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Transcript of Inside Cover Page - Capital Market Development Authority · Finance Investment Company Limited...
NOTICE OF 23rd ANNUAL GENERAL MEETING
Notice is hereby given that the 23rd Annual General Meeting of the Shareholders of
Bank of Maldives Plc will be held on Saturday, the 24th June 2006 at 8:30 p.m. at
Dhoshimeynaa Hall, Dharubaaruge, Male', to conclude the following business:-
1. Confirmation of Minutes of the 22nd Annual General Meeting.
2. To receive and adopt the Directors’ Report and the Auditor’s Report.
3. Consideration and adoption of Balance Sheet as at 31st December 2005
and the Income Statement of Bank of Maldives Plc for the year ended
31st December 2005.
4. Confirmation of Dividend payment for the year 2005.
5. Intimation of nomination of the nominee Directors and election of 3
Directors from Public Shareholders in terms of Article 41 of the Articles of
Association.
6. Appointment of Auditors and fixation of their remuneration.
7. Any other issues.
By order of the Board
Serene Ho Oi Khuen
Company Secretary
Dated: 06th June 2006
1
iA
nnua
l Rep
ort
2
Branches / Auditors /Company Secretary
Contacts
Profile
Mission Statement
Our Vision
Highlights
Senior Management Team
Department Managers
Branch Managers
Chairman’s Statement
Board of Directors
The Directors’ Report
Report of the Auditors
Income Statement
Balance Sheet
Statement of Changes in Equity
Cash Flow Statement
Notes to the Financial Statements
Dhivehi Section
CONTENTS
BANK OF MALDIVES PLC - ANNUAL REPORT 2005
3
4 - 5
6 - 7
8
9
10
11
12
13
14 - 15
16 - 17
18 - 34
35
36
37
38
39
40 -59
60 - 117
3
Branches
Bazar Branch, Male’
Dhidhdhoo Branch, Haa Alifu Atoll
Eydhafushi Branch, Baa Atoll
Fonadhoo Branch, Laamu Atoll
Fuvahmulaku Branch, Gnaviyani Atoll
Gan Branch, Seenu Atoll
Hithadhoo Branch, Seenu Atoll
Hulhumale’ Branch, Hulhumale’
Hulhumeedhoo Branch, Seenu Atoll
Kulhudhuffushi Branch, Haa Dhaalu Atoll
Main Branch, Male’
Majeedheemagu Branch, Male’
Male’ International Airport Branch, Hulhule
Muli Branch, Meemu Atoll
Naifaru Branch, Lhaviyani Atoll
Thinadhoo Branch, Gaafu Dhaalu Atoll
Ungoofaaru Branch, Raa Atoll
Villimale’ Branch, Villingili, Male’
Villingili Branch, Gaafu Alifu Atoll
Auditors
PricewaterhouseCoopers
P. O. Box 20124
02 - 03, 2nd Floor
Aage’
12, Boduthakurufaanu Magu
Male’
Republic of Maldives
Company SecretaryMs Serene Ho Oi Khuen
BRANCHES/ AUDITORS/COMPANY SECRETARY
BANK OF MALDIVES PLC - ANNUAL REPORT 2005
4
HEAD OFFICEBank of Maldives Plc
11, Boduthakurufaanu Magu, Male’, 20094,
Republic of Maldives
Company Registry No. C-22/1982
Tel: +(960) 332 2948
Fax: +(960) 332 8233
Swift: MALBMVMV
website: www.bankofmaldives.com.mv
e-mail: [email protected]
Telex: 77030 BANKOM MF
CONTACTS
BANK OF MALDIVES PLC - ANNUAL REPORT 2005
Card Centre
Bank of Maldives Plc
5th Floor, Bank of Maldives Building
11, Boduthakurufaanu Magu
Male’ 20094
Republic of Maldives
Tel: +(960) 333 0200
Fax: +(960) 333 0295
e-mail: [email protected]
Corporate Affairs Department
Bank of Maldives Plc
6th Floor, Bank of Maldives Building
11, Boduthakurufaanu Magu
Male’ 20094
Republic of Maldives
Tel: +(960) 333 0188
Fax: +(960) 333 0185
e-mail: [email protected]
Credit Department
Bank of Maldives Plc
6th Floor, Bank of Maldives Building
11, Boduthakurufaanu Magu
Male’ 20094
Republic of Maldives
Tel: +(960) 333 0152
Fax: +(960) 333 0185
e-mail: [email protected]
Development Banking Cell
Bank of Maldives Plc
2nd Floor, Bank of Maldives Building
11, Boduthakurufaanu Magu
Male’ 20094
Republic of Maldives
Tel: +(960) 333 0162
Fax: +(960) 333 0186
e-mail: [email protected]
Enterprise Banking Department
Bank of Maldives Plc
2nd Floor, Bank of Maldives Building
11, Boduthakurufaanu Magu
Male’ 20094
Republic of Maldives
Tel: +(960) 333 0298
Fax: +(960) 333 0186
e-mail: [email protected]
Finance Department
Bank of Maldives Plc
H. Orchidmaage
Lotus Goalhi
Male’ 20095
Republic of Maldives
Tel: +(960) 333 0132
Fax: +(960) 333 0249
e-mail: [email protected]
Foreign Department
Bank of Maldives Plc
5th Floor, Bank of Maldives Building
11, Boduthakurufaanu Magu
Male’ 20094
Republic of Maldives
Tel: +(960) 333 0156
Fax: +(960) 333 0184
e-mail: [email protected]
Human Resources Department
Bank of Maldives Plc
2nd Floor, Bank of Maldives Building
11, Boduthakurufaanu Magu
Male’ 20094
Republic of Maldives
Tel: +(960) 333 0122
Fax: +(960) 333 0263
e-mail: [email protected]
Information Technology Department
Bank of Maldives Plc
4th Floor, Bank of Maldives Building
11, Boduthakurufaanu Magu
Male’ 20094
Republic of Maldives
Tel: +(960) 333 0110
Fax: +(960) 333 0115
e-mail: [email protected]
Inspection Department
Bank of Maldives Plc
H. Orchidmaage
Lotus Goalhi
Male’ 20095
Republic of Maldives
Tel: +(960) 333 0181
Fax: +(960) 333 0249
e-mail: [email protected]
Legal Affairs & Documentation
Department
Bank of Maldives Plc
6th Floor, Bank of Maldives Building
11, Boduthakurufaanu Magu,
Male’ 20094, Republic of Maldives
Tel: +(960) 333 0154
Fax: +(960) 333 0185
e-mail: [email protected]
Public Relations and Administration
Department
Bank of Maldives Plc
4th Floor, Bank of Maldives Building
11, Boduthakurufaanu Magu,
Male’ 20094, Republic of Maldives
Tel: +(960) 333 0133
Fax: +(960) 333 0115
e-mail: [email protected]
HEAD OFFICE DEPARTMENTS
5
CONTACTS
BANK OF MALDIVES PLC - ANNUAL REPORT 2005
Bazar BranchBank of Maldives PlcOrchid Magu,Male’, 20188Republic of MaldivesTel: +(960) 333 0222Fax: +(960) 333 0220e-mail: [email protected]
Dhidhdhoo BranchBank of Maldives PlcNiloafaru MaguHaa Alifu Dhidhdhoo, 01100Republic of MaldivesTel: +(960) 650 0066Fax: +(960) 650 0066email: [email protected]
Eydhafushi BranchBank of Maldives PlcYoosuf Kaleyfaanu MaguBaa Eydhafushi, 06080Tel: +(960) 660 8428Fax: +(960) 660 8431email: [email protected]
Fonadhoo BranchBank of Maldives PlcAndhaleebu MaguLaamu Fonadhoo, 15080Republic of MaldivesTel: +(960) 680 0729Fax: +(960) 680 0729email: [email protected]
Fuvahmulaku BranchBank of Maldives PlcBahaaru MaguGnaviyani Fuvahmulah, 18014Republic of MaldivesTel: +(960) 686 5003Fax: +(960) 686 0665email: [email protected]
Gan BranchBank of Maldives PlcBlock No.502Seenu Gan, 19070Republic of MaldivesTel: +(960) 689 8014Fax: +(960) 689 8087e-mail: [email protected]
Hithadhoo BranchBank of Maldives PlcGhaazee Magu, MedhuvaluSeenu Hithadhoo, 19020Republic of MaldivesTel: +(960) 688 5011Fax: +(960) 688 5013email: [email protected]
Hulhumeedhoo BranchBank of Maldives PlcBahaaudhdheen MaguSeenu Hulhudhoo, 19060Republic of MaldivesTel: +(960) 689 5700Fax: +(960) 689 4029email: [email protected]
Hulhumale’ BranchBank of Maldives PlcUnit (C-G-05), Bageechaa HigunHulhumale’, 23000Republic of MaldivesTel: +(960) 335 0067Fax: +(960) 335 0526email: [email protected]
Kulhudhuffushi BranchBank of Maldives PlcHaa Dhaalu Kulhudhuffushi, 02110Republic of MaldivesTel: +(960) 652 8813Fax: +(960) 652 7611email: [email protected]
Main BranchBank of Maldives Plc1st Floor, Bank of Maldives Building11, Boduthakurufaanu MaguMale’, 20094Republic of MaldivesTel: +(960) 333 0144Fax: +(960) 333 0180e-mail: [email protected]
Majeedheemagu BranchBank of Maldives PlcMajeedhee Magu,Male’, 20138Republic of MaldivesTel: +(960) 333 0202Fax: +(960) 333 0210e-mail: [email protected]
Male’ International Airport BranchBank of Maldives PlcHulhule, 22000Republic of MaldivesTel: +(960) 331 5211Fax: +(960) 331 5211e-mail: [email protected]
Muli BranchBank of Maldives PlcRankokaa MaguMeemu Muli, 11050Republic of MaldivesTel: +(960) 672 0001Fax: +(960) 672 0001email: [email protected]
Naifaru BranchBank of Maldives PlcMarine DriveLhaviyani Naifaru, 07020Republic of MaldivesTel: +(960) 662 0319Fax: +(960) 662 0319email: [email protected]
Thinadhoo BranchBank of Maldives PlcVaruhagu MaguGaafu Dhaalu Thinadhoo, 17100Republic of MaldivesTel: +(960) 684 1002Fax: +(960) 684 1984email: [email protected]
Ungoofaaru BranchBank of Maldives PlcMiskiy MaguRaa Ungoofaaru 05060Republic of MaldivesTel: +(960) 658 0272Fax: +(960) 658 0272email: [email protected]
Villingili BranchBank of Maldives PlcAmeenee MaguGaafu Alifu Villingili, 16020Republic of MaldivesTel: +(960) 682 0005Fax: +(960) 682 0005email: [email protected]
Villimale’ BranchBank of Maldives PlcBlock No. 31Villingili,Male’ , 21017Republic of MaldivesTel: +(960) 339 1650Fax: +(960) 339 1651email: [email protected]
BRANCHES
6
PROFILE
Bank of Maldives Plc was inaugurated on November 11, 1982 by the
President His Excellency Maumoon Abdul Gayoom. It started
commercial operation as a joint venture bank with 60% shares held
by the Government of the Maldives (including its Agencies and
Maldivian Companies) and 40% shares owned by International
Finance Investment Company Limited (later IFIC Bank Limited),
Dhaka, Bangladesh, respectively. From the inception of the Bank,
until 31st December 1992, under a Management Contract with IFIC
Bank Ltd, the Bank was managed by IFIC Bank Limited. Under this
contract IFIC was to bring in professionals to run the Bank and lay a
sound foundation for the Bank, and they were paid 10% of the Bank's
profit.
During the tenth year of the Bank, the Government of Maldives
decided not to renew the Management Contract with IFIC Bank Ltd
and to re-structure the Bank of Maldives and hence requested the
IFIC Bank Ltd to reduce the share holding and also the number of
representation in the Board. Consequently IFIC Bank Ltd decided to
dispose off its entire shares in the Bank of Maldives and terminate
its relations with the Bank with the expiry of the Management
Contract on December 31, 1992. On 14 November 1992,
Government of Maldives purchased 40 per cent shares held by IFIC
Bank Ltd. As a result, 80 per cent of the share capital of the Bank of
Maldives was owned by the Government while the remaining 20 per
cent of the share capital was sold equally to the State Trading
Organization and Maldives Transport and Contracting Company
respectively.
In December 1992, the Government decided, to sell Bank's shares
to the general public, with a view to expand the Bank's capital.
From January 1, 1993, Bank of Maldives Plc has become, and since
then remained, a bank fully owned by the people and the
Government of the Maldives.
The Bank of Maldives Plc issued shares during 1993, 1994, 1995,
1996, 1997 and 1998. As a result of these share issues, the paid up
capital has risen from Rf 5 million in 1992 to Rf 36.516 million in
1998. As no shares were issued since 1998, the paid up capital of
the Bank by the end of 2005 remained at Rf 36.516 million.
The main business of the Bank is retail banking. In addition to
handling development banking activities in all the atolls of the
Republic, Bank of Maldives Plc extends a variety of modern banking
services on line, in a fully computerized environment and is proud to
serve the nation as the leading bank in the Maldives.
Presently the Bank of Maldives Plc has 19 branches. Three out of
nineteen branches are in Male', the capital, one in Male'
International Airport (Hulhule' Island), one is in Villingili ward, the
fifth ward of Male' and one branch in Hulhumale’. The other thirteen
branches are distributed amongst the atolls of the country, each
with a designated command area. Hence, the Bank of Maldives Plc
is able to serve the whole nation. The sequence of opening the
Bank of Maldives Plc offices shows the growth of the
horizontal expansion of the Bank.
23 May 1982
Registered as a company with Ministry of Home Affairs
10 November 1982
Licensed to operate as a banking business from Maldives Monetary
Authority
11 November 1982
Main Branch and Head Office, Male'
01 December 1983
Gan Branch (Seenu Atoll)
29 December 1984
Majeedhee Magu Branch, Male'
29 December 1987
Bazar Branch, Male'
26 June 1990
Naifaru Branch (Lhaviyani Atoll)
29 December 1991
Kulhudhuffushi Branch (Haa Dhaalu Atoll)
16 January 1993
Fonadhoo Branch (Laamu Atoll)
17 January 1994
Hithadhoo Branch (Seenu Atoll)
10 October 1994
Muli Branch (Meemu Atoll)
30 October 1994
Thinadhoo Branch (Gaafu Dhaalu Atoll)
BANK OF MALDIVES PLC - ANNUAL REPORT 2005
7
PROFILE
23 November 1995
Fuvahmulaku Branch (Gnaviyani Atoll)
30 November 1997
Villingilli Branch (Gaafu Alifu Atoll)
20 August 1998
Male' International Airport Branch (Hulhule)
11 March 2001
Dhidhdhoo Branch (Haa Alifu Atoll)
09 October 2003
Villimale’ Branch, Villingili, Male’
12 October 2003
Hulhumeedhoo Branch (Seenu Atoll)
15 October 2003
Ungoofaaru Branch (Raa Atoll)
03 April 2005
Hulhumale’ Branch (Hulhumale’)
BANK OF MALDIVES PLC - ANNUAL REPORT 2005
11 May 2006
Eydhafushi Branch (Baa Atoll)
On 29 December 1997, H.E. President Maumoon Abdul Gayoom laid
the foundation stone of the 8-storey Bank of Maldives Building on
Boduthakurufaanu Magu, and it was declared open by the
President on 27 January 2000. The same day, His Excellency the
President inaugurated the Bank's Automated Teller Machine service,
the first of its kind in the country.
Bank of Maldives Plc through its Development Banking activity is the
implementing agency of the Atolls Credit and Development Banking
Project (ACDBP), which covers the Northern and Central Atolls from
Haa Alifu to Laamu Atoll and the Southern Atolls
Development Project (SADP) which covers the four southernmost
atolls namely Gaafu Alifu, Gaafu Dhaalu, Gnaviyani and Seenu
Atolls. The first project was financed by long-term borrowings from
the International Fund for Agricultural Development (IFAD) and the
second project was financed by long-term borrowings from the
International Fund for Agricultural Development (IFAD) and Opec
Fund for International Development (OPEC) through the
Government of Maldives.
Bank’s Eydhafushi Branch declared open by Minister of Finance and Treasury Hon. Qasim Ibrahim on 11th May 2006
8
MISSIONSTATEMENT
BANK OF MALDIVES PLC - ANNUAL REPORT 2005
Serving The Nation
9
OUR VISION
"We will lead the way through quality of services and dedication of our
staff. We will serve all our communities to the best of our ability, strive
always to listen to your needs and so build total customer confidence and
satisfaction."
Bank of Maldives - Proud To Be Maldivian
BANK OF MALDIVES PLC - ANNUAL REPORT 2005
10
HIGHLIGHTS
207.15
90.00
2,239.56
1,200.00
600.00
1,000.00
775.88
100.00
3,460.44
1,800.00
975.00
1,550.00
629.99
95.00
2,779.55
1,350.00
750.00
1,175.00
190.46
85.00
2,032.40
750.00
585.00
650.00
(all amounts in Maldivian Rufiyaa)
For the Year 2002 2003 2004 2005
Earnings per Share (EPS)
Dividend per Share
Net assets value per share
Market value per share.
Highest
Lowest
At end of year
2001
460.99
85.00
1926.95
BANK OF MALDIVES PLC - ANNUAL REPORT 2005
11
SENIOR MANAGEMENTTEAM
From left:
Mr Ajith Mahinda Akmeemanage Don (Chief Financial Officer), Ms Fathimath Manike (Assistant General Manager), Ms Aishath Noordeen (Assistant General Manager), Ms Serene Ho Oi Khuen
(General Manager and CEO), Ms Nadiya Hassan (Assistant General Manager) and Mr Lua Too Swee (Chief Credit Officer)
BANK OF MALDIVES PLC - ANNUAL REPORT 2005
Photo:May 2006
12
DEPARTMENTMANAGERS
BANK OF MALDIVES PLC - ANNUAL REPORT 2005
Standing from left:
Mr Mohamed Haleem (Manager - Development Banking Cell), Mr Ali Adam (Manager - Enterprise Banking Department), Mr Mohamed Shareef (Manager - Card Centre), Mr Hassan Shaam
(Manager - Public Relations and Administration Department), Mr Nasrullah Abdul Wahid (Manager - Finance Department), Mr Yamin Adam (Manager - Foreign Department), Mr Adly Ahmed
Didi (Manager - Information Technology Department)
Sitting from left:
Mr Mohamed Ahmed (Manager - Inspection Department), Mr Mohamed Ismail (Manager - Legal Affairs and Documentation Department), Ms Aminath Shaheen (Manager - Credit
Department), Mr Ahmed Rasheed (Manager - Human Resources Department) and Mr Hassan Rasheed (Manager - Corporate Affairs Department)
Photo:May 2006
13
BRANCHMANAGERS
BANK OF MALDIVES PLC - ANNUAL REPORT 2005
Back row standing from left:
Ms Hidaya Ahmed (Manager - Main Branch), Mr Mohamed Ibrahim (Manager - Eydhafushi Branch), Mr Abdulla Sobah (Manager - Dhidhdhoo Branch), Ms Sharmeela Mohamed
(In-charge - Villimale’ Branch)
Second row standing from left:
Mr Abdulla Shameem (Manager - Male’ International Airport Branch), Ms Fathimath Rasheeda (Manager - Majeedhee Magu Branch), Mr Abdul Azeez Rifau (In-charge - Thinadhoo Branch),
Mr Ibrahim Ali (Manager - Hulhumale’ Branch), Mr Abdulla Sujau (In-charge - Ungoofaaru Branch), Mr Firaq Ahmed (Manager - Naifaru Branch), Mr Hassan Abdulla (Manager - Fuvahmulaku
Branch), Ms Fathimath Maleeha Jamal (Manager - Hulhumeedhoo Branch), Ms Fathimath Nihan (Manager - Gan Branch)
Sitting from left:
Ms Muneera Ali (Manager - Kulhudhuffushi Branch), Mr Mohamed Niyaz (In-charge - Villingili Branch), Mr Mohamed Mueen (Manager - Fonadhoo Branch), Mr Ali Rasheed (Manager - Muli
Branch), Mr Ahmed Niyaz (Manager - Bazar Branch) and Ms Mariyam Solih (Manager - Hithadhoo Branch)
Photo:May 2006
14
Towards Stability
With the blessing of Almighty Allah on behalf of the Board of
Directors, I am pleased to present the annual Report and Accounts
of Bank of Maldives Plc for the year 2005.
