sDkgL P]g, @)^#, cGt{ut ;+:yflkt / ;+rflnt P+j a}+s tyf ljQLo ;+:yf ;+DaGwL P]+g, @)&# cg';f/ ljQLo Joj;fo ug{ cg'dlt k|fKt

g]kfn /fi6« a}+s af6 æsÆ ju{sf] Ohfht k|fKt ;+:yf

k|e' a}+s lnld6]8

g]kfn /fi6« a}+saf6 “s” ju{sf] Ohfhtkq k|fKt ;+:yf

aa/dxn, sf7df08f}+, g]kfn, kmf]g g+= M )!—$&**%)), km\ofS; g+ M )!—$&*)%**

Email:info@prabhubank.com, website: www.prabhubank.com

* jif{ cjlw tyf jflif{s !) k|ltzt Aofhb/ ePsf] “k|e' a}+s l8a]Gr/ @)*$” sf]

ljj/0fkq

-lwtf]kq ;DaGwL P]g, @)^# sf] bkmf #) tyf sDkgL P]g, @)^# sf] bkmf @# cGtu{t k|sflzt_

cf7 jif{ cjlw tyf jflif{s !) k|ltzt Jofhb/ ePsf] k|lt l8a]Gr/ ?=!,)))÷— c+lst d"Nosf @),)),))) lsQf l8a]Gr/n] x'g cfpg] s'n

?= @ ca{ dWo] * nfv lsQf l8a]Gr/ cyf{t s'n ?= *) s/f]8 C0fk"FhL /sd -%Ü cyf{t $),))) lsQf ;fd'lxs nufgL sf]ifsf nflu 5'§ofO{Psf]

;d]t_ ;j{;fwf/0f g]kfnLsf] nflu ;fj{hlgs lgisfzgaf6 laqmL ul/g] tyf !@ nfv lsQf l8a]Gr/n] x'g cfpg] s'n ?= ! ca{ @) s/f]8 C0fk"FhL

/sd ljleGg JolQm jf ;+3 ;+:yfx?nfO{ JolQmut tj/ (Private Placement) af6 laqmL ul/g] .

b/vf:t ;fy k|lt l8a]Gr/ ?= !)))/— sf] b/n] -zt k|ltzt_ e'QmfgL dfu ul/Psf] .

sDkgLsf] g]6jy{ tyf k|lt z]o/ cfDbfgLdf ePsf] jf:tljs tyf k|If]lkt k|ltkmn b]xfo adf]lhd /x]sf] 5 M

ljj/0f

jf:tljs r}t d;fGt

@)&^

-ckl/is[t_

k|If]lkt

073/074 074/075 075/076 076/077 077/078 078/79

k|lt z]o/ cfDbfgL ?= 27.17 12.58 21.03 19.89 24.60 28.49 34.08

k|lt z]o/ g]6jy{ ?= 158.99 152.66 161.04 151.69 163.24 191.73 225.81

;+lrt gfkmf÷gf]S;g -?=

nfvdf_ 18,821 7,736 15,209 7,982 14,130 28,010 49,830

nufgLdf x'g] hf]lvd ;DaGwL pb\3f]if0f M

lwtf]kqdf ul/g] nufgLdf hf]lvd x'g] ePsf]n] To:tf] hf]lvdsf] d"NofÍg ug]{ k|d'v bfloTj nufgLstf{ :jo+sf] x'g]5 / lwtf]kqsf] lgisfzg

d"Non] ;"rLs/0f kZrft lwtf]kq ahf/df x'g] sf/f]af/ d"No ghgfpg] x'Fbf o; ljj/0fkqsf bkmf * df pNn]lvt hf]lvdx? ;d]tsf] cWoog

u/]/ dfq nufgL ;DaGwL lg0f{o lng ;'emfj ul/G5 . lgodg lgsfosf] hjfkmb]lxtf g/xg] pb\3f]if0f M

o; ljj/0f–kqdf pNn]lvt lwtf]kq ;fj{hlgs lgisfzgsf nflu tof/ ul/Psf] o; ljj/0fkqnfO{ lwtf]kq ;DaGwL sfg"g adf]lhd g]kfn

lwtf]kq af]8{n] :jLs[lt k|bfg u/]sf] 5 . o;/L af]8{n] ljj/0f–kqdf :jLs[lt k|bfg u/]sf] sf/0faf6 s;}n] klg g]kfn lwtf]kq af]8{, sDkgL

/lhi6«f/sf] sfof{no jf ;Dj4 cGo lgodg lgsfon] ljj/0f–kqdf pNn]lvt s'/fsf] ;Totf jf lgisfzgstf{ jf kl/of]hgfsf] cfly{s ;Ifdtfsf]

af/]df s'g} k|sf/sf] k|Tofe"\lt u/]sf] jf lhDd]jf/L lnPsf] dflgg] 5}g . o; a+}sn] hf/L ug{ nfu]sf] C0fkqnfO{ CARE RATINGS NEPAL LIMITED n] Moderate Credit Risk hgfpg] “CARE-NP BBB[Triple B]” u|]l8Ë ldlt

@)@)÷)!÷@( df k|bfg u/]sf] 5 . pQm qm]l86 /]l6Ë k|fKt ug]{ Instrument nfO{ ;dodfg} ljQLo bfloTj k'/f ug]{ ;DaGwdf dWod ¿kdf

;'/lIft dflgG5 . hf]lvdsf] b[i6Ldf o:tf pks/0fx? dWod shf{ hf]lvd ePsf] dflgG5 . ;fy} o; a}+snfO{ ICRA NEPAL LIMITED n] Moderate

Credit Risk hgfpg] “[ICRANP -IR] BBB ” (pronounced ICRA NP Issuer Rating Triple B ) u|]l8Ë ldlt @)@)÷)&÷)& df k|bfg u/]sf] 5 . pQm qm]l86 /]l6Ë

k|fKt ;+:yfnfO{ ;dodfg} ljQLo bfloTj k"/f ug]{ tyf dWod shf{ hf]lvd /xg] ;+:yfsf] ?kdf lnOG5 .

o; ljj/0fkq dfkm{t lgisfzg x'g] C0fkq a}+ssf] ;DklQ ;'/If0f g/fvL lgisfzg ul/Psf] c;'/lIft C0f (Unsecured Debt) ePsf] / sy+sbflrt

a}+s 6f6klN6Pdf cGo ;'/lIft ;fx" / lgIf]kstf{ eGbf kl5 dfq e'QmfgLdf k|fyldstf x'g] u/L lgisfzg ul/Psf] ;xfos C0f (Subordinated

Debt) ePsf] x'Fbf k|rlnt sfg"gn] k|bfg u/]sf] afx]s sDkgLsf] ;DklQdf C0fkqjfnfsf] s'g} lglb{i6 xs (Specific charge) clwsf/ x'g] 5}g .

g]kfn lwtf]kq af]8{af6 ljj/0fkqdf :jLs[t ePsf] ldlt M@)&&÷)#÷#!

g]kfn /fi6« a+}sdf ljj/0fkq btf{ ePsf] ldlt M @)&&÷)$÷)!

sDkgL /lhi6«f/sf] sfof{nodf ljj/0fkq btf{ ePsf] ldlt M @)&&÷)$÷)@

lwtf]kq lgisfzg v'Nnf x'g] ldlt M @)&&÷)$÷!(

lgisfzg aGb x'g] ldlt -l56f]df_ M @)&&÷)$÷@# lgisfzg aGb x'g] ldlt -clGtd_M @)&&÷)%÷)!

g]kfn lwtf]kq af]8{af6 :jLs[t ljj/0fkq lgisfzg tyf laqmL k|jGws, lgisfzgstf{ sDkgLsf] ;fy} g]kfn lwtf]kq af]8{sf]

website : www.sebon.gov.np af6 ;d]t x]g{ ;lsg] 5 .

lwtf]kq lgisfzg tyf laqmL k|aGws M

glan OGe]i6d]G6 a+}ls+Ë lnld6]8

gS;fn, sf7df8f}+, g]kfn: kmf]g g+=— $$!!^)$ ˆofS; g+=— (&& –!–$$!)%%$

Email : info@nabilinvest.com.np, URL: www.nabilinvest.com.np

1

ljj/0f kqsf] d'vk[i7sf] leqL efudf pNn]v x'g'kg]{ s'/fx? M

!= ljj/0f–kqdf k|of]u ePsf k|fljlws tyf cGo zAbfjnLsf] kl/efiff M

s_ æljj/0fkqÆ eGgfn] lwtf]kq ;DaGwL P]g, @)^# sf] bkmf #) tyf sDkgL P]g, @)^# sf] bkmf @# cGtu{t k|sflzt

ljj/0fx? ePsf] k'l:tsfnfO{ ;Demg' kb{5 .

v_ ælwtf]kq lgisfzg tyf laqmL k|aGwsÆ eGgfn] glan OGe]i6d]G6 a}+lsË lnld6]8nfO{ ;Demg' kb{5 .

u_ æsDkgLÆ eGgfn] lgisfzgstf{ sDkgL k|e' a}+s lnld6]8nfO{ ;Demg' kb{5 .

3_ æ;+sng s]Gb|Æ eGgfn] ;fj{hlgs lgisfzgsf] nflu tof/ ul/Psf] ljj/0fkq / b/vf:t kmf/d k|fKt ug{ ;lsg] tyf

b/vf:t kmf/d ;fy /sd a'emfpg ;lsg] u/L tf]lsPsf ;+:yfx?nfO{{ ;Demg' kb{5 .

ª_ ælgisfzg a}+sÆ eGgfn] ;fj{hlgs lgisfzgaf6 ;+sng x'g cfPsf] /sdnfO{ hDdf ug{sf] nflu tf]lsPsf] jfl0fHo

a}+s tyf /fli6«o :t/sf] ljsf; a}+snfO{ ;Demg' kb{5 .

r_ ælgodg lgsfoÆ eGgfn] g]kfn lwtf]kq af]8{, sDkgL /lhi6«f/sf] sfof{no tyf g]kfn /fi6« a}+snfO{ ;Demg' kb{5 .

5_ æ;+:yfks, ;+rfns, k|d'v sfo{sf/L clws[t tyf Joj:yfkgÆ eGgfn] k|e' a}+s lnld6]8sf] ;+:yfks, ;+rfns,

sfo{sf/L k|d'v tyf Joj:yfkgnfO{ ;Demg' kb{5 .

h_ æaf]8{Æ eGgfn] lwtf]kq ;DaGwL P]g, @)^# sf] bkmf # adf]lhd :yfkgf ePsf] g]kfn lwtf]kq af]8{ ;Demg' kb{5 .

em_ æcfwf/e"t z]o/wgLÆ eGgfn] sDkgLsf] r'Qmf k"FhLsf] ! k|ltzt jf ;f]eGbf a9L z]o/ wf/0f u/]sf z]o/wgL eGg]

;D´g'kb{5 .

@= ljj/0fkq tyf b/vf:t kmf/fd k|fKt ug]{ / a'emfpg] :yfg M

l;=g+= ljj/0fkq k|fKt ug]{ :yfgsf] gfd / 7]ufgf

!= glan OGe]i6d]G6 a}+lsË lnld6]8, gS;fn, sf7df8f}+ / j]j;fO6 :www.nabilinvest.com.np @= k|e' a}+s lnld6]8, sf7df8f}+ / j]j;fO6 : www.prabhubank.com

b/vf:t kmf/d k|fKt ug]{ / a'emfpg] :yfg

;j{;fwf/0fsf] xsdf M

l;=g+= b/vf:t kmf/d k|fKt ug]{ / a'emfpg] :yfg

!= l;–cf:af (C-ASBA) ;]jfdf ;xefuL a}+s tyf ljQLo ;+:yfx? / ltgsf zfvf sfof{nox? .

JolQmut tj/ (Private Placement) sf] xsdf M

l8a]Gr/ vl/bsf nflu b/vf:t kfOg], /sd hDdf ug]{ / cfj]bg a'emfpg] :yfgx?sf ;fy} l8a]Gr/ vl/bsf] nflu tof/

ul/Psf] ljj/0fkq k|fKt ug{ jf x]g{ ;Sg] :yfgx? M

o; lgisfzg JolQmut tj/af6 klg ul/g] ePsf]n] a+}ssf laqmL k|jGwsn] a}+s;Fusf] ;xdltdf vl/bstf{x? Vff]hL u/L

cfkl; ;xdltdf ljt/0f ul/g]5 .

2

! lwtf]kq lgisfzg tyf laqmL k|aGwssf] pb\3f]if0f M

xfdLnfO{ lgisfzgstf{ ;+ul7t ;+:yf tyf o;sf ;+:yfks÷;+rfnsx?n] pknAw u/fPsf] ljj/0f tyf hfgsf/Lx?sf]

cfwf/df o; sDkgLsf] Joj:yfksLo, k|fljlws / cfly{s kIfsf] ljZn]if0ffTds cWoogaf6 xfdL ;Gt'i6 x'g'sf] ;fy}

ljj/0fkqdf n]lvPsf cfly{s ljj/0fx? / cGo hfgsf/L tYout, k"0f{ / ;xL b]lvPsf]n] nufgLstf{x?nfO{ nufgL ;DaGwL

lg0f{o lng d2t k'Ug] s'/fk|lt ljZj:t eO{ xfdLn] of] ljj/0fkq :jLs[ltsf nflu g]kfn lwtf]kq af]8{df P]g / lwtf]kq

btf{ tyf lgisfzg lgodfjnL cg'?ksf] of]Uotf k'u]sf] k|lta4tfkq -Due Diligence Certificate_ k|:t't u/]sf 5f}+ .

@ ;+ul7t ;+:yfsf] pb3f]if0f M

s ;+rfnssf] lhDd]jf/L tyf hjfkmb]lxtf ;DaGwL pb\3f]if0f M

of] ljj/0fkq xfdLn] k'g/fjnf]sg u/L cg'df]bg u/]sf] x'gfn] o; ljj/0fkqdf pNn]v ul/Psf ljj/0f tyf

hfgsf/Lsf ;fy} lgisfzg tyf laqmL k|aGwsnfO{ lbPsf] ljQLo ljj/0f, cGo ljj/0f, hfgsf/L tyf sfuhftx?sf]

;Totf / z'4tf k|lt / lwtf]kq btf{ tyf lgisfzg cg'dlt k|of]hgsf nflu g]kfn lwtf]kq af]8{df k]z ul/Psf]

ljj/0fkq / ;f];Fu ;DalGwt cGo ljj/0f tyf hfgsf/Lsf] z'4tf tyf ;Totfk|lt o; ljj/0fkqdf x:tfIf/ ug]{

xfdL ;+rfnsx? JolQmut jf ;fd"lxs ?kdf hjfkmb]lxtf jxg ub{5f}+ / lwtf]kq lgisfzgsf nflu tf]lsPsf zt{

tyf cfjZostfx?sf] ;DaGwdf cfjZos hfgsf/L lnO{ xfdL of] pb\3f]if0f ub{5f}+ ls tf]lsPsf zt{ tyf

cfjZostfx? ;a} kfngf u/]sf 5'÷5f}+ / nufgLstf{x?nfO{ nufgL ;DaGwL ;';"lrt lg0f{o lng cfjZos s'g}

ljj/0f, ;"rgf tyf hfgsf/Lx? n'sfPsf 5}gf}+ .

v ;+ul7t ;+:yfsf] hjfkmb]lxtf ;DaGwL pb\3f]if0f M

o; sDkgLn] k|sflzt u/]sf] ljj/0fkq, ;fj{hlgs k|:tfj, lj1fkg jf cGo s'g} ;"rgfdf pNn]v ePsf ljj/0f

afx]s sDkgLaf/]df k|sflzt cGo s'g} ;"rgf jf hfgsf/Lsf] hjfkmb]lxtf sDkgLdf g/xg] / To:tf] ;"rgf, hfgsf/L

jf ljj/0fsf] cfwf/df nufgL u/]df ;f] sf] hf]lvd nufgLstf{ :jo+n] jxg ug'{kg]{5 .

u lgodg lgsfosf] lgodg Joj:yfsf] kfngf ;DaGwL pb\3f]if0f M

k|rlnt sfg"g cg';f/ cfkm\gf] pBf]u÷Joj;fo÷;]jf;Fu ;DalGwt lgodg lgsfo -h:t} sDkgL /lhi6«f/sf] sfof{no,

g]kfn /fi6« a}+s cflb_ sf] ;fj{hlgs lgisfzg tyf cGo lgodg Joj:yf tyf lgb{]zgx?sf] kfngf u/]sf] s'/fsf]

pb\3f]if0f ub{5f}+ . ;fy}, ;fj{hlgs lgisfzg k|of]hgsf] nflu tof/ ul/Psf] ljj/0fkq / ;f] df pNn]lvt ;Demf}tf

jf cGo ljj/0fx? g]kfn lwtf]kq af]8{ tyf g]kfn :6s PS;r]~h lnld6]8df k]z u/]sf 5f}+ .

sDkgL /lhi6«f/sf] sfof{nodf sDkgL P]g @)^# adf]lhd k]z ug'{kg]{ cf=a= )&%÷)&^ ;Ddsf ljj/0fx? k]z

u/]sf] x'gfn] ;f] cf=a= ;Dd sDkgL cBfjlws /x]sf] 5 .

3 ;+:yfks, ;+rfns tyf sfo{sf/L k|d'v ;DaGwL pb3f]if0f M

-s_ o; sDkgLsf] ;+rfns jf sfo{sf/L k|d'v shf{ ;"rgf s]Gb|sf] sfnf] ;"rLdf /xg' ePsf] 5}g .

-v_ o; sDkgLsf ;+rfns jf sfo{sf/L k|d'v sfnf] ;"rLdf /x]sf] cGo ;+ul7t ;+:yfdf ;+rfns jf sfo{sf/L

k|d'v /xg' ePsf] 5}g .

-u_ ;fj{hlgs lgisfzg dfkm{t ;j{;fwf/0faf6 k"FhL ;+sng u/L j]kQf ePsf jf ;+rfngdf g/x]sf jf

nufgLstf{x?sf] lxt ljk/Lt x'g] sfo{ u/]sf] ;+ul7t ;+:yfsf] ;+rfns jf sfo{sf/L k|d'v o; sDkgLsf]

;+rfns jf sfo{sf/L k|d'v /xg' ePsf] 5}g .

-3_ lwtf]kq ;DaGwL sfg"g ljk/Lt sfo{ u/]sf] sf/0f lwtf]kq ahf/ jf lwtf]kq Joj;foLsf] cg'dltkq vf/]h

ePsf] bz jif{ k"/f gePsf] ;+ul7t ;+:yfsf] ;+rfns jf sfo{sf/L k|d'v o; sDkgLsf]] ;+rfns jf sfo{sf/L

k|d'v /xg' ePsf] 5}g .

-ª_ o; sDkgLsf]] ;+rfns jf sfo{sf/L k|d'v lwtf]kq ;DaGwL P]gsf] bkmf !)* adf]lhd ;+rfns jf sfo{sf/L

cof]Uo /xg' ePsf] 5}g .

3

# ;+ul7t ;+:yf ;DaGwL hfgsf/L M

s= ;+ul7t ;+:yfsf] k[i7e"ld M

-c_ ;+:yfsf] gfd M k|e' a}+s lnld6]8 (Prabhu Bank Limited)

-cf_ ;+:yf s'g P]g cGtu{t :yflkt ePsf] ;f] s'/f M

o; a}+s sDkgL P]g, @)^# Pj+ a+}s tyf ljQLo ;+:yf P]g, @)&# -tTsfnLg a+}s tyf ljQLo ;:yf P]g, @)^#_

cGtu{t :yfkgf ePsf] xf] . ;flas lsi6 a}+s lnld6]8, k|e' ljsf; a}+s lnld6]8, uf}/Lz+s/ 8]enkd]06 a}+s

lnld6]8 / h]lgy kmfOgfG; lnld6]8 cfk;df ufleP/ ag]sf] k|e' a}+s lnld6]8n] ldlt @)&! efb| #) ut]af6

k|e' a}+s lnld6]8sf] gfddf ljQLo sf/f]jf/ ub}{ cfPsf] 5 . To; kZrft g]kfn ljsf; a}s ln=nfO{ PlSjlh;g

ub}{ ;fljs uf|08 a}+s ln= nfO{ ldlt @)&@ df3 !% ut] o; ;+:yfdf ufle xfn ;Dddf @)* j6f Zffvf lj:tf/,

$^ sfpG6/ sfo{Nfo / !%% P=l6=Pd= ;+RffNfgdf NofO{ ljQLo sf/f]jf/ ub}{ cfPsf] 5 .

-O_ ;+:yfsf] /lhi68{ 7]ufgf M

a}+ssf]] /lhi68{ -s]Gb|Lo_ sfof{no sf=d=g=kf=, j8f g+= !!, aa/dxn, sf7df08f}+ /x]sf] 5 .

-O{_ sf/f]jf/ ug]{ d'Vo :yfg M

o; a}+ssf] sf/f]af/ ug]{ d'Vo :yfg sf=d=g=kf j8f g+= !! aa/dxn, sf7df08f}df /x]sf] 5 . o;sf] cltl/Qm

a}+sn] g]kfn /fi6« a}+ssf] :jLs[lt lnO{ zfvf sfof{nox? vf]nL g]kfn e/ b]xfosf :yfgx?af6 cfˆgf] a}+lsË

sf/f]af/ ;+rfng ul//x]sf] 5 . a}+sn] g]kfn /fi6« a}+ssf] :jLs[lt lnO{ cfjZostf cg';f/ eljiodf zfvfx?

lj:tf/ ug{ ;Sg]5 .

qm+=;+ gfd / 7]ufgf qm+=;+ gfd / 7]ufgf qm+=;+ gfd / 7]ufgf ! k|wfg sfof{no aa/dxn, sf7df08f}+

. &! zfvf sfof{no, e/tk'/

lrtjg . !$! Zffvf sfof{no, lghu9

. @ Zfvf sfo{no, af8]uf+p, uf]bfj/L,

nlntk'/ . &@ zfvf sfof{no, ef]hk'/ . !$@ Zffvf sfof{no,

g]kfnu+h . # zfvf sfof{no,k'/fgf] afg]Zj/,

sf7df08f} . &# zfvf sfof{no, laxfbL . !$# Zffvf sfof{no,

lg;Lvf]nf . $ zfvf sfof{no, e};]kf6L, nlnk'/ . &$ zfvf sfof{no, lahogu/ . !$$ Zffvf sfof{no, kfNkf . % zfvf sfof{no,;'o{ljgfos eQmk'/ . &% zfvf sfof{no, lj/f6gu/ . !$% Zffvf sfof{no,

kf+rvfn . ^ zfvf sfof{no,af}4, sf7df08f}+ . &^ zfvf sfof{no, lj/f}6f

sf:sL . !$^ Zffvf sfof{no, k/f;L

. & zfvf sfof{no, r'Rr]kf6L, rfjlxn,

sf7df08f}+ . && zfvf sfof{no, lj/u+h . !$& Zffvf sfof{no, k/f]xf .

* zfvf sfof{no,8Nn', sf7df08f} . &* zfvf sfof{no, ljtf{df]8 . !$* Zffvf sfof{no, ky/L . ( zfvf sfof{no, wfkf;L, sf7df08f} . &( zfvf sfof{no, a'lt{jfË . !$( Zffvf sfof{no, lkmlbd

. !) zfvf sfof{no, ;fdfv';L, uf}+ua',

sf7df08f}+ . *) zfvf sfof{no, a'6jn . !%) Zffvf sfof{no,

km'Ëlnª tfKn]h'ª . !! zfvf sfof{no, uf]7f6f/, eQmk'/ . *! zfvf sfof{no, rGb|u9L . !%! Zffvf sfof{no, kf]v/f

. !@ zfvf sfof{no, u'h'{wf/f, sf7df08f} . *@ zfvf sfof{no, rGb|lgufxk'/

. !%@ Zffvf sfof{no, /+3'u+uf

DofubL. !# zfvf sfof{no, Ujfsf]{, nlntk'/ . *# zfvf sfof{no, gof+

ahf/,b}n]v. !%# Zffvf sfof{no,

/fhlj/fh . !$ Zffvf sfof{no, 1fg]Zj/, sf7df08f}+

. *$ zfvf sfof{no, bds . !%$ Zffvf sfof{no, /fdk'/

lrtjg.

4

!% zfvf sfof{no, xflQuf}8f, sf7df08f}+ .

*% zfvf sfof{no, bdf}nL . !%% Zffvf sfof{no, /fgLjf; u'NdL.

!^ zfvf sfof{no, hf]/kf6L, sf7df08f} .+

*^ zfvf sfof{no, b/jfË . !%^ Zffvf sfof{no, ?s'd .

!& zfvf sfof{no,sn+sL, sf7df08f}+ . *& zfvf sfof{no, wfbLË . !%& Zffvf sfof{no, ;Gbsk'/ Onfd.

!* Zffvf sfof{no, sfnLdf6L, sf7df08f}+.

** zfvf sfof{no, wgu9L . !%* Zffvf sfof{no, ;lGwvs .

!( zfvf sfof{no, sdnfbL, sf7df08f}+ .

*( zfvf sfof{no, w/fg . !%( Zffvf sfof{no, c3f{vfrL .

@) zfvf sfof{no, sfGtLky, sf7df08f}+ .

() zfvf sfof{no, wfs]{ wfbLË .

!^) Zffvf sfof{no, ;f}/fxf .

@! zfvf sfof{no, skg, sf7df08f}+ . (! zfvf sfof{no, wjnflu/L . !^! Zffvf sfof{no, zflGtk'/ u'NdL.

@@ zfvf sfof{no, sf}zn6f/, eQmk'/ . (@ zfvf sfof{no, bf]nvf . !^@ Zffvf sfof{no, l;d/f .

@# zfvf sfof{no, lvrfkf]v/L, sf7df08f}+.

(# zfvf sfof{no, b'n]uf}8f . !^# Zffvf sfof{no, l;Gw'nL .

@$ zfvf sfof{no, sf]6]Zj/ tLgk}gL, sf7df08f}+ .

($ zfvf sfof{no, Ps8f/f dxf]Q/L .

!^$ Zffvf sfof{no, l;/fxf .

@% Zfvf sfof{no, sf]6]Zj/, sf7df08f}+. (% zfvf sfof{no, u8\of}nL . !^% Zffvf sfof{no, jL/]Gb|gu/ ;'v]{t .

@^ zfvf sfof{no,s'df/Lkf6L, nlntk'/ .

(^ zfvf sfof{no, ufO{3f6 . !^^ Zffvf sfof{no, :ofk|m'a]zL .

@& zfvf sfof{no, n}grf}/, sf7df08f}+ . (& zfvf sfof{no, uh'/L wfbLË .

!^& Zffvf sfof{no, tdfgvf]nf .

@* zfvf sfof{no, hfjnfv]n, nlntk'/ .

(* zfvf sfof{no, unsf]6 . !^* Zffvf sfof{no, afUn'Ë .

@( zfvf sfof{no, dxf/fhu+h, sf7df08f}+.

(( zfvf sfof{no, uf}/ /f}txt .

!^( Zffvf sfof{no, tD3f; .

#) zfvf sfof{no, cgfdgu/, sf7df08f}+.

!)) zfvf sfof{no, 3f]/fxL . !&) Zffvf sfof{no, 6f+8L .

#! Zffvf sfof{no, dgd}h', sf7df08f}+ . !)! zfvf sfof{no, uf]lku+h . !&! Zffvf sfof{no, tf/fvf]nf afUn'Ë .

#@ zfvf sfof{no,d+unafhF/, nlntk'/ .

!)@ zfvf sfof{no, uf]vf{ . !&@ Zffvf sfof{no, yf;fª d':tfË .

## zfvf sfof{no, Go' afg]Zj/, sf7df08f}+.

!)# zfvf sfof{no, u'n]l/of . !&# Zffvf sfof{no, ltgk}gL lj/f6gu/ .

#$ zfvf sfof{no, kf6g ufaxfn . !)$ zfvf sfof{no, u'/f; b}n]v .

!&$ Zffvf sfof{no, t'n;Lk'/ .

#% zfvf sfof{no, k'tln;8s, sf7df08f}+

!)% zfvf sfof{no, xl/jg . !&% Zffvf sfof{no, pNff{af/L .

