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:[email protected], 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 : [email protected], 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
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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
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