The overall macroeconomic situation during the first quarter of the
year came under pressure, following the aftermath of tsunami.
However, signs of speedy recovery from the economic downturn
was seen during the second half of the year due to active
participation and contribution from all the key stakeholders in the
country. The tourism sector which suffered a crippling blow after
the December 2004 tsunami is seen to be bouncing back with strong
growth in both tourist arrivals and bed nights due to vigorous
marketing and promotional campaigns organized by the industry
stakeholders to boost arrivals from key source markets The
domestic fisheries industry also strengthened faster with global
price increases in fish export market due to bird flu. Meanwhile,
the construction sector activities were very buoyant during the
year due to reconstruction activities both in inhabited islands and
in tourist resorts which were damaged by the tsunami. Robust
growth in the tourism, fisheries and construction sectors during
the second half of the year has driven distributional activities in
the country tremendously.
Despite economic backdrop brought about by the tsunami and sharp
rise in oil prices during 2005, Bank of Maldives has proven itself
once again that it is profitable and financially sound. Taking up
these adverse effects as a challenge, bank achieved a pre-tax profit
of Rf 126 million in 2005, up from Rf. 103 million in 2004 and
shareholders’ equity increased by 25% .
I was honoured to be offered the position of Chairman of Bank of
Maldives Plc (BML) in September 2005. Over the last 24 years of
its life as a bank, the BML has played an important role in the
development of financial services in the Maldives.
Our primary focus is on performance. We have continued to build
on our record of accomplishment. We have seen improvement in
all our key financial areas. There has been broad based revenue
growth in the Bank.
Further, the Bank made continuous challenging to keep the Deposit
base, the main source of funding, to a growth of 28% over last
year posting the 2005 total Deposit base to Rf 3.5 billion
Prospects for 2006
In Maldives, a gradual dissipation of the adverse impact of the
tsunami disaster on some sub-sectors of the economy can be seen.
Tsunami related reconstruction could also boost aggregate demand
and output. Accordingly, economic performance is expected to be
better in 2006. More positively, given the Government’s strong
emphasis on Tourism, Fisheries, Agriculture and Atolls Development
projects, a revival in these sectors could be anticipated in 2006.
Bank of Maldives is looking ahead to the future with confidence.
The Bank has increased the training budget for the year 2006 and
will increase graduate intake. The Bank intends to expand its
operations, both in terms of accessibility and range of products
while continue to expand its presence within Maldives by opening
more Atoll branches. We plan to construct a 5-storey building at K.
Villingili to ease the head office building congestion and a single
storey building for S. Gan branch at Maradhoo Feydhoo. Your Bank
would also constantly probe new business opportunities like
introduction of internet banking.
CHAIRMAN’SSTATEMENT
Abdul Hameed MohamedChairman and Managing Director
BANK OF MALDIVES PLC - ANNUAL REPORT 2005
15
CHAIRMAN’SSTATEMENT
Gratitude
On behalf of the Board of Directors and on my own behalf, I would
like to express my sincere appreciation to the management and
staff who drove the 2005 profit performance. I wish to express my
gratitude to my colleagues on the Board for their valuable
contributions and on behalf of the Board I pay tribute to the efforts
of Mr Ibrahim Zuhair who lead the Bank as Chairman from 19th
November 2003 to 28th June 2005. I also would like to thank the
shareholders and customers for their confidence and support to
the Bank.
I also take this opportunity to express my gratitude to those Board
members who served the Bank and left us recently because of
their new assignments. I do appreciate the guidance and
cooperation given by the Minister of Finance and Treasury, Mr Qasim
Ibrahim.
On behalf of the Board of Directors, I wish to extend our sincere
gratitude to His Excellency President Maumoon Abdul Gayoom for
his new vision in nation building especially in financial sector reform.
May Almighty Allah bless our Bank and guide the Bank in its future
endeavors.
Abdul Hameed Mohamed
Chairman
Board of Directors
10th May 2006
BANK OF MALDIVES PLC - ANNUAL REPORT 2005
16
BOARD OFDIRECTORS
From left:
Mr Ahmed Hamza, Mr Mohamed Abdul Sattar, Mr Imad Solih, Mr Mohamed Ahmed Didi, Mr Abdul Hameed Mohamed (Chairman),
Mr Azam Farish and Ms Fathimath Nuzuha
BANK OF MALDIVES PLC - ANNUAL REPORT 2005
17
Ms Serene Ho Oi Khuen (General Manager and CEO), Mr Ahmed Imad Mohamed, Mr Mohamed Hussain Maniku, Ms Fathimath Sheereen Abdulla,
BANK OF MALDIVES PLC - ANNUAL REPORT 2005
18
OVERVIEW 2005
The year commenced under a cloud of uncertainty. The tsunami
had wrecked coastlines and livelihoods. It had also jolted mindsets
and attitudes and dropped more than a seed of ambiguity in the
minds of the business sector. Yet from this uncertainty and
trepidation the country rebounded and the Bank was proud to be
part of this revival. In exercising tight control in liquidity and credit
risk management while having to support the funding needs of
tsunami effected resorts and atolls, we ensured that the Bank meets
or exceeds its targets. We ended 2005 secure with the thought of
having delivered value to all our stakeholders: shareholders,
customers, employees and their families, the larger society and
the nation.
Solid performance in most areas of business helped the Bank report
a record level of earnings in 2005. Strong organic growth was seen
in almost all major activities. Despite the customer base and the
volumes of business recording substantial increases, the Bank
managed to maintain a consistent risk profile and in fact reported
improvements in credit quality in terms of non performing assets
ratio and level of provisioning for possible loan losses. Costs
remained firmly under control and growth in earnings well exceeded
growth in costs.
Capital Adequacy Ratios remained robust. Besides relying on profit
retention to support the enhanced capital requirements arising from
the growth in risk-weighted assets, the bank has plans to tap the
domestic capital market to raise additional equity capital.
FINANCIAL REVIEW
Bank of Maldives Plc charted yet another year of improved
performance, turning in a pre-tax profit of Rf 126 million in 2005
up from Rf 103 million in 2004. This increased return mainly
attributable to the strong loan growth of 55% achieved during
2005 boosting the total loan book to Rf 2.8 billion as at year end.
Net interest margin of the Bank increased by 22% amounting to
Rf 175 million in 2005 as against Rf 143 million in 2004 mainly as
a result of changing the mix of the assets from low yielding Money
Market investments to high yielding Loans and Advances coupled
with additional lending funded by increased deposits.
THE DIRECTORS’REPORT
Total income increased by 25% to Rf 359 million from Rf 287 million,
while total expenses increased by 27% to Rf 233 million from Rf
184 million.
Fees and commissions received during the year 2005 have shown
an increase of 59% to Rf 95 million compared to Rf 60 million for
BANK OF MALDIVES PLC - ANNUAL REPORT 2005
19
THE DIRECTORS’REPORT
the year 2004. This is mainly attributable to 15% increase in
trade related income, and 198% increase in card related business.
Operating expenses grew by 32% from Rf 129 million to Rf 170
million. Increase in operational expenses is primarily as a result of
Card membership fees and transaction charges incurred on Card
operations. Credit card expenses increased to Rf 24 million in 2005
from Rf 6 million incurred in 2004, with the acceleration of the
credit card project into American Express, Visa and MasterCard
acquisition; and launching of first ever American Express and Visa
card issue business in Maldives. The corresponding recovery of
these charges and commission are reflected under Fee based
income as mentioned above.
Further as a prudential measure the Bank increased the General
Loan loss Provision as at year end 2005 to stand at 1% on total
Loans and Advances which gave rise to an increase in provision
expense by Rf 14 million.
Notwithstanding the shock of 2004 tsunami that affected the entire
country, the Bank continued to achieve satisfactory growth and
serve its customers across a broad range of business activities.
The Bank’s asset base increased by 26% to reach Rf 4.1 billion as
at 31st December 2005 from Rf 3.3 billion as at 31st December
2004. The Return on average assets for 2005 is 2.6%.
Loans and advances increased 55% to reach Rf 2.8 billion whilst
deposits from customers rose by 28% to Rf 3.5 billion. The loan
deposit ratio increase to a sustainable level of 80% at 31st December
2005 from 66% at 31st December 2004. The growth in loans and
advances is a spin off from January 2004 as an initiative of target
marketing of the total banking relationship covering trade finance,
loans, electronic banking and credit card business to the top tier
corporate customers. They have responded to better customer
service and Bank’s mission of ‘Serving the Nation’, through broad
product range and widespread branch network.
More importantly, the Bank has continued to deliver the customer
service by supporting the tsunami affected resorts and atolls
through temporary working capital facilities and loan reschedules
in the aftermath of tsunami in 2005, contributing towards the loan
growth.
Of the 30,850 loans outstanding as of 31st December 2005, over
99% of the number of loans is in the standard category while the
remaining 1% is categorised under the various stages of
non-performing assets as per Maldives Monetary Authority
regulations. Though the number of loans and advances classified
as non-performing assets is 1%, it represents nearly 9% of the
total amount of loans and advances. This is due to 2 large historical
exposures in the corporate sector, which is collateralised against
resort islands and is adequately provided under specific provision.
BANK OF MALDIVES PLC - ANNUAL REPORT 2005
20
THE DIRECTORS’REPORT
BANK OF MALDIVES PLC - ANNUAL REPORT 2005
Standard loans represented 91% of all outstanding loans and
advances.
Earnings per share in 2005 increased to Rf 775.88 compared to Rf
629.99 in the year 2004.
Capital Structure
The authorised and paid up share capital of the Bank during financial
year 2005 remained unchanged as has been since 1998. The
existing level of paid up capital and reserves is in excess of the
minimum required by the Maldives Monetary Authority, which is
also in line with that prescribed internationally by the Basle Capital
Accord. In line with the increase in the level of lending and expansion
Shareholders’ funds, before appropriation of profit, has increased
to Rf 421 million reflecting a comfortable growth of 24% compared
to financial year 2004. By the end of the financial year 2005, the
net book value or the net asset value of each of the 121,720
ordinary shares of face value Rf 300 issued by the Bank rose to Rf
3,461. The return on average shareholders’ funds remains at 25%
for the last two years.
21
THE DIRECTORS’REPORT
BANK OF MALDIVES PLC - ANNUAL REPORT 2005
of the Bank, the Bank has plans for additional share issue. The authorised capital remained at Rf 300,000,000/- and the issued, subscribed
and paid up capital of the Bank as at 31st December 2005 remained at Rf 36,516,000/-.
The breakdown of shareholdings is given below:-
working capital, trade finance and remittance services, and project
finance.
During the first half of the year under review, the Bank continued
its support to its corporate clientele affected by the Tsunami by
restructuring advances (allowing them moratorium of 6- 8 months
on principle repayments) and offering other solutions to overcome
difficulties faced. Many entrepreneurs saw this as an opportunity
to reconstruct and refurbish tourist resorts while they undertook
repair of the damage caused by the Tsunami. Despite the sudden
set back, the resilient tourism industry rapidly bounced back to
pre-tsunami level of activity by year end 2005.
Over 48% of the Bank’s total advances are to the tourism sector
followed by 20% for other activities; other activities consist of
Electricity, Gas, Water and Sanitary Services (0.33%), Transport,
Storage Communications (38%), Services (17%), and Employees,
and activities not adequately described (45%).
Fisheries sector is the second largest contributor to GDP. The Bank’s
lending to this sector stood at Rf 300 million as at end December
2005 compared to Rf 221 million in 2004. Presently, the bank is
the leading lender to the fisheries sector with major clients including
the state owned fishing company and leading private sector fishing
companies. The Bank funds fishing vessels and fish processing in
its development banking sector. In order to further strengthen and
ensure sustainable development of this promising sector in the
medium and long term, the Bank is keen to support future
Shareholders as at 31.12.2005
Government
State Trading Organisation Plc (STO)
Maldives Transport and Contracting Company Plc (MTCC)
Government Employees' Provident Fund
Account of Rayyathun*
General Public
TOTAL
Number of Shares
62,077
6,086
6,086
10,955
6,086
30,430
121,720
Amount (Rufiyaa)
18,623,100
1,825,800
1,825,800
3,286,500
1,825,800
9,129,000
36,516,000
Percentage Share
51
5
5
9
5
25
100
*Held by island / atoll communities through the Ministry of Atolls Development
The capital adequacy ratio is at a healthy 12.37%. This is more
than the minimum requirement of 8% of total risk-weighted capital
ratio as per the Maldives Monetary Authority. The Bank’s core capital
ratio stands at over 9.9% which is about two and half times the
Maldives Monetary Authority’s minimum requirement of 4% of core
capital ratio.
We note that the capital adequacy ratios of the Bank, both the Tier
1 or core capital and total capital (Tier 1 and Tier 2 together),
though still healthy, are falling because of the more efficient
deployment of the capital in loans and advances, resulting in higher
return on shareholders’ funds.
Corporate Banking
In the year 2005, the Bank substantially increased its lending to
major corporate borrowers and the middle tier market, making it
the major contributor to the Bank’s income. Corporate banking
contributed 28% of the total gross income as at end December
2005. Among the Bank’s corporate clients are the largest private
business establishments in the Maldives comprising of resort hotels,
trading companies, telecom companies, state owned enterprises
engaged in trading, construction, fishery, shipping and utilities
services.
The Bank’s strategy in lending to major corporate customers is to
meet all their banking requirements, by offering a total package
which includes electronic banking, credit and debit card services,
22
THE DIRECTORS’REPORT
BANK OF MALDIVES PLC - ANNUAL REPORT 2005
investments in this sector, through commercial lending and
partnership with the developmental finance agencies.
Lending to commerce (trade finance/imports) represented 11.3%
and lending to construction sector represented 7.4% of the total
loan portfolio due to stepped up activities of rehabilitation and
reconstruction in the aftermath of the Tsunami. The Bank envisages
rapid growth in these sectors in the year ahead largely due to the
ongoing construction projects in Hulhumale. Infrastructure projects
like harbour building and housing in the tsunami affected atolls
and new resorts are yet to be developed.
In manufacturing and agriculture sector corporate borrowings were
the lowest as it accounts for 2.5% and less than 1% respectively.
However, continuous efforts are being made to diversify the Bank’s
asset portfolio while simultaneously striving to reduce credit
concentrations.
Many NGOs that entered Maldives to dispense humanitarian relief,
entrusted their banking requirements to us. The Bank was able to
leverage the reputation it has built up over the years to attract
these NGOs which are looking for a bank with a wide network of
branches and the supporting technological capabilities.
Bank was actively involved in raising funds for re-development,
reconstruction and refurbishment of resort hotels, both from
domestic deposits as well as tapping short and medium term
offshore funds. In 2005 the Bank arranged US$ 15 million
syndication for Olhuveli resort tsunami restoration and
redevelopment, where two local banks and one offshore bank were
involved.
Tsunami devastation of M. Madifushi Island.
Bank of Maldives arranged US$ 15 million syndication for Olhuveli resort redevelopment
23
THE DIRECTORS’REPORT
BANK OF MALDIVES PLC - ANNUAL REPORT 2005
Trade Finance
Foreign Trade business of the Bank increased over the last year by
40.30% from Rf6.65 billion in 2004 to Rf9.33 billion in 2005. Trade
business has contributed to 10% of the Bank’s gross income. Major
imports during the year were construction materials for rebuilding
of the infrastructure destructed by the Tsunami of December 2004.
Bank has widened its network of correspondent banks and
established trade lines to facilitate structured trade financing and
handling large value Letters of Credit mainly for import of fuel.
Major fuel imports were from Singapore and the Middle East market
with L/C’s of Rf 266 million. Major exports were to Sri Lanka,
Thailand, United Kingdom and Taiwan.
Development Banking Cell
As the national bank of the country, Bank of Maldives is committed
to the development of the outer atolls and development banking
activities are a key part of the operations of the Bank. There are
twelve branches serving the population in the atolls. In addition
five mobile banking units (dhonis) are being used for the purpose
of mobile banking operations to cover the entire country. Out of
the total bank staff of 418 as at the end of the year, 36% were
employed in the area of development banking. Development
Banking accounted for 15% gross income and stood at Rf 51.9
million.
The only new branch that was opened during April 2005 was in
Hulhumale’, bringing the total number of branches operated to 18.
At the end of the year, all the branches were making profits.
Hulhumale’ branch posted a profit of Rf 613, 253 for the 3 quarters.
The Bank through its development banking activities is the
implementing agency of the Atolls Credit and Development Banking
Project (ACDBP) which covers the northern and central atolls from
Haa Alifu to Laamu Atoll and the Southern Atolls Development
Project (SADP) covers the four southernmost Atolls, namely, Gaafu
Alifu, Gaafu Dhaalu, Gnaviyani and Seenu Atolls. The first project
was financed by long term borrowings from the International Fund
for Agricultural Development (IFAD) and the second by IFAD and
the OPEC Fund for International Development (OPEC).
In addition to these branches, Development Banking Cell in Male’
provides development banking services to the three central atolls,
Kaafu, Alifu Alifu and Alifu Dhaalu Atolls.
The development projects being implemented by the Development
Banking Cell has to a great extent extended need based credit to
the rural population and this has helped them to attain income
security, ownership of productive assets and entrepreneurship skills.
With the saving habits of the beneficiaries, the projects have laid
the foundation for banking culture among them. The projects have
to a great extent emphasized on women and as a result it not only
created tremendous awareness amongst women but also made
them realize at least a part of their potential.
The main focus during the year 2005 continued to be on smaller
loans for the projects’ target group.
As in the past years, in 2006 too, Development Banking Cell will
be proactive in tapping into these sources of development financing
for atolls reconstruction and recovery.
Development Banking Cell has been appointed by the Ministry of
Finance and Treasury to administer the Island Livelihood
Revitalization and Development Program (ILRDP), coordinated by
National Disaster Management Centre, the Loan Scheme of the
Livelihood Revitalization Program (LSLRP) jointly with Maldives
National Chamber for Commerce and Industries and Maldives
Association of Tourism Industry, Loan Scheme of the Fisheries
24
THE DIRECTORS’REPORT
BANK OF MALDIVES PLC - ANNUAL REPORT 2005
Development Program(LSFDP) and Loan Scheme of the Agricultural
Development Program(LSADP) coordinated by the Ministry of
Fisheries Agriculture and Marine Resources.
Electronic Banking & Card Centre
Bank of Maldives Plc has become the frontrunner in computerized
banking in addition to being the only indigenous bank in the country.
All 18 branches of the bank are connected online, enabling
customers to conduct business with ease and convenience from
any location in the Maldives. The bank has invested in
state-of-the-art technology as part of its commitment to offer
electronic banking and debit and credit card services for all the
sectors of the economy. After the initial commencement of acquiring
major Credit Cards (Visa, MasterCard and American Express) and
the issuance of American Express Cards in the year 2004, the
Bank of Maldives Card Centre has made profound progress in the
year 2005.
In March of 2001, Bank of Maldives launched the first proprietary
card in the Maldives which although not an immediate success is
now one of the most popular modes of payment transactions. It
was no surprise that the Visa Debit Card on launch was an
immediate success as a card which could be used similarly with
the bonus of using it overseas. It has become one of the fastest
growing products of the Bank of Maldives. The launching of Visa
Credit and Debit Card in February 2005 ranks among the most
significant achievements in the history of the bank. With thousands
of customers waiting for the availability of this product the demand
for both these cards was far greater than anticipated. By the end
of 2005, there are over 65,000 active Bank of Maldives Cash Cards
With the growing local cardholder base, Bank of Maldives Card
Centre has focused on enabling more acceptances of these cards
at establishments. As such during the year 2005 hundreds of new
merchants have signed up for accepting both credit and debit cards.
24 Hours Call Centre, Bank of Maldives Card Centre
and over 3,600 Visa Debit Cards. The success of both American
Express and Visa Credit Card has resulted in over 5,400 credit
cards being issued within this short period of time.
Launching of Bank of Maldives Credit and Debit VISA Card.Bank finances production of fibre vessels
25
THE DIRECTORS’REPORT
BANK OF MALDIVES PLC - ANNUAL REPORT 2005
In addition to this the Bank of Maldives has installed Point of Sales
(POS) terminals in nearly all resorts. 855 Point of Sales terminals
in total have been installed by the end of December 2005 at resorts
and a number of sales and service outlets in Malé and some of the
atolls.
