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jssdk jnrkt
FN]DUNK ANXBF ]J@EJFNINUNK
Cjfd`pdc BB
Xtugb Fnpnkonk
]jsjrtn ]jfntbank Cjpj`b`pbknk Ng`bkbstrntdr (]CN)
5=5>
Nkocntnk \BB Wnauk 5=5>
jssdk jnrkt
Xtugb Fnpnkonk
]jsjrtn ]jfntbank Cjpj`b`pbknk
Ng`bkbstrntdr (]CN) Nkocntnk \BB
Wnauk 5=5>
WB@
]JKRZXZK
]JKRZXZK
Xupnrgb, XJ ]jsjrtn
CJ@JKGNOUBWnauk
UJOBDKNF
5=5>
@NCNXXNU
b
CNWN
]JKONKWNU
]JKONKWNU
]uib syucur cn`b uhnpcnk cjangbrnk Nffna X_W ynko tjfna `jfb`pnacnk
rna`nt gnk cnrukbn-Kyn pngn cbtn sj`un sjabkoon cn`b ebsn `jkyjfjsnbcnk
Fnpdrnk Ansbf Xtugb Fnpnkonk gnfn` rnkocn ]jfntbank Cjpj`b`pbknk
Ng`bkbstrntdr (]CN) Nkocntnk \BB Wnauk 5=5> ynko gbsjfjkoonrncnk dfja
]usnt ]jkoj`enkonk Xu`ejrgnyn @nkusbn Cj`jktjrbnk gnfn` Kjojrb
(]]XG@ CJ@JKGNOUB) Ujobdknf @ncnsnr ynko ejcjrin sn`n gjkonk
]j`jrbktna Cdtn Enkguko.
Wnc fupn cn`b uhnpcnk tjrb`n cnsba ynko sjenkync ‘ enkynckyn cjpngn
ynko tjradr`nt9
bb
:. Xj`un pbanc ynko tjfna `j`enktu gnk `jkgucuko cn`b gnfn`
sjfn`n pjfncsnknnk stugb fnpnkonk sn`pnb gjkonk pjkyusuknk
Fnpdrnk Ansbf Xtugb Fnpnkonk bkb. Xj`don enktunk gnk gucukonk
ynko gbejrbcnk cjpngn cn`b, `jkgnpnt pnanfn tjrenbc gnrb Nffna X_W.
Cn`b `jkyngnrb gnfn` Fnpdrnk Ansbf Xtugb Fnpnkonk bkb `nsba enkync
cjcurnkonk gnk `j`jrfucnk enkync pjkyj`purknnk. Gjkonk gj`bcbnk
snrnk gnk crbtbc ynko `j`enkouk snkont cn`b eutuacnk gnrb ejrenonb
pbanc. Ntns snrnk, crbtbc gnk enktunnkkyn cn`b uhnpcnk tjrb`n cnsba.
bbb
GNLWNU
BXB
BXB
Anfn`nk iuguf
Wb` ]jkyusuk …………………………………………………………………...... b
Cntn pjkonktnr …………………………………………………………………...... bb
Gnltnr bsb …………………………………………………………………...... bv
Gnltnr tnejf …………………………………………………………………...... v
Gnltnr on`enr …………………………………………………………………...... vb
Enobnk > ]UDLBF ENGNK ]JUJKHNKNNK ]J@ENKOZKNK ]JKJFBWBNK
]JKJFBWB NK
GNK ]JKOJ@ENKONK (EN]]JFBWENKO)
CDWN ENKGZKO…….………………………………………………….. >
>.>. \bsb Gnk @bsb Cdtn Enkguko..………………………………
Enkguko..……………………………….. .. >
>.5. Wuons, Lukosb Gnk Xtructur Enppjfbtenko
Cdtn Enkguko ………………………………………………… >=
>.8. Bsu
Xtrntjobs…………………………………………………………
Xtrntjobs………………………………………………………… >7
Enobnk 5 GJXCUB]XB CBKJUIN EN]]JFBWENKO CDWN ENKGZKO……………… ><
Enobnk 8 CJR XZHHJXX LNHWDUX CBKJUIN EN]]JFBWENKO CDWN
ENKGZKO……………………………………………………………….... 5?
