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An Internship Report on National Bank of Pakistan

Date post: 05-Apr-2018
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    >3% @EXZMHWKX@ME

    Ecx`meci Jced mo ^cd`{xce "EJ ) `{ meg mo xbg igch`ef jced{ `e ^cd`{xce vmzd`ef

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    ^zckx`kg `exgfz`xp bmeg{xp ceh bczh vmzd% Vg jgi`gg xbcx xbg{g czg agc{wzg{ mo

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    Ce `eemcx`g kzgcx`g ceh hpeca`k `e{x`xwx`me zg{~meh`ef xm xbg kbcef`ef

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    3%:% Mwz A`{{`me

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    3%;% Mwz _`{`me

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    xgkbemimfp ceh owiip kc~cjig mo ~zm`h`ef swci`xp {gz`kg xm {xcdgbmihgz{ vb`ig

    kma~igagex`ef xbg [xcxg Jced mo ^cd`{xce `e ckb`g`ef `x{ mjlgkx`g{%

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    xbg Ecx`meci Jced mo ^cd`{xce Mzh`ecekg 3080 `e mzhgz xm km~g v xb xbg kz`{`{

    kmeh`x`me{ vb`kb vgzg hggim~gh coxgz xzchg hgchimkd v`xb @eh`c ceh hgciwcx`me mo

    @eh`ce Zw~gg `e 3080% @e`x`ciip xbg Jced vc{ g{xcji`{bgh v`xb xbg mjlgkx`g xm grxgeh

    kzgh`x xm xbg cfz`kwixwzg {gkxmz% Xbg emzaci ~zmkghwzg mo g{xcji`{b`ef c jced`ef

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    kma~cep wehgz xbg Kma~ce`g{ Icv vc{ {gx c{`hg ceh xbg Jced vc{ g{xcji`{bgh xbzmwfb

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    xm g{xcji`{b `x{ moo`kg{ `e xbg Kmxxme fzmv`ef czgc{ ceh grxgehgh kzgh`x ock`i x`g{

    i`jgzciip `e mzhgz xm zg{xmzg {xcj`i`xp xm xbg aczdgx% @e 3073 xbg kmwexzp vc{ mekg cfc`e

    ockgh v`xb c kz`{`{ `e xbg kmxxme xzchg vbge ~z`kg{ vc{ kzc{bgh ceh xmwkbgh xbg imvg{x

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    kmiicjmzcx`me v`xb xbg kmxxme jmczh ~zm`hgh xbg egkg{{czp Kzgh`x ock`i`x`g{ xm xbg xzchg

    ceh xbg kz`{`{ vc{ x`hgh mgz% Xbg ecxwzg mo zg{~me{`j`i`x`g{ mo xbg Jced `{ h`oogzgex ceh

    we`swg ozma mxbgz jced{-o`ecek`ci `e{x`xwx`me{% Xbg Jced ckx{ c{ xbg cfgex xm xbg [xcxg

    Jced mo ^cd`{xce omz bcehi`ef ^zm`ek`ci-Oghgzci Fmgzeagex Zgkg`~x{ ceh ^cpagex{

    me xbg`z jgbcio% Xbg Jced bc{ ci{m ~icpgh ce `a~mzxcex zmig `e o`ecek`ef xbg kmwexzp{

    fzmv`ef xzchg vb`kb bc{ gr~cehgh xbzmwfb xbg pgcz{ c{ h`gz{`o`kcx`me xmmd ~ickg%3

    Xbg Ecx`meci Jced mo ^cd`{xce bc{ `x{ bgchswczxgz{ `e Dczckb` ^cd`{xce% Xbg jced

    m~gzcxg{ 3:80":>>2) jzcekbg{ `e ^cd`{xce ceh ::":>>2) mgz{gc{ jzcekbg{% Wehgz c

    xzw{x Hggh xbg jced ci{m ~zm`hg{ {gz`kg{ c{ xzw{xgg xm Ecx`meci @eg{xagex Xzw{x

    "E@X) `ekiwh`ef {cog kw{xmhp mo {gkwz`x`g{ me jgbcio mo E@X% Xbg Ecx`meci Jced mo

    ^cd`{xce bc{ c{{gx{ vmzxb Zw~gg{ 6;606?%88 a`ii`me me [g~xgajgz ;> :>>2%:

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    `e{x`xwx`me% @x bc{ hggim~gh c v`hg zcefg mo kme{wagz ~zmhwkx{ xm gebcekg jw{`eg{{

    ceh kcxgz xm xbg h`oogzgex {gfagex{ mo {mk`gxp% [mag {kbgag{ bcg jgge {~gk`o`kciip

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    hg{`fegh omz xbg imv xm a`hhig `ekmag {gfagex{ mo xbg ~m~wicx`me% Xbg{g `ekiwhg EJ^