#^ zfvf sfof{no, ;fg]kf, nlntk'/ . !)^ zfvf sfof{no, xt'jful9 . !&^ Zffvf sfof{no, aflnª #& zfvf sfof{no, ;ftbf]af6f], nlntk'/ !)& zfvf sfof{no, ef]hk'/ . !&& Zffvf sfof{no, aNv' #* zfvf sfof{no, z+vd'n, nlntk'/ . !)* zfvf sfof{no, x]6f}8f . !&* Zffvf sfof{no, w'¨]wf/f #( zfvf sfof{no, l;gfd+un,sf7df08f}+

. !)( zfvf sfof{no, Onfd . !&( Zffvf sfof{no,

cf?3f6 $) zfvf sfof{no, l;gfd+un P/kf]{6

uf]N8]g u]6, sf7df08f}+ . !!) zfvf sfof{no, Og?jf . !*) Zffvf sfof{no,

ctl/of $! zfvf sfof{no, ;'s]wf/f, sf7df08f}+

. !!! zfvf sfof{no, O6x/L . !*! Zffvf sfof{no,

O{df8f]n $@ zfvf sfof{no, :joDe', sf7df08f}+ . !!@ zfvf sfof{no, hn]Zj/ . !*@ Zffvf sfof{no, l6sfk'/ $# zfvf sfof{no, 6+ufn, sf7df08f}+ . !!# zfvf sfof{no, hgsk'/ . !*# Zffvf sfof{no, ´nf/L

5

$$ zfvf sfof{no, 6]s', sf7df08f}+ . !!$ zfvf sfof{no, hf]d;f]d . !*$ Zffvf sfof{no, ;fkm]au/

$% zfvf sfof{no, 7d]n, sf7df08f}+ . !!% zfvf sfof{no, sfs8le§f . !*% Zffvf sfof{no, ndlx $^ zfvf sfof{no, yfgsf]6, sf7df08f}+

. !!^ zfvf sfof{no, sn}of . !*^ Zffvf sfof{no,

rGb/}6f $& zfvf sfof{no, gof+ lyld, eQmk'/ . !!& zfvf sfof{no, sfjf;f]tL . !*& Zffvf sfof{no,

afnsf]6 $* zfvf sfof{no, cfa'v}/]gL tgx' . !!* zfvf sfof{no, v}/]gL . !** Zffvf sfof{no,

sfnfa~h/ $( zfvf sfof{no, c5fd . !!( zfvf sfof{no, vf+bjf/L . !*( Zffvf sfof{no, k;f{ %) zfvf sfof{no, cd/ky a'6jn . !@) zfvf sfof{no, sf]xnk'/ . !() Zffvf sfof{no,

k'g{/jf“; %! zfvf sfof{no, cd/l;+x rf]s,

kf]v/f. !@! zfvf sfof{no, s'Zdf . !(! Zffvf sfof{no,

lstL{k'/ %@ zfvf sfof{no, cGgk"0f{ DofUbL . !@@ Zffvf sfof{no, nfxfg . !(@ Zffvf sfof{no, ;fv'“ %# zfvf sfof{no, al8uf8 . !@# Zffvf sfof{no, nf] 3]s/ . !(# Zffvf sfof{no,

s'l/g6f/ %$ zfvf sfof{no, au/ kf]v/f . !@$ Zffvf sfof{no, d':tfË . !($ Zffvf sfof{no, 8'd|] %% zfvf sfof{no, xngrf]s afUn'ª . !@% Zffvf sfof{no, nf]dfGyfª . !(% Zffvf sfof{no,

la/]7fl6 %^ zfvf sfof{no, ag]kf . !@^ Zffvf sfof{no, n'lDagL . !(^ Zffvf sfof{no,

rfkfuf“pm %& zfvf sfof{no, afx|aL;] . !@& Zffvf sfof{no, df5fk'R5|] . !(& Zffvf sfof{no,

lkËnf:yfg %* zfvf sfof{no, ab{3f6 gjnk/f;L . !@* Zffvf sfof{no, dxfb]j j];L

. !(* Zffvf sfof{no, l6d'/]

%( zfvf sfof{no, alb{af; dxf]Q/L . !@( Zffvf sfof{no, wfbLË . !(( Zffvf sfof{no, aonjf;

^) zfvf sfof{no, a/]ª . !#) Zffvf sfof{no, dx]Gb|gu/ . @)) Zffvf sfof{no,a/xyjf, ;nf{xL

^! zfvf sfof{no, al/of/k§L . !#! Zffvf sfof{no, dgfË . @)! Zffvf sfof{no, dn+ujf, ;nf{xL

^@ zfvf sfof{no, af/kfs . !#@ Zffvf sfof{no, d+unf DofubL .

@)@ Zffvf sfof{no,tf}lnxjf, slknj:t'

^# zfvf sfof{no, a§f/ g'jfsf]6 . !## Zffvf sfof{no, dlgu|fd ?kGb]xL.

@)# Zffvf sfof{no, xl/rf]s, sf:sL

^$ zfvf sfof{no, jf}}lgof . !#$ Zffvf sfof{no, dGynL . @)$ Zffvf sfof{no, af“emfkf6g,sf:sL

^% zfvf sfof{no, a]naf/L df]/Ë . !#% Zffvf sfof{no, ldr}of . @)% Zffvf sfof{no, wsfbfO, ?kGb]xL

^^ zfvf sfof{no, j]gL DofUbL . !#^ Zffvf sfof{no, d'lvofk§L wg'iff.

@)^ Zffvf sfof{no, nfª6fª, /;'jf

^& zfvf sfof{no, j]gL3f6 wfbLª . !#& Zffvf sfof{no, d'lQmgfy . @)& Zffvf sfof{no,wd{:yln,sf7df08f}+

^* zfvf sfof{no, a];L;x/ nDh'ª . !#* Zffvf sfof{no, gf/fo0fu9 . @)* Zffvf sfof{no, c3f}{rf]s, sf:sL

^( zfvf sfof{no, eujltdfO{ b}n]v . !#( Zffvf sfof{no, gfzf]ª dgfË .

&) zfvf sfof{no, e}/xjf . !$) Zffvf sfof{no,gjb'\uf{ 88]n3'/f.

6

PS6]G;g sfpG6/ sfof{nox?

!= eb|k'/ eG;f/, emfkf @= ;'g/L eG;f/, sf]zL Aof/]h #= yf8L eG;f/, l;/xf $= hn]Zj/ eG;f/, dxf]Q/L %= dx]zk'/ eG;f/, gjnk/f;L ^= ;'yf}nL eG;f/, slknj:t' &= ;tL eG;f/, s}nfnL *= cdn]vu~h l8kf] ,af/f (= ltnu+uf cfvf“ xl:k6n, sfpG6/ !)=lqe'jg cGt/f{li6«o ljdfg:yn, sf7df08f+} !!=/fhlj/fh dfnkf]t,/fhlj/fh !@=/fhlj/fh eG;f/, ;Kt/L !#=db/ eG;f/,;Kt/L !$=uf}/ eG;f/, /f}tx6 !%=sflndfl6 sfpG6/, sf7df08f+} !^=dn+ujf eG;f/, dn+ujf !&=h6xL 5f]6L eG;f/,hgsk'/ !*=ltgk}gL k//fi6« dGqfno, lj/f6gu/ !(=x:fgk'/ sfpG6/ ,wgu9L @)=/Fdgu/ sfpG6/, a'6jn @!=hfgsL d]l8sn sn]h,hgsk'/ @@=O{g NofG8 /]leGo" clk;, bds, ´fkf @#=kf]v/f sfpG6/, kf]v/f

@$=lj/ xl:k6n sfpG6/, sf7df08f+} @%=bdsdfnkf]t sfpG6/, ´fkf @^=O{nfd dfnkf]t sfpG6/, O{nfd @&=u?9f dfnkf]t sfpG6/, /f}tx6 @*=df}nfk'/ dfnkf]t sfpG6/,/f}tx6 @(=sfjf;f]lt dfnkf]t sfpG6/, gjnk/f;L #)=hn]Zj/ dfnkf]t sfpG6/, dxf]Q/L #!=abL{jf; dfnkf]t sfpG6/, dxf]Q/L #@ afUn'Ë dfnkf]t sfpG6/, afUn'Ë ##=dbg e08f/L d]df]/Lon sfpG6/, pnf{jf/L #$=lhNnf k|zf;g sfof{no dsjfgk'/ sfpG6/ #%= lhNnf k|zf;g sfof{no lrtjg sfpG6/ #^= lhNnf k|zf;g sfof{no ´fkf sfpG6/ #&= lhNnf k|zf;g sfof{no df]/Ë sfpG6/ #*= sf]zL xl:k6n sfpG6/, df]/Ë #(= lhNnf k|zf;g sfof{no jfUn'Ë sfpG6/ $)= lhNnf k|zf;g sfof{no ;'g;/L sfpG6/ $!= lhNnf k|zf;g sfof{no l;/fxf sfpG6/ $@= lhNnf k|zf;g sfof{no pbok'/ sfpG6/ $#= lhNnf k|zf;g sfof{no DofUbL sfpG6/ $$=oftfoft sfof{no sfpG6/, la/f6gu/

$%=6]s' PS6]G;g sfpG6/, sf7df08f+} $^= lhNnf k|zf;g sfof{no, wg'iff sfpG6/

Dffly pNn]lvt o; a}+ssf] d'Vo sfof{no Pj+ zfvfx?df cjl:yt /x]sf] .

-p_ ;+ul7t ;+:yfsf] :yfkgfsfnb]lv xfn;Ddsf] ;+lIfKt Oltxf; / ;+ul7t ;+:yfsf] d'Vo p2]Zox?

-!_ ;+ul7t ;+:yfsf] :yfkgfsfn b]lv xfn;Ddsf] ;+lIfKt Oltxf; M

o; a}+s sDkgL P]g, @)^# Pj+ a+}s tyf ljQLo ;+:yf P]g, @)&# -tTsfnLg a+}s tyf ljQLo ;:yf P]g, @)^#_

cGtu{t :yfkgf ePsf] xf] . ;flas lsi6 a}+s lnld6]8, k|e' ljsf; a}+s lnld6]8, uf}/Lz+s/ 8]enkd]06 a}+s lnld6]8

/ h]lgy kmfOgfG; lnld6]8 cfk;df ufleP/ ag]sf] k|e' a}+s lnld6]8n] ldlt @)&! efb| #) ut]af6 k|e' a}+s

lnld6]8sf] gfddf ljQLo sf/f]jf/ ub}{ cfPsf] 5 . To; kZrft g]kfn ljsf; a}s ln=nfO{ PlSjlh;g ub}{ ;fljs

uf|08 a}+s ln= nfO{ ldlt @)&@ df3 !% ut] o; ;+:yfdf ufle xfn ;Dddf @)* j6f Zffvf lj:tf/, $^ sfpG6/

sfo{Nfo / !%% P=l6=Pd= ;+RffNfgdf NofO{ ljQLo sf/f]jf/ ub}{ cfPsf] 5 .

o; a}+sn] ljut % jif{df ljt/0f u/]sf] nfef+zsf] ljj/0f b]xfo adf]lhd /x]sf] 5 .

qm=;+= cfly{s jif{ af]g; z]o/ gub nf+efz xsk|b z]o/

1 2071/72 - - -

2 2072/73 - - 5;1 3 2073/74 - - 10:4 4 2074/75 8% - -

5 2075/76 16% - -

ljQLo kl/;"rs

qm=;+= ljj/0f @)&#÷&$ @)&$÷&% @)&%÷&^

1 k|lt z]o/ cfDbfgL ?= 27.17 12.58 21.03 2 k|lt z]o/ g]6jy{ ?= 158.99 152.67 161.04

7

3 Return on Equity 19.29 7.69 12.45 4 Return on Assets 1.60 0.83 1.29 5 clgjfo{ df}Hbft cg'kft (CRR) % 12.13 6.83 4.39 6 a}wflgs t/ntf cg'kft (SLR) % 23.39 20.16 19.76

-@_ sDkgLsf] p2]Zo M

a}+s tyf ljQLo ;+:yf ;DaGwL P]g, @)&#, g]kfn /fi6« a}+s P]g, @)%*, sDkgL P]g tyf cGo k|rlnt

sfg"gsf] clwgdf /lx ljQLo sf/f]jf/ -ljQLo Joj;fo_ ug]{ o; a}+ssf] d'Vo p2]Zox? b]xfo adf]lhd

/x]sf 5g\ .

-s_ a}+ssf lgIf]kssf] xs lxtsf] ;+/If0f / ;Da4{g ub}{ :j:Yo k|lt:kwf{af6 ;j{;fwf/0fnfO{ u'0f:t/Lo

tyf e/kbf]{ a}+lsË dWo:ytf ;]jf pknAw u/fpg],

-v_ s[lif, pBf]u, ;]jf, Jofkf/ tyf cGo Joj;flos ?kn] ;DefJo b]lvPsf pTkfbgzLn Joj;fosf]

:yfkgf, ljsf;, lj:tf/ / Ifdtf Pjd\ pTkfbsTj a[l4sf nflu cfjZos a}+lsË ;fwg cfGtl/s

tyf afXo ;|f]taf6 h'6fO{ b]zsf] cf}Bf]lus, Jofkfl/s Pjd\ s[lif If]qsf] ljsf;df ultlzntf

Nofpg ;xof]u k'¥ofpg],

-u_ pknAw zLk, >d tyf k"FhLnfO{ plrt ?kdf kl/rfng u/L u|fdL0f tyf zx/L If]qdf pTkfbg

Pjd\ /f]huf/Ld"ns Joj;fosf] :yfkgf, ;~rfng, ljsf;, lj:tf/ Pjd\ k|a4{g ug]{ / ;f] sfo{sf]

nflu cfjZos ljQLo ;fwg, k|fljlws tyf Joj:yfksLo k/fdz{ ;]jf, tflnd tyf k|ljlw

pknAw u/fO{ ul/aL lgjf/0fsf nflu ;lqmo ?kdf ;+nUg eO{ ;xof]u k'¥ofpg],

-3_ a}+lsË ;]jfdf hf]lvd sd ub}{ o; If]qsf] pbf/Ls/0fdf d2t k'¥ofpg] / b]zsf] cy{tGqnfO{ ;jn

tyf ;'b[9 agfpg ;xof]u k'¥ofpg] /

-ª_ b]zsf] ;du| ljQLo k|0ffnL k|lt ;j{;fwf/0fsf] ljZjf;lgotf clej[l4 ug{ ;xof]u k'¥ofpg] .

-pm_ ;+ul7t ;++:yfsf] s'g} ;xfos sDkgL ePdf ;f] ;xfos sDkgLsf] gfd, Oltxf; / To;sf d'Vo p2]Zox?sf

;fy} To;df ePsf] nufgLsf] c+z -k|ltztdf_ M

a+}ssf] k|e' Soflk6n lnld6]8 sDkgLdf %! k|ltzt nufgL /x]sf] 5 .

s_ ;xfos sDkgLsf] gfdM k|e' Soflk6n lnld6]8 .

v_ ;xfos sDkgLsf O{ltxf;, d'Vo p2]Zox? / ePsf nufgLsf] c+zM

k|e' Soflk6n lnld6]8 -;flassf] u|f]df]/ dr]{G6 a}+s/ lnld6]8_ r'Qmf k'FhL ?=&,)),)),)))÷– -cIf/]kL ;ft

s/f]8 ?k}+of dfq_ ;lxt ldlt @)^^÷)%÷!^ ut] sDkgL /lhi6«f/sf] sfof{nodf btf{ eO{ ldlt @)^&÷)%÷@$

b]lv g]kfn lwtf]kq af]8{af6 cg'dlt k|fKt u/L ldlt @)&$ ;fn h]i7 @) ut] ;DkGg sDkgLsf] ljz]if

;fwf/0f;efaf6 lgodgsf/L lgsfon] u/]sf] Joj:yf cg';f/ o; Soflk6nn] !M@ xsk|b z]o/ hf/L u/L r'Qmf

k"FhL ?=@! s/f]8 k'/\ofO{Psf] ;fy} ldlt @)&#÷!@÷!( sf] kqn] g]kfn /fi6« a}saf6 o; Soflk6nnfO{ k|e' a}+s

lnld6]8sf] ;xfos sDkgL agfpg :jLs[tL k|bfg u/L k|e' Soflk6nsf] gfdaf6 lgodgsf/L lgsfoaf6 l:js[tL

kZrft sf/f]af/ ul//x]sf] . xfn k|e' Soflk6n lnld6]8 / ;d[4L Soflk6n lnld6]8 b'a} sDkgLsf] ldlt

@)&^÷!!÷!! df ;DkGg jflif{s ;fwf/0f ;efsf] lg0f{o adf]lhd sDkgL Ps cfk;df ufe]/ -dh{/_ o;

Soflk6nsf] r'Qmf k"FhL ?=*!,&),&),$)) sfod /x]sf] / ldlt @)&&÷)#÷@( ut] b]lv PsLs[t sf/f]af/

ul//x]sf] .

o; sDkgL :yfkgf kZrft k|e' a}+s lnld6]8af6 lb+b} cfPsf] lgIf]k ;]jf, a}+s / o; sDkgL jLr ePsf] ;Demf}tf

cg';f/ ;f] ;DaGwL ;Dk"0f{ ;]jf o; lnld6]8af6 k|bfg ug{ ;'? ul/of] . ;fy} lgodgsf/L lgsfosf] dfkb08 k"/f

u/L >L g]kfn lwtf]kq af]8{af6 lgIf]k ;b:o, lgisfzg tyf laqmL k|aGws, nufgL Joj:yfkg, z]o/ /lhi6«f/,

8

k|Tofe"ltstf{ tyf >L ;g\/fOh a}+s lnld6]8 cGtu{t ;fd'lxs nufgL sf]if k|jw{ssf] ?kdf sfo{ ug{ ;d]t

cg'dlt k|fKt u/]sf] 5 .

o; sDkgLsf] d'Vo p2]Zox? b]xfo adf]lhd /x]sf] 5 M

s_ lwtf]kq af]8{af6 :jLs[tLlnO{ lwtf]kq lgisfzg tyf laqmL k|aGws, lwtf]kq Aofkf/L, ahf/ lgdf{tf, z]o/

/lhi6«f/, nufgL Aoj:yfkg, lwtf]kqsf] k|Tofe'ltstf{sf] ?kdf sfo{ ug]{ .

v_ sDkgLsf z]o/wgLsf] xs lxtsf] ;+/If0f / ;Daw{g ;DaGwL ;xof]u ug]{ .

u_ nufgLstf{x?nfO{ lwtf]kq Aoj;foLsf] ?kdf u'0f:t/Lo tyf e/kbf]{ ;]jf pknAw u/fpg] .

3_ nufgLstf{x?nfO{ k'FhL ahf/ tkm{sf] ljZj;lgotf clea[l¢ ug{ cfjZos sfo{ ;+rfng ug]{ .

ª_ gofF tyf xfn sfod k'FhL ahf/df ;DaGwLt ;]jfsf] lasf; lj:tf/ ug{ g]kfn lwtf]kq af]8{ ;+u cfjZos

;dGjo ug]{ tyf cfjZostf cg';f/ l:js[t k|fKt u/L pRr:t/Lo ;]jf k|bfg ug]{ .

r_ pknAw lzk, >d tyf k'FhLnfO{ plrt kl/rfng u/L u|fld0f tyf zx/L If]qdf k'FhL ahf/ ;+u ;Da¢

;'ljwfx? pknAw u/fpg cfjZos ljQLo ;fwg, k|fljlws tyf Joj:yfklso k/fdz{ ;]jf, tflnd tyf

k|ljlw pknAw u/fO{{ b]zsf] k'FhL ahf/sf] ;du| lasf;sf nflu ;lqmo ?kdf ;+rfng eO{ ;xof]u k'¥ofpg]

.

-P_ cGo ljj/0fx?M

-!_ ;+ul7t ;++:yfn] pTkfbg ug]{ j:t' jf k|bfg ug]{ ;]jfx? M

a}+sn] k|bfg ug]{ d'Vo ;]jfx?df lgIf]k ;+sng, shf{ k|jfx, /sdfGt/, /]ld6\ofG; tyf cGo a}+lsË ;]jfx?

/x]sf 5g\ . ;fy} a}+sn] nufgLsf] dfWodaf6 cfˆgf] kF"hLsf] ;xL pkof]u ub}{ cfPsf] 5 .

-@_ k|of]u ePsf] jf ul/g] k|ljlw M

sDkgL ;]jf k|bfos sDkgL ePsf]n] dfly v08 ! df pNn]lvt ;]jf k|bfg ug{sf] lGfldQ cfjZos k|ljlwx?

k|of]u ul/Psf] 5 .

-#_ s'g} a|fG8g]d, k|ltlnlk clwsf/, 6«]8dfs{, Ohfhtkq, k|fljlws ;xof]u ;Demf}tf / ;+ul7t ;++:yf;Fu ;DalGwt

af}l4s ;DklQ xs clwsf/ M

;f] gePsf] .

-$_ ;+ul7t ;++:yfn] cf]u6]sf] ahf/ If]q M

xfn ;Ddsf] tYofÍ cg';f/ s'n lgIf]k -ljb]zL d'b|fsf] lgIf]k ;lxt_ sf] #=(^Ü lx:;f sDkgLsf] /x]sf] 5 .

;fy}, shf{ tyf ;fk6 cGtu{t xfn;Dd sDkgLn] s'n ahf/sf] #=^(Ü lx:;f cf]u6]sf] 5 .

-%_ gofF pTkfbg tyf ;]jf ;DaGwL of]hgf M

;do ;fk]If gofF pTkfbg tyf ljQLo ;]jfsf] ljsf; u/L ;DefJo u|fxsx?sf] klxrfg u/]/ cfˆgf] Jofkf/

lj:tf/ ug]{ of]hgf /x]sf] 5 .

-^_ pTkfbg tyf ;]jfsf] k|d'v ahf/ / To;sf] dfu / laqmL ljt/0fsf] tl/sf M

a}+ssf] k|d'v ahf/ g]kfn /fHoe/ /x]sf] 5 / x/]s ju{sf u|fxssf] cfjZostf cg'?k ;]jfx? pknAw

u/fpb} n}hfg] a}+ssf] nIo /x]sf] 5 .

-&_ pTkfbg÷;+rfng Ifdtf / ;f]sf] pkef]u l:ylt M

ljQLo If]qdf nfdf] cg'ej xfl;n ug{' ePsf] ;+rfns÷Joj:yfkg bIftfsf] cfwf/df o; sDkgLn]

:yfkgfsfn b]lv g} ahf/sf] /fd|f] lx:;f cf]u6\g / u|fxsnfO{ /fd|f] ;'ljwf k|bfg ug{ ;kmn /x]sf] 5 .

-*_ sRrf kbfy{sf] >f]t, lsl;d / pknAwtf M

Nffu' gx'g] .

-(_ u'0f lgoGq0fsf] nflu ul/Psf] Joj:yf M

:t/Lo a+}lsË ;]jfsf nfuL u|fxs ;]jf laefu :yfkgf u/L ;+rfngsf ;fy} u|fxs u'gf;f] ;'g'jfO{ 8]:s

;d]t /x]sf] .

-!)_ cg';Gwfg tyf ljsf; M

g]kfnsf] a}+lsË tyf ljQLo If]qdf k|lt:kwf{Tds l:ylt /x]sf] cfhsf] k[i7e"dLdf a}+sn] cg';Gwfg tyf

ljsf;nfO{ pRr k|fyldstfsf ;fy cl3 a9fO{/x]sf] 5 .

-!!_ ljut !@ dlxgfsf] cjlwdf ;+:yfsf] ;+rfngdf c;/ kg]{ u/L ePsf] jfwf, Jojwfg M

;f] gePsf] .

9

-!@_ sd{rf/L ;+u7g;Fusf] ;DaGw / ljutdf s'g} cf}Bf]lus ljjfb ePsf] eP,;f] ;DaGwL ljj/0f M

a}+ssf] sf/f]af/df c;/ kg]{ u/L s'g} ljjfb gePsf] .

-!#_ ahf/, k|lt:kwf{ / cGo ;dfg pBf]ux? aLr ;+ul7t ;+:yfsf] l:ylt M

g ]kfn /fi› a}+saf6 xfn @& j6f jfl0fHo a}+sx? dfGotf k|fKt u/L ;+rfng /lx cToflws k|lt:kwf{ /x]sf]

xfnsf] ljQLo ahf/df g]kfn /fi6« a}+ssf] lgb]{zg cg';f/ a}+ssf] r'Qmf k'FhL ?= * ca{ k'¥ofpg' kg]{ Joj:yf

adf]lhd a}lsË If]qdf cfPsf] kl/jt{g, lgIf]ksf] t/ntf tyf a}+snfO{ cfˆgf] k"FhLdf k|ltkmn sfod /fVg]

r'gf}tL h:tf sf/0fx?n] a}+sx? aLr k|lt:kwf{ cem a9]sf] 5 . o:tf] cj:yfdf o; a}+s ;kmntfk"j{s

cfkm\gf] klxrfg :yflkt u/L ljQLo Joj;fo ;+rfng ul//x]sf] 5 . xfn @& j6f jfl0fHo a}+sx? lar o;

a}ssf] @)&^ r}q d;fGt;Ddsf] ljj/0f b]xfo adf]lhd /x]sf] 5 M

qm=;+= ljj/0f ;du| ahf/df a}ssf] lx:;f

! lgIf]k ;+sng 3.84% @ shf{ tyf ;fk6L 3.60% # v'b d'gfkmf 3.20% $ v'b Jofh cfDbfgL 3.68%

a}+sn] lgisfzg ug{ nfu]sf] C0fkqsf] cjlw * jif{ /x]sf] / Jofhb/ !) k|ltzt /x]sf]n] o;df nufgL

ug]{ nufgLstf{x?sf] nflu hf]lvd /lxt pRrtd k|ltkmn x'g] x'gfn] a}+sn] hf/L ug{ nfu]sf] C0fkqn]

nufgLstf{nfO{ cfs{if0f ug{ ;Sg]5 .

-!$_ k|d'v u|fxsx?sf] ljj/0f -h:t}–;++:yfsf] s"n jflif{s sf/f]af/df !)Ü jf ;f] eGbf a9Ln] of]ubfg ug{]

jf Joj;fosf] nflu ;++:yf s'g} k|d'v u|fxs;Fu lge{/ 5 eg] tt\;DaGwL ljj/0f_ M

;f] gePsf] .

-!%_ k|d'v ;Knfo;{x?sf] ljj/0f -h:t}– ;+:yfsf] s"n sf/f]af/df !)Ü jf ;f] eGbf a9Ln] of]ubfg ug]{ ;Knfo;{

jf Joj;fosf] nflu ;+ul7t ;+:yf s'g} k|d'v ;Knfo;{;Fu lge{/ 5 eg] tt\;DaGwL ljj/0f_ M

;f] gePsf] .

v= ;DklQsf] ljj/0f M

-c_ ;+ul7t ;+:yfsf] pks/0f -KnfG6_ tyf cGo ;DklQ /x]sf] :yfg M

sDkgLsf] cfiff9 #!, @)&^ sf] ;DklQsf] ljj/0f tyf ;DklQ /x]sf] :yfg o; k|sf/ /x]sf] 5 .

? xhf/df

;DklQ @)&%÷&^

1 gub tyf gub ;dfg 13,792,337

2 g]kfn /fi6« a}+sdf /x]sf] df}Hbft tyf lng' kg]{ jSof}tf 8,031,269

3 a}+s tyf ljQLo ;+:yfdf /x]sf] df}Hbft -

4 8]l/e]l6e ljQLo pks/0f 4,476,352

5 cGo Jofkfl/s ;DklQx? -

6 a}+s tyf ljQLo ;+:yfnfO{ lbPsf] shf{ tyf ;fk6L 3,931,927

7 u|fxsnfO{ lbPsf] shf{ tyf ;fk6L 85,821,176

8 lwtf]kqdf nufgL 14,448,530

9 rfn' cfos/ ;DklQ -

10 ;xfos sDkgLdf nufgL 116,961

11 ;Da4 sDkgLdf nufgL -

12 ;DklQdf nufgL 438,786

13 ;DklQ tyf pks/0f 2,280,262

14 u'8jLn -VoftL_ / cd"t{ ;DklQ 39,769

15 :yug s/ ;DklQ 261,996

10

16 cGo ;DklQ 4,246,972

s'n ;DklQ 137,886,337

pk/f]Qm ;Dklt o; a}+ssf] s]lGb|o sfof{no P+j zfvfx?df cjl:yt /x]sf] .

-cf_ a"Fbf -s_ df pNn]lvt ;DklQ ;+ul7t ;+:yfsf] cfkm\g} ;DklQ xf] of lnhdf lnPsf], lnhdf lnPsf] eP lnhsf]

cjlw -ldlt ;d]t pNn]v ug'{kg]{_ M

Dffly plNnlvt ;DklQx? cfkm\g} :jfldTjdf /x]sf] / lnhdf s'g} ;DklQ glnPsf] .

-O_ olb ;DklQ ;+ul7t ;+:yfsf] :jfldTjdf /x]sf] ePdf pQm ;DklQ dfly s'g} lnog jf df]6{u]h

eP ;f] ;DaGwL ljj/0f M

gePsf] .

-O{_ ljj/0fkq af]8{df k]z ul/Psf] ldltdf ;+ul7t ;+:yfsf] ;DklQsf] lstfjL d"No / ahf/ d"No aLr km/s ePdf

;f] sf] ljj/0f M

o; a}+ssf] ;DklQsf] k'gd"{Nof+sg gul/Psf] xF'+bf lstfjL d"No / ahf/ d"No aLr km/s gePsf] .

-p_ ;DklQsf] d"Nof+sg ul/Psf] tl/sf ;DaGwL ljj/0f M

nfu' gx'g] .

u= efjL of]hgf tyf /0fgLlt M

-c_ Joj;fo÷;]jfsf] a[l4sf nflu ;+:yfsf] efjL of]hgf / To:tf] of]hgfsf] k|flKtsf nflu rflng] ;doj4

/0fgLlt M

!_ gofF pTkfbg tyf ;]jfx? M k|ljlwdf cfwfl/t gjLgtd pTkfbg tyf ;]jfx? Nofpg a}+s k|oTgzLn 5 .

a}lsË ;]jfsf] kx'Fr gk'u]sf] jf gePsf] hgtf dfem ;/n, ;'ne / e/kbf]{ a+}lsË ;]jf k'ofpg] a}+ssf] hf]8

/xg] 5 .

@_ zfvf ;+hfnM a}+ssf] kx'+r gePsf 7fpFx?df cfkmgf] pkl:ylt hgfp+b} hfg] p2]Zon] cfjZostf cg';f/

;+hfn a9fpFb} n}hfg] a}+ssf] sfo{qmd 5 .

#_ 8]lj6÷q]ml86 sf8{M ahf/df cfˆgf] alnof] pkl:ytLnfO{ sfod /fVg cfˆgf] sf8{ Joj;fonfO{ Jofks?kdf

lj:tf/ ub}{ hfg] k|of;df a}+s nfu]sf] 5 . cfkmgf] /fli6«o e'QmfgL ;+hfndf ;b:o ;+Vof a9fpb} n}hfg a}+s

k|oTgzLn 5 . o; af6 a}+ssf] u|fxs ;+Vof / cfDbfgL j[l4df ;xof]u k'Ug] 5 .

