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2.: K@]TLMVA]KL@

Be}olvio nlmft` Kqebnka db`ck`i kq al`qkmftfm }l df b tfaf`} mfwfelznf`}% Nvqeknq yftf bdef }l baafqq

gk`b`akbe q{q}fnq lzftb}k`i yk}olv} k`}ftfq} qk`af }of dfik``k`i lg Kqebnka okq}lt{. ]of q{q}fn ybq vqfm

}l ltib`kxf tfqlvtafq% gk`b`af ztlmva}kwf ba}kwk}kfq b`m nff} al`qvnft `ffmq. ]okq q{q}fn obq ztlwf` }l

df rvk}f fggfa}kwf mvtk`i }of mfwfelznf`} lg Kqebnka akwkekxb}kl`.

Kqebnka db`cq }lmb{ fkq} k` bee zbt}q lg }of yltem% b`m btf ellcfm vzl` bq b wkbdef be}ft`b}kwf q{q}fn

yokao obq nb`{ }ok`iq }l lggft. Yokef k} ybq k`k}kbee{ mfwfelzfm }l gvegkee }of `ffmq lg Nvqeknq% Kqebnka

db`ck`i obq `ly ibk`fm v`kwftqbe baafz}b`af. Kqebnka db`ck`i kq tfali`kxfm bq l`f lg }of gbq}fq} itlyk`i

btfbq k` db`ck`i b`m gk`b`af. Qk`af }of lzf`k`i lg }of gktq} Kqebnka db`c k` Fi{z} k` 2;71% Kqebnka

db`ck`i obq itly` tbzkme{ bee lwft }of yltem.

2.2 Kqebnka Db`ck`i k` Db`iebmfqo

Db`iebmfqo obq b v`krvf Db`ck`i q{q}fn yk}o nve}kzef }{zfq lg Db`ck`i yk}o @b}kl`bekxfm Alnnftakbe

Db`cq /@ADq+% Ztkwb}f Alnnftakbe Db`cq /ZADq+% Gltfki` Alnnftakbe Db`cq /GADq+% Kqebnka

Alnnftakbe Db`cq /KADq+% Qzfakbekxfm Mfwfelznf`} Db`cq b`m }of Allzftb}kwf Db`cq.

]of bqzktb}kl` lg Db`iebmfqo }l tv` b db`ck`i q{q}fn dbqfm l` Kqebnka ztk`akzefq nlwfm aelqft }l

dfalnk`i b tfbek}{ k` 2;9?% bg}ft }of Ltib`kqb}kl` lg }of Kqebnka Al`gftf`af /LKA+ nff}k`i lg k}q nfndft

alv`}tkfq gltfki` nk`kq}ftq. LKA tfalnnf`mfm k}q nfndftq /k`aevmk`i Db`iebmfqo+ }l mfwfelz Kqebnka

db`ck`i q{q}fnq lg }ofkt ly`. Gkwf {fbtq bg}ft }ob} mfaebtb}kl`% k` 2;?1% }of alv`}t{q gktq} Qobtkbo

alnzekb`} db`c% Kqebnk Db`c Db`iebmfqo% ybq fq}bdekqofm. Nltf db`cq obwf gleelyfm% k`aevmk`i Be

Btbgbo Kqebnk Db`c /lzf`fm k` 2;;6+ b`m Qobohbebe Kqebnka Db`c E}m /4::2+.

Be}olvio }of Kqebnka db`ck`i nbtcf} k` Db`iebmfqo q}bt}fm yk}o b wft{ eknk}fm tfqlvtaf dbqf% k} obq

qoly` q}tl`i itly}o }otlviolv} }of zbq} }yl mfabmfq }l mb}f. K}q l`ilk`i mfwfelznf`} qki`beq b okio

efwfe lg baafz}b`af d{ }of zvdeka k` if`ftbe.

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2.4 Qobohbebe Kqebnk Db`c Db`iebmfqo

Qobohbebe Kqebnk Db`c Eknk}fm /QHKDE+% b` Kqebnk Qobtkbo dbqfm ztkwb}f alnnftakbe db`c% ybq

fq}bdekqofm k` Bztke :2% 4::2 bq b zvdeka eknk}fm alnzb`{ b`m alnnf`afm alnnftakbe db`ck`i lzftb}kl`

k` }of qbnf {fbt. ]of db`c obq dff` lzftb}k`i v`mft Alnzb`kfq Ba} 2;;= b`m ld}bk`fm zftnkqqkl` gtlnDb`iebmfqo Db`c dfgltf alnnf`afnf`}. ]of nbk ba}kwk}kfq lg QHKDE btf }l lggft Qobtkbo dbqfm

alnnftakbe db`ck`i ztlmva}q b`m qftwkafq }l fkq}k`i b`m ztlqzfa}kwf avq}lnftq }otlvio 62 dtb`aofq

lwft }of alv`}t{ k` ek`f yk}o }of tfrvktfnf`} lg }of Db`c Alnzb`{ Ba} 2;;2. ]of db`c obq dff` beql

lzftb}k`i dtlcftbif dvqk`fqq gtln 4::? v`mft }of ekaf`qf gtln Qfavtk}kfq ' Faob`if Alnnkqqkl`

/QFA+ b`m barvktfm }of nfndftqokz lg dl}o dlvtqfq lg }of alv`}t{ /Mobcb Q}lac Faob`if b`m

Aok}}bil`i Q}lac Faob`if+. Dfk`i ekq}fm yk}o q}lac faob`ifq% }of db`cq qobtfq btf }tbmfm bee lwft }of

{fbt k` abzk}be nbtcf}. ]of zbkmvz abzk}be lg QHKDE q}llm b} ]c.4%9=:.:; nkeekl` bq l` Nbtao 12%4:2:

bibk`q} }of bv}oltkxfm abzk}be lg ]c.=%:::.:: nkeekl`. ]of db`c obq dff` qolyk`i illm zftgltnb`af k`gk`b`akbe b`m `l` gk`b`akbe btfbq obwk`i q}fbm{ itly}o lg lwftbee dvqk`fqq qk`af k`afz}kl`. ]of db`c obq

illm baokfwfnf`} k` lzf`k`i `fy dtb`aofq% fbt`k`i qvdq}b`}kbe ztlgk}% qvq}bk`k`i lzftb}kl`be fggkakf`a{%

f}a. ]of db`c ybq ztlnl}fm d{ b itlvz lg ztlnk`f`} elabe dvqk`fqqnf` obwk`i fzlqvtf k` TNI%

K`qvtb`af% Fefa}tl`kaq% Fmvab}kl`% f}a.

