Prospectus

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a}+s tyf ljQLo ;+:yf ;DaGWfL P]g, @)&# adf]lhd ljQLo sfdsf/f]jf/ ug{]
Ufl/df ljsf; a}+s lnld6]8

-g]kfn /fi6« a}+saf6 ævÆju{sf] Ohfhtkq k|fKt /fli6«o:t/sf] ljsf; a+}s_
/lhi68{ s]Gb|Lo sfof{no nflhDkf6, sf7df08f}+ j8f g+= @
kmf]g g+= M 01-4445424/25/26/27/28
E-mail: info@garimabank.com.np, URL www.garimabank.com.np
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& jif{{ cjlw tyf jflif{s *=&% k|ltzt Aofhb/ ePsf] k|lt C0fkq ?=!,)))÷- c+lst d"Nosf !) nfv lsQfn] x'g cfpg] ?=! ca{ a/fa/sf] C0fkq
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tyf $)% -rfln; k|ltzt_ cyf{t\ $ nfv lsQf C0fkqn] x'g cfpg] s"n ?=$) s/f]8 C0fk"FhL /sd -;f] dWo] %% cyf{t @),))) lsQf C0fkq
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b/vf:t;fy k|lt C0fkq ?=!,)))÷— sf] b/n] -zt k|ltzt_ e'QmfgL dfu ul/Psf] .
sDkgLsf] g]6jy{ tyf k|lt z]o/ cfDbfgLdf ePsf] jf:tljs tyf k|If]lkt k|ltkmn b]xfo adf]lhd /x]sf] 5 M
jf:tljs -?=xhf/df_ ckl/is[t k|If]lkt-/sd ?= xhf/df_
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k|lt z]o/ g]6jy{ -?=_ 130.31 135.94 134.21 141.78 142.33 148.25 151.81
k|lt z]o/ cfDbfgL 18.53 21.32 17.82 23.26 22.46 22.39 22.20
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]
;"rLs/0f kZrft lwtf]kq ahf/df x'g] sf/f]jf/ d"No ghgfpg] x'Fbf o; ljj/0fkqsf] bkmf u * k]h g+= !$ df pNn]lvt hf]lvdx? ;d]tsf] cWoog
u/]/ dfq nufgL ;DaGwL lg0f{o lng ;'emfj ul/G5 .
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o; ljj/0fkqdf plNnlvt lwtf]kq ;fj{hlgs lgisfzgsf nflu tof/ ul/Psf] o; ljj/0fkqnfO{ lwtf]kq ;DaGwL sfg"g adf]lhd g]kfn lwtf]kq af]8{n]
:jLs[lt k|bfg u/]s]f 5 . o;/L af]8{n] ljj/0fkqdf :jLs[lt k|bfg u/]sf] sf/0faf6 s;}n] klg g]kfn lwtf]kq af]8{, sDkgL /lhi6«f/sf] sfof{no jf ;Da4
cGo lgodg lgsfon] ljj/0fkqdf plNnlvt s'/fsf] ;Totf jf lgisfzgstf{ jf cfof]hgfsf] cfly{s ;Ifdtfsf] jf/]df s'g} k|sf/sf] k|Tofe"t u/]sf] jf
lhDd]jf/L lnPsf] dfgLg] 5}g .
O:o'c/ /]l6Ë ;DaGwL ljj/0f
o; ul/df ljsf; a}+s lnld6]8nfO{ Oqmf g]kfn lnld6]8n] ldlt @)@!÷)^÷@# df æ;dodf ljQLo bfloTj k'/f ug{ ;Sg] ;DaGwdf dWod hf]lvd /xg]
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ldltaf6 Ps jif{ cyf{t @)@@÷)^÷@@ ;Dd /xg]5 . Oqmf g]kfn ln= n] [ICRANP-IR] AAA b]lv [ICRANP-IR] D ;Ddsf] /]l6Ë k|bfg ub{5 .
h;df /]l6Ë "[ICRANP-IR] AA" n] ;sf/fTds cfwf/ hgfpF5 eg] "[ICRANP-IR] D" n] gsf/fTds cfwf/x¿ hgfpF5 .
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
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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}+ssf] ;DklQdf l4tLo 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] ldlt M @)&*÷)&÷!& lgisfzg v'Nnf x'g] ldlt M @)&*÷)*÷!^
sDkgL /lhi6«f/sf] sfof{nodf ljj/0fkqbtf{ ePsf] ldlt M @)&*÷)&÷#) lgisfzg aGb x'g] ldlt -l56f]df_ M @)&*÷)*÷@)
g]kfn /fi6« a}+sdf ljj/0fkq btf{ ePsf] ldlt M @)&*÷)&÷#) lgisfzg aGb x'g] ldlt -l9nf]df_ M @)&*÷)(÷)!
g]kfn lwtf]kq af]8{af6 :jLs[t ljj/0fkq lgisfzg tyf laqmL k|aGwssf] ebsite : www.niblcapital.com, lgisfzgstf{ sDkgLsf] website :
www.garimabank.com.np ;fy} g]kfn lwtf]kq af]8{sf] website : www.sebon.gov.np af6 ;d]t x]g{ ;lsg]5 .
v= != ljj/0fkqdf k|of]u ePsf k|fljlws tyf cGo zAbfjnLsf] kl/efiff M
s_ æljj/0fkqÆ eGgfn] lwtf]kq ;DaGwL P]g, @)^# sf] bkmf #) tyf sDkgL P]g, @)^# sf] bkmf @# cGtu{t k|sflzt
ljj/0fx? ePsf] k'l:tsfnfO{ ;Demg' kb{5 .
v_ ælwtf]kq lgisfzg tyf laqmL k|aGwsÆ eGgfn] PgcfO{laPn P; Soflk6n lnld6]8nfO{ ;Demg' kb{5 .
u_ æsDkgL÷ljQLo ;+:yfÆ eGgfn] lgisfzgstf{ sDkgL ul/df ljsf; a}+s lnld6]8nfO{ ;Demg' kb{5 .
3_ æ;+sng s]Gb|Æ eGgfn] ;fj{hlgs lgisfzgsf] nflu tof/ ul/Psf] ljj/0fkq / b/vf:t kmf/fd k|fKt ug{ ;lsg] tyf
b/vf:t kmf/fd ;fy /sd a'emfpg ;lsg] u/L tf]lsPsf ;+:yfnfO{ ;Demg' kb{5 .
ª_ ælgisfzg a}+sÆ eGgfn] ;fj{hlgs lgisfzgaf6 ;+sng x'g cfPsf] /sdnfO{ hDdf ug{sf] nflu tf] lsPsf] a}+sx?nfO{
;Demg' kb{5 .
r_ ælgodg lgsfoÆ eGgfn] g]kfn lwtf]kq af]8{, sDkgL /lhi6«f/sf] sfof{no tyf g]kfn /fi6« a}+snfO{ ;Demg' kb{5 .
5_ æ;+:yfks, ;~rfns, sfo{sf/L k|d'v tyf Joj:yfkgÆ eGgfn] ul/df ljsf; a}+s lnld6]8sf ;+:yfks, ;~rfns, k|d'v
sfo{sf/L clws[t tyf Joj:yfksLo txsf sd{rf/LnfO{ ;Demg' kb{5 .
h_ æaf]8{Æ eGgfn] lwtf]kq ;DaGwL P]g, @)^# sf] bkmf # adf]lhd :yfkgf ePsf] g]kfn lwtf]kq af]8{nfO{ ;Demg' kb{5 .
em_ æcfwf/e't z]o/wgLÆ eGgfn] a}+ssf] r'Qmf k"FhLsf] ! k|ltzt jf ;f] eGbf a9L z]o/ wf/0f u/]sf] z]o/wgLnfO{ ;Demg'
kb{5 .
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6_ æv'b ;DklQ d"NoÆ eGgfn] ul/df ljsf; a}Fs lnld6]8sf] jf;nftdf /xg] ;DklQsf] s'n hf]8df jfx\o bfloTjnfO{ 36fO{
sfod x'g cfpg] /sd ;Demg' kb{5 .
7_ æk|lt z]o/ cfDbfgLÆ eGgfn] k|lt z]o/ j/fj/ x'g cfpg] cfDbfgLnfO{ ;Demg' kb{5 .
v=@= ljj/0fkq tyf b/vf:t kmf/d k|fKt ug]{ / a'emfpg] :yfg M

l;=g+= ljj/0fkq k|fKt ug]{ :yfgsf] gfd / 7]ufgf
!= PgcfO{laPn P; Soflk6n lnld6]8, nflhDkf6, sf7df08f}+ / j]j;fO6 M www.niblcapital.com
@= ul/df ljsf; a}+s lnld6]8, nflhDkf6, sf7df08f}+ tyf o;sf] ;Dk"0f{ zfvf sfof{nox? / j]e;fO6 M
www.garimabank.com.np
#= g]kfn lwtf]kq af]8{sf] j]j;fO6 M www.sebon.gov.np
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tf]lsPsf zfvf sfof{nox? .
JolQmut tj/ (Private Placement) af6 laqmL ul/g] xsdf laqmL k|jGwsn] a}s;Fusf] ;xdtLdf vl/bstf{x? Vff]hL u/L
cfkl; ;xdtLdf ljt/0f ul/g] 5 .
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xfdLnfO{ ul/df ljsf; a}+s lnld6]8 tyf o;sf ;+:yfks÷;~rfnsx?n] pknAw u/fPsf] ljj/0f tyf hfgsf/Lx?sf]
cfwf/df To; ;+:yfsf] Joj:yfklso, 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[ltsf 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}+ .
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s=;~rfnssf] lhDd]jf/L tyf hjfkmb]lxtf ;DaGwL pb\3f]if0f M

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hfgsf/Lx?sf ;fy} lgisfzg tyf laqmL k|aGwsnfO{ lbPsf] ljQLo ljj/0f, cGo ljj/0f, hfgsf/L tyf sfuhftx?sf
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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? JolQmut 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?
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hfgsf/Lx? n'sfPsf 5}gf}+ .
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o; ul/df ljsf; 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 Joj:yfsf] kfngf ;DaGwL pb\3f]if0f 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,
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cGo ljj/0fx? g]kfn lwtf]kq af]8{, g]kfn :6s PS;r]Gh lnld6]8df tyf cGo lgodgsf/L lgsfox?df k]z u/]sf 5f}+
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3_ ;+:yfks, ;~rfns tyf sfo{sf/L k|d'v ;DaGwL pb\3f]if0f M

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k|d'v 5}gg\ .
u= ;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; a}+ssf]
;~rfns jf k|d'v sfo{sf/L clws[t 5}gg\ .
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bz jif{{ k'/f gePsf] ;+ul7t ;+:yfsf] ;~rfns jf k|d'v sfo{sf/L clws[t o; a}+ssf] ;~rfns jf k|d'v
sfo{sf/L clws[t 5}gg\ .
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-#_ ;+:yfsf] /lhi68{ 7]ufgf M o; sDkgLsf] /lhi6«8{ -s]Gb|Lo_ sfof{no afudtL c~rn, sf7df8f}+ lhNnf, sf7df8f}+
dxfgu/kflnsf, j8f g+ @, nflhDkf6 /x]sf] 5 .
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#^ a'4rf]s zfvf )%^–%#!%)$ &* pnf{af/L zfvf )@!–%$!@!$
#& Dffnkf]trf]s zfvf )%^–%##@&% &( afFof6f/L zfvf (*%&)^%$^%
#* lzjgu/ zfvf )%^–%(@$$$ *) d'lu{of zfvf )&!–$$)#)#
#( tNnf] uuguf}+8f zfvf )^!–%^!*)# *! wflbËj]zL zfvf )!–)%@)^%
$) nflhDkf6, zfvf )!–$$$%$@$ *@ ag]kf zfvf )!!–^^))*#
$! v}/]gL zfvf )&!–%&&!)@ *# xfQLuf}+8f zfvf )!–$#&##@^
$@ km;f{l6s/ zfvf )&!–$))@)* *$ l;d/f zfvf )%#–%@)$#%
*% Tffnrf]s zfvf )^!–%^@))# (^ sn}of zfvf )%#–%%))@%
*^ cQl/of zfvf )(!–%%)!$% (& hgsk'/ zfvf )$!–%()$^&
4
*& nDsL zfvf )(!–%$)%&! (* Odf8f]n zfvf )!–%@)@&$@
** 8'd|] zfvf )^%–%*)$($ (( s'n]Zj/ zfvf )!–$@*)^((
*( hf]/kf6L zfvf )!–$(!&^$* !)) 9'+u]wf/f zfvf )!–$**)!#^
() n]s;fO{8 zfvf )^!–%()!&@ !)! ;t'+un zfvf )!–$#!^$(@
(! 7d]n zfvf )!–%()^#(! !)@ k]K;Lsf]nf zfvf )!–%()*^!^
(@ u}8fsf]6 zfvf )&*–%)@#%# !)# d}tLb]lj zfvf )!–%()&$##
(# sf]6Lxjf zfvf )&!–%!$@)% !)$ u¶f3/ zfvf )!–^^#^$$@
($ rGb|k'/ zfvf )%%–%$)#$% !)% sf]xnk'/ zfvf )*!–%$!!$$
(% au/ zfvf )^!–%()%(@ !)^ uf]vf{ zfvf )^$–$@)*!*
-%_ ;+ul7t ;+:yfsf] :yfkgfsfn b]lv xfn;Ddsf] ;+lIfKt Oltxf; / ;+ul7t ;+:yfsf] d'Vo p2]Zox?M
ul/df ljsf; a}+s lnld6]8, sDkgL P]g, @)^# adf]lhd ldlt @)^$÷$÷@@ ut] g]kfn ;/sf/ sDkgL /lhi6«f/sf] sfof{nodf
btf{ e} ldlt @)^^÷)^÷@$ df g]kfn /fi6« a}+saf6 ljQLo sf/f]af/ ug{ Ohfht k|fKt u/L ldlt @)^^÷)^÷@$ b]lv ;+:yfn]
cfkm\gf] ljQLo sf/f]af/ ;+rfng ul//x]sf] 5 . a}+ssf] s]Gb|Lo sfof{no sf=d=g=kf=@, nflhDkf6, sf7df08f}+df /x]sf] 5 . o;
a}+ssf] ;+:yfksx?df ;/sf/L ;]jf Pj+ Joj:yfkgdf k|z:t cg'ej tyf nfdf] ;do b]lv bVvn ePsf k|ltli7t Joj;foLx?
/x]sf 5g\ .
g]kfn /fi6« a}+s P]g @)%*, a}+s tyf ljQLo ;+:yf ;DaGwL P]g @)&#, sDkgL P]g @)^# tyf cGo k|rlnt sfg"gsf] clwgdf
/xL ljQLo sf/f]af/ ug]{ sDkgLsf] d'Vo p2]Zox? b]xfo adf]lhd /x]sf 5g\M
-s_ a}+ssf lgIf]kstf{ tyf z]o/wgLsf] xs lxtsf] ;+/If0f / ;+jw{g ub}{ ;j{;fwf/0fnfO{ u'0f:t/Lo tyf e/kbf]{ ljQLo ;]jf
pknAw u/fpg],
-v_ s[lif, pBf]u, ;]jf, Jofkf/ tyf cGo Joj;flos ?kn] ;DefJo b]lvPsf pTkfbgzLn Joj;fosf] :yfkgf, ljsf;, lj:tf/ /
Ifdtf Pjd\ pTkfbsTj a[l4sf nflu cfjZos ljQLo ;fwg cfGtl/s tyf jfXo ;|f]taf6 h'6fO{ b]xsf] cf}Bf]lus, Jofkfl/s
Pj+ s[lif If]qsf] ljsf;df ultlzntf Nofpg ;xof]u k'¥ofpg],
-u_ pknAw lzk / >d tyf k"FhLnfO{ plrt kl/rfng ul/ u|fld0f tyf ;x/L If]qdf pTkfbg Pjd\ /f]huf/Ld'ns Joj;fosf]
:yfkgf, ;~rfng, ljsf;, lj:tf/ Pj+ k|j{4g ug]{ / ;f] sfo{sf] nflu cfjZos ljQLo ;fwg, k|fljlws tyf Joj:yfklso
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 ul/ ;+:yfut nufgL tyf :j:y k|lt:kwf{sf] dfWodaf6 ljQLo dWo:tfsf] ;]jf
pknAw u/fpg],
;fy}, o; a}+sn] k|bfg u/]sf] gub nfef+z tyf af]gz ;]o/ lgDgfg';f/ /x]sf] 5 .
s|=;= cfly{s jif{{ gub nfef+z -k|ltztdf_ af]g; ;]o/ -k|ltztdf_ hDdf -k|ltztdf_
! cf=j= @)^&.^* 18.00 - 18.00
@ cf=j= @)^*.^( 15.00 10.00 25.00
# cf=j= @)^(.&) 5.00 20.00 25.00
$ cf=j= @)&).&! 1.05 20.00 21.05
% cf=j= @)&!.&@ - 20.00 20.00
^ cf=j= @)&@.&# - 20.00 20.00
&& cf=j= @)&#.&$ - 15.00 15.00
* cf=j= @)&$.&% 3.75 10.00 13.50
( cf=j= @)&%.&^ 0.85 16.15 17.00
!) cf=j= @)&^.&& 0.71 13.5 14.21
-^_ ;+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 ;f] gePsf] .
-&_ cGo ljj/0fx? M
-s_ ;+ul7t ;+:yfn] 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 .
-v_ k|of]u ePsf] jf ul/g] k|ljlw M