$_ Pl6Pd ;+hfnM cfˆgf u|fxsju{x?nfO{ a9L ;'ljwf k|bfg ug]{ a}+ssf] /0flgltcg'?k pkTosfleq tyf aflx/

Pl6Pd h8fgub}{ hfg] of]hgf a}+ssf] /x]sf] 5 .

%_ ;'rgf k|ljlwdf cfwfl/t ;]jf M a}+sn] gljgtd k|ljlwsf] dfWodaf6 cfˆgf] u|fxsx?nfO{ Value Added

Services h:t} OnlineLoan Application Processing k|0ffnL k|bfg ug]{ Wo]o /fv]sf] 5 .

^_ ljk|]if0f M ljk|]if0f Joj;fodf cfkmgf] ahf/ c+z a9fp+b} n}hfg a}+sn] cfjZoStf cg';f/ b]z e/L ljk|]if0f

ljt/s Ph]06 k'¥ofpg] of]hgf u/]sf] 5 . o:tf] ljk|]if0f ;+hfnnfO{ b'u{d If]qx? ;Dd lj:tf/ ug]{ of]hgf

ul//x]sf] 5 .

&_ cGo Joj;foM a+}lsË pBf]udf a9b} uPsf] k|lt:kwf {n] ubf{ cfˆgf] ljQLo l:yltnfO{ pko'St l:yltdf /fVg

a}+sx?nfO{ nufgLsf c? If]q vf]Hg'kg]{ x'g uPsf] 5 .

-cf_ k|lt:kwf{, ljBdfg cfly{s l:ylt / ;dfg lsl;dsf] pBf]usf] l:yltsf] cfwf/df ;+ul7t ;+:yfsf] Joj;fosf]

eljio M

b]zsf] a}+lsË If]]qdf xfn cToflws k|lt:kwf{ /x]sf] 5 . g]kfn /fi6« a+}ssf] lgb]{zgfg';f/ a+}ssf] r'Qmf kF"hL ?= *

ca{ k'¥ofpg' kg]{ Joj:yf adf]lhd a+}lsË If]qdf cfPsf] kl/jt{g, lgIf]ksf] t/ntf tyf a+}snfO{ cfˆgf] kF"hLdf

k|ltkmn sfod /fVg] r'gf}tL h:tf sf/0fx?n] a+}sx? aLr k|lt:kwf{ cem a9]sf] 5 . o; sDkgLn] cfˆgf] pNn]Vo

If]]q cf]u6\g cfˆgf] bL3{sfnLg /0fgLlt nfu" u/L ;f]xL adf]lhd sfo{ ub}{ cl3 a9]sf] 5 . ;f]xL /0fgLlt adf]lhd

a+}sn] xfn pNn]Vo ?kdf zfvf tyf P6LPd lj:tf/ ug]{, JolQmut / ;fgf tyf demf}nf shf{df j[l4 / rNtL

tyf jrt lgIf]kdf j[l4 ub}}{ nu]sf] 5 . ;fy}, u|fxssf] ;Gt'li6 tyf cg'ejsf] cfwf/df pRr d"NofÍg ub}{ ;do

;fk]If ?kdf a+}ssf] sfo{ gLlt kl/jt{g tyf kl/dfh{g ub}{ u|fxssf] klxnf] /f]hfO{sf] a+}s aGg] tyf ;f]sf nflu

cfjZos a+}ssf] cfGtl/s sfo{ k|0ffnLnfO{ yk ;/n tyf r':t agfpg] gLlt cjnDag u/]sf] 5 . a+}sn] lg/Gt/

?kdf sd{rf/Lsf] sfo{ Ifdtf clej[l4sf nflu cfˆgf sd{rf/Lx?nfO{ ljleGg tflnd k|bfg ub}}{ cfPsf] 5 . a+}sn]

cjnDag u/]sf] oxL bL3{sfnLg /0fgLltsf sf/0f a+}snfO{ /0fgLlts kmfObf k|fKt ePsf] 5 / bL3{sfnLg ?kdf

a+}ssf] ljQLo cj:yf tyf d'gfkmf l:y/ /fVgdf 7"nf] 6]jf k'Ug] ljZjf; lnPsf 5f+} . a+}s cfˆgf] cfGtl/s sfo{

11

k|0ffnL tyf lgoGq0f k|0ffnLnfO{ yk r':t kfb}{ cfˆgf] nufgLdf /x]sf] hf]lvdx? sd ug{ ;Ifd /x]sf] 5 /

eljiodf ljQLo If]qdf Ps leGg :yfg cf]u6\g] s'/fdf b[9 /x]sf] 5 .

a}+sn] k|If]lkt ljQLo ljj/0f tof/ ubf{ tnsf a'bfFsf cfwf/df u/]sf] 5 M

-s_ a}+ssf] efjL of]hgfx?, ljutsf aif{x?sf] sf/f]jf/sf] a[l4, a}+sn] u/]sf] cfDbfgL Pad\ a}+ssf] zfvf ;+hfn

lj:tf/ ug{] /0fgLlt, rfn' aif{sf] k|ult tyf g]kfn ;/sf/4f/f k|If]lkt ljQLo cfFs8fnfO{ cfwf/ dfg]sf] 5 .

-v_ a}+sn] lgIf]kdf cf}ift Jofh, shf{ ;fk6df cf}ift Jofh, a}wfgLs t/ntf cg'kft, clgjfo{ gub df}Hbft tyf

k"FhLsf]if cg'kft k|ltztnfO{ cfwf/ dfg]/ g]kfn /fi6« a}+sn] tf]s]sf] dfkb08 cg'?k sfod u/L ljQLo

ljj/0fsf] k|If]k0f u/]sf] xf] .

-u_ eljiodf x'g ;Sg ;Defljt cg'dfgLt kl/b[iosf] cfwf/df ljQLo ljj/0fsf] k|If]k0f tof/ u/]sf] xf] .

ljut aif{x?sf] t'ngfdf a}+lsË If]]qdf w]/} k|lt:kwf{ a9]sf] 5 . xfn @& j6f jfl0fHo a}+sx? lar o; a}ssf]

@)&^ r}q d;fGt;Ddsf] ljj/0f b]xfo adf]lhd /x]sf] 5 M

qm=;+= ljj/0f ;du| ahf/df a}ssf] lx:;f

! lgIf]k ;+sng 3.84% @ shf{ tyf ;fk6L 3.60% # v'b d'gfkmf 3.20% $ v'b Jofh cfDbfgL 3.68%

a}+ssf] xfn;Ddsf] k|ult ljj/0f tyf at{dfg ahf/df a}+ssf] cj:yfsf] ;DaGwdf a}+ssf] ljQLo ljj/0faf6 :ki6

?kdf b]lvPsf] 5 .

3= ;+rfns ;ldltsf] ;+/rgf / k|ltlglwTj ;DaGwL Joj:yf M

a}+ssf] lgodfjnLdf ePsf] Joj:yf cg';f/ & -;ft_ hgf ;~rfns ;b:o /x]sf] ;~rfns ;ldlt b]xfo adf]lhd

u7g ul/Psf] 5 .

;+:yfks ;d"xsf z]o/wgLx?sf] k|ltlglwTj ug]{ u/L lgjf{lrt÷dgf]lgt ;~rfnsx? $ hgf

;j{;fwf/0f z]o/wgLx?sf] k|ltlglwTj ug]{ u/L lgjf{lrt÷dgf]lgt ;~rfnsx? @ hgf

:jtGq ;+rfns ! hgf

hDdf & hgf

;~rfnsx?sf] sfo{sfn $ jif{sf] x'g]5 .

a}+ssf] lgodfjnLsf] lgod @* df ePsf] Joj:yf cg';f/ ;+rfns kbdf lgo'Qm x'gsf] nflu sDtLdf !)) yfg

z]o/ lnPsf] x'g'kg]{5 . t/ :jtGq ;+rfnssf] xsdf of] Joj:yf nfu' x'g]5}g .

$= k"FhL ;+/rgf ;DaGwL hfgsf/L M

-s_ clws[t, hf/L tyf r'Qmf k"FhL / ;++:yfsf] :yfkgf kZrft ;f]df kl/jt{g ePsf] eP tt\ ;DaGwL ljj/0f M

clws[t k"FhL M a}+ssf] clws[t k"FhL ?=!),#!,%%,)^,^#%÷— -cIf/]kL bz ca{ PslQ; s/f]8 kRfkGg nfv 5

xhf/ 5 ;o k}lt; ?k}of dfq_ /x]sf] 5 . h;nfO{ k|lt z]o/ ?= !))÷— clÍt d"Nosf !),#!,%%,)^^ -bz

s/f]8 PslQ; nfv kRfkGg xhf/ 5};¶L _ lsQf ;fwf/0f z]o/x?df ljefhg ul/Psf] 5 .

hf/L k"FhL M a}+ssf] hf/L k"FhL ?=!),#!,%%,)^,^#%÷— -cIf/]kL bz ca{ PslQ; s/f]8 kRfkGg nfv 5 xhf/ 5

;o k}lt; ?k}of dfq_ /x]sf] 5 . h;nfO{ k|lt z]o/ ?= !))÷— clÍt d"Nosf !),#!,%%,)^^ -bz s/f]8 PslQ;

nfv kRfkGg xhf/ 5};¶L _ lsQf ;fwf/0f z]o/x?df ljefhg ul/Psf] 5 .

r'Qmf k"FhL M xfn a}+ssf] r'Qmf k"FhL ?=!),#!,%%,)^,^#%÷— -cIf/]kL bz ca{ PslQ; s/f]8 kRfkGg nfv 5

xhf/ 5 ;o k}lt; ?k}of dfq_ /x]sf] 5 . h;nfO{ k|lt z]o/ ?= !))÷— clÍt d"Nosf !),#!,%%,)^^ -bz

s/f]8 PslQ; nfv kRfkGg xhf/ 5};¶L _ lsQf ;fwf/0f z]o/x?df ljefhg ul/Psf] 5 .

a}+ssf] :yfkgf kZrft k"FhLdf ePsf] kl/jt{g ;DaGwL ljj/0f

k|e' a}+s ln= sf] k"FhL ljj/0f b]xfo adf]lhd /x]sf] 5 .

12

cfly{s jif{ clws[t kF"hL -?=_ hf/L k"FhL -?=_ r'Qmf k"FhL -?=_ ldlt

@)&!÷)&@ !),)),)),)),)))÷– #,@)*,**%,@@$÷– #,@)*,**%,@@$÷– @)&!÷)%÷#)

@)&@÷)&# !),)),)),)),)))÷– #,**!,$)@,@@$÷ #,**!,$)@,@@$÷ @)&#÷)#÷@^

@)&@÷)&# !),)),)),)),)))÷– *,@##,(^@,*))÷ %,**!,$)@ ,@@$÷– @)&#÷)*÷@^

@)&$÷)&% !),)),)),)),)))÷– *,@##,(^@,*))÷– *,@##,($*,%@$÷– @)&%÷)#÷#@

@)&%÷)&^ !),)),)),)),)))÷– *,*(,@^,&$,&)^÷– *,*(,@^,&$,&)^÷– @)&^÷)#÷#!

@)&^÷)&& !),#!,%%,)^,^#%÷– !),#!,%%,)^,^#%÷– !),#!,%%,)^,^#%÷– @)&^÷!)÷)*

-v_ lgisfzg kl5sf] r'Qmf k"FhL -;d"xs[[t ul/Psf] cj:yfdf ;f]xL cg'?k_ M

C0fkq lgisfzg k"j{ sDkgLsf] z]o/ k"FhLsf] ;+/rgf M

;d"x z]o/wgLx? z]o/ lsQf k"+hL ;+/rgf r'Qmf /sd -?=_ e'QmfgL

k|ltzt

-s_ ;+:yfks %,@^,)(,)*#=*$ %!Ü %,@^,)(,)*,#*$÷– Zftk|ltzt

-v_ ;j{;fwf/0f -sd{rf/Lx? ;d]t_ %,)%,$%,(*@=%! $(Ü %,)%,$%,(*,@%!÷– Zftk|ltzt

hDdf !),#!,%%,)^^=#% !))Ü !),#!,%%,)^,^#%÷–

C0fkq lgisfzg u/L afF8kmfF8 u/] kZrft sDkgLsf] z]o/ k"FhL / C0fkq k"FhLsf] ;+/rgf M

z]o/ kF"hL M

;d"x z]o/wgLx? z]o/ lsQf k"+hL ;+/rgf r'Qmf /sd -?=_ e'QmfgL

k|ltzt

-s_ ;+:yfks %,@^,)(,)*#=*$ %!Ü %,@^,)(,)*,#*$÷– Zftk|ltzt

-v_ ;j{;fwf/0f -sd{rf/Lx? ;d]t_ %,)%,$%,(*@=%! $(Ü %,)%,$%,(*,@%!÷– Zftk|ltzt

hDdf !),#!,%%,)^^=#% !))Ü !),#!,%%,)^,^#%÷–

C0fkq kF"hL M

ljj/0f r'Qmf /sd -?=_ e'QmfgL k|ltzt

?= !,))).— c+lst b/sf] !),)),))) lsQf C0fkqx? !,)),)),)),))) ztk|ltzt

?= !,))).— c+lst b/sf] @),)),))) lsQf C0fkqx? k|e' a}+s l8a]Gr/

@)*$*

@,)),)),)),))) ztk|ltzt

*o; ljj/0fkq dfkm{t lgisfzg ug{ nfluPsf] C0fkq .

-u_ z]o/ lk|ldod vftf -lgisfzg k"j{ / lgisfzg kZrft_ M

;f] gePsf] .

%= ;+:yfks÷;+rfns ;DaGwL hfgsf/L M

s= ;+:yfks÷;+rfnssf] k[i7e"ld M

-c_ cfwf/e"t z]o/wgLx? tyf ;+rfnsx?sf] gfd, kb, pd]/, /fli6«otf, 7]ufgf, z]o/ :jfldTj, z}lIfs of]Uotf

/ Jofkf/÷Joj;fodf cg'ej M

cfwf/e"t z]o/wgLx?sf] ljj/0f

qm=

;+=

cfwf/e"t

z]o/wgLsf]

gfd / 7]ufgf

kb ;+:yfks

z]o/ ;+Vof

;j{;fwf/0f

z]o/

s"n z]o/

;+Vof

pd]/ /fli6«otf z}lIfs

of]Uotf

Joj;foLs

cg'ej

k]zf

1 tf/f s'df/L

e§rg, jfUn'ª

;+:yfks 4,836,367

387,138

5,223,505

%# g]kfnL ;fdfGo

– Jofkf/

13

2 k||e' u|'k

k|f=ln=,

sf7df08f}}

;+:yfks 4,230,968

858,653

5,089,621

Nffu'

gx'g]

Nffu'

gx'g]

Nffu'

gx'g]

Nffu' gx'g] Jofkf/

3 uf}/a cu|jfn,

afudtL

;+:yfks 4,409,263

346,661

4,755,924

#& g]kfnL :gfts – Jofkf/

4 g]kfn

OGe]i6d]G6

k|f=ln=,

nlntk'/

;+:yfks 3,412,603

267,660

3,680,263

Nffu'

gx'g]

Nffu'

gx'g]

Nffu'

gx'g]

Nffu' gx'g] Jofkf/

5 ljgf]b ysfnL .

DofUbL

;+:yfks 2,688,989

212,373

2,901,362

%* g]kfnL ;fdfGo

– Jofkf/

6 sd{rf/L ;+Rfo

sf]if, nlntk'/

;+:yfks 1,068,182

215,954

1,284,136

Nffu'

gx'g]

Nffu'

gx'g]

Nffu'

gx'g]

Nffu' gx'g] Jofkf/

7 ;'bLk cfrfo{,

sf7df08f}

;+:yfks 1,004,124

203,003

1,207,127

$% g]kfnL Pd=O{ – Jofkf/

8 clDasf zdf{

nfld5fg],

sf7df08f}

;+:yfks 873,373

200,712

1,074,085

$% g]kfnL Pd=lj=P o;

a}+ssf] ;~r

fns kbdf

k6s k6s

u/L !) aif{

-;fljs k|e'

kmfOgfG;

lnld6]8 /

;fljs k|e'

ljsf; a}+s

lnld6]8

;d]tdf_

eGbf a9L

sfd u/]sf]

/ cfzf

OG6/g]zgn

k|f=ln=sf]

cWoIf eO{

!% aif{ eGbf

al9 sfd

u/]sf] .

Jofkf/

;+rfnsx?sf] ljj/0f M

qm=

;+=

gfd kb pd]/ -jif{_ /fli6«otf 7]ufgf z}lIfs

of]Uotf

cg'ej z]o/

:jfldTj

!= >L b]jL k|sfz

e§rg

;+:yfks ;d"x

cWoIf %* g]kfnL nlntk'/,

d=g=kf=

j8f g+= @,

;fg]kf,

nlntk'/

Pd=lj =P= o; a}+ssf] cWoIf kbdf k6s k6s

u/L !@ aif{ -;fljs k|e' kmfOgfG;

lnld6]8 / ;fljs k|e' ljsf; a}+s

lnld6]8 ;d]tdf_ eGbf a9L, ;fljs

Unf]jn a}+s lnld6]8sf] ;~rfns

kbdf @ aif{ eGbf a9L sfd u/]sf]

. k|e' 6«feN; k|f=ln=sf] cWoIf eO{

@@ aif{ eGbf al9, k|e' dlg 6«fG;km/

k|f=ln=sf] cWoIf eO{ !^ aif{ eGbf

al9, k|e' OG:of]/]G; lnld6]8sf]

cWoIf eO{ # aif{ eGbf a9L, k|e'

OGe]i6d]06 k|f=ln=sf] cWoIf eO{ !&

aif{ eGbf al9, k|e' x]lnsK6/

*#%@

14

k|f=ln=sf] cWoIf eO{ % aif{ eGbf

a9L / l8; ldl8of g]6js{ k|f=ln=sf]

cWoIf eO{ ^ aif{ eGbf al9 sfd

u/]sf] .

@= >L k'ik axfb'/

k|wfg

;+:yfks ;d"x

;~rfns ^( g]kfnL nlntk'/,

d=g=kf=

j8f g+= #,

emlD;v]n,

nlntk'/

Pd=P= o; a}+ssf] ;~rfns kbdf k6s

k6s u/L % aif{ -;fljs lsi6 a}+s

lnld6]8 ;d]tdf_ eGbf a9L /

laleGg z}lIfs ;+:yfdf !) aif{

cWofkg u/]sf] .

@$!^

#= >L clDjsf

zdf{ nfld5fg]

;+:yfks ;d"x

;~rfns $% g]kfnL sf=d=g=kf

= #,

a;'Gw/f,

sf7df08f}

Pd=lj=P o; a}+ssf] ;~rfns kbdf k6s

k6s u/L !) aif{ -;fljs k|e'

kmfOgfG; lnld6]8 / ;fljs k|e'

ljsf; a}+s lnld6]8 ;d]tdf_ eGbf

a9L sfd u/]sf] / cfzf

OG6/g]zgn k|f=ln=sf] cWoIf eO{

!^ aif{ eGbf al9 sfd u/]sf] .

!)&$)*%

$= >L /d]z l;+x

v8\sf

;+:yfks ;d"x

;~rfns ^^ g]kfnL lab'/ g=kf

@,

g'jfsf]6

:gfts o; a}+ssf] ;~rfns kbdf k6s

k6s u/L ^!÷@

aif{ -;fljs ;Dj[l4

ljsf; a}+s lnld6]8 / ;fljs k|e'

ljsf; a}+s lnld6]8 ;d]tdf_ eGbf

a9L / s[lif ljsf; a}+s lnld6]8df

clws[t :t/df /x]/ @* aif{ eGbf

a9L sfd u/]sf] .

@)$$%

%= >L z+s/ k|;fb

sflnsf]6f

-k|ltlglw g]kfn

dlg /]ld6

k|f=ln=_

;j{;fwf/0f

;d"x

;~rfns %* g]kfnL sf=d=g=kf

#!

zfGtLgu/

,

sf7df08f}+

df:6/

ckm

;fOG; Og

OlGhlgol/

ª

k|e' Soflk6n lnld6]8df ! !÷@

aif{

dxfk|aGws kbdf /x]/ sfd u/]sf],

lejf]/ Soflk6n lnld6]8df @ aif{

k|d'v sfo{sf/L kbdf /x]/ sfd

u/]sf] / g]kfn ljsf; a}+sdf ( aif{

eGbf al9 gfoj k|jGws kbdf /x]/

sfd u/]sf] . o; a}+sdf @ aif{ eGbf

a9L ;+rfns kbdf /x]/ sfo{ u/]sf]

.

#&@$

^= >L c~h'

clwsf/L

-k|ltlglw

O=l;=P;=dlg

6«G;km/ k|f=ln=_

;j{;fwf/0f

;d"x

;~rfns ^% g]kfnL sf=d=g=kf

= j8f g+=

)(,

alQ;k't

nL,

sf7df8f}+

:gfts g]kfn /fi6« a}+sdf ljleGg kbdf

/x]/ #) aif{ sfo{ u/]sf] .

o; a}+sdf ! !÷@

aif{ eGbf a9L

;+rfns kbdf /x]/ sfo{ u/]sf] .

#&@$

&= >L Clif/fd

uf}td

:jtGq

;~rfns

^# g]kfnL lrtjg

lhNnf

e/tk'/

d=g=kf

j8f g+

!$,

;'Gb/a:tL

Pd=lj=P g]kfn /fi6« a}+sdf ljleGg kbdf

/x]/ #) aif{ ;Dd sfo{ u/]sf] /

gful/s nfufgL sf]ifdf sfo{sf/L

lgb]{zs eO{ % jif{, o; k|e' a}+s

lnld6]8df @!÷@

aif{ ljif]z1

;+rfns eO{ sfo{ u/]sf] .

$^!%

-cf_ ;+:yfksx? s'g} sDkgL÷;+:yf ePdf To:tf] sDkgL÷;+:yfsf] gfd tyf 7]ufgf ;lxtsf] ;+lIfKt ljj/0f /

pQm sDkgL÷;+:yfsf ;~rfnsx?sf] gfd, 7]ufgf -k|fs[lts JolQm gv'n];Dd_ M

o; a}+ssf] ;+:yfks sDkgL÷;+:yfsf] gfd tyf 7]ufgf tyf pQm sDkgL tyf ;+:yfsf ;+rfnsx?sf] gfd tyf

7]ufgf ;DaGwL ljj/0f b]xfo adf]lhd /x]sf] 5 .

15

qm=;+= ;+:yfut ;+:yfkssf] gfd / 7]ufgf lsQf ;+rfnssf] gfd 7]ufgf Kfb

1 /fli6«o jLdf ;++:yfg, sf7df08f} 9726

>L u+uf/fd s+8]n

>L dx]Zj/ nfn >]i7,

>L ljZj /fh a/fn

>L a;Gt /fh kf08]

>L slj k|;fb kf7s

>L s[i0f s'df/ >]i7

g]kfn /fi6« a}+s

g]kfn /fi6« a}+s

cWoIf

;~rfns

;~rfns

;~rfns

;~rfns

;lrj

2 /fli6«o jLdf sDkgL ln=, sf7df08f} 9726

>L pd]z rGb| pkfWofo

>L yfg k|;fb k+u]gL,

>L ljho s'df/ >]i7

>L k|sfz s'df/ clwsf/L

>L czf]s s'df/ pk|]tL

>L lg/~hg cfrfo{

cy{ dGqfno

sd{rf/L

;+rosf]if

g]kfn a}+s ln=

cWoIf

;~rfns

;~rfns

;~rfns

;~rfns

;lrj

3 nfO{km OG:of]/]G; skf]{/]zg g]kfn

lnld6]8, k'tnL;8s

99588

>L Pd=cf/ s'df/

>L czf]s cu|nfn

>L nIdL k|;fb bf;

>L s'df/ s]z/ lai6

>L le=s]= s's/]hf

ef/t

ef/t

ef/t

cWoIf

;~rfns

;~rfns

;~rfns

;~rfns

;lrj

4 xfO{Nof08 xf]N8LË k|f=ln=, sf7df08f} 248127

>L e'if0f u'/fufO{,

>L ;f}/e u'/fufO{

>L z'lznf l3ld/]

pknAw gePsf] cWoIf

;~rfns

;~rfns

5 u'F/f; nfOkm OG:of]/]G; s+= ln=,

ltgs'g]

21884

>L ljj]s b'u8

>L lazfn 6f6/

>L ckr s'df/ ofbj

>L lzj axfb'/ >]i7

>L d]3/fh kf}8]n

>L zDe' k|;fb ;'j]bL

>L ;f}/e b'u8

;g/fO{h a}+s ln=

cWoIf

;~rfns

;~rfns

;~rfns

;~rfns

;~rfns

;~rfns

6 k|'8]lG;on Soflk6n d]g]hd]G6

sDkgL k|f=ln=, sf7df08f}

104330

>L czf]s s'df/ cu|jfn

>L dw' cu|jfn

>L clk{t cu|jfn

nflhDkf6,

sf7df08f}+

cWoIf

;~rfns

;~rfns

7 g]kfn nfO{km O{G;'/]G; sDkgL ln=,

sdnfbL

73344

>L uf]ljGb nfn ;+3fO{

>L /fd cjtf/ cu|jfn

>L sdn]z s'df/ cu|jfn

>L ljj]s cu|jfn

>L k|sfz d'08/f

>L ljdn k|;fb 9sfn

>L kf?n 9sfn

pknAw gePsf] cWoIf

;~rfns

;~rfns

;~rfns

;~rfns

;~rfns

;~rfns

8 SHTC OG6/g]zgn, sf7df08f} 7295

>L cldt cu|jfn

>L ;'ldt cu|jfn

pknAw gePsf] ;~rfns

;~rfns

9 sflnsf OGe]i6d]06 P08 d]Ghd]G6,

la/uGh

36473

>L ;To gf/fo0f Sofn

>L alatf Sofn cu|jfn

>L cg'h Sofn

>L lasfz s'df/ Sofn

>L l/6]n s'df/ Sofn

pknAw gePsf] cWoIf

;~rfns

;~rfns

;~rfns

;~rfns

10 k|'8]gl;on OG';'/]G; sDkgL k|f=ln=,

sdnfbL

72948

>L >j0f s'df/ cu|jfn

>L ljzfn cu|jfn

>L cldt cu|jfn

>L clk{t cu|jfn

>L clgtf /fodflem

>L cfgGb afa' v8\sf

pknAw gePsf]

cWoIf

;~rfns

;~rfns

;~rfns

;~rfns

;~rfns

16

11 sd{rf/L ;~ro sf]if, nlntk'/ 1068182

>L lzlz/ s'df/ 9'+ufgf, ;lrj,

>L 8f= l8NnL /fh zdf{,

k|Wofks, lqe'jg ljZjljBfno

>L ems k|;fb cfrfo{, ;lrj,

g]kfn ;/sf/

>L z+s/ axfb'/ kl08t,

la|u]l8o/, hg/n

>L ;'/]z ljqmd zfx, k|x/L

gfoj dxflgl/Ifs

>L ls/0f s'df/ >]i7, k|d'v

sfo{sf/L clws[t,

>L t'n;L k|;fb uf}td, k|d'v

k|zf;s,

g]kfn ;/sf/

lqe'jg

ljZjljBfno

g]kfn ;/sf/

g]kfnL ;]gf

g]kfn k|x/L

/fli6«o afl0fHo

a}+s

sd{rf/L

;+rosf]if

cWoIf

;~rfns

;~rfns

;~rfns

;~rfns

;~rfns

;~rfns

12 o; cf/ xfO{8«f] P08 O{Ge]i6d]G6,

lzj eQm dfu{

86455

pknAw gePsf] pknAw gePsf] pknAw

gePsf]

13 cf/ Pd l; OGe]id]G6 k|f=ln=, 6]s' 29178 pknAw gePsf] pknAw gePsf] pknAw

gePsf] 14 uf} dftf OGe]i6d]G6 s+=k|f=ln=,

sf}lzs dfu{

20432 >L >Ls[i0f /]UdL

>L cRo"t /fh /]UdL

>L lbns'df/L 9'+ufgf

kf]v/f @ sf:sL

kf]v/f @ sf:sL

kf]v/f @# sf:sL

cWoIf

;~rfns

;~rfns

15 cf]d rjf]]lj/f] lkm8 OG8li6«h k|f=ln=,

yfkfynL

291791 >L ;'/]z s'df/ ?+u6f

pknAw gePsf]

;~rfns

16 a]:6 Dofg]h OGe]i6d]G6 k|f=ln=,

gfuf{h'g

2918 >L ;'jf; l;njfn

>L bfdf]b/ /fodfemL

>L ljgf]b sfkm\n]

>L lji0f' k|;fb Gof}kfg]

>L /fwf b]jL

w'if *, wflbË

k]uf, u'NdL

ZofD3f * tgx'

x+;k'/ #, sf:sL

l5:tL ^, afUn'Ë

cWoIf

;~rfns

;~rfns

;~rfns

;~rfns

17 k|e' u|'k k|f=ln, nlntk'/ 4230968 >L b]aL k|sfz e6\6rg, ;fg]kf, @

nlntk'/

;~rfns

18 g]kfn OGe]i6d]G6 k|f=ln=, nlntk'/ 3412603 >L ;~ho ljqmd zfx,

s'kG8f]n,

nlntk'/

;~rfns

19 lzv/ OG:of]/]G; s+=ln=, yfkfynL 113149

>L /fh]Gb| k|;fb >]i7

>L /d]z s'df/ n'O{6]n

>L l;4Ldfg l;+ a:g]t

>L :sGb cdfTo

>L ;f}/e h=a=/f

8f= ;?hgf>]i7

>L lbg]z ah| ah|frfo{

pknAw gePsf] cWoIf

;~rfns

;~rfns

;~rfns

;~rfns

;~rfns

;~rfns

20 xf/df]gL OGe]i6d]G6 k|f=ln=, j;Gtk'/ 232178 >L uf}/j cu|jfn

pknAw gePsf] ;~rfns

21 g]kfn xfplhª P08 sG:6«S;g

k|f=ln=, jfUdtL

100336 pknAw gePsf]

pknAw gePsf] pknAw

gePsf] 22 ;Tod Pu|f] k|f= ln=, la/uGh 36070

>L kjg s'df/ ;fx pknAw gePsf]

;~rfns

23 ;g g]kfn nfO{km OG:of]/]G; s+=ln=,

sdnfbL

900000 >L cg'h s]ofn

>L ls/0f s]= ;L=

>L gf/fo0f ?+u6f

>L ;zf+s cu|jfn

pknAw gePsf] cWoIf

;~rfns

;~rfns

;~rfns

17

-O_ ;+ul7t ;++:yfsf] ;+rfns cGo s'g} sDkgL ;++:yf, sf]if, ;+u7g;Fu cfj4 eP To:tf] ;+rfns / cfaå ePsf]

;+:yfsf] gfd, 7]ufgfM

sDkgLsf ;+rfnsx? cfaå /x]sf cGo sDkgL, ;+:yf, sf]if, ;+u7g jf kmd{x?sf] ljj/0f b]xfo cg';f/ 5 M

qm=;+= Gfd kb z}lIfs of]Uotf 7]ufgf cfj4 ePsf] sDkgL, ;+:yf, sf]ifsf] gfd

! >L b]jL k|sfz

e§rg

cWoIf Pd=lj=P

nlntk'/,

p=d=g=kf= j8f

g+= #, j8Lv]n,

nlntk'/

k|e' dlg 6«fG;km/k|f=ln=, k|e' OGe]i6d]G6 k|f= ln=,g]r'/n

lxdfnog kmfd{ k|f=ln, k|e' O{ghL{ k|f=ln, k|e' x]lnsk6/

k|f=ln,lxdfnog a'l6s P08 :kf k|f=ln, k|e' 6f«eN; k|f=ln,

k|e' dlg r]Gh/ k|f=ln, k|e' l8lh6n k|f=ln, l;Dkn

6]lnlehg g]6js{ k|f=ln,k|e' 6]Sgf]nf]hL k|f=ln,dfxsfnL

l8lh6n l6 le g]6js{ k|f=ln, k|e' OG:o'/]G; k|f=ln

@ >L clDasf

zdf{ nfld5fg]

cWoIf Pd=lj=P sf=d=g=kf= #,

a;'Gw/f,

sf7df08f} .

cfzf OG6/g]zgn k|f=ln=

æ;"rLs[t ;Ël7t ;+:yfx¿sf] ;+:yfut ;'zf;g ;DaGwL lgb{]lzsf, @)&$Æ sf] Joj:yfx? tyf sDkgL P]g,

@)^# sf] bkmf *( sf] pkbkmf -!_ 5 sf] kfngf ePsf] 5 .

