md¾,sfïka;= mk;la uÕska · wOHlaI uKav,h

md¾,sfïka;= mk;la uÕska

tjlg mej;s idïm%odhsl

b;sßlsÍfï wdh;k i;rla

taldnoaO lrñka 1972 § cd;sl

b;sßlsÍfï nexl=j ia:dms;

lrk ,§' wmf.a mQ¾j.dñlhd

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,xld b;sßlsÍfï nexl=fjka

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ysñlr .;af;uq'

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lsÍu i|yd 1988 wxl 30 orK

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cd;sl b;sßlsÍfï nexl=jg

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n,m;%h ,nd § we;' ish¨

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Y%S ,xldfõ iqrlaIs;u nexl=j

f,i cd;sl b;sßlsÍfï

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cd;sl wd¾Ólh ;=< ±äj

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jd¾;dlrK uq,msÍï o¾Ylh (GRI) 125

md,kh 129wOHlaI uKav,h 130

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cd;sl b;sßlsÍfï nexl=j jd¾Isl jd¾;dj 2018148

md,kh uQ,H jd¾;d w;sf¾l f;dr;=re

wmf.a md,k o¾Ykh

wdh;ksl hymd,kh hkq wdh;khla md,kh jk wdldrh

iïnkaOfhka n,mEï iy.; u.fmkaùula wruqKq lrf.k

fldgialrejka" wOHCI uKav,h" l<ukdldß;ajh yd wfkl=;a

iyNd.s;aj lKavdhï w;r in|;dj ks¾jpkh lrk rduqjhs' th

fldgialrejkaf.a whs;Ska wdrlaId lsÍu" wkdjrKh yd úksúoNdjh

by< kexùu" wOHCI uKav,fha M,odhS l%shdldr;ajhg myiqlï

ie,iSu iy ld¾hCIu ffk;sl yd kshduk n,d;aul lsÍfï rduqjla

iemhSu wruqKq lr f.k isà' wdh;kh ;=, we;s jHdmdßl wdpdr

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yd l%ufõo yd M,odhS wëCIK l%u u; m%Yia; md,k l%ufõohla

flakaø.; fõ' tneúka wdh;ksl hymd,kfha yrh jkafka tys

ish¿u md¾Yjlrejkag j.ùuhs'

wdh;ksl hymd,kh cks; úh hq;af;a nexl=fõ wdh;ksl ixialD;sh

yd yr moaO;sh ;=,ska nj;a th kS;s iïmdok wkql+,;d yd hy

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fjñka iyNd.s;aj lKavdhïj, wNs,dI wdrlaId lr .ekSu Wfoid

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ks¾udKh lr we;' tu ksid wmf.a nexl=lrK fiajd iqrlaIs; yd

ia:djr nj iy;sl lrkq jia wm úiska cd;Hka;r uÜgfï nexl=lrK

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md¾Yjlrejkaf.a iqNisoaêh fjkqfjka wm ksrka;rfhka l%shd lrk

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j.lSu iy úksúoNdjh hk wdh;ksl md,kfha m%Odk m%;sm;a;s

cd;sl b;sßlsÍfï nexl=j úiska l%shdfjys fhdojhs'

hym;a wdh;ksl md,khla l%shd;aul lsÍfuys,d .=Kd;aulNdjh

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yd ne?reï fjñka mßkduh jk kshduk yd hy mßphka iu.ska

wdh;ksl hymd,kh l%shdjg kexùfï m%udKd;aul Ndjh ms<sn|

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úiska ksrka;rfhka wkq.ukh lrkq ,nhs' th" nexl=fõ Ndrldß;aj

N+ñldj i|yd fmruqK .ekSu iy tu ld¾h l<ukdldß;ajhg

mjrd§u" iïm;a fnod yeÍu" wjodkï l<ukdlrKh" wkql+,;dj"

ld¾h idOk we.hSu yd ydks mQ¾Kh" iïnkaê; md¾Yj iu.

.kqfokq yd jd¾;dlrKh i|yd wOHlaI uKav,hg iydh fõ'

nexl=jg wod< m%Odk kshduk wjYH;d iy

iafõÉPd kS;s ix.%y iy nexl=fõ wdh;ksl

md,k rduqfõ uQ,O¾u

nexl=fõ wdh;ksl md,k rduqj kshduk rduqjla fukau iafõÉPd

kS;s ix.%y ud,djlskao n,d;aul ù we;'

kshduk wjYH;d

1971 wxl 30 ork cd;sl b;sßlsÍfï nexl= mk; yd tys ixfYdaOk

1988 wxl 30 ork nexl=lrK mk; yd tys ixfYdaOk

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we;s úOdk úfYaIfhka wdh;ksl hymd,kh ms<sn| 2007 wxl 12

ork nexl=lrK mk;a úOdk

2017 wxl 24 ork foaYSh wodhï mk;

1954 wxl 19 ork idmamq yd ld¾hd, mk; yd tys ixfYDAOk

Y%S ,xldfõ fmdÿ jHdmdr i|yd wdh;ksl md,kfha

hy Ndú; ix.%yh

nexl=jg wod< iafõÉPd kS;s ix.%y

md,k ix.%yh i|yd Y%S ,xld jr,;a .Kldêlrejkaf.a

wdh;kh úiska ksl=;a lr we;s hy Ndú; ix.%yh

cd;sl b;sßlsÍfï nexl=fõ wdh;ksl md,k rduqj

cd;sl b;sßlsÍfï nexl=j wdh;ksl md,kfha Wiia m%ñ;Ska" wdpdrO¾u

yd wjxlNdjh fjkqfjka lemù isà' nexl=j mqrd ;SrK .ekSfï

ls%hdj,sh Yla;su;a lrk oeä md,k mßphkA yd meyeÈ,s kshduk

ls%hd;aul lsÍu i|yd ud¾f.damfoaYl;ajh imhk" wOHlaI uKav,h

úiska wkqu; lrk ,o" meyeÈ,sj ks¾jpkh lr we;s wdh;ksl

md,k rduqjla ;=, nexl=j l%shd;aul fõ' wOHlaI uKav,h nexl=fõ

wdh;skl md,kh ms<sn| w.% tallh jk w;r" nexl=fõ ld¾hidOkh

iy lghq;= ms<sn| j.lSu iy j.ùu fukau iodpdrd;aul p¾hdjkaf.a

by< m%ñ;Skag wkql+,j nexl=j lghq;= lrk njo iy;sl lrhs'

wmf.a wOHCI uKav,h ¥ro¾YS yd M,odhS md,k rduqjla ;=< isg

md¾Yjlrejkaf.a jákdlï ks¾udKh lsÍu wdrCId lsÍu i|yd

kdhl;ajh yd Wmdh ud¾.sl u.fmkaùu ,ndfoa' fuh È.=ld,Sk

;sridr ixj¾Okh yd j¾Okh iy;sl lsÍu i|yd wjodkï ;lafiare

lsÍug yd l<ukdlrKh lsÍug Wmldr fõ' wOHlaI uKav, wkq

lñgq" l<ukdlrK lñgq yd wdh;k l<ukdlrK lñgq tys§

wOHlaI uKav,hg iydh fõ' wOHlaI uKav,h úiska wkqu; lrk

,o Wmdh ud¾. l%shd;aul lsÍu l<ukdlrK lñgqj, yd wdh;k

l<ukdlrKfha j.lSu fõ' nexl=fõ mQ¾j ks.ukh lrk ,o wjodkï

uÜgu ;=, fufyhqï l%shdjg kexùfï j.lSu m%Odk jHdmdßl wxY iy

Wmldrl fiajd imhk wxY fj; mejÍ we;' nexl=fõ wdh;ksl md,k

jHqyh msgq wxl 150 ys i|yka fõ'

wdh;ksl md,kh

wdh;ksl md,kh

cd;sl b;sßlsÍfï nexl=j jd¾Isl jd¾;dj 2018 149


cd;sl b;sßlsÍfï nexl=fõ hymd,k rduqj my; m%;sm;a;s u;

ilia ù we;'

cd;sl b;sßlsÍfï nexl=fõ ish¿u uÜgïj, lghq;= l<ukdlrKh

lsÍfï§ j.lSu iy j.ùu'

wOHlaI uKav,h úiska m;a lrk ,o Wm lñgq u.ska Tjqkag mjrd

we;s úfYaIs; j.lSï wëlaIKh flfrk njg iy;slùu'

nexl=fõ jHdmdßl wruqKq bgq lsÍug Wmldß jk m%Yia;

l<ukdldÍ jHqjyh ks¾Kh lsÍu'

jHdmdßl wruqKq yd cd;sl b;=reïys ienE wre; w;r iunr;dj

mj;ajd.ekSu iy fhda.H mßÈ by, l<ukdlrKh w;r j.lSï

fnod§u'

cd;sl b;sßlsÍfï nexl=fõ Yla;su;a nj yd iqrlaIs; nj iy;sl

lsÍu i|yd úplaIKYS,S wjodkï l<ukdlrK m%;sm;a;s yd

jHdmdßl ls%hdldß;ajh we.hSug ,lalsÍu'

wOHlaI uKav,h yd fcHIaG l<ukdlrKh iuÕ iqyoYS,S

iïnkaOhla mj;ajd.ksñka kj woyia bÈßm;a lsÍu yd tjka

woyia bÈßm;a lsÍu i|yd wjia:dj ,nd§u'

rcfha hymd,k fr.=,dis j,g wjk;ùu iy wkql=,ùu yd tajd

ls%hd;aul lsÍu iïnkaOfhka md,k wêldßh iu. idlÉPd j,g

ils%h f,i odhlùu'

wNHka;r ú.Kkh" wkql+,;djh iy wjodkï l<ukdlrK

ld¾hhka we;=¨ wNHka;r md,k moaO;s wëlaIKh jHdmdr

lghq;= j,ska neyerj iajdëkj bgq lsÍu'

cd;sl b;sßlsÍfï nexl= mkf;ys ish¨ wjYH;d" kS;sÍ;s yd

ksfhda. j,g wkql+,ùu'

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jeo.;a jk m%Odk idOlhls' ndysr kshduk iu. wkql+,ùu i|yd

mq¿,a m%;sm;a;s rduqjla Tiafia myiqlï i,id we;' wm jHdmdr l<hq;=

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cd;Hka;r hymßphka u; mokïj ilia lr ;sfnk w;r" nexl=fõ

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wkql+, jk mßÈ ilia lr ;sfí'

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jd¾;djla wOHlaI uKav, taldnoaO wjOdkï l<ukdlrK lñgqjg

bÈßm;a lrkq ,nhs'

wdh;ksl md,kh



CMC wdh;ksl l<ukdlrK lñgqj

ALCO j;alï yd j.lSï l<ukdlrK lñgqj

CC Kh lñgqj

IC wdfhdack lñgqj

PRC ld¾hidOk iudf,dapk lñgqj

BOSC YdLd fufyhqï kshduk lñgqj

ITSC f;dr;=re ;dCIK kshduk lñgqj

MKTC wf,úlrK lñgqj

ORMC fufyhqï wjodkï l<ukdlrK lñgqj

PDC ksuejqï m%j¾Ok lñgqj

HRC udkj iïm;a lñgqj

CPC-Major wdh;ksl m%iïmdok lñgqj ^m%Odk&

CPC-Minor wdh;ksl m%iïmdok lñgqj ^wm%Odk&

EC iufldgia lñgqj

TNIC fgkav¾ iy kj wdfhdack lñgqj

EPC úOdhl m%iïmdok lñgqj

kshdulhska

cd;sl b;sßlsÍfï nexl=fõ md,k jHqyh

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wdh;ksl l<ukdldÍ;ajh

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wdh;ksl md,kh



wmf.a wOHlaI uKav,h

cd;sl b;sßlsÍfï nexl=fõ wOHCI uKav,h nexl=fõ ;SrK .ekSfï

m%Odk wêldßh f,i l%shd lrk w;r" tlÕ jQ wjodkï wNsreÑ

uÜgï yd m%;sm;a;s rduqj u; mokïj Wmdhud¾.sl ÈYdk;sh ;SrKh

lsÍfï j.lSu wOHlaI uKav,h fj; mejf¾' wOHlaI uKav,h ish

j.lSu w;a fkdyßñka iy wNHka;r md,k l%u ls%hd;aul lrñka

yd wëlaIKh lrñka tÈfkod fufyhqï mj;ajdf.k hdfï j.lSu

wdh;k l<ukdldÍ;ajhg mjrd we;' fï ls%hdj,sh wfkHdakH

.re;ajh iy wjxlNdjh u; isÿfõ'

wOHlaI uKav, m%{ma;sh Tiafia wOHlaI uKav,fha ld¾hNdrh iy

j.lSï úia;r flf¾' nexl=fõ m%Odk jHdmdßl lafIa;% iïnkaOfhka

m%dfhda.sl m%fõYhla wkq.ukh lrñka" tys jHdmdßl wlD;sfha

m%;sM, ¥ro¾YSj w.hñka iy tu m%;sM, yd úNj yqjudre flfrys

fufyhqï mßirfha n,mEu ;lafiare lrñka nexl=fõ wNs,dIhka

idlaId;a lsÍu i|yd wOHlaI uKav,h lemù isà' rcfha úê ksfhda.

hla iys; uQ,H w;rueÈfhla jYfhka —Tnf.a b;=reï i|yd jvd;au

úYajdiodhl iy ckms%h;u f;dard.ekSu˜ njg m;aùfï tys oelau

<Õd lr.ekSug nexl=j wLKavju iu;a jk nj iy;sl lsÍu i|yd

wOHlaI uKav,h lemfõ' tfyhska nexl=j iS>%fhka fjkia fjñka

mj;sk .Kqfokqlrejkaf.a yd md¾Yjlrejkaf.a wjYH;d imqrd,Sug

ld¾hlaIuj lghq;= lrk njg wOHlaI uKav,h iy;sl fõ'

j¾;udk wOHlaI uKav,h Bg mjrd we;s ld¾hhka ms<sn| ú.%y

lr.ekSug yelsjk mßÈ iajlSh lafIa;%fha m%ùK;ajfhka iy

ksmqK;djfhka fyì w;aoelSï nyq, jD;a;Shfõ§ka jk wOHlaIjre

i;a fofkl=f.ka iukaú; fõ' j;auka wOHlaI uKav,fha wOHlaIjre

ihfofkla iajdëk fkdjk iy úOdhl fkdjk wOHlaIjre jk w;r

tla wOHlaIjrfhla iajdëk yd úOdhl fkdjk wOHlaIjrfhla fõ'

j¾;udk wOHlaIjrekaf.a úia;r iy iqÿiqlï msgq wxl 131 isg 133 ys

olajd we;s w;r wOHlaI uKav, wkqlñgqj, Tjqkaf.a idudðl;ajh

ms<sn| f;dr;=re msgq wxl 154 ys i|yka fõ'

wOHlaI uKav, l%ufõoh

tlÕjQ /iaùï ld,igykla wkqj cd;sl b;sßlsÍfï nexl= mk;

m%ldrj wOHlaI uKav,h wju jYfhka i;s yhlg jrlj;aa /iafõ'

wjYH;djh wkqj wu;r /iaùï le|jkq ,efí' wOHlaIjreka ks;sm;d

/iaùï j,g iyNd.S jk w;r idlÉPd i|yd ils%hj odhl fj;s' 2018

jif¾§ wOHlaI uKav, /iaùï j,g wod< meñKSfï f,aLKh msgq wxl

152 oelafõ' idudkHdêldÍ$m%Odk úOdhl ks<OdÍ iu. idlÉPd lr

wOHlaI uKav, f,alïf.a iyfhda. we;sj wOHlaI uKav, /iaùï j,

kHdh m;%h ;SrKh lsÍfï j.lSu iNdm;s;=udg mejÍ ;sfí' wOHlaI

uKav, f,alï úiska wod< wOHlaI uKav, m;s%ld iu`.ska

/iaùfï kHdh m;%h /iaùug i;shlg fmr wOHlaI uKav,

idudðlhka w;r fnod yßkq ,efí' t<fUk wOHlaI uKav, /iaùu

i|yd ksis mßÈ iQodkï ùu iy idlÉPd l< hq;= lreKq uek.ekSu u;

mokïjQ ;SrK .ekSfï ls%hdj,shla i|yd wOHlaI uKav, idudðlhkag

tu.ska wjia:dj ysñfõ' úfYaI wjia:dj,§ flá oekqï§ulska yÈis

wOHlaI uKav, m;s%ld fhduq lrkq ,efí' ke;fyd;a /iaùu w;r;=r

iNd.; flf¾' /iaùï ms<sn| m%udKd;aul úia;r iys; jd¾;d iy

tys§ .kq ,nk ;SrK wOHlaIjrekaf.a mßYS,kh i|yd mj;ajdf.k

hkq ,efí'

.efgk wNs,dI (Conflict of Interest)

ukd úYajdifhka hq;=j nexl=fõ wNs,dI fjkqfjka ls%hdlsÍug;a uQ,H

fyda fjk;a wNs,dI ksid we;s jk .egqï j,ska je<lS isàug;a wOHlaI

uKav, idudðlfhda lemù isá;s' wOHlaIjrekag i,id we;s iEu

nexl=lrK myiqlulau YS% ,xld uy nexl=j úiska ,nd§ we;s n,;,

j,g wkql+, fõ' wOHlaIjre jd¾Islj ish j;alï m%ldY lrk w;r"

wNs,dI .eàula isÿ fkdjk nj iy;sl lsÍu i|yd wjYH l%ufõo

ls%hdjg kexfõ'

wOHlaI uKav, /iaùï

cd;sl b;sßlsÍfï nexl= mkf;a úêúOdk wkqj wOHlaI uKav, /iaùï

wju jYfhka i;s yhlg jrla meje;afjk w;r wjYH;djh wkqj

úfYaI /iaùï meje;afõ' wOHlaI uKav,h úiska jir ;=,§ úfYaI

/iaùï we;=¿j kHdh m;%dkql+, /iaùï 17 la mj;ajd we;' jir ;=kl

ld,hla i|yd Wmdhud¾.sl jHdmdr ie,eiaula ilia lrk f,ig

wOHlaI uKav,h úiska l<ukdldÍ;ajh fj; Wmfoia ,ndfok w;r"

th jd¾Islj ixfYdaOkh flf¾' 2019 ckjdß 1 jkod isg mQ¾K f,i

ls%hdjg kexfjk ndi,a III m%d.aOk m%udKd;aul;d wkqmd;slh we;=<;a

2016 wxl 01 ork YS% ,xld uy nexl= ksfhda.h ls%hdjg kexùu iòyd

iudf,dapkhg ,la flfrk j¾Ih ;=,§ wOHlaI uKav,h úiska

m%d.aOk l<ukdlrKh flfrys wLKavju wjOdkh fhduq lrk

,§' tfiau" wOHlaI uKav,h úiska ld¾;=jlg jrla Wmdhud¾.sl

jHdmdßl ie,eiafuys ld¾hidOkh iy ls%hdldÍ;ajh iudf,dapkh

lrk ,o w;r" jeäÿr wjOdkh wjYH lreKq ms<sn|j ish woyia

m%ldY lrk ,§'

wdh;ksl md,kh



wOHlaI uKav, wkq lñgq

ukd md,k rduqjla nexl=j ;=, ia:dmkh lsÍfï wruqK we;sj wOHlaI

uKav,h úiska ish n,;, wkq lñgq ihlg mjrd we;' tla tla ksYaÑ;

úIhh m:hg wod<j fï wkq lñgq msysgqjd we;' wOHlaI uKav,

ú.Kk lñgqj" wOHlaI uKav, taldnoaO wjodkï l<ukdlrK lñgqj"

wOHlaI uKav, udkj iïm;a yd mdßY%ñl lñgqj iy wOHCI uKav,

kdufhdackd lñgqj hk wksjd¾h lñgq i;r iy wOHCI uKav,

Kh lñgqj yd wOHCI uKav, f;dr;=re ;dCIK Wmdhud¾.sl lñgqj

hk wksjd¾h fkdjk lñgq oaú;ajh fuu wOHCI uKAv, wkq lñgq

ihg we;=,;a jk w;r ish úIhh m:hg wod< lreKq ms<snòj wOHCI

uKav,h fj; ks¾foaY bÈßm;a lsÍfï n,h mjrd we;'

fuu lñgq msysgqjd we;af;a kshduk wjYH;d fukau lafIa;%fha

hymßphka mdol lr.;a wOHlaI uKav,h úiska wkqu; lrk ,o

fhduq lsÍfï wkqfoaY (Terms of Reference) m%ldrjh' fuu wkq lñgq

úêu;a f,i /iajk w;r" Bg wod< mámdá ms<sn|j wOHlaI uKav,h

fj; jd¾;d flf¾' lñgqjg wod< j.lSï" 2018 jir ;=,§ isÿ lrk ,o

ls%hdldrlï" meñKSu iy meje;ajQ /iaùï ixLHdj wd§ úia;r we;=<;a

wOHlaI uKav, wkq lñgq jd¾;d msgq wxl 179 isg 193 olajd we;=<;a

fõ' wOHlaI uKav, f,alï ish¿u wOHlaI uKav, wkq lñgq j,

f,alïjrhd f,i lghq;= lrhs' /iaùï jd¾;dj iïu; lr.ekSu

i|yd wOHlaI uKav, /iaùug bÈßm;a flf¾'

wOHlaI uKav, /iaùï ms<sn| f;dr;=re my; oelafõ'

wOHlaI uKav,fha ixhq;sh iy 2018 jif¾§ wOHlaI uKav, /iaùï i|yd wOHlaIjrekaf.a meñKSu

wOHlaIjrhdf.a ku jhi ^wjqreÿ& idudðl ;;a;ajh ia;S%mqreI Ndjh m;aùu ,o Èkh /iaùï i|yd meñKSu

60 g

wvq

60g

jeä

úOdhl fkdjk

wOHlaI$úOdhl

wOHlaI

iajdëk wOHlaI$

iajdëk fkdjk

wOHlaI

mqreI ia;S% meñKSug

iqÿiqlï,;a

meñKs

wiaúka o is,ajd uy;d – iNdm;s

^2018 fkdjeïn¾ 12 olajd& xúOdhl fkdjk

wOHlaI

iajdëk fkdjk

wOHlaI x 2015 fmnrjdß 9 15 15wd¾' tï' mS' r;akdhl uy;d – iNdm;s

^2019 fmnrjdß 19 olajd& xúOdhl fkdjk

wOHlaI

iajdëk fkdjk

wOHlaI x 2018 fkdjeïn¾ 19 2 2ã' t,a' mS' wd¾' wfír;ak uy;d – ks, n,fhka

m;ajQ wOHlaI – ^2018 cQ,s 11 olajd& xúOdhl fkdjk

wOHlaI

iajdëk fkdjk

wOHlaI x 2012 fmnrjdß 9 9 6iqrx. kdjq,a,f.a uy;d – wOHlaI

^2018 foieïn¾ 31 olajd& xúOdhl fkdjk

wOHlaI

iajdëk fkdjk

wOHlaI x 2015 fmnrjdß 9 17 16wð;a m;srK uy;d – wOHlaI

^2018 cQ,s 19 olajd& xúOdhl fkdjk

wOHlaI

iajdëk fkdjk

wOHlaI x 2015 ud¾;= 20 10 9ta' fla' fifkúr;ak uy;d – ks, n,fhka m;ajQ

wOHlaI – ^2019 fmnrjdß 28 olajd& xúOdhl fkdjk

wOHlaI

iajdëk fkdjk

wOHlaI x 2015 uehs 27 17 14pkaÈu fyaupkaø uy;d – wOHlaI

^2018 cQ,s 19 olajd& xúOdhl fkdjk

wOHlaI

iajdëk fkdjk

wOHlaI x 2015 fkdjeïn¾ 2 10 10wks,a rdclreKd uy;d – fcHIaG wOHlaI

^2018 foieïn¾ 31 olajd& xúOdhl fkdjk

wOHlaI

iajdëk fkdjk

wOHlaI x 2015 fkdjeïn¾ 2 17 17fIydrd chj¾Ok ñh – wOHlaI

^2018 fkdjeïn¾ 12 olajd& xúOdhl fkdjk

wOHlaI

iajdëk fkdjk

wOHlaI x 2018 cQ,s 19 4 3wdpd¾h ã' Ikauq.iqkaorï uy;d – wOHlaI

xúOdhl fkdjk

wOHlaI

iajdëk fkdjk

wOHlaI x 2018 cQ,s 19 6 6hQ' Ô' wd¾' wdßhr;ak uy;d – ks, n,fhka m;ajQ

wOHlaI xúOdhl fkdjk

wOHlaI

iajdëk

wOHlaI x 2018 wf.daia;= 31 5 5

j¾;udk wOHlaI uKav,fha ixhq;sh

wOHlaIjrhdf.a ku jhi ^wjqreÿ& idudðl ;;a;ajh ia;S%mqreI Ndjh m;aùu ,o Èkh

60 g

wvq

60g

jeä

úOdhl fkdjk

wOHlaI$úOdhl

wOHlaI

iajdëk wOHlaI$

iajdëk fkdjk

wOHlaI

mqreI ia;S%

tÉ' tka' fÊ' pkaøfialr uy;d – iNdm;s x úOdhl fkdjk wOHlaI iajdëk fkdjk wOHlaI x 2019 ckjdß 31

wks,a rdclreKd uy;d – fcHIaG wOHlaI x úOdhl fkdjk wOHlaI iajdëk fkdjk wOHlaI x 2019 fmnrjdß 22

^2018 foieïn¾ 31 olajd iy 2019 fmnrjdß 22 jk Èk

kej; m;a lrk ,§'& x úOdhl fkdjk wOHlaI iajdëk fkdjk wOHlaI x

wdpd¾h ã' Ikauq.iqkaorï uy;d – wOHlaI x úOdhl fkdjk wOHlaI iajdëk fkdjk wOHlaI x 2018 cQ,s 19

hQ' Ô' wd¾' wdßhr;ak uy;d – ks, n,fhka m;ajQ wOHlaI x úOdhl fkdjk wOHlaI iajdëk wOHlaI x 2018 wf.daia;= 31

wð;a m;srK uy;d – wOHCI x úOdhl fkdjk wOHlaI iajdëk fkdjk wOHlaI x 2019 fmnrjdß 22

^2018 cQ,s 19 olajd iy 2019 fmnrjdß 22 jk Èk kej;

m;a lrk ,§'& x úOdhl fkdjk wOHlaI iajdëk fkdjk wOHlaI x

kiaß ksid¾ uy;d – wOHlaI úOdhl fkdjk wOHlaI iajdëk fkdjk wOHlaI 2019 fmnrjdß 22

mS' w,a.u uy;d – ks, n,fhka m;ajQ wOHCI úOdhl fkdjk wOHlaI iajdëk fkdjk wOHlaI 2019 fmnrjdß 28

wdh;ksl md,kh



2018 j¾Ih i|yd wOHlaI uKav, wkq lñgq j, ixhq;sh iy /iaùï i|yd wOHlaIjrekaf.a iyNd.S;ajh

ku iy úY%du .;a Èkh wOHlaI OQrfha

;;a;ajh

wOHlaI uKav,

ú.Kk lñgqj

wOHlaI uKav,

udkj iïm;a yd

mdßY%ñl lñgqj

wOHlaI uKav,

kdu fhdackd

lñgqj

wOHlaI uKav,

taldnoaO wjodkï

l<ukdlrK

lñgqj

wOHCI uKav,

Kh lñgqj

wOHCI uKav,

f;dr;=re ;dlaIK

Wmdhud¾. lñgqj

jHjia:dms; wjYH;dj,g

wkqj j¾Ih ;=, meje;aúh

hq;= wju /iaùï .Kk

4 4 2 4 wod< ke; wod< ke;

wod< j¾Ih ;=, mej;s uq¿

/iaùï .Kk

7 11 3 6 7 3

wiaúka o is,ajd uy;d -

iNdm;s

^2018 fkdjeïn¾ 12 olajd&

úOdhl fkdjk

wOHlaI$iajdëk

fkdjk wOHlaI

wod< ke; 10"

îNdm;s

2015 ud¾;= 12

Èk isg

2018 fkdjeïn¾

12 olajd&

wod< ke; wod< ke; 7"

îNdm;s - 2017

fmnrjdß 03

Èk isg

2018 fkdjeïn¾

12 olajd&

3"

îNdm;s - 2017

fmnrjdß 03

Èk isg

2018 fkdjeïn¾

12 olajd&

wd¾' tï' mS' r;akdhl

uy;d - iNdm;s ^2019

fmnrjdß 19 olajd&

úOdhl fkdjk

wOHlaI$iajdëk

fkdjk wOHlaI

wod< ke; 1"

îNdm;s

^2018 fkdjeïn¾

26 Èk isg&

wod< ke; wod< ke; îNdm;s

2018 fkdjeïn¾

26 Èk isg&

îNdm;s

2018 fkdjeïn¾

26 Èk isg&

ã' t,a' mS' wd¾'

wfír;ak uy;d

ks, n,fhka m;ajQ wOHlaI

^2018 cQ,s 11 olajd&

úOdhl fkdjk

wOHlaI$iajdëk

fkdjk wOHlaI

4"

îNdm;s

2015 fkdjeïn¾ 30

Èk isg

2018 cQ,s 11 olajd&

4 2"

îNdm;s

2017 fmnrjdß 30

Èk isg 2018

cQ,s 11 olajd&

wod< ke; wod< ke; 2

ta' fla' fifkúr;ak

uy;d -

ks, n,fhka m;ajQ wOHlaI

^2019 fmnrjdß 28 olajd&

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wOHlaI$iajdëk

fkdjk wOHlaI

4 wod< ke; 3 6"

iNdm;s

2015 ^fkdjeïn¾

30 Èk isg&

wod< ke; wod< ke;

wks,a rdclreKd uy;d -

fcHIaG wOHlaI

^2019 foieïn¾ 31 olajd&

úOdhl fkdjk

wOHlaI$iajdëk

fkdjk wOHlaI

7 wod< ke; 1"

îNdm;s 2018

wf.daia;= 07

Èk isg&

6 wod< ke; 1

fIydrd chj¾Ok ñh -

wOHlaI

^2018 fkdjeïn¾ 12 olajd&

úOdhl fkdjk

wOHlaI$iajdëk

fkdjk wOHlaI

3"

îNdm;s

2018 wf.daia;= 07

Èk isg

2018 fkdjeïn¾

12 olajd&

wod< ke; wod< ke; wod< ke; wod< ke; 0

wdpd¾h ã' Ikauq.iqkaorï

uy;d - wOHlaI

úOdhl fkdjk

wOHlaI$iajdëk

fkdjk wOHlaI

3 4 wod< ke; wod< ke; wod< ke; wod< ke;

wð;a m;srK uy;d -

wOHlaI ^2018 cQ,s 19 olajd&

úOdhl fkdjk

wOHlaI$iajdëk

fkdjk wOHlaI

wod< ke; 4 wod< ke; wod< ke; 4 wod< ke;

hQ' Ô' wd¾' wdßhr;ak

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fkdjk wOHlaI$

iajdëk wOHlaI

wod< ke; 3 0 wod< ke; 1 wod< ke;

iqrx. kdjq,a,f.a uy;d

^2019 foieïn¾ 31 olajd&

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wOHlaI$iajdëk

fkdjk wOHlaI

wod< ke; wod< ke; wod< ke; 6 2 wod< ke;

pkaÈu fyaupkaø uy;d

^2018 cQ,s 19 olajd&

úOdhl fkdjk

wOHlaI$iajdëk

fkdjk wOHlaI

wod< ke; wod< ke; 2 wod< ke; 3 2

0 } iyNd.sùu wjYH kuq;a iyNd.s ù fkdue;'

wdh;ksl md,kh



wOHlaI uKav, wkq lñgq j, j;auka ixhq;sh

wOHlaI uKav, ú.Kk lñgqj

mS' w,a.u uy;d - iNdm;s

wks,a rdclreKd uy;d - idudðl

kiaß ksid¾ uy;d - idudðl

wOHlaI uKav, taldnoaO wjodkï l<ukdlrK lñgqj


hQ' Ô' wd¾' wdßhr;ak uy;d - idudðl

wdpd¾h ã' Ikauq.iqkaorï uy;d - idudðl

wOHlaI uKav, udkj iïm;a iy mdßY%ñl lñgqj

chdrdc pkaøfialr uy;d - iNdm;s


wcs;a m;srK uy;d - idudðl

l<ukdlrK lñgq

wOHlaI uKav, wkqlñgq j,g wu;rj nexl=j úiska wOHlaI uKav,h úiska wkqu; lrk ,o lñgq m%×ma;sh u; mokïj l<ukdlrK lñgq

lsysmhla m;a lrkq ,en ;sfí' fhduq lsÍfï wkqfoaY (Terms of Reference) m%ldrj idudkHdêldÍ$m%Odk úOdhl ks<OdÍ ish¿ l<ukdlrK lñgq

j, iNdm;s jYfhka lghq;= lrhs' my; j.=fõ olajd we;s mßÈ l<ukdlrK lñgq úiska nexl=fõ fufyhqï j,g iïnkaO ;SrKd;aul lreKq

ms<sn|j idlÉPd lrkq ,nhs'

l<ukdlrK lñgqj wruqK iy j.lSï ixhq;sh

wdh;ksl l<ukdlrK lñgqj m%;sm;a;s yd Wmdhud¾. ieliSu yd iïnkaO lreKq

wëlaIKh" fufyhqï uÜgfï§ m%;sm;a;s yd Wmdhud¾.

ls%hdjg kexùu

nexl=j ;=, ksfhdacH idudkHdêldÍ ;k;=r yd Bg

by< ;k;=re fydnjk ish¿ ks<OdÍka

j;alï yd j.lSï l<ukdlrK

lñgqj

wdodhï m%Yia; uÜgulg f.k tau i|yd nexl=fõ

fj<|fmd, iy øjYS,;d wjodku mQ¾j ksYaÑ; wjodkï

wNsreÑ uÜgula ;=, mj;ajd .ekSu

idudkHdêldÍ$m%Odk úOdhl ks<OdÍ" fcHIaG

ksfhdacH idudkHdêldÍ" uQ,H yd ie,iqï" m¾fhaIK

yd ixj¾Ok" cd;Hka;r fufyhqï" Kh" NdKavd.dr

iy wjodkï l<ukdlrK wxY j, m%Odk

l<ukdlrK ks<OdÍka

wfhdack lñgqj nexl=fõ wdfhdack m%;sm;a;sh l,ska l,g iudf,dapkh

lsÍu iy nexl=fõ iuia; wjodkï wNsreÑ uÜgu ;=,

isg nexl=fõ wdfhdack ls%hdldrlï wëlaIKh lsÍu'



yd ixj¾Ok" cd;Hka;r" fufyhqï" Kh" NdKavd.dr"

kS;s iy wjodkï l<ukdlrK wxY j, m%Odk

l<ukdlrK ks<OdÍka

Kh lñgqj nexl=fõ Kh m%;sm;a;sh l,ska l,g iudf,dapkh lsÍu"

m%;sm;a;s ls%hdjg kexùu iy wdodhï m%Yia; uÜgulg

f.k tau i|yd nexl=fõ wjodkï wNsreÑ uÜgu ;=, isg

ys;lr Kh l<Ula mj;ajdf.k hdfuys ksr;ùu'



yd ixj¾Ok" cd;Hka;r" fufyhqï" Kh" NdKavd.dr"

kS;s iy wjodkï l<ukdlrK wxY j, m%Odk

l<ukdlrK ks<OdÍka

ld¾hidOk iudf,dapk lñgqj uQ,H ld¾h idOkh" oekg ls%hd;aul ls%hdldrlï j,

m%.;sh" bj;a lrkq ,nk lghq;= iy ld¾hh idOkhg

myiqlï imhk fjk;a ´kEu Wmldrl fiajdjla

iudf,dapkh lsÍu


ksfhdacH idudkHdêldÍ" ish¿u ksfhdacH

idudkHdêldrjreka" ish¿ WmfoaYljreka iy wxY

m%OdkSka" ish¿u iyldr idudkHdêldrjreka" wkql+,;d

ks<OdÍ iy lñgqj úiska m;a lrk ,o fjk;a ´kEu

idudðlfhla'

wOHlaI uKav, kdufhdackd lñgqj

wks,a rdclreKd uy;d - iNdm;s

hQ Ô wd¾ wdßhr;ak uy;d - idudðl

wdpd¾h ã Ikauq.iqkaorï uy;d - idudðl

wOHlaI uKav, Kh lñgqj



wð;a m;srK uy;d - idudðl

wOHlaI uKav, f;dr;=re ;dlaIK Wmdh ud¾. lñgqj


hQ' Ô' wd¾' wdßhr;ak uy;d - idudðl

kiaß ksid¾ uy;d - idudðl

wod< md¾Yjhkaf.a .kqfokq ms<sn| lñgqj



wð;a m;srK uy;d - idudðl

wdh;ksl md,kh



l<ukdlrK lñgqj wruqK iy j.lSï ixhq;sh

YdLd fufyhqï kshduk lñgqj mjrd we;s uQ,H wêldßh ;=, isg YdLd fufyhqï

Yla;su;a lsÍu wëlaIKh lsÍu

idudkHdêldÍ$m%Odk úOdhl ks<OdÍ" fcHIaG ksfhdacH

idudkHdêldÍ" uQ,H yd ie,iqï" m¾fhaIK yd ixj¾Ok"

kS;s iy mßY% wxY j, m%Odk l<ukdlrK ks<OdÍka

fufyhqï wjodkï

l<ukdlrK lñgqj

fufyhqï wjodkï l<ukdlrK l%ufõoh ls%hdjg

kexùu wëlaIKh lrk w;ru" nexl=fõ fufyhqï

wjodku l<udkdlrKh lsÍu iy wod< ls%hdud¾.

.ekSu Tiafia wNHka;r md,khkays wLKavNdjh

mj;ajd .ekSu'


idudkHdêldÍ" m¾fhaIK yd ixj¾Ok" fufyhqï" udkj

iïm;a ixj¾Ok" f;dr;=re ;dlaIK" Wmldrl fiajd"

mßY%" kS;s" wjodkï l<ukdlrK" wkql+,;d iy f;dr;=re

wdrlaIK wxY j, m%Odk l<ukdlrK ks<OdÍka

ksuejqï ixj¾Ok lñgqj by< hk ;rÕldÍ;ajhg uqyqK§u i|yd

kfjda;amdol ksuejqï ixj¾Okh Tiafia È.=ld,Sk

jákdlï ks¾udKh lsÍu


idudkHdêldÍ" m¾fhaIK yd ixj¾Ok" fufyhqï" cd;Hka;r

nexl=" f;dr;=re ;dlaIK" YdLd Kh" wf,ú iy ie,iqï wxY

j, m%Odk l<ukdlrK ks<OdÍka

udkj iïm;a lñgqj nexl=fõ Wmdhud¾.sl wruqKq j,g wkql+,j udkj

iïm;a ixj¾Okh lsÍu'


idudkHdêldÍ" uQ,H yd ie,iqï" udkj iïm;a ixj¾Ok"

Kh iy kS;s wxY j, m%Odk l<ukdlrK ks<OdÍka

wf,ú lñgqj wOHlaI uKav,hg iy wdh;ksl

l<ukdldÍ;ajhg wf,úlrK Wmfoia"

úfYaI×;dj iy iyh ,nd§u iy nexl=fõ ish¿

wf,úlrK lghq;= iudf,dapkh lsÍu iy

ta i|yd u`. fmkaùu


idudkHdêldÍ" uQ,H yd ie,iqï" fufyhqï iy wf,ú wxY

j, m%Odk l<ukdlrK ks<OdÍka

jd¾Isl wdh;ksl md,k jd¾;dj

2007 wxl 12 ork nexl= mk;a kshuh wkqj m%ldYhg m;a l< hq;=

nexl=fõ jd¾Isl wdh;ksl md,k jd¾;dj msgq wxl 157 isg 173

olajd jk w;r YS% ,xld jr,;a .Kldêldrjrekaf.a wdh;kh úiska

y÷kajdfok ,o wdh;ksl md,kh ms<sn| hyNdú; wdpdrO¾u yd

iïnkaO wkql+,;d jd¾;dj msgq wxl 174 isg 178 olajd fõ'

iudf,dapkhg ,la flfrk j¾Ih ;=,§ nexl=j hym;a wdh;k

md,kh wdYs%; ish¿ wod< kS;s" Í;s" fr.=,dis iy wdpdrO¾u iu.

wkql+, ù ;sfí'

wOHlaI uKav,fha ld¾hNdrh iy j.lSu

wOHlaI uKav, m%×ma;sfha we;=<;a lr ;sfnk mßÈ wOHlaI

uKav,fha n,;, iy j.lSï my; i|yka lr we;'

wOHlaI uKav,hg fjkajQ n,;,

wOHlaI uKav, m%×ma;sfha fyda oekg n,d;aul fjk;a ´kEu

kS;shla$fr.=,dishla u`.ska mkjd we;s iSudjkag hg;aj nexl=jg

wod< ´kEu lreKla iïnkaOfhka wjika ;SrK .ekSfï wêldßh

f,i lghq;= lsÍu'

nexl=fõ wkqu; m%iïmdok ix.%yh fyda oekg ls%hd;aul fjk;a

wod< jk kS;s$fr.=,dis j, wka;¾.; úêúOdk j,g hg;aj uQ,H

lghq;= ms<sn| iqÿiq ;SrK .ekSu'

ish¿ uÜgï j,§ jvd jdisodhl jHdmdßl uq,msÍï ls%hdjg kxjk

nj iy;sl lsÍu wruqKq lrf.k nexl=fõ ish¿ ls%hdldrlï md,kh

lsÍu i|yd m%;sm;a;s yd ud¾f.damfoaY ilia lsÍu'

jd¾;d le|ùu" lñgqjla m;a lsÍu fyda wOHlaI uKav,h úiska iqÿiq

hehs ;SrKh lrkq ,nk ´kEu l%ufõohla wkq.ukh lsÍu Tiafia

nexl=fõ ld¾hidOkh" l<ukdlrKh fyda mßmd,khg wod< ´kEu

lreKla ms<sn|j fidhd ne,Su'

wOHlaI uKav,fha j.lSï

wOHlaI uKav,fha kshdukh$ud¾f.damfoaYl;ajh wjYH jk id¾j

uÜgfï ´kEu lreKlg iïnkaOùu'

nexl=fõ iuia; ld¾hhka wdYs%;j úêu;a ksÍlaIKhla iy

wëlaIKhla mj;ajd .ekSu'

´kEu wOHlaI uKav, wkq lñgqjla" ´kEu wOHlaIjrfhla"

idudkHdêldÍ$m%Odk úOdhl ks,OdÍ fyda wOHlaI uKav,h úiska

mjrd we;s n,;, ls%hd;aul lrk fjk;a ´kEu lñgqjla úiska

bÈßm;a lrkq ,nk ks¾foaY u; mokïj iqÿiq ls%hdud¾. .ekSu'

nexl=fõ idudkHdêldÍ$m%Odk úOdhl ks<OdÍ we;=¿ m%Odk

l<ukdlrK ks<OdÍkaf.a ld¾hidOkh ksÍlaIKh iy we.hSu'

idudkHdêldÍ$m%Odk úOdhl ks<OdÍ m;a lsÍu iy wOHlaI uKav,

udkj iïm;a yd fõ;k lñgqj iy wOHlaI uKav, ú.Kk

lñgqfõ fhduq lsÍfï wkqfoaY (Terms of Reference) wkqj m;a lsÍï

iy Wiiaùï ,nd§u'

wdh;ksl md,kh



wjodkï l<ukdlrKfha§ wOHlaI uKav,

ld¾hNdrh

wjodkï l<ukdlrKh nexl=fõ jHdmdßl Wmdhud¾. j, ftkaøSh

wx.hla f,i wOHlaI uKav,h úiska i,lkq ,nhs' wjodkï

l<ukdlrKfha§ ¥ro¾YS wëlaIKh wOHlaI uKav,h ;=, uq,a

neif.k we;s w;r nexl=fõ wjodkï l<ukdlrKh yd wod< ish

j.lSï bgq lsÍfï n,h wOHlaI uKav,h úiska wOHlaI uKav,

taldnoaO wjodkï l<ukdlrK lñgqj fj; mjrkq ,en we;' ta wkqj"

nexl=j úiska Yla;su;a wjodkï l<ukdlrK ld¾hrduqjla" wjodkï

wNsreÑ iSud iy nexl=fõ wjodkï me;slv ksÍlaIKh lsÍu i|yd

jk hdka;%Khla ilia lrk ,§' wOHlaI uKav, taldnoaO wjodkï

l<ukdlrK lñgqj úiska kss;sm;d bÈßm;a lrkq ,nk jd¾;d u;

mokïj wOHlaI uKav,h úiska nexl=fõ wjodkï me;slv ksÍlaIKh

lrkq ,nhs'

iNdm;sjrhdf.a iy m%Odk úOdhl

ks,Odßhdf.a ld¾hNdrh

YS% ,xld uy nexl= kshduk iy wdh;ksl md,k hymßphkag wkqj

iNdm;sjrhdf.a iy m%Odk úOdhl ks<OdÍf.a ld¾hNdrh tlsfklska

fjkaj mj;S' iNdm;sjrhd úOdhl fkdjk iajdëk fkdjk

wOHlaIjrfhla jk w;r" idudkHdêldÍ$m%Odk úOdhl ks<OdÍ m%Odk

l<ukdlrK ks<Odßfhla fõ' tfy;a wOHlaI uKav, idudðlfhla

fkdfõ' wOHlaI uKav, m%{ma;sh u`.ska iNdm;sjrhdf.a iy m%Odk

úOdhl ks<OdÍhdf.a ld¾hNdrh yd j.lSï meyeÈ,sj ú.%y flf¾'

wOHlaI uKav,hg kdhl;ajh ,nd§u" wOHlaI uKav,fha M,odhS

ls%hdldÍ;ajhg myiqlï ie,iSu" l%udkql=, nj mj;ajdf.k hdu iy

nexl=j fukau iuQyh ;=, hym;a wdh;ksl md,kh mj;ajd.ekSu iy

m%j¾Okh lsÍu iNdm;sjrhd fj; mejfrk j.lSï fõ' ish ld¾hhka

bgq lsÍfï§ f;dr;=re u; mokï jQ ;SrK .ekSu i|yd wOHlaI

uKav,h fj; m%udKj;a mßÈ f;dr;=re ,efnk njg iNdm;sjrhd

iy;sl fõ' tfiau" wOHlaI uKav, /iaùï i|yd tys idudðlhkaf.a

M<odhS iyNd.S;ajh iy;sl lsÍu iy m%Odk l<ukdlrK msßia iu`.

újD; ikaksfõokhla mj;ajd .ekSu hk j.lSïo bgq lrhs'

wOHlaI uKav,h úiska ks¾foaY lrkq ,en we;s mßÈ l<ukdlrK

ld¾hhka iy m%Odk jHdmdßl Wmdhud¾.sl ie,eiafï i|yka

Wmdhud¾. ls%hd;aul lsÍu idudkHdêldÍ$m%Odk úOdhl ks<OdÍ

fj; mejÍ ;sfí' È.= ld,Sk fukau flá ld,fha isg uOH ld,h

f;la wod< jk Wmdhud¾.o thg we;=,;a fõ' Wmdhud¾. ls%hdjg

kexùfï§ nexl=fõ ffoksl fufyhqï mj;ajdf.k hdu i|yd

idudkHdêldÍ$m%Odk úOdhl ks<OdÍ l<ukdlrK lKavdhu fj;

kdhl;ajh ,ndfohs' nexl=fõ lghq;= mj;ajdf.k hdfï§ hym;a

wdh;ksl md,kh iy Wiia m%ñ;Ska yeu úgu wod< lr.kakd njo

idudkHdêldÍ$m%Odk úOdhl ks<OdÍ úiska iy;sl lrkq ,nhs'

wOHlaI uKav, f,alïf.a ld¾hNdrh

nexl=j ;=, hym;a wdh;skl md,khla mj;sk nj iy;sl lsÍu i|yd

wOHlaI uKav, mámdá wkq.ukh lrk nj iy ks;sm;d iudf,dapkh

flfrk nj iy;sl lsÍfuys,d jeo.;a ld¾hNdrhla wOHlaI uKav,

f,alï fj; mejÍ ;sfí' wOHlaI uKav, f,alïjrhdf.a ld¾hNdrh

fláfhka my; olajd we;'

ish¿u wOHlaI uKav, iy wOHlaI uKav, wkq lñgq /iaùï j,

jd¾;d mj;ajd.ekSu'

wOHlaI uKav,h úiska kshduk iy jHjia:dms; wkql+,;djh

mj;ajdf.k hk njg iy;sl lsÍu'

wOHlaI uKav,fha M<odhS ls%hdldÍ;ajh iy;sl lsÍu'

wod< kS;s yd fr.=,dis iïnkaOfhka wOHlaI uKav,h fj; jD;a;Sh

Wmfoia ,nd§u iy wdh;ksl md,kh iy fjk;a wdYs%; ld¾hrduq

iu`. wkql+, jk nj iy;sl lsÍu'

wOHlaI uKav,h" wOHlaI uKav, wkq lñgq úiska .kq ,nk ;SrK

iy tajdfha m%;sM, ms<sn|j wOHlaI uKav,h ukd f,i oekqj;a nj

iy;sl lsÍu'

wOHlaI uKav, f,alï hkq m%Odk l<ukdlrK msßig we;=<;a

;k;=rla jk fyhska wOHlaI uKav, f,alï m;alsÍu fyda bj;a lsÍu

i|yd wOHlaI uKav, kdufhdackd lñgqfõ Wmfoia u; iuia;

wOHlaI uKav,hu iïnkaO fõ'

wOHlaIjreka m;a lsÍu iy kej; m;a lsÍu

rdcH nexl=jla f,i cd;sl b;sßlsÍfï nexl=jg wOHlaIjreka m;a

flfrkafka 1971 wxl 30 ork cd;sl b;sßlsÍfï nexl= mk; iy tys

ixfYdaOk m%ldrjh' 2007 wxl 12 ork wdh;ksl md,kh ms<sn| nexl=

mk;a kshdukfha úêúOdk m%ldrj wOHlaIjrfhla f,i fiajh lsÍfï

Wmßu ld, iSudj jir 9 ls'

wOHlaIjre kej; m;a lsÍuo isÿ lrkq ,nkafka 1971 wxl 30 ork

cd;sl b;sßlsÍfï nexl= mk; yd tys ixfYdaOk j,g wkql+,jh'

wOHlaI uKav, idudðlhka ms<sn| úia;r iy 2018 jir ;=,§ wOHlaI

uKav,h wdYs%;j isÿjQ fjkialï msgq wxl 152 ys olajd we;'

wOHlaIjre mqyqKq lsÍu

wod< jHjia:d" pl%f,aL iy fjk;a f,aLK we;=<;a —fnda¾â mela

fid,HqIka˜ (Board Pack Solution) uDÿldx.h Tiafia m;aùu ,eîfï§

nexl=fõ wOHlaI uKav,h fj; mqyqKqj ,nd fokq ,efí' tu jHqy

wdYs%;j hï j¾Okhla fyda fjkila isÿjqjfyd;a wOHlaI uKav,

f,alï úiska ta nj wOHlaI uKav,h fj; oekqï §u$ie,lsÍu isÿ

lrkq ,nhs' wOHlaIjre" kshduk wêldßh fyda fjk;a wêldßhla

úiska ixúOdkh lrkq ,nk mqyqKq$oekqj;a lsÍfï jevigyka i|ydo

iyNd.S fj;s'

wOHlaIjrekaf.a fõ;k iy uÜgu iy fõ;k ilia lsÍu

wOHlaIjrekag ,ndfok fõ;k ;SrKh lrkq ,nkafka wud;Hjrhd

úisks' lsisÿ wOHlaIjrfhl= ish fõ;kh ;SrKh lsÍfuys,d iïnkaO

fkdfõ' jir ;=klg jrla iudf,dapkh flfrk iduqysl .súiqu

u; mokïj wOHlaI uKav, udkj iïm;a yd fõ;k lñgqj úiska

idudkHdêldÍ$m%Odk úOdhl ks<OdÍf.a iy m%Odk l<ukdlrK

msßig wod< fõ;k ms<sn|j wOHlaI uKav,h fj; ks¾foaY bÈßm;a

lrkq ,nhs' nexl=j úiska m%Odk l<ukdlrK msßi i|yd wOHlaI

uKav,h úiska wkqu; lrk ,o jegqma m%;sm;a;shla wkq.ukh lrhs'

wOHlaI uKav, udkj iïm;a yd mdßY%ñl lñgqfõ ks¾foaY u;

mokïj wOHlaI uKav,h úiska" cd;sl b;sßlsÍfï nexl= mkf;a

úêúOdk iy tys ixfYdaOk j,g wkql+,j wjidk wkque;sh ,ndfok"

rdcH nexl= iïnkaOfhka j.lSu mejfrk wud;Hjrhd fj; ks¾foaY

bÈßm;a lrkq ,nhs' wOHlaI uKav, udkj iïm;a yd mdßY%ñl lñgqj

úOdhl fkdjk wOHlaIjreka ;sfofkl=f.ka iukaú; fõ'

wdh;ksl md,kh



2007 wxl 12 ork nexl= mk;a kshdukh iy tys miqld,Sk ixfYdaOk m%ldrj m%ldYhg m;a flfrk jd¾Isl wdh;ksl md,k jd¾;dj

by; kshdukh iu. nexl=j wkql+, jk wdldrh my; oelafõ'

3 (1) wOHCI uKAv,fha j.lSu

3 (1) (i) wOHCI uKav,h my; lreKq ms<sn|j iy;sl fjñka

nexl=fõ iqrlaIs;Ndjh iy ia:djr;ajh Yla;su;a

l< hq;=h'

3 (1) (i) ^w& nexl=fõ Wmdhud¾.sl wruqKq yd wdh;ksl jákdlï

wkqu; lsÍu yd wëlaIKh lsÍu iy fï ms<sn|j

f;dr;=re nexl=fõ ish¿ msßia fj; ikaksfõokh

jk nj iy;sl lsÍu'

wkql+,ù we;'

wOHCI uKav,h úiska nexl=fõ Wmdhud¾.sl wruqKq yd wdh;ksl

jákdlï ;SrKh lrkq ,nhs' fïjd wOHCI uKav,h úiska wkqu; lrk

,o 2018 – 2021 ;=ka wjqreÿ Wmdhud¾.sl ie,iqug wka;¾.; lr we;s

w;r" ta ms<sn|j ish¿ fY%aKsj, fiajlhka oekqj;a

lr we;'

3 (1) (i) ^wd& wju jYfhka bÈß jir ;=k i|yd nexl=fõ iuia;

jHdmdßl Wmdhud¾.h" iuia; wjodkï m%;sm;a;sh iy

l<ukdlrK l%shdmámdá yd ueksh yels b,lal iys;

hdka;%Kla wkqu; lsÍu'

wkql+,ù we;'

wOHCI uKav,h úiska wkqu; lrk ,o ;=ka wjqreÿ ^2018 – 2020& Wmdh ud¾.sl jHdmdßl ie,eiau l%shdjg kxjd ;sfnk w;r tu`.ska

jHdmdßl Wmdhud¾." ud¾f.damfoaY yd ueKsh yels wruqKq wdjrKh

flf¾' Wmdhud¾.sl ie,eiau ^2019 – 2021& wOHCI uKav,h úiska

2018 § wkqu; lrk ,§'

wOHlaI uKav,h úiska nexl=fõ wjodkï l<ukdlrK ld¾hrduqj"

hdka;%K" m%;sm;a;s" wjodkï wNsreÑh iy iuia; wjodkï Wmdhud¾.h

wkqu; lrkq ,en ;sfí'

3 (1) (i) ^we& m%Odk wjodkï yÿkd.ekSu iy ¥ro¾YS f,i

wjodkï l<ukdlrKh lr.ekSu i|yd .e<fmk

moaO;s l%shd;aul jk nj iy;sl lsÍu'

wkql+,ù we;'

nexl=jg uqyqK mEug isÿjk uQ,sl wjodkï y÷kd.ekSu" md,k jHqy

ia:dms; lsÍu iy uQ,sl wjodkï ;lafiarej" ksÍlaIKh yd l<ukdlrKh

i|yd md,k moaO;s ia:dms; lsÍu Tiafia nexl=fõ wjodkï m%;sm;a;sh

ks¾foaY lsÍfï j.lSu wOHlaI uKav,h úiska wOHCI uKav, taldnoaO

wjodkï l<ukdlrK lñgqj fj; mjrkq ,en we;'

my; jd¾;d fï iïnkaOfhka jeäÿr úia;r imhhs'

wjodkï l<ukdlrK jd¾;dj msgq wxl 194 isg 226 olajd'

wOHCI uKav, taldnoaO wjodkï l<ukdlrK lñgq jd¾;dj

msgq wxl 187 isg 189 olajd'

wxYh uQ,O¾uh wkql+,;d uÜgu 2018

wOHlaI uKav, iy wOHlaI uKav,

wkq lñgq we.hSu

2007 wxl 12 ork nexl= mk;a kshduk iy fjk;a wod< jk kS;s yd

fr.=,dis fukau wdh;ksl md,kh ms<sn| hymßphka u`.ska bÈßm;a

flfrk j.lSï we;=<;a wOHlaI uKav, m%{ma;sh iy wOHlaI uKav,

wkq lñgq m%{ma;s j,g wkql+,j wOHlaI uKav,h iy wOHlaI

uKav, wkq lñgq úiska ish j.lSï bgq lrkq ,nk njg iy;slùu

i|yd wOHlaI uKav,h iy wOHlaI uKav, wkq lñgq jd¾Islj

iajhx-we.hSul ksr; fõ' we.hSï ls%hdj,sfha§ iEu wOHlaIjrfhlau

wOHlaI uKav, ld¾hidOk we.hSï m;s%ldjla iïmQ¾K lrk w;r"

tajd wOHlaI uKav, f,alï úiska wOHlaI uKav, kdufhdackd

lñgqj fj; Ndrfokq ,efí'

m%Odk úOdhl ks,OdÍ we.hSu

tlÕjQ ks¾kdhl u; wOHlaI uKav, udkj iïm;a iy mdßY%ñl

lñgqj úiska jd¾Islj m%Odk úOdhl ks<OdÍf.a ld¾hidOkh we.hSu

isÿ lrkq ,nk w;r th wOHlaI uKav,h fj; oekqïfokq ,efí'

wdh;ksl md,kh



3 (1) (i) ^wE& ;ekam;alrejka" Kh .e;shka" Kh ysñhka"

fldgialrejka we;=¿ ish¿ md¾Yjlrejka iu`.

ikaksfõokh lsÍu iïnkaOfhka m%;sm;a;shla

l%shdjg kexùu wkqu; lsÍu'

wkql+,ù we;'

ish¿ md¾Yjlrejka wdjrKh flfrk mßÈ wOHlaI uKav,h

úiska wkqu; lrk ,o ikaksfõok m%;sm;a;shla nexl=j i;=j we;'

3 (1) (i) ^b& nexl=fõ wNHka;r md,k moaO;s yd l<ukdlrK

f;dr;=re moaO;sj, m%udKj;aNdjh yd

úYajdikSh;ajh iudf,dapkh lsÍu'

wkql+,ù we;'

nexl=fõ wNHka;r md,k moaO;s yd l<ukdlrK f;dr;=re moaO;sj,

m%udKj;aNdjh yd úYajdikSh;ajh iïnkaOfhka wOHlaI uKav,

ú.Kk lñgqj wOHlaI uKav,hg iyh fõ' ú.Kk wxYh iy rdcH

ú.Kl úiska fï ms<sn|j iudf,dapkh lrkq ,nk w;r" tu iudf,dapk

fukau Bg wod< l<ukdlrK m%;spdro wOHlaI uKav, ú.Kk lñgqj

úiska iudf,dapkh flf¾'

3 (1) (i) ^B& cd;Hka;r .sKqïlrK m%ñ;sj, ks¾jpkh lr

we;s mßÈ m%Odk l<ukdlrK msßia y÷kd.ekSu yd

;k;=re i|yd m;a lsÍu'

wkql+,ù we;'

kï lrk ,o ish¿u m%Odk l<ukdlrK msßia m;a lsÍu wOHlaI uKav,

kdufhdackd lñgqj úiska ks¾foaY lrkq ,nk wdldrhg isÿ flf¾'

3 (1) (i) ^W& wOHlaIjreka iy m%Odk l<ukdlrK msßia i|yd

wêldÍ lafIa;% iy m%Odk j.lSï ksYaph lsÍu'

wkql+,ù we;'

wOHCI uKav,fha wêldÍ lafIa;%h cd;sl b;sßlsÍfï nexl= mkf;a j.ka;s

wxl 7 hgf;a md,kh fõ' cd;sl b;sßlsÍfï nexl= mk; wkqj iliA lr

we;s wOHlaI uKav, m%{ma;sfhys wOHlaI uKav,fha úIhh lafIa;%h yd

j.lSï iúia;rd;aulj oelafõ' wOHCI uKav, udkj iïm;a yd mdßY%ñl

lñgqj úiska m%Odk l<ukdlrK msßia i|yd wêldÍ lafIa;% yd m%Odk

j.lSï ksYaph lr we;'

3 (1) (i) ^W!& m%Odk l<ukdlrK msßia úiska wOHCI uKav,

m%;sm;a;shg .e<fmk mßÈ nexl= lghq;= fhda.H

f,i wëlaIKh flfrk nj iy;sl lsÍu'

wkql+,ù we;'

wOHlaI uKav, wkq lñgq úiska uQ,H jd¾;dlrKh" wNHka;r md,k"

wjodkï l<ukdlrKh tu lñgqj,g mjrd we;s wfkl=;a wod< lreKq

ms<sn| jd¾;d wOHlaI uKav,hg bÈßm;a lrkq ,nhs' tfiau" ish

wëlaIKh hgf;a mj;sk úIhhka ms<sn|j m%Odk l<ukdlrK ks<OdÍka

úiska ks;sm;d lreKq olajkq ,nk w;r" wOHlaI uKav,h úiska Tjqkaf.a

úIhh m:hg wh;a lreKq meyeÈ,s lsÍu i|yd Tjqka le|jkq ,nhs'

3 (1) (i) ^t& wOHCIjreka yd m%Odk l<ukdlrK msßia f;dard

.ekSu" kdufhdackd lsÍu iy m;alr .ekSu¦ u; .egqï

l<ukdlrKh¦ iy ÿ¾j,;d ks¾Kh lsÍu iy wjYH

wjia:dj,§ fjkialï l%shd;aul lsÍu we;=¿ wOHCI

uKav,fha md,k mßphkaf.a M<odhS;djh l,ska

l,g we.hSu'

wkql+,ù we;'

1995 jif¾ wxl 28 ork mk; u`.ska ixfYdaOkh lrk ,o 1971 wxl 30

ork cd;sl b;sßlsÍfï nexl= mkf;a 30 jk fþofha fldkafoais j,g wkqj

wud;Hjrhd úiska wOHCIjre m;a flf¾' ish md,k mßphka we.hSu i|yd

wOHlaI uKav,fha ld¾h idOkh iajhx we.hSula jd¾Islj isÿ flf¾'

3 (1) (i) ^ta& m%Odk l<ukdlrK msßia i|yd fhda.H wkqm%dma;sl

ie,eiaula nexl=jg ;sfnk nj iy;sl lsÍu'

wkql+,ù we;'

iQodkïNdjh iy;sl lsÍu i|yd wOHlaI uKav,h úiska wkqu;

lrk ,o m%Odk l<ukdlrK ie,eiaula nexl=j ;=, ls%hd;aul jk w;r"

2018 j¾Ifha§ wOHlaI uKav, kdu fhdackd lñgqj úiska iudf,dapkh

lrk ,§'

3 (1) (i) ^T& m%;sm;a;s iudf,dapkh lsÍu" ikaksfõok ud¾. ia:dms;

lsÍu iy wdh;ksl wruqKq lrd <.dùfï m%.;sh

wëlaIKh i|yd wjYH;djh u; m%Odk l<ukdlrK

msßia ksr;=rej yuqùu'

wkql+,ù we;'

l%shdldß;ajh" Wmdh ud¾. iy ;u j.lsï fCIa;%hg wod< fjk;a ´kEu

lreKla wdYs%; m%.;sh m%Odk l<ukdlrK msßia úiska wOHCI uKav,h

yd tys wkq lñgq /iaùï j,§ idlÉPd flf¾' Bg wu;rj" ish wëlaIKh

hgf;a mj;sk m%Odk lreKq ms<sn|j m%Odk l<ukdlrK ks<OdÍka úiska

lreKq bÈßm;a lrkq ,nk w;r" m%;sm;a;s yd wdh;ksl wruqKq yd wod<

fN!;sl lreKq iïnkaOfhka lreKq oelaùu i|yd wOHlaI uKav,h iy

wOHlaI uKav, wkq lñgq úiska Tjqyq le|jkq ,nhs'

3 (1) (i) ^´& kshduk mßirh wjfndaO lr.ekSu iy nexl=j úiska

kshdulhka iu. M,odhS iïnkaO;djhla mj;ajdf.k

hk nj iy;sl lsÍu'

wkql+,ù we;'

m%Odk l<ukdlrK ks<OdÍka úiska kshduk m%jK;d iïnkaOfhka

wOHlaI uKav,h oekqj;a lrkq ,nhs' Bg wu;rj" ksfhdacH idudkHdêldÍ

^ú.Kk&" wkql+,;d ks<OdÍ iy m%Odk wjodkï ks<OdÍ úiska kshduk

m%jK;d ms<sn|j wOHlaI uKav, taldnoaO wjodkï l<ukdlrK lñgq

idudðlhka oekqj;a lrkq ,nhs'


wdh;ksl md,kh



3 (1) (i) ^W& ndysr ú.Kljrekaf.a fiajh ,nd.eksfï§ yd wëlaIKh

lsÍfï§ wjYH iqmßlaIdldÍ núka hq;=j lghq;= lsÍu'

wkql+,ù we;'

cd;sl b;sßlsÍfï nexl=j rdcH nexl=jla jk fyhska YS% ,xld

m%cd;dka;s%l iudcjd§ ckrcfha jHjia:dfõ 154 jk j.ka;sh iy cd;sl

b;sßlsÍfï nexl= mkf;a 37 jk j.ka;sfha we;=<;a úêúOdk m%ldrj

ú.Kldêm;sjrhd nexl=fõ ndysr ú.Kljrhd fõ' tfiau" ú.Kk

l%ufõofha iajdëk;ajh" úIhh uQ,sl;ajh iy M<odhS;djh iudf,dapkh

lsÍu iy ksÍlaIKh lsÍu iy ú.Kldêm;sjrhdg iyhùu i|yd

ú.Kldêm;sjrhd úiska ndysr ú.Kljrfhla m;a lr.kafka kï tfia

m;a lr.kq ,nk tjeks ´kEu ndysr ú.Kljrfhla iïnkaOfhkaa

ú.Kk md,l yryd ú.Kldêm;sjrhdg ks¾foaY bÈßm;a lsÍfï n,h

wOHlaI uKav, kdu fhdackd lñgqj fj; mejÍ ;sfí'

3 (1) (ii) fuu ks¾foaYj, ks¾foaY wxl 3 ^5& m%ldrj iNdm;s yd

m%Odk úOdhl ks,Odß m;a lsÍu iy iNdm;s yd

m%Odk úOdhl ks,Odß i;= ld¾hNdrh yd j.lSï

ks¾jpkh lsÍu yd wkqu; lsÍu wOHCI uKav,h

úiska isÿ lrkq ,nhs'

wkql+,ù we;'

1995 jif¾ wxl 28 ork mk;ska ixfYdaOkh lrk ,o 1971 wxl 30 ork

cd;sl b;sßlsÍfï nexl= mkf;a 11 ^1& j.ka;sh m%ldrj iNdm;sjrhd m;a

lrkq ,nkafka wu;Hjrhd úisks' cd;sl b;sßlsÍfï nexl= mkf;a 26 ^1&

j.ka;sfhka olajk mßÈ wOHCI uKav,h úiska nexl=fõ idudkHdêldÍ

;k;=r iòyd fhda.H yd ksis mqoa.,fhl= m;alrkq ,nk w;r" tu

;eke;a;d nexl=fõ m%Odk úOdhl ks<Odß njg m;afõ' iNdm;sjrhdf.a

iy m%Odk úOdhl ks,Odßf.a ld¾hNdrh yd j.lSï wOHCI uKav,h

úiska ks¾jpkh lsÍu yd wkqu; lsÍu isÿ lr ;sfí' iNdm;sjrhdf.a iy

m%Odk úOdhl ks<OdÍhdf.a ld¾hNdrh iy j.lSï tlsfklska fjkaj

mj;sk w;r msgq wxl 156ys we;=<;a fuu ks¾foaYj, ks¾foaY wxl 3 ^5&

m%ldrj ks¾jpkh lsÍu yd wkqu; lsÍu isÿ lr we;'

3 (1) (iii) wOHCI uKav,h ks;s m;d yuqúh hq;= w;r wdikak

jYfhka uilg jrla j¾Ihla ;=< wju jYfhka wOHlaI

uKav, /iaùï 12 la meje;aúh hq;=h' tfia meje;afjk

wOHCI uKav, /iaùï i|yd iyNd.Sùug iqÿiqlï

we;s wOHlaIjreka nyq;rhlf.a l%shdldÍ iyNd.S;ajh

w;HjYH fõ' /iaùulska f;drj ,sÅ; fhdackd fyda

,shú,s ixirKh lsÍu u`.ska wOHCI uKav, wkque;sh

,nd .ekSfuka yels;dla ÿrg je<lSug lghq;= flf¾'

wkql+,ù we;'

wOHlaIjrekaf.a ils%h iyNd.S;ajfhka iEu uilu wOHlaI uKav,fha

/iaùï úêu;aj meje;afjk w;r meje;ajQ /iaùï ixLHdj iy

wOHlaIjrekaf.a iyNd.S;ajh msgq wxl 152 ys oelafõ' ixirKh lsÍu

Tiafia wOHCI uKav, wkque;sh ,nd .ekSu wju lsÍug nexl=j yels

iEu mshjrlau f.k we;'

3 (1) (iv) wOHCIjrekag nexl=fõ jHdmdr m%j¾Okh yd wjodkï

l<ukdlrKhg wod< lreKq yd fhdackd ks;sm;d

meje;afjk wOHCI uKav, /iaaùïj, kHdh m;%j,g

we;=<;a lsÍfï wjia:dj iy;sl lsÍug mshjr f.k

we;s njg wOHCI uKav,h úiska j. n,d .efkhs'

wkql+,ù we;'

B<Õ jif¾§ meje;aùug kshñ; wOHlaI uKav, yd wOHlaI uKav,

wkq lñgq /iaùï j, ;djld,sl Èk we;=<;a wOHlaI uKav, Èk o¾YKh

mj;sk j¾Ih wjidk ùug udihlg muK fmr ish¿u wOHlaIjrekag

,eîug i,iajkq ,nhs' wOHlaI uKav, f,alïf.a iyfhda.h we;sj

iNdm;sjrhd úiska wOHlaI uKav, kHdh m;%h ilia lrhs' iNdm;sjrhd

iu. idlÉPd lsÍfuka wk;=rej kHdh m;%h yd iïnkaO fhdackd

bÈßm;a lssÍug wOHlaIjrekag wjia:dj ysñfõ'

3 (1) (v) ish¿u wOHCIjreka yg iyNd.sùfï wjia:dj

i,iñka wju jYfhka ks;sm;d meje;afjk wOHCI

uKav, /iaùï i|yd Èk 7 l mQ¾j oekqï§ula ,nd fok

njg wOHCI uKav, ld¾h mámdáh u.ska iy;sl fjhs'

ish¿u wfkl=;a wOHCI uKav, /iaùï i|yd idOdrK

ld,iSudjl oekqï §ula isÿ lrkq ,efí'

wkql+,ù we;'

/iaùu ms<sn| ksfõokh" kHdh m;%h yd idlÉPd lsÍug kshñ; wOHCI

uKav, m;s%ld iu.ska /iaùug Èk i;lg fmr wOHCIjreka fj; fhduq

flfrk w;r wod< lreKq ms<sn|j wjYH lghq;= isÿ lsÍug yd w;HjYH

fhdackd ;sfíkï tajd bÈßm;a lsÍug ld,hla wOHCIjrekag ,nd§u

tu.ska wfmaCId flf¾'

3 (1) (vi) fkdlvjd mQ¾j.dó /iaùï 3 lg iyNd.S fkdjQ fyda

udi 12 l ld, mßÉfÊoh ;=, mj;ajk ,o mq¾j.dó

/iaùï j,ska wju jYfhka /iaùï 2$3 la i|yd iyNd.S ù

fkdue;s wOHlaIjrekaf.a wOHlaI Oqrh wj,x.= jk njg

wOHCI uKav, ld¾h mámdáh u`.ska j. n,d .efkhs'

wkql+,ù we;'

2007 wxl 12 ork nexl= mk;a kshuh m%ldrj wOHlaIjreka wOHlaI

uKav, /iaùï i|yd Tjqkaf.a iyNd.S;ajhg wod<j we.hSu isÿ flf¾'

wOHCIjrekaf.a iyNd.s;ajh msgq wxl 152 ys olajd we;' .; jQ udi 12

;=, mj;ajk ,o /iaùï ixLHdfjka ;=fkka follg iyNd.s fkdjQ fyda

wLKavj /iaùï ;=klg iyNd.s fkdjq lsisÿ wOHCIjrfhla fkdue;'


wdh;ksl md,kh



3 (1) (vii) 1988 wxl 30 ork nexl= mkf;ys 43 jk j.ka;sfha

úêúOdk imqrd,k f,alïjrfhl= wOHCI uKav,h

úiska m;a flfrhs¡

wkql+,ù we;'

1988 wxl 30 ork nexl= mkf;a 43 jk j.ka;sfha úêúOdk m%ldrj cd;sl

b;sßlsÍfï nexl=fõ wOHlaI uKav, f,alïjrhd kS;S×fhls' wOHlaI

uKav,hg wod< f,alïjrfhl= úiska bgq l< hq;= j.lSï iy jHjia:d iy

wfkl=;a fr.=,dis j, ksYaÑ;j i|yka jk ld¾hhka bgq lsÍu wOHlaI

uKav, f,alïjrhdf.a uQ,sl j.lSu fõ'

3 (1) (viii) wOHlaI uKav, ld¾h mámdáh iy wod< ish¿ kS;s yd

fr.=,dis wkq.ukh flfrk nj iy;sl lsÍfï wruqKska

wOHCI uKav, f,alïf.a Wmfoia yd fiajd ,nd .ekSug

ish¿ wOHlaIjrekag wjia:dj i,id ;sìh hq;=h'

wkql+,ù we;'

wOHlaI uKav, l%ufõo wkq.ukh lrk nj iy wod< kS;s yd

fr.=,dis iu. wkql+, nj iy;sl lsÍfï j.lSu ork wOHlaI uKav,

f,alïjrhdf.a Wmfoia yd fiajdj ,nd.ekSug ish¿ wOHlaIjrekag

yelshdj we;'

3 (1) (ix) wOHCI uKav, f,alï úiska wOHlaI uKav, /iaùï

jd¾;d mj;ajdf.k hd hq;= w;r" tlS jd¾;d ´kEu

wOHCIjrfhl=g idOdrK ld, mrdihla ;=, idOdrK

oekqï §ula u; mÍlaId lsÍu i|yd újD;j ;sìh hq;=h'

wkql+,ù we;'

cd;sl b;sßlsÍfï nexl=fõ f,alï$wOHlaI uKav, f,alï úiska wOHlaI

uKav, /iaùï j,g wod< jd¾;d mj;ajdf.k hkq ,nk w;r tajd wOHlaI

uKav,h fj; ,nd§u isÿ lrhs' B<Õ wOHlaI uKav, /iaùfï§ fmr

/iaùug wod< jd¾;dj iudf,dapkh lsÍu iy wkqu; lsÍu isÿfõ' Bg

wu;rj" iqrlaIs; bf,lafg%dksla in|;djla Tiafia miq.sh wOHlaI uKav,

m;s%ld iy jd¾;d mßYS,kh lsÍug wOHlaIjrekag wjia:dj i,id § ;sfí'

3 (1) (x) wOHCI uKav,h ish rdcldß lghq;= bgqlsÍfï§

ie,ls,su;a núka hq;=j yd úplaIKYS,Sj l%shd lrkafkao

hkak /iaùï jd¾;dj,ska oek .; yels jk mßÈ wOHCI

uKav, /iaùï ms<sn|j m%udKj;a mßÈ úia;r iys;

jd¾;d ;nd.; hq;=h'

tfukau wOHCI uKav, /iaùïj, § isÿlrk újrKj,

.eUqr we.hSu msKsi kshduk yd wëlaIK wêldÍkag o

fulS jd¾;d fhduq l< hq;=h' tneúka wOHCI uKav,

jd¾;djkays my; lreKq meyeÈ,sj we;=,;a úh hq;= fyda

wod< úh hq;= fyda fõ'

^w& ish újrKhkayS§ wOHCI uKav,h úiska Ndú;d

lrk ,o o;a; yd f;dr;=rej, idrdxYhla"

^wd& wOHCI uKav, úiska i,ld n,kq ,enq lreKq"

^we& kshñ; wjOdkfhka yd úplaIKYS,S núka hq;=j

wOHCI uKav,h ish j.lSï bgqlr we;aoehs

úoydmdk lreKq úu¾Ykh flfrk idlÉPd iy

úixjd§ fyda tlÕ fkdjk lreKq"

^wE& wOHCI uKav, Wmdh ud¾. iy m%;sm;a;s iy

wod, kS;s yd fr.=,dis flfrys wkql+,;djh

ms<sìUq flfrk idlaIs iy wod< úOdhlhkaf.a

;yjqre lsÍï"

^b& nexl=j ksrdjrKh ù isák wjodkï ms<sn|j

wOHCI uKav,fha we;s oekqj;aNdjh yd wjfndaOh

iy iïu; lrf.k we;s wjodkï l<ukdlrK

mshjr ms<sn| o< úYaf,aIKh"

^B& ;SrK yd wOHCI uKav,fha iïuq;Ska"

wkql+,ù we;'

,nd§ we;s ks¾kdhl wdjrKh flfrk mßÈ /iaùï jd¾;d

mj;ajdf.k ;sfí'


wdh;ksl md,kh




3 (1) (xi) idOdrK b,a,Sula u; iqÿiq jd;djrKhla hgf;a

nexl=fõ úhoñka iajdëk jD;a;suh Wmfoia ,nd .ekSug

wOHCIjrekag wjia:dj i,ik wOHCI uKav,fha

wkque;sh ,o ld¾h mámdáhla l%shd;aul úh hq;=h'

nexl=j fjkqfjka bgq úh hq;= ish rdcldÍ bgq lsÍu

i|yd hï wOHCIjrfhl=g$wOHCIjrekag iydh jkq

msKsi iajdëk jD;a;suh Wmfoia ,nd.ekSug wOHCI

uKav,h tlÕ úh hq;=h'

wkql+,ù we;'

wOHCI uKav, m%×ma;sh Tiafia idOdrK b,a,Sula u; iqÿiq jd;djrKhla

hgf;a nexl=fõ úhoñka iajdëk jD;a;suh Wmfoia ,nd .ekSug

wOHCIjrekag wjia:dj i,id ;sfí'

3 (1) (xii) iïnkaê; md¾Yaj fyda fjk;a wdh;k iu`. lghq;=

lsÍfï§ yd tu wdh;k iu. .súiqïj,g t<öfï §

wdh;kh ms<sn|j we;s j.lSï yd >Ügkhka we;sùfuka

fyda mj;sk njg yefÕk mßÈ lghq;= lsÍfuka je<lSu

i|yd wOHCI uKav,h lghq;= l< hq;=h'

wkql+,ù we;'

m;Aùu ,nd.kakd wjia:dfõ§" jd¾Islj fyda fjkialula isÿjk iEu

wjia:djl§u wOHlaIjre ish wNs,dI ms<sn| m%ldYhla isÿ lr;s' wNs,dI

.efgk wjia:dj,§ wOHlaIjre idlÉPdj,g iyNd.Sùfuka" ;u woyia

m%ldY lsÍfuka fyda isÿùu wkqu; lsÍfuka je<lS isáh hq;= w;r" hï

fyhlska hï wOHlaIjrfhl= úiska Bg mgyeksj lghq;= l<fyd;a tu

wOHlaIjrhd .K mQrKh i|yd fkdie,fla'

3 (1) (xiii) nexl=fõ md,kh yd th hd hq;= ÈYdj wOHlaI uKav,fha

oeä n,dêldÍh hgf;a mj;sk nj iy;sl lsÍug

wOHCI uKav,fha ;SrK i|yd ksYaÑ;j fjka flreKq

lghq;= ms<sno úêu;a Wmf,aLkhla wOHCI uKav,h

i;=úh hq;=h'

wkql+,ù we;'

ish j.lSï bgq lsÍfï§ wOHlaI uKav,hg fjka lr we;s n,;, ms<sn|j

wOHlaI uKav, m%×ma;sfha i|yka fõ' Bg wu;rj" ish j.lSï bgq

lsÍfuys,d myiqlï i,ik l%ufõo iy md,k wOHlaI uKav,h úiska

ls%hd;aul lrkq ,en ;sfí'

3 (1) (xiv) nexl=j nqkaj;aùug wdikak fyda tys j.lSï bgq lsÍug

wfmdfydi;aùug fyda tfia ùug bv we;s njg fyda tys

;ekam;alrejkag yd fjk;a Kh ysñhkag f.úh hq;=

f.ùï w;aysgqùug isÿjk nj fmkS hkafka kï wOHCI

uKav,h úiska ta iïnkaO lsisÿ ;SrKhla$l%shdud¾.hla

.ekSug fmrd;=j ta nj jydu Y%S ,xld uy nexl=fõ nexl=

wëlaIK wxYfha wOHCI fj; oekaúh hq;=h'

wkql+,ù we;'

nexl=j kqnqkaj;a jk w;r" wod< j¾Ih ;=,§ nexl=fõ kqnqkaj;aNdjh

wdYs%;j .eg¿ mek ke.=fKa ke;'

3 (1) (xv) m%d.aOk m%udKj;aNdjfha m%;sY;h iy fjk;a wdrCIdldÍ

mokï u; uQ,H uKav,h úiska kshu lrkq ,en we;s

uÜgï j,§ nexl=j m%d.aOks; nj ;yjqre lr .ekSug

wOHCI uKav,h j.n,d .;hq;=h¡

wkql+,ù we;'

kshduk wjYH;d yd nexl=fõ l,ska ;SrKh lrk ,o wjodkï wNsreÑh

iu. wkql+,;djh iy;sl lsÍu i|yd wOHCI uKav,h úiska m%d.aOk

m%udKd;aulNdjh yd wfkl=;a m%{df.dapr mshjr wëlaIKh flfrkq

,efí' nexl=j wju m%d.aOk wjY;d iu. wkql+, fõ'

3 (1) (xvi) fulS kshuhka ys f;jk kshuh yd nexl=fõ

wkql+,;djh úoyd oelafjk jd¾Isl wdh;ksl md,k

jd¾;djla wOHCI uKav,h úiska nexl=fõ jd¾Isl

jd¾;dfjys m%ldYhg m;a l< hq;=h'

wkql+,ù we;'

fuu jd¾;dj jd¾Isl jd¾;dfõ 148 jk msgqfõ oelafjk wdh;ksl md,k

jd¾;dfõ fldgils'

3 (1) (xvii) tla tla wOHlaIjrfhl= úiska jd¾Islj isÿ l<hq;= iajhx

we.hSfï mámdáhla wOHCI uKav,h úiska wkq.ukh

l< hq;= w;r tjka we.hSï j, jd¾;d mj;ajdf.k hdug

lghq;= l< hq;=h'

wkql+,ù we;'

nexl=j tla tla wOHlaIjrfhl= úiska jd¾Islj isÿ l<hq;= iajhx we.hSfï

mámdáhla wkq.ukh lrk w;r th wOHlaI uKv, f,alïjrhd úiska

mj;ajdf.k hkq ,nhs' Bg wu;rj" YS% ,xld uy nexl= ud¾f.damfoaYhkag

wkqj wOHlaIjrfhla f,i lghq;= lsÍu i|yd —iqÿiq yd fhda.H˜ nj ikd:

flfrk we.hSula iEu wOHlaIjrfhla iïnkaOfhkau isÿ flf¾'

3 (2) wOHCI uKav,fha ixhq;sh

3 (2) (i) wOHCI uKav,hg wh;a wOHCIjreka ixLHdj 7 g jvd

wvq fyda 13 g jvd jeä fkdúh hq;=h'

wkql+,ù we;'

cd;sl b;sßlsÍfï nexl= mkf;a 8 ^1& j.ka;sh m%ldrj wOHCI uKav,h

iNdm;sjrhd we;=¿j wOHCIjreka 7 fofkl=f.ka iukaú; fjhs'

wdh;ksl md,kh




3 (2) (ii) ^w& m%Odk úOdhl ks,OdÍ ;k;=r fydnjk wOHCIjrfhl=

yerekq fldg fjk;a wOHCIjrfhl=f.a uqM fiajd ld,h

jir 9 fkdblauúh hq;=h'

wkql+,ù we;'

wOHlaIjrfhl=f.a fiajd ld,h jir kuhlg iSud lr we;s w;r"

fï jk úg lsis`ÿ wOHlaIjrfhla jir kjhlg jvd nexl=fõ fiajh lr

fkdue;' m;aùu yd ld, iSudj ms<sn| úia;r fuu jd¾Isl jd¾;dfõ msgq

wxl 152 ys oelafõ'

3 (2) (ii) ^wd& 2008 ckjdß ui 01 Èkg jir 09 iïmq¾K lr we;s fyda

2008 foieïn¾ ui 31 Èkg m%:u tjka fiajd ld,hla

iïmQ¾K lrk wOHCIjrfhl= yg 2009 ckjdß ui 01

Èk isg werfUk bÈß jir 3 l Wmßu ld,hla i|yd

fiajh l< yelsh'

wod< fkdfõ'

3 (2) (iii) wOHCI uKav,fha úOdhl wOHCIjreka ixLHdj uqM

wOHlaI wOHCIjrekaf.a ixLHdfjka 1$3 fkdblaujkafka

kï nexl=fõ fiajlfhl= nexl=fõ wOHCIjrfhla f,i

^fuys ñka u;= úOdhl wOHCI f,i ye|skafjk& m;a

lsÍug" f;dard m;a lsÍug fyda kï lsÍug yelsh' tjka

wjia:djl§ úOdhl wOHlaI wOHCIjrekaf.ka tla

wfhl= nexl=fõ m%Odk úOdhl ks,Odßhd úh hq;=h'

wod< fkdfõ'

úOdhl wOHlaIjrfhla m;alsÍfï úêúOdk cd;sl b;sßlsÍfï nexl=

mkf;a we;=<;aj ke;'

3 (2) (iv) wju jYfhka úOdhl fkdjk iajdëk wOHCIjreka

3 fofkl= fyda wOHCI uKav,fha uqM wOHlaIjreka

ixLHdfjka 1$3 la fyda ñka ljr fyda by< w.hg iß,k

wOHCIjreka ixLHdjla wOHCI uKav,fha isáh hq;=h'

cd;sl b;sßlsÍfï nexl= mkf;a 8 ^1& (w) j.ka;sh m%ldr wud;Hjrhd úiska

wOHCIjreka m;a flfrhs' flfiajqj;a" nexl=fõ wOHlaI uKv,h tlA

iajdëk úOdhl wOHlaIjrfhl=f.ka yd iajdëk fkdjk úOdhl fkdjk

wOHCIjre ih fofkl=f.ka iukaú; fõ'

wOHlaIjreka ms<sn| úia;r i|yd lreKdlr jd¾Isl jd¾;dfõ

msgq wxl 233 n,kak'

3 (2) (v) iajdëk wOHCIjrfhl= ksfhdackh lsÍug úl,am

wOHlaIjrfhl= m;a lrkq ,nk wjia:dfõ§ tfia m;a

lrk ,o mqoa.,hdo iajdëk wOHCIjrfhl=g wod< jk

ks¾kdhlhkag wkqj m;a lrk ,o wfhl= úh hq;=h'

wod< fkdfõ'

3 (2) (vi) úOdhl fkdjk wOHCIjreka ms<s.; yels jD;a;suh

miqìula we;s iy$fyda Wmdhud¾." ld¾h idOkh yd

iïm;a wd§ lreKq iïnkaOj iajdëk ;SrKhkag t,eôh

yels w;aoelSï yd iqÿiq l=i,;djhkaf.ka imsß msßila

úh hq;=h'

wkql+,ù we;'

3 (2) (vii) >kmqrKhg wjYH wOHCIjreka ixLHdj imsreKo"

imeñKs úOdhl fkdjk wOHCIjreka ixLHdj imeñKs

uqM wOHlaIjreka ixLHdfjka wvla fkdblaujhs kï

tjka wjia:djl§ kshudldrfhka wOHCI uKav,

/iaùula meje;aúh fkdyelsh'

wkql+,ù we;'

cd;sl b;sßlsÍfï nexl= mk; wkqj wOHCI uKav,fha >kmQ¾Kh 4 ls'

th wOHCIjreka ixLHdfjka wvlg jvd jeä jk w;r" ish¿u fokd

úOdhl fkdjk wOHCIjreka fõ'

3 (2) (viii) nexl=fõ wOHCIjrekaf.a kï fy<sorõ flfrk ish¨

wdh;ksl ikaksfõokhkayS§ iajdëk úOdhl fkdjk

wOHCIjreka úfYAIfhka y÷kajd Èh hq;=h'

wkql+,ù we;'

lreKdlr msgq wxl 152 fj; fhduq jkak'

wdh;ksl md,kh




3 (2) (ix) wOHCI uKav,hg kj wOHlaIjreka m;a lsÍu i|yd

úêu;a" ie,ls,a,g Ndckh jQ yd úksúo Ndjfhka

hq;a ld¾h mámdáhla mej;sh hq;=h' tfukau l%uj;aj

wkqm%dma;slhka m;alsÍu msKsi o mámdáhla ;sìh hq;=h'

wkql+,ù we;'

cd;sl b;sßlsÍfï nexl= mkf;a 8 ^1& ^w& j.ka;sh m%ldrj nexl=fõ

wOHCIjreka m;a lrkq ,nkafka úIhNdr wud;Hjrhd úisks'

3 (2) (x) laIKsl f,i mqrmamdvqjla msrùu msKsi m;a lrkq

,nk ish¿ wOHCIjreka Tjqkaf.a m;aùfuka wk;=rej

mj;ajkq ,nk m<uq uyd iNd /iaùfï§ md¾Yjlrejkaf.a

ckao ùuiSulg Ndckh úh hq;=h'

úIhNdr wud;Hjrhd úiska m;a lsÍï isÿ lrk fyhska wod< fkdfõ'

3 (2) (xi) wOHCIjrfhl= ish ;k;=ßka b,a,d wiajkafka kï fyda

bj;a lrkq ,nkafka kï" wOHCI uKav,h úiska tu

wOHCIjrhdf.a b,a,d wiaùu fyda bj;a lsßu" tjka

b,a,d wiaùulg fyda bj;a lrkq ,eîulg n,mE

fya;= o iu`. ksfõokh lrñka iy ysñlrejkaf.a

wjOdkhg fhduq l< hq;= lreKq fõo$fkdfõo hkak

iy;sl lrñka m%ldYhla ksl=;a l<hq;=h'

wod< fkdfõ'

nexl=fõ mQ¾K fldgia ysñlre jk YS% ,xld rch nexl=j ish úIhh m:hg

wh;a jk úIhNdr wud;Hjrhd u`.ska wOHlaIjre m;a lsÍu fukau bj;a

lsÍuo isÿ lrkq ,nhs'

3 (2) (xii) nexl= wOHlaIjrfhl= fyda fiajlfhl= fjk;a nexl=

wOHlaIjrfhl= f,i m;a lsÍu" f;dard m;a lr .ekSu

fyda kï lsSÍu tlS nexl=j" m<uqj i|yka l< nexl=fõ

mßmd,s; iud.ula fyda wdY%s; iud.ula jkafka kï

muKla issÿ l< hq;=h'

wod< fkdfõ'

2008 wxl 41 ork m%dfoaYSh ixj¾Ok nexl= mkf;a úêúOdk m%ldrj cd;sl

b;sßlsÍfï nexl=fõ fldgia ysñldÍ;ajh ksfhdackh lrñka nexl=fõ

fiajlfhl= jk ksfhdacH idudkHdêldß ûQ,H yd ie,iqï& m%dfoaYSh

ixj¾Ok nexl=fõ wOHlaIjrfhl= f,i m;a lr we;'

3 (3) wOHCIjrekaf.a yelshd yd fhda.H nj we.hSfï ks¾Kdhl

3 (3) (i) ^w& iy ^wd&

wOHCIjrfhl= f,i lghq;= lrk ;eke;af;l=f.a jhi

wjqreÿ 70 fkdblaujd ;sìh hq;=h'

wkql+,ù we;'

jhi wjqreÿ 70 blaujQ wOHlaIjre wOHlaI uKav,fha fkdue;'

3 (3) (ii) hï mqoa.,hl= nexl=fõ mßmd,s; fyda wdY%s; iud.ïo

we;=¿j iud.ï$wdh;k 20 lg jvd jeä ixLHdjl

wOHCI OQr fkdoeßh hq;=h'

wkql+,ù we;'

lsisÿ wOHlaIjrfhla nexl=fõ mßmd,s; fyda wdY%s; iud.ïo we;=¿j

iud.ï$wdh;k 20 lg jvd jeä ixLHdjl wOHCI OQr orkafka ke;'

3 (4) wOHlaI uKav,h u`.ska mjrk ,o l<ukdlrK ld¾hNdrh

3 (4) (i) wOHCIjreka úiska oekg l%shd;aul jk n,;, mejÍfï

l%shdms<sfj; iqmßlaIdldÍj wOHhkh lr meyeÈ,sj

wjfndaO lr .; hq;=h'

wkql+,ù we;'

wOHlaI uKav,h úiska nexl=fõ lghq;= yd j.lSï mejÍfï l%ufõoh

l,ska l,g iudf,dapkh lrkq ,nhs' tfiau" wOHlaI uKav,hg ish

ld¾hhka M<odhSj bgq lr.ekSug WmldÍ jk w;r;=r nexl=fõ wjYH;d

imqrd,Sug tu.ska yelshdj ,efnk nj iy;sl lrhs'3 (4) (ii) iuia;hla f,i wOHCI uKav,h i;= ld¾hNdrh bgq

lsÍfï yelshdj wju lsÍug fyda Bg ie<lsh hq;= ndOdjla

jk uÜgulg wOHCI uKav,h úiska ish lghq;= wOHCI

uKav, lñgqjlg" m%Odk úOdhl ks,Odßhdg fyda m%Odk

l<ukdldÍ;ajhg wod< msßia j,g mejßu fkdl< hq;=h'

3 (4) (iii) nexl=fõ wjYH;dj,g wod< jk f,i n,;, mejÍfï

ld¾h ms<sfj, mj;sk njg iy;sl lsÍu i|yd wOHCI

uKav,h úiska jßkajr th iudf,dapkh lrkq ,nhs'

wdh;ksl md,kh




3 (5) iNdm;s iy m%Odk úOdhl ks,OdÍ

3 (5) (i) iNdm;s iy m%Odk úOdhl ks,OdÍ hk N=ñld

fjku mej;sh hq;= w;r" tlu mqoa.,fhl= úiska bgq

fkdl< hq;=h'

wkql+,ù we;'

iNdm;sjrhdf.a iy m%Odk úOdhl ks,Odßf.a N=ñldj fjku

mqoa.,hska fofofkl= úiska bgq lrkq ,efí¡ iNdm;sjrhdf.a iy

idudkHdêldÍ$m%Odk úOdhl ks<OdÍf.a j.lSï wOHlaI uKav, m%×ma;sh

u`.ska ú.%y lr we;'

3 (5) (ii) iNdm;s" úOdhl fkdjk wOHCIjrfhl= úh hq;= w;r"

iajdëk wOHCIjrfhl= jkafka kï jvd;a iqÿiqh'

iNdm;sjrhd" iajdëk wOHCIjrfhl= fkdjk wjia:dj,§

wOHCI uKav,h úiska iqÿiq mßÈ iSud kS¾Khka

f,aLk.; lsÍfuka wk;=rej iajdëk wOHCIjrfhl=

fcHIaG wOHCIjrfhla f,i m;a l< hq;=h'

fcHIaG wOHCIjrhdf.a ;k;=r nexl=fõ jd¾Isl

jd¾;dfõ wkdjrKh l< hq;= fõ'

wkql+,ù we;'

iNdm;sjrhd úOdhl fkdjk iy iajdëk fkdjk wOHCIjrfhls'

YS% ,xld uy nexl=fõ wkque;shg hg;aj wOHlaI uKav,h úiska fcHIaG

wOHCIjrfhl= m;a lrk ,§' fcHIaG wOHCIjrhd ms<sn| f;dr;=re jd¾Isl

jd¾;dfõ msgq wxl 131 ys oelafõ'

3 (5) (iii) wOHCI uKav,h úiska tys wdh;ksl md,k jd¾;dfjys"

iNdm;sf.a yd m%Odk úOdhl ks,Odßhdf.a wkkH;djho"

mj;sk iïnkaO;dj, iajNdjho fy<sorõ l<hq;=h'

wkql+,ù we;'

wOHCI uKav,fha idudcslhskaf.aa yd m%Odk úOdhl ks,OdÍf.a

wkkH;djh msgq wxl 131 isg 133 olajd msgqj, i|yka lr we;'

iNdm;sjrhd" idudkHdêlÍ$m%Odk úOdhl ks<OdÍ iy wOHlaI uKav,fha

wfkl=;a idudðl idudðldjka w;r" lsisÿ fN!;sl" uQ,H" jHmdßl fyda

mjq,a in|;djhla fkdue;'

3 (5) (iv) iNdm;s úiska wOHCI uKav,hg kdhl;ajh iemhSu"

wOHCI uKav,h úiska tys j.lSï bgq lrk nj yd

ld¾hlaIuj lghq;= lrk nj iy;sl lsÍu yd wOHCI

uKav,h úiska ish¿ m%Odk yd wjYH lreKq ldf,daÑ;j

idlÉPdjg n÷ka lrk njg j.n,d .; hq;=h'

wkql+,ù we;'

iNdm;s;=ud úiska wOHCI uKav,hg kdhl;ajh imhkq ,nk w;r"

wOHCI uKav,h úiska tys j.lSï ld¾hCIuj bgq lrk njg j.n,d

.kshs' wOHCI uKav,h úiska ishü m%Odk lreKq ld,Sk whqßka

idlÉPdjg .efkhs'

3 (5) (v) iEu wOHCI uKav, /iaùula i|ydu kHdh

m;%h ieliSfï yd wkqu; lsÍfï uQ,sl j.lSu

iNdm;sjrhd i;=h'

wkql+,ù we;'

iNdm;sjrhdf.a Wmfoia wkqj wOHCI uKav, f,alï úiska /iaùï kHdh

m;%h ilia lrkq ,nhs'

3 (5) (vi) wOHCI uKav, /iaùï j,§ idlÉPdjg .efkk lreKq

iïnkaOfhka ish¨ wOHCIjreka ksis f,i oekqj;a lr

we;s njg fukau wOHCIjreka fj; l,g fõ,djg

m%udKj;a f;dr;=re iemfhk njgo iNdm;s úiska

j. n,d .; hq;=h'

wkql+,ù we;'

m%udKj;a ld,hlg fmr wOHlaI uKav, /iaùï ixúOdkh flfrk w;r"

idudkHfhka /iaùug i;shlg muK fmr bf,lafg%dksl l%ufõohla

Tiafia wod, wOHlaI uKav, m;s%ld wOHlaIjre fj; ,nd§ug lghq;=

flf¾' wod, m;s%ld iudf,dapkh lsÍu" jeäuk;a f;dr;=re ,nd.ekSu

iy /iaùfuka miq" /iaùfï§ idlÉPd l< lreKq ms<sn|j miq úmrï lsÍu

i|yd wOHlaIjrekag m%udKj;a ld,hla ;sfnk nj tu.ska iy;sl flf¾'

3 (5) (vii) wOHCI uKav,fha lghq;= i|yd mq¾K yd ils%h

odhl;ajhla ,nd§ug ish¿u wOHCIjreka Èßu;a lsÍug

iy nexl=fõ Wmßu hym; msKsi wOHlaI uKav,h

lghq;= lrk njg j.n,d .ekSu i|yd m%uqL;ajh .ekSu

iNdm;s úiska l< hq;=h'

wkql+,ù we;'

iNdm;sf.a N+ñldj iïnkaO we.hSu yd wOHlaI uKav, ld¾hidOkh

iïnkaO iuia; we.hSu wOHlaIjrekaf.a iajhx we.hSfï l%shdj,shg

we;=<;a lr we;'

wdh;ksl md,kh




3 (5) (viii) úfYaIfhka úOdhl fkdjk wOHCIjreka fj;ska

ld¾hlaIu odhl;ajhla ,nd .ekSu Wfoid iNdm;s úiska

myiqlï ie,ish hq;= w;r" úOdhl yd úOdhl fkdjk

wOHCIjreka w;r" iM,odhs iïnkaO;djhla mj;ajd

.ekSug j.n,d .; hq;=h'

wkql+,ù we;'

iuia; wOHCI uKav,hu úOdhl fkdjk wOHlaIjrekaf.ka

iukaú; fõ'

3 (5) (ix) iNdm;sjrhd m%Odk l<ukdldß;ajhg wod< msßia

iïnkaOj fyda lsis`ÿ wdldrhlska wfkl=;a úOdhl

rdcldÍ lghq;= iDcq wëlaIKhg ,lalsÍfuys

fkdfhÈh hq;=h'

wkql+,ù we;'

iNdm;sjrhd úOdhl fkdjk uÜgfuka lghq;= lrk w;r" m%Odk

l<ukdldß;ajhg wod< msßia wëlaIKh lsÍu iòyd úOdhl ld¾hhkays

kshqla; fkdfõ'

3 (5) (x) fldgiaysñlrejka iu`. iM,odhs ikaksfõokhla

mj;ajd .ekSug fhda.H mshjr .kakd njg yd fldgia

ysñlrejkaf.a u;$woyia wOHCI uKav,h fj;

ikaksfõokh flfrk njg iNdm;s j. n,d .; hq;=h'

wkql+,ù we;'

cd;sl b;sßlsÍfï nexl= mkf;a úêúOdk m%ldrj NdKavd.dr f,alï úiska

kï lrkq ,enQ wOHlaIjrfhl= f,i m;a flfrk ;eke;af;l= u`.ska

wOHCI uKav,fha§ fldgia ysñlrejka ksfhdackh flfrhs'

3 (5) (xi) m%Odk úOdhl ks,Odßhd" nexl=fõ tÈfkod isÿflfrk

fufyhqï yd jHdmdr l<ukdlrKfha uqÿka uÜgfï

Ndrldr;ajh ork úOdhl f,i lghq;= lrhs'

wkql+,ù we;'

3 (6) wOHlaI uKav,h úiska m;a l< lñgq

3 (6) (i) 3 ^6& ^µµ&" 3 ^6& ^µµµ& 3 ^6& ^µ¶& iy 3 ^6& ^¹& hk kshuhka

u`.ska olajd we;s mßÈ iEu nexl=jlau wju jYfhka

wOHCI uKav, wkq lñgq 4 la msysgq úh hq;=h' ta iEu wkq

lñgqjlau iDcqju wOHlaI uKav,hg jd¾;d l< hq;=h'

ish¿u wkq lñgq i|yd f,alïjrfhl= m;a l< hq;=fõ'

wkql+,ù we;'

wOHCI uKav, wkq lñgq 06 la msysgqjd we;' wOHlaI uKav, f,alï

lñgq ifhysu f,alï f,i lghq;= lrhs' wOHCI uKav, ú.Kk lñgqj"

wOHCI uKav, taldnoaO wjodkï l<uKdlrK lñgqj" wOHCI uKav,

udkj iïm;a yd mdßY%ñl lñgqj" wOHlaI uKav, kdufhdackd lñgqj"

wOHCI uKav, Kh lñgqj iy wOHCI uKav, f;dr;=re ;dlaIK yd

Wmdh ud¾.sl lñgqj wod< wOHCI uKav, wkq lñgq iNdm;sjreka yryd

iDcqju wOHCI uKav,hg jd¾;d lrhs'

3 (6) (ii) ú.Kk lñgqj iïnkaOfhka my; i|yka kS;s wod< fõ'

3 (6) (ii) ^w& lñgqfõ iNdm;sjrhd .KldêlrKfha iy$fyda

ú.Kkfhys iqÿiqlï yd w;aoelSï iys; iajdëk úOdhl

fkdjk wOHCIjrfhl= úh hq;=h'

wod< fkdfõ'

wOHCI uKav, ú.Kk lñgqfõ iNdm;s" úOdhl fkdjk iy iajdëk

fkdjk wOHCIjrfhls'

ish¿u wOHlaI uKav, idudcslhska cd;sl b;sßlsÍfï nexl= mk; wkqj

m;a lr we;'

3 (6) (ii) ^wd& lñgqfõ ish¿u idudðlhska úOdhl fkdjk

wOHCIjreka úh hq;=h'

wkql+,ù we;'

3 (6) (ii) ^we& my; lreKq iïnkaOfhka lñgqj úiska ks¾foaY bÈßm;a

l< hq;=h'

(i) wod< kS;sj,g wkql+, fjñka ú.Kk fiajd i|yd

ndysr ú.Kljrfhl= m;a lsÍu'cd;s; b;sßlssÍfï nexl= mk;g wkqj ú.Kldêm;s nexl=fõ ndysr

ú.Kljrhd jYfhka lghq;= lrhs' tneúka i|yka lr we;s ishü lreKq

flfrys wjOdkh fhduq lr we;' tneúka wkql+, ù ;sfí'

(ii) Y%s ,xld uy nexl=j úiska jßkajr ú.Kljreka yg

ksl=;a lrk ,o Wmfoia l%shd;aul lsÍu'

(iii) wod, .sKqïlrK m%ñ;s fhdod .ekSu iy

wdh;ksl md,kh



(iv) ú.Kk yjq,alre iu. ne`§u jir 5 fkdblaujhs

kï iy mQ¾j ld,iSudj iïmq¾K l< Èk mgka

jir 3 la bl=;aùug m%:u wod< ú.Kk yjq,alre

yd h,s ú.Kk ne`§ulg we;=¨ fkdjkafka kï

fiajd ld,h" ú.Kk .dia;= yd ú.Kljrhdf.a

b,a,d wiaùu fyda fiajfhka mylsÍu'

jHjia:djg wkqj ú.Kldêm;jrhd nexl=fõ ndysr ú.Kljrhd jYfhka

lghq;= lrk fyhska wod< fkdfõ' ndysr ú.Kljrhd iïnkaOfhka

lñgqjh j.lSula fkdmejf¾'

3 (6) (ii) ^wE& wod< jk m%ñ;s iy hyNdú;hkag wkqj ú.Kk

l%shdj,skaysÈ ndysr ú.Kljrhdf.a iajdëk;ajh"

úIhh uQ,sl;ajh iy ld¾hCIu;djh lñgqj úiska

iudf,dapkhg yd ksÍlaIKhg n÷ka l<hq;=h¡

wkql+,ù we;'

ú.Kldêm;sjrhd ndysr ú.Kljrhd f,i lghq;= lrk neúka

iajdëk;ajh iy úIhh uQ,sl;ajh mj;ajd.ekSu isÿ fjhs' ú.Kk

l%shdj,sfha ld¾hCIu;djh ms<snoj wOHCI uKav, ú.Kk lñgq

/iaõïj,§ rcfha ú.Kk wêldÍ iu. idlÉPd lrkq ,efí'

3 (6) (ii) ^b& ú.Kk fkdjk fiajd ,nd§u i|yd ndysr

ú.Kljrfhl= fhdod .ekSu ms<sn| m%;sm;a;shla lñgqj

úiska ie,iqï lr l%shd;aul l< hq;=h'

ú.Kldêm;sjrhd nexl=fõ ndysr ú.Kljrhd f,i lghq;= lrk neúka

wod< fkdfõ'

flfiajqj;a" wOHlaI uKav, ú.Kk lñgqfõ m%×ma;sh m%ldrj" ;udg

iyhùu i|yd ú.Kldêm;sjrhd ;j;a ndysr ú.Kljrfhl= m;a lrkafka

kï tu.ska ú.Kk fiajd imhk wdh;kfha iajdëk;ajh" úIhh

uQ,sl;ajh iy ld¾hCIu;djh flfrys n,mEula we;s fkdlrhs'

3 (6) (ii) ^B& lñgqj úiska ú.Kkh weröug m%:u lñgqj úiska

ú.Kkfha iajNdjh yd úIhh m:h ms<sn| ndysr

ú.Kljreka iu. idlÉPd lr wjika ks.ukhlg

meñKsh hq;=h'

wod< fkdfõ'

ú.Kkfha úIh m:h yd iSudj ndysr ú.Kljrhd f,i lghq;= lrk

ú.Kldêm;s úiska ks¾Kh lrkq ,nhs'

3 (6) (ii) ^W& nexl=fõ uq,H m%ldYj," jd¾Isl jd¾;dfõ .sKqïj, yd

fy<sorõ lsÍu msKsi ilid we;s ff;%udisl jd¾;djkays

úYajikSh nj yd tajdfhys wka;¾.;h" ie,lsh hq;= uq,H

jd¾;dlrK ;SrK wëlaIKh lrkq msKsi lñgqj úiska

nexl=fõ uQ,H f;dr;=re idudf,dapkhg n÷ka l< hq;=h'

wkql+,ù we;'

ú.Kk lñgqj úiska ld¾;=uh uQ,H m%ldYk iy fy<sorõ lsÍu msKsi

ms<sfh, lr we;s nexl=fõ jd¾Isl jd¾;dj" m%ldYhg m;alsÍug iQodkï

wjia:dfõ§ iudf,dapkhg n÷ka lr we;' wOHCI uKav, ú.Kk lñgqfõ

wjOdkh msKsi wNHka;r ú.Kk wxYh úiska ,ndfok iudf,dapk

jd¾;dfjys .sKqïlrK m%;sm;a;Skays fjkialï" m%Odk ;SrKd;aul

lafIa;%hkays úp,k wdÈh ms<sn| uQ,H m%ldYhkays we;=<;a fõ'

3 (6) (ii) ^W!& wjika yd w;=re ú.Kkj,ska mek k`.sk lreKq"

.eg¿ yd iSud iy ta lreKq we;=¿j ú.Kljrhd úiska

idlÉPd lsÍug wfmalaId lrk lreKla lñgqj úiska

idlÉPd l< hq;=h'

wkql+,ù we;'

wOHlaI uKav, ú.Kk lñgqj úiska wjika yd w;=re ú.Kkj,ska mek

k.sk lreKq" .eg¿ yd iSud idlÉPd lrkq ,nhs' ú.Kldêm;sjrhdf.a

ksfhdacs;fhda lñgq /iaùï i|yd iyNd.S jQy'

3 (6) (ii) ^t& lñgqj úiska ndysr ú.Kljrhdf.a l<uKdlrK ,smsh

yd Bg l<ukdldß;ajfha m%;spdrh iudf,dapkhg ,la

l< hq;=h'

wkql+,ù we;'

uqo,a mkf;a 14 ^2& ^we& iy 13 ^7& ^w& hk j.ka;s hgf;a bÈßm;a lrk ,o

ndysr ú.Kljrhdf.a jd¾;dj iy Bg wod<j l<ukdldÍ;ajfha m%;spdrh

wOHCI uKav, ú.Kk lñgqj úiska iudf,dapkh lrkq ,nhs'


wdh;ksl md,kh




3 (6) (ii) ^T& nexl=fõ wNHka;r ú.Kk ld¾hNdrh iïnkaOfhka

lñgqj úiska my; i|yka mshjr .; hq;=h'

^µ& wNHka;r ú.Kk fomd¾;fïka;=fõ iïm;a"

ld¾h Ndrh yd úIhh m:h wdÈfhys m%udKj;a nj

iudf,dapkh lsÍu iy tys lghq;= lrf.k hdug

wjYH wêldß n,h fomd¾;fïka;=j i;=j mj;sk

njg ;Dma;su;a ùu'

wkql+,ù we;'

wNHka;r ú.Kk wxYh úiska ilia lrk ,o jd¾Isl ú.Kk ie,eiau

wkque;sh i|yd wOHlaI uKav, ú.Kk lñgqj fj; bÈßm;a lr we;'

ie,eiaug wod< úIhh m:h" ld¾hhka iy iïm;a wjYH;d tys we;=<;a fõ'

^µµ& wNHka;r ú.Kk jevigyka iy wNHka;r ú.Kk

l%shdj,sfha m%;sM, iudf,dapkh lsÍu iy wjYH

úfgl wNHka;r ú.Kk fomd¾;fïka;=fõ ks¾foaY

u; fhda.H l%shdud¾. .kq ,nk nj iy;sl lsÍu'

wkql+,ù we;'

wNHka;r ú.Kk lñgqj úiska wNHka;r ú.Kk ie,eiau iy wNHka;r

ú.Kk l%ufõohkays m%;sM, iudf,dapkh lrkq ,nk w;r" jeä ÈhqKq

lsÍï i|yd iqÿiq ls%hdud¾. f.k we;s njg iy;sl fõ'

^µµµ& wNHka;r ú.Kk fomd¾;fïka;=fõ m%Odkshdf.a

yd fcHIaG ld¾huKav, idudðlhskaf.a hï ld¾h

idOk we.hSula iudf,dapkh lsÍu'

wkql+,ù we;'

^µ¶& wNHka;r ú.Kk ld¾hNdrh i|yd m;al<

m%Odkshdf.a" fcHIaG ld¾huKav, idudðlhskaf.a

m;aùula fyda fiajh wjika lsÍula ks¾foaY lsÍu

yd l=,S moku u; fiajh imhk wdh;k m;a

lsÍu$bj;a lsÍu ks¾foaY lsÍu'

wkql+,ù we;'

jir ;=,§ tjeks isÿùula mek ke.=fka ke;'

^¶& wNHka;r ú.Kk wxYfha m%Odk wNHka;r

ú.Kljrhd iy fjk;a iud.ï yryd fiajd

imhkakka o we;=¿j fcHIaG ld¾h uKav,

idudcslhskaf.a b,a,d wiaùï ms<sn|j lñgqj

oekqj;a flfrk njg j. n,d .ekSu iy tf,i

b,a,d wiajQ fcHIaG ld¾h uKav, idudcslhskayg

iy ndysr iud.ï yryd fiajd imhkq ,nk

fiajlhskayg Tjqkaf.a b,a,d wiaùï iïnkaO

fya;= iemhSug wjia:dj iemhSu'

wkql+,ù we;'

jir ;=,§ tjeks isÿùula mek ke.=fka ke;'

^¶µ& wNHka;r ú.Kk ld¾hhka iajdëkj isÿlrkq

,nk njg iy;slùu jia tys lghq;= wmCImd;Sj"

m%ùk;ajhlska yd ksis jD;a;Suh ie,ls,a,lska hq;=j

isÿ lsÍu'

wkql+,ù we;'

nexl=fõ md,k jHqyh wkqj ksfhdacH idudkHdêldÍ ^ú.Kk& wOHlaI

uKv, ú.Kk lñgqj Tiafia wOHlaI uKav,h fj; iDcqj jd¾;d lrk

w;r nexl=fõ fjk;a fufyhqï j,ska iajdëk fõ'

3 (6) (ii) ^´& lñgqj úiska isÿlrk wNHka;r úu¾YKj, uQ,sl

fy<sorõ lsÍï iy Bg l<uKdldß;ajfha m%;spdr

ie,ls,a,g .; hq;=h'

wkql+,ù we;'

lñgqj úiska wNHka;r úu¾YKj,§ isÿ lrk ,o uQ,sl fy<sorõ lsÍï iy

Bg l<ukdldß;ajfha m%;spdr iudf,dapkh lr we;' msgq wxl 179 ys we;s

lñgq jd¾;dj fj; fhduq jkak'

3 (6) (ii) ^t& m%Odk uq,H ks,Odßhd" m%Odk wNHka;r ú.Kljrhd

iy ndysr ú.Kljrekaf.a ksfhdað;fhla idudkHfhka

/iaùï j,g iyNd.S fj;s' úOdhl wOHCIjreka

fkdue;sj lñgqj úiska ndysr ú.Kljreka iu. wju

jYfhka /iaùï 2 la fyda mj;ajd we;'

wkql+,ù we;'

2018 j¾Ifha§ wOHCI uKv, ú.Kk lñgqj úiska /iaùï jdr 7 la

mj;ajd we;s w;r" /iaùï 05 la i|yd ú.Kldêm;s fomd¾;fñka;=fõ

ksfhdað;fhl= iyNd.sù we;' ksfhdacH idudkHdêldÍ ûqo,a& iy ksfhdacH

idudkHdêldÍ ^ú.Kk& idudkHfhka /iaùï i|yd iyNd.S fj;s' ish¿u

wOHCIjreka úOdhl fkdjk wOHCIjreka fõ'

wdh;ksl md,kh




3 (6) (ii) ^ta& lñgqj,g"

^µ& lñgqfõ úIhh lafIa;%hg wh;a ´kEu lreKla

ms<sn|j úu¾Ykh lsÍfï meyeÈ,s n,hla(

^µµ& ta ioyd wjYH iïm;a(

^µµµ& f;dr;=re ,nd.ekSfï mq¾K yelshdj iy(

^µ¶& wjYH úfgl wod< w;aoelSï iys; ndysr

md¾Yajhkag wdrdOkd lsÍfï yd ndysr md¾Yajhka

fj;ska jD;a;Suh Wmfoia ,nd .ekSfï wêldßh

;sìh hq;=h¡

wkql+, ù we;'

wOHCI uKAv, ú.Kk lñgq m%{ma;sh wkqj lñgqjg ´kEu lreKla

úu¾Ykh lsÍug" f;dr;=re ,nd.ekSug" jD;a;Suh Wmfoia ,nd.ekSug" tys

ld¾hhka mj;ajdf.k hdug wjYH iïm;a imqrd .ekSu wdÈh i|yd wjYH

n,;, ,nd § we;'

msgq wxl 179 ys i|yka lñgq jd¾;dj n,kak'

3 (6) (ii) ^fM& idlÉPd l<hq;= lreKq iïnkaOfhka ksis oekqï§ulska

miqj ksr;=rej lñgqj /iaj" tys j.lSï yd rdcldÍ bgq

lssÍu iïnkaO ks.uk jd¾;dlr ;nd .; hq;=h'

wkql+,ù we;'

j¾Ih ;=, lñgqj i;a j;djla /ia ù ;sfnk w;r" .kq ,enQ ;SrK jd¾;d

lr mj;ajdf.k we;' idlÉPd l< hq;= lreKq yd tys ld¾hhka yd j.lSï

bgq lsÍu ms<sn| ks.uk iïnkaOfhka wOHlaI uKav, lñgq idudcslhka

ksis mßÈ oekqj;a lr we;'

3 (6) (ii) ^l& wOHCI uKav,h úiska my; lreKq úia;rd;aulj

fy<sorõ l< hq;=h'

wkql+,ù we;'

lreKdlr n,kak'

^µ& ú.Kk lñgqfõ l%shdldrlï ms<sn| f;dr;=re¦ wOHCI uKav, ú.Kk lñgqfõ úIh m:h msgq wxl 179 ys we;=<;a fõ'

^µµ& j¾Ih ;=< mj;ajk ,o ú.Kk lñgq /iaùï

ixLHdj¦ iy

j¾Ih ;=< mj;ajk ,o /iaùï ixLHdj msgq wxl 179 we;=,;a fõ'

^µµµ& tu /iaùï ioyd tla tla wOHCIjrhdf.a

iyNd.S;ajh ms<sn| úia;r

wOHCIjrekaf.a iyNd.S;ajh ms<sn| f;dr;=re jd¾Isl jd¾;dfõ

msgq wxl 179 ys oelafõ'

3 (6) (ii) ^.& lñgqfõ f,alï" iud.fï f,alï fyda wNHka;r ú.Kk

ld¾hfhys m%Odkshd jk w;r" lñgq /iaùï ms<sn|

úia;rd;aul jd¾;djla ms<sfh, lsÍu yd mj;ajdf.k

hdu l< hq;=h'

wkql+,ù we;'

wOHCI uKav, f,alï lñgqfõ f,alï f,io lghq;= lrk w;r"

úia;rd;aul lñgq jd¾;d mj;ajdf.khdu isÿ flf¾'

3 (6) (ii) ^p& uq,H jd¾;dlrKh" wNHka;r md,kh fyda fjk;a

lghq;=j,§ isÿúh yels úIudpdr iïnkaOfhka

fiajlhskag ish ryiHNdjh /l.ksñka lreKq oelaúh

yels wdldrh ms<sn| lñgqj úiska iudf,dapkh l< hq;=h'

ta wkqj" tjka lreKq iïnkaOfhka iajdëk yd idOdrK

úu¾Yk meje;aùu i|yd iqÿiq mshjr .kakd njg;a" ndysr

ú.Kljreka iu. nexl=j mj;ajk in|;d wëCIKh

i|yd jk m%Odk ksfhdað; wêldßh f,i l%shd lsÍug;a

lñgqj j. n,d .; hq;=h'

wkql+,ù we;'

fuu ish¿ wxY wdjrKh lrk fmr oekqï§fï ^úiaÜ,a íf,daj¾&

l%shdj,shla ia:dms; w;r" iqÿiq miq úmrï ls%hdud¾. .ekSu i|yd jeo.;a

wkdjrK wOHlaI uKav, ú.Kk lñgqj fj; jd¾;d lr we;'

ndysr ú.Kk ks<Odßhd iu. nexl=fõ mj;sk in|;d wëlaIKh lsÍfï

m%Odk ksfhdacs; wdh;kh jYfhka ls%hd lrkafka wOHlaI uKav, ú.Kk

lñgqjhs'

3 (6) (iii) udkj iïm;a yd mdßY%ñl lñgqj iïnkaOfhka my;

kS;s wod< fõ'

3 (6) (iii) ^w& nexl=fõ wOHCIjrekag" iudkHdêldÍ$m%Odk úOdhl

ks,Odß yd m%Odk l<uKdldß;ajhg wod< msßia fj;

wod< mdßY%ñl ms<sn| m%;sm;a;sh ^jegqma" §ukd yd fjk;a

uQ,H f.ùï& ;SrKh lsÍu'

wkql+,ù we;'

wOHlaIjrekaf.a fõ;kh ;SrKh lrkq ,nkafka uqo,a wud;HdxYh úisks'

idudkHdêldÍ$m%Odk úOdhl ks<OdÍ iy m%Odk l<ukdlrK msßia j,

fõ;k iduQysl tlÕ;d .súiqu u; iy nexl=fõ wkque;sh u; wOHCI

uKav, udkj iïm;a iy mdßY%ñl lñgqj úiska ;SrKh lrkq ,nk w;r

wOHCI uKav,h úiska wkqu; lrkq ,nhs'

wdh;ksl md,kh



3 (6) (iii) ^wd& lñgqj úiska wOHlaIjreka" m%Odk úOdhl ks,Odßhd yd

m%Odk l<uKdldÍ;ajhg wod< msßia i|yd wruqKq yd

b,lal ,ndÈh hq;=h'

wkql+,ù we;'

cd;sl b;sßlsÍfï nexl= mk;g wkqj ish¿u wOHlaI uKav,fha ish¿u

wOHlaIjre úOdhl fkdjk wOHlaIjreka jk fyhskao m;a lrkq

,nkafka weu;sjrhd úiska jk fyhskao wOHCIjrekag fuh wod< fkdfõ'

idudkHdêldÍ$m%Odk úOdhl ks<OdÍ iy m%Odk l<ukdlrK msßia

i|ydjQ b,lal yd wruqKq ilia lrkafka Wmdhud¾.sl jHdmdr ie,iqu

mokï lrf.k jk w;r tajd m%Odk ld¾hidOk o¾Yl yd iïnkaO fõ'

3 (6) (iii) ^we& lñgqj úiska" fok ,o b,lal j,g wkqj m%Odk úOdhl

ks<OdÍf.a yd m%Odk l<ukdldß;ajhg wod< msßia j,

ld¾h idOkh l,ska l,g we.hSu isÿ l< hq;= w;r

fõ;k" m%;s,dN yd ld¾h idOkh u; ,ndfok fjk;a

Èß§ukd ixfYdaOkh lsÍfï§ uQ,sl lr.; hq;= moku

;SrKh l< hq;=h'

wkql+,ù we;'

lñgqj úiska" fok ,o b,lal j,g wkqj m%Odk úOdhl ks<OdÍf.a yd

m%Odk l<ukdldß;ajhg wod< msßia j, ld¾hidOkh we.hSug ,la

lrk ,§'

3 (6) (iii) ^wE& m%Odk úOdhl ks<Odß yd iïnkaO lreKq idlÉPd lrkq

,nk /iaùï yereKqúg wfkl=;a iEu lñgq /iaùulgu

m%Odk úOdhl ks,Odßhd iyNd.S úh hq;=h'

wkql+,ù we;'

3 (6) (iv) kdufhdackd lñgqj iïnkaOfhka my; kS;s wod< fõ'

3 (6) (iv) ^w& lñgqj úiska kj wOHlaIjreka" m%Odk úOdhl

ks,Odßfhl= iy m%Odk l<ukdldß;ajhg wod< msßia

f;dard .ekSu$m;a lsÍu i|yd ld¾h mámdáhla l%shd;aul

l<hq;=h'

wod< ke;'

cd;sl b;sßlsÍfï nexl= mk;g wkqj wOHCIjreka m;alrkq ,nkafka

wud;Hjrhd úisks'

11 j.ka;sh – wud;Hjrhd úiska wOHCI uKav,fha tla wOHCIjrfhl=

tys iNdm;s jYfhka m;a l<hq;= fõ'

26 jk j.ka;sh – wOHCI uKav,h úiska iqÿiq yd fhda.H mqoa.,fhl=

nexl=fõ idudkHdêldß f,i m;a l< hq;= w;r" tu ;eke;a;d nexl=fõ

m%Odk úOdhl ks,OdÍo fõ'

m%Odk l<ukdldß;ajhg wod, msßia m;a lsÍu iïnkaOfhka wkql+, ù

;sfí' wOHCI uKav, kdufhdackd lsÍfï lñgqfõ ks¾foaY u; wOHCI

uKav,h úiska m%Odk l<ukdldß;ajhg wod< msßia m;a lrkq ,efí'

3 (6) (iv) ^wd& j;auka wOHlaIjrekaa h<s f;dard m;a lsÍu" lñgqj úiska

i,ld n,d ks¾foaY lsÍu ^fyda fkdlsÍu& isÿ lrkq ,nhs'

wod< fkdfõ'

cd;sl b;sßlsÍfï nexl= mk; m%ldrj wud;Hjrhd úiska wOHCIjreka m;a

flfrhs'

3 (6) (iv) ^we& m%Odk úOdhl ks,OdÍ ;k;=rg iy m%Odk

l<ukdldß;ajhg wod< ;k;=re ioyd f;dard m;a

lsÍfï fyda WiialsÍfï iqÿiqlï i,ld ne,Sfï

ks¾kdhl" lñgqj úiska ilia l< hq;=h'

wkql+,ù we;'

cd;sl b;sßlsÍfï nexl= mk;g wkqj idudkHdêldÍ m;a lrkq ,nkafka

wOHlaI uKav,fha wkque;sh iu. ms<s.;a l%ufõohla u; mokïj fõ'

wOHlaI uKav,h úiska wkqu; lrk ,o Wiiaùï l%uhla nexl=j ;=,

ls%hd;aul lr ;sfnk w;r" m%Odk l<ukdlrK ;k;=re j,g m;a lsÍu

fyda Wiia lsßu i|yd imqrd,sh hq;= wjYH;d tys i|yka lr we;'

3 (6) (iv) ^wE& 3 ^3& kshdukfhys wka;¾.; ks¾kdhl u`.ska ksYaÑ;

f,i olajd we;s mßÈ" wOHCIjreka" m%Odk úOdhl

ks,OdÍka yd m%Odk l<ukdldß;ajhg wod< ;k;=re

fydnjk msßi Bg iqÿiq yd fhda.H njg lñgqj úiska

iy;sl úh hq;=h'

wkql+,ù we;'

wOHCIjreka iy m%Odk úOdhl ks<OdÍf.a w;aika iys; Èjqreï m%ldY

iy iy;sl lsÍfï m%ldY wOHCI uKav,fha f,alï úiska Ndr.kS' m%Odk

l<ukdldß;ajhg wod< msßiaj, fuu m%ldY" udkj iïm;a wxYh úiska

Ndr.kakd w;r fhda.H;dj we.hSu msKsi Y%S ,xld uy nexl=j fj;

fhduq flfrhs'


wdh;ksl md,kh




3 (6) (iv) ^b& úY%du hdug kshñ; wOHCIjreka$m%Odk

l<uKdldß;ajhg wod< msßia i|yd wkqm%dma;sl jev

ms<sfj,la iy kj úfYaI{;djh$w;sf¾l wjYH;d

ms<sn|j i,ld n,d lñgqj úiska jßkajr ks¾foaY bÈßm;a

l<hq;=h'

wkql+,ù we;'

iNdm;s" wOHCIjreka yd m%Odk úOdhl ks<Odßhdf.a m;aùï iïnkaOfhka

cd;sl b;sßlsÍfï nexl= mkf;a úêúOdk i,id we;' wOHlaI uKav,

kdu fhdackd lñgqfõ ks¾foaYh u; wOHCI uKav,h úiska m%Odk

l<ukdldß;ajhg wod< msßia m;a lrkq ,nhs'

3 (6) (iv) ^B& iajdëk wOHCIjrfhl= lñgqfõ iNdm;s OQrh oeßh hq;=h'

wdrdOkh msg m%Odk úOdhl ks<OdÍ yg /iaùï j,g

iyNd.s úh yelsh'

wod< fkdfõ'

lñgqfõ iNdm;s;ajh orkafka fcHIaG wOHCIjrhd úisks'

3 (6) (v) taldnoaO wjodkï l<ukdlrK lñgqj(

3 (6) (v) ^w& mq¿,a wjodkï m%fNao wëlaIKh lrkq ,nk m%Odk

l<uKdldÍ;ajhg wod< msßia" m%Odk úOdhl ks,OdÍ

iy wju jYfhka úOdhl fkdjk wOHlaIjreka

;sfofkl=f.ka lñgqj iukaú; úh hq;=h'

wkql+,ù we;'

úOdhl fkdjk wOHlaIjreka ;sfofkla" idudkHdêldÍ$m%Odk úOdhl

ks,OdÍ iy mq¿,a wjodkï m%fNao wëlaIKh lrkq ,nk m%Odk wjodkï

ks<OdÍ lñgqjg we;=<;a fõ'

3 (6) (v) ^wd& lñgqj úiska nexl=j uqyqk fok ish¿u wjodkï" tkï"

Kh" fj<|fmd< øjYS,;dj" fufyhqï iy Wmdh

ud¾.sl wjodku iqÿiq wjodkï o¾Yl yd l<ukdldß;aj

f;dr;=re u; mokïj udislj we.hsh hq;=h' mßmd,s;

iud.ï yd wdYs%; iud.ïj, wjodkï l<ukdlrKh"

nexl= moku yd iuQy moku hk fohdldrfhkau isÿ l<

hq;=h'

wkql+,ù we;'

wOHCI uKav,h úiska wOHCI uKav, taldnoaO wjodkï l<ukdlrK

lñgqfõ ks¾foaYh u; Kh wjodkï l<ukdlrKh" fj<|fmd, yd

øjYS,;d wjodkï l<ukdlrKh iy fufyhqï wjodkï l<ukdlrKh

yd iïnkaO m%;sm;a;s wkqu; lrkq ,en ;sfí' wjodkï l<ukdlrK

wxYh úiska wkqu; wjodkï reÑ iSud u; mokïj ff;%udislj fukau

udislj o wOHCI uKav,h fj; wjodkï jd¾;d bÈßm;a lrkq ,nhs'

3 (6) (v) ^we& lñgqj úiska" Kh lñgqj" j;alï j.lSï lñgqj

wd§ ish¿u l<ukdlrK uÜgïj, lñgqj, ksYaÑ;

.=Kd;aul yd m%udKd;aul wjodkï iSud iudf,dapkh

flfrk w;r jßkajr wjodkï o¾Yl ms<sn| jd¾;d

lrkq ,nhs'

wkql+,ù we;'

3 (6) (v) ^wE& ksYaÑ; wjodkï j,ska we;sjk m%;sM, wju lsÍu i|yd

lñgqj úiska ksjerÈ l%shdud¾. .kq ,nhs'

wkql+,ù we;'

lñgqfõ ks¾foaY u; wOHlaI uKav,h úiska ;SrKh lrk ,o ¥ro¾YS

uÜgï blaujk wdldrfha wjodkï mek k.sk wjia:dj,§ kshduk yd

m%;sm;a;s uÜgfï wjYH;d u; mokïj tjeks wjodkï wju lsÍu i|yd

lñgqj úiska laIKsl ksjerÈ lsÍfï ls%hdud¾. .kq ,nhs'

3 (6) (v) ^b& hdj;ald,Sk l< jHdmdßl wLKav;d ie,iqïo we;=¿j

wjodkï l<ukdlrKfha ish¿ wxY we.hSu i|yd lñgqj

wju jYfhka ff;%udislj /iaúh hq;=h'

wkql+,ù we;'

wod< j¾Ih ;=, lñgqj /iaùï ihla mj;ajd ;sfí' /iaùï ms<sn| úia;r

yd meñKSu msgq wxl 187 ys olajd we;'

3 (6) (v) ^B& lñgqj úiska ks¾foaY lr we;s mßÈ iy$fyda nexl=

wëlaIK wxYfha wOHCI úiska kshu lr we;s mßÈ

ksYaÑ; wjodkï y÷kd.ekSug yd ta iïnkaOfhka ksis

ksjerÈ lsÍfï l%shdud¾. .ekSug wfmdfydi;a jk

ks,OdÍkag tfrysj lñgqj úiska fhda.H l%shdud¾.