Enobnk 7 CJEJUFNKOXZK
CJEJUFNKOXZKONKONK CJZKOOZFNK XWUNWJOB GNK
@NKNIJ@JK CBKJUIN ]JFNRNKNK ]ZEFBC…………………………. 52
Enobnk : FJXXDK FJNUKW ANXBF XWZGB FN]NKONK ]NGN EN]]JFB
EN]]JFBWENKO
WENKO
CDWN ENKGZKO………………………………………………………..
ENKGZKO……………………………………………………….... 8>
:.>. ]jrnk Cjpj`b`pbknk………………………………………………….. 8>
:.5. Bkdvnsb ]jfnynknk………………………………………………………. 85
:.8. Cd`pjtjksb gnk pj`ejrgnynnk XG@…………………………….. 85
:.7. ]j`enkouknk Ijinrbko Cjrin gnk Cdfnedrnsb ]j`nkocu
Cjpjktbkonk ……………………………………………………………… 88
:.:. ]jkjrnpnk @nknij`jk Cbkjrin……………………………………… 88
:.<. ]jkjrnpnk @nknij`jk Ubsbcd……………………………………….. 87
:.?. ]fnkkbko & Eugojtbko………………………………………………….. 87
:.1. ]j`nklnntnk Wjckdfdob……………………………………………….. 8:
bv
GNLWNU
WNEJF
WNEJF
v
GNLWNU
ON@ENU
ON@ENU
vb
]UDLBF
`jrntn.
]jkhnpnbnk `bsb > gbgucuko dfja tuiunk gnk snsnrnk
ynko gnpnt gbfbant pjkhnpnbnkkyn gnrb bkgbcntdr cbkjrin.
Ngnpuk tuiunk, snsnrnk gnk bkgbcntdr cbkjrin ynko
`jkgucuko `bsb > gnpnt gbijfnscnk sjhnrn sbkocnt
sjenonb ejrbcut9
N. Wuiunk
Wuiunk
Wuiunk ynko bkobk gbhnpnb gnfn` `bsb `j`enkouk
`nsynrncnt ynko au`nkbs, non`bs, ejrcunfbtns gnk
ejrgnyn snbko ngnfna `j`enkouk `nsynrncnt Cdtn
Enkguko ynko `nkgbrb gjkonk in`bknk pjkgbgbcnk,
E. Xnsnrnk
Gnfn` rnkocn pjkhnpnbnk tuiunk gnrb `bsb > gb ntns,
`ncn gnpnt gbfbant gnrb urnbnk snsnrnk strntjobs
gbenwna bkb9
>. @jkbkocntkyn Cunfbtns ]jkgbgbcnk @nsynrncnt
@nsynrncnt
Ngnpuk bkgbcntdr ynko `jkoon`enrcnk
pjkhnpnbnk cbkjrin tjrcnbt `jkbkocntkyn cunfbtns
pjkgbgbcnk `nsynrncnt gb Cdtn Enkguko ngnfna
Anrnpnk Fn`n Xjcdfna, Nkocn Cjfufusnk, Untn-rntn
Kbfnb Ansbf Zibnk XG gnk Untn-rntn Kbfnb Ansbf Zibnk
X@].
X@].
@jkbkocntkyn Gjrnint Cjsjantnk @nsynr
5. @nsynrncnt
ncnt
Ngnpuk bkgbcntdr ynko `jkoon`enrcnk
pjkhnpnbnk cbkjrin tjrcnbt `jkbkocntkyn gjrnint
cjsjantnk `nsynrncnt ngnfna Z`ur Anrnpnk
Abgup.
5. @jwuiugcnk Wntn Cjfdfn ]j`jrbktnank ynko @jfnynkb,
N. Wuiunk
N. Wuiunk
Wuiunk ynko bkobk gbhnpnb gnfn` `bsb `j`enkouk
pjrjcdkd`bnk ynko `nkgbrb, cdcda, gnk ejrcjngbfnk
ngnfna tjrhbptnkyn pjrtu`euank jcdkd`b ynko `niu,
ejrcjfnkiutnk gnk ejrcjngbfnk, ynko gnpnt gbfbant
ntnu gbucur gnrb pjkhnpnbnk bkgbcntdr cbkjrin Fniu
]jrtu`euank Jcdkd`b gnk Bkgjcs Obkb Cdtn Enkguko.
Enkguko.