-O{_ ;+:yfks÷;+rfnssf] xs x:tfGt/0f aGb]h ;DaGwL ljj/0f M

o; a}+ssf] k|jGwkq÷lgodfjnLdf z]o/ vl/b jf x:tfGt/0f ug{ aGb]h ;DaGwL Joj:yf b]xfo adf]lhd x'g]5M

-s_ a}+sn] tTsfn sfod /x]sf z]o/wgLx?nfO{ lwtf]kq hf/L u/L k"FhL a9fpbf k|rlnt lwtf]kq btf{ tyf lgisfzg

lgodfjnLsf] clwgdf /xL lwtf]kqsf] xsk|b lgisfzg ug{ ;Sg]5 . o;/L lgisfzg ul/g] lwtf]kq vl/b ubf{

ttsfn sfod /x]sf ;+:yfks jf ;j{;fwf/0f z]o/wgLx? dWo] s'g} klg z]o/wgLn] cfkm\gf] tTsfn sfod

/x]sf] xsk|b z]o/ vl/b ug]{ xs cf+lzs jf k'/} x:tfGt/0f ug{ rfx]df k|rlnt lwtf]kq btf{ tyf lgisfzg

lgodfjnL, g]kfn /fi6« a}+saf6 ;do ;dodf hf/L ul/Psf] lgb]{zg jf kl/kq tyf cGo k|rlnt sfg"gsf]

clwgdf /xL x:tfGt/0f ug{ ;Sg]5 .

-v_ g]kfn /fi6« a}Fssf] k"j{ :jLs[lt glnO{ ;+:yfks / ;j{;fwf/0f ;d"xsf] z]o/ :jfldTj cg'kftdf kl/jt{g ug{

kfO{g] 5}g .

-u_ a}+sn] sf/f]af/ ;+rfng u/]sf] kfFr jif{ gk']u;Dd ;f] ;+:yfsf] ;+:yfksn] cfˆgf] z]o/ laqmL jf lwtf]aGws

/fVg kfpg] 5}g / pQm cjlwkl5 To:tf] z]o/ laqmL ubf{ jf lwtf]aGws /fVg' kbf{ g]kfn /fi6« a}+ssf] k"j{

:jLs[lt lng' kg{]5 . o; Joj:yf adf]lhd a}+sn] sf/f]af/ ;+rfng u/]sf] kfFr jif{ gk'u] tfklg a}+ssf]

;+rfngdf s'g} afwf Jojwfg pTkGg eO{ ljz]if kl/l:yltsf] ;[hgf x'g uPdf g]kfn /fi6« a}+ssf] :jLs[lt lnO{

;+:yfksx?sf aLrdf z]o/ vl/b laqmL ug{ ;lsg]5 .

t/ To;/L xs 5f]8\bf jf x:tfGt/0f ubf{ klxnf] k|fyldstf h'g ;d"xsf] z]o/ xf] ;f]xL ;d"xsf z]o/wgLx¿nfO{

lbg' kg{]5 . ;d"xleq pk;d"x /x]sf] cj:yfdf h'g pk;d"xsf] z]o/ xf] ;f]xL pk;d"xsf z]o/wgLnfO{

k|fyldstf lbOg]5 . o;/L z]o/ laqmL ubf{ Ps eGbf a9L z]o/wgLn] z]o/ vl/b ug{ rfx]df lghn] wf/0f

u/]sf] z]o/sf] cg'kftdf ljt/0f ug'{ kg]{5 . ;f] ;d"xsf s'g} klg ;+:yfks z]o/wgLn] z]o/ lng] OR5f gu/]df

dfq To:tf] z]o/ ;+rfns ;ldltsf] lg0f{o adf]lhd g]kfn /fi6« a}+ssf] :jLs[lt lnO{ cGo JolQm, kmd{, sDkgL

jf ;+:yfnfO{ laqmL ug{ ;lsg] 5 .

-3_ s'g} ;+:yfkssf] z]o/wgLsf] d[To' ePdf jf cbfntsf] cfb]zn] lghsf] z]o/ xsjfnfdf gfd;f/L x'g] ePdf

v08 -u_ sf] aGb]h nfu" x'g] 5}g .

-ª_ a}+ssf ;+rfns, sfo{sf/L k|d'v, n]vfk/LIfs, ;lrj jf a}+ssf] Joj:yfkg tyf n]vf ;DaGwL sfo{df k|ToIf

?kn] ;+nUg JolQmn] To:tf] kbdf axfn /x+bfsf] jvt jf To:tf] kbaf6 cjsfz k|fKt u/]sf] sDtLdf Ps

jif{;Dd a}+s jf To;sf] ;xfos sDkgLsf] z]o/ cfkm\gf] jf cfkm\gf] kl/jf/sf] lgoGq0fdf /x]sf] kmd{, sDkgL

jf ;+:yfsf] gfddf vl/b laqmL ug{, u/fpg, ug{ lbg, lwtf]aGws /fVg, /fVg nufpg jf bfg as; lng, lbg

jf n]gb]g ug{ x'+b}g .

-r_ s;}n] v08 -ª_ sf] ljkl/t sfd u/]df To:tf] z]o/ a}+sn] hkmt ug]{5 / To;/L hkmt ePsf] z]o/ ;+rfns

;ldltn] plrt 7x¥ofPsf] lsl;daf6 laqmL lat/0f ug{ ;Sg]5 .

18

-5_ z]o/ vl/b jf x:tfGt/0f ug{ aGb]h ;DaGwL cGo Joj:yf k|rlnt a}+s tyf ljQLo ;+:yf ;DaGwL sfg"g,

sDkgL sfg"g, lwtf]kq sf/f]jf/ ;DaGwL sfg"g tyf cGo k|rlnt sfg"gdf pNn]v eP adf]lhd x'g]5 .

v= ;+:yfks÷;~rfns;Fusf] sf/f]jf/ M

-c_ ;+ul7t ;++:yfaf6 s'g} ;+:yfks÷;~rfnsn] k|ToIf jf ck|ToIf ?kdf s'g} j:t' jf ;'ljwf -cfly{s jf

u}/cfly{s_ k|fKt u/]sf] jf k|fKt ug]{ ePdf To:tf] j:t' jf ;'ljwfsf] k|s[lt / d"No / To:tf] ;'ljwf lbP

jfkt a}+sn] s'g} ;DklQ, ;]jf k|fKt u/]sf] jf ug]{ ePdf tT;DaGwL ljj/0f M

;f] gePsf] .

-cf_ aF'bf c df pNn]lvt j:t' jf ;'ljwfsf] d"No lgwf{/0f ug{ ckgfOPsf] tl/sf M

;f] gePsf] .

^= ;Lldt bfloTj ;DaGwL Joj:yf M

of] a}+s sDkgL P]g,@)^# tyf a}+s tyf ljQLo ;+:yf ;DaGwL P]g,@)&# cGtu{t :yflkt tyf ;~rflnt klAns lnld6]8

sDkgL xf] . o;df z]o/jfnfx?sf] bfloTj l;ldt 5 . o; a}+ssf z]o/jfnfx?sf] bfloTj lghx?n] vl/b u/]sf] z]o/sf]

c+lst d"No ;Dd dfq l;ldt x'g]5 . C0fkqsf] xsdf C0fkq jfnfx?n] vl/b u/]sf] C0fkqsf] e'StfgL ug]{ bfloTj a}+ssf]

x'g]5 .

&= ;+ul7t ;+:yfsf] sd{rf/L ;DaGwL hfgsf/L M

s= ;+ul7t ;+:yfsf] pRr Joj:yfksLo txsf clws[t sd{rf/Lx? ;DaGwL ljj/0f M

-c_ ;+ul7t ;++:yfsf] pRr Joj:yfksLo txsf sd{rf/Lsf] gfd, of]Uotf, lgo'lQm ePsf] ldlt, klxn] u/]sf]

sfdsf] cg'ej tyf ;+ul7t ;++:yfsf] z]o/ lnPsf] eP z]o/ ;+Vof ;DaGwL ljj/0f . ;fy} To:tf] sd{rf/Lx?

cGo s'g} ;"rLs[t ;+ul7t ;++:yfsf] cfwf/e"t z]o/wgLsf] ?kdf /x]sf] jf sd{rf/Lx?n] cGo s'g} ;+ul7t

;+:yfdf u/]sf] nufgL ;DaGwL ljj/0f M

qm=

;+=

sd{rf/Lsf] gfd,

y/

kb of]Uotf lgo'lQm ldlt sfof{g'ej o;} a}+ssf]

z]o/df

nufgL

-z]o/

;+Vof_

!= >L czf]s z]/rg k|d'v sfo{sf/L

clws[t

Pd=la=P= !(÷!)÷@)&) pFxfn] !((% af6 g]kfn

aËnfb]z a}+s df cfˆgf] a}+lsË

sfo{ ;'? u/g' eof] , Pg=l;=l;

a}=s lnld6]8 df ( jif{ sfd

u/]sf] cg'ej , sfosf/L k|d'v

kbdf -;fljs k|e' kmfOgfG;

lnld6]8 / ;fljs k|e' ljsf;

a}+s lnld6]8_ ;d]tdf $ jif{

eGbf a9L sfd u/]sf] cg'ej /

xfn o; a}+ssf] sfosf/L k|d'v

kbdf - k|e' a}+s lnld6]8_ sfd

u/L /x]sf] .

–

@= >L dgL/fd kf]v/]n k|d'v ljlhg];

clws[t

Pd=la=P= )!÷)^÷@)^( pFxfn] !(() af6 glan a}+sdf

cfˆgf] a}+lsË sfo{ ;'? u/g' eof]

, Pg=l;=l; a}=s lnld6]8 df %

jif{ sfd u/]sf] cg'ej ,

P;=la=cfO{ a}=s lnld6]8df #

jif{ sfd u/]sf]

cg'ej, :6\of08/ kmfO{gfG;df !

jif{ sfd u/]sf] cg'ej,lxdr'nL

lasf; a}+sdf sfo{sf/L k|d'v

kbdf % jif{ sfd u/]sf] cg'ej

,Pr P08 la 8]enKd]G6 a}+sdf !

jif{ sfd u/]sf] cg'ej, ;da[l¢

–

19

lasf; a}+sdf sfo{sf/L k|d'v

kbdf ! jif{ sfd u/]sf] cg'ej

, -;fljs k|e' ljsf; a}+s

lnld6]8df ! jif{ sfd u/]sf]

cg'ej / xfn o; a}+ssf] k|d'v

ljlhg]; clws[t kbdf sfd u/L

/x]sf] .

# >L jfdb]j bfxfn k|d'v kl/of]hgf

clws[t

:gfts @*÷)(÷@)&$ pFxfn] !(*% af6 glan a}+s df

cfˆgf] a}+lsË sfo{ ;'? u/g' eof]

, Pg=cfO{=l; Pl;of a}=s

lnld6]8 df !! jif{ sfd u/]sf]

cg'ej ,;flas lsi6 a}+s -xfn

k|e' a}+s_ df % jif{ sfd u/]sf]

cg'ej xfn o; a}+ssf] k|d'v

kl/of]hgfk|k clws[t kbdf sfd

u/L /x]sf] .

–

$ >L ef]nf k|;fb

Kff7s

k|e' Soflk6n -

k|d'v sfo{sf/L

clws[t_

Pd=la=P= )(÷)^÷@)^$ pFxfn] !((% af6 >L

O{Ge];6d]G6 P08 kmfO{gfG;

sDkgL ln=af6 cfˆgf] a}+lsË

sfo{ ;'? u/g' eof] , h]lgy

kmfO{gfG; ln= df & jif{ sfd

u/]sf] cg'ej / xfn k|e'

Soflk6ndf k|d'v sfo{sf/L

clws[t kbdf sfd u/L /x]sf] .

–

% >L lg/h nD;fn k|d'v shf{

clws[t

Pd=la=P; )$÷)%÷@)&% pFxfn] @))) af6 g]kfn

a+unfb]z a}+s ln=df cfˆgf]

a}+lsË sfo{ ;'? u/L ;f]lx a}+sdf

@) aif{sf] sfo{cg'ea / xfn

o; k|e' a}+sdf k|d'v shf{

clws[t kbdf sfd u/L /x]sf] .

–

^ >L lbg]z ysfnL k|d'v ;+rfng

clws[t

Pd=la=P= )!÷)%÷@)&% pFxfn] @))) af6 cGgk'0f{

sGh/e];g Pl/of k|f]h]S6df

cfˆgf] sfo{ ;'? u/g' eof] , lklk

k|wfg P08 sf] ;Gho rf}w/L

P08 Zofd sfsL{ P08 sf] rf68{

PsfpG6]G6df # jif{ sfd u/]sf]

cg'ej ,aˆkm]nf] a}+s -;fpy

;'bfg_ df @ jif{ sfd u/]sf]

cg'ej, ;f+lu|nf 8]enk a}+s ln=

df !) jif{ sfd u/]sf] cg'ej /

xfn o; a}+ssf] k|d'v ;+rfng

clws[t kbdf sfd u/L /x]sf] .

–

dfly pNn]lvt a+}ssf] pRr Joj:yfksLo txsf sd{rf/Lx? cGo ;+ul7t ;+3÷;+:yfx?df cfwf/e"t

z]o/wgLsf] ?kdf g/x]sf] jf cGo s'g} ;+ul7t ;+:yfdf u/]sf] nufgL dfly pNn]lvt afx]s a+}ssf]

hfgsf/Ldf gcfPsf] .

-cf_ ljj/0fkq af]8{df k|:t't ug'{ eGbf ! jif{ cufl8sf] cjlwdf lgod cg';f/ cjsfz k|fKt ePsf] cj:yf

afx]s ;+ul7t ;++:yfsf] pRr Joj:yfksLo txdf /x]sf s'g} sd{rf/L kl/jt{g ePsf]eP ;f] ;DaGwL ljj/0f

M

o; a}+ssf tTsfnLg ;xfos dxfk|aGws >L cZff]s v8\UfL ldlt @)&^÷)#÷)! b]lv a}+ssf] ;]jfdf

g/xg' ePsf] .

-O_ sd{rf/Lsf] ;+VofM :yfoL, c:yfoL, s/f/, Hofnfbf/L / cGo -cf=j= @)&%÷&^_M

20

v= ;+rfns Pj+ pRr Joj:yfksLo txsf clws[tnfO{ lbPsf] eQf tyf kfl/>lds ;DaGwL ljj/0f M

-c_ ;+rfns ;ldltsf] cWoIf nufot cGo ;b:ox?nfO{ k|bfg ul/g] jf ul/Psf] a}7s eQfsf] b/ tyf lghx?nfO{

k|bfg ul/g] jf ul/Psf] b}lgs tyf e|d0f eQf tyf cGo ;'ljwf M

!= ;+rfns ;ldltsf] a}7sdf pkl:yt eP afkt cWoIfn] kfpg] a}7s eQf k|lt a}7s ?= !@,)))÷— -afx|

xhf/_ / ;+rfnsx?n] kfpg] a}7s eQf k|lt a}7s ?= !),)))÷— /x]sf] 5 . o; jfx]s kq klqsf tyf

6]lnkmf]g vr{ jfkt cWoIfnfO{ k|lt dlxgf ?=!!,)))÷— / ;~rfns ;b:ox?nfO{ k|lt dlxgf ?=

!),)))÷— pknAw u/fOg]5 .

@= a}+ssf] sfdsf] l;nl;nfdf ;+rfnsnfO{ k|bfg ul/g] b}lgs tyf e|d0f eQf b]xfo adf]lhd x'g]5M

-c_ b}lgs eQf M a}+ssf] sfdsf] l;nl;nfdf a}+ssf] cWoIf÷;+rfns a}+ssf] /lhi68{ sfof{no /x]sf] :yfg

aflx/ hfg'kg]{ l:ylt cfPdf ;+rfnsn] b]xfo adf]lhdsf] b}lgs tyf e|d0f eQf kfpg] 5 .

-cf_ xf]6n vr{ tyfcGo vr{ jfKftsf] ;'ljwf M

kb ÷ vr{ lZfif{s If]q !

cd]l/sL 8n/

If]q @

cd]l/sL 8n/

If]q #

cd]l/sL 8n/

If]q $

ef= ? =

If]q %

g]= ?=

cWoIf÷;~rfns

-xf]6n vr{_

#))÷— @))÷— !%)÷— &%))÷— &%))÷—

cWoIf÷;~rfns

-cGo vr{_

%)÷— %)÷— %)÷— !)))÷— !)))÷—

-O_ vfgf vr{ jfktsf] ;'ljwf M

kb If]q !

cd]l/sL 8n/

If]q @

cd]l/sL 8n/

If]q #

cd]l/sL 8n/

If]q $

ef= ? =

If]q %

g]= ?=

cWoIf÷;~rfns !%)÷— !))÷— ()÷— !%))÷— !%))÷—

-O{_ pkv08 -c_ / -cf_ df pNn]v ul/P b]lv jfx]s e|d0f ubf{ nfUg] xjfO l6s6, kf;kf]6{, le;f vr{, ;Dk{s

/ kl/jxg vr{ jf:tljs vr{ cg';f/ ;f]w egf{ ul/g] 5 / e|d0f eQf ljn adf]lhd x'g]5 .

-p_ pkv08 -c_ / -cf_ df pNn]v If]q cg';f/ b]Zfx?sf] ljj/0f lgDgfg';f/ x'g]5 M

If]q ! — cd]l/sf, o'/f]lkog b]Zfx?, hfkfg, ci6]«lnof

If]q @— If]q ! tyf ;fs{ /fi6« afx]sf b]Zfx?

If]q # — g]kfn / ef/t afx]sf ;fs{ /fi6x?

If]q $— ef/t

If]q %— g]kfn

-cf_ ;+ul7t ;+:yfsf] pRr Joj:yfksLo txsf clws[tx?sf] gfd, kb / Ps cfly{s jif{sf] cjlw leq pgLx?nfO{

kfl/>ldssf] ?kdf e'Qmfg ul/Psf] /sd M -cf=j= @)&%÷&^ sf] _

l;=g+= sd{rf/Lsf] gfd kb Ps cfly{s jif{sf] cjlw leq kfl/>ldssf]

?kdf e'Qmfg ul/Psf /sd -?=_

! czf]s z]/rg k|d'v sfo{sf/L clws[t 2,29,88,592.75 @ dgL /fd kf]v/]n k|d'v Joj;fo clws[t 49,19,868.89 # Affd b]j bfxfn k|d'v kl/of]hgf clws[t 38,71,160.57

-O_ s'g} clws[t jf ;+rfnsnfO{ eljiosf] nflu s'g} /sd k|bfg ul/g] u/L s/f/ ul/Psf] eP ;f] ;DaGwL

ljj/0fM

;f] gePsf] .

:yfoL k/LIf0fsfn s/f/ cGo s'n sd{rf/L ;+Vof

!^$# $!) * – @)^!

21

*= cGtlg{lxt hf]lvd tyf ;f] sf] Joj:yfkgsf nflu Joj:yfkgsf] wf/0ff M

sDkgLsf] cGtlg{lxt hf]lvdx? lgDgfg';f/ /x]sf 5g\ .

-s_ ljQLo ;fwgsf] cefjaf6 x'g] hf]lvd M

lgIf]k tyf shf{sf] Jofhb/df cfpg] kl/jt{gaf6 x'g ;Sg] hf]lvdx? .

g]kfnsf] ahf/df x'g] cfly{s dGbLaf6 kg{ ;Sg] c;/af6 x'g ;Sg] cfly{s hf]lvdx? .

-v_ sRrf kbfy{sf] cefjaf6 x'g] hf]lvd M

;f] gePsf] .

-u_ pTkfbg jf ;]jfsf] ahf/sf] l:ylt / o;df cfpg] kl/jt{gaf6 x'g] hf]lvdM

gofF a}+s tyf ljQLo ;+:yfx?sf] k|j]zaf6 pTkGg x'g] k|lt:kwf{af6 x'g ;Sg] hf]lvdx? .

b]zsf] cfly{s cj:yfdf cfpg] ptf/ r9fjaf6 x'g ;Sg] hf]lvdx? .

-3_ cfof]hgf ;DkGg x'g l9nfO{ x'g] ;Defjgf / To;af6 x'g] d"No clea[l4sf] hf]lvdM

;f] gePsf]] .

-ª_ ljb]zL ljlgdosf] hf]lvd M

b]zsf] a}+b]lzs Jofkf/ gLltdf x'g ;Sg] kl/jt{g tyf ljb]zL d'b|fsf] ljlgdo b/df 36\a9 eO{ pTkGg x'g ;Sg]

;Defljt hf]lvdx?

-r_ sfg"gL k|lqmofx? tyf O{hfht k|fKt ug'{kg]{ eP ;f]af6 kg{ ;Sg] cj/f]wx? M

;f] gePsf] .

-5_ If]qLos/0f / ljZjJofkLs/0f -Globalization_ sf sf/0faf6 pTkGg x'g ;Sg] hf]lvd M

cGt/fl{i6«o ahf/sf] cfly{s dGbLn] k|ToIf c;/ ljQLo If]qdf kg{ ;Sg] ePsf]n] ;f]af6 x'g ;Sg] hf]lvdx? .

-h_ ;/sf/L gLlt tyf lgodx?df x'g] kl/jt{g tyf ljZjJofkL ?kdf x'g] gLltut kl/jt{gaf6 pTkGg x'g] hf]lvd M

g]kfn ;/sf/ tyf g]kfn /fi6« a}+ssf] cfly{s tyf ljQLo gLlt lgoddf x'g] kl/jt{gaf6 >[hgf x'g ;Sg]

hf]lvdx? .

b]zsf] df}lb|s gLlt nufot g]kfn /fi6« a}+sn] hf/L ug]{ lgod lgb]{zgsf] ck|Toflzt kl/jt{gaf6 l;h{gf x'g]

;Defljt hf]lvdx? .

-em_ ;+rfng cg'ejsf] cefj M

o; a}+sn] lg/Gt/ !* jif{ b]lv a}lsË ;]jf k|bfg u/L cfO/x]sf] 5 .

-`_ k|ljlwsf] kl/jt{gaf6 x'g ;Sg] hf]lvd M

a}lsË k|ljlwnfO{ r':t b'?:t /fVg ;ˆ6j]o/ tyf xf8{j]o/df ;do ;fk]If x]/km]/ ug'{kg{] ePdf yk vr{ a9\g

;Sg]5 . ;fy} a}+sn] lg/Gt/ ?kdf k|ljlw kl/jt{gaf6 l;lh{t x'g ;Sg] hf]lvdx?nfO{ dWogh/ u/L cfjZos

tflnd tyf lj1x?sf] ;'emfjx? ;do ;dodf lnO{/x]sf] .

-6_ cGo .

a}+sn] k|bfg u/]sf] shf{ tyf ;fk6 v/fa shf{df kl/0ft x'g uPdf x'g] hf]lvdx? .

b]zsf] /fhg}lts cl:y/tfaf6 cfpg ;Sg] hf]lvdx? .

k"FhL ahf/sf] cj:yfdf cfpg] ptf/ r9fjaf6 kg{ ;Sg] hf]lvdx? .

a}+sn] ;/sf/L tyf u}/ ;/sf/L lwtf]kqx?df nufgL u/]sf] x'Fbf tL nufgLdf x'g] d"No kl/jt{gsf] hf]lvd .

pk/f]Qmfg';f/sf] hf]lvdx?nfO{ Go"g jf Joj:yfkg ug]{ ;DaGwdf Joj:yfkgsf] of]hgf M

22

a}+ssf] shf{ tyf nufgL v/fa eO{ x'g ;Sg] hf]lvdx?sf] nflu a}+sn] shf{ tyf nufgL hf]lvd sf]ifsf] Joj:yf u/]sf] 5

. a}+sn] ljQ ahf/df x'g] k|lt:kwf{sf] nflu hgzlQm lasf;df cfjZos Wofg k'¥ofpg'sf] ;fy} cGo Jofj;flos

hf]lvdx?af6 l;h{gf x'g ;Sg] xfgL gf]S;fgLsf] nflu Joj:yfkg rgfvf] eO{ ;Defljt xfgL gf]S;fgL sd ug{ ;Ifd tyf

k|lta4 5 . ;fy}, cfˆgf] ;]jfnfO{ cem u'0f:t/Lo / k|lt:kwL{ agfO{ pkef]Qmfd'vL ;]jfx? k|bfg u/L dWosfnLg tyf

bL3{sfnLg shf{ ;fk6Lx? v/fa shf{df kl/0ft eO{ pTkGg x'g] hf]lvd sd ug{sf nflu a}+sn] k|efjsf/L shf{ gLlt

cjnDjg u/]sf] 5 . To:t} cGo ljleGg hf]lvdx? Go"gLs/0fsf nflu k|efjsf/L cfGtl/s lgoGq0f k|0ffnL, ;dofg';f/sf]

cfw'lgs k|ljlw, :ki6 gLlt tyf lgodx?sf] lgdf{0f Pj+ ;dofg';f/ cfˆgf] ;]jf tyf ;'ljwfx?df kl/jt{g ub}{ nlug]

a}+ssf] gLlt /x]sf] Joxf]/f hfgsf/L u/fp+5f} .

lwtf]kqsf]] d"No kl/jt{g ;DaGwL hf]lvd M

?= !,)))÷– k|lt C0fkqsf] b/n] lgisfzg ul/Psf] d"Non] ;"rLs/0f kZrft\ lwtf]kq ahf/df x'g] sf/f]jf/n] C0fkq

d"Nodf x'g ;Sg] kl/jt{gsf] hf]lvd /x]sf] 5 .

