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Home > Documents > l;l6hG; Do'r'cn km08 · 0 lwtf]kq ;DaGwL P]g, @)^# / ;fd"lxs nufgL sf]if lgodfjnL, @)^& adf]lhd...

l;l6hG; Do'r'cn km08 · 0 lwtf]kq ;DaGwL P]g, @)^# / ;fd"lxs nufgL sf]if lgodfjnL, @)^& adf]lhd...

Date post: 21-Jul-2020
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0 lwtf]kq ;DaGwL P]g, @)^# / ;fd"lxs nufgL sf]if lgodfjnL, @)^& adf]lhd g]kfn lwtf]kq af]8{df btf{ ePsf] l;l6hG; Do'r'cn km08 cGtu{t ;~rfng x'g] l;l6hG; Do'r'cn km08 - @ sf] ljj/0f k'l:tsf -;fd"lxs nufgL sf]if lgodfjnL, @)^& sf] Joj:yf adf]lhd hf/L ul/Psf]]_ k|lt OsfO{ d"No ? !)÷— b/sf] !),)),)),))) -bz s/f]8_ OsfO{ dWo] aLh k"FhL jfkt Go"gtd !,%),)),))) -Ps s/f]8 krf; nfv_ jf s'n laqmL ePsf] OsfO{ ;ª\Vofsf] Go"gtd !% -kGw|_ k|ltzt OsfO{ sf]if k|j4s >L l;l6hG; a}+s OG6/g];gn lnld6]8nfO{ ;'/lIft /fvL afFsL Go"gtd *,%),)),))) -cf7 s/f]8 krf; nfv_ OsfO{ o; ljj/0f k'l:tsfsf] ztf{g';f/ ;fj{hlgs ?kdf laqmLsf nflu v'Nnf ul/g]5 . of]hgf Joj:yfks tyf sf]if k|a{4ssf] /]l6Ë ug]{ sDkgL M >L O{qmf g]kfn lnld6]8 . sf]if k|a{4ssf] /]l6Ë M “[ICRANP – IR] BBB “(Moderate-credit-quality Rating) of]hgf Aoj:yfkssf] /]l6Ë M [ICRANP]AMC Quality3 (AMC 3)” Adequate Assurance OnManagementQuality of]hgfsf] lsl;d M aGbd'vL . of]hgfsf] cjlw M & jif{ . of]hgf kl/kSj x'g] M OsfO{ afF8kmfF6 ePsf] ldltn] & jif{ . af]8{df of]hgf btf{ ldlt M @)&% / )@ / !^ . g]kfn lwtf]kq af]8{af6 ljj/0f k'l:tsf :jLs[t ldlt M @)&^ / )! / )^ . OsfO{ laqmL v'Nnf x'g] ldlt M @)&^ / )@ / )( . OsfO{ laqmL aGb x'g] ldlt -l56f]df_ M @)&^ / )@ / !# . -a}+ls+u ;do kZrft\_ . OsfO{ laqmL aGb x'g] ldlt -l9nf]df_ M @)&^ / )# / )* . -a}+ls+u ;do kZrft\_ . cfj]bg lbg'kg]{ Go"gtd OsfO{ ;ª\Vof M !)) -Ps ;o_ . cfj]bg lbg kfpg] clwstd OsfO{ ;ª\Vof M @,)),)),))) -b'O{ s/f]8_ . cfj]bg;fy e'QmfgL ug'{kg]{ /sd M zt\k|ltzt\ . k'gZr M laqmL cfJxfg ul/Psf] ;Dk"0f{ OsfO{sf nflu cfj]bg kg{ cfP kZrft\ Go"gtd cjlw Joltt ePkl5 ;"rgf k|sflzt u/L OsfO{ laqmL aGb ul/g]5 . sf]if k|j4{s M l;l6hG; a}+s OG6/g];gn lnld6]8 gf/fo0flx6Lky, b/jf/ dfu{, sf7df8f}+ . kmf]g g+= (&&–! - $$@&*$@ ˆofS; g+=(&&– ! - $@&)$$ Email: [email protected] URL: www.ctznbank.com sf]if ;'kl/j]Ifs M != >L ljdn k|;fb 9sfn– ;/sf/L ;]jfdf #) aif{ sfo{ u/L ;x;lrjsf] kbaf6 cjsfz k|fKt . 7]ufgfM zflGtgu/, sf7df8f}+ . @= >L lzj k|;fb d'gfsdL{ – lqe'jg ljZj ljBfnodf ljut #% aif{sf] lzIf0f sfo{sf] cg'ej . b 7]ufgfM afg]Zj/, sf7df8f}+ . #= >L z+s/ e§/fO{ – @@ jif{eGbf a9L a}lsË If]qdf cg'ea . 7]ufgfM l8NnLahf/, sf7df8f}+ . $= l;=P= k|sfz nD;fn –n]vf k/LIf0f sfo{df !% jif{eGbf a9Lsf] Jofj;flos cg'ej . 7]ufgfM gfuf{h'g, sf7df8f}+ . %= >L lblUjho lji6 - ljlQo tyf k"FhL ahf/ If]qdf !$ jif{eGbf a9Lsf] cg'ej . 7]ufgfM sflndf6L !#, sf7df08f}+ . of]hgf Joj:yfks M -lgisf;g tyf laqmL k|jGwssf] sfo{ ;d]t ug]{_ l;=lj=cfO{=Pn= Soflk6n lnld6]8 /lhi68{ sfof{noM af6'n]3/, l8NnLahf/, sf7df8f}F, g]kfn kmf]g g+=— $$!&&@#, $$!*%@^ Email :[email protected] URL: www.cbilcapital.com.np æof]hgfsf] u'0f:t/ jf k|ltkmnsf] lglZrttfsf] k|Tofe"tL ug{ s[kof nufgL ug'{ eGbf cuf8L ljj/0f k'l:tsf /fd|f];Fu k9\g' xf]nfÆ
Transcript
Page 1: l;l6hG; Do'r'cn km08 · 0 lwtf]kq ;DaGwL P]g, @)^# / ;fd"lxs nufgL sf]if lgodfjnL, @)^& adf]lhd g]kfn lwtf]kq af]8{df btf{ ePsf] l;l6hG; Do'r'cn km08 cGtu{t ;~rfng x'g]

0

lwtf]kq ;DaGwL P]g, @) # / ;fd"lxs nufgL sf]if lgodfjnL, @) & adf]lhd g]kfn lwtf]kq af]8{df btf{ ePsf]

l;l6hG; Do'r'cn km08

cGtu{t ;~rfng x'g]

l;l6hG; Do'r'cn km08 -@

sf]

ljj/0f k'l:tsf

-;fd"lxs nufgL sf]if lgodfjnL, @) & sf] Joj:yf adf]lhd hf/L ul/Psf]]_

k|lt OsfO{ d"No ? !)÷— b/sf] !),)),)),))) -bz s/f]8_ OsfO{ dWo] aLh k"FhL jfkt Go"gtd !,%),)),))) -Ps s/f]8 krf; nfv_ jf s'n laqmL ePsf]

OsfO{ ;ª\Vofsf] Go"gtd !% -kGw|_ k|ltzt OsfO{ sf]if k|j4s >L l;l6hG; a}+s OG6/g];gn lnld6]8nfO{ ;'/lIft /fvL afFsL Go"gtd *,%),)),))) -cf7

s/f]8 krf; nfv_ OsfO{ o; ljj/0f k'l:tsfsf] ztf{g';f/ ;fj{hlgs ?kdf laqmLsf nflu v'Nnf ul/g]5 .

of]hgf Joj:yfks tyf sf]if k|a{4ssf] /]l6Ë ug]{ sDkgL M >L O{qmf g]kfn lnld6]8 .

sf]if k|a{4ssf] /]l6Ë M “[ICRANP – IR] BBB “(Moderate-credit-quality Rating) of]hgf Aoj:yfkssf] /]l6Ë M “[ICRANP]AMC Quality 3 (AMC 3)” Adequate Assurance On Management Quality of]hgfsf] lsl;d M aGbd'vL .

of]hgfsf] cjlw M & jif{ .

of]hgf kl/kSj x'g] M OsfO{ afF8kmfF6 ePsf] ldltn] & jif{ .

af]8{df of]hgf btf{ ldlt M @)&% / )@ / ! .

g]kfn lwtf]kq af]8{af6 ljj/0f k'l:tsf :jLs[t ldlt M @)& / )! / ) .

OsfO{ laqmL v'Nnf x'g] ldlt M @)& / )@ / )( .

OsfO{ laqmL aGb x'g] ldlt -l56f]df_ M @)& / )@ / !# . -a}+ls+u ;do kZrft\_ .

OsfO{ laqmL aGb x'g] ldlt -l9nf]df_ M @)& / )# / )* . -a}+ls+u ;do kZrft\_ . cfj]bg lbg'kg]{ Go"gtd OsfO{ ;ª\Vof M !)) -Ps ;o_ .

cfj]bg lbg kfpg] clwstd OsfO{ ;ª\Vof M @,)),)),))) -b'O{ s/f]8_ .

cfj]bg;fy e'QmfgL ug'{kg]{ /sd M zt\k|ltzt\ .

k'gZr M laqmL cfJxfg ul/Psf] ;Dk"0f{ OsfO{sf nflu cfj]bg kg{ cfP kZrft\ Go"gtd cjlw Joltt ePkl5 ;"rgf k|sflzt u/L OsfO{ laqmL aGb ul/g]5 .

sf]if k|j4{s M

l;l6hG; a}+s OG6/g];gn lnld6]8

gf/fo0flx6Lky, b/jf/ dfu{, sf7df8f}+ .

kmf]g g+= (&&–!-$$@&*$@ ofS; g+=(&&– !-$@&)$$ Email: [email protected]

URL: www.ctznbank.com

sf]if ;'kl/j]Ifs M

!= >L ljdn k|;fb 9sfn– ;/sf/L ;]jfdf #) aif{ sfo{ u/L ;x;lrjsf] kbaf6 cjsfz k|fKt .

7]ufgfM zflGtgu/, sf7df8f}+ .

@= >L lzj k|;fb d'gfsdL{ – lqe'jg ljZj ljBfnodf ljut #% aif{sf] lzIf0f sfo{sf] cg'ej . b

7]ufgfM afg]Zj/, sf7df8f}+ .

#= >L z+s/ e§/fO{ – @@ jif{eGbf a9L a}lsË If]qdf cg'ea .

7]ufgfM l8NnLahf/, sf7df8f}+ .

$= l;=P= k|sfz nD;fn –n]vf k/LIf0f sfo{df !% jif{eGbf a9Lsf] Jofj;flos cg'ej .

7]ufgfM gfuf{h'g, sf7df8f}+ .

%= >L lblUjho lji6 - ljlQo tyf k"FhL ahf/ If]qdf !$ jif{eGbf a9Lsf] cg'ej .

7]ufgfM sflndf6L !#, sf7df08f}+ .

of]hgf Joj:yfks M

-lgisf;g tyf laqmL k|jGwssf] sfo{ ;d]t ug]{_

l;=lj=cfO{=Pn= Soflk6n lnld6]8

/lhi68{ sfof{noM af6'n]3/, l8NnLahf/, sf7df8f}F, g]kfn

kmf]g g+=— $$!&&@#, $$!*%@^

Email :[email protected] URL: www.cbilcapital.com.np

æof]hgfsf] u'0f:t/ jf k|ltkmnsf] lglZrttfsf] k|Tofe"tL ug{ s[kof nufgL ug'{ eGbf cuf8L ljj/0f k'l:tsf /fd|f];Fu k9\g' xf]nfÆ

Page 2: l;l6hG; Do'r'cn km08 · 0 lwtf]kq ;DaGwL P]g, @)^# / ;fd"lxs nufgL sf]if lgodfjnL, @)^& adf]lhd g]kfn lwtf]kq af]8{df btf{ ePsf] l;l6hG; Do'r'cn km08 cGtu{t ;~rfng x'g]

1

@=!= ljifo ;"rL M

qm=;+= ljj/0f

@=@ ljj/0f–k'l:tsfdf k|of]u ePsf k|fljlws tyf cGo zAbfjnLsf] kl/efiff

@=# ljj/0f–k'l:tsf tyf lgj]bg k|fKt ug]{ / lgj]bg a'emfpg] :yfgx?

@=$ ljj/0f–k'l:tsfdf pNn]lvt ljj/0fx?sf] ;Totf tyf nufgLstf{sf] bfloTj ;DaGwdf

# pb\3f]if0f

#=! lgodg lgsfosf] hjfkmb]lxtf g/xg] pb\3f]if0f

#=@ sf]if k|a4{ssf] pb\3f]if0f

#=# of]hgf Joj:yfkssf] pb\3f]if0f

#=$ sf]if ;'kl/j]Ifssf] pb\3f]if0f

$ of]hgf ;DaGwL ;+lIfKt hfgsf/L

% sf]if k|a4{s ;DaGwL hfgsf/L

%=! sf]if k|a4{ssf] gfd

%=@ of]hgf Joj:yfks sDkgLdf z]o/ :jfldTjsf] k|ltzt

%=# sf]if k|a4{s :yflkt ePsf] P]g÷ lgod ;DaGwL ljj/0f

%=$ sf]if k|a4{ssf] ;+lIfKt Oltxf;

%=% sf]if k|a4{ssf k|d'v pb]Zox?

%= sf]if k|a4{ssf] ljut tLg jif{sf] n]vfk/LIf0f ePsf] jf;nft, gfkmf gf]S;fg lx;fa tyf gub k|jfx ljj/0f, -;xfos sDkgL eP ;dli6s[t ?kdf_ tyf ljut tLg jif{sf] k|lt z]o/ cfDbfgL -

clg{Ë k/ z]o/_ / k|lt z]o/ g]6jy{ ;DaGwL ljj/0f

of]hgf Joj:yfks ;DaGwL ljj/0f

=! of]hgf Joj:y.kssf] kl/ro

=@ of]hgf Joj:y.kssf] e.jL o.]hgf tyf /0fgLlt

=# of]hgf Joj:y.kssf] ;~r.ns ;ldltsf] ;+/rgf / k|ltlglwTj;DaGwL Joj:yf

=$ of]hgf Joj:y.kssf] k"FhL ;+/rgf -clws[t k"FhL, hf/L k"FhL tyf r'Qmf k"FhL_ ;DaGwL hfgsf/L

=% of]hgf Joj:y.kssf] ;+:yfks tyf ;~rfns ;DaGwL hfgsf/L

= of]hgf Joj:y.kssf] sd{rf/L ;DaGwL hfgsf/L

=& of]hgf Joj:y.kssf] ;~r.ng cjlw tLg jif{ Joltt e};s]sf] eP ljut tLg jif{sf] / tLg jif{ Joltt e}g;s]sf] eP ;~rfng cjlwe/sf] n]vfk/LIf0f ePsf] -n]vfk/LIf0f gePsf] eP

Joj:yfkgaf6 k|dfl0ft_ jf;nft, gfkmf gf]S;fg lx;fa tyf gub k|jfxsf] ljj/0f

=* of]hgf Joj:y.kssf] n]vf gLlt;DaGwL Joj:yf

=( of]hgf Joj:y.kssf] n]vfk/LIfssf] gfd tyf 7]ufgf

=!) of]hgf Joj:y.kssf] sf/f]af/df c;/ kg{] s'g} ljjfb÷d'2f dfldnf eP ;f]sf] ljj/0f tyf d'2f dfldnf clGtd ?kdf km};nf eO{ hl/jfgf a'emfPsf] eP ;f];DaGwL ljj/0f

=!! of] of]hgfeGbf cufl8sf] of]hgfsf] v'b ;DklQ d"No -g]6 P;]6 Eofn'_ ;DaGwL ljj/0f

=!@ of]hgf Joj:yfkssf] /]l6Ë u/]sf] eP /]l6Ë ug]{ sDkgL tyf /]l6Ë ;ª\s]t

& sf]if ;'kl/j]Ifs tyf sf]if ;'kl/j]Ifs;Fusf]] ;Demf}tf ;DaGwL ljj/0f

&=! sf]if ;'kl/j]Ifssf] gfd, 7]ufgf, pd]/ tyf of]Uotf

&=@ sf]if ;'kl/j]Ifssf] Joj;flos cg'ej, d'Vo k]zf Joj;fo tyf xfn sfod /x]sf] lhDd]jf/L

&=# of]hgf ;DaGwdf sf]if ;'kl/j]Ifssf] e"ldsf

&=$ sf]if k|a4{s / sf]if ;'kl/j]Ifs aLrsf] ;Demf}tfsf d'Vo–d'Vo a'Fbfx?

* of]hgf ;DaGwL hfgsf/L

*=! of]hgf;DaGwL ljj/0f

*=@ of]hgfsf] p2]Zo

*=# of]hgfn] nufgL ug]{ If]q

*=$ ljb]zdf nufgL ug]{ eP ;f] ;DaGwL Aoj:yf

*=% of]hgfsf] laQLo k|If]k0f ;DalGw ljj/0f

*= of]hgfsf] vr{ ;DaGwL ljj/0f

*=& of]hgfsf] d'gfkmf ljt/0fsf] nIo

*=* nufgL tyf nfef+zsf ;DaGwdf nfu" x'g] s/ ;DaGwL Joj:yf

*=( of]hgfsf O{sfOx? csf]{ of]hgfdf x:tfGt/0f x'g]÷gx'g] s'/f / x'g] ePdf ;f]sf] k|lqmof

*=!) v'b ;DklQ d"No u0fgf tyf ;f]sf] k|sfzg ;DaGwL Joj:yf

*=!! of]hgfdf cGt{lglxt hf]lvd tyf ;f]sf] Joj:yfkgsf] nflu Joj:yfkgsf] wf/0ff

( OsfO{ lgisfzg ;DaGwL ljj/0f

(=! OsfO{ laqmL v'nf ul/g] ldlt tyf cjlw

(=@ cfj]bg ;Íng s]Gb| -laqmL s]Gb|_ ;DaGwL hfgsf/L

(=# cfj]bg lbg;Sg] JolQm tyf ;+:yfx?

(=$ vl/b ug{ ;lsg] Go"gtd tyf clwstd OsfO{ ;ª\Vof

(=% OsfO{sf] afF8kmfF6, lkmtf{ e'QmfgL tyf ;"rLs/0f;DaGwL Joj:yf

(= cfj]bg lbbfF Wofg lbg'kg]{ s'/fx?

!) OsfO{wgL -of]hgfsf ;xefuL_ nfO{ k|fKt x'g] clwsf/ tyf ;]jf

!! u'gf;f] ;'Gg] / ;dfwfg ug{] k|s[of

!@ of]hgf Joj:yfkssf] k|lta4tf kq -8\o' 8]lnh]G;\ ;l6{lkms]6_

!# o; ljj/0f k'l:tsfdf 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}F egL ;xL 5fk ug{] ;~rfnsx?sf] gfd tyf

b:tvt

Page 3: l;l6hG; Do'r'cn km08 · 0 lwtf]kq ;DaGwL P]g, @)^# / ;fd"lxs nufgL sf]if lgodfjnL, @)^& adf]lhd g]kfn lwtf]kq af]8{df btf{ ePsf] l;l6hG; Do'r'cn km08 cGtu{t ;~rfng x'g]

2

@=@ ljj/0f k'l:tsfdf k|of]u ePsf k|fljlws tyf cGo zAbfjnLsf] kl/efiff M

-s_ æP]gÆ eGgfn] lwtf]kq ;DaGwL P]g, @) # -;+zf]wg ;lxt_ ;Demg'kb{5 .

-v_ ælgodfjnLÆ eGgfn] ;fd"lxs nufgL sf]if lgodfjnL, @) & -;+zf]]wg ;lxt_ ;Demg'kb{5 .

-u_ ælgb]{lzsfÆ eGgfn] ;fd"lxs nufgL sf]if lgb]{lzsf, @) ( ;Demg'kb{5 .

-3_æaf]8{Æ eGgfn] g]kfn lwtf]kq af]8{nfO{{ ;Demg'kb{5 .

-ª_ æljj/0f k'l:tsfÆ eGgfn] OsfO{sf] ;fj{hlgs lgisf;g cfJxfg ug'{ cl3 of]hgfsf] ;DaGwdf ;Defljt nufgLstf{nfO{ hfgsf/L k|bfg ug]{ k|of]hgsf nflu

lgb]{lzsf adf]lhd k|sfzg ul/g] ljj/0f k'l:tsf ;Demg'kb{5 .

-r_ æ;+sng s]Gb|Æ eGgfn] OsfO{sf] ;fj{hlgs ?kdf lgisf;g tyf laqmLsf nflu cfj]bg kmf/fd a'em\g] tyf OsfO{ afF8kmfF6 k'hf{ / OsfO{wgL k|df0fkq

ljt/0fsf nflu of]hgf Joj:yfks sDkgLn] tf]s]sf] ;+:yf ;Demg' kb{5 .

-5_ ælgisf;g a}+sÆ eGgfn] OsfO{sf] ;fj{hlgs lgisf;g tyf laqmLaf6 ;+sng x'g cfPsf] /sdnfO{ hDdf ug{sf] nflu tf]lsPsf æsÆ au{sf] a}+sx?nfO{

;Demg'kb{5 .

-h_ æsf]if k|j4{sÆ eGgfn] l;l6hG; a}+s OG6/g];gn lnld6]8nfO{ ;Demg'kb{5 .

-em_ æof]hgf Joj:yfksÆ eGgfn] l;=la=cfO{=Pn=Soflk6n lnld6]8nfO{ ;Demg'kb{5 .

- _ æsf]if ;'kl/j]IfsÆ eGgfn] lgodfjnLsf] Joj:yf adf]lhd l;l6hG; Do"r'cn km08sf] ;'kl/j]If0fsf nflu af]8{af6 :jLs[lt k|fKt u/L sf]if k|a4{saf6 lgo'Qm

JolQmx?sf] ;d"xnfO{ ;Demg'kb{5 .

