Lumbini Annual Report 2068

Lumbini Bank Limited
ljifo;"rL
!=
;fwf/0f ;ef ;DaGwL ;"rgf================================================================================================================sv
@=
k|jz
] kq tyf k|ltlglw lgo'Qm ug]{ lgj]bg==================================================================================================u
#=
;+rfns ;ldltsf] tkm{af6 cWoIfHo"n] k|:t't ug'{ ePsf] ;+rfns ;ldltsf] k|ltj]bg===============================!^
$=
n]vfk/LIfssf] k|ltj]bg ;lxt @)^* cfiff9 d;fGtsf] jf;nft tyf ;f]xL ldltdf ;dfKt
cf=j= @)^&^* sf] gfkmfgf]S;fg lx;fa tyf gubk|jfx tyf ;DalGwt cg';r
" Lx?==============================&$%
%=
g]kfn /fi6 a}s

+ sf] lgb]z
{ g======================================================================================================================$^
^=
k|aGw kqdf tyf lgodfjnLdf ul/Psf] ;+zf]wg====================================================================================$&
n'lDagL a}+s lnld6]8

sf]
rf}wf}+ jflif{s ;fwf/0f ;ef ;DaGwL ;"rgf
o; a}+ssf] ldlt @)^* ;fn cflZjg * ut] a;]sf] ;+rfns ;ldltsf] #)@ cf}+ a}7ssf] lg0f{o cg';f/ o; a}+ssf] rf}wf}+ jflif{s ;fwf/0f ;ef lgDg lnlvt
ldlt, ;do / :yfgdf lgDg ljifox? pk/ 5nkmn tyf lg0f{o ug{ a:g] ePsf] x'Fbf ;Dk"0f{ z]o/wgL dxfg'efjx?nfO{ hfgsf/Lsf] nflu sDkgL P]g, @)^# sf]
bkmf ^& adf]lhd of] ;"rgf k|sflzt u/LPsf] 5 . ;fwf/0f ;ef ;DaGwL ;Dk"0f{ ljj/0fx? z]o/wgL dxfg'efjx?nfO{ ;dodf g} k7fO{g] Aoxf]/f cjut u/fpb}
;efdf pkl:ytLsf nflu xflb{s cg'/f]w ul/G5 .
!=
ldlt, ;do tyf :yfg

ldlt M @)^* d+l;/ @ ut], z'qmjf/ -tbg';f/ gf]e]Da/ !*, @)!!_
;do M ljxfg !)M)) jh]
:yfg M pBf]u jfl0fHo ;+3, gf/fo0fu9, lrtjg
@=
5nkmnsf ljifox?
s_ ;fdfGo k|:tfj M
!= ;+rfns ;ldltsf] k|ltj]bg @)^&^* kfl/t ug]{ .
@= n]vfk/LIfssf] k|ltj]bg ;lxt @)^* cfiff9 d;fGtsf] jf;nft tyf ;f]xL ldltdf ;dfKt cf=j=@)^&^* sf] gfkmfgf]S;fg lx;fa tyf
gubk|jfx ljj/0f :jLs[t ug]{ .
#=
n]vfk/LIf0f ;ldltsf] l;kmfl/; cg'?k cf=j= @)^*^( sf] nflu n]vfk/LIfs lgo'Qm ug]{ / lghsf] kfl/>lds tf]Sg] . -jt{dfg n]vfk/LIfs
>L vu]Gb| P08 Pzf]l;P6\; k'gM lgo'Qm x'g of]Uo x'g'x'G5 ._
$= ;+rfnsx?sf] kfl/>lds eQf / ;'ljwf ;DjGwdf .

v_ ljz]if k|:tfj M
!= ;+rfns ;ldltn] k|:tfj u/] cg'?ksf] gub nfef+z tyf af]gz z]o/ k|bfg ug]{ k|:tfj 5nkmn u/L kf/Lt ug]{ .
s_ !)% sf b/n] af]gz z]o/ hf/L ug]{ljz]if k|:tfj,
v_ ;+rfns ;ldltn] z]o/wgLx?nfO{ af]gz z]o/ hf/L ug{ af]gzdf nfUg] s/ jfkt )=%# k|ltzt -?= ^*,$@,!)%_ gub nfef+z ljlgof]hg
ug{ u/]sf] l;kmfl/;nfO{ 5nkmn u/L kfl/t ug]{laz]if k|:tfj
@=
k|aGwkq tyf lgodfjnL ;+zf]wg laz]if k|:tfj kfl/t ug]{ . ;fy}, pQm ;+zf]wg s'g} lgod lgsfox?af6 km]/abn ul/Pdf cfjZos ;dfof]h
ug{ ;+rfns ;ldltnfO{ clVtof/L lbg] .
s_ k"FhL j[l4 -k|:tfljt af]gz z]o/ hf/L ePkZrft k"FhL j[l4 x'g] ePsf]df ;]fxL adf]lhd ldnfg ug{_
v_ ;+rfnsx?sf] kfl/>lds eQf / ;'ljwf j[l4 ug]{ ;DaGwdf jflif{s ;fwf/0f ;efaf6 kfl/t eP cg'?k cfjZos ;+zf]wg ug]{ .
u_ ljljw
;+rfns ;ldltsf] cf1fn],
lbks uf}td
sDkgL ;lrj
rf}wf}+ jflif{s k|ltj]bg @)^&^*
;fwf/0f ;ef ;DaGwL cGo hfgsf/L

!=
;efdf pkl:yt x'g] z]o/wgL dxfg'efjx?n]] k|jz

] kqsf ;fy} z]o/ k|df0fkq / cfgf] kl/ro v'Ng] -h:t} gful/stfsf] k|df0fkq jf cGo s'g} kl/rokq_
clgjfo{ ?kdf ;fydf lnO{ cfpg' x'g cg'/f]w 5, cGoyf ;efsIf leq k|j]z ug{ kfOg] 5}g . zflGt;'/IffnfO{ b[li6ut u/L ;fydf emf]nf / cGo To:tf
a:t'x? glnO{ cfpg'xg' cg'/f]w ul/G5 . a}s
+ sf] jflif{s ;fwf/0f ;efsf] ;"rgf, ;~rfns ;ldltsf] k|ltj]bg, cfly{s ljj/0f ;Dk"0f{ z]o/wgL dxfg'efjx?nfO{
oyf;dodf k7fOg]5 . sf/0fj; s;}nfO{ pQm k|ltj]bgx? k|fKt x'g g;s]df a}s
+ sf] s]Gb|Lo sfof{no, gf/fo0fu9 jf skf]/{ 6] sfof{no, gS;fn, sf7df8f}a+ f6
z]o/wgLsf] k|df0f k|:t't u/L k|fKt ug{ ;Sg' x'g]5 .
@=
;efdf efu lng k|ltlglw -k|fS] ;L_ lgo'Qm ug{ rfxg] z]o/wgL dxfg'efjx?n] ;ef z'? x'g] ;do eGbf sDtLdf $* 306f cufj} a}s
+ sf] s]Gb|Lo sfof{no,
gf/fo0fu9df btf{ u/fO{ ;Sg' kg]{5 . o;/L k|ltlglw -k|f]S;L_ lgo'Qm ul/Psf] AolQm ;d]t a}+ssf] z]o/wgL x'g cfjZos 5 .
#=
;efdf efu lng k|ltlglw -k|f]S;L_ lgo'Qm ul/;Sg' ePsf] z]o/wgL cfkm} ;efdf pkl:yt eO{ xflh/L k'l:tsfdf b:tvt ug'{ ePdf k|f]S;L lbO{ ;s]sf]
ePtfklg :jtM ab/ x'g] 5 . k|ltlglw lgo'Qm ul/;s]kl5 pQm k|ltlglw ab/ u/L of] k|ltlglw kq -k|f]S;L_ nfO{ dfGotf lbOof]; egL 5'6\6} kq ;d]t
n]lv k7fpg' ePsf] /x]5 eg] c? ;a} k|ltlglw kq -k|f]S;L_ ab/ eO{ ;f]xL kq ;fy cfPsf] k|ltlglw kq -k|f]S;L_ dfq dfGo x'g]5 . ;f]sf] lnlvt
;"rgf ;f]lx cjwLleq a}+ssf] s]Gb|Lo sfof{nodf btf{ ul/;Sg'kg]{5 . ;f] gu/L Ps z]o/wgLn] Ps eGbf a9L k|f]S;L lgo'Qm u/L To:tf k|ltlgwL kq
-k|f]S;L_ ;dod} a}+sdf k|fKt ePtfklg ;a} ab/ x'g]5 .
$=
gfjfns jf ljlIfKt z]o/wgLsf] tkm{af6 a}+ssf] z]o/ nut lstfjdf ;+/Ifssf] ?kdf gfd btf{ ePsf] AolQmn] ;efdf efu lng jf k|ltlglw tf]Sg
;Sg' x'g]5 .
%=
;+o'Qm ?kdf z]o/ vl/b u/]sf] cj:yfdf nut lstfjdf klxn] gfd pNn]v ePsf] AolQm cyjf ;a{;Ddtaf6 k|ltlglw lgo'Qm ul/Psf] Ps JolQmn]
dfq ;efdf efu lng kfpg]5g\ .
^=
z]o/wgL dxfg'efjx?nfO{ 5nkmnsf ljifox? dWo] ljljw zLif{s cGtu{t a}s

+ ;DaGwL s]xL lh1f;f eP OR5's z]o/wgL dxfg'efjx?n] ;ef x'g' eGbf
& lbg cufj} sDkgL ;lrj dfkm{t ;~rfns ;ldltsf] cWoIfnfO{ lnlvt ?kdf lbg'kg]{5 . t/ o;nfO{ 5nkmn / kfl/t x'g] k|:tfjsf] ?kdf ;dfj]z
ul/g] 5}g .
&=
z]o/wgL dxfg'efjx?n] AoQm ug'{ ePsf dGtAo tyf k|Zgx?sf] ;DaGwdf ;+rfns ;ldltsf] tkm{af6 ;fd"lxs ?kn] jf ;+rfns ;ldltaf6 cfb]z
kfPsf AolQmn] pQ/ lbg]5g .
*=
;efdf efu lng] k|To]s z]o/wgL dxfg'efjx?n] ;ef x'g] :yfgdf /x]sf] xflh/L k'l:tsfdf b:tvt ug'{ kg]{5 . z]o/wgL dxfg'efjx?sf] ;'ljwfsf]
nflu xflh/L k'l:tsf ljxfg !)M)) jh] b]lv ;ef rfn' /x];Dd v'Nnf /xg]5 .
(=
z]o/ k|df0fkq k|fKt u/L g;s]sf z]o/wgLx?n] a}+ssf] z]o/ /lhi6f/ >L gful/s nufgL sf]if afg]Zj/, sf7df8f}+ l:yt sfof{noaf6 z]o/ k|df0fkq
lng x'g cg'/f]w 5 .
!)=
o; a}+ssf] jflif{s ;fwf/0f ;ef tyf nfef+z k|of]hgsf] nflu a}+ssf] z]o/ bflvnvf/]h ldlt @)^*=)&=)* ut] b]lv @)^*=)*=)@ ut];Dd aGb
/xg]5 .
!!=
cGo hfgsf/Lsf] nflu a}+ssf] skf]{/]6 sfof{no gS;fn, gf/fo0frf}/, sf7df08f}+df sfof{no ;doleq ;Dks{ /fVg' x'g cg'/f]w 5 .
k|j]z kq
z]o/wgLsf] gfd M >L ============================================================================================================================================================
z]o/wgL g+= M ========================================================
z]o/ ;+Vof M =============================
n'lDagL a}+s lnld6]8sf] rf}wf}+ jflif{s ;fwf/0f ;efdf pkl:yt x'g hf/L ul/Psf] k|j]z kq
===========================
z]o/wgLsf] x:tfIf/
=======================
sDkgL ;lrj
b|i6Jo M
!_ z]o/wgL cfkm}n] vfnL 7fpFx? eg'{xf]nf .
@_ ;efsIfdf k|j]z ug{ of] k|j]z kq k|:t't ug{ clgjfo{ 5 .
"
oxfF sf6\g'xf];
;fwf/0f ;efdf dtbfg ug{ cfkm\gf] k|ltlglw lgo'Qm ug]{ lgj]bg

-k|f]S;L kmf/fd_
>L ;+rfns ;ldlt
n'lDagL a}+s lnld6]8
k|ultky, gf/fo0fu9, lrtjg .
ljifo M k|ltlglw lgo'Qm u/]sf] af/] .
dxfzo,
======================================================== lhNnf ================================================================ g=kf=uf=lj=;= j8f g+= ================ a:g] dxfdL
========================================================================================n] n'lDagL a}+s lnld6]8sf] z]o/jfnfsf] x}l;otn] @)^* ;fn d+l;/ )@ ut] z'qmaf/sf lbg
x' g ] ;fwf/0f ;efdf :jo+ pkl:yt eO{ 5nkmn tyf lg0f{ o df ;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; a}+ssf] z]o/jfnf
>L ============================================================================================= z]o/wgL g+= =======================================nfO{ d]/f]xfd|f] k|ltlglw
dgf]lgt u/L k7fPsf 5f}+ .
lgj]bg
b:tvt M
gfd M
7]ufgf M
z]o/wgL g+= M
z]o/ ;+Vof M
ldlt M
b|i6Jo M of] lgj]bg ;fwf/0f ;ef x'g' eGbf sDtLdf $* 306f cufj} a}+ssf] /lhi68{ sfof{nodf k]z u/L ;Sg' kg]{5 .
n'lDagL a}+s lnld6]8sf]

rf}wf}+ jflif{s ;fwf/0f ;efdf ;+rfns ;ldltsf] tkm{af6 cWoIfHo'n]
k|:t't ug'{ ePsf] ;+rfns ;ldltsf] k|ltj]bg @)^*
z]o/wgL dxfg'efjx?,
n'lDagL a}+s lnld6]8sf] rf}wf}+ jflif{s ;fwf/0f ;efdf pkl:yt x'g'ePsf ;Dk"0f{ z]o/wgL dxfg'efjx?nfO{ ;+rfns ;ldltsf] tkm{af6 d xflb{s :jfut
clejfbg ub{5' . o; cj;/df d a}+ssf] @)^* cfiff9 d;fGtsf] jf;nft, cfly{s jif{ @)^&)^* sf] gfkmf gf]S;fg lx;fa tyf cGo ljQLo
ljj/0fx? ;efsf] :jLs[ltsf] nflu k|:t't ub{5' .
cfly{s jif{ @)^&)^* df a}+ssf] sf/f]jf/sf] ;dLIff
cfly{s jif{ @)^&)^* df a}+sn] pT;fxhgs kl/0ffd xfl;n u/L cfgf] ljlQo l:yltnfO{ cem ;an agfpg ;kmn ePsf] 5 . ut cfly{s jif{sf]
cGt ;Dddf a}+ssf] ;+lrt gf]S;fgL /x]sf] ePtf klg o; cfly{s jif{df pQm ;Dk"0f{ ;+lrt gf]S;fgL pk/ -Recovery_ u/L z]o/wgL dxfg'efjx? nfO{
!) k|ltZft af]g; z]o/ tyf pQm af]g; z]o/sf nflu nfef+z s/ jfkt )=%# k|ltzt gub nfef+z k|:tfj ug{ kfpFbf xfdL cToGt xlif{t 5f}+ . kF"hL
kof{Kttf tkm{ ;d]t a}+sn] ut cfly{s jif{ ;Ddsf] pknlAwnfO{ sfod} /flv ;d;fdoLs jfl0fHo a}+sx? dWo]df pTs[i6 /xg ;kmn ePsf] 5 . kF"hL
eg]sf] a}+ssf] d]?b08 xf] / o;sf] kof{Kttfn] a}+ssf] hf]lvd p7fpg ;Sg] Ifdtfsf] lgwf{/0f ub{5 . g]kfn /fi6 a}+ssf] lgb]{zg cg';f/ :j:y ljQLo
;+:yfsf] nfuL slDtdf klg !) k|ltZft kF"hLsf]if sfod ug'{ kg]{ ePtf klg a}+ssf] xfnsf] @$=@@ k|ltZft kF"hL sf]ifn] a}+ssf] hf]lvd wf/0f ug{ ;Sg]
Ifdtf cToGt ;an /x]sf] a'em\g ;lsG5 . To;} u/L cfly{s jif{ @)^&^* df a}+ls If]qdf t/ntfsf] ;d:of b]lvPsf] ePtf klg pQm cjlw e/
o; a}+sn] cfgf] t/ntf cg'kft lg/Gt/ ?kdf #% k|ltztsf] xf/fxf/Ldf sfod /fv]sf] hfgsf/L u/fpg rfxG5' .
cfly{s jif{ @)^&^* sf] d'gfkmfaf6 ;+rfns ;ldltn] a}+ssf z]o/wgLx?sf nflu !) k|ltzt af]gz z]o/ tyf pQm af]gz z]o/sf nflu e'QmfgL
ug'{ kg]{ nfef+z s/sf nflu )=%# k|ltzt gub nfef+z k|:tfj u/]sf] 5 . a}+ssf] ljut !$ jif{sf] O{ltxf;df k|yd k6s z]o/wgL dxfg'efjx?nfO{
k|ltkmn lbg kfPsf]df xfdL uf}/jflGjt 5f}+ . cfzf 5 z]o/wgL dxfg'efjx?n] pQm k|:tfjnfO{ s/tnWjgLsf ;fy kfl/t ug'{ x'g]5 .
cfly{s jif{ @)^&^* df a}+sn] cl3Nnf] cfly{s jif{sf] t'ngfdf !&=&@ n] lgIf]k a9fpg ;kmn ePsf] 5 . To;} u/L shf{ ;fk6 tyf laN;
vl/bdf !#=!! k|ltZft / nufgLdf @#=%% k|ltZftn] j[l4 ePsf] 5 . pQm cjlwdf a}+ssf] v'b Aofh cfDbfgL !$=&$ n] tyf v'b d'gfkmf
@*=!^ n] j[l4 ePsf] 5 . To;}u/L @)^* cfiff9 d;fGtdf a}+ssf] lgis[o shf{ )=(^ k|ltZftdf em/]sf] 5 . s]xL jif{ cl3 $! k|ltZft sf] xf/fxf/Ldf
k'u]sf] lglis|o shf{ cg'kftnfO{ ! k|ltZft eGbf sddf emfg{'df a}+ssf] ;+rfns ;ldlt, Joj:yfkg tyf sd{rf/Lx?sf] dxTjk"0f{ of]ubfg /x]sf] Aoxf]/f
oxfF pNn]v ug'{ ;fGble{s x'g] 7fg]sf] 5' . a}sn] o; cfly{s jif{df s'n ?=@@ s/f]8 %* nfv ;+rfng d'gfkmf tyf ?=#* s/f]8 (* nfv v'b d'gfkmf
cfh{g u/]sf] 5 . t/ntf ;d:of nufot ljut cfly{s jif{df a}+ls If]qdf b]lvPsf ljleGg ;d:ofx?sf afjh'b a}+sn] cfgf] ljQLo cj:yfnfO{
;an t'NofpFb} ;Gtf]ifk|b d'gfkmf cfh{g u/]sf] tYo oxfFx? ;dIf hfgsf/L u/fpg kfp+bf xfdL lgs} xlif{t 5f}+ .
d'nssf] ;du| cfly{s l:ylt / To;n] pTkGg u/fPsf cj;/, ;d:of tyf r'gf}tL
cl3Nnf jif{x?df h:t} o; cfly{s jif{df klg b]zdf /fhgLlts cl:y/tf tyf cGof}nsf] cj:yf sfod} /Xof] . cfly{s jif{ )^&)^* df cfwf/e"t
d"No (producers price) df s'n u|fx:y pTkfbgsf] j[l4 b/ #=$& k|ltZft dfq /Xof] h'g ut cfly{s jif{ sf] #=(& k|ltZft eGbf sd /x]sf] 5 .
o;df klg u}/ s[lif If]qsf] pTkfbg #=)( k|ltZftn] dfq a9\g uof] h'g cl3Nnf] jif{sf] %=#( k|ltZftsf] t'ngfdf lgs} sd /x]sf] 5 . o:tf] Go"g
a[l4sf] jftfj/0fdf klg a}+sn] cfgf] ljlQo l:ylt ;'b[9 jgfpg ;kmn ePs]f 5 . cfly{s jif{ )^&^* df s'n u|fx:y pTkfbgdf artsf] c+z
v:s]sf] b]lvG5 . cfly{s jif{ )^&)^* df *=#( k|ltZft /x]s]f of] kl/;"rs o; jif{ ^=^^ k|ltZftdf dfq l;ldt /Xof] h;n] ubf{ l;ldt lgIf]k
;+sng ug{ rsf]{ k|lt:kwf{ ePsf] / a}+ssf] lgIf]k nfut ;d]t a9\g uPsf] b]lvG5 . ;fy} shf{ tyf nufgL tkm{ klg hf]lvd kl/;"rs a9\b} uPsf] 5 .
cfly{s jif{ @)^&)^* df s'n u|fx:y pTkfbgsf] cg'kftdf s'n nufgL hDdf #)=@! /x]sf] 5 h'g cl3Nnf] cfly{s jif{df #%=)% k|ltZft /x]sf]
lyof] .
:jb]zL nufgLdf pT;fxhgs cj:yf g/x]sf] ePtf klg o; cf= a= df j}b]lzs nufgL k|ltj4tf a9]sf] b]lvG5 h;n] ubf{ nufgLsf] jftfj/0fdf
;'wf/ x'g ;Sg] ;Defjgf b]lvG5 . yf]s d'b|f:kmLlt !@=#) k|ltZft af6 (=() k|ltZftdf em/]sf] 5 . kmn:j?k artstf{sf] dfl;s ah]6df s]xL sd
bafa kg]{ b]lvG5 . To;} u/L o; cfly{s jif{ df ljut !) jif{df klxnf] k6s lgof{t j[l4 b/n] cfoftsf] j[l4 b/nfO{ pl5g]sf] 5 . zf]wgfGt/ l:yltdf
klg ;'wf/ cfPsf] 5 . cl3Nnf] jif{ ?= # ca{ ^# s/f]8 3f6fsf] l:yltdf /x]sf] zf]wgfGt/ o; jif{ ?=@ ca{ (# s/f]8n] art ePsf] 5 . t;y{
/fhgLlts cl:y/tf / cfly{s cGof]nsf aLr klg ;'wf/sf ;+Defjgf b]lvPsf]n] o; a}+snfO{ cfgf] growth momentum sfod ug{ k|]l/t agfPsf]
5.
zfvf ;+rfng
ut cfly{s jif{df vf]lnPsf zfvfx?af6 lgIf]k kl/rfng tyf Aoj;fo a[l4df hf]8 lbOg'sf ;fy} Profit Center sf] ?kdf ljsl;t ub}{ pQm
zfvfx?sf] cfGtl/s lgoGq0f k|0ffnLnfO{ ;'b[9 agfpFb} nluPsf] 5 . cfufdL cfly{s jif{x?df ;d]t ;f]xL sfo{x?nfO{ lg/Gt/tf lbO{g]5 .
;+:yfut ;'zf;g
;+:yfut ;'zf;g, Jofj;flostf / Jofkfl/s :jR5tfnfO{ ;jf]{k/L sfod /fVg a}+s sl6a /x]sf] 5 . a}+sn] k|rlnt sfg"g tyf lgwf{l/t dfkb08x?sf]
clwgdf /xL ;j} lgodx?sf] kfngf u/]sf] 5 . a}+sdf nfu" ul/Psf] cfrf/ ;+lxtf Pj+ ;+:yfut ;'zf;g;+u ;DalGwt Aoj:yfx?sf] cg'kfngf eP
gePsf] cg'udg u/L cfGtl/s n]vfkl/Ifsn] cfkmgf] lgoldt cfGtl/s n]vfk/LIf0f k|ltj]bg dfkm{t l/kf]6{ ug]{ Aoj:yf ldnfOPsf] 5 . ctM a}+sn]
5f]6f] ;dodf xfl;n u/]sf] k|ultnfO{ xfdLn] ;'zf;gsf] k|ltkmnsf ?kdf lnPsf 5f+} .
s_ Aoj:yfkgM
lg/Gt/ d]xgt, s'zn Pj+ k|efjsf/L /0fgLlt ;fy} tL /0fgLltx?nfO{ sfof{Gjog u/fpg] sl6a4tfs}] kmn:j?k g]kfnsf] a}+ls Aoj;fodf o;
a}+sn] cfkm'nfO{ :j:y, ;an Pj+ pbfx/0fLo ;+:yfsf] ?kdf :yflkt ug{ ;kmn ePsf] 5 . a}+s Aoj:yfkg Pj+ ;+rfns ;ldlt aLrsf] ;'dw'/
;dGjo / Aoj:yfkgsf] s'zn g]t[Tjsf] kmn:j?k a}+sn] lglis[o shf{ c;'nL, lgIf]k ljljlws/0f, shf{ hf]lvd Go"lgs/0f, t/ntf Aoj:yfkg tyf
sd{rf/L Aoj:yfkg nufot ;a} If]qx?df k|ult xfl;n u/]sf] 5 .
v_ shf{ hf]lvd Aoj:yfkgM
s'g} klg a}+ssf]] nfuL shf{ hf]lvdsf] k|efjsf/L Aoa:yfkgn] w]/} dxTj /fVb5 . shf{ hf]lvdsf] Aoa:yfkgsf nflu ;+:yfut ;'zf;g,
Aofj;flostf tyf kf/blz{tf x'g' ckl/xfo{ 5 . ;fy}, k|efjsf/L ?kdf shf{ hf]lvd Aoj:yfkgsf nflu ;+rfns ;ldlt Pj+ Aoj:yfkgsf]
e"ldsfdf :ki6tf, shf{ cg'df]bg tyf shf{ k|zf;g ;DaGwL clVtof/Lsf] :ki6 ;+/rgf Pj+ k|efjsf/L shf{ gLlt x'g' kg]{df xfdL :ki6 5f}+ . ;f]xL
cg'?k shf{ hf]lvd Aoj:yfkg k|s[ofnfO{ lg/Gt/tf lbO{Psf] 5 eg] shf{ gLlt Pj+ k|s[ofdf ;d;fdlos ;'wf/ ub}{ nluPsf] 5 . a}+sdf shf{
ljZn]if0f Pj+ nufgL ljefu tyf shf{ k|zf;g ljefun] :jtGq Pj+ :jfoQ ?kdf sfo{ ug{ ;Sg] jftfj/0f /x]sf] 5 . a}+sdf shf{ ljZn]if0f Pj+
shf{ k|zf;gsf] sfo{ Pj+ lhDd]jf/Lsf] pko'Qm ljefhg u/L b[9 g}lts dfkb08 cGtu{t ;~rflnt ;'b[9 shf{ ;+:sf/sf] lasf; ul/g'sf ;fy}
pQm ;+:sf/nfO{ lg/Gt/tf lbOPsf] 5 . shf{ ;3gtfsf] lgoldt ?kdf k'g/fjnf]sg u/L g]kfn /fi6 a}+ssf] gLlt lgodsf] clwgdf /xL shf{
nufgL gLltnfO{ cfjZos kl/dfh{g ub}{ nluPsf] 5 .
u_ ;+rfng hf]lvd Aoj:yfkgM
;+rfng hf]lvd Go"lgs/0fsf nflu cfGtl/s n]vfk/LIf0f ljefuaf6 a}+sdf hf]lvd cfwfl/t cfGtl/s n]vfk/LIf0f ug]{ ul/Psf] 5 . ;fy},
n]vfk/LIf0faf6 cf}+NofO{Psf s}lkmotx?nfO{ ;'Idtd ?kdf cWoog u/L ;+rfng hf]lvd Go"lgs/0fsf nflu cfjZos ;'wf/x? ub}{ nluPsf] 5 .
;+rfns ;ldlt tyf pRr Aoj:yfkgn] cfGtl/s n]vfk/LIf0f ljefu / n]vfk/LIf0f ;ldlt;+u cfjZos ;dGjo u/L cTolws hf]lvdo'Qm If]qx?
klxrfg u/L ;f]xL cg'?ksf] cfGtl/s lgoGq0f k|0ffnL nfu" ul/Psf] 5 . ;+rfng hf]lvd Go"lgs/0fsf nflu lg/Gt/ ?kdf sd{rf/Lx?nfO{
cfGtl/s tyf afXo tflndsf] ;d]t\ Aoj:yf ul/Psf] 5 . a}+ssf sfo{ljlw, gLlt, lgod, a}+ls sfg"g Pj+ cGo k|rlnt sfg'gsf] k"0f{ kfngfdf
hf]8 lbO{g'sf] ;fy} ljBdfg sfo{ljlw, gLlt Pj+ lgodx?df cfjZos kl/dfh{g ub}{ nluPsf] 5 .
3_ t/ntf hf]lvd Aoj:yfkgM
ut jif{e/L g} b]lvPsf] t/ntf ;d:of jiff{Gtdf s]xL sd ePsf] lyof] . a}+ls If]qdf b]lvPsf] t/ntf ;d:ofn] k|efjsf/L t/ntf Aoa:yfkgsf]
cefjdf a}+ssf] cl:tTjg} ;+s6df kg]{ :ki6 b]lvPsf] 5 . t;y{ a}+ssf] t/ntf Aoj:yfkgsf nflu k|efjsf/L /0fgLlt agfpg], t/ntf hf]lvd
klxrfg ug]{, dfkg ug]{, cg'udg ug]{ tyf lgoGq0f ug]{ sfo{nfO{ lg/Gt/tf lbO{Psf] 5 . h;sf] kmn:j?k a}+sn] cfgf] t/ntf hf]lvdnfO{
s'zntfk"j{s Aoj:yfkg ug{ ;kmn ePsf] 5 . a}ssf] ;DklQ bfloTj Joj:yfkg ;ldltn] t/ntf Joj:yfkgsf nflu dxTjk"0f{ e'ldsf v]n]sf]
5 . ;f] ;ldltn] lgoldt ?kdf ahf/ cj:yfsf] ljZn]z0f u/L a}+ssf] lgIf]knufgL /0fgLltx? tof/ u/L nfu' ug]{ Pj+ lgoldt ?kdf cg'udg
tyf k'g/fjnf]sg ug]{ ub{5 . ;fy}, ;DklQ bfloTj Joj:yfkg Pj+ Gap Analysis a}+ssf] ;+rfns ;ldltn] lgoldt ?kdf k'g/fjnf]sg ug]{ u/]sf]
5.
) Aofhb/ hf]lvd Aoj:yfkgM
o; cfly{s jif{df a}+ls If]qdf b]lvPsf] t/ntfsf] ;d:ofsf sf/0f lgIf]ksf] Aofhb/df cTolws j[l4 ePsf] 5 eg] a}+ssf] rNtL, art tyf
d'2tL lgIf]ksf] ;+/rgfdf kl/jt{g eO{ d'2tL lgIf]ksf] rfk a9g'sf ;fy} a}+ssf] Aofh vr{df ;d]t pNn]vgLo j[l4 ePsf] 5 . kmn:j?k, cfufdL
lbgx?df lgIf]ksf] nfutnfO{ Aoj:yfkg ug'{ r'gf}tLk"0f{ ePsf] 5 . t;y{, o;af6 a}+ssf] v'b Aofh cfDbfgLdf kg{ hfg] c;/nfO{ Go"lgs/0f ug]{
tkm{ xfdL ;hu /x]sf 5f}+ .
r) ljb]zL ljlgdo hf]lvd Aoj:yfkgM
ljZj cy{tGqdf b]lvPsf] ptf/r9fjn] ljb]zL ljlgdodf hf]lvd a9]sf] 5 . ljb]zL ljlgdo b/df x'g] kl/jt{gaf6 a}+ssf] ljQLo cj:yfdf kg{
;Sg] c;/nfO{ lgoldt ?kdf cg'udg ug]{ ul/Psf] 5 . ljb]zL ljlgdo hf]lvd Go"gLs/0f ug{ cfjZos gLltx?nfO{ ;'b[9 agfO{ To;sf]
k|efjsf/L sfof{Gjog ul/Psf] 5 .
ljutdf a}+ls If]qdf b]lvPsf] ljb]zL d'b|fsf] ckrng tyf xfn} dfq ef/tLo ?k}ofFsf] sf/f]af/df b]lvPsf] clgoldttf h:tf 36gfx?n] ljb]zL
ljlgdo Aoj:yfkgdf a}s
+ cem a9L ;hu / rgfvf] x'g'kg]{ ePsf] 5 .
5_ :jtGq Pj+ :jfoQ cfGtl/s n]vfk/LIf0f M
k|efjsf/L ;'zf;gsf nflu a}+ssf] cfGtl/s n]vfk/LIf0f ljefun] :jtGq ?kdf cfKfmgf] sfo{ ;Dkfbg ug{ ;Sg] jftfj/0f x'g' cToGt h?/L x'g]
ePsf]n] pQm ljefunfO{ k"0f{ :jtGqtf tyf :jfoQtf k|bfg ul/Psf] 5 . cfGtl/s n]vfk/LIfsn] a}+s sf/f]af/sf] x/]s kIfsf] Pj+ ;nUg hf]lvdsf
;DaGwdf ;"Id ljZn]if0f ug'{sf ;fy} :jtGq ?kdf cfkmgf] k|ltj]bg n]vf k/LIf0f ;ldltnfO{ a'emfpg] u/]sf] 5 . cfGtl/s n]vfk/LIf0fdf
cf}NofOPsf s}lkmotx?nfO{ k|fyldstfsf ;fy ;'wf/ ug]{ ul/Psf] 5 .
a}+ssf] efjL sfo{qmd tyf of]hgfM
u|fxsx?sf] ljZjfl;nf] tyf ;'/lIft a}+s agL z]o/wgLx?sf] lb3{sfnLg lxt ;+/If0fnfO{ xfdLn] cfkmgf] nIo agfPsf 5f} . n'lDagL a}+snfO{ l56f],
5l/tf], u'0f:t/Lo Pj+ u|fxsx?sf] ljZjfl;nf] a}+s agfpg] tkm{sf] xfd|f] k|of; /xg]5 . pQm p2]Zo k|flKtsf nflu a}+sn] lgDg tLg j6f l;fGtx?nfO{
k|fyldstfdf /fv]sf]] 5 .