As part of the provision of enhanced services to its clients, Bank of
Maldives Card Centre introduced an entire new service to its
customers – ATM BillPay service. The Bank has signed contracts
with Dhiraagu and Wataniya (telecommunication services providers)
to create an opportunity for customers to pay their telephone bills
at their convenience. ATM BillPay allows customers the ease of
paying their bills using their cash regardless of whichever time
they choose. Customers no longer need to queue up at counters
to pay the bill. The Bank aims to provide this service to other
utility companies in the Maldives in the near future.
Although Bank of Maldives has already commenced the issuance
of Visa Cards, the Bank has plans to introduce Visa Smart Cards
guaranteeing additional security features. Visa Smart Card comes
with a built-in chip providing better security features making it
difficult to forge and prevents the skimming of cards.
STRATEGIC DIRECTION AND MANAGEMENT OF THE BANK
Each year, the Senior Management Team headed by the Chief
Executive Officer (CEO) critically reviews the Corporate Plan and
the Budget is prepared for the ensuing four years on a “rolling
basis”. After carrying out an extensive SWOT analysis on the Bank,
the Corporate Plan and the Budget incorporates the Goals,
Objectives and Strategies proposed to be implemented for achieving
them together with specific time frames, in the context of the Vision
and the Mission of the Bank. Undoubtedly, the Corporate Plan and
the Budget has immensely contributed in building up the target
driven culture across the Bank which has helped the Bank to record
superior performance year after year and maintain its preeminent
position.
The Chief Executive Officer, Ms Serene Ho Oi Khuen, a senior Asia
Pacific banker with international experience, leads the Management
team in
• Institutionalisation of management organisation and
process
• Setting organisational vision and mission statement
• Business plan and marketing strategies
• Development of human resources and training plan
• Establishing risk management framework in credit,
liquidity and fund management, internal controls and
capital policies.
In order to further strengthen the Senior Management Team, two
experienced expatriate professionals with international banking
experience, joined the Bank to the positions of Chief Credit Officer
(CCO) and Chief Financial Officer (CFO) in the beginning of year
2006.
The CCO is responsible for the implementation of best risk
management policies and procedures in lending and credit
administration, building the capacity of the Credit Department,
Launching of Dhiraagu Bill Payments via Bank of Maldives ATM’s and Branches
The Bank of Maldives Card Centre is working to build an Internet
Banking Platform to facilitate our cardholders and account holders
with easier banking options. With the growing use of the internet
around the world the Bank aims to start Internet Banking as soon
as possible. The Card Centre expects Internet Banking to receive
overwhelming support as this would enable transactions to be made
from the comfort of home.
Bank of Maldives has also undertaken to issue the popular
MasterCard products within the year 2006. MasterCard is among
the most widely accepted Credit Cards around the globe and
issuance of this card by the Bank will enrich the Credit Card portfolio
of the Bank of Maldives Card Centre.
26
THE DIRECTORS’REPORT
BANK OF MALDIVES PLC - ANNUAL REPORT 2005
providing support in steering the Bank’s operations towards
maintaining a credit portfolio of high credit standing. The CFO is
pivotal in implementing best internal control policies and procedures
in liquidity and fund management and capacity building by providing
on the job training for Finance Department and Internal Audit
Department. The three Assistant General Managers (AGMs) will
have respective areas of responsibility for Corporate Banking and
Loan Syndication, Treasury and Correspondent Banking/Trade and
Remittance services, IT and Card Centre, and Development Banking
and HR and Administration. Twelve Department Managers in the
Head Office and 18 Branch Managers report to the above Senior
Management Team.
A Credit Committee of three AGMs and CCO, chaired by CCO meets
regularly to discuss credit proposals in line with credit policies. All
credit proposals, above Rf 100,000/- loans, are discussed in the
Credit Committee before being placed for approvals in accordance
with respective levels of approval authorities. The Credit Committee
also reviews sectoral lending position, non-performing assets,
concentration risks, documentation and other credit related issues.
The “Assets and Liabilities Committee” (ALCO) comprising the CEO,
CCO, CFO, AGMs and the Manager of Inspection Department as
permanent members, has been meeting regularly to monitor
liquidity and fund management, capital policy and internal controls
compliance.
A Compliance Officer will carry out independent assessment of
regulatory compliance and anti money laundering compliance
requirements.
An “Innovation Committee”, comprising Managers selected by the
Management Team, addresses issues related to work improvement,
cost control and customer service. Based on their recommendations
the bank has put in place a cheque deposit machine into operation
and furthermore, the Bazar branch provides evening banking in
order to further enhance the customer service.
Bank of Maldives finances income generating micro projects
Bank introduced cheque deposit box facility
for the convenience of the customers.
A “Training Committee”, comprising Managers selected by the
Senior Management Team, was formed to identify training needs
of staff, arrange in-house training programs, obtain feedback and
re-develop on going training programs including induction for new
recruits and assist the participants of the Chartered Institute of
Bankers in Scotland (CIOBS) programs in their studies.
Key activities till date include facilitation of the Chartered Institutes
of Bankers, Scotland Program, drafting of a Study Leave Policy
and addressing several key areas in need of training such as training
27
THE DIRECTORS’REPORT
BANK OF MALDIVES PLC - ANNUAL REPORT 2005
in Performance Appraisals and Legal aspects of endorsement of
cheques.
SUSTAINABILITY
The Bank’s overall mission is to deliver optimum value to our
customers, employees, shareholders and the nation and our
business strategy is geared towards achieving this. This section
covers the value we deliver to our shareholders and the nation at
large. The Bank's policy has been to deliver optimum value in a
manner that is consistent with the highest levels of fairness and
transparency. For the Bank, it has not been a case of building
financial value and enhancing the bottom line at any cost, but
rather participating in a process of creating value through fair and
ethical means. Building sustainable value for all stakeholders is an
important corporate goal.
Economic Value Added
Economic Value Added (EVA) is a measure of profitability which
takes into consideration the cost of total invested equity.
Economic Value Added
Invested Equity
Shareholders' Funds
Add: Cumulative Loan Loss Provision
Earnings
Profit after taxation
Add: Loan Losses and Provision
Less: Loan Losses Written Off
Cost of Equity based on the 12 month
Average Certificate of Deposit rate plus 2%
for the Risk Premium
Cost of Average Equity
Economic Value Added
2001
Rf 000’s
234,548
35,787
270,335
56,112
4,340
-
60,452
10.000%
24,681
35,771
2002
Rf 000's
247,385
40,127
287,512
23,183
16,276
-
39,459
9.833%
27,427
12,032
2003
Rf 000's
272,599
56,403
329,002
25,214
32,881
-
58,095
9.167%
28,258
29,837
2004
Rf 000's
338,327
87,704
426,031
76,683
31,301
-
107,984
6.333%
23,908
84,076
2005
Rf 000's
421,204
137,011
558,215
94,440
49,307
(86)
143,661
6.000%
29,527
114,134
Bank of Maldives is conscious of delivering value to all our
stakeholders consistently. In EVA terms, bank has created
114 million during the year 2005 and over 276 million over the past
5 years.
28
THE DIRECTORS’REPORT
BANK OF MALDIVES PLC - ANNUAL REPORT 2005
Dividend
The dividend policy of the Bank has always been to pay a decent
dividend to its shareholders while ploughing back sufficient profits
to fund growth and capital adequacy requirements. As a result of
this prudent dividend policy, the Bank has been able to build up its
shareholder fund base to satisfactory levels.
Considering the performance of the Bank over the past year, the
Board has recommended a dividend of Rf 100/- per fully paid up
share of Rf 300/- for the year 2005, which is an increase of Rf 5/-
from Rf 95/- per share paid for 2004. This would amount to Rf
12,172,000/- for the proposed dividend, and the remaining
Rf 82,268,409/- is to be transferred to General Reserves of the Bank.
This is in line with the policy to preserve and build the equity of the
Bank through retained earnings.
Maintaining Capital Adequacy
Capital Adequacy symbolises the financial strength and stability of a
bank. It limits the extent up to which banks can expand their
business in terms of risk-weighted assets.
Like all commercial institutions, banks too constantly look at ways of
expanding their operations by acquiring property, plant &
equipment, opening branches, in addition to mobilising
deposits,providing loans and investing in other assets. Regulatory
capital requirements are therefore necessary to prevent banks from
expanding beyond their ability to manage (over trading), to improve
the quality of banks' assets, to control the ability of the banks to
leverage their growth and to lead to higher earnings on assets, leading
to peace of mind of all the stakeholders. The Bank keeps a careful
check on its Capital Adequacy Ratios. The Capital Adequacy
Computation of the Bank as at 31st December 2005 is given on
pages 44 and 45.
While the Bank is fully complied with Basel 1 requirement, the
objective of which is mainly directed towards assessing capital in
relation to credit risk (the risk of counterparty failure) and other
risks, notably operational and market risks as guided by the Basel II
Capital Framework, will be taken into consideration by the
Management gradually in assessing overall capital adequacy in
parallel with any particular regulations introduced by Maldivian
Monetary Authority (MMA) from time to time.
HUMAN RESOURCE MANAGEMENT AND DEVELOPMENT
Bank of Maldives believes that its potential for continued growth is
dependant on its ability to attract, motivate and retain a high calibre
of talent who are committed towards achieving our corporate
objectives.
With the recent developments and enhancements in bank’s
operations, the total staff strength has increased from 336 in 2004
to 418 (218 female 200 male) by the end of 2005. Training
expenses increased from Rf 1.3 million in 2004 to Rf 2.2 million in
2005, an increase of 61%.
Renewed emphasis on human resource development and
improvement of human resources has resulted in the
commencement of a total revamping of the whole HR structure.
It has been a year since the Bank became a listed company in the
official list of the Capital Market Development Section of the Maldives
Monetary Authority. However, the Bank’s shares have been traded
in the stock exchange since it was created by the Maldives Monetary
Authority.
During 2005, the shares of the Bank traded in the market in be-
tween Rf 975.00 and Rf 1,800.00 and the average market price was
Rf 1,417.00 and volume of turnover was 612. The last trade of Bank’s
shares in December 2005 was at a price of Rf 1,550.00.
29
THE DIRECTORS’REPORT
BANK OF MALDIVES PLC - ANNUAL REPORT 2005
Many of the processes has been streamlined and procedures been
modified to enhance efficiency and achieve a synergistic blend at
the operation level.
In the acquisition of the right talent for the Bank and to maintain
its high standards, the selection process has been strengthened.
Some of the trainings provided overseas in the year 2005 are:-
NO COURSE TITLE COUNTRY TRAINING PROVIDER
1 AMEX GNS Risk Management Training Kuala Lumpur , Malaysia American Express Global Network
Services
2 Visa South Asia Conference Goa/ India Visa
3 Conference on Global Banking Paradigm Shift Bombay, India Federation of Indian Chambers of
Commerce and Industry (FICCI)
4 International Payments & Trade finance
Seminar Thailand, Bangkok Deutsche Bank
5 Microfinance in South Asia Today and
Tomorrow - Conference Delhi World Bank and CGAP
Some of the trainings provided in-house and locally during 2005 are:-
NO COURSE TITLE TRAINING PROVIDER
1 Corporate Governance Seminar Focus Education Centre
2 Credit Appraisal & Monitoring (EIB Training Program) CGF Consulting Group
The training and development arena of staff has been broadened
to create a multi-skilled talent pool and a wide array of training
programs are being designed and implemented in–house whilst a
number of both external and overseas programs are also provided.
During the year, 36 staff attended overseas training and 308 staff
attended local and in-house training.
30
THE DIRECTORS’REPORT
BANK OF MALDIVES PLC - ANNUAL REPORT 2005
Towards addressing the shortage of professionally qualified
personnel, the Bank plans to offer 02 scholarships each year to
deserving and eligible candidates. Concurrently, the Chartered
Institute of Banker’s of Scotland (CIOBS), professional examination
is to be opened up to the whole Bank.
Present status of sponsorship, scholarships, CIOBS participants
and staff who have been availed leave for studies are as follows:
Present Offered /
no of staff Proposed
Sponsorships / Scholarships 10 02 per year
CIOBS 12 20 per batch
Study Leave (With pay) 04 05 per year
(estimate)
Study Leave (Without pay) 02 10 per year
(estimate)
The bonding and creation of cohesive teams was carried out through
various gatherings of all staff. As per tradition, following the Atoll
Branch Manager’s meeting, the usual Feydhoo-Finolhu trip was
held. Furthermore, a dinner event by the name of ‘Unity Dinner’
was introduced and held at the end of the year to celebrate the
combined efforts and achievements of the Bank staff as well as to
emphasize the synergy created through the team efforts.
The end of 2005 saw the ground work for several of the new HR
framework being laid and which is now in the process of
implementation. Significant targets for the coming year include
the automation of all HR processes through the adoption of HR
software, the compilation of an HR policy and procedure manual
focusing on succession planning to create the next generation of
management leadership.
SOCIAL & COMMUNITY SERVICES
Ethical and sustainable banking is in the core of our business. The
challenge for the bank is not just to generate a sound financial
performance, but to perform outside the balance sheet. To generate
sustainable and constant dividends for different segments of the
society, but mostly for those who are most disadvantaged and those
who require empowerment most urgently.
One of the projects that have been ongoing since 2001 is the
Thalassaemic Support Fund (TSF) which amounts to Rf.0.4 million
by year end. The Bank pays interest at 5.5% to the TSF account.
Donations to TSF can be made at any branch or bank dhoni of the
Bank and there are no bank charges levied on the transactions of
the fund. The Bank anticipates that the Thalassaemic Support Fund
will eventually grow to a size where it can pay for the life-saving
bone marrow transplants from the interest that will be earned on
the capital sum. The Bank is proud to have undertaken this
important community initiative, and it hopes that with the support
of the community at large, TSF will become an ongoing and highly
significant service that will provide hope to at least some of the
affected children.
During the year Bank did participate in helping the islands and
people affected from the tsunami disaster of 26th December 2004.
o Disaster Relief Fund; Bank was open 24hrs for a campaign
to raise funds for Tsunami affected people.
o ILRDP fund: - The Bank manages Island Livelihood
Revitalization and Development Programme (ILRDP)
fund. This is a revolving fund which provides loans to
economic activities of the tsunami affected islands.
o Loan scheme of:
o Fisheries development program
o Agricultural development program
o Loan to Traders with MNCCI & MATI. The
funding for this is equal contributions from
MNCCI, MATI & Bank of Maldives Plc.
LOOKING AHEAD
General Economy
World economy is gaining momentum; in North America and most
of Asia it is strong, while in Japan and continental Europe it looks
well established. It is anticipated that this will translate into higher
exports and tourist arrivals from these areas. However, this
momentum is expected to further fuel the price increases in oil
and commodities markets. During 2006 inflation and short-term
interest rates are expected to continue the trend of incremental
increase with the Fed quarterly revision of US$ interest rates.
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THE DIRECTORS’REPORT
BANK OF MALDIVES PLC - ANNUAL REPORT 2005
As a result of the Fed policy, USD LIBOR rates have increased by
230% over the last 2 years and this trend may continue in 2006.
Locally, post tsunami economic recovery has been sluggish during
2005 but is expected to gain strong momentum and rebound during
2006. Momentum will be fuelled by the increase in government
expenditure for 2006 together with growth in tourist arrivals which
is expected to be in the pre-tsunami levels. Additionally authorities
have embarked on several structural reform initiatives- fiscal,
state-owned enterprises and financial sector reforms- to create a
business environment conducive to private investment and to
support diversified growth. Hence, the future appears to be very
competitive and profitable for private business. The bank will
position itself to accommodate the potential growth in corporate
business activities.
Tourism Sector
Tourism sector is the major contributor to our GDP even with the
shock caused by the tsunami in 2004. Tourist arrivals also started
to recover strongly towards the end of 2005 and are expected to
reach pre-tsunami levels in 2006. The Pacific Asia Travel Association
(PATA) forecasts growth of the Asia Pacific tourism over the next
three years, and predicts that arrivals to Maldives will likely increase
by 6.8% in 2006 and 2007.
As the leading industry, tourism sector accounts for over 48% of
overall bank credit in 2005 which represents a 4% decrease due to
banks efforts to diversify its business. However, overall bank credit
percentage for the industry is likely to increase in 2006 to 2010.
This is because the bank may provide finance to the 35 new islands
which are to be developed over the next two to five years.
Additionally, Government of Maldives plans to open budget hotels
near the regional airports in the future. This will also increase
employment opportunities in these regions of the country and
enhancing economic standards in these regions. This will translate
to additional banking activities in these regions due to employment
and development of supplementary and support industries/business
in these regions.
Undoubtedly, capacity utilization of these new developments will
not be a problem as there is a shortage in bed capacity based on
the Tourism Master Plan. Additionally, due of the various activities
that continue to promote Maldives as a travel destination like the
recent world record scuba dive, 25th February 2006.
Transport Sector
Due to the geographical nature of the Maldives, one of the key
issues faced by all the businesses, particularly the tourism industry
is the limited availability of convenient and affordable transport.
With the development of Gan Airport in Addu Atoll to an international
airport, this will greatly cut back the transit time taken by the
tourists who will be going to the new resorts in Addu Atoll as tour
operators can arrange international charter flights to land in the
regional airport. Additionally, Trans Maldives Airways and Air Taxi
operate a total of 29 sea plans to transfer tourists to and from the
resort destinations.
The Fisheries Sector
The fisheries sector has recovered steadily from the tsunami
disaster in the second half of 2005 mainly due to continuing
overseas demand for Maldivian fish products and the opening of
new fish processing capacity. By the end of 2005, the industry had
recovered fully with production reaching 192,000 tons, an increase
of 21% on 2004. This is mainly due to high volumes of fish catch in
the southern atolls. Output is forecast to increase by a further 8%
in 2006 and the prospects are reasonable for similar growth up to
2010 as per the 7th NDP.
The industry has carved a unique niche in the world of fish products
by relying on pole and line and long-line technology and is known
for stocking shelves in the United Kingdom with cans of skipjack
tuna labelled “eco-friendly” and “dolphin friendly.” Fishing is the
second leading sector and major export earner and accounted for
eight percent of GDP and 98 percent of domestic exports. Frozen
products rule in volume (66 percent) and value (35 percent) with
dried and salted products and fresh-on-ice products followed by
canned products.
The 7th National Development phase (7th NDP) covering the period
2006 - 2010 there will be incorporated a master plan for the fisheries
sector which will cover specific policies and procedures for the future
developments of the industry.
32
THE DIRECTORS’REPORT
BANK OF MALDIVES PLC - ANNUAL REPORT 2005
Many island communities depend on fishing industry. The Bank
has continued to be actively involved in this sector and plays an
important role in supporting the fishermen in the atolls through its
Development Banking activities via the Bank’s branches and mobile
banking units. The Bank will also be actively seeking opportunities
to support the growth of the fisheries sector via financing of fishing
vessel (dhoni), providing working capital needs and financing of
processing plants.
The Construction Sector
It is projected that many large construction projects will be
undertaken during the year. One of which is the development of
232 apartments in Hulhumale’, which was proposed at the start of
the year. Additionally Hulhumale’ Development Corporation is
reported to offer small plots of land towards the end of the year for
residential developments. These projects will give the Bank
opportunities to finance the contractors as it is expected that
Housing Development Finance Corporation (HDFC) will meet the
residential housing credit requirement.
Another construction project which will be carried out during the
year is the reconstruction of houses in the island communities
affected by the tsunami.
Bank will continue to finance the local contractors to government
and private sector projects. Also, the Bank continues to grant credit
to both residential and commercial properties in Male’ and the atolls.
A Phenomenal year
We had another phenomenal year. In previous years, we had strived
to become a key market player providing a full range of banking
products and services developed over an extensive branch network
in the Financial Sector in Maldives.
We want to acknowledge here the commitment, the dynamism
and innovative capacities of all our staff, in every nook and cranny
of the Bank of Maldives network. The staff has made every effort
to make this phenomenal performance possible and we would like
to take this opportunity to appreciate their efforts. Our deep
appreciations go out to all directors on the Board, Ministry of Finance
and Treasury (MOFT) and Maldives Monetory Authority (MMA) for
their guidance provided to us.