2.1 Zftgltnb`af Tfwkfy lg Qobohbebe KQebnk Db`c/4::64::;+

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QE Wbtkbdef 4::6 4::7 4::9 4::? 4::;

1

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2 Zbkm vz abzk}be ;17 ;17 2?94 44=7 49=:

4 @l lg Fnzel{ffq 1=: 199 666 ?9? 24;;

1 @l lg Dtb`aofq 27 42 47 11 62

= ]l}be Mfzlqk}244:

6

2?:;

2

4472

?

1=4?

:=9=6;

6 K`wfq}nf`}/E'B+ 2:6;:

26627

4:727

14;2;

=1;6?

7Aebqqkgkfm K`wfq}nf`}q bq & lg ]l}be

K`wfq}nf`}q:.=; :.2; :.74 :.== :.;=

9 Itlqq K`alnf 2742 4671 16?; 64?6 9229

? Itlqq Fzf`mk}vtf 222; 292? 449= 1=96 6:97

; @f} Bqqf} Wbevf zft qobtf/}c+ 9;.47 24; 27; 272 29;.?

2: @f} K`alnf /@K+ 467 =71 7=9 ?2? 2:92

22 Fbt`k`iq zft qobtf/}c+ 11.71 =;.6 4?.?2 4;.?= 1;.:9

24 ]l}be bqqf}2===

?

421=

1

4?1=

9

==22

:6?;42

21 Tf}vt` l` Frvk}{ /&+ 1=.=7 1?.== 41.42 46.6? 46.22= Tf}vt` l` Bqqf}q /&+ 2.97 4.29 4.7 4.47 4.:?

26 Alq} lg Gv`m /&+ ;.97 2:.?1 2:.= 2:.;; 22.:9

27 Q}lac Mkwkmf`m /&+ 4: 44 46

2.= Nf}olmleli{

@l ztknbt{ qlvtafq obwf dff` vqfm tb}oft dbqfm l` qfal`mbt{ qlvtafq vqk`i gk`b`akbe q}b}fnf`}q%

atfmk} tb}k`i tfzlt}% bt}kaefq f}a.

]okq b`be{qkq vqfq lzftb}kl`be wbtkbdefq tfeb}fm }l k}fnq lg dbeb`af qoff} b`m k`alnf q}b}fnf`} k`

gk`b`akbe tb}klq b`be{qkq% atfmk} tb}k`i% tkqc fzlqvtf f}a.

4.: ZFTGLTNB@AF FWBEVB]KL@

=

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4.2 Wbtkbdefq Vqfm k` Fwbevb}kl`8

Lzftb}kl`be Wbtkbdefq8

Qe. Wbtkbdef 4::6 4::7 4::9 4::? 4::;

2 @l. lg fnzel{ffq 1=: 199 666 ?9? 24;;

4 @l. lg Dtb`aofq 27 42 47 11 62

1 Itlqq K`alnf274

2

467

1

16?

;

64?

69229

= Itlqq Fzf`mk}vtf222;

292?

449=

1=96

6:97

6 @f} K`alnf 467 =71 7=9 ?2? 2:92

(gkivtfq k` nkeekl` }bcb

4.4 ITLQQ K@ALNF ' @F] K@ALNF

4.4.2 Knzba} lg k`alnf wbtkbdefq l` gk`b`akbe Zftgltnb`af

Wbtkbdef

@l. lg fnzel{ffq

@l. lg Dtb`aofq

Itlqq K`alnf

Itlqq Fzf`mk}vtf

@f} K`alnf

Oftf% TLB obq dff` k`atfbqk`i gtln 4::6 }l 4::9 b`m }of` mfatfbqk`i.TLF ybq k`atfbqk`i k` 4::6 b`m

4::7 }of` k} mfaek`fm b`m geva}vb}fm b dk}. Alq} }l k`alnf tb}kl ybq mfatfbqk`i vz}l 4::9 b`m }of` k}

q}bt}fm k`atfbqk`i.FZQ ybq k`atfbqk`i k` gktq} }yl {fbtq b`m }of` mfaek`fm b`m bibk` k`atfbqk`i.

Qe. Wbtkbdef4::

6

4::

7

4::

9

4::

?4::;

2 Itlqq K`alnf 274 467 16? 64? 9229

6

Zbt}kavebtq 4::6 4::7 4::9 4::? 4::;

Tf}vt` l` Bqqf}q /&+ 2.97 4.29 4.7 4.47 4.:?

Tf}vt` l` Frvk}{ /&+ 1=.=7 1?.== 41.42 46.6? 46.2

Alq} }l K`alnf tb}kl:.7;:12

6

:.79:1:

?

:.7117:

1

:.76964

2:.921444

Fbt`k`iq zft

qobtf/}c+

11.71 =;.6 4?.?2 4;.?= 1;.:9

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2 1 ; 6

4 @f} K`alnf 467 =71 7=9 ?2? 2:92

(gkivtfq k` nkeekl` }bcb

Gtln }okq }bdef% yf qff }ob}% }ofqf tb}klq obwf dff` geva}vb}k`i gtln 4::6 }l 4::; b`m }ofqf geva}vb}kl`qab` df yfee fzebk`fm d{ lvt bqqki`fm lzftb}kl`be wbtkbdefq.

Gtln }of itbzo yf ab` qff }ob} TLF obq fzftkf`afm b qobtz mfaek`f yoftfbq TLB mkm `l}.

Dfabvqf k` TLF abeaveb}kl`% frvk}{ ybq al`q}b`} dfgltf b`m bg}ft 4::9 /f`}ftfm zvdeka nbtcf} k`

4::9+ yoftfbq }of `vnftb}lt `f} k`alnf ybq k`atfbqk`i. ]ob} kq yo{ k} obm k`atfbqk`i }tf`m k` bee

}of {fbtq fafz} k` 4::9.

TLB obq qoly` tfeb}kwfe{ q}bdef }tf`m lwft }knf dfabvqf k}q bqqf} qkmf ybq k`atfbqk`i b`m `f}

k`alnf beql k`atfbqk`i yokao nbmf k} }l geva}vb}f efqq }ob` TLF.

Itlqq k`alnf ybq k`atfbqk`i dfabvqf lg k`atfbqk`i ovnb` tfqlvtaf b`m nbtcf}q yokao yftf

abvqk`i }of db`c }l if`ftb}f nltf abqo gelyq }ob` fwft dfgltf. Bq b tfqve}% `f} k`alnf ybq

k`atfbqk`i.

