;"of{ nfOkm OG:of]/]G; sDkgL lnld6]8Surya Life Insurance Company Limited
tkfO{sf] eljio, xfd|f] cleef/f
Annual Report 2014/2015jflif{s k|ltj]bg @)&!÷@)&@
Your Future, Our Responsibility
;+rfns ;ldlt cWoIf >L /fdafa' kGt g]kfn /fi6« a}+sdf @% aif{ sfo{/t /xg' ePsf] / ;f] cjlwdf kfFr aif{ 8]k'6L ue{g/ /xg' ePsf] lyof] . a}+lsË If]qsf] nfdf] cg'ej xfl;n ug'{ ePsf pxfF xfn cfO{=l;=Pkm=l;= ljlQo ;+:yfsf] k|d'v sfo{sf/L clws[t x'g'x'G5 .
sDkgLsf] ;+rfns /xg' ePsf >L x]dGt gfxf6f Jofkf/ Joj;fosf] If]qdf ;lqmo JolQmTj x'g'x'G5 . xlg OG6/k|fOh]h k|f=ln= nufotsf sDkgLdf cfj4 /xg' ePsf pxfFn] aLdf tyf a}+sdf ;+rfns eO{ sfo{ ug'{ ePsf] 5 . s}nfz lasf; a}+sdf ;+rfns /lx ;Sg' ePsf pxfF Jofkf/ Joj;fodf lg/Gt/ ;+nUg x'g'x'G5 .
sDkgLsf] ;+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 /lx k|aGws kbaf6 cjsf; k|fKt ug'{ ePsf] lyof] . pxfF xfn PgcfO{l; Plzof a}+s lnld6]8df ;+rfns /xg' ePsf] 5 .
sDkgLsf] ;+rfns >L 8f=lagf]b cfq]o g]kfn /fi6« a}+ssf] sfo{sf/L lgb]{zs, g]kfn a}+s lnld6]8sf] k|d'v sfo{sf/L clws[t /lx sfo{ ug'{ ePsf] JolQmTj x'g'x'G5 . ;+o'Qm /fi6« ;+l3o lasf; sfo{qmddf ;d]t la1sf] ?kdf sfo{ ul/;Sg' ePsf pxfF xfn Odlh{Ë g]kfn ln=sf] k|d'v sfo{sf/L clws[t x'g'x'G5 .
sDkgLsf] ;+rfns /xg' ePsf >L lazfn cu|jfn /]z' u|'k ckm sDklghsf pkfWoIf x'g'x'G5 . s]=kL= l;d]G6 OG8l:6«h k|f=ln=, ;gfx Soflk6n k|f=ln, sdn lagfos 8]enk;{ k|f=ln=df ;+rfns /xg' ePsf pxfF Aofkf/ Aoj;fosf] If]qdf lqmoflzn AolQmTj x'g'x'G5 .
sDkgLsf] :jtGq ;+rfns >L u+uf k|;fb zdf{ ;/sf/L ;]jfdf nfdf] ;do sfo{/t /xg' ePsf] / ;]jf cjlwdf g]kfn ;/sf/sf] cy{dGqfno cGtu{tsf ljleGg lgsfodf ;]jf/t /xg' ePsf] lyof] . pk–;lrj kbaf6 cjsfz k|fKt pxfF ;]jf cjlwdf x]6f}8f l;d]G6sf] ;+rfns /xg' ePsf] lyof] .
;+rfns ;ldlt>L /fdafa' kGt
>L x]dGt gfxf6f
>L lagf]b s'df/ Kofs'/]n
>L 8f= lagf]b cfq]o
>L lazfn cu|jfn
>L u+uf k|;fb zdf{
tkfO{+sf] eljio xfd|f] cleef/f
Annual Report 2014/2015jflif{s k|ltj]bg @)&!÷@)&@8th
ljifo ;"rL
qm=;+= ljj/0f k]h g+=
!= cf7f}+ 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 / ;f] sf] hjfkm %%–%^
!)= sDkgLsf aLdf of]hgfx? %&–%*
!!= tLg dxn] ljj/0f %(
1tkfO{+sf] eljio xfd|f] cleef/f
Annual Report 2014/2015jflif{s k|ltj]bg @)&!÷@)&@8th
;"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]
cf7f}+ aflif{s ;fwf/0f ;ef ;DaGwL ;"rgf-Kf|yd k6s ;"rgf k|sflzt ldltM @)&#.!@.@! ut]_
o; sDkgLsf] ldlt @)&#÷!@÷++!* ut] z'qmaf/ - tb\g';f/ #! dfr{ @)!&_ a;]sf] ;+rfns ;ldltsf] !*$ cf}+ a}7ssf] lg0f{ofg';f/ sDkgLsf] cf7f}+} 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] lalxaf/ -tb\g';f/ @& clk|n @)!&_ :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 cGtu{t M != cWoIfHo"sf] dGtJo tyf ;+rfns ;ldltsf] aflif{s k|ltj]bg pk/ 5nkmn u/L kfl/t ug{] . @= n]vf k/LIfssf] 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 k/LIf0f ;ldltsf] l;kmfl/; adf]lhd cf=j= @)&@÷)&# sf] nflu n]vf k/LIfssf] lgo'QmL ug]{ / lghsf]
kfl/>lds lgwf{/0f ug]{ . - jt{dfg n]vf k/LIfs a]s/ l6NnL b]j Pzf]l;P6\; rf6{8 Psfp06]06 k'gM lgo'lQmsf nfuL of]Uo x'g'x'G5 . _
$= ;+rfns ;ldltn] k|:tfj u/] adf]lhd af]g; z]o/sf] s/ k|of]hgfy{ ?= !^,$$,&#&.– -cIf/]kL ;f]x| nfv rf}jfln; xhf/ ;ft ;o ;}lt; ?k}of_ gub nfef+; l:js[t ug]{ .
%= ;+:yfks z]o/wlg ;d"x æsÆ af6 k|ltlglwTj ug]{ $ -rf/_ hgf ;+rfns / ;j{;fwf/0f z]o/wgL ;d'x ævÆ af6 k|ltlglwTj ug]{ ! -Ps_ hgf ;j{;fwf/0f ;+rfnssf] lgjf{rg ug]{ .
^= ;+rfns ;ldltsf] lg0f{ofg';f/ lgo'Qm k|d'v sfo{sf/L clws[tsf] kfl/>lds Pj+ ;'ljwfsf] cg'df]bg ug]{ . &= ;+rfns ;ldltaf6 cf=j= @)&!.&@ sf nfuL lgo'Qm n]vfkl/IfsnfO{ yk ul/Psf] kfl/>ldssf] cg'df]bg ug]{ . *= ;+rfns ;ldltsf kbflwsf/Lx?nfO{ kqklqsf / df]afOn vr{ pknAw u/fpg] k|:tfj kfl/t ug]{ .v= ljz]if k|:tfj cGtu{t M != ;+rfns ;ldltn] l;kmfl/; u/] cg';f/ cfly{s aif{ @)&!.&@ sf] d'gfkmfaf6 xfn sfod /x]sf] r'Qmf k"Flh
?= ^@,%),)),))).– sf] % k|ltztn] x'g] ?=#,!@,%),))).– sf] af]g; z]o/ ljt/0f ug]{ . ;fy} af]g; z]o/ lat/0f ubf{ sfod x'g cfpg] bzdna kl5sf] leGg c+s -Fraction_ nfO{ kl5 ;dfof]hg ug]{ u/L oyfjt /fVg] .
@= af]g; z]o/ hf/L u/] kZrft x'g] z]o/ ;+/rgf adf]lhd hf/L tyf r'Qmf k"+lhnfO{ ;f]xL cg'?k a[l4 ug]{ ;fy} sDkgLsf] k|aGwkq lgodfjnLdf ;+;f]wg ug]{ .
#= sDkgLsf] k|aGwkq tyf lgodfjnLdf k|:tfj eP adf]lhd ;+;f]wg Pj+ l:js[tLsf] qmddf lgodgsf/L lgsfoaf6 s'g} ;+;f]wg, km]/abn ug{ jf yk36 ug{ lgb]{zg k|fKt ePdf ;f]xL adf]lhd ug{ ;+rfns ;ldltnfO{ ;Dk"0f{ clVtof/L k|bfg ug]{ .
$= aLdssf] ;+:yfut ;'zf;g lgb]{lzsf adf]lhd laleGg ;ldltx?nfO{ k|bfg ul/Psf] a}7s eQfsf] cg'df]bg ug]{ . %= sDkgL P]g @)^# sf] bkmf !)% -!_ -u_ adf]lhd cf=j= @)&!.&@ df rGbf zLif{s cGtu{t ePsf] vr{sf] cg'df]
bg ug]{ .u= ljljw ;+rfns ;ldltsf] cf1fn] O{Zj/ s'df/ ;]8fO{ sDkgL ;lrj
Annual Report 2014/2015jflif{s k|ltj]bg @)&!÷@)&@
2 tkfO{+sf] eljio xfd|f] cleef/f
8th
;fwf/0f;ef ;DaGwL ;fdfGo hfgsf/L
!= sDkgLsf] z]o/ bflvn 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] & 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 czSQ 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 ;Dk{s /fVg' x'g cg'/f]w ub{5f}+ .
3tkfO{+sf] eljio xfd|f] cleef/f
Annual Report 2014/2015jflif{s k|ltj]bg @)&!÷@)&@8th
;"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 a}zfv !$ ut] lalxaf/sf lbg x'g] cf7f}+ 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 ul/ k7fPsf] 5'÷5f}+ .
Kf|ltlglw lgo'Qm ePsf] JolQmsf] lgj]bsgfdM b:tvtx:tfIf/ gd'gfM gfdMz]o/wlg g+=M 7]ufgfMlxtu|fxL vftf g+=M z]o/wlg g+= lxtu|fxL vftf g+=M 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] lalxaf/ x'g] cf7f}+ 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 2014/2015jflif{s k|ltj]bg @)&!÷@)&@8th
cfb/0fLo z]o/wgL dxfg'efjx?,
;"of{ nfOkm OG:of]/]G; sDkgL lnld6]8sf]] o; ul/dfdo cf7f}+ aflif{s ;fwf/0f ;efdf xfd|f] cfdGq0fnfO{ :jLsf/ u/L kfNg' ePsf ;Dk"0f{ cfb/0fLo z]o/wgL dxfg'efjx? tyf cltlyHo"x? ;j}nfO{ ;~rfns ;ldlt Pj+ d]/f] JolQmut tkm{af6 xflb{s :jfut tyf clejfbg ug{ rfxG5' .
sDkgLsf] cf7f}+ aflif{s ;fwf/0f ;efdf cf=j= @)&!÷)&@ sf] n]vfk/LIf0f ePsf] jf;nft, cfo Joo ljj/0f, gfkmf gf]S;fg lx;fj, ;+nUg cg';"lrx? nufot ;~rfns ;ldltn] tof/ kf/]sf] k|ltj]bg tkfO{x? ;dIf k]z ug{ kfpFbf dnfO{ cToGt} v'zL nfu]sf] 5 .
ætkfO{sf] elaio xfd|f] cleef/fÆ eGg] p4]Zo af]s]/ hLjg aLdfsf] If]qdf kfOnf 6]s]sf] o; sDkgLn] aLdf If]qdf Ps 5'§} klxrfg agfpb} cfˆgf] cf7f}+ aif{ ;kmntfk"j{s ;DkGg u/]sf] hfgsf/L u/fpg kfpFbf d}n] cfkm'nfO{ uf}/jflGjt 7fg]sf] 5' .
b]zn] ef]Ug' k/]sf] dxfe'sDk, nfdf] ;do ;Ddsf] k/fsDkgn] cy{tGqdf k/]sf] gsf/fTds c;/sf sf/0f cfly{s a[l4b/ Go'g /x]sf] / To;sf] c;/af6 hLjg aLdf sDkgLx? klg c5'tf] /xg g;s]sf] jf:tljstfsf afah'b klg sDkgLn] laut aif{sf] t'ngfdf lg/Gt/ ?kdf Aoj;fodf a[l4 ul/ g} /x]sf] 5 .
sDkgLsf] k|:t't cf=j= @)&!.&@ sf] ljlQo ljj/0fsf] cfFs8fnfO{ x]g]{ xf] eg] k|yd aLdfz'Ns tkm{ ?= @$,&),(!,$#%.–, glas/l0fo aLdfz'Ns tkm{ ?= @^,^),@&,()!.–, a}b]lzs /f]hfu/L aLdfz'Ns tkm{ @),%),!&,^$^.– / Psn aLdfz'Ns tkm{ ?= &^,^%,%%#.– u/L hDdf ?= &@,%*,)@,%#%.– ;+sng ePsf] 5 . ut cf=j= @)&).&! df hDdf Aoj;fo ?= $!,%),%),#!).– ePsf] lyof] . h'g ut aif{sf] t'ngfdf &$=*& k|ltztn] a[l4 ePsf] b]lvG5 . ;fy} sDkgLsf] laut jif{sf] t'ngfdf hLjg jLdf sf]ifdf %^=## k|ltztn] j[l¢ ePsf] hfgsf/L u/fpFb5f}+ .
aLdf ;ldltaf6 hf/L ul/Psf gofF nufgL gLlt cg'?k laleGg If]qdf nufgLnfO{ lalalws/0f u/L al9 k|ltkmn ;'lglZrt ug]{ tkm{ klg sDkgL ;+a]bglzn /x]sf] 5 . afXo tyf cfGtl/s sf/0fn] ubf{ b]zsf] ;du| cy{tGq ;sf/fTds gePsf] cj:yfdf klg sDkgLn] cfˆgf] r'Qmf k"+hLsf] cfwf/ alnof] agfO{ pRr k|ltkmn ;'lglZrt ug]{ k|of]hgsf nfuL o; cfly{s aif{df ljt/0fof]Uo d'gfkmfaf6 % k|ltzt af]g; z]o/ tyf s/ k|of]hgsf] nfuL ?= !^,$$,&#&.– gub nfef+z ljt/0f ug]{ k|:tfj u/]sf 5f} .
Hfgdfg;df hLjg aLdfsf] dxTj af/] cled'lvs/0f hfu/0f g} gePsf] / s'n hg;+Vofsf] sl/j () k|ltzt eGbf al9 hg;+Vof hLjg aLdfaf6 alGrt /x]sf] o; cj:yfdf AolQmnfO{ hLjg aLdf u/fpg' Toltg} r'gf}tLk"0f{ /x]sf] / r'gf}lt leq ;+efjgf / cj;/ b'a} x'G5g\ eGg] tYonfO{ dgg\ ub}{ ;+:yfsf] Aoj;fonfO{ nIo cg'?k pknAwL xfl;n ug{sf nfuL cfjZos /0fg}lts of]hgfx? th'{df u/L sfo{ ug]{ k|aGw ldnfO{Psf] x'Fbf cfufdL lbgdf Aoj;fodf a9f]Q/L x'g] cfzf lnPsf] 5' . sDkgLsf] cfGtl/s sfdsf/jfxLx?sf] k|efjsf/Ltf dfkm{t sDkgLsf] k|lti7f pRr agfO{ /fVg ;+rfns ;ldlt, ;+rfns ;ldlt cGtu{tsf pk–;ldltx? ;d]t bQlrQ /x]sf] Aoxf]/f z]o/wgL dxfg'efjx? ;dIf lgj]bg ug{ rfxG5' . Pj+ k|sf/n] ;+:yfsf] zfvf ;+hfndf a[l4, aLldt tyf ;]jfu|fxLx?nfO{ cfjZos u'0f:tl/o ;]jf tyf ;'ljwf, clestf{x?nfO{ lqmoflzn agfpg] sfo{qmd, clestf{ Pj+ aLldtx?nfO{ k|bfg ul/Psf] C0f c;'nLdf lta|tfsf ;fy} ;+:yfsf] hLjg aLdf Aoj;fonfO{ a[xt hg;d'bfosf] kx"Fr leq k'¥ofpg, xfn e} /x]sf aLdf of]hgfsf cltl/Qm Go'g cfo ePsf ljkGg au{x?nfO{ ;d]t
;"of{ nfOkm OG:of]/]G; sDkgL lnld6]8sf] cf7f}+ aflif{s ;fwf/0f ;efdfcWoIf >L /fdafa' kGtHo"af6 k|:t't dGtJo
Annual Report 2014/2015jflif{s k|ltj]bg @)&!÷@)&@
6 tkfO{+sf] eljio xfd|f] cleef/f
8th
;d]6\g] u/L n3' aLdf ;DaGwL of]hgfx?sf ;fy} u'0f:tl/o tyf cfsif{s of]hgfx? / ;+:yfut clestf{ dfkm{t ;d]t Aoj;fo a[l4 ug]{ nIo /x]sf] hfgsf/L u/fpg rfxG5' .
;+:yfut ;'zf;g, hf]lvd Aoj:yfkg, sf/f]jf/df kf/blz{tf, em+em6d'Qm l56f]5l/tf] / d':sfg ;lxtsf] ;]jf k|bfg ePdf dfq ;+:yf k|lt hgdfg;sf] laZjf; clea[l4 x'g uO{ ;+:yfsf] ;fvdf >La[l4 x'g] tYonfO{ dWogh/ ub}{ pQm d'ndGq k|lt Aoj:yfkg tyf ;+rfns ;ldlt ;b}a ;r]t, rgfvf] / ;+j]bglzn /x]sf] tYo oxfFx? ;dIf /fVg rfxG5' .
cGTodf,;+:yf ;+rfng ug]{ qmddf ;+:yfut ;'zf;g sfod ug{ lg/Gt/ dfu{ lglb{i6 tyf ;xof]u k|bfg ug'{ x'g] >L aLdf ;ldlt, >L g]kfn lwtf]kq af]8{, >L sDkgL /lhi6«f/sf] sfof{no, >L g]kfn :6s PS;r]Gh lnld6]8, >L z]o/ /lhi6«f/ gljn OGe]i6d]06 a}+lsª lnld6]8 tyf cGo ;/f]sf/jfnf lgsfox? k|lt x[|bo b]lv g} xflb{s s[t1tf 1fkg ug{ rfxG5' . ;fy} ;+:yfsf] p4]Zo tyf nIo xfl;n ug]{ cleofgdf cys of]ubfg ug'{ x'g] st{Aolgi7 sd{rf/Lx?, ;+:yf k|lt b[9 laZjf; /fvL ;xof]u ug]{ clestf{x?, dfu{lgb]{z u/L ;xof]u k'¥ofpg] z]o/wlg dxfg'efjx?, ;+:yfnfO{ laZjf; ug]{ ;Dk"0f{ aLldt w/f]x/x?sf ;fy} ;+:yfsf] ;fv, >La[l4sf nfuL k|ToIf tyf ck|ToIf ?kdf ;xof]u k'¥ofpg] ;Dk"0f{ z'e]R5'sx? k|lt xflb{s wGojfb 1fkg ug{ rfxG5' .
wGojfb, /fdjfj' kGt cWoIf
7tkfO{+sf] eljio xfd|f] cleef/f
Annual Report 2014/2015jflif{s k|ltj]bg @)&!÷@)&@8th
;"of{ nfOkm OG:of]/]G; sDkgL lnld6]8sf] cf7f}+ 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/0f cf=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 lgodgsf/L lgsfo aLdf ;ldltsf] ldlt @)^(÷%÷& sf] lgb]{zfg';f/ hLjg aLdf sDkgLn] k|To]s Ps÷Ps aif{df
hLjg aLdf sf]ifsf] d"Nof+sg jLdfÍLjf6 u/fpg' kg]{ Joj:yf ul/Psf]df ;f] lgb]{zgsf] kl/kfngf ub}{ 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 hLjg aLdf Aoj;fosf] sf/f]jf/nfO{ Aojl:yt / k|efjsf/L agfpgsf nfuL plrt jftfj/0fsf] cfjZos x'G5 . xfn
k|rngdf /x]sf gLlt, lgod tyf sfg'gL Aoj:yfx? hLjg aLdf Aoj;fosf] sf/f]jf/nfO{ Aojl:yt agfpgsf nfuL k|efjsf/L x'g ;ls/x]sf] b]lvb}g . aLdf sDkgLn] ug]{ nufgLsf If]qx?sf] bfo/f a9fpg ;s]df aLdf Aoj;fosf] ck]Iffs[t lasf; x'g] cj:yf b]lvG5 . d'n'sdf laBdfg /fhg}lts cl:y/tfsf] sf/0f aLdf sf/f]jf/df k|efj b]lvPsf] kfOG5 . ;du| cy{tGq ;jlns/0fsf nfuL k|ofKt k"jf{wf/x?sf] plrt Aoj:yf gx'Fbf sDkgLn] ug]{ hLjg aLdf Aoj;fodf c;/ kg{ uPsf] cj:yf 5 . tyfkL xfn laBdfg c;xh cj:yfx?sf afah'b sDkgLn] of]hgfa4 ?kdf aLdf Aoj;fo k|aw{g ug{sf nfuL lg/Gt/ sfo{ ul//x]sf] /x]sf] hfgsf/L u/fpF5' .
