-g]kfn /fi6 a}+saf6 v ju{sf] /fli6o :t/sf] hfht kq k|fKt ;+:yf...bzf}+ jflif{s k|ltj] bg 1-g]kfn...

$: -g]kfn /fi6 a}+saf6 v ju{sf] /fli6o :t/sf] hfht kq k|fKt ;+:yf...bzf}+ jflif{s k|ltj] bg 1-g]kfn /fi6 a}+saf6 v ju{sf] /fli6o :t/sf] hfht kq k|fKt ;+:yf_ sfdgf ljsf; a}+s lnld6]8sf]$
01bzf}+ jflif{s k|ltj] bg

-g]kfn /fi6« a}+saf6 ‘v’ ju{sf] /fli6«o :t/sf] Ohfht kq k|fKt ;+:yf_

02 bzf}+ jflif{s k|ltj] bg

-g]kfn /fi6« a}+saf6 ‘v’ ju{sf] /fli6«o :t/sf] Ohfht kq k|fKt ;+:yf_;~rfns ;ldlt

/fh]Gb|lglw sf]O/fnfcWoIf

rt'/fv/ clwsf/L;~rfns

dbg zdf{ vgfn;~rfns

>L/fd kf08];~rfns

;'bLk cfrfo{;~rfns

/fdsfhL >]i7;~rfns

an/fd a/fn;~rfns

/fds'df/ lkof;~rfns

bzf}+ jflif{s k|ltj] bg


-g]kfn /fi6« a}+saf6 ‘v' ju{sf] /fli6«o :t/sf] Ohfht kq k|fKt ;+:yf_

bzf}+ jflif{s k|ltj] bg


;fwf/0f ;efdf efu lng tyf dtbfg ug{ k|ltlglw lgo'lQm ug]{ lgj]bg

k|f] S;L kmf/ fd>L ;~rfns ;ldlt,

sfdgf ljsf; a} +s lnld6] 8,

kf] v/ f–*, ;[ hgfrf] s .

ljifo M k|ltlglw lgo'Qm u/ ] sf] af/ ] .

dxfzo,

»»»»»»»»»»»»»» lhNnf »»»»»»»»»» g=kf=÷uf=lj=;= j8f g+= ……… a: g] d÷xfdL »»»»»»»»»»»»»»»»»»»»»» n] To; sfdgf ljsf; a} +s lnld6] 8sf] z] o/ wlgsf] x} l;otn] @)&# ;fn kmfu'g !( ut] laxLaf/ sf lbg x'g] bzf}+ jflif{ s ;fwf/ 0f ;efdf : jo+ pkl: yt eO{ 5nkmn tyf lg0f{ odf ;xefuL x'g g;Sg] ePsf] n] pQm ;efdf efu lngsf nflu »»»»»» lhNnf »»»»»»» »»»»»»»»»»»»»»»»»»» g=kf=÷uf=lj=;= j8f g+= ………… a: g] To; a} +ssf z] o/ wgL >L »»»»»»»»»»»»»»»»»»»»»»»»»»»»»»»» nfO{ d] / f] ÷xfd|f] k|ltlglw lgo'Qm u/ L k7fPsf] 5'÷5f} +.

k|f] S;L lng] sf] ;xL M …………………………

lgj] bsb: tvt M gfd M ldlt M 7] ufgf M

b|i6Jo M of] lgj] bg ;fwf/ 0f ;ef x'g'eGbf sDtLdf $* 306f cufj} a} +ssf] s] Gb|Lo sfof{ nodf k] z u/ L ;Sg'kg] { 5.

k|j] z kq

z] o/ wgLsf] gfd M »»»»»»»»»»»»»»»»»»»»»»»»»»»»»

z] o/ ;+Vof M …………………………………………………………………………………

z] o/ wgLsf] ;xL M ……………………………………………………………………………

bzf}+ jflif{s ;fwf/0f;efdf pkl:yt x'g hf/L ul/Psf] k|j]z–kq

sDkgL ;lrj÷gfoj k|d'v sfo{sf/L clwj[mt

-g]kfn /fi6" a}+saf6 ‘v' ju{sf] /fli6"o :t/sf] Ohfht kq k|fKt ;+:yf_

! bzf}+ jflif{s ;fwf/0f ;ef ;DaGwL ;"rgf !

@ ;fwf/0f;ef ;DaGwL yk hfgsf/L @

# ;~rfns ;ldltsf] tkm{af6 cWoIfåf/f k|:t't k|ltj]bg #

$ sDkgL P]g, @)^# sf] bkmf !)( -$_ adf]lhdsf] cltl/Qm ljj/0f (

% n]vfk/LIfssf] k|ltj]bg !@

^ jf;nft !#

& gfkmf gf]S;fg lx;fj !$

* gfkmf gf]S;fg af+8kmf8 lx;fa !%

( gub k|jfx ljj/0f !^

!) )=% k|ltzt jf ;f]eGbf a9L z]o/ :jfldTj ePsf=== !*

!! cg';'rLx¿ !(–$%

!@ k|d'v n]vfgLltx¿ $^

!# n]vf;Fu ;DalGwt l6Kk0fLx¿ $(

!$ cGo %$–%^

!%jflif{s k|ltj]bg k|sfzg ug{ :jLj[mlt lbg] qmddf g]kfn /fi6«a}+saf6 lnPsf lgb]{zgx¿

%&

!^ ;~rfns ;ldltsf] k|ltpQ/ tyf tLg dxn] ljj/0f %*



sfdgf ljsf; a}+s lnld6]8sf]bzf}+ jflif{s ;fwf/0f ;ef ;DaGwL ;"rgf

ldlt @)&# df3 @% ut] d+unaf/sf lbg a;]sf] ;~rfns ;ldltsf] @!( cf}+ a}7ssf] lg0f{ofg';f/ o; lasf; a}+ssf] bzf}+ aflif{s ;fwf/0f ;ef b]xfosf ljifox¿df 5nkmn ug{sf nflu lgDg ldlt, :yfg / ;dodf a:g] ePsf] x'Fbf sDkgL P]g @)^# sf] bkmf ^& -s_ Pj+ ljsf; a}+ssf] lgodfjnLsf] lgod $ cg';f/ ;Dk"0f{ z]o/wgL dxfg'efjx¿sf] hfgsf/L Pj+ pkl:yltsf nflu xflb{s cg'/f]w ub{5f}+ .

;ef a:g] ldlt, ;do / :yfg Mldlt M @)&# ;fn kmfu'g !( ut] lalxaf/ -tbg';f/ dfr{ @, @)!&_:yfg M xf]6]n kf]v/f u|f08, kfbL{ kf]v/f .;do M laxfg *=#) ah] .5nkmnsf ljifox¿ M-s_ ;fdfGo k|:tfjx¿ M

!= cf= a= @)&@÷)&# sf] ;~rfns ;ldltsf] k|ltj]bg pk/ 5nkmn ul/ kfl/t ug]{ .@= n]vf kl/Ifssf] k|ltj]bg ;lxtsf] cf= a= @)&@÷)&# sf] aflif{s ljQLo laa/0f -@)&# cfiff9 d;fGtsf] jf;nft, gfkmf

gf]S;fg lx;fj / ;f]xL calwsf] gub k|jfx ljj/0f, gfkmf gf]S;fg afF8kmFf8 lx;fa nufot aflif{s ljQLo laa/0f ;+u ;DalGwt cg';'rLx¿ ;d]t_ 5nkmn u/L kfl/t ug]{ .

#= cf= j= @)&#÷)&$ sf] nfuL n]vf kl/Ifssf] lgo'QmL ug]{ / lghsf] kfl/>lds lgwf{/0f ug]{ . $= ;+:yfks z]o/wgLx¿sf] tkm{af6 k|ltlglwTj ug]{ $ hgf tyf ;a{;fwf/0f z]o/wgLx¿sf] tkm{af6 k|ltlglwTj ug]{ $ hgf

;~rfnsx¿sf] lgaf{rg ug]{ . -v_ ljz]if k|:tfjx¿ M

!= ;~rfns ;ldltn] k|:tfj u/] adf]lhd z]o/wgLx¿nfO{ xfn sfod /x]sf] r'Stf kF"hLsf] @!=%* k|ltztn]] x'g cfpg] /sd ? !$,@&,&$,##)=(! af]g; z]o/ lat/0f ug]{ k|:tfj kfl/t ug]{ / sfdgf lasf; a}+s / sf:sL kmfOgfG; lardf Plss[t sf/f]af/ ePsf] lbg ldlt @)&# c;f/ ^ ut]b]lv ldlt @)&# d+l;/ !@ ut] ;Dd o; lasf; a}+ssf] z]o/ lgodfg';f/ vl/b laqmL eO{ gofF sfod x'g cfPsf z]o/wgLx¿n] ltg'{kg]{ af]gz z]o/ jfktsf] % k|ltzt s/ /sd gub} k|fKt u/L zt k|ltzt af]g; z]o/ ;Dk"0f{ z]o/wgLx¿nfO{ lat/0f ug]{ .

@= lasf; a}+ssf] clws[t k'FhL a[l4 u/L ? # ca{ k'¥ofpg] k|:tfj kfl/t kfg]{ / ;f]lx adf]lhd lasf; a}+ssf] k|aGw kq ;+zf]wg ug]{ .

#= laz]if k|:tfj g+= ! df k|:tfj u/] adf]lhd af]g; z]o/ lat/0f kZrft\ sfod x'g cfpg] r'Qmf k'FhLsf] -!)M#_ sf] cg'kftdf cyf{t\ ? *),$#,&(,@))=&# sf] #) k|ltzt xsk|b z]o/ hf/L ug]{ .

$= af]g; z]o/ lat/0f tyf xsk|b z]o/ lgisfzg kZrft\ lasf; a}+ssf] jt{dfg hf/L k'+hL a[l4 u/L ? ! ca{ $ s/f]8 %^ nfv (@ xhf/ (^) bzdnj (% k'¥ofpg] / r'Stf k"FhL ;d]t a[l4 u/L ? ! ca{ $ s/f]8 %^ nfv (@ xhf/ (^) bzdnj (% k'¥ofpg] / ;f]lx adf]lhd lasf; a}+ssf] k|aGwkq ;+zf]wg ug{] .

%= o; lasf; a}+sn] elaiodf cGo pko'Qm a}+s tyf laQLo ;+:yf;+u Ps cfk;df ufEg]÷ufleg] (Merger) tyf k|flKt (Acquisition) ug]{ ;DaGwL ;dembf/L kqdf x:tfIf/ ug{, rn crn ;Dklt / bfloTj d'NofFsg (Due Diligence Audit) ug{sf] nflu dfGotf k|fKt d'NofFsg stf{ lgo'St ug{, lghsf] kfl/>dLs tf]Sg nufot dh{/ ;DalGw cGo cfaZos k|lqmof k'/f ug{ ;~rfns ;ldltnfO{ clVtof/L k|bfg ug]{ .

^= lasf; a}+ssf] s]lGb|o sfof{no kf]v/f–* ;[hgfrf]s, sf:sL af6 sf7df08f} dxfgu/kflnsfsf] pko'Qm :yfgdf g]kfn /fi6« a}+ssf] l:js[lt lnO{ :yfgfGt/0f ug]{ .

&= ;]jf lasf; a}+s ;+u dh{/sf] nflu ul/Psf] ;dembf/L kq (Memorandum of Understanding) cg'df]bg ug]{ . *= lasf; a}+ssf] k|aGwkq tyf lgodfjnL ;+zf]wg ;DaGwdf ;DaGwLt lgsfoaf6 s'g} yk36, kl/dfh{g ug{ lgb]{zg ePdf

;f]lx adf]lhd ;+zf]wg ug]{ ;DalGw ;Dk"0f{ clVtof/L ;~rfns ;ldltnfO{ k|bfg ug]{ .-u_ ljljw . ;~rfns ;ldltsf] cf1fn]

sDkgL ;lrj



;fwf/0f;ef ;DaGwL yk hfgsf/L

!= o; sfdgf ljsf; a}+s lnld6]8 / ;]jf ljsf; a}+s lnld6]8 Ps cfk;df ufEg]÷ufleg] (Merger) ;DaGwdf ;dembf/L kq (Memorandum of Understanding) df x:tfIf/ eO{ dh{/ k|s[of cufl8 a9]sf]n] o; ;+:yfsf] z]o/ sf/f]af/ ldlt @)&# d+l;/ !@ ut]b]lv aGb /x]sf] 5 . bzf}+ ;fwf/0f ;ef k|of]hgsf] nflu ldlt @)&# d+l;/ !) ut];Dd g]kfn lwtf]kq lalgdo ahf/ lnld6]8df sf/f]af/ eO{ ldlt @)&# kmfu'g ^ ut];Dd ljsf; a}+ssf] z]o/ /lhi6«f/ k|e' Soflk6n lnld6]8, sdnfbL sf7df8f}+af6 z]o/ bflvn vf/]h eO{ z]o/wgL btf{ lstfadf sfod ePsf z]o/wgLx¿n] dfq ;fwf/0f ;efdf efu lng / af]gz z]o/ lng kfpg] 5g\ .

@= jflif{s k|ltj]bg tyf ;fwf/0f ;efdf 5nkmn x'g] ljifox¿ ;lxtsf] ;"rgf z]o/wgL dxfg'efjx¿nfO{ 3/ 7]ufgfdf k7fOg] 5 . s;}nfO{ pQm ljj/0f tyf 5nkmn x'g] ljifox¿ k|fKt x'g g;s]df ljsf; a}+ssf] s]Gb|Lo sfof{no ;[hgfrf]s, kf]v/f Pj+ ljsf; a}+ssf] z]o/ /lhi6«f/ k|e' Soflk6n lnld6]8, sf7df8f}+df ;Dks{ /fvL z]o/wgL k|df0fkq k|:t't u/L jflif{s k|ltj]bg k|fKt ug{ ;Sg'x'g]5 .

#= ;fwf/0f ;efdf efu lng cfpFbf z]o/wgL dxfg'efjx¿n] k|j]zkq cyjf z]o/ k|df0fkq lnO{ cfpg x'g cg'/f]w ul/G5 . ;ef x'g]lbg laxfg *M)) ah]b]lv btf{ sfpG6/ v'Nnf /flvg] 5 .

$= ;efdf efu lng cfkmgf] k|ltlglw -k|f]S;L_ lgo'Qm ug{ rfx]df ;ef ;'? x'geGbf $* 306f klxNo} a}+ssf] k|wfg sfof{no, ;[hgfrf]s kf]v/fdf k|f]S;L kmf/d btf{ u/fO{;Sg' kg]{5 .

%= gfjfns jf ljlIfKt z]o/wgLsf] tkm{af6 sDkgLsf] z]o/wgL btf{ lstfadf ;+/Ifssf] ¿kdf gfd btf{ ePsf] JolQmn] dfq ;efdf efu lng jf k|f]S;L lgo'Qm ug{ ;Sg'x'g]5 . cfkm' ;+/Ifs ePsf] z]o/jfnfsf] afx]s c? z]o/wgLsf] k|ltlglw eO{ ;efdf efu lng ;Sg' x'g] 5}g .

^= ;o'Qm ¿kdf z]o/ u|x0f ug]{ z]o/wgLx¿sf] xsdf z]o/wgLsf] nut lstfadf klxn] gfd pNn]v ePsf] JolQmn] jf ;j{;Ddtaf6 cfkm' dWo] lgo'Qm ul/Psf] Ps hgf z]o/wgLn] jf ;j{;Ddtaf6 lgo'Qm k|ltlglwn] dfq ;efdf efu lng / dtbfg ug{ kfpg]5 .

&= k|f]S;L lbO{;s]sf z]o/wgL :jod pkl:yt eO{ ;efdf efu lng rfx]df ;ef ;'? x'g cufj} ;~rfns ;ldltsf cWoIfnfO{ lnlvt ;"rgf lbO{ lghn] pQm ;efdf efu lng Pj++ dtbfg ug{ kfpg]5g\ . o:tf] cj:yfdf lghn] lgo'Qm u/]sf] k|ltlglw -k|f]S;L_ sf] clVtof/L kq :jtM cdfGo x'g]5 .

* ljsf; a}+ssf] ;~rfns ;ldltdf k|ltlglwTj ug]{ ;~rfnsx¿sf] lgjf{rg ;DalGw sfo{qmd lgjf{rg clws[tn] lgwf{/0f u/] adf]lhd x'g]5 . lgjf{rg ;DaGwL hfgsf/L tyf sfo{qmd ljsf; a}+ssf] s]Gb|Lo sfof{nosf] ;"rgf kf6Ldf tyf a}+ssf] j]e;fO{6 www.kamanabank.com.np df /flvg] 5 .

(= 5nkmnsf ljifo;"rL dWo] ljljw zLif{s cGt{ut 5nkmn ug{ OR5's z]o/wgLn] ;ef x'g' eGbf ;ft lbg cufj} 5nkmnsf] ljifo sDkgL ;lrj dfkm{t ;~rfns ;ldltsf] cWoIfnfO{ lnlvt ¿kdf lbg' kg]{5 . t/ o;nfO{ 5nkmn / kfl/t x'g] k|:tfjsf] ¿kdf ;dfj]z ul/g] 5}g .

!)= ;fwf/0f ;ef ;DaGwL yk hfgsf/Lsf] nflu o; ljsf; a}+ssf] s]Gb|Lo sfof{no ;[hgfrf]s kf]v/fdf sfof{no ;do leq ;Dks{ /fVg ;lsg] 5 .



bzf}+ aflif{s ;fwf/0f ;efdf ;~rfns ;ldltsf] tkm{af6cWoIfåf/f k|:t't k|ltj]bg

cfb/0fLo z]o/wgL dxfg'efjx¿,

o; sfdgf ljsf; a}+s ln= sf] bzf}+ jflif{s ;fwf/0f ;efdf ;xefuL x'g kfNg' ePsf ;Dk"0f{ z]o/wgL dxfg'efjx¿df ;~rfns ;ldlt tyf d]/f] JolQmut tkm{af6 xflb{s clejfbg 6qm\ofpb5' . a}+sn] ;+rfngsf] gjf}+ aif{ ;kmntfk"j{s kf/ u/]sf] tyf ;f] cjlwdf g} tLg lhNnf sfo{If]q /x]sf] o; ljsf; a}+snfO{ bz lhNnf sfo{If]qdf lj:tf/ ul/Psf] Pjd\ sf:sL kmfOgfG; ln= ;+u dh{ u/] kZrft /fli6«o :t/sf] agfpg ;kmn ePsf 5f}+ / ;f]xL cg'¿k sfo{If]q lj:tf/, zfvf lj:tf/, Joj;fo lj:tf/, ;]jf ljljlws/0fdf pNn]Vo k|ult xfFl;n u/]sf] hfgsf/L u/fpFb5' . cfhsf] o; ul/dfdo ;efdf oxfFx¿ ;dIf a}+ssf] bzf}+ jflif{s k|ltj]bg k|:t't ug{ kfpFbf xfdLnfO{ Hofb} v'zL nfu]sf] 5 . cfly{s jif{ @)&@÷&# df a}+sn] xfFl;n u/]sf ljQLo sf/f]jf/sf] k|ult emNsfpg] @)&# cfiff9 d;fGtsf] jf;nft, cfly{s jif{ @)&@÷&# sf] gfkmf gf]S;fg lx;fj, gfkmf gf]S;fg afF8kmfF8 lx;fa, gub k|jfx ljj/0f tyf cGo ljQLo ljj/0fx¿sf ;fy} ;f] pk/ n]vf k/LIfssf] k|ltj]bg ;lxtsf] jflif{s k|ltj]bg :jLs[ltsf] nflu k|:t't ub{5' . ;du| a}+sLË sf/f]jf/ tyf k|ult ljj/0f ;ldIff, efjL /0fgLlt, efjL sfo{qmdsf jf/]df oxfFx¿sf] cd"No ;Nnfx, ;'emfj ;lxt o; ;fwf/0f;efdf ;lqmo ;xeflutf hgfO{ ;bf em}+ ;f/e't ¿kdf dfu{bz{g k|bfg ug'{x'g]5 eGg] cfzf Pjd\ ljZjf; lnPsf] 5' .

-!_ ljut jif{x¿sf] sf/f]af/sf] ;ldIff Pjd\ ljQLo ens M

g]kfn /fi6« a}+s4f/f hf/L df}lb|s gLlt dfkm{t ul/Psf] k"FhL a[l4sf] lg0f{osf sf/0f a}+sLË If]qnfO{ yk k|lt:kwL{ jgfPsf] 5 . k"FhL a[l4;+u} Joj;fodf lj:tf/ u/L plrt k|ltkmn lbg'kg]{ kl/l:yltsf sf/0f a}+s÷ljQLo ;+:yfx¿sf] zfvf lj:tf/ Pjd\ Joj;fo lj:tf/df xf]8afhL g} rn]sf] 5 eg] t/n /fhgLlts cj:yf tyf nufgLsf] If]qdf ;+s'rg cflbsf jfjh'b klg ;ldIff cjlwdf o; a}+sn] pNn]Vo pknAwLx¿ xfl;n u/]sf] 5 .

a}+ssf] cfly{s aif{ @)&!.&@ / @)&@.&# sf ljQLo ljj/0fx¿ lgDgfg';f/ t'ngfTds ¿kdf k|:t't ul/Psf] 5 .-/sd ? xhf/df_

laj/0f cf=j=@)&!/&@ cfiff9 d;fGt cf=j=@)&@/&# cfiff9 d;fGt a[l4 k|ltzt

s'n ;DklQ 3,588,700 7,944,979 121=39

lgIf]k ;+sng 3,142,486 6,906,141 119=77

shf{ nufgL 2,561,533 5,983,172 133=58

Jofh cfDbfgL 330,262 718,545 117=57

Jofh vr{ 167,975 370,980 120=85

s'n ;+rfng cfDbfgL 3,593,271 779,619 116=97

s'n ;+rfng vr{ 224,766 501,441 123=09

s/ cuf8Lsf] d'gfkmf 127,890 261,909 104=79

v'b dgfkmf 81,305 163,380 100=95

k|lt z]o/ cfDbfgL 29=22 24=69 –

dfly pNn]lvt ljj/0f cg';f/ rfn' cfly{s jif{ df a}+ssf] ;Dk"0f{ ;'rsfÍx¿df pNn]Vo ¿kdf a[l4 ePsf] 5 . ;fljs sf:sL kmfOgfG; ln= / sfdgf ljsf; a}+s ln= Ps cfk;df uflePsf] tyf b'j} ;+:yfx¿sf] ljQLo ;'rsfÍx¿df ut cfly{s jif{df to ePsf] jflif{s of]hgf cg'¿k g} j[l4 ePsf]n] dflysf ;Dk"0f{ /sdx¿df pNn]Vo j[l4 ePsf] xf] .