E. Xnsnrnk
Ejrcunfbtns
Ngnpuk bkgbcntdr ynko `jkoon`enrcnk
pjkhnpnbnk cbkjrin tjrcnbt `jkbkocntkyn
bklrnstructur cdtn tjrpngu gnk ejrcunfbtns ngnfna
Fn`n Ojknkonk ynko tjrtnkonkb pngn Wbtbc
Ojknkonk, Iu`fna Nspjc ]jkyjene Cj`nhjtnk,
gnk ]jrsjktnsj Funsnk Cnwnsnk Cu`ua.
8. @jkbkocntkyn Fnynknk Nbr Ejrsba
Ngnpuk bkgbcntdr ynko `jkoon`enrcnk
pjkhnpnbnk cbkjrin tjrcnbt `jkbkocntkyn fnynknk
nbr ejrsba ngnfna Hncupnk Fnynknk Nbr Ejrsba.
7. @jkbkocntkyn Cunfbtns Fbkocukonk Abgup Cdtn
Enkguko
Ngnpuk bkgbcntdr ynko `jkoon`enrcnk
pjkhnpnbnk cbkjrin tjrcnbt `jkbkocntkyn cunfbtns
fbkocukonk abgup Cdtn Enkguko ngnfna Bkgjcs
Cunfbtns Fbkocukonk Abgup gnk Hncupnk Fnynknk
Wnejf >
>
Bsu Xtrntjobs gnfn` ]jrjkhnknnk ]j`enkouknk Gnjrna, ]jkjfbtbnk
gnk ]jkoj`enkonk gb Cdtn Enk
Enkguko
guko
ENOBNK 5
GJXCUB]XB CBKJUIN EN]]JFBWENKO
CDWN ENKGZKO
On`enr 5.
5. Xbstj` Bkldr`nsb ]jrjkhnknnk gnk ]jkonkoonrnk
(XBUN) Cdtn Enkguko
On`enr 8.
8. Xbstj` j-@usrjkenko Cdtn Enkguko
j-Ujsjs
j-Ujsjs
On`enr 7.
7. Xbstj` j-Ujsjs Cdtn Enkguko
On`enr :.
:. Xbstj` j-@dkjv Cdtn Enkguko
On`enr <.
<. Xbstj` j-Fbtenko Cdtn Enkguko
Wnejf 5
Wuiunk gnk Xnsnrnk Enppjfbtenko gn fn` rnkocn pjkhnpnbnk \bsb gnk @bsb U]I@G Cdtn Enkguko
Wnauk 5=>1-5=58
5=>1-5=58
BKGBCNWD BKGBCNWD
K @BXB WZIZNK XNXNUNK WZIZNK BKGBCNWDU XNXNUNK BKGBCNWDU
U U
D (U]I@G) (U]I@G) (U]I@G) (UJKXWUN) (UJKXWUN) (UJKXWUN) (UJKXWUN)
(U]I@G) (U]I@G)
> @jwuiugcnk Wjrfncsnknky Bkgjcs @jkbkocntky Kbfnb @jkbkocntkyn Kbfnb @jkbkocntky Kbfnb XNCB] Cdtn
tntn cjfdfn n rjldr`nsb Ujldr`nsb n cnpnsbtns Jvnfunsb cunfbtns gnk Hnpnbnk pjkhnpnbnk Cd`pdkjk
pj`jrbktnank ebrdcrnsb ynko Ebrdcrnsb gnk NCB] Cdtn b`pfj`jktnsb ]jrjkhnknn cbkjrin ]jrjkhnknnk
ynko`jfnynk jljctbl gnk ncuktnebfbtns pjrjkhnknnk k gnk pjrjkhnknnk Cbkjrin
, jljctbl, jlbsbjk cbkjrin pj`enkoukn ]jkoucurnk pj`enkoukn Kbfnb XNCB] Cdtn
jlbsbjk gnk ebrdcrnsb k Cbkjrin k Cd`pdkjk
ejrsba ]jkoucurnk
Cbkjrin
@jkbkocntkyn ]jrsjktnsj
Cunfbtns Bkgbcntdr Xnsnrnk
]jkojkgnfbnk U]I@G tjrhnpnb
]jrjkhnknnk ntnu `jfjebab
]j`enkoukn tnrojt tnauknk
k
@jkbkocntkyn ]jrsjktnsj ansbf
pj`nklnntnk cnibnk ynko
gdcu`jk gbrjcd`jkgnsbcn
fbtenko gnfn` k sjenonb gnsnr
pj`enkoukn pjru`usnk
k cjebincnk
gnjrna
]jrsjktns @jkbkocntkyn Bkgjcs @jkbkocntkyn Bkgjcs Cjpunsnk
j D]G Cbkjringnk Cjpunsnk Cbkjrin gnk @nsynrncnt
gjkonk ]jfnynknk @nsynrncnt ]jfnynknk
Kbfnb BC@ Enppjfbtenko Enppjfbtenko
Enbc
Xu`ejr 9 Ujkstrn Enppjfbtenko Cdtn Enkguko Wnauk 5=>1-5=58
Wnejf 8
8
Bkgbcntdr Cbkjrin Ztn`n Enppjfbtenko Cdtn Enkguko
Wnauk 5=>1 - 5=58
KD
KD XNXNUNK BKGBCNWDU CBKJUIN CJW.