Annual Report 2014/2015jflif{s k|ltj]bg @)&!÷@)&@
8 tkfO{+sf] eljio xfd|f] cleef/f
8th
-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 -s'n_ M *,)!,(),##( hLjg jLdf clestf{x?sf] ;+Vof M ^,%^( hLjg jLdf of]hgfx? M !) zfvfx? M ^& sDkgLsf] rfn' aif{ ;Ddsf] k|fKt pknAwLnfO{ ;ldIff ubf{ sDkgL lg/Gt/ k|ultkydf /x]sf] 5 . sDkgLsf] Aoj;fo
a[l4 ug{sf nfuL sDkgLn] clVtof/ u/]sf] /0fgLlts of]hgfx?sf] sf/0f k|ltkmndf a9f]Q/L eO{/x]sf] 5 . oBkL ljutdf nIo cg'?k aLdf Aoj;fo x'g g;s]sf] cj:yf /x]sf] eP klg cfufdL lbgdf Aoj;flos /0fgLlts of]hgfx?sf] k|efjsf/L sfof{Gjog u/L nIo cg'?ksf] Aoj;flos pknAwL xfl;n ug{ s]lGb|t x'g] hfgsf/L u/fpF5f}+ . sDkgLsf] hLjg aLdf Joj;fosf] lasf;df k|ToIf e'ldsfdf /x]sf clestf{x?sf] ;+Vof j[l4 ug{ / plgx?sf] bIftf clea[l4 e/L Aoj;fo k|aw{gdf ;lqmo agfO{g]5 . b]zJofkL ?kdf clestf{ tflnd ;+rfng ug]{, k'gtf{huL sfo{s|dx? ;+rfng ug]{, clestf{x?sf] lqmoflzntfsf nfuL ahf/ laefu ;Da4 zfvf tyf sd{rf/Lx?nfO{ kl/rfng ug]{ sfo{nfO{ k|efjsf/L agfO{g]5 . cfufdL lbgdf aLdf ahf/sf] cWoog ul/ ;+efJotfsf] cfwf/df cfjZostf cg';f/ pko'Qm tyf k|efjsf/L hLjg jLdf of]hgfx? NofO{g]5 . al9 eGbf al9 dflg;x?nfO{ sDkgLsf] aLdf of]hgfdf cfj4 ug{sf nfuL hgr]tgfd'ns sfo{qmdx? Kf|efjsf/L ?kdf ;+rfng ul/g]5 .
-3_ sDkgLsf] cf}Bf]lus jf Joj;flos ;DaGwM sDkgLn] cfˆgf] Aoj;fonfO{ la:tf/ Pj+ k|aw{g ug{sf nfuL cf}Bf]lus tyf Aofkfl/s If]q ;+usf] ;DaGwnfO{ k|efjsf/L
agfpg] gLlt clVtof/ u/]sf] 5 . cf}Bf]lus If]q ljlQo ;jntf ePsf] If]q ePsfn] Aoj;fo lasf;df pNn]Vo of]ubfg ug{ ;Sg] 7fg]/ sDkgLn] ;DaGw la:tf/ ;u} ;xsfo{sf] of]hgf ;d]t cuf8L ;fl//x]sf] 5 . sDkgLn] Aoj;flos sfo{ If]q lj:tf/ ug{ cf}Bf]lus k|lti7fgx?, a}Í, laQLo ;+:yf, ;xsf/L ;+:yfx?, ;+ul7t ;+:yfx?, ;/sf/L Pj+ u}/;/sf/L ;+:yfx? ;+usf] ;DaGw ;'b[9 ub}{ nlu/x]sf] 5 . cf}Bf]lus Pj+ ljlQo If]qdf x'g] kx'Frn] sDkgLsf] Aoj;fo k|aw{gdf pNn]Vo of]ubfg k'Ug] 7fg]/ ;'dw'/ ;DaGw la:tf/ ug{ of]hgfa4 ?kdf cufl8 a9\b} uO{/x]sf 5f}+ .
-ª_ ;~rfns ;ldltdf ePsf] x]/km]/ / ;f] sf] sf/0fM sDkgLsf] ;+rfns ;ldltdf ;+:yfks ;d"x cGtu{tsf ;+rfns >L dx]z s'df/ cu|jfnn] /flhgfdf lbP kZrft ;f]
l/Qm :yfgdf ;+:yfks z]o/wgL >L lazfn cu|jfn lgo'Qm x'g' ePsf] 5 . To;}u/L ;+:yfks ;d"x cGtu{tsf] ;+rfns /xg' ePsf >L o'gfO6]8 OGe]i6;{ k|f=ln=sf tkm{af6 ;+rfns tf]lsg' ePsf >L s]za k|;fb e§/fO{n] /flhgfdf lbg' eP kZrft xfn pQm :yfgdf >L 8f= lagf]b cfq]o ;+rfnsdf lgo'Qm x'g' ePsf] 5 . sDkgLsf] ;+rfns ;ldltdf & hgf ;+rfns /xg] Aoj:yf /x]sf]df o;} ;fwf/0f ;efaf6 ;+:yfks ;d"x æsÆ af6 $ -rf/_ hgf / ;j{;fwf/0f ;d"x ævÆ af6 k|ltlglwTj ug'{ x'g] !-Ps_ hgf ;+rfnssf] lgjf{rg eO{ ;+rfns ;ldltn] k"0f{tf kfpg] Joxf]/f hfgsf/L u/fpFb5' .
-r_ sf/f]af/nfO{ c;/ kfg]{ d'Vo s'/fx?M b]zdf /fhgLlts cl:y/tf sfod /lx/xg', cfly{s lasf;sf nfuL of]hgfa4 ?kdf sfo{ x'g g;Sg', cf}Bf]lus ljsf;
ck]Iff ul/P cg';f/ x'g g;Sg', 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 k|lt cfd ?kdf hgr]tgfsf] cefj xg' cfbL sf/0fn] hLjg jLdf sf/f]jf/nfO{ c;/ k'¥ofO{/x]sf 5g\ . lgodgsf/L lgsfo tyf cGo ;/f]sf/jfnf lgsfox?af6 ;do ;dodf
9tkfO{+sf] eljio xfd|f] cleef/f
Annual Report 2014/2015jflif{s k|ltj]bg @)&!÷@)&@8th
hf/L x'g] tyf kl/jt{g x'g] lgod tyf lgb]{zgx?af6 sDkgLsf] sf/f]jf/df c;/ kg]{ b]lvP klg h'g ;'s} r'gf}ltk"0f{ kl/l:ytLnfO{ cfTd;fy u/L sDkgLn] pko'Qm /0fgLlt agfO{ Aoj;fo la:tf/ tyf k|aw{gdf lg/Gt/ ;lqmo eO{/x]sf] 5 .
-5_ n]vfk/LIf0f k|ltj]bgdf s'g} s}lkmot pNn]v ePsf] eP ;f] pk/ ;~rfns ;ldltsf] k|ltlqmofM n]vfk/LIf0f 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 cf=j= @)&!.&@ ;Ddsf] ljt/0f of]Uo d'gfkmfaf6 sDkgLsf z]o/wgLx?nfO{ r'Qmf k"+lh ? ^@,%),)),))).– sf] %
k|ltztsf b/n] x'g] ?= #,!@,%),))).– sf] af]g; z]o/ / ;f] af]g; z]o/sf] s/ k|of]hgfy{ !^,$$,&#&.– gub nfef+z k|bfg ug]{ k|:tfj ul/Psf] 5 . pQm k|:tfj ul/Psf] af]g; z]o/ ljt/0f ug]{ k|:tfj o;} ;fwf/0f ;efaf6 kfl/t eP kZrft z]o/wgLx?nfO{ ljt/0f ul/g] Aoxf]/f 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 .
-`_ 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/Lx?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 s]za k|;fb e§/fO{ - >L o'gfO{6]8 OGe]i6;{ k|f=ln=sf] tkm{af6_ ;+rfns #,((,*&%% >L lagf]b s'df/ Kofs'/]n_
->L k|'8]lG;on Soflk6n Dofg]hd]06 sDkgL 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 .
Annual Report 2014/2015jflif{s k|ltj]bg @)&!÷@)&@
10 tkfO{+sf] eljio xfd|f] cleef/f
8th
-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 . sDkgLn] ;km\6j]o/ (Software) sf] dfWod4f/f ;Dk"0f{ sfo{x? ub}{ cfPsf]n] cfGtl/s lgoGq0f k|0ffnL Aojl:yt /x]sf] 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 ug]{ ul/Psf] 5 . zfvf tyf pk–zfvfx?sf] Aoj;flos ultlalw tyf cfly{s sf/f]jf/sf] ljj/0f kf/bzL{ agfpg cfjZos l/kf{]l6ªsf] Joj:yf ul/Psf]n] sDkgLdf cfGtl/s lgoGq0fsf] cj:yf k|efjsf/L /x]sf] 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 . sDkgLsf] jLdf Joj;fo la:tf/ tyf
zfvfx?sf] ;jlns/0f ug]{ qmddf cl3Nnf] jif{sf] t'ngfdf Joj:yfkg vr{df s]xL al9 x'g uP klg cfpFbf aif{x?df Aoj:yfkg vr{ sd ub}{ n}hfgsf nfuL of]hgfa4 ?kdf sfo{ ul/g]5 . ;fy} ;+rfns ;ldltsf] tkm{af6 sDkgLsf] Joj:yfkg vr{ 36fpg Joj:yfkgnfO{ lgb]{zg lbPsfn] cfufdL aif{df qmlds ?kdf ;'wf/ x'b} hfg] laZjf; lbnfpg rfxG5' . o;} ;fy ;+Ung ljlQo ljj/0fsf] æcg';"rL &Æ df Joj:yfkg vr{sf] ljj/0f pNn]v ul/Psf] 5 .
-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]vfk/LIfsn] 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/Lx?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]
11tkfO{+sf] eljio xfd|f] cleef/f
Annual Report 2014/2015jflif{s k|ltj]bg @)&!÷@)&@8th
-e_ o; P]g tyf k|rlnt sfg'g adf]lhd ;~rfns ;ldltsf] k|ltj]bgdf v'nfpg'kg]{ cGo s'g} s'/f .
-c_ ;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}+ .
-cf_ jLdf ;ldltaf6 hf/L ePsf] ;+:yfut ;'zf;g ;DaGwL lgb]{lzsf sfo{Gjog ul/ ;f] sf] k"0f{ ?kdf kl/kfngf ub}{ cfPsf] hfgsf/L u/fpFb5' .
-O_ 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{ z]o/ /lhi6f/ >L gljn O{Ge]i6d]06 a}+lsË ln=, gS;fnaf6 eO{/x]sf]
5 . Z]fo/ sf/f]jf/df eO{/xg] ptf/ r9fj tyf v'Nnf jhf/sf sf/0f z]o/ d'Nodf 36a9 eO{ /xFbf sDkgLsf] z]o/ sf/f]jf/ ;d]t 36a9 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 ;+rfns ;ldltsf] tkm{jf6
Annual Report 2014/2015jflif{s k|ltj]bg @)&!÷@)&@
12 tkfO{+sf] eljio xfd|f] cleef/f
8th
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]t1 r'Qmf k"FhL 500,000 500,000 – 0Ü2 hu]8f tyf sf]if 139,848 142,017 -2,169_ –2Ü3 hLjg aLdf sf]if 1,068,561 1,051,001 17,560 2Ü4 dxf–ljkQL hu]8f 10,950 11,440 -490_ –4Ü5 ltg{ afFsL bL3{sflng C0f tyf ;fk6L – – – –
s"n >f]t 1,719,359 1,704,458 – – –
pkof]u6 l:y/ ;DkQL -v'b_ 28,512 27,857 655 2Ü
7 lb3{sflng nufgL 572,300 750,502 -178,202_ –31Ü
k|If]lkt k|ltj]bgdf lb3{sflng
/ cNksflng nufgL jf8Fkmf8
km/s k/]sf]n]
8 aLdfn]vsf] lwtf]df shf{ 25,447 25,444 3 0Ü9 cGo lb3{sflng shf{ 28,049 26,925 1,124 4Ü
Rffn' ;DkQL shf{ tyf k]ZsLx? M10 gub tyf a}+s df}Hbft 67,603 57,609 9,994 15Ü11 cNksflng nufgL 1,005,337 862,934 142,403 14Ü12 cGo cNksflng shf{ 20,954 20,954 -0_ 0Ü13 cGo ;DkQL 158,434 165,234 -6,800_ –4Ü
hDdf -s_ -!)+!!+!@+!#_ 1,252,328 1,106,731 – – rfn' bfloTj tyf Joj:Yffx? M
14 rfn' bfloTj 70,744 95,121 -24,377_ –34Ük|If]lkt k|ltj]bgdf clestf{nfO{
lbg jfFsL sldzg sd n]]vfÍg
u/]sf] sf/0fn] ubf{
15 c;dfKt hf]lvd jfkt Joj:yf 98,649 115,078 -16,429_ –17Ü16 e'QmfgL x'g afFsL bfjL afkt Joj:yf 684 684 -0_ 0Ü
17 cGo Joj:yf 17,199 22,117 -4,918_ –29Ük|If]lkt k|ltj]bgdf nfef+; s/
n]]vfÍg gu/]sf]n]
hDdf -v_ -!$+!%+!^+!&_ 187,276 233,000 – – 18 v"b rfn' ;DkQL -u_ = -s_ – -v_ 1,065,052 873,730 – – 19 ckn]vg jf ;dfof]hg x'g afFsL ljljw vr{x? – – – – 20 gfkmf gf]S;fg lx;faaf6 ;f/]sf] gf]S;fg – – – –
s"n pkof]u -^+&+*+(+!*+!(+@)_ 1,719,359 1,704,458 – –
ljj/0fkqdf k|If]k0f ul/Psf] / n]vf k/LIf0f ePsf] ljj/0fx?df aL; k|ltzt jf
;f] eGbf al9 km/s k/]sf c+sx? tyf km/s kg'{sf sf/0fx?sDkgLsf] ljj/0fkq k|If]k0f ubf{ ;du| hLjg aLdf Joj;fodf ;'wf/ x'g] cfsng u/L ljut aif{sf] cfs8fdf cfwfl/t eO{ k|If]k0f ul/Psf] lyof]] .sDkgLsf] Joj;fo ck]Iff ul/P cg';f/ gePsf] t/ nufgLsf] k|ltkmn ck]Iffs[t a9f]Q/L 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]] . h;nfO{ sf/0f ;lxt lgDgfg';f/ k|i6\ofOPsf] 5 .