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    Xbg Ecx`meci Jced mo ^cd`{xce bc{ `a~igagexgh {~gk`ci kzgh`x {kbgag{ i`dg {acii

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    {xwhgex{ {gio ga~impagex {kbgag omz wega~impgh ~gz{me{ ~wji`k xzce{~mzx {kbgag%

    Xbg Jced bc{ gr~cehgh `x{ zcefg mo ~zmhwkx{ ceh {gz`kg{ xm `ekiwhg [bcz`cb Kma~i`cex

    @{ica`k Jced`ef ~zmhwkx{% Omz xbg ~zmamx`me mo i`xgzcxwzg EJ^ zgkgexip `e`x`cxgh xbg

    Ceewci Cvczh{ omz Grkgiigekg `e I`xgzcxwzg% EJ^ v`ii kmeogz ceewci cvczh{ xm xbg jg{x

    jmmd{ `e Wzhw ceh `e cii ~zma`egex zgf`meci icefwcfg{ ~wji {bgh hwz`ef xbg hgo`egh

    ~gz`mh% ^cxzmecfg ozma EJ^ vmwih bgi~ kzgcx`g vmzd `e xbg o`gih mo i`xgzcxwzg% Xbg

    Jced `{ ci{m xbg iczfg{x {~me{mz mo {~mzx{ `e ^cd`{xce% @x bc{ ~zm`hgh fgegzmw{ip xm

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    @x bc{ xcdge cz`mw{ agc{wzg{ xm ock`i`xcxg mgz{gc{ ^cd`{xce { xm {geh xbg`z zga`xxcekg{

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    Vg{xgze We`me omz gr~ceh`ef xbg jc{g omz hmkwagexgh zga`xxcekg{% Amzg zgkgexip `x

    bc{ {xczxgh Gigkxzme`k Bmag Zga`xxcekg{ ^zmlgkx% Xb`{ ~zmlgkx `exzmhwkg{ xgkbemimfp

    jc{gh {p{xga xm bcehig `evczh zga`xxcekg{ goo`k`gexip jp ge{wz ef xbcx xbg Jced&{

    jzcekbg{ dgg~ c xzckd mo xbg zga`xxcekg zgkg gh ozma cjzmch x`ii `x{ o`eci zgkg`~x%

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    bwace zg{mwzkg{%

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    Xbg ~zgk`{g {waaczp mo Ecx`meci Jced mo ^cd`{xce zgfczh`ef `x{ kmwexzpv`hg ceh

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    mo ^cd`{xce Mzh`ecekg 3080 ceh vc{ 3>>' fmx%!mvegh% EJ^ ckxgh c{ ce cfgex

    mo xbg Kgexzci Jced vbgzggz xbg [xcxg Jced h`h emx bcg `x{ mve Jzcekb% @x

    ci{m wehgzxmmd Fmgzeagex Xzgc{wzp m~gzcx`me{% @x{ o`z{x jzcekbg{ vgzg `e lwxg

    fzmv`ef czgc{ `e Gc{x ^cd`{xce% Moo`kg{ `e Dczckb` ceh Icbmzg omiimvgh%

    307> EJ^ g{xcji`{bgh c jzcekb `e Lghhcb [cwh` Czcj`c%

    Xbg Jced `e 307> bch meg {wj{ h`czp Xbg Jced mo Jcbcvci~wz me

    Hgkgajgz8 3086 jp xbg omzagz Jcbcvci~wz [xcxg

    3077 Jp xb`{ x`ag EJ^ bch jzcekbg{ `e Imehme ceh Kcikwxxc%

    3076 EJ^ g{xcji`{bgh c jzcekb `e Jcfbhch @zcs%

    30?: EJ^ g{xcji`{bgh c jzcekb `e Hcz!g{![cicca Xcefcep`dc%

    30?8 Xbg @zcs` fmgzeagex ecx`meci`|gh EJ^&{ Jcfbhch jzcekb%

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    bm{x`i`x`g{ jgxvgge @eh`c ceh ^cd`{xce%

    30?6 Xbg Xce|ce`ce fmgzeagex ecx`meci`|gh xbg Hcz!G{![cicca jzcekb%

    3063 EJ^ cksw`zgh Jced mo Kb`ec&{ xvm jzcekbg{ meg `e Dczckb` ceh meg cx

    Kb`xxcfmef% Cx {g~czcx`me mo Gc{x ^cd`{xce EJ^ im{x `x{ jzcekbg{ xbgzg% EJ^

    agzfgh v`xb Gc{xgze Agzkcex`ig Jced ceh v`xb Gc{xgze Jced Kmz~mzcx`me%

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    3068 Xbg fmgzeagex mo ^cd`{xce ecx`meci`|gh EJ^% C{ ~czx mo xbg kmekma`xcex

    kme{mi`hcx`me mo xbg jced`ef {gkxmz EJ^ cksw`zgh Jced mo Jcbcvci~wz "g{x%

    3086)%

    3066 EJ^ m~gegh ce moo{bmzg jzc`e Kc`zm%

    3008 EJ^ cacifcacxgh Agbzce Jced "g{x% 3003)%

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    ^cd`{xce` jced{ xm m~gzcxg `e xbg WD% EJ^ ceh We`xgh Jced cfzggh xm agzfg

    xbg`z m~gzcx`me{ xm omza ^cd`{xce @exgzecx`meci Jced mo vb`kb EJ^ vmwih mve

    87' ceh We`xgh Jced 77'%

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    >;% ECXWZGMO ECX@MECI JCEDMO ^CD@[XCE