a}+s ;]jf k|bfos sDkgL ePsf]n] dfly v08 -s_ df pNn]lvt ;]jf k|bfg ug{ cfjZos k|ljlw .
-u_ s'g} a|f08g]d, k|ltlnkL clwsf/, 6«]8dfs{, Ohfhtkq, k|fljlws ;xof]u ;Demf}tf / ;+ul7t ;+:yf;Fu ;DalGwt
af}l4s ;DklQ xs clwsf/ M ;f] gePsf] .
5
-3_ ;+ul7t ;+:yfn] cf]u6]sf] ahf/ If]qM
xfn ;Ddsf] tYofÍ cg';f/ s"n lgIf]k -ljb]zL d'b|fsf] lgIf]k ;lxt_ @)&& r}q d;fGt ;Dddf !$=&)Ü lx:;f
a}+ssf] /x]sf] 5 . ;fy}, shf{ tyf ;fk6 cGtu{t xfn;Dd a}+sn] @)&& r}q d;fGt ;Dddf s"n -/fli6«o :t/sf]
ljsf; a}+s * j6f_ ahf/sf] !$=$#Ü lx:;f cf]u6]sf] 5 . -ul/df ljsf; a}Fs lnld6]8sf] a}zfv d;fGtsf]
k|ltj]bg adf]lhd_
-ª_ 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 .
-r_ 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/fpFb} n}hfg]
a}+ssf] nIo /x]sf] 5 .
-5_ pTkfbg÷;+rfng Ifdtf / ;f] sf] pkef]u l:ylt M
a}+lsË If]qdf nfdf] cg'ej xfl;n ug{' ePsf ;~rfns tyf Joj:yfkgsf] bIftfsf] cfwf/df o; a}+sn] ;dfg
:t/sf cGo ;+:Yffx?sf] t'ngfdf :yfkgfsfn b]lv g} ahf/sf] /fd|f] lx:;f cf]u6\g / u|fxsnfO{ /fd|f] ;'ljwf k|bfg
ug{ ;kmn /x]sf] b]lvG5 .
-h_ sRrf kbfy{sf] >f]t, lsl;d / pknAwtf M ;f] gePsf] .
-em_ u'0f lgoGq0fsf] nflu ul/Psf] Joj:yf M
a}+sn] hf]lvd Joj:yfkg / Go"lgs/0fsf] nflu cfGtl/s n]vfkl/Ifs / hf]lvd Go"gLs/0fsf] nflu 5'§f5'§} ljefusf]
:yfkgf u/]sf] 5 .
-`_ cg';Gwfg tyf ljsf; M
g]kfnsf] a}+lsË tyf ljQLo If]qdf k|lt:kwf{Tds l:ylt /x]sf] cfhsf] cj:yfdf sDkgLn] cg';Gwfg tyf
ljsf;nfO{ pRr k|fyldstfsf ;fy cl3 a9fO{/x]sf] 5 .
-6_ ljut !@ dlxgfsf] cjlwdf ;+:yfsf] ;+rfngdf c;/ kg]{ u/L ePsf] jfwf, Jojwfg M
 Joj;fo lj:tf/df jfwf Jojwfg cfO{k/]sf] .
 sf]le8 !( sf] sf/0f b]zJofkL ePsf] aGbfaGbLsf cj:yfdf sltko Joj;fox? ;+rfngdf gx'Fbf shf{
c;'nLdf ;d:of ePsf] .
 zfvf tyf sfof{nox? lgoldt x'g g;Sbf ;Dk"0f{ ;Dk"0f{ a}lsª k|0flndf r'gf}tL ylkb} uPsf] .
-7_ dhb'/ ;+u7g;Fusf] ;DaGw / ljutdf s'g} cf}Bf]lus ljjfb ePsf] eP, ;f] ;DaGwL ljj/0fM
a}+ssf] dhb'/ ;+u7g gePsf] .
-8_ ahf/ k|lt:kwf{ / cGo ;dfg pBf]ux? aLr ;+ul7t ;+:yfsf] l:ylt M
cTowLs k|lt:kwL{ /x]sf] xfnsf] a}+lsË ahf/df ;kmntf k"j{s cfkm\gf] klxrfg :yflkt u/L u'0f:t/Lo a}+lsË
Joj;fo ;+rfng ul//x]sf] . o; ;DaGwdf a+}ssf] xfn;Ddsf] k|ult ljj/0f nufot at{dfg ahf/df a+}ssf]
cj:yfsf] k'i6L a}+}ssf] ljQLo ljj/0faf6 :ki6 ?kdf b]lvPsf] 5 / xfn * j6f /fli6«o :t/sf] ljsf; a+}sx? aLr
o; sDkgLsf] @)&* cfiff9 d;fGt ;Ddsf] ljj/0f b]xfo adf]lhd /x]sf] 5 M
qm=;+= ljj/0f ;du| ahf/df -/fli6«o :t/sf] lasf; a}+s_ a}+ssf] lx:;f k|ltzt -%_
df
! lgIf]k ;+sng 14.70%
@ shf{ tyf ;fKf6L 14.43%
# v"b d'gfkmf 11%
$ Jofh cfDbfgL 12.15%
% ;~rfng d'gfkmf 5.42%
a}+sn] lgisfzg ug{ nfu]sf] C0fkqsf] Jofhb/ *=&% k|ltzt /x]sf] / cjlw & jif{ /x]sf]n] o;df nufgL ug]{
nufgLstf{x?sf] nflu pRrtd k|ltkmn x'g] x'gfn] a}+sn] hf/L ug]{ nfu]sf] C0fkqn] nufgLstf{nfO{ cfs{if0f ug{
;Sg]5 .
-9_ k|d'v u|fxsx?sf] ljj/0f -h:t}—;+:yfsf] s"n sf/f]af/df !)% 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
gePsf] .
-0f_ k|d'v ;Knfo;{x?sf] ljj/0f -h:t}—;+:yfsf] s"n sf/f]af/df !)% 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 gePsf] .
6
-v_ ;DklQsf] ljj/0f M
-!_ ;+ul7t ;+:yfsf] pks/0f -KnfG6_ tyf cGo ;DklQ /x]sf] :yfg / pks/0f tyf ;DklQsf] cj:yf M
ljQLo ;+:yfsf] cf=j= @)&^÷@)&& sf] ;DklQsf] cj:yf tn pNn]v ul/P adf]lhd /x]sf] 5 .
sDKo'6/ hDdf cfiff9 hDdf cfiff9
lnh xf]N8 Oso'Kd]G6 /
ljj/0f hUuf ejg P08 ;jf/L ;fwg kmlg{r/ / lkmS:r/ d]l;g/L d;fGt @)&& - d;fGt @)&^ -
k|f]kl6{h cGo
P;];l/h ?=_ ?=_
Nfut
cf=j= @)&^
;Ddsf] z'?sf] - - 189,643,475 52,962,937 64,397,239 69,609,693 79,294,692 80,542,436 536,450,472 536,450,472
hDdf df}hbft
cf=j= @)&^ df - - 47,774,152 6,908,660 18,458,699 17,020,277 18,439,380 18,089,654 126,690,822 126,690,822
ePsf] yk
Acquisition 47,774,152 6,908,660 18,458,699 17,020,277 18,439,380 18,089,654 126,690,822 126,690,822
Capitalization - - - - - - - - - -
o; jif{sf] ljqmL - - - (54,740) - (568,802) (1,046,731) (426,624) (2,096,897) (2,096,897)
Adjustment/ - - - - - - - - - -
Revaluation
cf=j= @)&&
;Ddsf] z'?sf] - - 237,417,627 59,816,857 82,855,938 86,061,168 96,687,341 98,205,466 661,044,396 661,044,397
hDdf df}hbft
Depreciation
and
Impairment
cfiff9 !, @)&% - - 32,184,499 20,028,956 15,857,735 21,986,066 18,796,735 21,873,603 130,727,595
;f]xL jif{sf] x|f; - - 18,325,280 9,803,894 11,786,729 6,031,898 7,204,990 11,869,787 65,022,579
s6\6L -@)&%.&^_
Impairment - - - - - - - -
for the year
laqmL ul/Psf] - - - (38,962) (874,794) (13,689) (107,264) (631,042) (1,665,750)
cf=j= @)&^
cfiff9 d;fGt 50,509,779 29,793,888 26,769,670 28,004,276 25,894,462 33,112,348 194,084,424
;Dd
Depreciation
Charge for - - - - - - - -
the year
2076.77
Impairment - - 22,198,313 9,697,943 11,610,586 8,799,591 9,309,911 15,625,252 77,241,596
for the year
ljqmL ul/Psf] - - - (50,040) - (441,283) (740,251) (287,408) (1,518,981)
;dfof]hg - - - - - - - - -
cf=j= @)&& 72,708,092 39,441,791 38,380,256 36,362,584 34,464,122 48,450,192 269,807,037 194,084,424
cfiff9 d;fGt
Capital WIP
17,321,964
2076
Net Book
Value as on
156,455,660 23,169,049 37,627,568 41,605,417 53,400,230 47,430,088 359,688,011 359,688,011
Ashadh end
2076
Net Book
Value as on
164,709,535 20,375,066 44,475,682 49,698,584 62,223,219 49,755,274 391,237,359 466,959,973
Ashadh end
2077
dfly pNn]lvt ;DklQ o; a}+ssf] d'Vo sfof{no Pj+ zfvfx?df cjl:yt /x]sf 5g\ .
-@_ aF"bf -!_ 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 pQm a'Fbfdf pNn]lvt ;DklQ sDkgLsf] cfkm\g} :jfldTjsf] xf] .
-#_ olb ;DklQ ;+ul7t ;+:yfsf] :jfldTjdf /x]sf] ePdf pQm ;DklQ dfly s'g} lnog jf df]6{u]h eP ;f] ;DaGwL ljj/0fM
gePsf].
-$_ 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; sDkgLsf] OlSj6L nufgL ahf/ d"Nodf d"Nofªsg ul/Psf] 5 eg] cGo ;DklQsf] k'gM d"Nofªsg
ul/Psf] 5}g .
-%_ ;DklQsf] d"Nof+sg ul/Psf] t/Lsf ;DaGwL ljj/0f M hUufsf] d"NofÍg z'?sf] v/Lb d'No cg';f/, z]o/sf] d"NofÍg
ahf/ d'No cg';f/ / af+sL ;DklQsf] lgodfg';f/ x|f;sl§ u/L n]vfÍg ul/Psf] 5 .
-u_ efjL of]hgf tyf /0flglt M
-!_ Joj;fo÷;]jfsf] a[l4sf nflu ;+:yfsf] efjL of]hgf / To:tf] of]hgfsf] k|flKtsf nflu rflng] ;doj4 /0fgLltM
s_ gofF pTkfbg tyf ;]jfx? M cfkm\gf u|fxsju{sf] cfjZostf / ck]IffnfO{ b[li6ut u/L tb\cg'?k ;]jf k'¥ofpg /
k|lt:kwL{ aLr cfkmgf] 5'§} klxrfg agfpg a+}sn] ljleGg gof+ pTkfbg tyf ;]jfx? k|rngdf Nofpg] k|s[of z'?
u/]sf] 5 .;fy} u|fxs d}qL ;]jf pknAw u/fpb} hfg] of]hgf a}+ssf] /x]sf] 5 .
v_ zfvf ;~hfn M a+}ssf] kx'+r gePsf 7fpFx?df cfkmgf] pkl:ylt hgfp+b} hfg] p2]Zon] cfjZostf cg';f/ zfvf
;~hfn a9fp+b} n}hfg] a}+ssf] sfo{qmd 5 .
7
u_ 8]lj6 s|]l86 sf8{ M ahf/df cfkmgf] alnof] pkl:yltnfO{ sfod /fVg cfkmgf] sf8{ Joj;fonfO{ Jofks?kdf lj:tf/
ub}{ hfg] k|of;df a}+s nfu]sf] 5 . cfkm\gf] /fli6«o e'QmfgL ;+hfndf ;b:o ;+Vof a9fpFb} n}hfg a}+s k|oTgzLn 5 .
o; af6 a+}ssf] u|fxs ;+Vof / cfDbfgL j[l4df ;xof]u k'Ug] 5 .
3_ Pl6Pd ;+hfn M cfkm\gf] u|fxsju{x?nfO{ al9 ;'ljwf k|bfg ug]{ a+}ssf] /0fgLltcg'?k pkTosfleq tyf aflx/ Pl6Pd
h8fg ub}{ hfg] of]hgf a}+ssf] /x]sf] 5 .
ª_ ;"rgf k|ljlwdf cfwfl/t ;]jf M a}+sn] gljgtd k|ljlwsf] dfWodaf6 cfkm\gf] u|fxsx?nfO{ d"No clej[l4 ;]jfx? k|bfg
ug]{ Wo]o /fv]sf] 5 .
r_ ljk|]if0f M ljk|]if0f Joj;fodf cfkmgf] ahf/ c+z a9fp+b} n}hfg a}+sn] cfjZostf cg';f/ b]z e/L ljk|]if0f ljt/s
Ph]06 k'¥ofpg] of]hgf u/]sf] 5 .
5_ cGo Joj;foM o; a}+sn] n3'ljQ nufotsf cGo If]qdf nufgL u/]sf] 5 . o;af6 a}+ssf] cfDbfgL a[l4sf ;fy}
;+s'lrt x+'b} uPsf] dflh{gdf ;d]t ;'wf/ cfpg] ck]Iff ug{ ;lsG5 . a}Fsn] dr]{G6 a}lsª ;DaGwL sfo{ ug{sf nflu
;xfos sDkgL :yfkgf÷k|flKt ug]{ ;DalGw k|lqmof cufl8 a9fPsf] 5 .
-@_ k|lt:kwf{, ljBdfg cfly{s l:ylt / ;dfg lsl;dsf] pBf]usf] l:yltsf] cfwf/df ;+ul7t ;+:yfsf] Joj;fosf] eljioM
Psftkm{ ljutdf 5f]6f] cjlwdfg} w]/} a}+s tyf ljQLo ;+:yfx? :yfkgf eO{ ;+rfngdf cfO{;s]sf 5g\ . of] kl/l:yltn]
ubf{ b]zsf] a}+lsË jftfj/0f k|lt:kwf{Tds 5 eg] csf{] tkm{ b]zn] ckgfPsf] v'nf cfly{s gLltn] nufgLstf{x?nfO{
ljleGg If]qdf nufgL ug{] cj;/x? k|fKt ePsf 5g\ . xfn ljZjJofkL dxfdf/Lsf] ?kdf km}ln/x]sf] -COVID-19_
;+qmd0fsf] sf/0fn] ubf{ /fli6«o tyf cGt/fli6«o cy{tGqdf g} ulx/f] c;/ kl//x]sf] 5 . o;} aLr ljut s]xL ;do
otf b]vf k/]sf] b]zsf] cfly{s l:yltsf] af/]df s]xL lrlGtt x'g'kg{] l:ylt 5 . of] cj:yfn] b]zsf] a}+lsË Joj;fo /
cy{tGqnfO{ klg k|efj kfg]{ b]lvPsf]5 . b]zsf] a}+lsË Joj;fo aLrsf] k|lt:kwf{, ljBdfg cfly{s l:ylt / xfn ;Ddsf
lbgx?df a}+lsË If]qn] pT;fxhgs ;kmntf kfO{/x]sf] cfwf/df o; a}+sn] :yfkgfsf] 5f]6f] cjlwdf g} u|fxsx?sf]
rfxgf / cfjZostf cg';f/sf :t/Lo u|fxsf]Gd'v ;]jf tyf ;'ljwfx? k|bfg u/]/ pknJw >f]t / ;fwgsf] pko'St
kl/rfng u/L t'ngfTds ?kdf pT;fxhgs pknlAw xfl;n u/]sf] 5 . To; sf/0f a}+ssf] ljBdfg pknlAwx? Pj+
k|:t't efjL of]hgfx?sf] cfwf/df a+}ssf] eljio ;'9[9 x'g] b]lvG5 . ;fy} a+}sn] /fli6«o tyf cGt/fli6«o ;/sf/L tyf
u}/ ;/sf/L ;+3;+u7g, sDkgL, JolQm / ;+3 ;+:yfx? tyf cGo ;a} ;/f]sf/jfnfx?;Fu ;'dw'/ Joj;flos ;DaGw
sfod /fv]sf] / a}+ssf] cf}Bf]lus tyf Joj;flos ;DaGw ;dfhsf ;a} txdf kf/bzL{ / ;f}xfb{k"0f{ /x]sf]n] o;nfO{
lg/Gt/tf lbOg]5 .
o; ;DaGwdf a}+ssf] xfn;Ddsf] k|ult ljj/0f nufot at{dfg ahf/df a}+ssf] cj:yfsf] k'i6L a}+ssf] ljQLo
ljj/0faf6 :ki6 ?kdf b]lvPsf] 5 .
-3_ ;~rfns ;ldltsf] ;+/rgf / k|ltlglwTj ;DaGwL Joj:yfM