.; hq;=h'

wkql+,ù we;'

jir ;=, tjka wjYH;djhla mek fkdke.=Ks'

3 (6) (v) ^W& lñgqj úiska iEu /iaùulau mj;ajd i;shla we;=<;

wOHCI uKav,fha woyia" tlÕ;djh iy$fyda Wmfoia

ioyd wjodkï we.hSï jd¾;djla wOHCI uKav,h fj;

bÈßm;a lrkq we;'

wkql+,ù we;'

lñgqfõ ks¾foaY iy wjodkï l<ukdlrK jd¾;d iu. /iaùug wod<

iúia;rd;aul jd¾;dj /iaùfuka miqj meje;afjk m<uq wOHlaI uKav,

/iaùu fj; bÈßm;a flf¾'

wdh;ksl md,kh




3 (6) (v) ^W!& nexl=fõ ish¿ jHdmdßl lafIa;% wdYs%;j kS;s" fr.=,dis"

kshduk Wmfoia" wNHka;r md,k iy wkqu; m%;sm;a;s

iïnkaOfhka nexl=fõ wkql+,;dj we.hSu msKsi lñgqj

úiska wkql+,;d l%shdj,shla ia:dms; l< hq;=h' m%Odk

l<ukdldÍ;ajhg wod< msßia w;=frka f;dard.kakd ,o

lemùfuka hq;= wkql+,;d ks,Odßfhl= úiska wkql+,;d

l%shdj,sh l%shdjg kexúh hq;= w;r" ta ms<sn|j jßkajr

lñgqjg jd¾;d l< hq;=h'

wkql+,ù we;'

nexl=fõ ish¿ jHdmdßl lafIa;% wdYs%;j kS;s" fr.=,dis" kshduk Wmfoia"

wNHka;r md,k iy wkqu; m%;sm;a;s iïnkaOfhka nexl=fõ wkql+,;dj

we.hSu msKsi wkql+,;d ls%hdj,sh ia:dms; lr ;sfí' fuu ld¾hh ms<sn|j

m%Odk;ajh orkq ,nkafka wkql+,;d ks<Odßhd úisks' wkql+,;d ks<Odßhd

úiska l,ska l,g wOHCI uKav, taldnoaO wjodkï l<ukdlrK

lñgqj$wOHCI uKav, ú.Kk lñgqj$wOHlaI uKav,h fj; jd¾;d

bÈßm;a lrkq ,nhs'

3 (7) iïnkaê; md¾Yjj, .kqfokq

3 (7) (i) lsishï mqoa.,fhl= yd nexl=j w;r lsishï .kqfokqjla

iïnkaOfhka mek ke.sh yels ´kEu wdldrfha wksis

>Ügkhla je<elaùug wjYH mshjr wOHCI ^wd&

µ uKav,h úiska .; hq;=h'

wkql+,ù we;'

wOHlaI uKav,h úiska ish wNs,dI .eàu j<lajd,Su wruqKq lrf.k

iïnkaê; md¾Yjhkag jvd jdisodhl f,i ie,lSu i|yd iïnkaê;

md¾Yj" Tjqkaf.a .kqfokq iy ta wdYs%; iSud wdjrKh flfrk wOHlaI

uKav,h úiska wkqu; lrk ,o iïnkaê; md¾Yj j, .kqfokq ms<sn|

m%;sm;a;shla nexl=j ;=, ls%hd;aul fõ'

Tjqkag wdod< iïnkaê; md¾Yj j, .kqfokq ;ks ;ksj m%ldY lrk f,i

wOHlaIjreka fj; b,a,Sï bÈßm;a lr ;sfí' iajhxlS%h moaO;shla Tiafia

fuu .kqfokq ksÍlaIKh flf¾'

3 (7) (ii) wod< md¾Yj iu. isÿ lrk .kqfokq j, iajNdjh fï

ks¾foaYh ;=,ska wdjrKh úh hq;=h'

iïnkaê; md¾Yj fy<sorõ lsÍï hgf;a fï ms<sn| f;dr;=re igyka

wxl 47 ys olajd we;'

3 (7) (iii) by; 3 ^7& î& kshufhys ksYaÑ;j olajd we;s mßÈ ta yd

iudk jHdmdßl lghq;= isÿ lrkq ,nk nexl=fõ fjk;a

md¾Yajhkag ,nd fok ie,lSug jvd jeä ie,lSula

tjka md¾Yj fj; msßkefuk wdldrfhka wdY%s; md¾Yj

iu. .kqfokqj, kshe,Sfuka j<lsk njg wOHlaI

uKav,h j.n,d .; hq;=h'

wkql+,ù we;'

tjeks .kqfokq y÷kd.ekSug lghq;= lrk njg wOHCIjrekaf.ka

jd¾Islj m%ldY ,nd .efka' ta yd iudk jHdmdßl lghq;= isÿ lrkq ,nk

nexl=fõ fjk;a md¾Yjhkag jvd jeä ie,lSula ,ndfok .kqfokq .%yKh

lr .ekSu i|yd l%ufõohla ilia lr we;s w;r" wOHCI uKav,h fj;

l,ska l,g ta ms<sn|j jd¾;d lrkq ,nhs'

idudkH jHdmdßl ms<sfj,g wkqj wod< md¾Yj iu`. lrk ,o .kqfokq

^wef;d;a& ta ms<sno msgq wxl 337 ys we;=,;a uQ,H m%ldYkfha iïnkaê;

md¾Yajhkaf.a fy<sorõ lsßï uefhka igyka wxl 47 u`.ska olajd we;'

3 (7) (iv) wOHCI uKav, /iaùul§ wod< wOHCIjrhd yer

wfkl=;a wOHCIjrekaf.ka ;=fkka follg fkdwvq

msßilf.a Pkaofhka wkque;sh ,eî we;s úg yer nexl=jla

tys wOHCIjrfhl=g fyda tjeks wOHCIjrfhl=f.a ióm

×d;sfhl=g lsis`ÿ wdldrhl m%odkhla ,nd§ug lghq;=

fkdl< hq;=h'

wkql+,ù we;'

tjeks isÿùï jd¾;dù fkdue;'

3 (7) (v) (a) ^w& nexl=jla u`.ska" hï mqoa.,fhl=g fyda mqoa.,fhl=f.a

ióm {d;sfhl=g fyda mqoa.,fhl=f.a ie,lsh hq;=

Wkkaÿjla we;s wruqKla fjkqfjka lsishï m%odkhla

,nd§ we;s úgl" miq ld,Skj tlS mqoa.,hd nexl=fõ

wOHCIjrfhl= f,i m;a jqjfyd;a tu mqoa.,hd

wOHCIjrfhl= f,i m;aùfuka jirla we;=<; ta ioyd

uq,H uKav,fha wkque;sh ,o yels jk mßÈ iqÿiq

wemlrhla ,nd .ekSug nexl=j lghq;= l< hq;=h'

wkql+,ù we;'


wdh;ksl md,kh




3 (7) (vi) nexl=fõ ld¾huKav,hg wod< jk fhdackd l%uhla

yereKq fldg fjk;a lsisÿ wdldrhl m%odkhla fyda

—jvd jdisodhl ie,lSula˜ ,nd§ug nexl=jla lghq;=

fkdl< hq;=h'

wkql+,ù we;'

tjeks isÿùï jd¾;d ù fkdue;'

3 (7) (vii) by; 3 ^7& ^¶& iy 3 ^7& ^¹¸& hk kshuka hgf;a nexl=jla

úiska ,ndfok ,o m%odkhla fyda tjeks m%odkhl lsisÿ

fldgila fyda Bg wod< jk lsisÿ fmd<shla fyda uqo,a

uKav,fha mQ¾j wkque;sfhka f;drj fm%aIKh fkdl<

hq;= w;r tjeks wkque;shlska f;drj isÿ lrkq ,nk

´kEu fm%aIKhla n, rys; yd M, rys; fõ'

wkql+,ù we;'


3 (8) fy<sorõ lsÍï

3 (8) (i) wOHCI uKav,h úiska my; lreKq iïnkaOfhka

iy;sl úh hq;=h'

3 (8) (i) (a) wëlaIK yd kshduk wêldÍka úiska ks¾foaY lrkq ,nk

wdlD;s j,g wkql+, jk f,i iy .sKqïlrK m%ñ;Skag

wod< jk mßÈ jd¾Isl ú.Ks; uq,H m%ldY iy ff;%udisl

uq,H m%ldY ms<sfh, lr m%ldYhg m;a lsÍu iy

wkql+,ù we;'

3 (8) (i) (b) tjka m%ldY ixlaIsma;j isxy," fou< yd bx.%sis

udOHfhka mqj;am;ays m< lsÍu'

wkql+,ù we;'

3 (8) (ii) my; i|yka wju fy<sorõ lsÍï jd¾Isl jd¾;dfjys

isÿlr we;s njg iy;sl lr .ekSug wOHCI uKav,h

j.n,d .; hq;=h'

3 (8) (ii) ^w& ksYaÑ; fy<sorõ lsÍï we;=¿j" wod< .sKqïlrK

m%ñ;s yd kshduk Wmfoia j,g wkqj ú.Ks; jd¾Isl

uq,H m%ldY ms<sfh, lr we;s njg i|yka flfrk

m%ldYhla'

wkql+,ù we;'

uQ,H jd¾;dlrKh i|yd wOHCI uKav, j.lSï ms<sn| jd¾Isl jd¾;dfõ

msgq wxl 229 isg 235 fj; fhduqjkak'

3 (8) (ii) ^wd& uq,H jd¾;dlrKfhys úYajdikSh nj iïnkaOfhka

idOdrK iy;slhla iemhSu wruqKq lr.ksñka uq,H

jd¾;dlrK moaO;sh ie,iqï lr we;s njg iy ndysr

wruqKq i|yd uQ,H m%ldY ilia lsÍu wod< .sKqïlrK

m%;sm;a;s yd kshduk Wmfoia j,g wkql+,j isÿ flfrk

nj ;yjqre lsÍu i|yd jk nexl=fõ wNHka;r md,k

hdka;%Kh ms<sn|j wOHCI uKav, jd¾;djla'

wkql+,ù we;

msgq wxl 238 isg 239 ys oelafjk uQ,H m%ldYk i|yd wNHka;r md,kh

ms<sn| wOHCIjrekaf.a m%ldYhg fhduqjkak'

3 (8) (ii) ^we& by; 3 ^8& ^µµ& ^wd& kshufhys ioyka wNHka;r md,k

hdka;%Kfhys ld¾hlaIu;dj ms<sn| 2008 foieïn¾ 31

Èkg miqj ms<sfh, lr m%ldYhg m;a l< ndysr ú.Kk

jd¾;dfjys i|yka wNHka;r md,k hdka;%Kfhys

M<odhS;djh ms<sn| wOHCI uKav,h ,nd.;a njg

iy;slhla'

wkql+,ù we;'

msgq wxl 240ys we;s wNHka;r md,kh ms<sn| iajdëk ;yjqre

jd¾;djg fhduqjkak'

wdh;ksl md,kh




3 (8) (ii) ^wE& wOHlaIjreka ms<sno f;dr;=re( wkql+,ù we;'

^µ& kï" ksis fhda.H;djh iy foam, msgq wxl 152 ys wOHlaIjreka ms<sn| miqìï f;dr;=re olajd we;'

^µµ& nexl=j iu. we;s .kqfokq iy¦ msgq wxl 340 ys we;s uQ,H m%ldYkhkays wxl 47(wE) igykg fhduqjkak'

^µµµ& nexl=j úiska f.jk ,o uqM .dia;=$mdßY%ñl msgq wxl 340 ys we;s uQ,H m%ldYkhkays wxl 47(wE) igykg fhduqjkak'

3 (8) (ii) ^b& 3 ^7& ^µµµ& ys kshu lr we;s mßÈ" iïnkaê; md¾Yjhkaf.a

tla tla fldgilg ,nd§ we;s iuia; Y=oaO m%odk' wod<

md¾Yjj, tla tla fldgilg m%odkh lr we;s iuia;

Y=oaO m%odk nexl=fõ kshduk m%d.aOkfhys m%;sY;hla

f,i fy<sorõ l< hq;=h'

wkql+,ù we;'

mssgq wxl 340 ys oelafjk uQ,H m%ldY hgf;a wxl 47(b) igyk u`.ska wod<

úia;r olajd we;'

3 (8) (ii) ^B& nexl=j úiska tys m%Odk l<ukdldß;ajhg wod< msßia

fj; f.jk ,o fõ;k j, iuqÉÑ; w.h iy fõ;k

wd§ mq`M,a j¾.SlrK hgf;a olajd we;s nexl=j yd tys

m%Odk l<ukdldß;ajhg wod< msßia w;r isÿ flreKq

.kqfokqj, iuqÉÑ; w.h'

wkql+,ù we;'

mssgq wxl 340 ys oelafjk uQ,H m%ldY hgf;a wxl 47(wE) igyk u`.ska wod<

úia;r olajd we;'

3 (8) (ii) ^W& wdh;ksl md,k jd¾;dfõ fuu kshduk iu`. wkql+,

ùu iïnkaOfhka ndysr ú.Kljrhdf.a jd¾;dj

uKav,h ,nd.;a njg iy;slh

wkql+,ù we;'

ndysr ú.Kljrhdf.a iy;slh ,nd f.k ;sfnk w;r"

th msgq wxl 173 ys olajd we;'

3 (8) (ii) ^W!& ¥ro¾YS Wmfoia" fr.=,dis" kS;s" wNHka;r md,k iy

lsishï ie<lsh hq;= wkql+, fkdùfï wjia:djla ksje/È

lsÍug .kakd ,o l%shdud¾. hkdÈh we;=<;a jd¾;djla

wkql+,ù we;'

lreKdlr msgq wxl 236 isg 237 ys ioyka uQ,H jd¾;dlrKh ms<sn|

wOHCIjrekaf.a j.lSu ms<sn| m%ldYhg fhduq jkak'

3 (8) (ii) (i) nexl=fõ wjodkï l<ukdlrKfha wvqÿq~qlï ms<sn|

kshduk yd wëlaIK lreKq fyda nexl= wëlaIK

wxYfhys wOHCI úiska fmkajd fok ,o" fulS

kshduhkAg wkql+, fkdjk wjia:d iy tfia uQ,H

uKav,h úiska uyck;djg fy<sorõ l< hq;= hehs kshu

lrk ,o tjeks lreKq fukau tu lreKq iïnkaOfhka

nexl=j úiska .kq ,enq mshjr we;=<;a m%ldYhla

wod< fkdfõ'

wod< j¾Ih ;=<§ uQ,H uKav,h úiska uyck;dj fj; lsisÿ fy<sorõjla

l< hq;= njg Wmfoia § fkdue;'

3 (9) ixl%dka;sl yd fjk;a fmdÿ m%;smdok wkql+,ù we;'

nexl=j úiska wod< ixl%dka;sl m%;smdok iu. wkql+, ù we;'

2007 wxl 12 ork wdh;ksl md,k ksfhda.h yd wkql=,ùfï wjYH;dj

Y%s ,xld uy nexl=j úiska ksl=;a lrk ,o wdh;ksl md,kh ms<sn| 2007 wxl 12 ork ksfhda.h yd wkql+,ùfï wjYH;dj imqrkq jia" Y%s ,xld

jr,;a .KldêldÍkaf.a wdh;kh u`.ska ksl=;a l< l%shd mámdáka ys kshq;=ùï j,g fhdod.; yels iïnkaê; fiajdjka ms<sn| Y%S ,xld m%ñ;s

4"400 ys oelafjk m%;sm;a;s wkqj ú.Kldêm;s úiska ld¾hmámdàka l%shd;aul lr we;' 2019 uehs ui 13 fjks Èke;s Tyqf.a jd¾;dj u`.ska olajk

,o lreKq yd by; fy<sorõ lrk ,o lreKq w;r" ie<lsh hq;= fjkialï fkdjQ w;r" wOHlaI uKav,h úiska by; jd¾;d lrk ,o lreKq yd

ie,lsh hq;= mriamr;djka y÷kd fkd.eksK¡

tï' ta' mS'uqykaÈrï chrdc pkaøfialr

wOHlaI uKav,fha f,alï iNdm;s

2019 uehs ui 13 jk Èk

fld<U

wdh;ksl md,kh



fla;

wxlh

uQ,O¾u wkql+,;d

uÜgu

A wOHlaIjre

A.1 wOHlaI uKav,h

1971 wxl 30 ork cd;sl b;sßlsÍfï nexl= mk; yd tys ixfYdaOkj, i|yka lr we;s wdldrhg cd;sl b;sßlsÍfï nexl=fõ

wOHlaI uKav,h iNdm;s we;=¿ úOdhl fkdjk wOHlaIjre i;afofkl=f.ka iukaú; fõ' cd;sl b;sßlsÍfï nexl= mk;

wkqj wud;Hjrhd úiska wOHlaIjre miafofkla m;a lrkq ,nk w;r" ks, n,fhka m;ajQ wOHlaIjre fofokd¦ tla wfhla

uqo,a wud;HxY f,alï fyda Tyqf.a wkq.dñlfhla iy wfkla wOHlaIjrhd ;eme,am;s fyda Tyq úiska kdufhdackd lrk

,o mqoa.,fhla fõ' nexl=fõ ;SrK .ekSfï m%Odk wêldßh f,i wOHCI uKav,h ls%hd lrk w;r iNdm;sjrhd úiska tys

m%Odk;ajh orhs'

wkql+, ù

we;'

A.1.1 úêu;a /iaùï

jHjia:dkql+,j jir ;=,§ wOHlaI uKav,h úêu;aj /iaù ;sfí' jir ;=,§ wOHlaI uKav, /iaùï 17 la mj;ajd ;sfí'

wod< m%{m;Skag wkql+, fjñka jir ;=,§ wOHlaI uKav, wkq lñgq úêu;aj /ia úh' wOHlaI uKav, /iaùï j, úêu;aNdjh

iy f;dr;=re bÈßm;a lsÍfï rduqj iy l%ufõoh iïnkaOfhka wOHlaI uKav,h tlÕ;djh m< lrkq ,en ;sfnk w;r tajd

f,aLK .; lrk ,§' wOHlaI uKav, iy wOHlaI uKav, wkq lñgq /iaùï ms<sn| f;dr;=re msgq wxl 152 isg 153 olajd we;'

wkql+, ù

we;'

A.1.2 wOHlaI uKav,fha ld¾hNdrh iy j.lSï

wOHlaI uKav, m%{ma;sfha wOHlaI uKav,hg mejÍ we;s ld¾hNdrh iy j.lSï we;=<;a lr ;sfnk w;r" nexl=fõ

Wmdhud¾.sl ÈYdk;sh ilia lsÍu" wjodkï wNsreÑh ;SrKh lsÍu" uQ,H jd¾;dlrKh" kS;s yd fr.=,dis iu. wkql+,;djh"

ukd wdh;ksl md,kh" wdh;ksl Wmhdud¾.h wdYs%; ;sridr jHjdmdßl ixj¾Okh iy nexl=j wdrlaId lr.ekSu tu`.ska

;SrKh flf¾'

wkql+, ù

we;'

A.1.3 wOHlaI uKav,h furg kS;sh yd wkql+,j lghq;= lrhs'

fufyhqï wdYs%;j nexl=jg wod< jk kS;s" YS% ,xld uy nexl= kshduk iy ud¾f.damfoaY iy cd;Hka;r hymßphka iu`.

nexl=j wkql+,ù we;s nj iy;sl lsÍu i|yd wkqu; lrk ,o mámdáhla wOHlaI uKav,h i;=fõ' fuhg iajdëk Wmfoia

,nd.kakd f,ig yd Bg wod< msßjeh nexl=j úiska ork f,ig wOHlaI uKav,hg Wmfoia ,ndÈh yels jk wdldrfha mámdá

we;=<;a fõ'

wkql+, ù

we;'

A.1.4 wOHlaI uKav, f,alïf.a Wmfoia yd fiajd ,nd.ekSu iy wOHlaI uKav, f,alï m;a lsÍu fyda bj;a lsÍu'

wOHlaI uKav, mámdá wkq.ukh flfrk nj iy wod< jk kS;s yd fr.=,dis iu. wkql+, jk nj iy;sl lsÍfï j.lSu

mejfrk wOHlaI uKav, f,alïjrhdf.a Wmfoia iy fiajd ,nd.ekSug ish¿u wOHlaIjrekag yelshdj we;'

wOHlaI uKav, f,alï hkq m%Odk l<ukdlrK msßig we;=<;a ;k;=rla jk fyhska wOHlaI uKav, f,alï m;alsÍu fyda

bj;a lsÍu wOHlaI uKav, kdufhdackd lñgqfõ Wmfoia u; iuia; wOHlaI uKav,hu iïnkaOjk lreKls'

cd;sl b;sßlsÍfï nexl=fõ 30 jk j.ka;sh m%ldrj nexl=j úiska orkq ,nk hï w,dNhla fyda ydkshla hï wOHlaIjrfhl=f.a

úIudpdrhla fyda ish j.lSï is;du;d meyer yeÍula fya;=fjka isÿ fkdjQfha kï lsisÿ wOHlaIjrfhla nexl=j úiska orkq ,nk

tjeks hï w,dNhla fyda ydkshla iïnkaOfhka j.lsj hq;= ke;'

wkql+, ù

we;'

A.1.5 iajdëk ;SrK

nexl=fõ wOHlaI uKav,h ne|shdjkaf.ka f;dr w;r Wmhdud¾." ld¾h idOkh" iïm;a fnodyeÍu" wjodkï l<ukdlrKh"

wkql+,;djh iy yeisÍu ms<sn| m%ñ;s wdYs%; lreKq iïnkaOfhka yeu úgu iajdëk ;SrK j,g t<fUhs'

wkql+, ù

we;'

A.1.6 wOHlaI uKav,fha iy iud.fï lghq;= fjkqfjka m%udKj;a mßÈ ld,h iy Y%uh lem lsÍu'

wOHlaI uKav, /iaùï yd wOHlaI uKav, wkq lñgq /iaùï m%udKj;a ld,hlg fmr ixúOdkh flfrk w;r wOHlaI

uKav, m;s%ld iudf,dapkhg" wu;r f;dr;=re b,a,d isàug iy /iaùfuka miqj /iaùfï idlÉPd lrk ,o lreKq ms<sn|j

miq úmrul fh§u i|yd wOHlaIjrekag m%udKj;a ld,hla ,efnk nj iy;sl lsÍu i|yd idudkHfhka wOHlaI uKav,

/iaùug i;shlg fmr bf,lafg%dksla udOHhla Tiafia wod< m;s%ld wOHlaIjre w;r ixirKh flf¾' úfYaI wjia:djkays§

/iaùug wdikak Èk j,§ wOHlaI uKav, m;s%ld ixirKh lsÍu i|yd úêúOdk mj;S' jHdmdßl fufyhqï" wjodkï yd md,k

iïnkaOfhka hï wjfndaOhla ,nd.ekSug m%udKj;a ld,hla tu.ska i,id§ug wfmalaIs;h'

wkql+, ù

we;'

YS% ,xld jr,;a .Kldêlrjrekaf.a wdh;kh úiska ksl=;a lrk ,o wdh;ksl md,kh ms<sn|

hymßphka yd wkql+,;djh

wdh;ksl md,kh



fla;

wxlh

uQ,O¾u wkql+,;d

uÜgu

A.1.7 fhdackd iïu; lr.ekSu i|yd le|ùï

cd;sl b;sßlsÍfï nexl= mk; wkqj nexl=fõ iqnisoaêh msKsi fya;= jk nj yef`.k wjia:djl§ ´kEu wOHlaIjreka fofofkl=

úiska isÿ lrkq ,nk ,sÅ; b,a,Su wkqj úfYaI /iaùula le|ùug iNdm;sjrhdg wjia:dj we;' tjeks úfYaI /iaùula ms<sn|j

/iaùug Èk i;rlg fmr ish¿u wOHlaIjreka oekqj;a l< hq;=h'

wkql+, ù

we;'

A.1.8 wOHlaIjreka i|yd mqyqKqj

m;aùu ,eîfï§ wOHlaI uKav,hg m%udKj;a mqyqKqjla ysñfõ' úia;r i|yd msgq wxl 156 n,kak'

A.2 iNdm;s iy m%Odk úOdhl ks<OdÍf.a j.lSï úNckh

wOHCI uKav, m%{ama;sfha meyeÈ,sj ks¾jpkh lr we;s mßÈ n,h yd wêldßh iu;=,s; lr.ekSfï wruqKska yd hymßphka

ls%hdjg kexùu i|yd iNdm;s yd m%Odk úOdhl ks<OdÍ ;k;=re tlsfklska fjkafldg we;' nexl=fõ iNdm;s iajdëk fkdjk

wOHlaIjrfhla jk w;r" m%Odk úOdhl ks<OdÍ wOHlaI uKav, idudðlfhla fkdfõ'

wkql+, ù

we;'

A.3 iNdm;sf.a ld¾hNdrh

hymd,kh wdrlaId lr.ekSu iy wOHlaI uKav,fha M,odhS ld¾hidOkhg myiqlï iemhSu wruqKq lrf.k iNdm;s

úiska kdhl;aj ld¾hNdrhla bgq lrkq ,nhs' m%Odk l<ukdlrK ks<OdÍka iu`. újD; ikaksfõokhla mj;ajd

.ekSu iy Wmdhud¾.sl yd fufyhqï lghq;= i|yd odhl;ajh ,nd§u iNdm;sjrhdf.a j.lSu fõ' /iaùfï kHdh m;%h

idudkHdêldÍ$m%Odk úOdhl ks<OdÍ" wOHlaIjre iy wOHlaI uKav, f,alïf.a WmfoaYl;ajfhka Wmhdud¾." ld¾hidOkh"

iïm;a fnodyeÍu" wjodkï l<ukdlrKh iy wkql+,;djhg wod< lreKq flfrys wjOdkh fhduq lrñka ilia flf¾'

kHdh m;%fhA wvx.= lreKq ms<sn| iúia;rd;aul f;dr;=re ldf,daÑ; wdldrfhka wOHlaIjre fj; ,nd§u isÿ flf¾' ish¿u

wOHlaIjre ish ld¾hhka yd j.lSï iy wkq lñgq jHqyh ms<sn|j oekqj;ah' kHdh m;%fha i|yka lreKq iïnkaOfhka M,odhS

odhl;ajhla iemhsu i|yd wOHlaIjre Èßu;a flf¾' wjOdkhg ,la lr we;s lreKq ms<sn| wOHlaIjrekaf.a u;h úuid

oekf.k /iaùï jd¾;djkays i|yka flf¾'

wkql+, ù

we;'

A.4 uQ,H ksmqK;ajh

we;eï wOHlaIjre uQ,H$.sKqïlrK ms<sn| jD;a;Suh iqÿiqlï ork fyhska iy$fyda fcHIaG l<ukdldÍ ;k;=re iy$ke;fyd;a

wOHlaI ;k;=re ork mqoa.,hka jk fyhska uQ,H iïnkaê; lreKq j,§ ud¾f.damfoaYl;ajh iemhSu i|yd wjYH uQ,H

ksmqK;ajh yd oekqu wOHlaI uKav,h i;=fõ'

wkql+, ù

we;'

A.5 wOHlaI uKav,fha ;=,kh

cd;sl b;sßlsÍfï nexl= mk; wkqj rdcH nexl= ms<sn| j.lSu ork wud;Hjrhd úiska m;a lrkq ,nk wOHlaIjrekaf.ka

wOHlaI uKav,h iukaú; fõ' ish iajdëk;ajh$iajdëk fkdjk nj ms<sn|j wOHlaI uKav,h úiska jd¾Islj w;aika ;nk

,o yd od;u fhdod we;s m%ldYhla bÈßm;a lrhs'

wkql+, ù

we;'

A.6 f;dr;=re iemhSu

ish ld¾hNdrh yd j.lSu M,odhS whqßka bgq lsÍu i|yd l<ukdldÍ;ajh úiska idudkHfhka Èk i;lg fmr wOHlaI

uKav,hg fyda wOHlaI uKav, wkq lñgq fj; wjYH ld,Sk f;dr;=re imhkq ,nhs' idlÉPd l< lreKq ms<sn|j wOHlaI

uKav,h m%udKj;a mßÈ oekqj;a ù isák njg iNdm;sjrhd iy;sl jk w;r" wjYH wjia:djkayS§ f;dr;=re iemhSu i|yd

m%Odk l<ukdlrK ks<OdÍkag /iaùug iyNd.S jk f,i b,a,d isà' lsishï wOHlaIjrfhla /iaùulg iyNd.Sùug

wfmdfydi;a jqjfyd;a idlÉPdjg ,la l< lreKq ms<sn|j B<Õ /iaùug fmr úêu;aj f,aLK.; lrk /iaùï ,o jd¾;d

Tiafia tu wOHlaIjrhd oekqj;a lsÍug mshjr .efka' /iaùfï kHdh m;%h iy wjYH m;s%ld idudkHfhka /iaùug Èk i;lg

fmr iemfhk w;r" /iaùï jd¾;dj /iaùu mj;ajd wju jYfhka i;s folla we;=<; ixirKh flf¾'

wkql+, ù

we;'

A.7 wOHlaI uKav,hg m;a lsÍï

rdcH nexl=jla f,i cd;sl b;sßlsÍfï nexl=fõ ish¿u wOHlaIjreka m;a lrkq ,nkafka rdcH nexl= j, m%Odk;ajh ork

wud;Hjrhd úisks' f;dr;=re i|yd msgq wxl 156 n,kak'

wkql+, ù

we;'

A.8 kej; m;alsÍu

cd;sl b;sßlsÍfï nexl= mk; m%ldrj wNdjh" b,a,d wiaùu ksid fyda ;k;=frka my lsÍu fya;=fjka hï wOHlaIjrfhl=f.a

OQrh kshñ; Èkg fmr mqrmamdvq jkafka kï yer idudkHfhka wOHlaIjrfhl=f.a OQr ld,h jir ;=kls' wOHlaIjreka

m;alsÍu iy kej; m;alsÍu ms<sn| f;dr;=re i|yd jk fldgfia msgqj 156 n,kak'

wkql+, ù

we;'

wdh;ksl md,kh



fla;

wxlh

uQ,O¾u wkql+,;d

uÜgu

A.9 wOHlaI uKav, ld¾hidOkh we.hSu

wOHlaI uKav,h úiska ish j.lSï i;=gqodhl f,i bgq lrk nj iy;sl ;r.ekSu i|yd wOHlaI uKav,h úiska jd¾Islj ish

ld¾hidOkh wdYs%;j iajhx we.hSula isÿ lrkq ,nhs' we.hSï l%ufõofha§ iEu wOHlaIjrfhl= úiskau wOHlaI uKav, we.hSï

m;s%ldjla iïmQ¾K l< hq;=h' /ialr.kq ,nk m%;spdr wOHlaI uKav, kdufhdackd lñgqj fj; bÈßm;a lrkq ,nk w;r

lñgqfõ iudf,dapkfhka miqj tajd wOHlaI uKav,h fj; fhduq flf¾'

wOHCI uKav, wkqlñgqo tu ls%hdmámdáh wkq.ukh lrhs' jeä úia;r i|yd msgq wxl 157 ys wdh;ksl md,kh fj; fhduqjkak'

wkql+, ù

we;'

A.10 wOHlaIjreka iïnkaaO f;dr;=re fy<sorõ lsÍu

wOHlaIjreka iïnkaOfhka ix.%yfha ksYaÑ;j olajd we;s f;dr;=re my; oelafjk mßÈ fuu jd¾;dfõ i|yka lr we;¡

ku" iqÿiqlï" m%ùK;ajh" m%udKd;aul jHdmdßl wNs,dI iy miqìï f;dr;=re msgq wxl 131 isg 133 olajd we;=<;a lr we;'¡

wOHlaIjreka úOdhl fyda úOdhl fkdjk wOHlaIjrekao iy$fyda iajdëk fyda iajdëk fkdjk wOHlaIjrekao hkak msgq wxl

152 isg 153 olajd we;=<;a lr we;¡

iïnkaê; md¾Yj wdYs%; .kqfokq msgq wxl 340 ys we;s uQ,H m%ldYkhkays wxl 47 ^wE& igyfkys we;=<;a lr we;¡

wOHlaI uKav, wkq lñgq j, idudðl;ajh iy wOHlaI uKav, iy wOHlaI uKav, wkq lñgq /iaùï i|yd iyNd.S;ajh msgq

wxl 152 ys isg 154 olajd we;=<;a fõ¡

wkql+, ù

we;'

A.11 idudkHdêldÍ$m%Odk úOdhl ks<OdÍ we.hSu

msgq wxl 157 n,kak¡ wkql+, ù

we;'

B wOHlaIjrekaf.a fõ;k

B.1 cd;sl b;sßlsÍfï nexl= mk; yd tys ixfYdaOk m%ldrj wOHlaIjrekag f.jkq ,nk fõ;k ;SrKh lrkq ,nkafka úIhh Ndr

wud;Hjrhd úisks¡

Tyqf.a$wehf.a jegqm ;SrKh lsÍu i|yd lsisÿ wOHlaIjrfhla iïnkaO jkafka ke;¡ jir ;=klg jrla iudf,dapkhg ,la

flfrk iduQysl .súiqu u; mokïj idudkHdêldÍ$m%Odk úOdhl ks<OdÍ iy m%Odk l<ukdlrK ks<OdÍkaf.a jegqma

iïnkaOfhka wOHlaI uKav, udkj iïm;a yd mdßY%ñl lñgqj úiska wOHlaI uKav,h fj; ks¾foaY bÈßm;a lrkq ,nhs¡

m%Odk l<ukdlrK ks<OdÍka i|yd wOHlaI uKav,h úiska wkqu; lrk ,o fõ;k m%;sm;a;shla nexl=j ;=< ls%hd;aul fõ¡

lñgq ks¾foaY u; rdcH nexl= ms<sn| j.lSu ork wud;Hjrhdg ks¾foaY bÈßm;a lrkq ,nk w;r cd;sl b;sßlsÍfï nexl= mk;

yd tys ixfYdaOk j,g wkql+,j tlS wud;Hjrhd úiska wkque;sh ,ndfokq ,nhs¡ wOHlaI uKav, udkj iïm;a yd mdßY%ñl

lñgqj úOdhl fkdjk wOHlaIjre ;sfofkl=f.ka iukaú; fõ¡ wOHlaI uKav, udkj iïm;a yd mdßY%ñl lñgqj ms<sn|

f;dr;=re i|yd msgq wxl 183ys isg 184 olajd n,kak¡

wkql+, ù

we;'

B.2 fõ;k j, ieleiau yd uÜgu

rdcH nexl=jla f,i cd;sl b;sßlsÍfï nexl= mk; m%ldrj fõ;k j, ieleiau yd uÜgu ;SrKh lrkq ,nkafka úIhhNdr

wud;Hjrhd úisks¡

wkql+, ù

we;'

B.3 fõ;k ms<sn| fy<sorõ lsÍu

wOHlaIjrekaf.a fõ;k j, ieleiau yd uÜgu msgq wxl 156 ys oelafõ¡

wOHlaIjrekaf.a iuia; fõ;k ms<sn| f;dr;=re msgq wxl 340 ys oelafjk igyk 47 ^wE& ys oelafõ¡

wOHlaI uKav, udkj iïm;a yd mdßY%ñl lñgqj ms<sn| f;dr;=re iy tys jd¾;dj i|yd msgq wxl 183 isg 184 olajd n,kak¡

wkql+, ù

we;'

C fldgiaysñlre iu. in|;d

C.1 jd¾Isl uyd iNd /iaùu mq¿,a f,i Ndú;hg .ekSu iy idudkH /iaùï meje;aùu

jd¾Isl uyd iNd /iaùu mq¿,a f,i Ndú;hg .ekSu iy idudkH /iaùï meje;aùu

rdcH nexl=jla f,i cd;sl b;sßlsÍfï nexl=j úIhhNdr wud;HxYh iu. ks;sm;d /iaùï mj;ajhs¡

wkql+, ù

we;'

C.2 fldgiaysñlre iu. ikaksfõokh

YS% ,xld rch nexl=fõ tlu fldgiaysñlre fõ¡ tneúka" nexl=j ish úIhh m:hg wh;a jk uqo,a wud;HxYh Tiafia

fuu jd¾Isl jd¾;dj md¾,sfïka;=jg bÈßm;a flf¾¡

wkql+, ù

we;'

wdh;ksl md,kh



C.3 m%Odk yd m%udKd;aul .Kqfokq ms<sn|j fy<sorõ lsÍu

nexl=fõ fyda iuQyfha Y=oaO j;alï moku flfrys n,mEula we;s l< yels —m%Odk .kqfokq˜ fyda fy<sorõ lrk ,o .kqfokq

yer fjk;a m%udKd;aul iïnkaê; md¾Yj wdYs%; .Kqfokq lsisjla fkdue;¡

wOHlaI uKav, jd¾Isl jd¾;dj msgq wxl 229 ys isg 235 olajd fõ¡

uQ,H m%ldYk we;s 47 ^wE& 340 ys we;=<;a lr we;'¡

wkql+, ù

we;'

D j.ùï yd ú.Kkh

D.1 uQ,H yd jHdmdßl jd¾;dlrKh ^jd¾Isl jd¾;dj&

nexl=fõ uQ,H ;;a;ajh" ld¾hidOkh" jHdmdßl rduqj" md,k jHqyh" wjodkï l<ukdlrKh" wNHka;r md,k iy wNsfhda."

wjia:d yd wfmalaId ms<sn| ;=,kd;aul iy jgyd.; yels iudf,dapkhla fuu jd¾Isl jd¾;dfjka bÈßm;a flf¾¡ m%ldYhg m;a

lsÍug fmr wOHlaI uKav, ú.Kk lñgqj úiska iudf,dapkhg ,la flfrk uQ,H m%ldYk we;=<;a jk fuu jd¾Isl jd¾;dj

fukau w;=re uQ,H m%ldYko ienE yd idOdrK oelaula ,ndfok njg;a wod< kS;s yd kshdukhkag wkql+,j ilia lr we;s

njg;a iy;slùu i|yd nexl=j úiska iEu mshjrlau .kakd ,§¡ ix.%yh u.ska olajd we;s my; fy<sorõ lsÍï my; wdldrhg

fuu jd¾Isl jd¾;dfõ oelafõ¡

l<ukdlrK idlÉPdj iy úYaf,aIKh i|yd msgq wxl 66 isg 124 olajd n,kak¡

wOHlaI uKav,fha jd¾Isl jd¾;dj i|yd msgq wxl 229 isg 235 olajd n,kak¡

wOHlaIjrekaf.a j.lSu ms<sn| m%ldYkh i|yd msgq wxl 236 isg 237 olajd n,kak¡

wNHka;r md,k ms<sn| wOHlaIjrekaf.a m%ldYh i|yd msgq wxl 238 isg 239 olajd n,kak¡

idudkHdêldÍ$m%Odk úOdhl ks<OdÍ iy ksfhdacH idudkHdêldÍf.a ûQ,H yd ie,iqï& j.lSu ms<sn| m%ldYh i|yd msgq wxl

243 isg 244 olajd n,kak¡

iïnkaê; md¾Yjj, .kqfokq i|yd msgq wxl 339 isg 341 olajd n,kak¡

iudf,dapkhg ,la flfrk j¾Ih ;=,§ nexl=fõ Y=oaO j;alï jákdlu by< .sh w;r th msgq wxl 341 ys we;s uQ,H

m%ldYkhkag wod< 48 igyfkys fy<sorõ lr we;¡

wkql+, ù

we;'

D.2 wjodkï l<ukdlrKh iy wNHka;r md,k

nexl=fõ Wmdhud¾. <Õd lr.ekSu" iqÿiq wjodkï l<ukdlrK l%ufõohla iy fldgiaysñlref.a wdfhdack iy nexl=fõ

j;alï wdrlaId lsÍfï wruqK we;sj ukd wNHka;r md,k l%ufõohla ilia lsÍu iy ls%hd;aul lsÍu i|yd tys wjodkï

wNsreÑh ;SrKh lsÍfï j.lSu wOHlaI uKav,h fj; mejf¾¡ wjodkï l<ukdlrKhg wod< ish ld¾hhka bgq lsÍug

wOHlaI uKav, taldnoaO wjodkï l<ukdlrK lñgqj wOHlaI uKav,hg iyh jk w;r wOHlaI uKav, ú.Kk lñgqj

wjodkï l<ukdlrK ls%hdj,sfha iy wNHka;r md,k j, M,odhS;djhg wod< wOHlaI uKav, ld¾hNdrh bgq lsÍu i|yd

wOHlaI uKav,hg iyhfõ¡ wod< wkq lñgq j, j.lSï ms<sn| idrdxYhla tla tla wOHlaI uKav, wkq lñgqj ms<sn| jd¾;dfõ

oelafõ¡ fuu wkq lñgq ia:dms; lr ;sfnkafka 2007 wxl 12 ork wdh;ksl md,kh ms<sn| nexl= mk;" YS% ,xld jr,;a

.Kldêldrjrekaf.a wdh;kh úiska ksl=;a lrk ,o wdh;ksl md,kh ms<sn| hymßp ix.%yh iy nexl=fõ m%;sm;a;s j,g

wkql+,jh¡ nexl=fõ wjodkï l<ukdlrK wxYh úiska wOHlaI uKav, taldnoaO wjodkï l<ukdlrK lñgqjg wjYH iyh

,ndfok w;r nexl=j wjodku l<ukdlrKh lrkafka flfiao hkak ms<sn|j msgq wxl 196 ys isg 226 olajd i|yka fõ¡

wkql+, ù

we;'

D.3 ú.Kk lñgqj

wOHlaI uKav, ú.Kk lñgqj úOdhl fkdjk wOHlaIjreka ;sfofkl=f.ka iukaú; fõ¡ nexl=fõ fcHIaG wOHlaIjrhd

wOHlaI uKav, ú.Kk lñgqfõ idudðlfhls¡ ix.%yh wkqj ilia lrk ,o wOHlaI uKav, ú.Kk lñgqfõ fhduq lsÍfï

wkqfoaY m%ldrj tys úIhh m:fha idrdxYhla fuu jd¾Isl jd¾;dfõ msgq wxl 179 isg 182 olajd we;=<;a fõ¡ ix.%yh u;

mokïj fhduq lsÍfï wkqfoaY ilia flf¾' wNHka;r md,k ms<sn| iudf,dapkh wNHka;r ú.Kk wxYh úiska isÿ lrkq ,nk

w;r tys m%;sM, ks;sm;d wOHlaI uKav, ú.Kk lñgqj fj; jd¾;d lrkq ,nhs¡ wNHka;r md,k j, M<odhS;djh ms<sn|

ndysr iy;sl lsÍu ndysr ú.Kljrhd jk ú.Kldêm;sjrhd fj;ska ,nd.efka¡ tu iy;sl lsÍu fuu jd¾Isl jd¾;dfõ msgq

wxl 240 we;=<;a fõ¡

wkql+, ù

we;'

D.4 iïnkaê; md¾Yj wdYs%; .kqfokq ms<sn| iudf,dapk lñgqj

nexl=j úiska 2019 ud¾;= udifha§ wOHlaIjrekaf.a iy m%Odk l<ukdlrK msßig wod< iïnkaê; md¾Yjhkaf.a .kqfokq

ksÍlaIKh lsÍu i|yd wOHlaI uKav, iïnkaê; md¾Yjhkaf.a .kqfokq iudf,dapk lñgqj ia:dms; lrk ,§¡

fla;

wxlh

uQ,O¾u wkql+,;d

uÜgu

wdh;ksl md,kh



D.5 jHdmdr p¾hdj iy wpdr O¾u ix.%yh

m%Odk l<ukdlrK ks<OdÍka we;=¿ ish¿u fiajlhkag wod< jk mßÈ wNHka;ßlj ilia lrk ,ÿj wOHlaI uKav,h úiska

wkqu; lrk ,o jHdmdr p¾hd iy wdpdr O¾u moaO;shla nexl=j i;=h¡ nexl=fõ ish¿u ks<OdÍka jd¾Islj j;alï yd nerlï

m%ldYhla udkj iïm;a ixj¾Ok wxYh fj; bÈßm;a l< hq;=h¡ ish¿u wOHlaIjre ish jd¾Isl j;alï yd nerlï m%ldYh wod<

wud;HxYh fj; bÈßm;a lr;s¡

lsishï W,a,x>Kh lsÍula fjf;d;a tajd y÷kd.ekSu yd ta iïnkaOfhka lghq;= lsÍug wod< m%;sm;a;s yd l%ufõo nexl=j úiska

ia:dmkh lrkq ,en ;sfí¡

m%iïmdok l%ufõo úksúoNdjfhka hqla; nj iy;sl lr.ekSu i|yd nexl=j m%iïmdok ud¾f.damfoaYhla ls%hdjg kxjhs¡

wkql+, ù

we;'

D.6 wdh;ksl md,k fy<sorõ lsÍï

ia:dms; hym;a wdh;ksl md,k m%;sm;a;s yd mßphka iu. nexl=j fl;rï ÿrlg wkql+, ù ;sfío hkak wOHlaIjre

úiska fy<sorõ lrkq ,eìh hq;=h¡ hym;a wdh;ksl md,k m%;sm;a;s yd mßphka flfrys nexl=fõ wkql+,;djh my;

oelafjk jd¾;d j, i|yka fõ'

msgq wxl 148 isg 173 olajd we;s wdh;ksl md,k jd¾;dj'

msgq wxl 174 isg 178 olajd we;s YS% ,xld jr,;a .Kldêldrjrekaf.a wdh;kh úiska ksl=;a lrk ,o wdh;ksl

hymßphka ms<sn| ix.%yh flfrys wkql+,;dj'

wkql+, ù

we;'

E & F fldgia ysñlre iy wfkl=;a wdfhdaclhka

md¾,sfïka;= mk;lska" tkï" cd;sl b;sßlsÍfï nexl= mk; hgf;a nexl=j ixia:dmkh lrk ,o w;r YS% ,xld rch tys tlu

fldgiaysñlre fõ¡ wjYH wjia:djkays§ úIhhNdr wud;Hjrhd Tiafia wfkHdkH wjfndaOh u; mokïj nexl=j YS% ,xld rch

iu. ksrka;r yd jHqyd;aul idlÉPd mj;ajhs¡

wkql+, ù

we;'

G. wka;¾cd,h yd ihsn¾ wdrlaIdj

wOHlaI uKav,h úiska wkqu; lrk ,o f;dr;=re wdrlaIK m%;sm;a;shla nexl=j i;=h¡ nexl=j úiska m%Odk f;dr;=re wdrlaIK

ks<Odßfhla m;a lrkq ,en ;sfnk w;r Tyq ihsn¾ wdrlaIK wjodkï l<ukdlrKh ls%hd;aul lsÍu iy ta iïnkaOfhka

ls%hdjg kexúh hq;= fjk;a l%ufõohla fjf;d;a ta ms<sn|j iajdëkj ksÍlaIKh lr wOHlaI uKav, taldnoaO wjodkï

l<ukdlrK lñgqj Tiafia wOHlaI uKav,h oekqj;a lrhs¡ tfiau" nexl=jg wod< ihsn¾ wjodkï l<ukdlrK l%ufõo

ms<sn|j wOHlaI uKav, f;dr;=re ;dlaIK Wmhdud¾. lñgqj úiska we.hSug ,la lrkq ,eîfuka miq ta ms<sn|j wOHlaI

uKav,h oekqj;a flf¾¡ nexl=j úiska iEu jirl§u wka;¾cd,h yd ihsn¾ wdrCIdj ms<sn| ndysr yd wNHka;r wjodkï

we.hSï i;rla mj;ajkq ,efí¡

wkql+, ù

we;'

H. mßirh" iudch yd md,kh

H.1 ESG jd¾;dlrKh

wjia:djka .%yKh lr.ksñka iy wjodkï l<ukdlrKh lrk w;r jákdlï ks¾udKh lr.ekSu i|yd jk idl,H

m%fõYhla ;sridr jHdmdßl m%fõYh ;=, wka;¾.; fõ¡ nexl=j tys jHdmdr iïnkaOfhka wod< lr.kakd ;sridr m%fõYfhaÈ ish

flá" uOHu yd È.= ld,Sk Wmdhud¾. Tiafia ks¾udKh lrk ,o wd¾Ól" iudchSh yd mdßißl jákdlï ms<sn|j wjOdkh

fhduq lrkq ,nhs¡ ;sridr jd¾;dlrKfha§ nexl=j" ms<s.ekSu" ;lafiare lsÍu iy fy<sorõ lsÍu isÿ l< hq;= w;r wNHka;r yd

ndysr md¾Yajlrejkayg j.úh hq;= fõ' ix.%yh m%ldrj bÈßm;a l< hq;= f;dr;=re jd¾Isl jd¾;dfõ my; i|yka fldgia j,

oelafõ¡

l<ukdlrK idlÉPd iy úYaf,aIKh - msgq wxl 66 isg 124 olajd n,kak¡

wdh;ksl md,kh - msgq wxl 148 isg 178 olajd n,kak¡

md¾Yjlrejka msgq wxl 54 isg 59 olajd n,kak'

m%udKd;aul lreKq - msgq wxl 60 isg 64 olajd n,kak'

fuu jd¾Isl jd¾;dj IIRC rduqj yd GRI ud¾f.damfoaY j,g wkql+, fõ'

wkql+, ù

we;'

fla;

wxlh

uQ,O¾u wkql+,;d

uÜgu



lñgqfõ ixhq;sh

2018 jir ;=,§ wOHlaI uKav, ú.Kk lñgqj

my; kï i|yka idudðlhkaf.ka

iukaú; úh¡

ã t,a mS wd¾ wfír;ak uy;d - úOdhl fkdjk$iajdëk fkdjk - iNdm;s

^2015 fkdjeïn¾ 30 isg 2018 cQ,s 11 olajd&

ta fla fikúr;ak uy;d - úOdhl fkdjk$iajdëk fkdjk - idudðl

^2015 cQks 4 isg 2018 wf.daia;= 6 olajd - 2018 foieïn¾ 31 olajd&

wks,a rdclreKd uy;d - úOdhl fkdjk$iajdëk fkdjk - idudcsl

^2015 fkdjeïn¾ 30 isg - 2018 foieïn¾ 31 olajd&

fIydrd chj¾Ok ñh - úOdhl fkdjk$iajdëk fkdjk - idudcsl

^2018 wf.daia;= 7 isg 2018 fkdjeïn¾ 12 olajd&

wdpd¾h ã Ikauq.iqkaorï uy;d - úOdhl fkdjk$iajdëk fkdjk -

idudcsl ^2018 wf.daia;= 7 isg&

lñgqfõ j;auka ixhq;sh iy j¾;udk idudðlhka ms<sn| úia;r msgq wxl

154 yd 131 isg 133 olajd we;=<;a fõ¡

ixfYdaOkh lrk ,o mßsÈ 1971 wxl 30 ork cd;sl b;sßlsÍfï nexl= mkf;a

8 ^1& j.ka;sh hgf;a msysgqjd we;s cd;sl b;sßlsÍfï nexl=fõ wOHlaI

uKav,h wOHlaIjreka i;a fofkl=f.ka iukaú; jk w;r wOHlaI

uKav, ú.Kk lñgq idudðlhka f,i lghq;= lsÍug wjYH iqÿiqlï"

ksmqK;d iy w;aoelSï j,ska Tjqyq mßmQ¾Kh¡

wdrdOkh u; ks;sm;d /iaùïj,g

iyNd.S jk ks<OdÍka

ksfhdacH idudkHdêldÍ ^ú.Kk&

ksfhdacH idudkHdêldÍ ûqo,a yd ie,iqï&

lñgqfõ f,alï

2013 cQ,s 11 Èke;s wOHlaI uKav, ;SrKh m%ldrj wOHlaI uKav, f,alï

lñgqfõ f,alï f,io lghq;= lrhs¡

/iAùï

ku iyNd.Sùug

iqÿiqlï,;a

/iaùï .Kk

iyNd.SjQ /iaùï

.Kk

ã t,a mS wd¾ wfnhr;ak uy;d 04 04

ta fla fikúr;ak uy;d 04 04

wks,a rdclreKd uy;d 07 07

fIydrd chj¾Ok ñh 03 03

wdpd¾h ã Ikauq.iqkaorï uy;d 03 03

2018 foieïn¾ 31 Èfkka wjikajQ uQ,H j¾Ih ;=, lñgqj /iaùï y;la

mj;ajk ,o w;r wOHlaI uKav, ú.Kk lñgq m%×ma;sh m%ldrj lñgq

/iaùul .KmQrKh ;=fkka folls'

ksÍlaIlfhl= f,i ú.Kldêm;sjrhd ksfhdackh lrñka ú.Kk

fomd¾;fïka;=fõ ú.Kk ú.Kk wêldÍ ú.Kk lñgq /iaùï mylg

iyNd.S ù ;sfí' wjYH;djh mßÈ nexl=fõ idudkHdêldÍ$

úOdhl ks<OdÍ we;=¿ fcHIaG l<ukdldÍ;ajh wdrdOkdj u; lñgq

/iaùï j,g iyNd.S jQy'

lñgqjg tys j.lSï bgq lsÍfuys,d fukau my; oelafjk lreKq

iïnkaOfhka wëlaIK j.lSï bgq lsÍfuys,d wOHlaI uKav,h

úiska lñgqj n,.kajkq ,en ;sfí'

^w& nexl=fõ uQ,H m%ldYk j, mßmQ¾K;ajh

^wd& nexl=fõ wjodkï l<ukdlrK ld¾hfhys M<odhS;djh

^we& nexl=fõ wNHka;r ú.Kk ld¾hfhys ld¾hidOkh

^wE& nexl=fõ ndysr ú.Kk ld¾hfhys ld¾hidOkh

lñgqfõ ld¾hhka iy j.lSï fukau wêldÍ n,;,o lñgq m%×ma;sfha

oelafõ' lñgqfõ lghq;= iy j.lSï bgq lsÍfï§ m%×ma;sh flfrys

jk wkql+,;djh uek ne,Su i|yd lñgqjg iyhùu msKsi m%×ma;s

msßlaiqï ,ehsia;=j Wmfhda.S lr.kakd ,§'

wOHlaI uKav, ú.Kk lñgq m%×ma;sh

wOHlaI uKav,h úiska wkqu; lrk ,o iy ks;sm;d w¿;a flfrk

wOHlaI uKav, ú.Kk lñgqfõ m%×ma;sh lñgqfõ úIhh m:h

meyeÈ,sj olajhs¡ nexl= lafIa;%fha kj m%jK;d ie,ls,a,g .ksñka 2018

j¾Ifha§ lñgqfõ m%×ma;sh iudf,dapkh flßK¡

nexl=fõ wOHlaI uKav, ú.Kk lñgqj ia:dms; lrk ,oafoa YS% ,xld

uy nexl=j úiska ksl=;a lrk ,o 2007 wxl 12 ork n,m;%,dNS

úfYaIs; nexl= i|yd wdh;ksl md,kh ms<sn| nexl= kshdukfha

3 ^6& îi& j.ka;sh yd tys miqld,Sk ixfYdaOk" hymd,kh i|yd

jk fmdÿ jHjidh ud¾f.damfoaY j, úêúOdk iy YS% ,xld jr,;a

.Kldëldrjrekaf.a wdh;kh úiska ksl=;a lrk ,o wdh;ksl

md,kh ms<sn| hymßp ix.%yhg wkql+,jh¡

wOHlaI uKav, ú.Kk lñgqj jd¾;dj




jd¾;dlrKh

ish ls%hdldrlï ms<sn|j /iaùï igyka iu.ska lñgqj iDcqj

wOHlaI uKav,h fj; jd¾;d lrhs' wOHlaI uKav, ú.Kk lñgqj

wNHka;r ú.Kkh" ndysr ú.Kkh iy wOHlaI uKav,h w;r újD;

ikaksfõok ud¾.hla iy;sl lrhs' lñgqfõ fhduq lsÍfï úIh m:h

yd iSudjka ish¿ m%udKd;aul lafIa;% ;=, wkql+, jk nj lñgqj

úYajdi lrhs'

2018 j¾Ifha ls%hdldrlï

uQ,H jd¾;dlrKh

fy<sorõ lsÍu i|yd ms<sfh, lrk ,o uQ,H m%ldYk iy ld¾;=uh

jd¾;d j, wLKav;djh iy wka;¾.; ie,lsh hq;= uQ,H jd¾;dlrK

;SrK ksÍlaIKh lsÍu i|yd lñgqj úiska nexl=fõ uQ,H m%ldYk

m%isoaêhg m;alsÍug fmr iudf,dapkhg ,la lrk ,§' uQ,H m%ldYk

Tiafia nexl=fõ uQ,H ;;a;ajh yd ld¾hdidOkh ms<sn|j ienE iy

idOdrK woyila cks; lrk njg idlaIs iemhSu i|yd lñgqj m%Odk

;SrK lafIa;%" .sKqïlrK m%;sm;a;s yd mßphka" ú.Kkh Tiafia

mek k.sk ie,lsh hq;= .e<mSï" wLKav jHdmdr Wml,amkh iy

wod< .sKqïlrK m%ñ;s iy fjk;a ffk;sl wjYH;d iu. wkql+,ùu

flfrys lñgqj wjOdkh fhduq l< hq;=h'

wNHka;r ú.Kk wxYh úiska ksÍlaIK iu.ska bÈßm;a lrk ,o —

uQ,H m%ldY iudf,dapkh ms<sn| jd¾;dj˜ 2017 j¾Ih i|yd lñgqj

úiska iudf,dapkh lrk ,o w;r ld¾;=uh mokula u; bÈßm;a lrk

,o uQ,H m%ldY flgqïm;o iudf,dapkh lrk ,§'

YS% ,xld uQ,H jd¾;dlrK m%ñ;s 9 ls%hd;aul

lsÍfï m%.;sh

lñgqj úiska YS% ,xld .sKqïlrK m%ñ;s 9 ys n,mEu ;lafiare lsÍu iy

ls%hd;aul lsÍu ksÍlaIKh lrk ,§' YS% ,xld uQ,H jd¾;dlrK m%ñ;s

9 ls%hd;aul lsÍu fya;=fjka we;sjk Èk 1 n,mEu ie,ls,a,g .ksñka

nexl=j YS% ,xld uQ,H jd¾;dlrK m%ñ;s 9 hgf;a ixiokd;aul w.hka

i|yd kej; m%ldYhg m;a lrk ,o ish uQ,H m%ldYk iudf,dapkh

lrk ,§' nexl=j úiska 2017 foieïn¾ 31 Èkg ish uQ,H m%ldY kej;

m%ldYhg m;a lrk ,§'

ndi,a III ls%hd;aul lsÍu

2016 wxl 1 ork m%d.aOk yd øjYS,;d wjYH;d ms<sn| nexl= mk;a

kshdukh ls%hd;aul lsÍfï m%.;sh iy wkql+,;djh jir ;=,§ lñgqj

úiska iudf,dapkh lrk ,§' 2018 foieïn¾ jk úg nexl=j tu

kshduk wjYH;d iu. mQ¾K jYfhka wkql+, ù we;'

wNHka;r m%d.aOk m%udKd;aul;d

we.hqï ls%hdj,sh

2016 wxl 1 ork nexl= mk;a kshdukfhys 10 jk j.ka;sh m%ldrj

nexl=fõ m%d.aOk m%udKd;aul;d we.hqï ls%hdj,shg wod< wLKav;djh"

ksjerÈNdjh iy idOdrK;ajh ms<sn| iajdëk iudf,dapkhla isÿ l<

hq;=h' wNHka;r m%d.aOk m%udKd;aul;d we.hqï ls%hdj,sfha kshduk

wjYH;d bgq lsÍu i|yd nexl=j úiska wNHka;r md,k l%ufõofha

M<odhl;ajh iudf,dapkh lrk ,§'

wjodkï yd md,k ls%hdud¾. y÷kd.ekSu

jHdmdr fufyhqï yd uQ,H jd¾;dlrKh flfrys wjodkï

yd tajdfha n,mEu y÷kdf.k ;lfiare lsÍug nexl=j yd

tys mßmd,s;h ne|S isá;s' nexl=j wjodku u; mokïjQ

ú.Kk m%fõYhla wkq.ukh lrk w;r 2007 wxl 1 ork

nexl= mk;a kshdukfha 3 ^8& îi& ^wd& j.ka;shg iy YS% ,xld

.Kldêldrjrekaf.a wdh;kh úiska ksl=;a lrk ,o ud¾f.damfoaY

j,g wkql+,j ilia lr we;s uQ,H jd¾;dlrKhg wod< nexl=fõ

wNHka;r md,kj, M<odhS;djh lñgqj úiska ;lafire lrk ,§'

md,k mßirh iy lemS fmfkk wjodkï lafIa;% j, md,kfha

m%udKd;aulNdjh we;=¿ nexl=fõ wjodkï l<ukdlrK l%ufõoh

wOHlaI uKav, ú.Kk lñgqj úiska idudf,dapkhg ,la lrk

,§' ;j ÿrg;a mej;sh yels .sKqïlrK yd uQ,H jd¾;dlrK fodaI"

j;alï wjNdú;h" kS;s W,a,x>Kh lsÍï iy wdh;ksl wdpdrO¾u

ix.%yhg wkql+, fkdùu wkdjrKh lr.ekSu i|yd jk nexl=fõ

wNHka;r md,k l%ufõoh wOHlaI uKav, ú.Kk lñgqj úiska

iudf,dapkh flßK'

wNhka;r md,kh ms<sn| wOHlaIjrekaf.a m%ldYh iy wNHka;r

md,kh mss<sn| ú.Kldêm;s jd¾;dj msgq wxl 238 isg 240 olajd

fõ' fï iïnkaOfhka lñgqfõ u;h jkafka idOdrK iy;slhla

,nd§ug iy nexl=j by; lS wjYH;dj,g wkql+, njg iy;slhla

,nd§ug wjYH mámdá iy mÍlaIK l%ufõo nexl=j i;= jk njhs'

wNHka;r ú.Kk iy mÍlaId lsÍï

wNHka;r ú.Kk lghq;= th ú.Kkh lrk wfkl=;a lghq;= j,ska

iajdëk njg wOHlaI uKav, ú.Kk lñgqj iy;sl fõ' tfiau"

lñgqj úiska wNHka;r ú.Kk wxYfha úIhh m:h" ls%hdldrlï

yd iïm;a j, m%udKd;aulNdjh iudf,dapkh lrk ,o w;r wod<

ld¾hhka bgq lsÍug wjYH n,;, wxYh i;= njgo lñgqj iEySulg

m;afõ'

nexl=fõ wNHka;r ú.Kk wxYh úiska jd¾Isl ú.Kk ie,eiaug

wkql+,j YdLd" wxY iy wfkl=;a tall ú.Kkh lrk ,§' ú.Kkh

l< hq;= jdr .Kk ;lafiare lrk ,o wjodkï uÜgu u; ;SrKh

flßK' ú.Kk ie,eiau ls%hdjg kexùu i|yd wOHlaI uKav,

ú.Kk lñgqfõ wkque;sh ,eî we;' 2018 i|yd wkqu; ú.Kk

ie,eiau 2018 j¾Ih wjika jk úg mQ¾K jYfhka ls%hd;aul

lrk ,§'




m%;sm;a;s yd l%ufõo iu. wkql=,;ajh iy wNHka;r moaO;s j,

M,odhl;ajh iy;sl lsÍu i|yd wNHka;r ú.Kk wxYh ú.Kk

mÍlaId isÿ lrk w;r lsishï wkql+, fkdjk wjia:djla fjf;d;a

ta iïnkaOfhka f;dr;=re jd¾;d lrhs' fufyhqï yd l<ukdlrK

lghq;= ms<sn| iajdëk iy úIhh uQ,sl jd¾;djla iemhSu i|yd tu

ú.Kk mj;ajk ,§'

wNHka;r ú.Kk wxYh úiska mj;ajk ,o úêu;a ú.Kk mÍlaId

iy f;dr;=re moaO;s wdYs%; ú.Kk wOHlaI uKav, ú.Kk lñgqj

úiska iudf,dapkhg ,la flßK' tfiau" 2017 fkdjeïn¾ isg 2018

fkdjeïn¾ olajd ld,h w;r;=r mj;ajk ,o wNHka;r mÍlaIK

jd¾;d iy nexl=fjka jxpksl f,i uqo,a wdmiq .ekSfï isÿùï

ms<sn| jd¾;dj lñgqj úiska iudf,dapkh lrk ,o w;r ú.Kk yd

iqmÍlaIK wxYfha fcHIaG fiajl uKav, idudðlhkaf.a jir i|yd

jk ld¾hidOkh iudf,dapkhg ,la lr we;'

nexl=fõ wNHka;r ú.Kk w;afmd; wNHka;r ú.Kk ld¾hfha

ls%hdldÍ;ajh idrdxY fldg olajk w;r idudkHfhka wNHka;r

ú.Kk md,kh flfrk m%;sm;a;s" m%ñ;s iy mámdá bka

ksrEmKh fõ'

wNHka;r ú.Kk wxYhg ish j.lSï M,odhS yd iajdëk f,i bgq

lsÍug iyhùu i|yd wNHka;r ú.Kk m%×ma;sh Ndú; flf¾'

wNHka;r ú.Kk wxYfha úIhh m:h" ls%hdldrlï" j.lSï"

n,dêldrh" jd¾;dlrK l%ufõo" iajdëk;ajh iy úIhh uQ,sl Ndjh

we;=<;a fõ'

ndysr ú.Kkh

jHjia:dj wkqj nexl=fõ ndysr ú.Kljrhd jkafka

ú.Kldêm;sjrhdh' úOhl l<ukdldÍ;ajfha iyNd.S;ajfhka

f;drj ndysr ú.Kk ks<Odßhd iu. wju jYfhka fojrla /iaùï

mj;ajd ;sfí' jeo.;a ´kEu lreKla ms<sn|j Tjqkaf.a woyia m%ldY

lsÍu i|yd iajdëkj lñgqj yuqùfï wjia:djo Tjqkag i,id we;'

wOHlaI uKav, ú.Kk lñgq /iaùï j,§ ú.Kk l%ufõofha

idOkShNdjh ms<sn|j rdcH ú.Kk md,l iu. idlÉPd flf¾'

ú.Kk wruqK fjkqfjka wjYH ish¿u f;dr;=re yd ,sms f,aLK

imhk njg lñgqj iy;sl fõ'

lñgqj jir ;=<§"

2017 foieïn¾ 31 Èfkka wjikajQ j¾Ih i|yd nexl=fõ uQ,H jd¾;d

ms<sn| ú.Kldêm;s úiska md¾,sfïka;=jg bÈßm;a lrk ,o jd¾;dj"

l<ukdlrK ,smsh iy Bg nexl=fõ wdh;ksl l<ukdldÍ;ajfha

m%;spdrh iudf,dapkh lrk ,o w;r wjYH ksjerÈ lsÍfï

ls%hdud¾. ms<sn|j miq úmrul fhfok ,§'

ú.Kldêm;s fomd¾;fïka;=j úiska bÈßm;a lrk ,o jeo.;a

jd¾;d idlÉPdjg yd iudf,dapkhg ,la l< w;r wjYH

wjia:djkays§ wjYH mshjr .ekSu i|yd uq, mqrk ,§'

wNHka;r md,k ksÍlaIKh

ú.Kk j,§ y÷kd.kakd ,o .eg¿ ksjerÈ lsÍfï miq úmrï

l%ufõoh Yla;su;a lrk ,§'

úkhdkql+, lreKq iy mÍlaIK ms<sn| l,ska l,g isÿ flfrk

iudf,dapk

jxpd$wl%ñl;d wdYs%; fmdÿ isÿùï" tajd kej; we;s fkdùu i|yd

ls%hdud¾. .ekSu msKsi iudf,dapkh lsÍu'

mÍlaIK$úkh úu¾Yk läkï lsÍu i|yd Wmfoia

wpdrO¾u iy md,kh

nexl=j ;=, ls%hd;aul ukd wdh;ksl md,k mßphka lñgqj úiska

wLKavj iudf,dapkh lrk ,o w;r tys meje;au ms<sn|j wjOdrKh

lrk ,§'

óg wod<j cd;sl b;sßlsÍfï nexl=fõ jxpd wjodkï l<ukdlrK iy

fmr oekqï§fï m%;sm;a;sh nexl=fõ wLKav;djh iqrlaIs; lsÍfuys,d

jeo.;a idOl fõ' th nexl=fõ mdroDYHNdjh by< kexùu iy tys

ls%hdldrlï iy lS¾;s kduhg ydks isÿ l< yels Ndú;hka u¾okh

lsÍu i|yd jk l%ufõohla ia:dms; lsÍu fukau jxpd" ¥IK iy

fjk;a .eg¿ldÍ wjia:d l,a ;nd y÷kd.ekSu tys wruqK fõ'

wOHlaI uKav, ú.Kk lñgqj úiska ld¾;=uh moku u; ish¿u

jxpd isÿùï iudf,dapkh lrk ,§' ld¾;=uh iudf,dapkfha§ wOHlaI

uKav, ú.Kk lñgqj úiska ixLHdf,aLK f;dr;=re fukau tla

tla jxpdj ms<sn| úia;r" bka wk;=rej .kakd ,o mshjr ishqï f,i

mÍlaIdjg ,la lrk ,o w;r wjYH wjia:djkays§ jxpdfõ oKavKSh

iy ksjdrK wxY j,g wod<j ksfhda. ksl=;a lrk ,§' ´kEu

wjia:djl ´kEu uQ,sl mÍlaIKhla yd fy<sorõ lsÍula yd iïnkaO

f;dr;=re b,a,d isàfï whs;sh wOHlaI uKav, ú.Kk lñgqj i;=fõ'

YS% ,xld .sKqïlrK m%ñ;s

nexl=jg wod< kj iy ixfYdaê; YS% ,xld .sKqïlrK m%ñ;s$YS% ,xld

uQ,H jd¾;dlrK m%ñ;s wkq.ukh lsÍu ms<sn| ;SrK lñgqj úiska

iudf,dapkh yd ixfYdaOkh lrk ,o w;r ta ms<sn|j ks¾foaY

bÈßm;a lrk ,§'

wkql+,;djh

kS;s yd fr.=,dis iu. wkql+,;djh ksÍlaIKh lsÍu i|yd jk

l%ufõofha M<odhS;djh iy l<ukdldÍ;aj úu¾Yk j, m%;sM, iy

wkql+, fkdjk wjia:djkays miq úmrï ^úkhdkql+, mshjr we;=¿&

ms<sn|j lñgqj úiska iudf,dapkh lrk ,§'




2019 iy bka Tíng wjOdkh

ixlS¾K ndysr yd wNHka;r mßirhg m%;spdr oelaùu i|yd iy

idOkSh f,i ls%hd;aulùu i|yd nexl=j úiska Ndú; lrk uQ,H

moaO;s" ls%hdj,s iy wNHka;r md,k flfrys wLKav wjOdkh fhduq

lrk ,§'

nexl=j flfrys jk n,mEu we.hSu Tiafia ú.Kldêm;sjrhdf.a

iajdëk iudf,dapk u; mokïj wjYH jeäÈhqKq lsÍï isÿ lsÍu

yd ksÍlaIKh isÿ lrk ,§'

lñgqfõ we.hSu

lñgqj 2018 jir i|yd jk iajhx-;lafiarej iu. we.hSï ls%hdj,sh

iïmQ¾K l< w;r tys ld¾hidOkh M<odhS njg ;SrKh lrk ,ÿj

we.hSï m%;sM, wOHlaI uKav,h fj; oekqï§ ;sfí'

ta fla fifkúr;ak

iNdm;s

wOHCI uKav, ú.Kk lñgqj

2019 ud¾;= 14 Èk

fld<U


Wmdhud¾.sl wruqKq md¾Yjlrejka m%udKd;aul wjodkï

ftkaøSh j¾Okh m%j¾Okh lsÍu fldgiaysñlre Kh wjodku

wdo¾Yfhka fmruqK .ekSu kshdulhska iy rdcH wdh;k fj<|fmd, wjodku

wjodkï ixialD;sh Yla;su;a lsÍu .Kqfokqlrejka fufyhqï wjodku

øjYS,;d wjodku

wkql+,;d wjodku

Wmdhud¾.sl wjodku

lS¾;skduh ms<snò wjodku

ihsn¾ wjodku

jeä úia;r i|yd msgq wxl 40 isg 50 olajd

n,kak'

jeä úia;r i|yd msgq wxl 54 isg 59 olajd n,kak' jeä úia;r i|yd msgq wxl 140 olajd n,kak'



lñgqfõ ixhq;sh

wOHlaI uKav,h úiska m;a lrk ,o udkj iïm;a

yd mdßY%ñl lñgqj 2018 foieïn¾ 31 Èkg úOdhl

fkdjk wOHlaIjreka ;sfofkl=f.ka iukaú; úh'

2018 jir ;=,§ wOHlaI uKav, udkj iïm;a yd

mdßY%ñl lñgqfõ idudcsl;ajh my; mßÈ fõ'

wd¾ tï mS r;akdhl uy;d - úOdhl fkdjk$iajdëk fkdjk - iNdm;s

^2018 fkdjeïn¾ 26 isg 2019 fmnrjdß 19 olajd&

wiaúka o is,ajd uy;d - úOdhl fkdjk$iajdëk fkdjk - iNdm;s

^2015 ud¾;= 12 isg 2018 fkdjeïn¾ 12 olajd&

ã t,a mS wd¾ wfír;ak uy;d - úOdhl fkdjk$iajdëk fkdjk - idudcsl

^2015 ud¾;= 12 isg 2018 cQ,s 11 olajd&

wcs;a m;srK uy;d - úOdhl fkdjk$iajdëk fkdjk - idudcsl

^2015 fkdjeïn¾ 30 isg 2018 cQ,s 19 olajd&

wdpd¾h ã Ikauq.iqkaorï uy;d - úOdhl fkdjk$iajdëk fkdjk -

idudcsl ^2018 wf.daia;= 7 isg&

hQ Ô wd¾ wdßhr;ak uy;d - úOdhl fkdjk$iajdëk - idudcsl

^2018 wf.daia;= 31 isg&

lñgqfõ j;auka ixhq;sh iy j¾;udk idudðlhkaf.a úia;r ms<sfj,ska

154 iy 131 isg 133 olajd msgqj, we;=<;a fõ'

wdrdOkh u; ks;sm;d /iaùï j,g iyNd.S

jk ks<OdÍka

idudkHdêldÍ$m%Odk úOdhl ks<OdÍ úiska lñgqjg wjYH f;dr;=re

imhk w;r idudkHdêldÍ$m%Odk úOdhl ks<OdÍ yd iïnkaO lreKq

idlÉPd flfrk wjia:djkays§ yer wfkl=;a ish¿u /iaùï j,g iyNd.S

fõ'

wjYH;djh iy wdrdOkh u; iyldr idudkHdêldÍ ûdkj iïm;a

ixj¾Ok& iy nexl=fõ fcHIaG l<ukdldÍ;ajh /iaùï j,g iyNd.S fj;s'

lñgqfõ f,alï

wOHlaI uKav, f,alï wOHlaI uKav, udkj iïm;a ixj¾Ok yd

mdßY%ñl lñgqfõ f,alï f,io lghq;= lrhs'

/iaùï

lñgq ff;udisj meje;afjk kuq;a wjYH;djh wkqj /iaùï leòjkq ,efí'

2018 jir ;=, /iaùï 11la mj;ajd we;s w;r wOHCI uKAv, udkj iïm;a

iy mdßY%ñl lñgqfõ m%{ma;shg wkqj lñgqfõ wju >KmQ¾Kh 2$3 ls'

jir ;=, lñgq idudðlhkaf.a iyNd.S;ajh my; mßÈh'

ku iyNd.Sùug

iqÿiqlï,;a

/iaùï .Kk

iyNd.SjQ /iaùï

.Kk

wiaúka o is,ajd uy;d 10 10

wd¾ tï mS r;akdhl uy;d 01 01

ã t,a mS wd¾ wfír;ak uy;d 05 04

wcs;a m;srK uy;d 06 04

hQ cS wd¾ wdßhr;ak uy;d 05 03

wdpd¾h ã Ikauq.iqkaorï uy;d 05 04

wOHlaI uKav, udkj iïm;a yd mdßY%ñl

lñgq m%×ma;sh

wOHlaI uKav, udkj iïm;a yd mdßY%ñl lñgqj ixia:dmkh lrk

,oafoa 1988 wxl 30 ork ixfYdaê; nexl= mkf;a 76 J ^1& j.ka;sh

iy YS% ,xld uy nexl=j úiska ksl=;a lrk ,o 2007 wxl 12 ork nexl=

mk;a kshdukfha 3 ^6& (i) yd (iii) j.ka;sh hgf;a jk úêúOdk j,g

wkql+,jh' lñgqj iDcqj wOHlaI uKav,h fj; jd¾;d lrk w;r

lñgq /iaùï mámdá ks;sm;d wOHlaI uKav,h fj; jd¾;d lr we;'

m%×ma;sh wkqj lñgqfõ ld¾hNdrh iy j.lSï my; lreKq j,ska

iukaù; fõ'

iduQysl .súiqu u; ;SrKh lrkq ,nk fõ;k yer nexl=fõ

idudkHdêldÍ$m%Odk úOdhl ks<OdÍ iy m%Odk l,ukdlrK

ks<OdÍkag wod< fõ;k m%;sm;a;sh ^jegqma" §ukd iy wfkl=;a uQ,H

f.ùï& ;SrKh lsÍu lñgqfõ j.lSu fõ'

lñgqj úiska nexl=fõ idudkHdêldÍ$m%Odk úOdhl ks<OdÍ iy

m%Odk l<ukdlrK ks<OdÍka fj; b,lal iy wruqKq ,ndfok w;r

tfia ,ndÿka b,lal yd wruqK j,g idfmalaIj idudkHdêldÍ$m%Odk

wOHlaI uKav, udkj iïm;a iy mdßY%ñl lñgqfõ jd¾;dj

wOHlaI uKav, udkj iïm;a iy mdßY%ñl lñgqfõ jd¾;dj



úOdhl ks<OdÍ iy m%Odk l<ukdlrK ks<OdÍkaf.a ld¾hidOkh

l,ska l,g we.hSug ,la lrk ,o w;r fõ;k" §ukd iy

ld¾hidOkh u; mokïj wfkl=;a §ukd m%;sfYdaOkh lsÍfï moku

;SrKh lrkq ,nhs'

fcHIaG úOdhl uÜgfï ld¾h uKav,hg wod< j.ka;s yd fldkafoais

j,g wu;rj lñgqj úiska ish¿u jeo.;a udkj iïm;a m%;sm;a;s"

m%fõY iy jegqma wdlD;s iudf,dapkh lrk ,§' tys§ wjYH f;dr;=re

yd ks¾foaY nexl=fõ idudkHdêldÍ$m%Odk úOdhl ks<OdÍ iy m%Odk

l<ukdlrK ks<OdÍka fj;ska ,nd.ekSug mshjr .kakd ,§'

2018 jir ;=< ls%hdldrlï

2018 jir ;=, lñgqj iyNd.SjQ iy ls%hd;aul l, jeo.;a ls%hdldrlï

my; oelafõ'

nexl=fõ udkj iïm;a m%;sm;a;sh iy wdpdrO¾u ix.%yh

iudf,dapkh lsÍu

2017 jir i|yd m%Odk l<ukdlrK ks<OdÍkaf.a

îdudkHdêldÍ$m%Odk úOdhl ks<OdÍ" fcHIaG ksfhdacH

idudkHdêldÍ" ish¿u ksfhdacH idudkHdêldrjre" ish¿u

WmfoaYljre" m%Odk wjodkï ks<OdÍ iy wkql+,;d ks<OdÍ

yer ish¿u iyldr idudkHdêldrjre& m%Odk ld¾hidOk

o¾Yl we.hSu

nexl=fõ wjYH;djh u; mokïj fiajlhka fiajhg n|jd .ekSu"

Wiia lsÍu iy fYa%Ksh Wiia lsÍu

nexl= fkdjk Odrdfõ isg nexl= Odrdj fj; yd tys m%;sf,dauhg

wod<j ;k;=re j, isÿjk fjkialï iudf,dapkh lrk ,§'

nexl=fõ ld¾huKav, iqN idOk m%;s,dN fhdackd l%uh kej;

i,ld n,d jákdlï tl;=lsßug mshjr .ekSu'

udkj iïm; wdYs%; lreKq iïnkaOfhka ld¾h uKav,h úiska

fhduq lrkq ,enQ wNshdpkd i,ld ne,Su

úkhdkql+, ls%hdud¾. fiajl uKav, Wiiaùï flfrys we;s lrk

n,mEu iudf,dapkh lrk ,§'

n|jd.ekSfï mámdáh iudf,dapkh lsÍu

mqyqKq fiajlhka n|jd.ekSu


fõ;k m%;sm;a;s wdYs%; wod< nj nel=j úiska mj;ajdf.k hkq ,nk

njg wLKavj iy;slùu

kshqla; fiajl ixialD;shla f.dvke.Su i|yd udkj iïm;a

Wmdhud¾.hla ilia lsÍu flfrys wLKavj wjOdkh fhduq lsÍu

m%×ma;sfha oelafjk j.lSï imqrd,Su

lñgq we.hSu


iïmQ¾K l< w;r tys ld¾hidOkh M<odhS njg ;SrKh lrk ,ÿj

we.hSï m%;sM, wOHlaI uKav,h fj; oekqï § ;sfí'

wd¾ tï mS r;akdhl

iNdm;s

wOHCI uKav, udkj iïm;a iy mdßY%ñl lñgqj

2019 ud¾;= 14 Èk

fld<U

wOHlaI uKav, udkj iïm;a ixj¾Ok yd mdßY%ñl lñgqj


.Kqfokqlrejkaf.a w;aoelSï by< kexùu .kqfokqlrejka Wmhdud¾.sl wjodku

fiajl kshq;= ùu jeä ÈhqKq lsÍu fiajlhska fufyhqï wjodku

wdo¾Yfhka fmruqK .ekSu fldgiaysñlrejka lS¾;skduh ms<snò wjodku

fMkaøSh j¾Okh m%j¾Okh lsÍu kshdulhska iy rdcH wdh;k

wjodkï ixialD;sh Yla;su;a lsÍu

jeä úia;r i|yd msgq wxl 40 isg 50

olajd n,kak'

jeä úia;r i|yd msgq wxl 54 isg 59 olajd n,kak' jeä úia;r i|yd msgq wxl 140 n,kak'



lñgqfõ ixhq;sh

wOHlaI uKav,h úiska m;a lrk ,o wOHlaI

uKav, kdu fhdackd lñgqj 2018 foieïn¾ 31

Èkg úOdhl fkdjk wOHlaIjre ;sfofkl=f.ka

iukaú; úh'

2018 jir ;=,§ my; ku i|yka wOHlaIjre lñgq idudcslhka f,i

lghq;= l<y'

wks,a rdclreKd uy;d - úOdhl fkdjk$iajdëk fkdjk - iNdm;s

^2018 wf.daia;= 07 isg 2018 foieïn¾ 31 olajd&

ã t,a mS wd¾ wfír;ak uy;d - úOdhl fkdjk$iajdëk fkdjk - iNdm;s

^2017 fmnrjdß 3 isg 2018 cQ,s 11 olajd&

ta fla fikúr;ak uy;d - úOdhl fkdjk$iajdëk fkdjk - idudcsl

^2017 fmnrjdß 3 isg 2019 fmnrjdß 28 olajd

pkaÈu fyaupkaø uy;d - úOdhl fkdjk$iajdëk fkdjk - idudcsl

^2018 ckjdß 18 isg 2018 cQ,s 19 olajd&

hQ Ô wd¾ wdßhr;ak uy;d - úOdhl fkdjk$iajdëk - idudcsl

^2018 wf.daia;= 31 isg&

lñgqfõ j;auka ixhq;sh iy j¾;udk idudcslhkaf.a úia;r ms<sfj,ska



jk ks<OdÍka


imhk w;r /iaùï j,g wdrdOkh u; iyNd.Sfõ'

lñgq f,alï

wOHlaI uKav, f,alï wOHlaI uKav, kdu fhdackd lñgqfõ f,alï

f,io lghq;=

/iaùï

2018 foieïn¾ 31ka wjikajQ uQ,H j¾Ih ;=, wOHlaI uKav, kdu fhdackd

lñgq /iaùï ;=kla j;ajk ,o w;r wOHlaI uKav, kdu fhdackd lñgq

m%×ma;sh wkqj /iaùu;a i|yd wju .K mQrKh ;=fkka folls'

jir ;=< lñgq idudcsl;ajh my; mßÈ fõ'

ku iyNd.Sùug

iqÿiqlï ,;a /iaùï

.Kk

iyNd.SjQ /iaùï

.Kk



ta fla fifkúr;ak uy;d 03 03

pkaÈu fyaupkaø uy;d 02 02

hQ Ô wd¾ wdßhr;ak uy;d 01 –

wOHlaI uKav, kdu fhdackd lñgq

m%×ma;sh

1988 wxl 30 ork ixfYdaê; nexl= mkf;a 76 J (1) j.ka;sh hgf;a YS%

,xld uy nexl=fõ uqo,a uKav,h úiska ksl=;a lrk ,o 2007 wxl

12 ork nexl= mk;a kshdukfha oelafjk n,m;%,dNS úfYaIs; nexl=

j, wdh;ksl md,k ud¾f.damfoaY m%ldrj wOHlaI uKaav,h úiska

m%Ok l<ukdlrK ks<OdÍka f;aÍfï§ nexl=fõ wOHlaI uKav,fha

wëlaIKh iy md,kh iy;sl lsÍu i|yd wOHlaI uKav,h úiska

wOHlaI uKav, kdu fhdackd lñgqj ia:dms; lrk ,§'

lñgqfõ ld¾hNdrh yd j.lSu

idudkHdêldÍ$m%Odk úOdhl ks<OdÍ iy m%Odk l<ukdlrK

ks<OdÍka f;dard.ekSug$m;a lsÍug iqÿiq l%ufõohla ls%hd;aul lsÍfï

iy idudkHdêldÍ$m%Odk úOdhl ks<OdÍ iy m%Odk l<ukdlrK

ks<OdÍ ;k;=re i|yd m;a lsÍug fyda Wiiaùï ,nd§u i|yd imqrd,sh

hq;= uQ,sl iqÿiqlï" w;aoelasï iy uQ,sl .=Kdx. ;SrKh lsÍu wOHlaI

uKav, kdu fhdackd lñgqfõ j.lSu fõ'

wOHlaI uKav, kdufhdackd lñgqfõ jd¾;dj

wOHlaI uKav, kdufhdackd lñgqfõ jd¾;dj



tfiau" 3 ^3& kshdukfha i|yka lr we;s yd jHjia:d Tiafia i,id

we;s úêúOdk j,g wkql+,j wOHlaIjre" idudkHdêldÍ$m%Odk

úOdhl ks<OdÍ iy m%Odk l<ukdlrK ks<OdÍka tu ;k;=re oeÍu

i|yd iqÿiq yd fhda.H mqoa.,hla nj lñgqj úiska iy;sl lrkq

,eìh hq;=h' wu;r$kj m%ùK;d wjYH;dhka iy úY%du hk m%Odk

l<ukdlrK msßia fjkqfjka wkqm%dma;slhka ms<snòjo lñgqj l,ska

l,g i<ldnef,a'


jir ;=, lñgqj iyNd.SjQ iy ls%hd;aul l, jeo.;a ls%hdldrlï my;

oelafõ'

2018 § nexl=j i|yd fhdacs; kshñ; fiajl ixLHdj iudf,dapkh

yd wkqu; lsÍu

nexl=fõ wkqm%dma;sl ie,eiau iudf,dapkh lsÍu

nexl= fkdjk iy nexl= Odrdj, úfYaI fY%aKs ;k;=re iy m%Odk

l<ukdlrK ;k;=re i|yd iïuqL mÍlaIK meje;aùu îyldr

iudkHdêldÍ ;k;=re - úfYaI fY%aKs i|yd iïuqL mÍlaIK

wdrïN lsÍu&

wOHlaIjrekaf.a iajhx-we.hSï l%uh we.hSug ,la lsÍu


m%Odk l<ukdlrK ks<OdÍka yd iïnkaO lreKq ms<sn|j iy

kshduk wjYH;d iu. wkql+,;djh ms<sn|j iudf,dapkh lsÍu

wLKavj ksÍlaIKh lsÍu'

nexl=fõ wkqm%dma;sl ie,eiau iy ta iïnkaOfhka nexl=fõ

wkql+,;djh wLKavj ksÍlaIKh lsÍu'

m%×ma;sfha j.lSï bgq lsÍu

lñgq we.hSu


lñgqj úiska iïmQ¾K lrk ,o w;r tys ld¾hidOkh M<odhS njg

;SrKh lrk ,ÿj we.hSï m%;sM, wOHlaI uKav,h fj; oekqï§ ;sfí'

wks,a rdclreKd

iNdm;s

wOHlaI uKav, kdu fhdackd lñgqj

2019 ud¾;= 14

fld<U'

wOHlaI uKav, kdu fhdackd lñgqj


ftkaøSh j¾Okh m%j¾Okh lsÍu fldgiaysñlrejka Wmhdud¾.sl wjodku

wdo¾Yfhka fmruqK .ekSu kshdulhska iy rdcH wdh;k lS¾;skduh ms<snò wjodku

wjodkï ixialD;sh Yla;su;a lsÍu wkql+,;d wjodku

jeä úia;r i|yd msgq wxl 40 isg 50

olajd n,kak'




lñgqfõ ixhq;sh

wOHlaI uKav,h úiska m;a lrk ,o taldnoaO

wjodkï l<ukdlrK lñgqj úOdhl fkdjk

wOHlaIjreka ;sfofkl=f.ka iukaú; úh'

2018 jir ;=,§ wOHlaI uKav, taldnoaO wjodkï

l<ukdlrK lñgqfõ idudðl;ajh my; mßÈ fõ'

wOHlaI uKav, idudcslhka

ta fla fikúr;ak uy;d - úOdhl fkdjk$iajdëk fkdjk - iNdm;s

^2015 fkdjeïn¾ 30 isg isg 2019 fmnrjdß 28 olajd&

iqrx. kdjq,a,f.a uy;d - úOdhl fkdjk$iajdëk fkdjk - idudcsl

^2015 fkdjeïn¾ 30 isg 2018 foieïn¾ 31 olajd&



wOHlaI uKav, fkdjk idudcslhka

idudkHdêldÍ$m%Odk úOdhl ks,OdÍ

m%Odk wjodkï ks,OdÍ

lñgqfõ j;auka ixhq;sh iy j¾;udk idudðlhkaf.a úia;r ms<sfj,ska



iyNd.S jk ks<OdÍka

wjYH wjia:djkays§ /iaùï j,g iyNd.S jk f,ig lñgqj wfkl=;a

ksfhdacH idudkHdêldßjre" iyldr idudkHdêldßjre" wkql+,;d ks,OdÍ

iy m%Odk l<ukdldrjrekag wdrdOkh lrk ,§'

lñgq f,alï

wOHlaI uKav, f,alï wOHlaI uKav, taldnoaO wjodkï l<ukdlrK

lñgqfõ f,alï f,io lghq;= lrhs'

/iaùï

wOHlaI uKav, taldnoaO wjodkï l<ukdlrK lñgqj ld¾;=uh mokula

u; /iajk kuq;a wjYH;djh wkqj /iaùï Èk ;SrKh flf¾' 2018 j¾Ih

;=,§ wOHlaI uKav, taldnoaO wjodkï l<ukdlrK lñgqj yhj;djla

/iaj ;sfnk w;r wOHlaI uKav, taldnoaO wjodkï l<ukdlrK lñgq

m%×ma;sh wkqj /iaùula i|yd wju .K mQrKh ;=fkka folls'

jir ;=, lñgq idudcsl;ajh my; mßÈ fõ'

ku iyNd.Sùug

iqÿiqlï,;a

/iaùï .Kk

iyNd.SjQ /iaùï

.Kk

ta fla fikúr;ak uy;d 06 06

iqrx. kdjq,a,f.a uy;d 06 06


wOHlaI uKav, taldnoaO wjodkï

l<ukdlrK lñgq m%×ma;sh

1988 wxl 30 ork ixfYdaê; nexl= mkf;a hgf;a YS% ,xld uy nexl=fõ

uqo,a uKav,h úiska ksl=;a lrk ,o 2007 wxl 12 ork nexl= mk;a

kshdukfha oelafjk n,m;%,dNS úfYaIs; nexl= j, wdh;ksl md,k

ud¾f.damfoaY m%ldrj wOHlaI uKaav,h úiska wOHlaI uKav,

taldnoaO wjodkï l<ukdlrK lñgqj ia:dms; lrk ,§'

wOHlaI uKav,h úiska kshu lrk ,o úIhh lafIa;%hg my; lreKq

we;=<;a fõ'

wjodkï l<ukdlrKh iïnkaO ish j.lSu bgq lsÍfï§ yd

M,odhS wjodkï l<ukdlrK rduqjla ia:dmkh lsÍfuys,d wOHlaI

uKav,hg iyh ùu'

taldnoaO wjodkï l<ukdlrK m%;sm;a;sh iy nexl=j úiska wkqu;

lrkq ,en we;s fjk;a wjodkï wdYs%; m%;sm;a;s ls%hdjg kexùu yd

nexl=j mqrd me;sreKq wjodkï l<ukdlrK jHqyh l,ska l,g

hdj;ald,Sk lsÍu'

nexl=j uqyqK fok ish¿u Kh" fj<|fmd<" fufyhqï iy

Wmdhud¾.sl wjodku y÷kd .ekSu" ;lafiare lsÍu" ksÍlaIKh

lsÍu iy m%udKj;a mßÈ l<ukdlrKh isÿ lrk ,o njg

iy;sl ùu'

ish¿u ;SrKd;aul wjodkï lafIa;%hkays§ m%Odk l<udkdlrK

ks<OdÍka iu. iómj lghq;= lsÍu iy lñgqjg mjrd we;s n,;,

yd j.lSï jHqyh ;=, isg wOHlaI uKav,h fj; iqÿiq ks¾foaY

bÈßm;a lsÍu'

kj fufyhqï m%jK;d wdYs%; wjodkï y÷kd.ekSu" iudf,dapkh"

jd¾;dlrKh iy tu lreKq flfrys wkql+,;djh'

YS% ,xld uy nexl=j úiska ksl=;a lr we;s ndi,a III ud¾f.damfoaY

ls%hdjg kexùu yd wkql+,;djh iudf,dapkh lsÍu'

wOHlaI uKav, taldnoaO wjodkï l<ukdlrK lñgqfõ jd¾;dj




2018 jir ;=,§ wOHlaI uKav, taldnoaO wjodkï l<ukdlrK

lñgqj úiska tys m%×ma;sh iudf,dapkh lrk ,§' nexl=j iïnkaO

wjodkï yd wkql+,;d ms<sn| m%;sm;a;s" jd¾;d yd fhdackd lñgqj

úiska iudf,dapkh flfrk w;r isg n,;, j,g wh;a jk fhdackd

wOHlaI uKav, taldnoaO wjodkï l<ukdlrK lñgqj úiska wkqu;

lrkq ,nhs' wOHlaI uKav,fha mÍlaIdjg ,la úh hq;= fhdackd$jd¾;d

iïnkaOfhka wOHlaI uKav,hg ks¾foaY bÈßm;a lsÍuo isÿfõ'

wjodkï l<ukdlrKh ms<sn| mßÉfþo$ldKav" nexl=fõ

wjodkï l<ukdlrK ls%hdldrlï iy tajdfha jeo.;alu ms<sn|j

iúia;rd;aul ye|skaùula bÈßm;a lrhs' wjodkï l<ukdlrK"

wkql+,;d iy fjk;a wxY j, iyfhda.fhka wOHlaI uKav,

taldnoaO wjodkï l<ukdlrK lñgqj ish j.lSï bgq lrhsa'

2018 jir ;=, ls%hdldrlï

nexl=j flfrys whym;a f,i n,mE yels fufyhqï" Kh" fj<|fmd<"

øjYs,;djh wd§ ish¿u m%Odk wjodkï lñgqj úiska we.hSug ,la

lrkq ,nhs' wjodkï l<ukdlrKh i|yd ish jHjia:duh" Ndrldr

yd kshduk j.lSï bgq lsÍu i|yd ish m%Odk l<ukdlrK ks,OdÍka

iy wOHlaI uKav,h iu. iómj in|;djhla mj;ajdf.k hk ,§'

nexl=fõ wNHka;r ú.Kk wxYh úiska wjodkï l<ukdlrK

l%ufõofha M<odhl;ajh jd¾Islj ú.Kkh lrkq ,nhs'

jir ;=< lñgqj iyNd.S jQ iy ls%hd;aul l< jeo.;a ls%hdldrlï

my; oelafõ'

nexl=fõ wjodkï wNsreÑ" ord.ekSfï iSud ms<sn| jd¾;d iy

nexl=fõ wjodkfuys úúO me;slv ^Wod( Kh wjodku" fj<|fmd<

wjodku" fufyhqï wjodku" øjYs,;d wjodku" udkj iïm;a

wjodku" ;dlaIKsl wjodku" ihsn¾ wdrlaIK wjodku wdÈh&

ms<sn| wfkl=;a jd¾;d iudf,dapkh lsÍu'

úúO wjodkï iSud idudf,dapkh lsÍu iy wjYH wkque;sh

,nd.ekSu'

wNHka;r m%d.aOk m%udKd;aul;d we.hSï ls%hdj,sfha wka;¾.;

ú.Kk wëCIKhg ,lajQ lreKq wkqj hñka lafIa;=h ;=,

wka;¾cd;sl jYfhka ms<s.;a kHdhhka" kshduk wêldßh jk

YS% ,xld uy nexl=fõ kshduk$ud¾f.damfoaY iy wNHka;r

m%d.aOk m%udKd;aul;d we.hSï ls%hdj,sh wdYs%; wjYH;d imqrd,Su

i|yd nexl=j úiska mj;ajd.fk hkq ,nk ls%hdud¾. iy m%ñ;s j,

m%udKd;aulNdjh ms<sn| iudf,dapk'

YS% ,xld uy nexl=j úiska ish mÍlaIK j,§ bÈsßm;a lrk ,o

wëCIKhg ,lajQ lreKq (Supervisory Concerns) wduka;%Kh

lsÍu i|yd nexl=j úiska .kakd ,o ksjerÈ lsÍfï ls%hdud¾.hkays

m%.;sh ms<sn| miq úmrï lsÍu'

iïnkaê; md¾Yj j, .kqfokq" uQ,H jxpd" jxpd wjodkï

l<ukdlrKh - fmr oekqï§fï ls%hdj,sh jeks nexl=j uqyqKmdk

m%Odk .eg¿ ms<sn|j l,ska l,g ksl=;a lrk jd¾;d iudf,dapkh

lrk ,§'

nexl=fõ wkql+,;d we.hSu iy Wlia" Kh" ukj iïm;a

l<ukdlrKh" .Kqfokqlre y÷kd.ekSfï wjYH;djh wd§ nexl=fõ

m%Odk ld¾hhka iy wkql+,;d ;lafiare ms<sn| iudf,dapkh'

ndi,a III m%ñ;s iu. nexl=fõ wkql+,;d uÜgu iudf,dapkh lsÍu

iy wLKavj ksÍlaIKh lsÍu'

wkql+,;d jevigyk iy wkql+,;d w;afmd; ms<sn| jd¾Isl

iudf,dapkh


id¾j yd laIqø idOl" fj<|fmd," foaYSh yd úfoaYSh wjodkï

idOl ms<sn| wLKav wjOdkh

nexl=fõ wjodkï yd wkql+,;d Wmdhud¾. ls%hdjg kexùu

iïnkaOfhka wLKav wëlaIKh

wjodkï l<ukdlrK lafIa;%h ;=, foaYSh fukau cd;Hka;r

m%jK;d ;lafiare lsÍu'

äðg,alrKh lrd .uka lrk ihsn¾ wjodku nexl=jla jYfhka

wLKavj ls%hd;aul ùu'

fj<|fmd< keñhdjkag .e<fmk mßÈ fjkiajk kshduk wjYH;d

iy wjodkï l<ukdlrKh iy wkql=,;djh flfrys jk nexl=fõ

m%fõYh flrys wLKavj wjOdkh fhduq lsÍu'




lñgq we.hSu


lñgqj úiska iïmQ¾K lrk ,o w;r tys ld¾hidOkh M,odhS njg


ta fla fifkúr;ak

iNdm;s


2019 ud¾;= 14

fld<U§'



.kqfokqlrejkaf.a w;a±lSï by< kexùu .Kqfokqlrejka Kh wjodku

fiajl kshq;= ùu jeä ÈhqKq lsÍu fiajlhska fjf<| wjodku

wjodkï ixialD;sh Yla;su;a lsÍu fldgia ysñhka fufyhqï wjodku

fMkaøSh j¾Okh m%j¾Okh lsÍu kshdulhska iy rdcH wdh;k øjYS,;d wjodku

wdo¾Yfhka fmruqK .ekSu jHdmdr yjq,alrejka wkql+,;d wjodku

iudch iy mßirh lS¾;skduh ms<snò wjodku

Wmdhud¾.sl wjodku

ihsn¾ wjodku

wúksYaÑ; wjodku

wdlD;s wjodku

jeä úia;r i|yd msgq wxl 40 isg

50 olajd n,kak'




lñgqfõ ixhq;sh

wOHlaI uKav, Kh lñgqj 2018 foieïn¾ 31

Èkg úOdhl fkdjk wOHlaIjreka

;sfofkl=f.ka iukaú; úh'

2018 jir ;=<§ wOHlaI uKav, Kh lñgqfõ idudðl;ajh my; mßÈ fõ'




^2017 fmnrjdß 3 isg 2018 fkdjeïn¾ 12 olajd&



wð;a m;srK uy;d - úOhl fkdjk$iajdëk fkdjk - idudðl

^2017 wf.daia;= 14 isg 2018 cQ,s 19 olajd&

iqrx. kdW,a,f.a uy;d - úOdhl fkdjk$iajdëk fkdjk idudðl


hQ'Ô'wd¾' wdßhr;ak uy;d - úOdhl fkdjk$iajdëk - idudðl

^2018 wf.daia;= 31 isg&




jk ks<OdÍka

idudkHdêldÍ$m%Odk úOdhl ks<OdÍ" ksfhdacH idudkHdêldÍ ^Kh& iy

ksfhdacH idudkHdêldÍ ^YdLd Kh& wdrdOkh u; lñgqfõ /iaùï j,g

iyNd.S jQy'

lñgq f,alï

wOHlaI uKav, f,alï wOHlaI uKav, Kh lñgqfõ f,alï f,io

lghq;= lrhs'

/iaùï

2018 foieïn¾ 31 Èfkka wjika jQ j¾Ih ;=<§ wOHlaI uKav, Kh

lñgq y;la mj;ajd ;sfí' tla /iaùula i|yd .KmQrKh idudðlhka

fofofkls'

jir ;=, lñgq idudcsl;ajh my; mßÈ fõ'

ku iyNd.Sùug

iqÿiqlï,;a

/iaùï .Kk

iyNd.SjQ

/iaùï

.Kk



wð;a m;srK uy;d 05 04

iqrx. kdW,a,f.a uy;d 02 02

hQ'Ô'wd¾' wdßhr;ak uy;d 01 01

lñgq m%×ma;sh

1988 wxl 30 ork ixfYdaê; nexl= mkf;a 76 J (1) j.ka;sh hgf;a

YS% ,xld uy nexl=fõ uqo,a uKav,h úiska ksl=;a lrk ,o 2007 wxl


j, wdh;ksl md,k ud¾f.damfoaY iy 1971 wxl 30 ork cd;sl

b;sßlsÍfï nexl= mk; yd tys ixfYdaOk m%ldrj nexl=fõ Kh

m%;sm;a;sh iy wdfhdack m%;sm;a;sh ms<sn|j yd tys ixfYdaOk l,ska

l,g iudf,dapk isÿ lsÍu iy wjYH wjia:djkays§ mjrk ,o wkqu;

lsÍfï n,;, j,g hg;aj Kh myiqlï yd wdfhdack wkqu; lsÍfuys

kshqla; ùu i|yd wOHlaI uKaav,h úiska wOHlaI uKav, Kh lñgqj

ia:dms; lrk ,§'

lñgqfõ ld¾hNdrh iy j.lSï

m%;sm;a;s" mámdá iy fjk;a ta wdYs%; m%;sm;a;s uÜgfï f,aLK

we;=¿ Kh yd wdfhdackh yd iïnkaO nexl=fõ Wmdh ud¾.sl wruqKq

iudf,dapkh lsÍu yd ks¾foaY lsÍu isÿ lrhs'

ukd Yla;su;a iy ys;lr Kh wjodkï ms<s.ekSula iy l<ukdlrK

ixialD;shla m%j¾Okh lsÍu i|yd nexl=fõ Kh m%;sm;a;sh iy

wdfhdack m%;sm;a;sh wdYs%;j ld¾hlaIu yd M,odhS l<ukdlrKhla

mj;ajd .ekSu ;=,ska wOHlaI uKav,hg iyhùu'

j;alï yd j.lSï l<ukdlrK lñgqfõ ks¾foaYhg wkql+,j Kh yd

w;a;sldrï iy wdfhdack j, ñ,lrKh wkqu; lrk w;r ta ms<sn|

Wmfoia ,nd fohs'

nexl=fõ Kh wxYhg wod<j iqÿiq wjodkï l<ukdlrK l%ufõo

ls%hdjg kexùu iy wNHka;r md,k iy l<ukdlrK f;dr;=re

moaO;s Yla;su;a lsÍu isÿ lrhs'

wOHCI uKAv, Kh lñgqfõ jd¾;dj

wOHCI uKAv, Kh lñgqfõ jd¾;dj




nexl=fõ Kh yd wfhdack j, ÈYdk;sh iïnkaOfhka ld¾hlaIu

yd M,odhS ld¾hidOkhla iy;sl lsÍu i|yd nexl=fõ Kh §fï yd

wfhdack m%;sm;a;s iy wjodkï wNsreÑhg wkql+,j wOHlaI uKav,fha

wkque;sh wjYH jk Kh yd wdfhdack fhdackd iy wfkl=;a ksYaÑ;

jd¾;d lñgqj úiska wkqu; lrk ,§'


wjodkï wNsreÑhg u. mdok w;ru ys;lr Kh fmd;la yd

wdfhdack fmd;la mj;ajd .ekSu'

nexl=fõ Kh wxYhg wod<j ls%hdldÍ wjodkï l<ukdlrKh"

wNHka;r md,k iy l<ukdlrK f;dr;=re moaO;s Yla;su;a lsßu'

wOHlaI uKav,h úiska wkqu; iSudjka fldrys jk wkql+,;djh

ms<sn| wLKav wëlaIKh

lñgq we.hSu




wd¾ tï mS r;akdhl

iNdm;s

wOHlaI uKav, taldnoaO Kh lñgqj

2019 ud¾;= 14

fld<U§'

wOHlaI uKav, Kh lñgqj


mdßfNda.sl w;aoelsSï by< kexùu .Kqfokqlrejka Wmhdud¾.sl wjodku

fMkaøSh j¾Okh m%j¾Ok lsÍu fldgia ysñlrejka Kh wjodku

wdo¾Yfhka fmruqK .ekSu kshdulhska iy rdcH wdh;k wkql+,;d wjodku

wjodkï ixialD;sh Yla;su;a lsÍu


n,kak'




lñgqfõ ixhq;sh

2018 foieïn¾ 31 Èkg wOHlaI uKav, f;dr;=re

;dlaIK kshduk lñgqj úOdhl fkdjk

wOHlaIjreka ;sfofkl=f.ka iukaú; úh'

2018 jir ;=,§ wOHCI uKav, f;dr;=re ;dCIK kshduk lñgqfõ

idudðl;ajh my; mßÈ fõ'




^2017 fmnrjdß 3 isg 2018 fkdjeïn¾ 12 olajd&

ã t,a mS wd¾ wfír;ak uy;d - úOdhl fkdjk$iajdëk fkdjk - idudcsl





^2018 Tlaf;dan¾ 26 isg 2018 foieïn¾ 31 olajd&

fIydrd chj¾Ok ñh - úOdhl fkdjk$iajdëk fkdjk - idudcsl

^2018 Tlaf;dan¾ 26 isg 2018 fkdjeïn¾ 12 olajd&




iyNd.S jk ks<OdÍka


iïmdokh lrk w;r wdrdê;fhla jYfhka ish¿ lñgq /iaùï j,g

iyNd.S úh'

iyldr idudkHdêldÍ ^f;dr;=re ;dlaIK& iy m%Odk f;dr;=re wdrlaIK

ks<OdÍ o wdrdOkh u; /iaùï j,g iyNd.S fj;s'

lñgq f,alï

wOHlaI uKav, f,alï wOHlaI uKav, f;dr;=re ;dlaIK kshduk

lñgqfõ f,alï f,io lghq;= lrhs'

/iaùï

2018 foieïn¾ 31 Èfkka wjikajQ uq,H j¾Ih ;=,§ wOHlaI uKav,

f;dr;=re ;dlaIK kshduk lñgq /iaùï ;=kla mj;ajd ;sfnk w;r tla

/iaùula i|yd .K mQrKh ;=fkka folls'

jir ;=,§ lñgq idudcsl;ajh /iaùï j,g iyNd.SjQ wdldrh my; mßÈ fõ'

ku iyNd.Sùug

iqÿiqlï,;a

/iaùï .Kk

iyNd.SjQ

/iaùï

.Kk





fIydrd chj¾Ok ñh 01 -

lñgq m%×ma;sh

1988 wxl 30 ork ixfYdaê; nexl= mkf;a 76 J (1) j.ka;sh hgf;a

YS% ,xld uy nexl=fõ uqo,a uKav,h úiska ksl=;a lrk ,o 2007 wxl


j, wdh;ksl md,k ud¾f.damfoaY m%ldrj wOHlaI uKaav,h úiska

wOHlaI uKav, f;dr;=re ;dlaIK kshduk lñgqj ia:dms; lrk ,§'

f;dr;=re ;dlaIKh flfrys nexl=j úiska úYajdih ;nkq ,eîu

iy;sl lsÍu iy f;d;r=re yd ikaksfõok ;dlaIKhg wkql+,j

nexl=fõ Wmdhud¾.sl wruqKq wëlaIKh lsÍu i|yd wOHlaI uKav,

f;dr;=re ;dlaIK kshduk lñgqj ia:dms; lrk ,§ '

lñgqfõ ld¾hhka iy j.lSï

kdhl;aj iyh" fufyhqï jHqyh yd nexl=fõ f;dr;=re ;dlaIK

l%ufõoh" jákdlï fnodyeÍu" f;dr;=re ;dlaIK wjodkï

l<ukdlrKh" iïm;a l<ukdlrKh yd ld¾hidOk l<ukdlrKh

iy;sl lsÍu i|yd f;dr;=re ;dlaIK md,k jHqy ia:dmkh lsÍu yd

wëlaIKh lsÍu isÿ lsÍu'

nexl=fõ f;dr;=re ikaksfõok ;dlaIK moaO;Skays jHdmdr

wLKav;djh iy M,odhl;ajh ;yjqre lsÍu'

YS% ,xld uy nexl= Wmfoia yd wka;¾cd;sl hymßphkag wkql+,j

f;dr;=re ;dlaOK moaO;s j, iqrlaIs;Ndjh ms<sn| m%udKj;aNdjh yd

M,odhl;ajh iy;sl lsßu'

wOHCI uKav, f;dr;=re ;dlaIK Wmdhud¾.sl lñgqfõ jd¾;dj

wOHCI uKav, f;dr;=re ;dlaIK Wmdhud¾.sl lñgqfõ jd¾;dj



2018 jir ;=,§ lñgqj iyNd.SjQ ls%hdldrlï

nexl=fõ Wmdh ud¾. ld¾hlaIuj yd M,odhS wdldrfhka ls%hdlaul

lsÍu iy;sl lrkq jia nexl=lrK lghq;= ke.S tk ;dlaIKsl l%ufõo

iu. jvd jvd iïnkaO lsÍfï yelshdj ,ndfoñka f;dr;=re ;dlaIK

há;, myiqlï jeäÈhqKq lsÍu i|yd wOHlaI uKav,h úiska m%;sm;a;s

wkqu; lrkq ,en we;' tfiau" lñgqj .Kqfokqlrejkaf.a o;a;

wdrlaIKh i|yd wjYH ish¿u m%;sm;a;s yd l%ufõo l%hdjg kxjd

we;s njg iy;sl fõ'

2019 yd bka Tíng wjOdkh

ihsn¾ wdrlaIdj yd wod< lreKq j,§ fmruqK .ekSu flfrys

wLKav wjOdkh

Yla;su;aNdjfha m%Odk ld¾hhla f,i f;dr;=re ;dlaIK md,k

jHqy mj;ajdf.k hdu'

fkdueÈy;aùu iy j¾Okfha ia:dkSh w.h wdrlaId lr.ekSu i|yd

kfjda;amdok yd fj<|fmd, úp,khka wLKavj ksÍlaIKh lsÍu'

lñgq we.hSu




wd¾ tï mS r;akdhl

iNdm;s

wOHlaI uKav, f;dr;=re ;dCIK kshduk lñgqj

2019 ud¾;= 14

fld<U'

wOHlaI uKav, f;dr;=re ;dlaIK kshduk lñgqj


.kqfokqlrejkaf.a w;aoelsSï by< kexùu .Kqfokqlrejka Wmdhud¾.sl wjodku

wjodkï ixialD;sh Yla;su;a lsÍu fiajlhka ihsn¾ wjodku

fMkaøSh j¾Okh m%j¾Ok lsÍu fldgia ysñlre lS¾;skduh ms<snò wjodku

wdo¾Yfhka fmruqK .ekSu kshdulhska iy rdcH wdh;k wkql+,;d wjodku

wdlD;s wjodku

fufyhqï wjodku


n,kak'




cd;sl b;sßlsÍfï nexl=j tys fufyhqï fya;=fjka mek k.sk uQ,H

fukau uQ,H fkdjk wjodkï j,g uqyqK fohs¡ tneúka" tla mfilska

.kqfokqlrejkaf.a iy wdfhdaclhkaf.a wNs,dI idlaId;a lsÍu iy

wfkla mfika kqnqkaj;aNdjh wdrlaId lr.ekSu w;r ;=,s;;djhla

we;s jk whqßka fuu wjodkï l<ukdlrKh lsÍu cd;sl b;sßlsÍfï

nexl=fõ iuia; mrud¾:h fõ¡

wjodkï l<ukdlrKh cd;sl b;sßlsÍfï nexl=jg muKla iSud

fkdjk w;r tys mQ¾K mßmd,s; Wmiud.u jk NSB *kaâ

uefkaÊukaÜ iud.u lrdo úyso hhs¡ fuu Wmiud.u m%d:ñl .kqfokq

wdYs%; ls%hdldrlïys ksr; fõ¡ cd;sl b;sßlsÍfï nexl= iuQyfha

fufyhqï j, m%udKd;aulNdjh ie,ls,a,g .ksñka m%Odk jYfhka

nexl=fõ wjodkï l<ukdlrKh ms<sn|j fuu jd¾;dfjka lreKq

ú.%y flf¾¡ ^nexl=j taldnoaO j;alï i|yd 98¡6] la iy taldnoaO

m%d.aOkh i|yd 97¡7] l odhl;ajhla ,ndfohs¡& fjkiajk jHdmdßl

mßirh" jvd M,odhS m%fõY iy kshduk wfmalaId wdYs%;j ielfik

wjodkï l<ukdlrK ld¾hrduqj Tiafia nexl=j fuu wjodkï

l<ukdlrKh lrhs¡

wjodkï l<ukdlrK ld¾hrduqj

cd;sl b;sßlsÍfï nexl=fõ wjodkï l<ukdlrK ld¾hrduqj"

wjodkï l<ukdlrKh Wfoid Wmdhud¾." m%;sm;a;s iy l%ufõo ksis

mßÈ iïmdokhg iy ls%hd;aul lsÍug wjia:dj Wodlr fohs¡ wjodkï

l<ukdlrKfha ysñlu yd j.lSu fufyhqïys ksr; ish¿fokd fj;

mejf¾¡ ukd wdh;ksl md,k uQ,O¾u iu. noaOjQ —;s%;aj wdrlaIl

wdlD;sh˜ (Three Lines of Defence) hk ixl,amh nexl=fõ wjodkï

l<ukdlrK ld¾hrduqj ks¾udKh lrhs¡

my; oelafjk m%Odk f,aLk úiska nexl=fõ wjodkï l<ukdlrK ld¾hrduqj Yla;su;a lrkq ,nhs(

Wmdhud¾.sl jHdmdr ie,iau

(Strategic Business Plan – SBP) Wmdhud¾.sl jHdmdr ie,iau" nexl=fõ Wmdhud¾.sl wNs,dI ls%hdjg kexùu i|yd jk m%fõYh leá

lr olajhs¡ wLKav f;jirl ld,iSudjla i|yd ie,eiau ilia lr ;sfnk w;r" th ls%hdjg kexùu

Tiafia mek k.sk m%udKd;aul wjodkï tu.ska ms<sônq fõ¡

wjodkï wNsreÑ m%ldYh

(Risk Appetite Statement – RAS) wOHlaI uKav,h úiska ms<s.ekSug iQodkï wjodkï j¾. iy mßudKh ^wjodkï wNsreÑh& fukau

nexl=j ord.; hq;= Wmßu wjodkï uÜgu ^wjodku ord.ekSfï yelshdj& wjodkï wNsreÑ m%ldYfhka

meyeÈ,s flf¾¡

wjodkï l<ukdlrK m%;sm;a;s ld¾hrduqj

(Risk Management Policy Framework)wjodkï l<ukdlrK m%;sm;a;s ld¾hrduqj" nexl=fõ wjodkï l<ukdlrK m%fõYh ú.%y lrk

w;r nexl=j tys Wmdhud¾.sl b,lal ch.ekSu i|yd nexl=fõ iuia; fufyhqï wdjrKh jk mßÈ

mq¿,a wjodkï l<ukdlrKhla iy;sl lrkafka flfiao hkak meyeÈ,s lrhs¡

wjodkï l<ukdlrK m%;sm;a;s ld¾hrduqj my; oelafjk m%;sm;a;s j,ska iukaú; fõ¡

taldnoaO wjodkï l<ukdlrK m%;sm;a;sh

Kh wjodkï l<ukdlrK m%;sm;a;sh

fj<|fmd, yd øjYS,;d wjodkï l<ukdlrK m%;sm;a;sh

fufyhqï wjodkï l<ukdlrK m%;sm;a;sh

wjodkï l<ukdlrK fy<sorõ lsÍfï m%;sm;a;sh

wd;;s mÍlaIK m%;sm;a;sh

wNHka;r m%d.aOk m%udKd;aulNdjh ;lafiare lsÍfï ls%hdj,sh ms<sn| m%;sm;a;sh

wjodkï l<ukdlrKh

wjodkï l<ukdlrKh



Kh" fjf<|fmd<" øjYS,;djh" fufyhqï" wkql+,;djh" lS¾;s

kduh iy Wmdhud¾. jeks mq¿,a mrdihl u;=úh yels yd mj;sk

m%udKd;aul wjodkï lafIa;% rdYshla wdjrKh lsÍu i|yd taldnoaO

l%ufõohla wkq.ukh lrñka wjodkï l<ukdlrK ld¾hrduqj

uQ,sl wjodkï j¾. iy tu wjodkï l<ukdlrKh i|yd jk m%fõYh

wjodkï l<ukdlrK ld¾hrduqj

wjodkï wNsreÑ f,aLkh Wmdhud¾.sl jHdmdr ie,eiau

wjodkï l<ukdlrK m%fõYh

md,kh ixialD;sh m%;sm;a;s iy l%ufõo há;, myiqlï

m%Odk wjodkï lafIa;%

Kh fj<|fmd, øjYS,;djh fufyhqï wkql+,;djh lS¾;skduh Wmdhud¾.

u;=fjñka ;sfnk wjodkï

ihsn¾ wjodku kshduk wdlD;s wúksYaÑ;

igyk 1

ls%hd;aul flf¾¡ tys§ tu tla tla lafIa;%h i|yd iqÿiq mßÈ md,k

l%ufõo ia:dms; flf¾¡ ta wkqj" wjodkï l<ukdlrK ixialD;sh

Tiafia n,.ekafjk m%;sm;a;s" l%ufõo iy há;, myiqlï iu. mq¿,a

wjodkï l<ukdlrK ld¾hrduqjla iuia; nexl=j wdjrKh jk

mßÈ ls%hdjg kexfõ¡

wjodkï l<ukdlrKh



md,kh

cd;sl b;sßlsÍfï nexl=j tys wjodkï l<ukdlrK mßphka by<

md,k m%ñ;shla ms<sônq lrk nj iy;sl lsÍu i|yd lemù isà¡

th" wOHlaI uKav,hg iy fcHIaG l<ukdldÍ;ajhg M,odhSj yd

úplaIKYS,Sj wjodku oeÍug WmldÍ fõ¡ wOHlaI uKav,h md,k

ld¾hrduqfõ by<u uÜgfï ls%hd;aul fjhs¡ wOHlaI uKav, taldnoaO

wjodkï l<ukdlrK md,k jHqyh

wOHl

aI u

Kav, w

ël

aIK

hwjodk

ug

wk

qrEm

j i

lik

,o l

d¾hidO

kh

wjodkï jd¾;d lsÍu

iy md,kh

idudkHdêldÍ$m%Odk

úOdhl ks,OdÍ

úiska wjodkug wkqrEmj ilik

,o ld¾hidOkh ksÍlaIKh iy

l<ukdlrKh lrkq ,nhs

iy;sl ùu

wNHka;r ú.Kkh

iy;sl

ùu

wOHlaI uKav, wjodkï

l<ukdlrK lñgqj

wjodkï wNsreÑ m%ldYh ilia lrhs

nexl=fõ iuia; wjodkï wdYs%; ,dNh

iudf,dapkh lrhs

wjodkï l<ukdlrK ld¾hrduqj wkqu; lrhs

m%udKd;aul wjodku i|yd wjYH wju md,k

wkqu; lrhs


nexl=fõ md,k ld¾hrduqfõ m%udKd;aulNdjh

iy M,odhS;djh i,ld n,h

nexl=fõ md,k .eg¿ ms<sn| jd¾;dj

iudf,dapkh lrhs

uQ,H jd¾;dlrKfha wLKav;djh

iy;sl lrhs

wOHlaI uKav,h

iuia; wjodkï wNsreÑh wkqu; lrhs'

nexl=fõ md,k ld¾hrduqfõ m%udKd;aulNdjh

yd M,odhS;djh ;lafiare lrhs

l<ukdlrK iy;sl lsÍfï ls%hdj,sh

;lafiare lrhs

fufyhqï wjodkï l<ukdlrK lñgqj

igyk 2

wjodkï l<ukdlrK lñgqj (Board Integrated Risk Management Committee) úiska nexl=fõ wjodkï l<ukdlrK

ld¾hrduqj wëlaIKh lrkq ,nk w;r wOHlaI uKav,g i,ld

ne,Su mssKsi nexl=fõ wjodkï wNsreÑh ilia lrkq ,nhs¡ wjodkï

wNsreÑ m%ldYh" m%;sm;a;s" n,h mejÍu iy lñgq jHqyh Tiafia isÿ

flfrk nexl=fõ fufyhqï yd ld¾hhka wdjrKh flfrñka nexl=fõ

wjodkï md,kh mq¿,aj úys§ hhs¡

f;dr;=re ;dlaIK wdrlaIK lñgqj

wdfhdack lñgqj

Kh lñgqj

j;alï yd j.lSï l<ukdlrK lñgqj

wdh;ksl l<ukdlrK lñgqj

wjodkï l<ukdlrKh



wOHlaI uKav,h nexl=fõ fcHIaG l<ukdldÍ;ajh úiska" nexl=j uqyqKfok úúO wjodkï l<ukdlrKh lsÍu i|yd taldnoaO

ld¾hrduqjla ilia lrk ,o nj" wNHka;r m%;sm;a;s ksis mßÈ ia:dms; lr we;s nj yd tajdg wkql+, ù we;s nj

wOHlaI uKav,h" ish wjodkï wëlaIK N+ñldj Tiafia iy;sl lrhs¡

wOHlaI uKav,h nexl=fõ iuia; wjodkï wNsreÑh wkqu; lrhs¡ tfiau" th wLKavj fhda.H jk nj;a ish¿

wdldrfha wjodkï" fjf<|fmd< iy id¾j wd¾Ól ;;a;ajhka ms<sônq lrk nj;a iy;sl lrk w;ru th

ls%hd;aul lrk wdldrh wëlaIKh lrhs¡

;jo" ukd wNHka;r md,khla iy;sl lsÍfï ld¾hrduqjla nexl=j ;=, mj;sk nj wOHlaI uKav,h úiska

iy;sl lrkq ,nk w;r wjodku ms<sn| oekqj;aNdjh iy wjodku mokï lr.;a ;SrK .ekSfï ls%hdj,shla

nexl=j ;=, ks¾udKh lsÍu i|yd wjYH mshjr .ekSfï j.lSuo wOHlaI uKav,h fj; mejf¾¡

wOHlaI uKav, taldnoaO

wjodkï l<ukdlrK lñgqj

wOHlaI uKav, taldnoaO wjodkï l<ukdlrK lñgqj" wOHlaI uKav,h fj; M,odhS wjodkï l<ukdlrK

ld¾hrduqjla ks¾foaY lsÍu Tiafia Bg mejÍ we;s wjodkï wdYs%; j.lSï imqrd,Su i|yd wOHlaI uKav,hg

iydh fjhs¡ wjodkï wNsreÑh ia:dms; lsÍu iy wNHka;r m%d.aOk m%udKd;aulNdjh ;lafiare lsÍfï ls%hdj,sh

(Internal Capital Adequacy Assesment Process –ICAAP) ks¾foaY lsÍu wOHlaI uKav, taldnoaO wjodkï

l<ukdlrK lñgqfõ m%Odk ld¾hNdrh fõ¡

wjodkï l<ukdlrK ld¾hrduqj iu. nexl=j wkql+, jk wdldrh wOHlaI uKav, taldnoaO wjodkï

l<ukdlrK lñgqj úiska ksÍlaIKh lrkq ,nhs¡ tfiau ish¿u l<ukdlrK lñgqj, m%uKj;aNdjh"

kshduk wêldßh iu. isÿ flfrk jeo.;a ikaksfõok lghq;= iy nexl=fõ wjodkï me;slv lñgqj úiska

iudf,dapkhg ,la lrkq ,nhs¡

wOHlaI uKav, ú.Kk lñgqj nexl=j wjodkï l<ukdlrKh i|yd fhdod.kakd m%;sm;a;s iy mßphka wOHlaI uKav, ú.Kk lñgqj úiska

újdohg ,la lrkq ,nhs¡ tfiau lñgqj" wNHka;r md,k ls%hdj,Ska iy wNHka;r ú.Kk ld¾hfha M<odhS;djh

iy ld¾hlaIu;djh ksÍlaIKh lrhs¡

lñgqj f;dr;=re j, mQ¾K;ajh iy iqÿiq .sKqïlrK m%;sm;a;s Ndú;h iy;sl lrk w;r ffk;sl fyda

kshduk wkql+,;d .eg¨ ksÍlaIKh lrhs¡ th w;=re iy jir wjidk uQ,H m%ldY" m%ldYhg m;a lsÍug m%:u

wOHlaI uKav, wkque;sh i|yd ks¾foaY lrhs¡ ndysr ú.Kljre wOHlaI uKav, ú.Kk lñgqj fj; ish

fidhd.ekSï jd¾;d lrhs¡

l<ukdlrK lñgq Kh lñgqj" j;alï yd j.lSï l<ukdlrK lñgqj" wdfhdack lñgqj" fufyhqï wjodkï l<ukdlrK lñgqj

we;=¿ l<ukdlrK lñgq m%Odk wjodkï l<ukdlrKh i|yd iDcqju odhl fjhs¡

wfkl=;a l<ukdlrK lñgq jk f;dr;=re ;dlaIK kshduk lñgqj" wdh;ksl l<ukdlrK lñgqj"

ld¾hidOk iudf,dapk lñgqj" wf,úlrK lñgqj" ksuejqï ixj¾Ok lñgqj" udkj iïm;a lñgqj" ls%hdldÍ

ie,eiau iudf,dapk lñgqj" f;dr;=re ;dlaIK iudf,dapk iy f;dr;=re ;dlaIK wdrlaIK lñgqj" nexl=

YdLd fufyhqï kshduk lñgqj iy wdh;ksl m%iïmdok lñgqj u.ska udkj iïm;" ls%hdj,s" moaO;s iy ndysr

wjodkï idOl fj;ska nexl=jg we;s jk m%udKd;aul wjodku l<ukdlrKh lrhs¡

wjodkï ysñlu iïnkaOfhka j.ùu iy;sl lrk j.ùu wdYs%;

;s%;aj wdrlaIl wdlD;sh nexl=j úiska Ndú; lrkq ,nhs¡ mQ¾K wjidk

jákdlï iuQyhla b,lal lr.;a m%Yia; §¾> ld,Sk iy wjodku u.ska

m%;s,dN ckkh flfrk wdldrfha ;SrK .ekSu i|yd jHdmdrh uekúka

ia:dk.;j we;s nj fuu wdlD;sh úiska y÷kd.efka¡ wjodku iy

wkql+,;djh jHdmdr ysñhkag wjodku l<ukdlrKh lr.ekSfuys,d

wjYH uÕfmkaùu" Wmfoia yd iy;slhla imhk w;r ú.Kkh wOHlaI

uKav,h fj; iajdëk iy;slhla ,ndfohs¡

kshduk wêldÍka iy ndysr ú.Kljre wNHka;r md,k iy wjodkï

l<ukdlrKh ld¾hrduqj Yla;su;a lsÍu i|yd jákd Wmfoia ,ndfok

w;r th nexl=fõ md¾Yajlrejka fj; iemfhk w;sf¾l iy;slhla f,i

y÷kajdÈh yelsh¡

wjodkï l<ukdlrKh



wjodkï l<ukdlrKfha ;s%;aj wdrlaIK

m<uq wdrlaIK ia:rh fojk wdrlaIK ia:rh f;jk wdrlaIK ia:rh

jHdmdr tall

YdLd$fufyhqï wxY

ish jHdmdßl lafIa;% wdYs%;j mj;akd

wjodkï y÷kd.ksñka tajd wduka;%Kh

lsÍug fukau ukd md,k l%ufõo

ls%hd;aul jk mßirhl lghq;= lsÍugo

j. fõ'

YdLd$fufyhqï wxY j, fiajfha kshq;=

ish¿ ld¾huKav, Tjqka úiska orkq ,nk

wjodkï ms<sn|j oekqj;a$j.lshk w;r

wNHka;r md,k$wjodkï l<ukdlrK

mßphka iu. wkql+, fjhs'

wjodkï l<ukdlrK iy wkql+,;djh

wjodkï l<ukdlrK wxYh

wjodkï l<ukdlrK ld¾hrduqj ilia

lsÍfuys kshq;= wjodkï wëlaIK wxYh

f,i lghq;= lrhs'

wkql+,;d wxYh nexl=fõ jHdmdßl

fufyhqï j,g wod< kS;s" Í;s iy

fr.=,dis iu. wkql+, jk wdldrh

wëlaIKh lrhs'

^wjodkï l<ukdlrK wxYh iy wkql+,;d

wxYh iajdëkj wOHlaI uKav, taldnoaO

wjodkï l<ukdlrK lñgqjg$wOHlaI

uKav,hg jd¾;d lrhs'&

wNHka;r ú.Kkh

wNHka;r ú.Kk wxYh

wjodkï l<ukdlrK mßphka"

wkql+,;d ld¾h iy wNHka;r md,k

l%ufõo ls%hd;aul lsÍu iïnkaOfhka

iajdëk yd ffoksl ú.Kk meje;aùu

Tiafia wNHka;r md,k l%ufõo"

wjodkï l<ukdlrK ld¾h iy

wkql+,;d ld¾h ms<sn| m%udKj;aNdjh

iy;sl lrhs'

^wNHka;r ú.Kk wxYh ish

fidhd.ekSï wOHlaI uKav, ú.Kk

lñgqj u.ska wOHlaI uKav,h fj;

jd¾;d lrhs'&

igyk 3

wjodkï ixialD;sh

ksYaÑ; Í;s" fr.=,dis iy fjf<|fmd< ms<sn| mqfrdal;k fkdue;s

wjia:dj,§ wjodkï wjfndaO lr.ekSu iy ukd úksYaphlg t<öu

i|yd fiajd kshqla;slhka ;=< we;s lrk jákdlï" l=i,;d iy Ndú;

iuQyhla wjodkï ixialD;sh hkqfjka y÷kajdÈh yelsh' ish¿ uÜgï

j,g wh;a fiajd kshqla;slhka úiska wod< jHdmdßl fufyhqï j,§

mek k.sk wjodkï y÷kd.kq ,nhs' wjodkï ixialD;sh" wjodku

iy M, w;r ;=,kh iy wjodkï yd m%d.aOk uÜgï l<ukdlrKh

iy;sl lsÍu i|yd Wmldr jk m%Odk idOlhla fõ'

wjodkï m%;sm;a;s iy l%ufõo

tla tla m%udKd;aul wjodku l<ukdlrKh lr.ekSu i|yd wjodkï

l<ukdlrK ld¾hrduqj iy fufyhqï uÜgfï m%;sm;a;s iy l%ufõo

ud¾f.damfoaYl;ajh imhhs'

m%udKd;aul wjodkï y÷kd.ekSu iy ;lafiare lsÍu" wjodkï

wNsreÑh iy m%udKd;aul wjodkï ord.ekSu m%udKkh lsÍu iy

nexl=jg ord.; fkdyels wjodkï m%;sM, j¾. meyeÈ,sj wjfndaO

lr.ekSu i|yd Ndú; l< hq;= uQ,O¾u yd Ndú;hka taldnoaO

wjodkï l<ukdlrK ld¾hrduqj u.ska leáfldg olajhs'

há;, myiqlï

m%udKd;aul wjodkï j¾. l<ukdlrKh lsÍu i|yd wjYH jk

w;HdjYH moaO;s" ls%hdj,s iy l=i,;d úiska wjodkï l<ukdlrK

ld¾hrduqj Yla;su;a lrkq ,nhs'

m%Odk wjodkï l<ukdlrK ls%hdj,Ska w;rg my; idOl wh;a fõ'

l<ukdlrK f;dr;=re u; mokïj wjodku ;lafiare lsÍu i|yd

jk ls%hdj,sh

nexl=jg úfYaIs; Kh fYa%Ks.; lsÍfï iy ,l=Kq ,nd§fï moaO;s

iu. Kh wjodkï l<ukdlrK úi÷ï

.kqfokq uÜgfï§ iy l<U uÜgfï§ wjodkug wkqrEm M,

;lafiare lsÍu i|yd jk wdlD;s

fj<|fmd, wjodkï ;lafiarelrK wdlD;ss

m%Odk fufyhqï wjodkï o¾Yl (Key Operational Risk Indicatoß - KORIs)

fufyhqï w,dN ckkh l< isÿùï iïnkaO o;a; tla/ia lsÍfï

ls%hdj,sh

wjodkï yd md,k iajhx - ;lafiare ls%hdj,sh (Risk and Control Self-Assessment (RCSA) process

wNHka;r m%d.aOk m%udKj;aNdjh ;lafiare lsÍfï ls%hdj,sh"

wjodkï wjfndaO lr.ekSu" l<ukdlrKh lsÍu iy m%udKkh

lsÍu i|yd jk wfkl=;a wjodkï l<ukdlrK mßphka ^wd;;s

mÍlaIdj we;=¿j& iuÕ Ndú;hg .efkk w;r tys m%;sM," wjodkï

;SrK" Wmdhud¾.sl ie,iqïlrKh iy m%d.aOk ie,iqïlrKh

i|yd fhdod.efka'

wjodkï l<ukdlrKh



cd;sl b;sßlsÍfï nexl=j úiska tys fufyhqï w;r;=r y÷kd.

kakd m%udKd;aul wjodkï ;lafiare lsÍu" wëlaIKh lsÍu iy

l<ukdlrKh lsÍu i|yd jk wjodkï l<ukdlrK ld¾hrduqj

Yla;su;a lsÍu Wfoid w;HdjYH jeä ÈhqKq lsÍï y÷kajd§ug mshjr

.kakd ,§' tfiau" YS% ,xld uy nexl=j úiska ksl=;a lrkq ,enQ

ud¾f.damfoaYk yd ndi,a lñgqj úiska y÷kajdfok ,o cd;Hka;r

mßphkag wkql+,j wjodkï l<ukdlrK m%;sm;a;s" l%ufõo iy

moaO;s ia:dms; lr ;sfí'

wjodkï wNsreÑh

wjodkï wNsreÑ m%ldYh wjodkï l<ukdlrK ld¾hrduqfõ m%Odk

wx.hls' nexl=j ish wNsu;d¾: bgq lr.ekSfï§ oeÍug wfmalaId lrk

wjodkï uÜgu wjodkï wNsreÑh f,i ye|skafõ' tu.ska jHdmdrfha

lafIa;% iy md¾Yjlrejkaf.a wfmalaId ms<sônq fõ'

wjodkï wNsreÑh cd;sl b;sßlsÍfï nexl=fõ jHdmdr ie,iqï

ls%hdj,sfha ftkaøSh fldgila f,i y÷kajdÈh yelsh' nexl=fõ

wjodkï wNsreÑ m%ldYh tys jHdmdr fufyhqï iy wjodkï

tlsfklg noaO lrñka jákdlu by< kxjhs' th ffoksl jHdmdr

fufyhqï j,§ jHdmdßl wxY úiska oeÍug iQodkï wjodkï uÜgu

ms<sn|j wjfndaO lr.ekSu i|yd Tjqkag myiqlï i,ihs' túg

wjodku flfrys wjOdkh fhduq lrñka jeä ;SrK m%udKhlg

t<öug Tjqkag yelshdj ,efí'

nexl=fõ jákdlï iy uQ,H ;;a;ajh flfrys wju jYfhka wys;lr

n,mEï we;s lrk m%udKd;aul iy .=Kd;aul mrdñ;s Ndú; lrñka

nexl=j wdh;ksl uÜgfï§ wjodkï wNsreÑh ilia lsÍu i|yd

by< isg my<g hk m%fõYh wkq.ukh lrhs' wdh;ksl uÜgfï§

m%udKd;aul wjodkï wNsreÑh u.ska m%Odk jYfhka m%d.aOk

m%udKj;aNdjh" øjYS,;djh" ,dNodhS;djh iy wfkl=;a úplaIKYS,S

wjYH;d flfrys wjOdkh fhduq flf¾'

wjodkï wNsreÑ ld¾hrduqj ls%hd;aul lsÍu

wjodkï wNsreÑ

m%ldYh iy

iSud m%ldY

lsÍu

ksÍlaIKh iy

jd¾;d lsÍu

md,kh iy

ksjerÈ lsÍu

igyk 4

m%Odk jYfhka nexl=jg Y+kH wjodkï wNsreÑhla mj;akd wjodkï

.+Kd;aul m%ldY u.ska wdjrKh fõ' jHdmdßl uÜgfï§ Kh" idudkH

fldgia" fmd,S wkqmd;h" úfoaY úksuh fj<|du iy fufyhqï wdYs%;

wjodkï ldKav u.ska wjodkï wNsreÑ iSud ;SrKh flf¾'

iSud jHqy" whjeh .; lrk ,o uÜgï iy m%Odk fufyhqï wjodkï

o¾Yl Ndú;fhka jvd úplaIKYS,S wjodkï wNsreÑ uÜgï ia:dms;

lr.ekSu wruqKq lrf.k wdxYsl iy ksuejqï uÜgfï§ by< isg

my<g hk m%fõYh iy my< isg by<g hk m%fõYh ixl,kh flf¾'

cd;sl b;sßlsÍfï nexl=fõ wjodkï wNsreÑ m%ldYh jd¾Islj

ke;fyd;a wjodkï mßirfha isÿjQ wkfmalaIs; fjkialï fya;=fjka

jirlg jvd wvq ld,hl§ wOHlaI uKav,h úiska wkqu; lrkq

,nhs' th nexl=fõ jHdmdßl Wmdhud¾.h" kshduk wjYH;d iy

md¾Yjlrejkaf.a wjYH;d iu. wkql+, jk nj iy;sl lr.ekSu

tys wruqK fõ' wjodkï wNsreÑ uÜgï ;=, /f|ñka wjodkï

l<ukdlrKh lsÍfï j.lSu wOHlaI uKav,h fj; mejfrk w;r

tlS j.lSu wOHlaI uKav, taldnoaO wjodkï l<ukdlrK lñgqj

fj; mjrd § we;'

wjodkï wNsreÑh ikaksfõokh lsÍu

wjodkï wNsreÑ m%ldYkfha

úúO me;slv

m%d.aOk m%udKj;aNdjh øjYS,

,dnodhS;djh iy ¥ro¾YS wjYH;djh

idudkHdêldÍ$m%Odk úOdhl ks,OdÍ

l<ukdlrK lñgq

wjodku iy m%;spdrh

jHdmdßl tall

wjodkï yd md,k iajhx - ;lafiare

ls%hdj,sh$m%Odk wjodkï o¾Yl$w,dN cks;

lrk isÿùï ms<sn| o;a;

igyk 5

wjodkï l<ukdlrK wxYh m%udKd;aul iy .=Kd;aul mrdñ;s

Ndú; lrñka ;:H ld¾hidOkh ksÍlaIKh lrk w;r tu ksÍlaIK

wOHlaI uKav, taldnoaO wjodkï l<ukdlrK lñgqjg$wOHlaI

uKav,hg jd¾;d lrhs'

wOHlaI

uKav,h$

wOHlaI uKav,

taldnoaO wjodkï

l<ukdlrK lñgqj

wjodkï l<ukdlrKh



nexl=j øjYS,;djh i|yd ia:dms; lr ;sfnk wjodkï wNsreÑh iy

ord.ekSfï iSud ;=, ls%hd;aul fõ' flfiajqj;a ,dNodhs;d o¾Yl

fmkajdfok mßÈ m%Odk jYfhka 2018 jir ;=<§ ,dNodhS;djh

my<hdu fya;=fjka wfmalaIs; wjodkï wNsreÑ uÜgï lrd <Õdùug

nexl=jg fkdyels úh'

fj<|fmd, úp,H j, úp,kh" 2017 wxl 24 ork foaYSh wdodhï

mkf;a n,mEu" Kh wdmiq f.ùfï whnoao iy YS% ,xld .sKqïlrK

(SLFRS) m%ñ;s 9 wkq.ukh lsÍu we;=¿ nyqúO idOl fya;=fjka

fuf,i ,dNodhS;djh my< f.dia ;sfí'

Wmdhud¾.sl uÜgfï m%Odk wjodkï o¾Yl

o¾Ylh

wjodk

ï

uÜgu

wjodkï wNsreÑ iSudj ;=, isg

Wmßu ord.ekSfï iSudj ;=, isg

Wmßu ord.ekSfï iSudjg my< uÜgu

,dNodhS;djh

j;alï u; wdodhï

iufldgia u; wdodhu

m%d.aOk m%udKj;aNdjh


ms<sn| wkqmd;slh - ia:r 1


ms<sn| wkqmd;slh - tl;=j

WoHduh

øjYS,;djh

øjYS,;djh - jHjia:dms;

øjYS,;d j;alï

wkqmd;slh

øjYS,;d wdjrK

wkqmd;slh îsh¿ uqo,a

tall i|yd&

Y=oaO ia:djr wruqo,a

wkqmd;slh

igyk 6

m%udKd;aul mj;sk iy u;=fjñka ;sfnk wjodkï Tiafia

Wmdhud¾.sl wNsu;d¾: imqrd.ekSfuys,d t,a, jk wdikak;u

n,mEu wjfndaO lr.ksñka ,dNodhS;djh" øjYS,;djh iy m%d.aOk

m%udKj;aNdjh wd§ m%Odk ld¾hidOk lafIa;% fukau nexl=fõ iuia;

fufyhqï flfrys we;súh yels oeä n,mEu wju lsÍu i|yd úúO

wdldrfha wjodkï j¾. l<ukdlrKh Wfoid Wmldr jk taldnoaO

wjodkï l<ukdlrK ld¾hrduqj ilia lsÍu nexl=j úiska m%j¾Okh

lrkq ,nhs'

Kh wjodku

lsishï Khlrefjl= fyda m%;smd¾Yajhla nexl=jg bgq l< hq;= uQ,H fyda

.súiqï.; j.lSï ksis mßÈ bgq lsÍug wfmdfydi;aùu fyda wiu;aùu

u; uQ,H mdvqjla we;sùfï wjodku Kh wjodku f,i ye`Èkafõ'

fYaI m;%hg we;=<;a Kh ksrdjrK fukau fYaI m;%fhka mßndysr Kh

ksrdjrK fya;=fjkao nexl=j Kh wjodkug ,lafõ' Kh wjodkug

ksrdjrKhùfï Wmßu w.h nexl=fõ iuia; j;alï j,ska 95'5] ls'

nexl=j uqyqKfok Kh wjodku" m%;smd¾Yjhka úiska Kh j.lSu

meyer yeÍfï wjodku" ixflakaøK wjodku" .súiqï m%ldrj Kh

fkdmshùfï wjodku hk wjodkï j,ska iukaú; fõ'

fYaI m;%fhka ksrdjrKh jk yd

fkdjk wjodku

99.1%fYaI m;%fhka ksrdjrKh jk

0.9%fYaI m;%fhka

ksrdjrKh fkdjk

2018

95.8%fYaI m;%fhka ksrdjrKh jk

4.2%fYaI m;%fhka

ksrdjrKh fkdjk

2017

igyk 7

nexl= j,g yd wfkl=;a .Kqfokqlrejkag Kh yd ,eìh hq;= oE iy

Kh iq/l=ï j, wdfhdackh nexl=j uqyqKmdk Kh wjodkfï m%Odk

m%Njhka fõ'

wjodkï l<ukdlrKh



Kh iy ,eìh hq;= oE - l<U ñY%h

58.8%mqoa., Kh l<U

41.2%wdh;ksl Kh l<U

2018

55.9%mqoa., Kh l<U

44.1%wdh;ksl Kh l<U

2017

igyk 8

mqoa., Kh l<U

27.5%ksjdi iy

foam< Kh

49.3%mqoa., Kh

0.1%jdyk Kh

11.0%Wlia

10.7%;ekam;= u; Kh

1.4%fjk;a

ld¾huKav, Kh

2018

31.7%ksjdi iy

foam< Kh

46.0%mqoa., Kh

0.1%jdyk Kh

10.2%Wlia

10.8%;ekam;= u; Kh

1.2%fjk;a

ld¾huKav, Kh

2017

igyk 9

wdh;ksl Kh l<U

6.2%wdh;ksl Kh -

fjk;a

13.4%nexl= fj;

m%odkh l< Kh

2018

6.8%fjk;a WmlrK

73.6%l=vd yd uOH mßudK

jHjidhlhka iy

YS% ,xld rch fj;

,ndÿka Kh

6.4%fjk;a WmlrK

29.4%wdh;ksl Kh -

fjk;a

13.3%nexl= fj;

m%odkh l< Kh

2017

50.9%l=vd yd uOH mßudK

jHjidhlhka iy

YS% ,xld rch fj;

,ndÿka Kh

igyk 10

wjodkï l<ukdlrKh



wjodku iudf,dapkh

Kh wjodku iudf,dapkh

wjodkï idOlh úia;rh ksÍlaIKh$l<ukdlrKh i|yd

Ndú; fuj,ï

ksrdjrKh n,mEu

m%;smd¾Yj úiska

Kh j.lSu

meyeryeÍfï

wjodku

nexl=j iu. t<UqKq .súiqï m%ldrj tlÕjQ mßÈ ish

j.lSï bgq lsÍug m%;smd¾Yj wiu;aùu fya;=fjka we;s

úh yels n,mEu

mQ¾j wk;=re yeÕùfï o¾Yl

ksÍlaIKh lsÍu"

wls%h j;alï

Kh iudf,dapkh lsÍfï hdka;%Kh

by< my<

ixflakaøK

wjodku

l¾udka; lafIa;%hl fyda N+f.da,Sh m%foaYhl Kh wdYs%;

md¾Yajlrejkaf.a wiu jHdma;sh

y¾*skavd,a y¾Iaudka (HHI) o¾Ylh

iSud ksÍlaIKh

wd;;s mÍlaIdj

uOHia: uOHia:

.súiqï m%ldrj

Kh fkdmshùfï

wjodku

Kh mshjk wjia:dfõ§ ish .súiqï.; j.lSï bgq lsÍug

wiu;aùfuka we;s úh yels wjodku

Kh fYa%Ks.; lsÍu$,l=Kq ,nd§u

wd;;s mÍlaIdj

iSud ksÍlaIKh

uOHia: my<

fYaI jQ wjodku wfkl=;a ish¿u wjodkï bj;a lsÍfuka" wju

lr.ekSfuka iy fjk;a wdldrhlska j.ùfuka miqj

fYaI jQ wjodkï fya;=fjka we;súh yels n,mEu

iq/l=ïlrKh

;lafiare lsÍu$kej; ;lafiare lsÍu

ksÍlaIKh lsÍu

Kh i|yd jákdlï wkqmd;sl

ksÍlaIKh lsÍu

uOHia: my<

)by< wd;;s uÜgul§ bmhSï iy m%d.aOkh u; we;s úh yels n,mEu

j.=j 1

2018 j¾Ifha§ nexl=fõ o< wls%h Kh wkqmd;slh 1'44] la f,i

igykajQ w;r th lafIa;%fha wls%h Kh wkqmd;slhjQ 3'4] g jvd wvq

uÜgul mej;sK' lfiajqj;a" 2017§ jd¾;djQ nexl=fõ o< wls%h Kh

wkqmd;slhg ^tkï" 1'34]& jvd by< w.hla f.k ;sìK'

Kh uqo, iy wls%h Kh wkqmd;slh

re' ñ,shk ]

Kh uqo, wls%h Kh wkqmd;h

2014 2015 201820172016

500,000

400,000

300,000

200,000

100,000

0

8.75

7.00

5.25

3.50

1.75

0

igyk 11

m%;smd¾Yj úiska Kh f.ùu meyer yeÍfï wjodku

Kh wjodku ;=, wka;¾.; jvd;a jeo.;a idOlh jk m%;smd¾Yj

úiska Kh f.ùu meyer yeÍfï wjodku hkafkka woyia jkafka

nexl=j iu. t<UqKq .súiqï m%ldrj tlÕjQ mßÈ ish j.lSï

bgq lsÍug m%;smd¾Yj wiu;aùfï wjodku fõ'

m%;smd¾Yj úiska Kh f.ùu meyer yeÍfï wjodku wju lr.ekSu

i|yd kshduk wêldßh iy ndi,a wjYH;d hgf;a ksl=;a lrk

,o fr.=,dis iy ud¾f.damfoaY j,g wkql+,j ilia lrk ,o Kh

wjodkï l<ukdlrK l%ufõo iy WmlrK j,ska Kh wjodkï

l<ukdlrK ls%hdj,sh iukaú; fõ' m%;smd¾Yj úiska Kh f.ùu

meyer yeÍfï wjodku l<ukdlrKh iy ksÍlaIKh lsÍu i|yd

.Kqfokqlrejka ms<sn| uQ,H ;;a;aj úYaf,aIKh" mjrk ,o n,;,

iy ksrdjrK iSud" Kh ksl=;a lsÍfuka miq Kh ksÍlaIKh"

wNHka;r Kh ,l+Kq ,nd§fï$fYa%Ks.; lsÍfï moaO;s iy Kh

iudf,dapkh lsÍfï hdka;%Kh hk l%ufõo ia:dms; lr we;'

wjodkï l<ukdlrKh



wls%h Kh wkqmd;slh wdYs%; ld, ú.%yh

]

1

ld¾;=j

4

ld¾;=j

3

ld¾;=j

2

ld¾;=j

1

ld¾;=j

4

ld¾;=j

3

ld¾;=j

2

ld¾;=j

1

ld¾;=j

4

ld¾;=j

3

ld¾;=j

2

ld¾;=j

2015 2016 2017 2018

1

ld¾;=j

4

ld¾;=j

3

ld¾;=j

2

ld¾;=j

udi 3 úfYaI oelaùu udi 6 udi 6 Wm m%ñ;sh udi 12 udi 12 ieliys; udi 18 udi 18 mdvq

75

60

45

30

15

0

igyk 12

ixflakaøK wjodku

nexl=fõ Kh l<fUys wjodkï me;slv widudkH f,i wvqùulg

u.mdoñka hï ;ks m%;smd¾Yjhla" rgla" l¾udka;hla fyda ksuejqula

fj; nexl=fõ Kh ksrdjrKh wys;lr f,i jeäùfï wjodku

ixflakaøK wjodku f,i y÷kajdÈh yelsh'

Kh l<fUys mj;akd ixflakaøKh ;lafiare lsÍu i|yd cd;sl

b;sßlsÍfï nexl=j úiska m%Odk jYfhka y¾*skav,a y¾Iaudka (HHI) o¾Ylh Ndú; lrkq ,nhs' rcfha ixj¾Ok b,lal idlaId;a lr.ekSu

i|yd nexl=j olajk odhl;ajh u; mokïj nexl=j ;=, lafIa;%

ixflakaøKh flfrys uOHia: wjodkï wNsreÑhla mj;S' uyd mßudK

Kh myiqlï ish,a,u mdfya m%Odk ld¾hd,fha Kh wxYh u.ska whÿï

flfrk fyhska niakdysr m%dfoaYslh iïnkaOfhka by< N+f.da,Sh

ixflakaøKhla mj;S'

ixflakaøK wjodku l<ukdlrKh lsÍu i|yd nexl=j úiska l<U

iïnkaOfhka jk ixflakaøK iSud ksÍlaIKh lsÍu iy wd;;s

mÍlaIdj jeks ls%hdud¾. .kq ,nhs'

lafIa;% ixflakaøKh

4.9%lDIsld¾ñl iy ëjr

0.1%ixpdrl

0.4%.ukd.uk

27.9%bÈlsÍï

19.4%há;, myiqlï

31.4%mdßfNda.sl

0.4%úfoaY wdh;k fj; ,nd ÿka Kh

8.5%wOHdmksl

0.8%jD;a;Sh"

úoHd;aul iy

ld¾ñl

6.2%uQ,H fiajd

2018*

4.5%lDIsld¾ñl iy ëjr

0.1%ixpdrl

0.3%.ukd.uk

18.6%bÈlsÍï

22.6%há;, myiqlï

38.2%mdßfNda.sl

0.0%úfoaY wdh;k fj; ,nd ÿka Kh

8.1%wOHdmksl

1.5%jD;a;Sh"

úoHd;aul iy

ld¾ñl

6.1%uQ,H fiajd

2017

)fmr —mßfNdack˜ wxYh hgf;a j¾.SlrKh l< Kh ksuejqï —bÈlsÍï˜ wxYh hgf;a kej; j¾.SlrKh lsÍu tu wxYfha ksrdjrKhka jeäùug fya;= ù we;'

igyk 13

wjodkï l<ukdlrKh



3.1%W;=re ueo

5.3%jhU

2.4%W;=r

3.8%inr.uqj

4.9%ol=K

1.7%kef.kysr

5.1%uOHu

70.2%niakdysr

3.5%W!j

2017

N+f.da,Sh ixflakaøKh

3.3%W;=re ueo

5.5%jhU

2.5%W;=r

3.9%inr.uqj

5.3%ol=K

1.8%kef.kysr

5.4%uOHu

3.7%W!j

68.6%niakdysr

2018

igyk 14

Kh fkdmshùfï wjodku

Kh fkdmshùfï wjodku" m%;smd¾Yaj úiska Kh j.lSu meyeryeÍfï

wjodku yd ne|S mj;sk w;r" .súiqu m%ldrj Kh mshùfï ld,h w;r

mj;akd fjki fya;=fjkao fuu wjodku u;= úh yelsh'

cd;sl b;sßlsÍfï nexl=j Kh iy fjk;a fjf<| .kqfokq wdYs%;j

u;=jk Kh fkdmshùfï wjodku ksÍlaIK lsÍu i|yd mq¿,a iSud

ld¾hrduqjla ia:dms; lr ;sfí'

fYaIjQ wjodku

md,k hdka;%K Tiafia nexl=jg wdfõKsl wjodkï wju l< miq

b;sßjk wjodku fYaI jQ wjodku f,i y÷kd.; yel' Yla;su;a

md,k ;ka;%hla iy wjodkï j<lajd,Sfï l%ufõo nexl=fõ wjodkï

md,k ld¾hrduqj ;=,g wka;¾.; lr ;sfnk w;r mQ¾j ksYaÑ; Kh

i|yd jákdlï wkqmd;sl iu. ms<s.;a iq/l=ïlrKh iy oeä Kh

whlr.ekSfï l%ufõo Ndú; lrñka fYaIjQ wjodku ms<s.; yels

uÜgul mj;ajd.ekSug lghq;= flf¾'

mqoa.,sl wemlrejka u; mokï jQ mqoa.,sl Kh ixhq;sfha by< hdu;a

iu. Kh wdYs%; fYaIjQ wjodku by< f.dia we;' flfia jqj;a" Kh

l<fUka 26] la rdcH j.lSu u; mokï jk w;r Kh l<fUka

17] la foam< wem u.ska wdjrKh fõ'

Kh wjodkï l<ukdlrK jHqyh

Kh wjodku i|yd m%d.aOk .Kkh lsÍu

wd;;s mÍlaIdj

Kh iudf,dapk hdka;%Kh

m%Odk wjodkï o¾Yl úYaf,aIKh iy ksÍlaIKh

mqoa., Kh wdh;ksl Kh

l<U úYaf,aIKh iy

ksÍlaIKhfY%aKs.; lsÍï

j,x.=lrKh

Kh w

jodk

ï l

<uk

dlrK

h

igyk 15

wjodkï l<ukdlrKh



wjodkï wNsreÑh iy iSud jHqyh" Kh wjodkï l<ukdlrK

m%;sm;a;s" mjrk ,o wkqu; lsÍfï iSud iy nexl=fõ lñgq jHqyh

u; nexl=fõ Kh wjodkï l<ukdlrK jHqyh ia:dms; lr ;sfí'