Most importantly, our heartfelt gratitude goes to all our loyal
customers, who bond with the bank in nation building through
productive contribution to the economy. It would be a continuous
challenge for the bank to be the People’s Bank to all the Maldivians.
Responsibility Statement
The Board of Directors hereby states:
i. that in the preparation of annual accounts, the applicable
accounting standards have been followed along with
proper explanation relating to material departures;
ii. that it has selected such accounting policies and applied
them consistently and made judgments and estimates
that are reasonable and prudent so as to give a true and
fair view of the state of affairs of the Bank as at 31st
December 2005, and of the profit or loss of the Bank for
the year ended on that date;
iii. that it has taken proper and sufficient care for the
maintenance of adequate accounting records in
accordance with the provisions of the Companies Act of
the Republic of Maldives, Law No: 10/96, Regulations
for Banks and Financial Institutions (1988) issued by
the Maldives Monetary Authority for safeguarding the
assets of the Bank and preventing and detecting frauds
and other irregularities and the Listing Rules of the
Capital Market Development Section of Maldives
Monetary Authority; and
iv. that it has prepared the accounts on a going concern basis.
The Board of Directors affirms that there are no other interests of
the Directors of the Bank except those disclosed in this report and
the accompanying financial statements.
The Board of Directors further affirms that no events have occurred
since the balance sheet date, which would require adjustments to,
or disclosure in, the financial statements.
Government Nominated Directors and Election of Directors
by General Public Shareholders
The year 2005 began with the following members in the 11 member
Board of Directors of the Bank.
33
THE DIRECTORS’REPORT
BANK OF MALDIVES PLC - ANNUAL REPORT 2005
1. Mr Ibrahim Zuhair, Chairman of the Board
(Government appointed)
2. Dr Ahmed Shaheed
(Government appointed)
3. Mr Abdul Razzak Idris
(Government appointed)
4. Mr Mohamed Hussain Maniku
(Government appointed)
5. Mr Mohamed Ahmed Didi
(Government appointed)
6. Ms Nadiya Hassan
(Government appointed)
7. Ms Aminath Ali Maniku
(Government appointed)
8. Ms Fathimath Sheereen Abdulla
(Elected by public shareholders)
9. Mr Ahmed Hamza
(Elected by public shareholders)
10. Mr Mohamed Abdul Sattar
(Elected by public shareholders)
11. Ms Serene Ho Oi Khuen (GM/CEO)
(ex-officio Director)
In accordance with Article 41-01 of the Articles of Association of
the Bank, the Government nominated the following 7 Directors for
2005/2006 at the dawn of the 22nd Annual General Meeting held
on 29th June 2005.
1. Mr Abdulla Saeed, (Chairman of the Board), M.Nirolhu
2. Dr Ahmed Shaheed
3. Mr Abdul Razzak Idris
4. Mr Mohamed Hussain Maniku
5. Mr Mohamed Ahmed Didi
6. Ms Aminath Ali Maniku
7. Ms Fathimath Nuzuha
As per the practice, the following 3 Directors elected by general
public shareholders in the 21st Annual General Meeting in 2004
retired during the 22nd Annual General Meeting held on 29th June
2005. A retiring director, however, is eligible for re-election.
Ms Fathimath Sheereen Abdulla
Mr Ahmed Hamza
Mr Mohamed Abdul Sattar
In accordance with Article 41-02 of the Articles of Association of
the Bank and as per the procedures followed by the Bank, the
general public shareholders elected the following 3 Directors to
the Board.
Ms Fathimath Sheereen Abdulla
Mr Ahmed Hamza
Mr Azam Farish
The Executive Committee(EC) of the Board of Directors comprised
the following members at the beginning of 2005.
Mr Mohamed Ahmed Didi
- Government Director (Chairman of EC)
Ms Aminath Ali Maniku
- Government Director
Ms Nadiya Hassan
- Government Director
Mr Mohamed Abdul Sattar
- Elected Director
Ms Serene Ho Oi Khuen (GM/CEO)
- Ex-Officio Director
Following the 22nd Annual General Meeting, a new EC was
constituted on 17th July 2005 with the following members.
Mr Mohamed Hussain Maniku
- Government Director (Chairman of EC)
Mr Abdul Razzak Idris
- Government Director
Ms Aminath Ali Maniku
- Government Director
Mr Ahmed Hamza
- Elected Director
Ms Serene Ho Oi Khuen (GM/CEO)
- Ex-Officio Director
34 BANK OF MALDIVES PLC - ANNUAL REPORT 2005
THE DIRECTORS’REPORT
On 01st September 2005, the Government appointed Mr Abdul
Hameed Mohamed as the Chairman of the Board when the
appointed former Chairman Mr Abdulla Saeed, M.Nirolhu resigned.
On 30th October 2005, the Government changed some of its
appointed members and the following 7 members remained as
nominated directors when the year 2005 closed.
Mr Abdul Hameed Mohamed (Chairman)
Mr Mohamed Hussain Maniku
Mr Mohamed Ahmed Didi
Ms Fathimath Nuzuha
Mr Imad Solih
Mr Ahmed Imad Mohamed
Mr Mohamed Abdul Sattar
With these changes in the Board, a new EC was constituted on 19th
December 2005 with the following members.
Mr Mohamed Hussain Maniku
- Government Director (Chairman of EC)
Mr Mohamed Abdul Sattar
- Government Director
Ms Fathimath Nuzuha
- Government Director
Mr Ahmed Hamza
- Elected Director
Ms Serene Ho Oi Khuen (GM/CEO)
- Ex-Officio Director
The Bank welcomes the new Directors to the Board.
The Bank also places on record the valuable contributions to the
deliberations of the Board by former Chairman of the Board Mr
Ibrahim Zuhair and former members of the Board for their
contributions.
The Board of Directors held 28 meetings during the year 2005.
The Executive Committee held no meeting during the year 2005.
The Board members were not paid a salary; until 01st November
2005, the Bank paid Board members an honorarium for the
attended meetings. The honorariums fixed by the Board of Directors
on 20th July 1994 were Rf 500/- per sitting of the Board and Rf
400/- per sitting of the Executive Committee.
The Board of Directors in its 258th meeting held on 19th December
2005 resolved to pay a monthly Board allowance of Rf 5,000/- per
member effective from 01st November 2005. The Directors are now
paid this monthly allowance.
Appointment of Auditors
In accordance with Article 78 of the Articles of Association of the
Bank, a resolution passed in the 22nd Annual General Meeting held
on 29th June 2005, M/s PricewaterhouseCoopers (Chartered
Accountants), P.O. Box 20124, 02-03, 2nd Floor, Aage, 12,
Boduthakurufaanu Magu, Male’, Republic of Maldives were
re-appointed as Auditors of the Bank.
Conclusion
The Board of Directors takes this opportunity to acknowledge the
invaluable support and cooperation extended to the Bank by the
Ministry of Finance and Treasury and the Maldives Monetary
Authority.
The Board of Directors appreciates and thanks the shareholders
and customers of the Bank for their close relations and confidence
in the Bank.
The Board of Directors also wishes to express appreciation to the
Management and employees of the Bank for their dedicated and
efficient services and continued efforts in achieving the goals of
the organisation.
Board of Directors
Bank of Maldives Plc
07th May 2006
35BANK OF MALDIVES PLC - ANNUAL REPORT 2005
REPORT OFTHE AUDITORS
REPORT OF THE AUDITORS
To the members of Bank of Maldives Plc
1 We have audited the accompanying balance sheet of Bank of Maldives Plc as of 31st December 2005 and the related statements of
income, changes in equity and cash flows for the year then ended, together with the accounting policies and notes as set out on
pages 36 to 59.
Respective Responsibilities of Directors and Auditors
2 The financial statements, set out on pages 36 to 59 are the responsibility of the Company’s Directors. Our responsibility is to
express an opinion on these financial statements based on our audit.
Basis of Opinion
3 We conducted our audit in accordance with International Standards on Auditing. Those Standards require that we plan and
perform the audit to obtain reasonable assurance about whether the financial statements are free of material misstatement. An
audit includes examining, on a test basis, evidence supporting the amounts and disclosures in the financial statements. An audit
also includes assessing the accounting principles used and significant estimates made by management, as well as evaluating the
overall financial statement presentation. We believe that our audit provides a reasonable basis for our opinion.
Opinion
4 In our opinion, the financial statements give a true and fair view of the financial position of Bank of Maldives Plc as of 31st
December 2005 and of the results of its operations, changes in equity and its cash flows for the year then ended in accordance
with International Accounting Standards.
PricewaterhouseCoopers
Chartered Accountants
Male’
11th April 2006
36 BANK OF MALDIVES PLC - ANNUAL REPORT 2005
INCOMESTATEMENT
(all amounts in Maldivian Rufiyaa)
Gross income
Interest income
Interest expense
Net interest income
Fee and commission income
Dividend income
Net trading income
Other operating income
Operating income
Less : Operating expenses
Staff costs
Premises, equipment and establishment
expenses
Provision for bad and doubtful debts
Other operating expenses
Profit before tax
Income tax expense
Net profit for the year
Earnings per share - basic
Notes
4
5
5
5
6
7
8
9
10
11
12
13
15
2005
359,024,372
238,574,737
(63,515,271)
175,059,466
95,367,628
250,000
13,639,896
11,192,111
295,509,101
(40,453,697)
(23,883,349)
(54,659,319)
(50,592,190)
125,920,546
(31,480,137)
94,440,409
775.88
2004
286,588,701
198,543,251
(55,355,937)
143,187,314
59,985,663
-
12,117,771
15,942,016
231,232,764
(34,863,272)
(21,625,974)
(42,067,794)
(29,909,167)
102,766,557
(26,083,614)
76,682,943
629.99
Year ended 31 December
The notes on pages 40 to 59 are an integral part of these financial statements.
37BANK OF MALDIVES PLC - ANNUAL REPORT 2005
BALANCESHEET
(all amounts in Maldivian Rufiyaa)
ASSETS
Cash and short term funds
Balances with Maldives Monetary Authority
Bills of exchange
Loans and advances
Investment
Property, plant and equipment
Other assets
Total assets
LIABILITIES
Deposits from non-bank customers
Borrowings
Bills, acceptances and other documentary credits
Other liabilities
Current tax
Deferred tax liabilities
Dividends payable
Total liabilities
SHAREHOLDERS' EQUITY
Share capital
Share premium
Reserves
Total shareholders' equity
Total equity and liabilities
Commitments and contingencies
Notes
16
17
19
20
23
24
25
26
27
29
28
30
30
31
32
2005
220,596,516
891,215,073
61,601,044
2,827,517,439
16,425,000
75,184,469
29,545,240
4,122,084,781
3,539,667,602
71,098,000
2,180,851
52,107,681
30,514,598
4,670,574
641,225
3,700,880,531
36,516,000
11,270,040
373,418,210
421,204,250
4,122,084,781
682,703,654
2004
472,835,206
840,151,950
32,763,935
1,821,166,165
11,425,000
75,983,424
26,763,474
3,281,089,154
2,776,190,087
89,087,943
2,377,552
45,820,283
25,014,493
3,705,035
566,520
2,942,761,913
36,516,000
11,270,040
290,541,201
338,327,241
3,281,089,154
411,903,991
31 December
These financial statements were approved by the Board on 11 April 2006 and signed on their behalf by:
Abdul Hameed Mohamed Fathimath Sheereen Abdulla Serene Ho Oi Khuen
Chairman & Managing Director Director General Manager &
Chief Executive Office
The notes on pages 40 to 59 are an integral part of these financial statements.
38
STATEMENT OFCHANGES IN EQUITY
BANK OF MALDIVES PLC - ANNUAL REPORT 2005
The notes on pages 40 to 59 are an integral part of these financial statements.
(all amounts in Maldivian Rufiyaa)
Balance at 1 January 2004
Net profit
Dividends for 2003
Balance at 31 December 2004
Balance at 1 January 2005
Net profit
Dividends for 2004
Balance at 31 December 2005
Notes
14
14
Share premium
11,270,040
-
-
11,270,040
11,270,040
-
-
11,270,040
Share capital
36,516,000
-
-
36,516,000
36,516,000
-
-
36,516,000
Total
272,599,098
76,682,943
(10,954,800)
338,327,241
338,327,241
94,440,409
(11,563,400)
421,204,250
Reserves
224,813,058
76,682,943
(10,954,800)
290,541,201
290,541,201
94,440,409
(11,563,400)
373,418,210
39
CASH FLOWSTATEMENT
BANK OF MALDIVES PLC - ANNUAL REPORT 2005
The notes on pages 40 to 59 are an integral part of these financial statements.
(all amounts in Maldivian Rufiyaa)
Cash flows from operating activities
Interest receipts
Fees and commission receipts
Dividend income
Net trading income
Other operating income
Interest payments
Cash paid to employees and other expenses
Cash flows from operating profits before changes in
operating assets and liabilities
Changes in operating assets and liabilities:
Increase in reserve deposit with MMA
Decrease in Assigned capital deposit with MMA
Increase in loans and advances to customers
(Increase) / decrease in other assets
Increase in amounts due to customers
Increase in other liabilities
Net cash from operating activities before income tax
Income tax paid
Net cash used in operating activities
Cash flows from investing activities
Purchase of property, plant and equipment
Proceeds from sale of property, plant and equipment
Investment in bonds
Net cash used in investing activities
Cash flows from financing activities
Proceeds from borrowed funds
Repayments of borrowed funds
Dividends paid
Net cash (used in)/from financing activities
Net decrease in cash and cash equivalents
Cash and cash equivalents at beginning of year
Cash and cash equivalents at end of year
Notes
34
24
18
2005
238,574,737
95,367,628
250,000
13,639,896
11,192,111
(63,515,271)
(99,490,075)
196,019,026
(100,980,624)
-
(1,089,847,702)
(6,914,703)
763,477,515
9,174,117
(229,072,371)
(25,014,493)
(254,086,864)
(13,728,556)
137,867
(5,000,000)
(18,590,689)
-
(17,989,943)
(11,488,695)
(29,478,638)
(302,156,191)
522,752,707
220,596,516
2004
198,543,251
59,985,663
-
12,117,771
15,942,016
(55,355,937)
(101,726,759)
129,506,005
(171,736,105)
3,258,000
(821,087,347)
494,912
842,920,666
16,713,481
69,612
(9,862,406)
(9,792,794)
(17,109,777)
112,125
(5,000,000)
(21,997,652)
34,459,865
(13,547,533)
(11,500,420)
9,411,912
(22,378,534)
545,131,241
522,752,707
Year ended 31 December
40
NOTES TO THEFINANCIAL STATEMENTS
BANK OF MALDIVES PLC - ANNUAL REPORT 2005
1 General information
Bank of Maldives Plc is engaged in the business of commercial banking and other financial services including trade financing, custodial
services and development financing.
It is a limited liability Company and is incorporated and domiciled in the Republic of Maldives. The registered office is situated at
11, Boduthakurufaanu Magu, Male', 20094,Republic of Maldives.
The Bank is listed in Maldives stock exchange.
2 Summary of significant accounting policies
The principal accounting policies adopted in the preparation of these financial statements are set out below. These policies have been
consistently applied to all the years presented, unless otherwise stated.
a Basis of presentation
The financial statements are prepared in accordance with International Financial Reporting Standards (IFRS). The financial
statements are prepared under the historical cost convention whereby the transactions are recorded at the values prevailing on
the dates when the assets were acquired, the liabilities were incurred or the capital obtained.
b Foreign currencies translation
Foreign currency transactions of the Bank are accounted for at the exchange rates prevailing at the date of the transactions. Gains
and losses resulting from the settlement of such transactions and from the translation of monetary assets and liabilities
denominated in foreign currencies, are recognised in the income statement. Such balances are translated at year-end mid ex-
change rates unless hedged by forward foreign exchange contracts, in which case the rates specified in such forward contracts are
used.
c Offsetting financial instruments
Financial assets and liabilities are offset and the net amount reported in the balance sheet when there is a legally enforceable right
to set off the recognised amounts and there is an intention to settle on a net basis or realise the asset and settle the liability
simultaneously.
d Financial assets
The Bank classifies its financial assets in the following categories: loans and receivables;held-to-maturity investments; and
available-for-sale financial assets. Management determines the classification of its investments at initial recognition.
(a) Loans and receivables
Loans and receivables are non-derivative financial assets with fixed or determinable payments that are not quoted in an active
market. They arise when the Bank provides money, goods or services directly to a debtor with no intention of trading the
receivable.
(b) Held-to-maturity
Held-to-maturity investments are non-derivative financial assets with fixed or determinable payments and fixed maturities that
the Bank’s management has the positive intention and ability to hold to maturity. Were the Bank to sell other than an insignificant
amount of held-to-maturity assets, the entire category would be tainted and reclassified as available for sale.
41
NOTES TO THEFINANCIAL STATEMENTS
BANK OF MALDIVES PLC - ANNUAL REPORT 2005
(c) Available-for-sale
Available-for-sale investments are those intended to be held for an indefinite period of time, which may be sold in response to
needs for liquidity or changes in interest rates, exchange rates or equity prices.
Purchases and sales of financial assets held to maturity and available for sale are recognised on trade-date – the date on which the
Bank commits to purchase or sell the asset. Loans are recognised when cash is advanced to the borrowers. Financial assets are
initially recognised at cost plus transaction costs for all financial assets not carried at fair value through profit or loss. Financial
assets are derecognised when the rights to receive cash flows from the financial assets have expired or where the Bank has
transferred substantially all risks and rewards of ownership.
Available-for-sale financial assets are subsequently carried at fair value. Gains and losses arising from changes in the fair value of
available-for-sale financial assets are recognised directly in equity, until the financial asset is derecognised or impaired at which
time the cumulative gain or loss previously recognised in equity should be recognised in profit or loss. Dividends on
available-for-sale equity instruments are recognised in the income statement when the entity’s right to receive payment is
established.
The fair value of investments are based on quoted bid prices or amounts derived from cash flow models. Fair values for unlisted
equity securities are estimated using applicable price / earnings or price / cash flow ratios refined to reflect the specific
circumstances of the issuer. Equity securities for which fair values can not be measured reliably are recognised at cost less
impairment. When securities classified as available-for-sale are sold or impaired, the accumulated fair value adjustments are
included in the income statement as gains and losses from investment securities.
e Computer software development costs
Generally, costs associated with developing computer software programmes are recognised as an expense as incurred. However,
expenditure that enhances and extends the benefits of computer software programmes beyond their original specifications and
lives is recognised as a capital improvement and added to the original cost of the software. Computer software development costs
recognised as assets are amortised using the straight-line method over their useful lives.
f Loans and the provisions for loan impairment
All loans and advances are recognised when the cash is advanced to borrowers.
A specific credit risk provision for loan impairment is established to provide for management’s estimate of credit losses as soon as
the recovery of an exposure is identified as doubtful.
Provision for loan impairment are made on the basis of continuous review of all advances to customers, in accordance with the
requirements specified by the Maldives Monetary Authority based on aged classification of advances as follows:
Period outstanding Classification Provision made
3 - 6 months Especially mentioned 5 %
More than 6 months and upto 12 months Substandard 10 % - 20 %
More than 12 months and upto 24 months Doubtful 35 % - 50%
More than 24 months Loss 100%
42
NOTES TO THEFINANCIAL STATEMENTS
BANK OF MALDIVES PLC - ANNUAL REPORT 2005
A general provision for loan impairment is established to conservatively cover losses in the lending portfolio at the balance sheet
date, but which have not been specifically identified as such.
When a loan is deemed uncollectible, it is written off against the related provision for impairments. Subsequent recoveries are
credited to the income statement if previously written off.
g Property, plant and equipment
All property, plant and equipment, which are initially recorded at historical cost, is stated at cost less depreciation.
Depreciation is calculated on the straight-line method to write-off the cost of each asset, to their residual values over their
estimated useful life as follows:
Bank premises - 20 years
Computer hardware and software - 3 - 5 years
Furniture and equipment - 3 - 5 years
Motor vehicles / vessels - 5 years
Leasehold buildings are amortised over the unexpired period of the lease.
The charge for the depreciation commences from the date on which the asset is put to use.
Where the carrying amount of an asset is greater than its estimated recoverable amount, it is written down immediately to its
recoverable amount.