Itlqq k`alnf obq }yl }{zfq lg knzba} l` ztlgk}bdkek}{ tb}klq. Gktq}% k`atfbqfm itlqq k`alnf elyftq

}of wbevf lg alq} }l k`alnf tb}kl. Dv} k`atfbqf k` }of wbevf lg }okq tb}kl nb{ df b tfqve} lg ebtif

zftaf`}bif k`atfbqf k` itlqq fzf`mk}vtf. Qfal`m% okioft itlqq k`alnf if`ftb}fq okioft `f}

k`alnf

K`atfbqk`i `f} k`alnf abvqfm TLB b`m TLF }l k`atfbqf bq el`i bq }of zftaf`}bif k`atfbqf k` `f}

k`alnf ybq okioft }ob` zftaf`}bif k`atfbqf k` }l}be bqqf}q b`m frvk}{ k`mkwkmvbee{.

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FZQ ybq k`atfbqk`i glt }ofqf gkwf {fbtq dfabvqf `f} k`alnf ybq k`atfbqk`i b`m }of qvmmf`

mfaek`f kq mvf }l kqqvk`i qobtfq k` }of zvdeka nbtcf}.

Ztlmva}kwk}{ tb}kl8 Tfqlvtaf v}kekxb}kl` lt bqqf} }vt`lwft > Itlqq k`alnf,]l}be Bqqf}q% tfztfqf`}k`i

ztlmva}kwk}{ lg db`c tfqlvtafq

Fggkakf`a{ tb}kl8 ]l}be K`alnf,If`ftbe b`m Bmnk`kq}tb}kwf Fzf`qfq% tfztfqf`}k`i }of lzftb}kl`be

fggkakf`a{ lg }of db`c%

Wbtkbdef

@l. lg fnzel{ffq

@l. lg Dtb`aofq

Itlqq K`alnf

Itlqq Fzf`mk}vtf

@f} K`alnf

Bq }ofqf tb}klq% tfztfqf`}q ztlmva}kwk}{ lg db`c tfqlvtaf b`m fggkakf`a{ lg }of db`c% }of{ btf knzlt}b`}

k`mkab}lt lg db`c zftgltnb`af. B`{ be}ftb}kl` k` }of wbtkbdefq }ob} obwf dff` bqqki`fm }l vq ykee aob`if

}ofqf tb}klq }l mkggft el}.

Ztlmva}kwk}{ tb}kl ykee df bggfa}fm kg itlqq k`alnf b`m }l}be bqqf} dfalnf bggfa}fm. Bq itlqq

k`alnf kq k`atfbqk i gtln 4::6 }l 4::;% }of tb}kl ykee k`atfbqf. Ql% db`c zftgltnb`af kq

qvzzlqfm }l ellc df}}ft dfabvqf k} ykee k`mkab}f nltf ztlmva}kwk}{. Dv} }of mf`lnk`b}lt }l}be bqqf}

kq beql k`atfbqk`i qk`af }of db`c kq fzb`mk`i k}q qkxf }otlvio ebq} 6 {fbtq.

9

Zbt}kavebtq 4::6 4::7 4::9 4::? 4::;

Ztlmva}kwk}{ tb}kl :.2242;6 :.24::?7 :.24772 :.22;?2= :.24:9?;

Fggkakf`a{ tb}kl 2.==?726 2.=;2?62 2.69?497 2.64:?71 2.=:4:??

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Yk}o k`atfbqk`i `l. lg fnzel{ffq Qobohbebe db`c kq obwk`i k`atfbqk`i }tf`m lg itlqq fzf`mk}vtf.

Be}olvio itlqq fzf`mk}vtf ybq k`atfbqk`i% }okq k`atfbqf ybq lggqf} d{ }of k`atfbqf k` itlqq

k`alnf yokao abvqfm }of tb}kl }l df k`atfbqk i glt 1 {fbtq b`m bg}ft }ob} }of tb}kl ybq

mf}ftkltb}k`i. Ql% Qobohbebe Db`c ybq zftgltnk`i df}}ft k` gktq} 1 {fbtq }ob` qvdqfrvf`} 4 {fbtq.

Kg yf alnzbtf df}yff` }ofqf }yl tb}klq b`m }ofkt alttfqzl`mk`i itbzoq% yf qff }ob} ztlmva}kwk}{

tb}klq% yf qff }ob} dl}o tb}klq obwf dff` qolyk`i b` vzybtm }tf`m vz }l 4::9. ]of{ mfatfbqfm k`

4::? b`m k`atfbqfm k` qvdqfrvf`} {fbt.

4.4.4 Knzba} lg K`alnf Wbtkbdefq l` Atfmk} Tb}k`i ATKQE Tb}k`i ATKQE lggftq }yl }{zfq lg tb}k`iqEl`i }ftn b`m Qolt} }ftn. El`i }ftn

tb}k`iq btf wbekm glt nbknvn l`f {fbt yokef qolt} }ftn tb}k`i abttkfq b wbekmk}{ lg

nbknvn lg qk nl`}oq.

Atfmk} tb}k`i tfzlt} d{ Atfmk} Tb}k`i K`gltnb}kl` b`m Qftwkafq Eknk}fm /ATKQE+ lg }of db`c kq8

((Tb}k`i8 Dbqfm l` Gk`b`akbeq vz }l Mfa. 4::;sK`}ftztf}b}kl`8 BB,BB > Okio qbgf}{ ' Q]4 > Okio Itbmf~

ATKQE tb}k`i kq dbqfm l` abzk}be bmfrvba{% bqqf} rvbek}{% nb`bifnf`}% fbt k`i ztlqzfa}q%

ekrvkmk}{ gv`mk`i. ]ofqf tfztfqf`} knzlt}b`} bqzfa}q lg b db`cq lzftb}kl`3 tfgefa} }of db`cq gk`b`akbe

al`mk}kl`% lwftbee lzftb}k`i qlv`m`fqq b`m alnzekb`af yk}o qvzftwkqlt{ tfiveb}kl`q. ]oftf btf qlnf

l}oft gba}ltq glt }okq tb}k`i qvao bq qkxf lg }of db`c,GK% abzbak}{ lg f}ft`be gv`m nldkekxb}kl`% altzltb}f

ilwft`b`af% bzzekab}kl` lg k`gltnb}kl` }fao`leli{% tfiveb}lt{ f`wktl`nf`} b`m alnzekb`afq% Dbqfe4

alnzekb`afq f}a.

