ljifo;rL - sindhubank.com.np

ljifo;"rL

l;=g+= ljj/0f k]h g+=

!= ;fwf/0f ;ef ;DalGw ;"rgf s

@= k|ltlglw lgo'Qm ug]{ kmf/fd / k|j]z–kq v

#= ;~rfns ;ldltsf] tkm{af6 cWoIfHo"n] k|:t't ug'{ x'g] jflif{s k|ltj]bg !–#

$= sDkgL P]g @)^# sf] bkmf !)( sf] pkbkmf $ adf]lhdsf] ljj/0f $–^

%= cf=j= @)^&÷@)^* sf] n]vf k/LIf0f k|ltj]bg &–*

^= cf=j= @)^&÷)^* sf] jf;nft, gfkmf–gf]S;fg lx;fa, gub k|jfx ljj/0f ;d]tsf] cg';"rLx? (–$#

&= g]kfn /fi6« a}+saf6 lbOPsf lgb]{zgx? $$

*= k|jGwkq tyf lgodfjnLdf ;+zf]wg k|:tfj $%

;w+}======tkfO{ ;“u bf]>]f jflif{s k|ltj]bg @)^&÷)^*

bf]>]f jflif{s k|ltj]bg @)^&÷)^* s

l;Gw' ljsf; a}+s lnld6]8sf] bf];|f] jflif{s ;fwf/0f ;ef a:g] af/]sf] ;"rgf

l;Gw' ljsfz a}s+ lnld6]8sf] ldlt @)^(÷)!÷!# ut] a;]sf] ;+rfns ;ldltsf] %$ cf} a}7ssf] lg0f{o cg';f/ sDkgLsf] bf];|f] jflif{s ;fwf/0f ;ef lgDg ldlt, ;do / :yfgdf b]xfosf laifox? pk/ 5nkmn u/L lg0f{o ug{ a:g] ePsf] x'bf ;a} z]o/wlg dxfg'efjx?sf] hfgsf/Lsf] nflu sDkgL P]g @)^# sf] bkmf ^&-@_ adf]lhd of] ;"rgf k|sflzt ul/Psf] 5 . bf];|f] jflif{s ;fwf/0f ;efdf pkl:yltsf nflu xflb{s cg'/f]w ub{5' . ;ef x'g] ldlt,;do / :yfg

ldlt M @)^(÷)@÷@) ut] zlgjf/ tbg';f/ )@ h'g, @)!@

;do M ljxfg !) ah]

:yfg M c/lgsf] ;ef xn, ag]kf, sfe|] 5nkmnsf laifox? M

-s_ ;fdfGo k|:tfa

!_ ;+rfns ;ldltsf] tkm{af6 cWoIfHo" 4f/f k|:t't k|lta]bg 5nkmn u/L kf/Lt ug]{ .

@_ n]vfkl/Ifssf] k|ltj]bg ;lxt cf=j= @)^&÷)^* sf] jf;nft, gfkmf gf]S;fg, gub k|afx ljj/0f 5nkmn u/L kf/Lt ug]{ .

#_ cf=j=@)^*÷)^( sf] n]vfkl/If0f ug{sf] nflu n]vfkl/Ifs lgo'lQm u/L lghsf] kfl/>dLs lgwf{/0f ug]{ .

-jt{dfg n]vfkl/Ifs l8=Pg=sdf{rfo{ P08 sDklg k'gM lgo'Qm x'g of]Uo x'g'x'G5 _

$_ ljljw v_ laz]if k|:tfa M

!_ k|aGwkq sf] bkmf % sf] …7Ú x6fpg],

@_ lgodfjnLsf] bkmf !) ;+zf]wg ug]{,

#_ lgodfjnLsf] bkmf #! ÚsÚ ;+;f]wg ug]{,

$_ ;+rfnsx?sf] a}7s eQf j[l2 ug{ lgodfjnLsf] bkmf #@ -v_ ;+zf]wg ug]{ .

%_ k|aGwkq tyf lgodfjnLdf ;+zf]wg :jLs[t ug]{ tyf lgodgsf/L lgsfox?jf6 km]/jbn ug{ lgb]{zg ePdf ;f] cg';f/ yk36 km]/jbn÷kl/dfh{g ug{ ;+rfns ;ldltnfO{ clVtof/L lbg] .

^_ o; a}+s tyf cGo s'g} a}+s tyf ljlQo ;+:yf Ps cfk;df dh{ -ufEg]÷ufleg]_ x'g] ;Gbe{df ;dembf/Lkq th{'df ug]{, cGo k|s[of k'/f u/L ;f] df x:tfIf/ ug]{, ;Dk'0f{ rn crn ;DklQ / bfloTj d'Nofªsg stf{ n]vfkl/Ifs lgo'lQm ug]{ / lghsf] kfl/>lds tf]Sg] nufot dh{ -ufEg]÷ufleg]_ x'g cfjZos ;Dk'0f{ k|s[of cjnDag u/L Ps cfk;df dh{ ug{ tyf sfo{ If]q lj:tf/ ug{ ;+rfns ;ldltnfO{ ;Dk"0f{ clVtof/L k|bfg ug]{ .

&_ ljljw .

;+rfns ;ldltsf] cf1fn] sDkgL ;lra

;fwf/0f ;ef ;DalGw ;fdfGo hfgsf/L

!_ jflif{s ;fwf/0f ;efdf efu lng cfpFbf cfkm\gf] kl/ro v'Ng] s'g} k|df0f kq ;fydf lnO{ cfpg' x'g cg'/f]w 5 .

@_ ;efdf efu lngsf] nflu k|ltlglw -k|f]S;L_ d's// ubf{ o; a}+ssf] z]o/wgL dWo]af6 ;ef x'g'eGbf sDtLdf $* 306f cufj} a}+ssf] k|wfg sfof{nodf btf{ ul/ ;Sg' kg]{5 .

#_ ;fwf/0f ;ef ;DalGw cGo la:t[t hfgsf/L a}s+sf] k|wfg sfof{no tyf skf]{/]6 sfof{nodf ;Dks{ ug{ ;lsg] 5 .

;w}+======tkfO{ ;“u

bf]>]f jflif{s k|ltj]bg @)^&÷)^*v ;w}+======tkfO{ ;“u

k|f]S;L kmf/fd >L ;~rfns ;ldlt l;Gw' ljsf; a}+s lnld6]8 af¥xlj;], l;Gw'kfNrf]s

ljifo M k|ltlglw lgo'lQm u/]sf] af/] . dxfzo, ===========================================lhNnf================================g=kf=÷uf=lj=;================== j8f g+ ======== a:g]

d÷xfdL ============================================================= n] To; sDkgLsf] -a}+ssf]_ z]o/wgLsf] x}l;otn] @)^( ;fn

h]i7 @) ut] zlgjf/sf lbg x'g] bf];|f] ;fwf/0f ;efdf :j+o pkl:yt eO{ 5nkmn tyf lg0f{odf ;xefuL x'g g;Sg] ePsf]n]

pQm ;efdf efu lng tyf dtbfg ug{sf nflu ====================================== lhNnf =========================================

g=kf=÷uf=lj=; ======================================================== j8f g+ ============ a:g] To; sDkgLsf -a}+ssf_ z]o/wgL

>L =========================================================================== z]o/ k|df0f kq g+ ============================== nfO{

d]/f]÷xfd|f] k|ltlglw dgf]lgt u/L k7fPsf]÷sf 5'÷5f} . lgj]bs b:tvt M gfd M 7]ufgf M z]o/ k|df0f kq g+ M ls=g+= M ======================== b]lv =================== ;Dd ldlt M ======================================== b«i6Jo M of] lgj]bg ;fwf/0f ;ef x'g'eGbf sDtLdf $* 3G6f cufj} sDkgLsf] s]Gb|Lo sfof{no jf skf]{/]6 sfof{nodf k]; ul/;Sg'kg]{5 .

k|j]z kq z]o/wgLsf] gfd M ===================================================== kl/ro g+ M ========================== z]o/wgLsf] ;xL M ==================================================== z]o/ ;+Vof M ============================= l;Gw' ljsf; a}+s lnld6]8sf] ldlt @)^( ;fn h]i7 @) ut] zlgjf/sf lbg x'g] bf];|f] jflif{s ;fwf/0f ;efdf pkl:yt x'g hf/L ul/Psf] k|j]z kq . b«i6Jo M z]o/wgL cfkm}n] vfnL 7fpF eg{' xf]nf . -;ef–sIfdf k|j]z ug{ of] k|j]z kq k|:t't ug{' clgjfo{ 5 ._

;~hLj k|wfg sDkgL ;lrj

Aofhb/ Jofh b/ -;fwf/0f_

Jofh b/ -ljz]if_

(=%) Ü !) Ü !) Ü gofF !& Ü !& Ü

!)=@% Ü k'/fgf] !&=%) Ü !&=%) Ü

!) Ü

!)=%) Ü gofF !^=%) Ü !^=%) Ü

!@Ü * k'/fgf] !& Ü !& Ü

!@ Ü ;Dd* !&=% Ü !& Ü

!^=%) Ü !^ Ü !&=%) Ü !&=%) Ü

cjlw Jofh e'QmfgL !^=%) Ü !^=%) Ü

^ dlxg] df;Ls !& Ü !^=%) Ü

q}df;Ls !^=%) Ü !^ Ü

! jif]{ df;Ls !& Ü !^=%) Üq}df;Ls !%=%) Ü !%=%) Ü

@ jif]{ df;Ls !&=%) Ü !^=%) Ü

q}df;Ls !& Ü !^=%) Ü

!& Ü !^=%) Ü

a}+såf/f k|bfg ul/Psf cGo ;]jfx? !%=%) Ü !%=%) Ü

!& Ü !^=%) Ü

cGt/ zfvf (ABBS) sf/f]af/ !^=%) Ü !^=%) Ü /]ld6]ofG; e'QmfgL !&=%) Ü !&=%) Ü

r]s ;dfzf]wg (Cheque Clearing) ;'ljwf !& Ü !^ Ü

;fwf/0f z]o/sf] k|fylds lgisf;gsf] ;ªs\ng s]Gb| !^ Ü !^ Ü !* Ü !&=% Ü

lgIf]kstf{ JolQmx?sf] lgIf]k vftfdf /x]sf] ? b'O{nfv

;Ddsf] /sd lgIf]k tyf shf{ ;'/If0f lgud -k|f=_ ln=

;+u ;'/If0f ul/Psf] 5 .

;fy} o; a}+ssf vftfjfnfx?n] Pg Pd la a}+ssf] d'Vo tyf zfvf sfof{nox?af6 /sd lemSg tyf /fVg ;lsg] # dlxg] !& Ü !& Ü

Joj:yf ul/Psf] 5 . ^ dlxg] !&=%) Ü !&=%) Ü!@ dlxg] !* Ü !* Ü

!* Ü !&=%Ü

lgIf]k of]hgfsf] gfd

;lhnf] jrt

;+~rosf]if jrt vftf

sG;f]l6{od shf{!! Ü

!!=&% Ü

h]i7 gfu/Ls ;Ddfg jrt vftf

;w}+ ====== tkfO{ ;Fu

lgIf]k vftf

dfhL{g n]G8Lu+ shf{ ljkGg ju{ shf{

l;Gw' lk|ldod vftf

!)=%) Ü

* zt{ nfu' x'g]5g\ .

l/on :6]6 shf{ejg lgdf{0f shf{

s[lif shf{

a}b]lzs /f]huf/L shf{

d'4tL vftf Aofhb/

!) Ü

±#Ü jf !$Ü h'g j9L x'G5

JolQmut shf{

;'g lwtf] shf{

z}lIfs shf{

!!=%) Ü

!!=@% Ü

cf}Bf]lus shf{

Aofkfl/s shf{

cf]e/8|fkm\6 shf{ . 6|:6 ;fgf tyf demf}nf Joj;fo

dlxnf n3' pBd shf{

sd{l;on ;jf/L ;fwg

lghL ;jf/L ;fwg

shf{ tkm{

cGo shf{

hn ljB't cfof]hgf shf{

d'4tL /;Lb lwtf] shf{ ±@ Ü cGo ;+:yfsf] d'4tL /;Lb l ] {

±$ Ü jf !%Ü h'g j9L x'G5

g]kfn ;/sf/ 4f/f hf/L C0f ] l ]

cGo pks/0fx?

cfjzLo 3/ shf{

;]jf Joj;fo shf{

Aofhb/

z'e nIdL art vftf

jfn jfnLsf art vftf

z]o/xf]N8/ jrt vftf

dfl;s qmlds jrt vftf

shf{ lzif{s

xfo/kr]{h shf{

bf]>]f jflif{s k|ltj]bg @)^&÷)^* !

l;Gw' ljsf; a}+s ln= bf]>f] jflif{s ;fwf/0f ;efdf ;+rfns ;ldltsf] tkm{af6

cWoIfHo' 4f/f k|:t't k|ltj]bg @)^&÷^*

o; l;Gw' ljsf; a}+ssf] bf]>f] jflif{s ;fwf/0f ;efdf pkl:yt x'g' x'g] ;j} z]o/wgL dxfg'efjx? tyf cltyLHo"x?nfO{ o; ljsf; a}+ssf] ;+rfns ;ldltsf] tkm{af6 / d]/f] cfkm\gf] tkm{af6 ;d]t xflb{s :jfut clejfbg ub{5''' . z]o/wgL dxfg'efjx? o; bf]>f] jflif{s ;fwf/0f ;efdf ljsf; a}+sn] cfly{s jif{ @)^&.^* df u/]sf] cfly{s sf/f]jf/sf] ljlQo ljj/0fx? cg'df]bgsf nflu tyf o; ljsf; a}+sn] cjnDjg u/]sf lgltx? ;fy ;fy} eljiosf of]hgfx? ;d]t k|:t't ug{ uO{/x]sf] 5' . ljut jif{sf] sf/f]jf/sf] l;+xfjnf]sg M o; ljsf; a}+sn] sf/f]jf/ ;+rfngdf NofPsf] klxnf] jif{ d} sf/f]jf/ j[4L, zfvf lj:tf/, ;]jfsf] ljljwLs/0f tyf u|fdL0f a}+lsË ;'ljwf h:tf dxTjk"0f{ lqmofsnfknfO{ Wofgdf /fvL sfo{ u/]sf] 5 . cf=j= @)^&.^* sf] ljlQo sf/f]jf/sf] ;+lIfKt ljj/0f o; k|sf/ 5 .

ljj/0f /sd

z]o/ k'+hL %!,))),))).– lgIf]k @(%,^(^,#*@.$#

shf{ nufgL !^^,@##,#*$.^(

zfvf lj:tf/ # /fli6«o tyf cGt/f{li6«o kl/l:ytLaf6 sDkgLsf] sf/f]jf/nfO{ s'g} c;/ k/]sf] eP ;f] c;/ M cd]/Lsfdf 5fPsf] cfly{s dGbLn] o'/f]k nufot P;Lofsf 7"nf 7"nf d'n'sx?nfO{ ;d]t lg/f; agfof] . cfly{s dGbLaf6 aRg ljZjsf 7"nf 7"nf sDkgLx?n] vr{ lgoGq0fsf nflu sfdbf/ s6f}tL ug{ yfn] . cd]/Lsf tyf o'/f]ksf a}+lsË ;+:yfx?nfO{ dGbLn] lgs} g} k|efj kf¥of] . ljZjd} ePsf] cfly{s dGbLaf6 g]kfnsf] cy{tGqnfO{ klg c;/ kfg'{ :jfefljs} xf] . g]kfnaf6 a}b]zLs /f]huf/sf nflu ljb]zLPsf g]kfnLx?sf] eljio ;d]t cGof}ndf kg{ uPsf] lyof] . To:t} g]]kfnsf] /fli6|o /fhlglt klg cGof}nd} /x\of] . 7"nf bnx?n] ;+ljwfg agfpgsf nfln u/]sf] kxnn] s'g} k|utL lng ;s]g . b]zsf] l/on :6]6 dfs]{6 tyf z]o/ ahf/df 5fPsf] dGbL x6fpg g]kfn ;/sf/ tyf g]kfn /fi6« a}+sn] s]lx lglt lgoddf z+zf]wg u/]tfklg ;'wf/ x'g ;s]g . To:t} b]zsf] ljsf; ah]6 kl/rfng x'g g;Sbf b]zsf] ;du| cfly{s If]q lzyLn x'g k'Uof] . a}lsË If]qdf b]lvPsf] t/ntfsf] ;d:ofn] lgIf]kdf lbg] Jofh b/ psfnf] nfUof] h;n] ubf{ shf{ tkm{ klg Jofh b/ j[4L ug{ a}+lsË If]q afWo eof] . To:t} s]lx ljsf; a}+s tyf s]lx kmfO{gfG; sDkgL ;+:yfut z'zf;gsf] sdhf]/Lsf sf/0f w/f;foL x'g uPsfn] ;Dk"0f{ ljlQo If]qnfO{ 7"nf] c;/ k'Uof] . To:t} o; ljsf; a}+ssf] sfo{ If]q afx|lj;], vf8Lrf}/ tyf d]nDrLdf cGo a}+s tyf ljlQo ;+:yfx?sf] pkl:ytLsf sf/0f a}+lsË ;]jfsf] Go'g kx'+r ePsf] xfd|f] If]q klg k|lt:kwf{Tds /x\of] . cfly{s kl/;'rsx? s'n u|fx:y pTkfbg j[4L #=% k|ltztsf ;fy cf=j= @)^&.^* df g]kfnsf] cfly{s j[4L ;':t /x\of] . o; cjlwdf lg/Gt/sf] phf{ ;+s6 / k'jf{wf/sf] cefjn] cfly{s j[4L Go'g /x\of] . ;/sf/n] cg'dfg u/]sf] & Ü sf] d'b|f:kmLtLdf s]lx k|utL eP kgL cfly{s jif{ @)^*.^( sf nfuL k|If]k0f ul/Psf] %Ü sf] j[4L b/ eg] xf;Ln ug{ d':sLn 5 . cfly{s jif{ @)^&.^* s'n u|fx:y pTkfbg $=% Ü n] j[4L x'g] cg'dfg ul/Psf]df o; cjlwdf b]zsf] pTkfbgsf d'Nodf s'n u|fx:y pTkfbgsf] j[4L b/ #=% Ü sf] xf/fxf/Ldf ePsf] 5 . o;/L s'n u|fx:y pTkfbg j[4L b/ sd x'g'df u}x| s[lif If]qsf] cfly{s ultljwLdf sdL, a9bf] >d ;d:of, ljB't cfk'lt{df sdL, t/ntfsf] ;d:of, ljk|]ifdf cfPsf] sdL nufotsf sf/0fx?g} k|d'v 5g . cf}Bf]uLs If]qn] s'n u|fx:y pTkfbgdf !%=% Ü of]ubfg u¥of] . h'g cf=j= @)^^.^& sf] t'ngfdf )=@ k|ltztn] sd 5 . /fhg}lts :yfoLTj Pj+ zfGtL ;'/Iffsf] cefj, >d ;DalGw b]lvPsf] c;xhtf, ljB't cfk'lt{sf] ;+s6 tyf nufgLsf nflu pko'Qm jftfj/0f x'g g;Sg' g} ;du| cf}Bf]uLs If]qdf x|f; cfpg'sf] d'Vo sf/0f x'g .