o; a}+sdf & -;ft_ hgfsf] ;~rfns ;ldlt /x]sf] 5 . ;f] ;ldltdf ;d"xut k|ltlglwTj b]xfo adf]lhd x'g]5 M
æsÆ ;d"xsf ;+:yfks ;d"xsf z]o/wgLx?af6 dgf]lgt jf lgjf{lrt ;~rfnsx? # hgf
ævÆ ;d"xsf ;j{;fwf/0f ;d"xsf] z]o/wgLaf6 lgjf{lrt ;~rfnsx? # hgf
a}+s tyf ljQLo ;+Vof ;DaGwL P]g, @)&# sf] bkmf !$-#_ adf]lhd lgo'Qm :jtGq ;~rfns ! hgf
hDdf & hgf
;~rfnsx?sf] sfo{sfn $ jif{sf] x'g]5 .
;~rfns x'gsf] nflu lng'kg]{ Go"gtd z]o/ ;+Vof ;DaGwL Joj:yf M
o; a}+ssf] lgodfjnLsf] lgod !# df Joj:yf eP cg';f/ a}+ssf] ;~rfnssf] kbdf lgo'Qm x'gsf nflu cfk\mgf] gfddf
slDtdf !)) -Ps ;o_ lsQf z]o/ lnPsf] x'g' kg]{5 . t/ a}+s tyf ljQLo ;+:yf ;DaGwL P]g, @)&# sf] bkmf !$
adf]lhd lgo'lQm x'g] :jtGq ;~rfnssf] xsdf ;f] Joj:yf nfu" x'g] 5}g .
u=$= k"FhL ;+/rgf ;DaGwL hfgsf/LM
-s_ clws[t, hf/L tyf r'Qmf k"FhL / ;+:yfsf] :yfkgf kZrft ;f] df kl/jt{g ePsf] eP tT;DaGwL ljj/0f M
s_ clws[t k"FhL M a}+ssf] clws[t k"FhL ?=%,)),)),)),)))÷– -cIf]?kL kfFr ca{ dfq_ /x]sf] 5 . ;f] k"+hLnfO{ k|lt z]o/
?=!)) sf b/sf %,)),)),))) -kfFr s/f]8_ yfg ;fwf/0f z]o/df ljefhg ul/Psf] 5 .
v_ hf/L k"FhL M o; a}+ssf] tTsfn hf/L u/]sf] z]o/ kF"HfL ?=#,^&,%(,!@,%)!=)*÷– -cIf]?kL tLg ca{ ;t;¶L s/f]8
pgfG;f¶L nfv afx| xhf/ kfFr ;o Ps ?k}of, k};f cf7 dfq_ x'g]5 .
u_ r'Qmf k"FhL M o; a}+ssf] r'Qmf k"FhL ?=#,^&%(!@,%)!=)*÷– -cIf]?kL tLg ca{ ;t;¶L s/f]8 pgfG;f¶L nfv afx|
xhf/ kfFr ;o Ps ?k}of, k};f cf7 dfq_ x'g]5 .
8
sDkgLsf] :yfkgf kZrft\ clws[t, hf/L Pj+ r'Qmf k'FhLdf lgDg adf]lhd kl/jtg{ ePsf] 5M
cfly{s jif{ clws[t k"FhL -?=_ hf/L k"FhL -?=_ r'Qmf k"FhL -?=_ s}lkmot
@)^$÷)^% 100,000,000 50,000,000 26,500,000 –
@)^%÷)^^ 100,000,000 50,000,000 26,500,000 –
@)^^÷)^& 1,000,000,000 220,000,000 220,000,000 af]gz z]o/ dfkm{t a[l4
@)^&÷)^* 1,000,000,000 330,000,000 330,000,000 af]gz z]o/ dfkm{t a[l4
@)^*÷)^( 1,000,000,000 374,000,000 374,000,000 dh{/÷k|flKt
@)^(÷)&) 1,000,000,000 561,000,000 561,000,000 cfO{=lk=cf]= lgisf;g
@)&)÷)&! 1,000,000,000 711,000,000 711,000,000 af]gz z]o/ dfkm{t a[l4
@)&!÷)&@ 1,000,000,000 853,200,000 853,200,000 dh{/÷k|flKt
@)&@÷)&# 1,000,000,000 1,080,511,508 1,080,511,508 xsk|b lgisf;g
@)&#÷)&$ 3,000,000,000 2,204,243,476 2,204,243,476 af]gz z]o/ dfkm{t a[l4
@)&$÷)&% 3,000,000,000 2,534,879,997
#- 2,534,879,997 af]gz z]o/ dfkm{t a[l4
@)&%÷)&^ 3,000,000,000 2,788,367,997 2,788,367,997 af]gz z]o/ dfkm{t a[l4
@)&^÷)&& 5,000,000,000 3,238,689,428
- 3,238,689,428 af]gz z]o/ dfkm{t a[l4
@)&&÷)&* 5,000,000,000 -
#,^&%,(!@,%)! #,^&%,(!@,%)! af]gz z]o/ dfkm{t a[l4
v_ lgisfzg kl5sf] r'Qmf kF"hL -;d"xs[t ul/Psf] cj:yfdf ;f]xL cg'?k_ M C0fkq lgisfzg ug{' k"j{ a}+ssf] r'Qmf k"FhLsf]
;+/rgf b]xfo adf]lhd /x]sf] 5 .
c= z]o/ k"FhL
;d"x z]o/wgL Zf]o/ lsQf k"+hL ;+/rgf r'Qmf /sd ?= e'QmfgL k|ltzt
s ;+:yfks !,*&,$&,!%#=&%%% %!=))Ü !,*&,$&,!%,#&%=%% Zft k|ltzt
v ;j{;fwf/0f -sd{rf/Lx? ;d]t_ !,*),!!,(&!=@%%# $(=))Ü !,*),!!,(&,!@%=%# Zft k|ltzt
hDdf #,^&,%(,!@%=)!)* !))=))Ü #,^&,%(,!@,%)!=)*
C0fkq lgisfzg u/L afF8kmfF6 u/] kZrft a+}ssf] z]o/ k"FhL / C0f k"FhLsf] ;+/rgf b]xfo adf]lhd x'g]5 M
c= z]o/ k'FhL
;d"x z]o/wgL Zf]o/ lsQf k"h+ L ;+/rgf r'Qmf /sd ?= e'QmfgL k|ltzt
s ;+:yfks !,*&,$&,!%#=&%%% %!=))Ü !,*&,$&,!%,#&%=%% Zft k|ltzt
v ;j{;fwf/0f -sd{rf/Lx? ;d]t_ !,*),!!,(&!=@%%# $(=))Ü !,*),!!,(&,!@%=%# Zft k|ltzt
hDdf #,^&,%(,!@%=)!)* !))=))Ü #,^&,%(,!@,%)!=)*
cf= C0f k"FhL
ljj/0f r'Qmf /sd -?=_ e'QmfgL k|ltzt
æul/df l8j]Gr/, @)*%Æ ?=!,)),)),)),)))÷– lgisfzg k|s[ofdf
hDdf ?=!,)),)),)),)))÷–
-u_ z]o/ lk|ldod vftf -lgisfzg k"j{ / lgisfzg kZrft_ M cf=j @)&@÷&# df hf/L ul/Psf] xsk|b z]o/ k"0f{ ?kdf ljqmL
geO{ lnnfd a9fa9af6 ljqmL ul/Psf] / ;f] af6 k?=(&,)^*÷– lk|ldod /sd k|fKt ePsf] / lk|ldod vftfdf /flvPsf] . -
lgisfzg k"j{ / lgisfzg kZrft z]o/ lk|ldod vftfdf s'g} kl/jt{g x'g] 5}g _ .
u=%= ;+:yfks÷;~rfns ;DaGwL hfgsf/L M
-s_ ;+:yfks÷;~rfnssf] k[i7e"dL M
-!_ 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 Aofkf/÷Aoj;fodf cg'ej M
-v_ cfwf/e't z]o/wgLsf] ljj/0f M
l;=g+ Gffd, 7]ufgf of]Uotf /fli6«otf pd]/ cg'ej z]o/ :jfldTj
>L rGb|sfGt a/fn,
!= ;fIf/ g]kfnL 66 Jofkf/÷pBf]u 706,307.8978
k'DbLe'DbL–#, sf:sL
>L k|lbk s'df/ ?Ë6f,
@= cfO{=P;=;L= g]kfnL 56 Jofkf/÷pBf]u 821,725.3076
aL/u+h–&, k;f{
>L Zofd k|;fb a:ofn, Jofkf/÷;dfh ;]jf
#= k|lj)ftf k|df)fkq tx g]kfnL 46 622,566.9340
huqb]jL *, :ofª\hf
9
>L 5ljnfn s'Fj/,
$= ;fIf/ g]kfnL 45 Jofkf/÷;dfh ;]jf 528,256.7213
lkl8vf]nf–#,:ofª\hf
>L k|]d axfb'/ hL=;L=,
%= ;fIf/ g]kfnL 65 Jofkf/÷;dfh ;]jf 440,754.4483
;/fªsf]6–$, sf:sL
;~rfnsx?sf] ljj/0fM
k|:tfljt Jofkf/ z]o/
l; cg'ej Joj;fo :jfldTj
Gffd, 7]ufgf Kfb z}lIfs of]Uotf /fli6«otf pd]/
=g+ -k"j{ / xfn sfo{/t_ -;+:yfks÷
;j{;fwf/0f_
Jofkf/÷;dfh ;]jf,
>L Zofd k|;fb k|lj)ftf
–2065÷03÷27 b]lv
Jofkf/÷;dfh;]jf
!= a:ofn, huqb]jL cWoIf g]kfnL 46 xfn ;Dd o; a}+sdf 622,566.9340
k|df)fkq tx
*, :ofª\hf ;+rfnssf] kbdf
/xg'ePsf] .
sl/a 5 bzs
d]l*sn If]qsf]
cg"ej, dh{/k'j{
lrlsT;s
;fljs z"e]R%f ljsf;
8f=cfgGb k|;fb a}+s lnld^]*df 12 aif{
>]i7, goFf Pd=aL=aL=P;, 282,090.242
@= ;~rfns g]kfnL 76 cWoIfsf] lhDd]jf/L
afg]Zj/ #$, Pd=*L
jxg,
0
sf7df8f}+ –2073÷06÷04 b]lv
xfn ;Dd o; a}+sdf
;+rfnssf] kbdf
/xg'ePsf] .
dh{/k'j{ ;fljs
lgnlu/L ljsf; a}+s
>L lbk]Gb| >]i7 lnld^]*df ;+rfnssf] 241,418.761
#= ;~rfns :gftsf]Q/ g]kfnL 44 Jofkf/÷;dfh;]jf
a]lg ^, DofbL lhDd]jf/L jxg tyf 0
Aofkf/ Aoj;fodf
;+nUg
–Jofkf/ Aofj;fo,
dh{/ k'j{ ;fljs
lgnlu/L ljsf; a}+sdf
>L ladn kf08] ;+rfnssf] lhD]djf/L Jofkf/÷;dfh;]jf
$= lutfgu/ ^, ;~rfns :gfts g]kfnL 48 jxg, 19,204
lrtjg –2072÷03÷29 b]lv
xfn ;Dd o; a}+sdf
;+rfnssf] kbdf
/xg'ePsf] .
>L ;+hLj 9sfn, &]Ssfk§f ;DaGwL
%= ;~rfns ;fIf/ g]kfnL 69 Jofkf/÷;dfh;]jf 2,636
Kff]v/f &, sf:sL Jofj;fodf ;+nUg,
dlxnf ;"/Iff bjfj
>L ;/:jtL kf7s ;d"x (NGO) df ljQ
^= jUgf;sfnL *, ;~rfns :gftsf]Q/ g]kfnL 36 ;dfh;]jf !!#%
clws[t tyf
kfNkf ;dfh;]jfdf ;+nUg,
-@_ ;+:yfksx? s'g} sDkgL÷;+:yf ePdf To:tf] sDkgL÷;+:yfsf] gfd tyf 7]ufgf ;lxtsf] ;+lIfKt ljj/0f (Profile) / pQm
sDkgL÷;+:yfsf ;~rfnsx?sf] gfd, 7]ufgf, -k|fs[lts JolQm gv'n] ;Dd_ M ;f] gePsf]
-#_ ;+ul7t ;+:yfsf] ;~rfnsx? cGo s'g} sDkgL, ;+:yf, sf]if, ;+u7g;Fu cfj4 eP To:tf] ;~rfns / cfj4 ePsf] ;+:yfsf]
gfd, 7]ufgf M ;f] gePsf] .
10
-$_ ;+:yfks÷;~rfnssf] xs x:tfGt/0f aGb]h ;DaGwL ljj/0f M
o; a}+ssf] k|jGwkq÷lgodfjnLdf z]o/ vl/b jf x:tfGt/0f ug{ aGb]h ;DaGwL Joj:yf b]xfo adf]lhd x'g]5 M
s_ g]kfn /fi6« a}+ssf] k"j{ :jLs[lt glnO{ ljQLo ;+:yfsf] z]o/ s'g} ljb]zL a}+s jf ljQLo ;+:yfnfO{ laqmL jf x:tfGt/0f
ul/g] 5}g .
v_ g]kfn /fi6« a}+ssf] k"j{ :jLs[lt lnO{ ;+:yfks / ;j{;fwf/0f ;d"xsf] z]o/ :jfldTj cg'kftdf kl/jt{g ug{ kfOg] 5}g .
u_ ljQLo ;+:yfn] sf/f]af/ ;+rfng u/]sf] kfFr jif{ gk'u] ;Dd ;f] ;+:yfsf] ;+:yfksx?n] cfkm\gf] z]o/ laqmL jf
lwtf]aGws /fVg kfpg] 5}g / pQm cjlwkl5 To:tf] z]o/ laqmLubf{ jf lwtf] aGws /fVg' kbf{ g]kfn /fi6« a}+ssf] k"j{
:jLs[lt lng' kg]{5 . o; Joj:yf adf]lhd ljQLo ;+:yfn] sf/f]af/ ;+rfng u/]sf] kfFr jif{ gk'u]tf klg ljQLo
;+:yfsf] ;+rfngdf s'g} afwf Jojwfg pTkGg eO{ ljz]if kl/l:yltsf] ;[hgf x'g uPdf g]kfn /fi6« a}+ssf] :jLs[lt lnO{
;+:yfksx?sf aLrdf z]o/ vl/b laqmL ug{ ;lsg]5 .
t/, To;/L xs 5f]8\bf jf x:tfGt/0f ubf{ klxnf] k|fyldstf h'g ;d"x÷pk ;d"xsf] xf] ;f]xL ;d"x÷pk;d"xsf z]o/
wgLx?nfO{ lbg'kg]{5 . o;/L z]o/ laqmL ubf{ Ps eGbf a9L z]o/wgLn] z]o/ vl/b ug{ rfx]df lghn] wf/0f u/]sf]
z]o/sf] cg'kftdf ljt/0f ug'{kg]{ 5 . ;f] ;d"xsf s'g} klg ;+:yfks z]o/wgLn] z]o/ lng] OR5f gu/]df dfq To:tf]
z]o/ ;~rfns ;ldltsf] lg0f{o adf]lhd g]kfn /fi6« a}+ssf] :jLs[lt lnO{ cGo JolQm, kmd{, sDkgL jf ;+:yfnfO{ laqmL
ug{ ;lsg] 5 .
3_ s'g} z]o/wgLsf] d[To' ePdf jf cbfntsf] cfb]zn] lghsf] z]o/ xsjfnfdf gfd;f/L x'g] ePdf v08 -u_ sf] aGb]h
nfu" x'g] 5}g .
ª_ ;j{;fwf/0fn] z]o/ vl/b ubf{ Go"gtd !) lsQf jf !) c+sn] efu ubf{ z]if g/xg] u/L clwstd !),))) lsQf vl/b
ug{ ;lsg]]5 . t/, xsk|b z]o/ / af]g; z]o/sf] xsdf of] aGb]h nfu" x'g] 5}g .
r_ ljQLo ;+:yfsf ;~rfns, sfo{sf/L k|d'v, n]vfk/LIfs, ;lrj jf ljQLo ;+:yfsf] Joj:yfkg tyf n]vf ;DaGwLsfo{df
k|ToIf ?kn] ;+nUg JolQmn] To:tf] kbdf axfn /xFbfsf] avt jf To:tf] kbaf6 cjsfzk|fKt u/]sf] sDkgLdf Ps
jif{;Dd ljQLo ;+:yf jf To;sf] ;xfos sDkgLsf] z]o/ cfkm\gf] jf cfkm\gf] kl/jf/sf] lgoGq0fdf /x]sf] kmd{, sDkgL
jf ;+:yfsf] gfddf vl/b laqmL ug{, u/fpg, ug{ lbg, lwtf]aGws /fVg, /fVg nufpg jf bfg as; lng, lbg jf
n]gb]g ug{ x'Fb}g .
5_ s;}n] v08 -r_ sf] ljkl/t sfd u/]df To:tf] z]o/ ljQLo ;+:yfn] hkmt ug]{5 / To;/L hkmt ePsf] z]o/ ;~rfns
;ldltn] plrt 7x¥ofPsf] lsl;daf6 laqmL ljt/0f ug{ ;Sg]5 .
h_ z]o/ vl/b jf x:tfGt/0f ug{ aGb]h ;DaGwL cGo Joj:yf k|rlnt a}+s tyf ljQLo ;+:yf ;DaGwL sfg"g, sDkgL
sfg"g / lwtf]kq sf/f]af/ ;DaGwL sfg"g tyf cGo k|rlnt sfg"gdf pNn]v eP adf]lhd x'g]5 .
em_ ljQLo ;+:yfn] cfkm\gf] z]o/ cfkm} v/Lb ubf{ k|rlnt a}+s tyf ljQLo ;+:yf ;DaGwL P]g tyf k|rlnt sDkgL ;DaGwL
sfg"gdf ePsf] Joj:yfsf] cwLgdf /xL v/Lb ug]{5 .
`_ a}+ssf] s'g} z]o/wgLn] cfkm\gf] z]o/ csf]{ JolQmnfO{ laqmL u/]df z]o/ vl/b ug]{ JolQmn] To:tf] z]o/ bflvn vf/]h
ug{sf] lgldQ g]kfn /fhkqdf ;"rgf k|sfzg u/L tf]s]sf] 9fFrfdf tf]lsPsf] b:t'/, z]o/ vl/b laqmL;Fu ;DalGwt
lnvt / z]o/sf] k|df0fkq ;lxt a}+ssf] /lhi68{ sfof{nodf lgj]bg lbg' kg]{5 .
-v_ ;+:yfks÷;~rfns ;Fusf] sf/f]af/ M
!_ ;+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 afkt ;+ul7t ;+:yfn]
s'g} ;DklQ, ;]jf k|fKt u/]sf] jf ug]{ ePdf tT;DaGwL ljj/0f M jflif{s ;fwf/0f ;efaf6 kfl/t ;'ljwf afx]s cGo
s]lx ;'ljwf gePsf] .
@_ a'Fbf -v_ -!_ df pNn]lvt a:t' jf ;'ljwfsf] d"No lgwf{/0f ug{ ckgfOPsf] tl/sf M ;f] gePsf] .
u=^= ;Lldt bfloTj ;DaGwL ljj/0f M
o; a}+s sDkgL P]g, @)^# tyf a}+s tyf ljQLo ;+:yf ;DaGwL P]g, @)&# cGtu{t :yflkt tyf ;~rflnt klAns
lnld6]8 sDkgL xf] . o;df z]o/jfnfx?sf] bfloTj ;Lldt 5 . o; a}+ssf z]o/jfnfsf] bfloTj lghn] vl/b u/]sf] jf vl/b
ug{ saf]n u/]sf] z]o/sf] clwstd /sd ;Dd dfq ;Lldt /xg]5 .
u=&= ;+ul7t ;+:yfsf] sd{rf/L ;DaGwL ljj/0f M
-s_ ;+ul7t ;+:yfsf] pRr Joj:yfksLo txsf clws[t sd{rf/Lx? ;DaGwL ljj/0f M
-!_ ;+ul7t ;+:yfsf] pRr Joj:yfksLo txsf sd{rf/Lsf] gfd, of]Uotf, lgo'lQm ePsf] ldlt, klxn] u/]sf] sfdsf] cg'ej tyf
;+ul7t ;+:yfsf] z]o/ lnPsf] eP z]o/ ;+Vof ;DaGwL ljj/0f . ;fy} To:tf sd{rf/Lx? cGo s'g} ;"lrs[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]{ .
sfo{
qm=;= sd{rf/Lsf] gfd, 7]ufgf tx of]Uotf
cg'ej
–@)%# c;f/ b]lv @)^% efb| ;Dd
!= >L uf]ljGb k|;fb 9sfn k|d'v sfo{sf/L clws[t :gftsf]Q/ klZrdf~rn u|fld0f ljsf; a}Fsdf
clws[t b]lv al/i7 clws[t ;Ddsf] kbdf
11
/xL sfo{ u/]sf] cg'ej .
–@)^% efb| b]lv @)^% d+l;/ ;Dd ul/df
ljsf; a}Fsdf k|jGws b]lv zfvf k|d'v
;Ddsf] kbdf /xL sfo{ u/]sf] cg'ej .
–@)^% d+l;/ b]lv @)^^ c;f/ ;Dd
k|aGws b]lv sfodd'sfod k|d'v sfo{sf/L
clws[t ;Ddsf] kbdf /xL sfo{ u/]sf]
cg'ej .
–@)^^ ;fpg b]lv @)^& h]7 ;Dd al/i7
k|aGws b]lv sfodd'sfod k|d'v sfo{sf/L
clws[t ;Ddsf] kbdf /xL sfo{ u/]sf]
cg'ej .
–@)^& >fj0f b]lv xfn;Dd k|d'v
sfo{sf/L clws[tsf] kbdf /xL sfo{ u/]sf]
cg'ej .
-sl/j !% jif{sf]cWofkg÷k|Wofks cg'ej,
-2064.06.06 b]lv xfn ;Dd sDkgL ;lrj,
>L dfwj k|;fb gfoj k|d'v sfo{sf/L
@= :gftsf]Q/ zfvf k|d'v, k|zf;g k|d'v tyf qm]l86 l/se/L
pkfWofo clws[t ;ldltsf] ;+of]hssf] ?kdf ;d]t /xL sfo{
u/]sf] cg'ej .
–@)%$ >fj0f b]lv @)^# kf}if ;Dd
;fljs dWodf~rn u|fld0f ljsf; a}+s
ln=df clws[t b]lv ljefluo k|aGwssf]
kbdf /xL sfo{ u/]sf] cg'ej .
k|d'v–dfgj ;+zf]wg –@)^# df3 b]lv @)&# >fj0f ;Dd ;'j]Iff
#= >L ;Gh' k|;fb h};jfn :gftsf]Q/
ljefu ljsf; a}+s ln=df k|d'v k|jGws kbdf
–@)&$ efb« )$ ut] b]lv xfn;Dd
k|zf;g k|d'v / dfgj ;+zf]wg ljefu
k|d'v sf] kbdf /xL sfo{ u/]sf] cg'ej .
–@)^$ c;f]h b]lv @)&@ a}zfv ;Dd
;fljssf] gLnlu/L ljsf; a}+s ln=df
clws[t b]lv sfodd'sfod k|d'v
k|d'v–qm]l86 ;+rfng sfo{sf/L clws[t ;Ddsf] kbdf /xL sfo{
$= >L cg'dfg >]i7 :gftsf]Q/
ljefu u/]sf] cg'ej .
–@)&@ >fj0f b]lv xfn;Dd jl/i7
k|aGws b]lv xfn qm]l86 ;+rfng ljefu
k|d'vsf] kbdf /xL sfo{ u/]sf] cg'ej .
–@)^% d+l;/ b]lv xfn ;Dd zfvf
%= >L O{Zj/L k|;fb 9sfn k|d'v–k|zf;g ljefu :gftsf]Q/ k|aGws, n]vf k|d'v, k|zf;g k|d'v
nufotsf] kbdf /xL sfo{ u/]sf] cg'ej .
–@)^& a}zfv b]lv xfn;Dd zfvf
^= >L eQm axfb'/ s]=;L= k|d'v–dfs{]l6ª ljefu :gftsf]Q/ k|aGws, qm]l86 P08 dfs{]l6ª, k|d'v
–@)^& efb| b]lv xfn;Dd zfvf k|aGws,
&= >L sdn k|;fb cof{n k|d'v–cfO{=6L= ljefu :gftsf]Q/ cfO{=6L= k|d'v nufotsf] kbdf /xL sfo{
u/]sf] cg'ej .
–@)^^ >fj0f b]lv xfn;Dd zfvf k|aGws,
k|d'v–qm]l86 k|zf;g qm]l86 k|zf;g ljefu k|d'v, ;+rfng
*== >L bof /fh cof{n :gftsf]Q/
ljefu k|d'v nufotsf] kbdf /xL sfo{ u/]sf]
cgej .
–@)^^ >fj0f b]lv xfn;Dd o; a}+sdf
clws[t b]lv ;xfos k|aGws ;Dd zfvf
(= >L /f]zg ltdlN;gf k|d'v–;+rfng ljefu :gftsf]Q/
k|aGws, n]vf tyf ljQ k|d'v nufotsf]
kbdf /xL sfo{ u/]sf] cg'ej .
12
–@)&! >fj0f b]lv xfn;Dd clws[t b]lv
k|d'v–n]vf, ljQ / s/ ;xfos k|aGws ;Dd cfGtl/s
!)= >L ;'dg s'df/ dNn l;=P=
ljefu n]vfkl/Ifs k|d'v, n]vf tyf ljQ k|d'v
–@)^% c;f]h b]lv @)&# kf}if ;Dd
ljleGg cl86 kmd{df sfo{ u/]sf] cg'ej,
–@)&# kf}if b]lv @)&* h]7 ;Dd ;Dd
hf]vd Joj:yfkg / sDKnfoG; ljefu
!!= >L nId0f g]kfn sDKnfoG; ljefu l;=P=
k|d'vsf] kbdf /xL sfo{ u/]sf] cg'ej,
–@)&* h]7 b]lv xfn;Dd sDKnfoG;
ljefu k|d'v kbdf /xL sfo{ u/]sf] cg'ej
.
–@)^^ df3 b]lv @)&$ sflQs ;Dd
;fljssf] s}nfz ljsf; a}+s ln=df
clws[t b]lv al/i7 clws[t ;Ddsf] kbdf
–@)&$ sflQs b]lv @)&% df3 ;Dd
d'lQmgfy ljsf; a}Fs ln= df hf]lvd
Joj:yfkg k|d'vsf] ?kdf /xL sfo{ u/]sf]
cg'ej
k|d'v– hf]lvd
–@)&% df3 b]lv @)&* h]i7 ;Dd
!#= Joj:yfkg / sfg"g :gftsf]Q/
>L lbks /fh e08f/L dxfnIdL ljsf; a}Fs ln= df qm]l86 tyf
ljefu
Pg=lk=Pn= ;+rfng ljefu k|d'vsf] kbdf
–@)&* h]7 b]lv xfn;Dd hf]lvd
Joj:yfkg / sfg"g ljefu k|d'vsf] kbdf
–@)^^ df3 b]lv @)&@ >fj0f ;Dd
d'lQmgfy ljsf; a}+s ln=df zfvf k|aGws
b]lv k|d'v of]hgf clws[tsf] kbdf /xL
sfo{ u/]sf] cg'ej .
–@)&@ a}zfv @)&# kf}if ;Dd km:6
!@= >L gljg Kofs'/]n k|d'v–n3'ljQ ljefu :gftsf]Q/ dfOqmf]kmfOgfG; ln=df clws[t kbdf /xL
sfo{ u/]sf] cg'ej .
–@)&# kf}if b]lv xfn;Dd o; a}+sdf
al/i7 clws[t b]lv ;xfos k|aGws ;Dd
n3'ljQ ljefu k|d'v kbdf /xL sfo{
u/]sf] cg'ej .
gf]6 M dfly pNn]lvt pRr Joj:yfksLo txsf sd{rf/Lx? cGo s'g} ;'lrs[t ;+ul7t ;+:yfsf] jf cGo s'g} ;+ul7t
;+:yfsf] cfwf/e't z]o/wgL g/x]sf] hfgsf/L u/fpb5f}+ .
-@_ 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 ! jif{{
cufl8sf] cjlwdf pRr Joj:yfksLo txdf s'g} kl/jt{g gePsf] .
-#_ sd{rf/Lsf] ;+Vof M :yfoL, c:yfoL, s/f/, Hofnfbf/L / cGo -cfiff9 d;fGt @)&*_ M
s"n sd{rf/L ;+Vof :yfoL c:yfoL s/f/ Hofnfbf/L cGo
(## &^* – !^% – –
-v_ ;~rfns Pj+ pRr Joj:yfksLo txsf clws[tnfO{ lbPsf] eQf tyf kfl/>lds ;DaGwL ljj/0f M
-!_ ;~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 / cGo ;'ljwf M
-s_ a}+ssf] sfdsf] l;nl;nfdf cWoIf tyf ;~rfnsx?nfO{ k|bfg ul/g] b}lgs e|d0f eQf b]xfo adf]lhd x'g]5 M
-c_ :jb]zdf b}lgs eQf ?= %,)))÷–, k|lt a}7s -cWoIf _ ?=!),)))÷– k|lt a}7s -;~rfns_ ?=(,)))÷–
-cf_ ef/tdf b}lgs eQf ef=?=%)))÷–
-O_ ef/t afx]ssf cGo ljb]zL d'n'sdf b}lgs eQf cd]l/sL 8n/ !%)÷–
-O{_ e|d0f eQf lan adf]lhd .
13
-v_ cWoIf tyf ;~rfnsx?nfO{ ;~rf/ -6]lnkmf]g÷df]afOn÷OG6/g]6_ eQf / kqlqsf ;'ljwf afkt k|lt dlxgf ?=
@%))÷–
-@_ ;+ul7t ;+:yfsf] pRr Joj:yfksLo txsf tLg hgf clws[tx?sf] gfd / kb / Ps cfly{s jif{{sf] cjlw leq
pgLx?nfO{ kfl/>ldssf] ?kdf e'Qmfg ul/Psf] /sd M
Ps cfly{s jif{sf] cjlw leq
l;=g+= sd{rf/Lsf] gfd kb kfl/>ldssf] ?kdf e'Qmfg ul/Psf] /sd
-cf=j=)&^÷)&&_ ljQLo ljj/0f cg\';f/
!= >L uf]ljGb k|;fb 9sfn k|d'v sfo{sf/L clws[t 56,40,000
@= >L dfwj k|;fb pkfWofo gfoj k|d'v sfo{sf/L clws[t 35,67,130.67
#= >L ;+h' k|;fb h};jfn d"Vo k|aGws 16,60,788
-#_ 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/0f M
gePsf] .
u=*=cGt/lglxt hf]vLd tyf ;f] sf] Joj:yfkgsf] nflu Joj:yfkgsf] wf/0ff M
;+ul7t ;+:yfn] axg u/]sf] jf ug]{ hf]vLd :ki6 ?kdf pNn]v ug'{ kg]{ . o; ;Gbe{df hf]vLdx?nfO{ ;+ul7t ;+:yfsf]
cfGtl/s jf Joj;fo÷cfof]hgf;Fu k|ToIf cyjf ;+ul7t ;+:yfsf] lgoGq0f eGbf aflx/sf] egL jlu{s/0f u/L k|d'v ?kdf
b]xfosf] hf]vLdsf] ljZn]if0f ug'{ kg]{ .
-s_ ljQLo ;fwgsf] cefjaf6 x'g] hf]lvd M
!= lgIf]k tyf shf{sf] Aofhb/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 clea[l4 (cost overrun) sf] hf]lvd M nfu" gx'g] .
-ª_ ljb]zL ljlgdosf] hf]lvd M b]zsf] a}b]lzs Jofkf/ gLltdf x'g ;Sg] kl/jt{g tyf ljb]zL d'b|fsf] ljlgdo b/df 36\a9
eO{ pTkGg x'g ;Sg] ;Defljt hf]lvdx? .
-r_ sfg"gL k|s[ofx? tyf O{hfht k|fKt ug'{ kg]{ ;f] af6 kg{ ;Sg] cj/f]wx? M nfu" gx'g] .
-5_ If]qLos/0f / ljZjAofkLs/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{g af6 l;h{gf x'g]
;Defljt hf]lvdx? .
-em_;+rfng Oltxf;sf] cefj M o; a}+ssf] ;+rfng Oltxf; !$ jif{{sf] /x]sf]5 .
-`_ k|ljlwsf] kl/jt{gaf6 x'g] ;Sg] hf]lvd M gofF k|ljlwsf] ljsf; ;+u} a}+sn] k|of]u ug]{ OG6/g]6df cfwfl/t a}+lsÍ÷ljQLo
nufotsf k|ljlwdf x'g] v/faLn] kg{ ;Sg] ;+rfng tyf ;fv ;DaGwL hf]lvd .
-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 .
@= k"+hL ahf/sf] cj:yfdf cfpg] ptf/ r9fjaf6 kg{ ;Sg] hf]lvdx? .
sf]le8af6 x'g] hf]lvd M
!= Joj;fo lj:tf/df ;+s'rg,
@= shf{ k|jfxdf ;+s'rg,
#= shf{ c;'nL k|lqmof ;xh ?kdf x'g g;Sg',
$= lgoldt sfof{no ;+rfng x'g g;Sg' .
;Defljt cfly{s hf]lvdx?nfO{ Go"gLs/0f ug{ Joj:yfkgn] lgDg pkfox? cjnDjg ub}{ hfg]5 .
a}+ssf] shf{ tyf nufgL v/fa eO{ x'g ;Sg] hf]lvdx?sf] nflu a}+sn] shf{ tyf nufgLsf] nflu hf]lvd Aoxf]g]{ sf]ifsf]
Joj:yf u/]sf] 5 . a}+sn] ljQ ahf/df x'g] k|lt:kwf{sf] nflu hgzlQm ljsf;df 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 / k|ltj4 /x]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] 5 .
lwtf]kq d"No kl/jt{g ;DaGwL hf]lvd M
?=!,)))÷—k|lt C0fkqsf] b/n] lgisfzg ul/Psf] d"Non] ;"lrs/0f kZrft lwtf]kq ahf/df x'g] sf/f]jf/ d"No
ghgfpg] ePsf]n] C0fkq d"Nodf x'g ;Sg] kl/jt{gsf] hf]lvd /x]sf] 5 .
14
u=(=ljQLo ljj/0f M
-s_ ljQLo ljj/0f / tT;DaGwdf Joj:yfkgsf] wf/0ff / ljZn]if0f M
-!_ ;+ul7t ;+:yfsf] n]vfk/LIf0f ePsf] kl5Nnf] cfly{s jif{{sf] jf;nft, gfkmf gf]S;fg lx;fa, gfkmf gf]S;fg lx;fj
afF8kmfF6, gub k|jfx ljj/0f M cf=j=@)&^÷)&& sf] n]vfk/LIf0f u/LPsf] ljQLo ljj/0fx? b]xfo adf]lhd /x]sf]
5.
jf;nft
;DklQ /sd -?=xhf/df_
gub tyf gub ;dfg 6,930,071
g]kfn /fi6« a}+sdf /x]sf] df}Hbft tyf lng'kg]{ /sd 1,798,069
a}+s tyf ljQLo ;+:yfdf u/]sf] nufgL -Kn];d]G6_ -
8]l/e]l6e -Jo"TkGg_ ljQLo pks/0f -
cGo Jofkf/Ls ;DklQx? -
a}+s tyf ljQLo ;+:yfnfO{ k|jfx u/]sf] shf{ tyf ;fk6L 282,150
u|fxsx?nfO{ k|jfx u/]sf] shf{ tyf ;fk6L 34,861,896
lwtf]kqdf u/]sf] nufgL 5,749,374
rfn' s/ ;DklQ 26,306
;xfos sDkgLdf nufgL -
;Da4 sDkgLdf nufgL 3,525
nufgL ;DklQ-OGe]i6d]G6 k|f]kl6{_ 32,115
;DklQ / pks/0f 391,237
u'8jLn -VoftL_ / cd't{ ;DklQ 7,341
:yug s/ ;DklQ 13,577
cGo ;DklQ 197,987
s"n ;DklQ 50,293,648
bfloTj / k"FhL
a}+s tyf ljQLo ;+:yfnfO{{ ltg{ afFsL 2,755,651
g]kfn /fi6« a}+snfO{ ltg{ afFsL /sd 134,574
Jo"TkGg -8]l/e]l6e_ ljQLo pks/0f -
u|fxssf] lgIf]k bfloTj 42,433,022
;fk6L -
rfn" s/ bfloTj -
Joj:yf /sdx? -
:yug s/ bfloTj -
cGo bfloTjx? 623,799
hf/L ul/Psf] C0fkq -
c;'/lIft ;xfos cfjlws bfloTj -
s"n bfloTj 45,947,046

k"FhL
z]o/ k"FhL 3,238,689
z]o/ lk|ldod 97
;l~rt d'gfkmf 470,305
hu]8f 637,510
z]o/wgLx?;+u ;DalGwt s"n OlSj6L 4,346,602
u}/ lgolGqt :jfy{ -
hDdf k"FhL 4,346,602
hDdf bfloTj / k"FhL 50,293,648
cfsl:ds bfloTj tyf k|ltj4tf 1,767,053
K|flt z]o/ z'4 ;DklQ d"No 134.21
gfkmf gf]S;fg lx;fj

ljj/0f /sd -?=xhf/df_
Aofh cfDbfgL 4,734,067
Aofh vr{ (3,111,740)
v"b Aofh cfDbfgL 1,622,327
15
z'Ns tyf sldzg cfDbfgL 294,052
z'Ns tyf sldzg vr{ 9,702
v"b z'Ns / sldzg cfDbfgL 284,350
v"b Aofh, z'Ns / sldzg cfDbfgL 1,906,677
v"b Jofkfl/s cfDbfgL (789)
cGo ;~rfng cfDbfgL 11,024
hDdf ;~rfng cfDbfgL 1,916,912
shf{df ;Defljt IftL Joj:yf÷-lkmtf{_ tyf cGo gf]S;fgLx? 235,642
v"b ;~rfng cfDbfgL 1,681,270
;~rfng vr{
sd{rf/L vr{ 491,033
cGo ;~rfng vr{ 296,557
x|f;s§L / kl/zf]wg 80,929
;~rfng d'gfkmf 812,751
u}/ ;~rfng cfDbfgL 8,232
u}/ ;~rfng vr{ -
P;f]l;P6\; / ;+o'Qm pBdnfO{ efu nufpg' cl3sf] d'gfkmf 820,983
P;f]l;P6\; / ;+o'Qm pBdsf] efu 733
cfos/ cl3sf] d'gfkmf 821,716
cfos/ vr{ 244,460
rfn' s/ vr{ 237,182
:yug s/ vr{ 7,278
o; cjlwsf] d'gfkmf 577,256
gfkmf jfF8kmfF8 -
a}+ssf] z]o/ wgL 577,256
u}/ lgolGqt :jfy{ -
k|lt z]o/ cfDbfgL -?=_ -
Basic k|lt z]o/ cfDbfgL -?=_ 17.82
Diluted k|lt z]o/ cfDbfgL -?=_
cGo lj:t[t cfosf] ljj/0f