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pk/f]Qm l;4fGtx?nfO{ sfo{ut ?kdf a}+ssf ;Dk"0f{ sd{rf/Lsf] Aojxf/ / u|fxs ;]jfdf ;sf/fTds k|efj kg]{ u/L sfof{Gjogdf NofO{Psf] 5 .
ldlt @)^@ r}q d;fGtdf emG8} $! k|ltztdf /x]sf] a}+ssf] lgis[o shf{ cfly{s jif{ @)^&^* sf] cGt ;Dddf a}+ssf] s'n shf{sf] )=(^ k|ltztdf
em/]sf] 5 . a}+ssf] lgliqmo shf{ nfO{ Go"gtd Level df /flv shf{sf] u'0f:t/ ;'wf/ ub}{ nUg] tkm{ a}+s ;hu /xg] 5 . ;fy} ljut s]xL ;do b]lv
g]kfnsf] Real Estate Sector df b]lvPsf] ;d:ofsf] sf/0fn] o; a}+ssf] shf{sf] u'0f:t/df kg{ ;Sg] k|lts'n c;/ k|lt xfdL lg/Gt/ ?kdf cg'udg
ul//x]sf 5f}+ .
gf/fo0fu9 lrtjgdf a}+ssf] cfkmgf] /lhi68{ sfof{nosf] ejg lgdf{0f ug]{ sfo{ cuf8L a9fO{Psf] 5 / cfufdL jif{ @)^( ;Dd k'/f ug]{] nIo /flvPsf]
5.
cfufdL rf/ jif{sf nflu agfPsf] lj:t[t /0flglts of]hgf (Strategic Plan) cg';f/ a}+ssf] Aoj;fodf a[lsf ;fy} ljQLo of]hgf, shf{ hf]lvd
Aoa:yfkg, 6]h/L ;~rfng tyf hf]lvd Aoa:yfkg, ;+rfng hf]lvd Aoj:yfkg, cfGtl/s lgoGq0f tyf cfGtl/s n]vfk/LIf0f, ;'rgf k|ljlw tyf
dfgj ;+zfwg ljsf; nufotsf If]qx?df of]hgf cg'?k ug'{kg]{ sfo{x?nfO{ k|fyldstfsf ;fy sfof{Gjog ub}{ nlug] 5 .
a}+ssf] lb3{sfnLg nIo k|flKtsf] nflu dfgj ;+zfwg ljsf;nfO{ cfufdL jif{x?df ;d]t lg/Gt/tf lbO{g]5 . bIf sd{rf/Lx?sf] egf{sf] ;fy} cfjZos
tflnd tyf j[lQ ljsf;nfO{ lg/Gt/tf lbO{g]5 eg] sd{rf/Lx?sf] dgf]an a9fO{ pTkfbsTj j[l ug{ cGo cfjZos pkfox? cjnDag ul/g]5 . ;fy}
sd{rf/Lx?sf] lardf pRr g}lts dfkb08 Pj+ ;'b[9 ;fd"lxs efjgfsf] ;+:sf/ (Strong Team Culture), ;'zf;g tyf Aofj;flostfsf] ljsf; ub}{
nlug] 5 .
a}+sn] xfn k|of]u ul//x]sf] Banking Software df yk ;'wf/x? ul/Psf] 5 . ;fy} cfjZostf cg'?k o;df cfjZos ;'wf/ k|lqmofnfO{ lg/Gt/tf
lbO{g]5 . @)^* ;fpg b]lv a}+ssf] ;+rfngnfO{ i-banking k|0ffnL df nluPsf] 5 .
a}sn] ;b}j u'0f:t/ Pj+ pTkfbsTj j[ldf hf]8 lbb} cfPsf] 5 . k|lt:kwL{ a}+ls jftfj/0fdf ;Lldt ;fwg tyf >f]t lnO{ ljQLo ;'wf/sf] lg/Gt/tfsf
;fy} Aoj;fo a[l4sf nflu a}+sn] cfgf] ;]jfsf] u'0f:t/ Pj+ pTkfbsTjdf ;'wf/ Nofpg' h?/L ePsf]n] ;]jfsf] u'0f:t/df ;'wf/ Pj+ l;ldt ;fwg,
>f]tx?sf] pTkfbsTj j[l4df hf]8 lbO{g]5 .
dfgj ;+zfwgM
sd{rf/Lx?sf] sfo{IfdtfnfO{ pRrtd ljGb';Dd k'ofpg] jftfj/0fsf] l;h{gf u/L pgLx?sf] OdfGbf/Ltf, Jofj;flos bIftf, cfk;L ;befj,
l;h{gzLntf, ;fd'lxs efjgf h:tf s'/fx?sf] k|j4{g ug]{ tkm{ a}+s ;w} k|oTgzLn /x]sf] 5 . a}ssf sd{rf/Lsf] :t/ j[l4sf nflu cfjZos cfGtl/s
k|lzIf0fx? lbg], afXo tflnddf k7fpg] nufotsf sfo{nfO{ lg/Gt/tf lbO{Psf] 5 eg] cfufdL jif{x?df ;d]t lg/Gt/tf lbO{g]5 . xfnsf] k|lt:kwf{Tds
jftfj/0fdf sd{rf/Lsf] dgf]jn pRr /fVg k'/:sf/sf] Joa:yf, jflif{s sfo{ ;Dkfbg d"Nof+sg u/L ;f]xL jdf]lhd u|]8 j[l4 ul/g] kl/kf6LnfO{ lg/Gt/tf
lbO{Psf] 5 . o;sf cltl/Qm a}+s Aoj:yfkg ;b}j of]Uo, bIf, nugzLn tyf OdfGbf/ sd{rf/Lx? lgo'lQm ug]{ / To:tf of]Uo sd{rf/LnfO{ a}ssf]
;]jfdf sfod} /fVg pTk|]l/t ug{ k|lta4 5 .
ljQLo ljj/0f tyf n]vfk/LIf0fM
@)^* cfiff9 d;fGtsf] jf;nft, cfly{s jif{ @)^&^* sf] gfkmf gf]S;fg lx;fa, gub k|jfx ljj/0f, ;DalGwt cg';'rLx? / n]vfk/LIfssf] k|ltj]bg
o;} k|lta]bgsf] c+usf] ?kdf /x]sf 5g\ .
n]vfkl/Ifssf] lgo'lQm M
jt{dfg afXo n]vfk/LIfs >L vu]Gb| e/fO{ -vu]Gb| P08 P;f]l;o6\;_ sfg"gtM k'gM lgo'Qm x'g ;Sg] xF'bf n]vfk/LIf0f ;ldltsf] l;kmfl/zdf cf=j=
@)^*)^( sf] nflu >L vu]Gb| e/fO{ -vu]Gb| P08 P;f]l;o6\;_ nfO{ g} afXo n]vfk/LIfsdf lgo'Qm u/L lg/Gt/tf lbg] k|:tfj oxfFx? ;dIf /flvPsf]
5.
/fli6o cy{tGqdf of]ubfg M
a}+sn] ljleGg :yfgx?df 5l/P/ /x]sf] kF"hL ;+sng u/L cf}Bf]lus Pj+ Jofkfl/s If]qsf] nufgLnfO{ k|fyldstfdf /fvL b]zsf] ljsf;df ;d]t dxTjk'0f{
of]ubfg k'ofPsf] 5 . ;fy} g]kfn /fi6 a}+ssf] lgb]{zg cg'?k pTkfbgzLn If]qdf klg nufgL a9fp+b} nu]sf] 5 . shf{ lng cfjZos ;|f]t gePsf
ljkGg ju{sf hgtfnfO{ klg shf{ lbP/ pgLx?nfO{ cfkmgf] hLjg:t/ psf:g d2t k'ofPsf] 5 . cfly{s jif{ @)^&^* df a}+sn] cfos/ jfkt
g]kfn ;/sf/nfO{ ?= % s/f]8 $) nfvsf] e'QmfgL ;d]t u/]sf] 5 .
k|rlnt sDkgL sfg"g adf]lhd yk hfgsf/L
s_ cf}Bf]lus tyf Joj;foLs ;DaGw
a}+sn] cfkm';+u cf}Bf]lus tyf Joj;flos ;DaGw /fVg] ;Dk'0f{ ;+3 ;+:yfx?;+u Jofj;flos Pj+ ;f}xfb{k"0f{ ;DaGw sfod u/]sf]] 5 . a}+ssf] cGo
lgsfox?;+u sfod /x]sf] ;DaGwnfO{ Jofj;flostf tyf kf/blz{tfsf ;fy ;'b[9 agfp+b} nluPsf] 5 / cfufdL jif{x?df ;f]xL adf]lhd lg/Gt/tf
lbO{g]5 .
v_ sf/f]af/nfO{ c;/ kfg]{ d'Vo tTjx?

a}+ls If]qdf rls{b}+ uPsf] c:j:y k|lt:kwf{, vl:sbf] Aofj;flos jftfj/0f, k"FhL ahf/sf] irrational ptf/ r9fj, lgodgsf/L lgsfo af6 ;do
;dodf gLltdf x'g] kl/jt{g, a}+ls k|0ffnLdf lg/Gt/ b]lvg] t/ntf ;d:of, lgIf]k tyf shf{ nufgLsf] Aofhb/df x'g] kl/jt{g / ljZjJofkL
dGbLaf6 g]kfndf kg{ ;Sg] k|efj .
u_ n]vfk/LIf0f k|ltj]bgdf pNn]lvt ;+rfns ;ldltsf] k|lts[of
a}+ssf] lgoldt sf/f]jf/;+u ;DalGwt ;fdfGo s}lkmotx? afx]s n]vfk/LIf0f k|ltj]bgdf cGo s}lkmotx? /x]sf] 5}g . pQm s}lkmotx? tyf
n]vfk/LIfsn] lbPsf] ;'emfjx? k|lt ;+rfns ;ldlt ;hu /xg'sf] ;fy} cfufdL jif{x?df tL s}lkmotx? bf]xf]l/g glbg] Joj:yf ldnfpg]df
ljZj:t u/fpg rfxG5f}+ .
3_ nfef+z afF8kmfF8 ug{ l;kmfl/; ul/Psf] /sd
!) af]gz z]o/ tyf )=%# gub Nffef+z ljt/0f ug{ k|:tfj ul/Psf] 5 .
_ hkmt ul/Psf] z]o/ ;+Vof
o; cfly{s jif{df s'g} klg z]o/ hkmt ul/Psf] 5}g .
r_ a}+s / o;sf] ;xfos sDkgLn] u/]sf] k|ult ljj/0f
a}+ssf] s'g} ;xfos sDkgL g/x]sf] .
5_ a}+s / o;sf] ;xfos sDkgLn] u/]s]f sf/f]jf/
a}+ssf] s'g} ;xfos sDkgL g/x]sf] .
h_ a}+ssf] cfwf/e't z]o/wgLn] pknAw u/fPsf] hfgsf/L
s'g} klg hfgsf/L pknAw gu/fO{Psf] .
em_ ljut cfly{s jif{ ;Dddf a}+ssf ;+rfns tyf kbflwsf/Ln] u|x0f u/]sf] z]o/
cf=j=@)^&)^* df xsk|b z]o/x? afx]s a}+ssf ;+rfns tyf kbflwsf/Lx?n] cGo z]o/ lnPsf 5}gg\ .
`_ a}+s;+u ;DalGwt ;Demf}tfx?df s'g} ;+rfns tyf lghsf cfkmGtsf] AolQmut :jfy{ ;DaGwL hfgsf/L
s'g} :jfy{ /x]sf] 5}g .
6_ cfgf] z]o/ cfkm}n] vl/b u/]sf] eP ;f] sf] ljj/0f
a}sn] cfgf] z]o/ cfkm} vl/b gu/]sf] .
7_ cfGtl/s lgoGq0f k|0ffnL
a}+ls Joj;fodf lglxt shf{, Jofhb/, ;+3gtf, t/ntf, ahf/ tyf ;~rfng nufotsf hf]lvdx?sf] ;dLIff u/L a}+sn] cfjZos cfGtl/s
lgoGq0f k|0ffnL sfof{Gjog u/]sf] 5 . o; ;DaGwdf a}+ls sf/f]af/sf ;a} If]qdf cfjZos gLlt, lgodx? agfO{ sfof{Gjogdf NofOPsf] 5 .
To;}u/L a}+ssf sfdsf/afxLx? k|rlnt sfg'g adf]lhd eP/gePsf], cfGtl/s gLlt, lgodx?sf] k"0f{ kfngf eP/gePsf] olsg ug{ a}+sdf
:jtGq cfGtl/s n]vfk/LIf0f ljefu /x]sf] 5 . cfGtl/s n]vfk/LIf0f ljefu u}/sfo{sf/L ;+rfnssf] ;+of]hsTjdf ul7t n]vfk/LIf0f ;ldlt
dftxt /x]sf] 5 .
8_ Aoj:yfkg vr{sf] ljj/0f
s'n sd{rf/L vr{
s'n sfof{no ;+rfng vr{
? *!,%#!,!$!
? !!%,(^%,!*$
9_ n]vfk/LIf0f ;ldltsf ;b:ox?sf] gfdfjnL, lghx?n]

;f] ;ldltn] s'g} ;'emfj lbPsf] eP ;f] sf] ljj/0f
n]vfk/LIf0f ;ldltsf ;b:ox?sf] gfdfjnL lgDgfg';f/
>L ;'lzn s'df/ cof{n
>L pQd bf; >]i7
>L lszf]/ dNn
>L dbgnfn hf]zL
>L ;ljgf /fgf
k|fKt u/]sf] kfl/>lds, eQf tyf ;'ljwf, ;f] ;ldltn] u/]sf] sfd sf/jfxLsf] ljj/0f /
/x]sf]
;+of]hs
;b:o
;b:o
;b:o
;b:o ;lrj
u}/ sfo{sf/L ;~rfnssf] dftxtdf n]vfk/LIf0f ;ldlt u7g ul/Psf] 5 . o; ;ldltn] ;+:yfsf] cfly{s cj:yfsf] ;dLIff, cfGtl/s lgoGq0f /
n]vfk/LIf0f ;DaGwL sfo{qmd ;DaGwdf lgoldt ;dLIff, ;'kl/j]If0f / k'g/fjnf]sg u/L Joj:yfkgnfO{ cfjZos lgb]{zg lbg] u/]sf] 5 . n]vfk/LIf0f
;ldltn] cfGtl/s tyf afXo n]vfk/LIf0f k|ltj]bgdf pNn]v ul/Psf s}lkmotx? pk/ cfjZos 5nkmn u/L ;''wf/sf nflu Joj:yfkgnfO{ cfjZos
;'emfjx? lbg'sf ;fy} ;f]sf] hfgsf/L ;+rfns ;ldltnfO{ lgoldt ?kdf lbg] u/]sf] 5 . a}+ssf cfGtl/s / jfx\o n]vfk/LIfsx?n] o; ;ldltdf l;w}
kx'Fr /fVg] u/]sf 5g\ . ;ldltsf ;+of]hs Pj+ ;b:ox?nfO{ ;ldltsf] a}7sdf pkl:yt eP jfkt a}7s eQf :j?k ? *,))) e'QmfgL lbg] ul/Psf]
5.
$
0f_ ;+rfns, k|aGw ;+rfns, sfo{sf/L k|d'v, a}+ssf cfwf/e't z]o/wgL jf lghsf glhssf gft]bf/ jf lgh ;+nUg /x]sf] kmd{, sDkgL jf ;+u7Lt
;+:yfn] a}+snfO{ s'g} /sd a'emfpg afFsL eP ;f] s'/f
To:tf] s]xL /sd a'emfpg afls g/x]sf] .
t_ ;+rfns, k|aGw ;+rfns, sfo{sf/L k|d'v tyf kbflwsf/Lx?nfO{ e'QmfgL u/LPsf] kfl/>lds, eQf tyf ;'ljwfsf] ljj/0f
k|d'v sfo{sf/L clws[tnfO{ k|bfg u/]sf] tna, eQf tyf cGo ;'ljwfx? lgDgfg';f/ /x]sf] 5 .
-s_ s"n jflif{s tnj, eQf
?=!,!&,@@,%))=))
-v_ o; cf=j= df k|bfg ul/Psf] sfo{ ;Dkfbgdf cfwfl/t kfl/>lds

!= sd{rf/L af]g;
@= cf=j= @)^^^& sf] d'gfkmfaf6 k|f]T;fxg ;'ljwf
#= cGo /sd
?=$@,$^,)))=))
?=*!,^*,^&)=@&
-u_ cGo ;'ljwfx?