Assets that are subject to amortisation are reviewed for impairment whenever events or changes in circumstances indicate that
the carrying amount may not be recoverable. An asset’s carrying amount is written down immediately to its recoverable amount if
the asset’s carrying amount is greater than its estimated recoverable amount. The recoverable amount is the higher of the asset’s
fair value less costs to sell and value in use.
Gains and losses on disposal of property, plant and equipment are determined by reference to their carrying amount and are taken
into account in determining operating profit.
Repairs and renewals are charged to the income statement when the expenditure is incurred.
h Operating leases
Leases of assets under which all the risks and benefits of ownership are effectively retained by the lessor are classified as operating
leases. Payments made under operating leases are charged to the income statement on a straight-line basis over the period of the
lease.
When an operating lease is terminated before the lease period has expired, any payment required to be made to the lessor by way
of penalty is recognised as an expense in the period in which termination takes place.
i Cash and cash equivalents
For the purposes of the cash flow statement, cash and cash equivalents comprise balances with less than 90 days maturity from
43
NOTES TO THEFINANCIAL STATEMENTS
BANK OF MALDIVES PLC - ANNUAL REPORT 2005
the date of acquisition including cash and amounts due from other banks.
j Provisions
Provisions are recognised when the Bank has a present legal or constructive obligation as a result of past events, it is probable that
an outflow of resources embodying economic benefits will be required to settle the obligation, and a reliable estimate of the amount
of the obligation can be made.
k Defined contribution plan
All employees of the Bank are members of the Bank of Maldives Plc Provident Fund, to which the Bank contributes 10% of
employees' monthly basic salary.
l Deferred income taxes
Deferred income tax is provided in full, using the liability method, on temporary differences arising between the tax bases of assets
and liabilities and their carrying amounts in the financial statements. Currently enacted tax rates are used in the determination of
deferred income tax.
The principal temperory differences arise from depreciation of property, plant and equipment and provision on impairment of loans.
m Acceptances
Acceptances comprise undertaking by the Bank to pay the bills of exchange drawn on customers. The Bank expects most
acceptances to be settled simultaneously with reimbursement from the customers. Acceptances are accounted for as off balance
sheet transactions and are disclosed as contingent liabilities and commitments.
n Fiduciary activities
The Bank commonly acts as trustees and in other fiduciary capacities that result in the holding or placing of assets on behalf of
individuals, trusts, retirement benefit plans and other institutions. These assets and income arising thereon are excluded from
these financial statements, as they are not assets of the Bank.
o Income and expenses
Interest income and expense are recognised in the income statement for all interest bearing instruments on an accrual basis using
the effective yield method based on the actual purchase price.
p Revenue recognition
(a) Interest income from customer advances:
Interest income from advances to customers is recognised on an accrual basis. However, interest income is suspended when loans
become doubtful of collection, such as when overdue by more than 90 days. Such income is excluded from interest income until
received.
(b) Commission and fee income:
Commission and fee income mainly comprise fees receivable from customers for guarantees and other services provided by the
Bank, and fees for foreign and domestic payment tariff. Such income is recognised as revenue as the services are provided.
Income on the endorsement of bills of exchange is recognised only when the bill is received and either issued or endorsed, and the
44
NOTES TO THEFINANCIAL STATEMENTS
BANK OF MALDIVES PLC - ANNUAL REPORT 2005
payment under the particular instrument has been effected.
(c) Recovery of non-performing loans and advances:
Amounts recovered from non-performing loans and advances are recognised as income on a cash basis, to the extent of provision
made.
q Comparatives
Where necessary, comparative figures have been adjusted to conform with changes in presentation in the current year.
3 Use of financial instruments
a A strategy in using financial instruments
By its nature, the Bank's activities are principally related to the use of financial instruments. The Bank accepts deposits from
customers at fixed rates and for various periods and seeks to earn above average interest margins by investing these funds in high
quality assets. The Bank seeks to increase these margins by consolidating short-term funds and lending for longer periods at
higher rates whilst maintaining sufficient liquidity to meet all claims that might fall due.
The Bank also seeks to raise its interest margins by obtaining above average margins, net of provisions, through lending to
commercial and retail borrowers with a range of credit standing. Such exposures involve not just on - balance sheet loans and
advances but the Bank also enters into guarantees and other commitments such as letters of credit and performance.
b Capital adequacy
To monitor the adequacy of its capital, the Bank uses ratios established by the Maldives Monetary Authority (MMA). These ratios
measure capital adequacy (minimum 8% as required by MMA) by comparing the Bank's eligible capital with its balance sheet
assets, off balance sheet commitments and market and other risk positions at weighted amounts to reflect their relative risk.
The Bank's capital adequacy level was as follows: (amounts in Maldivian Rufiyaa '000)
Balance sheet Risk weighted
notional amount amount
2005 2004 2005 2004
Balance sheet assets (net of provisions)
Due from other banks 140,622 400,813 28,124 80,163
Loans and advances to customers 2,889,118 1,853,930 2,889,118 1,853,930
Fixed assets 75,184 75,983 75,184 75,983
Other assets 29,545 26,763 29,545 26,763
Other investments 16,425 11,425 16,425 11,425
3,150,894 2,368,914 3,038,396 2,048,264
Balance sheet positions
Direct credit substitutes 138,791 67,651 138,791 67,651
Transaction related contingencies 398,787 211,757 199,394 105,879
Short term self - liquidating and
trade related contingencies 145,126 132,496 29,025 26,499
682,704 411,904 367,210 200,029
Total risk weighted assets 3,405,606 2,248,293
45
NOTES TO THEFINANCIAL STATEMENTS
BANK OF MALDIVES PLC - ANNUAL REPORT 2005
Capital ratios
Bank % MMA %(minimum)
2005 2004 2005 2004 2005 2004
Tier 1 capital 338,327 272,599 9.93 12.12 4% 4%
Tier 1 + Tier 2 capital 421,204 338,327 12.37 15.05 8% 8%
c Credit risk
The bank takes on exposure to credit risk which is the risk that a counterparty will be unable to pay amounts in full when due.
Exposure to credit risk is managed through regular analysis of the ability of borrowers and potential borrowers to meet interest and
capital repayment obligations and by changing these lending limits where appropriate. Exposure to credit risk is also managed in
part by obtaining collateral and corporate and personal guarantees.
d Interest rate risk
The Bank takes on exposure to the effects of fluctuations in the prevailing levels of market interest rates on its financial position
and cash flows. Interest margins may increase as a result of such changes but may reduce or create losses in the event that
unexpected movements arise.
The Management monitors the mismatch of interest rate and take corrective action on a regular basis.
e Liquidity risk
The Bank is exposed to daily calls on its available cash resources from overnight deposits, current accounts, maturing deposits,
loan draw downs, guarantees and from margin and other calls on cash settled derivatives. The Bank does not maintain cash
resources to meet all of these needs as experience shows that a minimum level of reinvestment of maturing funds can be predicted
with a high level of certainty.
The Management monitors on the minimum proportion of maturing funds available to meet such calls and on the minimum level of
interbank and other borrowing facilities that should be in place to cover withdrawals at unexpected levels of demand.
Maturity analysis
Assets
Money at call and short notice
Balances with MMA
Bills of exchange
Loans and advances
Other assets
Total assets
Liabilities
Deposits
Borrowings
Other liabilities
Total liabilities
Net liquidity gap
Upto
3 months
Rf
98,560,000
891,215,073
61,601,044
824,041,171
243,191,225
2,118,608,513
3,246,747,461
5,867,872
68,695,300
3,321,310,633
(1,202,702,120)
3 - 12
months
Rf
-
-
-
100,711,494
-
100,711,494
284,640,438
7,748,283
-
292,388,721
(191,677,227)
1 - 3
years
Rf
-
-
-
551,227,029
-
551,227,029
8,024,703
25,720,388
-
33,745,091
517,481,938
3 - 5
years
Rf
-
-
-
959,529,465
-
959,529,465
225,000
10,531,614
-
10,756,614
948,772,851
More than
5 years
Rf
-
-
-
392,008,280
-
392,008,280
30,000
21,229,843
21,419,629
42,679,472
349,328,808
Total
Rf
98,560,000
891,215,073
61,601,044
2,827,517,439
243,191,225
4,122,084,781
3,539,667,602
71,098,000
90,114,929
3,700,880,531
421,204,250
46
NOTES TO THEFINANCIAL STATEMENTS
BANK OF MALDIVES PLC - ANNUAL REPORT 2005
An analysis of the interest bearing assets and liabilities based on the remaining period at the balance sheet date to the respective
contractual maturity dates:
Demand and savings deposits have been categorised as upto 3 months maturity group. However a major part of these deposits
represent a core retail deposit base with longer term maturity. Bills of exchange and loans and advances are shown net of interest in
suspense and provision for bad and doubtful debts.
The matching and controlled mismatching of the maturities and interest rates of assets and liabilities is fundamental to the manage-
ment of the Bank. It is unusual for Banks ever to be completely matched since business transacted is often of uncertain term and of
different types. An unmatched position potentially enhances profitability, but also increases the risk of losses.
The maturities of assets and liabilities and the ability to replace, at an acceptable cost, interest bearing liabilities as they mature, are
important factors in assessing the liquidity of the Bank and its exposure to changes in interest rates and exchange rates.
Liquidity requirements to support calls under guarantees and standby letters of credit are considerably less than the amount of the
commitment because the Bank does not generally expect the third party to draw funds under the agreement. The total outstanding
contractual amount of commitments to extend credit does not necessarily represent future cash requirements, since many of these
commitments will expire or terminate without being funded.
47
NOTES TO THEFINANCIAL STATEMENTS
BANK OF MALDIVES PLC - ANNUAL REPORT 2005
4 Gross income
Interest income
Fee and commission income
Dividend income
Net trading income
Other operating income
5 Net interest income
Interest income
Customer advances
Investment securities
MMA certificate of deposits
Short term finance
Assigned capital and reserve deposits
Interest expense
Customers deposits
Borrowed funds
Others
Net interest income
6 Fee and commission income
Commissions on pay orders
Commissions on guarantees
Commissions on documentary credits
Commissions on discounting of bills
Commissions on card operations
Others
7 Dividend income
Available-for-sale securities
2005
238,574,737
95,367,628
250,000
13,639,896
11,192,111
359,024,372
2005
215,614,867
451,370
6,605,547
8,271,276
7,631,677
238,574,737
59,324,022
4,154,503
36,746
63,515,271
175,059,466
2005
20,071,297
7,344,114
4,269,696
5,372,970
47,807,877
10,501,674
95,367,628
2005
250,000
2004
198,543,251
59,985,663
-
12,117,771
15,942,016
286,588,701
2004
178,335,062
-
6,564,820
7,562,084
6,081,285
198,543,251
50,833,355
4,517,284
5,298
55,355,937
143,187,314
2004
17,373,346
8,514,733
3,333,808
5,186,936
16,179,237
9,397,603
59,985,663
2004
-
(all amounts are shown in Maldivian Rufiyaa unless otherwise stated)
48 BANK OF MALDIVES PLC - ANNUAL REPORT 2005
NOTES TO THEFINANCIAL STATEMENTS
8 Other operating income
Telex and fax charges recoveries
Recovery of non-performing advances
Recovery of bad debts previously written off
Profit on disposal of property, plant and equipment
Others
9 Staff costs
Salaries
Incentive bonus
Other allowances
10 Premises, equipment and establishment expenses
Depreciation (Note 24)
Operating lease rentals
- property
Rentals
Electricity
Insurance
Repairs and maintenance
Others
11 Provision for bad and doubtful debts
Specific provision for loans and advances
General provision for loans and advances
2005
4,165,563
5,352,638
4,547
68,931
1,600,432
11,192,111
2005
18,327,156
5,633,611
16,492,930
40,453,697
2005
14,458,575
2,155,245
116,290
3,544,382
581,447
2,912,011
115,399
23,883,349
2005
34,001,968
20,657,351
54,659,319
2004
3,660,302
10,767,000
89,750
86,701
1,338,263
15,942,016
2004
16,297,823
4,837,668
13,727,781
34,863,272
2004
13,052,104
1,997,301
231,909
2,850,542
404,494
2,969,178
120,446
21,625,974
2004
35,772,047
6,295,747
42,067,794
The number of persons employed by the Bank as at year end was 418 (2004: 328).
(all amounts are shown in Maldivian Rufiyaa unless otherwise stated)
49BANK OF MALDIVES PLC - ANNUAL REPORT 2005
NOTES TO THEFINANCIAL STATEMENTS
(all amounts are shown in Maldivian Rufiyaa unless otherwise stated)
12 Other operating expenses
Directors fees
Legal charges
Auditors' remuneration
Donations
Communication expenses
Consultancy fees
Software license fees
Stationery expenses
Advertisement
Cash carrying expenses
Subscription
Credit card expenses
Membership fees
Bad-debts written off
Others
13 Income tax expense
Current tax
Deferred tax (Note 28)
Profit before tax
Tax calculated at a tax rate of 25%
Expenses not deductible for tax purposes
2005
200,000
339,336
163,840
-
7,500,692
1,189,692
5,381,812
5,129,385
1,501,037
95,619
124,273
18,756,239
5,169,120
86,196
4,954,949
50,592,190
2005
30,514,598
965,539
31,480,137
2005
125,920,546
2005
31,480,137
-
31,480,137
2004
124,500
558,861
143,360
215,940
7,160,167
1,312,591
4,989,170
3,397,555
1,371,896
74,542
97,673
5,917,307
-
-
4,545,605
29,909,167
2004
25,014,493
1,069,121
26,083,614
2004
102,766,557
2004
25,691,639
391,975
26,083,614
The tax on Bank's profit before tax differs from the theoretical amount that would arise using
the basic tax rate as follows:
Further information about deferred income tax is presented in Note 28.
14 Dividends
Dividends payable are not accounted for until they have been ratified at the Annual General Meeting. At the meeting of Board of
Directors held on 11 April 2006, a dividend in respect of 2005 of Rf 100 per share (2004 - Rf 95 per share) amounting to a total of
Rf 12,172,000 (2004-Rf 11,563,400) was proposed. These financial statements do not reflect this dividend payable, which will be
accounted for under shareholders' equity as an appropriation of retained earnings for the year ending 31 December 2006.
50
NOTES TO THEFINANCIAL STATEMENTS
BANK OF MALDIVES PLC - ANNUAL REPORT 2005
(all amounts are shown in Maldivian Rufiyaa unless otherwise stated)
Cash and short term funds (Note 16)
Certificates of deposit (Note 17)
19 Bills of exchange
Export bills
Import bills
Less : Provision for impairment [Note 20 (a)]
Net bills of exchange
15 Earnings per share
Basic earnings per share is calculated by dividing the net profit attributable to shareholders by
the weighted average number of ordinary shares in issue during the year.
Net profit attributable to shareholders
Weighted average number of ordinary shares in issue
Basic earnings per share
16 Cash and short term funds
Cash in hand
Balances with other banks
Money at call and short notice
17 Balances with Maldives Monetary Authority (MMA)
Assigned capital deposit
Reserve deposit
Certificates of deposit
2005
94,440,409
121,720
775.88
2005
79,974,074
42,062,442
98,560,000
220,596,516
2005
15,000,000
876,215,073
-
891,215,073
2004
76,682,943
121,720
629.99
2004
72,021,641
36,561,340
364,252,225
472,835,206
2004
15,000,000
775,234,449
49,917,501
840,151,950
(a) Assigned capital deposit :
As per the regulations of Maldives Monetary Authority (MMA) the Bank is required to maintain a reserve of 50% of the minimum
required capital, as assigned capital deposit.
(b) Reserve deposit :
MMA regulations require the commercial banks to maintain a reserve of 30% of demand and time liabilities, excluding interbank
liabilities and margin deposits for Male' based branches, and it is 15% for other branches.
18 Cash and cash equivalents
For the purposes of cash flow statement, cash and cash equivalents comprise the following balances with less than 90 days
maturity:
2005
220,596,516
-
220,596,516
2005
30,527,168
39,619,933
(8,546,057)
61,601,044
2004
472,835,206
49,917,501
522,752,707
2004
2,872,395
31,099,225
(1,207,685)
32,763,935
51
NOTES TO THEFINANCIAL STATEMENTS
BANK OF MALDIVES PLC - ANNUAL REPORT 2005
(all amounts are shown in Maldivian Rufiyaa unless otherwise stated)
20 Loans and advances
Overdrafts
Target group loans
Non target group loans
Trust receipts
Credit card balances
Staff loans
Less : Provision for impairment [Note 20 (a)]
Interest in suspense (Note 21)
Net loans and advances
(a) Movement in provision for impairment are as follows:
(i) Specific provision
Balance at 1 January
Amount recovered during the year
Provision made during the year
Balance at 31 December
(ii) General provision
Balance at 1 January
Provision made during the year
Balance at 31 December
Total
Represented by:
Loans and advances
Bills of exchange
21 Movement in interest in suspense
Balance at 1 January
Amount suspended during the year
Amount reversed due to recovery and reschedulement
Balance at 31 December
Loans and advances
Bills of exchange
2005
803,307,153
330,806,045
1,843,700,581
20,474,667
50,768,595
9,928,540
3,058,985,581
(128,464,593)
(103,003,549)
2,827,517,439
2005
77,266,222
(5,352,638)
34,001,968
105,915,552
10,437,747
20,657,351
31,095,098
137,010,650
128,464,593
8,546,057
137,010,650
2005
62,860,069
42,479,919
(2,336,439)
103,003,549
2005
258,172,134
29,412,459
287,584,593
2004
485,153,315
126,883,254
1,304,083,197
35,386,513
10,878,524
8,137,715
1,970,522,518
(86,496,284)
(62,860,069)
1,821,166,165
2004
52,261,175
(10,767,000)
35,772,047
77,266,222
4,142,000
6,295,747
10,437,747
87,703,969
86,496,284
1,207,685
87,703,969
2004
68,111,732
25,239,568
(30,491,231)
62,860,069
2004
234,695,046
15,010,334
249,705,380
22 Assets quality
Non performing assets included as advances and bills of exchange on which interest is not being accrued are as follows:
52
(all amounts are shown in Maldivian Rufiyaa unless otherwise stated)
BANK OF MALDIVES PLC - ANNUAL REPORT 2005
NOTES TO THEFINANCIAL STATEMENTS
Available-for-sale investments consist of investment in equity shares of MFLC and held-to-maturity investments consists of
investment in bonds issued by Housing Development Finance Corporation Ltd, are stated at cost, since the fair value of these
unlisted shares and bonds cannot be measured reliably.
23 Investment
At the beginning of the year
Additions
At the end of the year
Available
-for-sale
6,425,000
-
6,425,000
Held -to-
maturity
5,000,000
5,000,000
10,000,000
Total
2005
11,425,000
5,000,000
16,425,000
Total
2004
6,425,000
5,000,000
11,425,000
Cost of property, plant
and equipment
Balance at beginning of the
year
Additions during the year
Disposals during the year
Balance at
end of the year
Accumulated
depreciation
Balance at
beginning of the year
Depreciation for
the year (Note 10)
Depreciation on disposals
Balance at
end of the year
Net book value at
end of the year
Bank
premises
64,189,677
-
-
64,189,677
19,251,120
3,209,496
-
22,460,616
41,729,061
Leasehold
buildings
2,530,147
702,069
-
3,232,216
1,381,941
407,196
-
1,789,137
1,443,079
Computer
equipment
60,180,760
10,736,298
(502,877)
70,414,181
33,837,585
9,174,982
(434,612)
42,577,955
27,836,226
Furniture &
equipment
8,550,456
1,749,758
(210,378)
10,089,836
6,011,962
1,318,726
(209,707)
7,120,981
2,968,855
Motor
vehicles
& vessels
6,286,212
540,431
(3,210)
6,823,433
5,271,220
348,175
(3,210)
5,616,185
1,207,248
Total
2005
141,737,252
13,728,556
(716,465)
154,749,343
65,753,828
14,458,575
(647,529)
79,564,874
75,184,469
Total
2004
125,798,576
17,109,777
(1,171,101)
141,737,252
53,847,401
13,052,104
(1,145,677)
65,753,828
75,983,424
24 Property, plant and equipment
(a) Some of the branch offices operate from premises leased from third parties, for which an aggregate sum of Rf 2,155,245
(2004 - Rf 1,997,301 ) were paid as operating lease rentals.