(= ljQLo ljj/0f M

ljQLo ljj/0f / tt\ ;DaGwdf Joj:yfkgsf] wf/0ff / ljZn]if0f M

s_ ;+ul7t ;+:yfsf] n]vfk/LIf0f ePsf] kl5Nnf] cfly{s jif{sf] jf;nft, gfkmf gf]S;fg lx;fa, gfkmf gf]S;fg lx;fa

afF8kmfF8 / gub k|jfx ljj/0f M

sDkgLsf] cf=j=@)&%÷&^ sf] jf;nft, gfkmf—gf]S;fg lx;fa, gfkmf—gf]S;fg afF8kmfF8 lx;fa tyf gub k|jfxsf]

ljj/0f lgDgfg';f/ 5 M–

jf;nft -cf=j= @)&%–&^_

? xhf/df

;DklQ @)&%÷&^

1 gub tyf gub ;dfg 13,792,337

2 g]kfn /fi6« a}+sdf /x]sf] df}Hbft tyf lng' kg]{ jSof}tf 8,031,269

3 a}+s tyf ljQLo ;+:yfdf /x]sf] df}Hbft -

4 8]l/e]l6e ljQLo pks/0f 4,476,352

5 cGo Jofkfl/s ;DklQx? -

6 a}+s tyf ljQLo ;+:yfnfO{ lbPsf] shf{ 3,931,927

7 u|fxsnfO{ shf{ tyf ;fk6L 85,821,176

8 lwtf]kqdf nufgL 14,448,530

9 rfn' s/ ;DklQ -

10 ;xfos sDkgLdf nufgL 116,961

11 ;Da4 sDkgLdf nufgL -

12 ;DklQdf nufgL 438,786

13 ;DklQ tyf pks/0f 2,280,262

14 u'8jLn -VoftL_ / cd"t{ ;DklQ 39,769

15 :yug s/ ;DklQ 261,996

16 cGo ;DklQ 4,246,972

s'n ;DklQ 137,886,337

bfloTj @)&%÷&^

1 a}+s tyf ljQLo ;+:yfnfO{{ ltg{ jfFsL 8,004,942

23

2 g]kfn /fi6« a}+snfO{ ltg{ jfFsL 797,272

3 8]l/e]l6e ljQLo pks/0f 4,393,479

4 u|fxsaf6 lgIf]k bfloTj 105,488,506

5 ;fk6L -

6 rfn' cfos/ bfloTj 352,998

7 Joj:yf 23,325

8 :yug s/ bfloTj -

9 cGo bfloTj 4,505,147

10 hf/L ul/Psf] C0fkq -

11 ;'/If0f g/flvPsf] cfjlBs bfloTj -

s'n bfloTj 123,565,669

k"FhL @)&%÷&^

1 z]o/ k"FhL 8,892,675

2 z]o/ lk|ldod -

3 ;+lrt d'gfkmf 1,520,915

4 hu]8f sf]ifx? 3,907,078

z]o/ wgLx?nfO{ afF8kmFf8 s"n k"FhL 14,320,667

5 u}/ lgolGqt :jfy{ -

s'n k"FhL 14,320,667

hDdf bfloTj / k"FhL 137,886,337

gfkmf–gf]S;fg lx;fa -cf=j= @)&%–&^_

? xhf/df

ljj/0f @)&%÷&^

1 Jofh cfDbfgL 10,765,064

2 Jofh vr{ 6,366,966

v'b Jofh cfDbfgL 4,398,098

3 z'Ns tyf sldzg cfDbfgL 731,924

4 z'Ns tyf sldzg vr{ 121,957

v'b z'Ns / sldzg cfDbfgL 609,968

v'b Jofh, z'Ns / sldzg cfDbfgL 5,008,066

5 v'b Jofkfl/s cfDbfgL 366,924

6 cGo ;+rfng cfDbfgL 227,530

hDdf ;+rfng cfDbfgL 5,602,520

7 shf{ hf]lvdsf] Joj:yf÷-lkmtf{_ tyf cGo gf]S;fgL 370,138

v'b ;+rfng cfDbfgL 5,232,382

;+rfng vr{ -

8 sd{rf/L vr{ 1,747,761

9 cGo ;+rfng vr{ 986,975

24

10 x|f; s6\6L / kl/iff]wg 226,915

;+rfng d'gfkmf 2,270,732

11 u}/ ;+rfng cfDbfgL 11,814

12 u}/ ;+rfng vr{ 170,417

cfo s/ cl3sf] d'gfkmf 2,112,128

cfos/ vr{ -

13 rfn' s/ 981,946

14 :yug s/ vr{÷cfDbfgL (653,411)

o; cjlwsf] d'gfkmf 1,783,593

gfkmf afF8kmfF8 - 15

a}+ssf] z]o/wgL 1,783,593 16

u}/ lgolGqt :jfy{ (Non Controlling Interest) - o; cjlwsf] d'gfkmf 1,783,593

gub k|jfxsf] ljj/0f -cf=j= @)&%–&^_

? xhf/df

ljj/0f @)&%÷&^

sf/f]jf/ ;+rfngaf6 gub k|jfx

Jofh cfDbfgL 10,395,086

z'Ns tyf cGo cfDbfgL 111,262

nfef+z k|fKtL -

cGo sf/f]jf/ ;+rfngaf6 k|fKtL 205,287

Jofh vr{ (677,883)

sldzg tyf z'Ns vr{ (121,957)

sd{rf/Lx?nfO{ gub e'QmfgL (1,331,624)

cGo vr{ 986,975

;+rfng ;DklQ / bfloTjsf] kl/jt{g cl3sf] ;+rfng gub k|jfx 2,894,197

;+rfng ;DjlGw rfn' ;DklQdf 36÷-a9_ (15,329,333)

g]kfn /fi6« a}+saf6 jfFsL /x]sf] df}Hbft (1,859,228)

a}+s tyf ljQLo ;+:yfx?df /x]sf] df}Hbft 2,215,411

cGo Jofkfl/s ;DklQ -

a}+s tyf ljQLo ;+:yfx?nfO{ lbOPsf] shf{ tyf ;fk6L (757,700)

u|fxsnfO{ lbOPsf] shf{ tyf ;fk6Ldf 36÷-a9_ (13,476,148)

cGo ;DklQ (1,451,667)

;+rfng ;DjlGw rfn" bfloTjdf -36_÷a9 20,004,777

a}+s tyf ljQLo ;+:yfx?nfO{ lbg' kg]{ jfFsL /sd 3,593,182

g]kfn /fi6« a}+snfO{ lbg' kg]{ jfFsL /sd 95,063

u|fxssf] lgIf]k 12,640,602

C0f ;fk6L -

cGo bfloTj 3,675,931

25

cfos/ cuf8Lsf] ;+rfng ultljwLaf6 v'b gub k|jfx 20,004,777

cfos/ e'QmfgL (590,375)

sf/f]jf/ ;+rfngaf6 v'b gub k|jfx 6,979,266

nufgL sf/f]jf/df gub k|jfx -

nufgL vl/b (6,412,640)

nufgL ljlqm -

l:y/ ;DklQsf] vl/b (418,604)

l:y/ ;DklQsf] ljqmLaf6 k|fKtL 28,359

cd"t{ ;DklQsf] vl/b 31,334

cd"t{ ;DklQsf] ljqmLaf6 k|fKtL -

nufgLdf ;DklQsf] vl/b -

nufgLsf] ;dklQsf] ljqmLaf6 k|fKt 20,917

Jofh cfDbfgL 42,210

nfef+z cfDbfgL 23,064

nufgL sf/f]jf/df v'b gub k|jfx (6,308,027)

ljQLo >f]t sf/f]jf/af6 gub k|jfx -

C0fkq lgisfzgaf6 k|fKtL -

C0fkqsf] e'QmfgL -

c;'/lIft bfloTjsf] lgisfzgaf6 k|fKt -

;'/If0fdf g/flvPsf] bfloTjsf] e'QmfgL -

z]o/ lgisfzgaf6 k|fKtL 10

nfef+z vr{ (34,669)

Jofh vr{ -

cGo k|fKtL÷vr{ 1,487

ljQLo >f]t sf/f]jf/af6 v'b gub k|jfx (33,172)

gub tyf gub ;dfgdf ePsf] v'b 36÷a9 638,068

gub tyf gub ;dfgdf /x]sf] z'?jftL df}Hbft 13,155,091

gub tyf gub ;dfgdf ljlgdo b/df ePsf] km/s (821)

gub tyf gub ;dfgdf /x]sf] clGtd df}Hbft 13,792,337

gf]6M NFRScg';f/ ljQLo ljj/0f tof/ kfl/Psf] x'gfn] gfkmf gf]S;fg afF8kmfF8 lx;fa ;+nUg gx'g] .

-v_ ;+rfng cjlw tLg jif{ JotLt e};s]sf] cj:yfdf ljut tLg jif{sf] / tLg jif{ JotLt e}g;s]sf] cj:yfdf ;+rfng

cjlwe/sf] n]vfk/LIf0f ePsf] gfkmf gf]S;fg, jf;nft ;lxtsf] ;+lIfKt ljQLo ljj/0f M

a}+ssf] cf=j= @)&#÷&$, @)&$÷&% / @)&%÷&^ ;Ddsf] n]vfk/LIf0f ePsf] cfiff9 d;fGtsf] ljQLo ljj/0f lgDg

adf]lhd /x]sf] 5 .

26

jf;nft

? nfvdf

;DklQ

Plss[t a}+s

&#÷&$ &$÷&% &%÷&^ &#÷&$ &$÷&% &%÷&^

gub tyf gub ;dfg 65,595 139,255 138,714 65,431 131,551 137,923

g]kfn /fi6« a}+sdf /x]sf]

df}Hbft tyf lng' kg]{ jSof}tf 91,207 61,720 80,313 91,207 61,720 80,313

a}+s tyf ljQLo ;+:yfdf /x]sf]

df}Hbft 19,083 22,154 - 19,083 22,154 -

8]l/e]l6e ljQLo pks/0f 228 34,433 44,764 228 34433 44,764

cGo Jofkfl/s ;DklQx? 590 1,509 841 - - -

a}+s tyf ljQLo ;+:yfnfO{

lbPsf] shf{ 17,946 31,818 39,319 17,946 31,818 39,319

u|fxsnfO{ shf{ tyf ;fk6L 597,021 729,902 858,212 597,021 729,902 858,212

lwtf]kqdf nufgL 88,809 80,359 145,250 88,809 80,359 144,485

rfn' s/ ;DklQ 355 430 49 329 386 -

;xfos sDkgLdf nufgL - - - 456 1,170 1,170

;Da4 sDkgLdf nufgL - - - - - -

;DklQdf nufgL 5,155 4,648 4,388 5,155 4,648 4,388

;DklQ tyf pks/0f 21,422 21,135 22,850 21,351 21,077 22,803

u'8jLn -VoftL_ / cd"t{

;DklQ 149 181 407 144 172 398

:yug s/ ;DklQ 16 - 2,712 - - 2,620

cGo ;DklQ 19,184 41,150 42,732 19,090 40,904 42,470

s'n ;DklQ 926,758 1,168,695 1,380,551 926,250 1,160,294 1,378,863 bfloTj

a}+s tyf ljQLo ;+:yfnfO{{ ltg{

jfFsL 2,152 44,118 80,049 2,152 44,118 80,049

g]kfn /fi6« a}+snfO{ ltg{ jfFsL 371 7,022 7,973 371 7,022 7,973

8]l/e]l6e ljQLo pks/0f - 34,891 43,935 - 34891 43,935

u|fxssf] lgIf]k bfloTj 812,911 928,361 1,054,285 813,495 928,479 1,054,885

;fk6L - - - - - -

rfn' s/ bfloTj - - 3,530 - - 3,530

Joj:yf 236 235 233 233 233 233

:yug s/ bfloTj 3,496 3,762 - 3,496 3,872 -

cGo bfloTj 13,603 23,733 46,360 12,992 15,977 45,051

hf/L ul/Psf] C0fkq - - - - - -

;'/If0f g/flvPsf] ;xfos

cfjlBs bfloTj - - - - - -

s'n bfloTj 832,770 1,042,122 1,236,365 832,741 1,034,592 1,235,657 k"FhL

z]o/ k"FhL 58,814 82,339 88,927 58,814 82,339 88,927

z]o/ lk|ldod 1,174 1,519 - 1,174 1,519 -

;+lrt d'gfkmf 18,843 7,607 15,135 18,821 7,736 15,209

hu]8f sf]ifx? 14,700 34,107 39,071 14,700 34,107 39,071

z]o/wgLx?nfO{ jfFkmfF8 of]Uo

s"n k"FhL 93,530 125,573 143,133 93,509 125,702 143,207

27

u}/ lgolGqt :jfy{ (Non

Controlling Interest) 458 1,000 1,053 - - -

s'n k"FhL 93,989 126,573 144,185 93,509 125,702 143,207 hDdf bfloTj / k"FhL 926,758 1,168,695 1,380,551 926,250 1,160,294 1,378,863

Gffkmf–gf]S;fg lx;fj

? xhf/df

ljj/0f

Plss[t a}+s

@)&#÷&$ @)&$÷&% @)&%÷&^ @)&#÷&$ @)&$÷&% @)&%÷&^

Jofh cfDbfgL 5,211,700 8,253,659 10,772,750 5,200,759 8,244,597

10,765,064

Jofh vr{ 2,955,664 5,420,868 6,364,599 2,957,637 5,426,595

6,366,966

v'b Jofh cfDbfgL 2,256,036 2,832,790 4,408,151 2,243,122 2,818,003

4,398,098 z'Ns tyf sldzg

cfDbfgL 520,123 614,141 731,924 520,123 614,141

731,924

z'Ns tyf sldzg vr{ 55,040 70,963 120,457 55,040 70,963

121,957 v'b z'Ns / sldzg

cfDbfgL 465,082 543,177 611,468 465,082 543,177

609,968 v'b Jofh, z'Ns /

sldzg cfDbfgL 2,721,118 3,375,968 5,019,618 2,708,204 3,361,180

5,008,066

v'b sf/f]jf/ cfDbfgL 205,259 315,249 373,311 192,667 341,154

366,924

cGo ;+rfng cfDbfgL 113,368 63,198 245,392 130,169 54,691

227,530

hDdf ;+rfng cfDbfgL 3,039,745 3,754,414 5,638,320 3,031,041 3,757,024 5,602,520 shf{ hf]lvdsf]

Joj:yf÷-lkmtf{_ tyf

cGo gf]S;fgL (1,503,433) (154,551) 370,138 (1,503,433) (154,551)

370,138

v'b ;+rfng cfDbfgL 4,543,178 3,908,965 5,268,182 4,534,474 3,911,576

5,232,382

;+rfng vr{ - - - - - -

sd{rf/L vr{ 1,133,158 1,359,222 1,760,046 1,130,095 1,348,634

1,747,761

cGo ;+rfng vr{ 561,583 625,718 993,667 558,601 617,805

986,975

x|f; s6\6L / kl/iff]wg 198,416 203,188 229,049 197,956 201,131

226,915

;+rfng d'gfkmf 2,650,022 1,720,837 2,285,420 2,647,821 1,744,006 2,270,732

u}/ ;+rfng cfDbfgL 50 6,500 11,814 50 6,500 11,814

u}/ ;+rfng vr{ 349,402 400,056 170,417 349,402 400,056 170,417 cfo s/ cl3sf]

d'gfkmf 2,300,669 1,327,281 2,126,816 2,298,469 1,350,449

2,112,128

28

cfos/ vr{ - - - - - -

rfn' s/ 255,088 280,475 984,057 256,448 288,041 981,946

:yug s/ 555,520 95,373 (651,631) 555,520 95,373

(653,411) o; cjlwsf] d'gfkmf 1,490,061 951,433 1,794,391 1,486,501 967,035 1,783,593

gfkmf afF8kmfF8 - - - - - -

a}+ssf] z]o/wgL 1,488,825 959,078 1,789,100 1,486,501 967,035 1,783,593

u}/ lgolGqt :jfy{

(Non Controlling

Interest) 1,236 (7,645) 5,291 - - - o; cjlwsf] d'gfkmf 1,490,061 951,433 1,794,391 1,486,501 967,035 1,783,593

gub k|jfxsf] ljj/0f

? nfvdf

ljj/0f

Plss[t a}+s

@)&#÷&$ @)&$÷&% @)&%÷&^ @)&#÷&$ @)&$÷&% @)&%÷&^

sf/f]jf/ ;+rfngaf6 gub k|jfx

Jofh k|flKt 48,828

80,210 104,051 48,699

80,119

103,951

z'Ns tyf cGo cfDbfgL 5,101

6,241

11,253

5,101

6,241 11,123

nfef+z k|flKt - - - - - -

cGo sf/f]jf/ ;+rfngaf6 k|flKt 1,148

171

2,210 1,264 305

2,053

Jofh e'QmfgL (29,576)

(54,209)

(63,779)

(29,576)

(54,266)

(63,779)

sldzg tyf z'Ns e'QmfgL (550)

(809)

(1,220)

(550)

(710)

(1,220)

sd{rf/Lx?nfO{ gub e'QmfgL (15,279)

(11,741)

(13,439)

(15,248)

(11,741)

(13,316)

cGo vr{ (5,618)

(6,315)

(9,967)

(5,564)

(6,196)

(9,870) ;+rfng ;DklQ / bfloTjsf]

kl/jt{g cl3sf] ;+rfng gub

k|jfx 4,053 13,549 29,110 4,125 13,753 28,942 ;+rfng ;DjlGw rfn' ;DklQdf

36÷-a9_ - (146,727) (153,405) - (145,564) (153,293) g]kfn /fi6« a}+saf6 jfFsL /x]sf]

df}Hbft (16,156)

29,487

(18,592)

(16,156)

29,487

(18,592) a}+s tyf ljQLo ;+:yfx?df /x]sf]

df}Hbft (9,962)

(3,071)

22,154

(9,962)

(3,071) 22,154

cGo Jofkfl/s ;DklQdf 51

(919)

44 - - -

29

a}+s tyf ljQLo ;+:yfx?nfO{

lbOPsf] shf{ tyf ;fk6Ldf 13,792

(13,872)

(7,577) 13,792

(13,872)

(7,577) u|fxsnfO{ lbOPsf] shf{ tyf

;fk6Ldf (173,041)

(135,372)

(134,761)

(172,457)

135,254

(134,761)

cGo ;DklQdf 8,043

(22,980)

14,585 7,869

(22,853)

(14,517) ;+rfng ;DjlGw rfn' bfloTjdf -

36_÷a9 (177,273) 166,837 193,164 (176,914) 159,115 200,048 a}+s tyf ljQLo ;+:yfx?nfO{ lbg'

kg]{ jfFsL /sd 2,152

(2,152)

35,932

2,152

(2,152)

35,932 g]kfn /fi6« a}+snfO{ lbg' kg]{ jfFsL

/sd - -

951 - - 951

u|fxssf] lgIf]k 204,087

159,685

125,923 204,087

159,101

126,406

C0f ;fk6L (152) - -

(152) - -

cGo bfloTj 5,058

9,304

30,358 6,429

2,166

36,759 cfos/ cuf8Lsf] ;+rfng

ultljwLaf6 v'b gub k|jfx 211,144 166,837 68,869 212,516 159,115 200,048

cfos/ e'QmfgL (1,919)

(3,001)

(5,925)

(1,933)

(2,937)

(5,904) sf/f]jf/ ;+rfngaf6 v'b gub

k|jfx 36,006 30,658 62,944 37,794 24,367 69,793

nufgL sf/f]jf/df gub k|jfx - - - - - -

lwtf]kq vl/b (34,791)

6,141

(64,180)

(34,791)

6,141

(64,126)

lwtf]]kq ljlqmaf6 k|fKtL - - - - - -

l:y/ ;DklQsf] vl/b (2,804)

(1,959)

(4,197)

(2,804)

(1,948)

(4,186)

l:y/ ;DklQsf] ljqmLaf6 k|fKtL 656

261 284

646

261

284

cd"t{ ;DklQsf] vl/b 36 29

313

36

29

313

cd"t{ ;DklQsf] ljqmLaf6 k|fKtL - - - - - -

nufgLdf ;DklQsf] vl/b (3,988)

508 -

(3,988)

508 - nufgLsf] ;dklQsf] ljqmLaf6

k|fKt - -

209 - -

209

Jofh cfDbfgL -

2,694 4,822 -

2,694 4,822

nfef+z cfDbfgL 37

192 231 37 192

231

nufgL sf/f]jf/df v'b gub k|jfx (40,852) 7,807 (63,145) (40,862) 7,819 (63,080) ljQLo >f]t sf/f]jf/af6 gub

k|jfx - - - - - -

C0fkq lgisfzgaf6 k|fKtL - - - - - -

C0fkqsf] e'QmfgL - - - - - -

30

c;'/lIft bfloTjsf] lgisfzgaf6

k|fKt - - - - - - ;'/If0fdf g/flvPsf] bfloTjsf]

e'QmfgL - - - - - -

z]o/ lgisfzgaf6 k|fKtL (26) 25,132

-

(26)

23,871 -

nfef+z vr{ - -

(347) - -

(347)

Jofh vr{ - - - - - -

cGo k|fKtL÷vr{ 371

6,651

15 371

6,651

15 ljQLo >f]t sf/f]jf/af6 v'b gub

k|jfx 346 31,783 (332) 346 30,522 (332) gub tyf gub ;dfgdf ePsf]

v'b 36÷a9 (4,501) 70,248 (533) (2,723) 62,708 6,381 gub tyf gub ;dfgdf /x]sf]

z'?jftL df}Hbft 68,169

65,595

139,255

66,228

65,431

131,551 gub tyf gub ;dfgdf ljlgdo

b/df ePsf] km/s 1,927

3,412

(8)

1,927

3,412

(8) gub tyf gub ;dfgdf /x]sf]

clGtd df}Hbft 65,595 139,255 138,714 65,431 131,551 1,379,234

gf]6M NFRScg';f/ ljQLo ljj/0f tof/ kfl/Psf] x'gfn] gfkmf gf]S;fg afF8kmfF8 lx;fa ;+nUg gx'g] .

-u_ cfly{s jif{ ;dfKt ePsf] ^ dlxgf kZrft ljj/0fkq :jLs[ltsf] nflu k]z u/]df pQm cGtl/d cjlwsf] nflu

n]vfk/LIfsaf6 k|dfl0ft u/]sf] ckl/is[t ljQLo ljj/0f M

jf;nft -cf=j= @)&^–&& t];|f] q}df;_

? xhf/df

;DklQ r}t d;fGt @)&^-ckl/is[t_

1 gub tyf gub ;dfg 8,814,928 2 g]kfn /fi6« a}+sdf /x]sf] df}Hbft tyf lng' kg]{ jSof}tf 8,682,549 3 a}+s tyf ljQLo ;+:yfdf /x]sf] df}Hbft - 4 8]l/e]l6e ljQLo pks/0f 4,359,353 5 cGo Jofkfl/s ;DklQx? - 6 a}+s tyf ljQLo ;+:yfnfO{ lbPsf] shf{ 3,574,301 7 u|fxsnfO{ shf{ tyf ;fk6L 99,398,286 8 lwtf]kqdf nufgL 16,702,560 9 rfn' s/ ;DklQ - 10 ;xfos sDkgLdf nufgL 116,961 11 ;Da4 sDkgLdf nufgL - 12 ;DklQdf nufgL 444,749 13 ;DklQ tyf pks/0f 2,347,993 14 u'8jLn -VoftL_ / cd"t{ ;DklQ 40,069 15 :yug s/ ;DklQ 308,969 16 cGo ;DklQ 5,795,256

s'n ;DklQ 150,585,972 bfloTj

1 a}+s tyf ljQLo ;+:yfnfO{{ ltg{ jfFsL 4,534,997

31

2 g]kfn /fi6« a}+snfO{ ltg{ jfFsL 325,945 3 8]l/e]l6e ljQLo pks/0f 4,434,031 4 u|fxsaf6 lgIf]k bfloTj 118,070,714 5 ;fk6L 0 6 rfn' cfos/ bfloTj 217,008 7 Joj:yf 23,325 8 :yug s/ bfloTj 0 9 cGo bfloTj 6,332,540 10 hf/L ul/Psf] C0fkq 1,000,000 11 ;'/If0f g/flvPsf] cfjlBs bfloTj 0

s'n bfloTj 134,938,560 k"FhL

1 z]o/ k"FhL 10,315,507 2 z]o/ lk|ldod - 3 ;+lrt d'gfkmf 798,181 4 hu]8f sf]ifx? 4,533,724 z]o/ wgLx?nfO{ afF8kmFf8 s"n k"FhL 15,647,412 5 u}/ lgolGqt :jfy{ -

s'n k"FhL 15,647,412 hDdf bfloTj / k"FhL 150,585,972

gfkmf–gf]S;fg lx;fa -cf=j= @)&^–&& t];|f] q}df;_

? xhf/df

ljj/0f r}t d;fGt @)&^-ckl/is[t_

1 Jofh cfDbfgL 8,950,983 2 Jofh vr{ (5,353,225) v'b Jofh cfDbfgL 3,597,758

3 z'Ns tyf sldzg cfDbfgL 645,461 4 z'Ns tyf sldzg vr{ (70,001) v'b z'Ns / sldzg cfDbfgL 575,460 v'b Jofh, z'Ns / sldzg cfDbfgL 4,173,218 5 v'b Jofkfl/s cfDbfgL 314,172 6 cGo ;+rfng cfDbfgL 186,315 hDdf ;+rfng cfDbfgL 4,673,706 7 shf{ hf]lvdsf] Joj:yf÷-lkmtf{_ tyf cGo gf]S;fgL (177,117) v'b ;+rfng cfDbfgL 4,496,588 ;+rfng vr{

8 sd{rf/L vr{ (1,533,448) 9 cGo ;+rfng vr{ (689,277) 10 x|f; s6\6L / kl/iff]wg (192,465) ;+rfng d'gfkmf 2,081,398 11 u}/ ;+rfng cfDbfgL 4,448 12 u}/ ;+rfng vr{ (31,042) cfo s/ cl3sf] d'gfkmf 2,054,803

32

cfos/ vr{ 13 rfn' s/ (616,441) 14 :yug s/ vr{÷cfDbfgL 25,800

o; cjlwsf] d'gfkmf 1,464,162

-3_ cfDbfgL / vr{ lx;fjsf] s'g} zLif{sdf 7"nf] dfqfdf kl/jt{g ePdf To;sf] ljZn]if0ffTds sf/0f M

;f] gePsf] .

-ª_ kl5Nnf] ljQLo ljj/0fsf] n]vfk/LIf0f eP kZrft ;+ul7t ;+:yfsf] sf/f]af/, gfkmf gf]S;fg, ;DklQsf] d"No jf cfufdL

!@ dlxgfsf] bfloTj e'QmfgLdf c;/ kg]{ u/L s'g} cj:yf l;h{gf ePsf] 5÷5}g ;f] ;DaGwdf ;+rfnsx?sf] wf/0ff M

;f] gePsf] .

-r_ cfly{s jif{ ;dfKt ePkl5 ljj/0fkq k]z u/]df, ljj/0fkq k]z u/]sf] ldltaf6 :jLs[lt x'g] ldlt;Dddf jf;nftsf]

ldlt kl5sf] 36gfsf] jf/]df 5'§} hfgsf/L M

;f] gePsf] .

-5_ ljut % jif{df ;DklQsf] k'gd"{Nof+sg ul/Psf] 5÷5}g, olb ul/Psf] eP -c_ ;DklQsf] ljj/0f, -cf_ ;DklQsf]

k"gd"{Nof+sg cl3 / kl5sf] lstfjL d"No, -O_ k"gd"{Nof+sgsf] cf}lrTo M

;f] gePsf] .

