;"of{ nfOkm OG:of]/]G; sDkgL lnld6]8 ;"of{ nfOkm OG:of]/]G; sDkgL lnld6]8Surya Life Insurance Company LimitedSurya Life Insurance Company Limited
tkfO{sf] eljio, xfd|f] cleef/f
Annual Report 2013/2014jflif{s k|ltj]bg @)&)÷@)&!
Your Future, Our ResponsibilityYour Future, Our Responsibility
>L /fdafa' kGt
;+rfns ;ldlt cWoIf >L /fdafa' kGt g]kfn /fi6« a}+ssf k"j{ 8]k'6L ue{g/ /xg' ePsf] / a}+lsË If]qsf]
nfdf] cg'ej xfl;n ug'{ ePsf] JolQmTj x'g'x'G5 . pxfF xfn cfO{=l;=Pkm=l;= ljlQo ;+:yfsf] k|d'v
sfo{sf/L clws[t kbdf sfo{/t /x'g'ePsf] 5 .
>L dx]z s'df/ cu|jfn
;+rfns >L dx]z s'df/ cu|jfn cGt/fli6«o Jofkf/df #$ aif{sf] cg'ej ePsf] JolQmTj x'g'x'G5 .
pxfF ljhok'/ Ph's];g kmfp08];g w/fgsf] k|aGw lgb]{zs, g]kfn lzIff ;]jf sDkgL k|f=ln=sf] ;+rfns
x'g'x'G5 . cf]e/l;h ODk]S; 6«]l8Ëdf k|f]k|fO{6/ /xg' ePsf pxfF Jofkf/ Joj;fosf] If]qdf cgj/t
lqmoflzn x'g'x'G5 .
>L x]dGt gfxf6f
;+rfns >L x]dGt gfxf6f Jofkf/ Joj;fosf] If]qsf] ;lqmo JolQmTj x'g'x'G5 . xlg OG6/k|fOh]h k|f=ln=
nufotsf sDkgLdf cfj4 /xg' ePsf >L gfxf6f s}nfz ljsf; a}+ssf] ;+rfns /lx;Sg' ePsf] 5 .
pxfF Jofkf/ Joj;fodf lg/Gt/ ;+nUg x'g'x'G5 .
>L lagf]b s'df/ Kofs'/]n
;+rfns >L lagf]b s'df/ Kofs'/]n a}+lsË If]qdf nfdf] cg'ej ePsf] JolQmTj x'g'x'G5 . pxfFn] g]kfn a}+s
lnld6]8df #@ aif{ ;]jf/t /xL k|aGws kbaf6 cjsf; k|fKt ug'{ ePsf] lyof] . pxfF xfn PgcfO{l; Plzof
a}+s lnld6]8df ;+rfns /xg' ePsf] 5 .
>L u+uf k|;fb zdf{
:jtGq ;+rfns >L u+uf k|;fb zdf{ ;/sf/L ;]jfdf @* aif{ nfdf] ;do sfo{/t /x]sf] JolQmTj x'g'x'G5 .
g]kfn ;/sf/sf] cy{dGqfno cGtu{tsf laleGg lgsfodf ;]jf/t /xg' ePsf pxfF pk–;lrj kbdf /xL
sfo{/t /xg' ePsf] lyof] . ;]jf cjlwdf x]6f}8f l;d]G6sf] ;+rfns /lx;Sg' ePsf pxfF cfly{s If]qdf
bVvn /fVg] JolQmTj x'g'x'G5 .
>L lzjl;+x sfsL{
;+rfns >L lzjl;+x sfsL{ s~rg 8]enkd]G6 a}+ssf cWoIf x'g'x'G5 . pxfF nfdf] ;dob]lv Jofkf/
Joj;fosf] If]qdf lg/Gt/ ?kdf ;lqmo /xFb} cfpg'ePsf] 5 .
;+rfns ;ldlt;+rfns ;ldlt
tkfO{+sf] eljio xfd|f] cleef/f
Annual Report 2013/2014jflif{s k|ltj]bg @)&)÷@)&!
ljifo ;"rL
qm=;+= ljj/0f k]h g+=
!= ;ftf}+ jflif{s ;fwf/0f ;efsf] ;"rgf !
@= ;fwf/0f ;ef ;DaGwL ;fdfGo hfgsf/L @
#= k|f]S;L kmf/fd #
$= cWoIfHo"sf] dGtJo %
%= ;+rfns ;ldltsf] k|ltj]bg &
^= lwtf]kq lgisfzg lgb{]lzsf @)^% sf] bkmf @* cg';f/sf] ljj/0f !@
&= cfly{s jif{ @)&)÷)&! sf] n]vfkl/Ifssf] k|ltj]bg !$
*= cfly{s jif{ @)&)÷)&! sf] ljlQo ljj/0f !^
(= ljlQo ljj/0f :jLs[t kq %@
!) tLg dxn] ljj/0f %%
1tkfO{+sf] eljio xfd|f] cleef/f
Annual Report 2013/2014jflif{s k|ltj]bg @)&)÷@)&!
;"of{ nfOkm OG:of]/]G; sDkgL lnld6]8/lhi68{ sfof{noM lj/f6gu/, df]/Ë
skf]{/]6 sfof{noM rf}yf] tNnf, rf6{8{ 6fj/, ;fgf]uf}r/g, 1fg]Zj/, sf7df08f}+ Email: [email protected]
;ftf}}+ aflif{s ;fwf/0f ;ef ;DaGwL ;"rgf-Kf|yd k6s ;"rgf k|sflzt ldltM @)&@.)%.@* ut]_
o; sDkgLsf] ldlt @)&@÷)%÷++@% ut] z'qmaf/ -tb\g';f/ !! ;]K6]Da/ @)!%_ a;]sf] ;+rfns ;ldltsf] !$& cf}+ a}7ssf]
lg0f{ofg';f/ sDkgLsf] ;ftf} aflif{s ;fwf/0f ;ef lgDg ldlt, :yfg / ;dodf lgDg lnlvt ljifox? pk/ 5nkmn tyf
lg0f{o ug{ a:g] ePsf] x'Fbf ;Dk"0f{ z]o/wgL dxfg'efjx?sf] pkl:yltsf] nflu cg'/f]w ub{5' .
;ef x'g] ldlt, :yfg / ;do M ldlt M @)&@÷)^÷@@ ut] z'qmaf/ -tb\g';f/ ( cS6'a/ @)!% _ :yfg M pBf]u ;+u7g df]/Ësf] ;efsIf, zlxbdfu{, tLgk}gL, lj/f6gu/ ;do M laxfg !!M)) jh]
5nkmnsf ljifox? M-s_ ;fwf/0f k|:tfj M
!= cWoIfHo"sf] dGtJo tyf ;+rfns ;ldltsf] aflif{s k|ltj]bg kfl/t ug{] .@= n]vf kl/Ifssf] k|ltj]bg ;lxt @)&! cfiff9 d;fGtsf] jf;nft tyf ;f]lx ldltdf ;dfKt cf=j= @)&)÷)&!
sf] gfkmf÷ gf]S;fg lx;fa tyf gub k|jfx ljj/0f / tt\;DjGwL cg';"lrx? Dffly 5nkmn u/L kfl/t ug{] .#= n]vf kl/If0f ;ldltsf] l;kmfl/; adf]lhd cf=j= @)&!÷)&@ sf] nflu n]vf kl/Ifssf] lgo'QmL ug]{ / lghsf] kfl/>lds
lgwf{/0f ug]{ . -jt{dfg n]vf kl/Ifs a]s/ l6NnL b]j Pzf]l;P6\; rf6{8 Psfp06]06 k'gM lgo'lQmsf] nflu of]Uo x'g'x'G5_ .$= ;j{;fwf/0f z]o/wgL -;d'x v_ af6 k|lglglwTj ug]{ ! - Ps_ hgf ;+rfnssf] lgjf{rg ug]{ .%= ;+rfns ;ldltsf kbflwsf/Lx?nfO{ kqklqsf / df]jfO{n vr{ afkt dfl;s ?kdf ?= ^,))).– pknAw u/fpg]
k|:tfj kfl/t ug]{ .v= ljz]if k|:tfj M
!= sDkgLsf] clws[t k'+hL ? %),)),)),))).– -krf; s/f]8_ /x]sf]df ;f] clws[t k'+hLnfO{ a[l4 u/L ? @,)),)),)),))).– -b'O{ cj{_ sfod ug]{ k|:tfj kfl/t ug]{ / ;f]xL adf]lhd k|aGwkqdf ;+;f]wg ug]{ .
@= ;+rfns ;ldltn] k|:tfj u/] adf]lhd hf/L k"+hLsf] $M! cyf{t $ z]o/ a/fa/ ! xsk|b z]o/ lgZsf;g ug]{ k|:tfj kfl/t ug]{ . pQm xsk|b z]o/ lgZsf;g kZrft x'g] z]o/ ;+/rgf adf]lhd hf/L tyf r'Qmf k"+hLnfO{ tb\cg'?k a[l4 u/L ?= ^@,%),)),))).– -a};ÝL s/f]8 krf; nfv_ sfod ug]{ / ;f] cg'?k sDkgLsf] k|aGwkqdf ;+;f]wg ug]{ ;DaGwL k|:tfj kfl/t ug]{ .
#= sDkgLsf] ;+rfns ;ldltdf ;+:yfks ;d"xaf6 $ hgf, ;j{;fwf/0f ;d"xaf6 @ hgf / ! hgf :jtGq ;+rfns /xg] u/L & hgfsf] ;+rfns ;ldlt sfod ug]{ k|:tfj kfl/t ug]{ / ;f]xL adf]lhd lgodfjnLdf ;+;f]wg ug]{ .
$= laz]if k|:tfjsf] a'Fbf g+ !, @ / # df pNn]v eP adf]lhdsf k|fjwfgx? sDkgLsf] k|aGwkq tyf lgodfjnLdf ;+;f]wgsf nflu lgodgsf/Laf6 s'g} ;+;f]wg jf km]/abn ug{ ;'emfj k|fKt ePdf ;f] adf]lhd cfjZos ;+;f]wg jf km]/abn ;DaGWfL ;Dk"0f{ cfjZos sfo{ ug{sf nflu ;+rfns ;ldltnfO{ ;Dk"0f{ clVtof/L k|bfg ug]{ lg0f{o ug]{ .
u= ljljwM cWoIfHo"sf] cg'dtL cg';f/ . ;+rfns ;ldltsf] cf1fn] O{Zj/ s'df/ ;]8fO{ sDkgL ;lrj
Annual Report 2013/2014jflif{s k|ltj]bg @)&)÷@)&!
2 tkfO{+sf] eljio xfd|f] cleef/f
;fwf/0f;ef ;DaGwL ;fdfGo hfgsf/L
!= sDkgLsf] z]o/ bfv]n vf/]h oxL ldlt @)&@÷)^÷)% ut] b]lv ldlt @)&@÷)^÷@@ ;Dd aGb /xg] 5 . z]o/
bflvn vf/]h aGb ul/Psf] ldlt eGbf cufj} @)&@÷)^÷)$ ut] k'/f lbg ;Dd g]kfn :6s PS:r]Gh ln=df sf/f]jf/
eO{ ;f] sf] & sfo{ lbg leq bflvn vf/]hsf] nflu z]o/ /lhi6«f/ gljn O{Ge]i6d]06 a}+lͪ lnld6]8 gf/fo0frf}/,
gS;fnaf6 k|fKt ljj/0fsf] cfwf/df gfd;f/Lsf] /]s8{ sfod ul/g] 5 .
@= ;efdf pkl:yt x'g] z]o/wgL dxfg'efjx?n] k|j]zkq jf ;Ssn z]o/ k|df0fkq jf cflwsf/Ls kl/ro kq ;fydf
lnO{ cfpg cg'/f]w 5 .
#= ;ef x'g] lbg ;efdf pkl:yltsf nflu xflh/ k'l:tsf ljxfg (=)) ah] b]lv ;ef ;~rfng ;do ;Ddsf] nflu
v'Nnf /xg] 5 .
$= z]o/wgL dxfg'efjx?nfO{ z]o/wgLsf] btf{ lstfadf sfod /x]sf] 7]ufgfdf jflif{s k|ltj]bg k'l:tsf k7fOg] 5 .
s'g} sf/0fjz pQm k'l:tsf gkfpg' ePdf sDkgLsf] skf]{/]6 sfof{noaf6 tyf gljn O{Ge]i6d]06 a}+lͪ lnld6]8
gf/fo0frf}/, gS;fnaf6 k|fKt ug{ ;lsg] 5 .
%= k|ltlglw -k|f]S;L_ lgo'Qm ug{ rfxg] z]o/wgLx?n] ;Dk'0f{ z]o/sf] k|ltlglw Pp6} JolQm -ljefhg gx'g] u/L_ x'g] u/L
k|ltlglw – kq -k|f]S;L kmf/fd_ e/L sDkgLsf] skf]{/]6 clkm;df ;ef z'? x'g' eGbf slDtdf $* 306f cuf8L btf{
u/L ;Sg' kg{] 5 . o;/L k|ltlglw -k|f]S;L_ lgo'Qm ul/Psf] JolQm sDkgLsf] z]o/wgL x'g' clgjfo{ 5 .
^= gfjfns jf ljlIfKt z]o/wgLx?sf] tkm{af6 sDkgLsf] z]o/ nut lstfadf ;+/Ifssf] ?kdf gfd btf{ ePsf] JolQmn]
;efdf efu lng jf k|ltlglw tf]Sg kfpg]5g\ .
&= Ps} z]o/wgLn] Ps eGbf a9L k|ltlglw -k|f]S;L_ lgo'Qm ug{' ePsf] cj:yfdf klxnf] btf{ x'g] k|f]S;L dfGo x'g]5 .
To;kl5 cfpg] k|f]S;L :jtM jb/ jf cdfGo x'g]5 .
*= ;+o'Qm ?kdf z]o/ vl/b ul/Psf] cj:yfdf z]o/ nut lstfadf klxn] gfd pNn]v ePsf] JolQm cyjf ;j{;Ddtaf6
k|ltlglw lgo'Qm ul/Psf] Ps JolQmn] dfq ;efdf efu lng / dtbfg ug{ kfpg]5g\ .
(= ;efdf efu lng k|ltlglw -k|f]S;L_ lgo'Qm ul/;s]kl5 ;DalGwt z]o/wgL :jod ;efdf pkl:yt x'g cfPdf
z]o/wgLn] ul/lbPsf] k|ltlglw -k|f]S;L_ :jtM jb/ x'g]5 .
!)= s'g} ;+ul7t ;+:yf jf sDkgLn] z]o/ vl/b u/]sf] xsdf sfo{sf/L k|d'vn] b:tvt u/L dgf]lgt u/]sf] k|ltlglwn]
z]o/jfnfsf] x}l;otn] ;efdf efu lng ;Sg' x'g]5 .
!!= 5nkmnsf ljifo÷;"rL dWo] ljljw zLif{s cGtu{t 5nkmn ug{ OR5's z]o/wgLn] ;ef x'g' eGbf & -;ft_ lbg cufj}
5nkmnsf] ljifo sDkgL ;lrj dfkm{t ;+rfns ;ldltsf] cWoIfnfO{ lnlvt ?kdf lbg'kg{]5 .
!@= yk hfgsf/Lsf] nflu sDkgLsf] skf]{/]6 sfof{nodf ;Dks{ /fVg' x'g cg'/f]w 5 .
3tkfO{+sf] eljio xfd|f] cleef/f
Annual Report 2013/2014jflif{s k|ltj]bg @)&)÷@)&!
;"of{ nfOkm OG:of]/]G; sDkgL lnld6]8
k|f]S;L kmf/d
>L ;+rfns ;ldlt
;"of{ nfOkm OG:of]/]G; sDkgL lnld6]8la/f6gu/ .
laifoM k|ltlglw lgo'Qm u/]sf] af/] .dxfzo,
=================lhNnf========================g=kf=÷uf=lj=;=j8f g+=======a:g] d÷xfdL===================================================
=n] To; sDkgLsf] z]o/wlgsf] x}l;otn] @)&@ ;fn c;f]h @@ ut]sf lbg x'g] ;ftf}+ aflif{s ;fwf/0f ;efdf d÷xfdL :jo+
pkl:yt eO{ 5nkmn tyf lg0f{odf ;xefuL x'g g;Sg] ePsf]n] pQm ;efdf d]/f]÷xfd|f] tkm{af6 efu lng tyf dtbfg
ug{sf nflu ========================lhNnf ==============================g=kf=÷uf=lj=;= j8f g+=====a:g] To; sDkgLsf z]o/wlg
>L==============================================================================================================z]o/ k|df0fkq g+=======================nfO{
d]/f] / xfd|f] k|ltlglw dgf]lgt u/L k7fPsf] 5'÷5f}+ .
Kf|ltlglw lgo'Qm ePsf] JolQmsf] lgj]bs
gfdM b:tvt
x:tfIf/ gd'gfM gfdM
z]o/wlg kl/ro g+= 7]ufgfM
z]o/wlg kl/ro g+=
z]o/ ;+Vof
ldltM
b|i6AoM of] lgj]bg ;ef x'g' eGbf sDtLdf $* 306f cufj} sDkgLsf] /lhi68{ sfof{nodf k]z ul/;Sg' kg]{5 .
;"of{ nfOkm OG:of]/]G; sDkgL lnld6]8 Kf|j]z kq
z]o/wlgsf] gfdM===============================================================================
z]o/wlgsf] klro g+==========================================================================
;"of{ nfOkm OG:of]/]G; sDkgL lnld6]8sf] ldlt @)&@÷)^÷@@ ut] x'g] ;ftf} aflif{s ;fwf/0f ;efdf pkl:yt x'g hf/L
ul/Psf] k|j]z kq .
Zf]o/wlgsf] b:tvt M
b|i6AoM
!= z]o/wlg cfkm}n] vfnL sf]i7x? eg'{xf]nf . ====================================
@= ;ef sIfdf k|j]z ug{ of] k|j]z kq k|:t't ug'{ clgjfo{ 5 . sDkgL ;lrj
5tkfO{+sf] eljio xfd|f] cleef/f
Annual Report 2013/2014jflif{s k|ltj]bg @)&)÷@)&!
cg';"lr–!
;"of{ nfOkm OG:of]/]G; sDkgL lnld6]8sf] ;ftf}+}+} aflif{s ;fwf/0f ;efdfcWoIf >L /fdafa' kGtHo"af6 k|:t't dGtJo
cfb/l0fo z]o/wgL dxfg'efjx?, sDkgLsf]] o; ul/dfdo ;ftf}+ aflif{s ;fwf/0f ;efdf ;xeflu x'g' ePsf ;Dk"0f{ cfb/l0fo z]o/wgL dxfg'efjx? tyf
pkl:yt ;j}nfO{ ;~rfns ;ldlt Pj+ d]/f] JolQmut tkm{af6 xflb{s :jfut tyf wGojfb 1fkg ub{5' .
sDkgLsf] ;ftf}+ aflif{s ;fwf/0f ;efdf cf=j= @)&)÷)&! sf] n]vfkl/If0f ePsf] jf;nft, cfo Joo ljj/0f, gfkmf gf]S;fg
lx;fj nufot ;~rfns ;ldltn] tof/ kf/]sf] k|ltj]bg tkfO{x? ;dIf k]z ug{ kfpFbf dnfO{ cToGt} v'zL nfu]sf] 5 .
k|:t't ljlQo ljj/0f sDkgL ;+rfns ;ldltsf] ldlt @)&@.)@.@! ut]sf] a}7saf6 kfl/t ePsf] / aLdf ;ldltsf] ldlt
@)&@.)%.!& ut] lgb]{zg ;lxt :jLs[t ePsf] Joxf]/f ;d]t hfgsf/L u/fpFb5' .
sDkgL ;+rfngsf] o; cjlwdf b]zsf laleGg %$ :yfgx?df zfvf sfof{nox? :yfkgf tyf lj:tf/ ePsf 5g\ . :yfkgf
ePsf ;a} zfvf sfof{nox?af6 u|fxsx?nfO{ :tl/o ;]jf k|bfg ub]{ cfPsf 5f} . cfufdL lbgdf g]kfnsf clwsf+z
lhNnfx?df zfvfx? la:tf/ u/L aLldtx?nfO{ l56f], 5l/tf] ?kdf u'0f:t/Lo ;]jf k'¥ofpg k|lta4 5f}+ . xfdLn] cfd
gful/ssf]] kx'Fr x'g] vfnsf :tl/o tyf nfebfos jLdf of]hgfx? sfof{Gjogdf NofO{/x]sf 5f}+ . eljiodf cem al9
nfebfos aLdf of]hgfx? Nofpg b[9 ;+slNkt /x]sf 5f}+ . xfn sDkgLn] !) k|sf/sf hLjg jLdf of]hgfx? k|of]udf NofPsf]
5 . h;df ;"of{ ;+/lIft -;fjlws_ hLjg jLdf, ;"of{ cfzfwg -clu|d e'QmfgL _ hLjg jLdf - !% / @) aif]{_, ;"of{ ;fd'lxs
;fjlws hLjg jLdf, ;"of{ ;+/lIft afn -;fjlws_ hLjg jLdf, ;"of{ afnwg -clu|d e'QmfgL _ hLjg jLdf, a}b]lzs /f]huf/
hLjg jLdf, ;"of{ ;fd'lxs DofbL hLjg jLdf, / ;"of{ ;+/lIft - l;ldt e'QmfgL ;fjlws_ of]hgf /x]sf 5g\ .
z]o/wgL dxfg'efjx?,sDkgLsf x/]s sfdsf/jfxLx?nfO{ ;'–zf;gsf] dd{ / efjgf cg';f/ lgoldt / Jojl:yt ub}{ nlu/x]sf 5f}+ . sDkgLdf
x'g] hf]lvd Joj:yfkgnfO{ Go'lgs/0f ug{sf nflu cfGtl/s lgoGq0f k|0ffnLnfO{ k|efjsf/L agfOPsf] x'gfn] sDkgLsf]
Joj;fodf hf]lvd sd x'g] b]lvG5 . sDkgLsf] Joj;flos k|efjsfl/tf clea[l4 ug{sf nflu of]hgfa4 ?kdf cufl8
al9/x]sf] x'gfn] rfn' aif{df sDkgLn] k|yd aLdf z'Ns / glas/l0fo z'Nsdf pNn]Vo ;'wf/ ug]{ laZjf; lnOPsf] 5 .
sDkgL ;+rfns ;ldlt / Aoa:yfkg sDkgLsf] pGgtL / k|ultsf nflu lg/Gt/ ;lqmo /x]sf] x'gfn] cfufdL aif{ sDkgLsf]
d'gfkmfdf pNn]Vo ;'wf/ x'g uO{ plrt k|ltkmn lbg sDkgL ;Ifd x'g] s'/fdf ;Dk"0f{ z]o/wgL dxfg'efax? nfO{ laZj:t
u/fpg rfxG5' .
sDkgLdf cfj¢ /x]sf clestf{x?nfO{ pko'Qm jftfj/0f k|bfg u/L Jofj;flos k|aw{gdf ;lqmo, hfu?s / k|lt:kwL{
agfpg] of]hgf /x]sf] 5 . clestf{x? sDkgLsf] cfwf/lznf ePsf] tYonfO{ dgg\ u/L clestf{x?sf] dgf]jn pRr agfO{
sfo{ ul/g]5 .
sDkgLn] b]zsf $@ :yfgaf6 jLdfn]v hf/L ub}{ cfPsf] 5 eg] cfufdL lbgdf yk zfvfx?af6 aLdfn]v hf/L ug]{ tof/Ldf
/x]sf 5f}+ . sDkgLn] :jb]zL l;l¢ nfOkm ;km\6Jf]o/ k|of]u u/L skf]{/]6 sfof{no tyf zfvfx?af6 cgnfOg dfkm{t ;]jf
k|bfg ul//x]sf] 5 . xfdLn] ;km\6Jf]o/ k|ljlwsf] dfWodaf6 h'g;'s} zfvfx?af6 aLdfn]v tyf e'QmfgL /l;b aLldtx?nfO{
t'?Gt} pknAw u/fpg] Joj:yf ldnfPsf 5f} . o;af6 aLldtx?nfO{ sDkgLsf] ;]jf ;'ljwfsf] tTsfn nfe k'Ug] laZjf;
lnPsf 5f}+ .
Annual Report 2013/2014jflif{s k|ltj]bg @)&)÷@)&!
6 tkfO{+sf] eljio xfd|f] cleef/f
cf=j= @)&).&! df sDkgLn] s'n *#*@@ jLdfn]vaf6 k|yd jLdfz'Ns /m @#,^%,#%,#(&=.– gljs/l0fo aLdfz'Nsaf6
? !&,*%,!$,(!#.– hDdf u/L s'n ? $!,%),%),#!)=.– jLdf z'Ns cfh{g u/]sf] 5 . pQm /sd clwNnf] cf=j=sf] t'ngfdf
(!=&) k|ltztn] a9L /x]sf] 5 . sDkgLsf] laut jif{sf] t'ngfdf v'b gfkmf / hLjg jLdf sf]ifdf ;d]t s|dzM *=&! k|ltzt
/ ^)=!^ k|ltztn] j[l¢ ePsf] hfgsf/L u/fpFb5f}+ .
sDkgLsf ef}lts cj:yfdf /x]sf z]o/x?nfO{ cef}ltls/0f ug]{ sfo{ (Demat) sf nflu k|lqmof cufl9 a9fPsf 5f}+ .
sDkgLsf z]o/ cef}ltls/0fsf] nflu l;l8P; P08 lSnol/ª lnld6]8;Fu ;+emf}tf eO{;s]sf] x'gfn] ca sDkgLsf z]o/x?sf]
sf]/f]jf/sf] /fkm;fkm tyf gfd;f/L l56f] 5l/tf] / Jojl:yt ?kdf x'g] / o;af6 sDkgLsf z]o/wlgx? nfeflGjt x'g] Joxf]/f
hfgsf/L u/fpFb5' .
z]o/wgL dxfg'efjx?,cGTodf o; sDkgLsf]] a[xQ/ pGgtL / k|ultdf lg/Gt/ ;lqmo /xg' ePsf sd{rf/xL?, sDkgL k|lt lg/Gt/ laZjf; /
e/f];f ug'{ x'g] ;d:t aLldtx?, z]o/wgL dxfg'efjx?, sDkgLsf] lasf;df plrt dfu{lgb]{zg ug]{ lgodgsf/L lgsfo >L
jLdf ;ldlt, >L g]kfn :6s PS;r]Gh lnld6]8, >L g]kfn lwtf]kq jf]8{, >L sDkgL /lhi6«f/sf] sfof{no tyf sDkgLsf]
;kmntfdf ;fy lbg] z]o/ /lhi6«f/ gljn OGe]i6d]06 a}+lsª ln=, ;Dk"0f{ jLdf sDkgLx?, k'gjL{df sDkgL, clestf{x?,
ljleGg a}+s tyf ljlQo ;+:yf Pj+ cGo z'e]R5'sx? ;j} k|lt xflb{s s[t1tf 1fkg ub{5' .
wGojfb,
ldlt @)&@.)^.@@
/fdjfj' kGt
cWoIf
7tkfO{+sf] eljio xfd|f] cleef/f
Annual Report 2013/2014jflif{s k|ltj]bg @)&)÷@)&!