(b) The cost of fully depreciated assets at the balance sheet date amounted to Rf 21,246,604 ( 2004 - Rf 22,306,462 )
53
(all amounts are shown in Maldivian Rufiyaa unless otherwise stated)
BANK OF MALDIVES PLC - ANNUAL REPORT 2005
NOTES TO THEFINANCIAL STATEMENTS
The Bank has entered into a Subsidiary Loan agreement with the Government of Maldives to execute the Atoll Credit and Development
Banking Project. Under this agreement the Development Banking Cell of the Bank has received funds, to be disbursed under a
refinance scheme sponsored by International Fund for Agricultural Development (IFAD). These funds are received from the Government
at 1% interest per annum during the six year project period and 3% per annum thereafter, over the remaining period. The interest
and principal shall be repayable in 40 semi annual installments in Rufiyaa beginning from May 2000 until November 2019.
Further, the Bank has entered into another Subsidiary Agreement with the Government to execute Southern Atolls Development
Project covering Southern Atolls of the Republic of Maldives in December 1996. Under the Subsidiary Agreement the Bank receives
funds to be disbursed under refinance schemes sponsored by International Fund for Agricultural Development (IFAD) and Organisation
of Petroleum Exporting Countries (OPEC). These funds obtained from the Government of Maldives carry 5% interest per annum for
the six years and the subsequent rate of interest will be determined based on the market deposit rates, the sustainability of
development banking operations and the need for the Bank to cover its transaction costs from the available spread. The principal
is repayable in 30 equal semi annual installments starting from March 2002 until September 2016.
DEG is a financial institution funded by the Federal Republic of Germany. The bank obtained a loan of Deutsche Mark eight million
(DM 8 million) during 1998. The interest rate of the loan is EURO LIBOR plus 3.35% p.a on the balance outstanding and the interest
is payable semi annually in arrears. The interest and principal shall be repaid in 12 semi annual installments in Euro beginning from
November 1999 until May 2005 and is secured by the guarantee of Government of Republic of Maldives. This loan was fully repaid
by 17 May 2005.
25 Other assets
Deposits and prepayments
Other debtors
2005
21,526,332
8,018,908
29,545,240
2004
25,659,269
1,104,205
26,763,474
26 Deposits from non-bank customers
Current account deposits
Saving deposits
Term deposits
Margins on letters of credit
Margins on bank guarantee
27 Borrowings
International Fund for Agricultural Development (IFAD)
Organization of Petroleum Exporting Countries (OPEC)
German Investment and Development Company (DEG)
2005
1,360,205,118
1,516,111,086
575,094,976
33,079,047
55,177,375
3,539,667,602
2005
38,325,834
7,477,775
25,294,391
71,098,000
2004
936,695,589
1,222,170,179
587,873,852
11,695,876
17,754,591
2,776,190,087
2004
41,269,793
8,097,798
39,720,352
89,087,943
Included in customer accounts are deposits of Rufiyaa 88,256,422 ( 2004 - Rf 29,450,467) held as collateral for irrevocable
commitments under import letters of credit and bank guarantees.
All deposits have fixed interest rates.
54
(all amounts are shown in Maldivian Rufiyaa unless otherwise stated)
NOTES TO THEFINANCIAL STATEMENTS
BANK OF MALDIVES PLC - ANNUAL REPORT 2005
Further, the bank has obtained a loan from DEG for Euro two million (EUR 2 Million) during 2004. The interest rate of the loan is
EURO LIBOR plus 3.35% p.a. on the balance outstanding and the interest is payable semi-annually in arrears. The interest and
principal shall be repaid in 6 semi annual instalments in Euro beginning from November 2005 until May 2008 and is secured by the
guarantee of Government of Republic of Maldives.
During the year, the Bank managed and administered a loan scheme called Island Livelihood Revitalisation Development Programme
Fund (ILRDP) on behalf of Government of Maldives to provide financial assistance to revive economic activities in Tsunami affected
islands. The Bank has also entered into an agreement with Maldives National Chamber for Commerce and Industries and Maldives
Association of Tourism Industry to manage and administer another loan scheme called Livelihood Revitalization Programme Fund
(LRP) to provide financial assistance to revive economic activities for the benefit of individual/s community based organizations
(CBOs) and business enterprises from Tsunami Affected Islands.
The movement of the fund during the year is as follows:
Maturity of borrowings
Not later than 1 year
Later than 1 year and not later than 5 years
Later than 5 years
2005
13,616,155
36,252,002
21,229,843
71,098,000
2005
3,705,035
965,539
4,670,574
2005
965,539
2004
14,914,359
42,328,475
31,845,109
89,087,943
2004
2,635,914
1,069,121
3,705,035
2004
1,069,121
29 Other liabilities
Accrued expenses
Employees provident fund
Provision for other losses
Sundry creditors
ILRDP and LRP fund
2005
9,323,414
21,419,269
120,800
14,549,505
6,694,693
52,107,681
2004
12,272,535
16,502,485
255,099
16,790,164
-
45,820,283
28 Deferred income taxes
Deferred income taxes are calculated on all temporary differences under the liability method using an effective tax rate of 25%.
The movement on the deferred tax account is as follows :
At the beginning of the year
Accelerated tax depreciation
At end of the year
The deferred tax charge in the income statement represent the following temporary difference:
Accelerated tax depreciation
27 Borrowings (continued)
55
(all amounts are shown in Maldivian Rufiyaa unless otherwise stated)
NOTES TO THEFINANCIAL STATEMENTS
BANK OF MALDIVES PLC - ANNUAL REPORT 2005
The total authorised number of ordinary shares is 1,000,000 shares (2004 - 1,000,000 shares) with a par value of Rf 300 (2004
- Rf 300) per share. All issued shares are fully paid.
30 Ordinary shares and share premium
At 31 December 2004
At 31 December 2005
Number
of shares
121,720
121,720
Ordinary
shares
36,516,000
36,516,000
Share
premium
11,270,040
11,270,040
Total
47,786,040
47,786,040
Island Livelihood Revitalisation Development
programme Fund
Amount received
Add: Interest accrued on loans during the year
Less: Administration fees
Less: Loans and advances at the year-end
Livelihood Revitalization Programme Fund
Amount received
Total fund
2005
6,375,000
153,039
(112,645)
(6,258,050)
157,344
6,537,349
6,694,693
2004
-
-
-
-
-
-
-
29 Other liabilities (continued)
31 Reserves
Statutory reserve
Assigned capital reserve
General reserve
Total reserves at end of year
Movement in reserves were as follows:
Statutory reserve
At beginning of year
Transfer to general reserve
At end of year
Assigned capital reserve
At beginning of year
At end of year
2005
30,000,000
6,000,000
337,418,210
373,418,210
30,000,000
-
30,000,000
6,000,000
6,000,000
2004
30,000,000
6,000,000
254,541,201
290,541,201
54,457,899
(24,457,899)
30,000,000
6,000,000
6,000,000
56
(all amounts are shown in Maldivian Rufiyaa unless otherwise stated)
BANK OF MALDIVES PLC - ANNUAL REPORT 2005
NOTES TO THEFINANCIAL STATEMENTS
31 Reserves (continued)
As per the subsidiary loan agreement between the Bank and the Government of the Republic of Maldives, on Atolls credit and development
banking project, the bank reserved Rf 6.0 Mn as Assigned capital reserve.
General reserve
At beginning of year
Net profit for year
Dividends
Transfer from statutory reserve
At end of year
Total reserves
At beginning of year
Net profit for year
Dividends
At end of year
32 Contingencies
(a) Contingent liabilities
In the normal course of business, the Bank makes various commitments and incurs certain contingent liabilities with legal recourse to its
customers. No material losses are anticipated as a result of these transactions. The commitments are quantified below:
Acceptances
Letters of credit
Guarantees
(b) Unutilised irrevocable commitments
The unutilised value of irrevocable commitments relating to letters of credit, acceptances and permanent overdrafts which cannot be
withdrawn at the discretion of the Bank, without risk of incurring significant penalties or expenses approximates to Rf 214,656,380
(2004: Rf 277,731,268) as at the balance sheet date.
(c) Investment
The Board of Directors of Bank of Maldives Plc has subscribed and paid at par value for a shareholding up to 10 (ten) percent in the total
equity share capital of MFLC at an aggregate amount equal to US$ 500,000 (Rf 6,425,000). The Bank is required to enter into a Put
Option agreement with International Finance Corporation (IFC) and under the said Put Option, IFC shall have the right to sell its shares
in MFLC as specified in the Put Option to, inter alia, the Bank, and the Bank is obliged to purchase from IFC the shares thus offered to the
Bank. The Bank's said obligations under the Put Option may be continued as an unquantifiable contingent liability and the Government
has agreed to indemnify the Bank against such contingent liability.
2005
254,541,201
94,440,409
(11,563,400)
-
337,418,210
2005
290,541,201
94,440,409
(11,563,400)
373,418,210
2005
138,790,098
145,126,480
398,787,076
682,703,654
2004
164,355,159
76,682,943
(10,954,800)
24,457,899
254,541,201
2004
224,813,058
76,682,943
(10,954,800)
290,541,201
2004
67,650,528
132,496,952
211,756,511
411,903,991
57
(all amounts are shown in Maldivian Rufiyaa unless otherwise stated)
BANK OF MALDIVES PLC - ANNUAL REPORT 2005
NOTES TO THEFINANCIAL STATEMENTS
32 Contingencies (continued)
(d) Contingent assets
There were no material contingent assets recognised at the balance sheet date.
33 Commitments
(a) Capital commitments
There were no material capital commitments outstanding as at the balance sheet date.
(b) Operating lease commitments
The future minimum lease payments under non-cancellable operating leases are as follows:
Not later than 1 year
Later than 1 year and not later than 5 years
Later than 5 years
34 Cash generated from operations
Reconciliation of net profit to cash generated from operations:
Profit before tax
Adjustments for :
Depreciation (Note 10)
Profit on sale of property, plant and equipment (Note 8)
Decrease in provision for other losses
Provision for bad and doubtful debts (Note 11)
Decrease in accrued expenses
Increase/(Decrease) in prepayments and advances
Cash generated from operations
2005
2,148,671
5,266,995
2,795,000
10,210,666
2005
125,920,546
14,458,575
(68,931)
(134,299)
54,659,319
(2,949,121)
4,132,937
196,019,026
2004
1,441,780
3,567,920
140,000
5,149,700
2004
102,766,557
13,052,104
(86,701)
(1,745,801)
42,067,794
(2,422,291)
(24,125,657)
129,506,005
35 Related party transactions
The Bank is controlled by Government of Maldives which owns a 51% of the ordinary shares. The remaining 49% of the shares are
widely held.
A number of banking transactions are entered into with State controlled entities in the normal course of business. These include
loans, deposits, trade finance and foreign currency transactions.
58
NOTES TO THEFINANCIAL STATEMENTS
(all amounts are shown in Maldivian Rufiyaa unless otherwise stated)
BANK OF MALDIVES PLC - ANNUAL REPORT 2005
35 Related party transactions (continued)
Transactions with other related parties are as follows:
Party/ies
V.A Pvt. Ltd
Name of Directors/Relationship
Mr. Ahmed Hamza (Director- V.A Pvt. Ltd)
Aggregate amount of accommodation Limit
US$ 500,000.00
Outstanding as at 31.12.05 Direct
(Limit was Sactioned on 28.12.2005, however party availed facility in March 2006)
Nature of Transaction
Letter of Credit cum Overdraft
Security
i. Mortgage of house name “Willows”,Villingili, Male’ Bearing registry no. A-4120 within 130.05sq.m of private land owned by Mr.
Ali Yoosuf (Guarantor), insured in the name of the borrower for US$450,000.00.
ii. Mortgage of shop situated at No. 75 Majeedheemagu, Male’ bearing registry no. AB/F.51 within 393 sq.ft of government land
owned by Mr. Mohamed Latheef (Guarantor and Director of the Borrower) insured in the name of the Borrower for Rf 4,000,000.00.
iii. Mortgage, Hypothecate, deposit with and pledge to the Bank and also pledges, mortgages, hypothecates and create fixed and
floating charge to the Bank, by way of first charge over the stock in trade at all shop and godowns owned by the Borrower,
insured in the name of the owner for Rf 1,750,000.00.
iv. Personal Guarantee of the following Directors of the Borrower:
a) Ms. Shamsul Muna, Alanaasige, S. Maradhoo Feydhoo.
b) Mr. Moahmed Latheef, Alanaasige, S. Maradhoo Feydhoo.
c) Mr. Ali Shiyaam, Alanaasige, S. Maradhoo Feydhoo.
d) Mr. Ahmed Hamza, Alanaasige, S. Maradhoo Feydhoo.
e) Mr. Ibrahim Jihad, M. Three A Villa, Male’
f) Ms. Shamoona Abdulla, M. Three A Villa, Male’
59
NOTES TO THEFINANCIAL STATEMENTS
(all amounts are shown in Maldivian Rufiyaa unless otherwise stated)
BANK OF MALDIVES PLC - ANNUAL REPORT 2005
35 Related party transactions (continued)
Party/ies
Edify Maldives Pvt. Ltd
Name of Directors/Relationship
Mr. Mohamed Ahmed Didi (Director-Edify Maldives Pvt. Ltd)
Aggregate amount of accommodation Limit
US$ 5,315.85 (2004:Rf 39,834, US$24,444)
Outstanding as at 31.12.05 Direct
US$ 5,315.85 (2004:Rf 39,834, US$24,444)
Nature of Transaction
Performance Bank Guarantee
Security
100% margin
In 2005, the total remuneration of the directors was Rf 1,479,999 (2004: Rf 1,319,392).
36 Post balance sheet events
No events have occured since the balance sheet date, which would require adjestments to, or discllosure in, the financial statements.
60
mAlIbayAnqtakA guLE mAlIbayAnqtakA guLE mAlIbayAnqtakA guLE mAlIbayAnqtakA guLE mAlIbayAnqtakA guLE
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4- wamiwqla hawisiwqyatunq wanqnanivi DirekqTarunq gerenqTI dIfawi veweve.)h( walqfAMilA Camqsulq munA, walanAsige/ s.maradUfEdU)S( walqfAMilq muHanqmadu laYIfu, walanAsige, s.maradUfEdU)n( walqfAMilq WalI CiyAmq, walanAsige, s.maradUfEdU)r( walqwusqtAJq waHqmadu HamqzA, walanAsige, s.maradUfEdU)b( walqfAMilq wibqrAhImq jihAdu, m.tqrIwE vilA/mAle)L( walqfAMilA CamqWUnA WabqduF, m. tqrI wEvilA/mAle
farAtq/tawq farAtq/tawq farAtq/tawq farAtq/tawq farAtq/tawqweDifawi mOlqDivqsq pqrawiveTq limiTeDqDirekqTarunqge nanq/ guLunq DirekqTarunqge nanq/ guLunq DirekqTarunqge nanq/ guLunq DirekqTarunqge nanq/ guLunq DirekqTarunqge nanq/ guLunqwalqfAMilq muHanqmadu waHqmadu dIdI )DirekqTar - weDifawi mOlqDivqsq pqrawiveTq limiTeDqq(dUkuranq kan dUkuranq kan dUkuranq kan dUkuranq kan dUkuranq kanDaweLi matI minqvaru DaweLi matI minqvaru DaweLi matI minqvaru DaweLi matI minqvaru DaweLi matI minqvaru58.513,5 yUwesq Dolar )4002 gawi 438,93 rufiyA wadi 444,42 yUwesq Dolar (5002-21-13ge niyalaSq bAkI 5002-21-13ge niyalaSq bAkI 5002-21-13ge niyalaSq bAkI 5002-21-13ge niyalaSq bAkI 5002-21-13ge niyalaSq bAkI58.513,5 yUwesq Dolar )4002 gawi 438,93 rufiyA wadi 444,42 yUwesq Dolar (muwAmalAtuge bAvatq muwAmalAtuge bAvatq muwAmalAtuge bAvatq muwAmalAtuge bAvatq muwAmalAtuge bAvatqpArfOrmanqsq bEnqkq geranqTIsekiwuriTI sekiwuriTI sekiwuriTI sekiwuriTI sekiwuriTI
mArjinq 001 winqsawqta
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61
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sAfu fawidA hinqgumunq libunu fawisAwA rikonqsawilqkurunq:
Tekqsq negumuge kurinq wotq fawidA
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bEnqkakI sarukAruge 15 winqsawqta hiwqsAwAweku sarukAruge konqTqrOlq wonqna bEnqkekeve. wanewq94 winqsawqta hiwqsA wakI wekifarAtqtakaSq dUkurevifawivAhiwqsAweve.
wAdawige viyafArIge terEgawi dawulatunq konqTqrOlqkurA farAtqtakAweku muwAmalAtutawq hingaweve. mIgeterEgawi lOnAwi DipoziTAwi viyafAriwaSq fawisA dinumAwibErufawisAge muwAmalAtutawq himeneweve.
guLunqhuri wehenihenq farAtqtakAweku hinqgifawivA muwAmalAtutawq tirIgawi mivanIweve.
farAtq/tawq farAtq/tawq farAtq/tawq farAtq/tawq farAtq/tawqvI.wE pqrawiveTq limiTeDqDirekqTarunqge nanq/ guLunq DirekqTarunqge nanq/ guLunq DirekqTarunqge nanq/ guLunq DirekqTarunqge nanq/ guLunq DirekqTarunqge nanq/ guLunqwalqwusqtAJq waHqmadu HamqzA )DirekqTar - vI.wE pqrawiveTq limiTeDq(dUkuranq kan dUkuranq kan dUkuranq kan dUkuranq kan dUkuranq kanDaweLi matI minqvaru DaweLi matI minqvaru DaweLi matI minqvaru DaweLi matI minqvaru DaweLi matI minqvaru00.000,005 yUwesq Dolar5002-21-13 ge niyalaSq bAkI 5002-21-13 ge niyalaSq bAkI 5002-21-13 ge niyalaSq bAkI 5002-21-13 ge niyalaSq bAkI 5002-21-13 ge niyalaSq bAkI)dUkuranqninqmI 5002-21-82 gawi wekamaku bEnunq kurI mAcq 6002 gawi(
2005
2,148,671
5,266,995
2,795,000
10,210,666
2005
125,920,546
14,458,575
(68,931)
(134,299)
54,659,319
(2,949,121)
4,132,937
196,019,026
2004
1,441,780
3,567,920
140,000
5,149,700
2004
102,766,557
13,052,104
(86,701)
(1,745,801)
42,067,794
(2,422,291)
(24,125,657)
129,506,005
) wehenq gotakaSq bayAnq koSqfawi nuvAnama hurihA wadadewq divehi rufiyA winq(
62
mAlIbayAnqtakA guLE mAlIbayAnqtakA guLE mAlIbayAnqtakA guLE mAlIbayAnqtakA guLE mAlIbayAnqtakA guLE
nOTqtawq nOTqtawq nOTqtawq nOTqtawq nOTqtawq
bEnqkq wofq mOlqDivqsq plk - waharI ripOTq 5002
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)h( rawusqmAluge komiTqmenqTq )h( rawusqmAluge komiTqmenqTq )h( rawusqmAluge komiTqmenqTq )h( rawusqmAluge komiTqmenqTq )h( rawusqmAluge komiTqmenqTq
belenqsq CITq ge tArIKugawi rawusqmAluge komiTqmenqTqge gotugawi dawqkanqjehifawivA wewqcewq neteve.