    Ecx`meci Jced mo ^cd`{xce vc{ `ekmz~mzcxgh `e ^cd`{xce wehgz xbg Ecx`meci Jced mo

    ^cd`{xce Mzh`ecekg 3080 ceh `{ i`{xgh me cii xbg {xmkd grkbcefg{ `e ^cd`{xce% Xbg jced

    `{ gefcfgh `e ~zm`h`ef kmaagzk`ci jced`ef ceh zgicxgh {gz`kg{ `e ^cd`{xce ceh

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    Xzw{x Hggh xbg jced ci{m ~zm`hg{ {gz`kg{ c{ xzw{xgg xm Ecx`meci `eg{xagex Xzw{x

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    Xbg ecxwzg mo zg{~me{`j i`x`g{ mo xbg Jced `{ h oogzgex ceh we`swg ozma mxbgz

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    ~zm`ek`ci-Oghgzci Fmgzeagex zgkg`~x{ ceh ~cpagex{ me xbg`z jgbcio% Xbg Ecx`meci

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    kmwexzp vb`kb `ekiwhg%

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    ~zmo`x ceh im{{ {bcz`ef ckkmwex{%

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    jgbcio mo ki`gex{ ekiwh`ef Fmgzeagex ceh imkci cwxbmz`x`g{%

    Fgegzcx`ef wehgzxcd`ef ~zmamx`ef gxk% mo `{{wg mo {bczg{ ceh jmeh{ gxk%

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    Xzce{ckx`ef fwczcexgg ceh `ehgae`xp jw{`eg{{%

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    Zg{gzg{ 3>> 3:7 3:2 38? 328

    @eg{xagex{ 3>> 3>7 08 383 338

    [mwzkg"Ceewci Zg~mzx :>>0!

    :>3>

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    Xbg jw{`eg{{ miwag mo Ecx`meci Jced mo ^cd`{xce `{ {xcxgh `e xgza{ mo xmxci c{{gx{

    hg~m{`x{ chcekg{ zg{gzg{ ceh `eg{xagex{% Xm cecip|g xbg xzgeh `e xbg{g `xga{ xbg

    Bmz`|mexci cecip{`{ mo gckb `xga `{ kcikwicxgh%

    >7% JZCEKB EGXVMZDMO ECX@MECI JCEDMO ^CD@[XCE

    V`xb xbg fgmfzc~b`kci hggim~agex mo `x{ jzcekbg{ xbg Ecx`meci Jced mo ^cd`{xce bc{

    jgge cjig xm grxgeh `x{ {gz`kg{ xm c awkb iczfgz ewajgz mo ^cd`{xce`{ cii mgz xbg

    kmwexzp% Xmhcp xbg Jced bc{ amzg xbce 2%2 a`ii`me ckkmwex{ / Jced ac`exc`e{ `x{

    ~zg{gekg `e cii xbg aclmz o`ecek`ci kgexgz{ mo xbg vmzih xbzmwfb `x{ :: ":>>2) mgz{gc{

    jzcekbg{ ceh 7 zg~zg{gexcx`g moo`kg{% Mo xbg{g xbzgg zg~zg{gexcx`g moo`kg{ bcg

    zgkgexip jgge {gx w~ cx Xc{bdgex "W|jgd`{xce) Jcdw "C|gzjc lce) ceh Ciacxp

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    xbg H`zgkxmz{ ceh xbg [ge`mz Acecfgagex v`xbmwx hgigfcx`ef `x{ ~mi`kp!acd`ef