-6_ æl8kf]lh6/LÆ eGgfn] of]hgf cGt{utsf OsfO{wgLx?sf] /]s8{ /fVg], OsfO{ gfd;f/L ;DaGwL sfo{ ug]{, of]hgfsf] nufgLsf] k|ltkmn k|fKt u/L ;f]sf] /]s8{

/fVg], OsfO{wgLx?nfO{ nfefFz ljt/0f ug]{h:tf lgodfjnLn] tf]s]sf] sfo{ ug]{ cg'dlt k|fKt l;=la=cfO{=Pn=Soflk6n lnld6]8nfO{ ;Demg'kb{5 .

-7_ ælgodg lgsfoÆ eGgfn] g]kfn lwtf]kq af]8{, l;l8P;;L P08 lSnol/ª ln=, g]kfn :6s PS;r]Gh, sDkgL /lhi6«f/sf] sfof{no tyf g]kfn /fi6« a}+snfO{

;Demg' kb{5 .

@=# -s_ ljj/0f k'l:tsf k|fKt ug{ ;lsg] :yfg M

qm= ;+ sDkgLsf] gfd / 7]ufgf

!= l;=lj=cfO{=Pn= Soflk6n lnld6]8,af6'n]3/, l8NnLahf/, sf7df8f}F

@= l;l6hG; a}+s OG6/g];gn lnld6]8sf b]zel/sf zfvf dfkm{t .

;fy} of]hgf Joj:yfkssf] j]a;fO6 www.cbilcapital.com tyf sf]if k|j4{ssf] j]a;fO6 www.ctznbank.com jf g]kfn lwtf]kq af8{sf]

j]e;fO6 : www.sebon.gov.np af6 ;d]t x]g{ ;Sg' x'g]5 .

-v_ b/vf:t a'emfpg] :yfgx? M

qm= ;+ :yfgx?

!= g]kfn lwtf]kq af]8{af6 cg'dlt k|fKt u/L cf:jf -ASBA) ;]jfdf ;xefuL a}+s

tyf ljQLo ;+:yfx? / ltgsf zfvf sfof{nox? .

@=$ ljj/0f k'l:tsfdf pNn]lvt ljj/0fx?sf] ;Totf tyf nufgLstf{sf] bfloTj ;DaGwdf M

o; ljj/0f k'l:tsfdf pNn]v ul/Psf ljj/0fx? ;xefuLx?sf] hfgsf/Lsf] nflu P]g tyf lgodfjnL adf]lhd tof/ u/L lgisf;gsf] lgldQ af]8{af6 :jLs[lt

k|fKt ePsf ]5 . o;af6 of]hgfdf ;xefuL x'g rfxg] ;a}nfO{ of]hgfdf ;xefuL x'g'eGbf cufl8 g} of]hgf af/] hfgsf/L k|fKt x'g]5 . of] ljj/0f k'l:tsf

af]8{af6 :jLs[t eP tfklg o;sf] /fd|f];Fu cWoog u/]/ dfq nufgL ug{ ;'emfj ul/G5 . ljj/0f k'l:tsf k|sflzt eP kZrft\ lgisf;g v'nf x'g' cl3 jf ;f]

cjlwdf o; ljj/0f k'l:tsfdf k|sflzt ljj/0fdf s'g} k|sf/sf] pNn]Vo kl/jt{g ePdf ;f]sf] ;fj{hlgs ?kdf hfgsf/L u/fOg]5 .

#= pb\3f]if0f M

#=! lgodg lgsfosf] hjfkmb]lxtf g/xg] pb\3f]if0f M

OsfO{ ;fj{hlgs lgisf;g ug{sf nflu tof/ ul/Psf] o; ljj/0f k'l:tsfnfO{ lwtf]kq ;DaGwL k|rlnt sfg"g adf]lhd g]kfn lwtf]kq af]8{n] :jLs[lt k|bfg

u/]sf] 5 . o;/L k|bfg ul/Psf] :jLs[ltn] ljj/0f k'l:tsfdf plNnlvt s'/fsf] ;Totf jf of]hgf Joj:yfks jf of]hgfsf] cfly{s ;Ifdtfsf] af/]df af]8{n] s'g}

k|sf/sf] k|Tofe"t u/]sf] jf lhDd]jf/L lnPsf] dflgg] 5}g .

Page 4: l;l6hG; Do'r'cn km08 · 0 lwtf]kq ;DaGwL P]g, @)^# / ;fd"lxs nufgL sf]if lgodfjnL, @)^& adf]lhd g]kfn lwtf]kq af]8{df btf{ ePsf] l;l6hG; Do'r'cn km08 cGtu{t ;~rfng x'g]

3

#=@ sf]if k|j4{ssf] pb\3f]if0f M

k|rlnt sfg'g jdf]lhd of]hgf Joj:yfksn] tof/ u/]sf] o; of]hgf, sf]if ;'kl/j]Ifs tyf af]8{sf] :jLs[ltdf ;~rfngdf cfpg]5 . sf]if ;'kl/j]Ifs tyf of]hgf

Joj:yfkssf] ;~rfns ;ldltdf sf]if k|j4{ssf] k|ltlglw ;~rfnsdfkm{t of]hgfsf] Joj;flos tyf lgod;+ut Joj:yfkgdf sf]if k|j4{ssf] ;xeflutf

/xg]5 . ljj/0f k'l:tsfdf ;dfj]z ljj/0f ;To tYo /x]sf 5g\ .

#=# of]hgf Joj:yfkssf] pb\3f]if0f M

of] ljj/0f k'l:tsfdf sf]if k|j4{s, sf]if ;'kl/j]Ifs, of]hgf Joj:yfks tyf k|:tfljt of]hgf ;DaGwL hfgsf/Lx? pNn]v ul/Psf] 5 / nufgLstf{x?nfO{

nufgL ;DjGwL ;';"lrt lg0f{o lng cfjZos s'g} ljj/0f, ;"rgf tyf hfgsf/Lx? n'sfO{Psf] 5}g . o; ljj/0f k'l:tsfdf pNNf]v ul/Psf] ljQLo ljj/0f, cGo

ljj/0f tyf hfgsf/L tyf sfuhftx?sf] ;Totf tyf z'4tf k|lt pQm ljj/0f k'l:tsfdf x:tfIf/ ug]{ xfdL ;+rfnsx?sf] JolQmut jf ;fd'lxs ?kdf

hjfkmb]lxtf axg ub{5f}+ .

#=$ sf]if ;'kl/j]Ifssf] pb\3f]if0f M

of] ljj/0f k'l:tsfdf of]hgf ;DjGwL ;Dk"0f{ hfgsf/Lx? :ki6;Fu /flvPsf] tyf o;n] nufgLstf{nfO{ of]hgfdf nufgLsf nflu ;';"lrt lg0f{odf ;3fp

k'¥ofpg] xfd|f] ljZjf; /x]sf] 5 . of]hgf Joj:yfkssf] of]hgf ;+rfng ug{ ;Sg] Ifdtf tyf lgodfjnLn] tf]s] adf]lhdsf cfjZos k'jf{wf/ Joj:yf tyf

Joj:yfksaf6 pknAw u/fOPsf ljj/0fsf] cfwf/df cWoog ubf{ hfg] a' ];Dd ;To / tYok/s kfOPsf] x'Fbf ljj/0f k'l:tsfsf] :jLs[ltsf nflu k7fpg

;xdlt lbOPsf] 5 . o; ljj/0f k'l:tsfdf of]hgf Joj:yfkg tyf sf]if ;'kl/j]Ifs ;DjGwdf ;dfj]z ul/Psf hfgsf/Lx? xfdLn] hfg]a'em] ;Dd ;To tYo

/x]sf 5g\ .

$= of]hgf;DaGwL ;+lIfKt hfgsf/L M

$=! s of]hgfsf] gfd l;l6hG; Do'r'cn km08 -@

v of]hgfsf] cfsf/ ?= !,)),)),)),))).– -Psca{_

u of]hgfsf] k|sf/ aGbd'vL (Close-Ended)

$=@ s lgisf;g ug{ nfluPsf] OsfO{ ;ª\Vof !),)),)),))) -bz s/f]8_

v k|lt OsfO{ d"No ?= !).– -cIf/]kL bz_

u Go"gtd laqmL x'g'kg]{ OsfO{ ;ª\Vof %,)),)),))) -kfFrs/f]8_

3 clwstd ;sfl/g] OsfO{ ;ª\Vof !@,%),)),))) -afx| s/f]8 krf; nfv_

ª of]hgfsf] cjwL & jif{

r of]hgf kl/kSj x'g] ldlt of]hgfsf] OsfO{ afF8kmfF6 ePsf] ldltn] & jif{ -pQm cjlw kZrft\ of]hgfsf] nufgLnfO{ gubdf kl/0ft u/L

OsfO{wgLx?nfO{ ;dfg'kflts lx;fjn] k|rlnt sfg"gadf]lhd ljt/0f ul/g]_ .

5 OsfO{ laqmL s]Gb|x? g]kfn lwtf]kq af]8{af6 cg'dlt k|fKt u/L cf:jf -ASBA) ;]jfdf ;xefuL a}+s tyf ljQLo ;+:yfx? / ltgsf zfvf sfof{nox? .

h cfj]bsn] vl/b ug'{kg]{ Go"gtd OsfO{ ;ª\Vof !)) -Ps ;o_

em cfj]bsn] vl/b ug{ ;Sg] clwstd OsfO{ ;ª\Vof @,)),)),))) -b'O{ s/f]8_ .

OsfO{ laqmL tyf afF8kmfF6 ;DaGwL Joj:yf OsfO{ ljlqmsf nflu cfj]bg lng] sfo{ ;dfKt ePkZrft\ lwtf]kq lgisf;g tyf afF8kmfF6 lgb]{lzsf, @)&$

adf]lhd OsfO{sf] afF8kmfF6 ul/g] .

6 ;"lrs/0f tyf bf];|f] ahf/ sf/f]jf/ Joj:yf OsfO{x? g]kfn :6s PS;r]Gh ln=df ;"lrs[t u/L sf/f]jf/sf] Joj:yf ul/g] .

$=# of]hgfsf] d'gfkmf ljt/0fsf] nIo of]hgfn] sdfPsf] v'b d'gfkmfsf] cg'kftdf OsfO{sf] cª\lst d"Nosf] cfwf/df d'gfkmf ljt/0f ul/g] . ;l~rt

d'gfkmf (Retained Earning) k'gM nufgLsf nflu pkof]u ul/g]5 .

$=$ OsfO{ vl/b ug{ ;Sg] JolQm tyf ;+:yfx? g]kfnL gful/s, u}/ cfj;Lo g]kfnL , k|rlnt sfg"g adf]lhd btf{ ePsf g]kfnL kmd{, ;+3 ;+:yf, a}+s, ljQLo

;+:yf, aLdf sDkgL, s'g} klg ju{ jf ;d"xn] v8f u/]sf] sf]ifx? h:t} ;+rosf]if, sNof0fsf/L sf]if, u'7L,

cIfosf]if cflbn] o; ljj/0f k'l:tsf cg';f/ hf/L ul/g] OsfO{ vl/b ug{ cfj]bg lbg ;Sg]5g\ .

$=% of]hgf Joj:yfkssf] gfd tyf 7]ufgfM >L l;=lj=cfO{=Pn Soflk6n lnld6]8,af6'n]3/, l8NnLahf/, sf7df8f}F .

:yflkt P]gM sDkgL P]g @) # / lwtf]kq ;DaGwL P]g, @) # .

btf{ ldltM sDkgL /lhi6«f/sf] sfof{nodf btf{ ldltM @) @÷!)÷!& -btf{ g+= ($%÷) @÷) # .

af]8{af6 of]hgf Joj:yfkssf] cg'dlt k|fKt ldltM @)&$÷)#÷@) .

$= of]hgf Joj:yfkssf] n]vfk/LIfssf] gfd tyf

7]ufgf

l;=P= ;'hg sfkm\n] P08 P;f]l;P6\; rf6{8{ Psfp06]06\;, sf7df8f}F .

$=& of]hgfsf] n]vfk/LIfssf] gfd tyf 7]ufgf h]= Pg= pkfWofo P08 sDkgL, rf6{8 Psfp06]06\;, sf7df8f}F .

$=* sf]if ;'kl/j]Ifssf] gfd tyf 7]ufgf != >L ljdn k|;fb 9sfn – 7]ufgfM zflGtgu/, sf7df8f} .

@= >L lzj k|;fb d'gfsdL{ – 7]ufgfM afg]Zj/, sf7df8f} .

#= >L z+s/ e§/fO{ – 7]ufgfM l8NnLahf/, sf7df8f} .

$= l;=P= k|sfz nD;fn – 7]ufgfM gfuf{h'g, sf7df8f}+ .

%= >L lblUjho lji6 – 7]ufgfM sflndf6L !#, sf7df08f}+ .

Page 5: l;l6hG; Do'r'cn km08 · 0 lwtf]kq ;DaGwL P]g, @)^# / ;fd"lxs nufgL sf]if lgodfjnL, @)^& adf]lhd g]kfn lwtf]kq af]8{df btf{ ePsf] l;l6hG; Do'r'cn km08 cGtu{t ;~rfng x'g]

4

$=( /]l6Ë sDkgL tyf of]hgfsf] /]l6Ë ;+s]t /]l6Ë sDkgL M >L O{qmf g]kfn lnld6]8, sf7df08f} .

sf]if k|j4{ssf] /]l6Ë “[ICRANP – IR] BBB “(Moderate-credit-quality Rating) of]hgf Aoj:yfkssf] /]l6Ë M “[ICRANP]AMC Quality 3 (AMC 3)” Adequate Assurance On Management Quality

$=!) nufgLsf If]qx? lgodfjnLsf] lgod #$ / lgod # Pj+ lgb]{lzsfsf] clwgdf /xL of]hgfsf] OsfO{ laqmLaf6 p7]sf] jf

;+sng ePsf] /sd b]xfo adf]lhd s'g} jf ;a} If]qdf nufgL x'g]5 M

!= af]8{df btf{ ePsf] lwtf]kq .

@= ;fj{hlgs lgisf;g ePsf] lwtf]kq .

#= g]kfn :6s PS;r]Gh ln= df ;"rLs[t lwtf]kq .

$= g]kfn ;/sf/n] hf/L u/]sf] jf g]kfn ;/sf/sf] hdfgt jf k"0f{ ;'/lIft x'g] u/L ;/sf/L :jfldTj jf

lgoGq0fdf /x]sf] s'g} ;+:yf jf g]kfn /fi6« a}+sn] hf/L u/]sf] C0fkq, 6«]h/L jLn tyf d'b|f ahf/sf

cGo ;fwgx? .

%= a}+s lgIf]k .

= d'b|f ahf/ pks/0f .

&= af]8{n] tf]lslbPsf] cGo If]qx? .

$=!! of]hgfsf] btf{ tyf x:tfGt/0f ug{ lgo'Qm

l8kf]lh6/Lsf] gfd / 7]ufgf

of]hgf Joj:yfks sDkgL] >L l;=lj=cfO{=Pn= Soflk6n lnld6]8, af6'n]3/, l8NnLahf/, sf7df8f}Fn] g}

l8kf]lh6/Lsf] sfo{ ug]{] .

$=!@ v'b ;DklQ d"No u0fgf tyf ;f]sf] k|sfzg

;DaGwL Joj:yf

;fd"lxs nufgL sf]if lgb]{lzsf, @) ( n] Joj:yf u/] adf]lhd v'b ;DklQ d"No u0fgf ul/g] 5 h;nfO{

k|rlnt sfg"g adf]lhd ;fj{hlgs ul/g] 5 .

%= sf]if k|j4{s;DaGwL hfgsf/L M

%=! sf]if k|j4{ssf] gfd M>L l;l6hG; a}+s OG6/g];gn lnld6]8 .

%=@ of]hgf Joj:yfks sDkgLdf z]o/ :jfldTjsf] k|ltzt M

of]hgf Aoj:yfks sDkgLdf sf]if k|a4{s >L l;l6hG; a}+s OG6/g];gn lnld6]8sf] r'Qmf k"FhLsf] %*= ) k|ltzt z]o/ :jfldTj /x]sf] .

%=# sf]if k|j4{s :yflkt ePsf] P]g÷lgod ;DaGwL ljj/0f M

k|rlnt sDkgL P]g, @) # cGtu{t :yflkt / ;~rflnt Pj+ a}+s tyf ljQLo ;+:yf ;DaGwL P]g, @)&# cg';f/ sf/f]af/ ug{ Ohfht k|fKt u/]sf] .

%=$ sf]if k|j4{ssf] ;+lIfKt Oltxf; M

>L l;l6hG; a}+s OG6/g];gn lnld6]8 sDkgL P]g, @) # adf]lhd ldlt @) #÷) ÷@& ut] g]kfn ;/sf/ sDkgL /lhi6«f/sf] sfof{nodf btf{ eO{ ldlt

@) $÷)!÷)% df g]kfn /fi6« a}+saf6 sf/f]af/ ug{ Ohfht k|fKt ul/ ldlt @) $÷)!÷)& b]lv a}+sn] cfkm\gf] a}+ls+u sf/f]af/ ;+rfng ul/ /x]sf] 5 . o;

a}+ssf ;+rfns Pj+ ;+:yfksx?df a}+lsË If]q, cf}Bf]lus If]q, ;fdflhs If]q, Joj:yfkg tyf Jofkf/sf] If]qdf nfdf] ;dob]lv cfj4 Voflt k|fKt nAw k|ltli7t

JolQmx? /x]sf 5g .

%=% sf]if k|j4{ssf k|d'v p2]Zox? M

a}+ssf] k|aGwkq cg';f/ a}+ss.] d'Vo p2]Zox? b]xfo adf]lhd /x]sf 5g\ M

-s_ a}+ssf lgIf]kstf{ tyf z]o/wgLsf] xslxtsf] ;+/If0f / ;Dj4{g ub}{ ;j{;fwf/0fnfO{ u'0f:t/Lo tyf e/kbf]{ ljQLo ;]jf pknAw u/fpg],

-v_ s[lif, pBf]u, ;]jf, Jofkf/ tyf cGo Jofj;flos ?kn] ;DefJo b]lvPsf pTkfbgzLn Joj;fosf] :yfkgf, ljsf;, lj:tf/ / Ifdtf Pj+

pTkfbsTj j[l4sf nflu cfjZos ljQLo ;fwg cfGtl/s tyf afXo ;|f]taf6 h'6fO{ b]zsf] cf}Bf]lus, Jofkfl/s Pj+ s[lif If]qsf] ljsf;df

ultzLntf Nofpg ;xof]u k'¥ofpg],

-u_ pknAw zLk, >d tyf k"FhLnfO{ plrt kl/rfng u/L u|fdL0f tyf zx/L If]qdf pTkfbg Pj+ /f]huf/L d"ns Joj;fosf] :yfkgf, ;~rfng,

ljsf;, lj:tf/ Pj+ k|j4|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_ d'n'sdf 5l/P/ /x]sf] k"FhLnfO{ PsLs[t u/L ;+:yfut nufgL tyf :j:y k|lt:kwf{sf] dfWodaf6 ljQLo dWo:ytfsf] ;]jf pknAw u/fpg] .