Kh wjodkï md,kh" wOHlaI uKav, uÜgfï§" wOHlaI uKav,

taldnoaO wjodkï l<ukdlrK lñgqfõ iy wOHlaI uKav, Kh

lñgqfõ iyh we;sj wdrïN fõ' fcHIaG l<ukdlrK uÜgfï§ Kh

wjodkï l<ukdlrKh ms<sn|j wëlaIKh lsÍfï j.lSu Kh lñgqj

iy wdfhdack lñgqj fj; mejf¾'

wOHlaI uKav,h" wOHlaI uKav, taldnoaO wjodkï l<ukdlrK

lñgqj iy fcHIaG l<ukdldÍ;ajh fj; Kh wjodku ms<sn|j

meyeÈ,s iy mq¿,a wjfndaOhla ,nd§fï j.lSu wjodkï l<ukdlrK

wxYfha Kh wjodkï l<ukdlrK tallhg mejÍ we;' Kh wjodkï

l<ukdlrK tallfha j.lSï my; mßÈ fõ'

m%;sm;a;s w¿;a lsÍu$hdj;ald,Sk lsÍu

m%udKd;aul wjodkï wdlD;s ilia lsÍu iy mj;ajd.ekSu

wjodkï wNsreÑ iSud ksÍlaIKh

.kqfokq yd l<U uÜgï j,§ Kh wjodkï iudf,dapkh

Kh iudf,dapk meje;aùu

m%Odk wjodkï o¾Yl iy mQ¾j wk;=re yeÕùfï o¾Yl

ksÍlaIKh lsÍu

Kh lñgqj" wdfhdack lñgqj iy wOHlaIl uKav, taldnoaO

wjodkï l<ukdlrK lñgqj u.ska wOHlaI uKav,h fj;

jd¾;d lsÍu

Kh wjodkï l<ukdlrK ls%hdj,sh

M,odhS Kh wjodkï l<ukdlrKh mq¿,ajQ l<ukdlrK m%fõYhl

;SrKd;aul idOlhla jk w;r nexl=fõ È.= ld,Sk id¾:l;ajh i|yd

w;HjYH lreKla fõ'

Kh .=Kd;aulNdjh iy Kh wjodkï ksrdjrKh wjodkï wNsreÑ

uÜgï ;=, /f|ñka l<ukdlrKh lsÍu Tiafia nexl=fõ wjodku

wkqj .Kkh lrk ,o wdodhï wkqmd;slh Wmßu lr.ekSu cd;sl

b;sßlsÍfï nexl=fõ Kh wjodkï l<ukdlrKfha b,lalh fõ'

l<U uÜgfï§ fukau .kqfokq uÜgfï§ mj;sk Kh wjodku

l<ukdlrKh lr.ekSu i|yd nexl=j wjodkï l<ukdlrK

WmlrK iy l%ufõo moaO;shla Ndú; lrhs'

wjodku fYa%Ks.; lsÍu

m%;smd¾Yajhkaf.a Kh fhda.H;dj ;lafiare lsÍu i|yd nexl=j Kh

fYa%Ks.; lsÍu Ndú; lrhs' ndi,a ud¾f.damfoaY u; mokïj wjodku

wdYs%; ,l=Kq ,nd§u iy wjodku fYa%Ks.; lsÍu i|yd jk

l%ufõo ilia lr we;s w;r m%udKd;aul iy .=Kd;aul wjodkï

mrdñ;s ie,ls,a,g .ksñka wjodkï ;lafiare lsÍfï ld¾hrduqj

iïnkaOfhka ia:djr m%fõYhla wkq.ukh lsÍu bka wfmalaId flf¾'

nexl=fõ Kh fYa%Ks.; lsÍu Tiafia Kh .e;shka iy Kh myiqlug

wod<j ,ndÿka Kh fYa%aKsh mq¿,aj ;lafiare flfrk w;r wNHka;r

Kh fYa%Ks kuhla w;=ßka m%;smd¾Yjhg wod< fY%aKsh ,nd§u isÿfõ'

,nd ÿka Kh fYa%Ksh Kh moaO;sh Tiafia iajdëk j,x.=lrKhla

isÿ lsÍfïÈ wod< .eKqïlrejkaf.a wNHka;r fYa%Ks.; lsÍu ndysr

fYa%Ks.; lsÍu iu. iei|Su isÿ flf¾'

hï ksuejqula fj; m%;smd¾Yjhlf.a Kh fhda.H;dj ms<sônq flfrk

;ks ,l=Kla iEu .Kqfokqlrefjla i|ydu ,ndfok w;r wjodku

u; mokïjQ ñ,lrK m%;sm;a;sh mokï lrf.k .kqfokqlrejkaf.a

Kh i|yd wod< fmd,S wkqmd; ks¾Kh flf¾'

iq/l=ï l<ukdlrKh iy ;lafiarelrKh

uQ,H wjodku wju lsÍfï úYajikSh l%ufõohla iy Kh myiqlï

u; wemhla f,i nexl=j úiska Kh myiqlï ,nd§fï§ Kh iq/l=ï

,nd.kq ,nhs' iq/l=ï úúO wdldrfhka mj;sk w;r nexl=j Kh

myiqlfï iajrEmh u; mokïj iq/l=ï ms<s.kS'

iq/l=fï jákdlu" uQ,sl Kh uqo," fmd,sh" ffk;sl iy fjk;a

.dia;= iïmQ¾Kfhka wdjrKh lsÍug m%udKj;a úh hq;=h'

ksYap, foam<" Wlia lghq;= iy ;ekam;= u; Kh ,nd§u yd wod<

Kh i|yd jákdlï wkqmd;slh ish¿ ysÕ mshùu i|yd m%udKj;a

uÜgul mj;ajd.ekSug nexl=j j.n,d .kS'

YS% ,xld uy nexl=fõ kshduk j,g wkql+,j ilia lr we;s ksYap,

foam, ;lafiare lsÍu yd kej; ;lafiare lsÍug wod< m%;sm;a;sh u;

mokïj iq/l=ï f,i ms<s.kakd ,o foam< kej; ;lafiare flf¾'

Kh wjodkï l<ukdlrK tallh úiska Kh wjodku wju lsÍu

i|yd laIKsl mshjr .ekSu wruqKq lrf.k mQ¾j wk;=re yeÕùfï

o¾Ylhla f,i kej; ;lafiare lsÍu isÿ l< hq;= Kh myiqlï

ksÍlaIKh lrkq ,nhs' 2018 j¾Ifha§ Kh l<fUka 77'72] la"

—Kh m%udKh iy foam< n,lr úlsKSfï w.h w;r wkqmd;slh˜

50] lg jvd wvq uÜgul mj;sk ksYap, foam, u; m%odkh lrk ,§'

Kh l<U - iq/l=ï jYfhka

6.4%uqo,a

12.0%wkdrlaIs;

6.6%rka

16.7%ksYap, foam,

0.1%p, foam,

1.3%l,anÿ ,eîï

29.1%mqoa., wem

0.1%wdh;ksl wem

1.4%fjk;a

26.3%NdKavd.dr j.lSu

2018

igyk 16

wjodkï l<ukdlrKh



ksYap, foam, u; mokïjQ Kh myiqlï j,g wod<

Kh i|yd jákdlï wkqmd;slfhys jHdma;sh

foieïn¾ 31 Èkg 2018 2017

re Z000 ixhq;sh ^]& re Z000 ixhq;sh ^]&

Kh i|yd jákdlï

wkqmd;slh

50] g jvd wvq 53,692,612 77.72 51,515,268 78.45

50] - 75] 13,748,040 19.90 12,160,610 18.52

75] g jvd jeä 1,647,432 2.38 1,988,195 3.03

69,088,084 100.00 65,664,073 100.00

j.=j 2

Kh iudf,dapk hdka;%Kh

Kh ,nd§fï§ yd f,aLK ls%hdj,sfha mj;sk wvq,qyq~qlï ksis f,i

y÷kd.ekSu iy tajd ksjerÈ lsÍu Tiafia Kh wjodku j<lajd,Su

i|yd M,odhS fuj,ula f,i Kh iudf,dapk hdka;%Kh nexl=j úiska

Ndú; lrkq ,nhs' fuu ls%hdj,sh u.ska Kh l<fUys iy Kh m%odkh

lsÍfï ls%hdj,sfha .+Kd;aulNdjh ms<sn| ;yjqrejla ,ndfohs'

nexl=fõ Kh iudf,dapk hdka;%K ls%hdj,sh m%Odk ld¾hd,fha iy

YdLd uÜgfï Kh fufyhqï wdjrKh lrk w;r Kh wjodkï

l<ukdlrK tallh úiska Kh m%odkh lrk ,o Èkfha isg udi

;=kl ld, iSudj we;=<; wdh;ksl Kh iy mqoa., Kh ldKavhg

wh;a re' ñ,shk 10 lg jeä jákdlula iys; ksheÈhla f;dardf.k

iudf,dapkh lsÍfuka miq Kh lñgqjg jd¾;d lrhs'

ydkslrK úêúOdkh

YS% ,xld .sKqïlrK m%ñ;s 9 hgf;a y÷kajdfok ,o Kh ms<sn|

wfmalaIs; uQ,H w,dNh .Kkh lsÍfï l%ufõoh (Expected Credit LÈs) iu. uQ,H WmlrK wdYs%; Kh w,dNh jeä

úp,H;djhlska by< .sfhah' fmr ;SrKh lrk ,o iSudjla u;

mokïj ;ks ;ksj fyda iduQysl moku u; uQ,H WmlrK i|yd mQ¾K

ld,Sk wfmalaIs; Kh w,dNh fyda udi 12 l§ wfmalaIs; Kh w,dNh

.Kkh flf¾' ydkslrK úêúOdkh i|yd iïu; wfmalaIs; Kh

w,dN wdlD;shla nexl=j úiska ls%hd;aul lrk ,§'

2018 ckjdß 01 jk Èk YS% ,xld .sKqïlrK m%ñ;s 9 Ndú;hg

.ekSfï ;;H n,mEfuys m%;sM,hla f,i Kh w,dN i|yd fjka lsÍï

m%udKh by< f.dia ;sfí' 2018 j¾Ifha§ nexl=fõ Kh w,dN i|yd

fjka lsÍfï wdjrK m%;sY;h 63] la f,i igyka jQ w;r th 2017

j¾Ihg idfmalaIj 8] l j¾Okhls'

ydkslrK úêúOdkh iy wls%h Kh wkqmd;h

re' ñ,shk ]

ydkslrK úêúOdkh

^re' ñ,shk&

wls%h Kh wkqmd;h

^re' ñ,shk&

úêúOdkwdjrKh

^]&

2014 2015 201820172016

75

60

45

30

15

0

17,500

14,000

10,500

7,000

3,500

0

igyk 17

fjf<|fmd< wjodku

fjf<òfmd< wjodku hkqfjka ye`Èkafjkafka fjf<òfmd< ñ,

.Kka wdY%s; fjkiaùï fya;=fjka fYaI m;%fhka ksrdjrKh jk

iy fkdjk nexl=fõ uQ,H j;alï iy j.lSï j, jákdlu

WÉPdjpkh ùfï wjodkuhs' fuu ñ, fjkiaùï yg.kafka tla

tla WmlrKhg fyda tajd ksl=;a lrk md¾Yjhg fyda m%;smd¾Yjhg

wdfõKsl jQ idOl fya;=fjkao ke;fyd;a fjf<|fmd< ;=, .kqfokq

jk ish¿ WmlrK j,g wod< idOl ksido hkak tys§ fkdie,fla'

tneúka fjf<|fmd< wjodku Kh iq/l=ï fjf<|fmd<" fldgia

fjf<|fmd<" úksuh fjf<|fmd< iy NdKav fjf<|fmd< hk m%Odk

wd¾Ól fjf<|fmd< i;frys ñ, wia:dhS;djh iu. noaO ù ;sfí'

nexl=j fuu fjf<|fmd< úp,H j, úp,kh fya;=fjka nexl=fõ

fjf<| yd nexl= fmd;a j, fmd,S wkqmd; wjodku" iufldgia ñ,

wjodku" úksuh wkqmd; wjodku iy fjf<| NdKav ñ, wjodku

hk wjodkï j,g ksrdjrKh fõ' nexl=j mdßfNda.sl NdKav

fjkqfjka wdfhdackh lsÍula isÿ fkdlrk fyhska nexl=j NdKav ñ,

wjodkug iDcqju ksrdjrKh fkdfõ' flfia kuq;a" rkA yd fndrf;,a

jeks fjf<| NdKav j, ñ, f.da,Sh jYfhka fjkiaùu nexl=fõ

jHdmdßl lss%hdldrlï flfrys jl% n,mEula we;s lrhs'

fmd,S wkqmd; j, wjdisodhl ;;a;ajhka" iu fldgia ñ, iy úfoaY

úksuh wkqmd; úiska uQ,H WmlrK j, fjf<|fmd< jákdlu" ;:H

iy M,odhS bmhSï iy uQ,H WmlrK l<Ul wkd.; uqo,a m%jdyh

my< oukq ,nhs'

wjodkï l<ukdlrKh



2018 foieïn¾ 31 Èkg fjf<|fmd< wjodkï ñkqu m%d:ñl fj<|fmd< wjodkï idOl

bÈßhg f.k wd

uqo,

re Z000

fjf<| l<U

re Z000

fjf<| fkdjk

l<U

re Z000

fmd,S wkqmd;

wjodku

úfoaY

úksuh wjodku

iufldgia

fj<|fmd< wjodkug hg;a j;alï

uqo,a yd uqo,a j,g iudk fjk;a idOl 3,434,524 – 3,434,524

nexl= j, /|jQ uqo,a 17,588,445 – 17,588,445

jHq;amkak uQ,H WmlrK 4,740,106 4,740,106 –

idOdrK w.hla u; uksk ,o uQ,H j;alï 16,680,382 16,680,382 –

l%ulaIhjQ msßjeh u; uQ,H j;alï - Kh yd

,eìh hq;= oE

423,532,145 – 423,532,145

l%ulaIhjQ msßjeh u; uQ,H j;alï - Kh yd

fjk;a uQ,H WmlrK

518,947,969 – 518,947,969

fjk;a úia;SrK wodhï u; idOdrK jákdlï

Tiafia uksk ,o uQ,H j;alï

6,184,430 6,184,430 –

991,108,001 27,604,918 963,503,083

fjf<|fmd< wjodkug hg;a j.lSï

nexl=j,g f.úh hq;= 77,119,146 – 77,119,146

jHq;amkak uQ,H WmlrK 1,533 1,533 –

l%ulaIhjQ msßjeh u; uQ,H j.lSï -

;ekam;=lrejkag f.úh hq;=

839,574,411 – 839,574,411

l%ulaIhjQ msßjeh u; uQ,H j.lSï -

.eKqïlrejkag f.úh hq;=

14,804,802 – 14,804,802

ksl=;a lrk ,o Kh iq/l=ï 52,389,133 – 52,389,133

úY%du m%;s,dN f.ùï 3,830,795 – 3,830,795

987,719,820 1,533 987,718,287

fj<|fmd< wjodkï ksrdjrKh

j.=j 3

ish ;ekam;= j,ska 60] la rdcH iq/l=ïys r|jd ;eîu nexl=j úiska

imqrd,sh hq;= wksjd¾h wjYH;djhls' nexl=j fmd,S wkqmd; wjodkug

iy wdodhï$úhoï wkqmd; j, isÿ jk fjkialï j,g ksrdjrKh

flfrñka 2018 j¾Ifha§ nexl=j úiska ish ;ekam;= j,ska 60'9] la yd

iuia; j;alï j,ska 50'6] la rdcH iq/l=ïys ^fj<| yd nexl= fmd;a&

r|jd ;nk ,§'

nexl=fõ iufldgia wdfhdackh iuia; wdfhdack j,ska fkd.sKsh

hq;= w.hla .;a w;r ^1'1]& bka 33] la fj<| l<fUyso 67] la

Wmdhud¾.sl wdfhdack j,o mej;sK' 2018 j¾Ifha wjidkh jk úg

nexl=fõ iuia; iufldgia wdfhdackh 0'6] la f,i igyka úh'

nexl=fõ úfoaY úksuh fufyhqï w;rg úfoaY úksuh fj<|du"

;ekam;= Ndr.ekSu" fm%aIK" Kh .ekSu" Kh§u iy jHq;amkak

wh;afõ'

wjodkï iudf,dapkh

fmd,S wkqmd; wjodku" úfoaY úksuh wjodku" iufldgia ñ,

wjodku wdYs%;j nexl=fõ fj<|fmd, wjodku iudf,dapkh flf¾'

nexl=j úúO l%ufõo iy wdlD;s Ndú;fhka fj<|fmd< wjodkï

me;slv iudf,dapkh lrhs'

wjodkï l<ukdlrKh



wjodkï idOlh úia;rh ksÍlaIKh$l<ukdlrKh i|yd

Ndú; fuj,ï

ksrdjrKh n,mEu

fmd,S wkqmd; wjodku

m%;sñ,lrK wjodku nexl=fõ wdfhdack fmdf;ys jákdlï fukau nexl=

fmdf;ys wkqmd; ixfõ§" fYaI m;%fhka ksrdjrKh

jk yd fkdjk j;alï iy j.lSï j, wkqmd;

fjkiaùu fyda uqo,a m%jdy w;r mj;akd fkd.e<mSï

fya;=fjka mek k.sk wjodku

wkqmd; ixfõ§ j;alï iy

wkqmd; ixfõ§ j.lSï j,g wod<

m%;sñ,lrK fjkialï wdYs%; iSud

ksÍlaIKh lsÍu

by< by<

wdodhï jl% wjodku È.= ld,Sk wkqmd; fjkiaùï j,g jvd wvq fyda jeä

jYfhka flá ld,Sk wkqmd; fjkiaùfï wjodku

ixfõ§;djh$wkqmd; lïmk iu.

wd;;s mÍlaIdj

by< by<

mokï wjodku iudk l,amsÍfï ld,hla fyda m%;sñ,lrK Èk iys;

wkqmd; ixfõ§ j;alï iy wkqmd; ixfõ§ j.lSïys

fmd,S wkqmd; w;r wiudk úp,k fya;=fjka mek

k.sk wjodku

wkqmd; ixfõ§ j;alï iy ork

wkqmd; ixfõ§ j.lSïys wkqmd;

lïmk wdYs%; ixfõÈ;djh

by< by<

úfoaY úksuh

wjodku

úfoaY úksuh ia:dk.; lsÍï l,amsÍu wdYs%;

fkd.e<mSï fya;=fjka mek k.sk úksuh wkqmd;j,

wys;lr fjkialï fya;=fjka bmhSï iy m%d.aOkh

u; we;s úh yels n,mEu

iSud ksÍlaIKh

wjodkfï§ úfoaY úksuh jákdlu

wd;;s mÍlaIdj

by< uOHia:

iufldgia iufldgia fjf<|fmd< ñf,ys isÿjk

fjkialï u; mokïj we;s úh yels mdvq

wjodkfï§ iufldgia jákdlu

iSud ksÍlaIKh

ffokslj wf,úh i|yd mj;sk l<U

iy fj<|m< .Kqfokq j,g wod<

idm,H;d igyka lr.ekSu

my< my<

fj<| NdKav fjf<| NdKavj, ^rka& ñf,ys isÿ jk fjkialï

fya;=fjka we;s jk iDK n,mEu

Wlia w;a;sldrï i|yd jk iq/l=ï

j, jákdlu flfrys jk n,mEu

iDcqj

ksrdjrKh

fkdfõ

fjf<|fmd< wjodku iudf,dapkh

)by< wd;;s uÜgul§ bmhSï iy m%d.aOkh u; we;s úh yels n,mEu

j.=j 4

fmd,S wkqmd; wjodku

fmd,S wkqmd; j, we;s úh yels fjkialï fya;=fjka nexl=fõ Y=oaO

jákdlu my< oeóug fya;=jk bmhSï yd m%d.aOkh my< hdfï

wjodku fmd,S wkqmd; wjodku f,i y÷kajdÈh yelsh' fmd,S wkqmd;

j, isÿ jk fjkialï u.ska nexl=fõ Y=oaO fmd,S wdka;slh flfrys

laIKsl n,mEula we;s lrhs' fj<|fmd, fmd,S wkqmd; j, isÿ jk

fjkiaùï fya;=fldgf.k nexl=jl j;alï" j.lSï iy fYaI m;%fhka

ksrdjrKh fkdjk idOl j, wd¾Óluh jákdlu n,mEug ,la jk

fyhska fmd,S wkqmd; wdYs%;j isÿ flfrk fjkialï nexl=fõ Y=oaO

jákdlu flfrys §¾> ld,Sk n,mEula we;s lrhs'

nexl=fõ fj<| fmdf;ys isÿ flfrk wdfhdack fukau nexl= fmdf;ys

wkqmd; ixfõ§ j;alï iy wkqmd; ixfõ§ j.lSï j, m%;sñ,lrK

ld, mßÉfþo j, mj;akd fkd.e<mSï Tiafia mek k.sk fmd,S

wkqmd; wjodkugo nexl=j ksrdjrKh fõ'

fmd,S wkqmd; wjodku l<ukdlrKh lsÍu fj<|fmd, wjodkï

l<ukdlrKfha ;SrKd;aul wx.hls' Y=oaO fmd,S wdodhu iy Y=oaO

fmd,S wdka;slh fmd,S wkqmd; j, úp,k u; mokï fõ' uqo,a m%jdy

j, îa:djr j;alï fyda j.lSï& fyda m%;sñ,lrK Èk j, ^mdfjk

j;alï fyda j.lSï& fkd.e<mSï nexl=fõ Y=oaO fmd,S wdodhu iy Y=oaO

fmd,S wdka;slh fjkiaùï j,g ,la lrhs' j;alï u; bmhSï iy

j.lSï j,g wod< úhoï fj<|fmd, fmd,S wkqmd; j, úp,kh yd

ióm iïnkaOhla olajhs'

nexl=j uQ,sl jYfhka fmd,S wkqmd; m%;sñ,lrK fjki ms<sn|

úYaf,aIKhla u.ska fmd,S wkqmd; wjodku ;lafiare lrhs'

ksYaÑ;j olajd we;s l,amsÍfï ld, mrdihla ;=,§ m%;sñ,lrKh jk

bmhQ j;alïys fmd,S m%udKh iy ork j.lSïys fmd,sh w;r fjki

iy fmd,S wkqmd; m%;sñ,lrK fjki tu úYaf,aIKh u.ska

;lafiare flf¾'

wjodkï l<ukdlrKh



udi 1

re' ñ,shk

udi 1-3

re' ñ,shk

udi 3-6

re' ñ,shk

udi 6-12

re' ñ,shk

wjqreÿ 1-3

re' ñ,shk

wjqreÿ 1-3

re' ñ,shk

wjqreÿ 5

re' ñ,shk

wkqmd; ixfõ§ j;alï 37,127 34,022 33,377 112,026 219,274 207,322 334,168

wkqmd; ixfõ§ j.lSï 225,453 268,398 165,580 288,286 25,333 10,836 –

ld, mßÉfþo mr;rh (188,326) (234,376) (132,203) (176,260) 193,941 196,486 334,168

iuqÉÑ; mr;rh (188,326) (422,702) (554,905) (731,165) (537,224) (340,738) (6,570)

;:H mr;rh wkqmd; ixfõ§ j.lSïj,

m%;sY;hla f,i -2018 -84% -87% -80% -61% 766% 1,813% –

;:H mr;rh wkqmd; ixfõ§ j.lSïj,

m%;sY;hla f,i -2017 -88% -88% -52% -37% 281% 1,431% 13,966%

fmd,S wkqmd; ixfõ§ úYaf,aIKh

j.=j 5

fjf<| fmdf;ys fmd,S wkqmd; wjodku

2018 jir wjidkfha§ nexl=j úiska tys wfhdack j,ska 2'6] la

rdcH iq/l=ï j, ,dN fyda w,dN u; idOdrK jákdlï l<fUyso

(Fair Value Through Profit or Loss - FVTPL Portfolio) 0.5% lg jvd wvq

m%udKhla fjk;a úia;SrK wdodhï u; idOdrK jákdlï l<fUyso

(Fair Value Through Other Comprehensive Income - FVOCI Portfolio) r|jd ;nk ,§' rdcH iq/l=ï j, ,dN fyda w,dN u; idOdrK

jákdlï l<fUys wjodku wdikak;u fjf<|fmd< ñ, ;lafiarej

(Mark to Market valuation) iy l<U wdYs%; bmhSï Tiafia ;lafiare

lrkq ,nhs' tfiau" l<Ug wod< ld, iSudj udislj ksÍlaIKh flf¾'

nexl= fmdf;ys fmd,S wjodkï wkqmd;h

nexl= fmdf;ys j;alï yd j.lSï j,g wod< úúO m%;sñ,lrK ,laIK

fya;=fjka fuu wjodkï m%;sM, yg.kS' fmd,S wkqmd; wjodku

úplaIKYS,S uÜgul mj;ajd.ekSu nexl=fõ kqnqkaj;aNdjh wdrlaId

lr.ekSu i|yd w;HdjYH fõ'

ysñlï fldgia wjodku

wdodhfï iy ixÑ;fha we;s úh yels úp,k j,g nexl=j ksrdjrKh

flfrñka fldgia fj<|m, idOl fya;=fjka cd;sl b;sßlsÍfï

nexl=fõ wdfhdack j, fj<|fmd, jákdlu ySkùfï wjodku

iufldgia wjodku f,i ye|skafõ' idudkH fldgia fukau tall

Ndr j,g wod< ,ehsia;=.; yd ,ehsia;= .; fkdlrk ,o iufldgia

WmlrK j, wdfhdackh lsÍfuka yg.kakd iufldgia ia:dkSh

wjodkug nexl=j ksrdjrKh fõ'

nexl=fõ ,ehsia;=.; iufldgia l<U" ,dN fyda w,dN u; idOdrK

jákdlï l<U iy fjk;a úia;SrK wdodhï u; idOdrK jákdlï

l<U j,ska iukaú; jk w;r iu fldgia j, fl;rï ÿrlg

wdfhdackh flfrkafkao hkak l<ukdlrKh flfrkafka

wjodkï iSud ld¾hrduqj iy wdfhdack m%;sm;a;s m%ldYh u.sks'

2018 2017 Wm,íê fkdjQ

wdodhï

l<U j¾.h fmdf;a jákdlu

re' Z000

fj<|fmd, jákdlu

re' Z000

fmdf;a jákdlu

re' Z000

fj<|fmd, jákdlu

re' Z000 re' Z000

fj<| l<U 3,367,973 1,878,919 3,521,949 2,357,336 (1,489,054)

wf,úh i|yd mj;sk l<U 3,107,875 3,750,515 3,107,875 4,440,951 642,640

uq¿ w.h 6,475,848 5,629,434 6,629,824 6,798,287 (846,414)

iufldgia l<U uÜgu

,ehsia;=.; fkdl, wdfhdacko we;=,;aj

j.=j 6

ukao.dó wd¾Ól ;;a;ajhka" j¾Okh jQ wNHka;r foaYmd,k wia:djr;ajh iy úp,kh jk f.da,Sh uQ,H fj<|fmd, fya;=fjka 2018 j¾Ifha§

fld<U fldgia fj<|fmd, oeä n,mEulg ,la úh' 2018 j¾Ifha§ jd¾;d jQ 2'3] l j¾Okhg idfmalaIj fld<U iufldgia fj<|fmd, 4'98]

ô¾Yl tall 317& ka my< .sfhah' tfiau" fld<U fldgia fj<|fmdf,a úYd,;u iy jvd;a øjYS, fldgia wka;¾.; S&P SL 20 o¾Ylho 2018

j¾Ifha§ 14'6] ô¾Yl tall 537& l mdvqjla igyka lrñka wLKavj my< .sfhah'

wjodkï l<ukdlrKh



iufldgia l<fUys ixhq;sh

1.5%tallNdr

3.4%,ehsia;=.; fkdl<

iufldgia

44.6%wf,úh i|yd mj;sk

,ehsia;=.; iu fldgia

50.5%,ehsia;=.;

iufldgia fj<odu

2018

1.4%tallNdr

3.4%,ehsia;=.; fkdl<

iufldgi

44.0%wf,úh i|yd mj;sk

,ehsia;=.; iu fldgia

51.2%,ehsia;=.;

iufldgia fj<odu

2017

igyk 18

úfoaY úksuh wjodku

wkfmalaIs; yd wjdisodhl úfoaY úksuh wkqmd; WÉPdjpkfhys

m%;sM,hla f,i hï úfoaY uqo,a tallhlska olajk j;alul fyda

wdfhdack iy úfoaY uqo,a taall Ndú;fhka isÿ flfrk .kqfokq

j, jákdlu wvq ùfï wjodku úfoaY úksuh wjodku fõ' 2018

jir ;=,§ tlai;a ckmo fvd,rh yd YS% ,xld remsh, w;r yqjudre

wkqmd;h remsh,a 153'33 yd 182'71 w;r mrdihl WÉPdjpkh úh'

ûQ,dY%h( íÆïn¾.a& jir ;=,§ remsh, wjm%udKh ùu 19'2] la f,i

igyka úh'

nexl=j úiska 2013 iy 2014 j¾I j,§ ksl=;a lrk ,o tlai;a ckmo

fvd,¾ ñ,shk 1"000 l uq¿ jákdlulska hq;a ne÷ïlr nexl=fõ úfoaY

úksuh ksrdjrKfhys fldgila fõ' 2013 j¾Ifha§ ksl=;a lrk ,o

tlai;a ckmo fvd,¾ ñ,shk 750 l ne÷ïlrhg wod< Kh wdmiq

f.ùu id¾:lj isÿ lsÍug iudf,daÑ; j¾Ih ;=,§ nexl=jg yels

úh' flfia jqj;a" nexl=j úiska tu uQ,H j.lSu bgq lsÍu i|yd

ms<s.;a uQ,H wdh;khlska tlai;a ckmo fvd,¾ ñ,shk 100 l Kh

myiqlula ,nd.kakd ,§' tu Kh myiqlu mdfjk fmd,S wkqmd;hla

hgf;a" ,kavka wka;¾nexl= úiska msßkukq ,nk wkqmd;h (London Interbank Offered Rate - LIBOR) + 2% l wdka;slhla u;

,nd.kakd ,§'

b;sß tlai;a ckmo fvd,¾ ñ,shk 250 l ne÷ïlrh 2019 j¾Ifha§

l,amsÍug kshñ; w;r uq,a uqo, ksoyia lsÍfuys,d mek k.sk úfoaY

úksuh wjodku wju lsÍug YS% ,xld uy nexl=j iu`. w;aika ;nk

,o jHq;amkak .súiqula (SAWP) u`.ska wdjrKh flßK' tfiau úfoaY

uqo,a tall j,ska wdh;ksl Kh ksl=;a lsÍu fya;=fjka jir ;=,§

nexl=fõ úfoaY úksuh ksrdjrKh by< .sfhah'

l,a msÍfï mr;rh udi 1g wvq

re' Z000

udi 1-3

re' Z000

udi 3-6

re' Z000

udi 6-12

re' Z000

wjqreÿ 1-3

re' Z000

wjqreÿ 3-5

re' Z000

wjqreÿ 5 g jeä

re' Z000

tlai;a ckmo fvd,¾ (4,360,211) 9,076,532 (8,984,000) 14,712,404 (11,513,547) 2,571,900 3,233,340

hQfrda (1,065,702) (127,100) (173,989) 5,649,578 – – –

uyd ì%;dkH mjqï (472,669) (14,969) (168,332) 1,078,399 – – –

isx.mamQre fvd,¾ 1,336 – – – – – –

TiafÜ%,shdkq fvd,¾ (747,345) (46,643) 355,165 992,454 – – –

cmka fhka 3,018,750 – – – – – –

iaúia *%Ekala 607 – – – – – –

úfoaY úksuh l,a msÍfï mr;rh

j.=j 7

úfoaY úksuh wjodku ish¿ úfoaY uqo,a tall j, wkdjD; ;;a;ajh yd iïnkaO fõ' nexl=j" Y=oaO úfoaY úksuh ksrdjrKh ie,ls,a,g .ksñka

m%ñ;s.; ñkqïlrK m%fõYh hgf;a úfoaY úksuh wjodku Wfoid m%d.aOk fjka lsÍï isÿ lrhs' NdKavd.dr fufyhqï wdYs%; úfoaY úksuh

wjodkfuys m%Odk o¾Ylhla jk ffoksl Y=oaO újD; ;;a;ajh ffoksl mokula u; ksÍlaIKh flfrk w;r tlai;a ckmo fvd,¾ ñ,shk 750

ne÷ïlrhg wod< uq,a uqo, iy l+mk f.ùu i|yd nexl=j úiska tlai;a ckmo fvd,¾ /ia lsÍu fya;=fjka ks¾foaYs; uÜgu blaujk wjia:d

lsysmhla muKla ^wod< wêldÍkaf.a wkque;sh iys;j& jd¾;d flf¾'

wjodkï l<ukdlrKh



ffoksl Y=oaO újD; ;;a;ajh iy wNHka;r iSud – 2018

USD ’000

iema( foie(fkdje(Tla(ud¾;= wfma%,a uehs cqks cQ,s wf.daia;=fmn(ck(

ffoksl Y=oaO újD; ;;a;ajh wNHka;r iSudj

5,000

2,500

0

-2,500

-5,000

-7,500

igyk 19

md,k jHqyh

úplaIKYS,S yd iajdëk fj<|fmd, wjodkï md,k ld¾hrduqjla

nexl=j i;= jk w;r" th nexl=fõ wjodkï l<ukdlrKfha ftkaøSh

fldgila f,i y÷kajdÈh yelsh' fj<|fmd, wjodku md,kh

nexl=fõ wOHlaI uKav,h iy l<ukdlrK lñgq j, m%Odk

j.lSula fõ'

nexl=fõ ,dNodhS;djh" m%d.aOk uÜgu iy wjodkï me;slv

flfrys fj<|m, wjodkï idOl úiska we;s lrkq ,nk n,mEu

l<ukdlrKh lsÍu i|yd nexl=fõ fj<|fmd, wjodkï wNsreÑh"

uQ,O¾u" m%;sm;a;s" mámdá" md,k iy jd¾;dlrKh kshduk iy

lafIa;%fha hymßphka iu`. mQ¾K jYfhka wkql+, fõ'

nexl=fõ wjodkï wNsreÑh u; mokïjQ ld¾hidOk$wjodkï mrdñ;s

;=, /f|ñka fYaI m;%h l<ukdlrKh lsÍfï j.lSu mejfrk

l<ukdlrK uÜgfuka ls%hd;aul jk m%Odk;u lñgqj j;alï yd

j.lSï l<ukdlrK lñgqjhs' wdfhdack j, wjodku l<ukdlrKh

lsÍu wruqKq lrf.k nexl=fõ wdfhdack l<U fyda bka fldgila

fyda wdfhdackh lsÍu fyda ksrdfhdackh lsÍu w;HjYH fyda iqÿiq

hehs i,lk ,o kï wdfhdack lñgqj úiska ta i|yd .; hq;= mshjr

iïnkaOfhka ks¾foaY bÈßm;a lrñka wOHlaI uKav,h oekqj;a

lrkq ,nhs'

fj<|fmd, wjodkï iïnkaOfhka wOHlaI uKav,h" wOHlaI uKav,

taldnoaO wjodkï l<ukdlrK lñgqj iy fcHIaG l<ukdldÍ;ajh

fj; meyeÈ,s yd mq¿,a wjfndaOhla ,nd§fï j.lSu wjodkï

l<ukdlrK wxYfha fj<|fmd, wjodkï ksÍlaIK tallh fj;

mejf¾' fj<|fmd, wjodkï ksÍlaIK tallfha j.lSï my; oelafõ'

m%;sm;a;s hdj;ald,Sk lsÍu

m%udKd;aul wjodkï wdlD;s ilia lsÍu iy mj;ajd .ekSu

wjodkï wNsreÑ iSud iy NdKavd.dr iSud j,g idfmalaIj

NdKavd.dr fufyhqï" ksrdjrK iy ;;a;aj iSud ksÍlaIKh lsÍu

ffoksl iudf,dapk isÿ lsÍu iy fj<| l<U úYaf,aIKh lsÍu

;;a;aj iSud ksÍlaIKh lsÍu

.kqfokq yd l<U uÜgï j,§ wfkl=;a wjodkï ksrdjrK iSud

ksÍlaIKh lsÍu

fj<|fmd, wjodkï ksÍlaIK tallfha fldgila jk NdKavd.dr ueÈ

fm< ld¾hd,h nexl=fõ NdKavd.dr bÈß fm< yd miq fm< ld¾hd,

j,ska neyerj iajdëkj ls%hd;aul jk w;r ffoksl mokula u;

mQ¾j ksYaÑ; iSudjkag wkql+,j nexl=fõ NdKavd.dr fufyhqï wdYs%;

ftkaøSh wjodku iy fj<| wjodku ksÍlaIKh lsÍu" ;lafiare lsÍu"

úYaf,aIKh lsÍu iy jd¾;d lsÍu tu`.ska isÿ flf¾' wod< ksÍlaIK

iajdëk u;hla iu`.ska wdfhdack lñgqj" j;alï yd l<ukdlrK

lñgqj iy wOHlaI uKav,h fj; jd¾;d flf¾'

fj<|fmd, wjodkï l<ukdlrK jHqjyh

fj<|fmd,

wjodk

u

NdKavd.dr iSud ksÍlaIKh iy wNHka;r md,k

wjodkï uekSu" úYaf,aIKh iy jd¾;dlrKh$idrdxYh

wd;;s mÍlaIdj$ixisoaê úYaf,aIKh

fj<|fmd, wjodku i|yd m%d.aOk .Kkh lsÍu

fj<| fmd; nexl= fmd;

NdKavd.dr ueÈ fm< ld¾hd,h l<U úYaf,aIKh

igyk 20

fj<|fmd, wjodkï l<ukdlrK ls%hdj,sh

ish wjodkï wNsreÑh iu. wkql+, jk fj<|fmd, wjodkï

me;slvla mj;ajd.kakd w;r;=r nexl=j fj<|fmd, wjodkï

ksrdjrK l<ukdlrKh iy md,kh lsÍu isÿ lrhs' ta i|yd" l<U

iy .kqfokq uÜgï j,§ fj<|fmd, wjodkï ksrdjrK ksÍlaIKh

lsÍu i|yd nexl=j mq¿,a mrdihl úysÿKq wdlD;s" l%ufõo iy

fuj,ï Ndú;d lrhs'

wjodkï l<ukdlrKh



iSud ksÍlaIKh

wjodku md,kh iy j<lajd,Su i|yd WmldÍ jk m%Odk;u

hdka;%Khla jkafka ukdj ilia lrk ,o wjodkï iSud ld¾hrduqjls'

nexl=j úiska NdKavd.dr fufyhqï ksÍlaIKh lsÍu i|yd wjodkï

wNsreÑ iy mq¿,a jQ wjodkï iSud ld¾hrduqjla ia:dms; lr ;sfnk

w;r th NdKavd.dr ueÈ fm< ld¾hd,h úiska ksÍlaIKh lrkq ,nhs'

fuu iSud rduqj jd¾Isl mokula u; fyda wjodkï mßirh flfrys

n,mEula we;s jk wdldrfha wNHka;r fyda ndysr isÿùula we;sjQ

wjia:dj,§ iudf,dapkhg ,la flf¾' NdKavd.dr fufyhqï

fj<|fmd, wjodkï ksÍlaIKh lsÍu i|yd wOHlaI uKav,$wOHlaI

uKav, taldnoaO wjodkï l<ukdlrK lñgq wkque;sh ,nd.efka'

wjodkï iSud" NdKavd.dr fufyhqï iy fj<| yd fj<| fkdjk l<U

wdjrKh flfrk meyeÈ,s wêldÍ iSudj,ska ie§ ;sfí' fuu wjodkï

iSud jHqyh b;d mq¿,a mrdihla m%udKd;aulj wdjrKh flfrk mßÈ

ilia lr ;sfnk w;r thska NdKavd.dr bÈßfm< lghq;= wLKavj

yd iM,odhS f,i úu¾Ykh lsÍug iy ta ms<sn|j wjfndaOhla

,nd.ekSug wjYH myiqlu ie,fia'

NdKavd.dr ueÈ fm< ld¾hd,h fmd,S wkqmd;" iufldgia iy úfoaY

úksuh wkqmd; j, WÉPdjpk" wjodkï iSud j,g wkql+,j jvd

iómj ffoksl mokula u; ksÍlaIKh lrhs' úfoaY úksuh .kqfokq"

rdcH iq/l=ï fj<odu iy mshùfï ksrdjrK wdYs%; m%;smd¾Yúl

wjodkï iSud ffokslj ksÍlaIKh lrkq ,nhs' tu iSud blauùï

ms<sn|j wdfhdack lñgqj" j;alï yd j.lSï l<ukdlrK lñgqj iy

wOHlaI uKav,h fj; jd¾;d flf¾'

wjodkfï§ jákdlu (VaR)

ksYaÑ; ld, mrdihla iy fok ,o úYajdiNdjfha uÜgu ;=,

fj<|fmd, wkqmd; iy ñ, ixp,khkays m%;sM,hla f,i mek k.sk

wjodkï ;;a;ajh fya;=fjka we;s úh yels w,dN ;lafiare lsÍu

i|yd fhdod .kakd l%ufõoh jkafka —wjodkfï§ jákdlu˜

;lafiare lsÍuhs' iufldgia ñ, wjodku iy úfoaY úksuh wjodku

l<ukdlrKh lsÍu iy ksÍlaIKh lsÍu i|yd nexl=j úiska

wNHka;ßlj wjodkfï§ jákdlu uekSfï wdlD;s ilia lr.kakd ,§'

nexl=j ndi,a III wkqj iufldgia wdYs%; wjodkfï§ jákdlu iy

úfoaY úksuh wdYs%; wjodkfï§ jákdlu .Kkh lrk w;r tys§

99] l úYajdih ;eîula iy Èk 10 l r|jd.ekSfï ld, mßÉfþohla

ie,ls,a,g .efka' Èk 365 l ld, mßÉfþohlg wod, jk ft;sydisl

o;a; fï i|yd i,ld nef,k w;r" nexl=fõ wjodkï wNsreÑhg

wkql+,j tu o;a; ksÍlaIKh flf¾' wk;=rej wod< ksÍlaIK w.hka

ffokslj ksfhdacH idudkHdêldÍ ^NdKavd.dr fufyhqï&$NdKavd.dr

bÈßfm< ld¾hd,h fj; jd¾;d lrkq ,efí' wod< iSud blaujk iEu

wjia:djlau j;alï yd j.lSï l<ukdlrK lñgqj" wdfhdack lñgqj

iy wOHlaI uKav, taldnoaO wjodkï l<ukdlrK lñgqj" wOHlaI

uKav,h fj; jd¾;d flf¾'

wNsreÑ iSud j,g idfmalaIj fldgia wjodkfï§ jákdlu – 2018

re' ñ,shk

cqks fkdje(Tla(iema(wf.daia;= foie(cQ,sck( ud¾;= wfma%a,a uehsfmn(

Equity VaR RAL Trigger RTL

175

140

105

70

35

0

igyk 21

úfoaY úksuh wjodkfï§ jákdlu – 2018

USD

fkdje( foie(ck( fmn( ud¾;= wfma%a,a uehs cqks cQ,s wf.daia;= iema( Tla(

50,000

40,000

30,000

20,000

10,000

0

igyk 22

wjodkï l<ukdlrKh



øjYS,;d wjodku

nexl=jg tys f.ùï iïnkaO j.lSï iïmQ¾Kfhka bgq lsÍug

m%udKj;a øjYS, uqo,a m%udKhla mj;ajd.ekSug fyda cks; lsÍug

fkdyels ùu fyda tfia l< yels jkafka ie,lsh hq;= wdldrfha

wjdisodhl ;;a;ajhla hgf;a ùu mdol lrf.k yg.kakd wjodku

øjYS,;d wjodku f,i ye|skafõ' .Kqfokqlrejka" m%;smd¾Yjhka"

kshduk wêldßh iy fjk;a md¾Yjlrejka nexl=j flfrys ;nd we;s

úYajdih wdrlaId lr.ekSu i|yd øjYS,;djh ld¾hlaIu wdldrfhka

l<ukdlrKh lsÍu w;HdjYH fõ' nexl=fõ mQ¾j ksYaÑ; wjodkï

wNsreÑhg wkql+,j øjYS,;d wjodku l<ukdlrKh lsÍfï j.lSu

NdKavd.drh fj; mejf¾'

nexl=fõ wjodkï me;slv iy fj<|fmd, ;;a;ajhka ie,ls,a,g

.ksñka kshduk yd úplAIKYS,S wjYH;d j,g wkql+,j nexl=j iqÿiq

øjYS,;d iSud mj;ajdf.k ;sfí'

.=Kd;aulNdjfhka by< øjYS,;d iïm;a m%udKj;a mßÈ mj;ajd.ekSu

iy øjYS,;d wjodkï wNsreÑh mj;ajd.ekSu i|yd iqÿiq yd m%udKj;a

wruqo,a m%jdyhla iy;sl lsÍu msKsi øjYS,;d wjodku l<ukdlrKh

lr.ekSu i|yd jk md,k ld¾hrduqj ilia lr we;' wNHka;r iy

kshduk øjYS,;d wjYH;djh imqrd.ekSu i|yd nexl=jg Wmldr

jk wjodku l<ukdlrKh lr.ekSu i|yd jk md,k ld¾hrduqj"

m%;sm;a;s ilia lsÍu" iudf,dapkh iy md,kh" úYaf,aIKh" wd;;s

mÍlaIdj" iSud ia:dms; lsÍu iy ksÍlaIKh hk ixfhdackfhka

iukaú; fõ'

wruqo,a iïmdok úúOdx.SlrKh

20.6%b;=reï ;ekam;=

66.4%ia:djr ;ekam;=

4.8%tlai;a ckmo

fvd,¾ Kh .eKqï

7.6%m%;sl%h .súiqï hgf;a

Kh .eKqï

0.6%WmÑ; Kh

2018

19.6%b;=reï ;ekam;=

57.1%ia:djr ;ekam;=

16.3%tlai;a ckmo

fvd,¾ Kh .eKqï

6.4%m%;sl%h .súiqï hgf;a

Kh .eKqï

0.6%WmÑ; Kh

2017

igyk - 23

nexl= YdLd cd,h Tiafia mq¿,a mrdihl me;sreKq mqoa.,sl yd

wdh;ksl ;ekam;alrejka iuqodhlg wh;a ;ekam;= /ila fj; m%fõY

ùfï yelshdj nexl=j i;= jk w;r" nexl=j uQ,sl wruqo,a iïmdokfha§

ia:djr wruqo,a m%Njhla f,i ta flfrys úYajdih ;nhs' Bg wu;rj

nexl=j wvq msßjehla iys; úfoaY uqo,a Kh ,nd.ekSu i|yd mj;sk

wjia:do m%fhdackhg .ksñka isà'

2018 j¾Ifha§" iuia; wruqo,a wdYs%; j.lSï remsh,a ì,shk 965'6 la

f,i igyka jQ w;r" bka 86'9] la ;ekam;= j,ska iukaú; fõ' Kh

.eKqïj,ska 7'6] la m%;sl%h .súiqï hgf;a issÿ lr ;sfnk w;r úfoaY

uqo,a Kh .eKqï 4'8] la f,i igyka úh'

Èjhsk mqrd úisß nexl=fõ YdLd cd,h Tiafia mqoa., ;ekam;=

^b;sßlsÍfï iy ia:djr ;ekam;=& fj; <Õdùu i|yd nexl=jg we;s

yelshdj fya;=fjka wruqo,a iïmdokh wdYs%; ixflakaøK wjodku

wju fõ'

md,k jHqjyh

fcHIaG l<ukdlrK uÜgfï§ j;alï yd j.lSï l<ukdlrK lñgqj

øjYS,;d wjodku wëlaIKh lrhs' wOHlaI uKav,h úiska wkqu;

lrk ,o øjYS,;djh iy nexl=fõ fj<|m, wjodkï l<ukdlrK

m%;sm;a;sh nexl=fõ m%Odk wjodkï md,k f,aLkh fõ'

fj<|fmd, wjodkï l<ukdlrK tallh úiska kshduk wkqmd;sl"

úplaIKYS,s wkqmd;sl iy j;alï yd j.lSïys l,amsÍfï me;slv

Ndú;fhka øjYS,;d wjodku ksÍlaIKh lrhs' tfiau" øjYS,;d w¾nqo

iy Kh w¾nqo wdYs%; wjia:d yd iajNdjhka fukau hï w¾nqoldÍ

wjia:djl jydu ls%hd;aul ùu i|yd wjYH fõ.h$ld,h ie,ls,a,g

.ksñka l,ska l,g wd;;s mÍlaId isÿ flf¾' wd;;s mÍlaId j, m%;sM,

iy øjYS,;d wkqmd;sl j;alï yd l<ukdlrK lñgqj iy taldnoaO

wjodkï l<ukdlrK lñgqj u`.ska wOHlaI uKav,h fj; oekqïfohs'

øjYS,;d wjodkï l<ukdlrK ls%hdj,sh

kshdulhka úiska ksl=;a lrk ,o wod< jHjia:dms; kshduk iy

wjodkï wNsreÑ ld¾hrduqj iu. wkql+, fjñka nexl=j øjYS,;djh

l<ukdlrKh lrhs' ksrka;rfhka ish j;alï moku Yla;su;a lsÍu

Wfoid wdOdr jk iqÿiq øjYS,;d m%udKhla" úúOdx.SlrKhla iy ld,

iSudjla nexl=j i;=j mj;sk nj øjYS,;d wjodkï l<ukdlrKh

Tiafia iy;sl flf¾'

nexl=j ndi,a III wjYH;d j,g wkql+,j øjYS,;d wjodkï o¾Yl

iy fuj,ï ksÍlaIKh lrñka ish øjYS,;d wjodkï l<ukdlrKh

lrhs' ksuejqï wdYs%; wruqo,a iïmdok úúOdx.SlrKh iy wOHlaI

uKav,h úiska wkqu; lrk ,o wjodkï wNsreÑ iSud flfrys

wkql+,;djh iy;sl lsÍu wruqKq lrf.k wjodkï l<ukdlrK

wxYh úiska jeo.;a m%;smd¾Yjhka fukau jeo.;a ksuejqï

iïnkaOfhkao wruqo,a iïmdok ixflakaøKh ksÍlaIKh lrkq ,nhs'

wjodkï l<ukdlrKh



Wml%ñl ^flá ld,Sk& øjYS,;d

wjodkï l<ukdlrKh

jHqyd;aul ^È.= ld,Sk& øjYS,;d

wjodkï l<ukdlrKh

iïNjH;d øjYS, wjodkï l<ukdlrKh

ffoksl øjYS,;d ;;a;aj

wëlaIKh lsÍu

jHqyd;aul jYfhka ukd uQ,H

;;a;ajhla mj;ajd .ekSu

mQ¾j wk;=re ye`.ùï o¾Yl wëlaIKh fldg

l<ukdlrKh lsÍu

øjYS,;d wdjrK wkqmd;slh iy Y=oaO

ia:djr wruqo,a wkqmd;slh wjodkï

wNsreÑhg wkql+, nj iy;sl lr.ekSu

wka;¾nexl= iy m%;sl%h ysÕ uÜgï

ksÍlaIKh lsÍu

jHqyd;aul uÜgfï øjYS,;d fkd.e,mSï

y`ÿkdf.k l<ukdlrKh lsÍu

iïNjH;d wruqo,a ie,iqï msysgqjd mj;ajd .ekSu

ffoksl uqo,a m%jdy wjYH;d

ksÍlaIKh lsÍu

p¾hd;aul l<UlrKh ;SrKh lsÍu iy

wod, lr.ekSu

ffokslj øjYS,;d wd;;s mÍlaId iy ixisoaê úYaf,aIK isÿ lsÍu

flá ld,Sk uqo,a m%jdy

l<ukdlrKh lsÍu

È.= ld,Sk uqo,a m%jdy l<ukdlrKh

lsÍu

wjYH kï øjYS,;d wjodkï wdmod l<ukdlrK lñgq le|ùu

ffoksl úfoaY úksuh øjYS,;djh

l<ukdlrKh lsÍu

úúOdx.SlrKh l< wruqo,a ixÑ;hla

mj;ajd .ekSu

wfmalaIs; wd;;s uÜgï wkqj øjYS,;d iajdrlaIl uÜgï

ia:dmkh lsÍu

j;alï yd l<ukdlrK lñgqj

úiska okajk ,o mßÈ jHqyd;aul iy

iïNjH;d øjYS,;d wjYH;d j,g

wkqj ;ekam;= wkqmd; ilia lsÍu

ld,Sk wruqo,a iemhSfï wjYH;djh

ms<sn|j oekqï§u

øjYS,;d iajdrlaIl l<U úúOdx.SlrKh lsÍu ms<sn|

Wmfoia ,nd§u

úfoaY úksuh øjYS,;djh ;lafiare lsÍu ndi,a III øjYS,;d wjYH;d iu. wkql+,;djh iy;sl lsÍu

øjYS,;d wjodkï wNsreÑh ia:dms; lsÍu

øjYS,;d ñ, msßjeh iqÿiq mßÈ mejÍu

;yjqre lr.ekSu

øjYS,;d l<ukdlrK ls%hdj,sh

j.=j 8

kshduk wkqmd;sl

jHjia:dms; øjYS,;d j;alï wkqmd;slh iy øjYS,;d wdjrK

wkqmd;slh udislj ksÍlaIKh flfrk w;r" Y=oaO ia:djr wruqo,a

iïmdok wkqmd;slh ld¾;=uh mokula u; ksÍlaIKh flf¾'

nexl=j ndi,a III hgf;a id¾:lj øjYS,;d wjYH;d mj;ajdf.k ;sfí'

øjYS,;d wdjrK wkqmd;slh 100] blaujd we;s w;r" jHjia:dms;

øjYS,;d j;alï wkqmd;slh wju kshduk wjYH;djh 20] blaujd

;sfí' tu ;;a;ajhg m%Odk jYfhkA fya;=jQfha by< øjYS,;djhla

iys; rdcH iq/l=ïys nexl=fõ ;ekam;= j,ska 60]la ;ekam;a lsÍfï

wksjd¾h wjYH;djhhs'

nexl=j ndi,a III hgf;a Y=oaO ia:djr wruqo,a iïmdok wkqmd;slh

i|yd jk kshduk wjYH;djh uekúka imqrd we;' fuu ;;a;ajh

<Õd lr.kakd ,oafoa jvd ia:djr mqoa., ;ekam;= mokula ysñlr

.ekSu u`.sks'

foieïn¾

2018

]

foieïn¾

2017

]

wju kshduk

wjYH;djh

]

jHjia:dms; øjYS,;d

j;alï wkqmd;slh –

foaYSh nexl= tallh 54.88 73.44 20

øjYS,;d wkdjrK

wkqmd;slh – remsh,a 245.06 377.57 90

øjYS,;d wkdjrK

wkqmd;slh – ish¿ uqo,a

tall 321.29 376.18 90

Y=oaO ia:djr j;alï

wkqmd;slh 147.00 135.45 90

kshduk wkqmd;sl

j.=j 9

wjodkï l<ukdlrKh



kshduk wkqmd;sl j, m%jk;d

%

øjYS,;d wdjrK wkqmd;slh îsh¨ uqo,a tall& øjYS,;d wdjrK wkqmd;slh ^remsh,a& jHjia:dms; øjYS,;d j;alï wkqmd;slh

450

400

350

300

250

200

ck( fmn( ud¾;= wfma%a,a uehs cqks cQ,s wf.daia;= foie(Tla( fkdje(iema(

%

80

74

68

62

56

50

igyk 24

l,a msÍfï mr;rh udi 3

olajd

re' Z000

udi 3-12

re' Z000

wjqreÿ 1-3

re' Z000

wjqreÿ 3-5

re' Z000

wjqreÿ 5g

jeä

re' Z000

31.12.2018Èkg uq`M j;alï

re' Z000

.súiqï.; l,amsÍula iys; j;alï

^fmd,sh iys; j;alï&

uqo,a yd uqo,a j,g iudk fjk;a idOl 13,528 – – – – 13,528

nexl= j, /|jQ uqo,a 8,962,285 8,626,160 – – – 17,588,445

idOdrK jákdlï u; uksk ,o ,dN fyda w,dN

Tiafia y÷kd.kakd ,o uQ,H j;alï 526,079 45,164 1,562,229 5,587,752 7,080,240 14,801,463

l%ulaIh jQ msßjeh u; uQ,H j;alï

– Kh yd w;a;sldrï 24,859,047 76,313,691 116,389,323 75,402,639 130,567,445 423,532,145

– Kh yd fjk;a WmlrK 36,694,607 60,416,015 100,748,159 124,717,849 196,371,339 518,947,969

idOdrK jákdlï u; uksk ,o fjk;a úia;SrK

wdodhï Tiafia y÷kd.kakd ,o uQ,H j;alï 93,693 2,417 574,676 1,614,189 148,939 2,433,915

71,149,238 145,403,447 219,274,387 207,322,429 334,167,963 977,317,466

fjk;a j;alï

^fmd,sh rys; j;alï&

uqo,a yd uqo,a j,g iudk fjk;a idOl 3,420,996 – – – – 3,420,996

jHq;amkak uQ,H WmlrK 4,740,106 – – – – 4,740,106

idOdrK jákdlï u; uksk ,o ,dN fyda

w,dN Tiafia 469,730 1,409,189 – – – 1,878,919

idOdrK jákdlï u; uksk ,o fjk;a úia;SrK

wdodhï Tiafia y÷kd.kakd ,o uQ,H j;alï – – – – 3,750,515 3,750,515

mßmd,s; wdYs%; wdfhdack – – – – 1,700,000 1,700,000

foam<" msßh; iy WmlrK – – – – 13,465,755 13,465,755

fjk;a j;alï 845,513 9,129,458 8,887,211 6,541,719 5,805,314 31,209,217

9,476,345 10,538,647 8,887,211 6,541,719 24,721,584 60,165,507

uq¿ j;alï 80,625,583 155,942,094 228,161,598 213,864,148 358,889,547 1,037,482,973

l,amsÍfï mr;rh

wjodkï l<ukdlrKh



l,a msÍfï mr;rh udi 3

olajd

re' Z000

udi 3-12

re' Z000

wjqreÿ 1-3

re' Z000

wjqreÿ 3-5

re' Z000

wjqreÿ 5g

jeä

re' Z000

31.12.2018Èkg uq`M j;alï

re' Z000

.súiqï.; l,amsÍula iys; j.lSï

^fmd,sh iys; j.lSï&

nexl=j,g f.úh hq;= 58,368,770 6,718,543 12,031,832 – – 77,119,146

l%ulaIh jQ msßjeh u; uQ,H j.lSï

– ;ekam;=lrejkag f.úh hq;= 425,141,386 396,295,352 13,301,606 4,836,068 – 839,574,411

– wfkl=;a Kh ysñhkag f.úh hq;= 14,619,083 185,718 – – – 14,804,802

ksl=;a lrk ,o Kh iq/l=ï – 46,389,133 – 6,000,000 – 52,389,133

498,129,239 449,588,746 25,333,438 10,836,068 – 983,887,492

wfkl=;a j.lSï

^fmd,sh rys; j.lSï&

jHq;amkak uQ,H WmlrK – – 1,533 – – 1,533

úY%du m%;s,dN f.ùfï j.lSu – – – – 3,830,795 3,830,795

kdñl nÿ j.lSï – – – – 582,463 582,463

fjk;a j.lSï 2,750,829 875,249 794,715 779,046 247,437 5,447,277

mßmd,s;hkag f.úh hq;= 750 – – – – 750

m%ldYs; m%d.aOkh$mejrE m%d.aOkh – – – – 9,400,000 9,400,000

jHjia:dms; ixÑ; wruqo, – – – – 3,227,960 3,227,960

r|jd.;a wdodhï – – – – 4,622,080 4,622,080

fjk;a ixÑ; – – – – 26,482,625 26,482,623

2,751,579 875,249 796,248 779,046 48,393,360 53,595,481

uq¿ j;alï 500,880,818 450,463,995 26,129,686 11,615,114 48,393,360 1,037,482,973

j.=j 10

fjk;a øjYS,;d ksÍlaIK fuj,ï

j;alï iy j.lSï l,amsÍfï mr;rh ms<sn| úYaf,aIKh wys;lr

øjYS,;d uÜgï mqfrdal;kh lsÍug Wmldß fõ' Kh .eKqï by<

oeóu wruqKq lrf.k j¾Ih ;=,§ nexl=j úiska rdcH iq/l=ï

l<fUka fldgila wemhg ;nñka wruqo,a iïmdokh lrk ,§'

wruqo,a iïmdok iy øjYS,;d wjodkï l<ukdlrKh lsÍu i|yd

nexl=j úiska iuia; j;alï j,g idfmalaI Y=oaO Kh wkqmd;slh"

.Kqfokqlrejkaf.a ;ekam;= j,g idfmalaI Kh wkqmd;slh" flá

ld,Sk j.lSï j,g idfmalaI øjYS, j;alï wkqmd;slh" iuia; j;alï

j,g idfmalaI ñ,g .;a wruqo,a wkqmd;slh" iuia; Kh yd idfmalaI

j.lSï iy úYd, j.lSï ^;djld,sl wdfhdack& j,g idfmalaI Wmhk

j;alï ^;djld,sl wdfhdack& wkqmd;slh ksÍlaIKh lrkq ,nhs'

flá ld,Sk j.lSï j,g idfmalaI øjYS, j;alï wkqmd;slh iy

iuia; j;alï j,g idfmalaI ñ,g .;a wruqo,a wkqmd;slh yer

wfkl=;a wkqmd;sl jir ;=,§ Okd;aul m%jK;djhla fmkakqï lf<ah'

m%;sl%h .súiqï hgf;a Kh ,nd.ekSu iy wdh;ksl ;ekaam;= j,

by<hdu iuia; j;alï j,g idfmalaI ñ,g .;a wruqo,a

wkqmd;slh flfrys wys;lr n,mEï we;s lr ;sfí'

fldgia m%fõYh hgf;a øjYS,;d wkqmd;sl

ld¾;=j 1

2018

ld¾;=j 4

2018

ld¾;=j 3

2018

ld¾;=j 2

2018

%

60

45

30

15

0

-15

iuia; j;alï j,g

idfmalaIj Y=oaO Kh

Kh yd ;ekam;= flá ld,Sk j.lSï

j,g idfmalaIj

øjYS, j;alï

úYd, j.lSï – ;djld,sl

wdfhdack$Wmhk j;alï –

;djld,sl wdfhdack

iuia; j;alï j,g

idfmalaIj ñ,g.;a

wruqo,a

;ekam;=j,g

idfmalaIj Kh

igyk 25

wjodkï l<ukdlrKh



øjYS,;d yÈis wjYH;d ie,iqu

hï ksYaÑ; fyda fj<|fmd, w¾nqo wjia:d j, n,mEu ord.ekSug

nexl=j i;= yelshdj øjYS,;d yÈis wjYH;d ie,iqu u`.ska iy;sl

flf¾' nexl=fõ by< Kh fYa%Ks.; lsÍu iy NdKavd.dr ne÷ïlr

wem iq/l=ula ^m%;sl%h Kh .eKqï& f,i Ndú; lrñka wvq msßjehla

hgf;a Kh .ekSfï yelshdj" cd;sl b;sßlsÍfï nexl= mk; m%ldrj

;ekam;= j,ska 60] la rdcH iq/l=ïys ^by< øjYS,;djla iys;$wjodkï

rys; j;alï& wdfhdackh lsÍu u`.ska jeäÈhqKq lrhs'

fj<|fmd, wjodkï ksÍlaIK tallh ksrka;rfhkA øjYS,;d

wjodku ksÍlaIKh lrñka øjYS,;d o¾Yl iy wd;;s mÍlaId

iïnkaOfhka jd¾;d imhhs' tu jd¾;d" w¾nqoldÍ wjia:d j,g m%;spdr

oelaùug Wmldr jk Wmdhud¾. j,g wkqn, fok mQ¾j wk;=re

yeÕùula f,i ls%hdlrhs'

fufyhqï wjodku

fufyhqï wjodku" m%udKj;a fkdjk fyda wid¾:l wNHka;r

ls%hdj,s" mqoa.,hka iy moaO;s fyda ndysr isÿùï fya;=fjka mek k.sk

wjodku f,i ks¾jpkh l< yelsh' ffk;sl wjodku fufyhqï

wjodkug we;=<;a jqj;a lS¾;s kduh ydks ùfï wjodku iy

Wmdhud¾.sl wjodku Bg wh;a fkdfõ' nexl=j tys ffoksl fufyhqï

Tiafia mq¿,a mrdihl úysÿKq fufyhqï wjodkulg ksrdjrKh fõ¡

nexl=j u;=fjñka ;sfnk fufyhqï wjodkï wdYs%; .eg¿ ms<sn|j

wjfndaOfhka isák w;r" f;dr;=re ;dlaIK ì|jeàï" f;dr;=re

;dlaIK moaO;s j, wka;¾.; o;a; wkai;= ùu" kshduk wjodku"

fidrlï iy jxpd" ndysr md¾Yjhkaf.a fiajh ,nd.ekSu wdYs%;

wjodku iy wdlD;s wdYs%; wjodku jeks fufyhqï wjodkug wod<

mj;sk iy u;=fjñka ;sfnk m%jK;djhkaf.a n,mEu ie,ls,a,g

.ksñka fufyhqï wjodkï l<ukdlrK ld¾hh jd¾Islj

iudf,dapkh flf¾¡

f;dr;=re ;dlaIK ì|jeàï ihsn¾ m%ydr" ñksid w;ska isÿjk je/È iy Ôj ld,h bl=;ajQ oDvdx. fya;=fjka we;súh yels wl%ñl;d mokï

lrf.k f;dr;=re ;dlaIK ì|jeàï we;sfõ¡ tjeks ì|jeàïys msßjeh uQ,H jYfhka .Kkh lsÍu wmyiq jk w;r

nexl=fõ iuia; ord.ekSfï yelshdj flfrys n,mEula we;s lrhs¡

nexl=j f;dr;=re ;dlaIK ì|jeàï u`.ska cks; jk n,mEu wju lsÍu i|yd —jHdmdßl wLKav;d l<ukdlrK

moaO;sh˜ yd —wdmod m%;sidOk ie,eiau˜ Ndú; lrhs¡ wLKav ls%hdldÍ;ajhla iy ksis kv;a;=jla iu`.ska ldf,daÑ;

oDvdx. yd uDÿldx. moaO;shla nexl=j ;=, mj;sk nj f;dr;=re ;dlaIK kshduk lñgqj úiska iy;sl lrkq ,nk

w;r f;dr;=re wdrlaIK wxYh ta i|yd nexl=j ;=, ls%hd;aul jk md,k j, M,odhS;djh ksÍlaIKh lrhs¡

f;dr;=re ;dlaIK moaO;s j,

wka;¾.; o;a; wkai;=ùu

ihsn¾ m%ydr" mß.Kl moaO;shg wkjirfhka we;=¿ ùu" yÈis f;dr;=re ksrdjrKh lsÍï iy fiajlhkaf.a

fkdie,ls,a, fya;=fjka ryiH o;a; wkai;=ùu isÿúh yel¡

ixfõ§ o;a; iy f;dr;=re j, ryiHNdjh iy;sl lsÍu i|yd ksis ls%hdud¾. .ekSug yels jk wdldrfhka

wOHlaI uKav,h úiska wkqu; lrk ,o f;dr;=re wdrlaIK m%;sm;a;shla nexl=j ;=, ls%hdjg kxjd ;sfí¡ f;dr;=re

wdrlaIK tallh nexl=j tjeks wjodkulg uqyqKqmEug we;s yelshdj wju lsÍu i|yd m%;sm;a;s ld¾hrduqjla

ls%hd;aul lsÍu ;yjqre lrhs¡

wkql+,;d$kshduk wjodku kshduk wjodkfï úIhh m:h f.da,Sh jYfhka wLKavj mq¿,a fjñka ;sfí¡ m%d.aOkh" f;da,kh" wruqo,a

iïmdokh iy øjYS,;djh jeks lafIa;% wdYs%;j isÿ jk kshduk fjkialï nexl=fõ wjodkï l<ukdlrK

ls%hdj,sh flfrys ie,lsh hq;= n,mEula we;s lrhs¡ kshduk wêldßh ^YS% ,xld uy nexl=j& iy rch foaYSh yd

f.da,Sh kshduk m%ñ;Ska yd wkql+, jk f,i nexl= fj; wLKavj Wmfoia ,ndfohs¡

fr.=,dis j, úIhh m:h ie,lsh hq;= wldrfhka mq¿,a fjñka ;sfnk fyhska oekg ls%hd;aul fr.=,dis j,g

wkql+,ùu m%udKj;a fkdjk nj fmfka¡ tneúka cd;sl b;sßlsÍfï nexl=j fr.=,dis wdYs%;j u;=jg we;s úh yels

fjkialï j,go wkql+,ùu i|yd iQodkñka isà¡

fidrlï iy jxpd fidrlï iy jxpd" iq,Nj mek k.sk fufyhqï wjodku f,i y÷kajdÈh yels w;r ;dlaIKsl ÈhqKqj iy

äðg,alrKh iu. ihsn¾ jxpd flfrys jeä wjOdkhla fhduqù ;sfí¡ nexl=fõ wNHka;r md,k jHqyh fidrlï

iy jxpd wju lsÍfuys,d m<uq wdrlaIK ia:rh f,i ls%hd;aul fõ¡ nexl=j úiska j¾Ih ;=,§" ihsn¾ m%ydrlhka

fj;ska t,a, úh yels jxpd wju lsÍu wruqKq lrf.k jevmss<sfj, lsysmhla ls%hd;aul lrk ,§¡

ndysr md¾Yjhkaf.a fiajh

,nd.ekSu

ndysr fiajd imhkakkaf.a fiajh ,nd.ekSu by<hdu fya;=fjka mek k.sk wjodku ndysr md¾Yjhkaf.a

fiajh ,nd.ekSfï wjodku f,i y÷kajdÈh yelsh¡ ta wkqj" nexl=j ;=, ls%hd;aul jk ndysr md¾Yjhkaf.a

fiajh ,nd.ekSu ms<sn| m%;sm;a;shg wkql+,j iy ndysr md¾Yjhkaf.a fiajh ,nd.ekSug wod<j .súiqï j,g

t<öfï§ Tjqka ms<sn| f;dr;=re ksis mßÈ we.hSu" f;dr;=re wkdjrKh fkdlsÍu yd iïnkaO .súiqï j,g t<öu

jeks ls%hdud¾. f.k ;sfí¡

wdlD;s wdYs%; wjodku wdlD;s u; hemSfï m%jK;djh by<hdu wdlD;s ms<sn| ukd wjfndaOhla we;s lr.ekSu iy wdlD;s wjodku

l<ukdlrKh lsÍfï wjYH;djh u;= lrhs¡ o;a; j, .=Kd;aulNdjh" ;dlaIKsl fyda ls%hd;aul lsÍfï .eg¿ iy

o;a; w;r mj;sk iyiïnkaO wdYs%; fjkialï jeks idOl u; mokïj wdlD;s wdYs%; wjodku mek k.S¡

iQlaIu wdlD;s ks¾udKh lsÍu" o;a; j, .=Kd;aulNdjh j¾Okh lsÍu iy wdlD;s u.ska ckkh flfrk m%;sM,

Tiafia fuu wjodku j<lajd,Sug lghq;= flf¾¡

mj;sk iy u;=fjñka ;sfnk fufyhqï wjodkï

j.=j 11

wjodkï l<ukdlrKh



fufyhqï iudf,dapkh

nexl=jg uqyqKmEug isÿ jk jeä wjOdkhla fhduq l< hq;= wjodkï u; mokïj fufyhqï wjodku iudf,dapkh flf¾¡ fuys§ wju n,mEul§

wjOdkh fhduq lsÍug yels jk mßÈ ;SrKd;aul jHdmdßl ld¾hhka i|yd ord.ekSfï uÜgï ;SrKh lr we;'

fufyhqï wjodku iudf,dapkh lsÍu

wjodkï idOlh úia;rh ksÍlaIKh$l<ukdlrKh i|yd Ndú; fuj,ï ksrdjrKh n,mEu

fidrlï iy jxpd

wjodku

wNHka;r fyda ndysr md¾Yj úiska isÿ lrk

,nk jxpdldÍ ls%hd

jxpd wdYs%; wjodkï l<ukdlrKh iy

ls%hdj,sh

wNHka;r md,kúê

m%Odk fufyhqï wjodkï o¾Yl

ksÍlaIKh lsÍu

w,dN ckkh lrk isÿùï ksÍlaIKh

wjodkï md,k iajhx – ;lafiarej

uOHia: uOHia:

f;dr;=re ;dlaIK

ì|jeàï

wls%h fyda m%udKj;a fkdjk ls%hdj,s" moaO;s

iy f;dr;=re ;dlaIKh

wNHka;r md,kúê

f;dr;=re wdrlaIK l<ukdlrK moaO;sh

jHdmdr wLKav;d l<ukdlrK moaO;sh

m%Odk fufyhqï wjodkï o¾Yl ksÍlaIKh

isÿùï jd¾;dlrKh

by< uOHia:

wkql+,;d$kshduk

wjodku

kshduk wjYH;d imqrd,Sug wiu;aùu wkql+,;d jevigyka iy mÍlaIK


wkql+,;d wjodku i|yd ,l=Kq ,nd§fï

l%ufõoh

uOHia: uOHia:

ffk;sl wjodku ffk;sl wjYH;d iu. wkql+,ùug

wiu;aùu$wkql+,;djh m%udKj;a fkdùu

ish¿ .súiqï.; j.lSï wdYs%; ffk;sl .eg¿

ksrdlrKh lsÍu


uOHia: my<

)by< wd;;s uÜgul§ bmehSu iy m%d.aOkh u; we;s úh yels n,mEu

igyk 26

md,k jHqyh

nexl=fõ fufyhqï wjodkï l<ukdlrK ld¾hrduqj u`.ska oekg

mj;akd iy u;= fjñka ;sfnk fufyhqï wjodkï flfrys wjOdkh

fhduq lrñka ;sridr fufyhqï ls%hdj,shla we;s lsÍu iy úêu;a

md,k jHqyhla ms<sn| ú.%y lsÍu isÿ flf¾'

my; oelafjk m%;sm;a;s" fufyhqï wjodkï l<ukdlrK ld¾hrduqj

Yla;su;a lrhs¡

f;dr;=re wdrlaIK m%;sm;a;sh

jHdmdßl wLKav;d l<ukdlrK moaO;sh ms<sn| m%;sm;a;sh

jxpd wjodku l<ukdlrKh iy pxpd fy<sorõ lsÍfï m%;sm;a;sh

ndysr md¾Yjhkaf.a fiajh ,nd.ekSug wod< m%;sm;a;sh

M<odhS md,k jHqyh iy fcHIaG l<ukdldÍ;ajfha wëlaIKh hgf;a

nexl=fõ fufyhqï wjodkï l<ukdlrK ld¾hrduqj n,.ekafõ'

wOHlaI uKav, taldnoaO wjodkï l<ukdlrK lñgqfõ iyfhka

fufyhqï wjodkï l<ukdlrKh ls%hd;aul lsÍfï j.lSu wOHlaI

uKav,hg mejf¾'

wjodkï md,k jHqyh

fufyhqï wjodku iòyd m%d.aOk .Kkh lsÍu

wNHka;r

w,dN wjodkï iy

md,k iajhx

;lafiarej

wd;;s

mÍCIdj

yd ixisoaê

úYaf,aIKh

m%Odk

fufyhqï

wjodkï

o¾Yl ndysr

w,dN

fufyhqï w

jodk

u l

<uk

dlrK

h fufyhqï wjodku úYaf,aIKh" jd¾;dlsÍu" ksÍlaIKh

iy iudf,dapkh

igyk 27

wjodkï l<ukdlrKh



fufyhqï wjodkï ksÍlaIK lñgqj fufyhqï wjodkï l<ukdlrKh

wëlaIKh lsÍu i|yd lemù isà¡ Bg wod< md,k jHqyh we;=¿j

fufyhqï wjodkï l<ukdlrK ld¾hrduqj ilia lsÍu" ls%hd;aul

lsÍu iy mj;ajd.ekSfï j.lSu wjodkï l<ukdlrK wxYfha

fufyhqï wjodkï l<ukdlrK tallh fj; mejf¾' fufyhqï

wjodkï l<ukdlrK tallh fj; mejÍ ;sfnk j.lSï my;

mßÈ fõ'

m%;sm;a;s iduf,dapkh lsÍu$hdj;ald,SSk lsÍu

wjodkï iy md,k iajhx ;lafiarej" m%Odk fufyhqï wjodkï

o¾Yl" w,dN cks; lrk isÿùï ms<sn| o;a; Wmfhda.S lrf.k

fufyhqï wjodku ;lafiare lsÍu

jHmdr wLKav;d l<ukdlrK moaO;sh ls%hd;aul lsÍu iy

ksÍlaIKh lsÍu

f;dr;=re wdrlaIK l<ukdlrK moaO;sh ksÍlaIKh lsÍu

ndysr md¾Yjhkaf.a fiajh ,nd.ekSug wod< wjodku

ksÍlaIKh lsÍu

kj ksuejqï$ls%hdj,s iudf,dapkh lsÍu

fufyhqï wjodkï l<ukdlrK lñgqjg iy wOHlaI uKav,

taldnoaO wjodkï l<ukdlrK lñgqj u`.ska wOHlaI uKav,h

fj; jd¾;d lsÍu

fufyhqï wjodku l<ukdlrK ls%hdj,sh

nexl=j tys ish¿ fufyhqï lafIa;% fj;ska mek k.sk fufyhqï

wjodku l<ukdlrKh lsÍu i|yd mq¿,a m%fõYhla wkq.ukh lrhs¡

nexl=fõ fufyhqï iy$fyda ndysr isÿùï yd iïnkaO mqoa.,hka"

ls%hdj,s iy moaO;s wdYs%;j fufyhqï wjodku mek k.S¡

nexl=fõ wjodkï wNsreÑhg idfmalaIj fufyhqï wjodkï me;slv

ú.%y flfrk w;r nexl=fõ wjodkï ixialD;sfhys fldgila f,i

wjodkï l<ukdlrKh ls%hdjg kef.a¡ wOHlaI uKav,h iy fcHIaG

l<ukdldÍ;ajh we;=¿ ish¿ uÜgï j, lemùu u; fuu ls%hdj,Skays

M<odhSNdjh ;SrKh fõ¡

YdLd iy wxY j, fiajl uKav,h fufyhqï wjodkfï m%d:ñl

ysñlrejka fõ¡ Tjqkag wod< j.lSï lafIa;% wdYs%; ffki¾.sl wjodkï

ms<sn|j meyeÈ,s wjfndaOhla ,nd.ekSu i|yd wjeis m%udKj;a

mqyqKqjla Tjqkag ,nd§ we;' moaO;s md,k" m%fõY md,k" rdcldÍ fnod

oelaùu" .kqfokq j, ksje/ÈNdjhg wod< meyeÈ,s n,;, yd j.lSï"

.kqfokq n,d;aul iy ;yjqre lsÍu Tiafia oajkaO md,kh" j;alï u;

fN!;sl md,k" jd¾;d ;nd.ekSu yd iïnkaO ksis l%ufõo" iei|Sï"

ú.Kk fydavqjdjka iy ú.Kk f,d.a fmd;a nexl=fõ fufyhqï

wjodkï l<ukdlrKfha moku jk tlS wNHka;r md,k moaO;shg

wh;a fõ'

moaO;s iy md,k wdYs%; ÿ¾j,;d ksje/È lsÍfï wruqKska wjodkï

l<ukdlrK wxYfha fufyhqï wjodkï l<ukdlrK tallh

wjodkï y÷kd.kS¡

nexl=j fufyhqï wjodku wju lr.ekSu i|yd úúO fuj,ï iy

l%ufõo Ndú; lrhs¡

w,dN we;s lrk isÿùï ms<sn| o;a; /ialsÍu iy úYaf,aIKh

w,dN we;s lrk isÿùï ms<sn| o;a; /ialsÍu iy úYaf,aIKh"

ukd fufyhqï wjodkï l<ukdlrKhl m%Odk wx.hla fukau jvd

ÈhqKq m%d.aOk .Kkh lsÍfï wdlD;s Ndú;d lsÍu i|yd iqÿiqlï

,eîug imqrd,sh hq;= ks¾kdhlhla jYfhkao ndi,a ix.%yh u`.ska

y÷kajd§ ;sfí¡

nexl=fõ w,dN we;s lrk isÿùï ms<sn| o;a; /ia lsÍfï ls%hdj,sh

u`.ska wNHka;r fukau ndysr mdvq we;s lrk ls%hdldrlï wdjrKh

flf¾¡ ksis l,g kshduk wêldÍka fj; jd¾;d lsÍu iy y÷kd.ekSu

i|yd ish¿ N+f.da,Sh msysàï j, isg wNHka;r w,dN we;s lrk isÿùï

ms<sn| o;a; y÷kd.ekSu iy /ialsÍu i|yd f,aLK.; lrk ,o

ls%hdj,shla nexl=j i;=j ;sfí¡ tfiau" tjeks wfkl=;a wdh;k úiska

m%ldYhg m;a lrk ,o fufyhqï w,dN we;s lrk isÿùïo nexl=fõ

ndysr w,dN we;s lrk isÿùï ms<sn| o;a; .nvdj u.ska .%yKh flf¾¡

tf,i /ia lrk ,o f;dr;=re ndi,a uÜgu II hgf;a j¾.SlrKh

flfrk w;r jeäÈhqKq lsÍï iy wjodku wju lsÍu i|yd jk

ls%hdud¾. ls%hdjg kexùu i|yd wod< isÿùfï iajNdjh" Bg uQ,sl jQ

idOl iy tjekakla we;sùfï iïNdú;dj úYaf,aIKh flf¾¡

2018 j¾Ifha§" iajhxlS%h mßirhla ;=, ls%hd;aul jk fiajd

imhkafkl=g wdfõKsl jQ isÿùula jk jHdmdßl yd moaO;s ì|

jeàï isÿùfï jdr .Kk by< f.dia ;sìK¡ jir ;=,§ wNHka;r

jxpd u`.ska isÿjq ydksh fya;=fjka by< uQ,Huh n,mEula jd¾;d úh¡

jxpd wjodku l<ukdlrKh lsÍu i|yd nexl=fõ oekg ls%hd;aul

wNHka;r md,k j,g wu;rj jxpd wjodkï l<ukdlrK iy

whistle blowing m%;sm;a;shlao ia:dms; lr ;sfí¡

w,dN ckkh lrk isÿùïys ixLHd;h

%

2017 2018

EFIF EPWS EDPMDPA BDSFCPBP

12 9

20 21

1622

4650

50

40

30

20

10

0

IF – wNHka;r jxpd

EF – ndysr jxpd

EPWS – fiajd kshqla;slhkaf.a ls%hdldrlï iy

rdcldÍ ia:dkfha wdrlaIdj

CPBP – .kqfokqlrejka" ksuejqï iy jHdmdr ls%hdldrlï

DPA – fN!;sl j;alïj,g ydks

BDSF – jHdmdr ì|jeàï iy moaO;s ì|jeàï

EDPM – ls%hd;aul lsÍu" iemhSu iy ls%hdj,s l<ukdlrKh

2 2

igyk 28

wjodkï l<ukdlrKh



w,dN ckkh lrk isÿùïys W.%;djh

%

2017 2018

EFIF EPWS EDPMDPA BDSFCPBP

75

60

45

30

15

0

69

17 19

10

6810 5

IF – wNHka;r jxpd

EF – ndysr jxpd

EPWS – fiajd kshqla;slhkaf.a ls%hdldrlï iy

rdcldÍ ia:dkfha wdrlaIdj

CPBP – .kqfokqlrejka" ksuejqï iy jHdmdr ls%hdldrlï

DPA – fN!;sl j;alïj,g ydks

BDSF – jHdmdr ì|jeàï iy moaO;s ì|jeàï

EDPM – ls%hd;aul lsÍu" iemhSu iy ls%hdj,s l<ukdlrKh

2

igyk 29

2018 uQ,H j¾Ih i|yd jk fufyhqï w,dN miq.sh j¾I ;=k i|yd

ú.Kkh lrk ,o idudkH o< wdodhfuka 0¡16] lajQ w;r th

wNHka;ßl wjodkï uÜgug jvd b;d wvq uÜgul mej;sK¡ tu

m%jK;djh miq.sh jir myl ld, mßÉfþoh ;=, w,dN b;d wju

uÜgul mj;ajd.ekSfuys,d nexl=fõ tald.%;djh fmkakqï lrhs¡

wjodkï wNsreÑh yd ord.ekSfï iSudjg

idfmalaIj ;;H fufyhqï w,dN

%

;;H wjodkï

wNsreÑ uÜgu

wjodku

ord.ekSfï uÜgu

2014 2015 201820172016

2.50

2.00

1.50

1.00

0.50

0

igyk 30

m%Odk fufyhqï wjodkï o¾Yl ksÍlaIKh lsÍu

isÿùfï jdr .Kk iy n,mEu iïnkaOfhka jk wjodkï idOl

fmkakqï lrk fyhska wjodkï ksÍlaIKh iy wjodkï jd¾;d lsÍu

by< kexùu i|yd m%Odk fufyhqï wjodkï o¾Yl fhdod .efka¡

hï ls%hdjla wdYs%;j we;súh yels wjodku" m%Odk fufyhqï wjodkï

o¾Yl u`.ska ;lafiare flfrk w;r nexl=fõ uQ,H" fufyhqï"

lS¾;s kdu" wkql+,;d fyda Wmdhud¾.sl .eg¿ iïnkaOfhka mQ¾j

wk;=re yeÕùfï o¾Yl f,io ls%hd;aul fõ'

ú.Kk .eg¿ l<ukdlrKh" jHdmdr wLKav;d l<ukdlrKh"

f;dr;=re wdrlaIK l<ukdlrKh" ksuejqï j, .=Kd;aulNdjh"

ls%hdj,skays .=Kd;aulNdjh iy wkql=,;djh hk lafIa;% wdjrKh

flfrk wjodkï kHdihla Tiafia fufyhqï wjodkï me;slv

y÷kd.ekSu iy ;lafiare lsÍu wruqKq lrf.k nexl=fõ m%Odk

fufyhqï wjodkï o¾Yl u`.ska nexl=fõ m%Odk jHdmdßl fufyhqï

iy Wmldrl fiajd wdjrKh flf¾' fuu lvbï iSud jd¾Islj fyda

fufyhqï mßirfha fjkialï ie,ls,a,g f.k j¾Ihla ;=, tla

jrlg jvd jeä ld,iSudjl§ ixfYdaOkh flf¾'

m%Odk fufyhqï wjodkï o¾Yl Wmfhda.S lr.ksñka fufyhqï

wjodkï ksÍlaIK tallh úiska fufyhqï wjodkï me;slv

ksÍlaIKh lrkq ,nk w;r" tu ksÍlaIK wOHlaI uKav, taldnoaO

wjodkï l<ukdlrK lñgqj u.ska fufyhqï wjodkï l<ukdlrK

lñgqj iy wOHlaI uKav,h fj; jd¾;d lrkq ,nhs'

wjodkï md,k iajhx ;lafiarej

nexl=j uqyqKmdk fufyhqï wjodku" wjfndaO lr.ekSu" md,kh

lsÍu iy wëlaIKh lsÍu iy jeä ÈhqKq lsÍu i|yd jk wjodkï

y÷kd.ekSfï iy l<ukdlrKh lsÍfï ls%hdud¾. taldnoaO lsÍug

yd iïnkaëlrKh lsÍug wjodkï md,k iajhx ;lafiarej Tiafia

nexl=jg wjia:dj ie,fik fyhska th nexl=fõ iuia; fufyhqï

wjodkï ld¾hrduqfõ uQ,sl fldgila f,i y÷kajdÈh yelsh¡ wjodkï

iy md,k iajhx ;lafiarej" jHdmdßl ls%hdj,s ysñlrejka$m<uq

wdrlaIK ia:rh Tjqkaf.a wjodkï uekúka y÷kd.kS hk mßl,amkh

u; mokï ù ;sfí' laIKsl wjOdkh wjYH wjodkï ms<sn|j

oekqj;aNdjh j¾Okh lsÍug iy jHqyd;aul wdldrhlska fufyhqï

ÿ¾j,;d i,ld ne,Su flfrys m%uqL;dj ,nd§ug th Wmldr fõ'

ls%hdj,s uÜgfï wjodkï y÷kd.ekSu iy ls%hdj,s uÜgfï§ nexl=fõ

wjodkï kdu f,aLKh hdj;ald,Sk lr.ekSu i|yd wjodkï md,k

;lafiarej isÿ lsÍfuys,d wjodkï l<ukdlrK wxYh úiska ls%hdj,s

ysñlrejka iu. iïnkaëlrKh lrk ,§'

.Kqfokqlrejkaf.a meñKs,s l<ukdlrKh

.=Kd;aulNdjfhka by< .Kqfokqldr fiajdjla iy;sl lsÍu i|yd

.Kqfokqlrejkaf.a meñKs,s ms<sn| jd¾;djla mj;ajd .ekSu iy

meñKs,a, ,eî .;jk iïu; ld, iSudj ;=,§ Bg m%;spdr oelaùu

nexl=fõ .Kqfokqlrejkaf.a meñKs,s l<ukdlrKh lsÍfï ls%hdj,shg

we;=<;a fõ'

wjodkï l<ukdlrKh



.Kqfokqlrejkaf.a meñKs,s nexl=fõ fufyhqï ÿ¾j,;d iy

fufyhqï wdYs%; wjodkï y÷kd.ekSfï m%Njhla f,i fufyhqï

wjodkï tallh úiska i,lkq ,nhs' .Kqfokqlrejkaf.a meñKs,s j,g

wod< o;a; fufyhqï wjodkï ksÍlaIK tallh úiska l,ska l,g

iudf,dapkh lrkq ,nk w;r wod< f;dr;=re ;jÿrg;a j<lajd,Sfï

ls%hdud¾. .ekSu i|yd fufyhqï wjodkï l<ukdlrK lñgqj fj;

jd¾;d flf¾'

kj ksuejqï iy ls%hdj,s wjodkï ;lafiarej

nexl=j tys kj ksuejqï y÷kajd§u iy oekgu;a y÷kajd§ ;sfnk

ksuejqï iudf,dapkh lsÍu i|yd jk ls%hdj,sh jvd úêu;a lr

;sfí' tla tla ksuejqu iy wod< fufyhqï ls%hdldrlï wdYs%;

fufyhqï wjodku wju lsÍu ta Tiafia iy;sl flf¾' kj ksuejqï

nexl=j ;=, y÷kajd§u$ls%hd;aul lsÍug m%:u tu ksuejqï" ud¾. iy

ls%hdj,s wdYs%;j mek k.sk fufyhqï wjodku" fufyhqï wjodkï

l<uKdlrK tallh úiska ;lafiare lrkq ,nhs' ;jÿrg;a tu

ksuejqï u`.ska nexl=j flfrys we;s lrk fufyhqï wjodku wju

lsÍu i|yd fufyhqï wjodkï l<ukdlrK tallh úiska tjeks

y÷kajd§ï$ls%hd;aul lsÍïj,ska miqjo iudf,dapk isÿ lrkq ,nhs'

f;dr;=re wdrlaIK wjodkï l<ukdlrKh

uQ,H fiajd moaO;s wdYs%;j isÿ fjñka ;sfnk f;dr;=re ;dlaIK

m%.ukhka uÕska nexl=fõ jHdmdßl wdlD;sh fnfyúka fjkia

lr ;sfí' wOHlaI uKav,h úiska wkqu; lrk ,o f;dr;=re

wdrlaIK m%;sm;a;sh u`.ska m%ldYhg m;a lr ;sfnk f;dr;=re Tiafia

wdrlaIK l<ukdlrK ld¾h rduqj uÕska ksis md,kh" f;dr;=rej,

ksrjoHNdjh" mQ¾K;ajh iy ryiHNdjh w;ska iqrlaIs; nexl=

fiajdjla ia:dms; lsÍfuys,d wjeis mßirh ilia fõ'

nexl=j ish jeo.;a f;dr;=re j;alï wdrlaId lsÍu i|yd wOHlaI

uKav,h úiska wkqu; lrk ,o f;dr;=re wdrlaIK m%;sm;a;shla

ls%hdjg kxjd we;'

ta wkqj" f;dr;=re wdrlaIK wjodkï l<ukdlrKh jvd

úplaIKYS,Sj iy;sl lsÍu i|yd cd;sl b;sßlsÍfï nexl=j úiska

f;dr;=re ikaksfõok ;dlAIK iïnkaO há;, myiqlï iy

ls%hdj,ska jeä ÈhqKq lrk ,§'

lafIa;%fha úfYaI×hkaf.a iyh we;sj uQ,sl wdrlaIK m%ñ;Ska

(Baseline Security Standards - BSS) iu. wkql+, ùug iy ISO

^27001 ( 2013& iy;slh ,nd.ekSu i|ydo mshjr f.k we;' f;dr;=re

wdrlaIK tallh úiska fuu ls%hdj,sh isÿ lrkq ,nk w;r" f;dr;=re

;dlaIK kshduk lñgqj iy fufyhqï wjodkï l<ukdlrK lñgqj

Tiafia th ksÍlaIKh flf¾'

f;dr;=re wdrlaIK wjodkï l<ukdlrK

ls%hdj,sfha m%Odk lafIa;%

kshduk

fjkialï

l<ukdlrKh

m%;sm;a;s yd

ls%hdj,s

l<ukdlrKh

idlaIs

l<ukdlrKh

wjodku

;lafiare lsÍumqyqKq lsÍu

wkql+,;d

l<ukdlrKh

igyk 31

jHdmdr wLKav;d l<ukdlrK moaO;sh

nexl=fõ fiajd" ksuejqï iy fufyhqï" ì|jeàï iy ndOdj,ska f;drj

wLKavj iemhsh hq;= nj jHdmdr wLKav;d l<ukdlrK moaO;sh

ms<sn| m%;sm;a;sh u`.ska y÷kd.efka' iajdNdúl úm;a" yÈis wk;=re"

úÿ,sh yd n,Yla;sh ì| jeàï" ikaksfõok" .ukd.uk" wdrlaIl iy

fiajd lafIa;% j, isÿúh yels ì| jeàï" mßir ¥IKh iy ydkslr øjH

bysreï jeks mdßißl úm;a" ihsn¾ m%ydr iy fjí wvú yd mß.Kl

moaO;s j,g kS;s úfrdaëj we;=¿ùï ^wmydrl ls%hdldrlï& jeks yÈis

wjia:d j,§ ls%hd;aulùu i|yd wjYH iïm;a iy f;dr;=re" wOHlaI

uKav,h úiska wkqu; lrk ,o jHdmdr wLKav;d l<ukdlrK

ld¾hrduqj u`.ska úuiSug ,la lrkq ,nhs'

óg wod<j l,ska l,g isÿ flfrk mÍlaIdjka Tiafia oekg ls%hd;aul

ie,iqfuys ÿ¾j,;d m%;s.%yKh lr.ekSug iy th jeäÈhqKq lr.ekSu

i|yd wjia:dj ie,fia' jHdmdr wLKav;d ie,iqula úiska uQ,H"

fufyhqï iy lS¾;s kduh wdYs%; w,dN wju lrkq ,nhs'

jHdmdr wLKav;d l<ukdlrK ls%hdj,sh

by<

l<ukdldß;ajfha

lemùu

l<ukdlrK

ls%hdj,sh wdrïN

lsÍu

wjodkï iy

wNsfhda.

y÷kd.ekSu

wjodkï

;lafiarej

jHdmdßl

n,mEï

úYaf,aIKh

Wmdhud¾.

ilia lsÍu

ie,iqu ilia lsÍu

iy ls%hd;aul lsÍu

mÍlaIK ls%hd;aul

lsÍu iy ie,iqu

wLKavj mj;ajd

.ekSu

igyk 32

wjodkï l<ukdlrKh



wjodkï mejÍu

M,odhS f,i msßjeh wju lr.ekSfï l%ufõohla yd wjodkï mejÍfï

Wmdhud¾.hla f,i ndysr md¾Yj fiajfha fhoùu Wmfhda.S lr.efka'

wOHlaI uKav,h úiska wkqu; lrk ,o ndysr md¾Yj fiajfha fhoùu

ms<sn| m%;sm;a;sh iy fjk;a kshduk wjYH;d j,g wkql+,j nexl=fõ

ndysr md¾Yj fiajfha fhoùfï fufyhqï isÿ flf¾'

tf,i jHdmdßl fufyhqï i|yd ndysr md¾Yjhkaf.a fiajh ,nd.ekSu

wdYs%; wjodku l<ukdlrKh lsÍu mßmd,k wxYfha msysgd we;s ndysr

md¾Yjhkaf.a fiajh ,nd.ekSu ksÍlaIKh lsÍfï tallh úiska isÿ

lrkq ,nhs'

tu fiajd ,nd.kakd fiajd imhkakka tu ld¾hhka ksis mßÈ bgq

lsÍug iu;a nj ;yjqre lr.ekSu i|yd nexl=j mq¿,a jQ we.hSula isÿ

lrhs' fufyhqï wjodkï l<ukdlrK lñgqj úiska ndysr md¾Yj

fiajfha fhoùfï ld¾hfha iy mßmd,k wxYh úiska Ndú;d lrk

wjodkï l<ukdlrK l%ufõo j, M<odhS;dj ksÍlaIKh lrkq ,nhs'

fufyhqï wjodkï mejÍfï l%ufõohla f,i rlaIKh m%Odk

ld¾hhla bgq lrhs' rlaIK fiajd imhkafkl= fj; rlaIKh

l< yels m%Odk wjodku mejÍu tys§ isÿfõ' iajdNdúl úm;a"

.sks .ekSï wdÈh fya;=fjka fN!;sl j;alï j,g ydks isÿùu jeks

—ÿ,Nj isÿjk by< n,mEula˜ iys; isÿùï wdjrKh lsÍu i|yd

rlaIK uQ,O¾u Ndú; fõ'

nexl=jg wod<j mj;sk yd u;=fjñka ;sfnk wjodkï ie,ls,a,g

.ksñka rlaIK m%;sm;a;sfha m%udKj;aNdjh wLKavj idudf,dapkh

flf¾' rlaIK wdjrK ld¾hhka mßmd,k wxYh ;=, uOH.;ù ;sfí'

fufyhqï wjodkï l<ukdlrK lñgqj úiska rlaIK ls%hdj,skays

M<odhS;djh ksÍlaIKh flf¾'

ffk;sl wjodku

ndi,a kshduk úiska ks¾jpkh lrkq ,en we;s mßÈ ffk;sl wjodku

fufyhqï wjodkfuys fldgila fõ' je/È f,i iïmdokh lrk ,o

fldka;%d;a .súiqï iy tajd ls%hd;aul lsÍu" ov iy oKavKSh ydks

j,g u`. mdok ,sÅ; .súiqï fyda m%udKj;a wdldrfha ,sÅ; .súiqï

fkdue;s ùu fya;=fjka w,dN isÿùfï wjodku ffk;sl wjodku

hkakg we;=<;a fõ' my; oelafjk ls%hdud¾. Tiafia ffk;sl

wjodku l<ukdlrKh flf¾'

.Kqfokqlrejka fyda fiajd imhkakka jeks f;jk md¾Yj iu`.

.súiqï.; jHdmdßl in|;d j,g t<öfï§ jHdmdßl fufyhqï j,g

wod< ish¿ kS;s mQ¾K jYfhka ie,ls,a,g .kakd nj iy;sl lsÍu

tjeks ish¿ .ssúiqï.; in|;d" wjYH ,sms f,aLK u; mokï jk

nj iy;sl lsÍu

ksuejqï yd ls%hdj,s y÷kajd§fï§$iudf,dapkh lsÍfï§ kS;s iy

fr.=,dis iu. wkql+,;djh iy;sl lsÍu i|yd iqÿiq hdka;%Khla

ia:dms; lsÍu

ffk;sl wjodku l<ukdlrKh lsÍfï j.lSu kS;s wxYfha

u`.fmkaùu hgf;a nexl= jHdmdr lghq;=j,g iDcqju iïnkaO jk

wNHka;r md¾Yjhka fj; mjrd ;sfí' kS;s wxYh nexl=fõ kS;s

wjodku Wmdhud¾.slj l<ukdlrKh lsÍfuys kshqla;j isà'

fufyhqï wjodkï l<ukdlrK tallh úiska ffk;sl ls%hdj,s iy

kS;s moaO;s fya;=fjka we;s úh yels fufyhqï wdYs%; mdvq iy.; isÿùï

l,ska l,g ksÍlaIKh lrk ,ÿj fufyhqï wjodkï l<ukdlrK

lñgqj fj; jd¾;d lrkq ,nhs'

wkql+,;d wjodku

nexl= lafIa;%h ;=, n,meje;afjk kS;s yd fr.=,dis" wdpdr O¾u

ix.%yh iy mßphka wdYs%; m%ñ;s iu. wkql+, fkdùu fya;=fjka

iDcqju wkql+,;d wjodku mek k.S' tneúka wkql+,;d ks<OdÍ m%uqL

wkql+,;d wxYh wOHlaI uKav, taldnoaO wjodkï l<ukdlrK

lñgqj yryd wOHlaI uKav,h fj; iDcqju jd¾;d lrñka nexl=fõ

wkql+,;d wjodku j<lajd,Su i|yd mshjr .kS'

wkql+,;d wjodkï l<ukdlrK ls%hdj,sh

m%;sm;a;s iy l%ufõo

;lafiare lsÍu iy ksÍlaIKh

wëlaIKh iy kdhl;ajh

jd¾;d lsÍu yd mÍlaIK meje;aùu

wOHdmkh yd mqyqKq lsÍu

wjodkï ;lafiarej

m%;spdrh iy je<elaùu

igyk 33

wjodkï l<ukdlrKh



lS¾;s kduhg ydks isÿùfï wjodku

jHdmdßl mßphka iy uQ,H ;;a;ajhka ms<sn|j md¾Yjlrejka ;=,

mj;sk iDK wdl,am fya;=fjka nexl=fõ bmehSï iy kqnqkaj;aNdjh

flfrys wys;lr n,mEï we;sùfï wjodku lS¾;skduhg ydks

isÿùfï wjodku f,i y÷kajdÈh yelsh' ish fufyhqï j,g wod<j

uyck úYajdih mj;ajd.ekSu i|yd lS¾;s kduhg ydks isÿùfï

wjodku l<ukdlrKh lr.ekSu uQ,H wdh;khlg b;d jeo.;a fõ'

m%;sm;a;s" mámdá" wpdr O¾u ix.%yh iy jHdmdr wdpdr O¾u u`.ska

l<ukdlrKh flfrk mq¿,a mrdihl me;sreKq wfkl=;a wjodkï

/ila iu. lS¾;skduhg ydks isÿùfï wjodku noaO ù ;sfnk

fyhska idudkHfhka wfkl=;a ish¿u wjodkï l<ukdlrKh i|yd

fhdod.kakd moaO;s iy md,k l%ufõo Tiafia lS¾;skduhg ydks

isÿùfï wjodkuo l<ukdlrKh lsÍu mq¿,a f,i isÿ flf¾'

lS¾;skduhg ydks isÿùfï wjodku wdYs%;j Y+kH wjodkï

wNsreÑhla nexl=j i;=fõ' tneúka m%Odk fufyhqï wjodkï o¾Yl"

.kqfokqlrejkaf.a meñKs,s ms<sn| úYaf,aIKh iy ,l=Kq ,nd§fï

m%fõYh hgf;a Ndú; flfrk mQ¾j ksYaÑ; .+Kd;aul ks¾kdhl

jeks fu,jï Wmfhda.S lr.ksñka wjodkï l<ukdlrK wxYh úiska

lS¾;skduhg ydks isÿùfï wjodku ksÍlaIKh lrkq ,nhs'

Wmdhud¾.sl wjodku

wid¾:l jHdmdr ie,iqï fyda iqÿiq jHdmdßl ie,iqula ls%hd;aul

lsÍug fkdyelsùu" jHdmdßl mßirfha isÿjk fjkialï flfrys ksis

mßÈ m%;spdr oelaùug wiu;a ùu iy nexl=fõ bmehSï iy m%d.aOkh

u; wys;lr n,mEï we;s lrñka m%udKj;a mßÈ iïm;a fjka

fkdlsÍu fya;=fjka mdvq isÿùfï wjodku Wmdhud¾.sl wjodku

f,i y÷kajdÈh yel' bÈßfha§ id¾:l úh yels jHdmdßl wjia:djka

u.yeÍhduo Wmdhud¾.sl wjodkug wh;a fõ'

cd;sl b;sßlsÍfï nexl=fõ oelau" fufyjr iy wjodkï wNsreÑhg

iu.dó jk Wmdhud¾.sl ie,iqïlrKh iy whjeh ls%hdj,shla

Tiafia Wmdhud¾.h ilia lsÍfï j.lSu wxY m%OdkSka fj; mejf¾'

whym;a foaYSh yd cd;Hka;r fmdÿ wd¾Ól iy fj<|fmd, ;;a;ajhka

fya;=fjkao Wmdhud¾.sl wjodku mek k.S' jHdmdßl ie,eiau ilia

lsÍfï§ m¾fhaIK yd ixj¾Ok wxYh úiska bÈßm;a lrkq ,nk

f;dr;=re fhdod .efka'

wOHlaI uKav,h nexl=fõ Wmdhud¾.sl wjodku yd iïnkaO j.lSu

wëlaIKh lrhs' tfiau" ksrka;rfhka isÿ flfrk iudf,dapk

Tiafia fcHIaG l<ukdldÍ;ajh úiska Wmdhud¾.sl wjodku wLKavj

ksÍlaIKh lrkq ,nhs' nexl=j wNHka;r m%d.aOk m%udKj;aNdjh

;lafiare lsÍfï ls%hdj,sh hgf;a Wmdhud¾.sl wjodku ;lafiare lsÍu

i|yd ,l=Kq ,nd§fï l%ufõohla u; mokïjQ wdlD;shla Ndú;d lrhs'

m%d.aOk l<ukdlrKh

kshduk m%d.aOk wjYH;d imqrd,Su" tys ;ekam;alrejka$Kh ysñhka

fj; uQ,H iqrlaIs;;dj iemhSu" wkd.; jHdmdßl mq¿,a lsÍï i|yd

bvyir mj;ajd.ekSu iy tys ysñlrejka fj; m%udKj;a wdodhula

W;amdokh lsÍu i|yd nexl=j úiska Yla;su;a m%d.aOk ;;a;ajhla

mj;ajd.kq ,eîu w;HdjYH lreKls'

YS% ,xld rch fj; ksl=;a lrk ,o idudkH fldgia iy r|jd.;a

wdodhï iy ixÑ;" fldgialrejkaf.a ysñlï j,g wh;afõ' jir ;=,§

ysñlrejkaf.a ysñlu remsh,a ì,shk 2'7 la olajd by< .sh w;r" th

ysñlï fkdmE ;ekam;= ixÑ; j,ska udre lrk ,§'

fldgialrejkag ,eîï W;amdokh lrk w;=r;=r úp,k ord.ekSu

i|yd nexl=j i;= yelshdj iy;sl lsÍu i|yd m%d.aOk l<ukdlrKh

wjodkï l<ukdlrK ld¾hrduqfõ ftkaøSh wx.hla njg m;a lr

we;' nexl=fõ m%d.aOk l<ukdlrK ls%hdj,sh YS% ,xld uy nexl=j

úiska ksl=;a lrk ,o ud¾f.damfoaY yd wkql+,j isÿ flf¾'

wju m%d.aOk wjYH;d iy iajdrlaIl – ia:r I

2016 wxl 01 ork nexl= mk;a kshuh u`.ska wju m%d.aOk wkqmd;sl

by< kexùu i|yd ksYaÑ; ld,rduqjla iu.ska 2017 cQ,s 1 jk Èk isg

n,meje;afjk mßÈ ndi,a III hgf;a n,m;%,dNS nexl= i|yd m%d.aOk

wjYH;d y÷kajd§ we;' 2019 ckjdß 1 jk Èk isg th mQ¾K jYfhka

ls%hd;aul lssÍug kshñ;h'

nexl=j 2018 jir ;=,§ m%d.aOk m%udKj;aNdjh i|yd kshu lrk

,o wju kshduk wjYH;d <Õd lr.ekSug iu;a úh' 2017 foieïn¾

31 Èkg 11'93] la f,i igykajQ idudkH iufldgia – ia:r I wkqmd;slh 2018 foieïn¾ 31 Èkg 13'32] l w.hla jd¾;d lrñka

by< .sfhah' iqÿiq w;sf¾l ia:r I m%d.aOk fuj,ï fkdue;s fyhska

nexl=fõ idudkH iufldgia ia:r I wkqmd;slh iuia; ia:r I m%d.aOk

wkqmd;slhg iudk fõ'

wjodku u; nr ;nk ,o j;alï wjodkï wNsreÑ iSud ;=, mj;ajd

.ekSu iy th ksÍlaIKh lsÍu i|yd nexl=j úiska mshjr .kakd

,§' 2017 foieïn¾ 31 Èkg 15'31]la f,i igyka jQ iuia; m%d.aOk

wkqmd;slh 2018 foieïn¾ 31 Èkg 16'14] la olajd j¾Okh úh'

nexl=fõ mßmd,s;h jk NSB *kaâ uefkaÊukaÜ iud.u iuQyh

uÜgfï§ m%d.aOk m%udKj;aNdjfha wkqmd;slh flfrys Okd;aulj

odhl;ajh olajhs' iuQyh uÜgfï§" 2018 foieïn¾ 31 Èkg iuQyfha

idudkH iufldgia – ia:r I wkqmd;slh 14'14]la f,io iuia;

m%d.aOk wkqmd;slh 16'88] la f,io igyka úh'

iuia; m%d.aOk ia:r I

% Rs. Mn.

nexl=j

(%)iuQyh

(%) ,dNdxY f.ùu ^re' ñ,shk&

fmdÿ iufldgia

ia:r 1$ia:r 1

2018

iuia;

m%d.aOkh

2017

fmdÿ iufldgia

ia:r1$ia:r1

2017

iuia;

m%d.aOkh

2018

6,250

5,000

3,750

2,500

1,250

0

20

16

12

8

4

0

igyk 34

wjodkï l<ukdlrKh



2018 j¾Ih ;=,§ nexl=fõ m%d.aOk m%udKj;aNdjfha wkqmd;slh

wjodkï wNsreÑ iSudjg jvd my< uÜÜul mej;sK' 100] l rdcH

whs;sh iys; b;sßlsÍfï nexl=jla f,i ndysr m%Njhka Tiafia

m%d.aOkh bmehSu i|yd nexl=jg ;sfnkafka iSudiys; bvlvls'

ndi,a III hgf;a mj;sk tlu kshduk m%d.aOk fuj,u jkafka

YS% ,xld rch fj; ksl=;a lrk fldgia muKs'

1971 wxl 30 ork cd;sl b;sßlsÍfï nexl= mk; wkqj ndi,a III hgf;a kshduk m%d.aOkh f,i y÷kd.ekSu i|yd jk ks¾kdhl

imqrd,k ia:r II m%d.aOkh bmehSug nexl=jg wjia:dj fkdue;'

tneúka" r|jd.;a wdodhï m%d.aOkh by< kxjd.ekSu m%d.aOkh

by, kxjd .ekSug we;s uQ,sl m%Njh fõ'

jir ;=,§ mej;s wd¾Ól iy fj<|fmd, ;;a;ajhka iy jHjia:dodhl

fjkialï fya;=fjka ,dNodhS uÜgu my< hdu b,lal.; m%d.aOk

uÜgu <Õd lr.ekSug fkdyelsùug m%Odk fya;=j fõ'

2017 wxl 24 ork kj wdodhï nÿ mk; m%ldrj fmd<sh u; wh

flfrk r|jd.ekSfï nÿ bj;a lsÍu$iq/l=ï u; fyda NdKavd.dr

ì,am;a fyda NdKavd.dr ne÷ïlr i|yd ´kEu mqoa.,fhl= fj;

,ndfok jÜgï iy 2018 wxl 35 ork uQ,H mk; hgf;a —Kh

whlr.ekSfï whnoao˜ y÷kajd§u fya;=fjka nexl=fõ ,dNodhS;djh

flfrys ie,lsh hq;= wys;lr n,mEula we;s úh'

oekg mj;akd m%d.aOk iSudùï ie,ls,a,g .ksñka ld¾hidOkh iy

wjodku w;r m%Yia: ;=,khla we;s lr.ekSu ;=,ska m%d.aOkh jvd

ld¾hlaIu f,i l<ukdlrKh lsÍug;a wjodku u; nr ;nk ,o

j;alï ñY%h iy wjodkï me;slv wdYs%; fjkialï oeäj ksÍlaIKh

lsÍug;a nexl=j lghq;= lrhs'

tfiau" m%d.aOk uÜgï j¾Okh lr.ekSu i|yd md¾Yjlrejkaf.a

iyfhda.h ,nd.ekSu wruqKq lrf.k ndi,a III hgf;a by< oeuQ

m%d.aOk b,aü ms<sn|j nexl=j úiska md¾Yjlrejka oekqj;a

lrkq ,nhs'

wNHka;r m%d.aOk m%udKj;aNdjh ;lafiare

lsÍfï ls%hdj,sh – ia:r II

wNHka;r m%d.aOk m%udKj;aNdjh ;lafiare lsÍfï ls%hdj,sh" ish¿

m%udKd;aul wjodkï .%yKh lr.ekSu i|yd jk ukd wjodkï

l<ukdlrK ld¾hrduqjla fukau wjodkï wNsreÑh" wd;;s mÍlaIdj

iy m%d.aOk ixl,am hk idOl j,ska iukaú; fõ' nexl=fõ wjodkï

me;slvg wkqrEmj wNHka;r m%d.aOk uÜgula ia:dms; lr.ekSu i|yd

jHdmdr ld¾hidOkh" wjodkï l<ukdlrK ls%hdud¾. iy wjodkï

ixfõ§ m%d.aOkh jvd ;¾ldkql+, wdldrhlska ixfhdackh lsÍug

tu.ska wjia:dj ie,fia'

wëlaIK iudf,dapk" we.hSï ls%hdj,sh iy cd;Hka;r hymßphka

mj;ajd.ekSu iïnkaOfhka YS% ,xld uy nexl=j úiska nexl= fj;

ksl=;a lrk ,o ndi,a III ia:r II ud¾f.damfoaY ms<sn| kshduk j,g

wkql+,jQ" wOHlaI uKav,h úiska wkqu; lrk ,o wNHka;r m%d.aOk

m%udKj;aNdjh ;lafiare lsÍfï ls%hdj,shla cd;sl b;sßlsÍfï nexl=j

i;=fõ'

nexl=jg iy wmf.a kshduk hdka;%Khg fnfyúka jeo.;a jk

uQ,O¾u i;rlska nexl=fõ wNHka;r m%d.aOk m%udKj;aNdjh ;lafiare

lsÍfï ls%hdj,sh iukaú; fõ' ;SrK .ekSfï ls%hdj,shg wjodku

taldnoaO lr.ekSu" mq¿,ajQ wjodkï ;lafiarelrKh" wNHka;r md,k

iudf,dapkh" ksÍlaIKh" jd¾;dlrKh iy wjodkï wd;;s mÍlaIdjg

,la lsÍu fuu ls%hdj,shg we;=<;a jk w;r th wëlaIKh lsÍfï

j.lSu wOHlaI uKav,hg mejf¾'

wjodkï ;lafiarelrKh ia:r I fukau ia:r II wjodkuo wdjrKh

lrhs' ia:r I kshduk m%d.aOk wjYH;djh yd wod< jk w;r" ia:r

II wd¾Ól m%d.aOkh yd wod< fõ' nexl=j ia:r II hgf;a wjodku

;lafiare lsÍu i|yd m%udKd;aul fukau .=Kd;aul m%fõYo Wmfhda.S

lr.kS'

kshduk wkqmd;sl – kshduk wjuhg idfmalaIj ;:H w.h

2018 foieïn¾ 31 Èkg

;;H w.h


;;H w.h

wkqmd;sl ^]& nexl=j iuQyh nexl=j iuQyh 2017 foieïn¾ 1

Èkg kshduk

wjuh

2018 foieïn¾ 1

Èkg kshduk

wjuh

2019 foieïn¾ 1

Èkg kshduk

wjuh

D-SIBs i|yd fmdÿ iufldgia

ia:r I, CCB iy m%d.aOk wêNdrh 13.32 14.14 11.93 12.65 6.25 7.375 8.50

ia:r I + CCB iy D-SIBs i|yd

m%d.aOk wêNdrh 13.32 14.14 11.93 12.65 7.75 8.875 10.00

iuia; m%d.aOkh + CCB D-SIBs i|yd

m%d.aOk wêNdrh 16.14 16.88 15.31 16.00 11.75 12.875 14.00

j.=j 12

fufyhqï ld¾hlaIu;djh" j¾Okh iy kqnqkaj;aNdjh <Õd lr.ekSu i|yd wjodkï l<ukdlrK l%ufõo iy Wmdhud¾.sl jHdmdr

ie,iqïlrKh ixfhdackh lrñka wNHka;r m%d.aOk m%udKj;aNdjh ;lafiare lsÍfï ls%hdj,sh u.ska taldnoaO m%fõYhla m%j¾Okh flf¾'

wjodkï l<ukdlrKh



wNHka;r m%d.aOk m%udKj;aNdjh ;lafiare lsÍfï ls%hdj,sfha

;lafiarejg wkql+,j nexl=fõ iuia; wjodkï wdlD;sh wdjrKh

lsÍu i|yd Wmldr jk m%d.aOk wjYH;djh nexl=j y÷kd.kakd ,§'

mq¿,a f,i f,aLK.; lr ;sfnk wNHka;r m%d.aOk m%udKj;aNdjh

;lafiare lsÍfï ls%hdj,sh kshduk wêldßh fj; bÈßm;a lsÍug

m%:u wOHlaI uKav, taldnoaO wjodkï l<ukdlrK lñgqj u`.ska

j;alï yd j.lSï l<ukdlrK lñgqj iy wOHlaI uKav,h úiska

idlÉPdjg n÷kalr wkqu; lrkq ,en ;sfí'

wd;;s mÍlaIdj

wd;;s mÍlaIdj wNHka;r m%d.aOk m%udKj;aNdjh ;lafiare lsÍfï

ls%hdj,sfha ftkaøSh fldgila f,i y÷kajdÈh yelsh' wOHlaI uKav,h

úiska wkqu; lrk ,o wd;;s mÍlaIdj ms<sn| m%;sm;a;sh iy YS% ,xld

uy nexl=j úiska ksl=;a lrk ,o ud¾f.damfoaY u.ska wd;;s mÍlaIdj

ms<sn| ld¾hrduqj md,kh fõ' Kh wjodku" fj<| fmdf;a iy

nexl= fmdf;a fmd,S wkqmd; wjodku" fufyhqï wjodku" øjYS,;d

wjodku" ixflakaøK wjodku iy fYaIjQ Kh wjodku jeks ish¿u

m%udKd;aul wjodkï wdYs%;j isÿ flfrk wd;;s mÍlaId" cd;sl

b;sßlsÍfï nexl=fõ wd;;s mÍlaId ms<sn| ld¾hrduqjg we;=<;a fõ'

wd;;s mÍlaId i|yd nexl=j by<hk iS>%;d uÜgï ;=kla y÷kdf.k

;sfí' ta iq¿" uOH iy úYd, hkqfjks' ^ke;fyd;a my<" uOHu

iy by<&

nexl=j ls%hd;aul jk mßirh ;=, isÿjk wys;lr wd¾Ól" foaYmd,ksl

iy fN!;sl fjkialï hgf;a we;s úh yels úúO iS>%;d iys;

wkfmalaIs; ;;a;ajhka ord.ekSu i|yd nexl=j i;= yelshdj ms<sn|

wjfndaOhla wd;;s mÍlaIdj u`.ska iemfha' nexl=j" ixisoaê úYaf,aIKh

iy ixfõÈ;d úYaf,aIKh jeks wd;;s mÍlaIK l%ufõo lsysmhla

Ndú;d lrhs'

tla tall w.hl fjki wdodhu u; we;s lrk n,mEu jeks

fmd,S wkqmd;" úfoaY úksuh wkqmd; iy iufldgia ñ, we;=¿ hï

ksYaÑ; fujj,ula fyda l<Ula flfrys fj<|fmd, idOl j,

úp,khka úiska we;s lrkq ,nk n,mEu uekSu i|yd nexl=j úiska

ixfõÈ;d úYaf,aIKh Ndú; lrkq ,nhs' fuh m%Odk jYfhka Ndú;d

flfrkafka wys;lr fmd,S wkqmd; úp,k fya;=fjka fj<| fyda nexl=

fmd; u; we;sjk n,mEu y÷kd.ekSu i|ydh' l,ska l,g Bg wod<j

j;alï yd j.lSï l<ukdlrK lñgqj fj; jd¾;d bÈßm;a flf¾'

nexl=fõ j;alï yd j.lSï l<ukdlrKh iy ñ,lrK ;SrK i|yd

fuu jd¾;d jeo.;a fõ'

ixfõÈ;d úYaf,aIKh – fj<| fmdf;a wdodhï jl% wjodku ;lafiare lsÍu – rdcH iq/l=ï

re' Z000 ,dN fyda mdvq u;

idOdrK

jákdlï

l<U

úia;SrK wdodhï

u; idOdrK

jákdlï

l<U

iuia;

2018 jir wjidkhg mej;s úhou u;

rdcH iq/l=ï l<fUys Wm,íO fkdjQ ,dNh$^w,dNh& (702,478.65) (117,010.39) (819,489.05)

wdikak;u fj<|fmd, ñ, ;lafiarefjys fjkialï

bmehqï wkqmd;fha 100 bps l by<hdu (547,129.69) (74,284.90) (621,414.59)

bmehqï wkqmd;fha 200 bps l by<hdu (1,065,131.10) (145,527.81) (1,210,658.92)

bmehqï wkqmd;fha 100 bps l my<hdu 578,282.40 77,476.61 655,759.01

bmehqï wkqmd;fha 100 bps l my<hdu 1,189,918.70 158,305.09 1,348,223.79

j.=j 13

ixfõÈ;d úYaf,aIKh – nexl= fmdf;a fmd,S wkqmd; wjodku

iDK mr;rh u;

100 bps l lïmk

wkqmd;slh

udi 1

olajd

udi 1-3 udi 3-6 udi 6-12 wjqreÿ 1-3 wjqreÿ 3 -5 wjqreÿ 5 g

jeä

uq¿ w.h

iajdëk uÜgu wkqmd; ixfõ§ j;alï$

j.lSï w;r mr;rh

(188,326) (234,376) (132,203) (176,260) 193,941 196,486 334,168 (6,570)

Y=oaO fmd,S wdodhu u;

n,mEu ^re' ñ,shk& (1,806) (1,958) (833) (459) – – – (5,056)

taldnoaO uÜguwkqmd; ixfõ§ j;alï$

j.lSï w;r mr;rh

(191,670) (246,064) (127,679) (177,213) 199,789 202,650 336,017 (4,170)

Y=oaO fmd,S wdodhu u;

n,mEu ^re' ñ,shk& (1,838) (2,056) (805) (461) – – – (5,160)

j.=j 14

wjodkï l<ukdlrKh



l=uk wdldrfha je/§ula isÿ úh yelso" th isÿ úh yelafla flfiao

iy th nexl=j flfrys l=uk wdldrfha n,mEula we;s lrhso hkak

y÷kd.ekSu i|yd wd;;s mÍlaId u`.ska ,nd.kakd m%;sM, Ndú;d

flf¾' mQ¾j úpdÍ ;SrK .ekSfï ls%hdj,sh Yla;su;a lsÍu i|yd

wd;;s mÍlaIdjkays m%;sM, ms<sn|j isÿ flfrk úYaf,aIK ls%hdj,s

ysñlrejka" l<ukdlrK lñgq iy wOHlaI uKav, taldnoaO wjodkï

l<ukdlrK lñgqj$wOHlaI uKav,h fj; jd¾;d flf¾'

úúO wd;;s uÜgï j,§ m%d.aOk m%udKj;aNdjfha n,mEu

m%d.aOk m%udKj;aNdjh ms<sn| wkqmd;slh u; n,mEu

wjodkï lafIa;%h ixisoaêh my<

^]&

uOHu

^]&

by<

^]&

Kh wjodku Kh wjodku – wd¾Ól miqnEula fya;=fjka Kh wdmiq f.ùu meyer

yeÍu ^my< 10] uOHia: 20] by< 30]& (0.12) (0.24) (0.36)

fj<|fmd, wjodku fmd,S wkqmd; wjodku

by< j;alï 200 bps, j.lSï 100 bpsuOHia: j;alï$j.lSï 200 bpsby< j;alï 100 bps, j.lSï 200 bps

(7.67) (11.74) (12.12)

fldgia ñ, wjodku ( fj<|fmd, ñ,.Kka j, my< hdu

^my< 10] uOHia: 20] by< 30]& (0.21) (0.42) (0.63)

úfoaY úksuh wjodku ( YS% ,xld remsh, wjm%udKh ùu

^my< 10] uOHia: 15] by< 20]& 0.05 0.07 0.09

fufyhqï wjodku ndi,a II w,dN cks; lrk isÿùï ldKavh hgf;a j¾.SlrKh lrk ,o

fufyhqï w,dN j, by<hdu (0.02) (0.03) (0.05)

j.=j 15

wju fy<sorõ lsÍfï wjYH;d – ia:r III

fj<|fmd, ;=, ls%hd;aul jk md¾Yjhkag nexl=fõ m%d.aOk

m%udKj;aNdjh iy wjodkï ksrdjrK ms<sn|j ;lafiare lr.ekSug

wjia:dj ,nd§u msKsi ndi,a III ld¾hrduqfõ iSud j,g wkql+,j wju

fy<sorõ lsÍfï wjYH;d y÷kajd§ ;sfí'

2016 wxl 01 ork nexl= mk; m%ldrj wju fy<sorõ lsÍfï wjYH;d

i|yd msgq wxl 389 isg 401 olajd n,kak'

wkd.; oelau

nexl= fufyhqï yd lafIa;%h wdYs%;j u;=fjñka ;sfnk wNsfhda. iy

wjodkï ie,ls,a,g f.k oekg mj;sk iy u;= fjñka ;sfnk

mq¿,a mrdihl úysÿKq wjodkï /ila wdjrKh lsÍu i|yd cd;sl

b;sßlsÍfï nexl=j ish taldnoaO wjodkï l<ukdlrK ld¾hrduqj

wLKavju Yla;su;a lrñka isà'

wjodkï l<ukdlrKfha hymßphka iy kshduk wjYH;d j,g

wkql+, fjñka wNHka;r md,k moaO;sh iy wjodkï l<ukdlrK

mßphka ;jÿrg;a Yla;su;a lsÍu i|yd" f;dr;=re ;dlaIK moaO;sh

jeä ÈhqKq lsÍu Tiafia .Kqfokqldr fiajdj m%j¾Okh lsÍug nexl=j

tys Wmdhud¾.sl jHdmdßl ie,eiau ;=< isg mshjr .kq we;'

227



uQ,H jd¾;d

228 229 236uQ,H Èk

o¾Ykh

wOHCI uKav,fha

jd¾Isl jd¾;dj

uQ,H jd¾;dlrKh ms<sn|

wOHlaIjrekaf.a j.lSu

iïnkaO m%ldYh

238 240 241uQ,H jd¾;dlrKh

ms<sn| wNHka;r

md,kh iïnkaOfhka

wOHlaIjrekaf.a m%ldYh

wNHka;r md,kh ms<sn|

iajdêk iy;sl jd¾;dj


243 245 247idudkHdêldÍ$m%Odk

úOdhl ks<OdÍf.a iy

ksfhdacH idudkHdêldÍf.a

ûqo,a yd ie,iqï& j.lSï

ms<sn| m%ldYh

ú.Kldêm;s jd¾;dj uQ,H m%ldYkj,

wka;¾.;h

248 249 250wdodhï m%ldYh úia;SrK wdodhï

m%ldYh

uQ,H ;;a;aj m%ldYh

252 256 258ysñlï fjkiaùfï m%ldYh uqo,a m%jdy m%ldYh uQ,H m%ldYkj,g

wod, igyka


228



uQ,H Èk o¾Ykh 2018

2018 ud¾;=Èfkka wjika ld¾;=j i|yd w;=re uQ,H jd¾;d ksl=;a lsÍu 2018 uehs 31

2018 cQks 30 Èfkka wjika ld¾;=j i|yd w;=re uQ,H jd¾;d ksl=;a lsÍu 2018 wf.daia;= 29

2018 iema;eïn¾ 30 Èfkka wjika ld¾;=ji|yd w;=re uQ,H jd¾;d ksl=;a lsÍu 2018 fkdjeïn¾ 29

2018 foieïn¾ 31 Èfkka wjika ld¾;=j i|yd uQ,H jd¾;d ^ú.Kkh l<& ksl=;a lsÍu 2019 ud¾;= 28

fhdað; uQ,H Èk o¾Ykh 2019

2019 ud¾;= 31 Èfkka wjika ld¾;=j i|yd w;=re uQ,H jd¾;d ksl=;a lsÍu 2019 uehs 31

2019 cQks 30 Èfkka wjika ld¾;=j i|yd w;=re uQ,H jd¾;d ksl=;a lsÍu 2019 wf.daia;= 30

2019 iema;eïn¾ Èfkka wjika ld¾;=j i|yd w;=re uQ,H jd¾;d ksl=;a lsÍu 2019 fkdjeïn¾ 29

2019 foieïn¾ 31 Èfkka wjika ld¾;=j i|yd w;=re uQ,H jd¾;d^ú.Kkh l<& ksl=;a lsÍu 2020 ud¾;= 31

uQ,H Èk o¾Ykh

229



idudkH lreKq

cd;sl b;sßlsÍfï nexl=fõ wOHlaI uKav,h nexl=fõ lghq;= ms<sn|

Tjqkaf.aa ixl,s; jd¾;dj" 2018 foieïn¾ 31 jk Èfkka wjika

j¾Ih i|yd" nexl=fõ ú.Kkh lrk ,o uQ,H m%ldYk iy taldnoaO

uQ,H m%ldYk iu.ska tlaj bÈßm;a lrhs' th miq.sh j¾I ;=< iy

wkd.;fha§o jákdlu ks¾udKh lrk wdldrh iy th mj;ajdf.k

hkafkaa flfiao hkak ms<sn|j úia;r flfrk nexl=fõ Wmdh

ud¾.sl ie,eiau ms<ìUq jk nj wms iy;sl lruq'

ú.Kk lñgq uKav,h ^BAC) úiska iudf,dapkh lr ks¾foaY lrk

,o jd¾Isl uQ,H m%ldYk 2019 ud¾;= 14 jk Èk mej;s wOHlaI uKav,

/iaùfï§ wOHlaI uKav,h úiska wkqu; lrk ,§' ú.Kkh lrk

,o uQ,H m%ldYk 2019 ud¾;= 14 jk Èk ksl=;a lsÍug wkque;sh

,nd fok ,§' ;jo" jd¾;dfjys 1988 wxl 30 ork nexl= mk; iy ta

i|yd jQ ixfYdaOk iy Y%S ,xld uy nexl=j ^CBSL& úiska n,m;%,dNS

úfYaIs; nexl= i|yd ixia:dms; md,kh ms<sn| ksl=;a lrk ,o 2007

wxl 12 ork nexl= mk;a kshufha Wmfoia hgf;a wjYH hï fy<sorõ

lsßï o thg miqld,Sk ixfYdaOko we;=<;a fõ' jd¾Isl jd¾;dj

iy ú.Kldêm;sf.a jd¾;dj iu.ska uQ,H m%ldYk fmdÿ jHdmdr

fomd¾;fïka;=fõ wOHlaI ckrd,af.a 2005 ckjdß 27 Èke;s pl%f,aL

wxl PED/27 m%ldrj md¾,sfïka;=j bÈßfha iNd.; lsÍu i|yd uqo,a

wud;Hjrhdg 2019 uehs 31jk Èk fyda Bg fmr bÈßm;a l< hq;=h'

cd;sl b;sßlsÍfï nexl=j 1971 wxl 30 ork cd;sl b;sßlsÍfï nexl=

mk;ska Y%S ,xldfõ§ ixia:dms; lrk ,o w;r 1988 wxl 30 ork

nexl= mk; m%ldrj n,m;%,dNS úfYaIs; nexl=jl ;;a;ajh msßkuk

,§'nexl=jg wLKavj *sÉ f¾áka.a ,xld ^mqoa& iud.u úiska AA+(lka) È.=ld,Sk Kh fY%aKs.; lsÍu ,nd § we;' thg *sÉ bkafldamf¾Ika

úiska B ia:djr iy iagEkav¾â wekaâ mqj¾ f¾áka.a fiajd úiska B

ia:djr hk cd;Hka;r Kh fY%aKs.; lsÍï o msßkud we;'

jHdmdr iudf,dapkh

nexl=fõ m%Odk l%shdldrlï

cd;sl b;sßlsÍfï nexl=fõ m%Odk l%shdldrlï jkafka Y%S ,xldfõ

ck;dj w;r b;=reï m%j¾Okh lsÍu iy tfia ixp,kh lrk ,o

b;=reï ,dNodhS whqßka wdfhdacklsÍu;ah'

ta wkqj" iudf,dapkhg Ndckh jQ j¾Ih ;=<" nexl=fõ m%Odk

l%shdldrlï ;=< mdßfNda.sl nexl=lrKh" wdh;ksl nexl=lrKh"

fj<| uQ,HlrKh" NdKavd.dr .kqfokq iy wdfhdack" ksfhdað;

nexl=lrKh iy uqo,a fma%IK myiqlï" Wlia Kh" úfoaY úksuh

.kqfokq iy wfkl=;a uQ,H fiajd we;=<;a fõ'

oelau" fufyjr iy jákdlï

nexl=fõ oelau" fufyjr iy jákdlï fuu jd¾Isl jd¾;dfõ we;=<;

ljrfhys § we;' nexl=fjys oelau iy fufyjr ;=< olajd we;s wruqKq

<Õd lr .kakd w;r;=r tys l%shdldrlïj,§ by< wdpdrO¾udkql+,

m%ñ;s mj;ajd .kS' ish¨ iaÓr fiajlhka nexl=fõ oelau iy fufyjr

lrd <Õd ùfï oelafuka hq;=j nexl=fõ wdh;ksl p¾hdO¾u ix.%yhg

iy rcfha m%;s{djg wkql+,j lghq;= lrhs'

rcfha iy;sl ùu

Y%S ,xld rch nexl=fõ ;ekam;a l< uqo,a iu`. tys fmd,S uqo,a wdmiq

f.ùug iy;sl fjhs'

nexl=fõ mßmd,s; iud.u

tkatiaî wruqo,a l<ukdlrK iSñ; iud.u nexl=fõ tlu mßmd,s;h

jk w;r tys m%Odk l%shdldrlu jkafka Y%S ,xld uy nexl=fjys

n,h,;a m%d:ñl .kqfokqlrefjl= f,i rcfha iq/l=ïm;a .kqfokq

lsÍuh' uQ,H m%ldYk 47 ^wd& igyfkys .kqfokq ms<sn|j úia;r ,nd §

we;'

iuQyfha jHqyfha fjkia ùu

nexl=j 2018 jir ;=< w;sf¾l re' ñ,shk 800la mßmd,s;h ;=<

wdfhdackh lr we;s w;r nexl=fõ iy iuQyfhys m%Odk l%shdldrlïj,

iajNdjfha ie,lsh hq;= fjkialï isÿ fkdùh'

jHdmdr ld¾hidOkh iudf,dapkh

2018 uQ,H j¾Ih i|yd nexl=fõ iy iuQyfha iuia; uQ,H ld¾h

idOkh iNdm;s;=udf.a ,smsfha ^msgq wxl10& idudkHdêldÍ$m%Odk

úOdhl ks,Odßf.a iudf,dapkfha ^msgq wxl 12& ;=< olajd we;'

l<ukdldÍ;aj idlÉPd yd úYaf,aIKfha 65 isg 128 olajd msgq ;=< iy

ú.Kkh lrk ,o uQ,H m%ldYkj, ^248 msgqj& olajd we;s w;r" tu`.ska

nexl=fõ iy iuQyfha lghq;=j, ;;a;ajh iy uQ,sl jHdmdr l%shdldrlï

ms<sn| mq¿,a úYaf,aIKhla imhhs' fuu jd¾;d jd¾Isl jd¾;dfjys

ixl,s; fldgils'^msgq wxl 248&

YdLd cd,h mq¿,a lsÍu

Èjhsk ;=< nexl=fõ me;sÍu mq¿,a lrñka" iudf,dapkh hgf;a

we;s j¾Ih ;=< YdLd cd,hg kj YdLd folla tla lrk ,§' j¾Ih

wjidkfha § nexl=j i;= YdLd cd,h YdLd 255la úh' mdßfNda.sl myiqj

jeä ÈhqKq lrñka ATM cd,h ;jÿrg;a mq¿,a lrk ,§' nexl=j jir

;=< Èjhsk mqrd kj îajhxl%Sh fg,¾ hka;%& ATM hka;% 24la (CRMs ûqo,a m%;spl%SlrK hka;%& 21la iy ATMs hka;% 03 la& ia:dmkh lrk

,oafoa cd;sl b;sßlsÍfï nexl=fõ .kqfokqlrejkag .kqfokq l< yels

nexl=j, idudkH ATM hka;% yer uq¿ ATM hka;% .Kk 310la olajd

jeä lrñks'

wOHCI uKav,fha jd¾Isl jd¾;dj

230




uQ,H m%ldYk ms,sfh< lsÍu

iuQyfha yd nexl=fõ uQ,H m%ldYk" Y%S ,xld jr,;a .KldêldÍ

wdh;kh úiska ksl=;a lr we;s Y%S ,xld uQ,H jd¾;dlrK m%ñ;s$

Y%S ,xld .sKqïlrK m%ñ;sj,g (SLFRSs/LKASs) 1988 wxl 30

ork nexl= mkf;a kshuhkag iy thg jQ ixfYdaOk yd úfYaIs;

wkdjrKhka we;=¿j kshduk wjYH;djkag wkql+,j" ms<sfh, lr

we;' 2018 foieïn¾ 31 jk Èfkka wjika jQ j¾Ih i|yd by; iòyka

l< uQ,H m%ldYhka ksfhdacH idudkHdêldÍ - uqo,a iy ie,iqï úiska

iy;sl lrk ,o w;r" idudkHdêldÍ$m%Odk úOdhl ks,OdÍ iy

nexl=fõ iNdm;s we;=¿ wOHCIjreka fofofkla úiska wkqu; lr

w;aika lrk ,o w;r" th msgq wxl 248 ys oelafõ' th nexl=fõ

jd¾Isl jd¾;dfjys ixl,s; fldgils'

.sKqïlrK m%;sm;a;s iy jir ;=< fjkia ùï

nexl=j iy iuQyh Y%S ,xld .sKqïlrK m%ñ;sj,g ^› ,'uQ'jd'm%$› ,'.s'm%&

wkql+,j tys uQ,H m%ldYk ms,sfh< lr we;' nexl=j iy iuQyh 2018

ckjdß 1 isg ^› ,'uQ'jd'm% 9& - —uQ,H WmlrK˜" ^› ,'uQ'jd'm% 15& -

—.kqfokqlrejka iuÕ .súiqï ;=<ska jQ wdodhu˜ iy ^› ,'uQ'jd'm% 7& - —uQ,H WmlrK fy<sorõ lsÍï˜ îxfYdaOk& i|yd jQ Y%S ,xld uQ,H

jd¾;dlrK m%ñ;Skag wkq.; ù we;' nexl=j iy iuQyh úiska ^› ,'uQ'jd'm% 9& m<uq jrg Ndú;d lsÍfï§ f;dard .kakd ,o ixl%dka;s

l%uh fya;=fjka ixikaokd;aul f;dr;=re tys wjYH;d ms<sìUq lsÍug

kej; olajd we;' uQ,H m%ldYk ms<sfh< lsÍfï§ fhdod .kakd

,o .sKqïlrK m%;sm;a;s fuu jd¾;dfõ msgq wxl 258 isg 276 ys

we;=<;a fõ'

uQ,H jd¾;dlrKh i|yd wOHlaIjrekaf.a j.lSï

2018 foieïn¾ 31 jk Èkg nexl=fõ lghq;=j, ;;a;ajh iy

tÈfkka wjika j¾Ih i|yd uQ,H m%;sM,h .ek i;H iy idOdrK

uQ,H m%ldYkhka ms<sfh< lsÍfï j.lSu wOHlaI uKav,h i;=fõ'

uQ,H m%ldYkj, msgq wxl 248 isg 257 olajd jQ msgq ;=< Y%S ,xld

.sKqïlrK m%ñ;s ^› ,'uQ'jd'm%$› ,'.s'm%& iy 1988 wxl 30 ork nexl=

mk; iy tys ixfYdaOk iy 1971 wxl 30 ork tka'tia'î' mkf;ys

wjYH;dj,g wkql+,j ms<sfh< lr we;s nj wOHCIjre úYajdi

lr;s' uQ,H jd¾;dlrKh ms<snò wOHCIjrekaf.a j.lSu msgq wxl

236 iúia;rd;aulj meyeÈ,s lrk w;r" th wOHCI uKav, jd¾Isl

jd¾;dfõ ixl,s; fldgils'

ú.Kljrekaf.a jd¾;dj

2018 foieïn¾ 31jk Èfkka wjika jk j¾Ih i|yd nexl=fõ iy

iuQyfha taldnoaO uQ,H m%ldYk ú.Kkh ú.Kldêm;s úiska isÿ lrk

,§' 2018 jir mqrdjgu" nexl=j iy tka'tia'î' wruqo,a l<ukdlrK

iud.u i|yd ú.Kkh lrf.k hk ,§' Tjqkaf.a jd¾;dj, y÷kd

.kakd ,o .eg¿ läkï l%shdud¾. i|yd ksrka;rj l<ukdlrKh

fj; bÈßm;a lrk ,§' uQ,H jd¾;dlrKfha ksjerÈ nj ;yjqre lr"

uQ,H m%ldYk wjYH o;a; iy f;dr;=re iys;j ú.Kldêm;sf.a

mÍlaIdj i|yd ,nd fok ,§' uQ,H m%ldYk ms<sn| ú.Kldêm;s u;h

fuu jd¾Isl jd¾;dfõ msgq wxl 245ys oelafõ'

bÈß ixj¾Okhka

nexl=fõ wkd.; ixj¾Okhka ms<sn| idrdxYhla 2018 ixl,sl

jd¾Isl jd¾;d fõ' iNdm;s;=udf.a mKsúvfhys ^msgq wxl 10 ys&"

idudkHdêldÍ$m%Odk úOdhl ks,Odßf.a iudf,dapkfhys ^msgq

wxl 12 ys& iy l<ukdldÍ;aj idlÉPd yd úYaf,aIKfha 65 isg 128

olajd msgq ;=< olajd we;'

o< wdodhu

2018 § nexl=fõ o< wdodhu remsh,a ñ,shk 111"902 la ^2017 - remsh,a

ñ,shk 107"996& jQ w;r" iuQyfha wdodhu remsh,a ñ,shk 112"760la

^2017 - remsh,a ñ,shk 108"235& lA úh' o< wdodhïj, úYaf,aIKh uQ,H

m%ldYk j, igyka wxl 03 ys olajd we;'

,dNdxY iy ixÑ;

uQ,H m%;sM, iy úi¾ckhka

nexl=fjys iy iuQyfhys wdodhï nÿj,g fmr ,dNh ms<sfj,ska

re'ñ,shk 7"941la iyre' ñ,shk 7"944la úh' th ms<sfj,ska ^2017 -

re' ñ,shk 14"135 iy re' ñ,shk 13"751& la úh' nexl=fjys iy iuQyfhys

nÿj,g miq ,dNh ms<sfj<ska re' ñ,shk 4"500'1 la iy re' ñ,shk

4"500'2la úh'

^2017 - re' ñ,shk 9"716'0la iy re' ñ,shk 9"156'4&' nexl=jg wod<

,dnj, úia;r my; j.=fjys § we;'

2018

re' ñ,shk

2017

re' ñ,shk

ish¿ úhoï f.ùfuka miq yd CIhùï"

Kh w,dN iy wiïNjHhka i|yd

fjkalsÍfuka miq (VAT, NBT, DRL) iy wdodhï nÿ f.ùug fmr ,dNh 11,171 17,629uQ,H fiajd u; tl;= l, w.h u;

nÿ (VAT) 2,578 3,083uQ,H fiajd u; jQ cd;sh f.dvke.Sfï

noao (NBT) 344 411Kh wdmiq f.ùfï wh nÿ (DRL) 308 –wdodhï nÿ i|yd fjkalsÍu 3,441 4,419nÿ miq Y=oaO ,dNh 4,500 9,716jir i|yd fjk;a nÿ miq Y=oaO

úia;SrK wdodhï (1,320) 2,693

jir i|yd uq¿ úia;SrK wdodhu 3,180 12,409

231




2018

re' ñ,shk

2017

re' ñ,shk

úi¾ck

jHjia:dms; ixÑ;hg udre lsÍï (225) (480)cd;sl rËK Ndr wruqo,g odhl;ajh (45) (96)taldnoaO wruqo, i|yd

odhl;ajh$,dNdxY (500) (5,111)ixÑ; j,g udre lsÍï 2,410 6,722

nÿ i|yd m%;smdok

nexl=j i|yd tys fufyhqï u; wod< jk wdodhï nÿ wkqmd;h 28] ls"

nexl=fõ fufyhqï uQ,H fiajd u; 15]l tl;= l< w.h u; noaolg

^VAT& iy 2]l cd;sh f.dv ke.Sfï noaolg ^NBT& hg;a fõ' nexl=j

2018 Tlaf;dan¾ 1 Èk isg n,d;aul jk mßÈ uQ,H fiajd u; 7]l Kh

wdmiq f.ùfï wh nÿj,g ^DRL& hg;a fõ'

Y%S ,xld .sKqïlrK m%ñ;s ^LKAS 12& - —wdodhï nÿ˜ ms<sn| .sKqï

m%ñ;shg wkql+,j j.lSï l%uh hgf;a nexl=j ish¿ y÷kd.;a ;djld,sl

úIu;d i|yd ú,ïî; nÿi|yd m%;smdok isÿfldg we;' wdodhï

nÿúhoï iy ú,ïî; nÿlrKh ms<sn| f;dr;=re ms<sfj<ska 286 iy 317

msgqj, 13 iy 29 igyka hgf;a olajd we;'