    ~mvgz{ xm xbg Acecfgagex ceh {bcii ge{wzg xbcx xbg Acecfgagex `{ `e xbg bceh{

    mo swci`o`gh ~gz{meegi%

    Xbg Jmczh {bcii c~~zmg ceh ge{wzg `a~igagexcx`me mo ~mi`k`g{ `ekiwh`ef jwx

    emx i`a`xgh xm `e czgc{ mo Z`{d Acecfgagex Kzgh`x Xzgc{wzp / @eg{xagex

    @exgzeci Kmexzmi [p{xga ceh Cwh`x @X [gkwz`xp Bwace Zg{mwzkg Gr~geh`xwzg

    Ckkmwex`ef / H`{kim{wzg ceh cep mxbgz m~gzcx`meci czgc vb`kb xbg Jmczh acp

    hgga c~~zm~z`cxg ozma x`ag xm x`ag% Xbg Jmczh {bcii ci{m jg zg{~me{`jig xm

    zg`gv ceh w~hcxg ~mi`k`g{ ~gz`mh`kciip ceh vbgeggz k`zkwa{xcekg{ lw{x`op%

    C{ zgfczh{ @exgzeci Cwh`x mz @exgzeci Kmexzmi c {g~czcxg hg~czxagex {bcii jg

    kzgcxgh vb kb {bcii jg aceegh ~zgogzcjip jp ~zmog{{ meci{ zg{~me{`jig xm

    kmehwkx cwh`x mo xbg Jced _cz`mw{ H``{ me{ Moo`kg{ ceh We`x{ Jzcekbg{ gxk%

    Xbg Bgch mo xb`{ hg~czxagex v ii zg~mzx h zgkxip xm xbg JMH mz Jmczh

    Kmaa`xxgg me @exgzeci Cwh`x%

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    Xbg jw{`eg{{ kmeh`x`me{ ceh aczdgx{ czg ggz kbcef`ef ceh {m czg xbg`z

    zgsw`zgagex{% Xbg Jmczh xbgzgomzg `{ zgsw`zgh xm ge{wzg gr`{xgekg mo ce

    googkx`g Acecfgagex @eomzacx`me {p{xga xm zgac`e owiip `eomzagh mo xbg

    ckx``x`g{ m~gzcx`ef ~gzomzacekg ceh o`ecek`ci kmeh`x`me mo xbg `e{x`xwx`me xbg

    ge`zmeagex `e vb`kb `x m~gzcxg{ xbg cz`mw{ z`{d{ `x `{ gr~m{gh xm ceh xm

    gciwcxg ~gzomzacekg mo xbg Acecfgagex cx zgfwicz `exgzci{%

    m Xbg Omiimv`ef xcjig agex`megh xbg ecag{ / hg{`fecx`me mo Jmczh mo

    H`zgkxmz{ mo Ecx`meci Jced mo ^cd`{xce%

    Ecag Hg{`fecx`me

    [pgh Ci` Zc|c Kbc`zace / zg{`hgex

    Az% [`dcehcz Bcpcx Lcaci` H`zgkxmz

    A`ce Dcw{cz Bcaggh H`zgkxmz

    Az% @jzcz C% Awaxc| H`zgkxmz

    Az%Xcz`s D zace` H zgkxmz

    Az% Awbcaach Cz{bch Kbcwhbzp H`zgkxmz

    Az% Ambcaach Cpwj Dbce Xcz`e H`zgkxmzAz%Gdbics

    Cbagh [gkzgxczp Jmczh mo H`zgkxmz{

    [mwzkg "Ceewci Zg~mzx :>3>)

    2%:% [GE@MZACECFGAGEX

    Xbg {ge`mz acecfgagex mo Ecx`meci Jced mo ^cd`{xce `{ kme{`{x{ mo Fzmw~ kb`go{ vbm

    zg~mzx h`zgkxip xm xbg H`zgkxmz{ mo Jced% Xbg vbmig owekx`me{ mo Ecx`meci Jced mo

    ^cd`{xce czg ~gzomzagh wehgz xbg{g Fzmw~{% Xbg Ecx`meci Jced mo ^cd`{xce bc{

    omiimv`ef fzmw~{ ceh h``{`me{%

    Kmz~mzcxg ceh `eg{xagex Jced`ef Fzmw~

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    M~gzcx`me{ Fzmw~

    Kzgh`x Acecfgagex Fzmw~

    Cwh`x / @e{~gkx`me Fzmw~

    Kma~i`cekg Fzmw~

    BZA / Cha`e`{xzcx`me Fzmw~

    Kmaagzk`ci / Zgxc`i Jced`ef Fzmw~

    Xzgc{wzp Acecfgagex Fzmw~

    [~gk`ci C{{gx{ Acecfgagex Fzmw~

    Ga~impgg{ jgego`x / H`{jwz{gagex{ Fzmw~

    Mgz{gc{ / Kmmzh`ecx`me Fzmw~

    @{ica`k Jced`ef

    Kmzg Jced`ef C~~i`kcx`me ^AM

    O`ecek`ci Kmexzmi H``{`me

    @eomzacx`me Xgkbemimfp Fzmw~

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    [mwzkg "Ceewci Zg~mzx :>3>)