Itlqq k`alnf b`m `f} k`alnf bggfa} }ofqf tb}k`i k` qvao yb{q

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Kg itlqq k`alnf k`atfbqfq }of` `f} k`alnf ykee beql k`atfbqf. ]okq k`atfbqf k` `f} k`alnf ykee df

bmmfm }l qobtfolemftq frvk}{ k` dbeb`af qoff}. Bq b tfqve}% abzk}be bmfrvba{ tfrvktfnf`}q ykee df

zbt}kbee{ bggfa}fm b`m ykee tfgefa} df}}ft zftgltnb`af }otlvio okioft tb}k`i.

K`atfbqfm k`alnf nb{ df vqfm bq elb` lt k`wfq}nf`}q k` bqqf}q. Dv} }okq k`wfq}nf`} k` qvao btfbq

obq }l df abtfgvee{ ob`mefm b`m nl`k}ltfm. ]ovq% df}}ft tb}k`i l` bqqf} nb`bifnf`} ab` df

baokfwfm.

K` zftgltnb`af tb}k`i% nb`bifnf`} fzft}kqf b`m alnzf}f`af nb}}ftq b el} yokao ab` df dfq}

tfgefa}fm d{ k`atfbqfm itlqq b`m `f} k`alnf. Bqqfqqnf`} lg nb`bifnf`} bdkek}{ ebtife{ mfzf`mq

k`alnf wbtkbdefq.

Okioft qvq}bk`bdef fbt`k`iq dtk`i okioft tb}k`i glt }of db`c. ]okq obq dfalnf fbqkft glt Qobohbebe

Kqebnk Db`c }otlvio vzybtm }tf`m lg k`alnf.

Ekrvkmk}{ ab` df f`qvtfm kg }of db`c ab` elac k}qfeg yk}o okioft k`alnf bq k} obzzf`fm glt

Qobohbebe KQebnk Db`c. Ql% al`qkmftk`i df}}ft ekrvkmk}{ zlqk}kl`% ]of db`c baokfwfm okioft tb}k`i.

4.4.1 Tkqc Fxzlqvtf

Wbtkbdefq Tkqcq K`atfbqk`i k`alnf gtln 4::6 }l 4::; q}b}fq }ob}

Itlqq K`alnf '

@f} K`alnf

Atfmk} Tkqc Okioft k`alnf nfb`q }ob} }of db`c obq dff` bdef }l

tfalwft k}q gv`mq lt mfgbve} tkqc kq ely

Ekrvkmk}{

Tkqc

Okioft k`alnf nfb`q }ob} }of db`c ab` obwf ekrvkm abqo

lt k`wfq}nf`}q }l ol`lt b`{ yk}omtbybe gtln mfzlqk}ltq

Lzftb}kl`be

Tkqc

Okioft k`alnf k`mkab}fq fggkakf`a{ k` fal`lnkfq lg qabef

b`m qalzf yokao tfgefa}q tfmvafm lzftb}kl`be tkqc.

Gvt}oft b`be{qkq q}b}fq }ob} qk`af Qobohbebe Kqebnk Db`c kq f`hl{k`i vzybtm }tf`m lg itlqq b`m `f} k`alnf%

ql k}q

Atfmk} tkqc ykee beql df }oftf dfabvqf lg k`atfbqfm elb` b`m k`wfq}nf`} qftwkafq.

Ekrvkmk}{ tkqc nkio} k`atfbqf qk`af k}q mfzlqk} kq itlyk`i b`m k`atfbqfm k`alnf ykee df vqfm k`

ef`mk`i b`m k`wfq}nf`}q

K`atfbqfm k`alnf nkio} df vqfm k` mkggftf`} k`wfq}nf`} lzzlt}v`k}kfq yk}o mkggftf`} ztkaf tkqc

efwfeq.

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Db`cq k`alnf kq if`ftbee{ wve`ftbdef }l k`}ftfq} tb}f tkqc /qztfbm+ dv} okioft k`alnf tfgefa}q k} bq

}leftbdef. Dv} okio mfzlqk} b`m elb`q nkio} elac }of db`c yk}o k`}ftfq} tb}f tkqc kg nbtcf} tb}fq

geva}vb}f.

K`atfbqfm itlqq k`alnf b`m `f} k`alnf tfgefa}q abtfgve lzftb}kl`be ba}kwk}kfq yk}o ely tkqc. K`

gv}vtf% kg fal`lnkfq lg qabef b`m fal`lnkfq lg qalzf kq f`qvtfm }of` itlqq fzf`mk}vtf ykee df

elyft.

4.1 @L. LG FNZEL[FFQ ' @L. LG DTB@AOFQ

Wbtkbdef

4::

6

4::

7

4::

9

4::

? 4::;

@l lg Fnzel{ffq 1=: 199 666 ?9? 24;;

@l zg Dtb`aofq 27 42 47 11 62

]of `l lg dtb`aofq btf k`atfbqk`i }l nff} }of vzybtm mfnb`m b`m }l qftwf }of rvbek}{ qftwkaf.

]of db`c kq }t{k`i }l fzb`m }ofkt dvqk`fqq ql }ob} }of{ ab` tfbao }of nltf avq}lnftq d{ lzf`k`i

`fy dtb`aofq k` al`wf`kf`} zebafq l}oftykqf }of{ ykee elqf aekf`}q b`m }ovq obwf }l f`hl{ tfmvafmztlgk}.

]of `l lg fnzel{ffq btf k`atfbqk`i k` fwft{ {fbt. ]of tfbql` dfok`m }okq kq }of `l lg dtb`aofq kq

beql k`atfbqk`i k` fwft{ {fbt. Ql }ob} }of{ `ffm nltf fnzel{ffq }l ikwf }of rvbek}{ qftwkaf b`m

beql nbk`}bk` }of mfnb`m ztlzfte{.

4.1.2 Knzba} lg @l. lg dtb`aofq l` gk`b`akbe Zftgltnb`af8

[fbt 4::6 4::7 4::9 4::? 4::;

]l}be K`wfq}nf`} zft Dtb`ao

772.?

?

91?.?

7

9;4.;

4 ;;9.66 ?72.;4

Mfzlqk} zft Dtb`ao

974.?

2

?72.=

?

?7;.;

4

2:1?.9

; ;1:.69

@f} K`alnf zft Dtb`ao 27.:: 44.:6 4=.?? 4=.9; 42.::

Itlqq K`alnf zft Dtb`ao

2:2.1

2

244.:

6

21?.:

= 27:.26 21;.66

2:

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Gtln }of itbzo% yf qff }ob} atfmk} /k`wfq}nf`}+ zft dtb`ao ybq k`atfbqk`i k` bee {fbtq fafz}

4::;. Dfabvqf% k` }okq {fbt }of db`c obq qf} b ovif `vndft lg dtb`aofq.