!= rfns, OGwg tyf dd{t ;Def/ ;lxt ;jf/L ;fwg pknAw u/fO{Psf] 5 .
@= a}+ssf] lgod adf]lhd b'3{6gf aLdf ul/Psf] 5 .
#= kq klqsf pknAw u/fOPsf] 5 .
$= df]afO{n kmf]g pknAw u/fO{Psf] 5 .
-3_ o; cf=j= sf] s"n sd{rf/L vr{
?=*,!%,#!,!$!=))
pk/f]Qm kfl/>ldsdf nfUg] cfos/ jfkt cf= j= @)^&^* df ?=*),!#,$*$=%( sL u/L cfGtl/s /fhZj sfof{nodf a'emfO{Psf] 5 .
;+rfns tyf cGo sfo{sf/L kbflwsf/LJoj:yfksx?sf] jflif{s tna, eQf tyf ;'ljwfx? M
qm=;=
!
@
ljj/0f
a}7s eQf
tna tyf eQf
hDdf ;+Vof
;+rfns
!^,@),)))
cGo sfo{sf/L kbflwsf/L Joj:yfks
#,&&,)$,^@!=**
!%
;~rfns ;ldlt a}7s jfkt ;ldltsf cWoIfnfO{ k|lt a}7s ? !),))) tyf cGo ;b:ox?nfO{ k|lt a}7s ?=*,))) a}7s eQf k|bfg
ug]{ ul/Psf] 5 . To:t} cWoIfsf] df]afO{n kmf]gsf] vr{ k|lt dlxgf ?=$,))) df ga9g] u/L tyf cGo ;b:ox?sf] df]afO{n kmf]gsf] vr{ k|lt
dlxgf ?=#,))) df ga9g] u/L e'QmfgL ug]{ ul/Psf] 5 . ;~rfns ;ldltsf cWoIf Pj+ ;b:ox?nfO{ k|lt dlxgf ?=&,))) sf b/n] kq
klqsf vr{ jfkt k|bfg ug]{ ul/Psf] 5 . ;fy} k|To]s ;~rfnssf] ?= #) nfvsf] ;fd"lxs b'3{6gf aLdf u/LPsf] 5 .
Tfnj tyf eQf afx]s gfoa k|d'v sfo{sf/L clws[t tyf cGo sfo{sf/LJoj:yfksnfO{ lgDg adf]lhdsf ;'ljwfx? k|bfg ul/Psf] 5M
!= gfoa k|d'v sfo{sf/L clws[tnfO{ rfns, OGwg tyf dd{t ;Def/ ;lxt ;jf/L ;fwg pknAw u/fO{Psf] 5 . cGo Joj:yfksx?nfO{ a}+ssf]
lgodfg';f/ ;jf/L ;fwg pknAw u/fOPsf] 5 .
@= a}+ssf] lgod adf]lhd b'3{6gf aLdf ul/Psf] 5 .
#= a}+ssf] lgod cg';f/ df]afO{n kmf]gsf] ;'ljwf pknAw u/fO{Psf] 5 .
#= gfoa k|d'v sfo{sf/L clws[tnfO{ kq klqsf pknAw u/fOPsf] 5 .
$= gfoa k|d'v sfo{sf/L clws[tnfO{ ;+rfns ;ldltaf6 :jLs[t d'gfkmfdf cfwfl/t k|f]T;fxg ;'ljwf tyf af]g; ;'ljwfx? pknJw u/fOPsf]
5.
y_ z]o/wgLx?n] a'lemlng afFsL /x]sf] nfef+z .
z]o/wgLx?n] a'lemlng afFsL nfef+zsf] /sd g/x]sf] .
b_ bkmf !$! adf]lhd ;DklQ vl/b jf laqmL u/]sf] s'/fsf] ljj/0f .
bkmf !$! adf]lhd ;DklQ vl/b jf laqmL gu/]sf] .
w_ bkmf !&% adf]lhd ;Da4 sDkgLaLr ePsf] sf/f]af/sf] ljj/0f .
bkmf !&% adf]lhdsf] sf/f]af/ gePsf] .
lwtf]kq btf{ tyf lgisfzg lgodfjnLsf] lgod @@-!_ ;+u ;Da4 yk ljj/0fx? M
s sfg"gL sf/jfxL ;DaGwL ljj/0fM
!_ ;ldIff cjlwdf a}+sn] jf a}+ssf] lj?4 s'g} d'2f bfo/ ePsf] ePM
a}+ssf] sf/f]jf/sf] l;nl;nfdf x'g] ;fdfGo d'2f afx]s cGo tflTjs c;/ kg]{ d'2f bfo/ gePsf] .
@_ a}+ssf] ;+:yfks jf ;~rfnsn] jf ;+:yfks jf ;~rfnssf] la?4df k|rlnt lgodsf] cj1f jf kmf}hbf/L ck/fw u/]sf] ;DaGwdf a}+sn]
d'2f bfo/ u/]sf] jf ePsf] ePM
To:tf] s'g} ljj/0f k|fKt gePsf] .
#_ s'g} ;+:yfks jf ;~rfns lj?4 cfly{s ck/fw u/]sf] ;DaGwdf s'g} d'2f bfo/ ePsf] ePM
To:tf] s'g} ljj/0f k|fKt gePsf] .
v_ ;+ul7t ;+:yfsf] z]o/ sf/f]jf/ tyf k|ultsf] ljZn]if0f M
!_ lwtf]kq ahf/df ePsf] a}+ssf] z]o/sf] sf/]fjf/ ;DaGwdf Joj:yfkgsf] wf/0ffM
z]o/ d"No / sf/f]af/sf] lgwf{/0f g]kfn :6s PS:r]Gh lnld6]8sf] v'Nnf ahf/df lge{/ x'g] ePsf]n] o;df Joj:yfkgsf] leGg wf/0ff
g/x]sf] .
@_ o; cjlwsf] z]o/sf] clwstd, Go'gtd, clGtd d"No , sf/f]af/ ePsf] s'n lbg tyf sf/f]af/ ;+Vof M
ljj/0f
clwsQd d"No-?_
Go"gtd d"No-?_
clGtd d"No-?_
z]o/ sf/f]af/ ;+Vof
z]o/ sf/f]jf/ lbg
cflZjg d;fGt @)^&

#)#
@$$
@$%
^$,$(&
%^
kf}if d;fGt @)^&

@^*
@)(
@@$
%(,!!)
$*
r}q d;fGt @)^&

@$*
@))
@!)
%),&*$
$^
cfiff9 d;fGt @)^*

@$%
!%!
@@!
%*,(()
%&
Uf_ ;d:of / r'gf}tLM

!_ cfGtl/s M
x lgIf]kdf a9\b} uPsf]] Aofhb/ cg'?k shf{ tyf nufgLdf k|ltkmn sfod /fVg' .
x hgzlQm Joj:yfkg .
x lg/Gt/ a9\b} uO/x]sf] ;~rfng vr{ .
@_ afXoM
x nufgLsf cj;/x? / If]qx? ;+s'lrt x'b} hfg' .
x /fhgLlts cl:y/tf .
x c:j:y k|lt:kwf{ .
#_ /0fgLlt M
x ahf/sf] cj:yf cg'?k Aofhb/ ;dfof]hg ug]{ .
x hgzlQm Joj:yfkg tkm{ Wofg lbO{ bIf hgzlQm lgo'Qm u/L sfod /fVg] .
x ;~rfng vr{sf] Joj:yfkg u/L cgfjZos vr{ s6f}tL ug]{ .
x shf{ tyf nufgLsf] dfqfdf geO{ To;sf] u'0f:t/df Wofg lbg] .
x gofF Aofj;flos If]qx?sf] vf]hL .
x hf]lvd Joj:yfkgsf nflu cfGtl/s lgoGq0f k|0ffnLsf] ;'b[l9s/0f .
x ;+:yfut ;'zf;gsf] ;'b[9Ls/0f .
x ;]jfsf] u'0f:t/ tyf pTkfbsTj j[l4 ug]{ .
wGojfb 1fkg M
cGtdf, o; a}+ssf ;Dk"0f{ z]o/wgL dxfg'efjx?, u|fxs ju{, tyf ljleGg txdf sfo{/t sd{rf/Lx?, g]kfn /fi6 a}+s, sDkgL /lhi6f/sf] sfof{no,
g]kfn lwtf]kq af]8{, g]kfn :6s PS;r]Gh lnld6]8, n]vfk/LIfs, a}+ssf z]o/ /lhi6f/, gful/s nufgL sf]if, sfg'gL ;Nnfxsf/ nufot a}+s;+u
;DalGwt ;Dk"0f{ ;+3 ;+:yf tyf dxfg'efjx? k|lt jxfFx?n] k|bfg ug'{ePsf] cd"No ;xof]usf nflu xflb{s cfef/ tyf s[t1tf JoSt ub}{ xfn a}+sn]
kfO/x]sf] ;befj tyf ;xof]u lg/Gt/ ?kdf kfO/xg]5 eGg] ljZjf; JoQm ub{5f}+ .
k|sfz >]i7
cWoIf
^
&

jf;nft
2068 ;fn cfifF( d;fGt
jf;nft
k"+hL tyf bfloTj
cg';"rL
1= z]o/ k"hL
k"+hL tyf bfloTj
2= hu]*f tyf sf]ifx?
o; jif{ ?=
4=1
cg';"rL
4=2
ut jif{ ?=
1,430,000,000
o; jif{ ?=
419,169,124
1,294,547,600
ut jif{ ?=
161,038,610
3=
C)fkq tyf aG*
4=3
4=
ltg{ afls shf{ ;fk^
4=4
5=
lgIf]k bfloTj
4=5
6,772,996,124
5,767,973,285
6=
e'QmfgL lbg'kg]{ ljnx?
4=6
6,229,116
10,303,419
7=
k|:tfljt gub nfefz
8=
cfos/ bfloTj
9=
cGo bfloTj
14,971,639
6,842,105
4=7
s'n bfloTj
193,820,590
161,590,443
8,829,057,059
7,410,424,996
s'n bfloTj
;DklQ
cg';"rL
8,829,057,059
o; jif{ ?=
7,410,424,996
ut jif{ ?=
1= gub df}Hbft
;DklQ
2= g]kfn /fi^ a}+sdf /x]sf] df}Hbft
4=8
cg';"rL
4=9
293,318,259
o; jif{ ?=
720,933,340
198,536,914
ut jif{ ?=
561,334,515
4=10
85,829,470
70,639,782
3=
a}+sljQLo ;+:yfdf /x]sf] df}Hbft
4=
dfu tyf cNk ;"rgfdf k|fKt x'g] /sd
4=11
5=
nufgL
4=12
1,332,993,899
1,078,895,825
6=
shf{ ;fk^ tyf ljn v/Lb
4=13
6,111,976,880
5,107,263,691
7=
l:y/ ;DklQ
4=14
100,647,255
66,622,420
8=
u}/ a}ls ;DklQ
4=15
9=
cGo ;DklQ
4=16
147,708,572
s'n ;DklQ
183,357,957
179,423,277
8,829,057,059
7,410,424,996
7,410,424,996
s'n ;DklQ
;+efljt bfloTj
cg';"rL
8,829,057,059
4=17
;~rfnsx?sf] #f]if)ff
cg';"rL
4=29
k"hLsf]if tflnsf
cg';"rL
4=30 -s 1_
hf]lvd efl/t ;DklQ ;DaGwL ljj/)f tflnsf
cg';"rL
$=#) -v_,-u_,-3_,-_
k|d'v ;'rsfx?
cg';"rL
4=31
k|d'v n]vf gLltx?
cg';"rL
4=32
n]vf;DaGwL l^Kk)fLx?
cg';"rL
4=33
xfd|f] pQm ldltsf] %'}
;+nUg k|ltj]bg cg';f/
4=1 b]lv 4=17, 4=32 tyf 4=33 cg'';"rLx? Jff;nftsf cleGg c+u x'g\ .
l;=P= rGb|/fh zdf{
>j)f df:s]
zf]eg b]j kGt
k|sfz >]i&
l;=P= vu]Gb| e/fO{
k|d'v ;~rfng clws[t
gfoj k|d'v sfo{sf/L clws[t
k|d'v sfo{sf/L clws[t
cWoIf
vu]Gb| P)* P;f]l;P^\;

rf^{*{ Psfp)^])^\;
;'j)f{ nfn >]i&
z'lzn s'df/ cof{n
lszf]/ dNn
/fdsfhL sf]g]
dbgnfn hf]zL
pQdbf; >]i&
lbJolglw lji^
;~rfns
;~rfns
;~rfns
;~rfns
;~rfns
;~rfns
;~rfns
:yfgMsf&df*f}+
ldltM 2068518
gfkmf gf]S;fg lx;fj
jf;nft
ldlt
>fj)F d;fGt
1 b]lv 2068 cfifF( 32 ;Dd
20682067
;fn cfifF(
jf;nft
ljj/)f
k"+hL tyf;fn
bfloTj
2068
cfifF( d;fGt
cg';cg'
"rL;"rL
AofhbfloTj
cfDbfgL
k"+hL tyf
1=
Aofh vr{
2=
o; o;
jif{ jif{
?= ?=
ut jif{
jif{ ?=
?=
ut
cg';"rL
4=18
o; jif{ ?=
942,742,252
ut jif{ ?=
713,356,716
4=19
519,078,730
336,201,312
423,663,523
377,155,404
v'b Aofh cfDbfgL
3=
sldzg tyf l*:sfp)^
4=20
16,193,491
18,633,964
4=
cGo ;~rfng cfDbfgL
4=21
16,448,854
36,070,952
5=
;^xL #â( cfDbfgL
4=22
11,232,410
16,454,628
467,538,278
448,314,948
s'n ;~rfng cfDbfgL
sd{rf/L vr{
6=s'n bfloTj
4=23
cGo ;~rfng vr{

s'n bfloTj
7=
4=24
8=
;DklQ;^xL #â( gf]S;fg
4=22
cg';"rL
;Defljt
gf]S;fgL Joj:yf cl#sf] ;~rfng d'gfkmf
;DklQ
;Defljt gf]S;fgL Aoj:yfx?
9=
81,531,141
8,829,057,059
67,357,005
7,410,424,996
115,965,184
8,829,057,059
78,913,165
7,410,424,996
o; - jif{ ?=
ut jif{- ?=
270,041,953
o; jif{ ?=
cg';"rL
4=25
;~rfng d'gfkmf
302,044,778
ut jif{ ?=
44,237,869
66,230,043
225,804,085
235,814,735
10=
u}/ ;~rfng cfDbfgLvr{
4=26
1,622,572
1,644,299
11=
;Defljt gf]S;fgL Aoj:yfaf^ lkmtf{
4=27
382,976,774
344,749,926
610,403,430
582,208,960
lgoldt sf/f]jf/af^ ePsf] d'gfkmf
c;fdfGo sf/f]jf/x?af^ ePsf] cfDbfgLvr{

12=
s'n ;DklQ
4=28
(96,024,258)
8,829,057,059
;Dk"
sf/f]]jf/ ;dfj]z kl%sf] v'b d'gfkmf
s'n )f{;DklQ
(72,234,614)
7,410,424,996
514,379,172
8,829,057,059
509,974,346
7,410,424,996
13=
sd{rf/L af]g; Aoj:yf
46,761,743
46,361,304
14=
cfos/ Aoj:yf
77,924,115
159,547,736
o; jif{sf] s/ Aoj:yf
51,408,353
79,920,472
ljut jif{;Ddsf] s/ Aoj:yf
o; jif{sf] :yug s/ vr{
v'b gfkmf-gf]S;fg_
113,794
26,515,762
79,513,470
389,693,313
304,065,306
4=18 b]lv 4=28, 4=32 tyf 4=33 cf}+ cg';"rLx? Gffkmf gf]S;fg lx;fjsf cleGg c+u x'g\ .
l;=P= rGb|/fh zdf{
>j)f df:s]
zf]eg b]j kGt
k|sfz >]i&
l;=P= vu]Gb| e/fO{
k|d'v ;~rfng clws[t
cWoIf

rf^{*{ Psfp)^])^\;
;'j)f{ nfn >]i&
z'lzn s'df/ cof{n
lszf]/ dNn
/fdsfhL sf]g]
dbgnfn hf]zL
pQdbf; >]i&
lbJolglw lji^
;~rfns
;~rfns
;~rfns
;~rfns
;~rfns
;~rfns
;~rfns
:yfgMsf&df*f}+
ldltM 2068518

jf;nft
gfkmf
S;fg
af*d;fGt
kmf* lx;fj
2068 gf]
;fn
cfifF(
k"jf;nft
+hL tyf
bfloTj
ldlt
2067
>fj)F 1 b]lv 2068 cfifF( 32 ;Dd
cg';"rL
ljj/)f
k"+hL tyf bfloTj
cfDbfgL
cg';"rL
cg';"rL
1=
ut jif{;Ddsf] ;+lrt d'gfkmf
2=
o; jif{sf] d'gfkmf
3=
;^xL #â( sf]if
o; jif{ ?=
ut jif{ ?=
o; jif{ ?=
o; jif{ ?=
ut jif{ ?=
ut jif{ ?=
389,693,313
304,065,306
389,693,313
hDdf
304,065,306
vr{
1= ut jif{;Ddsf] ;+lrt gf]S;fg
s'n bfloTj
2= o; jif{sf] gf]S;fg
179,045,817
8,829,057,059
-
336,779,289
7,410,424,996
-
3=s'n ;fwf/)f
bfloTj hu]*f sf]if
;DklQ
4= e}k/L cfpg] hu]*f
cg';"rL
77,938,663
8,829,057,059
o; jif{ ?=
-
60,813,061
7,410,424,996
ut jif{ ?=
-
5=;DklQ
;+:yf ljsf; sf]if
cg';"rL
o; jif{
- ?=
ut jif{- ?=
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/
6,842,105
130,000,000
10= ljz]if hu]*f sf]if
11= ;^xL #â( sf]if
161,775
12= k"hL lkmtf{ hu]*f sf]if

s'n ;DklQ
13= k"hL ;dfof]hg sf]if
8,829,057,059
-
7,410,424,996
-
14=
s'n :yug
;DklQs/ ;DklQ -ut cf=j=;Ddsf]_ ;dfof]hg
8,829,057,059
7,410,424,996
(26,515,762)
85,317,612
15= :yug s/ hu]*f

16= nufgL ;dfof]hg sf]if
hDdf
15= ;+lrt d'gfkmf-gf]S;fg_
1,332,840
201,160
368,805,438
483,111,122
20,887,875
(179,045,817)

l;=P= rGb|/fh zdf{
>j)f df:s]
zf]eg b]j kGt
k|sfz >]i&
l;=P= vu]Gb| e/fO{
k|d'v ;~rfng clws[t
cWoIf

rf^{*{ Psfp)^])^\;
;'j)f{ nfn >]i&
z'lzn s'df/ cof{n
lszf]/ dNn
/fdsfhL sf]g]
dbgnfn hf]zL
pQdbf; >]i&
lbJolglw lji^
;~rfns
;~rfns
;~rfns
;~rfns
;~rfns
;~rfns
;~rfns
:yfgMsf&df*f}+
ldltM 2068518
!)

gub k|jfx ljj/)f
ldlt 2067 >fj)F 1 b]lv 2068 cfifF( 32 ;Dd
ljj/)f
jf;nft
jf;nft
sf/f]af/
-s_
o; jif{ ?=
;+rfngaf^ gub k|jfx
ut jif{ ?=
299,944,780
2068 ;fn cfifF(

cfifF( d;fGt
d;fGt
1= 2068
gub ;fn
k|flKt
(289,756,159)
1,046,933,955
k"+hL tyf bfloTj
cg';"rL
cg';"rL
tyf cfDbfgL
bfloTj
1=1k"+hL Aofh
774,510,191
o; jif{ ?=
ut jif{ ?=
929,587,214
o; jif{ ?=
700,494,177
ut jif{ ?=
1=2
sldzg tyf l*isfp)^ cfDbfgL
16,193,491
18,633,965
1=3
ljb]zL ljlgdo sf/f]jf/af^ cfDbfgL
10,585,309
17,180,936
1=4
ckn]lvt shf{sf] c;'nL
72,685,964
631,591
1=5
cGo cfDbfgL
17,881,977
37,569,521
2=
gub e'QmfgL
794,189,145
599,234,399
519,078,730
336,201,312
77,264,712
66,729,278
2=1
Jofh vr{
2=2
sd{rf/L vr{
2=3
sfof{no ;~rfng vr{
93,362,340
66,470,273
2=4
cfos/ e'QmfgL
58,122,060
83,270,020
2=5
cGo vr{
46,361,304
46,563,515
sfo{ut k"hL - Working Capital_ultljlw cl#sf] gub k|jfx
252,744,810
s'n bfloTj
1=
dfu tyf cNk ;"rgfdf k|fKt x'g] /sddf sdL-j[l$_
3=
shf{ tyf ljN; v/Lbdf sdL-j[l$_

cGo ;DklQdf sdL-j[l$_
147,708,572
cg';"rL
cg';"rL
;+rfng ;DaGwL rfn" bfloTjdf -sdL_j[$L

1=
lgIf]k bfloTjdf -sdL_j[l$
2=
;l^{lkms]^ ckm l*kf]lh^df -sdL_j[l$
3=
cNksfnLg ;fk^Ldf -sdL_j[l$
4=
cGo bfloTjdf -sdL_j[l$
-v_
nufgL sf/f]jf/df gub k|jfx
1=
bL#{sfnLg nufgLdf sdL-j[l$_
2=
3=
7,410,424,996
7,410,424,996
175,372,637
8,829,057,059
(966,591,825)
2=;DklQ
cGo cNksfnLg nufgLdf sdL-j[l$_
;DklQ
4=
175,275,792
8,829,057,059
;+s'rn
fngbfloTj
;DaGwL rfn" ;DklQdf sdL-j[$L_
(97,015,797)
o; jif{ ?=
(255,920,035)
o; jif{ ?=
ut jif{ ?=
184,398,952
ut jif{ ?=
(893,881,222)
113,048,152
35,500,860
(25,058,669)
1,013,791,795
(640,404,587)
1,005,022,839
(674,319,434)
(14,971,639)
(4,565,861)
23,740,595
38,480,708
(41,753,729)
(21,643,029)
(0.00)
(1,753,039)
:yL/ ;DklQdf sdL-j[l$_
(56,627,678)
(32,898,259)
bL#{sfnLg nufgLdf Aofh cfDbfgL
14,684,500
n ;DklQ
4=s'
z cfDbfgL
s'n nfef+
;DklQ
12,862,539
8,829,057,059
189,449
8,829,057,059
5=
cGo
-u_
ljQLo >f]t sf/f]jf/af^ gub k|jfx
7,410,424,996
145,730
7,410,424,996
10,731,706
198,469,100
10,731,706
198,469,100
1=
bL#{sfnLg C)f -j)*, l*j]Gr/ cflb_ df j[l$ -sdL_
2=
z]o/ k"hLdf j[l$ -sdL_
3=
cGo bfloTjdf j[l$-sdL_
4=
g]kfn /fi^ a}+saf^ k|fKt ;x'lnotk'g/shf{df j[l$ -sdL_
-#_
gub tyf a}+s df}Hbftsf] ljlgdo b/df ePsf] km/saf^ cfDbfgL vr{
-_
o; jif{sf] ;Dk")f{ utljlwaf^ gub k|jfx
-r_
gub tyf a}+sdf /x]sf] z'? df}Hbft
-%_
gub tyf a}}+sdf /x]sf] clGtd df}Hbft
647,102
(726,309)
269,569,858
(113,656,397)
830,511,211
944,167,609
1,100,081,069
830,511,211

l;=P= rGb|/fh zdf{
>j)f df:s]
zf]eg b]j kGt
k|sfz >]i&
l;=P= vu]Gb| e/fO{
k|d'v ;~rfng clws[t
cWoIf

rf^{*{ Psfp)^])^\;
;'j)f{ nfn >]i&
z'lzn s'df/ cof{n
lszf]/ dNn
/fdsfhL sf]g]
dbgnfn hf]zL
pQdbf; >]i&
lbJolglw lji^
;~rfns
;~rfns
;~rfns
;~rfns
;~rfns
;~rfns
;~rfns
:yfgMsf&df*f}+
ldltM 2068518
!!
!@
;~rfns
ldltM 2068518
:yfgMsf&df*f}+
z'lzn s'df/ cof{n
;~rfns
;~rfns
lszf]/ dNn
;~rfns
/fdsfhL sf]g]
1,332,840
(26,515,762)
pQdbf; >]i&
;~rfns
;~rfns
cWoIf
k|sfz >]i&
dbgnfn hf]zL
;'j)f{ nfn >]i&
161,775
85,317,612
201,160
85,317,612
201,160
201,160 85,317,612
85,317,612
201,160
5,279,306 1,831,077
1,534,000 58,801,850
5,279,306
5,279,306 1,831,077
1,831,077 1,534,000
1,534,000 58,801,850
58,801,850
k|d'v ;~rfng clws[t
- -
1,669,301
1,669,301
1,669,301
1,669,301
zf]eg b]j kGt
(77,938,663)
77,938,663
20,887,875 330,835,016
20,887,875
20,887,875 330,835,016
330,835,016
5,279,306
- -
>j)f df:s]
1,430,000,000
1,430,000,000
1,430,000,000
(1,332,840)
(161,775)
(6,842,105)
(130,000,000)
- -
z]o/
;^xL #â(
nufgL
:yug s/
z]oz]/o/ ;^xL
#â(
nufgL
:yug
s/
;^xL
#â(
nufgL
:yug
lk|ldod
sf]if
dfof]hg sf]if
hu]*s/
f
lk|llk|
dod
sf]sf]
if if
;dfof]
hghgsf]sf]
if if
hu]hu]
*f*f
ldod
dfof]
l;=P= rGb|/fh zdf{
;fwf/)f hu]*f sf]ifdf /sdfGt/

clGtd df}Hbft
clGtd
bft
clGtddf}Hdf}
Hbft
nufgL ;dfof]hg sf]if
;^lx #â( sf]if
k|:tfljt gub nfef;+
130,000,000
26,515,762
:yug s/ ;dfof]hg
k|:tfljt jf]gz z]o/
389,693,313
5,452,400
o; cf=j=sf] v'b cfDbfgL
xsk|b z]o/ hf/L
1,294,547,600 (179,045,817) 252,896,353