)! >fj0f @)&^ b]lv @)&& cfiff9 d;fGt;Dd
jif{ el/sf] v"b gfkmf÷-gf]S;fg_ 577,256
cGo lj:t[t cfDbfgL -s/ s6\6L kZrft_ -
s_ gfkmf gf]S;fg lx;fadf k"g/jlu{s/0f gx'g] zLif{sx?M -
ahf/ d"Nodf dfkg x'g] OSjLl6 pks/0fdf ePsf] nuflg sf] 11,652
k"gd"{Nof°gaf6 ePsf] gfkmf ÷ -gf]S;fg_
• Remeasurement of gain/loss on sale of shares 2,170
k'gd"{Nof°gdf ePsf] gfkmf ÷ -gf]S;fg_ -
kl/eflift nfe of]hgfdf ePsf] Actuarial gfkmf ÷ - (10,201)
gf]S;fg_
dfly pNn]lvt ljj/0f;Fu ;DalGwt s/ (1,086)
v"b cGo lj:t[t cfDbfgL – gfkmf gf]S;fg lx;fadf 2,535
k"g/jlu{s/0f gx'g]
v_ gfkmf gf]S;fg lx;fadf k"g/jlu{s/0f x'g ;Sg] zLif{sx? -
Cash Flow Hedgedf ePsf] gfkmf ÷-gf]S;fg_ -
;6xL gfkmf ÷ -gf]S;fg_ j}blzs sf/f]af/df -
dfly pNn]lvt ljj/0f;Fu ;DalGwt s/ -
gfkmf gf]S;fg lx;fadf k"g/jlu{s/0f ul/Psf] -
gfkmf gf]S;fg lx;fadf k"g/jlu{s/0f x'g ;Sg] v"b cGo lj:t[t -
16
cfDbfgL
u_ P;f]l;P6 sDkgLsf] O{SjLl6 k4ltaf6 n]vf°g ul/Psf] cGo
lj:t[t cfDbfgLdf ePsf :jfy{ -
cGo lj:t[t cfDbfgL -s/ s6\6L kZrft_ 2,535
jif{sf] s"n lj:t[t cfDbfgL -jif{ el/sf] v"b gfkmf÷-gf]S;fg 579,790
;lxtsf]_
Total Comprehensive Income attributable
to: -
a}+ssf z]]o/wgLx? 579,790
lgoGq0f gx'g] :jfy{ -
jif{sf] s"n lj:t[t cfDbfgL 579,790
ljt/0f of]Uo gfkmfsf] ljj/0f

ljj/0f /sd -?= xhf/df_
gfkmf÷gf]S;fg lx;fa cg';f/ v"b gfkmf 577,256
Carry Forward of Profit or loss
af+8÷kmf+8 x? -
;fwf/0f hu]8f (115,451)
lab]zL d'b|f 36÷a9 sf]if (263)
k"FhL lkmtf{ sf]if -
;fdfhLs pQ/bfloTj sf]if (5,773)
sd{rf/L tflnd sf]if -
cGo -
Investment adjustment reserve -
Debenture Redemption Reserve -
Deferred Tax Reserve -
Merger/ Acquisition -
Cash dividend/Bonus Share -
CSR Expenses -
Training Expenses -
lgodgsf/L ;dfof]hg cl3sf] gfkmf÷gf]S;fg 455,769
lgodgsf/L ;dfof]hgx?
a. Transfer to Regulatory Reserve -
b. Transfer from Regulatory Reserve
kfpg' kg]{ Aofh (-)k'/fgf] Aofh k|fKt (+) (21,076)
shf{ gf]S;fgL Joj:yfdf sdL (-)/lkmtf{ (+) -
nufgL lx;fa Joj:yfdf sdL (-)/lkmtf{ (+) 14,168
u}/ a}+lsª ;DklQJoj:yfdf sdL (-)/lkmtf{ (+) -
:yug s/ ;DklQ (-)/ 36L(+) 7,714
VoftL (-)/ VoftLdf sdL (+) -
v/Lbdf kmfO{bf (-)36L (+) -
PSr'/Lon gf]S;fg (-)lkmtf{{ (+) (7,141)
cGo(+/-) -
Fair value reserve -
ljt/0f of]Uo gfkmf 449,434
gub k|jfx ljj/0f

sf/f]af/ ;~rfngaf6 gub k|jfx
z'Ns tyf cGo cfDbfgL 302,284
nfef+z k|flKt 6,891
17
cGo ;~rfng ultljlwaf6 k|fKlt -
Aofh vr{ (3,260,142)
sldzg tyf z'Ns vr{ (9,702)
sd{rf/L vr{ (515,204)
cGo vr{ (150,164)
;~rfng ;DklQ / bfloTjsf] kl/jt{g cl3sf] ;~rfng gub 935,975
k|jfx
;~rfng ;DaGwL rfn" ;DklQdf sdL÷-j[l4_ (6,722,438)

g]kfn /fi6« a}+sdf /x]sf] df}Hbft tyf lng'kg]{ /sd (578,398)
a}+s tyf ljQLo ;+:yfx?df /x]sf] df}Hbft tyf nufgL -
cGo Jofkfl/s ;DklQ -
a}+s tyf ljQLo ;+:yfx?nfO{ k|jfx u/]sf] shf{ tyf ;fk6L (54,450)
u|fxsnfO{ k|jfx u/]sf] shf{ tyf ;k6L (6,714,490)
cGo ;DklQ 624,900
;~rfng ;DaGwL rfn" bfloTjdf j[l4÷-sdL_ 11,004,431
a}+s tyf ljQLo ;+:yfx?nfO{ ltg{ afFsL shf{÷;fk6L (616,032)
g]kfn /fi6« a}+snfO{ ltg{ afFsL /sd (365,426)
;fk6L -
cGo bfloTj (684,624)
sf/f]af/ ;~rfngaf6 cfos/ cl3sf] v"b gub k|jfx 5,217,968
cfos/ e'QmfgL (287,183)
sf/f]af/ ;~rfngaf6 ePsf] v"b gub k|jfx 4,930,785
nufgL sf/f]af/df gub k|jfx
lwtf]kq nufgL vl/b (4,346,842)
lwtf]kq nufgLsf] laqmLaf6 k|flKt 5,481
;DklQ / pks/0fsf] vl/b (112,479)
;DklQ / pks/0fsf] laqmLaf6 k|flKt (231)
cd"t{ ;DklQsf] vl/b 241
cd"t{ ;DklQsf] laqmLaf6 k|flKt -
nufgL ;DklQsf] vl/b -
nufgL ;DklQsf] laqmLaf6 k|flKt -
Aofh cfDbfgL -
nfef+z cfDbfgL -
nufgL sf/f]af/af6 ePsf] v"b gub k|jfx (4,453,830)
ljQLo >f]t sf/f]af/af6 gub k|jfx
C0fkq lgisfzgaf6 k|flKt -
C0fkqsf] e'QmfgL -
c;'/lIft ;xfos cfjlws bfloTjsf] lgisfzgaf6 k|flKt -
c;'/lIft ;xfos cfjlws bfloTjsf] e'QmfgL -
z]o/ lgisfzgaf6 k|flKt 450,321
nfef+z vr{ (450,321)
Aofh vr{ -
cGo cfDbfgL÷e'QmfgL
ljQLo >f]t sf/f]af/af6 ePsf] v"b gub k|jfx -
gub k|jfxdf ePsf] v"b j[l4÷-sdL_ 476,955
gub tyf gub ;dfgdf /x]sf] z'?jftL df}Hbft 6,452,852
gub tyf gub ;dfgdf ljlgdo b/df cfPsf] kl/jt{gaf6 263
ePsf] cfDbfgL÷vr{
gub tyf gub ;dfgdf /x]sf] clGtd df}Hbft 6,930,071
18
-@_ ;~rfng cjlw tLg jif{{ AotLt e};s]sf] cj:yfdf ljut tLg jif{{sf] / tLg jif{{ AotLt 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 ;dli6s[t
?kdf_ M a}+ssf] ljut # jif{{sf] nflu n]vfk/LIf0f ePsf] ljQLo ljj/0fx? b]xfo adf]lhd /x]sf] 5 M
jf;nft -?=xhf/df_
cf=j= cf=j= cf=j=
;DklQ
2074/075 2075/076 2076/077
gub tyf gub ;dfg 4,605,023 6,452,852 6,930,071
g]kfn /fi6« a}+sdf /x]sf] df}Hbft tyf lng'kg]{ /sd 1,078,038 1,219,671 1,798,069
a}+s tyf ljQLo ;+:yfdf /x]sf] df}Hbft tyf nufgL - - -
Kn];d]G6_ -
- 667,143
- -
a}+s tyf ljQLo ;+:yfnfO{ k|jfx u/]sf] shf{ tyf 29,700 227,700 282,150
;fk6L
u|fxsx?nfO{ k|jfx u/]sf] shf{ tyf ;fk6L 18,678,068 28,210,992 34,861,896
lwtf]kqdf u/]sf] nufgL 503,858 1,390,880 5,749,374
rfn' s/ ;DklQ - 657 26,306
- -
;Da4 sDkgLdf nufgL 1,946 2,793 3,525
;DklQdf nufgL 32,115 32,115 32,115
;DklQ / pks/0f 222,011 359,688 391,237
u'8jLn -VoftL_ / cd't{ ;DklQ 8,098 7,582 7,341
:yug s/ ;DklQ 18,784 21,290 13,577
cGo ;DklQ 108,815 155,745 197,987
s"n ;DklQ 25,286,456 38,749,107 50,293,648
bfloTj / k"FhL
a}+s tyf ljQLo ;+:yfnfO{{ ltg{ afFsL shf{÷;fk6L 1,492,594 3,371,683 2,755,651
g]kfn /fi6« a}+snfO{ ltg{ afFsL /sd 218,500 500,000 134,574
Jo"TkGg -8]l/e]l6e_ ljQLo pks/0f - 695,925 -
u|fxssf] lgIf]k bfloTj 19,728,951 29,762,509 42,433,022
;fk6L - - -
rfn' s/ bfloTj 12,526 - -
Joj:yf /sdx? - - -
:yug s/ bfloTj - - -
cGo bfloTjx? 530,741 628,477 623,799
hf/L ul/Psf] C0fkq - - -
c;'/lIft ;xfos cfjlws bfloTj - - -
s"n bfloTj 21,983,313 34,958,594 45,947,046
k"FhL - -
z]o/ k"FhL 2,534,880 2,788,368 3,238,689
16,297 97
z]o/ lk|ldod 97
;l~rt d'gfkmf 320,021 484,366 470,305
hu]8f 431,946 517,682 637,510
z]o/wgLx?nfO{ afF8kmfF8of]Uo s"n OlSj6L 3,303,143 3,790,513 4,346,602
u}/ lgolGqt :jfy{ - - -
hDdf k"FhL 3,303,143 3,790,513 4,346,602
hDdf bfloTj / k"FhL 25,286,456 38,749,107 50,293,648
cfsl:ds bfloTj tyf k|ltj4tf 1,220,140 2,277,110 1,767,053
K|flt z]o/ z'4 ;DklQ d"No -?=df_ 130.31 135.94 134.21
19
gfkmf gf]S;fg lx;fj -?= xhf/df_
cf=j= cf=j= cf=j=
ljj/0f 2074/075 2075/076 2076/077
Aofh cfDbfgL 2,471,435 3,675,567 4,734,067
Aofh vr{ (1,447,301) (2,273,634) (3,111,740)
v"b Aofh cfDbfgL 1,024,134 1,401,933 1,622,327
z'Ns tyf sldzg cfDbfgL 191,959 298,984 294,052
z'Ns tyf sldzg vr{ 1,758 5,457 9,702
v"b z'Ns / sldzg cfDbfgL 190,201 293,527 284,350
v"b Aofh, z'Ns / sldzg cfDbfgL 1,214,335 1,695,460 1,906,677
v"b Jofkfl/s cfDbfgL - 1,410 (789)
cGo ;~rfng cfDbfgL 2,870 1,264 11,024
hDdf ;~rfng cfDbfgL 1,217,204 1,698,134 1,916,912
shf{df ;Defljt IftL Joj:yf÷-lkmtf{_ tyf cGo 76,067 98,876 235,642
gf]S;fgLx?
v"b;~rfng cfDbfgL 1,141,138 1,599,258 1,681,270
;~rfng vr{ - - -
sd{rf/L vr{ 288,581 424,881 491,033
cGo ;~rfng vr{ 152,919 241,222 296,557
x|f;s§L / kl/zf]wg 42,689 68,533 80,929
;~rfng d'gfkmf 656,949 864,622 812,751
u}/ ;~rfng cfDbfgL 403 6,598 8,232
u}/ ;~rfng vr{ - - -
P;f]l;P6\; / ;+o'Qm pBdnfO{ efu nufpg' cl3sf] 657,352 871,220 820,983
d'gfkmf
P;f]l;P6\; / ;+o'Qm pBdsf] efu 45 981 733
cfos/ cl3sf] d'gfkmf 657,397 872,200 821,716
cfos/ vr{ 187,592 277,776 244,460
rfn" s/ vr{ 193,618 275,517 237,182
:yug s/ vr{ (6,026) 2,260 7,278
o; cjlwsf] d'gfkmf 469,805 594,424 577,256
gfkmf jfF8kmfF8
a}+ssf] z]o/ wgL 469,805 594,424 577,256
u}/ lgolGqt :jfy{ - - -
o; cjlwsf] d'gfkmf 469,805 594,424 577,256
k|lt z]o/ cfDbfgL -?=_
Basic k|lt z]o/ cfDbfgL -?=_ 18.53 21.32 17.82
Dilutedk|lt z]o/ cfDbfgL -?=_ 18.53 21.32 -
cGo lj:t[t cfosf] ljj/0f

-?=xhf/df_
cf=j= cf=j= cf=j=
ljj/0f
2074/075 2075/076 2076/077
jif{ el/sf] v"b gfkmf÷-gf]S;fg_ 469,805 594,424 577,256
cGo lj:t[t cfDbfgL -s/ s6\6L kZrft_
s_ gfkmf gf]S;fg lx;fadf k"g/jlu{s/0f gx'g]
zLif{sx?M
ahf/ d"Nodf dfkg x'g] OSjLl6 pks/0fdf ePsf] (8,596) 11,652
nuflg sf] k"gd"{Nof°gaf6 ePsf] gfkmf ÷ -gf]S;fg_ (18,940)
Remeasurement of gain/loss on sale of shares - - 2,170
k'gd"{Nof°gdf ePsf] gfkmf ÷ -gf]S;fg_ - - -
(7,291) (10,201)
kl/eflift nfe of]hgfdf ePsf] Actuarial gfkmf (5,327)
20
÷ -gf]S;fg_
4,766 (1,086)
dfly pNn]lvt ljj/0f;Fu ;DalGwt s/ 7,280
v"b cGo lj:t[t cfDbfgL – gfkmf gf]S;fg lx;fadf (16,987) (11,121) 2,535
k"g/jlu{s/0f gx'g]
v_ gfkmf gf]S;fg lx;fadf k"g/jlu{s/0f x'g ;Sg] - - -
zLif{sx?
Cash Flow Hedgedf ePsf] gfkmf ÷-gf]S;fg_ - - -
;6xL gfkmf ÷ -gf]S;fg_ j}blzs sf/f]af/df - - -
dfly pNn]lvt ljj/0f;Fu ;DalGwt s/ - - -
gfkmf gf]S;fg lx;fadf k"g/jlu{s/0f ul/Psf] - - -
gfkmf gf]S;fg lx;fadf k"g/jlu{s/0f x'g ;Sg] v"b - - -
cGo lj:t[t cfDbfgL
u_ P;f]l;P6 sDkgLsf] O{SjLl6 k4ltaf6 n]vf°g - - -
ul/Psf] cGo lj:t[t cfDbfgLdf ePsf :jfy{
cGo lj:t[t cfDbfgL -s/ s6\6L kZrft_ (16,987) (11,121) 2,535
jif{sf] s"n lj:t[t cfDbfgL -jif{ el/sf] v"b gfkmf÷- 452,819 583,303 579,790
gf]S;fg ;lxtsf]_
Total Comprehensive Income
attributable to: - - -
a}+ssf z]]o/wgLx? 452,819 583,303 579,790
lgoGq0f gx'g] :jfy{ - - -
jif{sf] s"n lj:t[t cfDbfgL 452,819 583,303 579,790
ljt/0f of]Uo gfkmfsf] ljj/0f -?=xhf/df_

cf=j= cf=j= cf=j=
ljj/0f 2074/075 2075/076 2076/077
gfkmf÷gf]S;fg lx;fa cg';f/ v"b gfkmf 469,805 594,424 577,256
Carry Forward of Profit or loss -
af+8÷kmf+8 x? - - -
;fwf/0f hu]8f - (118,885) (115,451)
lab]zL d'b|f 36÷a9 sf]if - (263)
k"FhL lkmtf{ sf]if - - -
;fdfhLs pQ/bfloTj sf]if - (5,944) (5,773)
sd{rf/L tflnd sf]if - - -
cGo - - -
Investment adjustment reserve - - -
Debenture Redemption Reserve - - -
Deferred Tax Reserve - - -
>Bonus Share - - -
>Cash dividend - - -
Merger/ Acquisition - - -
CSR Expenses - - -
Training Expenses - - -
lgodgsf/L ;dfof]hg cl3sf] gfkmf÷gf]S;fg 469,805 469,595 455,769
lgodgsf/L ;dfof]hgx? -
a. Transfer to Regulatory Reserve - - -
b. Transfer from Regulatory Reserve - -
kfpg' kg]{ Aofh (-)k'/fgf] Aofh k|fKt (+) - 35,454 (21,076)
shf{ gf]S;fgL Joj:yfdf sdL (-)/lkmtf{ (+) - - -
nufgL lx;fa Joj:yfdf sdL (-)/lkmtf{ (+) - (4,949) 14,168
u}/ a}+lsª ;DklQJoj:yfdf sdL (-)/lkmtf{ (+) - - -
:yug s/ ;DklQ (-)/ 36L(+) - (2,507) 7,714
21
VoftL (-)/ VoftLdf sdL (+) - - -
v/Lbdf kmfO{bf (-)36L (+) - - -
PSr'/Lon gf]S;fg (-)lkmtf{{ (+) - (5,104) (7,141)
cGo(+/-) - - -
Fair value reserve - - -
ljt/0f of]Uo gfkmf 469,805 492,489 449,434
gub k|jfx ljj/0f -/sd ?= xhf/df_

cf=j= cf=j= cf=j=
ljj/0f 2074/075 2075/076 2076/077
Aofh cfDbfgL 2,447,964 3,649,736 4,562,011
z'Ns tyf cGo cfDbfgL 192,362 305,582 302,284
nfef+z k|flKt 2,881 2,523 6,891
cGo ;~rfng ultljlwaf6 k|flKt - - -
Aofh vr{ (1,275,447) (2,208,726) (3,260,142)
sldzg tyf z'Ns vr{ (1,758) (5,457) (9,702)
sd{rf/L vr{ (260,858) (385,828) (515,204)
cGo vr{ (156,559) (250,658) (150,164)
;~rfng ;DklQ / bfloTjsf] kl/jt{g cl3sf] ;~rfng gub 948,585 1,107,171 935,975
k|jfx
;~rfng ;DaGwL rfn" ;DklQdf sdL÷-j[l4_ (6,140,382) (10,661,270) (6,722,438)
g]kfn /fi6« a}+sdf /x]sf] df}Hbft tyf lng'kg]{ /sd (284,257) (141,633) (578,398)
a}+s tyf ljQLo ;+:yfx?df /x]sf] df}Hbft tyf nufgL - - -
cGo Jofkfl/s ;DklQ - - -
a}+s tyf ljQLo ;+:yfx?nfO{ k|jfx u/]sf] shf{ tyf ;fk6L (90) (198,000) (54,450)
u|fxsnfO{ k|jfx u/]sf] shf{ tyf ;k6L (5,867,163) (9,607,564) (6,714,490)
cGo ;DklQ 11,129 (714,073) 624,900
;~rfng ;DaGwL rfn" bfloTjdf j[l4÷-sdL_ 6,925,618 12,886,533 11,004,431
a}+s tyf ljQLo ;+:yfx?nfO{ ltg{ afFsL shf{÷;fk6L 780,131 1,879,089 (616,032)
g]kfn /fi6« a}+snfO{ ltg{ afFsL /sd 218,500 281,500 (365,426)
;fk6L - - -
cGo bfloTj 412 692,386 (684,624)
sf/f]af/ ;~rfngaf6 cfos/ cl3sf] v"b gub k|jfx 1,733,822 3,332,433 5,217,968
cfos/ e'QmfgL (181,438) (288,700) (287,183)
sf/f]af/ ;~rfngaf6 ePsf] v"b gub k|jfx 1,552,384 3,043,734 4,930,785
lwtf]kq nufgL vl/b (335,213) (895,484) (4,346,842)
lwtf]kq nufgLsf] laqmLaf6 k|flKt 762 180 5,481
;DklQ / pks/0fsf] vl/b (134,677) (206,210) (112,479)
;DklQ / pks/0fsf] laqmLaf6 k|flKt (61) 264 (231)
cd"t{ ;DklQsf] vl/b (324) 516 241
cd"t{ ;DklQsf] laqmLaf6 k|flKt - - -
nufgL ;DklQsf] vl/b - - -
nufgL ;DklQsf] laqmLaf6 k|flKt - - -
Aofh cfDbfgL - - -
nfef+z cfDbfgL - - -
nufgL sf/f]af/af6 ePsf] v"b gub k|jfx (469,512) (1,100,734) (4,453,830)
C0fkq lgisfzgaf6 k|flKt - - -
C0fkqsf] e'QmfgL - - -
22
Receipt from issue of subordinated liabilities - - -
Repayment of subordinated liabilities - - -
Receipt from issue of shares - 450,321
nfef+z vr{ - (95,058) (450,321)
Aofh vr{ - - -
cGo cfDbfgL÷e'QmfgL - -
ljQLo >f]t sf/f]af/af6 ePsf] v"b gub k|jfx (95,058) -
gub k|jfxdf ePsf] v"b j[l4÷-sdL_ 1,082,872 1,847,942 476,955
gub tyf gub ;dfgdf /x]sf] z'?jftL df}Hbft 3,522,151 4,605,023 6,452,852
gub tyf gub ;dfgdf ljlgdo b/df cfPsf] kl/jt{gaf6
ePsf] cfDbfgL÷vr{ - (114) 263
gub tyf gub ;dfgdf /x]sf] clGtd df}Hbft 4,605,023 6,452,852 6,930,071
-#_ cfly{s jif{{ ;dfKt ePsf] ^ dlxgf kZrft ljj/0fkq :jLs[tLsf] nflu k]z u/]d f pQm cGtl/d cjlwsf] nflu
n]vfk/LIfsaf6 k|dfl0ft u/]sf] ckl/is[t ljQLo ljj/0f M cf=j=@)&&÷)&* c;f/ d;fGt ;Ddsf] n]vfk/LIf0f gul/Psf]
t/ Joj:yfkgaf6 k|dfl0ft ljQLo ljj/0fx? b]xfo adf]lhd /x]sf] 5 .
jf;nft
;DklQ /sd -?=xhf/df_
gub tyf gub ;dfg 5,646,802
g]kfn /fi6« a}+sdf /x]sf] df}Hbft tyf lng'kg]{ /sd 2,154,426
a}+s tyf ljQLo ;+:yfdf u/]sf] nufgL -Kn];d]G6_ -
8]l/e]l6e -Jo"TkGg_ ljQLo pks/0f -
a}+s tyf ljQLo ;+:yfnfO{ k|jfx u/]sf] shf{ tyf ;fk6L 1,980,432
u|fxsx?nfO{ k|jfx u/]sf] shf{ tyf ;fk6L 51,805,539
lwtf]kqdf u/]sf] nufgL 10,692,318
rfn" s/ ;DklQ -
;Da4 sDkgLdf nufgL 3,525
nufgL ;DklQ-OGe]i6d]G6 k|f]kl6{_ 32,114
;DklQ / pks/0f 415,037
u'8jLn -VoftL_ / cd't{ ;DklQ 7,984
:yug s/ ;DklQ 13,576
cGo ;DklQ 135,993
s"n ;DklQ 72,895,485
bfloTj / k"FhL
a}+s tyf ljQLo ;+:yfnfO{{ ltg{ afFsL 2,309,707
;fk6L -
rfn' s/ bfloTj -
Joj:yf /sdx? -
:yug s/ bfloTj -
cGo bfloTjx? 758,388
hf/L ul/Psf] C0fkq -
c;'/lIft ;xfos cfjlws bfloTj -
s"n bfloTj 67,601,699
k"FhL
z]o/ k"FhL 3,675,912
z]o/ lk|ldod 97
;l~rt d'gfkmf 615,783
hu]8f 1,001,994
23
z]o/wgLx?;+u ;DalGwt s"n OlSj6L 5,293,786
u}/ lgolGqt :jfy{ -
hDdf k"FhL 5,293,786
cfsl:ds bfloTj tyf k|ltj4tf 72,895,485
k|flt z]o/ z'4 ;DklQ d"No -?=df_
hDdf bfloTj / k"FhL
gfkmf gf]S;fg lx;fj
Aofh vr{ (3,487,750)
v"b Aofh cfDbfgL 1,936,529
z'Ns tyf sldzg cfDbfgL 406,996
z'Ns tyf sldzg vr{ 15,427
v"b z'Ns / sldzg cfDbfgL 391,568
v"b Aofh, z'Ns / sldzg cfDbfgL 2,328,098
v"b Jofkfl/s cfDbfgL 44
cGo ;~rfng cfDbfgL 324,346
shf{df ;Defljt IftL Joj:yf÷-lkmtf{_ tyf cGo gf]S;fgLx? 402,347
v"b ;~rfng cfDbfgL 2,250,141
;~rfng vr{ -
sd{rf/L vr{ 639,934
x|f;s§L / kl/zf]wg 88,902
;~rfng d'gfkmf 1,169,092
u}/ ;~rfng cfDbfgL 9,890
u}/ ;~rfng vr{ -
P;f]l;P6\; / ;+o'Qm pBdnfO{ efu nufpg' cl3sf] d'gfkmf 1,178,983
P;f]l;P6\; / ;+o'Qm pBdsf] efu -
cfos/ cl3sf] d'gfkmf 1,178,983
cfos/ vr{ 353,694
rfn" s/ vr{ 353,694
:yug s/ vr{ -
gfkmf jfF8kmfF8 -
a}+ssf] z]o/ wgL 825,288
u}/ lgolGqt :jfy{ -
k|lt z]o/ cfDbfgL -?=_ -
Basic k|lt z]o/ cfDbfgL -?=_ 22.45
Dilutedk|lt z]o/ cfDbfgL -?=_
ljt/0f of]Uo gfkmfsf] ljj/0f