-@_ /fli6«o tyf cGt/fli6«o kl/:yLltjf6 a}+snfO{ k/]sf] c;/ M

cfly{s aif{ @)&@.&# df d'n'ssf] ;di6Lut cfly{s :yfloTjsf k|d'v ;'rsfFsx¿ lgoGq0f leq /x]tfklg ;du| cfly{s ultljlw cg's'n /xg ;s]g . l;df gfsf cj/f]w / cfk'lt{ Joj:yfdf cfPsf] c;xhtfsf sf/0f kF"hLut vr{ Pjd\ lghL If]qsf] cfly{s ultljlw ;+s'lrt /x\of] . o;sf ;fy} df};d k|lts'n /x]sf]n] s[lif If]qsf] pTkfbg ;d]t ck]lIft ¿kdf lj:tf/ x'g ;s]g . kmn:j¿k cfly{s aif{ @)&@.&# df d'n'ssf] ;du| cfly{s a[l4b/ Go"g b]lvPsf] 5 .

ck]IfLt ¿kdf shf{sf] dfu a9g\ g;Sbf ;ldIff jif{sf] z'?b]lv g} a}+sLË If]qdf clws t/ntfsf] l:ylt /x\of] . tyfkL, v'nf ahf/ sf/f]jf/nfO{ yk lqmoflzn jgfO{Psf]n] kl5Nnf] ;dodf clws t/ntf Joj:yfkg x'Fb} uof] . ;ldIff jif{df 3/hUuf sf/f]jf/df s]xL lj:tf/ cfPsf] 5 eg] z]o/ jhf/df a9f]Q/Lsf] k|j[lt b]lvPsf] lyof] .

cfly{s jif{ @)&@.&# df s'n ufx{:y pTkfbg a[l4b/ nlIft ^ k|ltzt eGbf cToGt Go"g )=^ k|ltzt -pTkfbgsf] d"Nodf_ /x]sf] cg'dfg 5 . df};dL k|lts'ntfsf] sf/0f s[lif If]qsf] pTkfbg a[l4b/ !=# k|ltzt, e'sDksf] k|efj / l;df gfsfdf ;[lht cfk'lt{ Jojwfgsf sf/0f u}x| s[lif If]qsf] a[l4b/ )=^ k|ltzt /x]sf] cg'dfg 5 . cfly{s aif{ @)&!.&@ df s"n u|fx:y pTkfbg a[l4b/ @=& k|ltzt /x]sf] lyof] .

cfly{s aif{ @)&#.&$ sf] df}lb|s gLltn] g]kfn ;/sf/sf] ah]6 jQmJodf pNn]v eP jdf]lhd cf};t pkef]Qmf d'b|f l:kmlt b/nfO{ &=% k|ltztsf] l;df leq sfod /fVg] nIo /fv]sf] 5 . @)&# cfiff9 d;fGtdf !)=$ k|ltzt /x]sf] jflif{s ljGb'ut d'b|f l:kmlt b/ @)&# c;f]hdf ^=& k|ltzt em/]sf] 5 . rfn' cfly{s jif{ sf] tLg dlxgfsf] cf};t d'b|f l:kmlt b/ &=& k|ltzt /x]sf] 5 .

a}+s tyf ljQLo ;+:yf Ps cfk;df dh{/ tyf k|flKtsf] kl/0ffd :j¿k /fi6« a}+sjf6 Ohfht k|fKt a}+s tyf ljQLo ;+:yfx¿sf] ;+Vof 36]tf klg ljQLo kFx'rdf lj:tf/ ePsf] 5 . @)&# c;f]h d;fGtdf @* jfl0fHo a}+s, ^$ ljsf; a}+s, #( ljQ sDkgL / $$ n3'ljQ ljsf; a}+sx¿ ;+rfngdf /x]sf 5g\ . ;f]xL cjlwdf oL ;+:yfx¿sf] zfvf ;+hfn $,#$$ k'u]sf] 5 .

cGt/fi6«Lo d'b|f sf]ifn] ljZj cy{tGqsf] a[l4b/ ;g\ @)!^ df #=@ k|ltzt / ;g\ @)!& df #=% k|ltzt /xg] cg'dfg u/]sf] 5 . ljsl;t d'n'sx¿sf] cy{tGq ;g\ @)!^ df !=( k|ltzt n] a[l4 x'g] sf]ifsf] k|If]k0f 5 . To:t} ljsf;zLn tyf pbLodfg cy{tGqx¿sf] a[l4b/ ;g\ @)!^ df $=! k|ltzt tyf ;g\ @)!& df $=^ k|ltzt /xg] ck]Iff 5 . ;g\ @)!^ df ef/tsf] cy{tGq &=% k|ltzt tyf rLgsf] cy{tGq ^=% k|ltztn] a9\g] sf]ifsf] k|If]k0f /x]sf] 5 .

-#_ cfly{s aif{sf pknAwL tyf efjL sfo{qmd M

-s_ sf/f]jf/ ;DaGwdf M

a}+sn] lgoldt ¿kdf cfkm\gf] Joj;fo lg/Gt/ lj:tf/ ub}{ n}hfg ;s]sf] ;j}df ljlbt} 5 . a}+sn] ljQLo >f]t ;+sng ug{ ;xof]u k'Ug] p4]Zon] u|fxssf] rfxgf jdf]lhd ljleGg lsl;dsf cfsif{s lgIf]k of]hgf ;+rfngdf NofPsf] 5 . shf{ nufgLjf6 pBdlzntfsf] ljsf; ug]{ Pjd\ shf{ nufgLdf lglxt hf]lvd Go"lgs/0fsf] nflu nufgLdf ljljwLs/0f ub}{ cfPsf] 5 . Jofkf/, cfjf;, xfo/ kr]{h, z}lIfs, j}b]lzs /f]huf/ shf{sf] cnjf ljleGg pTkfbgzLn If]qx¿ h:t} s[lif, ko{6g, ;fgf tyf demf}nf pBf]u cflbdf nufgL ul/ pTkfbsTj a[l4 Pjd\ /f]huf/Lsf] >[hgf x'g] vfnsf If]qx¿df shf{ nufgL a9fpb} cfPsf] 5 .

kl5Nnf lbgx¿df s"n ufx{:y pTkfbgsf] dxTjk"0f{ lx:;f cf]u6]sf] /]ld6]G; e'QmfgLnfO{ ;xh jgfpg ljleGg dgL 6«fG;km/ sDkgLx¿ ;+u ;Demf}tf / ;xsfo{ u/L a}+ssf ;Dk"0f{ zfvfx¿jf6 l56f] 5l/tf] ¿kdf ;lhn} /sd e'QmfgLsf] Joj:yf ul/Psf] 5 . ;"rgf k|ljlwsf] ljsf;sf ;fy} u|fxs ju{sf] rfxgfnfO{ kl/k"lt{ ug{ ;"rgf k|ljlwsf] pNn]vgLo e'ldsfnfO{ Wofgdf /fvL ;dofg's'n ;'wf/ Pjd\ ljsf; ub}{ nUg] nIo cg'¿k ut jif{ Banking Software nfO{ ;do ;fk]If s]lGb|s[t u/L gofF Version df Upgrade ul/Psf] 5 . a}+ssf xfn ;+rfngdf /x]sf @! j6f zfvf sfof{nox¿nfO{ Pp6} ;+hfndf cfj4 u/L Any Branch Banking Service (ABBS) ;]jf k|bfg ub}{ cfO{/x]sf] 5 . a}+sn] ljleGg zfvf sfof{nox¿df /x]sf ( j6f ATM dfkm{t ;]jf k|bfg ub}{ cfO/x]sf] 5 eg] Mobile Banking, Safe Deposit Locker, 365 Days Banking, Evening Counter



h:tf ;'ljwfx¿ ;d]t pknAw u/fpFb} cfPsf] 5 .

-v_ k"FhL a[l4 ;DaGwdf

a}+s tyf ljQLo ;+:yfx¿nfO{ ;Ifd / yk k|lt:klw{ jgfpgsf] nflu g]kfn /fi6« a}+sn] df}lb|s gLlt dfkm{t a}+s tyf ljQLo ;+:yfx¿sf] Go"gtd r'Qmf k"FhLdf ef/L a[l4 u/]sf] oxfFx¿nfO{ cjut g} 5 . ;f]xL of]hgf cg'¿k sfdgf ljsf; a}+s ln= / sf:sL kmfOgfG; ln= Ps cfk;df dh{ eO{ @)&# cfiff9 ^ ut] jf6 /fli6«o :t/sf] ljsf; a}+ssf] ¿kdf Plss[t sf/f]jf/sf] z'ef/De u/]sf] oxfFx¿ ;dIf hfgsf/L u/fpg rfxG5' . @)&$ cfiff9 d;fGt;Dd /fli6«o :t/sf] ljsf; a}+sn] k'/\ofpg'kg]{ r'Qmf k"FhL ?= @ cj{ %) s/f]8 k'/\ofpgsf nflu j'6jndf s]lGb|o sfof{no /x]sf] ;]jf ljsf; a}+s ln= ;+u dh{/sf] nflu 5nkmn kZrft @)&# d+;L/ !) ut] cfk;L ;dembf/L kq -MOU_ df x:tfIf/ u/L g]kfn /fi6« a}+sdf lgj]bg k]z ul/Psf]df @)&# df3 !! ut] Ps cfk;df ufEg uflegsf] nflu ;}4flGts ;xdlt kq k|fKt eO{ ;s]sf] 5 . ;]jf ljsf; a}+s;+usf] dh{/ kZrft klg g]kfn /fi6« a}+sn] tf]s]sf] Go"gtd r'Qmf k"hL s]xL ck'u x'g] ePsf]n] ;fgf ljQLo ;+:yf;+u dh{/ jf k|flKtsf] nflu ljleGg r/0fdf 5nkmn ePsf] cjut u/fpFb} a}+ssf] k"FhL of]hgf lgDgfg';f/ ePsf] hfgsf/L u/fpFb5' .

cf= j= 2072÷73 r'Qmf k"“hL -?=_

;fljs sfdgf ljsf; a}+s ln=sf] k"“hL 34,11,95,800.00

;fljs sf:sL kmfOgfG; ln= sf] k"“hL 32,04,09,069.82

-ldlt 2073 cfiff( 6 ut] Plss[t sf/f]jf/ ePsf]_

dh{/ kZrft hDdf k"“hL -2073 cfiff( 6 ut]_ 66,16,04,869.82

cf=j= 2072÷73 sf] d'gfkmfaf^ 21=58 k|ltzt af]g; z]o/ ljt/)f 14,27,74,330.91

hDdf r"Qmf k“"hL -2073 cfiff( d;fGt_ 80,43,79,200.73

cf= j= 2073÷74 r'Qmf k"“hL -?=_

;]jf ljsf; a}+s ln= sf] k"“hL 42,55,55,200.00

;]jf ljsf; a}+s ln= sf] cf=a= 2072÷73 sf] d'gfkmfaf^ 19 k|ltzt af]g; z]o/ ljt/)f 8,08,55,488.00

;]jf ljsf; a}+s ln= sf] 120 k|ltzt xsk|b z]o/ ljt/)f 51,06,66,240.00

sfdgf ljsf; a}+s ln= sf] 30 k|ltzt xsk|b z]o/ ljt/)f 24,13,13,760.21

hDdf r"Qmf k"“hL 2,06,27,69,888.94

cf=a= 2073÷74 sf] d'gfkmfaf^ 15 k|ltzt af]g; z]o/ ljt/)f 30,94,15,483.34

dh{/÷k|flKt 15,00,00,000.00

s"n r"Qmf k"“hL 2,52,21,85,372.28

-$_ dfgj ;+;fwg ljsf; M

a}+s tyf ljQLo ;+:yfx¿n] zfvf lj:tf/ sfo{nfO{ ltj|tfsf;fy cuf8L a9fpFbf ljQLo jhf/df bIf hgzlQmsf] cefj sfod g} 5 . o; ljsf; a}+ssf] nIo k|flKt / lbuf] ljsf;sf nflu sd{rf/Lx¿sf] sfo{ bIftfdf ljsf; ub}{ n}hfg ckl/xfo{ 5 . ;f] sf] nflu a}+sn] cfjZostf cg';f/ sd{rf/Lx¿nfO{ tflnd tyf uf]i7Ldf ;d]t ;xefuLtf u/fpg] ul/Psf] 5 . cfly{s jif{ @)&#÷&$ sf] >fj0f dlxgfb]lv xfn;Dd eP u/]sf Ifdtf clej[l4 ;DaGwL ljleGg tflnd tyf uf]i7Lx¿df lgDgfg';f/sf] ;xefuLtf /x]sf] Joxf]/f hfgsf/L u/fpFb5' .



Date Description of Training Number of Participants

9 & 10 Dec, 2016 Basic Concept of Credit Management & Interpretation of Financial Statement of Borrower

5

10 Dec, 2016 Customer Relationship Management (CRM) 317 Dec, 2016 Bank Note Authentication and Signature Verification 421 Jan, 2017 Customer Service 226, 27 Jan, 2017 Project Finance & Management 127 Jan, 2017 AML/CFT Conference 1

To:t} sd{rf/Lx¿sf] dgf]jn pRr /fvL sfo{ ;Dkfbgdf yk k|f]T;flxt ug{ jflif{s sfo{ ;Dkfbg d"NofÍg u/L cfjZostf cg';f/ ljleGg txdf sfo{/t sd{rf/Lx¿nfO{ a9'jf ug]{, ;do ;fk]If tnj eQf Pjd\ ;'ljwfdf k'g/fjnf]sg ug]{, k|f]T;fxg :j¿k u|]8 yk ug]{ ul/Psf] 5 .

-%_ ;+:yfut ;fdflhs pQ/bfloTj (Corporate Social Responsibility) MljQLo ;]jfsf cnjf o; ljsf; a}+sn] ljleGg ;fdflhs If]qx¿df cfly{s ;xof]u ub}{ cfPsf] 5 . ljleGg ;fdflhs ;+3 ;+:yfx¿nfO{ sfo{qmd k|of]hg ug'{sf ;fy} ljleGg If]qx¿ h:t} lzIff, :jf:Yo, wfld{s Pjd\ jftfj/0f ;'wf/sf If]qdf ;xof]u k'/\ofpb} cfPsf] 5 .

a}+sn] ;fdflhs pQ/bfloTj cGt/ut kf]v/f–!^, jf6'n]rf}/ cjl:yt dft[lzz' ldt]/L c:ktfnnfO{ ?= $$,@)%.– j/fj/sf] :jf:Yo pks/0f k|bfg u/]sf] 5 . To:t} ;8s lsgf/fsf lj?jfdf tf/hfnL nufpg 8\ofd;fO{8 o'jf SnjnfO{ ?=@),))).–, >L uf]/Ifgfy lk7 l;4f>dnfO{ ef}lts ;+/rgf lgdf{0fsf] nflu ?=@%,))).–, lqe'jg zflGt pRr df=lj=df ef}lts ;+/rgf dd{t ;+ef/sf] nflu ?= &,))).–, k|bfg u/]sf] 5 eg] hglk|o dfWolds ljBfnodf k'/:sf/ ljt/0fsf] nflu jflif{s ¿kdf ?= @),))).– k|bfg ub}{ cfPsf] 5 . a}+ssf] ;xsfo{df ;/fªsf]6 uf=lj=;= (, kfv'/L 8fF8fdf e'Ifo Go"lgs/0fsf] nflu /f]lkPsf lj?jfx¿df dnhn tyf uf]8d]n ul/ ;+/If0f ug{ k|ltjif{ ¿= !),))).– pknAw u/fpFb} cfPsf] 5 .

-^_ cfGtl/s lgoGq0f k|0ffnL M

a}+ssf] zfvf ;+hfn Pjd\ sfo{If]q a9b} hfFbf ljQLo sf/f]jf/, sd{rf/L ;+Vof / shf{ nufgL a9b} hfg] sf/0fn] shf{ Pjd\ ;+rfng hf]lvd a[l4 x'Fb} hfFbf o:tf hf]lvdx¿ Go"lgs/0fsf nflu k|rlnt gLlt, lgod lgb]{zgx¿ agfO{ sfof{Gjog ug'{sf ;fy} a}+ssf ljlgodfjnLx¿sf] k"0f{ ¿kdf kfngf ug]{ ul/Psf] 5 . hf]lvd Go"lgs/0f Pjd\ cfGtl/s lgoGq0f k|0ffnLnfO{ k|efjsf/L agfpg cfGtl/s n]vf k/LIf0f ;ldlt, hf]lvd Joj:yfkg ;ldlt, sd{rf/L ;]jf ;'ljwf ;ldlt tyf ;DklQ bfloTj Joj:yfkg ;ldlt u7g u/L tL ;ldltx¿n] k|efjsf/L ¿kdf sfo{ ;Dkfbg ub}{ cfO{/x]sf 5g\ .

-&_ ;~rfns ;ldltdf x]/km]/ M

ldlt @)&@.^.@* ut] ;DkGg a}+ssf] gjf}+ jflif{s ;fwf/0f ;fwf/0f;efn] ;+:yfks z]o/wgLx¿sf] tkm{af6 k|ltlglwTj ug]{ % hgf ;~rfnsx¿ lgjf{lrt u/]sf] lyof] . ;f] ;fwf/0f;efaf6 lgjf{lrt ePsf ;~rfnsx?sf] ljj/0f o; k|sf/ /x]sf] 5 .



qm= ;+= ;~rfnssf] gfd lgo"Qm ePsf] ldlt s}lkmot

!= /fh]Gb|lglw sf]O/fnf @)&@.^.@* –

@= rt'/fv/ clwsf/L @)&@.^.@* –

#= v]dgfy e§/fO{ @)&@.^.@* Plss[t sf/f]jf/ kZrft kbfjwL ;dfKt ePsf] .

$= lai0f'/fh k/fh'nL @)&@.^.@* Plss[t sf/f]jf/ kZrft kbfjwL ;dfKt ePsf] .

%= b]js[i0f sfkm\n] @)&@.^.@* Plss[t sf/f]jf/ kZrft kbfjwL ;dfKt ePsf] .

;fljssf] sfdgf ljsf; a}+s ln= / sf:sL kmfOgfG; ln= Ps cfk;df dh{ eO{ @)&#.#.^ jf6 sfdgf ljsf; a}+s ln= sf] gfdjf6 Plss[t sf/f]jf/ z'? ePsf]n] dh{/;+u ;DjlGwt ;xdlt Pjd\ ;+o"Qm dh{/ ;ldltsf] lg0f{o jdf]lhd k'gu{l7t ;~rfns ;ldlt lgDgfg';f/ /x]sf] 5 .

qm =;+ ;~rfnssf] gfd kb ;+:yfks÷;j{;fwf/0f ;d'x lgo'Qm ePsf] ldlt

!= /fh]Gb|lglw sf]O/fnf cWoIf ;+:yfks ;d'x @)&@.^.@*

@= dbg zdf{ vgfn ;~rfns ;+:yfks ;d'x @)&#.#.^

#= rt'/fv/ clwsf/L ;~rfns ;+:yfks ;d'x @)&@.^.@*

$= >L/fd kf08] ;~rfns ;+:yfks ;d'x @)&#.#.^

%= ;'bLk cfrfo{ ;~rfns ;j{;fwf/0f ;d'x @)&#.#.^

^= an/fd a/fn ;~rfns ;j{;fwf/0f ;d'x @)&#.#.^

&= /fdsfhL >]i7 ;~rfns ;j{;fwf/0f ;d'x @)&!.(.@*

*= /fds'df/ lkof ;~rfns ;j{;fwf/0f ;d'x @)&!.(.@*

-*_ a}+ssf] sf/f]jf/df c;/ kfg]{ d"Vo s'/fx¿ M

a}+s tyf ljQLo ;+:yfx¿sf] zfvf ;+hfndf a[l4, sf/f]jf/df a[l4 h:tf sf/0fn] ljQLo ahf/sf] cj:yf jlnof] ePtf klg a}+sLË sf/f]jf/nfO{ k|ToIf / ck|ToIf ¿kdf c;/ kg]{ ljleGg tTjx¿ x'g] ePsf]n] lgDgfg';f/sf hf]lvdx¿ /xg] b]lvG5 .

b]zsf] ljBdfg t/n /fhg}lts cj:yf / To;sf] sf/0f ;[lht c;xh nufgLsf] jftfj/0f shf{ nufgLdf pTkfbgzLn If]qsf] sdLt/ntf tyf Jofhb/sf] Joj:yfkgdf ;do ;dodf cfpg] ptf/r9fja}+s tyf ljQLo ;+:yfx¿ jLrsf] lta| k|lt:kwf{3/hUufsf] d"No tyf sf/f]jf/df ePsf] c:jefljs a[l4b]zsf] cfly{s cj:yf, cGt/fli6«o jhf/df cfpg] dGbL Pjd\ d'b|f cjd"NogpRr d'b|fl:kmlt Pjd\ e'sDk ,af9L, klx/f] h:tf k|fs[lts k|sf]k

-(_ n]vf k/LIf0f k|ltj]bgsf ;DaGwdf ;~rfns ;ldltsf] k|ltlqmof M

a}+sn] n]vf kl/If0fsf] qmddf cfGtl/s n]vf k/LIfs, jfXo n]vf k/LIfs / g]kfn /fi6« a}+sn] cf}+NofPsf a}+ssf] lgoldt sfo{ ;Dkfbgsf qmddf ePsf sdL sdhf]/Lx¿ k"g bf]xl/g glbg / tLgsf] lgoGq0f / ;dfwfgsf pkfox¿ jf/]df Joj:yfkg;+u 5nkmn u/L cfjZos ;'wf/x¿ ub}{ cfO/x]sf] 5 .

-!)_ cf}Bf]lus tyf Joj;flos ;DaGwdf M

a}+sn] cfˆgf] a}+sLË Joj;fodf k|ToIf ¿kdf ;DaGw /fVg] cf}Bf]lus k|lti7fg, Joj;flos ;+:yfx¿, ;/sf/L tyf u}x| ;/sf/L



;+:yfx¿, z}lIfs ;+:yfx¿ nufot cGo ;+3 ;+:yfx¿;+u ;f}xfb{k"0f{ Pjd\ ;'dw'/ ;DaGw sfod ub}{ cfPsf] 5 . a}+sn] ;DaGw lj:tf/ Pjd\ Joj;fo lj:tf/sf] nflu g]kfn pBf]u jfl0fHo dxf;+3, kf]v/f pBf]u jfl0fHo ;+3 Pjd\ 8]enkd]G6 a}+s/ P;f]l;P;gsf] ;b:otf lnPsf] 5 .

-!!_ k"FhLsf] kof{Kttf M

g]kfn /fi6« a}+ssf] lgb]{zg cg';f/ a}+ssf] k|fylds kF"hL cg'kft %=% k|ltzt / k"FhLsf]if cg'kft !! k|ltzt x'g'kg]{ Joj:yf /x]sf] 5 . cfly{s aif{ @)&@÷&# df o; a}+ssf] k|fylds k"FhL cg'kft !#=#) k|ltzt / k"FhLsf]if cg'kft !$=@% k|ltzt sfod /x]sf] 5 . o;/L @)&# sf] cfiff9 d;fGt;Dddf g]kfn /fi6« a}+ssf] Go"gtd dfkb08eGbf k|fylds k"FhL cg'kft / k"FhLsf]if cg'kft qmdz *=&% / @=#) k|ltztn] a9L /x]sf] 5 .

wGojfb 1fkg M

cGtdf o; ljsf; a}+ssf] sf/f]jf/ lj:tf/sf nflu k|ToIf Pjd\ ck|ToIf ¿kdf ;xof]u k'/\ofpg' x'g] a}+ssf cfb/0fLo z]o/wgL dxfg'efjx¿, z'e]R5'sx¿, g]kfn /fi6« a}+s, sDkgL /lhi6«f/sf] sfof{no, g]kfn lwtf]kq jf]8{, g]kfn :6s PS;r]~h ln=, k|e' Soflk6n lnld6]8 tyf cGo ;+3 ;+:yf k|lt ;~rfns ;ldltsf] tkm{af6 s[t1tf JoQm ub{5' . a}+ssf] pGglt / k|ultdf k'/\ofpg' ePsf] of]ubfgsf] nflu a}+ssf k|d'v sfo{sf/L clws[t nufot ;Dk"0f{ sd{rf/Lx¿sf] lgi7fk"0f{ nuglzntfsf] pRr d"NofÍg ub}{ pxfFx¿nfO{ wGojfb lbg rfxG5' . cd'No /fo ;'emfj pknAw u/fO{ plrt dfu{bz{g k|bfg ug]{ a}+ssf ljleGg ;ldlt Pjd\ cfGtl/s / jfXo n]vf k/LIfs nfO{ wGojfb lbg rfxG5' . cfufdL lbgx¿df klg ;j} If]qaf6 o; a}+ssf] k|ultsf nflu cem al9 :g]x tyf ;b\efj k|fKt x'g] cfzf Pjd\ ljZjf; lnPsf] 5' .

wGojfb .

/fh]Gb|lglw sf]O{/fnfcWoIf

;~rfns ;ldltsfdgf ljsf; a}+s ln=



sDkgL P]g, @)^# sf] bkmf !)( -$_ adf]lhdsf] cltl/Qm ljj/0f

!_ nfef+z afF8kmfF8 ug{ l;kmfl/; ul/Psf] /sd M

;~rfns ;ldltsf] a}7sn] a}+ssf z]o/wgL dxfg'efjx¿nfO{ r'Qmf k"FhLsf] @!=%* k|ltztn] x'g cfpg] /sd ?= !$,@&,&$,##)=(! jf]g; z]o/ ljt/0f ug{ l;kmfl/; u/]sf] 5 .

@_ hkmt ul/Psf] z]o/ ;+Vof M

xfn;Dd a}+sn] s'g} z]o/ hkmt u/]sf] 5}g .