1,294,547,600
1,294,547,600 (179,045,817)
(179,045,817) 252,896,353
252,896,353
252,896,353
:yug s/
;dfof]lht z'? df}Hbft
;dfof]
lht
bft
;dfof]
lhtz'?z'?df}Hdf}
Hbft
;dfof]hg
;dfof]
h
g
;dfof]hg
(179,045,817)
1,294,547,600
z]o/ k"hL
z]oz]/o/k"hk"L hL
;l~rt gf=gf]=
fwf/)f hu]*F
k"hLut
hu]hu]
*F*F k"hk"Lut
;l~rt
= = ;fwf/)f
;l~rtgf=gf]
gf=gf]
fwf/)f
sf]if
u]*hFLut
sf]if
sf]sf]
if if
hu]*u]F*Fsf]sf]
if if
z'? df}Hbft
ljj/)f
ljj/)f
ljj/)f
OSjL^Ldf ePsf] kl/jt{g ;DaGwL ljj/)f

OSjL^Ldf
g g;DaGwL
OSjL^LdfePsf]
ePsf]kl/jt{
kl/jt{
;DaGwLljj/)f
ljj/)f
cf=j=206768
cf=j=206768
cf=j=206768
1,849,169,124
1,849,169,124
1,849,169,124
(6,842,105)
389,693,313
10,731,706
1,455,586,210
1,455,586,210
1,455,586,210
-
1,455,586,210
;~rfns
lbJolglw lji^
rf^{*{ Psfp)^])^\;
l;=P= vu]Gb| e/fO{
- -
- -
cGo
s'n /sd -?=_
cGo
s'ns'n/sd
cGo
/sd-?=_-?=_
hu]*f
hu]hu]
*f f
tyf *
sf]if
tyf
if if
tyfsf]sf]
cg';"rL $=!
z]o/ k"hL tyf :jfldTj

-2068 cfifF( d;fGt_
ljj/)f
1=
1=1
clws[t k"hL
1,600,000,000
1,600,000,000
1,600,000,000
u_ ============ l/l*d]jn lk|km/]G; z]o/ k|lt z]o/ ?= ============= n]
hf/L k"hL
1,300,000,000
1,300,000,000
1,300,000,000
1,300,000,000
v_ ============ gg\l/l*d]jn lk|km/]G; z]o/ k|lt z]o/ ?= ============= n]
r'Qmf k"hL
s_ 13,000,000 ;fwf/)F z]o/ k|lt z]o/ ?= 100 n]
1=4
1=5
k|:Tffljt af]g; z]o/

sN; O{g P*efG;
1=6
hDdf /sd -1=3 +1=4+1=5_
z]o/ :jfldTj ljj/)f

1=
1,600,000,000
s_ 13,000,000 ;fwf/)F z]o/ k|lt z]o/ ?= 100 n]
1=3
ut jif{ ?=
z]o/ k"hL
s_ 16,000,000 ;fwf/)F z]o/ k|lt z]o/ ?= 100 n]
1=2
o; jif{ ?=
:jb]zL :jfldTj
1,300,000,000
1,294,547,600
1,300,000,000
1,294,547,600
130,000,000
1,430,000,000
o; aif{
k|ltzt
100.00
1,294,547,600
ut aif{
z]o/ k"hL ?=
1,300,000,000
z]o/ k"hL ?=
1,294,547,600
k|ltzt
100.00
1=1
g]kfn ;/sf/
1=2
s ju{sf Ohfhtkqk|fKt ;+:yfx?
1=3
cGo Ohfhtkqk|fKt ;+:yfx?
0.76
10,000,000
10,000,000
0.77
1=4
cGo ;+:yfx?
53.82
699,598,300
708,598,300
54.74
45.42
590,401,700
575,949,300
44.49
1=5
;j{;fwf/)f
1=6
cGo
2=
a}b]lzs :jfldTj
hDdf
100.00
1,300,000,000
1,294,547,600
100.00
dfly cg';"rLdf plNnlvt ljj/0f cGtu{t )=% jf ;f] eGbf a9L z]o/ :jfldTj ePsf AolQm;d"xkmd{sDkgLsf ljj/0f
:jb]zL :jfldTjM
z]o/wgLsf] gfd
>L sd{rf/L ;~ro sf]if

>L dn snz OGe]i6d]06 k|f= ln=
>L gfu/Ls nufgL sf]if
>L l;6f}nf OGe]:6d]G6 k|f=ln=
>LdtL dGh' cu|jfn
>L u08sL 6';{ P08 6feN; k|f=ln=
>L ef6e6]lg ;'k/dfs]{6 k|f=ln=
>L x]6f}+8f O{Ge]:6d]G6 P08 6]l8 s+=k|f=ln=
>L drfg jfO{N8 nfO{km l/;f]6{ k|f=ln=
>L zlQm uf]Nofg
>L zf]eg b]j kGt
>L ho u0f]z O{Ge]:6d]G6 k|f=ln=
>L uf]kfn ;'Gb/ nfn sIfklt
>L g]kfn kmfO{gfG; P08 ;]le s=ln=
>L /fhf/fd hf]zL
>L l;l6hg o'lg6 :sLd
>L >j0f df:s]
>L gfdvf nfdf
>L lgd{n k|wfg
o; jif{
k|ltzt
14.55
12.16
8.50
5.05
3.87
3.75
3.42
3.00
2.52
1.75
0.82
0.82
0.76
0.76
0.76
0.74
0.73
0.69
0.50
z]o/ ;+Vof
1,892,054
1,580,591
1,105,000
656,982
506,749
487,500
444,167
390,000
327,100
227,500
107,592
106,089
100,000
100,000
99,877
97,500
95,823
90,000
65,000
z]o/ /sd ?=
189,205,400
158,059,100
110,500,000
65,698,200
50,674,900
48,750,000
44,416,700
39,000,000
32,710,000
22,750,000
10,759,200
10,608,900
10,000,000
10,000,000
9,987,700
9,750,000
9,582,300
9,000,000
6,500,000
k|ltzt
14.62
12.21
8.54
5.07
3.91
3.77
3.43
3.01
2.53
1.76
0.83
1.51
0.77
0.77
0.77
0.75
0.74
0.50
!#
cg';"rL $=@
hu]*f tyf sf]ifx?

(2068 cfiff( d;fGt_
ljj/)f
o; jif{ ?=
ut jif{ ?=
330,835,016
252,896,353
1=
;fwf/)fj}wflgs hu]*f sf]if
2=
k"hLut hu]*F sf]if
5,279,306
2=1
5,279,306
z]o/ lk|ldod
3=
k"hL lkmtf{ hu]*F sf]if (Capital Redemption Reserve)
4=
k+"hL ;dfof]hg sf]if
5=
cGo hu]*f tyf sf]if

5=1
e}k/L cfpg] hu]*f
5=2
5=3
;+:yf ljsf; sf]if

nfef+z ;lds/)f sf]if
5=4
5=5
5=6
ljz]if hu]*f sf]if

;DklQ k'gd"{Nofg sf]if
:yug s/ hu]*f
5=7
5=8
cGo :jtGq sf]if

cGo hu]*f sf]if
6=
5=9
;l~rt gfkmf-gf]S;fg_
7=
;^xL #â( sf]if
hDdf
60,335,850
-
85,518,772
-
58,801,850
85,317,612
1,534,000
20,887,875
201,160
(179,045,817)
1,831,077
1,669,301
419,169,124
161,038,610
C)f kq tyf a)*
cg';"rL 4=3
-2068 cfiff( d;fGt _

o; jif{ ?=
ljj/)f
1=
================C)f k|ltzt j)*C)fkq k|lt j)*C)fkq =====?= n] ===
ut jif{ ?=
ldlt ===================== df hf/L ePsf] / ldlt ========== df r'Stf x'g]

xfn;Ddsf] Redemption Reserve /sd ?= ============================_
2=
=======================k|ltzt j)*C)fkq k|lt j)*C)fkq =====?= n] ===

==== ldlt ===================== df hf/L ePsf] / ldlt ========== df r'Stf x'g]
xfn;Ddsf] Redemption Reserve /sd ?= ============================_
3=
==================
4= hDdf 123
ltg{ af+ls shf{ -;fk^L_
cg';"rL 4=4
-2068 cfiff( d;fGt _

o; jif{ ?=
ljj/)f
s=
:jb]zL
g]kfn ;/sf/
g]kfn /fi^ a}+s
5=
l/kf] bfloTj
cGt/ a}+s tyf ljQLo ;+:yf
cGo ;+ul&t ;+:yfx?
6=
cGo
1=
2=
3=
4=
hDdf
v=
14,971,639
14,971,639
ljb]zL
1=
a}+sx?
2=
cGo
hDdf
u= hDdf -sv_
!$
ut jif{ ?=
14,971,639
lgIf]k lx;fa
cg';"rL 4=5
-2068 cfifF( d;fGt_

ljj/)f
1=
o; jif{ ?=
ut jif{ ?=
Aofh ltg'{ gkg]{ vftfx?

s=
rNtL lx;fa
301,595,445
364,000,161
1=
:jb]zL d'b|fdf
261,669,063
350,666,324
1=1
g]kfn ;/sf/
1=2
s ju{sf Ohfhtkq k|FKt ;+:yfx?
6,241,041
22,082,923
1=3
cGo Ohfhtkq k|fKt ljQLo ;+:yfx?
44,441,787
43,670,857
1=4
cGo ;+ul&t ;+:yfx?
169,928,045
209,128,460
1=5
JolQmut
41,058,189
75,784,085
1=6
cGo
2=
lab]zL d'b|fdf
39,926,382
13,333,837
2=1
g]kfn ;/sf/
2=2
41,328
2=3
2=4
cGo ;+ul&t ;+:yfx?
2=5
JolQmut
2=6
cGo
v=
dflh{g
5,485,694
34,440,689
13,292,508
44,214,782
36,518,205
1=
sd{rf/L hdfgt
2=
hdfgt dflh{g
20,540,793
20,555,788
3=
k|lttkq dflh{g
23,673,989
15,962,417
u=
cGo
2,475,500
190,000
1=
:jb]zL d'b|fdf
2,475,500
190,000
1=1
ljQLo ;+:yfx?
1=2
cGo ;+ul&t ;+:yfx?
1=3
JolQmut
15,000
1,513,500
947,000
190,000
2=
lab]zL d'b|fdf
2=1
ljQLo ;+:yfx?
2=2
2=3
cGo ;+ul&t ;+:yfx?

JolQmut
Aofh ltg'{ gkg]{ vftfx?sf] hDdf
348,285,728
400,708,365
qmdzM
!%

ljj/)f
2=
o; jif{ ?=
ut jif{ ?=
Aofh ltg'{ kg]{ vftfx?

s=
art lx;fa
2,035,101,044
2,110,114,802
1=
:jb]zL d'b|fdf
2,018,256,432
2,082,029,439
1=1
;+# ;+:yfx?
1=2
JolQmut
1=3
cGo
2=
lab]zL d'b|fdf
2,879,373
2,015,375,523
1,535
16,844,612
824,277
2,082,029,439
28,085,362
2=1
;+# ;+:yfx?
2=2
JolQmut
2=3
cGo
v=
d"@tL lx;fa
3,673,935,978
2,109,047,296
1=
:jb]zL d'b|fdf
3,660,407,978
2,094,835,296
1=1
;+# ;+:yfx?
2,462,521,610
1,525,357,478
1=2
JolQmut
1,197,536,368
569,477,818
1=3
cGo
2=
lab]zL d'b|fdf
13,528,000
14,212,000
13,528,000
14,212,000
16,020,335
-
350,000
28,085,362
-
2=1
;+# ;+:yfx?
2=2
JolQmut
2=3
cGo
2=
dfu]sf] avt ltg''{ kg]{ lx;fa
1=
:jb]zL d'b|fdf
1=1
1=2
146,314,002
204,407,749
558,362,432
694,694,749
1=3
cGo ;+ul&t ;+:yfx?
1=4
JolQmut
1=5
cGo
715,673,374
1,148,102,821
704,810,918
1,130,271,455
134,485
-
2=
lab]zL d'b|fdf
2=1
10,862,456
-
231,168,958
17,831,366
2,055,858
2=2
2=3
cGo ;+ul&t ;+:yfx?
289,395
227
10,573,060
15,775,281
2=4
JolQmut
2=5
cGo
;l^{lkms]^ ckm l*kf]lh^
1=
;+ul&t ;+:yf
2=
3=
JolQmut
cGo
Aofh ltg'{ kg]{ vftfx?sf] hDdf
6,424,710,396
5,367,264,919
-12_ hDdf lgIf]k
6,772,996,124
5,767,973,285
e'QmfgL lbg' kg]{ ljnx?
cg';"rL 4=6
-2068 cfifF( d;fGt_

o; jif{ ?=
ljj/)f
ut jif{ ?=
1=
:jb]zL d'b|f
1,500,141
6,853,621
2=
ljb]zL d'b|f
4,728,975
3,449,798
6,229,116
10,303,419
hDdf
cGo bf oTj
cg';"rL 4=7
-2068 cfifF( d;fGt_

ljj/)f
!^
o; jif{ ?=
ut jif{ ?=
6,229,116
hDdf
10,303,419
cGo bfloTj
cg';"rL 4=7
-2068 cfifF( d;fGt_

ljj/)f
o; jif{ ?=
ut jif{ ?=
1=
k]G;gpkbfg sf]if
2=
sd{rf/L ;~ro sf]if
3=
sd{rf/L sNof)f sf]if
4=
sd{rf/L af]g; Joj:yf
5=
lgIf]kdf e'QmfgL lbg afsL Aofh
6=
;fk^Ldf e'QmfgL lbg afsL Aofh
46,761,743
46,361,304
25,468,149
10,659,103
582
7=
kfsL g;s]sf] l*:sfp)^ / sldzg
8=
;)*L qm]l*^;{
9=
zfvf ldnfg lx;fj
10=
:yug s/ bfloTj
11=
e'QmfgL lbg af+ls nfef+z
12=
cGo
3,323,009
2,516,316
85,608,804
78,881,954
9,077
32,658,885
23,162,107
s= sd{rf/L ljbf jfkt Joj:yf
18,497,316
14,230,887
v= n]vfk/LIf)f z'Ns
u= cGo
417,394
13,744,175
417,394
8,513,827
193,820,590
161,590,443
hDdf
gub df}Hbft
cg';"rL 4=8
-2068 cfifF( d;fGt_

o; jif{ ?=
ljj/)f
1=
:jb]zL d'b|f -l;Ssf ;d]t_
2=
ljb]zL d'b|f
hDdf
ut jif{ ?=
287,920,385
191,291,831
5,397,874
7,245,083
293,318,259
198,536,914
g]kfn /fi^ a}+sdf /x]sf] df}Hbft
cg';"rL 4=9
-2068 cfifF( d;fGt_

ljj/)f
g]kfn /fi^ a}+s
s= rNtL vftf
v= cGo vftf
:jb]zL d'b|f
ljb]zL d'b|f ?= df
ef=?=
kl/jTo{ lj=d'=
hDdf
o; jif{ ?=
ut jif{ ?=
713,280,214
7,653,126
7,653,126
720,933,340
561,334,515
713,280,214
7,653,126
7,653,126
720,933,340
561,334,515
gf]^M2068 cfiff( d;fGtdf g]=/f=a}+ssf] ;dy{g kq cg';f/sf] s'n df}Hbft ?=726,048,450 /x]sf] % .
a}+sljQLo ;+:yfdf /x]sf] df}Hbft
cg';"rL 4=10
-2068 cfifF( d;fGt_

ljj/)f
:jb]zL d'b|f
ljb]zL d'b|F ?= df
ef= ?=
kl/jTo{ lj=d'=
hDdf
o; jif{ ?=
ut jif{ ?=
1= :jb]zL Ohfhtkq k|fKt
12,082,235
283,942
283,942
12,366,177
21,469,707
s= rNtL vftf
12,082,235
283,942
283,942
12,366,177
21,469,707
v= cGo vftf
2= ljb]zL a}+sx?
39,441,863
34,021,430
73,463,293
73,463,293
49,170,074
s= rNtL vftf
39,441,863
34,021,430
73,463,293
73,463,293
49,170,074
v= cGo vftf
hDdf
12,082,235
39,441,863
34,305,372
73,747,235
85,829,470
70,639,782
gf]^M2068 cfiff( d;fGtdf ;DalGwt a}+sljQLo ;+:yfx?sf] ;dy{g kqcg';f/sf] s'n df}Hbft ?=107,310,621 /x]sf] % .
!&

dfu tyf cNk;"rgfdf k|fKt x'g] /sdx?
cg';"rL 4=11
dfu tyf cNk;"rgfdf k|fKt x'g] /sdx?

-2068 cfifF( d;fGt_
cg';"rL 4=11
-2068 cfifF( d;fGt_
ljj/)f
o; jif{ ?=
ljj/)f
ut jif{ ?=
o; jif{ ?=
1=
:jb]zL d'b|fdf
2=
ljb]zL d'b|fdf
ut jif{ ?=
147,708,572
hDdf
147,708,572
hDdf
147,708,572
nufgL
nufgL
cg'
cg';
;""r
rLL 4=12
4=12
-2068 cfifF(
cfifF( d;fGt_
d;fGt_
k|of]hg
ljj/)f
1=
Jofkfl/s
g]kfn ;/sf/sf] ^]h/L ljn
cGo
2=
g]kfn ;/sf/sf] artkq
3=
g]kfn ;/sf/sf] cGo C)fkq
1,039,863,655
o; jif{ ?=
ut jif{ ?=
1,039,863,655
725,343,620
211,872,244
211,872,244
213,694,205
4=
g]kfn /fi^ a}+s C)fkq
5=
lab]zL C)fkq
6=
:jb]zL Ohfhtkqk|fKt ;+:yf
7=
lab]zL a}+s
71,200,000
71,200,000
74,800,000
10,058,000
10,058,000
10,058,000
8=
;+ul&t ;+:yfx?sf]] z]o/
9=
;+ul&t ;+:yfx?sf] l*j]Gr/ tyf jG*
55,000,000
10=
cGo nufgL
s'n nufgL
s'n nufgL
--
1,332,993,899
1,332,993,899
1,078,895,825
1,332,993,899
1,332,993,899
1,078,895,825
Joj:yf
v"b nufgL
--
1,332,993,899
1,332,993,899
1,078,895,825
v"b nufgL
1,332,993,899
1,332,993,899
1,078,895,825
z]o/ l*j]Gr/ tyf j)*df nufgL
cg';"rL 4=12-s_
k/n
ljj/)f
ahf/
df]n ?=
1=
z]o/ nufgL
1=1 ?/n dfOqmf] kmfO{gfG; *]enkd]G^ ;]G^/ lnld^]*
Joj:yf
d'Nofg';f/
o; aif{
ut jif{ ?=
/sd
10,058,000
10,058,000
10,058,000
1,534,000
1,534,000
1,534,000
4,471,000
4,471,000
15,340 ;fwf/)f z]o/, k|lt z]o/ ?=100 n] r'Qmf

1=2 lxdfnog l*li^n/L ln=
4,471,000
4,471,000

1=3 shf{ ;"rgf s]Gb|
353,000
353,000
353,000
2,500,000
2,500,000
2,500,000
1,200,000
1,200,000
1,200,000
2=2 ==========================
2=3 ==========================

-6,001 af]g; z]o/, k|lt z]o/ ?=100_
1=4 g]kfn lSnol/u xfp;
1=5 g]kfn a}+s;{ ^]lg OlG:^Ro'^
2=
l*j]Gr/ tyf j)* nufgL
2=1 ========================== sDkgL -k|f=ln=ln=_

===========k|ltzt l*j]Gr/j)* k|lt l*j]Gr/j)* ?====n]===
s'n nufgL
3=
hf]lvd ;DaGwL Joj:yf
10,058,000
3=1 ut jif{ ;Ddsf] Joj:yf
3=1 o; jif{sf] yk#^
s'n Joj:yf
v'b nufgL
10,058,000
10,058,000
10,058,000
10,058,000
10,058,000
3 jif{ eGbf al( ;dob]lv nfef+z ljt/)f gu/]sf] sDkgLM

1_ lxdfnog l*li^n/L ln=
!*
Aofkfl/s nufgL (Held for Trading)
cg';"rL 4=12=1
-2068 cfiff( d;fGt_

laj/)f
k/n
kl%Nnf] ahf/
xfnsf]
o; aif{
ut aif{
d"No
d"No -s_
d"No -v_
gfkmf-gf]S;fg_
gfkmf-gf]S;fg_
-vs_
/sd
1=
2=
3=
4=
5=
lab]zL C)fkq
6=
:jb]zL Ohfhtkqk|fKt ;+:yfsf] z]o/
7=
:jb]zL Ohfhtkqk|fKt ;+:yfsf] l*j]Gr/ tyf j)*
8=
:jb]zL ;+ul&t ;+:yfsf] z]o/, l*j]Gr/ tyf j)*
9=
lab]zL a}+s nufgL (Placement)
10= Inter Bank Lending

11= cGo nufgL
s'n nufgL
e'QmfgL ldlt;Dd wf/)f ug]{ nufgL (Held for Maturity)
s}lkmot
cg';"rL 4=12=2
-2068 cfiff( d;fGt_

laj/)f
k/n d'No -s_
xfn ;Ddsf]
Iflt
1=
2=
1,039,863,655
-
o; aif{sf]
/sd Iflt
/sd
o; aif{ gfkmf
ut aif{
gf]S;fg
-gf]S;fg_
-v_
-
-u_
-
-svu_
-
/sd
-
3=
4=
5=
lab]zL C)fkq
6=
7=
8=
9=
71,200,000
-
1,322,935,899
211,872,244
10= cGo nufgL

s'n nufgL
lalqmsf] nflu pknAw nufgL
(Available for Sale)
s}lkmot
cg';"rL 4=12=3
-2068 cfiff( d;fGt_

laj/)f
k/n
kl%Nnf] ahf/
d"No
d"No
-s_
xfnsf]
o; aif{ sf]if
ut aif{
d"No -v_
;dfof]hg
gfkmf-gf]S;fg_
/sd -vs_
-
/sd
1=
2=
3=
4=
5=
lab]zL C)fkq
6=
7=
8=
9=
10= cGo nufgL

s'n nufgL
10,058,000
10,058,000
s}lkmot
!(
@)
-
1=1 c;n
195,671
2=3 z+sf:kb
24,459
3=3 sd;n
3=4 z+sf:kb
19,125
4=4 z+sf:kb
-_
v'b shf{ -s -v _
-r_ o; jif{sf] v'b yk#^
171,212
3,351
-#_ ut jif{sf] Aoj:yfaf^ lkmtf{
o; jif{sf] yk Aoj:yf
21,108
4=3 sd;n
4=5 v/fa
1,983
4=2 k'g/;+/rgfk'g/tflnlss/)f
4=1 c;n
ut jif{;Ddsf] Aoj:yf
-u_ ut jif{;Ddsf] s"n Aoj:yf
4=
24,459
3=5 v/fa
3=1 c;n
shf{ gf]S;fgL Aoj:yf
-v_ s'n Aoj:yf
3=
195,671
2=2 sd;n
2=4 v/fa
lgl:qmo shf{ ;fk^ (Non Performing) 195,671
:jb]zL
12,831,727
(2,355,678)
5,115,802
2,753,831
2,361,971
2,760,124
2,630,510
129,613
15,591,850
2,630,510
2,630,510
12,961,340
12,961,340
cljldt
k|fylds If]q
ljldt
;lqmo shf{ ;fk^ (Performing)
-s_ s'n shf{
2=
1=
ljj/)f
-2068 cfiff( d;fGt_
6,097,176,359
(282,161,557)
380,493,516
219,368,904
11,957,189
646,483
99,501,585
49,019,356
98,331,960
17,224,874
19,600,722
120,341
61,386,022
6,195,508,319
17,224,874
39,201,444
481,364
56,907,682
6,138,600,637
6,138,600,637
cGo
shf{
shf{ ;fk^ tyf laN; vl/b juL{s/)f / ;f] sf] nflu Aoj:yf
ljb]zL
6,110,179,298
(284,513,883)
385,630,426
222,122,735
11,976,314
646,483
99,501,585
51,383,310
101,116,542
19,855,385
19,625,181
120,341
61,515,636
6,211,295,840
19,855,385
39,397,115
481,364
59,733,864
6,151,561,977
6,151,561,977
hDdf
:jb]zL
1,797,582
1,968
16,189
16,189
18,157
18,157
1,815,739
1,815,739
1,815,739
ljb]zL
1,797,582
1,968
16,189
16,189
18,157
18,157
1,815,739
1,815,739
1,815,739
hDdf
v/Lb tyf l*isfp)^ ul/Psf lan
6,111,976,880
(284,511,915)
42,424,085
(326,936,000)
385,646,615
222,122,735
11,976,314
646,483
99,501,585
51,399,499
101,134,700
19,855,385
19,625,181
120,341
61,533,793
6,213,111,580
19,855,385
39,397,115
481,364
59,733,864
6,153,377,716
6,153,377,716
o; jif{ ?=
5,107,263,691
(312,359,452)
26,050,043
(338,409,495)
698,006,068
510,433,112
645,414
389,196
136,756,129
49,782,217
385,646,615
222,122,735
11,976,314
646,483
99,501,585
51,399,500
5,492,910,306
222,122,735
24,067,377
2,585,932
104,501,585
353,277,628
5,139,632,678
5,139,632,678
ut jif{ ?=
cg';"rL 4=13
shf{, ;fk^ / ljN; v/Lbsf] ;'/IF)f
cg';"rL 4=13-s_
-2068 cfifF( d;fGt_

ljj/)f
-s_
;'/lIft
o; jif{ ?=
ut jif{ ?=
6,211,295,840
5,492,203,446
1=
rncrn ;DklQsf] ;'/IF)fdf
5,193,569,566
4,721,095,248
2=
:jb]zL Ohfhtkqk|fKt ;+:yfsf] hdfgtdf
34,981,404
133,225,318
3=
;/sf/L hdfgtdf
57,294,092
57,294,092
4=
cGt/f{liô >])fLs[t a}+ssf] hdfgtdf
5=
lgof{t sfuhft -Export Document_ sf] ;'/If)fdf
6=
d'@tL /;Lbsf] ;'/If)fdf
149,164,321
23,486,726
-s_ ;+:yfsf] cfkm\g} d'@tL /;Lbsf] ;'/If)f
149,164,321
23,486,726
8,844,000
-v_ cGo Ohfhtkq k|fKt ;+:yfsf] d'@tL /;Lbsf] ;'/If)f
7=
;/sf/L C)fkqsf] ;'/If)fdf
8=
sfp)^/ hdfgtdf
9=
JolQmut hdfgtdf
24,219
7,533,409
10=
cGo ;'/If)fdf
767,418,238
549,568,653
1,815,739
706,860
6,213,111,580
5,492,910,306
-v_
c;'/lIft
hDdf
l:y/ ;DklQ
cg';"rL 4=14
-2068 cfifF( d;fGt_