%= sf]if k|j4{ssf] ljut tLg jif{sf] n]vfk/LIf0f ePsf] jf;nft, gf]kmf gf]S;fg lx;fa tyf gub k|jfx

ljQLo ljj/0f, -;xfos sDkgL EP ;dli6s[t ?kdf_, tyf ljut tLg jif{sf] k|lt z]o/ cfDbfgL -clg{Ë k/ z]o/_ / k|lt z]o/ g]6jy{ ;DjGwL ljj/0f M

Page 6: l;l6hG; Do'r'cn km08 · 0 lwtf]kq ;DaGwL P]g, @)^# / ;fd"lxs nufgL sf]if lgodfjnL, @)^& adf]lhd g]kfn lwtf]kq af]8{df btf{ ePsf] l;l6hG; Do'r'cn km08 cGtu{t ;~rfng x'g]

5

>L l;l6hG; a}+s OG6/g];gn lnld6]8sf] ljut tLg jif{sf] n]vfk/LIf0f ePsf] ;dli6s[t jf;nft, gfkmf gf]S;fg lx;fa, gfkmf gf]S;fg afF8kmfF8 lx;fa tyf gub k|jfx

ljj/0f tyf ljut tLg jif{sf] k|lt z]o/ cfDbfgL -clg{Ë k/ z]o/_ / k|lt z]o/ g]6jy{;DaGwL ljj/0f b]xfo adf]lhd /x]sf] 5 .

s= ;dli6s[t jf;nft

ljj/0f jf:tljs -?= xhf/df_

2072/73 2073/74 2074/75 ;DklQ gub tyf a}+s df}Hbft 2,248,115 4,552,523 5,148,467 g]kfn /fi6« a}+sdf /x]sf] df}Hbft 2,842,478 2,190,897 3,690,192 a}+s tyf ljQLo ;+:yfdf /x]sf] df}Hbft 1,050,737 1,568,014 1,989,878

Jo'TkÌ ljlQo pks/0f (Derivative Financial Instruments) - 21,976 36,386 cGo Jofkfl/s ;DklQ - 133,900 142,662 cGo a}+s tyf ljQLo ;+:yfnfO{{ k|bfg ul/Psf] shf{,

;fk6 1,612,794 1,467,127 1,420,646 shf{, ;fk6 tyf lan vl/b 38,714,822 46,015,334 55,598,967 lwtf]kqdf ul/Psf] nufgL 7,529,424 6,800,606 5,616,858 o; jif{sf] s/ ;DklQ - 300,792 114,654

P;f]l;o6x?df nufgL (Investment in Associates) - 31,752 23,903 nufgL ;DklQ - 390,066 287,547 ;DklQ / pks/0f 1,103,781 1,765,809 2,127,954 Voflt tyf cd't{ ;DklQ 5,867 8,734 71,173 :yug s/ ;DklQ 66,275 - - cGo ;DklQ 1,116,167 1,343,435 1,486,416

hDdf ;DklQ 56,290,460 66,590,964 77,755,705 bfloTj

cGo a}+s tyf ljQLo ;+:yfjf6 k|fKt lgIf]k bfloTj 3,935,232 2,501,907 3,335,289 g]kfn /fi6« a}+sjf6 k|fKt lgIf]k bfloTj 2,750 33,578 695,041

Jo'TkÌ ljlQo pks/0f (Derivative Financial Instruments) - - - u|fxsjf6 k|fKt lgIf]k bfloTj 43,457,713 51,700,969 60,605,816 ;fk6L - 5,000 - o; jif{sf] s/ bfloTj - - - Joj:yfx? 92,088 3,079 5,526 :yug s/ bfloTj - 85,477 15,292 cGo bfloTj 631,826 1,880,942 1,554,812 hf/L C0fkq 1,614,032 498,149 498,723

cg's|ldt bfloTj (Subordinated Liabilities) - - - hDdf bfloTj 49,733,641 56,709,101 66,710,498

k"FhL tyf hu]8f

z]o/ kF"hL 3,650,640 6,921,690 8,033,236 z]o/ lk|ldod - 532,795 434 ;l~rt d'gfkmf 1,991,382 765,037 117,422 hu]8fx? 877,937 1,627,468 2,849,829 z]o/wgLdf lglxt hDdf k"FhL tyf hu]8f 6,519,958 9,846,989 11,000,921 lgoGq0f gx'g] :jfy{ 36,861 34,874 44,286 hDdf k"FhL tyf hu]8f 6,556,819 9,881,863 11,045,207 hDdf bfloTj, k"FhL tyf hu]8f 56,290,460 66,590,964 77,755,705

Page 7: l;l6hG; Do'r'cn km08 · 0 lwtf]kq ;DaGwL P]g, @)^# / ;fd"lxs nufgL sf]if lgodfjnL, @)^& adf]lhd g]kfn lwtf]kq af]8{df btf{ ePsf] l;l6hG; Do'r'cn km08 cGtu{t ;~rfng x'g]

6

v= ;dli6s[t Gffkmf–gf]S;fg lx;fj ljj/0f

ljj/0f jf:tljs -?= xhf/df_

2072/73 2073/74 2074/75 Jofh cfDbfgL 3,348,580 4,957,954 7,110,182 Go"gM Jofh vr{ (1,824,058) (3,167,145) (4,881,475) v'b Jofh cfDbfgL -s_ 1,524,523 1,790,809 2,228,707 z'Ns tyf l8:sfp06 cfDbfgL 118,596 461,835 578,046 Go"gM z'Ns tyf l8:sfp06 vr{ (10,057) (36,826) (52,322) v'b z'Ns tyf l8:sfp06 cfDbfgL -v_ 108,539 425,008 525,725 v'b Jofh, z'Ns tyf l8:sfp06 cfDbfgL -s±v_ 1,633,062 2,215,817 2,754,431 ykM v'b Jofkf/ cfo 144,243 134,662 172,485 ykM cGo ;~rfng cfo 422,194 86,723 124,457 hDdf ;~rfng cfo 2,199,499 2,437,202 3,051,374 yk÷Go"gM shf{ -gf]S;fgL_÷gf]S;fgL lkmtf{{ tyf cGo

gf]S;fgL 1,141,350 96,965 (89,317)

v'b ;~rfng cfo 3,340,849 2,534,167 2,962,057 Go"gM ;~rfng vr{ sd{rf/L vr{ (467,828) (585,920) (789,971) cGo ;~rfng vr{ (298,164) (313,515) (375,165) x|f;s§L (75,531) (93,643) (128,351) ;~rfng d'gfkmf 2,499,326 1,541,089 1,668,570 ykM u}/ ;~rfng cfDbfgL - 725,318 27,402 Go"gM u}/ ;~rfng vr{ - (105,936) (16,717) s/ cl3sf] d'gfkmf 2,499,326 2,160,470 1,679,255 Go"gM cfos/ vr{ (462,386) (527,938) (470,661) o; jif{sf] cfos/ 462,386 266,285 536,348 :yug cfos/ - (261,653) 65,687 o; jif{sf] d'gfkmf 2,036,940 1,632,532 1,208,594

Uf= ;dli6s[t gub k|jfx ljj/0f

ljj/0f jf:tljs -?= xhf/df_

2072/73 2073/74 2074/75 sf/f]af/ ;+rfngaf6 gub k|jfx

Jofh, z'Ns, sldzg tyf cGo cfDbfgL k|flKt 3,456,289 4,980,271 7,241,612 ykM nfef+z k|fKtL - 176 174 ykM cGo ;+rfng sfo{jfktsf gub k|flKt 731,070 936,828 232,307 Go"gM Jofh, z'Ns, sldzg tyf cGo cfDbfgL k|flKt

e'QmfgL (1,780,632) (3,090,485) (4,811,511) Go"gM sd{rf/L vr{jfkt e'QmfgL (379,611) (649,025) (676,172) Go"gM cGo ;+rfng vr{jfkt e'QmfgL (305,006) (309,588) (511,497) sfo{ut k"FhL ultljlw cl3sf] sf/f]af/ ;+rfngaf6

gub k|jfx 1,722,110 1,868,177 1,474,913 ;+rfng ;DaGwL rfn" ;DkQL df sdL ÷-j[l4_ shf{, ;fk6 tyf lan vl/b (11,393,290) (7,484,882) (11,457,743) Go"gM cGo ;DklQdf j[l¢ (344,536) (1,126,065) (117,801) (11,737,827) (8,610,947) (11,575,544) ;+rfng ;DaGwL rfn" bfloTj df j[l4÷-sdL_ g]kfn /fi6« a}+s,cGo a}+s tyf ljQLo ;+:yf tyf

u|fxsjf6 k|fKt lgIf]k bfloTjdf j[l4÷-sdL_ 11,611,352 5,037,634 10,383,986 ykM ;fk6L j[l¢ 217,046 6,167 (5,568) ykMcGo bfloTj j[l4÷-sdL_ 106,716 546,706 (494,675)

Page 8: l;l6hG; Do'r'cn km08 · 0 lwtf]kq ;DaGwL P]g, @)^# / ;fd"lxs nufgL sf]if lgodfjnL, @)^& adf]lhd g]kfn lwtf]kq af]8{df btf{ ePsf] l;l6hG; Do'r'cn km08 cGtu{t ;~rfng x'g]

7

cfos/ e'QmfgL cl3sf] sf/f]af/ ;+rfngaf6 v'b gub

k|jfx 1,919,397 (1,152,263) (216,889) Go"gM cfos/ e'QmfgL (437,703) (571,062) (354,138) sf/f]af/ ;+rfngaf6 v'b gub k|jfx 1,481,693 (1,723,325) (571,027) nufgL sf/f]af/af6 gub k|jfx Go"gMlwtf]kqdf ul/Psf] nufgL j[l4 (1,978,295) (238,989) (68,600) ykM lwtf]kq nufgLsf] ljls|af6 k|fKtL÷-e'QmfgL_ - (10,001) 1,194,960 Go"gM :yL/ ;DkQLdf j[l4 (278,099) (297,977) (490,925) ykM:yL/ ;DkQLsf] ljls|af6 k|fKtL 400,686 292,099 5,227 Go"gM cd't{ ;DklQdf j[l4 (Investment in Intangible assets) - (74,501) (65,675) ykM cd't{ ;DklQsf] ljls|af6 k|fKtL - - - Go"gM nufgL ;DklQdf j[l4 - - - ykM nufgL ;DklQsf] ljls|af6 k|fKtL - - 102,519 ykM Jofh k|fKtL 123,183 122,453 300,909 ykM nfef+z k|fKtL 672 11,432 9,464 nufgL sf/f]af/af6 v'b gub k|jfx (1,731,853) (195,485) 987,880 ljlQo sf/f]af/af6 gub k|jfx ykM C0fkq hf/Laf6 ul/Psf] k|fKtL - - - Go"gM C0fkq e'QmfgL - - - ykM cg's|ldt bfloTj hf/Laf6 ul/Psf] k|fKtL - - - Go"gM cg's|ldt bfloTj e'QmfgL - - - ykM z]o/ hf/Laf6 ul/Psf] k|fKtL 652,406 2,551,811 191,276 Go"gM nfef+z e'QmfgL (35,570) (26,882) (50,468) Go"gM Jofh e'QmfgL (45,304) (42,500) (44,302) Go"gM cGo k|fKtL÷e'QmfgL - 529,390 - ljlQo sf/f]af/af6 v'b gub k|jfx 571,531 3,011,819 96,506 gub tyf a}+s df}Hbftdf v'b j[l¢÷-sdL_ 321,372 1,093,009 513,359 gub tyf a}+sdf /x]sf] z'? df}Hbft 5,781,466 3,399,723 4,568,228 gub tyf a}+s df}Hbftsf] ljlgdo b/df ePsf]

km/saf6 cfDbfgL÷vr{ 38,492 59,791 66,880 gub tyf a}+sdf /x]sf] clGtd df}Hbft 6,141,330 4,552,523 5,148,467

3= ljut tLg jif{sf] k|lt z]o/ cfDbfgL -clg{Ë k/ z]o/_ / k|lt z]o/ g]6jy{;DaGwL ljj/0f

ljj/0f jf:tljs -?= xhf/df_

cf= j= )&@÷&# cf= j= )&#÷&$ cf= j= )&$÷&%

r'Qmf k"FhL 3,650,640 6,921,690 8,033,236 hu]8f tyf sf]if 2,869,318 2,925,299 2,967,685 hDdf g]6jy{ 6,519,958 9,846,989 11,000,921 z]o/ ;ª\Vof -nfvdf_ 36,506,400 69,216,900 80,332,364 k|lt z]o/ g]6jy{ -?_= 178.60 142.26 136.94 g]6jy{df k|ltkmn -Ü_ 31.24% 16.58% 10.99% k|lt z]o/ cfDbfgL -EPS_ 35.25 20.33 15.05

= of]hgf Aoj:yfks;DaGwL ljj/0f

=! of]hgf Aoj:yfkssf] kl/ro

-s_ of]hgf Joj:yfkssf] gfd M >L l;=lj=cfO{=Pn= Soflk6n lnld6]8 .

Page 9: l;l6hG; Do'r'cn km08 · 0 lwtf]kq ;DaGwL P]g, @)^# / ;fd"lxs nufgL sf]if lgodfjnL, @)^& adf]lhd g]kfn lwtf]kq af]8{df btf{ ePsf] l;l6hG; Do'r'cn km08 cGtu{t ;~rfng x'g]

8

-v_ of]hgf Aoj:yfks :yflkt ePsf] P]g÷lgod;DaGwL ljj/0fM

of]hgf Joj:yfks sDkgL M >L l;=lj=cfO{=Pn= Soflk6n lnld6]8, sDkgL P]g, @) # / lwtf]kq ;DaGwL P]g, @) # cGtu{t lwtf]kq Joj;foLM

dr]{G6 a}+s/sf] ?kdf :yfkgf ePsf] xf] .

-u_ of]hgf Aoj:yfkssf] /lhi68{ 7]ufgf M

sf7df8f}F lhNnf, sf7df8f}F dxfgu/kflnsf–##, af6'n]3/, l8NnLahf/, g]kfn .

-3_ of]hgf Aoj:yfkssf] :yfkgfsfnb]lv xfn;Ddsf] ;+lIfKt Oltxf; M

>L l;=lj=cfO{=Pn Soflk6n lnld6]8-;fljssf] g]zgn OGe]i6d]06 P08 Soflk6n dfs]{6_ sDkgL cWofb]z , @) @ cGtu{t ldlt @) @÷!)÷!& df

g]kfn ;/sf/, pBf]u, jfl0fHo tyf cfk"lt{ dGqfno, sDkgL /lhi6«f/sf] sfof{nodf btf{ ePsf] xf] . >L l;l6hG; a}+s OG6/g];gn ln= 4f/f ;xfos

sDkgLsf] ¿kdf v/Lb u/] kZrft ldlt @)&@÷) ÷@@ df g]kfn ;/sf/, pBf]u dGqfno, sDkgL /lhi6«f/sf] sfof{nodf o; sDkgL

l;=lj=cfO{=Pn= Soflk6nsf] gfddf btf{ ePsf] xf] . sDkgLn] lwtf]kq ;DaGwL P]g @) # cGtu{t lwtf]kq Joj;foLM dr]{G6 a}+s/sf] ?kdf sfo{ ug{

g]kfn lwtf]kq af]8{af6 ldlt @)&#÷)%÷! df cg'dltkq k|fKt u/L ;]fxL ldltaf6 dr]{G6 a}+ls+u ;]jf k|bfg ub}{ cfO/x]sf] 5 . sDkgLn] cfkm\gf]

:yfkgfsfn b]lv g} lwtf]kq lgisf;g tyf laqmL k|aGws, lwtf]kq k|Tofe"tL ;]jf, z]o/ /lhi6«f/ ;]jf tyf nufgL Joj:yfkg ;]jf k|bfg ub]{ cfO/x]sf]

5 / ;+:yfut k/fdz{bftfsf] ;]jf k|bfg ug{sf nflu g]kfn lwtf]kq af]8{ ;dIf cg'dltsf] nflu cfj]bg u/]sf] 5 . sDkgLsf] hf/L kF"hL ¿=@# s/f]8 /

r'Qmf k"FhL ¿=@) s/f]8 /x]sf] 5 . sd{rf/L ;~ro sf]ifsf] s/Lj !* k|ltzt nufgL /x]sf] of] sDkgL lgs6 eljiodf ¿=# s/f]8sf] k|fylds

lgisfzg dfkm{t ;j{;fwf/0fnfO{ ;fwf/0f z]o/ hf/L ug]{ k|ls|ofdf /x]sf] 5 . ;fy} o; sDkgLn] ldlt @)&$÷)#÷@) df g]kfn lwtf]kq af]8{af6

of]hgf Joj:yfks tyf l8kf]lh6/Lsf] sfo{ ug]{ cg'dlt k|fKt u/L l;l6hG; Do'r'cn km08cGtu{tsf] klxnf] of]hgf l;l6hG; Do'Ro'cn km08 ! sf]

of]hgf Aoj:yfks÷l8kf]lh6/Lsf] ¿kdf ;dt] sfo{ ul//x]sf] Joxf]/f cg'/f]w5 .

-ª_ of]hgf Joj:yfkssf k|d'v p2]Zox? M

k|aGw kqdf pNn]v eP adf]lhd of]hgf Joj:yfkssf k|d'v p2]Zox? b]xfo adf]lhd /x]sf 5g\ M

!= sDkgLsf z]o/wgLsf] xs lxtsf] ;+/If0f / ;Da4{g ug{] .

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

#= nufgLstf{x?sf] k"FhL ahf/tkm{sf] ljZj;lgotf clea[l4 ug{ cfjZos sfo{ ;~rfng ug{] .

$= gofF tyf xfn sfod k"FhL ahf/;Fu ;DalGwt ;]jfsf] ljsf;÷lj:tf/ ug{ g]kfn lwtf]kq af]8{;Fu cfjZos ;dGjo ug{] tyf

cfjZostfg';f/ :jLs[lt kf|Kt u/L pRr:t/Lo ;]jf k|bfg ug{] .

%= pknAw zLk, >d tyf k"FhLnfO{ plrt kl/rfng u/L u|fdL0f tyf zx/L If]qdf k"FhL ahf/;Fu ;Da4 ;'ljwfx? pknAw u/fpg cfjZos

ljQLo ;fwg, k|fljlws tyf Joj:yfksLo k/fdz{ ;]jf, tflnd tyf k|ljlw pknAw u/fO{ b]zdf kF"hL ahf/sf] ;du| ljsf;sf nflu ;lqmo

?kdf ;+nUg eO{ ;xof]u k'¥ofpg] .

=@ of]hgf Joj:y.kssf] e.jL o.]hgf tyf /0.gLlt M

-s_ Joj;fo÷ ;]jf a[l4sf nflu of]hgf Joj:yfkssf] efjL of]hgf / To:tf] of]hgfsf] k|flKtsf nflu rflng] ;doj4 /0fgLlt M

sDkgLn] ahf/sf] cj:yf x]/L o; of]hgfsf cltl/Qm cGo ljleGg of]hgfx? ;d]t ;~rfngdf Nofpg]5 . af]8{sf] cg'dlt lnO{ lwtf]kq

sf/f]jf/;DaGwL cGo Joj;fox? ug]{ sDkgLsf] of]hgf /x]sf]5 . sDkgLn] ;do ;fk]If cf gf] k|ljlw ;'wf/ u/L cfjZostf cg';f/ zfvf dfkm{t

cf gf] ;]jf lj:tf/ ug]{ tyf o; If]qdf ljljw gofF ;]jf k|bfg ub}{ hfg] /0fgLlt lnPsf]5 .

-v_ k|lt:kwf{, ljBdfg cfly{s l:ylt / ;dfg lsl;dsf] pBf]usf] l:yltsf] cfwf/df of]hgf Aoj:yfkssf] Joj;fosf] eljio M

g]kfnL k"FhL ahf/df ;fd"lxs nufgL sf]ifsf] cjwf/0ff xfn;fn} ljsf; ePsf] xf] . o; k|sf/sf] ;]jf k|bfg ug{ :yflkt sDkgLx? ;]jfsf] kf|ylds

r/0fd} /x]sf 5g\ . o; sDkgLn] cf gf] If]]qdf k|lt:kwL{ /xg cfjZos /0fgLlt tof/ u/]sf]5 . sDkgLn] cf gf] nufgLdf /x]sf hf]lvdx? sd u/L

eljiodf k"FhL ahf/df dxTjk"0f{ :yfg lng] ljZjf; lnOPsf]5 . ahf/df ;+:yfut nufgLstf{sf] ;xeflutf Go'g /x]sf] jt{dfg cj:yfdf o;n]

lwtf]kqsf] ahf/ d"Nodf cfpg ;Sg] c:jefljs ptf/ r9fjnfO{ ;Gt'ngdf Nofpg] tyf hg;fwf/0fsf] nufgLnfO{ plrt tj/n] Joj:yfkg u/L

pgLx?nfO{ plrt k|ltkmn k|bfg ug]{ / ;f] af6 lwtf]kq ahf/df hg;fwf/0fsf] ;xeflutfdf clea[l4 u/L ;du| lwtf]kqsf] ljsf;df ;3fp

k'¥ofpg]5 . ;fy} o; k|sf/sf] Joj;fodf l;=lj=cfO{=Pn= Soflk6n ln= Ps Joj;foLs tyf k|lt:klw{ ;+:yfsf] ?kn] cufl8 a9\g]5 .

Page 10: l;l6hG; Do'r'cn km08 · 0 lwtf]kq ;DaGwL P]g, @)^# / ;fd"lxs nufgL sf]if lgodfjnL, @)^& adf]lhd g]kfn lwtf]kq af]8{df btf{ ePsf] l;l6hG; Do'r'cn km08 cGtu{t ;~rfng x'g]

9

=# of]hgf Joj:y.kssf] ;~r.ns ;ldltsf] ;+/rgf / k|ltlglwTj ;DaGwL Joj:yf M

sDkgLsf] ;~rfns ;ldltsf] ;+/rgf tyf k|ltlglwTj b]xfo adf]lhd /x]sf]5 M

sDkgLsf] ;~rfns ;ldltdf Go"gtd Ps hgf dlxnf k|ltlglw ;'lglZrt ul/g]5 .

=$ of]hgf Joj:y.kssf] k"FhL ;+/rgf -clws[t k"FhL, hf/L k"FhL tyf r'Qmf k"FhL_ ;DaGwL hfgsf/L M

-s_ clws[t k"FhL M @#,)),))) lsQf z]o/sf] k|lt z]o/ ?=!))/- sf b/n] ?=@#,)),)),))) .– -cIf/]kL t]O; s/f]8_ /x]sf] 5 .

-v_ hf/L k"FhL M @#,)),))) lsQf z]o/sf] k|lt z]o/ ?=!))/- sf b/n] ?= @#,)),)),))) .– -cIf/]kL t]O;

s/f]8_ /x]sf] 5 .

-u_ r'Qmf k"FhL M @),)),))) lsQf z]o/sf] k|lt z]o/ ?=!))/- sf b/n] ?= @),)),)),))) .– -cIf/]kL aL;

s/f]8_ /x]sf] 5 .