;"of{ nfOkm OG:of]/]G; sDkgLsf] ;ftf}+}+ aflif{s ;fwf/0f ;efdf sDkgL P]g @)^# sf] bkmf !)( cg';f/ ;~rfns ;ldltn] tof/ kf/L
;ldltsf] tkm{af6 cWoIf >L /fdafa' kGtHo"af6 k|:t't k|ltj]bg M
-s_ ljut aif{sf] sf/f]af/sf] l;+xfjnf]sgM sDkgLsf] Joj;fo ljut jif{eGbf ck]lIft ?kdf j[l¢ x'g uPsf] 5 . Joj;fo k|aw{g ug{ sDkgLn] cjnDag u/]sf
/0fgLlts of]hgfx?sf sf/0f sDkgLsf] sf/f]jf/df ck]Iffs[t ?kdf j[l¢ ePsf] xf] . ldlt @)^%.)!.!! ut] b]lv
ljlwjt ?kdf jLdf Joj;fo ;+rfng u/]sf] o; sDkgLn] ljut rf/ cfly{s jif{sf] cjlwdf u/]sf] sf/f]jf/ tyf k|fKt
pknlAwsf d'Vo ;"rsx? Zf]o/wgL dxfg'efjx? ;dIf k|:t't ug{ rfxfG5' .
qm=;+= ljj/0fcf=j=
@)&)÷&!cf=j=
@)^(÷&)cf=j=
@)^*÷^(cf=j=
@)^&÷^*
! s'n aLdfz'Ns $!,%),%),#!) @!,̂ %,!%,@#! ! ,̂!(,@&,!%! !!,̂ *,#!,##*
@ k|yd aif{sf] aLdfz'Ns !#,#!,#&,$&! ,̂(@,)@,!(% ,̂*(,&@,$$* ,̂! ,̂)#,!@@
# s'n Joj:yfkg vr{ (,*$,@&,̂ )&
$,(!,̂ #,**) %,$!,@),*)% $,@$,&(,(@%
$ v"b gfkmf $,#&,(!,#)@ $,)@,*!,$(! @,(#,̂ (,))! !,&!,! ,̂%@%
% hLjg aLdf sf]if ^&,@@,((,!!$ $!,(&,%$,̂ (@ @%,$&,@ ,̂(!) !$,)),(),*(#
^ s'n nufgL -cNksflng ;d]t_ !,!%,%),* ,̂̂ @! * ,̂)#,(&,)$& ^*,#$,&#,#)# %#,@&,*#,*)$
& aLdf clestf{ ;+Vof #,!&( #,##@ @,&#) @,!#%
* sd{rf/L ;+Vof !%* !@! (& !)#
( s'n sfod /x]sf] aLdfn]vsf] ;+Vof &#,*@@ #(,#)! ##,@#* @%,(@%
!) sfod /x]sf] aLdfÍ /sd @$,**,#%,%(,̂ ** !!,) ,̂)),̂ #,&)) (,##,&$,$@,%($ &,*#,(#,@%,)))
!! hLjg jLdf of]hgfx? !) ( * *
!@ zfvf sfof{nox? %$ #^ #^ #^
!# bfjL e'QmfgL v'b !,@%,@&,̂ ^$ $%,(&,$$& !(,$&,$!( (,%*,((!
jLdf sf]ifsf] d"Nofs+g aLdf ;ldltsf] ldlt @)^(÷%÷& sf] kqfg';f/ hLjg aLdf sDkgLn] k|To]s Ps÷Ps aif{df hLjg aLdf sf]ifsf]
d"Nof+sg jLdfÍLjf6 u/fpg' kg]{ Joj:yf eP cg';f/ sDkgLn] cf=j= @)&).)&! ;Ddsf] hLjg aLdf sf]ifsf] d"Nof+sg
u/fO{ jLdfÍLjf6 gofF jf]g; b/ ;d]t sfod ePsf] 5 .
-v_ /fli6«o tyf cGt/f{li6«o kl/l:yltaf6 sDkgLsf] sf/f]jf/nfO{ s'g} c;/ k/]sf] eP ;f] c;/M plrt ?kdf nufgLof]Uo aftfa/0fsf] cefj, s|ozlQmdf b]lvPsf] x|f;f]Gd'v l:ytL, hLjg jLdf ;DjGwL hgr]tgfsf]
sdL, /fhg}lts cl:y/tfsf] k|efj, jLdf jhf/sf] plrt ljsf; x'g g;Sg', phf{ ;+s6 oyfjt /xg', ljlQo ;+:yfdf
b]lvPsf] t/ntfsf] ptf/r9fj, s'n u|fx:y pTkfbgdf lg/Gt/ ?kdf sdL cfpg', nufgLsf] ;'/Iffsf] Uof/]G6L gx'g'
h:tf sf/0fx?n] ubf{ ;ldIff jif{df ;f] sf] c;/ hLjg jLdfdf klg k|ToIf tyf ck|ToIf ?kn] kg{ uPsf] b]lvG5 . o;
cj:yfnfO{ dWogh/ ub]{ Joj:yfkg tyf ;+rfns ;ldltn] aLdf Joj;fo tyf sf/f]jf/sf] bfo/f a[l4 ug{ lg/Gt/
lqmoflzn /x]sf] hfgsf/L u/fpF5' .
Annual Report 2013/2014jflif{s k|ltj]bg @)&)÷@)&!
8 tkfO{+sf] eljio xfd|f] cleef/f
-u_ k|ltj]bg tof/ ePsf] ldlt;Dd rfn' aif{sf] pknAwL / eljiodf ug'{kg]{ s'/fsf] ;DjGwdf ;~rfns ;ldltsf] wf/0ffM
rfn' cf=j @)&@ c;f/ d;fGt ;Ddsf]
jLdfn]v ;+Vof M !)#,%$)
jLdf z'Ns ?= M &#,)!,*(,*)%
bfjL e'QmfgL M %,@^,@@,)@$
hLjg jLdf clestf{x?sf] ;+Vof M !!,&%^
hLjg jLdf of]hgfx? M !)
zfvfx? M %$
;ldIff jif{ tyf rfn' cf=j=sf] ;fpg d;fGt ;Ddsf] pknAwL sDkgLn] ck]Iff u/] cg';f/ pT;fxhgs g} b]lvPsf]
5 . sDkgLaf6 jLdf Joj;fo k|aw{gsf nflu u'0f:t/Lo ;]jf k|bfg u/L sf/f]jf/nfO{ ;'[b[9 ul/Psf] 5 . hLjg aLdf
Joj;fosf] d]?b08sf] ?kdf /x]sf] bIf hLjg jLdf clestf{x?sf] ;+Vof j[l4 ug{ b]zJofkL ?kdf clestf{ tflnd
;+rfng ug]{ xfnsf] gLltnfO{ cufl8 a9fO{g]5 eg] xfn sfo{/t clestf{x?nfO{ k'gtf{huL sfo{s|dx? ;+rfng u/L
aLdf Joj;fo k|aw{gdf ;lqmo agfO{g]5 . eljiodf aLdf ahf/ cWoog u/L ;+efJotfsf] cfwf/df cfjZostf cg';f/
gofF hLjg jLdf of]hgfx? NofO{g]5 . /fli6«o tyf cGt/fli6«o :t/df jhf/ cWoog u/L zfvf sfof{nox?sf] lj:tf/
u/L u|fxsx?sf] 3/ b}nf]df jLdf of]hgfx? lalqm ljt/0f ug]{ Joj:yf ldnfOg] 5 .
-3_ sDkgLsf] cf}Bf]lus jf Joj;flos ;DaGwM sDkgLsf] Joj;fonfO{ k|efjsf/L agfpg cf}Bf]lus If]q ;+usf] ;DaGwnfO{ 3lgi6 agfpg] sfo{nfO{ k|fyldstf lbO{g]5 . aLdf
Aoa;fosf] k|aw{gsf nflu sDkgLn] laleGg cf}Bf]lus k|lti7fgx? ;+u ;xsfo{ ub}{ cfPsf] 5 . cfufdL lbgdf sDkgLn] cfkm\gf]
sfo{ If]q lj:tf/ ug{ ;+ul7t ;+3;+:yf, Joj;flos lgsfox?, cf}Bf]lus k|lti7fgx?, a}Í tyf laQLo ;+:yf, aLdf sDkgLx?,
k'gaL{df sDkgLx? tyf ;a} cf}Bf]lus If]qsf JolQmx?;Fu ;'dw'/ ;DaGw la:tf/ ug{ of]hgfa4 ?kdf cufl8 a9\g] 5f}+ .
-ª_ ;~rfns ;ldltdf ePsf] x]/km]/ / ;f] sf] sf/0fM ;ldIff cjwLdf sDkgLsf] ;+rfns ;ldltdf s'g} x]/km]/ ePsf] 5}g . xfn ;+rfns ;ldltdf ;j{;fwf/0f ;d"x ævÆ
af6 k|ltlglwTj ug'{ x'g] ! hgf ;+rfnssf] lgjf{rg o;} ;fwf/0f ;efaf6 x'g] Joxf]/f hfgsf/L u/fpFb5' .
-r_ sf/f]af/nfO{ c;/ kfg]{ d'Vo s'/fx?M b]zdf cf}Bf]lus ljsf; ck]Iff ul/P cg';f/ gx'g', nufgLsf] bfo/f l;ldt x'g', Joj;fo k|aw{gsf nflu cfjZos
kg]{ lb3{sflng k"FhL kl/rfngnfO{ k|f]T;fxg ug]{ gLltsf] cefa x'g', hLjg jLdf af/]df cfd ?kdf hgr]tgfsf] cefj
h:tf sf/0fn] hLjg jLdf sf/f]jf/nfO{ c;/ kfg]{ d'Vo s'/fx? /x]sf 5g . lgodgsf/L lgsfo tyf cGo lgsfox?af6
;do ;dodf hf/L x'g] tyf kl/jt{g x'g] lgod tyf lgb]{zgx?af6 sDkgLsf] sf/f]j/df c;/ kg]{ b]lvP klg kl/jlt{t
kl/l:ytLnfO{ cfTd;fy u/L pko'Qm /0flglt agfO{ sDkgLn] cfkm\gf] sf/f]jf/nfO{ Jojl:yt ul//x]sf] 5 .
-5_ n]vfkl/If0f k|ltj]bgdf s'g} s}lkmot pNn]v ePsf] eP ;f] pk/ ;~rfns ;ldltsf] k|ltlqmofM n]vfkl/If0f k|ltj]bgdf s'g} s}lkmot pNn]v gePsf] Joxf]/f hfgsf/L u/fpb5f} .
-h_ nfef+z afF8kmfF8 ug{ l;kmfl/; ul/Psf] /sdM afF8kmfF8sf nflu nfef+; tyf af]g; z]o/ jfkt s'g} /sdsf] Joj:yf gul/Psf] hfgsf/L u/fpFb5' .
-em_ z]o/ hkmt ePsf] eP hkmt ePsf] z]o/ ;+Vof, To:tf] z]o/sf] c+lst d"No, To:tf] z]o/ hkmt x'g'eGbf cufj} ;f] jfkt sDkgLn] k|fKt u/]sf] hDdf /sd / To:tf] z]o/ hkmt ePkl5 ;f] z]o/ ljqmL u/L sDkgLn] k|fKt u/]sf] /sd tyf hkmt ePsf] z]o/jfkt /sd lkmtf{ u/]sf] eP ;f] sf] ljj/0fM
sDkgLsf] k|ltj]bgsf] ldlt ;Dd s'g} z]o/ hkmt u/]sf] 5}g .
9tkfO{+sf] eljio xfd|f] cleef/f
Annual Report 2013/2014jflif{s k|ltj]bg @)&)÷@)&!
-`_ ljut cfly{s aif{df sDkgL / o;sf] ;xfos sDkgLsf] sf/f]af/sf] k|ult / ;f] cfly{s aif{sf] cGtdf /x]sf] l:yltsf] k'g/fjnf]sgM
sDkgLsf] cf=j @)&).)&! sf] ljlQo ljj/0f o;} k|ltj]bg ;fy ;+nUg 5 . o; sDkgLsf] s'g} ;xfos sDkgL g/x]sf] .
-6_ sDkgL tyf To;sf] ;xfos sDkgLn] cly{s aif{df ;DkGg u/]sf] k|d'v sf/f]af/x? / ;f] cjlwdf sDkgLsf] sf/f]af/df cfPsf] s'g} dxTjk"0f{ kl/jt{gM
sDkgLsf] sf/f]jf/sf] ljlQo ljj/0f o;} ;fy ;+nUg ul/Psf] 5 . o; sDkgLsf] s'g} ;xfos sDkgL g/x]sf] .
-7_ ljut cfly{s aif{df sDkgLsf] cfwf/e"t z]o/wgLx?n] sDkgLnfO{ pknAw u/fPsf] hfgsf/LM To:tf] laz]if hfgsf/L k|fKt ePsf] 5}g .
-8_ ljut cfly{s aif{df sDkgLsf ;~rfns tyf kbflwsf/xL?n] lnPsf] z]o/sf] :jfldTjsf] ljj/0f / sDkgLsf] z]o/ sf/f]af/df lghx? ;+nUg /x]sf] eP ;f] ;DaGwdf lghx?af6 sDkgLn] k|fKt u/]sf] hfgsf/LM
cfly{s aif{ @)&)÷)&! sf] cfiff9 d;fGt ;Dddf sDkgLsf ;~rfns tyf kbflwsf/xL?sf] z]o/ :jfldTjsf] ljj/0f
lgDg adf]lhd 5 / z]o/ sf/f]jf/df lghx?sf] To:tf] s'g} ;+nUgtf /x]sf] hfgsf/L k|fKt ePsf] 5}g .
qm=;+= ;+rfns tyf kbflwsf/Lsf] gfd kb lsQf! >L /fd afa' kGt cWoIf @),*##
@ >L dx]z s'df/ cu|jfn ;+rfns %%,%%^
# >L x]dGt gfxf6f ;+rfns @&,&&*
$ >L lagf]b s'df/ Kofs'/]n ->L o'gfO{6]8 OGe]:6;{ k|f=ln=sf] tkm{af6 _ ;+rfns #,((,*&%
% >L lzj l;+x sfsL{ -Unf]jn 6]«l8Ë sG;g{ k|f=ln=sf] tkm{af6_ ;a{;fwf/0f ;+rfns &#,(!&
^ >L u+uf k|;fb zdf{ :jtGq ;+rfns 5}g
-9_ ljut cfly{s aif{df sDkgL;Fu ;DalGwt ;Demf}tfx?df s'g} ;~rfns tyf lghsf] glhssf] gft]bf/sf] JolQmut :jfy{sf] af/]df pknAw u/fO{Psf] hfgsf/Lsf] Joxf]/f .
5}g .
-0f_ sDkgLn] cfˆgf] z]o/ cfkm}+n] vl/b u/]sf] eP To;/L cfˆgf] z]o/ vl/b ug'{sf] sf/0f, To:tf] z]o/sf] ;+Vof / c+lst d"No tyf To;/L z]o/ vl/b u/]jfkt sDkgLn] e'QmfgL u/]sf] /sdM
5}g .
-t_ cfGtl/s lgoGq0f k|0ffnL ePsf] jf gePsf] / ePsf] eP ;f]sf] lj:t[t ljj/0fM sDkgLdf cfGtl/s lgoGq0f k|0ffnL /x]sf] 5 . sDkgLdf x'g] hf]lvdnfO{ lgoGq0f ug{sf nflu cfGtl/s lgoGq0f
k|0ffnLnfO{ k|efjsf/L agfO{Psf] 5 . lgodgsf/L lgsfo aLdf ;ldltsf] ;'zf;g ;DaGwL lgb]{lzsfsf] lg/Gt/
kl/kfngf ul/Psf] 5 . sDkgLn] :jb]zL ;km\6j]o/ (Software) l;l¢ nfOkm (Siddi Life) k|of]udf NofO{ ;Dk"0f{ ljefu
tyf zfvfx?sf] b}lgs sfo{x? ub}{ cfPsf] 5 . hLjg jLdf Joj;fodf x'g] hf]lvd (Underwriting) tyf nufgL
hf]lvd lgoGq0f ug{sf nflu hf]lvd Joj:yfkg tyf ;f]ne]G;L pk–;ldltdf 5nkmn u/L sfof{Gjog ug]{ ul/Psf]
5 . Joj:yfkgsf] tkm{af6 zfvf tyf pk–zfvfx?sf] Jofkf/ tyf cfly{s sf/f]jf/nfO{ r':t, b'?:t tyf kf/bzL{
agfpg b}lgs l/kf{]l6ªsf] Joj:yf ul/Psf] 5 .
-y_ ljut cfly{s aif{sf] s'n Joj:yfkg vr{sf] ljj/0fM cf=j= @)&).)&! sf] s'n Joj:yfkg vr{ ?= (,*$,@&,^)&÷– /x]sf] 5 . jLdf Joj;fosf] cfsf/ cg';f/ cl3Nnf]
jif{eGbf Joj:yfkg vr{df sld 5 / ;f]xL jdf]lhd Joj:yfkg vr{ 36fpg Joj:yfkgnfO{ lgb]{zg ;d]t lbPsf] 5 .
o;} ;fy ;+Ung ljlQo ljj/0fsf] æcg';"rL &Æ df Joj:yfkg vr{sf] ljj/0f pNn]v ul/Psf] 5 .
Annual Report 2013/2014jflif{s k|ltj]bg @)&)÷@)&!
10 tkfO{+sf] eljio xfd|f] cleef/f
-b_ n]vfk/LIf0f ;ldltsf ;b:ox?sf] gfdfjnL, lghx?n] k|fKt u/]sf] kfl/>lds, eQf tyf ;'ljwf, ;f] ;ldltn] u/]sf] sfd sf/afxLsf] ljj/0f / ;f] ;ldltn] s'g} ;'emfj lbPsf] eP ;f]sf] ljj/0fM
k|:t't cf=j=df n]vfk/LIf0f pk–;ldltdf >L lzj l;x+ sfsL{Ho"sf] ;+of]hsTjdf >L dx]z s'df/ cu|jfnHo" / >L lagf]b s'df/
Kofs'/]nHo" ;b:o /xg' ePsf] lyof] . pxfFx?nfO{ a}7s eQf jfkt ? #@,))).– k|bfg ul/Psf] 5 . n]vfk/LIfssf] k|ltj]bg
k|fKt x'gf ;fy n]vfk/LIf0f pk–;ldltsf] a}7s a;L n]vfkl/Ifsn] lbPsf ;'emfjx?sf] sfof{Gjogsf nflu Joj:yfkgnfO{
lgb]{zg k|bfg x'b} cfPsf] 5 . h;sf sf/0f sDkgLdf cfGtl/s sfdsf/jfxLsf] cj:yf lg/Gt/ ;'wf/f]Gd'v eO{/x]sf] 5 .
-w_ ;~rfns, k|aGw ;~rfns, sfo{sf/L k|d'v, sDkgLsf cfwf/e"t z]o/wgL jf lghsf] glhssf] gft]bf/ jf lgh ;+nUg /x]sf] kmd{ sDkgL jf ;+ul7t ;+:yfn] sDkgLnfO{ s'g} /sd a'emfpg afFsL eP ;f] s'/f M
g/x]sf] .
-g_ ;~rfns, k|aGw ;~rfns, sfo{sf/L k|d'v tyf kbflwsf/Lx?nfO{ e'QmfgL ul/Psf] kfl/>lds, eQf tyf ;'ljwfsf] /sd M
k|:t't cf=j=df ;+rfns ;ldltsf cWoIfnfO{ k|lt a}7s ?=%,%)).— / ;+rfnsx? nfO{ k|lt a}7s eQf ?= %,))).—
u/L s'n a}7s eQf ?=^,&*,%)).— e'QmfgL ul/Psf] 5 . k|jGws:t/ ;Ddsf cGo kbflwsf/xL?nfO{ kfl/>lds, eQf
tyf cGo ;'ljwf jfkt ?=&*,)@,&*%.#! e'QmfgL ul/Psf] 5 .
-k_ Zf]o/wgLx?n] a'lemlng afFsL /x]sf] nfef+zsf] /sdM g/x]sf]
-km_ bkmf !$! adf]lhd ;DklQ vl/b jf lalqm u/]sf] s'/fsf] ljj/0fM gePsf] .
-a_ bkmf !&% adf]lhd ;Da4 sDkgL aLr ePsf] sf/f]af/sf] ljj/0fM g/x]sf]
-e_ o; P]g tyf k|rlnt sfg'g adf]lhd ;~rfns ;ldtsf] k|ltj]bgdf v'nfpg'kg]{ cGo s'g} s'/f .
-c_ n]vfkl/Ifssf] lgo'QmL sDkgLsf] ldlt @)&!.)#.@* ut] ;DkGg 5}7f}+ aflif{s ;fwf/0f;efaf6 n]vfk/LIfs lgo'Qm x'g' ePsf >L a]s/
l6NnL b]j Pzf]l;P6\; rf6{8 PsfG6]06; sDkgL P]g adf]lhd k'gM lgo'lQmsf nflu of]Uo b]lvg' ePsf]n] n]vf
k/LIf0f pk–;ldltsf] l;kmfl/; adf]lhd cf=j= @)&!÷&@ sf] nflu n]vf k/LIfsdf lgo'lQm ug{ tyf lghsf]
kfl/>lds ;d]t o;} ;fwf/0f ;efaf6 cg'df]bgsf nflu k|:t't ub{5' .
-cf_ ldlt @)&@.)!.!@ ut] uPsf] dxflagf;sf/L dxfe'sDk lkl8tx?sf] ;xof]ufy{ k|wfgdGqL b}la k|sf]k p4f/ sf]ifdf rGbf :j?k k|bfg ul/Psf] /sd ?=% nfv / laleGg ;fdflhs ;+3 ;+:yfx?nfO{ k|bfg ul/Psf] ;d]t hDdf u/L & nfv %& xhf/ /sdsf] cg'df]bg ul/lbg'x'g cg'/f]w ub{5' .
-O_ ;DkQL z'l¢s/0f lgjf/0f ;DjGwdfM sDkgLn] ;DktL z'l¢s/0f lgjf/0f P]g, lgodfjnL, ;DkQL z'l¢s/0f tyf cftÍsf/L s[ofsnfkdf ljlQo
nufgL lgjf/0f lgb]{lzsf / g]kfn /fi6« a}+s ljlQo hfgsf/L OsfOsf] lgod tyf lgb]{zgnfO{ lg/Gt/ kl/kfngf
ub}{ cfO/x]sf] 5 . sDkgLn] ;DktL z'l¢s/0f ;DjGwL pknAw u/fpg' kg]{ ;"rgf P+j hfgsf/L ;d]t ;DalGwt
lgsfodf lg/Gt/ pknAw u/fO{/x]sf] 5 . o; tkm{ sDkgL ;bf ;r]t /xg] k|lta¢tf AoQm ub{5f}+ .
-O{_ jLdf ;ldltaf6 hf/L ePsf] ;+:yfut ;'zf;g ;DaGwL lgb]{lzsf sfo{Gjog u/L ;f] sf] k"0f{ ?kdf kl/kfngf
ub}{ cfPsf] hfgsf/L u/fpFb5' .
11tkfO{+sf] eljio xfd|f] cleef/f
Annual Report 2013/2014jflif{s k|ltj]bg @)&)÷@)&!
-p_ lwtf]kq btf{ tyf lgisfzg lgodfjnLsf] lgod @@-!_ ;+u ;Dj¢ yk ljj/0fx?M -!_ ;ldIff cjlwdf sfg'gL sf/jfxL ;DjGwL ljj/0fM gePsf] . -s_ ;ldIff cjlwdf sDkgLn] jf sDkgLsf] lj?¢ d'4f bfo/ ePsf] ePM— sDkgLn] lsi6 a}+s-xfn
k|e' a}+s_ pk/ pTk|]if0fo'Qm k/dfb]z d'4f bfo/ u/]sf]df ;f] d'4f >L ;jf]{Rr cbfntdf rln/x]sf] .
-v_ ;ldIff cjlwdf sDkgLsf] ;+:yfks jf ;+rfnsn] jf ;+:yfks jf ;+rfnssf] lj?¢df k|rlnt lgodsf] cj1f jf kmf}Hfbf/L ck/fw u/]sf] ;DjGwdf s'g} d'4f bfo/ u/]sf] jf ePsf] ePM
To:tf] s'g} hfgsf/L k|fKt gePsf] .
-u_ sDkgLsf] ;+:yfks jf ;+rfns lj?¢ cfly{s ck/fw u/]sf] ;DjGwdf s'g} d'4f bfo/ ePsf] ePM
To:tf] s'g} hfgsf/L k|fKt gePsf] .
-@_ ;+ul7t ;+:yfsf] z]o/ sf/f]jf/ ;DjGwL ljZn]z0fM sDkgLsf] z]o/ ;DjGwL ;Dk'0f{ sfo{ ug{ z]o/ /lhi6«f/ >L gljn O{Ge]i6d]06 a}+lsË ln=, gS;fnnfO{ lgo'Qm
ul/Psf] 5 . Z]fo/ sf/f]jf/df eO{/xg] ptf/ r9fj tyf v'Nnf jhf/sf sf/0f z]o/ d"Nodf kl/jt{g x'g]
u/]sf] 5 .
g]kfn :6s PSr]Gh lnld6]8sf] j]e ;fO6 cg';f/ @)&@ cfiff9 d;fGtsf] z]o/ sf/f]jf/ lgDg cg';f/ /x]sf] 5 .
clwstd d"No M &$^ Go"gtd d"No M $#@ clGtd d"No M &)(
sf/f]jf/ ePsf] s'n lbg M @!& sf/f]jf/ ePsf] s'n ;+Vof M #,#@&
s'n sf/f]jf/ ePsf] z]o/ ;+Vof M %,*^,&#&
wGojfb . cWoIf
ldlt M—@)&@.)^.@@ ;+rfns ;ldltsf] tkm{jf6
Annual Report 2013/2014jflif{s k|ltj]bg @)&)÷@)&!
12 tkfO{+sf] eljio xfd|f] cleef/f
ljj/0fkqdf k|If]k0f ul/Psf / n]vf kl/If0f ePsf] ljj/0fx?df aL; k|ltzt jf
;f] eGbf al9 km/s k/]sf c+sx? tyf km/s kg'{sf sf/0fx?
ljj/0fkq k|If]k0f ubf{ ;du| sDkgLsf] hLjg aLdf Joj;fodf ;'wf/ x'g] ck]Iff lnO{ ljut aif{sf] cfs8fdf cfwfl/t eO{
k|If]k0f ul/Psf] lyof]] .
ck]Iff ul/P cg';f/ Joj;fo gePsf] t/ nufgLsf] k|ltkmn /fd|f] ePsf sf/0f k|:t't ljlQo ljj/0fdf k|If]lkt ul/Psf s]xL
;"rsf++sdf k|If]k0fsf] t'ngfdf @) k|ltzt km/s kg{{ uPsf] xf]] .
