10% Nabil Debenture 2082 PDF

sDkgL P]g, @)^# cGtu{t ;+:yflkt /
a}+s tyf ljQLo ;+:yf ;DaGwL P]g, @)^# adf]lhd sfd sf/f]jf/ ug]{
glan a}+s lnld6]8
NABIL BANK LIMITED
-g]kfn /fi6« a}+s af6 æsÆ ju{sf] Ohfht k|fKt ;+:yf_
tLgwf/f, b/af/dfu{, sf7df08f}+
kmf]g g+=– (&&–!–$@@!&!*, $@@&!*!, ˆofS; g+=– (&& –!–$@@^()%
Email: info@nabilbank.com, URL: http://www.nabilbank.com
sf]
& jif{ cjlw tyf jflif{s !) k|ltzt Jofhb/ ePsf] æ!)Ü glan l8a]Gr/ @)*@Æ
sf] ljj/0fkq
;ft jif{ cjlw tyf jflif{s !) k|ltzt Aofhb/ ePsf] k|lt l8a]Gr/ ?=!,)))÷-c+lst d"Nosf @) nfv lsQfn] x'g cfpg] ?=
@ ca{ a/fa/sf]C0fkq dWo] !@ nfv lsQf C0fkqn] x'g cfpg] s'n ?=! ca{ @) s/f]8 C0fk"FhL /sd JolQmut tj/ (Private Pla
cement) af6 laqmL ul/g] / * nfv lsQf C0fkqn] x'g cfpg] ?= *) s/f]8 C0fk"FhL /sd -%Ü cyf{t $),))) lsQf ;fd'lxs nufgL
sf]ifsf nflu 5'§ofO{Psf ;d]t_ ;j{;fwf/0f g]kfnLsf] nflu ;fj{hlgs lgisfzgaf6 laqmL ul/g] .
b/vf:t ;fy k|lt C0fkq ?= !)))÷—sf] b/n] -zt k|ltzt_ e'QmfgL dfu ul/Psf]
jf:tljs k|If]lkt
ljj/0f cf=a= cf=a= cf=a= cf=a= cf=a= cf=a=
)&#÷)&$ )&$÷)&% )&%÷)&^ )&^÷)&& )&&÷)&* )&*÷)&(
k|lt z]o/ g]6jy{ -?=_ 270 256 257.31 310 378 458
k|lt z]o/ cfDbfgL -?=_ 59.86 49.51 50.57 56 68 80
;+lrt gfkmf÷gf]S;fgL -?= 933,253 3,254,810
3,735,334 7,66,07,28 12,002,977 17,220,585
xhf/df_
nufgLdf x'g] hf]lvd ;DaGwL pb\3f]if0f M
lwtf]kqdf ul/g] nufgLdf hf]lvd x'g] ePsf]n] To:tf] hf]lvdsf] d"NofÍg ug]{ k|d'v bfloTj nufgLstf{ :jo+sf] x'g]5 / lwtf]kqsf] lgisfzg
d'Non] ;"lrs/0f kZrft lwtf]kq ahf/df x'g] sf/f]jf/ d"No ghgfpg] x'Fbf o; ljj/0fkqsf] bkmf * df pNn]lvt hf]lvdx? ;d]tsf]
cWoog u/]/ dfq nufgL ;DaGwL lg0f{o lng ;'emfj ul/G5 .
lgodg lgsfosf] hjfkmb]lxtf g/xg] pb\3f]if0f M
AolQmut tj/ (Private Placement) af6 / ;j{;fwf/0fnfO{ laqmL ug{sf nflu tof/ ul/Psf] o; ljj/0fkqnfO{ lwtf]kq ;+aGwL sfg"g
adf]lhd g]kfn lwtf]kq af]8{n] :jLs[tL k|bfg u/]sf] 5 . o;/L af]8{n] ljj/0fkqdf :jLs[lt k|bfg u/]sf] sf/0faf6 s;}n] g]kfn lwtf]kq
af]8{, sDkgL /lhi6f/sf] sfof{no jf ;Da4 cGo lgodg lgsfon] ljj/0f kqdf pNn]lvt s'/fsf] ;Totf jf lgisfzgstf{ jf kl/of]hgfsf]
cfly{s ;Ifdtfsf] af/]df s'g} k|sf/sf] k|Tofe'tL u/]sf] jf lhDd]jf/L lnPsf] dflgg] 5}g .
o; a}+sn] hf/L ug{ nfu]sf] ?= @ cj{sf] (10% Nabil Debenture 2082) nfO{ Oqmf g]kfn lnld6]8n] clws Go"g shf{ hf]lvd (very low
credit risk) hgfpg] [ICRANP] LAA- u|]l8Ë ldlt@)&^/)!/!@ df k|bfg u/]sf] 5 . pQm /]l6Ën] k|fKt ug]{ Instrument s nfO{ ;dodf g}
ljQLo bfloTj k'/f ug]{ ;DaGwdf pRr (high)dfqfdf ;'/lIft dflGg5 .;fy} o; a}+snfO{ Oqmf g]kfn lnld6]8n] clws Go"g shf{ hf]lvd
(very low credit risk) hgfpg] [ICRANP-IR] AA- u|]l8Ë k|bfg u/]sf] 5 .
o; ljj/0fkq dfkm{t lgisfzg x'g] C0fkq a}+ssf] ;DklQ ;'/If0f g/fvL lgisfzg ul/Psf] c;'/lIft C0f (Unsecured Debt) ePsf] /
sy+sbflrt a}s 6f6 klN6Pdf cGo ;'/lIft ;fx', lgIf]kstf{ eGbf kl5 dfq e'QmfgLdf k|fyldstfsf x'g]u/L lgisfzg ul/Psf] ;xfos C0f
(Subordinated Debt) ePsf] x'Fbf k|rlnt sfg'gn] k|bfg u/]sf] afx]s a}+ssf] ;DklQdf C0fkqjfnfsf] s'g} lglb{i6 xs (Specific Charge)
clwsf/ x'g] 5}g . o; ljj/0fkq dfkm{t lgisfzg ul/g] C0fkqjfnfsf] a}+sf] ;DklQdf låtLo xs x'g]5 . a}+ssf] :DklQdf ;'/lIft ;fx' /
lgIf]kstf{sf] k|yd xs nfUg]5 .
g]kfn lwtf]kq af]8{af6 ljj/0fkq :jLs[t ePsf] ldltM@)&^/!)/)^ g]kfn /fi6« a}+saf6 ljj/0fkq :jLs[t ePsf] ldltM@)&^/!)/!#
sDkgL /lhi6«f/sf] sfof{nodf ljj/0fkq btf{ ePsf] ldlt M=@)&^/!)/@$ lgisfzg v'Nnf x'g] ldlt M@)&^/!@/)@
lgisfzg aGb x'g] ldlt -l56f]df_ M@)&^/!@/)% lgisfzg aGb x'g] ldlt -l9nf]df_ M@)&^/!@/!^
lwtf]kq lgisfzg tyf laqmL k|aGws M
(100% Subsidiary of Laxmi Bank Limited)

nIdL Soflk6n dfs]{6 lnld6]8
kf]=a=g+= *$$(, gof+ afg]Za/, sf7df8f}+, g]kfn, kmf]g g+=—$&*)@@@, $&*!%*@, ˆofS; g+=— $&*)%*#
Email : info@laxmicapital.com.np, URL: www.laxmicapital.com.np
0
v=!= ljj/0fkqdf k|of]u ePsf k|fljlws tyf cGo zAbfjnLsf] kl/efiff M
s_ æljj/0fkqÆ eGgfn] sDkgL P]g @)^# sf] bkmf @# adf]lhd / lwtf]kq ;DaGwL P]g, @)^# sf] bkmf #)
adf]lhd k|sflzt ljj/0fx? ePsf] k'l:tsfnfO{ ;Demg' kb{5 .
v_ ælwtf]kq lgisfzg tyf laqmL k|aGwsæ eGgfn] nIdL Soflk6n dfs]{6 lnld6]8, gof+ afg]Zj/, sf7df8f}+nfO{
;Demg' kb{5 .
u_ ælwtf]kqÆ eGgfn] ;+ul7t ;+:yfn] hf/L u/]sf !)% glan l8a]Gr/ @)*@ nfO{ hgfp+5 .
3_ æ;+ul7t ;+:yf÷sDkgLÆ eGgfn] lgisfzgstf{ sDkgL glan a}+s lnld6]8nfO{ ;Demg' kb{5 .
ª_ æ;+sng s]Gb|Æ eGgfn] ;fj{hlgs lgisfzgsf] nflu tof/ ul/Psf] ljj/0fkq / b/vf:t kmf/d k|fKt ug{
;lsg] tyf b/vf:t kmf/d ;fy /sd a'emfpg ;lsg] u/L tf]lsPsf ;+:yfx?nfO{ ;Demg' kb{5 .
r_ ælgisfzg a}+sÆ eGgfn] lgisfzg tyf laqmL k|aGws;Fu ;Demf}tf u/L lwtf]kq lgisfzgsf] qmddf
cfj]bsaf6 k|fKt x'g] /sd hDdf ug{ lhDd]jf/L lng] afl0fHo a}+snfO{ ;Demg' kb{5 .
5_ ælgodg lgsfoÆ eGgfn] g]kfn lwtf]kq af]8{, sDkgL /lhi6«f/sf] sfof{no, g]kfn /fi6« a}+snfO{ ;Demg' kb{5 .
h_ æ;+:yfks, ;+rfns, sfo{sf/L k|d'v tyf Aoa:yfkgæ eGgfn] glan a}+s lnld6]8sf] ;+:yfks, ;+rfns,
sfo{sf/L k|d'v tyf Aoa:yfkgnfO{ ;Demg' kb{5 .
em_ æaf]8{Æ eGgfn] g]kfn lwtf]kq af]8{nfO{ ;Demg' kb{5 .
`_ æcfwf/e"t z]o/wgLÆ eGgfn] sDkgLsf] r'Qmf kF"hLsf] ! k|ltzt eGbf a9L z]o/ wf/0f u/]sf] z]o/wgLnfO{
;Demg' kb{5 .
v=@= ljj/0fkq tyf b/vf:t k|fKt ug{] / a'emfpg] :yfg M

l8a]Gr/ vl/bsf nflu b/vf:t kfOg], /sd hDdf ug]{ / cfj]bg a'emfpg] :yfgx?sf ;fy} l8a]Gr/ vl/bsf] nflu
tof/ ul/Psf] æl8a]Gr/ lgisfzg ;DaGwL ljj/0fkqÆ k|fKt ug{ jf x]g{ ;lsg] :yfgx? M
l;=g+= ljj/0fkq x]g{ tyf k|fKt ug{ ;lsg] :yfgsf] gfd / 7]ufgf
!= nIdL Soflk6n dfs]{6 lnld6]8, gofFafg]Zj/, sf7df8f}+
@= glan a}+s lnld6]8, tLgwf/f, b/af/dfu{, sf7df8f}+
;fy} lwtf]kq lgisfzg tyf laqmL k|aGwssf] j]e;fO6 www.laxmicapital.com.np tyf lgisfzgstf{ sDkgLsf]
website:www.nabilbank.com jf g]kfn lwtf]kq af]8{sf] j]e;fO6 www.sebon.gov.np af6 ;d]t o; lgisfzgsf] nflu
:jLs[t ljj/0fkq x]g{ ;Sg' x'g]5 .
;j{;fwf/0fsf] xsdf M
l;=g+= b/vf:t kmf/d k|fKt ug]{ / a'emfpg] :yfg
!= g]kfn lwtf]kq af]8{af6 cg'dlt lnO{ cf:jf (ASBA) ;]jfdf ;xefuL a}+s tyf ljQLo ;+:yfx?af6 l;—cf:jf
(CASBA) k|0ffnL dfkm{t cfj]bg lbg ;lsg]5 .
JolQmut tj/ (Private Placement) sf] xsdf M

o; lgisfzg JolQmut tj/af6 klg ul/g] ePsf]n] a+}ssf laqmL k|jGwsn] a}+s ;Fusf] ;xdltdf vl/bstf{x? Vff]hL u/L
cfk;L ;xdltdf ljt/0f ul/g]5 .
1
u=!= lwtf]kq lgisfzg tyf laqmL k|aGwssf] pb\3f]if0f M
xfdLnfO{ lgisfzgstf{ ;+ul7t ;+:yf tyf o;sf ;+:yfks÷;+rfnsx?n] pknAw u/fPsf] ljj/0f tyf hfgsf/Lx?sf]
cfwf/df o; ;+:yfsf] Aoa:yfksLo, k|fljlws / cfly{s kIfsf] ljZn]if0ffTds cWoogaf6 xfdL ;Gt'i6 x'g'sf] ;fy}
ljj/0fkqdf n]lvPsf cfly{s ljj/0fx? / cGo hfgsf/L tYout, k"0f{ / ;xL b]lvPsf]n] nufgLstf{x?nfO{ nufgL
;DaGwL lg0f{o lng d2t k'Ug] s'/fk|lt ljZj:t eO{ xfdLn] of] ljj/0fkq :jLs[tLsf nflu g]kfn lwtf]kq af]8{df
ælwtf]kq ;DaGwL P]g @)^#Æ tyf ælwtf]kq btf{ tyf lgisfzg lgodfjnL, @)&#Æ cg'?ksf] of]Uotf k'u]sf]
k|lta4tfkq (Due Diligence Certificate) k|:t't u/]sf 5f}+ .
u=@= ;+ul7t ;+:yfsf] pb\3f]if0f M

s= ;+rfnssf] lhDd]jf/L tyf hjfkmb]lxtf ;DaGwL M
of] ljj/0fkq xfdLn] k'g/fjnf]sg u/L cg'df]bg u/]sf] x'gfn] o; ljj/0fkqdf pNn]v ul/Psf ljj/0f tyf hfgsf/Lx?sf
;fy} lgisfzg tyf laqmL k|aGwsnfO{ lbPsf] ljQLo ljj/0f, cGo ljj/0f, hfgsf/L tyf sfuhftx?sf ;Totf / z'4tf
k|lt / lwtf]kq btf{ tyf lgisfzg cg'dlt k|of]hgsf nflu g]kfn lwtf]kq af]8{df k]z ul/Psf] ljj/0fkq / ;f] ;Fu
;DalGwt cGo ljj/0f tyf hfgsf/Lx?sf] z'4tf tyf ;Totfk|lt o; ljj/0fkqdf x:tfIf/ ug]{ xfdL ;+rfnsx? AolQmut
jf ;fd"lxs ?kdf hjfkmb]lxtf axg ub{5f}+ / lwtf]kq lgisfzgsf nflu tf]lsPsf zt{ tyf cfjZostfx?sf] ;DaGwdf
cfjZos hfgsf/L lnO{ xfdL pb\3f]if0f ub{5f}+ sL tf]lsPsf zt{ tyf cfjZostfx? ;a} kfngf u/]sf 5'÷5f}+ /
nufgLstf{x?nfO{ nufgL ;DaGwL ;";'lrt lg0f{o lng cfjZos s'g} ljj/0f, ;"rgf tyf hfgsf/Lx? n'sfPsf 5}gf}+ .
v= ;+ul7t ;+:yfsf] hjfkmb]lxtf ;DaGwL M

o; glan a}+s lnld6]8n] k|sflzt u/]sf] ljj/0fkq, ;fj{hlgs k|:tfj, lj1fkg jf cGo s'g} ;"rgfdf pNn]v ePsf
ljj/0fx? afx]s ;+ul7t ;+:yfsf] af/]df k|sflzt cGo s'g} ;"rgf jf hfgsf/Lsf] hjfkmb]xLtf ;+ul7t ;+:yfdf g/xg]
/ To:tf] ;"rgf, hfgsf/L jf ljj/0fsf] cfwf/df nufgL u/]df ;f] sf] hf]lvd nufgLstf{ :jo+n] axg ug'{kg]{5 .
u= lgodg lgsfosf] lgodg Aoa:yfsf] kfngf ;DaGwL M

k|rlnt sfg"g cg';f/ cfkm\gf] pBf]u÷Joj;fo÷;]jf;Fu ;DalGwt lgodg lgsfo -h:t}M sDkgL /lhi6«f/sf] sfof{no,
g]kfn /fi6« a}+s cfbL_ sf] ;fj{hlgs lgisfzg tyf cGo lgodg Joj:yf tyf lgb]{zgx?sf] kfngf u/]sf] s'/fsf]
pb\3f]if0f ub{5f}+ . ;fy} ;fj{hlgs lgisfzg k|of]hgsf] nflu tof/ ul/Psf] ljj/0fkq / ;f] df plNnlvt ;Demf}tf jf
cGo ljj/0fx? g]kfn lwtf]kq af]8{ / sDkgL /lhi6«f/sf] sfof{nodf k]z u/]sf 5f}+ . cf=j=)&$÷)&% ;Ddsf]
ljj/0fx? k]z u/]sf] x'gfn] sDkgL cWofjlws /x]sf] Joxf]/f ldlt @)&^÷)!÷#) df sDkgL /lhi6«f/n] :jLs[lt k|bfg
u/]sf] 5 .
3= ;+:yfks, ;+rfns tyf sfo{sf/L k|d'v ;DaGwL pb\3f]if0f M

!= o; sDkgLsf] ;+:yfks, ;+rfns jf k|d'v sfo{sf/L clws[t shf{ ;"rgf s]Gb|sf] sfnf] ;"rLdf /x]sf 5}gg\ .
@= o; sDkgLsf] ;+rfns jf k|d'v sfo{sf/L clws[t sfnf] ;"rLdf /x]sf] cGo ;+ul7t ;+:yfdf ;+rfns jf sfo{sf/L
k|d'v 5}gg\ .
#= ;fj{hlgs lgisfzg dfkm{t ;j{;fwf/0faf6 kF"hL ;+sng u/L j]kQf ePsf jf ;+rfngdf g/x]sf jf
nufgLstf{x?sf] lxt ljk/Lt x'g] sfo{ u/]sf] ;+ul7t ;+:yfsf] ;+rfns jf k|d'v sfo{sf/L clws[t o; sDkgLsf]
;+rfns jf k|d'v sfo{sf/L clws[t 5}gg\ .
$= lwtf]kq ;DaGwL sfg"g ljk/Lt sfo{ u/]sf] sf/0f lwtf]kq ahf/ jf lwtf]kq Joj;foLsf] cg'dlt vf/]h ePsf] bz
aif{ k"/f gePsf] ;+ul7t ;+:yfsf] ;+rfns jf k|d'v sfo{sf/L clws[t o; sDkgLsf] ;+rfns jf k|d'v sfo{sf/L
clws[t 5}gg\ .
%= o; sDkgLsf] ;+rfns jf k|d'v sfo{sf/L clws[t lwtf]kq ;DaGwL P]gsf] bkmf !)* adf]lhd ;+rfns jf k|d'v
sfo{sf/L cof]Uo /x]sf 5}gg\ .
2
u=#= ;+ul7t ;+:yf ;DaGwL hfgsf/L M
s= ;+ul7t ;+:yfsf] k[i7e"ld
s_ ;+ul7t ;+:yfsf] gfd M glan a}+s lnld6]8 (NABIL BANK LIMITED)
v_ s'g P]g cGtu{t :yflkt ePsf] ;f] s'/f Mo; a}+s sDkgL P]g, @)^# cGtu{t :yflkt .
u_ ;+:yfsf] /lhi68{ 7]ufgf M o; a}Ísf] /lhi68{ -s]Gb|Lo_ sfof{no jfudtL c~rn, sf7df08f} lhNnf,
sf7df08f} dxfgu/kflnsf, j8f g+= !, lagfdfu{, ltgwf/f,b/af/dfu{+df /x]sf] 5 . cfjZostfg';f/ :jLs[tL lnO{
cGo :yfgx?df klg /lhi68{ sfof{no ;fg{ jf zfvf sfof{no vf]Ng ;lsg]5 .
3_ sf/f]jf/ ug]{ d'Vo :yfg M
o; a}+ssf] cfkm\gf] /lhi68{ -s]Gb|Lo_ sfof{no jfudtL c~rn, sf7df08f} lhNnf, sf7df08f} dxfgu/kflnsf,
j8f g+= ! lagfdfu{, ltgwf/f cnfjf g]kfn /fHo leq x'g]5 . o; a}+sn] g]kfn /fi6« a}+ssf] :jLs[lt lnO{
cfjZostfg';f/ sf/f]af/ ug]{ sfof{no vf]Ng, lj:tf/ ug{, Ps :yfgdf vf]lnPsf] sfof{nonfO{ ufEg jf
sfof{no aGb ug{ ;d]t ;Sg]5 . o; a}+sn] g]kfn /fi6« a}+sn] :jLs[t u/] cg';f/ g]kfn leq b] xfosf
:yfgx?df cfkm\gf] sf/f]jf/ ;+rfng ub}{ cfPsf] 5 M
qm=;+= zfvf sfof{nox? qm=;+= zfvf sfof{nox?