=% of]hgf Aoj:y.kssf] ;+:yfks tyf ;~rfns;DaGwL hfgsf/L M

-s_ ;+:yfks z]o/wgLx?sf] gfd, 7]ufgf, /fli6«otf, z]o/ :jfldTj -r'Qmf k"FhLsf] cfwf/df_ M

l;= g+= Gffd 7]ufgf /fli6«otf z]o/ :jfldTj

k|ltzt

!= >L l;l6hG; a}+s OG6/g];gn lnld6]8 Gff/fo0flx6L dfu{, sf7df8f}+ g]kfnL 58.60%

@= >L sd{rf/L ;~ro sf]if k'Nrf]s, sf7df8f}+ g]kfnL 17.14%

#= >L gful/s nufgL sf]if gofF afg]Zj/, sf7df8f}+ g]kfnL 3.75%

$= >L w'|a s'df/ >]i7 nlntk'/, ;fg]kf g]kfnL 3.20%

%= >L Kf|bLk hË kf08] sf7df8f}+–!^ g]kfnL 3.20%

^= >L /lj eQm >]i7 nlntk'/, ;fg]kf g]kfnL 2.20%

&= >L /ljGb| eQm >]i7 nlntk'/, ;fg]kf g]kfnL 2.13%

*= >Ldlt ;'eb|f >]i7 nlntk'/, ;fg]kf g]kfnL 1.91%

(= >L clgn bf; >]i7 nlntk'/, ;fg]kf g]kfnL 1.63%

!)= >L /fd sfhL sf]g sf7df8f}+–$ g]kfnL 1.36%

!!= >L k|l;4 axfb'/ kf08] nflhDkf6–@, sf7df8f}+ g]kfnL 1.22%

!@= >L cfhfb >]i7 gSzfn,sf7df8f} g]kfnL 0.88%

!#= >L g/]Gb| ah|frfo{ sf7df8f}+–# g]kfnL 0.86%

!$= >L pd]z >]i7 nlntk'/–# g]kfnL 0.96%

!%= >L lszf]/ eQm >]i7 nlntk'/–# g]kfnL 0.50%

!^= >L ;'lgn zfSo sf7df8f}+ g]kfnL 0.38%

!&= >L Gff/fo0f bf; dfgGw/ sf7df8f}+–!^ g]kfnL 0.07%

hDdf 100%

qm=;+= ljj/0f ;ª\Vof

! d"Vo sDkgL l;l6hG; a}+s OG6/g];gn lnld6]8af6 k|ltlglwx? # hgf

@ cGo ;+:yfks af6 dgf]lgt jf lgjf{lrt ! hgf

# :jtGq ;~rfns @ hgf

$ ;j{;fwf/0f af6 lgjf{lrt ! hgf

hDdf & hgf

Page 11: l;l6hG; Do'r'cn km08 · 0 lwtf]kq ;DaGwL P]g, @)^# / ;fd"lxs nufgL sf]if lgodfjnL, @)^& adf]lhd g]kfn lwtf]kq af]8{df btf{ ePsf] l;l6hG; Do'r'cn km08 cGtu{t ;~rfng x'g]

10

-v_ ;~rfnsx?sf] gfd, kb, pd]/, 7]ufgf, /fli6«otf, z}lIfs of]Uotf / cg'ej M

qm=

;+= gfd kb

pd]/

-jif{_ 7]ufgf /fli6«otf z}lIfs of]Uotf

cg'ej

! >L Uf0f]z /fh kf]v/]n cWoIf $* ;}+a'-

$,sf7df8f}+ g]kfnL

O{=Pd=la=P,

Pdd=la=P,la=Pn

!@ jif{eGbf a9L a}lsË If]qdf pRr

Joj:yfkgdf sfo{/t ;fy} !$ aif{eGbf a9L

Dofg]hd]G6 P;]l;P;g g]kfnsf] pRr txdf

cfa4 .

@ >L Aff]w/fh b]jsf]6f ;~rfns $* u+ua'–

#,sf7df8f}+ g]kfnL Pd= la= P

@@ jif{eGbf a9L a}lsË If]qdf pRrtxdf

/xL sfo{/t /xg'ePsf] .

# >L /fdwg >]i7 ;~rfns ^% l;ld|s–!),

sf7df8f}+ g]kfnL

l8Knf]df Og

ljhg]z

P8ldlg6]«zg P08

sdz{

$) jif{eGbf a9L a}lsË If]qdf pRrtxdf

/xL sfo{/t /xg'ePsf] ..

$ >L w|'a k|= clwsf/L ;~rfns #& b]p/fnL (,

kfNkf g]kfnL rf6{8 PsfpG6]G8

% jif{ /fli6«o afl0fHo a}sdf clws[t :t/sf]

cg'ej ;y} ljut $ jif{b]lv s{drf/L

;~rosf]if df jl/i7 k|jGwssf] ?kdf

sfo{/t .

% >L k|Hjn hË kf08] :jtGq

;~rfns $@

dxf/fhu+h,

sf7df08f} g]kfnL

Pd= la= P, Pd

kmfd{

nf]d; kmdf{;]pl6sN; ln= df, ljut !!

jif{b]lv sfo{sf/L ;~rfns .

>LdtL l/tf ;'j]bL :jtGq

;~rfns %)

d]rLgu/ ^,

emfkf g]kfnL Pd= la= P

ljut @) jif{ b]vL Joj:yfkg ljifodf

lzIf0f k]zfdf sfo{/t .

-u_ ;+:yfksx? s'g} sDkgL÷ ;+:yf ePdf To:tf] sDkgL÷ ;+:yfsf] gfd tyf 7]ufgf, sDkgLn] ug]{ Joj;fo tyf pQm sDkgL÷;+:yfsf ;~rfnsx?sf] gfd -

k|fs[lts JolQm gv'n];Dd_ M

l;=

g+= ;+:yfks sDkgLsf] gfd tyf 7]ufgf Joj;fo

;~rfnsx?sf]

gfd kb

!=

>L l;l6hG; a}+s OG6/g];gn lnld6]8,

gf/fo0flx6Ldfu{,

b/jf/ dfu{, sf7df8f}F

a}+ls+u -…sÚ ju{sf]

jfl0fHo a}+s_

8f= >L z+s/ k|;fb zdf{ cWoIf

>L afns[i0f k|;fO{ ;~rfns

>L k|sfzrGb| d}gfnL ;~rfns

>L kljq s'df/ sfsL{ ;~rfns

>L ljho Wjh sfsL{ ;~rfns

>LdtL 8f= rGbf sfsL{ ;~rfns

>L cjlgGå s'df/ >]i7 Joj;flos ;~rfns

@= sd{rf/L ;~ro sf]if

lqb]jL dfu{, 7d]n, sf7df08f} .

sf]if kl/rfng >L lzlz/ s'df/ 9'+ufgf cWoIf

>L l8NnL /fh zdf{ ;b:o

>L dfwj k|;fb hf]zL ;b:o

>L emSs k|;fb cfrfo{ ;b:o

>L z'/]; ljqmd zfx ;b:o

>L ls/0f s'df/ >]i7 ;b:o

>L t'n;L k|f;fb uf}td ;b:o

sf]if kl/rfng >L /fdrGb| e§/fO{ cWoIf

Page 12: l;l6hG; Do'r'cn km08 · 0 lwtf]kq ;DaGwL P]g, @)^# / ;fd"lxs nufgL sf]if lgodfjnL, @)^& adf]lhd g]kfn lwtf]kq af]8{df btf{ ePsf] l;l6hG; Do'r'cn km08 cGtu{t ;~rfng x'g]

11

#. >L gful/s nufgL sf]if

gofF afg]Zj/, sf7df08f}+.

>L /fdz]v/ v/]n ;b:o

>L rGb| l;+x ;fpb ;b:o

>L sdn]z s'df/ cu|jfn ;b:o

>L slj k|;fb kf7s ;b:o

>L nIdL k|;fb kf}8]n ;b:o

>L czf]s a'9fyf]sL ;b:o

>L /dg g]kfn ;b:o

-3_ ;+u7Lt ;+:yfsf] ;~rfns cGo s'g} sDkgL÷;:+yf;+u cfj4 eP To:tf] ;~rfns / cfj4 ePsf] sDkgL÷;+:yfsf] gfd tyf 7]ufgf M

qm=;+= ;~rfnssf] gfd cfj4 cGo ;:+yfsf] gfd tyf 7]ufgf kb

!= >L u0f]z /fh kf]v/]n >L l;l6hG; a}+s OG6/g];gn lnld6]8, sf7df8f}F . sf=d'= k|d'v sfo{sf/L clws[tdf sfo{/t

@= >L af]w/fh b]jsf]6f >L l;l6hG; a}+s OG6/g];gn lnld6]8, sf7df8f}F . ;xfos k|d'v sfo{sf/L clws[t/sDkgL ;lrjdf sfo{/t

#= >L /fdwg >]i7 >L l;l6hG; a}+s OG6/g];gn lnld6]8, sf7df8f}F . ;xfos k|d'v sfo{sf/L clws[tdf sfo{/t

$= >L w|'a k|= clwsf/L >L sd{rf/L ;~rosf]if, sf7df08f} . jl/i7 k|jGwsdf sfo{/t

%= >L k|Hjn hË kf08] nf]d; kmdf{;]pl6sN; ln= sfo{sf/L ;~rfnsdf sfo{/t

= >LdtL l/tf ;'j]bL ;/:jtL ax'd'vL SofDk; pk k|fWofksdf sfo{/t

-ª_ ;~rfnsx?nfO{ lbOPsf] eQf tyf kfl/>lds ;DaGwL ljj/0f M

-!_ ;~rfns ;ldlt jf cGo pk;ldltsf] a}7sdf pkl:yt eP jfkt k|lt a}7s k|To]s ;~rfns tyf cfdlGqtnfO{ ¿=%,)))÷— eQf k|bfg ul/g]5. t/

To:tf cfdlGqt JolQm sDkgLsf sd{rf/L ePdf lghnfO{ ;f] eQf k|bfg ul/g] 5}g .

-@_ sDkgLsf] sfdsf] l;nl;nfdf b]zleq jf lab]z e|d0fdf hfFbf b]xfoadf]lhdsf] b}lgs tyf e|d0f eQf e'QmfgL lbOg]5 M

-s_ k|yd >]0fLsf] oftfoft, ;'ljwf lan adf]lhd

-v_ xf]6n vr{ lan adf]lhd

-u_ b}lgs eQf M

g]kfnleq g]=? @,%))÷-

ef/tleq ef=? ,)))÷-

ef/tafx]s cGo ;fs{ d'n'sx?df cd]l/sL 8n/ !@%/-

afFsL cGo d'n'sx?df b}lgs cd]l/sL 8n/ #!%/-

-3_Joj;fo k|jw{g vr{ M

ef/tleq ef=? !%,))) /-

ef/tafx]s cGo ;fs{ d'n'sx?df cd]l/sL 8n/ $))/-

afFsL cGo d'n'sx?df b}lgs cd]l/sL 8n/ &))/-

-ª_ ljljw –6}S;L, 6]lnkmf]g, PS;];Aofu]h, ;fdfg 9'jfgL vr{ M

ef/tleq ef=? %,)))/-

ef/tafx]s cGo ;fs{ d'n'sx?df cd]l/sL 8n/ !%) /-

afFsL cGo d'n'sx?df b}lgs cd]l/sL 8n/ #))/-

Page 13: l;l6hG; Do'r'cn km08 · 0 lwtf]kq ;DaGwL P]g, @)^# / ;fd"lxs nufgL sf]if lgodfjnL, @)^& adf]lhd g]kfn lwtf]kq af]8{df btf{ ePsf] l;l6hG; Do'r'cn km08 cGtu{t ;~rfng x'g]

12

= of]hgf Aoj:y.kssf] sd{rf/L;DaGwL hfgsf/L M

-s_ of]hgf Aoj:yfkssf] pRr Jofj:yfksLo txsf sd{rf/Lx?sf] gfd, kb, pd]/, z}lIfs of]Uotf, Joj;flos cg'ej;DaGwL ljj/0f M’

qm=;+= gfd kb pd]/

-jif{_ z}lIfs of]Uotf

cg'ej

-;DalGwt jf cGo_

!= >L ;ld/ k|;fb bxfn k|d'v sfo{sf/L clws[t÷

sDkgL ;lrj $@

l;=P la=sd,

l;=l6=Pd,

– l;=lj=cfO{=Pn= Soflk6n ln= df k|d'v sfo{sf/L clws[tdf

@) dfr{, @)! b]lv sfo{/t .

–l;l6hG; a}+s OG6/g];gn lnld6]8df dfr{ !%,@)!@ b]lv !(

dfr{ @)! ;Dd ;+rfng tyf ljQ k|d'v e} sfo{/t .

–lxdfnog a}+s ln= df km]a|'j/L @!, @))% b]lv dfr{ !$, @)!@

;Dd cfGtl/s n]vf kl/Ifs ljefudf clws[t :t/sf] cg'ej .

@= >L gj/fh lul/ gf= k|d'v sfo{sf/L clws[t

tyf k|d'v ;~rfng clws[t %@ Pd lj P

– l; lj=cfO=Pn Soflk6 lnld6]8df ldlt @)&%.)(. ut] b]lv

gf= k|d'v sfo{sf/L clws[tdf sfo{/t .

– lxdfnog a}s ln= df k|jGws txdf @@ jif{sf] sfof{g'ej .

#= >L z]v/ kf}8]n

k|d'v – nufgL ljefu tyf

sf]if k|jGws

#! la=la=P;=, l;P

kmfOgn

–l;=la=cfO{=Pn= Soflk6n lnld6]8df ldlt

@)&%.)(.@) ut] b]lv k|d'v sfo{/t .

– ljlQo tyf k'FhL jhf/ If]qdf $ jif{ eGbf j9L sfof{g'ej .

$= >L /d]z n'O6]n k|d'v – n]vf, k|zf;g tyf

dfgj ;+;fwg ljefu @& la=la=P;=

– l; la cfO{ Pn Soflk6n lnld6]8df ldlt

@)&$÷!@÷)$ ut] b]lv k|d'v – n]vf ljefudf

sfo{/t .

–n]vf ;DalGw If]qdf & jif{ * dlxgfsf] sfof{g'ej .

%= >L lbIffGt clwsf/L ljZn]ifs– cg';Gwfg ljefu @( lj=P= cg;{ k'hL jhf/df # jif{sf] sfof{g'ej .

= >LdtL cgGtf k'/L k|d'v, nufgL Joj:ykg ljefu #! Pd=lj=P= dr]{G6 a}+lsË / nufgL Joj:ykgdf # jif{sf] sfof{g'ej

&= >LdtL zflGt k'8f;}gL k|d'v, dr]{G6 a}+lsË ljefu $# lj=P

l; la cfO{ Pn Soflk6n lnld6]8df ldlt

@)&@÷@÷)$ ut] b]lv dr]{G6 a}+lsË ljefudf sfo{/t .

ljQLo If]qdf & jif{sf] sfof{g'ej .

-v_ of]hgf Aoj:yfkssf] pRr Aoj:yfksLo txsf clws[tnfO{ lbPsf] eQf tyf kfl/>lds;DaGwL ljj/0f M

qm=;+= gfd kb >fj0f !, @)&$ b]lv cfiff9 d;fGt @)&%sf] Ps

cfly{s jif{sf] tna tyf eQf -¿=_

!= >L ;ld/ k|;fb bxfn * k|d'v sfo{sf/L clws[t –

@= >L gj/fh lul/* gf= k|d'v sfo{sf/L clws[t –

#= >L z]v/ kf}8]n* k|d'v – nufgL ljefu tyf sf]if k|jGws –

$= >L /d]z n'O6]n k|d'v – n]vf, k|zf;g tyf dfgj ;+;fwg ljefu !,@),)))

%= >LdtL cGgGtf k'/L* k|d'v, nufgL Joj:ykg ljefu

Gff]6 M

* lghsf] tnj tyf eQf d"Vo sDkgL >L l;l6hG; a}+s OG6;g]zgn ln= af6 k|bfg ul/Psf] . o; ;+:yfdf d"gfkmf ePdf dfq k|f]T;fxg eQf k|bfg ul/g]5 . * cf=j= @)&%÷& df gofF lgo'Qm ePsf] .

=& of]hgf Joj:y.kssf] ;~r.ng cjlw tLg jif{ JotLt e};s]sf] eP ljut tLg jif{sf] / tLg jif{ JotLt e}g;s]sf] eP ;~rfng cjlwe/sf] n]vfk/LIf0f ePsf] -

n]vfk/LIf0f gePsf] eP Joj:yfkgaf6 k|dfl0ft_ jf;nft, gfkmf gf]S;fg lx;fa tyf gub k|jfxsf] ljj/0f M

Page 14: l;l6hG; Do'r'cn km08 · 0 lwtf]kq ;DaGwL P]g, @)^# / ;fd"lxs nufgL sf]if lgodfjnL, @)^& adf]lhd g]kfn lwtf]kq af]8{df btf{ ePsf] l;l6hG; Do'r'cn km08 cGtu{t ;~rfng x'g]

13

s= jf;nft

ljj/0f jf:tljs -?= xhf/df_

2072/73 2073/74 2074/75 ;DklQ gub tyf a}+s df}Hbft 1,243 680,759 107,441 nufgL ;DklQ 118,387 82,458 66,426 Jofkfl/s ;DklQ÷;fk6L 3,380 34,629 21,389 cGo ;DklQ 530 15,000 85,000 ;DklQ / pks/0f 1,711 7,262 6,361 Voflt tyf cd't{ ;DklQ 89 667 639 :yug s/ ;DklQ - - 2,385

hDdf ;DklQ 125,340 820,775 289,641 bfloTj Jofkfl/s bfloTj 13,640 980 2,949 cGo bfloTj - 699,585 141,092 ;fk6L - 11,167 2,799 Joj:yfx? - 3,079 220 cjsfz ;'ljwf ;DjlGw bfloTj - - 37 :yug s/ bfloTj - 285 -

hDdf bfloTj 13,640 715,096 147,098 k"FhL tyf hu]8f

z]o/ kF"hL 100,000 100,000 170,000 hu]8fx? 11,700 5,679 (27,456) hDdf k"FhL tyf hu]8f 111,700 105,679 142,544 hDdf bfloTj, k"FhL tyf hu]8f 125,340 820,775 289,641

v= gfkmf gf]S;fg lx;fa

ljj/0f jf:tljs -?= xhf/df_

2072/73 2073/74 2074/75 k|ToIf cfo - 33,348 18,887 Go"gM k||ToIf nfut - (3,016) (2,029) s"n cfDbfgL -s_ - 30,332 16,858 cGo cfo -v_ 2,727 9,321 11,416 Go"gM ;~rfng vr{ sd{rf/L vr{ 1,494 6,356 5,913 x|f; sl§ tyf ckn]vg vr{ 152 951 1,824 sfof{no ;+rfng tyf k|zf;lgs vr{ 3,775 4,933 28,491 sfg'gL tyf k]zfut vr{ 1,166 8,987 9,458 nfe÷xfgLsf] dfWdaf6 plrt d"No dfkg ul/g] ljlQo

;DklQsf] plrt d"Nodf v'b kl/jt{g (19,148) 2,133 8,590

lwtf]kq sf/f]jf/df ePsf] gf]S;fgL - 8,582 3,359 cGo vr{ 1,528 592 hDdf ;~rfng vr{ -u_ (12,561) 33,470 58,227 ;~rfng d'gfkmf -s±v–u_ 15,288 6,183 (29,954) Go"gM Jofh vr{ - (972) (425) s/ tyf c;fdfGo sf/f]jf/af6 ePsf] cfDbfgL÷-

vr{_cl3sf] d'gfkmf 15,288 5,212 (30,379)

c;fdfGo sf/f]jf/af6 ePsf] cfDbfgL÷-vr{_ - - -

Page 15: l;l6hG; Do'r'cn km08 · 0 lwtf]kq ;DaGwL P]g, @)^# / ;fd"lxs nufgL sf]if lgodfjnL, @)^& adf]lhd g]kfn lwtf]kq af]8{df btf{ ePsf] l;l6hG; Do'r'cn km08 cGtu{t ;~rfng x'g]

14

s/cl3sf] d'gfkmf 15,288 5,212 (30,379) Go"gM cfos/ Aoj:yf -s±v–u_ 3,899 1,233 (2,100) s= o; jif{sf] Aoj:yf 3,847 947 v= ut jif{ ;Ddsf] Aoj:yf - - u= :yug s/ cfDbfgL÷-vr{_ 52 285 (2,100) v'b d'gfkmf÷ -gf]S;fg_ 11,389 3,979 (28,279)

u= gfkmf gf]S;fg afF8kmfF8 lx;fa

ljj/0f jf:tljs -?= xhf/df_

2072/73 2073/74 2074/75 cfDbfgL ut aif{;Ddsf] ;+lrt d'gfkmf 311 11,700 5,679 o; aif{sf] d'gfkmf 11,389 3,979 (28,279)

s"n 11,700 15,679 (22,600) vr{ ut jif{;Ddsf] ;+lrt gf]S;fg - - - o; jif{sf] gf]S;fg - - - Go"gM k|:tfljt nfefFz - (10,000) (5,000) k|:tfljt af]g; z]o/ hf/L - - - :yug s/ sf]if - - - k'gd'{Nof+sg ;DklQdf nfe - - - ykM sd{rf/L ;'ljwfsf] k'gdf{kg - - 192 Go"gM cGo Jofks cfodf cfos/ - - (48)

s"n - (10,000) (4,856) ;l~rt d'gfkmf÷gf]S:ffg 11,700 5,679 (27,456)

3 = gub k|jfx ljj/0f

ljj/0f

jf:tljs -?= xhf/df_

2072/73 2073/74 2074/75

sf/f]af/ ;+rfngaf6 gub k|jfx 13,115 672,635 (644,685)

gub k|flKt 11,861 26,102 24,500

Jofh k|flKt 1,038.52 1,540 7,064

ykM sldzg tyf z'Ns k|flKt - - -

ykM lwtf]kq sf/f]jf/df ePsf] k|flKt 10,010 (10,715) -

ykM cGo cfDbfgL 813 4,905 578

ykM nufgL Joj:yfkg jfkt k|fKt z'Ns tyf sldzg

- 30,372 16,858

(5,558) (28,313) (44,651)

Go"gMJofh e'QmfgL - (972) (425)

Go"gMsd{rf/L vr{jfkt e'QmfgL (1,492) (6,356) (5,684)

Go"gMcGo ;+rfng vr{jfkt e'QmfgL (2,900) (4,973) (28,491)

Go"gMcfos/ e'QmfgL - (4,933) -

Go"gMcGo vr{ - (2,093) (592)

Go"gMsfg'gL tyf k]zfut vr{ (1,166) (8,987) (9,458)

Page 16: l;l6hG; Do'r'cn km08 · 0 lwtf]kq ;DaGwL P]g, @)^# / ;fd"lxs nufgL sf]if lgodfjnL, @)^& adf]lhd g]kfn lwtf]kq af]8{df btf{ ePsf] l;l6hG; Do'r'cn km08 cGtu{t ;~rfng x'g]

15

sfo{ut k"FhL ultljlw cl3sf] sf/f]af/ ;+rfngaf6 gub k|jfx

6,303 (2,211) (20,151)

;+rfng ;DaGwL rfn" ;DkQL df sdL ÷-j[l4_

(502) (31,190) (56,760)

Jofkfl/s ;DklQ÷;fk6Ldf -j[l¢_÷sdL (29) (27,846) 13,240

cGo ;DklQdf -j[l¢_÷sdL (472) (3,344) (70,000)

;+rfng ;DaGwL rfn" bfloTjdf -sdL_÷j[l4

7,314 706,035 (567,774)

;fk6Ldf -sdL_÷j[l4 - - (8,368)

cGo bfloTjdf -sdL_÷j[l4 - - (558,493)

Joj:yfx?df -sdL_÷j[l4 - - (2,859)

k§f bfloTjdf -sdL_÷j[l4 - - -

Jofkfl/s tyf cGo bfloTjdf -sdL_÷j[l4 7,314 706,035 1,969

nufgL sf/f]af/af6 gub k|jfx (79,541) 16,725 6,344

e'QmfgL ldlt;Dd wf/0f ug]{ nufgL -j[l4_÷sdL - -

:yL/ ;DkQLdf -j[l4_÷sdL (1,886) (7,080) (895)

cGo nufgLdf -j[l4_÷sdL (77,656) 20,929 3,465

nfefz+ cfDbfgL - 2,876 3,774

ljlQo sf/f]af/af6 gub k|jfx 67,000 (9,843) (5,000)

lb3{sflng ;fk6L -Bond, Debentures, etc._ df j[l4÷-

sdL_ - -

r'Qmf k"FhLdf j[l4÷-sdL_ 67,000 - -

cGo bfloTjdf df j[l4÷-sdL_ - - -

g]kfn /fi6« a}+sjf6 k|fKt shf{df j[l4÷-sdL_

- - -

Go"gM C0fkqdf Jofh e'QmfgL

Go"gM nfef+z e'QmfgL - (9,843) (5,000)

gub tyf a}+s df}Hbftsf] ljlgdo b/df ePsf] km/saf6

cfDbfgL÷vr{ - - -

gub tyf a}+s df}Hbftdf v'b j[l¢/ -sdL_ 574 679,517 (643,341)

gub tyf a}+sdf /x]sf] z'? df}Hbft 669 1,243 680,759

gub tyf a}+sdf /x]sf] clGtd df}Hbft 1,243 680,760 37,418

=* of]hgf Aoj:y.kssf] n]vf gLlt ;DaGwL Joj:yf

of]hgf Aoj:y.ksn] g]kfn rf6{8{ PsfpG6]G6\; ;+:yfaf6 lgwf{l/t Nepal Financial Reporting Standard (NFRS) cg'?ksf] n]]vf gLlt kfngf u/]sf]5 .