;DklQ
ljj/)f
d]lzg/L
sfof{no
ejg
kl/jxg ;fwg
-s_ ut jif{sf] df}Hbft
50,740,230
9,262,191
49,301,274
-v_ o; aif{sf] yk
16,808,466
11,570,058
21,186,067
-u_
;fdfg
o; aif{ ?=
ut aif{ ?=
10,147,696
119,451,391
87,574,116
2,410,290
51,974,881
33,577,276
cGo
1= k/ndf]n
o; jif{ k"gd'{Nofgk'gn]{vg
-#_ o; aif{sf] ljqmL
-_
o; jif{sf] ckn]vg
s'n -svu#_ k/ndf]n
(12,199,001)
-
(2,327,904)
(6,457,543)
(20,984,448)
(405,512)
(737,993)
(1,143,505)
(1,700,000)
-
55,349,694
18,098,833
63,291,804
12,557,986
149,298,318
119,451,392
-s_ ut jif{ ;Ddsf]
16,251,756
3,803,347
34,589,263
9,644,181
64,288,547
54,173,827
-v_ o; aif{sf]
8,353,685
1,691,800
7,921,475
725,791
18,692,751
10,554,713
-u_
2= x|f; sL
x|f; sL k"gd'{Nofgk'gn]{vg
-#_ xf; sLsf] /sd ;dfof]]hglkmtf{ -
(7,758,189)
(1,654,811)
(6,065,701)
(15,478,701)
(439,993)
s'n x|f; sL
16,847,252
3,840,336
36,445,036
10,369,972
67,502,597
64,288,547
3= a's Eofn' (WDV*) -12_
38,502,442
14,258,498
26,846,768
2,188,014
81,795,721
55,162,844
9,317,181
9,317,181
4 hUuf
5= k"hLut lgdf{)f -k"hLs/)f ul/g' kg]{_

6= nLh xf]N* ;DklQ
hDdf -3456_
38,502,442
14,258,498
26,846,768
2,188,014
9,534,353
2,142,395
100,647,255
66,622,420
*Written Down Value
@!
u}/ a}+ls ;DklQ
cg';"rL 4=15
-2068 cfifF( d;fGt_

u}/ a}+ls
C)fL jf kf^L{sf] gfd &]ufgf
;DklQ ;sf/
u/]sf] ldlt
OGb]|gL /fO{; ldn, lrtjg

;f}efUo /]:6'/]G6, lrtjg
k|ltIff O{G6/k|fO{h]h, lj/u+h k;f{
Go" xfd|f] k|f]leHgn :6f]/, lrtjg
dgsfdgf d]6n pBf]u, l;d/f af/f
z':df lu|n pBf]u x]6f}+8f
ljsfz km]G;L :6f]/, x]6f}+8f
b lxdfnog l6k]s, lrtjg
xf/tL jfo/ O{G8l:6h, x]6f}8f
jfUn] ;Knfo;{, gjnk/f;L
ldQn l6 O{G8l:6h
;'df O{G6/k|fO{h]h
lalGg km'8\; O{G8l:6h k|f=ln=
b]p/fnL la:s'6 O{= k|f= ln=
s'n hDdf
gf]S;fgL Joj:yf
s'n u}/ a}+ls

;DklQ /sd ?=
v"b u}/
a}+ls
k|ltzt
/sd ?=
ut jif{ ?=
;DklQ ?=
2059.09.30
900,000
2060.03.24
200,000
2060.04.02
3,318,390
100
3,318,390
3,318,390
2060.12.30
774,594
100
774,594
774,594
4,242,879
2059.10.29
2060.03.32
480,153
2061.03.31
100
-
480,153
-
480,153
1,090,894
2059.06.14
2,500,000
100
2,500,000
2,500,000
2062.03.31
27,900,000
100
27,900,000
27,900,000
743,000
2062.01.14
2063.07.16
30,200,000
2063.08.10
18,664,000
2064.03.28
15,320,000
100
15,320,000
15,320,000
2066.12.29
24,134,000
100
24,134,000
24,134,000
74,427,136
74,427,136
130,467,909
cGo ;DklQ
cg';"rL 4=16
-2068 cfifF( d;fGt_

ljj/)f
1=
d;nGb df}Hbft
2=
nufgLdf c;"n ug{ afsL cfDbfgL
3=
shf{df c;"n ug{ afsL Aofh

Go"gM Aofh d'NtjL /sd
53,735,771
o; jif{ ?=
ut aif{ ?=
4,354,176
3,006,045
13,611,615
14,447,790
(1,754,547)
132,326,533
(55,490,318)
4=
c;"n ug{ afsL sldzg
5=
;G*L *]^;{
25,026,137
Go"gM Joj:yf /sd
(7,192,978)
(139,343,307)
17,833,159
20,097,395
42,450,581
44,160,669
7,024,563
5,199,042
(5,127,573)
6=
sd{rf/L ;fk^L / k]ZsL
7=
clu|d e'QmfgL
8=
dfu{:y gub
9=
dfu{:y cGo -r]s ;d]t_
10=
ljgf ;"rgf *fkm\^sf] e"QmfgL
11=
ckn]vg x"g afsL vr{
12=
zfvf ldnfg lx;fj
997.00
13=
:yug s/ ;DklQ
14=
cGoM
-s_
cfos/ bfloTj
(53,892,069)
(79,920,472)
Go"gMclu|d e'QmfgL
64,866,189
84,180,886
cGo
30,061,443
15,078,657
-v_
hDdf
@@
58,801,850
85,317,612
41,035,563
19,339,070
183,357,957
179,423,277
cGo ;DklQ -yk ljj/)f_
cg';"rL 4=16 -s_
-2068 cfifF( d;fGt_

o; jif{ ?=
1 jif{ b]lv
ljj/)f
1 jif{ ;Dd
dfly 3 jif{
;Dd
1=
shf{df c;"n ug{ afsL Jofh
20,107,290
2=
ljgf ;"rgf *fkm\^sf] e"QmfgL
3=
zfvf ldnfg lx;fj
997
4=
:jb]zL ljb]zL Ph]G;L lx;fa
(26,717,781)
1,073,230
-
121,520
3 jif{ eGbf
dfly
32,555,251
53,735,771
ut jif{ ?=
hDdf
997
(26,596,261)
;Defljt bfloTjx?
132,326,533
cg';"rL 4=17
-2068 cfifF( d;fGt_

ljj/)f
o; jif{ ?=
ut jif{ ?=
1=
;+:yfpk/ bfjL k/]sf] t/ ;+:yfn] bfloTj :jLsf/ gu/]sf]
2=
k|lttkqx? -dflh{g g#^fO{ k'/f /sd_
225,891,031
133,736,109
-s_ 6 dlxgfeGbf sd cjlwsf]
180,277,144
101,962,891
-v_ 6 dlxgfeGbf a(L cjlwsf]
45,613,887
31,773,218
417,772,042
364,523,000
88,065,950
46,142,000
291,838,842
280,513,750
37,867,250
37,867,250
3=
4=
k'gM l*:sfp)^ ul/Psf ljnx?

Dofb gfl# g;s]sf] Uof/]G^Lj)*
-s_ lj* j)*
-v_ k/km/d]G; j)*
-u_ cGo Uof/])^Lj)*
5=
r'Qmf jf e'Qmfg x'g afls z]o/ nufgL
6=
km/jf*{ PS:r]~h sG^fS^sf] afsL bfloTjx?
7=
sn]S;gdf /x]sf lanx?
18,812,374
78,758,477
8=
d~h"/L tyf ;dy{g (Acceptance & Endorsement)
21,667,200
14,305,286
9=
k|Tofe'lt k|ltj$tf (Underwriting Commitment)
10=
ckl/jTo{ shf{ k|ltj$tf (Irrevocable Loan Commitment)
11=
cGt/f{liô >])fLs[t a}+ssf] sfp)^/ Uof/])^Ldf lbPsf] Uof/])^L
12=
clu|d e'QmfgL Uof/])^L (Advance Payment Guarantee)
177,526,695
129,348,500
13=
shf{ k|jfxsf] nflu ljQLo hdfgt (Financial Guarantee)
10,000,000
11,680,000
14=
cfos/ jfkt ;Defljt bfloTj (Contingent Liabilities on Income Tax)
18,428,298
12,606,683
15=
========================
16=
========================
17=
========================
hDdf
805,444,994
-
1,695,542,635
546,340,774
-
1,291,298,829
@#

ljj/)f
s=
o; jif{ ?=
ut jif{ ?=
shf{ ;fk^ / clwljsif{df
824,683,552
638,071,409
1= shf{ ;fk^
438,797,379
356,350,323
2= clwljsif{df
385,886,172
281,721,086
Go"gMJofh %'^
v=
nufgLdf
1= g]kfn ;/sf/sf] C)Fkq
56,796,121
36,429,713
12,862,539
12,862,539
-s_ ==============================
-v_ =============================
3= g]kfn /fi^ a}+ssf] C)fkq
4= l*j]Gr/ tyf a)*
5= cGt/ a}+s nufgLdf Jofh
45,619,950
14,958,862
-s_ a}+sljQLo ;+:yfx?
45,619,950
14,958,862
-v_ cGo ;+:yfx?

Ph]G;L df}Hbftdf
1= :jb]zL a}+s ljQLo ;+:yfx?
2= ljb]zL a}+sx?
1,451,033
-
1,540,315
-
1,451,033
1,540,315
dfu tyf cNk;"rgfdf k|FKt x'g] df}Hbftdf
1,084,411
9,069,088
1= :jb]zL a}+s ljQLo ;+:yfx?
1,084,411
9,069,088
2= ljb]zL a}+sx?
=
49,292,252
-v_ ljsf; C)fkq

-u_ /fliô artkq
#=
64,251,114
69,658,660
-s_ ^]h/L laN;
2= ljb]zL C)fkq
u=
115,278,609
cGodf
244,648
424,791
1= ;l^{lkms]^ ckm l*kf]lh^
2= cGt/ a}+s ljQLo ;+:yf shf{
3= cGo
hDdf
244,648
424,791
942,742,252
713,356,716
Jofh vr{
cg';"rL 4=19

ljj/)f
s=
o; jif{ ?=
ut jif{ ?=
lgIf]k bfloTjdf
518,856,659
335,953,974
1= d'@tL lgIf]k
336,101,264
142,239,147
1=1
:jb]zL d'b|f
335,811,311
141,932,843
1=2
ljb]zL d'b|f
289,953
306,304
2= art lgIf]k
122,451,226
139,429,587
2=1
:jb]zL d'b|f
122,250,391
139,018,910
2=2
ljb]zL d'b|f
200,835
410,677
60,304,169
54,285,240
3= dfu]sf] avt ltg'{kg]{ lgIf]k

3=1
:jb]zL d'b|f
60,181,417
54,165,405
3=2
ljb]zL d'b|f
122,752
119,834
4= ;l^{lkms]^ ckm l*kf]lh^;\

v=
shf{ ;fk^df
222,071
1= C)Fkq tyf a)*
2= g]kfn /fi^ a}+saf^ k|fKt shf{
3= cGt/ a}+sljQLo ;+:yf shf{
u=
222,071
247,339
246,699
4= cGo ;+ul&t ;+:yf
5= cGo shf{ tyf k"g/shf{
640
cGodf
1= ===============================
2= ===============================
hDdf
519,078,730
@$sldzg tyf
336,201,312
"rbL g 4=20
rf}wf}+ jflif{cg'
s k|;ltj]
@)^&^*
l*:sfp)^

ljj/)f
s=
laN; v/Lb tyf l*:sfp)^
o; jif{ ?=
ut jif{ ?=
243,961
63,786
u=
cGodf
hDdf
519,078,730
sldzg tyf
l*:sfp)^
Lumbini 336,201,312
Bank Limited
cg';"rL 4=20

ljj/)f
s=
v=
ut jif{ ?=
63,786
laN; v/Lb tyf l*:sfp)^
243,961
1= :jb]zL
215,155
33,106
2= ljb]zL
28,806
30,680
15,740,861
17,884,958
4,657,665
4,249,899
5,484,234
5,742,614
sldzg
1= k|lttkq
2= hdfgtkq
3= sn]S;g kmL
157,922
286,415
4= /]ld^]G; kmL
3,977,040
5,728,306
5= qm]l*^ sf*{
123,496
132,743
6= z]o/ k|Tofe'ltlgisfzg
7= ;/sf/L sf/f]af/ jfkt
8= O=k|f= sdLzg jfkt
9= af cfDbfgL
cGo
u=
o; jif{ ?=
hDdf
1,340,505
208,668
1,744,981
685,220
16,193,491
18,633,965
cGo ;~rfng cfDbfgL
cg';"rL 4=21

ljj/)f
1=
;]km l*kf]lh^ eN^sf] ef*F
2=
qm]l*^sf*{ lgisfzg tyf gjLs/)f
3=
ATM sf*{ lgisfzg tyf gjLs/)f
4=
^]n]S;l^=l^=
5=
6=
7=
o; jif{ ?=
314,250
67,050
ut jif{ ?=
355,566
122,900
126,205
136,515
;]jf z'Ns
10,579,396
22,947,300
gjLs/)F z'Ns
cGo
777,200
4,584,754
1,063,375
11,445,296
16,448,854
36,070,952
hDdf
;^xL #â( cfDbfgLgf]S;fg
cg';"rL 4=22

ljj/)f
-s_ ljlgdo b/df ePsf] km/saf^
o; jif{ ?=
647,102
ut jif{ ?=
(726,309)
-v_ ljb]zL d'b|f sf/f]af/af^ -af afx]s_
10,585,309
17,180,936
hDdf cfDbfgL-gf]S;fg_
11,232,410
16,454,628
sd{rf/L vr{
cg';"rL 4=23

ljj/)f
o; jif{ ?=
ut jif{ ?=
1=
tna
38,734,785
32,809,997
2=
eQf
21,420,026
21,280,272
3=
;~rosf]ifdf yk
3,642,082
3,247,915
4=
tflnd vr{
508,204
455,744
5=
kf]zfs
1,223,733
1,379,104
6=
cf}ifwf]krf/
3,172,188
2,713,061
7=
aLdf
8=
9=
k]G;g tyf pkbfg Joj:yf

cGo
hDdf
6,745,697
6,084,428
2,391,293
3,079,619
81,531,141
67,357,005
@%
cGo ;~rfng vr{
cg';"rL 4=24

ljj/)f
o; jif{ ?=
ut jif{ ?=
22,219,987
13,782,747
1=
#/ef*f
2=
aQL ljh"nL / kfgL
2,812,802
1,921,816
3=
dd{t tyf ;Def/
3,481,867
2,494,459
-s_
ejg
-v_
;jf/L ;fwg
-u_
cGo
507,917
462,310
2,973,949
2,032,149
4=
aLdf
3,253,264
2,670,292
5=
kf]i^]h, ^]n}S;, ^]lnkmf]g, km\ofS;
7,872,533
5,587,037
6=
sfof{no pks/)f kmlg{r/ / ;Def/
7=
e|d)f eQf / vr{
8=
d;nGb / %kfO{
9=
kqklqsf tyf k":ts
203,197
219,039
10=
lj!fkg
670,204
441,089
11=
sfg"gL vr{
784,309
1,027,001
12=
rGbf
13=
;~rfns ;ldlt;DaGwL vr{
2,531,831
2,474,748
-s_
a}&s eQf
1,620,000
1,617,600
-v_
cGo vr{
911,831
857,148
307,962
314,099
1,343,685
1,512,765
2,988,044
2,331,166
30,000
14=
;fwf/)f ;ef;DaGwL vr{
858,509
823,507
15=
n]vfk/LIf)F;DaGwL
499,737
541,141
-s_
n]vfk/LIf)f z"Ns
423,750
423,750
-v_
cGo vr{
16=
/sd :yfgfGt/)f sldzg
17=
:yL/ ;DklQdf xf;sL
75,987
117,391
67,456
121,073
21,580,183
12,442,891
18=
k"j{ ;~rfng vr{ ckn]vg
19=
z]o/ lgisfzg vr{
20=
k|fljlws ;]jf ;f]wegf{
21=
dgf]/~hg vr{
22=
ckn]vg vr{
1,022,660
23=
;"/Iff vr{
8,328,791
24=
shf{ ;"/If)f lk|ldod
25=
sldzg / l*:sfp)^
26=
cGo
156,545
567,025
850,556
800,986
3,802,031
57,888
23,946
2,932,994
2,071,276
31,393,709
22,659,501
-s_ ;jf/L OGwg vr{
4,058,184
2,848,519
-v_ lj!fkg vr{ -Jofkf/ k|jw{g_
2,480,809
1,420,569
2,493,925
726,856
-u_ s/ tyf z'Ns

-#_ ljljw vr{
hDdf
22,360,790
17,663,556
115,965,184
78,913,165
;Defljt gf]S;fgL Aoj:yf
cg';"rL 4=25

ljj/)f
1=
shf{ gf]S;fgL Aoj:yfdf ePsf] a[l$
o; jif{ ?=
ut jif{ ?=
42,424,085
26,050,043
2=
nufgL gf]S;fgL Aoj:yfdf ePsf] a[l$
3=
u}/ a}+ls ;DklQ gf]S;fgL Aoj:yf
4=
cGo ;DklQdf ul/Psf] Aoj:yf
hDdf
@^
1,813,784
44,237,869
40,180,000
66,230,043
u}/ ;+rfng cfDbfgLgf]S;fg
cg';"rL 4=26

ljj/)f
o; jif{ ?=
ut jif{ ?=
1=
nufgL laqmLaf^ cfDbfgL-gf]S;fg_
2=
;DklQ laqmLaf^ cfDbfgL-gf]S;fg_
1,433,123
1,498,569
3=
nfef+z
189,449
145,730
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^/
cGo
5=
v"b u}/ ;+rfng cfDbfgL-gf]]S;fg_
1,622,572
;Defljt gf]S;fgL Aoj:yfaf^ lkmtf{
1,644,299
cg';"rL 4=27

ljj/)f
o; jif{ ?=
ut jif{ ?=
1=
shf{ gf]S;fgL Aoj:yfaf^ lkmtf{
326,936,000
338,409,495
2=
u}/ a}+ls ;DklQ gf]S;fgL Aoj:yfaf^ lkmtf{
56,040,774
6,340,431
3=
nufgL Aoj:yfaf^ lkmtf{
4=
ljQLo hdfgtsf] gf]S;fgL Aoj:yfaf^ lkmtf{
5=
cGo ;DklQsf] Aoj:yfaf^ lkmtf{
hDdf
382,976,774
c;fdfGo sf/f]jf/x?af^ ePsf] cfDbfgLvr{
344,749,926
cg';"rL 4=28

ljj/)f
1=
ckn]vg ePsf] shf{sf] c;'nL
2=
:j]lR%s cjsfz vr{
o; jif{ ?=
ut jif{ ?=
72,685,964
631,591
3=
c;'nL x'g g;Sg] shf{sf] ckn]vg -4=28s_
4=
cGo vr{cfDbfgL
5=
=========================
(173,679,949)
(75,435,693)
4,969,726
2,569,488
hDdf
(96,024,258)
ckn]lvt shf{sf] ljj/)f
(72,234,614)
cg';"rL 4=28-s_
-cfly{s jif{ 206768_

qm=;+=
shf{ k|sf/
1=
xfO{kf]lys]zg
2=
cf]e/*fkm\^
3=
l:y/ k"hL shf{
4=
JolQmut shf{
5=
cGo shf{
s'n
ckn]vg ul/Psf]
lwtf]sf] k|sf/ tyf
lwtf] d"Nof+sgsf]
shf{ :jLs[t ug]{
shf{ c;'nLsf nflu
/sd
/sd
cfwf/
clwsf/Ltx
eP u/]sf k|of;
30,000,000.00
23,100,000
120,197,075.00
-
s}lkmot
zfvf k|d'v,
shf{ c;'nLsf nflu
3/ tyf hUuf, :6s, a}+ssf] cflwsf/Ls
k|d'vshf{ ljefu,
cf;fdL, tyf AolQmut d"Nof+sgstf{ f/f dxfk|aGws, sfo{sf/L ckgfO{g' kg]{ ;Dk"0f{
ul/Psf] d'No lgwf{/0f clws[t tyf ;+rfns k|s[ofx? ckgfO{Psf] .
hdfgL
;ldlt
382,874
173,679,949
@&

;+rfns, sfo{sf/L k|d'v, ;+:yfks, sd{rf/L / z]o/xf]N*/x?nfO{ uPsf] shf{ ;fk^ ljj/)F
cg';"rL 4=29
-2068 cfifF( d;fGt_

vl/b tyf l*:sfpG^ ul/Psf lanx / shf{, ;fk^ tyf clwljsif{df k|jflxt s'n /sd dWo] ;~rfns, sfo{sf/L k|d'v, ;+:yfks, sd{rf/L xf]N*/x?
/ lghxsf] kl/jf/sf ;b:o jf To:tf JolQm hdfgL a;]sf] jf Dofg]lh Ph]G^ ePsf] s'g} ;+:yf jf sDkgLnfO{ uPsf] /sdsf] ljj/)f b]xfo adf]lhd %
;+:yfks;~rfnssfo{sf/L k|d'vsf] gfd
ut jif{;Ddsf] afsL
;f+jf
Jofh
o; jif{ c;'nL
;f+jf
Jofh
o; jif{ yk
cfiff( d;fGt;;Dd afsL

;f+jf
Jofh
-s_ ;~rfns
1=
2=
-v_ sfo{sf/L k|d'v
1=
2=
-u_ ;+:yfks
1=
2=
-#_ sd{rf/L
1=
-_ z]o/wgLx?
1=
2=
hDdf
k"+hLsf]if tflnsf
cg';"rL 4=30 -s1_
-2068 cfiff( d;fGt_

ljj/)f
2068 cfiff( d;fGt ;Dd
1=1 hf]lvd efl/t ;DklQ

s_ shf{ hf]lvd
ut jif{
7,869,694,332
6,103,451,038
7,266,526,454
5,526,821,397
v_ ;+rfng hf]lvd
573,627,614
554,568,432
u_ ahf/ hf]lvd
29,540,264
22,061,210
1,906,213,760
1,502,498,520
1,363,927,136
PillarII cGt/utsf] ;dfof]hg

hf]*M 6=4 -s_ -10_ cg';f/ kof{Kt ;'rgf k|jfx gu/] jfkt hf]lvd efl/t ;DklQsf] 3 k|ltzt
hf]*M ckof{Kt t/n ;DklQ afkt s'n lgIf]ksf] ========== k|ltzt
s'n hf]lvd efl/t ;DklQ
(Pillar II cGt/utsf] ;dfof]hg kl%_
1=2 k"+hL sf]if
k|fylds k+"hL (Tier I)

s_ r'Qmf k+"hL
v_ O{l/l8d]jn gg\ So'Do'n]l6e lk|km/]G; z]o/
u_ z]o/ lk|ldod
3_ k|:tfljt jf]g; z]o/
_ ;fwf/0f hu]8f sf]if
r_ ;l~rt gfkmf-gf]S;fg_ ut cf=j=;Ddsf]
5_ rfn' cf=j=sf] gfkmf-gf]S;fg_
h_ k"+hL lkmtf{ ;dfof]hg sf]if
em_ k"+hL ;dfof]hg sf]if
`_ nfef+z ;lds/0f sf]if
6_ C0fkq e"QmfgL sf]if
7_ cGo :jtGq sf]ifx?
36fpg] M
s_ Voflt jfktsf] /sd
v_ ckn]vg gul/Psf ljljw ;DklQ
u_ O{hfht k|fKt ;+:yfdf ul/Psf] z]o/ nufgL
3_ ljQLo :jfy{ /x]sf] sDkgLdf /x]sf] nufgL
_ ;LdfeGbf al9 nufgL
r_ k|Tofe'tL] (Underwriting) cGtu{t ul/Psf] nufgL
5_ kf/:kl/s qm; xf]lN8
h_ cGo
1,782,531,197
1,300,000,000
-
1,294,547,600
-
5,279,306
130,000,000
330,835,016
252,896,353
20,887,875
(179,045,817)
(4,471,000)
(4,471,000)
PillarII cGt/utsf] ;dfof]hg
36fpg] M ^=$ -s_ -!_ cg';f/ ckof{Kt Aoj:yf