Mfzlqk} zft dtb`ao kq qekio}e{ okioft }ob` atfmk} zft dtb`ao. K} nfb`q }ob} }of db`c v}kekxfq nlq}

lg k}q mfzlqk}q k` k`wfq}nf`} yokao ab` efbm k} }l ekrvkmk}{ tkqc.

K} kq `l}bdef }ob} dl}o atfmk} b`m mfzlqk} gleelyq b qknkebt }tf`m k`mkab}k`i b qki` }ob} }of

nb`bifnf`} tfwkqfq k}q k`wfq}nf`} q}tb}fi{ l` }of dbqkq lg mfzlqk}.

Itlqq k`alnf zft dtb`ao ybq beql k` b tkqk`i }tf`m fafz} k` 4::; dfabvqf lg ovif fzb`qkl`.

]of ibz k` }of itbzo df}yff` itlqq k`alnf b`m `f} k`alnf zft dtb`ao ybq if}}k`i qekio}e{ ebtift

vz}l 4::?. ]okq ab` df b}}tkdv}fm }l okio tkqf k` itlqq k`alnf b`m itlqq fzf`mk}vtf dfabvqf `f}

k`alnf kq tfeb}kwfe{ lwft }knf.

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4.1.4 Atfmk} Tb}k`i

Atfmk} Tb}k`i [fbt

ATKQE

Qobohbebe Kqebnk Db`cEknk}fm

El`i }ftn

Qolt}

}ftn

4::;

BB Q]4

]ofqf tb}k`iq btf dbqfm l` abzk}be% bqqf}% nb`bifnf`} fbt`k`iq% b`m ekrvkmk}{. f}a

Qobohbebe Kqebnk Db`c obq baokfwfm okioft tb}k`i k` nlq} tfaf`} {fbt yokao ldwklvqe{ ab` df

zbt}e{ lt b ek}}ef dk} b}}tkdv}fm }l `vndft lg dtb`aofq.

Dtb`ao ybq k`atfbqk`i k` }ofqf {fbtq. Yk}o }ofqf k`atfbqfq }oftf ybq k`atfbqf k` }l}be bqqf}q%

nbtcf} qkxf% mfzlqk}% k`wfq}nf`} b`m fzf`mk}vtf.

Bq nbtcf} qkxf% mfzlqk}% bqqf} b`m k wfq}nf`} k`atfbqfm }of` `f} k`alnf b`m ekrvkmk}{ zlqk}kl`

beql il} df}}ft%

Qobtfolemftq frvk}{ abzk}be q}tf`i}of fm /dfabvqf k`atfbqfm k`alnf }tb`qgfttfm }l tf}bk fm

fbt`k`iq+ b`m bqqf} k` }of gltn lg k`wfq}nf`}q% gkfm bqqf}q f}a.

K} nfb`q }ob} nb`bifnf } ybq beql bdef }l al }tle }ofqf yfee mkwftqkgkfm dtb`aofq b`m

alttfqzl`mk`i abqo gelyq.

4.1.1 Tkqc Fxzlqvtf

Lzftb}kl`be TkqcD{ k`atfbqk`i `vndft lg dtb`aofq% Qobohbebe }l qlnf f}f`} obq dff` bdef }l

f`qvtf fal`lnkfq lg qabef. Bq b tfqve}% }ofkt lzftb}kl`be tkqc kq qlnfyob} ofmifm.

Ekrvkmk}{ tkqcYk}o k`atfbqfm `vndft lg dtb`aofq% }of db`c obq k`atfbqfm }of }l}be bnlv`} k` }kq

mfzlqk} b`m k`wfq}nf`}q. Kg fggkakf`} beelab}kl` lg gv`mq ab` df beelab}fm k` }ofqf mfzlqk} b`m

k`wfq}nf`} baalv`}q k` }ftnq lg nb}vtk}{ }of` }of db`c ab` ofmif k}q ekrvkmk}{ tkqc. L}oftykqf

qk}vb}kl` ykee df qlnfyob} mkggftf`}.

Atfmk} tkqc Qk`af }of qkxf lg k`wfq}nf`} obq itly` vz yk}o `vndft lg dtb`aofq3 }of atfmk} tkqc

kq ekcfe{ }l baalnzb`{ }okq ovif bnlv`} lg k`wfq}nf`}. Dv} }of }tf`m lg k`alnf b`m l}oft

ztlgk}bdkek}{ tb}klq bzzfbt }l df vzybtm yokao b illm qki`be kq.

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4.=.2 Knzba} lg @l. fnzel{ffq l` gk`b`akbe Zftgltnb`af

[fbt 4::6 4::7 4::9 4::? 4::;

]l}be K`wfq}nf`} zftfnzel{ff

12.26

=2.27

19.26

19.=; 11.?=

Mfzlqk} zft Fnzel{ff

16.;

:

=9.;

;

=:.9

6

1;.:

= 17.6=

@f} K`alnf zft Fnzel{ff :.96 2.41 2.29 :.;1 :.?4

Itlqq K`alnf zft Fnzel{ff =.99 7.?: 7.=9 7.:4 6.=?

Gtln }of itbzo% yf qff }ob} atfmk} b`m mfzlqk} zft fnzel{ff geva}vb}fm b el} k` }ofqf {fbtq.

Nfb`k`i }ob} atfmk}% mfzlqk} b`m fnzel{ff yftf `l} k`atfbqk`i qnll}oe{.

K` 4`m {fbt /4::7+% atfmk} b`m mfzlqk} zft fnzel{ff k`atfbqfm b el} yokao }ob} atfmk} b`m mfzlqk}

tbkqfm b el} nltf }ob` `vndft lg fnzel{ffq mkm.

K` eb}ft {fbtq% }ofqf }yl ek`fq obm b mfatfbqk`i }tf`m. K} nfb`q }ob} nb`bifnf`} dfabnf qk`aftf

bdlv} rvbek}{ lg }ofkt qftwkaf ztlwkmfm }l aekf`}q. ]ob} kq yo{% `vndft lg fnzel{ffq obm dff`

k`atfbqk`i nltf }ob} atfmk} b`m mfzlqk} mkm.

Itlqq k`alnf zft fnzel{ff yf`} }otlvio b qekio} mfatfbqk`i }tf`m bg}ft 4::7 nfb`k`i }ob} }of{

yftf al`af`}tb}k`i l` qftwkaf rvbek}{ tb}oft }ob` ztlgk} nbtik`.

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K} kq beql `l}bdef }ob} `f} k`alnf zft fnzel{ff% hvq} ekcf k` abqf lg dtb`aofq% qolyq b tfeb}kwfe{

qnll}o }tf`m k` bee lg }of glvt itbzoq.