,dNdxY" nÿ iy whnÿ$cd;shg odhl;ajh

nexl=j 2018 jif¾§ nÿ iy whnÿ f,i re' ñ,shk 7"536 rchg odhl

lr we; ^2017 - re'ñ,shk 13"440&' fuhg my; foa we;=<;ah(

2018

re' ñ,shk

2017

re' ñ,shk

wdodhï nÿ 3,441 4,419tl;= l< w.h u; nÿ 2,578 3,083cd;sh f.dvke.Sfï nÿ 344 411úfYaI .dia;= 320 320Kh wdmiq f.ùfï wh nÿ 308 –taldnoaO wruqo,g odhl;ajh 500 5,111cd;sl rËK Ndr wruqo,g

odhl;ajh 45 96

cd;sh i|yd uq¿ odhl;ajh 7,536 13,440

ixÑ;

2018 foieïn¾ 31 Èkg nexl=fõ uq¿ ixÑ; re' ñ,shk 34"333 la úh

^2017 - re' ñ,shk 32"396&' nexl=fjys ixÑ; my; tajdhska iukaú;h(

2018

re' ñ,shk

2017

re' ñ,shk

jHjia:dms; ixÑ; wruqo, 3,228 3,003m%;Hd.Kk ixÑ;h 7,793 7,793r|jd .;a bmehqï 4,622 1,103fjk;a ixÑ; 18,690 20,497

uq¿ ixÑ; 34,333 32,396

ixÑ;j, fjkia ùu ms<sn| f;dr;=re ysñlïj, fjkia ùu ms<sn|

m%ldYfhys 252 msgqfõ olajd we;'

;eme,a fomd¾;fïka;=j i|yd fiajd .dia;=

;eme,a fomd¾;fïka;=j i|yd fiajd .dia;=j 2017 fjkalsÍu mokï

lrf.k 2018 jir fjkqfjka re'ñ,shk 147 la fjkalr we;'

úY%dñl m%;s,dN iy j.lSï

nexl=j úiska úY%du wruqo,a folla mj;ajd f.k hkq ,nhs' tkï ld¾h

uKav, úY%du wruqo,I iy ld¾h uKav, úY%du wruqo, II jYfhks'

;jÿrg;a nexl=j úiska jekaoUq$jekaoUq mqreI yd wk;aore úY%du

jegqma wruqo, fukau úY`%dñl ffjoHdOdr l%uhla mj;ajdf.k hkq

,nhs' úia;r uQ,H m%ldYkhkays igykaj, 322 isg 330 olajd msgq ;=<

olajd we;'

foam," msßh; iy WmlrK iy m%d.aOk úhoï

2018ka wjika jQ jir i|yd nexl=j iy iuQyh i;= foam," msßh; iy

WmlrKj, w.h ms<sfj<ska remsh,a ñ,shk 13"466la iy remsh,a ñ,shk

13"469 la úh' ^2017 § remsh,a ñ,shk 12"396 la nexl=fõ iy remsh,a

ñ,shk 12"399 la iuQyfha úh&' úia;r uQ,H m%ldYkhkays igyka j,

my; mßos we;'

uQ,H m%ldYkj,g igyka 26( foam," msßh; iy WmlrK

msgq wxl 310

uQ,H m%ldYkj,g igyka 28( lS¾;skduh iy wiamDYH j;alï

msgq wxl 316

uQ,H m%ldYkj,g igyka 46'1( m%d.aOk ne|Sï msgq wxlh 336'

232




jir ;=< foam," msßh; iy WmlrK iy wiamDIH j;alï ^fkdksñ

m%d.aOk jev we;=¿j& w;am;a lr .ekSug nexl=j úiska ork ,o uq¿

m%d.aOk úhou remsh,a ñ,shk 2"067 ^2017 - re' ñ,shk 1"109& la jQ

w;r iuQyh i|yd remsh,a ñ,shk 2"067la úh ^2017 - re' ñ,shk 1"111&'

tajdfhys úia;r fuu jd¾Isl jd¾;dfõ 312 isg 314 olajd msgqj, uQ,H

m%ldYkj,g igyka 26' ^w& iy 26' ^wd& ;=<olajd we;'

iskaklalr foam,j, fj<|fmd, w.h

2017 foieïn¾ ui jD;a;Sh iqÿiqlï,;a iajdëk ;lafiarelrejka úiska

nexl=fõ ish¨ iskaklalr bvï iy f.dvke.s,sj, m%;Hd.Kkhla

isÿlr" th tu jif¾u uQ,H m%ldYkj,g we;=<;a lrk ,§'

—n,m;%,dNS úfYaIs; jQ nexl=j, ksYap, foam, wd.Kkh˜ ms<sn| 2014

wxl 1 ork uy nexl= kshuh iu. wkql+,j nexl=fõ iskaklalr bvï

iy f.dvke.s,sj, m%;Hd.Kkh isÿ lrk ,§' iskaklalr bvï iy

f.dvke.s,sj, wd.Kkh l< jákdlï tys fj<| fmd< w.hg jvd

fkdjeä nj wOHlaI uKav,fha woyi fõ'

m%ldYs; m%d.aOkh iy fldgialdr m%ldYs;

m%d.aOkh

nexl=fõ wkqu; fldgia m%d.aOkh remsh,a ì,shk 10la jk w;r th

tlla remsh,a 10$- la jQ ì,shk 01 l idudkH ì,shk 01 l fldgiaj,ska

iE§ we;' nexl=j ysñlï fkdlS ;ekam;= ixÑ; 2018 foieïn¾ 31 Èk

Ndkavd.dr f,alï fj; m%d.aOkSlrKh lrñka tlla re'10'00 ne.ska jQ

idudkH fldgia ñ,shk270 la ksl=;a lr we;' 2018 foieïn¾ 31 jk

Èkg nexl=fõ ksl=;a l< fldgia m%d.aOkh remsh,a ì,shk 9'4ls ^2017

- re'ì,shk 6'7& NdKavd.dr f,alï Tyqf.a ks, n,fhka ksl=;a l<

fldgia m%d.aOkh ish,a, r|jd .kS' úia;r fuu jd¾Isl jd¾;dfõ msgq

wxl 332 iy 333 ys igyka 41 iy 44 ys olajd we;'

fldgialrejka

cd;sl b;sßlsÍfï nexl=fõ tlu fldgialre Y%S ,xld rchhs'

Kh m%d.aOkh

2014 iema;eïn¾j,§ nexl=j wefußldkq fvd,¾ ñ,shk 250la jQ

cd;Hka;r ne÷ïlr ksl=;a lrk ,oS' fuh 2013 iema;eïn¾j,§ ksl=;a

l< 2018 iema;eïn¾ jk úg l,a msfrk wefußldkq fvd,¾ ñ,shk

750la jQ ne÷ïlrj,g wu;rjh' fuh fï ;dla ÿrg nexl=jla úiska

úfoaYSh wdfhdaclhka fj;ska ;ks ksl=;a lsÍulska W;amdokh l< jeäu

úfoaY wruqo,a m%udKh fõ' Kh m%d.aOkfhys úia;r fuu jd¾Isl

jd¾;dfõ msgq wxl 321 ys igyka 35'1 ys olajd we;'

hg;ald,Sk Khlr ksl=;a lsÍu

2018 foieïn¾ 31 jk Èkg nexl=fõ re' ì,shk 06 l hg;a ld,Sk

j.lSu 2016 foieïn¾ 29 jk osk mqoa.,sl ia:dk.; lsÍu u; ksl=;a

l<;lafiare lr we;s wkdrlaIs; hg;ald,Sk iy kej; ,nd .; yels

re' 100'00" Khlrj,ska iukaú;h' fuu Khlrhnexl=fjys ia:rh

2 m%d.aOkhg iqÿiqlï ,nhs' uQ,H ;;a;ajh ms<sn|m%ldYkfha Èkg

f.jd wjika fkdl< Khlrj, úia;r uQ,H m%ldYkj, 322 msgqfjys

hg;ald,Sk j.lSïj, igyka 35'2 ys olajd we;'

úfoaY uqo,a Khg .ekSu

nexl=j úiska we'fvd' ñ,shk 100l Kh uqo,la fldu¾ia nEkala *skEkaia

fj;ska ,nd f.k we;s w;r 2018 Tlaf;dan¾ udifha S.A. ne÷ïlrh

wdjrKh lr we;' úfoaY uqo,ska Kh ,nd .ekSu ms<sn| úia;r uQ,H

m%ldYfhys 319 msgqfõ 31'1 igykaj, § we;'

fldgia f;dr;=re

iudf,dapkh hgf;a we;s ld, mßÉfþoh i|yd ms<sfj<ska iuQyfha

fldgil uQ,sl bmhqu iy fldgilg Y=oaO j;alï w.h jQfha j¾Ih

2018 § re' 6'72 ^j¾I 2017 § - re' 15'67& iy re' 46'52 ^2017 j¾Ifha§ -

re' 58'35& ls' igyk 14 ys fuu f;dr;=re we;s w;r fldgilg uQ,sl

iy ;kql bmhqï i|yd idudkH fldgiaj, nr ;enQ idudkH w.h

msgqj 288 igyka 48 ys iy idudkH fldgilg Y=oaO j;alï w.h ms<sn|

úia;r msgqj 341 olajd we;'

wdh;ksl iudc j.lSu

wdh;ksl iudc j.lSu ^CSR& hgf;a l%shd;aul l< jevigyka fuu

jd¾Isl jd¾;dfõ 106 isg 119 olajd msgqj, úia;r lr we;'

wOHlaI uKav,h

2018 jir ;=< wOHlaI uKav, f;dr;=re

1971 wxl 30 ork cd;sl b;sßlsÍfï nexl= mkf;a 11^1& j.ka;sh

iy 1995 wxl 28 ork mk;ska thg l< ixfYdaOk m%ldrj wOHlaI

uKav,h iNdm;s iy uqo,a wud;HdxYh iy ;eme,am;s ksfhdackh

lrñka ks, n,fhka m;a jQ idudðlhka fofofkla we;=Mj y;a

fofkl=f.ka iukaú;h' uqo,a wud;Hjrhd iNdm;s iy wfkl=;a

wOHlaIjre y;r fokd m;a lrhs'

233




2018 jir ;=< my; oelafjk mqoa.,hka wOHlaIjreka úh'

wOHCIjrhdf.a ku m;a l< Èkh idudðl

;;a;ajh

wd¾ tï mS r;akdhl uy;d - iNdm;s ^2019 fmnrjdß 19 olajd& 2018 fkdjeïn¾ 19 úOdhl fkdjk$iajdëk fkdjk

wiaúka o is,ajd uy;d - iNdm;s ^2018 fkdjeïn¾ 12 olajd& 2015 fmnrjd¾ 09

^2015 ud¾;= 04 rdcldß Ndr .;af;ah&

úOdhl fkdjk$iajdëk fkdjk

ã t,a mS wd¾ wfír;ak uy;d" wOHCI

^ks, n,fhka - 2018 cQ,s 11 olajd&

2012 fmnrjd¾ 9 olajd

^2012 uehs 23 isg 2012 wf.daia;= 05

olajd jevn,k iNdm;s&

2015 ud¾;= 10 h<s m;alrk ,§

úOdhl fkdjk$iajdëk fkdjk

tia kdW,a,f.a uy;d" wOHCI ^2018 foieïn¾ 31 olajd& 2015 fmnrjdß 09 úOdhl fkdjk$iajdëk fkdjk

wð;a m;srK uy;d - wOHCI ^2018 cQ,s 19 olajd& 2015 ud¾;= 20 úOdhl fkdjk$iajdëk fkdjk

ta fla fifkúr;ak uy;d - wOHCI

^ks, n,fhka - 2019 fmnrjdß 28 olajd&

2015 uehs 27 úOdhl fkdjk$iajdëk fkdjk

wks,a rdclreKd uy;d - fcHIaG wOHCI ^2018 foieïn¾ 31 olajd& 2015 fkdjeïn¾ 02 úOdhl fkdjk$iajdëk fkdjk

pkaÈu iS fyaupkaø uy;d - wOHCI ^2018 cQ,s 19 olajd& 2015 fkdjeïn¾ 02 úOdhl fkdjk$iajdëk fkdjk

fIydrd chj¾Ok ñh - wOHCI ^2018 fkdjeïn¾ 12 olajd& 2018 cQ,s 19 úOdhl fkdjk$iajdëk fkdjk

wdpd¾h ã Ikauq.iqkaorï uy;d - wOHCI 2018 cQ,s 19 úOdhl fkdjk$iajdëk fkdjk

hQ Ô wd¾ wdßhr;ak uy;d - wOHCI ^ks, n,fhka& 2018 wf.daia;= 31 úOdhl fkdjk$iajdëk

wOHCI uKav,h ;j;a iafõÉPd wkqlñgq follao m;a lr ;sfí tkï¦

wOHCI uKav,hg tys rdcldß bgq lsÍfï§ iydh ùug wOHCI uKav,

Kh lñgqj iy wOHCI uKav, f;dr;=re ;dlaIK Wmdhud¾. lñgqj'

wOHCI uKav, wkqlñgqj, fhduq lsÍfï wkqfoaY Y%S ,xld uy nexl=j

jeks kshduk wdh;k u`.ska l< wdh;ksl md,k ks¾foaY iy Y%S ,xld

jr,;a .KldêldÍ wdh;kh u`.ska nexl= fj; ksl=;a l< iafõÉPd

ix.%y iu. wkql+, ùu ;yjqre lrhs'

2018 foieïn¾ 31 Èkg wksjd¾h iy iafõÉPd wOHCI uKav, wkqlñgq

hk foflau ixhq;sh iy /iaùïj,§ wOHCIjrekaf.a iydNd.S;aj úia;r

msgqj 152 iy 153 ys fy<sorõ lr we;s w;r fuu wkqlñgq jd¾;d msgqj

179 isg 193 olajd we;=<;a lr we;'

wOHlaIjrekaf.a /iaùï

wOHlaI uKav, /iaùï iy wOHlaI uKav, wkqlñgq /iaùï hk

tajdhska iukaú; wOHlaIjrekaf.a /iaùïj, úia;r iy /iaùï i|yd

wOHlaIjrekaf.a iyNd.s;ajh jd¾Isl jd¾;dfjys hymd,k md,k

jd¾;dfõ msgqj 152 isg 153 olajd oelafõ'

fldka;%d;a;= ms<sn| wOHlaIjrekaf.a ne¢hdj

iDcq iy jl% hk fohdldrfhkau" wOHlaIjrekaf.a nexl=j iu. jk

fldka;%d;a;= ms<sn| ne¢hdjka uQ,H m%ldYk i|yd igyka 47^wE& ys

olajd we;' fuu ne¢hdjka wOHlaI uKav, /iaùïj,§ m%ldY lr

we;' wOHlaIjreka nexl=j iu. fjk;a fldka;%d;a;= fyda fhdað;

fldka;%d;a;= ms<sn| lsisÿ iDcq fyda jl% ne¢hdjla ke;'

j;auka wOHCI uKav,fha ixhq;sh iy idudðlhkaf.a me;slv ms<sn|

úia;r jd¾Isl jd¾;dfõ msgq wxl 152 iy 131 ys olajd we;'

nexl=fõ mßmd,s; iud.ï wOHCIjrekaf.a

,ehsia;=j

iS$i tka'tia'î' *kaâ uefkaÊukaÜ ,sñgâys wOHCIjrekaf.a kï

my; mßÈ fõ(

tÉ tka fÊ pkaøfialr uy;d - iNdm;s ^2019 ud¾;= 14 isg

n,meje;afjk mßÈ&

tia ã tka fmf¾rd uy;d - wOHCI

wð;a m;srK uy;d - wOHCI

^2019 ud¾;= 14 isg n,meje;afjk mßÈ&

ã tia l=vdfyÜá uy;d - wOHCI

wd¾ B oka.,a, fufkúh - wOHCI

fla ã ta Ô úl%uisxy uy;d - wOHCI

fla ã tï mS ùrisxy uy;d - wOHCI

wOHË uKav, wkqlñgq

uy nexl=j úiska wdh;ksl hymd,kh ms<sn|j ksl=;a l, 2007 wxl

12 ork nexl= mkf;a úOdkhkag wkql+,j wOHCI uKav,h úiska

iïmQ¾K j.lSu iy j.ùu ndr.kakd w;r;=r" nexl=fõ lghq;= ms<sn|

md,kh iy;sl lsÍu i|yd wksjd¾h wOHCI uKav, lñgq y;rla

msysgqjd we;' tkï" wOHCI uKav,h ú.Kk lñgqj" wOHCI uKav,

udkj iïm;a yd mdßY%ñl lñgqj yd wOHCI uKav, kdu fhdackd

lñgqj yd wOHCI uKav, taldnoaO wjodkï l<uKdlrk lñgqjhs'

234




nexl=j u`.ska ksl=;a l< Khlrj,

wOHCIjrekaf.a ne|shdj$we,au

lsisÿ wOHCIjrhl=f.a kñka ,shdmÈxÑ l< Khlr fkd;sì‚'

wOHCIjrekaf.a mdßf;daIsl iy fjk;a m%;s,dN

2018 uQ,H j¾Ih i|yd nexl=j iy iuQyh iïnkaOfhka

wOHCIjrekaf.a fõ;k iy fjk;a m%;s,dN ms<sn| úia;r

msgq wxl 340 ys uQ,H m%ldYkj, igyk 47 ^wE& ys olajd we;'

iïnkaê; md¾Yj .kqfokq

uQ,H m%ldYk ms<sfh, lsÍfï§ wod< lr .kakd ,o iïnkaê; md¾Yaj

fy<sorõ lsÍï ms<sn| Y%S ,xld .sKqïlrK m%ñ; wxl 24 ys m%ldrj

iïnkaê; md¾Yaj .kqfokq f,i j¾.SlrKh l< yels" .kqfokq lsisjla

;sfí kï tajdo wOHlaIjreka fy<sorõ l< hq;=h' wOHlaIjreka úiska

fy<ssorõ lrk ,o tu .kqfokq" wOHË uKav,fha jd¾Isl jd¾;dfjys

fldgila jk uQ,H m%ldYk i|yd igyka 47 ^b& ys msgq wxl 340 ;=<

oelafõ'

mßirh wdrlaId lr .ekSu

nexl=fõ ;sridr ixj¾Okhg iy j¾Okhg jeo.;a jk mßirh wdrlaId

lr .ekSug iy jeä ÈhqKq lsÍug nexl=j f.k we;s uq,drïNhka 120

isg 124 olajd msgqj, olajd we;' nexl=j iy iuQyh oekSfï ;rug lsisÿ

mßirhg ydkslr fyda lsisÿ wk;=reodhl l%shdldrlul kshe<S ke;'

jHjia:dms; f.ùï

wOHlaI uKav,h" Tjqkaf.a oekSfï iy úYajdifha ;rug" rchg iy

fiajlhka iïnkaOj f.úh hq;= ish¨ jHjia:dms; f.ùï ksis l,g

isÿlr we;s njg iEySug m;a fjhs'

jd¾;dlrK Èfkka miq isoaê

msgq wxl 342 ys uQ,H m%ldYkj,g igyka 50 ys fy<sorõ l< tajd yer

.sKqïj,g .e<mSï fyda fy<sorõ lsÍu wjYH wjia:d jd¾;d lrk Èk

isg mek ke.S ke;'

wLKav meje;au

nexl=j i;=j tys bÈß meje;au ;=< fufyhqï wLKavj lr f.k

hdug m%udKj;a iïm;a ;sfnk njg wOHCI uKav,h iudf,dapkh

lr ;Dma;su;a ù we;' ;jo" iSud lsÍï fyda fufyhqï wvq lsÍug ie,iqï

jeks nexl=fõ wLKav meje;au flfrys ie,lsh hq;= n,mEï we;s l<

yels lsisÿ m%udKd;aul wúksYaÑ;;d ms<sno wOHCIjreka oekqj;aj ke;'

wjodkï l<ukdlrKh" wNHka;r md,k iy

l<ukdlrK f;dr;=re moaO;s

wOHCI uKav,h wjodkï l<ukdlrKh lsÍu fjkqfjka iuia;

j.lSu Ndr .kS' fuu wruqK i|yd" wOHCI uKav,h M,odhS iy mq¿,a

wNHka;r md,k moaO;shla iy l<ukdlrK f;dr;=re moaO;shla

nexl=fõ ia:dms; lr l%shd;aul lr we;' nexl=j ksrdjrKh ù we;s

wjodkï ,sys,a lsÍug" m%udKd;aul fodaI fyda w,dNj,g tÈßj

idOdrK ;yjqrejla ,nd §ug wNHka;r md,k moaO;s m%;sks¾udKh

lr we;'

nexl=j uqyqKÿka wjodkï y÷kd .ekSu" ;lafiare lsÍu iy

l<ukdlrKh lsÍu i|yd wLKavj mj;sk l%shdmámdáhla we;'

wjodku ,sys,a lsÍfï§ nexl=j u.ska .kakd ,o úfYaIs; l%shdud¾. fuu

jd¾;dfõ wjodkï l<ukdlrK jd¾;dfõ msgq 194 isg 226 olajd iy

wOHCI uKav, taldnoaO wjodkï l<ukdlrK jd¾;dfõ msgq 187 isg

189 olajd úia;rd;aulj olajd we;'

ú.Kljreka m;a lsÍu iy Tjqkaf.a fõ;k

Y%S ,xld m%cd;ka;%jd§ iudcjd§ ckrc jHjia:dfõ 154 jk j.ka;sfha

m%;smdok m%ldrj ú.Kldêm;s cd;sl b;sßlsÍfï nexl=fõ ú.Kl fõ'

2018 .sKqï ld,mßÉfþoh ;=< ú.Kk .dia;= iy ,nd ÿka fjk;a fiajd

iïnkaOfhka ork ,o úhoï msgqj 286 ys uQ,H m%ldYk fj; igyk 12

ys olajd we;'

kshduk wëlaIKh

Y%S ,xld uy nexl=j ^CBSL& kshduk wëlaIK wdh;khla f,i" Y%S ,xld

uy nexl=j u.ska ksl=;a l< ksfhda.j,g wkql+, ùu ;yjqre lsÍug

nexl=fõ jd¾;d iy lghq;= ms<sn| ld,dkqrEmj mÍlaIdjla isÿ lrhs'

tfukau th md¾Yajlrejkaf.a hym; úfYaIfhkau ;ekam;alrejkaf.a

whs;sjdislï wdrlaId jk f,i wjYH uÜgug wjYH uQ,H o¾Yl

mj;ajdf.k hkafkaoehs ;SrKh lrhs'

wdh;ksl md,kh

nexl=fõ mßmd,k lghq;= isÿ lsÍfï oS fyd|u ixia:dms; md,k

mßphka iy l%shdmámdá iu. wkql+, ùu ;yjqre lsÍu i|yd wOHË

uKav, wjOdkh fhduq lr we;' ta wkqj" wOHlaIjreka my; foa

m%ldY lr we;(

^w& nexl=j tys jHdmdr lghq;= lrf.k hdfï§ wod< jk kS;s iy

fr.=,dis iu. wkql+, ù we;s w;r" wod< kS;s iy fr.=,dis

lv lrk lsisÿ l%shdjl kshe,S ke;'

^wd& Tjqka nexl=j yd iïnkaOjk m%udKd;aul we,aula we;s ish¿

fy,sorõ .súiqï lr we;s w;r Tjqka m%udKd;aul we,au we;s

lsisÿ ldrKhlg iïnkaO ùfuka je<lS we;'

235




^we& jHdmdrhg wLKav meje;aula we;s w;r wOHCI uKav,h

Wmdhud¾.sl jHdmdr ie,iqu iudf,dapkh lr bÈß wkd.;h

;=<nexl=fjys wkd.; .uH;dj fõ.j;a lsÍug m%udKj;a iïm;a

;sfnk njg ;Dma;su;a ù we;' tksid" nexl=fõ iy tys mßmd,s;

iud.fï uQ,H m%ldYk wLKav meje;au ms<sn| Wml,amk u;

mokïj ms<sfh< lr we;'

^wE& nexl=j iïnkaê; md¾Yaj .kqfokq uQ,H m%ldYkj, fy<sorõ

lr we;'

^W& nexl=j uQ,H" fufyhqï iy wkql+,;d md,k" wjodkï

l<ukdlrKh wdjrKh lrk wNHka;r md,k úêl%u mj;ajd

we;s w;r tajdfha M,odhS;dj iy wkq.; ùu ms<sn| idOdrK

iy;slhla ,nd f.k we;'

kj fr.=,dis flfrys fhduqj

nexl=j 2019 ckjdß 1 isg n,meje;afjk —l,anÿ˜ ms<sn| ^› ,'uQ'jd'm% 16& ys m%;sM, ;lafiarej mj;ajd we;s w;r" kj m%ñ;h

hgf;a m%;sM, ;lafiare lsÍug wjYH lrk wdo¾Yh jeäÈhqKq lr we;'

;sridr nj

tys jHdmdr Wmdhud¾. l%uj;aj ilia lrk úg" nexl=j ;sridr nfõ

me;s i,ld n,d we;" tys úia;r GRI o¾Ylh hgf;a msgq 125 isg 128

olajd wkdjrKh lr we;'

udkj iïm;

nexl=j ish Wiia ;;a;ajfha fiajdj Tiafia ;sridr w.h ks¾udKh

lsÍug lem ùfuka iy by< wNsfma%rKhlska hq;=j lghq;= lrk

fiajlhkaf.a Wkak;sh i|yd iy Tjqkaj r|jd ;nd .ekSug wLKavj

l%shdlrhs' nexl=fõ udkj m%d.aOkfhys ixj¾Okh i|yd ie,lsh

hq;= wdfhdack isÿ lr we;' udkj m%d.aOkh by< kexùu i|yd

nexl=j úiska l%shd;aul lrk m%;sm;a;s iy l%shd mámdá 2018 jd¾Isl

jd¾;dfjys 93 msgqfjys úia;r lr we;'

;sfnk kvqlr ^ksrjq,a fkdjQ&

wOHCIjrekaf.a iy nexl=fõ kS;s{hkaf.a u;h wkqj uQ,H m%ldY

fj; msgqj 341 ys igyk 49 wkdjrKh lr we;s nexl=jg tfrysj we;s

kvqlrj," nexl=fõ uQ,H ;;a;ajh fyda tys wkd.; fufyhqï flfrys

m%udKd;aul n,mEula ke;'

jd¾;dfõ wka;¾.;j, j.lSu Ndr .ekSu

wOHCI uKav,h fuhska jd¾;dfõ wka;¾.;j, j.lSu Ndr .kS'

wOHCI uKav,fha ksfhda.h wkqj"

chrdc pkaøfialr

iNdm;s

M A P uqykaÈrï

wOHCI uKav,fha f,alï

2019 ud¾;= 14 Èk

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cd;sl b;sßlsÍfï nexl=fõ ^nexl=j& uQ,H m%ldYk iy nexl=fõ iy tys

mßmd,s;fha îuQyh& taldnoaO uQ,H m%ldYk iïnkaOj wOHlaIjrekaf.a

j.lSu fuu m%ldYfhka olajd we;'

uQ,H m%ldY

nexl=j iy iuQyh ish¨ .kqfokqj, ksis .sKqï ;eîu lrk njg

iy wod< jHjia:dms; wjYH;dj,g wkql+,j tla tla uQ,H j¾Ih

wjidkfha§ nexl=fõ iy iuQyfha lghq;=j, ;;a;ajh ms<sn| i;H

iy idOdrK oelaula ,nd fok fmdÿfõ ms<s.;a .sKqïlrK uQ,O¾u"

Y%S ,xld .sKqïlrK m%ñ;s iy Y%S ,xld uQ,H jd¾;dlrK m%ñ;sj,g

wkql+,j uQ,H m%ldYk ms<sfh< lrk njg iy;sl ùu i|yd nexl=fõ

wOHlaI uKav,h j. lshhs' uQ,H m%ldYkj,g 2018 foieïn¾ 31 jk

Èkg uQ,H ;;a;ajh ms<sn| m%ldYh" 2018 jir i|yd wdodhï m%ldYh

iy úia;S¾K wdodhï m%ldYh"ysñlï fjkia ùu ms<sn| m%ldY iyuQ,H

m%jdy m%ldYh iy iqúfYaIS .sKqïlrK m%;sm;a;s iy thg iïnkaO

igyka we;=<;ah'

ta wkqj" nexl=fõ iy mßmd,s;fha uQ,H m%ldYk my; tajd ms<sn| i;H

iy idOdrK oelaula ,nd fok njg" wOHlaI uKav,h ;yjqre lrhs(

1' 2018 foieïn¾ 31jk Èkg nexl=fõ iy tys mßmd,s;fha uQ,H

;;a;ajh¦ iy

2' tÈfkka wjika jQ uQ,H j¾Ih i|yd nexl=fõ iy tys mßmd,s;fha

uQ,H ld¾h idOkh'

fuu uQ,H m%ldYk ms<sfh< lsÍfï§ wOHlaIjreka my; foaj,a ms<sn|j

;yjqre lsÍu wjYHh(

1' uQ,H m%ldYk ms<sfh< lsÍfï§ fhdod .kakd ,o 258 isg 276 olajd

msgqj, olajd we;s .sKqïlrK m%;sm;a;s mj;sk uQ,H jd¾;dlrK

rduqjg wkql+,j fhda.H tajd úh' fuu m%;sm;a;s ix.; f,i Ndú;d

lrk w;r tajdfha m%udKd;aul ú;ekaùï ;sfí kïksis mßÈ

fy<sorõ lrk ,§'

2' uQ,H m%ldYk ms<sfh< lsÍfï§ .kqfokqfõ wdldrh iy uQ,dx. ksis

f,i ms,sìUq jk nj iy;sl lsÍug wjYH wjia:dj,§ idOdrK iy

úplaIKYS,S úksYaphka isÿ lr we;'

3' nexl=fõ iy iuQyfha uQ,H m%ldYk Y%S ,xld .KldêlrK m%ñ;

(SLFRSs/LKASs) wkqj ms<sfh< lr we;'

1971 wxl 38 ork uqo,a mk;" 1988 wxl 30 ork nexl= mk;" 1971 wxl

30 ork NSB mkf;a 7 ^1& j.ka;s úêúOdk m%ldrj wOHlaI uKav,h

nexl=fõ lghq;= iy jHdmdr md,kh lsÍu iy mßmd,kh lsÍu wjYH

fõ' uQ,H m%ldYk uy nexl=j úiska n,m;%,dNS úfYaIs; nexl= i|yd

ksl=;a lr we;s wdlD;shg wkql+, nj wOHlaI uKav,h iy;sl lrhs'

i,lkq ,nk ´kEu ld, jljdkqjl idOdrK ksrjoH;djla iys;j"

nexl=fõ uQ,H ;;a;ajh ksjerÈj jd¾;d lrk iy úia;r lrk wod<

.sKqïlrK jd¾;d ,nd foñka uQ,H m%ldYk ms<sfh< lsÍfï yelshdj

;yjqre lrk nj iy;sl lsÍu i|ydo wOHlaI uKav,h j. lsj hq;=h'

fuu jd¾Isl jd¾;dfõ bÈßm;a lr we;s uQ,H m%ldYkj, wjxl nj

iy úIh uQ,sl nj i|yd jk j.lSu wOHlaI uKav,h ms<s.kS ûQ,H

m%ldYk msgq 248 isg 257 olajd olajd we;&' 2018 j¾Ih i|yd ms<sfh<

l< fuu jd¾;dfõ bÈßm;a lr we;s uQ,H m%ldYk Y%S ,xld .sKqïlrK

m%ñ;s" Y%S ,xld uQ,H jd¾;dlrK m%ñ;s" 1995 wxl 15 ork Y%S ,xld .sKqï

iy ú.Kk m%ñ;s mk; iy 1988 wxl 30 orknexl= mk; iy tys

ixfYdaOk hk tajdfhys wjYH;d iu. wkql+, fõ'

wNHka;r md,k

wOHlaI uKav,h nexl=fõ iy iuQyfha j;alï wdrlaId lsÍug

m%udKj;a l%shdud¾. .ekSug iy /ljrKh ,nd §ug" jxpd iy

wfkl=;a wC%ñl;d fy<s lsÍug j.lshk ,o w;rM,odhS iy úia;S¾K

wNHka;r md,k moaO;shla iy wNHka;r ú.Kkhla we;=<;a mQ¾j

ks¾‚; l%shdmámdá iy iSud ;=< l%shd;aul jk tys M,odhs;dj

ksÍlaIKh lsÍfï M,odhS moaO;shla o msysgqjd we;' wOHlaI uKav,h

uQ,H m%ldYk Tjqka úiska Tjqkaf.a úêu;a /iaùïj,§ iy ú.Kk

lñgq uKav,fha§o iudf,dapkh lrk nj iy;sl lrhs' fuu jd¾Isl

jd¾;dfõ 238 msgqfõ uQ,H jd¾;dlrKh flfrys wNHka;r md,kh

ms<sn| wOHlaIjrekaf.a m%ldYh § we;s w;r nexl=fõ wNHka;r md,kh

ms<sn| ú.Kldêm;sf.a iy;sllrK jd¾;dj 240 msgqfjys olajd we;'

ú.Kk jd¾;dj

wOHlaI uKav,h úiska uQ,H m%ldYk we;=¿j ish¨ jd¾;d ú.Kldêm;s

fj; ,nd § we;s w;r iqÿiq hehs Tjqka i,lk ish¨ mÍlaId

lsÍï isÿ lsÍug iEu bv m%ia;djlau ,nd fok ,§' ú.Kldêm;s

fomd¾;fïka;=j mÍlaId lsÍï lr we;s w;r ú.Kldêm;sf.a u;h Tyq

úiska jd¾;d l< mßÈ fuu jd¾Isl jd¾;dfjys 245 msgqfõ olajd we;'

uQ,H jd¾;dlrKh ms<sn| wOHlaIjrekaf.a

j.lSu iïnkaO m%ldYh

237

uQ,H jd¾;dlrKh ms<sn| wOHlaIjrekaf.a j.lSu iïnkaO m%ldYh



wkql+,;d jd¾;dj

wOHlaIjreka Tjqkaf.a oekqfï iy úYajdifha ;rug nexl=j úiska

f.úh hq;= ish¨ nÿ" ;Sre nÿ iy wh nÿ iy rchg iy wfkl=;a wod<

kshduk iy jHjia:dms; wêldßj,g nexl=fõ iy iuQyfha fiajlhka

fjkqfjka iy Tjqka iïnkaOj f.úh hq;= ish¨ odhl;aj iy nÿ" iy

fjk;a ish¨ okakd f.úh hq;= jHjia:dms; f.ùï nexl=j iy iuQyh

úiska l< hq;= iy f.úh hq;= foa uQ,H ;;a;ajh ms<sn| m%ldYfha Èkg

f.jd we;s nj fyda wod< ;ek§ fjka lr we;s nj ;yjqre lrhs' ;jo"

jr,;a .KldêldÍ wdh;kh ksl=;a l< ixia:dms; md,k ix.%yh

ms<sn| hym;a mßphka ix.%yh ;=< oelaùug wjYH uQ,H ;;a;ajh"

fufyhqï ;;a;aj iy kshduk iy fjk;a idOl ie,lSfuka miqj

wOHlaI uKav,h th ;yjqre lr we;' wOHlaIjreka 2018 foieïn¾ 31

j¾Ih i|yd uQ,H whjeh yd uqo,a m%jdy iudf,dapkh lr we;'

nexl=jg iy iuQyhg bÈß wkd.;fha§ fufyhqï wLKavj lrf.k

hdug iy fuu uQ,H m%ldYk ms<sfh< lsÍfï§ m%j¾;k moku fhdod

.ekSu idOdrŒlrKh lsÍug m%udKj;a ;rï iïm;a we;s nj iy

uKav,h úiska Y%S ,xld uy nexl=j ksl=;a lr we;s Wmfoia iu.

wkql+, ùug wjYH ish¨ l%shdud¾. f.k we;s nj wOHlaI uKav,h

;yjqre lr we;'

wOHlaI uKav,fha kshuh mßÈ"

tï ta mS uqykaÈrï

wOHlaI uKav, f,alï

2019 ud¾;= 14 Èk

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j.lSu

fuu jd¾;dj nexl= mkf;a 2007 wxl 12 ork kshufha" 3 ^8& îi&

^wd& j.ka;sh iu. wkql+,j ksl=;a lr we;s w;r Y%S ,xld jr,;a

.KldêldÍ wdh;kh ^CA Sri Lanka&úiska ksl=;a lr we;s hymd,kh

ms<sn| hym;a wdpdr mßphka ix.%yh 2017 ys D.1'5 uQ,O¾u u; mokïj

ms<sfh< l< wNHka;r md,kh ms<sn| fuu jd¾;dj wOHlaI uKav,h

úiska bÈßm;a lrhs'

cd;sl b;sßlsÍfï nexl=fõ m%udKj;a ;rï iy M,odhS wNHka;r md,k

moaO;shla msysgqjd mj;ajdf.k hk nj iy;sl lsÍu i|yd wOHlaI

uKav,h ûKav,h& j.lsj hq;=h' flfia jqjo tjeks moaO;shla nexl=fõ

jHdmdr mrud¾: <Õd lr .ekSu wid¾:l ùfï wjodku bj;a lrkjdg

jvd" ms<s.; yels wjodkï mrdñ;s ;=< nexl=fõ ie,lsh hq;= wjodkï

lafIa;% l<ukdlrKh lsÍug ie,iqï flf¾' ta wkqj wNHka;r md,k

moaO;shg l<ukdlrK iy uQ,H f;dr;=re iy jd¾;dj, ie,lsh hq;=

idjoH m%ldY iy jd¾;d fyda uQ,H ydks fyda jxpdj,g tfrysj mru

iy;slhla fkdj idOdrK iy;slhla muKla iemhsh yelsh'

wOHlaI uKav,h úiska nexl=j uqyqK fok ie,lsh hq;= wjodkï y÷kd

.ekSu" .Kkh lsÍu iy l<ukdlrKh lsÍu i|yd È.gu l%shd;aul

jk l%shdj,shla ia:dmkh lr we;s w;r fuu l%shdj,shg jHdmdr

mßirhg fyda kshduk wjYH;dj,g iy wfkl=;a ud¾f.damfoaYj,

fjkia lsÍï we;s mßÈ iy we;s úg uQ,H jd¾;dlrKh ms<sn| wNHka;r

md,k moaO;sh jeä ÈhqKq lsÍu we;=<;ah'

fuu l%shdj,s wOHlaI uKav,h úiska ksrka;rj iudf,dapkh lrkq

,nk w;r Y%S ,xld jr,;a .KldêldÍ wdh;kh úiska ksl=;a lr

we;s wNHka;r md,k ms<sn| wOHlaIjrekaf.a m%ldYk ms<sn| nexl=fõ

wOHlaIjreka i|yd ud¾f.damfoaYh iu. wkql+, nj ;yjqre lr we;'

wOHËuKav,h tu ud¾f.damfoaYfhys § we;s wNHka;r md,k moaO;sh

we.hSu i|yd jQ uQ,O¾u ie,ls,a,g f.k wNHka;r md,k moaO;sh

we.hSug ,la lr we;'

wNHka;r md,k moaO;sh uQ,H jd¾;dlrKfha úYajikSh nj ms<sn|

idOdrK iy;slhla iemhSug ;rï hym;a iy m%udKj;a njo" ndysr

wruqKq i|yd uQ,H m%ldYk ms<sfh< lsÍu wod< .sKqïlrK m%;sm;a;s

iy kshduk wjYH;dj,g wkql+, njo wOHlaI uKav,fha woyi fõ'

l<ukdldß;ajh wOHlaI uKav,hg wjodku iy md,kh ms<sn|

uKav,fha m%;sm;a;s iy l%shdmámdál%shd;aul lsÍug" nexl=j úiska

uqyqK fok wjodkï y÷kd .ekSu iy ;lafiare lsÍu" fuu wjodkï

,sys,a lsÍu iy md,kh lsÍu i|yd fhda.H wNHka;r md,k ie,iqï

lsÍu" fufyhùu iy ksÍlaIKh lsÍu u.ska iydh fjhs'

uQ,H jd¾;dlrKh ms<sn| wNHka;r md,k

l%ufha ie,iqu iy ld¾hlaIu;djh fh§fï§

yd iudf,dapkh lsÍfï § wkq.ukh lrk

l%shdj,sfha m%Odk ,laIK

ld,dj¾;j uQ,H jd¾;dlrKh ms<sn| wNHka;r md,k moaO;sfha

ie,iqu iy M,odhS;dj iudf,dapkh lsÍfï moaO;sho uKav,h úiska

msysgqjkq ,en ;sfí' wfkl=;a foaj,a w;r tys uQ,sl l%shdj,sj, my;

foaj,a wvx.=h(

nexl=fõ fufyhqïj, ld¾HËu;dj ;yjqre lsÍug;a" wkqu;

wdh;ksl wruqKq" Wmdh ud¾. iy m%;sm;a;s iy wkqu; lr we;s

jHdmdr ksfhda. iu. wkql+, nj iy;sl lsÍug ksYaÑ; úIh

m:hka iy ld¾hhka iys;j wOHË uKav, wkqlñgq msysgqjd we;'

wOHË uKav, ú.Kk lñgqj ^BAC& úiska nexl=fõ wNHka;r

ú.Kl wxYh" ndysr ú.Kljreka" kshduk wêldÍka úiska y÷kd

.kakd wNHka;r md,k .egÆ jßkajr iudf,dapkh lrkq ,nk

w;r tu wvqmdvq ksjerÈ lsÍug ksjerÈ lsÍfï l%shdud¾. .kshs'

nexl=fõ ndysr ú.Kkh ú.Kldêm;s úiska isÿ lrkq ,efí' rcfha

ú.Kk wêldÍ fj; idudkHfhka wOHË uKav, ú.Kk lñgq

/iaùï i|yd wdrdOkd flf¾'

ú.Kkfhys úIhm:h iy .=Kd;aul nj flfrys úfYaI

wjOdkhla fhduq lrñka wOHË uKav, ú.Kk lñgqwNHka;r

ú.Kk ld¾hh iudf,dapkh lrhs' fuu jd¾Isl jd¾;dfõ

179 msgqfjys we;s wOHË uKav, ú.Kk lñgq jd¾;dfõ 2018 jir

;=<wOHË uKav, ú.Kk lñgqjúiska .kakd ,o l%shdud¾. olajd

we;' nexl=fõ wNHka;r ú.Kk wxYh jd¾Isl ú.Kk ie,iqu

mßÈ YdLdj," wxYj, iy wfkl=;a tallj, ú.Kkh isÿ lrhs'

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W P C úl%ur;ak

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wNHka;r md,kh ms<sn| iajdëk iy;sl jd¾;dj

241



We have been engaged by the Directors of National Savings Bank (“Bank”) to provide reasonable assurance and limited assurance in respect of the Sustainability Indicators as identified below for the year ended 31 December 2018. The Sustainability Indicators are included in National Savings Bank’s Integrated Annual Report for the year ended 31 December 2018 (the “Report”).

The reasonable assurance sustainability indicators covered by our reasonable assurance engagement are:

Reasonable assurance sustainability indicators Integrated Annual Report page

Financial highlights 8

The limited assurance sustainability indicators covered by our limited assurance engagement are:

Limited assurance – sustainability indicators

Integrated Annual Report page

Non-financial highlights 9

Information provided on following capitalsFinancial capital 66 – 82Manufactured capital 83 – 87Intellectual capital 88 – 92Human capital 93 – 105Social and relationship capital 106 – 119Natural capital 120 – 124

Our conclusionsOur conclusion has been formed on the basis of, and is subject to, the matters outlined in this Report. We believe that the evidence we have obtained is sufficient and appropriate to provide a basis for our conclusions.

Reasonable assurance-sustainability indicators In our opinion, the Reasonable Assurance-Sustainability Indicators, as defined above, for the year ended 31 December 2018 are, in all material respects, prepared and presented in accordance with

the Consolidated Set of Global Reporting Initiative Sustainability Reporting Standards Guidelines.

Limited assurance-sustainability indicators Based on the limited assurance procedures performed and evidence obtained, as described below, nothing has come to our attention that causes us to believe that the Limited Assurance-Sustainability Indicators, as defined above, for the year ended 31 December 2018, have not in all material respects, been prepared and presented in accordance with the Consolidated Set of Global Reporting Initiative Sustainability Reporting Standards Guidelines.

Management’s responsibility Management is responsible for the preparation and presentation of the Reasonable Assurance Sustainability Indicators and the Limited Assurance Sustainability Indicators in accordance with the Consolidated Set of Global Reporting Initiative Sustainability Reporting Standards Guidelines.

These responsibilities includes establishing such internal controls as Management determines are necessary to enable the preparation of the Reasonable Assurance Sustainability Indicators and the Limited Assurance Sustainability Indicators that are free from material misstatement whether due to fraud or error.

Management is responsible for preventing and detecting fraud and for identifying and ensuring that the Bank complies with laws and regulations applicable to its activities.

Management is also responsible for ensuring that staff involved with the preparation and presentation of the description and Report are properly trained, information systems are properly updated and that any changes in reporting encompass all significant business units.

Our responsibilityOur responsibility is to express a reasonable assurance conclusion on the Bank’s preparation and presentation of the Reasonable Assurance Sustainability Indicators and a limited assurance conclusion on the preparation and presentation of the Limited Assurance Sustainability Indicators included in the Report, as defined above.

M.R. Mihular FCA P.Y.S. Perera FCA C.P. Jayatilake FCAT.J.S. Rajakarier FCA W.W.J.C. Perera FCA Ms. S. Joseph FCAMs. S.M.B. Jayasekara ACA W.K.D.C Abeyrathne FCA S.T.D.L. Perera FCAG.A.U. Karunaratne FCA R.M.D.B. Rajapakse FCA Ms. B.K.D.T.N. Rodrigo FCAR.H. Rajan ACA M.N.M.B. Shameel ACA Ms. C.T.K.N. Perera ACA

Principals - S.R.I. Perera FCMA(UK), LLB, Attorney-at-Law, H.S. Goonewardene ACA

KPMG Tel : +94 - 11 542 6426(Chartered Accountants) Fax : +94 - 11 244 587232A, Sir Mohamed Macan Markar Mawatha, : +94 - 11 244 6058P. O. Box 186, : +94 - 11 254 1249Colombo 00300, Sri Lanka. Internet : www.kpmg.com/lk


Independent Assurance Report to National Savings Bank

GRI 102-56

242




We conducted our assurance engagement in accordance with Sri Lanka Standard on Assurance Engagements SLSAE 3000: Assurance Engagements other than Audits or Reviews of Historical Financial Information (SLSAE 3000) issued by The Institute of Chartered Accountants of Sri Lanka.

We have complied with the independence and other ethical requirements of the Code of Ethics issued by the Institute of Chartered Accountants of Sri Lanka.

SLSAE 3000 requires that we plan and perform the engagement to obtain reasonable assurance about whether the Reasonable Assurance Sustainability Indicators are free from material misstatement and limited assurance about whether the Limited Assurance Sustainability Indicators are free from material misstatement.

Reasonable Assurance Over Reasonable Assurance Sustainability Indicators The procedures selected in our reasonable assurance engagement depend on our judgement, including the assessment of the risks of material misstatement of the Reasonable Assurance Sustainability Indicators whether due to fraud or error.

In making those risk assessments, we have considered internal control relevant to the preparation and presentation of the Reasonable Assurance Sustainability Indicators in order to design assurance procedures that are appropriate in the circumstances, but not for the purposes of expressing a conclusion as to the effectiveness of the Bank's internal control over the preparation and presentation of the Report.

Our engagement also included assessing the appropriateness of the Reasonable Assurance Sustainability Indicators, the suitability of the criteria, being the Consolidated Set of Global Reporting Initiative Sustainability Reporting Standards Guidelines, used by the Bank in preparing and presenting the Reasonable Assurance Sustainability Indicators within the Report, obtaining an understanding of the compilation of the financial and non-financial information to the sources from which it was obtained, evaluating the reasonableness of estimates made by the Bank, and recomputation of the calculations of the Reasonable Assurance Sustainability Indicators.

Limited Assurance on the Assured Sustainability Indicators Our limited assurance engagement on the Limited Assurance Sustainability Indicators consisted of making enquiries, primarily of persons responsible for the preparation of the Limited Assurance Sustainability Indicators, and applying analytical and other procedures, as appropriate. These procedures included:

interviews with Senior Management and relevant staff at corporate and selected site level concerning sustainability strategy and policies for material issues, and the implementation of these across the business;

enquiries of management to gain an understanding of the Bank's processes for determining material issues for the Bank’s key stakeholder groups;

enquiries of relevant staff at corporate and selected site level responsible for the preparation of the Limited Assurance Sustainability Indicators;

enquiries about the design and implementation of the systems and methods used to collect and report the Limited Assurance Sustainability Indicators, including the aggregation of the reported information;

comparing the Limited Assurance Sustainability Indicators to relevant underlying sources on a sample basis to determine whether all the relevant information has been appropriately included in the Report;

reading the Limited Assurance Sustainability Indicators presented in the Report to determine whether they are in line with our overall knowledge of, and experience with, the sustainability performance of the Bank;

reading the remainder of the Report to determine whether there are any material misstatements of fact or material inconsistencies based on our understanding obtained as part of our assurance engagement.

The procedures performed in a limited assurance engagement vary in nature and timing from, and are less in extent than for, a reasonable assurance engagement, and consequently the level of assurance obtained in a limited assurance engagement is substantially lower than the assurance that would have been obtained had a reasonable assurance engagement been performed. Accordingly, we do not express a reasonable assurance conclusion on the Limited Assurance Sustainability Indicators.

Purpose of our reportIn accordance with the terms of our engagement, this assurance report has been prepared for the Bank for the purpose of assisting the Directors in determining whether the Bank’s Reasonable and Limited Assurance Sustainability Indicators are prepared and presented in accordance with the Consolidated Set of Global Reporting Initiative Sustainability Reporting Standards Guidelines and for no other purpose or in any other context.

Restriction of use of our reportOur report should not be regarded as suitable to be used or relied on by any party wishing to acquire rights against us other than the Bank, for any purpose or in any other context. Any party other than the Bank who obtains access to our report or a copy thereof and chooses to rely on our report (or any part thereof) will do so at its own risk. To the fullest extent permitted by law, we accept or assume no responsibility and deny any liability to any party other than the Bank for our work, for this independent assurance report, or for the conclusions we have reached.

Chartered AccountantsColombo

27 March 2019

243



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cd;sl b;sßlsÍfï nexl=fõ ^nexl=j& uQ,H m%ldYk iy nexl=fõ iy

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nexl=j iy tys mßmd,s;fha wNHka;r md,k ia:dmkh lsÍug"

l%shd;aul lsÍug" iy mj;ajdf.k hdug wms j.lsj hq;= fjuq' j;alï

wdrlaId lsÍu" jxpd iy$fyda jeros fukau wfkl=;a wl%ñl;d je<elaùu

iy fy<sorõ lsÍu i|yd nexl=jg iy iuQyhg wod< jeo.;a f;dr;=re

wmg oek .ekSug yels nj;a iy;sl lrñka M,ohS wNHka;r md,k

iy l%shdmámdá ksis ia:dkj, we;s nj" iy tajd wLKav mokula u;

iudf,dapkh" we.hSu iy hdj;ald,Sk lrk nj wms iy;sl lruq'

wmf.a oekSfï ;rug" wNHka;r md,k iy l%shdmámdá ie,iqï lsÍfï

fyda l%shd;aul lsÍfï ie,lsh hq;= wvqmdvq iy ÿn,;d fkdjQ njg wms

iEySug m;a fjuq' wms wmf.a we.hSï u; mokïj" wNHka;r md,kj,

ie,iqï lsÍu iy l%shd;aul lsÍu ms<sn| ie,lsh hq;= wvqmdvq fyda lemS

fmfkk ÿn,;d iy l<ukdlrK fyda wfkl=;a fiajlhka iïnkaO

jxpd fkdjQ nj ;yjqre lruq' uQ,H jd¾;dlrKh iy l%shdmámdá

iïnkaOj wNHka;r md,k iy l%shdmámdá wLKavj wkq.ukh

lrk nj iy;sl lsÍug nexl=fõ wNHka;r ú.Kljrekao l,ska

l,g úu¾Yk isÿ lrhs' flfia fj;;a" ´kEu wNHka;r md,k yd

.sKqïlrK l%uhla u.ska ,ndfok iy;slh uq¿ukskau ms<s.ekSfï hï

wdfõksl iSudjka mj;S'

idudkHdêldÍ$m%Odk úOdhl ks<OdÍf.a iy ksfhdacH

idudkHdêldÍf.a ûqo,a yd ie,iqï& j.lSï ms<sn| m%ldYh


cd;sl b;sßlsÍfï nexl=j jd¾Isl jd¾;dj 2018National Savings Bank Annual Report 2018244

Governance Financial Reports Supplementary Information

uQ,H jd¾;dlrKh u; wNHka;r md,kh ms<sn| wOHCIjrekaf.a

m%ldYh fuu jd¾Isl jd¾;dfõ 238 msgqfõ olajd we;' ú.Kldêm;sjrhd

úiska nexl=j úiska fhdod .kakd ,o uQ,H jd¾;dlrKh u; wNHka;r

md,kfha iM,;ajh ú.Kkh lr we;s w;r ta ms<sn| úlrKh fkdl<

u;hla ,nd § we;' fuu jd¾Isl jd¾;dfõ 240 msgqfõ th olajd we;'

ndysr ú.Kkh

nexl=fõ iy tys mßmd,s;fha uQ,H m%ldYk ú.Kldêm;s úiska

ú.Kkh lrk ,oS' nexl=fõ taldnoaO uQ,H m%ldYk ms<sn|

ú.Kldêm;sf.a jd¾;dj fuu jd¾Isl jd¾;dfjys 245 msgqfjys olajd

we;' wOHË uKav, ú.Kk lñgqj wfkla lreKqo iuÕska" ish¨

wNHka;r ú.Kk iy mÍlaIK jevigyka" wNHka;r md,k moaO;s

iy l%shd mámdáj, ld¾hlaIu;dj iudf,dapkh l< w;ru iqúfYaIS

.sKqïlrK m%;sm;a;s iy jHjia:dms; iy kshduk wjYH;dj,g tajdfha

wkql+, njo iudf,dapkh l< w;r" tajdfha úia;r fuu jd¾Isl

jd¾;dj ;=< 179 isg 182 olajd msgqj, we;s ú.Kk lñgq jd¾;dfõ §

we;' mQ¾K iajdëk;ajh iy;sl lsÍug ú.Kldêm;sg iy wNHka;r

ú.Kljrekag" jeo.;a jk lreKq idlÉPd lsÍug wOHË uKav,

ú.Kk lñgqfõ idudðlhka fj; mQ¾K iy ksoyia m%fõYh we;'

;yjqre lsÍu

wms wfma oekqfï ;rug my; foaj,a ;yjqre lruq'

nexl=j iy iuQyh ish¨ wod< úh yels kS;s iy fr.=,dis iy

wjYH;d iuÕ wkql+, ù we;'

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uQ,H m%ldYkj, 341 msgqfõ 49 igyfka fy<sorõ lr we;s f;dr;=re

yer nexl=jg iy iuQyhg tfrysj kvq mejÍï ke;'

nexl=j iy iuQyh úiska f.úh hq;= ish¨ nÿ" ;Sre nÿ" wh nÿ

iy ish¨ jHjia:dms; f.ùï iy nexl=fõ iy iuQyfha fiajlhka

fjkqfjka iy Tjqka i|yd f.úh hq;= ish¨ odhl uqo,a wh nÿ iy

nÿ 2018 foieïn¾ 31 jk Èkg f.jd fyda wjYH mßos m%;smdokhka

lr we;'

Oïñl fmf¾rd

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ls;aisß úchr;ak

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245



iNdm;s

cd;sl b;sß lsÍfï nexl=j

cd;sl b;sß lsÍfï nexl=fõ iy tys mßmd,s;fha 2018 foieïn¾ 31

Èfkka wjika j¾Ih i|yd jQ uQ,H m%ldYk iy fjk;a ffk;sl yd

kshduk wjYH;d ms<sn|j 2018 wxl 19 ork cd;sl ú.Kk mkf;a

12 jk j.ka;sh m%ldrj ú.Kldêm;s jd¾;dj

1' uQ,H m%ldYk

1'1 u;h

cd;sl b;sß lsÍfï nexl=fõ ^—nexl=j˜& iy tys mßmd,s;fha ^—iuQyh˜&

2018 foieïn¾ 31 Èkg uQ,H ;;a;aj m%ldYkh iy tÈfkka wjika

j¾Ih i|yd jQ úia;S¾K wdodhï m%ldYkh" ysñlï fjkiaùfï

m%ldYkh iy uqo,a m%jdy m%ldYkh iy uQ,H m%ldYk j,g wod<

igyka" idrdxY.; jeo.;a .sKqïlrK m%;sm;a;sj,ska iukaú; 2018

foieïn¾ 31 Èfkka wjika j¾Ih i|yd jQ uQ,H m%ldYk yd taldnoaO

uQ,H m%ldYk Y%S ,xld m%cd;dka;%sl iudcjd§ ckrcfha wdKavql%u

jHjia:dfõ 154 ^1& jHjia:dj iuÕ ixfhdað;j lshúh hq;= 2018 wxl

19 ork cd;sl ú.Kk mkf;a úêúOdk m%ldr udf.a úOdkh hgf;a

ú.Kkh lrk ,§' wdKavql%u jHjia:dfõ 154 ^6& jHjia:dj m%ldrj

udf.a jd¾;dj h:d ld,fha§ md¾,sfïka;=fõ iNd.; lrkq ,efí'

nexl=fõ iy iuQyfha 2018 foieïn¾ 31 Èkg uQ,H ;;a;ajh iy

tÈfkka wjika j¾Ih i|yd tys uQ,H l%shdldß;ajh yd uqo,a m%jdy

Y%S ,xld .sKqïlrK m%ñ;sj,g wkql+,j i;H yd idOdrK ;;a;ajhla

ms<sìUq lrk nj ud orkakd jQ u;h fõ'

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m%ldYk ú.Kkh iïnkaOfhka ú.Klf.a j.lSu hk fldgfia

;jÿrg;a úia;r lr we;' udf.a u;h i|yd mokula iemhSu Wfoid

ud úiska ,ndf.k we;s ú.Kk idlaIs m%udKj;a iy WÑ; nj udf.a

úYajdihhs'

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hdfï yelshdj ;SrKh lsÍu l<ukdlrKfha j.lSula jk w;r"

l<ukdldß;ajh iuQyh wEjr lsÍug woyia lrkafka kï fyda fjk;a

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yer wLKav meje;afï moku u; .sKqï ;eîu yd iuQyfha wLKav

meje;aug wod< lreKq wkdjrKh lsÍuo l<ukdlrKfha j.lSuls'

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md,kh lrk md¾Yjhka úiska orkq ,nhs'

2018 wxl 19 ork cd;sl ú.Kk mkf;a 16 ^1& j.ka;sh m%ldrj" iuQyh

jd¾Isl iy ld,Sk uQ,H m%ldYk ms<sfh, lsÍug yelsjk mßÈ iajlSh

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mj;ajdf.k hd hq;=h'

1'4 uQ,H m%ldYk ú.Kkh iïnkaOfhka

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mokï lr.ksñka mßYS,lhka úiska .kq ,nk wd¾Ól ;SrK flfrys

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246

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;lafiare lsÍfï§ wjia:dfkdaÑ;j WÑ; ú.Kk mámdá ie,iqï

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wNHka;r md,khka uÕyeÍu jxpdjla we;sùug fya;=fõ'

wjia:dfjdaÑ;j WÑ; ú.Kk mámdá ie,iqï lsÍu ms‚i iuQyfha

wNHka;r md,kh iïnkaOfhka wjfndaOhla ,nd .kakd ,o kuq;a"

wNHka;r md,kfha iM,odhs;ajh ms<sn| u;hla m%ldY lsÍug

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m%udKd;aul wúksYaÑ;;djhla ;sfío hkak iïnkaOfhka ,nd.;a

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meje;au ms<sn| moku fhdod .ekSfï wod<;ajh ;SrKh lrk ,§'

m%udKj;a wúksYaÑ;;djhla we;s njg ud ks.ukh lrkafka kï

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m%udKj;a fkdjkafka kï udf.a u;h úlrKh l< hq;=h' flfia

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ms<sn| jd¾;dj

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iïnkaOfhka úfYaI m%;smdok we;=<;a fõ'

2018 wxl 19 ork cd;sl ú.Kk mkf;a 12 ^w& j.ka;sfha i|yka

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i|yka wjYH;djh wkqj uQ,H m%ldYk bl=;a j¾Ih iuÕ

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2018 wxl 19 ork cd;sl ú.Kk mkf;a 6 ^1& ^wE& îv& j.ka;sfha

i|yka wjYH;djh wkqj bl=;a j¾Ifha§ ud úiska isÿlrk ,o

ks¾foaYhka bÈßm;a lrk ,o uQ,H m%ldYkj, we;=<;aj we;'

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m%udKd;aul lreKqj,g iSud lsÍu ;=<" my; i|yka m%ldY lsÍug ;rï

lsisjla udf.a wjOdkhg ,la fkdùh'

2018 wxl 19 ork cd;sl ú.Kk mkf;a 12 ^wE& j.ka;sfha i|yka

wjYH;djh wkqj nexl=fõ md,l uKav,fha hï idudðlfhl=g

nexl=j iïnkaO ù hï .súiqula iïnkaOfhka iDcqj fyda

wkHdldrhlska idudkH jHdmdßl ;;a;ajfhka neyerj iïnkaOhla

we;s nj'

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wjYH;djh wkqj hï wod< ,sÅ; kS;shlg fyda nexl=fõ md,l

uKav,h úiska ksl=;a lrk ,o fjk;a fmdÿ fyda úfYaI úOdkj,g

wkql+, fkdjk f,i l%shd lr we;s nj'

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wjYH;djh wkqj nexl=j n,;," l¾;jH iy ld¾hhkag wkql+,

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wjYH;djh wkqj nexl=fõ iïm;a iliqrejï f,i" ld¾hlaIu

f,i iy M,odhS f,i ld,iSudjka ;=< wod< kS;sÍ;s j,g wkql+,j

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247



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uQ,H m%ldYkj, igyka - fmdÿ

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y÷kd.ekSu uQ,H WmlrK 2632'6 jeo.;a .sKqïlrK m%;sm;a;s - uQ,H WmlrK i|yd wdodhï

yd úhoï y÷kd.ekSu 2752'7 jeo.;a .sKqïlrK m%;sm;a;s - nÿlrKh 2752'8 uqo,a m%jdy m%ldYh 2762'9 kshduk m%;smdok 2762'10 jd¾;dlrK ld,mßÉfþohg miq isÿùï 2762'11 ksl=;a lrk ,o uq;a jd¾;dlrK oskg n, fkdmeje;afjk

.sKqïlrK m%ñ;Ska 276

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uQ,H m%ldYkj, igyka - uQ,H ;;a;ajh ms<sn| m%ldYh j;alï

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uQ,H m%ldYkj, igyka - uQ,H ;;a;ajh m%ldYh -

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31' nexl=j,g f.úh hq;= 31832' jHq;amkak uQ,H WmlrK 31933' ,dN$w,dN u.ska yªkd.;a uQ,H j.lSï 31934' l%uCIh msrsjeh u; uQ,H j.lSï 32034' ;ekam;alrejkag f.úh hq;= 32034' Kh iq/l=ïm;a ysñhkag f.úh hq;= 32034' fjk;a Kh .ekSï i|yd f.úh hq;= 32035' ksl=;al< Kh iq/l=ïm;a 32136' fiajdjidk m%;s,dN ne|Sï 32237' m%j¾;k nÿ j.lSï 33038' fjk;a m%;smdok 33139' fjk;a j.lSï 33140' mßmd,s; iud.ïj,g f.úh hq;= 33141' m%ldYs; m%d.aaOkh$mjrk ,o m%d.aaOkh 33242' jHjia:dms; ixÑ; wruqo, 33243' r|jd.;a bmhSï 33344' fjk;a ixÑ; 33345' md,kh hg;a fkdjk ysñlu 336

uQ,H m%ldYkj, igyka - wfkl=;a fy<sorõ lsÍfï wjYH;djhka

46' wiïNdjH j.lSï yd ne|Sï 33647' iïnkaê; md¾Yjhkag wod< fy<sorõ lsÍu 33748' idudkH fldgil Y==oaO j;alï jákdlu 34149' nexl=jg yd iuQyhg úreoaOj we;s kS;s lD;Hhka 34150' uQ,H m%ldY jd¾;d l< oskg miq isÿùï 34251' ixikaokd;aul f;dr;=re 34252' Y%S ,xld uQ,H jd¾;dlrK m%ñ;Ska ^Y%S','uQ'jd'm%' 9& ixl%dka;sh

ms<sn| meyeos,s lsÍu 34253' uq,H wjodkï l<ukdlrKh 35454' l,aa msÍfï úYaf,AIKh 37255' uQ,H WmlrKj, idOdrK w.h 37556' m%d.aOk l<ukdlrKh ^kshduk jd¾;dlrKh wkqj& 380

uQ,H m%ldYkj, wka;¾.;h

248



nexl=j iuQyh

foieïn¾ 31 Èfkka wjika j¾Ih i|yd

igyka

2018

re' Z000

2017

kej; w.hk ,o

re' Z000

fjki

]

2018

re' Z000

2017

kej; w.hk ,o

re' Z000

fjki

]

o< wdodhu 3 111,902,078 107,995,784 4 112,760,454 108,234,622 4

fmd,S wdodhu 110,506,931 103,578,838 7 111,718,948 104,424,417 7wvql<d( fmd,S úhou 85,622,275 78,444,825 9 86,460,269 78,987,596 9

Y=oaO fmd,S wdodhu 4 24,884,656 25,134,013 (1) 25,258,679 25,436,821 (1).dia;= iy fldñia wdodhu 1,005,262 782,776 28 1,008,482 785,077 28wvql<d( .dia;= iy fldñia úhou 141,196 109,082 29 144,685 113,037 28

Y=oaO .dia;= iy fldñia wdodhu 5 864,066 673,694 28 863,797 672,040 29fj<|dï lghq;=j,ska ,o Y=oaO ,dNh$^w,dNh& 6 (707,433) 1,206,408 (159) (1,062,421) 1,520,740 (170),dN fyda w,dN u`.ska idOdrK w.hg kï l< uQ,H

WmlrKhkaf.ka ,;a Y=oaO ,dNh$^w,dNh& 7 – – – – – –uQ,H j;alï y÷kd.ekSu w;ayeÍu ;=<ska ,;a Y=oaO

,dNh$^w,dNh& 8 6,906 707,491 (99) 6,906 707,491 (99)fjk;a fufyhqï wdodhï ^Y=oaO& 9 1,090,412 1,720,272 (37) 1,088,539 796,897 37

uq¿ fufyhqï wdodhu 26,138,607 29,441,877 (11) 26,155,500 29,133,988 (10)wvql<d( ydkslrK úhoï 10 871,049 765,847 14 870,994 765,858 14

Y=oaO fufyhqï wdodhu 25,267,558 28,676,030 (12) 25,284,506 28,368,130 (11)

wvql<d - úhoï

fiajl uKav, úhoï 11 9,262,705 6,886,505 35 9,302,548 6,918,813 34CIhùï yd l%uCIh úhoï 638,795 423,547 51 639,779 424,352 51fjk;a úhoï 12 4,194,979 3,737,364 12 4,160,782 3,682,765 13

uQ,H fiajd u; tl;=l< w.h u; nÿ" cd;sh

f.dvke.Sfï nÿ iy Kh wdmiq f.jSfï nÿ fmr

fufyhqï ,dNh 11,171,079 17,628,615 (37) 11,181,397 17,342,200 (36)wvql<d ( uQ,H fiajd u; tl;= l< w.h u; nÿ 2,577,657 3,082,619 (16) 2,584,220 3,168,299 (18) uQ,H fiajd u; cd;sh f.dvke.Sfï nÿ 343,688 411,016 (16) 344,563 422,440 (18) uQ,H fiajd u; Kh wdmiq f.ùfï nÿ 308,371 – 100 308,371 – 100


f.dvke.Sfï nÿ iy Kh wdmiq f.ùfï nÿ miq

fufyhqï ,dNh 7,941,364 14,134,980 (44) 7,944,243 13,751,461 (42)

wdY%s; iud.ï j, iy noaO jHdmdr j, ,dNfhka

ysñ fldgi – – – – – –

wdodhï nÿj,g fmr ,dNh 7,941,364 14,134,980 (44) 7,944,243 13,751,461 (42)

wvql<d( wdodhï nÿ úhou 13 3,441,213 4,419,019 (22) 3,444,056 4,595,065 (25)j¾Ih i|yd ,dNh 4,500,151 9,715,961 (54) 4,500,187 9,156,396 (51)

,dNh fn§ hk wdldrh

md,l iud.fï ysñlrejkag 4,500,151 9,715,961 (54) 4,500,187 9,156,396 (51)md,khg hg;a fkdjk ysñlï – – – – – –

j¾Ih i|yd ,dNh 4,500,151 9,715,961 (54) 4,500,187 9,156,396 (51)

,dNh u; fldgil bmehSu

idudkH fldgil uQ,sl bmehSï ^re'& 14 6.72 15.67 (57) 6.72 14.77 (55)idudkH fldgil ;kql bmehSï ^re'& 6.72 15.67 (57) 6.72 14.77 (55)

j¾Ih i|yd ,dNh 4,500,151 9,715,961 (54) 4,500,187 9,156,396 (51)

wdodhï m%ldYh

249



nexl=j iuQyh

foieïn¾ 31 Èfkka wjika j¾Ih i|yd

igyka

2018

re' Z000

2017

kej; w.hk ,o

re' Z000

fjki

]

2018

re' Z000

2017

kej; w.hk ,o

re' Z000

fjki

]

j¾Ih i|yd ,dNh 4,500,151 9,715,961 (54) 4,500,187 9,156,396 (51)

wdodhï m%ldYhg kej; j¾.SlrKh l< hq;= fjk;a

úia;S¾K wdodhï

úfoaY .kqfokq mßj¾;kh u; jQ úksuh fjkialï – – – – – –bÈß /l=ï uqo,a m%jdy lghq;= j,ska ,;a Y=oaO

,dN$^w,dN& (291,924) 290,074 (201) (291,924) 290,074 (201)fjk;a úia;S¾K wdodhï u`.ska idOdrK w.hg mj;sk

Kh WmlrK u; Y=oaO ,dN$^w,dN& – – – – – –

wdY%s; iud.ï iy noaO jHdmdr j, ,dNfhka

ysñ fldgi – – – – – –

fjk;a úia;S¾K wdodhï u`.ska idOdrK w.hg m;a l<

Kh WmlrK (127,741) 693,559 (118) (149,144) 858,802 (117)wvql<d ( fjk;a úia;S¾K wdodhï u.ska idOdrK

w.hg kï l< Kh WmlrK bj;a lsrSu u; idOdrK

w.h u; ,dN$^w,dN& 1,370 (690,388) 99 1,370 (690,388) 99wvql<d ( wdodhï m%ldYhg kej; j¾.SlrKh l< hq;=

whs;uhkag wod< nÿ úhoï – – – – – –


úia;S¾K wdodhï tl;=j (418,295) 293,245 (243) (439,698) 458,488 (196)

wdodhï m%ldYhg kej; j¾.SlrKh l< hq;= fkdjk

fjk;a úia;S¾K wdodhï

fjk;a úia;S¾K wdodhï u`.ska idOdrK w.hg mj;sk

ysñlï WmlrKj, wdfhdackhkays idOdrK w.fhys

fjkiaùu (690,435) (36,752) 1,779 (690,435) (36,752) 1,779,dN fyda w,dN u`.ska idOdrK w.hg mj;sk uQ,H

j.lSï u; nexl=fõ Kh wjodku wdfrdamKh lsÍfï

idOdrK fjkiaùu – – – – – –fiajdjidk m%;s,dN ne|Sï kej; wd.Kkh (210,861) (2,072,425) (90) (211,258) (2,072,155) (90)m%;Hd.Kk w;sßla;fhys fjkiaùï – 4,508,480 (100) – 4,508,480 (100)wdY%s; iud.ï iy noaO jHdmdr j, ,dNfhka ysñ

fldgi – – – – – –wvql<d ( wdodhï m%ldYhg kej; j¾.SlrKh fkdl<

hq;= whs;uhkag wod< nÿ úhou – – – – – –

wdodhï m%ldYhg kej; j¾.SlrK l< hq;= fkdjk

fjk;a úia;S¾K wdodhï tl;=j (901,296) 2,399,303 (138) (901,694) 2,399,573 (138)

j¾Ihg wod< fjk;a úia;S¾K wdodhï" nÿ f.jQ miq (1,319,591) 2,692,547 (149) (1,341,392) 2,858,060 (147)

j¾Ihg wod< uq¿ úia;S¾K wdodhu 3,180,560 12,408,508 (74) 3,158,795 12,014,456 (74)

,dNh fn§ hk wdldrh

md,l iud.fï ysñlrejka 3,180,560 12,408,508 (74) 3,158,795 12,014,456 (74)md,khg hg;a fkdjk ysñlï – – – – – –

j¾Ih i|yd uq¿ úia;S¾K wdodhu 3,180,560 12,408,508 (74) 3,158,795 12,014,456 (74)

258 msgqfõ isg 380 msgqj olajd fy<sorõ lr we;s jeo.;a .sKqïlrK m%;sm;a;s iy .sKqï ms<sn| igyka" fuu uQ,H m%ldYkhkaf.a ixl,s; fldgils'

úia;SrK wdodhï m%ldYh

250



nexl=j iuQyh

foieïn¾ 31 Èkg

igyka

2018

re' Z000

2017

kej; w.hk ,o

re' Z000

fjki

]

2018

re' Z000

2017

kej; w.hk ,o

re' Z000

fjki

]

j;alï

uqo,a yd uqo,aj,g iudkhka 16 3,434,524 3,849,530 (11) 3,436,929 3,853,989 (11)uy nexl=j fj;e;s fYaIhka 17 – – – 177 94 89nexl=j, we;s ;ekam;= 18 17,588,445 23,437,274 (25) 17,588,445 23,437,274 (25)jHq;amkak uQ,H WmlrK 19 4,740,106 1,360,714 248 4,740,106 1,360,714 248,dN w,dN u`.ska y÷kd.;a uQ,H j;alï 20

– idOdrK w.hg .Kkh l< 16,680,382 6,472,314 158 26,867,533 9,389,950 186 – idOdrK w.hg kï l< – – – – – –

l%uCIh msßjeh u; uQ,H j;alï

– Kh yd w;a;sldrï 21 423,532,145 375,703,730 13 423,557,119 374,416,626 13 – Kh yd fjk;a WmlrK 22 518,947,969 555,468,618 (7) 522,973,159 559,319,752 (6)

fjk;a úia;S¾K wdodhï u`.ska idOdrK

w.hg .Kkh l< uQ,H j;alï 23 6,184,430 5,693,829 9 7,788,560 7,513,932 4md,s; iud.ïj, wdfhdackhka 24 1,700,000 900,000 89 – – –wdY%s; iud.ïj, iy noaO jHdmdrj,

wdfhdackh 25 – – – – – –foam," msßh; iy WmlrK 26 13,465,755 12,395,684 9 13,468,776 12,399,334 9foam, wdhdack 27 – – – – – –lS¾;skduh yd wiamDYH j;alï 28 – – – – – –ú,ïî; nÿ j;alï 29 – – – 73 – 100fjk;a j;alï 30 31,209,216 25,695,689 21 31,532,684 25,976,944 21

uq¿ j;alï 1,037,482,973 1,010,977,382 3 1,051,953,560 1,017,668,610 3

j.lSï

nexl= j,g f.úh hq;== 31 77,119,146 48,596,591 59 83,615,264 49,352,574 69jHq;amkak uQ,H WmlrK 32 1,533 956,937 (100) 1,533 956,937 (100),dN w,dN u`.ska y÷kd.;a uQ,H j.lSï 33 – – – – – –l%uCIh msßjeh u; uQ,H j.lSï 34

– ;ekam;alrejkag f.úhhq;= 839,574,411 737,212,640 14 839,574,411 737,212,640 14 – Kh iq/l=ïm;a ysñhkag f.úhhq;= – – – – – – fjk;a Kh .ekSï i|yd f.úhhq;= 14,804,802 12,837,008 15 21,750,178 17,545,212 24

ksl=;a l< Kh iq/l=ïm;a 35 52,389,133 162,709,027 (68) 52,389,133 162,709,027 (68)fiajdjidk m%;s,dN ne|Sï 36 3,830,795 3,711,431 3 3,832,777 3,712,665 3m%j¾;k nÿ j.lSï 37 – – – – 137,344 (100)ú,ïî; nÿ j.lSï 29 582,463 507,063 15 582,463 507,138 15fjk;a fjkalsÍï 38 – – – – – –fjk;a j.lSï 39 5,447,277 5,350,244 2 5,452,317 5,394,795 1md,s; iud.ïj,g f.úhhq;= 40 750 750 – – – –

uq¿ j.lSï 993,750,308 971,881,691 2 1,007,198,076 977,528,332 3

uQ,H ;;a;aj m%ldYh

251

uQ,H ;;a;aj m%ldYh



nexl=j iuQyh

foieïn¾ 31 Èkg

igyka

2018

re' Z000

2017

kej; w.hk ,o

re' Z000

fjki

]

2018

re' Z000

2017

kej; w.hk ,o

re' Z000

fjki

]

ysssñlï

m%ldYs; m%d.aOkh$mjrk ,o m%d.aOkh 41 9,400,000 6,700,000 40 9,400,000 6,700,000 40jHjia:dms; ixÑ; wruqo, 42 3,227,960 3,002,952 7 3,227,960 3,002,952 7r|jd.;a bmhSï 43 4,622,080 1,102,798 319 5,198,451 1,679,540 210fjk;a ixÑ; 44 26,482,625 28,289,941 (6) 26,929,074 28,757,786 (6)

whs;slrejkaf.a uq¿ ysssñlu 43,732,665 39,095,691 12 44,755,484 40,140,278 11md,khg hg;a fkdjk ysñlï 45 – – – – – –

uq¿ ysssñlu 43,732,665 39,095,691 12 44,755,484 40,140,278 11

uq¿ ysssñlï iy j.lSï 1,037,482,973 1,010,977,382 3 1,051,953,560 1,017,668,610 3

wiïNdjH j.lSï iy ne|Sï 46 4,481,397 18,320,312 (76) 4,481,397 18,320,312 (76)

kdñl f;dr;=re

fiajl ixLHdj 4,512 4,470 YdLd ixLHdj 255 253

igyk ( ydkslrKfhka yd CIh lsÍfuka miq Y=oaO w.hka olajd we;'

258 msgqfõ isg 380 olajd fy<sorõ lr we;s jeo.;a .sKqïlrK m%;sm;a;s iy .sKqï ms<sn| igyka" fuu uQ,H m%ldYkhkaf.a ixl,s; fldgils'

iy;sl lsÍu

by; i|yka uQ,H m%ldYkj,ska 2018 foieïn¾ 31 Èkg nexl=fõ lghq;= iy tÈfkka wjika j¾Ih i|yd tys ,dNh ms<sn| i;H yd idOdrK

;;a;ajhka fmkakqï lrk njg iy;sl lrñ'

ls;aisß úchr;ak

ksfhdacH idudkHdêldÍ ûqo,a yd ie,iqï&

fuu uQ,H m%ldYk ms<sfh, lsÍu iy bÈßm;a lsÍu" wOHlaI uKav,fha j.lSu fõ'

wkqu; lr wOHlaI uKav,h fjkqfjka w;aika lrk ,§'

chrdc pkaøfialr wks,a rdclreKd Oïñl fmf¾rd

iNdm;s fcHIaG wOHCI idudkHdêldÍ$m%Odk úOdhl ks,OdÍ

2019 ud¾;= 14

fld<U"

YS%% ,xldj

252



nexl=j

m%ldYs; m%d.aOkh

$mjrk ,o

m%d.aOkh

re' Z000

jHjia:dms;

ixÑ; wruqo,

re' Z000

m%;Hd.Kk

ixÑ;h

re' Z000

fjk;a úia;S¾K

wdodhï ixÑ;h

re' Z000

bÈß /l=ï uqo,a

m%jdy ixÑ;h

re' Z000

fjk;a ixÑ;

re' Z000

r|jd.;a

bmehqï

re' Z000

uq¿

ysñlu

re' Z000

2017 ckjdß 01 Èkg fYaIh 6,200,000 2,522,467 3,296,565 1,378,818 1,850 16,466,570 2,379,307 32,245,580Y%S' ,' uQ' jd' m%' 9 (SLFRS-9) fhdod.ekSu u; jQ n,mEu – – – – – – (1,232,348) (1,232,348)

2017 ckjdß 01 Èkg kej; w.hk ,o fYaIh 6,200,000 2,522,467 3,296,565 1,378,818 1,850 16,466,570 1,146,959 31,013,232

2017 j¾Ih i|yd ,dNh – – – – – – 9,715,961 9,715,961

fjk;a úia;SrK wdodhï ^nÿ miq& – – 4,508,480 (33,581) 290,074 – (2,072,425) 2,692,547

j¾Ih i|yd uq¿ úia;S¾K wdodhu – – 4,508,480 (33,581) 290,074 – 7,643,536 12,408,508

ysñlug iDcqj .,mk ,o ysñlrejka iuÕ isssÿl< .kqfokq

j¾Ih ;==< ixÑ; fj;$fj;ska udrelsÍï – 480,485 (11,728) – – 2,000,000 (2,480,485) (11,728)

taldnoaO wruqo,g odhlùï-,dNdxY$úfYaI nÿ – – – – – – (5,111,114) (5,111,114)

cd;sl rCIK Ndrldr wruqo,g odhlùï – – – – – – (96,097) (96,097)

ysñlï fkdmE ;ekaam;= ixÑ;hg udrelsÍï$ksl=;a l< fldgia m%d.aOkh 500,000 – – – – 392,891 – 892,891

ysñlï orkakka iuÕ issÿl< uq¿ .kqfokq 500,000 480,485 (11,728) – – 2,392,891 (7,687,696) (4,326,048)

2017 foieïn¾ 31 Èkg fYaIh 6,700,000 3,002,952 7,793,317 1,345,237 291,924 18,859,461 1,102,798 39,095,691

2018 j¾Ih i|yd ,dNh – – – – – – 4,500,151 4,500,151

fjk;a úia;S¾K wdodhu ^nÿ miq& – – – (816,806) (291,924) – (210,861) (1,319,591)

j¾Ih i|yd uq¿ úia;S¾K wdodhu – – – (816,806) (291,924) – 4,289,290 3,180,560

ysñlug iDcqj .,mk ,o ysñlrejka iuÕ issÿl< .kqfokqq

j¾Ih ;==< ixÑ;j,g udrelsÍï – 225,008 – – – – (225,008) –

taldnoaO wruqo,g odhlùï – ,dNdxY$úfYaI nÿ – – – – – – (500,000) (500,000)


ysñlï fkdmE ;ekaam;= ixÑ;hg udrelsÍï$ksl=;al< fldgia m%d.aOkh 2,700,000 – – – – (698,587) – 2,001,413

ysñlï orkakka iuÕ issÿl< uq¿ .kqfokq 2,700,000 225,008 – – – (698,587) (770,009) 1,456,411

2018 foieïn¾ 31 Èkg fYaIh 9,400,000 3,227,960 7,793,317 528,430 – 18,160,874 4,622,080 43,732,665


yssñlï fjkiaùfï m%ldYh

253




nexl=j

m%ldYs; m%d.aOkh

$mjrk ,o

m%d.aOkh

re' Z000

jHjia:dms;

ixÑ; wruqo,

re' Z000

m%;Hd.Kk

ixÑ;h

re' Z000

fjk;a úia;S¾K

wdodhï ixÑ;h

re' Z000

bÈß /l=ï uqo,a

m%jdy ixÑ;h

re' Z000

fjk;a ixÑ;

re' Z000

r|jd.;a

bmehqï

re' Z000

uq¿

ysñlu

re' Z000



2017 j¾Ih i|yd ,dNh – – – – – – 9,715,961 9,715,961

fjk;a úia;SrK wdodhï ^nÿ miq& – – 4,508,480 (33,581) 290,074 – (2,072,425) 2,692,547

j¾Ih i|yd uq¿ úia;S¾K wdodhu – – 4,508,480 (33,581) 290,074 – 7,643,536 12,408,508





ysñlï fkdmE ;ekaam;= ixÑ;hg udrelsÍï$ksl=;a l< fldgia m%d.aOkh 500,000 – – – – 392,891 – 892,891


2017 foieïn¾ 31 Èkg fYaIh 6,700,000 3,002,952 7,793,317 1,345,237 291,924 18,859,461 1,102,798 39,095,691

2018 j¾Ih i|yd ,dNh – – – – – – 4,500,151 4,500,151



ysñlug iDcqj .,mk ,o ysñlrejka iuÕ issÿl< .kqfokqq

j¾Ih ;==< ixÑ;j,g udrelsÍï – 225,008 – – – – (225,008) –

taldnoaO wruqo,g odhlùï – ,dNdxY$úfYaI nÿ – – – – – – (500,000) (500,000)




2018 foieïn¾ 31 Èkg fYaIh 9,400,000 3,227,960 7,793,317 528,430 – 18,160,874 4,622,080 43,732,665


254




iuqyh

m%ldYs; m%d.aOkh

$mjrk ,o

m%d.aOkh

re' Z000

jHjia:dms;

ixÑ; wruqo,

re' Z000

m%;Hd.Kk

ixÑ;h

re' Z000

fjk;a úia;S¾K

wdodhï ixÑ;h

re' Z000

bÈß /l=ï uqo,a

m%jdy ixÑ;h

re' Z000

fjk;a ixÑ;

re' Z000

r|jd.;a

bmehqï

re' Z000

uq¿

ysñlu

re' Z000



2017 j¾Ih i|yd ,dNh – – – – – – 9,156,396 9,156,396

fjk;a úia;SrK wdodhï ^nÿ miq& – – 4,508,480 131,662 290,074 – (2,072,155) 2,858,060

j¾Ih i|yd uq¿ úia;S¾K wdodhu – – 4,508,480 131,662 290,074 – 7,084,241 12,014,456




,dNdxY u; r|jd.ekSfï nÿ – (102,483) (102,483)


ysñlï fkdmE ;ekaam;= ixÑ;hg udrelsÍï$ksl=;al< fldgia m%d.aOkh 500,000 – – – – 392,891 – 892,891


2017 foieïn¾ 31 Èkg fYaIh 6,700,000 3,002,952 7,793,317 1,228,420 291,924 19,444,122 1,679,540 40,140,278

2018 j¾Ih i|yd ,dNh – – – – – – 4,500,187 4,500,187




j¾Ih ;==< ixÑ;j,g udrelsÍï – 225,008 – – – 9 (225,016) –

taldnoaO wruqo,g odhlùï-,dNdxY$úfYaI nÿ – – – – – – (500,000) (500,000)

,dNdxY u; r|jd.ekSfï nÿ – – – – – – – –




2018 foieïn¾ 31 Èkg fYaIh 9,400,000 3,227,960 7,793,317 390,210 – 18,745,544 5,198,451 44,755,484


255




iuqyh

m%ldYs; m%d.aOkh

$mjrk ,o

m%d.aOkh

re' Z000

jHjia:dms;

ixÑ; wruqo,

re' Z000

m%;Hd.Kk

ixÑ;h

re' Z000

fjk;a úia;S¾K

wdodhï ixÑ;h

re' Z000

bÈß /l=ï uqo,a

m%jdy ixÑ;h

re' Z000

fjk;a ixÑ;

re' Z000

r|jd.;a

bmehqï

re' Z000

uq¿

ysñlu

re' Z000



2017 j¾Ih i|yd ,dNh – – – – – – 9,156,396 9,156,396

fjk;a úia;SrK wdodhï ^nÿ miq& – – 4,508,480 131,662 290,074 – (2,072,155) 2,858,060

j¾Ih i|yd uq¿ úia;S¾K wdodhu – – 4,508,480 131,662 290,074 – 7,084,241 12,014,456




,dNdxY u; r|jd.ekSfï nÿ – (102,483) (102,483)


ysñlï fkdmE ;ekaam;= ixÑ;hg udrelsÍï$ksl=;al< fldgia m%d.aOkh 500,000 – – – – 392,891 – 892,891


2017 foieïn¾ 31 Èkg fYaIh 6,700,000 3,002,952 7,793,317 1,228,420 291,924 19,444,122 1,679,540 40,140,278

2018 j¾Ih i|yd ,dNh – – – – – – 4,500,187 4,500,187




j¾Ih ;==< ixÑ;j,g udrelsÍï – 225,008 – – – 9 (225,016) –

taldnoaO wruqo,g odhlùï-,dNdxY$úfYaI nÿ – – – – – – (500,000) (500,000)

,dNdxY u; r|jd.ekSfï nÿ – – – – – – – –




2018 foieïn¾ 31 Èkg fYaIh 9,400,000 3,227,960 7,793,317 390,210 – 18,745,544 5,198,451 44,755,484


256



nexl=j iuQyh

foieïn¾ 31 Èfkka wjika j¾Ih i|yd 2018

re' Z000

2018

re' Z000

2018

re' Z000

2018

re' Z000

fufyhqï lghq;= j,ska ,;a uqo,a m%jdy

fmd,S ,eîï 108,759,712 98,133,606 109,734,424 98,979,184fmd,S f.ùï (85,287,503) (72,290,143) (86,068,354) (72,832,914)Y=oaO fldñia ,eîï 864,066 673,694 863,797 672,040fj<|dï wdodhu 546,667 1,044,274 563,393 1,070,689fiajl uKav, f.ùï (8,944,003) (6,976,586) (8,983,846) (7,008,894)uQ,H fiajd u; tl;=l< w.h u; nÿ" cd;sh f.dvke.Sfï nÿ"

Kh wdmiq f.ùfï nÿ (3,372,310) (3,291,976) (3,379,748) (3,389,080)fjk;a fufyhqï l%shdldrlï j,ska ,eîï 283,187 691,445 281,314 690,422fjk;a fufyhqï l%shdldrlï j,g f.ùï (3,731,927) (3,411,069) (3,697,730) (3,356,470)

fufyhqï j;alï yd j.lSïj, fjkiaùïj,g

fmr fufyhqï ,dNh 9,117,889 14,573,245 9,313,250 14,824,977

fufyhqï j;alïj, ^jeäùu&$wvqùu

Y%S ,xld uy nexl=j fj;e;s fYaIhka – – – –nexl=j, we;s ;ekam;= 6,015,111 (4,455,574) 6,015,111 (4,455,574)jHq;amkak uQ,H WmlrK (3,671,316) 1,657,805 (3,671,316) 1,657,805,dN fyda w,dN u.ska idOdrK w.hg mj;sk uQ,H j;alï (10,995,919) 14,276,771 (18,404,137) 18,659,670l%uCIh msßjeh u; uQ,H j;alï – Kh yd w;a;sldrï (48,291,029) (63,124,831) (49,603,184) (62,636,549)l%uCIh msßjeh u; uQ,H j;alï – Kh yd fjk;a WmlrK 37,230,245 (34,546,469) 37,060,618 (36,397,298)uQ,H wdfhdack úlsKSu yd l,amsÍu u`.ska ,;a uqo,a – – – –fjk;a j;alï (4,947,187) (4,760,511) (4,989,400) (4,946,620)

(24,660,094) (90,952,809) (33,592,308) (88,118,565)

fufyhqï j.lSïj, jeäùu$^wvqùu&

nexl= j,g f.úh hq;== 28,385,587 28,770,730 34,111,452 26,783,430jHq;amkak uQ,H WmlrK (956,937) 956,937 (956,937) 956,937l%uCIh msßjehg uQ,H j.lSï – ;ekam;alrejkag f.úhhq;= 101,633,538 75,188,272 101,633,538 75,188,272l%uCIh msßjehg uQ,H j.lSï – Kh iq/l=ïm;a ysñhkag f.úhhq;= – – – –l%uCIh msßjehg uQ,H j.lSï – fjk;a Kh .ekSï i|yd f.úhhq;= 2,699,945 (21,197,538) 4,894,246 (22,078,851)ksl=;al< Kh iq/l=ïm;a (107,552,900) 3,480,000 (107,552,900) 3,480,000fjk;a j.lSï (494,589) (1,796,670) (533,749) (1,760,565)

23,714,644 85,401,731 31,595,650 82,569,223

wdodhï nÿ fmr fufyhqï l%shdldrlïj,ska ,;a Y=oaO uqo,a m%jdy 8,172,439 9,022,167 7,316,592 9,275,634f.jQ wdodhï nÿ (3,365,813) (4,328,136) (3,506,148) (4,383,328)

fufyhqï l%shdldrlïj,ska ,;a Y=oaO uqo,a 4,806,626 4,694,031 3,810,444 4,892,306

uqo,a m%jdy m%ldYh

257

uqo,a m%jdy m%ldYh



nexl=j iuQyh


re' Z000

2018

re' Z000

2018

re' Z000

2018

re' Z000

wdfhdack lghq;=j,ska ,;a uqo,a m%jdy

foam," msßh; yd WmlrK ñ,§ .ekSï (1,742,224) (1,049,920) (1,742,579) (1,052,269)foam," msßh; yd WmlrK úlsKSfuka ,;a uqo,a 7,474 7,189 7,474 7,189fjk;a úia;S¾K wdodhï u`.ska idOdrK w.hg mj;sk

uQ,H WmlrKj, Y=oaO jeäùu$^wvqùu& (1,309,089) 1,232,344 (1,114,522) 1,289,898uQ,H wdfhdack úlsKSu yd l,amsÍu u`.ska ,;a uqo,a – – – –md,s; yd wdY%s; iud.ïj, wdfhdack w;am;a lr .ekSu u`.ska ,o

Y=oaO uqo,a m%jdyh (800,000) – – –md,s; yd wdY%s; iud.ïj, wdfhdackfhka ,o ,dNdxY – 172,350 – –

wdfhdack l%shdldrlïj, fhojQ$j,ska ,;a Y=oaO uqo,a (3,843,839) 361,963 (2,849,627) 244,817

uQ,Hkh lsÍfï lghq;=j,ska ,o uqo,a m%jdy

hg;ald,Sk Kh ksl=;a lsÍï u`.ska ,;a Y=oaO uqo,a – – – –hg;ald,Sk Kh wdmiq f.ùï – – – –hg;ald,Sk Kh u; f.jQ fmd,sh (780,000) (780,000) (780,000) (780,000)md,s; iud.fï fldgia ysñhkag f.jQ ,dNdxY – – – –,dNdxY u; r|jd.ekSfï nÿ – – – (84,983)taldnoaO wruqo,g odhlùï – ,dNdxY$ úfYaI nÿ (500,000) (5,111,114) (500,000) (5,111,114)

uQ,Hk lghq;= j,ska ,o Y=oaO uqo,a (1,280,000) (5,891,114) (1,280,000) (5,976,097)

uqo,a yd uqo,a iudkhkaf.a Y=oaO jeäùu$^wvqùu& (317,213) (835,120) (319,183) (838,974)

j¾Ih wdrïNfha§ uqo,a yd uqo,a iudkhka 3,669,188 4,504,308 3,673,741 4,512,715uqo,a yd uqo,a iudkhkaf.a úksuh fjki – – – –

j¾Ih wjidk Èkg uqo,a yd uqo,a j,g iudkhka 3,351,975 3,669,188 3,354,558 3,673,741

uqo,a yd uqo,a iudkhka whs;u iei`§u

w;e;s uqo,a 699,401 944,759 699,411 944,769nexl=j fj;e;s fYaIhka 2,735,350 2,892,643 2,737,745 2,897,093b,a¨ï iy fláld,Sk ;ekam;= – 12,224 – 12,224Y%S ,xld uy nexl=j fj;e;s fYaIhka – – 177 94nexl=j,g f.úh hq;== (82,775) (180,439) (82,775) (180,439)

3,351,975 3,669,188 3,354,558 3,673,741


258



1 jd¾;dlrK tallh

1'1 wdh;ksl f;dr;=re

cd;sl b;sßlsÍfï nexl=j" 1971 wxl 30 ork cd;sl b;sßlsÍfï nexl=

mk; hgf;a 1972 j¾IfhaoS YS% ,xldfõ ia:dmkh lrk ,o n,m;%,dNS

úfYaIs; nexl=jls¡ th 1988 wxl 30 ork nexl= mk; yd tys ixfYdaOk

hgf;a kshdukh jk n,m;%,dNS úfYaIs; nexl=jls' nexl=fõ ,shdmosxÑ

ld¾hd,h" wxl 255 —b;sßlsÍfï ukaosrh˜ .d,qmdr" fld<U 03"

Y%S ,xldj hk ,smskfhys msysgd we;¡

2018 foieïn¾ ui 31 oskg nexl=fõ uq¿ fiajlhka ixLHdj 4"512 la

úh' ^2017 - 4"470&'

fiajd iemhqï ia:dk f,i YdLd 255 la" yd iajhxl%Sh fg,¾ hka;% 310 la

o nexl=j i;=j mj;sk w;r" ksfhdað; cd, f,i ;eme,a ld¾hd, 653 la

iy Wm ;eme,a ld¾hd, 3"409 la nexl=j i;=j mj;S¡

1'2 taldnoaO uQ,H m%ldYk

2018 foieïn¾ 31 osfkka wjika j¾Ifhys taldnoaO uQ,H

m%ldYkj,g nexl=j ûõ iud.u& iy tys mQ¾K whs;shg hg;a

tka tia î *kaâ uefkaÊukaÜ lïmks ,sñgâ kïjQ md,s; iud.u

we;=<;a fõ'

nexl=fjys mQ¾K whs;sh Y%S ,xld rch i;=fõ' nexl=j iuQyfhys

wjika mßmd,lhd fõ' nexl=fõ iy tys mßmd,s; iud.fï uQ,H

m%ldYk i|yd foieïn¾ 31 osfkka wjika jk fmdÿ uQ,H j¾Ihla

mdol fjhs' iEu jirloSu md¾,sfïka;=fõ oS iNd.; lsÍu msKsi"

foieïn¾ ui 31 osfkka wjika jk udi fod<yl ld,mßÉfþoh

i|yd —nexl=fõ˜ iy —iuQyfha˜ uQ,H m%ldYk nexl=j úiska ms<sfh,

lrkq ,nhs¡

1'3 uQ,sl l%shdldrlï iy fufyhqïj, iajNdjh

GRI 102-2

nexl=j

fmr mßosu" Y%S ,dxlsl ck;dj w;r b;sßlsÍu m%.=K lrùu;a tfia

tla/ia lr.kakd ,o b;=reï ,dNodhS whqßka wdfhdackh lsÍu;a

nexl=fõ m%Odk l%shdldrlï úh' ;ekam;= Ndr .ekSu" wdh;ksl iy

mdßfNda.sl Kh" jHdmdr uQ,Hhkh" rdcH jHdmD;s i|yd Kh" Wlia

Kh" wka;¾cd, nexl=lrKh" tia tï tia nexl=lrKh hkdoS uQ,H

úi÷ï /ila cd;sl b;sßlsÍfï nexl=j fj;ska iemfhhs' 1971 wxl 30

ork cd;sl b;sßlsÍfï nexl= mk; m%ldr nexl=j tys ;ekam;= j,ska

wju jYfhka 60] la rdcH iq/l=ïm;ays wdfhdackh lsßug ne|S isà'

md,s; iud.u

nexl=fõ mQ¾K whs;shg hg;a md,s; iud.ula jk tka tia î *kaâ

uefkaÊukaÜ mqoa.,sl iud.u" m%d:ñl wf,úlrejl= jYfhka lghq;=

lrk w;r" rcfha iq/l=ïm;a .kqfokq lsÍfuys fhoS isáhs'

iudf,daÑ; j¾Ih ;=< iuQyfhys uQ,sl l%shdldrlïj, iajNdjfha

fjkila fkdúKs'

2 .sKqïlrK m%;sm;a;s

.sKqï m%ldYk bosßm;a lsÍfïoS fjk;a wdldrhlg olajd we;s njg

i|ykla fkdfõ kï" iEu ld,mßÉfÊohloSu my; i|yka lr

we;s .sKqïlrK m%;sm;a;s Wmfhda.S lr.kq ,en we;' nexl=fõ fuu

m%;sm;a;s fkdlvjdu iuQyh úiska Wmfhda.S lr.kq ,en we;s w;r

bka mßndysr wjia:djka ta wkqj fy<sorõ lr we;'

2'1 .sKqï ms<sfh, lsÍfï moku

2'1'1' wkql+,;djh ms<sn| m%ldYh

wdodhï m%ldYh" úia;S¾K wdodhï m%ldYh" uQ,H ;;a;ajh ms<sn|

m%ldYh" ysñlï fjkiaùu olajk m%ldYh" uqo,a m%jdy m%ldYh iy

uQ,H m%ldYkj,g igyka hkdosfhka iukaú; nexl=fõ uQ,H m%ldYk

yd iuQyfha taldnoaO uQ,H m%ldYk ms<sfh, lr we;af;a Y%S ,xld jr,;a

.Kldêldß wdh;kh úiska ksl=;a lr we;s Y%S ,xld .sKqïlrK

m%ñ;Skag (SLFRs iy LKAS) wkql+,j jk w;r" th 1988 wxl 30

ork nexl= mk; iy tys ixfYdaOk j,go wkql+, fõ' uqo,a m%jdy

f;dr;=re yereKq fldg fiiq uQ,H m%ldYk ms<sfh, fldg we;af;a

WmÑ; mokugh'

uQ,H m%ldYk ieliSfï§ Ndú; lrk ,o wdlD;sh Y%S ,xld uy nexl=j

úiska n,m;%,dNS nexl=j, jd¾Isl ú.Kkh lrk ,o uQ,H m%ldYk

ms<sfh, lsÍu" bosßm;a lsÍu iy m%ldYkh lsÍu i|yd ks¾foaY lr we;s

wdlD;shg o wkql+, fõ'

2'1'2 uQ,H m%ldYk ms<sn| j.lSu

Y%S ,xld .sKqïlrK m%ñ;Ska iy 1971 wxl 30 ork cd;sl b;sßlsÍfï

nexl= mkf;ys yd tys ixfYdaOkj, m%;smdok m%ldr" nexl=fõ iy

iuQyfha uQ,H m%ldYk ms<sfh, lsÍu iy bosßm;a lsÍu wOHCI

uKav,fha j.lsuhs'

2'1'3 uQ,H m%ldYk i|yd wOHCI uKav, wkque;sh

2018 foieïn¾ 31 osfkka wjika j¾Ih i|yd nexl=fõ iy iuQyfha

uQ,H m%ldYk wOHCI uKav,h úiska 2019 ud¾;= ui 14 jk osk wkqu;

lrk ,oS'

uQ,H m%ldYkj,g igyka

259




2'1'4 ñkqïlrK moku

my; whs;uhka yereKq fldg uQ,H ;;a;ajh ms<sn| m%ldYfhys

idOdrK w.h u; .Kkh lr we;s nexl=fõ taldnoaO uQ,H m%ldYk

ft;sydisl msßjeh moku u; ms<sfh, lr we;'

^¸& fjk;a úia;S¾K wdodhï u.ska idOdrK w.hg .Kkh l< uQ,H

j;alï îgyka wxl 23&

^¸¸& jHq;amkak uQ,H WmlrK îgyka wxl 19 yd 32&

^¸¸¸& ,dN fyda w,dN u.ska y÷kd.kq ,enQ uQ,H j;alï iy j.lSï

^¸¹& ,dN fyda w,dN u.ska idOdrK w.hg kï l< uQ,H j;alï

îgyka wxl 20&

^¹& w;am;a lr .ekSfïoS msßjehg ukskq ,nk yd miqj idOdrK

w.h u; m%;Hd.Ks; w.hka wkqj ñkqï lrkq ,nk bvï yd

f.dvke.s,s îgyka wxl 26&

^¹¸& ksYaÑ; m%;s,dN j.lSï j¾;udk jákdlfuka ie,iqï.;

j;alïj, idOdrK w.h bka wvq lsÍfuka miq fiajl ksYaÑ;

m%;s,dN ne|Sï j, j.lSu y÷kd.kq ,nhs' îgyka wxl 36&

2'1'5 l%shdldÍ iy bosßm;a lrkq ,nk jHjydr uqo,

iuQyfha fufyhqï lghq;= isÿ lrkq ,nk uQ,sl wd¾Òl mßirfha

jHjydr uqo,a tallh jk Y%S ,xld remsh,a ^re'& j,ska taldnoaO uQ,H

m%ldYk bosßm;a lr we;s w;r" úfYaIfhka olajd we;s wjia:dj,oS

yerKq fldg ishü w.hka wdikak oyia ia:dkhg jghd we;'

iudf,daÑ; j¾Ih ;=< iuQyfha bosßm;a l< jd¾;d j, l%shdldÍ yd

bosßm;a lrkq ,enQ jHdmdr uqo,a ys fjkila jd¾;d fkdúks'

2'1'6 uQ,H m%ldYk bosßm;a lsÍu

uQ,H ;;a;ajh ms<sn| m%ldYfhys bosßm;a lr we;s nexl=fõ iy iuQyfha

j;alï yd j.lSï" tajdfhys iajNdjh wkqj j¾.lr" l,amsÍfï rgdj yd

idfmaCI øjYS,;d wkqms<sfj, ms<sìUq jk whqßka ,ehsia;=.; lr we;'

uQ,H m%ldYkj,g n,mdk WoaOuk idOl iïnkaOfhka .e,mSula

isoqlr fkdue;' nexl=fõ yd iuQyfha j;alï yd j.lSï j, l,amsÍfï

rgdjkays úYaf,aIKh igyka wxl 54 ^msgq wxl 372 isg 374& ys olajd

we;'

y÷kd.;a w.hka ys,õ lsÍug" ffk;slj n,d;aul l< yels whs;shla

we;s úg iy Y=oaO mokula u; mshùug fyda tlajru j;alï Wm,íê

lsÍug iy j.lSï mshùug wfmaCIdjla we;s úg muKla uQ,H ;;a;ajh

ms<sn| m%ldYfhys uQ,H j;alï iy uQ,H j.lSï ys,õ l, Y=oaO w.h

jd¾;d lrhs' lsishï .sKqïlrK m%ñ;shla fyda w¾:l:khla u.ska

wjYH fyda bv oS we;s úgl iy iuQyfha .sKqïlrK m%;sm;a;s u.ska

úfYaIfhka olajd we;s úgl yereKqúg wdodhï m%ldYfha wdodhï iy

úhoï ys,õ lr fkdolajhs'

2'1'7 wLKav meje;au

wLKav mokula u; bosßhg mej;Sug nexl=jg we;s yelshdj

ms<sn|j l<ukdldß;ajh úiska ;lafiarejla isÿlr we;s w;r" bosß

wkd.;fhaoS jHdmdr lghq;=j, ksr;ùug th i;= YlH;dj ms<sn|

iEySug m;a ù we;'

;jo wLKav meje;au i|yd nexl=jg we;s yelshdj ms<sn| iel my<

jk ie,lsh hq;= n,mEula we;s l< yels idOlhla l<ukdldß;ajhg

yuq ù fkdue;' tfyhska wLKav meje;au hk moku u; uQ,H m%ldYk

ms<sfh, lsÍu ;j ÿrg;a isÿ flfrhs'

2'1'8 m%udKd;aulNdjh iy iudyrKh

iEu m%udKd;aul iudk whs;u mka;shlau uQ,H m%ldYk j, fjka

fjkaj bosßm;a lrkq ,nhs' Y%S ,xld .sKqïlrK m%ñ; ^Y%S ,'.s'm%' 1&

—uQ,H m%ldYk bosßm;a lsßu˜ u.ska bv oS we;s mßos wiudk iajNdjfha

whs;uhka fyda ld¾hhka m%udKd;aul fkdjk oE f,i fkdi,lhs kï

muKla tajd fjk fjku bosßm;a lrkq ,nhs'

2'1'9 ixikaokd;aul f;dr;=re

m%j¾;k ld,mßÉfPaofha uQ,H m%ldYk ms<sn| jeä wjfndaOhla

,nd.ekSu i|yd iy ld,mßÉfPao fol ixikaokh lsÍfï yelshdj

by< kexùu i|yd uQ,H m%ldYkfhys miq.sh ld,mßÉfPaohg wod<

ixikaokd;aul f;dr;=re m%udKd;aulj" úia;rd;aulj fy<sorõ lr

we;' jvd;a fyd| bosßm;a lsÍula wrNhd fukau m%j¾;k j¾Ifha

bosßm;a lsÍï iu. wkqrEmùug wjYH wjia:dj,oSo ixikaokd;aul

f;dr;=re kej; j¾. lr olajd we;' Y%S','uQ'jd'm%' 09 - uQ,H WmlrK

m%ñ;sh wkq.ukh lr .ekSu m%ldr 2017 j¾Ifha ikaikaokd;aul

w.hka kej; m%ldY lr ;sfí' msgq wxl 342 ys uQ,H m%ldYkj,g

igyka 51 hgf;a wod< úia;r bosßm;a lr we;'

2'1'10 jeghSu

—uQ,H m%ldYk bosßm;a lsÍu˜ ms<sn| Y%S ,'.s'm%' 01 - Y%S ,xld .sKqïlrK

m%ñ;Ska u.ska wkqu; mßos fjkhï whqrlska olajd we;s wjia:dj,oS

yereKq úg uQ,H m%ldYkhkays olajd we;s w.h wdikak remsh,a oyig

jghd we;'

2'1'11 ys,õ lsÍu

uQ,H j;alï yd uQ,H j.lSï ys,õ lr Y=oaO w.h uQ,H ;;a;ajh ms<sn|

m%ldYkfhys i|yka lrkq ,nkafka y÷kd.;a w.hka ys,õ lsÍu

ffk;slj n,d;aul l< yels jQ yd Y=oaO mokula u; mshùug fyda

tlajru j;alï Wm,íê lr j.lSï mshùug woyia lrk úg muKs'

.sKqïlrK m%ñ;shla$w¾:l:khla ^wka;¾cd;sl uQ,H jd¾;dlrk

m%ñ;Ska w¾:l:k lñgqj iy m%ñ;Ska w¾:l:k lñgqj úiska ksl=;a

lrk ,o& iy nexl=fõ jeo.;a .sKqïlrK m%;sm;a;shla u.ska ksYaÑ;j

wkqu; lr fyda wjYH nj olajd we;s úgloS yer wdodhï iy úhoï"

wdodhï m%ldYfha ys,õ lrkq fkd,efí'

260




2'1'12 ie,lsh hq;= .sKqïlrK ;Skaÿ" weia;fïka;= yd Wml,amk

Y%S ,xld .sKqïlrK m%ñ;Ska yd wkql+,j jk mßos nexl=fõ yd

iuQyfha uQ,H m%ldYk ms<sfh, lsÍfïoS j;alï" j.lSï" wdodhï yd

úhoïj, w.hka ;SrKh lsÍu iy .sKqïlrK m%;sm;a;s Ndú;h

iïnkaOfhka ;Skaÿ" weia;fïka;= iy Wml,amk Wmfhda.S lr .ekSug

l<ukdldÍ;ajhg isÿ fõ'

weia;fïka;= yd Wml,amk wLKavj iudf,dapkhg Ndckh lrhs'

.sKqï weia;fïka;=j, hï ixfYdaOkhla fjf;d;a tu ixfYdaOkh

flfrk ld,mßÉfPaoh ;=<oS" tu ixfYdaOk bosß ld,mßÉfPaohlg

n,mdkafka kï" bosß ld,mßÉfPaoj,oS o .sKqï.; lrkq ,efí'

nexl=fõ yd iuQyfha uQ,H m%ldYkj, olajd we;s w.hka u; jeäu

n,mEula we;s lsÍug yels .sKqïlrK m%;sm;a;s Ndú;fha oS fhdod.;a

ie,lsh hq;= ;Skaÿ" weia;fïka;= iy Wml,amk my; olajd we;'

w' ie,lsh hq;= .sKqïlrK ;Skaÿ

fuu uQ,H m%ldYkj, y÷kdf.k we;s w.hka iïnkaOfhka ie,lsh

hq;= n,meula we;s lr,k wod< .sKqïlrK m%;sm;a;s j,oS .kq ,nk

;Skaÿ" ms<sn|j f;dr;=re my; igyka wxl 2'1'12'1 uÕska oelafõ'

2'1'12'1 uQ,H j;alï iy j.lSï j¾.SlrKh

Y%S','uQ'jd'm%' 9 wkqj my; ks¾kdhl u; mokïj l%uCIh msßjeh"

fjk;a úia;S¾K wdodhu u.ska idOdrK w.h" ,dNh fyda w,dN u.ska

idOdrK w.h hk úúO ldKavj,g uQ,H j;alï j¾. lsÍug yd

ókSug iuQyfha jeo.;a .sKqïlrK m%;sm;a;s u.ska wjldYh ie,fia'

msgq wxl 264 ys igyka wxl 2'5'1'4'1 ys olajd we;s uQ,H j;alï

l<ukdlrKh lsÍfï wdh;ksl jHdmdßl wdlD;sh

msgq wxl 264 ys igyka wxl 2'5'1'4'2 ys olajd we;s uQ,H j;alïys

.súiqï.; uqo,a m%jdy .=Kdx.

wd' Wml,amk iy wúksYaÑ;;d ;lafiare lsÍu

ie,lshhq;= fjkiaùïj,g ;=vq osh yels wkaofï Wml,amk yd

wúksYaÑ;;d ;lafiare ms<sn| f;dr;=re my; igyka wxl 2'1'12'2

isg 2'1'12'9 u.ska olajd we;'

2'1'12'2 uQ,H WmlrK j, idOdrK w.h

uQ,H ;;a;aj m%ldYfhys jd¾;d lr we;s uQ,H j;alï yd uQ,H j.lSï

j, idOdrK w.hka" il%Sh fj<|fmd< ;=<ska ,nd.; fkdyels úg" th

;SrKh lsÍu i|yd .Ks;uh wdlD;sSka Ndú;h o we;=<;a ;lafiarelrK

l%ufõo fhdod .efkhs' fulS wdlD;Ska i|yd fhojqï" ksÍCIKh

l<yels fj<|fmd< o;a; fj;ska yels wjia:dj,oS ,nd .kakd w;r"

ksÍlaIKh l< yels fjf<|fmd< o;a; fkdue;s úg idOdrK w.hla

ia:dms; lr .ekSug ;Ska¥jla .; hq;= fõ¡

uQ,H WmlrK w.h lsÍu msKsi fhdod.kakd l%ufõo iy idOdrK

w.hkays Oqrdj,sh igyka wxl 55 u.ska uQ,H m%ldYkfhys msgq wxl 375

ys iúia;rd;aulj olajd we;'

2'1'12'3 uQ,H j;alï u; ydkslrK w,dN

ish,qu uQ,H j;alï ldKav" Y%S','uQ'jd'm%' 09 iy Y%S','.s'm%'39 hgf;a

ydkslrK w,dN ñkSu i|yd úfYaIfhkau ydkslrK w,dN ksYaph

lsÍfïoS bosß uqo,a m%jdy j, w.h yd ld, jljdkqj iy wem

jákdlïj, w.h ms<sn|j ksis ;Ska¥ .ekSu wjYH fõ'

ta wkqj" wdodhï m%ldYfhys ydkslrK w,dN jd¾;d l< hq;= oehs

;lafiare lsÍu msKsi uQ,H ;;a;aj ms<sn|j jd¾;d lrkq ,nk iEu

oskhloSu iuQyh úiska tys ie,lsh hq;= Kh yd w;a;sldrï ms<sn|j

;ks ;ksj iudf,dapkh flfrhs¡ ydkslrK w,dN ksYaph lsÍfï oS

úfYaIfhkau wkd.; uqo,a m%jdy j, ld,h yd jákdlu ;SrKh lsÍug

l<ukdldÍ;ajfha ;Skaÿ wjYH fõ¡ fulS weia;fïka;= mokï jkqfha

idOl rdYshla ms<sn| Wml,amk .Kkdjla u; jk fyhska i;H m%;sM,

óg fjkia úh yelsh¡

ydkslrKh i|yd flaj, we.hSug ,la lrkq ,nk uQ,H j;alï iy

bosßfhaoS ,efn;ehs wfmaCIs; wkd.; uqo,a m%jdyj, j;auka w.h ms<sn|

l<ukdldß;ajfha ksis weia;fïka;=j u; flaj, ydkslrK m%;smdok

mokï fõ' fuu uqo,a m%jdy weia;fïka;= lsÍfïoS Khlref.a uQ,H

;;a;ajh yd mdol jQ wemj, Y=oaO Wm,íê w.h ms<sn| l<ukdldß;ajh

úiska i,ld nef,hs' iEu ydkslrK j;alulau tys jákdlu yd

m%dfhda.sl Wmdh ud¾." wdmiq ,nd.; yels hehs ie,flk uqo,a

m%jdyj, weia;fïka;=j u; we.hSug ,la flfrhs'

my; mßos iduQysl ydkslrK m%;smdok ia:dms; lr we;'

flaj, jYfhka fkdie,flk iucd;Sh Kh yd w;a;sldrï ldKav

flaj, jYfhka ie,l+ kuq;a flaj, jYfhka ydkslrKh ù fkdue;s

j;alï ldKav

Y%S','uQ'jd'm%' 09 wkqj iuQyfha wfmaCIs; Kh mdvq .Kkh lsÍu"

úp,H fhojqï úl,am iy ta u; jk wka;¾hemSug mdol Wml,amk

.Kkdjlska hq;a ixlS¾K wdlD;sj, m%;sM,hls' .sKqïlrK ;Skaoq yd

weia;fïka;= .Kfhys ,d ie,flk wfmaCIs; Kh mdvq wdlD;sj,g

my; idOl we;=<;a fõ'

Kh wjodkfuys ie,lshhq;= jeäùula ù we;aoehs .=Kd;aul we.hSu

i|yd iuQyfha ks¾kdhl iy wfmaCIs; cSjld, Kh mdvq moku u;

ukskq ,nk uQ,H j;alï i|yd jk oSukd

iduQysl moku;a u; wfmaCIs; Kh mdvq w.hkq ,nk wjia:dfõ

uQ,H j;alï j¾.SlrKh

úúO ixLHd;aul iQ;% iy fhojqï úl,am we;=<;a wfmaCIs; Kh mdvq

wdlD;s ixj¾Okh

261




o< foaYSh ksIamdos; j¾Okh" WoaOukh" fmd,S wkqmd;sl" úksuh

wkqmd;sl" ú/lshdj" Kh meyer yeÍfï iïNdú;djh (PD) yereKqúg ksrdjrKhùï (EAD) yd meyer yeÍuloS is¥úh yels

mdvqj (LGD) wdoS i¾j wd¾:sl fhojqï w;r iïnkaO;djh ;SrKh

lsÍu'

wd¾:sl fhojqï" wfmaCIs; Kh mdvq wdlD;s j,g wod< lr .ekSu

i|yd bosß oelaue;s id¾j wd¾:sl ixisoaëka yd tys iïNdú;dj

ms<sn| nr ;eîï f;dard .ekSu'

2'1'12'4 foam," msßh; yd WmlrK m%;Hd.Kkh

nexl=fõ yd iuQyfha iskaklalr bvï yd f.dvke.s,s tajdfha m%;Hd.

Ks; w.hg mj;ajdf.k hhs' Y%S ,xld .sKqïlrK m%ñ;s ^Y%S ,'uQ'jd'm%' 13&

—idOdrK w.h uekSug˜ wkql+,j iskaklalr bvï yd f.dvke.s,sj,

idOdrK w.h kS¾Kh lsÍu i|yd iuQyh úiska iajdëk jD;a;Sh

;lafiarelrejka fhdojk ,oS'

iskaklalr f.dvke.s,s iy bvïj, idOdrK w.h kS¾Kh lsÍu i|yd

Ndú;d l, l%ufõo yd m%Odk Wml,amk uQ,H m%ldYkj, igyka wxl

2'3 ys ;jÿrg;a úia;r lr olajd we;'

2'1'12'5 foam," msßh; yd WmlrKj, M,odhS cSjld,h

iuQyh" foam," msßh; yd WmlrKj, iqkanqka jákdlu" M,odhS

cSjld,h yd laIh l%uh" iEu jd¾;dlrK osklu iudf,dapkh lrhs'

fuu w.hka" wkqmd; yd l%u weia;fïka;= lsÍfï oS l<ukdldß;ajfha

;SrK Ndú;d flfrk fyhska tajdfhys w.hka wúksYaÑ;;djhlska

hqla; fjhs'

2'1'12'6 uQ,H fkdjk j;alï ydkslrKh

iEu jd¾;dlrK ld,mßõfcaohla wjidkfhaosu ú,ïî; nÿ j;alï

yer wfkl=;a j;alï ydkslrKh jQ njg lsishï fyda yeÕùula we;aoehs

iuQyh úiska w.hkq ,nhs' tn÷ yeÕùula we;akï fyda j;alula i|yd

jd¾Isl ydkslrK mÍCIdjla isÿlsÍu wjYH jkafka kï" iuQyh úiska

j;alfuka kej; whlr.; yels jákdlu weia;fïka;= lrkq ,efí'

j;alul OdrK w.h tys kej; whlr.; yels jákdlu blaujhs kï"

tu j;alu ydkslrKh ù we;ehs i,lkq ,nk w;r" tu j;alfï w.h

kej; whlr.; yels w.h olajd lmd yßhs'

2'1'12'7 ú,ïî; nÿ j;alï

ú,ïî; nÿ j;alï y÷kd.kq ,nkafka tu nÿ w,dN whlr .; yels"

nÿ jk wkd.; ,dN ,eîfï NjH;djla we;s;dla ÿrg muKs' y÷kd.;

yels ú,ïî; nÿ j;alfï w.h kS¾Kh lsÍu msKsi wkd.;fha

úh yels nÿ jk ,dNhkays ld,iSudj yd m%udKh iy wkd.; nÿ

ie,iqïlrK Wmdhud¾. u; mokïj ;SrK .; hq;= fõ'

2'1'12'8 ks¾jÑ; m%;s,dN j.lSï

wdhq.Kl ;lafiare Wmfhda.S lr.ksñka ks¾jÑ; m%;s,dN ie,iqïj,

msßjeh iy tu j.lSïj, j¾;udk w.h ;SrKh flfrhs' jÜgï

wkqmd;" j;alï u; wfmaCIs; m%;s,dN wkqmd;" bosß jegqma jeäùï"

fiajl u¾;H;dj yd bosß úY%du jegqma jeäùï ms<sn| Wml,amk

wdhq.Kl ;lafiarej yd iïnkaO fõ'

fhda.H jÜgï wkqmd;h ;SrKh lsÍfïoS Y%S ,xld rdcH ne÷ïlr fmd,S

wkqmd;" l<ukdlrKh úiska i,ld n,kq ,efnhs'

fmdÿfõ Ndú; u¾;H;d pl% wkqj u¾;H;d wkqmd;slh ;srKh fjhs'

wfmaCIs; wkd.; WoaOuk wkqmd; yd nexl=fõ wfmaCIs; wkd.; jegqma

j¾Ol u; bosß jegqma yd úY%du jegqma jeäùï ;SrKh fjhs'

fuu ie,iqïj, oS¾> ld,Sk iajNdjh fya;=fldg f.k tu

weia;fïka;= ie,lsh hq;= wúksYaÑ;;djhlska hqla; fjhs'

2'1'12'9 m%;smdok" ne|shdjka yd wiïNdjHhka

iuQyfha idudkH jHdmdr lghq;= j,oS iuQyhg tfrys ffk;sl

ysñlï b,a,Sï bosßm;ajQ úg tu ysñlï b,a,Sï id¾:l ùfï bvlv

iïnkaOfhka" m%;smdok ie,iSu l<ukdldß;ajh úiska ;SrKh lrhs'

kS;suh ysñlï iïnkaO l%shdud¾. wjika lsÍug .;jk ld,iSudj

fukau wd¾Ól m%;s,dN .,dhEfï m%udKh o wúksYaÑ; fõ' fï i|yd

.;jk ld,iSudj iy msßjeh wjidk jYfhka ;SrKh jkqfha wod<

ffk;sl n,iSudj u;h'

2'2 Y%S ,'.s'm%' 39 g wdfoaY jYfhka Y%S','uQ'jd'm%'9

Wmfhda.S lr .ekSfïoS .sKqïlrK m%;sm;a;s

fjkiaùï iy ixl%dka;suh fy<sorõ lsßï

2'2'1 Y%S','uQ'jd'm%' 9 - uQ,H WmlrK

2014 foieïn¾ ui ksl=;a lrk ,o Y%S','uQ'jd'm%' 9 u.ska Y%S ,'.s'm%'39

wdfoaY lrkq ,nk w;r 2018 ckjdß 01 osk fyda bka miqj werfUk

jd¾Isl jd¾;dlrK ld, mßÉfPaoh i|yd wod< fõ' Y%S','uQ'jd'm%' 9

hgf;a wkqu; m%;sm;a;suh úl,amhla f,i Y%S ,'.s'm%'39 wkqj bosß

.súiqï .sKqïlrK lghq;= bos¾hg o fhdod .ekSug iuQyh ;SrKh

lrk ,oS'

Y%S','uQ'jd'm%' 9 hgf;a we;s m%;sm;a;suh úia;r msgq wxl ys igyka wxl

2'5 u.ska olajd we;'

Y%S','uQ'jd'm%' 9 ys oS we;s úl,am hgf;a Y%S','uQ'jd'm%' 9 ys úIh m:h ;=<

2017 j¾Ih i|yd uQ,H WmlrKj, ikaikaokd;aul f;dr;=re iuQyh

úiska kej; w.hk ,oS' ixl%dka;suh fy<sorõ lsÍï my; olajd we;'

2'2'1'1 ysñlï u; osk 01 n,mEu

ysñlï u; osk 01 n,mEu msgq wxl 353 ys igyka wxl 52'6 u.ska

olajd we;'

262




2'2'1'2 Y%S','uQ'jd'm%' 9 u.ska Y%S ,'.s'm%' 39 wdfoaYkfhaoS uQ,H

;;a;ajh ms<sn| m%ldYfhys fYaIhka iei÷u

Y%S','uQ'jd'm%' 9 u.ska Y%S ,'.s'm%' 39 wdfoaYkfhaoS uQ,H ;;a;ajh ms<sn|

m%ldYfhys fYaIhka iei÷u msgq wxl 345 isg 351 olajd igyka wxl

52'2 yd 52'3 uÕska olajd we;'

2'2'1'3 Y%S','uQ'jd'm%' 9 uÕska Y%S ,'.s'm%' 39 wdfoaYkfhaoS

ydkslrK oSukd fYaIhka iei÷u

Y%S','uQ'jd'm%' 9 u.ska Y%S ,'.s'm%' 39 wdfoaYkfhaoS ydkslrK oSukd fYaIhka

iei÷u msgq wxl 352 ys igyka wxl 52'4 u.ska olajd we;'

2'2'1'4 Y%S','uQ'jd'm%' 9 u.ska Y%S ,'.s'm%' 39 wdfoaYkfhaoS ixÑ;

iy r|jd.;a bmhSï iei÷u

Y%S','uQ'jd'm%' 9 u.ska Y%S ,'.s'm%' 39 wdfoaYkfhaoS ixÑ; iy r|jd.;a

bmhSï iei÷u msgq wxl 353 ys igyka wxl 52'5 u.ska olajd we;'

2'2'2 Y%S ,'uQ'jd'm%' 7 uQ,H WmlrK - fy<sorõ lsÍï

Y%S ,'.s'm%' 39 yd Y%S','uQ'jd'm%' 9 w;r mj;sk fjkialï ms<sônq lsÍu

i|yd Y%S ,'uQ'jd'm%' 7 hdj;ald,Sk lrk ,ÿj iuQyh úiska 2018 ckjdß

ui 1 jk osk isg n,meje;afjk mßos th Y%S','uQ'jd'm%' 9 iu.ska wkq.

ukh lrkq ,nhs' ixl%dka;suh fy<sorõlsÍï wdoS fjkialï Wml,amk

yd fhojqï wdoS wfmaCIs; Kh mdvq .Kkh lsÍï ms<sn| .=Kd;aul yd

m%udKd;aul f;dr;=re hkdosh msgq wxl 269 ys iy 342 ys igyka wxl

2'5'2 hgf;a olajd we;'

2'2'3 Y%S','uQ'jd'm%' 15 - .kqfokqlrejka iuÕ we;s .súiqï uÕska jQ wdodhu

Y%S','uQ'jd'm%' 15 2018 ckjdß ui 1 jk osk isg n,meje;afjk w;r

tys m%uqL isoaOdka;hla kï" .kqfokqlrejkayg fmdfrdkaÿ NdKav fyda

fiajd mejreu ksrEmKh lsÍu msKsi wdh;khlg wdodhu y÷kd.;

hq;=fõ' fuu m%uqL isoaOdka;h my; olajd we;s mßos mshjr 5 l

wdlD;shla hgf;a oelaúh yelsh'

.kqfokqlre iu. .súiqï y÷kd.ekSu

.súiqulg ld¾hidOk ne|Su y÷kd.ekSu

.kqfokqfõ ñ, ;SrKh lsÍu

.súiqfuys ld¾hidOk ne|Sïj,g .kqfokqj, ñ, mejÍu

wdh;kh úiska ld¾hidOk ne|Sï bgq lr we;s úg wdodhu

y÷kd.ekSu

fuu Wmfoia wkq.ukh lsÍfïoS .kqfokqlre iu. t<U we;s

.súiqfuys i|yka idOl yd jHdmdßl mßirh u; mokïj ;Skaÿ

.;hq;= fõ' 2018 ckjdß ui 01 osfkka werUqKq j¾Ih i|yd

Y%S','uQ'jd'm%' 15 wkq.ukh lsÍu uÕska nexl=jg yd iuQyhg tys

.dia;= yd fldñia wdodhu w;ska ie,lsh hq;= n,mEula we;s fkdúKs'

2'3 idOdrK w.h ñkSu

—idOdrK w.h˜ jQ l,S úêu;a .kqfokqjloS j;alula úlsKSug fyda

j.lSula f.jd ksoyia jk ñ, i|yd f.ùfïoS fyda tfia fkdue;s úgl

ukskq ,nk osk fj<|m< md¾Yajlrejka w;r isÿjk ksis .kqfokqjloS

iuQyhg toskg msúish yels jvd m%;s,dNodhS fjf<|m<loS ,efnk

ñ,ls' j.lSul idOdrK w.h tys ld¾hidOkuh fkdjk wjodku

ms<sônq lrhs'

hï WmlrKhla i|yd il%Sh fj<|m<la ;=< m%ldYs; ñ, Ndú; lrñka

iuQyh úiska tlS WmlrKfhys idOdrK w.hg ukskq ,nhs' wLKav

mokula u; ñ,lrK f;dr;=re iemhSug m%udKj;a Odß;djla yd

;Sj%;djhla iys; j;alul fyda j.lSul .kqfokq isÿjkafka kï" tlS

fj<|m< il%Sh hehs ie,flhs'

il%Sh fjf<|m<la ;=< m%ldYs; ñ,lrKhla fkdfõ kï ksÍCIKh

l< yels wod< fhojqïj, Ndú;h Wmßu lrjk iy ksÍCIKh l<

fkdfyk fhojqïj, Ndú;h wju lrjk ;lafiare úêl%u iuQyh

úiska Ndú; flfrhs' ñ,lrK .kqfokqjloS fj<|m< md¾Yajlrejka

wd¾:sl w;ska Tjqkaf.a Wmßu hym; ;ld lghq;= lrkafka kï" j;alu

fyda j.lSu ñ,lrKfhaoS Tjqka idOdrK w.fhys OQrdj,sh Wmfhda.S

lr.kq we;ehs hk Wml,amkh u; j;alul$j.lSul idOdrK w.h

ukskq ,efí'

fjkiaùï isÿù we;s jd¾;dlrK ld,mßÉfPaoh wjidkfhaoS idOdrK

w.fhys OQrdj,s uÜgï w;r udreùï iuQyh úiska y÷kd.kq ,nhs'

uQ,H fkdjk j;alul idOdrK w.h uekSfïoS j;alula tys

by<u$fyd|u Ndú;h ;=<ska fyda tf,i by<u$fyd|u f,i Ndú;

lrkq ,nk fjk;a fj<|m< md¾Yajlrefjl=yg úlsKSu ;=<ska wd¾:sl

m%;s,dN ckkh lsÍug fj<|m< md¾Yajlrejl= i;= yelshdj i,ld

n,kq ,nhs'

uQ,H j;alï yd j.lSïj, idOdrK w.h ñkSfï$úYaf,aIKhla msgq wxl

isg 375 isg 380 olajd igyka wxl 55 ys olajd we;'

2'4 ie,lsh hq;= .sKqïlrK m%;sm;a;s - fmdÿ

2'4'1 taldnoaO lsÍfï moku

Y%S ,xld .sKqïlrK m%ñ;Ska ^Y%S','uQ'jd'm%' 10& —taldnoaO uQ,H m%ldYk˜

iy Y%S ,xld .sKqïlrK m%ñ;Ska ^Y%S','uQ'jd'm%' 27& —;ks uQ,H m%ldYk˜

m%ldr nexl=fõ yd iuQyfha uQ,H m%ldYk" nexl=fõ iy tys md,s;fha

uQ,H m%ldYk j,ska iukaú; fõ'

263




2'4'1'1 mßmd,s; iud.u

nexl=j fj; md,kh mejfrk osk mgka md,s;fhys uQ,H m%ldYk

uq,qukskau taldnoaO flfrk w;r" tn÷ md,khla wjika jk;=re

taldnoaO lsÍu isÿfjhs' md,khla mj;skafka nexl=jg tlS md,s;

iud.fï l%shdldrlï j,ska m%;s,dN ,nd.; yelsjk mßos" tys uQ,H

yd fufyhqï m%;sm;a;s md,kh lsßug n,hla we;s úgoSh' taldnoaO

lsßfïoS Ndú;d jk nexl=fõ mßmd,s;fhys uQ,H m%ldYk" cd;sl

b;sßlsÍfï nexl=fjys uQ,H m%ldYk jd¾;dlrK ld,mßÑfPoh wod<

jk w;r Bg iudk .sKqïlrK m%;sm;a;s Ndú; lrñka ms<sfh,

lrkq ,nhs'

2'4'1'2 taldnoaO lsÍfïoS bj;a lrkq ,enQ .kqfokq

taldnoaO uQ,H m%ldYk ms<sfh, lsÍfïoS ish,qu wka;¾ iud.ï fYaIhka"

wdodhï yd úhoï fukau tjeks wka;¾ iud.ï .kqfokqj,ska mek

k.sk ,o Wm,íê fkdjQ ,dN iy w,dN iïmQ¾Kfhka bj;a lr we;'

msgq wxl 338 ys olajd we;s md,s; iud.u iu. .kqfokqj,g wod<

igyka wxl 47 ^w& fj; fhduq jkak'

2'4'1'3 úfoaY uqo,a .kqfokq iy fYaI

úfoaYSh jHjydr uqo,ska lrkq ,nk .kqfokq" tlS .kqfokq is¥jQ

wjia:dfõoS mej;s úksuh wkqmd;sl u; jd¾;dlrk$l%shdldÍ uqo,a

j¾.h jk Y%S ,xld remsh,a j,g mßj¾;kh lrkq ,nhs'

fYaIm;% oskg úfoaY jHjydr uqo,ska iukaú; uQ,H j;alï yd j.lSï

jd¾;dlrK oskg mj;sk uOHu úksuh wkqmd;h fhdod.ksñka Y%S ,xld

remsh,a j,g h<s mßj¾;kh lrkq ,nhs' uQ,H whs;u mshùu u; fyda

uq,ska jd¾;d l< wkqmd;hlg jvd fjkia wkqmd; j,g uQ,H whs;u

mßj¾;kh u; mek k.sk ishü úksuh fjkialï" tlS fjkialï

mekk.sk ld,mßÉfPaoh ;=< wdodhï m%ldYfhys y÷kd.kq ,efnhs'

ft;sydisl msßjehg w.h lrkq ,nk uQ,H fkdjk úfoaY uqo,ska

m%ldYs; whs;u" wdrïNl .kqfokq isÿ jQ osk mej;s úksuh wkqmd;

Ndú;hg .ksñka mßj¾;kh lrkq ,fí' úfoaY uqo,ska m%ldYs;

idOdrK w.hg w.h lrkq ,nk uQ,H fkdjk whs;u idOdrK w.h

;SrKh l< osk mej;s úksuh wkqmd; Ndú;hg .ksñka mßj¾:kh

lrkq ,efí'

úfoaY uqo,a nexl= tallfhys uQ,H ;;a;ajh ms<sn| m%ldYh jd¾;d lrk

oskfha oS mej;s uOHu úksuh wkqmd;hg wkqj Y%S ,xld remsh,aj,g

mßj¾;kh lrkq ,nhs' by; m%;sm;a;shg wkqj úfoaY uqo,a nexl=

tallfhys .kqfokq jd¾;d lr we;s w;r" bka cks;jQ ,dN$w,dN

wdodhï m%ldYfhys y÷kdf.k we;'

2'5 ie,lsh hq;= .sKqïlrK m%;sm;a;s -

j;alï yd j.lSï y÷kd.ekSu

uQ,H WmlrK

2018 ckjdß ui 1 osk fyda bka miqj t<fUk jd¾Isl ld,mßÉfþoh

i|yd Y%S','uQ'jd'm%' 9 —uQ,H WmlrK˜ u.ska Y%S ,'.s'm% 39 wdfoaY fjhs'

Y%S','uQ'jd'm%' 9 hgf;a wkqu; m%;sm;a;suh úl,amhla f,i Y%S ,'.s'm% 39

m%ldr bosß .súiqï .sKqïlrK wLKavju fhdod.ekSug nexl=j ;SrKh

lrk ,oS'

2'5'1 uQ,H WmlrK - uQ,sl y÷kd.ekSï" j¾.SlrKh iy miq w.h lsÍu

2'5'1'1 y÷kd .ekSfï oskh

iuQyh úiska wdrïNfhaoS Kh yd w;a;sldrï" ;ekam;= yd hg;ald,Sk

j.lSï hkdosh tajd we;s jQ oskg y÷kd.kq ,efnhs' .kqfokqlrejkag

,ndfok Kh yd w;a;sldrï y÷kd.kq ,nkafka .kqfokqlrejkaf.a

.sKqïj,g wruqo,a ner jQ miqjh' .kqfokqlrejkaf.a wruqo,a nexl=jg

,enQ miqj ;ekam;alrejkag f.úh hq;= fYaI f,i nexl=j y÷kd.kS'

wfkl=;a ishü uQ,H WmlrK îdudkH l%uhg ñ,oS .ekSï yd

uQ,H j;alï úlsKSu we;=<;aj& uQ,slj .kqfokq lrk oskg tkï"

WmlrKj, .súiqï.; m%;s,dN i|yd iuQyh md¾Yajlrejl= jk oskg

y÷kd .efka'

2'5'1'2 uQ,H WmlrK y÷kd.ekSu yd uQ,sl .Kkh lsÍu s

uQ,sl .Kkh lsÍï i|yd uQ,H WmlrK j¾.SlrKh lsÍu ;SrKh

jkqfha" msgq wxl 264 ys igyka wxl 2'5'1'4'1 iy 2'5'1'4'2 uÕska úia;r

lr we;s mßos WmlrK l<ukdlrKh lsÍfï jHdmdßl wdlD;sh iy

.súiqï.; fldkafoais u;h'

,dNh fyda mdvqj yryd jd¾;d l< uQ,H j;alï yd uQ,H j.lSï j,oS

yerKqúg uQ,H WmlrK uQ,sl .Kkh lsÍfïoS tajdfha idOdrK

jákdlug îgyka wxl 55 ys ys ks¾jÑ; whqßka& ukskq ,nk w;r

Bg fj<| .kqfokq msßjeh tl;= lsÍu fyda wvq lsÍu isÿ flfrhs'

fj<|dï u.ska ,eîï .kqfokq ñ,g ukskq ,nhs' uQ,sl .Kkh lsÍfï

uQ,H WmlrKj, idOdrK w.h fj<| .kqfokq ñf,ka fjkia jk

wjia:dfõoS nexl=j iy iuQyh úiska my; i|yka mßos osk 1 ,dNh

fyda w,dNh i|yd .sKqïlrKh flfrhs'

264




2'5'1'3 Èk 1 ,dNh fyda w,dNh

ksÍCIKh l< yels fj<|fmd<ys o;a; we;=<;a úp,Hhka u; jQ

we.hSfï Ys,aml%u mokïj .Kkh l< idOdrK w.h fyda tlu

ksÍCIKh l< yels fj<|fmd< .kqfokq mokï lrf.k kS¾Kh l<

idOdrK w.h .kqfokq ñf,ka fjkia jk úg fjki iuQyh úiska

jydu y÷kd.kS' ksÍCIKh l< fkdyels o;a; Wmfhda.S lr .ksñka

idOdrK w.h ;SrKh lrkq ,nk wjia:dj, oS fhojqï o;a; ksÍCIKh

l< yels jk úg fyda whs;uh y¥kd fkd.kakd úg .kqfokq lrk ñ,

yd wdlD;sfhys w.h w;r fjki úia;S¾K wdodhï m%ldYfhys muKla

y÷kd.kq ,nhs'

fmdÿ fhdackd l%uhla hgf;a iykodhS fmd,S wkqmd;hg fiajlhkag

m%odkh lrk ,o Kh j,ska cks; jk osk 1 w,dNh fiajlhkaf.a

bosßhg we;s fiajd ld,h fyda Kh ld,iSudj hk foflka wvq w.hg

fmd,S wodhï yd mqoa., úhoï ys iM, fmd,S wkqmd;h Ndú;fhka

y÷kd.kq ,nhs'

2'5'1'4 uQ,H j;alï j¾.SlrKh iy w.h lsÍu

2018 ckjdß 1 jk osk mgka nexl=j úiska my; ljrdldrfhka fyda

uksk ,ÿj j;alïj, .súiqï.; ld,iSud l<ukdlrKh lsÍfï

jHdmdßl wdlD;sh u; mokïj tys ish,q uQ,H j;alï j¾.SlrKh

flfrhs'

l%uCIh msßjeh

fjk;a úia;S¾K wdodhï u.ska idOdrK w.h

,dN fyda w,dN u.ska idOdrK w.h

igyka wxl 2'5'1'6 ys úia;r fldg we;s mßos nexl=j yd iuQyh úiska

jHq;amkak iy ,dNh fyda w,Nh yryd idOdrK w.hg w.h lrk

fj<| l<U j¾.SlrKh lr w.h lrkq ,nhs' nexl=j úiska ,dN fyda

w,N u.ska idOdrK w.hg uQ,H WmlrK kshu lrkq ,nk w;=ßka

tu.ska w.h lsÍfï fyda y÷kd.ekSfï wiudk;d ie,lshhq;= f,i

wvq flfrhs'

2017 foieïn¾ 31 osk jk ;=re Y%S ,'.s'm%' 39 m%ldrj iuQyh úiska tys

uQ,H j;alï my; i|yka ldKav w;=ßka tllg j¾.SlrKh flßKs'

,dN fyda w,dN u.ska idOdrK w.hg kï lrk uQ,H j;alï iy

tlS ldKav hgf;a

- fjf<|du i|yd ;ndf.k we;s

- ,dN fyda w,dN u.ska idOdrK w.hg kï l< uQ,H j;alï

Kh iy ,eìh hq;= uqo,a

l,amsfrk f;la ;ndf.k we;s

úlsKSug we;s

Y%S','.s'm%' 39 isg Y%S','uQ'jd'm%' 9 olajd kej; j¾.SlrKh lsÍfï yd

uekSfï n,mEu ms<sn| úia;r msgq wxl 342 isg 354 olajd jQ

igyka wxl 52'2 ys ixl%dka;s fy<sorõ lsÍï hgf;a olajd we;'

j¾.SlrKfhys iúia;rd;aul j¾.SlrKh iy uQ,H j;alïj, miq w.h

lsÍu ñkSu msgq wxl 289 ys igyka wxl 15 ys oelafõ'

2'5'1'4'1 jHdmdßl wdlD;s we.ehSu

ish wruqKq bgqlr .ekSug uQ,H j;alï l<ukdlrKh lrk whqre

fyd|skau ms<ônq jk uÜgug nexl=j iy iuQyh úiska tys jHdmdßl

wdlD;sh ;SrKh lrkq ,nhs'

nexl=fõ jHdmdßl wdlD;sh" WmlrKfhka WmlrKh hk moku fkdj

jvd;a by< uÜgfï l<U tl;=j u; we.hSug ,la jk w;r" my;

i|yka kSrSCIKh l<yels idOl u; mokï fõ'

jHdmdßl wdlD;sfhys ld¾h idOkh iy tlS jHdmdßl wdlD;sh ;=<

r|jd .kq ,nk uQ,H j;alï w.hk whqre yd wdh;kfha m%Odk

l<ukdldß;aj msßia fj; jd¾;d lrkq ,nk whqre'

jHdmdßl wdlD;sfhys ld¾h idOkhg n,mdkq ,nk wjodkï

îy tlS jHdmdßl wdlD;sh ;=< r|jd .kq ,nk uQ,H j;alï& yd

úfYaIfhkau tlS wjodkï l<ukdlrKh lrk whqre'

jHdmdrfha l<ukdlrejka ydksmQrKh flfrk whqre

^Wod ( jYfhka l<ukdlrKh lrkq ,nk j;alïj, idOdrK

jákdlu u; ke;fyd;a /ia lrkq ,nk .súiqï.; uqo,a m%jdy u;

ydksmQrKh flf¾o&

wfmaCIs; jdr .Kk" jákdlu yd úl=Kqï isÿ lrkq ,nk ld,iSudj

hkdosh o nexl= u.ska lrkq ,nk we.hSfñoS jeo.;a wx.hla fõ'

wd;;s isÿùï yd úhyels krlu isÿùï ie,ls,a,g fkdf.k ms<s.;

yels wfmaCIs; isÿùï u; mokïj jHdmdßl wdlD;sh we.hSu isÿflf¾'

uQ,sl y÷kd.ekSfuka miqj nexl=fõ uq,a wfmaCIdjg jvd fjkia whqßka

uqo,a m%jdy y÷kd.kq ,efí kï" tlS jHdmdßl wdlD;sfhys r|jd.kq

,nk fiiq uQ,H j;alï j, j¾.SlrKh nexl=j úiska fjkia fkdlrk

w;r w,q;ska cks; fyda w,q;ska ñ,g .kq ,enQ uQ,H j;alï w.h

lsÍfïoS tlS úia;r wka;¾.; lrkq ,efí'