36fpg] M ^=$ -s_ -@_ cGtu{t ;DalGwt kIfnfO{ tyf lgif]lwt If]qdf k|jflxt shf{ ;'lawf
k'/s k"hL (Tier II)
s_ So'Do'n]l6e / l/l8d]jn lk|km/]G; z]o/

v_ ;"/If0f g/flvPsf] ;xfos cfjlws C0f
u_ xfO{la|8 k"+hL pks/0fx?
3_ c;n shf{ gf]S;fgL Aoj:yf
_ ;6lx ;lds/0f sf]if
r_ nufgL ;dfof]hg sf]if
5_ ;DklQ k"g/d'Nofg sf]if
h_ cGo sf]if -:yug s/ sf]if_
1=3 k"+hLsf]if cg'kft
k|fylds k+"hLs'n hf]lvd efl/t ;DklQ (Tier I)

k+"hLsf]ifs'n hf]lvd efl/t ;DklQ (Tier II)
@*
123,682,563
138,571,384
61,515,636
51,383,310
1,831,077
1,669,301
1,534,000
201,160
58,801,850
85,317,612
rfn' jif{
22.65%
ut jif{
22.35%
24.22%
24.62%

-
1,251,735,899
g]kfn ;/sf/pk/sf] ;Dk")f{ bfjL
g]kfn /fi^ a}+s pk/sf] ;Dk")f{ bfjL
150
hDdf
cGo ;DklQ
:^s PS;r]Ghdf ;"lrs[t gePsf] sDkgLsf] z]o/ / cGo k"+hLut pks/)fdf ePsf] nufgL
:^s PS;r]Ghdf ;"lrs[t sDkgLsf] z]o/ / cGo k"+hLut pks/)fdf ePsf] nufgL
pRr hf]lvdo'Qm bfjL
e'QmfgL cjlw ;dfKt eO{;s]sf] bfjL -cfjf;Lo #/hUufaf^ ;'/lIft bfjL jfx]s_
Jofkf/Ls #/hUufaf^ ;'/lIft bfjL
9,063,788,303
350,997,051
5,587,000
1,074,288,385
59,733,864
301,035,403
187,881,791
148,280,884
39,600,907
145,365,912
8,730,540,600
202,716,167
5,587,000
1,074,288,385
20,132,957
301,035,403
100
150
100
150
150
100
150
-
100
cfjf;Lo #/hUufaf^ ;'/lIft bfjL -efvf gf#]sf]_

-
cfjf;Lo #/hUufaf^ k')f{ ;'/lIft gePs]f] bfjL
60
212,879,089
cfjf;Lo #/hUufaf^ ;'/lIft bfjL
212,879,089
75
100
262,907,070
-
271,907,070
u|fg'nfl/l^ ;Ldf jfx]s cGo zt{ kfngf u/]sf] pkef]Uo tyf ;fgf shf{
9,000,000
150
1,223,698,818
38,319,619
1,262,018,437
pkef]Uo tyf ;fgf shf{ (Regulatory Retail Portfolio) -efvf ggf#]sf]_
100
lab]zL ;+# ;+:yf pk/sf] bfjL (ECA Rating 6-7)

-
20
100
lab]zL ;+# ;+:yf pk/sf] bfjL (ECA Rating 3)
2,874,093,207
20
98,046,294
50
150
2,972,139,501
20
ePsf ljb]zL a}+s pk/sf] bfjL

:jb]zL ;+# ;+:yf pk/sf] bfjL
tf]lsPsf] k+"hLsf]ifdf 1 k|ltzt eGbf a(Ln] k"+hLsf]if sfod ug]{ SAARC If]qleq :yfkgf
ljb]zL a}+s pk/sf] bfjL (ECA Rating 7)
14,744,902
131,155,654
50
20
100
100
14,744,902
6,944,735
ljb]zL a}+s pk/sf] bfjL (ECA Rating 3-6)
131,155,654
6,944,735
tf]lsPsf] k+"hLsf]if sfod gug]{ :jb]zL a}+s pk/sf] bfjL
150
-
;fj{hlgs ;+:yf pk/sf] bfjL (ECA rating 3-6)
;fj{hlgs ;+:yf pk/sf] bfjL (ECA rating 7)

5,421,442
100
tf]lsPsf] k+"hLsf]if sfod ug]{ :jb]zL a}+s pk/sf] bfjL
20
50
100
cGo ax'kIfLo lasf; a}+sx? pk/sf] bfjL
100
ljb]zL ;/sf/ tyf s]]Gb||Lo a}+s pk/sf] bfjL (ECA rating 4-6)
ljb]zL ;/sf/ tyf s]]Gb||Lo a}+s pk/sf] bfjL (ECA rating 7)
BIS, IMF, ECB, EC / ax'kIfLo lasf; a}+sx? pk/sf] bfjL
20
50
5,421,442
128,948,272
0
0
1,251,735,899
-_
hf]lvd ef/
%
720,933,340
293,318,259
-#_=-s_--v_--u_
v'b /sd
128,948,272
g]kfn /fi^ a}+s C)fkqdf ul/Psf] nufgL
;'g
g]kfn ;/sf/sf] C)fkqdf nufgL
293,318,259
-u_
CRM
o; jif{
720,933,340
-v_
ljz]if Joj:yf u)fgf ug{ ;lsg]
gub df}Hbft
-s_
lstfjL d"No
jf;nft leqsf] sf/f]jf/
;DklQ
-2068 cfiff( d;fGt_
shf{ hf]lvd
6,385,270,983
202,716,167
8,380,500
1,611,432,577
30,199,436
301,035,403
127,727,453
262,907,070
917,774,114
2,874,093,207
14,744,902
26,231,131
6,944,735
1,084,288
-r_=-#_X-_
hf]lvd efl/t /sd
7,420,903,242
148,754,609
5,587,000
2,864,369
14,014,101
1,044,813,888
134,029,773
1,528,107,072
2,352,653,823
1,368,962
123,628,961
11,016,799
216,006,503
153,442,333
924,743,620
561,334,515
198,536,914
v'b /sd
ut jif{
4,885,636,378
148,754,609
8,380,500
4,296,553
21,021,152
1,044,813,888
80,417,864
1,146,080,304
2,352,653,823
273,792
24,725,792
11,016,799
43,201,301
hf]lvd efl/t /sd
cg';"rL $=#) -v_
@(
#)
jf;nft aflx/sf] sf/f]jf/

-
177,526,695
s'n shf{ hf]lvd
(Pillar II cGt/utsf] ;dfof]hgkl%_
hf]*M 6=4 -s_ -4_ cGtu{t k'g :jLsf/ x'g]u/L lalqm ul/Psf] shf{x?sf] 1 k|ltzt
;'lawfsf] 10 k|ltzt
Pillar II cGt/utsf] ;dfof]hg
s'n shf{ hf]lvd
hDdf
e'QmfgLsf] nflu bfjL k/]sf hdfgt jfktsf] ;Defljt bfloTj
cGo ;Defljt bfloTjx?
ckl/j{To shf{ k|lta$tf nfdf] cjlw
ckl/j{To shf{ k|lta$tf %f^f] cjlw
Partly paid shares and securities)
:jLsf/ tyf b/lk& (Acceptance and Endorsement)
10,759,330,937
187,881,791
18,428,298
1,695,542,635
805,444,994
21,667,200
189,580,695
44,214,782
100
18,428,298
10,381,868,452
1,651,327,852
50
20
100
100
805,444,994
21,667,200
100
100
10,000,000
ljQLo hdfgt (Financial Guarantee)

-
10,000,000
clu|d e"QmfgL Uof/])^L (Advance Payment Guarantee)

-
100
177,526,695
k'gM v/Lb ;Df}tf cGtu{tsf] shf{
50
100
Securities as Collateral)
150
lab]zL sf/f]af/ kIf (Counter Party) (ECA 7)
k|Tofe'lt (Underwriting) ;DalGw k|lta$tf
50
100
lab]zL sf/f]af/ kIf (Counter Party) (ECA 3-6)
50
150
397,100,249
20
20,671,793
lj*a)*, k/km/d]G; j)*, sfpG^/ Uof/])^L :jb]zL sf/f]jf/ kIf
417,772,042
50
100
20
50
150
6 dlxgf eGbf al( cjlwsf] k|lttkq :jb]zL sf/f]jf/ kIf
100
39,636,825
10
20

5,977,062
162,711,217
0
0
17,565,928
18,812,374
20
50
45,613,887
180,277,144
18,812,374
6 dlxgf eGbf sd cjlwsf] k|lttkq :jb]zL sf/f]jf/ kIf
clu|d ljlgdo ;Demf}tf (Forward Foreign Exchange Contract)
laN; sn]S;g
h'g;'s} a]nf lkmtf{ lng ;lsg] k|ltatf

-
7,266,526,454
881,255,471
18,428,298
402,722,497
21,667,200
10,000,000
177,526,695
198,550,125
19,818,413
32,542,243
8,668,245,139
1,247,341,896
12,606,683
546,340,774
14,305,286
11,680,000
129,348,500
335,939,384
28,106,376
90,256,416
78,758,477
5,526,821,397
641,185,019
12,606,683
273,170,387
14,305,286
11,680,000
129,348,500
167,969,692
14,053,188
18,051,283

Credit Risk Mitigation (CRM) sf] nflu of]Uo /sd
cg';"rL 4=30 -u_
-2068 cfiff( d;fGt_

shf{ /sd
cfkm\gf] a}+sdf
cGo a}+sdf
/x]sf] lgIf]k
/x]sf] lgIf]k
;/sf/ tyf
;'g
g]kfn /fi^
a}+s
g]kfn ;/sf/sf]
hdfgt
cGo b]zsf]
:jb]zL
ljb]zL ax'kIfLo
;/sf/sf]
a}+ssf]]
lasf; a}+sx?sf]]
hdfgt
hdfgt
hdfgt
ljb]zL a}+ssf]] hdfgt

tyf ;'/If)f
jf;nft leqsf] sf/f]jf/

gub df}Hbft
;'g
g]kfn ;/sf/sf] C)fkqdf nufgL
g]kfn ;/sf/pk/sf] ;Dk")f{ bfjL
g]kfn /fi^ a}+s C)fkqdf ul/Psf] nufgL
g]kfn /fi^ a}+s pk/sf] ;Dk")f{ bfjL
BIS, IMF, ECB, EC / ax'kIfLo lasf; a}+sx? pk/sf] bfjL
cGo ax'kIfLo lasf; a}+sx? pk/sf] bfjL
tf]lsPsf] k+"hLsf]if sfod ug]{ :jb]zL a}+s pk/sf] bfjL
tf]lsPsf] k+"hLsf]if sfod gug]{ :jb]zL a}+s pk/sf] bfjL
tf]lsPsf] k+"hLsf]ifdf 1 k|ltzt eGbf a(Ln] k"+hLsf]if sfod ug]{ SAARC If]qleq :yfkgf ePsf ljb]zL a}+s
pk/sf] bfjL
98,046,294

pkef]Uo tyf ;fgf shf{ (Regulatory Retail Portfolio)-efvf ggf#]sf]_
38,319,619
u|fg'nfl/l^ ;Ldf jfx]s cGo zt{ kfngf u/]sf] pkef]Uo tyf ;fgf shf{
cfjf;Lo #/hUufaf^ ;'/lIft bfjL
9,000,000
cfjf;Lo #/hUufaf^ k')f{ ;'/lIft gePs]f] bfjL

cfjf;Lo #/hUufaf^ ;'/lIft bfjL -efvf gf#]sf]_
Jofkf/Ls #/hUufaf^ ;'/lIft bfjL
e'QmfgL cjlw ;dfKt eO{;s]sf] bfjL -cfjf;Lo #/hUufaf^ ;'/lIft bfjL jfx]s_
:^s PS;r]Ghdf ;"lrs[t sDkgLsf] z]o/ / cGo k"+hLut pks/)fdf ePsf] nufgL
cGo ;DklQ
hDdf
145,365,912
44,214,782
189,580,695

h'g;'s} a]nf lkmtf{ lng ;lsg] k|ltatf
laN; sn]S;g
clu|d ljlgdo ;Demf}tf (Forward Foreign Exchange Contract)
6 dlxgf eGbf sd cjlwsf] k|lttkq :jb]zL sf/f]jf/ kIf
17,565,928

6 dlxgf eGbf al( cjlwsf] k|lttkq :jb]zL sf/f]jf/ kIf
5,977,062

lj*a)*, k/km/d]G; j)*, sfpG^/ Uof/])^L :jb]zL sf/f]jf/ kIf
20,671,793

bfjL k/]sf] tyf e'QmfgL gePsf hdfgt
k|Tofe'lt (Underwriting) ;DalGw k|lta$tf
a}saf^ ;'/If)fsf] ?kdf k|bfg ul/Psf] hdftgx? (Lending of Bank's Securities or Posting of Securities as Collateral)
k'gM v/Lb ;Df}tf cGtu{tsf] shf{
clu|d e"QmfgL Uof/])^L (Advance Payment Guarantee)
ljQLo hdfgt (Financial Guarantee)
:jLsf/ tyf b/lk& (Acceptance and Endorsement)
e'QmfgL gul/Psf] efu tyf cf+lzs e'QmfgL ul/Psf] z]o/ tyf ;'/If)f (Unpaid portion of Partly paid shares and
securities)
ckl/j{To shf{ k|lta$tf %f^f] cjlw

ckl/j{To shf{ k|lta$tf nfdf] cjlw
cGo ;Defljt bfloTjx?
e'QmfgLsf] nflu bfjL k/]sf hdfgt jfktsf] ;Defljt bfloTj
hDdf
s'n shf{ hf]lvd
#!

;+rfng hf]lvd
-2068 cfiff( d;fGt_
cg';"rL 4=30 -#_

rfn' cf=j=
ut cf=j=
cf=j=206768 cl#sf jif{x?
ljj/)f
klxnf] jif{
bf];|f] jif{
t];|f] jif{
cf=j=206465
cf=j=206566
316,011,617
cf=j=206667
377,155,403
23,490,076
18,633,965
104,227,709
25,704,560
36,070,952
16,454,628
275,410,366
22,253,201
v'b Jofh cfDbfgL

sldzg tyf l*:sfp)^
39,184,637
cGo ;+rfng cfDbfgL

;^xL #â( cfDbfgL
o; jif{sf] yk Jofh d'NtjL lx;fa
14,245,451
(19,642,570)
s'n cfDbfgL -s_

tf]lsPsf] k|ltzt -v_
tf]lsPsf] k|ltztn] x'g] s'n cfDbfgL -u_ =-s_X-v_
;+rfng hf]lvdsf] nfuL cfjZos k"+hL -#_
cf=j=206768
cf=j=206667
968,577,386
64,377,242
785,305,901
69,769,274
179,483,298
193,093,774
53,687,423
7,280,492
4,903,820
(106,848,586)
56,404,639
(121,587,336)
331,451,085
474,337,782
341,466,361
1,147,255,228
1,109,136,864
15%
15%
15%
15%
15%
49,717,663
71,150,667
51,219,954
172,088,284
166,370,530
=-u_ sf] cf};t
57,362,761
55,456,843
10
10
573,627,614
554,568,432
hf]lvd ef/ (Reciprocal of Capital Requirement) -_

;+rfng hf]lvdsf] nfuL hf]lvd ef/Lt /sd -r_ =-#_X-_
Pillar II cGt/utsf] ;dfof]hg
6=4 -c_ -8_ cg';f/ ut 3 aif{sf] s'n cfDbfgL C)ffTds ePdf
s'n shf{ tyf nufgL -laz]if Aoj:yfsf] ;dfof]hg kl%_
;~rfng hf]lvdsf] nflu cfjZos k'+hL
hf]lvd ef/ (Reciprocal of Capital Requirement of 10%) -%_
;+rfng hf]lvdsf] nflu hf]lvd ef/Lt -h_ = -r_+-%_
ahf/ hf]lvd
cg';"rL 4=30 -_
-2068 cfiff( d;fGt_

2068 cfiff( d;fGt
qm=;+=
ljj/)f
lab]zL d'b|fsf] v"b
lab]zL d'b|fsf] v"b
lab]zL d'b|fsf] ;fGble{s v"b
lab]zL d'b|fsf] ;fGble{s
cj:yf
cj:yf
cj:yf
v"b cj:yf
-lj=d'=_
-g]=?=_
-g]=?=_
ef/tLo ?lkofF
2 cd]l/sL 8n/
3 o'/f]
4 kfpG8 :6ln{
5 c:6]lnog 8n/
6 l;Fufk'/ 8n/
7 hfkfgL o]g
8 xs 8n/
9 ;+o"Qm c/a Old/]6 lb/fd
10 sf]l/og jg
41,883,954
41,883,954
27,275,946
167,289
11,910,995
11,910,995
12,385,027
(1,439)
(144,706)
144,706
28,882
36,703
4,207,212
4,207,212
2,572,081
3,629
274,186
274,186
504,996
349
349
21,776
728,010
652,661
652,661
1,289,316
17,347
99
1,838
1,838
27,048
69,051
4,626
4,626
27,180,821
58,791,116
59,080,529
5%
tf]lsPsf] k|ltzt -v_

ahf/ hf]lvdsf] nfuL cfjZos k"+hL -u_
=-s_X-v_
hf]lvd ef/ (Reciprocal of Capital Requirement) -3_

ahf/ hf]lvdsf] nfuL hf]lvd ef/Lt /sd -_ =-u_X-#_
#@
-g]=?=_
26,177,472
Total Open Position -s_
2067 cfiff( d;fGt
-10010_
44,122,419
5%
2,954,026
2,206,121
10
10
29,540,264
22,061,210

k|d'v ;"rsf
cg';"rL 4=31
sDtLdf ljut 5 jif{sf] kl/;"rsx?

ljj/)f
1= v'b gfkmfs'n cfDbfgL k|ltzt
;"rsf
k|ltzt
2= k|lt z]o/ cfDbfgL
?=
3= k|lt z]o/ ahf/ d"No
?=
cfly{s jif{
206364
206465
206566
206667
206768
35.23%
53.58%
45.27%
38.76%
39.50%
32.07
32.91
30.31
23.49
29.98
505.00
631.00
435.00
303.00
221.00
7.37
4= d"No cfDbfgL cg'kft (PE Ratio)
cg'kft
15.75
19.18
14.35
12.90
5= z]o/ khLdf nfef+z -jf]g; ;lxt_
k|ltzt
10.00%
6= z]o/ khLdf gub nfef+z e'QmfgL
k|ltzt
0.53%
7= Jofh cfDbfgLshf{ tyf ;fk^
k|ltzt
9.28%
9.98%
10.22%
11.42%
14.09%
8= sd{rf/L vr{s'n ;+rfng vr{
k|ltzt
46.60%
45.24%
49.65%
46.05%
41.28%
9= s'n lgIf]k tyf ;fk^Ldf Aofh vr{
k|ltzt
4.39%
4.57%
4.10%
5.49%
8.27%
10= ;^xL #â( cfDbfgLs'n cfDbfgL
k|ltzt
2.52%
2.33%
3.50%
2.10%
1.14%
11= sd{rf/L af]g;s'n sd{rf/L vr{
k|ltzt
36.61%
64.53%
60.20%
68.83%
57.35%
12= v'b gfkmfshf{ ;fk^
k|ltzt
3.89%
6.10%
5.85%
5.54%
6.27%
13= v'b gfkmfs'n ;DklQ
cg'kft
3.37%
5.33%
4.40%
4.10%
4.41%
14= s'n shF{ lgIf]k
k|ltzt
82.07%
94.10%
88.15%
95.23%
91.73%
15= s'n ;+rfng vr{{ s'n ;DklQ
k|ltzt
2.25%
2.13%
2.06%
1.97%
2.24%
-s_ k|fylds k"hLsf]if
k|ltzt
-7.80%
4.73%
16.87%
22.35%
22.65%
-v_ k'/s k"hL
k|ltzt
0.00%
0.01
0.91%
2.27%
1.57%
-u_ s'n k"hLsf]if
k|ltzt
-7.80%
6.00%
17.78%
24.62%
24.22%
17= t/ntf (CRR)
cg'kft
4.83%
7.38%
12.90%
8.80%
11.16%
18= lgis[o shf{s'n shf{
k|ltzt
20.37%
14.92%
9.06%
4.53%
0.96%
19= Jofh b/ cGt/ (Weighted AverageInterest Rate Spread)
k|ltzt
3.30%
4.24%
4.24%
4.13%
3.14%
16= hf]lvd efl/t ;DklQdf khLsf]ifsf] kof{Kttf
20= a's g]^jy{
?=
-429665169 293,693,788
953,051,804
1,455,586,210
21= s'n z]o/
;+Vof
60,00,000
99,57,101
10960785
12945476
22= s'n sd{rf/L
;+Vof
139
138
128
118
1,849,169,124
13,000,000
135
23= cGo
##
k|d'v n]vf gLltx?
cg';"rL $=#@
cfly{s jif{ @)^&)^*

a}+sn] ckgfPsf] k|d'v n]vf gLltx? lgDgfg';f/ /x]sf 5g\ .
!= ;fdfGo hfgsf/LM
n'lDagL a}+s lnld6]8 -a}+s_ g]kfndf :yflkt Ps l;ldt bfloTj ePsf] sDkgL xf] . o;sf] /lhi68{ -s]Gb|Lo_ sfof{no gf/fo0fu9df /x]sf] 5 . s
ju{sf] jfl0fHo a}+ssf] ?kdf sfo{/t o; a}+ssf] xfn;Dd gf/fo0fu9, x]6f}+8f, a'6jn, gS;fn, lj/f6gu/, k;f{, n+s', O{Gb|rf]s, ;"o{ljgfos, k/f;L,
jb{3f6, Ujfsf]{, gof+ afg]Zj/, bdf}nL / d+unahf/ u/L !% j6f zfvfx? ;~rfngdf /x]sf 5g\ . a}+ssf] skf]{/]6 sfof{no gf/fo0frf}/, gS;fn,
sf7df8f}+df cjl:yt /x]sf] 5 . o; a}+ssf] z]o/ g]kfn lwtf]kq ljlgdo ahf/ lnld6]8df ;'lrs[t /x]sf] 5 .
@= ljQLo ljj/0fx?sf] cfwf/M
-s_ ljQLo ljj/0fx? ;fdfGotof :jLs[t n]vf l;fGtx?, a}+ls If]qdf ljBdfg n]vf gLltx?, sDkgL P]g, g]kfn n]vfdfg tyf g]kfn /fi6 a}+sn]
hf/L u/]sf cf=j= @)^&)^* nfO{ nfu' x'g] lgb]{zgx? adf]lhd tof/ ul/Psf 5g\ . cGoyf pNn]v ul/Psf]df afx]s a}+ssf n]vf gLltx?sf]
kfngf lg/Gt/ ?kdf ul/Psf] 5 .
-v_
ljQLo ljj/0fx? cGoyf pNn]v ul/Psf]df afx]s P]ltxfl;s d"No cjwf/0ff cg'?k tof/ ul/Psf 5g\ .
-u_
cGoyf pNn]v ul/Psf]df afx]s ljQLo sf/f]jf/x? k|f]befjL cfwf/ -Accrual

ul/Psf] 5 .
Basis_
df n]vfg ul/ ;f]xL cg'?k ljQLo ljj/0fx? tof/
#= l:y/ ;DklQdf x|f; sL gLlt M

l:y/ ;DklQx?nfO{ P]ltxfl;s nfut cjwf/0ff cg'?k n]vfg u/L b]vfO{Psf]] 5 .
-s_ g]kfn n]vfdfg )^ (NAS-06-Property, Plant and Equipment) n] tf]s] jdf]lhd ;DklQx?sf] cfo' lgwf{/0f ul/ To;sf cfwf/df lgDglnlvt
x|f;sL b/ k|of]u u/L 36\bf] x|f; k|0ffnLdf x|f; sf ug]{ gLlt /x]sf] 5 .
l;=g+
;DklQ lzif{s
x|f; b/
25%
!
kmlg{r/ tyf lkmS;r;{
25%
@
sDKo"6/ tyf clkm; ;fdu|L
20%
#
;jf/L;fwg
15%
$
d]zLg/L
-u_
rfn' cfly{s jif{df vl/b Pj+ n]vf+sg u/L k|of]udf NofO{Psf l:y/ ;DklQsf] xsdf n]vf+sg u/]sf] dlxgfsf] csf]{ dlxgfb]lv x|f;sL ul/ vr{
n]Vg] gLlt /x]sf] 5 .
-3_
nLhxf]N8 ;DklQnfO{ % jif{ jf nLh cjlw dWo] h'g sd x'G5 ;f]xL cjlwdf ;db/ k|0ffnLdf ckn]vg ug]{ gLlt /x]sf] 5 .
-_
Software, SWIFT
-r_
cGo k'FhLut k|s[ltsf vr{x? vr{ ul/Psf] dlxgf b]lv ;f7L dlxgf leq x|f; sL ug]{ gLlt lnO{Psf] 5 .
tyf VSAT pks/0f h8fg ;DaGwL vr{x?nfO{ l:y/ ;DklQ cGtu{tsf] cGo ;DklQ lzif{sdf /fvL ;DalGwt ;6j]o/ tyf
pks/0fsf] v/Lbh8fg ul/Psf] dlxgfb]lv ;f7L dlxgfleq x|f; sL ug]{ gLlt lnO{Psf] 5 .
$= cfos/ Aoj:yf gLltM