;"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/0f, 1fg]Zj/, sf7df8f}+
c° ?= xhf/df
13tkfO{+sf] eljio xfd|f] cleef/f
Annual Report 2014/2015jflif{s k|ltj]bg @)&!÷@)&@8th
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
cfDbfgL
1 cfo Joo lx;faaf6 ;f/]sf] -4,356_ -19,158_ 14,802 –340Üjf:tljs k|ltj]bgdf aLdfÍLo d'Nof+sgsf] cfwf/df
c;dfKt hf]lvd jfkt Joa:yf /sd ¿ ! ,̂$@(,)))
n] a9L Joa:yf u/]sf]n]
2 hLjg aLdf sf]ifaf6 ;f/]sf] – 13,523 -13,523_ –100Ü aLdfÍLo d'Nof+sg k|ltj]bgsf] cfwf/df n]]vfÍg
u/]sf]n] 3 nufgL shf{ tyf cGoaf6 cfo 37,385 37,149 236 1Ü4 Joj:yf lkmtf{ – – – – 5 cGo cfDbfgL – – – –
hDdf cfDbfgL -s_ 33,029 31,515 vr{
6 Joj:yfkg vr{ 13,718 41,448 -27,730_ –202Ü k|If]lkt k|ltj]bgdf clestf{ k|f]T;fxg jfktsf]
Joj:yf /sd sd n]]vfÍg u/]sf] sf/0fn] ubf{ 7 ckn]vg vr{ – – – 0Ü8 z]o/ ;DaGwL vr{ 256 256 -0_ 0Ü9 cGo vr{x? 314 314 -0_ 0Ü10 gf]S;fgLsf] nflu Joj:yf – 611 -611_ –100Ü k|If]lkt k|ltj]bgdf n]]vfÍg ug{ 5'6]sfn] 11 sd{rf/L cfjf; Joj:yf – – – 0Ü12 sd{rf/L af]g; Joj:yf 1,704 – 1,704 100Ü v'b gfkmfdf kl/jt{g ePsf] sf/0fn] ubf{
;dfof]lht cfos/ -c_ =-cf_ – -O_ – -33,056_ 33,056 –100Ü k|If]lkt k|ltj]bgdf :yug s/ Joj:yf jfkt
/sd n]]vfÍg gu/]sf]n] 14 cf_ cfos/ – – – 0Ü
15 O_ :yug s/ ;DklQ ÷ -bfloTj_ – 33,056 -33,056_ –100Ük|If]lkt k|ltj]bgdf :yug s/ Joj:yf jfkt
/sd n]]vfÍg gu/]sf]n] !^ hLjg aLdf sf]ifdf ;f/]sf] – – – 0Ü
hDdf vr{ -v_ 15,992 9,573 – – 17 v"b gfkmf ÷-gf]S;fg_ -u_ = -s_ – -v_ 17,037 21,941 – –
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
cfo 1 aLdfz'Ns -v"b_ 626,274 623,002 3,272 1Ü
2 k'gaL{df sldzg cfo 7,061 10,621 -3,560_ –50Ü k|If]lkt k|ltj]bgdf rf}yf] q}dfl;ssf] k'g{aL{df sldzg
cfo n]]vfÍg ug{ 5'6]sfn] 3 nufgL, shf{ tyf cGoaf6 cfo 71,574 72,627 -1,053_ –1Ü4 aLdfn]vsf] lwtf]df shf{af6 cfo 3,408 2,096 1,312 39Ü k|If]lkt k|ltj]bgdf cfosf] n]]vfÍg a9L ePsf]n] 5 cGo k|ToIf cfo 627 631 -4_ –1Ü6 cfly{s aif{sf] z'?sf] e'QmfgL x'g afFsL bfjL afkt Joj:yf 805 805 0 0Ü7 cfly{s aif{sf] z'?sf] c;dfKt hf]]lvd afkt Joj:yf 38,026 38,019 7 0Ü
hDdf cfo -s_ 747,775 747,801 – – Joo
8 bfjL e'QmfgL -v'b_ 34,916 35,760 -844_ –2Ü9 clestf{ sldzg 82,634 95,114 -12,480_ –15Ü10 :jf:Yo k/LIf0f z'Ns 1,535 2,260 -725_ –47Ü k|If]lkt k|ltj]bgdf n]vfÍg ug{ 5'6]sf]n] 11 k'gaL{df sldzg vr{ – – – 0Ü12 ;]jf z'Ns -v'b_ 6,263 6,336 -73_ –1Ü
13 cGo k|ToIf vr{ 2,593 1,921 672 26Ü k|If]lkt k|ltj]bgdf ;Defljt aLdfn]v l6s6
vr{ a9L n]vfÍg ePsf]n] 14 Joj:yfkg vr{ 128,594 117,580 11,014 9Ü15 cfos/ – – – 0Ü
16cfly{s aif{sf] cGTodf e'QmfgL x'g afFsL bfjL afkt
Joj:yf 684 684 -0_ 0Ü
!& cfly{s aif{sf] cGTodf c;dfKt hf]lvd afkt Joj:yf 98,649 115,078 -16,429_ –17Ü
hDdf Joo -v_ 355,868 374,733 – – 18 hLjg ladf sf]ifdf ;f/]sf] art 396,262 392,225 – –
19 gfkmf gf]S;fg lx;fjdf ;f/]sf] art ÷ -gf]S;fgL_ -4,356_ -19,158_ – –
Annual Report 2014/2015jflif{s k|ltj]bg @)&!÷@)&@
16 tkfO{+sf] eljio xfd|f] cleef/f
8th
;"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/0f, 1fg]Zj/, sf7df8f}+
@)&!÷&@ cfiff9 d;fGtsf] jf;nftqm=;+= ljj/0f cg';"rL o; aif{ ut aif{
>f]t1 r'Qmf k"FhL !^ 500,000,000 500,000,000 2 hu]8f tyf sf]if !& 142,016,946 124,269,984 3 hLjg aLdf sf]if !! 1,051,000,947 672,299,114 4 dxf–ljkQL hu]8f !* 11,440,234 9,246,088 5 ltg{ afFsL bL3{sflng C0f tyf ;fk6L !( – –
s"n >f]t 1,704,458,127 1,305,815,186 pkof]u
6 l:y/ ;DkQL -v'b_ @) 27,856,514 20,522,499 7 lb3{sflng nufgL @! 750,502,117 600,895,777 8 aLdfn]vsf] lwtf]df shf{ # 25,444,188 12,313,714 9 cGo lb3{sflng shf{ @# 26,924,849 28,228,602
rfn' ;DkQL shf{ tyf k]ZsLx? M10 gub tyf a}+s df}Hbft @@ 57,609,310 41,871,495 11 cNksflng nufgL @! 862,933,562 554,190,844 12 cGo cNksflng shf{ @# 20,954,018 456,313 13 cGo ;DkQL @$ 165,233,635 160,077,478
hDdf -s_ -10±11±12±13_ 1,106,730,525 756,596,130 rfn' bfloTj tyf Joj:yfx? M
14 rfn' bfloTj @% 95,120,835 62,919,706 15 c;dfKt hf]lvd jfkt Joj:yf @^ 115,077,724 38,018,808 16 e'QmfgL x'g afFsL bfjL afkt Joj:yf ( 684,106 804,856 17 cGo Joj:yf @^s 22,117,399 10,998,166
hDdf -v_ -14±15±16±17_ 233,000,065 112,741,536 18 v"b rfn' ;DkQL -u_Ö-s_–-v_ 873,730,461 643,854,594 19 ckn]vg jf ;dfof]hg x'g afFsL ljljw vr{x? @& – – 20 gfkmf gf]S;fg lx;faaf6 ;f/]sf] gf]S;fg – –
s"n pkof]u -6±7±8±9±18±19±20_ 1,704,458,127 1,305,815,186 ;+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¿!_ x]dGt gfx6f@_ lagf]b s'df/ Kofs'/]n#_ u+uf k|;fb zdf{$_ ljzfn cu|jfn%_ 8f= ljgf]b cfq]o
lbg]z cdfTo lg= dxfk|jGws
nfnafa' ;fx;xfos k|aGws n]vf tyf laQ
17tkfO{+sf] eljio xfd|f] cleef/f
Annual Report 2014/2015jflif{s k|ltj]bg @)&!÷@)&@8th
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¿!_ x]dGt gfx6f@_ lagf]b s'df/ Kofs'/]n#_ u+uf k|;fb zdf{$_ ljzfn cu|jfn%_ 8f= ljgf]b cfq]o
lbg]z cdfTo lg= dxfk|jGws
nfnafa' ;fx;xfos k|jGws n]vf tyf laQ
;"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/0f, 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] !) -19,157,524_ -6,156,079_2 hLjg aLdf sf]ifaf6 ;f/]sf] !! 13,523,493 10,450,841 3 nufgL shf{ tyf cGoaf6 cfo @ 37,148,880 41,044,693 4 Joj:yf lkmtf{ !@ – 173,800 5 cGo cfDbfgL – –
hDdf cfDbfgL -s_ 31,514,849 45,513,255 vr{
6 Joj:yfkg vr{ & 41,448,226 9,601,465 7 ckn]vg vr{ !# – – 8 z]o/ ;DaGwL vr{ !# s 256,463 957,804 9 cGo vr{x? !$ 314,067 76,831 10 gf]S;fgLsf] nflu Joj:yf !% 610,930 – 11 sd{rf/L cfjf; Joj:yf @^ s – – 12 sd{rf/L af]g; Joj:yf @^ s – 3,170,650
;dfof]lht cfos/ -c_Ö-cf_–-O_ * -33,056,295_ -12,084,797_13 cf_ cfos/ – – 14 O_ :yug s/ ;DklQ ÷ -bfloTj_ 33,056,295 12,084,797 15 hLjg aLdf sf]ifdf ;f/]sf] 11 – –
hDdf vr{ -v_ 9,573,391 1,721,953 16 v"b gfkmf ÷-gf]S;fg_ -u_Ö-s_–-v_ 21,941,458 43,791,302 17 cl3Nnf] jif{;+u ;DalGwt vr{ -355,613_ -1,003,758_18 cl3Nnf] aif{af6 ;fl/Psf] gfkmf÷-gf]S;fg_ 70,126,240 48,669,581
afF*kmfF*sf] nflu pknAw /sd 91,712,084 91,457,125 19 -s_ :yug s/ hu]8f !& 33,056,295 12,084,797
-v_ k"FhLut hu]8f !& – – -u_ ljz]if hu]8f !& – – -3_ cGo hu]8f !& – – -ª_ k|:tfljt nfef+z – – -c_ af]g; z]o/ !& 31,250,000 – -cf_ gub nfef+z-s/ k|of]hgsf]nflu dfq_ @^ s 1,644,737 – -r_ dxf–ljkQL hu]8f !* 2,194,146 9,246,088
20 jf;nftdf ;f/]sf] gfkmf÷-gf]S;fg_ 23,566,907 70,126,240 cg';"rL @,&,*, tyf !) b]lv !%,!& / !* ;Dd o;sf cleGg c+u x'g\ .
Annual Report 2014/2015jflif{s k|ltj]bg @)&!÷@)&@
18 tkfO{+sf] eljio xfd|f] cleef/f
8th
;"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/0f, 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_ ! 623,002,300 381,770,757 2 k'gaL{df sldzg cfo 10,621,097 2,506,868 3 nufgL, shf{ tyf cGoaf6 cfo @ 72,626,788 65,135,906 4 aLdfn]vsf] lwtf]df shf{af6 cfo # 2,095,893 965,535 5 cGo k|ToIf cfo 630,860 1,041,118 6 cfly{s aif{sf] z'?sf] e'QmfgL x'g afFsL bfjL afkt Joj:yf 804,856 1,220,379 7 cfly{s aif{sf] z'?sf] c;dfKt hf]]lvd afkt Joj:yf 38,018,808 22,914
hDdf cfo -s_ 747,800,603 452,663,477 Joo
8 bfjL e'QmfgL -v'b_ $ 35,759,590 12,527,664 9 clestf{ sldzg % 95,114,402 50,345,259 10 :jf:Yo k/LIf0f z'Ns 2,260,211 1,239,460 11 k'gaL{df sldzg vr{ – 200 12 ;]jf z'Ns -v'b_ ^ 6,336,234 3,817,707 13 cGo k|ToIf vr{ 1,920,525 244,197 14 Joj:yfkg vr{ & 117,580,010 88,826,142 15 cfos/ 8 – – 16 cfly{s aif{sf] cGTodf e'QmfgL x'g afFsL bfjL afkt Joj:yf 9 684,106 804,856 17 cfly{s aif{sf] cGTodf c;dfKt hf]lvd afkt Joj:yf 115,077,724 38,018,808
hDdf Joo -v_ 374,732,801 195,824,293 18 hLjg ladf sf]ifdf ;f/]sf] art 392,225,326 262,995,263 19 gfkmf gf]S;fg lx;fjdf ;f/]sf] art ÷ -gf]S;fgL_ -19,157,524_ -6,156,079_
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¿!_ x]dGt gfx6f@_ lagf]b s'df/ Kofs'/]n#_ u+uf k|;fb zdf{$_ ljzfn cu|jfn%_ 8f= ljgf]b cfq]o
lbg]z cdfTo lg= dxfk|jGws
nfnafa' ;fx;xfos k|jGws n]vf tyf laQ
19tkfO{+sf] eljio xfd|f] cleef/f
Annual Report 2014/2015jflif{s k|ltj]bg @)&!÷@)&@8th
;"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/0f, 1fg]Zj/, sf7df8f}+
cfly{s aif{ @)&!.&@ sf] ;fjlws hLjg aLdfsf] cfo Joo lx;fa qm=;+= ljj/0f cg';"rL o; aif{ ut aif{
cfo 1 aLdfz'Ns -v"b_ ! 367,979,703 276,078,884 2 k'gaL{df sldzg cfo 573,109 762,580 3 nufgL, shf{ tyf cGoaf6 cfo @ 50,912,416 50,464,695 4 aLdfn]vsf] lwtf]df shf{af6 cfo # 1,451,726 661,793 5 cGo k|ToIf cfo 477,168 816,964
6 cfly{s aif{sf] z'?sf] e'QmfgL x'g afFsL bfjL afkt Joj:yf 352,188 977,441 7 cfly{s aif{sf] z'?sf] c;dfKt hf]]lvd afkt Joj:yf – –
hDdf cfo -s_ 421,746,310 329,762,357 Joo
8 bfjL e'QmfgL -v'b_ $ 9,497,237 7,124,722 9 clestf{ sldzg % 52,646,472 33,809,850 10 :jf:Yo k/LIf0f z'Ns 1,329,493 869,526 11 k'gaL{df sldzg vr{ – – 12 ;]jf z'Ns -v'b_ ^ 3,685,955 2,760,789 13 cGo k|ToIf vr{ 133,283 93,230 14 Joj:yfkg vr{ & 59,865,878 69,401,963 15 cfos/ 8 – – 16 cfly{s aif{sf] cGTodf e'QmfgL x'g afFsL bfjL afkt Joj:yf 9 439,098 352,188 17 cfly{s aif{sf] cGTodf c;dfKt hf]lvd afkt Joj:yf – –
hDdf Joo -v_ 127,597,417 114,412,268 18 hLjg ladf sf]ifdf ;f/]sf] art 294,148,893 215,350,090 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¿!_ x]dGt gfx6f@_ lagf]b s'df/ Kofs'/]n#_ u+uf k|;fb zdf{$_ ljzfn cu|jfn%_ 8f= ljgf]b cfq]o
lbg]z cdfTo lg= dxfk|jGws
nfnafa' ;fx;xfos k|jGws n]vf tyf laQ
Annual Report 2014/2015jflif{s k|ltj]bg @)&!÷@)&@
20 tkfO{+sf] eljio xfd|f] cleef/f
8th
;"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/0f, 1fg]Zj/, sf7df8f}+
cfly{s aif{ @)&!.&@ sf] clu|d e'QmfgL ;fjlws hLjg aLdfsf] cfo Joo lx;fa
qm=;+= ljj/0f cg';"rL o; aif{ ut aif{
cfo 1 aLdfz'Ns -v"b_ ! 80,575,552 31,199,733 2 k'gaL{df sldzg cfo 532,320 146,206 3 nufgL, shf{ tyf cGoaf6 cfo @ 6,431,965 4,787,562 4 aLdfn]vsf] lwtf]df shf{af6 cfo # 202,113 133,602 5 cGo k|ToIf cfo 63,833 90,960 6 cfly{s aif{sf] z'?sf] e'QmfgL x'g afFsL bfjL afkt Joj:yf 207,661 120,750 7 cfly{s aif{sf] z'?sf] c;dfKt hf]]lvd afkt Joj:yf – –
hDdf cfo -s_ 88,013,443 36,478,813 Joo
8 bfjL e'QmfgL -v'b_ $ 6,869,646 4,557,830 9 clestf{ sldzg % 17,003,941 5,607,288 10 :jf:Yo k/LIf0f z'Ns 624,537 172,082 11 k'gaL{df sldzg vr{ – – 12 ;]jf z'Ns -v'b_ ^ 807,928 311,997 13 cGo k|ToIf vr{ 17,267 10,171 14 Joj:yfkg vr{ & 12,170,914 7,406,325 15 cfos/ 8 – – 16 cfly{s aif{sf] cGTodf e'QmfgL x'g afFsL bfjL afkt Joj:yf 9 – 207,661 17 cfly{s aif{sf] cGTodf c;dfKt hf]lvd afkt Joj:yf – –
hDdf Joo -v_ 37,494,233 18,273,354 18 hLjg ladf sf]ifdf ;f/]sf] art Ö -s_–-v_ 50,519,210 18,205,459 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¿!_ x]dGt gfx6f@_ lagf]b s'df/ Kofs'/]n#_ u+uf k|;fb zdf{$_ ljzfn cu|jfn%_ 8f= ljgf]b cfq]o
lbg]z cdfTo lg= dxfk|jGws
nfnafa' ;fx;xfos k|jGws n]vf tyf laQ
21tkfO{+sf] eljio xfd|f] cleef/f
Annual Report 2014/2015jflif{s k|ltj]bg @)&!÷@)&@8th
;"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/0f, 1fg]Zj/, sf7df8f}+
cfly{s aif{ @)&!.&@ sf] ?kfGtl/t ;fjlws Pj+ cfhLjg hLjg aLdfsf] cfo Joo lx;fa
qm=;+= ljj/0f cg';"rL o; aif{ ut aif{
cfo 1 aLdfz'Ns -v"b_ ! 62,500,165 39,517,615 2 k'gaL{df sldzg cfo 250,816 181,006 3 nufgL, shf{ tyf cGoaf6 cfo @ 7,535,935 7,031,513 4 aLdfn]vsf] lwtf]df shf{af6 cfo # 442,054 170,140 5 cGo k|ToIf cfo 89,859 133,194 6 cfly{s aif{sf] z'?sf] e'QmfgL x'g afFsL bfjL afkt Joj:yf 245,008 122,188 7 cfly{s aif{sf] z'?sf] c;dfKt hf]]lvd afkt Joj:yf – –
hDdf cfo -s_ 71,063,837 47,155,656 Joo
8 bfjL e'QmfgL -v'b_ $ 1,836,117 845,112 9 clestf{ sldzg % 10,532,795 6,470,552 10 :jf:Yo k/LIf0f z'Ns 305,232 197,852 11 k'gaL{df sldzg vr{ – – 12 ;]jf z'Ns -v'b_ ^ 626,524 395,176 13 cGo k|ToIf vr{ 19,215 15,416 14 Joj:yfkg vr{ & 9,941,724 9,546,826 15 cfos/ 8 – – 16 cfly{s aif{sf] cGTodf e'QmfgL x'g afFsL bfjL afkt Joj:yf 9 245,008 245,008 17 cfly{s aif{sf] cGTodf c;dfKt hf]lvd afkt Joj:yf – –
hDdf Joo -v_ 23,506,614 17,715,942 18 hLjg ladf sf]ifdf ;f/]sf] art Ö -s_–-v_ 47,557,223 29,439,715 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¿!_ x]dGt gfx6f@_ lagf]b s'df/ Kofs'/]n#_ u+uf k|;fb zdf{$_ ljzfn cu|jfn%_ 8f= ljgf]b cfq]o
lbg]z cdfTo lg= dxfk|jGws
nfnafa' ;fx;xfos k|jGws n]vf tyf laQ
Annual Report 2014/2015jflif{s k|ltj]bg @)&!÷@)&@
22 tkfO{+sf] eljio xfd|f] cleef/f
8th
;"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/0f, 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_ ! 111,791,433 34,936,910 2 k'gaL{df sldzg cfo 9,264,852 1,394,510 3 nufgL, shf{ tyf cGoaf6 cfo @ 7,735,859 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 38,000,000 –
hDdf cfo -s_ 166,792,144 39,176,158 Joo
8 bfjL e'QmfgL -v'b_ $ 17,556,591 – 9 clestf{ sldzg % 14,931,194 4,457,569 10 :jf:Yo k/LIf0f z'Ns 316 – 11 k'gaL{df sldzg vr{ – – 12 ;]jf z'Ns -v'b_ ^ 1,214,233 349,369 13 cGo k|ToIf vr{ 1,750,760 125,380 14 Joj:yfkg vr{ & 35,565,463 2,412,961 15 cfos/ 8 – – 16 cfly{s aif{sf] cGTodf e'QmfgL x'g afFsL bfjL afkt Joj:yf 9 – – 17 cfly{s aif{sf] cGTodf c;dfKt hf]lvd afkt Joj:yf 115,000,000 38,000,000
hDdf Joo -v_ 186,018,557 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_ -19,226,413_ -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¿!_ x]dGt gfx6f@_ lagf]b s'df/ Kofs'/]n#_ u+uf k|;fb zdf{$_ ljzfn cu|jfn%_ 8f= ljgf]b cfq]o