;w}+======tkfO{ ;“u

bf]>]f jflif{s k|ltj]bg @)^&÷)^*@

k|ltj]bg tof/ ePsf] ldlt ;Dd rfn' jif{sf] pknlJw / eljiodf ug'{ kg]{ s'/fsf] ;DjGwdf ;+rfns ;ldltsf] wf/0ff cf=j= @)^*.^( sf] r}q d;fGt ;Ddsf] sf/f]jf/sf] ;+lIfKt ljj/0f o; k|sf/ 5 .

ljj/0f @)^* r}q ;Ddsf] @)^& r}q ;Ddsf] z]o/ k'+hL %!,))),))).– %!,))),))).–

lgIf]k ;+sng $@$,)%^,^^^.$@ @&),(&$,^^%.*) shf{ nufgL #!@,)#$,&^$.!) !!^,&!),%%!.%@

lgIf]ksf] nfut Go'g ub}{ n}hfg ;+:yfut lgIf]k tkm{sf] lgIf]knfO{ qmd; 36fp+b} n}hfg] / ;j{;fwf/0fx? ;u+sf] lgIf]knfO{ j[4L ub}{ nfg] lglt lnPsf 5f}+ . k|zfiflgs vr{x?df ldtJooLtf ckgfpg], ljsf; a}+ssf] ;]jf yk u'0f:t/Lo agfpg], gof+ k|ljwL dfkm{t ;]jf k|bfg ug{ kxn ug]{ nufotsf sfo{x? ul/g]5 . ljsf; a}+sn] ;j{;fwf/0fx?nfO{ 5'6\ofPsf] z]o/ lj\qmL u/L r'Qmf k'+hL !) s/f]8 k'¥ofO{g]5 . sd{rf/Lx?sf] sfo{ Ifdtf j[4Lsf nfln tfnLd, ;]dLgf/ tyf uf]i7Lx?df ;xefuL u/fO{g]5 / pko'Qm a}+s tyf ljQLo ;+:yf ;u+ dh{/sf nflu kxn ul/g]5 . sDkgLsf] cf}Bf]uLs jf Joj;foLs ;DjGw o; ljsf; a}+sn] :yfkgfsfn b]vLg} :yfgLo If]qsf cf}Bf]uLs tyf Joj;foLs JolQmTjx? ;u+ ;f}xfb{k"0f{ Joj;foLs ;DjGw /fv]sf] 5 . o; afx]s a}snfO{ cfjZos kg]{ ljleGg ;]jfsf nflu ljleGg ;+:yfx? ;+u ;dw'/ ;DjGw /fvL sfo{ u/]sf 5f}+ . kf/blz{tf / ;+:yfut z';f;gnfO{ pRr k|fyldstfdf /fVb} cfkm\gf] Joj;fo lj:tf/ ug]{ a}+ssf] lglt /x]sfn] ;j} ;u+ ;dw'/ ;DjGw sfod u/]sf 5f}+ . ;+rfns ;ldltdf ePsf] x]/km]/ / ;f] sf] ljj/0f o; cjlwdf ;+rfns ;ldltdf s'g} x]/km]/ ePsf] 5}g . n]vf kl/If0f ;ldlt o; ljsf; a}+ssf ;+rfns >L xl/ /fodfemLsf] ;+of]hsTjdf # ;b:oLo n]vfkl/If0f ;ldlt u7g ul/Psf] 5 . ;ldltdf ;+rfns lgef 8+uf]n >]i7 ;b:o / /fh]; 9sfn ;b:o ;lrj x'g'x'G5 . dfgj ;+zfwg a}+ssf] Joj:yfkgdf sfo{/t sd{rf/Lx? a}+ssf] cd'No ;DklQ x'g eGg] dfGotfnfO{ cfTd;ft u/L a}+sn] k|efjsf/L e"dLsf lgjf{x ug{ sd{rf/Lsf] Ifdtf ljsf;sf] nflu k6s k6s tfnLdsf] Joj:yf u/]sf] 5 . To:t} ljleGg lgsfox?af6 cfof]hgf x'g] uf]i7L ;]dLgf/x?df ;xefuL x'g] df}sf k|bfg u/L sd{rf/Lx?nfO{ bIf agfpg] u/]sf 5f}+ . sfo{ ;Dkfbg d'Nofs+g u/L sd{rf/Lx?sf] a9'jf ug]{ / of]Uo sd{rf/Lx?nfO{ o;} a}+ssf] ;]jfdf sfo{/t /xg pTk|]l/t ub}{ cfPsf 5f}+ . ;+:yfut ;'zf;g ;+:yfut ;'zf;gsf] sdLdf s]lx ljQLo ;+:yfx? w/f;foL ag]sf] xfdL ;j}nfO{ cjut} 5 . ;+:yfut ;'zf;g a}+ssf] sfd sf/jfxLsf] dfu{ bz{gsf] ?kdf /x]sf]n] o;nfO{ k"0f{tof kfngf ug{ xfdL k|ltj4 5f}+ . o; a}+sn] g]kfn /fi6« a}+s, sDkgL /lhi6«f/ tyf cGo ;DjlGwt lgodgsf/L lgsfox?af6 k|fKt lgb]{zgx?sf] kfngf ub}{ cfPsf] 5 . ;+rfng d'gfkmf o; ljsf; a}+s ;+rfngdf cfPsf] ! jif{ & dlxgf eof] . 5f]6f] cjlwd} sf/f]jf/ / u|fxs ;+VofnfO{ ;Gtf]ifhgs ?kdf j[4L ug{ ;Sof}+ . o; If]qdf a}+lsË ;]jf /fd|f] ;u+ lj:tf/ x'g g;s]sf] cj:yfdf xfdLn] # j6f zfvf lj:tf/ u/L ;]jf k|bfg u/\of}+ . o;sf sf/0f sd{rf/L vr{ tyf sfof{no ;+rfng vr{df cToflws j[4L x'g uO{ ut jif{ a}+sn] gf]S;fg Joxf]g'{ k/\of] . a}+snfO{ gfkmfdf ;+rfng ug{ xfdL k|ltj4tf JoQm ub{5f}+ .

;w}+======tkfO{ ;“u

bf]>]f jflif{s k|ltj]bg @)^&÷)^* #

zfvf lj:tf/ a}+lsË ;]jfsf] kx'+r Go'g /x]sf] l;Gw'kfNrf]s lhNnfdf a}+lsË ;]jf lj:tf/ ug{ d]nDrL tyf vf8Lrf}/df zfvf lj:tf/ u/]sf 5f}+ . To:t} sfe|]knfGrf]ssf] ag]kfdf zfvf lj:tf/ ul/Psf] 5 . d'Vo sfof{no ;+rfngdf NofPsf] 5f]6f] cjlwd} oL zfvfx? vf]lnPsf x'gfn] sfof{no ;+rfng vr{ j[4L eO{ ut jif{ a}+s gf]S;fgdf ;+rfng x'g' k/]sf] 5 . cGo a}+s tyf ljlQo ;+:yfx?n] eGbf cl3 zfvf vf]nL ;]jf k|bfg ubf{ sf/f]jf/ j[4Ldf ;xof]u k'u]sf] 5 . h;n] ubf{ :yfkgf ePsf] ! jif{ & dlxgfsf] 5f]6f] cjlwd} s/Lj $@ s/f]8 lgIf]k ;+sng u/L #@ s/f]8 shf{ nufgL ug{ xfdL ;kmn ePsf 5f}+ . o; j[4LnfO{ lg/Gt/tf lbb} hfg xfdL k|ltj4 5f}+ . cGTodf o; ljsf; a}+ssf] k|ultsf nflu lg/Gt/ ;xof]u, ;'emfj, k|f]T;fxg tyf dfu{bz{g k|bfg u/L ;xof]u ug'{ x'g] ;Dk"0f{ z]o/wgL dxfg'efjx?, ;Nnfxsf/Ho"x? tyf o; ljsf; a}+sdf sf/f]jf/ ug'{x'g] ;Dk"0f{ u|fxsx?nfO{ ;+rfns ;ldltsf] tkm{jf6 xflb{s s[t1tf 1fkg ub{5' . ;fy} oxfFx?sf] ;Nnfx, ;'emfj / ;dy{g lg/Gt/ /xg]5 eGg] cfzf ub{5' . To:t} g]kfn ;/sf/, g]kfn /fi6« a}+s, sDkgL /lhi6«f/sf] sfof{no, cGo lgods lgsfox?, ljleGg a}+s tyf ljQLo ;+:yfx?, aLdf sDkgLx?, ;xsf/L ;+:yfx?nfO{ klg xflb{s wGojfb lbg rfxG5' / cGTodf o; ljsf; a}+sdf d]?b08sf ?kdf sfo{/t sd{rf/Lx?nfO{ klg xflb{s wGojfb JoQm ub{5' .

/fh]Gb| s'df/ >]i7

ldlt M @)^(.!.!# cWoIf

;w}+======tkfO{ ;“u

bf]>]f jflif{s k|ltj]bg @)^&÷)^*$

l;Gw' ljsf; a}+s ln=

sDklg P]g @)^# sf] bkmf !)( sf] pkbkmf $ adf]lhdsf] ljj/0f

s_ sf/f]jf/nfO{ c;/ kfg]{ d'Vo s'/fx? M

!_ /fhg}lts cl:y/tfsf sf/0f ;du| cfly{s If]qnfO{ kg]{ k|lts'n c;/ .

@_ ;+:yfut ;'zf;gsf] sdhf]/Lsf sf/0f ljQLo ;+:yfx? aGb x'gfn] kg]{ c;/ .

#_ lgIf]k ;'/If0f vr{, a}+s tyf ljQLo ;+:yfdf t/ntf Joj:yfkg ubf{ Jofh lng gkfp+bf gfkmfdf k|ToIf c;/ kg]{ .

$_ a}s tyf ljQLo ;+:yfx? jLr c:j:y k|lt:kwf{ x'gfn] :k|]8 b/df kg]{ c;/ .

%_ 3/ hUuf tyf z]o/sf] sf/f]jf/df k/]sf] dGbLsf sf/0f

^_ /fli6«o tyf cGt/f{li6«odf x'g] cfly{s dGbLsf] k|efjaf6 x'g ;Sg] hf]lvdx? v_ n]vf kl/If0f k|ltj]bgdf x'g] s}lkmot pNn]v ePsf] eP ;f] pk/ ;+rfns ;ldltsf] k|lts[of M

;f] gePsf] . u_ nfef+z jf+8kmf+8 ug{ lzkmf/L; ul/Psf] /sd M

;f] gePsf] 3_ z]o/ hkmt ePsf] eP hkmt ePsf] z]o/ ;+Vof, To:tf] z]o/sf] cls+t d'No To:tf] z]o/ hkmt x'g' eGbf cufj} ;f]

jfkt sDklgn] k|fKt u/]sf] hDdf /sd / To:tf] z]o/ hkmt eP kl5 ;f] z]o/ ljqmL u/L sDklgn] k|fKt u/]sf] /sd tyf hkmt ePsf] z]o/ jfkt /sd lkmtf{ u/]sf] eP ;f] sf] ljj/0f M

;f] gePsf] ª_ ljut cfly{s jif{df sDkgL / o;sf] ;xfos sDkgLsf] sf/f]jf/sf] k|utL / ;f] cfly{s jif{sf] cGtdf /x]sf]

l:ytLsf] k'g/fjnf]sg M

ljj/0f /sd

z]o/ k'+hL %!,))),))).–

lgIf]k ;+sng @(%,^(^,#*@.$#

shf{ nufgL !^&,((&,%)&.##

zfvf lj:tf/ # r_ sDkgL tyf To;sf] ;xfos sDkgLn] cfly{s jif{df ;DkGg u/]sf] k|d'v sf/f]jf/x? / ;f] cjlwdf sDkgLsf]

sf/f]jf/df cfPsf] s'g} dxTjk"0f{ kl/jt{g M

ljj/0f /sd

lgIf]k ;+sng @(%,^(^,#*@.$#

shf{ nufgL !^^,@##,#*$.^( 5_ ljut cfly{s jif{df sDkgLsf] cfwf/e't z]o/wgLx?n] sDkgLnfO{ pknJw u/fPsf] hfgsf/L

;f] gePsf] .

;w}+======tkfO{ ;“u

bf]>]f jflif{s k|ltj]bg @)^&÷)^* %

h_ ljut cfly{s jif{df sDkgLsf ;+rfns tyf kbflwsf/Lx?n] lnPsf] z]o/sf] :jfdLTjsf] ljj/0f sDkgLsf] z]o/ sf/f]jf/df lghx? ;+nUg /x]sf] eP ;f] ;DjGwdf lghx?af6 sDkgLn] k|fKt u/]sf] hfgsf/L M

l;=g+= ;+rfns tyf kbflwsf/Lx?sf] gfd kb Z]fo/ ;+Vof

!= /fh]Gb| s'df/ >]i7 cWoIf #%)))

@= lji0f' axfb'/ vqL ;+rfns @%)))

#= g/]z nfn >]i7 ;+rfns !))))

$= w|'j nfn >]i7 ;+rfns !)))

%= xl/ /fodfemL ;+rfns #%))

^= lgef 8+uf]n >]i7 ;+rfns !)))

z]o/ sf/f]jf/df lghx? ;+nUg g/x]sf] .

em_ ljut cfly{s jif{df sDkgL ;u+ ;DalGwt ;Demf}tfx?df s'g} ;+rfns tyf lghsf] gft]bf/sf] JolQmut :jfy{sf] af/]df pknJw u/fPsf] hfgsf/Lsf] Joxf]/f

;f] gePsf] .

`_ sDkgLn] cfkm\gf] z]o/ cfkm}n] vl/b u/]sf] eP To;/L cfkm\gf] 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'Qmfg u/]sf] /sd M

;f] gePsf] .

6_ cfGtl/s lgoGq0f k|0ffnL eP jf gePsf] / ePsf] eP ;f] sf] lj:t[t ljj/0f M

cfGtl/s n]vfkl/Ifsdf c?0f n'O6]n P08 Pzf]lzo6;nfO{ lgo'lQm ul/ cfGtl/s n]vfkl/If0f ug]{ ul/Psf] 5 . lghn] lbPsf] k|ltj]bg n]vf ;ldltdf 5nkmn u/L Joj:yfkgnfO{ ;'emfj tyf lgb]{zg lbg] ul/Psf] ;fy} ;+rfns ;ldltsf] a}7sdf ;d]t 5nkmn ug]{ u/LPsf] 5 .

7_ ljut cfly{s jif{sf] s'n Joj:yfkg vr{sf] ljj/0f M

l;=g+ ljj/0f /sd

! sd{rf/L vr{ %$,&%,@@^.(%

@ sfof{no ;~rfng vr{ &#,@#,%&#.$#

8_ n]vf kl/If0f ;ldltsf ;b:ox?sf] gfdfjnL lghx?n] k|fKt u/]sf] kfl/>lds eQf tyf ;'ljwf ;f] ;ldltn] u/]sf] sfd sf/jfxLsf] ljj/0f / ;f] ;ldltn] s'g} ;'emfj lbPsf] eP ;f] sf] ljj/0f M

l;=g+ ljj/0f ljj/0f kfl/>lds, eQf tyf ;'ljwfsf] /sd

! cfGtl/s n]vf kl/If0f ;ldlt

;+of]hs >L xl/ /fodfemL ;b:o >LdtL lgef 8+uf]n ->]i7_ ;b:o ;lrj >L hLjg >]i7

? !))).– ? !))).–

–

cf=j= )^&÷)^* df tLg k6s cfGtl/s n]vfkl/If0f ;ldltsf] a}7s a;L cfGtl/s n]vfkl/Ifs c?0f n'O6]n P08 Pzf]lzo6\;n] k|:t't u/]sf k|ltj]bg pk/ 5nkmn u/L ljleGg ;'emfjx? k|bfg ul/Psf] .

9_ ;+rfns, k|jGw ;+rfns, sfo{sf/L k|d'v, sDkgLsf cfwf/e't z]o/ wlg jf lghsf] glhssf gft]bf/ jf lgh ;+nUg /x]sf] kmd{ sDkgL jf ;+u7Lt ;+:yfn] sDkgLnfO{ s'g} /sd j'emfpg jf+sL /x] ;f] s'/f

;f] g/x]sf]

;w}+======tkfO{ ;“u

bf]>]f jflif{s k|ltj]bg @)^&÷)^*^

0f_ ;+rfns, k|jGw ;+rfns, sfo{sf/L k|d'v tyf kbflwsf/Lx?nfO{ e'QmfgL ul/Psf] kfl/>lds eQf tyf ;'ljwfsf] /sd

l;=g+ ljj/0f ljj/0f kfl/>lds, eQf tyf ;'ljwfsf] /sd

! ;~rfns ;ldlt cWoIf >L /fh]Gb|s'df/ >]i7 ;b:o >L lji0f'axfb'/ vqL ;b:o >L g/]znfn >]i7 ;b:o >L w'|jnfn >]i7 ;b:o >L xl/ /fodfemL ;b:o >LdtL lgef 8+uf]n >]i7

!^,))).– !%,))).– !%,))).– !^,))).– !&,))).– !@,%)).–

@ sfo{sf/L k|d'v >L ;~hLj k|wfg tna ;~rosf]if

!$,&),))).– !,@^,))).–

t_ z]o/wgLx?n] j'lemlng afFsL /x]sf] nfef+z /sd

;f] g/x]sf]

y_ bkmf !$! adf]lhd ;DklQ vl/b jf ljs|L u/]sf] s'/fsf] ljj/0f

;DklQ ;DalGw ljj/0f o;} ;fy ;+nUg ljQLo ljj/0fdf pNn]v ePsf] .

b_ bkmf !&% adf]lhd ;Dj4 sDkgL jLr ePsf] sf/f]jf/sf] ljj/0f

;f] g/x]sf]

w_ o; P]g tyf k|rlnt sfg'g adf]lhd ;+rfns ;ldltsf] k|ltj]bgdf v'nfpg' kg]{ cGo s'g} s'/f

;f] gePsf] .

g_ cGo cfjZos s'/fx?