cfos/ P]g @)%* cg';f/ s/ bfloTj u0fgf u/L ;f]xL cg'?k cfos/ Joj:yf ul/Psf] 5 . clGtd s/ lgwf{/0f ubf{ x'g cfpg] km/s s/ bfloTj nfO{
;f]lx jif{sf] gfkmf gf]S;fg vftfdf ;dfof]hg ul/g] 5 .
:yug s/ bfloTj;DklQ sf] lgwf{/0f g]kfn n]vfdfg )( cg'?k ljQLo ljj/0fdf pNn]lvt ;DklQbfloTjsf] Carrying d"No tyf cfos/ P]g
cg';f/ lgwf{l/t ;DkQLbfloTj df ePsf] km/s cg';f/ ul/Psf] 5 . :yug s/ bfloTj;DklQ nfO{ gfkmf gf]S;fg vftfdf vr{cfDbfgL hgfO{
jf;nftdf cGo bfloTj;DklQ lzif{sdf df b]vfpg] gLlt lnO{Psf]] 5 .
%= nufgL ;DaGwL gLlt M
a}+ssf] ;Dk"0f{ nufgLnfO{ Held for Trading, Held to Maturity tyf Available for sale u/L tLg j6f ju{df juL{s/0f ug]{ ul/Psf] 5 .
nufgLnfO{ nfut cyjf ahf/ d"No dWo] sd /sddf d"Nofg u/L ;f]xL cg';f/ n]vfg ug]{ gLlt /x]sf] 5 . lwtf]kq ljlgdo ahf/df ;'lrs[t
gePsf] z]o/df ul/Psf] nufgLnfO{ nfut d'Nodf d"Nofg u/L ;f]xL cg';f/ n]vfg ug]{ gLlt /x]sf] 5 .
;/sf/L C0fkq, lasf; C0fkq tyf 6]h/L ljndf ePsf] nufgLnfO{ nfut d'Nodf n]vf+sg ul/Psf] 5 . ljsf; C0fkqdf lt/]sf] lk|ldodnfO{ C0fkqsf]
cjlwdf ckn]vg ug]{ gLlt /x]sf] 5 . cfly{s jif{sf] cGTodf ckn]vg ug{ afFsL /x]sf] lk|ldod /sdnfO{ C0fkqsf] nfut d"Nodf ;dfj]z ug]{ ul/Psf]
5.
;+ul7t ;+:yfx?sf] z]o/df ul/Psf] nufgL nfO{ Available for Sale cGtu{t juL{s/0f ug{'sf ;fy} o:tf nufgLnfO{ ahf/b/ cg'?k lgoldt ?kdf
d"Nofg (Marked to Market on Regular Basis) u/L leGgtfnfO{ nufgL ;dfof]hg sf]if dfkm{t ;dfof]hg (Adjust) ug]{ gLlt /x]sf] 5 . g]kfn /fi
a}+ssf] lgb]{zg g= * jdf]lhd lwtf]kq ljlgdo ahf/df ;'lrs[t gePsf] ;+ul7t ;+:yfsf] z]o/ tyf l8j]~r/df ePsf] nufgLnfO{ nufgL u/]sf] Ps jif{
#$

Training Institute
P
"
, p
g
sf] z]o/df ul/Psf] nufgL ;'lrs[t gePtf klg pQm lgb]{zgsf] k|fjwfg jdf]lhd nufgL ;dfof]hg sf]if v8f ul/Psf] 5}g .
^= ;6xL 36a9 ;dfof]hg gLlt M

-s_ ljb]zL d"b|f sf/f]af/ af6 x'g] cfDbfgL dWo] v/Lb laqmLaf6 x'g] gfkmf gf]S;fg tyf lab]zL d'bfsf] k'gd"{Nofg af6 x'g] gfkmf gf]S;fgsf] :ki6
b]lvg] u/L 5'f 5'} n]vf /fVg] ul/Psf] 5 .
-v_
cfly{s jif{sf] cGtdf aSof}tf /x]sf] ljb]zL ljlgdo ;DklQ tyf bfloTjnfO{ jf;nftsf] ldltdf sfod /x]sf] ljb]zL ljlgdo v/Lb tyf ljqmL
b/sf] cf};t d"Nodf ?kfGt/ u/L b]vfpg] ul/Psf] 5 .
-u_
ljb]zL d'b|fsf] vl/b tyf ljqmL b/sf] km/s af6 x'g] gfkmfgf]S;fg nfO{ b}lgs ?kdf "Trading
5.
-3_
ljleGg ljb]zL d'b|fx?sf] b/df ePsf] kl/jt{gaf6 x'g] gfkmfgf]S;fg nfO{ b}lgs ?kdf k'gd"{Nofg gfkmfgf]S;fg lzif{sdf n]vfg ug]{
ul/Psf] 5 . ;fntdfddf v'b k'gd"{Nofg gfkmf ePdf gfkmf gf]S;fg lx;fadf cfDbfgL hgfO{ pQm gfkmfsf] @% k|ltzt /sd gfkmf gf]S;fg
afF8kmfF8 vftfdf vr{ n]lv ;6xL ;lds/0f sf]if df cfDbfgL hgfpg' sf ;fy} k'gd"{Nofg gf]S;fg ePdf gfkmf gf]S;fg lx;fadf vr{ n]Vg]
gLlt /x]sf]] 5 .
Gain/Loss"
lzif{sdf n]vfg ug]{ ul/Psf]
&= u}/ a}+ls ;DklQsf] n]vfg gLlt M

g]kfn /fi6 a}+ssf] u}/ a}+ls ;DklQ ;DaGwL n]vfg gLlt cg'?k u}/ a}+ls ;DklQ sa'n ubf{sf] ;dodf ;Dk"0f{ n]gf /sd cyjf lwtf] /x]sf] ;DklQsf]
k|rlnt ahf/ d"No (Fair market price) dWo] h'g sd 5 ;f]xL /sddf u}/ a}+ls ;DklQsf] n]vfg ug]{ gLlt /x]sf] 5 . u}x| a}+ls ;DklQ n]vfg
u/]sf] aif{df g} ;Dk"0f{ /sdsf] gf]S;fgL Aoj:yf ug{] gLlt /x]sf] 5 .
a}+sn] ;sf/]sf] ;DklQ laqmL ubf{sf] ;dodf x'g] km/s /sdnfO{ ;f]xL jif{sf] gfkmfgf]S;fg lx;fadf ;dfof]hg ug]{ gLlt /x]sf] 5 .
*= kF"lhs[t gul/g] ;DklQx? ;DaGwL n]vfg gLlt M
?=!),))) -b; xhf/_ cyjf ;f] eGbf sd nfutsf] :yL/ ;DklQ v/LbnfO{ v/Lb u/]sf] jif{dfg} cfout (Revenue) vr{ dfgL ckn]vg ug]{ gLlt
/x]sf] 5 .
(= cfDbfgLvr{ n]vfg gLlt M
s=
Aofh u0fgfsf] cfwf/ M Aofh lbg'kg]{ lgIf]k / ;fk6L vftfx?df Aofh lb+bf / shf{ ;fk6df Aofh ln+bf #^% lbgnfO{ Ps jif{sf] cfwf/ dflg
u0fgf ug]{ gLlt /x]sf] 5 . To:t} nufgLdf kfpg] AofhnfO{ ;d]t #^% lbgsf] Ps jif{sf] cfwf/ dflg u0fgf ug]{ gLlt /x]sf] 5 .
ljb]zL d'b|fsf] nufgLdf Aofh u0fgf ubf{ #^) lbg nfO{ cfwf/ lng] gLlt /x]sf] 5 .
v=
Aofh cfDbfgL M g]kfn /fi6 a}+sf/f hf/L lgb]{zgx? cg'?kg} shf{ tyf ;fk6df k|fKt Aofh nfO{ gub k|flKtsf] cfwf/df n]vf+sg ug]{ gLlt
lnO{Psf] 5 . gub k|flKtsf cfwf/df Aofh cfDbfgL hgfpg] of] gLlt g]kfn n]vfdfg )& Revenue ;+u ;fdfGh:otf /fVb}g .
nufgL af6 k|fKt Aofh cfDbfgLnfO{ k|f]befjL cfwf/ -Accrual Basis_ df n]vfg ug]{ gLlt /x]sf]] 5 .
u=
sldzg cfDbfgL M sldzg cfDbfgLnfO{ k|f]befjL cfwf/ -Accrual Basis_ df n]vfg ug]{ gLlt /x]sf]] 5 .
3=
Aofh vr{ M Aofh ltg'{kg]{ lgIf]k bfloTj tyf shf{ ;fk6df ltg'{ kg]{ Aofh /sdnfO{ k|f]befjL cfwf/ -Accrual Basis_ df n]vfg ug]{ gLlt
/x]sf] 5 .
cGo vr{x? M sd{rf/L vr{ nufot cGo ;Dk"0f{ vr{x? nfO{ k|f]befjL cfwf/ -Accrual Basis_ df n]vfg ug]{ gLlt /x]sf]] 5 .
!)= ;Defljt shf{ gf]S;fgL Aoj:yf tyf c;'nL x'g g;Sg] shf{x?sf] ckn]vg gLltM
shf{, ;fk6 tyf ljn v/LbnfO{ g]kfn /fi6 a}+saf6 hf/L lgb]{zg jdf]lhd jlu{s/0f ug]{ gLlt /x]sf] 5 . shf{, ;fk6 tyf ljn v/LbnfO{ jf;nftdf
;Defljt gf]S;fgL Aoj:yf kl5sf] v'b d"Nodf b]vfO{Psf] 5 .
shf{ ;fk6sf] ckn]vg g]kfn /fi6 a}+saf6 hf/L lgb]{zg Pj+ a}+ssf] shf{ ckn]vg ljlgodfjnL jdf]lhd ug{] gLlt /x]sf] 5 .
!!= cGo gLltx? M
s= sd{rf/L shf{M
a}+ssf] sd{rf/L ljlgodfjnL cg';f/ sd{rf/Lx?nfO{ lbO{Psf] shf{ tyf ;fk6 /sdnfO{ cGo ;DklQ lzif{s cGtu{t ;dfa]z ul/Psf] 5 .
v= sd{rf/L cfjf; sf]ifM
a}+ssf sd{rf/Lx?nfO{ cfjf; C0f ;'ljwf lbO{b} cfPsf] kl/k|]Iodf >d P]g, @)$* n] tf]s] cg';f/ sd{rf/L cfjf; sf]ifsf] lgldQ s'g} /sd
Aoj:yf ul/Psf] 5}g .
u= pkbfg sf]ifM
a}+sdf sfo{/t :yfoL sd{rf/Lx?sf] ;]jf cjlwsf] cfwf/df a}+ssf] sd{rf/L ljlgodfjnL cg'?k pkbfg jfktsf] yk bfloTjnfO{ n'lDagL a}+s
lnld6]8 :jLs[t cjsfz sf]if df /sdfGt/ ug]{ gLlt lnO{Psf] 5 .
#%

3.
Jofh b/sf] cGt/ M

ljj/0f
shf{ tyf nufgLsf] cf};t Jofhb/
lgIf]k tyf C0fsf] cf};t Jofhb/
v'b cGt/ (SPREAD)
4.
o; jif{
12=32
9=18
3=14
clws]GbLt ljj/0f M
ljj/0f
shf{ ;fk6
s'n /sd
Clws]lGbt /sd
6,21,31,50,171
6,77,29,96,124
89,00,97,641
26,98,62,685
67,71,31,489
9,21,18,532
4.34%
10.00%
10.30%
clws]GbLt %
5.
lgIf]k
;DklQ tyf bfloTjsf] cGt/fn ;DjGwL ljj/0f M

;do
1-90 lbg
;DklQ
bfloTj
v'b ljQLo ;DklQ
s'n ljQLo ;DklQ
-?=nfvdf_
91-180 lbg
181-270 lbg
271-365
! aif{ eGbf al9
lbg
s'n
32,046
15,187
9,335
21,320
25,587
103,479
31,003
10,373
8,452
13,441
21,828
85,098
1,043
4,813
883
7,879
3,759
18,378
1,043
5,856
6,740
14,619
18,378
6.
;'/lIft C0f M
a}+sn] cfgf] ;DklQ lwtf] /fv]/ s'g} C0f lnPsf] 5}g .
7.
u}/ a}ls ;DklQ ;DaGwL ljj/0f M

s'n d'No
ut jif{sf] df}Hbft
o; jif{ :jLsf/]sf]
o; jif{ ljqmL
o; jif{sf] df}Hbft -s_
v'b u}/ a}+ls ;DklQ -s v_ ?=0
/sd
/sd
Aoj:yf
13,04,67,909
0
5,60,40,774
7,44,27,135
ut jif{sf] df}Hbft
o; jif{sf] yk Aoj:yf
ut jif{sf] Aoj:yfaf6 lkmtf{
o; jif{sf] df}Hbft -v_
13,04,67,909
0
5,60,40,774
7,44,27,135
8.
e'QmfgL k|fKt x'g af+sL (Calls in Arrears) / hkmt ul/Psf t/ k'gM lgisfzg gul/;s]sf (Forfeited but not issued) z]o/x? g/x]sf] . To:t} ut
cf= j= df undersubscribed /x]sf] %$,%@$ lsQf xsk|b z]o/x? lznaGbL af]nkq k|lqmofaf6 o;} cf= j= df laqmL ul/Psf] 5 / ;f] k|lqmofdf
z]o/ /sd eGbf al9 af]n /sd ?= %@,&(,#)^ k"+hLut hu]8f sf]if cGtu{t cg";'rL @ sf] z]o/ lk|ldod df b]vfO{Psf] 5 .
9.
lnhxf]N8 ;DklQ M
ljj/0f
/sd
ut jif{sf] df}Hbft
o; jif{ yk
21,42,395
1,05,95,972
o; jif{sf] x|f;sL
o; aif{sf] ckn]vg
o; jif{sf] df}Hbft
28,87,432
3,16,582
95,34,353
!!= lx;fj ldnfgsf] cj:yf M

Vfftfsf] k|sf/
s= Ph]G;L lx;fa
g]kfn /fi6 a}+s
cGo a}+s tyf ljQLo ;+:yf
v= Zffvf lx;fj
hDdf /sd
0-3
dlxgf
3-9
dlxgf
>9
dlxgf
(2,65,96,261)
(2,66,43,281)
(74,500)
1,21,520
(51,15,109)
(50,43,609)
(71,500)
(2,14,81,152)
(2,15,99,672)
(3,000)
1,21,520
997
997
#&
!@=
a}+sn] cf=j= @)^&)^* sf] lgldQ lt/]sf] clu|d s/ /sd ?= ^,$*,^^,!*( cf=j= @)^&)^* sf] s/ Aoj:yf /sd ?= %,#*,(@,)^( eGbf
?= !,)(,&$,!@) n] a9L /x]sf]n] ;f] a9L /sdnfO{ cg';"rL!^ cGtu{t cGo ;DklQ lzif{sdf b]vfO{Psf] 5 . a}+ssf] s/ bfloTj s/ n]vf kl/If0f
kZrft\ km/s kg{ ;Sg] 5 .
cfGtl/s /fhZj sfof{noaf6 cf=j= @)^@)^# sf] cfos/ lgwf{/0f u/L yk s/ ?= ^&,*%,@*!=)@ nufO{Psf]df pQm cfos/ lgwf{/0fdf lrQ
ga'lem a}+sn] /fhZj Gofoflws/0fdf clkn u/]sf] 5 . ;fy} cfGtl/s /fhZj sfof{noaf6 cf= j= @)^#)^$ sf] cfos/ lgwf{/0f ul/ yk s/
?=%*,@!,^!% nufO{Psf] df pQm cfos/df ;d]t lrQ ga'l a}+sn] >Ldfg dxflgb]{zs Ho", cfGtl/s /fh:j laefudf k|zf;lso k'g/fjnf]sgsf]
nflu k]z u/]sf] 5 . ;fy} pk/f]Qm s/ /sdnfO{ cg';'rL !& cGtu{t cfos/ jfkt ;Defljt bfloTj lzif{sdf b]vfO{Psf] 5 .
!#=
cfos/ lgwf{/0f ug]{ k|of]hgsf] nflu cfjZos x|f; sL vr{ cfos/ P]g, @)%* cg';f/ cnUu} lgwf{/0f ul/Psf] 5 . cfos/ lgwf{/0fsf] nflu
cfjZos x|f;sL vr{ ?= @,!^,**,#@! /x]sf] 5 . o; jif{sf] a}+ssf] n]vfdf ?= @,!%,*),!*# nfO{ x|f;sL vr{ jfkt cg';r
" L@$ df
b]vfO{Psf] 5 .
!$=
o; cf=j=df ljb]zL d'b|fsf] ljlgdo b/af6 x'g uPsf] v'b k'gd"{Nofg gfkmf ?= ^,$&,!)@ nfO{ cg';"rL@@ df b]vfO{Psf]
5 . v'b k'gd"{Nofg gfkmfsf] @% k|ltzt /sd ?= !,^!,&&% gfkmf gf]S;fg afF8kmfF8 vftfdf vr{ n]lv ;6xL ;lds/0f sf]if df cfDbfgL hgfO{Psf]
5.
!%=
kF"hLs[t gul/g] ;DklQ ;DaGwL n]vfg gLlt cg'?k o; cf=j= df gfkmf gf]S;fgdf vr{ b]vfO{Psf] o:tf] k"+hLut vr{ ?= #,)&,(^@ /x]sf] 5 .
!^=
o; cf=j= df ckn]vg ul/Psf] shf{ tyf ;fk6x?nfO{ cg';"rL @*-s_ cGtu{t lj:t[t ?kdf b]vfO{Psf] 5 . o; cf=j= df s'n shf{ tyf ;fk6
ckn]vg ?=17,36,79,949 /x]sf] 5 .
!&=
jf]g; P]g, @)#) cg';f/ o; cf=j= df sd{rf/L jf]g; afkt ?=$,^&,^!,&$# gfkmf gf]S;fg lx;fadf vr{ hgfO{ cGo bfoLTj lzif{sdf b]vfO{Psf]
5.
!*=
o; cf=j= df sd{rf/L labf jfkt ?= %%,)#,$@% nfO{ gfkmf gf]S;fg lx;fadf vr{ n]lv cg';"rL@# cGtu{t cGo lzif{sdf b]vfO{Psf] 5 .
!(=
laut aif{df k"+hLs[t u/L Aofh cfDbfgL hgfO{Psf] Aofh /sd dWo] g]kfn /fi6 a}+ssf] lgb]{zfg';f/ cf= j= @)^@^# sf] Aofh cfDbfgLdf vr{ n]lv
Aofh d'NtjL lx;fadf hDdf ul/Psf]df pQm /sd dWo] cfiff9 d;fGt @)^* ;Dddf c;'n x'g af+ls Aofh /sd ?= !&,%$,%$& /x]sf] x'+bf pQm
/sdn] shf{df c;'n ug{ af+ls Aofh eGbf Aofh d'NtjL lx;fasf] /sd al9 /x]sf] 5 . ;fy} pQm /sddf cf= j= @)^!^@ df cfos/ e'QmfgL
ul/;lsPsf]n] :yug s/ u0fgf k|of]hgsf nflu ;dfj]z ul/Psf] 5 .
@)=
jf;nftsf] ldlt kZrft\ a}+ssf] ljQLo ljj/0fx?nfO{ k|efj kfg]{ ul/ s'g} klg dxTjk"0f{ 36gfx? a}+sdf 36]sf] 5}g .
@!=
cfiff9 d;fGt @)^* sf] cGtdf aSof}tf /x]sf] ljb]zL ljlgdo ;DklQ tyf bfloTjnfO{ lgDgfg';f/sf] b/df ?kfGt/ u/L b]vfO{Psf] 5 .
qm=;+=
!
@
#
$
%
^
&
*
(
!)
!!
!@
!#
!$
!%
!^
!&
!*
!(
#*
d'b|f
ef/tLo ?lkofF
cd]l/sL 8n/
o'/f]
kfpG8 :6ln{
l:j; k|m]+s
c:6]lnog 8n/
Sofg]l8og 8n/
l;Fufk'/ 8n/
hfkfgL o]g
lrlgofF o"cfg
l:jl8; s|f]g/
8]lg; s|f]g/
xs 8n/
;fpbL c/a l/ofn
stf/L l/ofn
yfO{ ef6
;+o'Qm c/a Old/]6 lb/fd
dn]l;og l/lu6
sf]l/og jg
PsfO
!))
!
!
!
!
!
!
!
!)
!
!
!
!
!
!
!
!
!
!))
b/ -g]=?=df_
!^).))
&!.!%
!)).^!
!!$.^&
*^.*(
&^.!$
&#.*#
%*.@^
*.(^
!).(&
!).#*
!@.*@
*.^^
!&.((
!*.%#
@.@$
!*.#&
@@.$*
^.&!
@@=
:yug s/ ;DklQ
(Deferred Tax Assets):
cf=j= @)^&^*
ljj/0f
shf{ gf]S;fgL Joj:yf
ljQLo ljj/0f cg';f/
km/s
cfos/ P]g cg';f/
408,203,875.35
326,009,037.77
82,194,837.58
u}/ a}+ls ;DklQ gf]S;fgL Joj:yf

sd{rf/L ljbf jfkt Joj:yf
k]G;g tyf pkbfg Joj:yf
v'b l:y/ tyf lnhxf]N8 ;DklQ (WDV)
Jofh cfDbfgL
74,427,135.89
74,427,135.89
18,497,316.02
18,497,316.02
21,848,091.71
21,848,091.71
91,330,074.08
88,614,313.00
1,754,547.21
v'b c:yfoL cGt/

:yug s/ ;DklQ @30 %
(2,715,761.07)
1,754,547.21
196,006,167.34
58,801,850.20
:yug s/fnfO{ gfkmf gf]S;fg af+8kmf+8 lx;fadf vr{ n]lv :yug s/ hu]8fdf b]vfO{Psf] 5 .
@#=
d"Vo Joj:yfksLo kbflwsf/Lx?sf] tnj eQf tyf ;'ljwf

ljj/0f
cNksfnLg sd{rf/L ;'ljwfx?
cjsf; ;'ljwfx?
hDdf
;~rfns -?_
@%,#!,*#!
@%,#!,*#!
k|d'v tyf gfoj k|d'v

sfo{sf/L clws[t -?_
@,!*,!&,%))
#),$),*##
@,$*,%*,###
cGo Aoj:yfksLo clws[t -?_

!,!*,(@,&!(
@%,@*,&*&
!,$$,@!,%)^
yk ;'rgfx?M
@$=
s_
;~rfns ;ldlt a}7s jfkt ;ldltsf cWoIfnfO{ k|lt a}7s ? !),))) tyf cGo ;b:ox?nfO{ k|lt a}7s ?=*,))) a}7s eQf
lbg] ul/Psf] 5 . To:t} cWoIfsf] df]afO{n kmf]gsf] vr{ k|lt dlxgf ?=$,))) df ga9g] u/L tyf cGo ;b:ox?sf] df]afO{n kmf]gsf] vr{
k|lt dlxgf ?=#,))) df ga9g] u/L e'QmfgL ug]{ ul/Psf] 5 ;fy} ;~rfns ;ldltsf cWoIf Pj+ ;b:ox?nfO{ k|lt dlxgf ?=&,))) sf
b/n] kq klqsf vr{ jfkt k|bfg ug]{ ul/Psf] 5 . ;fy} k|To]s ;~rfnssf] ?= #) nfvsf] ;fd"lxs b'3{6gf ljdf u/LPsf] 5 .
v_
Aoj:yfkg ;d"x cGtu{t a}+ssf] k|d'v sfo{sf/L clws[t tyf gfoa k|d'v sfo{sf/L clws[tsf] lglZrt jflif{s tnj tyf eQf (Fixed
annual compensation) jfkt cf= j= @)^&^* df ?=@,$*,%*,### e'QmfgL ul/Psf]df pQm vr{nfO{ sd{rf/L vr{df ;dfj]z ul/Psf]
5 . Aoj:yfkg s/f/df pNn]lvt zt{ adf]lhd a}+ssf] Aoj:yfkg ;d"xnfO{ ;~rfng d'gfkmfsf] % k|ltzt /sd sfo{ ;Dkfbgdf cfwfl/t
kfl/>lds (Performance based pay) sf] ?kdf lbO+b} cfPsf]df cf= j= @)^&^* df pQm kfl/>lds jfkt ?=!,$@,^^,%%* Aoj:yf
ul/Psf] 5 . sfo{ ;Dkfbgdf cfwfl/t pQm kfl/>lds ?=!,$@,^^,%%* dWo] k|d'v sfo{sf/L clws[tsf] lx:;f ?=&^,^%,$@@ x'g
cfpF5 . cf= j= @)^&^* df o;sf cltl/Qm k|d'v sfo{sf/L clws[t tyf gfoa k|d'v sfo{sf/L clws[t nfO{ ;jf/L ;fwg tyf
OGwgsf] ;'ljwf k|bfg ul/Psf] 5 .
u_
cGo Joj:yfksLo clws[t cGtu{t ;xfos k|jGws b]lv d"Vo k|jGws;Ddsf] tnj, eQf tyf cGo ;'ljwfx? ;dfj]if ul/Psf] 5
h;cGtu{t dfl;s tyf jflif{s ?kdf k|bfg ul/g] lglZrt jflif{s tnj tyf eQf (Fixed annual compensation) tyf cGo ;'ljwf /x]sf]
5 . o;sf cltl/Qm a}s+sf] sd{rf/L ;'ljwf cGtu{t ;jf/L ;fwg tyf OGwgsf] ;'ljwf k|bfg ul/Psf] 5 .
k|:tfljt af]g; z]o/nfef+z

cf= j= @)^&^* sf] v'b d'gfkmfaf6 a}+ssf] s'n r'Qmf k"+hLsf] !) n] x'g cfpg] /sd ?= !#,)),)),))).)) af]gz z]o/ k|:tfj
ul/Psf] 5 . ;fy} pQm af]g; z]o/sf nflu e'QmfgL ug'kg]{ nfef+z s/sf nflu r'Qmf k"+hLsf] )=%# n] x'g cfpg] /sd ?= ^*,$@,!)%
gub nfef+z k|:tfj ul/Psf] 5 .
#(