)S( kuwqyaSq hifumuge komiTqmenqTq )S( kuwqyaSq hifumuge komiTqmenqTq )S( kuwqyaSq hifumuge komiTqmenqTq )S( kuwqyaSq hifumuge komiTqmenqTq )S( kuwqyaSq hifumuge komiTqmenqTq
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2004
67,650,528
132,496,952
211,756,511
411,903,991
2005
138,790,098
145,126,480
398,787,076
682,703,654
23. 23. 23. 23. 23.konqTinqjenqsIzq konqTinqjenqsIzq konqTinqjenqsIzq konqTinqjenqsIzq konqTinqjenqsIzq
)h( konqTinqjenqTq lawibiliTIzq )h( konqTinqjenqTq lawibiliTIzq )h( konqTinqjenqTq lawibiliTIzq )h( konqTinqjenqTq lawibiliTIzq )h( konqTinqjenqTq lawibiliTIzq
wAdawige gotewqgawi bEnqkunq viyafArikurumugawi kasqTamarunqnaSq komiTqve konqTinqjenqTq lawibiliTIzqtawq wufawqdaweve. mifada muwAmalAtuge sababunqboDu gewqlumewq vedAnekamakaSq belifawewq nuveweve. wekomiTqmanqTqtawq wadadutakunq dawqkAgotq tirIgawi wevanIweve.
gabUlukurunqleTar wofq kqreDiTqgaranqTIzq
)S(bEnunqnukurevihuri wanburA nugenevEne komiTqmanqTqsq )S(bEnunqnukurevihuri wanburA nugenevEne komiTqmanqTqsq )S(bEnunqnukurevihuri wanburA nugenevEne komiTqmanqTqsq )S(bEnunqnukurevihuri wanburA nugenevEne komiTqmanqTqsq )S(bEnunqnukurevihuri wanburA nugenevEne komiTqmanqTqsq
leTar wofq kqreDiTAwi gabUlukurunqtakAwi dAwimI wOvarDqrAfqTA guLigenq boDujurumanA wewq nuvata Karadewqge gewqlumAnulawi bEnqkaSq wamiwqla wiKqtiyArugawi,bEnunqnukoSq hurinamavesq wanburA nugenevEne komiTqmanqTq belenqsq CITqge tArIKq gawi gAtqganDakaSq 083,656,412 rufiyA )4002 gawi 862,137,772rufiyA( waSq waraweve.
)n(winqvesqTqmanqTq )n(winqvesqTqmanqTq )n(winqvesqTqmanqTq )n(winqvesqTqmanqTq )n(winqvesqTqmanqTq
bEnqkq wofq mOlqDivqsq plk ge DirekqTarunqge bODunq mOlqDivqsq fawinEnqsq lIsinqg komqpenI pqrawiveTq limiTeDq)wemq.wefq.welq.sI(ge hiwqsAgerawusqmAluge jumqlawige 01 winqsawqta nuvata jumqla 000,005 yUwesq Dolar)000,524,6 rufiyA( ge hiwqsA wEge hama wagugawi gane waguwadAkoSqfawiveweve.wadi miwAvidigenq” puTqwopqCanq“ wewqge daSunq bEnqkAwi winqTarnECanalq fawinEnqsq kOparECanq) wawi.wefq.sI(wA demedu wewqbasqvefawivA wewqbasqvumakunqwemq. wefq. welq. sI. winq wawi. wefq.sI ganefawivA hiwqsA viwqkAlanI nama wehiwqsA bEnqkaSq gatumaSq lAzimukureweve. mi” puTq wopqCanq“ ge daSunq bEnqkaSqlAzimukurA lAzimukurumakI wEge minqvaru kanDawaLanqnEgE lawibiliTIwewqkamaSAwi wadi mifada lawibiliTItakunq bEnqku rawqkAterikoSqdEne kamaSq sarukArunq yagInqkanqlibifawiveweve.
)r( konqTinqjeenqTq weseTqsq )r( konqTinqjeenqTq weseTqsq )r( konqTinqjeenqTq weseTqsq )r( konqTinqjeenqTq weseTqsq )r( konqTinqjeenqTq weseTqsq
belenqsq CITq ge tArIKugawi konqTinqjenqTq weseTqsqge gotugawi wekaSIgenqvA wewqcewq fAhagakoSqfawewq neteve.
) wehenq gotakaSq bayAnq koSqfawi nuvAnama hurihA wadadewq divehi rufiyA winq(
63
mAlIbayAnqtakA guLE mAlIbayAnqtakA guLE mAlIbayAnqtakA guLE mAlIbayAnqtakA guLE mAlIbayAnqtakA guLE
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bEnqkq wofq mOlqDivqsq plk - waharI ripOTq 5002
2005
254,541,201
94,440,409
(11,563,400)
-
337,418,210
2005
290,541,201
94,440,409
(11,563,400)
373,418,210
2004
164,355,159
76,682,943
(10,954,800)
24,457,899
254,541,201
2004
224,813,058
76,682,943
(10,954,800)
290,541,201
weTolqsq kqreDiTq wenqDq DivelopqmanqTq bEnqkinqg pqrojekqTq hinqgumaSq divehi sarukArAwi bEnqkA demedu kurevifawivA wegqrImenqTqge daSunq bEnqkunq6 miliyanq rufiyA wesawinqDq kepiTalq rizAvqge gotugawi bahawqTAfawiveweve.
wAnqmu rizAvq wAnqmu rizAvq wAnqmu rizAvq wAnqmu rizAvq wAnqmu rizAvqwaharu feSunu wiruwaharuge sAfu fawidAbehi fawidAQAnUnI rizAvaSq badalukuriwaharu nimunu wiru
rizAvqge jumqla rizAvqge jumqla rizAvqge jumqla rizAvqge jumqla rizAvqge jumqlawaharu feSunu wiruwaharuge sAfu fawidAbehi fawidAwaharu nimunu wiru
2005
30,000,000
6,000,000
337,418,210
373,418,210
30,000,000
-
30,000,000
6,000,000
6,000,000
2004
30,000,000
6,000,000
254,541,201
290,541,201
54,457,899
(24,457,899)
30,000,000
6,000,000
6,000,000
13. 13. 13. 13. 13.rizAvq rizAvq rizAvq rizAvq rizAvq
QAnUnI rizAvqwesawinqDq kepiTalq rizAvqwAnqmu rizAvqwaharu nimunuwiru jumqla rizAvq
rizAvaSq badaluwawisqfawivAgotq tirIgawi wevanIweve.
QAnUnI rizAvq QAnUnI rizAvq QAnUnI rizAvq QAnUnI rizAvq QAnUnI rizAvqwaharu feSunu wiruwAnqmu rizAvq winq badalukuriwaharu nimunu wiru
wesawinqDq kepiTalq rizAvq wesawinqDq kepiTalq rizAvq wesawinqDq kepiTalq rizAvq wesawinqDq kepiTalq rizAvq wesawinqDq kepiTalq rizAvqwaharu feSunu wiruwaharu nimunu wiru
) wehenq gotakaSq bayAnq koSqfawi nuvAnama hurihA wadadewq divehi rufiyA winq(
64
mAlIbayAnqtakA guLE mAlIbayAnqtakA guLE mAlIbayAnqtakA guLE mAlIbayAnqtakA guLE mAlIbayAnqtakA guLE
nOTqtawq nOTqtawq nOTqtawq nOTqtawq nOTqtawq
bEnqkq wofq mOlqDivqsq plk - waharI ripOTq 5002
92. 92. 92. 92. 92.wehenihenq lawibiliTIzq )wAguLE( wehenihenq lawibiliTIzq )wAguLE( wehenihenq lawibiliTIzq )wAguLE( wehenihenq lawibiliTIzq )wAguLE( wehenihenq lawibiliTIzq )wAguLE(
sunAmIgawi hAlugawi jehunu wigutisAdI harakAtqtawq faSawigatumaSq wehIterivedewqvumuge gotunq sarukArunq hinqgavA wawilenqDq lawivqlihuDq rivawiTalawizECanq DivelopqmanqTqpqrogurAmq fanqDq)wawiwelqwAruDIpI(ge daSunq hinqgavA lOnq sqkImq balahawqTawi hinqgumuge masawqkatq miwaharuterEgawi bEnqkunq kuriweve. hamawehenqme bEnqkAwi divehiviyafAriverinqgeQawumI jamqWiwqyA wAwi mOlqDivqsq wesOsiwECanq wofq TUrizamq winqDasqTqrI wAweku vefawivA wewqbasqvumewqge daSunq wedejamAwatq guLigenq sunAmIgawi hAlugawi jehunuraSqraSuge farudunqnAwi jamAwatqtakAwi viyafArIge harakAtqtawq walunqfaSawigatumaSq wehIterivedinumuge gotunq hinqgi lawivqlihuDq rivawiTalawizECanq pqrogqrAmq fanqDq)welqwArupI(gedaSunq hinqgA lOnu sqkImq hinqgawi balahawqTanI bEnqkunqneve.
03. 03. 03. 03. 03.wAdawige hiwqsA wAwi hiwqsAge mUnumatI wagaSqvure wituraSq huri wAdawige hiwqsA wAwi hiwqsAge mUnumatI wagaSqvure wituraSq huri wAdawige hiwqsA wAwi hiwqsAge mUnumatI wagaSqvure wituraSq huri wAdawige hiwqsA wAwi hiwqsAge mUnumatI wagaSqvure wituraSq huri wAdawige hiwqsA wAwi hiwqsAge mUnumatI wagaSqvure wituraSq huri
hiwqsAge hiwqsAge hiwqsAge hiwqsAge hiwqsAge wAdawige wAdawige wAdawige wAdawige wAdawige hiwqsAge mUnumatI hiwqsAge mUnumatI hiwqsAge mUnumatI hiwqsAge mUnumatI hiwqsAge mUnumatI jumqla jumqla jumqla jumqla jumqla wadadu wadadu wadadu wadadu wadadu hiwqsA hiwqsA hiwqsA hiwqsA hiwqsA wagaSqvure wituru wagaSqvure wituru wagaSqvure wituru wagaSqvure wituru wagaSqvure wituru
13 Disemqbar 4002 gawi13 Disemqbar 5002 gawi
huwqdakurevifawivA wAdawige hiwqsAge wadadakI 000,000,1 )4002 gawi 000,000,1 hiwqsA( weve. mihiwqsAge mUnumatIge wagakI 003 rufiyA)4002 gawi 003 rufiyA( weve. dUkoSqfawivA hurihA hiwqsA wakI furihamawaSq wagu wadAkoSqfawivA hiwqsAweve.
121,720
121,720
36,516,000
36,516,000
11,270,040
11,270,040
47,786,040
47,786,040
wawilenqDq lawivqlihuDq rivawiTalawizECanq DivelopqmanqTq pqrogqrAmq fanqDq wawilenqDq lawivqlihuDq rivawiTalawizECanq DivelopqmanqTq pqrogqrAmq fanqDq wawilenqDq lawivqlihuDq rivawiTalawizECanq DivelopqmanqTq pqrogqrAmq fanqDq wawilenqDq lawivqlihuDq rivawiTalawizECanq DivelopqmanqTq pqrogqrAmq fanqDq wawilenqDq lawivqlihuDq rivawiTalawizECanq DivelopqmanqTq pqrogqrAmq fanqDq libunu wadadu wewqkuranq: waharuterEgawi lOnuge winqTaresqTaSq wituruvi kanDanq: widArI fI kanDanq: waharuge niyalaSq dUkurevunu lOnAwi weDqvAnqsq
lawivqlihuDq rivawiTalawizECanq pqrogqrAmq fanqDq libunu wadadu fanqDqge jumqla
2005
6,375,000
153,039
(112,645)
(6,258,050)
157,344
6,537,349
6,694,693
2004
-
-
-
-
-
-
-
) wehenq gotakaSq bayAnq koSqfawi nuvAnama hurihA wadadewq divehi rufiyA winq(
65
mAlIbayAnqtakA guLE mAlIbayAnqtakA guLE mAlIbayAnqtakA guLE mAlIbayAnqtakA guLE mAlIbayAnqtakA guLE
nOTqtawq nOTqtawq nOTqtawq nOTqtawq nOTqtawq
bEnqkq wofq mOlqDivqsq plk - waharI ripOTq 5002
72. 72. 72. 72. 72.wanburA dawqkanqnagAfawivA fawisA )wAguLE( wanburA dawqkanqnagAfawivA fawisA )wAguLE( wanburA dawqkanqnagAfawivA fawisA )wAguLE( wanburA dawqkanqnagAfawivA fawisA )wAguLE( wanburA dawqkanqnagAfawivA fawisA )wAguLE(
winqsqTOlqmanqTaSq bahawigenq waharaku de winqsqTOlqmanqTq dawqkAgotaSq yUrO winqneve. novemqbar 9991 nq feSigenq mE 5002 ge niyalaSq lOnu dawqkawininqmanqjeheweve. milOnu nagAfawivanIdivehisarukArunq gerenqTI dewqvawigenqneve. milOnuvanI 71 mE 5002 gawi wewqkoSq dawqkA nimifaweve.
mIge wituraSq jArmanq winqvesqTqmanqTq wenqDq DivelopqmanqTq komqpenI )DIwIjI( winq 4002 vana waharu bEnqkaSq 2 miliyaSq yUrOge lOnewq nagAfawiveweve.milOnuge winqTaresqTq dawqkanqjehEgotakI nagAfawi bAkIwonqna wadadewqge mawqcaSq yUrO lawibOwaSqvure 53.3 winq sawqta wituraSeve. wadi winqTaresqTqdawqkanqjehenI waharaku defaharuweve. lOnuge muLi jumqla wAwi winqTaresqTq dawqkanqjehenI 6 winqsqTOlqmanqTaSq bahawigenq waharaku de winqsqTOlqmanqTqdawqkAgotaSq yUrOwinqneve.milOnu novemqbar5002 nq feSigenq mewi 8002 ge niyalaSq dawqkawi ninqmanqjeheweve. milOnu nagAfawivanI divehisarukArunqgerenqTI dewqvawigenqneve.
wanburA dawqkanq nagAfawivA fawisA tasawqrafu fudunq wanburA dawqkanq nagAfawivA fawisA tasawqrafu fudunq wanburA dawqkanq nagAfawivA fawisA tasawqrafu fudunq wanburA dawqkanq nagAfawivA fawisA tasawqrafu fudunq wanburA dawqkanq nagAfawivA fawisA tasawqrafu fudunq
1 waharaSqvure fasqnukoSq1 waharaSqvure fasq 5 waharaSqvure faasqnukoSq5 waharaSqvure fasqkoSq
82. 82. 82. 82. 82.dewqkunq fasqkurevunu fawidA Tekqsq dewqkunq fasqkurevunu fawidA Tekqsq dewqkunq fasqkurevunu fawidA Tekqsq dewqkunq fasqkurevunu fawidA Tekqsq dewqkunq fasqkurevunu fawidA Tekqsq
dewqkunq fasqkurevunu fawidA Tekqsq hisAbukuranI vagutI wadadutakunq Tekqsq rETewqge gotugawi hamajehifawivA 52 winqsawqta nagAgotaSeve.
dewqkunq fasqkurevunu fawidA Tekqsq tirIgawi bayAnqkoSqfawi wevanI:
waharu feSunuwiruhaluwikoSqfawi balaSqkenDumugawi wotq Tekqsqwaharu nimunuwiru
dewqkunq fasqkurevunu fawidA Tekqsq wAmqdanI bayAnugawi tirIgaawivA vagutI tafAtu dawqkaweve.
haluwikoSqfawi balaSqkenDumugawi wotq Tekqsq
2005
13,616,155
36,252,002
21,229,843
71,098,000
2005
3,705,035
965,539
4,670,574
2005
965,539
2004
14,914,359
42,328,475
31,845,109
89,087,943
2004
2,635,914
1,069,121
3,705,035
2004
1,069,121
2005
9,323,414
21,419,269
120,800
14,549,505
6,694,693
52,107,681
2004
12,272,535
16,502,485
255,099
16,790,164
-
45,820,283
92. 92. 92. 92. 92.wehenihenq lawibiliTIzq wehenihenq lawibiliTIzq wehenihenq lawibiliTIzq wehenihenq lawibiliTIzq wehenihenq lawibiliTIzq
jamAkurevifawivA Karadumuvawqzafunqge pqroviDenqTq fanqDqwehenihenq gewqlumaSq kanDaweLisanqDqrI kqreDiTarsqwawiwelqwAruDIpI wAwi welqwArupI fanqDq
) wehenq gotakaSq bayAnq koSqfawi nuvAnama hurihA wadadewq divehi rufiyA winq(
66
mAlIbayAnqtakA guLE mAlIbayAnqtakA guLE mAlIbayAnqtakA guLE mAlIbayAnqtakA guLE mAlIbayAnqtakA guLE
nOTqtawq nOTqtawq nOTqtawq nOTqtawq nOTqtawq
bEnqkq wofq mOlqDivqsq plk - waharI ripOTq 5002
52. 52. 52. 52. 52. wehenihenq weseTq wehenihenq weseTq wehenihenq weseTq wehenihenq weseTq wehenihenq weseTq DipoziTAwi kurinq dawqkAfawi huri wehenihenq daraniverinq
62. 62. 62. 62. 62. wehenq bEnqkutakunq jamAkoSqfawihuri wehenq bEnqkutakunq jamAkoSqfawihuri wehenq bEnqkutakunq jamAkoSqfawihuri wehenq bEnqkutakunq jamAkoSqfawihuri wehenq bEnqkutakunq jamAkoSqfawihuri
karanqTq wekawunqTq DipoziTq sEvinqg DipoziTq TArmq DipoziTq leTar wofq kqreDiTqge mArjinq bEnqku garanqTIge mArjinq
kasqTamarunqge DipoziTqge terEgawi bEnqku garanqTI wAwi mudAweterekurumuge leTar wofq kqreDiTqge sekiwuriTI waSq bahawqTAfawi huri 224,652,88 rufiyA)4002 gawi 764,054,92 rufiyA( himenifawiveweve.
72. 72. 72. 72. 72. wanburA dawqkanqnagAfawivA fawisA wanburA dawqkanqnagAfawivA fawisA wanburA dawqkanqnagAfawivA fawisA wanburA dawqkanqnagAfawivA fawisA wanburA dawqkanqnagAfawivA fawisA
winqTarnECanalq fanqDq for wegqrikalqcaralq DivelopqmanqTq )wifADq( wOganawizECanq wofq peTqrOliwamq wekqsqpOTinqg kanqTqrIzq )wOpekq( jArmanq winqvesqTqmanqTq wenqDq DivelopqmanqTq kamqpenI )DIwIjI(
weTolqsq kqreDiTq wenqDq DivelopqmanqTq bEnqkinqg pqrojekqTq hinqgumaSq divehi sarukArAwi bEnqkA demedu wegqrImenqTewq kurevifawiveweve. miwegqrImenqTqge daSunqbEnqkqge DivelopqmanqTq bEnqkinqg selqwaSq lOnq dUkurumaSq winqTarnECanalq fanqDq for wegqrikalqcaralq DivelopqmanqTq )wifADq( ge rifawinEnqsq sqkImewqgedaSunq fawisA libifawiveweve. mifawisA sarukAruge farAtunq bEnqkaSq libifawivanI pqrojekqTqge muwqdatukamaSq kanDaweLifawivA hawaharuge terEgawi waharaku 1winqsawqta winqTaresqTq gaweve. wadi wEge fahunq fawisA dawqkanqjehE muwqdatugawi waharaku 3 winqsawqta winqTaresqTq gaweve. lOnuge muLi jumqla wAwiwinqTaresqTq dawqkanqjehenI 04 winqsqTOlqmanqTaSq bahawigenq waharaku de winqsqTOlqmanqTq dawqkAgotaSq mE 0002 nq feSigenqneve. migotaSq dawqkawininqmanqjehenI novemqbar 9102 gaweve.
wisqve bayAnq kurevunu bIdawinq rAwqjEge wenqme dekunuge hataru watoLu tarawqgI kurumaSq hinqgE ”dekunuge watoLutawq tarawqgI kurumuge maCqrUWu“ wA guLigenq 6991Disemqbar gawi bEnqkAwi divehi sarukArA demedu wegqrImenqTewq kurevifawiveweve. miwegqrImenqTqge daSunq lOnu dUkurumaSq winqTarnECanalq fanqDq for wegqrikalqcaralqDivelopqmanqTq )wifADq( wAwi wOganawizECanq wofq peTqrOliwamq wekqsqpOTinqg kanqTqrIzq )wOpekq( ge rifawinEnqsq sqkImewqge daSunq fawisA libifawiveweve.mifawisA sarukAruge farAtunq bEnqkaSq libifawivanI furatama hawaharu waharaku 5 winqsawqtawige winqTaresqTq gaweve. wEgefahunq winqTaresqTq hamajawqsAnevarewq kanDawaLAnI DipoziTq rETqtakaSAwi DivelopqmanqTq bEEnqkuge harakAtqtakaSAwi libifawi wotq muwqdatuge Karadutakuge mawqcaSq belumaSq fahugaweve. lOnu ge muLijumqla dawqkanq jehenI 03 winqsqTOlqmanqTaSq bahawigenq waharaku de winqsqTOlqmanqTq dawqkAgotaSq mAcq 2002 winq feSigenqneve. wadi dawqkawi ninqmanq jehenIsepqTemqbar 6102 gaweve.
jarmanq winqvesqTqmanqTq wenqDq DivelopqmanqTq kamqpenI )DIwIjI( wakI feDaralq ripabqlikq wofq jarmanIge mAlI widArAwekeve.mimAlI widArAwinq 8 miliyanqDowiCq mArkqge lOnewq bEnqkaSq negI 8991 gaweve. milOnqge winqTaresqTq dawqkanqjehEgotakI nagAfawi bAkI wonqna wadadewqge mawqcaSq DowiCq mArkq lawibOwaSqvure 53.3 winqsawqta wituraSeve. wadi winqTaresqTq dawqkanqjehenI waharaku defaharu weve. lOnuge muLi jumqla wAwi winqTaresqTq dawqkanqjehenI 21
2005
21,526,332
8,018,908
29,545,240
2005
1,360,205,118
1,516,111,086
575,094,976
33,079,047
55,177,375
3,539,667,602
2005
38,325,834
7,477,775
25,294,391
71,098,000
2004
25,659,269
1,104,205
26,763,474
2004
936,695,589
1,222,170,179
587,873,852
11,695,876
17,754,591
2,776,190,087
2004
41,269,793
8,097,798
39,720,352
89,087,943
) wehenq gotakaSq bayAnq koSqfawi nuvAnama hurihA wadadewq divehi rufiyA winq(
67
32. 32. 32. 32. 32.winqvesqTqmanqTq winqvesqTqmanqTq winqvesqTqmanqTq winqvesqTqmanqTq winqvesqTqmanqTq viwqkanqhuri viwqkanqhuri viwqkanqhuri viwqkanqhuri viwqkanqhuri muwqdatakaSq jumqla jumqla muwqdatakaSq jumqla jumqla muwqdatakaSq jumqla jumqla muwqdatakaSq jumqla jumqla muwqdatakaSq jumqla jumqla behewqTifawi behewqTifawi behewqTifawi behewqTifawi behewqTifawi
waharu feSunuwiruwaharu terEgawi wituruviwaharu nimunuwiru
winqvesqTqmanqTqge terEgawi himenenI wagu wadAkoSqfawivA mOlqDivqsq fawinEnqsq lIsinqg komqpenI )wemq. wefq. welq. sI( ge hiwqsAwAwi vaki muwqdatakaSq mOlqDivqsqhawusinqg DiivelopqmanqTq fawinEnqsq kOrparECanq limiTeDq ge bonqDaSq winqvesqTq kurevifawivA winqvesqTqmenqTeve. mi bonqDakI hiwqsAge bAzArugawi lisqTq kurevigenqviyafArIge muwAmalAtunukurA wewqcakaSq vumunqu hagIgI wagu belenq netumAweku winqvesqTqmanqTqge wagukamaSq belifawivanI mibonqDaSq bEnqkunq wadAkoSqfawivA wageve.