=( of]hgf Aoj:y.kssf] n]vfk/LIfssf] gfd tyf 7]ufgf

>L ;'hg sfkm\n] P08 P;f]l;P6\; rf6{8{ Psfp06]06\;sf >L ;'hg s'df/ sfkm\n], rf6{8{ Psfp06]06\;nfO{ cfly{s jif{ @)&%/& sf nflu klg n]vfk/LIfs

lgo'Qm ul/Psf] 5 .

=!) of]hgf Aoj:y.kssf] sf/f]af/df c;/ kg{] s'g} ljjfb÷d'2f dfldnf eP ;f] sf] ljj/0f tyf d'2f dfldnf clGtd ?kdf km};nf eO{ hl/jfgf a'emfPsf] eP

;f];DaGwL ljj/0f M ;f] gePsf] .

=!! s= of] of]hgfeGbf cufl8sf] of]hgf (CFM I) sf] k|utL ;DaGwL ljj/0f M

Page 17: l;l6hG; Do'r'cn km08 · 0 lwtf]kq ;DaGwL P]g, @)^# / ;fd"lxs nufgL sf]if lgodfjnL, @)^& adf]lhd g]kfn lwtf]kq af]8{df btf{ ePsf] l;l6hG; Do'r'cn km08 cGtu{t ;~rfng x'g]

16

ljj/0f

@)&% cfiff9 d;fGtsf] n]vfkl/If0f

ePsf] ljlQo ljj/0f -of]hgf

;~rfng ePsf] ldlt @)&$.!!.@)_ -

?=_

@)&% r}q ! ut] ;Ddsf] ckl/is[t

ljlQo ljj/0f -of]hgf ;~rfng

ePsf] ldlt @)&$.!!.@)_ -?=_

s= lwtf]kqdf tyf cGo nufgL

!= ;"rLs[t lwtf]kq 147,009,609 671,017,670 @= ;"rLs[t x'g afFsL lwtf]kq 1,976,601 6,707,700 #= l:y/ cfo pks/0f 30,000,000 80,000,000 hDdf -s_ 178,986,210 757,725,370

v= rfn' ;Dklt a}s df}Hbft 661,387,690 110,873,880 cGo ;Dklt 4,545,925 8,960,228 hDdf -v_ 665,933,615 119,834,108

u= rfn' bfloTj cGo bfloTj (647,511) (4,731,160) hDdf -u_ (647,511) (4,731,160)

s'n ;Dklt -s_+-v_--u_ 844,272,313 872,828,318 of]hgf Joj:yfkg z'Ns 4,602,665 1,988,219 l8kf]lh6/L z'Ns 1,534,222 662,740 sf]if ;'kl/j]Ifs z'Ns 415,000 40,000 v'b ;Dklt 837,720,426 870,137,359

hDdf hf/L OsfO{ ;+Vof 82,000,000 82,000,000 k|lt OsfO{ v'b ;Dklt d'No 10.22 10.61 nfef+Fz ljt/0f 0.00% 0.00% nufgLdf k|ltkmn 2.16% 6.11%

=!! v of]hgfsf] ;Ktflxs v"b ;DklQ d"No -Weekly NAV) sf] ljj/0f M

;KtfxGt ;fKtflxs v'b

;DklQ d"No -?=_ ;KtfxGt

;fKtflxs v'b

;DklQ d"No -?=_

2/12/2074 9.98 1/3/2075 10.18

9/12/2074 10 8/3/2075 10.19

16/12/2074 10.01 15/3/2075 10.19

23/12/2074 10.03 22/3/2075 10.22

30/12/2074 10.06 29/3/2075 10.18

7/1/2075 10.09 4/4/2075 10.2

14/1/2075 10.1 11/4/2075 10.21

21/1/2075 10.12 18/4/2075 10.22

28/1/2075 10.13 25/4/2075 10.2

4/2/2075 10.14 1/5/2075 10.23

11/2/2075 10.15 8/5/2075 10.19

18/2/2075 10.17 15/5/2075 10.21

25/2/2075 10.17 22/5/2075 10.32

;KtfxGt ;fKtflxs v'b

;DklQ d"No -?=_ ;KtfxGt

;fKtflxs v'b

;DklQ d"No -?=_

29/5/2075 10.35 6/9/2075 10.3

Page 18: l;l6hG; Do'r'cn km08 · 0 lwtf]kq ;DaGwL P]g, @)^# / ;fd"lxs nufgL sf]if lgodfjnL, @)^& adf]lhd g]kfn lwtf]kq af]8{df btf{ ePsf] l;l6hG; Do'r'cn km08 cGtu{t ;~rfng x'g]

17

5/6/2075 10.43 13/9/2075 10.64

12/6/2075 10.5 20/9/2075 10.51

19/6/2075 10.38 27/9/2075 10.52

26/6/2075 10.39 4/10/2075 10.62

2/7/2075 10.52 11/10/2075 10.72

9/7/2075 10.5 18/10/2075 10.67

16/7/2075 10.4 25/10/2075 10.46

23/7/2075 10.4 3/11/2075 10.31

30/7/2075 10.37 10/11/2075 10.33

7/8/2075 10.31 17/11/2075 10.28

14/8/2075 10.16 24/11/2075 10.44

21/8/2075 10.04 01/12/2075 10.61

28/8/2075 10.2

=!@ of]hgf Aoj:yfkssf] /]l6Ë u/]sf] eP /]l6Ë ug]{ sDkgL tyf /]l6Ë ;ª\s]t M ldlt @)&%÷)(÷@# sf] kq cg';f/ >L Oqmf g]kfn lnld6]8 af6 æ[ICRANP] AMC Quality 3 (AMC 3)”Adequate Assurance On Management Quality /]l6Ë k|bfg ul/Psf] 5 .

&= sf]if ;'kl/j]Ifs tyf sf]if ;'kl/j]Ifs;Fusf]] ;Demf}tf;DaGwL ljj/0f M

&=! sf]if ;'kl/j]Ifssf] gfd, 7]ufgf, pd]/ tyf of]Uotf M

qm=;+= Gffd 7]ufgf pd]/ of]Uotf ;Demf}tf cjlw

!= >L ljdn k|;fb 9sfn zflGtgu/, sf7df8f}+ . & Pd= laP= -Pd= lkP=_ % jif{

@= >L lzj k|;fb d'gfsdL{ afg]Zj/, sf7df8f}+ . & Pd=laP= % jif{

#= >L z+s/ e§/fO{ l8NnLahf/, sf7df8f}+ @ Pd=P= cy{zf:q % jif{

$= >L k|sfz nD;fn gfuf{h'g, sf7df8f}+ . $% rf6{8{ Psfp06]06 % jif{

%= >L lblUjho lji6 sflndf6L !#, sf7df08f}+ $* Pd=laP= dfs]{l6+u / MIS - Miami University % jif{

&=@ sf]if ;'kl/j]Ifssf] Aoj;flos cg'ej, d'Vo k]zf Aoj;fo tyf xfn sfod /x]sf] lhDd]jf/L M

qm=

;+=

gfd

Aoj;flos cg'ej

d'Vo

k]zf÷Joj;fo

xfn sfod /x]sf] lhDd]jf/L

!= >L ljdn k|;fb 9sfn

;/sf/L ;]jfdf #) aif{ sfo{ u/L ;x;lrjsf]

kbaf6 cjsfz k|fKt . cjsfz k|fKt –

@= >L lzj k|;fb d'gfsdL{ lqe'jg ljZj ljBfnodf ljut #% aif{sf] lzIf0f

sfo{sf] cg'ej . cjsfz k|fKt —

#= >L z+s/ e§/fO{ @@ jif{eGbf a9L a}lsË If]qdf cg'ea k|fWofks k|fWofks k|]lz8]G6 lahg]; :s"n

$= >L k|sfz nD;fn

n]vf k/LIf0f sfo{df !% jif{eGbf a9Lsf]

Jofj;flos cg'ej n]vf k/LIf0f

lk.nD;fn P08 sDkgL, rf6{{{8{ PsfpG6]G6;\ ,kf6{g/

%= >L lblUjho lji6

ljlQo tyf k"FhL ahf/ If]qdf !$ jif{eGbf

a9Lsf] cg'ej . Joj;foL

k"FhL jhf/df nufgL ;DjlGw tflnd tyf

z]o/ ljZn];ssf] ¿kdf ;+nUg

x'g'ePsf] .

&=# of]hgf ;DaGwdf sf]if ;'kl/j]Ifssf] e"ldsf M

k|rlnt sfg'gsf] cwLgdf /xL of]hgf ;~rfng ug{ of]hgfsf] ljj/0f k'l:tsfsf] cWoog u/L ;xdltsf nflu k7fpg cg'df]bg ug]{, of]hgf Joj:yfksn]

k|rlnt sfg'g tyf ;D f}tf adf]lhd sf]ifsf] Joj:yfkg u/]sf] 5 eGg] s'/f ;'lglZrt ug]{, ;xefuLsf] lxt ;+/If0f ug]{, of]hgf Joj:yfks tyf

Page 19: l;l6hG; Do'r'cn km08 · 0 lwtf]kq ;DaGwL P]g, @)^# / ;fd"lxs nufgL sf]if lgodfjnL, @)^& adf]lhd g]kfn lwtf]kq af]8{df btf{ ePsf] l;l6hG; Do'r'cn km08 cGtu{t ;~rfng x'g]

18

l8kf]lh6/Lsf] sfd sf/jfxLsf] ;'kl/j]If0f ug]{, of]hgfsf] v'b ;DklQ d"Nosf] hfFr ug]{, of]hgf cGt{utsf ;DklQ tyf sfuhftx? ;'/lIft;fy /flvP

g/flvPsf] ;'kl/j]If0f ug]{, af]8{af6 :jLs[t of]hgf adf]lhd of]hgf ;~rfn eP gePsf] ;'kl/j]If0f ug]{, of]hgf Joj:yfksn] /fv]sf] clen]v b'?:t /x]

g/x]sf] ;'kl/j]If0f ug]{, of]hgf ;DaGwdf k|fKt u'gf;fx? ;dfwfg eP gePsf] ;'kl/j]If0f ug]{, of]hgf Joj:yfkg ;DaGwL k|ltj]bg tof/ u/L ;do ;dodf

af]8{df k]z ug]{, of]hgf Joj:yfks;Fu of]hgf Joj:yfksn] u/]sf] sfd sf/jfxLaf/] s'g} ljj/0f jf hfgsf/L dfu ug{ ;Sg], dfu ul/Psf] ljj/0f jf

hfgsf/Laf6 jf cGo s'g} >f]taf6 of]hgf Joj:yfkssf] sfd sf/jfxLdf clgoldttf b]lvPdf jf sfd sf/jfxL ;Gtf]ifhgs gb]lvPdf To:tf] sfd sf/jfxL

/f]Sg jf ;Gtf]ifhgs ?kdf ;Dkfbg ug{ of]hgf Joj:yfksnfO{ lgb]{zg lbg ;Sg], lbOPsf] lgb]{zg of]hgf Joj:yfksn] kfngf gu/]df ;f]sf] hfgsf/L

af]8{nfO{ lbg], of]hgf Joj:yfksn] P]g jf lgodfjnLsf] pNnª\3g u/]df jf cfkm\gf] lgb]{zg af/Daf/ pNnª\3g u/]df of]hgf Joj:yfks kl/jt{g ug]{ cfb]z

hf/L ug{ af]8{nfO{ cg'/f]w ug{ ;Sg] nufotsf] .

&=$ sf]if k|a4{s / sf]if ;'kl/j]IfsaLrsf] ;Demf}tfsf d'Vo d'Vo a'Fbfx? M

!= sf]if k|a4{s tyf sf]if ;'kl/j]Ifsn] lgodfjnLsf] cwLgdf /xL Jofj;flos 9Ën] cfkm\gf] bfloTj lgjf{x ug]{ .

@= sf]if ;'kl/j]Ifssf] k|zf;lgs nufot cGo sfo{{sf nflu sf]if k|a4{ssf] ;lrjfno pknAw x'g] .

#= sf]if ;'kl/j]Ifssf] a}7ssf nflu sf]if k|a4{sn] cfkm\gf] sfof{nodf a}7s sIf pknAw u/fpg] .

$= k|To]s of]hgfsf] lgldQ sf]if ;'kl/j]Ifssf] dfl;s slDtdf Pp6f a}7s tf]lsPsf] sfo{ljlw cg';f/ a:g'kg]{ . ;f] a}7sdf oyf ;Dej k|To]s

;'kl/j]Ifsx?sf] pkl:ylt x'g'kg]{ . olb sf]if ;'kl/j]Ifs s'g} a}7sdf pkl:yt x'g g;Sg] cj:yf cfPdf ;'kl/j]Ifsaf6 ;f]sf] hfgsf/L ;ef cl3 g} sf]if

;'kl/j]Ifsx? dWo]af6 r'lgPsf] ;+of]hsnfO{ k"j{hfgsf/L lbg'kg]{ jf ;+of]hssf] k"j{ :jLs[lt lng'kg]{ .

%= sf]if ;'kl/j]Ifsn] cfkm" cfj4 ePsf cGo sDkgL, ;+:yf, ljQLo dWo:t jf cGo s'g} klg ;+:yf;+Fu :jfy{ gafFlemg] ul/ lgstd ;DjGw sfod ug]{ 5 .

= sf]if ;'kl/j]Ifsn] cfkm\gf] :jfy{ /x]sf] ljifosf] 5nkmndf a}7sdf ;xeflutf ghgfpg] .

&= sf]if ;'kl/j]Ifsn] sf]if k|a4{snfO{ cfkm\gf] :jfy{ afl g] s'g} klg sDkgL -l;l6hG; a}+s OG6/g];gn ln= tyf ;f]sf] ;xfos sDkgL ;lxt_ sf] af/]df k"j{

hfgsf/L u/fpg'kg]{ .

*= sf]if ;'kl/j]Ifsn] x/]s of]hgfnfO{ ;'kl/j]If0f u/] jfkt of]hgfsf] v'b ;DklQ d"Nosf] clwstd )=%Ü ;]jf z'Ns cw{ jflif{s ?kdf lgodfjnLdf ePsf]

Joj:yfadf]lhd k|fKt ug]{ / ;f] k|fKt z'Nssf] %Ü k|ltztn] x'g] /sd To:tf] z'Ns lnPsf] b'O{ dlxgf leq af]8{df a'emfpg' kg]{5 .

(= ;Demf}tfsf] cjlw kfFr jif{sf] /x]sf] / Ps kIfn] csf]{ kIfnfO{ tf]lsPsf] ;dofjlweGbf klxn] ;Demf}tf vf/]h ug{ #) lbgsf] k"j{ hfgsf/L gu/fPdf

;Demf}tf yk kfFr jif{sf nflu sfod /xg] .

!)= sf]if ;'kl/j]Ifsn] #) lbgsf] k"j{ lnlvt hfgsf/L sf]if k|a4{snfO{ lbO{ ;Demf}tf /2 ug{ ;Sg]5 .

!!= sf]if k|a4{sn] ;Demf}tf /2 ug'{sf] sf/0f -;Demf}tf cg'?k sfo{ gu/]sf] jf k|rlnt sfg'g ljkl/t sfo{ u/]sf]_ v'nfO{ #) lbgsf] k"j{ lnlvt hfgsf/L sf]if

;'kl/j]IfsnfO{ lbO{ ;Demf}tf /2 ug{ ;Sg]5 .

!@= b'a} kIfn] of]hgf;Fu ;Dj4 ;"rgf tyf hfgsf/Lsf] uf]kgLotf k|rlnt lgod sfg'gn] dfu u/]adf]lhd sfod /fVg'kg]{ .

!#= s'g} kIfn] ;Demf}tfsf] kfngf gu/]df af]8{n] ;f]sf] kfngf u/fpg ;Sg]5 .

!$= ;Demf}tfdf pNn]lvt ljifox?df s'g} ljjfb pTkGg ePdf b'j} kIfaLr cfk;L ;dembf/Laf6 ;dfwfg ul/g] / cfk;L ;dembf/Laf6 ;d]t ljjfbsf] ;dfwfg

x'g g;Sg] cj:yf ;[hgf ePdf dWo:tstf{sf] ;xeflutfdf ;dfwfg ul/g] .

!%= ;Demf}tfkqdf pNn]v ePsf zt{x? af]8{sf] k"j{:jLs[lt lnP/dfq b'j} kIfsf] cfk;L ;dembf/Ldf ;+zf]wg x'g ;Sg]5 .

* of]hgf lgisf;g ;DaGwL ljj/0f

*=! of]hgf ;DaGwL ljj/0f M

-s_

s of]hgfsf] gfd l;l6hG; Do'r'cn km08 -@

v of]hgfsf] cfsf/ ?= !,)),)),)),))).– -Ps ca{_

u of]hgfsf] k|sf/ aGbd'vL (Close-End)

-v_

s lgisf;g ug{ nfluPsf] OsfO{ ;ª\Vof !),)),)),))) -bz s/f]8_

v k|lt OsfO{ d"No ?= !).– -cIf/]kL bz_

u Go"gtd laqmL x'g'kg]{ OsfO{ ;ª\Vof %,)),)),))) -kfFr s/f]8_

3 clwstd ;sfl/g] OsfO{ ;ª\Vof !@,%),)),))) -afx| s/f]8 krf; nfv_

ª of]hgfsf] cjlw & jif{

r of]hgf kl/kSj x'g] ldlt

of]hgfsf] OsfO{ afF8kmfF6 ePsf] ldltn] & jif{ . pQm cjwL kZrft\

of]hgfsf] nufgLnfO{ gubdf kl/0ft u/L OsfO{wgLx?nfO{ ;dfg'kflts

lx;fjn] k|rlnt sfg'gadf]lhd ljt/0f ul/g]5. s'g} sf/0fa; of]hgf

gubdf kl/0ft x'g g;s]sf] cj:yfdf lgodfjnLdf ePsf] Aoj:yf

adf]lhd x'g]5 .

5 ;"rLs/0f tyf bf];|f] ahf/ sf/f]jf/

Joj:yf

OsfO{x? g]kfn :6s PS;r]Gh ln=;"lrs[t tyf l;=l8=P;= P08 lSnl/Ë

ln= df btf{ u/L sf/f]jf/sf] Aoj:yf ul/g] .