;"of{ nfOkm OG:of]/]G; sDkgL lnld6]8/lhi68{ sfof{noM lj/f6gu/ df]/Ë
s]Gb|Lo sfof{noM rf6{8{ 6fj/, rf}yf] tNnf, ;fgf] uf}r/g, 1fg]Zj/, sf7df8f}+
jf;nft
qm=;+= ljj/0f k|If]lkt jf:tljs km/skm/s k|ltzt
@) k|ltzt eGbf al9 km/s kgf{sf] sf/0f
! >f]t - !=! b]lv !=$ ;Dd_ 1,308,023 1,306,572
!=! r'Qmf k"FhL 500,000 500,000 – 0Ü
!=@ hu]8f tyf sf]if 118,431 125,027 -6,596_ –6Ü
!=# hLjg aLdf sf]if 689,592 672,299 17,293 3Ü
!=$ dxf–ljklQ hu]8f – 9,246 -9,246_ ∞!=% ltg{ afFsL bL3{sflng C0f tyf ;fk6L – – –
@ pkof]u - @=! b]lv @=^ ;Dd_ 1,308,023 1,306,572 –
@=! l:y/ ;DkQL -v'b_ 15,894 21,280 -5,386_ –34Ük|If]lkt k|ltj]bgdf n]vfÍg ubf{ 5'6]sfn]
@=@ lb3{sflng nufgL tyf shf{ 600,896 600,896 0 0Ü
@=# aLdfn]vsf] lwtf]df shf{ 12,314 12,314 0 0Ü
@=$ cGo lb3{sflng shf{ 28,229 28,229 – 0Ü
@=% v'b Rffn' ;DklQ -#-$_ 650,690 643,855
@=^ ckn]vg jf ;dfof]hg x'g afFsL ljljw vr{x? – – –
@=& gfkmf gf]S;fg lx;faaf6 ;f/]sf] gf]S;fg – – –
v'b Rffn' ;DklQsf] ljj/0f –
# Rffn' ;DklQ shf{ tyf k]ZsLx? - #=! b]lv #=# ;Dd_ 742,759 756,596
#=! gub tyf a}+s df}Hbft 21,273 41,871 -20,598_ –97Ü aLdf z'Nsdf a[l4 ePsf] sf/0fn]
#=@ cNksflng nufgL tyf shf{ 571,651 554,191 17,460 3Ü
#=# cGo ;DkQL 149,835 160,534 -10,699_ –7Ü
$ rfn' bfloTj tyf Joj:Yffx? - $=! b]lv $=$ ;Dd_M 92,069 112,742
$=! rfn' bfloTj 63,259 62,920 339 1Ü
$=@ c;dfKt hf]lvd jfkt Joj:yf 17,899 38,019 -20,120_ –112ÜaLdflÍo d"Nof+sgsf] cfwf/df Joj:yf jfkt /sd kl/jt{g ePsfn]
$=# e'QmfgL x'g afFsL bfjL afkt Joj:yf 805 805 0 0Ü
$=$ cGo Joj:yf 10,106 10,998 -892_ –9Ü
13tkfO{+sf] eljio xfd|f] cleef/f
Annual Report 2013/2014jflif{s k|ltj]bg @)&)÷@)&!
gfkmf gf]S;fg lx;fa
qm=;+= ljj/0f k|If]lkt jf:tljs km/skm/s k|ltzt
@) k|ltzt eGbf al9 km/s kgf{sf] sf/0f
1 cfDbfgL - !=! b]lv !=% ;Dd_M 55,251 45,513
!=! cfo Joo lx;faaf6 ;f/]sf] 13,496 -6,156_ 19,652 146ÜaLdflÍo d"Nof+sgsf] cfwf/df c;dfKt hf]lvd jfktsf] Joj:yfdf kl/jt{g ePsf] sf/0fn] ubf{
!=@ hLjg aLdf sf]ifaf6 ;f/]sf] – 10,451 -10,451_ ∞!=# nufgL shf{ tyf cGoaf6 cfo 41,610 41,045 565 1Ü!=$ Joj:yf lkmtf{ 145 174 -29_ –20Ü Joj:yf lkmtf{ lnO{Psf]n] ubf{
!=% cGo cfDbfgL – – –2 Joj:yf tyf vr{x? - @=! b]lv @=* ;Dd_M 14,178 1,722@=! Joj:yfkg vr{ 9,036 9,601 -565_ –6Ü@=@ z]o/ ;DaGwL vr{ 958 958 0 0Ü@=# cGo vr{x? 77 77 0 0Ü@=$ gf]S;fgLsf] nflu Joj:yf – – –@=% sd{rf/L cfjf; Joj:yf – – –@=^ sd{rf/L af]g; Joj:yf 4,107 3,171 937 23Ü v'b gfkmfdf kl/jt{g ePsf] sf/0fn]
@=& cfos/ – -12,085_ 12,085 ∞@=* hLjg aLdf sf]ifdf ;f/]sf] – – –v"b gfkmf ÷-gf]S;fg_ -!_ – -@_ 41,073 43,791
Plss[t cfo – Joo lx;fa
qm=;+= ljj/0f k|If]lkt jf:tljs km/skm/s k|ltzt
@) k|ltzt eGbf al9 km/s kgf{sf] sf/0f
1 cfo -!=! b]lv !=& ;Dd_M 413,671 452,663!=! aLdfz'Ns -v"b_ 348,172 381,771 -33,599_ –10Ü!=@ k'gaL{df sldzg cfo 654 2,507 -1,853_ –283Ü k|If]lkt n]vfÍg km/s k/]sfn]
!=# nufgL, shf{ tyf cGoaf6 cfo 61,681 65,136 -3,455_ –6Ü!=$ aLdfn]vsf] lwtf]df shf{af6 cfo 966 966 0 0Ü!=% cGo k|ToIf cfo 955 1,041 -86_ –9Ü!=^ o; jif{sf] z'?sf] e'QmfgL x'g afFsL bfjL afkt Joj:yf 1,220 1,220 -0_ –0Ü!=& o; jif{sf] z'?sf] c;dfKt hf]]lvd afkt Joj:yf 23 23 0 0Ü2 Joo - @=! b]lv @=!) ;Dd_M 143,836 195,824@=! bfjL e'QmfgL -v'b_ 12,522 12,528 -6_ –0Ü@=@ clestf{ sldzg 44,300 50,345 -6,045_ –14Ü@=# :jf:Yo k/LIf0f z'Ns 879 1,240 -361_ –41Ü aLdfz'Ns /dsdf a[l4 ePsfn]
@=$ k'gaL{df sldzg vr{ – – – 0Ü@=% ;]jf z'Ns -v'b_ 3,482 3,818 -336_ –10Ü@=^ cGo k|ToIf vr{ 178 244 -66_ –37Ü aLdfz'Ns /dsdf a[l4 ePsfn]
@=& Joj:yfkg vr{ 81,320 88,826 -7,506_ –9Ü@=* cfos/ – – – 0Ü@=( o; cjlwsf] cGTosf] e'QmfgL x'g afFsL bfjL afkt Joj:yf 805 805 0 0Ü
@=!) o; cjlwsf] cGTosf] c;dfKt hf]lvd afkt Joj:yf 350 38,019 -37,669_ –10763ÜaLdflÍo d"Nof+sgsf] cfwf/df Joj:yf jfkt /sd kl/jt{g ePsfn]
# jrt -!_ – -@_ 269,835 256,839#=! hLjg aLdf sf]ifdf ;f/]sf] 256,339 262,995#=@ gfkmf gf]S;fg lx;fadf ;f/]sf] 13,496 -6,156_
Annual Report 2013/2014jflif{s k|ltj]bg @)&)÷@)&!
16 tkfO{+sf] eljio xfd|f] cleef/f
;"of{ nfOkm OG:of]/]G; sDkgL lnld6]8/lhi68{ sfof{noM lj/f6gu/ df]/Ë
s]Gb|Lo sfof{noM rf6{8{ 6fj/, rf}yf] tNnf, ;fgf] uf}r/g, 1fg]Zj/, sf7df8f}+
@)&! cfiff9 d;fGtsf] jf;nftqm=;+= ljj/0f cg';"rL o; aif{ ut aif{
>f]t1 r'Qmf k"FhL !^ 500,000,000 411,300,000 2 hu]8f tyf sf]if !& 125,027,294 49,685,630 3 hLjg aLdf sf]if !! 672,299,114 419,754,692 4 dxf–ljkQL hu]8f !* 9,246,088 – 5 ltg{ afFsL bL3{sflng C0f tyf ;fk6L !( – –
s"n >f]t 1,306,572,496 880,740,322 pkof]u
6 l:y/ ;DkQL -v'b_ @) 21,279,808 11,441,706 7 lb3{sflng nufgL @! 600,895,777 385,866,883 8 aLdfn]vsf] lwtf]df shf{ # 12,313,714 5,306,629 9 cGo lb3{sflng shf{ @# 28,228,602 919,191
rfn' ;DkQL shf{ tyf k]ZsLx? M10 gub tyf a}+s df}Hbft @@ 41,871,495 14,199,816 11 cNksflng nufgL @! 554,190,844 474,530,165 12 cGo cNksflng shf{ @# 456,313 834,473 13 cGo ;DkQL @$ 160,077,477 68,782,977
hDdf -s_ -10±11±12±13_ 756,596,130 558,347,431 rfn' bfloTj tyf Joj:yfx? M
14 rfn' bfloTj @% 62,919,706 70,390,244 15 c;dfKt hf]lvd jfkt Joj:yf @^ 38,018,808 22,914 16 e'QmfgL x'g afFsL bfjL afkt Joj:yf ( 804,856 1,220,379 17 cGo Joj:yf @^ s 10,998,166 9,592,564
hDdf -v_ -14±15±16±17_ 112,741,535 81,226,100 18 v"b rfn' ;DkQL -u_Ö-s_–-v_ 643,854,595 477,121,330 19 ckn]vg jf ;dfof]hg x'g afFsL ljljw vr{x? @& – 84,583 20 gfkmf gf]S;fg lx;faaf6 ;f/]sf] gf]S;fg – –
s"n pkof]u -6±7±8±9±18±19±20_ 1,306,572,496 880,740,322 ;+efljt bfloTjx? tyf cg';"rL #,(,!! tyf !^ b]lv @( ;Dd o;sf cleGg c+u x'g\ .;+efljt bfloTjx?qm=;+= ljj/0f o; aif{ ut aif{1 r'Qmf jf e'QmfgL x'g afFsL nufgL – – 2 k|Tofe"lt k|lta4tf – – 3 aLdfn]v cGtu{t eGbf afx]saf6 aLds pk/ bfjL k/]sf] t/
aLdsn] bfloTj :jLsf/ gu/]sf] . – –
4 aLdsn] jf aLdssf] tkm{af6 lbOPsf] Uof/]06L – – 5 cGo -ljj/0f v'nfpg]_ – –
hDdf – –
cfhsf] ldltsf] ;+nUg k|ltj]bg cg';f/l;=P= /hlgz bfxfn
;fem]bf/b]a P;f]l;6;\
rf6{8{ PsfpG6]G6\;ldltM @)&!.)*.)(:yfgM sf7df08f}
/fdjfj' kGtcWoIf
;+rfnsx¿!_ dx]]z s'df/ cu|jfn@_ x]dGt gfx6f#_ lagf]b s'df/ Kofs'/]n$_ lza l;x+ sfsL{%_ u+uf k|;fb zdf{
lbg]z cdfTo ;xfos dxfk|jGws
/fs]z kf]v/]n;xfos dxfk|jGws
n]vf tyf laQ
17tkfO{+sf] eljio xfd|f] cleef/f
Annual Report 2013/2014jflif{s k|ltj]bg @)&)÷@)&!
;"of{ nfOkm OG:of]/]G; sDkgL lnld6]8/lhi68{ sfof{noM lj/f6gu/ df]/Ë
s]Gb|Lo sfof{noM rf6{8{ 6fj/, rf}yf] tNnf, ;fgf] uf}r/g, 1fg]Zj/, sf7df8f}+
cfly{s aif{ @)&).&! sf] gfkmf gf]S;fg lx;faqm=;+= ljj/0f cg';"rL o; aif{ ut aif{
cfDbfgL1 cfo Joo lx;faaf6 ;f/]sf] !) -6,156,079_ 235,368 2 hLjg aLdf sf]ifaf6 ;f/]sf] !! 10,450,841 11,082,489 3 nufgL shf{ tyf cGoaf6 cfo @ 41,044,693 38,285,732 4 Joj:yf lkmtf{ !@ 173,800 2,232,446 5 cGo cfDbfgL – –
hDdf cfDbfgL -s_ 45,513,255 51,836,035 vr{
6 Joj:yfkg vr{ & 9,601,465 6,172,777 7 ckn]vg vr{ !# – – 8 z]o/ ;DaGwL vr{ !# s 957,804 814,769 9 cGo vr{x? !$ 76,831 91,310 10 gf]S;fgLsf] nflu Joj:yf !% – 31,999 11 sd{rf/L cfjf; Joj:yf @^ s – – 12 sd{rf/L af]g; Joj:yf @^ s 3,170,650 4,065,925
;dfof]lht cfos/ -c_Ö-cf_–-O_ * -12,084,797_ 377,763 14 cf_ cfos/ – – 15 O_ :yug s/ ;DklQ / -bfloTj_ 12,084,797 -377,763_16 hLjg aLdf sf]ifdf ;f/]sf] !! – –
hDdf vr{ -v_ 1,721,953 11,554,543 17 v"b gfkmf ÷-gf]S;fg_ -u_Ö-s_–-v_ 43,791,302 40,281,490 18 cl3Nnf] jif{;+u ;DalGwt vr{ – – 19 cl3Nnf] aif{af6 ;fl/Psf] gfkmf÷-gf]S;fg_ 48,669,581 8,010,328
afF*kmfF*sf] nflu pknAw /sd 92,460,883 48,291,818 20 -s_ :yug s/ hu]8f !& 12,084,797 -377,763_
-v_ k"FhLut hu]8f !& – – -u_ ljz]if hu]8f !& – – -3_ cGo hu]8f !& – – -ª_ k|:tfljt nfef+z – – -c_ af]g; z]o/ !& – – -cf_ gub nfef+z-s/ k|of]hgsf]nflu dfq_ @^ s – – -r_ dxf–ljkQL hu]8f !* 9,246,088 –
21 jf;nftdf ;f/]sf] gfkmf÷-gf]S;fg_ 71,129,998 48,669,581 cg';"rL @,&,*, tyf !) b]lv !%,!& / !* ;Dd o;sf cleGg c+u x'g\ .
cfhsf] ldltsf] ;+nUg k|ltj]bg cg';f/l;=P= /hlgz bfxfn
;fem]bf/b]a P;f]l;6;\
rf6{8{ PsfpG6]G6\;ldltM @)&!.)*.)(:yfgM sf7df08f}
/fdjfj' kGtcWoIf
;+rfnsx¿!_ dx]]z s'df/ cu|jfn@_ x]dGt gfx6f#_ lagf]b s'df/ Kofs'/]n$_ lza l;x+ sfsL{%_ u+uf k|;fb zdf{
lbg]z cdfTo ;xfos dxfk|jGws
/fs]z kf]v/]n;xfos dxfk|jGws
n]vf tyf laQ
Annual Report 2013/2014jflif{s k|ltj]bg @)&)÷@)&!
18 tkfO{+sf] eljio xfd|f] cleef/f
;"of{ nfOkm OG:of]/]G; sDkgL lnld6]8/lhi68{ sfof{noM lj/f6gu/ df]/Ë
s]Gb|Lo sfof{noM rf6{8{ 6fj/, rf}yf] tNnf, ;fgf] uf}r/g, 1fg]Zj/, sf7df8f}+
cfly{s aif{ @)&).&! sf] Plss[t cfo Joo lx;fj
qm=;+= ljj/0f cg';"rL o; aif{ ut aif{cfo
1 aLdfz'Ns -v"b_ ! 381,770,757 213,238,552
2 k'gaL{df sldzg cfo 2,506,868 187,473
3 nufgL, shf{ tyf cGoaf6 cfo @ 65,135,906 39,410,004
4 aLdfn]vsf] lwtf]df shf{af6 cfo # 965,535 385,951
5 cGo k|ToIf cfo 1,041,118 1,376,778
6 cfly{s aif{sf] z'?sf] e'QmfgL x'g afFsL bfjL afkt Joj:yf 1,220,379 1,157,902 7 cfly{s aif{sf] z'?sf] c;dfKt hf]]lvd afkt Joj:yf 22,914 65,832
hDdf cfo -s_ 452,663,477 255,822,492 Joo
8 bfjL e'QmfgL -v'b_ $ 12,527,664 4,597,447
9 clestf{ sldzg % 50,345,259 27,865,165
10 :jf:Yo k/LIf0f z'Ns 1,239,660 556,248 11 k'gaL{df sldzg vr{ – –
12 ;]jf z'Ns -v'b_ ^ 3,817,707 2,136,134
13 cGo k|ToIf vr{ 244,197 87,466
14 Joj:yfkg vr{ & 88,826,142 42,991,103
15 cfos/ * – – 16 cfly{s aif{sf] cGTodf e'QmfgL x'g afFsL bfjL afkt Joj:yf ( 804,856 1,220,379 17 cfly{s aif{sf] cGTodf c;dfKt hf]lvd afkt Joj:yf 38,018,808 22,914
hDdf Joo -v_ 195,824,293 79,476,855 18 hLjg ladf sf]ifdf ;f/]sf] art Ö-s_–-v_ 262,995,263 176,110,270 19 gfkmf gf]S;fg lx;fjdf ;f/]sf] art / -gf]S;fgL_ -6,156,079_ 235,368
cg';"rL ! b]lv ( ;Dd o;sf cleGg c+u x'g\ .
cfhsf] ldltsf] ;+nUg k|ltj]bg cg';f/l;=P= /hlgz bfxfn
;fem]bf/b]a P;f]l;6;\
rf6{8{ PsfpG6]G6\;ldltM @)&!.)*.)(:yfgM sf7df08f}
/fdjfj' kGtcWoIf
;+rfnsx¿!_ dx]]z s'df/ cu|jfn@_ x]dGt gfx6f#_ lagf]b s'df/ Kofs'/]n$_ lza l;x+ sfsL{%_ u+uf k|;fb zdf{
lbg]z cdfTo ;xfos dxfk|jGws
/fs]z kf]v/]n;xfos dxfk|jGws
n]vf tyf laQ
19tkfO{+sf] eljio xfd|f] cleef/f
Annual Report 2013/2014jflif{s k|ltj]bg @)&)÷@)&!
;"of{ nfOkm OG:of]/]G; sDkgL lnld6]8/lhi68{ sfof{noM lj/f6gu/ df]/Ë
s]Gb|Lo sfof{noM rf6{8{ 6fj/, rf}yf] tNnf, ;fgf] uf}r/g, 1fg]Zj/, sf7df8f}+
cfly{s aif{ @)&).&! sf] ;fjlws hLjg aLdfsf] cfo Joo lx;fa d'gfkmfdf ;l/s x'g]
qm=;+= ljj/0f cg';"rL o; aif{ ut aif{
cfo 1 aLdfz'Ns -v"b_ ! 276,078,884 171,212,360
2 k'gaL{df sldzg cfo 762,580 114,579
3 nufgL, shf{ tyf cGoaf6 cfo @ 50,464,695 31,651,690
4 aLdfn]vsf] lwtf]df shf{af6 cfo # 661,793 265,996
5 cGo k|ToIf cfo 816,964 1,086,210
6 cfly{s aif{sf] z'?sf] e'QmfgL x'g afFsL bfjL afkt Joj:yf 977,441 801,442 7 cfly{s aif{sf] z'?sf] c;dfKt hf]]lvd afkt Joj:yf – –
hDdf cfo -s_ 329,762,357 205,132,277 Joo
8 bfjL e'QmfgL -v'b_ $ 7,124,722 3,259,017
9 clestf{ sldzg % 33,809,850 21,622,740
10 :jf:Yo k/LIf0f z'Ns 869,526 439,534 11 k'gaL{df sldzg vr{ – –
12 ;]jf z'Ns -v'b_ ^ 2,760,789 1,715,127
13 cGo k|ToIf vr{ 93,230 70,811
14 Joj:yfkg vr{ & 69,401,963 34,605,766
15 cfos/ * – – 16 cfly{s aif{sf] cGTodf e'QmfgL x'g afFsL bfjL afkt Joj:yf ( 352,188 977,441 17 cfly{s aif{sf] cGTodf c;dfKt hf]lvd afkt Joj:yf – –
hDdf Joo -v_ 114,412,268 62,690,436 18 hLjg ladf sf]ifdf ;f/]sf] art Ö -s_–-v_ 215,350,090 142,441,841 19 gfkmf gf]S;fg lx;fjdf ;f/]sf] art / -gf]S;fgL_ – –
cg';"rL ! b]lv ( ;Dd o;sf cleGg c+u x'g\ .
cfhsf] ldltsf] ;+nUg k|ltj]bg cg';f/l;=P= /hlgz bfxfn
;fem]bf/b]a P;f]l;6;\
rf6{8{ PsfpG6]G6\;ldltM @)&!.)*.)(:yfgM sf7df08f}
/fdjfj' kGtcWoIf
;+rfnsx¿!_ dx]]z s'df/ cu|jfn@_ x]dGt gfx6f#_ lagf]b s'df/ Kofs'/]n$_ lza l;x+ sfsL{%_ u+uf k|;fb zdf{
lbg]z cdfTo ;xfos dxfk|jGws
/fs]z kf]v/]n;xfos dxfk|jGws
n]vf tyf laQ
Annual Report 2013/2014jflif{s k|ltj]bg @)&)÷@)&!
20 tkfO{+sf] eljio xfd|f] cleef/f
;"of{ nfOkm OG:of]/]G; sDkgL lnld6]8/lhi68{ sfof{noM lj/f6gu/ df]/Ë
s]Gb|Lo sfof{noM rf6{8{ 6fj/, rf}yf] tNnf, ;fgf] uf}r/g, 1fg]Zj/, sf7df8f}+
cfly{s aif{ @)&).&! sf] clu|d e'QmfgL ;fjlws hLjg aLdfsf] cfo Joo lx;fa d'gfkmfdf ;l/s x'g]
qm=;+= ljj/0f cg';"rL o; aif{ ut aif{
cfo 1 aLdfz'Ns -v"b_ ! 31,199,733 17,341,369
2 k'gaL{df sldzg cfo 146,206 32,080
3 nufgL, shf{ tyf cGoaf6 cfo @ 4,787,562 3,049,129
4 aLdfn]vsf] lwtf]df shf{af6 cfo # 133,602 64,519
5 cGo k|ToIf cfo 90,960 124,631
6 cfly{s aif{sf] z'?sf] e'QmfgL x'g afFsL bfjL afkt Joj:yf 120,750 4,272 7 cfly{s aif{sf] z'?sf] c;dfKt hf]]lvd afkt Joj:yf – –
hDdf cfo -s_ 36,478,813 20,616,000 Joo
8 bfjL e'QmfgL -v'b_ $ 4,557,830 835,564
9 clestf{ sldzg % 5,607,288 2,585,695
10 :jf:Yo k/LIf0f z'Ns 172,082 59,211 11 k'gaL{df sldzg vr{ – –
12 ;]jf z'Ns -v'b_ ^ 311,997 173,720
13 cGo k|ToIf vr{ 10,171 5,652
14 Joj:yfkg vr{ & 7,406,325 3,445,276
15 cfos/ * – – 16 cfly{s aif{sf] cGTodf e'QmfgL x'g afFsL bfjL afkt Joj:yf ( 207,661 120,750 17 cfly{s aif{sf] cGTodf c;dfKt hf]lvd afkt Joj:yf – –
hDdf Joo -v_ 18,273,354 7,225,868 18 hLjg ladf sf]ifdf ;f/]sf] art Ö -s_–-v_ 18,205,459 13,390,132 19 gfkmf gf]S;fg lx;fjdf ;f/]sf] art / -gf]S;fgL_ – –
cg';"rL ! b]lv ( ;Dd o;sf cleGg c+u x'g\ .
cfhsf] ldltsf] ;+nUg k|ltj]bg cg';f/l;=P= /hlgz bfxfn
;fem]bf/b]a P;f]l;6;\
rf6{8{ PsfpG6]G6\;ldltM @)&!.)*.)(:yfgM sf7df08f}
/fdjfj' kGtcWoIf
;+rfnsx¿!_ dx]]z s'df/ cu|jfn@_ x]dGt gfx6f#_ lagf]b s'df/ Kofs'/]n$_ lza l;x+ sfsL{%_ u+uf k|;fb zdf{
lbg]z cdfTo ;xfos dxfk|jGws
/fs]z kf]v/]n;xfos dxfk|jGws
n]vf tyf laQ
21tkfO{+sf] eljio xfd|f] cleef/f
Annual Report 2013/2014jflif{s k|ltj]bg @)&)÷@)&!
;"of{ nfOkm OG:of]/]G; sDkgL lnld6]8/lhi68{ sfof{noM lj/f6gu/ df]/Ë
s]Gb|Lo sfof{noM rf6{8{ 6fj/, rf}yf] tNnf, ;fgf] uf}r/g, 1fg]Zj/, sf7df8f}+
cfly{s aif{ @)&).&! sf] ?kfGtl/t ;fjlws Pj+ cfhLjg hLjg aLdfsf] cfo Joo lx;fa d'gfkmfdf ;l/s x'g]
qm=;+= ljj/0f cg';"rL o; aif{ ut aif{
cfo 1 aLdfz'Ns -v"b_ ! 39,517,615 24,638,996
2 k'gaL{df sldzg cfo 181,006 40,814
3 nufgL, shf{ tyf cGoaf6 cfo @ 7,031,513 4,534,562
4 aLdfn]vsf] lwtf]df shf{af6 cfo # 170,140 55,436
5 cGo k|ToIf cfo 133,194 165,937
6 cfly{s aif{sf] z'?sf] e'QmfgL x'g afFsL bfjL afkt Joj:yf 122,188 237,188 7 cfly{s aif{sf] z'?sf] c;dfKt hf]]lvd afkt Joj:yf – –
hDdf cfo -s_ 47,155,656 29,672,933 Joo
8 bfjL e'QmfgL -v'b_ $ 845,112 402,866
9 clestf{ sldzg % 6,470,552 3,646,703
10 :jf:Yo k/LIf0f z'Ns 197,852 53,711 11 k'gaL{df sldzg vr{ – –
12 ;]jf z'Ns -v'b_ ^ 395,176 246,827
13 cGo k|ToIf vr{ 15,416 11,003
14 Joj:yfkg vr{ & 9,546,826 4,911,339
15 cfos/ * – – 16 cfly{s aif{sf] cGTodf e'QmfgL x'g afFsL bfjL afkt Joj:yf ( 245,008 122,188 17 cfly{s aif{sf] cGTodf c;dfKt hf]lvd afkt Joj:yf – –
hDdf Joo -v_ 17,715,942 9,394,637 18 hLjg ladf sf]ifdf ;f/]sf] art Ö -s_–-v_ 29,439,715 20,278,297 19 gfkmf gf]S;fg lx;fjdf ;f/]sf] art / -gf]S;fgL_ – –
cg';"rL ! b]lv ( ;Dd o;sf cleGg c+u x'g\ .
cfhsf] ldltsf] ;+nUg k|ltj]bg cg';f/l;=P= /hlgz bfxfn
;fem]bf/b]a P;f]l;6;\
rf6{8{ PsfpG6]G6\;ldltM @)&!.)*.)(:yfgM sf7df08f}
/fdjfj' kGtcWoIf
;+rfnsx¿!_ dx]]z s'df/ cu|jfn@_ x]dGt gfx6f#_ lagf]b s'df/ Kofs'/]n$_ lza l;x+ sfsL{%_ u+uf k|;fb zdf{
lbg]z cdfTo ;xfos dxfk|jGws
/fs]z kf]v/]n;xfos dxfk|jGws
n]vf tyf laQ
Annual Report 2013/2014jflif{s k|ltj]bg @)&)÷@)&!