gfkmf÷gf]S;fg lx;fa cg';f/ v"b gfkmf 825,288
Carry Forward of Profit or loss
afF8kmfF8 x?
;fwf/0f hu]8f (165,057)
lab]zL d'b|f 36÷a9 sf]if -
k"FhL lkmtf{ sf]if -
;fdfhLs pQ/bfloTj sf]if (8,252)
24
sd{rf/L tflnd sf]if -
cGo -
lgodgsf/L ;dfof]hg cl3sf] gfkmf÷gf]S;fg 651,977
lgodgsf/L ;dfof]hgx?
kfpg' kg]{ Aofh (-)k'/fgf] Aofh k|fKt (+) (50,042)
shf{ gf]S;fgL Joj:yfdf sdL (-)/lkmtf{ (+) -
nufgL lx;fa Joj:yfdf sdL (-)/lkmtf{ (+) -
u}/ a}+lsª ;DklQJoj:yfdf sdL (-)/lkmtf{ (+) -
:yug s/ ;DklQ (-)/ 36L(+) -
VoftL (-)/ VoftLdf sdL (+) -
vl/bdf kmfO{bf (-)36L (+) -
PSo'/Lon gf]S;fg (-)lkmtf{{ (+) -
cGo(+/-) -
ljt/0f of]Uo gfkmf 601,935
gub k|jfx ljj/0f

ljj/0f -/sd ?= xhf/df_
z'Ns tyf cGo cfDbfgL 416,886
nfef+z k|flKt 11,245
cGo ;~rfng ultljlwaf6 k|flKt -
Aofh vr{ (3,459,574)
sldzg tyf z'Ns vr{ (15,427)
sd{rf/L vr{ (548,771)
cGo vr{ (336,944)
;~rfng ;DklQ / bfloTjsf] kl/jt{g cl3sf] ;~rfng gub k|jfx 1,601,224
;~rfng ;DaGwL rfn" ;DklQdf sdL÷-j[l4_ (19,448,167)
g]kfn /fi6« a}+sdf /x]sf] df}Hbft tyf lng'kg]{ /sd (356,357)
a}+s tyf ljQLo ;+:yfx?df /x]sf] df}Hbft tyf nufgL -
cGo Jofkfl/s ;DklQ -
a}+s tyf ljQLo ;+:yfx?nfO{ k|jfx u/]sf] shf{ tyf ;fk6L (1,698,238)
u|fxsnfO{ k|jfx u/]sf] shf{ tyf ;k6L (17,455,520)
cGo ;DklQ 61,994
;~rfng ;DaGwL rfn" bfloTjdf j[l4÷-sdL_ 21,520,046
a}+s tyf ljQLo ;+:yfx?nfO{ ltg{ afFsL shf{÷;fk6L (445,943)
;fk6L -
cGo bfloTj (17)
sf/f]af/ ;~rfngaf6 cfos/ cl3sf] v"b gub k|jfx (3,673,103)
cfos/ e'QmfgL (397,225)
sf/f]af/ ;~rfngaf6 ePsf] v"b gub k|jfx (3,275,878)

lwtf]kq nufgL vl/b (4,735,933)
lwtf]kq nufgLsf] laqmLaf6 k|flKt 284,725
;DklQ / pks/0fsf] vl/b (112,703)
;DklQ / pks/0fsf] laqmLaf6 k|flKt 5,344
cd"t{ ;DklQsf] vl/b 643
cd"t{ ;DklQsf] laqmLaf6 k|flKt -
nufgL ;DklQsf] vl/b -
25
nufgL ;DklQsf] laqmLaf6 k|flKt -
Aofh cfDbfgL -
nfef+z cfDbfgL -
nufgL sf/f]af/af6 ePsf] v"b gub k|jfx (4,559,209)
C0fkq lgisfzgaf6 k|flKt -
Repayment of debt securities -
Receipt from issue of subordinated liabilities -
Repayment of subordinated liabilities -
Receipt from issue of shares 437223
nfef+z vr{ (437,223)
Aofh vr{ -
cGo cfDbfgL÷e'QmfgL -
ljQLo >f]t sf/f]af/af6 ePsf] v"b gub k|jfx -
gub k|jfxdf ePsf] v"b j[l4÷-sdL_ (1,283,331)
gub tyf gub ;dfgdf /x]sf] z'?jftL df}Hbft 6,930,070
gub tyf gub ;dfgdf ljlgdo b/df cfPsf] kl/jt{gaf6 ePsf] 63
cfDbfgL÷vr{
gub tyf gub ;dfgdf /x]sf] clGtd df}Hbft 5,646,802
-$_ cfDbfgL / vr{sf] lx;fjdf s'g} zLif{sdf 7'nf] dfqfdf kl/jt{g ePdf To;sf] ljZn]if0ffTds sf/0f M ;f] gePsf] .
-%_ 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] 3f/0ff M ;f]
gePsf] .
-^_ 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 ;f] gePsf] .
-&_ ljut % jif{{df ;DklQsf] k'gd"{Nof+sg ul/Psf] M gePsf] .
-*_ cfufdL tLg jif{{sf] k|If]lkt jf;nft, gfkmf gf]S;fg lx;fasf ;fy} To;sf u0fgfsf] cfwf/x? M a}+ssf] cfufdL # jif{sf]
nflu k|If]lkt ljQLo ljj/0f b]xfo adf]lhd /x]sf] 5 .
jf;nft
-?=xhf/df_
cf=j= cf=j= cf=j=
;DklQ
2078/079 2079/080 @)*)÷)*!
gub tyf gub ;dfg 9,495,966 12,517,863 14,237,466
g]kfn /fi6« a}+sdf /x]sf] df}Hbft tyf lng'kg]{ /sd 2,509,913 3,262,887 4,209,125
a}+s tyf ljQLo ;+:yfdf /x]sf] df}Hbft tyf nufgL - - -
Jo"TkGg -8]l/e]l6e_ ljQLo pks/0f - - -
cGo Jofkf/Ls ;DklQx? - - -
a}+s tyf ljQLo ;+:yfnfO{ k|jfx u/]sf] shf{ tyf 1,670,254 1,837,279 2,021,007
;fk6L
u|fxsx?nfO{ k|jfx u/]sf] shf{ tyf ;fk6L 63,507,428 82,559,656 107,327,553
lwtf]kqdf u/]sf] nufgL 10,826,786 12,781,938 16,332,209
rfn' s/ ;DklQ 8,430 9,832 11,499
;xfos sDkgLdf nufgL - - -
;Da4 sDkgLdf nufgL 3,525 3,525 3,525
;DklQdf nufgL 32,115 32,115 32,115
;DklQ / pks/0f 436,735 451,714 461,164
u'8jLn -VoftL_ / cd't{ ;DklQ 6,765 6,423 6,035
:yug s/ ;DklQ 10,956 10,025 9,279
cGo ;DklQ 169,014 173,958 179,111
s"n ;DklQ 88,677,888 113,647,215 144,830,087
bfloTj / k"FhL
26
a}+s tyf ljQLo ;+:yfnfO{{ ltg{ afFsL shf{÷;fk6L 3,334,338 3,667,771 4,034,548
Jo"TkGg -8]l/e]l6e_ ljQLo pks/0f - - -
;fk6L - - -
rfn" s/ bfloTj - - -
Joj:yf /sdx? - - -
:yug s/ bfloTj - - -
cGo bfloTjx? 726,511 816,332 918,806
hf/L ul/Psf] C0fkq 1,000,000 1,000,000 1,000,000
c;'/lIft ;xfos cfjlws bfloTj - - -

s"n bfloTj 82,451,782 106,059,751 135,661,908
k"FhL - -
z]o/ k"FhL 4,374,336 5,117,973 6,039,208
z]o/ lk|ldod 97 97 97
;l~rt d'gfkmf 784,560 947,010 1,086,320
hu]8f 1,067,112 1,522,384 2,042,554
z]o/wgLx?nfO{ afF8kmfF8 of]Uo s"n OlSj6L 6,226,105 7,587,464 9,168,179
hDdf k"FhL 6,226,105 7,587,464 9,168,179
hDdf bfloTj / k"FhL 88,677,888 113,647,215 144,830,087
gfkmf gf]S;fg lx;fj -?=xhf/df_

cf=j= cf=j= cf=j=
ljj/0f
2078/079 2079/080 2080/081
Aofh cfDbfgL 6,089,361 7,025,429 8,080,135
Aofh vr{ (3,901,145) (4,384,114) (4,883,603)
v"b Aofh cfDbfgL 2,188,216 2,641,314 3,196,532
z'Ns tyf sldzg cfDbfgL 371,976 409,174 450,091
z'Ns tyf sldzg vr{ 14,504 16,680 19,182
v"b z'Ns / sldzg cfDbfgL 357,472 392,494 430,909
v"b Aofh, z'Ns / sldzg cfDbfgL 2,545,688 3,033,808 3,627,441
v"b Jofkfl/s cfDbfgL 1,150 1,323 1,521
cGo ;~rfng cfDbfgL 321,346 348,495 378,033
hDdf ;~rfng cfDbfgL 2,868,184 3,383,626 4,006,995
shf{df ;Defljt IftL Joj:yf÷-lkmtf{_ tyf cGo 224,715 291,823 379,032
gf]S;fgLx?
v"b ;~rfng cfDbfgL 2,643,469 3,091,803 3,627,963
;~rfng vr{ - -
sd{rf/L vr{ 745,033 888,776 1,060,980
cGo ;~rfng vr{ 397,322 461,151 536,183
x|f;s§L / kl/zf]wg 102,496 114,132 126,373
;~rfng d'gfkmf 1,398,619 1,627,744 1,904,427
u}/ ;~rfng cfDbfgL 9,961 10,957 12,053
u}/ ;~rfng vr{ - - -
cfos/ cl3sf] d'gfkmf 1,408,580 1,638,701 1,916,480
cfos/ vr{ 422,681 492,542 575,689
rfn' s/ vr{ 421,516 491,610 574,944
:yug s/ vr{ 1,165 932 745
o; cjlwsf] d'gfkmf 982,373 1,146,159 1,340,791
27
gub k|jfx ljj/0f -?=xhf/df_
cf=j= cf=j= cf=j=
ljj/0f
2078/079 2079/080 2080/081
Aofh cfDbfgL 6,049,361 6,995,429 8,060,135
z'Ns tyf cGo cfDbfgL 381,937 420,131 462,144
nfef+z k|flKt - - -
cGo ;~rfng ultljlwaf6 k|flKt - - -
Aofh vr{ (3,878,837) (4,359,575) (4,856,609)
sldzg tyf z'Ns vr{ (14,504) (16,680) (19,182)
sd{rf/L vr{ (713,475) (849,159) (1,013,730)
cGo vr{ (390,257) (454,848) (531,013)
;~rfng ;DklQ / bfloTjsf] kl/jt{g cl3sf] 1,434,225 1,735,297 2,101,745
;~rfng gub k|jfx
;~rfng ;DaGwL rfn" ;DklQdf sdL÷-j[l4_ (15,616,076) (20,205,590) (26,199,211)
g]kfn /fi6« a}+sdf /x]sf] df}Hbft tyf lng'kg]{ /sd (579,211) (752,974) (946,237)
a}+s tyf ljQLo ;+:yfx?df /x]sf] df}Hbft - - -
cGo Jofkfl/s ;DklQ - - -
a}+s tyf ljQLo ;+:yfx?nfO{ k|jfx u/]sf] shf{ tyf (151,841) (167,025) (183,728)
;fk6L
u|fxsnfO{ k|jfx u/]sf] shf{ tyf ;k6L (14,880,275) (19,280,646) (25,064,093)
cGo ;DklQ (4,748) (4,945) (5,152)
;~rfng ;DaGwL rfn" bfloTjdf j[l4÷-sdL_ 18,233,589 23,519,882 29,501,591
a}+s tyf ljQLo ;+:yfx?nfO{ ltg{ afFsL shf{÷;fk6L 303,122 333,434 366,777
;fk6L - - -
cGo bfloTj 1,577 1,734 1,908
sf/f]af/ ;~rfngaf6 cfos/ cl3sf] v"b gub k|jfx 4,051,738 5,049,589 5,404,125
cfos/ e'QmfgL (456,057) (508,959) (625,819)
sf/f]af/ ;~rfngaf6 ePsf] v"b gub k|jfx 3,595,681 4,540,629 4,778,306
lwtf]kq nufgL vl/b (3,880,630) (1,884,368) (3,444,094)
lwtf]kq nufgLsf] laqmLaf6 k|flKt 300,753 324,814 350,799
;DklQ / pks/0fsf] vl/b (118,267) (124,181) (130,390)
;DklQ / pks/0fsf] laqmLaf6 k|flKt - - -
cd"t{ ;DklQsf] vl/b (4,170) (4,587) (5,046)
cd"t{ ;DklQsf] laqmLaf6 k|flKt - - -
nufgL ;DklQsf] vl/b - - -
nufgL ;DklQsf] laqmLaf6 k|flKt - - -
Aofh cfDbfgL - - -
nfef+z cfDbfgL - - -
nufgL sf/f]af/af6 ePsf] v"b gub k|jfx (3,702,315) (1,688,322) (3,228,731)
ljQLo >f]t sf/f]af/af6 gub k|jfx - - -
C0fkq lgisfzgaf6 k|flKt 1,000,000 - -
Repayment of debt securities - - -
Transfer to Debenture Redemption Reserve - 166,667 166,667
Receipt from issue of subordinated liabilities - - -
Repayment of subordinated liabilities - - -
Receipt from issue of shares 698,423 743,637 921,235
nfef+z vr{ (698,423) (743,637) (921,235)
Aofh vr{ - - -
cGo cfDbfgL÷e'QmfgL - - -
28
ljQLo >f]t sf/f]af/af6 ePsf] v"b gub k|jfx 1,000,000 166,667 166,667
gub k|jfxdf ePsf] v"b j[l4÷-sdL_ 893,367 3,018,974 1,716,241
gub tyf gub ;dfgdf /x]sf] z'?jftL df}Hbft 8,600,058 9,495,966 12,517,863
gub tyf gub ;dfgdf ljlgdo b/df cfPsf] kl/jt{gaf6
2,542 2,923 3,361
ePsf] cfDbfgL÷vr{
gub tyf gub ;dfgdf /x]sf] clGtd df}Hbft 9,495,966 12,517,863 14,237,466
a}+sn] k|If]lkt ljQLo ljj/0f tof/ ubf{ tnsf a'bfFsf cfwf/df u/]sf] 5 M
ljQLo k|If]k0fsf cfwf/ tyf tl/sfx? M
cf=j= cf=j= cf=j=
ljj/0f
)&*÷)&( )&(÷)*) )*)÷)*!
cf}ift lgIf]k a[l4b/ 30.00% 30.00% 29.00%
a}s tyf ljQLo ;+:yf;Fusf] cf}ift shf{ tyf ;fk6 10.00% 10.00% 10.00%
u|fxsx?nfO{ lbOg] cf}ift shf{ tyf ;fk6 a[l4b/ 30.00% 30.00% 30.00%
cf}ift s"n ;+rfng cfDbfgL (Gross Profit) 16.17% 17.97% 18.42%
cf}ift v'b ;+rfng cfDbfgL (Net Profit) 16.14% 17.96% 17.34%
cf}ift Aofh cfDbfgLdf a[l4b/ 15.55% 15.37% 15.01%
cf}ift Aofh vr{df a[l4b/ 13.94% 12.38% 11.39%
;+rfng vr{ a[l4b/ 17.32% 17.61% 17.72%
cfos/ b/ k|ltzt 30.00% 30.00% 30.00%
k"FhLsf]if cg'kft (CAR) 12.61% 11.68% 11.02%
clgjfo{ gub df}Hbft (CRR) 3.25% 3.25% 3.25%
a}wfgLs t/ntf cg'kft (SLR) 28.34% 27.04% 25.21%
CD Ratio 82.12% 82.33% 83.12%
shf{ lgI]fk cg'kft (CCD Ratio) 76.29% 77.09% 78.35%
lgis[o shf{ k|ltzt (NPL) 0.72% 0.69% 0.65%
-v_ ljQLo cg'kft ;DaGwL ljj/0f M

-s_ ;~rfng cjlw tLg jif{{ AotLt e};s]sf] cj:yfdf ljut tLg jif{{sf] / tLg jif{{ AotLt 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{ M
jf:tljs -?=xhf/df_ ckl/is[t k|If]lkt-/sd ?= xhf/df_

ljj/0f cf=j= cf=j= cf=j= cf=j= cf=j= cf=j= cf=j=
)&$÷)&% )&%÷)&^ )&^÷)&& )&&÷)&* )&*÷)&( )&(÷)*) )*)÷)*!
r'Qmf k"FhL 2,534,880 2,788,368 3,238,689 3,675,913 4,374,336 5,117,973 6,039,208
z]o/ lk|ldod 16,297 97 97 97 97 97 97
;+lrt d'gfkmf 320,021 484,366 470,305 706,708 784,560 947,010 1,086,320
hu]8f 431,946 517,682 637,510 828,949 1,067,112 1,522,384 2,042,554
s"n 3,303,144 3,790,513 4,346,602 5,211,666 6,226,105 7,587,464 9,168,179
36fpg] M ckn]vg ug{ - - - - - - -