    2%:%3% KMZ^MZCXG / @E_G[XAGEX JCED@EF FZMW^

    Xbg kmz~mzcxg / `eg{xagex jced`ef fzmw~ `{ bgchgh jp Az% Ac{mmh Dcz`a [bc`db%

    Xb`{ fzmw~ ~gzomza{ `x{ owekx`me xbzmwfb `x{ omiimv`ef xvm we`x{%

    Kmz~mzcxg Jced`ef

    @eg{xagex Jced`ef

    Xbg kmz~mzcxg ceh `eg{xagex jced`ef v`ii kmex`ewg xm ~icp c aclmz zmig `e imce

    {peh`kcx`me{ {xzwkxwzgh o`ecek`ef ceh hgjx - kc~ xci zc`{`ef xzce{ckx me{ v`xb xbg

    mjlgkx`g mo ~zm`h`ef gex`zg zcefg mo kmz~mzcxg ceh `eg{xagex jced`ef {miwx`me{ xm `x{

    ciwgh ki`gex{ wehgz meg wajzgiic%

    Xbg Kmz~mzcxg Jced`ef Fzmw~ ckb`ggh grkgiigex zg{wix{ `e :>>6 v`xb c ewajgz mo

    icehaczd xzce{ckx`me{ `e kgagex gegzfp kmaawe`kcx me ceh ogzx i`|gz {gkxmz{% @e

    Ecag Fzmw~ Ecag / Hg{`fecx`me

    Ac{mmh Dcz`a [bc`db [G_^ / Fzmw~ Kb`go Kmz~mzcxg / @eg{xagex Jced`ef Fzmw~

    [bcb`h Cevcz Dbce [G_^ / Fzmw~ Kb`go Kzgh x Acecfgagex Fzmw~

    Hz% C{`o C% Jzmb` [G_^ / Fzmw~ Kb`go M~gzcx`me{ Fzmw~

    @aca Jcdb{b Jcimkb [G_^ / Fzmw~ Kb`go Cwh x / @e{~gkx`me Fzmw~\`cwiicb Dbce [G_^ / Fzmw~ Kb`go Kma~i`cekg Fzmw~

    Hz% A`z|c Cjzcz Jc`f [G_^ / Fzmw~ Kb`go Bwace Zg{mwzkg{ Acecfgagex / Cha`e`{xzcx`me F

    Cagz [`hh`sw` [G_^ / Fzmw~ Kb`go Kmaagzk`ci / Zgxc`i Jced`ef Fzmw~

    Awbcaach Ew{zcx

    _mbzc [G_^ / Fzmw~ Kb`go Xzgc{wzp Acecfgagex Fzmw~

    Ca`a Cdbxcz G_^ / [M xm xbg zg{`hgex

    Gdbics Cbagh G_^ / [gkzgxczp Jmczh mo H`zgkxmz{

    Xclcaaci Bw{{c`e Jmdbczgg G_^-H``{`meci Bgch [~gk`ci C{{gx{ Acecfgagex Fzmw~

    Az{% Dbwz{b`h Acs{mmh Ci G_^ / H``{`meci Bgch Ga~impgg Jgego x{ H`{jwz{gagex{ / Xzw{xgg H`

    Xcb`z Pcsmmj G_^ / Fzmw~ Kb`go Mgz{gc{ Kmmzh`ecx`me / Acecfgagex Fzmw~

    Cevcz Cbagh Aggec` G_^ / H``{`meci Bgch @{ica`k Jced`ef

    Ecgga

    [pgh G_^ / Bgch Kmzg Jced`ef C~~i`kcx`me AM

    Cca`z

    [cxxcz

    O`ecek`ci Kmexzmiigz / H``{`meci Bgch O`ecek`ci Kmexzmi

    H``{`me

    Cx`o Bc{{ce Dbce Fzmw~ Kb`go "C) @eomzacx me Xgkbemimfp Fzmw~

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    chh`x`me xm xbg owehgh `ekmag mwz kmz~mzcxg ceh `eg{xagex jced`ef bc{ {wj{xcex`ciip

    `ekzgc{gh `x{ ogg jc{g `ekmag xb`{ pgcz jp jg`ef xbg igch ch`{mz `e c ewajgz mo

    xzce{ckx`me{ `e xbg kmz~mzcxg vmzih mo ^cd`{xce

    Xbg kbciigefg{ xm kmz~mzcxg jw{`eg{{ `e pgcz :>>6 vgzg ace`omih `ekiwh`ef zghwkx`me `e

    ^z`cxg Kzgh`x @eg{xagex c{ c zg{wix mo {imv`ef hmve mo gkmemap c{ vgii c{ z`{`ef

    `exgzg{x zcxg{% Xbg `ekzgc{`ef ~zg{{wzg me xbg xgrx`ig `ehw{xzp zghwkgh xbg igeh`ef xm xb`{