#_ a}+s / o;sf] ;xfos sDkgLx¿;Fusf] sf/f]jf/ M

a}+sn] cfly{s aif{df ;DkGg u/]sf] k|d'v sf/f]af/ / sf/f]af/df cfPsf] kl/jt{g, ;+nUg jf;nft , gfkmf—gf]S;fg lx;fa / gub k|jfx ljj/0f tyf n]vf ;DalGw ljj/0fn] k|i6 kfb{5, ;fy} o; a}+ssf] s'g} ;xfos sDkgL /x]sf] 5}g .

$_ a}+ssf d'n z]o/wgLn] ;ldIff calwdf a}+snfO{ lbPsf] hfgsf/L M

cf=j=@)&@÷)&# df a}ssf d'n z]o/wgLx¿jf6 ;ldIff calwdf s'g} hfgsf/L lbOPsf] 5}g .

%_ ljut cfly{s jif{df a}+ssf ;~rfns tyf kbflwsf/Lx¿n] lnPsf] z]o/ :jfldTjsf] ljj/0f M

cf=j=@)&@÷)&# df a}+ssf ;~rfns tyf kbflwsf/Lx¿n] yk z]o/ u|x0f gu/]sf] .

^_ a}+s ;Fu ;DjlGwt ;Demf}tfx¿df s'g} ;~rfns tyf lghsf cfkmGtsf] JolQmut :jfy{ ;DaGwL hfgsf/L M

a}+ssf] s'g} klg ;Demf}tfx¿df ;~rfns tyf lghsf cfkmGtsf]] JolQmut :jfy{ g/x]sf] .

&_ k'g M vl/b ul/Psf] z]o/x¿sf] ljj/0f M

;ldIff calwdf a}+sn] k'g M z]o/ vl/b u/]sf] 5}g .

*_ s'n Joj:yfkg vr{ M

cfly{s jif{ @)&@÷)&# df o; a}+ssf] s'n Joj:yfkg vr{ b]xfo adf]lhd /x]sf] 5 Msd{rf/L vr{ M ¿= #,@(,(^,^&@÷!&sfof{no ;+rfng vr{ M ¿= #,*%,@$,^&*÷%&

(_ n]vfk/LIf0f ;ldltsf kbflwsf/Lx¿sf] gfd, sfd, st{Jo / ;'ljwf M

g]kfn /fi6« a}+ssf] lgb]{zg adf]lhd cfGtl/s lgoGq0f k|0ffnLnfO{ r':t b'?:t /fVg lgDgfg';f/sf] n]vf k/LIf0f ;ldlt u7g ePsf] tyf n]vfk/LIf0f ;ldltsf ;b:ox¿sf] gfdfjnL lgDg adf]lhd /x]sf] 5 .

>L /fds'df/ lkof ;~rfns – ;+of]hs>L rt'/fv/ clwsf/L ;~rfns – ;b:o>L ljZj/fh clwsf/L k|d'v cg'kfngf ljefu – ;b:o ;lrj

n]vfk/LIf0f ;ldltsf ;b:o >L ljZj/fh clwsf/L afx]s cGo ;b:ox¿nfO{ a}7sdf efu lnP jfkt Kf|lt a}7s Kf|lt ;b:o eQf ¿= $,)))÷–-s/ ;lxt_ k|bfg ul/Psf] 5 . cf=j=@)&@÷)&# df $ k6s n]vfk/LIf0f ;ldltsf] a}7s a;]sf] lyof] .

n]vfk/LIf0f ;ldltn] a}+ssf] cfGtl/s tyf afx\o n]vfk/LIf0fsf] l;nl;nfdf b]lvPsf] s}lkmotx¿sf] ljZn]if0f u/L cfGtl/s lgoGq0f / To;sf] k|efjsfl/tf af/] ;ldIff ug]{, k'g/fjnf]sg ug]{ / cfjZos ;'wf/sf] nflu ;do ;dodf Aoj:yfkgnfO{ cfjZos ;'emfj Pj+ lgb]{zg lbg] u/]sf] 5 .

!)_ ;~rfns, sfo{sf/L k|d'v, a}+ssf cfwf/e"t z]o/wgL jf lghsf cfkmGtn] a}+snfO{ a'emfpg af+sL /sd M

;~rfns, sfo{sf/L k|d'v, a}+ssf cfwf/e"t z]o/wgL jf lghsf cfkmGtn] a}+snfO{ a'emfpg af+sL /sd gePsf] .



!!_ ;~rfns, sfo{sf/L k|d'v tyf kbflwsf/LnfO{ e'QmfgL ul/Psf] kfl/>lds, eQf tyf ;'lawfsf] laa/0f M

s_ o; a}+ssf ;~rfnsx¿nfO{ kfl/>ldssf] Aoj:yf ul/Psf] 5}g . ;~rfns ;ldltsf] a}7sdf efu lnP afkt k|lt a}7s cWoIfnfO{ ¿=$,%))÷–, ;~rfnsnfO{ ¿=$,)))÷– / kqklqsf Pj+ 6]lnkmf]g vr{ jfkt ;~rfns l;ldltsf cWoIf / ;~rfnsnfO{ dfl;s ?= !,%))÷– eQf k|bfg ul/Psf] 5 . kf]v/f pkTosf jflx/af6 ;~rfns ;ldltsf] a}7sdf efu lng cfpg' x'g] ;~rfnsx¿sf] nflu cft]hft] xjfO{hxfh l6s6 / Po/kf]6{ 6\ofS; ;d]t / vfgf a:g tyf cGo e}k/L cfpg] vr{ jfkt ¿=#,)))÷– k|bfg ul/Psf] 5 . cWoIf tyf ;~rfnsnfO{ a}+ssf] sfdsf] l;nl;nfdf kf]v/f aflx/ af; a:g] u/L e|d0f ug{' kg]{ ePdf k|ltlbg eQf ¿=#,)))÷– / oftfoft ef8f lbg] Aoj:yf ul/Psf] 5 .

v_ k|d'v sfo{sf/L clws[t tyf Aoj:yfksx¿nfO{ pknAw u/fOPsf] kfl/>lds, eQf tyf ;'lawf lgDg adf]lhd /x]sf] 5 M

k|d'v sfo{sf/L clws[tnfO{ dfl;s tna eQf ?= @,$),)))÷– k|bfg ul/Psf] 5 . To;} u/L df]afOn vr{ dfl;s ?= @,)))÷–, k]6«f]n dfl;s !)) ln6/ k|bfg ul/Psf] 5 eg] ;~rosf]if yk, ljdf, ljbf lgodfg';f/ k|bfg ul/Psf] 5 . k|d'v sfo{sf/L clws[tsf] kfl/>lds ;d]t Joa:yfkgsf cGo sd{rf/Lx¿sf] kfl/>lds / cGo ;'ljwfx¿ u/L ;ldIff aif{df hDdf ?= !,)@,*(,$&)÷^* vr{ ePsf] 5 .

!@_ z]o/wgLx¿n] a'lemlng afFsL /x]sf] nfef+zsf] /sd M

z]o/wgLx¿n] a'lemlng afFsL /x]sf] nfef+z /sd ?= ^!,)!,(!*÷(@ /x]sf] 5 .

lwtf]kq btf{ tyf lgisfzg lgodfjnL @)&# sf] cg';'lr !$ lgod @^ sf] pk lgod -!_ ;+u ;DalGwt yk ljj/0fx¿ lgDgfg';f/ k|:t't ul/Psf] 5 M

!_ sfg"gL sf/jfxL ;DaGwL ljj/0f M

b]xfo cg';f/sf] d'2f bfo/ ePsf] eP, d'2f bfo/ ePsf] ldlt, ljifo, d'2f bfo/ ePsf] ;+:yfks jf ;~rfnssf] gfd / ;DefJo sfg"gL pkrf/ ;DaGWfL ljj/0f ;dfa]z ug'{kg]{ M

s_ q}dfl;s calwdf ;+ul7t ;+:yfn] jf ;+:yfsf] lj¿¢ s'g} d'2f bfo/ ePsf] eP M

q}dfl;s cjlwdf o; a}+sn] jf o; a}+s lj¿¢ s'g} d'2f bfo/ ePsf] 5}g .

v_ ;+ul7t ;+:yfsf] ;+:yfks jf ;~rfnsn] jf ;+:yfks jf ;~rfnssf] lj¿¢df k|rlnt lgodsf] cj1f jf kmf}hbf/L ck/fw u/]sf] ;DaGwdf s'g} d'2f bfo/ u/]sf] jf ePsf] eP M

o; ;+:yfsf] ;+:yfks jf ;~rfnsn] jf ;+:yfks jf ;~rfnssf] lj¿¢df k|rlnt lgodsf] cj1f jf kmf}hbf/L ck/fw u/]sf] ;DaGwdf s''g} d'2f bfo/ u/]sf] jf ePsf] ;DaGwdf s'g} hfgsf/L k|fKt ePsf] 5}g\ .

u_ s'g} ;+:yfks jf ;~rfns lj¿¢ cfly{s ck/fw u/]sf] ;DaGwdf s'g} d'2f bfo/ ePsf] eP M

o; a}+ssf s'g} ;+:yfks jf ;~rfns lj¿¢ cfly{s ck/fw u/]sf] ;DaGwdf s'g} d'2f bfo/ ePsf] hfgsf/L k|fKt ePsf] 5}g\ .

@_ ;+ul7t ;+:yfsf] z]o/ sf/f]jf/ tyf k|ultsf] laZn]if0f M

s_ lwtf]kq ahf/df ePsf] ;+ul7t ;+:yfsf] z]o/sf] sf/f]jf/ ;DaGwdf Aoj:yfkgsf] wf/0ff M

dh{/ k|lqmofdf /x]sf] sf/0f bf]>f], t]>f] / rf}yf] q}df;df z]o/sf] s'g} klg sf/f]af/ ePg eg] k|yd q}df;df z]o/sf] clwstd d'No ?=#** / Go"gtd d'No ?=##) /x]sf] lyof] . lwtf]kq ahf/df x'g] z]o/ sf/f]jf/ v'Nnf ahf/n] to u/]sf] d"Nosf cfwf/df x'g] ePsfn] o;nfO{ a}+sn] :jefljs ¿kdf lnPsf] 5 . a}+ssf] l:y/ Pj+ ;'b[9 cfly{s cj:yf tyf pT;fxhgs d'gfkmfn] z]o/sf] ahf/ d"No cem a[l¢ x'g] ljZjf; ul/Psf] 5 .



v_ ut aif{sf] k|To]s q}dfl;s calwsf] z]o/sf] clwstd\ , Go"gtd / clGtd d"Nosf ;fy} s'n sf/f]jf/ z]o/ ;+Vof / sf/f]jf/ lbg M

o; a}+ssf] ;ldIff cf=j=@)&@÷)&# sf] q}dfl;s cjlwdf ePsf] z]o/ sf/f]jf/ lgDg cg';f/ k|:t't ul/Psf] 5 . ->f]t M www.nepalstock.com.np)

ljj/0f @)&@ cflZjg d;fGt@)&@ kf}if d;fGt

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sf/f]jf/ ePsf] s'n lbg *

sf/f]jf/ ePsf] s'n ;+Vof !!# -@@,^^@ lsQf_

#_ ;d:of tyf r'gf}tL M

d'n'ssf] ljBdfg /fhlglts cl:y/tfn] ubf{ pTkfbgd'ns If]qsf] nufgLdf sdL cfPsf], ahf/df Go"g dfqfdf gofF Joj;foLx¿sf] cfudg tyf a}+sx¿sf] zfvf j[l¢ ePsf] cg'kftdf u|fxsx¿sf] j[l¢ gx'Fbf ljQLo If]qnfO{ r'gf}tLk"0f{ agfPsf] 5 . cfufdL lbgx¿df a}+ssf] sf/f]jf/ la:tf/ x'Fb} hfg], zfvf ;+hfn lj:tf/ x'Fb} hfg] x'Fbf a}+snfO{ ;+rfng hf]lvd sd ug{ ;f]xL adf]lhd bIf hgzlQm ljsf; ug"'{sf ;fy} bIf hgzlQmnfO{ ;+:yfdf l6sfO/fVg r'gf}tL x'g] b]lvG5 . To;sf nflu cfkm\gf sd{rf/Lx¿nfO{ ;do ;dodf cfjZostf cg';f/ tflnd pknAw u/fO{ sd{rf/Lx¿sf] bIftf Pjd\ sfo{s'zntf a[l¢ ug]{ gLlt a}+sn] lnPsf] 5, ;fy} k'/fgf u|fxsx¿nfO{ lj:yflkt x'g glbg' / gofF u|fxsx¿sf] vf]hL ug'{ ljQLo ;+:yfsf] /0fgLlt /x]sf] 5 .

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;+:yfdf ;+:yfut z';f;g sfod ug{sf] nflu ljleGg P]g, lgod tyf g]kfn /fi6« a}+ssf lgb]{zgx¿sf] kl/kfng u/L cfGtl/s gLlt tyf ljlgodfjnLx¿sf] th'{df ul/ To;nfO{ s8fOsf ;fy kfngf ul/Psf] 5 . a+}sn] a}lsË If]qdf x'g;Sg] hf]lvd tyf cfkm\gf] q'6L tyf sdLsdhf]/L ;dod} klxrfg ug{ hf]lvd Joj:yfkg / cfGtl/s n]vfk/LIf0f ;ldltx¿nfO{ ;ls|o agfO{ ;f] ;ldltx¿sf] ;'emfjnfO{ s8fO{sf;fy kfngf ub}{ cfPsf] 5 .



N. Amatya & Co.Chartered Accountants

z]o/wgL dxfg'efjx¿ ;dIf n]vfk/LIfssf] k|ltj]bg

!= ljlQo ljj/0f dfyLsf] k|ltj]bg

xfdLn] sfdgf ljsf; a}+s lnld6]8sf] o;};fy ;+nUg ljlQo ljj/0fx¿sf] n]vfk/LIf0f u/]sf 5f}+ h;df @)&#÷)#÷#! -!% h'nfO{ @)!^_ sf] jf;nft, / ;f]xL ldltdf ;dfKt jif{sf] gfkmf gf]S;fg lx;fa, O{SjL6Ldf ePsf] kl/jt{gsf] ljj/0f, gub k|jfxsf] ljj/0f tyf ckgfOPsf d"Vo n]vf gLltx¿ / cGo JofVofTds l6Kk0fLx¿ ;dfj]z /x]sf 5g\ .

@= ljlQo ljj/0f k|lt Joj:yfkgsf] pQ/bfloTj

g]kfn n]vfdfg\ cg';f/ oyfy{ / plrt lrq0f ug]{ ljlQo ljj/0fx¿ tof/ ug{' tyf ;f/e't¿kdf ;lx k|:t'lts/0f ug{' Joj:yfkgsf] pQ/bfloTj xf] tyf hfn ;fhL jf q'6Laf6 x'g ;Sg] ;f/o'Qm ¿kdf q'6L/lxt ljlQo ljj/0f tof/ ug{ Joj:yfkgn] cfZjos cfGtl/s lgoGq0fsf] Joj:yf ug{' kb{5 .

#= n]vfkl/Ifssf] pQ/bfloTjM

xfd|f] pQ/ bfloTj ljlQo ljj/0f k|lt cfˆgf] dGtJo hfx]/ ug]{ xf] . xfdL] g]kfn n]vfdfg\ cg';f/ n]vfkl/If0f ;DkGg u/]sf 5f}+ . pQm n]vfdfg\af6 tf]s]sf] cfrf/;+lxtf kfngf ub}{ ljlQo ljj/0f ;f/e't ¿kdf unt cf+s8f /lxt 5 eGg] s'/fdf ljZj:t x'g n]vfdfg] cg';f/ n]vfkl/If0f of]hgf tof/ u/L ;f] cg';f/ n]vfk/LIf0f ;DkGg ug{' kb{5 .

ljlQo ljj/0fsf cf+s8f tyf v'nfOPsf cGo ljj/0fnfO{ k':6\ofO{ ug]{ k|df0f k|fKt ug]{ ljwL n]vfkl/If0fdf ckgfPsf] x'G5 . n]vfkl/If0fdf ckgfpg] ljlwsf] r'gfj xfd|f] km};nfdf lge{/ ub{5 / ;f]xL ljwLsf] cfwf/df xfdLn] hfn;fhL jf uNtLsf] hf]lvdaf6 ;f/e't¿kdf ljlQo ljj/0fsf cf+s8fx¿ uNtL /lxt 5 eGg] Joxf]/f lgwf{/0f ub{5 . pNn]lvt hf]lvd lgwf{/0f ubf{ sDkgLsf] ljlQo ljj/0fsf] tof/L / v'nfO{Psf ljj/0f ;DaGwdf ckgfPsf] cfGtl/s lgoGq0fsf] k|efjsf/Ltfsf] ljrf/ ul/ df}h'bf kl/l:ylt cg';f/ n]vf kl/If0f ljwL tof/ ub{5 . t/ o;n] sDkgLsf] cfGtl/s k|0ffnL slt k|efjsf/L 5 eGg] wf/0ff k|:t't ug{sf] nflu x'g] 5}g\ . sDkgLn] cjnDag u/]sf] n]vfl;4fGtsf] pko'Qmtf Joj:yfksn] u/]sf] ljlQo cg'dfgsf] cf}lrTotfsf ;fy} ljlQo ljj/0f k|:t'tLsf] ;du| l:tlysf] d'Nof+sg klg n]vf kl/If0fdf ;dfj]z x'G5 . n]vfkl/If0fdf pknAw u/]sf hfgsf/Ln] xfd|f] dGtJonfO{ k|fKt cfwf/ k|wfg ug]{ s'/fdf xfdL ljZj:t 5f}+ .

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xfd|f] / fodf ;+nUg ljQLo ljj/ 0fx¿n] ;f] xL;fy ;+nUg n] vf gLlt tyf n] vf;Fu ;DalGwt l6Kk0fLx¿sf ;fy} cWoog ubf{ sfdgf ljsf; a} +s lnld6] 8sf] @)&# cfiff9 #! ut] sf] ljQLo l: ylt, ;f] ldltdf ;dfKt ePsf] cfly{ s jif{ sf] ;~rfng glthf / gub k|jfxsf] plrt tyf oyfy{ lrq0f u/ ] sf] / oL ljj/ 0fx¿ g] kfn rf6{ 8{ Psfp06] 06;\ ;+: yfaf6 hf/ L g] kfn n] vfdfg, n] vfsf] ;j{ dfGo l;4fGt tyf k|rng cg';f/ / sDkgL P] g @)^#, a} +s tyf ljQLo ;+: yf P] g @)^# / g] kfn / fi6« a} +ssf] lgb] { zg cg';f/ l7s;Fu tof/ ul/ Psf 5g\ .

%= cGo sfg'gL tyf lgodgsf/ Lsf] cfjZostf dflysf] k|ltj] bg

dfly pNn] lvt Joxf] / fsf] cltl/ Qm xfdLn] u/ ] sf] n] vf k/ LIf0f tyf xfdLnfO{ k|fKt ;"rgf Pj+ pknAw : kli6s/ 0fsf] cfwf/ df lgDgfg';f/ sf] yk k|ltj] bg k] z ub{ 5f} + .

s_ xfdLn] n] vfk/ LIf0fsf] nflu cfjZos 7fg] sf ;a} ;"rgf tyf : ki6Ls/ 0fx¿ oyflz3| kfof} .

v_ xfd|f] ljrf/ df a} +sn] cfkm\gf] lx;fa lstfa k|rlnt sfg'g cg';f/ 7Ls;Fu / fv] sf] 5 .

u_ o; k|ltjbg;Fu ;DalGwt jf;nft, gfkmf gf] S;fg lx;fa / gub k|jfx ljj/ 0f tyf tT;DaGwL cg';"rLx¿ g] kfn / fi6« a} +sn] tf] s] sf] 9fFrf (Form) tyf a} +sn] / fv] sf] n] vf;Fu b"?: t / x] sf 5g\ .

3_ a} +sn] g] kfn / fi6« a} +saf6 hf/ L ul/ Psf] lgb] { zg adf] lhd hf] lvd Joxf] g] { sf] if (Possible Loan Loss Provision) jfkt kof{ Kt Joj:yf u/ ] sf] 5 .

ª_ zfvf sfof{ noaf6 k|fKt ljj/ 0f n] vfk/ LIf0fsf] nflu kof{ Kt / x] sf 5g\ . r_ a} +sn] u/ ] sf] sf/ f] jf/ To;sf] clVtof/ leq / x] sf] / oL sf/ f] jf/ ;Gtf] ifhgs ¿kdf ePsf] b] lvG5 . 5_ a} +sn] ;~rfns ;ldlt jf s'g} ;~rfns jf a} +ssf] s'g} sd{ rf/ Ln] n] vf ;DaGwL s'g} P] g sfg'g lj?4 sfd u/ ] sf] jf a} +snfO{ s'g} xflg

gf] S;fgL jf j] lx;fa u/ ] sf] b] lvb} g . h_ a} +sn] g] kfn / fi6« a} +saf6 hf/ L lgb] { zg ljkl/ t sfo{ u/ ] sf] b] lvb} g / em_ a} +sn] sfo{ nufgLstf{ / lgIf] kstf{ x¿sf] lxt ;+/ If0fsf] ljrf/ u/ L ePsf] b] lvG5 .