1 Go'/f]8 zfvf, Go'/f]8, sf7df8f}+ 61 alb{af; zfvf, dxf]Q/L
2 hf]/kf6L zfvf, hf]/kf6L, sf7df8f}+ 62 nxfg zfvf, l;/fxf
3 jL/u~h zfvf, cfbz{gu/, jL/u~h, k;f{ 63 cflntfn zfvf, 88]nw'/f
4 kfj/xfp; zfvf, >Lk'/, jL/u~h, k;f{ 64 a/fxtfn zfvf, ;'v]{t
la/f6gu/ zfvf, uf]Zjf/f /f]8, la/f6gu/,
5 65 laTy8rL/ zfvf, aemfª
df]/ª
6 O{6x/L zfvf, d]g/f]8, O6x/L, ;'g;/L 66 ;dl/dfO{ zfvf, ¿kGb]xL
7 a'6jn zfvf, d]g/f]8, a'6jn, ¿kGb]xL 67 ltnf zfvf, h'Dnf
8 enjf8L zfvf, enjf8L, ¿kGb]xL 68 bfdf{ zfvf, ;Nofg
9 kf]v/f zfvf, lbk]Gb« ;efu[x, Go'/f]8 69 kfrfnem/gf zfvf, sflnsf]6
10 e}/xjf zfvf, d}qLky, e}/xjf, ¿kGb]xL 70 knftf zfvf, sflnsf]6
11 g]kfnu~h zfvf, wDaf]hL, g]kfnu~h, afFs] 71 kGr]Zj/ zfvf, a}t8L
12 dxf/fhu~h zfvf, dxf/fhu~h, sf7df8f}+ 72 /fdf/f]zg zfvf, c5\5fd
13 w/fg zfvf, dx]Gb«ky, w/fg, ;'g;/L 73 t'df{vfF8 zfvf, c5\5fd
14 ltgwf/f zfvf, ltgwf/f, sf7df8f}+ 74 ;fon zfvf, 8f]6L
15 lqk'/]Zj/ zfvf, UWTC ejg 75 sn+sL zfvf, sn+sL, sf7df8f}+
16 nlntk'/ zfvf, s'kG8f]n, nlntk'/ 76 s'df/Lkf6L zfvf, dfgejg, nlntk'/
17 ljtf{df]8 zfvf, lxsf]nf /f]8, cgf/dgL, emfkf 77 e}+;]kf6L zfvf, ;}+a', nlntk'/
18 bds zfvf, d]g xfOj]/f]8, bds, emfkf 78 +sf+8f3f/L zfvf, k]K;Lsf]nf, sf7df8f}+
19 x]6f}8f zfvf, a}+s /f]8, x]6f}+8f, dsjfgk'/ 79 ;'o{ljgfos zfvf, ;'o{ljgfos, eQmk'/
20 gf/fo0fu9 zfvf, zlxb rf]s, lrtjg 80 pnf{af/L zfvf, O{6x/L, df]/ª
21 t'N;Lk'/ zfvf, lztnk'/ /f]8, t'nl;k'/, bfª 81 ufO{3f6 zfvf, ufO{3f6, pbok'/
22 3f]/xL zfvf, u0f]z xn /f]8, 3f]/fxL, bfª 82 lj/f6rf]s zfvf, lj/f6rf]s, df]/ª
23 afUn'ª zfvf, dx]Gb«ky, afUn'ª 83 O{g?jf zfvf, O{g?jf, ;'G;/L
24 wgu9L zfvf, r6sk'/, wgu9L, s}nfnL 84 uh'/L zfvf, uh'/L, wflbª
25 dx]Gb|gu/ zfvf, dx]Gb«gu/, sGrgk'/ 85 u}+8fsf]6 zfvf, u}+8fsf]6, ;':t k"j{, gjnk/f;L
abf{3f6 zfvf, abf{3f6, lzjgu/ 6f]n,
26 gofF afg]Zj/ zfvf, gofF afg]Zj/, sf7df8f}+ 86
gjnk/f;L
27 xNrf]s zfvf, xNrf]s, sf7df8f}+ 87 bnbn] zfvf, b]jr'nL, ;':t k"j{, gjnk/f;L
28 7d]n zfvf, 7d]n, sf7df8f}+ 88 sfjf;f]tL zfvf, sfjf;f]tL, gjnk/f;L
29 sf}zn6f/ zfvf, sf}zn6f/, eQmk'/ 89 k;f{ zfvf, k;f{, lrtjg
3
30 rfalxn zfvf, rfalxn, sf7df8f}+ 90 kgf}tL zfvf, gdf]a'4 /f]8, sfe|]
31 d}ltb]jL zfvf, d}ltb]jL, sf7df8f}+ 91 ldr}{of zfvf, ldr}{of, l;/xf
32 afnfh' zfvf, afnfh', sf7df8f}+ 92 rGb«k'/ zfvf, rGb|k'/, /f}tx6
33 s'n]Zj/ zfvf, s'n]Zj/, sf7df8f}+ 93 rGb«f}6f zfvf, rGb«f}6f, slknj:t'
34 ;ftbf]af6f] zfvf, ;ftbf]af6f], nlntk'/ 94 dlgu|fd zfvf, dlgu|fd, ?kGb]xL
35 rl/sf]6 zfvf, led]Zj/, rl/sf]6, bf]nvf 95 l;/fxf zfvf, O{dfnL rf]s, l;/fxf
36 vfFbaf/L zfvf, vfFbaf/L, ;ª\v'jf;ef 96 xflQuf}8f zfvf, xflQuf}8f, sf7df8f}+
37 w'lnv]n zfvf, w'lnv]n, sfe]| 97 sdnljgfos zfvf, sdnljgfos, eQmk'/
38 uf]/vf zfvf, uf]/vf, 98 skg zfvf, a'9flgns07, sf7df8f}+
39 a]l;zx/ zfvf, a]l;zx/, ndh'ª 99 b'xaL zfvf, O{g?jf, ;'g;/L
40 rGb|u9L zfvf, rGb«u9L, emfkf 100 uf]nahf/ zfvf, uf]nahf/, l;/fxf
41 sflGtky zfvf, sflGtky, sf7df8f}+ 101 ag]kf zfvf, ag]kf, sfe|]knf~rf]s
42 wfkf;L zfvf, wfkf;L, sf7df8f}+ 102 lxn] zfvf, wGs'6f
43 cgfdgu/ zfvf, cgfdgu/, sf7df8f}+ 103 8'n]uf}8f zfvf, 8'n]uf}8f, tgx'+
44 l;gfd+un zfvf, l;gfd+un, sf7df8f}+ 104 sflnsfgu/ zfvf, sflnsfgu/, ?kGb]xL
45 Ujfsf]{ zfvf, Ujfsf]{, nlntk'/ 105 nDsL zfvf, nDsL, s}nfnL
46 cQ/v]n zfvf, cQ/v]n, sf7df8f}+ 106 kfFrvfn zfvf, kfFrvfn, sfe|]knf~rf]s
47 hgsk'/ zfvf, efg'rf]s, hgsk'/, wg'iff 107 sLlt{k'/ zfvf, sLlt{k'/, sf7df8f}+
48 n]s;fO8 zfvf, n]s;fO8, kf]v/f, sf:sL 108 dx]Gb« rf]s zfvf, dx]Gb« rf]s, df]/ª
49 l;d/f zfvf, l;d/f, u9LdfO{, af/f 109 uN5L zfvf, uN5L, wflbª
50 ;'gjn zfvf, ;'gjn, gjnk/f;L 110 jflnª zfvf, jflnª, :ofª\hf
51 sf]xnk'/ zfvf, sf]xnk'/, afFs] 111 t/x/f zfvf, t/x/f, ;'G;/L
52 bdf}nL zfvf, Aof;, bdf}nL, tgx'F 112 cQ/Lof zfvf, cQ/Lof, s}nfnL
53 ;'v]{t zfvf, ;'v]{t 113 afF;u9L zfvf, afF;u9L, alb{of
54 l6sfk'/ zfvf, l6sfk'/, s}nfnL 114 la/f}6f zfvf, la/f}6f, sf:sL
55 tfnrf]s zfvf, tfnrf]s, kf]v/f, sf:sL 115 sGrgaf/L zfvf, sGrgaf/L, df]/ª
56 au/ zfvf, au/, kf]v/f, sf:sL 116 xflsd rf]s zfvf, xflsd rf]s, lrtjg
57 cd/l;+x zfvf, cd/l;x+ rf]s, kf]v/f, sf:sL 117 /ftf]k'n zfvf, wgu9L, s}nfnL
58 xl/jg zfvf, ;nf{xL
59 6f+8L zfvf, lrtjg
60 ndxL zfvf, bfª
o; a}+sn] g]kfn /fi6« a}+ssf] lgb]{lzsf jdf]lhd cfjZostf cg';f/ eljiodf zfvf lj:tf/ u/L g]kfn /fHo
e/L g} sf/f]jf/ ug{ ;Sg]5 .
ª_ ;+ul7t ;+:yfsf] ;+lIfKt kl/ro / p2]Zo M
glan a}+s lnld6]8 k|rlnt sDkgL sfg"g adf]lhd ldlt @)$!÷)!÷@( df g]kfn ;/sf/ sDkgL
/lhi6«f/sf] sfof{nodf klAns lnld6]8 sDkgLsf] ?kdf btf{ ePsf] xf] . ldlt @)$!÷)#÷!@ df g]kfn /fi6«
a}+saf6 ljQLo sf/f]jf/ ug{ :jLs[lt k|fKt u/L a}+sn] @)$!÷)#÷@( ut] b]lv cfˆgf] ljQLo sf/f]jf/ ub}{
cfPsf] 5 . a}+s tyf ljQLo ;+:yf;DaGwL P]g, @)^# -tTsfnLg a}+s tyf ljQLo ;+:yf ;DaGwL cWofb]z,
@)^!_ adf]lhd g]kfn /fi6« a}+saf6 æsÆ ju{sf] ljQLo ;+:yfsf] ?kdf a}+snfO{ ldlt @)^#÷)@÷!@ df k'gM
Ohfht k|fKt eO{ æsÆ ju{sf] Ohfhtk|fKt ;+:yfsf] ?kdf a}+sn] cfkm\gf] sf/f]af/ ;~rfng ul//x]sf] 5 . o;
a}+sdf ^)Ü z]o/ :jfldTj ;+:yfks z]o/wgLx?sf] / $)Ü z]o/ :jfldTj ;j{;fwf/0f z]o/wgLx?sf] /x]sf]
5 . a}+ls+u If]qdf o; a}+sn] Ps cu|0fL a}+ssf] e"ldsf lgjf{x ul//x]sf] 5 .
4
p2]Zox? M
!_ g]kfn /fi6« a}Í P]g, @)%*, k|rlnt a}Í tyf ljQLo ;+:yf ;DaGwL P]g, sDkgL sfg"g tyf cGo k|rlnt
sfg"gsf] cwLgdf /xL ljQLo sf/f]jf/ -a}+lsÍ Joj;fo_ ug]{ o; a}+ssf] d'Vo p2]Zo b]xfo jdf]lhd x'g]5M–
-s_ a}Ísf lgIf]kstf{ tyf z]o/wgLsf] xs lxtsf] ;+/If0f / ;Dj4{g ub}{ ;j{;fwf/0fnfO{ u'0f:t/Lo tyf
e/kbf]{ a}+lsË tyf ljQLo ;]jf pknJw u/fpg],
-v_ s[lif, pBf]u, ;]jf, Jofkf/ tyf cGo Aoj;flos ?kn] ;DefAo b]lvPsf pTkfbgzLn Aoj;fosf]
:yfkgf, ljsf;, la:tf/ / Ifdtf Pjd\ pTkfbsTj a[l4sf nflu cfjZos ljQLo ;fwg cfGtl/s
tyf afXo >f]taf6 h'6fO{ b]zsf] cf}Bf]lus, Aofkfl/s Pj+ s[lif If]qsf] ljsf;df ultlzntf Nofpg
;xof]u k'/\ofpg],
-u_ pknAw >d, zLk tyf k'FhLnfO{ plrt kl/rfng u/L u|fld0f tyf zx/L If]qdf pTkfbg Pjd\
/f]huf/Ld"ns Aoj;fosf] :yfkgf, ;~rfng, ljsf;, lj:tf/ Pjd\ k|aw{g ug]{ sfo{sf] nflu cfjZos
ljQLo >f]t, ;fwg, k|fljlws tyf Aoj:yfksLo k/fdz{ ;]jf, tflnd tyf k|ljlw pknAw u/fO{
ul/aL lgjf/0fsf nflu ;lqmo ?kdf ;+nUg eO{ ;xof]u k'/\ofpg], /
-3_ d'n'sdf 5l/P/ /x]sf] k'FhLnfO{ PsLs[t u/L ;+:yfut nufgL ug]{ tyf :j:y k|lt:kwf{sf] dfWodaf6
ljQLo dWo:ytfsf] ;]jf pknJw u/fpg] .
r_ ;+ul7t ;+:yfsf] s'g} ;xfos sDkgL ePdf ;f] ;xfos sDkgLsf] gfd, Oltxf; / To;sf d'Vo p2]Zox?sf
;fy} To;df ePsf] nufgLsf] c+z -k|ltztdf_ M
;xfos sDkgLM
glan OGe]i6d]G6 a}+ls+u lnld6]8 /lhi68{ sfof{no M gf/fo0frf}/, gS;fn, sf7df8f}F -;+ul7t ;+:yfsf] %@%
z]o/ :jfldTj /x]sf]_
;xfos sDkgLsf] Oltxf; / To;sf d'Vo p2]Zox?M

glan OGe]i6d]G6 a}+ls+u lnld6]8 sDkgL P]g, @)^# cGtu{t ldlt @)^^÷!)÷@$ df g]kfn ;/sf/, pBf]u
dGqfno, sDkgL /lhi6«f/sf] sfof{nodf btf{ ePsf] xf] . sDkgLn] lwtf]kq ;DaGwL P]g @)^# cGtu{t lwtf]kq
Joj;foLM dr]{G6 a}+s/sf] ?kdf sfo{ ug{ g]kfn lwtf]kq af]8{af6 ldlt @)^&÷!÷!# df cg'dltkq k|fKt u/L
;]fxL ldltaf6 dr]{G6 a}+ls+u ;]jf k|bfg ub}{ cfPsf] 5 . sDkgLn] cfkm\gf] :yfkgf jif{df lwtf]kq lgisfzg tyf
laqmL k|aGwssf] ?kdf ljleGg ;+3 ;+:yfx?sf] lwtf]kqsf] ;fj{hlgs lgisfzg sfo{ u/]sf]df xfn sDkgLn]
;f]sf] cnfjf cfkm"n] k|bfg ug]{ ;]jfnfO{ ljljwLs/0f ub}{ z]o/ k|Tofe"tL ;]jf, z]o/ /lhi6«f/ ;]jf, nufgL
Joj:yfkg ;]jf tyf ljQLo k/fdz{ ;]jf;d]t k|bfg ub}{ cfO/x]sf] 5 . ;fy} o; sDkgLn] ldlt @)^(÷%÷@&
df g]kfn lwtf]kq af]8{af6 of]hgf Joj:yfks tyf l8kf]lh6/Lsf] sfo{ ug]{ cg'dlt k|fKt u/L glan Do'r'cn
km08 cGtu{tsf] klxnf] of]hgf glan Aofn]G;8\ km08 ! sf] of]hgf Aoj:yfks÷l8kf]lh6/Lsf] ¿kdf ;d]t
sfo{ u/]sf] / ;f] of]hgf ;kmntfk"j{s ;dfkg u/]sf] / bf];|f] of]hgf glan OSjL6L km08 sf] ljut @ aif{b]lv
of]hgf Aoj:yfks÷l8kf]lh6/Lsf] ¿kdf ;d]t sfo{ ul//x]sf] 5 .
k|aGwkqdf pNn]v ePadf]lhd ;xfos sDkgLsf] k|d'v p2]Zox? b]xfo adf]lhd /x]sf 5g\ M
!= sDkgLsf z]o/wgLsf] xs lxtsf] ;+/If0f / ;Dj4{g ug{] .
@= nufgLstf{x?nfO{ lwtf]kq Joj;foLsf] ¿kdf u'0f:t/Lo tyf e/kbf{] ;]jf pknAw u/fpg] .
#= nufgLstf{x?sf] k"F'hL ahf/tkm{sf] ljZj;lgotf clej[l4 ug{ cfjZos sfo{ ;~rfng ug{] .
$= gofF tyf xfn sfod k"FhL ahf/;Fu ;DalGwt ;]jfsf] ljsf;÷lj:tf/ ug{ g]kfn lwtf]kq af]8{;Fu cfjZos
;dGjo ug{] tyf cfjZostfg';f/ :jLs[lt kf|Kt u/L pRr:t/Lo ;]jf k|bfg ug{] .
%= pknAw zLk, >d tyf k"FhLnfO{ plrt kl/rfng u/L u|fdL0f tyf zx/L If]qdf k" FhL ahf/;Fu ;Da4
;'ljwfx? pknAw u/fpg cfjZos ljQLo ;fwg, k|fljlws tyf Joj:yfksLo k/fdz{ ;]jf, tflnd tyf
k|ljlw pknAw u/fO{ b]zdf kF"hL ahf/sf] ;du| ljsf;sf nflu ;lqmo ?kdf ;+nUg eO{ ;xof]u k'¥ofpg] .
5_ b]xfosf s'/fx? ;d]t pNn]v ug'{ kg]{ -nfu' x'g] xb;Dd_ M
5
!_ sDkgLn] pTkfbg ug]{ j:t' jf k|bfg ug]{ ;]jfx? M
a}+sn] k|bfg ug]{ d'Vo ;]jfx?df lgIf]k ;+sng, shf{ k|jfx, /sdfGt/, /]ld6\ofG; tyf cGo a}+lsË ;]jfx?
/x]sf 5g\ . ;fy} a}+sn] nufgLsf] dfWodaf6 cfˆgf] kF"hLsf] ;xL pkof]u ub}{ cfPsf] 5 .
@_ k|of]u ePsf] jf ul/g] ljlw M
a}+s ;]jf k|bfos sDkgL ePsf]n] dfly v08 ! df plNnlvt ;]jf k|bfg ug{ cfjZos k|ljlw ;DkGg .
#_ s'g} a|fG8 g]d, k|ltlnlk clwsf/, 6«]8dfs{, Ohfhtkq, k|fljlws ;xof]u ;Demf}tf / ;+ul7t ;+:yf;Fu ;DalGwt
af}l4s ;DklQ xs clwsf/ M ;f] gePsf] .
$_ ;+ul7t ;+:yfn] cf]u6]sf] ahf/ If]q M

Dffly aF"bf g+= #-3_ df pNn]v eP cg';f/sf zfvf sfof{no /x]sf] :yfgaf6 a}+sn] cfˆgf] ;]jf k|bfg tyf
ljQLo sf/f]af/ ul//x]sf] 5 .
%_ gofF pTkfbg tyf ;]jf ;DaGwL of]hgfM
;do ;fk]If gofF pTkfbg tyf ljQLo ;]jfsf] ljsf; u/L ;DefJo u|fxsx?sf] klxrfg u/]/ cfˆgf] Jofkf/
lj:tf/ ug]{ of]hgf /x]sf] 5 .
^_ pTkfbg tyf ;]jfsf] k|d'v ahf/ / To;sf] dfu / laqmL ljt/0fsf] tl/sf M
a}+ssf] k|d'v ahf/ g]kfne/ /x]sf] 5 / x/]s ju{sf u|fxssf] cfjZostf cg'?k ;]jfx? pknAw u/fp+b}
n}hfg] a}+ssf] nIo /x]sf] 5 .
&_ pTkfbg÷;+rfng Ifdtf / ;f] sf] pkef]u l:ylt M
ljQLo If]qdf nfdf] cg'ej xfl;n ug{' ePsf ;+rfns÷Joj:yfkg bIftfsf] cfwf/df o; a}+sn]
:yfkgfsfnb]lv g} ahf/sf] /fd|f] lx:;f cf]u6\g / u|fxsnfO{ /fd|f] ;'ljwf k|bfg ug{ ;kmn /x]sf] b]lvG5 .
*_ sRrf kbfy{sf] >f]t, lsl;d / pknAwtf M nfu" gx'g] .
(_ u'0f lgoGq0fsf nflu ul/Psf] Joj:yf M a}sn] u'0f lgoGq0fsf nflu 5'§} ljefu agfPsf] 5 .
!)_ cg';Gwfg tyf ljsf; M

g]kfnsf] a}+lsË tyf ljQLo If]qdf k|lt:kwf{Tds l:ylt /x]sf] cfhsf] k[i7e"lddf a}+sn] cg';Gwfg tyf
ljsf;nfO{ pRr k|fyldstfsf ;fy cl3 a9fO{/x]sf] 5 .
!!_ ljut !@ dlxgfsf] cjlwdf ;+:yfsf] ;+rfngdf c;/ kg]{ u/L ePsf] jfwf, Jojwfg M ;f] gePsf] .
!@_ dhb'/ ;+u7g;Fusf] ;DaGw / ljutdf s'g} cf}Bf]lus ljjfb ePsf] eP, ;f] ;DaGwL ljj/0f M
sDkgLdf ;'dw'/ cf}Bf]lus ;DaGw /x]sf] ;fy} ljutdf dhb'/ ;+u7g;+u s'g} k|sf/sf] pNn]Vo cf}Bf]lus
ljjfb g/x]sf] .
-!#_ ahf/, k|lt:kwf{ / cGo ;dfg pBf]ux? aLr ;+ul7t ;+:yfsf] l:ylt M
a}+sn] cToflws k|lt:klw{ /x]sf] xfnsf] ljQLo ahf/df ;kmntfk"j{s cfkm\gf] klxrfg :yflkt u/L ljQLo
Joj;fo ;+rfng ul//x]sf] 5 . ;dfg sDkgLx? aLr cfkm\gf] 5'§} klxrfg agfpgsf] nflu a}+sn] cfkm\gf zfvf
;+hfnx? pNn]vgLo ?kdf j[4L ub}{ u|fxsx?sf] ;]jf ;'ljwfx?df Jofks lj:tf/ ub}{ uO{ /x]sf] 5 . a}+ssf]
xfn;Ddsf] k|ult tyf a}+lsË If]qdf a}+ssf] cj:yf a}+ssf] ljQLo ljj/0faf6 k|i6 b]Vg ;lsG5 . a+}ssf] @)&^
cfiff9 d;fGt ;Dd lgIf]k, shf{ tyf ;fk6sf] dfs]{6 z]o/ b]xfo adf]lhd /x]sf] 5 .
qm=; ljj/0f dfs]{6 z]o/

! lgIf]k %=&!Ü
@ shf{ tyf ;fk6 %=#! Ü
[Source M NRB Banking and Financial Statistics mid July 2019]
!$_ k|d'v u|fxsx?sf] ljj/0f -h:t}–;+:yfsf] s"n jflif{s sf/f]af/df !)Ü jf ;f] eGbf a9Ln] of]ubfg ug{]
jf Joj;fosf] nflu ;+ul7t ;+:yf s'g} k|d'v u|fxs;Fu lge{/ 5 eg] t\t;DaGwL ljj/0f M ;f] gePsf] .
6
!%_ k|d'v ;Knfo;{x?sf] ljj/0f -h:t}–;+:yfsf] s"n sf/f]af/df !)Ü jf ;f] eGbf a9Ln] of]ubfg ug{] ;Knfo;{ jf
Joj;fosf] nflu ;+ul7t ;+:yf s'g} k|d'v ;Knfo;{;Fu lge{/ 5 eg] tT;DaGwL ljj/0f M ;f] gePsf] .
u=# -v_ ;DklQsf] ljj/0f M

s_ ;+ul7t ;+:yfsf] pks/0f -KnfG6_ tyf cGo ;DklQ /x]sf] :yfg / pks/0f tyf ;DklQsf] cj:yf M
sDkgLsf] cfiff9 #!, @)&^ sf] ;DklQ tyf ;DklQ /x]sf] :yfg tyf cj:yf o;k|sf/ /x]sf] 5 M
cf=a=@)&%÷&^
v'b ;DklQsf] ljj/0f
-?= xhf/df_
gub tyf gub ;dfg 12,479,698
g]kfn /fi6« a}+sdf /x]sf] df}Hbft tyf lng'kg]{ /sd 6,191,828
a}+s tyf ljQLo ;+:yfdf u/]sf] nufgL -Kn];d]G6_ 11,078,729
8]l/e]l6e -Jo"TkGg_ ljQLo pks/0f 8,539,058
cGo Jofkfl/s ;DklQx? -
a}+s tyf ljQLo ;+:yfnfO{ lbPsf] shf{ tyf ;fk6L 6,058,493
u|fxsnfO{ lbPsf] shf{ tyf ;fk6L 127,500,243
nufgL 25,303,073
o; cf=j= sf] cfos/ ;DklQ 137,519
;xfos sDkgLdf nufgL 78,000
;Da4 sDkgLdf nufgL 80,000
nufgL ;DklQ -OGe]i6d]G6 k|f]kl6{_ 8,219
;DklQ tyf pks/0f -l:y/ ;DklQ_ 1,051,792
u'8jLn -Voflt_ / cd'{t ;DklQ 41,401
:yug s/ ;DklQ -
cGo ;DklQ 2,590,771
hDdf ;DklQ 201,138,821
v_ a'F+bf -s_ df pNn]lvt ;DklQ ;+ul7t ;+:yfsf] cfkm\g} ;DklQ xf] of lnhdf lnPsf], lnhdf lnPsf] eP lnhsf]
cjlw -ldlt ;d]t pNn]v ug'{kg]{_ M Dffly plNnlvt ;DklQx? cfkm\g} :jfldTjdf /x]sf] / lnhdf s'g} ;DklQ
glnPsf] .
u_ olb ;DklQ ;+ul7t ;+:yfsf] :jfldTjdf /x]sf] ePdf pQm ;DklQdfly s'g} lnog jf df]6{u]h eP ;f] ;DaGwL
ljj/0f M nfu" gx'g] .
3_ ljj/0fkq af]8{df k]z ul/Psf] ldltdf ;+ul7t ;+:yfsf] ;DklQsf] lstfjL d"No / ahf/ d"No aLr km/s ePdf ;f]
sf] ljj/0f M o; a}+ssf] ;DklQsf] k'gd"{Nof+sg gul/Psf] xF'+bf lstfjL d"No / ahf/ d"No aLr km/s gePsf] .
ª_ ;DklQsf] d"NofFsg ul/Psf] tl/sf ;DaGwL ljj/0f M nfu" gx'g] .
u=#= -u_ efjL of]hgf tyf /0fgLlt M

-s_ Joj;fo÷;]jfsf] a[l4sf nflu ;+:yfsf] efjL of]hgf / To:tf] of]hgfsf] k|flKtsf nflu rflng] ;doj4 /0fgLlt
!_ gofF pTkfbg tyf ;]jfx? M k|ljlwdf cfwfl/t gjLgtd pTkfbg tyf ;]jfx? Nofpg a}+s k|oTgzLn 5 . a}lsË
;]jfsf] kx'Fr gk'u]sf] jf gePsf] hgtf dfem ;/n, ;'ne / e/kbf]{ a+}lsË ;]jf k'ofpg] a}+ssf] hf]8 /xg] 5 .
7
@_ zfvf ;+hfnM a}+ssf] kx'+r gePsf 7fpFx?df cfkmgf] pkl:ylt hgfp+b} hfg] p2]Zon] cfjZostf cg';f/ ;+hfn
a9fpFb} n}hfg] a}+ssf] sfo{qmd 5 .
#_ 8]lj6÷q]ml86 sf8{ M ahf/df cfˆgf] alnof] pkl:yltnfO{ sfod /fVg cfˆgf] sf8{ Joj;fonfO{ Jofks ?kdf lj:tf/
ub}{ hfg] k|of;df a}+s nfu]sf] 5 . cfkmgf] /fli6«o e'QmfgL ;+hfndf ;b:o ;+Vof a9fpb} n}hfg a}+s k|oTgzLn 5 .
o;af6 a}+ssf] u|fxs ;+Vof / cfDbfgL j[l4df ;xof]u k'Ug]5 .
$_ Pl6Pd ;+hfn M cfˆgf u|fxsju{x?nfO{ a9L ;'ljwf k|bfg ug]{ a}+ssf] /0flglt cg'?k pkTosfleq tyf aflx/ Pl6Pd
h8fg ub}{ hfg] of]hgf a}+ssf] /x]sf] 5 .
%_ ljk|]if0f M ljk|]if0f Joj;fodf cfkmgf] ahf/ c+z a9fp+b} n}hfg a}+sn] cfjZoStf cg';f/ b]ze/ ljk|]if0f ljt/s
Ph]06 k'¥ofpg] of]hgf u/]sf] 5 . o:tf] ljk|]if0f ;+hfnnfO{ b'u{d If]qx?;Dd lj:tf/ ug]{ of]hgf ul//x]sf] 5 .
^_ cGo Joj;fo M a+}lsË pBf]udf a9b} uPsf] k|lt:kwf{n] ubf{ cfˆgf] ljQLo l:yltnfO{ pko'St l:yltdf /fVg
a}+sx?nfO{ nufgLsf c? If]q vf]Hg'kg]{ x'g uPsf] 5 .
v_ k|lt:kwf{, ljBdfg cfly{s l:ylt / ;dfg lsl;dsf] pBf]usf] l:yltsf] cfwf/df ;+ul7t ;+ :yfsf] Joj;fosf] eljio
M
a}+s tyf ljQLo ;+:yfsf] pNn]Vo j[l4n] cy{tGqdf ;sf/fTds k|efj kf/sf] 5 . ;sf/fTds k|efj kf/]tf klg /fli6«o Pj+
cGt/f{li6«o 36gfqmdx?df cfpg] ptf/ r9fjn] o; If]qnfO{ k|efljt u/]sf] b]lvG5 . kmn:j?k casf lbgx? cfly{s
pGgtL, ljsf; lgdf{0f / gofF g]kfn lgdf{0fsf] nIodf cuf8L a9\g] k|lta4tf ;DalGwt kIfx?n] hfx]/ ul/;s]sf]
l:yltdf, g]kfnsf] cfly{s j[l4b/ ;lxt cGo ;Dj[l4sf ;"rsf+sx? ;sf/fTds /xg] s'/fdf cfzfjfbL x'g ;lsG5 .
pk/f]Qm jftfj/0fn] b]ze/L g} pBf]u, Jofkf/, Joj;fo, s[lif Pj+ ;du| cy{tGq rnfodfg x'g] / o;n] a9L eGbf a9L
;d'bfonfO{ a}+lsË If]qleq ;d]6\g] cj;/ k|bfg ug]{ b]lvG5 . o;af6 a}+sx?sf] cfly{s lqmofsnfkdf k|z:t ;Defjgfx?
phfu/ x'g] cg'dfg klg ug{ ;lsG5 . o; a}+sn] cfˆgf] Jofkf/ / Joj;fo clej[l4 u/L cfˆgf u|fxsju{x?df /fli6«o
tyf cGt/f{li6«o dfkb08 cg'?ksf a}+lsË ;]jf tyf ;'ljwfx? pknAw u/fpg ;Sg] Ifdtf /fVb5 . o; sDkgLn] cfˆgf]
pNn]Vo If]q cf]u6\g zfvf tyf P6LPd lj:tf/ ug]{, JolQmut / ;fgf tyf demf}nf shf{df j[l4 / rNtL tyf art
lgIf]kdf j[l4 ub}{ nu]sf] 5 . ;fy}, u|fxssf] ;Gt'li6 tyf cg'ejsf] cfwf/df pRr d"NofÍg ub}{ ;do ;fk]If ?kdf
a+}ssf] sfo{ gLlt kl/jt{g tyf kl/dfh{g ub}{ u|fxssf] klxnf] /f]hfO{sf] a+}s aGg] tyf ;f]sf nfuL cfjZos a+}ssf]
cfGtl/s sfo{ k|0ffnLnfO{ yk ;/n tyf r':t agfpg] gLlt cjnDag u/]sf] 5 . a+}sn] lg/Gt/ ?kdf sd{rf/Lsf] sfo{
Ifdtf clej[l4sf nflu cfˆgf sd{rf/Lx?nfO{ ljleGg tflnd k|bfg ub}{ cfPsf] 5 . a+}sn] cjnDag u/]sf] bL3{sfnLg
/0fgLltsf sf/0f a+}snfO{ /0fgLlts kmfObf k|fKt ePsf] 5 / bL3{sfnLg ?kdf a+}ssf] ljQLo cj:yf tyf d'gfkmf l:y/
/fVgdf 7"nf] 6]jf k'Ug] ljZjf; 5 . a+}s cfˆgf] cfGtl/s sfo{ k|0ffnL tyf lgoGq0f k|0ffnLnfO{ yk r':t kfb}{ cfˆgf]
nufgLdf /x]sf] hf]lvdx? sd ug{ ;Ifd /x]sf] 5 / eljiodf ljQLo If]qdf Ps leGg :yfg cf]u6\g] s'/fdf b[9 /x]sf] 5
. a}+sn] k|If]lkt ljQLo ljj/0f tof/ ubf{ tnsf a'bfFsf cfwf/df u/]sf] 5 M
-s_ a}+ssf] efjL of]hgfx?, ljutsf aif{x?sf] sf/f]jf/sf] a[l4, a}+sn] u/]sf] cfDbfgL Pad\ a}+ssf] zfvf ;+hfn lj:tf/
ug{] /0fgLlt, rfn' aif{sf] k|ult tyf g]kfn ;/sf/4f/f k|If]lkt ljQLo cfFs8fnfO{ cfwf/ dfg]sf] 5 .
-v_ a}+sn] shf{ lgI]fk cg'kft, Aofh b/ cGt/, a}wfgLs t/ntf cg'kft, clgjfo{ gub df}Hbft, k"FhLsf]if cg'kft tyf
lglis|o shf{ k|ltzt g]kfn /fi6« a}+sn] tf]s]sf] dfkb08 cg'?k sfod u/L ljQLo ljj/0fsf] k|If]k0f u/]sf] xf] .
-u_ eljiodf x'g ;Sg ;Defljt cg'dfgLt kl/b[iosf] cfwf/df ljQLo ljj/0fsf] k|If]k0f tof/ u/]sf] xf] .
o; a}ssf] @)&^ cfiff9 d;fGt ;Dd lgIf]k, shf{ tyf ;fk6sf] l:ylt b]xfo adf]lhd /x]sf] 5 .
qm=; ljj/0f dfs]{6 z]o/