lbg]z cdfTo lg= dxfk|jGws
nfnafa' ;fx;xfos k|jGws n]vf tyf laQ
23tkfO{+sf] eljio xfd|f] cleef/f
Annual Report 2014/2015jflif{s k|ltj]bg @)&!÷@)&@8th
;"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/0f, 1fg]Zj/, sf7df8f}+
cfly{s aif{ @)&!.&@ sf] DofbL hLjg aLdfsf] cfo Joo lx;fa qm=;+= ljj/0f cg';"rL o; aif{ ut aif{
cfo 1 aLdfz'Ns -v"b_ ! 155,448 37,615 2 k'gaL{df sldzg cfo – 22,566 3 nufgL, shf{ tyf cGoaf6 cfo @ 10,613 7,398 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 18,808 22,914
hDdf cfo -s_ 184,869 90,493 Joo
8 bfjL e'QmfgL -v'b_ $ – – 9 clestf{ sldzg % – – 10 :jf:Yo k/LIf0f z'Ns 632 – 11 k'gaL{df sldzg vr{ – 200 12 ;]jf z'Ns -v'b_ ^ 1,593 376 13 cGo k|ToIf vr{ – – 14 Joj:yfkg vr{ & 36,031 58,067 15 cfos/ 8 – – 16 cfly{s aif{sf] cGTodf e'QmfgL x'g afFsL bfjL afkt Joj:yf 9 – – 17 cfly{s aif{sf] cGTodf c;dfKt hf]lvd afkt Joj:yf 77,724 18,808
hDdf Joo -v_ 115,980 77,451 18 hLjg ladf sf]ifdf ;f/]sf] art Ö-s_–-v_ – – 19 gfkmf gf]S;fg lx;fjdf ;f/]sf] art ÷ -gf]S;fgL_ 68,889 13,042
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¿!_ x]dGt gfx6f@_ lagf]b s'df/ Kofs'/]n#_ u+uf k|;fb zdf{$_ ljzfn cu|jfn%_ 8f= ljgf]b cfq]o
lbg]z cdfTo lg= dxfk|jGws
nfnafa' ;fx;xfos k|jGws n]vf tyf laQ
Annual Report 2014/2015jflif{s k|ltj]bg @)&!÷@)&@
24 tkfO{+sf] eljio xfd|f] cleef/f
8th
;"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/0f, 1fg]Zj/, sf7df8f}+
@)&!.$.! b]lv @)&@ cfiff9 d;fGt;Ddsf] gub k|jfxsf] ljj/0f
qm=;+= ljj/0f o; aif{ ut aif{s sf/f]af/ ;+rfngaf^ gub k|jfx M
aLdf z'Ns cfDbfgL 725,802,535 415,050,310 ljnDa z'Ns cfDbfgL 617,844 1,030,076 k'gaL{df z'Ns cfDbfgL – – k'gaL{df sldzg cfDbfgL 10,621,097 2,506,868 cGo k|ToIf cfDbfgL 13,016 11,043 k'gaL{dsaf6 k|fKt bfjL l/se/L 16,862,434 1,862,012 k'gaL{df z'Ns e'QmfgL -97,444,732_ -12,081,106_k'gaL{df sldzg e'QmfgL – – clestf{ sldzg e'QmfgL -89,735,418_ -48,275,381_:jf:Yo k/LIf0f z'Ns e'QmfgL -2,260,211_ -1,239,660_d[To' bfjL e'QmfgL -36,104,904_ -4,401,647_cjlw ;dfKtL bfjL e'QmfgL -1,147,100_ – cf+lzs cjlw ;dfKtL bfjL e'QmfgL -6,152,000_ -4,438,855_;dk{0f d"No bfjL e'QmfgL -9,218,021_ -5,549,174_cGo bfjL e'QmfgL – – ;]jf z'Ns e'QmfgL -4,150,502_ -2,167,026_cGo k|ToIf vr{ -1,920,525_ -244,197_Joj:yfkg vr{ e'QmfgL -136,099,362_ -87,842,306_sd{rf/L af]g; e'QmfgL – -4,065,925_cfos/ e'QmfgL -15,622,145_ -13,615,351_Rffn' ;DklQdf -j[l4_÷sdL 53,718,451 -44,167,900_Rffn' bfloTjdf j[l4÷-sdL_ 10,309,186 -36,731,585_sf/f]af/ ;+rfngaf^ v"b gub k|jfx -s_ 418,089,645 155,640,196
v nufgL ultljwLaf^ gub k|jfxl:y/ ;DklQdf -j[l4_ sdL -13,308,989_ -14,556,691_;/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 -185,500,000_ -327,500,000_a}+s tyf ljQLo ;+:yfsf] cGo lgIf]k nufgLdf -j[l4_ sdL -123,889,718_ 28,439,320 OSo"6L z]o/ nufgLdf -j[l4_ sdL -148,959,340_ -6,353,894_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 -13,130,474_ -7,007,085_k]ZsL tyf cGo shf{df -j[l4_ sdL -19,193,952_ -26,931,251_e'QmfgL k|fKt Aofh cfDbfgL -nufgLdf_ 94,679,174 97,007,794 e'QmfgL k|fKt l8le8]G8 2,540,130 997,426 ef8f cfDbfgL – – e'QmfgL k|fKt Aofh cfDbfgL -shf{df_ 798,076 377,412 cGo ck|ToIf cfDbfgL / vr{ 3,613,265 461,665 nufgL ultljwLaf^ v"b gub k|jfx -v_ -402,351,828_ -244,340,302_
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 – – 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 o; jif{sf] ;Dk")f{ ultljwLaf6 v"b gub k|jfx = -s_±-v_±-u_ 15,737,815 27,671,679 gub tyf a}+sdf /x]sf] z'? df}Hbft 41,871,495 14,199,816 gub tyf a}+sdf /x]sf] clGtd df}Hbft 57,609,310 41,871,495
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¿!_ x]dGt gfx6f@_ lagf]b s'df/ Kofs'/]n#_ u+uf k|;fb zdf{$_ ljzfn cu|jfn%_ 8f= ljgf]b cfq]o
lbg]z cdfTo lg= dxfk|jGws
nfnafa' ;fx;xfos k|jGws n]vf tyf laQ
25tkfO{+sf] eljio xfd|f] cleef/f
Annual Report 2014/2015jflif{s k|ltj]bg @)&!÷@)&@8th
cfh
sf] ld
ltsf] ;+nUg
k|lt
j]bg cg';f/
l;=P= /hlgz bfxfn
;fe
m]bf/
b]a P;f]l;6;\
rf6{8{ Psfp
G6]G6
\;ld
ltM @)&#.!).@)
:yfg
M sf7df08f}
/fd
jfj' kGt
cWo
If
;+rfn
sx¿
!_ x]dGt
gfx6f
@_ lagf]b s'df/ Ko
fs'/]n
#_ u+uf k|;fb zdf{
$_ ljzfn
cu|jfn
%_ 8f= ljgf]b cfq]o
lbg]z cdfTo
lg= dxfk|jGw
snfn
afa
' ;fx
;xfo
s k|jGw
s
n]vf tyf laQ
;"o
f{ nfO
km O
G:o
f]/]G;
sDk
gL l
nld
6]8/lhi6
8{ sfo
f{noM lj/f6g
u/–
(, d
f]/Ë
s]Gb
|Lo s
fof{n
oM r
f6{8{ 6
fj/, r
f}yf] tNn
f, ;fg
f] uf}r
/0f,
1fg
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f7df8
f}+
cf=j
@)&
!.&@
df OS
o"6Ld
f ePs
f] kl/j
t{g ;
DaGw
L ljj/
0f
ljj/
0fz]o
/ k"“h
L;+l
rt
gfkmf÷
gf]S;
fg
k|:tfljt
af]g;
z]o
/
k"“hLut
hu]8f
sf
]ifz]o
/ lk|ld
od
ljz]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'? d
f}Hbft
500
,000
,000
7
0,88
3,55
0 –
–
2
7,67
1,786
–
26
,471
,958
9
,246
,088
6
34,273
,382
x|f;
lglt
df k
l/jt{g
sf]
ut c
f=j ;
Ddsf]
;+lrt
gfkmfd
f k|ef
j
-757
,310_
-757
,310_
;dfof]lh
t z'?
sf] d
f}Hbft
500
,000
,000
7
0,12
6,24
0 –
–
2
7,67
1,786
–
26
,471
,958
9
,246
,088
6
33,516
,072
ut c
f=j ;
DalGw
cGo
;df
of]hg
–
-355
,613_
–
–
–
–
–
–
-355
,613_
k|:tf
ljt
af]g;
z]o/
hf/L
–
–
–
k|:tf
ljt
af]g;
z]o/
–
-31,2
50,000
_ 3
1,250
,000
–
–
o; j
if{sf] r
'Qmf k
"+hL -x
sk|b
z]o/
hf/L
_ –
–
–
–
–
–
–
–
–
z]o/
lk|ld
od –
–
o; j
if{sf] g
fkmf
gf]S;
fg lx
;fja
f^ ;
f/]sf]
–
21,9
41,4
58
–
–
–
–
–
21,9
41,4
58
dxf–l
jkQL
hu]*
f -2
,194,
146_
2,19
4,14
6 –
:yug
s/
hu]8f
– -3
3,056
,295
_ –
–
–
–
3
3,056
,295
–
–
gub
nfef
+z-s/
k|of]h
gsf]n
flu d
fq_
-1,64
4,73
7_ –
–
–
–
–
–
-1
,644,
737_
clGtd
df}Hb
ft 5
00,000
,000
2
3,56
6,90
7 3
1,250
,000
–
2
7,67
1,786
–
5
9,52
8,25
3 11,4
40,234
6
53,4
57,17
9
Annual Report 2014/2015jflif{s k|ltj]bg @)&!÷@)&@
26 tkfO{+sf] eljio xfd|f] cleef/f
8th
^ ljQLo ljj/0fsf] cleGg c+usf] ?kdf /xg] cg';"rLx?cg';"rL–!
-s_ aLdfz'Ns -v'b_
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]
373,940,127 279,714,347 5,960,424 3,635,463 367,979,703 276,078,884
2clu|d e'QmfgL ;fjlws hLjg aLdfsf] cfo Joo lx;fadf ;f/]sf]
82,678,160 31,928,610 2,102,608 728,877 80,575,552 31,199,733
3?kfGtl/t ;fjlws Pj+ cfhLjg hLjg aLdfsf] cfo Joo lx;fadf ;f/]sf]
63,973,396 40,375,032 1,473,231 857,417 62,500,165 39,517,615
4j}b]lzs /f]huf/ DofbL hLjg aLdfsf] cfo Joo lx;fadf ;f/]sf]
205,017,646 62,827,107 93,226,213 27,890,197 111,791,433 34,936,910
5 DofbL hLjg aLdf 193,206 205,214 37,758 167,599 155,448 37,615
hDdf 725,802,535 415,050,310 102,800,235 33,279,553 623,002,300 381,770,757
-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]
373,940,127 279,714,347 – – 373,940,127 279,714,347
2clu|d e'QmfgL ;fjlws hLjg aLdfsf] cfo Joo lx;fadf ;f/]sf]
82,678,160 31,928,610 – – 82,678,160 31,928,610
3?kfGtl/t ;fjlws Pj+ cfhLjg hLjg aLdfsf] cfo Joo lx;fadf ;f/]sf]
63,973,396 40,375,032 – – 63,973,396 40,375,032
4j}b]lzs /f]huf/ DofbL hLjg aLdfsf] cfo Joo lx;fadf ;f/]sf]
205,017,646 62,827,107 – – 205,017,646 62,827,107
5 DofbL hLjg aLdf 193,206 205,214 – – 193,206 205,214
hDdf 725,802,535 415,050,310 – – 725,802,535 415,050,310
-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'Nso; aif{ ut aif{ o; aif{ ut aif{ o; aif{ ut aif{ o; aif{ ut aif{
1 ;fjlws hLjg aLdf 156,700,955 95,457,530 209,573,619 143,685,998
7,665,553 40,570,819 373,940,127 279,714,347
2 clu|d e'QmfgL ;fjlws hLjg aLdf
59,093,535 17,535,114 23,584,625 14,393,496 – – 82,678,160 31,928,610
3 ?kfGtl/t ;fjlws Pj+ cfhLjg hLjg aLdf
31,103,739 19,939,613 32,869,657 20,435,419 – – 63,973,396 40,375,032
4 j}b]lzs /f]huf/ DofbL hLjg aLdf
– – – – 205,017,646 62,827,107 205,017,646 62,827,107
5 DofbL hLjg aLdf 193,206 205,214 – – – – 193,206 205,214
hDdf 247,091,435 133,137,471 266,027,901 178,514,913 212,683,199 103,397,926 725,802,535 415,050,310
27tkfO{+sf] eljio xfd|f] cleef/f
Annual Report 2014/2015jflif{s k|ltj]bg @)&!÷@)&@8th
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 4,620,184 6,578,213 2= jfl0fHo a}+ssf] d'2tL lgIf]kaf6 cfo 56,781,215 62,335,110 3= ljsf; a}+ssf] d'2tL lgIf]kaf6 cfo 17,415,736 9,710,030 4= gful/s nufgL of]hgfaf6 cfo – – 5= ljQLo ;+:yfsf] d'2tL lgIf]kaf6 cfo 12,406,728 7,212,377 6= cfjf; ljQ sDkgLsf] ;fwf/0f z]o/af6 nfef+z – – 7= cGo klAns sDkgLsf] ;fwf/0f z]o/af6 nfef+z 2,540,130 997,426 8= a}+s tyf ljQLo ;+:yfsf] cu|flwsf/ z]o/af6 nfef+z – – 9= a}+s tyf ljQLo ;+:yfsf] l8j]Gr/af6 cfo 9,678,559 6,347,547 10= cGo -ljj/0f v'nfpg]_ af6 cfo11= shf{af6 cfo 2,670,516 412,612 12= cGo lgIf]kaf6 -d'2tL afx]s_ cfo 2,609,606 1,589,940 13= nufgL laqmLdf gfkmf 110,246 10,948,244
Go"g nufgL laqmLdf gf]S;fg – – 14= nufgL -v/Lb_ df gfkmf – –
Go"g nufgL -v/Lb_ df gf]S;fg – -84,583_15= l:y/ ;DkQL laqmLaf6 gfkmf – 84,631
Go"g l:y/ ;DkQL laqmLaf6 gf]S;fg16= vftf ckn]vg – – 17= cl3Nnf jif{;+u ;DalGwt cfo – – 18= cGo cfo÷gf]S;fg 942,748 49,053
hDdf 109,775,668 106,180,600 nufgL, shf{ tyf cGoaf^ cfosf] afF*kmfF*
1= gfkmf gf]S;fg lx;fadf ;f/]sf] 37,148,880 41,044,693 2= ;fjlws hLjg aLdfsf] cfo Joo lx;fadf ;f/]sf] 50,912,416 50,464,695 3= clu|d e'QmfgL ;fjlws hLjg aLdfsf] cfo Joo lx;fadf ;f/]sf] 6,431,965 4,787,562 4= ?kfGtl/t ;fjlws Pj+ cfhLjg hLjg aLdfsf] cfo Joo lx;fadf ;f/]sf] 7,535,935 7,031,513 5= j}b]lzs /f]huf/ DofbL hLjg aLdfsf] cfo Joo lx;fadf ;f/]sf] 7,735,859 2,844,738 6= DofbL hLjg aLdfsf] cfo Joo lx;fadf ;f/]sf] 10,613 7,398
hDdf 109,775,668 106,180,600
cg';"rL–#aLdfn]vsf] lwtf]df shf{ / cfo
qm=;+= aLdfsf] lsl;daLdfn]vsf] lwtf]df shf{ aLdfn]vsf] lwtf]df shf{af6 cfo
o; aif{ ut aif{ o; aif{ ut aif{1 ;fjlws hLjg aLdf 18,075,853 8,367,000 1,451,726 661,793 2 clu|d e'QmfgL ;fjlws hLjg aLdf 2,256,766 1,134,235 202,113 133,602 3 ?kfGtl/t ;fjlws Pj+ cfhLjg hLjg aLdf 5,111,569 2,812,479 442,054 170,140 4 j}b]lzs /f]huf/ DofbL hLjg aLdf – – – – 5 DofbL hLjg aLdf – – – –
hDdf 25,444,188 12,313,714 2,095,893 965,535
Annual Report 2014/2015jflif{s k|ltj]bg @)&!÷@)&@
28 tkfO{+sf] eljio xfd|f] cleef/f
8th
cg';"rL–$bfjL e'QmfgL
qm=;+= aLdfsf] lsl;dd[To" bfjL e'QmfgL
cjlw ;dfKtL bfjL
e'QmfgL
cf+lzs cjlw ;dfKtL bfjL
e'QmfgL;dk{0f d"No bfjL e'QmfgL
o; jif{ ut jif{ o; jif{ ut jif{ o; jif{ ut jif{ o; jif{ ut jif{
1 ;fjlws hLjg aLdf 5,207,510 3,342,081 918,500 290,855 – – 8,249,269 4,908,798
2 clu|d e'QmfgL ;fjlws hLjg aLdf
290,561 171,041 – – 6,152,000 4,148,000 427,085 238,789
3 ?kfGtl/t ;fjlws Pj+ cfhLjg hLjg aLdf
1,345,850 888,525 228,600 – – – 541,667 401,587
4 j}b]lzs /f]huf/ DofbL hLjg aLdf
29,260,983 – – – – – – –
5 DofbL hLjg aLdf – – – – – – – –
hDdf 36,104,904 4,401,647 1,147,100 290,855 6,152,000 4,438,855 9,218,021 5,549,174
qm=;+= aLdfsf] lsl;dcGo bfjL e'QmfgL s"n bfjL e'QmfgL
s"n bfjL e'QmfgLdf
k'gaL{dssf] lx::ffbfjL e'QmfgL -v'b_
o; jif{ ut jif{ o; jif{ ut jif{ o; jif{ ut jif{ o; jif{ ut jif{
1 ;fjlws hLjg aLdf – – 14,375,279 8,541,734 4,878,042 1,417,012 9,497,237 7,124,722
2 clu|d e'QmfgL ;fjlws hLjg aLdf
– – 6,869,646 4,557,830 – – 6,869,646 4,557,830
3 ?kfGtl/t ;fjlws Pj+ cfhLjg hLjg aLdf
– – 2,116,117 1,290,112 280,000 445,000 1,836,117 845,112
4 j}b]lzs /f]huf/ DofbL hLjg aLdf
– – 29,260,983 – 11,704,392 – 17,556,591 –
5 DofbL hLjg aLdf – – – – – – – –
hDdf – – 52,622,024 14,389,676 16,862,434 1,862,012 35,759,590 12,527,664
29tkfO{+sf] eljio xfd|f] cleef/f
Annual Report 2014/2015jflif{s k|ltj]bg @)&!÷@)&@8th
cg';"rL–%
clestf{ s
ldzg
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{
sld
zg
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
aLdf
34,999
,300
20
,848,156
1
6,79
9,827
10
,527
,445
847,34
5 2
,434
,249
52,64
6,472
33
,809
,850
2clu
|d e
'Qmfg
L ;fjlws
hLj
g aL
df
14,744,775
4
,374
,470
2
,259
,167
1
,232
,818
–
–
17
,003
,941
5,607
,288
3?k
fGtl/t ;
fjlws P
j+ cfh
Ljg
hLj
g aL
df
7,387,66
2 4
,707
,702
3
,145,13
3 1
,762
,850
–
–
1
0,53
2,79
5 6
,470
,552
4j}b
]lzs /
f]huf/ Dof
bL
hLj
g aL
df
–
–
–
14,931
,194
4,4
57,569
14
,931
,194
4
,457
,569
5Do
fbL hLj
g aL
df
–
–
–
–
–
–
–
–
hDd
f 5
7,131,73
6 2
9,93
0,32
8 2
2,20
4,12
7 13,52
3,113
15,77
8,53
9 6
,891
,818
9
5,114,
402
50,34
5,25
9
cg';"rL–^
;]jf z'Ns -v'b_
qm=;
+=aLdf
sf] ls
l;d
s'n ;
]jf z
'Nss'n ;
]jf z
'Nsdf
k'ga
L{dssf]
lx:;
f;]jf z
'Ns -v'b_
o; j
if{ut
jif{
o; j
if{ut
jif{
o; j
if{ut
jif{
1;fjlws h
Ljg
aLdf
3,739
,401
2
,797
,143
53,446
36,35
4
3,685,95
5 2
,760
,789
2clu
|d e
'Qmfg
L ;fjlws h
Ljg
aLdf
826
,782
319
,286
18,8
54
7,289
807
,928
3
11,997
3?k
fGtl/t ;
fjlws P
j+ cfh
Ljg
hLj
g aL
df
639
,734
4
03,750
1
3,21
0 8
,574
6
26,524
3
95,176
4j}b
]lzs /
f]huf/ Dof
bL h
Ljg
aLdf
2,050
,176
6
28,271
8
35,943
278
,902
1
,214
,233
3
49,36
9
5Do
fbL hLj
g aL
df
1,932
2
,052
3
39
1,676
1
,593
3
76
hDd
f 7
,258
,025
4
,150
,502
9
21,7
91
332
,795
6
,336
,234
3
,817
,707
Annual Report 2014/2015jflif{s k|ltj]bg @)&!÷@)&@
30 tkfO{+sf] eljio xfd|f] cleef/f
8th
cg';"rL–&Joj:yfkg vr{qm=;+= ljj/0f o; aif{ ut aif{