Fourth Floor Gajendra Bhawan, 1784/42 Ramshah Path, Kathmandu, NepalT: 977-1-4010660, F. : 977-1-4-4010661, E: [email protected]



jf;nft@)&# cfiff9 d;fGtsf]

k'“hL tyf bfloTj cg';"rL o; jif{ ?= ut jif{ ?=

1= z]o/ k'“hL 4=1 804,379,200.73 341,195,800.00 2= hu]*f tyf sf]ifx¿ 4=2 141,253,756.63 56,828,985.08 3= C)fkq tyf aG* 4=3 – – 4= ltg{ af“sL shf{{ ;fk^ 4=4 – – 5= lgIf]k bfloTj 4=5 6,906,141,360.57 3,142,486,894.55 6= e'QmfgL lbg'kg]{ ljnx¿ 4=6 223,351.08 1,224,058.58 7= k|:tflat gub nfef+z – 3,310,305.26 8= cfos/ bfloTj 354,559.73 2,121,528.93 9= cGo bfloTj 4=7 92,626,811.64 41,533,403.50 s'n k'“hL tyf bfloTj 7,944,979,040.37 3,588,700,975.90

;DklQ cg';"rL o; jif{ ?= ut jif{ ?=

1= gub df}Hbft 4=8 136,597,254.75 50,004,244.28

2= g]kfn /fi^« a}+sdf /x]sf] df}Hbft 4=9 591,450,080.07 198,957,118.01

3= a}+s÷ljQLo ;+:yfdf /x]sf] df}Hbft 4=10 66,234,808.11 2,872,246.03

4= dfu tyf cNk ;"rgfdf k|fKt x'g] /sd 4=11 1,108,321,324.58 760,962,832.19

5= nufgL 4=12 66,996,480.00 1,100,000.00

6= shf{ ;fk^ tyf ljn vl/b 4=13 5,891,348,741.91 2,527,309,360.82

7= l:y/ ;DklQ 4=14 74,423,892.53 39,564,374.92

8= u}/ a}lsª ;DklQ 4=15 – –

9= cGo ;DklQ 4=16 9,606,458.42 7,930,799.65s'n ;DklQ 7,944,979,040.37 3,588,700,975.90

;Defljt bfloTj cg';"rL 4=17;~rfnsx¿sf] #f]if)ff cg';"rL 4=29k'“hLsf]if tflnsf cg';"rL 4=30hf]lvd efl/t ;DklQ ljj/)f tflnsf cg';"rL 4=30 -s_k|d'v ;'rsf°x¿ cg';"rL 4=31k|d'v n]vf gLltx¿ cg';"rL 4=32n]vf ;DaGwL l^Kk)fLx¿ cg';"rL 4=33;+:yfks z]o/wgLsf] z]o/ lwtf] /fvL lnPsf] shf{ cg';"rL 4=34n]vf k/LIF)f gePsf] q}dfl;s ljQLo ljj/)f cg';"rL 4=35n]vf k/LIF)f gePsf] / ePsf] ljQLo ljj/)fsf] t'ngf cg';"rL 4=c

4=1 b]lv 4=17 tyf 4=32 / 4=33 ;Ddsf cg';"rLx¿ jf;nftsf cleGg c+u x'g\ .o;} ldltsf] xfd|f] ;+nUg k|ltj]bgsf] cfwf/df,

================ ======================== =============================== ================================= /fdrGb|| nD;fn tf]o/fh clwsf/L /fh]Gb|lglw sf]O{/fnf l;P g]d nfn cdfTo k|d'v n]vf k|d'v sfo{sf/L clws[t cWoIf ;fem]bf/ lg= Pg= cdfTo P)* s+= ==================== ================== ========================= rf^{*{ PsfpG^]G^;\ rt'/fv/ clwsf/L dbg zdf{ vgfn >L/fd kf)*] ;~rfns ;~rfns ;~rfns ==================== ================= ========================= ============================ ;'bLk cfrfo{ /fdsfhL >]i& an/fd a/fn /fds'df/ lkof ;~rfns ;~rfns ;~rfns ;~rfnsldlt M 2073.09.4



gfkmf gf]S;fg lx;fjldlt ! >fj0f @)&@ b]lv #! cfiff9 @)&# ;Dd

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

1= Jofh cfDbfgL 4=18 401,611,508.08 330,262,784.59

2= Jofh vr{ 4=19 194,350,835.51 167,975,562.58

v'b Jofh cfDbfgL 207,260,672.57 162,287,222.01

3= sldzg tyf l*:sfp)^ 4=20 4,281,085.99 4,872,774.60

4= cGo ;~rfng cfDbfgL 4=21 28,649,604.87 24,185,608.95

5= ;^xL #^a( cfDbfgL 4=22 – –

s'n ;~rfng cfDbfgL 240,191,363.43 191,345,605.56

6= sd{rf/L vr{ 4=23 32,996,672.17 26,733,453.51

7= cGo ;~rfng vr{ 4=24 38,524,678.57 30,057,711.92

8= ;^xL #^a( gf]S;fgL 4=22 – –

;Defljt gf]S;fgL Joj:yf cl#sf] ;~rfng d'gfkmf 168,670,012.69 134,554,440.13

9= ;Defljt gf]S;fgL Joj:yfx¿ 4=25 552,172.92 9,917,834.01

;~rfng d'gfkmf 168,117,839.77 124,636,606.12

10= u}/ ;~rfng cfDbfgL÷gf]S;fg 4=26 1,941,220.89 3,241,349.93

11= ;Defljt gf]S;fgL Joj:yfaf^ lkmtf{ 4=27 – 12,220.21

lgoldt sf/f]jf/af^ ePsf] d'gfkmf 170,059,060.66 127,890,176.26

12= c;fdfGo sf/f]jf/x¿af^ ePsf] d'gfkmf ÷vr{ 4=28 – –

;Dk")f{ sf/f]jf/ ;dfj]z kl%sf] v'b d'gfkmf 170,059,060.66 127,890,176.26

13= sd{rf/L af]g; Joj:yf 15,459,914.61 11,626,379.66

14= cfos/ Joj:yf

– o; jif{sf] 48,167,496.00 35,057,210.00

– ut jif{;Ddsf] 409,477.79 –

– o; jif{sf] :yug s/ -cfDbfgL_÷vr{ 999,293.59 -99,088.00_

v'b gfkmf÷gf]S;fg 105,022,878.67 81,305,674.60

4=18 b]lv 4=28 tyf 4=32 / 4=33 ;Ddsf cg';"rLx¿ gfkmf gf]S;fg lx;fjsf cleGg c+u x'g\ .

o;} ldltsf] xfd|f] ;+nUg k|ltj]bgsf] cfwf/df, ================ ======================== =============================== ================================= /fdrGb|| nD;fn tf]o/fh clwsf/L /fh]Gb|lglw sf]O{/fnf l;P g]d nfn cdfTo k|d'v n]vf k|d'v sfo{sf/L clws[t cWoIf ;fem]bf/ lg= Pg= cdfTo P)* s+= ==================== ================== ========================= rf^{*{ PsfpG^]G^;\ rt'/fv/ clwsf/L dbg zdf{ vgfn >L/fd kf)*] ;~rfns ;~rfns ;~rfns ==================== ================= ========================= ============================ ;'bLk cfrfo{ /fdsfhL >]i& an/fd a/fn /fds'df/ lkof ;~rfns ;~rfns ;~rfns ;~rfns

ldlt M 2073.09.4



gfkmf gf]S;fg af+8kmf8 lx;fa ldlt ! >fj0f @)&@ b]lv #! cfiff9 @)&# ;Dd

ljj/)f rfn' cf=a= ?= ut cf= a= ?=

cfDbfgL

1= ut jif{;Ddsf] ;+lrt d'gfkmf 216,131.60 1,377,697.18

2= ;flas sf:sL kmfOgfG; ln= sf] ;+lrt d'gfkmf 45,883,402.94 –

3= o; aif{sf] v'b gfkmf 105,022,878.67 81,305,674.60

4= ;^xL #^a( sf]if – –

5= :yug s/ 570,319.71

6= k'+hLut hu]*f 12,119,230.18

hDdf 163,811,963.10 82,683,371.78

vr{

1= ut jif{;Ddsf] ;+lrt gf]S;fg

2= o; jif{sf] gf]S;fg – –

3= ;fw/)f hu]*fsf]if 21,004,575.73 16,261,134.92

4= e}k/L cfpg] hu]*f – –

5= ;+:yf ljsf; sf]if – –

6= nfef+z ;dLs/)f sf]if – –

7= sd{rf/L ;DaGwL hu]*fx¿ – –

8= k|:tfjLt nfef+z – 3,310,305.26

9= k|:tfjLt af]g; z]o/ 142,774,330.91 62,895,800.00

10= ljz]if hu]*f sf]if – –

11= ;^xL #^a( sf]iF – –

12= k'“hL lkmtf{ hu]*f sf]if – –

13= k'“hL ;dfof]hg sf]if – –

14= nufgL ;dfof]hg sf]if 7,684.00 –

hDdf 163,786,590.64 82,467,240.18

15= ;l~rt d'gfkmf -gf]S;fg_ 25,372.46 216,131.60

o;} ldltsf] xfd|f] ;+nUg k|ltj]bgsf] cfwf/df,

================ ======================== =============================== ================================= /fdrGb|| nD;fn tf]o/fh clwsf/L /fh]Gb|lglw sf]O{/fnf l;P g]d nfn cdfTo k|d'v n]vf k|d'v sfo{sf/L clws[t cWoIf ;fem]bf/ lg= Pg= cdfTo P)* s+= ==================== ================== ========================= rf^{*{ PsfpG^]G^;\ rt'/fv/ clwsf/L dbg zdf{ vgfn >L/fd kf)*] ;~rfns ;~rfns ;~rfns ==================== ================= ========================= ============================ ;'bLk cfrfo{ /fdsfhL >]i& an/fd a/fn /fds'df/ lkof ;~rfns ;~rfns ;~rfns ;~rfnsldlt M 2073.09.4



gub k|jfx ljj/0f ldlt ! >fj0f @)&@ b]lv #! cfiff9 @)&# ;Dd

ljj/)f rfn' jif{ ? ut jif{ ?

s= sf/f]jf/ ;~rfngaf^ gub k|jfx 1= gub k|lKt 434,542,198.94 359,525,133.141=1 Jofh cfDbfgL 401,611,508.08 330,262,784.591=2 sldzg tyf l*isfpG^ cfDbfgL 4,281,085.99 4,872,774.601=3 ljb]zL ljlgdo sf/f]jf/af^ cfDbfgL – –1=4 ckn]lvt shf{sf] c;'nL – –1=5 cGo cfDbfgL 28,649,604.87 24,389,573.952= gub e'QmfgL 299,262,840.35 260,927,244.842=1 Jofh vr{ 187,640,651.68 167,048,410.212=2 sd{rf/L vr{ 26,391,949.91 26,289,313.522=3 sfof{no ;~rfng vr{ 31,609,982.14 24,443,463.202=4 cfos/ e'QmfgL 50,343,942.99 34,035,956.722=5 cGo vr{ 3,276,313.63 9,110,101.19

sfo{ut k'“hL ultljlw cl#sf] gub k|jfx 135,279,358.59 98,597,888.30;~rfng ;DaGwL rfn' ;DklQdf sdL÷-j[l¢_ 3,412,166.05 -32,816,104.79_

1= dfu tyf cNk ;"rgfdf k|fKt x'g] /sddf sdL÷-j[l¢_ -347,358,492.39_ -48,140,812.61_2= cGo cNksfnLg nufgLdf sdL÷-j[l¢_ -65,896,480.00_ –3= shf{ tyf laN; vl/bdf sdL÷-j[l¢_ -3,364,591,554.02_ -463,170,257.48_4= cGo ;DklQdf sdL÷-j[l¢_ -1,081,304.54_ -1,032,073.50_

;~rfng ;DaGwL rfn' bfloTjdf -sdL_÷j[l¢1= lgIf]k bfloTjdf -sdL_÷j[l¢ 3,763,654,466.02 477,719,184.022= ;l^{lkms]^ ckm l*kf]lh^df -sdL_÷j[l¢ – –3= cNksfnLg ;fk^Ldf -sdL_÷j[l¢ – –4= cGo bfloTjdf -sdL_÷j[l¢ 18,685,530.98 1,807,854.78

sf/f]jf/ ;~rfngaf^ ePsf] s'n gub k|jfx 138,691,524.64 65,781,783.51v= nufgL sf/f]jf/df gub k|jfx

1= z]o/ tyf l*a]~r/ vl/b – –2= z]o/ tyf l*a]~r/ laqmLaf^ k|fKt /sd 1,899,622.61 7,396,732.503= l:y/ ;DklQ vl/b -42,749,958.86_ -2,051,197.35_4= l:y/ ;DklQ laqmLaf^ k|fKt /sd 163,400.00 60,300.005= d'@tL lgIf]k nufgLdf sdL÷-j[l¢_ – –6= nfef+z cfDbfgL 199,500.00 750,000.007= cGo – –

sDKo'^/ ;km\^j]o/ vl/b – -502,250.00_ ckn]vg ug{ af“sL vr{df j[l$ – – lnhxf]N* ;DklQdf j[l$ -492,048.76_ -107,735.30_

nufgL sf/f]af/af^ ePsf] s'n gub k|jfx -40,979,485.01_ 5,545,849.85u= ljQLo >f]t sf/f]jf/af^ gub k|jfx – –

1= bL#{sfnLg C)fdf -sdL_÷j[l¢ – – -j)*, l*j]Gr/ cflb_ – –

2= z]o/ k'“hLdf -sdL_÷j[l¢ 320,409,069.82 –3= nfef+z e'QmfgL 2,151,200.91 -2,313,024.76_4= shf{sf] Jofh e'QmfgL – –5= g]kfn /i^« a}+saf^ k|fKt ;x'lnot÷k'g/shf{df -sdL_÷j[l¢ – –

ljQLo sf/f]jf/af^ ePsf] gub k|jfx 322,560,270.73 -2,313,024.76_#= dh{/ kl% z]o/ k'“hL tyf sf]ifdf ePsf] kl/jt{gsf] ;dfof]hg 122,176,224.25 –ª gub tyf a}+s df}Hbftsf] ljlgdo b/df ePsf] km/saf^ – – cfDbfgL÷vr{ –

r= o; jif{ ;Dk")f{ ultljlwaf^ gub k|jfx -s±v±u±#_ 542,448,534.60 69,014,608.60

%= gub tyf a}+sdf /x]sf] ;'? df}Hbft 251,833,608.32 182,818,999.72h= gub tyf a}+sdf /x]sf] clGtd Dff}Hbft 794,282,142.93 251,833,608.32

o;} ldltsf] xfd|f] ;+nUg k|ltj]bgsf] cfwf/df ================ ======================== =============================== ================================= /fdrGb|| nD;fn tf]o/fh clwsf/L /fh]Gb|lglw sf]O{/fnf l;P g]d nfn cdfTo k|d'v n]vf k|d'v sfo{sf/L clws[t cWoIf ;fem]bf/ lg= Pg= cdfTo P)* s+= ==================== ================== ========================= rf^{*{ PsfpG^]G^;\ rt'/fv/ clwsf/L dbg zdf{ vgfn >L/fd kf)*] ;~rfns ;~rfns ;~rfns ==================== ================= ========================= ============================ ;'bLk cfrfo{ /fdsfhL >]i& an/fd a/fn /fds'df/ lkof ;~rfns ;~rfns ;~rfns ;~rfns

ldlt M 2073.09.4



OSjL6Ldf ePsf] kl/jt{g ;DaGwL ljj/0f cf=j= @)&@÷)&#

ljj/)f z]o/ k'“hL ;l~rt gfkmf

gf]S;fg ;fwf/)f hu]*f

sf]if k'“hLut hu]*f

z]o/ lk|ldod

;^xL #^a( sf]if

:yug s/ hu]*f

nufgL ;dfof]hg sf]if

k|:tfljt af]gz z]o/

s'n /sd

;'? df}Hbft 278,300,000.00 216,131.60 55,610,898.81 – – 1,954.66 – 1,000,000.00 62,895,800.00 398,024,785.08

;flas sf:sL kmfOgfG; ln= sf]= 320,409,069.82 45,883,402.94 63,293,025.82 – – – 570,319.71 310,245.60 – 430,466,063.89

;dfof]lht ;'? df}Hbft 598,709,069.82 46,099,534.54 118,903,924.63 – – 1,954.66 570,319.71 1,310,245.60 62,895,800.00 828,490,848.96

;dfof]hg

z]o/ k'“hLdf j[lå –

af]gz z]o/ hf/L 62,895,800.00 -62,895,800.00_ –

o; cf= a= sf] v'b gfkmf 105,022,878.67 105,022,878.67

k'“hLut hu]*f sf]if 12,119,230.18 12,119,230.18 – 24,238,460.36

;fwf/)f hu]*f sf]ifdf ;f/]sf] -21,004,575.73_ 21,004,575.73 –

k|:tfljt af]gz z]o/ 142,774,330.91 -142,774,330.91_ -12,119,230.18_ – -12,119,230.18_

;^xL #^a( sf]if – – –

k|:tfjLt nfef+z -s/ k|of]hgsf] nflu_ – –

nufgL ;dfof]hg sf]if -7,684.00_ 7,684.00 –

:yug s/ 570,319.71 -570,319.71_ –

clGtd df}}Hbft 804,379,200.73 25,372.46 139,908,500.36 – – 1,954.66 – 1,317,929.60 – 945,632,957.82

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

1= z]o/ k"“hL

1=1 clws[t k"“hL 1,000,000,000.00 640,000,000.00

s_ 100,00,000 ;fwf/)f z]o/ k|lt z]o/ ?= 100.00 n] 1,000,000,000.00 640,000,000.00

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

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

1=2 hf/L k"“hL 661,604,869.82 278,300,000.00

s_ 66,16,048.69 ;fwf/)f z]o/ k|lt z]o/ ?= 100.00 n] 661,604,869.82 278,300,000.00



1=3 r'Qmf k'“hL 661,604,869.82 278,300,000.00

s_ 66,16,048.69 ;fwf/)f z]o/ k|lt z]o/ ?= 100.00 n] 661,604,869.82 278,300,000.00



1=4 k|:tfljt af]g; z]o/ 142,774,330.91 62,895,800.00

1=5 sN; Og P*efG;

1=6 hDdf /sd-1=3±1=4±1=5_ 804,379,200.73 341,195,800.00

z]o/ k'FhL tyf :jfldTj@)&# cfiff9 d;fGtsf]

cg';"rL $=!



qm=;+= gfd k|ltzt z]o/ lsQf r'Qmf /sd ?=1 t'n;f kf08] 4.47 295,851 29,585,100 2 l;tf cfrfo{ 3.39 224,292 22,429,200 3 >L/fd kf08] 2.79 184,772 18,477,200 4 dbg zdf{ vgfn 2.42 160,207 16,020,700 5 u0f]z axfb'/ >]i7 2.19 145,008 14,500,800 6 rqmkf0fL af:tf]nf 2.07 136,700 13,670,000 7 nIdL b]jL u'?Ë 1.79 118,138 11,813,800 8 l/a axfb'/ yfkf 1.66 109,670 10,967,000 9 lbks v/]n 1.45 96,124 9,612,400 10 ljgf]b Gof}kfg] 1.45 96,124 9,612,400 11 uf]kL gfy a/fn 1.35 89,563 8,956,300 12 e/t/fh sf]O/fnf 1.35 89,563 8,956,300 13 /fh]Gb|lglw sf]O/fnf 1.25 82,739 8,273,900 14 /ZdL kf}8]n 1.19 78,475 7,847,500 15 lbksnfn af6fh' 1.03 68,239 6,823,900 16 lbks >]i7 0.97 64,082 6,408,200 17 /ljGb| k|wfg 0.97 64,082 6,408,200 18 /fh]Gb| s'df/ af6fh' 0.97 64,082 6,408,200 19 8f= z'idf ;fksf]6f kf08] 0.96 63,472 6,347,200 20 8Da/ axfb'/ yfkf 0.93 61,841 6,184,100 21 Ps/fh hd/s§]n 0.91 60,349 6,034,900 22 ab|L gfy k/fh'nL 0.91 60,135 6,013,500 23 afa'/fd hd/s§]n 0.85 56,510 5,651,000 24 b]j s[i0f sfkm\n] 0.82 54,059 5,405,900 25 rt'/fv/ clwsf/L 0.77 50,989 5,098,900 26 z+s/ k|;fb kf08] 0.75 49,740 4,974,000 27 8f= ;/:jtL kf08] 0.75 49,740 4,974,000 28 k|sfz df]xg e§/fO{ 0.71 46,994 4,699,400 29 lai0f'/fh k/fh'nL 0.70 46,061 4,606,100 30 db'z'bg zdf{ 0.69 45,773 4,577,300 31 zDe'nfn >]i7 0.69 45,421 4,542,100 32 /fhg u'?Ë 0.68 44,781 4,478,100 33 ;"o{ gf/fo0f nfld5fg] 0.68 44,781 4,478,100 34 nIdL b]jL kf08] 0.68 44,781 4,478,100 35 eLd k|;fb u'?Ë 0.68 44,781 4,478,100 36 cGh' u'?Ë 0.68 44,781 4,478,100 37 ;'dg l3ld/] 0.64 42,538 4,253,800 38 k|lt1f kf08] 0.62 41,012 4,101,200 39 zfGt s'df/ >]i7 0.60 39,450 3,945,000 40 k/z'/fd sf]O/fnf 0.57 37,744 3,774,400 41 ;/:jtL u'?Ë 0.56 37,380 3,738,000 42 s[i0f k|;fb cfrfo{ 0.50 32,926 3,292,600

hDdf 3,313,750 331,375,000

)=% k|ltzt jf ;f]eGbf a9L z]o/ :jfldTj ePsf z]o/wgLx¿sf] ljj/0f@)&# ;fn cfiff9 d;fGt

cg';"rL $=! -s_



hu]8f tyf sf]ifx¿@)&# cfiff9 d;fGtsf]

cg';"rL $=@

z]o/ :jfldTj@)&# cfiff9 d;fGtsf]


∞ z]o/ k'“hL z]o/ k'“hL ∞

1= :jb]zL :jfldTj 661,604,869.82 230,000,000.00

1=1 g]kfn ;/sf/ – – – –

1=2 a}b]lzs ;+:yf – – – –

1=3 s ju{sf Ohfhtkq k|fKt ;+:yfx¿ – – – –

1=4 cGo Ohfhtkq k|fKt ;+:yfx¿ – – – –

1=5 cGo ;+:yfx¿ – –

1=6 JolQmut 100 661,604,869.82 278,300,000.00 100

1=7 cGo – – –

2= a}b]lzs :jfldTj – – – –

hDdf 100 661,604,869.82 278,300,000.00 100


1= ;fwf/)f hu]*f sf]if 76,615,474.55 55,610,898.81

;flas sf:sL kmfOgfG; ln= sf] ;+lrt d'gfkmf 63,293,025.35 –

2= k'“hLut hu]*f sf]if – –

3= Soflk^n l/l*Dk;g l/he{ – –

4= k'“hL ;dfof]hg sf]if – –

5= cGo hu]*f tyf sf]if – –

5=1 e}k/L cfpg] hu]*f – –

5=2 ;+:yf ljsf; sf]if – –

5=3 nfef+z ;dLs/)f sf]if – –

5=4 ljz]if hu]*f sf]if – –

5=5 ;DklQ k'gd"Nof°g sf]if – –

5=6 cGo :jtGq sf]if – –

5=7 :yug hu]*f sf]if -;flas sf:sL kmfOgfG; ln= sf]_ –

5=8 nufgL ;dfof]hg sf]if 1,007,684.00 1,000,000.00

;flas sf:sL kmfOgfG; ln= sf] n= ;= sf]if 310,245.60 –

7= ;l~rt gfkmf÷gf]S;fg 25,372.46 216,131.60

8= ;^xL #^a( sf]if 1,954.66 1,954.66

hDdf 141,253,756.63 56,828,985.08




1= ========== ========= k|ltzt j)*÷C)fkq k|lt j)*÷C)fkq ====== ?= n] ====== ldlt ============= df hf/L ePsf] / ldlt =========== df r'Stf x'g]

2= ========== ========= k|ltzt j)*÷C)fkq k|lt j)*÷C)fkq ====== ?= n] ====== ldlt ============= df hf/L ePsf] / ldlt =========== df r'Stf x'g]