! lgIf]k %=&!Ü
@ shf{ tyf ;fk6 %=#! Ü
(Source M NRB Reporting & Analytics System- Chaitra 30, 2075- reporting.nrb.org.np)
* a}+ssf] xfn;Ddsf] k|ult ljj/0f tyf at{dfg ahf/df a}+ssf] cj:yfsf] ;DaGwdf a}+ssf] ljQLo ljj/0faf6 :ki6
?kdf b]lvPsf] 5 .
8
u=# -3_ ;~rfns ;ldltsf] ;+/rgf / k|ltlglwTj ;DaGwL Joj:yf M
;~rfns ;ldltsf] ;+/rgf, ;~rfnsx?sf] of]Uotf / k|ltlglwTj tyf ;~rfns x'gsf] nflu lng'kg]{ Go"gtd z]o/
;+Vof;DaGwL Joj:yf M a}+ssf] lgodfjnLdf ePsf] Joj:yf cg';f/ & -;ft_ hgf ;+rfns ;b:o /x]sf] ;+rfns
;ldlt b]xfo adf]lhd u7g ul/Psf] 5 M
æ;+:yfksÆ ;d"xsf z]o/wgLx?sf] tkm{af6 $ hgf
æ;j{;fwf/0fÆ ;d"xsf z]o/wgLx?sf] tkm{af6 @ hgf
:jtGq ;~rfns ! hgf
hDdf & hgf
;+rfnsx?sf] sfo{sfn $ jif{sf] /x]sf] 5 . o; a}+ssf] lgodfjnLsf] lgod !# df Joj:yf eP cg';f/ a}+ssf]
;~rfns x'gsf nflu o; a}+ssf] slDtdf #! -PstL;_ lsQf ;fwf/0f z]o/ lnPsf] x'g' kg]{5 .
u_= $ k"FhL ;+/rgf ;DaGwL hfgsf/L M

s_ clws[t, hf/L tyf r'Qmf k"FhL / ;++:yfsf] :yfkgf kZrft ;f] df kl/jt{g ePsf] eP tT;DaGwL ljj/0f M
 clws[t k"FhL M sDkgLsf] clws[t k"FhL ?= !),)),)),)),)))÷– -cIf/]kL bz ca{ dfq_ /x]sf] 5 . pQm k"FhLnfO{ ?=
!)) .— sf b/n] !),)),)),))) -bz s/f]8_ yfg z]o/df ljefhg ul/Psf] 5 .
 hf/L k"FhL M sDkgLsf] hf/L k"FhL ¿= (,)!,!*,$%,$)).– -cIf/]kL ?k}of gf} ca{ Ps s/f]8 c7f/ nfv k}+tfnL;
xhf/ rf/ ;o dfq_ /x]sf] 5 . pQm k"FhLnfO{ ?= !)).— sf b/n] (,)!,!*,$%$ yfg z]o/df ljefhg ul/Psf] 5 .
 r'Qmf k"FhL M sDkgLsf] r'Qmf k"FhL ¿= (,)!,!*,$%,$)).– -cIf/]kL ?k}of gf} ca{ Ps s/f]8 c7f/ nfv k}+tfnL;
xhf/ rf/ ;o dfq_ /x]sf] 5 . pQm k"FhLnfO{ ?= !)).— sf b/n] (,)!,!*,$%$ yfg z]o/df ljefhg ul/Psf] 5 .
 clws[t, hf/L tyf r'Qmf k"FhLdf eO{ cfPsf]÷kl/jt{g ePsf] eP tT;DaGwL ljj/0f M ;++:yfsf] :yfkgf kZrft\
kl/jt{g ;DaGwL ljj/0f M
cfly{s jif{ clws[t k"FhL -?=_ hf/L k"FhL -?=_ r'Qmf k"FhL -?=_ s}lkmot
2041/42 10,00,00,000 3,00,00,000 3,00,00,000 -
2048/49 10,00,00,000 5,00,00,000 5,00,00,000 Aff]g; z]o/ nfef+z
2049/50 10,00,00,000 6,54,25,000 6,54,52,000 Aff]g; z]o/ nfef+z
2051/52 25,00,00,000 13,08,51,200 13,08,51,200 Aff]g; z]o/ nfef+z
2053/54 30,00,00,000 26,17,40,900 26,17,40,900 Aff]g; z]o/ nfef+z
2054/55 50,00,00,000 39,28,87,200 39,28,87,200 Aff]g; z]o/ nfef+z
2058/59 50,00,00,000 49,16,54,400 49,16,54,400 Aff]g; z]o/ nfef+z
2064/65 1,60,00,00,000 68,92,16,000 68,92,16,000 Aff]g; z]o/ nfef+z
2065/66 1,60,00,00,000 96,57,47,000 96,57,47,000 Aff]g; z]o/ nfef+z
2066/67 1,60,00,00,000 1,44,91,24,000 1,44,91,24,000 Aff]g; z]o/ nfef+z
2067/68 2,10,00,00,000 2,02,97,69,400 2,02,97,69,400 Aff]g; z]o/ nfef+z
2069/70 2,50,00,00,000 2,43,68,41,000 2,43,68,41,400 Aff]g; z]o/ nfef+z
2070/71 3,10,00,00,000 3,04,71,68,400 3,04,71,68,400 Aff]g; z]o/ nfef+z
2071/72 3,70,00,00,000 3,65,76,54,000 3,65,76,54,000 Aff]g; z]o/ nfef+z
2072/73 5,00,00,00,000 4,75,65,69,600 4,75,65,69,600 Aff]g; z]o/ nfef+z
2073/74 6,50,00,00,000 6,18,55,07,000 6,18,55,07,000 Aff]g; z]o/ nfef+z
2074/75 10,00,00,00,000 8,04,32,21,000 8,04,32,21,000 Aff]g; z]o/ nfef+z
2075/76 10,00,00,00,000 9,01,18,45,400 9,01,18,45,400 Aff]g; z]o/ nfef+z
9
v_ lgisfzg kl5sf] r'Qmf k"FhL -;d"xs[t ul/Psf] cj:yfdf ;f]xL cg'?k_ M
s= C0fkq lgisfzg ug'{k"j{ a}+ssf]] r'Qmf k"FhLsf] ;+/rgf
;d"x z]o/wgLx? ;fwf/0f z]o/ ;+Vof kF"hL ;+/rgf -Ü_ r'Qmf /sd -?=_ e'QmfgL k|ltzt
-s_ ;+:yfks %,$),&^,)$! ^) k|ltzt %,$),&^,)$,!)) !))
-v_ ;j{;fwf/0f -sd{rf/Lx? ;d]t_ #,^),$@,$!# $) k|ltzt #,^),$@,$!,#)) !))
hDdf (,)!,!*,$%$ !)) k|ltzt (,)!,!*,$%,$)) !))
v= C0fkq lgisfzg u/L afF8kmfF8 u/] kZrft\ x'g] a}+ssf]] r'Qmf k"FhLsf] ;+/rgf
;d"x z]o/wgLx? ;fwf/0f z]o/ ;+Vof kF"hL ;+/rgf -Ü_ r'Qmf /sd -?=_ e'QmfgL k|ltzt
-s_ ;+:yfks %,$),&^,)$! ^) k|ltzt %,$),&^,)$,!)) !))
-v_ ;j{;fwf/0f -sd{rf/Lx? ;d]t_ #,^),$@,$!# $) k|ltzt #,^),$@,$!,#)) !))
hDdf (,)!,!*,$%$ !)) k|ltzt (,)!,!*,$%,$)) !))
C0fkq k"FhL
ljj/0f r'Qmf /sd -?_ e'QmfgL k|ltzt
10% Nabil Debenture 2082* @,)),)),)),)))/- Zft k|ltzt
* o; ljj/0fkq dfkm{t lgisfzg ug{ nfluPsf] C0fkq .
u_ z]o/ lk|ldod vftf -lgisfzg k"j{ / lgisfzg kZrft_ M lgisfzg kZrft pQm vftfdf s'g} kl/jt{g gx'g] .
-u_= % ;+:yfks÷;+rfns ;DaGwL hfgsf/L M

s=;+:yfks÷;~rfnssf] k[i7e"ld M
s_ cfwf/e"t z]o/wgLx? tyf ;~rfnsx?sf] gfd, kb pd]/, /fli6«otf, 7]ufgf, z]o/ :jfldTj, z}lIfs of]Uotf, cg'ej /
k|:tfljt Jofkf/÷Joj;fodf cg'ej M
cfwf/e"t z]o/wgLx? M
cg'ej 7]ufgf
z]o/ z}lIfs
qm=;+ Gffd kb pd]/ /fli6«otf -;DalGwt jf
:jfldTj of]Uotf
cGo_
PgaL -O{06/g]zgn_ Nffu" Nffu" Nffu" 8lAng @,
!= ;+:yfks $,%),%(,@@& Nffu" gx'g] cfo/n}08
ln= gx'g] gx'g] gx'g]
/fli6«o aLdf sDkgL Nffu" Nffu" Nffu" /fdzfxky,
@= ;+:yfks *&,!$,$%% Nffu" gx'g] sf7df8f}+
ln= gx'g] gx'g] gx'g]
;+rfnsx?sf] ljj/0f M
qm= pd]/ z]o/ z}lIfs cg'ej
gfd Kfb /fli6«otf 7]ufgf
;+= -jif{_ :jfldTj of]Uotf -;DalGwt jf cGo_
 k"j{ sfo{sf/L cWoIf
zDe' k|;fb k'tnL;8s, k|df0fkq tx /fli6«o aLdf ;+:yfg
! cWoIf &$ g]kfnL !$,%!)
kf}8\ofn sf7df8f}+ -dfgljsL_  k"j{ pkfWoIf
g]kfn Ifo/f]u lgjf/0f ;+u7g
 k|aGw lgb]{zs
lgjf{0f s'df/ ;fg]kf, Pd=aL=P= rf}w/L u|'k, ;fg]kf
@ ;~rfns #& g]kfnL *,)!,%*#  k"j{ k|d'v sfo{sf/L
rf}w/L nlntk'/
l;hL lkmGsf]
k|f=ln=
bof/fd uf]kfn nflhDkf6, k|df0fkq tx  Joj;foL, ;fdflhs cleoGtf
# ;~rfns %$ g]kfnL *,^%! tyf lxdfno 6]lnlehgsf
cu|jfn sf7df8f}+ -jfl0fHo_
sfo{qmd k|:tf]tf
10
 k"j{ sfo{sf/L k||d'v
/ftf]k'n, - PgPdla a}+s
pk]Gb| k|;fb Pd=aL=P= lnld6]8
$ ;~rfns ^! g]kfnL sf7df8f}+
kf}8\ofn  k'j{ cWoIf
g]kfn a}+s;{
P;f]lzP;g
 k"j{ sfo{sf/L k|d'v

d'DaO{, ef/t - Pd=P:;L=
cfO{=Pkm=l;=cfO{
% dno d'vhL{ ;~rfns ^$ ef/tLo ln=
 k"j{ sfo{sf/L
lgb]{zs
;]G6«n a}+s, ef/t
 k"j{ lgjf{rg cfo'Qm
:jtGq s'k08f]n, lgjf{rg cfof]u,
^= O{nf zdf{ %$ g]kfnL - PnPnPd sf7df8f}+ .
;~rfns nlntk'/
 jl/i7 dxfk|aGws
Kfsgfhf]n, 126 l;=hL=km'8\; k|f=ln=
&= dx]z /fh kGt ;~rfns &* g]kfnL aL=P
sf7df8f}+  k"j{ gfoa dxfk|aGws
a'6jn l:klg+u ldN;, a'6jn
v_ ;+:yfksx? s'g} sDkgL÷;+:yf ePdf To:tf] sDkgL÷;+:yfsf] gfd tyf 7]ufgf ;lxtsf] ;+lIfKt ljj/0f / pQm
sDkgL÷;+:yfsf ;~rfnsx?sf] gfd, 7]ufgf -k|fs[lts JolQm gv'n];Dd_ M
qm ;+:yfks sDkgLsf] gfd ;+rfnsx?sf] gfd, 7]ufgf ;+lIfKt kl/ro
;+= tyf 7]ufgf
;+rfnsx? M
D.Foldi, USA
ljb]zL a+}s tyf ljQLo
Pg=aL= -O{06/g]zgn_ ln=, A.A.Mintoo, USA ;+:yfx?df nufgL ug]{ p2]Zon]
! 8lAng @, cfo/n}08 M.Ahmed, Bangladesh 8lAng, cfo/n}08df btf{ ePsf]
E.Shane UK sDkgL .
J.P.Kanoria, India
;+rfnsx? M ztk|ltzt ;/sf/L nufgLdf
>L pd]z rGb| pkfWofo -cWoIf_ /fli6«o aLdf ;+:yfgsf] ?kdf
>L yfg k|;fb k+u]gL, -pk;lrj—cy{ dGqfnoaf6 lgo'Qm_ btf{ eO{ kl5 pQm sDkgLaf6
/fli6«o aLdf sDkgL >L lzj/fd ld> -d'Vo k|aGws — g]kfn a}+saf6 lgo'Qm_ lhjg tyf lglh{jg aLdf ug]{
@ ln==,/fdzfxky, sf7df8f}+ sfo{ cnu cnu sDkgLaf6 ug]{
>L ljho s'df/ >]i7, -sf=d'= d'Vo k|aGws — sd{rf/L ;/sf/L lglt cg'?k lglh{jg
;+ro sf]ifaf6 lgo'Qm_ aLdf ug]{ ;/sf/L sDkgLsf]
>L czf]s s'df/ pk|]tL -;+rfns_ ?kdf :yflkt .
;+rfnsx? M
>L nId0f Gof}kfg] -cWoIf_
g]kfn :6s PS;r]~h ln=, >L b]j s'df/ 9sfn -;+rfns_ z]o/ nufot cGo lwtf]kqsf]
# l;+xb/af/ Knfhf, >L d's'Gb s'df/ If]qL -;+rfns_ vl/b laqmL sfo{ ug]{ g]kfnsf]
l;+xb/af/, sf7df8f}+ >L /d]z cof{n -;+rfns_ Ps dfq :6s PS;r]~h .
>L b]j]Gb| /d0f vgfn -;+rfns_
>L rGb| l;+x ;fpb -;+rfns_
u_ ;+ul7t ;+:yfsf] ;~rfnsx? cGo s'g} sDkgL, ;+:yf, sf]if, ;+u7g;Fu cfj4 eP To:tf] ;~rfns / cfj4 ePsf]
;+:yfsf] gfd M
a}+ssf ;+rfnsx? cfj4 /x]sf cGo sDkgL, ;+:yf, sf]if, ;+u7g jf kmd{x?sf] ljj/0f b]xfo cg';f/ 5g\ M
qm=;+= ;~rfnssf] Gffd cfj4 ePsf] ;+:yfsf] gfd, 7]ufgf
lgjf{0f s'df/ rf}w/L != P=l;= ;]N6;{ k|f=ln=
@= /fx'n laN8j]n k|f=ln=
11
#= P=l;= O{Gk|mf:6«Sr/ P08 8]enkd]06 k|f=ln=
$= /fx'n 6fpgl;k k|f=ln=
%= l;=hL= l;d]06 O{08li6«h k|f=ln=
^= l;=hL= dl0fkfn sn]h k|f=ln=
&= l;=hL= dl0fkfn Ps]8]dL k|f=ln=
*= l;=hL= sDo"lgs]zg k|f=ln=
! (= l;=hL= Kofs]lh+u -g]kfn_ k|f=ln=
!)= l;=hL= dl0fkfn xfO{P/ Ph's]zg k|f=ln=
!!= xa 8]enk;{ k|f=ln=
!@= l;=hL= l;d]06 O{08li6«h kfNkf k|f=ln=
!#= Unf] lrtjg g]kfn k|f=ln=
!$= lh+s k~rsdf{ k|f=ln=
!%= cf/ P08 cf/ xf]6N; P08 l/;f]6{ k|f=ln=
!^= cf/ P08 cf/ x]l/6]h k|f=ln=
!&= SoflDkog sf7df8f}+ :s"n k|f=ln=
!*= l;=hL= km'8 O{08li6«h k|f=ln=
!(= l;=hL= lxN; k|f=ln=
@ bof/fd uf]kfn cu|jfn )!= ho ljho 6]«8;{
Gff]6 M o; ;+:yfsf] ;+rfnsx?sf] ;DaGwdf “;"lrs[t ;Ëul7t ;+:yfx?sf] ;+:yfut ;'zf;g ;DalGw lgb]{lzsf,
@)&$” sf] Joj:yfx? tyf sDkgL P]g,@)^# sf] bkmf *( sf] pkbkmf -!_ 5 sf] kfngf ePsf] 5 .
3_ ;+:yfks÷;~rfnssf] xs x:tfGt/0f aGb]h ;DaGwL ljj/0f M
z]o/sf] cnfjf l8a]Gr/ tyf cGo lwtf]kqsf] xs x:tfGt/0fdf ;+:yfks÷;+rfnsnfO{ s'g} aGb]h g/x]sf] .
u=% v ;+:yfks÷;~rfns;Fusf] sf/f]jf/M
s_ ;+ul7t ;+:yfaf6 s'g} ;+:yfks÷;~rfnsn] k|ToIf jf ck|ToIf ?kdf s'g} j:t' jf ;'ljwf -cfly{s jf u}/ cfly{s_
k|fKt u/]sf] jf k|fKt ug]{ ePdf To:tf] j:t' jf ;'ljwfsf] k|s[lt / d"No / To:tf] ;'ljwf lbP jfkt ;+ul7t ;+:yfn]
s'g} ;DklQ, ;]jf k|fKt u/]sf] jf ug]{ ePdf tT;DaGwL ljj/0f M ;f] gePsf] .
v_ a'Fbf -s_ df pNn]lvt j:t' jf ;'ljwfsf] d"No lgwf{/0f ug{ ckgfOPsf] tl/sf M ;f] gePsf] .
u=^ l;ldt bfloTj ;DaGwL ljj/0f M

of] a}+s sDkgL P]g, @)^# tyf a}+s tyf ljQLo ;+:yf ;DaGwL P]g, @)&# cGtu{t :yflkt tyf ;~rflnt klAns
lnld6]8 sDkgLxf] . o;df z]o/jfnfx?sf] bfloTj l;ldt 5 . o; a}+ssf z]o/ jfnfx?sf] bfloTj lghx?n] vl/b u/]sf]
z]o/sf] c+lst d"No;Dd dfq l;ldt x'g]5 . C0fkqsf] xsdf C0fkqwgLx?n] vl/b u/]sf] C0fkqsf] e'StfgL ug]{ bfloTj
a}+ssf] x'g]5 .
u=& ;+ul7t ;+:yfsf] sd{rf/L ;DaGwL ljj/0f M