Basel II-Capital Adequacy Framework 2007 sf] bkmf &=$ jdf]lhdsf] Disclosure
@%=
1= k+"hLut ;+/rgf tyf k"+hL kof{Kttf (Capital Structure and Capital Adequacy)
x
k|fylds k+hL -Tier- I Capital) tyf o;sf] ;+/rgf

ljj/)f
/sd ?
rQmf k+hL
1,30,00,00,000
k|:tfljt af]g; z]o/
13,00,00,000
z]o/ lk|ldod
52,79,306
;+lrt sf]if
33,08,35,016
;+lrt gfkmf tyf -gf]S;fgL_
2,08,87,875
s'n k|fylds k+hL

x
1,78,70,02,197
k/s k+hL -Tier- II Capital) tyf o;sf] ;+/rgf

ljj/)f
/sd ?
;fdfGo shf{ gf]S;fgL Aoj:yf
6,15,15,636
;^xL ;lds/)f sf]if
1,831,077
15,34,000
cGo sf]if -:yug s/ sf]if_
5,88,01,850
s'n k/s k"+hL
12,36,82,563
;xfos cfjlws shf{ -Subordinated Term Debt) hf/L ul/Psf] %}g .
k+hLjf^ #^fO{Psf] -Deductions from Capital_

ljj/)f
/sd ?
z]o/ k|Tofelt (Underwriting) f/f lxdfno l*i^Ln/L ln= df ePsf] z]o/ nufgL
x
4,471,000
s'n k+hLsf]if (Total Qualifying Capital Fund)

ljj/)f
/sd ?
k|fylds k"+hLsf]if
1,78,25,31,197
k/s k"+hLsf]if
12,36,82,563
s'n k"+hLsf]if
x
1,90,62,13,760
k+hLsf]ifsf] cg'kft
k"+hLsf]if
$)
cg'kft
k|fylds k"+hLsf]ifsf] cg'kft
22=65%
sn k+hLsf]ifsf] cg'kft (Tier I +Tier II)
24=22%
a}+ssf] sn hf]lvdefl/t ;DklQdf s'n k+hLsf]ifsf] cgkft 2068 cfiff( d;fGtdf 24=22 k|ltzt /x]sf] % . a}+ssf] ;+rfns ;ldlt
tyf n]vfkl/If)f ;ldltn] k+hLsf]if kof{Kttf tyf o;sf] cljlR%Gg kl/kfngfsf] lgoldt ?kdf cg'udg ub}{ cfPsf] % . a}s
+ df x'g]
ljleGg sfo{x? h:t} shf{ k|jfx, nufgL, vl/b tyf cGo ;+rfng s[ofsnfkx?df lglxt hf]lvd tyf To;jf^ a}+ssf] k+hLsf]ifdf kg{
;Sg] k|efj sf] plrt ljZn]if)f u/L cfjZos lg)f{o lng] ul/Psf] % .
a}+ssf] k|fylds k+HfLdf r'Qmf k+hL, z]o/ lk|ldod, ;fwf/)f hu]*f sf]if tyf ;+lrt gfkmf/gf]S;fgLnfO{ ;dfj]z ul/Psf] % . pQm k+hLdf
s'g} klg lsl;dsf] zt{ aGb]hx? g/x]sf] tyf k")f{tM :jtGq /x]sf] % . :yug s/ cGtu{t ?=5,88,01,850 hu]*f sf]ifsf] Aoj:yf
ul/Psf] % . a+}sdf ;xfos cfjlws C)f -Subordinated Term Debts) /x]sf] %}g .

2= hf]lvdefl/t ;DklQ -Risk Exposures)
x
shf{ ;DalGw hf]lvd, ;+rfng ;+DjlGw hf]lvd tyf ahf/ ;+DjlGw hf]lvdefl/t /sd
ljj/)f
/sd ?
shf{ nufgL ;DalGw hf]lvdsf nflu hf]lvdefl/t /sd
7,26,65,26,454
;+rfng ;+DjlGw hf]lvdsf nflu hf]lvdefl/t /sd
57,36,27,614
ahf/ ;+DjlGw hf]lvdsf nflu hf]lvdefl/t /sd
2,95,40,264
s'n hf]lvd efl/t /sd

x
7,86,96,94,332
shf{ nufgL ;DalGw hf]lvd

qm= ;=
ljj/)f
hf]lvd efl/t /sd
;/sf/ tyf g]kfn /fi^ a}+s;+usf] bfjL
cGt/f{liô ;+:yfx?;+usf] bfjL
ljleGg a}+sx?;+usf] bfjL
4,90,05,056
cfjfl;o #/hUufjf^ ;/lIft bfjL
12,77,27,453
pkef]Uo tyf ;fgf shf{
91,77,94,114
u|fgnfl/l^ l;dfafx]s cGo zt{ kfngf u/]sf] pkef]Uo tyf ;fgf shf{
26,29,07,070
Aofkfl/s #/hUufjf^ ;/lIft bfjL
e'QmfgL cjlw ;dfKt eO{;s]sf] bfjL
10
pRr hf]lvdo'Qm bfjL
11
12
cGo ;DklQx?
13
u}/ sf]ifdf cfwfl/t ;'ljwf
2,87,40,93,207
30,10,35,403
3,01,99,436
1,61,14,32,577
83,80,500
20,27,16,167
88,12,55,471
hDdf hf]lvd efl/t /sd

x
7,26,65,26,454
sn hf]lvd efl/t /sd u)fgf

ljj/)f
/sd ?
shf{ nufgL ;DjGwL hf]lvdefl/t /sd -Credit Risk_
7,26,65,26,454
;+rfng ;+DjGwL hf]lvdefl/t /sd -Operation Risk_
57,36,27,614
ahf/ ;+DjGwL hf]lvdefl/t /sd -Market Risk_
2,95,40,264
s'n hf]lvd efl/t /sd -Total Risk Weighted Exposure_
7,86,96,94,332
k|fylds k"+hLsf]if
1,78,25,31,197
k/s k"+hLsf]if
12,36,82,463
s'n k"+hLsf]if
1,90,62,13,760
k|fylds k+"hLsf]ifsf] cg'kft
22=65%
s'n k+hLsf]ifsf] cg'kft (Tier I +Tier II)
24=22%
lgis[o shf{ ;fk^

lgis[o shf{ ;fk^
k'g/;+/rgf ul/Psf]
s'n /sd
v'b /sd
-
481,364
361,023
39,397,115
19,771,934
v/fa
19,855,385
hDdf
59,733,864
20,132,957
sd;n
z+sf:kb
$!
lgis[o shf{ ;fk^ cg'kft

shf{ ;fk^
s'n /sd
k'g/;+/rgf ul/Psf]
k|ltzt
sd;n
361,023
0.01%
39,397,115
0.63%
19,771,934
0.32%
v/fa
19,855,385
0.32%
hDdf
59,733,864
0.96%
20,132,957
0.33%
6,213,111,580
6,111,976,880
lgis[o shf{ ;fk^df kl/jt{g

s'n /sd
shf{ ;fk^
ut jif{
k'g/;+/rgf ul/Psf]
km/s
o; jif{
/sd
Kf|ltzt
104,501,585
(104,501,585)
(100.00%)
sd;n
2,585,932
481,364
(21,04,568)
(81.39%)
Z+fsf:kb
24,067,377
39,397,115
1,53,29,738
63.70%
v/fa
222,122,735
19,855,385
(20,22,67,350)
(91.06%)
hDdf
353,277,629
59,733,864
(29,35,43,765)
(83.09%)
shf{ tyf Aofh ckn]vg

ljj/)f
0.01%
s'n shf{
k|ltzt
481,364
Z+fsf:kb
v'b /sd
/sd
shf{ ckn]vg
17,36,79,949
Aofh ckn]vg
7,41,34,535
shf{ gf]S;fgL Joj:yf tyf Aofh d'NtaLdf kl/jt{g

ljj/)f
ut jif{
km/s
o; jif{
/sd
s= shf{ gf]S;fgL Joj:yf
385,646,615
101,134,700
(284,511,916)
(73.78%)
c;n
51,399,500
61,533,793
10,134,294
19.72%
k'g/;+/rgf ul/Psf]
99,501,585
(99,501,585)
(100.00%)
646,483
120,341
(526,142)
(81.39%)
11,976,314
19,625,181
7,648,867
63.87%
v/fa
222,122,735
19,855,385
(202,267,350)
(91.06%)
v= Aofh d'NtaL
139,343,307
55,490,318
_(83,852,989)
(60.17%)
sd;n
z+sf:kb
yk shf{ gf]S;fgL Joj:yfsf] ljj/)f

ljj/)f
c;n
sd;n
z+sf:kb
$@
K|fltzt
/sd
2,29,20,931
1,14,965
1,90,72,151
v/fa
3,16,038
hDdf
4,24,24,085

3= hf]lvd Aoj:yfkg sfo{ -Risk Management Function_
shf{ ;DjGwL hf]lvd Joj:yfkg -Credit Risk Management_
shf{ hf]lvd Aoj:yfkgsf] nflu a}+sdf shf{ ljZn]if)f, shf{ k|zf;g, shf{ ;+rfng tyf shf{ hf]lvd Aoj:yfkg ljefux? :yfkgf ul/Psf
%g\ . shf{ k|jfx tyf shf{ hf]lvd Aoj:yfkgsf] nflu Credit Policy Guide tyf ljleGg shf{x?sf] nflu Product Papers tof/ u/L ;f]xL
cg'?k sfo{;Dkfbg ug]{ ul/Psf] % . Credit Policy Guide tyf Product Paper x?df shf{ k|jfx ubf{ ckgfpg'kg]{ Go'gtd k|s[ofx? tyf
lng'kg]{ sfuhkqx?sf] :ki^ Aoj:yf ul/Psf] % . ;fy} shf{ ljZn]if)f, shf{ k|zf;g, shf{ ;+rfng tyf shf{ hf]lvd Aoj:yfkg ljefux?af^
;Dkfbg ul/gkg]{ sfo{x?sf] :ki^ Aoj:yf ug{sf cltl/Qm shf{ l:js[t ug]{ k|s[ofsf] :ki^ Aoj:yf ul/Psf] % .
shf{ ljZn]if)f ubf{ k|:tfljt shf{df lglxt ;Defljt hf]lvdx? h:t} Supply Risk, Production Risk, Demand Risk, Collection Risk, Political Risk,
Management Risk tyf pQm hf]lvdx?af^ xg;Sg] k|efjsf] jf/]df ljZn]if)f ug]{ ul/Psf] % .
shf{ hf]lvd sd ug{ tyf shf{sf] u')f:t/
sfod ug{ lgoldt ?kdf shf{sf] :ynut lgl/If)f ug]{ ul/Psf] % eg] eljiodf xg;Sg] ;Defljt gf]S;fgL sd ug{ lwtf]sf] ljdf lgoldt
ul/Psf] % . a}+sdf /x]sf] shf{ hf]lvd Aoj:yfkg ljefun] shf{ k|jfx kZrft\ lgoldt ?kdf shf{sf] cgudg ug]{ u/]sf] % . shf{df
b]lvPsf tTsflng ;d:ofx? tyf shf{ c;'nLdf ePsf s[ofsnfkx?sf] b}lgs ?kdf Executive Committee df %nkmn u/L cfjZos lg)f{o Pj+
lgb]{zg ug]{ ul/Psf] % . a}+ssf] cfGtl/s n]vfk/LIfsn] :jtGq ?kdf shf{sf] n]vfk/LIf)f u/L cf}+NofPsf s}lkmotx?sf] k|efjsf/L sfof{Gjog
ug]{ ul/Psf] % .
ahf/ ;DjGwL hf]lvd Aoj:yfkg -Market Risk Management_
jhf/ ;DjGwL hf]lvdsf] k|efjsf/L Aoj:yfkgsf] nflu a}+ssf] Treasury Front Office sf] sfo{nfO{ k|efjsf/L agfOPsf] % . ljb]zL db|fx?sf]
ljlgdo b/df x'g] kl/jt{g af^ a}+snfO{ x'g ;Sg] #f^f sd ug{ ljb]zL db|fx?sf] Net Open Position nfO{ ;s];Dd square off ug]{ tyf open
position /fVg kg]{ ePdf gfoa sfo{sf/L k|dv jf sfo{sf/L k|dvsf] kj{ l:js[lt lngkg]{ Joj:yf ul/Psf] % . Treasury sfo{nfO{ Aojl:yt
tyf k|efjsf/L u/fpg Treasury Operation Manual sfof{Gjogdf NofOPsf] % .
a}+ssf] ;Dklt bfloTj Aoj:yfkg ;ldlt -ALCO_ sf] a}&s lgoldt ?kdf a;L tTsflng ahf/sf] cj:yf tyf To;af^ eljiodf x'g ;Sg]
k|efjsf] cg'udg u/L ;DklQ bfloTjsf] Aoj:yfkgdf cfjZos lg)f{o ug]{ ul/Psf] % . ;Dklt bfloTjsf] k|efjsf/L Aoj:yfkgsf] nflu lglt
sfof{Gjogdf NofOPsf] % .
;+rfng ;DjGwL hf]lvd Joj:yfkg -Operation Risk Management_
Gf]kfn /fi^ a}+ssf lgb]{zgx? tyf a}+ssf] cfGtl/s lglt, lgod tyf kl/kqx?sf] sfof{Gjogdf Zero Tolerance sf] l;$fGt cg'?k a}+s
;+rfng ul/Psf] % eg] ;+rfng hf]lvdnfO{ Golgs/)f ug{ k|efjsf/L cfGtl/s lgoGq)f k|)ffnL cjnDjg ul/Psf] % . a}+ssf ljleGg
s[ofsnfkx?sf] ;Dkfbgdf lgoldttf tyf ;dfgtfsf] nflu ljleGg lglt, lgod tyf sfo{ljlwx?
tof/ u/L sfof{Gjogdf NofOPsf] % eg]
pQm lglt lgod tyf sfo{ljlwx?nfO{ ;do ;fk]If kl/dfh{g ug]{ ul/Psf] % . cfGtl/s n]vfk/LIfsn] :jtGq ?kdf n]vfk/LIf)f u/L
cf}+NofPsf ;+rfng ;DjGwL s}lkmotx? ;dodf g} ;wf/ u/L eljiodf To:tf s}lkmotx? bf]xf]l/g glbg cfGtl/s lgoGq)f k|)ffnLnfO{ k|efjsf/L
agfp+b} nluPsf] % . a}+ssf k|To]s sf/f]af/df sDtLdf bf]xf]/f] lgoGq)f k|)ffnL cjnDjg u/L ;f]xL adf]lhd a}+lu ;^j]o/df bf]xf]/f] lgoGq)f
k|)ffnLsf] Aoj:yf ul/Psf] % . a}+ssf k|To]s s[ofsnfkdf ;f+u&lgs (f+rf -Organization Structure_ lgwf{/)f u/L ;f]xL adf]lhd ;+rfgn
;+DjGwL hf]lvd Aoj:yfkg tyf lgoGq)f k|)ffnL cjnDjg ul/Psf] % . a}+ssf k|To]s zfvfx?n] dfl;s ?kdf cfkm\gf] ;DklQ Pj+ bfloTjsf]
lj:t[t ljj/)f -Exhibit_ clgjfo{ ?kdf tof/ u/L skf]{/]^ sfof{nosf] ;+rfng ljefudf k&fpg kg]{ Aoj:yf ul/Psf] % . pk/f]Qm
ljj/)fx?sf] cWoog kZrft\ ;+rfng ljefun] zfvf sfof{nox?sf] ;DklQ Pj+ bfloTj Aoj:yfkgsf nflu cfjZos lgb]{zg lbg] u/]sf] % .
pk/f]Qm Aoj:yf kZrft\ zfvf sfof{nox?sf] lx;fjdf sg} klg item nfdf] ;do ;Dd pending g/xg]] tyf cfGtl/s lgoGq)f k|)ffnL
k|efjsf/L e} ;+rfng hf]lvd Aoj:yfkg ;xh xg uPsf] % .
x
a}+sdf k|of]udf /x]sf Credit Risk Mitigants

sf]ifdf cfwfl/t tyf u}x| sf]ifdf cfwfl/t shf{ ;'ljwfx?df ;'/If)fsf] ?kdf /flvPsf] o; a}sdf /x]sf] gub ;'/If)f tyf gub dflh{gnfO{
credit risk mitigants sf] ?kdf lnOPsf] % . cfiff( d;fGt 2068 df lgDg jdf]lhdsf] /sd Credit Risk Mitigation cGtu{t ;'ljwf lnOPsf]
% .
sf]ifdf cfwfl/t ;'ljwf
/sd ?=
-
cfjfl;o #/hUuf shf{

pkef]Uo tyf ;fgf shf{
3,83,19,619
;+# ;+:yf pk/sf] shf{
9,80,46,294
u|fgnfl/l^ l;dfafx]s cGo zt{ kfngf u/]sf] pkef]Uo tyf ;fgf shf{
90,00,000
hDdf sf]ifdf cfwfl/t Credit Risk Mitigants

u}x| sf]ifdf cfwfl/t ;'ljwf
k|ltt kq -6 dlxgf ;Ddsf] cjlw_
k|ltt kq -6 dlxgf eGbf jl(sf]
14,53,65,912
/sd ?=
1,75,65,928
cjlw_
lj* j)* tyf kkm{d]{G; j)*

hDdf u}x| sf]ifdf cfwfl/t Credit Risk Mitigants
59,77,062
2,06,71,793
4,42,14,782
pNn]lvt Credit Risk Mitigants n] a}+ssf] nflu cfjZos Go'gtd k+hLsf]ifnfO{ ?=15,26,23,622 n] #^fPsf] % .
@^=
k'g;{d"xs/)f tyf k'gj{lu{s/)f (Regrouping and Reclassification):

;+nUg ljQLo ljj/)fx?nfO{ lgs^td ?k}+ofdf b]vfOPsf] % . ut jif{sf] /sdx?nfO{ cfjZostf cg';f/ k'g;{d"xs/)f tyf k'gj{lu{s/)f
ul/Psf] % .
$#
;+:yfks;+:yfks ;d"xsf z]o/ wgLn] cfkm\gf] :jfldTjdf /x]sf] z]o/ cGo a}+s tyf ljQLo ;+:yfdf lwtf] /fvL shf{ lnPsf] ljj/0f
qm=
;+=
!
@
#
$
%
^
&
*
(
$$
;+:yfkssf] :jfldTjdf sfod /x]sf] z]o/

s'n r'Qmf k"+hLsf]
s'n lsQf ;+Vof
k|ltzt
x]]6f}8f O{Ge]i6d]06 P08 6]l8 s+= k|f= ln=
#())))
#=))
ef6e6]gL ;'k/dfs]{6\; k|f= ln=
$$$!^&
#=$@
l;6f}nf O{Ge]i6d]06 k|f= ln=
^%^(*@
%=)%
zlQm uf]Nofg
@@&%))
!=&%
;Dk'0f{ bf; t'nfw/
!%&@$
)=!@
lqnf]s g/l;+ zfSo
!#)))
)=!)
ho u0f]z O{Ge]i6d]06 k|f= ln=
!)^)*(
)=*@
lgd{n k|wfg
^%)))
)=%)
gfdvf nfdf
())))
)=^(
;+:yfks;+:yfks ;d"x cGtu{t kg]{

z]o/wgLsf] gfd
>L
>L
>L
>L
>L
>L
>L
>L
>L
cg';"rL 4=34
shf{ ljj/0f
shf{ lnPsf] cGo
lwtf]df /x]sf] s}lkmot
shf{ /sd
a}+sljQLo ;+:yfsf] gfd
z]o/ lsQf ;+Vof
k|'8]gl;n kmfO{gfG; s+= ln= gv'n]sf]
!)))))
nIdL a}+s ln=
gv'n]sf]
$$$!^&
Unf]an a}+s ln=
gv'n]sf]
!)#@^^
PgPdla a}+s ln=
gv'n]sf]
@@&%))
Pjg ;]le P08 s|]l86
gv'n]sf]
*^@(
a}s ckm Plzof
gv'n]sf]
!#)))
PgPdla a}+s ln=
gv'n]sf]
!)^)*(
k|fO{d sdl;{on a}+s ln= gv'n]sf]
^%)))
cfO{l;Pkml; ljQLo ;+:yf gv'n]sf]
())))
Comparision of Unaudited and Audited Financial Statement as of FY 2067/68
cg';"rL 4=35
NPR In '000
S.N. Particulars
1.
1.1
1.2
1.3
1.4
1.5
TotalCapitalandLiabilities(1.1to1.7)
Paid Up Capital
Reserve and Surplus
Debenture and Bond
Borrowings
Deposits ( a.+ b.)
a. Domestic Currency
b. Foreign Currency
1.6 Income Tax Liability
1.7 Other Liabilities
2. TotalAssets(2.1to2.7)
2.1 Cash and Bank Balance
2.2 Money at Call and Short Notice
2.3 Investments
2.4 Loans and Advances ( a + b + c + d + e + f)
a. Real Estate Loan
1. Residential Real Estate Loan (Except personal Home
Loan upto Rs. 80 Lacs)
2. Business Complex & Residential Apartment Construction
Loan
3. Income Generating Commercial Complex Loan
4. Other Real Estate Loan ( Including Land Purchase &
Plotting)
b. Personal Home Loan of Rs 80 Lacs or Less
c. Margin Type Loan
d. Term Loan
e. Overdraft Loan/TR Loan/WC Loan
f. Others
2.5 Fixed Assets
2.6 Non Banking Assets
2.7 Other Assets
3. Profit and Loss Account
3.1 Interest Income
3.2 Interest Expense
A.NetInterestIncome(3.13.2)
3.3 Fees, Commission and Discount
3.4 Other Operating Income
3.5 Foreign Exchange Gain/Loss (Net)
B.TotalOperatingIncome(A.+3.3+3.4+3.5)
3.6 Staff Expenses
3.7 Other Operating Expenses
C.OperatingProfitBeforeProvision(B.3.63.7)
3.8 Provision for Possible Losses
D.OperatingProfit(C.3.8)
3.9 Non Operating Income/Expenses (Net)
3.10 Write Back of Provision for Possible Loss
E.ProfitfromRegularActivities(D.+3.9+3.10)
3.11 Extraordinary Income/Expenses (Net)
F.ProfitbeforeBonusandTaxes(E.+3.11)
3.12 Provision for Staff Bonus
3.13 Provision for Tax
3.14 Deferred Tax
G.NetProfit/Loss(F.3.123.13)
As per
Unaudited
Financial
Statement
9,056,328
1,300,000
556,011
6,772,996
6,691,301
81,695
(10,974)
438,295
9,056,328
1,100,081
1,332,994
6,213,112
912,338
As per
Variance
Audited
Reason for Variance
In
Financial
In %
Amount
Statement
9,056,328
1,430,000 130,000 10.00% Adjustment of Proposed Bonus Share
419,169 (136,842) -24.61% Adjustment of Proposed Bonus Share & Dividend
6,772,996
6,691,301
81,695
(10,974)
445,137
6,842
1.56% Adjustment of Proposed Dividend
9,056,328
1,100,081
1,332,994
6,213,112
912,338
-
72,210
72,210
112,510
355,623
112,510
355,623
371,995
109,081
63,539
714,669
1,907,111
2,506,374
100,647
74,427
235,067
371,995
109,081
63,539
714,669
1,907,111
2,506,374
100,647
74,427
235,067
942,742
519,079
423,664
16,193
16,449
11,232
467,538
81,531
115,965
270,042
44,238
225,804
1,623
382,977
610,403
(96,024)
514,379
46,762
51,408
26,516
942,742
519,079
423,664
16,193
16,449
11,232
467,538
81,531
115,965
270,042
44,238
225,804
1,623
382,977
610,403
(96,024)
514,379
46,762
51,408
26,516
389,693 389,693
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Lumbini Bank Limited

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