3= ======== ========= – –

4= hDdf -1 ± 2 ± 3_ – –

C0fkq tyf j08 @)&# ;fn cfiff9 d;fGt

cg';"rL $=#

ltg{ af“sL shf{ -;fk6L_ @)&# ;fn cfiff9 d;fGt

cg';"rL $=$


s= :jb]zL

1= g]kfn ;/sf/ – –

2= g]kfn /fi^« a}+s – –

3= l/kf] bfloTj – –

4= cGt/ a}+s tyf ljQLo ;+:yf – –

5= cGo ;+ul&t ;+:yfx¿ – –

6= cGo – –

hDdf – –

v= ljb]zL

1= a}+sx¿ – –

2= cGo – –

hDdf – –

u= hDdf -s ± v_ – –



lgIf]k lx;fa @)&# ;fn cfiff9 d;fGt

cg';"rL $=%


1= Jofh ltg'{ gkg]{ vftfx¿ 76,159,065.17 43,635,293.39

s= rNtL lx;fj 76,159,065.17 43,635,293.39

1= :jb]zL d'b|fdf

1=1 g]kfn ;/sf/ – –

1=2 s ju{sf Ohfhtkq k|fKt ;+:yfx¿ – –

1=3 cGo Ohfhtkq k|fKt ljQLo ;+:yfx¿ 484,801.84 3,347,498.82

1=4 cGo ;+ul&t ;+:yfx¿ 34,234,035.61 19,739,594.21

1=5 JolQmut 41,440,227.72 20,548,200.36

1=6 cGo

2= ljb]zL d'b|fdf

2=1 g]kfn ;/sf/ – –

2=2 s ju{sf Ohfhtkq k|fKt ;+:yfx¿ – –

2=3 cGo Ohfhtkq k|fKt ljQLo ;+:yfx¿ – –

2=4 cGo ;+ul&t ;+:yfx¿ – –

2=5 JolQmut – –

2=6 cGo – –

v= dflh{g – –

1= sd{rf/L hdfgt – –

2= hdfgt dflh{g – –

3= k|lttkq dflh{g – –

u= cGo

1= :jb]zL d'b|fdf

1=1 ljQLo ;+:yfx¿ – –

1=2 cGo ;+ul&t ;+:yfx¿ – –

1=3 JolQmut – –

2= ljb]zL d'b|fdf

2=1 ljQLo ;+:yfx¿ – –

2=2 cGo ;+ul&t ;+:yfx¿ – –

2=3 JolQmut – –

Jofh ltg'{ gkg]{ vftfx¿sf] hDdf 76,159,065.17 43,635,293.39

2= Jofh ltg'{ kg]{ vftfx¿ 6,829,982,295.40 3,098,851,601.16

s= jrt lx;fa 3,582,429,200.49 1,832,057,040.05

1= :jb]zL d'b|fdf 3,582,429,200.49 1,832,057,040.05

1=1 ;+# ;+:yfx¿



1=2 JolQmut 3,582,429,200.49 1,832,057,040.05

1=3 cGo – –

2= ljb]zL d'b|fdf

2=1 ;+# ;+:yfx¿ – –

2=2 JolQmut – –

2=3 cGo – –

v= d'$tL lx;fa 1,872,012,429.75 780,322,064.44

1= :jb]zL d'b|fdf 1,872,012,429.75 780,322,064.44

1=1 ;+# ;+:yfx¿ 1,710,647,543.74 131,242,727.00

1=2 JolQmut 161,364,886.01 649,079,337.44

1=3 cGo

2= ljb]zL d'b|fdf

2=1 ;+# ;+:yfx¿ – –

2=2 JolQmut – –

2=3 cGo – –

u= dfu]sf] avt ltg'{ kg]{ lx;fa 1,375,540,665.16 486,472,496.67

1= :jb]zL d'b|fdf 1,375,540,665.16 486,472,496.67

1=1 s ju{sf Ohfhtkq k|fKt ;+:yfx¿

1=2 cGo Ohfhtkq k|fKt ljQLo ;+:yfx¿ 203,220,569.75 49,149,807.84

1=3 cGo ;+ul&t ;+:yfx¿ 1,172,320,095.41 437,322,688.83

1=4 JolQmut

1=5 cGo – –

2= ljb]zL d'b|fdf

2=1 s ju{sf Ohfhtkq k|fKt ;+:yfx¿

2=2 cGo Ohfhtkq k|fKt ljQLo ;+:yfx¿

2=3 cGo ;+ul&t ;+:yfx¿

2=4 JolQmut

2=5 cGo

#= ;l^{lkms]^ ckm l*kf]lh^

1= ;+ul&t ;+:yf – –

2= JolQmut – –

3= cGo – –

Jofh ltg'{ kg]{ vftfx¿sf] hDdf 6,829,982,295.40 3,098,851,601.16

-1 ± 2_ hDdf lgIf]k 6,906,141,360.57 3,142,486,894.55



e'QmfgL lbg'kg]{ ljnx¿ @)&# ;fn cfiff9 d;fGt

cg';"rL $=^

cGo bfloTj @)&# ;fn cfiff9 d;fGt

cg';"rL $=&


1= :jb]zL d'b|f 223,351.08 1,224,058.58

2= ljb]zL d'b|f – –

hDdf 223,351.08 1,224,058.58


1= k]G;g÷pkbfg sf]if 3,513,760.00 1,874,230.00

2= sd{rf/L ;~ro sf]if 258,712.46 –

3= sd{rf/L sNof)f sf]if 723,653.77 640,251.49

4= sd{rf/L jf]g; Joj:yf 23,809,980.63 11,626,379.66

5= lgIf]kdf e'QmfgL lbg af“sL Jofh 25,124,970.64 18,414,786.81

6= ;fk^Ldf e'QmfgL lbg af“sL Jofh

7= kfsL g;s]sf] l*:sfp)^ / sldzg – –

8= ;)*«L qm]l*^;{ 19,175,909.31 3,876,097.09

9= zfvf ldnfg lx;fj – –

10= :yug s/ bfloTj 900,830.00 471,856.02

11= e'QmfgL lbg af“sL nfef+z 6,101,918.92 640,412.75

12= cGo – –

s= s/ s§L 7,224,247.60 3,129,041.17

v= n]vf kl/If)f z'Ns 390,250.00 167,250.00

u= sd{rf/L ljbf jfktsf] /sd 4,851,378.31 144,898.51

#= nfefz+df s/

#= n]vfk/LIf)f z'Nsdf s/ 5,250.00 2,250.00

ª= a}+s df}Hbftdf Aoj:yf – –

r= cGo ;DklQdf ul/Psf] Joj:yf 545,950.00 545,950.00

hDdf 92,626,811.64 41,533,403.50



gub df}Hbft @)&# ;fn cfiff9 d;fGt

cg';"rL $=*

g]kfn /fi6«« a}+sdf /x]sf] df}Hbft @)&# ;fn cfiff9 d;fGt

cg';"rL $=(

a}+s tyf ljQLo ;+:yfdf /x]sf] df}Hbft @)&# ;fn cfiff9 d;fGt

cg';"rL $=!)

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

1= :jb]zL d'b|f -l;Ssf ;d]t_ 136,586,934.75 49,898,900.28

2= ljb]zL d'b|f 10,320.00 105,344.00

hDdf 136,597,254.75 50,004,244.28

ljj/)f :jb]zL

d'b|f

ljb]zL d'b|f ?=df

s'n ?= ut jif{ ?=ef=?=

kl/jTo{

lj=d'=hDdf

1= g]kfn /fi^«« a}+s 591,450,080.07 591,450,080.07 591,450,080.07 198,957,118.01

s= rNtL vftf – – – – –

v= cGo vftf – – – – –

ljj/)f :jb]zL d'b|f

ljb]zL d'b|f ?= df o; jif{ ?=

s'n ?=

ut jif{ ?=

s'n ?= ef=?= kl/jTo{

lj=d'= hDdf

1= :jb]zL Ohfhtkq k|fKt ;+:yfx¿ 66,234,808.11 – – 66,234,808.11 2,872,246.03

s= rNtL vftf 66,234,808.11 – – – 66,234,808.11 2,872,246.03

v= cGo vftf – – – – –

2= ljb]zL a}+sx¿

s= rNtL vftf – – – – – –

v= cGo vftf – – – – – –

hDdf 66,234,808.11 – – – 66,234,808.11 2,872,246.03

gf]^M ;DalGwt Ohfhtkq k|fKt ;+:yfx¿ ;dy{g kq cg';f/sf] s'n df}Hbft ?=66,234,808.11



dfu tyf cNk;'rgfdf k|fKt x'g] /sdx¿ @)&# ;fn cfiff9 d;fGt

cg';"rL $=!!

nufgL @)&# ;fn cfiff9 d;fGt

cg';"rL $=!@


1= :jb]zL d'b|fdf 1,108,321,324.58 760,962,832.19

2= ljb]zL d'b|fdf – –

hDdf 1,108,321,324.58 760,962,832.19

gf]^M ;DalGwt Ohfhtkq k|fKt ;+:yfx¿ ;dy{g kq cg';f/sf] s'n df}Hbft ?=1,109,628,890.24

ljj/)f k|of]hg

o; jif{ ?= ut jif{ ?=Jofkfl/s cGo

1= g]kfn ;/sf/sf] ^«]h/L ljn – – – –

2= g]kfn ;/sf/sf] jrtkq – – – –

3= g]kfn ;/sf/sf] cGo C)Fkq 50,000,000.00 – 50,000,000.00 –

4= g=/f=a}+s C)fkq – – – –

5= lab]zL C)fkq – – – –

6= :jb]zL Ohfhtkq k|fKt ;+:yf – – – –

7= lab]zL a}+s – – – –

8= ;+ul&t ;+:yfx¿sf] z]o/ 16,996,480.00 – 16,996,480.00 1,100,000.00

9= ;+ul&t ;+:yfx¿sf] l*j]Gr/ tyf j)* – – – –

10= cGo nufgL – – – –

s'n nufgL 66,996,480.00 – 66,996,480.00 1,100,000.00

Joj:yf – – – –

v'b nufgL 66,996,480.00 – 66,996,480.00 1,100,000.00



z]o/, l8a]Gr/ tyf j08df nufgL @)&# ;fn cfiff9 d;fGt

cg';"rL $=!@ -s_

ljj/)f k/n df]n ?= ahf/ d"Nofg';f/Joj:yf

/sdut jif{

1= z]o/ nufgL

1=1 k|e' Soflk^n ln= -;fljs u|f]d/ dr]{G^ a}+s/ lnld^]*sf]_ 1,000,000.00 – – 1,000,000.00

10,000=00 lsQf ?=100 z]o/ k|lt z]o/ n] k/n d"No ? 10,00,000=00

1=2 g]kfn lSnol/ª\u xfp; lnld^]* sf] 100,000.00 – – 100,000.00

1,000=00 lsQf z]o/ ?=100 k|lt z]o/ k/n n] d"No ? 100,000=00

1=3 l;¢fy{ Soflk^n lnld^]*sf] – – – 5,000,000.00

500,000=00 lsQf z]o/ ?=10 k|lt z]o/ k/n d"No n] ? 5,000,000=00

1=4 hnljB't nufgL tyf ljsf; sDkgL ln= 1,737,800.00 – – –

17,378 lsQf z]o/ ?= 100 k|lt z]o/ k/n d"No n] ? 1,737,800=00

1=5 l;$fy{ Do"r"cn km)* cGtu{t ;~rflnt l;$fy{ OSjL^L cf]l/oG^]* :sLd sf]

14,154,580.00 18,400,954.00 – –

1,415,458 lsQf z]o/ k|lt z]o/ k/n d"No ?=10∞ n] ?= 14,154,580

1=6 d]/f] dfOs|f]kmfOgfG; ljQLo ;+:yf ln=

41 lsQf z]o/ ?=100 k|lt z]o/ k/n d"No n] ? 4,100=00

4,100.00 – – –

2= l*a]Gr/ tyf jG* nufgL

2=1 ==================sDkgL -k|f=ln=÷ln= – – – –

========k|ltzt l*j]Gr/÷j)* k|lt l*j]Gr/÷j)* ======= ?=====n]======

– – – –

s'n 16,996,480.00 – – 6,100,000.00

3= hf]lvd ;DaGwL Joj:yf

3=1 ut jif{ ;Ddsf] Joj:yf – – – –

3=2 o; jif{sf] yk÷#^ – – – –

s'n Joj:yf – – – –

v'b nufgL 16,996,480.00 – – 6,100,000.00



ljj/)fk/n

d""No

kl%Nnf]

ahf/

d'No -s_

xfnsf]

ahf/

d""No -v_

o; jif{

gfkmf÷-gf]S;fg_

/sd -v–s_

ut jif{

gfkmf÷-gf]S;fg_

/sd

s}lkmot

1= g]kfn ;/sf/sf] ^«]h/L ljn

2= g]kfn ;/sf/sf] jrtkq

3= g]kfn ;/sf/sf] cGo C)fkq

4= g]= /f= a}+ssf] C)fkq

5= ljb]zL C)fkq

6= :jb]zL Ohfhtkqk|fKt ;+:yfsf] z]o/

7= :jb]zL Ohfhtkqk|fKt ;+:yfsf] l*j]Gr/ tyf a)*

8= :jb]zL ;+ul&t ;+:yfsf] z]o/, l*j]Gr/ tyf a)*

9= ljb]zL a}+s nufgL (Placement)

10= Interbank Lending

11= cGo nufgL

s'n nufgL

ljj/)f

k/n

d""No

-s_

kl%Nnf]

ahf/

d'No -v_

xfnsf]

ahf/

d""No

-u_

o; jif{

gfkmf÷-

gf]S;fg_

/sd

-s–v–u_

ut jif{

gfkmf÷

-gf]S;fg_

/sd

s}lkmot



3= g]kfn ;/sf/sf] cGo C)fkq 50,000,000 – –


5= ljb]zL C)fkq



8= :jb]zL ;+ul&t ;+:yfsf] z]o/, l*j]Gr/ tyf a)*


10= cGo nufgL

s'n nufgL –

s'n nufgL 50,000,000 – –

Jofkfl/s nufgL -Held for Trading_@)&# ;fn cfiff9 d;fGt

cg';"rL $=!@=!

e'QmfgL ldlt;Dd wf/0f ug]{ nufgL -Held to Maturity_ @)&# ;fn cfiff9 d;fGt

cg';"rL $=!@=@



ljj/)fk/n

d""No

kl%Nnf]

ahf/

d'No -s_

xfnsf]

ahf/

d""No

-v_

o; jif{

gfkmf÷-

gf]S;fg_

/sd -v±s_

ut jif{

gfkmf÷-

gf]S;fg_

/sd

s}lkmot



3= g]kfn ;/sf/sf] cGo C)fkq


5= ljb]zL C)fkq



8= :jb]zL ;+ul&t ;+:yfsf] z]o/, l*j]Gr/ tyf a)* 16,996,480.00 – –


10= cGo nufgL

s'n nufgL

s'n nufgL 16,996,480.00

laqmLsf] nflu pknAw nufgL -Available for Sale_@)&# ;fn cfiff9 d;fGt

cg';"rL $=!@=#



ljj

/)f

shf{

vl/b

tyf l*

:sfp

G^ u

l/Ps

f lan

o

; jif{ ?=

ut

jif{ ?=

:jb

]zL

ljb

]zL

hDd

f :j

b]zL

ljb]z

L hDd

f ljkG

g ju

{ c

Go

ljldt

c

ljldt

1=

;lqmo s

hf{ ;fk^

195,20

6,119.94

5,72

6,06

4,4

39.52

5,92

1,27

0,55

9.46

5,92

1,27

0,55

9.46

2,55

4,150

,142.52

1=1 c

;n

182,75

0,93

0.43

5,62

8,600

,674

.26

–5,811

,351

,604

.69

––

–5,811

,351

,604

.69

2,51

6,93

6,64

2.33

1=2 ;

'Id lgu

/fgL

–12

,455

,189.51

97,4

63,765

.26

–10

9,91

8,954

.77

––

–10

9,91

8,954

.77

37,213

,500

.19

2=

lgl:q

mo s

hf{ ;fk^

–7,

062,89

8.25

54,8

40,37

0.59

–61

,903

,268

.84

––

–61

,903

,268

.84

7,38

3,421

.01

2=1 k

'g/;+/

rgf u

l/Ps

f 2

=2 s

d;n

–1,37

2,06

7.21

19,311

,183.25

–20

,683,25

0.46

––

–20

,683,25

0.46

575,39

8.93

2=3 z

+sf:k

b –

2,18

5,481.20

20,387,99

7.14

–22

,573

,478

.34

––

–22

,573

,478

.34

597,463

.41

2=4

v/fa

–3,50

5,34

9.84

15,141,19

0.20

–18

,646,54

0.04

––

–18

,646,54

0.04

6,21

0,55

8.67

s=

s'n s

hf{

202,26

9,01

8.19

5,78

0,90

4,8

10.11

–5,98

3,17

3,82

8.30

––

–5,98

3,17

3,82

8.30

2,56

1,53

3,56

3.53

3=

shf{ gf]S;

fgL Jo

j:yf

3=1 c

;n

1,827

,509

.30

56,286,00

6.74

–58

,113

,516

.05

––

–58

,113

,516

.05

25,169

,366

.42

3=2 ;

'Id lgu

/fgL

498

,207

.58

3,898

,550

.61

4,396

,758

.19

4,396

,758

.19

744,270

.00

3=3 k

'g/;+/

rgf u

l/Ps

f –

––

––

––

––

– 3

=4 s

d;n

–36

4,666

.53

3,28

6,64

3.17

–3,65

1,30

9.70

––

–3,65

1,30

9.70

143,849.73

3=5

z+sf:k

b –

941,92

4.31

4,056

,058

.86

–4,997

,983.17

––

–4,997

,983.17

298,731

.71

3=6 v

/fa

–3,50

5,34

9.84

15,141,19

0.20

–18

,646,54

0.04

––

–18

,646,54

0.04

6,21

0,55

8.67

3=7

yk

shf{ Jo

j:yf

–

2,01

8,979

.25

2,01

8,979

.25

2,01

8,979

.25

1,65

7,426

.17

v=

s'n Joj

:yf

7,137,

657.57

84,687

,428

.82

–91

,825

,086

.39

––

–91

,825

,086

.39

34,224

,202

.71

4=

ut

jif{;

Ddsf] Jo

j:yf

4=1 c

;n

–99

9,77

9.24

24,169

,587.18

–25

,169

,366

.42

––

–25

,169

,366

.42

20,947,53

7.56

4=2 ;

'Id lgu

/fgL

133,806

.61

610,463

.40

744,270

.00

744,270

.00

4=3 k

'g/;+/

rgf u

l/Ps

f –

––

––

––

––

– 4

=4 s

d;n

–12

0,58

9.33

23,260

.40

–14

3,849.73

––

–14

3,849.73

401

,877

.61

4=5

z+sf:k

b –

–29

8,731

.71

–29

8,731

.71

––

–29

8,731

.71

384,293

.59

4=6 v

/fa

––

6,21

0,55

8.67

–6,21

0,55

8.67

––

–6,21

0,55

8.67

1,23

3,452

.35

4=7

yk

shf{ Jo

j:yf

–

1,65

7,426

.17

1,65

7,426

.17

1,65

7,426

.17

1,33

9,20

7.59

u= u

t jif{s

f] s'n Joj

:yf

–1,25

4,175

.18

32,970

,027

.52

–34

,224

,202

.71

––

–34

,224

,202

.71

24,306

,368

.70

;fljs

sf:s

L kmf=

ln= s

f] s'n

Joj:

yf

57,048,710

.76

57,048,710

.76

#=

ut

jif{s

f] Ao

j:yf

jf^ lkmtf{

––

––

––

––

––

ª

o; j

if{sf] yk

Joj

:yf

5,88

3,482

.38

-5,331,309

.45_

552,17

2.93

552,17

2.93

9,91

7,83

4.01

o;

jif{s

f] s'n Yfk#^

–5,883,482.38

(5,331

,309

.45)

–55

2,17

2.93

––

–55

2,17

2.93

9,91

7,834

.01

v'b

shf{

–19

5,131,36

0.62

5,69

6,21

7,38

1.29

–5,89

1,34

8,74

1.91

––

–5,89

1,34

8,74

1.91

2,52

7,30

9,36

0.82

sh

f{ ;fk

6 ty

f lan

vl/

b ju

L{s/0

f / ;

f]sf] n

flu J

oj:

yf

@)&

# ;

fn c

fiff9

d;

fGt

cg

';"rL $

=!#



shf{, ;fk6 / ljN; vl/bsf] ;'/If0f@)&# ;fn cfiff9 d;fGt

cg';"rL $=!# -s_


s_ ;'/lIft 5,983,173,828.30 2,561,533,563.53

1= rn÷crn ;DklQsf] ;'/If)fdf 5,900,504,912.80 2,523,620,198.22

2= :jb]zL Ohfhtkqk|FKt ;+:yfsf] hdfgtdf – –

3= ;/sf/L hdfgtdf – –

4= cGt/f{li^«o >])FLs[t j}+ssf] hdfgtdf – –

5= lgof{t sfuhft sf] ;'/If)fdf – –

6= d'@tL /l;bsf] ;'/If)fdf

s= ;+:yfsf] cfkm\g} d'@tL /;Lbsf] ;'/If)f 4,682,929.86 27,292,528.77

v= cGo Ohfhtkq k|FKt ;+:yfsf] d'@tL /l;bsf] ;'/If)f – –

7= ;/sf/L C)fkqsf] ;'/If)fdf – –

8= sfp)^/ hdfgtdf – –

9= JolQmut hdfgtdf 10,094,896.23 8,372,513.64

10= cGo ;'/If)fdf 67,891,089.41 2,248,322.90

v_ c;'/lIft – –

hDdf 5,983,173,828.30 2,561,533,563.53



ljj/

)f ;Dk

lQo;

jif{

?= ?

ut j

if{ ?=

ejg

kl/j

xg ;

fwg

d]zLg/L

sfof{n

o ;fd

fgcGo

b/20

∞25

∞15∞

1= k

/ndf

]n s

= ut

jif{s

f] df

}Hbft

–6,98

4,115

.00

–30

,662

,982.35

4,114

,318

.29

41,76

1,415

.64

40,27

0,68

0.95

v= o;

jif{

yk–

329,70

0.00

–1,57

3,04

3.18

83,51

1.00

1,98

6,25

4.18

2,05

1,19

7.35

u= dh

{/sf] kl/)

ffd :j¿

k uf

leOP

sf] ;D

klQ

– ;f

ljssf] sf:s

L kmfOgfG;

ln= sf]

6,814

,303

.00

8,391

,308

.63

–19

,600

,744.09

4,378

,335

.00

39,184,690

.72

#= o;

jif{

k'gd"{N

of°g

÷k'g

n]{vg

––

––

––

ª= o;

jif{s

f] ljqmL

–27

7,97

0.00

–30

1,21

7.00

82,03

3.72

661,22

0.72

268,4

49.05

r= o;

jif{s

f] ck

n]vg

––

––

––

s'n -s±v

±u±#

±ª_ k/

ndf

]n6,81

4,303

.00

15,4

27,153

.63

–51

,535

,552

.62

8,494

,130

.57

82,271

,139

.82

42,05

3,429

.25

2= x

|f;s^\^

L s

= ut

jif{

;Dds

f] –

2,52

5,409

.52

–14

,190

,941.23

1,810

,623

.20

18,526

,973

.95

15,151

,367

.05

v= o;

jif{s

f]–

871

,779

.40

–4,151

,695

.69

353,844.53

5,37

7,31

9.62

3,76

6,421

.94

u= dh

{/sf] kl/)

ffd :j¿

k uf

leOP

sf] ;D

klQ

;f

ljssf] sf:s

L kmfOgfG;

ln= sf]

646,33

4.36

5,11

9,02

9.27

–13

,334

,843.43

2,26

8,189.21

21,368

,396

.27

– #

= x|f;s

^\^L k'g

d{"Nof°g

÷k'g

n]{vg

––

––

––

ª= o;

jif{s

f] ljqmL

–17

8,161

.54

–10

7,96

6.31

53,791

.15

339,91

9.00

98,8

01.4

8 r

= o;

jif{s

f] ck

n]vg

– %

= x|f;s

^\^Ls

f] /s

d ;d

fof]h

g÷lkmtf{

––

––

––

s'n x

|f;s^\^

L64

6,33

4.36

8,33

8,05

6.65

–31,569

,514

.05

4,378

,865

.79

44,932

,770

.85

18,8

18,987

.51

3= a

's E

ofn'

6,16

7,96

8.64

7,08

9,09

6.97

–19

,966

,038

.57

4,115

,264

.78

37,338

,368

.97

23,234

,441.74

4= hUu

f–

––

––

10,046,400

.00

10,046,400

.00

dh

{/sf] kl/)

ffd :j¿

k uf

leOP

sf] ;D

klQ

;f

ljssf] sf:s

L kmfOgfG;

ln= sf]

11,960

,000

.00

–5= k

'“hLu

t lgdf

{)F -k'“h

Ls/)

f ul

/g'kg

]{_–

––

––

––

6= n

Lhxf]N*

;Dk

lQ–

––

––

5,62

2,67

3.66

6,28

3,53

3.18

dh

{/sf] kl/)

ffd :j¿

k uf

leOP

sf] ;D

klQ

;f

ljssf] sf:s

L kmfOgfG;

ln= sf]

9,456

,449.90

–hDd

f -3±4±5±

6_6,16

7,96

8.64

7,08

9,09

6.97

–19

,966

,038

.57

4,115

,264

.78

74,4

23,8

92.53

39,564

,374

.92

l:y

/ ;