;j} pNn]v ul/ ;s]sf] .

lgef 8+uf]n >]i7 xl/ /fofdfemL w'|jnfn >]i7 g/]z nfn >]i7

;~rfns ;~rfns ;~rfns ;~rfns

lji0f' axfb'/ vqL /fh]Gb| s'df/ >]i7 w'|j gf/fo0f sdf{rfo{

;~rfns cWoIf l8 Pg sdf{rfo{ P08 s+=

rf6{8 PsfpG6]G6

============================================== ============================================== ============================================= lgef 8+uf]n >]i7 xl/ /fodfemL w'|jnfn >]i7 ;~rfns ;~rfns ;~rfns

============================================== ============================================= ============================================== ============================================== g/]znfn >]i7 lji0f'axfb'/ vqL /fh]Gb|s'df/ >]i7 w'|j gf/fo0f sdf{rfo{ ;~rfns ;~rfns cWoIf l8 Pg sdf{rfo{ P08 s+= rf6{8 PsfpG6]G6;

;w}+======tkfO{ ;“u

bf]>]f jflif{s k|ltj]bg @)^&÷)^* &;w}+======tkfO{ ;“u

bf]>]f jflif{s k|ltj]bg @)^&÷)^** ;w}+======tkfO{ ;“u

k+"hL tyf bfloTj cg";'rL rfn" cf=j= ?= ut cf=j= ?=1= z]o/ k"+hL 4=1 51,000,000.00 51,000,000.00 2= hu]*f tyf sf]ifx? 4=2 (7,238,761.20) 619.00 3= C)fkq tyf a)* 4=3 - - 4= ltg{ af+sL shf{ ;fk^ 4=4 2,500,000.00 - 5= lgIf]k bfloTj 4=5 295,696,382.43 - 6= e'QmfgL lbg" kg]{ ljnx? 4=6 - - 7= k|:tfljt nfef+z - - 8= cfos/ bfloTj - 15,623.00 9= cGo bfloTj 4=7 1,499,489.37 761,901.00

s'n bfloTj 343,457,110.60 51,778,143.00

;DklQ cg";'rL rfn" cf=j= ?= ut cf=j= ?=1= gub df}Hbft 4=8 6,388,468.39 3,888,502.00 2= g]kfn /fi^« a}+sdf /x]sf] df}Hbft 4=9 990,018.04 2,550,000.00 3= a}s÷ljQLo ;+:yfdf /x]sf] df}Hbft 4=10 145,772,307.69 41,294,792.00 4= dfu tyf cNk ;"rgfdf k|fKt x"g] /sd 4=11 - - 5= nufgL 4=12 9,000,000.00 - 6= shf{ ;fk^ tyf ljn v/Lb 4=13 166,233,384.69 - 7= l:y/ ;DklQ 4=14 13,938,179.51 3,771,015.00 8= u}/ a}lsª\u ;DklQ 4=15 - - 9= cGo ;DklQ 4=16 1,134,752.28 273,834.00

s'n ;DklQ 343,457,110.60 51,778,143.00

cg";'rL;Defljt bfloTj 4=17;~rfnsx?sf] #f]if)ff 4=29k"+hLsf]if tflnsf 4=30hf]lvd efl/t ;DklQ ljj/)f tflnsf 4=30-s_k|d'v ;"rf+sx? 4=31k|d"v n]vf gLltx? 4=32

n]vf ;DaGwL l^Kk)fLx? 4=33

4=1 b]lv 4=17 ;Ddsf cg";'rLx? jf;nftsf cleGg c+u x"g .

l;Gw' ljsf; a}s lnld^]*2068 ;fn cfiff( d;fGtsf]

jf;nft

——————— —————— ———————;~hLj k|wfg lgef 8+uf]n >]i7 xl/ /fodfemL xfd|f] n]vfkl/If0f

k|ltj]bg cg';f/k|d'v sfo{sf/L clws[t ;~rfns ;~rfns

l;Gw' ljsf; a}+s lnld6]8

============================================== ============================================== ============================================== ;~hLj k|wfg lgef 8+uf]n >]i7 xl/ /fodfemL xfd|f] n]vfk/LIf0f k|ltj]bg cg';f/ k|d'v sfo{sf/L clws[t ;~rfns ;~rfns

============================================== ============================================== ============================================= ============================================== ============================================== w'|jnfn >]i7 g/]znfn >]i7 lji0f'axfb'/ vqL /fh]Gb|s'df/ >]i7 w'|j gf/fo0f sdf{rfo{ ;~rfns ;~rfns ;~rfns cWoIf l8 Pg sdf{rfo{ P08 s+= rf6{8 PsfpG6]G6;

bf]>]f jflif{s k|ltj]bg @)^&÷)^* (;w}+======tkfO{ ;“u

ljj/)f cg";'rL rfn" cf=j= ?= ut cf=j= ?=

1= Jofh cfDbfgL 4=18 21,706,135.31 1,436,852.00 2= Jofh vr{ 4=19 17,578,762.05 - v'b Jofh cfDbfgL 4,127,373.26 1,436,852.00 3= sldzg tyf l*:sfp)^ 4=20 323,964.96 - 4= cGo ;~rfng cfDbfgL 4=21 3,256,501.47 - 5= ;^xL #â( cfDbfgL 4=22 - - s'n ;~rfng cfDbfgL 7,707,839.69 1,436,852.00 6= sd{rf/L vr{ 4=23 5,475,226.95 346,500.00 7= cGo ;~rfng vr{ 4=24 7,323,573.43 1,089,468.00 8= ;^xL #â( gf]S;fg 4=22 - - ;Defljt gf]S;fgL Joj:yf cl#sf] ;~rfng d'gfkmf (5,090,960.69) 884.00 9= ;Defljt gf]S;fgL Joj:yfx? 4=25 1,764,122.64 - ;~rfng d'gfkmf (6,855,083.33) 884.00 10= u}/ ;+rfng cfDbfgL÷gf]S;fgL 4=26 - - 11= ;Defljt gf]S;fgL Joj:yf af^ lkmtf{ 4=27 - - lgoldt sf/]fjf/af^ ePsf] d'gfkmf (6,855,083.33) 884.00 12= c;fdfGo sf/f]jf/jf^ ePsf] d'gfkmf÷vr{ 4=28 - - ;Dk")f{ sf/f]jf/ ;dfj]z kl%sf] v'b d'gfkmf (6,855,083.33) 884.00 13= sd{rf/L jf]g; Joj:yf - - 14= cfos/ Joj:yf - 265.00 o; jif{sf] cfos/ Joj:yf - - ljut jif{ ;Ddsf] s/ Joj:yf vr{ - 265.00 o; jif{sf] :yug s/ cfDbfgL÷vr{ (384,296.87) -

v'b gfkmf÷gf]S;fg (7,239,380.20) 619.00

l;Gw' ljsf; a}s lnld^]*ldlt 2067 ;fn >fj)f 1 ut] b]lv 2068 ;fn cfiff( d;fGt ;Dd

gfkmf gf]S;fg lx;fa

4=18 b]lv 4=28 ;Ddsf cg";'lrx? Gffkmf gf]S;fg lx;fasf cleGg c+u x"g .




bf]>]f jflif{s k|ltj]bg @)^&÷)^*!) ;w}+======tkfO{ ;“u

bf]>]f jflif{s k|ltj]bg @)^&÷)^* !!

ljj/)f cg';"rL o; jif{ ?= Uft jif{ ?=cfDbfgL1= ut jif{;Ddsf] ;l~rt d"gfkmf 619.00 619.00 2= o; jif{sf] v"b d"gfkmf3= ;^xL #â( sf]if - -

hDdf 619.00 619.00 vr{1= ut jif{ ;Ddsf] ;+lrt gf]S;fg - - 2= o; jif{sf] gf]S;fg (7,239,380.20) - 3= ;fwf/)f hu]*fsf]if - 4= e}k/L cfpg] hu]*f - - 5= ;+:yf ljsf; sf]if - - 6= nfef+z ;dLs/)f sf]if - - 7= sd{rf/L ;DaGwL hu]*fx?8= k|:tfljt nfef+z *9= k|:tfljt af]g; z]o/10= ljz]if hu]*f sf]if 11= ;^xL #^j( sf]if - - 12= k+"hL lkmtf{ hu]*f sf]if - - 13= k+"hL ;dfof]hg sf]if - - 14= ljut jif{sf] :yug s/ -

hDdf (7,239,380.20) - ;l~rt d"gfkmf -gf]S;fg_ (7,238,761.20) 619.00

l;Gw' ljsf; a}s lnld^]*gfkmf gf]S;fg af+*kmF+* lx;fa

ldlt 2067 ;fn >fj)f 1 ut] b]lv 2068 ;fn cfiff( d;fGt ;Dd

l;Gw' ljsf; a}+s lnld6]8gfkmf gf]S;fg af+8kmf+8 lx;fa



;w}+======tkfO{ ;“u

bf]>]f jflif{s k|ltj]bg @)^&÷)^*!@

-?_

ljj/)f

z]o/ k"+hL

;l~rt gf=gf]

;fwf/)f

hu]*f sf]if

k'+lhut

hu]*f sf]if

z]o/

l k|ldlod

;^xL

#â(

sf]if

:yug

s/

hu]*f

cGo hu]*f

t yf sf]if

s'n /sd

z'? df}Hbf+t

5,10,00000.00

619.00

5,10,00619.00

:yug s/

;dfof]lht z'? Dff}Hbf+t

5,10,00000.00

619.00

51,000,619.00

;dfof]hg

;+rLt gf]S;fgL

(7,2

39,3

80.

20)

(7

,239

,380.

20)

:yug s/ bfloTj

clGtd df}Hbf+t

43,

761,

238.8

0

cf=j= 2067.068

l;Gw" ljsf; a}+s lnld^]*

OlSj^Ldf ePsf] kl/jt{g ;DalGw ljj/)fl;

Gw' lj

sf;

a}+s

lnld

6]8OlSj

6Ldf

ePs

f] kl/j

t{g ;

DalGw

ljj/

0fcf

=j= @)

^&÷)^

*

========

========

========

========

========

======

========

========

========

========

========

======

========

========

========

========

========

======

;~h

Lj k

|wfg

lgef 8+u

f]n >

]i7

xl/

/fod

femL

xfd|f] n]vfk/LIf0f k

|ltj]b

g cg';

f/ k|d

'v s

fo{sf/L clw

s[t

;~r

fns

;~r

fns

========

========

========

========

========

======

========

========

========

========

========

======

========

========

========

========

========

=====

========

========

========

========

========

======

========

========

========

========

========

======

w'|j

nfn

>]i7

g/

]znfn

>]i7

lj

i0f'a

xfb'/

vqL

/fh]Gb

|s'df/ >

]i7

w'|j g

f/fo

0f s

df{r

fo{

;~r

fns

;~r

fns

;~r

fns

cWo

If

l8 P

g sdf{r

fo{ P

08 s

+=

rf6

{8 Ps

fpG6

]G6;

;w}+======tkfO{ ;“u

bf]>]f jflif{s k|ltj]bg @)^&÷)^* !#

qm=;+= ljj/)f rfn" cf=j= ?= ut cf=j= ?=-s_ sf/f]jf/ ;~rfngaf^ gub k|jfx1= gub k|flKt 25,286,601.74 51000000.001=1 Aofh cfDbfgL 21,706,135.31 1436852.00

bL#{sflng nufgLdf Jofh cfDbfgL1=2 sldzg tyf l*isfpG^ cfDbfgL 323,964.96 1=3 ljb]zL ljlgdo sf/f]af/af^ cfDbfgL1=4 ckn]lvt shf{sf] c;"nL1=5 cGo cfDbfgL 3,256,501.47 2= gub e"QmfgL (30,377,562.43) 2=1 Jofh vr{ (17,578,762.05) 2=2 sd{rf/L vr{ (5,475,226.95) 2=3 sfof{no ;+rfng vr{ (7,323,573.43) (1,438,968.00) 2=4 cfos/ e"QmfgL 2=5 cGo vr{

sfo{ut k"+hL (Working Capital) ultljlw cl#sf] gub k|jfx (5,090,960.69) ;~rfng ;DjlGw rfn" ;DklQdf sdL÷-j[l¢ _ (168,858,425.61)

1= dfu tyf cNk ;"rgfdf k|fKt x"g] /sddf sdL÷-j[l¢_ 2= cGo cNksflng nufgLdf sdL÷-j[l¢_ 3= shf{ tyf ljN; vl/bdf sdL÷-j[l¢_ (167,997,507.33) 4= cGo ;Dkltdf sdL÷-j[l¢_ (860,918.28) (273,834.00)

;~rfng ;DjlGw rfn" bfloTjdf -sdL_÷j[l¢ 298,534,050.93 1= lgIf]k bfloTjdf -sdL_÷j[l¢ 295,696,382.43 2= ;l^{lkms]^ ckm l*kf]lh^df -sdL_÷j[l¢3= cNksflng ;fk^Ldf -sdL_÷j[l¢ 2,500,000.00 4= cGo bfloTjdf -sdL_÷j[l¢ 337,668.50 780259.00=-v_ nufgL sf/f]jf/df gub k|jfx (19,167,164.51) 1= bL#{sflng nufgLdf sdL÷-j[l¢_ (9,000,000.00) 2= :yL/ ;Dkltdf sld÷-j[l¢_ (10,167,164.51) (3,771,015.00) 3= bL#{sflng nufgLdf Jofh cfDbfgL 4= nfef+z cfDbfgL5= cGo-u_ ljQLo >f]t sf/f]jf/df gub k|jfx 1= bL#{sflng C)f -j)*, l*j]Gr/ cfbL_ df j[l¢÷-sdL_ 2= z]o/ k+"hLdf j[l¢÷-sdL_

z]o/ sn /sd -clu|d_3= cGo bfloTjdf j[l¢÷-sdL_ 4= g]kfn /fi^« a}+sjf^ k||fKt ;x"lnot÷k"g{/shf{df j[l¢÷-sdL_5= nfef+z e"QmfgL-#_ gub tyf a}+s df}Hbftsf] ljlgdo b/df ePsf] km/sjf^

cfDbfgL÷vr{ =-ª_ o; jif{sf] ;Dk')f{ ultljlwaf^ gub k|jfx 105,417,500.12 =-r_ gub tyf a}+sdf /x]sf] z"? df}Hbft 47,733,294.00 -%_ gub tyf a}+sdf /x]sf] clGtd df}Hbft 153,150,794.12 47733294.00

l;Gw' ljsf; a}s lnld^]*ldlt 2067 ;fn >fj)f 1 ut] b]lv 2068 ;fn cfiff( d;fGt ;Dd

gub k|jfx ljj/)f


;w}+======tkfO{ ;“u

bf]>]f jflif{s k|ltj]bg @)^&÷)^*!$

cg';"rL 4=1

o; jif{ ? ut jif{ ?=

1= z]o/ k"+hL

1=1 clws[t k"+hL 200,000,000.00 200000000.00 s_ 2000000 ;fwf/)f z]o/ k|ltz]o/ ? 100 n] 200,000,000.00

200000000.00 v_ ==========gg\ l/l*d]an lk|km/]G; z]o/ k|ltz]o/ ?========== n]

- - u_ ==========l/l*d]jn lk|km/]G; z]o/ k|lt z]o/ ?======n]

- - 1=2= hf/L k"+hL

100,000,000.00 100000000.00 s_ 100000 ;fwf/)f z]o/ k|ltz]o/ ? 100 n]

100,000,000.00 100000000.00 v_========== gg\l/l*d]jn lk|km/]G; z]o/ k|ltz]o/ ?====== n]

- - u_ ======== l/l*d]jn lk|km/]G; z]o/ k|lt z]o/ ?======n]

- - 1=3= r"Qmf k"+hL

51,000,000.00 51000000.00 s_ 51000 ;fwf/)f z]o/ k|ltz]o/ ? 100 n] 51,000,000.00

51000000.00 v_========= gg\ l/l*d]jn lk|km/]G; z]o/ k|ltz]o/ ? ======= n]

- - u_========= l/l*d]jn lk|km/]G; z]o/ k|ltz]o/ ? ======= n]

- - 1=4= k|:tfljt jf]g; z]o/

- 1=5= sN; O{g P*efG;

s'n hDdf 51,000,000.00 51000000.00

ljj/)f

l;Gw' ljsf; a}s lnld^]*z]o/ k"+hL tyf :jfldTj-2068 ;fn cfiff( d;fGt_

k|ltzt z]o/ k"+hL z]o/ k"+hL k|ltzt0.00 0.00

0.00 0.00 0.00 0.000.00 0.00 0.00 0.000.00 0.00 0.00 0.000.00 0.00 0.00 0.000.00 0.00 0.00 0.000.00 0.00 0.00 0.00