Page 20: l;l6hG; Do'r'cn km08 · 0 lwtf]kq ;DaGwL P]g, @)^# / ;fd"lxs nufgL sf]if lgodfjnL, @)^& adf]lhd g]kfn lwtf]kq af]8{df btf{ ePsf] l;l6hG; Do'r'cn km08 cGtu{t ;~rfng x'g]

19

h of]hgfsf] btf{ tyf x:tfGt/0f ug{ lgo'Qm

l8kf]lh6/Lsf] gfd / 7]ufgf

of]hgf Aoj:yfks sDkgL >L l;=lj=cfO{=Pn= Soflk6n lnld6]8n] g}

l8kf]lh6/Lsf] sfo{ ug]{ . ;f] sfo{ sDkgLsf] af6'n]3/, l8NnLahf/ l:yt

sfof{noaf6 k|bfg ul/g] .

*=@ of]hgfsf] p2]Zo M

OsfO{ laqmLaf6 ;ª\slnt /sd of]hgf Aoj:yfksn] bIftfk"j{s of]hgfn] tf]s]sf] nufgLsf If]qx?df / lgofds lgsfojf6 ;do ;dodf lbPsf lgb]{zg jdf]lhd

nufgL u/L cfj]bsx?nfO{ pRr k|ltkmn lbO{ lwtf]kq ahf/sf] lbuf] lasf;df ;d]t Ps ;+:yfut nufgLstf{sf] x}l;otdf ;3fp k'¥ofpg] p2]Zon] o; of]hgfsf]

OsfO{x? lgisf;g ul/Psf] xf] .

*=# of]hgfn] nufgL ug]{ If]q M

;fd"lxs nufgL sf]if lgodfjnL, @) & sf] cwLgdf /xL of]hgfsf] /sd b]xfoadf]lhd nufgL x'g]5 M

!= af]8{df btf{ ePsf lwtf]kq, ;fj{hlgs lgisf;g ePsf lwtf]kq,, lwtf]kq ljlgdo jhf/df ;"lrs[t ePsf lwtf]kqx?df M * k|ltzt;Dd .

@= g]kfn ;/sf/n] hf/L u/]sf] jf g]kfn ;/sf/sf] hdfgt jf k"0f{ ;'/lIft x'g] u/L ;/sf/L :jfldTj jf lgoGq0fdf /x]sf] s'g} ;+:yf jf g]kfn /fi6« a}+sn] hf/L u/]sf]

C0fkq, 6«]h/L lan tyf d'b|f jhf/sf cGo ;fwgx?, d'›f ahf/ pks/0fx? tyf a++s lgIf]kdf M !$ k|ltzt;Dd .

#= af]8{af6 :jLs[lt lnO{ nufgL ul/g] cGo If]qx?df M af]8{af6 :jLs[lt k|fKt eP cg'?ksf] k|ltztdf .

b|i6Jo M pNn]lvt If]qdf nufgL ubf{ lgodfjnLsf] Aoj:yfnfO{ dWogh/ u/L k|ltkmnsf] cfwf/df Ps If]qsf] nufgLnfO{ cGo If]qsf] nufgLdf ;fg{ ;lsg]5 .

*=$ ljb]zdf nufgL ug]{ eP ;f] ;DaGwL Aoj:yf M

o; of]hgfsf] /sdnfO{ xfn ljb]zdf nufgL ug]{ s'g} of]hgf g/x]sf] ePtfklg eljiodf pknAw cj;/sf] cWoog u/L lgofds lgsfoaf6 cfjZos :jLs[lt lnO{

lgodfjnLsf] Joj:yf adf]lhd ljb]zdf nufgL ug{ ;lsg] .

*=% of]hgfsf] laQLo k|If]k0f;DaGwL ljj/0fM

s= jf;nft M

-?= xhf/df_

ljj/0f jif{ ! jif{ @ jif{ # jif{ $ jif{ % jif{ ^ jif{ &

;DkQL

nufgL 922,188 1,021,856 1,123,610 1,177,105 1,331,747 1,578,187 1,811,707 rfn' ;DkQL 143,204 130,690 119,108 180,176 175,832 176,950 236,368 hDdf ;DkQL 1,065,392 1,152,546 1,242,718 1,357,281 1,507,579 1,755,137 2,048,075

bfloTj, k"FhL tyf hu]8f

rfn' bfloTj 7,936 58,332 108,757 109,523 160,264 162,013 15,153 O{sfO{ k"FhL 1,000,000 1,000,000 1,000,000 1,000,000 1,000,000 1,000,000 1,000,000 art tyf hu]8f 57,456 94,215 133,961 247,758 347,316 593,124 1,032,922

hDdf bfloTj,

k"FhL tyf hu]8f 1,065,392 1,152,546 1,242,718 1,357,281 1,507,579 1,755,137 2,048,075

s != jf;fnt;Fu ;DjlGwt cg';"rLs?

-?= xhf/df_

ljj/0f jif{ ! jif{ @ jif{ # jif{ $ jif{ % jif{ ^ jif{ &

nufgL

z]o/sf] jhf/ d"No 624,708 767,029 932,808 1,010,730 1,145,054 1,361,800 1,574,070

j08x?df nufgL

120,000

102,794

76,967

67,114

75,310

87,288

95,860

Page 21: l;l6hG; Do'r'cn km08 · 0 lwtf]kq ;DaGwL P]g, @)^# / ;fd"lxs nufgL sf]if lgodfjnL, @)^& adf]lhd g]kfn lwtf]kq af]8{df btf{ ePsf] l;l6hG; Do'r'cn km08 cGtu{t ;~rfng x'g]

20

g]kfn ;/sf/n] jf g]kfn /fi6«

a}+sn] hf/L u/]sf] C0fkq,

6«]h/L jLn tyf d'b|f ahf/sf

cGo ;fwgx?

78,320

67,090

50,234

43,803

49,152

56,970

62,565

d'2tL lgIf]k

99,160

84,942

63,601

55,458

62,231

72,129

79,212

hDdf nufgL 922,188

1,021,856

1,123,610

1,177,105

1,331,747

1,578,187

1,811,707

rfn' ;DkQL

ljleÌ a}+sx?df ;~rfng

vftfdf /x]sf] lgIf]k

33,323

71,315

92,184

129,653

106,911

97,247

82,086

k|fKt eO{g;s]sf cGo

cfDbfgL M

10,722

8,409

5,724

6,156

6,690

7,574

8,043

sn lgIf]k

99,160

50,965

21,200

44,367

62,231

72,129

146,238

hDdf rfn' ;DkQL 143,204

130,690

119,108

180,176

175,832

176,950

236,368

rfn' bfloTj

;G8«L s|l86;{

13

13

13

13

13

13

13

ltg{ afFsL Joj:yfkg z'Ns

5,290

5,476

5,659

6,216

6,700

7,917

10,108

ltg{ afFsL n]vfkl/If0f vr{

100

100

110

110

110

121

121

ltg{ afFsL l8kf]lh6/L z'Ns

1,323

1,369

1,415

1,554

1,675

1,979

2,527

ltg{ afFsL ;'kl/j]If]s z'Ns

375

375

375

375

375

375

375

ltg{ afFsL sfg'gL z'Ns

18

18

20

20

22

22

24

ltg{ afFsL sf/f]]jf/ z'Ns

818

981

1,166

1,235

1,369

1,587

1,986

k|:tfljt nfef+z

-

50,000

100,000

100,000

150,000

150,000

-

cfos/ Joj:yf

-

-

-

-

-

-

-

hDdf rfn' bfloTj 7,936

58,332

108,757

109,523

160,264

162,013

15,153

O{sfO{ k"FhL

{-k|lt O{sfO{ ?= !)_

k|fylds z]o/ lgisfzgaf6

ljls|

1,000,000

1,000,000

1,000,000

1,000,000

1,000,000

1,000,000

1,000,000

ykM o; jif{ ljls| ul/Psf]

-

-

-

-

-

-

-

Go"g M o; jif{ lkmtf{ e'QmfgL

ul/Psf]

-

-

-

-

-

-

-

hDdf O{sfO{ k"FhL

1,000,000

1,000,000

1,000,000

1,000,000

1,000,000

1,000,000

1,000,000

art tyf hu]8f

;'?sf] df}Hbft

-

27,708

40,701

49,160

135,454

197,961

385,392

o; jif{ yk÷-36_

57,456

116,507

193,260

298,598

361,861

545,163

647,530

Go"gM nfefz+ ljt/0f

Page 22: l;l6hG; Do'r'cn km08 · 0 lwtf]kq ;DaGwL P]g, @)^# / ;fd"lxs nufgL sf]if lgodfjnL, @)^& adf]lhd g]kfn lwtf]kq af]8{df btf{ ePsf] l;l6hG; Do'r'cn km08 cGtu{t ;~rfng x'g]

21

- 50,000 100,000 100,000 150,000 150,000 -

hDdf art tyf hu]8f

57,456

94,215

133,961

247,758

347,316

593,124

1,032,922

v= gfkmf gf]S;fg lx;fa M

-?= xhf/df_

ljj/0f jif{ ! jif{ @ jif{ # jif{ $ jif{ % jif{ ^ jif{ &

cfDbfgL

Aofh cfDbfgL 19,956 16,054 11,130 11,646 12,446 14,426 14,624 gub nfef+z 11,899 21,405 42,400 44,921 49,785 103,866 115,528 k"FhLut nfe 32,723 57,081 89,041 166,209 189,183 265,436 444,783 cGo cfDbfgL 2,975 1,529 636 1,331 1,867 1,443 2,925 s"n cfDbfgL -s_ 67,553 96,069 143,207 224,107 253,281 385,171 577,860 Go"gM vr{x?

of]hgf Aoj:yfkg (21,160) (21,904) (22,636)

(24,866) (26,801) (31,667) (40,432)

sf]if ;"kl/j]If0f z'Ns

(1,500) (1,500)

(1,500)

(1,500)

(1,500)

(1,500) (1,500)

l8kf]lh6/L z'Ns

(5,290) (5,476) (5,659) (6,216)

(6,700)

(7,917)

(10,108) a|f]s/ z'Ns (3,272) (3,924) (4,664) (4,941) (5,476) (6,347) (7,943)

n]vfkl/If0f z'Ns (100)

(100) (110) (110) (110)

(121)

(121)

;"lrs/0f z'Ns

(800)

(50)

(50) (50)

(50)

(50)

(50)

of]hgf btf{ z'Ns

(1,000) - - - - - -

gf]l6; tyf lj1fkg z'Ns

(50)

(50)

(50) (50)

(50)

(50)

(50)

sfg'lg k/fdz{ vr{x? (72) (72)

(79) (79) (87) (87)

(96)

lgZsf;g vr{ (6,600) - - - - - -

s"n vr{x? -v_ (39,845) (33,077) (34,748) (37,813) (40,774) (47,739) (60,299) ;~rfng d'gfkmf÷-gf]S;fg_ -

s_–-v_ 27,708 62,993 108,459 186,295 212,506 337,431 517,561

cfos/ Joj:yf - - - - - - - gfkmf ÷-gf]S;fg_ 27,708 62,993 108,459 186,295 212,506 337,431 517,561 k|:tfljt nfefFz - 50,000 100,000 100,000 150,000 150,000 - v'b d'gfkmf÷-gf]S;fg_ 27,708 12,993 8,459 86,295 62,506 187,431 517,561 ;~rfng d'gfkmf÷-gf]S;fg_

jf;nftdf ;fl/Psf] 27,708 40,701 49,160 135,454 197,961 385,392 902,953

nfef+z ljt/0f k|ltzt 0.00% 5.00% 10.00% 10.00% 15.00% 15.00% 0.00%

u= gub k|jfxsf] ljj/0f M

-?= xhf/df_

qm=;= ljj/0f jif{ ! jif{ @ jif{ # jif{ $ jif{ % jif{ ^ jif{ &

s ;~rfng ultljlwaf6 gub

k|jfx

gub k|fKtL

67,553

96,070

143,207

224,108

253,281

385,170

577,860

Page 23: l;l6hG; Do'r'cn km08 · 0 lwtf]kq ;DaGwL P]g, @)^# / ;fd"lxs nufgL sf]if lgodfjnL, @)^& adf]lhd g]kfn lwtf]kq af]8{df btf{ ePsf] l;l6hG; Do'r'cn km08 cGtu{t ;~rfng x'g]

22

Go"gM gub e'QmfgL

(39,845)

(33,077)

(34,748)

(37,813)

(40,774)

(47,739)

(60,299)

Go"gM cfos/ e'QmfgL - - -

-

-

-

-

lqmoflzn k"FhL ;dfof]hg

cl3sf] gub k|jfx 27,708 62,993

108,459

186,295

212,507

337,431

517,561

rfn' ;DkQL -al9_÷3l6

(10,722)

2,312

2,685

(432)

(534)

(884)

(470)

rfn' bfloTj al9÷-3l6_

7,936

396

425

766

740

1,749

3,140

;~rfng ultljlwaf6 gub

k|jfx -s_ 24,922 65,701 111,569

186,629

212,713

338,296

520,231 v nufgL ultljlwaf6 gub k|jfx

Go"gM lwtf]kqdf nufgL

(892,440)

(75,903)

(70,466)

(25,993)

(117,590)

(188,063)

(311,283)

l:y/ ;DklQdf -a[l4_÷sdL - - -

-

-

-

-

nufgL ultljlwaf6 gub k|jfx

-v_

(892,440)

(75,903)

(70,466)

(25,993)

(117,590)

(188,063)

(311,283)

u ljQLo ultljlwaf6 gub k|jfx

OsfO{ k"FhL al9÷-3l6_

1,000,000 - -

-

-

-

-

Go"gM nfef+z ljt/0f - -

(50,000)

(100,000)

(100,000)

(150,000)

(150,000)

ljQLo ultljlwaf6 gub k|jfx

-u_

1,000,000 -

(50,000)

(100,000)

(100,000)

(150,000)

(150,000)

v'b gub k|jfx -s_ ±-v_±-

u_ 132,482

(10,202)

(8,897)

60,636

(4,877)

233

58,948

gub tyf a}+sdf /x]sf] z'?

df}Hbft -

132,482

122,280

113,383

174,019

169,142

169,376

gub tyf a}+sdf /x]sf] clGtd

df}Hbft 132,482 122,280

113,383

174,019

169,142

169,376

228,324

3= k|lt OsfO v'b ;DklQ d"Nosf] u0fgf tyf ljQLo cg'kft ;DaGwL ljj/0f M

-?= xhf/df_

ljj/0f jif{ ! jif{ @ jif{ # jif{ $ jif{ % jif{ ^ jif{ &

s= lwtf]kqdf tyf cGo nufgL

!= ;"rLs[t lwtf]kq

624,708

767,029

932,808

1,010,730

1,145,054

1,361,800

1,574,070

@= ;"rLs[t x'g afFsL lwtf]kq

198,320

169,885

127,201

110,917

124,462

144,258

158,425

#= l:y/ cfo pks/0f

99,160

84,942

63,601

55,458

62,231

72,129

79,212

hDdf -s_ 922,188 1,021,856

1,123,610 1,177,105 1,331,747

1,578,187 1,811,707

v= rfn' ;Dklt

a}s df}Hbft

132,483

122,281

113,384

174,020

169,142

169,376

228,325

cGo ;Dklt

10,722

8,409

5,724

6,156

6,690

7,574

8,043

hDdf -v_ 143,204 130,690 119,108

180,176 175,832

176,950 236,368

u= rfn' bfloTj

Page 24: l;l6hG; Do'r'cn km08 · 0 lwtf]kq ;DaGwL P]g, @)^# / ;fd"lxs nufgL sf]if lgodfjnL, @)^& adf]lhd g]kfn lwtf]kq af]8{df btf{ ePsf] l;l6hG; Do'r'cn km08 cGtu{t ;~rfng x'g]

23

cGo bfloTj

(949)

(51,112)

(101,308)

(101,378)

(151,513)

(151,742)

(2,143)

hDdf -u_

(949) (51,112)

(101,308)

(101,378) (151,513)

(151,742) (2,143)

s'n ;Dklt -s_+-v_--u_ 1,064,444 1,101,435

1,141,409 1,255,903 1,356,066

1,603,395 2,045,932

of]hgf Joj:yfkg z'Ns

5,290

5,476

5,659

6,216

6,700

7,917

10,108

l8kf]lh6/L z'Ns

375

375

375

375

375

375

375

sf]if ;'kl/j]Ifs z'Ns

1,323

1,369

1,415

1,554

1,675

1,979

2,527

v'b ;Dklt 1,057,456 1,094,215 1,133,961

1,247,758 1,347,316 1,593,124 2,032,922

hDdf hf/L OsfO{ ;+Vof

100,000

100,000

100,000

100,000

100,000

100,000

100,000

k|lt OsfO{ v'b ;Dklt d'No

10.57

10.94

11.34

12.48

13.47

15.93

20.33

nfef+Fz ljt/0f 0% 5% 10% 10% 15% 15% 0%

nufgLdf k|ltkmn 5.75% 8.48% 13.63% 20.04% 22.98% 33.24% 27.61%

* clGtd jif{df nufgLsf] /sd lkmtf{ e'QmfgL ubf{ k|fylds nufgLsf] 14.76 % k|ltzt k|ltkmn nfe k|If]lkt h'g nufgLsf] k|ltkmndf v'nfOPsf] 5 .

of]hgf Aoj:yfksn] tof/ u/]sf] dflysf] k|If]k0f ;'hg sf n] P08 P;f]l;P6;\ rf6{8{ Psfp06]06sf l;=P= ;'hg sf n]af6 k|dfl0ft ug'{ ePsf] 5 .

ª= ljQLo k|If]k0fsf cfwf/x?

!= of]hgfsf] ;DklQsf] afF8kmfF8

ljj/0f jif{ ! jif{ @ jif{ # jif{ $ jif{ % jif{ ^ jif{ &

l:y/ cfo x'g] If]q 20% 15% 10% 10% 10% 10% 10% ;"lrs[t lwtf]kq 60% 70% 80% 81% 80% 80% 79% a}Fs rNtL vftf 10% 5% 2% 4% 5% 5% 8% a}Fs d'2tL lgI]fk 10% 10% 8% 5% 5% 5% 3% hDdf 100% 100% 100% 100% 100% 100% 100%

@= z'Ns tyf vr{x? - of]hgf lgisf;g tyf lgoldt_ M

of]hgf btf{ z'Ns -of]hgfsf] )=!Ü_ M ?=!),)),))) .

lgisf;g tyf laqmL k|aGws z'Ns M j9Ldf of]hgfsf] )=^^Ü .

s|=;+= ljj/0f /sd

!= hfu?stf sfo{s|d, 5kfO{ / d;nGb vr{ 1,000,000

@= lj1fkg vr{-l6le, kmd Pd /]l8of], cgnfOg_ 1,500,000

#= lgisfzg z'Ns 2,000,000

$= ;+sng tyf afF8kmfF8 vr{ 700,000

%= ;km\6j]o/ h8fg tyf cg's"ng (Customization) z'Ns 1,000,000

^= ljt/0f vr{ 400,000

hDdf 6,600,000

l8kf]lh6/L z'Ns

jif{ ! jif{ @ jif{ # jif{ $ jif{ % jif{ ^ jif{ &

5,290 5,476 5,659 6,216 6,700 7,917 10,108

;"rLs/0f z'Ns M;"rLs/0f ug{]a]nf s'n of]hgfsf] )=)*Ü / jflif{s gljs/0f z"Ns ?= %),))) .

a|f]s/ z'Ns M sf/f]af/ ul/g] lwtf]kq d'Nosf] )=^)Ü ;Dd .

Page 25: l;l6hG; Do'r'cn km08 · 0 lwtf]kq ;DaGwL P]g, @)^# / ;fd"lxs nufgL sf]if lgodfjnL, @)^& adf]lhd g]kfn lwtf]kq af]8{df btf{ ePsf] l;l6hG; Do'r'cn km08 cGtu{t ;~rfng x'g]

24

n]vfk/LIf0f z'Ns

jif{ ! jif{ @ jif{ # jif{ $ jif{ % jif{ ^ jif{ &

100,000 100,000 110,000 110,000 110,000 121,000 121,000

#= k|If]lkt k|ltkmn M

ljj/0f jif{ ! jif{ @ jif{ # jif{ $ jif{ % jif{ ^ jif{ &

l:y/ cfo pks/0f 10.50% 10.50% 10.50% 10.50% 10.00% 10.00% 8.00%

gub nfef+z 2.00% 3.00% 5.00% 5.00% 5.00% 4.00% 3.00%

Aff]gz z]o/ 3.00% 2.00% 3.00% 5.00% 5.00% 5.00% 5.00%

Aofh cfDbfgL -sn lgIf]k_ 3.00% 3.00% 3.00% 3.00% 3.00% 2.00% 2.00%

a}Fs d'2tL lgI]fk 5.00% 5.00% 4.00% 3.00% 3.00% 4.00% 4.00%

cflh{t k"FhLut -gfkmf÷gf]S;fg_ 5.00% 12.00% 15.00% 27.00% 28.00% 35.00% 57.00%

nufgL lwtf]kqx?sf] d"No j[l4 10.00% 15.00% 20.00% 25.00% 30.00% 30.00% 15.00%

$= kfpg'kg]{ tyf e'QmfgL ug'{kg{] M

rfn' ;DklQ M dfu tyf cNk ;"rgfdf k|fKtx'g] Aofh cfDbfgL q}dfl;s ¿kdf u0fgf ul/Psf] l:y/ nufgLdf k|fKt Jofh cfDbfgL cw{ jflif{s

¿kdf u0fgf ul/Psf] .

rfn' bfloTj M of]hgf Joj:yfkg z'Ns, l8kf]hL6/L z'Ns tyf ;'kl/j]If0f z'Ns cw{jflif{s ¿kdf e'QmfgL ul/g] tyf

;G8«L qm]l86;{, sfg'gL z'Ns tyf bnfnL z'Ns q}dfl;s ?kdf e'QmfgL ul/g] .