1 sd{rf/L vr{ -cg';"rL &=! adf]lhd_ 67,695,985 40,568,932 2 3/ ef8f 9,975,851 5,947,662 3 lah'nL tyf kfgL 1,516,565 950,178 4 dd{t tyf ;Def/
-s_ ejg – – -v_ ;jf/L ;fwg 239,152 197,882 -u_ sfof{no pks/0f 475,139 467,846 -3_ cGo -;km\6jo/_ 149,046 36,795
5 ;+rf/ 4,511,683 3,409,031 6 5kfO{ tyf d;nGb 5,582,692 4,254,674 7 vr{ x'g] sfof{no ;fdfg 910,639 466,812 8 kl/jxg 753,196 451,078 9 e|d0f vr{ -eQf ;d]t_
-s_ cfGtl/s 5,586,326 3,310,380 -v_ j}b]lzs – –
10 clestf{ tflnd 2,394,368 566,115 11 clestf{ cGo 43,847,706 25,989,987 12 aLdfz'Ns 327,160 163,055 13 ;'/Iff vr{ 439,455 276,365 14 sfg"gL tyf k/fdz{ z'Ns 9,882 109,288 15 kq klqsf tyf k':ts 129,539 91,633 16 lj1fkg tyf k|rf/ k|;f/ 476,894 375,394 17 Jofkf/ k|j4{g 3,098,915 1,938,842 18 cltyL ;Tsf/ 7,009 148,570 19 rGbf tyf pkxf/ 795,750 25,500 20 ;+rfns ;ldlt ;DaGwL vr{
-s_ a}7s eQf 596,500 552,500 -v_ cGo 82,103 155,881
21 cGo ;ldlt÷pk–;ldlt ;DaGwL vr{ -s_ a}7s eQf 142,500 126,000 -v_ cGo 22,529 31,415
22 ;fwf/0f ;ef ;DaGwL vr{ – 243,374 23 -s_ aLdfÍLo ;]jf z'Ns 452,424 542,909
-v_ aLdfÍLo vr{ – – 24 n]vf k/LIf0f ;DaGwL vr{
-s_ n]vf k/LIf0f z'Ns 372,900 141,250 -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{ 158,200 124,300 -r_ cGo vr{ 100,231 76,408
25 Aofh – 7,890 26 a}s rfh{ 64,628 25,469 27 z'Ns tyf b:t"/ 262,030 118,950 28 Xf; s§L 5,974,975 4,803,219 29 x'nfs l6s6 – – 30 cGo 1,876,264 1,732,023
afF* kmfF*sf] nflu hDdf 159,028,237 98,427,607 1 gfkmf gf]S;fg lx;fadf ;f/]sf] 41,448,226 9,601,465 2 ;fjlws hLjg aLdfsf] cfo Joo lx;fadf ;f/]sf] 59,865,878 69,401,963 3 clu|d e'QmfgL ;fjlws hLjg aLdfsf] cfo Joo lx;fadf ;f/]sf] 12,170,914 7,406,325 4 ?kfGtl/t ;fjlws Pj+ cfhLjg hLjg aLdfsf] cfo Joo lx;fadf ;f/]sf] 9,941,724 9,546,826 5 j}b]lzs /f]huf/ DofbL hLjg aLdfsf] cfo Joo lx;fadf ;f/]sf] 35,565,463 2,412,961 6 DofbL hLjg aLdfsf] cfo Joo lx;fadf ;f/]sf] 36,031 58,067
hDdf 159,028,237 98,427,607
31tkfO{+sf] eljio xfd|f] cleef/f
Annual Report 2014/2015jflif{s k|ltj]bg @)&!÷@)&@8th
cg';"rL–&=!sd{rf/L vr{qm=;+= ljj/0f o; aif{ ut aif{
1= tna 32,469,000 20,755,468
2= eQf 19,785,549 11,750,685
3= bz} vr{ 2,167,447 1,338,856
4= ;~rosf]ifdf yk 2,149,385 1,414,360
5= tflnd vr{ 121,450 84,573
6= kf]zfs 532,690 8,240
7= cf}ifwf]krf/ 1,004,188 728,533
8= aLdf 1,606,753 7,535
9= k]G;g tyf pkbfg vr{ tyf Joj:yf 1,516,490 946,062
10= ljbf afkt vr{ tyf Joj:yf 5,975,070 3,147,729
11= cGo ;'ljwf afkt vr{ tyf Joj:yf -ljj/0f v'nfpg]_ – –
12= cGo sd{rf/LnfO{ lbPsf] k|f]T;fxg eQf 367,962 386,891
hDdf 67,695,985 40,568,932
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/ -33,056,295_ -12,084,797_
afF*kmfF*
gfkmf gf]S;fg lx;fadf ;f/]sf] -u_ Ö -s_ ± -v_ -33,056,295_ -12,084,797_
-s_ afF8kmfF8af6 cfPsf] cfos/ – –
-v_ o; aif{sf] :yug s/ -33,056,295_ -12,084,797_
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 -33,056,295_ -12,084,797_
Annual Report 2014/2015jflif{s k|ltj]bg @)&!÷@)&@
32 tkfO{+sf] eljio xfd|f] cleef/f
8th
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
aLdfs
f] cfo
Joo
lx;
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–
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L ;fjlws h
Ljg
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f] cfo
Joo
lx;
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6 ;f/]sf]
–
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3=?k
fGtl/t ;
fjlws P
j+ cfh
Ljg
hLjg
aLdfs
f] cfo
Joo
lx;fjaf
6 ;f/]sf]
–
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4=
j}b]lz
s /
f]huf/ Dof
bL h
Ljg
aLdfs
f] cfo
Joo
lx;
fjaf
6 ;f/]sf
-19
,226
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_ -6,16
9,12
1_5=
DofbL hLj
g aL
dfs
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Joo
lx;
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6 ;f/]sf
68,8
89
13,04
2 hDd
f -19
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6,07
9_
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
bfjL
e'Qmfg
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L cf
+lzs
cjlw
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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
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gcfPs
f] bfjL
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g'dflg
t_
e'Qmfg
L x'g afFs
L hDd
f bfj
Le'Q
mfgL x
'g afFs
L hDd
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Ldf k
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sf] lx
::ff
e'Qmfg
L x'g afFs
L bfjL
afk
t Joj:
yf
o; j
if{ut
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o; j
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1=;f
jlws
hLjg
aLdf
381
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4
06,25
0 –
–
–
–
–
–
–
–
–
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381
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4
06,25
0 – 100
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439
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352
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2=clu|d
e'QmfgL ;
fjlws
hLjg
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180
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–
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180
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–
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207
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3=?k
fGtl/t
;fjl
ws P
j+ cf
hLjg
hLjg
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456
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4
56,800
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456,8
00
456
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43,75
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43,75
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45,00
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8
4=j}b
]lzs
/f]huf/ Do
fbL h
Ljg a
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–
–
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fbL h
Ljg a
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hDdf
838
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838
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243
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34
3,750
6
84,10
6 8
04,856
33tkfO{+sf] eljio xfd|f] cleef/f
Annual Report 2014/2015jflif{s k|ltj]bg @)&!÷@)&@8th
cg';"rL–!!
hLjg aLdf s
f]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
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f/]sf
] hu
]8f s
f]ifaf6
;f/]s
f];d
fof]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
hLj
g aL
df 5
44,18
2,152
3
37,12
1,750
2
94,14
8,89
3 2
15,35
0,09
0 –
–
–
–
8
38,33
1,045
5
52,4
71,8
40
@=cl
u|d e
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0,47
2,119
3
3,513
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50,51
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–
1
00,991
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51,7
18,8
09
#?k
fGtl/t
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Pj+ c
fhLj
g hL
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Ldf
77,6
44,8
44
49,11
9,59
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7,557
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29,43
9,71
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–
–
–
1
25,20
2,067
7
8,55
9,30
7
$j}b
]lzs
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–
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fbL h
Ljg
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hDdf
672
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419
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3
92,225
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262
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–
–
–
–
1,06
4,52
4,44
0 6
82,7
49,956
hLjg aLdf s
f]ifdf ;dfof]hg
qm=;+=
aLdfs
f] lsl
;d
;dfof
]hg c
uf8Lsf
] hLjg
aLdf
sf]if -jif{s
f] cGTo
df_
gfkmf gf]S
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lx;fad
f
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f] nflu
Joj:
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f] nflu
Joj:
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o; a
if{ut
aif{
!=;f
jlws
hLj
g aL
df 8
38,33
1,045
55
2,471
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10,14
2,568
8,
289,68
8 –
–
9
1,283
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4,60
7,189
–
–
9,18
3,564
6
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82
8,18
8,47
7 5
44,182,15
2
@=cl
u|d e
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L ;f
jlws
hLj
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df 1
00,991
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09 1
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996
1,24
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–
15,98
3,36
4
11,22
0,20
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28
430
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99,38
6,333
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0,472
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#=?k
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;fjlws
Pj+
cfhL
jg h
Ljg
aLdf
125
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67
78,
559,30
7 1
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9 9
14,4
63
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961
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123
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77,64
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44
$=j}b
]lzs
/f]huf
/ Do
fbL h
Ljg
aLdf
–
–
–
–
–
–
–
–
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fbL h
Ljg
aLdf
–
–
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hDdf
1,06
4,52
4,44
0 6
82,7
49,956
13,523
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10
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–
–
121
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440 9
4,05
7,56
4 –
–
11,6
85,964
7
,987
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1,0
51,00
0,947
6
72,299
,115
Annual Report 2014/2015jflif{s k|ltj]bg @)&!÷@)&@
34 tkfO{+sf] eljio xfd|f] cleef/f
8th
cg';"rL–!@Joj:yf lkmtf{qm=;+= ljj/0f o; aif{ ut aif{1= nufgLdf gf]S;fgsf] nflu Joj:yf lkmtf{ – 145,243 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
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{ 50,000 138,700 4= nfef+z ljt/0f vr{ – – 5= z]o/ ;DaGwL cGo vr{ 206,463 819,104
hDdf 256,463 957,804
cg';"rL–!$cGo vr{x|?qm=;+= ljj/0f o; aif{ ut aif{1= b)* hl/jfgf – – 2= ljnDa z'Ns hl/jfgf 314,067 76,831 3= cGo – –
hDdf 314,067 76,831
cg';"rL–!%gf]S;fgLsf] nflu Joj:yfqm=;+= ljj/0f o; aif{ ut aif{1= nufgLdf gf]S;fgsf] nflu Joj:yf lkmtf{ 576,796 – 2= shf{df gf]S;fgsf] nflu Joj:yf lkmtf{ 34,134 31,999 3= z+sf:kb cf;fdL Joj:yf lkmtf{ – – 4= cGo Joj:yf lkmtf{ – –
hDdf 610,930 31,999
35tkfO{+sf] eljio xfd|f] cleef/f
Annual Report 2014/2015jflif{s k|ltj]bg @)&!÷@)&@8th
cg';"rL–!^-s_ z]o/ k"FhL
qm=;+= ljj/0f o; aif{ ut aif{
1= 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/ – –
2= hf/L 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/ – –
3= r'Qmf k"FhL
s_ ? !)) b/sf %)))))) yfg ;fwf/0f z]o/ 500,000,000 500,000,000
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 500,000,000 500,000,000
-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? 1,978,099 39=56 1,770,554 35=41
g]kfnL gful/s 1,521,901 30=44 1,726,446 34=53
ljb]zL – – – –
hDdf 3,500,000 70 3,497,000 70
;j{;fwf/0f 1,500,000 30 1,503,000 30
cGo -ljj/0f v'nfpg]_ – – – –
s"n 5,000,000 100 5,000,000 100
Annual Report 2014/2015jflif{s k|ltj]bg @)&!÷@)&@
36 tkfO{+sf] eljio xfd|f] cleef/f
8th
Ps k|ltzt jf al9 z]o/ :jldTj ePsf z]o/wgLx?sf] ljj/0f
qm+=;+= ljj/0f
o; aif{ ut jif{
:jfldTjsf]
%/sd :jfldTjsf] % /sd
1 >L dx]z s'df/ cu|jfn 1=11Ü 5,555,600 6=63 33,132,500
2 >L cflzif s'df/ cu|jfn – – 6=86 34,275,000
3 o'lgl6s OGe]i6d]G6 k|f= ln= 10=28Ü 51,388,900 10=28 51,388,900
4 o'gfO{6]8 OGe]i6;{ k|f= ln= 8=00Ü 39,987,500 8=00 39,987,500
5 >L lj/]Gb| s'df/ ;+3O{ 2=22Ü 11,111,100 2=22 11,111,100
6 k|'8]lG;on Soflk6n Dofg]hd]G6 s+= k|f= ln= 11=76Ü 58,821,000 6=99 34,958,000
7 >L ljzfn cu|jfn 1=82Ü 9,100,000 1=02 5,100,000
8 >L lgs'GHf cu|jfn 1=74Ü 8,688,700 1=04 5,188,700
9 >L hulbz k|;fb cu|jfn 1=04Ü 5,200,000 1=04 5,200,000
10 >L cg'h cu|jfn 1=06Ü 5,300,000 1=06 5,300,000
11 Unf]an O{Dk]S; OG6/g]zgn k|f=ln= – – 1=11 5,555,600
12 Kof/fdfpG6 O{n]S6«f]lgS; k|f=ln= 1=11Ü 5,555,600 1=11 5,555,600
13 olt lasfz a}+s ln= – – 1=32 6,615,500
14 k'hf OG6/g]zgn g]kfn k|f=ln= 1=40Ü 7,022,100 1=40 7,022,100
15 Unf]an 6]«l8Ë sG;g{ k|f=ln= 1=48Ü 7,391,700 1=48 7,391,700
16 >L czf]s s'df/ cu|jfn 4=08Ü 20,398,800 4=08 20,398,800
17 o'gfO6]8 l8l:6Ao'6;{ g]kfn k|f=ln= 1=72Ü 8,623,600 1=72 8,623,600
18 >L rGb| k|;fb 9sfn 2=06Ü 10,282,500 2=06 10,282,500