2'5'1'4'2 .súiqï.; uqo,a m%jdy yqÿ uq,a uqo, iy fmd<sh

f.ùfï we;s we.ehSu (SPPI Test)

j¾.SlrK l%shdj,sfha fojk mÍCIdj jYfhka uq,a uqo, yd fmd<sh

f.ùu iïnkaOfhka muKla wod< fõoehs y÷kd.ekSu msKsi nexl=j

úiska uQ,H j;alïj, .súiqï.; kshuhka w.hkq ,nhs'

fuu mÍCIdfõoS uq,a uqo, ks¾jpkh lrkq ,nkafka uQ,sl

y÷kd.ekSfïoS uQ,H j;alfuys idOdrK w.h f,i jk w;r" uQ,H

j;alfuys cSjld,h ;=< th fjkia úhyelsh' ^Wod( jYfhka uq,a uqo,

h<s f.ùu fyda wêñ,$jÜgï l%uCIhùï u;&

KhoSfï l%shdj,sh ;=< jvd;a jeo.;a fmd,S iïnkaO idOl jkafka

Kh wjodku iy uqo,aj, ld,Sk w.h ms<sn| i,ld ne,Suhs' by;

lS we.hSu isÿlsÍu msKsi uQ,H j;alu mj;sk uqo,a j¾.h iy fmd,S

wkqmd;slh wod< jk ld,iSudj wdoS lreKq nexl=j úiska i,ld n,d

úksYaphlg t<fUhs'

265




wjodkug we;s wju ksrdjrKhùï fyda fjkiaùï y÷kajdfokq ,nk

.súiqï.; ksrdjrKhùï j,g jvd uQ,sl KhoSfï l%shdj,shg iïnkaO

fkdue;s .sõiqï.; uqo,a m%jdy" ysÕ uqo,a u; muKla uq,a uqo,a yd

fmd,S f.ùï j,g ;=vq fkdfohs' tjka wjia:dj,oS uQ,H j;alï

idOdrK w.h u; ,dN w,dN wkqj .Kkh l< hq;= fõ'

uQ,H ;;a;ajh ms<sn| m%ldYfhys y÷kdf.k we;s úúO uQ,H j;alï

ldKav ms<sn| úia;r i|yd igyka wxl 2'5'1'4'3 isg 2'5'1'4'5 olajd

fhduq jkak'

2'5'1'4'3 l%uCIh msßjehg uksk ,o uQ,H j;alï

my; i|yka fldkafoais folu imqrd,kafka kï iy ,dN fyda w,dN

u.ska idOdrK w.hg kshu fkdflf¾ kï" uQ,H j;alu l%uCIh

msßjehg .Kkh lrkq ,efnhs'

.súiqï.; uqo,a m%jdy /ialsÍï i|yd j;alï r|jd.ekSu wruqK jk

jHdmdßl wdlD;shla ;=< j;alu r|jd.kq ,eîu'

uQ,H j;alïj, .súiqï.; fldkafoais ksYaÑ; oskhkays f.úh hq;=

iïmQ¾K uqof,ys uq,a uqo, yd fmd<sh f.ùï muKla jk uqo,a m%jdy

we;slrùu'

l%uCIh msßjehg uksk ,o uQ,H j;alï my; oelafõ'

^w& uqo,a yd uqo,aj,g iudkhka

uqo,a yd uqo,aj,g iudkhka ms<n| úia;r msgq wxl 292 ys igyka

wxl 16 ys oelafõ'

^wd& uy nexl=j fj;e;s fYaIhka

uy nexl=j fj;e;s fYaIhka ms<sn| úia;r msgq wxl 292 ys igyka

wxl 17 ys oelafõ'

^we& nexl=j, we;s ;ekam;=

nexl=j, we;s ;ekam;= ms<sn| úia;r msgq wxl 292 ys igyka wxl

18 ys oelafõ'

^wE& l%uCIh msßjehg uQ,H j;alï - Kh yd w;a;sldrïs

l%uCIh msßjehg uQ,H j;alï - Kh yd w;a;sldrï ms<sn| úia;r

msgq wxl 299 ys igyka wxl 21 ys oelafõ'

^b& l%uCIh msßjeh u; uQ,H j;alï - Kh yd fjk;a WmlrK

l%uCIh msßjeh u; uQ,H j;alï - Kh yd fjk;a WmlrK ms<sn|

úia;r msgq wxl 304 ys igyka wxl 22 ys oelafõ'

2'5'1'4'4 fjk;a úia;S¾K wdodhï u.ska idOdrK w.hg

olajk uQ,H j;alï

fjk;a úia;S¾K wdodhï u.ska idOdrK w.hg olajk Kh yd

ysñlï WmlrK hkdosh fjk;a úia;S¾K wdodhï u.ska idOdrK

w.hg olajk uQ,H j;alï j,g we;=<;ah'

fjk;a úia;S¾K wdodhï u.ska idOdrK w.hg olajk uQ,H j;alï

ms<sn|j my; i|yka igyka ^w& iy ^wd& u.ska oelafõ'

^w& fjk;a úia;SrK wdodhï u.ska idOdrK w.hg .Kkh lrk

,o Kh WmlrK

.súiqï.; uqo,a m%jdy /ialsÍu i|yd j;alï r|jd.ekSu wruqKq

jk jHdmdßl wdlD;shla ;=< j;alu r|jd.kq ,nkafka kï fyda

f.úhhq;= uq¿ uqo,ska uq,a uqo, yd fmd<sh f.ùu f.ùu muKla

ksfhdackh lrkq ,nk j;alul uqo,a m%jdy úlsKSu isÿ lrkq

,nkafka kï" fjk;a úia;SrK wdodhï u.ska idOdrK w.hg Kh

WmlrK .Kkh lrkq ,nhs'

by; úia;r msgq wxl 305 isg 309 olajd igyka wxl 23 u.ska

oelafõ'

^wd& fjk;a úia;SrK wdodhï u.ska idOdrK w.hg kshu lrk ,o

ysñlï WmlrK

uQ,sl y÷kd.ekSfïoS fjk;a úia;S¾K wdodhï u.ska idOdrK

w.hg .Kkh lrk ,o ysñlï WmlrK f,i Wmdh ud¾.sl yd

jHjia:dms; wruqKq Wfoid r|jd.kakd ysñlï wdfhdack w;ßka

we;eïjd h<s fjkia fkdl< yels fia j¾.SlrKh lsÍug iuQyh

;SrKh lrkq ,nhs'

by; úia;r msgq wxl 305 isg 309 olajd igyka wxl 23 ys oelafõ'

2'5'1'4'5 ,dN fyda w,dN u.ska idOdrK w.hg olajk

uQ,H j;alï

Y%S','uQ'jd'm%' 9 g wkqj l%uCIh msßjehg fyda fjk;a úia;SrK

wdodhï u.ska idOdrK w.hg olajk uQ,H j;alï yer wfkl=;a ish¨

uQ,H j;alï ,dN fyda w,dN yryd idOdrK w.hg olajkq ,nhs'

fldka;%d;a;=uh uqo,a m%jdy /ialsÍug fyda uQ,H j;alï úlsKSu i|yd

hk lreKq fya;=fjka r|jd fkd.kakd neúka idOdrK w.h hk moku

u; w.hkq ,nk fj<|du i|yd r|jd.kakd fyda l<ukdlrKh lrk

uQ,H j;alï ,dNh$w,dNh u.ska idOdrK w.hg uQ,slj

y÷kd.ekSfuka kshu lrk ,o uq,H j;alï my; idlÉPdjg

Ndckh lr we;'

^w& ,dNh$w,dNh u.ska idOdrK w.hg kshu lrk ,o uQ,H

j;alï

,dNh$w,dNh u.ska idOdrK w.hg kshu lrkq ,nk uQ,H j;alï"

uQ,H ;;a;ajh ms<sn| m%ldYfhys idOdrK w.hg jd¾;d lrkq

,nhs' idOdrK w.fhys fjkialï" —,dNh$w,dNh yryd idOdrK

w.hg kshu lrkq ,nk uQ,H j;alï iy j.lSï u; Y=oaO ,eîï

fyda w,dNhkays˜ jd¾;d lrkq ,nhs' Wmhkq ,nk fmd<sh iM,

fmd,S wkqmd; Wmfhda.S lr .ksñka —fmd,S wdodhï˜ ys WmÑ; jk

w;r uqo, ,eîfï whs;sh ia:dms; jQ úg ,dNdxY wdodhu —fjk;a

fufyhqï wdodhïys˜ jd¾;d flfrhs'

ld,mßÉfPaoh wjidkfhaoS ,dNh$w,dNh u.ska idOdrK w.hg

.Kkh lsÍfïoS uQ,slj y÷kd.kq ,nk kshu lrk ,o uQ,H

j;alï iuQyh i;=j ke;'

266




2'5'1'5 uQ,H j.lSï j¾.SlrKh iy miqj ñkSu

Y%S','uQ'jd'm%' 9 m%ldr uQ,H wem iy Kh ne|Sï yereKq úg wfkla uq,H

j.lSï" iuQyh úiska my; ldKav w;=ßka tllg j¾.SlrKh flfrhs'

,dN$w,dN u.ska idOdrK w.hg .Kkh l< uQ,H j.lSï

- fj<|du i|yd r|jd.;a

- ,dN$w,dN uÕska idOdrK w.hg kï l<

l%uCIh msßjehg uksk ,o uQ,H j.lSï

uQ,H j.lSïys miq ld,Sk ñKqï tajdfhys j¾.SlrKh u; mokï fõ'

uQ,H j¾.SlrKfhys ,d mej;s Y%S ,'.s'm%' 39 ks¾kdhl fndfyduhla

Y%S','uQ'jd'm%' 9 hgf;a o mj;S'

2'5'1'5'1 ,dNh$w,dNh u.ska idOdrK w.hg uksk ,o

uQ,H j.lSï

jd¾;dlrk ld,h wjidkfhaoS ,dN w,dN u.ska idOdrK w.hg kï

l< lsisu uQ,H j.lSula iuQyh i;=j ke;'

2'5'1'5'2 l%ulaIh msßjehg .Kkh l< uQ,H j.lSï

iuQyh úiska t<U we;s .súiqïj,g wkqj" ord isákakdg uqo,a fyda

fjk;a uQ,H j;alula NdroSug ne|shdjla mj;sk úg fyda ne|shdjla

mshùu i|yd ksYaÑ; ysñlï fldgia ixLHdjla ksYaÑ; uqo,lg fyda

ksYaÑ; fjk;a uQ,H j;alï w.hlg yqjudre jk wjia:djla yereKqúg"

iuQyh úiska ksl=;a lrk ,o ,dN fyda w,dN u.ska idOdrK w.hg kï

fkdl< uQ,H j.lSï" —nexl= j,g f.úhhq;=˜" —fjk;a ;ekam;alrejkag

f.úh hq;=˜" —Kh iq/l=ïm;a ysñhkag f.úhhq;=˜ fyda —ksl=;a l< Kh

iq/l=ïm;a˜ fuu j¾.SlrKhg wh;ah'

WmlrKfha .súiqï.; fldkafoais m%ldr iuQyh úiska m%Odk WmlrK

uQ,H j.lSï fyda ysñlï WmlrK f,i j¾.SlrKh flfrhs'

uQ,sl y÷kd.ekSfuka wk;=rej" iM, fmd,S wkqmd;sl l%uh fhdod

.ksñka tu uQ,H j.lSï l%uCIh msßjehg ukskq ,nhs' w;am;a lr

.ekSug wod< jÜgï fyda wê ñ, iy iM, fmd,S wkqmd;slfhys

w;Hka; fldgila jk .dia;= yd msßjeh o ie,ls,a,g .ksñka l%uCIh

msßjeh .Kkh lrkq ,nhs' iM, fmd,S wkqmd;sl l%uCIh ùï wdodhï

m%ldYfhys —fmd,S úhoï˜ hgf;a y÷kd .kS' iM, fmd,S wkqmd;sl

l%uCIh l%shdj,sh yryd j.lSï y÷kd .ekSu w;ayßk úg ,dN yd

w,dN wdodhï m%ldYfhys y÷kd.kq ,nhs'

^w& nexl= j,g f.úh hq;=

nexl= j,g f.úh hq;= ms<sn| úia;r msgq wxl 318 ys igyka wxl

31 u.ska oela fõ'

^wd& ;ekam;alrejkag f.úh hq;=

;ekam;alrejkag f.úh hq;= ms<sn| úia;r msgq wxl 320 ys igyka

wxl 34 u.ska oelafõ'

^we& Kh iq/l=ïm;a ysñhkag f.úhhq;=

Kh iq/l=ïm;a ysñhkag f.úh hq;= ms<sn| úia;r msgq wxl 320 ys

igyka wxl 34 u.ska oelafõ'

^wE& fjk;a Kh .ekSï i|yd f.úhhq;=

fjk;a Kh .ekSï i|yd f.úh hq;= ms<sn| úia;r msgq wxl 320 ys


^b& ksl=;a l< Kh iq/l=ïm;a

ksl=;a l< Kh iq/l=ïm;a ms<sn| úia;r msgq wxl 321 ys igyka

wxl 35 u.ska oelafõ'

2'5'1'6 jHq;amkak j;alï iy j.lSï

jHq;amkak j;alï iy j.lSï uQ,sl jYfhka ,dNh$w,dNh u.ska

idOdrK w.hg jd¾;dlrK ,o jHq;amkak iy wjodkï l<ukdlrK

wruqKq i|yd r|jd.;a jHq;amkak f,i j¾.SlrKh flfrhs'

2'5'1'6'1 ,dN$w,dN uÕska idOdrK w.hg jd¾;d l<

jHQ;amkak

jHq;amkak jQ l,S my; i|yka .=Kdx. ;=fkkau iukaú; uQ,H

WmlrKhla fyda fjk;a .súiquls'

uQ,H fkdjk úp,H w;ska .súiqfuys md¾Yajhlg th iSud fkdfõ

kï" ksYaÑ; fmd,S wkqmd;" uQ,H WmlrK ñ<" fjf<| øjH ñ,"

úfoaY úksuh wkqmd;" ñ, fyda wkqmd; o¾Yl" Kh fY%aKs.; lsÍï

fyda Kh o¾Yl fyda fjk;a úp,H j, fjkialïj,g m%;spdr f,i

tys w.h fjkia fjhs'

Bg uQ,sl Y=oaO wdfhdack fyda fjf<|m< idOl j, fjkiaùï j,g

iudk m%;spdr oelaùug wfmaCIs; fjk;a .súiqï j¾.j,g wjYH

m%udKhg jvd wvq uQ,sl Y=oaO wdfhdack wjYH fkdfõ'

th bosß oskhloS mshjkq ,efí'

nexl=j úúO md¾Yaj iu. jHq;amkak .kqfokqj,g t<fUhs' fmd,S

wkqmd; yqjudre" Kh meyer yeÍï yqjudre" úúO úksuh yqjudre"

bosß úfoaY yqjudre .súiqï iy fmd,S wkqmd; úl,am" úfoaY jHjydr

uqo,a yd ysñlï fldgia Bg we;=<;ah' jHq;amkak idOdrK w.hg jd¾;d

lrk w;r tu w.h Ok jk úg j;alï f,i i,lk w;r" idOdrK

w.h iDK jk úg j.lSï .Kfhys,d ie,flhs' tjka jHq;amkakj,

idOdrK w.h iy kdñl w.h igyka wxl 19 ys fjka fjkaj fy<sorõ

lr we;' bosß .súiqï .sKqïlrKh wod< lr fkd.kafka kï jHq;amkak

j, idOdrK w.fhys fjkiaùï" Y=oaO fjf<| wdodhï ys we;=<;a

flfrhs'

bosß .súiqï .sKqïlrK fy<sorõ lsÍï msgq wxl 293 - 295 olajd igyka


267




2'5'1'6'2 wjodkï l<ukdlrK wruqKq iy bosß .súiqï

.sKqïlrKh i|yd r|jd.kakd jHq;amkak

fjf<| j;alï yd j.lSï f,i j¾.SlrKh fkdl< ish,q jHq;amkak

j;alï yd j.lSï" wjodkï l<ukdlrK wruqKq i|yd r|jd .kakd

jHq;amkak j,g wh;afõ' wjodkï l<ukdlrK wruqKq i|yd r|jd

.kakd jHq;amkak uQ,H ;;a;ajh ms<sn| m%ldYfhys idOdrK w.hg

ukskq ,nhs'

2'5'1'6'2'1 idOdrK w.fhys bosß .súiqï

,dNhg$w,dNhg n,mEï we;s lr,sh yels ne|Sul fyda hï j;alul

fyda j.lSul idOdrK w.h fjkiaùfuys bosß .súiqul bosß .súiqï

WmlrK f,i jHq;amkak kshu lr we;s úg tlS jHq;amkaj, idOdrK

w.fhys fjkialï bosß .súiqï wjodkug odhl úh yels bosß .súiqï

whs;u f,i jydu y÷kd .kq ,efnhs'

bosß .súiqï jH;amkak l,amsÍ fyda úl=Kd wjika lr fyda l%shd;aul

lr we;s úg fyda idOdrK w.hka bosß .súiqï .sKqïlrK i|yd jk

ks¾kdhl i|yd bosß .súiqu ;jÿrg;a wod< fkdjk úg fyda bosß

.súiqï kshu lsÍï wj,x.= lr we;s úgl bosß .súiqï .sKqïlrKh

kj;d,kq ,efí' flfia jqjo kS;s fr.=,dis fya;= u; kùlrKh

i|yd wjYH fldkafoais yer fiiq fjkiaùï fkdue;sj fomd¾Yajhu

u.ska fmdoq md¾Yajhka i|yd jHq;amkak kùlrKh flfrhs kï" tn÷

jHq;amkak l,a bl=;aù fyda wjika ù we;ehs fkdie,fla'

iM, fmd,S l%ufõo Wmfhda.S lr.kq ,nk bosß .súiqï.; whs;uhla

bosßhg mj;ajd fkd.ekSfï iSudj olajd isÿ lrkq ,nk .e,mSï

l%uCIh ,dN$w,dN f,i .kq ,nk w;r whs;uhka tys wjfYaI

cSj ld,h i|yd iM, fmd,S wkqmd;h h<s .Kkh flfrhs'

2'5'1'6'2'2 uqo,a m%jdy bosß .súiqï

,dNh$w,dNhg n,mE yels y÷kd.kq ,enQ j;alï$j.lSï wdY%s; tla;rd

wjodkulg fya;=úh yels uqo,a m%udKj, bosß .súiqï úp,H;dj

iïnkaO bosß .súiqï WmlrK f,i jHq;amkak kshu l< úg jHq;amkak

j, idOdrK w.hkaj, iM,odhS fldgila fjk;a úia;S¾K wdodhï

ys y÷kd.kq ,nk w;r ysñlï ;=< bosß .súiqï ixÑ;fhys bosrsm;a

flfrhs' jHq;amkak j, idOdrK w.hka ys fjkiaùï j, iM,odhS

fkdjk fldgia tfjf,ysu ,dN$w,dN ;=< y÷kd .efkhs'

fjk; úia;S¾K wdodhïys y÷kd .efkk w.h" tlu ld,iSudj

;=< ,dNhg$w,dNhg n,mdk uqo,a m%jdy bosß .súiqï f,i fjk;a

úia;S¾K wdodhï yd ,dNh$w,dNh ms<sn| m%ldYfhys wdY%s; whs;uhla

f,i kej; j¾.SlrKh .e<mqï jYfhka ,dNhg$w,dNhg kej;

j¾.SlrKh flfrhs'

bosß .súiqï jHq;amkak l,a bl=;a ù fyda úl=Kd wjika lr fyda

l%shd;aul lr we;akï fyda uqo,a m%jdy bosß .súiqï .sKqïlrKh i|yd

jk ks¾kdhl i|yd bosß .súiqï ;j¥rg;a wod< fkdjk úg fyda bosß

.súiqï kshu lsÍï wj,x.= lr we;s úgl bosß .súiqï .sKqïlrKh

kj;d,kq ,efí' flfia jqjo kS;suh$fr.=,disuh fya;= u; kùlrKh

i|yd wjYH fldkafoais yer fiiq fjkiaùï fkdue;sj bomd¾Yjhu

u.ska fmdÿ m%;smd¾Yajhlg jHq;amkak kùlrKh flfrhs kï" túg

jHq;amkak l,a bl=;aù$wjika ù we;ehs fkdie,fla'

2'5'1'6'3 noaO jHq;amkak

noaO jHq;amkak jQ l,S ;ks jHq;amkaklg tla whqrlska iudk ixhqla;

WmlrKhl uqo,a m%jdyj, fjkiaùï iys; .súiqï" jHq;amkak fkdjk

fouqyqka WmlrKhl fldgils' fjk;a wjia:djlos uQ,H fkdjk

úp,H iïnkaOfhka kï" ksYaÑ; fmd,S wkqmd;slhlg" uQ,H WmlrK

ñ,lg" mdßfNda.sl ñ,lg" úfoaY úksuh wkqmd;slhlg" ñ, fyda

wkqmd; o¾Ylhlg" Kh fY%aKs.; lsßug$Kh o¾Ylh fyda fjk;a

úp,H u; .súiqï u.ska kùlrKh úh hq;=j ;snQ uqo,a m%jdy ish,a,

fyda we;eï jd .súiqfuys tla md¾Yajhlg úfYaI fkdjk f,i ;eîug

noaO jHq;amkak bjy,a fõ' uQ,H WmlrKhlg iïnkaO kuq;a .súiqï

wkqj tlS WmlrKhla iajdëkj udre l< yels fyda tlS WmlrKhla

fjkia m%;smd¾Yajhla iys; kï th fjk;a uQ,H WmlrKhla úkd noaO

jHq;amkakhla fkdfõ'

Y%S','uQ'jd'm%' 9 g wkqj jHq;amkak" fjk;a .súiqula yd noaO ù ;sìh

yelsh' my; mßos fõ kï" uQ,H j.lSï iy uQ,H fkdjk Odrl

.súiqïj, noaO jHq;amkak fjka fjka jHq;amkak f,i iuQyh úiska

i,lkq ,nhs'

Odrl .súiqu" ,dN$w,dN u.ska idOdrK w.hg fkdmej;Su

fjku .súiqul r|jd ;snqfka kï" noaO jHq;amkakhl fldkafoais"

jHq;amkak ks¾kdhl j,g iß,kq we;'

noaO jHq;amkakhl wd¾:sl .=Kdx. yd wjodkï Odrl .súiqfuys

wd¾:sl .=kdx. yd wjodkïj,g ióm iïnkaOhla fkdmj;S'

jd¾;d lrkq ,nk oskg iuQyhg noaO jHq;amkak fkdmj;S'

2'5'1'7 uQ,H j;alï yd j.lSï kej; j¾.SlrKh

Y%S','uQ'jd'm%' 9 g wkqj uQ,H j;alï tajdfha uq,sl y÷kd.ekSfuka

wk;=rej w;am;a lr .ekSu" bj;,Su fyda jHdmdßl l%shdoduhla

kej;Su hkdosh we;=<;aj tjka uQ,H j;alï l<ukdlrKh lsßu

i|yd jHdmdßl wdlD;shl wruqK iuQyh úiska fjkia lrkq ,nk

ÿ¾,N wjia:dj,oS muKla yer tajdfha uQ,sl y÷kd.ekSug miqj kej;

j¾.SlrKh fkdflfrhs'

Y%S','uQ'jd'm%' 9 m%ldr kej; j¾.SlrKh lsÍïj,g wjir fkdue;s

fyhska uQ,H j.lSï kej; j¾.SlrKh fkdflfrhs'

268




jHdmdßl l%shdodhula nexl=j úiska w;am;a lr .ekSu" bj;,Su

fyda kej;Su hkdoS ÿ¾,N wjia:djloS yer 2018 ckjdß ui 1 jk

osk isg nexl=j yd iuQyh úiska uQ,H j;alï tajdfha uQ,sl y÷kd

.ekSfuka wk;=rej kej; j¾.SlrK fkdlrk ,oS' 2017 j¾IfhaoS

ikaikaokd;aul w.h h<s m%ldYs; lsÍug uQ,H WmlrK h<s

ieliSu yer nexl=j úiska tys uQ,H j;alï fyda j.lSï lsisjla

2018 ckjdß ui 1 oskg kej; j¾.SlrK lr ke;'

2'5'1'7'1 uQ,H j;alï kej; j¾.SlrK ñkSu

2'5'1'7'1'1 ,dN$w,dN u.ska idOdrK w.hg uQ,H WmlrK

kej; j¾.SlrK

fjk;a úia;SrK wdodhï u.ska idOdrK w.h

kej; j¾.SlrK oskg idOdrK w.h kj o< OdrK w.h njg

m;a fjhs' kj o< OdrK w.h u; mokïj iM, fmd,S wkqmd;slh

.Kkh flfrhs' idOdrK w.fhys miqld,Sk fjkialï fjk;a

úia;SrK wdodhïys y÷kd.kq ,efnhs'

l%uCIh msßjeh

kej; j¾.SlrK oskg idOdrK w.h kj OdrK w.h njg m;a fjhs'

kj o< OdrK w.h u; mokïj iM, fmd,S wkqmd;slh .Kkh

flfrhs'

2'5'1'7'1'2 fjk;a úia;SrK wdodhï u.ska idOdrK w.hg

uQ,H WmlrK kej; j¾.SlrKh

,dN$w,dN u.ska idOdrK w.h

fjk;a úia;S¾K wdodhïys iuqÉÑ; fYaIh" kej; j¾.SlrK oskg

,dNhg$w,dNhg kej; j¾.SlrKh flfrhs'

l%uCIh msßjeh

uQ,H j;alï" idOdrK w.hg kej; j¾.SlrK lrhs' fjk;a

úia;S¾K wdodhï ys iuqÉÑ; fYaIh" bj;a lr kej; j¾.SlrK oskg

idOdrK w.hg .e,mSï lrhs' .,mk ,o w.h" l%uCIh msßjeh njg

m;a fjhs'

uQ,sl y÷kd.ekSfïoS ;SrKh lrk ,o iM, fmd,S wkqmd;slh yd

o< OdrK w.h" kej; j¾.SlrK m%;sM, f,i .,mkq fkd,nhs'

2'5'1'7'1'3 l%uCIh msßjehg uQ,H WmlrK kej; j¾.SlrKh

fjk;a úia;S¾K wdodhu u.ska idOdrK w.h

j;alu idOdrK w.hg h<s ukskq ,nk w;r fjki fjk;a úia;SrK

wdodhïys y÷kd.kq ,nhs' uQ,sl y÷kd.ekSfïoS ;SrKh lrkq ,nk

iM, fmd,S wkqmd;sl" kej; j¾.SlrKfhys m%;sM, f,i l,mkq

fkd,nhs'

,dN$w,dN u.ska idOdrK w.h

kej; j¾.SlrK oskg idOdrK w.h kj OdrK w.h njg m;a fjhs'

l%uCIh msßjeh iy OdrK w.h w;r fjki ,dN iy w,dN f,i

y÷kd.kq ,efnhs'

2'5'1'8 uQ,H j;alï yd uQ,H j.lSï y÷kd fkd.ekSu

2'5'1'8'1 uQ,H j;alïs

j;alu u.ska uqo,a m%jdy ,eîfï whs;sh bl=laù we;s úg fyda j;alu

fj;ska uqo,a m%jdy ,eìfï whs;sh iuQyh úiska fjk;a md¾Yajhlg

mjrd we;s úg fyda j;alfuys ish,qu wjodkï yd m%;s,dN iuQyh úiska

ie,lshhq;= uÜgulg fjk;a md¾Yajhlg mjrd fyda iuQyh úiska

j;alug wod< ish,qu wjodkï yd ,dN ie,lshhq;= uÜgulg r|jdf.k

mjrd fkdue;s uq;a j;alfuys md,kh mjrd we;s úg" iuQyh úiska

uQ,H j;alula ^fyda wod< wjia:dj,oS uQ,H j;alul fldgila fyda

iudk uQ,H j;alï ldKavhl fldgila& y÷kd.kq fkd,nhs'

uQ,H j;alï y÷kd fkd.ekSu ;=< j;alul OdrK w.h ^j;alul

y÷kd .kq fkd,nk fldgig fjka lrk ,o OdrK w.h& iy ,o

uqo,aj, ^,o kj j;alï wvq lsÍu kj j.lSï we;=<;aj& fjki iy

fjk;a úia;S¾K wdodhfuys y÷kd .kakd ,o iuqÉÑ; ,eîï$w,dN"

,dNhg$w,dNhg y÷kd.kq ,nhs'

flfia jqjo OdrK w.hg fjkia úia;SrK wdodhï ys kshu lrk ,o

ysñlï wdfhdack iq/l=ï iïnkaOfhka fjk;a úia;SrK wdodhï ys

y÷kd.kq ,nk iuqÉÑs; ,eîï$w,dN" Y%S','uQ'jd'm%' 9 wkqj tjka

iq/l=ï y÷kd .ekSu u; ,dNhg$w,dNhg y÷kd.kq fkd,nhs'

iuQyh úiska cks;$r|jd.kq ,enQ udre lrk ,o uQ,H j;alïj,

fmd<sh y÷kd.kq fkd,eîug yiqjk w;r fjk;a j;alula$j.lSula

f,i y÷kd.kq ,efnhs'

uQ,H ;;a;ajh ms<sn| j;alï m%ldYfhys y÷kdf.k we;s j;alï

udre lrkq ,nk .kqfokqj,g iuQyh we;=<;a jk kuq;a udre lrk

,o j;alïj, ish,q wjodkï iy m%;s,dN ish,a, fyda ie,lsh hq;=

m%udKhla fyda fldgila r|jd .kq ,nhs'

tjka wjia:dj,oS udre lrk ,o j;alï y÷kd .kq fkd,nhs' udre

lrk ,o j;alï u; ix.dó uq¿ bosß .súiqïj, YS>%;dj iu. j;alï

fkdjk md¾Yajhlg úl=KQ úg iuQyh úiska tjka j;alïj, ish,q

wjodkï yd m%;s,dN ysñlï ish,a, fyda ie,lsh hq;= m%udKhla r|jd

.kakd fyhska úl=Kqï yd m%;súl=Kqï .kqfokqj,g iudk iqrCIs;

uQ,H .kqfokqjla f,i tlS .kqfokqj i,lkq ,nhs'

j;alu u.ska uqo,a m%jdy ,eîfï whs;sh iuQyh úiska fjk;a

md¾Yajhlg mjrd we;s úg fyda uqo,a m%jdy uq¿ukskau f;jk

md¾Yajhlg f.ùug ne|Sula we;s lr.;a úg iuQyh úsiska j;alïg

wod< ish,qu wjodkï yd ,dN ie,lsh hq;= uÜgulg r|jdf.k fyda

mjrd fkdue;s uq;a j;alfuys md,kh mjrd we;s úg j;alfuys

lghq;= iïnkaOfhka iuQyfha iyNd.S;ajfha m%udKh wkqj wod<

j;alu y÷kd.kq ,nhs' tn÷ wjia:dj,oS iuQyh úiska wdY%s; j.lSula o

y÷kd.kq ,nhs' iuQyh úiska r|jd.kq ,enQ whs;Ska yd j.lSï

ms<sìUq jk wdldrhg mjrk ,o j;alï yd wdY%s; j.lSï ukskq ,nhs'

2'5'1'8'2 uQ,H j.lSï

j.lSï hg;g .efkk .súiqï.; ne|shdj bl=;a ù fyda wj,x.= ù

fyda ksoyia lr we;s úg uQ,H j.lSu y÷kd.ekSu iuQyh úiska w;a

yßkq ,nhs'

269




2'5'1'9 uQ,H j;alï iy uQ,H j.lSï kùlrKh

2'5'1'9'1 uQ,H j;alï

uQ,H j;alï ms<sn| fldkafoais kùlrKh flfrhs kï" kùlrKh

lrk ,o j;alïj, uQ,H m%jdy ie,lsh hq;= f,i fjkia jkafkaoehs

iuQyh we.hSug ,la lrhs' uqo,a m%jdy ie,lsh hq;= f,i fjkia jkafka

kï" uq,a uQ,H j;alfuys isg uqo,a m%jdyj,g we;s .súiqï.; whs;Ska

l,a bl=;a ù we;s njg ie,flhs' fuysoS y÷kd.;a uq,a uQ,H j;alï

bj;a lr kj uQ,H j;alula idOdrK w.hg y÷kd.kq ,nhs'

Y%S','uQ'jd'm%' 9 g wkqj" l%uCIh msßjehg mj;sk kùlrKh jQ j;alïj,

uQ,H m%jdy ie,lsh hq;= f,i fjkia fkfõ kï" tlS kùlrKh"

y÷kd.;a uQ,H j;alï bj;a lsÍulg ;=vq fkdfohs'

fï wjia:dfõoS uQ,H j;alï o< OdrK w.hg" iuQyh úiska

kej; .Kkh lr tu o< OdrK w.h .e,mSu ;=<ska we;s jk

,dNh$w,dNh kùlrK ,dNh$w,dNh f,i wdodhï m%ldYh ;=<

y÷kd.kS' Khlref.a uQ,H wmyiq;d fya;=fjka tjka kùlrKh

lsÍula isÿjkafka kï" wod< ,dNh$w,dNh ydkslrK mdvq iu.ska

bosßm;a flfrhs' wfkla wjia:djkaysoS th fmd,S wodhula f,i

bosßm;a flfrhs'

2'5'1'9'2 uQ,H j.lSï

mj;sk uQ,H j.lSula tlS Khlref.au fjk;a uQ,H j.lSulska

wdfoaY jk úg" mj;akd fldkafoais ie,lsh hq;= f,i fjkia jkafka

kï iy mj;sk j.lSul fldkafoais ie,lshhq;= f,i kùlrKh

jkafka kï" tjka yqjudre lsÍula$ kùlrKh lsÍula uq,a j.lSfuys

bj;a lsÍula is¥jk w;r th kj j.lSula f,i y÷kd .efkhs'

fuysoS kùlrKh jQ fldkafoais u; mokï jQ kj uQ,H j.lSula

idOdrK w.hg y÷kd.kq ,nhs' bj;a jQ uQ,H j.lsfuys iy kjSlrKh

jQ fldkafoais iys; kj uQ,H j.lSfuys OdrK w.fhys fjki wdodhï

m%ldYh ;=< y÷kd.kq ,nhs'

2'5'1'10 uQ,H WmlrK ys,õ lsÍu

y÷kd.kq ,enQ w.hka ys,õ lsÍug oekg l%shd;aul l<yels kS;suh

whs;shla fõ kï muKla iy Y=oaO mokula u; mshùug fyda tljr

j;alï Wm,íêùug fyda j.lSï mshùug wruqKla fõ kï" uQ,H

j;alï yd uQ,H j.lSï ys,õ lr Y=oaO w.h uQ,H ;;a;ajh ms<sn|

m%ldYfhys jd¾;d flfrhs'

2'5'1'11 l%uCIh msßjeh iy o< OdrK w.h

uQ,H j;alul fyda uQ,H j.lSul l%uCIh msßjeh hkq uQ,sl y÷kd.

ekSfï msßjefhka uq,a wdmiq f.ùï wvqlr" uQ,sl w.h yd l,a msreKq

w.h w;r fjki iM, fmd,S wkqmd; l%ufõoh Wmfhda.S lr .ksñka

.Kkh l< iuqÉÑ; l%uCIh tl;=lr fyda wvqlr ukskq ,nk uQ,H

j;alï iy uQ,H j.lsïj, w.hhs' uQ,H j;alïj,g wfmaCIs; Kh mdvq

oSukd o .,mkq ,nhs'

uQ,H j;alul o< OdrK w.h jQ l,S" lsishï wfmaCIs; Kh mdvq

oSukdjla i|yd .e,mSug m%:u uQ,H j;alul l%uCIh msßjehhs'

2'5'1'12 uQ,H WmlrKj, idOdrK w.h

idOdrK w.fhys OQrdj,sh we;=<;aj uQ,H WmlrKj, idOdrK w.h

ñkSu ms<sn| wxl 262 yd 375 hk msgqj, igyka wxl 2'3 ys yd 55 ys

olajd we;'

2'5'2 uQ,H j;alï ydkslrKh

2'5'2'1 uQ,H j;alï ydkslrKh

^2018 ckjdß 1 oskg fmr wod< jk m%;sm;a;s&

iEu jd¾;d lrkq ,nk oskhloSu iuQyh úiska hï uQ,H j;alul

fyda uQ,H j;alï iuQyhla ydkslrKh jq njg úIh uQ,sl idCIs

we;aoehs ;lafiare lrkq ,nhs¡ j;alul uQ,sl y÷kd.ekSfuka wk;=rej

isÿjk isoaêhloS fyda isoaëkaf.a m%;sM,hla f,i w.h wvq ùu ms<sn|

úIh uQ,sl idlaIs we;s úg oS iy tys w,dN ydksfhka$ydks j,ska uQ,H

j;alfuys fyda uQ,H j;alï iuQyfhys weia;fïka;= l< wkd.; uQ,H

m%jdyhkag úYajdikShj ;lafiare l< yels n,mEula we;s úg muKla

uQ,H j;alul fyda uQ,H j;alï iuQyhl ydkslrKh ù we;s njg

i,lkq ,nhs'

Khlrejl= fyda Khlrejka lKavdhula ie,lsh hq;= uQ,H

ÿIalr;d w;aú|sk njg fyda Tjqka nxfldf<d;a ùfï fyda fjk;a

uQ,H m%;sjHqy.; lsÍï j,g Kh fyda fmd,S fyda uQ,sl f.ùï

meyeryeÍfï iïNdú;djhla we;s njg yd ysÕ uqo,aj, fjkiaùï fyda

Kh f.ùï meyer yer iy iu.dó wd¾:sl ;;a;ajhkaysoSs ;lafiare

lrk ,o wkd.; uQ,H m%jdyhkays .Kkh l< yels wvq ùula

fmkakqï lrk o;a;" w.h wvq lsÍïj, úIh uq,sl idCISka w;rg

we;=<;a úh yelsh'

uQ,Huh j;alï ^ysñlï iq/l=ï we;=¿j& ydkslrKh ù we;s njg

oelaúh yels úIh uQ,sl idlaISka my; mrsos úh yelsh'

Khlref.a fyda Kh ksl=;alrkakdf.a ie,lsh hq;= uQ,Huh ÿIalr;d

Kh myiqlï ms<sn| ld¾h igyka h<s ilia lsÍu

wys;lr uQ,H wkqmd; iy f;da,k wkqmd;

ndysr Kh j¾.SlrK my; fy<Su

Khlref.a meyer yeÍï

iuQyh úiska fjk;a wjia:djlos fkdi,lk fldkafoais u; Kh

fyda w;a;sldrï m%;sjHQy.; lsÍu

Khlre fyda Kh ysñhd nqkaj;a ùug bv we;s nj fmkakqï lrk

o¾Yl

iq/l=ï i|yd il%Sh fj<|m<la wysñùu fyda

iuQyfha meyeryeÍï yd iyiïnkaO jk iuQyfha Khlrejkaf.a$

Khysñhkaf.a f.ùï ;;a;ajhkaf.a wjdisodhl fjkiaùï

fyda wd¾:sl ;;a;ajhkaf.a wjdisodhl fjkiaùï wdoS iuQyhg

wod< jk fjk;a ksÍCIKh l< yels o;a;'

270




fmdÿfõ .;aúg" 20] l wvq ùula iuQyh úiska —ie,lsh hq;=˜

.Kfhys,d o udi 06 l ld,iSudj —§¾> jQ˜ .Kfhys,d o i,lkq

,nhs' flfia jqjo" ksYaÑ; jd;djrKhka hgf;a óg jvd wvq m%;sY;hl

wvqùula fyda flá ld,iSudjla jqjo fhda.H úh yelsh'

^¸& l%uCIh msßjehg mj;ajdf.k hk uQ,H j;alï ydkslrKh

flaj, iy iduQysl ydkslrK we.ehSu ms<sn| úia;r msgq wxl

299 ys igyka wxl 21 u.ska oelafõ'

^¸¸& úlsKSu i|yd mj;sk uQ,H wdfhdack ydkslrKh

úlsKSu i|yd mj;sk uQ,H wdfhdack ydkslrKh ms<sn|

iúia;rd;aul lreKq msgq wxl 305 ys igyka wxl 23 u.ska oelafõ'

2'5'2'2 uQ,H j;alï ydkslrKh

^2018 Èfkka miqj wod< jk m%;sm;a;s&

2'5'2'2'1 ydkslrKfhys flaj, ;lafiarej

fmr ;SrKh lrk ,o iSudjlg ^fjka fjka jYfhka .;aúg jo.;a jk

uQ,H j;alï& jvd by< uQ,H j;alï i|yd ydkslrK mdvqjla isÿù we;s

njg úIhdkqnoaO idCIs mj;S kï" j;alfuys OdrK w.h iy wkd.;

uqo,a m%jdy ^wkd.; wfmaCIs; Kh mdvq bj;a l< úg& j, ;lafiare.;

j;auka w.h w;r fjki" w,dN w.h f,i ukskq ,nhs'

iq/l=ï f,i ;nd we;s uQ,H j;alïj, ;lafiare.; bosß uqo,a

m%jdyj, j;auka w.h .Kkh lsÍu u.ska mQ¾jdjrKh lsÍu fyda

fkdlsÍu flfia jqjo j;alu w;am;a lr .ekSu yd úlsKSu i|yd jk

msßjeh wvqlr mQ¾jdjrKh lsÍfï m%;sM, f,i we;s jk uqo,a m%jdy

ms<sônq fõ' msgq wxl 301 ys we;s igyka wxl 21 ^wE& u.ska flaj,

ydkslrK ;lafiarej ms<sn| úia;r oelafõ'

2'5'2'2'2 fjka fjkaj .;a úg ie,lsh hq;= fjka fjkaj

ydkslrKh fkdjQ Kh

wmydkh fkdjQ kuq;a fjka fjkaj .;a úg ie,lsh hq;= Kh

wdrïNfha mgka ie,lsh hq;= Kh CIhùï ;sî we;aoehs hk ks¾Kdhl

u; mokïj 1 jk fyda 2 jk woshr hgf;a ydkslrKh i|yd iduQyslj

w.hkq ,nhs'

nexl=fõ ie,lshhq;= Kh wmydhkhka iksgqyka lr .ekSfïoS my;

ks¾Kdhl i,ld n,kq ,nhs'

oekg mj;sk uQ,H WmlrKj,g wod< fldkafoais fyda wkqmd;slj,

uQ,drïNhg jvd we;s ie,lsh hq;= fjkialï

úfYaIs; uQ,H WmlrK fyda iudk uQ,H WmlrKj, Kh wjodku

ms<sn| ndysr fj<|fmd< o¾Ylj, ie,lshhq;= fjkialï

Khlrefjl=f.a Kh$ysñlï fldgia WmlrKj, w.fhys

fjkialï wdoS Khlreg iïnkaO fjk;a f;dr;=re

Khlre i|yd i;H$wfmaCIs; wNHka;r Kh fY%aKs.; lsÍï my;

jeàu fyda wNHka;r jYfhka Kh wjodku we.hSug fhdod .kq

,nk p¾hd;aul ,l=Kqj, my; jeàu'

Khlrefjl=g ish ne|shdjka mshùug we;s yelshdjg ie,lsh

hq;= n,mEï is¥ lrk oekg mj;sk fyda bosßhg mqfrdal:kh l<

wys;lr jHdmdÍl fjkiaùï" uQ,H fyda wd¾:sl ;;a;ajhka'

wdodhfuys ;;H fyda wfmaCIs; wvqùu" fufyhqï wjodku by<hdu"

ldrl m%d.aOk ysÕh" j;alfuys .=Kd;aul nj wvqùu" f;da,kh

by< hdu" øjYS, l<ukdldÍ;ajhg wod< .eg¿ ksid Khlref.a

fufyhqï m%;sM, j, i;H fyda wfmaCIs; ie,lsh hq;= fjkiaùï'

tlu Khlref.a fjk;a uQ,H WmlrK u; Kh wjodku

ie,lshhq;= f,i j¾Okh ùu'

Kh ne|Sïj,g uqyqKoSug Khlrefjl= i;= yelshdfjys ie,lsh

hq;= fjkiaùïj,g ;=vq fok Khlref.a kshduk" wd¾:sl fyda

;dCIKsl mßirfhys is¥jk i;H fyda wfmaCIs; ie,lsh hq;=

wys;lr fjkiaùï

2'5'2'2'3 wfmalaIs; Kh mdvq m%;sm;a;sh

Y%S','.s'm%' 39 fjkqjg Y%S','uQ'jd'm%' 9 wdfoaYùu ksid" we;s jQ w,dN

m%fõYh bosß oelaue;s wfmaCIs; Kh mdvq m%fõYhg wdfoaYùu fya;=fjka

nexl=fõ Kh mdvq ydkslrK m%;smdok mQ¾K fjkilg n÷ka ù we;'

2018 ckjdß 1 osk isg ,dN$w,dN u.ska idOdrK w.hg r|jd fkd.;a

fjk;a uq,H j;alï yd ish,qu Kh i|yd wfmaCIs; Kh mdvq oSukd

fuu fldgfiys —uQ,H WmlrK˜ f,i olajd we;s Kh ne|Sï iy

uQ,H wemlr .súiqï iu.ska nexl=j úiska jd¾;d lrkq ,en we;'

Y%S','uQ'jd'm%' 9 hgf;a ysñlï WmlrK ydkslrKhg ,la fkdfõ'

wdrïNfha mgka ie,lshhq;= Kh wjodkï j¾Okhla fkdue;s úgloS

yer Kh mdvq oSukdj udi 12 lg wfmaCIs; Kh mdvq f,i .Kkh

fjhs' tfia fkdue;s jQ úg j;alul cSjld,h ;=< mek ke.Sug

bv we;s Kh mdvq u; mokïj wfmaCIs; Kh mdvq oSukdj ;SrKh fjhs'

Kh wjodkfuys ie,lshq;= j¾Okhla isÿù we;aoehs hkak ;SrKh

lsÍu i|yd jQ nexl=fõ m%;sm;a;s ms<sn| msgq wxl 272 ys igyka wxl

2'5'2'2'7 ys olajd we;' udi 12 ;=< wfmaCIs; Kh mdvq hkq jd¾;dlrkq

,nk osfkka udi 12 la ;=< uQ,H WmlrK u; meyer yeÍfï is¥ùï

u.ska wfmaCIs; Kh mdvq u.ska ksfhdackh lrkq ,nk cSjld,

wfmaCIs; Kh mdvqj, fldgils'

i,lkq ,nk uQ,H WmlrK l<fò iajNdjh u; mokïj cSjld,

wfmaCIs; Kh mdvq iy udi 12 ;=< wfmaCIs; Kh mdvq hk oaú;ajhgu

flaj, moku u; fyda iduQysl moku u; .Kkh flfrhs'

uQ,H WmlrKj, wjfYaI cSjld,h mqrdjg Kh meyer yeÍï isÿùfï

wjodku fjkiaùu i,ld n,ñka nexl=j úiska iEu jd¾;dlrK

ld,iSudjla wjidkfhaoSu hï uQ,H WmlrKhlg Kh wjodku uQ,sl

y÷kd.eksfï mgka ie,lsh hq;= f,i by< f.dia we;soehs we.hSula

lsÍfï m%;sm;a;shla ia:dms; lr we;'

271




tn÷ l%shdj,s u; mokïj nexl=j úiska 1 woshr" 2 woshr" 3 woshr f,i

Kh ldKav .; lrkq ,nhs'

1 wÈhr

Kh m<uqj y÷kd.kq ,enQ úg nexl=j úiska udi 12 ;=< wfmaCIs;

Kh mdvq u; mokï jQ oSukdjla y÷kd.kq ,nhs' Kh wjodku

hym;a ù we;s úg iy 2 jk woshfrka Kh kej; j¾.SlrKh lr

tu myiqlï 1 jk woshf¾ Kh j,g we;=<;a lrhs'

2 wÈhr

wdrïNfha mgka Kh wjodkfuys ie,lsh hq;= j¾Okhla fmkajkq

,nk úg nexl=j úiska cSjld, wfmaCIs; Kh mdvq i|yd m%;smdok

fjka lrkq ,nhs' Kh wjodku hym;a ù 3 jk woshfrka kej;

j¾.SlrKh lr Kh myiqlï o 2 jk woshf¾ Kh hg;g wh;a fõ'

.kqfokqldr .súiqï.; f.ùï isÿl<hq;= ld,iSudj osk 30 blaujk

wjia:dj,oS my; 3 woshr hgf;a j¾.SlrKh lr we;s Kh

myiqlïj,oS yer Y%S ,'uQ'jd'm%' 9 ys m%ldYs; Wml,amkhg hg;aj

Kh myiqlï ,nd fohs'

3 wÈhr

.kqfokqldr .súiqï.; f.ùï isÿ l<hq;= ld,iSudj osk 90

blaujk wjia:dj,oS Y%S ,'uQ'jd'm%'9 ys m%ldYs; Wml,amkj,g

hg;a Kh myiqlï

fojrlg jvd m%;sjHqy.; lrk ,o ish¿ Kh

ishü kej; ie,iqï l< Kh

Y%S ,xld uy nxl= kshduk m%ldr wl%Sh f,i j¾.SlrKh lrk ,o

ish¨ Kh myiqlï$.kqfokqlrejka

.kqfokqlrejl=f.a fyda WmlrKhl wjodkï fY%aKs.; lsÍu" Kh

fY%aKs.; lsÍfï ksfhdacs;dh;khla u.ska B+ olajd my; oeuQ

wjia:dj,oS iy$fyda nexl=j, wNHka;r fY%aKs.; lsÍfï moaO;sh

udmdxl 2 lska my; oeuQ wjia:dj,oS

wl%Sh Kh myiqlï$.kqfokqldr Kh wjodkï lemSfmfkk f,i

j¾Okh îgyka wxl 2'5'2'2'7 fj; fhduq jkak&

uQ,H j;alï" Wfoid uq¿ ysÕ uqo, fyda bka fldgila fyda h<s whlr

.ekSug nexl=j i;= idOdrK wfmaCIdjka fkdmj;sk úgoS uQ,H j;alï

ys o< OdrK w.h wvq flfrhs' fuh uq,H j;alï ^w¾O jYfhka&

y÷kd.ekSu w;ayeÍula hehs ie,fla'

2'5'2'2'4 wfmaCIs; Kh mdvq .Kkh lsÍu

iM, fmd,S wkqmd;slhg wdikak jÜgï w.hla fhdodf.k wfmaCIs;

uqo,a mdvq ñkSug nexl=j úiska wfmaCIs; Kh mdvq .Kkh lrkq ,nhs'

uqo,a ysÕh hkq .súiqï wkqj wdh;khlg f.úh hq;= uqo,a m%jdy yd

.súiqu m%ldr hï wdh;khla úiska ,nd .ekSug wfmaCIs; uqo,a m%jdy

w;r mr;rhhs'

wfmaCIs; Kh mdvq .Kkh lsÍfï hdka;%Kh my; i|yka mßos

ieflúka olajd we;s w;r m%Odk idOl my; mßos fõ'

meyeryeÍfï iïNdú;djh (PD)

fuh jQ l,S hï ld,iSudjla ;=< Kh f.ùu meyer yeÍfï

yelshdj ms<sn| weia;fïka;=jhs' hï Kh myiqlula ñg fmr

y÷kdf.k fkd;sìKs kï iy ;ju;a l<Ug wh;a kï" we.hSug

n÷ka jQ ld, mßÉfPaoh ;=< ksYaÑ; ld,iSudjloS muKla meyer

yeÍu isÿúh yelsh'

meyeryeÍug ksrdjrKh ùu (EAD)

fuh jQ l,S .súiqï u; fyda fjk;a fya;+ka u; uq,a uqo, iy fmd<sh

wdmiq f.ùuo w;miq jQ f.ùïj, iuqÉÑ; fmd<sh o we;=¿j jd¾;d

l< oskg miqj ksrdjrKhùïys wfmaCIs; fjkiaùï ie,ls,a,g

.ksñka bosß meyer yeÍï oskloS ksrdjrKh ùfï ;lafiarejhs'

meyeryeÍuloS isÿúhyels mdvqj (LGD)

fuh jQ l,S hï wjia:djloS meyer yeÍula isÿjQ úgl Woa.; jk

mdvqj weia;fïka;= lsÍuhs' lsishï md¾Yajhla wem iq/l=ï Wm,íêùï

o we;=¿j Kh ysñhka úiska ,nd .ekSug wfmaCIs; iy ,nd.ekSug

kshñ; .súiqï.; uqo,a m%jdy w;r fjki u; th mokï fõ' th

idudkHfhka meyer yeÍug ksrdjrKh ùfuys m%;sY;hla f,i

m%ldY lrkq ,nhs'

Bg m%:u ld,iSudjla ;=< werhqï lsÍug nexl=j i;=j kS;suh whs;shla

fõ kï yer Kh mdvq ;SrKh lrkq ,nk Wmßu ld,iSudj" uQ,H

WmlrKhlg .súiqï.; cSj ld,hhs'

ydkslrK mdvq iy uqodyeÍï" uQ,H j;alïj, o< OdrK w.fhys

.e,mSula f,i .Kkh lrkq ,nk w;r kùlrKh u.ska cks; jq

w,dN$,eîï j,ska fjkalr fy<sorõ lrkq ,nhs'

wfmaCIs; Kh mdvq l%ufõo hdka;%K my; ieflúka olajd we;'

1 wÈhr

jd¾;d lrkq ,nk osfkka miqj t<fUk udi 12 l ld,iSud ;=<

mej;sh yels uQ,H WmlrK u; wdmiq f.ùï meyer yeßïj, m%;sM,

f,i we;s úhyels wfmaCIs; Kh mdvq" cSj ld,h mqrd wfmaCIs; Kh

mdvqj, fldgila f,i udi 12 la ;=< wfmaCIs; Kh mdvq .Kkh

flfrhs' jd¾;d lrk oskg miqj t<fUk udi 12 ;=< wfmaCIs;"

meyer yeÍfï iïNdú;dj mokï lrf.k udi 12 la ;=< wfmaCIs;

Kh mdvq .Kkh lrhs' tu wfmaCIs; udi 12 la ;=< meyer yeÍfï

wjodkï meyer yeÍï ksrdjrK mqfrdal:khg fhdod .ksñka

wfmaCIs; meyer yeÍï ksid we;s jk w,dNh fyda .=Ks; lr uq,a

iM, fmd,S wkqmd;slhg wdfoaYlhla f,i fhdod .kq ,efnhs'

2 wÈhr

wdrïNfha mgka Kh wjodkfuys lemS fmfkk j¾Okhla Kh u.ska

fmkakqï lr we;s úg nexl=j úiska cSj ld, wfmaCIs; Kh mdvq

fjkqfjka m%;smdok fjka lrhs' tysoS wod< lr.kq ,nk hka;%Kh

by; úia;r lr we;s lreKq j,g iudk jk kuq;a WmlrKfhys cSj

ld,h wrNhd meyer yeÍfï iïNdú;dj iy meyer yeÍu u; w,dN

;lafiare flfrhs' uq,a iM, fmd,S wkqmd;slh wdikak jYfhka

ie,lSfuka wfmaCIs; uqo,a ysÕ jÜgï flfrhs'

272




3 wÈhr

ydkslrKh ù we;ehs ie,flk Kh i|yd nexl=j úiska cSjld,

wfmaCIs; Kh mdvq y÷kd.kq ,nhs' fuu l%ufõofha" Kh

meyeryeÍfï iïNdú;dj 100] f,i i,lk w;r wfkl=;a oE

woshr 2 j;alï i|yd jQ l%ufõohg iudk fõ'

2'5'2'2'5 fjk;a úia;S¾K wdodhï uÕska

idOdrK w.hg uksk ,o Kh WmlrK

fjk;a úia;SrK wdodhï yryd idOdrK w.hg uksk ,o Kh WmlrK

i|yd wfmaCIs; Kh mdvq u.ska idOdrK w.hg mj;sk uQ,H ;;a;ajh

ms<sn| m%ldYfhys uQ,H j;alïj, OdrK w.h wvq fkdflfrhs'

ta fjkqjg l%uCIh msßjehg j;alï w.h lsÍfuka we;s jk fjka

lsÍug iudk w.hla iuqÉÑ; ydkslrK w.hla f,i fjk;a úia;SrK

wdodhïys y÷kd.kq ,nk w;r wod< wfkla igyk wdodhï m%ldYhg

.,mkq ,nhs' úia;S¾K wdodhï m%ldYfhys y÷kd.;a iuqÉÑ; mdvq

j;alu bj;a lsÍfïoS kej; wdodhï m%ldYhg .,mkq ,nhs'

2'5'2'2'6 m%lafIams; f;dr;=re

wfmaCIs; Kh mdvq wdlD;sfha oS nexl=j úiska wd¾:sl idOl f,i my;

i|yka wdldrfha mq¿,a mrdihl m%lafIams; f;dr;=re u; r|d mj;S'

o< foaYSh ksIamdos; j¾Ok fõ.h

ú/lshd wkqmd;

WoaOukh wkqmd;

úksuh yqjudre wkqmd;sl

fmd,S wkqmd;

wfmaCIs; Kh mdvq .Kkh lsÍu i|yd Wmfhda.S lr.kq ,nk fhojqï

iy wdlD;s iEu úglu uQ,H m%ldYkfhys oskg fj<|m< yeisfrk

wdldrh uq¿ukskau .%yKh lr.kq fkd,eîh' fuh ms<sônq lsÍu i|yd

tjka ie,lsh hq;= fjkiaùï mj;sk wjia:dj,oS ;djld,sl .e,mqï

f,i m%udKd;aul .e,mqï isÿlrhs'

2'5'2'2'7 Kh wjodkh ie,lshhq;= f,i j¾Okh ùu

hï WmlrKhla yd WmlrK l<Ula udi 12 wfmaCIs; Kh mdvq fyda

cSjld, wfmaCIs; Kh mdvq i|yd n÷kaù oehs ;SrKh lr.kq msKsi

wfmaCIs; Kh mdvq hg;g .efkk ish,q j;alï nexl=j úiska wLKavj

wëCIKh lrkq ,nhs' uQ,sl y÷kd .ekSfï mgka Kh wjodkfuys

ie,lshhq;= j¾Okhla is¥ ù we;aoehs nexl=j úiska ;lafiare lrkq ,nhs'

my; i|yka ks¾Kdhl j,ska tlla fyda imqrd,k ,o úg Kh wjodku

ie,lshhq;= f,i j¾Okh ù we;s nj nexl=j úiska i,lkq ,nhs'

f.ùug kshñ;j osk 30 blaujQ .kqfokqldr .súiqï.; f.ùï

ndysr Kh j¾.SlrK ksfhdcs;dh;khla u.ska .kqfokqldr$

WmlrKhl wjodkï fY%aKs.; lsÍu B+ olajd my; oud we;s úgl

m%;sjHqy.; myiqlï

.kqfokqlrefjl=$myiqlula ksÍCIl ,ehsia;=jg udre lsÍu wdoS

j;alul Kh wjodku ie,lsh hq;= f,i j¾Okh lrkq ,nk

oaú;Shsl .=Kd;aul o¾Yl

idOdrK yd tlÕúh yels bosÍ wd¾:sl fldkafoais ms<sn| mqfrdal:k

.kqfokqlrejka$.kqfokqldr lKavdhï" l<U fyda WmlrKj,g

iDcqju n,mdk wjia:dj,oS'

N+f.da,Sh msysàu fyda iajdNdúl úm;a wdY%s;j we;s jk lemS fmfkk

fjkiaùï u.ska .kqfokqlrejl=f.a$.kqfokqldr lKavdhu fyda

WmlrKhl ld¾hidOkh flfrys iDcqju n,mdk wjia:dj,oS

wem iq/l=ï j, w.h ie,lsh hq;= f,i wvq jQ úg$th Wm,íêùfï

yelshdj wúksYaÑ; jQ úg

.kqfokqlrejl= kS;suh fíreï lsÍulg hg;a jk úg$th Kh

myiqlïj, ld¾hidOkhg ie,lsh hq;= f,i n,mdk úg

wdh;ksl .kqfokqlrejkaf.a fcHIaG l<ukdldÍ;ajh ksr;=rej

fjkiaùug Ndckh jk úg

uqq,a wjia:dfõoS tlÕ jQ osk mgka jir 2 lska fyda Bg jeä ld,

iSudjlska jHdmdßl fufyhqï$jHdmD;s wdrïNh l,ahEu

f.ùï i|yd ,ndfok ld,isudj oS¾> lsÍu" f.ùï ú,ïNkh"

.súiqï w;ayeÍu hkdosh u.ska iyk ,ndoSug fya;= jk wdldrfha

fldkafoais fjkiaùu

.kqfokqlre ñh.sh úg$nqkaj;a jQ úg

.kqfokqldre yd iïnkaOùug fyda .kqfokqlre fidhd .ekSug

nexl=j wfmdfydi;a jk wjia:dj,oS

fmr j¾Ih yd ii|kúg .kqfokqlref.a nÿ fmr ,dNh iy$fyda

msßjegqu 50] lska wvq jk wjia:dj,oS

fmr j¾Ih yd ii|kúg Y=oaO jákdlu 25] lg jvd by<

m%;sY;hlska my< .sh wjia:dj,oS

2'5'2'2'8 Kh ydkslrKh jQ yd meyeryeß

j;alï ms<sn| ks¾jpkh

my; i|yka wjia:dj,oS iuQyh úiska fjk;a .kqfokqlrejka ,nd

fok Kh yd w;a;sldrï meyer yeÍï f,i i,lkq ,nhs'

iq/l=ï Wm,íê lsÍu îq/l=ï lsisjla r|jdf.k we;akï& wdoS

l%shdud¾. j,g fhduqùu yer Khlre úiska wod< ne|Sï uq¿ukskau

f.ùug wfmdfydi;a wjia:dj,oS fyda

Khlre ;u .súiqï.; f.ùï l< hq;= oskh blaujd osk 90 la bl=;a

ù ;sîu'

jeäuk;a jYfhka" iuQyh úiska hï wdfhdackhlg mjrd we;s ndysr

Kh fY%aKs.; lsÍu" meyer yeÍula jk úg 3 jk woshr hgf;a uQ,H

wdfhdack j¾.SlrKh lrkq ,nhs'

2'5'3 foam," msßh; yd WmlrK

foam," msßh; yd WmlrK ms<sn| úia;r msgq wxl 310 ys igyka wxl

26 u.ska oelafõ'

2'5'4 wiamDYH j;alï

wiamDYH j;alï ms<sn| úia;r msgq wxl 316 ys igyka wxl 28 u.ska

oelafõ'

273




2'5'5 uQ,H fkdjk j;alï ydkslrKh

iEu jd¾;dlrK ld,mßõfcaohla wjidkfhaosu ú,ïî; nÿ j;alï

fkdjk j;alï ydkslrKh jQ njg lsishï fyda i<l=kla we;aoehs

iuQyh úiska w.hkq ,nhs' tn÷ yeÕùula we;akï fyda j;alula i|yd

jd¾Isl ydkslrK mÍCIdjl isÿlsÍu wjYH jkafka kï" iuQyh úiska

j;alfuka kej; whlr.; yels jákdlu weia;fïka;= lrkq ,efí'

j;alul OdrK w.h tys kej; whlr.; yels jákdlu blaujhs kï"

tu j;alu ydkslrKh ù we;ehs i,lkq ,nk w;r" j;alfï OdrK

w.h tys kej; whlr.; yels jákdlu wvq lrhs'

2'5'6 úY%du m%;s,dN ne|Sï

2'5'6'1 ks¾jÑ; úY%du m%;s,dN ie,iqï

2'5'6'1'1 fiajl úY%du wruqo, - »

1995 Tlaf;dan¾ 01 oskg m%:u nexl=jg ne÷kq ia:sr ld¾huKav,

idudcslhska i|yd ks¾jÑ; úY%du ie,iqï l%uhla nexl=j úiska

l%shd;aul lrkq ,nhs¡ fï i|yd fjku md,kh flfrk wruqo,la

fj; nexl=j úiska idudcslhkaf.a odhl;ajh ,ndfokq ,nhs¡

mqfrdal:k tall Kh csj .Kl ;lafiare lsÍfï l%uh Ndú;d lrñka

ks¾jÑ; úY%du m%;s,dN ie,iqu hgf;a m%;s,dN iemhSfï msßjeh fjk

fjku ;SrKh lrkq ,nhs¡ cSj .Kl ,dN yd w,dN tajd we;sjk

ld,mßÉfPaoh ;=< fjk;a úia;S¾K wdodhï hgf;a jd¾;d lrkq ,nhs¡

ks¾jÑ; m%;s,dN j;alï fyda j.lSï" ñka fmr y÷kd fkd.;a w;S;

fiajd msßjeh yd ne|Sï mshùug iDcqju wjYH flfrk ie,iqï

j;alïj, idOdrK w.h yd ñka fmr y÷kd fkd.;a cSj .Kl w,dN

wvq l< miqj t<fUk ks¾jÑ; m%;s,dN ne|Sï ys j;auka w.h f,i

.Kkh flf¾¡ ks¾jÑ; m%;s,dN j.lSfuys w.h" nexl=j úiska orkq

,nk w;r" ,dN fyda w,dN hgf;a jd¾;d lrkq ,nhs' hï j;alul

w.h lsishï cSj .Kl w,dNhla iy ñka fmr y÷kd fkd.;a merKs

fiajd msßjeh yd úY%du ie,iqug wod< bosß odhl;aj uqo,a wvq lsÍula

fyda wd¾:sl m%;s,dNhl j;auka w.h hkdosfhys fftlHhg" iSud fjhs¡

cSj .Kl yd WmfoaYk cSj .Kl ms<sn|j wefußldkq welvñfha

idudcsl msh,a tia¡ .=K;s,l uy;d FSA (USA) úiska 2018 foieïn¾ 31

oskg kj;u cSj .Kl we.hSula isÿlrk ,oS¡

2018 foieïn¾ 31 oskg fhÿkq we.hSfïoS fhdod .kakd ,o m%Odk uQ,H

Wml,amk my; mßos fõ¡

fmd<s$jÜgï wkqmd;h ^jd¾Islj& 12'00]

cSjk úhoï oSukdfõ by<hdu ^jd¾Islj& 4'50]

uQ,sl jegqma idudkHfhys by<hdu ^jd¾Islj& 6'50]

úY%du wruqof,ys j;alï" nexl=fõ j;alï j,ska fjkaj mj;ajdf.k

hkq ,nk w;r" Ndrldr wruqof,ys m%;smdok wkqj Ndrlrejka

úiska iajdëkj mßmd,kh lrkq ,efnhs' tfukau th iajdëk ndysr

ú.Kljrekaf.a jd¾Isl ú.Kkhg Ndckh fõ¡ uQ,H m%ldYk fukau

ú.Kk jd¾;djo iNd.; lsÍfuka wk;=rej Ndrldr uKav,h úiska

iudf,dapkh lrkq ,nhs¡ wruqo,a iemhSu" m%Yia; uÜgñka isÿjk

njg j.n,d .ekSug nexl=j ne|S isák neúka fulS uQ,H m%ldYk iy

ú.Kk jd¾;dj o nexl=fõ fy<sorõ lsÍï j,oS iudf,dapkhg bosßm;a

flfrhs¡ fuu wruqo,g odhl jQ idudcslfhl=f.a osú we;s f;la úY%du

jegqm udislj f.jkq ,nhs¡

fiajl úY%du wruqo, - » ms<sn| úia;r msgq wxl 323 isg 325 olajd

igyka wxl 36 ^w& 1 ys oelafõ'

2'5'6'1'2 wruqo,a fkdfh¥ úY%du j.lSu

cSj.Kl we.hSu isÿ l< jydu wruqo,a fkdfhojQ miq.sh fiajd

msßjeh fjk;a úia;SrK wdodhï hgf;a y÷kd.kq ,nhs' 2018 foieïn¾

31 oskg re' ñ,shk 2"596 l w;S; fiajd msßjeh ysÕhla cSj.Kl

we.hSï ;lafiarefjys m%;sM, u.ska fmkakqï lrk w;r" th uq¿ukskau

m%;smdokh lr we;¡ wruqo,a fkdfh¥ úY%du j.lSfuys úia;r msgq wxl

323 isg 325 olajd igyka wxl 36 ^w& 1 ys olajd we;'

2'5'6'1'3 fiajl úY%du wruqo, - »»

1995 Tlaf;dan¾ ui 01 osk fyda bka wk;=rej nexl= fiajhg ne÷kq

iaÓr ld¾h uKav, idudcslhka i|yd" nexl=j úiska wod< idudðlhdf.a

udisl o< jegqmska 12] l odhl;ajhla fjku md,kh jk wruqo,la

fj; udislj odhl l< hq;= jk ks¾jÑ; úY%du m%;s,dN ie,iqula

nexl=j úiska ia:dmkh lr fufyhjkq ,nhs'

mqfrdal:k tall m%;s,dN" cSjo;a; we.hSï l%uhla Ndú; lrñka ksYaÑ;

m%;s,dN úY%du ie,iqï hgf;a m%;s,dN iemhSfï msßjeh fjku ;SrKh

lrkq ,nhs' wdhq .Kkfhka we;s jQ ,dN yd mdvq" tajd mek k.skq ,nk

ld,mßÉfPaoh ;=< fjk;a úia;S¾K wdodhï hgf;a y÷kd.kq ,nhs'

ks¾jÑ; m%;s,dN j;alï fyda j.lSï" ñka fmr y÷kd fkd.;a w;S;

fiajd msßjeh yd ne|Sï mshùug iDcqju wjYH flfrk ie,iqï

j;alïj, idOdrK w.h yd ñka fmr y÷kd fkd.;a cSj .Kl w,dN

wvq l< miqj t<fUk ks¾jÑ; m%;s,dN ne|Sïys j;auka w.h f,i

.Kkh flf¾¡ ks¾jÑ; m%;s,dN j.lSfuys w.h" nexl=j úiska orkq

,nk w;r" ,dN fyda w,dN hgf;a jd¾;d lrkq ,nhs' hï j;alul

w.h lsishï cSj .Kl w,dNhla iy ñka fmr y÷kd fkd.;a merKs

fiajd msßjeh yd úY%du ie,iqug wod< bosß odhl;aj uqo,a wvq lsÍula

fyda wd¾:sl m%;s,dNhl j;auka w.h hkdosfhys fftlHhg" iSud fjhs¡

cSj.Kl yd WmfoaYk cSj.Kl ms<sn|j wefußldkq welvñ idudcsl

msh,a tia¡ .=K;s,l uy;d FSA (USA) úiska 2018 foieïn¾ 31 oskg

kj;u cSj .Kl we.hSula isÿlrk ,oS¡

274




2018 foieïn¾ 31 oskg fhÿKq we.hSfïoS fhdod .kakd ,o m%Odk uQ,H

Wml,amk my; mßos fõ¡

fmd,S$jÜgï wkqmd;h ^jd¾Islj& 12'00]

cSjk úhoï oSukdfõ by<hdu ^jd¾Islj& 4'50]

uQ,sl jegqma idudkHfhys by<hdu ^jd¾Islj& 6'50]

úY%du wruqof,ys j;alï" nexl=fõ j;alï j,ska fjkaj mj;ajdf.k

hkq ,nk w;r" Ndrldr wruqof,ys m%;smdok wkqj Ndrlrejka

úiska iajdëkj mßmd,kh lrkq ,efnhs' tfukau th iajdëk ndysr

ú.Kljrekaf.a jd¾Isl ú.Kkhg Ndckh fõ¡ uQ,H m%ldYk fukau

ú.Kk jd¾;djo iNd.; lsÍfuka wk;=rej Ndrldr uKav,h úiska

iudf,dapkh lrkq ,nhs¡ wruqo,a iemhSu" m%Yia; uÜgñka isÿjk

njg j.n,d .ekSug nexl=j ne|S isák neúka fulS uQ,H m%ldYk iy

ú.Kk jd¾;dj o nexl=fõ fy<sorõ lsÍï j,oS iudf,dapkhg bosßm;a

flfrhs¡ fuu wruqo,g odhl jQ idudcslfhl=f.a osú we;s f;la úY%du

jegqm udislj f.jkq ,nhs¡

fiajl úY%du wruqo, - »» ys úia;r msgq wxl 325 isg 327 ys igyka wxl

36 ^w& 2 u.ska oelafõ'

2'5'6'1'4 jekaoUq yd wk;aore úY%du wruqo,

2013 foieïn¾ ui isg n,meje;afjk mßos nexl=j úiska fiajl úY%du

jegqma fhdackd l%uh »» ys idudðlhka fjkqfjka jekaoUq yd wk;aore

úY%du jegqma fhdackd l%uhla ia:dmkh lrk ,oS' fiajl úY%du jegqma

fhdackd l%uh »» ys idudðlhskayg Tjqkaf.a leue;a; wkqj jekaoUq

yd wk;aore úY%du jegqma fhdackd l%ufha idudcsl;ajh ,nd .ekSfï

wjia:dj we;' nexl=j úiska fuu wruqo, i|yd odhl fkdjk w;r

nexl= fiajlhka úiska Tjqkaf.a uQ,sl jegqmska 5] la udislj odhl

uqo,a f,i f.jkq ,nhs'

2'5'6'2 úY%du mdßf;daIsl

fiajl úY%du jegqma »» fhdackd l%uh ia:dms; lsÍu;a iu. 1995

Tlaf;dan¾ ui 01 osk fyda bka miqj nexl= fiajhg ne÷kq fiajlhska

fiajl úY%du jegqma »» fhdackd l%uhg we;=<;a fõ' tfyhska Tjqka

fiajd mdßf;daIsl l%uh hgf;a ysñjk whs;Ska yd jrm%ido i|yd

ysñlï fkdlshhs' flfia jqjo" fuu úY%du jegqma fhdackd l%uh

hgf;a m%;s,dN ysñlr .ekSu i|yd wju jYfhka udi 120 l wLKav

il%Sh fiajd ld,hla iïmQ¾K l< hq;=j mj;S' tfyhska jir 10 l

fiajd ld,h iïmQ¾K lsÍug fmr úY%du hkq ,nk fyda úY%du hdu

yereKq fldg fjk;a fya;= u; jir 05 lg miq fiajd ld,h wjika

jk fiajlhskayg 1983 wxl 12 ork mdßf;daIsl oSukd f.ùfï mk;

hgf;a fiajdjidk mdßf;daIsl oSukd ysñlr .ekSfï wjia:dj ysñ

fõ' fï hgf;a ish fiajh wjika lrk ,o uQ,H j¾Ifha wjika

udih i|yd f.jk ,o o< jegqm fuka udi 1$2 l wkqmd;hla

hgf;a wLKav fiajfha kshe¿Kq iEu jirla fjkqfjkau mdßf;daIsl

oSukd f.jkq ,nhs'

l<ukdldß;ajfha woyi yd miq.sh w;aoelSïj,g wkqj tn÷

isÿùula we;sùfï iïNdú;djh úr,h' jd¾;d lrk oskg ie,lsh

hq;= j.lSula jd¾;d fkdjqkfyd;a" fiajd mdßf;daIsl i|yd uQ,H

m%ldYfhys m%;smdok fjka lrkq fkd,nhs' 1983 wxl 12 ork fiajd

mdßf;daIsl f.ùfï mk; hgf;a by; oelajQ wkaofï isÿùula u;

fiajlfhl=yg fiajd mdßf;daIsl f.ùu isÿ l<fyd;a" th f.jQ

j¾Ifha wdodhï m%ldYfhys mdßf;daIsl úhoula f,i y÷kd.kq ,nhs'

2'5'6'3 úY%dñl fiajl ffjoH m%;s,dN

úY%dñl fiajlhska fjkqfjka nexl=j úiska odhl;aj ffjoHdOdr

fhdackd l%uhla mj;ajdf.k hkq ,nhs' fï ie,iqu hgf;a we;s

j;alï nexl=fõ fiiq j;alï j,ska iajdëkj mj;ajd f.k hkq ,nk

w;r" tu wruqof,ys Ndrldr Tmamqfjys m%;smdok m%ldr nexl=fõ

l<ukdldß;ajh yd fiajlhska ksfhdackh lrkq ,nk l<ukdldr$

Ndrldr uKav,hla u.ska mßmd,kh lrkq ,nhs'

jßka jr isÿ lrkq ,nk cSj.Kl ks¾foaY u; nexl=fõ

l<ukdldß;ajh úiska ;SrKh lrkq ,nk uqo,a m%udKh nexl=j

úiska odhl;aj ffjoHdOdr ie,iqï l%uh fj; odhl lrkq ,nhs'

ta wkqj 2018 j¾Ifha ,dNfhka remsh,a ñ,shk 135'6 la fï i|yd

m%;smdokh lr we;'

úY%dñl fiajl ffjoH m%;s,dN ms<sn| úia;r msgq wxl 327 ys igyka

wxl 36 ^w& 3 u.ska oelafõ'

2'5'6'4 ks¾jÑ; odhl;aj ie,iqï

ks¾jÑ; odhl;aj ie,iqï ms<sn| úia;r msgq wxl 284 ys igyka wxl 11

u.ska oelafõ'

2'5'7 fjk;a j.lSï

fjk;a j.lsï ms<sn| úia;r msgq wxl 331 ys igyka wxl 39 u.ska

oelafõ'

2'5'8 m%;smdok

w;S; isoaêhl m%;sM,hla f,i iuQyh yuqfõ m%j¾;k ne|Sula

^ffk;sl fyda iïuq;sl& we;s úg yd tlS ne|Su mshùu i|yd wd¾:sl

m%;s,dN j,ska hq;= iïm;a msg;g .,dhdu wjYHùu NjH jk úgl

iy ne|Sï m%udKfhys úYajikSh weia;fïka;=jla l< yels úgloS

m%;smdok y÷kd.kq ,nhs¡ lsishï m%;smdokhlg wod< úhoï" wdodhï

m%ldYfhys olajkq ,nkafka lsishï m%;smQrKhla fõ kï th wvq

lsÍfuka wk;=rejh¡

2'5'8'1 jxpd iy.;j uqo,a wdmiq .ekSï fjkqfjka is¥l<

m%;smdok

2018 foieïn¾ 31 oskg y÷kd.kq ,enQ jxpd iy.; uqo,a wdmiq

.ekSïj,g wod< uq¿ jákdlu re'ñ,shk 110'3 la úh' re' ñ,shk

81'3 l m%;smdok fï jkúg;a .sKqfuys mj;S'

2'5'9 wiïNdjH j.lSï yd ne|shdjka

fï hg;g nexl= wemlr" Khjr ,sms" fkd,enQ Kh myiqlï" fjk;a

jl% Kh myiqlï iy m%d.aOk ne|shdjka we;=<;a fõ' nexl= wemlr jQ

l,S" Kh WmlrKhl kshdukj,g wkqj hï Khlrefjl= ksis oskg

f.ùï isÿ lsÍug wfmdfydi;a jk wjia:dj,oS we;s úhyels w,dNh

fjkqfjka iuQyh úiska ksYaÑ; f.ùula isÿ lsÍug wod< .súiqïh'

275




fkdf.jQ Kh ne|shdjka" Khjr ,sms hkq ne|shdjg wod< ld,iSudj

;=< we;s ne|shdjka hgf;a nexl=j úiska mQ¾j ksYaÑ; fldkafoais hgf;a

.kqfokqlre yg Khla ,ndosh hq;= wjia:dh'

2018 ckjdß 1 osk isg n,meje;afjk mrsos Y%S','uQ'.s'm%' 9 hgf;a

ydkslrK we.hSïj,g fulS .súiqï hgf;a fõ'

wiïNdjH j.lSï yd ne|shdjka ms<sn| úia;r msgq wxl 336 ys igyka


2'5'10 fldgila i|yd bmhSï

fldgil uQ,sl iy ;kql bmhSï ms<sn| úia;r msgq wxl 288 ys igyka


2'6 jeo.;a .sKqïlrK m%;sm;a;s - uQ,H WmlrK

i|yd wdodhï yd úhoï y÷kd.ekSu

wdodhu úYajikSh f,i w.h l< yels iy wd¾:sl m%;s,dN" nexl=j

fj; .,dtafï iïNdú;dj we;s ;dla ÿrg wdodhu y÷kd.kq ,nhs'

wdodhï iy úhoï ms<sn| úia;r msgq wxl 277 isg 288 olajd igyka

wxl 3 isg 14 ys olajd we;'

2'6'1 fmd<sh iy iudk wdodhï iy úhoï

fmd,S wdodhï iy úhoï ms<sn| ms<sn| úia;r msgq wxl 277 isg 279

olajd igyka wxl 03 yd 04 ys olajd we;'

2'6'2 .dia;= iy fldñia wdodhu

.dia;= iy fldñia wdodhu úia;r msgq wxl 279 ys igyka wxl 5 u.ska

oelafõ'

2'6'3 Y=oaO fj<| wdodhu

fj<|du u.ska ,;a Y=oaO ,dN$^w,dN& msgq wxl 281 ys igyka wxl 06

u.ska oelafõ'

2'6'4 ,dNdxY wdodhu

wdodhula ,eîug we;s whs;h ;yjqre jQ úg ,dNdxY wdodhu y÷kd.

kq ,efnhs' idudkHfhka fuh ,ehsia;=.; fldgi i|yd ,dNdxY rys;

oskhhs' ,dNdxY wdodhï ms<sn| úia;r msgq wxl 282 ys igyka wxl 09

u.ska oelafõ'

2'6'5 l=,S wdodhu

l==,S wdodhu" WmÑ; wdodhu u; ,dNhg fyda w,dNhg y÷kd.kq

,efnhs' l=,S wdodhu ms<sn| úia;r msgq wxl 282 ys igyka wxl 09

u.ska oelafõ'

2'7 jeo.;a .sKqïlrK m%;sm;a;s - nÿlrKh

2'7'1 m%j¾;k nÿlrKh

m%j¾;k nÿ ms<sn| úia;r msgq wxl 286 ys igyka wxl 13 u.ska oelafõ'

2'7'2 ú,ïî; nÿlrKh

ú,ïî; nÿ ms<sn| úia;r msgq wxl 286 yd 317 ys ms<sfj,ska igyka wxl

13 yd 29 u.ska oelafõ'

2'7'3 uQ,H fiajd i|yd tl;=l< w.h u; nÿ

2002 wxl 14 ork tl;= l< w.h u; nÿ mkf;ys 25 ^w& j.ka;sh iy

tys ixfYdaOk m%ldr uQ,H fiajd i|yd tl;=l< w.h u; nÿ .Kkh

flfrhs'

wd¾:sl CIhùï yd fiajl mdßY%ñl i|yd .,mk ,o fufyhqï

,dNfhka uQ,H fiajd i|yd tl;= l< w.h u; nÿ yd cd;sh

f.dvke.Sfï nÿ f.ùug fmr" 15] la uQ,H fiajd i|yd tl;=l<

w.h u; nÿ f,i f.úh hq;=fõ'

2'7'4 uQ,H fiajd i|yd cd;sh f.dvke.Sfï nÿ

2014 wxl 10 ork cd;sh f.dvke.Sfï nÿ îxfYdaê;& mkf;ys

m%;smdok m%ldr uQ,H fiajd i|yd cd;sh f.dvke.Sfï nÿ .Kkh lrkq

,nhs' uQ,H fiajd i|yd tl;=l< w.h u; nÿ i|yd jQ nÿ moku u;"

uQ,H fiajd i|yd cd;sh f.dvke.Sfï nÿ 2] la f.úh hq;=h'

2'7'5 uQ,H fiajd u; Kh wdmiq f.ùfï nÿ

2018 whjeh u.ska olajd we;s mßos 2018 wxl 35 ork kj uqo,a mk;

u.ska Kh wdmiq f.ùfï nÿ f,i kï lrk ,o kj noaola ;djld,sl

noaola f,i ^Tlaf;dan¾ 01 osk isg 2021 foieïn¾ 31 osk olajd& nexl=

yd uQ,H wdh;k u; mkjd we;' uQ,H fiajd u; Kh wdmiq f.ùfï nÿ

f.úh hq;= wkqmd;h 7] jk w;r Bg uQ,H fiajd u; tl;= l< w.h

u; nÿj,g wh;a mokuu wh;a fõ'

2'7'6 wd¾:sl fiajd .dia;=

2006 wxl 13 ork wd¾:sl fiajd .dia;= mk; iy tys ixfYdaOk

hgf;a 2006 wfm%a,a 1 osk isg wd¾:sl fiajd .dia;= f.úh hq;= fõ' óg

m%:u fuh 2004 wxl 11 ork uqo,a mk; yd 2005 wxl 11 ork uqo,a

mk; hgf;a 2004'04'01 osk isg 2006'04'01 osk olajd l%shd;aul úh'

wod< msßjegqu u; 0'25] l wkqmd;slhla wod< fõ' ysñlï fkdlS

wd¾:sl fiajd .dia;= fõ kï" th bosßhg f.k .sh yels w;r bosß mia

wjqreÿ ld,h ;=< f.úh hq;= wdodhï nÿ j,g th ys,õ l< yelsh'

2017 whjeh fhdackd wkqj 2017'01'01 osk isg l%shd;aul jQ mßos wod<

msßjegqu u; 0'50] la olajd wod< wkqmd;slh jeäúh hq;= w;r"

m%j¾;k j¾Ih o we;=,qj jir 03 la olajd wod< ld, mßÉfPaoh

iSud l<hq;= fõ'

2004 wxl 11 ork uqo,a mkf;a m%;smdok yd tys ixfYdaOk m%ldr"

wd¾:sl fiajd .dia;=j" 2004'04'01 osk isg y÷kajd fok ,oS' oekg

wd¾:sl fiajd .dia;=j" ksoyia msßjegqñka 0'25] la f.úh hq;= jk w;r

wdodhï nÿ fj;ska th wvq lrkq ,efí' ysñlï fkdlS wd¾:sl fiajd

.dia;= fõ kï th bosÍhg f.k hd yels w;r bosß mia wjqreÿ ld,h

;=< f.úh hq;= wdodhï nÿ j,g th ys,õ l< yelsh'

276




2'8 uqo,a m%jdy m%ldYh

Y%S ,xld .sKqïlrK m%ñ; ^Y%S ,'.s'm%' 7& wkqj uQ,H m%jdy m%ldYh

ms<sfh, lrkq ,en we;af;a iDcq l%uh mokï lr f.kh' uqo,a yd uqo,a

iudkhka" lsishï uqo,a m%udKhlg myiqfjka mßj¾;kh l< yels"

flá ld,Sk" by< øjYS,;djfhka hq;= wdfhdackj,ska iukaú; jk

w;r" tajdfha jákdlu fjkiaùfï wjOdku fkdie,lsh hq;= ;rï fõ'

w;e;s uqo,a" nexl= j, ;ekam;a lr we;s uqo,a fYaIhka yd flá oekqï

§ulska ,nd .; yels uqo,a" uqo,a yd uqo,a iudkhkag wh;a fõ'

uqo,a m%jdy m%ldYh msgq wxl 256 ys olajd we;'

2'9 kshduk m%;smdok

2'9'1 ;ekam;= i|yd rCIK fhdackd l%uh

nexl=fõ m%d.aOk m%udKd;aul;d wkqmd;h u; mokïj wod< jk

jHjia:dms; wkqmd;slh jk 0'10] la f,i" nexl=j úiska wod< ;ekam;=

moku u; rCIK jdßlh .Kkh lrhs' rCIK kshduk u.ska olajd

we;s mßos iEu ld¾;=jla wjidkfha isgu osk 15 l ld,iSudjla we;=<;

wod< jdßlh nexl=j úiska fm%aIKh lrkq ,efí'

2'9'2 fnda. rCIK whnÿ (CIL) 2013 wxl 12 ork uqo,a mkf;ys 14 jk j.ka;sfhys m%;smdok m%ldr

2013 wfm%a,a 01 jk osk isg l%shd;aul jk mßos fnda. rlaIK whnoao

y÷kajd fokq ,enQ w;r" th cd;sl rCIK Ndrldr wruqo,g f.úh

hq;= fõ' fï jk úg nÿ miq ,dNfhka 1] la fnda. rlaIK whnÿ f,i

f.úh hq;=h'

2'10 jd¾;dlrK ld,mßÉfPaohg miq isÿùï

jd¾;dlrK ld,mßÉfPaohg miq isoqùï ms<sn| úia;r msgq wxl 342 ys


2'11 ksl=;a lrk ,o uq;a jd¾;dlrK oskg n,

fkdmeje;afjk .sKqïlrK m%ñ;Ska

Y%S ,xld jr,;a .KldêldÍkaf.a wdh;kh u.ska ksl=;a lr we;s my;

i|yka Y%S ,xld uQ,H jd¾;dlrK m%ñ;Ska" nexl=j yd iuQyh úiska oekg

Wmfhda.S lr .kq ,nk .sKqïlrK m%;sm;a;s u; n,mEula we;s l<

yels w;r" wkd.; uQ,H m%ldY flfrys o n,mEula we;s l< yelsh'

2'11'1 Y%S ,xld .sKqïlrK m%ñ;Ska ^Y%S ,'uQ'jd'm%' 16& - l,a nÿ

l,a nÿ y÷kd.ekSu" .Kkh lsÍu" bosßm;a lsÍu iy fy<sorõ lsÍu

i|yd jk m%;sm;a;s fuu m%ñ;Ska u.ska oelafjhs' fuys wruqK jkafka

l,a nÿ ysñhd iy l,anÿ .eKqïlre úiska tu .kqfokq úYajikSh

f,i bosßm;a lsÍug wjYH f;dr;=re bosßm;a lrkq ,nk njg j.n,d

.ekSuhs' hï wdh;khl uQ,H m%jdyh" uQ,H ;;a;ajh yd l%shdldß;ajh

u; l,a nÿ u.ska we;s lr,k n,mEu ;lafiare lsÍug uQ,H m%ldYk

Ndú; lrkakkayg fuu f;dr;=re bjy,a fõ' fuu m%ñ;sh u.ska my;

m%ñ;Ska yd w¾:l:k wj,x.= fõ'

^w& LKAS 17 l,a nÿ

^wd& IFRIC 4 hï tlÕùula l,a nÿ j,ska iukaú;oehs ;SrKh lsÍu

^we& SIC – 15 fufyhqï l,a nÿ osß.ekaùï iy

^wE& SIC 27 l,a nÿj, ffk;sl iajrEmhg wh;a .kqfokq we.hSu

2019 ckjdß 1 osk fyda bka miqj wdrïN jk jd¾Isl jd¾;d lsÍï

mßÉfPao i|yd wdh;k úiska fuu m%ñ;sh fhdod .kq ,efnhs' tu

m%ñ;Ska l%shd;aul lsÍu i|yd nexl=j yd iuQyhg wod<j ie,lsh

hq;= Y=oaO n,mEula ke;'

uQ,H m%ldYk i|yd igyka



3 o< wdodhu

.sKqïlrK m%;sm;a;s

iuQyhg wd¾Ól m%;s,dN .,dtau yd wdodhu" úYajikSh f,i .Kkh lsÍug yels uÜgu olajd o< wdodhï y÷kd.kq ,nhs' wdodhï y÷kd .ekSug

m%:u fjk;a úfYaIs; ks¾Kdhl ta ta wdodhug wod< igyka hgf;a olajd we;'

nexl=j iuQyh


re Z000

2017

re Z000

2018

re Z000

2017

re Z000

fmd,S wdodhu 110,506,931 103,578,838 111,718,948 104,424,417.dia;= yd fldñia wdodhu 1,005,262 782,776 1,008,482 785,077fjf<|dï lghq;=j,ska Y=oaO ,dNh$^w,dNh& (707,433) 1,206,408 (1,062,421) 1,520,740,dNh$w,dNh u.ska idOdrK w.hg we;s uq,H WmlrKj,ska Y=oaO

idOdrK w.h ,dN$^mdvq& – – – –uQ,H j;alï y÷kd .ekSu w;ayeÍu ;=<ska Y=oaO ,dN$^w,dN& 6,906 707,491 6,906 707,491fjk;a fufyhqï Y=oaO wdodhï 1,090,412 1,720,272 1,088,539 796,897

o< wdodhu 111,902,078 107,995,784 112,760,454 108,234,622

4 Y=oaO fmd,S wdodhu

.sKqïlrK m%;sm;a;s

fmd,S wdodhu iy fmd,S úhou y÷kd .ekSu

l%uCIh msßjehg .Kkh lrk ,o ish¨ uQ,H WmlrK i|yd yd fjk;aa úia;S¾K wdodhï u.ska idOdrK w.hg f,i j¾. lrk ,o fmd,S

iys; uQ,H j;alï iy ,dN fyda w,dN u.ska idOdrK w.hg kï l< uQ,H WmlrK i|yd fmd,S wdodhu fyda úhou jd¾;d lrkqfha iM,

fmd,S wkqmd; Ndú;fhks' fuh uQ,H WmlrKfhka wfmaCIs; cSj ld,h ;=< fyda Bg wvq ld,iSudjla ;=< ;lafiare l< bÈß uQ,H f.ùï fyda

,eìï iqÿiq úgl§ uQ,H j;alfuys fyda j.lSfuys mj;sk Y=oaO w.hg ksYaÑ;j wvqlrk wkqmd;hhs' fuu .Kkh lsÍu i|yd uQ,H WmlrKfhys

ishü .súiqï m%ldr fldkafoais ^WodyrK jYfhka l,ska f.ùfï úl,am& ie,ls,a,g .kq ,nk w;r uQ,H WmlrKhg iDcqju iïnkaO yd iM,

fmd,S wkqmd;fhys ixl,s; fldgila jk lsishï .dia;= fyda j¾Ol msßjeh óg we;=¿ jk uq;a wkd.; Kh mdvq Bg wka;¾.; fkdfõ'

iuQyh úiska tys f.ùï fyda ,eîïj, ;lafiare w.hka ixfYdaOkh flfrhs kï" uQ,H j;alï fyda j.lSï ys OdrK w.ho .,mkq ,nhs' uq,a

iM, fmd,S wkqmd; u; mokïj wod< .e<mSï j,ska miq OdrK w.h .Kkh flfrk w;r" OdrK w.fhys fjki fjk;a fufyhqï wdodhï

f,i jd¾;d lrkq ,nhs' flfia jqjo" ,o uqof,ys by< .sh whlr .ekSï yelshdfjys m%;sM,hla f,i nexl=j úiska wkd.; uqo,a ,eìï ms<sn|

;lafiare miqj jeä lrkq ,nk kej; j¾.SlrKh lrk ,o uQ,H j;alï i|yd ;lafiarej fjkia l< Èk isgu tu jeälsÍïj, n,meu iM,

fmd,S wkqmd;slhg l< .e,mSula f,i y÷kd.kq ,nhs'

ydkslrK w,dNh fya;= fldg f.k uQ,H j;alul fyda iudk uQ,H j;alï ldKavhl jd¾;d l< w.h wvqjQ úgo ydkslrK w,dNh .Kkh

lsÍu i|yd wkd.; uQ,H m%jdy jÜgï lsÍug fhdod.;a fmd,S wkqmd;hu Ndú; lrñka fmd,S wdodhu y÷kd.ekSu isÿ flfrhs'




4' Y=oaO fmd,S wdodhu îïnkaOhs&

nexl=j iuQyh


re Z000

2017

re Z000

2018

re Z000

2017

re Z000

4' ^w& fmd,S wdodhu

uqo,a yd uqo,a iudkhka 27,501 51,967 27,501 51,967uy nexl=j fj;e;s fYaIhka – – – –nexl=j, we;s ;ekam;= 1,867,470 710,462 1,867,470 710,462jHq;amkak uQ,H WmlrK – – – –,dN w,dN u`.ska y÷kd.;a uQ,H j;alï

- idOdrK w.hg .Kkh lrk ,o 814,915 1,337,694 1,489,010 1,854,041 - idOdrK w.hg kï l< – – – –


- Kh yd w;a;sldrï 49,905,753 42,645,354 49,866,308 42,478,728 - Kh yd fjk;a WmlrK 57,733,319 58,265,141 58,150,208 58,603,901

fjk;a úia;S¾K wdodhï u.ska idOdrK w.hg .Kkh l< uQ,H j;alï 157,972 568,219 318,450 725,318

uq¿ fmd,S wdodhu 110,506,931 103,578,838 111,718,948 104,424,417

4' ^wd& fmd,S úhoï

nexl=jg f.úh hq;= 5,305,589 2,916,210 5,544,866 3,183,899,dN w,dN u.ska y÷kd.;a uQ,H j.lSï – – – –l%uCIh msßjeh u; uQ,H j.lSï

- ;ekam;alrejkag f.úh hq;= 68,955,361 60,161,942 68,955,361 60,161,942 - Kh iq/l=ïm;a ysñhkag f.úh hq;= – – – – - fjk;a Kh .ekSï i|yd f.úhhq;= 927,510 2,246,794 1,526,227 2,521,876

ksl=;a l< Kh iq/l=ïm;a 10,433,816 13,119,880 10,433,816 13,119,880

uq¿ fmd,SSS úhoï 85,622,275 78,444,825 86,460,269 78,987,596

Y=oaO fmd,SSS wdodhu 24,884,656 25,134,013 25,258,679 25,436,821

fmd,SS wdodhu

2018

110,

507

2017

103,

579

re' ñ,shk

112,500

110,000

107,500

105,000

102,500

100,000

fmd,SS úhoï

20182017

85,6

22

78,4

45

re' ñ,shk

90,000

85,000

80,000

75,000

70,000

65,000




4' Y=oaO fmd,SSS wdodhu îïnkaOhs&

4' ^we& rcfha iq/l=ïm;a j,ska ,;a Y=oaO fmd,S wdodhu

nexl=j iuQyh


re Z000

2017

re Z000

2018

re Z000

2017

re Z000

fmd,S wdodhu 57,237,192 58,878,205 58,460,191 59,870,757^wvq l<d&( fmd,S úhoï – – – –

rcfha iq/l=ïm;a j,ska ,;a Y=oaO fmd,S wdodhu 57,237,192 58,878,205 58,460,191 59,870,757

4' ^wE& oaú;SShsl fjf<|fmd< .kqfokq jk rcfha iq/l=ïm;a i|yd

r|jd .;a nÿj,g ysñ ld,amksl nÿ ner

2006 wxl 10 ork ifYdaê; foaYSh wdodhï nÿ mkf;ys 137 jk j.ka;sh m%ldr 2018'03'31 olajd rcfha iq/l=ïm;a u.ska isÿ lrk fjf<|fmd<

.kqfokq j,ska Wmhk fmd,S wdodhñka 1$9 l fldgilg iudk ld,amksl nÿ ner ioyd ysñlu iuQyh fj; we;' 2017 wxl 24 ork wdodhï nÿ

mk;ays m%;smdok m%ldr ld,mksl nÿ ner i|yd 2018 wfm%a,a 01 Èk isg iuqyhg ysñlula ke;'

ta wkqj 2018'03'31 olajd rcfha iq/l=ïm;a u.ska isÿ lrk oaú;Shsl fjf<|fmd< .kqfokqj,ska iuQyh Wmhk Y=oaO wdodhu uQ,H m%ldYj, o< w.h

olajd we;s w;r" tys m%;sM, f,i ld,amksl nÿ ner nexl=j ioyd remsh,a ñ,shk 1"235 lao ^2017 re' ñ,shk 4"787& iuQyh ioyd remsh,a ñ,shk

1"243'5 ^2017 re' ñ,shk 4"815& lao fõ'

4' ^b& ,eìh hq;= ld,amksl nÿ

wh lr .; yels uqo,a wvq lsÍfuka wk;=rej ,eìh hq;= ld,amksl nÿ m%udKh" msgq wxl 318ys uQ,H m%ldYk j, igyka wxl 30 ys olajd we;'

5 Y=oaO .dia;= yd fldñia wdodhu

.sKqïlrK m%;sm;a;s

.kqfokqlrejkag imhkq ,nk úúO jQ fiajdjkaf.ka iuQyh" .dia;= iy fldñia wdodhu Wmhd.kakd w;r" tu fiajdjka ldKav follg fnod

fjka l< yelsh'

^w& hï ld,iSudjla mqrd imhkq ,nk fiajdjkaf.ka Wmhd.kakd .dia;= yd fldñia wdodhu(

hï ld,iSudjla mqrd imhkq ,enQ fiajdjka fjkqfjka ,efnk .dia;= iy fldñia wdodhu tu ld,iSudj mqrd WmÑ; lr y÷kd.kq ,efí'

^wd& .kqfokq fiajd iemhSu fjkqfjka ,o .dia;= yd fldñia wdodhu(

f;jk md¾Yj fjkqfjka isÿlrk .kqfokq idlÉPd lsÍï fyda h<s i,ld ne,Sï j,ska ,o .dia;= yd fldñia wdodhï tu .kqfokq

iïmQ¾K ùfuka wk;=rej y÷kd.kq ,nhs' lsishï ld¾hhla bgqlsÍu yd iïnkaOù we;s .dia;= fyda .dia;= fldgia tu ld¾hh bgqlsÍfuka wk;=rej

y÷kd.kshs'

.kqfokq yd fiajd .dia;= j,g wod< .dia;= yd fldñia úhoï tu fiajdjka ,eîfuka miqj y÷kd.kshs' .dia;= yd fldñia úhoï WmÑ; mokug

.sKqï.; lrhs'




5' Y=oaO .dia;= yd fldñia wdodhu îïnkaOhs&

nexl=j iuQyh


re Z000

2017

re Z000

2018

re Z000

2017

re Z000

.dia;= yd fldñia wdodhu 1,005,262 782,776 1,008,482 785,077

.dia;= yd fldñia úhou (141,196) (109,082) (144,685) (113,037)

Y=oaO .dia;= yd fldñia wdodhu 864,066 673,694 863,797 672,040

Wmhk ,oafoa

Kh 849,434 660,273 849,434 660,273ldâm;a (53,299) (43,413) (53,299) (43,413)jdKsc yd fm%aIK – – – –wdfhdack nexl=lrKh 17,640 6,644 17,640 6,644;ekam;= 24,999 23,110 24,999 23,110wemlr 9,302 8,465 9,302 8,465fjk;a 15,990 18,616 15,720 16,961

Y=oaO .dia;= yd fldñia wdodhu 864,066 673,694 863,797 672,040

.dia;= yd

fldñia wdodhu

20182017

1,0

05

783

re' ñ,shk

1,250

1,000

750

500

250

0

.dia;= yd

fldñia úhou

20182017

141

109

re' ñ,shk

150

120

90

60

30

0




6 fjf<|dï lghq;= j,ska ,;a Y=oaO ,dNh$^w,dNh&

.sKqïlrK m%;sm;a;s

fmd,S wdodhu yereKq úg úfoaY úksuh yqjudrefjka ,;a wdodhu" ,dN fyda w,dN u.ska y÷kd.;a uQ,H j;alï j,g wod< ,dNdxY iy ish,qu

,dN$w,dN fj<|dï lghq;= j,ska ,;a Y=oaO ,dNh$^w,dNh&g we;=<;ah'

f.ùï ,nd.ekSu i|yd iuQyh i;= whs;sh ia:dms; jQ úg ,dNdxY wdodhu y÷kd.kq ,nhss'

nexl=j iuQyh


re Z000

2017

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úfoaY úksuh

nexl=j,ska – – – – wfkl=;a .kqfokqlrejkaf.ka 171,015 200,639 171,015 200,639

ia:djr wdodhï iq/l=ïm;a (591,815) 973,468 (946,802) 1,287,800ysñlï iq/l=ïm;a (309,451) 334,601 (309,451) 334,601jHq;amkak uQ,H WmlrK 22,817 (302,300) 22,817 (302,300)

tl;=j (707,433) 1,206,408 (1,062,421) 1,520,740

7 ,dN fyda w,dN uÕska idOdrK w.hg kï l< uQ,H WmlrKhkaf.ka ,;a

Y=oaO ,dNh$^w,dNh&

.sKqïlrK m%;sm;a;s

,dNh fyda w,dNh u.ska y÷kd.;a uQ,H j;alï yd uQ,H j.lSïj, idOdrK w.hys fjkiaùï j,ska ,;a ish¨ Wm,íê fkdjQ

,dN yd w,dN óg wh;a fõ'

nexl=j iuQyh


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,dN$w,dN u.ska idOdrK w.hg we;s uQ,H j;alï u; ,dN – – – –,dN$w,dN u.ska idOdrK w.hg we;s uQ,H j;alï u; w,dN – – – –,dN$w,dN u.ska idOdrK w.hg we;s uQ,H j.lsï u; ,dN – – – –,dN$w,dN u.ska idOdrK w.hg we;s uQ,H j.lsï u; w,dN – – – –

tl;=j – – – –




8 uQ,H j;alï y÷kd.ekSu w;ayeÍu u.ska ,;a Y=oaO ,dNh$^w,dNh&

.sKqïlrK m%;sm;a;s

l%uCIh msßjehg y÷kd.ekSu w;ayßk ,o j;alï iy fjk;a úia;S¾K wdodhï uÕska idOdrK w.hg .Kkh l< uQ,H j;alï j,g wod<

,dNfhka w,dNh wvq l< úg uQ,H j;alï y÷kd.ekSu w;ayeÍu u.ska ,;a Y=oaO ,dN$^w,dN& .Kkh fõ'

nexl=j iuQyh


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y÷kd.ekSu

,dN$w,dN uÕska idOdrK w.hg – – – – l%uCIh msßjehg – – – – fjk;a úia;S¾K wdodhu u.ska idOdrK w.hg 6,906 707,491 6,906 707,491

tl;=j 6,906 707,491 6,906 707,491

9 fjk;a fufyhqï wdodhï ^Y=oaO&

.sKqïlrK m%;sm;a;s

¸ foam," msßh;" WmlrK bj;a lsÍfuka ,o ,dNh$^w,dNh&

bj;a lrkq ,nk Èkg j;alïj, OdrK w.h yd Y=oaO úl=Kqï ñ, w;r fjki u.ska foam," msßh;" WmlrK bj;a lsÍfuka ,o ,dN$^w,dN&

;SrKh fõ' ie,lsh hq;= wjodkï yd m%;s,dN ysñlu úl=Kqïlre fj; udre lrkq ,nk j¾Ifha§ fuh fjk;a fufyhqï wdodhï hgf;a y÷kd.kq

,nhss'

¸¸ úfoaY úksuh ,dN$^w,dN&

iEu jd¾;dlrK Èklgu úfoaY úksuh ;;a;ajh h,s mßj¾;kh flfrhs' úksuh wkqmd;sl fjkiaùu u; we;sjk ,dN$^w,dN& tajd mek k.sk

ld,mßÉfPaofha wdodhï m%ldYfhys olajkq ,nhs'

¸¸¸ ,dNdxY wdodhu

f.ùï ,nd.ekSu i|yd iuQyh i;= whs;sh ia:dms; jQ úg ffjk;a úia;S¾K wdodhï u.ska idOdrK w.hg .Kkh l< uQ,H j;alï j,ska bmfhk

,dNdxY y÷kd.kq ,nhs'

nexl=j iuQyh


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wdfhdacs; foam, ,dN$w,dN – – – –foam," msßh;" WmlrK úlsKSfuka ,;a ,dN$w,dN (25,884) 2,826 (25,884) 2,824úfoaY úksuh h<s w.h lsÍfuka ,;a ,dN$^w,dN& 843,326 111,687 843,326 111,687,shd yßk ,o Kh whlr .ekSu – – – –wvql<d } ,shd yßk ,o Kh – – – –,dNdxY wdodhu 162,601 1,086,057 162,601 163,743l=,S wdodhu 15,738 15,643 13,864 13,769fjk;a wdodhu 94,631 504,059 94,632 504,874

tl;=j 1,090,412 1,720,272 1,088,539 796,897




10 ydkslrK úhoï

.sKqïlrK m%;sm;a;s

uQ,H WmlrK ms<sn| Y%S ,'uQ'jd'm%' 9 - Y%S ,xld uQ,H jd¾;dlrK m%ñ;Ska u.ska we.hSug ,la lrk ish,q uQ,H WmlrK fjkqfjka isÿl< ydkslrK

m%;smdokfha fjkiaùï iuQyh úiska y÷kd.kq ,nhs' ish,q uQ,H j;alï m%fNao Tiafia Y%S ,'uQ'jd'm% 09 yd Y%S ,'.s'm%' 39 hgf;a ydkslrK w,dN

ñkSfï§ úfYaIfhkau Kh wjodkfuys ie,lshhq;= jeäùï we.hSu" wkd.; uqo,a m%jdy m%udKh yd ld,h weia;fïka;= lsÍu" ydkslrK w,dN

j,§ iq/l=ï w.h ;SrKh lsÍu hkdÈh iïnkaOfhka ksis ;SrKj,g t<ôh hq;=h' fuh weia;fïka;= idOl .Kkdjla u.ska fuyhjkq ,nk w;r

fjkialïj, m%;sM,hla f,i úúO uÜgfï §ukd ,eìh yel' nexl=fõ wfmaCIs; Kh w,dN .Kkh lsÍï úp,H fhojqï iy tajdfhys wka;¾

iïnkaO;djhka f;dard .ekSu iïnkaOfhka mdol jk Wml,amk .Kkdjla iys; ixlS¾K wdlD;shl ksuhquls' ydkslrK we.hSu fjkqfjka

Wmfhda.S lr.;a l%ufõoh uQ,H m%ldYfhys igyka wxl 21 ^wE& uÕska úia;r flfrhs'

nexl=j iuQyh


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ydkslrK .dia;= 851,462 639,183 851,407 639,194lmdyeÍu 19,587 126,664 19,587 126,664

uq¿ ydkslrK .dia;= 871,049 765,847 870,994 765,858

ydkslrK .dia;=

uqo,a yd uqo,aj,g iudkhka

1 wÈhr 130 (28) 130 (28)

nexl=j, we;s ;ekam;=

1 wÈhr 2,191 469 2,191 469

l%uCIh msßjeh u; uQ,H j;alï - Kh yd w;a;sldrï

îgyka wxl 21 ^wE&

1 wÈhr 483,565 102,057 483,565 102,057 2 wÈhr 143,916 16,730 143,916 16,730 3 wÈhr 484,055 510,307 484,055 510,307

l%uCIh msßjeh u; uQ,H j;alï - Kh yd fjk;a WmlrK

îgyka wxl 21 ^wd&

1 wÈhr (262,395) 9,649 (262,450) 9,660 2 wÈhr – – – – 3 wÈhr – – – –fjk;a úia;S¾K wdodhï u.ska idOdrK w.hg .Kkh l< uQ,H j;alï

[igyka wxl 23 ^wd&] – – – –wiïNdjH j.lSï yd ne|shdjka îgyka wxl 46& – – – –md,s; iud.ïj, wdfhdack [igyka wxl 24 ^w&] – – – –wdY%s; iud.ï yd noaO jHdmdrj, wdfhdack îgyka wxl 25& – – – –foam," msßh;" WmlrK îgyka wxl 26& – – – –foam, wdfhdack îgyka wxl 27& – – – –

tl;=j 851,462 639,183 851,407 639,194




11 fiajl uKav, úhoï

.sKqïlrK m%;sm;a;s

¸ ks¾jÑ; odhl;aj ie,iqu

iuQyh úiska ks¾jÑ; odhl;aj ie,iqula fufyhjkq ,nhs¡ ksYaÑ; odhl;aj ie,iqula fj; oelaúh yels odhl;ajh ;SrKh jkqfha fiajlhska

úiska iuQyh fj; ,nd fok fiajhg iudkqmd;slj jk w;r" th —fiajl uKav, úhoï˜ hgf;a jd¾;d lrkq ,nhs¡ f.úh hq;= odhl;aj uqo,a"

j.lSula f,i jd¾;d lrkq ,nhs¡ iuQyh úiska my; i|yka ks¾jÑ; odhl;aj ie,iqï fjkqfjka tys odhl;ajh olajkqq ,nhs¡

^w& fiajl w¾:idOl wruqo,

nexl=j yd fiajlhska úiska fiajlhdf.a udisl o< jegqfmka ^w;sld, §ukd yereKq úg& ms<sfj,ska 12] la yd 8] la ne.ska w¾:idOl wruqo,g

odhl jkq ,nhs' nexl=fõ w¾:idOl wruqo, jQ l,S fiajl w¾:idOl wruqo,a mk; hgf;a wkque;sh ,o wruqo,ls¡ nexl=j úiska fiajl w¾:idOl

wruqof,ys idudcslhska yg jd¾Islj 8] l m%;s,dNhla iy;sl lrkq ,nhs'

Y%S ,xld uy nexl=j úiska mj;ajdf.k hkq ,nk fiajl w¾:idOl wruqo,g tka'tia'î' *kaâ uefkacaukÜ mqoa.,sl iud.u iy tys fiajlhska

úiska 12] iy 8] ne.ska ms<sfj,ska odhl lrkq ,nhs'

^wd& fiajl Ndrldr wruqo,

iuQyh úiska w;sld, §ukd yer fiajlhskaf.a udisl o< jegqmska 3] la fiajl Ndrldr uKav,h úiska mj;ajdf.k hkq ,nk fiajl Ndrldr

wruqo,g odhl lrkq ,nhs¡

¸¸ ks¾jÑ; m%;s,dN ie,iqu

Y%S ,xld .sKqïlrK m%ñ;s ^Y%S ,x'.s'm%' 19& fiajl m%;s,dNj,g wkqj iEu ks¾jÑ; m%;s,dN ie,iqulu u; mokïj ta ta ks¾Ñ; m%;s,dN ie,iqu

i|yd fjk fjku lrkq ,nk cSj.Kl ;lafiarejla u; odhl;ajh wdodhï m%ldYfhys y÷kd.kq ,efnhs'

nexl=j iuQyh


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jegqma iy m%ido §ukd 7,493,963 5,582,332 7,525,513 5,610,084ksYaÑ; odhl;aj$m%;s,dN ie,iqï i|yd odhl;ajh 682,797 505,189 684,250 506,243ksYaÑ; m%;,dN ne|Sï i|yd m%;smdok îgyka wxl 36& 826,392 585,425 826,743 585,669fldgia u; mokï jQ úhoï – – – –fjk;a 259,553 213,558 266,043 216,818

tl;=j 9,262,705 6,886,505 9,302,548 6,918,813

11' ^w& odhl;ajh - fiajl úY%du jegqma wruqo, - »

nexl=j iuQyh


re Z000

2017

re Z000

2018

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2017

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úhoï f,i y÷kd.;a uqo, 522,936 392,077 522,936 392,077

wefußldkq tlai;a ckmofha Ôj.Kl ix.ufhys wêidudðl msh,a tia¡ .=K;s,l iy iud.fuys msh,a tia' .=K;s,l uy;d 2018 foieïn¾

31 Èkg Ôj .Kl we.hSu isÿlrk ,§¡ [fhduqj igyka wxl 36 ^w& 1 msgq wxl 323]




11' fiajl uKav, úhoï îïnkaOhs&

11' ^wd& odhl;ajh - fiajl úY%du jegqma wruqo, - »»

nexl=j iuQyh


re Z000

2017

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2018

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2017

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úhoï f,i y÷kd.;a uqo, 167,786 97,240 167,786 97,240

1995 Tlaf;dan¾ ui 01 Èk fyda bka miqj nexl= fiajhg ne÷kq iaÓr fiajlhska i|yd nexl=j úiska fiajl úY%du jegqma wruqo, - II ia:dms;

lr we;' wefußldkq tlai;a ckmofha cSj.Kl ix.ufhys wêidudcsl" msh,a tia¡ .=K;s,l iy iud.fuys msh,a tia' .=K;s,l uy;d

2018 foieïn¾ 31 Èkg cSj .Kl we.hSu isÿlrk ,§¡ [igyka wxl 36 ^w& 1 msgq wxl 325].

11' ^we& odhl;ajh - úY%dñl fiajl ffjoHdOdr l%uh

nexl=j iuQyh


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2017

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2018

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2017

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úhoï f,i y÷kd.;a uqo, 135,670 96,108 135,670 96,108

1995 Tlaf;dan¾ ui 01 Èk fyda bka miqj nexl= fiajhg ne÷kq iaÓr fiajlhska i|yd úY%dñl fiajl ffjoHdOdr l%uh ia:dms; lr we;'

wefußldkq tlai;a ckmofha cSj.Kl ix.ufhys wêidudcsl" msh,a tia¡ .=K;s,l iy iud.fuys msh,a tia' .=K;s,l uy;d 2018 foieïn¾ 31

Èkg cSj .Kl we.hSu isÿlrk ,§¡ [igyka wxl 36 ^w& 3 msgq wxl 327].

11' ^wE& odhl;ajh - úY%du mdßf;daIslh

nexl=j iuQyh


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úhoï f,i y÷kd.;a uqo, – – 351 244

md,s; iud.fuys fiajl uKav,h úY%du jegqma l%uhg ysñlï fkd,nk w;r Tjqka 1983 wxl 12 ork mdßf;daIsl §ukd mk; hgf;a m%;smdok

i|yd ysñlï ,nhs' ^msgq wxl 329 - igyka wxl 36 ^w& 4&

ksYaÑ; m%;s,dN ne|shdjka i|yd uq¿ m%;smdok

nexl=j iuQyh


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ksYaÑ; m%;s,dN ne|shdjka i|yd uq¿ m%;smdok 826,392 585,425 826,743 585,669




12 fjk;a úhoï

.sKqïlrK m%;sm;a;s

oeßhhq;= jk msßjeh iy wdodhug iïnkaO ksYaÑ; whs;uj, bmhSï w;r iDcq iïnkaO;dj u; mokïj wdodhï m%ldYfhys fjk;a fufyhqï

úshoï y÷kd.kq ,nhs' ld¾hCIu ;;a;ajhka hgf;a foam<" mssßh; yd WmlrK mj;ajdf.k hdfï§ yd jHdmdr lghq;= bgq lsÍfï§ mek k.sk ish,q

úhoï j¾Ifha ,dNh .Kkh lsÍfï§ wdodhï m%ldYfhys olajd we;' miq.sh isÿùula fya;=fjka iuQyh fj; j;auka ne|Sula we;s úg ^ffk;sl fyda

iïm%hqla;& tlS ne|Sï mshjSu i|yd wd¾:sl m%;s,dN uQ¾;su;a flfrk iïm;a msg;g .,dhdula wjYH úhyels w;r tu.ska ne|Sfï m%udKh ms<sn|

ms<s.; yels weia;fïka;=jla l< yels jk w;r fiiq úhoïj,g wod< m%;smdok y÷kd.kq ,nhs. foam< msßh; yd WmlrK iy wiamDYH j;alï

CIhùï iy l%uCIh úhoï wfkl=;a úhoï j,ska fjkalr wdodhï m%ldYfhys olajkq ,efí'

nexl=j iuQyh


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2017

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2018

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2017

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wOHlaI uKav, mdßY%ñlhka 1,890 1,929 2,895 3,089ú.Kl mdßY%ñlhka 4,087 5,478 4,677 5,988ú.Ks; fkdjk .dia;= ú.Kljreka i|yd – – – –jD;a;Sh yd ffk;sl úhoï 21,369 25,126 21,369 25,126fufyhqï whnÿ úhoï – – – –NdKavd.drhg f.jQ úfYaI .dia;= 320,000 320,000 320,000 320,000ld¾hd, mßmd,k yd wdh;ksl úhoï 3,267,647 2,828,558 3,272,909 2,832,989fjk;a 579,986 556,273 538,931 495,573

tl;=j 4,194,979 3,737,364 4,160,782 3,682,765

13 nÿ úhoï

.sKqïlrK m%;sm;a;s

Y%S ,xld .sKqïlrK m%ñ;s ^Y%S ,'.s'm%' 12& ys wdodhï nÿ wkqj" nÿ úhoï hkq ld,mßÉfPaoh i|yd Y=oaO ,dNh fyda w,dNh ;SrKh ksYaph lsÍfï§

m%j¾;k noao iy ú,ïì; nÿ i|yd we;=<;a lrkq ,nk iudydr w.hhs' ysñlï fyda fjk;a úia;S¾K wdodhïys iDcqju olajkq ,nk whs;uj,g

wod< jk iSudj yereKqúg wdodhï nÿ wdodhï m%ldYfhys y÷kd.kq ,nhs'

m%j¾;k nÿlrKh

m%j¾;k j¾Ih fukau Bg fmr j¾I i|yd foaYSh wdodhï nÿ flduidßia fj; f.úh hq;= fyda wh lr .; hq;= m%udKhkaf.ka m%j¾;k nÿ j;alï

yd j.lSï iukaú; fõ¡ tu m%udK .Kkh lsÍu i|yd fhdod .kakd ,o nÿ wkqmd; yd nÿ kS;s" fYaIm;% Èkg fyda bka miqj kS;s.; lr we;¡

ta wkqj" 2006 wxl 10 ork foaYSh wdodhï mk; yd tys mßYsIaGhkays m%;smdokhkag wkqj my; wkqmd; fhdod .ksñka j¾Ihg wod, ,dNh u;

mokïj nÿ i|yd m%;smdok i,id we;'

ú,ïî; nÿlrKh

j.lSï l%uh Wmfhda.S lr.ksñka jd¾;dlrK Èkg j;alï yd j.lSï j, nÿ moku iy uQ,H jd¾;d lsÍfï wruqK msKsi y÷kd.kakd w.h w;r"

we;s ishü ;djld,sl fjkiaùï u; ú,ïNS; noao i|yd m%;smdokh flf¾¡

ishü wvql< yels ;djld,sl fjkiaùï j,g wod< ú,ïî; nÿ j;alï y÷kdf.k we;' mdúõÑ fkdl< nÿ w,dN yd mdúõÑ fkdl< nÿ ner

whlr .eksug m%udKj;a wkd.; nÿ jk ,dN ,efn;ehs .uH jk;dla ÿrg bÈßhg f.k wd mdúõÑ fkdl< nÿ w,dN iy mdúõÑ fkdl< nÿ ner

i|yd ú,ïì; nÿ j;alula y÷kd.; hq;=h'




iEu jd¾;dlrk Èklgu ú,ïî; nÿ j;alul OdrK w.h iudf,dapkh lrkq ,nk w;r" ú,ïî; nÿ j;alfuka fldgila fyda iïmq¾Kfhkau

lmdyeÍug Wmfhda.S lr .ekSfï jdish ,eîug m%udKj;a ;rï nÿ jk ,dN ,efn;ehs ;jÿrg;a NjH fkdjk f;la ú,ïî; nÿ j;alfï OdrK

w.h wvq lrkq ,nhs' y÷kd.kq fkd,en we;s ú,ïî; nÿ j;alï iEu jd¾;dlrk Èkl §u h<s ;lafiare lrk w;r wkd.; nÿ jk ,dN j,ska

ú,ïî; nÿ j;alï whlr .eksug we;s yelshdj oeka NjH jk ;dla ÿrg y÷kd.kq ,nhs¡

jd¾;dlrK Èkg kS;s.; lr we;s fyda bkamiqj fndfyda ÿrg kS;s.; ;;a;ajhg m;aj we;s nÿ wkqmd; iy nÿ ksS;s mokï lrf.k j;alï Wm,íê

jQ fyda j.lSï mshjQ j¾Ihg Wmfhda.S lr .eksug wfmalaIs; nÿ wkqmd;h u; ú,ïî; nÿ j;alï yd j.lSï ukskq ,efí¡

nexl=j iuQyh


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m%j¾;k nÿ úhoï

m%j¾;k j¾Ih 3,359,383 4,328,136 3,362,374 4,503,829 miq.sh j¾I i|yd ^wê&$W!K fjka lsÍï 6,430 – 6,430 (310)

ú,ïî; nÿ úhoï

nÿ wkqmd;slj, fjkfiys n,mEu – – – – ;djld,sl fjkiaùï [fhduqj igyk 13 ^wd&] 75,400 90,883 75,252 91,546 fmr j¾Ifha m%;smdok – – – –

tl;=j 3,441,213 4,419,019 3,444,056 4,595,065

iM, nÿ wkqmd;slh ^]& 43.33 31.50 43.35 33.68iM, nÿ wkqmd;slh ^ú,ïî; nÿ yer& ^]& 42.38 30.85 42.41 33.00

13' ^w& nÿ úhoï iei÷u

nexl=j iuQyh


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2017

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2018

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2017

re Z000

nÿ fmr ,dNh 7,941,364 14,028,719 7,944,243 13,645,212j¾Ih i|yd wdodhï nÿ ^.sKqïlrK ,dNh u; 28]& 2,223,582 3,928,041 2,224,388 3,820,659fmr j¾Ij, m%j¾;k nÿ .e,mSï

tl;=l<d ( nÿ lghq;= i|yd wvq l< fkdyels úhoï u.ska

nÿ i|yd we;sjQ n,mEu 1,884,775 2,854,015 1,888,211 2,881,503wvql<d ( nÿ lghq;= i|yd wvq l<yels úhoï uÕska

nÿ i|yd we;sjQ n,mEu 748,974 2,453,920 750,225 2,198,334

j¾Ih i|yd nÿ úhou 3,359,383 4,328,136 3,362,374 4,503,829

) Y%S ,'uQ'jd'm%' 9 g wkqj nexl=j úiska nÿ úhoïj, n,mEu h<s m%ldYs; fkdlrk ,§'

13' ^wd& wdodhï m%ldYhg .<mk ,o ú,ïì; nÿ ^ner&$úhou ilia ù we;af;a my; mßÈh(

nexl=j iuQyh


re Z000

2017

re Z000

2018

re Z000

2017

re Z000

ú,ïî; nÿ j;alï – – (148) –ú,ïî; nÿ j.lSï 75,400 90,883 75,400 91,546wdodhï m%ldYhg .<mk ,o ú,ïì; nÿ nÿ ^ner&$úhou 75,400 90,883 75,252 91,546

13' nÿ úhoï îïnkaOhs&




14 fldgil bmhqï

.sKqïlrK m%;sm;a;s

iuQyh úiska tys idudkH fldgiaj, uQ,sl yd ;kql fldgil bmhSï o;a; bÈßm;a lrkq ,nhs' nexl=fõ idudkH fldgia ysñlrejkag wod< jk

j¾Ih i|ydjQ ,dNh fyda w,dNh tu j¾Ih ;=< n,d;aul Nß; uOHl idudkH fldgia .Kkska fnÈfuka uq,sl fldgil bmhqu .Kkh lrkq

,efí' idudkH fldgia ysñlrejkag wod< jk j¾Ih i|ydjQ ,dNh fyda w,dNh j¾Ih ;=< n,d;aul Nß; uOHl idudkH fldgia .Kkska fnod

Bg ish¿u ;kqlsl NjH idudkH fldgia i|yd jQ n,mEu .e,mSfuka ;kql fldgil bmhqu .Kkh flfrhs'

nexl=j iuQyh


re Z000

2017

re Z000

2018

re Z000

2017

re Z000

idudkH fldgia ysñlrejka i|yd jk Y=oaO ,dNh 4,500,151 9,715,961 4,500,187 9,156,396idudkH fldgia ysñlrejkag fnodyßk ,o Y=oaO ,dNh ;kqlùfï

n,mEu i|yd .e,mSfuka miq 4,500,151 9,715,961 4,500,187 9,156,396fldgil uQ,sl bmhqï i|yd Nß; uOHl idudkH fldgia ixLHdj 670,000 620,000 670,000 620,000;kql ùfï n,mEu – – – –;kql ùfï n,meu .e,mSfuka miq Nß; uOHl idudkH fldgia ixLHdj 670,000 620,000 670,000 620,000

idudkH fldgil uQ,sl bmhSï 6.72 15.67 6.72 14.77

idudkH fldgil ;kql bmhSï 6.72 15.67 6.72 14.77

14' ^w& fldgil uQ,sl yd ;kql bmhqï i|yd nr ;enQ idudkH fldgia ixLHdj

mj;sk idudkH fldgia ixLHdj nr ;enQ idudkH fldgia ixLHdj

2018

re Z000

2017

re Z000

2018

re Z000

2017

re Z000

ckjdß 01 Èkg ksl=;a jQ fldgia ixLHdj 670,000 620,000 670,000 620,000tl;=l<d ( j¾Ih ;=< ksl=;a l< fldgia ixLHdj îgyka wxl 41& 270,000 50,000 – –

fldgil uQ,sl yd ;kql bmhqï i|yd nr ;enQ idudkH fldgia ixLHdj 940,000 670,000 670,000 620,000

) nexl=j úiska 2018'12'31 Èk idudkH fldgia ñ,shk 270 la ksl=;a lr we;'




15 .Kkh lrk ,o moku u; uQ,H WmlrKj, úYaf,aIKh

.sKqïlrK m%;sm;a;s

Y%S ,xld .sKqïlrK m%ñ;Ska ^Y%S','.s'jd'm%'9& uQ,H WmlrK wkqj uQ,H ;;a;ajh ms<sn| m%ldYfha j¾.SlrKh hgf;a uQ,H WmlrKj, Odrk w.h

my; mßÈ idrdxY.; lr we;'

15' ^w& nexl=j - 2018

l%uCIh msßjeh

re Z000

,dNd,dN uÕska

idOdrK w.hg

kï lrk ,o

re Z000

fjk;a úia;S¾K

wdodhï uÕska

idOdrK w.h

re Z000

tl;=j

re Z000

j;alï

uqo,a yd uqo,a iudkhka 3,434,524 – – 3,434,524uy nexl=j fj;e;s fYaIhka – – – –nexl=j, we;s ;ekam;= 17,588,445 – – 17,588,445jHq;amkak uQ,H WmlrK – – 4,740,106 4,740,106Kh iy w;a;sldrï 423,532,145 – – 423,532,145Kh WmlrK 518,947,969 14,801,463 2,433,915 536,183,346ysñlï WmlrK – 1,878,919 3,750,515 5,629,434

uQ,H j;alï tl;=j 963,503,083 16,680,382 10,924,536 991,108,000

l%uCIh msßjeh

re Z000

,dNd,dN uÕska

idOdrK w.hg

kï lrk ,o

re Z000

tl;=j

re Z000

j.lSï

nexl=j,g f.úh hq;== 77,119,146 – 77,119,146jHq;amkak uQ,H WmlrK – 1,533 1,533uQ,H j.lSï

- ;ekam;alrejkag f.úhhq;= 839,574,411 – 839,574,411 - Kh iq/l=m;a ysñhkag f.úhhq;= – – – - fjk;a Kh .ekSï i|yd f.úhhq;= 14,804,802 – 14,804,802

ksl=;a l< Kh iq/l=ïm;a 52,389,133 – 52,389,133

uQ,H j.lSï tl;=j 983,887,492 1,533 983,889,025




15' .Kkh lrk ,o moku u; uQ,H WmlrKj, úYaf,aIKh îïnkaOhs&

15' ^wd& nexl=j - 2017

l%uCIh msßjeh

re Z000

,dNd,dN uÕska

idOdrK w.hg

kï lrk ,o

re Z000

fjk;a úia;S¾K

wdodhï uÕska

idOdrK w.h

re Z000

tl;=j

re Z000

j;alï

uqo,a yd uqo,a iudkhka 3,849,530 – – 3,849,530uy nexl=j fj;e;s fYaIhka – – – –nexl=j, we;s ;ekam;= 23,437,274 – – 23,437,274jHq;amkak uQ,H WmlrK – 650 1,360,064 1,360,714Kh iy w;a;sldrï 375,703,730 – – 375,703,730Kh WmlrK 555,468,618 4,114,978 1,252,878 560,836,474ysñlï WmlrK – 2,357,336 4,440,951 6,798,287

uQ,H j;alï tl;=j 958,459,152 6,472,964 7,053,893 971,986,009

l%uCIh msßjeh

re Z000

,dNd,dN uÕska

idOdrK w.hg

kï lrk ,o

re Z000

tl;=j

re Z000

j.lSï



ksl=;a l< Kh iq/l=ïm;a 162,709,027 – 162,709,027

uQ,H j.lSï tl;=j 961,355,267 956,937 962,312,204

15' ^we& iuQyh - 2018

l%uCIh msßjeh

re Z000

,dNd,dN uÕska

idOdrK w.hg

kï lrk ,o

re Z000

fjk;a úia;S¾K

wdodhï uÕska

idOdrK w.h

re Z000

tl;=j

re Z000

j;alï

uqo,a yd uqo,a iudkhka 3,436,929 – – 3,436,929uy nexl=j fj;e;s fYaIhka 177 – – 177nexl=j, we;s ;ekam;= 17,588,445 – – 17,588,445jHq;amkak uQ,H WmlrK – – 4,740,106 4,740,106Kh iy w;a;sldrï 423,557,119 – – 423,557,119Kh WmlrK 522,973,159 24,988,614 4,037,045 551,998,818ysñlï WmlrK – 1,878,919 3,751,515 5,630,434

uQ,H j;alï tl;=j 967,555,829 26,867,533 12,528,666 1,006,952,028




15' .Kkh lrk ,o moku u; uQ,H WmlrKj, úYaf,aIKh îïnkaOhs&

15' ^we& iuQyh - 2018 îïnkaOhs&

l%uCIh msßjeh

re Z000

,dNd,dN uÕska

idOdrK w.hg

kï lrk ,o

re Z000

tl;=j

re Z000

j.lSï



ksl=;a l< Kh iq/l=ïm;a 52,389,133 – 52,389,133

uQ,H j.lSï tl;=j 997,328,986 1,533 997,330,518

15' ^we& iuQyh - 2017

l%uCIh msßjeh

re Z000

,dNd,dN uÕska

idOdrK w.hg

kï lrk ,o

re Z000

fjk;a úia;S¾K

wdodhï uÕska

idOdrK w.h

re Z000

tl;=j

re Z000

j;alï

uqo,a yd uqo,a iudkhka 3,853,989 – – 3,853,989uy nexl=j fj;e;s fYaIhka 94 – – 94nexl=j, we;s ;ekam;= 23,437,274 – – 23,437,274jHq;amkak uQ,H WmlrK – – 1,360,714 1,360,714Kh iy w;a;sldrï 374,416,626 – – 374,416,626Kh WmlrK 559,319,752 7,032,614 3,071,981 569,424,346ysñlï WmlrK – 2,357,336 4,441,951 6,799,287

uQ,H j;alï tl;=j 961,027,735 9,389,950 8,874,646 979,292,330

l%uCIh msßjeh

re Z000

,dNd,dN uÕska

idOdrK w.hg

kï lrk ,o

re Z000

tl;=j

re Z000

j.lSï


- ;ekam;alrejkag f.úhhq;= 737,212,640 – 737,212,640 - Kh iq/l=m;a ysñhkag f.úhhq;= – – – - fjk;a Kh .ekSï i|yd f.úhhq;= 17,545,212 – 17,545,212ksl=;a l< Kh iq/l=ïm;a 162,709,027 – 162,709,027

uQ,H j.lSï tl;=j 966,819,453 956,937 967,776,390




16 uqo,a yd uqo,a iudkhka

.sKqïlrK m%;sm;a;s

jákdlu fjkiaùu fkdjeo.;a yels ;rï jk wjodkulg hg;a w;e;s uqo,a" nexl=j, we;s ;ekam;=" flá oekqï §ulska ,nd.; yels uqo,a hkdÈh

uqo,a yd uqo,a iudkhka hkakg we;=<;ah' uqo,a yd uqo,aj,g iudkhka" uQ,H ;;a;ajh ms<sn| m%ldYfhys l%uCIh msßjefhka ydkslrKh wvqlr

olajhs' Y%S ,'uQ'jd'm%' 9 uQ,H WmlrK m%ldr nexl=j, we;s ;ekam;=" flá oekqï§ulska ,nd.; yels uqo,a ydkslrKhg hg;ah'

nexl=j iuQyh

foieïn¾ 31 Èkg 2018

re Z000

2017

re Z000

2018

re Z000

2017

re Z000

w;e;s uqo,a 699,401 944,759 699,411 944,769nexl=j, we;s fYaIhka 2,735,350 2,892,643 2,737,745 2,897,093flá oekqï §ulska wdmiq ,nd .;yels uqo,a – 12,224 – 12,224

o< tl;=j 3,434,750 3,849,627 3,437,155 3,854,086wvql<d - ydkslrKh (227) (97) (227) (97)

Y=oaO tl;=j 3,434,524 3,849,530 3,436,929 3,853,989

17 uy nexl=j fj;e;s fYaIhka

nexl=j iuQyh


re Z000

2017

re Z000

2018

re Z000

2017

re Z000

Y%S ,xld uy nexl=j fj;e;s jHdjia:dms; fYaIhka – – 177 94

tl;=j – – 177 94

18 nexl=j, we;s ;ekam;=

.sKqïlrK m%;sm;a;s

nexl=j iy iuQyh tys fláld,Sk ne|Sï l<ukdlrKh i|yd fhdojkq ,nk yd idOdrK w.h fjkiaùfï wjodku fkdie<lsh yels ;rï jk

nexl=j, we;s fláld,Sk ;ekam;= fï hg;g wh;a fõ' tajd uQ,H m%ldYhkays tajdfha kdñl w.hg fyda o< jákdlfuka ydkslrKh wvqlr

wjYH ;ekays olajd we;' wod< nexl=fõ ndysr fY%aKs.; lsÍï j,g wkqj Y%S ,'uQ'jd'm%' 9 uQ,H WmlrK m%ldr iuQyh úiska ydkslrK m%;smdok

.Kkh lr we;'




18' nexl=j, we;s ;ekam;= îïnkaOhs&

nexl=j iuQyh


re Z000

2017

re Z000

2018

re Z000

2017

re Z000

Y%SS ,xldfõ nexl= j, we;s ;ekam;=

,xld nexl=j 4,968,528 13,607,749 4,968,528 13,607,749uyck nexl=j – 27,509 – 27,509fldu¾I,a nexl=j 294,392 4,409,474 294,392 4,409,474cd;sl ixj¾Ok nexl=j 2,606,216 3,578,552 2,606,216 3,578,552fi,dka nexl=j 8,683,222 1,724,471 8,683,222 1,724,471ã t+*a iS iS nexl=j 633,275 90,350 633,275 90,350fld<U hqkshka nexl=j 405,834 – 405,834 –

o< tl;=j 17,591,466 23,438,104 17,591,466 23,438,104

wvql<d - ydkslrKh (3,021) (830) (3,021) (830)

Y=oaO tl;=j 17,588,445 23,437,274 17,588,445 23,437,274

19 jHq;amkak uQ,H WmlrK

.sKqïlrK m%;sm;a;s

fmd,S wkqmd;sl" uQ,H WmlrKj, ñ," fj<| øjH ñ," úfoaY úksuh wkqmd;sl" Kh wjodkï yd o¾Yl j, fjkiaùï u; w.h" ilia lr

.kakd uQ,H WmlrK" jHq;amkakhka fõ' bÈß /l=ï WmlrK f,i kï lr fkdue;s úg jHq;amkak fj<|du i|yd we;s f,i j¾.SlrKh

fjhs' iuQyh úiska fmd,S wkqmd;sl (Swaps) yd úfoaY úksuh bÈß .súiqï hkdÈ jHq;amkak Ndú;d lrkq ,nhs'

,dN fyda w,dN u.ska idOdrK w.hg jd¾;d l< jHQ;amkak

bÈß /l=ï WmlrK f,i Ndú; jk jHq;amkak yereKqúg fiiq jHq;amkak idOdrK w.hg jd¾;d lrk w;r" tlS idOdrK w.h Okd;aul jkafka

kï j;alï f,i i,lk w;r idOdrK w.h iDKd;aul jkafka kï j.lSï f,i ie,flhs' jHq;amkakj, idOdrK w.fha fjkiaùï" fj<|dï

lghq;= j,ska ,o Y=oaO wdodhïj,g we;=<;a fõ'

bÈß /l=ï WmlrK f,i Ndú; jHq;amkak

úfoaY úksuh wkqmd;sl fyda fmd,S wkqmd;sl iïnkaO wjodkï /l=ï.; lsÍu i|yd iuQyh úiska jHq;amkak .súiqï j,g t<fUhsss' fulS jHq;amkak

idOdrK w.hg ukskq ,nhs' bÈß /l=ï ld¾hCIu jk wjia:dj,È" idOdrK w.hg ukskq ,enQ jHq;amkak iy msßjehg$l%uCIh msßjehg ukskq

,nk uQ,H j;alï fyda j.lsï u.ska uQ,H m%ldYkh ;=< mek k.sk wiaa:djr Ndjh bj;a lsÍu i|yd iuQyh úiska bÈß /l=ï .sKqïlrK

fkd.e,mSï fhdod .kS'

uqo,a m%jdy bÈß /l=ï

jd¾;d lrkq ,nk iEu ld,iSudjla wjidkfha§u uqo,a m%jdy bÈß /l=ï idOdrK w.hg .Kkh lrkq ,nhs'

uqo,a m%jdy bÈß /l=ï f,i kï flfrk iy tfia kï lsÍug iqÿiq jk jHq;amkakhkays idOdrK w.fhys fjkialïj, iM, fldgi" uqo,a m%jdy

bÈß /l=ï idOdrK w.fha ,dN$w,dN hgf;a fjk;a úia;S¾K wdodhï hgf;a olajkq ,efí' tfia iM, fkdjk fldgilg wod< idOdrK w.fhys

lsishï ,dNhla fyda w,dNhla wdodhï m%ldYfhka tlajru y÷kd.kq ,efí'

bÈß /l=ï whs;u u.ska ,dNh fyda w,dNhg n,mEula we;s flfrk ld, iSudjkays § fjk;a úia;S¾K wdodhïys y÷kdf.k we;s iuqÉÑ; ,dN fyda

w,dN" wdodhï m%ldYhg kej; j¾.SlrKh lrkq ,nhs' flfia jqjo bÈß /l=ï.; mqfrdal:k .kqfokqj, m%;sM, f,i uQ,H fkdjk j;alï fyda

uQ,H fkdjk j.lSula y÷kd .efkk úg fjk;a úia;S¾K wdodhïys l,ska y÷kd.kakd ,o ,dN yd w,dN" ysñlï fj;ska bj;alr j;alfuys fyda

j.lSfuys uQ,sl msßjeh .Kkh lsÍfuys we;=<;a lrkq ,nhs'

bÈß /l=ï.; WmlrKhla l,a bl=;ajk úg fyda úl=Kkq ,nk úg fyda bÈß /l=ula ;jÿrg;a wod< .sKqïlrK ks¾kdhl iu. wkql+, fkdjk

úg wdodhï m%ldYfhys mqfrdal:k .kqfokqj y÷kd .efkk f;la ta jk úg fjk;a úia;S¾K wdodhïys y÷kdf.k we;s lsishï iuqÉÑ; ,dNhla

fyda w,dNhla ysñlï fj; r|jd .efkhs' mqfrdal:k .kqfokqjla ;jÿrg;a isÿ fj;ehs wfmaCId fkdlrk úg fjk;a úia;S¾K wdodhïys y÷kd.kq

,en we;s iuqÉÑ; ,dNh fyda w,dNh" tlajru wdodhï m%ldYhg kej; j¾.SlrKh lrkq ,nhs'




19' jHq;amkak uQ,H WmlrK îïnkaOhs&

19'1 jHq;amkak j;alï

nexl=j iy iuQyh

foieïn¾ 31 Èkg j;alï

2018

re Z000

kdñl jákdlu

2018

re Z000

j;alï

2017

re Z000

kdñl jákdlu

2017

re Z000

fmd,S wkqmd; jHq;amkak

úfoaY úksuh jHq;amkak

úksuh yqjudre lsÍï (SWAPS) - [igyka - ^19'2 î&] 4,740,106 45,551,031 1,360,064 28,106,213 úfoaY úksuh bÈß .súiqu – – 650 306,400

tl;=j 4,740,106 45,551,031 1,360,714 28,412,613

19'2 úfoaY úksuh yqjudre (SWAPS) 2013 iema;eïn¾ 18 Èk mia wjqreÿ úfoaY Kh .ekSula u.ska nexl=j we'fvd'ñ' 750 la /ialr f.k we;s w;r thg tfrysj Y%S ,xld uy nexl=j

iu. jd¾Islj iy udislj w¨;a lsÍfï moku u; ms<sfj,ska we'fvd'ñ' 183'425 la iy we'fvd'ñ' 187'5 la jk yqjudre .súiqï follg t<U we;'

2014 iema;eïn¾ 10 Èko mia wjqreÿ úfoaY Kh .ekSula u.ska nexl=j ;j;a we'fvd'ñ' 250 la /ialr f.k we;s w;r thg tfrysj Y%S ,xld uy

nexl=j iu. udislj w¨;a lsÍfï moku u; we'fvd'ñ' 249'31 la jk yqjudre .súiqulg t<U we;'

yqjudre .súiqfuys wruqK jkqfha Y%S','re'$we'fvd' yqjudre wkqmd;sl fjkiaùï u; by; úfoaY úksuh Kh iïnkaOfhka mek ke.sh yels

wjodku /l=ï.; lsÍuhs'

yqjudre .súiqï (SWAPS) ms<sn| flá úia;rhla my; oelafõ'

19'2 ^w& yqjudre .súiqï (SWAPS) 1

úia;r bÈß /l=fuys úia;r

bÈß /l=ï WmlrK yqjudre .súiqï - 1 2018 iema;eïn¾ 12 jk Èk we'fvd'ñ,shk

183'425 yqjudre .súsiqu wjika úh'

bÈß /l=ï.; whs;u mia wjqreÿ we'fvd'ñ' 750 fcHIaG ne÷ïlrh

^w¾O jd¾Islj f.úh hq;= fmd,sh iu.& 2018

iema' 18 Èk uq,a uqo, uq¿ukska f.jk ,§'

uqo,a m%jdy we;sfõ hehs n,dfmdfrd;a;= jk ld,mßÉfPaoh yqjudre .súiqï - 1 wjika úh'

j¾Ih ;=< fjk;a úia;S¾K wdodhï ys y÷kd.;a w.h yqjudre .súiqï - 1

yqjudre .súiqï - 1

wjika úh'

Y%S','re'ñ' 291'924 la uqo,a m%jdy bÈß /l=ï

ixÑ;hg yr lrk ,§'

2018 foieïn¾ 31 Èkg bÈß /l=ï.; whs;uj, idOdrK w.h fkdue;

2018 foieïn¾ 31 Èkg bÈß /l=ï.; WmlrKj, idOdrK w.h yqjudre .súiqï - 1 fkdue;

óg fmr bÈß /l=ï WmlrK .sKqïlrKh lrk ,o tfy;a th isÿùu

;jÿrg;a wfmaCId fkdlrk mqfrdaal:kh lrk ,o .kqfokq

fkdue;

ld,mßÉfPaoh ;=< ysñlï j,ska ,dN fyda w,dN jYfhka

kej; j¾.SlrKh l< jákdlu

fkdue;