DklQ

@)&

# ;

fn c

fiff9

d;

fGt

cg

';"rL $

=!$



C)FL jf

kf^L{sf]

gfd &]ufgf

u}/ a}+lsª

;DklQ

;sf/ u/]sf]

ldlt

s'n u}/ a}+}lsª

;DklQ /sd ?=

gf]S;fgL Joj:yf

k|ltzt /sd ?=

v'b u}/ a}}+lsª

;DklQ ?=

ut jif{

?=

– –

– – – – – – –

– – – – – – –

– – – – – – –

– – – – – – –

– – – – – – –

– – – – – – –

– – – – – – –

s'n hDdf – – – – – –

u}/ a}+lsª ;DklQ@)&# ;fn cfiff9 d;fGt

cg';"rL $=!%

cGo ;DklQ@)&# ;fn cfiff9 d;fGt

cg';"rL $=!^


1= d;nGb df}Hbft 603,649.87 582,165.77

2= nufgLdf c;'n ug{ af“sL cfDbfgL – –

3= shf{df c;'n ug{ af“sL Jofh 47,610,732.28

Go'g Jofh d'NtjL /sd 47,610,732.28 – –

4= c;'n ug{ af“sL sldzg – –

5= ;G*«L *]^;{ 3,070,526.63 1,972,285.00

6= sd{rf/L ;fk^L / k]ZsL 1,653,611.85 2,192,307.51

7= clu|d e'QmfgL 979,212.12 774,193.27

8= dfu{:y gub – –

9= dfu{:y cGo -r]s ;d]t_ – –

10= ljgf ;"rgf *«fkm\^sf] e'QmfgL – –

11= ckn]vg x'g af“sL vr{ 2,426,456.34 1,832,102.10

12= zfvf ldnfg lx;fj – –

13= :yug s/ ;DkQL – –

14= cGo – –

s= w/f}^L 129,650.00 63,050.00

v= cu|Ld cfos/ –

u= cGo 743,351.62 514,696.00

hDdf 9,606,458.42 7,930,799.65



cGo ;DklQ -yk ljj/0f_@)&# ;fn cfiff9 d;fGt

cg';"rL $=!^ -s_

;Defljt bfloTjx¿@)&# ;fn cfiff9 d;fGt

cg';"rL $=!&

ljj/)f

o; jif{ ?=

ut jif{ ?=1 jif{;Dd

1 jif{b]lv dfly

3 jif{;Dd

3 jif{eGbf

dflyhDdf

1= shf{df c;'n ug{ af“sL Jofh 47,610,732.28 – – 47,610,732.28 14,761,430.51

2= ljgf ;"rgf *«fkm\^sf] e'QmfgL – – – –

3= zfvf ldnfg lx;fj – – – – –

4= :jb]zL ljbzL Ph]G;L lx;fa – – – – –


1= ;+:yfpk/ bfjL k/]sf] t/ ;+:yfn] bfloTj :jLsf/ gu/]sf] – –

2= k|lttkqx¿ -k'/f /sd_

s_ 6 dlxgf eGbf sd cjlwsf] – –

v_ 6 dlxgf eGbf al( cjlwsf] – –

3= k"gM l*:sfpG^ ul/Psf ljnx¿ – –

4= Dofb gfl# g;s]sf] Uof/]G^L÷j)*

s_ lj* j)*

v_ k/km/d]G; j)* 8,350,000.00 11,350,000.00

u_ cGo Uof/]G^L÷j)*

5= r'Qmf jf e'Qmfg x'g af“sL z]o/ nufgL – –

6= km/jf*{ PS:r]~h sG^«fS^sf] af“sL bfloTjx¿ – –

7= sn]S;gdf /x]sf ljnx¿ – –

8= d~h'/L tyf ;dy{g – –

9= k|Tofe'tL k|ltj$tf – –

10= ckl/jTo{ shf{ k|ltj$tf (Irrevocable Loan Commitment) 277,047,525.02 136,865,163.56

11= cGt/f[li^«o >])FLs[t a}+ssf] sfp)^/ Uof/])^Ldf lbPsf] Uof/])^L – –

12= clu|d e'QmfgL Uof/])^L (Advance Payment Guarantee) – –

13= shf{ k|jfxsf] nflu ljQLo hdfgt (Financial Guarantee) – –

14= cfos/ jfkt ;Defljt bfloTj – –

15= cGo – –

16 ======================================== – –

17 ======================================== – –



Jofh cfDbfgLldlt ! >fj0f @)&@ b]lv #! cfiff9 @)&# ;Dd

cg';"rL $=!*


s= shf{ ;fk^ / clwljsif{df 369,800,349.04 296,389,097.24

1= shf{ ;fk^ 284,726,603.15 216,678,533.81

2= clwljsif{ 85,073,745.89 79,710,563.43

v= nufgLdf

1= g]kfn ;/sf/sf] C)fkq – –

s_ ^]«h/L ljN; – –

v_ ljsf; C)fkq – –

u_ /fli^«o jrtkq – –

2= ljb]zL C)fkq

s_ – –

v_ – –

3= g]kfn /fi^« a}+ssf] C)fkq – –

4= l*j]`r/ tyf j)* – –

5= cGt/ j}+s nufgLdf Aofh

s_ j}+}+s÷ljQLo ;+:yfx¿ – –

v+_ cGo ;+:yfx¿ – –

u= Ph]G;L df]}Hbftdf

1= :jb]zL j}+s÷ljQLo ;+:yfx¿ – –

2= ljb]zL j}+sx¿ – –

#= dfu tyf cNk;"rgfdf k|FKt x'g] df}Hbftdf 31,811,159.04 33,873,687.35

1= :jb]zL j}+s÷ljQLo ;+:yfx¿ 31,811,159.04 33,873,687.35

2= ljb]zL j}+sx¿ – –

ª= cGodf

1= ;l^{kmLs]^ ckm l*kf]lh^ – –

2= cGt/ j}+s÷ljQLo ;+:yf shf{ – –

3= cGo – –

hDdf 401,611,508.08 330,262,784.59



Jofh vr{ldlt ! >fj0f @)&@ b]lv #! cfiff9 @)&# ;Dd

cg';"rL $=!(


s= lgIf]k bfloTjdf

1= d'@tL lgIf]k

1=1 :jb]zL d'b|f 75,999,286.50 65,584,881.37

1=2 ljb]zL d'b|f – –

2= jrt lgIf]k

2=1 :jb]zL d'b|f 54,469,899.24 81,977,590.70


3= dfu]sf] jvt ltg''[{kg]{ lgIf]k

3=1 :jb]zL d'b|f 63,881,649.77 20,413,090.51


4= ;l^{lkms]^ ckm l*kf]lh^;\ – –

v= shf{ ;fk^df

1= C)fkq tyf j)* – –

2= g]kfn /fi^« a}+saf^ k|FKt shf{ – –

3= cGt/ j}+s÷ljQLo ;+:yf shf{ – –

4= cGo ;+|ul&t ;+:yf – –

5= cGo shf{ – –

u= cGodf – –

1 ================ – –

2= ===================== – –

hDdf 194,350,835.51 167,975,562.58



sldzg tyf l8:sfpG6ldlt ! >fj0f @)&@ b]lv #! cfiff9 @)&# ;Dd

cg';"rL $=@)

cGo ;~rfng cfDbfgLldlt ! >fj0f @)&@ b]lv #! cfiff9 @)&# ;Dd

cg';"rL $=@!


s= ljN; vl/b tyf l*:sfpG^

1= :jb]zL – –

2= ljb]zL – –

v= sldzg

1= k|lttkq – –

2= hdfgtkq 6,000.00 119,500.00

3= sn]S;g lkm – –

4= /]ld^]G; lkm 4,063,631.20 4,263,618.21

5= qm]l*^ sf*{ – –

6= z]o/ k|Tofe"lt÷lgisfzg

7= ;/sf/L sf/f]jf/ jfkt – –

8= ladf sldzg jfkt 120,123.81 90,776.39

9= j§f cfDbfgL 154.23 409.58

u= cGo 91,176.75 398,470.42

hDdf 4,281,085.99 4,872,774.60


1= ;]]km l*kf]lh^ eN^sf] ef*f 308,500.00 267,000.00

2= qm]l*^sf*{ lgisfzg tyf gjLs/)f

3= P=l^=Pd= sf*{ lgisfzg tyf gjLs/)f 178,400.00 213,600.00

4= ^]n]S;\÷l^=l^=

5= ;]jf z'Ns 18,072,836.33 15,669,894.51

6= gjLs/)f z'Ns 3,573,046.06 3,074,524.43

7= cGo 6,516,822.48 4,960,590.01

hDdf 28,649,604.87 24,185,608.95



;6xL 36a9 cfDbfgL÷gf]S;fgldlt ! >fj0f @)&@ b]lv #! cfiff9 @)&# ;Dd

cg';"rL $=@@

sd{rf/L vr{ldlt ! >fj0f @)&@ b]lv #! cfiff9 @)&# ;Dd

cg';"rL $=@#


s_ ljlgdo b/df ePsf] km/saf^ – –

v_ ljb]zL d'b|f sf/f]af/af^ -a^\^f afx]s_ – –

hDdf cfDbfgL÷-gf]S;fg_ – –


1= tna 19,154,702.73 15,645,164.02

2= eQf 7,619,041.79 6,775,953.80

3= ;~rosf]ifdf yk 1,706,177.95 1,409,756.06

4= tflnd vr{ 202,878.14 137,383.96

5= kf]zfs 701,439.89 602,451.62

6= cf}ifwf]krf/ – –

7= aLdf – 114,425.84

8= k]G;g tyf pkbfg Joj:yf 784,760.00 819,320.00

9= cGo – –

s = labf jfktsf] /sd 2,827,671.67 1,228,998.21

hDdf 32,996,672.17 26,733,453.51



cGo ;~rfng vr{ldlt ! >fj0f @)&@ b]lv #! cfiff9 @)&# ;Dd

cg';"rL $=@$

ljj/)f o; jif{ ?= ut jif{ ?= 1= #/ef*f 5,007,125.23 4,459,547.44 2= aQL lah'nL / kfgL 1,043,538.47 907,798.65 3= dd{t tyf ;Def/ s= ejg =============== 8,300.00 93,791.02 v= ;jf/L ;fwg================ 189,254.31 162,136.82 u= cGo==================== 291,440.21 220,267.46 4= aLdf 3,893,570.04 2,491,688.58 5= kf]:^]Hf, ^]n]S;, ^]lnkmf]g, km\ofS;\ 1,111,195.55 994,941.41 6= sfof{no pks/)f kmlg{r/ / ;Def/ 441,140.59 436,529.70 7= e|d)f eQf / vr{ 355,211.53 310,032.12 8= d;nGb %kfO{ 1,370,456.01 1,466,962.11 9= kqklqsf tyf k':ts 76,033.12 73,081.86 10= lj!fkg 442,311.28 452,820.05 11= sfg'gL vr{ 61,000.00 71,500.00 12= rGbf ;xof]u 87,000.00 272,705.00 13= ;~rfns ;ldlt ;DaGwL vr{ s= a}&s eQf================= 526,000.00 516,500.00 v= cGo vr{================== 200,988.45 179,927.00 14= ;fwf/)F ;ef ;DaGwL vr{ 650,954.88 310,162.76 15= n]vf k/LIF)f ;DaGwL – – s= n]vfk/LIf)f z'Ns – – afx\o n]vfk/LIf)f z'Ns 395,500.00 113,000.00 cfGtl/s n]vfk/LIf)f z'Ns 452,000.00 113,000.00 v= cGo vr{================== 389,566.00 235,140.00 16= /sd :yfgfGt/)F sldzg 7,370.00 – 17= l:y/ ;DklQdf x|f; s^\^L 5,377,320.16 3,766,421.95 18= k'j{ ;Grfng vr{ ckn]vg – – 19= xsk|b z]o/ lgisf;g vr{ – – 20= z]o/ lgisf;g vr{ ckn]vg 394,538.10 394,538.10 21= k|fljlws ;]jf ;f]wegf{ 1,014,734.01 1,563,565.58 22= dgf]/~hg vr{ 273,810.42 266,863.64 23= ckn]vg vr{ 1,537,376.28 1,453,288.67 24= ;'/Iff vr{ 4,285,865.01 3,944,927.50 25= shf{ ;'/If)f lk|ldod – – 26= sldzg / l*:sfpG^ – – 27= cGo====================== sd{rf/L vfhf vr{ 503,093.35 205,002.01 OGwg vr{ 1,042,623.18 986,221.21 ;b:otf z'Ns 215,044.52 189,003.84 dh{/ ;DaGwL vr{ 2,375,019.06 – a}+s rfh{ – 4,250.00 Hofnf 186,690.00 273,591.38 sfof{no z'ef/De / jflif{sf]]]T;j vr{ 39,750.00 34,783.00 P=l^=Pd= ;DaGwL vr{ 1,550,280.51 1,346,606.00 cGo a}&s eQf 24,000.00 164,500.00 ljljw vr{ 2,704,578.30 1,582,617.06

hDdf 38,524,678.57 30,057,711.92



;Defljt gf]S;fgL Joj:yfldlt ! >fj0f @)&@ b]lv #! cfiff9 @)&# ;Dd

cg';"rL $=@%

u}/ ;~rfng cfDbfgL÷gf]S;fgldlt ! >fj0f @)&@ b]lv #! cfiff9 @)&# ;Dd

cg';"rL $=@^

;Defljt gf]S;fgL Joj:yfaf6 lkmtf{ldlt ! >fj0f @)&@ b]lv #! cfiff9 @)&# ;Dd

cg';"rL $=@&


1= shf{ gf]S;fgL Joj:yfdf ePsf] j[l$ 552,172.92 9,917,834.01

2= nufgL gf]S;fgL Joj:yfdf ePsf] j[l$ – –

3= u}/ a}+lsª ;DklQ gf]S;fgL Joj:yf – –

4= cGo ;DklQdf ul/Psf] Joj:yf – –

hDdf 552,172.92 9,917,834.01


1= nufgL ljqmLaf^ cfDbfgL÷-gf]S;fg_ 1,899,622.61 2,396,732.50

2= ;DklQ ljqmLaf^ cfDbfgL÷-gf]S;fg_ -157,901.72_ -109,347.57_

3= nfef+z 199,500.00 203,965.00

4= g]kfn /fi^« a}+saf^ k|FKt ;x'lnot – –

s= tf]lsPsf] zfvfx¿sf] gfS;fg jfkt Ifltk"lt{ – –

v= Jofh Ifltk"lt{ – –

u= ;^xL sfpG^/ – –

5= cGo – 750,000.00

v'b u}/ ;~rfng cfDbfgL÷-g]fS;fg_ 1,941,220.89 3,241,349.93


1= shf{ gf]S;fgL Joj:yfaf^ lkmtf{ – –

2= u}/ a}+lsª ;DklQ gf]S;fgL Joj:yfaf^ lkmtf{ – –

3= nufgL Joj:yfaf^ lkmtf{ – –

4= cGo ;DklQsf] Joj:yfaf^ lkmtf{ – 12,220.21

hDdf – 12,220.21



c;fdfGo sf/f]jf/x¿af6 ePsf] cfDbfgL÷vr{ldlt ! >fj0f @)&@ b]lv #! cfiff9 @)&# ;Dd

cg';"rL $=@*

ckn]lvt shf{sf] ljj/0fcfly{s jif{ @)&@÷)&#

cg';"rL $=@* -s_


1= ckn]vg ePsf] shf{sf] c;'nL – –

2= :j]lR%s cjsfz vr{ – –

3= c;'nL x'g g;Sg] shf{sf] ckn]vg -4=25s_ – –

4= cGo vr{÷cfDbfgL – –

hDdf – –

qm+=;+= shf{ k|sf/

ckn]vg

ul/Psf]

/sd

lwtf]sf] k|sf/

tyf ÷ /sd

lwtf] d"Nof°gsf]

cfwf/

shf{ :jLs[t ug]{

clwsf/L÷tx

shf{ c;'nLsf nflu

eP u/]sf k|of;s}lkmot

1= rfn' k'“hL

shf{ – – – – – –

2= kl/of]hgf

shf{ – – – – – –

3= l:y/ k'“hL

shf{ – – – – – –

4= JolQmut

shf{ – – – – – –

5= cGo shf{ – – – – – –

s'n shf{ – – – – – –



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

;+:yfks÷;~rfns÷sfo{sf/L

k|d'vsf] gfd

ut jif{;Ddsf] af“sL o; jif{ c;'nL o; jif{cfiff( d;fGt;Dd

af“sL Jofh

;f+jf Jofh ;f+jf Jofh yk shf{ ;f+jf

s_ ;~rfns

1= – – – – – – –

2= – – – – – – –

v_ sfo{sf/L k|d'v

1= – – – – – – –

2= – – – – – – –

u_ ;+:yfks

1= – – – – – – –

2= – – – – – – –

#_ sd{rf/L

1=

2=

3=

4=

5=

6=

7=

ª_ z]o/wgLx¿

1= – – – – – –

2= – – – – – –

hDdf – – – –

;~rfns, sfo{sf/L k|d'v, ;+:yfks, sd{rf/L z]o/xf]N8/x¿nfO{ uPsf] shf{ ;fk6 ljj/0f@)&# ;fn cfiff9 d;fGt

cg';"rL $=@(




s_ k|fylds k“'hL 922,306,673.09 386,424,292.31

1_ r'Qmf k“'hL -;fwf/)f z]o/_ 661,604,869.82 278,300,000.00

2_ k|:tfljt jf]g; z]o/ 142,774,330.91 62,895,800.00

3_ z]o/ lk|ldod – –

4_ lkmtf{ gx'g] cu|flwsf/ z]o/ – –

5_ ;fwf/)f hu]*f sf]if 139,908,499.90 55,610,898.81

6_ ;+lrt gfkmf÷-gf]S;fg_ 25,372.46 216,131.60

7_ jf;nftdf b]vfOPsf] rfn' cf=j=sf] gfkmf÷gf]S;fg lx;fjsf] /sd

8_ k“'hL lkmtf{ hu]*f sf]if – –

9_ k“'hL ;dfof]hg sf]if –

10_ sN; Og P*efG;

11_ cGo :jtGq sf]ifx¿ – –

12_ k'“hLut hu]*f sf]if – –

#^fpg]M

VoftL (Goodwill) jfktsf] /sd

:yug s/ ;DklQ – –

;LdfeGbf a(L z]o/, ;'/If)fkqdf nufgL ul/Psf] /sd

ljQLo :jfy{ /x]sf] sDkgLsf] lwtf]kqdf nufgL u/]sf] /sd

cjf:tljs ;DklQ (Fictitious Assets) – 552,138.10

o; a}+ssf] lgb]{zg kfngf gu/L :jk|of]hgsf nflu #/hUuf vl/b u/]sf] /sd

:jk|of]hgsf nflu vl/b u/]sf] hUuf tf]lsPsf] ;doleq k|of]hgdf gNofPsf] /sd 22,006,400.00 10,046,400.00

;LdfeGbf a(L cfjf; ejg lgdf{)f tyf hUuf ljsf;df nufgL ul/Psf] /sd – –

tf]lsPsf] ;doleq ljqmL ljt/)f ug{ g;s]sf] z]o/ k|Tofe"lt

k|rlnt P]g tyf sfg'gn] k|ltaGw u/]sf JolQm tyf ;d"xx¿nfO{ k|bfg u/]sf] shf{ tyf ;'ljwfx¿

v= k"/s k'“hL 65,849,137.75 28,573,017.26

1= c;n shf{sf] nflu ul/Psf] shf{ gf]S;fgL Joj:yf 62,510,274.24 27,571,062.60

2= ;DklQ k"g{d"Nof°g sf]if – –

3= xfOlj|* k'“hL pks/)fx¿ – –

4= ;'/If)f g/flvPsf] ;xfos cfjlws C)f – –

5= ;^xL ;lds/)f sf]if 1,954.66 1,954.66

6_ cltl/St shf{ gf]S;fgL Aoj:yf 2,018,979.25 –

7= nufgL ;dfof]hg sf]if 1,317,929.60 1,000,000.00u= hDdf k'“hLsf]if -s±v_ 988,155,810.83 414,997,309.58

#= hf]lvd efl/t ;DklQsf] cfwf/df sfod ug'{kg]{ Go"gtd k'“hLsf]if

k'“hLsf]if -11 k|ltzt_ 762,536,010.21 336,521,861.22

k|fylds k'“hL -5=5 k|ltzt_ 381,268,005.11 168,260,930.61

k'“hLsf]if clws÷-Go'g_ -3.25∞_ 225,619,800.62 78,475,448.36

k|fylds k'“hL clws÷-Go"g_ -7.80∞_ 541,038,667.98 218,163,361.70

k'“hLsf]if tflnsf@)&# ;fn cfiff9 d;fGt

cg';"rL $=#)



hf]lvd efl/t ;DklQ ljj/0f tflnsf@)&# ;fn cfiff9 d;fGt

cg';"rL $=#) -s_?= xhf/df

jf;nft adf]lhdsf] ;DklQ

(On-Balance-sheet Assets) ef/ rfn' jif{ ut jif{

/sdhf]lvd efl/t

;DklQ/sd

hf]lvd efl/t

;DklQgub df}Hbft 0 136,597,255 – 50,004,244 –;'g -ljlgodof]Uo_ 0 – – – –g]kfn /fi^« a}+sdf /x]sf] df}Hbft 0 591,450,080 – 198,957,118 –g]kfn ;/sf/sf] C)fkqdf ul/Psf] nufgL 0 – – – –g]kfn /fi^« a}+s C)fkqdf ul/Psf] nufgL 0 50,000,000 – – –cfkm\g} d'@tL /;Lbsf] lwtf]df k")f{ ;'/lIft x'g] u/L k|bfg ul/Psf] d'@tL /;Lb lwtf] shf{

0 67,676,879 – 27,292,529 –

;/sf/L C)fkqsf]] lwtf]df k")f{ ;'/lIft x'g] u/L k|bfg ul/Psf] shf{ 0 – – – –art kqsf] kfpg' kg]{ Aofh /sd (Accrued Interest) 0 – – – –ljkGg ju{ shf{ cGtu{t u)fgf x'g] o'jf tyf ;fgf Joj;foL :j/f]huf/ sf]ifdf ævÆ / æuÆ ju{sf Ohfhtkqk|fKt ;+:yfn] hDdf u/]sf] /sd

0 2,352,191 –

:jb]zL a}+s tyf ljQLo ;+:yfx¿df /x]sf] df}Hbft÷d'@lt /l;bsf] bfjL (Claims) 20 66,234,808 13,246,962 2,872,246 574,449cGo Ohfhtkq k|fKt a}+s÷ljQLo ;+:yfsf] d'@tL /l;bsf] lwtf]df k")f{ ;'/lIft x'g]

20 – – – –

u/L k|bfg ul/Psf] d'@tL /;Lb lwtf] shf{ – –ljb]zL a}+sx¿df /x]sf] df}Hbft 20 – – – –dfu]sf] avt k|fKt x'g] /sd (Money at Call) 20 1,108,321,325 221,664,265 760,962,832 152,192,566cGt/f{li^«o >])fLs[t (Rated) a}+ssf] Uof/])^Ldf uPsf] shf{ 20 – – – –cGt/f{li^«o >])fLs[t (Rated) a}+ssf] Uof/])^Ldf uPsf] cGo nufgL 20 – – – –cGt/ a}+s ;fk^L 20 –z]o/, l*a]~r/ Pj+ a)*df ePsf] nufgL 100 16,996,480 16,996,480 1,100,000 1,100,000cGo nufgLx¿ 100 –shf{, ;fk^ tyf ljN; vl/b÷l*:sfp)^ -s'n /sd_ 100 5,913,144,759 5,913,144,759 2,534,241,035 2,534,241,035l:y/ ;DklQx¿ 100 74,423,893 74,423,893 39,564,375 39,564,375kfpg' kg]{ cGo v'b Aofh /sd 100 – – – –cGo ;j} ;DklQx¿ -v'b clu|d s/ bflvnf afx]s_ 100 9,606,458 9,606,458 7,930,800 7,930,800;Ldf gf#]sf] l/on :^]^÷cfjf;Lo #/ shf{ 150-s_ hDdf 8,036,804,127 6,249,082,816 3,622,925,179 2,735,603,225jf;nft jflx/sf] sf/f]jf/ (Off-balance sheet Items)ljN; sn]S;g 0 – – – –clu|d ljb]zL ljlgdo ;Demf}tf 10 – – – –6 dlxgf eGbf sd cjlwsf] k|lttkq -k'/} /sd_ 20 – – – –cGt/f+li^«o >])FLs[t (Rated) ljb]zL j}+ssf] sfp)^/ Uof/])^Ldf hf/L ul/Psf] Uof/])^L