22 tkfO{+sf] eljio xfd|f] cleef/f
;"of{ nfOkm OG:of]/]G; sDkgL lnld6]8/lhi68{ sfof{noM lj/f6gu/ df]/Ë
s]Gb|Lo sfof{noM rf6{8{ 6fj/, rf}yf] tNnf, ;fgf] uf}r/g, 1fg]Zj/, sf7df8f}+
cfly{s aif{ @)&).&! sf] a}b]lzs /f]huf/ DofbL hLjg aLdfsf] cfo Joo lx;fa
qm=;+= ljj/0f cg';"rL o; aif{ ut aif{
cfo 1 aLdfz'Ns -v"b_ ! 34,936,910 –
2 k'gaL{df sldzg cfo 1,394,510 –
3 nufgL, shf{ tyf cGoaf6 cfo @ 2,844,738 –
4 aLdfn]vsf] lwtf]df shf{af6 cfo # – –
5 cGo k|ToIf cfo – –
6 cfly{s aif{sf] z'?sf] e'QmfgL x'g afFsL bfjL afkt Joj:yf – – 7 cfly{s aif{sf] z'?sf] c;dfKt hf]]lvd afkt Joj:yf – –
hDdf cfo -s_ 39,176,158 – Joo
8 bfjL e'QmfgL -v'b_ $ – –
9 clestf{ sldzg % 4,457,569
10 :jf:Yo k/LIf0f z'Ns – – 11 k'gaL{df sldzg vr{ – –
12 ;]jf z'Ns -v'b_ ^ 349,369 –
13 cGo k|ToIf vr{ 125,380 –
14 Joj:yfkg vr{ & 2,412,961 –
15 cfos/ * – – 16 cfly{s aif{sf] cGTodf e'QmfgL x'g afFsL bfjL afkt Joj:yf ( – – 17 cfly{s aif{sf] cGTodf c;dfKt hf]lvd afkt Joj:yf 38,000,000 –
hDdf Joo -v_ 45,345,279 – 18 hLjg ladf sf]ifdf ;f/]sf] art Ö -s_–-v_ – – 19 gfkmf gf]S;fg lx;fjdf ;f/]sf] art / -gf]S;fgL_ -6,169,121_ –
cg';"rL ! b]lv ( ;Dd o;sf cleGg c+u x'g\ .
cfhsf] ldltsf] ;+nUg k|ltj]bg cg';f/l;=P= /hlgz bfxfn
;fem]bf/b]a P;f]l;6;\
rf6{8{ PsfpG6]G6\;ldltM @)&!.)*.)(:yfgM sf7df08f}
/fdjfj' kGtcWoIf
;+rfnsx¿!_ dx]]z s'df/ cu|jfn@_ x]dGt gfx6f#_ lagf]b s'df/ Kofs'/]n$_ lza l;x+ sfsL{%_ u+uf k|;fb zdf{
lbg]z cdfTo ;xfos dxfk|jGws
/fs]z kf]v/]n;xfos dxfk|jGws
n]vf tyf laQ
23tkfO{+sf] eljio xfd|f] cleef/f
Annual Report 2013/2014jflif{s k|ltj]bg @)&)÷@)&!
;"of{ nfOkm OG:of]/]G; sDkgL lnld6]8/lhi68{ sfof{noM lj/f6gu/ df]/Ë
s]Gb|Lo sfof{noM rf6{8{ 6fj/, rf}yf] tNnf, ;fgf] uf}r/g, 1fg]Zj/, sf7df8f}+
cfly{s aif{ @)&).&! sf] DofbL hLjg aLdfsf] cfo Joo lx;fa d'gfkmfdf ;l/s gx'g]
qm=;+= ljj/0f cg';"rL o; aif{ ut aif{
cfo 1 aLdfz'Ns -v"b_ ! 37,615 45,827
2 k'gaL{df sldzg cfo 22,566 –
3 nufgL, shf{ tyf cGoaf6 cfo @ 7,398 174,623
4 aLdfn]vsf] lwtf]df shf{af6 cfo # – –
5 cGo k|ToIf cfo – –
6 cfly{s aif{sf] z'?sf] e'QmfgL x'g afFsL bfjL afkt Joj:yf – 115,000 7 cfly{s aif{sf] z'?sf] c;dfKt hf]]lvd afkt Joj:yf 22,914 65,832
hDdf cfo -s_ 90,493 401,282 Joo
8 bfjL e'QmfgL -v'b_ $ – 100,000
9 clestf{ sldzg % – 10,027
10 :jf:Yo k/LIf0f z'Ns 200 3,792 11 k'gaL{df sldzg vr{ – –
12 ;]jf z'Ns -v'b_ ^ 376 460
13 cGo k|ToIf vr{ – –
14 Joj:yfkg vr{ & 58,067 28,722
15 cfos/ * – – 16 cfly{s aif{sf] cGTodf e'QmfgL x'g afFsL bfjL afkt Joj:yf ( – – 17 cfly{s aif{sf] cGTodf c;dfKt hf]lvd afkt Joj:yf 18,808 22,914
hDdf Joo -v_ 77,451 165,915 18 hLjg ladf sf]ifdf ;f/]sf] art Ö-s_–-v_ – – 19 gfkmf gf]S;fg lx;fjdf ;f/]sf] art / -gf]S;fgL_ 13,042 235,368
cg';"rL ! b]lv ( ;Dd o;sf cleGg c+u x'g\ .
cfhsf] ldltsf] ;+nUg k|ltj]bg cg';f/l;=P= /hlgz bfxfn
;fem]bf/b]a P;f]l;6;\
rf6{8{ PsfpG6]G6\;ldltM @)&!.)*.)(:yfgM sf7df08f}
/fdjfj' kGtcWoIf
;+rfnsx¿!_ dx]]z s'df/ cu|jfn@_ x]dGt gfx6f#_ lagf]b s'df/ Kofs'/]n$_ lza l;x+ sfsL{%_ u+uf k|;fb zdf{
lbg]z cdfTo ;xfos dxfk|jGws
/fs]z kf]v/]n;xfos dxfk|jGws
n]vf tyf laQ
Annual Report 2013/2014jflif{s k|ltj]bg @)&)÷@)&!
24 tkfO{+sf] eljio xfd|f] cleef/f
;"of{ nfOkm OG:of]/]G; sDkgL lnld6]8/lhi68{ sfof{noM lj/f6gu/ df]/Ë
s]Gb|Lo sfof{noM rf6{8{ 6fj/, rf}yf] tNnf, ;fgf] uf}r/g, 1fg]Zj/, sf7df8f}+
'@)&).$.! b]lv @)&! cfiff9 d;fGt;Ddsf] gub k|jfxsf] ljj/0f
qm=;+= ljj/0f cg';"rL o; aif{ ut aif{s sf/f]af/ ;+rfngaf^ gub k|jfx M
aLdf z'Ns cfDbfgL 415,050,310 216,515,231 ljnDa z'Ns cfDbfgL 1,030,076 1,371,121 k'gaL{df z'Ns cfDbfgL – – k'gaL{df sldzg cfDbfgL 2,506,868 187,473 cGo k|ToIf cfDbfgL 11,043 391,609 k'gaL{dsaf6 k|fKt bfjL l/se/L 1,862,012 337,827 k'gaL{df z'Ns e'QmfgL -12,081,106_ -2,755,344_k'gaL{df sldzg e'QmfgL – – clestf{ sldzg e'QmfgL -48,275,381_ -29,925,643_:jf:Yo k/LIf0f z'Ns e'QmfgL -1,239,660_ -556,248_d[To' bfjL e'QmfgL -4,401,647_ -2,217,413_cjlw ;dfKtL bfjL e'QmfgL – – cf+lzs cjlw ;dfKtL bfjL e'QmfgL -4,438,855_ – ;dk{0f d"No bfjL e'QmfgL -5,549,174_ -2,717,861_cGo bfjL e'QmfgL – – ;]jf z'Ns e'QmfgL -2,167,026_ -1,619,271_cGo k|ToIf vr{ -244,197_ -87,466_Joj:yfkg vr{ e'QmfgL -87,842,306_ -52,557,602_sd{rf/L af]g; e'QmfgL -4,065,925_ -2,924,479_cfos/ e'QmfgL -13,615,351_ -10,926,926_Rffn' ;DklQdf -j[l4_÷sdL -44,167,900_ -15,077,979_Rffn' bfloTjdf j[l4÷-sdL_ -36,731,585_ 52,368,801 sf/f]af/ ;+rfngaf^ v"b gub k|jfx -s_ 155,640,196 149,805,830
v nufgL ultljwLaf^ gub k|jfxl:y/ ;DklQdf -j[l4_ sdL -14,556,691_ -5,846,829_;/sf/L / ;/sf/sf] hdfgt k|fKt ;]So"l/6Ldf nufgLdf -j[l4_ sdL 10,725,000 – a}+s tyf ljQLo ;+:yfsf] d'2tL lgIf]kdf nufgLdf -j[l4_ sdL -327,500,000_ -86,000,000_a}+s tyf ljQLo ;+:yfsf] cGo lgIf]k nufgLdf -j[l4_ sdL 28,439,320 -63,913,103_OSo"6L z]o/ nufgLdf -j[l4_ sdL -6,353,894_ -27,010,642_cu|flwsf/ z]o/÷l8j]Gr/df nufgLdf -j[l4_ sdL – – cGo nufgLdf -j[l4_ sdL – – aLdfn]vsf] lwtf]df shf{df -j[l4_ sdL -7,007,085_ -3,652,275_k]ZsL tyf cGo shf{df -j[l4_ sdL -26,931,251_ -520,754_e'QmfgL k|fKt Aofh cfDbfgL -nufgLdf_ 97,007,794 72,278,370 e'QmfgL k|fKt l8le8]G8 997,426 241,316 ef8f cfDbfgL – – e'QmfgL k|fKt Aofh cfDbfgL -shf{df_ 377,412 157,500 cGo ck|ToIf cfDbfgL / vr{ 461,665 188,637 nufgL ultljwLaf^ v"b gub k|jfx -v_ -244,340,303_ -114,077,778_
u ljQLo >f]t sf/f]af/af^ gub k|jfxz]o/af6 k|fKt /sd 116,371,786 – ltg{ afFsL ;fk6Ldf -j[l4_÷sdL – – cNksflng C0fdf -j[l4_÷sdL – -32,575,052_C0f ;fk6Ldf Aofh e'QmfgL – – nfef+z e'QmfgL – – ljQLo >f]t sf/f]af/af^ v"b gub k|jfx -u_ 116,371,786 -32,575,052_o; jif{sf] ;Dk")f{ ultljwLaf6 v"b gub k|jfx = -s_±-v_±-u_ 27,671,679 3,152,999 gub tyf a}+sdf /x]sf] z'? df}Hbft 14,199,816 11,046,817 gub tyf a}+sdf /x]sf] clGtd df}Hbft 41,871,495 14,199,816
cfhsf] ldltsf] ;+nUg k|ltj]bg cg';f/l;=P= /hlgz bfxfn
;fem]bf/b]a P;f]l;6;\
rf6{8{ PsfpG6]G6\;ldltM @)&!.)*.)(:yfgM sf7df08f}
/fdjfj' kGtcWoIf
;+rfnsx¿!_ dx]]z s'df/ cu|jfn@_ x]dGt gfx6f#_ lagf]b s'df/ Kofs'/]n$_ lza l;x+ sfsL{%_ u+uf k|;fb zdf{
lbg]z cdfTo ;xfos dxfk|jGws
/fs]z kf]v/]n;xfos dxfk|jGws
n]vf tyf laQ
25tkfO{+sf] eljio xfd|f] cleef/f
Annual Report 2013/2014jflif{s k|ltj]bg @)&)÷@)&!
;"o
f{ nfO
km O
G:o
f]/]G;
sDk
gL l
nld
6]8/lhi6
8{ sfo
f{noM lj/f6g
u/
df]/Ë
s]Gb
|Lo s
fof{n
oM rf6{8{ 6
fj/, r
f}yf] tNn
f, ;fg
f] uf}r
/g, 1fg
]Zj/, s
f7df8
f}+
cf=j
@)&
).&!
df OS
o"6Ld
f ePs
f] kl/j
t{g ;
DaGw
L ljj/
0f
ljj/
0fz]o
/ k"FhL
;+lrt
gfkmf
÷gf]S;f
g
k|:tfljt
af]g;
z]o
/
k"FhL
ut
hu]8f
sf
]ifz]o
/ lk|ld
odljz]i
f hu
]8f
sf]if
cGo
hu]8f
ty
f sf]if
-:yug
s/
hu]8f
_
dxflj
kQL
hu]8f
s"n /
sd
z'?
df}Hb
ft 4
11,300
,000
4
8,66
9,58
2 –
–
–
–
1
,016
,048
–
460
,985
,630
;df
of]hg
–
-24
6,448_
–
–
–
–
13,37
1,11
2 –
1
3,12
4,664
k|:tf
ljt
af]g;
z]o/
hf/L
–
–
–
k|:tf
ljt
af]g;
z]o/
–
–
–
–
–
o; j
if{sf] r'Qm
f k"+h
L -xsk|b
z]o/
hf/L _
88,
700,00
0 –
–
–
–
–
–
–
8
8,70
0,00
0
z]o/
lk|ld
od 2
7,67
1,78
6
o; j
if{sf] gf
kmf gf
]S;fg
lx;fjaf
6 ;f/]sf]
–
43,79
1,30
2 –
–
–
–
4
3,79
1,30
2
dxflj
kQL hu]*
f -9,24
6,08
8_ 9
,246,08
8
:yug
s/
hu]*
f –
-12
,084
,797
_ –
–
–
–
1
2,08
4,797
–
–
gub
nfe
f+z-s
/ k|o
f]hgs
f] nflu
dfq_
–
–
–
–
–
–
–
–
clGtd
df}Hb
ft 5
00,000
,000
7
0,88
3,55
0 –
–
27
,671
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–
26
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,958
9,24
6,08
8 63
4,27
3,38
2
cfh
sf] ld
ltsf] ;+nUg
k|lt
j]bg c
g';f/
l;=P= /h
lgz b
fxfn
;fe
m]bf/
b]a P
;f]l;
6;\
rf6{8{ P
sfp
G6]G6
\;ld
ltM @)
&!.)*.)(
:yfg
M sf7df08f}
/fdjfj'
kGt
cWo
If
;+rfn
sx¿
!_ dx]]z
s'df/ c
u|jfn
@_ x]d
Gt g
fx6f
#_ lagf]b s
'df/ Kofs
'/]n$_ lza l;x+
sfs
L{%_
u+uf k|;
fb z
df{
lbg]z c
dfTo
;xfos d
xfk|j
Gws
/fs]z k
f]v/]n
;xfos d
xfk|j
Gws
n]vf tyf laQ
Annual Report 2013/2014jflif{s k|ltj]bg @)&)÷@)&!
26 tkfO{+sf] eljio xfd|f] cleef/f
^ ljQLo ljj/0fsf] cleGg c+usf] ?kdf /xg] cg';"rLx?cg';"rL–!-s_ v"b aLdfz'Ns
qm=;+= aLdfsf] lsl;ds"n aLdfz'Ns k'gaL{df z'Ns e'QmfgL (Ceded) aLdfz'Ns -v"b_
o; jif{ ut jif{ o; jif{ ut jif{ o; jif{ ut jif{
1;fjlws hLjg aLdfsf] cfo Joo
lx;fadf ;f/]sf] 279,714,347 173,468,734 3,635,463 2,256,374 76,078,884 71,212,360
2clu|d e'QmfgL ;fjlws hLjg
aLdfsf] cfo Joo lx;fadf ;f/]sf] 31,9 28,610 17,718,608 728,877 377,239 31,199,733 17,341,369
3?kfGtl/t ;fjlws Pj+ cfhLjg hLjg
aLdfsf] cfo Joo lx;fadf ;f/]sf] 40,375,032 25,188,406 857,417 549,410 39,517,615 24,638,996
4j}b]lzs /f]huf/ DofbL hLjg aLdfsf]
cfo Joo lx;fadf ;f/]sf] 62,827,107 – 27,890,197 – 34,936,910 –
5 DofbL hLjg aLdf 205,214 139,483 167,599 93,656 37,615 45,827
hDdf 415,050,310 216,515,231 33,279,553 3,276,679 381,770,757 213,238,552
-v_ s'n aLdfz'Ns
qm=;+= aLdfsf] lsl;dk|ToIf aLdfz'Ns k|fKt k'gaL{df z'Ns (accepted) s"n aLdfz'Ns
o; jif{ ut jif{ o; jif{ ut jif{ o; jif{ ut jif{
1;fjlws hLjg aLdfsf] cfo Joo
lx;fadf ;f/]sf]
279,714,347
173,468,734 – –
279,714,347
173,468,734
2clu|d e'QmfgL ;fjlws hLjg
aLdfsf] cfo Joo lx;fadf ;f/]sf] 31,928,610 17,718,608 – – 31,928,610 17,718,608
3?kfGtl/t ;fjlws Pj+ cfhLjg hLjg
aLdfsf] cfo Joo lx;fadf ;f/]sf] 40,375,032 25,188,406 – – 40,375,032 25,188,406
4j}b]lzs /f]huf/ DofbL hLjg aLdfsf]
cfo Joo lx;fadf ;f/]sf] 62,827,107 – – – 62,827,107 –
5 DofbL hLjg aLdf 205,214 139,483 – – 205,214 139,483
hDdf 415,050,310 216,515,231 – – 415,050,310 216,515,231
-u_ k|ToIf aLdfz'Ns
qm=;+= aLdfsf] lsl;dk|yd aif{sf] aLdfz'Ns gjLs/0f aLdfz'Ns Psn aLdfz'Ns hDdf k|ToIf aLdfz'Ns
o; aif{ ut aif{ o; aif{ ut aif{ o; aif{ ut aif{ o; aif{ ut aif{1 ;fjlws hLjg aLdf 95,457,530 53,735,373 143,685,998 119,733,361 40,570,819 – 279,714,347 173,468,734
2 clu|d e'QmfgL
;fjlws hLjg aLdf
17,535,114 6,146,190 14,393,496 11,572,418 – – 31,928,610 17,718,608
3 ?kfGtl/t ;fjlws Pj+
cfhLjg hLjg aLdf
19,939,613 9,181,149 20,435,419 16,007,257 – – 40,375,032
25,188,406
4 j}b]lzs /f]huf/ DofbL
hLjg aLdf
– – – – 62,827,107 – 62,827,107 –
5 DofbL hLjg aLdf 205,214 139,483 – – – – 205,214 139,483
hDdf 133,137,471 69,202,195 178,514,913 147,313,036 103,397,926 – 415,050,310 16,515,231
27tkfO{+sf] eljio xfd|f] cleef/f
Annual Report 2013/2014jflif{s k|ltj]bg @)&)÷@)&!
cg';"rL–@nufgL, shf{ tyf cGoaf6 cfoqm=;+= ljj/0f o; aif{ ut aif{1= ;/sf/L / ;/sf/sf] hdfgt k|fKt ;]So"l/6Laf6 cfo 6,578,213 6,663,695 2= jfl0fHo a}+ssf] d'2tL lgIf]kaf6 cfo 62,335,110 54,140,544 3= ljsf; a}+ssf] d'2tL lgIf]kaf6 cfo 9,710,030 4,202,926 4= gful/s nufgL of]hgfaf6 cfo – – 5= ljQLo ;+:yfsf] d'2tL lgIf]kaf6 cfo 7,212,377 5,090,445 6= cfjf; ljQ sDkgLsf] ;fwf/0f z]o/af6 nfef+z – – 7= cGo klAns sDkgLsf] ;fwf/0f z]o/af6 nfef+z 997,426 241,316 8= a}+s tyf ljQLo ;+:yfsf] cu|flwsf/ z]o/af6 nfef+z – – 9= a}+s tyf ljQLo ;+:yfsf] l8j]Gr/af6 cfo 6,347,547 5,741,602 10= cGo -ljj/0f v'nfpg]_ af6 cfo11= shf{af6 cfo 412,612 144,746 12= cGo lgIf]kaf6 -d'2tL afx]s_ cfo 1,589,940 1,170,651 13= nufgL laqmLdf gfkmf 10,948,244 352,397
Go"g nufgL laqmLdf gf]S;fg – – 14= nufgL -v/Lb_ df gfkmf – –
Go"g nufgL -v/Lb_ df gf]S;fg -84,583_ -96,477_15= l:y/ ;DkQL laqmLaf6 gfkmf 84,631 –
Go"g l:y/ ;DkQL laqmLaf^ gf]S;fg16= vftf ckn]vg – – 17= cl3Nnf jif{;+u ;DalGwt cfo – – 18= cGo cfo 49,053 43,891
hDdf 106,180,600 77,695,736 nufgL, shf{ tyf cGoaf^ cfosf] afF*kmfF*
1= gfkmf gf]S;fg lx;fadf ;f/]sf] 41,044,693 38,285,732 2= ;fjlws hLjg aLdfsf] cfo Joo lx;fadf ;f/]sf] 50,464,695 31,651,690 3= clu|d e'QmfgL ;fjlws hLjg aLdfsf] cfo Joo lx;fadf ;f/]sf] 4,787,562 3,049,129 4= ?kfGtl/t ;fjlws Pj+ cfhLjg hLjg aLdfsf] cfo Joo lx;fadf ;f/]sf] 7,031,513 4,534,562 5= j}b]lzs /f]huf/ DofbL hLjg aLdfsf] cfo Joo lx;fadf ;f/]sf] 2,844,738 – 6= DofbL hLjg aLdfsf] cfo Joo lx;fadf ;f/]sf] 7,398 174,623
hDdf 106,180,599 77,695,736
cg';"rL–#aLdfn]vsf] lwtf]df shf{ / cfo
qm=;+= aLdfsf] lsl;daLdfn]vsf] lwtf]df shf{ aLdfn]vsf] lwtf]df shf{af6 cfoo; aif{ ut aif{ o; aif{ ut aif{
1 ;fjlws hLjg aLdf 8,367,000 3,614,588 661,793 265,996 2 clu|d e'QmfgL ;fjlws hLjg aLdf 1,134,235 986,671 133,602 64,519 3 ?kfGtl/t ;fjlws Pj+ cfhLjg hLjg aLdf 2,812,479 705,370 170,140 55,436 4 j}b]lzs /f]huf/ DofbL hLjg aLdf – – – – 5 DofbL hLjg aLdf – – – –
hDdf 12,313,714 5,306,629 965,535 385,951
Annual Report 2013/2014jflif{s k|ltj]bg @)&)÷@)&!
28 tkfO{+sf] eljio xfd|f] cleef/f
cg';
"rL–$
bfjL e'QmfgL
qm=;+=
aLdfs
f] lsl
;d
d[To" bf
jL e'Q
mfgL
cjlw
;dfKt
L bfj
L e'Qmf
gLcf+l
zs c
jlw ;
dfKtL
bfjL e
'QmfgL
;dk{0
f d"No
bfjL e
'QmfgL
cGo
bfjL e
'QmfgL
s"n bf
jL e'Q
mfgL
s"n bf
jL e'Q
mfgLdf
k'g
aL{dss
f] lx::
ffbfj
L e'Qmf
gL -v
'b_
o; j
if{ut
jif{
o; j
if{ut
jif
{o;
jif{
ut j
if{o;
jif{
ut j
if{o;
jif{
ut j
if{o;
jif{
ut j
if{o;
jif{
ut j
if{o;
jif{
ut j
if{
1;f
jlws
hLjg
aLd
f 3,
342,0
81
1,352
,448
–
– 2
90,85
5 –
4,90
8,798
2
,244,
396
– –
8,54
1,734
3,
596,8
44
1,4
17,01
2 33
7,827
7
,124,
722
3,25
9,017
2cl
u|d e
'QmfgL
;fjl
w s
hLjg
aLd
f 1
71,04
1 5
53,71
5 –
– 4
,148,0
00
– 2
38,78
9 2
81,84
9 –
– 4
,557,8
30
835
,564
– –
4,55
7,830
8
35,56
4
3?k
fGtl/t
;fjl
ws P
j+ cf
hLjg
hLjg
aLd
f 8
88,52
5 2
11,25
0 –
– –
– 4
01,58
7 1
91,61
6 –
– 1
,290,1
12
402
,866
445
,000
– 8
45,11
2 4
02,86
6
4j}b
]lzs
/f]huf/
DofbL
hLjg
aLd
f –
– –
– –
– –
– –
– –
– –
– –
–
5Do
fbL h
Ljg a
Ldf
– 1
00,00
0 –
– –
– –
– –
– –
100
,000
– –
– 1
00,00
0
hDdf
4,4
01,64
7 2
,217,4
13
– –
4,4
38,85
5 –
5,54
9,174
2
,717,8
61
– –
14,
389,6
76
4,93
5,274
1
,862,0
12
337,8
27
12,52
7,664
4
,597,4
47
29tkfO{+sf] eljio xfd|f] cleef/f
Annual Report 2013/2014jflif{s k|ltj]bg @)&)÷@)&!
cg';
"rL–%
clestf{ sldzg
qm=;
+=aLdf
sf] ls
l;d
k|yd
aif{s
f] aLdf
z'Ns
df
cle
stf{ s
ldzg
gjLs
/0f aLdf
z'Ns
df c
lestf{
sld
zg
Psn a
Ldfz
'Nsdf
cle
stf{ s
ldzg
hDd
f cle
stf{ s
ldzg
o; j
if{ut
jif{
o; j
if{ut
jif{
o; j
if{ut
jif{
o; j
if{ut
jif{
1;fjlws h
Ljg a
Ldf
20,8
48,156
1
1,65
4,939
1
0,527
,445
9,967
,801
2,4
34,249 –
33
,809,8
50 21
,622
,740
2clu
|d e
'Qmfg
L ;fjlws
hLj
g a
Ldf
4,374
,470
1
,518
,130
1
,232
,818
1
,067
,565
–
–
5
,607,28
8
2,585,69
5
3?k
fGtl/t ;
fjlws P
j+
cfh
Ljg h
Ljg a
Ldf
4,707,70
2 2
,194,225
1
,762
,850
1
,452
,478
–
–
6
,470
,552
3
,646,70
3
4j}b
]lzs /
f]huf/ DofbL
hLj
g a
Ldf
4,4
57,569
–
–
–
4
,457
,569
–
5Do
fbL hLj
g a
Ldf
–
10,027
–
–
–
–
–
1
0,027
hDd
f 3
4,38
7,89
7 15,37
7,32
1 13,52
3,113
12,4
87,8
44
2,43
4,24
9 –
50
,345
,259
27
,865
,165
cg';
"rL–^
;]jf z'Ns -v'b_
qm=;
+=aLdf
sf] ls
l;d
s'n ;
]jf z
'Nss'n ;
]jf z
'Nsdf
k'gaL{ds
sf] lx:;
f;]j
f z'Ns
-v'b_
o; j
if{ut
jif{
o; j
if{ut
jif{
o; j
if{ut
jif{
!;fjlws h
Ljg a
Ldf
2,797,14
3 1
,736
,189
36,35
4
21,062
2
,760
,789
1,715
,127
@clu
|d e
'Qmfg
L ;fjlws h
Ljg a
Ldf
319
,286
177
,339
7
,289
3,619
3
11,997
173
,720
#?k
fGtl/t ;
fjlws P
j+ cfh
Ljg h
Ljg a
Ldf
403,75
0
252
,102
8,574
5
,275
3
95,17
6 2
46,827
$j}b
]lzs /
f]huf/ DofbL hLj
g a
Ldf
628
,271
–
2
78,902
–
349,369
–
%Do
fbL hLj
g a
Ldf
2,052
1
,396
1,676
9
36
376
4
60
hDd
f 4
,150
,502
2
,167
,026
3
32,7
95
30,89
2 3
,817
,707
2
,136
,134
Annual Report 2013/2014jflif{s k|ltj]bg @)&)÷@)&!