]okq mkggftf`}kbe beql k`mkab}fq }ob} itlqq fzf`mk}vtf zft fnzel{ff obq beql dff` bmhvq}fm k` qvao

b yb{ }ob} geva}vb}kl` k` itlqq k`alnf zft fnzel{ff k`gevf`afq `f} k`alnf zft fnzel{ff b ek}}ef

dk}.

4.=.4 Atfmk} Tb}k`i

Atfmk} Tb}k`i [fbt

ATKQEQobohbebe Kqebnk Db`c

Eknk}fm

El`i }ftnQolt}

}ftn

4::;

BB Q]4

@l. lg fnzel{ffq alvem obwf k`mktfa} k`gevf`af glt }of db`c k` baokfwk`i }of q}tl`ift tb}k`i.

K` ebtif mkwftqkgkfm dvqk`fqq btfb% yk}o ql nb`{ mfzlqk}q b`m k`wfq}nf`}q% itlqq fzf`mk}vtf ybq

qvzzlqfm }l df lv} lg dlv`mbt{.

Tkqcq bqqlakb}fm yk}o elb`q b`m k`wfq}nf`}q% ekrvkmk}{% lzftb}kl`be tkqc yftf qvzzlqfm }l tfbt

ofbm.

Dv} qckeefm ovnb` tfqlvtafq yk}o k``lwb}kwf nb`bifnf`} al`}tleefm }ofqf `fib}kwf gltafq.

Bq b tfqve}% db`cq fzlqvtf }l tkqc b`m l}oft wbtkbdef lzftb}kl`be alq}q yftf tfmvafm.

L`f nltf knzlt}b`} }ok`i kq }ob} nbk`}bk` b al`qkq}f`} ztlgk} nbtik` kq el} nltf mkggkave} }bqc.

Qobohbebe Kqebnk Db`c nbk`}bk`fm }okq b} b alq} lg k`atfbqk`i `vndft lg fnzel{ffq.

4.=.1 Tkqc Fxzlqvtf

Lzftb}kl`be Tkqc]l baokfwf lzftb}kl`be fggkakf`a{% }of db`c obq dff` k`atfbqk`i k}q fnzel{ffq.

Bq b tfqve}% b`{ ztlafqqfq ylvem }bcf ylvem }bcf qolt}ft }knf }ob` fwft dfgltf. Avq}lnftq ykee df

nltf df`fgk}}fm.

Ekrvkmk}{ tkqcBq `vndft lg fnzel{ffq kq itlyk`i k} ykee bmm vz }l itlqq fzf`qfq yokao ykee

ba} bq ab}be{q} k` abqf lg nb}vtk}{ nkqnb`bifnf`} df}yff` mfzlqk} b`m k`wfq}nf`}. Dv} qckeefm

fnzel{ffq nkio} df ofezgve k` qatv}k`kxk`i }of qk}vb}kl`.

Atfmk} tkqc Zftafkwfm okioft atfmk} tkqc% kg zftqkq}q% ylvem df ob`mefm d{ itlyk`i `vndft lg

fnzel{ffq yokao ykee tfqve} k` elyft atfmk} tkqc.

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4.6.2 ITLQQ F_ZF@MK]VTF

[fbt 4::

6

4::

7

4::

9

4::

?

4::;

Itlqq Fzf`mk}vtf 222

;

292

?

449

=

1=9

6

6:97

Bq yf qff gtln }of aobt} }ob} gtln }of {fbt 4::6 }l 4::; }of fzf`mk}vtf lg Qobohbebe Kqebnk Db`c obq

k`atfbqfm. ]of fzf`mk}vtf obq k`atfbqfm mvf }l fzb`qkl` lg alnzb`{% k}q dtb`aofq b`m fnzel{nf`} lg

nltf fnzel{ffq.

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4.6.4 Knzba} l` Gk`b`akbe Zftgltnb`af

Fwf` }olvio }of fzf`mk}vtf obq il`f vz lwft }of {fbt dv} k} kq fbqke{ baafz}bdef dfabvqf db`cobq k`atfbqfm k}q dtb`aofq b`m `vndft lg fnzel{ffq. Ql% k} beql ikwfq b qki` lg illm zftgltnb`af

lg }of db`c.

]of `vndft lg fnzel{ffq obq k`atfbqfm bq mb{q zbqqfm. K` 4::6 k} ybq l`e{ 1=: yoftf b} 4::; k}

dfalnf 24;;. Glt }okq `fye{ fnzel{fm zftql`q db`cq lzftb}kl`be alq} obq k`atfbqfm. Db`c obq

fq}bdekqofm }ofkt dtb`aofq k` wbtklvq zebafq. Glt `fye{ fq}bdekqofm dtb`aofq% }of lzftb}kl`be alq}

obq il`f vz.

Yk}o k`atfbqfm `vndft lg fzf`mk}vtf% abzk}be lg }of db`c obq beql il`f vz. Dv} k` tfbe qaf`btklyf gk`m }ob} zftaf`}bif/&+ aob`if lg itlqq nbtik` ybq itfb}ft }ob` zftaf`}bif/&+ aob`if k`

itlqq fzf`mk}vtf lwft }of {fbtq. Bq b tfqve} alnzb`{q zftgltnb`af k`mkab}f b zlqk}kwf qki`.

Alnzb`{q bqqf} nb`bifnf`} dfalnfq nltf fggkakf`} lwft }of {fbtq. Itlqq fzf`mk}vtf lg

Qobohbebe Kqebnk Db`c obq il`f vz dv} k} mkm`} il`f vz }ob} nvao lg bqqf} obq k`atfbqfm lwft }of

gkwf {fbtq. kg yf }bcf b aelqf ellc lwft }of zftaf`}bif aob`if k` bqqf} lwft }of {fbtq b`m

zftaf`}bif aob`if k` fzf`mk}vtf lwft }of {fbtq }ob} ykee ikwf vq b illm kmfb bdlv} }of

zftgltnb`af.

Oftf yf ab` qff }ob} k` 4::9 bqqf} obq k`atfbqfm d{ 11& b`m k` 4::? d{ 67& yoftf fzf`mk}vtf

k`atfbqfm d{ 1:& b`m 6:& tfqzfa}kwfe{. Ql% k} ab` df qbkm }ob} db`c obq fbt`fm nltf ztakqfm

bqqf} nb`bifnf`}.