u=&= s ;+ul7t ;+:yfsf] pRr Joj:yfksLo txsf clws[t sd{rf/Lx? ;DaGwL ljj/0f M
s_ ;+ul7t ;+:yfsf] pRr Aoj:yfksLo txsf clws[t sd{rf/Lx?sf] gfd, of]Uotf, lgo'lQm ePsf] ldlt, klxn] sfd
u/]sf] cg'ej tyf ;+ul7t ;+:yfsf] z]o/ lnPsf] eP z]o/ ;+Vof ;DaGwL ljj/0f . ;fy} To:tf] sd{rf/Lx? cGo s'g}
;"rLs[t ;+ul7t ;+:yfsf] cfwf/e"t z]o/wgL eP jf cGo s'g} ;+ul7t ;+:yfdf nufgL u/]sf] eP pQm ;+ul7t ;+:yfsf]
gfd / nufgL u/]sf] /sd v'nfpg' kg]{ ;DaGwL ljj/0f M
sd{rf lgo'lQm
qm=
/Lsf] tx of]Uotf ePsf] 7]ufgf cg'ej z]o/
;+
gfd ldlt
 k|d'v sfo{sf/L clws[t, d]uf a}+s lnld6]8–
clgn k|d'v Pd=aL=P=, O{= ;+= sf7df8f}+ gljn a}+s lnld6]8 –h'g &*,@(^ lsQf
! s]z/L sfo{sf/L lbNnL @)!*– g]kfn @)!* b]lv xfn;Dd
zfx clws[t ljZjljBfno )^–@!  dxf k|aGws, gljn a}+s
lnld6]8 – km]j|'c/L @)!*
12
b]lv h'g @)!* ;Dd
 k|d'v sfo{sf/L clws[t,
d]3f a}+s lnld6]8 –@))(
b]lv @)!* ;Dd
 k|d'v sfo{sf/L clws[t,
gljn a}+s lnld6]8–
@))$ b]lv @))( ;Dd
API kfj/ s= ln= – @&
lsQf
A}+fs ckm sf7df08f}+ –
$&& lsQf
a'6jn kfj/ s= ln=- ##
lsQf
l5d]s n3'ljQ ;+=ln= –
!&( lsQf
;]~r'/L sdl;{on a}+s –
#*$! lsQf
PE/]i6 a}+s ln=–@^(
kmf]jf{8 dfOqmf]kmfOGof;
ln=–$( lsQf
clgn gfoa k|d'v Pd=aL=P=, O{= ;+= Unf]an cfO{= Pd= O{= a}+s
sf7df8f}+ gljn a}+s lnld6]8– !(** –^( lsQf
@ s'df/ sfo{sf/L lqe'jg !(**–
g]kfn b]lv xfn;Dd hgftf a}}s ln= –@^&
vgfn clws[t ljZjljBfno )*–#! n'DaLgL ljsf; a}+s –**
lsQf
nIdL a+}s ln= –%*&
lsQf
n'DaLgL hg/n OG;'/]G;
ln= –!!@ lsQf
nIdL n3'ljQ ;+= ln= –
%$ lsQf
df5fk"R5|] a}+s ln= –!&)
lsQf
ldt]/L 8]AnKd]G6 a}+s –
$%% lsQf
d]uf a}+s lnld6]8 –
@,)^@ lsQf
nIdL n3'ljQ ;+= ln= –
** lsQf
d]uf a}+s ln= –#! lsQf
gljn Aofn]G; km08 @ –
@),))) lsQf
gljn O{lSjl6 km08 –
%,^** lsQf
ljgo Pd=aL=P=, !(*&– sf7df8f}+
gfoj gljn a}+s lnld6]8 – !(*& NIC Asia a}+s ln= –*$#
# s'df/ lqe'jg
dxfk|aGws )$–@! g]kfn b]lv xfn;Dd lsQf
/]UdL ljZjljBfno
NMB a+}s ln= –@@*
lsQf
k|e' a}+s ln=–@@) lsQf
l;4fy{ a}+s ln= –%@@
lsQf
:6\of088{ rf6{8 a+}s ln=
–#,#$# lsQf
gljn a}+s ln= –@,&$$
lsQf
gkfn afª\nfb]z ln= –
*)$ lsQf
Pd=aL=P=, !(*^– nlntk'/
lbks gfoj gljn a}+s lnld6]8 – !(*^ NCC a+}s ln= – #)@
$ >]i7 dxfk|aGws lqe'jg )$–!% b]lv xfn;Dd
ljZjljBfno g]kfn lsQf
l;4fy{ a}+s ln= – ^(%
lsQf
k|e' a}+s ln= – @&) lsQf
;fgLdf a}+s ln= – @,&)(
13
lsQf
nIdL a}+s ln= –*(*
lsQf
a+}s ckm sf7df08f}+ –
!)@ lsQf
NCC a+}+s ln= –!)))
lsQf
PE/]i6 OG;'/]G; ln=– #)
Pd=P:;L= / lsQf
/d]z !((#– sf7df8f}+ l;4fy{ a}+s ln=–@@#
% k|;fb gfoj Pd=aL=P=, gljn a}+s lnld6]8 – !((#
dxfk|aGws lqe'jg )^–)! g]kfn b]lv xfn;Dd lsQf
nf]xgL g]kfn OGe]i6d]G6 a}+s
ljZjljBfno
ln=– !,&() lsQf
gljn Do'rn km08 –
(,!$( lsQf
gljn OlSj6L km08–
^,&%( lsQf
xfO8«f]On]S6«]l;6L
O{Ge]i6d]G6 P08 8]AnKd]G6
sDkgL ln= –%* lsQf
Unf]an cfO{= Pd= O{=
a}+s– !)) lsQf
d]uf a}+s ln– !%) lsQf
j?0f xfO8«f] sDkgL ln=–
Pd lj P, !) lsQf
gfoj g]kfn OGe]i6d]G6 a}+s
cfbz{ @)!(– sf7df8f}+ gljn a}+s lnld6]8 – @)!( ln=–!(^ lsQf
^ dxfk|aGws Sf7df08f}+
aHufFO{ !)–@% g]kfn b]lv xfn;Dd xfO8«f] kfj/ OGe]i6d]G6
ljZjljBfno P08 8]KnKd]G6 sDkgL
ln= –&@ lsQf
d]/f] dfOqmf]kmfOGofG;
ljlQo ;+:yf ln= –!$
NMB ;'ne OGe]i6d]G6
km08 ! – &,*#) lsQf
g]kfn OGe]i6d]G6 a}+s
ln=–!@ lsQf
l;len a}+s ln=–!!!
lsQf
PE/]i6 a}+s ln= –!!(
lsQf / EBLP –!)
s[i0f Pd=aL=P=, !((!– sf7df8f}+
;xfos gljn a}+s lnld6]8 – !((! lsQf
& bQ lqe'jg tf/fufFp /]h]G;L–@)
dxfk|aGws !@–#) g]kfn b]lv xfn;Dd
e§/fO{ ljZjljBfno sfi7d08k 8]KnKd]G6 a}+s
–^* lsQf
API kfj/ s=ln=–!#
lsQf
;]~r'/L sdl;{on a}+s–
!@@ lsQf
pNn]lvt clws[t sd{rf/Lx? cGo s'g} ;"rLs[t ;+ul7t ;+:yfsf] jf cGo s'g} ;+ul7t ;+:yfsf] cfwf/e"t z]o/wgL
g/x]sf] hfgsf/L u/fpg rfxG5f} .
v_ ljj/0fkq af]8{df k|:t't ug'{ eGbf ! jif{ cufl8sf] cjlwdf lgod cg';f/ cjsfz k|fKt ePsf] cj:yf afx]s ;+ul7t
;+:yfsf] pRr Joj:yfksLo txdf /x]sf s'g} sd{rf/L kl/jt{g ePdf ;f] ;DaGwL ljj/0f pNn]v ug'{ kg]{M ;f]
gePsf] .
u_ sd{rf/L ;+Vof M :yfoL, c:yfoL, s/f/, Hofnfbf/L / cGo .
:yfoL c:yfoL s/f/ Hofnfbf/L cGo s'n sd{rf/L ;+Vof
1079 &@( @ ) ) !*!)
14
u=&= v ;+rfns Pj+ pRr Joj:yfksLo txsf clws[tnfO{ lbPsf] eQf tyf kfl/>lds ;DalGw ljj/0f M
s_ ;~rfns ;ldltsf] cWoIf nufot cGo ;b:ox?nfO{ k|bfg ul/g] jf ul/Psf] a}7s eQfsf] b/ tyf lghx?nfO{
k|bfg ul/g] jf ul/Psf] b}lgs tyf e|d0f eQf tyf cGo ;'ljwfM
!= ;+rfns ;ldltsf] a}7sdf pkl:yt eP afkt cWoIfn] kfpg] a}7s eQf k|lt a}7s ?= !%,)))÷– / ;+rfnsx?n]
kfpg] a}7s eQf k|lt a}7s ?= !@,)))÷– /x]sf] 5 . ;fy} ;~rfns ;ldltsf ;b:ox?sf] nflu df]afOn,
6]lnkmf]g, kq—klqsf vr{ jfkt dfl;s ?= !%,)))÷– pknAw u/fO{G5 .
@= a}+ssf] sfdsf] l;nl;nfdf ;+rfnsnfO{ k|bfg ul/g] b}lgs tyf e|d0f eQf b]xfo adf]lhd x'g]5 M
b}lgs eQf M
a}+ssf] sfdsf] l;nl;nfdf a}+ssf] cWoIf÷;+rfns a}+ssf] /lhi68{ sfof{no /x]sf] :yfg aflx/ hfg'kg]{ l:ylt
cfPdf ;+rfnsn] b]xfo adf]lhdsf] b}lgs eQf kfpg] 5 M
-c_ :jb]zdf b}lgs eQf g]=?= !,%))÷–
-cf_ ef/tdf b}lgs eQf ef=?= !,%))÷–
-O_ ef/t jfx]ssf cGo ;fs{ d'n'sx?df b}lgs eQf cd]l/sL 8n/ !))
-O{_ af+sL cGo d'n'sx?df b}lgs eQf cd]l/sL 8n/ !%)
-p_ xf]6n vr{ jf:tljs lan adf]lhd
-pm_ k|yd >]0fLsf] xjfO{ l6s6//]n l6s6
v_ ;+ul7t ;+:yfsf] pRr Aoj:yfklso txsf tLg hgf clws[tx?sf] gfd, kb / Ps cfly{s jif{sf] cjlwleq
pgLx?nfO{ kfl/>ldssf] ?kdf e'QmfgL ul/Psf] /sd M
Ps cfly{s aif{sf] cjlwleq kfl/>ldssf]
l;=g+ sd{rf/Lsf] gfd Kfb
?kdf e'Qmfg ul/Psf] /sd (2075/76)
!= clgn s]z/L zfx k|d'v sfo{sf/L clws[t !%,&%@,)))=))
@= clgn s'df/ vgfn gfoa k|d'v sfo{sf/L clws[t !),!#%,$)%=)*
#= ljgo s'df/ /]UdL gfoj dxfk|aGws *,*(%,)##=$#
-u_ s'g} clws[t jf ;~rfnsnfO{ eljiosf] nflu s'g} /sd k|bfg ul/g] u/L s/f/ ul/Psf] eP ;f] ;DaGwL ljj/0fM
xfn;Dd To:tf] s'g} s/f/ ul/Psf] 5}g .
-u_ *= cGtlg{lxt hf]lvd tyf ;f]sf] Joj:yfkgsf nflu Joj:yfkgsf] wf/0ffM sDkgLsf] cGtlg{lxt hf]lvdx? lgDgfg';f/
/x]sf 5g\ M
-s_ ljQLo ;fwgsf] cefjaf6 x'g] hf]lvd M
-!_ lgIf]k tyf shf{sf] Jofhb/df cfpg] kl/jt{gaf6 x'g ;Sg] hf]lvdx? .
-@_ g]kfnsf] ahf/df x'g] cfly{s dGbLaf6 kg{ ;Sg] c;/af6 x'g ;Sg] cfly{s hf]lvdx? .
-v_ sRrf kbfy{sf] cefjaf6 x'g] hf]lvd M nfu" gx'g] .
-u_ pTkfbg tyf ;]jfsf] ahf/ l:ylt / o;df cfpg] kl/jt{gaf6 x'g] hf]lvd M
-!_ gofF a}+s tyf ljQLo ;+:yfx?sf] k|j]zaf6 pTkGg x'g] k|lt:kwf{af6 x'g ;Sg] hf]lvdx? .
-@_ b]zsf] cfly{s cj:yfdf cfpg] ptf/r9fjaf6 x'g ;Sg] hf]lvdx? .
-3_ cfof]hgf ;DkGg x'g l9nfO{ x'g] ;Defjgf / To;af6 x'g] d"No clej[l4 (Cost Overrun) sf] hf]lvd M nfu" gx'g] .
-ª_ ljb]zL ljlgdosf] hf]lvd M
15
-!_ b]zsf] j}b]lzs Jofkf/ gLltdf x'g ;Sg] kl/jt{g tyf ljb]zL d'b|fsf] ljlgdo b/df 36a9 eO{ pTkGg x'g;Sg]
;Defljt hf]lvdx? .
-r_ sfg"gL k|lqmofx? tyf O{hfht k|fKt ug'{kg]{ eP ;f]af6 kg{ ;Sg] cj/f]wx? M nfu" gx'g] .
-5_ If]qLos/0f / ljZjJofkLs/0f (Globalization) sf sf/0faf6 pTkGg x'g ;Sg] hf]lvd M
-!_ cGt/f{li6«o ahf/df x'g] cfly{s dGbLaf6 kg{ ;Sg] c;/af6 x'g ;Sg] cfly{s hf]lvdx? .
-h_ ;/sf/L gLlt tyf lgodx?df x'g] kl/jt{g tyf ljZjAofkL ?kdf x'g] gLltut kl/jt{gaf6 x'g] hf]lvdM
-!_ g]kfn ;/sf/ tyf g]kfn /fi6« a}+ssf] cfly{s tyf ljQLo gLlt lgoddf x'g] kl/jt{gaf6 >[hgf x'g ;Sg]
hf]lvdx? .
-@_ b]zsf] df}lb|s gLlt nufot g]kfn /fi6« a}+sn] hf/L ug]{ lgod lgb]{zgsf] ck|Toflzt kl/jt{gaf6 l;h{gf x'g]
;Defljt hf]lvdx? .
-em_ ;~rfng O{ltxf;sf] cefj M nfu" gx'g] .
-`_ k|ljlwsf] kl/jt{gaf6 x'g ;Sg] hf]lvd M
a}lsË k|ljlwnfO{ r':t b'?:t /fVg ;ˆ6j]o/ tyf xf8{j]o/df ;do ;fk]If x]/km]/ ug'{kg{ ] ePdf yk vr{ a9\g
;Sg]5 . ;fy} a}+sn] lg/Gt/ ?kdf k|ljlw kl/jt{gaf6 l;lh{t x'g ;Sg] hf]lvdx?nfO{ dWogh/ ul/ cfjZos
tflnd tyf lj1x?sf] ;'emfjx? ;do ;dodf lnO{/x]sf] .
-6_ cGo M
-!_ a}+sn] k|bfg u/]sf] shf{ tyf ;fk6 v/fa shf{df kl/0ft x'g uPdf x'g] hf] lvd .
-@_ b]zsf] /fhg}lts cl:y/tfaf6 cfpg ;Sg] hf]lvdx?
-#_ k"FhL ahf/sf] cj:yfdf cfpg] ptf/ r9fjaf6 kg{ ;Sg] hf]lvdx? .
-$_ a}+sn] ;/sf/L tyf u}/ ;/sf/L lwtf]kqx?df nufgL u/]sf] x'Fbf tL nufgLdf x'g] d"No kl/jt{gsf] hf]lvd
;Defljt cfly{s hf]lvdx?nfO{ Go"gLs/0f ug{ Joj:yfkgn] lgDg pkfox? cjnDjg ub}{ hfg]5 M
a}+ssf] shf{ tyf nufgL v/fa eO{ x'g ;Sg] hf]lvdsf] nflu a}+sn] shf{ tyf nufgL hf]lvd sf]ifsf] Joj:yf u/]sf] 5 .
a}+sn] ljQ ahf/df x'g] k|lt:kwf{sf] nflu hgzlQm ljsf;df cfjZos Wofg k'¥ofpg'sf] ;fy} cGo Jofj;flos
hf]lvdx?af6 l;h{gf x'g ;Sg] xfgL gf]S;fgLsf] nflu Joj:yfkg rgfvf] eO{ ;Defljt xfgL gf]S;fgL sd ug{ ;Ifd
tyf k|lta4 5 . ;fy}, cfˆgf] ;]jfnfO{ cem u'0f:t/Lo / k|lt:kwL{ agfO{ pkef]Qmfd'vL ;]jfx? k|bfg u/L dWosfnLg
tyf bL3{sfnLg shf{ ;fk6Lx? v/fa shf{df kl/0ft eO{ pTkGg x'g] hf]lvd sd ug{sf nflu a}+sn] k|efjsf/L shf{
gLlt cjnDjg u/]sf] 5 . To:t} cGo ljleGg hf]lvdx? Go"gLs/0fsf nflu k|efjsf/L cfGtl/s lgoGq0f k|0ffnL,
;dofg';f/sf] cfw'lgs k|ljlw, :ki6 gLlt tyf lgodx?sf] lgdf{0f Pj+ ;dofg';f/ cfˆgf] ;]jf tyf ;'ljwfx?df
kl/jt{g ub}{ nlug] a}+ssf] gLlt /x]sf] Joxf]/f hfgsf/L u/fp+5f} . lwtf]kqsf] d"No kl/jt{g ;DjGwL hf]lvd ?=
!,)))÷– k|lt C0fkqsf] b/n] lgisfzg ul/Psf] d"Non] ;"rLs/0f kZrft\ lwtf]kq ahf/df x'g] sf/f]jf/n] C0fkq
d"Nodf x'g ;Sg] kl/jt{gsf] hf]lvd /x]sf] 5 .
u= (= ljQLo ljj/0f M
u=( -s_ ljQLo ljj/0f / tT;DaGwdf Joj:yfkgsf] wf/0ff / ljZn]if0f
-s_ ;+ul7t ;+:yfsf] n]vfkl/If0f ePsf] kl5Nnf] cfly{s jif{sf] jf;nft, gfkmf gf]S;fg lx;fa, gfkmf gf]S;fg afF8kmfF8,
gub k|jfx ljj/0f M
jf;nft -cfiff9 #!, @)&^_
a}+}s -?= xhf/df_
ljj/0f
cfiff9 d;fGt @)&^
;DklQ
g]kfn /fi6« a}+sdf /x]sf] df}Hbft tyf lng'kg]{ /sd 6,191,828
16
a}+s tyf ljlQo ;+:yfdf u/]sf] nufgL -Kn];d]06_ 11,078,729
8]l/e]l6e -Jo"TkGg_ ljlQo pks/0f 8,539,057
cGo Jofkfl/s ;DklQx? 0
a]+s tyf ljlQo ;+:yfnfO{ lbPsf] shf{ tyf ;fk6L 6,058,493
nufgL 25,303,073
;xfos sDkgLsf] nufgL 78000
;Dj¢ sDkgLdf nufgL 80,000
nufgL ;DklQ -OGe]i6d]06 k|f]kl6{_ 8,219
u'8jLn -Voflt_ / cd[t{ ;DklQ 41,401
:yug s/ ;DklQ 0
cGo ;DklQ 2,590,771
hDdf ;DklQ 201,138,821
cfiff9 d;fGt @)&^

bfloTj
a}+}s -?=xhf/df_
a]+s tyf ljlQo ;+:yfnfO{ ltg{ afsL“ 1,419,042
g]kfn /fi6« a}+snfO{ ltg{ afsL“ 88,475
8]l/e]l6e -Jo'TkGg_ ljlQo pks/0f 8,335,073
u|fxsaf6 lgIf]k bfloTj 162,954,000
;fk6L 0
o; jif{sf] cfos/ bfloTj 0
Joj:yfx? 0
:yug s/ bfloTj 851,537
cGo bfloTj 4,302,083
hf/L ul/Psf] C0fkq 0
;'/If0f g/flvPsf] ;xfos cfjlws bfloTj 0
s'n bfloTj 177,950,209
k"“hL cfiff9 d;fGt @)&^

ljj/0f a}+}s -?=xhf/df_
z]o/ k'“hL 9,011,845
z]o/ lk|ldod 74
;+lrt d'gfkmf 3,735,334
hu]8f sf]ifx? 10,441,359
z]o/wgLx?nfO{ af“8kmf“8of]Uo s'n OlSj6L 23,188,612
u}/ lgolGqt :jfy{ 0
s'n OlSj6L 23,188,612
s'n bfloTj / OlSj6L 201,138,821
;+efljt bfloTj tyf k|ltj¢tf 58,644,136
k|lt z]o/ v'b ;DklQ 257.31
17
gub k|jfx ljj/0f -cf=j= @)&%÷&^_
cf=j= @)&%÷&^
ljj/0f
a}+}s -?= xhf/df_
sf/f]jf/ ;+rfngaf6 gub k|jfx
Jofh cfDbfgL 14,980,231
z'Ns tyf cGo cfDbfgL 1,388,153
nfef+; -
sf/f]jf/ ;+rfngaf6 k|fKtL 891,365
Jofh vr{ (8,084,612)
sldzg tyf z'Ns vr{ (64,461)
sd{rf/L vr{ (1,799,147)
cGo vr{ (779,544)
;+rfng ;DklQ / bfloTjsf] kl/jt{g cl3sf] ;+rfng gub k|jfx 6,531,985
;+rfng ;DjlGw rfn' ;DklQdf sdL÷-j[l¢_ -
g]kfn /fi6« a}+sdf /x]sf] df}Hbft 1,180,457
a}+sx?df Placement (918,448)
cGo Jofkfl/s ;DklQ -
a}+s tyf ljQLo ;+:yfnfO{ lbPsf] shf{ ;fk6 (1,507,781)
u|fxsnfO{ lbPsf] shf{ ;fk6 (18,634,743)
cGo ;DklQ (742,188)
;+rfng ;DjlGw rfn' Liabilities df sdL÷-j[l¢_ -
a}+s tyf ljlQo ;+:yfx?nfO{ lbg' kg]{ afFsL /sd 250,377
g]kfn /fi6« a}+snfO{ lbg' kg]{ jf“sL /sd 55,957
u|fxssf]] lgIf]k 28,143,330
C0f ;fk6L -
cGo bfloTj (223,454)
cfos/ cuf8Lsf] sf/f]jf/ ;+rfngaf6 v'b gub k|jfx 14,135,493
cfos/ e'QmfgL (1,907,318)
sf/f]jf/ ;+rfngaf6 gub k|jfx 12,228,175
nufgL sf/f]jf/df gub k|jfx -
nufgL vl/b (6,628,147)
nufgL laqmL -
l:y/ ;DklQsf] vl/b (229,901)
l:y/ ;DklQsf] laqmL 11,463
cd"t{ ;DklQsf] vl/b (6,216)
nufgL ;DklQsf] vl/b -
nufgL ;DklQsf] laqmL -
Jofh cfDbfgL -
Nffef+z cfDbfgL 95,039
nufgL sf/f]jf/df ePsf] v'b gub (6,757,762)
ljlQo >f]t sf/f]jf/af6 gub k|jfx -
C0fkq lgisfzgaf6 k|fKt -
C0fkqdf vr{ (60,000)
c;'/lIft bfloTjsf] lgisfzgaf6 k|fKt -
18
c;'/lIft bfloTjdf ePsf] vr{ -
z]o/ lgisfzgaf6 k|fKt -
nfef+; vr{ (882,786)
Jofh vr{ (279)
cGo cfDbfgL vr{ -
ljlQo >f]t sf/f]jf/af6 v'b gub (943,066)
gub k|jfxdf ePsf] v'b 36÷a9 4,527,347
gub tyf gub ;dfgdf /x]sf] z'?jftL df}Hbft 7,952,350
gub tyf gub ;dfgdf ljlgdo b/df ePsf] km/saf6 cfDbfgL÷vr{ -
gub tyf gub ;dfgdf /x]sf] clGtd df}Hbft 12,479,698
gfkmf gf]S;fg lx;fjsf] ljj/0f -cf= j @)&%÷&^_
a}+s -?=xhf/df_
ljj/0f
cf= j @)&%÷@)&^
Jofh vr{ 8,084,526
v'b Jofh cfDbfgL 7,159,254
z'Ns tyf sldzg cfDbfg|L 1,291,005
z'Ns tyf sldzg vr{ 64,461
v'b z'Ns / sldzg cfDbfgL 1,226,544
v'b Jofh,z'Ns / sldzg cfDbfgL 8,385,798
v'b Jofkfl/s cfDbfgL 448,343
cGo ;+rfng cfDbfgL 494,670
hDdf ;++rfng cfDbfgL 9,328,810
shf{ hf]lvd Joj:yf ÷-lkmtf{_ tyf cGo gf]S;fgL 405,174
v'b ;++rfng cfDbfgL 8,923,636
;+rfng vr{
sd{rf/L vr{ 1,949,610
cFGo ;+rfng vr{ 777,203
x|f; s6\6L / kl/if]f]wg 170,173
;+rfng d'gfkmf 6,026,651
u}/ ;+rfng cfDbfgL 17,010
u}/ ;+rfng gf]S;fg 2,341
cfo s/ cl3sf] d'gfkmf 6,041,319
cfos/ vr{
rfn' s/ 1,810,175
:yug s/ -7,709
o; cjlwsf] d'gfkmf 4,238,854
gfkmf jf“8kmf“8
a}+ssf] z]o/wgL 4,238,854
u}/ lgolGqt :jfy{

k|lt z]o/ cfDbfgL

cfwf/e't k|lt z]o/ cfDbfgL 50.57
19
8fOn'6]8 k|lt z]o/ cfDbfgL 50.57
-v_ ;~rfng cjlw tLg jif{ JotLt e};s]sf] cj:yfdf ljut tLg jif{sf] / tLg jif{ Joltt e}g;s]sf] cj:yfdf
;~rfng cjlwe/sf] n]vfk/LIf0f ePsf] gfkmf gf]S;fg, jf;nft ;lxtsf] ;+lIfKt ljQLo ljj/0f -;xfos sDkgL eP
;dli6ut ?kdf_ M
jf;nft
;d"x -?= xhf/df_
ljj/0f
cf=j= @)&#÷&$ cf=j= @)&$÷&% cf=j= @)&%÷&^
;DklQ
gub tyf gub ;dfg 7,301,867 8,232,272 12,593,161
g]kfn /fi6« a}+sdf /x]sf] df}Hbft 5,924,570 7,372,285 6,191,828
a}+sx?df -Kn];d]06_ 20,514,705 10,160,281 11,078,729
8]l/e]l6e -Jo"TkGg_ ljlQo pks/0f 32,655 - 8,539,058
cGo Jofkfl/s ;DklQx? 58,697 74,553 46,180
a}+s tyf ljlQo ;+:yfnfO{ lbPsf] shf{ tyf ;fk6L 3,322,322 4,565,790 6,058,493
u|fxsnfO{ lbPsf] shf{ tyf ;fk6L 89,149,019 109,059,365 127,500,243
nufgL p2]Zosf lwtf]kq 15,473,134 18,535,083 25,547,073
clu|d s/ e'QmfgL 68,291 258,454 142,893

;xfos sDkgLsf] nufgL - - -
P;f]l;P6 sDkgLdf nufgL 67,766 79,586 126,093
nufgL p2]Zo ePsf l:y/ ;DklQ - 8,219 8,219
l:y/ ;DklQ tyf sfof{{no pks/0f 813,124 1,007,738 1,066,910
;fv tyf cef}lts ;DklQ 61,588 50,871 42,295
:yug s/ ;DklQ - 4,033 4,027
cGo ;DklQ 1,622,712 2,116,700 2,629,504

hDdf ;DklQ 144,410,449 161,525,230 201,574,704
bfloTj cf=j= @)&#÷&$ cf=j= @)&$÷&% cf=j= @)&%÷&^
a]+s tyf ljlQo ;+:yfnfO{ ltg{ afsL“ 4,504,662 1,168,665 1,419,042
g]kfn /fi6« a}+snfO{ ltg{ afsL“ 13,385 32,518 88,475
8]l/e]l6e -Jo'TkGg_ ljlQo pks/0f - 53,840 8,335,073
u|fxsaf6 lgIf]k bfloTj 117,224,625 134,571,083 162,910,478

;fk6L - - -
o; jif{sf] cfos/ bfloTj - - -
Joj:yfx? - - -
:yug s/ bfloTj 1,043,006 1,009,762 851,537

cGo bfloTj 4,377,502 3,769,895
20
4,510,792
hf/L ul/Psf] C0fkq 300,000 60,000 -

;'/If0f g/flvPsf] ;xfos cfjlws bfloTj - - -
s'n bfloTj 127,463,180 140,665,763 178,115,396
k"“hL ;d"x -?= xhf/df_

cf=j= @)&#÷&$ cf=j= @)&$÷&% cf=j= @)&%÷&^
z]o/ k'“hL 8,043,221 8,043,221 9,011,845
z]o/ lk|ldod 74 74 74
;+lrt d'gfkmf 1,038,145 3,378,389 3,860,780
hu]8f sf]ifx? 7,722,635 9,288,255 10,441,359
z]o/wgLx?nfO{ af“8kmf“8of]Uo s'n OlSj6L 16,804,075 20,709,936 23,314,059
u}/ lgolGqt :jfy{ 143,193 149,531 145,250
s'n OlSj6L 16,947,268 20,859,467 23,459,308
s'n bfloTj / OlSj6L 144,410,449 161,525,230 201,574,704
;+efljt bfloTj tyf k|ltj¢tf 30,633,158 42,383,471 58,644,136
k|lt z]o/ v'b ;DklQ 270 256 258.7
gfkmf gf]S;fg lx;fjsf] ljj/0f
;d"x -?=xhf/df_
ljj/0f
cf=j= @)&#÷&$ cf=j= @)&$÷&% cf=j= @)&%÷&^
8,219,431 15,289,060
Jofh vr{ 5,082,716

2,586,866 8,082,279
v'b Jofh cfDbfgL 6,303,782 7,206,781

5,632,565
z'Ns tyf sldzg cfDbfg|L 1,133,797

1,056,727 1,343,268
z'Ns tyf sldzg vr{ 21,908

15,351 70,542
v'b z'Ns / sldzg cfDbfgL 1,111,889 1,272,726

1,041,376
v'b Jofh, z'Ns / sldzg cfDbfgL 7,415,672 8,479,507

6,673,941
v'b ;6xL 36a9 cfDbfgL 383,657

322,250 445,430
cGo ;+rfng cfDbfgL 544,312

470,735 485,708
hDdf ;++rfng cfDbfgL 8,343,641 9,410,646

7,466,925
shf{ hf]lvd Joj:yf÷-lkmtf{_ tyf cGo gf]S;fgL 175,858

(12,410) 409,029
v'b ;++rfng cfDbfgL 8,167,782 9,001,617

7,479,335
;+rfng vr{
sd{rf/L vr{ 1,750,313
1,450,087 1,970,590
21
cGo ;+rfng vr{ 593,969
561,649 803,004
d'Noxf|; tyf cdf]6f{Oh]zg 129,418