19' jHq;amkak uQ,H WmlrK îïnkaOhs&

19'2 ^wd& yqjudre .súiqï (Swaps) 3

úia;r bÈß /l=fuys úia;r

bÈß /l=ï WmlrK yqjudre .súiqï m%;smd¾Yajh - Y%S ,xld uy nexl=j

ld,amksl w.h - we'fvd'ñ,shk 249'31

uq¿ úfoaY Kh uqo,ska 99'72]

wê ñ,g we'fvd'ñ,shk 249'31 l ld,amksl w.hla

i|yd nexl=j úiska uy nexl=j iu. by; .súiqu

2018 ckjdß 25 jk Èk w¨;a lrk ,§'

bÈß /l=ï.; whs;u mia wjqreÿ we'fvd'ñ' 250 fcHIaG ne÷ïlrh ^w¾O

jd¾Islj f.úh hq;= fmd,sh iu.& uq,a uqo, 2019

iema;eïn¾ 10 Èk uq¿ukska wdmiq f.úh hq;=h'

uqo,a m%jdy we;sfõ hehs n,dfmdfrd;a;= jk ld,mßÉfPaoh jd¾Islj

j¾Ih ;=< fjk;a úia;S¾K wdodhï ys y÷kd.;a w.h fkdue;

2018 foieïn¾ 31 Èkg bÈß /l=ï.; whs;uj, idOdrK w.h re' ñ,sshk 45,677.1

2018 foieïn¾ 31 Èkg bÈß /l=ï.; WmlrKj, idOdrK w.h fkdue;

óg fmr bÈß /l=ï WmlrK .sKqïlrKh lrk ,o tfy;a

th isÿùu ;jÿrg;a wfmaCId fkdlrk mqfrdaal:kh lrk ,o

.kqfokq

fkdue;

j¾Ih ;=< ysñlï j,ska ,dN fyda w,dN jYfhka kej;

j¾.SlrKh l< w.h

fkdue;

19'2 ^we& úksuh yqjudre ysñlï j,g wod<j fjk;a úia;S¾K wdodhïys y÷kd.kq ,enQ jákdlu

nexl=j iuQyh


re Z000

2017

re Z000

2018

re Z000

2017

re Z000

yqjudre .súiqï - 01 (291,924) 290,074 (291,924) 290,074




20 ,dN$w,dN uÕska y÷kd.;a uQ,H j;alï

.sKqïlrK m%;sm;a;s

uQ,H j;alula m%Odk jYfhka w;am;a lrf.k we;af;a kqÿre ld,fha§ úlsKSfï fyda m%;sñ<§ .ekSfï wruqKska fyda fláld,S ,dNdfmaCIdjka tlaj

l<ukdlrKh lrkq ,nk wdfhdack l<Ul fldgila f,i r|jd ;ndf.k we;s úg fyda idOdrK w.hg jd¾;d lr we;s úg tajd ,dNh$w,dNh

u.ska y÷kd.kq ,enQ uQ,H j;alula f,i j¾.SlrKh lrkq ,efí' bÈß /l=ï .súiqï hgf;a bÈß /l=ï WmlrK f,i kï fkdlrk ,o jHq;amkak

uQ,H WmlrK o fuu ldKavhg we;=<;a fõ' Y%S ,'uQ'jd'm%' 9 - uQ,H WmlrK wkqj fjk;a úia;S¾K wdodhï u.ska idOdrK w.hg fyda l%uCIh

msßjehg ukskq ,nkafka kï yer uQ,H j;alï ,dNh$w,dNh u.ska idOdrK w.hg ukskq ,nhs'

,dNh$w,dNh yryd yªkd.kq ,nk uQ,H j;alï"" uQ,H ;;a;ajh ms<sn| m%ldYfhys idOdrK w.hg jd¾;d lrkq ,nhs' idOdrK w.fhys fjkiaùï"

fj<|dï lghq;= j,ska ,o Y=oaO ,dN$w,dN hgf;a y÷kd.kq ,nk w;r .súiqïj, fldkafoais m%ldr fyda f.ùï isÿ lsÍfï whs;sh ia:dms; jQ fmd,S

wdodhï yd úhoï Y=oaO fmd,S wdodhfuys jd¾;d lrhs' ,dNdxY wdodhu yd Wm,íê ,dN$w,dN fj<|dï lghq;=j,ska ,o Y=oaO ,dN$w,dN hgf;a

jd¾;d flfrhs'

kqÿre ld,fha§ úlsKSug we;s wfmaCIdj ;j ÿrg;a wod< jkafka oehs ;srKh lsÍug iuQyh úiska jHq;amkakhka fkdjk ,dNh$w,dNh u.ska

yªkd.;a uQ,H j;alï w.hkq ,nhs' il%Sh fj<|m<la fkdue;sùu fya;=fldg f.k fuu uQ,H j;alï fj<|dï lsÍug wfmdfydi;a jkúg iy

kqÿre wkd.;fha§ tajd úlsKSu i|yd jk l<ukdlrK wfmaCIdj ie,lsh hq;= f,i fjkia ù we;s úg" iuQyhg b;d úr, wjia:djkays § muKla

fuu uQ,H j;alï kej; j¾.SlrKh i|yd i,ld ne,sh yelsh'

nexl=j iuQyh


re Z000

2017

re Z000

2018

re Z000

2017

re Z000

idOdrK w.hg .Kkh l<

Y%SS ,xld rdcH iq/l=ïm;a

NdKavd.dr ì,am;a – – 661,361 499,798 NdKavd.dr ne÷ïlr 14,801,463 4,114,978 24,327,253 6,532,816

ysñlï iq/l=ïm;a [fhduqj igyk 20 ^wd&] 1,878,919 2,357,336 1,878,919 2,357,336

Wm tl;=j 16,680,382 6,472,314 26,867,533 9,389,950idOdrK w.hg .Kkh l< – – – –

tl;=j 16,680,382 6,472,314 26,867,533 9,389,950

20' ^w& úYaf,aIKh

nexl=j iuQyh


re Z000

2017

re Z000

2018

re Z000

2017

re Z000

iq/l=ïlrKh ;=<ska

iq/l=ï f,i .súisk ,o – – 9,595,990 2,848,477 ;nd fkdue;s 16,680,382 6,472,314 17,271,543 6,541,473

o< tl;=j 16,680,382 6,472,314 26,867,533 9,389,950

jHjydr uqo,a jYfhka

YS%%S ,xld remsh,a 16,680,382 6,472,314 26,867,533 9,389,950 wefußldkq fvd,¾ – – – –

o< tl;=j 16,680,382 6,472,314 26,867,533 9,389,950




20' ,dN$w,dN uÕska y÷kd.;a uQ,H j;alï îïnkaOhs&

20' ^wd& ysñlï iq/l=ïm;a ^kss, ,ehsia;=.;& - nexl=j yd iuQyh

foieïn¾ 31 Èkg 2018 2017

fldgia

.Kk

msßjeh

re Z000

fjf<| w.h

re Z000

fldgia

.Kk

msßjeh

re Z000

fjf<| w.h

re Z000

1' nexl= rlaIK iy uQ,H lafIa;%h

fldu¾I,a nEkala T*a isf,daka mSt,aiS 991,418 139,295 114,013 485,180 76,303 65,245fldu¾I,a nEkala T*a isf,daka mSt,aiS

^Pkaoh rys;& 273,294 33,862 25,963 268,731 33,862 27,901ã t*aa iS iS nexl=j 430,000 85,787 39,990 430,000 85,787 52,723yegka keIk,a nexl=j ^Pkaoh rys;& 287,649 49,599 48,469 284,964 49,599 54,946,xld Tßlaia ,Sisx iud.u 2,860 323 257 28,060 3,171 3,191t,a ´ t,a iS *sskEkaia mSt,aiS 4,550,000 50,340 15,470 4,550,000 50,340 17,096iïm;a nexl=j ^Pkaoh rys;& 534,925 142,425 125,707 128,723 31,222 40,106hqkshka nEkala mSt,aiS 245,000 6,009 2,695 245,000 6,009 3,174

507,640 372,564 336,293 264,382

2' wdydrmdk iy ÿïfld< lafIa;%h

ld.s,aia isf,daka mSt,aiS – – – 114,320 21,003 22,608

21,003 22,608

3' ridhksl yd T!IO lafIa;%h

iS whs iS fyda,aäka.aia mSt,aiS 135,839 15,558 5,379 135,839 15,558 8,959iS whs iS fyda,aäka.aia mSt,aiS ^Pkaoh rys;& 13,700 1,183 411 13,700 1,183 704fyaldí mSt,aiS 447,211 83,786 58,137 447,211 83,786 64,341

100,527 63,927 100,527 74,004

4' bÈlsÍï yd bxcsfkare lafIa;%h

welafiia bkacskshßka mSt,aiS 3,470,023 132,692 48,927 3,470,023 132,692 80,975l,ïnq fvdlahd¾â mSt,aiS 1,234,706 275,603 68,650 1,234,706 275,603 107,193

408,295 117,577 408,295 188,168

5' úúOdx.lD; lafIa;%h

thssÜlka iafmkaia mSt,aiS 2,493,516 294,681 119,190 2,593,516 306,499 138,738n%jqkaia bkafjiaÜukaÜ mSt,aiS 13,017,669 65,088 24,734 14,367,669 71,838 36,938isf,daka ;shg¾ia fyda,aäka.aia mSt,aiS 10,133 802 1,728 74,585 13,073 13,282fya,Sia mSt,aiS 123,026 41,512 23,006 123,026 41,512 29,196fyaudia fyda,aäka.aia mSt,aiS 650,000 69,656 57,720 – – –fcdaka lS,aia fyda,aäka.aia mSt,aiS 1,039,610 174,244 166,026 2,660,190 465,818 391,140ßp¾â mSßia wekaâ lïmks mSt,aiS 6,463,907 60,911 67,871 6,463,907 60,911 82,450je,sn,a jka mSt,aiS 3,269,832 75,511 55,587 3,143,693 72,975 55,020

782,405 515,862 1,032,626 746,764





20' ^wd& ysñlï iq/l=ïm;a ^kss, ,ehsia;=.;& - nexl=j yd iuQyh îïnkaOhs&

foieïn¾ 31 Èkg 2018 2017

fldgia

.Kk

msßjeh

re Z000

fjf<| w.h

re Z000

fldgia

.Kk

msßjeh

re Z000

fjf<| w.h

re Z000

6' fydag,a yd ixpdrl lafIa;%h

taIshka fydfg,aia wekaâ fm%dmàia mSt,aiS 1,366,132 106,609 58,607 1,366,132 106,609 71,324thsÜlka iafmkaia fydfg,a fyda,aäka.aia mSt,aiS 2,102,133 188,903 56,759 2,102,133 188,903 61,110isf,daka fydfg,aia fldamf¾Ika mSt,aiS 3,975,017 128,776 47,700 3,975,017 128,776 62,888fcdaka lS,aia fydfg,aia mSt,aiS 5,541,205 103,475 43,221 5,541,205 103,475 48,216,hsÜ yjqia fydfg,aia mSt,aiS 1,175,667 71,492 34,330 1,175,667 71,492 52,080uyje,s ÍÉ fydfg,aia mSt,aiS 133,300 4,884 1,733 133,300 4,884 2,373udrú, ßfidaaÜia mSt,aiS 699,556 5,915 1,259 1,900 16,063 3,569lska.aianß mSt,aiS 2,871,666 65,038 43,649 4,669,876 105,764 62,337fcÜúka.a isï*ks ,sñgâ 1,300,000 19,500 15,600 1,300,000 19,500 19,500

694,592 302,858 745,466 383,397

7' wdfhdack Ndr

f¾Kqld fyda,aäka.aia mSt,aiS ^Pkaoh rys;& 466,438 11,307 6,857 466,438 11,307 8,302

11,307 6,857 11,307 8,302

8' bvï iy foam< lafIa;%h

´j¾iSia ßhe,sáîsf,daka& mSt,aiS 943,473 23,777 15,567 943,473 23,777 16,419

23,777 15,567 23,777 16,419

9' ksIamdok lafIa;%h

àfÊ ,xld mSt,aiS 425,429 14,110 13,826 40,095 1,480 1,348,xld firñla mSt,aiS 89,191 12,069 11,675 89,191 12,069 13,229frdah,a firñlaia ,xld mSt,aiS 1,748,679 221,888 130,452 1,748,679 221,888 197,981fgdalsfhda isfukaÜ lïmks ^,xld& mSt,aiS 688,992 29,030 17,363 688,992 29,029 44,964fgdalsfhda isfukaÜ lïmks^,xld&mSt,aiS

^Pkaoh rys;& 611,060 22,602 14,054 611,060 22,602 35,649

we¨fulaia mSt,aiS 121,295 2,074 1,637 16,150 277 294

301,773 189,007 287,345 293,465

10' n,Yla;s lafIa;%h

ßiia tk¾cs mSt,aiS – – – 203,341 4,653 3,639

t,a ù t,a tk¾cs *kaâ mSt,aiS 4,606,600 46,066 38,695 4,606,600 46,066 46,066

46,066 38,695 50,719 49,705





20' ^wd& ysñlï iq/l=ïm;a ^kss, ,ehsia;=.;& - nexl=j yd iuQyh îïnkaOhs&

foieïn¾ 31 Èkg 2018 2017

fldgia

.Kk

msßjeh

re Z000

fjf<| w.h

re Z000

fldgia

.Kk

msßjeh

re Z000

fjf<| w.h

re Z000

11' úÿ,s ixfoaY fiajd lafIa;%h

vhf,d.a welaishdgd mSt,aiS 3,738,360 81,332 37,757 3,790,960 94,332 49,105

81,332 37,757 94,332 49,105

12' fj<| lafIa;%h

n%jqkaia iy iud.u mSt,aiS 985,000 315,149 60,085 985,000 315,149 77,820

315,149 60,085 315,149 77,820

13' tall Ndr

fldïg%iaÜ blaúá *kaâ 556,793 10,000 9,869 556,793 10,000 11,139iS nEkala hqksÜ g%iaÜ 7,604,797 85,110 148,294 7,604,797 85,110 172,058

95,110 158,163 95,110 183,197

tl;=j 3,367,973 1,878,919 3,521,949 2,357,336

21 l%uCIh msßjeh u; uQ,H j;alï - Kh yd w;a;sldrï

.sKqïlrK m%;sm;a;s

Kh yd nexl=jg ,eìh hq;= my; oE yer il%Sh fj<|m<l ñ, m%ldY lr fkdue;s ia:djr fyda ksYaph l<yels f.ùï iys; jHq;amkak fkdjk

uQ,H j;alï wh;a fõ'

iuQyh úiska jydu fyda kqÿre ld,fha§ úlsKSug wfmaCIs; fyda uQ,sl y÷kd .ekSfï§ ,dN fyda w,dN u.ska idOdrK w.hg

kï l< oE'

iuQyh úiska uQ,sl y÷kd .ekSfï§ fjk;a úia;S¾K wdodhï u.ska idOdrK w.hg uksk ,o uQ,H j;alï f,i kï l, oE

Kh bl=;aùu fya;=fjka yereKqfldg iuQyhg tys uQ,sl wdfhdackh m%udKj;a f,i uq¿ukskau kej; whlr.; fkdyels oE

Kh yd nexl=jg ,eìh hq;= hkakg nel=j,ska ,eìhhq;= jákdlï wh;a fõ' uQ,sl .Kkh lsÍï j,ska wk;=rej Kh yd ,eìh hq;== oE" iM, fmd,S

wkqmd;sl Ndú; lrñka w.h wvqùu i|yd m%;smdok ;nñka l%uCIh msßjehg .Kkh lrkq ,nhs' l%uCIh msßjehg .Kkh lrkq ,nkafka iM,

fmd,S wkqmd;slfhys ixl,s; fldgila jk .dia;= iy msßjeh yd w;am;a lr .eksfï§ w;ajk lsishï jÜgula fyda wêñ,la ie,ls,a,g .ekSfuks'

wdodhï m%ldYfha fmd,S wdodhï hg;g l%uCIh wka;¾.; fõ' ydkslrKh u.ska Woa.;jQ w,dN wdodhï m%ldYfhys 'Kh iy wfkl=;a w,dN

ydkslrK' hgf;a jd¾;d lrkq ,nhs'

2018 ckjdß ui 01 Èk isg my; i|yka fldkafoais oaú;ajhg wod, jk wjia:dj,§ nexl=j úiska Kh yd w;a;sldrï l%uCIh msßjehg muKla

ukskq ,nhs'

.súiqï.; uqo,a m%jdy /ialsÍu msKsi uQ,H j;alï r|jd .ekSfï wruqK we;sj jHdmdßl wdlD;shla ;=< uQ,H j;alï r|jd .kq ,nhs'

uQ,H j;alï j, .súiqï.; kshuhka u.ska f.úhhq;= —uq,a uqo, u; fmd,sh yd uq,a uqof,ys mQ¾K f.ùï˜ (SPPI) i|yd uQ,H m%jdy

ksYaÑ; Èkj, t<fò'

jHdjdßl wdlD;sfhys úia;r msgq wxl 264 ys olajd we;s igyka wxl 2'5'1'4'1 yd 2'5'1'4'2 ys oelafõ'




21' l%uCIh msßjeh u; uQ,H j;alï - Kh yd w;a;sldrï îïnkaOhs&

nexl=j iuQyh


re Z000

2017

re Z000

2018

re Z000

2017

re Z000

o< Kh yd w;a;sldrï

ydkslrKh fkdjk Kh 28,819,417 28,589,141 28,844,390 27,302,037 1 wÈhr 385,683,843 340,653,973 385,683,843 340,653,973 2 wÈhr 6,470,038 3,988,238 6,470,038 3,988,238 3 wÈhr 6,405,157 5,207,152 6,405,157 5,207,152

o< Kh yd w;a;sldrï 427,378,455 378,438,504 427,403,428 377,151,400

wvql<d - my; mßÈ iuqÉÑ; ydkslrKh

1 wÈhr 1,610,731 1,127,166 1,610,731 1,127,166 2 wÈhr 272,348 128,432 272,348 128,432 3 wÈhr 1,963,230 1,479,175 1,963,230 1,479,175

uq¿ ydkslrKh 3,846,309 2,734,773 3,846,309 2,734,773Y=oaO Kh yd w;a;sldrï 423,532,145 375,703,730 423,557,119 374,416,626

21' ^w& ksuejqï wkqj úYaf,aIKh

nexl=j iuQyh


re Z000

2017

re Z000

2018

re Z000

2017

re Z000

ksuejqï wkqj

fjf<| uQ,H – – – –Y%S ,xld uy nexl= NdKavd.dr ì,am;a – – – –l,a nÿ l=,S yd ,eìh hq;= oE – – – –Wlia 30,530,726 23,874,051 30,530,726 23,874,051fiajl uKav, Kh 6,103,442 5,057,767 6,103,442 5,057,767

ld,Sk Kh

flá ld,Sk 6,080,407 1,458,560 6,080,407 1,458,560È.= ld,Sk 380,231,640 340,380,153 380,231,640 340,380,153

fjk;a

Y%S ,xld rcfha iq/l=ïm;a – – – –rchg Kh ,nd§ï 2,075,000 2,075,000 2,075,000 2,075,000m%;súl=Kqï .súiqï hgf;a ñ,§ .;a iq/l=ïm;a 2,357,240 5,592,973 2,382,213 4,305,869

o< tl;=j 427,378,455 378,438,504 427,403,428 377,151,400





21' ^wd& jHjydr uqo,a jYfhka úYaf,aIKh

nexl=j iuQyh


re Z000

2017

re Z000

2018

re Z000

2017

re Z000

jHjydr uqo,a jYfhka

Y%S ,xld remsh,a 408,075,240 350,356,753 408,100,213 349,069,649weußldkq fvd,¾ 19,303,215 28,081,751 19,303,215 28,081,751

o< tl;=j 427,378,455 378,438,504 427,403,428 377,151,400

21' ^we& l¾udka; jYfhka úYaf,aIKh

nexl=j iuQyh


re Z000

2017

re Z000

2018

re Z000

2017

re Z000

l¾udka; jYfhka

lDIsld¾ñl iy ëjr 20,817,480 14,990,754 20,817,480 14,990,754ksIamdok – – – –ixpdrl 38,746 49,042 38,746 49,042m%jdyk 1,356,593 1,040,305 1,356,593 1,040,305bÈlsÍï$ksjdi 116,223,402 107,478,175 116,223,402 107,478,175jdKsc – – – –kj wd¾:slh – – – –

fjk;a

uQ,H yd jHdmdßl fiajd 26,413,837 27,452,914 26,413,837 27,452,914há;, 76,286,787 76,080,169 76,286,787 76,080,169n,Yla;s 6,801,197 8,525,567 6,801,197 8,525,567wOHdmkh 36,362,632 31,844,099 36,362,632 31,844,099

mqoa.,sl$Wlia$fjk;a 143,077,781 110,977,478 143,102,754 109,690,374

o< tl;=j 427,378,455 378,438,504 427,403,428 377,151,400

21' ^wE& j¾Ih ;=< ydkslrKhkaf.a fjkiaùï

.sKqïlrK m%;sm;a;s

flaj, ydkslrK we.hSu

l%uCIh msßjehg mj;sk ^nexl=j,ska whúh hq;= uqo,a" .kqfokqlrejkag ,nd ÿka Kh yd ,eìh hq;= oE fukau l,a msfrk f;la ord isák

wdfhdack jeks& uQ,H j;alï iïnkaOfhka" fjka fjkaj .;aúg fyda iduQyslj .;aúg ie,lsh hq;= uQ,H j;alïj, ydkslrKh ms<sn| fyda fjka

fjkaj .;aúg ie,lsh hq;= fkdjk uQ,H j;alï j, ydkslrKh ms<sn| úIhh uQ,sl idlaIs we;aoehs iuQyh úiska m<uqj we.hSula isÿlrkq ,nhs'

fjka fjkaj we.hSula isÿlrk ,o uQ,H j;alïj, ydkslrKh iïnkaOfhka úIh uQ,sl idlaIs fkdue;s njg iuQyh ;SrKh lrkafka kï tlS

j;alï iudk Kh wjodkï ,CIK iys; uQ,H j;alï lKavdhulg we;=,;a lr" ta ish,a,u ydkslrKh ms<sn| iduQysl we.hSulg ,la lrhs'




fjka fjka jYfhka ydkslrKh iïnkaOj l< we.hSfï§ ydkslrKh ms<sn| w.h wvqùï we;s njg fyda È.gu mj;sk njg y÷kd .kakd uQ,H

j;alï fulS iduQysl we.hSug fhdod fkd.kS'

ydkslrKhla isÿqù we;s njg úIh uq,sl idCIs we;akï" j;alfuys OdrK w.h iy ;lafiare l< wkd.; uQ,H m%jdyfhys j;auka w.h ôekg we;s

fkdjqKq wkd.;fha§ we;s úh yels njg wfmalaIs; Kh mdvq yereKq fldg& w;r fjki wkqj tlS w,dNh ukskq ,nhs' j;alfuys OdrK w.h

.e,mSu .sKqula u.ska wvq lrkq ,nk w;r" wdodhï m%ldYfhys tu w,dNh jd¾;d lrkq ,nhs' ydkslrKh jkakd jQ w,dN .Kkh lsÍfï wruqK

i|yd wkd.; uqo,a m%jdy jÜgï lsÍug fhdod.;a fmd,S wkqmd;h Ndú;d lrñka j;alfuys wvql< OdrK w.h u; fmd,S wdodhu fkdlvjd WmÑ;

lsÍu isÿ lrhs' 'fmd,S iy iudk wdodhïys' fldgila f,i fmd,S wdodhu jd¾;d flfrhs'

weia;fïka;= lrk ,o wkd.; uQ,H m%jdyhkays j;auka w.h uQ,H j;alfuys uq,a iM, fmd,S wkqmd; u; jÜgï lrkq ,nhs¡ hï Kh uqo,l fmd,S

wkqmd;h úp,H kï" ydkslrK w.h .Kkh lsÍu i|yd j;auka iM, fmd,S wkqmd;h fhdod .kS' iuQyh úiska .kqfokq l< yels j;alï" Kh

yd ,eìh hq;= oE f,i kej; j¾.SlrKh lr we;akï ydkslrK w,dN .Kkh lsÍu i|yd fhdod .kafka kej; j¾.SlrK Èkfha§ ;SrKh lrkq

,nk kj iM, fmd,S wkqmd;hhs' iq/l=ï jYfhka ;nk ,o uQ,H j;alïj, weia;fïka;= .; wkd.; uqo,a m%jdy j¾;udk jákdlug .Kkh

lsÍfï§ tu Wlia ;nk ,o foam< úlsKSug yels fyda fkdyels jqjo" wod< uqo,a m%jdyfhka ;SrKh jkafka tu iq/l=ï ,nd.ekSfï yd úlsKSfï

msßjeh wvql< jákdluh¡

wkd.;fha§ h<s whlr .;yels njg h:d¾;jd§ woyila fkdue;súg iy ish¨ iqrlaIs;hka Wm,íê ù we;s úg fyda iuQyhg udrelr we;s úg

Kh Bg wkqnoaO .e,mSï u.ska ,shd yeÍu isÿlrkq ,efí' miqld,Sk j¾Ihl§ ydkslrKh i|yd wod< .e,mSï isÿlsÍfuka miq isÿjQ isoaêhla ksid

;lafiare lrk ,o ydkslrK w,dNh by< hdula fyda my< hdula isÿjqjfyd;a .e,mqï .sKqu .,md óg fmr y÷kd.;a ydkslrK mdvqj jeälsÍu

fyda wvqlsÍu isÿ lrkq ,nhs' wkd.;fha§" ,shdyßk ,o ydkslrKhka wh lr .kq ,enqjfyd;a th Kh w,dN úhoï fj; ner lrkq ,nhs'

iduQysl ydkslrK we.hSu

fjka fjkaj w.hkq ,nk uQ,H j;alula iïnkaOfhka ydkslrKh ms<sn| úIh uQ,sl idCIs fkdue;s njg iuQyh úiska ;SrKh lrkq ,enqjfyd;a

iudk Kh wjodkï .=Kdx. mj;sk uQ,H j;alï iys; ldKavhl j;alula f,i tu uQ,H j;alu we;=<;a lr ydkslrKh iïnkaOfhka iduQyslj

we.hSug ,la lrkq ,efí'

ydkslrKh ms<sn|j iduqyslj w.hkq ,nk uQ,H j;alï ldKavhl wkd.; uQ,H m%jdy ;lafiare lrkqfha ldKavfha j;alï j,g iudk Kh

wjodkï ,laIK iys; j;alï j, w;S; w,dN w;aoelSï u; mokï fjñks' wkd.; uQ,H m%jdyhkays ;lafiare l< fjkiaùï" jißka jir

ksÍlaIKh l< yels wka;j,g" iïnkaO fjkiaùï ^ú/lshd wkqmd;" foam< ñ," mdßfNda.sl NdKav ñ," f.ùfï ;;a;ajhka fyda ldKavhg we;s jQ

w,dN yd tajdfha m%udKh olajk fjk;a lreKq wdÈfha fjkiaùï& ms<sìUq lrhs' ;lafiare lrk ,o w,dN yd i;H w,dN w;aoelSï w;r fjkialï

wju lsÍu i|yd wkd.; uQ,H m%jdy ;lafiare lsÍu i|yd fhdo.kq ,nk l%ufõo yd Wml,amk ksr;=rej iudf,dapkh flfrhs'

Kh yd ,eìh hq;= oE lmd yeÍu

Y%S ,'.s'm%'39 hgf;a jQ nexl=fõ .sKqïlrK m%;sm;a;s Y%S ,'uQ'jd'm%' 9 hgf;ao tf,iu mj;S' whlrjd .ekSug yels iEu mshjrlau f.k wjika jQ

miqj iy wdmiq Kh whlr .ekSfï h:d¾:jd§ miqìla fkdue;s wjia:dj,§ idudkHfhka uq¿ukskau fyda w¾O jYfhka Kh lmd yßkq ,efí'

Kh i|yd iq/l=ï we;s úg idudkHfhka iq/l=ï Wm,íêfhka uqo,a ,eîfuka miq lrkq ,efí' lmd yeßh hq;= §ukdj iuqÉÑ; w,dN §ukdj jvd

jeäjk wjia:djl§ tlS fjki" §ukdjg tla úhhq;= tl;=jla f,i m<uqj i,lkq ,nk w;r wk;=rej o< OdrK w.hg tfrysj fhdod.kq ,efí'

lmdyeÍula miqj yªkd.; fyd;a th fjk;a fufyhqï wdodhug ner flfrhs'


21' ^wE& j¾Ih ;=< ydkslrKhkaf.a fjkiaùï îïnkaOhs&




iq/l=ï ;lafiarelrKh

uQ,H j;alïj, wjodku wju lr .ekSu msKsi iuQyh úiska yels wjia:dj,§ iq/l=ï Wmfhda.S lr.kq ,nhs' uqo,a" r;arka" rdcH iq/l=ïm;a hkd§

úúO iajrEmfhka iq/l=ï mj;shs' fuf,i iq/l=ï f,i r|jd.kq ,nk uQ,H j;alï wd.Kkh lsÍu i|yd nexl=j úiska yels;dla ÿrg il%Sh

fj<|m< o;a; Wmfhda.S lr .kq ,nhs'

ydkslrK m%;sm;a;s ms<sn| úia;r msgq wxl 269 ys igyka wxl 2'5'2 u.ska oelafõ'

nexl=j iuQyh


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1 wÈhr

ckjdß 01 Èkg fYaIh 1,127,166 1,025,110 1,127,166 1,025,110wdodhï m%ldYhg .e,mSu 483,565 102,056 483,565 102,056j¾Ih ;=< lmdyeÍï – – – –fjk;a ixp,k – – – –

foieïn¾ 31 Èkg fYaIh 1,610,731 1,127,166 1,610,731 1,127,166

2 wÈhr

ckjdß 01 Èkg fYaIh 128,432 111,702 128,432 111,702wdodhï m%ldYhg .e,mSu 143,916 16,730 143,916 16,730j¾Ih ;=< lmdyeÍï – – – –fjk;a ixp,k – – – –

foieïn¾ 31 Èkg fYaIh 272,348 128,432 272,348 128,432

3 wÈhr

ckjdß 01 Èkg fYaIh 1,479,175 968,868 1,479,175 968,868wdodhï m%ldYhg .e,mSu 503,642 636,971 503,642 636,971j¾Ih ;=< lmdyeÍï (19,587) (126,664) (19,587) (126,664)fjk;a ixp,k – – – –

foieïn¾ 31 Èkg fYaIh 1,963,230 1,479,175 1,963,230 1,479,175

21' ^b& l,anÿ l=,S ,eîï

l,anÿ l=,S ,eîï hgf;a fy<sorõ lsÍug lsisÿ whs;shla fkdue;'


21' ^wE& j¾Ih ;=< ydkslrKhkaf.a fjkiaùï îïnkaOhs&




22 l%uCIh msßjeh u; uQ,H j;alï - Kh yd fjk;a WmlrK

.sKqïlrK m%;sm;a;s

iuQyhg l,amsÍu f;la r|jd .ekSug woyia lrk yd yelshdj ;sfnk l%uCIh msßjeh - Kh .Kkh lrk uQ,H j;alï yd fjk;a WmlrK ksYaÑ;

l,amsÍï iSud yd ksYaÑ;j ;SrKh l< yels f.ùï iSud iu. jHq;amkak fkdjk uQ,H j;alï uQ,sl ñkSfuka wk;=rej l%uCIh msßjeh - Kh

.Kkh lrk uQ,H j;alï yd fjk;a WmlrK" iM, fmd,S wkqmd;sl fhdod .ksñka ydkslrKh wvqlr l%uCIh msßjehg ukskq ,nhs' iM, fmd,S

wkqmd;slfhys w;Hka; fldgila jk w;am;a lr .ekSfuys,d wod< jdßl iy .dia;= fyda jÜgï ie,ls,a,g .ksñka l%uCIh msßjehg .Kkh

lrkq ,nhs' wdodhï m%ldYfhys fmd,S yd iudk wdodhï ys l%uCIh we;=<;a fõ' tjka wdfhdack j,ska mek k.sk ydkslrKh wdodhï m%ldYfhys

ydkslrK .dia;= hgf;a y÷kd .efkhs'

nexl=j iuQyh


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Y%S ,xld rdcH iq/l=ïm;a

NdKavd.dr ì,am;a 21,005,363 35,115,115 21,005,363 35,115,115NdKavd.dr ne÷ïlr 484,786,616 450,001,836 488,460,612 453,653,149Y%S ,xld ixj¾Ok ne÷ïlra 178,560 59,156,126 178,560 59,156,126

wdh;ksl Kh WmlrK 7,653,898 7,813,406 8,005,137 8,013,326Ndrldr iy;slm;a 5,332,605 3,653,603 5,332,605 3,653,603

o< tl;=j 518,957,041 555,740,085 522,982,276 559,591,319wvql<d - ydkslrKh (9,072) (271,467) (9,117) (271,567)

Y=oaO tl;=j 518,947,969 555,468,618 522,973,159 559,319,752

22' ^w& úYaf,aIKh

nexl=j iuQyh


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2017

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iq/l=ïlrKh u.ska

iq/l=ï f,i .súisk ,o 69,160,408 48,382,000 72,546,833 51,689,909 ;nd fkdue;s 449,796,633 507,358,085 450,435,443 507,901,410

o< tl;=j 518,957,041 555,740,085 522,982,276 559,591,319

jHjydr uqo,a jYfhka

YS%%S ,xld remsh,a 518,778,481 496,583,959 522,803,716 500,435,193 wefußldkq fvd,¾ 178,560 59,156,126 178,560 59,156,126

o< tl;=j 518,957,041 555,740,085 522,982,276 559,591,319




22' l%uCIh msßjeh u; uQ,H j;alï - Kh yd fjk;a WmlrK îïnkaOhs&

22' ^wd& j¾Ih ;=< ydkslrK ixp,k

nexl=j iuQyh


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2017

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1 wÈhr

ckjdß 01 Èkg wdrïNl fYaIh 271,467 261,818 271,567 261,907wdodhï m%ldYhg .e,mSu (262,395) 9,649 (262,450) 9,660j¾Ih ;=< lmdyeÍï – – – –fjk;a ixp,k – – – –

foieïn¾ 31 Èkg wjidk fYaIh 9,072 271,467 9,117 271,567

2 jk yd 3 jk wÈhr i|yd ydkslrK ixp,k fkdue;

23 fjk;a úia;S¾K wdodhï u.ska idOdrK w.hg .Kkh l< uQ,H j;alï

.sKqïlrK m%;sm;a;s

ysñlï yd Kh iq/l=ïm;a" úlsKSu i|yd mj;sk uQ,H wdfhdack hkakg wh;a fõ' fj<|du i|yd ord isák fyda ,dN fyda w,dN u.ska idOdrK

w.hg kï l< wdfhdack f,i j¾.SlrKh fkdjqKq wdfhdack fï hg;g wh;a fõ' fï hg;g .efkk Kh iq/l=ïm;a jkqfha" ksYaÑ;j

fkdolajk ld,isudjla ;=< r|jd ;ndf.k øjYS,;d wjYH;d u; fyda fj<|m< ;;a;ajhkaf.a fjkiaùï j,g m%;spdr f,i úlsKsh yels Kh

iq/l=ïm;ah'

uQ,sl .Kkh lsÍï j,ska wk;=rej úlsKSu i|yd mj;sk uQ,H wdfhdack miqj idOdrK w.hg .Kkh lrkq ,nhs' úlsKSu i|yd mj;sk wdfhdack

hgf;a we;s m%ldYs; fj<|m< ñ,la fkdue;s yd idOdrK w.h úYajdiodhS f,i .Kkh l< fkdyels ysñlï fldgia wdfhdack msßjehg .Kkh

lrkq ,nhs'

úlsKSu i|yd mj;sk wdfhdack ixÑ;fha ysñlï hgf;a Wm,íê fkdjQ ,dN yd mdvq iDcqju y÷kd .efkhs' wdfhdackhla isÿ lsÍfuka wk;=rej

W;amdÈ; yd Bg fmr ysñlï hgf;a .Kkh l< iuqÉÑ; ,dN fyda w,dN uQ,H wdfhdackj,ska ,o Y=oaO ,dN$^w,dN& hgf;a wdodhï m%ldYfhys

jd¾;d flfrhs' tlu iq/l=ula hgf;a wfhdack lsysmhla iuQyh i;=jQ úg tajdfhys úlsKSfï lghq;= meñKs ms<sfj,g isÿ lrkq ,nhs' úlsKSu

i|yd mj;sk uQ,H wdfhdack r|jd ;ndf.k we;s w;r Wmhd .kakd fmd,sh" iM, fmd,S wkqmd;sl Ndú;fhka ,o fmd,S wdodhu f,i jd¾;d fjhs'

úlsKSu i|yd mj;sk uQ,H wdfhdack r|jd .kakd w;r;=r Wmhkq ,nk ,dNdxY" f.ùï isÿ lsÍfï whs;sh ;yjqre jQ miqj" wdodhï m%ldYfhys

fjk;a fufyhqï wdodhï hgf;a jd¾;d lrkq ,efí' tjka wdfhdackhkays w.h wvqùfuka mek k.sk mdvq" wdodhï m%ldYkfhys uQ,H wdfhdack

u; w.h ydkslrKh ùfï w,dN hgf;a .Kkh lrk w;r" úlsKSu i|yd mj;sk wdfhdack ixÑ;fhka bj;a lrkq ,efí'

fjk;a úia;S¾K wdodhï u.ska idOdrK w.hg .Kkh l< uQ,H j;alï ydkslrKh

úlsKSu i|yd mj;sk wdfhdackj, we;=,;a Kh iq/l=ïm;a we;=¿ uQ,H wdfhdack iïnkaOfhka" hï wdfhdackhl w.h wvq ù we;s njg úIh uQ,sl

idlaIs we;aoehs iuQyh úiska iEu jd¾;dlrK Èkhl§u we.hSula isÿlrkq ,nhs'

úlsKSu i|yd mj;sk f,i j¾.lr we;s Kh WmlrK iïnkaOfhka l%ulaIh msßjeh mj;sk uQ,H j;alï j,g iudk ks¾Kdhl u; mokïj

ydkslrKh ms<sn| úIh uQ,sl idlaIs we;aoehs iuQyh úiska fjka fjka jYfhka we.hSï lrkq ,nhs' flfia jqjo" wvq jQ w.h f,i jd¾;d jkafka

l%ulaIh msßjeh iy j;auka idOdrK w.h w;r fjki f,i .Kkh jk iuqÉÑ; w,dNfhka wdodhï m%ldYfhys uq,a jd¾;d l< tu wdfhdackh

u; ydkslrKh wvql< miq ,efnk w.hhs' wkd.; fmd,S wdodhu" wvq lrk ,o OdrK w.h u; mokï jk w;r" ydkslrK w,dNh uekSfï

wruqKska wkd.; uQ,H m%jdy jÜgï i|yd fhdod.;a fmd,S wkqmd;h Ndú;fhka WmÑ; lrkq ,efÄ' fmd,S wdodhu" fmd,S yd iudk wdodhfuys

fldgila f,i jd¾;d fõ' miqld,Sk ld,iSudjl§" Kh WmlrKfha idOdrK w.h by< .shfyd;a iy tu by< hdu wdodhï m%ldYfhys

ydkslrKhla jd¾;d jQjdg miq yg.;a Kh isoaêhlg iïnkaO kï" ydkslrK w,dNh" wdodhï m%ldYh yryd m%;s .e,mSula lrkq ,nhs¡




úlsKSu i|yd mj;sk wdfhdackhla f,i j¾. l< ysñlï wdfhdack iïnkaOfhka .;aúg wdfhdackhl idOdrK w.h tys msßjehg jvd ie,lsh

hq;= fyda §¾>ld,Sk my; jeàïo úIh uQ,sl idlaIs i|yd we;=,;a fõ' fuys§ —ie,lsh hq;=˜ f,i nexl=j idudkHfhka woyia lrkafka 20]

l m%;sY;hla jk w;r" —§¾> ld,Sk˜ f,i i,lkafka idudkHfhka udi 6 lg jvd jeä ld,iSudjls' ydkslrKh ms<sn| i,lk úg w;am;alr

.ekSfï msßjeh iy j;auka idOdrK w.h w;r fjki f,i .Kkh lrkq ,nk iuqÉÑ; w,dNfhka" fjk;a úia;S¾K wdodhïys ñka fmr jd¾;d

l< tu wdfhdackh u; ydkslrK m%udKh wvqlr" ysñlï ldKavfhka bj;a lr wdodhï m%ldYfhys jd¾;d lrkq ,nhs' wdodhï m%ldYh yryd

ysñlï wdfhdackh u; jQ ydkslrK w,dNhka m%;s .e,mSï isÿ fkdflfrhs' ydkslrKfhka miq idOdrK w.fhys by<hdï fjk;a úia;S¾K

wdodhï hgf;a jd¾;d lrkq ,nhs'

.sKqïlrK m%;sm;a;s ^2018'01'01 Èfkka miqj wod< jk&

fjk;a úia;S¾K wdodhï u.ska idOdrK w.hg .Kkh lrk ,o uQ,H j;alï .Khg ysñlï iy Kh iq/l=ïm;a wh;afõ' fjk;a úia;S¾K wdodhï

u.ska idOdrK w.h f,iska j¾.slrKh lrkq ,nk ysñlï wdfhdack" Wmdh ud¾.sl wdfhdack f,i mj;sk whs;uhkah' fj<|m< ;;a;ajhkaf.a

fjkiaùï j,g m%;spdr f,iska fyda øjYS,;dj wjYH;djkag m%;spdr f,iska úl=Kkq ,nk fuu m%fNaohg wh;a Kh iq/l=ïm;a ksYaÑ; fkdjk

ld,mßÉfPaohlg r|jd .ekSug wfmaCId lrkq ,nk whs;uhkah'

uQ,sl ñkqfuka miqj fjk;a úia;S¾K wdodhï u.ska idOdrK w.hg .Kkh lrk ,o uQ,H j;alï miqj idOdrK w.hg ukskq ,nhs' fjk;a

úia;S¾K wdodhï u.ska idOdrK w.hg we;s uQ,H j;alï my; mßÈ m%fNao follg j¾. l< yelsh'

¸ fjk;a úia;S¾K wdodhï u.ska idOdrK w.hg we;s ysñlï WmlrK

uQ,sl y÷kd.ekSfuka miqj" Y%S ,'.s'm%' 32 uQ,H WmlrK hgf;a ysñlï hkafkys ks¾jpkhg iß,k wjia:dj,§ nexl=j úiska we;eï úfgl tys

ysñlï wdfhdack fjk;a úia;S¾K wdodhï u.ska idOdrK w.hg we;s ysñlï WmlrK f,i wdmiq yerúh fkdyels mßÈ j¾.SlrKh lrkq ,nhs'

tjka j¾.SlrKhla WmlrKfhka WmlrKh hk moku u; ;SrKh fjhs'

Wm,íê fkdjQ ,eîï yd w,dN" fjk;a úia;S¾K wdodhï ixÑ;fhys iDcqju ysñlï f,i y÷kd.kq ,nhs' fulS ysñlï WmlrK u; we;s jk ,eîï

yd w,dN h<s ,dNhla f,i lsis úfgl m%;spl%SlrKh lrkq fkd,nhs' WmlrKfhys msßjefhys fldgila f,i h<s whlr .ekSfuys§ tlS wruqo,ska

nexl=j m%;s,dN ,nk wjia:dj,§ yer f.ùfï whs;sh ia:dms; lr .kakd wjia:dj,§ ,dNdxY" fjk;a fufyhqï wdodhï f,i ,dNhg$w,dNhg

yªkd.kq ,nhs' tnª wjia:dj,§ tlS ,eîï" fjk;a úia;S¾K wdodhïys jd¾;d lrkq ,nhs' fjk;a úia;S¾K wdodhï uÕska idOdrK w.hg we;s

ysñlï WmlrK ydkslrK we.hSug hg;a fkdfõ'

flfia fj;;a úia;S¾K wdodhï u.ska idOdrK w.h hgf;a we;s m%ldYs; fj<|fmd< ñ,la fkdue;s iy idOdrK w.h úYajikSh f,i ñksh

fkdyels ysñlï wdfhdack msßjehg ukskq ,nhs'

¸¸ fjk;a úia;S¾K wdodhï u.ska idOdrK w.hg we;s Kh WmlrK

my; fldkafoais oaú;ajhgu wkql+, jk wjia:dj,§ fjk;a úia;S¾K wdodhï u.ska idOdrK w.hg ukskq ,nk Kh WmlrK i|yd nexl=j úiska

Y%S ,'uQ'jd'm%' 9 hgf;a kj j¾.SlrKh wod< lr.kq ,nhs'

.ssúiqï.; uqo,a m%jdy /ia lsÍu iy uQ,H j;alï úlsKSu u.ska idlaId;a lr.; yels wruqKq iys; WmlrK jHdmdßl wdlD;shla hgf;a

r|jd.kq ,nhs'

uQ,H j;alï .súiqï.; kshuhka SPPI mÍCIdjg nªka fjhs'

Y%S ,'.s'm%' 39 hgf;a úlskSu i|yd we;s uQ,H wdfhdack f,I fmr j¾.SlrKh lrk ,o j;alï fulS WmlrK .Kkg jeä jYfhka jefÜ'

23' fjk;a úia;S¾K wdodhï u.ska idOdrK w.hg .Kkh l< uQ,H j;alï îïnkaOhs&




fjk;a úia;S¾K wdodhï yryd idOdrK w.hg we;s uQ,H j;alï u; Wmhk ,o fmd,sh" iM, fmd,S wkqmd;lh Wmfhda.S lr .ksñka fmd,S

wdodhug yªkd.kq ,nhs' tjka wdfhdackj,ska mek k.sk w,dN" wdodhï m%ldYfhys ydkslrK .dia;= hgf;a yªkd.kq ,efnhs'

nexl=j iuQyh


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2017

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2018

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2017

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YS%S ,xld rcfha iq/l==ïm;a

NdKavd.dr ì,am;a [igyk 23 ^we&] – 1,171,488 – 1,171,488NdKavd.dr ne÷ïlr [igyk 23 ^wE&] 2,433,915 81,390 4,037,045 1,900,493

ysñlï iq/l=ïm;a

ks, ,ehsia;=.; ysñlï iq/l=ïm;a [igyk 23 ^b&] 3,447,888 3,876,570 3,447,888 3,876,570ks, ,ehsia;=.; fkdjk ysñlï iq/l=ïm;a îgyk 23'Ba& 302,627 564,381 303,627 565,381

wdh;ksl Kh WmlrK – – – –^wvql<d&( ydkslrKh – – – –

fjk;a úia;S¾K wdodhï u.ska idOdrK w.hg Y=oaO uQ,H j;alï 6,184,430 5,693,829 7,788,560 7,513,932

23' ^w& úYaf,aIKh

nexl=j iuQyh


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2017

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2018

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2017

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iq/l=ïlrKh u.ska

iq/l=ï f,i .súisk ,o – – 1,524,097 1,690,832;nd fkdue;s 6,184,430 5,693,829 6,264,463 5,823,100

o< tl;=j 6,184,430 5,693,829 7,788,560 7,513,932

jHjydr uqo,a wkqj

YS%%S ,xld remsh,a 6,184,430 5,693,829 7,788,560 7,513,932wefußldkq fvd,¾ – – – –

o< tl;=j 6,184,430 5,693,829 7,788,560 7,513,932

23' ^wd& j¾Ih ;=< ydkslrK ixp,k

j¾Ih ;=< ydkslrK ixp,k jd¾;d fkdùh'






23' ^we& - Y%S ,xld rdcH iq/l=ïm;a - NdKavd.dr ì,am;a

2018 - nexl=j iy iuQyh 2017 - nexl=j iy iuQyh

m%ldYs; w.h

re Z000

wdfhdack

msßjeh

re Z000

idOdrK w.h

re Z000

m%ldYs; w.h

re Z000

wdfhdack

msßjeh

re Z000

idOdrK w.h

re Z000

Y%S ,xld rdcH iq/l=ïm;a - NdKavd.dr ì,am;a – – – 1,200,000 1,164,059 1,171,488

1,164,059 1,171,488

23' ^wE& Y%S ,xld rdcH iq/l=ïm;a - NdKavd.dr ne÷ïlr

2018 - nexl=j 2017 - nexl=j

m%ldYs; w.h

re Z000

wdfhdack

msßjeh

re Z000

idOdrK w.h

re Z000

m%ldYs; w.h

re Z000

wdfhdack

msßjeh

re Z000

idOdrK w.h

re Z000

Y%S ,xld rdcH iq/l=ïm;a - NdKavd.dr ì,am;a 2,426,000 2,454,815 2,433,915 76,000 74,709 81,390

2,454,815 2,433,915 74,709 81,390

2018 - iuQyh 2017 - iuQyh

m%ldYs; w.h

re Z000

wdfhdack

msßjeh

re Z000

idOdrK w.h

re Z000

m%ldYs; w.h

re Z000

wdfhdack

msßjeh

re Z000

idOdrK w.h

re Z000

Y%S ,xld rdcH iq/l=ïm;a - NdKavd.dr ne÷ïlr 3,951,000 4,267,031 4,037,045 1,751,000 2,037,829 1,900,493

4,267,031 4,037,045 2,037,829 1,900,493

23' ^b& ks, ,ehsia;=.; wdfhdack - ysñlï iq/l=ïm;a - nexl=j iy iuQyh

2018 2017

fldgia .Kk

re Z000

msßjeh

re Z000

idOdrK w.h

re Z000

fldgia .Kk

re Z000

msßjeh

re Z000

idOdrK w.h

re Z000

yegka keIk,a nEkala mSt,aiS 11,346,652 1,655,816 2,428,184 11,262,707 1,655,816 2,773,004Y%S ,xld fg,sfldï mSt,aiS 13,158,700 445,642 307,913 13,158,700 445,642 369,522mSm,aia ,Sisx lïmks mSt,aiS 43,668,157 784,405 711,791 43,668,157 784,405 734,044

2,885,863 3,447,888 2,885,863 3,876,570





23' ^B& ks, ,ehsia;=.; fkdjk wdfhdack - ysñlï iq/l=ïm;a

2018 - nexl=j 2017 - nexl=j

fldgia .Kk

re Z000

msßjeh

re Z000

idOdrK w.h

re Z000

fldgia .Kk

re Z000

msßjeh

re Z000

idOdrK w.h

re Z000

wdfhdackh - Kh f;dr;=re ld¾hdxYh 30,450 57,364 57,364 30,450 57,364 57,364wdfhdackh - wefidaisfhagâ ksõia fmam¾ia

isf,daka ,sñgâ 20,000 127 127 20,000 127 127wdfhdackh - m%dfoaYSh ixj¾Ok nexl==j 16,452,126 164,521 245,136 16,452,126 164,521 506,890^wvql<d& ( ydkslrKh – – – –

222,012 302,627 222,012 564,381

2018 - iuQyh 2017 - iuQyh

fldgia .Kk

re Z000

msßjeh

re Z000

idOdrK w.h

re Z000

fldgia .Kk

re Z000

msßjeh

re Z000

idOdrK w.h

re Z000

wdfhdackh - Kh f;dr;=re ld¾hdxYh 30,450 57,364 57,364 30,450 57,364 57,364wdfhdackh - wefidaisfhagâ ksõia fmam¾ia

isf,daka ,sñgâ 20,000 127 127 20,000 127 127wdfhdackh - m%dfoaYSh ixj¾Ok nexl==j 16,452,126 164,521 245,136 16,452,126 164,521 506,890wdfhdackh - Y%S ,xld uQ,H fiajd ld¾hdxYh 100,000 1,000 1,000 100,000 1,000 1,000^wvql<d & ( ydkslrKh – – – –

223,012 303,627 223,012 565,381

ks, ,ehsia;==.; fkdl< úlsKSu i|yd mj;sk ysñlï fldgia ish,a, ^m%%dfoaYSh ixj¾Ok nexl=j yereKq úg& tajdfha idOdrK w.h ms<s.;

yels mßÈ weia;fïka;= l< fkdyels ksid" msßjehg jd¾;d lr we;' fulS wdfhdack i|yd fjf<|m,la fkdue;s w;r" tajd §¾> ld,Skj

r|jd .ekSug nexl=j wfmalaId lrhs' ksÍËKh l<yels o;a; mokï lr.;a we.hSï wdlD;shla fhdod .ksñka m%dfoaYSsh ixj¾Ok nexl==fõ

fldgia wdfhdackhkaays idOdrK w.h ;SrKh lr we;'




24 md,s; iud.ïj, wdfhdackhka

.sKqïlrK m%;sm;a;s

md,s; iud.ïj, wdfhdack" ydkslrKh fjkqfjka §ukd wvq l< miq msßjehg .Kkh lr nexl=fõ uQ,H m%ldYhkays oelafõ' lsishï ydkslrK

weÕsùula we;aoehs ;SrKh lsÍu msKsi iEu jd¾;dlrk Èkl§u md,s; iud.ïj, Y=oaO j;alï" iudf,dapkh lrkq ,nhs' lsishï ydkslrKhla isÿù

we;s njg weÕsùula fõ kï" wdfhdackfha h<s whlr.; yels w.h weia;fïka;= lrkq ,nk w;r" Y=oaO j;alïj, w,dNfhys uÜgug ydkslrK

w,dNh y÷kd.kq ,nhs'

2018 2017 2018 2017

foieïn¾ 31 Èkg

] ]

msßjeh)

re Z000

wOHCIjrekaf.a

;lafiarej ))

re Z000

msßjeh )

re Z000

wOHCIjrekaf.a

;lafiarej ))

re Z000

ks, ,ehsia;=.; fkdjk ysñlï fldgia

tka'tia'î'*kaâ uefkacAukaÜ lïmks ,sñsgâ 100 100 1,700,000 2,722,821 900,000 1,944,586^tlla re'10 ne.skajQ idudkH fldgia

170"000"000&

wvql<d ( ydkslrKh – – – –Y=oaO tl;=j 1,700,000 2,722,821 900,000 1,944,586

) j¾Ih ;=< re' ñ,shk 800 la jákd fldgia md,s; iud.u úiska ksl=;a lrk ,§'

)) md,s; iud.ïj, wdfhdack ms<sn| wOHCIjrekaf.a ;lafiarelrKh" Y=oaO j;alï u; 2018 foieïn¾ 31 Èkg ú.Ks; uQ,H m%ldY u; mokïj isÿlr we;'

24' ^w& j¾Ih ;=< ydkslrK ixp,k

2018 j¾Ih ;=< ydkslrK ixp,k jd¾;d fkdùh'

25 wdY%s; iud.ïj, iy noaO jHdmdrj, wdfhdackh

wdY%s; noaO jHdmdrj, wdfhdackhka jd¾;d fkdùh'

26 foam," msßh; iy WmlrK

.sKqïlrK m%;sm;a;s

y÷kd.ekSfï moku

j;alfuys msßjeh úYajdikSh f,i .Kkh l< yels kï iy j;alï yd ine|s wkd.; m%;s,dN" iuQyh fj; .,d tafï iïNdú;djhka we;s úgl

foam," msßh; yd WmlrK fmd;aj, y÷kd.kq ,nhs' j;alu w;am;a lr .ekSug iDcqju wod< jk msßjeho we;=<;aj foam," msßh; yd WmlrK

uQ,slju msßjehg .Kkh lrkq ,nhs'

ñkSfï moku

j;alula f,i y÷kd .ekSug iqÿiqlï ,nk foam," msßh; yd WmlrK whs;uhla uq,a jrg tys msßjehg ukskq ,nhs' msßjeh hkakg j;alu

w;am;a lr .ekSu i|yd iDcqj wod< l,yels msßjeh iy miqld,Sk msßjeh we;=,;a fõ' ;uka úiskau bÈl, j;alul msßjeh hkakg iDcq øjH

msßjeh" iDcq Y%u msßjeh iy j;alu l<ukdldÍ;ajh úiska wfmalaIs; wdldrfhka l%shdlrúh yels ;;a;ajhg f.k taug iDcqj wod< l,yels

wfkl=;a msßjeh fukau j;alu ia:dk.; lr we;s jev ìfuka .,jd oeóu" bj;a lsÍu iy N+ñh m%;sixialrK lsÍu i|yd jk msßjefhys uq,a

weia;fïka;=j iy m%d.aOks; lrk ,o Kh .eKqï msßjeh we;=<;a fõ' mß.Kl WmlrKj, l%shdldÍ;ajfha ixl,s; fldgila jk ñ,§ .;a

mß.Kl uDÿldx." mß.Kl WmlrK hgf;a m%d.aOks; lrhs' foam," msßh; yd WmlrK whs;uhl fldgia úúO jq M,odhS Ôjld, j,ska hqla;

jk úg tu fldgia fjka fjka jq foam," msßh; yd WmlrK whs;uhka f,i y÷kd.kq ,efí'

msßjeh wdlD;sh

iskaklalr bvï yd f.dvke.s,s yereKqúg fiiq foam," msßh; yd WmlrK i|yd iuQyh úiska msßjeh wdlD;sh Wmfhda.S lr.kq ,nk w;r"

ñ,§ .ekSfï fyda bÈlsÍfï msßjeh iy ta iïnkaO wu;r mssßjeho we;=,;aj" iuqÉÑ; CIh yd iuqÉÑ; ydkslrK w,dN wvql, miq w.hg j¾;d

lrkq ,nhs'




m%;Hd.Kk wdlD;sh

iuQyh úiska iuia; iskaklalr bvï yd f.dvke.s,s ldKavhgu m%;Hd.Kk wdlD;s Wmfhda.s lr.kq ,nhs' m%;Hd.Kkh lrkq ,nk Èkg

j;alfuys idOdrK w.fhka miqld,Skj iuqÉÑ; laIh iy iuqÉÑ; ydkslrK w,dNhka wvql, miq w.h jk m%;Hd.Ks; w.hg tu foam,

mj;ajdf.k hkq ,nhs' fYaIm;% Èkg we;s idOdrK w.h yd OdrK w.h w;r" ie,lshhq;= fjkila fkdue;s nj iy;sl lrkq jia pl%Sh moku u;

iuQyfhys iskaklalr bvï yd f.dvke.s,s iEu f;jirlgu jrla m%;Hd.Kkh lrkq ,nhs' j;alula m%;Hd.Kkh lsÍfï§ OdrK w.fhys isÿjk

lsishï jeäùula fjk;a úia;S¾K wdodhï ys jd¾;d lrkq ,nk w;r" m%d.aOk ixÑ;h hgf;a ysïlïj,g tl;= lsÍu fyda wdodhï m%ldYhg igyka

lrk ,o tu j;alug wod< fmr m%;Hd.Ks; wvqùula m%;sj¾;kh lsÍu i|yd fhdod.kq ,nhs'

fun÷ jd;djrKhla hgf;a" we;sjk by<hdu fmr ,shd yeÍfï w.h olajd wdodhula f,i jd¾;d lrkq ,nhs' OdrK w.fhys hï wvqùula fõ kï"

th wdodhï m%ldYfhys úhoula f,i y÷kd .; hq;=h' flfia jqjo tu j;alug wod<j m%d.aOk ixÑ;fhys mj;sk hï ner fYaIhla fú kï" tu

w.h f;la m%;Hd.Kh wvqùula fjk;a úia;S¾K wdodhï fj; yr lrkq ,nhs' fjk;a úia;S¾K wdodhï ys jd¾;d lrkq ,nk tu wvqùu u`.ska

m%d.aOk ixÑ; hgf;a iuqÉÑ; ysñlï j, w.h wvqfjhs' hï j;alulg wod<j m%;Hd.Kk ixÑ;fhys b;sß jk hï fYaIhla fõ kï" th úY%du

hdu u; fyda tu j;alï bj;a lsÍu u; r|jd.kq ,nk bmehSï fj; iDcqju udre lrkq ,nhs'

y÷kd.ekSu w;ayeÍu

úl=Kd neyer lsÍfï§ fyda th mdúÑÑ lsÍfuka wkd.; m%;s,dN lsisjla wfmaCId fkdlrk úg foam," msßh; yd WmlrK fmd;a j,ska bj;a lrkq

,efí' j;alï bj;a lsÍfï§ mek kÕsk lsishï ,dNhla fyda w,dNhla ^j;alfuys OdrK w.h iy neyer,Sfï Y=oaO w.h w;r" fjki f,i .Kkh

flfrhs& tu j¾Ih ;=< wdodhï m%ldYfhys —fjk;a fufyhqï wdodhï˜ hgf;a y÷kd.kq ,nhs'

m%d.aOks; l, yels flÍf.k hk jev

m%d.aOkS; lsÍug wfmaCId lrk" f.dvke.s,s bÈlsÍï" m%Odk hkaf;%damlrK iy moaO;s jeä ÈhqKq lsÍu i|yd ork ,o m%d.aOk iajNdjfha úhoï fï

hg;g wh;a fõ' fïjd uQ,H ;;a;ajh ms<sn| m%ldYfha iuqÉÑ; ydkslrK w,dN wvq lrk ,o msßjehg olajd we;' l<ukdldÍ;ajh úiska wfmaCIs;

wdldrhg l%shd l, yels ;;a;ajhg iy ia:dkhg m;ajQ miq tu m%d.aOks; l< yels flÍf.k hk jev" wod< j;alu fj; udre lrkq ,efí'

Kh msßjeh

nexl=j úiska foam<" msßh; yd WmlrK w;am;a lr .ekSug wod< m%d.aOks; l<yels Kh msßjeh fkdùh'

CIhùï

foam, msßh; iy WmlrK msßjeh" tajdfha ;lafiare l< M,odhS Ôjld,h ;=< wjfYaI jákdlu olajd ir< ud¾. l%uh Wmfhda.S lr.ksñka"

CIhùï .Kkh lr ,dN$w,dN hgf;a jd¾;d lrkq ,nhs' bvï j, CIhùula fkdie,flhs' y÷kd.kq ,enQ j;alï ldKavj,g wod< CIhùï

wkqmd;sl my;ska olajd we;'

l=,shg$nÿ §u i|yd f.dvke.s,sj,g isÿlrkq ,nk jeäÈhqKq lsÍï

2017 ckjdß 1 Èk isg l=,shg$nÿ §u i|yd f.dvke.s,sj,g isÿlrkq ,nk jeäÈhqKq lsÍï m%d.aOks; lsÍu i|yd nexl=j úiska ;SrKh lr we;'

tÈk isg n,meje;afjk mßÈ nÿ ld,iSudj ;=<§ tlS jeäÈhqKq lsÍï l%uCIh lrkq ,efí'

j;alï j¾.h jd¾Isl CIhùï wkqmd;slh

l,anÿ foam," l=,shg$nÿ §u i|yd isÿlrkq ,nk jeäÈhqKq lsÍï nÿ ld,iSudj ;=<§

iskaklalr f.dvke.s,s jd¾I slj 2'5] ne.ska

ld¾hd, yd úúO WmlrK iy ,Snvq yd iúlsÍï jd¾Islj 10] ne.ska

fudag¾ jdyk jd¾Islj 20] ne.ska

mß.Kl oDvdx. jd¾Islj 20] ne.ska

mß.Kl uDÿldx. jd¾Islj 25] ne.ska

2017 ckjdß 01 Èk isg n, meje;afjk mßÈ mß.Kl oDvdx. u; CIhùfï wkqmd;slh whs;ufha M,odhS Ôj ld,h i,ld n,ñka 25] isg 20]

olajd ixfYdaOkh lr we;'

iuQyh úiska mßyrKh lsÍug yels Èk isg Ndú;fhka bj;a lrk Èkh olajd CIhùï m%;smdokh lrhs'

26' foam," msßh; iy WmlrK îïnkaOhs&





26' ^w& foam," msßh; iy WmlrK – nexl=j – 2018

bvï yd

f.dvke.s,s

re' Z000

nÿ foam,"

l=,shg$nÿ §u

i|yd jeäÈhqKq

lrk ,o

f.dvke.s,s)

re' Z000

mß.Kl

oDvdx.

re' Z000

mß.Kl

uDÿldx.

re' Z000

ld¾hd,Sh yd

úúO WmlrK"

,S nvq yd

iúlsÍï))

re' Z000

fudag¾

r:jdyk

re' Z000

flÍf.k

hk jev-

f.dvke.s,s

re' Z000

tl;=j

re' Z000

msßjeh$idOdrK w.h

2018 ckjdß 01 Èkg

wdrïNl fYaIh 10,020,133 548,011 2,270,025 958,764 1,734,483 349,602 186,111 16,067,129tl;= lsÍï 346,816 125,447 382,245 390,052 349,027 16,068 457,471 2,067,126bj;a lsÍï (132,650) (38,514) (33,354) (6,490) (122,695) (14) (134,735) (468,452)


wjidk fYaIh 10,234,299 634,944 2,618,916 1,342,326 1,960,815 365,656 508,847 17,665,803

wvql<d ( iuqÉÑ; CIhùï

2018 ckjdß 01 Èkg

wdrïNl fYaIh – 77,296 1,659,278 578,456 1,079,467 276,948 – 3,671,444j¾Ih ;=, whlsÍï 52,203 18,781 208,131 187,796 136,893 34,992 – 638,795bj;a lsÍï – – (32,061) – (78,116) (14) – (110,191)


wjidk fYaIh 52,203 96,077 1,835,348 766,251 1,138,244 311,926 – 4,200,048

wvql<d( ydkslrKh – – – – – – – –


Y=oaO fmd;a w.h 10,182,095 538,867 783,568 576,075 822,571 53,730 508,847 13,465,755





26' ^w& foam," msßh; iy WmlrK – nexl=j – 2017

bvï yd

f.dvke.s,s

re' Z000

nÿ foam,"

l=,shg$nÿ §u

i|yd jeäÈhqKq

lrk ,o

f.dvke.s,s)

re' Z000

mß.Kl

oDvdx.

re' Z000

mß.Kl

uDÿldx.

re' Z000

ld¾hd,Sh yd

úúO WmlrK"

,S nvq yd

iúlsÍï))

re' Z000

fudag¾

r:jdyk

re' Z000

flÍf.k

hk jev-

f.dvke.s,s

re' Z000

tl;=j

re' Z000

msßjeh$idOdrK w.h

2017 ckjdß 01 Èkg

wdrïNl fYaIh 5,565,220 488,317 2,061,817 639,336 1,650,968 344,735 77,280 10,827,673.e,mSï (1,500) 1,500 (128) – – – (15,785) (15,913)tl;= lsÍï 43,065 58,194 393,032 319,428 122,621 4,878 167,681 1,108,899m%;Hd.Kkh 4,496,752 – – – – – – 4,496,752m%;Hd.Ks; j;alï i|yd

CIhùï .e,mSï (83,404) – – – – – – (83,404)bj;alsÍï – – (184,696) – (39,106) (11) (43,065) (266,878)


wjidk fYaIh 10,020,133 548,011 2,270,025 958,764 1,734,483 349,602 186,111 16,067,129

wvql<d( iuqÉÑ; CIhùï

2018 ckjdß 01 Èkg

wdrïNl fYaIh 41,214 65,881 1,732,391 482,065 988,753 240,447 – 3,550,751j¾Ih ;=, whlsÍï 42,190 11,415 111,180 96,391 125,860 36,512 – 423,547m%;Hd.Ks; j;alï i|yd

CIhùï .e,mSï (83,404) – – – – – – (83,404)bj;alsÍï – – (184,293) – (35,146) (11) – (219,450)


wjidk fYaIh – 77,296 1,659,278 578,456 1,079,467 276,948 – 3,671,444



Y=oaO fmd;a w.h 10,020,133 470,715 610,747 380,308 655,016 72,654 186,111 12,395,684





26' ^w& foam," msßh; iy WmlrK – iuQyh – 2018

bvï yd

f.dvke.s,s

re' Z000

nÿ foam,"

l=,shg$nÿ §u

i|yd jeäÈhqKq

lrk ,o

f.dvke.s,s)

re' Z000

mß.Kl

oDvdx.

re' Z000

mß.Kl

uDÿldx.

re' Z000

ld¾hd,Sh yd

úúO WmlrK"

,S nvq yd

iúlsÍï))

re' Z000

fudag¾

r:jdyk

re' Z000

flÍf.k

hk jev-

f.dvke.s,s

re' Z000

tl;=j

re' Z000

msßjeh$idOdrK w.h

2018 ckjdß 01 Èkg

wdrïNl fYaIh 10,020,133 548,011 2,275,565 961,134 1,736,518 349,601 186,111 16,077,074tl;= lsÍï 346,816 125,447 382,504 390,052 349,123 16,068 457,471 2,067,481bj;a lsÍï (132,650) (38,514) (33,354) (6,490) (122,695) (14) (134,735) (468,452)


wjidk fYaIh 10,234,299 634,944 2,624,715 1,344,696 1,962,946 365,655 508,847 17,676,103


2018 ckjdß 01 Èkg

wdrïNl fYaIh – 77,296 1,662,384 580,479 1,080,633 276,948 – 3,677,740j¾Ih ;=, whlsÍï 52,203 18,781 208,890 187,875 137,038 34,992 – 639,779bj;alsÍï – – (32,061) – (78,116) (14) – (110,191)


wjidk fYaIh 52,203 96,077 1,839,213 768,354 1,139,554 311,926 – 4,207,328

wvql<d( ydkslrKh – – – – – – –


Y=oaO fmd;a w.h 10,182,096 538,867 785,502 576,342 823,392 53,729 508,847 13,468,776





26' ^w& foam," msßh; iy WmlrK – iuQyh – 2017

bvï yd

f.dvke.s,s

re' Z000

nÿ foam,"

l=,shg$nÿ §u

i|yd jeäÈhqKq

lrk ,o

f.dvke.s,s)

re' Z000

mß.Kl

oDvdx.

re' Z000

mß.Kl

uDÿldx.

re' Z000

ld¾hd,Sh yd

úúO WmlrK"

,S nvq yd

iúlsÍï))

re' Z000

fudag¾

r:jdyk

re' Z000

flÍf.k

hk jev-

f.dvke.s,s

re' Z000

tl;=j

re' Z000

msßjeh$idOdrK w.h

2017 ckjdß 01 Èkg

wdrïNl fYaIh 5,565,220 488,317 2,065,843 641,306 1,652,758 344,734 77,444 10,835,623.e,mSï (1,500) 1,500 (128) – – – (15,949) (16,077)tl;= lsÍï 43,065 58,194 394,787 319,828 122,914 4,878 167,681 1,111,347m%;Hd.Kkh 4,496,752 – – – – – – 4,496,752m%;Hd.Ks; j;alï i|yd

CIhùï .e,mSï (83,404) – – – – – – (83,404)bj;alsÍï – – (184,937) – (39,154) (11) (43,065) (267,167)


wjidk fYaIh 10,020,133 548,011 2,275,565 961,134 1,736,518 349,601 186,111 16,077,074


2017 ckjdß 01 Èkg

wdrïNl fYaIh 41,214 65,881 1,735,142 484,035 989,810 240,447 – 3,556,529j¾Ih ;=, whlsÍï 42,190 11,415 111,776 96,444 126,015 36,512 – 424,352m%;Hd.Ks; j;alï i|yd

CIhùï .e,mSï (83,404) – – – – – – (83,404)bj;alsÍï – – (184,534) – (35,192) (11) – (219,737)


wjidk fYaIh – 77,296 1,662,384 580,479 1,080,633 276,948 – 3,677,740



Y=oaO fmd;a w.h 10,020,133 470,715 613,181 380,655 655,886 72,653 186,111 12,399,334

) nÿlr foam," nÿ$l=,shg §u i|yd jeäÈhqKq lrk ,o f.dvke.s,s hg;g 2018 foieïn¾ 31 Èkg we;=<;a nÿ$l=,shg §u i|yd jeäÈhqKq lrk ,o f.dvke.s,s wdY%s; fkdksñ jev w.h re' ñ,shk 54'2 ls'

)) ld¾hd,Sh WmlrK" ,S nvq yd iúlsÍï i|yd 2018 foieïn¾ 31 Èkg remsh,a 240"976 la w.hg iß,k ld¾hd, WmlrK wdY%s; flÍf.k hk jev o we;=<;ah'





26' ^we& m%;Hd.Kkh

jD;a;Suh jYfhka iqÿiqlï,;a iajdëk ;lafiarelrejka úiska nexl=fjys bvï yd f.dvke.s,s m%;Hd.Kkh lrk ,§' wf;a ÿßka isÿjQ uE; ld,Sk

fj<|m< .kqfokqj,§ fyda il%Sh fj<|fmdf,ys ksÍCIKh l< yels ñ, ie,ls,a,g .ksñka m%;Hd.Kkh isÿ lrk ,§' ta wkqj remsh,a ñ,shk

4"478'48 l m%;Hd.Ks; w;sßla;hla 2017 jif¾§ m%;Hd.Ks; ixÑ;hg ner lrk ,§' tfukau fmr j¾Ih yd ii|k úg remsh,a ñ,shk 11'73 la

Bg .,md ;sìKs'

26' ^wE& nexl=fõ bvï yd f.dvke.s,s

bvï yd f.dvke.s,s fYaIhg remsh,a ñ,shk 8"076'4 l iskaklalr bvï w.hla we;=<;ah'

26' ^b& j.lSï i|yd wem f,i iy;sl lrk ,o foam," msßh; yd WmlrK

foam," msßh; yd WmlrK lsisjla j.lSu iòyd wem jYfhaka ;nd fkdue;'

26' ^B& iïmQ¾Kfhkau CIh lrk ,o foam," msßh; yd WmlrK

jd¾;dlrK Èk olajd Ndú;fha mj;sk iïmQ¾Kfhkau laIh lrk ,o foam," msßh; yd WmlrKj, uQ,sl msßjeh my; olajd we;s mßÈ fõ'

nexl=j iuQyh


re' Z000

2017

re' Z000

2018

re' Z000

2017

re' Z000

mß.Kl oDVdx. 1,367,141 1,370,615 1,368,083 1,371,270ld¾hd, WmlrK" ,S nvq yd iúlsÍï 310,827 271,677 311,475 271,975wiamDYH j;alï 470,562 433,977 472,531 435,946fjk;a – úúO WmlrK 431,765 27,840 432,679 28,754

27 foam, wdhdack

nexl=j yd iuQyh i;=j fun÷ foam< fkdue;'

28 lS¾;skduh iy wiamDYH j;alï

.sKqïlrK m%;sm;a;s

ñ,§ .;a mß.Kl uDÿldx.j, jákdlu iuQyfha wiamDYH j;alï .Kkhg we;=<;a fõ'

y÷kd.ekSfï moku

wiamDYH j;alula y÷kd.kq ,nkafka" tys msßjeh úYajikSh f,i uekSug yels úg iy Bg wod<j wkd.;fha§ wfmaCIs; wd¾Ól m%;s,dN iuQyhg

.,d tafï NjH;djhla we;s úg§h'

uekSfï moku

fjka fjkaj w;am;a lr .kakd wiamDYH j;alï uq,a jrg y÷kd .eksfï§ w.h lrkq ,nkafka tajdfha msßjehghs¡ jHdmdr ixfhdackfha§ w;am;a

lr .;a wiamDYH j;alï j, msßjeh jkqfha tfia w;am;a lr .;a Èkg tajdfha idOdrK w.hhs' uQ,sl y÷kd.ekSfuka wk;=rej wiamDYH j;alï

msßjefhka iuqÉÑ; l%uCIh iy hï iuqÉÑ; m%;Hd.Kk ydkslrK w,dNhla wvq l, miq w.hg bÈßhg f.khd hq;=hs'




M,odhS Ôjld,h yd l%uCIh ùï

iuQyh wiamDYH j;alïj, M,odhS Ôjld,h iSñ; fyda wiSñ; o hkak ;lafiare lrkq ,nhs' iSñ; Ôj ld,hlska hq;a wiamDYH j;alï tajdfha

M,odhS Ôj ld,h ;=< l%uCIh lrkq ,nhs' iSñ; Ôj ld,hla we;s wiamDYH j;alul l%uCIh ld,mßõfcaoh iy l%uCIh" l%uh wju jYfhka

iEu uQ,H j¾Ihla wjidkfha§u iudf,dapkh l< hq;=fõ' j;alïj, wfmaCIs; M,odhS Ôj ld,hla fyda j;alï j, wka;¾.; wfmalaIs; wkd.;

wd¾Ól m%;s,dN mdßfNdack rgdfõ fjkiaùï i|yd .sKqï ;nkq ,nkafka iqÿiq mßÈ l%uCIh ld,iSudj fyda l%uCIh l%uh fjkia lsÍfuks' fïjd

.sKqïlrK weia;fïka;= j, fjkialï jYfhka i,lkq ,efí¡ iSñ; Ôj ld,hla we;s wiamDYH j;alïj, l%uCIh úhou wdodhï m%ldYkfha wod,

wiamDYH j;alïj, ld¾hhg wkqrEm úhoï ldKavh hgf;a y÷kd.kq ,nhs'

y÷kd .ekSu w;ayeÍu

wiamDYH j;alula y÷kd .ekSu w;ayßkq ,nkafka th bj;a lsÍul§ fyda th Ndú;d lsÍu u`.ska wfmaCIs; wkd.; m%;s,dN fkd,efnk úg§h'

wiamDYH j;alï bj;a lsÍfuka mek k.sk ,dNh fyda w,dNh ^Y=oaO úl=Kqï ñ, iy j;alfï OdrK w.h w;r fjki f,i .Kkh lrkq ,nk&

j;alu bj;a l< j¾Ifha wdodhï m%ldYfha fjk;a fufyhqï wdodhï hgf;a y÷kd.kq ,nhs'

wiSñ; M,odhS Ôjld,hla iys; wiamDYH j;alï iuQyh i;=j fkdmj;S' iuQyfha mß.Kl uDÿldx.j, ;lafiare lrk ,o M,odhS Ôjld,h

jir 4 ls' ^jd¾Islj 25] ne.ska&

igyka wxl 26 ys olajd we;s foam<" msßh; yd WmlrK hgf;a fy<sorõ lr we;s mß.Kl uDÿldx. yereKq úg nexl=j yd iuQyh i;=j lsisÿ

wiamDYH j;alula fkdue;'

29 ú,ïî; nÿ j;alï$j.lSSï

.sKqïlrK m%;sm;a;s

ú,ïî; nÿlrKh ms<sn| iúia;rd;aul f;dr;=re msgq wxl 286 ys igyka wxl 13 ys olajd we;'

nexl=j iuQyh


re' Z000

2017

re' Z000

2018

re' Z000

2017

re' Z000

29' ^w& ú,ïì; nÿ j;alï

wdrïNl fYaIh – – (75) 588j¾Ih i|yd y÷kd.;a f.ùï

– ,dNh yd w,dNh – – 148 (588) – fjk;a úia;S¾K wdodhï fYaIh – – – –

wjidk fYaIh – – 73 –

29' ^wd& ú,ïì; nÿ j.lSï

ú,ïì; nÿ j.lSSï 507,063 416,180 507,063 415,592wdodhï m%ldYh 75,400 90,883 75,400 91,546

Y=oaaO ú,ïì; nÿ j.lSï 582,463 507,063 582,463 507,138

28' lS¾;skduh iy wiamDYH j;alï îïnkaOhs&




30 fjk;a j;alï

nexl=j iuQyh


re' Z000

2017

re' Z000

2018

re' Z000

2017

re' Z000

msßjeh

l,ams; nÿ$,eìh hq;= r|jd .ekSfï nÿ îgyk 4' wE& 5,761,291 7,184,079 5,769,803 7,212,333 ,eìh hq;= oE 4,714,573 2,195,402 5,029,529 2,448,402 fmd,S i|yd NdKavd.drfhka ,eìh hq;= oE ^fcHIaG mqrjeis& 12,066,623 8,150,352 12,066,623 8,150,352 ;ekam;= iy l,ska f.ùï 273,541 363,458 273,541 363,458 uyd NdKavd.drhg f.jk ,o w;a;sldrï îgyk - w& 4,160,000 4,480,000 4,160,000 4,480,000 úY%du wruqo, II i|yd f.jk ,o w;a;sldrï îgyk 36& 260,021 46,384 260,021 46,384 úúO Kh .e;sfhda 17,633 27,436 17,633 27,436 fmr f.jQ fiajl Kh - Èk 01 fmd,sh 3,790,398 3,115,069 3,790,398 3,115,069 fjk;a ,eìh hq;= oE 165,136 133,509 165,136 133,509

tl;=j 31,209,216 25,695,689 31,532,684 25,976,944

igyk ^w&

uyd NdKavd.drfha b,a,Su wkqj nexl=j úiska 2012 j¾Ifha remsh,a ñ,shk 6"000 la iy 2013 j¾Ifha remsh,a ñ,shk 2"000 la w;a;sldrï jYfhka

uyd NdKavd.drhg f.jk ,o w;r" uyd NdKavd.drh úiska ;yjqre lrk ,o mßÈ th 2014 j¾Ifha mgka j¾I 6 l ld,hla ;=< ,dNhg tfrysj

.,mkq ,efí' 2016 ckjdß 1 Èk isg n,meje;afjk mßÈ j¾I 10 l ld,hla ;=< ,dNhg tfrysj remsh,a ñ,shk 5"333 l fYaIh .e,mSug uyd

NdKavd.drh tlÕù we;' wk;=rej 2017 ckjdß 1 Èk isg n,meje;afjk mßÈ j¾I 15 l ld,hla ;=< ,dNhg tfrysj remsh,a ñ,shk 4"800 l

fYaIhla .e,mSug NdKavd.drh tlÕ ù we;'

31 nexl=j,g f.úh hq;=

.sKqïlrK m%;sm;a;s

whsrd myiqlï" talaIK Kh" nexl=j,ska Kh .ekSï iy md,s; iud.fuys m%;sñ,§ .ekqï óg we;=,;a fõ' uQ,sl y÷kd.ekSfuka wk;=rej"

iM, fmd,S wkqmd;sl l%uh fhdod .ksñka ;ekam;= tajdfhys l%uCIh msßjehg .Kkh lrkq ,nhs' fïjd u; f.úh hq;=$f.jQ fmd,sh wdodhï

m%ldYkfhys fmd,S úhoï hgf;a y÷kd.kq ,efí' jd¾;d lrkq ,nk Èkg mj;sk úfoaY úksuh Kh" tÈkg mj;sk uQ,H úksuh wkqmd;fhka

jHjydßl uqo,a j,g mßj¾;kh flfrhs' jd¾;d lrk Èkg h<s mßj¾;kh lsÍu u; mek k.sk úfoaY uqo,a w.fhys fjki ,dNh fyda w,dNh

hgf;a y÷kd.kq ,nhs'

nexl=j iuQyh


re' Z000

2017

re' Z000

2018

re' Z000

2017

re' Z000

úfoaY úksuh Kh .ekSï îgyk 31'1& 18,183,425 – 18,183,425 –m%;s ñ,§ .ekSï .súiqï hgf;a úl==KQ iq/l=ïm;a 58,852,946 48,416,152 65,349,064 49,172,135fjk;a myiqlï 82,775 180,439 82,775 180,439

tl;=j 77,119,146 48,596,591 83,615,264 49,352,574




31' nexl=j,g f.úh hq;= îïnkaOhs&

31'1 úfoaY úksuh Kh .ekSï

Kh fokq ,nk wdh;kh

Kh jákdlu

^we'fvd'&

Kh ,nd.;a

Èkh

l,amsfrk

Èkh

fldu¾ia nEkala *hskEkaia wekaâ lj¾â fndkaâ tia'ta' ñ,shk 100 31.10.2018 31.10.2021

32 jHq;amkak uQ,H WmlrK

nexl=j iy iuQyh

foieïn¾ 31 Èkg j.lSï

2018

re' Z000

l,ams; w.h

2018

re' Z000

j.lSï

2017

re' Z000

l,ams; w.h

2017

re' Z000

fmd,S wkqmd;sl jHq;amkak

fmd,S wkqmd;sl jHq;amkak yqjudre .súiqï 1,533 2,000,000 – –

úfoaY úksuh jHq;amkak

úksuh yqjudre .súiqï îgyka wxl 19'2& – – 817,737 38,201,771 úksuh yqjudre bÈß .súiqï – – 139,200 3,064,600

tl;=j 1,533 2,000,000 956,937 41,266,371

32'1 fmd,SS wkqmd;sl yqjudre .súiqï (Swap)

úia;rh fmd,S wkqmd;sl yqjudre .súiqï f;dr;=re

fmd,S wkqmd;sl yqjudre .súiqï WmlrK iumd¾Yaúlh – ã' t*a' iS' iS' nexl=j

ld,sms; w.h – Y%S ,xld remsh,a ñ,shk 2"000

fmd,S wkqmd;sl yqjudre .súiqï whs;uh ã' t*a' iS' iS' nexl=j fj;ska Y%S ,xld fg,sfldï fj; ld,Sk Kh

ñ,shk 2"000

uqo,a m%jdy cks; ùug wfmaCIs; ld,iSudj w¾O jd¾Isl fmd,S f.ùu

.súiqu wjika lsÍu 2021 fmnrjdß 20

mdol fmd,S wkqmd;slh idudkH nr ;enQ uQ,sl Kh wkqmd;slh udi 06 (AWPLR)

33 ,dN$w,dN u`.ska y`ÿkd.;a uQ,H j.lSï

.sKqïlrK m%;sm;a;s

nexl=j yd iuQyh i;=j ,dNh$w,dNh u.ska y`ÿkd.;a uQ,H j.lSï hg;g .efkk WmlrK fkdue;'




34 l%uCIh msßjeh u; uQ,H j.lSï

.sKqïlrK m%;sm;a;s

ld,Sk ;ekam;= iy b;=reï ;ekam;= fjk;a ;ekam;alrejkag f.úh hq;= oE hkakg wh;a fõ' uQ,sl y÷kd.ekSfuka wk;=rej" iM, fmd,S

wkqmd;sl l%uh fhdod .ksñka ;ekam;= tajdfhys l%uCIh msßjehg .Kkh lrkq ,nhs' ;ekam;= u; f.jQ$f.úh hq;= fmd,S wdodhï m%ldYfhys

fmd,S úhoï hgf;a y÷kd.kq ,efí'

m%;sñ,§ .ekSï .súiqï hgf;a úl=Kk ,o iq/l=ïm;a

wkd.;fha ksYaÑ; Èkhl m%;s ñ,§ .ekSfï .súiqu hgf;a úl=Kk ,o iq/l=ïm;a" uQ,H ;;a;ajh ms<sn|j m%ldYfhys jd¾;d lsÍu w;ayeÍu isÿ

fkdlrkq ,nhs' ukaoh;a" tu ysñlfuys ish¨ ie,lsh hq;= wjodkï yd m%;s,dN iuQyh úiska r|jd .kakd neúks' Bg wod<j ysñjk uqo,a" taldnoaO

uQ,H ;;a;ajh ms<sn|j m%ldYfhys iuQyhg ,ndÿka Khla f,i ms<sìUqq lrñka uQ,H j.lSï jYfhka olajkq ,nhs' fuys§ .kqfokqfjys wd¾Òl h:d

iajNdjh ms<sìUq lrñka WmÑ; fmd,sh" m%;sñ,§ .eKqï .súiqï hgf;a úl=Kk ,o iq/l=ïm;a hgf;a j.lSula f,i we;=<;a flfrhs' úl=Kqï ñ,

iy m%;sñ<§ .eKqï ñ, w;r fjki fmd,S úhoï f,i i,lkq ,nk w;r" .súiqfuys ld,iSudj mqrdjg iM, fmd,S wkqmd;h Ndú;fhka WmÑ;

lrkq ,nhs'

nexl=j iuQyh


re' Z000

2017

re' Z000

2018

re' Z000

2017

re' Z000

;ekam;alrejkag f.úh hq;= 839,574,411 737,212,640 839,574,411 737,212,640Kh iq/l=ïm;a ysñhkag f.úh hq;= – – – –

fjk;a Kh .ekSï i|yd f.úh hq;= 14,804,802 12,837,008 21,750,178 17,545,212

tl;=j 854,379,213 750,049,648 861,324,589 754,757,852

) m%;sñ,§ .eKqï .súiqï hgf;a úl=Kk ,o iq/l=ïm;a" fjk;a Kh .ekSï i|yd f.úh hq;= ldKavh ksfhdackh lrhs'

34'1 ;ekam;alrejkag f.úh hq;= uqo,a úYaf,aIKh

nexl=j iuQyh


re' Z000

2017

re' Z000

2018

re' Z000

2017

re' Z000

34'1 ^w& ksuejqï jYfhka úYaf,aIKh

b;=reï ;ekam;= 198,321,926 188,191,882 198,321,926 188,191,882 ia:djr ;ekam;= 641,252,485 549,020,758 641,252,485 549,020,758

tl;=j 839,574,411 737,212,640 839,574,411 737,212,640

nexl=j iuQyh


re' Z000

2017

re' Z000

2018

re' Z000

2017

re' Z000

34'1' ^wd& jHjydßl uqo,a jYfhka úYaf,aIKh

YS% ,xld remssh,a 828,694,912 727,849,199 828,694,912 727,849,199 weußldkq fvd,¾ 7,341,154 5,924,264 7,341,154 5,924,264 hQfrda 1,314,681 1,211,334 1,314,681 1,211,334 uyd ì%;dkH mjqï 1,195,739 1,207,599 1,195,739 1,207,599 íafÜ%,shdkq fvd,¾ 1,027,574 1,020,083 1,027,574 1,020,083 cmka fhka 351 161 351 161

tl;=j 839,574,411 737,212,640 839,574,411 737,212,640




35 ksl=;al< Kh iq/l=ïm;a

nexl=j iuQyh


re' Z000

2017

re' Z000

2018

re' Z000

2017

re' Z000

nexl=j úiska ksl=;a l<

ksl=;al< fcHIaG neªïlr îgyka wxl 35'1& 46,382,722 156,702,616 46,382,722 156,702,616 hg;ald,Sk j.lSï îgyka wxl 35'2& 6,006,411 6,006,411 6,006,411 6,006,411

fjk;a mßmd,k iud.ï úiska ksl=;a l< – – – –

tl;=j 52,389,133 162,709,027 52,389,133 162,709,027

tla jirla ;=< f.úh hq;= 46,389,133 118,401,527 46,389,133 118,401,527jirlska miqj f.úh hq;= 6,000,000 44,307,500 6,000,000 44,307,500

tl;=j 52,389,133 162,709,027 52,389,133 162,709,027

35'1 fcHIaG ne÷ïlr (Senior Notes) ksl=;a lsÍï

.sKqïlrK m%;sm;a;s

§¾> ld,Sk wruqo,a wjYH;d u; nexl=j úiska cd;Hka;r ne÷ïlr ^weußldkq fvd,¾ tall& u`.ska Khg .kq ,nk wruqo,a fï u`.ska ksfhdackh

fjhs' uQ,sl y÷kd.ekSfuka wk;=rej iM, fmd,S wkqmd;sl l%uh fhdod .ksñka ksl=;a lrk ,o fcHIaG ne÷ïlr tajdfhys l%uCIh msßjehg

.Kkh lrkq ,nhs' f.jk ,o$f.úh hq;= fmd,sh" ,dN fyda w,dN hgf;a y÷kd.kq ,nhs'

jd¾;dlrK Èkg mj;sk úfoaY uqo,a Kh iq/l=ïm;a" tÈkg mj;sk uOH úksuh yqjudre wkqmd;h Ndú;fhka jHjydßl uqo,a j,g mßj¾;kh

flfrhs' jd¾;dlrK Èkg h,s mßj¾;kh lsÍu u; mekk.sk úfoaY uqo,a w.fhys fjki ,dNh fyda w,dNh hgf;a y÷kd.kq ,efí'

jd¾Isl M,odhS;dj nexl=j iuQyh

ldKavh m%ldYs;

w.h

fmd,S

wkqmd;slh

]

wdmiq

f.ùfï Èkh

ksl=;a l<

Èkh

l,a msfrk

Èkh

2018

]

2017

]

2018

re' Z000

2018

re' Z000

2018

re' Z000

2018

re' Z000

nexl=j úiska kssl=;a l<

weußlka fvd,¾ ñ,shk

750 l fÊHIaG ne÷ïlr

(Senior notes)

we'fvd' ñ,shk 750

8.875 l,a msÍfï§ 2013ima;eïn¾

18

2018 ima;eïn¾

18

8.88 8.88 – 117,831,970 – 117,831,970

weußlka fvd,¾ ñ,shk

250 l fÊHIaG ne÷ïlr

(Senior notes)

we'fvd' ñ,shk 250

5.150 l,a msÍfï§ 2014ima;eïn¾

10

2019ima;eïn¾

10

5.21 5.21 46,382,722 38,870,646 46,382,722 38,870,646

46,382,722 156,702,616 46,382,722 156,702,616




35' ksl=;al< Kh iq/l=ïm;a îïnkaOhs&

35'2 hg;ald,Sk j.lSï

.sKqïlrK m%;sm;a;s

È.=ld,Sk wruqo,a wjYH;d i|yd iuQyh úiska Khg .kq ,enQ wruqo,a fï u`.ska ksfhdackh fõ' ,dN fyda w,dN u.ska idOdrK w.hg iuQyh

úiska kshu lrkq ,nk wjia:dj,§ yerKqfldg uQ,sl y÷kd.ekSfuka wk;=rej fuu wruqo,a iM, fmd,S wkqmd;sl l%uh Wmfhda.S lr.ksñka tys

l%uCIh msßjehg .Kkh lrkq ,nhs'

Khlr ksl=;a lsÍfuys uQ,sl wruqK jkqfha m%d.aOk m%udKd;aul;d wkqmd; by< kexùu i|yd yd nexl=fjys j;alï yd j.lSï l<U w;r"

l,amsÍïys fkd.e,mSï wvqlsÍu i|yd nexl=fõ m%d.aOkh by< kxjd,Suhs'

nexl=j fuu ksl=;=j, uq¿ m%;smdok Ndú;h ;=<ska idudkH jHdmdßl lghq;= j, j;alï ixÑ;h jHdma; lr .ekSug woyia lrhs'

2018 foieïn¾ 31 Èk nexl=fõ hg;ald,Sk j.lSï" 1971 wxl 30 ork cd;sl b;sßlsÍfï nexl= mkf;ys m%;smdok hgf;a fm!oa.,sl ia:dmk f,i

2016 foieïn¾ 29 Èk ksl=;a lrk ,o re' 100$- fY%aKs.; l< iq/l=ï rys; hg;ald,Sk iy ksoyia l< yels Khlr re' 6"000"000"000 j,ska

iukaú; fõ' tka' tia' î' *kaâ uefkaÊukaÜ lïmks ,sñgâ fuu hg;ald,Sk j.lSï ksl=;a lsÍfï NdrldÍ;ajh orhs' ,xld *sÉ f¾áka wdh;kh

fuu j.lSu AA+(lka) hg;g j¾.SlrKh lr we;'

ldKavh kdñl

w.h

fmd,S

wkqmd;slh

wdmiq f.ùfï

kshuhka

ksl=;a l<

Èkh

l,a msÍfï

Èkh

jd¾Isl M,odhS;dj nexl=j iuQyh

2018

]

2017

]

2018

re' Z000

2018

re' Z000

2018

re' Z000

2018

re' Z000

nexl=j úiska kssl=;a

l<

ia:djr wkqmd;slh

13]

6,000,000 13% jd'fmd'

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2016foieïn¾

29

2021 foieïn¾

29 13.42 13.42 6,000,000 6,000,000 6,000,000 6,000,000

6,000,000 6,000,000 6,000,000 6,000,000

ksl=;a lrkakdf.a úiqrejd yeÍul§" by; j.lSï ksl=;a lrkakdf.a ishü Kh ysñhka iy ;ekam;alrejkaf.a b,a,Sï j,g hg;a jkq we;'

36 fiajdjidk m%;s,dN ne|Sï

.sKqïlrK m%;sm;a;s

Ôj.Kl ;lafiare l< jydu wruqo,a fkdfh¥ miq.sh fiajd msßjeh fjk;a úia;SrK wdodhïys y`ÿkd.kq ,nhs'

nexl=j iuQyh


re' Z000

2017

re' Z000

2018

re' Z000

2017

re' Z000

úY%du jegqma fhdackd l%uh I i|yd m%;smdok [igyka 36.(w).1.] 2,596,088 2,750,601 2,596,088 2,750,601úY%du jegqma fhdackd l%uh II i|yd m%;smdok [igyka 36 (w).2.] – – – –úY%dñl ffjoHdOdr fhdackd l%uh i|yd m%;smdok [igyka 36.(w).3.] 1,234,707 960,830 1,234,707 960,830mdßf;daIsl i|yd m%;smdok [igyka 36.(w).4.] – – 1,982 1,234

tl;=j 3,830,795 3,711,431 3,832,777 3,712,665




36' fiajdjidk m%;s,dN ne`§ï îïnkaOhs&

36' ^w& ks¾jÑ; m%;s,dN ie,iqï

nexl=j i;=j fiajdjidk m%;s,dN fhdackd l%u folla mj;S' tajd 1995 Tlaf;dan¾ 01 Èkg m%:u fiajhg ne÷kq iaÓr fiajlhska i|yd jk úY%du

jegqma fhdackd l%uh I iy 1995 Tlaf;dan¾ 01 Èkg miqj fiajhg ne÷kq iaÓr fiajlhska i|yd jk úY%du jegqma fhdackd l%uh II f,i oelaúh yels

w;r" úY%dñl fiajlhska i|yd jk ffjoHdOdr fhdackd l%uhlao nexl=j i;=j mj;S'

fulS fhdackd l%uj, j;alï" nexl=fõ j;alï j,ska iajdëkj mj;sk w;r" wod< wruqo,aj, kS;sÍ;s$Ndr Tmamqj, m%;smdok m%ldr l<ukdldß;ajh

yd nexl= fiajlhska ksfhdackh jk l<ukdlrejka$Ndrldr uKav,hla u`.ska mßmd,kh flfrhs'

fuu wruqo,aj, md,s; kS;s m%ldr wju jYfhka jir 02 lg jrla Ôj.Kl ;lafiarejla isÿ l< hq;= jk w;r" idudðlhska úiska m;a l, nexl=fõ

ú.Kk lghq;=j,ska iajdëk jQ jr,;a .KldêldÍ wdh;khla fyda wdh;k u.ska isÿ lrkq ,nk jd¾Isl ú.Kk j,g fulS wruqo,a n÷ka fõ'

36' ^w& 1' cd;sl b;ssßlsÍfï nexl=fõ fiajl úY%du jegqma fhdackd l%uh I úY%du jegqma fhdackd l%uh 1

Ôj.Kl we.hSu" weußld tlai;a ckmo Ôj.Kl ix.ufhys wê idudðl" msh,a tia' .=K;s,l iy iud.fuys msh,a tia' .=K;s,l uy;d úiska

2018 foieïn¾ 31 Èk isÿ lrk ,§'

2018 foieïn¾ 31 Èkg fiajlhska úiska Wmhd.kq ,enQ wfmalaIs; m%;s,dNhkays Ôj.Kl j;auka w.h .Kkh lsÍu i|yd m%laafCIams; tall m%;s,dN

l%uh Wmfhda.S lr.kakd ,§'

nexl=j iuQyh


re' Z000

2017

re' Z000

2018

re' Z000

2017

re' Z000

^w& uQ,H ;;a;ajh ms<sn| m%ldYfhys y÷kd.kq ,enQ Y=oaO j;alï$^j.lSï&

ksYaÑ; m%;s,dN ne|Sïys j;auka w.h (16,184,005) (16,303,208) (16,184,005) (16,303,208)ie,iqï.; j;alïj, idOdrK w.h 13,587,917 13,552,607 13,587,917 13,552,607

tl;=j (2,596,088) (2,750,601) (2,596,088) (2,750,601)

^wd& wdodhï m%ldYfhys y÷kd.;a w.h

m%j¾;k fiajd msßjeh 117,515 137,244 117,515 137,244m%;s,dN ne|Sï u; fmd,S msßjeh 405,421 254,833 405,421 254,833.e,mSï – – – –

Y=oaO m%;s,dN úhoï 522,936 392,077 522,936 392,077

^we& fjk;a úia;S¾K wdodhïys y÷kdf.k we;s m%udKh

m%;smdok .e,mSï – – – –m%;HCI ^,dN&$w,dN 801,418 526,139 801,418 526,139Wml,amkhkaf.a fjkiaùï u; ^,dN&$w,dN (1,105,366) 1,062,775 (1,105,366) 1,062,775ie,iqï.; j;alï u; cSj.Kl ,dN$^w,dN& 149,435 (90,866) 149,435 (90,866)ie,iqï.; j;alï u; fmd,S wdodhfuys fjki – – – –

tl;=j (154,513) 1,498,048 (154,513) 1,498,048





36' ^w& ks¾jÑ; m%;s,dN ie,iqï îïnkaOhs&

36' ^w& 1' cd;sl b;ssßlsÍfï nexl=fõ fiajl úY%du jegqma fhdackd l%uh I îïnkaOhs&

nexl=j iuQyh

2018

re' Z000

2017

re' Z000

2018

re' Z000

2017

re' Z000

^wE& ie,iqï.; j;alïj, idOdrK w.fhys fjkiaùï my; mßÈ fõ

ie,iqï.; j;alïj, idOdrK w.fhys wdrïNl w.h 13,552,607 13,198,392 13,552,607 13,198,392ie,iqï.; j;alïj, wfmaCIs; m%;s,dN 1,387,932 1,479,280 1,387,932 1,479,280;:H fiajH odhl;ajh 522,936 392,077 522,936 392,077f.jQ m%;s,dN (1,726,123) (1,608,008) (1,726,123) (1,608,008)ie,iqï.; j;alï u; Ôj.Kl ,dN$^w,dN& (149,435) 90,866 (149,435) 90,866

ie,iqï.; j;alïj, idOdrK w.fhys wjidk fYaIh 13,587,917 13,552,607 13,587,917 13,552,607

^b& ks¾jÑ; m%;s,dN ne|Sïj, j;auka w.fhys

fjkiaùï my; mßÈ fõ

ks¾jÑ; m%;s,dN ne`§fuys wdrïNl fYaIh 16,303,208 14,450,945 16,303,208 14,450,945fmd,S msßjeh 1,793,353 1,734,113 1,793,353 1,734,113m%j¾;k fiajd msßjeh 117,515 137,243 117,515 137,243f.jQ m%;s,dN (1,726,123) (1,608,008) (1,726,123) (1,608,008)Wml,amkhkaf.a fjkiaùï u; ^,dN&$w,dN (1,105,366) 1,062,775 (1,105,366) 1,062,775ne`§ï u; Ôj.Kl ^,dN&$w,dN 801,418 526,140 801,418 526,140

ks¾jÑ; m%;s,dN ne|Sïj, wjidk fYaIh 16,184,005 16,303,208 16,184,005 16,303,208

^B& ie,iqï.; j;alïj,g my; whs;uhka we;=<;ah

NdKavd.dr ne÷ïlr 6,918,796 7,438,650 6,918,796 7,438,650NdKavd.dr ì,am;a – 237,424 – 237,424ia:djr ;ekam;= 501,333 267,939 501,333 267,939m%;súl=Kqï .súiqï hgf;a ñ<g.;a iq/l=ïm;a 139,087 242,285 139,087 242,285Khlr 5,816,455 4,699,545 5,816,455 4,699,545Ndrldr iy;slm;a 103,063 100,000 103,063 100,000nexl= ;ekam;= 82 52 82 52

fjk;a j;alï 109,101 566,712 109,101 566,712

tl;=j 13,587,917 13,552,607 13,587,917 13,552,607

úY%du jegqma fhdackd l%uh I2018

úY%du jegqma fhdackd l%uh I2017

^W& Ôj.Kl Wml,amk

bÈß jd¾Isl jegqma j¾Ol wkqmd;slh ^]& 6.50 6.50jÜgï wkqmd;slh ^]& 12.00 11.00Ôjk úhoï §ukdfjys bÈß jeäùu ^]& 4.50 4.50u¾;H;dj GA 1983 u¾;H;d j.=j GA 1983 u¾;H;d j.=j

úY%du hdfï jhi wjqreÿ 57 wjqreÿ 57idudkH f.ùï l%uh udislj udislj






36' ^w& 1' cd;sl b;ssßlsÍfï nexl=fõ fiajl úY%du jegqma fhdackd l%uh I

fiajl msßjegqï wkqmd;slh

jhi 2018 %

2017 %

20 2 2 25 1.5 1.5 30 1 1 35 1 1 40 1 1 45 1 1 50 1 1 55 – –

^W!& my; oelafjk Wml,amkhkaf.a jeäùu$wvqùu u`.ska ks¾jÑ; m%;s,dN ne`§ïj, j¾;udk w.h u; we;s flfrk n,mEu" my; mßÈ

úia;rd;aulj ±laúh yelsh'

nexl=j iy iuQyh 2018 nexl=j iy iuQyh 2017

úY%du jegqma fhdackd l%uh I úY%du jegqma fhdackd l%uh I

1] jeäùu 1] wvqùu 1] jeäùu 1] wvqùu

bÈß jd¾Isl jegqma j¾Ol wkqmd;slh 16,239,064 16,131,138 16,333,406 16,274,156 jÜgï wkqmd;slh 15,206,625 17,289,679 15,240,433 17,513,994

36' ^w& 2' cd;sl b;sßlsÍfï nexl=fõ fiajl úY%du jegqma fhdackd l%uh II Ôj.Kl we.hSu weußld tlai;a ckmo Ôj.Kl ix.ufhys wê idudðl" msh,a tia' .=K;s,l iy iud.fuys msh,a tia' .=K;s,l uy;d úiska 2018

foieïn¾ 31 Èk isÿ lrk ,§'

2018 foieïn¾ 31 Èkg fiajlhska úiska Wmhd.kq ,enQ wfmalaIs; m%;s,dNhkays Ôj.Kl j;auka w.h" .Kkh lsÍu i|yd m%laafCIams; tall

m%;s,dN l%uh Wmfhda.S lr.kakd ,§'

nexl=j iuQyh


re' Z000

2017

re' Z000

2018

re' Z000

2017

re' Z000

^w& uQ,H ;;a;ajh ms<sn| m%ldYfhys y`ÿkdf.k we;s

Y=oaO j;alï$^j.lSï&

ks¾jÑ; m%;s,dN ne|Sïj, j;auka w.h (1,918,831) (1,481,223) (1,918,831) (1,481,223)ie,iqï.; j;alïj, idOdrK w.h 2,178,685 1,527,607 2,178,685 1,527,607.e,mSï 167 – 167 –

tl;=j 260,021 46,384 260,021 46,384

^wd& wdodhï m%ldYfhys y÷kdf.k we;s m%udKh

m%j¾;k fiajd msßjeh 172,533 106,574 172,533 106,906m%;ss,dN ne|Sï u; fmd,S msßjeh (4,747) (9,334) (4,747) (9,334)

Y=oaO m%;s,dN úhoï 167,786 97,240 167,786 97,572






36' ^w& 1' cd;sl b;ssßlsÍfï nexl=fõ fiajl úY%du jegqma fhdackd l%uh II îïnkaOhs&

nexl=j iuQyh


re' Z000

2017

re' Z000

2018

re' Z000

2017

re' Z000

^we& fjk;a úia;S¾K wdodhïys y÷kdf.k we;s m%udKh

m%;smdok .e,mSï – – – –m%;HCI ^,dN&$w,dN 463,865 16,090 463,865 16,090Wml,amkhkaf.a fjkiaùï u; ^,dN&$w,dN (355,768) 236,887 (355,768) 236,887ie,iqï.; j;alï u; Ôj.Kl ,dN$^w,dN& (15,379) 4,947 (15,379) 4,947ie,iqï.; j;alï u; fmd,S wdodhfuys fjki – – – –

tl;=j 92,718 257,924 92,718 257,924

^wE& ie,iqï.; j;alïj, idOdrK w.fhys fjkiaùï my; mßÈ fõ

ie,iqï.; j;alïj, idOdrK w.fhys wdrïNl w.h 1,527,607 1,086,586 1,527,607 1,086,586ie,iqï.; j;alïj, wfmaCIs; m%;s,dN 167,682 130,046 167,682 130,046;:H fiajH odhl;ajh 473,974 321,223 473,974 321,223f.jQ m%;s,dN (5,957) (5,302) (5,957) (5,302)ie,iqï.; j;alï u; Ôj.Kl ,dN$^w,dN& 15,379 (4,947) 15,379 (4,947)

ie,iqï.; j;alïj, idOdrK w.fhys wjidk fYaIh 2,178,685 1,527,607 2,178,685 1,527,607

^b& ks¾jÑ; m%;s,dN ne|Sïj, j;auka w.fhys fjkiaùï my; mßÈ fõ

ks¾jÑ; m%;s,dN ne|Sfuys wdrïNl fYaIh 1,481,223 1,005,930 1,481,223 1,005,930fmd,S msßjeh 162,935 120,712 162,935 120,712m%j¾;k fiajd msßjeh 172,533 106,906 172,533 106,906f.jQ m%;s,dN (5,957) (5,302) (5,957) (5,302)Wml,amkhkaf.a fjkiaùï u; ^,dN&$w,dN (355,768) 236,887 (355,768) 236,887ne|Sï u; Ôj.Kl ^,dN&$w,dN 463,865 16,090 463,865 16,090

ks¾jÑ; m%;s,dN ne`§ïj, wjidk fYaIh 1,918,831 1,481,223 1,918,831 1,481,223

^B& ie,iqï.; j;alïj,g my; whs;uhka we;=<;ah

NdKavd.dr ne÷ïlr 1,864,180 1,376,780 1,864,180 1,376,780NdKavd.dr ì,am;a 37,418 – 37,418 –ia:djr ;ekam;= 225,867 140,747 225,867 140,747m%;súl=Kqï .súiqï hgf;a ñ<§ .;a iq/l=ïm;a 74,632 2,161 74,632 2,161b;=reï 56 1,006 56 1,006fjk;a j;alï (23,468) 6,913 (23,468) 6,913

tl;=j 2,178,685 1,527,607 2,178,685 1,527,607






36' ^w& 1' cd;sl b;ssßlsÍfï nexl=fõ fiajl úY%du jegqma fhdackd l%uh II îïnkaOhs&

úY%du jegqma fhdackd l%uh II2018

úY%du jegqma fhdackd l%uh II2017

^W& Ôj.Kl Wml,amk

bÈß jd¾Isl jegqma j¾Ol wkqmd;slh ^]& 6.50 6.50jÜgï wkqmd;slh ^]& 12.00 11.00Ôjk úhoï §ukdfjys bÈß jeäùu ^]& 4.50 4.50u¾;H;dj GA 1983 u¾;H;d j.=j GA 1983 u¾;H;d j.=j

úY%du hdfï jhi wjqreÿ 57 wjqreÿ 57idudkH f.ùï l%uh udislj udislj

fiajl msßjegqï wkqmd;slh

jhi 2018 %

2017 %

20 2 2 25 1.5 1.5 30 1 1 35 1 1 40 1 1 45 1 1 50 1 1 55 – –

^W!& my; oelafjk Wml,amkhkaf.a jeäùu$wvqùu u`.ska ks¾jÑ; m%;s,dN ne|Sïj, j¾;udk w.h u; we;s flfrk n,mEu" my; mßÈ

úia;rd;aulj ±laúh yelsh'

nexl=j iy iuQyh

2018 2017


bÈß jd¾Isl jegqma j¾Ol wkqmd;slh 2,153,504 1,718,957 1,666,712 1,323,749jÜgï wkqmd;slh 1,636,760 2,274,599 1,244,336 1,784,570

36' ^w& 3' cd;sl b;sßlsÍfï nexl=fõ úY%dñl fiajlhska i|yd jk ffjoHdOdr fhdackd l%uh

Ôj.Kl we.hSu weußld tlai;a ckmo Ôj.Kl ix.ufhys wê idudðl" msh,a tia' .=K;s,l iy iud.fuys msh,a tia' .=K;s,l uy;d úiska

2018 foieïn¾ 31 Èk isÿ lrk ,§'

2018 foieïn¾ 31 Èkg fiajlhska úiska Wmhd.kq ,enQ wfmalaIs; m%;s,dNhkays Ôj.Kl j;auka w.h" .Kkh lsÍu i|yd m%laafCIams; tall

m%;s,dN l%uh Wmfhda.S lr.kakd ,§'






36' ^w& 3' cd;sl b;sßlsÍfï nexl=fõ úY%dñl fiajlhska i|yd jk ffjoHdOdr fhdackd l%uh îïnkaOhs&


re' Z000

2017

re' Z000

^w& uQ,H j;alï ms<sn| m%ldYfhys y`ÿkdf.k we;s Y=oaO j;alï$^j.lSï&

ks¾jÑ; m%;s,dN ne`§ïj, j;auka w.h (1,523,918) (1,230,477)ie,iqï.; j;alïj, idOdrK w.h 289,211 283,336

wvql,d

fiajl odhl;ajh – (13,689)

tl;=j (1,234,707) (960,830)

^wd& wdodhï m%ldYfhys y÷kdf.k we;s jákdlu

m%j¾;k fiajd msßjeh 24,475 9,393m%;ss,dN ne|Sï u; fmd,S msßjeh 111,195 86,715

Y=oaO m%;s,dN úhoï 135,670 96,108

^we& fjk;a úia;S¾K wdodhïys y÷kdf.k we;s jákdlu

m%;smdok .e,mSï (28,608) –m%;HCI ^,dN&$w,dN 467,826 235,163Wml,amkhkaf.a fjkiaùï u; ^,dN&$w,dN (132,004) 94,023ie,iqï.; j;alï u; Ôj.Kl ,dN$^w,dN& (10,960) (12,733)

tl;=j 296,254 316,452

^wE& ie,iqï.; j;alïj, idOdrK w.fhys fjkiaùï my; mßÈ fõ'

ie,iqï.; j;alïj, idOdrK w.fhys wdrïNl w.h 283,336 300,986 ie,iqï.; j;alïj, wfmaCIs; m%;s,dN 21,010 25,820 ;:H fiajH odhl;ajh 135,670 96,108 iyNd.slrejkaf.a ;:H odhl;ajh 8,688 6,114 f.jQ m%;s,dN (170,454) (158,425)ie,iqï.; j;alï u; Ôj.Kl ,dN$^w,dN& 10,960 12,733

ie,iqï.; j;alïj, idOdrK w.fhys wjidk fYaIh 289,211 283,336

^b& ks¾jÑ; m%;s,dN ne|Sïj, j;auka w.fhys fjkiaùï my; mßÈ fõ'

ks¾jÑ; m%;s,dN ne|Sfuys wdrïNl fYaIh 1,230,477 937,788m%;smdok .e,mSï (28,608) –fmd,S msßjeh 132,206 112,535m%j¾;k fiajd msßjeh 24,475 9,393f.jQ m%;s,dN (170,454) (158,425)Wml,amkhkaf.a fjkiaùï u; ^,dN&$w,dN (132,004) 94,023ne|Sï u; cSj.Kl ^,dN&$w,dN 467,826 235,163

ks¾jÑ; m%;s,dN ne|Sïj, wjidk fYaIh 1,523,918 1,230,477






36' ^w& 3' cd;sl b;sßlsÍfï nexl=fõ úY%dñl fiajlhska i|yd jk ffjoHdOdr fhdackd l%uh îïnkaOhs&


re' Z000

2017

re' Z000

^B& ie,iqï.; j;alïj,g my; whs;uhka we;=<;ah'

NdKavd.dr ne÷ïlr 214,229 154,270ia:djr ;ekam;= 73,275 99,224m%;súl=Kqï .súiqï hgf;a ñ,g .;a iq/l=ïm;a 10,075 7,615Ndrldr iy;slm;a 31,666 83,342b;=reï 51 484fjk;a f.ùï (40,084) (61,599)

tl;=j 289,211 283,336

^W& Ôj.Kl Wml,amk

ffjoH msßjeh WoaOuk wkqmd;slh ^]& 5.00 5.00 jÜgï wkqmd;slh ^]& 12.00 11.00

36' ^w& 4 mdßf;daIsl ie,iqu – nexl=j iy iuQyh

nexl=j

úY%du jegqma fhdackd l%uh II msysgqùu;a iu. 1995 Tlaf;dan¾ 01 Èk fyda Bg miq fiajhg ne÷Kq fiajlhska úY%du jegqma fhdackd l%uh II ys

idudðlhka jk neúka" fiajdjidk m%;s,dN fhdackd l%ufhys whs;Ska yd jrm%ido i|yd ysñlï lshkq fkd,nhs' flfia jqjo úY%du m%;s,dN i|yd

ysñlï lSug m%:u fiajd mdßf;daIsl f.ùula we;s úg nexl=j tajd uqo,a moku hgf;a y÷kd.kS'

iuQyh

md,s; iud.fuys ld¾h uKav,h úY%du jegqma i|yd ysñlï lshkq fkd,nhs' tfyhska 1983 wxl 12 ork mdßf;daIsl mkf;ys m%;smdok m%ldr Tjqka

mdßf;daIsl ie,iqfuys idudcsl;ajh wLKavj orkq ,nhs'

nexl=j iuQyh

2018

re' Z000

2017

re' Z000

2018

re' Z000

2017

re' Z000

^w& Y=oaO m%;s,dN úhoï ^fiajl uKav, úhoï hgf;a y÷kd.;a&

m%j¾;k fiajd msßjeh – – 202 119m%;s,dN ne|Sï u; fmd,S msßjeh – – 149 125

Y=oaO m%;s,dN úhoï – – 351 244

^wd& fiajd mdßf;daIsl i|yd m%;smdok

ckjdß 01 Èkg ks¾jÑ; m%;s,dN ne|Sï – – 1,234 1,260fmd,S úhou – – 149 125m%j¾;k fiajd msßjeh – – 202 119f.jQ m%;s,dN – – – –ne`§ï u; Ôj.Kl ^,dN&$w,dN – – 397 (270)

foieïn¾ 31 Èkg ks¾jÑ; m%;s,dN ne|Sï – – 1,982 1,234






36' ^w& 4 mdßf;daIsl ie,iqu – nexl=j iy iuQyh îïnkaOhs&

iuQyh

2018

]

2017

]

^we& Ôj.Kl Wml,amk

bÈß jd¾Isl jegqma j¾Ol wkqmd;slh 8.33 6.59jÜgï wkqmd;slh 12.11 10.63u¾;H;dj 0 0

fiajl msßjegqï wkqmd;slh iy bÈß fiajd ld,fhys idudkHh

jhia ldKavh 30-34 35-39 >40fiajl msßjegqï wkqmd;slh 0% 0% 0%bÈß fiajd ld,fhys idudkHh - j¾I 29 25 17

^wE& my; oelafjk Wml,amkhkaf.a jeäùu$wvqùu u`.ska ks¾jÑ; m%;s,dN ne|Sïj, j¾;udk w.h u; we;s flfrk n,mEu my; mßÈ

úia;rd;aulj oelaúh yelsh'

uQ,H m%ldYkfhys i|yka jk w.hka Wmfhda.S lr.kq ,nk uQ,Huh yd uQ,H fkdjk Wml,amkj, fjkiaùïj,g w;sYhskau ixfõ§ fõ'

ixfõ§;d úYaf,aIKhla my; mßÈ isÿ flßKs'

iuQyh

2018 2017


bÈß jd¾Isl jegqma j¾Ol wkqmd;slh 349 (295) 219 (183) jÜgï wkqmd;slh (284) 296 (191) 226

Wml,amk

uQ,H Wml,amk – jÜgï wkqmd;slh" jegqma j¾Ol wkqmd;slh

ckúldi u; mokïjQ Wml,amk – u¾;H;dj" fiajl msßjegqu" wdndê; nj" úY%du .ekSfï jhi

37 m%j¾;k nÿ j.lSï

nexl=j iuQyh


re' Z000

2017

re' Z000

2018

re' Z000

2017

re' Z000

ckjdß 01 Èkg fYaIh – – 137,344 17,153 j¾Ih i|yd whlsÍï – – 2,991 175,692 j¾Ih ;=< f.ùï – – (168,197) (55,501)

foieïn¾ 31 Èkg fYaIh – – (27,862) 137,344

foieïn¾ 31 Èkg fYaIhigyk( m%j¾;k nÿ j;alu fjk;a j;alïj, j¾.SlrKh lr we;'




38 fjk;a m%;smdok

fjk;a m%;smdok hgf;a fy<sorõ lsÍug w.hla fkdue;'

39 fjk;a j.lSï

.sKqïlrK m%;sm;a;s

fmd,S" .dia;= iy úhoï" úY%du jegqma" ksjdvq uqo,a lsÍï yd fjk;a úhoï i|yd isÿ lrkq ,nk m%;smdok fjk;a j.lSï hg;g wh;a fõ'

jd¾;dlrK Èkg f.úhhq;= w.hka wkqj fuu j.lSï jd¾;d .; lr we;'

nexl=j iuQyh


re' Z000

2017

re' Z000

2018

re' Z000

2017

re' Z000

úúO Khysñfhda 172,333 119,903 172,333 119,903l%uCIh fkdjQ úfoaY jHjydr uqo,a yqjudre (Swaps) Èk 1 ,dN$w,dN îgyka wxl 19'2& – 1,099,322 – 1,099,322f.úh hq;= jegqma wdY%s; oE 935,974 654,455 935,974 654,455f.úh hq;= fjk;a nÿ 646,009 771,153 646,009 771,153f.úh hq;= fjk;a 3,692,960 2,705,412 3,698,001 2,749,963

tl;=j 5,447,277 5,350,244 5,452,317 5,394,795

40 md,s; iud.ïj,g f.úh hq;=

nexl=j iuQyh


re' Z000

2017

re' Z000

2018

re' Z000

2017

re' Z000

tka'tia'î' *kaâ uefkacaukaÜ iud.ug f.úh hq;= 750 750 – –

tl;=j 750 750 – –

igyk – msgq wxl 338 ys wdY%s; md¾Yj .kqfokq – igyka wxl 47 ^wd& fj; fhduqjkak'




41 m%ldYs; m%d.aaOkh$mjrk ,o m%d.aaOkh

nexl=j iuQyh


re' Z000

2017

re' Z000

2018

re' Z000

2017

re' Z000

wkqu; l<

ckjdß 01 Èkg tlla re' 10 ne.ska jQ idudkH fldgiaa ì,shk 01 10,000,000 10,000,000 10,000,000 10,000,000

ksl=;a l< yd f.jd ksñ fYaIh ckjdß 01 Èkg

tlla re' 10 ne.ska jQ idudkH fldgiaa ñ,shk 670 6,700,000 6,200,000 6,700,000 6,200,000

j¾Ih ;=< idudkH fldgiaa ksl=;=j

tlla re' 10 ne.ska jQ idudkH fldgiaa ñ,shk 270 2,700,000 500,000 2,700,000 500,000

tl;=j 9,400,000 6,700,000 9,400,000 6,700,000

cd;sl b;sßlsÍfï nexl= mkf;a 47 j.ka;sfhys Wm j.ka;s 3 wkqj" nexl=j úiska re' 10 ne.ska jQ idudkH fldgia ñ,shk 270 la ysñlï fkdmE

;ekam;= ixÑ;h Wmfhda.S lr.ksñka NdKavd.dr f,alï fj; 2018 foieïn¾ 31 Èk ksl=;a lrk ,§' ^msgq wxl 334 ys ysñlï fkdmE ;ekam;=

ixÑ;h igyka wxl 44'1 fj; fhduq jkak'&

42 jHjia:dms; ixÑ; wruqo,

1988 wxl 30 ork nexl= mkf;ys 20 ^1& j.ka;sfhys oelafjk Wmfoia mßÈ jHjia:dms; wruqo, mj;ajdf.k hkq ,efí' ta wkqj nexl=fõ m%ldYs;

m%d.aOkfhka 50] lg iudk jk f;la ,dNdxY m%ldYhg m;a lsÍug fyda ,dNh fjk;a ia:dkhlg udre lsÍug fmr nÿ miq ,dNfhka 5] la o" bka

wk;=rej tu ixÑ; wruqo, nexl=fõ m%ldYs; m%d.aOkhg iudk jkf;la tu ,dNfhka 2] lao jYfhka fjka lrñka jHjia:dms; ixÑ; wruqo,

f.dvk.kq we;'

1988 wxl 30 ork nexl= mkf;ys 20 ^2& j.ka;sfhys ksYaÑ;j olajd we;s wruqKq i|yd muKla jHjia:dms; ixÑ; wruqof,ys fYaIh Ndú;d lrkq

,efí'

nexl=j iuQyh


re' Z000

2017

re' Z000

2018

re' Z000

2017

re' Z000

wdrïNl fYaIh 3,002,952 2,522,467 3,002,952 2,522,467j¾Ih ;=< udrelsÍï – nÿ miq ,dNfhka 5] 225,008 480,485 225,008 480,485

wjika fYaIh 3,227,960 3,002,952 3,227,960 3,002,952




43 r|jd.;a bmehSï

nexl=j iuQyh


re' Z000

2017

re' Z000

2018

re' Z000

2017

re' Z000

ckjdß 01 Èkg fYaIh 1,102,798 2,379,307 1,679,540 3,708,614Y%S ,'uQ'jd'm%' 9 wkq.ukh lsÍfï n,mEu – (1,232,348) – (1,232,437)

Y%S ,'uQ'jd'm%' 9 hgf;a kej; .Kkh l< wdrïNl fYaIh 1,102,798 1,146,959 1,679,540 2,476,177j¾Ih i|yd ,dNh 4,500,151 9,715,961 4,500,187 9,156,396fjk;a úia;S¾K wdodhï (210,861) (2,072,425) (211,258) (2,072,155)fjk;a ixÑ; fj; udre lsÍï (225,008) (2,480,485) (225,016) (2,571,184)cd;sl rCIK Ndr wruqo,g odhl;ajh (45,002) (96,097) (45,002) (96,097),dNdxY u; r|jd .ekSfï nÿ – – – (102,483),dNdxY (500,000) (5,111,114) (500,000) (5,111,114)foieïn¾ 31 Èkg fYaIh 4,622,080 1,102,798 5,198,451 1,679,540

44 fjk;a ixÑ;

nexl=j 2018

2018 ckjdß 1 Èkg

wdrïNl fYaIh

re' Z000

ixp,kùï$udrelsÍï

re' Z000


wjidk fYaIh

re' Z000

fmdÿ ixÑ;h 17,740,879 – 17,740,879m%;Hd.Kk ixÑ;h 7,793,317 – 7,793,317fjk;a úia;S¾K wdodhï ixÑ;h 1,345,237 (816,806) 528,430bÈß /l=ï uqo,a m%jdy ixÑ;h 291,924 (291,924) –úfoaY úksuh mßj¾;k ixÑ;h – – –wfkl=;a ixÑ; îgyk 44'1" 44'2 & 1,118,586 (698,587) 419,999

tl;=j 28,289,941 (1,807,316) 26,482,625

nexl=j 2017

2017 ckjdß 1 Èkg

wdrïNl fYaIh

re' Z000


re' Z000


wjidk fYaIh

re' Z000

fmdÿ ixÑ;h 15,740,879 2,000,000 17,740,879m%;Hd.Kk ixÑ;h 3,296,565 4,496,752 7,793,317fjk;a úia;S¾K wdodhï ixÑ;h 1,378,818 (33,581) 1,345,237bÈß /l=ï uqo,a m%jdy ixÑ;h 1,850 290,074 291,924úfoaY úksuh mßj¾;k ixÑ;h – – –wfkl=;a ixÑ; îgyk 44'1" 44'2 & 725,695 392,891 1,118,586

tl;=j 21,143,806 7,146,136 28,289,941




44' fjk;a ixÑ; îïnkaOhs&

iuQyh 2018

2018 ckjdß 1 Èkg

wdrïNl fYaIh

re' Z000


re' Z000


wjidk fYaIh

re' Z000

fmdÿ ixÑ;h 17,740,879 – 17,740,879m%;Hd.Kk ixÑ;h 7,793,317 – 7,793,317fjk;a úia;S¾K wdodhï ixÑ;h 1,228,420 (838,210) 390,211bÈß /l=ï uqo,a m%jdy ixÑ;h 291,924 (291,924) –úfoaY úksuh mßj¾;k ixÑ;h – – –wfkl=;a ixÑ; îgyk 44'1" 44'2" 44'3 & 1,703,246 (698,578) 1,004,668

tl;=j 28,757,786 (1,828,712) 26,929,074

iuQyh 2017

2017 ckjdß 1 Èkg

wdrïNl fYaIh

re' Z000


re' Z000


wjidk fYaIh

re' Z000

fmdÿ ixÑ;h 15,740,879 2,000,000 17,740,879m%;Hd.Kk ixÑ;h 3,296,565 4,496,752 7,793,317fjk;a úia;S¾K wdodhï ixÑ;h 1,096,758 131,662 1,228,420bÈß /l=ï uqo,a m%jdy ixÑ;h 1,850 290,074 291,924úfoaY úksuh mßj¾;k ixÑ;h – – –wfkl=;a ixÑ; îgyk 44'1" 44'2" 44'3 & 1,219,656 483,590 1,703,246

tl;=j 21,355,707 7,402,077 28,757,786

44'1 ysñlï fkdmE ;ekam;= ixÑ;h

nexl=j iuQyh


re' Z000

2017

re' Z000

2018

re' Z000

2017

re' Z000

wdrïNl fYaIh 1,116,401 723,509 1,116,401 723,509fldgia m%d.aOkhg udrelsÍï (2,700,000) (500,000) (2,700,000) (500,000)j¾Ih ;=< udrelsÍï 2,001,414 892,892 2,001,414 892,892

wjidk fYaIh 417,815 1,116,401 417,815 1,116,401

1995 wxl 28 ork cd;sl b;sßlsÍfï nexl= mkf;a 30 jk j.ka;sfhka ixfYdaê; 1971 wxl 30 ork cd;sl b;sßlsÍfï nexl= mkf;a 47 jk j.ka;sh

m%ldr oi jirl ld,hla b;=reï ;ekam;= fyda ia:djr ;ekam;= .sKqul ksYal%Shj mj;sk wruqo,a" ysñlï fkdmE ;ekam;= ixÑ;hg udre l< hq;=h'

ta wkqj 2018 j¾Ih ;=< remsh,a ñ,shk 2"001'4 l Y=oaO w.hla tu ixÑ;hg udre lr ;sfÄ'




44' fjk;a ixÑ; îïnkaOhs&

44'2 úfYaI ixÑ;h

nexl=j iuQyh


re' Z000

2017

re' Z000

2018

re' Z000

2017

re' Z000

wdrïNl fYaIh 2,185 2,186 2,185 2,186j¾Ih ;=< udrelsÍï (1) (1) (1) (1)

wjidk fYaIh 2,184 2,185 2,184 2,185

ksYal%Sh wruqo,a tl;=j re' 10$- g jvd wvq wjia:dj,§ .kqfokqlrejkaf.a ksÈ .sKqïj,ska udre lrk wruqo,a" úfYaI ixÑ;h u`.ska ksfhdackh

fjhs'

úfYaI ixÑ; yd ysñlï fkdmE ixÑ; m%d.aOkSlrKh l<yels w;r" tf,i m%d.aOkSlD; w.hg iß,k fldgia NdKavd.dr f,alï kug ksl=;a l<

yelsh' ksl=;a l< iy f.jd ksñ fldgia f,i uQ,H ;;a;ajh ms<sn| m%ldYfhys ms<ìUq jk remsh,a ñ,shk 9"400 l fldgia m%d.aOkh ysñlï fkdmE

;ekam;= ixÑ;h jßkajr m%d.aOkSlrKh ;=<ska ksl=;a lrk ,§'

44'3 úfYaI wjodkï ixÑ;h ^tka'tia'î' *kaâ uefkaÊukaÜ lïmks ,sñgâ&

nexl=j iuQyh


re' Z000

2017

re' Z000

2018

re' Z000

2017

re' Z000

wdrïNl fYaIh – – 584,660 493,961 j¾Ih ;=< udrelsÍï – nÿ miq ,dNfhka 25] – – 9 90,699

wjidk fYaIh – – 584,669 584,660

m%d:ñl wf,úlre moaO;sfhys wLKav;djh iqrCIs;nj yd ia:djrFjh j¾Okh msKsi;a" m%d:ñl wf,úlre m%d.aOk ixÑ;h f.dvkexùu i|yd;a

2004 cQ,s 01 Èk isg n,meje;afjk mßÈ m%d:ñl wf,úlrejka úiska Tjqkaf.a nÿ miq ,dNfhka hï m%;sY;hla my; mßÈ jd¾Islj úfYaI wjodkï

ixÑ;hg udre l< hq;= fõ'

I. remsh,a ñ,shk 400 g jvd wvq m%d.aOk wruqo,la mj;ajdf.k hkq ,nk m%d:ñl wf,úlrejka úiska jd¾Islj nÿ miq ,dNfhka 50] la'

II. remsh,a ñ,shk 400 g jvd jeä m%d.aOk wruqo,la mj;ajdf.k hkq ,nk m%d:ñl wf,úlrejka úiska jd¾Islj nÿ miq ,dNfhka 25] la'

nexl=j iuQyh


re' Z000

2017

re' Z000

2018

re' Z000

2017

re' Z000

fjk;a ixÑ;

fjk;a ixÑ; tl;=j 419,999 1,118,586 1,004,668 1,703,246




45 md,kh hg;a fkdjk ysñlu

md,kh hg;a fkdjk ysñlu hgf;a fy<sorõ l<hq;= w.hla fkdue;'

46 wiïNdjH j.lSï yd ne`§ï

.sKqïlrK m%;sm;a;s

Y%S ,'.s'm%' 37 ys ks¾jÑ; wdldrhg wúksYaÑ; wkd.; isÿùula u`.ska meje;au ;yjqre flfrk w;S; isÿùï j,ska mek ke`.sh yels ne|Sula fyda

wd¾Òl m%;s,dN .,dhdfï NjH;djhla fkdue;s fyda ne|Sfï m%udKh úYajdikSh f,i ueksh fkdyels m%j¾;k ne|Sula" wiïNdjH j.lSula f,i

ye|skafõ'

.kqfokqlrejkaf.a uQ,H wjYH;d imqrd,kq msKsi" nexl=j wdmiq yerúh fkdyels úúO ne|Sï iy wiïNdjH j.lSïj,g iïnkaO fõ' fï w;r

uQ,H wemlr" Khjr ,sms iy Kh§u i|yd fjk;a ,nd fkd.;a ne`§ï we;=,;a fõ' Khjr ,sms iy wemlr u.ska idudkHfhka wdkhkhg fyda

wmkhkhg wod< ksYaÑ; lghq;= j,§ .kqfokqlrejka fjkqfjka f.ùï isÿ lsÍug nexl=j fj; ne|Sula we;s lrhs' Kh iïnkaOfhka tl yd

iudk wjodkula wemlr iy Kh fmdfrd;a;= ,sms u.ska we;s flfrhs'

wiïNdjH j.lsï uQ,H ;;a;ajh ms<sn| m%ldYfha y÷kdf.k fkdue;s w;r" tu isÿùu úr, fkdjk úg uQ,H m%ldYkj, fy,sorõ lr we;'

nexl=j iuQyh


re' Z000

2017

re' Z000

2018

re' Z000

2017

re' Z000

Ndú;hg fkd.;a Kh myiqlï fj; ne|Sï 1,579,548 14,963,565 1,579,548 14,963,565fjk;a ne|Sï- jl% Kh myiqlï 57,525 78,648 57,525 78,648m%d.aOk ne|Sï îgyk 46'1& 678,624 1,260,213 678,624 1,260,213

2,315,697 16,302,426 2,315,697 16,302,426

wiïNdjH j.lSï

ixf,aLk Kh 277,937 276,003 277,937 276,003wemlr 1,887,763 1,741,883 1,887,763 1,741,883

2,165,700 2,017,886 2,165,700 2,017,886

ne|Sï iy wiïNdjH;d tl;=j 4,481,397 18,320,312 4,481,397 18,320,312

46'1 m%d.aOk ne`§ï

uQ,H m%ldYhkays m%;smdok fjka fkdlrk ,o wOHCI uKav,h úiska wkqu; l< m%d.aOk úhoï my; mßÈ fõ'

nexl=j iuQyh


re' Z000

2017

re' Z000

2018

re' Z000

2017

re' Z000

wkqu; l< iy .súiqï.; l, 498,624 1,187,213 498,624 1,187,213wkqu; l< kuq;a .súiqï.; fkdl, 180,000 73,000 180,000 73,000

678,624 1,260,213 678,624 1,260,213




47 iïnkaê; md¾Yjhkag wod< fy<sorõ lsÍu

.sKqïlrK m%;sm;a;s

iykodhs wkqmd;sl hgf;a ishü ld¾h uKav,hg fmdÿfõ wod< jk fhdack l%u hgf;a" m%Odk l<ukdlrK msßia úiska isÿ lrk ,o .kqfokq

yer iïnkaê; md¾Yj fy<sorõ lsÍu Y%S ,'.s'm%' 24 wkqj iïnkaê; md¾Yj fy<sorõ lsÍï f,i ks¾jpkh lrkq ,nk md¾Yaj iu. nexl=j úiska

jdKsc wkqmd;slhka m%ldr idudkH jHdmdßl .kqfokq l%shd;aul lrk ,§'

47' ^w& rch iy rdcH md,s; wdh;k iu. .kqfokq

Y%S ,xld rch yd rdcH md,s; wdh;k iu`. j¾Ih i|yd yd uQ,H ;;a;ajh ms<n| m%ldYfhys Èkg mj;sk uQ,H .kqfokq" iduQysl mokula hgf;a

my; fy<sorõ lr we;'

nexl=j iuQyh


re' Z000

2017

re' Z000

2018

re' Z000

2017

re' Z000

j;alï

rchg ÿka Kh 2,075,000 2,075,000 2,075,000 2,075,000rdcH iq/l=ïm;a u; isÿ lrk ,o wdfhdack 523,205,915 550,064,186 538,670,193 556,857,496rcfhaa yd rcfha md,s;hkaf.a wdfhdack 148,027,411 151,145,775 148,027,411 151,145,775m%%;s úl=Kqï .súiqï u; ñ,§ .;a iq/l=ïm;a 1,432,088 1,660,634 1,432,088 1,672,197,eìh hq;= nÿ$^ld,amksl nÿ& 5,761,291 7,184,079 5,769,803 7,212,333;eme,am;sf.a cx.u .sKqu 376,392 351,107 376,392 351,107rchg fjk;a w;a;sldrï f.ùï 4,160,000 4,480,000 4,160,000 4,480,000rcfhka ,eìh hq;= oE – wfkl=;a 14,942,050 8,426,009 14,942,050 8,426,009

699,980,147 725,386,790 715,452,937 732,219,917

j.lSï

m%;s ñ,§ .ekSfï .súiqï hgf;a úl=KQ iq/l=ïm;a 60,456,305 21,708,120 60,456,305 27,297,637

nÿ f.ùï

wdodhï nÿ 3,441,213 4,419,019 3,444,056 4,595,065 tl;= l< w.h u; nÿ 2,577,657 3,082,619 2,584,220 3,168,299 cd;sh f.dvkexùfï nÿ 343,688 411,016 344,563 422,440 Kh wdmiq f.ùfï nÿ 308,371 – 308,371 – taldnoaaO wruqqo,g odhlùï – ,dNdxY$whnÿ 500,000 5,111,114 500,000 5,111,114

7,170,929 13,023,768 7,181,210 13,296,918




47' iïnkaê; md¾Yjhkag wod< fy<sorõ lsÍu îïnkaOhs&

47' ^wd& mßmd,s; iud.u iu. .Kqfokq îS$i tka' tia' î' *kaâ uefkaþukaÜ lïmks ,sñgâ&

nexl=j by; iud.fï fldgia m%d.aOkfhys re' ñ,shk 800 la .sKqï j¾Ih ;=< wdfhdackh lr we;' j¾Ih ;=< iud.u úiska ish wruqo,a"

NdKavd.dr ì,am;a" ne÷ïlr iy m%;s ñ,§ .ekSï WmlrKj, úêu;a mokulska wdfhdackh lr we;' nexl=fõ NdKavd.dr ì,am;a yd ne÷ïlrj,

wdfhdackhka iud.u u`.ska isÿlr we;s w;r ta i|yd fiajd .dia;= jYfhka re' ñ,shk 39'4 la f.jd we;' ^2017 – re' ñ,shk 58'7&

nexl=j úiska tka' tia' î' *kaâ uefkaþukaÜ lïmks ,sñgâ iu`. jd¾;dlrK Èk jk úg my; fYaIhka mj;ajd .kakd ,§'

nexl=j


re' Z000

2017

re' Z000

j;alï

wka;¾ iud.ï cx.u .sKqu 41 51m%%;súl=Kqï .súiqï u; ñ,§ .;a iq/l=ïm;a – 1,564,600m%%;súl=Kqï .súiqï u; ñ,§ .;a iq/l=ïm;a u; ,eìhhq;= fmd,S – 1,326fjk;a ,eîï 164 955

j.lSï

fjk;a f.ùï 750 750

nexl=j


re' Z000

2017

re' Z000

wdodhï

l=,S wdodhu 1,874 1,874fmd,S wdodhï – m%;sj¾;k ñ,§ .ekSï u; 7,885 170,401

úhoï

fiajd .dia;= 39,421 58,747(RTGS) ;;ald,Sk o, mshùï moaO;s .dia;= 992 695w;aNdrlre .dia;= 6,000 6,000Ndrldr .dia;= 500 500m%;sñ,§ .ekSï u; fmd,S úhoï 46,105 –





47' ^we& nexl=fõ mYapd;a fiajd m%;s,dN ie,iqu iu. ne÷kq .kqfokq

j¾Idjidkhg nexl=j yd nexl=fõ mYapd;a fiajd m%;s,dN ie,iqu iu. ne÷kq .kqfokq idrdxY.;j my;ska olajd we;'

nexl=j iuQyh


re' Z000

2017

re' Z000

2018

re' Z000

2017

re' Z000

cd;sl b;sßlsÍfï nexl= fiajl w¾:idOl wruqo,a fhdackd l%uh

j.lSï

ia:djr ;ekam;= 186,800 – 186,800 –m%;súl=Kqï .súiqï hgf;a ñ,§ .;a iq/l=ïm;a – 36,637 – 36,637Khlr 125,000 125,000 125,000 125,000

j;alï

m%;sñ,§ .ekSï u; Kh – 28,068 – 28,068

j.lSï

cd;sl b;sßlsÍfï nexl= fiajl úY%du jegqma fhdackd l%uh Iia:djr ;ekam;= 394,810 394,810 394,810 263,813m%;súl=Kqï .súiqï hgf;a ñ,§ .;a iq/l=ïm;a 139,087 139,087 139,087 242,643Khlr 1,700,000 1,700,000 1,700,000 1,700,000

cd;sl b;sßlsÍfï nexl= fiajl úY%du jegqma fhdackd l%uh IIia:djr ;ekam;= 106,617 140,373 106,617 140,373m%;súl=Kqï .súiqï hgf;a ñ,§ .;a iq/l=ïm;a 74,548 3,137 74,548 3,137

cd;sl b;sßlsÍfï nexl=fõ úY%dñl fiajlhka i|yd jk ffjoHdOdr l%uh

ia:djr ;ekam;= 61,619 101,405 61,619 101,405m%;s úl=Kqï .súiqï hgf;a ñ,§ .;a iq/l=ïm;a 10,075 8,253 10,075 8,253

jekaoUq yd wk;aore úY%du jegqma wruqo,

ia:djr ;ekam;= 24,147 19,763 24,147 19,763m%;s úl=Kqï .súiqï hgf;a ñ,§ .;a iq/l=ïm;a 11,100 5,078 11,100 5,078

nexl=j yd nexl=fõ mYapd;a fiajd m%;s,dN ie,iqï w;r isÿjk wdodhï m%ldY.; .kqfokq wdY%s; j¾Idjidkhg .Kkh lrk ,o idrdxYhla my;

oelafõ'

nexl=j iuQyh


re' Z000

2017

re' Z000

2018

re' Z000

2017

re' Z000

fmd,S wdodhu

cd;sl b;sßlsÍfï nexl= fiajl w¾:idOl wruqo, 27,468 8,508 27,468 8,508cd;sl b;sßlsÍfï nexl= fiajl úY%du jegqma wruqo, I 13,628 29,084 13,628 29,084cd;sl b;sßlsÍfï nexl= fiajl úY%du jegqma wruqo, II 62 – 62 –cd;sl b;sßlsÍfï nexl=fõ úY%dñl fiajlhka i|yd jk ffjoHdOdr l%uh 44 – 44 –

fmd,S úhou

cd;sl b;sßlsÍfï nexl= fiajl w¾:idOl wruqo, 17,426 47,514 17,426 47,514cd;sl b;sßlsÍfï nexl= fiajl úY%du jegqma wruqo, I 232,218 265,482 232,218 265,482cd;sl b;sßlsÍfï nexl= fiajl úY%du jegqma wruqo, II 10,129 8,290 10,129 8,290cd;sl b;sßlsÍfï nexl=fõ úY%dñl fiajlhka i|yd jk ffjoHdOdr l%uh 5,210 8,429 5,210 8,429jekaoUq yd wk;aore úY%du jegqma wruqo, 1,011 1,864 1,011 1,864





47' ^wE& m%Odk l<ukdldß;ajh iu`. .Kqfokq

(i) nexl=fõ wOHË uKav,h iy mßmd,s; iud.fï wOHËOQrh fydnjk nexl=fõ m%Odk úOdhl ks,OdÍka m%Odk l<ukdldß;ajhg we;=<;a fõ'

(ii) m%Odk l<ukdldß;ajh úiska ,nd .;a Kh yd w;a;sldrï my; oelafõ'

nexl=j iy iuQyh


re' Z000

2017

re' Z000

Kh yd w;a;sldrï 80,358 82,294

(iii) iNdm;s;=ud" wOHËljreka iy idudkHdêldÍ$m%Odk úOdhl ks,Odß iy ksfhdacH idudkHdêldÍjrekaf.a 2018 j¾Ih ;=," mdßY%ñl iy

.dia;= remsh,a ñ,shk 94'84 la úh' ^2017 j¾Ifha§ th re' ñ,shk 69'11 ls'&

47' ^b& iïnkaê; md¾Yjhkag fok ,o Y=oaO m%;sfhdackh

^Y%S ,xld uy nexl=fjka ksl=;a lrk ,o 2007 wxl 12 ork wdh;ksl hymd,k úOdkfha wxl 3 ^8& ^11& ^b& g wkqj fy<sorõ lssÍuls'&

nexl=j iy iuQyh


re' Z000

2017

re' Z000

m%Odk l<ukdlrK ks,OdÍka fj; ,ndÿka

Kh yd w;a;sldrï 80,358 82,294 Y==oaO m%;sfhdack tl;=j 80,358 82,294 kshduk m%d.aOkh 36,859,411 32,808,403