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4.6.1 Atfmk} Tf}k`iq

Atfmk} Tb}k`i [fbt

ATKQEQobohbebe Kqebnk Db`c

Eknk}fm

El`i

}ftnQolt} }ftn

4::;

BB Q]4

]ofqf tb}k`iq btf dbqfm l` abzk}be% bqqf}% nb`bifnf`} fbt`k`iq% b`m ekrvkmk}{. F}a

Qobohbebe Kqebnk Db`c obq tf}bk`fm b illm zlqk}kl` k` }of tb}k`i k` }of tfaf`} {fbtq yoftf

fzf`mk}vtf obq b ovif zbt} }l al }tkdv}f. ]of{ obwf k`atfbqfm }ofkt bqqf} b el} yoftf k`

alnzbtkql` }ofkt fzf`mk}vtf obq k`atfbqfm efqq.

]ofkt `vndft lg dtv`aofq b`m fnzel{ffq obq k`atfbqfm yoftfd{ }of{ obwf dff` bdef }l olem }ofkt

itlqq fzf`mk}vtf gtln dfk`i lv} lg }ofkt ob`m.

4.6.=Tkqc Fxzlqvtf8

Lzftb}kl`be tkqc8 Bq }ofkt itlqq fzf`mk}vtf obq il`f vz dfabvqf lg }ofkt k`atfbqfm `vndft lg

dtb`aofq% fnzel{ffq b`m wbtklvq ba}kwk}kfq% }ofkt lzftb}kl`be tkqc beql obq il`f vz b ykmf nbtik`.

Ekrvkmk}{ tkqc8 Mvf }l okioft fzf`mk}vtf lg Qobohbebe Kqebnk Db`c% }of{ obwf }l dtk`i nl`f{

gtln }ofkt ekrvkm bqqf} qkmf }l qzf`m. Bq b tfqve} }ofkt avttf`} bqqf} qkmf dfalnf yfbcft b`m

k`atfbqf }of tkqc lg ekrvkmk}{ dbeb`af. Kg }oftf kq b ovif mfnb`m lg yk}omtbybe lt mfnb`m glt elb`}of` k} ykee dfalnf }lvioft glt }ofn }l nb`bif }of ekrvkm bnlv`}.

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1.: ALNZBTKQL@ BNL@I WBTKBDEFQ

Qe. Wbtkbdef4::

6

4::

7

&

aob`if

4::

9

&

aob`if

4::

?

&

aob`if

4::

;& aob`if

2@l. lg

fnzel{ffq1=: 199 2:.??& 666 =9.42& ?9? 6?.4:&

24;

;=9.;6&

4 @l. lg Dtb`aofq 27 42 12.46& 47 41.?2& 11 47.;4& 62 6=.66&

1 Itlqq K`alnf274

2

467

16?.22&

16?

;=:.:1&

64?

6=9.47&

922

91=.77&

=Itlqq

Fzf`mk}vtf

222

;

292

?

61.61&449

=

14.17&1=9

6

64.?2&6:9

7

=7.:9&

6 @f} K`alnf 467 =71 ?:.?7& 7=9 1;.9=& ?2? 47.=1&2:9

21:.;1&

((abeaveb}kl`> s/{fbt 4 mb}b{fbt 2 mb}b+,{fbt 2 mb}b~(2::

K` lvt bqqki`fm wbtkbdefq yf qff }ob}% }of{ obwf mktfa} lt k`mktfa} tfeb}kl` }l k`alnf q}b}fnf`} b`m

dbeb`af qoff}. Qvao bq itlqq k`alnf% itlqq fzf`mk}vtf b`m `f} k`alnf btf mktfa} k}fnq lg k`alnf

q}b}fnf`}. @l. lg fnzel{ffq ykee alq} nltf bmnk`kq}tb}kwf fzf`qfq ql k} kq tfeb}fm }l k`alnf

q}b}fnf`} k` b zbqqkwf nb``ft. L` }of l}oft ob`m% `l. lg dtb`aofq ykee tfrvktf okio alq} yokao

bggfa}q k`alnf q}b}fnf`} tfqve}q. @l. lg dtb`aofq beql al`q}k}v}fq bqqf}q lg }of db`c ql k} kq tfeb}fm

}l dbeb`af qoff}.

K` 4::7% `l. lg dtb`aofq k`atfbqfm d{ 12.46& dv} `l. lg fnzel{ffq k`atfbqfm d{ 2:.??&

nfb`k`i }ob} k` 4::6 }oftf yftf nltf }ob` f`lvio fnzel{ffq. ]okq {fbt itlqq fzf`mk}vtf b`m

itlqq k`alnf k`atfbqfm d{ nltf }ob` 6:& yokao tfqve} k` b `f} k`alnf lg ?:&% yokao kq }of

okiofq} gtln 4::64::;. Nfb`k`i }ob} k`atfbqf k` `l. lg dtb`aofq if`ftb}fm nltf abqo gelyq

gtln fzb`mfm nbtcf} qkxf yk}o tfeb}kwfe{ elyft fzf`mk}vtf.

K` 4::9% k`atfbqf k` `l. lg fnzel{ffq kq }ykaf lg }of k`atfbqf k` `l. lg dtb`aofq. K`atfbqf k` itlqq

k`alnf b`m fzf`mk}vtf kq elyft }ob` k`atfbqf k` 4::7. ]of nlq} knzlt}b`} }ok`i kq% `f} k`alnf

k`atfbqfm d{ 1;.9=& yokao obq mfatfbqfm b el} }ob` }ob} lg 4::7 dv} }okq qelyft k`atfbqf ab` df

b}}tkdv}fm }l tfmva}kl` k` k`atfbqf lg `l. lg dtb`aofq.

K` 4::?% bee }of zftaf`}bif k`atfbqfq btf okioft }ob` }ob} lg 4::9 fafz} `f} k`alnf. Nlq}

ztldbde{% k`atfbqf k` itlqq k`alnf alvem `l} lggqf} }of k`atfbqf k` l}oft }otff wbtkbdefq qk`af bee

lg }ofn k`avt alq}q. Bq b tfqve}% `f} k`alnfq k`atfbqf dfalnfq qelyft.

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K` 4::;% & k`atfbqf k` `l. lg dtb`aofq benlq} dfabnf mlvdefm lg 4::? yoftfbq l}oft }otff

wbtkbdefq faevmk`i `f} k`alnf k`atfbqfm d{ b elyft zftaf`}bif }ob` }ob} lg 4::?.B`m @f}

k`alnf k`atfbqfm b} b qekio}e{ okioft zftaf`}bif. ]okq nkio} df tfqve} lg nkfm geva}vb}kl`q lt

mvf }l qlnf l}oft tfbql`q.