20 – – – –

6 dlxgf eGbf al( cjlwsf] k|lttkq -k'/} /sd_ 50 – – – –lj*a)*, k/km/d]G; a)* / k|Tofe"lt (Underwriting) ;DjGwL k|ltj$tf 50 8,350,000 4,175,000 11,350,000 5,675,000k'gM vl/b ug]{ zt{df laqmL u/]sf] shf{ 50 – – – –clu|d e'QmfgL Uof/])^L (Advance payment Guarantee) 100 – – – –ljQLo tyf cGo hdfgt (Financial and other Guarantee) 100 – – – –ckl/jTo{ shf{ k|lta$tf (Irrevocable Loan Commitment) 100 277,047,525 277,047,525 136,865,164 136,865,164cfos/ jfkt ;Defljt bfloTj 100 – – – –Acceptance ;lxt cGo ;j} k|sf/sf ;Defljt bfloTjx¿ 100 – – – –k"gM l*:sfpG^ ul/Psf ljnx¿ 100 – – – –r'Qmf jf e'Qmfg x'g af“sL z]o/ nufgL 100 – – – –e'QmfgLsf nflu bfjL k/]sf] hdfgt (Unpaid Guarantee Claims) 200 – – – –;+:yfpk/ bfjL k/]sf] t/ ;+:yfn] bfloTj :jLsf/ gu/]sf] ;Defljt bfloTjx¿ 200 – – – –-v_ hDdf 285,397,525 281,222,525 148,215,164 142,540,164;~rfng hf]lvd jfkt sfod ug'{kg]{ /sd -u_ 100 401,840,206 401,840,206 181,146,259 181,146,259s'n hf]lvd efl/t ;DklQ -s_±-v_±-u_ 8,724,041,858 6,932,145,547 3,952,286,601 3,059,289,647



1. 1 RISK WEIGHTED EXPOSURES Current Period Previous Period

a Risk Weighted Exposure for Credit Risk 5,558,002.45 b Risk Weighted Exposure for Operational Risk 310,889.78 c Risk Weighted Exposure for Market Risk 5.16

Total Risk Weighted Exposures (Before adjustments of Pillar II) 5,868,897.38 - Adjustments under Pillar IISRP 6.4a (5) ALM policies & practices are not satisfactory, add 1% of net interest income to RWE - SRP 6.4a (6) Add .....% of the total deposit due to insufficient Liquid Assets - SRP 6.4a (7) Add RWE equvalent to reciprocal of capital charge of 2-5% of gross income - SRP 6.4a (9) If overall risk management policies and precedures are not satisfactory. Add ....% of RWE - SRP 6.4a (10) If desired level of disclosure requirement has not been achieved, Add .....% of RWE - Total Risk Weighted Exposures (After Bank's adjustments of Pillar II) 5,868,897.38 -

1.2 CAPITAL Current Period Previous Period

(A) Core Capital (Tier 1) 934,266.67 - a Paid up Equity Share Capital 661,604.87 b Irredeemable Non-cumulative preference shares c Share Premium d Proposed Bonus Equity Shares 142,774.33 e Statutory General Reserves 139,908.50 f Retained Earnings 25.37 g Un-audited current year cumulative profit/(loss) h Capital Redemption Reserve i Capital Adjustment Reserve j Dividend Equalization Reserves k Deferred Tax Reservel Other Free Reserve

m Less: Goodwill n Less: Fictitious Assetso Less: Investment in equity in licensed Financial Institutions p Less: Investment in equity of institutions with financial interests q Less: Investment in equity of institutions in excess of limits r Less: Investments arising out of underwriting commitments s Less: Reciprocal crossholdings t Less: Purchase of land & building in excess of limit and unutilized 10,046.40 u Less: Other Deductions

Adjustments under Pillar IISRP 6.4a(1) Less: Shortfall in Provision - SRP 6.4a(2) Less: Loans & Facilities extended to related parties and restricted lending - (B) Supplementary Capital (Tier 2) 63,830.15 -

a Cumulative and/or Redeemable Preference Share b Subordinated Term Debt c Hybrid Capital Instruments d General loan loss provision 62,510.27 e Exchange Equalization Reserve 1.95 f Investment Adjustment Reserve 1,317.93 g Assets Revaluation Reserve h Other Reserves

Total Capital Fund (Tier I and Tier II) 998,096.83 -

1.3 CAPITAL ADEQUACY RATIOS Current Period Previous Period

Tier 1 Capital to Total Risk Weighted Exposures (After Bank's adjustments of Pillar II) 15.92% 0.00% Tier 1 and Tier 2 Capital to Total Risk Weighted Exposures(After Bank's adjustments of Pillar II) 17.01% 0.00%

CAPITAL ADEQUACY TABLE AT THE MONTH END OF ASHADH, 2073 UNDER BASEL II(Rs. in '000)



k|d'v ;'rsf+°ljut % jif{sf] kl/;"rsx¿

cg';"rL $=#!

ljj/)f ;"rsf+°cf=j=

2068÷69

cf=j=

2069÷70

cf=j=

2070÷71

cf=j=

2071÷72

cf=j=

2072÷73

1= v'b gfkmf÷s'n cfDbfgL k|ltzt k|ltzt 15=87 17=70 19=24 22=42 24=06

2= k|lt z]o/ cfDbfgL ?= 17=94 25=01 27=52 29=22 37=74

3= k|lt z]o/ ahf/ d"No ?= 108 126 340 337 –

4= d"No cfDbfgL cg'kft (PE Ratio) cg'kft 6=02 5=04 12=35 11=54 –

5= z]o/ k'“hLdf nfef+z -af]g; ;lxt_ k|ltzt 15 15 21 22=6 21=58

6= z]o/ k'“hLdf gub nfef+z e'QmfgL k|ltzt 15 6 1=11 1=19 –

7= Jofh cfDbfgL÷shf{ tyf ;fk^ k|ltzt 18=02 14=32 14=45 12=89 6=71

8= sd{rf/L vr{÷s'n ;~rfng vr{ k|ltzt 7=81 9=58 10=65 11=89 12=41

9= s'n lgIf]k tyf ;fk^Ldf Jofh vr{ k|ltzt 8=84 7=29 6=50 5=35 2=81

10= ;^xL #^a( cfDbfgL÷s'n cfDbfgL k|ltzt

11= sd{rf/L af]g;÷s'n sd{rf/L vr{ k|ltzt 38=73 38=07 37=99 43=49 46=85

12= v'b gfkmf÷shf{ ;fk^ k|ltzt 3=10 2=77 3=02 3=17 1=76

13= v'b gfkmf÷s'n ;DklQ cg'kft 0=02 2=08 2=09 2=27 1=32

14= s'n shf{÷lgIf]k k|ltzt 78=12 86=11 78=74 81=51 86=64

15= s'n ;~rfng vr{÷s'n ;DklQ k|ltzt 9=47 8=16 7=45 6=26 3=35

16= hf]lvd efl/t ;DklQdf k"hLsf]ifsf] kof{Kttf

s= k|fylds k'“hL k|ltzt 16=36 11=96 12=83 12=63 13=30

v= k"/s k'“hL k|ltzt 0=98 0=92 0=94 0=93 0=95

u= s'n k'“hL sf]if k|ltzt 17=35 12=88 13=76 13=57 14=25

17= t/ntf cg'kft 5=30 5=62 5=34 6=33 8=71

18= lgis[o shf{÷s'n shf{ k|ltzt 0=07 0=18 0=17 0=29 1=03

19= Jofh b/ cGt/ (Weighted Average Interest Rate Spread)

6=63 7=25 7=17 6=87 6=95

20= a's g]^jy{ ?= 221,245,064.98 259,268,316.70 320,029,415.74 398,024,785.08 945,632,957.36

21= s'n z]o/ ;+Vof 2,000,000 2,300,000 2,783,000 3,411,958 8,043,792

22= s'n sd{rf/L ;+Vof 51 67 75 79 147

23= cGo



k|d'v n]vfgLltx¿

cg';"rL – 4=32

ljQLo ;+:yfn] ckgfPsf] k|d'v n]vf gLltx¿ lgDgfg';f/ /x]sf %g\ .

1= ;fdfGo hfgsf/L

sfdgf ljsf; a}+s lnld^]* g]kfndf :yflkt Ps ;Lldt bfloTj ePsf] sDkgL xf] . o;sf] /lhi^*{ -s]Gb|Lo_ sfof{no ;[hgfrf]s, kf]v/f pkdxfgu/kflnsfdf /x]sf] % . ‘v' ju{sf ljQLo ;+:yfsf] ¿kdf sfo{/t o; sDkgLsf] PSsfO; zfvf /x]sf] % .

a}+ssf] ;~rfns ;ldltsf] ldlt 2073.09.4 df a;]sf] a}&saf^ ;+nUg ljQLo ljj/)fx¿ kfl/t ePsf] lyof] . g]kfn n]vfdfg cg'¿k oyfy{ / plrt lrq)f ug]{ ljQLo ljj/)fx¿ tof/ Pj+ k|:t't ug]{ lhDd]jf/L Joj:yfkgdf /x]sf] % .

2= ljQLo ljj/)fx¿sf] cfwf/ M

a}+ssf] ljQLo ljj/)fx¿ P]ltxfl;s d"No cawf/)ffsf] cfwf/df ;j{dfGo n]vf l;$fGt, a}+lsª Aoj;fodf k|rlnt n]vfgLlt g]kfn n]vfdfg (NAS) nfO{ cfwf/ lnO{ g]kfn /fi^« a}+ssf] lgb]{zg / a}s tyf ljQLo ;+:yf ;DaGwL P]g 2063 cg';f/ tof/ ul/Psf %g\ . a}+sn] ckgfPsf] k|d'v n]vfgLltx¿ b]xfo adf]lhd %g\ .

3= l:y/ ;DklQ / x|f;s \̂^L M

l:y/ ;DklQnfO vl/b÷lgdf{)f ubf{ nfu]sf] d"Nodf / ;f] ;+u ;DjlGwt cGo vr{x¿ ;dfj]; ul/ x'g cfpg] d"Nodf b]vfOPsf] % . ;DklQsf] x|f; s^\^L Joj:yfkgn] tf]s]sf] b/ / Written Down Value sf] cfwf/df ul/Psf] % .

l:y/ ;DklQ x|f; b/ k|ltztdf

k/Ljxg ;fwg 20.00

sfof{no ;fdfg 25.00

cGo 15.00

4= cfos/ Joj:yf gLlt M

cfos/ P]g, 2058 tyf cfos/ lgodfjnL, 2059 adf]lhd :jo+s/ lgwf{/)faf^ lgwf{l/t s/of]Uo cfodf 30 k|ltztn] x'g] /sd cfos/ jfkt Joj:yf ul/Psf] % . a}+sn] u/]sf] cfos/ Joj:yf ;DalGwt /fhZj sfof{noaf^ clGtd s/ lgwf{/)f x'bf #^a( ePdf To:tf] km/s /sdnfO{ ;f]xL jif{ cfjZostfg';f/ n]vf+sg ul/g] % .

g]kfn n]vfdfg 9 cg';f/ ;DklQ tyf bfloTjsf] cfwf/df :yug ul/Psf] s/sf] n]vf~sg ul/Ps]f % . ljQLo ljj/)f cg';f/ ;DklQ tyf bfloTjsf] /sd tyf s/sf cfwf/ aLr km/s eO{ ;[hgf x'g] c:yfO{ cGt/ (Temporary Difference) sf] sf/)fn] eljiodf ;[hgf x'g] s/ bfloTj tyf ;DklQsf] nfut /fVg] p@]Zon] :yug s/sf] n]vf+sg ul/Psf] % . g]kfn n]vfdfg tyf g]kfn /fi^« a}ssf] lgb]{lzsfn] lglb{i^ u/] adf]lhd ljQLo ljj/)fdf :yug s/ ;DklQ tyf bfloTjnfO{ ;dfof]hg (Netted Off) u/L ;f]xL cg';f/ jf;nftdf :yug cfos/ ;DklQ tyf bfloTj cGtu{t n]vf°sg ug]{ gLlt lnOPsf] % . :yug s/ ;DaGwL pk/f]St n]vf°sg lqmofsnfksf sf/)f ;DklQ ;[hgf ePdf ;f] /sd gfkmf gf]S;fg af“*kmf“* lx;fjdf vr{ n]vL :yug s/ hu]*f sf]if v*f ug{'sf ;fy} ;f] sf]ifsf] /sd :yug s/ afx]s cGo k|of]hgsf nflu k|of]u gug]{ gLlt /x]sf] % .



5= nufgL ;DaGwL gLlt M

lwtf]kq ljlgdo ahf/df ;'lrs[t ePsf z]o/ tyf aG*df ePsf] nufgLnfO{ ahf/ d"No tyf vl/b d"No h'g sd % ;f]xL cg';f/ ;dfof]hg u/L d"No sfod ul/Psf] % .

lwtf]kq ljlgdo ahf/df ;'lrs[t gePsf] z]o/df ul/Psf] nufgLnfO{ nfut d"Nodf d"Nof+sg u/L ;f]xL cg';f/ b]vfO{g] gLlt ckgfOPsf] % .

g]kfn /fi^« j}+ssf] lgb]{zg adf]lhd ahf/ d"No vl/b d"No eGbf sd ePdf km/s /sdnfO{ Joj:yf ug]{ gLlt lnPsf] % . g]kfn /fi^« a}sn] tf]s]sf] cjlw;Dddf klg ;'lrs[t gePsf sDkgLsf] z]o/df ePsf] nufgLnfO{ nufgL ;dfof]hg sf]if

v*f u/L cfjZos /sd gfkmf gf]S;fg vftf jf^ jf+*kmf+* ug]{ gLlt /x]sf] % .

cGo nufgLnfO{ nfut cyjf ahf/ d"No dWo] sd /sddf d"Nof+sg u/L ;f]xL cg';f/ b]vfOg] gLlt ckgfOPsf] % .

6= u}/ a}+lsª ;DklQsf] n]vf+sg gLlt M

c;'n x'g g;s]sf] shf{sf] ;'/If)fsf] ¿kdf /x]sf] ;DklQnfO{ shf{ c;'nLsf] qmddf sDkgLn] ;sf/ ubf{ To;nfO{ u}/ a}+lsª ;DklQdf b]vfpg] u/]sf] % . lwtf] ;sf/ ubf{ lwtf]df /x]sf] ;DklQsf] ahf/ d"NonfO{ Wofgdf /flv s'n jSof}tf -Jofh /sd ;d]t_ shf{ /sd jf ahf/ d"Nodf h'g sd x'G% ;f]xL d"Nodf ;sf/ ug]{ lglt /x]sf] % . g]kfn /fi^« a}+sn] lbPsf] lgb]{zg adf]lhd oL ;DklQsf] gf]S;flg Joj:yf ug]{ / o:tf] Joj:yf /sdnfO{ ;f]xL ;DklQaf^ Go'g u/L b]vfpg] lglt ckgfPsf] % .

7 k“'hLs[t gul/g] ;DklQx¿ ;DaGwL n]vf°g gLlt M

?=5,000 -kf+r xhf/_ cyjf ;f] eGbf sd nfutsf] l:y/;DklQ vl/bnfO{ vl/bu/]sf] jif{dfg} cfout (Revenue) vr{ dfgL ckn]vg ug]{ gLlt /x]sf] % .

8= cfDbfgL÷vr{ n]vf+sg gLlt M

Aofh u)fgfsf] cfwf/ M Aofh lbg'kg]{ lgIf]k / ;fk^L vftfx¿df Aofh lb+bf / shf{ ;fk^df Aofh ln“bf 365 lbgsf] Ps jif{sf] cfwf/ dfgL u)fgf ug]{ gLlt /x]s]f % . To:t} nufgLdf kfpg] AofhnfO{ ;d]t 365 lbgsf] Ps jif{s]f cfwf/ dflg u)fgf ug]{ gLlt /x]s]f % .

shf{df Aofh cfDbfgL M g]kfn /fi^« a+}såf/f hf/L lgb]{zgx¿ cg"¿kg} shf{ tyf ;fk^df k|fKt AofhnfO{ gub k|flKtsf] cfwf/df n]vf+sg ug]{ gLlt lnOPsf] % . gub k|flKtsf cfwf/df Aofh cfDbfgL hgfpg] of] gLlt g]kfn n]vfdfg –07 Revenue ;“u ;fdfGh:o %}g .

sldzg cfDbfgL M sldzg cfDbfgLnfO{ gub k|flKtsf] cfwf/df k|fKt u/]sf] jif{dfg} cfDbfgL hgfpg] gLlt /x]s]f % .

Aofh tyf cGo vr{ M Aofh ltg'{kg]{ lgIf]k bfloTj tyf shf{ ;fk^df ltg'{kg]{ Aofh /sdnfO{ cflh{t cfwf/df (Accrual Basis) n]vf+sg ul/Psf] % .

nufgLdf AofhM nufgLaf^ ePsf] Aofh cfDbfgLnfO{ cflh{t cfwf/df (Accrual Basis) n]vf+sg ug]{ gLlt ckgfOPsf] % .

9= ;Defljt shf{ gf]S;fgL Joj:yf tyf c;'nL x'g g;Sg] shf{x¿sf] ckn]vg gLltM

shf{, ;fk^ tyf ljn vl/bnfO{ g]kfn /fi^« a}++saf^ hf/L lgb]{zg adf]lhd juL{s/)f ul/Psf] % . shf{ ;fk^ tyf ljn

vl/bnfO{ jf;nftdf ;Defljt gf]S;fgL Aoj:yf kl%sf] v'b d"Nodf b]vfOPsf] % .

shf{ ;fk^sf] ckn]vg g]kfn /fi^« a}+saf^ hf/L lgb]{zg Pj+ a}+ssf] shf{ ckn]vg gLltdf Aoj:yf eP adf]lhd ug]{ gLlt

ckgfOPsf] % .



10= cGo gLltx¿ M

1= k/ ;fl/Psf vr{x¿

• sDko'^/ ;km\^j]o/df ePsf] vr{nfO{ k'“hLs[t u/L 5 jif{ ;Dddf ckn]vg ug]{ gLlt ckgfOPsf]% .

• lnhxf]N* ljsf; vr{nfO{ k'“hLs[t u/L 10 jif{ ;Dddf ckn]vg ug]{ gLlt ckgfOPsf] % .

2= sd{rf/L ljbf M

sDkgLsf] sd{rf/Lsf] ;f]w egf{ lng ;lsg] ljbfsf] /sdnfO{ kfs]sf] cfwf/df (Accural Basis) n]vf+sg ul/Psf]

% .

3= sd{rf/L ;+rosf]if M

sd{rf/L ;+rosf]ifdf ;+:yfn] lbg] yk /sd dfl;s ¿kdf ;+:yfsf] gfkmf gf]S;fg lx;fadf vr{ n]vL n]vf+sg ug]{ u/]sf] % . ;+:yfaf^ k|bfg ul/g] yk /sd tyf sd{rf/Laf^ s§f x'g] /sdsf] hf]*nfO{ gful/s nufgL sf]ifdf %'^} vftfdf hDdf ug]{ Aoj:yf % .

4= sd{rf/L af]g;

sd{rf/L af]g;, af]g; P]g 2030 adf]lhd u)fgf ug]{ ul/Psf] % .



n]vf;Fu ;DalGwt l6Kk0fLx¿cg';"rL – 4=33

1= cfly{s jif{df k|jfx, c;'nL / ckn]vg ul/Psf] ;f“jfsf] ljj/)f o; k|sf/ /x]sf] % .


;'? df}Hbft 2,561,533,563.53 2,098,363,306.05

s'n shf{ k|jfx 6,908,183,230.00 1,765,385,250.00

s'n shf{ c;'nL 3,486,542,965.23 1,302,214,992.52

s'n shf{ ckn]vg – –

clGtd df}Hbft 5,983,173,828.30 2,561,533,563.53

2= lgIf]k bfloTj cGtu{t k|To]s lzif{sdf jif{ el/df kl/jt{g ePsf] /sdsf] ;+lIfKt ljj/)f M

qm=;+= lgIf]k ljj/)f o; jif{ ?= ut jif{ ?= j[l$÷-sdL_ ∞

1 rNtL lgIf]k 76,159,065.17 43,635,293.39 74.54

2 jrt lgIf]k 3,582,429,200.49 1,832,057,040.05 95.54

3 d'$tL lgIf]k 1,872,012,429.75 780,322,064.44 139.90

4 sn lgIf]k 1,375,540,665.16 486,472,496.67 182.76

hDdf ?= 6,906,141,360.57 3,142,486,894.55 119.77

3= lgIf]k / shf{sf] efl/t cf}ift Aofh b/sf] cGt/ o;k|sf/ % M shf{ tyf ;fk^Ldf 12=18 k|ltzt lgIf]k bfloTjdf 5=23 k|ltzt

cGt/ 6=95 k|ltzt

4= ckn]vg x'g af“sL vr{sf] ljj/)f o; k|sf/ /x]sf] % .

qm=;+ ljj/)f ut jif{ o; jif{ yk o; jif{ ckn]vg af“sL ?=

1 z]o/ lgZsf;g vr{ 552,138.10 – 552,138.10 –

2 sDk'^/ ;km\^j]o/ vr{ 1,279,964.00 1,530,960.34 384,468.00 2,426,456.34

5= sf]ifdf cfwfl/t tyf u}/ sf]ifdf cfwfl/t s'g} Ps AolQm, kmd{, sDkgL jf ;+ul&t ;+:yfnfO{ k|bfg u/]sf] shf{ tyf ;fk^ g]kfn /fi^« a}+sn] tf]s]sf] l;df leq /x]sf] % . If]qut shf{df e'QmfgL ePsf] shf{ dWo] s'g} Ps If]qdf k|bfg ul/Psf] shf{ k|fylds k'“hL eGbf a(L ePdf ;f] nfO{ ;~rfns ;ldltsf] cg'df]bg k|fKt ug]{ u/]sf] % .



6= ;DklQ tyf bfloTjsf] e'QmfgL calwsf] cfwf/df auL{s/)f o; k|sf/ % M?= xhf/df

1–90

lbg

91–180

lbg

181–270

lbg

271– 365

lbg

1 jif{ eGbf

j(Ls'n /sd

;DklQ 136,597.25 136597.25

gub df}Hbft 766,006.22

a}+s tyf ljQLo ;+:yf df}Hbft 766,006.22

ljb]zL a}+sdf ul/Psf] nufgL

g]kfn ;/sf/sf] C)fkq

g]kfn /fi^« j}+ssf]] C)fkq

cGt/ a+}s tyf ljQLo ;+:yf shf{

119,663.48 299,158.69 777,812.60 1,196,634.77 3,589,904.30 5,983,173.83

shf{ ;fk^ 47,610.73 47,610.73

Kffpg' kg]{ Aofh

l/e;{ l/kf]

cGo 2,069,877.68 299,158.69 777,812.60 1,196,634.77 3,589,904.30 7,933,388.03

s'n ;DklQ

bfloTj

rNtL lgIf]k 50,149.06 26,010.00 76,159.06

jrt lgIf]k 489,825.49 734,738.23 1,714,389.20 1,224,563.72 794,453.23 4,957,969.87

d'@tL lgIf]k 55,203.30 124,363.80 4,137.00 1,280,649.90 407,658.43 1,872,012.43

C)fkqx¿

;fk^LM

dfu÷cNk ;'rgf

cGt/ a}+s÷ljQLo ;+:yf

k'g/shf{

cGo 62,282.77 1,874.23 64,157.00

;G*««L s|]*L^;{ 19,566.16 19,566.16

e'QmfgL lbg'kg]{ ljn 223.35 223.35

e'QmfgL lbg'kg]{ Aofh 25,124.97 25,124.97

cGo 17,368.29 1,874.23 19,242.52

s'n bfloTj 656,074.63 859,102.03 1,718,526.20 2,505,213.62 1,229,995.89 6,970,298.37

v'b ljQLo ;DklQ 1,412,417.06 -559,943.34_ -940,713.60_ -1,308,578.85_ 2,359,908.40 963,089.67

;l~rt v'b ljQLo ;DklQ 1,412,417.06 852,473.72 -88,239.89_ -1,396,818.74_ 963,089.67 –

7= ;'/lIft C)f M

a}+sn] o; cfly{s jif{df ;DklQ lwtf] /fvL shf{ lnPsf] %}g .

8= a}+sn] o; cfly{s jif{df u}/ a}+lsª ;DklQ ;sf/]sf] %}g .



9= r'Qmf k'“hL dWo] clu|d e'QmfgL k|fKt (Paid in Advance), e'QmfgL k|fKt x'g af“sL (Calls in Arrears) /x]sf] %}g tyf s'g}

z]o/ hkmt ul/Psf] %}g .