Kbfnb XNCB] Cdtn
@jkbkocntkyn Cd`pdkjk BCZ
cbkjrin pjkhnpnbnk ]jrjkhnknnk Cbkjrin
>
pjrjkhnknnk Kbfnb XNCB] Cdtn
pj`enkouknk Cd`pdkjk ]jkoucurnk BCZ
Cbkjrin
@jkbkocntkyn
Cunfbtns ]jrsjktnsj Bkgbcntdr
Xnsnrnk U]I@G
5 ]jkojkgnfbnk tjrhnpnb ntnu `jfjebab BCZ
]jrjkhnknnk tnrojt
]j`enkouknk tnauknk
@jkbkocntkyn
]jrsjktnsj ansbf cnibnk
pj`nklnntnk
ynko gbrjcd`jkgnsbcnk
gdcu`jk fbtenko
8 sjenonb gnsnr BCZ
gnfn`
pjru`usnk
pj`enkouknk
cjebincnk
gnjrna
@jkbkocntkyn
Wnejf 7
7
Wuiunk gnk Xnsnrnk Inkocn @jkjkona Enppjfbtenko Cdtn Enkguko
Wnauk 5=>1-5=58
5=>1-5=58
gdcu`jk gbrjcd`jkgnsbcnk
sjenonb gnsnr
fbtenko gnfn`
pjru`usnk cjebincnk >==% >==% >==% >==% >==%
pj`enkouknk
gnjrna
@jkbkocntkyn @jkbkocntkyn Bkgjcs Cjpunsnk
Bkgjcs @nsynrncnt
Cbkjrin gnk ?2,>? Cbkjrin gnk
Cjpunsnk ?1,>? ?1,75 ?1,<? ?1,25 ?2,>?
]jfnynknk ]dbk ]jfnynknk
@nsynrncnt ]dbk ]dbk ]dbk ]dbk ]dbk
Enppjfbtenko
Enppjfbtenko Enppjfbtenko
Xu`ejr 9 Ujkstrn Enppjfbtenko Cdtn Enkguko Wnauk 5=>1-5=58
Wnejf :
]jkhnpnbnk Cbkjrin ]jfnynknk Engnk ]jrjkhnknnk ]j`enkouknk, ]jkjfbtbnk gnk
]jkoj`enkonk Cdtn Enkguko sn sn`pnb
`pnb gjkonk Wnauk cj 7 (5=>?)
(5=>?)
Wnrojt Ujkstrn Wnauk cj- Hnpnbnk Wnauk cj-
Bkgbcntdr Cbkjrin sjsunb Wuons gnk Wnrojt Wnrojt Wnrojt Ujnfbsnsb Wnauk cj- (%)
KD (%) (%)
Lukosb ]jrnkocnt Gnjrna KX]C BCC BCZ
> 5 8 7 : > 5 8 7 : > 5 8 7 :
(>) (5) (8) (7) (:) (<) (?) (1) (2) (>=) (>>) (>5) (>8) (>7) (>:) (><) (>?) (>1) (>2) (5=)
1. Kbfnb jvnfunsb NCB] :1 <7 ?= - - :1,8: << <<,:? - >==,<= >=8.>8 2:.==
-
]jrsjktnsj ]jkuruknk Wj`unk
2. - - >= - - - - >= - - - - -
E]C/Bkspjctdrnt
]jrsjktnsj Wj`unk ]jkojfdfnnk
>=. >== >== - - - >== >== - - >== >==.== - -
Nkoonrnk yo Gbtbkgncfnkiutb
>>. Bkgjcs Cjpunsnk @nsynrncnt (BC@) ?> ?8 ?: ?? ?? ?7,<: ?8.18 ?:,>8 ??,>1 >=:,>7 >=>.>7 >== >==,58
ENOBNK 8
CJR XZHHJXX LNHWDUX CBKJUIN
EN]]JFBWENKO CDWN ENKGZKO
Cjejransbfnk hnpnbnk
cbkjrin Enppjfbtenko Cdtn
Eb`n tbgnc tjrfjpns gnrb
ejejrnpn lnctdr cukhb
nktnrn fnbk 9
>. Gb`ufnb gnrb pjrnk cjpj`b`pbknk trnksldr`nsbdknf gnk \bsbdkjr.