30 tkfO{+sf] eljio xfd|f] cleef/f
cg';"rL–&Joj:yfkg vr{qm=;+= ljj/0f o; aif{ ut aif{
1 sd{rf/L vr{ -cg';"rL &=! adf]lhd_ 40,568,932 26,564,265 2 3/ ef8f 5,947,662 3,796,259 3 lah'nL tyf kfgL 950,178 276,313 4 dd{t tyf ;Def/
-s_ ejg – – -v_ ;jf/L ;fwg 197,882 137,613 -u_ sfof{no pks/0f 467,846 190,575 -3_ cGo -;km\6jo/_ 36,795 105,241
5 ;+rf/ 3,409,031 1,721,081 6 5kfO{ tyf d;nGb 4,254,674 3,173,862 7 vr{ x'g] sfof{no ;fdfg 466,812 239,270 8 kl/jxg 451,078 221,796 9 e|d0f vr{ -eQf ;d]t_
-s_ cfGtl/s 3,310,380 801,947 -v_ j}b]lzs – –
10 clestf{ tflnd 566,115 677,333 11 clestf{ cGo 11,151,567 523,896 12 aLdfz'Ns 163,055 103,574 13 ;'/Iff vr{ 276,365 90,480 14 sfg"gL tyf k/fdz{ z'Ns 109,288 24,450 15 kq klqsf tyf k':ts 91,633 81,550 16 lj1fkg tyf k|rf/ k|;f/ 375,394 205,940 17 Jofkf/ k|j4{g 16,777,262 4,678,685 18 cltyL ;Tsf/ 148,570 58,274 19 rGbf tyf pkxf/ 25,500 505,600 20 ;+rfns ;ldlt ;DaGwL vr{
-s_ a}7s eQf 552,500 335,500 -v_ cGo 155,881 110,194
21 cGo ;ldlt÷pk–;ldlt ;DaGwL vr{ -s_ a}7s eQf 126,000 32,000 -v_ cGo 31,415 –
22 ;fwf/0f ;ef ;DaGwL vr{ 243,374 214,093 23 -s_ aLdfÍLo ;]jf z'Ns 542,909 –
-v_ aLdfÍLo vr{ – – 24 n]vf k/LIf0f ;DaGwL vr{
-s_ n]vf k/LIf0f z'Ns 141,250 113,000 -v_ s/ n]vf k/LIf0f z'Ns – – -u_ lj:t[t n]vf k/LIf0f k|ltj]bg z'Ns – – -3_ cGo z'Ns – – -ª_ cfGtl/s n]vf k/LIf0f vr{ 124,300 113,000 -r_ cGo vr{ 76,408 41,832
25 Aofh 7,890 451,285 26 a}s rfh{ 25,469 9,106 27 z'Ns tyf b:t"/ 118,950 119,048 28 Xf; s§L 4,803,219 2,689,686 29 x'nfs l6s6 – – 30 cGo 1,732,023 757,132
afF* kmfF*sf] nflu hDdf 98,427,607 49,163,880 1 gfkmf gf]S;fg lx;fadf ;f/]sf] 9,601,465 6,172,777 2 ;fjlws hLjg aLdfsf] cfo Joo lx;fadf ;f/]sf] 69,401,963 34,605,766 3 clu|d e'QmfgL ;fjlws hLjg aLdfsf] cfo Joo lx;fadf ;f/]sf] 7,406,325 3,445,276 4 ?kfGtl/t ;fjlws Pj+ cfhLjg hLjg aLdfsf] cfo Joo lx;fadf ;f/]sf] 9,546,826 4,911,339 5 j}b]lzs /f]huf/ DofbL hLjg aLdfsf] cfo Joo lx;fadf ;f/]sf] 2,412,961 – 6 DofbL hLjg aLdfsf] cfo Joo lx;fadf ;f/]sf] 58,067 28,722
hDdf 98,427,607 49,163,880
31tkfO{+sf] eljio xfd|f] cleef/f
Annual Report 2013/2014jflif{s k|ltj]bg @)&)÷@)&!
cg';"rL–&=!sd{rf/L vr{qm=;+= ljj/0f o; aif{ ut aif{
1= tna 20,755,468 14,413,428
2= eQf 11,750,685 7,401,294
3= bz} vr{ 1,338,856 1,069,781
4= ;~rosf]ifdf yk 1,414,360 988,055
5= tflnd vr{ 84,573 34,950
6= kf]zfs 8,240 5,940
7= cf}ifwf]krf/ 728,533 537,986
8= aLdf 7,535 34,713
9= k]G;g tyf pkbfg vr{ tyf Joj:yf 946,062 535,313
10= ljbf afkt vr{ tyf Joj:yf 3,147,729 1,542,805
11= cGo ;'ljwf afkt vr{ tyf Joj:yf -ljj/0f v'nfpg]_ – –
12= cGo sd{rf/LnfO{ lbPsf] k|f]T;fxg eQf 386,891 –
hDdf 40,568,932 26,564,265
cg';"rL–*cfos/qm=;+= ljj/0f o; aif{ ut aif{
1 o; aif{sf] cfos/ – –
2 cl3Nnf aif{x?sf] cfos/ – –
3 afF8kmfF8sf] nflu cfos/sf] hDdf – –
4 o; aif{sf] :yug s/ -12,084,797_ 377,763
afF*kmfF*
gfkmf gf]S;fg lx;fadf ;f/]sf] -u_ Ö -s_ ± -v_ -12,084,797_ 377,763
-s_ afF8kmfF8af6 cfPsf] cfos/ – –
-v_ o; aif{sf] :yug s/ -12,084,797_ 377,763
1 ;fjlws hLjg aLdf – –
2 clu|d e'QmfgL ;fjlws hLjg aLdf – –
3 ?kfGtl/t ;fjlws Pj+ cfhLjg hLjg aLdf – –
4 j}b]lzs /f]huf/ DofbL hLjg aLdf – –
5 DofbL hLjg aLdf – –
hDdf -12,084,797_ 377,763
Annual Report 2013/2014jflif{s k|ltj]bg @)&)÷@)&!
32 tkfO{+sf] eljio xfd|f] cleef/f
cg';
"rL–!)
cfo Joo lx;fax?af6 gfkmf gf]S;fg lx;fadf ;f/]sf] /sd
qm=;
+=ljj/
0fo;
aif{
ut a
if{1=
;fjlws h
Ljg a
Ldfs
f] cfo
Joo lx;
faaf ;f/]sf]
–
–
2=clu
|d e
'Qmfg
L ;fjlws h
Ljg a
Ldfs
f] cfo
Joo lx;
faaf6 ;
f/]sf]
–
–
3=?k
fGtl/t ;
fjlws P
j+ cfh
Ljg h
Ljg a
Ldfs
f] cfo
Joo lx;
fjaf6 ;
f/]sf]
–
–
4=
j}b]lz
s /
f]huf/ DofbL hLj
g a
Ldfs
f] cfo
Joo lx;
fjaf6 ;
f/]sf
-6,16
9,121
_ –
5=Do
fbL hLj
g a
Ldfs
f] cfo
Joo lx;
fjaf6 ;
f/]sf
13,042
235
,368
hDd
f -6,15
6,079
_ 2
35,368
cg';
"rL–(
cfly{s jif{sf] cGTodf e'QmfgL x'g afFsL bfjL afkt Joj:yf
qm=;+=
aLdfs
f] lsl
;d
e'Qmfg
L x'g afFs
L d[To'
bfjL
e'Qmfg
L x'g afFs
L cj
lw ;
dfKtL
bfj
L
e'Qmfg
L x'g afFs
L cf
+lzs
cjlw
;d
fKtL b
fjL
e'Qmfg
L x'g afFs
L ;d
k{)f d
"No
bfjL
e'Qmfg
L x'g afFs
L cG
o bfj
L
;[hgf
ePsf
] t/
hfgs
f/Ldf
gcfPs
f] bfjL
-c
g'dflg
t_
e'Qmfg
L x'g afFs
L hDd
f bfj
L
e'Qmfg
L x'g afFs
L hDd
f bfj
Ldf k
'gaL{ds
sf]
lx::ff
e'Qmfg
L x'g afFs
L bfjL
afk
t Joj:
yf
o; j
if{ut
jif{
o; j
if{ut
jif{
o; j
if{ut
jif{
o; j
if{ut
jif{
o; j
if{ut
jif{
o; j
if{ut
jif{
o; j
if{ut
jif{
o; j
if{ut
jif{
o; j
if{ut
jif{
1=;f
jlws
hLjg
aLdf
406
,250
49,94
9 –
–
–
–
–
–
–
–
–
– 4
06,25
0 4
9,94
9 10
0,00
0 10
0,00
0 35
2,188
97
7,441
2=clu|d
e'QmfgL ;
fjlws
hLjg
aLdf
180
,575
105,0
00
–
–
–
–
–
–
–
–
–
– 180
,575
105
,000
–
– 2
07,66
1 12
0,75
0
3=?k
fGtl/t
;fjlws
Pj+ c
fhLjg
hLjg
aLdf
456,8
00
250,00
0 –
–
–
–
–
–
–
–
–
–
456,8
00
250
,000
24
3,750
14
3,750
245
,008
12
2,188
4=j}b
]lzs
/f]huf/ Do
fbL h
Ljg
aLdf
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
5=Do
fbL h
Ljg
aLdf
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
hDdf
1,043
,625
1,304
,949
–
–
–
–
–
–
–
–
–
– 1
,043
,625
1,304
,949
34
3,750
243
,750
804,85
6 1,2
20,37
9
33tkfO{+sf] eljio xfd|f] cleef/f
Annual Report 2013/2014jflif{s k|ltj]bg @)&)÷@)&!
cg';
"rL–!!
hLjg aLdf sf]if
qm=;+=
aLdf
sf] ls
l;d
;dfof]h
g cu
f8Ls
f] hLjg
aLdf s
f]if
-jif{s
f] z'?d
f_cf
o Jo
o lx;
faaf6
;f/]s
f] gfkmf
gf]S;
fg
lx;faa
f6 ;
f/]sf
]
hu]8f
sf]ifaf6
;f/]s
f]
;dfof]h
g cu
f8Ls
f] hLj
g aLdf
sf]if
-jif{s
f] cGTo
df_
o; j
if{ut
jif{
o; j
if{ut
jif{
o; j
if{ut
jif{
o; j
if{ut
jif{
o; j
if{ut
jif{
!=;f
jlws
hLjg
aLdf
337,12
1,750
203,0
45,25
921
5,35
0,09
014
3,041
,451
– –
–
–
5
52,4
71,8
40
346
,086
,710
@=cl
u|d e
'Qmfg
L ;fjlws
hLjg
aLd
f33
,513
,350
20,4
04,941
18,205
,459
13,989
,742
– –
–
–
5
1,718
,809
3
4,39
4,68
3
#?k
fGtl/t
;fjl
ws P
j+ cfh
Ljg
hLjg
aLd
f
49,11
9,59
229
,477
,881
29,4
39,715
20,8
77,907
– –
–
–
7
8,55
9,30
7 5
0,35
5,78
8
$j}b
]lzs
/f]huf
/ Do
fbL h
Ljg
aLdf
–1,7
98,8
30–
-1,798
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_–
–
–
–
–
–
%Do
fbL h
Ljg
aLdf
––
––
– –
–
–
–
–
hDdf
419,75
4,69
225
4,72
6,91
126
2,99
5,26
317
6,110
,270
– –
–
–
6
82,7
49,955
4
30,8
37,18
1
hLjg aLdf sf]ifdf ;dfof]hg
qm=;+=
aLdfs
f] lsl
;d
;dfof
]hg c
uf8Ls
f] hLjg
aLdf
sf]if -jif{s
f] cGTo
df_
gfkmf gf]S
;fg
lx;fad
f
;f/]s
f]
aLdfn]v
cGtu
{t
bfloTj
af]g;s
f] nflu
Joj:
yf
;f]Ne
]G;L
dflh
{gsf]
nflu
Joj:
yf
af“8kmf
“8 gu
l/Psf
] /
sdjif
{sf] c
GTodf h
Ljg a
Ldf s
f]if
o; a
if{ut
aif{
o; a
if{ut
aif{
o; a
if{ut
aif{
o; a
if{ut
aif{
ut a
if{o;
aif{
ut a
if{o;
aif{
ut a
if{
!=;f
jlws
hLjg
aLdf
552,47
1,840
346
,086
,710
8,28
9,68
8 8,
964,
960
–
– 7
4,60
7,18
9 51
,001
,597
–
6,915
,042
–
544
,182,1
52 33
7,12
1,750
@=cl
u|d e
'Qmfg
L
;fjlws
hLjg
aLdf
51,7
18,8
09
34,39
4,68
3 1,2
46,69
0 8
81,33
3 –
–
4
,821
,909
–
4
30,32
2 –
50
,472
,119
33,5
13,35
0
#=?k
fGtl/t
;fjlws
Pj+
cfhL
jg h
Ljg
aLdf
78,
559,30
7 5
0,35
5,78
8 9
14,4
63 1
,236
,196
–
– 8
,230
,166
6,759
,218
–
6
42,4
77
– 7
7,64
4,84
4 4
9,11
9,59
2
$=j}b
]lzs
/f]huf
/
DofbL h
Ljg
aLdf
–
–
–
–
–
–
–
–
–
–
–
–
–
%=Do
fbL h
Ljg
aLdf
–
–
–
–
–
–
–
–
–
–
–
–
–
hDdf
682,74
9,95
5 4
30,8
37,18
1 10,4
50,8
41 1
1,082
,489
–
–
82,83
7,35
5 62
,582
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–
7,987
,841
–
672
,299
,115
419,75
4,69
2
Annual Report 2013/2014jflif{s k|ltj]bg @)&)÷@)&!
34 tkfO{+sf] eljio xfd|f] cleef/f
cg';"rL–!@Joj:yf lkmtf{qm=;+= ljj/0f o; aif{ ut aif{1= nufgLdf gf]S;fgsf] nflu Joj:yf lkmtf{ 145,243 2,232,446 2= shf{df gf]S;fgsf] nflu Joj:yf lkmtf{ 28,557 – 3= z+sf:kb cf;fdL Joj:yf lkmtf{ – – 4= cGo Joj:yf lkmtf{ – –
hDdf 173,800 2,232,446
cg';"rL–!#ckn]vg vr{x?qm=;+= ljj/0f o; aif{ ut aif{1= k|f/lDes vr{x? – – 2= k"j{ ;+rfng vr{x? – – 3= k/ ;fl/Psf vr{x? – – 4= ckn]vg ul/Psf] nufgL – – 5= ckn]vg ul/Psf] shf{ – – 6= ckn]vg ul/Psf] cf;fdL – – 7= cGo ckn]vg vr{x? – –
hDdf – –
cg';"rL–!# sz]o/ ;DaGwL vr{{qm=;+= ljj/0f o; aif{ ut aif{1= z]o/ lgZsf;g vr{ – – 2= z]o/ /lhi6]«;g vr{3= z]o/ ;"lrs/0f vr{ 138,700 125,000 4= nfef+z ljt/0f vr{ – – 5= z]o/ ;DaGwL cGo vr{ 819,104 689,769
hDdf 957,804 814,769
cg';"rL–!$cGo vr{x|?qm=;+= ljj/0f o; aif{ ut aif{1= b)* hl/jfgf – – 2= ljnDa z'Ns hl/jfgf 76,831 91,310 3= cGo – –
hDdf 76,831 91,310
cg';"rL–!%gf]S;fgLsf] nflu Joj:yfqm=;+= ljj/0f o; aif{ ut aif{1= nufgLdf gf]S;fgsf] nflu Joj:yf lkmtf{ 145,243 2,232,446 2= shf{df gf]S;fgsf] nflu Joj:yf lkmtf{ 28,557 – 3= z+sf:kb cf;fdL Joj:yf lkmtf{ – – 4= cGo Joj:yf lkmtf{ – –
hDdf 173,800 2,232,446
35tkfO{+sf] eljio xfd|f] cleef/f
Annual Report 2013/2014jflif{s k|ltj]bg @)&)÷@)&!
cg';"rL–!^-s_ z]o/ k"FhL
qm=;+= ljj/0f o; aif{ ut aif{
!= clws[t k"FhL
s_ ? !)) b/sf] %)))))) yfg ;fwf/0f z]o/ 500,000,000 500,000,000
v_ ?===== b/sf] ====yfg ckl/jt{gLo cu|flwsf/ z]o/ – –
u_ ?===== b/sf] ==== yfg kl/jt{gLo cu|flwsf/ z]o/ – –
@= hf/L k"FhL
s_ ? !)) b/sf] %)))))) yfg ;fwf/0f z]o/ 500,000,000 411,300,000
v_ ?=== b/sf] ====yfg ckl/jt{gLo cu|flwsf/ z]o/ – –
u_ ?=====b/sf] ====== yfg kl/jt{gLo cu|flwsf/ z]o/ – –
#= r'Qmf k"FhL
s_ ? !)) b/sf %)))))) yfg ;fwf/0f z]o/ 500,000,000 411,300,000
Go"g e'QmfgL k|fKt x'g afFsL ?===b/sf] ==yfg ;fwf/0f z]o/ – –
v_ ?===== b/sf] ====== yfg ckl/jt{gLo cu|flwsf/ z]o/ – –
u_ ?===== b/sf] ====== yfg kl/jt{gLo cu|flwsf/ z]o/ – –
hDdf 500,000,000 411,300,000
-v_ z]o/ :jfldTjsf] ;+/rgf
z]o/wgLo; aif{ ut aif{
;fwf/0f z]o/ ;+Vof :jfldTjsf] % ;fwf/0f z]o/ ;+Vof :jfldTjsf] %
;+:y
fks
g]kfnL ;+ul7t ;+:yfx? 1,770,554 35=41 834,025 20=28
g]kfnL gful/s 1,726,446 34=53 2,045,075 49=72
ljb]zL – – – –
hDdf 3,497,000 70 2,879,100 70
;j{;fwf/0f 1,503,000 30 1,233,900 30
cGo -ljj/0f v'nfpg]_ – – – –
s"n 5,000,000 100 4,113,000 100
Annual Report 2013/2014jflif{s k|ltj]bg @)&)÷@)&!
36 tkfO{+sf] eljio xfd|f] cleef/f
Ps k|ltzt jf al9 z]o/ :jldTj ePsf z]o/wgLx?sf] ljj/0f
qm+=;+= ljj/0fo; aif{ ut jif{
:jfldTjsf] % /sd :jfldTjsf] % /sd
1 >L dx]z s'df/ cu|jfn 6=63 33,132,500 8=06 33,132,500
2 >L cflzif s'df/ cu|jfn 6=86 34,275,000 8=33 34,275,000
3 o'lgl6s OGe]i6d]G6 k|f= ln= 10=28 51,388,900 10=28 42,272,500
4 o'gfO{6]8 OGe]i6;{ k|f= ln= 8=00 39,987,500 9=72 39,987,500
5 >L lj/]Gb| s'df/ ;+3O{ 2=22 11,111,100 5=72 23,535,500
6 k|'8]lG;on Soflk6n Dofg]hd]G6 s+= k|f= ln 6=99 34,958,000 3=13 12,856,200
7 >L ljj]s cu|jfn – – 8=75 35,988,700
8 >L cflzif lhGbn – – 3=47 14,281,200
9 >L ljef]/ s'df/ cu|jfn – – 2=78 11,425,000
10 >L lgt]z cu|jfn – – 7=92 32,561,200
11 >L ljzfn cu|jfn 1=02 5,100,000 – –
12 >L lgs'GHf cu|jfn 1=04 5,188,700 – –
13 >L hulbz k|;fb cu|jfn 1=04 5,200,000 – –
14 >L cg'h cu|jfn 1=06 5,300,000 – –
15 Unf]an O{Dk]S; OG6/g]zgn k|f=ln= 1=11 5,555,600 – –
16 Kof/fdfpG6 O{n]S6«f]lgS; k|f=ln= 1=11 5,555,600 – –
17 olt lasfz a}+s ln= 1=32 6,615,500 – –
18 k'hf OG6/g]zgn g]kfn k|f=ln= 1=40 7,022,100 – –
19 Unf]an 6]«l8Ë sG;g{ k|f=ln= 1=48 7,391,700 – –
20 >L czf]s s'df/ cu|jfn 4=08 20,398,800 – –
21 o'gfO6]8 l8l:6Ao'6;{ g]kfn k|f=ln= 1=72 8,623,600 – –
22 >L rGb| k|;fb 9sfn 2=06 10,282,500 – –
23 >L slatf ;+3O{ 3=50 17,500,100 – –
24 cfO{PdO{ u'|k k|f=ln= 3=90 19,481,200 – –
hDdf 66=81 334,068,400 68=15 280,315,300
37tkfO{+sf] eljio xfd|f] cleef/f
Annual Report 2013/2014jflif{s k|ltj]bg @)&)÷@)&!
cg';"rL–!&hu]8f tyf sf]if
qm=;+= ljj/0f o; aif{ ut aif{
1= :yug s/ hu]*f 26,471,958 1,016,048
2= k"FhLut hu]8f – –
3= ljz]if hu]8f – –
4= cGo hu]8f -ljj/0f v'nfpg]_ – –
5= z]o/ lk|ldod 27,671,786 –
6= k|:tfljt af]gz z]o/ – –
7= k"FhLs[t x'g af+sL af]g; z]o/ – –
8= ;dfof]hg -246,448_
9= Gffkmf gf]S;fg lx;faaf6 ;f/]sf] gfkmf 71,129,998 48,669,582
hDdf 125,027,294 49,685,630
cg';"rL–!*dxf–ljklQ hu]8f
jif{sf] z'?df dxf–ljklQ hu]8f gfkmf gf]S;fg lx;faaf6 ;f/]sf] jif{sf] cGTodf dxf–ljklQ hu]8f
o; jif{ ut jif{ o; jif{ ut jif{ o; jif{ ut jif{ – – 9,246,088 – 9,246,088 –
– – – – – –
– – – – – –
hDdf 9,246,088 –
cg';"rL–!(ltg{ jfsL bL3{sflng C0f tyf ;fk6L
qm=;+= ljj/0f o; aif{ ut aif{
1= l8a]Gr/ ÷ a08 – –
2= a}+s – –
3= ljQLo ;+:yf – –
4= cGo -ljj/0f v'nfpg]_ – –
hDdf – –
Annual Report 2013/2014jflif{s k|ltj]bg @)&)÷@)&!