107,072 174,501
;+rfng d'gfkmf 5,694,083 6,053,522

5,360,526
u}/ ;+rfng cfDbfgL 23,009

33,721 23,516
u}/ ;+rfng vr{ 6,805

4,887 2,341
cfo s/ cl3sf] d'gfkmf 5,710,286 6,074,697

5,389,360
cfos/ Joj:yf
o; jif{sf] s/ Joj:yf 1,701,136
1,569,235 1,826,368
ljut aif{;Ddsf] s/ Joj:yf (12,168)

28,597 (7,704)
o; cjlwsf] d'gfkmf 4,021,318 4,256,033

3,791,528
;d"x -?= xhf/df_

ljj/0f
cf=a @)&#÷&$ cf=a @)&$÷&% cf=a @)&%÷&^
a}+ssf] z]o/wgL 4,000,580
3,749,686 4,240,926
u}/ lgolGqt :jfy{ 207,378

41,842 15,107

3,791,528 4,256,033
k|lt z]o/ cfDbfgL
cfwf/e't k|lt z]o/ cfDbfgL 47.14 50.00 50.77
8fOn'6]8 k|lt z]o/ cfDbfgL 47.14 50.00 50.77
PsLs[t gub k|jfx ljj/0f
;d"x -?= xhf/df_

ljj/0f cf=j= @)&#÷&$ cf=j= @)&$÷&% cf=j= @)&%÷&^
sf/f]jf/ ;+rfngaf6 gub k|jfx
11,285,314 15,025,512
z'Ns tyf cGo cfDbfgL 918,132

1,089,585 1,436,221
nfef+; -
- -
sf/f]jf/ ;+rfngaf6 k|flKt 914,930

962,816 903,780
Jofh vr{ (2,604,555)

(5,088,836) (80,823,265)
sldzg tyf z'Ns vr{ 15,351

(21,907) (63,961)
sd{rf/L vr{ (12,537,127)

(1,652,622) (1,821,099)
cGo vr{ (688,338)

(815,586) (811,925)
;+rfng ;DklQ / bfloTjsf] kl/jt{g cl3sf] ;+rfng gub 5,336,693 5,758,703
k|jfx 6,586,161
22
;+rfng ;DjlGw rfn' ;DklQdf sdL ÷ -j[l¢_ -
- -
g]kfn /fi6« a}+sdf /x]sf] df}Hbft (693,235)

(1,447,715) 1,180,457
a}+sx?df Placement (2,247,943)

10,354,424 (918,448)
cGo Jofkfl/s ;DklQ (37,223)

(281,059) 25,461
a}+s tyf ljQLo ;+:yfnfO{ lbPsf] shf{ ;fk6 (440,359)

(1,178,915) (1,507,781)
u|fxsnfO{ lbPsf] shf{ ;fk6 (13,716,557)

(19,910,346) (18,634,743)
cGo ;DklQ (231,557)

(655,146) (738,431)
;+rfng ;DjlGw rfn' Liabilities df sdL ÷ -j[l¢_ -

- -
a}+s tyf ljlQo ;+:yfx?nfO{ lbg' kg]{ jf“sL /sd 1,625,098

(3,335,997) 250,377
g]kfn /fi6« a}+snfO{ lbg' kg]{ jf“sL /sd 13,385

19,133 55,957
u|fxssf]] lgIf]k 7,992,855

17,346,458 28,331,394
C0f ;fk6L -
- -

750,691 (528,384)
cfos/ cuf8Lsf] sf/f]jf/ ;+rfngaf6 v'b gub k|jfx (1,369,440) 7,673,183 14,102,023
cfos/ e'QmfgL (1,611,357)

(1,690,102) (1,915,604)
sf/f]jf/ ;+rfngaf6 gub k|jfx (2,980,796) 5,983,080 12,186,419
nufgL sf/f]jf/df gub k|jfx -

- -
nufgL vl/b (80,000)

(3,069,949) -
nufgL ljlqm 6,146,882

8,000 -
l:y/ ;DklQsf] vl/b (69,637)

(305,860) (229,944)
l:y/ ;DklQsf] ljqmL -

- 14,613
cd"t{ ;DklQsf] vl/b -

- (6,711)
nufgL ;DklQsf] vl/b -

- -
nufgL ;DklQsf] ljlqm -

- -
Jofh cfDbfgL -
- -
Nffef+z cfDbfgL 91,238

127,842 76,965
nufgL sf/f]jf/df ePsf] v'b gub 6,088,483 (3,239,967) (6,862,224)
ljlQo >f]t sf/f]jf/af6 gub k|jfx -

- -
C0fkq lgisfzgaf6 k|fKt -

- -
C0fkqdf vr{ (240,000)

(240,000) (60,000)
c;'/lIft bfloTjsf] lgisfzgaf6 k|fKt -

- -
c;'/lIft bfloTjdf ePsf] vr{ -

- -
23
z]o/ lgisfzgaf6 k|fKt -
- -
nfef+; vr{ (427,594)

(1,472,236) (903,026)
Jofh vr{ -
- (279)
cGo cfDbfgL vr{ (1,461,138)

(100,473) -
ljlQo >f]t sf/f]jf/af6 v'b gub (1,888,731) (1,812,708) (963,306)
gub k|jfxdf ePsf] v'b 36 ÷a9 1,218,955 930,405 4,360,889
gub tyf gub ;dfgdf /x]sf] z'?jftL df}Hbft 6,082,913

7,301,867 8,232,272
gub tyf gub ;dfgdf ljlgdo b/df ePsf] km/saf6 -
cfDbfgL÷vr{ - -
gub tyf gub ;dfgdf /x]sf] clGtd df}Hbft 7,301,867 8,232,272 12,593,161
-u_= cfly{s jif{ ;dfKt ePsf] ^ dlxgf kZrft\ ljj/0fkq :jLs[ltsf] nflu k]z u/]df pQm cGtl/d cjlwsf] nflu
cfGtl/s n]vfk/LIfsaf6 k|dfl0ft u/]sf] ckl/is[t ljQLo ljj/0fM
jf;nft k'; d;fGt @)&^

a}+}s -?=xhf/df_
ljj/0f
k'; d;fGt @)&^
;DklQ
g]kfn /fi6« a}+sdf /x]sf] df}Hhfb tyf lng' kg]{ /sd 6,548,633
a}+s tyf ljlQo ;+:yfdf u/]sf] nufgL -Kn]:d]G6_ 11,712,089
8]l/e]l6e -Jo"TkGg_ ljlQo pks/0f 8,707,750
cGo Jofkfl/s ;DklQx? 0
a}+s tyf ljlQo ;+:yfnfO{ lbPsf] shf{ tyf ;fk6L 6,330,082
nufgL 25,635,119
;xfos sDkgLsf] nufgL 78,000
;Dj¢ sDkgLdf nufgL 80,000
nufgL ;DklQ - Oge]i6d]G6 k|f]kl6{_ 8,219
u'8jLn -Voflt_ / cd[t ;DklQ 39,841
:yug s/ ;DklQ 0
cGo ;DklQ 491,084
hDdf ;DklQ 210,412,204
bfloTj
a]+s tyf ljlQo ;+:yfnfO{ ltg{ afsL“ 6,768,886
g]kfn /fi6« a}+snfO{ ltg{ afsL“ 940,097
8]l/e]l6e -Jo'TkGg_ ljlQo pks/0f 8,595,566
24
u|fxsaf6 lgIf]k bfloTj 164,324,532
;fk6L -
o; jif{sf] cfos/ bfloTj -
Joj:yfx? -
:yug s/ bfloTj 1,158,907

hf/L ul/Psf] C0fkq -
;'/If0f g/flvPsf] ;xfos cfjlws bfloTj -
s'n bfloTj 186,513,572
z]o/ k'“hL 10,097,497
z]o/ lk|ldod 74
;+lrt d'gfkmf 2,130,443
hu]8f sf]ifx? 11,670,618
z]o/wgLx?nfO{ jf“8kmf“8 of]Uo s'n OlSj6L 23,898,632
u}/ lgolGqt :jfy{ 0
s'n OlSj6L 23,898,632
s'n bfloTj / OlSj6L 210,412,204
gfkmf gf]S;fg lx;fjsf] ljj/0f -cf=j= @)&^÷&&_

ljj/0f a}+s -?= xhf/df_
cf=j= @)&^÷&& sf] cf=j=@)&^/&& bf]>f]
bf]>f] q}df;sf] q}df; ;Ddsf]
Jofh cfDbfgL 3,874,325 8,140,956
Jofh vr{ 2,341,240 4,689,270
v'b Jofh cfDbfgL 1,533,086 3,451,686
z'Ns tyf sldzg cfDbfg|L 285,150 733,713
z'Ns tyf sldzg vr{ -44,560 31,071
v'b z'Ns / sldzg cfDbfgL 329,709 702,642
v'b Jofh, z'Ns / sldzg cfDbfgL 1,862,795 4,154,327
v'b Jofkfl/s cfDbfgL 112,741 240,077
cGo ;+rfng cfDbfgL 136,306 227,768
hDdf ;++rfng cfDbfgL 2,111,842 4,622,172
shf{ hf]lvd Joj:yf÷-lkmtf{_ tyf cGo gf]S;fgL 51,036 112,399
v'b ;++rfng cfDbfgL 2,060,806 4,509,773
;+rfng vr{
sd{rf/L vr{ 483,609 1,074,696
cFGo ;+rfng vr{ 229,133 437,483
x|f; s6\6L / kl/if]f]wg 44,960 88,219
;+rfng d'gfkmf 1,303,103 2,909,375
u}/ ;+rfng cfDbfgL 0 1,412
u}/ ;+rfng gf]S;fg 57 2,617
25
cfos/ cl3sf] d'gfkmf 1,303,046 2,908,170
cfos/ vr{
rfn' s/ 384,772 866,309
:yug s/ - -
o; cjlwsf] d'gfkmf 918,274 2,041,861
gub k|jfx ljj/0f

ljj/0f @)&^ k';
sf/f]af/ ;~rfngaf6 gub k|jfx
Aofh cfDbfgL 8,023,143
z'Ns tyf cGo cfDbfgL 754,557

nfef+z -
cGo ;~rfng cfDbfgL 395,732
Aofh vr{ (4,683,633)
z'Ns tyf sldzg vr{ (31,071)
sd{rf/L vr{ (1,372,784)
cGo vr{ (440,100)

hDdf 2,645,843
rfn' ;DklQdf sdL÷-j[l4_ (Current Assets)

g]kfn /fi6« a}+sdf /x]sf] df}Hbft (356,805)
a}+s tyf ljQLo ;+:yfdf /x]sf] Placement (633,360)

cGo Jofkfl/s ;DklQ (Trading Assets) -
ljQLo ;+:yfnfO{ lbPsf] shf{ ;fk6L (274,333)
uf|xsnfO{ lbPsf] shf{ ;fk6L (13,853,242)
cGo ;DklQ 1,904,774
rfn' bfloTjdf sdL÷-j[l4_ (Current Liabilities)

a}+s tyf ljQLo ;+:yfnfO{ ltg{ afFsL
5,349,844
g]kfn /fi6« a}+snfO{ ltg{ afFsL 851,622
uf|xsaf6 k|fKt lgIf]k 1,370,533
;fk6L (Borrowing) -
cGo bfloTjx? 749,543
cfos/ vr{ cl3sf] v'b sf/f]af/ ;~rfngaf6 ePsf] gub k|jfx -2,245,582
cfos/ vr{ -801,784
sf/f]af/ ;~rfngaf6 ePsf] v'b gub k|jfx -s_ -3,047,366
nufgLaf6 ePsf] gub k|jfx
26
nufgL pks/0f (Investment Securites) vl/b 554,185
nufgL pks/0f (Investment Securites) lalqm -
l:y/ ;DklQ v/Lb (83,770)

l:y/ ;DklQ laqmL -
cef}lts ;DklQ (Intangible Assest) sf] v/Lb (5,932)

cef}lts ;DklQsf] laqmL -
cGo nufgL v/Lb (Investment property) -
cGo nufgL lalqm -
Aofh cfDbfgL -
nfef+z 73,525
v'b nufgLaf6 gub k|jfx -v_ 538,008
ljQLo sf/f]af/af6 ePsf] gub k|jfx

hf/L u/]sf] C0fkqaf6 k|fKt gub 0
C0fkqsf] e'QmfgL -
Subordinated bfloTjx?af6 k|fKt gub -
Subordinated bfloTjx?sf] e'QmfgL -
z]o/ lgisfzgaf6 k|fKt gub* -
nfef+z vr{ (1,711,611)

Aofh vr{ -
cGo cfDbfgL ÷ -vr{_ -
ljQLo sf/f]af/af6 ePsf] v'b gub k|jfx -1,711,611
gub tyf gub ;/xsf pks/0fdf ePsf] v'b j[l4 ÷-3l6_ -4,220,968
gub tyf gub ;/xsf] pks/0fsf] z'? Df}Hbft 12,479,698
gub tyf gub ;/xsf ;6xL 36a9sf] c;/ 8,258,729
gub tyf gub ;/xsf clGtd Df}Hbft 8,258,729
3_ cfDbfgL / vr{sf] lx;fadf s'g} zLif{sdf 7"nf] dfqfdf kl/jt{g ePdf To;sf] ljZn]if0ffTds sf/0f M ;f] gePsf]
-ª_ kl5Nnf] ljQLo ljj/0fsf] n]vfk/LIf0f eP kZrft\ ;+ul7t ;+:yfsf] sf/f]af/df,gfkmf gf]S;fg, ;DklQsf] d"No jf
cfufdL !@ dlxgfsf] bfloTj e'QmfgLdf c;/ kg]{ u/L s'g} cj:yf l;h{gf ePsf] 5÷5}g ;f] ;DaGwdf
;~rfnsx?sf] wf/0ff M
kl5Nnf] ljQLo ljj/0fsf] n]vfk/LIf0f eP kZrft\ ;+ul7t ;+:yfsf] sf/f]af/df, gfkmf gf]S;fg, ;DklQsf] d"No jf
cfufdL !@ dlxgfsf] bfloTj e'QmfgLdf c;/ kg]{ u/L s'g} cj:yf l;h{gf ePsf] 5}g .
-r_ cfly{s jif{ ;dfKt ePkl5 ljj/0fkq k]z u/]df, ljj/0fkq k]z u/]sf] ldltaf6 :jLs[lt x'g] ldlt ;Dddf
jf;nftsf] ldlt kl5sf] 36gfsf] af/]df 5'§} hfgsf/L ljj/0fkqdf ;dfj]z ug'{ kg]{M gePsf] .
-5_ ljut % jif{df ;DklQsf] k'gd"{NofFsg ul/Psf] 5÷5}g M 5}g
27
-h_ cfufdL tLg jif{sf] k|If]lkt jf;nft, gfkmf, gf]S;fg lx;fasf ;fy To;sf u0fgfsf cfwf/x?M
cfkm\gf] lb3{sflng /0fgLlt cg';f/ sDkgLn] cfkm}n] ljQLo ljj/0fx? tof/ u/]sf] xf] . /0fgLlt agfpFbf a}+sn]
z'Id ?kdf ahf/ / ;Defljt nIox?sf] cWoog u/]/ agfPsf] xf] . sDkgLsf] cfufdL # cfly{s jif{sf] nflu
k|If]lkt ljQLo l:ylt b]xfo adf]lhd /x]sf] 5 .
cfufdL tLg jif{sf] k|If]lkt jf;nft
a}+s ?= xhf/df
ljj/0f
cf=j= @)&^÷&& cf=j= @)&&÷&* cf=j= @)&*÷&(
;DklQ
gub tyf gub ;dfg 11,603,530 14,077,956 17,428,769
g]kfn /fi6« a}+sdf /x]sf] df}Hhfb tyf lng' kg]{ /sd 9,669,608 11,731,630 14,738,141
a}+s tyf ljlQo ;+:yfdf u/]sf] nufgL -Kn]:d]G6_ 12,206,787 13,671,602 15,312,194
8]l/e]l6e -Jo"TkGg_ ljlQo pks/0f 200,000 200,000 200,000
cGo Jofkfl/s ;DklQx? - - -
a]+s tyf ljlQo ;+:yfnfO{ lbPsf] shf{ tyf ;fk6L 6,577,444 8,024,482 9,789,868
u}fxsnfO{ lbPsf] shf{ tyf ;fk6L 157,443,256 191,039,162 231,825,438
nufgL 26,975,673 32,112,101 38,375,637
o; cf=j= sf] cfos/ ;DklQ 50,000 50,000 50,000
;xfos sDkgLsf] nufgL 78,000 78,000 78,000
;Dj¢ sDkgLdf nufgL 80,000 80,000 80,000
nufgL ;DklQ -Oge]i6d]G6 k|f]kl6{_ 8,219 8,219 8,219
;DklQ tyf pks/0f -l:y/ ;DklQ_ 1,406,992 1,625,594 1,700,475
u'8jLn -Voflt_ / cd[t{ ;DklQ 125,519 100,415 80,332
:yug s/ ;DklQ - - -
cGo ;DklQ 3,561,912 5,235,388 6,233,626
hDdf ;DklQ 229,986,941 278,034,547 335,900,699
bfloTj cf=a= @)&^÷&& cf=a @)&&÷&* cf=a @)&*÷&(

a]+s tyf ljlQo ;+:yfnfO{ ltg{ afsL“ 1,000,000 1,000,000 1,000,000
g]kfn /fi6« a}+snfO{ ltg{ afsL“ 1,392,538 1,892,538 2,192,538
8]l/e]l6e -Jo'TkGg_ ljlQo pks/0f - - -
u|fxsaf6 lgIf]k bfloTj 193,392,169 234,632,597 284,762,818
;fk6L - - -
o; jif{sf] cfos/ bfloTj - - -
Joj:yfx? - - -
:yug s/ bfloTj 944,954 944,954 944,954
cGo bfloTj 3,339,000 3,525,000 3,722,000
hf/L ul/Psf] C0fkq 2,000,000 2,000,000 2,000,000
;'/If0f g/flvPsf] ;xfos cfjlws bfloTj - - -
s'n bfloTj 202,068,661 243,995,089 294,622,311
k"“hL cf=a @)&^÷&& cf=a @)&&÷&* cf=a @)&*÷&(

z]o/ k'“hL 9,011,845 9,011,845 9,011,845
z]o/ lk|ldod 74 74 74
28
;+lrt d'gfkmf 7,260,728 11,602,977 16,820,585
hu]8f sf]ifx? 11,645,633 13,424,561 15,445,883
s'n OlSj6L 27,918,280 34,039,457 41,278,388
s'n bfloTj / OlSj6L 229,986,941 278,034,547 335,900,699
;+efljt bfloTj tyf k|ltj¢tf 50,907,034 55,791,550 61,144,734
k|lt z]o/ v'b ;DklQ 310 378 458
cfufdL tLg jif{sf] k|If]lkt gfkmf gf]S;fg lx;fjsf] ljj/0f

a}+s ?=xhf/df
ljj/0f
cf=a @)&^÷&& cf=a @)&&÷&* cf=a @)&*÷&(
Jofh cfDbfgL 17,727,837 21,525,760 25,561,298
Jofh vr{ 9,976,409 12,108,773 14,708,572
v'b Jofh cfDbfgL 7,751,428 9,416,986 10,852,725
z'Ns tyf sldzg cfDbfg|L 1,999,562 2,386,702 2,851,234
z'Ns tyf sldzg vr{ 346,692 388,295 434,890
v'b z'Ns / sldzg cfDbfgL 1,652,870 1,998,407 2,416,344
v'b Jofh, z'Ns / sldzg cfDbfgL 9,404,298 11,415,393 13,269,069
v'b Jofkfl/s cfDbfgL 502,763 593,261 700,047
cGo ;+rfng cfDbfgL 552,496 651,945 769,295
hDdf ;++rfng cfDbfgL 10,459,557 12,660,599 14,738,412
shf{ hf]lvd Joj:yf ÷-lkmtf{_ tyf cGo gf]S;fgL 93,986 349,026 424,872
v'b ;++rfng cfDbfgL 10,365,571 12,311,573 14,313,539
sd{rf/L vr{ 2,161,678 2,377,846 2,615,631
cFGo ;+rfng vr{ 867,708 989,824 1,129,037
x|f; s6\6L / kl/if]f]wg 186,597 212,720 242,501
;+rfng d'gfkmf 7,149,588 8,731,182 10,326,371
u}/ ;+rfng cfDbfgL 13,061 14,628 16,384
u}/ ;+rfng gf]S;fg 1,136 1,272 1,425
cfo s/ cl3sf] d'gfkmf 7,161,513 8,744,538 10,341,330
rfn' s/ 2,148,454 2,623,362 3,102,399
:yug s/ - - -
o; cjlwsf] d'gfkmf 5,013,059 6,121,177 7,238,931
gfkmf jf“8kmf“8 - - -
o; cjlwsf] d'gfkmf 5,013,059 6,121,177 7,238,931
cfwf/e't k|lt z]o/ cfDbfgL 56 68 80
8fOn'6]8 k|lt z]o/ cfDbfgL 56 68 80
k|If]lkt gfkmf gf]S;fg lx;fa / jf;nft tof/ ubf{sf] cfwf/x? M

ljj/0f 2076/77 2077/78 @)&*÷&(
!= s'n lgIf]kdf cf}ift a[l4b/ -k|ltztdf_ 21.28 21.32 21.37
@= s'n shf{ tyf ;fk6df cf}ift a[l4b/ -k|ltztdf_ 21.25 21.34 21.35
#= g]kfn /fi6« a}+ssf] PsLs[t lgb]{zgadf]lhd shf{ ;fk6 75.02 75.01 75.06
tyf ljn v/Lbsf] lgIf]k bfloTj;Fu cg'kft -k|ltztdf_
$= s'n cfodf cf}ift a[l4b/ -k|ltztdf_ 19.07 21.05 21.35
%= s'n vr{df cf}ift a[l4b/ -k|ltztdf_ 23.13 18.75 18.99
^= ;+rfng vr{ tyf s'n cfDbfgL cg'kft -k|ltztdf_ 15.46 14.22 13.34
&= v'b d'gfkmfdf cf}ift a[l4b/ -k|ltztdf_ 18.34 22.1 18.26
29
*= lgIf]ksf] cf}ift Aofhb/ -k|ltztdf_ 5.5 5.53 5.56
(= shf{ tyf ;fk6sf] cf}ift Aofhb/ -k|ltztdf_ 10.9 10.92 10.68
!)=cfos/ Joj:yf -k|ltztdf_ 30 30 30
!!= cGo ;+rfng vr{sf j[l4b/ -k|ltztdf_ 11.3 11.33 11.36
!@= sd{rf/L vr{df a[l4b/ -k|ltztdf_ 10 10 10
!#=clgjfo{ df}Hbft (CRR) -k|ltztdf_ 5.4 5.37 5.53
!$=j}wflgs t/ntf (SLR) -k|ltztdf_ 20.34 20.3 20.49
!%= k"FhLsf]if kof{Kttf (CAR) -k|ltztdf_ 14.28 14.25 14.17
dfly pNn]v ul/P adf]lhd tof/ ul/Psf] ljQLo ljj/0f tyf k|If]k0fsf] cg'dfg tyf cfwf/x? xfnsf] ljQLo
ahf/sf] l:ylt, lgisfzgstf{ sDkgLsf]] ljutsf aif{x?sf] sf/f]jf/sf] j[l4, efjL of]hgfx? Pjd\ zfvf ;+hfn
lj:tf/ ug{] /0fgLlt, xfnsf] bIftf / lgisfzgstf{ sDkgLn]] k|fKt u/]sf] xfn;Ddsf] sfo{ k|ultsf] cfwf/df
k'g/fjnf]sg u/L ljj/0f 7Ls 5 egL k|dfl0ft ug]{ ljz]if1 >L cf/=s]=P;f]l;P6|;sf rf6{8{ PsfpG6]G6\;\ l;=P= /ljg
s'df/ >]i7 /xg' ePsf] 5 . a}+sn] shf{ lgI]fk cg'kft, ;+rfng vr{ a[l4b/, lglZs|o shf{ k|ltzt ,clgjfo{ gub
df}Hbft, a}wfgLs t/ntf cg'kft tyf k"FhLsf]if cg'kftsf ;fy} g]kfn /fi6« a}+sn] tf]s]sf] dfkb08 cg'?k sfod
u/L ljQLo ljj/0fsf] k|If]k0f u/]sf] xf] .
u=(=v= ljQLo cg'kft ;DaGwL ljj/0f M