    {gkxmz% @e chh`x`me xbg jced&{ kmz~mzcxg imce{ p`gih{ ci{m ockgh ~zg{{wzg c{ {wj{x`xwxg

    omza mo oweh`ef {mwzkg{ czg cc`icjig `e xbg aczdgx `e omza mo @{ica`k o`ecek`ef awxwci

    oweh{ `{{wcekg mo hgjx `e{xzwagex{ i`dg XOK{ ceh Jmeh{ ceh xbg Kc~`xci aczdgx{%

    Hg{~`xg xbg{g xbzgcx{ ceh kbciigefg{ cx EJ^ mwz kmz~mzcxg xgca emx meip `ekzgc{gh xbg

    miwag c{ vgii c{ xbg p`gih mo xbg imce{ xbgp ci{m ac`exc`egh c {xzmef ozcekb`{g v`xb xbg

    igch`ef ^cd`{xce` kmz~mzcxg {m c{ xm ge{wzg xbcx EJ^ emx meip ac`exc`e{ `x{ aczdgx {bczg

    jwx `{ `e c ~m{`x`me xm aggx cep kbciigefg{ `e owxwzg% EJ^ hwz`ef xbg pgcz ci{m

    ~czx`k`~cxgh `e c ewajgz mo XOK `{{wg{ ceh awxwci oweh{ {wj{kz`~x`me{ xbgzgjp

    `ekzgc{`ef xbg mgzcii p`gih me `eg{xagex ~mzxomi`m%

    EJ^ bc{ xbg iczfg{x gsw`xp ~mzxomi`m e xbg jced`ef {gkxmz ~z`acz ip hwg xm :6' bmih`ef

    `e E@X we`x{ xbg iczfg{x awxwci oweh `e ^cd`{xce% Hwz`ef xbg pgcz :>>2 xbg jced

    zghggagh 3>' mo `x{ E@X bmih`ef kmgzgh wehgz ImK vb`kb zg{wixgh `e kc~`xci fc`e mo

    Z{% 3%2 j`ii`me `e :>>2%

    Xbg Ecx`meci Jced mo ^cd`{xce bc{ `e`x`cxgh c {xzwkxwzgh c~~zmckb xm kmz~mzcxg jced`ef

    jp `exzmhwk`ef c {`efig ~m`ex mo kmexckx xbzmwfb Zgicx`me{b`~ Acecfgz{% Omz xb`{

    ~wz~m{g egv Zgicx`me{b`~ Acecfgz{ c{ vgii c{ xgca igchgz{ bc{ jgge `ehwkxgh xm

    gr~gh`xg xb`{ ~zmkg{{% Xbg Czgc Acecfgz{ mo Ecx`meci Jced mo ^cd`{xce czg c~~m`exgh

    xm acecfg zgicx`me{b`~{ ceh xm jgxxgz {gz`kg xbg eggh{ mo awix`ecx`meci{ ceh iczfg imkci

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    kmz~mzcxg% Ce `eg{xagex jced`ef xgca bc{ ci{m jgge omzagh jp Ecx`meci Jced mo

    ^cd`{xce xm moogz {~gk`ci`|gh {gz`kg{ xm aclmz zgicx`me{b`~{ `ekiwh`ef ch`{mzp ceh hgjx

    {peh`kcx`me{% Xbg Ecx`meci Jced m ^cd`{xce bcg {~gk`ci omkw{ me Kmz~mzcxg Jced`ef

    v`xb c ~zg{gekg `e cii aclmz imkcx`me{ xbzmwfb mwx xbg kmwexzp moogz`ef owii zcefg mo

    Jced`ef ~zmhwkx{ - {gz`kg{ ceh meg v`ehmv `exgzockg xbzmwfb hg{`fecxgh Zgicx`me{b`~

    Acecfgz{% Kmz~mzcxg Jced`ef moogz{ xc`imz achg ~zmhwkx{ - {miwx`me{ c{ zgsw`zgh jp

    kmz~mzcxg kw{xmagz{ vb`kb `ekiwhg{%

    Xbg dgp ogcxwzg{ mo kmz~mzcxg Jced`ef `ekiwhg{%

    Owehgh ock`i`x`g{ zcef`ef ozma {bmzx xm agh`wa ceh imef xgza igeh`ef

    Xzchg zgicxgh o`ecek`ef%

    Omzg`fe kwzzgekp o`ecek`ef%

    Cii {mzx{ mo eme!owehgh ock`i`x`g{ - {gz`kg{ vb`kb `ekiwhg Kc{b zgkg`~x{ -

    ~cpagex{ Zga`xxcekg{ Kmiigkx`me{ fwczcexgg{ igxxgz mo kzgh`x gxk%

    Kw{xma`|gh ~zmhwkx{ - {miwx`me{

    2%:%:% KMA^I@CEKG FZMW^

    Xbg Kma~i`cekg Fzmw~ mo Ecx`meci Jced mo ^cd`{xce `{ bgchgh jp Az% \`cwiicb Dbce

    ceh `{ zg~mzx h`zgkxip xm xbg ^zg{`hgex- Kb`go grgkwx`g mo EJ^% @e mzhgz xm dgg~ xbg

    vmzd`ef mo Cwh`x Hg~czxagex ci`fegh v`xb xbg jg{x `exgzecx`meci ~zckx`kg{ &Kma~i`cekg