38 tkfO{+sf] eljio xfd|f] cleef/f
cg';
"rL–@)
l:y/ ;DklQ lj
j/0f
k/n
df]n
Xf;
s§L
v'b d
f]n
z'? d
f}Hbft
o; j
if{ yk
]sf]o
; jif{ 3
6]sf]
hDdf
ut j
if{;Dd
o; j
if{laqmL
÷
;dfof]h
ghD
dfo;
jif{;
Ddsf
]Uft
jif{;
Ddsf
]
lk|m x
f]N8 h
ldg
––
––
––
––
––
ejg
––
––
––
––
––
kmlg{r/
tyf
lkmS;
\r;{
3,934
,921
1,598
,561
–5,53
3,481
2,32
5,69
867
6,742
–3,0
02,4
402,53
1,041
1,609
,222
sfof
{no ;
fdfg
1,973
,846
1,825
,523
–3,7
99,36
91,0
80,36
147
7,96
5–
1,558
,326
2,24
1,043
893,4
85
sDKo
"6/ t
yf ;
"rgf k
|ljwL
pks
/0f
4,28
2,02
52,11
0,83
6–
6,392
,861
2,00
4,36
194
0,75
2–
2,94
5,11
33,4
47,749
2,27
7,66
5
cb[Zo
;Dk
lQ -l
jj/0
f v'nf
pg]_
3,129
,694
6,155
–3,1
35,8
492,40
5,59
261
2,76
8–
3,018
,360
117,48
972
4,10
2
;jf/L
;fw
g5,09
2,38
08,
541,8
691,5
42,000
12,092
,249
2,17
7,10
41,8
17,8
011,1
42,592
2,85
2,31
39,23
9,93
62,91
5,27
6
lnh
xf]N8
;Dk
lQ2,85
4,34
374
7,78
6–
3,602
,129
630,31
913
6,396
–76
6,715
2,83
5,41
42,22
4,02
4
cGo
-h]g]/
]6/_
1,067
,785
210,00
0–
1,277
,785
269,85
414
0,79
5–
410,64
886
7,13
779
7,93
1
hDdf
22,33
4,99
415
,040
,729
1,542
,000
35,8
33,724
10,8
93,288
4,80
3,219
1,142
,592
14,553
,915
21,279
,808
11,4
41,706
lgdf
{0fflwg
k'FhLu
t vr
{–
––
––
––
––
–
s'n22
,334,
994
15,040
,729
1,542
,000
35,8
33,7
2410
,893
,288
4,80
3,219
1,142
,592
14,553
,915
21,279
,808
11,4
41,7
06
ut j
if{ 16
,547
,658
5,90
4,33
6117,
000
22,33
4,99
48,
263,0
942,68
9,68
659
,492
10,8
93,288
11,4
41,7
0610
,082
,073
39tkfO{+sf] eljio xfd|f] cleef/f
Annual Report 2013/2014jflif{s k|ltj]bg @)&)÷@)&!
cg';"rL–@!nufgLqm=;+= ljj/0f o; aif{ ut aif{
-s_ bL#{sflng nufgL M!= ;/sf/L / ;/sf/sf] hdfgt k|fKt ;]So"l/6L 59,752,000 70,477,000 @= jfl0fHo a}+ssf] d'2tL lgIf]k 322,000,000 230,000,000 #= ljsf; a}+ssf] d'2tL lgIf]k 45,000,000 – $ gful/s nufgL of]hgf – – % ljQLo ;+:yfsf] d'2tL lgIf]k 59,200,000 – ^ cfjf; ljQ sDkgLsf] ;fwf/0f z]o/ -cg';"rL @!=! adf]lhd_ – – & cGo sDkgLsf] ;fwf/0f z]o/ -cg';"rL @!=! adf]lhd_ 41,165,777 34,811,883 * a}+s tyf ljQLo ;+:yfsf] cu|flwsf/ z]o/÷l8j]Gr/ – – ( cGoM laleGg a}+sx¿sf] j08x¿ 73,778,000 50,578,000
hDdf 600,895,777 385,866,883 -v_ cNksflng nufgL M!= ;/sf/L / ;/sf/sf] hdfgt k|fKt ;]So"l/6L – – @= jfl0fHo a}+ssf] d'2tL lgIf]k 330,000,000 337,500,000 #= ljsf; a}+ssf] d'2tL lgIf]k 131,000,000 17,500,000 $ gful/s nufgL of]hgf – – % ljQLo ;+:yfsf] d'2tL lgIf]k 52,500,000 27,200,000 ^ a}+s tyf ljQLo ;+:yfsf] cu|flwsf/ z]o/÷l8j]Gr/ – – & afl0fHo j}+ssf] Aofh k|fKt x'g] cGo lgIf]k 34,112,027 87,036,216 * ljsf; j}+ssf] Aofh k|fKt x'g] cGo lgIf]k 6,295,011 4,394,280 ( ljlQo ;+:yfsf] Aofh k|fKt x'g] cGo lgIf]k 283,806 899,669 !) cGo Jofh k|fKt x'g] nufgL – –
hDdf 554,190,844 474,530,165 s'n 1,155,086,621 860,397,047
cg';"rL–@!=!z]o/df nufgL
qm=;+= sDkgL v'b /sd c+lst d"No k/n d"No ahf/ d"No1 PgcfO{;L Pl;of a}+s lnld6]8sf] ^,@!* yfg z]o/ k|lt z]o/ ? %^!.($ 3,494,118 621,800 3,494,118 6,087,422 2 g]kfn OGe]i6d]G6 a}+ssf] *$( yfg z]o/ k|lt z]o/ ? !)).)) 743,787 84,900 743,787 815,040 3 hgtf a+}s lnld6]8 #,)() yfg z]o/ k|lt z]o/ ? !)).)) 300,000 309,000 300,000 973,350 4 glan Dofr'cn kmG8 @@*,&#& yfg o'lg6 k|lt o'lg6 ? !).)) 2,287,370 2,287,370 2,287,370 3,488,239 5 glan a}+s lnld6]8 !^,*() yfg z]o/ k|lt z]o/ ? ((&.@!-;+:yfks_ 16,842,865 1,689,000 16,842,865 28,240,080 6 Pe/]i6 a+}s lnld6]8 %,##@ yfg z]o/ k|lt z]o/ ? !$)@.*! 7,479,784 533,200 7,479,784 14,263,100 7 sd{h P08 6«i6- cfO{PdO{_ a+}s lnld6]8 !,#&# yfg z]o/ k|lt z]o/ ? !)).)) 207,100 137,300 207,100 919,910 8 PgPdla a}+s lnld6]8 @,##! yfg z]o/ k|lt z]o/ ? @%).#& 583,618 233,100 583,618 1,205,127 9 s'df/L a}+s lnld6]8 $!,%@( yfg z]o/ k|lt z]o/ ? **.#% -;+:yfks_ 3,668,884 4,152,900 3,668,884 4,152,900 10 nIdL a}+s lnld6]8 #)^ yfg z]o/ - af]gz ;]o/ _ – 30,600 – 180,540 11 ;g/fOh a}s lnld6]8 @,@*! yfg z]o/ k|lt z]o/ ? !(&.$& 450,419 228,100 450,419 1,158,748 12 ;fgf ls;fg lasf; a}+s lnld6]8 &$! yfg z]o/ k|lt z]o/ ? *^.(! 64,400 74,100 64,400 995,904 13 ?/n dfOs|f] kmfOgfG; lasf; a}+s lnld6]8 !,)#@ yfg z]o/ k|lt z]o/ ? !*).)) 185,760 103,200 185,760 862,752 14 s[lif lasf; a+}s lnld6]8 !,%&( yfg z]o/ k|lt z]o/ ? $(&.#% 785,314 157,900 785,314 1,089,510 15 g]kfn a+}s lnld6]8 (,&@# yfg z]o/ k|lt z]o/ ? #!*.&$ 3,099,078 972,300 3,099,078 4,492,026 16 ;flgdf a+}s lnld6]8 %)) yfg z]o/ k|lt z]o/ ? %!$.^( 257,347 50,000 257,347 312,500 17 l;¢fy{ a+}s lnld6]8 %)) yfg z]o/ k|lt z]o/ ? ^)^.%! 303,257 50,000 303,257 405,000 18 lxdfnog a+}s lnld6]8 $$# yfg z]o/ k|lt z]o/ ? (!).## 403,276 44,300 403,276 422,622 19 l/l8 xfO{8«f] kfj/ 8]enkd]06 s=ln=($ yfg z]o/ k|lt z]o/ ? !)).)) 9,400 9,400 9,400 31,584
hDdf 41,165,777 11,768,470 41,165,777 70,096,354
Annual Report 2013/2014jflif{s k|ltj]bg @)&)÷@)&!
40 tkfO{+sf] eljio xfd|f] cleef/f
cg';"rL–@@gub tyf a}+s df}Hbft
qm=;+= ljj/0f o; aif{ ut aif{1 gub tyf r]s df}Hbft 26,996,185 4,249,385
hDdf 26,996,185 4,249,385 2 a}+s df}Hbft
jfl0fHo a}+sx?sf] df}Hbft 14,872,310 9,942,431 ljsf; a}+sx?sf] df}Hbft 3,000 8,000 ljQLo ;+:yfx?sf] df}Hbft – – cGo -ljj/0f v'nfpg]_ – – hDdf 14,875,310 9,950,431 s"n 41,871,495 14,199,816
cg';"rL–@#cGo shf{
qm=;+= ljj/0f o; aif{ ut aif{s lb3{sflng shf{ – – 1 clestf{nfO{ shf{ 28,228,602 919,191 2 sd{rf/LnfO{ shf{ – – 3 cGo -ljj/0f v'nfpg]_ – –
hDdf 28,228,602 919,191 v cNksflng shf{ – – 1 clestf{nfO{ shf{ – – 2 sd{rf/LnfO{ shf{ 456,313 834,473 3 cGo -ljj/0f v'nfpg]_ – –
hDdf 456,313 834,473 hDdf 28,684,915 1,753,664
cg';"rL–@$cGo ;DkQL
qm=;+= ljj/0f o; aif{ ut aif{1 nufgLaf6 k|fKt x'g afFsL cfo 21,938,632 14,224,965 2 aLdfn]vsf] lwtf]df shf{af6 k|fKt x'g afFsL Aofh 901,482 313,359 3 cGo -aLdfn]vsf] lwtf]df afx]s_ shf{af6 k|fKt x'g afFsL Aofh – – 4 cGo aLdsaf6 k|fKt x'g afFsL – – 5 k'gaL{dsaf6 k|fKt x'g afFsL – – 6 ljljw cf;fdL 2,801,691 520,661 7 clu|d e'QmfgL 51,145,786 37,161,388 8 sd{rf/L k]ZsL 696,510 – 9 cGo k]ZsL 55,539,907 15,035,276 10 w/f}6L 276,840 266,590 11 c;'n x'g afFsL aLdfz'Ns – –
Go"g M c;'n x'g afFsL aLdfz'Ns d'NtjL -suspense_ – – 12 cGoM df}Hbft -ckmL; ;fdfg_ 304,672 244,690 13 cGoM :yug s/ ;DkQL 26,471,958 1,016,048
hDdf 160,077,477 68,782,977
41tkfO{+sf] eljio xfd|f] cleef/f
Annual Report 2013/2014jflif{s k|ltj]bg @)&)÷@)&!
cg';"rL–@%rfn' bfloTj
qm=;+= ljj/0f o; aif{ ut aif{1 clestf{nfO{ lbg afFsL 9,501,654 3,511,955
2 cGo aLdsnfO{ lbg afFsL – –
3 k'gaL{dsnfO{ lbg afFsL 22,448,971 1,250,524
4 cNksflng shf{ – –
5 aLdfz'Ns w/f}6L 1,323,451 1,025,843
6 k"0f{ ljj/0f gv'n]sf] aLdfz'Ns 802,816 396,056
7 ljljw ;fx" 17,699,323 8,593,145
8 ;xfos÷xf]lN8Ë sDkgLnfO{ lbg afFsL – –
9 >f]tdf s§f ul/Psf] s/ ltg{ afFsL 6,053,855 2,295,057
10 d"No clea[{l4s/ ltg{ afFsL – –
11 ;]jf z'Ns ltg{ afFsL 4,150,502 2,167,026
12 sd{rf/LnfO{ lbg afFsL 825,634 403,415
13 ;+rfnsnfO{ lbg afFsL – –
14 cGoM
-s_ sd{rf/L sNof0f sf]if 113,500 3,523
-v_ sn O{g P8efG; -xsk|b z]o/ afkt_ – 50,743,700
hDdf 62,919,706 70,390,244
cg';"rL–@^c;dfKt hf]lvd Joj:yf
qm=;+= ljj/0f o; aif{ ut aif{1 a}b]lzs /f]huf/ DofbL lhjg=aLdfsf] c;dfKt hf]lvd hu]8f 38,000,000 –
2 DofbL hLjg aLdf 18,808 22,914
hDdf 38,018,808 22,914
Annual Report 2013/2014jflif{s k|ltj]bg @)&)÷@)&!
42 tkfO{+sf] eljio xfd|f] cleef/f
cg';
"rL–@&
ckn]vg÷;dfof]hg x'g afFsL ljljw vr{x?
qm=;
+=ljj/
0fo;
aif{
ut a
if{1
ckn
]vg u
g{ a
fFsL k|f/lDe
s v
r{
–
–
2
ckn
]vg u
g{ a
fFsL k"j
{ ;+rfn
g v
r{
–
–
3
ckn
]vg u
g{ a
fFsL nufg
L lk|ld
od
–
84,583
4
ckn
]vg u
g{ a
fFsL :y
ug u
l/Ps
f vr{
–
–
5
cGo
-ljj/
0f v
'nfp
g]_
–
–
hDd
f –
8
4,58
3
cg';
"rL–@^
scGo Joj:yf
qm=;+=
ljj/
0fjif{s
f] ;'?d
f Joj
:yf
rfn'
cf=j=d
f yk
ul/P
sf]
Joj:
yf
rfn'
cf=j=d
f ckn
]vg /
e'Qmfg
L ul/Ps
f] Joj
:yf
rfn'
cf=j=d
f lkmt
f{
ul/P
sf] Jo
j:yf
aif{sf
] cGTo
df s
fod
/x]sf
]]
Joj:
yf
o; j
if{ut
jif{
o; j
if{ut
jif{
o; j
if{ut
jif{
o; j
if{ut
jif{
o; j
if{ut
jif{
1nf
ef+z
cfos
/ sf
] nflu
Joj
:yf
–2,70
0,00
0–
––
2,70
0,00
0–
––
–
2cf
os/
Joj:
yf23
2,03
723
2,03
7–
––
––
–23
2,03
723
2,03
7
3nu
fgLd
f gf]S;
fgLs
f]] nflu
Joj
:yf
145,24
32,37
7,68
9–
––
–14
5,24
32,23
2,44
6–
145,24
3
4sh
f{df g
f]S;fg
Lsf]] n
flu Joj
:yf
31,999
––
31,999
––
28,557
–3,4
4231
,999
5z+s
f:kb
cf;f
dLsf
] nflu
Joj
:yf
––
––
––
––
––
6cG
o gf
]S;fg
Lsf]] n
flu Joj
:yf
––
––
––
––
–
7sd
{rf/L
;DjG
wL Joj
:yf
––
––
––
––
––
s_ k
]G;g
tyf p
kbfg
Joj
:yf
1,470
,694
1,147
,889
881,3
6832
2,80
5–
––
–2,35
2,06
21,4
70,69
4
v_ lj
bf j
fkt
Joj:
yf3,6
46,66
63,0
32,275
3,147
,729
1,542
,805
1,554
,420
928,
414
––
5,23
9,97
53,6
46,66
6
u_ c
fjf;
tyf
cGo
;'ljwf
Joj
:yf
––
––
––
––
––
3_ sd
{rf/L a
f]g;
Joj:
yf4,
065,92
52,92
4,47
93,1
70,650
4,06
5,92
54,
065,92
52,92
4,47
9–
–3,1
70,650
4,06
5,92
5
ª_ c
Go–
––
––
––
–8
cGo
Joj:
yf lj
j/)f
v'nfp
g]–
––
–
hDdf
9,59
2,56
412
,414
,369
7,19
9,74
75,96
3,534
5,62
0,34
56,55
2,89
317
3,800
2,23
2,44
610
,998
,166
9,59
2,56
4
43tkfO{+sf] eljio xfd|f] cleef/f
Annual Report 2013/2014jflif{s k|ltj]bg @)&)÷@)&!
cg';"rL–@*
ljQLo ljj/0f;+u ;DalGwt k|d'v n]vf gLltx?! ljQLo ljj/0f tof/Lsf cfwf/x? M cGoyf pNn]lvt ul/Psf]df afx]s sDkgLn] ljQLo ljj/0fx? g]kfn n]vfdfg, sDkgL P]g @)^#, aLdf lgodfjnL @)$( tyf
aLdf ;ldltsf] ljQLo ljj/0f ;DaGwL lgb]{zg, @)^% -ldlt @)^&.)%.@! kl/dflh{t_ cg';f/ P]ltxfl;s d"No cjwf/0ff tyf
k|f]befjL (Accrual) cfwf/df tof/ ul/Psf] 5 .
@= l:y/ ;DklQ n]vfÍg gLlt M sDkgLn] l:y/ ;DklQx? P]ltxfl;s d"No cjwf/0ff (Historical Cost Concept) sf] cfwf/df nfut d'Nodf n]vfÍg ug]{ gLlt
cjnDag u/]sf]] 5 .
#= Xf; s§L gLlt M ;+rfns ;ldltsf] lg0f{o cg';f/ l:y/ ;DklQsf] x|f; s§L cfos/ P]g @)%* 4f/f lgb]{lzt b/ cGtu{t 36\bf] x|f; k|0ffnL
cg';f/ ug]{ gLlt /x]sf] 5 . t/ sDkgLn] lnhxf]N8 ;DklQdf % k|ltztsf b/n] 36\bf] x|f; k|0ffnL cg';f/ n]vfÍg ug]{ gLlt
cjnDag u/]sf]] 5 .
$= k"FhLs[t gul/g] ;DklQx? ;DaGwL n]vfÍg gLlt M sDkgLn] k|lt OsfO ? @,%))÷– ;Dd d"No kg]{ ;fdfgx? k"FhLut k|s[tLsf] eP klg k|s[tL x]/L vl/b ePs} aif{df vr{ n]vfÍg
ug{] gLlt cjnDag u/]sf]] 5 .
%= cfos/ Joj:yf tyf afF8kmFf8 gLlt M sDkgLn] cfos/ P]g @)%* / cfos/ lgodfjnL @)%( cg';f/ cfos/sf] Joj:yf u/]sf]]] 5 . s"n cfos/ /sd -:yug s/ ;dfof]hg
ug'{ eGbf klxnfsf]_nfO{ aLdf ;ldltsf] ljQLo ljj/0f ;DalGw lgb]{zg, @)^% cg';f/ gfkmf gf]S;fg lx;fj tyf cfo Joo lx;fasf] ef/
cg';f/ afF8kmfF8 ug]{ gLlt cjnDag u/]sf]] 5 . :yug s/nfO{ gfkmf gf]S;fg lx;fjdf b]vfpg] gLlt cjnDag ul/Psf]] 5 .
^= nufgL n]vfÍg gLlt M sDkgLsf] nufgL n]vfÍg gLlt lgDg cg';f/ /x]sf] 5 .
-s_ g]kfn ;/sf/sf] jrtkq÷C0fkq jf g]kfn ;/sf/sf] hdfgt k|fKt C0fkqdf jf klAns lnld6]8 sDkgLsf]
artkq÷C0fkqdf ul/Psf] nufgLnfO{ n]vfÍg ubf{ aLdf ;ldltsf] ljQLo ljj/0f ;DjGwL lgb]{zg @)^%
adf]lhd clÍt d"No (Face Value) jf k/n d"No dWo] h'g 36L 5 ;f]xL d"Nodf n]vfÍg ug]{ gLlt cjnDag
u/]sf]] 5 .
-v_ v08 -s_ adf]lhd ul/Psf] nufgLsf] clÍt d"No eGbf k/n d"No a9L ePdf To:tf] a9L /sdnfO{ :yug ul/Psf]
vr{ (Deferred Expenditure) sf] ?kdf n]vfÍg u/L ;f] vr{nfO{ To:tf] nufgLsf] cjwL leq ;dfg'kflts cfwf/df
(Pro-rata Basis) ckn]vg ug]{ gLlt /x]sf] 5 .
-u_ v08 -s_ adf]lhd ul/Psf] nufgLsf] clÍt d'No eGbf k/n d'No sd ePdf To:tf] km/s /sdnfO{ nufgL cjlw leq
;dfg'kflts cfwf/df nufgLaf6 cfosf] ?kdf n]vfÍg ug]{ gLlt /x]sf] 5 .
-3_ v08 -s_ adf]lhdsf jrtkq jf C0fkqsf] n]vfÍg ul/Psf] d"No eGbf ahf/ d"No sd x'g uPdf To:tf] km/s
/sdsf] a/fa/ Joj:yf (Provision ) ug]{ gLlt /x]sf] 5 .
-ª_ a}+s÷ljQLo ;+:yfsf] d'2tL lgIf]k jf gfu/Ls nufgL sf]ifsf] nufgL of]hgfx?df ul/Psf] nufgLnfO{ ;fFjf /sddf
b]vfOg] gLlt /x]sf] 5 . t/ To:tf] nufgLsf] Dofb ;dfKtL kl5 s'g} sf/0fj; tTsfn lkmtf{ x'g g;Sg] cj:yf >[hgf
ePdf To:tf] nufgL /sdsf] a/fa/ Joj:yf ug]{ gLlt cjnDag u/]sf] 5 .
-r_ klAns lnld6]8 sDkgLsf] ;"lrs[t z]o/df ul/Psf] nufgLnfO{ k/n d"Nodf b]vfpg] / z]o/df ul/Psf] nufgLsf]
n]vfÍg nufgL ul/Psf] d"No eGbf ahf/ d"No sd x'g uPdf To:tf] km/s /sd a/fa/ nufgLdf gf]S;fgLsf] lgldQ
Joj:yf (Provision) ug]{{ gLlt /x]sf] 5 .
-5_ klAns lnld6]8 sDkgLsf] ;+:yfks z]o/df nufgL ul/Psf] z]o/ k|rlnt sfg'g adf]lhd lwtf]kq ahf/df ;"lrs[t
gePdf lgDg cg';f/ ug]{ gLlt cjnDag u/]sf] 5 .
Annual Report 2013/2014jflif{s k|ltj]bg @)&)÷@)&!
44 tkfO{+sf] eljio xfd|f] cleef/f
-c_ sDkgLn] z]o/df nufgL u/]sf] klAns lnld6]8 sDkgLn] sf/f]jf/ ug]{ Ohfhtkq kfPsf] ldltn] tLg aif{ ;Dd To:tf]
nufgLnfO{ k/n d"Nodf b]vfpg] gLlt /x]sf] 5 .
-cf_ sDkgLn] z]o/df nufgL u/]sf] klAns lnld6]8 sDkgLn] sf/f]jf/ ug]{ Ohfhtkq kfPsf] ldltn] tLg aif{ kl5 To:tf]
nufgLnfO{ k/n d"Nodf b]vfO{ ;f] nufgL a/fa/sf] Joj:yf ug]{ gLlt /x]sf] 5 .
-h_ v08 -r_ adf]lhd nufgL ul/Psf] z]o/ k|rlnt sfg'g adf]lhd lwtf]kq ahf/sf] ;"rLaf6 x6]df -De-listed ePdf_
;f] nufgL a/fa/sf] Joj:yf ug]{ gLlt /x]sf] 5 .
k|rlnt sfg'g adf]lhd sDkgLsf] :jfldTjdf gcfPsf] jf g/x]sf] z]o/, artkq, C0fkq jf cGo ;DklQnfO{ nufgLdf
;dfj]z gug]{ gLlt cjnDag u/]sf] 5 .
&= ;6xL 36a9 ;dfof]hg gLlt M sDkgLn] ljb]zL d'b|fdf /x]sf] ;DklQ / bfloTjnfO{ aiff{Gtsf] ljlgdo b/n] ?kfGt/ ug]{ tyf b}lgs ljlgdo b/af6 pTkGg
km/snfO{ gfkmf gf]S;fg lx;fadf n]vfÍg ug]{ gLlt cjnDag u/]sf] 5 .
*= aLdfz'Ns cfDbfgL n]vfÍg gLlt M sDkgLn] aLdf z'Ns cfDbfgL lx;fj, aLdf P]g tyf lgb]{lzsf adf]lhd, gub cfwf/df n]vfÍg ug]{ gLlt ckgfO{Psf]] 5 .
(= k'gaL{df sldzg cfDbfgL n]vfÍg gLlt M sDkgLn] k'gaL{df u/] afkt k|fKt x'g] d'gfkmf sldzgnfO{ gub k|flKtsf] cfwf/df cfDbfgL afWg] t/ k'gaL{dsaf6 lnlvt
;dy{g k|fKt ePsf] cj:yfdf gub k|flKt ;/x dfGg] gLlt cjnDag u/]sf] 5 .
!)= cGo cfo n]vfÍg tyf afF8kmFf8 gLlt M sDkgLn] nufgLdf k|fKt ug]{ Jofh tyf cGo cfDbfgLnfO{ k|f]befjL (Accrual) cfwf/df n]vfÍg u/L ljQLo ljj/0f lgb]{zg @)^%
cg';f/ s'n cfDbfgLnfO{ cfo Joo lx;fj tyf gfkmf gf]S;fg lx;fjsf] ef/ adf]lhd afF8kmfF8 ug]{ gLlt cjnDag u/]sf] 5 .
!!= shf{ n]vfÍg gLlt M sDkgLn] k|bfg u/]sf] shf{nfO{ -c;'nL x'g] kof{Kt cfwf/ ePsf]_ ;f+jfdf n]vfÍg ul/g] 5 . aLdfn]vsf] lwtf]df k|bfg u/]sf]
afx]s lgis[o shf{ h'g nuftf/ tLg dlxgf jf ;f] eGbf a9L cjlwsf] efsf gf3]sf] ePdf ;f] shf{ a/fa/ /sd Joj:yf ug]{
gLlt /x]sf] 5 . aLdfn]vsf] lwtf]df k|bfg u/]sf] shf{sf] xsdf aLdfn]vsf] ;t{ adf]lhd To:tf] shf{ ;+u ;DalGwt aLdfn]v
hkmt x'g' kg]{ ;dofjwL Plsg u/L hkmt x'g' kg]{ aLdfn]vsf] lwtf]df k|bfg ul/Psf] shf{nfO{ shf{ lzif{saf6 x6fO{ ;dfof]hg
ug]{ u/]sf] 5 . k|To]s cfly{s jif{sf] cGTodf hkmt x'g] aLdfn]v Plsg ul/g] gLlt /x]sf] 5 .
!@= Joj:yfkg vr{ afF8kmFf8 gLlt M sDkgLNf] s"n Joj:yfkg vr{nfO{ af+8kmf8+ ubf{ ljQLo ljj/0f ;DjGwL lgb]{zg @)^% cg';f/ s'n aLdf lk|ldodsf] #)
k|ltzt ;Ddsf] /sdnfO{ lgb]{zg !$=@ cg';f/ gfkmf gf]S;fg lx;fjdf !) k|ltzt / af+sL /sdnfO{ cfo Joo lx;fjdf
ltgLx?sf] ef/ cg';f/ afF8kmfF8 ul/Psf] 5 / #) k|ltzt eGbf a9L ePsf] /sdnfO{ lgb]{zg !$=# cg';f/ gfkmf gf]S;fg
lx;fjdf ;fg]{ gLlt cjnDag u/]sf] 5 .
!#= aLdf bfjL e'QmfgL vr{ n]vfÍg gLlt M sDkgLNf] e'QmfgL eO;s]sf] bfjL /sdnfO{ jf:tljs e'QmfgLsf] cfwf/df n]vfÍg ug]{ gLlt cjnDag u/]sf] 5 .
!$= aLdf bfjL afkt bfloTj Joj:yf n]vfÍg gLlt M -s_ >[hgf ePsf] t/ hfgsf/Ldf gcfPsf] -IBNR_ aLdf bfjL afkt bfloTj Joj:yf ;DaGwdf ljut aif{x?sf] cg'ejsf]
cfwf/df n]vfÍg ug]{ gLlt /x]sf] 5 . -v_ e'QmfgL lbg afFsL bfloTj /sdsf] nflu aLdf lgodfjnL @)$( sf] lgod !% -3_ df ePsf] k|fjwfg cg';f/ Ps ;o
kGw| k|ltzt /sd Joj:yf u/L n]vfÍg ug]{ gLlt lnOPsf] 5 .
!%= aLdf Joj;fodf art afF8kmFf8 gLlt M sDkgLNf] aLdf ;ldltsf] ljQLo ljj/0f ;DaGwL lgb]{zg @)^% cg';f/ art afF8kmfF8 ug]{ gLlt lnOPsf] 5 .
!^= sd{rf/L pkbfg, ljbf tyf cGo ;'ljwf afkt Joj:yf gLlt M sDkgLsf] sd{rf/L lgodfjnL cg';f/ sd{rf/L pkbfg, ljbf tyf cGo ;'ljwf afkt Joj:yf ug]{ gLlt /x]sf] 5 .
45tkfO{+sf] eljio xfd|f] cleef/f
Annual Report 2013/2014jflif{s k|ltj]bg @)&)÷@)&!
!&= z+sf:kb cf;fdL Joj:yf gLlt M sDkgLNf] z+sf:kb cf;fdLsf] nflu Joj:yfkgn] lgwf{/0f u/]sf] cg'dfg cg';f/ Joj:yf ug]{ gLlt /x]sf] 5 .
!*= ckn]vg vr{ n]vfÍg gLlt M s_ k|f/lDes tyf k"j{ ;~rfng vr{x?nfO{ sDkgL ;+rfng ePs} aif{df vr{ n]Vg] gLlt lnOPsf] 5 .
v_ ckn]vg ug{ afsL nufgL lk|ldodnfO{ :yug ul/Psf] vr{sf] ?kdf n]vfÍg u/L ;f] vr{nfO{ To:tf] nufgLsf] cjlw
leq ;dfg'kflts cfwf/df ckn]vg ug]{ gLlt /x]sf] 5 .
!(= cGo gLltx? M jf;nft, gfkmf gf]S;fg lx;fa, cfo Joo lx;fa nufotsf ljQLo ljj/0fnfO{ a'‰g / ljZn]if0f ug{ ;3fp k'Ug] cGo n]vf
gLltx? M
s_ aflif{s jf ;f] eGbf sd cjlwsf] aLdfz'Ns b/ tf]lsPsf] / aLdf cjlw ;dfKtL afkt bfjL e'QmfgL ug{' gkg]{ lsl;dsf]
aLdfsf] c;dfKt hf]lvd afkt v"b aLdf z'Nssf] krf; k|ltzt /sd jf aLdfÍLo d"NofÍg ePsf] cj:yfdf h'g a9L
x'G5 ;f] eGbf sd gx'g] u/L bfloTj /sd Joj:yf ug]{ gLlt lnOPsf] 5 .
v_ Psn aLdf z'Ns b/ tf]lsPsf] / aLdf cjlw ;dfKtL afkt bfjL e'QmfgL ug'{ gkg]{ lsl;dsf] aLdfsf] aLdf cjlwsf]
;dfg'kflts x'g]u/L jf aLdfÍLo d"NofÍg ePsf] cj:yfdf h'g a9L x'G5 ;f] eGbf sd gx'g] u/L bfloTj /sd Joj:yf
ug]{ gLlt lnOPsf] 5 .
u_ lhG;L df}Hbft -:6]zg/L tyf 5kfO{_ sf ;+aGwdf aiff{Gtdf /x]sf] ?= !),)))÷— eGbf dflysf /sdnfO{ df}Hbftdf
lng] gLlt /x]sf] 5 .