-s_ ;~rfng cjlw # jif{ JotLt e};s]sf] cj:yfdf ljut tLg jif{sf] / # aif{ JotLt e}g;s]sf] cj:yfdf ;~rfng
cjlwsf] tyf cfufdL # jif{sf] k|If]lkt k|lt z]o/ cfDbfgL (EPS) tyf k|lt z]o/ g]6jy{ lgDgfg';f/ 5 M
ljut # jif{sf] tyf cfufdL # jif{sf] k|lt z]o/ g]6jy{ k|lt z]o/ cfDbfgL M
jf:tljs k|If]lkt
ljj/0f
cf=a= cf=a= cf=a= cf=a= cf=a= cf=a=
)&#÷)&$ )&$÷)&% )&%÷)&^ )&^÷)&& )&&÷)&* )&*÷)&(
k|lt z]o/ g]6jy{ -?=_ 270 256 258.7 310 378 458
k|lt z]o/ cfDbfgL -?=_ 59.86 49.51 50.57 56 68 80
;+lrt gfkmf÷gf]S;fgL - 933,253 3,254,810 3,735,334
7,660,728 12,002,977 17,220,585
?= xhf/df_
ljut # jif{sf] / cfufdL # jif{sf] g]6jy{df ePsf] cf};t k|ltkmn M
jf:tljs -?= xhf/df_ k|If]lkt -?= xhf/df_**

ljj/0f
2073/74 2074/75 2075/76 2076/77 2077/78 2078/79
r'Qmf kF"hL 8,043,221 8,043,221 9,011,845 9,011,845 9,011,845 9,011,845
8,65,58,88 12,54,30,61 14,176,693
;+lrt d'gfkmf tyf hu]8f 18,906,435 25,027,612 32,266,542
18,33,84,96 20,59,05,92
s'n g]6jf]y{ 23,188,612 27,918,280 34,039,457 41,278,388
z]o/ ;+Vof 80,432 80,432 90,118 90,118 90,118 90,118
k|lt z]o/ g]6jf]y{ -?=_ 270 256 257.31 310 378 458
k|lt z]o/ r'Qmf k'FhL 100 100 100 100 100 100
g]6jf]y{df k|ltkmn -Ü_ 25% 19% 19% 18% 18% 18%
k|lt z]o/ cfDbfgL-?=_ 58 50 50.57 56 68 80
lgisfzgk"j{sf] k|lt z]o/ cfDbfgL (EPS) sfod /fVg j[l4 x'g] C0fkq hf/L kZrft\ o;n] g]6jy{df k|ToIf j[l4
30
g]6jy{df cfjZos Go"gtd k|ltkmn k|ltztdf gug]{
o; ljj/0fkqdf pNn]v ul/Psf ljQLo ljj/0f NFRS adf]lhd tof/ kfg]{ lj1df glan a}+s lnld6]8 cfkm}+ /x]sf] 5 /
o; ljj/0fkqdf pNn]v ul/P adf]lhd tof/ ul/Psf] ljQLo ljj/0f tyf k|If]k0fsf] cg'dfg tyf cfwf/x? k'g/fjnf]sg
u/L ;f] cfwf/df tof/ ljQLo k|If]k0fsf ljj/0f oyf{yk/s /x]sf] egL k|dfl0ft ug]{ ljz]if1 >L cf/=s]=P;f]l;P6|;sf
rf6{8{ PsfpG6]G6\;\ l;=P= /ljg s'df/ >]i7 /xg' ePsf] 5 .
v_ ljut tLg jif{sf] g]6jy{df ePsf] cf}ift k|ltkmnM @! k|ltzt
u= !) lwtf]kq lgisfzg ;DaGwL ljj/0fM

u=!) s= lwtf]kq hf/L ug'{sf] p2]Zo M
o; ljj/0fkq dfkm{t lgisfzg ug{ nfluPsf] æ!)Ü glan l8a]Gr/ @)*@Æ lgisfzgsf] d"Vo p2]Zo a}+ssf] Joj;fo
j[l4sf] nflu /x]sf] 5 / o;sf] nflu yk k"/s k"FhLsf] cfjZostf k/]sf] x'Fbf k"FhLsf nflu l8a]Gr/ hf/L ul/Psf] 5 .
u=!)= -v_ lwtf]kq lgisfzgaf6 k|fKt k"FhLsf] pkof]uM

-s_ lgisfzgaf6 k|fKt x'g] s'n /sdnfO{ s;/L / s'g If]qdf k|of]u ul/g] 5 tT;DaGwL ljj/0fM+
o; lgisfzg af6 k|fKt x'g] /sdnfO{ g]kfn /fi6« a+}ssf] tyf sDkgLsf] cfGtl/s lgltsf] clwgdf /xL shf{
nufgL la:tf/sf] nflu pkof]u ul/g]5 . C0fkq lgisfzg u/L k|fKt x'g] k"FhL sDkgL P]g, g]kfn /fi6« a}+s P]g
tyf cGo k|rlnt sfg"gsf] clwgdf /xL a}+ssf] Joj;flos k|of]hgdf pkof]u ul/g]5 . C0fkq hf/L u/L k|fKt
x'g] C0f kF"hLsf] pkof]u ;DaGwdf b]xfo cg';f/ pNn]v ul/Psf] 5 M shf{ tyf ;fk6– ?= !,^),)),)),))) -
*)Ü_, nufgL – ?= @),)),)),))) -!)Ü_, zfvf lj:tf/– ?= !@,)),)),))) -^Ü_, cGo – ?= *,)),)),)))
-$Ü_
-v_ ;fj{hlgs lgisfzg ul/g] lwtf]kq k"0f{ ?kdf laqmL gePdf ;fj{hlgs lgisfzgsf] nflu p2]Zo k|fKt ug{sf] nflu
ckgfOg] a}slNks Joj:yfM
;fj{hlgs lgisfzg ul/g] lwtf]kq k"0f{?kdf laqmL gePdf ;fj{hlgs lgisfzgsf] p2]Zo k|flKt ug{sf nflu
AolQmut tj/af6 laqmL ul/g]5 .
-u_ cfof]hgfsf] ;~rfng :yfg, cfof]hgf r/0fa4 ?kdf sfof{Gjog ul/g] eP k|To]s r/0fdf nfUg] vr{, s'g} r/0f
;dfKt e};s]sf] eP ;f] ;DaGwL ljj/0f pNn]v ug'{ kg]{M ;f] gePsf] .
-3_ cfof]hgf ;DkGg x'g], k/LIf0f pTkfbg z'? x'g] / k"0f{ Jofj;flos pTkfbg z'? x'g] cg'dflgt ldlt pNn]v ug'{kg]{ M
nfu" gx'g] .
-ª_ ;+ul7t ;+:yfn] s'g} pks/0f vl/b u/]sf] jf ug{ nfu]sf] eP pQm pks/0fsf] d"No jf k|:tfljt d"No, ;Knfo;{sf
gfd / ;Knfo;{;Fu ;Demf}tf ePsf] eP ;f] sf] d"Vo d"Vo a'Fbfx? M nfu" gx'g] .
-r_ s'g} kf6L{;Fu k|ltlnlk clwsf/, 6«]8dfs{, Ohfhtkq, /f]oN6L, ;xsfo{ ;DaGwdf jf ljQLo jf k|fljlws ;Demf}tf
ul/Psf] eP ;f] sf] k|d'v zt{x? / kf6L{sf] gfd, 7]ufgf ;DaGwL lj:t[t ljj/0f M ;Demf}tf gul/Psf] .
-5_ pTkfbg ;DaGwL cfof]hgf eP ;f] sf] k|s[lt, k|of]ustf{, k|lt:kwf{, nlIft ;d"x, pTkfbg Ifdtf, ljut jif{x?sf]
Ifdtf pkef]u jf eljiodf ul/g] Ifdtf pkef]u ;DaGwL ljj/0f M ;f] gePsf]
-h_ cfof]hgfsf] nflu cfjZos sRrf kbfy{sf] pknAwtf / To;sf] >f]t M nfu" gx'g] .
-em_ cfof]hgsf] nflu cfjZos x'g] ljB't,kfgL,UoFf;sf] dfqf / To;sf] >f]t M nfu" gx'g] .
-`_ ;fj{hlgs lgisfzgsf] nflu ul/g] vr{ k|d'v ?kdf b]xfodf pNn]lvt kIfx?nfO{ lbg] z'Nsx? 5'§f5'§} ?kdf k|:t't
ug'{kg]{ .
-c_ lgisfzg tyf laqmL k|aGws M o; ljj/0fkq dfkm{t ;fj{hlgs ?kn] ;j{;fwf/0fdf laqmL ul/g] C0fkqsf]
lgisfzg tyf laqmL k|aGws ;DaGwL sfo{sf nflu lgo'Qm nIdL Soflk6n dfs]{6 lnld6]8, gofFafg]Zj/, sf7df8f}+nfO{
pQm ;]jf k|bfg u/] afkt Psd'i7 ?= %,%),)))÷– -?= kfFr nfv krf; xhf/ dfq_ ;]jf z'Nssf] ?kdf lbOg]5 .
31
-cf_ 6«li6 -l8j]Gr/÷a08 lgisfzgsf] xsdf_ M l8a]Gr/ 6«li6sf] ;]jf k|bfg u/] jfkt nIdL Soflk6n dfs]{6 lnld6]8,
gofF afg]Zj/, sf7df8f}+nfO{ jflif{s ?= @),)))÷– ;]jf z'Nssf] ?kdf lbOg]5 .
O{_ qm]l86 /]l6ª z'Ns M
 Oqmf g]kfn lnld6]8 4f/f o; C0fkqsf] /]l6Ë ul/Psf] xf] .
 Oqmf g]kfn lnld6]8nfO{ C0fkq lgisf;gsf] nflu qm]l86 /]l6ª ;]jf k|bfg u/] jfkt Psd'i7 VAT afx]s ?=
!!,)),)))÷– / k|To]s jif{ C0fkq cjlw;Ddsf nflu jflif{s ;]jf z'Nssf] ?kdf VAT afx]s ?= @)),)))÷–
sf b/n] e'QmfgL lbOg]5 .
-O_ k|Tofe"ltstf{ M ;f] gePsf] .
-pm_ lj1x? M
o; ljj/0fkqdf pNn]v ul/Psf] ljQLo ljj/0f tof/ kfg]{ lj1df glan a}+s lnld6]8 cfkm}+ /x] sf] 5 . o;
ljj/0fkqdf pNn]v ul/P adf]lhd tof/ ul/Psf] ljQLo ljj/0f tyf k|If]k0fsf] cg'dfg tyf cfwf/x?
k'g/fjnf]sg u/L ;f] cfwf/df tof/ ljQLo k|If]k0fsf ljj/0f oyf{yk/s /x]sf] egL k|dfl0ft ug]{ ljz]if1 >L
cf/=s]= Pzf]l;P6\;sf rf6{8{ PsfpG6]G6\ l;=P= >L /ljg s'df/ >]i7 /xg' ePsf] 5 .
-p_ n]vfkl/Ifs M
o; a}+ssf] cf=j= @)&%÷&^ sf] n]vfkl/If0f sfo{ hf]zL P08 e08f/L rf6{8{ PsfpG6]06\;n] u/]sf] xf] .
-P_ cGo M C0fkqwgLx?nfO{ C0fkq DMAT vftfdf hDdf ul/lbg] Joj:yf ul/Psf] 5 .
u=!)=-u_ ;fj{hlgs lgisfzgaf6 k|fKt x'g] /sdnfO{ kl/of]hgfdf k|of]u ug'{ k"j{ cGo s'g} Joj:yf ug{ nfluPsf] 5
eg] tT;DaGwL ljj/0f M ;f] gePsf] .
u=!)=-3_ lk|ldoddf lwtf]kq hf/L ug]{ ePdf M C0fkqsf] d"Nodf lk|ldod yk ul/Psf] 5}g .
u=!)=-ª_ l8a]Gr/ afF8kmfF8,lkmtf{ e'QmfgL tyf ;"rLs/0f ;DaGwL ljj/0f M

-s_ cTolws dfu jf Go"g dfu ePsf] cj:yfdf afF8kmFf8sf] k|s[of M
o; ljj/0fkq dfkm{t hf/L ul/Psf] C0fkq hf/L ;+Vof eGbf a9L ;+Vofdf C0fkq vl/bsf] nflu b/ vf:t k|fKt
x'g cfPdf g]kfn lwtf]kq af]8{sf] k|rlnt lwtf]kq lgisfzg tyf aFf8kmFf8 lgb]{lzsf, @)&$ df ePsf] Joj:yf
cg';f/ C0fkq afF8kmFf8 ul/g]5 / o; ;DaGwL ;"rgf /fli6«o :t/sf] b}lgs klqsfdf k|sflzt ul/g]5 . olb
lgisfzg ul/Psf] C0fkqsf] ;+Vof eGbf sd C0fkq vl/bsf] nflu b/vf:t k|fKt x'g cfPdf g]kfn lwtf]kq
af]8{sf] k|rlnt Joj:yf tyf lgb]{zg adf]lhd ;~rfns ;ldltn] lg0f{o u/L laqmL ljt/0f tyf afF8kmfF8 ul/g]5 .
-v_ cTolws dfu ePsf] jf afF8kmfF8 gePsf] cj:yfdf lkmtf{ e'QmfgL ;DaGwL Joj:yf M
ælwtf]kq v/Lb -;fj{hlgs lgisfzg_ ;DaGwL lgb]{lzsf, @) cg'?k l;–cf:af (C-ASBA) ;b:o a}+s tyf ljQLo
;+:yfaf6 dfq cfj]bg lbg ;Sg]5g / cfj]bsx?sf] ;DjlGwt a}+s tyf ljQLo ;+:yfn] g} afF8kmfF8df gkg]{
nufgLstf{sf] l8a]Gr/ v/Lbsf] cfj]bg adf]lhd /f]Ssf /fv]sf] vftfsf] /sd dfq /f]Ssf km's'jf ul/lbg]5 .
-u_ lgj]bg ;fy k|fKt /sdsf] lkmtf{ e'QmfgLdf l9nfO{ ePdf lbOg] Jofhb/ M
pk/f]Qm Aoj:yf l;–cf:af (C-ASBA) ;b:o a}+s tyf ljQLo ;+:yfaf6 cfj]bg lbg] cfj]bsx?sf] xsdf nfu' x'g]
5}g .
-3_ lwtf]kq jfF8kmFf6 tyf k|df0fkq hf/L ;DjGwL k|s[of / ;dofjlw M
lgisfzg ul/g] lwtf]kq k|rlnt lwtf]kq lgisf;g lgb]{lzsf, tyf k|rlnt z]o/ afF8kmfF6 ;DjGwL Joj:yf cg';f/
l8a]Gr/sf] afF8kmfF6 u/L tf]lsPsf] ;dofjlw leq l8Dof6 vftfdf hDdf ul/g]5 .
-ª_ lwtf]kq ;"rLs/0f eO{ ;s]sf] eP,To:tf] lwtf]kq ;"lrs/0f ul/Psf] lwtf]kq ahf/sf] gfd / lwtf] kqsf] sf/f]jf/
z'? x'gsf] nflu ;+ul7t ;+:yfn] k"/f ug{'kg]{ zt{x? ;DjGwL ljj/0f M
o; a}ssf] z]o/ ldlt 2050/4/3 b]lv g]kfn :6s PS;r]Gh lnld6]8df ;"rLs/0f eO{ sf/f]jf/ eO/x]sf] 5 .
-r_ lwtf]kq ;"rLs/0f e}g;s]sf] eP,;+ul7t ;+:yfn] lgisfzg tyf laqmL ul/g] lwtf]kq k|rlnt P]g lgod cg';f/
;xh v/Lb, laqmL jf ljlgdo x'g ;Sg] u/fpgsf nflu ul/g] Joj:yf ;DjGwL ljj/0f M
32
o; ljj/0fkq cg';f/ hf/L ul/Psf] C0fkqx? lwtf]kq lgisfzg tyf afF8kmfF8 lgb{]lzsf, @)&$ df ePsf]
Joj:yf cg';f/ g]kfn :6s PS;r]Gh lnld6]8df k|rlnt ;"lrs/0f ;DaGwL Joj:yf cg';f/ ;"lrs/0f tyf
l;l8P; P08 lSnol/Ë lnld6]8df lwtf]kq btf{ u/fO{ l8a]Gr/ vl/b ljlqmsf] Joj:yf ldnfO{g]5 .
u=!)=-r_ C0fkq k|Tofe"lt ;DaGwL ljj/0f M o; ljj/0fkq dfkm{t lgisfzg ul/Psf] C0fkqx?df k|Tofe'lt ul/Psf]
5}g .
u=!)=-5_ cfj]bg lbFbf Wofg lbg'kg]{ s'/fx? M

JolQmut tj/ (Private Placement) sf] xsdfM
-s_ lgisfzg ul/g] l8a]Gr/ ;ft jif{ cjlw tyf jflif{s !) k|ltzt Jofhb/ ePsf] k|lt l8a]Gr/ ?= !,)))÷—
c+lst d"Nosf !@ nfv lsQf l8a]Gr/n] x'g cfpg] s'n ?= ! ca{ @) s/f]8 C0fk"FhL /sd ljleGg JolQm jf
;+3 ;+:yfx?nfO{ JolQmut tj/ (Private Placement) af6 laqmL ul/g] .
-v_ lng'kg]{ Go"gtd l8a]Gr/ ;+Vof / b/vf:t ;fy k7fpg' kg]{ k]ZsL /sdM o; ljj/0f dfkm{t lgisfzg ul/g]
l8a]Gr/ vl/bsf nflu b/vf:t lbFbf b/vf:tjfnfn] sDtLdf @% / ;f] eGbf a9Lsf nflu cfj]bg ug{ rfx]df
! cÍn] efu hfg] ;+Vofdf b/vf:t;fy cfkm"n] vl/b ug{ rfx]sf] C0fkq ;+Vofsf] k|lt C0fkq jfkt
?= !,)))÷—sf b/n] x'g cfpg] Psd'i6 /sd o; a+}ssf] ;Dk"0f{ zfvf sfof{nox? tyf laqmL k|aGws >L
nIdL Soflk6n dfs]{6 lnld6]8df hDdf u/L cfj]bg lbg ;Sg]5g\ .
-u_ l8a]~r/ laqmL v'Nnf cjlw M o; lgisfzg JolQmut tj/af6 ul/g] ePsf]n] lwtf]kq af]8{af6 :jLs[lt
kZrft v'Nnf x'g]5 / ;fj{hlgs lgisfzg ;+u} aGb x'g]5 .
-3_ l8a]~r/ vl/bsf nflu k'0f{ cfj]bg k|fKt geO{ afFsL /xg uPsf l8a]Gr/x?sf] ljs|L ug]{ ;DaGwL Joj:yf M
l8a]Gr/ vl/b v'Nnf cjlwdf ;Dk"0f{ l8a]Gr/ laqmL geO{ afFsL /xg uPdf To;/L afFsL /xg uPsf
l8a]Gr/x?sf] ;DaGwdf ;fj{hlgs lgisfzg -Public Issue_ dfkm{t laqmL ul/g]5 .
-ª_ l8a]~r/ vl/b ug{ rfxg] cfj]bsx?n] kfngf ug{‘kg{] d'Vo s'/fx?M
!= s'g}klg g]kfnL ;+3 ;+:yfn] o; ljj/0f cg';f/ hf/L ul/g] C0fkq vl/b ug{ cfj]bg lbg ;Sg]5g\ . cfj]bsn]
cfkm'n] lng rfx]sf] C0fkq, clwstd l;df v'Ng] ul/ olx a}+ssf] laqmL k|jGwsnfO{ lnlvt ?kdf lgj]bg k]z
ug'{kg]{ 5 .
@= cfj]bg lbFbf cfkm'n] vl/b ug{ rfx]sf] C0fkq ;+Vof / To;sf] /sd v'nfO{ cfj]bg lbg'kg]{5 .
#= cfj]bg kmf/d g]kfnL jf c+u|]hL s'g} Ps efiffdf k]z ug'{kg]{5 .
$= cfj]bsn] cfj]bg;fy cfkm'n] vl/b ug{ rfx]sf] C0fkq ;+Vofsf] k|lt C0fkq ?= !,)))÷ — sf] b/n] x'g cfpg]
/sd nIdL Soflk6n dfs]{6 lnld6]8 gfddf lvlrPsf] a}+s 8«fˆ6 ;+nUgePsf] x'g'kg]{5 . o;/L a}+s 8«fˆ6÷r]s
dfkm{t /sd a'´fpg' x'g] cfj]bsx?n] cfj]bgdf ;f] 8«fˆ6sf] gDa/ / 8«fˆ6sf] k5fl8 cfj]bssf] gfd clgjfo{
?kdf v'nfpg' kg]{5 . o;sf] cnfjf, lgj]bsn] g]kfn nIdL Soflk6n dfs]{6 lnld6]8 jf a}s+sf] gfddf A/C
Transfer u/L Credit Advice lgj]bgsf] ;fydf ;+nUg klg ug{ ;Sg] 5 .
%= sDkgL jf ;+:yfn] C0fkqsf nflu cfj]bg lbFbf sDkgL jf ;+:yfsf] btf{ k|df0fkqsf] k|ltlnlk / nufgL ug]{
;DaGwdf ;+rfns ;ldltsf] lg0f{o ;dfj]z u/]sf] x'g'kg]{5 .
^= ?=!),)),)))÷– ;Ddsf] nflu cfj]bg lbg] cfj]bsn] :j]lR5s ?kdf / ;f]eGbf a9L /sdsf] nflu cfj]bg
lbg] cfj]bsn] clgjfo{ ?kdf cfj]bgdf cfkm\gf] :yfoL n]vf gDa/ (PAN) v'nfpg' kg]{5 . o; cltl/Qm ?=
!),)),)))÷– jf ;f] eGbf a9L /sd cfj]bg lbg] cfj]bsx?n] cfkm"n] cfj]bg lbFbf hDdf u/]sf] /sd ;DklQ
z'4Ls/0f P]gsf] alv{nfk x'g] u/L cfh{g gu/]sf] egL pb\3f]if0f ug'{kg]{5 .
;j{;fwf/0fsf] xsdf M
!_ o; ljj/0f–kq cg';f/ lgisfzg ul/Psf] C0fkq v/Lbsf] nflu cfj]bg u/L C0fkq afF8kmfF8 eP kZrft\
sfod C0fkqwgLx?n] a}+ssf] ;fwf/0f ;efdf efu lng / dtbfg ug{ kfpg] 5}gg\ . o; ljj/0f–kq cg';f/
hf/L ul/Psf] l8a]Gr/ lwtf]kq btf{ tyf lgisfzg lgodfjnL @)&# df ePsf] Joj:yf ePsf]cg';f/ afF8kmfF8
u/L tf]lsPsf] cjlw leq Demat u/L g]kfn :6s PS;r]Gh lnld6]8, l;+xb/jf/ Knfhf, sf7df08f}df
;"rLs/0f ;DaGwL lgod adf]lhd ;"rLs/0f u/fO{ vl/b laqmLsf] Joj:yf ldnfO{g] 5 .
@_ sfof{no ;do leq lgDg lnlvt :yfgx?df sDkgLsf] k|aGwkq tyf lgodfjnL tyf ljj/0f kq lg/LIf0f ug{
;lsg]5 . sDkgLsf] /lhi68{ sfof{no, sdnfbL, sf7df08f}+ . lwtf]kq lgisfzg tyf laqmL k|jGws nIdL
Soflk6n dfs]{6 lnld6]8, sdnfbL, sf7df08f}+ .
33
#_ s'g} klg g]kfnL gful/sn] :jLs[t ljj/0fkq dfkm{t hf/L ul/g] C0fkq vl/b ug{sf] nflu b/vf:t lbg
rfxg]x?n] g]kfnlwtf]kq af]8{af6 cg'dlt lnO{ lwtf]kqsf] ;fj{hlgs lgisfzgsf] s]lGb|s[t ljB'tLo ;]jf
;DaGwL sfo{ ;~rfng lgb]{lzsf, @)&$ adf]lhd ;fj{hlgs lgisfzgdf Centralized Application for ASBA
Based Issuance (CASBA) k|0ffnL dfkm{t cfj]bg ;+sng ug{ cfjå cf:jf ;]jfdf ;xeflu a}+s tyf ljlQo
;+:yf tyf ltgsf zfvf sfof{noaf6 cfj]bg lbg ;Sg]5g\ . o;/L cfj]bg lng ;Sg] a}+s tyf ljlQo ;+:yfsf]
ljj/0f l;l8P; P08 lSnol/Ë lnld6]8n] cfˆgf] j]j ;fO6 www.cdscnp.com df Registered Banks in C-
ASBAcGt{ut pNn]v u/]sf] 5 . b/vf:tjfnfn] l8a]Gr/ vl/bsf nflu b/vf:t lb+bf …lwtf]kq lgisfzg tyf
afF8kmfF6 lgb]{lzsf, @)&$ sf] bkmf @$ df pNn]v eP adf]lhd b]xfosf ljj/0fx? :ki6 ?kdf b/vf:t
cfj]bg lbg' kg]{5 .
+
s_ cfj]bg kmf/fddf cfj]bssf] gfd y/ g]kfnL÷c+u|]hLdf pNn]v ul/g' kg]{5 .
v_ cfj]bg lb+bf l8a]Gr/ hf/L ug]{ sDkgLsf] gfd, cfj]bg ul/Psf] ;+Vof, /sd :ki6 a'lemg] u/L pNn]v ug{'
tyf PseGbf al9 cfj]bg lbg kfpg] 5}g .
u_ cfkm\gf] a}+s vftf / lxtu|fxL vftf gDa/ ;lx÷:ki6 ?kdf pNn]v ug'{kg]{5 .
3_ cfj]bsn] cfkm' :jo+sf] lxtu|fxL vftf gDa/ pNn]v ug'{kg]{5 .
ª_ cfj]bg u/]sf] lg:;f÷k|df0f, ;DaGwLt ;+sng s]Gb| -cf:jf ;b:o a}+s tyf ljQLo ;+:yf_ ;Fu clgjfo{
lng'kg]{ 5 .
r_ Ps JolQmn] cfk"mn] lng rfx]sf] ;Dk"0f{ z]o/sf] nflu Ps j6f dfq cfj]bg u/]sf] x'g'kg]{, olb Ps} JolQmn]
Ps eGbf a9L cfj]bg lbPsf] e]l6Pdf lghn] lbPsf] ;a} cfj]bgnfO{ /2 ul/g]5 .
5_ /m= !) nfv;Dd cfj]bg lbg] cfj]bsn] :j]lR5fs ?kdf Kofg g+ pNn]v ug'{ kg]{5 .
h_ ;Dk"0f{ b/vf:tjfnfx? -gfafnsx? ;d]t_ n] clgjfo{ ?kdf cfk\mgf] vftf /x]sf] a}+s jf ljQLo ;+:yfsf]
gfd, 7]ufgf / vftf g+= ;d]t b/vf:t kmf/fddf v'nfpg' kg]{5 . o;/L v'nfOPsf] a}+s tyf ljQLo ;+:yf
;dfzf]wg u[xsf] -lSnol/Ë xfp;_ ;b:o ePsf] x'g' kg]{5 .
em_ l/tk"j{s k|fKt gePsf] b/vf:t kmf/dnfO{ z]o/ afF8kmfF6df ;dfj]z ul/g] 5}g / ;f] sf] lhDd]jf/
b/vf:tjfnf :jo+ x'g]5 .
$= cf:jf ;]jfdf ;xeflu a}+s tyf ljlQo ;+:yfn] C-ASBA cGt{ut lng] cfj]bgsf] 9fFrf lwtf]kqsf] ;fj{hlgs
lgisfzgsf] s]lGb|s[t ljB'tLo ;]jf ;DaGwL sfo{ ;+rfng lgb]{lzsf, @)&$ sf] cg';"rL % adf]lhd x'g'kg]{5 .
%= lwtf]kq vl/bsf] nflu b/vf:t lb+bfsf] cj:yfdf jf b/vf:t lbO{ ;s]kl5 vl/b u/]sf] lwtf]kq afktsf] /sd
e'QmfgL gx'+b} k|rlnt sfg'g adf]lhd clwsf/k|fKt clwsf/L jf lgsfoaf6 nufgLstf{sf] vftf /f]Ssf /fVg]
cfb]z k|fKt ePdf lgisfzg tyf ljlqm k|aGwsn] To:tf] b/vf:t kmf/fdnfO{ /2 ul/g] x'Fbf ;f] s'/fsf]
hfgsf/L cfj]bsn] lngx'g .
^= o:tf] C0fkqsf nflu cfj]bg lb+bf cfkm'n] vl/b ug{ rfx]sf] k|lt C0fkq jfkt ?= !,))).— -Ps xhf/_ sf
b/n] x'gcfpg] Psd'i7 /sd b/vf:t;fy a'emfpg' kg]{5 .o; ljj/0fkq dfkm{t lgisfzg ul/g] C0fkq
vl/bsf nflu b/vf:t lbFbf b/vf:tjfnfn] Go"gtd @% -kRrL;_ lsQf / Go"gtd @% -kRrL;_ lsQf eGbf
a9L C0fkq vl/b ug{sf nflu ! c+ssf] u'0ffÍdf clwstd ;Dk"0f{ lsQfsf C0fkq vl/b ug{sf nflu b/vf:t
lbg ;lsg]5 .
u= !! ;DalGwt kIf aLrsf] sf/f]af/ ;DaGwL ljj/0f M
lgisfzgstf{ ;+ul7t ;+:yf / lgDg lnlvt kIf aLr ljut @ jif{sf] cjlwdf s'g} k|sf/sf] j:t'ut sf/f]jf/
ePsf] jf s'g} sf/f]jf/ug{ k|:tfj ul/Psf] eP sf/f]jf/df ;+nUg JolQmx?sf] gfd, ltgLx?sf] ;+ul7t ;+:yf ;Fusf]
;DaGw, sf/f]af/sf] k|s[lt / /sd
s_ ;+ul7t ;+:yfsf] sfo{sf/L clws[t jf ;~rfnssf] ?kdf /x]sf] JolQm M sf/f]jf/ gePsf] .
v_ cfwf/e"t z]o/wgL M sf/f]af/ gePsf] .