19 >L slatf ;+3O{ 3=50Ü 17,500,100 3=50 17,500,100
20 cfO{PdO{ u'|k k|f=ln= 3=90Ü 19,481,200 3=90 19,481,200
21 >L clk{t cu|jfn 1=34Ü 6,700,000 – –
22 >L lbk]z v]]]tfg cu|jfn 2=02Ü 10,076,900 – –
hDdf 61=64Ü 308,185,300 66=81 334,068,400
37tkfO{+sf] eljio xfd|f] cleef/f
Annual Report 2014/2015jflif{s k|ltj]bg @)&!÷@)&@8th
cg';"rL–!&hu]8f tyf sf]ifqm=;+= ljj/0f o; aif{ ut aif{
1= :yug s/ hu]*f 59,528,253 26,471,958 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 27,671,786 6= k|:tfljt af]gz z]o/ 31,250,000 – 7= k"FhLs[t x'g af+sL af]g; z]o/ – – 8= Gffkmf gf]S;fg lx;faaf6 ;f/]sf] gfkmf 23,566,907 70,126,240
hDdf 142,016,946 124,269,984
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]8fo; jif{ ut jif{ o; jif{ ut jif{ o; jif{ ut jif{ 9,246,088 – 2,194,146 9,246,088 11,440,234 9,246,088
– – – – – – – – – – – –
hDdf 11,440,234 9,246,088
cg';"rL–!(ltg{ jfsL bL3{sflng C0f tyf ;fk6Lqm=;+= 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 2014/2015jflif{s k|ltj]bg @)&!÷@)&@
38 tkfO{+sf] eljio xfd|f] cleef/f
8th
cg';"rL–@)
l:y/ ;DklQ
ljj/
0f
k/n
df]n
x|f; s
§Lv'b
df]n
z'? d
f}Hbft
o; j
if{
yk]sf
]o;
jif{
36]sf
]hD
dfut
jif{;
Ddo;
jif{
laqmL÷
;dfof]h
ghD
dfo;
jif{;
Ddsf
]Uft
jif{;
Ddsf
]
lk|m x
f]N8 h
ldg
–
–
–
–
–
ejg
–
–
–
–
kmlg{r/
tyf
lkmS;
\r;{
5,4
52,62
8 2
,249,30
5 7
,701,9
33
2,76
0,21
6 9
43,31
5 3
,703,5
30
3,998
,403
2
,692,4
13
sfof
{no ;
fdfg
3,8
21,38
4 2
,510
,797
6,33
2,181
1
,410
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9
36,4
92
2,34
6,566
3
,985
,615
2,4
11,31
0
sDKo
"6/ t
yf ;
"rgf k
|ljwL
pks
/0f
6,36
0,31
2 3
,753,4
63
10,11
3,774
2
,682,9
71
1,544
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4,22
7,728
5
,886
,046
3
,677,3
41
cb[Zo
;Dk
lQ -l
jj/0
f v'nf
pg]_
222
,165
–
222
,165
82,5
92
44,
433
127
,025
9
5,14
0 1
39,573
;jf/L
;fw
g 1
2,092
,249
6,63
5,00
0 4
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000
13,9
59,24
9 2
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20
2,019
,883
1,5
61,11
9 2
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85
11,3
07,66
4 9
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lnh
xf]N8
;Dk
lQ 1
,240,55
5 1
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3 2
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416
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337
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7
54,4
96
1,73
1,252
8
23,8
88
cGo
-h]g]/
]6/_
1,27
7,785
1
22,11
4 1
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9 3
99,24
0 1
48,26
5 5
47,504
8
52,39
5 8
78,546
hDdf
30,46
7,07
8 16,51
5,87
1 4
,768
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4
2,21
4,94
9 9
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5
,974
,975
1,561
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14,
358,
435
27,
856,51
4 2
0,52
2,49
9
lgdf
{0fflwg
k'FhLu
t vr
{ –
–
–
–
–
–
–
–
–
–
s'n 3
0,46
7,07
8 16,51
5,87
1 4
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4
2,21
4,94
9 9
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5
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1,561
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14,
358,
435
27,
856,51
4 2
0,52
2,49
9
ut j
if{ 2
2,33
4,99
4 15,04
0,72
9 1,542
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3
5,83
3,724
10,89
3,288
4
,803
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1,1
42,592
14,
553,9
15
21,2
79,8
08
11,4
41,7
06
39tkfO{+sf] eljio xfd|f] cleef/f
Annual Report 2014/2015jflif{s k|ltj]bg @)&!÷@)&@8th
cg';"rL–@!nufgLqm=;+= ljj/0f o; aif{ ut aif{
-s_ bL#{sflng nufgL M
!= ;/sf/L / ;/sf/sf] hdfgt k|fKt ;]So"l/6L 49,752,000 59,752,000
@= jfl0fHo a}+ssf] d'2tL lgIf]k 145,000,000 322,000,000
#= ljsf; a}+ssf] d'2tL lgIf]k 110,000,000 45,000,000
$ gful/s nufgL of]hgf – –
% ljQLo ;+:yfsf] d'2tL lgIf]k 148,200,000 59,200,000
^ cfjf; ljQ sDkgLsf] ;fwf/0f z]o/ -cg';"rL @!=! adf]lhd_ – –
& cGo sDkgLsf] ;fwf/0f z]o/ -cg';"rL @!=! adf]lhd_ 190,125,117 41,165,777
* a}+s tyf ljQLo ;+:yfsf] cu|flwsf/ z]o/÷l8j]Gr/ – –
( cGoM laleGg a}+sx¿sf] j08x¿ 107,425,000 73,778,000
hDdf 750,502,117 600,895,777
-v_ cNksflng nufgL M
!= ;/sf/L / ;/sf/sf] hdfgt k|fKt ;]So"l/6L 10,000,000 –
@= jfl0fHo a}+ssf] d'2tL lgIf]k 592,000,000 330,000,000
#= ljsf; a}+ssf] d'2tL lgIf]k 125,000,000 131,000,000
$ gful/s nufgL of]hgf – –
% ljQLo ;+:yfsf] d'2tL lgIf]k 5,000,000 52,500,000
^ a}+s tyf ljQLo ;+:yfsf] cu|flwsf/ z]o/÷l8j]Gr/ – –
& afl0fHo j}+ssf] Aofh k|fKt x'g] cGo lgIf]k 121,354,440 34,112,027
* ljsf; j}+ssf] Aofh k|fKt x'g] cGo lgIf]k 8,256,556 6,295,011
( ljlQo ;+:yfsf] Aofh k|fKt x'g] cGo lgIf]k 1,322,566 283,806
!) cGo Jofh k|fKt x'g] nufgL – –
hDdf 862,933,562 554,190,844
s'n 1,613,435,679 1,155,086,621
Annual Report 2014/2015jflif{s k|ltj]bg @)&!÷@)&@
40 tkfO{+sf] eljio xfd|f] cleef/f
8th
cg';"rL–@!=!z]o/df nufgL
qm=;+= sDkgL v'b /sd c+lst d"No k/n d"No ahf/ d"No
1 PgcfO{;L Pl;of a}+s lnld6]8sf] &,!%) yfg z]o/ k|lt z]o/ ? $**.^( 3,494,118 715,000 3,494,118 4,411,550
2 g]kfn OGe]i6d]G6 a}+ssf] (&& yfg z]o/ k|lt z]o/ ? &^!.#) 743,786 97,700 743,786 687,808
3 g]kfn OGe]i6d]G6 a}+ssf] ^&,^!) yfg z]o/ k|lt z]o/ ? $@$.(# - ;+:yfks_ 28,729,261 6,761,000 28,729,261 35,157,200
4 hgtf a+}s lnld6]8 #,)() yfg z]o/ k|lt z]o/ ? !)).)) 300,000 309,000 300,000 846,660
5 glan Dofr'cn kmG8 @@*,&#& yfg o'lg6 k|lt o'lg6 ? !).)) 2,287,370 2,287,370 2,287,370 3,087,950
6 glan a}+s lnld6]8 @(,^*# yfg z]o/ k|lt z]o/ ? (*#.&#-;+:yfks_ 29,199,930 2,968,300 29,199,930 39,300,292
7 Pe/]i6 a+}s lnld6]8 &,^^) yfg z]o/ k|lt z]o/ ? !$)&.&% 10,783,361 766,000 10,783,361 16,239,200
8 Unf]an cfO{PdO{ a+}s lnld6]8 @&,)&!yfg z]o/ k|lt z]o/ ? %##.*% 14,451,879 2,707,100 14,451,879 18,137,570
9 PgPdla a}+s lnld6]8 @,&(& yfg z]o/ k|lt z]o/ ? @)*.^^ 583,618 279,700 583,618 1,446,049
10 s'df/L a}+s lnld6]8 %%,@## yfg z]o/ k|lt z]o/ ? ^^.$# -;+:yfks_ 3,668,884 5,523,300 3,668,884 10,439,037
11 nIdL a}+s lnld6]8 $&& yfg z]o/ k|lt z]o/ ? @#.)^ 11,000 47,700 11,000 190,800
12 ;g/fOh a}s lnld6]8 (,)!% yfg z]o/ k|lt z]o/ ? #!#.$( 2,826,111 901,500 2,826,111 5,003,325
13 ;fgf ls;fg lasf; a}+s lnld6]8 &$! yfg z]o/ k|lt z]o/ ? *^.(! 64,400 74,100 64,400 1,142,622
14 ?/n dfOs|f] kmfOgfG; lasf; a}+s lnld6]8 !,!#% yfg z]o/ k|lt z]o/ ? !^#.^& 185,760 113,500 185,760 743,425
15 s[lif lasf; a+}s lnld6]8 !,^*( yfg z]o/ k|lt z]o/ ? $^$.(^ 785,314 168,900 785,314 1,165,410
16 g]kfn a+}s lnld6]8 (,&@# yfg z]o/ k|lt z]o/ ? #!*.&$ 3,099,078 972,300 3,099,078 4,492,026
17 ;flgdf a+}s lnld6]8 %&% yfg z]o/ k|lt z]o/ ? $$&.%^ 257,347 57,500 257,347 319,125
18 l;¢fy{ a+}s lnld6]8 *,*)* yfg z]o/ k|lt z]o/ ? ^^$.)& 5,849,085 880,800 5,849,085 5,971,824
19 lxdfnog a+}s lnld6]8 %)( yfg z]o/ k|lt z]o/ ? &(@.@( 403,276 50,900 403,276 413,817
20 l/l8 xfO{8«f] kfj/ 8]enkd]06 s=ln= !)# yfg z]o/ k|lt z]o/ ? (!.@^ 9,400 10,300 9,400 41,715
21 l;¢fy{ Dofr'cn kmG8 %,*(,&&$ yfg o'lg6 k|lt o'lg6 ? !).)) 5,897,740 5,897,740 5,897,740 6,003,899
22 nIdL nB'ljQ ljQ ;+:yf $! Yffg z]o/ k|lt z]o/ ? !)) 4,100 4,100 4,100 38,089
23 k'8]G;Lon OG:of]/]G; sDkgL $,%$) Yffg z]o/ k|lt z]o/ ? $#*.($ 1,992,766 454,000 1,992,766 1,934,040
24 g]kfn b'/;~rf/ sDklg ln ^,$!) yfg z]o/ k|lt z]o/ ?=^@#.%@ 3,996,782 641,000 3,996,782 4,076,760
25 d'StLyfg ljsf; a}s ln @@,!^# yfg z]o/ k|lt z]o/ ? %%).%& 12,202,346 2,216,300 12,202,346 12,499,932
26 ul/df ljsf; a}s ln !),#&# yfg z]o/ k|lt z]o/ ? @*!.)! 2,914,905 1,037,300 2,914,905 3,163,765
27 lxdfnog hg{/n OG:of]/]G; s ln #@! yfg z]o/ k|lt z]o/ ?=%#&.^) 172,570 32,100 172,570 122,301
28 l;¢fy{ OG:of]/]G; sDklg lnld6]8 #,)$* yfg z]o/ k|lt z]o/ ? *)@.$* 2,445,953 304,800 2,445,953 1,978,152
29 PgcfO aLPn Dofr'cn kmG8 *^,($% yfg o'lg6 k|lt o'lg6 ? !).)) 869,450 869,450 869,450 878,145
30 nIdL Eofn' kmf08 !^),*)^ yfg o'lg6 k|lt o'lg6 ? !).)) 1,608,060 1,608,060 1,608,060 1,608,060
31 ljhof nB'ljQ ljQ ;+:yf @# Yffg z]o/ k|lt z]o/ ? !)).)) 2,300 2,300 2,300 2,300
32 cfOPnPkml; dfOqf]kmfOGgf; laQLo ;+:yf !% yfg z]o/ k|lt z]o/ ? !)).)) 1,500 1,500 1,500 1,500
33 ;Ktsf];L 8]enKd]G6 a}s ln !!&) yfg z]o/ k|lt z]o/ ? !)).)) 117,000 117,000 117,000 117,000
34 g]kfn k'gaL{Dff sDkgL lnld6]8 %)!,^^^ yfg z]]o|/ k|lt z]o/ ? !)).)) 50,166,667 50,166,667 50,166,667 50,166,667
hDdf 190,125,117 89,044,287 190,125,117 231,828,014
41tkfO{+sf] eljio xfd|f] cleef/f
Annual Report 2014/2015jflif{s k|ltj]bg @)&!÷@)&@8th
cg';"rL–@@gub tyf a}+s df}Hbft
qm=;+= ljj/0f o; aif{ ut aif{1 gub tyf r]s df}Hbft 53,422,879 26,996,185
hDdf 53,422,879 26,996,185 2 a}+s df}Hbft
jfl0fHo a}+sx?sf] df}Hbft 4,178,431 14,872,310 ljsf; a}+sx?sf] df}Hbft 8,000 3,000 ljQLo ;+:yfx?sf] df}Hbft – – cGo -ljj/0f v'nfpg]_ – –
hDdf 4,186,431 14,875,310 s"n 57,609,310 41,871,495
cg';"rL–@#cGo shf{
qm=;+= ljj/0f o; aif{ ut aif{s lb3{sflng shf{ – – 1 clestf{nfO{ shf{ 26,924,849 28,228,602 2 sd{rf/LnfO{ shf{ – – 3 cGo -ljj/0f v'nfpg]_ – –
hDdf 26,924,849 28,228,602 v cNksflng shf{ – – 1 clestf{nfO{ shf{ – – 2 sd{rf/LnfO{ shf{ 20,954,018 456,313 3 cGo -ljj/0f v'nfpg]_ – –
hDdf 20,954,018 456,313 hDdf 47,878,867 28,684,915
cg';"rL–@$cGo ;DkQL
qm=;+= ljj/0f o; aif{ ut aif{1 nufgLaf6 k|fKt x'g afFsL cfo 30,881,732 21,938,632 2 aLdfn]vsf] lwtf]df shf{af6 k|fKt x'g afFsL Aofh 2,199,299 901,482 3 cGo -aLdfn]vsf] lwtf]df afx]s_ shf{af6 k|fKt x'g afFsL Aofh 194,165 – 4 cGo aLdsaf6 k|fKt x'g afFsL – – 5 k'gaL{dsaf6 k|fKt x'g afFsL – – 6 ljljw cf;fdL 2,285,233 2,801,691 7 clu|d e'QmfgL 66,361,991 51,145,786 8 sd{rf/L k]ZsL 376,002 696,510 9 cGo k]ZsL 433,509 55,539,907 10 w/f}6L 1,095,380 276,840 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_ 1,878,071 304,672 13 cGoM :yug s/ ;DkQL 59,528,253 26,471,958
hDdf 165,233,635 160,077,478
Annual Report 2014/2015jflif{s k|ltj]bg @)&!÷@)&@
42 tkfO{+sf] eljio xfd|f] cleef/f
8th
cg';"rL–@%rfn' bfloTj
qm=;+= ljj/0f o; aif{ ut aif{1 clestf{nfO{ lbg afFsL 38,734,156 9,501,654 2 cGo aLdsnfO{ lbg afFsL – – 3 k'gaL{dsnfO{ lbg afFsL 27,804,473 22,448,971 4 cNksflng shf{ – – 5 aLdfz'Ns w/f}6L 1,857,312 1,323,451 6 k"0f{ ljj/0f gv'n]sf] aLdfz'Ns 1,942,317 802,816 7 ljljw ;fx" 5,259,626 17,699,323 8 ;xfos÷xf]lN8Ë sDkgLnfO{ lbg afFsL – – 9 >f]tdf s§f ul/Psf] s/ ltg{ afFsL 11,581,648 6,053,855 10 d"No clea[{l4s/ ltg{ afFsL – – 11 ;]jf z'Ns ltg{ afFsL 7,258,025 4,150,502 12 sd{rf/LnfO{ lbg afFsL 562,913 825,634 13 ;+rfnsnfO{ lbg afFsL – – 14 cGoM
-s_ sd{rf/L sNof0f sf]if 120,365 113,500 -v_ sn O{g P8efG; -xsk|b z]o/ afkt_ – –
hDdf 95,120,835 62,919,706
cg';"rL–@^c;dfKt hf]lvd Joj:yf
qm=;+= ljj/0f o; aif{ ut aif{1 a}b]lzs /f]huf/ DofbL lhjg aLdf 115,000,000 38,000,000 2 DofbL hLjg aLdf 77,724 18,808
hDdf 115,077,724 38,018,808
43tkfO{+sf] eljio xfd|f] cleef/f
Annual Report 2014/2015jflif{s k|ltj]bg @)&!÷@)&@8th
cg';"rL–@&
ckn]vg÷;dfof]hg x'g afFsL ljljw vr{x?
qm=;
+=ljj/
0fo;
aif{
ut a
if{1
ckn
]vg
ug{
afFsL k|f/lDe
s v
r{
–
–
2
ckn
]vg
ug{
afFsL k"j
{ ;+rfn
g vr{
–
–
3
ckn
]vg
ug{
afFsL nufg
L lk|ld
od
–
–
4
ckn
]vg
ug{
afFsL :y
ug
ul/Ps
f vr{
–
–
5
cGo
-ljj/
0f v
'nfp
g]_ –
–
hDd
f –
–
cg';"rL–@^ s
cGo 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] Joj
:yf
aif{s
f] 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 –
–
1
,644,
737
–
–
–
–
1,64
4,73
7 –
2cf
os/
Joj:
yf 2
32,037
2
32,037
–
–
2
32,037
–
–
–
–
2
32,037
3nu
fgLd
f gf]S;
fgLs
f]] nflu
Joj:
yf –
1
45,24
3 5
76,79
6 –
–
–
–
1
45,24
3 5
76,79
6 –
4sh
f{df g
f]S;fg
Lsf]] n
flu Jo
j:yf
3,4
42
31,9
99
34,
132
–
–
–
–
28,
557
37,5
74
3,4
42
5z+s
f:kb
cf;f
dLsf
] nflu
Joj:
yf –
–
–
–
–
–
–
–
–
–
6cG
o gf
]S;fg
Lsf]] n
flu Jo
j:yf
–
–
–
–
–
–
–
–
–
7sd
{rf/L
;DjG
wL Jo
j:yf
–
–
–
–
–
–
–
–
–
–
s_ k
]G;g
tyf p
kbfg
Joj:
yf 2
,352,0
62
1,470
,694
1,516
,490
8
81,36
8 2
32,4
23
–
–
–
3,63
6,129
2
,352,0
62
v_ lj
bf j
fkt
Joj:
yf 5
,239,97
5 3
,646,6
66
5,935
,070
3,1
47,72
9 1
,095
,484
1,5
54,4
20
–
–
10,079
,560
5,23
9,97
5
u_ c
fjf;
tyf
cGo
;'ljwf
Joj:
yf –
–
–
–
–
–
–
–
–
–
3_ s
d{rf/L
af]g
; Jo
j:yf
3,17
0,65
0 4
,065
,925
–
3
,170,65
0 –
4,
065,92
5 –
–
3
,170,65
0 3
,170,65
0
ª_ c
Go –
–
–
–
–
–
–
–
8cG
o Jo
j:yf
ljj/
)f v'n
fpg]
–
–
2,971
,953
–
–
–
–
–
2
,971
,953
–
hDdf
10,99
8,16
6 9
,592
,564
12
,679
,177
7,19
9,74
7 1,559
,944
5
,620
,345
–
173
,800
2
2,117
,399
10,99
8,16
6
Annual Report 2014/2015jflif{s k|ltj]bg @)&!÷@)&@
44 tkfO{+sf] eljio xfd|f] cleef/f
8th
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/ l:y/ ;DklQsf] pkof]u u/]sf] cjlwsf] cfwf/df x|f; s§L ug]{ gLlt cjnDag u/]sf]] 5 . t/ sDkgLn] lnhxf]N8 ;DklQdf !) jif{ ggf£g] ul/ ckn]vg 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]
Vg] 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"No jf ahf/ d"No dWo] h'g 36L 5 ;f]xL 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 .