3_ c++snfO{ glhssf] ?k}+ofdf k|:t't ul/Psf] 5 .
Annual Report 2013/2014jflif{s k|ltj]bg @)&)÷@)&!
46 tkfO{+sf] eljio xfd|f] cleef/f
cg';"rL–@(ljQLo ljj/0f;+u ;DalGwt n]vf ;DaGwL l6Kk0fLx?
1 ;Defljt bfloTjx? Mc_ r'Qmf jf e'QmfgL x'g afFsL nufgL gePsf] .
cf_ xfn;Dd sDkgLn] s'g} k|Tofe"lt k|lta4tf u/]sf] 5}g .
O_ aLdfn]v cGtu{t eGbf afx]s s'g} bfjL k/]sf] 5}g .
O{_ sDkgLn] o; cf=j=df s'g} k|sf/sf] Uof/]06L lbPsf] 5}g .
p_ cGo bfloTj gePsf] .
2 aLdfÍLn] aLdssf] bfloTj d"NofÍg ubf{ cjnDag u/]sf] cfwf/x? . sDkgLsf] bfloTj d"NofÍg ;DaGwdf o; jif{ aLdfÍLaf6 s"n ladfz"Ns (Gross Premium Method) cfwf/df bfloTj
d"NofÍg ul/Psf] 5 . bfloTj d"NofÍg ubf{ aLdf ;ldltsf] bfloTj d"NofÍg ;DaGwL lgb]{lzsf @)^% cg';f/ ug]{ ul/Psf] 5 .
3 aLdssf] ;DklQdf cfPsf] ;Lldttf tyf ljjfbx? .sDkgLn] vl/b u/]sf] ;DklQsf] :jfldTj sDkgLdfg} /x]sf] tyf pQm ;DklQx?df s'g} ljjfbx? ePsf] 5}g .
4 shf{, nufgL tyf l:y/ ;DklQsf] nflu ul/Psf] k|lta4tf . ljQ sDkgLx?df u/]sf] nufgL tyf sDkgLdf /x]sf] l:y/ ;DklQx?sf] cj:yf /fd|f] /x]sf] 5 .
5 nufgL;+u ;DalGwt b]xfosf v/Lb laqmL ;Demf}tfx?sf] d"No Mc_ sDkgLn] v/Lb u/]sf] ;a} ;DklQx?sf] :jfldTj k|fKt eO;s]sf] 5 .
cf_ o; cf=j=df sDkgLn] laqmL u/]sf] ;DklQsf] e'QmfgL k|fKt eO;s]sf] 5 .
6 o; jif{e/L ul/Psf] nufgL tyf laqmL÷lkmtf{ lnPsf] nufgLsf]] ljj/0f .
qm=;= ljj/0f nufgL ?= nufgL lkmtf{{ ?= laqmL ?=1 g]kfn ;/sf/sf] C0fkq tyf art kq 15,000,000÷– 25,725,000÷– –2 sdl;{on a}+s 417,000,000÷– 332,500,000÷– –3 ljsf; a}+s 176,000,000÷– 17,500,000÷– –
4 ljQLo ;+:yfsf] d'2tL lgIf]k 85,500,000÷– 1,0000,000÷– –
5 klJns lnld6]8 sDkgLsf] ;fwf/0f z]o/ 32,056,227÷– – 25,702,333÷–6 sdl;{on l8j]Gr/ 23,200,000÷– – –
HfDdf 748,756,227÷– 385,725,000÷– 25,702,333÷–qm=;+ % cGtu{tsf] z]o/ ljlqmaf6 ?=!),($*,%(#÷)) sf] gfkmf u/]sf] 5 .
* ladf ;ldtLaf6 hf/L nufgL lgb]{lzsf cg';f/ ljsf; a}+sdf nufgL, hDdf nufgLsf] !% k|ltzt x'g' kg]{df !%=&*
k|ltzt eO{ )=&* k|ltzt a9L x'g uPsf] 5 . l/nfojn kmfOgfG; lnld6]8 ldlt @)&!.)!.)@ af6 l/nfojn 8]enkd]G6
a}sdf ?kfGt/0f ePsf] sf/0fn] ubf{ 8]enkd]G6 a}ssf] nufgL l;dfdf )=&* k|ltzt a9L x'g uPsf] xf] .
&= a}+s df}Hbft lx;fa ;DaGwdf ;DalGwt a}+s÷ljQLo ;+:yfsf] ;dy{g ;lxtsf] lx;fa ldnfg ;DaGwL Joxf]/f M a}+s tyf ljQLo ;+:yfx?df /x]sf] a}Í df}Hbft sDkgLsf] lx;fj;Fu Reconcile /x]sf] 5, / ljQLo ;+:yfx?af6 df}Hbft
;dy{g kq k|fKt ePsf]] 5 .
*= k'gaL{ds;+u lng'÷lbg' afFsL lx;fa ;DaGwdf M ;DalGwt k'gaL{dsnfO{ e'QmfgL ug'{ kg]{ / lng'kg]{sf] ;dy{g k|fKt ePsf]] 5 . pSt ;dy{gnfO{ lgDg tflnsf af6 AoSt ul/Psf] 5 .
l;=g ljj/0f /sd ?=!= k'gaL{df z'Ns e'QmfgL - k|fKt ;dy{g cg';f/ _ @@,%^$,*@$.&$
@= cfly{s jif{ @)&).&! sf] k'gaL{df artdf (surplus) efu !,!%,*%#.(%
-!–@_ V'fb lbg aFfsL -ljQLo ljj/0f cg';f/_ @@,$$*,(&).&(
47tkfO{+sf] eljio xfd|f] cleef/f
Annual Report 2013/2014jflif{s k|ltj]bg @)&)÷@)&!
(= aLdsn] u/]sf] nufgL k|rlnt aLdf P]g, lgodfjnL tyf aLdf ;ldltaf6 tf]lsP adf]lhd /x] g/x]sf] M sDkgLn] u/]sf] nufgL k|rlnt aLdf P]g, lgodfjnL tyf aLdf ;ldltn] tf]lsPsf] ;Ldf leq /x]/ ug]{ u/]sf] 5 .
!)= sDkgLsf] ;+rfns jf ;+rfns;+u ;DalGwt JolQm jf ;+:yf;+u sf/f]af/ ePsf] ljj/0f Mg]kfn n]vfdfg !^ (Nepal Accounting Standard-16) cg';f/ lgDgfg';f/nfO{ ;DalGwt kIf elg kl/eflift ul/Psf] 5 M
Joj:yfkgdf /x]sf k|d'v JolQmx?M
;+rfns tyf cWoIfnfO{ Joj:yfkgsf k|d'v JolQmsf] ?kdf lnOPsf] 5 . ;f]sf] ljj/0f lgDgfg';f/ /x]sf] 5 .
!= >L /fdjfj' kGt cWoIf
@= >L dx]]z s'df/ cu|jfn ;+rfns
#= >L x]dGt gfx6f ;+rfns
$= >L lagf]b s'df/ Kofs'/]n ;+rfns
%= >L lza l;x+ sfsL ;+rfns
^= >L u+uf k|;fb zdf{ ;+rfns
&= >L dgf]h s'df/ nfn s0f{ sf=d'=dxfk|jGws -ldlt @)&).)%.@% b]lv @)&!.)(.)$ ;Dd_ *= >L uf]kfn l3ld/] dxfk|jGws -ldlt @)&!.)#.#@ ;Dd_
Joj:yfkgsf k|d'v JolQmnfO{ o; sDklgn]] u/]sf] e'QmfgL M
;+rfns ;ldltsf] j}7s eQf jfkt ?= %%@,%)). / n]vfk/LIf0f tyf cGo ;ldltnfO{ j}7s eQf jfkt ?=!,@^,))). e'QmfgL
ePsf] 5 . ;+rfnsx?sf] JolQmut b'3{6gf aLdf afkt ?= @,!)%.)! lk|ldod e'QmfgL ul/Psf] 5 . pQm sfo{{sf] sDkgLsf]]
rf}}yf]] jflif{s ;fwf/0f ;efaf6 cg'df]bg ePsf] 5 .
k|d'v Joj:yfkg sd{rf/L / ltgnfO{ k|bfg ul/Psf] kfl/>lds / ;'ljwf
qm= ;+= Gffd kbrfn" tna eQf /
;'ljwf
eljiodf k|bfg
ul/g] ;'ljwf
bL3{sfnLg
;'ljwf
af]g; tyf
s= s= sf]ifhDdf
! gGb lszf]/ zdf{ dxfk|aGws -tTsfnLg_ ? !,@*$,^@$.@$ — — — ? !,@*$,^@$.@$
@ Uff]kfn l3ld/] dxfk|aGws -tTsfnLg_ ? !,@!$,%$$.*# — — — ? !,@!$,%$$.*#pk/f]Qm jfx]s OGwg / df]afOn kmf]gsf] lan adf]lhdsf] vr{ e'QmfgL ul/Psf] 5 .
!!= o; cfly{s jif{sf] cGtdf e'QmfgL x'g af+sL s'g} klg shf{ g/x]sf] .
!@= cf=j= @)^$.^%, cf=j=@)^%.^^, cf=j=@)^^.^&, cf=j=@)^&.^*, cf=j=@)^*.^( / cf=j=@)^(.&) sf] cfo ljj/0f :jod
s/ lgwf{/0f u/L ;DalGwt cf=/f=sf=df k]z ul/;lsPsf] 5 . pQm cfo ljj/0fx? dWo] cf=a= @)^^.)^& sf] ;DalGwt
sfof{noaf6 clGtd s/ lgwf{/0f eO{;s]sf] / cGo cfly{s jif{x?sf] clGtd s/ lgwf{/0f x'g af+sL /x]sf] 5 .
!#= o; cf=j=df lkmtf{ ul/Psf] aLdf z'Ns ?=(@(,@*@÷ /x]sf] 5 .
!$= cf=j=@)&).&! ;Ddsf] ljdfÍLo d"NofÍg ul/ lgodgsf/L lgsfo >L aLdf ;ldtLaf6 :jLs[tL k|fKt eO{ gof af]g; b/ ?=#$
b]lv ?=^% ;Dd k|tL xhf/ sfod ul/Psf] 5 .
!%= l9nf] aLdfz'Ns e'QmfgLdf lanDa z'Ns÷Aofhsf] b/ tyf aLdfn]vsf] lwtf]df k|bfg ul/g] shf{df Aofhsf] b/ M
l9nf] aLdfz'Ns e'QmfgLdf lanDa z'Ns jfkt !) k|ltztsf b/n] ljnDa z'Ns lng] ul/Psf] 5 . aLdfn]vsf] lwtf]df
k|bfg ul/Psf] shf{df !@ k|ltztsf b/n] Jofh b/ sfod ul/Psf] 5 . pNn]lvt ljnDj z'Ns tyf Jofh jfkt qmdzM ?=
!,)$!,!!*.)) tyf ?=(,^%,%#%. -ljut jif{ ?= !,#&^,&&*.)) tyf ?=#,%*,(%!.)) _ k|fKt u/]sf] 5 .
nufgLdf e'QmfgL u/]sf] lk|ldod ?=*$,%*#.)) Aff+sL /x]sf] /sd o; cf=j=df ckn]vg ul/Psf] 5 .
r'Qmf k"FhL dWo] clu|d e'QmfgL k|fKt (Paid in advance), e'QmfgL k|fKt x'g afFsL (Call in arrears) / hkmt ul/Psf t/ k'gM
lgisfzg ul/Psf z]o/x? 5}g .
Annual Report 2013/2014jflif{s k|ltj]bg @)&)÷@)&!
48 tkfO{+sf] eljio xfd|f] cleef/f
!^= lnh xf]N8 ;DklQdf ut jif{;Dd / o; jif{ vr{ (Amortization) n]lvPsf] /sdsf] ljj/0f M
ljj/0fut jif{;Ddsf]
s'n /sdut jif{;Ddsf]
vr{ n]lvPsf] /sdo; jif{sf]yk÷-36_
o; jif{sf]x|f;
;dfof]hgs'n vr{ jf+sL /sd
ljB'lto ;fdfg tyf h8fg &##,^$* !&!,)#% #&!,@%^ $),%^* – @!!,^)# *(#,#)!wf/f jfy?d ;fdfg tyf h8fg @^,&!& ^,#*( #^%,@%) !#,@%@ – !(,^$! #&@,#@^lgdf{0f tyf ;hfj6 @,)(#,(&* $%@,*(% !!,@*) *@,%^& – %#%,$&@ !,%^(,&*&
HfDdf @,*%$,#$# ^#),#!( &$&,&*^ !#^,#(^ – &^^,&!% @,*#%,$!$
!&= o; cf=j=df Jff;nft aflx/sf] sf/f]jf/ ePsf] 5}g .
!*= sd{rf/L cfjf; sf]if >d -klxnf] ;+zf]wg_ P]g, @)%$ sf] bkmf $! -!_ cg';f/ /fVg'kg]{ sd{rf/L cfjf; sf]ifsf] Joj:yf u/]sf] 5}g .
!(= cl3Nnf aif{ a9L bfaL ul/Psf] clu||d cfos/ ?= @$^,$$*.– nfO{ o; cf=j= df ;dfof]hg ul/Psf] 5 .
@)= jf;nft, gfkmf gf]S;fg lx;fa, cfo Joo lx;fa ufotsf ljQLo ljj/0fx?nfO{ a'‰m\g / ljZn]if0f ug{ ;3fp k'Ug] cGo
hfgsf/Lx?M
-s_ :yug s/ ;DklQ tyf bfloTj g]kfn n]vfdfg 9 cg';f/ @)&! cfiff9 d;fGtdf cfos/df lgDg cg';f/ u0fgf
ul/Psf] 5 .
ljj/0f n]vf cfwf/ s/ cfwf/ v"b /sd
l:y/ ;DklQ @!,@&(,*)* !(,^%#,)&! -!^@^,&#*_
nufgLdf lk|ldod – @*(,$#! @*(,$#!
nufgL afkt Joj:yf – – –
pkbfg Joj:yf @,#%@,)^@ – @,#%@,)^@
ljbf afkt Joj:yf %,@#(,(&% – %,@#(,(&%
shf{df gf]S;fgLsf]] nflu Joj:yf #,$$@ – #,$$@
o; jif{sf] gf]S;fg $^,!$%,@!! $^,!$%,@!!
cl3Nnf] jif{af6 ;fl/Psf] gf]S;fg %#,$*$,$$( %#,$*$,$$(
s"n c:yfO{ km/s !)%,**&,*#@
:yug s/ ;DklQ @%Ü @^,$&!,(%*
:yug s/ u0fgf ubf{ o; cf=j= b]lv cl3Nnf] jif{af6 ;fl/Psf] gf]S;fg ? %#,$*$,$$(.!# nfO{ c:yfO{ km/s dflg
o;af6 x"g cfpg] :yug s/ ;DklQ ?=!#,#&!,!!@.@( nfO{ o; cf=j= df ;dfof]hg ul/Psf] 5 . eljiodf kof{Kt s/
d'gfkmf cfh{g eO{ s/ gf]S;fgaf6 x"g cfpg] :yug s/ ;DklQnfO{ ;dfof]hg ug{ ;lsg]] s'/fdf Joj:yfkg ljZj:t 5.
-v_ DofbL hLjg / j}b]lzs /f]huf/ DofbL hLjg aLdfsf] cfo Joo lx;fjdf ePsf] d'gfkmf /sdnfO{ ut cf=j= h:t} u/L gfkmf
gf]S;fg lx;fjdf ;fl/Psf] 5 . cGo hLjg aLdfx?sf] cfo Joo lx;fjsf] Surplus /sdnfO{ hLjg aLdf sf]ifdf ;fl/Psf]
5 . aLdfÍLo d'Nof+Í0fsf] cfwf/df, hLjg aLdf sf]ifaf6 ?=!),$%),*$!.)) gfkmf gf]S;fg lx;fjdf ;fl/Psf] 5 .
-u_ sd{rf/L af]g; Joj:yf :yug s/ cfDbfgL/vr{ eGbf cl3sf] gfkmf ?= 3,48,77,155. df lgodfg';f/ ?= 31,70,650.
sd{rf/L af]g;sf] Joj:yf ul/Psf] 5 .
-3_ ljQLo ljj/0fsf] OSo"6Ldf ePsf] kl/jt{g ;DaGwL ljj/0fdf :yug s/ ;DklQnfO{ cGo hu]8fdf b]vfOPsf] 5 .
-ª_ o; cf= j= df af]g; z]o/ k|:tfj ul/Psf] 5}g .
-r_ k|:t't jif{sf] c+s;+u le8fg x'g] u/L ut jif{sf] c+sx? k'gu{7g / k'gj{lu{s/0f ul/Psf] 5 .
49tkfO{+sf] eljio xfd|f] cleef/f
Annual Report 2013/2014jflif{s k|ltj]bg @)&)÷@)&!
cg';
"rL–#)
k|d'v ;"rsfÍx¿
qm=;
+=ljj/
)f;"r
sfÍ
cf=a
=20
70÷71
2069
÷70
2068
÷69
2067
÷68
2066
÷67
!g]^
jy{
?= 6
25,027
,294
4
60,985,63
0 4
20,704
,139
3
94,008
,138
3
76,8
91,613
@
z]o/
;+Vo
f;+Vo
f 5
,000
,000
4
,113
,000
3
,600
,000
3
,600
,000
3
,600
,000
#
k|lt
z]o/
lstf
jL d
"No?=
125
=01
112
=08
116
=86
109
=45
104
=69
$v"b
gfkmf
?= 4
3,79
1,30
2 4
0,28
1,490
2
9,39
6,00
1 1
7,11
6,52
5 1
2,454
,628
%
k|lt
z]o/
cfo
(EP
S)?=
8=76
9=79
8=17
4=75
3=4
6 ^
k|lt
z]o/
nfe
f+z (
DPS)
?= –
–
–
–
–
&
k|lt
z]o/
ahf/ d
"No (
MPP
S)?=
750
166
=00
144=0
0 1
27=0
0 –
*
d"No
cfDbfgL
cg'k
ft (
PE R
atio
)cg'k
ft 8
5=63
1
6=95
1
7=64
2
6=71
–
(
k|yd a
if{sf] aL
dfz
'Ns?=
133
,137
,471
6
9,20
2,19
5 6
8,972
,448
61,60
3,12
2 5
6,00
2,71
4
!)s'n a
Ldfz
'Ns?=
415
,050
,310
2
16,515
,231
1
61,927
,151
1
16,8
31,338
7
7,27
4,384
!!v"b
aLdfz
'Ns÷s'n a
Ldfz
'Nsk|ltz
t91
=98
98=4
9 9
8=4
9 9
8=60
98=4
2 !@
v"b
gfkmf÷
s'n a
Ldfz
'Nsk|ltz
t10
=55
18=60
18=15
14=65
16=12
!#
s'n a
Ldfz
'Ns÷s'n ;
DklQ
k|ltz
t 2
9=24
2
2=51
2
1=78
2
0=24
1
7=18
!$
nuf
gL /
shf{a
f^ c
fo÷s'n n
ufgL
/ s
hf{
k|ltz
t 8
=96
9=0
0 1
0=08
1
0=85
7=12
!%s'n n
ufgL
/ s
hf{÷
hLjg
aLdfs
f]ifk|ltz
t 1
=78
2=0
6 2
=69
3=8
1 7
=00
!^k'g
aL{df sld
zg
cfo
÷s'n k
'gaL{d
fz'Ns
k|ltz
t 7
=53
5=72
6=9
5 6
=54
6=5
0 !&
Joj:
yfkg
vr{÷s'n a
Ldfz
'Nsk|ltz
t 2
3=71
2
2=71
3
3=42
36=36
4
1=03
!*
aLdf cle
stf
{ ;Da
lGw v
r{÷s'n a
Ldfz
'Nsk|ltz
t 1
4=9
5 1
3=42
17=15
2
2=95
2
6=94
!(
aLdf cle
stf
{ ;+Vo
f;+Vo
f31
7933
32 2
,730
2
,135
1
,682
@)sd{rf/L ;+Vo
f;+Vo
f15
812
1 9
7 1
03
80
@!sfo
f{nos
f] ;+Vo
f;+Vo
f54
36 3
6 3
6 3
3 @@
sd{rf/L vr{÷Jo
j:yf
kg v
r{
k|ltz
t 4
1=22
5
4=0
3 4
3=50
4
1=87
48=20
@#sd{rf/L vr{÷sd{rf/L ;+Vo
f ?
= 2
56,765
2
19,539
2
42,69
3 1
72,675
1
91,030
@$
e'Qmfg
L x'g
aF fsL b
fjL /
sd÷
e'Qmfg
L ePs
f] bfjL /
sd
k|ltz
t 8
=34
30=
41
64=36
97=85
230
=74
@%s'n s
fod /
x]sf] aL
dfn
]vsf] ;+Vo
f;+Vo
fdf
73,822
3
9,30
1 3
3,23
8
25,92
5 1
6,10
5 @^
o; j
if{ gj
Ls/)
f ePs
f] aL
dfn
]vsf] ;+Vo
f÷ut
jif{
sfo
d
/x]sf] aL
dfn
]vsf] ;+Vo
fk|ltz
t 5
3=68
4
9=95
3
8=0
4
61=24
8
3=53
@&bfjL k/]s
f] aLd
fn]vsf] ;
+Vof÷
s'n s
fod
/x]sf] a
Ldfn
]vsf] ;
+Vof
k|ltz
t 0
=44
0=5
2 0
=27
0=18
0=0
8
@*;f]Ne]G;
L dflh
{gk|ltz
t 3
=02
1=9
4
–
–
–
@(#f]lift
af]g
; b
/?= k
|ltxh
f/?= #$ b]lv
?=^%
?=#!
b]lv
?=^)
–
–
–
#)cGt
l/d a
f]g; b
/?= k
|ltxh
f/ ?=#$ b]lv
?=^%
?=#! b]lv ?=^)
–
–
–
Annual Report 2013/2014jflif{s k|ltj]bg @)&)÷@)&!
50 tkfO{+sf] eljio xfd|f] cleef/f
cg';
"rL–#!
aLdfÍsf] ljj/0f
qm=;+=
aLdfs
f] lsl
;d
sfod
/x]s
f] aLd
fn]vs
f] ;+Vo
fsf
od /
x]sf] a
Ldfn
]vsf] c
Gtu{t
hDdf
aLdfÍ
;d o
f6 l/:
s
(Sum
at R
isk)
k'gaL{d
snfO{
x:tfGt
/0f u
l/Psf
] ;d
of6
l/:s
(Sum
at R
isk)
aLdsn
] wf/0
f u/]s
f] ;d
of6 l/
:s
(Sum
at R
isk)
o; j
if{ut
jif{
o; j
if{ut
jif{
o; j
if{ut
jif{
o; j
if{ut
jif{
o; j
if{ut
jif{
!;f
jlws
hLjg
aLdf
40,37
033
,235
9,63
9,82
9,68
89,01
8,06
3,700
9,38
1,096
,088
8,75
9,33
0,10
04,
494,
773,3
334,15
4,15
2,345
4,88
6,322
,755
4,60
5,17
7,75
5
@cl
u|d e
'QmfgL ;
fjlws
hLjg
aLd
f3,3
302,49
81,0
05,8
30,000
800,88
0,00
099
7,05
2,00
079
2,10
2,00
057
6,010
,250
436,4
71,500
421,0
41,750
355,63
0,50
0
#?k
fGtl/t
;fjlws
Pj+ c
fhLjg
hLjg
aLd
f4,
702
3,564
1,476
,960
,000
1,228
,880
,000
1,470
,824
,500
1,222
,744
,500
830,18
2,50
069
4,60
6,250
640,64
2,00
052
8,13
8,25
0
$j}b
]lzs
/f]huf
/ Do
fbL h
Ljg
aLdf
25,4
16–
12,70
8,00
0,00
0–
12,708
,000
,000
–5,08
3,200
,000
–7,62
4,80
0,00
0–
%Do
fbL h
Ljg
aLdf
44
52,940
,000
12,240
,000
52,940
,000
12,240
,000
39,64
0,00
010
,740
,000
13,30
0,00
01,5
00,000
hDdf
73,8
2239
,301
24,8
83,55
9,688
11,06
0,063
,700
24,60
9,912
,588
10,7
86,4
16,60
011,
023,8
06,08
35,2
95,97
0,095
13,58
6,106
,505
5,490
,446
,505
51tkfO{+sf] eljio xfd|f] cleef/f
Annual Report 2013/2014jflif{s k|ltj]bg @)&)÷@)&!
Joj:yfkg k|ltj]bgkl/lzi6–!
-lgb]{zg % ;+u ;DalGwt_-s_ sDkgL ;DaGwL ;fdfGo hfgsf/L M
! ;+:yfkgf ldlt M o; sDkgL g]kfn ;/sf/, sDkgL /lhi6«f/sf] sfof{nodf ldlt @)^$÷)#÷!*÷@ df ljlwjt btf{ ePsf] 5 .
@ sDkgL btf{sf] k|df0fkq kfPsf] ldlt M sDkgLn] aLdf ;ldltaf6 @)^$÷!@÷)^ df g]kfn leq hLjg aLdf sf/f]jf/ ug{ Ohfht k|fKt
u/]sf] 5 .
# sDkgLn] cg'dlt kfPsf] aLdf Joj;fosf] lsl;d / k|sf/ M hLjg aLdf
$ sDkgLn] ldlt @)^%÷)!÷!! b]lv Joj;fo k|f/De u/]sf] xf] .
% cGo cfjZos ljj/0f g/x]sf] .
-v_ sDkgLsf]] ;+rfns ;ldltn] k|dfl0ft u/]sf a'Fbfx?M ! aLdf Joj;fo ug{ aLdf ;ldltaf6 hf/L ePsf] k|df0f kqsf] j}Btf sfod /x]sf] 5 .
aLdf P]g tyf lgodfjnL cg';f/ k|df0f kq gljs/0f eO;s]sf] / aLdf P]g @)$( sf] bkmf !! -s_ jdf]lhdsf] cj:yf g/x]sf]n] k|df0f
kqsf] a}wtf sfod /x]sf] .
@ sfg"g adf]lhd sDkgLn] ltg'{, a'emfpg' kg]{ s/, b08 hl/jfgf ;DalGwt lgsfodf a'emfpg afFsL /x]sf] 5}g . cf=j=@)&).&! sf] aLdf
;ldltnfO{ a'emfpg' kg]{ ;]jf z'Ns aLdf lgodfjlndf Joj:yf eP cg';f/ Dofb leq} e'QmfgL ul/g]5 .