%-s_= cg'dflgt nfefFz ljt/0f M

jif{ ! jif{ @ jif{ # jif{ $ jif{ % jif{ ^ jif{ &

0.00% 5.00% 10.00% 10.00% 15.00% 15.00% 0.00%

%-v_= cg'dflgt v'b ;DklQ M

jif{ ! jif{ @ jif{ # jif{ $ jif{ % jif{ ^ jif{ &

10.57 10.94 11.34 12.48 13.47 15.93 20.33

= s/;DaGwL Aoj:yf M

;fd"lxs nufgL sf]ifnfO{ s/ 5'6sf] Joj:yf eP cg';f/ of]hgfn] cfh{g u/]sf] d'gfkmfdf s/ gnfUg] .

*= of]hgfsf] vr{ ;DalGw ljj/0f M

of]hgfsf] vr{;DaGwL ljj/0f b]xfocg';f/ /x]sf] 5 M

-s_ of]hgf lgisf;gsf nflu ul/g] vr{ M

lgodfjnLsf] Aoj:yfadf]lhd af]8{df of]hgf btf{ ubf{ nfUg] z'Ns of]hgf /sdsf] )=! k|ltzt x'g], qm]l86 /]l6Ë, ;"rgf k|sfzg, OsfO{sf] afF8kmfF6,

of]hgfsf] k|rf/ k|;f/ tyf lgisf;g;+u cfj4 cGo vr{ .

-v_ of]hgfsf] lgoldt vr{ M

!= nufgL Aoj:yfkg z'Ns M v'b ;DklQ d"Nosf] @ k|ltzt ;Dd .

@= sf]if ;'kl/j]Ifs -;d"x_ z'Ns M slDtdf v'b ;DklQ d"Nosf] )=!% k|ltzt .

#= l8kf]lh6/L z'Ns M v'b ;DklQ d"Nosf] )=% k|ltzt .

$= ;"rLs/0f tyf gljs/0f z"Ns M g]kfn :6s PS;r]Gh ln= n] tf]s] jdf]lhd .

Page 26: l;l6hG; Do'r'cn km08 · 0 lwtf]kq ;DaGwL P]g, @)^# / ;fd"lxs nufgL sf]if lgodfjnL, @)^& adf]lhd g]kfn lwtf]kq af]8{df btf{ ePsf] l;l6hG; Do'r'cn km08 cGtu{t ;~rfng x'g]

25

%= n]vf kl/If0f, k|rlnt sfg"g adf]lhdsf] ;"rgf k|sfzg, sfg"gL vr{, z]o/ sf/f]af/df a|f]s/ sldzg, cGo hfgsf/L

tyf k|ltj]bg k|sfzg -jf:tljs cfwf/df_ .

= of]hgfn] s/ ltg'{kg]{ cj:yfdf To:tf] s/ tyf l;l8P; (CDS) df btf{ z"Ns .

&= of]hgf;+u ;DjlGwt cGo e}k/L cfpg] vr{ .

af]8{n] tf]s]sf] cj:yfdf afx]s pko'{Qm lzif{ssf cltl/Qm cGo zLif{sdf vr{ hgfO{g] 5}g . vr{ hgfpg'kg]{ cj:yf cfPdf af]8{sf] k"j{ :jLs[lt lnO{g]5 .

*=& of]hgfsf] d'gfkmf ljt/0fsf] nIo M

of]hgfn] sdfPsf] v'b d'gfkmfsf] cg'kftdf OsfO{sf] cª\lst d"Nosf] cfwf/df d'gfkmf ljt/0f ul/g]5 . v'b d'gfkmfdWo] cfjZostfg';f/ ;l~rt d'gfkmf (Retained

Earning) k'gM nufgL ul/g]5 .

*=* nufgL tyf nfef+zsf ;DaGwdf nfu' x'g] s/;DaGwL Joj:yf M

k|rlnt sfg'gn] lgwf{/0f u/] adf]lhd x'g]5 .

*=( of]hgfsf O{sfOx? csf]{ of]hgfdf x:tfGt/0f x'g]÷gx'g] s'/f / x'g] ePdf ;f]sf] k|lqmof M

o; of]hgfsf OsfO{x? s'g} csf]{ of]hgfdf x:tfGt/0f x'g] 5}gg\ . of]hgfsf] cjlw ;dfKt eP kZrft\ of]hgfsf] ;DklQ laqmL u/L OsfO{wgLx?nfO{ ;dfg'kflts

cfwf/df ljt/0f ul/g]5 . cjlw ;dfKt gePsf] cj:yfdf ;fd"lxs nufgL sf]if lgodfjnL, @) & sf] lgod #@ jdflhd ;xefuLx?sf] ;ef af]nfO{ ;f] ;efdf pkl:yt

;xefuLsf] ax'dtaf6 of]hgf vf/]hLsf] k|:tfj kfl/t u/fO{ To;/L of]hgf vf/]h ug'{ k/]sf] sf/0f af/] af]8{nfO{ hfgsf/L lbg'sf ;fy} /fli6«o:t/sf] klqsfdf slDtdf

b'O{k6s ;fj{hlgs ;"rgf k|sfzg ul/g]5 . nufgL sf]if lgodfjnL, @) & sf] lgod #! sf] pklgod - _ adf]lhd of]hgf vf/]h ug]{ :jLs[tL k|fKt ePkl5 To:tf]

:jLs[tL k|fKt ePsf] tLg dlxgfleq o; of]hgf cGt{utsf] ;DklQnfO{ gubdf kl/0ft u/L ;xefuLx?nfO{ OsfOsf] :jfldTjsf] cg'kftdf e'QmfgL lbOg]5 . vf/]h ug{

:jLs[tL k|fKt of]hgf gubdf kl/0ft x'g g;Sg] ePdf af]8{sf] :jLs[tL lnO{ To:tf] of]hgfnfO{ gofF of]hgfdf kl/0ft u/L ;xefuLx?nfO{ gofF of]hgfsf] OsfO{ ljt/0f

ul/g]5 . vf/]h ePsf] of]hgfsf] ;xefuLn] pk lgod - _ adf]lhd gofF of]hgfsf] OsfO{ lng grfx]df To:tf] ;xefuLnfO{ lghsf] OsfOsf] :jfldTjsf] cg'kftdf gub

e'QmfgL ug]{ Joj:yf ul/g]5 . of]hgfnfO{ gofF of]hgfdf kl/0ft ug]{ ;DaGwL Joj:yf / ckgfpg] k|s[of ;fd"lxs nufgL sf]if lgodfjnL, @) & sf] cwLgdf /xL af]8{sf]

:jLs[tL cg'?k x'g]5 .

*=!) v'b ;DklQ d"No u0fgf tyf ;f]sf] k|sfzg;DaGwL Aoj:yf M

-s_ v'b ;DklQ d"No u0fgf ug{] ljlw M

k|lt OsfO{ v"b ;DklQ d"No -g]6 P;]6 EofNo'_ sfod ubf{ of]hgfsf] d"NofÍg ug]{ ldltdf sfod /x]sf] ;Dk"0f{ ;DklQnfO{ s'n OsfO{ ;ª\Vofn] efu u/L k|lt OsfO{ v"b

;DklQ d"No sfod ul/g]5 . v"b ;DklQ d"NofÍg ug]{ ;"q b]xfo adf]lhd x'g]5 M

d"NofÍg ldltdf nufgLsf] d"No ± k|fKt x'g afFsL k|ltkmn jf cfo

tyf cGo /sdx? — ltg{ afFsL bfloTj tyf cGo /sdx?

k|lt OsfO{ v'b ;DklQ d"No Ö –––––––––––––––––––––––––––––––––––––––––––––––––––––——————— d"NofÍg ldltdf of]hgf cGtu{tsf] s"n OsfO{ ;ª\Vof

-v_v'b ;DklQ d"No k|sfzg;DaGwL Aoj:yf M

of]hgfsf] OsfO{ afF8kmfF6 ePsf] #) lbgleq of]hgf Aoj:yfksn] klxnf] k6s v'b ;DklQ d"No lgwf{/0f u/L ;fj{hlgs ug]{5 . tt\kZrft ;fd"lxs nufgL sf]if

lgodfjnL, @) & sf] Aoj:yf adf]lhd k|To]s xKtf v'b ;DklQ d"No of]hgf Aoj:yfkssf] j]j;fO{6 www.cbilcapital.com df ;fj{hlgs ul/g]5 . ;fy}

of]hgf Joj:yfksn] of]hgfsf] nufgLsf] ljj/0f q}dfl;s ?kdf cfKfm\gf] j]a ;fO{6df /fvL ;fj{hlgs ug]{ tyf jflif{s ?kdf of]hgfsf] n]vfk/LIf0f u/fO{ ;f];DaGwL

ljj/0f ;fj{hlgs ug]{5 . v'b ;DklQ d"No tyf of]hgfsf] sfo{;Dkfbg ;fj{hlgs ug]{ ;DaGwdf cGo Aoj:yf k|rlnt sfg'g tyf af]8{sf] lgb]{zg adf]lhd x'g]5 .

*=!! of]hgfdf cGt{lglxt hf]lvd tyf ;f]sf] Aoj:yfkgsf] nflu Aoj:yfkgsf] wf/0ff M

-s_ ;fdfGo hf]lvd tTjx? M

-!_ ;fd"lxs nufgL sf]ifdf ul/g] nufgL lwtf]kq ahf/sf] hf]lvd;Fu e/kg]{ x'Fbf gfkmf x'g] tyf ;xefuLn] lnPsf] p2]Zo k"/f x'g] s'/fsf] s'g} lglZrttf

gx'g] ;DaGwdf M

;fd"lxs nufgL sf]ifcGtu{tof]hgfsf] nufgL lwtf]kq ahf/ nufot cGo ljleGg If]qdf k|jfx ul/g] x'Fbf lwtf]kq ahf/ tyf To:tf] nufgLdf lglxt

hf]lvdn] of]hgfsf] nufgLsf] k|ltkmndf k|ToIf c;/ kb{5 .

-@_ lwtf]kqdf x'g] nufgL h:t} of]hgfsf] OsfO{x?sf] v'b ;DklQ d"No ahf/ d"Nosf] cfwf/df 36a9 x'g] ;DaGwdf M

Page 27: l;l6hG; Do'r'cn km08 · 0 lwtf]kq ;DaGwL P]g, @)^# / ;fd"lxs nufgL sf]if lgodfjnL, @)^& adf]lhd g]kfn lwtf]kq af]8{df btf{ ePsf] l;l6hG; Do'r'cn km08 cGtu{t ;~rfng x'g]

26

of]hgfsf] v'b ;DklQ d"No of]hgfn] u/]sf] nufgLsf] d"NofÍgaf6 u0fgf ul/Psf] x'G5 . o;sf] nufgL dWo] lwtf]kq ahf/df ;"lrs[t lwtf]kqx?df

u/]sf] nufgLsf] ;DklQ d"Nodf To:tf lwtf]kqsf] d"Nodf x'g] ptf/ r9fjn] k|efj kfg]{ x'Fbf of]hgfsf] v'b ;DklQ d"Nodf ;d]t To;sf] k|ToIf k|efj

/xg] ub{5 / ;f]xL adf]lhd 36a9 x'g] ub{5 .

-#_ sf]if k|j4{s, ;'kl/j]Ifs jf of]hgf Aoj:yfkssf] lautsf] sfo{n] lghx?sf] eljiosf] sfdsf] nflu lgb]{zg jf ;ª\s]t ub}{g eGg] ;DaGwdf M

of]hgf Aoj:yfksn] ahf/sf] ljBdfg cj:yfsf] ljZn]if0f u/L :jtGq ?kdf of]hgfsf] ;~rfng tyf Aoj:yfkg ug]{ / k|rlnt sfg"g adf]lhd o;sf]

lx;fj lstfj ;d]t 5'§} ?kdf /fVg] / ;f]sf] lgoldt l/kf]l6{Ë ug]{ ub{5 . of]hgfsf] /sd nufgL ubf{ of]hgf Aoj:yfkssf] bIftfn] of]hgfsf]

sfo{;Dkfbgsf] :t/ (Performance Level) lgwf{/0f ug]{ eP tfklg sf]if k|j4{s, of]hgf Aoj:yfks tyf sf]if ;'kl/j]Ifssf] ljutsf] sfo{n] o;

of]hgfsf] glthfnfO{ ;ª\s]t jf lgb]{zg ub}{g .

-$_ sf]if k|j4{sn] of]hgfdf s'g} xfgL gf]S;fgL ePdf ;f]sf] lhDd]jf/L lng] 5}g eGg] ;DaGwdf M

of]hgfsf] ;~rfng tyf Aoj:yfkg k|rlnt sfg'gsf] clwgdf /xL of]hgf Aoj:yfksn] g} ub{5 . of]hgfdf s'g} k|sf/sf] xfgL gf]S;fgL ePdf ;f]sf]

lhDd]jf/L sf]if k|j4{sn] ln+b}g .

-%_ o; of]hgfn] eljiodf /fd|f] ug]{ / d'gfkmf lbg] s'/fsf] ;'lglZrttf ub}{g eGg] ;DaGwdf M

o; of]hgf cGt{ut OsfO{x? lgisf;g u/L ;+sng ul/Psf] /sd ljleGg If]qdf nufgL ul/G5 . of]hgf Aoj:yfksn] cfkm\gf] bIftfsf] pkof]u u/L

nufgL hf]lvd sd ug]{ tyf d'gfkmf a[l4 ug]{ ljifonfO{ b[li6ut u/L sf]ifsf] ;'Joj:yfkg ug]{ ePtfklg of]hgfn] eljiodf /fd|f] ug]{ jf d'gfkmf lbg]

s'/fsf] ;'lglZrttf eg] ub}{g .

-v_ vf; hf]lvd tTjx? M

-!_ k|:t't of]hgf lglZrt ?kdf d'gfkmf lkmtf{ lbg] jf s'g} a}+s jf ladfaf6 d'gfkmfsf] ;'lglZrttf eP gePsf] s] xf] ;f] ;DaGwdf M

o; of]hgf cGtu{t nufgL ug]{ nufgLstf{x?n] OsfO{sf] cª\lst d"Nodf nufgL u/]sf] cg'kftdf of]hgfn] sdfPsf] v'b d'gfkmfsf]cfwf/df gub

nfefFz kfpg] 5g\ . o:tf] nfefFz of]hgfn] cf gf] nufgL jfkt k|fKt ug]{ k"FhLut d'gfkmf, Jofh, nfefFz, z]o/ k|Tofe"lt sldzg jf ;DklQsf] d"No j[l4

(capital gain) jf cGo ljQLo sf/f]jf/af6 k|fKt ePsf] cfDbfgLaf6 lbg]5 . k|To]s cfly{s jif{df of]hgfn] v'b d'gfkmfaf6 nfefFz lbg] lg0f{o ug]{5 .

v'b d'gfkmfaf6 nfeFfz s§f u/L afFsL /x]sf] /sd ;l~rt d'gfkmf (retained earning) sf] ?kdf /xg]5 . s'g} jif{ of]hgfsf] cfDbfgLn] nfefFz ljt/0f

ug{ g;Sg] cj:yf cfPdf ;l~rt d'gfkmfaf6 nfefFz lbg ;lsg]5 . of]hgfn] x/]s jif{ d'gfkmf lbg] ;'lglZrttf eg] x'FFb}g .

-@_ of]hgf cGtu{tsf] nIo k|fKt ug{sf nflu c;/ kg]{ tTjx?df ;/sf/L gLltx?, ahf/sf] cj:yf, ahf/nfO{ c;/ kfg]{ tTjx?, ahf/df kl/jt{g e}/xg]

Jofh b/, Joj;fo u/Lg] lwtf]kqsf] ;ª\Vof, /fkm;fkm u/Lg] k2lt cflbn] c;/ kfg]{ ;DaGwdf M

;fd"lxs nufgL sf]if;DaGwL sfg"gL Joj:yf tyf gLltx?df s'g} kl/jt{g ePdf of]hgf ;~rfng tyf ;f]sf] k|ltkmndf ;d]t ;f]xL cg'?k c;/ kg]{

x'G5 . ;fy} ahf/sf] cj:yf, ahf/nfO{ c;/ kfg]{ tTjx?n] ;d]t of]hgfdf c;/ kfg]{ x'G5 . of]hgfn] lwtf]kq ahf/df ;"lrs[t lwtf]kqdf nufgL ug]{ /

ahf/sf] cj:yf x]/L of]hgfsf] gfddf lwtf]kq v/Lb laqmL ug]{ x'Fbf ;f]sf] /fkm;fkm k|s[ofn] of]hgfsf] /sd k|fKt ug{ nfUg] ;do lge{/ x'G5 . l9nf] u/L

/sd k|fKt x'g] cj:yfdf pQm /sdaf6 cfh{g x'g ;Sg] Aofh cfDbfgLdf 36a9 x'g uO{ of]hgfsf] cfDbfgLdf c;/ kb{5 . lwtf]kqsf] v/Lb laqmLdf

x'g] l9nfOn] ahf/ hf]lvd ;d]t cfslif{t x'g ;Sb5 . ;fy} ;fdfGotof ljQLo If]qdf sfod x'g] Jofhb/ / wtf]kqsf ]nufgL aLr ljkl/t ;DaGw

(Inverse relation) x'g ]x'Fbf ;f ]sf] c;/ of]hgfsf] v'b ;DklQ d"Nodf ;d]t kg{ ;Sb5 .

-#_ /]l6Ë sDkgLn] lbPsf] /fon] v'b ;DkQL d"Nosf] l:y/tfsf] ;'lglZrttf gug]{ s'/f ;DaGwdf M

/]l6Ë sDkgLn] s'g} ;dosf] ljj/0fsf] cfwf/df /]l6Ë ug] {x'Fbf pQm ;dodf lbOPsf] /fon] of]hgfsf] v'b ;DklQ d"Nosf] l:y/tfsf] ;'lglZrttf ub}{g .

-$_ Jofhb/ kl/jt{gaf6 x'g] hf]lvd ;DaGwdf M

of]hgfsf] s'n /sddWo] s]xL /sd a}+s lgIf]k tyf a08÷l8j]Gr/x?df ;d]t nufgL ul/g] x'Fbf lgIf]kdf k|fKt x'g] Aofhb/df kl/jt{gx'Fbf of]hgfsf]

cfodf ;d]t c;/ kb{5 . ;DklQsf] d"Nofª\sg (Valuation) k|rlnt Jofhb/nfO{ cfwf/ dfgL ul/g] x'Fbf k|rlnt Jofhb/df x'g] kl/jt{gn] of]hgf

cGt{utsf] ;DklQsf] d"Nofª\sgdf ;d]t kl/jt{g x'G5 .

-%_ of]hgf z'? ug]{ a]nfdf ePsf] vr{ tyf aflif{s vr{ cflbn] v'b ;DklQ d"Nodf k|efj kfg]{ ;DaGwdf M

of]hgf cGtu{tsf OsfO{x? laqmLsf nflu af]8{df btf{ u/fpg], ljj/0f k'l:tsf :jLs[t u/L laqmL v'Nnf ug]{, laqmL aGb ug]{, afF8kmfF6 ug]{, g]kfn :6s

PS;r]Ghdf ;"lrs[t u/fO{ bf];|f] ahf/df sf/f]jf/sf] Joj:yf u/fpg], ;"rLs/0f tyf jflif{s gjLs/0f ug]{, of]hgfsf] n]vfk/LIf0f u/fpg], of]hgfsf]

lj1fkg ug]{, sfg'gL ;]jf lng], ;fd"lxs nufgL sf]if lgodfjnL, @) & df ePsf] Joj:yf adf]lhd of]hgf ;DaGwL ;"rgf k|sflzt ug]{ cflb sfo{sf

nflu nfUg] vr{x? of]hgfsf] s'n ;DklQ d"Noaf6 s§f u/L of]hgfsf] v'b ;DklQ d"No u0fgf ul/g] x'Fbf o:tf vr{x?n] of]hgfsf] v'b ;DklQ d"Nodf

s]xL k|efj kfb{5.

- _ OSjL6L ;DaGwL hf]lvddf o;sf pks/0fx?n] sDkgL / ahf/ b'a}sf hf]lvd af]ls/x]sf x'G5g\ eGg] s'/f pNn]v ug]{ M

of]hgfn] OSjL6Ldf cfwfl/t pks/0fdf u/]sf] nufgLsf] ;'/Iff / k|ltkmn sDkgLsf] cj:yf / ahf/sf] l:yltdf lge{/ /xg] x'Fbf o:tf pks/0fx?df ePsf]

nufgLdf oL b'a} lsl;dsf hf]lvdx? cGt{lglxt /x]sf xG5g\ .

-&_ C0f hf]lvd leq csf]{ kIfsf] C0f lkmtf{ ug]{ Ifdtf tyf OR5fdf lge{/ ug]{ s'/f h:tf] sL ;/sf/L lwtf]kqdf s'g} hf]lvd g/xg] s'/f M

of]hgfn] ;/sf/L C0fkqsf cltl/Qm cGo If]qn] hf/L ug]{ C0fkqx?df ;d]t nufgL ug]{ / o:tf] C0fkqdf ePsf] nufgL lkmtf{ x'g] ljifo C0fkq hf/L

ug]{sf] dg;fo / Ifdtfdf ;d]t lge{/ /xg ]x'Fbf o:tf] C0fkqdf u/]sf] nufgL ;/sf/L C0fkqdf u/]sf] nufgL ;/x ;'/lIft / hf]lvd /lxt x'Fb}g .

-*_ t/ntf hf]lvd ;DaGwdf ;f] lwtf]kq slt laqmL ug{ of]Uo jf ;xh 5 Toltg} t/ntf cfpg] af/] pNn]v ug]{ M

of]hgfn] lwtf]kqdf u/]sf] nufgLnfO{ t/n ;DklQdf kl/0ft ug]{ laifo nufgL ul/Psf] lwtf]kqs} t/ntfdf lge{/ /xg] x'Fbf of]hgfsf] t/ntfdf

lwtf]kqdf ePsf] nufgLsf] hf]lvd ljBdfg /xG5 .