0.00 0.00 0.00hDdf 0.00 0.00 0.00 0.00

o; jif{ ?=

2_ a}b]lzs :jfldTj

1=2 Æsæ au{sf Ohfhtkqk|fKt ;+:yfx? 1=3 cGo Ohfhtkqk|fKt ;+:yfx? 1=4 cGo ;+:yfx? 1=5 ;j{;fwf/)f 1=6 cGo

ut jif{ ?=ljj/)f

1_ :jb]zL :jfldTj 1=1 g]kfn ;/sf/

l;Gw' ljsf; a}+s lnld6]8z]o/ k'+hL tyf :jfldTj-@)^* ;fn cfiff9 d;fGt_

;w}+======tkfO{ ;“u

bf]>]f jflif{s k|ltj]bg @)^&÷)^* !%

qm=;+ z]o/wgL÷l8a]Gr/jfnfsf] gfd / 7]ufgf z]o/ ;+Vof nufgL /sd z]o/ k|ltzt

1 /fh]Gb| s'df/ >]i7, df+vf –!, l;Gw'kfNrf]s 35000 3500000 6.86 2 lai0f' axfb'/ vqL, uflt –!, l;Gw'kfNrf]s 25000 2500000 4.90 3 ;'/h >]i7, 7'nf]kfv/ –%, l;Gw'kfNrf]s 16000 1600000 3.14 4 lzj/fd >]i7, af;af/L –&, l;Gw'kfNrf]s 15000 1500000 2.94 5 km'Nd' z]kf{, uflt –&, l;Gw'kfNrf]s 10000 1000000 1.96 6 hgs s'df/ >]i7, :ofpn] –@, l;Gw'kfNrf]s 10000 1000000 1.96 7 cd[t v8sf, tftf]kfgL –!, l;Gw'kfNrf]s 10000 1000000 1.96 8 b'uf{ axfb'/ >]i7, df+vf –!, l;Gw'kfNrf]s 10000 1000000 1.96 9 gL/a e08f/L -9'Ë]n_, s6'Gh] –@, eQmk'/ 10000 1000000 1.96 10 a]bnfn >]i7, km'lNkª8f8f –&, l;Gw'kfNrf]s 10000 1000000 1.96 11 t]lGhª z]kf{, sf]bf/L –#, l;Gw'kfNrf]s 10000 1000000 1.96 12 g/]z nfn >]i7, afx|la;] –*, l;Gw'kfNrf]s 10000 1000000 1.96 13 ;fª bf]h{] z]kf{, km'lNkªs§L –@, l;Gw'kfNrf]s 10000 1000000 1.96 14 pdf nIdL >]i7, afx|la;] –*, l;Gw'kfNrf]s 10000 1000000 1.96 15 a]b axfb'/ >]i7, tftf]kfgL–!, l;Gw'kfNrf[s 10000 1000000 1.96 16 rGb| axfb'/ z]kf{, tftf]kfgL $ 10000 1000000 1.96 17 /fd xl/ yfkf, w'Dyfª –&, l;Gw'kfNrf]s 7000 700000 1.37 18 s]bf/ If]qL, df+vf ^ l;Gw'kfNrf]s 7000 700000 1.37 19 lau]Gb| nfn >]i7,led;]g:yfg sf7df08f} 6000 600000 1.18 20 ;+ho s'df/ >]i7, afx|la;] –*, l;Gw'kfNrf]s 6000 600000 1.18 21 lji0f' axfb'/ >]i7, tftf]kfgL –$, l;Gw'kfNrf]s 5000 500000 0.98 22 af;'b]j >]i7, afx|la;] –(, l;Gw'kfNrf]s 5000 500000 0.98 23 OGb| nfn >]i7, 6]sgfk'/ –!, l;Gw'kfNrf]s 5000 500000 0.98 24 Zofd axfb'/ nfdf, euatL –&, sfe|] 5000 500000 0.98 25 s]zj /fh ef/tL, sbdaf; –#, l;Gw'kfNrf]s 5000 500000 0.98 26 lhjg a:g]t, led]Zj/ –!!, bf]nvf 5000 500000 0.98 27 lg/h /fO{, jf;]lª y]k'{ –!, ef]hk'/ 5000 500000 0.98 28 hf]g;g ;fv, afx|la;] –(, l;Gw'kfNrf]s 5000 500000 0.98 29 dgf]x/ s[i0f >]i7, :joDe', sf7df08f} 5000 500000 0.98 30 an/fd >]i7, tftf]kfgL –$, l;Gw'kfNrf]s 5000 500000 0.98 31 Zofd s[i0f >]i7, rf}tf/f –#, l;Gw'kfNrf]s 5000 500000 0.98 32 /fh]z s'df/ >]i7, afx|la;] –(, l;Gw'kfNrf]s 5000 500000 0.98 33 aRr' kf}8]n, km'lNkªs§L –!, l;Gw'kfNrf]s 5000 500000 0.98 34 sdn s'df/ >]i7, km'lNkªs§L –!, l;Gw'kfNrf]s 5000 500000 0.98 35 ab|L yfkf, /fDr] –&, l;Gw'kfNrf]s 5000 500000 0.98 36 g/ xfË /fO{, cGgk'0f{ – !, ef]hk'/ 5000 500000 0.98 37 s'df/ >]i7, af}4 –^, sf7df08f} 5000 500000 0.98 38 k|tfk vqL, uftL !, l;Gw'kfNrf]s 5000 500000 0.98 39 /Tg ;'Gb/ ;fv' af¥xlj;], l;Gw'kfNrf]s 5000 500000 0.98 40 xl/ axfb'/ /fodfemL, xl/jg, ;nf{xL 3500 350000 0.69 41 sdn axfb'/ >]i7, afx|la;] –!, l;Gw'kfNrf]s 3000 300000 0.59 42 OGb|s'df/ >]i7, tf}ynL –^, l;Gw'kfNrf]s 3000 300000 0.59

l;Gw" ljsf; a}+s lnld^]*z]o/ k"+hL tyf :jfldTj

0=5 % jf ;f] eGbf a(L z]o/ lng] z]o/wgLx?sf] ljj/)f

l;Gw' ljsf; a}+s lnld6]8z]o/ k'+hL tyf :jfldTj

;w}+======tkfO{ ;“u

bf]>]f jflif{s k|ltj]bg @)^&÷)^*!^

ljj/)f o; jif{ ?= ut jif{ ?=1= ;fwf/)f÷a}wflgs hu]*f sf]if 619.00 619.002= k"+hLut hu]*f sf]if3= k'hL lkmtf{ hu]*f sf]if Soflk^n l/l*Dk;g\ l/he{4= k"+hL ;dfof]hg sf]if5= cGo hu]*f tyf sf]if 5=1= e}k/L cfpg] hu]*f 5=2= ;:yf ljsf; sf]if 5=3= nfef+z ;lds/)f sf]if 5=4= ljz]if hu]*f sf]if«««« 5=5 ;DklQ k'gd"{Nofªs\g sf]if 5=6= :yug s/ hu]*f 5=7= cGo :jtGq sf]if 5=8= cGo hu]*f sf]if6= ;+l~rt gfkmf÷gf]S;fg (7,239,380.20) 7= ;^xL #â( sf]if

hDdf (7,238,761.20) 619.00

ljj/)f o; jif{ ?= ut jif{ ?=1 ======================== 0.00 0.00

=======k|ltzt j)*÷C)fkq k|lt j)* ÷C)f kq =====?====n] ldlt ============ df hf/L ePsf] / ldlt ====== df r"Stf x"g] -xfn ;Ddsf] Redemption Reserve /sd ?= ====================_ 0.00 0.00=======k|ltzt j)*÷C)fkq k|lt j)* ÷C)f kq =====?====n] ldlt ============ df hf/L ePsf] / ldlt ====== df r"Stf x"g] -xfn ;Ddsf] Redemption Reserve /sd ?= ====================_3================= 0.00 0.00

hDdf -1+2+3_ 0.00 0.00

ljj/)f o; jif{ ? = ut jif{ ? =s= :jb]zL 1= g]kfn ;/sf/ 2= g]kfn /fi «̂ a}+s 3= l/kf] bfloTj 4= cGt/ a}+s tyf ljQLo ;+:yf 2500000.00 5= cGo ;+ul&t ;+:yfx? 6= cGo

hDdf 2500000.00v= ljb]zL 1= a}s+x? 2 cGo

hDdfhDdf -s + v_ 2500000.00

l;Gw' ljsf; a}s lnld^]*ltg{ af+sL shf{ -;fk^L_-2068 ;fn cfiff( d;fGt_

l;Gw' ljsf; a}s lnld^]*hu]*f tyf sf]ifx?

-2068 ;fn cfiff( d;fGt_

l;Gw' ljsf; a}s lnld^]*C)fkq tyf j)*


cg';"rL 4=2

cg';"rL 4=3

cg';"rL 4=4


hDdf (7,238,761.20) 619.00

ljj/)f o; jif{ ?= ut jif{ ?=1 ======================== 0.00 0.00


hDdf -1+2+3_ 0.00 0.00



hDdfhDdf -s + v_ 2500000.00






cg';"rL 4=2

cg';"rL 4=3

cg';"rL 4=4


hDdf (7,238,761.20) 619.00

ljj/)f o; jif{ ?= ut jif{ ?=1 ======================== 0.00 0.00


hDdf -1+2+3_ 0.00 0.00



hDdfhDdf -s + v_ 2500000.00






cg';"rL 4=2

cg';"rL 4=3

cg';"rL 4=4

l;Gw' ljsf; a}+s lnld6]8hu]8f tyf sf]ifx?

-@)^* ;fn cfiff9 d;fGt_

l;Gw' ljsf; a}+s lnld6]8C0fkq tyf j08


l;Gw' ljsf; a}+s lnld6]8ltg{ af+sL shf{ -;fk6L_-@)^* ;fn cfiff9 d;fGt_

cg';"rL $=@

cg';"rL $=#

cg';"rL $=#

;w}+======tkfO{ ;“u

bf]>]f jflif{s k|ltj]bg @)^&÷)^* !&

cg";'rL 4=5ljj/)f o; jif{ ?= ut jif{ ?=

1= Jofh ltg"{ gkg]{ vftfx?

s= rNtL lx;fa 16,909,681.64

1= :jb]zL d"b|fdf

1=1 g]kfn ;/sf/

1=2 s ju{sf Ohfhtkq k|fKt ;+:yfx?

1=3 cGo Ohfht kq ljQLo ;+:yfx?

1=4 cGo ;+ul&t ;+:yfx? 2,790,512.45

1=5 JolQmut 7,673,796.92

1=6 cGo 6,445,372.272= ljb]zL d"b|fdf

2=1 g]kfn ;/sf/

2=2 s ju{sf Ohfhtkq k|fKt ;+:yfx?

2=3 cGo Ohfht kq ljQLo ;+:yfx?

2=4 cGo ;+ul&t ;+:yfx?

2=5 JolQmut

2=6 cGo

v= dflh{g 485,000.00 -

1= sd{rf/L hdfgt

2= hdfgt dflh{g 485,000.00

3= k|lttkq dflh{g

u= cGo - -

1= :jb]zL d"b|fdf

1=1 ljQLo ;+:yfx?


1=3 JolQmut

2= ljb]zL d"b|fdf

2=1 ljQLo ;+:yfx?


2=3 JolQmut

Jofh ltg"{ gkg]{ vftfx?sf] hDdf 17,394,681.64 -

l;Gw' ljsf; a}s lnld^]*lgIf]k lx;fa


l;Gw' ljsf; a}+s lnld6]8lgIf]k lx;fa


;w}+======tkfO{ ;“u

bf]>]f jflif{s k|ltj]bg @)^&÷)^*!*

ljj/)f o; jif{ ?= ut jif{ ?=

2= Jofh ltg"{ kg]{ vftfx?

s= art lx;fa 137,828,387.82 1= :jb]zL d"b|fdf

1=1 ;+# ;:YFFx?

1=2 JolQmut 137,828,387.82 1=3 cGo -

2= lab]zL d"b|fdf

2=1 ;+# ;+:yfx? - - 2=2 JolQmut - - 2=3 cGo - -

v= d"@tL d"b|fdf 59,573,586.00 - 1= :jb]zL d"b|fdf

1=1 ;+# ;+:yfx? 30,000,000.00 1=2 JolQmut 29,573,586.00 1=3 cGo - -

2= lab]zL d"b|fdf

2=1 ;+# ;+:yfx? - - 2=2 JolQmut - - 2=3 cGo - -

u= dfu]sf] avt ltg"{kg]{ lx;fa 80,899,726.97 -

1= :jb]zL d"b|fdf

1=1 s ju{sf Ohfhtkq k|fKt ;+:yfx? - - 1=2 cGo O k|f ljQLo ;+:yfx? 9,836,883.73 - 1=3 cGo ;+ul&t ;+:yfx? 49,500,298.29 1=4 JolQmut 21,085,538.39 1=5 cGo 477,006.56 -

2= lab]zL d"b|fdf

2=1 s ju{sf Ohfhtkq k|fKt ;+yfx? - - 2=2 cGo O k|f ljQLo ;+yfx? - - 2=3 cGo ;+ul&t ;+:yfx? - - 2=4 JolQmut - - 2=5 cGo - -

3 ;l^{lkms]^ ckm l*kf]lh^ - -

1= ;+ul&t ;+:yfx? - - 2= JolQmut - - 3= cGo - -

Jofh ltg"{kg]{ vftfx?sf] hDdf 278,301,700.79 -

-1 / 2_ hDdf lgIf]k 295,696,382.43 -

;w}+======tkfO{ ;“u

bf]>]f jflif{s k|ltj]bg @)^&÷)^* !(

cg";'rL 4=6ljj/)f o; jif{ ? = ut jif{ ?=

1= :jb]zL d"b|f - - 2= ljb]zL d"b|f - - hDdf - -


1= k]G;g÷pkbfg sf]if -Joj:yf_ - - 2= sd{rf/L ;~ro sf]if - 63,000.00 3= sd{rf/L sNof)f sf]if - -

4 sd{rf/L jf]g; Joj:yf - -

5= lgIf]kdf e"QmfgL lbg af+sL Jofh - -

6= ;fk^df e"QmfgL lbg af+sL Jofh - -

7= kfsL g;s]sf] l*:sfpG^ / sldzg - - 8= ;)*«L qm]l*^;{ 363,939.00 698,901.00

9= zfvf ldnfg lx;fa - - 10= :yug s/ bfloTj 384,296.87 - 11= e"QmfgL lbg af+sL nfef+; - - 12= cGo 751,253.50 - hDdf 1,499,489.37 761,901.00

cg";'rL 4=8ljj/)f o; jif{ ? Uft jif{ ?

1= :jb]zL d"b|f -l;Ssf ;d]t\_ 6,208,616.00 3,888,502.00

2= ljb]zL d"b|f 179,852.39

hDdf 6,388,468.39 3,888,502.00

l;Gw' ljsf; a}s lnld^]*cGo bfloTj tyf Joj:yfx?-2068 ;fn cfiff( d;fGt_

l;Gw" ljsf; a}sgub df}Hbft


l;Gw" ljsf; a}se"QmfgL lbg" kg]{ ljnx?












1= :jb]zL d"b|f -l;Ssf ;d]t\_ 6,208,616.00 3,888,502.00

2= ljb]zL d"b|f 179,852.39

hDdf 6,388,468.39 3,888,502.00
















1= :jb]zL d"b|f -l;Ssf ;d]t\_ 6,208,616.00 3,888,502.00

2= ljb]zL d"b|f 179,852.39

hDdf 6,388,468.39 3,888,502.00






l;Gw' ljsf; a}+s lnld6]8e'QmfgL lbg' kg]{ lanx?-@)^* ;fn cfiff9 d;fGt_

l;Gw' ljsf; a}+s lnld6]8cGo bfloTj tyf Joj:yfx?


l;Gw' ljsf; a}+s lnld6]8gub df}Hbft


;w}+======tkfO{ ;“u

bf]>]f jflif{s k|ltj]bg @)^&÷)^*@)

cg";'rL 4=9

s'n ?= ef= ?= kl/jTo{ lj=d'= hDdf

1 g]kfn /fi^« a}+s 990,018.04 0.00 0.00 0.00 990,018.04 2,550,000.00s= rNtL vftf 990,018.04 0.00 0.00 0.00 990,018.04 2,550,000.00v= cGo vftf 0.00 0.00 0.00 0.00 0.00 0.00

cg";'rL 4=10s'n ?

ef= ?= kl/jTo{ lj=d'= hDdf1 :jb]zL Ohfhtk|fKt ;+:yfx? s= rNtL vftf 12,800,000.00 0.00 0.00 0.00 12,800,000.00 41,294,792.00v= cGo vftf 132,972,307.69 0.00 0.00 0.00 132,972,307.69 0.00

2 ljb]zL a}+sx?s= rNtL vftf 0.00 0.00 0.00 0.00 0.00 0.00v= cGo vftf 0.00 0.00 0.00 0.00 0.00 0.00

hDdf 145,772,307.69 0.00 0.00 0.00 145,772,307.69 41,294,792.00

gf]^ M ;DalGwt Ohfhtkq k|fKt ;+:yfx?sf] ;dy{g kq cg";f/sf] s'n df}Hbft ? 145772307.69

ljj/)f :jb]zL d"b|fljb]zL d"b|f ?= df

ut aif{ ?

ut aif{ ?ljj/)f :jb]zL d"b|fljb]zL d"b|f ? df

l;Gw' ljsf; a}s lnld^]*g]kfn /fi^« a}sdf /x]sf] df}Hbft-2068 ;fn cfiff( d;fGt_

l;Gw' ljsf; a}s lnld^]*a}+s÷ljQLo ;+:yfdf /x]sf] df}Hbft-2068 ;fn cfiff( d;fGt_

cg";'rL 4=9

s'n ?= ef= ?= kl/jTo{ lj=d'= hDdf

1 g]kfn /fi^« a}+s 990,018.04 0.00 0.00 0.00 990,018.04 2,550,000.00s= rNtL vftf 990,018.04 0.00 0.00 0.00 990,018.04 2,550,000.00v= cGo vftf 0.00 0.00 0.00 0.00 0.00 0.00

cg";'rL 4=10s'n ?

ef= ?= kl/jTo{ lj=d'= hDdf1 :jb]zL Ohfhtk|fKt ;+:yfx? s= rNtL vftf 12,800,000.00 0.00 0.00 0.00 12,800,000.00 41,294,792.00v= cGo vftf 132,972,307.69 0.00 0.00 0.00 132,972,307.69 0.00

2 ljb]zL a}+sx?s= rNtL vftf 0.00 0.00 0.00 0.00 0.00 0.00v= cGo vftf 0.00 0.00 0.00 0.00 0.00 0.00

hDdf 145,772,307.69 0.00 0.00 0.00 145,772,307.69 41,294,792.00

gf]^ M ;DalGwt Ohfhtkq k|fKt ;+:yfx?sf] ;dy{g kq cg";f/sf] s'n df}Hbft ? 145772307.69

ljj/)f :jb]zL d"b|fljb]zL d"b|f ?= df

ut aif{ ?

ut aif{ ?ljj/)f :jb]zL d"b|fljb]zL d"b|f ? df

l;Gw' ljsf; a}s lnld^]*g]kfn /fi^« a}sdf /x]sf] df}Hbft-2068 ;fn cfiff( d;fGt_

l;Gw' ljsf; a}s lnld^]*a}+s÷ljQLo ;+:yfdf /x]sf] df}Hbft-2068 ;fn cfiff( d;fGt_

cg";'rL 4=11ljj/)f o; jif{ ? ut jif{ ? =

1= :jb]zL d"b|f 2= ljb]zL d"b|f

hDdf

l;Gw' ljsf; a}s lnld^]*dfu tyf cNk;"rgfdf k|fKt x"g] /sdx?


l;Gw' ljsf; a}+s lnld6]8g]kfn /fi6« a}+sdf /x]sf] df}Hbft


l;Gw' ljsf; a}+s lnld6]8a}+s÷ljQLo ;+:yfdf /x]sf] df}Hbft


l;Gw' ljsf; a}+s lnld6]8dfu tyf cNk;'rgfdf k|fKt x'g] /sdx?