10= lnhxf]N* ;DklQ M

lnhxf]N* ;DklQsf] ljj/)f lgDg adf]lhd % .

qm=;+ ljj/)f ut jif{ o; jif{ yk o; jif{ ckn]vg af“sL ?=

1 lnhxf]N* ;DklQ 6,283,533.19 9,948,498.66 1,152,908.28 15,079,123.56

11= sd{rf/L cfjf; tyf sd{rf/L jf]g; Joj:yf M

>d P]g 2048 jdf]lhd sd{rf/L cfjf; Joj:yfdf /sd %'^\ofOPsf] %}g . af]g; P]g 2030 sf] Aoj:Yff cg';f/ s/ Aoj:yf cl#sf] v'b gfkmfsf] 10 k|ltztn] x'g] ?=15,459,914.61 -ut jif{ ?= 11,626,379.66_ sd{rf/L af]g;af^ vr{ Aoj:yf u/]sf] % .

12= ;fwf/)f hu]*f sf]if

a}+s tyf ljQLo ;+:yf ;DaGwL P]g 2063 sf] Joj:yf cg';f/ v'b gfkmfsf] 20 k|ltztn] x'g] ?= 21,004,575.73 -ut jif{ ?= 16,261,134.92_ ;fwf/)f hu]*f sf]ifdf ;f/]sf] % .

13= g]kfn n]vfdfg (NAS 9) cg';f/ o; cfj= df clws ePsf] k/;fl/Psf] cfos/ bfloTj ? 999,293.59 nfO{ gfkmf gf]S;fg lx;fjdf vr{ n]lvPsf] % . k/;fl/Psf] cfos/ bfloTjsf] la:t[t ljj/)F laQLo ljj/)fdf ;+NfUg ul/Psf] % .

14= k/ ;fl/Psf] s/ bfloTjsf] laj/)f lgDg adf]lhd %g\ M

ljj/)f cfiff( 31, 2073 df

k/ ;fl/Psf] s/ bfloTj (Deferred Tax Liabilities)l:y/ ;DklQdf

3,465,887

sDKo'^/ ;km\^j]o/ 108,269

s'n k/ ;fl/Psf] s/ bfloTj (Total Deferred Tax Liabilities) 3,574,156

k/ ;fl/Psf] s/ ;DkQL (Deferred Tax Assets)

pkbfg 1,054,128

ljbf jfktsf] /sd 1,455,413

cGo ;DklQdf ul/Psf] Joj:yf 163,785

s'n k/ ;fl/Psf] s/ ;DklQ (Total Deferred Tax Assets) 2,673,326

v'b k/ ;fl/Psf] s/ bfloTj (Net Deferred Tax Liabilities) 900,830



15= cfos/ u)fgf k|of]hgsf] nflu lgwf{l/t cfo tyf ljQLo ljj/)f cg';f/sf] gfkmfsf]] cGt/ ;DaGw lgDg adf]lhd % M

ljj/)f /sd

n]vf cg';f/sf] gfkmf (Accounting Profit) 154,599,146.06

lgwf{l/t s/sf] b/ 30 ∞ n] x'g] /sd

s/ of]Uo cfo lgwf{/)f ubf{ bfjL ug{ gkfpg] vr{÷;dfj]z ug{ gkg]{ cfosf] ;dfof]hgjf^ s/df kg]{ km/s /sd

46,379,743.82

rGbf 26,099.59

z]o/ lgZsf;g vr{ 165,641.43

nfef+z -59,850.00_

cGo ;dofGt/df ePsf] kl/jt{gbkmf 118 sf] Aofh

2,279,780.75 375,374

hDdf s/ vr{ 49,166,789.59

rfn' cfos/ 48,167,496.00

:yug s/ vr{÷-cfDbfgL_ 999,293.59

hDdf 49,166,789.59

16= cfos/ Joj:yf

cfos/ P]g 2058 tyf ;f] P]g cGtu{t ag]sf] lgod cg';f/ :jo+s/ lgw{f/)f cg';f/ sfod ePsf] s/ of]Uo cfosf] cfwf/df cfos/ u)fgf u/L o; jif{ cfos/ jfkt ?= 48,167,496.00 -ut jif{ ?= 35,057,210.00_ lx;fadf Aoj:yf u/]sf] % .

cf=j= 2069.70 sf] cfos/ lgwf{/)f cGtu{t &'nf s/bftf sfof{non] u/]sf] ;+;f]lwt s/ lgwf{/)faf^ sDkgLnfO{ >[hgf ePsf] yk s/, Aofh / hl/jfgf jfktsf] bfloTj ?= 409,477.79 o; cf=j= 2072.73 df km%\of}{^ u/L sDkgLsf] gfkmf gf]S;fg lx;fjdf vr{ n]lVf lx;fa ldnfg ul/Psf] % .

17= k|:tfljt jf]g; z]o/ tyf gub nfef+z M

z]o/ k'“hLsf] 21.58∞ n] x'g cfpg] ?= 142,774,330.91 af]gz z]o/sf] ¿kdf ljt/)f ug{ k|:tfljt ul/Psf] % . pQm af]gz z]o/ g]kfn /fi^« a}+saf^ :jLs[t eO{ ;fwf/)f ;efaf^ kfl/t eP kZrft dfq ljt/)f x'g]% .

18= ;DjlGwt kf^L{ (Related Party) ;DaGwL pb\#f]if)f g]kfn n]vfdfg 16 (Nepal Accounting Standard-16) cg';f/ lgDgfg';f/nfO{ ;DalGwt kIf elg kl/eflift ul/Psf] % M

19= Joj:yfkgdf /x]sf k|d'v JolQmx¿ (Key Mangement Persons) Joj:yfkgDFF /x]sf k|d'v JolQmsf] ljj/)f lgDgfg';f/ /x]sf] % . ! >L /fh]Gb|lglw sf]O/fnf cWoIf @= >L rt'/fv/ clwsf/L ;~rfns #= >L dbg zdf{ vgfn ;~rfns $= >L >L/fd kf08] ;~rfns %= >L /fdsfhL >]i7 ;~rfns ^= >L ;'bLk cfrfo{ ;~rfns &= >L an/fd a/fn ;~rfns *= >L /fds'df/ lkof ;~rfns (= >L tf]o/fh clwsf/L k|d'v sfo{sf/L clws[t



20= a}+s tyf ;DalGwt JolQmx¿jLr ePsf] sf/f]af/sf] lgldQ o; jif{ lgDg vr{x¿ e'QmfgL ul/Psf] %

l;=g+=

Gffd Kfbtna eQf / cGo

;~rfns eQf

n]vf tyf cGo ;ldlt eQf

hDdf /sd

1 >L /fh]Gb|lglw sf]O/fnf cWoIf (),))) (),)))

@ >L rt'/fv/ clwsf/L ;~rfns ^$,))) ^$,)))

# >L v]dgfy e§/fO{ ;~rfns ^*,))) ^*,)))

$ >L b]js[i0f sfkm\n] ;~rfns &@,))) !@,))) *$,)))

% >L lai0f'/fh k/fh'nL ;~rfns &@,))) *,))) *),)))

^ >L /fdsfhL >]i7 ;~rfns #@,))) $,))) #^,)))

& >L /fds'df/ lkof ;~rfns &@,))) &@,)))

* >L b]jfg u'?Ë ;~rfns *,))) *,)))

( >L dbg zdf{ vgfn ;~rfns !@,))) !@,)))

!) >L >L/fd kf08] ;~rfns !@,))) !@,)))

!! >L ;'bLk cfrfo{ ;~rfns !@,))) !@,)))

!@ >L an/fd a/fn ;~rfns !@,))) !@,)))

!# >L tf]o/fh clwsf/L k|=sf=clws[t @,!$,&)(

!$ >L pd]z s'df/ cfrfo{ Gffoj k|=sf=clws[t

@&,*^,)))

hDdf /sd #),)),&)( %,@^,))) @$,))) #%,%),&)(

21= ldlt 2073 cfiff( 06 df sf:sL kmfOgfG; lnld^]*sf] ;Dk')f{ ;DkQL tyf bfloTj o; ljsf; a}+sdf uflePsf]n] ldlt 2073

cfiff( 05 ut]sf] sf:sL kmfOgfG; lnld^*sf] ljQLo ljj/)f cg';f/ ;Dk")f{ ;DkQL tyf bfloTjnfO{ o; ljsf; a}+ssf] lx;fjdf ;f/L ljQLo ljj/)fx¿ tof/ ul/Psf] % .

22= o; cf=j= df sf:sL kmfOgfG; lnld^]* o; ljsf; a}+sdf uflePsf] x'gfn] ut jif{sf c+sx¿ o; jif{sf c+sx¿ k')f{¿kdf t"ngfTds %}gg\ .

21= k'g;{d"xs/)f tyf k'gj{lu{s/)f (Regrouping and Reclassification) ut jif{sf] /sdx¿nfO{ cfjZostf cg';f/ k'g/;d"xs/)f tyf k'g/juL{s/)f ul/Psf] % .

=====================/fdrGb| nD;fn

k|d'v n]vf

============================

tf]o/fh clwsf/L

k|d'v sfo{sf/L clws[t

;~rfns

>L /fh]gb|lgwL sf]O{/fnf>L rt'/fv/ clwsf/L>L dbg zdf{ vgfn

>L >L/fd kf)*]>L /fdsfhL >]i&>L ;'bLk cfrfo{>L an/fd a/fn>L /fds'df/ lkof

========================

l;P= g]d nfn cdfTo ;fem]bf/

lg= Pg= cdfTo P)* sDkgL

rf^{*{ PsfpG^]G^;\

dlt M 2073.9.4



;+:yfks÷;+:yfks ;d"xsf z]o/wgLn] cfkm\gf] :jfldTjdf /x]sf] z]o/ cGo a}+s tyf ljQLo ;+:yfdf lwtf] /fvL shf{ lnPsf] ljj/0f

@)&# cfiff9 d;fGtcg';"rL 4=34

qm+=

;+=

;+:yfks /

;+:yfks ;d'x

cGtu{t kg]{

z]o/wgLsf] gfd

;+:yfkssf] :jfldTjdf sfod

/x]sf] z]o/shf{ ljj/)f

s}lkmot

s'n lsQf ;+Vofs'n r"Qmf

k'“hLsf] k|ltzt

shf{ lnPsf] cGo

a}+s/ ljQLo ;+:yfsf]

gfd

shf{ /sd

lwtf]df /x]sf]

z]o/ lsQf

;+Vof

1 >L lbks >]i7 54,469.00 0.82∞ hgtf a}+s lnld6]8 1,680,000.00 28,360.00

2 – – –

3 – – –

4 – – –

5 – – –

6 – – –

7 – – –

8 – – –

9 – – –

10 – – –

11 – – –

12 – – –

13 – – –

14 – – –

15 – – –

hDdf 54,469.00 1,680,000.00 28,360.00



Unaudited Financial Results (Quarterly)As at Forth Quarter (31/03/2073) of the Fiscal Year 2072/2073

cg';"rL 4=35Rs. In ''000

S.N Particulars This Quarter Ending Previous QuarterEnding

Corresponding Previous Year Quarter Ending

1 Total Capital and Liabilities(1.1 to 1.7) 8,039,368 4,152,640 3,622,9251.1 Paid up Capital 661,605 341,196 278,300

Call in Advance1.2 Reserve and Surplus 291,828 122,663 123,1211.3 Debenture and Bond1.4 Borrowings1.5 Deposits (a + b) 6,906,141 3,574,493 3,142,487

a. Domestic Currency 6,906,141 3,574,493 3,142,487b. Foreign Currency

1.6 Income Tax Liability - 28,214 1,9361.7 Other Liabilities 179,794 86,074 77,0822 Total Assets (2.1 to 2.7) 8,039,368 4,152,640 3,622,925

2.1 Cash and Bank Balance 1,902,398 1,217,725 1,012,7962.2 Money at Call and Short Notice - - -2.3 Investments 66,996 1,969 1,1002.4 Loans and Advances 5,983,174 2,847,338 2,561,534

a. Real Estate Loan 586,017 234,211 193,1031. Residental Real Estate Loan (Except personal home Loan upto Rs. 10 Million)2.Business Complex & Residental Apartment Construction Loan3.Income Generating Commercial Complex Loan4. Other Real Estate Loan (including Land Purchase & Ploating) 586,017 234,211 193,103b. Personal Home Loan of Rs. 10 Million or Less 1,149,046 607,878 551,824c. Margin Type Loan 4,934 700 2,248d. Term Loan 1,740,257 690,856 574,125e. Overdraft Loan/TR Loan/WC Loan 1,259,526 694,017 649,899f. Others 1,243,393 619,676 590,334

2.5 Fixed Assets 76,439 37,686 39,5642.6 Non Banking Assets - - -2.7 Other Assets 10,361 47,922 7,931

3 Profit and Loss Account Upto This Quarter Upto Previous Quarter Upto Corresponding Previous Year Quarter

3.1 Interest Income 718,334 259,730 330,2633.2 Interest Expense 370,980 134,434 167,976

A. Net Interest Income (3.1- 3.2) 347,354 125,295 162,2873.3 Fees, Commission and Discount 6,231 3,479 4,8853.4 Other Operating Income 54,318 18,779 24,1853.5 Foreign Exchange Gain / Loss (Net) - - -

B. Total Operating Income ( A.+3.3+3.4+3.5) 407,903 147,553 191,3583.6 Staff Expenses 64,173 21,464 26,7333.7 Other Operating Expenses 64,616 21,422 30,111

C. Operating Profit Before Provision (B.-3.6-3.7) 279,115 104,667 134,5133.8 Provision For Possible Losses 12,489 1,164 9,918

D. Operating Profit (C.-3.8) 266,626 103,503 124,5963.9 Non Operating Income / Expenses (Net) 2,372 (50) 3,305

3.10 Write Back Of Provision For Possible Loss - - -E. Profit From Regular Activities (D.+3.9+3.10) 268,997 103,453 127,901

3.11 Extraordinary Income / Expenses (Net) - - -F. Profit Before Bonus and Taxes (E.+3.11) 268,997 103,453 127,901

3.12 Provision For Staff Bonus 24,454 9,405 11,6273.13 Provision For Tax 73,363 28,214 34,882

G. Net Profit / Loss (F. -3.12-3.13) 171,180 65,834 81,391

4 Ratios At the End of At the End of Previous Quarter

At the End of Corresponding Previous Year Quarter

This Quarter4.1 Capital Fund to RWA 14.53% 13.85% 13.98%4.2 Non Performing Loan (NPL) To Total Loan 0.93% 0.42% 0.29%4.3 Total Loan Loss Provision to Total NPL 154.26% 295.74% 463.53%4.4 Cost of Fund 5.77% 5.30% 5.74%4.5 CD Ratio as per NRB Directive 76.23% 70.70% 72.31%4.6 Interest Rate Spread (As per NRB Directive) 6.86% 6.88% 6.87%4.7 Base Rate 8.18% 7.97%



n]vfkl/If0fk"j{ / n]vfkl/If0f kZrftsf] ljQLo ljj/0fsf] t'ngf cf=a= @)&!÷)&@cg';"rL 4=c

/sd ? xhf/df

ljj/)fn]vfkl/If)fk'j{sf] ljQLo ljj/)f

cg";f/

n]vfkl/If)f kZrftsf] ljQLoljj/)f cg";f/

km/skm/ssf] sf/)f

/sddf ?= k|ltztdf

1 s'n k'“hL tyf bfloTj 8,039,368.00 7,944,979.04 -206,535.57_ -0.03_1=1 r"Qmf k'“hL 661,605 804,379.20 -142,774.33_ -0.22_1=2 hu]*fsf]if tyf gfkmf 291,828 141,253.76 -150,574.17_ -0.52_ due to audit adjustments 1=3 C)fkq tyf aG* – –1=4 ltg{ af“sL shf{{ ;fk^ – – –1=5 lgIf]k bfloTj 6,906,141 6,906,141 0.00 0.00

s= :jb]zL d"b|f 6,906,141 6,906,141 0.00 0.00v= ljb]zL d"b|f – –

1=6 e'QmfgL lbg'kg]{ ljnx¿ – 223.35 -223.35_ – Included in Other Liabilities 1=7 k|:tflat gub nfef+z – –1=8 cfos/ bfloTj – 354.56 -354.56_1=9 cGo bfloTj 179,794 92,626.81 87,167.48 0.48 Due to audit adjustments and LLP 2 s'n ;DklQ 8,039,368.00 7,944,979.04 94,389.41 0.012=1 gub tyf a}+s df}Hbft 1,902,398 794,282.14 1,108,115.53 0.58

2=2 dfu tyf cNk ;"rgfdf k|fKt x'g] /sd 1,108,321.32 -1,108,321.32_Due to inclusion of this amount in cash balance above

2=3 nufgL 66,996 66,996.48 – –2=4 shf{ ;fk^ tyf ljn v/Lb 5,983,174 5,891,348.74 91,825.09 0.02 Due to inclusion of LLP 2=5 l:y/ ;DklQ 76,439 74,423.89 2,015.40 0.032=6 u}/ a}lsª ;DklQ – – – –2=7 cGo ;DklQ 10,361 9,606.46 754.72 0.07 Due to audit adjustments

0.003 gfkmf gf]S;fg lx;fj

3=1 Jofh cfDbfgL 718,334 401,612 316,722.22 0.44Due to inclusion of interest income of Kaski Finance Ltd. in unaudited report.

3=2 Jofh vr{ 370,980 194,351 176,629.24 0.48Due to inclusion of interest expenses of Kaski Finance Ltd. in unaudited report.

s= v'b Jofh cfDbfgL 347,353.65 207,260.67 140,092.98 0.40

3=3 lkm, sldzg tyf l*:sfp)^ 6,230.99 4,281.09 1,949.91 0.31Due to inclusion of expenses of Kaski Finance Ltd. in unaudited report.

3=4 cGo ;Grfng cfDbfgL 54,318.40 28,649.60 25,668.80Due to inclusion of income of Kaski Finance Ltd. in unaudited report.

3=5 ;^xL #^a( cfDbfgL – – –v= s'n ;~rfng cfDbfgL 407,903.05 240,191.36 167,711.69 0.41

3=6 sd{rf/L vr{ 64,172.82 32,996.67 31,176.14 0.49 Due to inclusion of expenses of Kaski Finance Ltd. in unaudited report.

3=7 cGo ;~rfng vr{ 64,615.64 38,524.68 26,090.96 0.40 Due to inclusion of expenses of Kaski Finance Ltd. in unaudited report.

u= ;Defljt gf]S;fgL Joj:yf cl#sf] ;~rfng d'gfkmf 279,114.59 168,670.01 110,444.58 0.40

3=8 ;Defljt gf]S;fgL Joj:yfx¿ 12,489.01 552.17 11,936.84 0.96 Due to inclusion of expenses of Kaski Finance Ltd. in unaudited report.

#= ;~rfng d'gfkmf 266,625.58 168,117.84 98,507.74 0.37

3=9 u}/ ;~rfng cfDbfgL÷gf]S;fg 2,371.65 1,941.22 430.42 Due to inclusion of income of Kaski Finance Ltd. in unaudited report.

3=10 ;Defljt gf]S;fgL Joj:yfaf^ lkmtf{ – – –ª= lgoldt sf/f]jf/af^ ePsf] d'gfkmf 268,997.23 170,059.06 98,938.17 0.373=11 c;fdfGo sf/f]jf/x¿af^ ePsf] d'gfkmf ÷vr{ – – –

r= ;Dk")f{ sf/f]jf/ ;dfj]z kl%sf] v'b d'gfkmf 268,997.23 170,059.06 98,938.17 0.37

3=12 sd{rf/L af]g; Joj:yf 24,454.29 15,459.91 8,994.38 0.37Due to the inclusion of Bonus Provision of Kaski Finance Ltd. in unaudited report.

3=13 cfos/ Joj:yf 73,362.88 49,166.79 24,196.09 0.33 Due to change in provision for tax %= v'b gfkmf÷gf]S;fg 171,180.05 105,432.36 65,747.70 0.38



jflif{s ljQLo ljj/0f k|sfzg ug{ :jLs[lt k|bfg ubf{ g]kfn /fi6« a}+saf6 lbOPsf lgb]{zg pk/ ;~rfns ;ldltsf] k|ltpQ/ M–

!_ shf{ gLltsf] k"0f{ ¿kdf kfngf ul/ cfjZos sfuhft ;+nUg ug'{sf ;fy} ;f] sf] ljZn]if0f kZrft shf{ :jLs[lt÷gljs/0f ug]{ Joj:yf ldnfOPsf] 5 .

@_ ;DkQL z'l4s/0f tyf cft+ssf/L sfo{df ljQLo nufgL lgjf/0f ;DaGwL gLlt tof/ kf/L sfof{Gjogdf NofO{ ;lsPsf] / ;f] ;DaGwL sfo{nfO{ yk k|efjsf/L jgfpg] Joj:yf ldnfOg] 5 .

#_ hf]lvd Joj:yfkg ;ldlt, sd{rf/L ;]jf ;'ljwf ;ldlt / n]vf k/LIf0f ;ldltsf] sfo{nfO{ yk k|efjsf/L jgfOg] 5 .

$_ cfGtl/s n]vfkl/Ifs, jfXo n]vf k/LIfs tyf g]kfn /fi6« a}+sn] cf}+NofPsf s}lkmotx¿ ;'wf/ ug{ / elj:odf ;f]xL k|s[ltsf s}lkmotx¿ gbf]xf]l/g] u/L sfo{ ug{ Joj:yfkgnfO{ lgb]{zg lbOPsf] 5 .

sfdgf ljsf; a}+s lnld6]8sf] k|aGwkqdf k|:tfljt ;+;f]wg ;DaGwL tLg dxn] ljj/0f

bkmf ;fljssf] Joj:yf k|:tfljt ;+;f]wg sf/0f% -s_

-v_

-u=_

ljsf; a}+ssf] clws[t k"FhL ?=! cj{ dfq x'g]5 . ;f] kF"hLnfO{ ?=!)) sf b/sf !,)),)),))).–-Ps s/f]8_ yfg ;fwf/0f z]o/df ljefhg ul/Psf] 5 .

ljsf; a}+ssf] hf/L k"FhL ?=^^ s/f]8 !^ nfv $ xhf/ * ;o ^( / k};f *@ dfq x'g]5 . ;f] kF"hLnfO{ ?=!)) sf b/sf ^^,!^,)$*=&) -5};¶L nfv ;f]x| xhf/ c7rfnL; bzdnj ;Q/L_ yfg ;fwf/0f z]o/df ljefhg ul/Psf] 5 .

ljsf; a}+ssf] r'Qmf k"FhL ?=^^ s/f]8 !^ nfv $ xhf/ * ;o ^( / k};f *@ dfq x'g]5 . ;f] kF"hLnfO{ ?=!)) sf b/sf ^^,!^,)$*=&) -5};¶L nfv ;f]x| xhf/ c7rfnL; bzdnj ;Q/L_ yfg ;fwf/0f z]o/df ljefhg ul/Psf] 5 .

ljsf; a}+ssf] clws[t k"FhL ?=# cj{ dfq x'g]5 . ;f] kF"hLnfO{ ?=!)) sf b/sf #,)),)),))).–-tLg s/f]8_ yfg ;fwf/0f z]o/df ljefhg ul/Psf] 5 .

ljsf; a}+ssf] hf/L k"FhL ?=! cj{ $ s/f]8 %^ nfv (@ xhf/ ( ;o ^) / k};f (% dfq x'g]5 . ;f] kF"hLnfO{ ?=!)) sf b/sf !,)$,%^,(@(=^)-Ps s/f]8 rf/ nfv 5kGg xhf/ gf} ;o pgfGtL; bzdnj ;f7L_ yfg ;fwf/0f z]o/df ljefhg ul/Psf] 5 .

ljsf; a}+ssf] r'Qmf k"FhL ?=! cj{ $ s/f]8 %^ nfv (@ xhf/ ( ;o ^) / k};f (% dfq x'g]5 . ;f] kF"hLnfO{ ?=!)) sf b/sf !,)$,%^,(@(=^)-Ps s/f]8 rf/ nfv 5kGg xhf/ gf} ;o pgfGtL; bzdnj ;f7L_ yfg ;fwf/0f z]o/df ljefhg ul/Psf] 5 .

;do ;fk]If k"FhL a[l4 ug'{ kg]{ ePsf]n] .

jf]g; z]o/ ljt/0f tyf xsk|b z]o/ lgisfzg kZrft k"FhL a[l4 ug'{kg]{ ePsf]n] .

jf]g; z]o/ ljt/0f tyf xsk|b z]o/ lgisfzg kZrft k"FhL a[l4 x'g] ePsf]n] .



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