Wrnksldr`nsb cbkjrin pjfnynknk puefbc gb`ufnb sjinc pjrbdgj
cjpj`b`pbknk Enpnc Ubgwnk Cn`bf sjenonb _nfbcdtn Enkguko
ynko cj`ugbnk gbfnkiutcnk dfja cjpj`b`pbknk Enpnc Dgjg
@uan``ng Gnkbnf. \bsb pj`enkouknk ynko `jkinwne
cjeutuank `nsynrncnt gbtjrij`nacnk gnk gbfncsnkncnk sjhnrn
ldcus gnfn` tnanpnk-tnanpnk pjrjkhnknnk pj`enkouknk ynko
cdksbstjk gnk ejrcjfnkiutnk. Wbgnc inrnko cbtn `jkgjkonr enawn
pngn gnjrna-gnjrna fnbkkyn iuon `j`bfbcb vbsb pj`enkouknk ncnk
tnpb tbgnc `n`pu gbcnwnf gnk gbfncsnkncnk gjkonk enbc cnrjkn
cjtbngnnk cjpj`b`pbknk trnksldr`nsbdknf gnk fjeba pngn
trnksncsbdknf.
5. Ejrinfnkkyn cjebincnk gnk `nknij`jk NXK ynko ejrgnsnrcnk
pngn cunfblbcnsb, cd`pjtjksb, gnk cbkjrin, ynko gbejrfncucnk
sjhnrn ngbf gnk wninr gjkonk tnkpn gbscrb`bknsb (@jrbt Xystj`).
Cjsnk ynko enbc gnrb prdsjs bktjrncsb gnk gbscusb ynko gbenkouk
gjkonk pbanc npnrntur enawn Enppjfbtenko Cdtn Enkguko
`j`bfbcb npnrntur ynko prdljsbdknf gnk cd`pjtjk gbebgnkokyn.
Xjabkoon gnpnt gbcntncnk enawn lnctdr cukhb cjejransbfnk cbkjrin
CJEJUFNKOXZKONK CJZKOOZFNK
ENOBNK 7 XWUNWJOB GNK @NKNIJ@JK CBKJUIN
]JFNRNKNK ]ZEFBC
ynko ijfns gnk ldhus uktuc `jrnbakyn `jrupncnk snfna sntu lnhtdr
cukhb cjejransbfnk `jkbkocntkyn cbkjrin pjfnynknk ynko gbejrbcnk
dfja ]j`jrbktna Cdtn Enkguko pngn u`u`kyn gnk D]G
Enppjfbtenko pngn caususkyn. Lnctdr cukhb fnbkkyn ejrcnbtnk
gjkonk pjrnk cjpj`b`pbknk ngnfna tjrfjtnc pngn 9
>. Cj`n`punk
Cj`n`punk pngn fjvjf cjebincnk gnk tjckbs D]G uktuc
`jkjrij`nacnk npn ynko `jkingb cjeutuank ]b`pbknk
gnjrna uktuc `jfnynkb rncyntkyn gjkonk enbc3
5. Cj`n`punk
Cj`n`punk pngn fjvjf cjebincnk gnk tjckbs D]G uktuc
`jkocd`ukbcnsbcnk npn ynko `jkingb cdksjp sdfusb cjpngn
]b`pbknk gnjrna nonr `ugna gb`jkojrtb gnk gbtjrb`n
sjabkoon `jkgnpnt gucukonk pjkua
pjkua tjrangnp upnyn
pjruenank `nknij`jk cbkjrin pjfnynknk.
:.5. Bkdvnsb ]jfnynknk
Gnfn` upnyn uktuc `jkbkocntcnk cbkjrin pjfnynknk,
Enppjfbtenko Cdtn Enkguko tjfna `jkoj`enkocnk ejejrnpn