;w}+======tkfO{ ;“u

bf]>]f jflif{s k|ltj]bg @)^&÷)^* @!

cg";'rL 4=12o; ut

Jofkfl/s cGo jif{ ? jif{ ?= 1= g]kfn ;/sf/sf] ^«\]h/L ljn - - - - 2= g]kfn ;/sf/sf] jrt kq - - - 3= g]kfn ;/sf/sf] cGo C)fkq - - - - 4= g]kfn /fi^« a}+s C)fkq - - - 5= ljb]zL C)fkq - - - - 6= :jb]zL Ohfhtkq k|fKt ;+:yf - - - - 7= ljb]zL a}+s - - - - 8= ;+ul&t ;+:yfx?sf] z]o/ - - - - 9= ;+ul&t ;+:yfx?sf] l*j]Gr/ tyf aG* - - - - 10= cGo nufgL - 9,000,000.00 9,000,000.00 -

s'n nufgL - 9,000,000.00 9,000,000.00 - Joj:yf - - - -

v"b nufgL - 9,000,000.00 9,000,000.00 -

k|of]hg

nufgL-2068 ;fn cfiff( d;fGt_

l;Gw' ljsf; a}s lnld^]*

ljj/)f

cg";'rL 4=12 -s_k/n d'No ahf/ d'No Joj:yf o; ut

? cg";f/ /sd jif{ ?= jif{ ?=1= z]o/ nufgL 0.00 0.00 0.00 0.00 1=1 ==================sDkgL sDkgL -ln_ =========== ;fwf/)f z]o/ k|ltz]o/ ==== n] r"Qmf 1=2 ========================== sDkgL -ln_ ============= ;fwf/)f z]o/ k|ltz]o/ ====== n] r"Qmf 1=3 =====================sDkgL -ln_ ====== ;fwf/)f z]o/ k|ltz]o/ ? ======= n] r"Qmf 1=4========= sDkgL -k|f=ln÷ln_ =========k|ltzt ======= lk|km/]G; z]o/ k|lt z]o/ ? ======n] r"Qmf

2= l*j]Gr/ tyf jG* nufgL 0.00 0.00 0.00 2=1 ======sDkgL- k|f= ln÷ln_ === k|ltzt l*j]Gr/÷jG* k|lt l*j]Gr/÷aG* ====== ? n] 2=2 ================================================= 2=3 =================================================

s'n nufgL 0.00 0.00 0.00 3= hf]lvd ;DjGwL Joj:yf 3=1 ut aif{ ;Ddsf Joj:yf 3=2 o; jif{sf] yk÷#^

s'n Joj:yf 0.00 0.00 0.00cGo nufgL

v'b nufgL 0.00 0.00 0.00

ljj/)f

l;Gw' ljsf; a}s lnld^]*z]o/, l*a]Gr/ nufgL tyf aG*df nufgL


l;Gw' ljsf; a}+s lnld6]8nufgL


l;Gw' ljsf; a}+s lnld6]8z]o/, l8a]Gr/ nufgL tyf a08df nufgL


;w}+======tkfO{ ;“u

bf]>]f jflif{s k|ltj]bg @)^&÷)^*@@

/sd -v+s_ /sd1= g]kfn ;/sf/sf] ^«]««h/L ljn2= g]kfn ;/sf/sf] artkq3= g]kfn ;/sf/sf] cGo C)fkq4= g]=/f= a}+s C)fkq5= ljb]zL C)fkq6= :jb]zL Ohfhtkqk|fKt ;+:yfsf] z]o/7= :jb]zL Ohfhtkqk|fKt ;+:yfsf] l*j]Gr/ tyf a)*8= :jb]zL ;+ul&t ;+:yfsf] z]o/ l*j]Gr/ tyf a)*9= ljb]zL a}+s nufgL (Placement)10= Interbank Lending11= cGo nufgLs'n nufgL 0 0 0 0 0

1= g]kfn ;/sf/sf] ^«««]h/L ljn2= g]kfn ;/sf/sf] artkq3= g]kfn ;/sf/sf] cGo C)fkq4= g]=/f= a}+s C)fkq5= ljb]zL C)fkq6= :jb]zL Ohfhtkqk|fKt ;+:yfsf] z]o/7= :jb]zL Ohfhtkqk|fKt ;+:yfsf] l*j]Gr/ tyf a)*8= :jb]zL ;+ul&t ;+:yfsf] z]o/ l*j]Gr/ tyf a)*9= ljb]zL a}+s nufgL (Placement)10= cGo nufgLs'n nufgL - - - - -

1= g]kfn ;/sf/sf] ^«««]h/L ljn2= g]kfn ;/sf/sf] artkq3= g]kfn ;/sf/sf] cGo C)fkq4= g]=/f= a}+s C)fkq5= ljb]zL C)fkq6= :jb]zL Ohfhtkqk|fKt ;+:yfsf] z]o/7= :jb]zL Ohfhtkqk|fKt ;+:yfsf] l*j]Gr/ tyf a)*8= :jb]zL ;+ul&t ;+:yfsf] z]o/ l*j]Gr/ tyf a)*9= ljb]zL a}+s nufgL (Placement)10= cGo nufgLs'n nufgL 0 0 0 0 0

s}lkmotljj/)fk/n

d'No

kl%Nnf] ahf/ d'No

-s_

xfnsf] ahf/ d'No

-v_

o; jif{ sf]if ;dfof]hg /sd

-v-s_

ut jif{ gfkmf / -gf]S;fg_ /sd


g]=/f=a}+= lgb]{zg 4=12=3laqmLsf] nflu pknAw nufgL -Available for Sale)


g]=/f=a}+= lgb]{zg 4=12=2e"QmfgL ldlt;Dd wf/)f ug]{ -Held to Maturity)


ljj/)fk/n d'No -s_

xfn;Ddsf] Iflt /sd -v_

o;jif{sf] Iflt /sd -u_

o; jif{ gfkmf / -gf]S;fg_ /sd -s-v-u_


s}lkmot

o; jif{ gfkmf / -gf]S;fg_

ut jif{ gfkmf / -gf]S;fg_

s}lkmot


ljj/)f k/n d'No


g]=/f=a}+= lgb]{zg 4=12=1Jofkfl/s nufgL -Held for Trading)-2068 ;fn cfiff( d;fGt_

kl%Nnf] ahf/ d'No

-s_

xfnsf] ahf/ d'No

-v_/sd -v+s_ /sd

1= g]kfn ;/sf/sf] ^«]««h/L ljn2= g]kfn ;/sf/sf] artkq3= g]kfn ;/sf/sf] cGo C)fkq4= g]=/f= a}+s C)fkq5= ljb]zL C)fkq6= :jb]zL Ohfhtkqk|fKt ;+:yfsf] z]o/7= :jb]zL Ohfhtkqk|fKt ;+:yfsf] l*j]Gr/ tyf a)*8= :jb]zL ;+ul&t ;+:yfsf] z]o/ l*j]Gr/ tyf a)*9= ljb]zL a}+s nufgL (Placement)10= Interbank Lending11= cGo nufgLs'n nufgL 0 0 0 0 0



s}lkmotljj/)fk/n

d'No

kl%Nnf] ahf/ d'No

-s_

xfnsf] ahf/ d'No

-v_


-v-s_







ljj/)fk/n d'No -s_





s}lkmot



s}lkmot


ljj/)f k/n d'No



kl%Nnf] ahf/ d'No

-s_

xfnsf] ahf/ d'No

-v_/sd -v+s_ /sd

1= g]kfn ;/sf/sf] ^«]««h/L ljn2= g]kfn ;/sf/sf] artkq3= g]kfn ;/sf/sf] cGo C)fkq4= g]=/f= a}+s C)fkq5= ljb]zL C)fkq6= :jb]zL Ohfhtkqk|fKt ;+:yfsf] z]o/7= :jb]zL Ohfhtkqk|fKt ;+:yfsf] l*j]Gr/ tyf a)*8= :jb]zL ;+ul&t ;+:yfsf] z]o/ l*j]Gr/ tyf a)*9= ljb]zL a}+s nufgL (Placement)10= Interbank Lending11= cGo nufgLs'n nufgL 0 0 0 0 0



s}lkmotljj/)fk/n

d'No

kl%Nnf] ahf/ d'No

-s_

xfnsf] ahf/ d'No

-v_


-v-s_







ljj/)fk/n d'No -s_





s}lkmot



s}lkmot


ljj/)f k/n d'No



kl%Nnf] ahf/ d'No

-s_

xfnsf] ahf/ d'No

-v_

l;Gw' ljsf; a}+s lnld6]8Jofkfl/s nufgL (Held for Trading)


l;Gw' ljsf; a}+s lnld6]8e'QmfgL ldlt;Dd wf/0f ug]{ (Held for Maturity)


l;Gw' ljsf; a}+s lnld6]8laqmLsf] nflu pknAw nufgL (Available for Sale)


g]=/f=a}+= lgb]{zg $=!@=!

g]=/f=a}+= lgb]{zg $=!@=@

g]=/f=a}+= lgb]{zg $=!@=#

;w}+======tkfO{ ;“u

bf]>]f jflif{s k|ltj]bg @)^&÷)^* @#

cg";'rL 4=13

cGo

ljb]zL

hDdf

:jb]zLljb]zLhDdf

o; jif{ ?

ut jif{

ljldt

cljldt

1 ;lqmo shf{ ;fk^

(Per

form

ing)

-

167,

997,

507.

33-

167,

997,

507.

33-

167,

997,

507.

33-

1=1 c;n

167,

997,

507.

33-

167,

997,

507.

33-

167,

997,

507.

33 1=2 c;nsf ] k'g{;+/rgf ul/Psf]

-

- -

--

-

2 lgl:qmo shf{ ;fk^

(Non

Per

form

ing)

-

-

- -

--

-

2=1 sd;n

- -

--

2=2 zsf:kb

- -

--

2=3 v/fj

- -

--

-s_ s'n shf{

-

167,

997,

507.

33-

167,

997,

507.

33-

167,

997,

507.

33-

3 shf{ gf]S;fgL Joj:yf

3=1 c;n

-

1,76

4,1

22.6

4

- 1,

764,1

22.6

4

-1,

764,1

22.6

4

3=2 k'g{;/rgf ul/Psf]

-

- -

--

3=3 sd;n

-

- -

--

3=4 zsf:kb

-

- -

--

3=5 v/fj

-

- -

--

- v_ s'n Joj:yf

-

1,76

4,1

22.6

4

- 1,

764,1

22.6

4

-1,

764,1

22.6

4

-

4 ut jif{;Ddsf] Joj:yf

4=1 c;n

-

- -

--

4=2 k'g{;/rgf ul/Psf]

-

- -

--

4=3 sd;n

-

- -

--

4=4 zsf:kb

-

- -

--

4=5 v/fj

-

- -

--

-u_ ut aif { ;Ddsf] s'n Joj:yf

-

-

- -

--

-

-#_ utjif{sf] Joj:yfaf^ lkmtf{

-

-ª_ o; jif {sf] yk Joj:yf

-

1,76

4,1

22.6

4

- 1,

764,1

22.6

4

-1,

764,1

22.6

4

o; jif {sf] v'b #â(

-

1,76

4,1

22.6

4

- 1,

764,1

22.6

4

-1,

764,1

22.6

4

-

v'b shf{ -s

- v_

-

166,

233,

384.6

9-

166,

233,

384.6

9-

166,

233,

384.6

9-

ljj/)f

shf{

v/Lb tyf l*:sfpG^

kf= If]=

ul/Psf ljN;


shf{, ;fk^, tyf laN; vl/b juL{s/)f / ;f]sf] nflu Joj:yf


:jb]zL

l;Gw

' ljs

f; a

}+s ln

ld6]8

shf{,

;fk6

tyf

laN;

vl/b

jlu{s

/0f /

;f]sf] nf

lu Joj

:yf

-@)^

* ;

fn c

fiff9 d

;fGt

_

;w}+======tkfO{ ;“u

bf]>]f jflif{s k|ltj]bg @)^&÷)^*@$

ljj/)f o; jif{ ?= ut jif{ ?=s ;"/lIft 1 rn÷crn ;DkQLsf] ;"/If)fdf 167,103,768.26 2 :jb]zL Ohfht k|fKt ;+:yfsf] hdfgtdf 3 ;/sf/L hdfgt 4 cGt/f{li^«o >])fLs[t a}+ssf] hdfgtdf 5 lgof{t sfuhft (Export Document) sf] ;"/If)fdf 6 d"@tL /l;bsf] ;"/If)fdf s_ ;+:yfsf] cfkm\g} d"@tL /;Lbsf] ;"/If)fdf 468,739.07 v_ cGo Ohfht kq k|fKt ;+:yfsf] d"@tL /;Lbsf] ;"/If)fdf 7 ;/sf/L C)fkqsf] ;"/If)fdf 8 sfpG^/ hdfgtdf 9 JolQmut hdfgtdf 425,000.00 10 cGo ;"/If)fdf -z]o/_v c;"/lIft

hDdf 167,997,507.33


l;Gw' ljsf; a}s lnld^]*shf{ ;fk^ tyf ljN; v/Lbsf] ;"/If)f

l;Gw' ljsf; a}+s lnld6]8shf{ ;fk6 tyf laN; vl/bsf] ;'/If0f


;w}+======tkfO{ ;“u

bf]>]f jflif{s k|ltj]bg @)^&÷)^* @%

cg";'rL 4=14

ejg

kl/jxg ;fwg

sDKo"^/ tyf

d]lzg/L

sfof{no ;fdfg

cGo

1= k/n df]n

-s_ ut jif{sf] df}Hbft

0.00

-

-

-v_ o; jif{ yk

1,495

,367

.02

2,879

,488.6

6

11,4

06,6

09.2

5

15,7

81,

464

.93

3771015.00

-u_ o; jif{ k'gd"{Nofs+g÷k'gn]{vg

-

-

-

-

-

-

-#_ o; jif{sf] laqmL

-

-

-

-

-

-ª_ o; jif{sf] ckn]vg

-

-

-

-

-

-

0.00

s'n k/n df]n

- -

1,

495

,367

.02

2,879

,488.6

6

11,4

06,6

09.2

5

15,7

81,

464

.93

3,

771,

015.

00

2= Xf; s§L

-s_ ut jif{ ;Ddsf]

-

-

-v_ o; jif{sf]

-

3134

02.4

131

5128

.28

1214

754.7

31,

843,

285.

42

-u_ Xf; s§L k'gd"{Nofs+g÷k"g{n]vg

-

0.00

0.00

0.00

-

Xf; s§L ;dfof]hg lkmtf{

0.00

-

s'n Xf; s§L

- -

31

3,402

.41

31

5,12

8.2

8

1,

214,7

54.7

3

1,

843,

285.

42

0.00

3= a"s Eofn" -1 - 2_

-

-

1,18

1,96

4.6

1

2,56

4,3

60.3

8

10,1

91,8

54.5

2

13,9

38,1

79.5

1

0.00

4= hUuf

-

-

-

-

-

0.00

5= k"+hLut lgdf{)f -k+"hLs/)f ul/g" kg]{_

-

-

-

-

-

-

0.00

6= nLh xf]N* ;DklQ

-

-

-

-

-

-

0.00

hDdf -3, 4, 5 / 6_

- -

1,

181,

964.6

1

2,

564,3

60.3

8

10,1

91,8

54.5

2

13,9

38,1

79.5

1

3771015.00


l:y/ ;DklQ


ljj/)f

;DklQ

o; jif{sf] ?=

ut jif{ ?=

l;Gw

' ljs

f; a

}+s ln

ld6]8

l:y/

;dklQ

-@)^

* ;

fn c

fiff9 d

;fGt

_

;w}+======tkfO{ ;“u

bf]>]f jflif{s k|ltj]bg @)^&÷)^*@^

cg";'rL 4=15

k|ltzt /sd ?=

hDdfAoj:yfs"n hDdf

ut jif{ ?