-h_ cfufdL tLg jif{sf] k|If]lkt jf;nft, gfkmf gf]S;fg lx;fasf ;fy} To;sf u0fgfsf] cfwf/x? M

a}+sn] cfkm\gf] lb3{sflng /0fgLtL cg';f/ ljQLo ljj/0fx? tof/ u/]sf] xf] . /0fgLlt agfpFbf a}+sn] z'Id?kdf ahf/

/ ;Defljt nIox?sf] cWoog u/]/ agfPsf] xf] . a}+ssf]] cfufdL # cfly{s jif{sf] nflu k|If]lkt ljQLo l:ylt b]xfo

adf]lhd /x]sf] 5 .

jf;nft

? xhf/df

;DklQ @)&^÷&& @)&&÷&* @)&*÷&(

1 gub tyf gub ;dfg 14,454,000 15,148,000 15,875,000 2 g]kfn /fi6« a}+sdf /x]sf] df}Hbft tyf lng' kg]{ jSof}tf 6,537,000 7,844,000 9,413,000 3 a}+s tyf ljQLo ;+:yfdf /x]sf] df}Hbft 2,260,000 2,305,000 2,351,000 4 8]l/e]l6e ljQLo pks/0f 4,826,000 5,202,000 5,608,000 5 cGo Jofkfl/s ;DklQx? - - - 6 a}+s tyf ljQLo ;+:yfnfO{ lbPsf] shf{ 4,337,000 4,771,000 5,248,000 7 u|fxsnfO{ shf{ tyf ;fk6L 100,592,000 122,888,000 145,339,000 8 lwtf]kqdf nufgL 14,882,000 15,328,000 15,788,000 9 rfn' s/ ;DklQ - - - 10 ;xfos sDkgLdf nufgL 117,000 117,000 117,000 11 ;Da4 sDkgLdf nufgL - - - 12 ;DklQdf nufgL 608,000 497,000 407,000 13 ;DklQ tyf pks/0f 2,394,000 2,514,000 2,640,000 14 u'8jLn -VoftL_ / cd"t{ ;DklQ 36,000 32,000 29,000 15 :yug s/ ;DklQ - - - 16 cGo ;DklQ 4,975,000 17,990,000 34,364,000

s'n ;DklQ 156,018,000 194,636,000 237,179,000

33

bfloTj @)&^÷&& @)&&÷&* @)&*÷&(

1 a}+s tyf ljQLo ;+:yfnfO{{ ltg{ jfFsL 8,805,000 9,686,000 10,655,000 2 g]kfn /fi6« a}+snfO{ ltg{ jfFsL 859,000 925,000 996,000 3 8]l/e]l6e ljQLo pks/0f 4,833,000 5,316,000 5,848,000 4 u|fxssf] lgIf]k 116,726,000 140,071,000 168,085,000 5 ;fk6L - - - 6 rfn' s/ bfloTj - - - 7 Joj:yf - - - 8 :yug s/ bfloTj - - - 9 cGo bfloTj 4,956,000 15,860,000 25,302,000 10 hf/L ul/Psf] C0fkq 3,000,000 3,000,000 3,000,000 11 ;'/If0f g/flvPsf] ;xfos cfjlBs bfloTj - - -

s'n bfloTj 139,178,000 174,858,000 213,886,000

k"FhL @)&^÷&& @)&&÷&* @)&*÷&(

1 z]o/ k"FhL 10,316,000 10,31,6000 10,316,000 2 z]o/ lk|ldod - - - 3 ;+lrt d'gfkmf 1,413,000 2,801,000 4,983,000 4 hu]8f sf]ifx? 5,111,000 6,661,000 7,995,000

s'n k"FhL 16,839,000 19,778,000 23,293,000

hDdf bfloTj / k"FhL 156,018,000 194,636,000 237,179,000

gfkmf–gf]S;fg lx;fa

? xhf/df

ljj/0f @)&^÷&& @)&&÷&* @)&*÷&(

1 Jofh cfDbfgL 13,241,000 15,624,000 18,437,000 2 Jofh vr{ 7,513,000 8,865,000 10,461,000 v'b Jofh cfDbfgL 5,728,000 6,759,000 7,976,000 3 z'Ns tyf sldzg cfDbfgL 871,000 1,036,000 1,233,000 4 z'Ns tyf sldzg vr{ 146,000 176,000 211,000 v'b z'Ns / sldzg cfDbfgL 725,000 861,000 1,023,000 v'b Jofh, z'Ns / sldzg cfDbfgL 6,453,000 7,620,000 8,998,000 5 v'b sf/f]jf/ cfDbfgL 393,000 420,000 449,000 6 cGo ;+rfng cfDbfgL 268,000 317,000 374,000 hDdf ;+rfng cfDbfgL 7,114,000 8,357,000 9,822,000 7 shf{ hf]lvdsf] Joj:yf÷-lkmtf{_ tyf cGo gf]S;fgL (285,000) 165,000 187,000 v'b ;+rfng cfDbfgL 7,399,000 8,192,000 9,634,000 ;+rfng vr{ 8 sd{rf/L vr{ 2,010,000 2,311,000 2,658,000 9 cGo ;+rfng vr{ 1,184,000 1,421,000 1,705,000 10 x\f; s6\6L / kl/iff]wg 246,000 259,000 272,000 ;+rfng d'gfkmf 3,958,000 4,200,000 4,999,000 11 u}/ ;+rfng cfDbfgL 14,000 17,000 20,000 12 u}/ ;+rfng vr{ 181,000 191,000 203,000 cfo s/ cl3sf] d'gfkmf 3,791,000 4,025,000 4,816,000 cfos/ vr{ 1,254,000 1,087,000 1,300,000

34

13 rfn' s/ 1,024,000 1,087,000 1,300,000 14 :yug s/ 230,000 - -

o; cjlwsf] d'gfkmf 2,538,000 2,939,000 35,16,000

ljQLo k|If]k0fsf cfwf/x?

k|If]lkt

ljj/0f @)&^÷&& @)&&÷&* @)&*÷&(

k'FhLsf]ifsf] cg'kft(CAR) % 13.81 13.51 13.94 clgjfo{ df}Hbft cg'kft (CRR) % 5.21 5.24 5.27 a}wflgs t/ntf cg'kft (SLR) % 27.68 24.89 22.43 s'n shf{÷lgIf]k / k'FhL (CCD)% 76.96 78.56 77.64 k|lt z]o/ cfDbfgL 24.60 28.49 34.08 k|lt z]o/ g]6jy{ 163.24 191.73 225.81 lgIf]k j[l4 10.61 19.30 19.35 crn ;Dklt j[l4 5 5 5 lgIf]kdf cf};t Aofh 7.10 7.10 7.10 C0fkqdf Aofh 10 10 10 shf{ ;fk6df cf};t Aofh 11.50 11.50 11.50 lwtf]kq nufgLdf cf};t Aofh 4.40 4.80 4.80 ;+rfng vr{df j[l4 17.86 17.45 17.69 sd{rf/L vr{df j[l4 15 15 15

k|If]lkt ljQLo ljj/0f sDkgL cfkm}n] cfˆgf] bL3{sfnlg /0fgLlt cg'?ktof/ kf/]sf] xf] . a+}sn] b]zsf] cfly{s cj:yf, a+}s

tyf ljQLo ;+:yfx?sf] cj:yf tyf ljleGg lgodgsf/L lgsfox?sf] gLlt tyf Joj:yfx?sf] ;'Id ?kdf cWoog u/]/ cfˆgf]

bL3{sfnLg /0fgLltx? tof/ u/]sf] 5 . ;f] /0fgLlt adf]lhd a+}sn] cfˆgf] zfvf ;~hfn lj:tf/ ug]{, JolQmut / ;fgf tyf

demf}nf shf{df j[l4 ug]{, Jofh /lxt tyf lgDg Jofh x'g] rNtL / jrt lgIf]kdf j[l4 ug]{, u|fxs s]Gb|Lt gofF of]hgfx?

Nofpg], cfˆgf] cfGtl/s lgoGq0f sfo{ k|0ffnLnfO{ yk r':t agfpg], sd{rf/Lx?sf] Ifdtf clej[l4df ljsf; u/L u|fxsx?sf]

klxnf] /f]hfO{sf] a+}s aGg] /x]sf] 5 . kmn:j?k, a+}sn] cfˆgf] k|If]lkt Joj;fodf j[l4 v'b d'gfkmf tyf kF"hLdf pRr k|ltkmn

lbg ;Ifd /xg] ljZjf; lnPsf 5f+} . dfly pNn]v ul/Psf] ljQLo ljj/0f tyf k|If]k0fsf] cg'dfg tyf cfwf/x? xfnsf]

ljQLo ahf/sf] l:ylt, a}ssf] xfnsf] bIftf / a}sn] k|fKt u/]sf] xfn ;Ddsf sfo{ k|ultsf] cfwf/df ;f] ljQLo ljj/0fx?

MGS & ASSOCIATES Chartered Accountants åf/f k'g/fjnf]sg u/L l7s 5 egL k|dfl0ft ul/Psf] 5 .

v= ljQLo cg'kft ;DaGwL ljj/0f M

-c_ ;+ul7t ;+:yfsf] ;+rfng cjlw tLg jif{ JotLt e};s]sf] cj:yfdf ljut tLg jif{sf] / tLg jif{ JotLt e}g;s]sf]

cj:yfdf ;+rfng cjlwsf] tyf cfufdL tLg jif{sf] k|If]lkt k|lt z]o/ cfDbfgL -EPS_ k|lt z]o/ g]6jy{ tyf

g]6jy{df cf};t k|ltkmn lgDgfg';f/ 5 .

ljj/0f

jf:tljs r}t d;fGt

@)&^

-ckl/is[t_

k|If]lkt

073/074

074/075

075/076

076/077 077/078 078/079 k|lt z]o/ cfDbfgL

?= 27.17 12.58 21.03 19.89 24.60 28.49 34.08

k|lt z]o/ g]6jy{ ?= 158.99 152.66 161.04 151.69 163.24 191.73 225.81 ;+lrt gfkmf÷

gf]S;fg -?= nfvdf_ 18,821 7,736 15,209 7,982 14,130 28,010 49,830

35

ljj/0f

jf:tljs -?= xhf/df_ k|If]lkt -?= xhf/df_

073/074 074/075 075/076 076/077 077/078 078/079

r'Qmf k'FhL 58,81,402 82,33,949 88,92,675 10,316,000 10,316,000 10,316,000

hu]8f tyf sf]ifx? 34,69,501 43,36,298 54,27,993 6,524,000 9,462,000 12,978,000

s'n 93,50,904 1,25,70,246 1,43,20,667 16,839,000 19,778,000 23,293,000

36fpg] M ckn]vg ug{

aFfsL vr{

— — — — — —

s'n g]6jy{ 93,50,904 1,25,70,246 1,43,20,667 16,839,000 19,778,000 23,293,000

z]o/ ;+Vof 58,814 82,339 88,927 103,155 103,155 103,155

k|lt z]o/ g]6jy{ ?= 158.99 152.66 161.04 163.24 191.73 225.81

k|lt z]o/ cfDbfgL 27.17 12.58 21.03 24.60 28.49 34.08

g]6jy{ cf};t k|ltkmn 15.89 7.69 12.45 15.07 14.86 15.09

lgisfzg k"j{sf] k|lt z]o/ cfDbfgL (EPS) sfod /fVg j[l4 x'g] g]6jy{df

cfjZos Go"gtd k|ltkmn k|ltztdf .

C0fkq hf/L kZrft\ o;n] g]6jy{df k|ToIf j[l4

gug]{

-cf_ ljut tLg jif{sf] g]6jy{df ePsf] cf}ift k|ltkmn M !@=)!

k|If]lkt ljQLo ljj/0f sDkgL cfkm}n] tof/ kf/]sf] xf] / ;f] ljQLo ljj/0fx? MGS & ASSOCIATES Chartered

Accountants af6 k|dfl0ft ePsf] 5 .

!)= lwtf]kq lgisfzg ;DaGwL ljj/0f M

s= lwtf]kq hf/L ug'{sf] p2]Zo M

C0fkq hf/L ug'{sf] p2]Zo a}+sn] cfkm\gf] k"FhL ;+/rgf j[l4 ug'{ / k'/s k"FhL cfjZostfnfO{ k"lt{ ug'{ /x]sf]

5 .

v= lwtf]kq lgisfzgaf6 k|fKt k"FhLsf] pkof]u M

-c_ lgisfzgaf6 k|fKt x'g] s'n /sdnfO{ k|of]u ug]{ If]q ;DaGwL ljj/0f M

o; lgisfzgaf6 k|fKt x'g] /sdnfO{ g]kfn /fi6« a+}ssf] tyf sDkgLsf] cfGtl/s lgltsf] clwgdf /lx

Aoj;fo la:tf/sf] nflu lgDg cg';f/ pkof]u ul/g]5 .

s|=z shf{ lzif{s k|ltzt /sd ?=

! shf{ tyf ;fk6 !)) @,))),))),)))

hDdf 100% 2,000,000,000

-cf_ ;fj{hlgs lgisfzg ul/g] lwtf]kq k"0f{ ?kdf laqmL gePdf ;fj{hlgs lgisfzgsf] p2]Zo k|flKt ug{sf]

nflu ckgfOg] j}slNks Joj:yf M

;fj{hlgs lgisfzg ul/g] lwtf]kq k"0f{ ?kdf laqmL gePdf ;fj{hlgs lgisfzgsf] p2]Zo k|flKt ug{sf]

nflu JolQmut tj/af6 laqmL ul/g]5 .

36

-O_ cfof]hgfsf] ;+rfng :yfg, cfof]hgf r/0fa4 ?kdf sfof{Gjog ul/g] eP k|To]s r/0fdf nfUg] vr{, s'g}

r/0f ;dfKt e};s]sf] eP ;f] ;DaGwL ljj/0f M

;f] gePsf] .

-O{_ cfof]hgf ;DkGg x'g], kl/If0f pTkfbg z'? x'g] / k"0f{ Joj;flos pTkfbg z'? x'g] cg'dflgt

ldlt M

;f] gePsf] .

-p_ ;+ul7t ;+:yfn] s'g} pks/0f vl/b u/]sf] jf ug{ nfu]sf] eP pQm pks/0fsf] d"No jf k|:tfljt

d"No, ;Knfo;{sf] gfd / ;Knfo;{;Fu ;Demf}tf ePsf] eP ;f] sf] d"Vo d"Vo a"Fbfx? M

;f] gePsf] .

-pm_ s'g} kf6L{;Fu k|ltlnkL clwsf/, 6«]8dfs{, Ohfhtkq, /f]oN6L, ;xsfo{ ;DaGwdf jf ljQLo jf k|fljlws

;Demf}tf ul/Psf] eP ;f] sf] k|d'v zt{x? / kf6L{sf] gfd, 7]ufgf ;DaGwL lj:t[t ljj/0f M

;f] gePsf] .

-P_ pTkfbg ;DaGwL cfof]hgf eP, ;f] sf] k|s[lt, k|of]ustf{, k|lt:kwf{, nlIft ;d"x, pTkfbg Ifdtf, ljut

jif{x?sf] Ifdtf pkef]u jf eljiodf ul/g] Ifdtf pkef]u ;DaGwL ljj/0f M

;f] gePsf] .

-P]_ cfof]hgfsf] nflu cfjZos sRrf kbfy{sf] pknAwtf / To;sf] >f]t M

;f] gePsf] .

-cf]_ cfof]hgfsf] nflu cfjZos x'g] ljB't, kfgL, Uof;sf] dfqf / To;sf] >f]t M

;f] gePsf] .

-cf}_ ;fj{hlgs lgisfzgsf nflu ul/g] vr{ k|d'v ?kdf b]xfodf pNn]lvt kIfx?nfO{ lbg] z'Ns ;DaGwL ljj/0f

M

-!_ lgisfzg tyf laqmL k|aGws M

o; ljj/0fkq dfkm{t ;fj{hlgs ?kn] ;j{;fwf/0fdf laqmL ul/g] C0fkqsf] lgisfzg tyf laqmL

k|aGws ;DaGwL sfo{sf nflu lgo'Qm >L glan OGe]i6d]G6 a+}lsË lnld6]8, sf7df8f}++nfO{ pQm ;]jf

k|bfg u/] jfkt Psd'i7 ?= ^,)),)))÷– -cIf]?kL 5 nfv ?k+}ofF dfq_ ;]jf z'Nssf] ?kdf lbOg]5 .

-@_ 6«i6L -l8j]Gr/ lgisfzgsf] xsdf_ M

l8a]Gr/ 6«i6Lsf] ;]jf k|bfg u/] jfkt >L glan OGe]i6d]G6 a+}lsË lnld6]8, sf7df8f}++nfO{ jflif{s ?=

!),)))÷– -cIf]?kL bz xhf/ ?k+}ofF dfq_ ;]jf z'Nssf] ?kdf lbOg]5 .

-#_ qm]l86 /]l6ª z'Ns

CARE RATINGS NEPAL LIMITED nfO{ C0fkq lgisfzgsf] nflu qm]l86 /]l6ª ;]jf k|bfg u/] jfkt

Psd'i7 ?= *,)),)))÷— -cIf]?kL cf7 nfv ?k+}ofF dfq_ / k|To]s jif{ C0fkq cjlw ;Ddsf nflu

jflif{s ;]jf z'Nssf] ?kdf aSof}tf ?= !,^),)))÷— -cIf]?kL Ps nfv ;f¶L xHff/ ?k+}ofF dfq_ b/n]]

lbOg]5 .

-$_ k|Tofe"ltstf{ M

;f] gePsf] .

-%_ lj1x? M

o; ljj/0fkqdf pNn]v ul/Psf] ljQLo ljj/0f tof/ kfg]{ k|e' a}+s lnld6]8 cfkm}+ /x]sf] 5 / o;

ljj/0fkqdf pNn]v ul/P adf]lhd tof/ ul/Psf] ljQLo ljj/0f tyf k|If]k0fsf] cg'dfg tyf cfwf/x?

k'g/fjnf]sg u/L ;f] cfwf/df tof/ ljQLo k|If]k0fsf ljj/0f oyf{y k/s /x]sf] egL k|dfl0ft ug]{

ljz]if1df MGS & ASSOCIATES Chartered Accountants sf >L w'|j clwsf/LHo /xg' ePsf] 5 .

pQm sDkgLnfO{ ;]jf k|bfg u/] jfkt ?= ^),))) -;f¶L xHff/ ?k+}ofF dfq_;]jf z'Nssf] ?kdf

lbOPsf] 5 .

-^_ n]vfk/LIfs M

cf=j= @)&%÷&^ df o; a+}ssf] n]vfk/LIfsdf K.A.S. ASSOCIATES Chartered Accountants lgo'Qm

ul/Psf] 5 . pQm sDkgLnfO{ ;]jf z'Ns afkt ? !$,)),)))÷— -cIf]?kL r}fWf nfv ?k+}ofF dfq_

lbOPsf] 5 .

37

-&_ cGo M ;f] gePsf] .

u ;fj{hlgs lgisfzgaf6 k|fKt /sdnfO{ kl/of]hgfdf k|of]u ug{ k"j{ cGo s'g} Joj:yf ug{ nfluPsf] 5 eg] tt\

;DaGwL ljj/0f M

;f] gePsf] .

3 lk|ldoddf lwtf]kq hf/L ug]{ ePdf lk|ldod yKg' kg]{ sf/0f / cf}lrTo M

lk|ldod yk gul/Psf]] .

ª lwtf]kqsf] afF8kmfF8, lkmtf{ e'QmfgL tyf ;"rLs/0f ;DaGwL Joj:yf M

-c_ cToflws dfu jf Go"g dfu ePsf] cj:yfdf afF8kmFf8sf] k|s[of,

o; ljj/0fkq dfkm{t hf/L ul/Psf] C0fkq hf/L ;+Vof eGbf a9L ;+Vofdf C0fkq vl/bsf] nflu b/vf:t

k|fKt x'g cfPdf g]kfn lwtf]kq af]8{sf] k|rlnt lwtf]kq lgisfzg tyf aFf8kmFf8 lgb]{lzsf, @)&$ df ePsf]

Joj:yf cg';f/ C0fkqx? afF8kmFf8 ul/g]5 / C0fkq afF8kmfF8 ;DaGwL ;"rgf /fli6«o :t/sf] b}lgs

klqsfdf k|sflzt ul/g]5 . olb lgisfzg ul/Psf] C0fkqsf] ;+Vof eGbf sd C0fkq vl/bsf] nflu b/vf:t

k|fKt x'g cfPdf g]kfn lwtf]kq af]8{sf] k|rlnt Joj:yf tyf lgb]{zg adf]lhd ;~rfns ;ldltn] lg0f{o

u/L laqmL ljt/0f tyf afF8kmfF8 ul/g]5 .

-cf_ cToflws dfu ePsf] jf afF8kmfF8 gePsf] cj:yfdf lkmtf{ e'QmfgL ;DaGwL Joj:yf M

ælwtf]kq vl/b -;fj{hlgs lgisfzg_ ;DaGwL lgb]{lzsf, @)&#Æ cg'?k l;–cf:af (C - ASBA) ;b:o a}+s

tyf ljQLo ;+:yfaf6 dfq cfj]bg lbg ;Sg]5 / cfj]bsx?sf] ;DjlGwt a}+s tyf ljQLo ;+:yfn] g}

afF8kmfF8df gkg]{ nufgLstf{sf] lwtf]kq vl/bsf] cfj]bg adf]lhd /f]Ssf /fv]sf] vftfsf] /sd dfq /f]Ssf

km's'jf ul/lbg]5 .

-O_ lgj]bg ;fy k|fKt /sdsf] lkmtf{ e'QmfgLdf l9nfO{ ePdf lbOg] Jofhb/ M

pk/f]Qm Aoj:yf l;–cf:af (C - ASBA) ;b:o a}+s tyf ljQLo ;+:yfaf6 cfj]bg lbg] cfj]bsx?sf] xsdf

nfu' x'g] 5}g .

-O{_ lwtf]kq afF8kmFf8 tyf k|df0fkq hf/L ;DjGwL k|s[of / ;dofjlw M

lgisf;g ul/g] ;fwf/0f z]o/ k|rlnt lwtf]kq lgisf;g lgb]{lzsf, tyf k|rlnt z]o/ afF8kmfF8 ;DjGwL

Joj:yf cg';f/ l8a]Gr/sf] afF8kmfF8 u/L tf]lsPsf] ;dofjlw leq l8Dof6 vftfdf hDdf ul/g]5 .

-p_ lwtf]kq ;"rLs/0f eO{ ;s]sf] eP, To:tf] lwtf]kq ;"lrs/0f ul/Psf] lwtf]kq ahf/sf] gfd / lwtf]kqsf]

sf/f]jf/ z'?x'gsf] nflu ;+ul7t ;+:yfn] k"/f ug{'kg]{ zt{x? ;DjGwL ljj/0f M

>L g]kfn :6s PS;r]Gh lnld6]8df o; a}ssf] z]o/ ldlt @)^!÷)(÷!# ut] ;"lrs/0f eO{ sf/f]af/

eO/x]sf] 5 . o; ljj/0fkq dfkm{t lgisfzg ul/g] C0fkq g]kfn lwtf]kq af]8{af6 l:js[t eP kZrft

lgodfg';f/ ;"lrs/0f ul/g] 5 .

-pm_ lwtf]kq ;"rLs/0f e}g;s]sf] eP, ;+ul7t ;+:yfn] lgisfzg tyf laqmL ul/g] lwtf]kq k|rlnt P]g lgod

cg';f/ ;xh vl/b, laqmL jf ljlgdo x'g ;Sg] u/fpgsf nflu ul/g] Joj:yf ;DjGwL ljj/0f M

o; ljj/0fkq dfkm{t lgisfzg ul/g] C0fkq lwtf]kq btf{ tyf lgisfzg lgodfjnL, @)&# tyf k|rlnt

lwtf]kq lgisfzg tyf afF8kmfF8 lgb]{lzsf, @)&$ ;DaGwL Joj:yf cg';f/ C0fkqsf] afF8kmfF8 u/] kZrft

g]kfn :6s PS;r]Gh lnld6]8 tyf l;l8P; P08 lSnol/Ë lnld6]8df k|lrlnt Joj:yf cg';f/ ;"lrs/0f

tyf btf{ u/fO{ C0fkq vl/b tyf /fkm;fkmsf] nflu cfjZos Joj:yf ldnfO{g]5 .

r= k|Tofe"lt ;DaGwL ljj/0f M

-c_ lwtf]kq k|Tofe"lt ug]{ ;+ul7t ;+:yfsf] gfd, 7]ufgf / k|Tofe"lt ug]{ lwtf]kqsf] ;+Vof / /sd

;f] gePsf] .

-cf_ lwtf]kq k|Tofe"ltstf{;Fu ul/Psf] ;Demf}tfsf] d'Vo d'Vo a'Fbfx?

;f] gePsf] .

5= cfj]bg lbFbf Wofg lbg'kg]{ s'/fx? M

;j{;fwf/0fsf] xsdf M

-c_ lwtf]kqjfnfsf] clwsf/ tyf k|ltjGwfTds Joj:yfx? h:t} dtflwsf/, nfef+z, xsk|b z]o/, lwtf]kqjfnfsf]

clwsf/df kl/jt{g ug]{ k|s[of tyf lwtf]kqsf] vf/]hL cflb ;DjGwL ljj/0f M

38

lwtf]kqjfnfsf] clwsf/ tyf k|ltjGwfTds Joj:yfx? h:t} dtflwsf/, lwtf]kqjfnfsf] clwsf/df kl/jt{g

gug{ k|s[of tyf lwtf]kq vf/]hL cflb ;DjGwL Joj:yf k|rlnt sfg"g adf]lhd x'g]5÷ul/g]5 .

;fy} o; ljj/0f–kq cg';f/ lgisfzg ul/Psf] C0fkq vl/bsf] nflu cfj]bg u/L C0fkq afF8kmfF8 eP

kZrft\ sfod C0fkqwgLx?n] sDkgLsf] ;fwf/0f ;efdf efu lng / dtbfg ug{ kfpg] 5}gg\ .

-cf_ lgodfjnL, k|jGwkq k|fKt ug]{ jf x]g{ ;lsg] 7fpF, e'QmfgL ug]{ tl/sf, lng'kg]{ Go"gtd lwtf]kq ;+Vof / ;f]

eGbf dfly lng] ePdf s'g u'0ff‹df lng ;lsg] xf] ;f] ;DjGwL ljj/0f M

!= a}+ssf] k|aGw—kq tyf lgodfjnL /lhi68{ sfof{no sf7df08f} lhNnf, aa/dxn, sf7df08f}, g]kfndf /

o; lgisfzg sfo{sf nflu lgo'Qm lwtf]kq lgisfzg tyf laqmL k|aGws >L glan OGe]i6d]G6 a+}lsË

lnld6]8, gS;fn, sf7df8f}++}+df sfof{no ;doleq ;Dks{ /fvL k|fKt ug{ ;lsg]5 .

@= k|To]s cfj]bsn] sDtLdf @% lsQf / clwsQd #,)),))) lsQf l8a]Gr/ vl/bsf nflu cfj]bg lbg'kg]{5

. Go"gtd lsQf eGbf a9L lsQfsf nflu cfj]bg ug{ rfx]df ! cÍn] efuhfg] ;+Vofdf clwsQd

#,)),))) lsQfsf] l;df leq cfj]bg ug{ ;lsg]5 .

#= o; ljj/0fkq dfkm{t lgisfzg ul/g] l8a]Gr/ vl/bsf nflu b/vf:t lbFbf b/vf:tjfnfn] b/vf:t ;fy

cfkm"n] vl/b ug{ rfx]sf] C0fkq ;+Vofsf] k|lt C0fkq jfkt ?= !,)))÷–sf b/n] x'g cfpg] Psd'i6

/sd o; lgisfzgsf] nflu tf]lsPsf] l;–cf:af (C - ASBA) ;b:o /x]sf] a+}s tyf ljQLo ;+:yfdf hDdf

u/L cfj]bg lbg ;Sg]5g\ .

-O_ cfj]bg lbFbf kfng ug{'kg]{ zt{ aGb]hx? M

!= s'g} klg g]kfnL gful/s tyf ;+ul7t ;+:yfn] o; ljj/0fkq cg';f/ hf/L ul/g] C0fkq vl/b ug{ cfj]bg

lbg ;Sg]5g\ .

@= b/vf:t lbFbf l;–cf:af (C-ASBA) ;b:o a}+s tyf ljQLo ;+:yf dfkm{t cfj]bg kmf/d a'emfpg kg]{5 /

;f]xL ;+:yfaf6 pknAw u/fO{g] cfj]bg kmf/ddf pNn]lvt ;Dk'0f{ ljj/0fx? :ki6 ?kdf pNn]v ug'{kg]{5

. ;f] ;DaGwL cGo k|s[of tyf z'Ns ;DaGwL Aoj:yf ;DalGwt l;–cf:af (C-ASBA) ;b:o a}+s tyf

ljQLo ;+:yfn ] cfˆgf] sfof{nosf] ;"rgf kf6L, j]a;fO{6 jf /fli6«o:t/sf] b}lgs kqklqsfdf k|sflzt u/L

tf]s]adf]lhd x'g]5 .

#= cfj]bsx?n] cfj]bg lbFbf cf:jf ;b:o a}+sx?df /x]sf] cfj]bg jfktsf] /sd /f]Ssf /flvg] vftf cGo s'g}

k|sf/n] /f]Ssf /x]sf] jf lglis|o /x]sf] x'g'x'b}g .

$= Ps JolQmn] cfkm"n] vl/b ug{ rfx]sf] C0fkqsf] nflu Ps eGbf a9L b/vf:t lbg] kfOg] 5}g . olb Ps

JolQmsf] gfddf Ps eGbf a9L cfj]bg k|fKt x'g cfPdf ;Dk"0f{ b/vf:tnfO{ /2 ul/g]5 .

%= l/tk"j{s k|fKt gePsf] b/vf:t kmf/dnfO{ C0fkq afF8kmfF8df ;dfj]z ul/g] 5}g / ;f] sf] lhDd]jf/

b/vf:tjfnf :jo+ x'g]5 .

= lwtf]kq vl/bsf] nflu b/vf:t lbFbfsf] cj:yfdf jf b/vf:t lbO{;s]kl5 vl/b u/]sf] lwtf]kq jfktsf]

/sd e'QmfgL gx'Fb} k|rlnt sfg'g adf]lhd clwsf/ k|fKt clwsf/L jf lgsfoaf6 nufgLstf{sf] vftf

/f]Ssf /fVg] cfb]z k|fKt ePdf lgZsfzg tyf ljs|L k|aGwsn] To:tf] b/vf:t kmf/dnfO{ /2 ul/g] xF'bf ;f]

s'/fsf] hfgsf/L cfj]bs :jo+n] a'em\g' kg]{5 .

&= ?= %,)),)))÷– ;Ddsf] nflu cfj]bg lbg] cfj]bsn] :j]lR5s ?kdf / ;f]eGbf a9L /sdsf] nflu cfj]bg

lbg] cfj]bsn] clgjfo{ ?kdf cfj]bgdf cfkm\gf] :yfoL n]vf gDa/ (PAN) v'nfpg'kg]{5 . o; cltl/Qm

?= %,)),)))÷– jf ;f]eGbf a9L /sd cfj]bg lbg] cfj]bsx?n] cfkm"n] cfj]bg lbFbf hDdf u/]sf] /sd

;DklQ z'4Ls/0f P]gsf] alv{nfk x'g] u/L cfh{g gu/]sf] egL pb\3f]if0f ug'{kg]{5 .

JolQmut tj/ (Private Placement) sf] xsdfM

-c_ lgisfzg ul/g] l8a]Gr/ ;+Vof

cf7 jif{ cjlw tyf jflif{s !) k|ltzt Jofhb/ ePsf] k|lt l8a]Gr/ ?= !,)))÷— c+lst d"Nosf !@ nfv

lsQf l8a]Gr/n] x'g cfpg] s'n ?= ! ca{ @) s/f]8 C0fk"FhL /sd ljleGg JolQm jf ;+3 ;+:yfx?nfO{

JolQmut tj/ (Private Placement) af6 laqmL ul/g] .

39

-cf_ lng'kg]{ Go"gtd l8a]Gr/ ;+Vof / b/vf:t ;fy k7fpg' kg]{ k]ZsL /sdM

o; ljj/0fkq dfkm{t lgisfzg ul/g] l8a]Gr/ vl/bsf nflu b/vf:t lbFbf b/vf:tjfnfn] sDtLdf @% /

;f]eGbf a9Lsf nflu cfj]bg ug{ rfx]df ! cÍn] efuhfg] ;+Vofdf b/vf:t;fy cfkm"n] vl/b ug{ rfx]sf]

C0fkq ;+Vofsf] k|lt C0fkq jfkt ?= !,)))÷—sf b/n] x'g cfpg] Psd'i6 /sd o; lgisfzgsf] nflu

o; a+}ssf] ;Dk"0f{ zfvf sfof{nox? tyf laqmL k|aGws >L glan OGe]i6d]G6 a+}lsË lnld6]8df hDdf u/L

cfj]bg lbg ;Sg]5g\ .