-(_ Aofhb/df x'g] hf]lvd o;sf] ultljlwdf lge{/ u5{ eGg] s'/f h:tf] sL ;/sf/n] C0f lnPdf, d'b|f :kmLtL ePdf cflb af/] M

Aofhb/df kl/jt{g x'g] hf]lvd cy{tGqdf x'g] ultljlwdf lge{/ ub{5 . ljleGg cfly{s ptf/ r9fjsf] c;/ Aofhb/df ;d]t kg{ ;S5 / o; cj:yfdf

Aofhb/sf] kl/jt{gaf6 x'g] hf]lvd of]hgfdf ;d]t kg{ ;Sb5 .

-!)_ k'gn{ufgL hf]lvd oyfjt /xg] sf/0fdf Aofh b/df ePsf] clglZrttfsf sf/0f tyf C0fkqsf] ;§fdf s'kg k|fKt x'g] / ;f]xL s'kg k'g{nufgLdf k|of]u

x'g] x'Fbf k'gn{ufgL hf]lvd af/] v'nfpg] M

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27

C0fkqdf tyf a}+s lgIf]kdf u/]sf] nufgLaf6 k|fKt Aofh cfDbfgL k'g nufgL ul/g] x'G5 . olb Aofhb/df kl/jt{g ePdf o;/L k|fKt Aofh /sd

k'g{nufgL ubf{ plQs} k|ltkmn k|fKt ug{ g;lsg] hf]lvd /xg ;Sb5 .

-!!_ of]hgf cGtu{t nufgL ul/g] laleGg k|sf/sf lwtf]kqx?n] laleGg k|sf/sf hf]lvd axg ug]{ s'/f h:tf] sL ;/sf/L C0fkqeGbf Jofkfl/s sDkgLn]

hf/L u/]sf C0fkqx?df a9L hf]lvd /xg] s'/f M

of]hgfn] laleGg k|sf/sf] lwtf]kqdf nufgL ug]{ x'G5 . oL lwtf]kqx?df z]o/, cu|flwsf/ z]o/, l8j]Gr/, ;/sf/L C0fkq cflb x'G5g\ . oL lwtf]kqsf]

k|s[ltsf] cfwf/df z]o/sf] t'ngfdf cu|flwsf/ z]o/ To;kl5 ;+:yfut l8j]Gr/ sd hf]lvdk"0f{ x'G5g\ eg] ;/sf/L C0fkqnfO{ hf]lvd/lxt lwtf]kq

dflgG5 . of]hgfn] o:tf lwtf]kqdf u/]sf] nufgLdf nufgL cg'kft cg'?ksf] hf]lvd /xG5 .

-!@_ of]hgfn] nufgL ug]{ cGo pks/0fx? h:t} 8]l/e]l6K;\, o'r/, cK;g cflbdf lglxt hf]lvdx? af/] pNn]v ug]{ M

of]hgfn] o:tf pks/0fx?df nufgL ug]{ p2]Zo /fv]sf] 5}g . eljiodf o:tf pks/0fx?df nufgL ug]{ cj;/ pknAw ePdf af]8{sf] :jLs[ltdf nufgL

ug{ ;lsg]5 . To:tf] cj:yfdf o:tf pks/0fx?df lglxt hf]lvd tTjsf] c;/ of]hgfsf] hf]lvd tyf k|ltkmndf ;d]t kg{ ;S5 .

-!#_ of]hgfsf] nufgL kl/jTo{ ljb]zL d'b|f jf ;f]df cfwfl/t pks/0fx?df nufgL ug]{ ePdf ljb]zL d'b|f ljlgdo b/df cfpg] kl/jt{gaf6 x'g] hf]lvd af/]

pNn]v ug]{ M

of]hgfn] xfn o; k|sf/sf] pks/0fx?df nufgL ug]{ p2]Zo /fv]sf] 5}g . o:tf pks/0fdf nufgL ug]{ cj;/ k|fKt ePsf] cj:yfdf af]8{sf] :jLs[lt

lnO{ nufgL ul/g]5 . To;/L nufgL ul/Psf] cj:yfdf ljb]zL d'b|f kl/jt{gaf6 x'g] hf]lvdof]hgf / o;sf] k|ltkmndf ;d]t /xG5 .

-!$_ of]hgfsf] cjlwe/ ;f]sf] d"No a[l4sf] cj;/ /xg] t/ ;f]sf] af]gz gkfpg] af/] M

of]hgfsf] sfo{;Dkfbgsf] cfwf/df of]hgf cGt{utsf OsfO{x?sf] d"No a[l4 x'g] ;Defjgf /xG5 . of]hgfn] k|fKt u/]sf] k|ltkmnsf] cfwf/df

OsfO{wgLx?nfO{ of]hgfn] gub nfefFz ljt/0f ug{ ;Sg] cj:yf x'G5 . tyflk of]hgfn] s'g} k|sf/sf] af]gz eg] ljt/0f ug]{ 5}g .

-u_ hf]lvd Joj:yfkgsf] nflu Joj:yfkg -sf]if Joj:yfks_ sf] wf/0ff M

-!_ of]hgfsf] nufgLdf x'g] hf]lvd Joj:yfkgsf nflu sf]if Joj:yfks ;b}j ;r]t /xL ahf/df pTkGg x'g] hf]lvdx?sf] lg/Gt/ cWoog u/L hf]lvd

Joj:yfkgsf nflu pko'Qm pkfo cjnDag ul/g]5 .

-@_ ;jn tYofª\s k|0ffnLsf] ljsf; u/L kof{Kt cWoog cg';Gwfgsf cfwf/df nufgL ug]{ Joj:yf tyf k|s[ofsf] ljsf; ul/g]5 .

-#_ lwtf]kqdf nufgL ug'{k"j{ pQm lwtf]kq / ;DalGwt sDkgLsf] ;DaGwdf kof{Kt ljZn]if0f u/]/ dfq nufgL ;DaGwL lg0f{o ul/g]5 . o;sf nflu ljleGg

ljQLo ljZn]if0fsf nflu pknAw cEof; tyf pks/0fx?sf] pkof]u ul/g]5 .

-$_ ahf/sf] cj:yf tyf hf]lvd kIfnfO{ Wofgdf /fvL lwtf]kqdf ul/Psf] nufgLnfO{ pko'Qm ;dodf t/n ;DklQdf kl/0ft ug]{ tyf t/n ;DklQnfO{

nufgLdf kl/0ft ug]{ k|ls|of lg/Gt/ cjnDag ul/g]]5 .

-%_ nufgLdf hf]lvd Go"gLs/0f ug{ / nufgLdf ;dof]lrt k|ltkmn k|fKt ug{ cfjZostf / cj;/ cg'?k lg/Gt/ nufgL ljljwLs/0fsf] k|ls|of canDag

ul/g]5 .

- _ t/ntf Joj:yfkgdf ;b}j pRr ;ts{tf ckgfOg]5 .

( O{sfO lgisf;g;DaGwL ljj/0f

(=! O{sfO laqmL v'nf ul/g] ldlt tyf cjlw M

af]8{af6 ljj/0f k'l:tsf :jLs[t eP kZrft\ OsfO{sf] nflu lgj]bg lbg kfpg] cjlw laqmL v'Nnf ePsf] ldltaf6 #) lbg;Dd /xg ;Sg]5 . t/ pQm cjlw leq ;Dk"0f{

OsfO{ laqmL gePdf af]8{sf] :jLs[lt lnO{ a9Ldf #) lbg;Dd lgj]bg lbg kfpg] cjlw yk ug{ ;lsg]5 . laqmL v'nf cjlw slDtdf % sfo{ lbgsf nflu x'g] ePtfklg

k|To]s ljsf; If]qdf slDtdf Ps ;Íng s]Gb| /xg] u/L slDtdf !) ;Íng s]Gb|sf] Joj:yf u/L cfj]bg k|fKt ubf{ lgisflzt OsfO{eGbf a9L OsfO{sf nflu cfj]bg

k|fKt ePsf] cj:yfdf lgj]bg lbg] cjlw $ sfo{ lbgdf l;ldt ug{ ;lsg]5 .

(=@ cfj]bg ;Íng s]Gb| -laqmL s]Gb|_ ;DaGwL hfgsf/L M

g]kfn lwtf]kq af]9{af6 lwtf]kq vl/b -;fj{hlgs lgisf;g_ ;DjlGw lgb]{lzsf, @)&# (ASBA) nfu' ePsf] / @)&$ >fj0f ! ut]b]lv ;fj{hlgs lgisf;gdf ;f]xL lgb]{lzsfsf] Joj:yf adf]lhd dfq cfj]bg ug{ kfO{g] ePsf]n] pQm lgb]{lzsf adf]lhd g]kfn lwtf]kq af]8{af6 ;xeflu a}+ssf] Ohfht k|fKt a}+s tyf ljlQo ;+:yfsf

tf]lsPsf b]z el/sf zfvf sfof{non] cfj]bg ;+sng s]Gb|sf] sfo{ ug]{5g\ .

(=# lgj]bg lbg;Sg] JolQm tyf ;+:yfx? M

s'g} klg g]kfnL gful/s o; ljj/0f k'l:tsf cg';f/ hf/L ul/g] OsfO{ vl/b ug{ cfj]bg lbg ;Sg]5g\ . ;fy} k|rlnt sfg'g adf]lhd btf{ ePsf kmd{x?n] klg kmd{sf]

gfdaf6 o; of]hgfdf nufgL ug{ ;Sg]5g\ . ;fy} a}+s, ljlQo ;+:yf, OG:of]/]G; sDkgL, s'g} klg ju{ jf ;d"xn] v8f u/]sf] sf]ifx? h:t} ;~rosf]if, sNof0fsf/L sf]if,

u'7L, cIfo sf]if cflbn] o; ljj/0f k'l:tsf cg';f/ hf/L ul/g] OsfO{ vl/b ug{ cfj]bg lbg ;Sg]5g\ . lwtf]kqsf] s]lGb|o lgIf]k ;]jf lgodfjnL, @) & adf]lhd

lxtu|fxL vftf vf]n]sf JolQm tyf ;+:yfx?n] dfq o; lgisf;gdf cfj]bg ug{ ;Sg]5g\ .

(=$ vl/b ug{ ;lsg] Go"gtd tyf clwstd OsfO{ ;ª\Vof M

cfj]bsn] Go"gtd !)) -Ps ;o_ OsfO{ tyf ;f]eGbf dfly !) sf] u'0ff+sdf clwstd @,)),)),))) -b'O{ s/f]8_ O{sfO;Dd vl/bsf nflu cfj]bg lbg ;Sg]]5g\ .

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(=% OsfO{sf] afF8kmfF6, lkmtf{ e'QmfgL tyf ;"rLs/0f;DaGwL Joj:yf M

!= of]hgfsf] ;Dk"0f{ OsfO{ laqmLsf nflu lgj]bg k|fKt ePdf laqmL v'nf /fVg'kg]{ Go"gtd cjlw Joltt ePkl5 of]hgf Joj:yfks÷lgisf;g tyf laqmL k|aGwsn]

h'g;'s} ;dodf ;"rgf k|sfzg u/L OsfO{ laqmL aGb ug{ ;Sg]5 .

@= laqmL v'Nnf ePsf] lgj]bg lbg] cjlw tyf af]8{af6 yk ePsf] cjlw leq slDtdf krf; k|ltzt OsfO{ v/Lb ug{ lgj]bg k|fKt ePdf OsfO{sf] afF8kmfF6

ul/g]5 .

#= o; ljj/0f k'l:tsf cg';f/ OsfO{ laqmL v'Nnf cjlw;Dd klg cfx\jfg u/]sf] Go"gtd krf; k|ltzt OsfO{ vl/b ug{sf] nflu cfj]bg k|fKt gePdf of]hgf

vf/]h u/L kGw| lbgleq lgj]bsx?sf] /sd lkmtf{ ul/g]5 .

$= OsfO{ afF8kmfF6 ubf{ o; ljj/0f k'l:tsfdf pNn]lvt clwstd l;df ;Ddsf ]dfq OsfO{ afF8kmfF6 ul/g]5 . t/ o; ljj/0f k'l:tsf dfkm{t lgisf;g ul/Psf]

eGbf a9L ;ª\Vofdf OsfO{ dfu ePdf lgisf;g ul/Psf] OsfO{ ;ª\Vofsf] kRrL; k|ltzt;Dd yk u/L OsfO{ afF8kmfF6 ul/g]5 .

%= OsfO{sf] afF8kmfF6 ;DaGwL cGo Joj:Yff k|rlnt lwtf]kq lgisf;g tyf afF8kmfF6 lgb]{lzsf, @)&$ adf]lhd x'g]5 .

= of]hgfsf OsfO{x? g]kfn :6s PS;r]Gh ln=df ;"rLs/0f tyf l;=l8=P;= P08 lSnl/Ë ln= df btf{ u/fO{ bf];|f] jhf/df sf/f]af/sf] Joj:yf

ldnfOg]5 .

(= cfj]bg lbbfF Wofg lbg'kg]{ s'/fx? M

!= of]hgfsf] OsfO{ vl/bsf nflu cfj]bg lb+bf cfj]bg kmf/fddf cfkm'n] lng rfx]sf] OsfO{ ;+Vof tyf /sd :ki6 ?kdf e/L a'emfpg' kb{5 . of]hgfsf OsfO{x?

v/Lb ubf{ Go"gtd !)) OsfO{ tyf ;f] eGbf dfly !) sf] u'0ff+sdf clwstd @ s/f]8 OsfO {;Dd v/Lb ug{ ;lsg]5 . cfj]bg kmf/fd;fy cfj]bg jfktsf]

zt\k|ltzt /sd e'QmfgL ug'{kg]{5 .

@= of]hgf lgisf;g ;DjlGw ljj/0f k'l:tsf, of]hgf Joj:yfkssf] k|aGwkq tyf lgodfjnL tyf cGo ;DjlGwt sfuhftx? of]hgf Joj:yfkssf] sfof{nodf uO{

x]g{ ;lsg]5 .

#= cfj]bsn] cfj]bg kmf/fddf cf gf] lxtu|flx vftf gDa/ clgjfo{ ?kdf v'nfpg' kg]{5 . gfafnssf xsdf gfafnssf] lxtu|flx vftf gDa/ pNn]v ug'{ kg]{5 .

$= Ps JolQm jf ;+:yfn] PseGbf a9L cfj]bg ug{ ;Sg] 5}g / To:tf] kfO{Pdf cfj]bg /2 ug{ ;lsg]5 .

%= g]kfn lwtf]kq af]8{af6 ;xefuL a}+ssf] cg'dlt k|fKt a}+s tyf ljlQo ;+:yf dWo] cf gf] vftf /x]sf] a}+s ljlQo ;+:yfaf6 cf:jf -ASBA_ k|0ffnL

cGtu{t dfq cfj]bg ug{ ;lsg]5 . ;xeflu a}++sx?n] ?=!),)),)))/- jf ;f] eGbf a9L b/vf:t lbg cfj]bssf] Kofg g+= /x]sf] tyf cfj]bg jfkt hDdf u/]sf] /sd ;DklQ z'l4s/0f P]gsf] jlv{nfk x'g] ul/ cfh{g gu/]sf] elg pb\3f]if0f u/]sf] olsg ug'{kg]{5 .

= of]hgfsf] sfo{ k|ult ;DjGwdf hfgsf/L k|fKt ug]{, of]hgfn] ljt/0f u/]sf] nfef+z k|fKt ug]{, of]hgfsf] ;+rfng tyf vf/]hL ;DjGwdf cf gf] dt /fVg], of]hgf

;DjGwdf cf gf u'gf;f /fVg] h:tf clwsf/ k|fKt ub{5g\ eg] of]hgfn] nufgL u/]sf sDkgL?sf] z]o/wgLn] k|fKt ug]{ clwsf/ OsfO{jfnfnfO{ k|fKt x'Fb}g .

&= o; ljj/0f k'l:tsfdf pNn]v ul/Psf] lgsfo afx]s cGon] o; of]hgfsf] lj1fkg ug{, hfgsf/L pknJw u/fpg jf k|ltlglwTj ug{ gkfpg] x'Fbf nufgLstf{n]

tf]lsPsf ;xefuL a}+sx?af6 g} OsfO{ v/Lbsf nflu cfj]bg ug'{kb{5 .

*= nufgLstf{n] OsfO{df nufgL ug'{cl3 o; ljj/0f k'l:tsfsf] /fd|/L cWoog ug'{ kb{5 .

!) OsfO{ wgL -of]hgfsf ;xefuL_ nfO{ k|fKt x'g] clwsf/ tyf ;]jf M

OsfO{ wgL -of]hgfsf ;xefuL_ nfO{ k|fKt x'g] clwsf/ M

-s_ of]hgfsf] nufgL gLlt, p2]Zo tyf ljQLo cj:yfjf/] hfgsf/L k|fKt ug]{ .

-v_ of]hgfn] ljt/0f u/]sf] k|ltkmn k|fKt ug]{ .

-u_ of]hgf cGtu{tsf cf gf gfddf /x]sf OsfO{x? cf gf] ;DklQ ;/x bf];|f] ahf/df laqmL ug]{ tyf bf];|f] ahf/df vl/b ul/Psf OsfO{x? cf gf] gfddf

gfd;f/L u/fpg] .

-3_ of]hgf Aoj:yfkssf] sfo{ ;Dkfbg ;DaGwdf jf of]hgf vf/]hLsf ;DaGwdf cfkm\gf] dt /fVg] .

-ª_ of]hgf ;~rfng ;DaGwdf s'g} u'gf;f] eP of]hgf Aoj:yfks, sf]if ;'kl/j]Ifs tyf af]8{df u'gf;f /fvL ;dfwfg u/fpg] .

-r_ of]hgfsf] sfo{ ;Dkfbg;Fu ;DalGwt v'b ;DklQ d"No, nufgLsf] cj:yf tyf of]hgfsf] ljQLo ljj/0f lgodfjnLn] Aoj:yf u/] adf]lhd k|fKt ug]{ .

lgisf;g a}+s M

lwtf]kq vl/b -;fj{hlgs lgisf;g_ ;DjlGw lgb]{lzsf @)&# (ASBA) adf]lhd cfj]bg ;+sng ul/g] x'Fbf o; lgisf;gdf s'g} lgisf;g a}+s tf]lsPsf] 5}g .

!! u'gf;f] ;'Gg] / ;dfwfg ug{] k|s[of M

of]hgf lgisf;gsf jvt pTkGg x'g;Sg] u'gf;fx?nfO{ ;DalGwt ;Íng s]Gb| tyf of]hgf Joj:yfkssf] sfof{noaf6 ;dfwfg ug]{ Joj:yf ldnfOg]5 . ;fy} of]hgf

Joj:yfksn] of]hgf ;~rfngsf] qmddf ;xefuLx?sf] aLrdf jf of]hgf / ;xefuLx?sf aLrdf s'g} ljjfb p7]df To;sf] ;dfwfgsf nflu of]hgf Joj:yfkssf

ck/]zg OGrfh{, >LdtL zfGtL k"8f;}gLnfO{ lgod kfngf clws[tsf] ?kdf lgo'Qm u/]sf] 5 . lgod kfngf clws[tn] k|fKt u'gf;f] ;'Gg], ;f]sf] ;dfwfgsf pkfox?

klxrfg ug]{ / ;fdfGo k|sf/sf u'gf;fx?nfO{ sfg'g;Ddt tl/sfn] cfkm\g} txaf6 ;dfwfg ug]{5 . o;/L ;dfwfg x'g g;Sg] tyf hl6n k|s[ltsf u'gf;f] k|fKt ePdf

;Dej eP;Dd of]hgf Joj:yfksaf6 / ;Dej gePdf sf]if ;'kl/j]Ifs;dIf /fvL ;f]sf] ;dfwfg ul/g]5 . nufgLstf{x?n] b]xfoadf]lhdsf] dfWoddfkm{t cf gf]

u'gf;f] tyf ;'emfj k|]lift ug{ ;Sg]5g\ M kmf]g g+= $$!&&@#÷$$!*^ &, E-mail: [email protected]

Page 30: l;l6hG; Do'r'cn km08 · 0 lwtf]kq ;DaGwL P]g, @)^# / ;fd"lxs nufgL sf]if lgodfjnL, @)^& adf]lhd g]kfn lwtf]kq af]8{df btf{ ePsf] l;l6hG; Do'r'cn km08 cGtu{t ;~rfng x'g]

29

!@= of]hgf Joj:yfkssf] k|lta4tf–kq -8\o' 8]lnh]g;\ ;l6{lkms]6_ M

Page 31: l;l6hG; Do'r'cn km08 · 0 lwtf]kq ;DaGwL P]g, @)^# / ;fd"lxs nufgL sf]if lgodfjnL, @)^& adf]lhd g]kfn lwtf]kq af]8{df btf{ ePsf] l;l6hG; Do'r'cn km08 cGtu{t ;~rfng x'g]

30

!#= o; ljj/0f k'l:tsfdf 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}F egL ;xL

5fk ug{] ;~rfnsx?sf] gfd tyf b:tvt M

qm=;+= ;~rfnsx?sf] gfd kb b:tvt

! >L Uf0f]z /fh kf]v|/]n

cWoIf

@

>L af]w/fh b]jsf]6f

;~rfns

# >L /fdwg >]i7

;~rfns

$ >L w|'j k|;fb clwsf/L ;+rfns

% >L k|Hjn hË kf08] :jtGq ;~rfns

>LdtL l/tf ;'j]bL :jtGq ;+rfns


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