l;Gw' ljsf; a}s lnld^]*u}x| a}lsª ;DklQ

gf]S;fgL Joj:yfs'n u}/ a}lsª\ ;DklQ /sd

?=

u}/ a}+lsª\ ;DklQ ;sf/ u/]sf] ldlt

C)f jf kfl^{sf] gfd &]ufgf

v'b u}/ a}lsª\ ;DklQ ?=



1= d;nGb df}Hbft 400,676.87 2= nufgLdf c;"n ug{ af+sL cfDbfgL3= shf{df c;"n ug{ af+sL Aofh 495,637.21 Go"g Jofh d'NtjL /sd (495,637.21) 4= c;'n ug{ af+sL sldzg5= ;)*«L *^\;{ 250,859.00 6= sd{rf/L ;fk^L / k]ZsL 85,242.76 7= cu|Ld e"QmfgL 177,500.00 cu|Ld cfos/8= dfu{:y gub9= dfu{:y cGo -r]s ;d]t_10= ljgf ;'rgf *«fkm\^sf] e"QmfgL11= ckn]vg x"g af+sL vr{ 62,254.00 12= zfvf ldnfg lx;fa13= :yug s/ ;DklQ14= cGo 409,078.65 22,975.00

hDdf 1,134,752.28 273,834.00

l;Gw' ljsf; a}s lnld^]*cGo ;DklQ

-2068 ;fn cfiff( d;fGt_l;Gw' ljsf; a}+s lnld6]8

cGo ;DklQ-@)^* ;fn cfiff9 d;fGt_

l;Gw' ljsf; a}+s lnld6]8u}x| a}lsË ;DklQ


;w}+======tkfO{ ;“u

bf]>]f jflif{s k|ltj]bg @)^&÷)^* @&

ljj/)f ut jif{ ?=1 Jfif{ ;Dd 1 Jfif{ b]lv

dfly 3 jif{ 3 aif{eGbf dfly

hDdf

1= shf{df c;"n ug{ af+sL Jofh 495,637.21 - - 495,637.21 -

2= ljgf ;'rgf *|fkm\^sf] e"QfgL - - - -

3= zfvf ldnfg lx;fa - - - -

4= :jb]zL tyf ljb]zL Ph]G;L lx;fa - - - -

o; jif{ ?=

cGo ;DklQ -yk ljj/)f_-2068 ;fn cfiff( d;fGt_


cg";'rL 4=17ljj/)f o; jif{ ut jif{

1= ;+:yf pk/ bfaL k/]sf] t/ ;+:yfn] bfloTj :jLsf/ gu/]sf]2= k|lttkqx? -k"/f /sd_ s= 6 dlxgf eGbf sd cjlwsf] v= 6 dlxgf eGbf al( cjlwsf]3= k'gM l*:sfpG^ u/LPsf lanx?4= Dofb gfl# g;s]sf] Uof/]G^L÷a)* s= la* a)* v= k/km/d]G; a)* 4,850,000.00 u= cGo Uof/]G^L÷a)*5= r'Stf jf e"Qmfg x"g jf+sL z]o/ nufgL6= km/jf* PS:r]Gh sG^«fS^sf] jf+sL bfloTjx?7= sn]S;gdf /x]sf lanx?8= dGh"/L tyf ;dy{g (Acceptence and Endorsement)9= k|Tofe"lt ;DaGlw k|ltj$tf (Under writing commitment)10= ckl/jTo shf{ k|ltj$tf (Irrevocable Loan Commitment)11= cGt/f{li^«o >])fL s[t a}+ssf] sfpG^/ Uof/]G^Ldf lbPsf] Uof/]G^L12= clu|d e"QmfgL Uof/]G^L (Advance Payment Guarantee)13= shf{ k|jfxsf] nflu ljQLo hdfgt (Financial Guarantee) 14= cfos/ jfkt ;+efljt bfloTj (Contingent Liabilities onIncome Tax)15= cGo ;Defljt bfloTj

hDdf 4,850,000.00

l;Gw' ljsf; a}s lnld^]*;Defljt bfloTj


l;Gw' ljsf; a}+s lnld6]8cGo ;DklQ -yk ljj/0f_-@)^* ;fn cfiff9 d;fGt_

l;Gw' ljsf; a}+s lnld6]8;Defljt bfloTj


;w}+======tkfO{ ;“u

bf]>]f jflif{s k|ltj]bg @)^&÷)^*@*


s= shf{ ;fk^ / clwljsif{df1= shf{ ;fk^ 9,835,451.28 2= clwljsif{-v_ nufgLdf1= g]kfn ;/sf/sf] ;"/If)f kq

-s_ ^]«h/L ljN;-v_ ljsf; C)f kq-u_ /fli^«o artkq

2= ljb]zL C)f kq-s_ -v_

3= g]kfn /fi^« a}+ssf] C)f kq4= l*j]Gr/ tyf a)*

-s_ a}+s÷ljQLo ;+:yfx?-v_ cGo ;+:yfx?

5= cGt/ a}s+ nufgLdf Jofh-s_ a}+s÷ljQLo ;+:yfx?-v_ cGo ;+:yfx?

-u_ Ph]G;L df}Gbftdf1= :jb]zL a}+s÷ljQLo ;+:yfx?2= ljb]zL a}+sx?-#_ dfu tyf cNk;'rgfdf k|fKt x"g]] df}Hbftdf 1= :jb]zL a}+s÷ljQLo ;+:yfx? 10,208,335.63 1436852.002= ljb]zL a}sx?-ª_ cGodf1= ;l^{lkms]^ ckm l*kf]lh^ 2= cGt/ a}+s÷ljQLo ;+:yf shf{ 3= cGo 1,662,348.40 0.00

hDdf 21,706,135.31 1436852.00

l;Gw' ljsf; a}s lnld^]*Jofh cfDbfgL



Jofh cfDbfgL

;w}+======tkfO{ ;“u

bf]>]f jflif{s k|ltj]bg @)^&÷)^* @(


s lgIf]k bfloTjdf1 d"@tL lgIf]k 1=1 :jb]zL d"b|f 3,980,010.05 1=2 ljb]zL d"b|f2 jrt lgIf]k 2=1 :jb]zL d"b|f 6,573,464.30 2=2 ljb]zL d"b|f3 dfu]sf] avt ltg"{kg]{ lgIf]k 3=1 :jb]zL d"b|f 7,025,287.70 2=2 ljb]zL d"b|f4 ;l^{lkms]^ ckm l*kf]lh^;\v shf{ ;fk^df 1 C)fkq tyf aG* 2 g]kfn /fi^« a}+saf^ k|fKt shf{ 3 cGt/ a}s÷ljQLo ;+:yf shf{ 4 cGo ;+ul&t ;+:yf 5 cGo shf{u cGodf 1= =========== 2 ===============

hDdf 17,578,762.05

l;Gw' ljsf; a}s lnld^]*Jofh vr{



s ljN; v/Lb tyf l*:sfpG^ 1 :jb]zL 2 ljb]zL

v sldzg 291,914.96 1 k||lttkq 2 hdfgt kq 97,000.00 3 sn]S;g kmL 4 /]ld^]G; kmL 194,914.96 5 qm]l^* sf*{ 6 z]o/ k|Toe'lt÷lgisfzg 7 ;/sf/L sf/f]jf/ jfkt 8 O= k|f= sdLzg jfkt 9 a§f cfDbfgL

u cGo 32,050.00 hDdf 323,964.96

l;Gw' ljsf; a}s lnld^]*sldzg tyf l*isfp)^



Jofh vr{


sldzg tyf l8isfp06

;w}+======tkfO{ ;“u

bf]>]f jflif{s k|ltj]bg @)^&÷)^*#)

cg";'rL 4=21ljj/)f o; jif{ ?= Uft jif{ ?=

1 ;]km l*kf]lh^ eN^sf] ef*f 1 qm]l^* sf*{ lg:sfzg tyf gjLs/)f 3 ATM sf*{ lg:sfzg tyf gjLs/)f 4 ^]n]S;÷l^= l^ 5 ;]jf z'Ns 3,145,547.50 6 gjls/)f z'Ns 7 cGo 110,953.97

hDdf 3,256,501.47

l;Gw' ljsf; a}s lnld^]*cGo ;~rfng cfDbfgL



1= ljlgdo b/df ePsf] km/saf^ - - 2= ljb]zL d"b|f sf/f]af/af^ -a§f afx]s_ - -

hDdf cfDbfgL÷-gf]S;fg_ - -


1= tnj 4,685,329.10 315,000.00 2= eQf 425,417.00 3= ;~rosf]if yk 126,000.00 31,500.00 4= tflnd vr{ 79,891.00 5= kf]zfs 158,589.85 6= cf}ifwf]krf/7= jLdf8= k]G;g tyf pkbfg Joj:yf9= cGo

hDdf 5,475,226.95 346500.00


l;Gw' ljsf; a}s lnld^]*sd{rf/L vr{


l;Gw' ljsf; a}s lnld^]*;^xL #â( cfDbfgL÷gf]S;fgL


1= ljlgdo b/df ePsf] km/saf^ - - 2= ljb]zL d"b|f sf/f]af/af^ -a§f afx]s_ - -

hDdf cfDbfgL÷-gf]S;fg_ - -


1= tnj 4,685,329.10 315,000.00 2= eQf 425,417.00 3= ;~rosf]if yk 126,000.00 31,500.00 4= tflnd vr{ 79,891.00 5= kf]zfs 158,589.85 6= cf}ifwf]krf/7= jLdf8= k]G;g tyf pkbfg Joj:yf9= cGo

hDdf 5,475,226.95 346500.00


l;Gw' ljsf; a}s lnld^]*sd{rf/L vr{


l;Gw' ljsf; a}s lnld^]*;^xL #â( cfDbfgL÷gf]S;fgL


cGo ;~rfng cfDbfgL


;6xL 36a9 cfDbfgL÷gf]S;fgL


sd{rf/L vr{

;w}+======tkfO{ ;“u

bf]>]f jflif{s k|ltj]bg @)^&÷)^* #!

ljj/)f o; jif{ ?= ut jif{ ?=1= #/ef*f 1,038,927.40 83330.002= aQL, lah"nL / kfgL 182,746.19 1320.003= dd{t tyf ;Def/ s= ejg 191,416.24 v= ;jf/L ;fwg 266,360.82 30700.00 u= cGo 12,000.00 10320.004= jLdf 252,026.67 1995.005= kf]i^]h, ^]n]S;, ^]lnkmf]g, km\ofS; 232,484.62 51922.006= sfof{no pks/)f kmlg{r/ / ;Def/ 13,430.20 7= e|d)f eQf / vr{ 6,750.00 18030.008= d;nGb / %kfO{ 256,103.83 33455.009= kqklqsf tyf k":ts 28,758.00 10= lj!fkg tyf k|j${g 324,769.20 191321.0011= sfg"gL vr{ 57,295.00 12= rGbf 3,000.00 13= ;~rfns ;ldlt ;DjlGw vr{ s= j}&s eQf 91,500.00 v= cGo vr{ 12,330.50 14= ;fwf/)f ;ef ;DjlGw vr{ 54,807.46 15= n]vfkl/If)f ;DjlGw s= n]vfk/LIf)f z"Ns 82,050.00 12000.00 v= cGo vr{ 34,215.00 16= /sd :yfgfGt/)f sldzg17= l:y/ ;DklQdf Xf; s§L 1,764,793.45 18= k"j{ ;+rfng vr{ ckn]vg 142,995.00 19= z]o/ lgisfzg÷Joj:yfkg vr{20= k|fljlws ;]jf ;f]wegf{ 250000.0021= dgf]/~hg vr{22= ckn]vg vr{23= ;"/Iff vr{ 972,772.57 24= shf{ ;"/If)f lk|ldod25= sldzg / l*:sfpG^ 27,250.00 230100.0026= cGos btf{ gljs/)F 149,800.00 v cGo vr{ 1,124,991.28 174975.00

hDdf 7,323,573.43 1089468.00

ldlt 2067 ;fn >fj)f 1 ut] b]lv 2068 ;fn cfiff( d;fGt ;Ddcg";'rL 4=24

l;Gw' ljsf; a}s lnld^]*cGo ;~rfng vr{


cGo ;~rfng vr{

;w}+======tkfO{ ;“u

bf]>]f jflif{s k|ltj]bg @)^&÷)^*#@

ljj/)f o; jif{ ?= ut jif{ ?1= shf{ gf]S;fgL Joj:yfdf ePsf] j[$L 1,764,122.64 - 2 nufgL gf]S;fgL Joj:yfdf ePsf] j[$L - - 3= u}/ a}+lsª\ ;DklQ gf]S;fgL Joj:yf - - 4 cGo ;DklQdf ul/Psf] Joj:yf - -

hDdf 1,764,122.64 -

l;Gw' ljsf; a}s lnld^]*;Defljt gf]S;fgL Joj:yf

ldlt 2067 ;fn >fj)f 1 ut] b]lv 2068 ;fn cfiff( d;fGt ;Ddcg";'rL 4=25


1= nufgL lalqmdf cfDbfgL÷-gf]S;fg_ - - 2= ;DklQ lalqmaf^ cfDbfgL÷-gf]S;fg_ - 3= nfe+fz - - 4 g]kfn /fi^« a}+saf^ k|fKt ;x"lnot - - s= tf]lsPsf] zfvfx?sf] gf]S;fg jfkt Ifltk'lt{ - - v= Aofh Ifltk'lt{ - - u ;^xL sfpG^/ - - 5= cGo - -

v'b u}/ ;+rfng cfDbfgL ÷ -gf]S;fg_ - -

cg";'rL 4=27ljj/)f o; jif{ ?= ut jif{ ?

1= shf{ gf]S;fgL Joj:yfaf^ lkmtf{ - - 2= u}/ a}+lsé ;DklQ gf]S;fgL Joj:yfaf^ lkmtf{ - - 3= nufgL Joj:yfaf^ lkmtf{ - - 4= cGo ;DklQsf] Joj:yfaf^ lkmtf{ - -

hDdf - -

l;Gw' ljsf; a}s lnld^]*u}/ ;~rfng cfDbfgL÷gf]S;fg


l;Gw' ljsf; a}s lnld^]*;Defljt gf]S;fgL Joj:yfaf^ lkmtf{

-cfly{s jif{ 067÷68_


1= nufgL lalqmdf cfDbfgL÷-gf]S;fg_ - - 2= ;DklQ lalqmaf^ cfDbfgL÷-gf]S;fg_ - 3= nfe+fz - - 4 g]kfn /fi^« a}+saf^ k|fKt ;x"lnot - - s= tf]lsPsf] zfvfx?sf] gf]S;fg jfkt Ifltk'lt{ - - v= Aofh Ifltk'lt{ - - u ;^xL sfpG^/ - - 5= cGo - -

v'b u}/ ;+rfng cfDbfgL ÷ -gf]S;fg_ - -


1= shf{ gf]S;fgL Joj:yfaf^ lkmtf{ - - 2= u}/ a}+lsé ;DklQ gf]S;fgL Joj:yfaf^ lkmtf{ - - 3= nufgL Joj:yfaf^ lkmtf{ - - 4= cGo ;DklQsf] Joj:yfaf^ lkmtf{ - -

hDdf - -

l;Gw' ljsf; a}s lnld^]*u}/ ;~rfng cfDbfgL÷gf]S;fg


l;Gw' ljsf; a}s lnld^]*;Defljt gf]S;fgL Joj:yfaf^ lkmtf{

-cfly{s jif{ 067÷68_


;Defljt gf]S;fgL Joj:yf


u}/ ;~rfng cfDbfgL÷gf]S;fg


;Defljt gf]S;fgL Joj:yfaf6 lkmtf{

;w}+======tkfO{ ;“u

bf]>]f jflif{s k|ltj]bg @)^&÷)^* ##


1= ckn]vg ePsf] shf{sf] c;"nL - - 2= :j]lR%s cjsfz vr{ - - 3 c;"nL x"g g;Sg] shf{sf] ckn]vg -4=28 s_ - - 4 cGo vr{÷cfDbfgL - - 5= ============================ - -

hDdf - -


l;Gw' ljsf; a}s lnld^]*c;fdfGo sf/f]jf/x/af^ ePsf] cfDbfgL÷vr{

;+:yfks÷;~rfns÷sfo{sf/L k|d"vsf] gfd ;fjf Jofh ;fjf Jofh ;fjf Jofh

-s_ ;~rfns1=2

-v_ sfo{sf/L k|d'v 1=2

-u_ ;+:yfks 1=2

-#_ sd{rf/L 1= ;+lbk l;+ &s'/L] 85,242.76 516.92=

-ª_ z]o/wgLx? 1=2

hDdf 0.00 0.00 0.00 0.00 0.00 85,242.76 516.90

cg";'rL 4=29

l;Gw' ljsf; a}s lnld^]*;+rfns, sfo{sf/L k|d"v, ;+yfks, sd{rf/L z]o/xf]N*/x?nfO{ uPsf] shf{ ;fk^ ljj/)f

v/Lb tyf l*:sfpG^ ul/Psf ljnx? / shf{, ;fk^ tyf clwljsif{df k|jflxt s'n /sd dWo] ;+~rfns, sfo{sf/L k|d'v, ;+yfks, sd{rf/L, z]o/ xf]N*/x? / lghx?sf] kl/jf/sf ;b:o jf To:tf JolQm hdfgL a;]sf] jf d}g]lhª\ Ph]G^ ePsf] s"g} ;+:yf jf sDkgLnfO{ uPsf] /sdsf] ljj/)f b]xfo adf]lhd % .

o; jif{ c;"nLut jif{;Ddsf] jf+sL cfiff( d;fGt;Dd af+sL o; jif{ yk shf{

;+:yfks÷;~rfns÷sfo{sf/L k|d"vsf] gfd ;fjf Jofh ;fjf Jofh ;fjf Jofh

-s_ ;~rfns1=2

-v_ sfo{sf/L k|d'v 1=2

-u_ ;+:yfks 1=2

-#_ sd{rf/L 1= ;+lbk l;+ &s'/L] 85,242.76 516.92=

-ª_ z]o/wgLx? 1=2

hDdf 0.00 0.00 0.00 0.00 0.00 85,242.76 516.90

cg";'rL 4=29

l;Gw' ljsf; a}s lnld^]*;+rfns, sfo{sf/L k|d"v, ;+yfks, sd{rf/L z]o/xf]N*/x?nfO{ uPsf] shf{ ;fk^ ljj/)f

v/Lb tyf l*:sfpG^ ul/Psf ljnx? / shf{, ;fk^ tyf clwljsif{df k|jflxt s'n /sd dWo] ;+~rfns, sfo{sf/L k|d'v, ;+yfks, sd{rf/L, z]o/ xf]N*/x? / lghx?sf] kl/jf/sf ;b:o jf To:tf JolQm hdfgL a;]sf] jf d}g]lhª\ Ph]G^ ePsf] s"g} ;+:yf jf sDkgLnfO{ uPsf] /sdsf] ljj/)f b]xfo adf]lhd % .