-O_ l8a]Gr/ laqmL v'Nnf cjlw M

o; lgisfzg JolQmut tj/af6 ul/g] ePsf]n] lwtf]kq af]8{af6 :jLs[lt kZrft v'Nnf x'g]5 / ;fj{hlgs

lgisfzg ;+u} aGb x'g]5 .

-O{_ l8a]Gr/ vl/bsf nflu k'0f{ cfj]bg k|fKt geO{ afFsL /xg uPsf l8a]Gr/x?sf] ljs|L ug]{ ;DaGwL Joj:yf

M

l8a]Gr/ vl/b v'Nnf cjlwdf ;Dk"0f{ l8a]Gr/ laqmL geO{ afFsL /xg uPdf To;/L afFsL /xg uPsf

l8a]Gr/x?sf] ;DaGwdf ;fj{hlgs lgisfzg ug{ nfluPsf] l8a]Gr/sf] ;fj{hlgs lgisfzg -Public Issue_

dfkm{t laqmL ul/g]5 .

-p_ l8a]Gr/ vl/b ug{ rfxg] cfj]bsx?n] kfngf ug{‘kg{] d'Vo s'/fx? M

!= s'g} klg g]kfnL gful/s tyf ;+3 ;+:yfn] o; ljj/0f cg';f/ hf/L ul/g] C0fkq vl/b ug{ cfj]bg lbg

;Sg]5g\ . cfj]bsn] cfkm'n] lng rfx]sf] C0fkq, clwstd l;df v'Ng] u/L olx a}+ssf] laqmL k|jGwsnfO{

lnlvt ?kdf lgj]bg k]z ug'{kg]{ 5 .

@= cfj]bg lbFbf cfkm'n] vl/b ug{ rfx]sf] C0fkq ;+Vof / To;sf] /sd v'nfO{ cfj]bg lbg'kg]{5 .

#= cfj]bg kmf/d g]kfnL jf c+u|]hL s'g} Ps efiffdf k]z ug'{kg]{5 .

$= cfj]bsn] cfj]bg;fy cfkm'n] vl/b ug{ rfx]sf] C0fkq ;+Vofsf] k|lt C0fkq ?= !,)))÷— sf] b/n] x'g

cfpg] /sd a/fa/sf] glan OGe]i6d]G6 a}lsË lnld6]8sf] gfddf lvlrPsf] Psfp06 k]oL r]s ;+nUg

ePsf] x'g'kg]{5 . o;/L r]s dfkm{t /sd a'´fpg' x'g] cfj]bsx?n] cfj]bgdf ;f] r]ssf] gDa/ / r]ssf]

k5fl8 cfj]bssf] gfd clgjfo{ ?kdf v'nfpg' kg]{5 . o;sf] cnfjf, lgj]bsn] glan OGe]i6d]G6 a}lsË

lnld6]8sf] gfddf A/C Transfer u/L Credit Advice lgj]bgsf] ;fydf ;+nUg klg ug{ ;Sg]5 .

%= sDkgL jf ;+:yfn] C0fkqsf nflu cfj]bg lbFbf sDkgL jf ;+:yfsf] btf{ k|df0fkqsf] k|ltlnlk / nufgL

ug]{ ;DaGwdf ;+rfns ;ldltsf] lg0f{o ;dfj]z u/]sf] x'g'kg]{5 .

^= ?= %,)),)))÷– ;Ddsf] nflu cfj]bg lbg] cfj]bsn] :j]lR5s ?kdf / ;f]eGbf a9L /sdsf] nflu

cfj]bg lbg] cfj]bsn] clgjfo{ ?kdf cfj]bgdf cfkm\gf] :yfoL n]vf gDa/ (PAN) v'nfpg'kg]{5 . o;

cltl/Qm ?= %,)),)))÷– jf ;f]eGbf a9L /sd cfj]bg lbg] cfj]bsx?n] cfkm"n] cfj]bg lbFbf hDdf

u/]sf] /sd ;DklQ z'4Ls/0f P]gsf] alv{nfk x'g] u/L cfh{g gu/]sf] egL pb\3f]if0f ug'{kg]{5 .

!!= ;DalGwt kIf aLrsf] sf/f]jf/ ;DaGwL ljj/0f M

sDkgL / lgDglnlvt kIf aLr ljut @ jif{sf] cjlwdf s'g} k|sf/sf] j:t'ut sf/f]jf/ ePsf] jf s'g} sf/f]jf/ ug{

k|:tfj ul/Psf] eP sf/f]af/df ;+nUg JolQmx?sf] gfd, ltgLx?sf] ;+:yf;Fusf] ;DaGw, sf/f]jf/sf] k|s[lt / /sd

;DaGwL ljj/0fM

-s_ ;+ul7t ;+:yfsf] sfo{sf/L clws[t jf ;+rfnssf] ?kdf /x]sf] JolQm M

sf/f]jf/ gePsf] .

-v_ cfwf/e"t z]o/wgL M

sf/f]jf/ gePsf] .

40

-u_ v08 -s_ / -v_ df pNn]lvt s'g} JolQmsf] Psf3/ kl/jf/sf] ;b:o M

sf/f]jf/ gePsf] .

-3_ ;+ul7t ;+:yfsf] sfo{sf/L clws[t jf ;+rfns jf cfwf/e"t z]o/wgLn] #) k|ltztjf ;f] eGbf a9L

dtflwsf/ x'g] u/L z]o/ :jfldTj u|x0f u/]sf] sDkgL jf ;+ul7t ;+:yf M

sf/f]jf/ gePsf] .

-ª_ ;+ul7t ;+:yfsf] jf o;sf] ;xfos sDkgLn] xfnsf] ;+rfns jf lghsf] Psf3/ kl/jf/sf] ;b:osf nflu s'g}

sf/f]af/ jf ;Demf}tf u/]sf] 5 eg] ;f] jf ljj/0fkq k|sfzg ug'{ eGbf # jif{ cufl8sf] cjlwdf ljQLo

;+:yfsf]] ;+rfns jf ;+rfnssf] Psf3/ kl/jf/sf] ;b:osf nflu s'g} sf/f]af/ jf ;Demf}tf u/]sf] eP ;f]

s'/f M

sf/f]jf/ gePsf] .

-r_ s'g} ;+rfns jf ;+rfnssf] Psf3/ kl/jf/sf] ;b:onfO{ s'g} C0f lbPsf] jf lgh;Fu lnPsf] eP pQm C0f

;DaGwL lj:t[t ljj/0f h:t} C0f afkt lnPsf] /sd, C0fsf] Jofhb/, C0f lnPsf] ldlt, C0f e'QmfgL cjlw

cflbsf] ljj/0f M

sf/f]jf/ gePsf] .

!@= ljb]zL nufgL / Joj:yfkg ;DaGwL ljj/0f M

;f] gePsf] .

!#= ;"rLs[t ;+ul7t ;+:yfn] ;fj{hlgs lgisfzg ug]{ ePdf ;f] ;DaGwL ljj/0f M

-s_ ;+ul7t ;+:yfsf] ljut # cf=j=sf] k|To]s q}dfl;s cjlwsf] pRrtd, Go'gtd / clGtd ahf/ d"Nosf ;fy}

sf/f]jf/ ePsf] z]o/ ;+Vof M

ljj/0f Go"gtd d'No clwsQd d'No clGtd d'No

sf/f]jf/ ePsf] z]o/ ;+Vof

-? xhf/df_

rf}yf] q}df; @)&%÷&^ 251 298 266 14,562 t];|f] q}df; @)&%÷&^ 206 251 249 7,043 bf];|f] q}df; @)&%÷&^ 238 257 245 8,004 klxnf] q}df; @)&%÷&^ 177 254 241 7,585 rf}yf] q}df; @)&$÷&% 175 250 187 4,576 t];|f q}df; @)&$÷&% 196 251 220 4,168 bf];|f] q}df; @)&$÷&% 248 391 250 6,385 klxnf] q}df; @)&$÷&% 347 418 378 5,960 rf}yf] q}df; @)&#÷&$ 388 460 406 10,940 t];|f] q}df; @)&#÷&$ 281 445 429 17,104 bf];|f] q}df; @)&#÷&$ - - - - klxnf q}df; @)&#÷&$ 363 438 438 18 gf]6 M z]o/sf] cBfalws ahf/ d"No g]kfn :6s PS;r]Gh lnld6]8n] k|sflzt ug]{ ahf/ d"No ;"lr dfkm{t\ hfgsf/L lng ;lsg]5 .

-v_ lwtf]kq af]8{df ljj/0fkq btf{sf nflu k|:t't ug'{eGbf ^ dlxgf cufl8sf] cjlwsf] dflzs ?kdf pRr, Go"g /

clGtd d"Nosf ;fy} k|To]s dlxgfdf sf/f]af/ ePsf] s'n lbg / s'n sf/f]af/ ePsf] lwtf]kqsf] ;+Vof M

ljj/0f Go"gtd d'No clwstd d'No clGtd d'No

sf/f]jf/ ePsf]

lwtf]kqsf] ;+Vof

sf/f]af/ ePsf] s'n

lbg

r}t @)&^ 212 245 225 8,00,542 6 kmfNu'g @)&^ 240 292 244 43,42,063 19 df3 @)&^ 238 270 243 27,83,696 21 Kff}if @)&^ 219 247 239 12,32,069 21

41

gf]6 M z]o/sf] cBfalws ahf/ d"No g]kfn :6s PS;r]Gh lnld6]8n] k|sflzt ug]{ ahf/ d"No;"lr dfkm{t\ hfgsf/L lng ;lsg]5 .

!$= kl5Nnf] ;fj{hlgs lgisfzgsf] cg'dfg tyf pknAwL ;DaGwL ljj/0f M

o; a+}sn] xsk|b Zf]o/ lgisfzg ubf{ a'emfPsf] ljj/0fkqdf k|:t't k|If]lkt ljQLo ljj/0f g]kfn /fi6« a+}ssf] k'/fgf] sfo{

tflnsf cg';f/ k|:t't ul/Psf] / xfnsf] jf:tljs ljQLo ljj/0f NFRS cg';f/ k|:t't ul/Psf] x'gfn] tn pNn]v ul/Psf]

c+sx? km/s kg{ uPsf] Jojx/f hfgsf/L u/fpb5f} .

jf;nft

?= xhf/df

k"FhL tyf bfloTj

cfly{s jif{ @)&$÷&% km/s k|ltzt

-Ü_ s}lkmot jf:tljs k|If]lkt

!= z]o/ k"FhL 8,233,948.52 8,233,963.00

@= hu]8f tyf sf]ifx? 4,746,797.24 4,318,319.00 9.92

#= l8a]Gr/ tyf aG8 - -

$= ltg{ afFls shf{ ;fk6 - -

%= lgIf]k bfloTj 97,961,873.48 95,000,000.00 3.12

^= e'QmfgL lbg'kg]{ ljnx? 45,846.46 42,561.00 7.72

&= k|:tfljt gub nfefFz - -

*= cfos/ bfloTj - -

(= cGo bfloTj 1,597,701.22 1,197,583.00 33.41 AC sf] /sddf

kl/eflift sd{rf/L

nfeof]hgf ;DaGwL

bfloTj ;fo nfdf]

ljbfsf] nflu ePsf]

Joj:of jf:tljs

ljQLo ljj/0fdf

;dfj]z ul/Psf]

h'g k|If]lktdf

;+DnUg gul/Psf]

s'n k"FhL tyf bfloTj 112,586,166.92 108,792,426.00 3.49

;DklQ

!= gub df}Hbft 13,155,090.52 3,917,842.00 235.77

@= g]kfn /fi6« a}+sdf /x]sf]

df}Hbft 6,172,041.02 6,650,000.00 (7.19)

#= a}+s / ljQLo ;+:yfdf /x]sf]

df}Hbft 2,215,410.51 2,375,000.00 (6.72)

$= dfu tyf cNk ;"rgfdf

k|fKtx'g] /sd - 3,325,000.00 -

%= nufgL 8,617,646.39 15,729,426.00 (45.21)

^= shf{ ;fk6 tyf ljn vl/b 76,172,040.71 71,686,390.00 6.26

&= l:y/ ;DklQ 2,124,974.50 2,104,200.00 0.99

*= u}/ a}lsÍ ;DklQ - -

(= cGo ;DklQ 4,128,963.28 3,004,568.00 37.42

s'n ;DklQ 112,586,166.92 108,792,426.00 3.49

d+l;/ @)&^ 221 232 225 6,97,289 22 sflt{s @)&^ 225 272 227 14,20,454 16 cflZjg @)&^ 257 275 265 10,92,325 17

42

gfkmf gf]S;fg lx;fj

?= xhf/df

ljj/0f

cfly{s jif{ @)&$÷&% km/s k|ltzt

-Ü_ s}lkmot jf:tljs k|If]lkt

!= Jofh cfDbfgL 8244597.451 7,072,666 (14.21)

@= Jofh vr{ 5426594.895 3,723,712 (31.38) lgIf]ksf] Johb/df ePsf]

36a9sf] sf/0fn] ubf{ km/s

kg{ uPsf] .

v'b Jofh cfDbfgL 2818002.556 3,348,954 18.84

#= sldzg tyf l8:sfpG6 543177.491 227,486 (58.12) sldzg tyf l8:sfpG6 /

cGo ;+rfng cfDbfgL

aLrdf k'g{juL{ s/0f ePsf]

$= cGo ;+rfng cfDbfgL 395844.305 473,868 19.71

%= ;6xL 36j9 cfDbfgL 202,600

s"n ;+rfng cfDbfgL 3757024.352 4,252,908 13.20

^=sd{rf/L vr{ 1348633.8 896,038 (33.56) NFRS cGtu{t ljQLo

vr{x? jf:tljs ljQLo

ljj/0fdf ;dfj]z ul/Psf]

h'g k|If]lkt ljj/0fdf

;dfj]z gePsf]

&= cGo ;+rfng vr{ 818936.23 879,394 7.38

*=;6xL 36j9 gf]S;fg -

;Defljt gf]S;fgL Joj:yf cl3sf]

;~rfng d'gfkmf

1589454.322 2,477,476 55.87

(=;Defljt gf]S;fgL Joj:yfx? 154551.213 120,205 (22.22) gub tyf gub ;dfg

cGtu{t gub tyf () lbg

leq k|fKt x'g] gub ;dfg

;Dklt ;d]t df NFRS

schedule ;dfj]z ePsf]n]

;~rfng d'gfkmf 1744005.535 2,357,271 35.16

!)=u}/ ;~rfng cfDbfgL /

gf]S;fg

393556.19 45,191

!!=;Defljt gf]S;fgL Joj:yfaf6

lkmtf{

688,865

lgoldt sf/f]jf/af6 ePsf]

d'gfkmf

1350449.345 3,091,328 128.91 k'g{juL{s/0fsf] sf/0fn] ubf{

u}/ ;~rfng cfDbfgL tyf

gf]s;fgL c;fdfGo

sf/f]jf/af6 ePsf] vr{ .

!@=c;fdfGo sf/f]jf/x?af6 ePsf]

d'gfkmf/vr{

(128,425)

;Dk"0f{ sf/f]jf/ ;dfj]z kl5sf]

v'b d'gfkmf

1350449.345 2,962,903 119.40

!#= sd{rf/L af]g; Joj:yf 269,355

43

!$= cfos/ Joj:yf 383414.5 798,712 108.32 k'g{juL{s/0fsf] sf/0fn] ubf{

u}/ ;~rfng cfDbfgL tyf

gf]s;fgL c;fdfGo

sf/f]jf/af6 ePsf] vr{ .

o; jif{sf] s/ Joj:yf 501,388

o; jif{sf] :yug s/ cfDbfgL /

vr{

-

ljut jif{;Ddsf] s/ Joj:yf 297,324

v'b gfkmf÷ -gf]S;fg_ 967034.845 1,894,836 95.94

jf;nft

?= xhf/df

k"FhL tyf bfloTj

cfly{s jif{ @)&%÷&^ km/s k|ltzt

s}lkmot

jf:tljs k|If]lkt -Ü_

!= z]o/ k"FhL 8,892,675 8,892,665

@= hu]8f tyf sf]ifx? 3,907,078 5,291,307 -26.16

#= l8a]Gr/ tyf aG8 - 1,000,000

$= ltg{ afFls shf{ ;fk6 - 772,429

%= lgIf]k bfloTj 105,488,506 106,500,000 -0.95

^= e'QmfgL lbg'kg]{ ljnx? - 77,639

&= k|:tfljt gub nfefFz - -

*= cfos/ bfloTj 352,998 771,812

(= cGo bfloTj 19,245,080 2,167,344

AC sf] /sddf kl/eflift

sd{rf/L nfeof]hgf ;DaGwL

bfloTj ;fo nfdf] ljbfsf] nflu

ePsf] Joj:of jf:tljs

ljQLo ljj/0fdf ;dfj]z

ul/Psf] h'g k|If]lktdf ;+DnUg

gul/Psf]

s'n k"FhL tyf bfloTj 137,886,337 125,473,196 9.89

;DklQ

!= gub df}Hbft 13,792,337 2,831,217 387.15

@= g]kfn /fi6« a}+sdf

/x]sf] df}Hbft 8,031,269 6,390,000 25.68

#= a}+s / ljQLo ;+:yfdf

/x]sf] df}Hbft - 1,597,500

$= dfu tyf cNk

;"rgfdf k|fKtx'g] /sd - 1,856,756

%= nufgL 15,004,276 14,096,671 6.44

^= shf{ ;fk6 tyf ljn

vl/b 89,753,103 89,105,220 0.73

&= l:y/ ;DklQ 2,320,031 2,029,087 14.34

44

*= u}/ a}lsÍ ;DklQ - 467,896

(= cGo ;DklQ 8,985,320 7,098,850 26.57

s'n ;DklQ 137,886,336 125,473,196 9.89

gfkmf gf]S;fg lx;fj

?= xhf/df

ljj/0f cfly{s jif{ @)&%÷&^

km/s

k|ltzt s}lkmot

jf:tljs k|If]lkt -Ü_

!= Jofh cfDbfgL 10,765,064 10,398,531 3.40

@= Jofh vr{ 6,366,966 5,882,832 7.60 lgIf]ksf] Johb/df ePsf]

36a9sf] sf/0fn] ubf{ km/s kg{

uPsf] .

v'b Jofh cfDbfgL 4,398,098 4,515,700 -2.67

#= sldzg tyf l8:sfpG6 731,924 288,946 60.52 sldzg tyf l8:sfpG6 / cGo

;+rfng cfDbfgL aLrdf k'g{juL{

s/0f ePsf]

$= cGo ;+rfng cfDbfgL 227,529 514,137 -

125.97

%= ;6xL 36j9 cfDbfgL 366,924 291,154 20.65

s"n ;+rfng cfDbfgL 5,724,475 5,709,936 0.25

^=sd{rf/L vr{ 1513080 1,318,442 12.86

NFRS cGtu{t ljQLo vr{x?

jf:tljs ljQLo ljj/0fdf ;dfj]z

ul/Psf] h'g k|If]lkt ljj/0fdf

;dfj]z gePsf]

&= cGo ;+rfng vr{ 1335847 946,322 29.16

*=;6xL 36j9 gf]S;fg -

;Defljt gf]S;fgL Joj:yf

cl3sf] ;~rfng d'gfkmf 2,875,548 3,445,172 -19.81

(=;Defljt gf]S;fgL

Joj:yfx? 370138 695,345 -87.86

gub tyf gub ;dfg cGtu{t

gub tyf () lbg leq k|fKt x'g]

gub ;dfg ;Dklt ;d]t df

NFRS schedule ;dfj]z ePsf]n]

;~rfng d'gfkmf

!)=u}/ ;~rfng cfDbfgL /

gf]S;fg -158,603 45,645 128.78

!!=;Defljt gf]S;fgL

Joj:yfaf6 lkmtf{ 446,218

lgoldt sf/f]jf/af6 ePsf]

d'gfkmf 2,346,807 3,241,690 -38.13

k'g{juL{s/0fsf] sf/0fn] ubf{ u}/

;~rfng cfDbfgL tyf gf]s;fgL

c;fdfGo sf/f]jf/af6 ePsf] vr{

.

!@=c;fdfGo sf/f]jf/x?af6

ePsf] d'gfkmf / vr{ -394,500

;Dk"0f{ sf/f]jf/ ;dfj]z

kl5sf] v'b d'gfkmf 2,346,807 2,847,190 -21.32

45

!#= sd{rf/L af]g; Joj:yf 234,681 258,835 -10.29

!$= cfos/ Joj:yf 328,535 648,272 -97.32

k'g{juL{s/0fsf] sf/0fn] ubf{ u}/

;~rfng cfDbfgL tyf gf]s;fgL

c;fdfGo sf/f]jf/af6 ePsf] vr{

.

o; jif{sf] s/ Joj:yf 981,946 771,812 21.40

o; jif{sf] :yug s/ cfDbfgL

/ vr{ -653,411 -123,540 81.09

ljut jif{;Ddsf] s/ Joj:yf - -

v'b gfkmf÷ -gf]S;fg_ 1,783,591 1,940,083 -8.77

!%= k/fdz{bftf÷ljz]if1 ;DaGwL ljj/0f M

-s_ n]vfk/LIfs÷ k|d'v a}+s, lgisfzg sfo{ ;+u ;+nUg a}+s, k|If]klt ljQLo ljj/0f 7Ls 5 egL k|dfl0ft ug]{ lj1

cflbsf] gfd tyf 7]ufgf

n]vfk/LIfs M

sDkgLsf] cf=j= @)&%÷&^ sf] cfDbfgL vr{ lx;fa tyf jf;nftsf] n]vfk/LIf0f s]=P=P; Pzf]l;o6\;sf, rf6{8{

PsfpG6]G6\;\n] u/]sf] 5 . pQm cfly{s jif{sf] n]vfk/LIfssf] k|ltj]bg o; ljj/0f kq ;fy ;+Ung ul/Psf] 5 .

lgisfzg a}+s (Bankers to the Issue) M

o; ljj/0fkq dfkm{t lgisflzt C0fkqx?sf] nflu lgisfzg a}+s (Banker to the Issue) sf] ?kdf k|e' a}+s

lnld6]8nfO{ tf]lsPsf] 5 .

ljQLo k|If]k0fsf] ljj/0f tof/ kfg]{ lj1 M

o; ljj/0fkqdf pNn]v ul/Psf] ljQLo ljj/0f tof/ kfg]{ lj1df lgisfzg sDkgL cfkm}+ /x]sf] 5 .

ljQLo k|If]k0fsf] cg'dfg tyf cfwf/x? k'g/fjnf]sg u/L ljj/0f 7Ls 5 egL k|dfl0ft ug]{ lj1M

o; ljj/0fkqdf pNn]v ul/P adf]lhd tof/ ul/Psf] ljQLo ljj/0f tyf k|If]k0fsf] cg'dfg tyf cfwf/x?

k'g/fjnf]sg u/L ;f] cfwf/df tof/ ul/Psf ljQLo k|If]k0fsf ljj/0f oyfy{k/s /x]sf] egL k|dfl0ft ug]{

ljz]if1df MGS & ASSOCIATES Chartered Accountants, sf >L w'|j clwsf/LHo" /xg' ePsf] 5 .

-v_ dfly v08 -s_df pNn]lvt ;+:yf jf JolQm;Fu ePsf] ;xdltsf d'Vo d'Vo a"Fbf tyf zt{x? M

n]vfk/LIfs M

n]vfk/LIfsn] a+}ssf] cf=j= @)&%÷&^ sf] n]vfk/LIf0f u/L k|ltj]bg k]z ug]{ .

lgisfzg a}+s (Bankers to the Issue)M lkmtf{ e'QmfgL ubf{ s'g} k|sf/sf] ´G´6 gxf]; eGg] ;d]t p2]Zon] lgisflzt C0fkqdf nufgLstf{x?af6 k|fKt

nufgL /sd lgisfzg a}+s (Bankers to the Issue) df vf]lnPsf] C0fkq vftfdf hDdf u/L ;f] sf] ;+o'Qm ;'/If0f

lgisfzg sDkgL tyf lwtf]kq lgisfzg tyf laqmL k|aGwssf] /xg]5 .

!^= kl/of]hgf ;DkGg ug{sf] nflu ;fj{hlgs lgisfzg afx]s cGo ljQLo>f]tx? k|of]u ul/Psf] 5÷5}g, tt\ ;DaGwL

ljj/0f M

;f] gePsf] .

!&= d'2f tyf ljjfb ;DaGwL ljj/0f M

-s_ ;+ul7t ;+:yfsf] t/ntf, df}Hbft, sfo{ ;+rfngdf tflTjs c;/ kg]{ vfnsf] s'g} d'2fdfldnf jf ljjfb eP ;f]

;DaGwL ljj/0f tyf pk/f]Qm d'2f jf ljjfbsf] sf/0faf6 kg{ ;Sg] k|efj ;DaGwdf Joj:yfkgsf] wf/0ff M

;f] gePsf] .

-v_ ;+ul7t ;+:yfnfO{ c;/ kg]{ u/L ;+:yfsf] ;+:yfks÷;+rfnsn] jf nfO{ bfo/ ul/Psf] d'2f ;DaGwL ljj/0f M

;f] gePsf] .

-u_ ljut kfFr jif{df ;+ul7t ;+:yfsf] s'g} ;+:yfks÷;+rfns sfnf];"rLdf k/]sf] jf s'g} g}lts jf cfly{s sf/0faf6 s'g}

lgodg lgsfo jf cbfntn] ;hfo u/fPsf] eP, To:tf] ;+:yfks÷;+rfnssf] gfd / ;hfo ug]{ lgodg lgsfo jf

cbfntsf] gfd ;DaGwL ljj/0f M

46

;f] gePsf] .

-3_ ;+ul7t ;+:yf a}+s jf ljQLo ;+:yfdf C0f glt/L l8kmN6 ePsf], lgod cg';f/sf] z'Ns glt/]sf], lwtf]kqjfnfx?sf]

s'g} /sd e'QmfgL gul/Psf] eP tT;DaGwL ljj/0f M

;f] gePsf] .

!*= u'gf;f] ;'Gg] / ;dfwfg ug]{ k|s[of M

lgisflzt lwtf]kq ;DaGwL nufgLstf{x?sf] u'gf;f] tyf ;'emfj ;'Gg tyf ;f] sf] ;dfwfgsf nflu lwtf]kq lgisfzg

tyf laqmL k|aGws glan OGe]i6d]G6 a}+lsË lnld6]8, gS;fn, sf7df08f}+df >L ?k]z sfsL{nfO{ )!—$$!! )$ df ;Dk{s

ug{ ;lsG5 .

!(= gub glnO{ s;}nfO{ lwtf]kq lgisfzg ul/Psf] 5 eg] To:tf] JolQm jf ;d"xsf] gfd, vl/b ul/Psf] ;DklQ jf ;]jf

;DaGwL ljj/0f, lgisfzg ul/Psf] lwtf]kqsf] ;+Vof / b/ ;DaGwL ljj/0f M

;f] gePsf] .

@)= C0fkq lgisfzg ;DaGwL ljj/0f M

-s_ o; ljj/0f–kqdfkm{t lgisfzg ug{ nfluPsf] æk|e' a}+s l8a]Gr/ @)*$Æ ;DaGwL ljj/0f b]xfo adf]lhd /x]sf] 5M

-c_ C0fkq lgisfzgsf] zt{, aGb]hx? M

C0fkq lgisfzg ;DaGwL zt{ / aGb]h o; ljj/0fkqsf] a'Fbf gDa/ !)-5_ df 5 .

-cf_ C0fkqsf] cjlw (Maturity Period) M o; C0fkqsf] cjlw C0fkqsf] afF8kmfF8 ePsf] lbgaf6 * -cf7_ jif{sf] x'g]5 . ;f] cjlw kZrft sDkgLn]

o; C0fkqsf] ;fFjf / clGtd ls:tfsf] ltg{ AfFfsL Jofh /sd Psd'i6 e'QmfgL ug]{5 .

-O_ lgisfzg ul/g] C0fkqsf] /sd M

cf7 jif{ cjlw tyf jflif{s !) k|ltzt Jofhb/ ePsf] k|lt l8a]Gr/ ?=!,)))÷— c+lst d"Nosf * nfv

l8a]Gr/n] x'g cfpg] s'n ?= *) s/f]8 C0fk"FhL /sd -%Ü cyf{t $),))) lsQf ;fd'lxs nufgL sf]ifsf

nflu 5'§ofO{Psf] ;d]t_ ;j{;fwf/0f g]kfnLsf] nflu, ;fj{hlgs lgisfzgaf6 laqmL ul/g] tyf !@ nfv lsQf

l8a]Gr/n] x'g cfpg] s'n ?= ! ca{ @) s/f]8 C0fk"FhL /sd ljleGg JolQm jf ;+3 ;+:yfx?nfO{ JolQmut

tj/ (Private Placement) af6 laqmL ul/g] .

-O{_ C0fkq ;fwf/0f z]o/df kl/jt{g x'g] jf gx'g] M

o; ljj/0fkq cg';f/ lgisfzg ul/g] C0fkq * -cf7_ jif{sf] cjlw kZrft Psd'i6 ?kdf lkmtf{ ul/g]

ePsfn] pQm C0fkq ;fwf/0f z]o/df kl/0ft gx'g] .