afFsL vr{
s"n g]6jy{ 3,303,144 3,790,513 4,346,602 5,211,666 6,226,105 7,587,464 9,168,179
z]o/ ;+Vof xhf/df 25,349 27,884 32,387 36,759 43,743 51,180 60,392
k|lt z]o/ g]6jy{ -?=_ 130.31 135.94 134.21 141.78 142.33 148.25 151.81
k|lt z]o/ cfDbfgL 18.53 21.32 17.82 23.26 22.46 22.39 22.20
g]6jy{df cf};t k|ltkmn-Ü_ 14.22 15.68 13.28 16.41 15.78 15.11 14.62
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 jif{{x?sf] sf/f]af/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 hL P08 hL P;f]l;P6;sf rf6{8{ PsfpG6]G6 >L laho/fh l3ld/] /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] .
v_ ljut # jif{sf] g]6jy{df ePsf] cf}ift k|ltkmn M !$=#( %
29
u=!)= lwtf]kq lgisfzg ;DaGwL ljj/0f M
-s_ lwtf]kq hf/L ug'{sf] p2]Zo M
c_ sDkgLsf] k|aGwkq tyf lgodfjnLdf pNn]v ul/Psf p2]Zox? cg'?k ug'{ kg]{ sfd sf/f]af/sf nflu cfjZos kg]{
k"FhL h'6fpg .
cf_ a}+ssf] kF"hLsf]if a[l4 ug{ .
-v_ lwtf]kq lgisfzgaf6 k|fKt k"FhLsf] pkof]uM
-!_ lgisfzgaf6 k|fKt x'g] s"n /sdnfO{ s;/L / s'g If]qdf k|of]u ul/g] 5 tT;DaGwL ljj/0f M
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]
Aoa;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 .
l;=g+= ljj/0f k|ltzt /sd -?=_
! shf{ nufgL 85% *% s/f]8
@ t/ntf tyf Joj;fo lj:tf/ 15% !% s/f]8
hDdf !)) % !)) s/f]8
-@_ ;fj{hlgs lgisfzg ul/g] lwtf]kq k"0f{ ?kdf laqmL gePdf ;fj{hlgs lgisfzgsf] p2]Zo k|flKt ug{sf] nflu
ckgfOg] a}slNks Joj:yf M ;fj{hlgs lgisfzg ul/g] lwtf]kq k"0f{ ?kdf laqmL gePdf ;f] sf] nflu k|Tofe"ltstf{
lgDg adf]lhsf ;+:yfx?;+u ;D‰mf}tf u/LPsf] 5 .
l;=g+= k|Tofe"ltstf{sf] gfd k|Tofe"t z]o/ lsQf
!= s'df/L Soflk6n lnld6]8 #,)),)))
@= s'df/L OlSj6L km08 !,)),)))
#= ;]Gr'/L Soflk6n lnld6]8 !,)),)))
$= lacf]s] Soflk6n dfs]{6\; lnld6]8 !)),)))
%= k|e' Soflk6n lnld6]8 !)),)))
^= l;=lj=cfO{=Pn Soflk6n lnld6]8 #,)),)))
-#_ cfof]hgfsf] ;+rfng :yfg, cfof]hgf r/0fa4 ?kdf sfof{Gjog ul/g] eP k|To]s r/0fdf nfUg] vr{, s'g} r/0f
;dfKt e};s]sf] eP ;f] ;DaGwL ljj/0f M nfu" gx'g] .
-$_ cfof]hgf ;DkGg x'g], kl/If0f pTkfbg z'? x'g] / k"0f{ Jofj;flos pTkfbg z'? x'g] cg'dflgt ldlt M nfu" gx'g] .
-%_ ;+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 ;f] gePsf] .
-^_ s'g} kf6L{;Fu k|ltlnkL 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 ;f] gePsf] .
-&_ 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 nfu" gx'g] .
-*_ cfof]hgfsf] nflu cfjZos sRrf kbfy{sf] pknAwtf / To;sf] >f]t M nfu" gx'g] .
-(_ cfof]hgfsf] nflu cfjZos x'g] ljB't, kfgL, Uof;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]{ M
-s_ lgisfzg tyf laqmL k|aGws— o; ljj/0fkq dfkm{t ;fj{hlgs ?kn] ;j{;fwf/0fdf laqmL ul/g] C0fkqsf]
lgisfzg tyf laqmL k|aGws ;DaGwL sfo{ ug{sf nflu lgo'Qm >L PgcfO{laPn P; Soflk6n lnld6]8nfO{
pQm ;]jf k|bfg u/] afkt ?=!,)),)))÷— -cIf]?kL Ps nfv ?k}+of dfq_ ;]jf z'Ns afkt e'QmfgL lbOg]5 .
-v_ 6«i6L -l8j]Gr/ lgisfzgsf] xsdf_— l8a]Gr/ 6«i6Lsf] ;]jf k|bfg u/] afkt >L PgcfO{laPn P; Soflk6n
lnld6]8nfO{ jflif{s ?=!%,)))÷— -cIf]?kL kGw| xhf/ dfq_ ;]jf z'Ns afkt e'QmfgL lbOg]5 .
-u_ qm]l86 /]l6Ë z'Ns — Oqmf g]kfn lnld6]8nfO{ l8a]Gr/ lgisfzgsf] nflu qm]l86 /]l6Ë ;]jf k|bfg u/] afkt
Psd'i7 ?= #,(),@%)÷—-cIf]?kL ltg nfv gAa] xhf/ b'O{ ;o krf; dfq_ s/ ;d]t / C0fkqsf] bf]>f] jif{
b]vL tLg jif{ ;Dd jflif{s !) k|ltztsf b/n] a[l4 ug]{ / ;f] kZrftsf jif{x?df cfk;L ;xdltdf jflif{s
z'Ns lgwf{/0f u/L e'QmfgL lbOg]5 .
-3_ k|Tofe"ltstf{ — o; ljj/0fkq dfkm{t laqmL ul/g] C0fkqsf] k|Tofe"lt ;DaGwL sfo{ ug{sf nflu lgo'Qm
ul/Psf] k|Tofe"ltstf{x?nfO{ lgDg adf]lhd ;]jf z'Ns afkt e'QmfgL lbOg]5 .
l;=g+= k|Tofe"ltstf{sf] gfd ;]jf z"Ns /sd
!= s'df/L Soflk6n lnld6]8 !%,)),)))÷–
@= s'df/L OlSj6L km08 %,)),)))÷–
#= ;]Gr'/L Soflk6n lnld6]8 %,)),)))÷–
30
$= la=cf]=s]= Soflk6n dfs]{6\; lnld6]8 %,)),)))÷–
%= k|e' Soflk6n lnld6]8 %,)),)))÷–
^= l;=lj=cfO{=Pn Soflk6n lnld6]8 !%,)),)))÷–
hDdf %),)),)))÷–
-ª_ lj1x?—ljQLo k|If]k0f k'g/fjnf]sg u/L k|dfl0ft ug]{ lj1nfO{ ?= %),)))÷—-cIf]?kL krf; xhf/ dfq_ .
-r_ n]vfk/LIfs — o; ;fj{hlgs lgisfzgsf] nflu n]vfkl/IfsnfO{ e'QmfgL gul/Psf] .
-5_ cGo -h:t} ;+sng s]Gb|, lgisfzg a}+s cflb_— ;f] gePsf] .
-u_ ;fj{hlgs lgisfzgaf6 k|fKt /sdnfO{ cfof]hgfdf k|of]u ug{ k"j{ cGo s'g} Joj:yf ug{ nfluPsf] 5 eg]
tT;DaGwL ljj/0f M ;f] gePsf] .
-3_ lk|ldoddf lwtf]kq hf/L ug]{ ePdf M ;f] gePsf] .
-ª_ lwtf]kq afF8kmfF6, lkmtf{ e'QmfgL tyf ;"lrs/0f ;DaGwL Joj:yf M
-!_ cToflws dfu jf Go"g dfu ePsf] cj:yfdf afF8kmfF6sf] k|s[of M o; ljj/0fkq dfkm{t hf/L ul/Psf] C0fkq
;+Vof eGbf a9L ;+Vofdf C0fkq vl/bsf] nflu b/vf:t k|fKt x'g cfPdf g]kfn lwtf]kq af]8{sf] k|rlnt
lwtf]kq lgisfzg tyf afF8kmfF6 lgb]{lzsf, @)&$ df ePsf] Joj:yf cg';f/ C0fkq afF8kmFf6 ul/g]5 /
C0fkq afF8kmfF6 ;DaGwL ;"rgf /fli6«o :t/sf] b}lgs klqsfdf k|sflzt ul/g]5 . olb s'g} kIfn] -JolQmut
tj/÷;j{;fwf/0f_ ;f] kIfnfO{ 5'6\ofPsf] C0fkq vl/b gu/]df ;f] C0fkq csf]{ kIfnfO{ -JolQmut
tj/÷;j{;fwf/0f_ vl/b ug]{ Joj:yf ul/g]5 .
-@_ cToflws dfu ePsf] jf afF8kmfF6 gePsf] cj:yfdf lkmtf{ e'QmfgL ;DaGwL Joa:yf M o; ljj/0fkq dfkm{t
hf/L ul/g] C0fkqsf] nflu ælwtf]kq vl/b -;fj{hlgs lgisfzg_ ;DaGwL lgb]{lzsf, @)&#Æ cg'?k cf:jf
(ASBA) ;b:o a}+s tyf ljQLo ;+:yfaf6 dfq cfj]bg lbg ;Sg]5 / cfj]bsx?sf] afF8kmfF6df gk/]sf] C0fkq
afkt /sd ;DalGwt a}+s tyf ljQLo ;+:yfn] cfj]bsn] cfj]bg ubf{sf] avt /f]Ssf /fv]sf] vftfsf] /sd
dfq km's'jf ul/ lkmtf{ e'QmfgL ul/g]5 .
-#_ lgj]bg ;fy k|fKt /sdsf] lkmtf{ e'QmfgLdf l9nfO{ ePdf lbOg] Aofhb/ M CASBA dfkm{t C0fkqdf cfj]bg
lbg] cfj]bsx? Affx]s cGo dfWod dfkm{t C0fkqdf cfj]bg ug]{ k|To]s cfj]bsnfO{ lghn] cfj]bg u/]sf]
ldlt b]lv af8Fkmf8F x'g] lbg ;Ddsf] cjlwsf nflu k|rlnt ahf/sf] b/n] vl08t cjlwsf] Jofh (Broken
Period Interest) k|bfg ul/g]5 .
-$_ lwtf]kqsf] afF8kmfF6 tyf k|df0fkq hf/L ;DaGwL k|s[of / ;dofjlw M lgisfzg ul/g] C0fkq k|rlnt
lwtf]kq lgisfzg tyf afF8kmfF6 lgb]{lzsf, @)&$ ;DaGwL Joj:yf cg';f/ C0fkqsf] afF8kmfF6 u/L ;"lrs/0f
eP kZrft ;DalGwt C0fkqwgLsf] lxtu|fxL (Demat) vftfdf hDdf ul/g]5 .
-%_ lwtf]kq ;"lrs/0f e};s]sf] eP, To:tf] lwtf]kq ;"rLs/0f ul/Psf] lwtf]kq ahf/sf] gfd / lwtf]kq sf/f]jf/
z'? x'gsf] nflu ;+ul7t ;+:yfn] k"/f ug'{ kg]{ zt{x? ;DaGwL ljj/0f M a}+ssf] xfn sfod /x]sf] z]o/ g]kfn
:6s PS;r]Ghdf ;"lrs/0f /x]sf] . o; ljj/0fkq dfkm{t lgisfzg ul/g] C0fkq afF8kmfF6 kZrft ;"lrs/0f
ul/g] 5 .
-^_ lwtf]kq ;"lrs/0f e}g;s]sf] eP, ;+ul7t ;+:yfn] lgisfzg tyf laqmL ul/g] lwtf]kqx? k|rlnt P]g, lgod
cg';f/ ;xh v/Lb laqmL jf ljlgdo x'g ;Sg] u/fpgsf] nflu ul/g] Joj:yf ;DaGwL ljj/0f M o; ljj/0fkq
dfkm{t lgisfzg ul/g] C0fkq lwtf]kq btf{ tyf lgisfzg lgodfjnL, @)&# tyf k|rlnt lwtf]kq lgisfzg
tyf afF8kmfF6 lgb]{lzsf, @)&$ ;DaGwL Joj:yf cg';f/ C0fkqsf] afF8kmfF6 u/] kZrft g]kfn :6s PS;r]Gh
lnld6]8 tyf l;l8P; P08 lSnol/Ë lnld6]8df k|rlnt Joa:yf cg';f/ ;"lrs/0f tyf btf{ u/fO{{ C0fkqsf]
vl/b laqmL tyf /fkm;fkmsf] nflu cfjZos Joj:yf ldnfOg]5 .
-r_ k|Tofe"lt ;DaGwL ljj/0f M
-!_ lwtf]kq k|Tofe"lt ug]{ ;+ul7t ;+:yfsf] gfd, 7]ufgf / k|Tofe"lt ug]{ lwtf]kqsf] ;+Vof / /sd M
l;=g+= k|Tofe"ltstf{sf] gfd 7]ufgf ;]jf z"Ns /sd /sd
!= s'df/L Soflk6n lnld6]8 gS;fn, sf7df08f}+ #,)),))) #),)),)),)))
@= s'df/L OlSj6L km08 gS;fn, sf7df08f}+ !,)),))) !),)),)),)))
#= ;]Gr'/L Soflk6n lnld6]8 sdnfbL, sf7df08f}+ !,)),))) !),)),)),)))
$= la=cf]=s]= Soflk6n dfs]{6\; lnld6]8 sdnfbL, sf7df08f}+ !)),))) !),)),)),)))
%= k|e' Soflk6n lnld6]8 sdnfbL, sf7df08f}+ !)),))) !),)),)),)))
^= l;=lj=cfO{=Pn Soflk6n lnld6]8 l8NnLahf/, sf7df08f}+ #,)),))) #),)),)),)))
hDdf !),)),))) !,)),)),)),)))
31
-@_ lwtf]kq k|Tofe"ltstf{;Fu ul/Psf] ;Demf}tfsf] d'Vo d'Vo aF"bfx? M
o; ljj/0fkq dfkm{t lgisfzg ug{ nfluPsf] lwtf]kqsf] k|Tofe'ltstf{ ;Fu ul/Psf] ;Demf}tfsf] d'Vo d'Vo a'Fbfx?
b]xfo adf]lhd /x]sf] 5 M
!= k|Tofe'ltstf{n] !),)),))) -bz nfv_ lsQf C0fkqsf] nflu k|Tofe'lt ;]jf k|bfg u/]sf] 5 .
@= k|Tofe'ltstf{nfO{ k|Tofe'lt ;]jf k|bfg u/] afkt sDkgLn] ?=%),)),)))÷— -cIf/]kL ?k}of krf; nfv_ e'QmfgL
lbOg]5 .
#= o; ljj/0fkq cg';f/ hf/L ul/g] C0fkqx?df k|Tofe'ltstf{sf] bfloTj k|Tofe'ltt lsQf C0fkqx?df dfq l;ldt
x'g]5 .
$= o; ljj/0fkq cg';f/ hf/L ul/g] C0fkqx? k"0f{ ?kdf laqmL gePdf dfly pNn]lvt k|Tofe'ltt lsQf
C0fkqx?df
l;ldt x'g] u/L k|Tofe'ltstf{n] vl/b ug]{ ;xdlt hgfPsf] 5 .
%= k|Tofe'lt ;Demf}tfkqsf] cjlw k|Tofe'ltstf{sf] bfloTj ;dfKt geP ;Dd x'g]5 .
^= o; ljj/0fkq cg';f/ hf/L ul/g] C0fkqx? k"0f{ ?kdf laqmL ePsf] v08df ;Demf}tfkq :jtM vf/]h x'g]5 .
&= k|Tofe'lt ;DaGwL cGo Joj:yfx? k|rlnt sfg"g tyf k|Tofe'lt ;DaGwL ;Demf}tfdf pNn]v eP adf]lhd x'g]5
-5_ cfj]bg lb+bf Wofg lbg' kg]{ s'/fx? M
-!_ lwtf]kqjfnfsf] clwsf/ tyf k|ltaGwfTds Joj:yfx? h:t} dtflwsf/,nfef+z, xsk|b z]o/, lwtf]kqjfnfsf]
clwsf/df kl/jt{g ug]{ k|s[of tyf lwtf]kqsf] vf/]hL cflb ;DaGwL ljj/0f M
lwtf]kqjfnfsf] clwsf/ tyf k|ltaGwfTds Joj:yfx? h:t} dtflwsf/, lwtf]kqjfnfsf] clwsf/df kl/jt{g ug]{
k|s[of tyf lwtf]kqsf] vf/]hL cflb ;DaGwL Joj:yf k|rlnt sfg"g adf]lhd x'g]5÷ul/g]5 . ;fy} o; ljj/0fkq
dfkm{t lgisfzg ul/Psf] C0fkq vl/bsf nflu cfj]bg u/L afF8kmfF6 eP kZrft sfod C0fkqwgLx?n]
sDkgLsf] jfflif{s ;fwf/0f ;efdf efu lng / dtbfg ug{ kfpg] 5}gg\ .
-@_ lgodfjnL, k|aGwkq k|fKt ug]{ jf x]g{ ;Sg] 7fpF, e'QmfgL ug]{ tl/sf, lng'kg]{ Go"gtd lwtf]kq ;+Vof / ;f] eGbf
dfly lng] ePdf s'g u'0ffÍdf lng ;Sg] xf] ;f] ;DaGwL ljj/0f M
s= o; sDkgLsf] k|aGwkq tyf lgodfjnL sfof{no ;do leq a}+ssf] /lhi6«8{ sfof{no, nflhdkf6, sf7df08f}+,
lwtf]kq lgisfzg tyf laqmL k|aGws PgcfO{laPn P; Soflk6n lnld6]8, nflhDkf6, sf7df08f}+df ;Dks{
/flv x]g{ jf k|fKt ug{ ;lsg]5 .
v= o; ljj/0fkq dfkm{t lgisfzg ul/g] C0fkq vl/bsf nflu b/vf:t lbFbf b/vf:tjfnfn] Go"gtd @%
-kRrL;_ lsQf / clwstd !,)),))) -Ps nfv_ lsQf C0fkq vl/bsf nflu cfj]bg lbg' kg]{5 . Go"gtd
@% -kRrL;_ lsQf eGbf a9L C0fkq vl/b ug{sf nflu ! c+ssf] u'0ffÍdf clwstddf !,)),))) -Ps
nfv_ lsQf C0fkq vl/b ug{sf nflu b/vf:t lbg ;lsg]5 . t/ JolQmut tj/ (Private Placement) af6 laqmL
ul/g] C0fkqsf] xsdf clwstd xb nfu" x'g] 5}g .
u= o; ljj/0fkq dfkm{t lgisfzg ul/g] C0fkq vl/b ug{sf nflu b/vf:t lbFbf b/vf:tjfnfn] b/vf:t ;fy
cfkm"n] vl/b ug{ rfx]sf] C0fkq ;+Vofsf] k|lt C0fkq ?=!,)))÷—-Ps xhf/_ sf b/n] x'g cfpg] Psd'i7
/sd g]kfn lwtf]kq af]8{af6 Ohfhtkq k|fKt cf:jf (ASBA) ;b:o a}+s tyf ljQLo ;+:yfdf hDdf u/L
cfj]bg lbg' kg]{5 . t/ JolQmut tj/ (Private Placement) af6 laqmL ul/g] C0fkqsf] xsdf lgisfzg sDkgL
jf lwtf]kq lgisfzg tyf laqmL k|aGws dfkm{t lnlvt ?kdf ;xdtL hgfO{ vl/b ug{ ;Sg]5g\ .
-#_ cfj]bg lb+bf kfngf ug'{kg]{ zt{ aGb]hx? h:t} Ps eGbf a9L b/vf:t lbg gkfOg], nufgLstf{sf] klxrfgsf]
nflu gful/stf÷hGdbtf{sf] k|dfl0ft k|df0fkqsf] k|ltlnlk k]z ug'{kg]{ jf lwtf]kq bnfn Joj;foLn] lbPsf]
u|fxssf] kl/ro gDa/ / ;DalGwt Joj;foLsf] gfd v'nfpg'kg]{ / a}+s vftf dfkm{t sf/f]af/ ul/g'kg]{ h:tf
kIfx? M
s= s'g} klg ;j{;fwf/0f g]kfnL gful/ssf ;fy} g]kfnL ;+3 ;+:yf jf sDkgLn] o; ljj/0fkq dfkm{t hf/L ul/g]
C0fkq vl/bsf nflu b/vf:t lbg ;Sg]5g\ . lgisflzt ;Dk"0f{ C0fkqsf nflu $ -rf/_ sfo{ lbg ;Dddf
;j{;fwf/0f g]kfnL gful/saf6 cfj]bg k|fKt gePsf] v08df dfq g]kfnL ;+3;+:yf jf sDkgLn] cfj]bg lbg
kfpg]5 .
v= b/vf:t lb+bf g]kfn lwtf]kq af]8{af6 Ohfhtkq k|fKt cf:jf (ASBA) ;b:o a}+s tyf ljQLo ;+:yf dfkm{t
cfj]bg kmf/fd a'emfpg' kg]{5 / ;f]xL ;+:yfaf6 pknAw u/fO{g] cfj]bg kmf/fddf pNn]lvt ;Dk"0f{ ljj/0fx?
:ki6 ?kdf pNn]v ug'{ kg]{5 . ;f] ;DaGwL cGo k|s[of tyf z'Ns ;DaGwL Joj:yf ;DalGwt cf:jf (ASBA)
;b:o a}+s tyf ljQLo ;+:yfn] cfkm\gf] sfof{nosf] ;"rgfkf6L, j]a;fO6 jf /fli6«o :t/sf] b}lgs kqklqsfdf
k|sflzt u/L tf]s] adf]lhd x'g]5 .
u= cfj]bsn] cfj]bg lbFbf cf:jf (ASBA);b:o a}+s tyf ljQLo ;+:yfdf /x]sf] cfjb]g afktsf] /sd /f]Ssf
/flvg] vftf cGo s'g} k|sf/n] /f]Ssf /x]sf] jf lgis[o /x]sf] x'g' xF'b}g .
3= Ps JolQmn] cfkm"n] vl/b ug{ rfx]sf] C0fkqsf] nflu Ps eGbf a9L b/vf:t lbg] kfpg] 5}g . olb Ps
JolQmsf] gfddf Ps eGbf a9L b/vf:t k|fKt x'g cfPdf ;Dk"0f{ b/vf:tnfO{ /4 ul/g]5 .
ª= /Ltk"j{s k|fKt gePsf] cfj]bgnfO{ C0fkq afF8kmfF6df ;dfj]z ul/g] 5}g / ;f] sf] lhDd]jf/
cfj]bs÷;DalGwt cf:jf (ASBA) ;b:o a}+s tyf ljQLo ;+:yf :jo+ x'g]5 .
32
r= C0fkq vl/bsf nflu b/vf:t lbFbfsf] cj:yfdf jf b/vf:t lbO{ ;s]kl5 vl/b u/]sf] C0fkq afktsf] /sd
e'QmfgL gx'Fb} 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 laqmL k|aGwsn] To:tf] cfj]bg kmf/fdnfO{ /2 u/L ;f] sf] hfgsf/L ;DalGwt
cf:jf (ASBA);b:o a}+s tyf ljQLo ;+:yfnfO{ u/fpg]5 .
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 .
JolQmut tj/ (Private Placement) af6 laqmL ul/g] C0fkq vl/b ug{ rfxg] cfj]bsx?n] kfngf ug'{kg{] d'Vo s'/fx? M
!= s'g} klg g]kfnL ;+3 ;+:yfn] o; ljj/0fkq cg';f/ hf/L ul/g] C0fkq vl/b ug{ cfj]bg lbg ;Sg]5g\ . cfj]bsn]
cfkm"n] lng rfx]sf] C0fkq, clwstd ;Ldf v'Ng] ul/ o;} a}+ssf] laqmL k|aGwsnfO{ 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/fd g]kfnL tyf c+u|]hL b'j} 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
a/fa/sf] PgcfO{laPn P; Soflk6n lnld6]8sf] gfddf lvlrPsf] a}+s Psfp06 k]oL r]s ;+nUg ePsf] x'g'kg]{5 .
o;/L r]s dfkm{t /sd a'´fpg' x'g] cfj]bsx?n] cfj]bgdf ;f] r]ssf] gDa/ / r]ssf] k5fl8 cfj]bssf] gfd
clgjfo{ ?kdf v'nfpg' kg]{5 . o;sf] cnfjf, lgj]bsn] PgcfO{laPn P; Soflk6n lnld6]8sf] gfddf A/C
Transfer u/L Credit Advice lgj]bgsf] ;fydf ;+nUg u/]/ klg cfj]bg lbg ;lsg]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 .
u=!!=;DalGwt kIf aLrsf] sf/f]af/ ;DaGwL ljj/0f M
lgisfzgstf{ ;+ul7t ;+:yf / lgDglnlvt kIf aLr ljut @ jif{{sf] cjlwdf s'g} k|sf/sf] a: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 M
-s_ ;+ul7t ;+:yfsf] sfo{sf/L clws[t jf ;~rfnssf] ?kdf /x]sf] JolQm M sf/f]af/ 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 ;+:yf M ;f] gePsf] .
-ª_ ;+ul7t ;+:yf jf To;sf] ;xfos sDkgLn] xfnsf] ;~rfns jf gLhsf] 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] ;~rfns
jf ;~rfnssf] Psf3/ kl/jf/sf] ;b:osf nflu s'g} sf/f]jf/ jf ;Demf}tf u/]sf] eP ;f] s'/f M s'g} sf/f]jf/ jf
;Demf}tf u/]sf] 5}g .
-r_ s'g} ;~rfns jf ;~rfnssf] Psf3/ kl/jf/sf] ;b:onfO{ s'g} C0f lbPsf] jf lgh;Fu lnPsf] eP pQm C0f
;DaGwL lj:t[t ljj/0f h:t} C0f afkt lnPsf] /sd, C0fsf] Aofhb/, C0f lnPsf] ldlt, C0f e'QmfgL cjlw cflb
s'/f ljj/0fkqdf v'nfpg' kg]{ M s'g} C0f sf/f]af/ u/]sf] 5}g .
u=!@=ljb]zL nufgL / Joj:yfkg ;DaGwL ljj/0f M
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 ;f] gePsf] .
u=!#=;"rLs[t ;+ul7t ;+:yfn] ;fj{hlgs lgisfzg ug]{ ePdf ;f] sf] ljj/0f M
-s_ ;+ul7t ;+:yfsf] ljut # cfly{s jif{{sf] k|To]s q}dfl;s cjlwsf] pRrtd, Go"gtd, clGtd ahf/ d"Nosf ;fy}
sf/f]af/ ePsf] z]o/ ;+Vof M
clwstd z]o/ Go'gtd z]o/ clGtd ahf/ z]o/ sf/f]af/
ljj/0f
d"No -¿=_ d"No -¿=_ d"No -?=_ ;+Vof
rf}+yf] q}df; cf=j=)&&÷)&* 627 323 544 14,237,512
t]>f] q}df; cf=j=)&&÷)&* 360 301 348 5,142,637
bf]>f] q}df; cf=j=)&&÷)&* 332 255 325 52,923
klxnf] q}df; cf=j=)&&÷)&* 277 223 265 2,156,670
33
rf}+yf] q}df; cf=j=)&^÷)&& 225 220 223 185,879
t]>f] q}df; cf=j=)&^÷)&& 298 211 220 2,188,020
bf]>f] q}df; cf=j=)&^÷)&& 230 183 226 575,182
klxnf] q}df; cf=j=)&^÷)&& 230 206 216 460,836
rf}+yf] q}df; cf=j=)&%÷)&^ 240 195 224 1,146,195
t]>f] q}df; cf=j=)&%÷)&^ 199 178 195 413,329
bf]>f] q}df; cf=j=)&%÷)&^ 209 171 185 536,203
klxnf] q}df; cf=j=)&%÷)&^ 209 170 180 510,399
gf]6 Mz]o/sf] cBfjlws ahf/ d"No g]kfn :6s PS;r]Gh lnld6]8n] k|sflzt ug]{ ahf/ d"No;"rL dfkm{t hfgsf/L
lng ;lsg]5 .
-v_ af]8{df ljj/0fkq btf{sf] nflu k|:t't ug'{ 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
clwstd z]o/ Go'gtd z]o/ clGtd ahf/ z]o/ sf/f]af/ sf/f]af/
dlxgf
d"No -¿=_ d"No -¿=_ d"No -?=_ ;+Vof lbg
@)&* cflZg 625 527 575 1,644,146 16
@)&* efb| 750 556 599 5,059,006 20
@)&* >fj0f 675 538 644 4,778,361 21
@)&* c;f/ 570 465 544 1,640,213 20
@)&* h]i7 627 352 586 4,170,291 23
@)&* a}zfv 379 330 349 827,071 21
gf]6M z]o/sf] cBfjlws ahf/ d"No g]kfn :6s PS;r]Gh lnld6]8n] k|sflzt ug]{ ahf/ d"No;"lr dfkm{t hfgsf/L lng
;lsg]5 .
u=!$=kl5Nnf] ;fj{hlgs lgisfzgsf] cg'dfg tyf pknAwL ;DaGwL ljj/0f M
;+ul7t ;+:yfn] o; eGbf cuf8L lwtf]kq lgisfzg ubf{ tof/ u/]sf] ljj/0fkq jf cGo ljj/0fx?df pNn]vLt ul/Psf
nIo tyf 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/0fM
o; ul/df ljsf; a}+sn] cf=j= @)&#÷&$ df xsk|b Zf]o/ lgisfzg ubf{ a'emfPsf] ljj/0fkqdf k|:t't cf=j= @)&%÷&^
sf] k|If]lkt ljQLo ljj/0f g]kfn /fi6« a+}ssf] lgb]{zg $ cg';f/ k|:t't ul/Psf] / xfnsf] jf:tljs ljQLo ljj/0f lgb]{zg
$ -NFRS) cg';f/ k|:t't ul/Psf] x'gfn] tn pNn]v ul/Psf] c+sx? km/s kg{ uPsf] Joxf]/f hfgsf/L u/fpb5f} .
jf;nft
/sd ? xhf/df
jf:tljs k|If]lkt
;DklQ cf=j= cf=j= km/s -Ü_ sf/0f
2075/076 2075/076
gub tyf gub ;dfg 6,452,851 804,261 87Ü Zfvf sfof{no a[l4
g]kfn /fi6« a}+sdf /x]sf] df}Hbft tyf lng'kg]{ 1,219,671 1,801,546 47Ü
shf{ ;+rfngdf Jofhb/df
/sd cfPsf] kl/jt{g
a}+s tyf ljQLo ;+:yfdf /x]sf] df}Hbft tyf - 5983477 - -
nufgL -Kn];d]G6_
Jo"TkGg -8]l/e]l6e_ ljQLo pks/0f 667,143 - - sf/f]jf/ yk Pj+ kl/:s[t
cGo Jofkf/Ls ;DklQx? - - - -
a}+s tyf ljQLo ;+:yfnfO{ k|jfx u/]sf] shf{ 227,700 - - -
tyf ;fk6L
u|fxsx?nfO{ k|jfx u/]sf] shf{ tyf ;fk6L 28,210,992 27,442,519 2.7Ü Joj;fosf lj:tf/
lwtf]kqdf u/]sf] nufgL 1,390,879 501960 63Ü nufgL of]Uo cj:yf gx'g'
rfn' s/ ;DklQ 656,683 - - -
;xfos sDkgLdf nufgL - - - -
;Da4 sDkgLdf nufgL 2,792 - - -
;DklQdf nufgL 32,114 - - -
;DklQ / pks/0f 359,688 233146 35Ü Joj;fo lj:tf/
u'8jLn -VoftL_ / cd't{ ;DklQ 7,582 - - -
34
:yug s/ ;DklQ 21,290 - - -
cGo ;DklQ 155,744 116,569 25Ü Joj;fosf sf/0f
s"n ;DklQ 38,749,107 36,883,478 4.8Ü Joj;fo lj:tf/ tyf dh{/
bfloTj / k"FhL
a}+s tyf ljQLo ;+:yfnfO{{ ltg{ afFsL 3,371,683 - - -
shf{÷;fk6L
g]kfn /fi6« a}+snfO{ ltg{ afFsL /sd 500,000 - - -
Jo"TkGg -8]l/e]l6e_ ljQLo pks/0f 695,925 - - -
u|fxssf] lgIf]k bfloTj 29,762,509 32,170,456 8Ü Joj;fosf sf/0f
;fk6L - - - -
rfn' s/ bfloTj - 332109 - -
Joj:yf /sdx? - - - -
:yug s/ bfloTj - - - -
cGo bfloTjx? 628,476 4,00,951 36Ü Joj;fosf sf/0f
hf/L ul/Psf] C0fkq - - - -
c;'/lIft ;xfos cfjlws bfloTj - - - -
s"n bfloTj - 32903516 - -
k"FhL
z]o/ k"FhL 2,788,367 3,040,533 9Ü Joj;fosf sf/0f
z]o/ lk|ldod 97,068 - - -
Joj;fo lj:tf/, zfvf
;l~rt d'gfkmf 484,724 351,586 27Ü sfof{no a[l4
hu]8f 517,323 587,843 14Ü Joj;fosf sf/0f
z]o/wgLx?nfO{ afF8kmfF8of]Uo s"n OlSj6L 3,790,513 - - -
u}/ lgolGqt :jfy{ - - - -
hDdf k"FhL 3,790,513 - - -
hDdf bfloTj / k"FhL 38,749,107 3,979,962 89Ü Joj;fosf sf/0f
gfkmf gf]S;fg lx;fa