o; jif{ c;"nLut jif{;Ddsf] jf+sL cfiff( d;fGt;Dd af+sL o; jif{ yk shf{


c;fdfGo sf/f]af/x?af6 ePsf] cfDbfgL÷vr{


;w}+======tkfO{ ;“u

bf]>]f jflif{s k|ltj]bg @)^&÷)^*#$

?=xhf<df cg";'rL 4=30ljj<)f rfn" cjlw ut cjlw

s k|fylds k ¤"hL 1 r"Qmf k¤"hL -;fwf/0f z]o/_ 51,000.00 51,000.00 2 k|:tfjLt af]g; z]o< 3 z]o< lk|ldod 4 lkmtf{ gx"g] cu|flwsf< z]o< 5 ;fwf<)f hu]8f sf]if 6 ;l~rt gfkmf÷gf]]S;fg 7 jf;nftdf b]vfO{Psf] rfn" cf=j=sf] gfkmf gf]S;fg lx;fjsf <sd (7,238.76) (9,611.68) 8 k'FhL lkmtf{ hu]8f sf]if 9 k¤"hL ;dfof]hg sf]if 10 (CALLS IN ADVANCE) 11 cGo :jtGq sf]ifx? #^fpg] - Voflt (Goodwill) jfktsf] <sd - ;Ldf eGbf al( nufgLdf ul<Psf] <sd - ljQLo :jfy{ <x]sf] sDkgLsf] lwtf]kqdf nufgL u<]sf] <sd - cjf:tljs ;DklQ (Fictitious Assets) - o; a}ssf] lgb{]zg kfng gu<L :jk|of]hgsf nflu #<hUuf vl<b u<sf] www<sd - ;LdfeGbf a(L cfj; ejg lgdf)F{ tyf hUuf ljsf;df nufgL u<]sf] www<sd - tf]lsPsf] ;doleq ljs|L ljt<)F ug{ g;s]sf] z]o< k|Tofe'lt - k|rltn P]g tyf sfg"gn] k|ltaGw u<]s]f JolQm tyf ;d'xnfO{ k|bfg sfsu<]sf] shf{ tyf ;"ljwfx?hDdf k|fylds k¤"hL 43,761.24 41,388.32

v k'<s k¤"hL 1 c;n shf{sf] nflu ul<Psf] shf{ gf]S;fgL Joj:yf 1764.12 1,167.11 2 cltl<Qm shf{ gf]S;fgL Aoj:yf 3 xfOla|8 k"hL pks<)fx? 4 ;"<If)f g<flvPsf] ;xfos cfjlws C)f 5 ;^xL ;lds<)f sf]if 6 ;Dklt k"gd"Nof°g sf]if 7 nufgL ;dfof]hg sf]if hDdf k'<s k¤"hL 1,764.12 1,167.11

u hDdf k¤"hLsf]if -s®v_ 45,525.36 42,555.43 # hf]lvd efl<t ;DklQsf] cfwf<df sfod ug"{kg{] Go'gtd k"¤hLsf]if k¤"hLsf]if 11 k|ltzt 20.34 18.87 k|fylds k"¤hL 5.5 k|ltzt 19.55 18.36 k¤"hLsf]if - clws÷Go"g 9.34 k|ltzt k|fylds k¤"hL - clws÷Go"g 14.05 k|ltzt

l;Gw" ljsf; a}s lnld^] 8k"¤hLsf]if tflnsf

2067 ;fn c;f< d;fGt


k'FhLsf]if tflnsf@)^& ;fn c;f/ d:ffGt

;w}+======tkfO{ ;“u

bf]>]f jflif{s k|ltj]bg @)^&÷)^* #%

cg";'rL 4.30 s

gub df}Hbft 0.00 6388.47 - 10240.14 - ;"g -ljlgdo of]Uo_ 0.00 - - g]kfn <fi^« a}sdf <x]sf] df}Hbft 0.00 990.02 - 2386.00 - g]kfn ;<sf<sf] ;"<If)fkqdf u<sf] nufgL 0.00 - - g]kfn <fi^« a}sC)fkqdf u<]sf] nufgL 0.00 - - cfkm\g} d"@tL <l;bsf] lwtf]df k')f{ ;"<lIft x"g]ul< k|bfg ePsf] d"@tL <;Lb lwtf] shf{ 0.00 468.74 - 465.00 - ;<sf<L C)fkqsf]] lwtf]df k')f{ ;"<lIft x"g]u<L k|bfg ePsf] shf{ 0.00 - - ;<sf<L ;"<If)fkqsf] kfpg" kg]{ Jofh <sd 0.00 - - ljkGg au{ shf{ cGtu{t u)fgf x"g] o"jf tyf ;fgf Joa;foL :jf]<f]huf< sf]ifdf v < u au{sf 0.00 - - :jb]zL Ohfhtkqk|fKt a}s÷ljQLo ;:yfx?df <x]sf] df}Hbft 20.00 145,772.31 29,154.46 10,200.00 2,040.00 cGo Ohfhtkqk|fKt a}s÷ljQLo ;:yfx?sf] d'$tL <;Lbsf] lwtf]df k')f{ ;<lIft x"g] u<L k|bfg 20.00 - - ljb]zL a}sx?df <x]sf] df}Hbft 20.00 - - dfu]sf] jvt k|fKt x"g] <sd -Money at Call) 20.00 - 90,786.95 18,157.39 cGt<f{li^«o >])ffLs[t (Rated) a}ssf] Uof<])^Ldf uPsf] shf{ 20.00 - - cGt<f{li^«o >])fLs[t (Rated) a}sdf u<]sf]] cGo nufgL 20.00 - - cGt< a}s ;fk^L 20.00 - - z]o<, lŠj]Gr< Pj a)8df ePsf] nufgL 100.00 - - cGo nufgLx? -ljQLo ;:yfx?df <x]sf] d"@tL lgIf]k 100.00 9,000.00 9,000.00 28,000.00 28,000.00 shf{ ;fk^ tyf ljN; v<Lb÷lŠ:sfp)^ 100.00 165,764.64 165,764.64 147,647.18 147,647.18 l:y< ;DklQx? 100.00 13,938.18 13,938.18 14,795.65 14,795.65 kfpg" kg]{ v'b Jofh <sd 100.00 - - cGo ;a} ;DklQ 100.00 1,134.75 1,134.75 9,992.27 9,992.27 ;Ldf gf#]sf l<on :^]^ shf{ 150.00 - -

s hDdf 343,457.11 218,992.04 314,513.20 220,632.49 v jf;nftaflx<sf] sf<f]af< - - - - aLN; sn]S;g 0.00 - - - - clu|d ljb]zL ljlgdo ;Demf}tf 10.00 - - - - 6 dlxgf eGbf sd cjlwsf] k|lttkq-k"<} <sd 20.00 - - - - cGt<f{li^«o >])fLs[t (Rated) ljb]zL a}ssf] sfp)^< Uof<]G^Ldf hf<L ul<Psf] Uof<G^L

20.00 - - - - 6 dlxgf eGbf a(L cjlwsf] k|lttkq-k'<} <sd 50.00 - - - - laŠ j)Š tyf k<km<d]G; j)Š < k|Tofe'lt ;DjGwL k|lta$tf

50.00 - 0 - 0

k"g v<Lb ug{] zt{df laqmL u<]sf] shf{ 50.00 - - - - clu|d e"QmfgL Uof<)^L 100.00 4,850.00 4,850.00 4,850.00 4,850.00 ljQLo tyf cGo hdfgt 100.00 - - - - ckl<jTo{ shf{ k|lta$tf 100.00 - - - - cfos< jfkt ;Defljt bfloTj 100.00 - - - - cGo ;a} k|sf<sf ;Defljt bfloTjx? 100.00 - - e"QmfgLsf nfuL bfjL k<]sf] hdfgt 100.00 - -

v hDdf 4,850.00 4,850.00 4,850.00 4,850.00 s"n hf]lvd efl<t ;DklQ -s_®-v_ 348,307.11 223,842.04 319,363.20 225,482.49

l;Gw" ljsf; a}s lnld^] 8hf]lvd efl<t ;DklQ ljj<)f tflnsf

2068 ;fn c;f< d;fGt

s jf;nft leqsf ;DklQx? (On- Balance - Sheet Assets)

ef<rfn" cjlw ut cjlw

<sdhf]lvd efl<t ;DklQ

<sdhf]lvd

efl<t ;DklQ


hf]lvd efl/t ;DklQ ljj/0f tflnsf@)^& ;fn c;f/ d:ffGt

;w}+======tkfO{ ;“u

bf]>]f jflif{s k|ltj]bg @)^&÷)^*#^

cg';"rL 4=31

ljj/)f ;'rsf°cf=j=

2067÷2068cf=j=

2068÷2069cf=j=

2069÷2070cf=j=

2070÷2071

1= v'b gfkmf÷s'n cfDbfgL k|ltzt k|ltzt -2= k|lt z]o/ cfDbfgL ? -3= k|lt z]o/ ahf/ d'No ? -4= d'No cfDbfgL cg'kft (PE Ratio) cg'kft -5= z]o/ k"+hLdf nfef+++z -jf]g; ;lxt_ k|ltzt -6= z]o/ k"+hLdf gub nfef+; e"QmfgL k|ltzt -7= Jofh cfDbfgL÷shf{ tyf ;fk^ k|ltzt 16.81%8= sd{rf/L vr{÷s'n ;~rfng vr{ k|ltzt 74.76%9= s'n lgIf]k tyf ;fk^Ldf Jofh vr{ k|ltzt 11.50%10= ;^xL #â( cfDbfgL÷s'n cfDbfgL k|ltzt -11= sd{rf/L af]g;÷s'n sd{rf/L vr{ k|ltzt -12= v'b gfkmf÷shf{ ;fk^ k|ltzt -13= v'b gfkmf÷s'n ;DklQ k|ltzt -14= s'n shf{÷lgIf]k k|ltzt 56.22%15= s'n ;~rfng vr{÷s'n ;DklQ k|ltzt 3.73%16= hf]lvd efl/t ;DklQ k"+hLsf]ifsf] kof{Kttf

-s_ k|fylds k"+hL k|ltzt 19.52%-v_ k'/s k"+hL k|ltzt 0.78%-u_ s'n k"+hL sf]if k|ltzt 20.30%

17= t/ntf (CRR) cg'kft 5.50%18= lgis[o shf{÷s'n shf{ k|ltzt 0%19= Jofh b/ cGt/ (Weighted Average Interest Rate Spread) 5.31%20= a"s g]^jy{ ? 85.81%21= s'n z]o/ ;+Vof 510,00022= s'n sd{rf/L ;+Vof 4423= cGo

l;Gw' ljsf; a}s lnld^]*k|d"v ;'rsf°

sDtLdf ljut 5 jif{sf] kl/;'rsx?


k|d'v ;"rsfÍslDtdf ljut % jif{sf] kl/;"rsx?

;w}+======tkfO{ ;“u

bf]>]f jflif{s k|ltj]bg @)^&÷)^* #&

cg';'rL $=#@

l;Gw' ljsf; a}+s lnld6]8 k|d'v n]vf gLltx?

!_ ;fwf/0f hfgsf/L

l;Gw' ljsf; a}+s lnld6]8 g]kfndf :yflkt l;ldt bfloTj ePsf] sDkgL xf] . o;sf] /lhi6{8 sfof{no afx|la;], l;Gw'kfNrf]sdf /x]sf] 5 . o;n] g]kfn /fi6« a}+ssf] Ohfht k|fKt u/L ævÆ ju{sf] ljsf; a}+sn] ug]{ sfo{x? k|bfg ub}{ cfPsf] 5 .

@_ ljQLo ljj/0fx? tof/Lsf] cfwf/

ljQLo ljj/0fx? g]kfnL ?k}ofFdf k|:t't ul/Psf] 5 . oL ljj/0fx? g]kfn n]vfdfg, ;j{dfGo n]vf gLltx?, a}+s tyf ljQLo ;+:yf P]g,@)^#, g]kfn /fi6« a}+saf6 hf/L lgb]{zg tyf sDkgL P]g ,@)^# sf] Aoj:yf ;d]tsf] cwLgdf /xL tof/ ul/Psf 5g\ .

#_ l:y/ ;DklQ tyf x|f; vr{

l:y/ ;DklQnfO{ ;f] sf] k/n d"Nodf x|f; s§L u/L b]vfOPsf] 5 . k/n d"No lgwf{/0f ubf{ vl/b d"No tyf ;f] vl/b;Fu ;DalGwt k|ToIf vr{ ;d]t hf]l8Psf] 5 .

l:y/ ;DklQsf] x|f; s§L 36\bf] k|0ffnL ckgfO{ ul/Psf] 5 . x|f; vr{sf] b/ lgDg adf]lhd sfod ul/Psf] 5 .

;DklQsf] k|s[lt x|f; s§L b/

sfof{no pks/0fx? !% Ü

kmlg{r/ lkmSr;{ OToflb !% Ü

sDKo'6/ xf8{j]o/ @% Ü

cGo ;DklQ !) Ü

$_ nufgL

ljsf; a}+sn] a}+s tyf ljlQo ;+:yfdf /fv]sf] d'2tL lgIf]knfO{ cGo nufgL lzif{sdf /flvPsf] 5 .

%_ :yugs/ M– -Deferred tax) :yug s/ ;DklQnfO{ s/of]Uo cfo / n]vfut cfojLrsf] ;dfofGt/ adf]lhd n]vf+sg ul/Psf] 5 . :yug s/ bfloTjnfO{ cGo bfloTj cGtu{t b]vfO{Psf] 5 .

^_ shf{ tyf ;fk6 -ljN; vl/b ;d]t_, shf{ gf]S;fgL Joj:yf / shf{ ckn]vg lglt

Jff;nftdf shf{ tyf ;fk6nfO{ shf{ gf]S:ffgL Joj:yf ;dfof]hg kZrft\ k|:t't ul/Psf] 5 . shf{ ;fk6 tyf e'QmfgL a}+sn] ckgfPsf] shf{ ;fk6 gLltsf] cfwf/df ul/Psf 5g\ . c;'n x'g afFsL shf{ ;fk6 /sdnfO{ g]kfn /fi6« a}+saf6 hf/L lgb]{zgsf] cfwf/df c;n, sd;n, z+sf:kb tyf v/fa shf{df juL{s/0f u/L g]kfn /fi6« a}+sn] tf]s] adf]lhd oy]i6 shf{ gf]S;fgL Joj:yf ul/Psf] 5 . shf{ ckn]vg ;DaGwL ljlgodfjnL g]kfn /fi6« a}+saf6 :jLs[t u/fO{ nfu' ul/Psf] 5 .

;w}+======tkfO{ ;“u

bf]>]f jflif{s k|ltj]bg @)^&÷)^*#*

&_ k'FhLs[t gu/Lg] ;DklQx? ;DaGwL n]vf+sg lglt cGt{ut a}+sn] ? %)))÷– ;Ddsf ;DklQnfO{ k'FHfLs[t u/]sf] 5}g.

*_ shf{sf] ;fFjf tyf Jofh c;'n ug]{ C0fLn] shf{ /sd hDdf ubf{ ;a}eGbf klxn] Jofh /sd c;'n u/L jfFsL /x]sf] /sd ;fjfFdf hDdf ug]{ lglt lnPsf] 5 .

(_ sd{rf/L ;fk6L tyf k]ZsL

a}+ssf] gLlt cg';f/ sd{rf/Lx?nfO{ k|bfg ul/Psf] ;fk6L tyf k]ZsLnfO æcGo ;DklQÆ cGtu{t b]vfOPsf] 5 .

!)_ ljsf; a}+sn] o; cf= j=df u}x| a}+lsË ;DklQ ;sf/ u/]sf] 5}g .

!!_ cfos/

k|:t't cfly{s aif{df ljsf; a}+s gf]S;fgdf ;+rfngdf ePsf] x'Fbf cfos/ Joj:yf ul/Psf] 5}g .

!@_ ljb]zL ljlgdosf] sf/f]jf/

ljb]zL d'b«fdf /x]sf] ;Dklt vl/b ldltdf /x]sf] ljlgod b/ -vl/b b/_ n] ?kfGt/0f ul/Psf] 5 .

!#_ Jofh cfDbfgL

shf{ tyf ;fk6af6 x'g] Jofh cfDbfgLnfO{ g]kfn /fi6« a}+ssf] lgb]{lzsf cg';f/ gub k|flKtsf] cfwf/df n]vf+sg ug]{ ul/Psf] 5 . cfly{s jif{sf] cGtdf kfs]sf] t/ c;'n x'g afFsL Jofh /sdnfO{ Jofh d'NtaL lx;fadf n]vf+sg u/LPsf] 5 .

!$_ Jofh vr{

lgIf]k tyf ;fk6Ldf nfUg] Jofh vr{ k|f]befjL cfwf/df vr{ n]Vg] ul/Psf] 5 .

;w}+======tkfO{ ;“u

bf]>]f jflif{s k|ltj]bg @)^&÷)^* #(

cg';'rL $=## l;Gw' ljsf; a}+s lnld6]8

n]vf ;DalGw l6Kk0fLx?

!_ cfly{s jif{df shf{ k|jfx, c;'nLsf] ljj/0f o; k|sf/ 5 . z'? df}HbfFt M ) o; jif{ k|jfx ePsf] shf{ M !&,&#,#*,#)).– o; jif{ c;'nL ePsf] ;fjfF M (@,%%,%$(.(! clGtd df}HbfFt M !^,*),*@,&%).)(

@_ lgIf]k bfloTj ;DalGw ;+lIfKt ljj/0fM

lgIf]k lzif{s Uft jif{ o; jif{ a[l4 tyf sdL

d'2tL

d'2tL # dlxg]

d'2tL ^ dlxg]

d'2tL ! jif{

d'2tL @ jif{

d'2tL # jif{

s"n d'2tL lgIf]k -s_

art

;lhnf] art

Affnaflnsf art

h]i7 gful/s ;Ddfg art

qmlds Dfl;s art

gf/L art vftf

;+~ro sf]if art vftf

z]o/ xf]N8/ art vftf

sd{rf/L art vftf

s"n art lgIf]k -v_

s"n lgIf]k -s ±v_

–

*,)),))).–

$,(&,&*,&#%.–

*#,!),)%!.–

^,*%,))).–

%,(%,&#,&*^.–

*,#!,$#,$%).#!

#!,@(,@%@.!#

!,!*,#!,))%.(#

^,%%,&*%.#^

#,^@,%(,!().((

#,@$,!!#.!$

*,)%,!^$.^*

!^,*),$@%.@*

!#,&*,@*,#*&.*@

!(,&$,)@,!&# .*@

–

*,)),))).–

$,(&,&*,&#%.–

*#,!),)%!.–

^,*%,))).–

%,(%,&#,&*^.–

*,#!,$#,$%).#!

#!,@(,@%@.!#

!,!*,#!,))%.(#

^,%%,&*%.#^

#,^@,%(,!().((

#,@$,!!#.!$

*,)%,!^$.^*

!^,*),$@%.@*

!#,&*,@*,#*&.*@

!(,&$,)@,!&# .*@

#_ cf}ift Jofhb/ sf] cGt/ shf{af6 cf}ift Jofh cfDbfgL M !^=*! Ü lgIf]kdf cf}ift Jofh e'QmfgL M !!=%) Ü cf}ift Jofhx?sf] cGt/ M %=#! Ü

$_ ckn]vg x'g afFsL vr{sf] ljj/0f s'g} klg vr{ afFsL g/x]sf] %_ ljQLo ;+:yfn] ;DklQ / bfloTj ;Fu ;DalGwt sf/f]af/ / jf;nft aflx/sf] sf/f]af/ s'g} Ps JolQm, kmd{

;+3;+:yf tyf s'g} Ps If]qdf clws]Gb|Lt ePsf] b]lvG5 .