-p_ C0fkqsf] Jofhb/ (Coupon Interest Rate) / Jofh e"QmfgL ug]{ cjlw÷;do (Interest Payment Period) M

o; C0fkqsf] jflif{s Jofhb/ !)% x'g]5 . o; C0fkqdf cflh{t Jofh /sd C0fkq afxsx?nfO{ k|To]s

cfly{s jif{sf] k|yd q}df; -cflZjg d;fGt_, bf]>f] q}df; -kf}if d;fGt_, t]>f] q}df; -r}q d;fGt_ / rf}yf]

q}df; -cfiff9 d;fGt_ ;dfKt eP kZrft k|rlnt cfos/ P]g, cg';f/ cfos/ s6\6f u/L e'QmfgL lbOg]5 .

a}+ssf] sf/0fn] Jofh e'QmfgLsf] ljifodf ePsf] Joj:yfsf] kfngf geP a}+snfO{ yk cfly{s bfloTj nfu' x'g

;Sg]5 . t/ aGb, x8tfn, skmo'{, nufot s'g}klg lsl;dsf b}jL k|sf]ksf sf/0fn] a}+sn] e'QmfgL lbg g;s]df

a}+s lhDd]jf/L x'g]5}g . a}+sn] o; C0fkqaf6 cflh{t Jofh /sd C0fkqafnfx?sf] l8Dof6 vftfdf pNn]v

u/]sf] a}+s vftfdf jf C0fkqafnfn] tf]s]sf] vftfdf e'QmfgL ug]{5 .

-pm_ C0fkq e'QmfgL hu]8f sf]if (Debenture Redemption Reserves) ;DaGwL Joj:yf M

a}+sn] C0fkqnfO{ lgwf{l/t * jif{sf] ;dofjlwdf lkmtf{ e'QmfgL ug{sf nflu “C0fkq e'QmfgL hu]8f sf]if” (Debenture Redemption Reserve) sf] Joj:yf ug]{5 . C0fkqsf] cjlwdf a}+ssf] e'QmfgL of]Uo d'gfkmfaf6

C0fkq lgisfzg ePsf] cfly{s jif{ / e'QmfgL x'g] cfly{s jif{ afx]sf cGo cfly{s jif{df k|To]s jif{ jflif{s

d'gfkmfaf6 ;dfg'kflts ?kdf jf g]kfn /fi6« a}+sn] tf]s] adf]lhdsf] b/n] x'g] /sd C0fkq e'QmfgL hu]8f

sf]ifdf /sfGt/ ug]{5 . a}+sn] s'g} cfly{s jif{df rfx]cg'?k gfkmf cfh{g ug{ g;s]df ;d]t ;f] sf]ifdf

/sdfGt/ ug'{kg]{ /sd ;l~rt d'gfkmfaf6 5'§\ofpg]5 .

gf]6 M C0fkqsf] cjlwdf a}+ssf] gfkmf gf]S;fg lx;faaf6 C0fkq lgisfzg ePsf] cfly{s jif{ / e'QmfgL x'g]

cfly{s jif{ afx]ssf cGo cfly{s jif{df k|To]s jif{ jflif{s ;dfg'kflts ?kdf ? ##,##,##,###=##÷– sf] b/n]

x'g] /sd C0fkq e'QmfgL hu]8f sf]ifdf /sdfGt/ ug]{5 .

a}+sn] cf=j= @)&^÷&&, @)&&÷&*, @)&*÷&( df gfkmf gf]S;fg lx;faaf6 /sdfGt/ ug]{ C0fkqsf],

“C0fkq e'QmfgL hu]8f sf]if” sf] ljj/0f b]xfo adf]lhd /x]sf] 5 .

47

ljj/0f @)&^÷&& @)&&÷&* @)&*÷&(

C0fkq e'QmfgL hu]8f sf]if

!)=@%Ü k|e' a}+s l8a]Gr/—@)*^ 100,000,000 100,000,000 100,000,000

k|e' a}+s l8a]Gr/ @)*$* - 333,333,333.33 333,333,333.33

*o; ljj/0fkq dfkm{t lgisfzg ug{ nfluPsf] C0fkq .

-P_ C0fkqjfnfx?sf] clwsf/ M

o; ljj/0fkq dfkm{t lgisfzg x'g] C0fkq vl/b ug]{ C0fkqjfnfx?nfO{ sDkgL P]g, @)^# tyf cGo k|rlnt

sfg"g adf]lhd C0fkqjfnfnfO{ k|fKt x'g] ;Dk"0f{ xs, ;'ljwf k|fKt x'g]5 . t/ To:tf C0fkqjfnfx?nfO{

;fwf/0f ;efdf pkl:yt x'g] tyf dtbfg ug]{ clwsf/ x'g] 5}g .

-v_ ;+ul7t ;+:yfsf] ;DklQdf C0fkqjfnfsf] xs ;DaGwL ljj/0fM

o; ljj/0fkq dfkm{t lgisfzg x'g] C0fkq a}+ssf] ;DklQ ;'/If0f g/fvL lgisfzg ul/Psf] c;'/lIft C0f (Unsecured

Debt) ePsf] / sy+sbflrt a}+s 6f6klN6Pdf cGo ;'/lIft ;fx" / lgIf]kstf{ eGbf kl5 dfq e'QmfgLdf k|fyldstf

x'g] u/L lgisfzg ul/Psf] ;xfos C0f (Subordinated Debt) ePsf] x'Fbf k|rlnt sfg"gn] k|bfg u/]sf] afx]s sDkgLsf]

;DklQdf C0fkqjfnfsf] s'g} lglb{i6 xs -Specific charge_, clwsf/ x'g] 5}g . o; ljj/0fkq dfkm{t lgisfzg ul/g]

C0fkqwgLsf] a}+ssf] ;DklQdf l4tLo xs x'g]5 . a}+ssf] ;DklQdf lgIf]kstf{sf] k|yd xs nfUg]5 . a}+ssf] ;DklQ

dWo] k|yd xsjfnfsf] /sd r}t d;fGt @)&^ df ?= !=!* va{ /x]sf] 5 .

-u_ C0fkq 6«i6Lsf] ?kdf sfo{ ug]{ ;+:yfsf] gfd, 7]ufgf tyf sDkgL / 6«i6LaLr ePsf] ;Demf}tf (Trustee Deed) sf

k|d'v a'Fbfx?M

C0fkq lgisfzg ubf{ 6«i6L lgo'Qm ug'{ kg]{ Joj:yf cg'?k ldlt @)&^÷)*÷!! df ;Dem}tf eO{ lgDgfg';f/ C0fkq

6«i6Lsf] Joj:yf ul/Psf] 5 .

-c_ C0fkq 6«i6Lsf] ?kdf sfo{ ug]{ ;+:yfsf] gfd tyf 7]ufgf M

C0fkq 6«i6Lsf] ?kdf sfo{ ug]{ ;+:yfdf g]kfn lwtf]kq af]8{af6 lgisfzg tyf laqmL k|aGwssf] k|df0f—kq k|fKt

lwtf]kq Joj;foL >L glan OGe]i6d]G6 a+}lsË lnld6]8, gS;fn, sf7df8f+} /x]sf] 5 .

-cf_ C0fkq 6«i6L eP afkt lng] ;]jf z'Ns M

o; ljj/0f–kqdfkm{t ;j{;fwf/0fdf tyf JolQmut tj/af6 ljleGg JolQm jf ;+3 ;+:yfx?nfO{ laqmL ul/g]

C0fkqsf] 6«i6Lsf] ?kdf lgo'Qm >L glan OGe]i6d]G6 a+}lsË lnld6]8, sf7df8f+}+nfO{ lghn] pQm ;]jf k|bfg u/]

jfkt aflif{s ?= !),)))÷– -cIf]?kL bz xhf/ ?k+}ofF dfq_ /sd 6«i6L ;]jf pknJw u/fPsf] ;dofjlwsf nflu

;]jf z'Nssf] ?kdf lbOg]5 .

-O_ C0fkq 6«i6Lsf] ?kdf sfo{ ug]{ ;+:yfn] tf]s]sf] ;Dks{ JolQmsf] gfd tyf kb of]Uotf tyf cg'ej M

C0fkq 6«i6Lsf] ?kdf sfo{ ug]{ ;+:yfn] pQm sDkgLsf] dr]{G6 a+}lsË ljefudf >L ;'d]z axfb'/ kf08]nfO{ ;Dks{

JolQmsf] ?kdf tf]s]sf] 5 . >L kf08]sf] Pd=la=P;= ;Ddsf] z}lIfs of]Uotf / sl/j # aif{ eGbf a9Lsf] ljQLo

If]qsf] sfof{g'ej xfl;n ug'{ ePsf] 5 .

-O{_ C0fkq 6«i6Lsf] ?kdf sfo{ ug]{ ;+:yfn] ;DalGwt kIfsf] u'gf;f ;'Gg] / ;dfwfg ug]{ ;DaGwdf u/]sf] Joj:yf M

C0fkq 6«i6Lsf] ?kdf sfo{ ug]{ ;+:yfn] ;DalGwt kIfsf] u'gf;f ;'Gg] / ;f] sf] ;dfwfg ug]{ ;DaGwdf tf]lsPsf]

;Dks{ JolQm dfkm{t jf C0fkq 6«i6Lsf] ?kdf sfo{ ug]{ ;+:yfsf] sfof{no dfkm{t cfjZos Joj:yf u/]sf] 5 .

;fy} u'gf;fx? lnlvt ?kdf C0fkq 6«i6Lsf] ?kdf sfo{ ug]{ ;+:yfdf hDdf u/fpg' kg]{5 .

-p_ C0fkq lgisfzg ug]{ a}+s / C0fkqjfnfx?sf] lxt ;+/If0f ug{ 6«i6Lsf] ?kdf sfd ug]{ C0fkq 6«i6L aLr sDkgL

P]g, @)^# adf]lhd ;D´f}tf ePsf] s'/f M

C0fkq lgisfzg ug]{ sDkgL / C0fkqjfnfx?sf] lxt ;+/If0f ug{ 6«i6Lsf] ?kdf sfd ug]{ C0fkq 6«i6L aLr

sDkgL P]g, @)^# df ePsf] Joj:yf cg'?k ;D´f}tf ul/Psf] 5 .

48

-pm_ C0fkq 6«i6Lsf] clwsf/ / bfloTj, C0fkq 6«i6Ln] hfFra'´ ug{ / ljj/0f dfu ug{ ;Sg], C0fkq 6«i6LnfO{

C0fkqjfnfx?sf] clwsf/ x'g] cflb Joj:yfx? sDkgL P]g, @)^# cg'?k ePsf] s'/f M

C0fkq 6«i6Lsf] clwsf/ / bfloTj, C0fkq 6«i6Ln] hfFra'´ ug{ / ljj/0f dfu ug{ ;Sg], C0fkq 6«i6LnfO{

C0fkqjfnfx?sf] clwsf/ x'g] cflb Joj:yfx? sDkgL P]g, @)^# cg'?k ul/Psf] 5 .

-P_ C0fkq 6«i6L / a}+s aLr ePsf] ;D´f}tfsf] k|lt g]kfn lwtf]kq af]8{df btf{ ul/Psf] s'/f M

C0fkq 6«i6L / sDkgL aLr ePsf] ;D´f}tfsf] k|lt g]kfn lwtf]kq af]8{df btf{ ul/Psf] 5 .

-P]_ C0fkq 6«i6L / a}+s aLr ePsf] ;D´f}tf tyf cGo cfjZos Joj:yfx? C0fkqjfnfn] x]g{ jf hfGg rfx]df ;f]

pknAw u/fpg] ;DaGwdf ul/Psf] Joj:yf M

C0fkq 6«i6L / sDkgL aLr ePsf] ;D´f}tf tyf cGo cfjZos Joj:yfx? C0fkqjfnfn] x]g{ jf hfGg rfx]df

C0fkq 6«i6L jf sDkgLsf] /lhi68{ sfof{nodf jf lwtf]kq lgisfzg tyf laqmL k|aGwssf] /lhi68{ sfof{nodf

sfof{no ;do leq ;Dks{ /fvL x]g{ jf hfGg ;lsg] Joj:yf ul/Psf] 5 . C0fkq 6«i6Lsf] ?kdf sfo{ ug]{ ;+:yfdf

g]kfn lwtf]kq af]8{af6 lgisfzg tyf laqmL k|aGwssf] k|df0f—kq k|fKt lwtf]kq Joj;foL, sf7df8f+} /x]s]f 5 .

-c+f]_ cGo M

C0fkq 6«i6Ln] l8a]Gr/jfnfx?sf] lxt ;+/If0f ug]{ .

sDkgLn] C0fkq 6«i6LnfO{ cfˆgf] ljQLo sf/f]jf/sf] kl/is[t cfly{s ljj/0f cfly{s jif{ ;dfKt ePsf] ^

dlxgfleq clgjfo{ ?kdf k7fpg' kg]{ .

C0fkq 6«i6Ln] sDkgLn] :yfkgf u/]sf] C0fkq e'QmfgL hu]8f sf]if (Debenture Redemption Reserve) sf] cg'udg

ug]{ .

sDkgLn] k'gM csf]{ C0fkq lgisfzg ug'{ k/]df C0fkq 6«i6Lsf] k"j{ :jLs[lt lng' kg]{ .

-3_ kl/jt{gzLn C0fkq hf/L ul/g] ePdf C0fkqsf] kl/jt{g cg'kft, d"No, lk|ldod tyf kl/jt{g ldlt, dtflwsf/sf]

Joj:yf M

;f] gePsf]

-ª_ C0fkq hf/L ug'{sf] p2]Zo tyf ;DkGg x'g] sfo{ of]hgf M

C0fkq hf/L ug'{sf] p2]Zo a}+sn] cfkm\gf] k"FhL ;+/rgf j[l4 ug'{ / k'/s k"FhL cfjZostfnfO{ k"lt{ ug'{ /x]sf]

5 .

-r_ hf/L k"FhL r'Qmf eP÷gePsf] M

hf/L k"FhL ;Dk"0f{ r'Qmf ePsf] .

-5_ o; eGbf cuf8L hf/L ePsf] C0fkqsf] laj/0f

!_ !)=@%% k|e' a}s l8a]Gr/ @)*^ sf] ljj/0fM

gfd M !)=@%Ü k|e' a}s l8a]Gr/ @)*^

Jofh M !)=@%% jflif{s Jofhb/, ^÷^ dlxgfdf e'QmfgL ul/g]

k|sf/ M Unsecured and Redeemable at Maturity. No call / convertible feature

;+Vof M !),)),)))-bz nfv dfq_

C0fkqsf] k|lt z]o/ d'No M ? !)))

l8a]Gr/ cjlw M !) jif{

-h_ g]kfn /fi6« a}+sn] l8a]Gr/ hf/L ug{sf nflu lbPsf] zt{x?

g]kfn /fi6« a+}sn] l8a]Gr/ hf/L ug{sf nflu lbPsf zt{x? lgDgg';f/ /x]sf 5g\ .

!_ s'g} klg ;'/If0f g/fvL æk|e' a}+a l8a]Gr/ @)*$Æ lgisfzg ug{'kg]{ .

@_ C0fkqsf] cjlw * jif{sf] x'g] .

#_ C0fkqsf] jflif{s Jofhb/ !) k|ltzt x'g'kg]{, C0fkqdf k|bfg ul/g] Jofh #÷# dlxgfdf e'QmfgL ug'{kg]{ / cflh{t

Jofh /sddf cfos/ P]g cg';f/ nfUg] Joj:yf ug'{kg]{ .

49

$_ a+}s lj36g ePsf] cj:yfdf æk|e' a}+a l8a]Gr/ @)*$Æ sf] e'QmfgL lgIf]kstf{ eGbf kl5dfq x'g] .

%_ æk|e' a}+a l8a]Gr/ @)*$Æ hf/L ePsf] ldltn] a9Ldf # dlxgf leqdf g]kfn :6s PS;r]Grdf ;"rLs[t ug{'kg]{ .

^_ k|e' a+}s lnld6]8 afx]s cGo a+}s tyf ljQLo ;+:yfaf6 pQm l8a]Gr/ lwtf] /fvL C0f lng ;lsg] Joj:yf ug{'kg]{ .

&_ æk|e' a}+a l8a]Gr/ @)*$Æ lgisfzg ug{' cl3 ljj/0fkq o; a+}sdf btf{ u/L k|sfzg ug{'kg]{ .

*_ l8a]Gr/sf] /sd e'QmfgL ug{ k|of]hgsf] nflu a}+ssf] jflif{s d'gfkmfaf6 pQm a08 lgisfzg ul/Psf] cfly{s jif{ /

e'QmfgL x'g] cfly{s jif{ afx]ssf 5 jif{df ;dfg'kflts (Proportionate) cfwf/df ? @)) s/f]8 a/fa/sf] /sd

e'QmfgL sf]if Capital Redemption Reserve sf] Joj:yf ug'{kg]{ . ;fy} gfkmf cj:yfdf d'gfkmfaf6 5'6\ofpg'kg]{

/sd Joxf]g]{ >f]t :ki6 ?kdf ljj/0fkqdf pNn]v x'g'kg]{ .

(_ Private Placement sf] cfwf/df ljqmL ul/g] l8a]Gr/sf] ;DaGwdf s'g} ;+3÷;+:yf;Fu clu|d s'g} ;Demf}tf ePsf] eP

;f] ;Demf}tfsf] k|dfl0ft k|ltlnlk o; a+}sdf k]z ug{'kg]{ .

!)_ olb s'g} kIfn] ;f] kIfnfO{ 5'6\ofPsf] C0fkq vl/b gu/]df ;f] C0fkq csf]{ kIfnfO{ vl/b ug]{ Joj:yf ug{'kg]{ .

-em_ cGo M

of] C0fkq k|e' a}+s lnld6]8 afx]s cGo a}+s jf ljQLo ;+:yfdf lwtf] /fvL C0f lng ;lsg]5 .

C0fkqsf] Jofh e'QmfgL]] ug]{ :yfg M a}+sn] o; C0fkqaf6 cflh{t Jofh /sd C0fkqafnfx?sf] l8Dof6 vftfdf

pNn]v u/]sf] a}+s vftfdf jf C0fkqjfnfn] tf]lsPsf] vftfdf e'QmfgL ug]{5 .

lgisflzt C0fkq vl/b ug]{ C0fkq afxsnfO{ sDkgL P]g, @)^# tyf cGo k|rlnt sfg"g adf]lhd k|fKt x'g]

;Dk"0f{ xs, ;'ljwf k|fKt x'g]5 . t/ ;fwf/0f ;efdf pkl:yt x'g] tyf dtbfg ug]{ clwsf/ eg] /xg] 5}g .

o; C0fkqnfO{ ;fwf/0f z]o/df kl/jt{g ug]{ jf Cumulate ug]{ ljz]iftf g/x]sf] .

lgisflzt hDdf ?= @,)),)),)),)))÷–-?= b'O{ ca{ dfq_ C0fkq dWo] ?= !,@),)),)),)))÷–-? Ps ca{ aL;

s/f]8 dfq_ a/fj/sf] C0fkq JolQmut tj/af6 / ?= *),)),)),)))÷–-?= c;L s/f]8 dfq_ a/fa/sf] C0fkq

;j{;fwf/0fdf lgisfzg ul/]g]5 . Pp6f ;d"xsf] C0fkqsf] nflu lgisfzg cjlwleq k"0f{ ?kdf dfu gcfPsf]

v08df ;f] ;d"xsf] C0fkq csf]{ ;d"xdf x:tfGt/0f x'g] k|fjwfg /x]sf] 5 .

sy+sbflrt a}+s 6f6kN6]df o; ljj/0f–kq dfkm{t\ lgisflzt C0fkqsf] e'QmfgL lgIf]kstf{x? eGbf k5fl8 dfq

x'g]5 .

@!= cu|flwsf/ z]o/ lgisfzg ;DaGwL ljj/0f M

;f] gePsf] .

@@= cGo ;fdfGo hfgsf/L M

-s_ ljz]if1sf] s'g} /fo ePdf, ;f] sf] ljj/0fM

o; ljj/0fkqdf pNn]v ul/P adf]lhd tof/ ul/Psf] ljQLo ljj/0f tyf k|If]k0fsf] cg'dfg tyf cfwf/x? k'g/fjnf]sg

u/L ;f] cfwf/df tof/ ljQLo k|If]k0fsf ljj/0f oyf{yk/s /x]sf] 5 . o; ljQLo ljj/0f tyf k|If]k0fsf] cg'dfg tyf

cfwf/x? k'g/fjnf]sg ug]{ ljz]if1 >L s] ÞP; ÞP08 Pzf]l;o6\;sf l;=P= >L /fh]z s'df/ zfx /xg' ePsf] 5 .

-v_ ut tLg cfly{s jif{ leqdf s'g} ;~rfns, n]vfk/LIfs kl/jt{g ePsf] eP, ;f] sf] sf/0fM

Gffd kb ljj/0f Nffu" ldlt

>L z+s/ k|;fb

sflnsf]6f

;+rfns k|e' Soflk6n lnld6]8df ! !÷@ aif{ dxfk|aGws kbdf /x]/

sfd u/]sf], lejf]/ Soflk6n lnld6]8df @ aif{ k|d'v sfo{sf/L

kbdf /x]/ sfd u/]sf] / g]kfn ljsf; a}+sdf ( aif{ eGbf al9

gfoj k|jGws kbdf /x]/ sfd u/]sf] .

@)&$÷)%÷!*

>L cGh' clwsf/L ;+rfns g]kfn /fi6« a}+sdf * aif{ ;xfos lgb]{zs / @ aif{ pklgb]{zs

kbdf /x]/ sfd u/]sf].

@)&%÷)!÷!(

n]vfkl/Ifs kl/jt{g ePsf] sf/0f M Shyam Karki & Co. sf] # aif{ s/f/ cjlw k'/f ePsf] / xfn K.A.S.

Associates nfO{ lgo'Qm ul/Psf] .

-u_ sDkgL ;lrjsf] gfd, 7]ufgf / of]Uotf M

gfd M >L cldt e08f/L

7]ufgf M ;'g;/L lhNnf, Og?jf g=kf=, j8f g+= !)

xfnsf] 7]ufgf M dxfnIdL %, nlntk'/ .

of]Uotf M lj=Pn=

50

-3_ ;fj{hlgs lgisfzg ug{sf nflu ;+rfns ;ldltaf6 ePsf] lg0f{o ;DaGwL ljj/0f M

a}+ssf] ldlt @)&^÷)#÷!( df ;DkGg !%! cf}+ ;+rfns ;ldltsf] lg0f{oadf]lhd a}+sn] C0fkq lgisfzg ug{ nfu]sf]

xf] .

-ª_ ;+ul7t ;+:yf jf o;sf z]o/wgLnfO{ s'g} ljz]if s/ ;'ljwf lbOPsf] eP, ;f] ;DaGwL ljj/0f M

;f] gePsf] .

-r_ ;+ul7t ;+:yfsf] kl5Nnf] cfly{s jif{sf] n]vfk/LIf0f ePsf] jf;nft, gfkmf gf]S;fg lx;fj / gub k|jfx ljj/0f k|fKt

ug{ jf x]g{ ;Sg] 7fpF / ;do M

sfof{no ;doleq lgDglnlvt :yfgx?df sDkgLsf] kl5Nnf] cfly{s jif{sf] n]vfk/LIf0f ePsf] jf;nft, gfkmf–gf]S;fg

lx;fj tyf gub k|jfxsf] ljj/0f k|fKt ug{ jf lg/LIf0f ug{ ;lsg]5 .

!= sDkgLsf]] skf]{/]6 sfof{no— aa/dxn, sf7df8f}+ .

@= lwtf]kq lgisfzg tyf laqmL k|aGws >L glan OGe]i6d]G6 a+}lsË lnld6]8, gS;fn, sf7df8f}+ g]kfn l:yt sfof{no

.

-5_ C0fkq, sd{rf/L jf c? s;}sf] nflu z]o/ ;'/lIft ug]{ Joj:yf ul/Psf] ePdf ;f] s'/f M

o; ljj/0fkqåf/f lgisfzg ul/Psf] k|lt C0fkq ?= !,))).— clÍt d"No (Par Value) sf s'n *,)),))) lsQf

C0fkq ;+Vofsf] %Ü cyf{t $),))) lsQf C0fkqx? ;fd"lxs nufgL sf]ifsf] lgDtL 5'6\ofP/ ;'/lIft /flvPsf] 5 .

o;/L 5'6\ofOPsf] C0fkq ;fd"lxs nufgL sf]if lgodfjnL, @)^& jdf]lhd afF8kmfF8 ul/g]5 .

-h_ ljQLo ;+:yfn] sDkgL P]gn] u/]sf] Joj:yfx?, cfˆgf] sf/f]af/;+u ;DalGwt P]g, lgod tyf lgodg Joj:yf k"0f{ kfngf

u/]sf] ;DaGwdf u/]sf] pb\3f]if0f M

sDkgLn]] sDkgL P]g, @)^# n] u/]sf] Joj:yfx?, cfkm"n] ug]{ Joj;fo;Fu ;DalGwt P]g, lgod tyf lgodg Joj:yf

tyf lgodg lgsfox?n] lbPsf] lgb]{zgx?sf] k"0f{ ?kdf kfngf u/]sf] 5 / ;f]xL lgb]{zgx?sf] bfo/f leq /xL sfo{

ul//x]sf] / o; ljj/0fkqdf pNn]v ul/Psf] ljj/0fx? ;d]t ;f]xL cg'?k tof/ ul/Psf] xf] eGg] sDkgLsf] pb\3f]if0f

/x]sf] 5 . a+}ssf] s'g} klg ;+rfnsx? sfnf];'rLdf g/x]sf] ;fy} of]Uo /x]sf] sDkgLsf] pb\3f]if0f /x]sf] 5 .

-em_ lwtf]kq laqmL ljt/0f ;DaGwL Joj:yf M

o; ljj/0fkq dfkm{t ;fj{hlgs lgisfzg ug{ nfluPsf] C0fkqsf] laqmL ljt/0fsf nflu l;–cf:af (C-ASBA) ;b:o

/x]sf] ;Dk"0f{ a+}s tyf ljQLo ;+:yf dfkm{t cfj]bg lbg ;Sg]5g\ .

-~f_ ljj/0fkq tof/ ug]{ JolQmsf] gfd, y/, z}lIfs of]Uotf / cg'ejsf] ljj/0f M

o; ljj/0fkq tof/ kfg]{ Joj;flos ;+:yfdf lgisfzg tyf laqmL k|aGws– >L glan OGe]i6d]G6 a+}lsË lnld6]8,

gS;fn, sf7df8f+} /x]sf] 5 .

-6_ ;sf/fTds kIfx? M

bIf tyf cg'ejL JolQmx?sf] nufgLdf :yfkgf tyf ;+rfng ul/Psf] sDkgL .

:yfkgfsfn b]lv g} k"0f{ sDKo'6/s[t k|ljlwaf6 ljQLo ;]jf k|bfg ub}{ cfO/x]sf] .

Uffx|sx?nfO{ ;xh tyf ;/n shf{ tyf cGo ;]jf k|bfg ub{} cfPsf] .

-7_ lwtf]kq laqmL v'Nnf cjlw M

o; ljj/0fkq dfkm{t lgisfzg ul/Psf] C0fkqsf] nflu cfj]bg lbg] cjlw sDtLdf $ sfo{ lbg tyf clwstd !%

lbgsf] nflu x'g]5 .

-8_ lwtf]kqsf] qm]l86 /]l6Ë M

o; a+}sn] hf/L ug{ nfu]sf] C0fkqnfO{ CARE RATINGS NEPAL LIMITED n] Moderate Credit Risk hgfpg] “CARE-

NP BBB[Triple B]” u|]l8Ë ldlt @)@)÷)!÷@( df k|bfg u/]sf] 5 . . pQm qm]l86 /]l6Ë k|fKt ug]{ Instrument nfO{

;dodfg} ljQLo bfloTj k'/f ug]{ ;DaGwdf dWod ¿kdf ;'/lIft dflgG5 . hf]lvdsf] b[i6Ldf o:tf pks/0fx? dWod

shf{ hf]lvd ePsf] dflgG5 . ;fy} o; a}+snfO{ ICRA NEPAL LIMITED n] Moderate Credit Risk hgfpg] “[ICRANP -

IR] BBB” (pronounced ICRA NP Issuer Rating Triple B) u|]l8Ë ldlt @)@)÷)&÷)& df k|bfg u/]sf] 5 . pQm qm]l86

/]l6Ë k|fKt ;+:yfnfO{ ;dodfg} ljQLo bfloTj k"/f ug]{ tyf dWod shf{ hf]lvd /xg] ;+:yfsf] ?kdf lnOG5 .

@#= ;+rfns tyf lj1x?sf] gfd tyf b:tvt M

o; ljj/0fkqdf k|sflzt tYo tyf ljj/0fx? 7Ls b'?:t 5g, ;f] df s'g} km/s k/]df xfdL ;+rfnsx? k"0f{?kdf

lhDd]jf/ x'g]5f}+ egL ;xL 5fk ug]{ sDkgLsf] ;~rfnsx?sf] gfd tyf b:tvt M

51

qm=;+= gfd kb b:tvt

! >L b]jL k|sfz e§rg

-;+:yfks z]o/wgL ;d"x s af6_ cWoIf

@ >L k'ik axfb'/ k|wfg

-;+:yfks z]o/wgL ;d"x s af6_

;~rfns

# >L clDasf zdf{ nfld5fg]

-;+:yfks z]o/wgL ;d"x s af6_

;~rfns

$ >L /d]z l;+x v8sf

-;+:yfks z]o/wgL ;d"x s af6

;~rfns

% >L z+s/ k|;fb sflnsf]6f

-;j{;fwf/0f z]o/wgL ;d"x v af6_

;~rfns

>L c~h' clwsf/L

-;j{;fwf/0f z]o/wgL ;d"x v af6_

;~rfns

& >L Clif/fd uf}td :jtGq ;~rfns

52

@$= lgisfzg tyf laqmL k|aGwsn] k|:t't u/]sf] k|lta4tf kq -8\o' 8]lnh]G;\\ ;l6{lkms]6_ sf] k|ltM

53

@%= ljj/0fkq, ljQLo ljj/0f tyf cGo s'g} s'/fdf lj1n] /fo lbPsf] eP ;f] ;DaGwL kqM