45tkfO{+sf] eljio xfd|f] cleef/f
Annual Report 2014/2015jflif{s k|ltj]bg @)&!÷@)&@8th
-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 .
Annual Report 2014/2015jflif{s k|ltj]bg @)&!÷@)&@
46 tkfO{+sf] eljio xfd|f] cleef/f
8th
!&= 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 .
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Annual Report 2014/2015jflif{s k|ltj]bg @)&!÷@)&@8th
cg';"rL–@(
ljQLo ljj/0f;+u ;DalGwt n]vf ;DaGwL l6Kk0fLx?1 ;Defljt bfloTjx? M
c_ 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 – – –
2 sdl;{on a}+s 325,000,000÷– 240,000,000÷– –
3 ljsf; a}+s 180,000,000÷– 121,000,000÷– –
4 ljQLo ;+:yfsf] d'2tL lgIf]k 61,000,000÷– 19,500,000÷– –
5 klJns lnld6]8 sDkgLsf] ;fwf/0f z]o/ 154,759,039÷53 – 57,99,700÷–
6 sdl;{on l8j]Gr/ 33,647,000÷00 – –
HfDdf 748,756,227÷– 754,406,039÷53 380,500,000÷00
qm=;+ % cGtu{tsf] z]o/ ljlqmaf6 ?==!!),@$^.)) sf] gfkmf u/]sf] 5 .&= 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/_ @&,*)$,$&#.))
Annual Report 2014/2015jflif{s k|ltj]bg @)&!÷@)&@
48 tkfO{+sf] eljio xfd|f] cleef/f
8th
(= 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 MJoj: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 x]dGt gfx6f ;+rfns #= >L lagf]b s'df/ Kofs'/]n ;+rfns$= >L u+uf k|;fb zdf ;+rfns%= >L ljzfn cu|jfn ;+rfns^= 8f= lagf]b cfq]o ;+rfns&= >L lza l;x+ sfsL{ ;+rfns -ldlt @)&).)^.)& b]lv @)&@.)^.@! ;Dd_*= >L dx]z s'df/ cu|jfn ;+rfns -ldlt @)^(.!@.@^ b]lv @)&#.)^.)* ;Dd_ (= >L s]zj k|;fb eÞ§/fO{ ;+rfns -ldlt @)&@.!!.!$ b]lv @)&#.)&.@( ;Dd_!)= >L dgf]h s'df/ nfn s0f{ sf=d'=dxfk|jGws -ldlt @)&).)%.@% b]lv @)&!.)(.)$ ;Dd_!!= >L /fs]z kf]v/]n ;xfos—dxfk|aGws -ldlt @)&!.)(.)$ b]lv xfn ;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 ?=!,$@,%)).)) e'QmfgL ePsf] 5 .
k|d'v Joj:yfkg sd{rf/L / ltgnfO{ k|bfg ul/Psf] kfl/>lds / ;'ljwf
qm= ;+= Gffd kbrfn" tna eQf /
;'ljwfeljiodf k|bfg ul/g] ;'ljwf
bL3{sfnLg ;'ljwf
af]g; tyf s= s= sf]if
hDdf
! dgf]h s'df/ nfn s0f{ sf=d'=dxfk|aGws -@)&!.)(.)$ ;Dd_
?= !,!!^,&$$.(* — — — ?= !,!!^,&$$.(*
@ /fs]z kf]v/]n ;xfos—dxfk|aGws ?= &)^,@#*.&) — — — ?= &)^,@#*.&)
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= @)^$.^%, cf=j=@)^%.^^, cf=j=@)^^.^&, cf=j=@)^&.^*, cf=j=@)^*.^(, cf=j=@)^(.&) / cf=j=@)&).&! sf] cfo ljj/0f :jod s/ lgwf{/0f u/L ;DalGwt cf=/f=sf=df k]z ul/;lsPsf] 5 . pQm cfo ljj/0fx? dWo] cf=a= @)^^.)^& ;Dd sf] ;DalGwt sfof{noaf6 clGtd s/ lgwf{/0f eO{;s]sf] / cGo cfly{s jif{x?sf] clGtd s/ lgwf{/0f x'g af+sL /x]sf] 5 .
!#= cf=j=@)&!.&@ ;Ddsf] ljdfÍLo d"NofÍg ul/ lgodgsf/L lgsfo >L aLdf ;ldtLaf6 :jLs[tL k|fKt eO{ aLldtnfO{ k|bfg ug]{ 3f]lift af]g; b/ tn pNn]v ul/P cg';f/ 5g .
49tkfO{+sf] eljio xfd|f] cleef/f
Annual Report 2014/2015jflif{s k|ltj]bg @)&!÷@)&@8th
aLdfn]vsf] lsl;d aLdf cjwL -aif{_ Aff]g; -k|lt aif{ k|lt xhf/_
;fjlws hLjg aLdf
%–( @%
!)–!$ @(
!%–!( #%
@)–@$ $#
@%–@( $(
#) jf ;f] eGbf dfyL %^
;fjlws tyf cfhLjg
%–( @%
!)–!$ @(
!%–!( #%
@)–@$ $#
@%–@( $(
#) jf ;f] eGbf dfyL %^
clu|d e'QmfgL
!)–!$ #!
!%–!( #!
@)–@$ $!
!$= 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 .
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 .
!%= lnh xf]N8 ;DklQdf ut jif{;Dd / o; jif{ vr{ (Amortization) n]lvPsf] /sdsf] ljj/0f M
ljj/0fut jif{;Ddsf]s'n /sd
ut jif{ ;Ddsf] vr{
n]lvPsf] /sd
o; jif{sf]yk /-36_ /sd
o; jif{sf] vr{ s'n vr{ jf+sL /sd
ljB'lto ;fdfg tyf h8fg416,767 61,842 344,635 112,049 173,890 587,511
wf/f jfy?d ;fdfg tyf h8fg
11,280 1,026 3,000 2,708 3,734 10,546
lgdf{0f tyf ;hfj6 812,508 353,798 897,558 223,073 576,871 1,133,195
HfDdf 1,240,555 416,666 1,245,193 337,829 754,496 1,731,252
!^= x|f; s§L lgltdf kl/jt{g
s_ ut cf=j ;Dd cfos/ P]g jdf]lhd :yL/ ;DkQLdf x|f; s§L ug]{ lglt /x]sf]df o; cf=j b]lv g]kfn n]vfdfg !^ cg'?k ;DktL pkof]u u/]sf] cjlwsf] cfwf/df x|f; s§L ug]{ lglt cjnDag ul/Psf] 5 .
v_ sDkgLsf] x|f; s§L lgltnfO{ g]kfn n]vfdfg !^ cg'?k cg';/0f ug{ sDkgLsf] lglt kl/jt{g ul/Psf] xf] .
Annual Report 2014/2015jflif{s k|ltj]bg @)&!÷@)&@
50 tkfO{+sf] eljio xfd|f] cleef/f
8th
u_ o;/L g]kfn n]vfdfg !^ cg'?k x|f; s§L u0fgf ubf{ cly{s jif{ @)&)÷&! ;Ddsf] ;DkQLdf ? &%&,#!).#$ n] ;dfof]hg ul/ ;f] sf] k|efj gfkmf gf]S;fg lx;fadf lbOPsf] 5 .
3_ cf=j @)&)÷&! ;Ddsf] l:y/ ;DkQL ;dfof]hg tflnsf
ljj/0f
cf=j @)&)÷&! sf] ljlQo
ljj/0f cg';f/ v'b l:y/ ;DkQL
;dfof]hgcf=j @)&)÷&! sf] ;dfof]lht v'b l:y/
;DkQL
lk|m xf]N8 hldg – – –
ejg – – –
kmlg{r/ tyf lkmS;\r;{ 2,531,041=00 161,371=69 2,692,412=69
sfof{no ;fdfg 2,241,043=00 170,267=19 2,411,310=19
sDKo"6/ tyf ;"rgf k|ljwL pks/0f 3,447,749=00 229,591=51 3,677,340=51
cb[Zo ;DklQ -ljj/0f v'nfpg]_ 117,489=00 22,083=77 139,572=77
;jf/L ;fwg 9,239,936=00 659,492=49 9,899,428=49
lnh xf]N8 ;DklQ 2,835,414=00 -2,011,525=69_ 823,888=31
cGo -h]g]/]6/_ 867,137=00 11,408=71 878,545=71
hDdf 21,279,809=00 -757,310=34_ 20,522,498=66
ª_ x|f; s§L lglt kl/jt{gsf] cf=j= @)&!÷&@ df k|efj
ljj/0flglt kl/jt{g ug'{ k"j{sf] x|f; s§L
kl/jlt{t lglt cg';f/ x|f; s§L
;dfof]hg
lk|m xf]N8 hldg –
ejg –
kmlg{r/ tyf lkmS;\r;{ 1,016,705 943,315 73,390
sfof{no ;fdfg 1,046,593 936,492 110,101
sDKo"6/ tyf ;"rgf k|ljwL pks/0f 1,754,930 1,544,757 210,173
cb[Zo ;DklQ -ljj/0f v'nfpg]_ 44,433 44,433 –
;jf/L ;fwg 2,323,612 2,019,884 303,728
lnh xf]N8 ;DklQ 182,785 337,830 -155,045_
cGo -h]g]/]6/_ 148,387 148,264 123
hDdf 6,517,445 5,974,975 542,470
!&= 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 $! -!_ cg';f/ /fVg'kg]{ sd{rf/L cfjf; sf]ifsf] Joj:yf u/]sf] 5}g .
!(= cl3Nnf aif{ a9L bfaL ul/Psf] clu||d cfos/ ?= @#@,)#&.– nfO{ o; cf=j= df ;dfof]hg ul/Psf] 5 . @)= jf;nft, gfkmf gf]S;fg lx;fa, cfo Joo lx;fa ufotsf ljQLo ljj/0fx?nfO{ a'‰m\g / ljZn]if0f ug{ ;3fp k'Ug] cGo
51tkfO{+sf] eljio xfd|f] cleef/f
Annual Report 2014/2015jflif{s k|ltj]bg @)&!÷@)&@8th
hfgsf/Lx?M -s_ :yug s/ ;DklQ tyf bfloTj g]kfn n]vfdfg–9 cg';f/ @)&! cfiff9 d;fGtdf cfos/df lgDg cg';f/ u0fgf
ul/Psf] 5 .
ljj/0f n]vf cfwf/ s/ cfwf/ v"b /sd
l:y/ ;DklQ 27,856,514 15,536,430 -12,320,084_
nufgLdf lk|ldod – 289,431 289,431
nufgL afkt Joj:yf 576,796 – 576,796
pkbfg Joj:yf 3,636,129 – 3,636,129
ljbf afkt Joj:yf 10,079,560 – 10,079,560
shf{df gf]S;fgLsf]] nflu Joj:yf 37,574 – 37,574
o; jif{sf] gf]S;fg – !#^,!*#,($% !#^,!*#,($%
cl3Nnf] jif{af6 ;fl/Psf] gf]S;fg – ((,^@(,^^) ((,^@(,^^)
s"n c:yfO{ km/s 238,113,011:yug s/ ;DklQ @%Ü 59,528,253
eljiodf kof{Kt s/ d"gfkmf cfh{g eO{ s/ gf]S;fgaf6 x"g cfpg] :yug s/ ;DklQnfO{ ;dfof]hg ug{ ;lsg]] s'/fdf Joj:yfkg ljZj:t 5 .
-v_ Gffkmf gf]S;fg lx;fjsf] cl3Nnf] jif{;+u ;DalGwt vr{ lzif{sdf b]vfOPsf] /sdsf] ljj/0f lgDgfg';f/ 5 .
l;=g ljj/0f o; jif{ ut jif{
! cl#Nnf] jif{ clu|d cfos/ ;dfof]hg ul/Psf]
– @$^,$$*
@ o; jif{– x|f; lgltdf kl/jt{gsf] ut cf=j ;Ddsf] ;+lrt gfkmfdf k|efj
– &%&,#!).#$
# o; jif{– cfos/ ;dfof]hg tyf cGo #%%,^!# –
hDdf #%%,^!# !,))#,&%*.#$
-u_ 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 /sd gfkmf gf]S;fg lx;fjdf ;fl/g] 5 .
-3_ sd{rf/L af]g; Joj:yf :yug s/ cfDbfgL/vr{ eGbf cl3sf] gfkmf df lgodfg';f/ Joj:yf ul/Psf] 5 .-ª_ ljQLo ljj/0fsf] OSo"6Ldf ePsf] kl/jt{g ;DaGwL ljj/0fdf :yug s/ ;DklQnfO{ cGo hu]8fdf b]vfOPsf] 5 .-r_ k|:tfljt af]g; z]o/ o; sDkgLsf] ldlt @)&#–!)–@) df a;]sf] ;+rfns ;ldltsf] !*) cf}F a}7sn] %Ü z]o/ nfef+; (Bonus Share)
tyf ).@^#@Ü gub nfef+; -s/ k|of]hgsf] nflu_ afF8\g k|:tfj ug]{ lg0f{o ul/Psf] 5 .-5_ 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 .
Annual Report 2014/2015jflif{s k|ltj]bg @)&!÷@)&@
52 tkfO{+sf] eljio xfd|f] cleef/f
8thcg';"rL–#)
k|d'v ;"rsfÍx¿
qm=;
+=ljj/
)f;"r
sfÍ
cf=a
=20
71÷72
2070
÷71
2069
÷70
2068
÷69
2067
÷68
!g]^
jy{
?= 6
42,016
,946
6
25,027
,294
4
60,985
,630
4
20,704
,139
39
4,00
8,13
8 @
z]o/
;+Vo
f;+V
of 5
,000
,000
5
,000
,000
4
,113
,000
3
,600
,000
3
,600
,000
#
k|lt
z]o/
lstf
jL d
"No?=
128
=40
125
=01
112
=08
116
=86
109
=45
$v"b
gfkmf
?= 2
1,94
1,45
8 4
3,79
1,30
2 4
0,28
1,49
1 2
9,39
6,00
1 1
7,11
6,52
5 %
k|lt
z]o/
cfo
(EP
S)?=
4=39
8=76
9=79
8=17
4=75
^k|lt
z]o/
nfe
f+z (
DPS)
?=5=
263Ü
–
–
–
–
&k|lt
z]o/
ahf/ d
"No (
MPP
S)?=
709
750
1
66=0
0 1
44=0
0 1
27=0
0 *
d"No
cfDb
fgL c
g'kft
(PE
Rat
io)
cg'kft
161
=57
85=
63
16=95
1
7=64
2
6=71
(
k|yd
aif{s
f] aLd
fz'Ns
?= 2
47,091
,435
1
95,964
,578
6
9,20
2,19
5 6
8,97
2,44
8 6
1,60
3,12
2 !)
s'n
aLdf
z'Ns
?= 7
25,8
02,535
4
15,050
,310
2
16,515
,231
1
61,927
,151
1
16,8
31,338
!!
v"b
aLdf
z'Ns
÷s'n
aLdf
z'Ns
k|ltz
t85
=84
91=98
9
8=49
9
8=49
9
8=60
!@
v"b
gfkmf÷
s'n
aLdf
z'Ns
k|ltz
t3=02
10=
55
18=60
18=
15
14=
65
!#s'n
aLdf
z'Ns
÷s'n
;DklQ
k|ltz
t 3
7=46
2
9=24
2
2=51
2
1=78
2
0=24
!$
nufg
L / s
hf{a
f^ c
fo÷s
'n nu
fgL /
shf{
k|ltz
t 6
=63
8=9
6 9
=00
10=
08
10=
85
!%s'n
nufg
L / s
hf{÷
hLjg
aLdf
sf]if
k|ltz
t 1
=58
1=78
2=0
7 2
=69
3=8
1 !^
k'gaL
{df s
ldzg
cfo÷
s'n
k'gaL
{dfz'Ns
k|ltz
t 1
0=33
7
=53
5=72
6=9
5 6
=54
!&Jo
j:yf
kg v
r{÷s
'n aL
dfz'Ns
k|ltz
t 2
1=91
2
4 2
2=71
3
3=42
3
6=36
!*
aLdf
cle
stf
{ ;Da
lGw v
r{÷s
'n aL
dfz'Ns
k|ltz
t 1
9=48
1
4=95
1
3=42
1
7=15
2
2=95
!(
aLdf
cle
stf
{ ;+Vo
f;+V
of42
02 3
,179
33
32 2
,730
2
,135
@)
sd{r
f/L ;
+Vof
;+Vof
206
158
12
1 9
7 1
03
@!sfo
f{nos
f] ;+Vo
f;+V
of67
54
36 3
6 3
6 @@
sd{r
f/L v
r{÷J
oj:y
fkg
vr{
k|ltz
t 4
2=57
4
1=22
5
4=03
4
3=50
4
1=87
@#
sd{r
f/L v
r{÷s
d{rf/L ;
+Vof
?=
328
,621
2
56,765
2
19,539
2
42,693
1
72,675
@$
e'Qmfg
L x'g
aFfsL b
fjL /
sd÷
e'Qmfg
L ePs
f] bfjL /
sd
k|ltz
t 1
=83
8=34
30=
41
64=
36
97=85
@%
s'n
sfo
d /x
]sf] a
Ldfn
]vsf] ;
+Vof
;+Vof
df 1
74,190
7
3,82
2 3
9,30
1 3
3,23
8 2
5,92
5 @^
o; j
if{ gj
Ls/)
f ePs
f] aLd
fn]vsf] ;
+Vof÷
ut j
if{ sfo
d /x
]sf] a
Ldfn
]vsf] ;
+Vof
k|ltz
t 5
5=75
5
3=68
4
9=95
3
8=04
6
1=24
@&bfjL k/]s
f] aLd
fn]vs
f] ;+Vo
f÷s'n
sfod
/x]sf] a
Ldfn
]vsf] ;
+Vof
k|ltz
t 0
=28
0=4
4 0
=52
0=27
0=18
@*;f
]Ne]G;
L dflh
{gk|ltz
t 1
=80
3=0
2 1
=94
–
–
@(#f
]lift
af]g;
b/
?= k
|ltxh
f/ ?
=@%
b]lv ?
=%^
?=#$
b]lv ?
=^%
?=31
b]lv ?
=60
–
–
#)cG
tl/d
af]g
; b/
?= k
|ltxh
f/ ?
=@%
b]lv ?
=%^
?=#$
b]lv
?=^%
?=31
b]lv ?