Y=oaO m%;sfhdackh" nexl=fõ kshduk m%d.aOkfhys m%;sY;hla f,i 0.2 0.3

47' ^B& fjk;a iïnkaê; md¾Yaj fj;ska ,eìhhq;=

nexl=j iuQyh


re' Z000

2017

re' Z000

2018

re' Z000

2017

re' Z000

m%;súl=Kqï .súiqï hgf;a ñ,§ .;a iq/l=ïm;a – tkag%iaÜ filHqßàia

mS't,a'iS 38,910 31,300 38,910 31,300tkag%iaÜ filHqßàia fj;ska ,eìhhq;= 153,596 96,068 153,596 96,068

tl;=j 192,506 127,368 192,506 127,368





47' ^W& fjk;a iïnkaê; md¾Yajhkag f.úhhq;=

nexl=j iuQyh


re' Z000

2017

re' Z000

2018

re' Z000

2017

re' Z000

fjk;a f.ùï - tkag%iaÜ filHqßàia mSt,aiS 716,608 633,133 716,608 633,133m%;súl=Kqï .súiqï hgf;a úl=Kk ,o iq/l=ïm;a - tkag%iaÜ filHqßàia

mS't,a'iS – – 208,790 142,824

tl;=j 716,608 633,133 925,398 775,957

48 idudkH fldgil Y==oaO j;alï jákdlu

nexl=j iuQyh


re' Z000

2017

re' Z000

2018

re' Z000

2017

re' Z000

,jh f,i fhdod .;a jákdlu

fldgia ysñlrejkaf.a wruqo,a 43,732,665 39,095,691 44,755,484 40,140,278yrh f,i fhdod .;a idudkH fldgia ixLHdj

uq¿ fldgia .Kk 940,000 670,000 940,000 670,000

idudkH fldgil Y==oaO j;alï w.h ^re'& 46.52 58.35 47.61 59.91

49 nexl=jg yd iuQyhg úreoaOj we;s kS;s lD;Hhka

nexl=lrK jHdmdrfha iajNdjh wkqj kS;s lD;Hhka hkq fkdje<elaúh yels isÿùuls' tjeks ffk;sl ysñlï iu`. lghq;= lsÍu i|yd nexl=jg

ia:dms; flgqïm;la we;' m%;sM,hkays ksYaÑ;Ndjh iïnkaOfhka jD;a;Sh Wmfoia ,nd.;a miq iy w,dNhka idOdrK w.hlg ;lafiare l<

miq" wod< ffk;sl ysñlïj,ska uQ,H ia:djrhg úh yels wys;lr n,mEï i|yd nexl=j ;u .sKqïj,g .e,mSï isÿlrkq ,nhs' m%;sM,hkays

wúksYaÑ;Ndjh fya;= fldg f.k uQ,H m%ldYkj,g lsisÿ .e<mSula isÿ fkdl<" j¾I wjidkhg we;s nexl=jg úreoaO fkdúi÷kq kvq ms<sn|

úia;r my; i|yka mßÈ fõ'

nexl=j


re' Z000

2017

re' Z000

úksYaph iNd $wêlrK

lïlre úksYaph iNd 11 5lïlre fldñIka iNd 0 0ld¾ñl wêlrKh 2 0ufyaia;%d;a wêlrKh 4 4Èia;s%la wêlrKh 53 30uydêlrKh" isú,a wNshdpk uydêlrKh" m<d;ano uydêlrKh 3 4wNshdpkdêlrKh 5 6fY%aIaGdêlrKh 1 1




50 uQ,H m%ldY jd¾;d l< Èkg miq isÿùï

.sKqïlrK m%;sm;a;s

jd¾;d lrkq ,nk Èk yd uQ,H m%ldY ksl=;a lsÍu i|yd wkque;sh ,o Èk w;r isÿjk jdisodhl yd wjdisodhl isÿùï jd¾;dlrK Èkg miq isÿùï

f,i ye|skafõ'

Y%S ,xld .sKqïlrK m%ñ; ^Y%S ,'.s'm%' 10& ys jd¾;d lrk Èkg miq isÿùï m%ldr jd¾;d lrkq ,nk Èkg miq we;sjQ ie,lshhq;= ish,qu isÿùï wjYH

mßÈ ie,ls,a,g f.k iqÿiq .e,mqï$fy<sorõ lsÍï" uQ,H m%ldYhkays isÿlr we;'

my; fy<sorõ lrk ,o isÿùï yereKq fldg jd¾;dlrK Èkg miqj uQ,H m%ldYkj, fy<sorõ lsÍï fyda .e,mSï l<hq;= wdldrfha isÿùï isÿù

fkdue;'

Y%S ,xld b;sßlsÍfï nexl=j iu. taldnoaO lsÍu

2016 whjeh fhdackd u.ska cd;sl b;sßlsÍfï nexl=j" Y%S ,xld b;sßlsÍfï nexl=j iu. taldnoaO lsÍfï fhdackdjla .re uqo,a wud;H;=ud úiska

bÈßm;a l< w;r" jd¾;dlrk Èk jkúg nexl=j tu fhdackdj ms<sn| we.hsfï kshe,S isáhsS'

51 ixikaokd;aul f;dr;=re

Y%S','uQ'jd'09 uQ,H WmlrK iy Y%S ,xld uy nexl=j úiska ksl=;a lrk ,o wdlD;sh yd wkql+, jk mßÈ wjYH wjia:dj,§ ixikaokd;aul f;dr;=re

kej; j¾.SlrKh lrkq ,nhs'

52 Y%S ,xld uQ,H jd¾;dlrK m%ñ;Ska ^Y%S ,'uQ'jd'm%' 9& ixl%dka;sh ms<sn| meyeÈ,s lsÍu

Y%S ,'uQ'jd'm%' 9" —uQ,H WmlrK˜" wkqu.ukh lsÍfuka ixl%dka;s Èkg we;sjQ n,mEu my; i|yka igyka u.ska oelfjk w;r 2017 j¾Ih i|yd

ixikaokd;aul f;dr;=re kej; w.hj we;' Y%S ,'uQ'jd'm% 9 wkq.; lsÍfï n,mEu tkï ûq,a Èk n,mEu& Y%S ,'.s'm%' 39 hgf;a we;s ord.;a Kh mdvq

.Kkh lsÍu fjkqjg Y%S ,'uQ'jd'm%' 9 ys wfmaCIs; Kh mdvq .Kkh lsÍï wdfoaY lsÍfï n,mEu r|jd.;a bmhSïj,g ^fldgia ysñhkaf.a ysñlï&

.e,mSï lr we;'

kej; j¾.SlrKh

fldgia ysñhkaf.a ysñlï j,g n,mEula fkdue;sj uQ,H ;;a;ajh ms<sn| m%ldYfhys ldKav w;r fYaI ixp,kh fulS .e,mSï u.ska ms<sìUq

flfrhs' kej; j¾.SlrKfhys m%;sM, f,i fYaIfhys OdrK w.hg lsisÿ fjkila we;s fkdúks'

m%;sñkSu

wfmaCIs; Kh mdvq we;=<;a fulS .e,mSï" uQ,H ;;a;ajhms<sn| m%ldYfhys fldgia ysñhkaf.a ysñlï flfrys n,mdk w;ru whs;uj, OdrK

w.fhys fjkiaùï we;s lr,Sugo n,mdkq ,nhs'




52' Y%S ,xld uQ,H jd¾;dlrK m%ñ;Ska ^Y%S ,'uQ'jd'm%' 9& ixl%dka;sh ms<sn| meyeÈ,s lsÍu îïnkaOhs&

52'1 wdodhï m%ldY ieiªu

nexl=j iuQyh

kej; j¾.SlrKh m%;sñkqu kej; w.hk ,o kej; j¾.SlrKh m%;sñkqu kej; w.hk ,o

foieïn¾ 31 Èfkka wjika

j¾Ih i|yd

meye¥ï

igyk

2017

re Z000

2017

re Z000

2017

re Z000

2017

re Z000

wdodhu A 107,816,909 – 178,876 107,995,784 108,055,746 – 178,876 108,234,622fmd,S wdodhu 103,399,962 – 178,876 103,578,838 104,245,541 – 178,876 104,424,417fmd,S úhou 78,444,825 – – 78,444,825 78,987,596 – – 78,987,596

Y=oaO fmd,S wdodhu 24,955,137 – – 25,134,013 25,257,944 – – 25,436,821.dia;= iy fldñia wdodhu 782,776 – – 782,776 785,077 – – 785,077.dia;= iy fldñia úhou 109,082 – – 109,082 113,037 – – 113,037

Y=oaO .dia;= iy fldñia wdodhu 673,694 – – 673,694 672,040 – – 672,040fj<|dï lghq;=j,ska ,o Y=oaO

,dNh$^w,dNh& 1,206,408 – – 1,206,408 1,520,740 – – 1,520,740,dN fyda w,dN u.ska

idOdrK w.hg kï l< uQ,H

WmlrKhkaf.ka ,;a Y=oaO

,dNh$^w,dNh& – – – – – – – –uQ,H wdfhdack u.ska Y=oaO

,dN$^w,dN& C 707,491 (707,491) – – 707,491 (707,491) – –,dN$w,dN u.ska uQ,H WmlrK

u.ska idOdrK w.hg Y=oaO

,dN$^w,dN& – – – – – – – –l%uCIh msßjehg uksk ,o uQ,H

j;alï yªkd.ekSu w;ayeÍu u;

Y=oaO ,dN$^w,dN& – – – – – – – –uQ,H j;alï y÷kd.ekSu w;ayeÍu

;=<ska ,;a Y=oaO ,dNh$^w,dNh& C – 707,491 – 707,491 – 707,491 707,491fjk;a fufyhqï wdodhï ^Y=oaO& 1,720,272 – – 1,720,272 796,897 – – 796,897

uq¿ fufyhqï wdodhï 29,263,002 – – 29,441,878 28,955,112 – – 29,133,988ydkslrK úhoï B 693,233 – 72,614 765,847 693,233 – 72,625 765,858

Y=oaO fufyhqï wdodhu 28,569,769 – – 28,676,030 28,261,880 – – 28,368,130

wvql<d - úhoï

fiajl uKav, úhoï 6,886,505 – – 6,886,505 6,918,813 – – 6,918,813CIhùï yd l%uCIh úhoï C – 423,547 – 423,547 – 424,352 – 424,352fjk;a úhoï C 4,160,911 (423,547) – 3,737,364 4,107,116 (424,352) – 3,682,765uQ,H fiajd u; tl;=l< w.h u;

nÿ iy cd;sh f.dvke.Sfï nÿ

fmr fufyhqï ,dNh 17,522,354 – – 17,628,615 17,235,951 – – 17,342,200uQ,H fiajd u; tl;=l< w.h

u; nÿ 3,082,619 – – 3,082,619 3,168,299 – – 3,168,299uQ,H fiajd u; cd;sh f.dvke.

kSfï nÿ 411,016 – – 411,016 422,440 – – 422,440

uQ,H fiajd u; tl;=l< w.h u;

nÿ yd cd;sh f.dvke.kSfï nÿ miq

fufyhqï ,dN$^w,dN& 14,028,719 – – 14,134,980 13,645,212 – – 13,751,461wdY%s; iud.ïj, iy noaO jHdmdr

j, ,dNfhka ysñ fldgi – – – – – – – –wdodhï nÿj,g fmr ,dNh 14,028,719 – – 14,134,980 13,645,212 – – 13,751,461wvql<d( wdodhï nÿ úhou 4,419,019 – – 4,419,019 4,595,065 – – 4,595,065j¾Ih i|yd ,dNh 9,609,700 – – 9,715,961 9,050,147 – – 9,156,396

,dNh fn§ hk wdldrh

md,l iud.fï ysñlrejkag 9,609,700 – – 9,715,961 9,050,147 – – 9,156,396md,khg hg;a fkdjk ysñlu – – – – – – – –

,dNh u; fldgil bmhSSu

idudkH fldgil uQ,sl bmhSï ^re'& 15.50 – – 15.67 14.60 – – 14.77idudkH fldgil ;kql bmhSï ^re'& 15.50 – – 15.67 14.60 – – 14.77j¾Ih i|yd ,dNh 9,609,700 – – 9,715,961 9,050,147 – – 9,156,396





52'1 wdodhï m%ldY ieiªu îïnkaOhs&

nexl=j iuQyh

kej; j¾.SlrKh m%;sñkqu kej; w.hk ,o kej; j¾.SlrKh m%;sñkqu kej; w.hk ,o

foieïn¾ 31 Èfkka wjika

j¾Ih i|yd

meye¥ï

igyk

2017

re Z000

2017

re Z000

2017

re Z000

2017

re Z000

j¾Ih i|yd ,dNh 9,609,700 – – 9,715,961 9,050,147 – – 9,156,396wdodhï m%ldYhg kej; j¾.SlrKh

l<hq;= fjk;a úia;S¾K wdodhu

bÈß /l=ï uqo,a m%jdy lghq;= j,ska

,;a Y=oaO ,dN$^w,dN& C 290,074 – – 290,074 290,074 – – 290,074fjk;a úia;S¾K wdodhï u.ska

idOdrK w.hg m;a l< Kh

WmlrK – 693,559 – 693,559 – 858,802 – 858,802wvql<d( fjk;a úia;S¾K wdodhï

u.ska idOdrK w.hg kï l< Kh

WmlrK bj;a lsÍu u; idOdrK

w.h u; ,dN$^w,dN& C – (690,388) – (690,388) – (690,388) – (690,388)úlsKSu i|yd mj;sk uQ,H j;alï

h,s ñkSu u; ,dN$^w,dN& C 656,807 (656,807) – – 822,050 (822,050) – –fjk;a úia;S¾K wdodhï u.ska

idOdrK w.hg uksk ,o Kh

WmlrK u; wdfhdackfhka ,efnk

Y=oaO ,dN$^w,dN& – – – – – – – –wvql<d( úlsKSu i|yd mj;sk uQ,H

j;alï úlsKSu u; wdodhï m%ldYhg

udre lrk ,o idOdrK w.fhys ,dN C (690,388) 690,388 – – (690,388) 690,388 – –wdodhï m%ldYhg kej; j¾.SlrKh

l<hq;= fjk;a úia;S¾K wdodhï

tl;=j D 256,492 36,752 – 293,245 421,735 36,752 – 458,488wdodhï m%ldYhg kej; j¾.SlrKh

fkdl<hq;= fjk;a úia;S¾K wdodhï

tl;=j

m%;Hd.Ks; w;sßla;fhys fjkiaùï 4,508,480 – – 4,508,480 4,508,480 – 4,508,480fjk;a úia;S¾K wdodhï u.ska

idOdrK w.hg mj;sk ysñlï

WmlrKj, wdfhdackays idOdrK

w.fhys fjkiaùï – (36,752) – (36,752) – (36,752) – (36,752)fiajdjidk m%;s,dN ne|Sï kej;

wd.kkh (2,072,425) – – (2,072,425) (2,072,155) – – (2,072,155)wdodhï m%ldYhg kej; j¾.SlrKh

fkdl<hq;= fjk;a úia;S¾K wdodhï

tl;=j 2,436,055 (36,752) – 2,399,303 2,436,325 (36,752) – 2,399,573j¾Ihg wod< fjk;a úia;S¾K

wdodhï - nÿ miq 2,692,547 – – 2,692,547 2,858,060 – – 2,858,060j¾Ihg wod< uq¿ úia;S¾K wdodhu 12,302,247 – – 12,408,508 11,908,207 – – 12,014,456,dNh fn§ hk wdldrh – – – –md,l iud.fï ysñlrejka 12,302,247 – – 12,408,508 11,908,207 – – 12,014,456

igyk

A: Y%S ,'uQ'jd'm%' 9 wkq.ukh lsÍu;a iu. Y%S ,'.s'm%'39 hgf;a ydkslrKh jQ Kh i|yd yªkd.kq ,enQ fmd,S wdodhu ixfYdaOkh ù we;'

B: Y%S ,'uQ'jd'm%' 9 wkq.ukh lsÍu;a iu. Y%S ,'.s'm%'39 hgf;a we;sjQ Kh mdvq" wfmaCIs; Kh mdvq u.ska wdfoaY fjhs'

C: wdodhï m%ldYfhys f¾Çh whs;u kduh fjkiaùu u;

D: Y%S ,'.s'm%' 39 hgf;a úlsKSu i|yd mj;sk ldKavh f,iska lr we;s ysñlï WmlrKj, idOdrK w.fhys fjkiaùï Y%S ,'uQ'jd'm%' 9 ys yªkd.ekSu w;a yßk ,ÿj wdodhï m%ldYhg kej; j¾.SlrKh

fkdflfrk whs;u hgf;a kej; j¾.SlrKh flfrhs'





52'2 uQ,H ;;a;ajh ms<sn| m%ldY iei÷u - 2017

nexl=j

foieïn¾ 31 Èkg igyk meye¥ï

igyk

Y%S ,'.s'm%'

39 ldKavh

2017

ú.Kkh l<

re Z000

kej; j¾.SlrKh m%;sñkqu 2017

kej; w.hk ,o

re Z000

Y%S ,'uQ'jd'm%'

9

ldKavh

j;alï

uqo,a yd uqo,aj,g iudkhka 16 E L & R 3,849,627 – (97) 3,849,530 ACuy nexl=j fj;e;s fYaIhka 17 L & R – – – – –nexl=j, we;s ;ekam;= 18 F L & R 23,438,104 – (830) 23,437,274 ACjHq;amkak uQ,H WmlrK 19 Hedging 1,360,714 – – 1,360,714 FVOCIfj<|du i|yd ord isák fjk;a uQ,H j;alï HFT 6,472,314 (6,472,314) – –,dN$w,dN u.ska yªkd.;a uQ,H j;alï 20

- idOdrK w.hg .Kkh l< – 6,472,314 – 6,472,314 FVPL - idOdrK w.hg kï l< – – – –

Kh yd ,eìhhq;= oE - nexl= L & R 27,714,565 (27,714,565) – –Kh yd ,eìhhq;= oE - wfkl=;a .kqfokqlrejka L & R 360,309,866 (360,309,866) – –l%uCIh msßjeh u; uQ,H j;alï

- Kh yd w;a;sldrï 21 G – 376,557,423 (853,693) 375,703,730 AC - Kh yd fjk;a WmlrK 22 H – 555,740,085 (271,467) 555,468,618 AC

fjk;a úia;S¾K wdodhï u.ska idOdrK w.hg

.Kkh l< uQ,H j;alï 23 I – 5,693,829 – 5,693,829 FVOCIúlsKSu i|yd mj;sk uQ,H wdfhdack AFS 5,693,829 (5,693,829) – –l,amsÍu f;la ord isák uQ,H wdfhdack HTM 544,273,077 (544,273,077) – –md,s; iud.ïj, wdfhdack 24 n/a 900,000 – – 900,000 n/afoam," msßh; iy WmlrK 26 J n/a 12,015,376 380,308 – 12,395,684 n/awiamDYH j;alï n/a 380,308 (380,308) – –ú,ïî; nÿ j;alï – – – –fjk;a j;alï 30 n/a 25,695,689 – – 25,695,689 n/a

uq¿ j;alï 1,012,103,470 – (1,126,087) 1,010,977,382

j.lSï

nexl= j,g f.úh hq;== 31 K AC 180,439 48,416,152 – 48,596,591 ACjHq;amkak uQ,H WmlrK 32 Hedging 956,937 – – 956,937 FVOCI,dN$w,dN u.ska y|qkd.;a uQ,H j.lSï – – – –l%uCIh msßjeh u; uQ,H j.lSï 34 – – – – - ;ekam;alrejkag f.úhhq;= – 737,212,640 – 737,212,640 AC - Kh iq/l=ïm;a ysñhkag f.úhhq;= – – – – - fjk;a Kh.ekSï i|yd f.úhhq;= L – 12,837,008 – 12,837,008 ACfjk;a .kqfokqlrejkag f.úhhq;= AC 737,212,640 (737,212,640) – –fjk;a Kh .ekSSï AC 217,955,777 (217,955,777) – –ksl=;a l< Kh iq/l=ïm;a 35 M – 162,709,027 – 162,709,027 ACfiajdjidk m%;s,dN ne|Sï 36 – 3,711,431 3,711,431 n/am%j¾;k nÿ j.lSï – – – –ú,ïî; nÿ j.lSï 29 n/a 507,063 – – 507,063 n/afjk;a j.lSï 39 N n/a 9,062,425 (3,712,181) – 5,350,244 n/ahg;ald,Sk j.lSï n/a 6,006,411 (6,006,411) – –md,s; iud.ïj,g f.úhhq;= 40 – 750 – 750 n/a

uq¿ j.lSï 971,881,691 – – 971,881,691





52'2 uQ,H ;;a;ajh ms<sn| m%ldY iei÷u - 2017 îïnkaOhs&

nexl=j


igyk

Y%S ,'.s'm%'

39 ldKavh

2017

ú.Kkh l<

re Z000


kej; w.hk ,o

re Z000

Y%S ,'uQ'jd'm%'

9

ldKavh

ysssñlï

m%ldYs; m%d.aOkh$mjrk ,o m%d.aOkh 41 n/a 6,700,000 – – 6,700,000 n/ajHjia:dms; ixÑ; wruqo, 42 n/a 3,002,952 – – 3,002,952 n/ar|jd.;a bmhSï 43 n/a 2,228,885 – (1,126,087) 1,102,798 n/afjk;a ixÑ; 44 n/a 28,289,941 – – 28,289,941 n/awhs;slrejkaf.a uq¿ ysssñlï 40,221,778 – (1,126,087) 39,095,691

uq¿ ysssñlï 40,221,778 – (1,126,087) 39,095,691

uq¿ ysssñlï iy j.lSï 1,012,103,470 – (1,126,087) 1,010,977,382

iuQyh


igyk

Y%S ,'.s'm%'

39

ldKavh

2017

ú.Kkh l<

re Z000

kej;

j¾.SlrKh

m%;sñkqu 2017

kej; w.hk ,o

re Z000

Y%S ,'uQ'jd'm%'

9

ldKavh

j;alï

uqo,a yd uqo,aj,g iudkhka 16 E L & R 3,854,086 – (97) 3,853,989 AC

uy nexl=j fj;e;s fYaIhka 17 L & R 94 – – 94 –

nexl=j, we;s ;ekam;= 18 F L & R 23,438,104 – (830) 23,437,274 AC

jHq;amkak uQ,H WmlrK 19 Hedging 1,360,714 – – 1,360,714 FVOCI

fj<|du i|yd ord isák fjk;a uQ,H

j;alï HFT 9,389,950 (9,389,950) – –

,dN$w,dN u.ska yªkd.;a uQ,H j;alï 20

- idOdrK w.hg .Kkh l< – 9,389,950 – 9,389,950 FVPL

- idOdrK w.hg kï l< – – – –

Kh yd ,eìhhq;= oE - nexl= L & R 27,971,234 (27,971,234) – –

Kh yd ,eìhhq;= oE - wfkl=;a

.kqfokqlrejka L & R 358,766,093 (358,766,093) – –


- Kh yd w;a;sldrï 21 G – 375,270,319 (853,693) 374,416,626 AC

- Kh yd fjk;a WmlrK 22 H – 559,591,319 (271,567) 559,319,752 AC

fjk;a úia;S¾K wdodhï u.ska idOdrK

w.hg .Kkh l< uQ,H j;alï 23 I – 7,513,932 – 7,513,932 FVOCI

úlsKSu i|yd mj;sk uQ,H wdfhdack AFS 7,713,852 (7,713,852) – –

l,amsÍu f;la ord isák

uQ,H wdfhdack HTM 547,924,390 (547,924,390) – –

md,s; iud.ïj, wdfhdack 24 n/a – – – – n/a

foam," msßh; iy WmlrK 26 J n/a 12,018,679 380,655 – 12,399,334 n/a

wiamDYH j;alï n/a 380,655 (380,655) – –

ú,ïî; nÿ j;alï – – – –

fjk;a j;alï 30 n/a 25,976,944 – – 25,976,944 n/a

uq¿ j;alï 1,018,794,797 – (1,126,186) 1,017,668,610






iuQyh


igyk

Y%S ,'.s'm%'

39

ldKavh

2017

ú.Kkh l<

re Z000

kej;

j¾.SlrKh

m%;sñkqu 2017

kej; w.hk ,o

re Z000

Y%S ,'uQ'jd'm%'

09

ldKavh

j.lSï

nexl= j,g f.úh hq;== 31 K AC 828,433 48,524,141 – 49,352,574 AC

jHq;amkak uQ,H WmlrK 32 Hedging 956,937 – – 956,937 FVOCI

,dN$w,dN u`.ska y`ÿkd.;a uQ,H j.lSï – – – –

l%uCIh msßjeh u; uQ,H j.lSï 34 –

- ;ekam;alrejkag f.úhhq;= – 737,212,640 – 737,212,640 AC

- Kh iq/l=ïm;a ysñhkag f.úhhq;= – – – –

- fjk;a Kh.ekSï i|yd f.úhhq;= L – 17,545,212 – 17,545,212 AC

fjk;a .kqfokqlrejkag f.úhhq;= AC 737,212,640 (737,212,640) – –

fjk;a Kh .ekSSï AC 222,771,969 (222,771,969) – –

ksl=;a l< Kh iq/l=ïm;a 35 M – 162,709,027 – 162,709,027 AC

fiajdjidk m%;s,dN ne|Sï 36 – 3,712,665 3,712,665 n/a

m%j¾;k nÿ j.lSï 137,344 – – 137,344

ú,ïî; nÿ j.lSï 29 n/a 507,138 – – 507,138 n/a

fjk;a j.lSï 39 N n/a 9,107,460 (3,712,665) – 5,394,795 n/a

hg;ald,Sk j.lSï n/a 6,006,411 (6,006,411) – –

md,s; iud.ïj,g f.úhhq;= 40 – – – – n/a

uq¿ j.lSï 977,528,331 – – 977,528,332

ysssñlï

m%ldYs; m%d.aOkh$mjrk ,o m%d.aOkh 41 n/a 6,700,000 – – 6,700,000 n/a

jHjia:dms; ixÑ; wruqo, 42 n/a 3,002,952 – – 3,002,952 n/a

r|jd.;a bmehSï 43 n/a 2,805,727 – (1,126,086) 1,679,540 n/a

fjk;a ixÑ; 44 n/a 28,757,786 – – 28,757,786 n/a

whs;slrejkaf.a uq¿ ysssñlï 41,266,465 – (1,126,186) 40,140,278

uq¿ ysssñlï 41,266,465 – (1,126,186) 40,140,278

uq¿ ysssñlï iy j.lSï 1,018,794,797 – (1,126,186) 1,017,668,610

L&R - Kh yd ,eìhhq;= oE , HFT - fj<|du i|yd r|jd.;a, AFS - úlsKSu i|yd mj;sk, HTM - l,amsÍu f;la r|jd.;a, FVPL - ,dN$w,dN u.ska idOdrK w.h, FVOCI -fjk;a úia;S¾K wdodhï u.ska

idOdrK w.h, n/a - wod< fkdfõ






nexl=j

foieïn¾ 31 Èkg meye¥ï

igyk

Y%S ,'.s'm%'

39

ldKavh

2016

ú.Kkh l<

re Z000


kej; w.hk ,o

re Z000

Y%S ,'uQ'jd'm%'

9

ldKavh

j;alï

uqo,a yd uqo,aj,g iudkhka E L & R 4,619,699 – (125) 4,619,574 ACuy nexl=j fj;e;s fYaIhka L & R – – – –nexl=j, we;s ;ekam;= F L & R 19,013,572 – (361) 19,013,211 ACjHq;amkak uQ,H WmlrK Hedging 2,728,445 – – 2,728,445 FVOCIfj<|du i|yd ord isák fjk;a uQ,H j;alï HFT 20,290,588 (20,290,588) – –,dN$w,dN u.ska yªkd.;a uQ,H j;alï



- Kh yd w;a;sldrï G – 312,539,632 (970,044) 311,569,588 AC - Kh yd fjk;a WmlrK H – 517,095,780 (261,818) 516,833,962 AC


.Kkh l< uQ,H j;alï I – 6,227,764 – 6,227,764 FVOCIúlsKSu i|yd mj;sk uQ,H wdfhdack AFS 6,227,764 (6,227,764) – –l,amsÍu f;la ord isák uQ,H wdfhdack HTM 505,824,398 (505,824,398) – –md,s; iud.ïj, wdfhdack n/a 150,000 – – 150,000 n/afoam," msßh; iy WmlrK J n/a 7,119,651 157,271 – 7,276,922 n/afoam, wdfhdack – – – –wiamDYH j;alï n/a 157,271 (157,271) – –ú,ïî; nÿ j;alï – – – –fjk;a j;alï n/a 21,761,440 – – 21,761,440 n/a

uq¿ j;alï 911,703,842 – (1,232,348) 910,471,495






iuQyh


igyk

Y%S ,'.s'm%'

39

ldKavh

2016

ú.Kkh l<

re Z000


kej; w.hk ,o

re Z000

Y%S ,'uQ'jd'm%'

9

ldKavh

j.lSï

nexl= j,g f.úh hq;== K AC 115,391 19,631,900 – 19,747,292 ACjHq;amkak uQ,H WmlrK Hedging – – – – FVOCI,dN$w,dN u`.ska y`ÿkd.;a uQ,H j.lSï – – – –l%uCIh msßjeh u; uQ,H j.lSï

– ;ekam;alrejkag f.úhhq;= – 657,280,315 – 657,280,315 AC – Kh iq/l=ïm;a ysñhkag f.úhhq;= – – – – – fjk;a Kh.ekSï i|yd f.úhhq;= L – 34,479,828 – 34,479,828 AC

fjk;a .kqfokqlrejkag f.úhhq;= AC 657,280,315 (657,280,315) – –fjk;a Kh .ekSSï AC 207,039,909 (207,039,909) – –ksl=;a l< Kh iq/l=ïm;a M – 158,934,592 – 158,934,592 ACfiajdjidk m%;s,dN ne|Sï – 1,896,930 – 1,896,930 n/am%j¾;k nÿ j.lSï – – –ú,ïî; nÿ j.lSï n/a 416,180 – – 416,180 n/afjk;a j.lSï N n/a 8,600,056 (1,896,930) – 6,703,126 n/ahg;ald,Sk j.lSï n/a 6,006,411 (6,006,411) – –md,s; iud.ïj,g f.úhhq;= – – – – n/a

uq¿ j.lSï 879,458,262 – – 879,458,263

ysssñlï

m%ldYs; m%d.aOkh$mjrk ,o m%d.aOkh n/a 6,200,000 – – 6,200,000 n/a

jHjia:dms; ixÑ; wruqo, n/a 2,522,467 – – 2,522,467 n/a

r|jd.;a bmhSï n/a 2,379,307 – (1,232,348) 1,146,959 n/a

fjk;a ixÑ; n/a 21,143,806 – – 21,143,806 n/a


uq¿ ysssñlï 32,245,580 – (1,232,348) 31,013,232

uq¿ ysssñlï iy j.lSï 911,703,842 – (1,232,348) 910,471,495





52'3 uQ,H ;;a;ajh ms<sn| m%ldY iei÷u – 2016 îïnkaOhs&

iuQyh


igyk

Y%S ,'.s'm%'

39

ldKavh

2016

ú.Kkh l<

re Z000


kej; w.hk ,o

re Z000

Y%S ,'uQ'jd'm%'

9

ldKavh

j;alï

uqo,a yd uqo,aj,g iudkhka E L & R 4,627,629 – (125) 4,627,504 ACuy nexl=j fj;e;s fYaIhka L & R 477 – – 477nexl=j, we;s ;ekam;= F L & R 19,013,572 – (361) 19,013,211 ACjHq;amkak uQ,H WmlrK Hedging 2,728,445 – – 2,728,445 FVOCIfj<|du i|yd ord isák fjk;a uQ,H j;alï HFT 27,303,207 (27,303,207) – –,dN$w,dN u.ska yªkd.;a uQ,H j;alï –



- Kh yd w;a;sldrï G – 311,740,811 (970,044) 310,770,767 AC - Kh yd fjk;a WmlrK H – 519,096,175 (261,907) 518,834,268 AC


.Kkh l< uQ,H j;alï I – 7,922,677 – 7,922,677 FVOCIúlsKSu i|yd mj;sk uQ,H wdfhdack AFS 8,122,516 (8,122,516) – –l,amsÍu f;la ord isák uQ,H wdfhdack HTM 507,624,954 (507,624,954) – –md,s; iud.ïj, wdfhdack n/a – – – – n/awdY%s; iud.ïj, iy noaO jHdmdrj,

wdfhdackh – – – – n/afoam," msßh; iy WmlrK J n/a 7,121,823 157,271 – – n/afoam, wdfhdack – – – – n/awiamDYH j;alï n/a 157,271 (157,271) – 7,279,094 n/aú,ïî; nÿ j;alï n/a 588 – – 588 n/afjk;a j;alï n/a 21,890,777 – – 21,890,777 n/a

uq¿ j;alï 921,603,453 – (1,232,437) 920,371,017






iuQyh


igyk

Y%S ,'.s'm%'

39

ldKavh

2016

ú.Kkh l<

re Z000


kej; w.hk ,o

re Z000

Y%S ,'uQ'jd'm%'

9

ldKavh

j.lSï

nexl= j,g f.úh hq;== K AC 2,858,673 19,631,900 – 22,490,574 ACjHq;amkak uQ,H WmlrK Hedging – – – – FVOCI,dN$w,dN u.ska y|qkd.;a uQ,H j.lSï –l%uCIh msßjeh u; uQ,H j.lSï – – – –

- ;ekam;alrejkag f.úhhq;= – 657,280,315 – 657,280,315 AC - Kh iq/l=ïm;a ysñhkag f.úhhq;= – – – – - fjk;a Kh.ekSï i|yd f.úhhq;= L – 40,069,345 – 40,069,345 AC

fjk;a .kqfokqlrejkag f.úhhq;= AC 657,280,315 (657,280,315) – –fjk;a Kh .ekSSï AC 212,629,427 (212,629,427) – –ksl=;a l< Kh iq/l=ïm;a M – 158,934,592 – 158,934,592 ACfiajdjidk m%;s,dN ne|Sï – 1,898,190 – 1,898,190 n/am%j¾;k nÿ j.lSï 17,153 – – 17,153ú,ïî; nÿ j.lSï n/a 416,180 – – 416,180 n/afjk;a j.lSï N n/a 8,608,506 (1,898,190) – 6,710,316 n/ahg;ald,Sk j.lSï n/a 6,006,411 (6,006,411) – –md,s; iud.ïj,g f.úhhq;= – – – – n/a

uq¿ j.lSï 887,816,665 – – 887,816,666

ysssñlï

m%ldYs; m%d.aOkh$mjrk ,o m%d.aOkh n/a 6,200,000 – – 6,200,000 n/a

jHjia:dms; ixÑ; wruqo, n/a 2,522,467 – – 2,522,467 n/a

r|jd.;a bmhSï n/a 3,708,614 – (1,232,437) 2,476,177 n/a

fjk;a ixÑ; n/a 21,355,707 – – 21,355,707 n/a


uq¿ ysssñlï 33,786,788 – (1,232,437) 32,554,351

uq¿ ysssñlï iy j.lSï 921,603,453 – (1,232,437) 920,371,017

meyeÿï igyk

E: uqo,a yd uqo,aj,g iudkhka

Y%S ,'uQ'jd'm%' 9 hgf;a wfmaCIs; Kh mdvq m%;smdokj,g uqo,a yd

uqo,aj,g iudkhka hg;a fõ'

F: nexl=j, we;s ;ekam;=

Y%S ,'uQ'jd'm%' 9 hgf;a wfmaCIs; Kh mdvq m%;smdokj,g

nexl=j, we;s ;ekam;= hg;a fõ'

G: l%uCIh msßjeh u; uQ,H j;alï – Kh yd w;a;sldrï

2018 ckjdß 01 Èk isg nexl=$fjk;a .kqfokqlrejkag

,eìhhq;= oE f,i ñka fmr j¾.SlrKh lrk ,o uQ,H j;alï"

l%uCIh msßjehg uQ,H j;alï – Kh yd w;a;sldrï f,i

kej; j¾.SlrKh lr we;' fulS j;alï" uq,a uqo, yd fmd,S

f.ùï i|yd muKla" (SPPI) hk ks¾kdhlfhys wjYH;d

imqrd,hs' tu whs;u il%Sh f,i fj<|dï lghq;= i|yd Ndú;

fkdjQ w;r" úlsKSfï wruqKla rys;j uqo,a m%jdy /ialsÍfï

woyiska r|jd.kq ,eìKs'

K: nexl=j,g f.úhhq;=

fjk;a Kh .ekSï hgf;a ñka fmr j¾.SlrKh lrk ,o

m%;sñ,§ .ekSï .súiqï hgf;a úl=Kk ,o iq/l=ï – nexl="

nexl=j,g f.úh hq;= ldKavh hgf;a kej; j¾.SlrKh lr

we;'

L: l%uCIh msßjeh u; uQ,H j.lSï – fjk;a Khlrejkag

f.úhhq;=

fjk;a Kh .ekSï hgf;a ñka fmr j¾.SlrKh lrk ,o

m%;sñ,§ .ekSï .súiqï hgf;a úl=Kk ,o iq/l=ï - fjk;a"

fjk;a Khlrejkag f.úhhq;=" ldKavh hgf;a kej;

j¾.SlrKh lr we;'

M: ksl=;a l< Kh iq/l=ïm;a

hg;ald,Sk j.lSï iy fjk;a Kh .ekSï hgf;a ñka fmr

j¾.SlrKh lrk ,o hg;ald,Sk j.lSï iy ksl=;a l<

fcHIaG ne÷ïlr" ksl=;a l< Kh iq/l=ïm;a" f,i kej;

j¾.SlrKh lr we;'

N: fjk;a j.lSï

fiajdjidk m%;s,dN ne|shdjka yd md,s; iud.ïj,g f.úhhq;=

hk whs;u uQ,H ;;a;ajh ms<sn| m%ldYfhys fjk fjku

fy,sorõ lr we;s w;r ñka fmr ljr wjia:djl§ jqjo th

fjk;a j.lSï hgf;a fy,sorõ lrkq ,eìKs'

H: l%uCIh msßjeh u; uQ,H j;alï – Kh yd fjk;a

WmlrK

2018 ckjdß 01 Èk isg l,amsÍu f;la r|jd.;a uQ,H wdfhdack

f,i ñka fmr j¾.SlrKh lrk ,o uQ,H j;alï" l%uCIh

msßjehg uQ,H j;alï – Kh yd fjk;a WmlrK f,i kej;

j¾.SlrKh lr we;' fulS j;alï" uq,a uqo, yd fmd,S f.ùï

i|yd muKla" (SPPI) hk ks¾kdhlfhys wjYH;d imqrd,hs'

tu whs;u il%Sh f,i fj<|dï lghq;= i|yd Ndú; fkdjQ

w;r" úlsKSfï wruqKla rys;j uqo,a m%jdy /ialsÍfï woyiska

r|jd.kq ,eìKs'

I: fjk;a úia;S¾K wdodhï u.ska idOdrK w.hg .Kkh l<

uQ,H j;alï

úlsKSu i|yd mj;sk ldKavh hgf;a ñka fmr j¾.SlrKh

lrk ,o uQ,H j;alï" fjk;a úia;S¾K wdodhï u`.ska idOdrK

w.hg uksk ,o uQ,H j;alï f,i kej; j¾.SlrKh lr

we;'

J: foam," msßh; iy WmlrK

ñka fmr wiamDYH j;alï hgf;a j¾.SlrKh lrk ,o

mß.Kl uDÿldx." foam," msßh; iy WmlrK hgf;a kej;

j¾.SlrKh lr we;s w;r" wiamDYH j;alï u`.ska mß.Kl

uDÿldx. muKla ksfhdackh flfrhs'





52'4 ydkslrK §ukd iei÷u - nexl=j

ydkslrK m%;smdok


ú.Kkh l<

re Z000

kej;

j¾.SlrKh

2017

kej; w.hk

,o ^ydkslrK

n,mEu yer&

re Z000

Y%S ,'.s'm%'

39 wkqj

re Z000

Y%S ,'uQ'jd'm%'

09 wkqj

re Z000

m%;s ñkSu u;

Y=oaO n,mEu

re Z000

2017

kej;

w.hk ,o

re Z000

j;alï

uqo,a yd uqo,aj,g iudkhka 3,849,627 – 3,849,627 – 97 97 3,849,530uy nexl=j fj;e;s fYaIh – – – – – – –nexl=j, ;ekam;= 23,438,104 – 23,438,104 – 830 830 23,437,274jHq;amkak uQ,H WmlrK 1,360,714 – 1,360,714 – – – 1,360,714fj<|du i|yd ord isák fjk;a uQ,H j;alï 6,472,314 (6,472,314) – – – – –,dN$w,dN u.ska yªkd.;a uQ,H j;alï

- idOdrK w.hg .Kkh l< – 6,472,314 6,472,314 – – – 6,472,314 - idOdrK w.hg kï l< – – – – – – –

Kh yd ,eìhhq;= oE - nexl= 27,714,565 (27,714,565) – – – – –Kh yd ,eìhhq;= oE - wfkl=;a .kqfokqlrejka 360,309,866 (360,309,866) – – – – –l%uCIh msßjehg uQ,H j;alï

- Kh yd w;a;sldrï – 376,557,423 376,557,423 2,298,341 2,734,773 436,432 376,120,990 - Kh yd fjk;a WmlrK – 555,740,085 555,740,085 – 271,467 271,467 555,468,618


.Kkh l< uQ,H j;alï – 5,693,829 5,693,829 – – – 5,693,829úlsKSu i|yd mj;sk - uQ,H wdfhdack 5,693,829 (5,693,829) – – – – –l,amsÍu f;la r|jd.;a - uQ,H wdfhdack 544,273,077 (544,273,077) – – – – –

973,112,096 – 973,112,096 2,298,341 3,007,167 708,826 972,403,270

ydkslrK m%;smdok

2018

3,85

9

2017

3.00

72,

298

2016

2,36

81,

732

re' ñ,shk

4,000

3,200

2,400

1,600

800

0

Y%S ,'.s'm%' 39 Y%S ,'uQ'jd'm%' 9

ydkslrK m%;smdok - uQ,H j;alï

2017 - Y%S ,'.s'm%' 39 g idfmaCIj Y%S ,'uQ'jd'm%' 9

Kh yd

fjk;a

WmlrK

Kh yd

w;a;sldrï

nexl=j,

;ekam;=

uqo,a yd

uqo,aj,g

iudkhka

271,

467

2,73

4,77

32,

298,

341

830

97

re Z000

3,000,000

2,400,000

1,800,000

1,200,000

600,000

0

Y%S ,'.s'm%' 39 Y%S ,'uQ'jd'm%' 9





52'5 Y%S ,'uQ'jd'm%' 9 ixl%dka;sh u.ska r|jd.;a bmhSï u; we;sjQ n,mEu my; mßÈ fõ'

nexl=j

re Z000

iuQyh

re Z000

2017 foieïn¾ 31 Èkg Y%S ,'.s'm%' 39 hgf;a wjidk fYaIh 2,228,885 2,805,727

Y%S ,'uQ'jd'm%' 9 wkq.ukh ;=,ska m%;sñkqï .e,mSï

Kh yd wdfhdack u; Y%S ,'uQ'jd'm%' 9 wkqj wfmaCIs; Kh mdvqj y÷kd.ekSu (1,126,087) (1,126,186)2018 ck'01 Èkg Y%S ,'uQ'jd'm%' 9 wdrïNl fYaIh 1,102,798 1,679,541

52'6 ysñlï u; Èk - 01 n,mEu

nexl=j

Y%S ,'uQ'jd'm%' 9 wkqj

foieïn¾ 31 Èkg Y%S ,'.s'm%'39 wkqj

ydkslrK

m%;smdok

re Z000

ydkslrK

m%;smdok

re Z000

ydkslrK Kh

u; WmÑ;

fmd,S .e,mSï

re Z000

tl;=j

re Z000

uq,a Èk n,mEu

^01'01'2018 Èkg&

uqo,a yd uqo,aj,g iudkhka – 97 – 97 97nexl=j, ;ekam;= – 830 – 830 830l%uCIh msßjeh u; uQ,H j;alï

- Kh yd w;a;sldrï 2,298,341 2,734,773 417,260 3,152,034 853,693 - Kh yd fjk;a WmlrK – 271,467 – 271,467 271,467

tl;=j 2,298,341 3,007,167 417,260 3,424,428 1,126,087

iuQyh

Y%S ,'uQ'jd'm%' 9 wkqj

foieïn¾ 31 Èkg Y%S ,'.s'm%'39 wkqj

ydkslrK

m%;smdok

re Z000

ydkslrK

m%;smdok

re Z000

ydkslrK Kh

u; WmÑ;

fmd,S .e,mSï

re Z000

tl;=j

re Z000

uq,a Èk n,mEu

^01'01'2018 Èkg&

uqo,a yd uqo,aj,g iudkhka – 97 – 97 97nexl=j, ;ekam;= – 830 – 830 830l%uCIh msßjeh u; uQ,H j;alï

- Kh yd w;a;sldrï 2,298,341 2,734,773 417,260 3,152,034 853,693 - Kh yd fjk;a WmlrK – 271,566 – 271,566 271,566

tl;=j 2,298,341 3,007,266 417,260 3,424,527 1,126,186





52'6 ysñlï u; Èk - 01 n,mEu îïnkaOhs&

m%d.aOk m%udKd;aul;d wkqmd;h u; n,mEu - nexl=j

Y%S ,xld uy nexl=j úiska ksl=;a lrk ,o 2018 wxl 4 ork kshdukh m%ldr m%d.aOk m%udKd;aul;d wkqmd;h .Kkh lsÍfï wruqKska

Y%S ,'uQ'jd'm%' 9" uQ,H WmlrK - Y%S ,xld .sKqïlrK m%ñ;Ska wkq.ukh lssÍu i|yd nexl=j úiska 2018 ckjdß 01 Èkg Y%S ,'uQ'jd'm%' 9 u.ska mek

k.sk w;sf¾l Kh mdvq m%;smdok läka lv flfrhs' tfyhska 2018 foieïn¾ 31 Èkg m%d.aOk m%udKd;aul;d wkqmd;h .Kkh lsÍfï woyiska

nexl=fõ r|jd.;a bmhSï j,g tfrys Èk - 01 n,mEfuka 25] la ^re' ñ,shk 281'5& i|yd muKla nexl=j úiska whlr we;' fulS .e,mSu fya;=fjka

ia:r 1 m%d.aOk m%udKd;aul;d wkqmd;h iy uq¿ m%d.aOk m%udKd;aul;d wkqmd;h 0'13] lska wvq úKs'

Y%S ,'uQ'jd'm%'9 ys ydkslrK Kh u; WmÑ; fmd,sh iy ydkslrK m%;smdok ixhq;sh

Èsk - 01 n,mEu

63%re' 709 ñ,shk

ydkslrK u; Èk 01 n,mEu

33%re' 1,126 ñ,shk

Èk 01 n,mEu

37%re' 417 ñ,shk

fmd,sh u;

Èk 01 n,mEu

67%re' 2,298 ñ,shk

Y%S ,'.s'm%' 39 wkqj

ydkslrK m%;smdokh

53 uq,H wjodkï l<ukdlrKh

wjodkï l<ukdlrK jHqyh

úúO wjodkï iy tn÷ wjodkï y÷kd.ekSfï hdka;%K" wjodkï l<ukdlrKh lsÍfï iy wju lsÍfï iM,odhS úêl%u wdjrKh flfrk

m%;sm;a;s iy l%shd mámdá" cd;sl b;sßlsÍfï nexl= taldnoaO wjodkï l<ukdlrK jHqyhg wh;a fõ'

wOHCI uKav,fha md,kh hgf;a nexl=fõ wjodkï l<ukdlrK jHqyh mj;sk w;r wjodkï l<ukdlrK j.lSu bgq lr,Sfï§ wOHCI

uKav,hg iydh jkq msKsi wOHCI uKav, taldnoaO wjodkï l<ukdlrK lñgqjla msysgqjd we;' wjodkï l<ukdlrK wxYh"" wOHCI uKav,

taldnoaO wjodkï l<ukdlrK lñgqj yryd iajdëkj wOHCI uKav,h fj; jd¾;d lrkq ,nhs' nexl=fõ wjodkï l<ukdlrKfhys m%udKj;a

nj iy iM,odhS nj ;yjqre lsÍu msKsi fuu l<ukdlrK lñgq úiska wod< jHdmdßl wxY iy wjodkï l<ukdlrK wxYfhka jßkajr ,efnk

jd¾;d iqmÍCIdldÍ wjOdkfhka hq;=j iudf,dapkhg n÷ka lrkq ,nhs'




53' uq,H wjodkï l<ukdlrKh îïnkaOhs&

wjodkï l<ukdlrK jHqyh îïnkaOhs&

my; l<ukdlrK lñgq w;sYhska ksjerÈj iEu wjodkï l<ukdlrK

lafIa;%hlu wjOdkï lreKq iïnkaëlrKh lsÍug j.lSug nef|a'

ixhqla; l<ukdlrK lñgqj

j;alï yd j.lSï l<ukdlrK lñgqj

Kh lñgqj

wdfhdack lñgqj

fufyhqï ld¾h iudf,dapk lñgqj

YdLd fufyhqï ud¾f.damfoaY lñgqj

f;dr;=re ;dCIK ud¾f.damfoaY lñgqj

wf,ú lñgqj

fufyhqï wjodkï l<ukdlrK lñgqj

udkj iïm;a lñgqj

ixhqla; m%;siïmdok lñgqj

wNHka;r ú.Kk wYxh u.ska wjodkï l<ukdlrK md,k yd

l%shdmámdá ks;sm;d yd wyUq f,i iudf,dapkh flfrk w;r" tu

m%;sM, wOHCI uKav, ú.Kk lñgqj fj; jd¾;d flfrhs'

wjOdkhg ,laflfrk mq¿,aa wjodkï m%fNAo

uQ,H WmlrK j,ska mek k.sk u;= i|yka m%Odk wjodkï m%fNao j,g

nexl=j ksrdjrKh fjhs'

53'1 Kh wjodku

53'1'1 Kh .=Kd;aul;d úYaf,aIKh

53'1'1 ^w& uQ,H j;alï ldKav jYfhka Kh wjodkug Y=oaO

ksrdjrKhùï

53'1'1 ^wd& Kh l<U l<ukdlrKh

53'1'1 ^we& uQ,H j;alï ldKav jYfhka ^f.úhhq;= Èkh miqjQ& Kh

.=Kd;aul;dj

53'1'1 ^wE& uQ,H j;alï ldKav jYfhka Kh .=Kd;aul;dj - wÈhr

jYfhka

53'2 øjYS,;d wjodku

53'2'1 øjYS,;d j;alï ixflakaøKh

53'2'2 l,amsÍu f;la b;sßj we;s .súiqï.; ld,iSudj

53'2'3 bÈß wruqo,a iemhSug iyh i,ik uQ,H j;alï

53'3 fj<|fmd< wjodku

53'3'1 fj<|fmd< wjodku fj<|dï yd fj<|dï fkdjk lghq;=

i|yd ksrdjrKhùï

53'3'2 úfoaY úksuh wjodku

53'3'3 ysñlï wjodku

53'3'4 fmd,S wkqmd;sl wjodku

53'4 fufyhqï wjodku

53'1 Kh wjodku

fYaI m;%fhka mßndysr fyda fYaI m;%h ;=, nexl= fufyhqï j,ska we;s

úh yels" m%;smd¾Yjhka fyda Khlrejka uQ,H fyda .súiqï.; ne|Sï bgq

fkdlsÍug wiu;aùu ;=<ska w,dN we;sùfï yelshdj" Kh wjodkuhs'

,nd fkd.;a Kh ne|Sï u.ska mek k.sk Kh wjodkï fYaIm;%fhka

mßndysr wjodkï jk w;r" mdßfNda.sl Kh" wdh;ksl Kh" nexl=

yd uQ,H wdh;k i|yd msßkuk Kh" rchg yd rdcH wdh;k fj;

msßkuk Kh wd§ uQ,H ksuehqï ys l,ams; w.h ;=<ska mek k.sk

wjodkï fYaIm;%h ;=, oelafjk wjodkï fõ'

nexl=fõ Kh wjodkï ksrdjrKh ùu

nexl=fõ fojk m%Odk;u jHdmdrh u; we;s iuia; Kh ksrdjrKh

ùï" 40'8] ls' ^wjodkï rys; iq/l=ïys wdfhdackh" uq¿ j;alï j,ska

50'6] ls'& tfyhska" nexl=j úiska Kh wjodku" m%Odk j¾.fha

wjodkula f,i i,lk kuqÿ nexl=jg n,mdk Kh wjodkfuys

m%udKh ikaikaokd;aulj neÆ úg wvqh'

nexl=jg n,mdk Kh ksrdjrKh ùï m%Odk m%fNao 2 la u; yg .kS'

tkï" nexl=j,g Kh§ï yd wdh;ksl" is,a,r Khlrejka" rch yd

rdcH wdh;k jeks fjk;a .kqfokqlrejkag Kh §ïh'

53'1'1 Kh .=Kd;aul;d úYaf,aIKh

53'1'1 ^w& Kh wjodkug Y=oaO ksrdjrKhùï uQ,H j;alï

m%fNao wkqj

uQ,H j;alï ldKavh wkqj Kh wjodkug we;s Wmßu yd Y=oaO

ksrdjrKhùï my; j.=j u.ska oelafõ' ^Y=oaO ksrdjrKhùï .Kkh

lsÍfï§" ,ndf.k we;s wemlr j, idOdrK w.h" wjodkï rys;

j;alï j, wdfhdack iy rcfha wemlr iy ydkslrK m%;smdok

jákdlï wvqlr we;'&





53'1 Kh wjodku îïnkaOh&

53'1'1 Kh .=Kd;aul;d úYaf,aIKhss îïnkaOhs&

53'1'1' ^w& Kh wjodkug Y=oaO ksrdjrKhùï uQ,H j;alï m%fNao wkqj îïnkaOhs&

foieïn¾ 31 Èkg 2018 2017

igyk Kh wjodkug

Wmßu

ksrdjrKhùu

re Z000

Y=oaO

ksrdjrKhùu

re Z000

Kh wjodkug

Wmßu

ksrdjrKhùu

re Z000

Y=oaO

ksrdjrKhùu

re Z000

nexl=j

uqo,a yd uqo,aj,g iudkhka 16 3,434,524 2,735,123 3,849,530 2,904,771uy nexl=j fj;e;s fYaIhka 17 – – – –nexl=j, ;ekam;= 18 17,588,445 17,588,445 23,437,274 23,437,274jHq;amkak uQ,H WmlrK 19 4,740,106 4,740,106 1,360,714 1,360,714,dN$w,dN u.ska yªkd.;a uQ,H j;alï 20

- idOdrK w.hg .Kkh l< 16,680,382 1,878,919 6,472,314 2,357,336- idOdrK w.hg kï l< – – – –


- Kh yd w;a;sldrï 21 423,532,145 159,585,358 375,703,730 120,925,759- Kh yd fjk;a WmlrK 22 518,947,969 12,978,764 555,468,618 11,461,687

fjk;a úia;S¾K wdodhï u.ska idOdrK w.hg .Kkh l<

uQ,H j;alï 23 6,184,430 3,750,515 5,693,829 4,440,951

o< tl;=j 991,108,001 203,257,231 971,986,009 166,888,492

2018 2017

Kh wjodkug Y=oaO ksrdjrKhùï - nexl=j

A B C D E F G

%

100

80

60

40

20

0

A B C D E F G

%

100

80

60

40

20

0

A fjk;a úia;S¾K

wdodhï u.ska idOdrK

w.hg .Kkh l<

uQ,H j;alï

B Kh yd fjk;a

WmlrKC Kh yd

w;a;sldrï

D ,dN w,dN u.ska

idOdrK w.hg

.Kkh l< uQ,H

j;alï

E jHq;amkak uQ,H

WmlrK

F nexl=j, ;ekam;= G uqo,a yd uqo,a

iudkhka

Y=oaO ksrdjrKh fkdùï Y=oaO ksrdjrKh ùï





53'1 Kh wjodku îïnkaOh&

53'1'1 Kh .=Kd;aul;d úYaf,aIKh îïnkaOhs&

53'1'1' ^w& Kh wjodkug Y=oaO ksrdjrKhùï uQ,H j;alï m%fNao wkqj îïnkaOhs&

foieïn¾ 31 Èkg 2018 2017

meye¥ï

igyk

Kh wjodkug

Wmßu

ksrdjrKhùu

re Z000

Y=oaO

ksrdjrKhùu

re Z000

Kh wjodkug

Wmßu

ksrdjrKhùu

re Z000

Y=oaO

ksrdjrKhùu

re Z000

iuQyh

uqo,a yd uqo,aj,g iudkhka 16 3,436,929 2,737,518 3,853,989 2,909,220uy nexl=j fj;e;s fYaIhka 17 177 177 94 94nexl=j, ;ekam;= 18 17,588,445 17,588,445 23,437,274 23,437,274jHq;amkak uQ,H WmlrK 19 4,740,106 4,740,106 1,360,714 1,360,714,dN$w,dN u.ska yªkd.;a uQ,H j;alï 20

- idOdrK w.hg .Kkh l< 26,867,533 1,878,919 9,389,950 2,357,336- idOdrK w.hg kï l< – – – –


- Kh yd w;a;sldrï 21 423,557,119 159,585,358 374,416,626 120,925,759- Kh yd fjk;a WmlrK 22 522,973,159 13,329,958 559,319,752 11,661,509

fjk;a úia;S¾K wdodhï u.ska idOdrK w.hg .Kkh

l< uQ,H j;alï 23 7,788,560 3,751,515 7,513,932 4,441,951

o< tl;=j 1,006,952,028 203,611,997 979,292,331 167,093,857

53'1'1 ^wd& Kh l<U l<ukdlrKh

Kh iq/l=ï iy wfkl=;a Kh m%idrKh

m%;smd¾Yjlrejkaf.a Kh wjodkfï ;lafiarej u; wjYH jk Kh iqq/l=ï j, w.h iy j¾.h ;SrKh fjhs' Kh iqq/l=ïj, j¾.h wkqj

ms<s.ekSu iy ;lafiarej wkdjrKh jk mßÈ ks¾kdhl ilia lr we;'

nexl=j úiska ms<s.kq ,nk m%Odk iq/l=ï j¾. my; olajd we;'

w' wdh;ksl Kh - rdcH wemlr" ia:djr j;alï yd cx.u j;alï u; Wlia" NdKaav f;d." wdh;ksl yd mqoa.,sl wemlrejka'

wd'mdßfNda.sl Kh - fkajdisl foam<" r;%ka" jdyk" mqoa.,sl wemlrejka'





53'1 Kh wjodku îïnkaOhs&


53'1'1' ^wd& Kh l<U l<ukdlrKh îïnkaOhs&

ksuejqï yd lafIa;%h wkqj Kh wjodku ixflakaøKh

nexl=j úiska ksuejqï yd lafIa;%h wkqj Kh wjodkfuys ixflakaøKh wëCIKh lrkq ,nhs' nexl=fõ Kh l<fUys ^Kh iy w;a;sldrï&

ixflakaøK wjodkfuys úYaf,aIKhla my; oelafõ'

ksuejqï wkqj ixflakaøKh

nexl=j iuQyh


re' Z000

2017

re' Z000

2018

re' Z000

2017

re' Z000

Kh yd w;a;sldrï

Wlia Kh 30,530,726 23,874,051 30,530,726 23,874,051ld¾h uKav, Kh 6,103,442 5,057,767 6,103,442 5,057,767

ld,Sk Kh

fláld,Sk 6,080,407 1,458,560 6,080,407 1,458,560È.=ld,Sk 380,231,640 340,380,153 380,231,640 340,380,153

fjk;a

Y%S ,xld rdcH iq/l=ïm;a – – – –rchg ,ndÿka Kh 2,075,000 2,075,000 2,075,000 2,075,000m%;s úl=Kqï .súiqï hgf;a ñ,§ .;a iq/l=ï 2,357,240 5,592,973 2,382,213 4,305,869

o< tl;=j 427,378,455 378,438,504 427,403,428 377,151,400

lafIa;%h wkqj ixflakaøkh

nexl=j iuQyh


re' Z000

2017

re' Z000

2018

re' Z000

2017

re' Z000

Kh yd w;a;sldrï

lDIsld¾ñl yd ëjr 20,817,480 14,990,754 20,817,480 14,990,754ksIamdok – – – –ixpdrl 38,746 49,042 38,746 49,042m%jdyk 1,356,593 1,040,305 1,356,593 1,040,305bÈlsÍï$ ksjdi 116,223,402 107,478,175 116,223,402 107,478,175jdKsc – – – –kj wd¾Ól – – – –

fjk;a

uQ,H yd jHdmdßl fiajd 26,413,837 27,452,914 26,413,837 27,452,914há;, myiqlï 76,286,787 76,080,169 76,286,787 76,080,169n,Yla;s 6,801,197 8,525,567 6,801,197 8,525,567wOHdmk 36,362,632 31,844,099 36,362,632 31,844,099

mqoa.,sl$Wlia$fjk;a 143,077,781 110,977,478 143,102,754 109,690,374

o< tl;=j 427,378,455 378,438,504 427,403,428 377,151,400







53'1'1' ^wd& Kh l<U l<ukdlrKh îïnkaOhs&

Kh yd w;a;sldrï lafIa;%h wkqj j¾.SlrKh - nexl=j

4.87%lDIsld¾ñl yd

ëjr

0.01%ixpdrl

0.32%m%jdyk

27.19%bÈlsÍï$ksjdi

6.18%uQ,H yd jHdmdßl fiajd

33.48%mqoa.,sl$Wlia$fjk;a

8.51%wOHdmk

1.59%n,Yla;s

17.85%há;, myiqlï

2018

3.96%lDIsld¾ñl yd

ëjr

0.01%ixpdrl

0.27%m%jdyk

17.79%bÈlsÍï$ksjdi

7.26%uQ,H yd jHdmdßl fiajd

39.95%mqoa.,sl$Wlia$fjk;a

8.41%wOHdmk

2.25%n,Yla;s

20.10%há;, myiqlï

2017

53'1'1 ^we& uQ,H j;alï ldKav jYfhka ^f.úhhq;= Èkh miqjQ& Kh .=Kd;aul;dj

foieïn¾ 31 Èkg igyk f.ùug kshñ;

Èk bl=;a fkdjQ

yd ydkslrKh

ù fkdue;s

re' Z000

f.ùug kshñ;

Èk bl=;ajQ kuq;a

ydkslrKh ù

fkdue;s

re' Z000

flaj,

ydkslrKh

re' Z000

tl;=j

re' Z000

j;alï

uqo,a yd uqo,a iudkhka ô<&) 16 3,434,750 – – 3,434,750uy nexl=j fj;e;s fYaIhka 17 – – – –nexl=j, ;ekam;= ô<&) 18 17,591,466 – – 17,591,466jHq;amkak uQ,H WmlrK 19 4,740,106 – – 4,740,106,dN$w,dN u.ska yªkd.;a uQ,H j;alï

- idOdrK w.hg .Kkh l< 20 16,680,382 – – 16,680,382- idOdrK w.hg kï l< – – – –


- Kh yd w;a;sldrï ô<&) 21 388,425,969 38,952,486 – 427,378,455- Kh yd fjk;a WmlrK ô<&) 22 518,957,041 – – 518,957,041


uQ,H j;alï 23 6,184,430 – – 6,184,430

956,014,144 38,952,486 – 994,966,630

) ydkslrKh i|yd iduQyslj w.hd we;'







53'1'1 ^we& uQ,H j;alï ldKav jYfhka ^f.úhhq;= Èkh miqjQ& Kh .=Kd;aul;dj

f.ùug kshñ; Èk bl=;a jQ kuq;a ydkslrKh ù fkdue;s ^Wod' tla Èkla fyda Bg jeä Èk i|yd ysÕ uqo,a iys;& Kh" uQ,H j;alï mka;s wkqj

úYaf,aIKh

f.ùug kshñ; Èk bl=;a jQ kuq;a ydkslrKh fkdjQ

foieïn¾ 31 Èkg - 2018 Èk 1 -30 w;r

re' Z000

Èk 31 - 60 w;r

re' Z000

Èk 61 - 90 w;r

re' Z000

Èk 90 g jeä

re' Z000

tl;=j

re' Z000

l%uCIh msßjeh u; uQ,H j;alï -

Kh yd w;a;sldrï ô<&) 27,606,474 4,528,089 412,766 6,405,157 38,952,486

71% 12% 1% 16% 100%

tla Èkla fyda Bg jeä Èk i|yd ys. uqo,a iys; myiqlï "f.ùug kshñ; Èk bl=;a jQ" hehs i,lkq ,efí'

foieïn¾ 31 Èkg - 2017 igyk f.ùug kshñ;

Èk bl=;a fkdjQ

yd ydkslrKh ù

fkdue;s

re' Z000

f.ùug kshñ;

Èk bl=;a jQ kuq;a

ydkslrKh ù

fkdue;s

re' Z000

flaj,

ydkslrKh

re' Z000

tl;=j

re' Z000

j;alï

uqo,a yd uqo,a iudkhka ô<&) 16 3,849,627 – – 3,849,627uy nexl=j fj;e;s fYaIhka 17 – – – –nexl=j, ;ekam;= ô<&) 18 23,438,104 – – 23,438,104jHq;amkak uQ,H WmlrK 19 1,360,714 – – 1,360,714,dN$w,dN u.ska yªkd.;a uQ,H j;alï

- idOdrK w.hg .Kkh l< 20 6,472,314 – – 6,472,314 - idOdrK w.hg kï l< – – – –


- Kh yd w;a;sldrï ô<&) 21 348,000,812 30,437,692 – 378,438,504 - Kh yd fjk;a WmlrK ô<&) 22 555,740,085 – – 555,740,085


uQ,H j;alï 23 5,693,829 – – 5,693,829

tl;=j 944,555,485 30,437,692 – 974,993,177

) ydkslrKh i|yd iduQyslj w.hd we;'

f.ùug kshñ; Èk bl=;a jQ kuq;a ydkslrKh ù fkdue;s ^Wod' tla Èkla fyda Bg jeä Èk i|yd ysÕ uqo,a iys;& Kh" uQ,H j;alï mka;s wkqj

úYaf,aIKh

f.ùug kshñ; Èk bl=;a jQ kuq;a ydkslrKh fkdjQ

foieïn¾ 31 Èkg - 2017 Èk 1-30 w;r

re' Z000

Èk 31-60 w;r

re' Z000

Èk 61-90 w;r

re' Z000

Èk 9g jeä

re' Z000

tl;=j

re' Z000

l%uCIh msßjeh u; uQ,H j;alï -

Kh yd w;a;sldrï ô<&) 21,234,233 3,656,028 339,814 5,207,617 30,437,692

70% 12% 1% 17% 100%

tla Èkla fyda Bg jeä Èk i|yd ys`. uqo,a iys; myiqlï" f.ùug kshñ; Èk bl=;a jQ" hehs i,lkq ,efí'







53'1'1' ^wE& uQ,H j;alï ldKav jYfhka Kh .=Kd;aul;dj – wÈhr jYfhka – nexl=j

l%uCIh msßjeh ydkslrK m%;smdok

foieïn¾ 31 Èkg – 2018 igyk Kh

ydkslrKh

fkdjQ

re' Z000

1 wÈhr

re' Z000

2 wÈhr

re' Z000

3 wÈhr

re' Z000

tl;=j

re' Z000

1 wÈhr

re' Z000

2 wÈhr

re' Z000

3 wÈhr

re' Z000

tl;=j

re' Z000

uQ,H

;;a;ajh

wkqj

re' Z000

j;alï

uqo,a yd uqo,aj,g iudkhka 16 893,804 2,540,946 – – 3,434,750 227 – – 227 3,434,524

uy nexl=j fj;e;s fYaIhka 17 – – – – – – – – – –

nexl=j, ;ekam;= 18 – 17,591,466 – – 17,591,466 3,021 – – 3,021 17,588,445

jHq;amkak uQ,H WmlrK 19 4,740,106 – – – 4,740,106 – – – – 4,740,106

,dN$w,dN u`.ska y`ÿkd.;a uQ,H

j;alï 20

- idOdrK w.hg .Kkh l< 16,680,382 – – – 16,680,382 – – – – 16,680,382

- idOdrK w.hg kï l< – – – – – – – – – –


- Kh yd w;a;sldrï 21 28,819,417 385,683,843 6,470,038 6,405,157 427,378,454 1,610,731 272,348 1,963,230 3,846,310 423,532,145

- Kh yd fjk;a WmlrK 22 505,791,978 13,165,063 – – 518,957,041 9,072 – – 9,072 518,947,969

fjk;a úia;S¾K wdodhï u.ska

idOdrK w.hg .Kkh l<

uQ,H j;alï 23 6,184,430 – – – 6,184,430 – – – – 6,184,430

tl;=j 563,110,118 418,981,317 6,470,038 6,405,157 994,966,630 1,623,051 272,348 1,963,230 3,858,630 991,108,000

53'1'1' ^wE& uQ,H j;alï ldKav jYfhka Kh .=Kd;aul;dj – wÈhr jYfhka – nexl=j

l%uCIh msßjeh ydkslrK m%;smdok

foieïn¾ 31 Èkg – 2018 igyk Kh

ydkslrKh

fkdjQ

re' Z000

1 wÈhr

re' Z000

2 wÈhr

re' Z000

3 wÈhr

re' Z000

tl;=j

re' Z000

1 wÈhr

re' Z000

2 wÈhr

re' Z000

3 wÈhr

re' Z000

tl;=j

re' Z000

uQ,H

;;a;ajh

wkqj

re' Z000

j;alï

uqo,a yd uqo,aj,g iudkhka 16 1,163,604 2,686,022 – – 3,849,626 97 – – 97 3,849,530

uy nexl=j fj;e;s fYaIhka 17 – – – – – – – – – –

nexl=j, ;ekam;= 18 – 23,438,104 – – 23,438,104 830 – – 830 23,437,274

jHq;amkak uQ,H WmlrK 19 1,360,714 – – – 1,360,714 – – – – 1,360,714

,dN$w,dN u`.ska y`ÿkd.;a

uQ,H j;alï 20

- idOdrK w.hg .Kkh l< 6,472,314 – – – 6,472,314 – – – – 6,472,314

- idOdrK w.hg kï l< – – – – – – – – – –

l%uCIh msßjeh u; uQ,H

j;alï

- Kh yd w;a;sldrï 21 28,589,141 340,653,973 3,988,238 5,207,152 378,438,504 1,127,166 128,432 1,479,175 2,734,773 375,703,730

- Kh yd fjk;a WmlrK 22 485,116,951 70,623,134 – – 555,740,085 271,467 – – 271,467 555,468,618

fjk;a úia;S¾K wdodhï u`.ska

idOdrK w.hg .Kkh l<

uQ,H j;alï 23 5,693,829 – – – 5,693,829 – – – – 5,693,829

tl;=j 528,396,553 437,401,233 3,988,238 5,207,152 974,993,176 1,399,560 128,432 1,479,175 3,007,167 971,986,009





53'2 øjYS,;d wjodku

fYaIm;%h ;=< fyda bka mßndysrj .súiqï.; iy wiïNdjH uQ,H ne|Sï i|yd f.ùï ie,lshhq;= w,dNhla fkdue;sj bgq lsÍug nexl=jg we;s

fkdyelshdj øjYS,;d wjodku fõ'

53'2'1 øjYS,;d j;alï ixflakaøKh

ish ;ekam;= j,ska 60] la" rdcH iq/l=ïm;a j, wdfhdackh lsÍug nexl=jg mejÍ we;s kshduk wjYH;dj fya;=fjka by< jHjia:dms; øjYS,

j;alï wkqmd;hla mj;ajd .ekSug nexl=jg isÿfõ' jHjia:dms; wjYH;dj jk 20] g jvd fnfyúka jeä 54'9] l øjYS,;d wkqmd;hla

nexl=j úiska oekg mj;ajdf.k hkq ,nhs' nexl=fõ iuia; øjYS, j;alu fj;ska 94'7] la ksfhdackh jkafka rdcH iq/l=ïm;a j, lr we;s

wdfhdackhka u`.sks'

nexl=j iuQyh


re' Z000

2017

re' Z000

2018

re' Z000

2017

re' Z000

øjYS,;d j;alï wkqmd;h

j¾Idjidkhg 54.9 73.4 – – cQks 30 Èkg 71.7 74.1 – – j¾IdrïNfha§ 73.4 72.6 – –;ekam;= i|yd o< Kh iy w;a;sldrï 50.9 52.9 50.9 52.8

uq¿ j;alïj,g Y=oaO Kh iy w;a;sldrï 40.8 38.3 40.3 38.0

øjYS,;d j;alï yd j.lSï – nexl=j

wNHka;r jHdmdßl tall

2018

re' Z000

2017

re' Z000

øjYS, j;alï tl;=j

uqo,a 1,026,726 1,006,187 n,m;%,dNS jdKsc nexl=j, we;s fYaIhka 20,372,364 26,584,690 b,a,qï ;ekam;= - Y%S ,xld – 643 Y%S ,xld rch úiska ksl=;a l< fyda wemjk ,o NdKavd.dr ì,am;a yd iq/l=ïm;a 25,230,190 28,055,179 /ia lsÍfï l%shdj,sfhys uqo,a whs;u 271,129 277,031 tf;r nexl=j, fYaIhka 685,650 272,007 NdKavd.dr ne÷ïlr 376,736,980 395,209,012 Y%S ,xld ixj¾Ok ne÷ïlr 167,067 57,674,658 øjYS, j;alï tl;=j ^foieïn¾ udih ;=< jHjia:dms; øjYS, j;alïys ffoksl idudkHh& 424,490,106 509,079,407 wju øjYS, j;alï wjYH;djhg hg;aj mokï jQ j.lSï tl;=j 773,498,104 693,235,258 øjYS, j;alï wkqmd;h ^]& 54.88 73.44

53'2'2 l,amsÍu f;la b;sßj we;s .súiqï.; ld,iSudj - nexl=j iy iuQyh

msgq wxl 372 isg 374 ys igyka wxl 54 u.ska fy<sorõ lsÍï olajd we;'





53'2 øjYS,;d wjodku îïnkaOhs&

53'2'3 bÈß wruqo,a iemhSug wod< uQ,H j;alï

bÈß wruqo,a iemhSug wod< nexl=fõ mj;sk uQ,H j;alï my; olajd we;'

nexl=j iuQyh

ne`§ï iys; ne|Sï rys; tl;=j) ne`§ï iys; ne`§ï rys; tl;=j)

2018 foieïn¾ 31 Èkg igyk iq/l=ï f,i

wem ;nk

re' Z000

fjk;a

re' Z000

iq/l=ï f,i

bÈßm;a

l<yels

re' Z000

fjk;a

re' Z000 re' Z000

iq/l=ï f,i

wem ;nk

re' Z000

fjk;a

re' Z000

iq/l=ï f,i

bÈßm;a l<yels

re' Z000

fjk;a

re' Z000 re' Z000

uqo,a yd uqo,aj,g iudkhka 16 – – 3,434,750 – 3,434,750 – – 3,437,155 – 3,437,155

uy nexl=j fj;e;s fYaIhka 17 – – – – – – 177 – 177

nexl=j, ;ekam;= 18 – – 17,591,466 17,591,466 – – 17,591,466 – 17,591,466

jHq;amkak uQ,H WmlrK 19 – – – 4,740,106 4,740,106 – – – 4,740,106 4,740,106

,dN$w,dN u`.ska yªkd.;a uQ,H

j;alï 20

- idOdrK w.hg .Kkh l< – – 16,680,382 – 16,680,382 9,595,990 17,271,543 – 26,867,533

- idOdrK w.hg kï l< – – – – – – – – – –


- Kh yd w;a;sldrï 21 – – 427,378,455 – 427,378,455 – – 427,403,428 – 427,403,428

- Kh yd fjk;a WmlrK 22 69,160,408 – 449,796,633 – 518,957,041 72,546,833 450,435,443 – 522,982,276


idOdrK w.hg .Kkh l< uQ,H

j;alï 23 – – 6,184,430 – 6,184,430 1,524,097 – 6,264,463 – 7,788,560

tl;=j 69,160,408 – 921,066,116 4,740,106 994,966,630 83,666,920 177 922,403,498 4,740,106 1,010,810,702

nexl=j iuQyh

ne`§ï iys; ne|Sï rys; tl;=j) ne`§ï iys; ne`§ï rys; tl;=j)

2018 foieïn¾ 31 Èkg igyk iq/l=ï f,i

wem ;nk

re' Z000

fjk;a

re' Z000

iq/l=ï f,i

bÈßm;a

l<yels

re' Z000

fjk;a

re' Z000 re' Z000

iq/l=ï f,i

wem ;nk

re' Z000

fjk;a

re' Z000

iq/l=ï f,i

bÈßm;a l<yels

re' Z000

fjk;a

re' Z000 re' Z000

uqo,a yd uqo,aj,g iudkhka 16 – – 3,849,627 – 3,849,627 – – 3,854,086 – 3,854,086

uy nexl=j fj;e;s fYaIhka 17 – – – – - – 94 - 94

nexl=j, ;ekam;= 18 – – 23,438,104 23,438,104 – – 23,438,104 – 23,438,104

jHq;amkak uQ,H WmlrK 19 – – – 1,360,714 1,360,714 – – – 1,360,714 1,360,714

,dN$w,dN u.ska yªkd.;a uQ,H

j;alï 20

- idOdrK w.hg .Kkh l< – – 6,472,314 – 6,472,314 2,848,477 6,541,473 – 9,389,950

- idOdrK w.hg kï l< – – – – – – – – – –


- Kh yd w;a;sldrï 21 – – 378,438,504 – 378,438,504 – – 377,151,400 – 377,151,400

- Kh yd fjk;a WmlrK 22 48,382,000 – 507,358,085 – 555,740,085 51,689,909 507,901,410 – 559,591,319



j;alï 23 – – 5,693,829 – 5,693,829 1,690,832 – 5,823,100 – 7,513,932

tl;=j 48,382,000 – 925,250,463 1,360,714 974,993,177 56,229,218 94 924,709,573 1,360,714 982,299,598

) ydkslrK m%;smdokj,g fmr w.hka olajd we;'





53'3 fj<|fmd< wjodku

fj<|fmd< ñ, .Kkaj, ixp,khka úfYaIfhka fmd,S wkqmd;sl j," úfoaY úksuh wkqmd;slj, yd ysñlï fldgia ñ, .Kkaj, fjkialï

fya;=fldg f.k nexl=j flfrys n,mdk fj<|fmd< wjodku we;s fõ' Kh yd fj<|fmd< øjYS, wjodku wd§ fjk;a uQ,H wjodkï u.ska

fj<|fmd< wjodku fndfyda úg jHdma; fjhs' fYaI m;%fhka mßndysr fukau fYaIm;%h ;=, jk isÿùï u; fuu w,dN we;s ùfï wjodku

yg.kq we;'

cd;sl b;sßlsÍfï nexl=jg n,mdk fj<|fmd< wjodkï m%Nj

my; i|yka m%Njhka ;=,ska nexl=j fj<|fmd< wjodkug ksrdjrKh ùu yg .kS'

NdKavd.dr iq/l=ï l<U ^rdcH iq/l=ï iy wkque;sh ,;a fjk;a ia:djr wdodhï iq/l=ïm;a&

m%;s ñ,§ .ekSï iy m%;s úlsKSfï .ssúiqï hgf;a ñ,§ .ekSï .kqfokq

úfoaY úksuh yd iïnkaO nexl= fufyhqï

ysñlï wdfhdack

jHq;amkak

wkqmd;sl ixfõ§ j;alï – j.lSï fkd.e,mSu

53'3'1 fj<|fmd, wjodku fj<| yd fj<| fkdjk ksrdjrKh ùï

,dN fyda w,dN u`.ska idOdrK w.hg fkdjk iy ,dN fyda w,dN u.ska idOdrK w.hg jk uQ,H j;alï yd j.lSSï j, fj<|fmd< wjodku

my; olajd we;'

nexl=j iuQyh

2018 foieïn¾ 31 Èkg igyk OdrK w.h

re' Z000

fj<|dï i|yd

ksrdjrKh ùï

re' Z000

fj<| fkdjk

ksrdjrKh ùï

re' Z000

OdrK w.h

re' Z000

fj<|dï i|yd

ksrdjrKh ùï

re' Z000

fj<| fkdjk

ksrdjrKh ùï

re' Z000

fj<òfmd, wjodkug hg;a j;alï

uqo,a yd uqo,aj,g iudkhka 16 3,434,524 – 3,434,524 3,436,929 – 3,436,929

uy nexl=j fj;e;s fYaIhka 17 – – – 177 – 177nexl=j, ;ekam;= 18 17,588,445 – 17,588,445 17,588,445 – 17,588,445jHq;amkak uQ,H WmlrK 19 4,740,106 – 4,740,106 4,740,106 – 4,740,106,dN$w,dN u.ska yªkd.;a uQ,H

j;alï 20- idOdrK w.hg .Kkh l< 16,680,382 16,680,382 – 26,867,533 26,867,533 –- idOdrK w.hg kï l< – – – – – –


- Kh yd w;a;sldrï 21 423,532,145 – 423,532,145 423,557,119 – 423,557,119 - Kh yd fjk;a WmlrK 22 518,947,969 – 518,947,969 522,973,159 – 522,973,159fjk;a úia;S¾K wdodhï u`.ska


j;alï 23 6,184,430 – 6,184,430 7,788,560 – 7,788,560

tl;=j 991,108,001 16,680,382 974,427,619 1,006,952,028 26,867,533 980,084,495





53'3 fj<|fmd< wjodku îïnkaOhs&

53'3'1 fj<|fmd, wjodku fj<| yd fj<| fkdjk ksrdjrKh ùï îïnkaOhs&

nexl=j iuQyh


re' Z000

fj<|dï i|yd

ksrdjrKh ùï

re' Z000

fj<| fkdjk

ksrdjrKh ùï

re' Z000

OdrK w.h

re' Z000

fj<|dï i|yd

ksrdjrKh ùï

re' Z000

fj<| fkdjk

ksrdjrKh ùï

re' Z000

fj<|fmd, wjodkug hg;a j.lSï

nexl= j,g f.úh hq;== 31 77,119,146 – 77,119,146 83,615,264 – 83,615,264jHq;amkak uQ,H WmlrK 32 1,533 1,533 – 1,533 1,533 –,dN fyda w,dN u`.ska y`ÿkd.;a

uQ,H j.lSï 33 – – – – – –l%uCIh msßjeh u; uQ,H j.lSï 34 - ;ekam;alrejkag f.úh hq;= 839,574,411 – 839,574,411 839,574,411 – 839,574,411 - Kh iq/l=ïm;a ysñhkag

f.úhhq;= – – – – – - fjk;a Kh.ekSï i|yd

f.úhhq;= 14,804,802 – 14,804,802 21,750,178 – 21,750,178ksl=;a l< Kh iq/l=ïm;a 35 52,389,133 – 52,389,133 52,389,133 – 52,389,133

tl;=j 983,889,024 1,533 983,887,491 997,330,518 1,533 997,328,986

nexl=j iuQyh


re' Z000

fj<|dï i|yd

ksrdjrKh ùï

re' Z000

fj<| fkdjk

ksrdjrKh ùï

re' Z000

OdrK w.h

re' Z000

fj<|dï i|yd

ksrdjrKh ùï

re' Z000

fj<| fkdjk

ksrdjrKh ùï

re' Z000

fj<|m< wjodkug hg;a j;alï

uqo,a yd uqo,aj,g iudkhka 16 3,849,530 – 3,849,530 3,853,989 – 3,853,989uy nexl=j fj;e;s fYaIhka 17 – – – 177 – 177nexl=j, ;ekam;= 18 23,437,274 – 23,437,274 23,437,274 – 23,437,274jHq;amkak uQ,H WmlrK 19 1,360,714 – 1,360,714 1,360,714 – 1,360,714,dN$w,dN u`.ska y`ÿkd.;a

uQ,H j;alï 20 - idOdrK w.hg .Kkh l< 6,472,314 6,472,314 – 9,389,950 9,389,950 – - idOdrK w.hg kï l< – – – – –


- Kh yd w;a;sldrï 21 375,703,730 – 375,703,730 374,416,626 – 374,416,626 - Kh yd fjk;a WmlrK 22 555,468,618 – 555,468,618 559,319,752 – 559,319,752

fjk;a úia;S¾K wdodhï u`.ska

idOdrK w.hg .Kkh l<

uQ,H j;alï 23 5,693,829 – 5,693,829 7,513,932 – 7,513,932

tl;=j 971,986,009 6,472,314 965,513,695 979,292,415 9,389,950 969,902,465






53'3'1 fj<|fmd< wjodku fj<| yd fj<| fkdjk ksrdjrKh ùï îïnkaOhs&

nexl=j iuQyh


re' Z000

fj<|dï i|yd

ksrdjrKh ùï

re' Z000

fj<| fkdjk

ksrdjrKh ùï

re' Z000

OdrK w.h

re' Z000

fj<|dï i|yd

ksrdjrKh ùï

re' Z000

fj<| fkdjk

ksrdjrKh ùï

re' Z000

fj<|m< wjodkug hg;a j.lSï

nexl= j,g f.úh hq;== 31 48,596,591 – 48,596,591 49,352,574 – 49,352,574jHq;amkak uQ,H WmlrK 32 956,937 – 956,937 956,937 – 956,937,dN fyda w,dN u.ska y|qkd.;a uQ,H

j.lSï 33 – – – – – –l%uCIh msßjeh u; uQ,H j.lSï 34 –- ;ekam;alrejkag f.úhhq;= 737,212,640 – 737,212,640 737,212,640 – 737,212,640- Kh iq/l=ïm;a ysñhkag f.úhhq;= – – – – – –- fjk;a Kh.ekSï i|yd f.úhhq;= 12,837,008 – 12,837,008 17,545,212 – 17,545,212

ksl=;a l< Kh iq/l=ïm;a 35 162,709,027 – 162,709,027 162,709,027 – 162,709,027

tl;=j 962,312,204 – 962,312,204 967,776,390 – 967,776,390

53'3'2 úfoaY úksuh wjodku

tla jHjydßl uqo,a tallhla ;j;a tallhlg yqjudreùfï§ we;s jk úksuh wkqmd;sl ixp,kh fya;=fldg f.k úfoaY úksuh wkqmd;sl wjodku

mek k.ska w;r nexl=fõ bmhSï fyda ysñlï flfrys wys;lr n,mEula fj; fhduqúh yelsh' úfoaY úksuh wkqmd;slhg nexl=j ksrdjrKh jk

w;r" uQ,H WmlrKhl w.h fyda úfoaY j;alïj, wdfhdack" úfoaY úksuh wkqmd;slj, fjkiaùï fya;=fldg f.k WÉpdjpkh úh yelsh'

m%j¾;k úfoaY úksuh wkqmd;slfhys CIhùï i|yd 5]" 10] yd 15] m%lïmk uÜgï wod< lr .ksñka" Y=oaO újD; ;;a;ajfhys" úfoaY úksuh

n,mEfuys úYaf,aIKh" Y=oaO újD; ;;a;ajfhys" (NOP) tla tla uqo,a j¾.h wkqj jk n,mEu iy wdodhï m%ldYfhys n,mEu" 2018 foieïn¾ 31

Èkg my; j.=fjys olajd we;'

we'fvd' Z000 Y%S','re' Z000 u'ì%'m' Z000 Y%S','re' Z000

Y=oaO újD; ;;a;ajh 864 157,818 503 116,581

wd;;s uÜgu wdodhï m%ldYh

u; n,mEu

re' Z000

ixfYdaê;

remsh,a ;;a;ajh

re' Z000

wdodhï m%ldYh

u; n,mEu

re' Z000

ixfYdaê;

remsh,a ;;a;ajh

re' Z000

úksuh wkqmd; u; 5] l m%lïmk ^remsh,a CIhùï& 7,891 165,709 5,829 122,410úksuh wkqmd; u; 10] l m%lïmk ^remsh,a CIhùï& 15,782 173,600 11,658 128,239úksuh wkqmd; u; 15] l m%lïmk ^remsh,a CIhùï& 23,673 181,491 17,487 134,068

cmdk fhka' Z000 Y%S','re' Z000 hQfrda Z000 Y%S','re' Z000

Y=oaO újD; ;;a;ajh (165,415) (272,935) 4,307 900,431

wd;;s uÜgu wdodhï m%ldYh

u; n,mEu

re' Z000

ixfYdaê;

remsh,a ;;a;ajh

re' Z000

wdodhï m%ldYh

u; n,mEu

re' Z000

ixfYdaê;

remsh,a ;;a;ajh

re' Z000

úksuh wkqmd; u; 5] l m%lïmk ^remsh,a CIhùï& (13,647) (286,582) 45,022 945,453 úksuh wkqmd; u; 10] l m%lïmk ^remsh,a CIhùï& (27,294) (300,229) 90,043 990,474 úksuh wkqmd; u; 15] l m%lïmk ^remsh,a CIhùï& (40,940) (313,875) 135,065 1,035,496

úfoaY úksuh wjodku wju lr,kq msKsi nexl= úiska úfoaY úksuh yqjudre .súiqï iy bÈß úfoaY úksuh .súiqïj,g t<U we;' ^msgq wxl 293 isg

295 olajd bÈßm;a lr we;s igyka wxl 19 u`.ska olajd we;'&






53'3'3 ysñlï wjodku

ysñlï u; wdfhdackhka" iuia; j;alï fj;ska 0'54] ksfhdackh lrk w;r" ks, ,ehsia;=.; l< yd fkdl< ysñlï fldgia wdfhdack m%;sY;

ms<sfj,ska 0'5] la yd 0'04] la ne.ska fõ' tfyhska" ysñlï wjodkug nexl==j úYd, jYfhka ksrdjrKh ùula fkdue;' flfia jQjo" ysñlï

wdfhdack u; m%;s,dN flfrys fldgia fj<|fmdf<ys wys;lr p,khka n,mdk ,§' Wmdhud¾.sl fya;=" wd¾Ól ixj¾Okh yd fj<|fmd< ms<sn|

m%;sm;a;suh ;SrK fya;=fldg f.k ks, ,ehsia;=.; fkdl< iud.ïj, wdfhdackh lrkq ,nhs'

nexl=j úiska udisl" ld¾;=uh iy wjYH;d moku u;" —fj<ofmd<g i,l=Kq lr˜" .Kkh lsÍï is¥ lrkq ,nk w;r" ysñlï ñ, .Kkaj, fjki

fya;=fjka we;s jk n,mEu y÷kd.kq ,nhs'

ysñlï fldgia ñ, m%lïmk

u;= oelafjk j.=j ^wdodhï m%ldYhg iy ysñlï flfrys& n,mEu ixCIsma;j oelafjhs'

nexl=j iy iuQyh

2018 2017

igyk ,dN$w,dN

u.ska y`ÿkd.;a

uQ,H j;alï

re' Z000

fjk;a úia;S¾K

wdodhï u`.ska

idOdrK w.hg

uksk ,o

uQ,H j;alï

re' Z000

tl;=j

re' Z000

,dN$w,dN

u.ska y`ÿkd.;a

uQ,H j;alï

re' Z000

fjk;a úia;S¾K

wdodhï u.ska

idOdrK w.hg

uksk ,o

uQ,H j;alï

re' Z000

tl;=j

re' Z000

foieïn¾ 31 Èkg

ysñlï iq/l=ïj, fj<| w.h

20 iy 22 1,878,919 3,447,888 5,326,807 2,357,336 3,876,570 6,233,907

wd;;s uÜgu ,dN$w,dNg

n,mEu

re' Z000

fjk;a úia;S¾K

wdodhug n,mEu

re' Z000

ysñlï i|yd

n,mEu

re' Z000

,dN$w,dNg

n,mEu

re' Z000

fjk;a úia;S¾K

wdodhug n,mEu

re' Z000

ysñlï i|yd

n,mEu

re' Z000

ysñlï ñ, u; 5] l m%lïmk ^by<g& 93,946 172,394 266,340 117,867 193,829 311,695 ysñlï ñ, u; 5] l m%lïmk ^my<g& (93,946) (172,394) (266,340) (117,867) (193,829) (311,695)ysñlï ñ, u; 10] l m%lïmk ^by<g& 187,892 344,789 532,681 235,734 387,657 623,391 ysñlï ñ, u; 10] l m%lïmk ^my<g& (187,892) (344,789) (532,681) (235,734) (387,657) (623,391)ysñlï ñ, u; 15] l m%lïmk ^by<g& 281,838 517,183 799,021 353,600 581,486 935,086 ysñlï ñ, u; 15] l m%lïmk ^my<g& (281,838) (517,183) (799,021) (353,600) (581,486) (935,086)ysñlï ñ, u; 20] l m%lïmk ^by<g& 375,784 689,578 1,065,361 471,467 775,314 1,246,781 ysñlï ñ, u; 20] l m%lïmk ^my<g& (375,784) (689,578) (1,065,361) (471,467) (775,314) (1,246,781)






53'3'3 ysñlï wjodku îïnkaOhs&

ysñlï fldgia u; wdfhdack lafIa;%h wkqj

hï lafIa;%hla iu`. wdY%s; wjodku wju lrkq msKsi fj<| l<fUys úúOdx.SlrKh my; j.=j u`.ska ksrEms;h'

lafIa;%h 2018 2017

msßjeh

re' Z000

uq¿

msßjefhka

] la f,i

fj<|m<

w.h

re' Z000

uq¿ fj<|fmd<

w.fhka ] la

f,i

msßjeh

re' Z000

uq¿

msßjefhka

] la f,i

fj<|m<

w.h

re' Z000

uq¿fj<|fmd<

w.fhka ]la

f,i

1' nexl=" uQ,H yd rCIK 507,640 372,564 21.7 336,293 9.8 264,382 12.2

2' wdydrmdk yd ¥ïfld< – 0.0 – 0.0 21,003 0.6 22,608 1.0

3' ridhksl yd T!IO 100,527 3.1 63,927 3.7 100,527 2.9 74,004 3.4

4' bÈlsÍï yd bxðfkare 408,295 12.5 117,577 6.8 408,295 11.9 188,168 8.7

5' úúOdx.SlD; iud.ï 782,405 23.9 515,862 30.0 1,032,626 30.1 746,764 34.3

6' fydag,a yd ixpdr 694,592 21.2 302,858 17.6 745,466 21.8 383,397 17.6

7' wdfhdack Ndr 11,307 0.3 6,857 0.4 11,307 0.3 8,302 0.4

8' bvï yd foam< 23,777 0.7 15,567 0.9 23,777 0.7 16,419 0.8

9' ksIamdok 301,773 9.2 189,007 11.0 287,345 8.4 293,465 13.4

10' n,Yla;s 46,066 1.4 38,695 2.2 50,719 1.5 49,705 2.3

11' ú¥,s ixfoaY 81,332 2.5 37,757 2.2 94,332 2.8 49,105 2.3

12' fj<|dï 315,149 9.6 60,085 3.5 315,149 9.2 77,820 3.6

wkq tl;=j 3,272,863 100 1,720,756 100 3,426,839 100 2,174,139 100

13' tall Ndr 95,110 2.8 158,163 8.4 95,110 2.7 183,197 7.8

tl;=j 3,367,973 1,878,919 3,521,949 2,357,336

lafIa;%h wkqj ysñlï fldgia u; wdfhdackfhys fj<|fmd< w.h - nexl=j iy iuQyh

fj<| ysñlï l<U 2017

12.2%nexl=" uQ,H yd

rlaIKh

1.0%wdydr mdk yd

ÿïfld<

3.4%ridhksl yd

T!IO

8.7%bÈ lsÍï yd

bxðfkare

34.3%úúOdx.SlD;

iud.ï

17.6%fydag,a yd ixpdr

2.3%úÿ,s ixfoaY

2.3%n, Yla;s

13.4%ksIamdok

0.8%bvï yd foam,

0.4%wdfhdack Ndr

3.6%fj<òdï

2017

21.7%nexl=" uQ,H yd

rlaIKh

0.0%wdydr mdk yd

ÿïfld<

3.7%ridhksl yd

T!IO

6.8%bÈ lsÍï yd

bxðfkare

30.0%úúOdx.SlD;

iud.ï

17.6%fydag,a yd ixpdr

2.2%úÿ,s ixfoaY

2.2%n, Yla;s

11.0%ksIamdok

0.9%bvï yd foam,

0.4%wdfhdack Ndr

3.5%fj<òdï

fj<| ysñlï l<U 2018

2018






53'3'4 fmd,S wkqmd;sl wjodku

´kEu fmd,S wkqmd;sl iïnkaO;djhl§ fyda m%;s,dN jl%fha yevfha§ wkqmd;sl folla w;r" jHdma;sfha§ wdfhdackhl jákdlu" fmd,S wkqmd;sl

mQ¾K uÜgfï§ fjkiaùfï wjodku" fmd,S wkqmd;sl wjodkuhs' uq¿ fYaI m;% j.lSïj,ska 80'93] la ksfhdackh lrkq ,nk ;ekam;=" nexl=fõ

wruqo,a imhk m%Odk;u m%Njhhs' ñka 23'62] la b;=reï ;ekam;=o 76'38] la ia:djr ;ekam;=o ksfhdackh lrhs'

53'3'4 ^w& fmd,S wkqmd;sl wjodku – ixfõÈ;d úYaf,aIKh

2018 foieïn¾ 31 Èkg nexl=fõ fmd,S wkqmd;sl ixfõ§ jd¾;dj my; olajd we;'

nexl=j udi 0 isg 1 olajd

re' Z000

udi 0 isg 3 olajd

re' Z000

udi 0 isg 6 olajd

re' Z000

udi 0 isg 12 olajd

re' Z000

fmd,S iys; j;alï 37,126,827 71,149,238 104,526,636 216,552,684

nexl= fYaIhka iy ;ekam;a lsÍï 749,722 8,975,812 12,068,111 17,601,973,dN$w,dN u`.ska y`ÿkd.;a uQ,H j;alï

- idOdrK w.hg .Kkh l< 190,318 526,079 570,635 571,242l%uCIh msßjehg uQ,H j;alï


fjk;a úia;S¾K wdodhï u`.ska idOdrK w.hg .Kkh l<

uQ,H j;alï 88,653 93,693 96,110 96,110

fmd,S ork j.lSï 225,453,233 498,851,396 659,431,869 947,717,986

nexl= j,g f.úh hq;== 53,842,968 58,368,770 61,920,449 65,087,313l%uCIh msßjeh u; uQ,H j.lSï

- ;ekam;alrejkag f.úhhq;= 158,160,107 425,141,386 582,029,005 821,436,738 - Kh iq/l=ïm;a ysñhkag f.úhhq;= – – – – - fjk;a Kh.ekSï i|yd f.úhhq;= 13,450,158 14,619,083 14,762,981 14,804,802

ksl=;a l< Kh iq/l=ïm;a – 722,157 719,434 46,389,133

Y=oaO wkqmd; ixfõ§;d j;alï ^j.lSï& (188,326,406) (427,702,158) (554,905,233) (731,165,302)

fmd,S wkqmd;sl ixfõ§;d wkqmd; ^]& 16 14 16 23






53'3'4 fmd,S wkqmd;sl wjodku îïnkaOhs&

53'3'4 ^w& fmd,S wkqmd;sl wjodku – ixfõÈ;d úYaf,aIKh îïnkaOhs&

2018 foieïn¾ 31 Èkg iuQyfha fmd,S wkqmd;sl ixfõ§ jd¾;dj my; olajd we;'

iuQyh udi 0 isg 1 olajd

re' Z000

udi 0 isg 3 olajd

re' Z000

udi 0 isg 6 olajd

re' Z000

udi 0 isg 12 olajd

re' Z000

fmd,S iys; j;alï 37,361,505 71,853,272 105,656,047 218,532,850

nexl= fYaIhka iy ;ekam;a lsÍï 749,722 8,975,812 12,068,111 17,601,973,dN$w,dN u.ska yªkd.;a uQ,H j;alï

- idOdrK w.hg .Kkh l< 361,118 1,038,479 1,280,540 1,676,158l%uCIh msßjehg uQ,H j;alï


fjk;a úia;S¾K wdodhï u.ska idOdrK w.hg .Kkh l< uQ,H

j;alï 113,852 169,290 363,290 746,457

fmd,S ork j.lSï 229,031,968 509,587,603 671,069,838 961,159,480



ksl=;a l< Kh iq/l=ïm;a – 722,157 719,434 46,389,133



2017 foieïn¾ 31 Èkg nexl=fõ fmd,S wkqmd;sl ixfõ§ jd¾;dj my; olajd we;'

nexl=j udi 0 isg 1 olajd

re' Z000

udi 0 isg 3 olajd

re' Z000

udi 0 isg 6 olajd

re' Z000

udi 0 isg 12 olajd

re' Z000

fmd,S ork j;alï 24,434,435 55,616,881 117,697,502 316,867,302

nexl= fYaIhka iy ;ekam;a lsÍï 1,008,750 5,089,145 11,196,173 23,820,037,dN$w,dN u.ska yªkd.;a uQ,H j;alï




uQ,H j;alï – 942 1,173,177 1,173,177

fmd,S ork j.lSï 199,871,593 456,013,831 585,765,770 901,999,449



ksl=;a l< Kh iq/l=ïm;a – 3,565,034 3,538,408 118,422,673








53'3'4 fmd,S wkqmd;sl wjodku îïnkaOhs&

53'3'4 ^w& fmd,S wkqmd;sl wjodku – ixfõÈ;d úYaf,aIKh îïnkaOhs&

2017 foieïn¾ 31 Èkg iuQyfha fmd,S wkqmd;sl ixfõ§ jd¾;dj my; olajd we;'

iuQyh udi 0 isg 1 olajd

re' Z000

udi 0 isg 3 olajd

re' Z000

udi 0 isg 6 olajd

re' Z000

udi 0 isg 12 olajd

re' Z000

fmd,S ork j;alï 24,543,750 55,944,828 118,614,158 318,961,380

nexl= fYaIhka iy ;ekam;a lsÍï 1,008,750 5,089,145 11,196,173 23,820,037,dN$w,dN u.ska yªkd.;a uQ,H j;alï



fjk;a úia;S¾K wdodhï u.ska idOdrK w.hg .Kkh l< uQ,H

j;alï – 942 1,241,217 1,377,299

fmd,S ork j.lSï 201,837,047 461,910,194 592,040,049 909,029,561



ksl=;a l< Kh iq/l=ïm;a – 3,565,034 3,538,408 118,422,673



53'3'4' ^wd& fmd,S wkqmd; wjodkug ksrdjrKhùï

úúO fmd,S wkqmd; ixisoaëka nexl=fõ uQ,H j;alï iy uQ,H j.lSïj, ixfõ§;dj wëCIKh lsÍu ;=<ska fmd,S wkqmd;sl mr;r iSudjg tfrysj

fmd,S wkqmd;sl wjodku l<ukdlrKh mßmQrKh flfrhs'

tla wjqre¥ iSudjg wvq l,amsÍfï ldKavh ;==< ksr;=rej r|jd.kq ,nk ish,qu wfkl=;a úp,Hhkays fmd,S wkqmd;slj, fjkiaùï fya;=fjka jd¾;d

lrkq ,nk Èkg nexl=fõ wdodhï m%ldYfhys ixfõ§;dj my; i|yka j.=j u.ska ksrEms;h'

m%lafIams; Y=oaO fmd,S wdodhfuys ixfõ§;dj

2018

Y=oaO fmd,S wdodhu

iudka;r jeäùu

re' Z000

iudka;r wvqùu

re' Z000

uQ,sl wxlk 25 lska fjkiaùu (1,267,530) 1,267,530 uQ,sl wxlk 50 lska fjkiaùu (2,535,061) 2,535,061 uQ,sl wxlk 100 lska fjkiaùu (5,070,121) 5,070,121





53'4 fufyhqï wjodku

m%udKj;a fkdjk fyda ì| jeàï iys; wNHka;r ls%%hdj,Ska" mqoa.,hska" moaO;s fyda ndysr isÿùï ksid w,dN yg.ekSfï wjodku" fufyhqï

wjodku f,i nexl= wëËKh ms<sn| ndi,a lñgqj ks¾jpkh lrhs'

fufyhqï wjodkï l<ukdlrK wdlD;sh

jvd;a ld¾hCIu" mdroDIH" ,dNodhS iy ;sridr jHdmdßl fufyhqï idlaId;a lr .ekSu i|yd WmldÍ jk fufyhqï wjodkï l<ukdlrK jHqyhla

nexl=j i;= fõ' ukd jHqy.; md,khla" m%;sm;a;suh wdlD;slhla iy wjodkï l<ukdlrK l%shdj,Ska Bg we;=<;ah' wjodkï l<ukdlrK

wxYfhys fufyhqï wjodkï l<ukdlrK tallh u.ska nexl=fõ fufyhqï wjodkï ms<sn|j wjodkï l<ukdlrK lñgqj" wOHCI uKav,

taldnoaO wjodkï l<ukdlrK lñgqj iy wOHCI uKav,h fj; jd¾;d lrkq ,nhs'

54 l,aa msÍfï úYaf,AIKh

nexl=j udi 03 olajd

re' Z000

udi 03 isg 12

olajd

re' Z000

jir 1 isg

3 olajd

re' Z000

jir 3 isg

5 olajd

re' Z000

jir 5 lg

jeä

re' Z000

2018'12'31

Èskg tl;=j

re' Z000

2017'12'31

Èskg tl;=j

re' Z000

l,a msÍfï .súiqï iys; j;alï

^fmd,S iys; j;alï&

uqo,a yd uqo,a iudkhka 13,528 – – – – 13,528 382,763nexl=j, we;s ;ekam;= 8,962,285 8,626,160 – – – 17,588,445 23,437,274,dN$w,dN u.ska y`ÿkd.;a uQ,H j;alï

- idOdrK w.hg .Kkh l< 526,079 45,164 1,562,229 5,587,752 7,080,240 14,801,463 4,114,978l%uCIh msßjehg uQ,H j;alï

- Kh yd w;a;sldrï 24,859,047 76,313,691 116,389,323 75,402,639 130,567,445 423,532,145 375,703,730 - Kh yd fjk;a WmlrK 36,694,607 60,416,015 100,748,159 124,717,849 196,371,339 518,947,969 555,468,618fjk;a úia;S¾K wdodhï u.ska idOdrK

w.hg .Kkh l< uQ,H j;alï 93,693 2,417 574,676 1,614,189 148,939 2,433,915 1,252,87871,149,238 145,403,447 219,274,387 207,322,429 334,167,963 977,317,466 960,360,241

fjk;a j;alï

^fmd,S rys; j;alï&

uqo,a yd uqo,a iudkhka 3,420,996 – – – – 3,420,996 3,466,767jHq;amkak uQ,H WmlrK 4,740,106 – – – – 4,740,106 1,360,714,dN$w,dN u.ska yªkd.;a uQ,H j;alï

- idOdrK w.hg .Kkh l< 469,730 1,409,189 – – – 1,878,919 2,357,336fjk;a úia;S¾K wdodhï u.ska idOdrK

w.hg .Kkh l< uQ,H j;alï – – – – 3,750,515 3,750,515 4,440,951md,s; iud.ïj, wdfhdack – – – – 1,700,000 1,700,000 900,000foam," msßh; iy WmlrK – – – – 13,465,755 13,465,755 12,395,684

fjk;a j;alï 845,513 9,129,458 8,887,211 6,541,719 5,805,314 31,209,216 25,695,689

9,476,345 10,538,647 8,887,211 6,541,719 24,721,584 60,165,507 50,617,141

uq`M j;alï 80,625,583 155,942,094 228,161,598 213,864,148 358,889,547 1,037,482,973 1,010,977,382




54' l,aa msÍfï úYaf,AIKh îïnkaOhs&

nexl=j udi 03 olajd

re' Z000

udi 03 isg 12

olajd

re' Z000

jir 1 isg

3 olajd

re' Z000

jir 3 isg

5 olajd

re' Z000

jir 5 lg

jeä

re' Z000

2018'12'31

Èskg tl;=j

re' Z000

2017'12'31

Èskg tl;=j

re' Z000

l,a msÍfï .súiqï iys; j.lSï

^fmd,S iys; j.lSï&

nexl=j,g f.úh hq;= 58,368,770 6,718,543 12,031,832 – – 77,119,146 48,596,591l%uCIh msßjeh u; uQ,H j.lSï

- ;ekam;alrejkag f.úhhq;= 425,141,386 396,295,352 13,301,606 4,836,068 – 839,574,411 737,212,640 - fjk;a Kh.ekSï i|yd f.úhhq;= 14,619,083 185,718 – – – 14,804,802 12,837,008ksl=;a l< Kh iq/l=ïm;a – 46,389,133 – 6,000,000 – 52,389,133 162,709,027

498,129,239 449,588,746 25,333,438 10,836,068 – 983,887,491 961,355,266

fjk;a j.lSï

^fmd,S rys; j.lSï&

jHq;amkak uQ,H WmlrK – – 1,533 – – 1,533 956,937fiajdjidk m%;s,dN ne|Sï – – – – 3,830,795 3,830,795 3,711,431ú,ïî; n¥ j;alï – – – – 582,463 582,463 507,063fjk;a j.lSï 2,750,829 875,249 794,715 779,046 247,437 5,447,277 5,350,244md,s; iud.ïj,g f.úhhq;= 750 – – – – 750 750m%ldYs; m%d.aOkh$mjrk ,o m%d.aOkh – – – – 9,400,000 9,400,000 6,700,000jHjia:dms; ixÑ; wruqo, – – – – 3,227,960 3,227,960 3,002,952r|jd.;a bmhSï – – – – 4,622,080 4,622,080 1,102,798fjk;a ixÑ; – – – – 26,482,625 26,482,625 28,289,941

2,751,579 875,249 796,248 779,046 48,393,360 53,595,482 49,622,116

uq¿ j.lSï 500,880,818 450,463,995 26,129,686 11,615,114 48,393,360 1,037,482,973 1,010,977,382

) jÜgï rys; uqo,a m%jdy u; mokïjQ .súiqï.; l,amsÍïys ftlHh ksfhdackh fõ'

iuQyh udi 03 olajd

re' Z000

udi 03 isg 12

olajd

re' Z000

jir 1 isg

3 olajd

re' Z000

jir 3 isg

5 olajd

re' Z000

jir 5 lg

jeä

re' Z000

2018'12'31

Èskg tl;=j

re' Z000

2017'12'31

Èskg tl;=j

re' Z000

l,a msÍfï .súiqï iys; j;alï

^fmd,S iys; j;alï&

uqo,a yd uqo,a iudkhka 13,528 – – – – 13,528 382,763nexl=j, we;s ;ekam;= 8,962,285 8,626,160 – – – 17,588,445 23,437,274,dN$w,dN u.ska yªkd.;a uQ,H j;alï

- idOdrK w.hg .Kkh l< 1,038,479 637,679 5,879,126 9,246,811 8,186,519 24,988,614 7,032,614l%uCIh msßjehg uQ,H j;alï

- Kh yd w;a;sldrï 24,869,651 76,328,059 116,389,323 75,402,639 130,567,447 423,557,119 374,416,626 - Kh yd fjk;a WmlrK 36,800,040 60,510,511 102,279,439 126,269,686 197,113,482 522,973,159 559,319,752fjk;a úia;S¾K wdodhï u.ska idOdrK

w.hg .Kkh l< uQ,H j;alï 169,290 577,167 574,676 2,566,972 149,939 4,038,045 3,072,981

71,853,273 146,679,576 225,122,564 213,486,108 336,017,387 993,158,910 967,662,011




54' l,aa msÍfï úYaf,AIKh îïnkaOhs&

iuQyh udi 03 olajd

re' Z000

udi 03 isg 12

olajd

re' Z000

jir 1 isg

3 olajd

re' Z000

jir 3 isg

5 olajd

re' Z000

jir 5 lg

jeä

re' Z000

2018'12'31

Èskg tl;=j

re' Z000

2017'12'31

Èskg tl;=j

re' Z000

fjk;a j;alï

^fmd,S rys; j;alï&

uqo,a yd uqo,aj,g iudkhka 3,423,401 – – – – 3,423,401 3,471,226uy nexl=j fj;e;s fYaIhka 177 – – – – 177 94jHq;amkak uQ,H WmlrK 4,740,106 – – – – 4,740,106 1,360,714,dN$w,dN u.ska yªkd.;a uQ,H j;alï

- idOdrK w.hg .Kkh l< 469,730 1,409,189 – – – 1,878,919 2,357,336fjk;a úia;S¾K wdodhï u.ska idOdrK

w.hg .Kkh l< uQ,H j;alï – – – – 3,750,515 3,750,515 4,440,951md,s; iud.ïj, wdfhdackh – – – – – – –foam," msßh; iy WmlrK – – – – 13,468,776 13,468,776 12,399,334ú,ïî; n¥ j;alï – – – – 73 73 –m%j¾;k n¥ j;alï – – – – – – –fjk;a j;alï 872,671 9,420,776 8,889,208 6,543,717 5,806,312 31,532,684 25,976,944

9,506,085 10,829,965 8,889,208 6,543,717 23,025,676 58,794,650 50,006,600

uq¿ j;alï 81,359,358 157,509,541 234,011,772 220,029,825 359,043,063 1,051,953,560 1,017,668,610

l,a msÍfï .súiqï iys; j.lSï

^fmd,S iys; j.lSï&

nexl=j,g f.úh hq;= 63,557,454 8,025,978 12,031,832 – – 83,615,264 49,352,574l%uCIh msßjeh u; uQ,H j.lSï

- ;ekam;alrejkag f.úhhq;= 425,141,386 396,295,352 13,301,606 4,836,068 – 839,574,411 737,212,640 - fjk;a Kh.ekSï i|yd f.úhhq;= 20,166,606 1,583,572 – – – 21,750,178 17,545,212

ksl=;a l< Kh iq/l=ïm;a – 46,389,133 – 6,000,000 – 52,389,133 162,709,027508,865,446 452,294,035 25,333,438 10,836,068 – 997,328,986 966,819,453

fjk;a j.lSï

^fmd,S rys; j.lSï&

jHq;amkak uQ,H WmlrK – – 1,533 – – 1,533 956,937fiajdjidk m%;s,dN ne|Sï – – – – 3,832,777 3,832,777 3,712,665m%j¾;k nÿ j.lSï – – – – – – 137,344ú,ïì; nÿ j.lSï – – – – 582,463 582,463 507,138fjk;a j.lSï 2,755,455 875,303 794,859 779,190 247,509 5,452,317 5,394,795md,s; iud.ïj,g f.úh hq;= – – – – – – –m%ldYs; m%d.aOkh$mjrk ,o m%d.aOkh – – – – 9,400,000 9,400,000 6,700,000jHjia:dms; ixÑ; wruqo, – – – – 3,227,960 3,227,960 3,002,952r|jd.;a bmhSï – – – – 5,198,451 5,198,451 1,679,540fjk;a ixÑ; – – – – 26,929,073 26,929,073 28,757,786

2,755,455 875,303 796,392 779,190 49,418,233 54,624,574 50,849,157

uq¿ j.lSï 511,620,901 453,169,338 26,129,830 11,615,258 49,418,233 1,051,953,560 1,017,668,610

) jÜgï rys; uqo,a m%jdy u; mokïjQ .súiqï.; l,amsÍïys ftlHh ksfhdackh fõ'




55 uQ,H WmlrKj, idOdrK w.h

55'1 idOdrK w.hg jd¾;d l< uQ,H WmlrK

.sKqïlrK m%;sm;a;s

;lafiare ;dlaIKsl l%u Wmfhda.S lr .ksñka idOdrK w.hg jd¾;d l< uQ,H WmlrK i|yd idOdrK w.h ;SrKh lrkq ,nk wdldrh ms<sn|j

úia;rhla my; olajd we;' fj<|m< iyNd.S;ajh orkafkl= úiska tu WmlrK wd.Kkh lsÍfï§ lrkq ,nk Wml,amk ms<sn|

nexl=fõ weia;fïka;=j tajdfha wka;¾.; fõ'

jHq;amkak

i. úksuh bÈß .súiqï ñ,§ .ekSu

fj<|m< ta yd iudk .súiqï i|yd wod< ks, ,ehsia;=.; ñ, .Kka Wmfhda.S lr .ksñka úksuh bÈß .súiqï ñ,§ .ekSï nexl=j úiska jákdlu

;lafiare lsÍug ,la lrhs'

ii. úfoaY úksuh yqjudre .súiqï (SWAPS)mj;sk úfoaY úksuh wkqmd;sl yd úfoaY úksuh bÈß wkqmd;sl wd§ úúO idOl we;=<;a lrñka ;lafiarelrK ;dËKsl l%u Wmfhda.S lr .ksñka

ord isák jHq;amkak ksuejqï ^úfoaY úksuh yqjudre .súiqï (SWAPS)$uqo,a m%jdy bÈß /l=ï& ;lafiare lr we;'

,dN$w,dN u.ska yªkd.;a uQ,H j;alï

i. rcfha NdKavd.dr ì,am;a yd ne÷ïlr

rcfha NdKavd.dr ì,am;a yd ne÷ïlr j,ska iukaú; ;lafiarelrK ;dËKsl l%u Wmfhda.S lr .ksñka fj<|du i|yd ord issák uQ,H j;alï

;lafiare lrkq ,nhs' ksÍlaIKh l< yels o;a; we;=<;a jÜgï l, uqo,a m%jdy ;lafiarelrK wdlD;s Ndú;fhka nexl=j úiska iq/l=ï ;lafiare

lrkq ,nhs' YS% ,xld uy nexl=j úiska m%ldYhg m;a l< fj<|fmd< o;a; iy w;rueÈhkaf.a m%ldYk" m%j¾;k fmd,S wkqmd;sl j,g wod<

Wml,amk fulS ksÍËK o;a; j,g wh;a fõ'

ii. ysñlï iq/l=ï

il%Sh fj<|fmd< ;=< tl yd iudk iq/l=ï i|yd we;s ks, ,ehsia;=.; l< w.hka fhdod .ksñkaa nexl=j úiska ysñlï iq/l=ï ;lafiare lrkq

,nhs'

fjk;a úia;S¾K wdodhï u.ska idOdrK w.hg .Kkh l< uQ,H j;alï

il%Sh fj<|fmd< ;=< tl yd iudk iq/l=ï i|yd we;s ks, ,ehsia;=.; l< w.hka fhdod .ksñkaa nexl=j úiska ks, ,ehsia;= .; l< ysñlï iq/l=ï

;lafiare lrkq ,nhs' ksÍËKh l< yels o;a; u; mokï jQ ;lafiaarelrK wdlD;shla fhdod .ksñka ks, ,ehsia;=.; fkdl< ysñlï iq/l=ï j,

idOdrK w.h .Kkh lr we;'

55'2 idOdrK w.h iy idOdrK w.fha OQrdj,sh kS¾Kh lsÍu

;lafiarelrk ;dËKsl l%u fhdod .ksñka uQ,H WmlrKj, idOdrK w.h ;SrKh lsÍug yd fy<sorõ lsÍug nexl=j úiska my; i|yka Oqrdj,ska

wkq.ukh lrhs'

1 uÜgu tl yd iudk j;alï fyda j.lSï i|yd il%Sh fj<|fmd< ;=< we;s ks, ,ehsia;=.; l< ^.e,mSï isÿ fkdl<& ñ,'

2 uÜgu jd¾;d lrk ,o idOdrK w.h u; ie,lsh hq;= n,meula we;s lrk ish¨ lreKq" iDcqju fyda jl%j ksÍËKh l< yels fjk;a

;dËKsl l%u'

3 uÜgu jd¾;d lrk ,o idOdrK w.h u; ie,lsh hq;= n,meula we;s lrk lreKq" ksÍËKh l< yels fj<|m< o;a; u; mokï fkdjQ

;dËKsl l%u'




55' uQ,H WmlrKj, idOdrK w.h îïnkaOhs&

55'2 idOdrK w.h iy idOdrK w.fha OQrdj,sh kS¾Kh lsÍu îïnkaOhs&

idOdrK w.fha Oqrdj,s uÜgñka idOdrK w.hg jd¾;d lr we;s uQ,H WmlrKj, úYaf,aIKhla my; j.=fjka fmkakqï lrhs'

nexl=j

2018 foieïn¾ 31 Èkg igyk uÜgu 1

re' Z000

uÜgu 2

re' Z000

uÜgu 3

re' Z000

tl;=j

re' Z000

j;alï

jHq;amkak uQ,H WmlrK

úksuh bÈß .súiqï ñ,§ .ekSu 19 – – – – úfoaY jHjydr uqo,a yqjudre .súiqï (SWAPS) 19 – 4,740,106 – 4,740,106


rcfha NdKavd.dr ì,am;a yd ne÷ïlr 20 14,801,463 – – 14,801,463 ysñlï iq/l=ïm;a 20 1,878,919 – – 1,878,919


uQ,H j;alï

ysñlï iq/l=ïm;a - ks, ,ehsia;=.; 23 3,447,888 – – 3,447,888 fjk;a wdfhdack - rdcH iq/l=ïm;a 23 2,433,915 – – 2,433,915 ysñlï iq/l=ïm;a - ks, ,ehsia;=.; fkdjk 23 – 245,136 – 245,136

tl;=j 22,562,185 4,985,243 – 27,547,427

j.lSï

jHq;amkak uQ,H WmlrK 32 – – 1,533 1,533

nexl=j


re' Z000

uÜgu 2

re' Z000

uÜgu 3

re' Z000

tl;=j

re' Z000

j;alï


úksuh bÈß .súiqï ñ,§ .ekSu 19 650 – – 650 úfoaY jHjydr uqo,a yqjudre .súiqï (SWAPS) 19 – – 1,360,064 1,360,064

,dN$w,dN u.ska y÷kd.;a uQ,H j;alï



uQ,H j;alï


tl;=j 11,602,413 506,890 1,360,064 13,469,367

j.lSï

jHq;amkak uQ,H WmlrK 32 – 956,937 – 956,937





55'2 idOdrK w.h iy idOdrK w.fha OQrdj,sh kS¾Kh lsÍu îïnkaOhs&

iuQyh


re' Z000

uÜgu 2

re' Z000

uÜgu 3

re' Z000

tl;=j

re' Z000

j;alï


úksuh bÈß .súiqï ñ,§ .ekSu 19 – – – – úfoaY jHjydr uqo,a yqjudre .súiqï (SWAPS) 19 – 4,740,106 – 4,740,106




uQ,H j;alï


tl;=j 34,352,465 4,985,243 – 39,337,709

j.lSï

jHq;amkak uQ,H WmlrK 32 – – 1,533 1,533

iuQyh


re' Z000

uÜgu 2

re' Z000

uÜgu 3

re' Z000

tl;=j

re' Z000

j;alï


úksuh bÈß .súiqï ñ,§ .ekSu 19 650 – – 650 úfoaY jHjydr uqo,a yqjudre .súiqï (SWAPS) 19 – – 1,360,064 1,360,064




uQ,H j;alï


tl;=j 16,339,150 506,890 1,360,064 18,206,105

j.lSï

jHq;amkak uQ,H WmlrK 32 – 956,937 – 956,937





55'3 idOdrK w.fha ñkqï Oqrdj,sfha tla tla uÜgï w;r ixp,k iei÷u

idOdrK w.fha ñkqï Oqrdj,sfha tla tla uÜgï w;r ixp,k j¾Ih ;=, jd¾;d fkdùh' jHq;amkak WmlrKj, idOdrK w.h .Kkh lsÍu msKsi

nexl=j iy iuQyh úiska idOdrK w.fha Oqrdj,sfhys 3 jk uÜgu Ndú;d lrkq ,nhs' tlS WmlrK ms<sn| úia;r msgq wxl 293 yd 319 ys igyka

wxl 19 iy 32 u.ska olajd we;'

55'4 uQ,H WmlrKj, idOdrK w.h

nexl=j

foieïn¾ 31 Èkg 2018 2017

igyk OdrK w.h

re' Z000

idOdrK w.h

re' Z000

OdrK w.h

re' Z000

idOdrK w.h

re' Z000

uq,H j;alï

uqo,a yd uqo,aj,g iudkhka 16 3,434,524 3,434,524 3,849,530 3,849,530 uy nexl=j fj;e;s fYaIhka 17 – – – – nexl=j, ;ekam;= 18 17,588,445 17,588,445 23,437,274 23,437,274 jHq;amkak uQ,H WmlrK 19 4,740,106 4,740,106 1,360,714 1,360,714

,dN$w,dN u.ska yªkd.;a uQ,H j;alï 20

- idOdrK w.hg .Kkh l< 16,680,382 16,680,382 6,472,314 6,472,314 - idOdrK w.hg kï l< – – – –


- Kh yd w;a;sldrï 21 423,532,145 423,532,145 375,703,730 375,703,730 - Kh yd fjk;a WmlrK 22 518,947,969 492,759,226 555,468,618 554,756,727


uQ,H j;alï 23 6,184,430 6,184,430 5,693,829 5,693,829

uQ,H j;alï tl;=j 991,108,001 964,919,258 971,986,009 971,274,119

uQ,H j.lSï

nexl=j,g f.úh hq;= 31 77,119,146 77,119,146 48,596,591 48,596,591 jHq;amkak uQ,H WmlrK 32 1,533 1,533 956,937 956,937 ,dN fyda w,dN u.ska y|qkd.;a uQ,H j.lSï 33 – – – –l%uCIh msßjeh u; uQ,H j.lSï 34

- ;ekam;alrejkag f.úhhq;= 839,574,411 838,307,567 737,212,640 735,574,071 - Kh iq/l=ïm;a ysñhkag f.úhhq;= – – – –- fjk;a Kh.ekSï i|yd f.úhhq;= 14,804,802 14,804,802 12,837,008 12,837,008 ksl=;a l< Kh iq/l=ïm;a 35 52,389,133 52,389,133 162,709,027 162,709,027

uQ,H j.lSï tl;=j 983,889,024 982,622,180 962,312,204 960,673,635





55'4 uQ,H WmlrKj, idOdrK w.h îïnkaOhs&

iuQyh

foieïn¾ 31 Èkg 2018 2017

igyk OdrK w.h

re' Z000

idOdrK w.h

re' Z000

OdrK w.h

re' Z000

idOdrK w.h

re' Z000

uq,H j;alï

uqo,a yd uqo,aj,g iudkhka 16 3,436,929 3,436,929 3,853,989 3,853,989 uy nexl=j fj;e;s fYaIhka 17 177 177 94 94 nexl=j, ;ekam;= 18 17,588,445 17,588,445 23,437,274 23,437,274 jHq;amkak uQ,H WmlrK 19 4,740,106 4,740,106 1,360,714 1,360,714

,dN$w,dN u.ska y`ÿkd.;a uQ,H j;alï 20

- idOdrK w.hg .Kkh l< 26,867,533 26,867,533 9,389,950 9,389,950 - idOdrK w.hg kï l< – – – –


- Kh yd w;a;sldrï 21 423,557,119 423,557,119 374,416,626 374,416,626 - Kh yd fjk;a WmlrK 22 522,973,159 496,656,654 559,319,752 558,686,437


uQ,H j;alï 23 7,788,560 7,788,560 7,513,932 7,513,932

uQ,H j;alï tl;=j 1,006,952,028 980,635,523 979,292,331 978,659,017

uQ,H j.lSï

nexl=j,g f.úh hq;= 31 83,615,264 83,615,264 49,352,574 49,352,574 jHq;amkak uQ,H WmlrK 32 1,533 1,533 956,937 956,937 ,dN fyda w,dN u.ska y`ÿkd.;a uQ,H j.lSï 33 – – – – l%uCIh msßjeh u; uQ,H j.lSï 34

- ;ekam;alrejkag f.úhhq;= 839,574,411 838,307,567 737,212,640 735,574,071 - Kh iq/l=ïm;a ysñhkag f.úhhq;= – – – – - fjk;a Kh.ekSï i|yd f.úhhq;= 21,750,178 21,750,178 17,545,212 17,545,212 ksl=;a l< Kh iq/l=ïm;a 35 52,389,133 52,389,133 162,709,027 162,709,027

uQ,H j.lSï tl;=j 997,330,518 996,063,674 967,776,390 966,137,822

55'5 idOdrK w.hg kS¾Kh lsÍu

idOdrK w.hg mj;ajd fkd.;a uQ,H j;alï yd j.lSïj, idOdrK w.h

uQ,H m%ldYkj, idOdrK w.h jd¾;d fkdl< uQ,H WmlrK i|yd idOdrK w.hka ;SrKh lsÍu msKsi Wmfhda.S lr .;a l%ufõo iy Wml,amk

ms<sn| úia;rhla my; olajd we;'

idOdrK w.hg wdikak OdrK w.h we;s j;alï

fláld,sk l,amsÍï iys; uQ,H j;alï yd uQ,H j.lSï ^jirlg wvq wdrïNl l,amsÍula iys;& i|yd wod< OdrK w.h tajdfha idOdrK w.hg

wdikak nj Wml,amkh lr we;' ksYaÑ; l,amsÍula fkdue;s b;sßlsÍfï ;ekam;= i|ydo fuu Wml,amkh wod< fõ'

jßka jr f.jkq ,nk fmd,S iys; .kqfokqlrejkaf.ka ,nd .kakd È.=ld,Sk ;ekam;= iy úp,H wkqmd;sl hgf;a .kqfokqlrejkag msßkuk Kh

yd w;a;sldrïo idOdrK w.hg mj;ajdf.k hdu i|yd i,ld n,kq ,nhs'





55'5 idOdrK w.hg kS¾Kh lsÍu îïnkaOhs&

ia:djr wkqmd; uQ,H WmlrK

fláld,sk Kh myiqlï i|yd idOdrK w.hka f,i OdrK w.hka i,lkq ,nhs' l,amsÍu f;la ord isák iq/l=ïj, idOdrK w.h we.hSSfïÈ YS%

,xld uy nexl=j úiska m%ldYs;" Bg iudk .kqfokq l<yels iq/l=ï fjkqfjka fhdod.;a wkqmd;sl Ndú;d lrk ,È' iudf,daÑ; j¾Ifhys isõjk

ld¾;=j ;=< kj Kh m%odkh lrkq ,enQ fj<|fmd< wkqmd;sl fhdod .ksñka ia:djr fmd,S wkqmd;sl iys; Kh yd ,eìhq;= oE idOdrK w.h

w.hk ,§' l,amsÍfï§ fmd,S f.jkq ,nk iy tla jirlg jvd jeä uq,a ld,iSSudjla iys; ia:djr ;ekam;=j,g iudf,daÑ; j¾Ifhys isõjk

ld¾;=j ;=< .kqfokqlrejkag ,ndÿka oekg mj;sk fj<|fmd< wkqmd;sl wkqj jÜgï ,nd fok ,§'

uQ,H j;alïj, ks, ,ehsia;=.; fkdl< ysñlï fldgia

idOdrK w.h úYajikSh f,i weia;fïka;= l< fkdyels neúka fjk;a ùia;S¾K wdodhï yryd idOdrK w.hg .Kkh lrk ,o uQ,H j;alïj,

ks, ,ehsia;=.; fkdl< ysñlï ish,a, ^m%dfoaYSh ixj¾Ok nexl=j yer& msßjehg jd¾;d lrkq ,nhs' fulS wdfhdack i|yd il%Sh fj<|m<la

fkdue;s w;r iuQyh úiska th §¾>ld,Skj r|jd .ekSug wfmaCId lrhs' ksÍCIK l< yels o;a; u; mokïj ;lafiarelrK wdlD;shla Wmfhda.S

lr .ksñka m%dfoaYSh ixj¾Ok nexl= fldgiaj, wdfhdack idOdrK w.hg .Kkh lr we;' msgq wxl 309 ys olajd we;s igyka wxl 23 ^B& fj;

fhduq jkak'

56 m%d.aOk l<ukdlrKh ^kshduk jd¾;dlrKh wkqj&

wruqK

nexl=fõ wjodkï reÑl;ajh yd wkq.dójk mßÈ ilia l< Wmdh ud¾.sl wruqKq bgq lr.ekSug m%udKj;a m%d.aOk wdjrK r|jd .ekSu;a kshduk

wjYH;dj,g iß,k mßÈ m%d.aOkh l<ukdlrKh lsÍu;a nexl=jg wjYH fõ'

kshduk m%d.aOkh

Y%S ,xld uy nexl=j úiska tldnoaO yd flaj, moku u; kshduk wjYH;d mekùu o wëCIKh lsÍuo isÿ lrkq ,nhs' ndi,a III ud¾f.damfoaY

wj,x.= lsÍfuka wk;=rej 2017'07'01 Èk isg n, meje;afjk mßÈ kshduk m%d.aOkh yd lsishï wu;r wjodkï wdjrKh msKsi ndi,a III kshdukj, m%;smdok yd nexl=j wkql+, úh hq;=h' 2017 ueo Nd.fha isg wrUd 2019 jk úg úiu moku hgf;a l%shd;aul lsÍug kshñ; ndi,a III m%d.aOk kshduk" ndi,a II hgf;a y÷kajd ÿka Wmia:ïNk ;%s;ajh u; tkï" wju m%d.aOk wjYH;dj" wëCIK iudf,dapk l%shdj,sh iy fj<|fmd<

úkhdkql+,nj hk ia:ïN u; mokïj wLKavj l%shd;aul jkq we;'

nexl=j úiska wjodku iïnkaOfhka m%udKlrK m%fõYh o fj<|fmd< wjodku iïnkaOfhka m%udKlrK ñkqï m%fõYh o fufyhqï Kh

wjodku iïnkaOfhka uQ,sl o¾Yl m%fõYh o oekg Ndú; lrkq ,nhs' fmdÿ ysñlï m%d.aOkh m%;sks¾jpkh lsÍu ;=<ska iy m%d.aOk ixrCIK

wjfrdaOlh iy foaYSh l%ñl jeo.;a nexl= u; m%d.aOk wêNdr wd§ kj m%d.aOk wjfrdaOl y÷kajd§u ;=<ska m%d.aOkfhys m%udKd;aul nj yd

.=Kd;aul nj úfYaIfhkau yr m%d.aOkh jraOkh lsÍu i|yd ndi,a III u.ska wdjOdrKh flfrhs' Y%S ,xld uy nexl= ndi,a III kshdukh wkqj

2019 jk úg ish,qu foaYSh l%ñl jeo.;a nexl= 14] l wju iuia; m%d.aOk wkqmd;hla mj;ajf.k hdu wjYH fjhs'

kshduk m%d.aOkh" ia:dr I m%d.aOkh iy ia:r II m%d.aOkh hk oaú;ajfhka iukaú; fõ' Y%S ,xld uy nexl=j úiska mkjk ,o wju m%d.aOk

wjYH;dj,g nexl=j yd iuQy ieu úgu wkql+, ù we;'

kshduk m%d.aOk wkqmd;h

nexl=j iuQyh


ndi,a III2017

ndi,a III2018

ndi,a III2017

ndi,a III

fmdÿ ysñlï ia:r I m%d.aOk wkqmd;h ^wju wjYH;dj 2018 - 7'375]"

2017 - 6'25]& 13.325 11.931 14.140 12.651

ia:r I m%d.aOk wkqmd;h ^wju wjYH;dj - 2018 - 8'875]" 2017 - 7'75]& 13.325 11.931 14.140 12.651

iuia: m%d.aOk wkqmd;h ^wju wjYH;dj - 2018-12'875]" 2017 - 11'75]& 16.138 15.311 16.882 15.996

381



w;sf¾l f;dr;=re

382 386 387ksuejqï yd

fiajdjka

wdodhï m%ldYh – weußldkq fvd,¾ j,ska

úia;S¾K – wdodhï m%ldYh


388 389 402uQ,H ;;a;ajh

ms<sn| m%ldYh – weußldkq fvd,¾ j,ska

2016 wxl 01 ork nexl=

mkf;a ksfhda.fhys

III Wmf,aLk m%ldr

ndi,a III fy<sorõ lsÍï

Y%S ,xld uy nexl=j

úiska kshu lrk ,o

wfkl=;a fy<sorõ lsÍfï

wjYH;djhka

409 411 412ixLHdf,aLkd;aul

o¾Ylhka 2009-2018

;ekam;= úYaf,aIKh wkqrEm nexl=

413 415 416úfoaY úksuh

yqjudre iud.ï

hqfrdachsfrda

idudðl;ajh

uQ,H iy nexl=lrKhg

wod< mdßNdIs;

jpk ud,dj


382



ksuejqï yd fiajdjka

b;sßlsÍfï ksuejqï

idudkH b;sßlsÍfï .sKqu

jhi wjqreÿ 7g jeä ´kEu mqoa.,fhl=g re' 100$- l wju uQ,sl

;ekam;=jlska idudkH b;sßlsÍfï .sKqula werôh yelsh' .sKqï

ysñhka yg ´kEu cd;sl b;sßlsÍfï nexl= YdLdjlska fyda flá

mKsúv nexl=lrKh fyda wka;¾cd, nexl=lrKh yryd uqo,a

;ekam;a lsÍu yd wdmiq .ekSfï myiqlu we;'

—ymka˜ <ud b;sßlsÍfï .sKqu

jhi wjqreÿ 8 ;a 12 ;a w;r <uqka i|yd yd jhi wjqreÿ 1 ;a 7 ;a w;r

isÕs;a;ka i|yd ie,iqï lrk ,o <ud b;sßlsÍfï .sKqï foj¾.hls'

—ymka˜ .sKqu yd —mqxÑ ymka˜ .sKqu fuu .sKqï foj¾.h Wfoidu

idudkH b;sßlsÍfï .sKqulg ysñjk fmd,Shg jvd 1] l fmd,S

wkqmd;slhla ysñfõ'

—ksfhda˜ b;sßlsÍfï .sKqu

—ksfhda˜ b;sßlsÍfï .sKqu" jhi wjqreÿ 13 ;a 19 ;a w;r kj fh!jk

fh!jkshka i|yd úfYaIfhkau ie,iqï lrk ,o .sKquls' idudkH

—ksfhda˜ b;sßlsÍfï .sKqï i|yd 4'5] l fmd,S wkqmd;slhla ysñjk

w;r wka;¾cd,h yryd muKla l%shd;aul .sKqï i|yd 1]l w;sf¾l

fmd,S wkqmd;slhla ysñfõ' fuu .sKqï ysñhka i|yd Èklg Wmßu

re' 200"000 l uqo,a wdmiq .ekSfï iSudjla iys; cd;Hka;r Kh

ldâm;a ysñfõ' ;jo" Kh ldâm;a Ndú;d lr NdKav ñ,§ .ekSfï§"

f;dard.;a fjf<÷ka úiska ,ndfok úfYaIs; jágï N=la;s ú`§fï

wjia:djla o fuu .sKqï ysñhkag ,efí' ksfhda .sKqï ysñhka úYaj

úoHd, m%fõYh ysñùu u; YsIH;aj i|yd iq¥iqlï ,nhs'

I’M b;sßlsÍfï .sKqu

fhdjqka mrmqr b;sßlsÍug Èßu;a lsÍu i|yd bÈßm;a lr we;s

.sKqula jk fuu .sKqu u`.ska jhi wjqreÿ 19 ;a 30 ;a w;r fh!jk

fh!jkshka yg idudkH b;sßlsÍfï .sKqïj,g ysñ fmd,shg jvd 0'5]

l jeämqr fmd,Shla ysñfõ' I’M .sKqï ysñhkag jhi wjqreÿ 35 jkf;la

fuu .sKqu Tiafia by, fmd,S wkqmd;hla N=la;s ú|sh yelsh' ;jo"

21 fjks Wmka Èk ;Hd.h" m<uq ore Wm;a ;Hd.h iy úYaj úoHd,

m%fõYh u; YsIH;aj jeks m%;s,dN fuu .sKqï ysñhka yg N=la;s

ú|Sfï wjia:dj we;'

—ia;%S˜ b;sßlsÍfï .sKqu

jhi wjqreÿ 16 ka by< iudcfha úúO N+ñldjka ksrEmkh lrk

ldka;djkag ish Ôú;fha úúO ch.%yKhka ieuÍu i|yd fukau

hym;a fyg Èkla Wfoid Tjqkaf.a j.lSï bgq lsÍu i|yd w;aje,la

iemhSu wruqKq lrf.k jeä jrm%ido fmroeßj —ia;%S˜ b;sßlsÍfï .sKqu

ie,iqï lr we;' fuu .sKqï ysñhkayg nexl=fjka 1] fmd,S wkqmd;sl

wvqùula hgf;a rka iyk Kh ,nd.ekSfï yelshdj we;' tfukau fï

jk úg fuu iykh Èßh ia;%S Kh f,i y÷kajkq ,nk w;r" fuu

iykh ;jÿrg;a mq¿,a lrñka bflda$fm!oa.,sl$nqoaê Kh i|yd o

msßkukq ,nhs'

—tkatiaî fmkaIka ma,ia˜ .sKqu

—tkatiaî fmkaIka ma,ia˜ jQ l,S tljr uqo,la wdfhdackh lsÍfuka fyda

ksYaÑ; ld,iSudjla uq¿,af,a f;dard.;a w.hla wdfhdackh lsÍu u`.ska

mj;ajd.; yels odhl;aj úY%du jegqma l%uhls' re' 100"000$- l wju

fYaIhla iys; .sKqïysñhkag fï Tiafia jhi wjqreÿ 55 § úY%du jegqma

m%;s,dN N=la;s ú`§fï wjia:dj Wodfõ'

—yemS˜ b;sßlsÍfï .sKqu

—yemS˜ b;sßlsÍfï .sKqula ysñ Tng jeäfhka b;sßlrñka 6'25] l

Wmßuh olajd jQ by< fmd,S wkqmd;sl ,nd.; yels jk w;r uqo,a

wdmiq .ekSfï§ lsis`ÿ iSudjla fkdmekfõ' re' 1"000$- l wju wdrïNl

;ekam;=jlska jhi wjqreÿ 16g jeä ´kEu mqoa.,fhl=g fuu .sKqu

wdrïN l< yelsh'

—iauhs,a˜ b;sßlsÍfï .sKqu

jhi wjqreÿ 16 g jeä ´kEu mqoa.,fhl=g ;ks mqoa., .sKqï jYfhka

fyda noaO .sKqula f,i fuu .sKqï újD; lr mj;ajdf.k hd

yelsh' re' 100$- l wju ;ekam;=jlska wdrïN l< yels fuu .sKqfï

uqo,a ;ekam;a lsÍu yd wdmiq .ekSu Èjhsk mqrd msysá ´kEu cd;sl

b;sßlsÍfï nexl= YdLdjlska fyda ;eme,a ld¾hd,hlska$Wm ;eme,a

ld¾hd,hlska isÿl< yelsh'

—mia wjqreÿ˜ b;sßlsÍfï .sKqu

fuh §¾>ld,Sk b;=reï ie,iqï m%sh lrk ´kEu jhia ldKavhl

.kqfokqlrejka i|yd újD;" by< fmd,S wkqmd;sl /.;a cd;sl

b;sßlsÍfï nexl= b;=reï .sKqï l%uhls' re' 100$-" re' 200$-" re' 300$-"

re' 400$-" re' 500$-" fyda re' 1"000$-" fyda .=Kdldrj,ska újD; lr

udi 60 la mqrdjg udislj tu uqo,a m%udKh ;ekam;a lrñka .sKqu

fufyhúh hq;= fõ' fuu ;ekam;= uqo, wod< udih ;=< Tng myiq

´kEu Èkhl§ .sKqfuys ;ekam;a l< yelsh'

—ßhe,sá˜ b;sßlsÍfï ie,iqu

fuh Y%S ,dxlsl ixl%uKsl m%cdj fjkqfjka úfYaIfhkau ie,iqï lrk

,o b;sßlsÍfï ie,iquls' fuh ;ks mqoa.," noaO fyda nd,jhialdr

b;sßlsÍfï .sKqula f,i újD; l< yels w;r" Y%S ,xld remsh,a j,ska

muKla mj;ajdf.k hd hq;=hs' ie,iqu l,amsÍfï ld,iSudj wjqre¥ 2"

3" 4 fyda 5 úh yels w;r" l,amsÍfï jákdlï wju re' 500"000'00 fyda

re' 500"000'00 .=Kdldr f,i úh yel' .sKqï ysñhkag re' 1"000"000'00

olajd rCIK wdjrK m%;s,dN iy iyk fldkafoais iys; mqoa.,sl Kh

N=la;s ú|sh yel'

ld,Sk ;ekam;=

ksYaÑ; ld,iSudjla ;=< ksYaÑ; fmd,S wkqmd;sl hgf;a fmd,S

Wmhd.; yels ld,Sk ;ekam;= mj;ajdf.k hdfï wjia:dj nexl=j

fj;ska ysñjk w;r" l,amsÍug m%:u wjYH wjia:dj, § wod< fmd,S

wkqmd;sl hgf;a ia:djr ;ekam;= uqo,a wdmiq ,nd .ekSfï yelshdj o

;sfí' fuu ;ekam;= ff;%udisl isg mia wjqreÿ f;la ld,iSud hgf;a

wdh;ksl" úúO iñ;s iud.ï fcHIaG mqrjeis yd <ud hk ldKav

fjkqfjka wdrïN l< yelsh'

GRI 102-2


383



tkatiaî ia:djr ;ekam;=

jhi wjqre¥ 16 g jeä ´kEu mqoa.,fhl=g ;ks mqoa.,$noaO .sKqï

jYfka cd;sl b;sßlsÍfï nexl=fõ ia:djr ;ekam;= .sKqï újD; l<

yels w;r" foudmshkag iy Ndrlrejka yg jhi wjqreÿ 16 g jvd wvq

orejka fjkqfjka .sKqï újD; lr mj;ajdf.k hd yelsh' udi 12 l

ld,iSudjla i|yd wod< ia:djr ;ekam;=jl wju wdrïNl fYaIh

re' 1"000$- ls' udisl fmd,shla Wmhd .ekSu i|yd wjYH wju

;ekam;=j re' 25"000$- ls' Bg wu;rj udi 3" 6" 12" 24" 36 fyda 60 i|yd

ia:djr ;ekam;= wdrïN l< yelsh' tfukau Tng ia:djr ;ekam;=

fYaIh u; Kh myiqlï ,nd.ekSfï yelshdj o we;'