u_ v08 -s_ / -v_ df pNn]lvt s'g} JolQmsf] Psf3/ kl/jf/ ;b:o M sf/f]af/ gePsf] .
3_ ;+ul7t ;+:yfsf] sfo{sf/L clws[t jf ;~rfns jf cfwf/e"t z]o/wgLn] #) k|ltzt jf ;f] eGbf a9L
dtflwsf/ x'g]u/L z]o/ :jfldTj u|x0f u/]sf] sDkgL jf ;+ul7t ;+:yfM ;f] gePsf] .
ª_ ;+ul7t ;+:yf jf To;sf] ;xfos sDkgLn] xfnsf] ;~rfns jf lghsf] Psf3/sf] kl/jf/sf] ;b:osf nflu
s'g}sf/f]jf/ jf ;Demf}tf u/]sf] 5 eg] ;f] jf ljj/0fkq k|sfzg ug'{ eGbf # jif{ cufl8sf] cjlwdf ;+:yfsf]
34
;~rfns jf;~rfnssf] Psf3/ kl/jf/sf] ;b:osf nflu s'g} sf/f]af/ jf ;Demf}tf u/]sf] eP ;f] s'/f M ;f]
gePsf] .
r_ s'g} ;~rfns jf ;~rfnssf] Psf3/ kl/jf/sf] ;b:onfO{ s'g} C0f lbPsf] jf lgh;Fu lnPsf] eP pQm C0f
e'QmfgL cjlw cflb s'/f ljj/0fkqdf v'nfpg' kg]{ M ;f] gePsf] .
u=!@ ljb]zL nufgL / Joj:yfkg ;DaGwL ljj/0f M

s_ ljb]zL nufgL / Joj:yfkgdf ;+ul7t ;+:yf ;~rfng x'g] eP ;f] sf] ljj/0fsf ;fy} ;DalGwt ;Demf}tfsf]
d'Vo tyf tflTjs a'Fbfx? M ljb]zL nufgL / Joj:yfkgdf ;+ul7t ;+:yf ;~rfng gx'g] .
u= !# ;"rLs[t ;+ul7t ;+:yfn] ;fj{hlgslgisfzgug]{ ePdf ;f] sf] ljj/0f M

s_ ;+ul7t ;+:yfsf] ljut # cfly{s jif{sf] k|To]s q}dfl;scjlwsf] pRrtd, Go"gtd, clGtdahf/ d"Nosf ;fy}
sf/f]jf/ ePsf] z]o/ ;+Vof M
clwstd z]o/ Go"gtd z]o/ clGtd z]]o/
cfly{s jif{ d"No -?=_ d"No -?=_ d"No -?=_ z]o/ sf/]af/ z]o/ ;+Vof
2073/74
klxnf] q}dfl;s @%$* !^*% !&*) %*!,!@@
bf];|f] q}dfl;s !*)) !$@! !%^) @*^,))&
t];|f] q}dfl;s !&!^ !@&% !^!% #&#,#&(
rf}yf] q}dfl;s !^%) !$#^ !%@# @$#,*%@
2074/75
klxnf] q}dfl;s !*!) !!&) !@&# %^$,(!%

bf];|f] q}dfl;s !@*% !)!% !)^% #($,##@
t];|f] q}dfl;s !!#) *** (*( *)^,(#%
rf}yf] q}dfl;s !)*! ()# (@! $#),@@&
2075/76
klxnf] q}dfl;s (*$ *($ (%# %!&)%!
bf];|f] q}dfl;s (&) *#) *#^ @^@)%)
t];|f] q}dfl;s *%* ^&* &#^ $*)!^$
rf}yf] q}dfl;s ()) &#^ *)) %%@)@%
2076/77
klxnf] q}dfl;s *@) &$@ &^) ^)()^(

bf];|f] q}dfl;s &*) ^^) &#) (@#*%!
v_ af]8{df ljj/0fkq btf{sf] nflu k|:t'tug'{ eGbf ^ dlxgf cufl8sf] cjlwsf] dfl;s ?kdf pRr, Go"g / clGtd
d"Nosf ;fy} k|To]s dlxgfdf sf/f]jf/ ePsf] s'n lbg / s'n sf/f]af/ ePsf] lwtf]kq ;+Vof M
s'nsf/f]af/ ePsf]
dlxgf pRrd"No ?= Go"gd"No ?= clGtdd"No ?= s'nlbg lwtf]kq ;+Vof
ebf} &(@ &$@ &%) @# @!%@#)

c;f]h &*$ &%! &^) !& !)^()^
sflQs &*) &$( &$( !^ !()%%@
d+l;/ &^) &@# &#& @@ @*(^%!
k'; &^@ ^^) &#) @! $$#^$*
df3 &*) &)^ &@@ @! $#!^(!
35
u=!$ kl5Nnf] ;fj{hlgs lgisfzgsf] cg'dfg tyf pknlAw ;DaGwL ljj/0f M
;+ul7t ;+:yfn] o;eGbf cuf8L lwtf]kq lgisfzg ubf{ tof/ u/]sf] ljj/0fkq jf cGo ljj/0fdf pNn]v ul/Psf
nIotyf sfo{qmdx? tyf v'b d'gfkmf xfl;n ug{ ;s]÷g;s]sf], g;s]sf] cj:yfdf nIo tyf sfo{qmdsf ;fy}
ljj/0fkq jf cGo ljj/0fx?df k|If]lkt v'b d'gfkmf eGbf aL; k|ltzt jf ;f] eGbf a9Ln] Go'g x'g uPsf] eP
o;/L km/s kgf{sf] sf/0f M
k|If]lkt jf:tljs
2067/6 2067/6 km/s
ljj/0f? bz nfvdf
8 8 k|ltzt sf/0f
s'n cfDbfgL 3900 6,002 35
Aofh cfDbfgL 3256 5,254

38 shf{ tyf nufgL j[l4 eO{ ;f] sf] Jofh j[l4 ePsf] .
sldzg, z'Ns tyf cGo 373 291
sldzg tyf cGo ;+rfng cfDbfgL aLrdf k'g{juL{s/0f
cfDbfgL -28 ePsf] .
;6xL 36a9af6•÷ cGo 271 457
cfDbfgL 41
s'n vr{ 2060 3,811 46
Aofh vr{ 1397 2,955 53
C0fkq Aofh 26 26 0
sd{rf/L vr{ 354 454 22 sd{rf/L yk ePsf]n] vr{ a9L ePsf] .
cGo ;~rfng vr{ 283 401 29 zfvf yk ePsf]n] vr{ a9L ePsf] .
;~rfng d'gfkmf 1840 2,191 16
u}/ ;~rfng cfDbfgL÷-vr{_ 30 10 -200
;Defljt gf]S;fgL Aoj:yfsf] k|If]k0f ubf{ shf{ Joj:yf lkmtf{ /sdnfO{

56 102
lkmtf{ shf{ Joj:yf vr{df ;dfof]hg ul/Psf]
45 x'gfn]
s/ / af]g; clwsf] d'gfkmf 1814 2,098 14
sd{rf/L af]g; jfktsf] 165 191
Aoj:yf 14
cfos/ Aoj:yf 520 570 9
v'b gfkmf÷-gf]S;fg_ 1129 1,338 16
u=!% k/fdz{bftf÷ljz]if1 ;DaGwL ljj/0f M

s_ n]vfk/LIfs, k|d'v a}+s, lgisfzg sfo{;Fu ;+nUg a}+s, k|If]lkt ljQLo ljj/0f 7Ls 5 egL k|dfl0ft ug]{ lj1
cflbsf] gfd tyf 7]ufgf M
n]vfk/LIfs M
o; a}+ssf] cf=j= @)&%÷&^ sf] n]vfkl/If0f sfo{ hf]zL P08 e08f/L rf6{8{ PsfpG6]G6\;n] u/]sf] xf] .
lgisfzg a}+s (Bankers to the Issue)M

o; ljj/0fkq dfkm{t lgisflzt C0fkqx?sf] nflu lgisfzg a}+s (Banker to the Issue) sf] ?kdf nIdL a}+s
lnld6]8, xflQ;f/ sf7df08f} /xg] 5 . ;fy} cfjZostf cg';f/ lgisfzg aGb ePsf] ldltn] # lbg leq af]8{nfO{
36
hfgsf/L lbO{ cGo jfl0fHo a}+sx?nfO{ ;d]t o; C0fkq lgisfzgsf] nflu lgisfzg a}+ssf] ?kdf lgo'Qm ug{
;lsg]5 .
ljQLo k|If]k0fsf] ljj/0f tof/ kfg]{ lj1 M
o; ljj/0fkqdf pNn]v ul/Psf] ljQLo k|If]k0fsf] ljj/0f tof/ kfg]{ lj1df lgisfzg sDkgL cfkm}+ /x]sf] 5 .
ljQLo k|If]k0fsf] cg'dfg tyf cfwf/x? k'g/fjnf]sg u/L ljj/0f 7Ls 5 egL k|dfl0ft ug]{ lj1M
ljj/0fkqdf pNn]v ul/P adf]lhd tof/ ul/Psf] ljQLo ljj/0f tyf k|If]k0fsf] cg'dfg tyf cfwf/x?
k'g/fjnf]sg u/L ;f] cfwf/df tof/ ul/Psf ljQLo k|If]k0fsf ljj/0f oyfy{k/s /x]sf] egL k|dfl0ft ug]{ ljz]if1
>L cf/=s]= P;f]l;P6\;sf rf6{8{ PsfpG6]G6 l;=P= >L /ljg s'df/ >]i7 /xg' ePsf] 5 . o; C0fkq lgisfzg
tyf laqmL k|aGwsdf >L nIdL Soflk6n dfs]{6 lnld6]8, gofF afg]Zj/, sf7df8f}+nfO{ lgo'Qm ul/Psf] 5 .
v_ dfly v08 -s_ df pNn]lvt ;+:yf jf JolQm;Fu ePsf] ;xdltsf d'Vo d'Vo a"Fbf tyf zt{x? M ;f] gePsf] .
lgisfzg a}+s (Bankers to the Issue)M lgisflzt C0fkqdf nufgLstf{x?af6 k|fKt nufgL /sd lgisfzg
a}+s (Bankers to the Issue) df vf]lnPsf] C0fkq vftfdf hDdf u/L ;f] sf] ;+o'Qm ;'/If0f lgisfzg sDkgL
tyf lwtf]kq lgisfzg tyf laqmL k|aGwssf] /xG5 tfsL ;f] /sd lkmtf{ e'QmfgL ubf{ s'g} k|sf/sf] ´G´6
g/xf];\ .
u=!^ cfof]hgf ;DkGg ug{sf] nflu ;fj{hlgs lgisfzg afx]s cGo ljQLo >f]tx? k|of]u ul/Psf] 5÷5}g, tT;DaGwL
ljj/0f M ;f] gePsf] .
u=!&= d'2f tyf ljjfb ;DaGwL ljj/0f M
s_ ;+ul7t ;+:yfsf] t/ntf, df}Hbft, sfo{ ;~rfngdf tflTjs c;/ kg]{ vfnsf] s'g} d'2fdfldnf jf ljjfb eP
;f] ;DaGwLl jj/0f tyf pk/f]Qm d'2f jf ljjfbsf] sf/0faf6 kg{ ;Sg] k|efj ;DaGwdf Joj:yfkgsf] wf/0ffM
xfn ;Dd ;+ul7t ;+:yfsf] t/ntf, df}Hbft, sfo{ ;~rfngdf tflTjs c;/ kg]{ vfnsf] s'g} d'2f dfldnf jf
ljjfb gePsf] .
v_ ;+ul7t ;+:yfnfO{ c;/ kg]{ u/L ;+:yfsf] ;+:yfks÷;~rfnsn] jf nfO{ bfo/ ul/Psf] d'2f ;DaGwL ljj/0f
xfn ;Dd ;+ul7t ;+:yfnfO{ c;/ kg]{ u/L ;+:yfsf] ;+:yfks÷;~rfnsn] jf nfO{ d'2f bfo/ ul/Psf] 5}g .
u_ ljut kfF+r jif{df ;+ul7t ;+:yfsf] s'g} ;+:yfks÷;~rfns sfnf];"rLdf k/]sf] jf s'g} g}lts jf cfly{s
sf/0faf6 s'g}lgodg lgsfo jf cbfntn] ;hfo u/fPsf] eP, To:tf] ;~rfnssf] gfd / ;hfo ug]{ lgodg
lgsfo jf cbfntsf] gfdpNn]v ug'{ kg]{ M
ljut kfFr jif{df ;+ul7t ;+:yfsf] s'g} ;+:yfks÷;~rfns sfnf];"rLdf k/]sf] jf s'g} g}lts jf cfly{s
sf/0faf6 s'g} lgodg lgsfo jf cbfntn] ;hfo u/fPsf] 5}g .
3_ ;+ul7t ;+:yf a}+s jf ljQLo ;+:yfdf C0f glt/L l8kmN6 ePsf], lgod cg';f/sf] z'Ns glt/]sf],
lwtf]kqjfnfx?sf]s'g} /sd e'QmfgL gul/Psf] eP tT;DaGwL ljj/0fx? M ;f] gePsf] .
u=!* u'gf;f] ;'Gg] / ;dfwfg ug]{ k|s[of M
lgisflzt lwtf]kq ;DaGwL nufgLstf{x?sf] u'gf;f] tyf ;'emfj ;'Gg tyf ;f] sf] ;dfwfgsf nflu lwtf]kq
lgisfzg tyf laqmL k|aGwssf] sfof{nodf Ps sIfsf] Joj:yf ul/Psf] 5 . nIdL Soflk6n dfs]{6 lnld6]8,
gofFafg]Zj/, sf7df8f+}sf >L ljho dxtf]nfO{ u'gf;f] ;'Gg] clwsf/Lsf] ?kdf tf]s]sf] 5 . nufgLstf{x?n] kmf]g
tyf Od]n dfkm{t cfˆgf] u'gf;f] tyf ;'emfj k|]lift ug{ ;Sg] 5g\ .
u=!( gub glnO{ s;}nfO{ lwtf]kq lgisfzg ul/Psf] 5 eg] To:tf] JolQm jf ;d"xsf] gfd, vl/b ul/Psf] ;DklQ jf
;]jf ;DaGwLljj/0f, lgisfzg ul/Psf] lwtf]kq ;+Vof / b/ ;DaGwL ljj/0f M ;f] gePsf] .
u=@) C0fkq lgisfzg ;DaGwL ljj/0f M

-s_ o; ljj/0f–kqdfkm{t lgisfzg ug{ nfluPsf] æ!)Ü glan l8a]Gr/ @)*@Æ ;DaGwL ljj/0f b]xfo adf]lhd
/x]sf] 5M
37
s_ C0fkq lgisfzgsf] zt{ aGb]hx? M C0fkq lgisfzg ;DaGwL zt{aGb]h ljj/0fkqdf pNn]v ul/Psf] 5 .
v_ C0fkqsf] cjlw (Maturity Period) M o; C0fkqsf] cjlw C0fkqsf] afF8kmfF8 ePsf] ldltaf6 & -;ft_
jif{sf] x'g]5 . ;f] cjlw kZrft a}+sn] o; C0fkqsf] ;f+jf / clGtd ls:tfsf] ltg{ afFsL Jofh /sd Psd'i7
e'QmfgL ug]{5 .
u_ lgisfzg ul/g] C0fkqsf] /sd M k|lt C0fkq ?= !,))).— c+lst d"Nosf @) nfv lsQf C0fkqn] x'g cfpg]
s'n ?= @ ca{ dWo] * nfv lsQfn] x'g cfpg] s'n ?= c;L s/f]8 /sd -%Ü cyf{t $),))) lsQf ;fd'lxs
nufgL sf]ifsf nflu 5'§ofO{Psf] ;d]t_ sf] C0fkq ;j{;fwf/0f g]kfnLsf] nflu ;fj{hlgs lgisfzg laqmL ul/g] .
3_ C0fkq z]o/df kl/jt{g x'g] jf gx'g] M o; ljj/0fkq cg';f/ lgisfzg ul/g] C0fkq & jif{sf] cjlwkZrft
Psd'i7 ?kdf lkmtf{ ul/g] ePsfn] pQm C0fkq ;fwf/0f z]o/df kl/0ft gx'g] .
ª_ C0fkqsf] Jofhb/ (Coupon Interest Rate) / Aofh e'QmfgL ug]{ cjlw÷;do (Interest Payment
Period)M o; C0fkqsf] jflif{s Jofhb/ !)Ü x'g]5 . o; C0fkqdf cflh{t Aofh /sddf cfos/ P]gcg';f/ s/
nfUg]5 . o; C0fkqdf cflh{t Jofh /sd k|To]s cf=j=sf] k|yd cw{jflif{s -k'; d;fGt_ / låtLo cw{jflif{s
-c;f/ d;fGt_ ;dfKt eP kZrft e'QmfgL lbOg]5 . Jofh /sd e'QmfgL lbbf+ k|yd cw{jflif{s -k'; d;fGt_
;do;Dd o; C0fkqdf cflh{t Jofh /sd x/]s cf=j=sf] df3 ! ut]b]lv / låtLo cw{jflif{s -c;f/ d;fGt_
;do;Dd o; C0fkqdf cflh{t Jofh /sd cf=j=sf] ;fpg ! ut]b]lv e'QmfgL ul/g]5 .
r_ C0fkq e'QmfgL hu]8f sf]if (Debenture Redemption Reserve) ;DaGwL Aoj:yf M of] C0fkqnfO{
lgwf{l/t & jif{sf] ;do cjlw Joltt x'gf;fy e'QmfgL ug{sf nflu a}+sn] aflif{s d'gfkmfaf6 C0fkq
lgisfzg ePsf] bf];|f] jif{b]lv 5}7f}+ aif{;Dd a/fa/ ?kdf (Proportionate Period Basis) gfkmf÷gf]S;fg afF8kmfF8
lx;fa vftf (Profit & Loss Appropriation A/C) af6 C0fkq e'QmfgL sf]if (Debenture Redemption Reserve) sf]
Joj:yf u/L ;dfg'kflts ?kdf aflif{s /sd ?= $),)),)),)))/— sf b/n] ;dfg'kflts ?kdf x'g] /sd a}+sn]
gf]S;fgL Joxf]g'{ k/]sf] cj:yfdf ;d]t C0fkq e'QmfgL sf]ifdf /sdfGt/ ul/g]5 . o; C0fkqsf] e'QmfgL u/]kl5
C0fkq e'QmfgL sf]ifdf /x]sf] /sd gfkmf–gf]S;fg afF8kmfF6 lx;fa vftfdf ;fl/g]5 jf g]kfn /fi6« a}+sn] tf]s]
adf]lhd ul/g] 5 . ;fy} sDkgLn] s'g} cfly{s jif{df gfkmf cfh{g ug{ g;s]sf] v08df ;d]t ;f] jif{df C0fkq
e'QmfgL sf]if (Debenture Redemption Fund) df /sdfGt/ ug'{kg]{ /sd ;+lrt gfkmf af6 /sdfGt/ ul/g] 5 .
5_ C0fkq jfnfx?sf] clwsf/ M o; ljj/0fkq dfkm{t lgisfzg x'g] C0fkq vl/b ug]{ C0fkq jfnfx?nfO{
sDkgL P]g, @)^# tyf cGo k|rlnt sfg"g adf]lhd C0fkq jfnfnfO{ k|fKt x'g] ;Dk"0f{ xs, ;'ljwf k|fKt x'g]5 .
t/ To:tf C0fkq jfnfx?nfO{ ;fwf/0f ;efdf pkl:yt x'g] tyf dtbfg ug]{ clwsf/ x'g] 5}g . sy+ sbflrt a}+s
6f6kN6]df o; ljj/0f–kqdfkm{t\ lgisflzt C0fkqsf] e'QmfgL lgIf]kstf{x? eGbf k5fl8 dfq x'g]5 .
h_ C0fkqsf] Jofh e'QmfgL ug]{ ;do M o; C0fkqdf cflh{t Jofh /sd k|To]s cf=j=sf] k|yd cw{jflif{s -k';
d;fGt_ / låtLo cw{jflif{s -c;f/ d;fGt_ ;dfKt eP kZrft e'QmfgL lbOg]5 . Jofh /sd e'QmfgL lbbf+ k|yd
cw{jflif{s -k'; d;fGt_ ;do;Dd o; C0fkqdf cflh{t Jofh /sd x/]s cf=j=sf] df3 ! ut]b]lv / låtLo
cw{jflif{s -c;f/ d;fGt_ ;do;Dd o; C0fkqdf cflh{t Jofh /sd cf=j=sf] ;fpg ! ut]b]lv e'QmfgL ul/g]5 .
em_ C0fkqsf] Jofh e'QmfgL ug]{ :yfg M o; C0fkq wf/0f ug]{ C0fkqwgLn] lghn] wf/0f u/]sf] C0fkqdf cflh{t
Jofh /sd glan a}+s lnld6]8sf] s'g}klg zfvfaf6 cfkmgf] C0fkqsf] k|df0fkq / Aofh e'QmfgL k"hf{ k]z u/L
e'QmfgL lng;Sg] u/L lgisfzg ul/Psf] 5 . o:fsf] cltl/Qm C0fkqwgLnfO{ cfˆgf] vftfdf ;f]em} Aofh /sd
hDdf ug]{ ;x'lnot ;d]t lbOg] 5 .
`_ C0fkqsf] Jofh e'QmfgL ug]{ t/Lsf M C0fkqsf] afF8kmfF6 kZrft\ afF8kmfF6df kg]{ ;Dk"0f{ C0fkqwgLx?nfO{
afF8kmfF6 ePsf] lbgb]lvsf] klxnf] cw{jflif{ssf] Jofh /sd ;f] cw{jflif{s cjwLsf] ;dfKtL kZrft\ e'QmfgL
lbOg]5 . o; C0fkq wf/0f ug]{ k|To]s C0fkqwgLnfO{ Jofh /sd e'QmfgL ug{sf nfuL C0fkqsf] k|df0fkqsf] ;fy}
Jofh e'QmfgL k'hf{ (Interest Coupon) lbOg]5 . o:fsf] cltl/Qm C0fkqwgLnfO{ cfˆgf] vftfdf ;f]em} Aofh /sd
hDdf ug]{ ;x'lnot ;d]t lbOg] 5 .
t_ cGo M of] C0fkq glan a}+s lnld6]8 afx]s cGo h'g;'s} ljQLo ;+:yfdf lwtf] /fvL C0f lng ;lsg]5 .
-v_ ;+ul7t ;+:yfsf] ;DklQdf C0fkqjfnfsf] xs ;DaGwL ljj/0fM o; ljj/0fkq dfkm{t lgisfzg x'g] C0fkq a}+ssf]
;DklQ ;'/If0f g/fvL lgisfzg ul/Psf] c;'/lIft C0f (Unsecured Debt) ePsf] / sy+sbflrt a}+s 6f6klN6Pdf cGo
;'/lIft ;fx" / lgIf]kstf{ s'n /sd ? !&)=*& ca{ -cfiff9 d;fGt @)&^_ eGbf kl5 dfq e'QmfgLdf k|fyldstf x'g] u/L
lgisfzg ul/Psf] ;xfos C0f (Subordinated Debt) ePsf] x'Fbf k|rlnt sfg"gn] k|bfg u/]sf] afx]s sDkgLsf]
;DklQdf C0fkqjfnfsf] s'g} lglb{i6 xs (Specific charge) clwsf/ x'g] 5}g .
38
-u_= 6«li6sf] gfd, 7]ufgf tyf 6«li6 / sDkgL aLr ePsf] ;Demf}tf (Trust Deeds) sf] k|d'v a'Fbfx? M
s_ l8j]~r/ 6«i6Lsf] ?kdf sfo{ ug]{ ;+:yfsf] gfd, 7]ufgfM C0fkq 6«i6Lsf] ?kdf sfo{ ug]{ ;+:yfdf g]kfn lwtf]kq
af]8{af6 lgisfzg tyf laqmL k|aGwssf] k|df0f—kq k|fKt lwtf]kq Joj;foL nIdL Soflk6n dfs]{6 lnld6]8,
gofFafg]Zj/, sf7df8f+} /x]sf] 5 .
v_ 6«i6L eP jfkt lng] ;]jf z"NsM o; ljj/0f–kqdfkm{t ;j{;fwf/0fdf tyf JolQmut tj/af6 ljleGg JolQm jf
;+3 ;+:yfx?nfO{ laqmL ul/g] C0fkqsf] 6«i6Lsf] ?kdf lgo'Qm >L nIdL Soflk6n dfs]{6 lnld6]8nfO{ lghn] pQm
;]jf k|bfg u/]afkt aflif{s ?=@),)))÷– -aL; xhf/ dfq_ /sd 6«i6L ;]jf pknJw u/fPsf] ;dofjlwsf nflu
;]jf z'Nssf] ?kdf lbOg]5 .
u_ l8j]~r/ 6«i6Lsf] ?kdf sfo{ ug]{ ;+:yfn] tf]s]sf] ;Dks{ JolQmsf] gfd, kb M C0fkq 6«i6Lsf] ?kdf sfo{ ug]{
;+:yfn] pQm sDkgLsf] k|ltdf g]kfnnfO{ ;Dks{ JolQmsf] ?kdf tf]s]sf] 5 .
3_ l8j]~r/ 6«i6Lsf] ?kdf sfo{ ug]{ ;+:yfn] ;DalGwt kIfsf] u"gf;f] ;"Gg] / ;dfwfg ug]{ ;DaGwdf u/]sf] Joj:yf
M C0fkq 6«i6Lsf] ?kdf sfo{ ug]{ ;+:yfn] ;DalGwt kIfsf] u'gf;f ;'Gg] / ;f] sf] ;dfwfg ug]{ ;DaGwdf tf]lsPsf]
;Dks{ JolQm dfkm{t jf C0fkq 6«i6Lsf] ?kdf sfo{ ug]{ ;+:yfsf] sfof{no dfkm{t cfjZos Joj:yf u/]sf] 5 .
;fy} u'gf;fx? lnlvt ?kdf C0fkq 6«i6Lsf] ?kdf sfo{ ug]{ ;+:yfdf hDdf u/fpg' kg]{5 .
ª_ l8j]~r/ lgisfzg ug]{ sDkgL / l8j]~r/jfnfx?sf] lxt ;+/If0f ug{ 6«i6Lsf] ?kdfsfd ug]{ l8j]~r/ 6«i6L lar
sDkgL P]gsf] Aoj:yf cg"?k ;Demf}tf ePsf] s"/f M C0fkq lgisfzg ug]{ sDkgL / C0fkqjfnfx?sf] lxt ;+/If0f
ug{ 6«i6Lsf] ?kdf sfd ug]{ C0fkq 6«i6L aLr ldlt @)&%÷!@÷!( df sDkgL P]g, @)^# df ePsf] Joj:yf
cg'?k ;Demf}tf ul/Psf] 5 .
r_ l8j]~r/ 6«i6Lsf] clwsf/ / bfloTj, l8j]~r/ 6«i6Ln] hf+ra"em ug{ / ljj/0f dfu ug{ ;Sg], l8j]~r/ 6«i6LnfO{
l8j]~r/jfnfsf] clwsf/ x"g] cflb Joj:yfx? sDkgL P]g cg"?k ePsf] s"/f M l8j]~r/ 6«i6Lsf] clwsf/ / bfloTj,
l6j]~r/ 6«i6Ln] hf+ra"em ug{ / ljj/0f dfu ug{ ;Sg], l8j]~r/ 6«i6LnfO{ l8j]~r/jfnfsf] clwsf/ x"g] cflb
Joj:yfx? sDkgL P]g cg"?k ul/Psf] 5 .
5_ l8j]~r/ 6«i6L / lgisfzgstf{ sDkgL aLr ePsf] ;Demf}tfsf] k|lt g]kfn lwtf] kq af]8{df btf{ ul/Psf] s"/f M
l8j]~r/ 6«i6L / lgisfzgstf{ sDkgL aLr ePsf] ;Demf}tfsf] k|lt g]kfn lwtf] kq af]8{df btf{ ul/Psf] 5 .
h_ l8j]~r/ 6«i6L / lgisfzgstf{ sDkgL aLr ePsf] ;Demf}tf tyf cGo cfjZos Joj:yfx? l8j]~r/jfnfn] x]g{
jf hfGg rfx]df ;f] pknAw u/fpg] ;DaGwdf ul/Psf] Joa:yf M l8j]~r/ 6«i6L / lgisfzgstf{ sDkgL aLr
ePsf] ;Demf}tf tyf cGo cfjZos Joj:yfx? l8j]~r/jfnfn] x]g{ jf hfGg rfx]df l8j]~r/ 6«i6L /
lgisfzgstf{sf] /lhi68{ sfof{nodf jf lgisfzg tyf lalqm k|aGwssf] sfof{nodf ;Dks{ /flv x]g{ jf hfGg
;lsg] 5 .
em_ cGo M C0fkq 6«i6Ln] l8a]~r/jfnfx?sf] lxt ;+/If0f ug]{ . sDkgLn] C0fkq 6«i6LnfO{ cfˆgf] ljQLo
sf/f]jf/sf] kl/is[t cfly{s ljj/0f cfly{s jif{ ;dfKt ePsf] ^ dlxgfleq clgjfo{ ?kdf k7fpg' kg]{ . C0fkq
6«i6Ln] sDkgLn] :yfkgf u/]sf] C0fkq e'QmfgL sf]if (Debenture Redemption Fund) sf] cg'udg ug]{ .
sDkgLn] k'gM csf]{ C0fkq lgisfzg ug'{ k/]df C0fkq 6«i6Lsf] k"j{ :jLs[lt lng' kg]{ .
`_ l8j]~r/ 6«i6L / lgisfzgstf{ sDkgL aLr ePsf] ;Demf}tfsf d"Vo a"+bfx?M