=.: GV]VTF LG KQEBNKA DB@CK@I K@ DB@IEBMFQO

Gv}vtf lg kqebnk db`cq k` Db`iemfqo ab` fqke{ df ztfmka}fm d{ ellck`i b} }of zftgltnb`af tfwkfy lg

qobohbebe kqebnk Db`c. Qobohbebe Kqebnk Db`c kq l`f lg }of }lz db`cq k` bnl`i }of kqebnk db`cq

al`mva}k`i dvqk`fqq k` Db`iebmfqo. K} obq betfbm{ qoly` b wft{ dtkio} ztlqzfa} bq b gk`b`akbe k`q}k}v}kl`.

]of{ obwf dff` bdef }l k`atfbqf }ofkt `f} k`alnf% bqqf}q% dtb`aofq% `vndft lg fnzel{ffq% tf}vt` l` bqqf}%

tf}vt` l` frvk}{ f}a. K` tfaf`} {fbtq }of{ obwf dff` bdef }l b}}tba} }of avq}lnftq b el} b`m obwf fbt`fm BB

k` atfmk} tb}k`i glt }ofkt zftgltnb`afq k` tfaf`} {fbtq.

K` alnzbtkql` }l alnnftakbe db`cq% }ofkt qftwkaf kq q}kee efqq qlzokq}kab}fm b`m nltf }tbmk}kl`be. Kg }of{

ab` knztlwf }ofkt }fao`lelikabe qkmfq }of` }of{ obwf b wft{ illm gv}vtf. ]ofkt `vndft lg dtb`aofq mkm`}

k`atfbqf }ll nvao. D{ tfwkqk`i }ofkt q}tf`i}oq b`m yfbc`fqqfq% }okq db`c ykee fbqke{ df bdef }l abz}vtf

ebtift nbtcf} qobtf k` db`ck`i k`mvq}t{.

Qbnf bzzekfq glt bee l}oft kqebnk db`cq k` Db`iebmfqo. Bee lg }ofn obwf illm ztlqzfa}q dfabvqf zflzef

k` Db`iebmfqo btf nlq}e{ k`gevf`afm d{ tfekikl`. ]ob} kq yo{ bee }of kqebnk db`cq% obwk`i elyft `vndft

lg dtb`aofq f`hl{k`i df}}ft ztlgk} }ob` al`wf`}kl`be db`cq. ]okq bmwb`}bif obq dff` zftafkwfm d{ l}oft

al`wf`}kl`be db`cq. ]ob} kq yo{% }of{ btf lzf`k`i qfzbtb}f yk`iq l`e{ glt kqebnk db`ck`i. K} kq aefbt }ob}

k` `f} alnk`i {fbtq% kqebnk db`cq k` Db`iebmfqo ykee df k` k`}f`qf alnzf}k}kl` dfabvqf qlnf l}oft db`c

ykee q}bt} }okq db`ck`i b`m q}kee }okq zbt}kavebt db`ck`i ykee bdlv} nltf ztlgk}q glt }of db`cq.

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7/23/2019 Shahjalal Islami Bank-Performance Analysis

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6.: AL@AEVMK@I TFNBTCQ

]otlviolv} }of q}vm{ k} obq dff` qff` }ob} Qobohbebe Kqebnk Db`c obq dff` nbk`}bk`k`i b` vzybtm }tf`m

lg zftgltnb`af. ]of{ btf zebafm l` }of }lz k` }of ekq} lg nlq} ztlgk}bdef db`cq k` Db`iebmfqo% }olvio btf

qnbeeft }ob` b`{ alnnftakbe db`c k` }ftnq lg dtb`aofq. Bq b` Kqebnka qobtkbo dbqfm db`c% }of{ ml `l}

al`mva} dvqk`fqq yk}o k`}ftfq} yokao efbmq }ofn }l mkqbmwb`}biflvq zlqk}kl` k` alnzf}k}kl` yk}o

alnnftakbe db`c dv} l`f bmwb`}bif kq }ob} }of{ btf `l} mktfa}e{ tfeb}fm }l k`}ftfq} tb}f tkqcq. Dv} q}kee }of{

btf nltf ztlgk}bdef }ob` b`{ l}oft db`c. Qobohbebe Kqebnk Db`c qolvem gltnveb}f zleka{ }l bzztfakb}f k}q

q}tf`i}oq lggqf} mkqbmwb`}bifq }l f`qvtf k}q itly}o b`m fzb`qkl` b`m nbcf itfb}ft al`}tkdv}kl` }lybtmq

fal`lnka mfwfelznf`} lg Db`iebmfqo.

K` b `v}qofee% yf ab` qb{ }ob} }of db`cq zftgltnb`af kq knztlwk`i lwft }knf b`m kg }okq }tf`m tfnbk`q

al`qkq}f`} k` gv}vtf% k} ykee f`hl{ b ikib`}ka zlqk}kl` k` }of gkfem lg alnzf}k}kl`.

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7.: TFGFTF@AFQ

2. Atkqe Atfmk} Tb}k`i tfzlt}%So}}z8,,yyy.atkqedm.aln,Mlavnf`},BeeTb}k`iq,QHKDE\2::=2:\164\2.zmg^

4. Gk`b`akbe Q}b}fnf`}q lg Qobohbebe Kqebnk Db`c 4::94::;

Syyy.qobohbebedb`c.aln.dm,^

1. B` Fbte{Ybt k`i Q{q}fn glt Kqebnka Db`cq Zftgltnb`af d{ NBONLLM O. BE

LQBKN[% Bqqlakb}f ZtlgfqqltBONFM Q. DBNBCOTBNBO% Ztlgfqqlt Fal`lnkaq

Mfzbt}nf`} . Gbave}{ lg Fal`lnkaq b`m Bmnk`kq}tb}kl`%Ck`i Bdmve.Bxkx V`kwftqk}{ . Hfmmbo .

Qbvmk BtbdkbSo}}z8,,yyyadbfmvcy,feqbccb,292.Be.Lqbkn{\:7zmg

=. Kqebnka Db`ck i d{ Nlobnfm Bdmfeobnkm% Mfzbt}nf`} lg Fal`lnkaq Abtef}l` V`kwftqk}{%

So}}z8,,yyy.`xkdl.aln,KD4,Bdmfeobnkm.zmg^

6. K@]FT]FNZLTBE ZFTGLTNB@AF8MLFQ DB@CQKXF NB]]FT2:?76

?. ABNFEQ Tb}k`i lg Db`cq Db`iebmfqo% Zvdekqofm 46 Gfdtvbt{ 4::?

So}}z8,,yyy.tfzlt}dm.aln,deliq,22,ABNFEQTb}k`ilgDb`cqDb`iebmfqo.o}ne^

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