—m%d¾:kd˜ <ud b;=reï iy;slm;a

fuh orejka fjkqfjka fjkajqKq" iy;sl m;%h ñ,§ .kakd Èkfhau

fmd,S ysñjk" wdl¾IKSh fmd,S wkqmd;sl iys; È.=ld,Sk ;ekam;=

l%uhls' orejdf.a jhi wjqreÿ 16 § m%d¾:kd iy;sl m;%h l,amsf¾'

f.!rj ia:djr ;ekam;=

wjqreÿ 55 g jeä ´kEu fcHIaG mqrjeisfhl= yg f.!rj ia:djr

;ekam;= .sKqula wdrïN l< yels w;r" tu`.ska nexl=fõ idudkH

ia:djr ;ekam;=j,g jvd 0'5] l jeämqr fmd,shla Tjqkg ysñ fõ'

fcHIaG mqrjeisfhl=yg re' 25"000$- l wju ;ekam;=jlska f.!rj

ia:djr ;ekam;=jla wdrïN l< yels w;r" Wmßu ;ekam;= iSudj

re' ñ,shk 20 ls'

fcHIaG mqrjeis úfYaI ia:djr .sKqu

fuh jhi wjqreÿ 60 blaujQ fcHIaG mqrjeishka i|yd kshñ; ia:djr

;ekam;= .sKqula jk w;r" ;ekam;a l<yels Wmßu uqo,a m%udKh

remsh,a ñ,shk 1'5 jk w;r" ;ekam;= ysñfhl=yg .sKqu l,amsÍfï§

15] l fmd,S wkqmd;slhla hgf;a fmd,S ysñfõ'

úfoaY uqo,a ksuejqï

úfoaY uqo,a b;sßlsÍfï .sKqï$ld,Sk ;ekam;=

nexl=j u.ska fkajdisl iy wfkajdisl Y%S ,dxlslhska Wfoid úfoaY uqo,a

b;sßlsÍfï ;ekam;= fyda ld,Sk ;ekam;= mj;ajdf.k hdfï myiqlï

i,ikq ,nhs' úfoaYhl /lshdjl kshq;= ´kEu Y%S ,dxlslfhl=g mqoa.,sl

úfoaY uqo,a .sKqula ^wfkajdisl& újD; l< yels w;r" úfoaY uqo,a

w;e;s fyda úfoaY uqo,a fm%aIK ,nk ´kEu fkajdisl mqrjeisfhl= yg

mqoa.,sl úfoaY uqo,a .sKqula ^fkajdisl& újD; l< yels fõ' tfukau"

úfoaYSh cd;slhka yg" úfoaYhkays jdih lrk Y%S ,dxlsl mqrjeishka

yg" Y%S ,dxlsl iïNjhla iys; úfoaYhkays jdih lrk Y%S ,dxlsl

fkdjk mqoa.,hka yg" Y%S ,xldfjka msg; ixia:dms; wdh;k yg iy

úfoaYSh ixia:dhsl wdfhdaclhka yg" úfYaI wduqL wdfhdack .sKqï

újD; l< yelsh'

mdßfNda.sl Kh ksuejqï

ksjdi yd foam< Kh

kj ksjdihla ñ,§ .ekSu" ksjdi w¨;ajeähdj" ksjdi bÈlsÍu fyda

kj ksjila bÈlsÍfï mrud¾:fhka bvula ñ,§ .ekSug fyda fjk;a

ms<s.;a uQ,H wdh;khlska .;a ksjdi Khla mshùu hkd§ wruqKq i|yd

cd;sl b;sßlsÍfï nexl=fjka Kh ,nd.; yelsh' úúO .kqfokqldr

ldKavj,g ,nd.; yels ksjdi Kh ksuejqï my; mßos fõ'

f.a fodr

w,xldr

úlis;

rdcH fiajlhka i|yd ksjdi Kh

mqoa.,sl Kh

mdßfNda.sl NdKav" fi!LH fiajd" úfoaY ixpdr" iq¾h fldaI yd

wOHdmk lghq;= Wfoid mqoa.,sl Kh myiqlï nexl=j fj;ska

.kqfokqlrejkag ie,fihs' fuys§ ia:djr foam< wem jYfhka i,ld

fyda Ôú;drCIKdjrKhg hg;a .kqfokqlref.a Ôú; rCIK jákdlu

fyda .kqfokqlreg wh;a rdcH iq/l=ïm;a iq/l=ï f,i i,ld lghq;=

lrkq ,nhs' ;jo fuu Kh uqo,a mqoa., wem u; o msßkukq ,nhs'

mqoa., Kh uqof,ys m%udKh yd wdmiq f.úhhq;= jk ld,iSudj iq/l=u

yd Khlre u; ;SrKh fjhs' úúO mqoa.,sl Kh j¾. my; mßÈ fõ'

idudkH mqoa.,sl Kh

nqoaê Kh

úfYaI úY%dñl Kh

pdßld Kh

bflda Kh

fid÷re mshi Kh

tkatiaî Tfgda f,daka

,shdmÈxÑ fkdl< kj jdyk i|yd .eKqï ñf,ka 75] la wdjrKh jk

mßÈ iy ,shdmÈxÑ l< jdyk i|yd ñf,ka 60] la olajd Tfgda f,daka

jdyk Kh ,nd.; yelsh' oekg ,ndf.k we;s Kh uqo,la mshùu

i|yd o fï hgf;a Kh ,nd.; yels w;r" Kh wh÷ïm; bosßm;a lr

osk fol ;=kla we;=<; Kh uqo, ,nd.; yelsh'

;ekam;= u; Kh – läkï Kh

.sKqïysñhkag Tjqkaf.a ;ekam;=j,g tfrysj fuu Kh uqo,a ,nd.;

yel' nexl=j úiska .Kkqfokqlrejkaf.a ;ekam;= iq/l=ï jYfhka

r|jdf.k tu ;ekam;= j,sska 90] la olajd Kh uqo,a ,ndfokq ,nhs'


384



tkatiaî bfldaa f,daka

fuu Kh iQ¾h úÿ,s n, W;amdok WmlrK iúlsÍu i|yd we,aula

olajk md¾Yjhkag myiqlï iemhSu i|yd ks¾udKh lr we;'

fuu`.ska Tjqkag tlu wjia:dfõ úÿ,s ì, b;sß lr.; yels w;ru"

mßir ys;ldóo úh yel'

—tkag¾m%hsia Y%S ,xld˜ Kh fhdackd l%uh

Y%S ,xld rch úiska y÷kajdfokq ,enQ —tkag¾m%hsia Y%S ,xld˜ jevigyk

hgf;a nexl=j u`.ska my; oelafjk Kh fhdackd l%u m%odkh lrkq

,efí'

rka wiajekak - l=vd mßudK f.dùka yd f.dú ixúOdk" úis;=re u,a

j.dlrejka" u;aiH j.dfõ kshef,k jHdmdßlhka yg m%odkh lrkq

,efí' Kh myiqlu re' 5"000"000'00 olajd ,nd.; yel'

f.dú kfjdaod – fuu Kh myiqlu l=vd mßudK f.dùka yd f.dú

ixúOdk i|yd lDIsld¾ñl WmlrK ñ,§ .ekSu fjkqfjka m%odkh

lrkq ,efí' re' 500"000'00 olajd ,nd.; yel'

yß; Kh – fï hgf;a re' 5"000"000'00 l Wmßu Kh uqo,la m%odkh

l< yel' fuu Kh myiqlu" Y%S ,xld ixpdrl ixj¾Ok wêldßh

hgf;a ,shdmÈxÑ ù we;s ixpdrl fiajd imhk l=vd mßudK fydag,a

ysñlrejka fj; m%odkh lrkq ,nhs'

ch biqr – fuu Kh myiqlu lDIsld¾ñl" ëjr" úis;=re u,a j.dj"

f.j;= j.dj" uqøKh" ixpdrl" w;alï iy f;dr;=re ;dlaIKh hk

lafIa;%j, kshq;= uOH mßudK jHjidhlhka yg ,nd.; yel' fï

hgf;a ,nd.; yels Wmßu Kh uqo, iud.fï m%udKh iy jd¾Isl

msßjegqu u; fjkia fõ'

wdh;ksl Kh

n,Yla;sh" úÿ,s ixfoaY fiajd" fi!LH" uyd ud¾. yd jdßud¾. jHdmD;s

jeks fjk;a ixj¾Ok jHdmD;s yd È.=ld,Sk há;, myiqlï fjkqfjka

wdh;ksl Kh ,nd§fuys o nexl=j ksr;j isáhs' nexl= yd uQ,H wdh;k

fj; ,ndfok iDcq Kh" rchg wh;a wdh;k fyda fm!oa.,sl wdh;k

fj; ,ndfok taldnoaO Kh fyda rchg wh;a wdh;k fj; ,ndfok

iDcq Kh fï hg;g .efka'

ldâm;a wdY%s; fiajd

fIdmska + ATM ldâm;

.kqfokqlrejkaf.a b;sßlsÍfï .sKqïj,g iïnkaOj nexl=j úiska

ksl=;a lrkq ,nk —fIdmska + ATM ldâm;˜ yryd iajhxl%Sh fg,¾

hka;% u`.ska myiqfjka uqo,a ,nd.ekSug;a wjYH ñ,§ .ekSï isÿ

lsÍug;a yels fõ'

tkatiaî Bis ldâm;

udiag¾ myiqlï iys; Bis ldâm;a u`.ska ia:djr ;ekam;=j u;

80] la olajd Kh uqo,a ,nd.; yelsh' óg wu;rj tkatiaî Bis

ldâm;la Ndú;fhka udiag¾ ldâ ixfla; kduh iys; ´kEu nexl=jl ATM hka;%hla u`.ska fyda ish¿u tkatiaî ATM hka;% u`.ska uqo,a

wdmiq ,nd.ekSfï myiqj ysñfõ'

fjk;a fiajd

fj<| uQ,Hkh fiajd

mdßfNda.sl fj<| wxYh b,lal lr .ksñka nexl=j úiska wdkhk

uQ,H .kqfokq i|yd fiajd imhhs' fuys§ jdyk wdkhk wxYh m%Odk

fõ' Khjr ,sms ksl=;a lsÍu" Khjr ,sms u; wdkhk ì,am;a yeisrùu"

.=jka yd kdúl m%jdykfha§ wem ksl=;a lsÍu" bÈß úksuh fjka lsÍï

yd ì,am;a /ialsÍu hkd§ fiajdjka fj<| uQ,H myiqlu hgf;a iEu

YdLdjlau imhkq ,nhs'

NdKavd.dr fiajd

fï hg;g uQ,H fj<|fmd< lghq;=" rdcH iq/l=ïm;aj, .kqfokq lsÍï

iy jHq;amkak .kqfokq wh;a fõ'

tkatiaî hQ g%iaÜ

tkatiaî hQ g%iaÜ hkq nexl=fõ úfoaY uqo,a fm%aIK fiajdj fõ'

fuu`.ska úfoaY /lshdjkays kshq;= Y%S ,dxlslhkag ish mjq,aj,g

myiqfjka uqo,a fm%aIKh lsÍu isÿ l< yelsh' cd;sl b;sßlsÍfï

nexl=fõ .sKqulg fyda fjk;a ´kEu .sKqulg fuu`.ska uqo,a fm%aIKh

l<yel' tfiau m%;s,dNshdg ´kEu cd;sl b;sßlsÍfï nexl= YdLdjlska

fyda m%Odk ;eme,a ld¾hd,hlska ish uqo,a ,nd.; yel'

úfoaY uqo,a yqjudrej

úfoaY uqo,a yqjudre lsÍu i|yd Y%S ,xld uy nexl=fjka ,o wkque;sh

u; cd;sl b;sßlsÍfï nexl=j úiska ,ndfok fuu fiajdj hgf;a úfoaY

uqo,a w;e;s .kqfokqlrejka yg tu uqo,a foaYSh uqo,a njg mßj¾;kh

lr .ekSug;a" úfoaY ixpdrhkays kshq;= .kqfokqlrejka yg úfoaYSh

uqo,a fkdaÜgq ;rÕldÍ ñ, .Kka hgf;a f;dard.;a cd;sl b;sßlsÍfï

nexl= YdLdj,§ ñ,g .;yels fõ'

tkatiaî ÍÉ

.kqfokqlrejkag nexl=j fj; fkdf.dia fmdia (POS) hka;%h u`.ska

ish uqo,a ;ekam;a l<yels myiqlu tkatiaî ÍÉ (NSB Reach) iuÕ

y÷kajd § we;' nexl=lrK fiajd ,nd fkd.kakd msßia fndfyduhlg

nexl=lrKfha kshe,Sfï ysßyer fkdú| Tjqka /|S isák ia:dkfha isgu

b;sßlsÍfï yelshdj tkatiaî ÍÉ u.ska ,ndfohs' —Tfí ,smskh wfma

,smskhhs˜ hkak f;aud lr.;a fuh nexl=lrKfha kj;u uqyqKqjrhs'


385



tkatiaî —whs fiaj¾˜

fudìfg,a fiajd ia:dk yryd ojfia ´kEu fõ,djloS wm nexl=fõ

.kqfokqldr fiajd myiqlï iemhSfï äcsg,a kjHlrK fuj,uls'

tkatiaî —whs fiaj¾˜ bÈß wdfhdack i|yd wruqo,a iemhSu;a Ok

W;amdokhg;a u. mdoñka Y%S ,xld ck;dj w;r" ;jÿrg;a b;sßlsÍfï

mqreoao ia:dms; lr .ekSu fuu fiajdj u`.ska wfmaCIs;h'

Èjhsk mqrd msysá tï lEIa mdßfNda.sl fiajd ia:dk w;ßka Tng

wdikak;u fiajd ia:dkfha isg —tkatiaî whs fiaj¾˜ fiajdj

Ndú;h ;=<ska ´keu ia:dkhl isg ´kEu fõ,djl § Tng Tnf.a

cd;sl b;sßlsÍfï nexl=fõ b;sßlsÍfï .sKqug uqo,a ;ekam;a lsÍfï

wjia:dj ñka t<efò'

fuu fiajdfõ m%;s,dN my; oelafõ'

.kqfokq l< yels §¾> ld,iSudj

i;s wka; iy ksjdvq oskj,o .kqfokq lsÍfï myiqj

ndOl rys; .kqfokqldr myiqlï

wvq msßjeh u; ;ekam;= ixp,kh

tiekska uqo,a .sKqug nerùu

fï hgf;a uqo,a ;ekam;a lrkq ,nk f;jk md¾Yajfhka fyda

b;=reï .sKqï ysñhka fj;ska .dia;=jla wh lrkq fkd,efí'

wemùï

nexl=j úiska ish .kqfokqlrejka fjkqfjka wem myiqlï i,ikq ,nhs'

fï hgf;a nexl=j úiska .kqfokqlrejkaf.a mqoa.,sl j.lSu fjkqfjka

;ekam;=fjys w.h olajd fldkafoais rys;j wem fjkq ,nhs' fï hgf;a

.kqfokqlref.a b,a,Su wkqj my; j¾.j, wem myiqlï imhkq ,nhs'

ld¾h bgqlsÍu ms<sn| ne÷ïlr

,xiq ne÷ïlr

r|jd.ekSfï ne÷ïlr

r|jd.ekSfï wemlr

fgkav¾ ne÷ïlr

w;a;sldrï f.ùfï wemlr

ia:djr ksfhda.

ksYaÑ; uqo,la" b;=reï .sKqfuka yr lr Tn fjkqfjka kï lrk

,o mqoa.,fhl=yg fyda m%;s,dNsfhl= yg f.ùï ud,djla f,i f.jk

fuka nexl=jg n,h ,nd§ug fï u`.ska Tng bvlv ie,fia' cd;sl

b;sßlsÍfï nexl=fõ .sKqï w;r;=r uqo,a yqjudre lsÍfï § .dia;= wh

lrkq fkd,efí'

wdrCIs; fiamamq

Tnf.a jákd NdKav yd f,aLk wdrCIdldÍ f,i ;ekam;a lr

;eîug úYajdijka; yd iqrlaIs; wdrCIs; fiamamq myiqlï wmf.a

f;dard.;a YdLdj,§ wju jd¾Isl .dia;=jla hgf;a imhkq ,efí'

l=vd" uOHu yd úYd, hk m%udK ;%s;ajfhka fulS wdrCIs; fiamamq

myiqlï ,nd.; yelsh'

kdufhdackd lsÍfï myiqlu

.sKqï ysñfhl=g" ;u wNdjfhka miq" ;u .sKqfï mj;sk uqo,a

iïnkaOfhka jk ysñlu i|yd fjk;a mqoa.,fhl=j kï l<

yel' fuys§" .sKqï ysñhd jYfhka Tn yg Tnf.a wNsu;h mßÈ

kdñlfhl=$kdñlhka m;a lsÍfï n,;, we;'

Wmfhda.S;d ì,am;a f.ùï

.kqfokqlrejka yg cd;sl b;sßlsÍfï nexl=fõ ´kEu YdLdjla yryd

Wmfhda.S;d ì,am;a i|yd uqo,a f.ùfï myiqlï nexl=j úiska imhhs'

uqo,a f.jQ iekska ì,am;a hdj;ald,Sk fõ'

flá mKsúv nexl=lrKh

nexl=fjys b;sßlsÍfï .sKqula ysñ ´kEu ;eke;af;l= yg flá mKsjqv

Tiafia nexl=lrK myiqlï újD; fõ' fï yryd .kqfokqlrejka yg

ish Wmfhda.S;d ì,am;aj,g wod< f.ùï isÿ lsÍugo ish b;sßlsÍfï

.sKqï w;r wruqo,a yqjudre lsÍfï wjia:dj o ie,fia'

wka;¾cd, nexl=lrKh

nexl=j u`.ska .kqfokqlrejka yg wka;¾cd, nexl=lrK myiqlï o

ie,fia' fï hgf;a cd;sl b;sßlsÍfï nexl=fõ .kqfokqlrejkag

wka;¾cd,h Tiafia Tjqkaf.a .sKqï fYaI mÍCId lsÍu" Tjqkaf.a

.sKqïj,ska ´kEu .sKqulg uqo,a udre lsÍu" ,nkakdf.a .sKqu mj;sk

nexl=j ljrlao hkak fkdi<ld uqo,a udre lsÍfï myiqlu fukau

wka;¾cd,h Tiafia ì,am;a i|yd f.ùï lsÍfï yelshdj o Wodfõ'

mdi,a ;ekam;= /ialsÍfï tall

cd;sl b;sßlsÍfï nexl=j mdi,a ;=< ;ekam;= /ialsÍfï tall y÷kajd§u

;=<ska mdi,a <uqka ;=< b;sßlsÍfï mqreoao f.dvkexùfuys,d odhl;ajh

imhd we;'

tkatiaî weu;=ï uOHia:dkh

nexl= lghq;= iïnkaOfhka mek k.sk .eg¿ úi|d .ekSug wjYH

myiqlï tkatiaî weu;=ï uOHia:dkh fj;ska ysñfõ' ´kEu

mqoa.,fhl=g ÿrl:k wxl +94 11 237 9379 Tiafia tkatiaî

weu;=ï uOHia:dkh yd iïnkaO úh yel' tfiau úoHq;a ;emE,"

ialhsma fyda fjí peÜ yryd weu;=ï uOHia:dkh yd iïnkaOùfuka

cd;sl b;sßlsÍfï nexl=fõ ksuejqï yd fiajdjka ms<sn| úuiSug yd

wod< úia;r ,nd .ekSug wjia:dj ie,fia'

386



wdodhï m%ldYh – weußldkq fvd,¾ j,ska

nexl=j iuQyh


we' fvd' Z000

2017

we' fvd' Z000

fjki

]

2018

we' fvd' Z000

2017

we' fvd' Z000

fjki

]

o< wdodhu 612,463 704,795 (13) 617,161 706,354 (13)

fmd,S wdodhu 604,827 675,970 (11) 611,460 681,488 (10)wvql<d( fmd,S úhou 468,628 511,942 (8) 473,215 515,484 (8)

Y=oaO fmd,S wdodhu 136,199 164,028 (17) 138,246 166,004 (17).dia;= iy fldñia wdodhu 5,502 5,109 8 5,520 5,124 8 wvql<d( .dia;= iy fldñia úhou 773 712 9 792 738 7

Y=oaO .dia;= iy fldñia wdodhu 4,729 4,397 8 4,728 4,386 8 fj<|dï lghq;=j,ska ,o Y=oaO ,dNh$^w,dNh& (3,872) 7,873 (149) (5,815) 9,925 (159),dN fyda w,dN u.ska idOdrK w.hg kï l<

uQ,H WmlrKhkaf.ka ,;a Y=oaO ,dNh$^w,dNh& – – – – – – uQ,H j;alï y÷kd.ekSu w;ayeÍu ;=<ska ,;a

Y=oaO ,dNh$^w,dNh& 38 4,617 (99) 38 4,617 (99)fjk;a fufyhqï wdodhï ^Y=oaO& 5,968 11,227 (47) 5,958 5,201 15

uq¿ fufyhqï wdodhu 143,062 192,142 (26) 143,154 190,132 (25)wvql<d( ydkslrK .dia;= 4,767 4,998 (5) 4,767 4,998 (5)

Y=oaO fufyhqï wdodhu 138,295 187,144 (26) 138,387 185,134 (25)

wvql<d( úhoï

fiajl uKav, úhoï 50,697 44,942 13 50,915 45,153 13 CIhùï yd l%uCIh úhoï 3,496 2,764 26 3,502 2,769 26 fjk;a úhoï 22,960 24,391 (6) 22,773 24,034 (5)


f.dvke.Sfï nÿ iy Kh wdmiq f.ùfï nÿ

fmr fufyhqï ,dNh 61,142 115,047 (47) 61,198 113,178 (46)wvql<d( uQ,H fiajd u; tl;= l< w.h u; nÿ 14,108 20,118 (30) 14,144 20,677 (32)uQ,H fiajd u; cd;sh f.dvke.Sfï nÿ 1,881 2,682 (30) 1,886 2,757 (32)uQ,H fiajd u; Kh wdmiq f.ùfï nÿ 1,688 – 100 1,688 – 100


f.dvke.Sfï nÿ iy Kh wdmiq f.ùfï nÿ miq

fufyhqï ,dNh 43,465 92,247 (53) 43,480 89,744 (52)

wdY%s; iud.ïj, iy noaO jHdmdr j, ,dNfhka

ysñ fldgi – – – – – –

wdodhï nÿ fmr ,dNh 43,465 92,247 (53) 43,480 89,744 (52)wvql<d( wdodhï nÿ úhou 18,835 28,839 (35) 18,850 29,988 (37)

j¾Ih i|yd ,dNh 24,630 63,408 (61) 24,630 59,756 (59)

,dNh fn§ hk wdldrh

md,l iud.fï ysñlrejka 24,630 63,408 (61) 24,630 59,756 (59)md,khg hg;a fkdjk ysñlï – – – – – –

j¾Ih i|yd ,dNh 24,630 63,408 (61) 24,630 59,756 (59)

,dNh u; fldgil bmehSSu

idudkH fldgil uQ,sl bmehSï ^re'& 0.04 0.10 (60) 0.04 0.10 (60)idudkH fldgil ;kql bmehSï ^re'& 0.04 0.10 (60) 0.04 0.10 (60)

j¾Ih i|yd ,dNh 24,630 63,408 (61) 24,630 59,756 (59)

387



úia;S¾K wdodhï m%ldYh – weußldkq fvd,¾ j,ska

nexl=j iuQyh


we' fvd' Z000

2017

we' fvd' Z000

fjki

]

2018

we' fvd' Z000

2017

we' fvd' Z000

fjki

]

j¾Ih i|yd ,dNh 24,630 63,408 (61) 24,630 59,756 (59)


úia;S¾K wdodhï

úfoaY .kqfokq mßj¾;kh u; jQ úksuh fjkialï – – – – – – bosß /l=ï uqo,a m%jdy lghq;= j,ska ,;a

Y=oaO ,dN$^w,dN& (1,598) 1,893 (184) (1,598) 1,893 (184)fjk;a úia;S¾K wdodhï u`.ska idOdrK w.hg mj;sk

Kh WmlrK u; Y=oaO ,dN$^w,dN& – – – – – – wdY%s; iud.ï iy noaO jHdmdr j,

,dNfhka ysñ fldgi – – – – – – fjk;a úia;S¾K wdodhï u`.ska idOdrK w.hg m;a l<

Kh WmlrK (699) 4,526 (115) (816) 5,605 (115)wvql<d( fjk;a úia;S¾K wdodhï u.ska idOdrK w.hg

kï l< Kh WmlrK bj;a lsÍu u; idOdrK w.h

u; ,dN$^w,dN& 7 (4,506) (100) 7 (4,506) (100)wvql<d( wdodhï m%ldYhg kej; j¾.SlrKh l< hq;=

whs;uhkag wod< nÿ úhoï – – – – – –

wdodhï m%ldYhg kej; j¾.SlrKh l< hq;=

fjk;a úia;S¾K wdodhï tl;=j (2,289) 1,914 (220) (2,407) 2,992 (180)

wdodhï m%ldYhg kej; j¾.SlrKh l< hq;= fkdjk

fjk;a úia;S¾K wdodhï

fjk;a úia;S¾K wdodhï u`.ska idOdrK w.hg mj;sk

ysñlï WmlrKj, wdfhdackhkays idOdrK w.fhys

fjkiaùu (3,779) (240) 1,475 (3,779) (240) 1,475 ,dN fyda w,dN u.ska idOdrK w.hg mj;sk uQ,H

j.lSï u; nexl=fõ Kh wjodku wdfrdamKh lsÍfï

idOdrK fjkiaùu – – – – – – fiajdjidk m%;s,dN ne|Sï kej; wd.Kkh (1,154) (13,525) (91) (1,156) (13,523) (91)m%;Hd.Kk w;sßla;fhys fjkiaùï – 29,423 (100) – 29,423 (100)wdY%s; iud.ï iy noaO jHdmdr j, ,dNfhka

ysñ fldgi – – – – – – wvql<d( wdodhï m%ldYhg kej; j¾.SlrKh fkdl<

hq;= whs;uhkag wod< nÿ úhou – – – – – –

wdodhï m%ldYhg kej; j¾.SlrK l< hq;= fkdjk

fjk;a úia;S¾K wdodhï tl;=j (4,933) 15,658 (132) (4,935) 15,660 (132)

(7,222) 17,572 (141) (7,342) 18,652 (139)

j¾Ihg wod< uq¿ úia;S¾K wdodhu 17,408 80,980 (79) 17,289 78,408 (78)

,dNh fn§ hk wdldrh

md,l iud.fï ysñlrejka 17,408 80,980 (79) 17,289 78,408 (78)md,khg hg;a fkdjk ysñlï – – – – – –

j¾Ih i|yd uq¿ úia;S¾K wdodhu 17,408 80,980 (79) 17,289 78,408 (78)

weußldkq fvd,¾ úksuh wkqmd;h ^re'& 182.7084 153.2300 182.7084 153.2300

388



uQ,H ;;a;ajh ms<sn| m%ldYh – weußldkq fvd,¾ j,ska

nexl=j iuQyh


we' fvd' Z000

2017

we' fvd' Z000

fjki

]

2018

we' fvd' Z000

2017

we' fvd' Z000

fjki

]

j;alï

uqo,a yd uqo,aj,g iudkhka 18,798 25,123 (25) 18,811 25,152 (25)uy nexl=j fj;e;s fYaIhka – – – 1 1 – nexl=j, we;s ;ekam;= 96,265 152,955 (37) 96,265 152,955 (37)jHq;amkak uQ,H WmlrK 25,944 8,880 192 25,944 8,880 192 ,dN w,dN u`.ska y÷kd.;a uQ,H j;alï

– idOdrK w.hg .Kkh l< 91,295 42,239 116 147,051 61,280 140 – idOdrK w.hg kï l< – – – – – – l%uCIh msßjeh u; uQ,H j;alï

– Kh yd w;a;sldrï 2,318,077 2,451,894 (5) 2,318,214 2,443,494 (5) – Kh yd fjk;a WmlrK 2,840,307 3,625,064 (22) 2,862,338 3,650,197 (22)fjk;a úia;S¾K wdodhï u.ska idOdrK w.hg .Kkh l<

uQ,H j;alï 33,849 37,159 (9) 42,628 49,037 (13)md,s; iud.ïj, wdfhdackhka 9,304 5,874 58 – – – wdY%s; iud.ïj, iy noaO jHdmdrj, wdfhdackh – – – – – – foam," msßh; iy WmlrK 73,701 80,896 (9) 73,717 80,920 (9)foam, wdhdack – – – – – – lS¾;skduh yd wiamDYH j;alï – – – – – – ú,ïî; nÿ j;alï – – – – – – fjk;a j;alï 170,814 167,694 2 172,585 169,529 2 uq¿ j;alï 5,678,354 6,597,777 (14) 5,757,554 6,641,445 (13)

j.lSï

nexl= j,g f.úh hq;== 422,089 317,148 33 457,643 322,082 42 jHq;amkak uQ,H WmlrK 8 6,245 (100) 8 6,245 (100),dN w,dN u.ska y÷kd.;a uQ,H j.lSï – – – – – – l%uCIh msrsjeh u; uQ,H j.lSï

– ;ekam;alrejkag f.úhhq;= 4,595,160 4,811,151 (4) 4,595,160 4,811,151 (4) – Kh iq/l=m;a ysñhkag f.úhhq;= – – – – – – – fjk;a Kh .ekSï i|yd f.úhhq;= 81,030 83,776 (3) 119,043 114,502 4 ksl=;a l< Kh iq/l=ïm;a 286,736 1,061,861 (73) 286,736 1,061,861 (73)fiajdjidk m%;s,dN ne|Sï 20,967 24,221 (13) 20,978 24,229 (13)m%j¾;k nÿ j.lSï – – – – 896 (100)ú,ïî; nÿ j.lSï 3,188 3,309 (4) 3,188 3,310 (4)fjk;a fjkalsÍï – – – – – – fjk;a j.lSï 29,814 34,916 (15) 29,842 35,207 (15)md,s; iud.ïj,g f.úhhq;= 4 5 (20) – – – uq¿ j.lSï 5,438,996 6,342,633 (14) 5,512,599 6,379,484 (14)

ysssñlï

m%ldYs; m%d.aOkh$mjrk ,o m%d.aOkh 51,448 43,725 18 51,448 43,725 18 jHjia:dms; ixÑ; wruqo, 17,667 19,598 (10) 17,667 19,598 (10)r|jd.;a bmhSï 25,298 7,197 252 28,452 10,961 160 fjk;a ixÑ; 144,945 184,624 (21) 147,388 187,677 (21)whs;slrejkaf.a uq¿ ysssñlu 239,358 255,144 (6) 244,955 261,961 (6)md,khg hg;a fkdjk ysñlï – – – – – –

uq¿ ysssñlu 239,358 255,144 (6) 244,955 261,961 (6)

uq¿ ysñlï iy j.lSï 5,678,354 6,597,777 (14) 5,757,554 6,641,445 (13)

wiïNdjH j.lSï iy ne|Sï 24,528 119,561 (79) 24,528 119,561 (79)

weußldkq fvd,¾ úksuh wkqmd;h ^re'& 182.7084 153.2300 182.7084 153.2300

389



2016 wxl 1 ork nexl= mkf;a ksfhda.fhys III Wmf,aLkh m%ldr ndi,a III fy<sorõ lsÍï

ndi,a III ia:ïNh II hgf;a wju fy<sorõ lsÍfï wjYH;d

uQ,sl kshduk wkqmd; – m%d.aOk iy øjYS,;dj

whs;uh nexl=j iuQyh

31'12'2018 31'12'2017 31'12'2018 31'12'2017

kshduk m%d.aOkh ^re' Z000&

fmdÿ ysñlï ia:rh I 30,434,481 25,564,909 32,750,842 27,370,741 m%d.aOk ia:rh I 30,434,481 25,564,909 32,750,842 27,370,741 uq¿ m%d.aOkh 36,859,411 32,808,403 39,102,064 34,605,855

kshduk m%d.aOk wkqmd; ^]&

fmdÿ ysñlï ia:rh I m%d.aOk wkqmd;h ^wju wjYH;djh( 2018 – 7'375]"

2017 – 6'25]) 13.325 11.931 14.140 12.651 m%d.aOk wkqmd;h ia:rh I ^wju wjYH;djh( 2018 – 8'875]" 2017 – 7'75]) 13.325 11.931 14.140 12.651 uq¿ m%d.aOk wkqmd;h ^wju wjYH;djh( 2018 – 12'875]" 2017 – 11'75]) 16.138 15.311 16.882 15.996 f;da,k wkqmd;h ^wju wjYH;djh( 3]&) 4.86 – 5.00 –

kshduk øjYS,;dj

kshduk øjYS, j;alï ^re' Z000& 424,490,106 509,079,407 wod< fkdfõ' wod< fkdfõ'

kshduk øjYS, j;alï wkqmd; ^wju wjYH;dj – 20]& wod< fkdfõ' wod< fkdfõ'

foaYSh nexl= tall ^]& 54.88 73.44 wod< fkdfõ' wod< fkdfõ'

wla-fjr< nexl= tall ^]& – – wod< fkdfõ' wod< fkdfõ'

øjYS,;d wdjrK wkqmd;h ^]& – remsh,a

^wju wjYH;dj( 2018 – 90]" 2017 - 80]) 245.06 377.57 wod< fkdfõ' wod< fkdfõ'

øjYS,;d wdjrK wkqmd;h ^]& ish¨ uqo,a

^wju wjYH;dj( 2018 – 90]" 2017 – 80]) 321.29 376.18 wod< fkdfõ' wod< fkdfõ'

) kshduk jd¾;dlrKh l%shd;aul jk Èkh n,mj;ajkq ,nkafka 2019 ckjdß 01 Èk isgh'

390



ndi,a III – m%d.aOk wkqmd; .Kkh lsÍu

whs;uh nexl=j iuQyh

31'12'2018

re Z000

31'12'2017

re Z000

31'12'2018

re Z000

31'12'2017

re Z000

.e,mSïj,g miq fmdÿ ysñlï ia:r I m%d.aOkh (CETI) 30,434,481 25,564,909 32,750,842 27,370,741 fmdÿ ysñlï ia:r I (CETI) m%d.aOk tl;=j 35,721,269 30,655,010 36,653,467 31,654,889 ysñlï m%d.aOkh ^m%ldYs; m%d.aOkh&$mjrk ,o m%d.aOkh 9,400,000 6,700,000 9,400,000 6,700,000 ixÑ; wruqo, 3,227,960 3,002,952 3,227,960 3,002,952 m%ldYs; r|jd.;a bmehSï$^WmÑ; r|jd.;a w,dN& 115,634 (3,122,124) 692,093 (2,545,305)m%ldYs; WmÑ; fjk;a úia;S¾K wdodhï (114,210) 982,297 (252,431) 912,206 fmdÿ yd wfkl=;a wkdjrKh l< ixÑ;hka 23,091,885 23,091,885 23,585,844 23,585,036 m%ldYhg m;a fkdl< m%j¾;k j¾Ifha ,dNh$^w,dNh& iy fjk;a

úia;S¾K wdodhïys ms<sìUq jk ,eîï – – – – taldnoaO nexl=lrK iy nexl=fõ uQ,H mßmd,s; iud.ï úiska ksl=;a

lrk ,o iy f;jk md¾Yaj úiska r|jd.;a idudkH fldgia – – – – fmdÿ ysñlï ia:r I m%d.aOkhg uq¿ .e,mSï 5,286,788 5,090,100 3,902,624 4,284,148 lS¾;skduh ^Y=oaO& – – – – wiamDYH j;alï ^Y=oaO& 576,075 380,308 576,341 380,655 foam," msßh; iy WmlrKj, m%;Hd.Ks; w,dN 19,183 19,183 19,183 19,183 ú,ïî; nÿ j;alï ^Y=oaO& – – 73 – bÈß /l=ï uqo,a m%jdy ixÑ;h – 291,924 – 291,924 wdh;kfha ksl=;a l< idudkH fldgia m%d.aOkfhka 10] lg jvd jeä

m%udKhla nexl=j i;= fkdjk uQ,H wdh;kj, m%`d.aOk wdfhdack 3,309,693 3,597,821 3,307,027 3,592,386 wdh;kfha ksl=;a l< idudkH fldgia m%d.aOkfhka 10] lg jvd jeä

m%udKhla nexl=j i;= jk uQ,H wdh;kj, ie,lshhq;=

m%d.aOk wdfhdack 1,381,837 800,864 – – .e,mSïj,g miq w;sf¾l ia:r I m%d.aOkh (ATI) – – – – w;sf¾l ia:r I m%d.aOk tl;=j – – – – iqÿiqlï ,;a w;sf¾l ia:r I m%d.aOk WmlrK – – – – taldnoaO nexl=lrK iy nexl=fõ uQ,H mßmd,s; iud.ï úiska ksl=;a

lrk ,o iy f;jk md¾Yaj úiska r|jd.;a WmlrK – – – – w;sf¾l ia:r I m%d.aOkhg uq¿ .e,mSï – – – – iajlSh fldgiaj, wdfhdackh – – – – .e,mSïj,g miq ia:r II m%d.aOkh 6,424,930 7,243,494 6,351,222 7,235,114 ia:r II m%d.aOk tl;=j 8,846,497 9,855,227 8,846,497 9,855,227 iqÿiqlï ,;a ia:r II m%d.aOk WmlrK 3,600,000 4,800,000 3,600,000 4,800,000 m%;Hd.Ks; ,dN 3,565,866 3,565,866 3,565,866 3,565,866 Kh mdvq m%;smdok 1,680,631 1,489,362 1,680,631 1,489,362 taldnoaO nexl=lrK iy nexl=fõ uQ,H mßmd,s; iud.ï úiska ksl=;a

lrk ,o iy f;jk md¾Yaj úiska r|jd.;a WmlrK – – – –


391



whs;uh nexl=j iuQyh

31'12'2018

re Z000

31'12'2018

re Z000

31'12'2018

re Z000

31'12'2018

re Z000

ia:r II m%d.aOkhg uq¿ .e,mSï 2,421,567 2,611,733 2,495,275 2,620,113 iajlSh fldgiaj, wdfhdackh – – – – ksl=;a lrkq ,nk wdh;kfha Pkao whs;sjdislï iys; ksl=;a l<

m%d.aOkfhka 10] lg jvd nexl=j i;= fkdjk uQ,H wdh;kj, m%d.aOk

wdfhdack 2,421,567 2,611,733 2,495,275 2,620,113 fmdÿ ysñlï ia:r I m%d.aOkh 30,434,481 25,564,909 32,750,842 27,370,741 fmdÿ ysñlï ia:r I m%d.aOk tl;=j 30,434,481 25,564,909 32,750,842 27,370,741 uq¿ m%d.aOkh 36,859,411 32,808,403 39,102,064 34,605,855 uq¿ wjodkï nr ;enQ j;alï (RWA) 228,405,468 214,281,753 231,620,561 216,344,080Kh wjodku i|yd wjodkï nr ;enQ j;alï 185,794,966 157,267,128 185,358,837 157,555,103fj<|fmd< wjodku i|yd wjodkï nr ;enQ j;alï 11,400,132 22,109,583 14,831,899 23,537,259fufyhqï wjodku i|yd wjodkï nr ;enQ j;alï 31,210,369 34,905,043 31,429,825 35,251,718

fmdÿ ysñlï ia:r I m%d.aOk wkqmd;h ^m%d.aOk ixrCIK wjfrdaOlh"

m%;spl%dldr m%d.aOk wjfrdaOlh yd foaYSh moaO;s wkqj jeo.;a nexl= u;

m%d.aOk wêNdrho we;=<;aj& ^]& 13.325 11.931 14.140 12.651bka m%d.aOk ixrCIK wjfrdaOlh ^]& 1.875 1.250 1.875 1.250bka m%;spl%dldr wjfrdaOlh ^]& 0.000 0.000 0.000 0.000bka foaYSh moaO;s wkqj jeo.;a nexl= u; m%d.aOk wêNdrh 1.000 0.500 1.000 0.500uq¿ ia:r I m%d.aOk wkqmd;h ^]& 13.325 11.931 14.140 12.651

uq¿ m%d.aOk wkqmd;h ^m%d.aOk ixrCIK wjfrdaOlh" m%;spl%dldr

m%d.aOk wjfrdaOlh yd foaYSh moaO;s wkqj jeo.;a nexl= u; m%d.aOk

wêNdrho we;=<;aj& ^]& 16.138 15.311 16.882 15.996bka m%d.aOk ixrCIK wjfrdaOlh ^]& 1.875 1.250 1.875 1.250bka m%;spl%dldr wjfrdaOlh ^]& 0.000 0.000 0.000 0.000bka foaYSh moaO;s wkqj jeo.;a nexl= u; m%d.aOk wêNdrh 1.000 0.500 1.000 0.500

uQ,H jd¾;dlrKj, oelafjk r|jd.;a bmehSï fYaIh yd ndi,a III m%d.aOk m%udKd;aul;d .Kkh lsÍï w;r fjki yg.kafka my; i|yka

lreKq u;hs'

^1& m%j¾;k j¾Ifha r|jd.;a bmhSï fmdÿ ixÑ;h fj; udre lsÍu 2015 j¾Ih wjidkh olajdu nexl=fõ m%;sm;a;sh úh' 2016 foieïn¾ 31

Èk isg n,meje;afjk mßÈ m%j¾;k j¾Ifha r|jd.;a bmehSï j,ska fldgila fjku mj;ajd.kq ,nk r|jd.;a bmehSï ixÑ;h fj; udre

lsÍu isÿ lrk mßÈ nexl=fõ m%;sm;a;s fjkia flßKs' tfyhska uQ,H jd¾;dlrKj, oelafjk r|jd.;a bmehSï fYaIh yd ndi,a III m%d.aOk

m%udKd;aul;d .Kkh lsÍï w;r mj;sk tla fjkila jkqfha remsh,a ì,shk 5'351 úY%dñl m%;s,dN ie,iqu u; WmÑ; Ôj.Kl w,dNhhs'

tu w.h 2016 j¾Ihg fmr fmdÿ ixÑ;hg .,md we;'

^2& ;jÿrg;a" Y%S ,'uQ'jd'm%' 09 wkq.; ùu;a iu. Èk 1 n,mEfuka 25] la muKla jk remsh,a ì,shk 1"126 ndi,aa III m%d.aOk m%udKd;aul;d

.Kkh lsÍï j,§ ie,ls,a,g f.k we;' Y%S ,xld uy nexl=j úiska nexl=j fj; wjir § we;s mßÈ ndi,aa III m%d.aOk m%udKd;aul;d .Kkh

lsÍï j,§ Èk 1 n,mEu wjqre¥ 04 l ixl%dka;s ld,mßÉfþohla uq¿,af,ys i,ld n,kq ,nk w;r" uQ,H jd¾;dlrKfha§ Èk 1 n,mEu

iïmQ¾Kfhkau i,ld n,kq ,efí'


ndi,a III ia:ïNh hgf;a wju fy<sorõ lsÍfï wjYH;d

392



f;da,k wkqmd;h .Kkh lsÍu

whs;uh nexl=j iuQyh

re Z000 re Z000

m%d.aOk ia:rh I 30,434,481 32,750,842 uq¿ ksrdjrKhùï 625,952,845 655,042,559 fYaIm;%.; whs;u ^jHq;amkak iy iq/l=ïm;a uQ,Hkh lsÍfï .kqfokq yer" tfy;a iq/l=ï we;=¿j& 543,269,728 559,100,363 jHq;amkak ksrdjrKh ùï 454,442 454,442 iq/l=ïm;a uQ,Hkh lsÍfï .kqfokq ksrdjrKh ùï 79,981,972 93,241,051 wfkl=;a fYaIm;%.; fkdjk ksrdjrKh ùï 2,246,703 2,246,703 ndi,a III f;da,k wkqmd;h ^]& îa:r I$uq¿ ksrdjrKh ùu& 4.86% 5.00%

) kshduk jd¾;dlrKh l%shd;aul jk Èkh n,mj;ajkq ,nkafka 2019 ckjdß 01 Èk isgh'

ndi,a III – øjYS,;d wdjrK wkqmd;h .Kkh lsÍu ^nexl=j& - ishü uqo,a j¾.

whs;uh 2018 2017

nr fkd;enQ

uq¿ w.h

re Z000

nr ;enQ

uq¿ w.h

re Z000

nr fkd;enQ

uq¿ w.h

re Z000

nr ;enQ

uq¿ w.h

re Z000

by< .=Kd;aulNdjfhka hq;= øjYS, j;alïj, uq¿ tl;=j (HQLA) 422,527,455 419,793,574 430,221,226 426,508,743 1 A uÜgfï .e,mQ uq¿ j;alï 423,926,486 423,926,486 431,889,252 431,889,2521 uÜgfï j;alï 416,569,693 416,569,693 422,446,260 422,446,260 2 A uÜgfï .e,mQ uq¿ j;alï 700,000 595,000 500,000 425,000 2 B uÜgfï j;alï 700,000 595,000 500,000 425,000 2 B uÜgfï .e,mQ uq¿ j;alï 5,257,763 2,628,881 7,274,966 3,637,483 2 B uÜgfï j;alï 5,257,763 2,628,881 7,274,966 3,637,483 uqo,a .,d hEï – tl;=j 942,681,904 185,180,897 812,037,851 126,236,382 ;ekam;= 686,030,059 68,603,006 611,264,221 61,126,422 iq/l=ï fkd,;a f;d. uQ,Hkh 140,398,948 72,159,192 114,458,122 58,912,164 iq/l=ï ,;a uQ,Hk .kqfokq 66,860,079 – 57,193,088 – lem jQ ^wj,x.= l< fkdyels& myiqlï j," Ndú;hg fkd.;a fldgi

iy fjk;a wiïNdjH uQ,Hk ne|Sï 5,198,560 238,338 24,722,883 1,812,059 w;sf¾l wjYH;d 44,194,258 44,194,258 4,399,536 4,399,536 uq¿ uqo,a .,dtaï 23,871,472 54,523,804 25,850,376 12,858,107 wem u`.ska wdjrKh jQ iqrCIs; l,a msfrk Kh .kqfokq 4,801,432 2,450,006 7,704,695 2,115,566 lem ù we;s myiqlï – – – – Èk 30 la ;=< l,a msfrk m%;smd¾Yajhkaf.a fjk;a uqo,a .,dtaï 16,118,248 11,262,873 15,514,164 10,742,542 fufyhqï ;ekam;= 2,951,791 – 2,631,518 – fjk;a uqo,a .,dtaï 40,810,925 40,810,925 – – øjYS,;d wdjrK wkqmd;h ^]& ^by< .=Kd;aulNdjfhka hq;= øjYS,

j;alï$bÈß Èk 30 ;=< uq`M Y=oaO uqo,a .,dhdïj, tl;=j& )100 – 321.29 – 376.18

2016 wxl 1 ork nexl= mkf;a ksfhda.fhys III Wmf,aLkh m%ldr ndi,a III fy<sorõlsÍï

393



kshduk m%d.aOk WmlrKj, uQ,sl .=Kdx.

m%d.aOk WmlrKj, úia;rh

ksl=;a lrkakd cd;sl b;sßlsÍfï nexl=j

wkkH;djh

WmlrKj, md,k kS;s Y%S ,xldj

ksl=;a l< uq,a Èkh 2016 foieïn¾ 29

WmlrKhl jákdlu 100

ks;H fyda Èk iys; Èk iys;

l,amsÍfï Èkh 2021 foieïn¾ 29

kshduk m%d.aOkfhys y÷kd.;a m%udKh ^re z000& 3"600"000

.sKqïlrK j¾.SlrKh ^ysñlï$j.lSï& j.lSï

mQ¾j wëCIK wkque;shg hg;aj ksl=;a lrkakdg le|úh yels

úl,am le|ùï Èk" wiïNdjH le|ùï Èk iy ksoyia l<yels w.h ^re' z000& wod< fkdfõ

miq le|ùï Èk wod< fkdfõ

fmd,sh$,dNdxY

îa:djr fyda mdfjk& ,dNdxY fmd,sh ia:djr

fmd,S wkqmd;slh iy wfkl=;a iïnkaê; o¾Ylhka 13]

iuqÉÑ; fkdjQ fyda iuqÉÑ; iuqÉÑ; fkdjQ

mßj¾;kh l<yels fyda mßj¾;kh l< fkdyels

mßj¾;kh l< yels kï" mßj¾;khg ;=vq ¥ka fya;=j$fya;= wod< fkdfõ

mßj¾;kh l< yels kï" iïmQ¾K jYfhka fyda w¾O jYfhkao j. wod< fkdfõ

mßj¾;kh l< yels kï" wksjd¾ho wksjd¾h fkdjko nj wod< fkdfõ

mßj¾;kh l< yels kï" mßj¾;k wkqmd;h wod< fkdfõ

m%udKd;aulNdjh$j;auka yd bÈß m%d.aOk wjYH;d imqrd,Su ms<sn| idrdxYh

m%udKd;aul Ndjh$j;auka yd bÈß m%d.aOk wjYH;d imqrd,Su ms<sn| idrdxYh i|yd msgq wxl 223 isg 226 olajd we;s wjodkï

l<ukdlrK jd¾;dj fj; fhduqjkak'


394



m%ñ;s.; m%fõYh hgf;a Kh wjodku ^nexl=j&

Kh wjodkï ksrdjrKhùï iy Kh wjodkï wju lsÍfï n,mEï

2018 foieïn¾ 31 Èkg Kh mßj¾;k idOlh iy

Kh wjodkï wju lsÍug

fmr ksrdjrKh ùï

Kh mßj¾;k idOlh


miq ksrdjrKh ùï

wjodkï nr ;enQ j;alï yd

wjodkï nr ;enQ

j;alï .yk;dj

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fYaIm;%h u;

w.h

re Z000

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neyer jQ w.h

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wjodkï

nr ;enQ j;alï

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j;alï .yk;dj îi&

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uOHu rch yd Y%S ,xld uy nexl=fjka

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whúh hq;= – – – – – – rdcH wdh;k j,ska whúh hq;= 130,743,609 460,596 57,491 – 57,491 100.0 ks, wdh;k iy nyqmd¾Yaúl ixj¾Ok

nexl= j,ska whúh hq;= – – – – – – nexl= wdh;k j,ska whúh hq;= 44,965,188 – 44,965,188 – 21,067,423 46.9 uQ,H wdh;k j,ska whúh hq;= 12,758,192 186,386 12,758,192 93,193 6,442,190 50.1 wdh;k j,ska whúh hq;= 12,249,702 131,550 12,249,702 65,775 4,253,912 34.5 mdßfNda.sl whúh hq;= 182,085,576 2,165,701 154,935,080 134,890 94,043,642 60.6 ksjdi foam< wem f,i ;enQ whúh hq;= 65,899,139 801,015 65,899,139 400,508 33,387,867 50.4 jdKsc j;=msá wem f,i ;enQ whúh hq;= – – – – – – wl%Sh j;alï) ^µ& (NPAs) 5,203,492 – 5,203,492 – 6,391,586 122.8 by< wjodkï j¾.SlrK 318,163 – 318,163 – 795,408 250.0

uqo,a whs;u iy wfkl=;a j;alï 19,417,844 736,149 19,417,844 736,149 19,319,736 95.9

tl;=j 1,014,678,049 45,290,790 854,484,197 2,246,703 185,794,966 21.7

igyk

(i) wl%Sh Kh – Kh yd w;a;sldrï" wdodhï y÷kd.ekSu iy fjkalsÍï u; j¾.SlrKh ms<sn| nexl= mk;a úOdk wkqj"

(ii) wjodkï nr ;enQ j;alï .yk;dj – uq¿ wjodkï nr ;enQ j;alï$Kh mßj¾;k idOlh iy Kh wjodkï wju lsÍug miq ksrdjrKh ùï'


395



m%ñ;s.; m%fõYh hgf;a Kh wjodku îuQyh&

Kh wjodkï ksrdjrKhùï iy Kh wjodkï wju lsÍfï n,mEï

2018 foieïn¾ 31 Èkg Kh mßj¾;k idOlh iy


fmr ksrdjrKh ùï

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re Z000

wjodkï

nr ;enQ j;alï

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^]&


wh úh hq;= 545,158,807 40,809,393 542,776,595 816,188 35,712 0.0 úfoaY rdcH iy tajdfhys uy nexl=

j,ska whúh hq;= – – – – – – rdcH wdh;k j,ska whúh hq;= 130,743,609 460,596 57,491 – 57,491 100.0 ks, wdh;k iy nyqmd¾Yaúl ixj¾Ok

nexl= j,ska whúh hq;= – – – – – – nexl= wdh;k j,ska whúh hq;= 45,017,575 – 45,017,575 – 21,090,299 46.8 uQ,H wdh;k j,ska whúh hq;= 12,854,155 186,386 12,854,155 93,193 6,461,440 49.9 wdh;k j,ska whúh hq;= 12,382,231 131,550 12,382,231 65,775 4,281,218 34.4 mdßfNda.sl whúh hq;= 182,085,576 2,165,701 154,935,080 134,890 94,043,642 60.6 ksjdi foam< wem f,i ;enQ whúh hq;= 65,899,139 801,015 65,899,139 400,508 33,387,867 50.4 jdKsc j;=msá wem f,i ;enQ whúh hq;= – – – – – – wl%Sh j;alï) (i) (NPAs) 5,203,492 – 5,203,492 – 6,391,586 122.8 by< wjodkï j¾.SlrK – – – – – –

uqo,a whs;u iy wfkl=;a j;alï 19,707,702 736,149 19,707,702 736,149 19,609,584 95.9

tl;=j 1,019,052,285 45,290,790 858,833,459 2,246,703 185,358,837 21.5

igyk

(i) wl%Sh Kh – Kh yd w;a;sldrï" wdodhï y÷kd.ekSu iy fjkalsÍï u; j¾.SlrKh ms<sn| nexl= mk;a úOdk wkqj"

(ii) wjodkï nr ;enQ j;alï .yk;dj - uq¿ wjodkï nr ;enQ j;alï$Kh mßj¾;k idOlh iy Kh wjodkï wju lsÍug miq ksrdjrKh ùï'


396



m%ñ;s.; m%fõYh hgf;a Kh wjodku – j;alï ldKav iy wjodkï nr ;eîï wkqj

ksrdjrKh ùï ^nexl=j&


úia;rh Kh mßj¾;k idOlh iy Kh wjodkï wju lsÍug miq ^re' Z000&

wjodkï

nr ;eîï

j;alï ldKav

0]

re Z000

20]

re Z000

50]

re Z000

75]

re Z000

100]

re Z000

150]

re Z000

>150]

re Z000

Kh iòyd

ksrdjrKh jQ

uq¿ w.h

re Z000


wh úh hq;= 539,317,534 178,560 – – – – – 539,496,093

úfoaY rdcH iy tajdfhys uy nexl=

j,ska wh úh hq;= – – – – – – – –

rdcH wdh;k j,ska wh úh hq;= – – – – 57,491 – – 57,491

ks, wdh;k iy nyqmd¾Yaúl

ixj¾Ok nexl= j,ska wh úh hq;= – – – – – – – –

nexl= wdh;k j,ska wh úh hq;= – 15,222,979 23,438,768 – 6,303,442 – – 44,965,189

uQ,H wdh;k j,ska wh úh hq;= – 1,923,086 9,741,454 – 1,186,845 – – 12,851,385

wdh;k j,ska wh úh hq;= – 9,465,626 978,128 – 1,871,723 – – 12,315,477

mdßfNda.sl wh úh hq;= 29,675,178 4,457 – 125,390,334 – – – 155,069,970

ksjdi foam< wem f,i ;enQ

wh úh hq;= – – 65,823,559 – 476,088 – – 66,299,647

jdKsc j;=msá wem f,i ;enQ

wh úh hq;= – – – – – – – –

wl%Sh j;alï (NPAs) – – 34,575 – 2,758,149 2,410,766 – 5,203,491

by< wjodkï j¾.SlrK – – – – – – 318,163 318,163

uqo,a whs;u iy wfkl=;a j;alï 687,687 183,213 – – 19,283,093 – – 20,153,992

tl;=j 569,680,399 26,977,920 100,016,484 125,390,334 31,936,831 2,410,766 318,163 856,730,900


397



m%ñ;s.; m%fõYh hgf;a Kh wjodku - j;alï ldKav iy wjodkï nr ;eîï wkqj

ksrdjrKh ùï îuQyh&


úia;rh Kh mßj¾;k idOlh iy Kh wjodkï wju lsÍug miq ^re' Z000&

wjodkï

nr ;eîï

j;alï ldKav

0]

re Z000

20]

re Z000

50]

re Z000

75]

re Z000

100]

re Z000

150]

re Z000

>150]

re Z000

Kh iòyd

ksrdjrKh jQ

uq¿ w.h

re Z000

uOHu rch yd Y%S ,xld uy

nexl=fjka whúh hq;= 543,414,224 178,560 – – – – – 543,592,783

úfoaY rdcH iy tajdfhys uy nexl=

j,ska whúh hq;= – – – – – – – –

rdcH wdh;k j,ska whúh hq;= – – – – 57,491 – – 57,491

ks, wdh;k iy nyqmd¾Yaúl

ixj¾Ok nexl= j,ska whúh hq;= – – – – – – – –

nexl= wdh;k j,ska whúh hq;= – 15,234,038 23,480,097 – 6,303,442 – – 45,017,577

uQ,H wdh;k j,ska whúh hq;= – 2,018,860 9,741,643 – 1,186,845 – – 12,947,349

wdh;k j,ska whúh hq;= – 9,597,155 978,128 – 1,872,723 – – 12,448,006

mdßfNda.sl whúh hq;= 29,675,178 4,457 – 125,390,334 – – – 155,069,970

ksjdi foam< wem f,i ;enQ

whúh hq;= – – 65,823,559 – 476,088 – – 66,299,647

jdKsc j;=msá wem f,i ;enQ

whúh hq;= – – – – – – – –

wl%Sh j;alï (NPA) – – 34,575 – 2,758,149 2,410,766 – 5,203,491

by< wjodkï j¾.SlrK – – – – – – – –

uqo,a whs;u iy wfkl=;a j;alï 687,697 183,213 – – 19,572,941 – – 20,443,850

tl;=j 573,777,099 27,216,283 100,058,003 125,390,334 32,227,679 2,410,766 – 861,080,161


398



m%ñ;s.; ñkqï l%ufõoh hgf;a fj<|fmd, wjodku

nexl=j iuQyh

whs;uh 2018'12'31 Èkg

wjodkï nr ;enQ

j;alï w.h

re Z000

2018'12'31 Èkg

wjodkï nr ;enQ

j;alï w.h

re Z000

^w& fmd,S wkqmd;sl wjodku i|yd wjodkï nr ;enQ j;alï 6,490,904 9,918,163 idudkH fmd,S wkqmd;sl wjodku 6,490,904 9,918,163

(i) Y=oaO È.= fyda flá ;;a;ajh 6,490,904 9,918,163 (ii) ;sria bv fkd§ï – – (iii) isria bv fkd§ï – – (iv) úl,am – –

úfYaI fmd,S wkqmd;sl wjodku – –

^wd& ysñlï i|yd wjodkï nr ;enQ j;alï 3,659,542 3,664,051 (i) idudkH ysñlï wjodkï 1,954,061 1,956,728 (ii) úfYaI ysñlï wjodkï 1,705,481 1,707,323

^we& úfoaY úksuh iy rka i|yd wjodkï nr ;enQ j;alï 1,249,687 1,249,687fj<|fmd, wjodku i|yd m%d.aOk whlsÍu ^w& ¬ ^wd& ¬ ^we& « m%d.aOk m%udKd;aul;d wkqmd;h (CAR) 1,467,767 1,909,607

uQ,sl o¾Yl m%fõYh hgf;a fufyhqï wjodku

nexl=j

m%d.aOk

whlsÍu

idOlh

]

2018'12'31 Èkg o< wdodhu

re Z000m%d.aOk whlsÍu m<uq jir

re Z000

fojk jir

re Z000

f;jk jir

re Z000

uQ,sl o¾Yl m%fõYh 15 26,227,552 27,981,561 26,157,586m%d.aOk whlsÍu – – – – 4,018,335fufyhqï wjodku i|yd wjodku nr ;enQ w.h – – – – 31,210,369

iuQyh

m%d.aOk

whlsÍu

idOlh

]

2018'12'31 Èkg o< wdodhu

re Z000m%d.aOk whlsÍu m<uq jir

re Z000

fojk jir

re Z000

f;jk jir

re Z000

uQ,sl o¾Yl m%fõYh 15 26,333,652 28,423,674 26,174,478m%d.aOk whlsÍu – – – – 4,046,590fufyhqï wjodku i|yd wjodku nr ;enQ w.h – – – – 31,429,825


399



.sKqïlrK iy kshduk úIh m:hka w;r fjkialï yd uQ,H m%ldYk j¾.SlrKh iu. kshduk

wjodkï j¾.SlrKh .e,mqï lsÍu

nexl=j

2018 foieïn¾ 31 Èkg w wd we wE b

m%ldYs;

uQ,H m%ldYhkag

wkqj OdrK w.h

re Z000

kshduk

j¾;dlrK

úIh m:hg wkqj

OdrK w.h

re Z000

Kh wjodkï

wdlD;shg

wod< jk

re Z000

fj<|fmd,

wjodkï wdlD;shg

wod< jk

re Z000

m%d.aOk

wjYH;djhkag

hg;a fkdjk

fyda m%d.aOkfhka

wvqlsÍï j,g

hg;a jk

re Z000

j;alï 1,037,482,973 1,039,232,187 852,803,563 18,545,598 167,883,025 uqo,a yd uqo,a j,g iudk oE 3,434,524 5,786,129 3,405,984 22,905 2,357,240 uy nexl=j fj;e;s fYaIhka – – – – – nexl=j, we;s ;ekam;= 17,588,445 17,151,588 17,151,588 – – jHq;amkak uQ,H WmlrK 4,740,106 – – – – ,dN fyda w,dN u`.ska idOdrK w.hg y÷kd.;a

uQ,H j;alï$fj<|du i|yd ord isák fjk;a uQ,H

j;alï 16,680,382 21,832,386 – 18,522,693 3,309,693 ,dN fyda w,dN u`.ska idOdrK w.hg kï l<

uQ,H j;alï – – – – –


Kh yd w;a;sldrï – nexl= 24,326,293 22,805,186 22,805,186 – – Kh yd w;a;sldrï – wfkl=;a .kqfokqlrejka 399,205,852 401,317,886 243,481,272 – 157,836,614 Kh WmlrK yd wfkl=;a oE$l,amsfrk f;la

ord isák uQ,H wdfhdack 518,947,969 503,953,872 501,532,305 – 2,421,567

fjk;a úia;S¾K wdodhï u`.ska idOdrK w.hg

.Kkh l< uQ,H j;alï$úlsKSu i|yd mj;sk

uQ,H wdfhdack 6,184,430 – – – – md,s; iud.ïj, wdfhdack 1,700,000 1,700,000 318,163 – 1,381,837 wdY%s; yd wkqnoaO iud.ïj, wdfhdack – – – – – foam," msßh; iy WmlrK 13,465,755 12,889,681 12,889,681 – – wdfhdack foam< – – – – – wiamDYH j;alï – 576,075 – – 576,075 ú,ïî; nÿ j;alï – – – – – fjk;a j;alï 31,209,216 51,219,384 51,219,384 – –


400



.sKqïlrK iy kshduk úIh m:hka w;r fjkialï yd uQ,H m%ldYk j¾.SlrKh iu`. kshduk

wjodkï j¾.SlrKh .e,mqï lsÍu îïnkaOhs&

nexl=j îïnkaOhs&

2018 foieïn¾ 31 Èkg w wd we wE b

m%ldYs;

uQ,H m%ldYhkag

wkqj OdrK w.h

re Z000

kshduk

j¾;dlrK

úIh m:hg wkqj

OdrK w.h

re Z000

Kh wjodkï

wdlD;shg

wod< jk

re Z000

fj<|fmd,

wjodkï wdlD;shg

wod< jk

re Z000

m%d.aOk

wjYH;djhkag

hg;a fkdjk fyda

m%d.aOkfhka wvq

lsÍïj,g hg;a jk

re Z000

j.lSï 993,750,308 990,648,134 – – – nexl= j,g f.úh hq;== 77,119,146 76,883,763 – – – jHq;amkak uQ,H WmlrK 1,533 – – – – ,dN w,dN u`.ska y`ÿkd.;a uQ,H j.lSï – – – – – l%uCIh msßjeh u; uQ,H j.lSï

– fjk;a .kqfokqlrejkag f.úhhq;= 839,574,411 813,905,714 – – – – Kh iq/l=ïm;a ysñhkag f.úhhq;= – – – – – – fjk;a Kh .ekSï i|yd f.úhhq;= 14,804,802 14,592,473 – – – ksl=;a l< Kh iq/l=ïm;a 46,382,722 45,651,444 – – – fiajdjidk m%;s,dN ne|Sï 3,830,795 – – – – m%j¾;k nÿ j.lSï – – – – – ú,ïî; nÿ j.lSï 582,463 582,463 – – – fjk;a fjkalsÍï – – – – – fjk;a j.lSï 5,447,277 33,032,277 – – – md,s; iud.ïj,g f.úh hq;= 750 750 – – – hg;ald,Sk j.lSï 6,006,411 6,000,000 – – –

fYaIm;%fhka neyer jQ j.lSï 4,481,398 45,290,790 2,246,703 – – wemlr 1,887,763 1,887,763 – – – ld¾h idOk ne÷ïlr – – – – – Khjr ,sms 277,937 277,937 134,890 – – fjk;a wiïNdjH whs;u – – – – – fkdf.jQ Kh ne|Sï 1,579,548 1,579,548 559,476 – – fjk;a ne|Sï 736,149 41,545,541 1,552,337 – –

fldgialrejkaf.a ysñlu 9,400,000 9,400,000 – – – ysñlï m%d.aOkh ^m%ldYs; m%d.aOkh&$mjrk ,o

m%d.aOkh – – – – – m%ldYs; m%d.aOkfhka fmdÿ ysñlï ia:r I m%d.aOkhg iqÿiqlï ,nk w.h (CET 1) 9,400,000 9,400,000 – – – m%ldYs; m%d.aOkfhka w;sf¾l ia:r I m%d.aOkhg

iqÿiqlï ,nk w.h (AT 1) – – – – – r|jd.;a bmehSï 4,622,080 – – – – iuqÉÑ; fjk;a úia;S¾K wdodhu 528,430 – – – – fjk;a ixÑ; 29,182,155 39,184,053 – – – uq¿ fldgialrejkaf.a ysñlu 43,732,665 48,584,053 – – –


401



.sKqïlrK iy kshduk ksrdjrKhùï w;r

we;s fjkialï ms<sn| myod §u ^nexl=j&

Y%S ,'uQ'jd'm%' 9 ^úia;r i|yd uQ,H m%ldYk igyka wxl 21 fj;

fhduq jkak& wkqj m%ldYs; uQ,H m%ldYhkays Kh yd w;a;sldrïj,

Odrl jákdlu wfmaCIs; Kh w,dNh hk m%;sm;a;s u; mokïj

ydkslrKhùï i|yd m%;smdokj, hg;a ù we;' kshduk jd¾;dlrKj,

Odrl jákdlu 2008 wxl 4 ork nexl= mkf;a úOdk wkqj mj;sk

w;r Y%S ,xld uy nexl=j fj;ska ksl=;a lrk ,o wdodhï y÷kd.ekSu

iy m%;smdok fjka lsÍï" Kh yd w;a;sldrï j¾.SlrKh ld,Sk$meyer

yeÍï u; mokï fõ' nexl=j Kh yd w;a;sldrï i|yd ydkslrKhùï

;ks ;ksj yd iduQysl jYfhka ;lafiare lrkq ,nhs' ydkslrK §ukdj

by< hk wfmaCIs; Kh w,dN u; mokï fõ' tys§" uQ,H WmlrKj,

b;sß wdhqld,h mqrdjgu isÿjk meyer yeÍfï wjodkfuys fjki

ie,ls,a,g .kq ,efí'

nexl=fõ wdfhdack l<U j¾.SlrKh" ;lafiarelrKh iy fufyhqï

i|yd ks¾foaYs; úplaIKYS,S iïu;hka yd iïnkaO nexl= mk;a

kshuh m%ldrj ,dN fyda w,dN u`.ska idOdrK w.hg y÷kd.;a uQ,H

j;alï iy fjk;a úia;S¾K wdodhï u`.ska idOrK w.hg .Kkh

l< uQ,H j;alï" kshduk jd¾;dlrKh hgf;a fj<|du i|yd ord

isák j;alï f,i j¾.SlrKh lr we;s w;r" WmÑ; fmd,sh fjk;a

j;alï ldKavh hgf;a j¾.SlrKh flf¾' kshduk j¾;dlrKh

hgf;a l%uCIh msrsjeh u; uQ,H j;alï tkï" Kh WmlrK yd

wfkl=;a oE" l,amsfrk f;la ord isák wdfhdack ^nexl= fmd;& f,i

j¾.SlrKh lr we;s w;r WmÑ; fmd,sh fjk;a j;alï ldKavh

hgf;a j¾.SlrKh flf¾' ukskq ,nk Èkg fj<|fmd, md¾Yjlrejka

w;r l%udkql+, .kqfokqjl§ j.lSula udre lr .ekSu i|yd f.ùu

msKsi fyda j;alula úlsKSu i|yd ,efnk ñf,ys fyd|u ;lafiarej"

—idOdrK w.h˜ f,i ks¾jpkh lrkq ,nhs' ms,s.; yels fj<|fmd,

mrdñ;Ska ud,djla yd ;lafiarelrK m%fNaoj, noaOùfuka hï

wjia:djl§ idOdrK w.h blaujQ wkfmaCIs; wúksYaÑ;;d ;j ÿrg;a

W;amdokh l< yelsh' ;lafiarelrK l%ufõo iïnkaOfhka úia;r

i|yd uQ,H m%ldYhkays igyka wxl 55 fj; fhduq jkak'

tfiau" kshduk jd¾;dlrKh hgf;a i,ld nef,k ysñlï fldgia

yer wfkl=;a ish¨ uQ,H WmlrK m%ldYs; uQ,H m%ldYhka j,g jvd

fjkia fõ' ta" Y%S ,'uQ'jd'm%' 9 hgf;a wfmaCIs; w,dN u; mokï jQ

ydkslrK §ukdj m%ldYk wruqKq i|yd ys,õ lr ;sfnk fyhsks'

wod< WmlrKfhysu fjk;a ksÍCIKh l< yels m%j¾;k fj<|fmd,

.kqfokqj, idOdrK w.fhka .kqfokqj, ñ, fjkia jk wjia:dj,§

kshduk jd¾;dlrKhg idfmaCIj Èk 1 fjki Y%S ,'uQ'jd'm%' 9 wkqj

y÷kd.kq ,nhs' Wod( fj<|fmd, fmd,S wkqmd;j,g jvd

wvq fiajl Kh

jHq;amkakjQ l,S fmd,S wkqmd;sl" uQ,H WmlrKj, ñ," fj<| øjH

ñ," úfoaY úksuh wkqmd;sl" Kh wjodkï yd o¾Yl fjkiaùï j,g

m%;spdr jYfhka w.hkays jHq;amkak lrkq ,nk uQ,H WmlrKhkah'

bÈß ñ,lrK wdlD;s Wmfhda.S lr .ksñka fulS jHq;amkak uQ,H

WmlrKj, idOdrK w.hka ;SrKh lrkq ,nhs' jd¾;dlrk Èkg

fulS uQ,H WmlrKj, Ok idOdrK w.hkays fjkiaùï j;alï f,i

jd¾;d lrkq ,nk w;r" iDK idOdrK w.hkayss fjkiaùï j.lSï

f,i jd¾;d lrkq ,nhs' uQ,H m%ldYk igyka wxl 19 ys jHq;amkak

uQ,H WmlrKj, úia;r fy<sorõ lr we;' kshduk jd¾;dlrKfha§

jHq;amkak" fYaI m;%fhka mßndysrj fy<sorõ lrkq ,efí'

m%Odk wjodkï ksrdjrKhùï j,g wod,

wjodkï l<ukdlrKh iy nexl=fõ

wjodkï l<ukdlrK m%fõYh

m%Odk wjodkï ksrdjrKhùï j,g wod, wjodkï l<ukdlrKh

iy nexl=fõ wjodkï l<ukdlrK m%fõYh" wjodkï l<ukdlrK

jd¾;dfjys msgq wxl 194 isg 226 olajd bÈßm;a flfrhs'


402



fy<sorõ lsÍfï wjYH;djh úia;rh msgq wxlh

n,m;%,dNS úfYaIs; nexl=j,g wod<j jd¾Isl uQ,H m%ldYk j, fy<sorõ lsÍï j,g wod< Y%S ,xld uy nexl=j úiska mkjd we;s

wdlD;s j,g wkql+,ùu'

Y%S ,xld uy nexl=j úiska kshu lrk ,o wfkl=;a

fy<sorõ lsÍfï wjYH;djhka

1' uQ,H ;;a;ajh yd ld¾hidOkh i|yd uQ,H WmlrKj,

jeo.;alu ms<sn| f;dr;=re

1'1 uQ,H ;;a;aj ms<sn| m%ldYkh

1'1'1 uQ,H j;alï yd j.lSï j¾. fy<sorõ lsÍï uQ,H m%ldYk j,g igyka(

igyka wxl 15 - ñkqïlrK moku u; uQ,H

WmlrK úYaf,aIKh

289-291

1'1'2 wfkl=;a fy<sorõ lsÍï

¸' ,dN fyda mdvq u.ska idOdrK w.hg .Kkh lsÍu i|yd kïl<

uQ,H j;alï yd j.lSï ms<sn| úfYaI fy<sorõ lsÍï" Kh wjodku yd

fj<|fmd< wjodku" fuu wjodkï i|yd wdfrdams; idOdrK w.fhys

fjkiaùï iy we.hSï l%u hkdosh o fuhg we;=<;a fõ'

ie,lsh hq;= .sKqïlrK m%;sm;a;s(

igyka 2'5'1'4'5 ,dN fyda mdvq u.ska idOdrK

w.hg .Kkh lsÍu i|yd kï l< uQ,H j;alï


w.hg .Kkh lsÍu i|yd kï l< uQ,H j.lSï

265

266

¸¸' uQ,H WmlrK tlska tlg m%;sj¾.SlrKh lsÍu ie,lsh hq;= .sKqïlrK m%;sm;a;s(

igyka 2'5'1'7 uQ,H j;alï iy j.lSï

m%;sj¾.SlrKh

267-268

¸¸¸' iq/l=ï f,i wemhg ;nd we;s uQ,H j;alï ms<sn| f;dr;=re iy iq/l=ï

jYfhka mj;ajdf.k hk uQ,H iy uQ,H fkdjk j;alï ms<sn| f;dr;=re

uQ,H m%ldYk j,g igyka(

igyka wxl 22 - l%uCIh msßjeh i|yd mj;sk

uQ,H j;alï - Kh iy wfkl=;a WmlrK

304-305

¸¹' uQ,H j;alï j¾.j, Kh w,dN i|yd oSukd .sKqu ixikaokh igyka wxl 16 - uqo,a yd uqo,a iudkhka

igyka wxl 18 - nexl=j, we;s ;ekam;=

igyka wxl 21 ^wE& - jir ;=,oS ydkslrKh

ixp,khka ^Kh iy w;a;sldrï&

igyka wxl 22 ^wd& - jir ;=,oS ydkslrKh

ixp,khka ^Kh yd wfkl=;a WmlrK&

292

292

301

305

¹' nyqúO jHq;amkak WmlrK j,ska iukaú; ixhqla;

uQ,H WmlrK ms<sn| f;dr;=re

nexl=j i;=j nyqúO jHq;amkak WmlrK j,ska

iukaú; ixhqla; uQ,H WmlrK fkdue;'

¹¸' Kh .súiqï lvlsÍï ms<sn| fldkafoais ke;

1'2 úia;S¾K wdodhï m%ldYh

1'2'1 wdodhï" úhoï" ,dN yd mdvq whs;u wkdjrKh uQ,H m%ldYk j,g igyka(

igyka wxl 3-13 277-287

1'2'2 wfkl=;a fy<sorõ lsÍï

¸' ,dN fyda mdvq u.ska idOdrK w.hg ñkqï fkdl<

uQ,H WmlrK u; jk uq¿ fmd,S wdodhu yd fmd,S úhou


igyka wxl 4 - Y=oaO fmd,S wdodhu 277-279

¸¸' .dia;= wdodhu yd úhou uQ,H m%ldYk j,g igyka(

igyka wxl 5 - Y=oaO .dia;= iy fldñia wdodhu 279-280

Y%S ,xld uy nexl=j úiska kshu lrk ,o wfkl=;a fy<sorõ lsÍfï wjYH;djhka

403




¸¸¸' uQ,H j;alï ldKavh wkqj ydkslrK w,dN jákdlu uQ,H m%ldYk j,g igyka(

igyka wxl 10 - ydkslrK úhoï 283

¸¹' ydkslrKh jQ uQ,H j;alï u; fmd,S wdodhu uQ,H m%ldYk j,g igyka(

igyka wxl 4 ^w& Y=oaO fmd,S wdodhu 278

1'3 wfkl=;a fy<sorõ lsÍï

1'3'1 uQ,H WmlrK i|yd .sKqïlrK m%;sm;a;s igyka wxl 2'5 ie,lshhq;= .sKqïlrK m%;sm;a;s

- j;alï iy j.lSï y÷kd.ekSu

uQ,H WmlrK

263

1'3'2 ,dN fyda w,dN u.ska idOdrK w.hg .Kkh lsÍu i|yd kï l<

uQ,H j;alï

nexl=j$iuQyh u.ska uQ,H j.lSula ,dN fyda

w,dN u.ska idOdrK w.hg kshu lr ke;'



w.hg .Kkh lsÍu i|yd kï l< uQ,H j.lSï

266

1'3'3 fjk;a úia;S¾K wdodhï u.ska idOdrK w.hg kï l<

ysñlï WmlrK wdfhdack

¸' fjk;a úia;S¾K wdodhï u.ska idOdrK w.hg kï l< ysñlï WmlrK

ms<sn| úia;r iy tfia kï lsÍug fya;=


igyka wxl 23 - fjk;a úia;S¾K wdodhï u.ska

idOdrK w.hg kï l< uQ,H j;alï

305-309

¸¸' fYaIm;% oskg mj;sk wdfhdackhkays idOdrK w.h uQ,H m%ldYk j,g igyka(

igyka wxl 23 ^b& - ,ehsia;=.; wdfhdack

ysñlï iq/l=ï


igyka wxl 23 ^B& - ,ehsia;=.; fkdjk

wdfhdack - ysñlï iq/l=ï

308

309

¸¸¸' ld,mßÉfPaoh ;=,oS y÷kd.;a ,dNdxY" jd¾;d l< ld,mrdih ;=<oS y÷kd

.ekSu" bj;a l< wdfhdack iy fYaIm;% oskg mj;sk wdfhdack


igyka wxl 9 - fjk;a Y=oaO fufyhqï wdodhï 282

¸¹' ld,mßÉfPaoh ;=,oS ysñlï ;=, mj;sk iuqÉÑ; ,dN fyda w,dN udre

lsÍu iy ta i|yd fya;=

wdodhï m%ldYh" úia;SrK wdodhï m%ldYh iy

m%ldYs; m%d.aOk whs;sh iy ixÑ; fjkiaùï

ms<sn| m%ldYh

248-254

¹' ld,mßÉfPaoh ;=<oS fjk;a úia;S¾K wdodhï u.ska idOdrK w.hg kï

l< ysñlï WmlrK wdfhdack y÷kd.ekSu bj;a lsÍu(

- wdfhdack neyer lsÍug fya;=

- y÷kd.ekSu bj;a l, oskg wdfhdackhkays idOdrK w.h

- neyer lsÍfï iuqÉÑ; ,dN fyda w,dN

wdodhï m%ldYh" úia;SrK wdodhï m%ldYh iy

m%ldYs; m%d.aOk whs;sh iy ixÑ; fjkiaùï

ms<sn| m%ldYh

248-254

1'3'4 uQ,H j;alï m%;sj¾.SlrKh

¸' m%;sj¾.SlrKh l< j¾;udk fyda fmr jd¾;d ld,mßÉfPao uQ,H j;alïys

- m%;sj¾.SlrK oskh

- wdh;ksl wdlD;sh fjkiaùu ms<sn| úia;rd;aul meyeos,s lsÍu iy

uQ,H m%ldYkhkag tys n,mEu ms<sn|j m%udKd;aul úia;rh


igyka wxl 52 - Y%S ,xld uQ,H jd¾;dlrK

m%ñ; (SLFRS 09) i|yd ixl%dka;shg meyeos,s

lsÍu

342


404




¸¸' ,dN fyda w,dN u.ska idOdrK w.fhka l%uCIh msßjehg fyda fjk;a

úia;S¾K wdodhï u.ska idOdrK w.hg m%;sj¾.SlrKh lsÍu

- m%;sj¾.SlrK oskg ;SrKh l< iM, fmd,S wkqmd;h

- y÷kd.;a fmd,S wdodhu

ld,mßÉfPaoh ;=,oS nexl=j úiska uQ,H

WmlrKhla fjk;a úia;S¾K wdodhï u.ska

idOdrK w.fhka l%uCIh msßjehg j¾.SlrKh

lr fkdue;'

¸¸¸' fjk;a úia;S¾K wdodhï u.ska idOdrK w.fhka l%uCIh msßjehg fyda

,dN fyda w,dNfha idOdrK w.fhka l%uCIh msßjehg fyda fjk;a

úia;S¾K wdodhï u.ska idOdrK w.hg m%;sj¾.SlrKh i|yd

- fYaIm;% oskg uQ,H j;alïj, idOdrK w.h

- uQ,H j;alï m%;sj¾.SlrKh lr fkdue;s kï ld,mßÉfþoh ;=,oS

,dN fyda w,dN fyda fjk;a úia;S¾K wdodhï ;=< y÷kd.;a idOdrK

w.fha ,dN$w,dN

ld,mßÉfPaoh ;=,oS nexl=j úiska uQ,H WmlrK

,dN fyda w,dNfha idOdrK w.fhka l%uCIh

msßjehg fyda fjk;a úia;S¾K wdodhfï

idOdrK w.hg j¾.SlrKh lr fkdue;'

1'3'5 fycska .sKqï ms<sn| f;dr;=re uQ,H m%ldYk j,g igyka(

igyka wxl 19 - jHq;amkak uQ,H WmlrK 293-295

1'3'6 idOdrK w.hg kï l< ish¿u uQ,H j;alï iy uQ,H j.lSïj, idOdrK

w.hka ms<sn| f;dr;=re my; lreKq iu.

¸' iei|sh yels bosßhg f.khk w.hka uQ,H m%ldYk j,g igyka

igyka wxl 55'4 - uQ,H WmlrKj,

idOdrK w.h

378-379

¸¸' idOdrK w.h ;SrKh l< wdldrh ms<sn| úia;rhla uQ,H m%ldYk j,g igyka(

wxl 2'1'12'2 - uQ,H WmlrKj, idOdrK w.h

igyka wxl 2'3 - idOdrK w.h ñKqïlrKh

igyka wxl 55'2 - idOdrK w.h ;SrKh lsÍu

iy idOdrK w.hkays OQrdj,sh

igyka wxl 55'5 - idOdrK w.h ;SrKh lsÍu

260

262

375-377

379-380

¸¸¸' idOdrK w.h ;SrKh lsÍug Ndú;d l< fhojqïj, uÜgu uQ,H m%ldYk j,g igyka(

igyka wxl 55 - uQ,H WmlrKj,

idOdrK w.h

375-380

¸¹' ^w& idOdrK w.h uekSfï OQrdj,s uÜgï w;r ixp,kh iei|Su'

^wd& f;jk uÜgfï fhojqï fhdodf.k idOdrK w.hg w.h l< uQ,H

WmlrK i|yd jk wu;r fy<sorõ lsÍï

jir ;=< idOdrK w.h uekSfï OQrdj,s uÜgï

j, pxp,khla isÿ ù fkdue;

igyka wxl 55'3 - idOdrK w.h ñKqïlrK

OQrdj,sfha ;,hka w;r ixp,khkays iei`ÿu

378

¹' úYajikSh f,i w.h l< fkdyels idOdrK w.h ms<sn| f;dr;=re uQ,H m%ldYk j,g igyka(

igyka wxl 23 ^B& - ,ehsia;=.; fkdjQ

wdfhdack - ysñlï iq/l=ï

igyka wxl 55'5 - idOdrK w.h ;SrKh

309

379-380

2' uQ,H WmlrKj, iajNdjh yd bka mek k.sk wjodkïj,

m%udKh ms<sn| f;dr;=re

2'1 .=Kd;aul fy<sorõ lsÍu

2'1'1 ish¿u j¾.j, uQ,H WmlrKhkays wjodkï wkdjrKhka uQ,H m%ldYk j,g igyka (

igyka wxl 53 - uQ,H wjodkï l<ukdlrKh

wjodkï l<ukdlrK jd¾;dj

355-372

194-226


405




2'1'2 tu wjodkï l<ukdlrKh i|yd l<ukdldß;ajfha wruqKq"

m%;sm;a;s yd l%shdud¾.

uQ,H m%ldYk j,g igyka (



355-372

194-226

2'1'3 fmr ld,mßÉfPaofha isg fjkiaùï i,ld n,k j¾Ifha ie,lshhq;= m%;sm;a;s

fjkiaùï fkdue;'

2'2 m%udKd;aul fy<sorõ lsÍï

2'2'1 fYaIm;% oskg tla tla wjodkï ms<sn| wkdjrKhkaf.a

m%udKd;aul o;a; idrdxYh




355-372

194-226

2'2'2 Kh wjodku" øjYS,;d wjodku" fj<|fmd< wjodku" fufyhqï

wjodku" fmd,S wkqmd; wjodku ms<sn| fy<sorõ lsÍï yd fuu wjodkï

l<ukdlrKh lrk wdldrh

¸' Kh wjodku

^w& wkdjrKh lrk by<u m%udKh îq/l=ïj, jákdlu wvq lsÍug fmr&

iq/l=ï ms<sn| úia;rhla" ysÕ fyda ydkslrKh fkdjQ uQ,H j;alïj,

Kh .=K;ajh ms<sn| f;dr;=re iy uQ,H j;alïj, Kh .=K;ajh ms<sn|

f;dr;=re


igyka wxl 53'1'1 - Kh .=K;ajh úYaf,aIKh 355-361

^wd& ysÕ fyda ydkslrKh jQ uQ,H j;alïj, ld,mßÉfPaoh ydkslrKh jQ f,i

;SrKh lsÍug i,ld n,k ,o lreKq ish¿u j¾.fha uQ,H j;alïj,

Kh iq/l=ï ms<sn| úia;rhla


igyka wxl 53'1'1 - Kh .=K;ajh úYaf,aIKh 355-361

^we& ,nd.;a fyda weu;+ iq/l=ï fyda fjk;a Kh jeä lsÍï ms<sn| f;dr;=re uQ,H m%ldYk j,g igyka (

igyka wxl 53'1'1 ^wd& - Kh l<U

l<ukdlrKh

357-359

^wE& Kh wjodkï l<ukdlrK Ndú;¦ uQ,H m%ldYk j,g igyka (

- Kh wjodkï l<ukdlrK Ndú; iy wfmaCIs; Kh w,dN y÷kd.ekSu

iy uekSu i|yd fhdod.kq ,nk l%u" Wml,amk iy f;dr;=re we;=¿j

tajd Kh wjodkï l<ukdlrKhg iïnkaO ùu'

igyka wxl 2'5'2'2'3 - wfmaCIs; Kh mdvq

uQ,O¾uhkays o< úYaf,aIKh

igyka wxl 10 - ydkslrK úhoï

270

283

- m%udKd;aul iy .=Kd;aulNdjh ms<sn| f;dr;=re" wfmaCIs; Kh

w,dNfhka mek k.sk uQ,H m%ldYkj, m%udKhka fjkia lsÍu iy

tu fjkiaùï i|yd fya;= oelaùug fya;=


- uQ,sl y÷kd.ekSfuka ie,lsh hq;= f,i uQ,H WmlrKj, Kh w,dNh

jeäù ;sfíoehs nexl=j ;SrKh lrkakd jQ wdldrh

igyka wxl 2'5'2'2'7 - Kh wjodku ie,lsh

hq;= f,i jeäùu

272

- úúO uQ,H WmlrK meyer yeÍï i|yd nexl=fõ ks¾jpk iy tu ks¾jpk

f;dard .ekSu i|yd fya;=

igyka wxl 2'5'2'2'8 - meyer yeÍï iy Kh

ydkslrK j;alï i|yd ks¾jpk

272

- wfmaCIs; Kh w,dNh iduQysl mokula u; ueksh yels kï WmlrK

iuQy.; lrk wdldrh


- uQ,H j;alï Kh wl%Sh njg nexl=j úiska ;SrKh lrkq ,nk wdldrh igyka wxl 2'5'2'2 - uQ,H j;alï ydkslrKh

^fuu m%;sm;a;sh 2019 ckjdß 1 osk isg

wod< fõ&

270

- nexl=fõ Kh lmd yeÍfï m%;sm;a;sh" th whlr .ekSfï idOdrK

wfmaCIdj o we;=,qj

igyka wxl 21 ^wE& - jir ;=< ydkslrK

fjkiaùï

301


406




- fjkia lsÍï wjYH;d wod< lr.kakd wdldrh igyka wxl 2'5'1'9 - uQ,H j;alï iy j.lSï

fjkia lsÍï

269

^b& wfmaCIs; Kh w,dN .Kkh(

- fhojqï moku" Wml,amk iy wfmaCIs; Kh w,dNh weia;fïka;= lsÍfï

fhdod.;a weia;fïka;= Wml%u

igyka wxl 2'5'2'2'4 - wfmaCIs; Kh w,dNh

.Kkh lsÍu

271

- wfmaCIs; Kh w,dN ks¾Kh lsÍu i|yd bÈß oelaula iys; f;dr;=re

wka;¾.; lrkq ,nk wdldrh

igyka wxl 2'5'2'2'6 - bosß oelau iys;

f;dr;=re

272

- jd¾;dlrK ld,mßÑfPaoh ;=,oS weia;fïka;= Wml%u fyda ie,lsh hq;=

Wml,amkhkays fjkiaùï

igyka wxl 2'2' - Y%S ,'.s'm%'39 fjkqjg

Y%S ,'uQ'jd'm%'09 wkq.;ùu iïnkaOfhka

.sKqïlrK m%;sm;a;s iy tfia wkq.;ùï

fy<sorõ lsÍfï fjkiaùï

261

^B& wfmaCIs; Kh w,dN u.ska Wmoskakd jQ jákdlu¦

- tla tla j¾.fha uQ,H WmlrKj, ydkslrK w,dN oSukdfõ wdrïNl iy

wjidk fYaI iei÷u

igyka wxl 16 - uqo,a yd uqo,a iudkhka

igyka wxl 18 - nexl=j, /|jQ uqo,a

igyka wxl 21 ^wE& - jir ;=<oS ydkslrK

fjkiaùï ^Kh iy w;a;sldrï&

292

292

301

- iei÷fï w,dN oSukd fjkiaùug fya;= meyeos,s lsÍu igyka wxl 21 ^wd& - jir ;=<oS ydkslrK

fjkiaùï ^Kh iy wfkl=;a WmlrK&

305

^W& iq/l=ï¦ uQ,H m%ldYk j,g igyka(

- fYaIm;% oskg we;s Kh wjodkug nexl=fõ Wmßu ksrdjrKh igyka wxl 53'1'1 ^w& - uQ,H j;alï ldKavh

wkqj Kh wjodkug we;s Y=oaO ksrdjrKh ùu

355-357

- iq/l=ï wdrCIKhla f,i mj;ajd .ekSu iy wfkl=;a

Kh jeälsÍu ms<sn| úia;rh

igyka wxl 53'1'1 ^wd& - Kh l<U

l<ukdlrKh

357-359

^W!& j;alï lmd yeÍu uQ,H m%ldYk j,g igyka(

igyka wxl 21^wE& - jir ;=<oS ydkslrK

fjkiaùï ^Kh iy w;a;sldrï&

301-303

¸' n,m;%,dNS nexl= i|yd ndi,a III hgf;a m%d.aOk wjYH;d u;

2016 wxl 01 ork nexl= mkf;a ia:ïN III úia;r wkdjrKh lsÍu

wjodkï l<ukdlrK jd¾;dj 194-226

¸¸' øjYS,;d wjodku

^w& uQ,H j.lSï ms<sn| mßK;s úYaf,aIKh uQ,H m%ldYk j,g igyka(

igyka wxl 54 - mßk;s úYaf,aIKh 372-374

^wd& wjodkï l<ukdlrK m%fõYh ms<sn| úia;rh uQ,H m%ldYk j,g igyka(



355-372

194-226

^we& n,m;%,dNS nexl= i|yd ndi,a III hgf;a m%d.aOk wjYH;d u;




407




¸¸¸' fj<|fmd< wjodku

^w& nexl=j ksrdjrKh jk ish¿u j¾.fha fj<|fmd< wjodkïj, ixfõos;d

úYaf,aIKh


igyka wxl 53'3 - fj<|fmd, wjodku


364-366

194-226

^wd& nexl=fõ wjodkï ksrdjrKh ixfõoS;d úYaf,aIKfhka ksrEmkh fkdfõ

kï wu;r f;dr;=re


we& n,m;%,dNS nexl= i|yd ndi,a III hgf;a m%d.aOk wjYH;d u;



¸¹' fufyhqï wjodku

2011 wxl 07 ork nexl= mkf;a n,m;%,dNS nexl= i|yd jQ taldnoaO

wjodkï l<ukdlrK rduqjg wkql+,j isÿlr we;'


¹' nexl=j uqyqKfok ysñlï wjodku

^w& .=Kd;aul fy<sorõ lsÍï

m%d.aOk ,dN n,dfmdfrd;a;= jk iud.ï yd in|;d yd Wmdh ud¾.sl

fya;= we;=¿j fjk;a wruqKq fjkqfjka w;alr.;a iud.ï hk foflys

fldgia ysñlu fjkafldg oelaùï


igyka wxl 23 - fjk;a úia;S¾K wdodhï

u.skaa idOdrK w.hg .Kkh l< uQ,H j;alï

305-309

nexl=j i;= ialkaO ysñlï ms<sn|j ;lafiare lsÍu iy .sKqï ;eîu

wdjrKh lrk jeo.;a m%;sm;a;s ms<sn| úia;rh


igyka wxl 23 - fjk;a úia;S¾K wdodhï

u.skaa idOdrK w.hg .Kkh l< uQ,H j;alï

305-309

^wd& m%udKd;aul fy<sorõ lsÍï

uQ,H ;;a;aj m%ldYkfhys jQ wdfhdack ms<sn| jákdlu fy<slsÍu iy

tu wdfhdack j, idOdrK w.h" ñ, m%ldYs; iq/l=ï i|yd fldgia ñ,

idOdrK w.fhka fndfyda fihska fjkia jk wjia:dj,oS fmdÿ ñ,

m%ldYs; fldgia w.h ms<sn| ixikaokhla isÿ flf¾'


igyka wxl 20 - fjk;a úia;S¾K wdodhï u.skaa

idOdrK w.hg .Kkh l< uQ,H j;alï

igyka wxl 23 - ,dN fyda w,dN u;

y÷kd.;a uQ,H j;alï

296-299

305-309

wdfhdackj, j¾. iy iajNdjh

jd¾;dlrk ld,iSudj ;=<oS úlsKSfuka iy wEjr lsÍfuka we;sjk

iuqÉÑ; ,dN$^w,dN&


igyka wxl 6 - úlsKSfuka ,o Y=oaO

,dN$^w,dN&

igyka wxl 8 - uQ,H wdfhdackj,ska ,o Y=oaO

,dNh$^w,dNh&

281

282

¹¸' nexl= fmdf;ys fmd,S wkqmd; wjodku

^w& .=Kd;aul fy<sorõ lsÍï

nexl= fmdf;ys fmd,S wkqmd; wjodkfï (IRRBB) iajNdjh iy

uQ,sl Wml,amkhka




355-372

194-226


408




^wd& m%udKd;aul fy<sorõ lsÍï

nexl= fmdf;ys fmd,S wkqmd; wjodku uekSu i|yd l<ukdldß;ajh

Ndú;d lrkq ,nk l%uhg wkqj wkqmd;j, WÉPdjpk lïmk ;=<ska

bmehqïj, fyda wd¾:sl w.h ^fyda l<ukdldß;ajh úiska Ndú;d lrkq

,nk iqÿiq l%uhla& wvq jeäùï


2'2'3 wjodkï ixflakaøkh ms<sn| f;dr;=re uQ,H m%ldYk j,g igyka (



355-372

194-226

3' wfkl=;a fy<sorõ lsÍï

3'1 m%d.aOk jHqyh

¸' .=Kd;aul fy<sorõ lsÍï

ish¿u m%d.aOk WmlrKj," úfYaIfhka kjH" ixlS¾K fyda fouqyqka

m%d.aOk WmlrKj, m%Odk ,CIK ms<sn| kshuhka yd fldkafoais

ms<sn| idrdxY.; f;dr;=re

2016 nexl= mkf;a wxl 01 ork ksfhda.fha

Wmf,aLk III g wkqj ndi,a III fy<sorõ lsÍu


389-401

194-226

¸¸' m%udKd;aul fy<sorõ lsÍï

^w& ia:r I m%d.aOkfha w.h my; whs;uhka fjk fjku wkdjrKh lrñka 2016 wxl 01 ork nexl= mkf;a Wmf,aLk III wkqj ndi,a III fy<sorõ lsÍï

389-401

f.jd ksñ fldgia m%d.aOkh$fmdÿ f;d.h

ixÑ;

mßmd,s; iud.ïj, fldgiaj, md,khg hg;a fkdjk ysñlï

ks¾udKYS,S WmlrK

wfkl=;a m%d.aOk WmlrK

ia:r I m%d.aOkfhka wvqlsÍï

^wd& ia:r 2 iy ia:r 3 m%d.aOkfha uq¿ jákdlu

^we& m%d.aOkfhka wfkl=;a wvqlsÍï

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409



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2009 2010 2011 2012 2013 2014 2015 2016 2017 2018

fufyhqï m%;sM,

^re' ñ,shk&

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ixLHdf,aLkd;aul o¾Ylhka 2009-2018

410



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411



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2015

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412



Banca Popolare

Piazza Garibaldi 16 23100, Sondrlom SO, Italy POSOIT22 [email protected] Tel: +390342528111/ +390342528204

Commerzbank German

Commerz bank AG, Kaiser Platz 60311, Frankfurt am Main, Germany COBADEFF www.fi.commerzbank.com Tel: +496913626650

Deutsche Bank

NY Trust Company Americas No. 60, Wall Street, New York, NY 10005, USA BKTRUS33 www.deutsche-bank.com Tel: 12122502500/+1 212 7970291

Deutsche Postbank

AG Friedrich-Ebert-Allee 53113 Bonn, Germany PBNKDEFF www.postbank.de Tel: +114-126, 49 22855005500

Kookmin Bank

9-1, Namdaemunno 2-Ga, Jung-Gu Seoul 100-092 CZNBKRSE www.kbstar.com Tel: +82-(2)-2073-2869

Unicredito Italiano

Piazza Gae Aulenti 3 Tower A20154 Mingerstrasse 20, 54 Milano, Italy UNICRITMM www.unicreditgroup.eu Tel: +390288621/+390288623 340

Woori Bank

S.Korea 1-203, Hoehyeon-dong, Jung-gu, Seoul HVBKKRSE www.wooribank.com Tel: +82-2-2006 5000

DBS Bank, Singapore DBS Bank Limited

2 Changi Business Park Crescent, Lobby A # 04-02, DBS Asia Hub, Singapore 486029 DBSSSGSG www.dbs.com Tel: +65-6-2222200/ +65-6-8789010

Post Finance Bank – Switzerland

Mingerstrasse 20, 3030 Berne, Switzerland POFICHBE Tel: +4184888710

Bank of Tokyo

Mitsubishi Japan 2-7-1, Marunouchi, Chiyoda-ku, Tokyo, 100-8388, Japan BOTKGPJT www.bk.mufg.jp Tel: +81-3-3240-1111

Deutsche Bank AG

Frankfurt – German Deutsche Bank AG, P.O. Box: 60202 Frankfurt am Main, Germany DEUTDEFF www.deutsche-bank.cem Tel: +49 6991000/+49 6991034225

Citi Bank NA

388, Greenwich Street, New York, NY 10013, USA CITIUS33 www.citibank.com Tel: +800-285-3000

Keb Hana Korea

55, Eulji-ro, Jung-gu, Seoul Republic of Korea KOEXKRSE www.hanabank.com Tel: +82-02-2002-1111

wkqrEm nexl=

413



Al Ahalia Exchange

P.O. Box: 35245 Electra Street, Abu Dhabi UAE Tel: +971229666

Al Ansari Exchange

Al Ansari Exchange LLC Al Ansari Business Centre Level 8 UAE Tel: +97143772890/+97143772788

Al Fardan Exchange Qatar

Al Fardan Centre Grand Hamad Avenue P.O. Box: 339, Doha, Qatar Tel: +97444537755

Al Fardan Exchange UAE

P.O. Box: 498, Liwa Street, Abu Dhabi UAEAl Fardan Exchange LLC Regional Management OfficeP.O. Box: 2095, Khalid Bin Walid Road, Burdubai. Dubai UAE Tel: +9712622322

Al Mulla Exchange

P.O. Box: 177 Safat 13002 Kuwait Tel: +96522478250/+22478242

Al Rajhi Bank

Olaya Street, Aqaria 3, Riyadh, 11411, Kingdom of Saudi Arabia www.alrajhibank.com.sa Tel: +96614603333

Al Rostamani

The Maze Tower Level 18 Sheikh Zayed Road, P.O. Box: 10072, Dubai UAE Tel: +97144543200/+97144543284

Al Dar for Exchange Works

Al Dar for Exchange works IBA Building C Ring Doha Qatar

Arabian Exchange

Mercure Grand Hotel (Sofitel Shopping Complex), Ground Floor, Mushaireb Street, P.O. Box: 3535, Doha Qatar Tel: +97444438300

Arab National Bank – KSA

Building King Faysal Street Al Mouraba Area 56921. Saudi Arabia Tel: +966114029000

LuLu Exchange

P.O. Box: 881 Postal Code 112, Ruwi High Street, Muscat, Sultanate of Oman Tel: +97126547019

Bahrain Exchange

Bahrain Exchange Company W.L.L M Floor Al Hajery Building P.O. Box: 29149, Safat 13152 Kuwait Tel: +96522089039/+96522280520

Bahrain Finance Company

(Ez remit is a product of BFC) P.O. Box: 243, 3rd Floor, Bab Al Bahrain Building Manama Bahrain Tel: +97339958195

Bank Al Bilad

Corporate Banking Division P.O. Box: 140 Riyadh 11411 Saudi Arabia Tel: +96692000/002

City Exchange Company

City Exchange Co. LLC, Al wathan Doha Qatar City-Exchange Main Branch and Head Office Tel: +974 4476 9777

City International Exchange

Abdullah Dashti Building Near KPTC Bus Depot., Al Mirqab Abdullah Mubarak Street P.O. Box: 21804 Safat 13079 Kuwait Tel: +9652448507/2441845

Delma Exchange

304, Al Montazah Tower, Zayed the First Street, Khalidiya, Abu Dhabi UAE Tel: +97124915757

Dollarco Exchange Co Limited

P.O. Box: 26270 Safat 13123 Kuwait Tel: +96522412767/22454713

Habib Qatar Exchange

Al Asmakh Building Grand Hamad Street, Doha Qatar Tel: +97444425151/44328853

Index Exchange/Former Habib Exchange UAE

Office 201, 2nd Floor, Sons of Jassim Darwish Building, Zayad 1st Street, Khalidiyah P.O. Box: 2370 Abu Dhabi UAE Tel:+97126272656

Instant Cash

Instant Cash FZE P.O. Box: 3014 Dubai UAE Tel: +971 4 2059000/Ext: 260

Kapruka Pty Limited

2251, Princes Highway, Mulgrave, Australia Tel: +61395445060/95432123

Majan Exchange

P.O. Box: 583 P.C 117 Ruwi Sultanate of Oman Tel: +96824794017/18

National Exchange Company

Via Ferruccio 30,00185 Rome Italia Tel: +390644341221 (Direct)

Oman & UAE Exchange Centre

P.O. Box: 1116 Al Hamriyah P.C.131 Muscat Sultanate of Oman Tel: +96824796533

úfoaY úksuh yqjudre iud.ï

414



Samba Financial Group

P.O. Box: 833 Riyadh 11421 Kingdom of Saudi Arabia Tel: +966112117473/+966112117424

Small World

Parliament House,12 Salamanca Place,London,SE 1 7HB,United KingdomTel: +44 20 7407 1800

Transfast

44 Wall Street, 4th Floor New York NY10005 Trans-Fast GCC 903 Al Thurayya 2 Dubai Media City Dubai UAE Tel: +971 4 4587251

UAE Exchange

UAE Exchange Centre LLC, P.O. Box: 170, 5th Floor, Tamouh Tower (Building No. 12), Marina Square, Al Reem Island, Abu Dhabi, UAE Tel: +97124945406

Unistream

20, Verhnyaya Maskovka Street, Building 2 127083 Moscow Russia Tel: +74955179260

Valutrans

Valutrans SPA Via M.Gioia, 168 20125 Milan Italy Tel: +39 0291431306

Wall Street

Wall Street Exchange Centre LLC 2201 Twin Towers Baniyas Road, Dubai UAE Tel: +97142284889/ +971508764289/ +971504801659

Xpress Money

X Press Money Services Limited. 6th Floor Al Ameri Building TECOM, P.O. Box: 643996 Sheikh Zayad Road, Dubai UAE Tel: +97148186000/ +97148186000/ Ext: 6132/+97148186227

Doha Bank – Qatar

Doha Bank Head Office Tower, Corniche Street West Bay P.O. Box: 3818, Doha, Qatar Tel: +97444257683

Exchange Companies

415



La Banque Postale France 115 Rue de Sevres CP.P210 75275 Paris Cedex 06 France Tel: +33157754947

hqfrdachsfrda idudðl;ajh

416



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oskhg tu jákdlu y÷kd .;

fkdyels tl iudk ,CIKhkaf.

ka hq;= Kh iuQyhla fjkqfjka

iduQysl mokug lrkq ,nk Kh

ydkslrK w.h .Kkh lsÍuhs' Kh

yd w;a;sldrï" Kh wdfhdack l<U

u; w.hkq ,nhs'

ne|shdjka

Kh myiqlï wkqu; l< kuq;a

jd¾;d lrk Èkg fiajd odhlhka

úiska Ndú;d fkdlrk ,o m%udKh'

ixflaøKhùfï wjodku

m%;smd¾Yajfha we;s wiudk jHdma;sh

iy wdfhdack l<U wkdjrKh ù

we;s jHdmdr wxYh fyda N=f.da,Sh

m%foaYh u; cks; jk wjodku'

wiïNdjHhka

wkd.; isoaêhla fyda isoaëka

lsysmhla isÿùu fyda isÿ fkdùu

u; muKla" m%;sM,h ;yjqre

jk fYaIm;% Èkg mj;sk

;;a;ajh$wjia:dj'

wdh;ksl md,kh

ixia:dms; wdh;k md,kh

lsÍug Wmfhda.S lr.kq ,nk

l%shdj,shhs¡ wdh;k l<ukdlrKh

lsÍu yd fufyhùfï§ úOdhl

lghq;= iqmÍCIKh lsÍfï§ iy

whs;slrejkag fukau wfkl=;a

md¾Yajlrejka fj; j.ùfï ld¾hh

bgqlsÍu iïnkaOfhka wêldÍ n,h

l%shd;aul lrkq ,nk wdldrh fuys§

ie,ls,a,g .efka¡

msßjehg wdodhï wkqmd;h

Kh mdvq m%;smdok yereKq fldg

fufyhqï úhoï iy .kqfokq

l<yels iq/l=ïm;aj, w.h my;

jeàï i|yd jk m%;smdok Y=oaO

wdodhfuys m%;sY;hla f,i oelaùu¡

uQ,H iy nexl=lrKhg wod< mdßNdIs; jpk ud,dj


417



msßjeh l%uh

wdfhdackh tys msßjehg jd¾;d.;

lrk .sKqïlrK l%uhls'

wdfhdað;hdf.a iuqÉÑ; Y=oaO

,dNfhka fnodyeÍï ,enqKq m%udKh

olajd muKla wdfhdaclhdf.a wdodhï

m%ldYfha tu wdfhdackfha wdodhu

y÷kd.kS'

Kh fY%aKs.; lsÍï

ixia:dms; wdh;khlg tys Kh

mshùfï yelshdj fyda th meyer

fkdyeÍfï iïNdú;dj iïnkaOfhka

iajdëk fY%aKs.; lsÍfï wdh;khla

úiska isÿ lrkq ,nk we.hSu¡

Kh wjodku

Kh.e;sfhl= fyda wod< md¾Yajhla

úiska .súi.;a fldkafoais m%ldr

lghq;= lsÍug wfmdfydi;aùfuka

mek kÕsk ;;a;ajh" Kh wjodku

ke;fyd;a meyer yeÍfï wjodku

jYfhka ir,j w¾: oelafõ¡

uqo,a yqjudrej (SWAPs) uqo,a tall ;;ald,Sk úksuh f.ùï

l%uh hgf;a ñ,oS .ekSu iy fuu

uqo,a m%udKh tu uqo,a talllfhkau

bosß .súiqï f.ùï l%uh hgf;a

úlsKSu i|yd iu.dñj lghq;= lsÍu

jHjydr uqo,a yqjudrejla fõ'

mdßfNda.sl ;ekam;=

.sKqï ysñhka úiska ;ekam;a lrk

uqo,a fõ' fuu wruqo,a j.lSï f,i

jd¾;d lr we;'

.kqfokq l<yels iq/l=ïm;a

fláld,Skj h<s úlsKSfï woyi

fmroeßj w;am;a lr.;a yd r|jd.;a

wf,ú l< yels iq/l=ïm;a'

Khlr

ixia:dms; wdh;khla úiska

ksl=;a lrk ,o uOHld,Sk Kh

WmlrKhls¡

ú,ïì; nÿ

m%j¾;k uQ,H j¾Ih ;=<§ yer

wfkl=;a uQ,H j¾Ihkays§ f.ùug

isÿjk nÿ fjkqfjka uQ,H m%ldYk

j, fjkalr ;nkq ,nk m%udKh'

CIh lsÍu

j;alul CIh l< yels jákdlu

tys M,odhS cSú; ld,h ;=< úêu;aj

m%;smdokh lsÍu'

y÷kd.ekSu bj;a lsÍu

ñka fmr uQ,H ;;a;ajh ms<sn| m%ldY

j,oS y÷kd.kakd ,o uQ,H j;alï

fyda uQ,H j.lSï fmd;aj,ska bj;a

lsÍu'

meyer yeÍu

Kh fyda fjk;a uQ,H j.lSula i|yd

jQ f.ùï wkql%ufhka fkd,eîu

meyer yeÍuls' Kh iy w;a;sldrï

i|yd jQ f.ùï u.yeÍu" meyer

yeÍu f,i i,lkq ,efí'

jHq;amkakhka

uQ,H WmlrKhla jk w;r" tys ñ,

ta i|yd Ndckh jk j;alï j,

w.h u; ;SrKh fjhs¡

Khjr ,sms

;u .kqfokqlrejka fjkqfjka

úfYaIs; kshuhka iy fldkafoais

hgf;a kshu lr we;s uqo, olajd

nexl=fjka ,nd .ekSug ;=kajk

md¾Yjhla fj; nexl=j úiska n,h

,nd fokakd jQ ,sÅ; fmdfrdkaÿjhs'

cd;Hka;r fj<|dug myiqlï

ie,iSfï wruqKska fuh msysgqjd we;'

foaYSh jYfhka moaO;Suh

jYfhka jeo.;a nexl=

foaYSh jYfhka moaO;Suh jYfhka

jeo.;a nexl= hkq wid¾:l ùug

bv Èh fkdyels úYd, nexl=hs'

fujeks nexl= w¾nqohloS rfÜ ienE

wd¾:slhg w;HjYH nexl= fiajd

wLKavj ,nd.ekSu i|yd w;HjYH

fõ' Y%S ,xld uy nexl=j úiska uq¨

j;alï re' ì,shk 500 g iudk fyda

jeä n,m;%,dNS jdKsc nexl=" foaYSh

jYfhka moaO;Suh jYfhka jeo.;a

nexl= f,i kï lr we;'

idudkH fldgil bmhqu (EPS) idudkH fldgia ysñhka i|yd jQ

,dNh idudkH fldgia .Kkska fn¥

úg ,efnk w.hhs'

wd¾Óluh tl;=l< w.h

M,odhS;dj ms<sn| ñkqula jk w;r"

ta i|yd iuia; wdfhdað; ysñlï

msßjeh ie,ls,a,g .kq ,efí'

iM, nÿ wkqmd;h

n¥ fmr ,dNfhka fnok ,o

nÿ i|yd jk m%;smdok'

iM, fmd,S wkqmd;slh

uQ,H WmlrKj,ska wkd.;fha§

,eìh hq;= uqo,a m%jdyhka fyda

,eîï wfmalaIs; Ôj ld,h ;=< fyda

iqÿiq mßÈ Bg wkqrEm fláld,hla

;=< uQ,H j;alï$j.lSï j, Y=oaO

m%j¾;k w.hg wkqj jÜgï lsÍug

fhdod.kq ,nk fmd,S wkqmd;h¡

ysñlï WmlrK

wdh;kfha j.lSï wvqlr .ekSfuka

miq j;alïj, b;sßj we;s m%udKh'

ysñlï l%uh

wdfhdackh uq,§ msßjehg .sKqï.;

fldg bkamiq we;s jQ fjkialï

u; wdfhdaclhdf.a .sKqïj, Y=oaO

jákdlug$wdfhdaclhdg we;s

ysñlug fjkialï isÿfldg .sKqï

;eîfï l%uhhs¡ wdfhdaclhdf.a ,dNh

fyda w,dNfhka wdfhdað;hdf.a

fldgi wdfhdaclhd úiska we;=,;a

lrkq ,nhs'

ysñlï wjodku

fldgia fj<|fmd, úp,khka fya;=

fldg f.k ysñlï jákdlu laIh

ùug we;s wjodku'

meyer yeÍug ksrdjrKh ùu

fuh jQ l,S .súiqï u; fyda fjk;a

fya;+ka u; f,aLk.; lr we;s uqo,

iy fmd,sh wdmiq f.ùuo we;=¿j

jd¾;d l< oskg miq ksrdjrKhùïys

wfmaCIs; fjkiaùï ie,ls,a,g

.ksñka bosß meyer yeÍï oskloS

ksrdjrKhùfï ;lafiarejhs'

wfmaCIs; Kh w,dN

fuh Y%S ,'uQ'jd'm%' 9 - uQ,H WmlrK

hgf;a mj;sk Kh w,dN ydkslrK

lsÍfï l%uhls' fuh meyer

yeÍfï iïNdú;dj meyer yeÍug

ksrdjrKh ùu" meyer yeÍuloS

isÿúh yels mdvqj f,i jÜgï iys;

ksIamdok fõ' wfmaCIs; Kh w,dN"

wmCImd;S ñkqï jk w;r th ;SrKh

lrkq ,nkafka úh yels m%;sM,

mrdihla ;lafiare lsÍfuks'

úfoaY úksuh ,dNh$w,dNh

úfoaY úksuh .kqfokq isÿjk Èkh$

wjika jd¾;d.; oskh iy mshùï

jd¾;d lrk Èkh w;r úfoaY úksuh

wkqmd; w;r we;s fjki u; úfoaY

úksuh ,dN Wm§' fuh úfoaY uqo,a

fj<odu u;o WmoS'

idOdrK w.h

oekqj;a yd leue;a; olajk

md¾Yajhka w;r isÿjk wf;a ÿßka

.kqfokqjl§ Khla mshùu i|yd

fyda j;alula yqjudrelr .ekSu

i|yd fhdod.; yels w.hhs'

uq,H j;alï

uQ,H j;alï hkq uqo,a" fjk;a

wdh;khl m%d.aOk WmlrK fyda

fjk;a wdh;khl uqo,a fyda fjk;a

uQ,H j;alï ,eîug .súiqï m%ldrj

we;s whs;shhs'

l%uCIh msßjehg .Kkh lrk

,o uQ,H j;alï

j;alu mj;ajd f.k hkq ,nk

jHdmdr wdlD;shla ;=, j;alula

mj;ajd f.k hkq ,efí kï"

fldka;%d;a uqo,a m%jdyhka /ia

lsÍug" j;alï ;nd .ekSu iy uQ,H

j;alfï .súiqï kshuhka kssYaÑ;

oskhla u; mokïj f.jkq ,nk

uqo,a m%jdyhka i|yd f.jkq ,nk

m%d.aOkh iy fkdf.jQ m%d.aOkh

i|yd jQ fmd,Sh'

úia;S¾K wdodhï u.ska idOdrK

w.hg .Kkh l< uQ,H j;alï

fuys úia;S¾K wdodhï u.ska

idOdrK w.hg .Kkh l< Kh iy

ysñlï WmlrK we;=<;a fõ' Kh

WmlrKhla fufia .Kkh lrkq

,nkafka" th fldka;%d;a uqo,a m%jdy

tl;= lsÍu iy uQ,H j;alï úlsKSu

hk folu u.ska jHdmdrfha wdlD;sh

;=, mj;ajdf.k hkq ,nkafka kï

th kshñ; oskg ksYaÑ; oskhka

u; by< hk uqo,a m%jdyhka i|yd

f.jkq ,nk m%d.aOkh iy fkdf.jQ

m%d.aOk i|yd jQ fmd,Sfhks' ysñlï

wdfhdack" úia;S¾K wdodhfï

idOdrK w.hg wksjd¾hfhka

j¾.SlrKh l< yelafla Y%S ,'.s'm%' 32

uQ,H WmlrK m%ñ;fhys ysñlï

ks¾jpkhg wkqj —bosßm;a lsÍu iy

úlsKSug ;nd fkdue;s˜ hgf;ah'


418



,dN fyda w,dN u.ska idOdrK

w.hg .Kkh l< uQ,H j;alï

l%uCIh msßjehg fyda úia;S¾K

wdodhfï idOdrK w.hg j¾.SlrKh

lr fkdue;s ish¨ uQ,H j;alï

fï hg;g .efka' fuh úlsKSug

mj;sk fyda l<ukdlrKhg mj;sk

iy tajdfha ld¾hidOkh idOdrK

w.fha moku u; we.hSug ,la

flf¾' tfukau fïjd r|jd .ekSug

fldka;%d;a uqo,a m%jdy u; tl;=

fkdl< fyda fldka;%d;a uqo,a m%jdy

u; tl;= fkdl< iy úlsKSu

i|yd fkdmj;sk uQ,H j;alï hk

fohdldrfhka mj;sk r|jd.;a uQ,H

j;alï fõ'

uQ,H WmlrK

tla md¾Yajhlg uQ,H j;alula iy

wfkla md¾Yajhg uQ,H j.lSula

fyda ysñlula ckkh lrkq ,nk

.súiquls¡

uQ,H j.lSsu

fjk;a tallhlg uqo,a fyda fjk;a

uq,H j;alula Ndr§ug we;s .súiqï

.; ne`§ula'

wemhg ;nk ,o

mjrd.;a foam,

mQ¾K fyda w¾O jYfhka Kh ;Dma;

lsÍfuka w;am;a lr.kakd ,o foam,'

úfoaY jHjydr uqo,a wjodku

foaYSh úksuh yereKq úg wfkl=;a

úfoaY úksuhka iu. .kqfokq

lsÍfï§ we;sjk wjodku fuys§

ie,fla' úfoaY uqo,a yqjudre

wkqmd;fha wys;lr fjkiaõï u;

úfoaY uqo,ska mj;sk j;alï$j.lSï

j, w.h wvq úh yel'

úfoaY úksuh .súiqï

jHjydr uqo,a tallhla ;j;a uqo,a

tallhla iu. wkd.; Èkhl

j¾;udkfha tlÕjk wkqmd;hg

yqjudre lsÍug fomd¾Yajhla úiska

we;s lr .kakd tlÕ;djhls'

fmdÿ m%;smdok

;ks mqoa., myiqlï u; Kh mdvq

;SrKh l< fkdyels wjia:dj,§

iuqÉÑ; ksrdjrKhùï yuqfõ Kh

yd w;a;sldrï u; wkd.;fha§ isÿ

fj;ehs wfmaCIs; w,dNhka f.jd

oeóu i|yd fjkalr we;s wruqo,a'

iuQyh

iuQyh hkq" mßmd,lh iy tys

ishü mßmd,s;hkah¡

wemùï

Kh f.ùug kshñ; ;eke;af;l=

th mshùug wfmdfydi;a jqjfyd;a

tu j.lSu bgq lsÍug tla md¾Yajhl

^wemlre& fmdfrdkaÿj u; nef|k

ff;%md¾Yaúl .súiquls¡

f.da,Sh jd¾;dlrK uq,msÍï

fuh jHdmdr i|yd WmldÍ jkakd

jQ wka;¾ cd;sl iajdëk m%ñ;

wdh;khla jk w;r fuh jHdmdr"

rdcH iy wfkla ixúOdk i|yd

tajdfha .eg¿ j,g n,mdkakdjQ

foaY.=Ksl úm¾hdi" udkj ysñlï

iy ¥IKh jeks oE f;areï .ekSug

iy ikaksfõokhg WmldÍ

jkakd jQ wka;¾cd;sl iajdëk

m%ñ; wdh;khls' fuh ;sridr

ixj¾Okhla ,nd.ekSug

jHdmdrhg wjYH jkakd jQ

ud¾.h m%j¾Okh lrhs'

bosß /l=ï

wjdisodhl ñ, fjkiaùï ^fmd,S

wkqmd; iy NdKav ñ<& ksid

we;sjkakd jQ wjodku;a tu wjodku

n,meje;afjk .kqfokq wdrlaId

lr .ekSu i|yd fhdod .kakd

l%fudamdhkah'

l,a msfrk f;la ord isák

wdfhdack

l,a msÍu f;la r|jd .ekSfï

wNs,dYh yd yelshdj we;s ksYaÑ;

jákdlula iy ksYaÑ; l,a msÍfï

ld,hla iys; jHq;amkak fkdjk

uQ,H j;alï¡

fj<|du i|yd ord isák uq,H

wdfhdack

flá ld,Skj ^wjqreÿ 1 l

ld,isudjg wvq& h<s úlsKsfï woyi

fmroeßj w;am;a lr .;a Kh iy

ysïlï wdfhdack

.=Kd;aul núka by< øjYS,

j;alï

wd;;s ld,iSudjka ;=< øjYS, yd

Y%S ,xld uy nexl=jg fhda.H ne|Sï

rys; j;alï' ksoiqka f,i uqo,a

yd uy nexl=j yd uOHu nexl= u;

ysñlï óg we;=<;ah'

wNHka;r m%d.aOk

m%udKd;aul;d ;lafiare

l%shdj,sh (ICCAP) mj;sk nexl=lrK wjodkï i|yd

wu;r m%d.aOkhla fhduq lrk

njg nexl=j úiska iy;sl ùfï

l%shdj,shhs'

ydkslrKh

j;alula u.ska whlr .; yels uqo,a

m%udKh" tys m%j¾;k w.hg jvd

wvqjQ úg Woa.; jk ;;a;ajhls¡

ydkslrKhg .e,mSï isÿlrk

,o j;alï l<U

;ksj .;al< jeo.;a jk"

ydkslrKh i|yd .e,mSï isÿlrk

,o Kh l<U yd ;ksj .;al<

jeo.;a fkdjk kuq;a osk 180 g

jeäld,hla f.ùï meyer yßk ,ÿj

we;s Kh l<U fï kñka ye|skafõ¡

ydkslrKh i|yd jQ §ukdj

is¥ù we;s w,dNhla fjkqfjka uQ,H

;;a;aj m%ldYkfha oskg ,dNfhka

isÿlrk fjka lsÍuls¡ fuh ;ksj

fyda iduQyslj y÷kd.kq ,nhs¡

ydkslrK .diA;=$kej; whùï

j;alulska cks; jk wkd.; jÜgï

l< uqo,a m%jdyhkaf.a iy j;alfï

j¾;udk jákdlu w;r fjki'

ydkslrK Kh

iud.ï úiska .súiqï mßÈ ,eìh

hq;= Kh uqo,a m%udK ish,a, tl;=

lsÍug n,dfmdfrd;a;= fkdjk fyda

tu Kh uqo,a m%jdy .súiqï m%ldr

Èkhg miq Èkhl§ tl;= lsÍug

n,dfmdfrd;a;= ùu'

flaj, ydkslrKh

;ks ;ksj .;a l, ie,lsh hq;=

.sKqï iy iduQysl ydkslrKhg

wh;a fkdjk ish¨ .sKqï w,dNh

i|yd fld;rï ÿrg wkdjrKh

jkjdo hkak ;lafiare lsÍu'

wiamDYH j;alï

wiamDYH j;alula hkq fN!;sluh

;;a;ajhla fkdue;s y÷kd.; yels

j;aluls' wdh;ksl nqoaêuh foam,

^WodyrK f,i" fmagkaÜ n,m;%h"

mqrialdrh" fj<| ,l=K" jHdmdr

mámdá&" ysñlï" lS¾;skduh" fj<|

kduh wdÈh j¾;udk fmdÿ wiamDYH

j;alï .Khg wh;a fõ'

wúksYaÑ; fmd,S

wl%Sh Kh yd w;a;sldrï u; we;sjk

fmd,S'

fmd,S wkqmd; wjodku

uq,H idOk m;%hl idOdrK

jákdlu fyda wkd.; uqo,a m%jdy

fj<|fmd< fmd,Ss wkqmd;j,

fjkiaùï fya;=fjka WÉpdjpkh

úfï wjodku'

fmd,S jHdma;sh

fmd,S wkqmd;sl" úksuh wkqmd;sl"

Kh jHdma;s iy fjk;a j;alï ñ,

jeks úp,Hhka ksid fmd,S Wmhk

j;alï yd fmd,S iys; j.lSï u;

Wmhk ,o fmd,S wkqmd;slfhys

idudkHh yd f.jk ,o fmd,S

wkqmd;slfhys idudkHh w;r

we;s fjki ksrEmKh lrhs¡


419



wdfhdack foam,

Ndú;hg fyda úlsKSug yer yqfola

nÿ l=,s bmhSug fyda m%d.aOk

jákdlu jeäùu fyda folu i|yd

^whs;slre úiska fyda uq,H l,anÿ

hgf;a nÿ .ekqïlre õiska& ;nd

f.k we;s foam, ^bvï fyda

f.dvke.s,a,la" f.dvke.s,a,lska

fldgila fyda ta folu& fõ'

wdfhdack iq/l=ïm;a

m%d.aOk j¾Ok wruqKq i|yd w;am;a

lr.;a yd r|jd.;a iy idudkHfhka

l,amsÍu f;la r|jd.kakd

iq/l=ïm;a'

fmd,S wkqmd; yqjudre

ksYaÑ; uq,a uqo,la u; mokïj

tla bosß fmd,S f.ùï m%jdyhla

;j;a bosß fmd,S f.ùï m%jdyhlg

yqjudre ùug wod< md¾Yaj 2 la w;r

tlÕ;dj'

m%Odk l<ukdlrK msßi

wOHCIjrekao we;=¿j wdh;khl

l%shdldrlï iDcqj fyda jl%dldrj

ie,iqïlrKh" fufyhùu iy

md,kh i|yd wêldrh iy j.lSï

ork mqoa.,hskah'

f;da,k wkqmd;h

fuh ia:r I m%d.aOkh yd uq¿

ksrdjrKh ùï w;r wkqmd;h

ñkSula fõ' fYaIm;%.; yd

fYaIm;%.; fkdjk whs;u yd

jHq;amkak uq¿ ksrdjrKùï j,g

wh;a w;r ksrdjrKhùï tys

.sKqïlrK ñkqï wkqj mej;sh

hq;=h' wjodkï u; mokï jQ m%d.aOk

wjYH;d i|yd nexl= lafIa;%h ;=<

w;sf¾l f;da,khka f.dvke.Su

iSud lsÍu fuu w;sf¾l ñkqï u.ska

wfmaCIs;h'

øjYS, j;alï

uqo,a f,i r|jd.kakd ,o fyda

fjk;a nexl=j, ;ekam;=" úksuh

ì,am;a iy NdKavd.dr ì,am;a jeks

myiqfjka uqo,a njg m;a l<yels

wdldrfhka mj;sk j;alï fï u.ska

olajd we;'

øjYs, j;alï wkqmd;h

uy nexl=j úiska m%ldYs; mßÈ uqo,a

fyda myiqfjka uqo,a njg mßj¾;kh

l< yels wdldrfhka mj;sk

j;alï" wiïNdjH j.lsïo we;=¿j

uq¿ j.lSï j,ska fn§fuka fuu

wkqmd;h ,nd.efka'

Ôjld, wfmaCIs; Kh mdvq

uQ,H WmlrKhl wfmaCIs; cSj

ld,h ;=< we;s úh yels ish¨

meyer yeÍïj, m%;sM, f,i mek

kÕsk wfmaCIs; Kh mdvq' —uQ,H

WmlrK˜ ms<sn| Y%S ,'uQ'jd'm%' 9 g

wkqj" uQ,drïNfha mgka Kh mdvqj,

ie,lsh hq;= j¾Okhla fkdue;s

úgl§ yer wfmaCIs; Kh mdvq

§ukdj" Ôjld, wfmaCIs; Kh

mdvq u; mokï úh hq;=h'

øjYs,;d wdjrK wkqmd;h

bosß osk 30 ;=< we;=,; msg;g

.,dhk Y=oaO uqo,a j,g idfmaCIj

nexl=j úiska mj;ajdf.k hkq ,nk

by< .=Kd;aulNdjhlska hqla;

øjYS,;d j;alï j, wkqmd;hhs'

fuu by< .=Kd;aulNdjhlska hqla;

øjYS, j;alï wjysr;d fkdue;s

wd;;s wjia:d j,oS fj<|fmdf<ys

øjYS,;djfhka hq;= iy mQ¾K

jYfhka uy nexl= iqÿiqlï we;s tajd

úh hq;=h'

øjYS,;d wjodku

tallhla úiska uQ,H j.lSu iïnkaO

ne|Sï imqrd,Su i|yd uqyqK mEug

isÿ jk ÿIalr;djh ms<sn| wjodku'

Kh iy ,eìh hq;= oE

fj<|fmdf<a§ jákdlula ;SrKh ù

fkdue;s idïm%odhsl Kh j;alïh'

^Wmojk ,o fyda w;am;a lr.;a&'

f.ùï meyer yeÍu ksid

we;sjk mdvqj

Kh.e;shd f.ùï meyer yeÍu ksid

Kh ysñhdg isÿjk w,dNh uq¿

uqof,ys m%;sY;hla f,i oelaùu¡

Khg jákdlï wkqmd;h

uq,a Wlia whs;sfhys jákdlu" ienE

foam<l iuia; we.hqï jákdlfuys

m%;sY;hla f,i .Ks;uh

wkqidrfhka bosßm;a lsÍu' Kh

i|yd fhda.H wjodkï uÜgu ;SrKh

lsÍfuys ,d Khg jákdlï wkqmd;

m%;sY;h Ndú;d flfrk w;r"

tu.ska Khlreg ,nd fok Kfhys

ksjeros ñ, ;SrKh l< yels fõ'

fj<|fmd< wjodku

fmd,S wkqmd;" úksuh wkqmd;"

Kh jHdma;sh iy fjk;a j;alï

ñ, wd§ fj<|fmd< úp,Hhkaf.a

fjkiaùu fya;=fldgf.k uQ,H

WmlrKhkays w.h fjkiaùu u;

w,dN we;sùfï yelshdj¡

m%udKd;aul nj

hï .kqfokqjl fyda isÿùul

idfmaCI jeo.;alu fyda hï

.kqfokqjla fyda isÿùula uÕyeÍu

fyda wjm%ldYhùu uQ,H m%ldYk

m%fhdackhg .kakd md¾Yajhkaf.a

;SrK .ekSfï l%shdj,shg ndOdjla

isÿ lrkafka kï th m%udKd;aul

.kqfokqjls¡

Y=oaO fmd,S wdodhu

wdfhdack l<ôka ,o fmd,S wdodhu

iy ;ekam;= u; f.jk ,o fmd,S

w;r we;s fjki'

Y=oaO fmd,S wdka;slh

fmd,S Wmhk idudkH j;alï j,ska

fnok ,o wdka;slh" Y=oaO fmd,S

wdodhu f,i y÷kajhs'

wl%Sh Kh

;=kauilg jvd jeä ld,hla

fkdf.jk ,o Kh'

fkdiafg%d .sKqï

foaYSh nexl=jla úiska úfoaYSh

rgl tu rfgys jHjydr uqo,ska

mj;ajdf.k hkq ,nk nexl= .sKquls'

wl%Sh Kh wkqmd;h

iuia; wl%Sh Kh yd w;a;sldrï

m%udKh" iuia; Kh yd w;a;sldrï

l<ôka fnok ,o úg ,efnk

wkqmd;h'

Y=oaO ia:djr wruqo,a wkqmd;h

wd;;s wjia:djla Wml,amkh

lrñka" wjYH ia:djr wruqo,a j,g

idfmaCIj m%fhdackh i|yd we;s

wruqo,a j, wkqmd;hhs' ysñlï

m%d.aOkh" wjqreoaolg jeä ld,hla

iys; jrKSh fldgia iy jirlg

jeä ld,hla f,i ;lafiare

lrk ,o j.lSï hkdoS whs;uhka

m%fhdackhg .; yels wruqo,a

j,g we;=,;a fõ' ndi,a III fldkafoais j,g wkqj 2018 isg

fuu wkqmd;h 100] úh hq;=h'

wfmaCId fkdl, isÿùï j, m%;súmdl

wduka;%Kh lsÍu i|yd Y=oaO wruqo,a

wdjrK wkqmd;h ;ju;a ksÍlaIK

wjêfhys mj;S'

uQ,H ;;a;ajh ms<sn|

m%ldYkfhka mßndysr jQ .kqfokq

uQ,H ;;a;ajh ms<sn| m%ldYkfha

oskg y÷kd fkd.;a kuq;a

wiïNdjHhka fyda j.lSï

cks;jkakd jQ j;alï fyda

j.lSï fï kñka ye|skafõ¡

fufyhqï wjodku

m%udKj;a fkdjk yd wid¾:l

wNHka;r l%shdj,Ska" mqoa.,hka iy

moaO;Ska fyda ndysr is¥ùï ksid

we;sjk wjodku¡

újD; Kh ksrdjrK wkqmd;h

uq¿ Y=oaO wl%sh Kh iy w;a;sldrï"

kshduk m%d.aOkfhys m%;sY;hla

f,i ±laùu fuu wkqmd;hhs'

mßmd,lh

mßmd,lh hkq tla mßmd,l

iud.ula fyda Bg jeäfhka w;s

wdh;khls'

l<U

rdcH iq/l=ï" Kh yd w;a;sldrï"

idudkH fldgia we;=¿ wdfhdack

ixÑ;hls'

meyer yeÍfï iïNdú;dj

hï j.lSulg ne|S isák ;eke;a;d

tu j.lSu meyer yerSug we;s

yelshdj iïnkaOfhka iEu

.Kqfokqlrefjla ms<sn|ju isÿ

flfrk wNHka;r ;lafiarejls'


420



fjkalsÍï wdjrKh

wls%h Kh yd w;a;sldrï i|yd

jÜgï lsrSug m%:u Y=oaO wls%h Kh

yd w;a;sldrï j, m%;sY;hla f,i

m%ldY flfrk Kh w,dN i|yd jk

iuia; fjkalsÍïh'

m%lafIams; Kh tall l%ufõoh

wjidk j.lSu f.dvke.Su i|yd

fiajdjg wod< tla tla ld,

mrsÉfþoh úiska wu;r m%;s,dN

tallhla cks; lrkq ,nk nj

iy;sl lrk wdhq.Kl ;lafiare

l%ufõohls' wúksYaÑ; ;;a;ajhka

hgf;a ;lafiare lsrSfuys,d wjYH

;SrK .ekSfïoS hï uÜgul fyda

wjOdkhla mj;ajd.ekSu u.ska

j;alï fyda wdodhï jeäfhka

m%ldYùu iy j.lSï fyda úhoï

wvqfjka m%ldYùu isÿ fkdjkq we;'

idudkH j;alï u; wdodhu

idudkH j;alï j, m%;sY;hla

f,i m%ldYs; nÿ miq ,dNh'

idudkH ysñlï u; wdodhu

idudkH fldgia ysñhkaf.a

fldgia j, m%;sY;hla f,i

m%ldYs; ysñlrejka fj; ,eìh

hq;= Y=oaO ,dNh'

iïnkaê; md¾Yjhka

uQ,H fyda fufyhqï ;SrK

.ekSfuys,d iDcqj fyda jl%j tla

md¾Yjhlg wfkla md¾Yjh md,kh

lsrSfï fyda tu md¾Yjh flfrys

ie,lsh hq;= wdldrfha n,mEula we;s

lsÍfï yelshdj iys; md¾Yjhka'

iïnkaê; md¾Yjhkaf.a

.kqfokq

uqo,a whlsÍu fkdi<ld" jd¾;dlrK

wdh;kh iy iïnkaê; md¾Yajhka

w;r iïm;a" fiajd fyda ne¢ï

yqjudre ùuhs'

m%;sñ,§ .ekSï .súiqï

fmd,sh iuÕ ia:djr ñ,la"

hgf;a miq Èkhl wdmiq ñ,§

.ekSfï wruqfKka .eKqïlrejka

fj; wf,ú lrk iq/l=ï'

m%;súl=Kqï .súiqï

nexl=jla fyda .kqfokqlrefjla

úiska iq/l=ï ñ,g f.k ksYaÑ;

ñ,la hgf;a miq osfkl wf,úlre

fj; iq/l=ï wdmiq wf,ú lsÍug

wod< .kqfokqjls'

wdodhï ixÑ;

wkd.;fha§ fnodyeÍu iy

wdfhdackh i|yd fjka lr

;efnk ixÑ;'

wjodku u; nr ;enQ j;alï

uQ,H ;;a;aj m%ldYh wkqj j;alï

j, w.h iy uQ,H ;;a;aj m%ldYfha

i|yka fkdjk yd wod< wjodkï

u; nr ;enQ idOl j,ska .=Klrk

,o j;alï j,g iujk Kh w.h'

remsh,a Kh

YS% ,xld rch fjkqfjka YS% ,xld

uy nexl=j úiska ksl=;a lrkq ,nk

remsh,a iq/l=ï'

fldgiaysñlrejkaf.a wruqo,a

1988 wxl 30 ork nexl= mkf;a

úêúOdk m%ldrj ilia lrk ,o

m%d.aOk ixÑ;hls'

Kh wjodkfï ie,lsh hq;=

f,i by<hdu

YS% ,xld uQ,H jd¾;dlrK m%ñ;s 9

wkqj m%:u jrg y÷kajd§fuka miq

hï uQ,H WmlrKhlg wod<j

wdmiq f.ùu meyer yeÍfï wjodku

ie,lsh hq;= wdldrfhka by<

f.dia ;sfío hkak hï wdh;khla

úiska ;lafiare lrkq ,eìh hq;=h'

.súiqï.; f.ùï Èk 30 la miqjk

úg;a fkdf.ù kï m%:u jrg

y÷kajd§fuka miq hï uQ,H j;alula

wdY%s; Kh wjodku ie,lsh hq;=

f,i by< f.dia we;s njg ì|

fy<sh fkdyels mQ¾j ks.ukhla

iïu;fha mj;S'

uq,a uqo, yd fmd,Sh f.ùï

muKla mÍlaIdj

(Solely Payments of Principal and Capital – SPPI)Kh j¾.SlrK ls%hdj,sfha fojk

woshr f,i fuu mÍlaIdj isÿ

flf¾' m%:u jrg y÷kajd§fï§

uQ,H j;alul idOdrK w.h

—uq,a uqo,˜ f,i ks¾jpkh flfrk

w;r uq,a uqo, wdmiq f.ùu fyda

jdßlh fyda jÜgu l%ulaIh ùu

fya;=fjka th fjkiaúh yelsh'

uqof,a ld,Sk jákdlu iy uqo,a

uqof,ka fkdf.jQ fldgi wdYs%;

Kh wjodku i|yd jk ie,ls,a,

—fmd,Sh˜ f,i ks¾jpkh flf¾'

hï uQ,H WmlrKhla fuu mÍlaIdj

iu;aùfuka miq th —/ialssÍu i|yd

r|jd.;a˜ jHdmdßl wdlD;shg

wkql+, fõ kï l%ulaIhjQ msrsjeh

u; j¾.SlrKh flfrk w;r

th —/ialsÍu iy wf,úh i|yd

r|jd.;a˜ jHdmdßl wdlD;shg

wkql+,fõ kï fjk;a úia;SrK

wdodhï Tiafia ;lafiare lrk ,o

idOdrK jákdlï u; j¾.SlrKh

flf¾' hï uQ,H WmlrKhla

fuu mÍlaIdj wiu;ajqjfyd;a th

iïmQ¾Kfhkau ,dN fyda w,dN

u; ;lafiare lrk ,o idOdrK

jákdlu u; j¾.SlrKh l< hq;=h'

jHjia:dms; ixÑ; wruqo,

1988 wxl 30 ork nexl= mkf;a

úêúOdk m%ldrj ilia lrk ,o

m%d.aOk ixÑ;hls'

hg;ald,Sk j.lSï

nqkaj;aùul§ fyda wEjr lsÍuloS

uQ,H WmlrK ksl=;alrkakd úiska

fjk;a Khysñhkag f.úh hq;= uqo,a

f.ùfuka miq fYaI jk j.lSï'

wd;;s mÍlaIdj

úúO W.%;d iys; mqfrdal;kh

fkdl< ;;a;ajhka ord.ekSug

nexl=jg yelshdj ;sfío hkak

úúO uÜgï j,ska fmkakqï lrk

taldnoaO mÍlaIdjls'

mßmd,s;h

tla wdh;khla úiska md,kh

lrkq ,nk ;j;a wdh;khla'

iajrEmhg jvd h:d;;a;ajh

.kqfokq j,g wod< uQ,H m%ldYk

j, wka;¾.; .sKqïlrK fh§u

iy bÈßm;a lsÍu yqfola ffk;sl

wdlD;sh muKla fkdj tajdfha

wka;¾.;h iy uQ,H h:d¾:ho

ksrEmKh l< hq;=h'

yqjudre ûqo,a taall&

ia:dkSh f.ùï i|yd hï uqo,a tall

m%udKhla tljr ñ,§.ekSu iy

bÈß f.ùï i|yd tu uqo,a tallfha

tu m%udKhu wf,ú lsÍu' tfia

fkdue;skï" hï uqo,a tallhla

ia:dkSh wf,úh iy bosrsh i|yd

ñ,g .ekSu'

iaa:r I m%d.aOkh

idudkH fldgia ia:r I m%d.aOkh

iy w;sf¾l ia:r I m%d.aOkh hk

idOl j,ska iukaú; kshduk

m%d.aOkfha tla wx.hls' nexl=fõ

uQ,H Yla;sh uksk m%Odk ñkqu

ia:djr fldgia ysñhkaf.a iufldgia

iy r|jd.;a bmhSï yd fjk;a

w;sßla; úi¾ckh lsÍu Tiafia

ks¾udKh lrk ,o fyda by<

kxjk ,o ixÑ; ksfhdackh lrhs'

iaa:r II m%d.aOkh

iaa:r II m%d.aOkh kej; ;lafiare

lsrSfï m%;s,dN" idudkH úêúOdk

iy WmÑ; ld,Sk Kh jeks

iufldgia yd Kh wdYs%; we;eï

,laIK ixfhda.jQ fjk;a m%d.aOk

fuj,ï ksfhdackh lrhs'

iuia; m%d.aOkh

iuia; m%d.aOkh hkq iaa:r I m%d.aOkh iy iaa:r II m%d.aOkh

hk idOl foflys tl;=jhs'


421



NdKavd.dr ì,am;a

YS% ,xld rch fjkqfjka Ys% ,xld uy

nexl=j úiska fjkafoais mokula u;

ksl=;a lrkq ,nk flá ld,Sk Kh

WmlrKhls'

NdKavd.dr ne÷ïlr

YS% ,xld rch fjkqfjka YS% ,xld uy

nexl=j úiska fjkafoais mokula u;

ksl=;a lrkq ,nk È.= ld,Sk Kh

WmlrKhls'

udi 12l ld,h i|yd

wfmalaIs; Kh w,dN

jd¾;d lrk ,o oskg miq t<fUk

udi 12 we;=<; we;súh yels hï

uQ,H WmlrKhla wdYs%; f.ùu

meyer yeÍfï isÿùï fya;=fjka mek

ke.sh yels wfmalaIs; Kh w,dN

ksfhdackh lrk mQ¾K ld,Sk

Kh w,dN j, fldgi'

tall Ndr

tall Tmamqjlg wod, j.ka;s

hgf;a iq/l=ï j, wdfhdackh

lsrSu i|yd Ndr.ekSu'

m%fhdackj;a Ôj ld,h

hï wdh;khla úiska hï j;alula

m%fhdackhg .ekSu msKsi iQodkï

lrkq ,eîug .; fõ hehs wfmalaIs;

ld, iSudj fyda hï wdh;khla

fj;ska hï j;alula ,nd.kakd njg

wfmalaIs; ksuejqï ixLHdj fyda Bg

iudk tall ixLHdj'

tl;= l< jákdlï

nexl= yd fjk;a fiajd iemhSu

Tiafia" tu fiajd iemhSu i|yd ork

,o msßjeh wvq lsÍfuka miq ckkhjQ

Okh' tl;= l< jákdlï fiajlhka

yd m%d.aOk iemhqïlrejka i|yd

fukau mq¿,a lsÍu iy j¾Okh i|yd

r|jd.;a iy nÿ f,i rch i|ydo

fjka flf¾'

wjodkfï§ jákdlu

fj<|fmd, wjodkï idOl wdYs%;

wys;lr úp,k j, m%;sM,hla f,i

we;sjk wjodkï ;;a;aj fya;=fjka

cks; jk w,dN ;lafiare lsÍu

i|yd fhdod.kakd l%ufõohls'

l,amsÍfï M,od wkqmd;h

wkd.; uqo,a m%jdyhkaf.a j¾;udk

jákdlu" iq/l=ï j, j;auka ñ,

iu. iudk jk jÜgï wkqmd;slh'

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