!= l8j]~r/ 6«i6Ln] a}+ssf] ;DklQ d"NofËg, kl/of]hgf ljZn]if0f jf Aoj:yfkg ljZn]if0f ug{ ;Sg] / u/fpg ;Sg]
5.
@= sy+sbflrt a}+s la36g ug'{ k/]df a}+ssf] hfoh]yfdf lgIf]kstf{x?sf] xs bfjL e'QmfgLkl5 dfq
l8j]~r/jfnfx?sf] xs nfUg]5 / pQm l8j]~r/ lkmtf{ lbgsf] nflu a}+sn] jflif{s d'gfkmfaf6 C0fkq lgisfzg
ePsf] bf];|f] jif{b]lv 5}7f}+ aif{;Dd a/fa/ ?kdf (Proportionate Period Basis) gfkmf÷gf]S;fg afF8kmfF8 lx;fa
vftf (Profit & Loss Appropriation A/C) af6 C0fkq e'QmfgL sf]if (Debenture Redemption Reserve) sf]
Joj:yf u/L ;dfg'kflts ?kdf aflif{s ?= $),)),)),)))/— hDdf ul/g]5 / Dofb ;dfKt eP kZrft pQm
sf]ifaf6 /sd lkmtf{ x'g]5 .
#= ;Demf}tfdf pNn]lvt zt{x? pNn+3g ePdf jf k"/f gu/]df jf cGo s'g} dgfl;j sf/0fn] a}+s sf] cfly{s
sf/f]af/ lgoGq0fdf lng' kg]{ ePdf jf ;Demf}tf adf]lhdsf] lwtf] sAhfdf lng'kg]{ ePdf l8j]~r/ 6«i6Ln]
39
a}+ssf] hfoh]yf jf ;DklQ jf l8a]~r/ 6«i6Ln] lwtf] hdfgtdf lnPsf] ;DklQ cfˆgf] sAhfdf lnO{ jf lwtf]
hdfgt cfkm}n] /fVg jf lnnfd a9fa9 jf cGo pko'Qm tl/sfn] laqmL ug{ ;lsg] 5 .
$= l8j]~r/ 6«i6Ln] l8j]~r/ 6«i6Lsf] x}l;otn] c;n lgotn] sfo{ ubf{ glan a}+s lnld6]8 jf l8j]~r/wgLnfO{
s'g} xfgL gf]S;fgL jf 3f6f ePdf jf l8j]~r/wgLnfO{ /sd lkmtf{ e'QmfgL gePdf l8j]~r/ 6«i6Lsf] s'g}
bfloTj tyf lhDd]jf/L /xg] 5}g .
%= a}+s lj36g ug'{ kg]{ cj:yf pTkGg ePdf l8a]~r/ 6«i6Ln] l8a]~r/jfnfsf] tkm{af6 cfjZos sfg"gL sf/jfxL
ug{ ;Sg]5 / l8a]~r/jfnfsf] clwsf/ k|of]u ug{ ;Sg]5 .
-3_= kl/jt{gzLn C0fkq hf/L ul/g] ePdf C0fkqsf] kl/jt{g cg'kft, d"No, lk|ldod tyf kl/jt{g ldlt,
dtclwsf/sf] Aoj:yfM C0fkq kl/jt{gzLn gePsf] .
-ª_= C0fkq hf/L ug'{sf] p2]Zo / ;DkGg x'g] sfo{ of]hgf M
o; ljj/0fkq dfkm{t lgisfzg ug{ nfluPsf æ!)Ü glan l8a]~r/ @)*@Æ C0fkq lgisfzgsf] d'Vo p2]Zo
a}+ssf] Joj;fo j[l4sf] nflu x'g]5 . o; ljj/0f—kq dfkm{t lgisfzg ug{ nfluPsf] æ!)Ü glan l8a]~r/
@)*@Æ laqmL u/L ;+sng ePsf] /sd a}+sn] cfjZostf cg';f/ shf{ tyf nufgLdf pkof]u ug]{5 .
-r_= hf/L k"FhL k"/f r'Qmf eP÷gePsf] M r'Qmf ePsf] .
-5_= o; eGbf cufl8 hfl/ ePsf] C0fkqsf] ljj/0f M Mo; eGbf cufl8 a}+sn] æNabil Bank Bond 2075Æ
;ft jif{ cjlw tyf jflif{s *.5Ü Aofhb/ ePsf] k|lt Bond ?= !,)))÷-c+lst d"Nosf_ 3,)),))) nfv
lsQfn] x'g cfpg] ? 3),)),)),))) a/fa/sf] C0fkq lgisfzg u/]sf] lyof] .
-h_= g]kfn /fi6« a+}sn] l8a]Gr/ hf/L ug{sf nflu lbPsf] zt{x? M
!= s'g} klg ;'/If0f g/fvL æ!)Ü glan l8a]~r/ @)*@Æ lgisfzg ug'{kg]{ .
@= C0fkqsf] cjlw & aif{sf] x'g] .
#= k|:tfljt C0fkqdf k|bfg ul/g] Aofh ^÷^ dlxgf -cw{jflif{s_ df e'QmfgL ug'{kg]{, C0fkqsf] jflif{s Aofhb/
!)Ü x'g'kg]{ / cflh{t Aofh /sddf cfos/ P]g cg';f/ cfos/ nfUg] Joa:yf ug'{kg]{ .
$= a+}s la36g ePsf] cj:yfdf æ!)Ü glan l8a]~r/ @)*@Æ sf] e'QfgL lgIf]kstf{eGbf kl5 dfq x'g] .
%= æ!)Ü glan l8a]~r/ @)*@Æ hf/L ePsf] ldltn] a9Ldf ^ dlxgfleqdf g]kfn lwtf]kq lalgdo ahf/df
;"rLs[t ug'{kg]{ .
^= glan a+}s lnld6]8 afx]s cGo a+}s tyf laQLo ;+:yfaf6 pQm a08 lwtf] /fvL C0f lng ;lsg] Aoj:yf
ug'{kg]{ .
&= æ!)Ü glan l8a]~r/ @)*@Æ lgisfzg ug'{ cl3 ljj/0fkq o; a+}sdf btf{ u/L k|sfzg ug'{kg]{ .
*= Private Placement sf] cfwf/df ljqmL ul/g] C0fkqsf] ;DaGwdf s'g} ;+3÷;+:yf;+u clu|d s'g} ;Demf}tf
ePsf] eP ;f] ;Demf}tfsf] k|dfl0ft k|ltlnlk o; a+}sdf k]z ug'{ kg]{ .
(= olb s'g} kIfn] ;f] kIfnfO{ 5'6\ofPsf] C0fkq vl/b gu/]df ;f] C0fkq csf]{ kIfnfO{ vl/b ug]{ Joa:yf ug'{kg]{
u= @! cu|flwsf/ z]o/ lgisfzg ;DaGwL Joj:yf M xfn;Dd cu|flwsf/ z]o/ hf/L ul/Psf] 5}g .
u= @@ cGo ;fdfGo hfgsf/L M
-s_ ljz]if1sf] s'g} /fo ePdf ;f] sf] ljj/0f M
o; ljj/0fkqdf pNn]v ul/P adf]lhd tof/ ul/Psf] ljQLo ljj/0f tyf k|If]k0fsf] cg'dfg tyf cfwf/x?
k'g/fjnf]sg u/L ;f] cfwf/df tof/ ljQLo k|If]k0fsf ljj/0f oyf{yk/s /x]sf] 5 . o; ljQLo ljj/0f tyf
k|If]k0fsf] cg'dfg tyf cfwf/x? k'g/fjnf]sg ug]{ ljz]if1 >L cf/=s]= Pzf]l;P6\;sf rf6{8{ PsfpG6]G6 l;=P= >L
/ljg s'df/ >]i7 /xg'ePsf] 5 .
-v_ ut tLg cfly{s jif{leqdf s'g} ;+rfns, n]vfk/LIfs kl/jt{g ePsf] eP, ;f] sf] sf/0f M
l;=g+= gfd cfly{s jif{ kl/jt{gsf] sf/0f
1 >L k|tfk s'df/ kf7s 2072/73 ljz]if¡f ;+rfns lgo'Qm
2 >L jL/]Gb/ kf}n bfgL 2072/73 ;d'x ‘s’ z]o/wgLsf] k|ltlglw ;+rfns lgo'Qm
3 >L cflzif zdf{ 2072/73 /fhLgfdf
4 >L s[i0f k|;fb zdf{ 2073/74 ;d'x ‘s’ z]o/wgLsf] k|ltlglw ;+rfns lgo'Qm
40
5 >L cflzif zdf{ 2073/74 ;d'x ‘s’ z]o/wgLsf] k|ltlglw ;+rfns lgo'Qm
6 >L zDe' k|;fb kf}8[ofn 2073/74 ;d'x ‘u’ z]o/wgLsf] k|ltlglw ;+rfns lgo'Qm
7 >L bof/fd uf]kfn cu|jfn 2073/74 ;d'x ‘u’ z]o/wgLsf] k|ltlglw ;+rfns lgo'Qm
8 >L pk]Gb| k|;fb kf}8[ofn 2074/75 ;d'x ‘s’ z]o/wgLsf] k|ltlglw ;+rfns lgo'Qm
9 >L s[i0f k|;fb zdf{ 2074/75 /fhLgfdf
10 >L dno d'vhL{ 2074/75 ;d'x ‘s’ z]o/wgLsf] k|ltlglw ;+rfns lgo'Qm
11 >L hf]zL P08 e08f/L 2074/75 a}+s tyf ljlQo ;+:yf ;DaGwL P]g @)&# sf] bkmf ^#-@_
rf6{8{ PsfpG6]06[; adf]lhd afXo n]vfkl/Ifs >L l6=cf/= pkfWofo k"gM
lgo'Qm x'g cof]Uo ePsf] x'bfF lghsf] :yfgdf gofF lgo'lQm
ePsf] .
12 pbo s[i0f pkfWofo 2076/77 sfo{sfnsf] ;dflKt
13 O{nf zdf{ 2076/77 :jtGq ;~rfnssf] ?kdf lgo'Qm
14 dx]z /fh kGt 2076/77 ;+:yfks ;d"xsf z]o/wgLsf] tkm{af6 lgjf{lrt
-u_ sDkgL ;lrjsf] gfd, 7]ufgf / of]Uotf M

gfd M dfwj k|;fb /]UdL
7]ufgf M df]/8), la/f6gu/
of]Uotf M Pn=Pn=Pd=
-3_ ;fj{hlgs lgisfzg ug{sf] nflu ;~rfns ;ldltaf6 ePsf] lg0f{o ;DaGwL ljj/0f M
ldlt @)&% kf}if @& df a;]sf] ;+rfns ;ldltsf] %)% cf}+ a}7ssf] lg0f{o M
g]kfn /fi6« a}+såf/f hf/L Capital Adequacy Framework 2015 df tf]lsP jdf]lhd æsÆ ju{sf] Ohfhtkqk|fKt
;+:yfsf] xsdf k"FhLsf]ifsf] u0fgf cfˆgf] hf]lvd efl/t ;DklQsf] cfwf/df Go"gtd k"FhL sf]ifsf] cg'kft !!Ü
sfod ug'{kg]{ Joj:yf /x]sf] / a}+ssf] k"FhLsf]if ko{fKttfnfO{ ;'lglZrt u/L a}+lsË Joj;fo a[l4 ug{ cfjZos kg]{
yk k"FhLsf] Joj:yfnfO{ lgoldt ub}{ hfg tyf g]kfn /fi6« a}+ssf] PsLs[t lgb]{zg, @)&% sf] O=k|f=lgb]{zg g+= !^
sf] a'bFf % cg';f/ tf]lsPsf zt{x? k"/f u/]sf] O{hfhtkqk|fKt ;+:yfn] a9Ldf cfkm\gf] k|fylds k"FhLsf] zt
k|ltzt;Ddsf] l8a]~r/÷cGo C0f pks/0f hf/L ug{ ;Sg] Joj:yf /x]sf] / of] a}+s ;f] lgb]{zg adf]lhd l8a]~r/
hf/L ug{sf nflu of]Uo /x]sf] n] & jif{sf] l8a]~r/sf] Aofhb/ !)Ü ;Dd lgwf{/0f u/L ?= @ ca{ /sdsf] æ!)Ü
glan l8a]~r/ @)*@Æ hf/L ug{ :jLs[lt ePsf] .
-ª_ ;+ul7t ;+:yf jf o;sf C0fkqwgLnfO{ s'g} ljz]if ;'ljwf lbOPsf] eP, ;f] ;DaGwL ljj/0f M
;+ul7t ;+:yf jf o;sf C0fkqwgLnfO{ s'g} ljz]if ;'ljwf lbOPsf] 5}g .
-r_ ;+ul7t ;+:yfsf] kl5Nnf] cfly{s jif{sf] n]vfk/LIf0f ePsf] jf;nft, gfkmf gf]S;fg lx;fj / gub k|jfx ljj/0f
k|fKt ug{ jf x]g{ ;Sg] 7fpF / ;do M
sfof{no ;doleq a}+ssf] /lhi68{ -s]Gb|Lo_ sfof{no, sdnfbL, sf7df08f}+ / lwtf]kq lgisfzg tyf laqmL k|jGws
nIdL Soflk6n dfs]{6 ln=, gofF afg]Zj/, sf7df8f}+}df ;Dks{ /fvL sDkgLsf] kl5Nnf] cfly{s jif{sf] n]vf k/LIf0f
ePsf] jf;nft, gfkmf gf]S;fg lx;fj / gub k|jfx ljj/0f k|fKt ug{ jf glan a}+ssf] j]e;fO6df x]g{ ;lsg]5 .
-5_ C0fkq, sd{rf/L jf c? s;}sf] nflu ;'/lIft ug]{ Joj:yf ul/Psf] ePdf ;f] s'/f M
o; ljj/0fkqåf/f lgisfzg ul/Psf] k|lt C0fkq ?= !,))).— clÍt d"No (Par Value) sf s'n *,)),))) lsQf
C0fkq ;+Vofsf] %Ü cyf{t $),))) lsQf C0fkqx? ;fd"lxs nufgL sf]ifsf] nflu 5'6\ofP/ ;'/lIft /flvPsf] 5 .
o;/L 5'6\ofOPsf] C0fkq ;fd"lxs nufgL sf]ifaf6 dfu eO{ cfPsf] xsdf ;+rfns ;ldltn] cf}lrTok"0f{ tj/af6
afF8kmfF8 ug]{5 / ;fd"lxs nufgL sf]ifaf6 ;Dk"0f{ C0fkqsf] nflu dfu eO{ gcfPsf] cj:yfdf af+sL C0fkqx?
;fd"lxs nufgL sf]if lgodfjnL, @)^& adf]lhd afF8kmfF8 ul/g]5 .
-h_ ljj/0fkq tof/ ug]{sf] gfd, 7]ufgf, z}lIfs of]Uotf tyf cg'ejsf] ljj/0f M
41
of] ljj/0fkq tof/ kfg]{ Jofj;flos ;+:yfdf lwtf]kq lgisfzg tyf laqmL k|aGws >L nIdL Soflk6n dfs]{6
lnld6]8, gofF afg]Zj/, sf7df08f}+ /x]sf] 5 .
-em_ sDkgLsf] k|jGwkq / lgodfjnL k|fKt ug{ ;lsg] 7fpF M
o; sDkgLsf] k|jGwkq tyf lgodfjnL sDkgLsf a}+ssf] /lhi68{ -s]Gb|Lo_ sfof{no lj0ff dfu{, b/af/dfu{,
sf7df08f}+ / lwtf]kq lgisfzg tyf ljqmL k|aGws nIdL Soflk6n dfs]{6 lnld6]8, sf7df8f}+df sfof{no ;doleq
;Dks{ /fvL k|fKt ug{ ;lsg]5 .
-`_ cGo -sDkgLsf] ;sf/fTds kIfx?_ M
!_ :yfkgfsfnb]lv g} k"0f{ sDKo'6/Ls[t k|ljlwaf6 ljQLo ;]jf k|bfg ub}{ cfO/x]sf] .
@_ bIf tyf cg'ejL JolQmx?sf] nufgLdf :yfkgf tyf ;+rfng ul/Psf] sDkgL .
#_ b'|t ultdf Joj;fo lj:tf/ ug{ ;kmn /x]sf] .
-6_ o; ljj/0fkq dfkm{t C0fkqsf] lgisfzg u/L g]kfn :6s PS;r]Gh lnld68]df ;"rLs/0f kZrft\ b:tvt ?h',
C0fkqsf] gfd;f/L cflb ;DaGwL sfo{ o; sDkgLsf] sfof{no jf sDkgLn] lgo'Qm ug]{ C0fkq /lhi6f«/sf]
sfof{noaf6 x'g] Joj:yf ldnfOg]5 .
-7_ C0fkqsf] laqmL v'Nnf cjlw M

o; ljj/0fkq4f/f lgisfzg ul/Psf] C0fkqsf] nflu cfj]bg lbg] cjlw laqmL v'Nnf ePsf] ldltaf6 clwstd
!% lbg;Dd v'Nnf /xg]5 . C0fkqsf] nflu cfj]bg lng] sfo{ sDtLdf rf/ sfo{ lbgsf] nflu v'Nnf ul/g]5 .
-8_ lwtf]kqsf] qm]l86 /]l6Ë M
o; ljj/0fkq cg';f/ ;j{;fwf/0fdf lgisfzg ul/g] C0fkqsf] nflu æqm]l86 /]l6Ë lgodfjnL, @)^*Æ sf] lgod
# df ePsf] Joa:yf adf]lhd g]kfn lwtf]kq af]8{af6 cg'dltk|fKt qm]l86 /]l6Ë ;+:yf O{qmf g]kfn ln=, l8NnLahf/,
sf7df8f}+af6 o; a}+sn] hf/L ug{ nfu]sf] ?= @ ca{sf] Subordinated Debenture Program (10% Nabil Debentures
– 2082) nfO{{ Oqmf g]kfn lnld6]8n] ldlt @)&^÷!÷!@ df [ICRANP] LAA- /]l6Ë k|bfg u/]sf] 5 . [ICRANP]
LAA- k|fKt ug]{ lwtf]kq pks/0fx? ;dodf g} ljlQo bfloTj k"/f ug]{ ;DaGwdf kof{Kt dfqfdf ;'/lIft dflgPsf]
5 . hf]lvdsf] b[li6af6 o:tf pks/0fx? Go"g qm]l86 hf]lvd ePsf] dflgG5g\ . ;fy}, o; a}+snfO{ O{qmf g]kfn
lnld6]8n] ICRANP-IR] AA- (Pronounced as ICRA NP Issuer Rating Double A Minus) /]l6Ë Re-affirm u/]sf]
5.
u=@#= ;+rfns tyf lj1x?sf] gfd tyf b:tvt M

o; ljj/0fkqdf k|sflzt tYo tyf ljj/0fx? 7Ls b'?:t 5g\, ;f] df s'g} km/s k/]df xfdL ;~rfnsx? k"0f{
?kdf lhDd]jf/ x'g]5f}+ egL ;xL5fk ug]{ ;~rfnsx?sf] gfd tyf b:tvt M
qm=;+ Gffd kb b:tvt
! zDe' k|;fb kf}8\ofn cWoIf
@ lgjf{0f s'df/ rf}w/L ;~rfns
# bof/fd uf]kfn cu|jfn ;~rfns
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% dno d'vhL{ ;~rfns
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&= dx]z /fh kGt ;~rfns
42
u=@$=lgisfzg tyf laqmL k|aGwsn] k|:t't u/]sf] k|lta4tf kq -8\o' 8]lnh]G;\ ;l6{lkms]6_ sf] k|lt
43
u=@%= ljj/0fkq, ljQLo ljj/0f tyf cGo s'g} s'/fdf lj1n] /fo lbPsf] eP ;f] ;DaGwL kqM
44

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lwtf]kq lgisfzg tyf laqmL k|aGws M

(100% Subsidiary of Laxmi Bank Limited)

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u|fxsnfO{ lbPsf] shf{ tyf ;fk6L 127,500,243

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