/sd ? xhf/df
jf:tljs k|If]lkt
ljj/0f cf=j= cf=j= km/s -Ü_ sf/0f
2075/076 2075/076
3,675,566 17Ü
Jofj;fo lj:tf/ tyf
Aofh cfDbfgL 3,038,117 zfvf sfof{no j[l4
Aofh vr{ (2,273,633) 1,559,714 31Ü Joj;fo lj:tf/
v"b Aofh cfDbfgL 1,401,933 1,478,403 5Ü Joj;fo lj:tf/
298,983 83Ü
Joj;fo lj:tf/ tyf
z'Ns tyf sldzg cfDbfgL 50,589 Aofhb/df cfPsf] kl/jt{g
z'Ns tyf sldzg vr{ 5,457 140,233 - -
v"b z'Ns / sldzg cfDbfgL 293,526 - - -
v"b Aofh, z'Ns / sldzg cfDbfgL 1,695,459 - - -
v"b Jofkfl/s cfDbfgL - - - -
cGo ;~rfng cfDbfgL 2,673 - - -
shf{df ;Defljt IftL Joj:yf÷-lkmtf{_ tyf 98,875 - -
cGo gf]S;fgLx? -
v"b ;~rfng cfDbfgL 1,599,257 - - -
;~rfng vr{
sd{rf/L vr{ 424,881 224,247 47Ü zfvf sfof{no j[l4
49Ü Joj;fosf sf/0f
x|f;s§L / kl/zf]wg 68,532 157,582
;~rfng d'gfkmf 864,621 1,214,224 40Ü Joj;fo lj:tf/
35
u}/ ;~rfng cfDbfgL 6,597 3,510 46Ü Joj;fosf sf/0f
u}/ ;~rfng vr{ - - - -
cfos/ cl3sf] d'gfkmf 872,200 1,217,734 .39Ü Joj;fosf sf/0f
cfos/ vr{ 277,776 110,704 60Ü Joj;fo lj:tf/
rfn" s/ vr{ 275,516 332,109 20Ü Joj;fosf sf/0f
:yug s/ vr{ 2,259 - - -
o; cjlwsf] d'gfkmf 594,423 774,921 30Ü Joj;fosf sf/0f
gfkmf jfF8kmfF8 - - - -
a}+ssf] z]o/ wgL 594,423 27,641,207 - -
u}/ lgolGqt :jfy{ - - - -
o; cjlwsf] d'gfkmf 594,423 27,641,207 - -
u=!%=k/fdz{bftf÷ ljz]if1 ;DaGwL ljj/0fM