;w}+======tkfO{ ;“u

bf]>]f jflif{s k|ltj]bg @)^&÷)^*$)

^_

t/nt

f ;D

alGw

hf]lv

d Go

"gLs/0

f sf nf

lu ljs

f; a

}+sn]

e'Qmfg

L lwtf] c

fwf/df

;Dk

lQ /

bflo

Tj s

f] Jo

j:yf

lgD

g ad

f]lhd

u/]sf] 5 .

qm=;=

ljj<)f

1-90 lbg

91-180 lbg

181-270 lbg

270-365 lbg

1jif{eGbf a(L

s"n <sd

;DklQ

1 gub df}HbFt

6,388,468.39

6,388,468.39

2 a}}s tyf ljQLo ;_:yfdf <x]sf df}Hbft

13790018.04

13,790,018.04

3 ljb]zL a_}sdf ul<Psf nufgL

0.00

4

sn dlg

132,972,307.69

132,972,307.69

5 ;<sf<L ;"<If)fkq

0.00

6 g]=<f=a}_}s C)fkq

0.00

7 cGt< a}_}s tyf ljQLo ;:yf shf{

0.00

8

shf{ ;fk^

4,025,000.00

4025000.00

4025000.00

4,025,000.00

150151025.91

166,251,025.91

9 kfpg" kg]{ Jofh

495637.21

495,637.21

10

l<e;{ l<kf]

0.00

11

k|lta$tf cGt{ut cGo ;_:yfx?af^ k|fKt x'g]

9000000.00

9,000,000.00

12

qm=;= 20, 21 < 22 sf ;"ljwfx?sf] e"QmfgL

0.00

13

cGo

0.00

s"n ;DklQ

166,671,431.33

4,025,000.00

4,025,000.00

4,025,000.00

150,151,025.91

328,897,457.24

bfloTj

14

rNtL lgIf]k

13527745.96

3381936.49

16909682.45

15

art lgIf]k

17228548.48

17228548.48

17228548.48

17228548.48

68,914,193.91

137828387.82

16

d'@tL lgIf]k

30,000,000.00

29,573,586.00

59573586.00

17

C)fkqx?

0.00

18

;fk^L

0.00

dfu cNk ;'rgf

0.00

cGt< a}_}s lj= ;_:yf

2,500,000.00

2500000.00

k'g<shf{

0.00

cGo

0.00

19

cGo bfloTj

tyf Joj:yfx?

0.00

;)ŠL qm]lŠ^;{

363939.00

363939.00

e'QmfgL lbg"kg]{ ljn

0.00

e'QmfgL lbg"kg]{ Jofh

0.00

Aoa:yfx?

0.00

cGo

751253.500

751253.50

20

k|lta$tf cGt{ut cGo ;_:yfx?nfO{ lbg"kg]{

0.00

21

pkef]u e}g;s]sf] :jLs{t ;"ljwfx?

0.00

22

k|lttkq hdfgt v'b

0.00

23

l<kf]

0.00

24

qm=;= cGtu{sf] ;"ljwfsf] e"QmfgL

0.00

25

cGo

0.00

s'n bfloTj

34371486.94

17228548.48

17228548.48

47228548.48

101869716.40

217926848.77

v'b ;DktL

132,299,944.39

13,203,548.48

-13,203,548.48

43,203,548.48

48,281,309.51

110970608.47

;_lrt v'b ;DklQ

132,299,944.39

119,096,395.92

105,892,847.44

62,689,298.96

110,970,608.47

0.00

;w}+======tkfO{ ;“u

bf]>]f jflif{s k|ltj]bg @)^&÷)^* $!

&_ ljsf; a}+sn] cfkmgf] ;DklQ lwtf] /fvL shf{ lnPsf] 5}g .

*_ ljsf; a}+sn] o; jif{df u}/ j}+lsË ;DklQ ;sf/ u/]sf] 5}g .

(_ :yug s/ bfloTjsf] ljj/0f lgDgcg';f/ /x]sf] 5 .

qm=;+= ljj/0f n]vf cg';f/ cfos/ cg';f/ km/s /sd :yug s/ #)Ü

! x|f; s§L vr{ !*,$#,@(%.$@ #!,@$,@&%.)) !@,*),(*(.%* #,*$,@(^.*&

s'n lsQf ;+Vof

s"n r"Qmf k"+hLsf] k|ltzt

shf{ lnPsf] cGo

a}+s÷ljQLo ;+:yfsf] gfd

shf{ /sd

lwtf]df /x]sf] z]o/ lsQf ;+Vof

0

l;Gw' ljsf; a}s lnld^]*g]=/f=a}=lgb]{zg cg";'rL 4=34

;+:yfkssf] :jfldTjdf sfod shf{ ljj/)f

qm=;++=

s}lkmot

;+:yfks÷;+:yfks ;d'xsf cGtu{t kg]{ z]o/wgLsf]

gfd

cGo a}+s tyf laQLo ;+:yfdf lwtf] /flv shf{ lnPsf] ljj/)f;+:yfks÷;+:yfks ;d"xsf z]o/ wgLn] cfkmgf] :jfldTjdf /x]sf] z]o/

;w}+======tkfO{ ;“u

bf]>]f jflif{s k|ltj]bg @)^&÷)^*$@

/sd k|ltztdf1 s"n k'¤hL tyf bfloTj (1.1 b]vL 1.7 ;Dd ) 345,893.15 343,072.81 (2,820.34) (0.82)

1.1 r"tmf k_"hL 51,000.00 51,000.00 - - 1.2 hu]Š tyf sf]if (6,771.17) (7,238.76) (467.59) 6.46 gf]^ 1

1.3 C)fkq tyf a)Š - - - 1.4 ;fk^L 2,500.00 2,500.00 - - 1.5 lgIf]k bfloTj (c + cf) 295,696.38 295,696.38 0.00 0.00

c= :jb]zL lgIf]k 295,696.38 295,696.38 0.00 0.00 cf= ljb]zL d"b«f - - -

1.6 cfos< bfloTj - - - 1.7 cGo bfloTj 3,467.94 1,115.19 (2,352.75) (210.97) gf]^ 2

2 s"n ;DktL (2.1 b]vL 2.7 ;Dd ) 345,893.15 152,351,082.40 152,005,189.25 99.77 2.1 gub tyf a}s df}Hbft 20,178.49 152,160,776.08 152,140,597.59 99.99 gf]^ 3

2.2 dfu tyf cNk ;"rgfdf k|fKTf x"g] 132,972.31 - (132,972.31) 100.00 gf]^ 4

2.3 nufgL 9,000.00 9,000.00 - - 2.4 shf{ tyf ;fk^ 168,082.74 166,233.38 (1,849.36) (1.11)

c. l<on :^]^ shf{ - - - s. cfjf; u[x shf{ 11,810.06 11,691.96 (118.10) (1.01) gf]^ 5

v= Jofkfl<s sDkn]]S; tyf cfjf;Lo ckf^{d]G^ lgdf{)f shf{ - - - u= cfo cfh{{g ug]{ Joj;foLs sDkn]S; shf{ - - - #. Dfflh{g k|s[ltsf] shf{ - - - ª= cGo l<on :^]^ shf{ hUuf hdLg vl<b < Knl^ª ;d]t 9,200.00 9,108.00 (92.00) (1.01) gf]^ 6

cf= dflh{g k|s[ltsf] shf{ - - {p. cfalws shf{ 86,500.92 85,635.91 (865.01) (1.01) gf]^ 7

pm. clwlasif{ /l^.cf<./rfn" k_"hL shf{ 44,233.77 43,791.44 (442.33) (1.01) gf]^ 8

P]= cGo shf{ 16,337.99 16,006.08 (331.91) (2.07) gf]^ 9

2.5 l:y< ;DklQ 13,273.00 13,938.18 665.18 4.77 gf]^ 10

2.6 u}< a}lsé ;DklQ - - - 2.7 cGo ;DklQ 2,386.61 1,134.75 (1,251.86) (110.32) gf]^ 11

3 gfkmf gf]S;fg lx;fa - 3.1 Jofh cfDbfgL 9,835.45 21,706.14 11,870.69 54.69 gf]^ 12

3.2 Jofh vr{ 17,578.76 17,578.76 0.00 0.00 s v"b Jofh cfDbfgL (7,743.31) 4,127.37 11,870.68 287.61 3.3 lkm, sldzg < lŠ:sfp)^ - 323.96 323.96 100.00 gf]^ 13

3.4 cGo ;~rfng cfDbfgL 15,451.15 3,256.50 (12,194.65) (374.47) gf]^ 14

3.5 ;^xL #âŠ cfDbfgL - - - v s"n ;_rfng cfDbfgL (s+3.3 b]vL 3.5 ) 7,707.84 7,707.84 (0.00) (0.00) 3.6 sd{rf<L vr{ 5,210.58 5,475.23 264.65 4.83 gf]^ 15

3.7 cGo ;~rfng vr{{ 7,588.22 7,323.57 (264.65) (3.61) gf]^ 16

u gf]S;fgL Joj:yf cl#sf] ;_rfng gfkmf (v- 3.6 - 3.7 ) (5,090.96) (5,090.96) (0.00) 0.00 3.8 ;Defljt gf]S;fgL Joj:yf 1,680.83 1,764.12 83.29 4.72 gf]^ 17

# ;_rfng gfkmf (u - 3.8) (6,771.79) (6,855.08) (83.29) 1.22 3.9 u}< ;_rfng cfDbfgL / vr{ v'b - - - 3.10 ;Defljt gf]S;fgL Joj:yfaf^ lkmtf{ - - -

ª lgoldt ls|ofsnfkaf^ gfkmf (# + 3.9 + 3.10 ) (6,771.79) (6,855.08) (83.29) 1.22 3.11 c;fDffGo sf<f]af<jf^ ePsf] cfDbfgL / vr{ - (384.30) (384.30) 100.00 gf]^ 18

r af]g; < s< cl#sf] gfkmf (ª + 3.11) (6,771.79) (7,239.38) (467.59) 6.46 3.12 sd{rf<L af]g; Joj:yf - - - 3.13 cfos< Joj:yf - - - % v'b gfkmf / gf]S;fg (r - 3.12- 3.13 ) (6,771.79) (7,239.38) (467.59) 6.46 4 cg"kftx? - 4.1 k'¤hLsf]if / hf]lvd efl<t ;DklQ 20.18% 20.30% 0.00 0.59 4.2 lgis[o shf{/ s"n shf{ - - - 4.3 ;Defljt gf]S;fgL Joj:yf / s"n lgis[o shf{ - - - 4.4 k'¤hLsf] nfut ( Cost of Fund ) 11.08% 11.08% - - 4.5 shf{ lgIf]k cg"kft (g=<f=a}_ssf] lgb]{zg adf]lhd) 49.42% 49.42% - -

l;Gw" ljsf; a}+s lnld^]*

cGt/ x"g"sf] sf/)f

n]vf k/LIf)f k'j{ / kZrfQsf] ljQLo ljj/)fsf] t"ngf cf=j= 2067÷2068 cg";'rL 4=35

?= xhf/df

qm=;+ ljj/)F n]vfk/LIf)f k'j{ n]vfk/LIf)f kZrfQcGt/

;w}+======tkfO{ ;“u

bf]>]f jflif{s k|ltj]bg @)^&÷)^* $#

gf]6 !_ :yug s/ tyf shf{ gf]S;fgL Joj:yf yk ul/Psf] x'gfn] . @_ cGo ;DklQ tyf cGo bfloTjdf /x]sf] ldNbf] lzif{s ;dfof]hg ul/Psf] x'gfn] . # – $_ n]vfk/LIf0f k'j{ cg';"rL $=!! df /fVg] ul/Psf]df n]vfk/LIf0f kZrfQ cg';"rL $=!) df /flvPsf]n] . % – (_ n]vfk/LIf0f kZrfQ shf{ gf]S;fgL Joj:yf 36fO{ v"b shf{ /flvPsf]n] . !)_ ;DklQ tyf bfloTjdf /x]sf] ldNbf] lzif{s ;dfof]hg ul/Psf]n] . !!_ cGo ;DkQL tyf cGo bfloTjdf lzif{sx? ldnfg ul/Psf]n] . !@_ a}+s tyf ljQLo ;+:yfaf6 k|fKt Jofh ;d]t hf]l8Psf]n] . !#_ cfDbfgL lzif{s ldnfg ul/Psf]n] . !$_ cfDbfgL lzif{s ldnfg ul/Psf]n] . !%_ vr{ lzif{s ldnfg ul/Psf]n] . !^_ vr{ lzif{s ldnfg ul/Psf]n] . !&_ JolQmut hdfgLdf k|jfx ul/Psf] shf{df gf]S;fgL Joj:yf yk ul/Psf]n] . !*_ :yug s/ Joj:yf ul/Psf]n] .

;w}+======tkfO{ ;“u

bf]>]f jflif{s k|ltj]bg @)^&÷)^*$$ ;w}+======tkfO{ ;“u

l;Gw

' ljs

f; a

}+s lnld6]8

bf];|f

] jflif{s

;fw

f/0f ;

ef

k |aGw

kqsf] k|:

tfljt

;+zf]wg

o;

ljs

f; a

}+ssf] k|a

Gwkq

sf] lgDg

bkmf ;+z

f]wg

ug{'kg

]{ sf/0f ;

lxt

b]xfodf pN

n]lvt

bkmf

;+zf]wgs

f] nf

lu o

f] k|:

tfj

k]z u

l/Ps

f] 5 .

xfns

f] Jo

j:yf

k|:

tfljt

Joj:

yf

;+zf]w

g ug

{'kg]{ s

f/0f

% =

-7_ :j

]b]zL a}+s

jf ljQLo ;

+:yfs

f] hdfgtd

f shf{ lbg],

vf/]h

g]k

fn /

fi6« a

}+ssf] lgb]{z

g pN

n+3g

x'g] e

Psf]n

]

l ;Gw

' ljs

f; a

}+s lnld6]8

bf];|f

] jflif{s

;fw

f/0f ;

ef

lgod

fjnLsf] k|:

tfljt

;+zf]wg

o; ljs

f; a

}+ssf] lgod

fjnLsf] lgDg

bkmfx?

;+zf]wg

ug{'kg

]{ sf/0f ;

lxt

b]xfodf pN

n]lvt

bkmfx

? ;+z

f]wgs

f] nf

lu o

f] k|:

tfj

k]z u

l/Ps

f] 5 .

xfnsf] Jo

j:yf

k|:tflj

t ;

+zf]w

g ;+zf]w

g ug{'k

g]{ sf/0f

!)= ;+:

yfks

n] lng'

kg]{ z

]o/ M

z]o/

wgLn] ljs

f;

a}+ssf] ;+:

yfks

x'g

' ljs

f; a

}+s :yf

kgf ug

]{ ;dod

f sDk

gL /

lhi6«f/ s

fof{n

odf

k]z u

l/Ps

f] k|a

Gwkq

tyf

lgo

dfjnL c

g';f/ s

DtLd

f !)

))

lsQf z]o/

lnP

sf] x'g

'kg]{5 .

# != -s

_ ;+:

yfks

;d"x

……sÚÚ df #

j6f pk–

;d'x

/xg]5

. k

|To]s p

k–;d

'xaf6

!÷!

hgf

u/L

hDd

f #

;+rfn

sx?

cfk;L

;dembf/Laf6

……;+:y

fksx?

jLrsf]

;Demf}tfÚÚ ad

f]lhd dgf]lgt

jf lgj

f{lrt

x'g]5g\

. s'g}

pk–

;d"xd

f cfk;L ;

xdtL x

'g g;

sL

lgjf{rg

x'g] eP

df

;f]xL pk

–;d"xs

f ;+:

yfks

z]o/

wgLx?s

f] dfq ;

f] pk

;d'xd

f dtb

fg u

g]{ clwsf/ x

'g]5 .

# @= -!_ -v

_ ;~

rfn

s ;

ldltsf] a}7

sdf pk

l:yt

eP a

fkt

cWo

If /

cGo

;~r

fnsn]

kfpg

] k|lt a

}7s e

Qf ?

%)).– x

'g]5 .

!)=

;+:yf

ksn]

lng'

kg]{ z]o/

M

z]o/

wgLn] ljsf;

a}+s

sf]

;+:yf

ks x

'g ljsf;

a}+s:y

fkgf u

g]{ ;d

odf sDk

gL /

lhi6«f/

sfof{n

odf

k]z ul/P

sf]

k|aGw

kq ty

f lgod

fjnL cg';

f/

sDt

Ldf !)

) lsQf z]o/

lnP

sf] x'g

'kg]{5 .

# !=

-s_

;d'x

……sÚÚ

sf ;+:

yfks

z]o/

wgLx?a

f6 #

hgf ;

+rfn

s

lgjf{lr

t x'g

]5g

. #@

= -!_

-v_

;~rfn

s ;ldltsf]

a}7sdf

pkl:y

t eP

afkt

cWo

Ifn]

kfpg

] k|lt a

}7s e

Qf ?

%))).– /

cGo

;~r

fnsn]

kfpg

] k|lt a

}7s e

Qf ?

$))).– x

'g]5 .

e'njz

!))) x

'g uP

sf]n

] .

xfns

f] Jo

j:yf

cJo

jxfl/

s e

Psf]n

] .

;fljssf] a}7

s e

Qf Ho

fb} Go'g

ePs

f]n] .

bf]>]f jflif{s k|ltj]bg @)^&÷)^* $%;w}+======tkfO{ ;“u

bf]>]f jflif{s k|ltj]bg @)^&÷)^*$^

l6kf]6

;w}+======tkfO{ ;“u

bf]>]f jflif{s k|ltj]bg @)^&÷)^* $&

l6kf]6

;w}+======tkfO{ ;“u

bf]>]f jflif{s k|ltj]bg @)^&÷)^*$*

l6kf]6

;w}+======tkfO{ ;“u

Documents

ljifo;rL - sindhubank.com.np