=60
–
–
53tkfO{+sf] eljio xfd|f] cleef/f
Annual Report 2014/2015jflif{s k|ltj]bg @)&!÷@)&@8th
cg';"rL–#)
k|d'v ;"rsfÍx¿
qm=;
+=ljj/
)f;"r
sfÍ
cf=a
=20
71÷72
2070
÷71
2069
÷70
2068
÷69
2067
÷68
!g]^
jy{
?= 6
42,016
,946
6
25,027
,294
4
60,985
,630
4
20,704
,139
39
4,00
8,13
8 @
z]o/
;+Vo
f;+V
of 5
,000
,000
5
,000
,000
4
,113
,000
3
,600
,000
3
,600
,000
#
k|lt
z]o/
lstf
jL d
"No?=
128
=40
125
=01
112
=08
116
=86
109
=45
$v"b
gfkmf
?= 2
1,94
1,45
8 4
3,79
1,30
2 4
0,28
1,49
1 2
9,39
6,00
1 1
7,11
6,52
5 %
k|lt
z]o/
cfo
(EP
S)?=
4=39
8=76
9=79
8=17
4=75
^k|lt
z]o/
nfe
f+z (
DPS)
?=5=
263Ü
–
–
–
–
&k|lt
z]o/
ahf/ d
"No (
MPP
S)?=
709
750
1
66=0
0 1
44=0
0 1
27=0
0 *
d"No
cfDb
fgL c
g'kft
(PE
Rat
io)
cg'kft
161
=57
85=
63
16=95
1
7=64
2
6=71
(
k|yd
aif{s
f] aLd
fz'Ns
?= 2
47,091
,435
1
95,964
,578
6
9,20
2,19
5 6
8,97
2,44
8 6
1,60
3,12
2 !)
s'n
aLdf
z'Ns
?= 7
25,8
02,535
4
15,050
,310
2
16,515
,231
1
61,927
,151
1
16,8
31,338
!!
v"b
aLdf
z'Ns
÷s'n
aLdf
z'Ns
k|ltz
t85
=84
91=98
9
8=49
9
8=49
9
8=60
!@
v"b
gfkmf÷
s'n
aLdf
z'Ns
k|ltz
t3=02
10=
55
18=60
18=
15
14=
65
!#s'n
aLdf
z'Ns
÷s'n
;DklQ
k|ltz
t 3
7=46
2
9=24
2
2=51
2
1=78
2
0=24
!$
nufg
L / s
hf{a
f^ c
fo÷s
'n nu
fgL /
shf{
k|ltz
t 6
=63
8=9
6 9
=00
10=
08
10=
85
!%s'n
nufg
L / s
hf{÷
hLjg
aLdf
sf]if
k|ltz
t 1
=58
1=78
2=0
7 2
=69
3=8
1 !^
k'gaL
{df s
ldzg
cfo÷
s'n
k'gaL
{dfz'Ns
k|ltz
t 1
0=33
7
=53
5=72
6=9
5 6
=54
!&Jo
j:yf
kg v
r{÷s
'n aL
dfz'Ns
k|ltz
t 2
1=91
2
4 2
2=71
3
3=42
3
6=36
!*
aLdf
cle
stf
{ ;Da
lGw v
r{÷s
'n aL
dfz'Ns
k|ltz
t 1
9=48
1
4=95
1
3=42
1
7=15
2
2=95
!(
aLdf
cle
stf
{ ;+Vo
f;+V
of42
02 3
,179
33
32 2
,730
2
,135
@)
sd{r
f/L ;
+Vof
;+Vof
206
158
12
1 9
7 1
03
@!sfo
f{nos
f] ;+Vo
f;+V
of67
54
36 3
6 3
6 @@
sd{r
f/L v
r{÷J
oj:y
fkg
vr{
k|ltz
t 4
2=57
4
1=22
5
4=03
4
3=50
4
1=87
@#
sd{r
f/L v
r{÷s
d{rf/L ;
+Vof
?=
328
,621
2
56,765
2
19,539
2
42,693
1
72,675
@$
e'Qmfg
L x'g
aFfsL b
fjL /
sd÷
e'Qmfg
L ePs
f] bfjL /
sd
k|ltz
t 1
=83
8=34
30=
41
64=
36
97=85
@%
s'n
sfo
d /x
]sf] a
Ldfn
]vsf] ;
+Vof
;+Vof
df 1
74,190
7
3,82
2 3
9,30
1 3
3,23
8 2
5,92
5 @^
o; j
if{ gj
Ls/)
f ePs
f] aLd
fn]vsf] ;
+Vof÷
ut j
if{ sfo
d /x
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Ldfn
]vsf] ;
+Vof
k|ltz
t 5
5=75
5
3=68
4
9=95
3
8=04
6
1=24
@&bfjL k/]s
f] aLd
fn]vs
f] ;+Vo
f÷s'n
sfod
/x]sf] a
Ldfn
]vsf] ;
+Vof
k|ltz
t 0
=28
0=4
4 0
=52
0=27
0=18
@*;f
]Ne]G;
L dflh
{gk|ltz
t 1
=80
3=0
2 1
=94
–
–
@(#f
]lift
af]g;
b/
?= k
|ltxh
f/ ?
=@%
b]lv ?
=%^
?=#$
b]lv ?
=^%
?=31
b]lv ?
=60
–
–
#)cG
tl/d
af]g
; b/
?= k
|ltxh
f/ ?
=@%
b]lv ?
=%^
?=#$
b]lv
?=^%
?=31
b]lv ?
=60
–
–
cg';
"rL–#!
aLdfÍsf] ljj/0f
qm=;+=
aLdfs
f] lsl
;d
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/x]s
f]
aLdfn
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(Sum
at R
isk)
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l/Ps
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;d o
f6 l/:s
(Sum
at R
isk)
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f u/]s
f] ;d
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:s
(Sum
at R
isk)
o; j
if{ut
jif{
o; j
if{ut
jif{
o; j
if{ut
jif{
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if{ut
jif{
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1 4
0,37
0 1
2,772
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39
9,63
9,82
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8 1
2,495
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9,38
1,096
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6,6
70,68
4,80
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33
5,8
24,78
7,533
4,
886,3
22,75
5
@cl
u|d e
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fjlws
hLjg
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42,000
9
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00
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98
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00
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112
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2
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56,4
83,50
0,000
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08,000
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83,50
0,00
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2,708
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22,5
93,4
00,000
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0 3
3,890
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24,8
00,000
%Do
fbL h
Ljg
aLdf
3
4
30,30
0,00
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2,940
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3
0,30
0,00
0 5
2,940
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1
6,300
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3
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0,00
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3,300
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hDdf
174,
190
73,8
22
72,9
35,11
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2
4,88
3,559
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72,6
30,06
3,837
2
4,60
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8,80
4 11
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33
13,58
6,106
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Annual Report 2014/2015jflif{s k|ltj]bg @)&!÷@)&@
54 tkfO{+sf] eljio xfd|f] cleef/f
8th
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/Psf]] 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 . h; dWo] @ j6f ^&÷^*, # j6f ^*÷^(, !
j6f ^(÷&) / ! j6f &)÷&! sf] /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/ l:y/ ;DklQsf]
pkof]u u/]sf] cjlwsf] cfwf/df x|f; s§L ug]{ gLlt cjnDag u/]sf]]] / 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 sDkgLsf] 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] Going Concern Basis 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 .!^ cf=j= @)&!÷&@ df aLdf ;ldltn] sDkgLnfO{ s'g} b08 hl/jfgf tf]s]sf] 5}g .!& Joj:yfkgn] cfjZos 7fg]sf cGo s'/fx? g/x]sf] .
Annual Report 2014/2015jflif{s k|ltj]bg @)&!÷@)&@
56 tkfO{+sf] eljio xfd|f] cleef/f
8th
!_ aLdsn] clestf{x?nfO{ k|bfg u/]sf] C0fdWo] cNn]Vo ?kdf c;'n x'g] g;s]sf] /sdnfO{ ljif]z kxn u/L c;'n ug{' x'g . clestfx?nfO{ k|bfg u/]sf] C0f c;'n e}/x]sf] / tf]lsPsf] ;dodf c;'n x'g g;s]sf] C0f /sd c;'n ug{ ;DalGwt
clestf{nfO{ kqfrf/ ul/Psf] / zfvf sfof{nonfO{ clestf{x? ;Fu ;Dk{s u/L C0f c;'nL ug{ s8f lgb]{zg lbO{Psf] Joxf]/f hfgsf/L u/fpmb5f} .
@= ;ldltn] tf]s]sf]l;df eGbf a9L @,*(,%$,#!!÷– Joj:yfkg vr{ u/]sf]n] ca cfOGbf To:tf] vr{ gug]{ tkm{ ;r]t /xg' kg]{ .
;ldltn] tf]s]sf] l;df eGbf a9L Joj:yfkg vr{ ePsf] tkm{ sDkgL ljif]z;r]t /x]sf] / Joj:yfkg vr{ qmdz Go'g x'b} uPsf], cfudL aif{x?df, vr{ k|0ffnL df ldt Jolotf / cfDbfgLdf a9f]Q/L dfkm{t Joj:yfkg vr{ tf]lsPsf] l;df leq sfod /fVg] Joxf]/f hfgsf/L u/fpmb5f} .
#= k"0f{ ljj/0f gv'n]sf] aLdf z'Ns !(,$@,#!&÷– Go"lgs/0f u/L a}+s lx;fj pk/ kof{Kt lgoGq0f sfod ug'{ x'g . ljldt n] ltg'{kg]{ ljdf lk|ldod /sd ef}r/ dfkm{t a}sdf bflvnf ug]{ qmddf, hfgsf/Lsf] cefjdf ef}r/ ebf{ el/g'kg]{ ljj/0f
ge/L /sd hDdf u/]sf] sf/0f JolQm klxrfg ug{ g;lsPsf] xf] . o; k|sf/sf] ;d:onfO{ ;dodf g} lg/fs/0f ug{ cfjZos sbd rfln ;lsPsf] Joxf]/f hfgsf/L u/fpmb5f} .
$= aLdsn] sd{rf/Lx?sf] pkbfg tyf labf jfktsf] Joj:yf jfkt ?=!,#&,!%,^*(÷– cljnDj :jLs[t cjsfz sf]ifdf bflvnf ug'{ x'g .
sDkgLsf sd{rf/Lx?sf] pkbfg tyf ljbf jfktsf] /sdnfO{ gful/s nufgL sf]ifsf] 5'6} vftfdf claNfDa hDdf u/L txfFnfO{ hfgsf/L u/fpmg] 5f} .
%= aLdsn] aLdf z'Ns jfktsf] gub tyf r]s /sd ;ldltsf] tf]s]sf] ;do l;dfleq a}+s bflvnf ug'{ x'g . aLdf z'Ns jfktsf] gub tyf r]s /sd ;ldltn] tf]s]sf] ;do l;dfleq a}+sdf bflvnf ub} cfO{/x]sf] / ljif]z sf/0fjz l9nf
x'g uPsf] eP cfufdL lbgx?df ;ldltn] tf]s]sf] ;dofjwL leq} bflvnf ug]{ k|lt sDkgL ;+j]]bgl;n /x]sf] Joxf]/f hfgsf/L u/fpmb5f} .
^= aLdsn] aLldtnfO{ lbOg] af]g; b/ / ;f]Ne]G;L dflh{g j[l4sf] nflu cfjZos kxn ug'{ x'g . sDkgLsf] nufgLsf] k|ltkmn b/ j[l4 x'b} uPsf], kF'lhut vr{, ;fdfGo cfout vr{df ldTfAolotfsf] gLlt cjnDag u/]sf] /
xsk|b z]o/ hfF/L u/]sf] sf/0f r'Qmf k"FhLdf x'g] j[l¢af6 cfufdL jif{ af]g; b/ / ;f]Ne]G;L dflh{g j[l¢x'g] hfgsf/L u/fpb5f} .
&= aLdsn] l:y/ ;DklQsf] ef}lts k/LIf0f u/L vftf cBflws ug'{ x'g . aLdssf] :yL/ ;DkQLsf] ef}lts kl/If0f, sf]8 /fVg], :yL/ ;DkQL vftf cBfjlws ug]{ sfo{ hf/L /x]sf] / ef}lts kl/If0f ug]{
sfo{ ;DkGg x'g ;fy txFfsf] hfgsf/L sf] nflu k|]lift ul/g] Joxf]/fcg'/f]w 5 .
*= aLdssf] c08//fOl6Ë tyf bfjL e'QmfgLdf b]lvPsf] ljljw s}lkmotx? ;'wf/ ug'{ x'g . sDkgLsf] c08//fOl6Ë tyf bfjL e'QmfgLdf b]lvPsf ljljw s}lkmotx?nfO{ of]hgfa4 ?kdf ;'wf/ ug{ sfo{ k|f/De ul/Psf] /
cufdL lbgdf To:tf s}lkmotx? k|lt ;+:yf ;+j]bglznsf ;fy} ;r]t /x]sf] Joxf]/f hfgsf/L u/fpmb5f} .
(= aLdsn] ;+:yfut ;'zf;gnfO{ k"0f{ ?kdfkfng u/L n]vfk/LIfsn] cf}NofPsf s}lkmotx? ;'wf/ ug'{ x'g . aLdf ;ldltjf6 hf/L ;+:yfut ;'zf;gnfO{ k"0f{ ?kdf kl/kfng ul//x]sf] / cfufdL lbgx?df ;d]t kl/kfng ug'{kg]{ sfg'gL
bfloTj g} x'g] k"0f{ af]Wf /x]sf] / cfGt/Ls tyf afXo n]vfk/LIfåf/f cf}NofPsf s}lkmotx?nfO{ k'Mg gbf]xf]l/g] u/L cfjZos sbdx? rflnPsf] / n]vfkl/Ifsaf6 cf}NofPsf s}lkmotx?nfO{ ;'wf/ ub} hfg] k|ltj4tf JoQm ug{ rfxfG5f} .
aLdf ;ldltsf] ldlt @)&#.!!.@$ ut]sf] kqaf6 sDkgLsf] cf=j= @)&!.&@ sf] ljlQo ljj/0f l:js[t ubf{sf zt{x? pk/ sDkgLsf] hjfkm
57tkfO{+sf] eljio xfd|f] cleef/f
Annual Report 2014/2015jflif{s k|ltj]bg @)&!÷@)&@8th
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 eljiodf 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|fKt x'G5 . of] of]hgf 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] cfjZoQmf kl/k"lt{sf] nflu aLdfsf] rfn' cjwL leq} 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/;ls]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]hgfx?df pknAw b'3{6gf nfex?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 aLdfË /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 aLdfË a/fa/sf] /sd aLldtsf] kl/jf/n] jf O{R5fPsf] JolQmn] k|fKt ug]{5 .
Annual Report 2014/2015jflif{s k|ltj]bg @)&!÷@)&@
58 tkfO{+sf] eljio xfd|f] cleef/f
8th
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 (Endowment Cum Wholelife)
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 Profit)
;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] .
59tkfO{+sf] eljio xfd|f] cleef/f
Annual Report 2014/2015jflif{s k|ltj]bg @)&!÷@)&@8th
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?= ^@,%),)),))).–-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 .
sDkgLn] tTsfn hf/L ug]{ z]o/ k'+hL ?= ^%,^@,%),))).–-k}+;¶L s/f]8 a};¶L nfv krf; xhf/ _ x'g]5 . ;f] r'Qmf k'+hLnfO{ k|ltz]o/ ?= !)).– sf b/sf ^%,^@,%)).– - k}+;¶L nfv a};¶L xhf/ kfFr ;o_ yfg ;fwf/0f z]o/df ljefhg ul/Psf] 5 .
cf7f}+}+ aflif{s ;fwf/0f ;efaf6 % k|ltzt af]g; 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 ?= $#,&%,)),))).– -lqrfln; s/f]8 krxQ/ nfv_ tyf ;j{;fwf/0faf6 ?= !*,&%,)),))).– -c7f/ s/f]8 krxQ/ nfv_ ul/ hDdf ?= ^@,%),)),))).–-a};¶L s/f]8 krf; nfv _ x'g]5 .
sDkgLsf ;+:yfksx?n] tTsfn r'Qmf ug{ sjf]n u/]sf] k"+hL ?= $%,(#,&%,))).– -k}tfln; s/f]8 lqofgAa] nfv krxQ/ xhf/_ tyf ;j{;fwf/0faf6 ?= !(,^*,&%,))).– -pGgfO; s/f]8 c7\;¶L nfv krxQ/ xhf/_ ul/ hDdf ?= ^%,^@,%),))).–-k}+;¶L s/f]8 a};¶L nfv krf; xhf/ _ x'g]5 .
cf7f}+}+ aflif{s ;fwf/0f ;efaf6 % k|ltzt af]g; z]o/ k|bfg ug]{ eP adf]lhd sDkgLsf] r'Qmf k'+hL a[l4 x'g] ePsfn] .
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@( -!_ sDkgL P]g, aLdf P]g, aLdf lgodfjnL adf]lhd ;+rfns x'g of]Uo ePsf] Aoj;flos JolQmx? dWo]af6 .
sDkgL P]g, aLdf P]g, aLdf lgodfjnL aLdssf] ;+:yfut ;'zf;g ;DaGwL lgb]{lzsf adf]lhd ;+rfns x'g of]Uo AolQm dWo]af6 ;+rfns ;ldltn] Ps hgf :jtGq la1 ;+rfns lgo'Qm ug]{5 .
:jtGq la1 ;+rfnssf] lgo'lQm ;+rfns ;ldltn] ug]{ Aoj:yf ug{ cfjZos ePsfn] .
@(-@_ :jtGq / Joj;flos ;+rfnsx?sf] lgo'lQmsf] nfuL ;+rfns ;ldltn] of]Uo AolQmx?sf] gfd rog u/L lgo'lQMsf] nfuL ;fwf/0f;efdf k]z ug'{ kg]{5 . o;/L gfd tof/ ubf{ hlt hgf :jtGq ;+rfns lgo'lQm x'g] xf] ;f] ;+Vofsf] slDtdf tLg u'0ff al9 of]Uo JolQmx?sf] gfd :jtGq ;+rfnssf] lgo'lQmsf] nfuL ;fwf/0f;efdf k|:t't ug'{ kg]{5 .
vf/]h pko'Qm gePsfn] .
@(-#_ :jtGq / Joj;flos ;+rfnssf] lgo'lQm pklgod -@_ adf]lhd ;fwf/0f;efdf k|:t't k|:tfjdf pNn]v ul/Psf AolQmx? dWo]af6 ul/g]5 .
Vff/]h pko'Qm gePsfn] .
61tkfO{+sf] eljio xfd|f] cleef/f
Annual Report 2014/2015jflif{s k|ltj]bg @)&!÷@)&@8thComparative Growth Trend of Turnover & Investment
Premium Income for the FY 2071-72
1,400.001,600.00 1,800.00
-200.00 400.00 600.00 800.00
1,000.00 1,200.00 1,400.00
Investment
Turnover
Millio
ns
Endowment Life Policy
Money Back Life Policy
Endowment & Whole Life Policy
Foreign Employement Term Life Policy
Group Term Life Policy
0.03%
28.25%
8.81%
11.39%
51.52%
Annual Report 2014/2015jflif{s k|ltj]bg @)&!÷@)&@
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