    Fzmw~ bc{ jgge kzgcxgh% Xb`{ fzmw~ `{ zg{~me{`jig omz ame`xmz ef kma~i`cekg mo

    cz`mw{ cha`e`{xzcx g - m~gzcx`g `e{xzwkx me{ zwig{ ceh zgfwicx me{ jp kme{xcexip

    zg`gv`ef ceh zg~mzx`ef {xcxw{ mo kma~i`cekg ceh eme!kma~i`cekg% Xbg Kma~i`cekg

    Fzmw~ mo EJ^ `{ {gx xm ge{wzg xbcx cii zgigcex icv{ czg kma~i`gh v`xb `e igxxgz ceh

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    {~`z`x ceh xbw{ a`e`a`|g igfci ceh zgfwicxmzp z`{d{% Xbg Kma~i`cekg moo`kgz{ v`ii

    ~z`acz`ip jg zg{~me{`jig omz Jced{ googkx`g kma~i`cekg zgicx`ef xm%

    Zgigcex ~zm`{`me{ mo gr`{x`ef icv{ ceh zgfwicx`me{%

    Fw`hgi`eg{ omz DPK%

    Cex` amegp icwehgz`ef icv{ ceh zgfwicx`me{%

    X`agip {wja`{{`me mo ckkwzcxg hcxc - zgxwze{ xm zgfwicxmz ceh mxbgz cfgek`g{%

    Ame`xmz ceh zg~mzx {w{~`k`mw{ xzce{ckx`me{ xm ^zg{`hgex - Kb`go Grgkwx`g

    Moo`kgz mo xbg jced ceh mxbgz zgicxgh cfgek`g{%

    Xbg Kma~i`cekg Moo`kgz{ v`ii {gzg c{ c kmexckx ~m`ex jgxvgge ^zg{`hgex -Kb`go

    grgkwx`g moo kgz{ ceh {ge`mz acecfgagex v`xb zgfczh xm owekx me`ef mo

    kma~i`cekg ~zmfzca ~zm`hg c{{`{xcekg `e xb`{ czgc xm jzcekbg{ ceh mxbgz

    hg~czxagex{ mo xbg jced ceh ckx c{ i`c`{me v xb [xcxg Jced mo ^cd`{xce

    kmekgze`ef xbg `{{wg{ zgicxgh xm kma~i`cekg%

    Xbg owekx`me{ mo kma~i`cekg fzmw~ mo Ecx`meci Jced mo ^cd`{xce czg c{ ociimv{%

    [xwhp ceh ga~bc{`|g kma~i`cekg mo jg{x `exgzecx`meci ~zckx`kg{ `e cwh`x mo

    cz`mw{ owekx`me{ mo EJ^%

    Ame`xmz kma~i`cekg mo Cha`e`{xzcx`g-M~gzcx`meci @e{xzwkx`me{ Zwig{

    Zgfwicx`me{ `{{wgh ozma x`ag xm x`ag jp xbg Acecfgagex%

    Zg`gv mgz xbg kma~i`cekg kczz`gh mwx jp xbg cwh`x hg~czxagex{%

    ^zg~czg ceh ~wx w~ c kme{mi`hcxgh Zg~mzx xm xbg H`zgkxmz{ mo Ecx`meci Jced mo

    ^cd`{xce zgfczh`ef xbg {xcxw{ mo kma~i`cekg ceh eme!kma~i`cekg mo xbg

    zgkmaagehcx`me{ cfzggh jp xbg Hg~czxagexci Acecfgagex%

    2%:%;% @[ICA@K JCED@EF FZMW^

    Xbg h``{`meci bgch mo @{ica`k Jced`ef fzmw~ `{ Az% Cevcz Cbagh Aggec`% @{ica`k

    Jced`ef `{ meg mo xbg gagzf`ef o`gih `e fimjci o`ecek`ci aczdgx bc`ef xzgagehmw{

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    ~mxgex`ci ceh fzmv`ef cx c gzp oc{x ~ckg cii czmweh xbg vmzih% Ci!Bcahwi`iicb xbg

    ~zmfzg{{ mo @{ica`k Jced`ef `e ^cd`{xce bc{ ci{m jgge kmaagehcjig hwz`ef xbg ic{x

    O`g pgcz{% Xbg pgcz :>>6 aczdgh xbg o`z{x pgcz mo @{ica`k Jced`ef m~gzcx`me{% Hwz ef

    xbg pgcz wehgz zg`gv `e chh`x`me xm ckx`g ~czx`k`~cx`me `e cz`mw{ [wdwd xzce{ckx`me{

    xvm amzg @{ica`k Jced`ef jzcekbg{ cx Icbmzg ceh ^g{bcvcz {xczxgh m~gzcx`me{% EJ^&{