-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] a}wflgs n]vfk/LIfs >L laho/fh l3ld/], ;f´]bf/, >L hL P08 hL
P;f]l;P6\;, sf7df08f} /xg' ePsf] 5 .
 k|d'v a}+s M o; lgisfzgsf] nflu k|d'v a}+ssf] Joj:yf ul/Psf] 5}g .
 lgisfzg sfo{;Fu ;+nUg a}+s
ælwtf]kq vl/b -;fj{hlgs lgisfzg_ ;DaGwL lgb]{lzsf, @)&#Æ k"0f{ ?kdf nfu" eO{;s]sf] ;Gbe{df of] Joj:yf nfu"
gx'g] .
 k|If]lkt ljQLo ljj/0f tof/ kfg]{ lj1
o; ljj/0fkqdf pNn]v ul/Psf] ljQLo k|If]k0fsf] ljj/0f tof/ kfg]{ lj1df >L cfjf; P08 P;f]l;P6;sf rf6{8{
PsfpG6]G6 >L cfjf; uf}td /x]sf] 5 .
 k|If]lkt ljQLo ljj/0f 7Ls 5 egL k|dfl0ft ug]{ lj1sf] gfd tyf 7]ufgf
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/ ul/Psf ljQLo k|If]k0fsf ljj/0f oyfy{k/s /x]sf] egL k|dfl0ft ug]{ ljz]if1df L
cfjf; P08 P;f]l;P6;sf rf6{8{ PsfpG6]G6 >L cfjf; uf}td /xg'ePsf] 5 .
-v_ dfly v08 !%-s_ df pNn]lvt ;+:yf jf JolQm;Fu ;xdltsf d'Vo d'Vo a'Fbf tyf zt{x?M ;f] gePsf] .
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/0fM
nfu" gx'g].
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'2f dfldnf jf ljjfb eP ;f]
;DaGwL ljj/0f tyf pk/f]Qm d'2f jf ljjfbsf] sf/0faf6 kg{ ;Sg] k|efj ;DaGwdf Joj:yfkgsf] wf/0ff M nfu"
gx'g] .
-v_ ;+ul7t ;+:yfnfO{ c;/ kg]{ u/L ;+:yfsf] ;+:yfks÷;~rfnsn] jf nfO{ bfo/ ul/Psf] d'2f ;DaGwL ljj/0f M xfn
;Dd ;+ul7t ;+:yfnfO{ tflTjs c;/ kg]{ u/L ;+:yfsf] ;+:yfks÷;~rfnsn] jf nfO{ d'2f bfo/ ul/Psf] 5}g .
-u_ 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] eP, To:tf] ;+:yfks÷;~rfnssf] gfd / ;hfo ug]{ lgodg
lgsfo jf cbfntsf] gfd pNn]v ug'{ kg]{ M ;f] gePsf] .
-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[ofM
o; ;fj{hlgs lgisfzg ;DaGwdf nufgLstf{x?sf] u'gf;f] ;'Gg / ;f] sf] ;dfwfgsf] nflu lwtf]kq lgisfzg tyf laqmL
k|aGwssf] sfof{no PgcfO{laPn P; Soflk6n lnld6]8, nflhDkf6, sf7df8f}+df Ps ljz]if sIfsf] Joj:yf ul/Psf] 5 .
s'g} klg nufgLstf{n] o; lgisfzg;Fu ;DalGwt ljifodf s'g} u'gf;f] jf ;'emfjsf nflu ;Dks{ JolQm >L ;ldIff
g]kfnnfO{ lghs} sfo{sIfdf jf lghnfO{ sfof{no ;doleq $$@%@*) PS;6]G;g $@@ df ;Dks{ ug{ ;lsg]5 .
u=!(= gub glnO{ s;}nfO{ lwtf]kq lgisfzg ul/Psf] 5 eg] To:tf] JolQm jf ;d"xsf] gfd, v/Lb ul/Psf] ;DklQ jf ;]jf
;DaGwL ljj/0f, lgisfzg ul/Psf] lwtf]kqsf] ;+Vof / b/ ;DaGwL ljj/0f M ;f] gePsf] .
36
u=@)= C0fkq lgisfzg ;DaGwL ljj/0f M
-s_ o; ljj/0fkq dfkm{t lgisfzg ug{ nfluPsf] æul/df l8j]Gr/, @)*%Æ lgisfzg ug{ zt{x? b]xfo adf]lhd /x]sf]5 M
-c_ C0fkq lgisfzgsf] zt{ aGb]hx? M C0fkq lgisfzg ;DaGwL zt{ / aGb]hx? o; ljj/0fkqsf] bkmf
u=!)=5 df pNn]v ul/Psf] 5 .
-cf_ C0fkqsf] cjlw(Maturity Period) M o; C0fkqsf] cjlw C0fkq afF8kmfF6 ePsf] lbgaf6 & -;ft_ jif{{sf]
x'g]5 . ;f] cjlw kZrft sDkgLn] o; C0fkqsf] ;fFjf / clGtd ls:tfsf] ltg{ afFsL Aofh /sd Psd'i7
e'QmfgL ug]{5 .
-O_ lgisfzg ul/g] C0fkqsf] /sd M k|lt C0fkq ?=!,)))÷— c+lst d"Nosf !) nfv lsQf C0fkqn] x'g
cfpg] s"n ?=! ca{ C0f k"FhL /sd dWo] ?=$) s/f]8 C0fk"FhL /sd a/fa/ k|lt C0fkq ?=!,)))÷— c+lst
d"Nosf $ nfv lsQf C0fkq -;f] dWo] %% cyf{t @)))) lsQf C0fkq ;fd'lxs nufgL sf]ifsf nflu
5'§ofPsf] ;d]t_ ;j{;fwf/0f g]kfnLsf] nflu ;fj{hlgs lgisfzg tyf ?=^) s/f]8 C0fk"FhL /sd a/fa/ k|lt
C0fkq ?=!,)))÷– c+lst d"Nosf ^ nfv lsQf C0fkq ljleGg JolQm jf ;+3 ;+:yfx?nfO{ JolQmut tj/
(Private Placement) af6 laqmL ul/g]5 .
-O{_ C0fkq ;fwf/0f z]o/df kl/0ft x'g] jf gx'g] M o; ljj/0fkq dfkm{t lgisfzg ul/g] C0fkq & -;ft_ jif{{sf]
cjlw kZrft Psd'i7 ?kdf e'QmfgL ul/g] ePsf]n] pQm C0fkq ;fwf/0f z]o/df kl/0ft gx'g] .
-p_ C0fkqsf] Aofhb/ (Coupon Interest Rate)/ Aofh e'QmfgL ug]{ cjlw÷;do (Interest Payment
Period): o; C0fkqsf] jfflif{s Aofhb/ *=&%% x'g]5 . o; C0fkqdf cflh{t Aofh /sddf cfos/ P]g
cg';f/ s/ nfUg]5 . o; C0fkqdf cflh{t Aofh /sd k|To]s cfly{s jif{{sf] k|yd cw{–jflif{s -kf}if d;fGt_
/ jflif{s -cfiff9 d;fGt_ ;dfKt eP kZrft e'QmfgL lbOg]5 . Aofh /sd e'QmfgL lbFbf k|yd cw{ –Jfflif{s -
kf}if d;fGt_ ;do;Dd o; C0fkqdf cflh{t Aofh /sd x/]s jif{{sf] df3 ! ut]b]lv / jflif{s -cfiff9
d;fGt_ ;do;Dd o; C0fkqdf cflh{t Aofh /sd x/]s jif{{sf] >fj0f ! ut]b]lv C0fkq /x]sf] lxtu|fxL
vftfdf ln+s /x]sf] a}+s vftfdf ;f]em} e'QmfgL ul/g]5 . s'g} sf/0faf; e'QmfgL gePdf lgisfzg sDkgLsf]
s'g} kgL zfvfdf ;Dks{ u/L cfkm\gf] Jofh e'QmfgL lng ;Sg'x'g]5 .
-pm_ C0fkq e'QmfgL hu]8f sf]if (Debenture Redemption Reserve) ;DalGwt Joj:yf M o; ljj/0fkq
dfkm{t lgisfzg ul/g] C0fkqnfO{ lgwf{l/t & -;ft_ jif{ ;dofjlwdf lkmtf{ e'QmfgL ug{sf nflu sDkgLn]
C0fkq e'QmfgL hu]8f sf]if (Debenture Redemption Reserve)sf] Joj:yf ug]{5 . C0fkqsf] cjlwdf
sDkgLsf] gfkmf gf]S;fg afF8kmfF8 lx;fa vftf (Profit & Loss Appropriation A/c)af6 C0fkq lgisfzg
ePsf] klxnf] jif{{ / clGtd jif{{ 5f8L % -kfFr_ jif{{ ;Dd jflif{s ;dfg'kflts(Proportionate)cfwf/df x'g] /sd
C0fkq e'QmfgL hu]8f sf]ifdf /sdfGt/0f ul/g]5 . sDkgLn] s'g} cfly{s jif{{df d'gfkmf cfh{g ug{ g;s]sf]
v08df ;d]t ;f] jif{{df C0fkq e'QmfgL hu]8f sf]if (Debenture Redemption Reserve)df /sdfGt/0f ug'{
kg]{ /sd ?=@)),000,000÷– -cIf/]kL la; s/f]8 dfq_ /sdfGt/0f ul/g]5 . olb sDkgLsf] s'g} cfly{s
jif{df d'gfkmf gePdf cl3Nnf] jif{x?sf] ;+lrt d'gfkmfaf6 C0fkq e'QmfgL hu]8f sf]if (Debenture
Redemption Reserve)df /sdfGt/0f ug'{ kg]{ /sd /sdfGt/0f ul/g]5 .
-P_ C0fkqjfnfsf] clwsf/ M o; ljj/0fkq dfkm{t lgisfzg ul/g] C0fkq vl/b ug{ C0fkqwgLx?nfO{ sDkgL
P]g, @)^# tyf cGo k|rlnt sfg"g adf]lhd C0fkqwgLnfO{ k|fKt x'g] ;Dk"0f{ xs ;'ljwf k|fKt x'g]5 . t/
To:tf] C0fkqwgLx?nfO{ sDkgLsf] ;fwf/0f ;efdf efu lng / dtbft ug]{ clwsf/ x'g] 5}g . sy+sbflrt
a}+s 6f6kN6]df o; ljj/0fkq dfkm{t lgisflzt C0fkqsf] e'QmfgL lgIf]kstf{x? eGbf k5f8L dfq x'g]5 .
-v_ ;+ul7t ;+:yfsf] ;DklQdf C0fkqjfnfsf] xs ;DaGwL ljj/0f M 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{ eGbf kl5 dfq e'QmfgLdf k|fyldstf x'g] u/L lgisfzg ul/Psf] ;xfos C0f
(Subordinate Debt) ePsf] x'Fbf k|rlnt sfg"gn] k|bfg u/]sf] afx]s sDkgLsf] ;DklQdf C0fkqwgLsf] s'g} lglb{i6
xs (Specific Charge) clwsf/ x'g] 5}g . o; ljj/0fkq dfkm{t lgisfzg ul/g] C0fkqwgLsf] a}+ssf] ;DklQdf
l4tLo xs x'g]5 . a}+ssf] ;DklQdf lgIf]kstf{sf] k|yd xs nfUg]5 . @)&* c;f/ d;fGt ;Dddf a}+ssf] ;DklQ
k|yd xsjfnfsf] /sd ?=61.32 ca{ /x]sf] 5 .
-u_ 6«i6Lsf] gfd, 7]ufgf tyf 6«i6L / sDkgL aLr ePsf] ;Demf}tf (Trustee Deed) sf] k|d'v a'Fbfx?M
C0fkq lgisfzg ubf{ 6«i6L lgo'Qm ug'{ kg]{ Joj:yf cg'?k lgDgfg';f/ C0fkq 6«i6Lsf] Joa:yf ul/Psf] 5 .
-c_ 6«i6Lsf]] gfd tyf 7]ufgf M
C0fkq 6«i6Lsf] ?kdf sfo{ ug]{ ;+:yfdf g]kfn lwtf]kq af]8{af6 Ohfhtkq k|fKt >L PgcfO{laPn P;
Soflk6n lnld6]8, nflhDkf6, sf7df08f} /x]sf] 5 .
37
-cf_ C0fkq 6«i6L eP afkt lng] ;]jf z'Ns M
o; ljj/0fkq dfkm{t ;j{;fwf/0fdf tyf JolQmtu tj/af6 ljleGg JolQm jf ;+3 ;+:yfnfO{ laqmL ul/g]
C0fkqsf] 6«i6Lsf] ?kdf lgo'Qm >L PgcfO{laPn P; Soflk6n lnld6]8, nflhDkf6, sf7df08f}nfO{ pQm ;]jf
k|bfg u/] afkt jflif{s ?=!%,)))÷—-cIf]?kL kGw| xhf/ ?k}+of dfq_ 6«i6L ;]jf pknAw u/fPsf] ;dofjlwsf
nflu ;]jf z'Nssf] ?kdf e'QmfgL lbOg]5 .
-O_ C0fkq 6«i6Lsf] ?kdf sfo{ ug]{ ;+:yfn] tf]s]sf] JolQmsf] gfd tyf kb of]Uotf tyf cg'ej M
C0fkq 6«i6Lsf] ?kdf sfo{ ug]{ ;+:yfn] pQm sDkgLsf] >L ;lrGb| 9'+ufgfnfO{ ;Dks{ JolQmsf] ?kdf tf]s]sf]
5 . lghn] rf6{8 PsfpG6]G6 z}lIfs of]Uotf xfl;n u/L sl/a !! jif{{ eGbf a9L ljQLo tyf dr]{06 a}+lsË
If]qsf] sfo{ cg'ej xfl;n ug'{ ePsf] 5 .
-O_ C0fkq 6«i6Lsf] ?kdf sfo{ ug]{ ;+:yfn] ;DalGwt kIfsf] u'gf;f] ;'Gg] / ;dfwfg ug]{ ;DaGwdf u/]sf] Joj:yf
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 .
nufgLstf{x?n] b]xfPsf] dfWod dfkm{t cfˆgf] u'gf;f] tyf ;'emfa k|]lift ug{ ;Sg] 5g\M
u'gf;f] ;'Gg] clwsf/Lsf] gfdM ;lrGb 9'+ufgf
Od]nM sachindra@niblcapital.com
kmf]g g+=)!–$$@%@*) PS;6]G;g $@@
-p_ C0fkq lgisfzg ug]{ a}+s / C0fkqjfnfx?sf] lxt ;+/If0f ug{ 6«i6Lsf] ?kdf sfd ug]{ C0fkq 6«i6L aLr
sDkgL P]g, @)^# adf]lhd ;Demf}tf ePsf] s'/f M
C0fkq lgisfzg ug]{ sDkgL / C0fkqjfnfx?sf] lxt ;+/If0f ug{ 6«i6Lsf] ?kdf sfd ug]{ C0fkq 6«i6L aLr
sDkgL P]g, @)^# df ePsf] Joj:yf cg'?k ldlt @)&*÷)!÷!% df ;Demf}tf ul/Psf] 5 .
-pm_ C0fkq 6«i6Lsf] clwsf/ / bfloTj, C0fkq 6«i6Ln] hfFra'em ug{ / ljj/0f dfu ug{ ;Sg], C0fkq 6«i6LnfO{
C0fkqjfnfx?sf] clwsf/ x'g] cflb Joj:yfx? sDkgL P]g, @)^# cg'?k ePsf] s'/f M
C0fkq6«i6Lsf] clwsf/ / bfloTj, C0fkq 6«i6Ln] hfFra'em ug{ / ljj/0f dfu ug{ ;Sg], C0fkq 6«i6LnfO{
C0fkqjfnfx?sf] clwsf/ x'g] cflb Joj:yfx? sDkgL P]g, @)^# cg'?k ul/Psf] 5 .
-P_ C0fkq 6«i6L / a}+s aLr ePsf] ;Demf}tfsf] k|lt g]kfn lwtf]kq af]8{df btf{ ul/Psf] s'/f M
C0fkq 6«i6L / sDkgL aLr ePsf] ;Demf}tfsf] k|lt g]kfn lwtf]kq af]8{df btf{ ul/Psf] 5 .
-P]_ C0fkq 6«i6L / a}+saLr ePsf] ;Demf}tf tyf cGo cfjZos Joj:yfx? C0fkqjfnfn] x]g{ jf hfGg rfx]df
;f] pknAw u/fpg] ;DaGwdf ul/Psf] Joj:yf M
C0fkq 6«i6L / a}+s aLr ePsf] ;Demf}tf tyf cGo cfjZos Joj:yfx? C0fkqjfnfn] x]g{ jf hfGg rfx]df
C0fkq 6«i6L jf sDkgLsf] /lhi6«8{ sfof{nodf sfof{no ;doleq ;Dks{ /fvL x]g{ jf hfGg ;lsg] Joj:yf
ul/Psf] 5 .
-cf]_ cGo M
— C0fkq 6«i6Ln] C0fkqjfnfx?sf] lxt ;+/If0f ug]{ .
— sDkgLn] C0fkq 6«i6LnfO{ cfkm\gf] ljQLo sf/f]af/sf] kl/is[t cfly{s ljj/0f cfly{s jif{ ;dfKt
ePsf] ^ dlxgf leq clgjfo{ ?kdf k7fpg' kg]{ .
— C0fkq 6«i6Ln] sDkgLn] :yfkgf u/]sf] C0fkq e'QmfgL hu]8f sf]if (Debenture Redemption
Reserve) sf] cg'udg ug]{ .
— sDkgLn] k'gM csf]{ C0fkq lgisfzg ug'{ k/]df C0fkq 6«i6Lsf] k"j{ :jLs[lt lng'kg]{ .
-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, dtflwsf/sf]
Joa:yf M ;f] gePsf] .
-ª_ C0fkq hf/L ug'{sf] p2]Zo tyf ;DkGg x'g] sfo{ of]hgfM
— sDkgLn] ;]jf lj:tf/ ug]{ qmddf nufgL a9fpg tyf ljQLo Pj+ cfly{s ultljlwx?nfO{ lj:tf/ ug{sf nflu
cfjZos kF"hL ;+sng ug{ .
— sDkgLsf] k'/s kF"hLsf]if (Supplementary Capital) a[l4 ug{ .
— k|aGwkqdf pNn]v ul/Psf p2]Zo cg'?k ug'{kg]{ sfo{x?sf nflu cfjZos kg]{ k"FhL h'6fpg .
-r_ hf/L kF"hL r'Qmf ePsf]÷gePsf] M sDkgLsf] hf/L kF"hL ;Dk"0f{ r'Qmf e};s]sf] .
-5_ o; eGbf cuf8L hf/L ePsf] C0fkqsf] ljj/0f M ;f] gePsf] .
38
-h_ cGo M
— of] C0fkq ul/df ljsf; a}+s lnld6]8 afx]s cGo a}+s jf ljQLo ;+:yfdf lwtf] /fvL C0f lng ;Sg]5 .
— o; C0fkqnfO{ g]kfn :6s PS;r]Gh lnld6]8 tyf l;l8P; P08 lSnol/Ë lnld6]8df ;"lrs/0f tyf btf{
u/fO{ vl/b laqmLsf] Joj:yf ldnfOg]5 .
— C0fkqsf] Aofh e'QmfgL ug]{ :yfg M o; C0fkq wf/0f ug]{ C0fkqwgLn] lghn] wf/0f u/]sf] C0fkqdf
cflh{t Aofh /sd ul/df ljsf; a}+}s lnld6]8sf] s'g} klg zfvfaf6 jf sDkgLn] tf]s]sf] :yfgaf6
cfkm\gf C0fkqsf] Aofh e'QmfgL k"hf{ k]z u/L C0fkqsf] Aofh e'QmfgL lng ;Sg] u/L lgisfzg ul/Psf]
5 . C0fkqsf] Aofh e'QmfgL k"hf{ hf/L gu/L ;j} C0fkqx? lxtu|fxL vftfdf /flvPsf] cj:yfdf ;j}
C0fkqwgLx?sf] lxtu|fxL vftfdf pNn]v ePsf] a}+s vftfdf Jofh /sd hDdf x'g] Joj:yf ldnfO{g]5 .
— C0fkqsf] afF8kmfF6 kZrft afF8kmfF6df kg]{ ;Dk"0f{ C0fkqwgLx?nfO{ afF8kmfF6 ePsf] lbg b]lvsf] klxnf]
cw{–aflif{ssf] Aofh /sd ;f] cw{–jflif{s cjlwsf] ;dflKt kZrft e'QmfgL lbOg]5 . o; C0fkq wf/0f
ug]{ k|To]s C0fkqwgLnfO{ C0fkqx? lxtu|fxL vftfdf hDdf gu/]sf] cj:yfdf Aofh /sd e'QmfgL ug{sf
nflu C0fkqsf] k|df0fkqsf] cnfjf Aofh e'QmfgL k"hf{ (Interest Coupon)lbOg]5 .
— g]kfn /fi6« a}s af6 C0fkq lgisfzg ug{ :jLs[t k|bfg ubf{ tf]lsPsf zt{x? lgDg cg';f/ /x]sf] 5 M
o; ul/df ljsf; a}+s lnld6]8n] lgisfzg ug{ nfu]sf] æul/df l8a]Gr/ @)*%Æ C0fkq lgisfzg ug{sf
nflu g]kfn /fi6« a}s4f/f ldlt @)&*÷)#÷)@ sf] kq dfkm{t b]xfo adf]lhdsf zt{x? kfngf ug'{kg]{
egL :jLs[lt k|bfg u/]sf] 5 .
!_ C0fkq s'g} klg ;'/If0f g/fvL lgisf;g ug'{ kg]{,
@_ C0fkqsf] cjlw & aif{sf] x'g],
#_ C0fkqdf k|bfg ul/g] Aofh e'QmfgL ug]{ cjlw cw{jflif{s x'g], jflif{s Aofhb/ *=&% k|ltzt x'g], Aofhb/
kl/jt{g ug{ gkfO{g] / cflh{t Aofh /sddf cfos/ P]g cg';f/ cfos/ nufpg] Joj:yf ug'{ kg]{,
$_ Ohfhtk|fKt ;+:yf lj36g ePsf] cj:yfdf C0fkqsf] e'QmfgL k|rlnt sfg"g adf]lhd cGo ;fx' kl5 dfq
x'g],
%_ C0fkq hf/L ePsf] ldltn] ^ dlxgf leqdf g]kfn :6s PS;r]Gh lnld6]8df ;"rLs[t ug'{ kg]{,
^_ C0fkq lgisf;g ug'{ cl3 tof/ ul/g] ljj/0fkq o; a}Fssf] ;xdlt lnP/ dfq k|sflzt ug'{ kg]{,
&_ C0fkq hf/L ubf{ ;+:yfn] lgisfzg ul/Psf] cfly{s aif{ / e'QmfgL x'g] cfly{s aif{ jfx]ssf k|To]s aif{
jflif{s d'gfkmfaf6 ;dfg'kflts (Proportionate) cfwf/df /sd e'QmfgL sf]if (Capital Redemption
Reserve) clgjfo{ ?kdf /fVg' kg]{5 . t/, o; a}Fsn] tf]s]sf] Go"gtd r'Qmf k'FhL k'/f ug]{ k|of]hg
afx]ssf] cj:yfdf ;+:yfn] s'g} cfly{s jif{df % k"0f{ cfly{s jif{ eGbf a9L e'QmfgL cjlw afFsL /x]sf]
C0fkq jfkt e'QmfgL sf]ifdf hDdf ug'{ kg]{ /sd a/fa/ af]g; ;]o/ hf/L u/]df ;f] cfly{s jif{df
e'QmfgL sf]if (Capital Redemption Reserve) df /sd hDdf ug{ clgjfo{ x'g] 5}g . t/, ;f] jif{df
hDdf ug'{ kg]{ /sd pQm jif{ kZrftsf cfly{s jif{x?df yk u/L ;dfg'kflts cfwf/df clgjfo{ ?kdf
pQm sf]ifdf hDdf ug'{ kg]{5 .
*_ Private Placement sf] cfwf/df laqmL ul/g] C0fkqsf] ;DaGwdf s'g} ;+3 ;+:yf;Fu clu|d s'g} ;Demf}tf
ePsf] eP ;f] ;Demf}tfsf] k|ltlnkL k]z ug'{ kg]{,
(_ olb s'g} kIfn] ;f] kIfnfO{ 5'6\ofOPsf] C0fkq vl/b gu/]df ;f] csf]{ kIfnfO{ laqmL ug]{ Joj:yf ug'{ kg]{,
!)_ C0fkqdf cflh{t Aofh nufgLstf{x?nfO{ slxn] e'QmfgL ug]{ eGg] ljifodf ljj/0fkqsf] æAofh e'Qmfg ug]{
;do (Interest/Preferred Dividend Payment Timing) zLif{s cGtu{t :ki6 pNn]v ug'{ kg]{,
!!_ C0fkqsf cfj]bg ug]{ k|To]s cfj]bsnfO{ lghn] cfj]bg u/]sf] /sddf cfj]bg u/]sf] ldltb]lv afF8kmfF8
x'g] lbg ;Ddsf] cjlwsf nflu k|rlnt ahf/sf] b/n] vl08t cjlwsf] Aofh (Broken Period
Interest) k|bfg ug'{ kg]{ / ;f] ljifodf ljj/0fkqdf :ki6 pNn]v ug'[ kg]{,
!@_ C0fkq e'Qmfg u/]kl5 a'Fbf g+= & adf]lhd sfod u/]sf] e'QmfgL ;dfof]hg sf]if (Capital
Redemption Reserve) df afFsL /x]sf] /sdnfO{ k'FhLsf]if ;dfof]hg sf]ifdf /sdfGt/0f ug'{ kg]{5 .
!#_ l8a]Gr/ lgZsf;g ;DaGwdf cGo k|rlnt sfg"g tyf o; a}Fsaf6 hf/L ul/Psf] lgb]{zgdf pNn]v ePsf
cGo Joj:yfsf] ;d]t kfngf ug'{ kg]{ .
@!= cu|flwsf/ z]o/ lgisfzg ;DaGwL Joj:yf M ;f] gePsf] .
@@= cGo ;fdfGo hfgsf/L M
-s_ ljz]if1sf] s'g} /fo ePdf, ;f] sf] ljj/0f M k|If]lkt ljQLo ljj/0f l7s 5 elg n]vfk/LIfs >L hL P08 hL
P;f]l;P6;sf rf6{8{ PsfpG6]G6 >L laho/fh l3ld/]n] k|dfl0ft ug'{ ePsf] xf] . jf:tljs ljQLo ljj/0fsf cfwf/df
;+ul7t ;+:yfn] tof/ u/]sf] pQm k|If]lkt ljQLo ljj/0f NFRS cg';f/ g} ag]sf] egL n]vfk/LIfs >L laho/fh l3ld/]n]
cfkm\gf] /fo JoQm ug'{ePsf] 5 .
39
-v_ ut tLg cfly{s jif{ leqdf s'g} ;~rfns, n]vfk/LIfs kl/jt{g ePsf] eP, ;f] sf] sf/0f
qm=;+= gfd kb kl/jt{g ePsf] sf/0f s}lkmot
!= >L lbk]Gb| >]i7 ;+rfns aflif{s ;fwf/0f ;ef4f/f lgo'Qm
@= >L ;/:jtL kf7s ;+rfns aflif{s ;fwf/0f ;ef4f/f lgo'Qm
#= >L ljho l3ld/] n]vfkl/Ifs n]vfkl/Ifssf] ;dofjlw k'/f eO{ k'g lgo'Qm
-u_ sDkgL ;lrjsf] gfd, 7]ufgf / of]Uotf M
:ofªhf lhNnf jflnª gu/kflnsf j8f g+= ! lgjf;L :gftsf]Q/ z}lIfs of]Uotf xfl;n u/L ljut !@ jif{{ b]lv lg/Gt/
?kdf a}lsË If]qdf sfd ul//xg' ePsf] >L dfwj k|;fb pkfWofo o; a}+ssf] sDkgL ;lrjsf] ?kdf sfo{/t x'g'x'G5 .
-3_ C0fkq lgisfzg ug{sf nflu ;~rfns ;ldltaf6 ePsf] lg0f{o ;DaGwL ljj/0f M
a}+ssf] lgodfjnLdf ePsf] Joj:yf cg';f/ C0fkq jf l8a]Gr/ hf/L ug{'kg]{ ePdf g]kfn /fi6« a}+ssf] :jLs[lt lnO{
k|rlnt sfg"gsf] cwLgdf /xL ;~rfns ;ldltn] lg0f{o u/L hf/L ug{ ;Sg] x'‘bf ;f]xL cg';f/ a}+ssf] ldlt
@)&*÷)!÷!) df a;]sf] @%& cf+} ;~rfns ;ldltsf] lg0f{o adf]lhd jflif{s *=&% k|ltzt Jofh lbg] u/L & jif{
cjlwsf] nflu ?=! ca{ a/fa/sf] !) nfv lsQf C0fkq hf/L ug]{ lg0f{o u/]sf] 5 . h;dWo] ^) s/f]8 a/fa/sf]
lgisfzg JolQmut tj/ / aFfsL $) s/f]8 a/fa/sf] ;fj{hlgs lgisfzg dfkm{t laqmL ul/g]5 .
-ª_ ;+ul7t ;+:yf jf o;sf z]o/wgLnfO{ s'g} ljz]if s/ ;'ljwf lbOPsf] eP, ;f] ;DaGwL ljj/0f M ;f] gePsf] .
-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 / ;doM
sfof{no ;doleq lgDg :yfgx?df ;Dks{ /flv a}+ssf] kl5Nnf] cfly{s jif{sf] n]vfk/LIf0f ePsf] jf;nft, gfkmf–gf]S;fg
lx;fj tyf gub k|jfxsf] ljj/0f k|fKt ug{ jf lg/LIf0f ug{ ;lsg]5 .
!= a}+ssf] /lhi6«8{ -s]Gb|Lo_ sfof{no, nflhDkf6, sf7df08f}+ .
@= lwtf]kq lgisfzg tyf laqmL k|jGws >L PgcfO{laPn P; Soflk6n ln=, nflhDkf6, sf7df08f}+ .
-5_ af]g; z]o/ ;DaGwL Joj:yf M
k|rlnt P]g / g]kfn lwtf]kq af]8{sf] k|rlnt af]g; z]o/ lgisfzg ;DaGwL Joj:yf cg';f/ af]g; z]o/ hf/L ug{
;Sg]5 .
-h_ z]o/jfnf, sd{rf/L jf c? s;}sf] nflu C0fkq ;'/lIft ug]{ Joj:yf ul/Psf] ePdf ;f] s'/f M
o; ljj/0fkq dfkm{t lgisfzg ul/g] k|lt C0fkq ?=!,)))÷— c+lst d'Nosf s"n $ nfv lsQf C0fkq ;+Vofsf] %Ü
cyf{t @),))) lsQf C0fkqx? ;fd"lxs nufgL sf]ifsf] nflu 5'§ofP/ ;'/lIft ul/Psf] 5 . o;/L 5'§ofPsf] C0fkq
;fd'lxs nufgL sf]if lgodfjnL, @)^& adf]lhd af8+kmf+6 ul/g]5 .
-em_ a}+sn] sDkgL P]gn] u/]sf] Joj:yfx?, cfˆgf] sf/f]af/;Fu ;DalGwt P]g, lgod tyf lgodg Joj:yf k"0f{ kfngf u/]sf]
;DaGwdf u/]sf] pb\3f]if0f M
a}+sn] sDkgL P]g, @)^# n] u/]sf] Joj:yfx?, cfkm"n] ug]{ Joj;fo;Fu ;DalGwt P]g, lgod tyf lgodg Joj:yf tyf
lgodg lgsfox?n] lbPsf] lgb]{zgx?sf] k"0f{ ?kdf kfngf u/]sf] 5 / ;f]xL lgb]{zgx?sf] bfo/f leq /xL sfo{ ul//x]sf] /
o; ljj/0fkqdf pNn]v ul/Psf] ljj/0fx? ;d]t ;f]xL cg'?k tof/ ul/Psf] xf] eGg] a}+ssf] pb\3f]if0f /x]sf] 5 . ;fy}
o; a}+sn] sDkgL P]g, @)^# adf]lhd k]z ug'{ kg]{ cf=j=@)&^÷)&& ;Ddsf ljj/0fx? k]z u/]sf] x'gfn] ;f] cfly{s
jif{;Dd o; a}+s cBfjlws /x]sf] 5 .
-`_ lwtf]kq laqmL ljt/0f ;DaGwL Joj:yf M
o; ljj/0fkq dfkm{t lgisfzg ul/g] C0fkq laqmL ljt/0fsf nflu g]kfn lwtf]kq af]8{af6 Ohfhtkq k|fKt cf:jf
(ASBA) ;b:o /x]sf] ;Dk"0f{ a}+s tyf ljQLo ;+:yfx? dfkm{t cfj]bg lbg ;Sg]5g\ .
-6_ qm]l86 /]l6Ë ;DaGwL Joj:yf M
o; ul/df ljsf; a}+s lnld6]8nfO{ Oqmf g]kfn lnld6]8n] ldlt @)@!÷)^÷@# df æ;dodf ljQLo bfloTj k'/f ug{ ;Sg]
;DaGwdf dWod hf]lvd /xg] “[ICRANP -IR] BBB-1” (Prounced as ICRANP Issuer Rating
Triple B Minus) /]l6Ë k|bfg u/]sf] 5 . pQm /]l6Ësf] cjlw hf/L ldltaf6 Ps jif{ cyf{t @)@@÷)^÷@@ ;Dd
/xg]5 . Oqmf g]kfn ln= n] [ICRANP-IR] AAA b]lv [ICRANP-IR] D ;Ddsf] /]l6Ë k|bfg ub{5 . h;df /]l6Ë
"[ICRANP-IR] AA" n] ;sf/fTds cfwf/ hgfpF5 eg] "[ICRANP-IR] D" n] gsf/fTds cfwf/x¿ hgfpF5 .
-7_ ljj/0fkq tof/ ug]{ JolQmsf] gfd, y/, z}lIfs of]Uotf / cg'ejsf] ljj/0f M
o; ljj/0fkq tof/ kfg]{ Joj;flos ;+:yfdf lgisfzg tyf laqmL k|aGws >L PgcfO{laPn P; Soflk6n lnld6]8,
nflhDkf6, sf7df08f}+ /x]sf] 5 .
40
-8_ ;sf/fTds kIfx? M
!= b]zsf cg'ejL tyf bIf JolQmx?åf/f :yflkt ePsf]n] o; a}+ssf] Joj:yfkg ;Ifd tyf k|efjsf/L ePsf] .
@= hf]lvd n]vfhf]vf kZrft dfq nufgL tyf shf{sf] cj;/x?df sf]ifsf] k|jfx ePsf] .
#= :yfkgfsfn b]lv g} k"0f{ sDKo'6/Ls[t k|ljlwaf6 ljQLo ;]jf k|bfg ub}{ cfO/x]sf] .
$= a}+lsË If]qdf b|'t ultdf Joa;fo lj:tf/ ug{ ;kmn /x]sf] .
-9_ z]o/ /lhi6«f/ ;DjGwL Joj:yf M
z]o/ /lhi6«f/ ;DjGwL ;Dk"0f{ sfo{ PgcfO{laPn P; Soflk6n, nflhDkf6, sf7df08f} dfkm{t x'g]5 .
-0f_ lwtf]kq laqmL v'Nnf cjlw M
o; ljj/0fkqåf/f ;fj{hlgs lgisfzg dfkm{t ;j{;fwf/0fx?df hf/L ul/g] C0fkqx?sf] nflu cfj]bg lbg] cjlw laqmL
v'Nnf ePsf] ldltaf6 slDtdf $ sfo{ lbg / al9df !% lbg ;Dd v'Nnf /xg] 5 . JolQmut tj/ (Private Placement) af6
laqmL ul/g] xsdf lwtf]kq af]8{af6 :jLs[lt kZrft v'Nnf x'g]5 / ;fj{hlgs lgisfzg ;+u} aGb x'g]5 .
u=@#= 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 ;xL 5fk ug]{ ;~rfns tyf lj1x?sf] gfd tyf b:tvt .
l;=g+= ;~rfnsx?sf] gfd kb b:tvt
! >L Zofd k|;fb a:ofn cWoIf
@ 8f=cfgGb k|;fb >]i7 ;+rfns
# >L lbk]Gb| >]i7 ;+rfns
$ >L ladn kf08] ;+rfns
% >L ;+hLj 9sfn ;+rfns
^ >L ;/:jtL kf7s ;+rfns
41
#=@$ lgisfzg tyf laqmL k|aGwssf] k|:t't u/]sf] k|lta4tf kq -8\o' 8]lnh]G;\ ;l6{lkms]6_ sf] k|lt M
42
#=@% ljj/0fkq, ljQLo ljj/0f tyf cGo s'g} s'/fdf lj1n] /fo lbPsf] eP ;f] ;DaGwL kq M
43

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sDkgL P]g, @)^# cGtu{t ;+:yflkt eO{

Ufl/df ljsf; a}+s lnld6]8

nufgLdf x'g] hf]lvd ;DaGwL pb\3f]if0f M

v=@= ljj/0fkq tyf b/vf:t kmf/d k|fKt ug]{ / a'emfpg] :yfg M

u=@=;+ul7t ;+:yfsf] pb\3f]if0f M

s=;~rfnssf] lhDd]jf/L tyf hjfkmb]lxtf ;DaGwL pb\3f]if0f M

v=;+ul7t ;+:yfsf] hjfkmb]lxtf ;DaGwL pb\3f]if0f M

u_ lgodg lgsfosf] lgodg Joj:yfsf] kfngf ;DaGwL pb\3f]if0f M

3_ ;+:yfks, ;~rfns tyf sfo{sf/L k|d'v ;DaGwL pb\3f]if0f M

-v_ k|of]u ePsf] jf ul/g] k|ljlw M

-3_ ;~rfns ;ldltsf] ;+/rgf / k|ltlglwTj ;DaGwL Joj:yfM

s"n bfloTj 45,947,046

gfkmf gf]S;fg lx;fj

cGo lj:t[t cfosf] ljj/0f

ljt/0f of]Uo gfkmfsf] ljj/0f

gub k|jfx ljj/0f

;~rfng ;DaGwL rfn" ;DklQdf sdL÷-j[l4_ (6,722,438)

cGo lj:t[t cfosf] ljj/0f

ljt/0f of]Uo gfkmfsf] ljj/0f -?=xhf/df_

gub k|jfx ljj/0f -/sd ?= xhf/df_

ljt/0f of]Uo gfkmfsf] ljj/0f

gub k|jfx ljj/0f

nufgL sf/f]af/df gub k|jfx

c;'/lIft ;xfos cfjlws bfloTj - - -

gfkmf gf]S;fg lx;fj -?=xhf/df_

-v_ ljQLo cg'kft ;DaGwL ljj/0f M

jf:tljs -?=xhf/df_ ckl/is[t k|If]lkt-/sd ?= xhf/df_

z]o/ lk|ldod 16,297 97 97 97 97 97 97

;+lrt d'gfkmf 320,021 484,366 470,305 706,708 784,560 947,010 1,086,320

hu]8f 431,946 517,682 637,510 828,949 1,067,112 1,522,384 2,042,554

s"n 3,303,144 3,790,513 4,346,602 5,211,666 6,226,105 7,587,464 9,168,179

36fpg] M ckn]vg ug{ - - - - - - -

gfkmf gf]S;fg lx;fa

u=!%=k/fdz{bftf÷ ljz]if1 ;DaGwL ljj/0fM

! >L Zofd k|;fb a:ofn cWoIf

@ 8f=cfgGb k|;fb >]i7 ;+rfns

# >L lbk]Gb| >]i7 ;+rfns

$ >L ladn kf08] ;+rfns

% >L ;+hLj 9sfn ;+rfns

^ >L ;/:jtL kf7s ;+rfns

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