# sDkgLsf] z]o/ :jfldTjsf] ;+/rgf, To;df ePsf] x]/k]m/sf] ljj/0f tyf sfod /x]sf] ;+/rgf k|rlnt sfg"gL Joj:yf cg'?k /x]sf] 5 .
$ aLdfÍLo d"NofÍg eO ;s]sf] / ;f]Ne]G;L dflh{g jfkt kof{Kt /sd ePsf]n,] ;f]Ne]G;L dflh{g jfkt s'g} /sdsf] Joj:yf ul/Psf] 5}g .
aLdfÍLo d"NofÍg kZrft ;ldltn] tf]lslbP adf]lhdsf] ;f]Ne]G;L dflh{g (Solvency Margin) sfod ul/Psf]] 5 .
% -s_ ;Dk"0f{ ;DklQx?sf] jf;nftsf] ldltsf] d"No jf:tljs ?kdf k|fKt x'g ;Sg] d"No÷ahf/ d"No eGbf a9L g/x]sf] .
-v_ a'Fbf -s_ adf]lhdsf] ;DklQsf] d"No t'ngf Historical Cost af6 x|f; s§L (WDV Method) 36fO{ ul/Psf] 5 .
sDkgLn] a}s tyf ljQLo sDkgLx?sf] d'2tL vftf, z]o/ nufgL tyf cGo Jofh k|fKt x'g] vftfx?df u/]sf] nufgLx? k|rlnt ``aLdf P]g
lgodfjnL tyf aLdf ;ldltn] tf]lsP adf]lhd ul/Psf] 5 .
^ sDkgLnfO{ cfO{ kg{ ;Sg] ;Dk"0f{ hf]lvdx? lg/fs/0fsf nflu c08//fOl6ª gLlt, k'gjL{df gLlt, nufgL gLlt, sd{rf/Lx?sf] b'3{6gf aLdf,
l:y/ ;DklQx?sf] aLdf ug]{ gLltx? cjnDag ul/Psf 5g .
& sDkgLsf] g]kfn aflx/ sfof{nox? g/x]sf] .
* o; cf=j=df s'n #@# j6f bfjL km5\of}{6 ePsf] / * j6f bfjL km5\of}{6 ug{ af+sL /x]sf] 5 .
( l:y/ ;DklQsf] x|f; s§L cfos/ P]g @)%* 4f/f lgb]{lzt b/ cGtu{t 36\bf] df}Hbft (Diminishing Balance) k4tL cg';f/ ul/Psf]
/ aLdf ;ldltsf] ljQLo ljj/0f ;DaGwL lgb]{zg @)^% -t]>f] kl/dfh{g_ sf] !(=! v sf] :kli6s/0f cg';f/ a}b]lzs /f]huf/ DofbL hLjg
aLdf Joj;fosf] ;dfg'kflts c;dfKt hf]lvdsf] Joj:yf ubf{ dlxgfsf] lx;fjn] ul/Psf] 5 . ljQLo ljj/0f tof/ ubf{ k|rlnt aLdf P]g,
@)$( aLdf lgodfjnL, @)$( / ;f] cGtu{t hf/L ul/Psf aLdf ;ldltsf] cfb]z jf lgb]{zg, sDkgL P]g @)^# tyf cGo sfg"gx? tyf
n]vfdfg, n]vfsf] l;4fGt / gLltx? kfngf ul/Psf] pb\3f]if0f ub{5f} .
!) -s_ sDkgLn] pko'Qm n]vf gLlt cjnDag u/]sf], ;f]sf] k|of]udf Ps?ktf sfod u/]sf] / To:tf] gLltsf] k/LIf0f u/L pko'Qmtf
Plsg u/]sf] 5 .
-v_ sDkgLsf] ljQLo ljj/0fn] jf;nftsf] ldltdf aLdssf] gfkmf gf]S;fg nufotsf ljQLo cj:yfsf] oyfy{ tyf jf:tljs
lrq0f ub{5 .
!! sDkgLsf] ;+rfns ;ldltn] sDkgLsf] ;DklQsf] ;'/Iffsf] nflu tyf hfn;fhL jf cGo clgoldttf kQf nufpg / /f]Sgsf nflu pko'Qm
/ kof{Kt Joj:yf u/]sf] 5 .
!@ sDkgLn] æGoing Concern BasisÆ df cfˆgf] ljQLo ljj/0f tof/ u/LPsf] 5 .
!# Joj;fosf] k|s[lt cg'?ksf] cfGtl/s n]vf k/LIf0f afXo n]vf k/LIfsaf6 cf=j= @)^%.^^ b]lv ;'? ul/Psf] / ;f] k|efjsf/L /x]sf] 5 .
!$ k|rlnt aLdf P]g, @)$( tyf sDkgL P]g @)^# / ;f] cGtu{tsf lgodfjnL, cfb]z jf lgb]{zgsf] k|lts"n x'g] u/L s'g} JolQm, kmd{, sDkgL
tyf sDkgLsf] ;+rfns jf ;+rfnssf] :jfy{ /x]sf] ;+:yf;+u sf/f]af/ ul/Psf] 5}g .
!% h'g aif{sf] aflif{s k|ltj]bg tof/ ul/Psf] xf] ;f] aif{df aLdf ;ldltn] aLdsnfO{ s'g} b08 hl/jfgf tf]s]sf] 5}g .
!^ Joj:yfkgn] cfjZos 7fg]sf cGo s'/fx? g/x]sf] .
Annual Report 2013/2014jflif{s k|ltj]bg @)&)÷@)&!
52 tkfO{+sf] eljio xfd|f] cleef/f
aLdf ;ldltsf] ldlt @)&@.)%.!& sf] kqaf6 sDklgsf] cf=j @)&).&! sf] ljlQo ljj/0f :jLs[t ubf{sf zt{x? pk/ sDkgLsf] hjfkm .
-!_ sDkgLn] clestf{x?nfO{ k|bfg u/]sf] C0f tyf ;fk6L /sd c;'n ug]{ tkm{ sDkgL ;b}j ;r]t /xL /x]sf] / ;f]xL cg'?k sfo{ ul//x]sf] ;fy} cl3Nnf] cf=j -)&).&!_
sf] t'ngfdf o; cf=j )&!.&@ df sDkgL ;r]t /xL clestf{ C0f ;fk6L sd k|jfx u/]sf] / c;'n pk/ ug]{ sfo{nfO{ k|fyldstf lbPsf] Aoxf]/f cjut u/fpb5f} .
/ eljiodf ;d]t clestf{ C0fnfO{ cem Aoj:yLt agfpb} nlug] 5 .
-@_ sDkgLsf] Aoj:yfkg vr{ 36fpg] tkm{ Joj:yfkg ljz]if ;ls|o /x]sf] hfgsf/L u/fpb}, cfufdL cf=j sf] Aoj:yfkg vr{ df aLdf ;ldltaf6 hf/L ul/Psf] lgb]{zgsf]
kl/lw leq /xL Aoj:yfkg vr{ ug]{ hfgsf/L u/fpb5f} .
-#_ k"0f{ ljj/0f gv'n]sf] aLdfz'Ns ljut aif{x?eGbf sd x'b} uPsf] / eljiodf klg To:tf] /sd nfO{ ;dod} klxrfg u/L cfDbfgL afWg Aoj:yfkg ;b}a ;hu /x]sf]
k|ltj¢tf Aotm ub{5 .
-$_ sDklgsf] ;du| hf]lvdx?sf] klxrfg u/L ;f]sf] Aoj:yfkgnfO{ ;do ;dodf ljZn]z0f u/L hf]lvd Aoj:yfkg NffO{ k|efjsf/L agfO{g] 5 .
-%_ sDkgLn] lhG;L ;fdfg tyf ;]jf vl/b ubf{ ldtAooL tyf kf/bzL{ ?kdf ug]{ ul/Psf] Aoxf]/f caut u/fpb5f}+ / elaiodf o;nfO cem k|efjsf/L agfOg] k|ltj¢tf
Aotm ub{5f} .
-^_ sDkgLn] ;+rfnssf] ljlQo :jfy{ EfPsf] a}+s tyf ljlQo :f+:yfdf ;ldlt af6 hf/L lgb]{zg pk/fGt To:tf a}s tyf ljlQo :f+:yfdf nufgL g/x]sf / eljiodf ;d]t
nufgL gul/g] Aoxf]/f hfgsf/L u/fpFb5f} .
-&_ aLdf ;ldlt af6 hf/L aLdssf] ;+:yfut ;'–zf;g ;DjGwL lgb]{lzsf k"0f{ ?kdf kfngf ul//x]sf] / cufdL lbgx?df ;d]t kfngf ul//xg sDkgL k|lta¢ /x]sf] 5 .
-*_ sDklgsf] jflif{s ;fwf/0f ;ef ;ldltn] ljlQo ljj/0f :jLs[t u/]sf] ldltn] $% lbg leq ul/g]5 .
-(_ cfGtl/sf n]vf kl/Ifsn] cf}NofPsf s}lkmotx? ;'wf/ ug{ / lgoGq0f k|0ffnL ,;'–zf;g tyf lbUb{zg cflb k|efjsf/L jgfO cfjZos Aoj:yf u/L sfo{ ;+Grfng
u/L /x]sf] Aoxf]/f hfgsf/L u/fpb5f} .
53tkfO{+sf] eljio xfd|f] cleef/f
Annual Report 2013/2014jflif{s k|ltj]bg @)&)÷@)&!
sDkgLsf aLdf of]hgfx?;"of{ ;+/lIft -;fjlws_ hLjg aLdf of]hgf (Endowment Plan )
o; of]hgf cGtu{t aLdf ubf{ clgjfo{ art / cfˆgf] kl/jf/sf] ;'vb eljiosf nflu cfly{s 6]jf k|fKt x'G5 . of] hLjg aLdf
of]hgfn] aLldt lhljt /x]sf] jf g/x]sf] b'j} cj:yfdf cfly{s 6]jf k|bfg ub{5 . of] of]hgfdf b'3{6gf nfe tyf c+ue+u la?4sf] nfe
;d]tsf] aLdf lglZrt zt{x?sf] clwgdf /x]/ ug{ ;lsG5 .
;"of{ cfzfwg -clu|d e'QmfgL_ hLjg aLdf of]hgf (Money Back Plan)
o; aLdf of]hgfdf aLldtx?sf] cfjZostf kl/k"lt{sf] nflu aLdfsf] rfn' cjwL leq} k"j{ 3f]if0ff ul/Psf] aLdfÍ tf]lsPsf] ;do
cGt/df e'QmfgL lbg] egL ul/Psf] s/f/ /sdsf] lglZrt k|ltzt /sd aLldtnfO{ lkmtf{ x'G5 . of] of]hgf !% / @) aif]{ cjlwdf
nfu" x'G5 .
aLdf nfe tflnsf
aLdf k|f/De ePsf] ldltn] !% aif]{ of]hgf @) aif]{ of]hgf% aif{ kl5 aLdfÍsf] #)Ü aLdfÍsf] @)Ü
!) aif{ kl5 aLdfÍsf] @)Ü aLdfÍsf] @)Ü
!% aif{ kl5 aLdfÍsf] %)Ü ± cflh{t af]g; aLdfÍsf] @)Ü
@) aif{ kl5 – aLdfÍsf] $)ܱ cflh{t af]g;
o; aLdfn]vdf aLdf cjwL leq olb s'g} klg sf/0faf6 aLldtsf] d[To' ePdf d[To' eGbf cuf8L ls:tfaGbLdf e'QmfgL ul/;s]sf]
aLdfÍnfO{ u0fgf gu/L ztk|ltzt aLdfÍ / ;dfg'kflts cfh{g u/]sf] af]g; aLdfn]vdf O{R5fPsf] JolQmnfO{ e'QmfgL ul/G5 .
;"of{ ;+/lIft -;fjlws_ hLjg aLdf of]hgf / ;"of{ cfzfwg -clu|d e'QmfgL_ hLjg aLdf of]hgfsf yk ;'ljwfx? M
-s_ bf]xf]/f] b'3{6gf nfe (ADB) -v_ :yfoL ?kdf c+ue+u (PTD) -u_ aLdf z'Ns e'QmfgL ldGxf (PWB)
afnaflnsf aLdf of]hgfx? (Child plan )
cfhsf afnaflnsfx? Eff]nLsf s0f{wf/ x'g\ . logLx?sf] kfng kf]if0f tyf lzIff, lbIff / eljio k|lt ;hu /xL ;"of{ nfOkm OG:of]/]G;n]
afnaflnsf aLdf of]hgf k|:t't u/]sf] 5 . hxfF tkfO{sf gfgLx?n] cfˆgf] eljio ;'gf}nf] cIf/ sf]l/Psf] / pHofnf] eljio ePsf]
kfpg] 5g\ . ef]lnsf lbgdf ;GttLx?sf] pRr lzIff cWoog ug{ plgx?n] rfx]sf] OlGhlgol/Ë, 8fS6/, rf6{8 PsfpG6]06, gl;{Ë, tyf
cGo laifox? k9\g rflxg] /sdsf] ;'lglZrttf ug{ cfh} b]lv afn aLdf u/L ;Gtfgsf] ;'gf}nf] eljio ;'lglZrt ug{ ;Sg'x'g]5 .
;fy} laxfjf/L nflu o; aLdf of]hgfn] e/k'/ 6]jf k|bfg ug]{5 .
afn aLdf of]hgfx?M
!= ;"of{ ;+/lIft afn -;fjlws_ hLjg aLdf of]hgf -)–!% aif{ ;Ddsf afnaflnsfsf lgldQ_
@= ;"of{ afnwg -clu|d e'QmfgL_ hLjg aLdf of]hgf -)–!% aif{ ;Ddsf afnaflnsfsf lgldQ_
cltl/Qm ;'ljwf M
-s_ aLdfz'Ns ldGxf nfe (PWB) -v_ dfl;s cfDbfgL ;'ljwf (MIB)
Pp6} aLdfn]vaf6 afnaflnsf tyf cleefjssf] aLdf ul/ hf]lvd sd ug{ ;3fp k'¥ofpFb5 .
;"of{ ;'bz{g ;fjlws Pj+ cflhjg aLdf of]hgf (Endowment Cum Wholelife)
hLjgsf x/]s kn kl/jf/ ;u} afF8\g] ul/G5, kfl/jfl/s ;xof]un] g} dflg;n] cfˆgf] nIo tyf pknAwL k|fKt ub{5 . ;fy} kfl/jfl/s
v';L cfˆgf] v';L x'g cfpF5 . To;}n] æhLjg /xFbf klg / hLjg kZrft klgÆ kfl/jfl/s ;'/Iff / ;'lglZrttfsf nflu ;"of{ nfOkmn]
ætkfO{ kl/jf/sf] ;fy, ;"of{ nfOkm tkfO{sf] ;fyÆ eGb} ;"of{ ;'bz{g ;fjlws Pj+ cflhjg aLdf of]hgf k|:t't u/]sf] 5 .
aLdf cjlw;Dd aLldt lhljt /x]df aLdfÍ /sd / lgodfg';f/sf] af]g; aLldt cfkm}n] k|fKt ug{ ;Sg]5 eg] aLdf ;dofjlw kZrft
yk s'g} z'Ns glt/Lsg d[To' gx'Gh]n ;Dd aLdfn]v rfn' /lx/xg]5 . aLldtsf] d[To' ePdf d[To' kZrft km]/L aLdfÍ a/fa/sf] /sd
aLldtsf] kl/jf/n] jf O{R5fPsf] JolQmn] k|fKt ug]{5 .
Annual Report 2013/2014jflif{s k|ltj]bg @)&)÷@)&!
54 tkfO{+sf] eljio xfd|f] cleef/f
cltl/Qm yk ;'ljwf
o;df ? #) nfv ;Ddsf] bf]xf]/f] b'3{6gf nfe k|fKt x'g]5 .
;"of{ ;fd"lxs Ps alif{o DofbL hLjg aLdf of]hgf (Surya Group Term Assurance Plan)
of] of]hgf s'g} klg ;+ul7t ;+:yf, sDkgL, k|lti7fg jf ;+:yfut O{sfO{df nfu" x'g]5 .
of] of]hgfsf nfluM
-s_ sDtLdf @% hgfsf] ;d"x x'g' kg]{5 . -v_ k|To]s aif{ gljs/0f ug'{kg]{5 . u_ !^ aif{ b]lv ^) aif{ pd]/ ;d"xsf] JolQm x'g'
kg]{5 .
o; of]hgfdf bf]xf]/f] b'3{6gf nfe cGtu{t ?= % nfv;Ddsf] ;'ljwf k|fKt x'g]5 .
;"of{ ;fd"lxs ;fjlws aLdf of]hgf (Surya Group Endowment Policy with Profi t)
;x'lnot aLdfz'Ns b/df tof/ kfl/Psf] nfe ;lxtsf] of] ;fd"lxs aLdf of]hgf s'g} klg ;+ul7t ;+:yf, sDkgL, k|lti7fgsf
sd{rf/Lx? jf ;b:ox?sf] hLjg aLdfsf] nflu pknAw x'g]5 .
s_ Go"gtd ;b:o ;+VofM !) hgf v_ k|j]z pd]/M !^ aif{ b]lv %% aif{ ;Dd
u_ aLdf cjlw M % aif{ b]lv $$ aif{ ;Dd 3_ Go"gtd aLdfÍM ? !),))).–
ª_ k'/f ! aif{sf] aLdfz'Ns e'QmfgL kZrft r'Qmfd'No, ;dk{0f d'No, C0f ;'ljwf k|fKt x'g] Pj+ JolQmut hLjg aLdfdf ;d]t kl/jt{g
ug{ ;lsg] .
r_ ?= % nfv ;Ddsf] bf]xf]/f] b'3{6gf nfe k|fKt ug{ ;lsg] .
;"of{ ;'/lIft -l;ldt e'QmfgL ;fjlws_ hLjg aLdf of]hgf (Surya Limited Payment Endowment Plan)
o; of]hgf cGtu{t Ps} k6s jf l;ldt cjwL ;Dd dfq aLdfz'Ns e'QmfgL u/L lgwf{l/t ul/Psf] aLdf cjwL ;Ddsf] aLdf /Iffj/0f
nfe tyf af]g; k|fKt ug{ ;lsG5 . of] of]hgfdf ?= #) nfv ;Ddsf] bf]xf]/f] b'3{6gf nfe tyf c+ue+u lj?4sf] nfe k|bfg ul/Psf] 5 .
a}b]lzs /f]huf/ DofbL hLjg aLdf (Foreign Employement Term Life Insurance Policy)
lab]zdf /f]huf/Lsf nflu hfg] sd{7 g]kfnLx?sf] hf]lvd /Iffa/0ffy{ clwstd\ ?= * nfv;Ddsf] bfjL Joj:yf ul/Psf] of] hLjg
aLdf ;+rfngdf 5 .
;"of{ wga[l4 -clu|d e'QmfgL ;fjlws_ hLjg aLdf of]hgf (Surya Limited Payment Money Back Plan)
• aLdfsf] cjlw ;dfKtL cufj} ;Dk"0f{ aLdfÍ /sd e'QmfgL x'g] .
• Psn jf l;ldt cjlwdf aLdfz'Ns e'QmfgL ug{ ;lsg] .
• aLldtsf] d[To' ePsf] cj:yfdf Psn aLdfz'Ns e'QmfgLsf] xsdf aLdfÍsf] @=% -c9fO{_ u'0ff tyf cGo aLdfz'Ns e'QmfgL
tl/sfdf zt\k|ltzt aLdfÍ / lgodfg';f/ af]g; e'QmfgL x'g] .
• aLdf of]hgf !%, @) / @% aif{sf] x'g] .
• aLdfÍ lkmtf{ ul/g] tl/sfM
aLdf k|f/De ePsf] ldltn] !% aif]{ of]hgf @) aif]{ of]hgf @% aif]{ of]hgf $ aif{ kl5 aLdfÍsf] #)Ü aLdfÍsf] @%Ü aLdfÍsf] @)Ü
* aif{ kl5 aLdfÍsf] #)Ü aLdfÍsf] @%Ü aLdfÍsf] @)Ü
!@ aif{ kl5 aLdfÍsf] $)Ü aLdfÍsf] @%Ü aLdfÍsf] @)Ü
!% aif{ kl5 cflh{t af]g; aLdfÍsf] @%Ü aLdfÍsf] @)Ü
!* aif{ kl5 – – aLdfÍsf] @)Ü
@) aif{ kl5 – cflh{t af]g; –
@% aif{ kl5 – – cflh{t af]g;
• ?= #) nfv ;Ddsf] b'3{6gf nfe tyf c+ue+u la?4sf] nfe k|fKt ug{ ;lsg] .
55tkfO{+sf] eljio xfd|f] cleef/f
Annual Report 2013/2014jflif{s k|ltj]bg @)&)÷@)&!
;"of{ nfOkm OG:of]/]G; sDkgL lnld6]8/lhi68{ sfof{noM lj/f6gu/ df]/Ë
skf{]/]6 sfof{noM rf6{8{ 6fj/, rf}yf] tNnf, ;fgf] uf}r/g, 1fg]Zj/, sf7df8f}+
tLg dxn] ljj0f
ldlt @)&@÷)^÷@@ ut] x'g] ;"of{ nfOkm OG:of]/]G; sDkgL lnld6]8sf] ;ftf}} aflif{s ;fwf/0f ;efdf k]z x'g] k|aGwkqsf] bkmf ^-s_, ^-v_, ^-u_ tyf lgodfjnLsf] lgod #! -!_ / #!-@_ ;+u ;DalGwt ;+;f]wg k|:tfj
k|aGwkq tk{msf] ;+zf]wgbkmf xfnsf] Joj:yf ;+zf]wg x'g] k|:tfj ;+zf]wgsf] cf}lrTotf^ -s_ sDkgLsf] clws[t k"h+L ?= %),)),)),))).–
-krf; s/f]8_ x'g]5 . ;f] k"+hLnfO{ k|lt z]o/
?= !)) sf b/n] %),)),))).– -krf;
nfv_ yfg z]o/df laefhg ul/Psf] 5 .
sDkgLsf] clws[t k"h+L ?= @,)),)),)),))).–
-b'O{ ca{_ x'g]5 . ;f] k"+hLnfO{ k|lt z]o/
?= !)) sf b/n] @,)),)),))).–-b'O{ s/f]8_
yfg z]o/df laefhg ul/Psf] 5 .
sDkgLsf] clws[t k"+hL a[l4
u/L sDkgLsf] cfly{s ;Ifdtf
clea[l4 ug{ cfjZos ePsfn] .
^ -v_ sDkgLn] tTsfn hf/L ug]{ z]o/ k'+hL
?= %),)),)),))).– -krf; s/f]8_ x'g]5 .
;f] r'Qmf k'+hLnfO{ k|ltz]o/ ?= !)).– sf
b/sf %),)),))).– -krf; nfv_ yfg
;fwf/0f z]o/df ljefhg ul/Psf] 5 .
sDkgLn] tTsfn hf/L ug]{ z]o/ k'+hL
?= ^@,%),)),))).– -a};¶L s/f]8 krf; nfv_
x'g]5 . ;f] r'Qmf k'+hLnfO{ k|ltz]o/ ?= !)).– sf
b/sf ^@,%),))).– -a};¶L nfv krf; xhf/_
yfg ;fwf/0f z]o/df ljefhg ul/Psf] 5 .
;ftf}+ aflif{s ;fwf/0f ;efaf6
$M! cyf{t $ a/fa/ ! xsk|b
z]o/ k|bfg ug]{ eP adf]lhd
sDkgLsf] hf/L k'+hL a[l4 ug{
cfjZos ePsfn] .
^ -u_ sDkgLsf ;+:yfksx?n] tTsfn r'Qmf ug{
sjf]n u/]sf] k"+hL ?= #%,)),)),))).–
-k}lt; s/f]8_ tyf ;j{;fwf/0faf6
?= !%,)),)),))).– -kGw| s/f]8_ x'g]5 .
sDkgLsf ;+:yfksx?n] tTsfn r'Qmf ug{ sjf]n
u/]sf] k"+hL ?= $#,&%,)),))).– -lqrfln;
s/f]8 krxQ/ nfv_ tyf ;j{;fwf/0faf6
?= !*,&%,)),))).– -c7f/ s/f]8 krxQ/
nfv_ u/L hDdf ?= ^@,%),)),))).– -a};¶L
s/f]8 krf; nfv _ x'g]5 .
;ftf}+ aflif{s ;fwf/0f ;efaf6
$M! cyf{t $ a/fa/ ! xsk|b
z]o/ k|bfg ug]{ eP adf]lhd
sDkgLsf] r'Qmf k'+hL a[l4 x'g]
ePsfn] .
lgodfjnL tk{msf] ;+zf]wgbkmf xfnsf] Joj:yf ;+zf]wg x'g] k|:tfj ;+zf]wgsf] cf}lrTotf
#! -!_ ;d"x æsÆ ;+:yfks z]o/wlgx?
dWo]af6 % -kfFr_ hgf
;d"x æsÆ ;+:yfks z]o/wlgx? dWo]af6
$ -rf/_ hgf .
sDkgLdf ;+rfnsx?sf] æsÆ
;d"x cGtu{tsf] z]o/ :jfldTjsf
cfwf/df k|ltlglwTj cg'kft
ldnfpg cfjZos ePsfn] .
#!-@_ ;d"x ævÆ ;j{;fwf/0f z]o/wlgx?
dWo]af6 ! -Ps_ hgf .
;d"x ævÆ ;j{;fwf/0f z]o/wlgx? dWo]
af6 @ -b'O{_ hgf .
sDkgLdf ;+rfnsx?sf] ævÆ ;d"x
cGtu{tsf] z]o/ :jfldTjsf cfwf/df
k|ltlglwTj cg'kft ldnfpg cfjZos
ePsfn] .
Premium Income for the FY 2070-71
EndowmentLife PolicyLife
Endowment &Whole Life
policy10%
Foreign TermLife Policy
15%
Term Life Policy0.05%
-
200
400
600
800
1,000
1,200
1,400M
illio
ns
Total Turnover
Investment
Comparative Growth Trend of Turnover & Investment
67%Moneyback
Policy8%
ctkfO{+sf] eljio xfd|f] cleef/f
Annual Report 2013/2014jflif{s k|ltj]bg @)&)÷@)&!
!!
@@ **
## &&$$
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% ^ & * /fs]z kf]v/]n lbg]z cdfTo clelht s]=;L= O{Zj/ s'df/ ;]8fO{ ;xfos dxfk|aGws ;xfos dxfk|aGws hf]lvdfÍg ljefu sDkgL ;lrj, bfjL ljefu
;"of{ nfOkm OG:of]/]G; sDkgL lnld6]8Surya Life Insurance Company Limited
skf{]/]6 sfof{norf6{8{ 6fj/, rf}yf] tNnf, ;fgf]uf}r/g, 1fg]Zj/, sf7df08f}, g]kfn, kf]i6 aS; gDa/ !%!@!
kmf]g g+= )!—$$@#&$#, km\ofS; g+= )!—$$!(%^%, 6f]n lk|m g+= !^^)—)!—^))))Od]n M [email protected], j]e ;fO6 M www.suryalife.com
sfof{no k|d'v tyf If]qLo sfof{nox¿
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sdn hf]zL– alb{of, )*$—$@)$^^ ld7' yfkf– Affx«la;], )!!—$*(#@( lbns]Zj/ ltjf/L– dn+ujf, )$^—%@!^()
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