    ~ice{ omz xbg pgcz :>>2 `ekiwhg m~ge`ef mo Oc`{cicjch ceh Zcvci~`eh` jzcekbg{ v`xb

    xbg omkw{ me fzmv`ef mzfce`kciip jp m~ge`ef amzg {xcehcimeg @{ica`k Jced`ef

    jzcekbg{ wx`i`|`ef EJ^&{ gr`{x ef jzcekb egxvmzd mo 3:>> ~iw{ kmegex meci jzcekbg{

    ceh immd`ef `exm {xzcxgf`k cksw`{`x`me{ omz gr~ce{`me `e xb`{ o`gih% Xbg ~zmhwkx{ /

    {gz`kg{ jg`ef moogzgh jp Ecx meci Jced mo ^cd`{xce{ @{ica`k Jced`ef czg owiip

    [bcz`cb Kma~i`cex ceh bcg jgge kgzx o`gh jp EJ^{ [bcz`cb Ch`{mz% Hg~m{`x

    [kbgag{ jg`ef moogzgh jp EJ^{ @{ica`k Jced`ef Jzcekbg{ `ekiwhg xbg omiimv`ef%

    Kwzzgex Hg~m{`x [kbgag

    ^zmo`x / Im{{ [bcz`ef "^I[) Hg~m{`x [kbgag

    Kmaagzk`ci ceh Kmz~mzcxg kw{xmagz{ zgsw`z`ef o`ecek`ef v`ii bcg xbg omiimv`ef

    o`ecek`ef ock`i`x`g{ cc`icjig xm xbga xm aggx xbg`z zgsw`zgagex{%

    Awzcjcbc

    Awzcjcbc Ock`i`xp

    @lczcb "Igc{`ef)

    @e chh`x`me xm [bcz`cb ckkg~xcjig {xcehczh fgegzci jced`ef {gz`kg{ omiimv`ef {gz`kg{

    czg ci{m jg`ef moogzgh cx xbg @{ica`k Jced`ef Jzcekbg{%

    Igxxgz mo Kzgh`x Ock`i`xp

    Bcehi`ef mo Zga`xxcekg{

    @{{wcekg mo Jced Hzcox{ ceh ^cp Mzhgz{%

    Kmiigkx`me mo Gr~mzx J`ii{%

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    Kmiigkx`me mo Imkci J`ii{%

    Fmgzeagex Kmiigkx`me{

    Wx`i`xp J`ii{ Kmiigkx`me

    2%:%8% XZGC[WZP ACECFGAGEX FZMW^

    Xbg fzmw~ kb`go mo Xzgc{wzp acecfgagex fzmw~ mo Ecx`meci Jced mo ^cd`{xce `{ Az%

    Awbcaach Ew{zcx _mbzc% Xbg EJ^ xzgc{wzp ceh kc~`xci aczdgx fzmw~ bc{ hggim~gh c

    zg~wxcx`me mo jg`ef xbg aczdgx igchgz `e kma`ef w~ v`xb kw{xma`|gh {miwx`me{ omz c

    iczfg ceh cz`gh ki`gex jc{g xbcx `{ {~zgch `zxwciip cii ckzm{{ xbg kmwexzp% Xbg ki`gex

    jc{g hmg{ emx kme{`{x mo meip jiwg kb`~{ meg{ jwx gekma~c{{g{ ~wji`k {gkxmz ki`gex{

    zgxc`i {gkxmz awix`ecx`meci{ imkci kmefimagzcxg{ c{ vgii c{ `eh``hwci{%

    Ecx`meci jced xzgc{wzp `{ kwzzgexip zgfczhgh c{ c aczdgx igchgz `e jmxb omzg`fe

    grkbcefg ceh zw~gg hgema`ecxgh ~zmhwkx{ jgkcw{g mo `x{ ga~bc{`{ me {gz`kg swci`xp%

    Xbg Xzgc{wzp acecfgagex fzmw~ mo Ecx`meci Jced mo ^cd`{xce{ moogz%3?

    Eczzmvg{x j`h - moogz {~zgch ceh sw`kdg{x me i`eg swmxg{

    Kw{xma`|gh {miwx`me{ xm a`e`a`|g z`{d ceh m~x`a`|g zgxwze{ c{ ~gz xbg eggh{ ceh

    k`zkwa{xcekg{ mo xbg ki`gex{

    Omkw{ me jw ih`ef {w{xc`egh ceh imef xgza zgicx`me{b`~ v`xb `e{x`xwx`meci

    kmz~mzcxg ceh zgxc`i ki`gex{%

    Imkci ~zg{gekg ckzm{{ xbg ecx`me c{ vgii c{ `exgzecx`meciip%

    Kwzzgexip xbg Ecx`meci Jced mo ^cd`{xce moogz omiimv`ef Xzgc{wzp ^zmhwkx{%36

    2%:%7% KZGH@X ACECFGAGEX FZMW^

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