42. 42. 42. 42. 42.pqroparTI, pqlAnqTq wAwi wikqwipqmenqTq pqroparTI, pqlAnqTq wAwi wikqwipqmenqTq pqroparTI, pqlAnqTq wAwi wikqwipqmenqTq pqroparTI, pqlAnqTq wAwi wikqwipqmenqTq pqroparTI, pqlAnqTq wAwi wikqwipqmenqTq
bEnqkuge bEnqkuge bEnqkuge bEnqkuge bEnqkuge kulI komqpiyuTar farunIcarAwi winqjInulI jumqla jumqla kulI komqpiyuTar farunIcarAwi winqjInulI jumqla jumqla kulI komqpiyuTar farunIcarAwi winqjInulI jumqla jumqla kulI komqpiyuTar farunIcarAwi winqjInulI jumqla jumqla kulI komqpiyuTar farunIcarAwi winqjInulI jumqla jumqlatanqtanq tanqtanq tanqtanq tanqtanq tanqtanq WimArAtq wikqwipqmenqTq wikqwipqmenqTqq wuLandu WimArAtq wikqwipqmenqTq wikqwipqmenqTqq wuLandu WimArAtq wikqwipqmenqTq wikqwipqmenqTqq wuLandu WimArAtq wikqwipqmenqTq wikqwipqmenqTqq wuLandu WimArAtq wikqwipqmenqTq wikqwipqmenqTqq wuLandu 5002 4002 5002 4002 5002 4002 5002 4002 5002 4002
pqroparTI, pqroparTI, pqroparTI, pqroparTI, pqroparTI,pqlAnqTq wAwi pqlAnqTq wAwi pqlAnqTq wAwi pqlAnqTq wAwi pqlAnqTq wAwiwikqwipqmenqTqge wagu wikqwipqmenqTqge wagu wikqwipqmenqTqge wagu wikqwipqmenqTqge wagu wikqwipqmenqTqge wagu
waharu feeSunu wiruwaharuterE wituruviwaharuterE nawqtAliwaharu nimunuwirubAkI
jamAkoSq jamAkoSq jamAkoSq jamAkoSq jamAkoSqbalaSq ken balaSq ken balaSq ken balaSq ken balaSq kenDunu Dunu Dunu Dunu Dunu
waharu feSunu wiruwaharu terE badalukurinawqtAli taketIgebalaSq kenDiwaharu nimunu wirubAkI
waharu nimunuwiru fotunqdawqkA sAfu wagu
64,189,677
-
-
64,189,677
19,251,120
3,209,496
-
22,460,616
41,729,061
2,530,147
702,069
-
3,232,216
1,381,941
407,196
-
1,789,137
1,443,079
60,180,760
10,736,298
(502,877)
70,414,181
33,837,585
9,174,982
(434,612)
42,577,955
27,836,226
8,550,456
1,749,758
(210,378)
10,089,836
6,011,962
1,318,726
(209,707)
7,120,981
2,968,855
6,286,212
540,431
(3,210)
6,823,433
5,271,220
348,175
(3,210)
5,616,185
1,207,248
141,737,252
13,728,556
(716,465)
154,749,343
65,753,828
14,458,575
(647,529)
79,564,874
75,184,469
125,798,576
17,109,777
(1,171,101)
141,737,252
53,847,401
13,052,104
(1,145,677)
65,753,828
75,983,424
6,425,000
-
6,425,000
5,000,000
5,000,000
10,000,000
2005
11,425,000
5,000,000
16,425,000
2004
6,425,000
5,000,000
11,425,000
)h( bEnqkuge bawewq gofitawq hinqganI tinqvana farAtakunq kuwqyaSq hifAfawivA tanqtanugaweve. wehenqkamunq kuwqyaSq jumqla 542,551,2 rufiyA )4002 gawi 103,799,1rufiyA( hEdavefawiveweve.
)S( belenqsq CITqge tArIKugawi muLinq balaSq kanDawilevifawivA weseTqge jumqla wagakI 406,642,12 rufiyA )4002 gawi 264,603,22 rufiyA( weve.
mAlIbayAnqtakA guLE mAlIbayAnqtakA guLE mAlIbayAnqtakA guLE mAlIbayAnqtakA guLE mAlIbayAnqtakA guLE
nOTqtawq nOTqtawq nOTqtawq nOTqtawq nOTqtawq
bEnqkq wofq mOlqDivqsq plk - waharI ripOTq 5002
) wehenq gotakaSq bayAnq koSqfawi nuvAnama hurihA wadadewq divehi rufiyA winq(
68
mAlIbayAnqtakA guLE mAlIbayAnqtakA guLE mAlIbayAnqtakA guLE mAlIbayAnqtakA guLE mAlIbayAnqtakA guLE
nOTqtawq nOTqtawq nOTqtawq nOTqtawq nOTqtawq
bEnqkq wofq mOlqDivqsq plk - waharI ripOTq 5002
02. 02. 02. 02. 02. lOnAwi weDqvAnqsq lOnAwi weDqvAnqsq lOnAwi weDqvAnqsq lOnAwi weDqvAnqsq lOnAwi weDqvAnqsq wOvarDqrAfqTq wamAzukurevE farAtqtakaSq dUkurevE lOnq wamAzukurevE farAtqnUnq farAtqtakaSq dUkurevE lOnq vaQufu rasIdu kqreDiTq kADu ge bAkI muvawqzafunqge lOnq
kanDanq:lOnuge gewqlumaSq behewqTi }nOTq 02)h({ sasqpenqsq gawi huri winqTaresqTq )nOTq 12( lOnAwi weDqvAnqsqge sAfu jumqla lOnuge gewqlumaSq behewqTi pqroviRanaSqvIgotq tirIgawi wevanI: lOnuge gewqlumaSq behewqTi pqroviRanaSqvIgotq tirIgawi wevanI: lOnuge gewqlumaSq behewqTi pqroviRanaSqvIgotq tirIgawi wevanI: lOnuge gewqlumaSq behewqTi pqroviRanaSqvIgotq tirIgawi wevanI: lOnuge gewqlumaSq behewqTi pqroviRanaSqvIgotq tirIgawi wevanI: )h( KAwqBa pqroviRanq )h( KAwqBa pqroviRanq )h( KAwqBa pqroviRanq )h( KAwqBa pqroviRanq )h( KAwqBa pqroviRanq 1 jenuwarIgawi huri bAkII waharuge terEgawi libunu waharuterEgawi hedi pqroviRanq 13 Disemqbar gawi huri bAkI
)S( wAnqmu pqroviRanq )S( wAnqmu pqroviRanq )S( wAnqmu pqroviRanq )S( wAnqmu pqroviRanq )S( wAnqmu pqroviRanq 1 jenuwarIgawi huri bAkII waharuterEgawi hedi pqroviRanq 13 Disemqbar gawi huri bAkI jumula jumula jumula jumula jumula
tamqsIlukurevifawivanI : tamqsIlukurevifawivanI : tamqsIlukurevifawivanI : tamqsIlukurevifawivanI : tamqsIlukurevifawivanI : lOnAwi weDqvAnqsq bilq wofq wekqsqcEnqjq
12. 12. 12. 12. 12. sasqpenqsq gawi behewqTi winqTqresqTaSq vIgotq sasqpenqsq gawi behewqTi winqTqresqTaSq vIgotq sasqpenqsq gawi behewqTi winqTqresqTaSq vIgotq sasqpenqsq gawi behewqTi winqTqresqTaSq vIgotq sasqpenqsq gawi behewqTi winqTqresqTaSq vIgotq
1 jenuwarIgawi huri bAkI waharu terEgawi sasqpenqsq gawi behewqTi sasqpenqsq gawi behewqTi winqTqresqTunq libunu 13 Disemqbar gawi huri bAkI
22. 22. 22. 22. 22. weseTqge fenqvaru weseTqge fenqvaru weseTqge fenqvaru weseTqge fenqvaru weseTqge fenqvaru wufewqdunqteri nUnq weseTqge terEgawi himenifawivA winqTqresqTq wewqkurevemunqnudA lOnAwi bilugeterEgawi himenE bawitakakI: lOnAwi weDqvAnqsq bilq wofq wekqsqcEnqjq
2005
803,307,153
330,806,045
1,843,700,581
20,474,667
50,768,595
9,928,540
3,058,985,581
(128,464,593)
(103,003,549)
2,827,517,439
2005
77,266,222
(5,352,638)
34,001,968
105,915,552
10,437,747
20,657,351
31,095,098
137,010,650
128,464,593
8,546,057
137,010,650
2005
62,860,069
42,479,919
(2,336,439)
103,003,549
2005
258,172,134
29,412,459
287,584,593
2004
485,153,315
126,883,254
1,304,083,197
35,386,513
10,878,524
8,137,715
1,970,522,518
(86,496,284)
(62,860,069)
1,821,166,165
2004
52,261,175
(10,767,000)
35,772,047
77,266,222
4,142,000
6,295,747
10,437,747
87,703,969
86,496,284
1,207,685
87,703,969
2004
68,111,732
25,239,568
(30,491,231)
62,860,069
2004
234,695,046
15,010,334
249,705,380
) wehenq gotakaSq bayAnq koSqfawi nuvAnama hurihA wadadewq divehi rufiyA winq(
69
51. 51. 51. 51. 51.hiwqsA wakaSq jehE fawidA hiwqsA wakaSq jehE fawidA hiwqsA wakaSq jehE fawidA hiwqsA wakaSq jehE fawidA hiwqsA wakaSq jehE fawidAwasAsIgotewqgawi hiwqsA wakaSq jehE fawidA hisAbukurI hiwqsAdArunqnaSqjehE sAfufawidA waharuterEgawi dUkoSqfawi huri vewiTeDq wevarejq wAdawige hiwqsAgewadaduge mawqcaSq bahawigenqneve.
hiwqsAdArunqnaSq jehE sAfu fawidAdUkoSqfawihuri vewiTeDq weverejq wAdawige hiwqsAge wadaduwasAsIgotewqgawi hiwqsA wakaSq jehE fawidA
61. 61. 61. 61. 61.fawisA wAwi kurumuwqdatuge fanqDq fawisA wAwi kurumuwqdatuge fanqDq fawisA wAwi kurumuwqdatuge fanqDq fawisA wAwi kurumuwqdatuge fanqDq fawisA wAwi kurumuwqdatuge fanqDqnagudu fawisA winq huriwehenq bEnqkqtakugawi huri bAkIkuru muwqdatuge nOTihAweku negenq huri
71. 71. 71. 71. 71.wemq. wemq. wE. gawi huri bAkI wemq. wemq. wE. gawi huri bAkI wemq. wemq. wE. gawi huri bAkI wemq. wemq. wE. gawi huri bAkI wemq. wemq. wE. gawi huri bAkI
wesawinqDq kepiTalq DipoziTqrizAvq DipoziTqseTqfikeTq wofq DipoziTq
)h( wesawinqDq kepiTalq DipoziTq: )h( wesawinqDq kepiTalq DipoziTq: )h( wesawinqDq kepiTalq DipoziTq: )h( wesawinqDq kepiTalq DipoziTq: )h( wesawinqDq kepiTalq DipoziTq:mOlqDivqsq maniTarI wotOriTIge gavAwidA wewqgotqvAgotuge matinq, bEnqkugawi wenqme madunq rawusqmAlu hunqnanqjehE wadaduge 05 winqsawqtawige rizAvewq wesawinqDqkepiTalq DipoziTqge gotugawi bahawqTanqjeheweve.
)S( rizAvq DipoziTq )S( rizAvq DipoziTq )S( rizAvq DipoziTq )S( rizAvq DipoziTq )S( rizAvq DipoziTqviyafAri bEnqkutakuge lawibiliTIzqge 03 winqsawqta rizAvqge gotugawi bahawqTanq wemq.wemq.wE. ge gavAwidu lAzimukureweve. migotaSq behewqTumugawi bEnqkutakuge medugawihunqna lawibiliTIzq wAwi mAlEge gofitakuge mAjinq DipoziTq wisqtisqnAkureveweve.wadi wehenihenq gofitakunq bahawqTanqjehenI 51 winqsawqtaweve.
81. 81. 81. 81. 81.fawisA wAwi fawisAwA wewqfada taketi fawisA wAwi fawisAwA wewqfada taketi fawisA wAwi fawisAwA wewqfada taketi fawisA wAwi fawisAwA wewqfada taketi fawisA wAwi fawisAwA wewqfada taketifawisA libunugotuge bayAnaSqTakawi, fawisA wAwi fawisAwA wewqfadataketIge gotugawi balAfawivanI tirIgawi bayAnqkoSqfawivA webawewqge bAkI 09duvahaSqvure kuru muwqdatewqgawi tasawqrafu fudE bAkI takeve.
fawisA wAwi kurumuwqdatuge fanqDq )nOTq 61(seTqfikeTq wofq DipoziTq )nOTq 71(
91. 91. 91. 91. 91.bilq wofq wekqsqcEnqjq bilq wofq wekqsqcEnqjq bilq wofq wekqsqcEnqjq bilq wofq wekqsqcEnqjq bilq wofq wekqsqcEnqjqwekqsqpOTq bilqwimqpOTq bilqkanDanq: gewqlumaSq behewqTi pqroviRanq }nOTq 02)h({bilq wofqwekqsqcEnqjqge sAfu jumqla
2005
94,440,409
121,720
775.88
2005
79,974,074
42,062,442
98,560,000
220,596,516
2005
15,000,000
876,215,073
-
891,215,073
2004
76,682,943
121,720
629.99
2004
72,021,641
36,561,340
364,252,225
472,835,206
2004
15,000,000
775,234,449
49,917,501
840,151,950
2005
220,596,516
-
220,596,516
2005
30,527,168
39,619,933
(8,546,057)
61,601,044
2004
472,835,206
49,917,501
522,752,707
2004
2,872,395
31,099,225
(1,207,685)
32,763,935
mAlIbayAnqtakA guLE mAlIbayAnqtakA guLE mAlIbayAnqtakA guLE mAlIbayAnqtakA guLE mAlIbayAnqtakA guLE
nOTqtawq nOTqtawq nOTqtawq nOTqtawq nOTqtawq
bEnqkq wofq mOlqDivqsq plk - waharI ripOTq 5002
) wehenq gotakaSq bayAnq koSqfawi nuvAnama hurihA wadadewq divehi rufiyA winq(
70
mAlIbayAnqtakA guLE mAlIbayAnqtakA guLE mAlIbayAnqtakA guLE mAlIbayAnqtakA guLE mAlIbayAnqtakA guLE
nOTqtawq nOTqtawq nOTqtawq nOTqtawq nOTqtawq
bEnqkq wofq mOlqDivqsq plk - waharI ripOTq 5002
21. 21. 21. 21. 21.hinqgumuge wehenihenq Karadutawq hinqgumuge wehenihenq Karadutawq hinqgumuge wehenihenq Karadutawq hinqgumuge wehenihenq Karadutawq hinqgumuge wehenihenq Karadutawq
DirekqTarunqge fIQAnUnI wujUrawoDiTarunqge wujUraweki farAtqfarAtaSq dE wehImuvAsalAtI KaradukonqsalqTanqTunqge fIsofqTqvewarge lawisanqsq fIliyekiyumaSq bEnunqkurA takewqcaSq hingi KaraduwiCqtihArukurumaSqfawisA wufulumuge KaraduwiCqtirAku KaradukqreDiTqkADu KaradumenqbarCipq fInulibEne kamaSq fotunq fuheli daraniwehenihenq
31. 31. 31. 31. 31.fawidA Tekqsqge Karadu fawidA Tekqsqge Karadu fawidA Tekqsqge Karadu fawidA Tekqsqge Karadu fawidA Tekqsqge Karadu
mihAruge Tekqsqdewqkunq fasqkurevunu Tekqsq )nOTq 82(
bEnqkuge fawidA Tekqsq, fawidA Tekqsq negumuge kurIge wadadukamaSq tirIgawi bayAnqkoSqfawivAwadadu Tekqsq negE wasAsII rETq bEnunqkoSqgenq hisAbukurumunq nukunqnAne natIjA tafAtuveweve.
Tekqsq negumuge kurinq wotq fawidA
Tekqsq negE rETqkamaSqvA %52 waSq balawi hisAbukurumunqTekqhA guLigenq wuninukurA Karadu
nudawqkawi fasqkurevunu TekqhAbehE wituru maWulUmAtu nOTq 82 gawi bayAnqkoSqfawivAneweve.
41. 41. 41. 41. 41.hiwqsAge fawidA behunq hiwqsAge fawidA behunq hiwqsAge fawidA behunq hiwqsAge fawidA behunq hiwqsAge fawidA behunqbahanq huSahaLA hiwqsAge fawidA hisAbuge terewaSq vawqdanI waharI wAnqmu jalqsA winq taBqdIQukurumunqneve. 11 wEpqrIlq 6002 gawi bEwqvi DirekqTarunqgebODuge jalqsA winq, 5002 vana waharu hiwqsA wakaSq -/001 rufiyA )4002 gawi hiwqsA wakaSq -/59 rufiyA( magunq jumqla 000,271,21 rufiyA)4002 gawi jumqla 004,365,11rufiyA( hiwqsAdArunqnaSq behumaSq huSahaLuwqvAfawiveweve. mimAlI bayAnqtakugawi mibahawilevE wadadu himanAfawewq nuvAneweve.miwadadu himanAnI hiwqsAdArunqge wikuwiTIge terEgawi himenE bawitakaSq kanDaweLunu wadaduge terEgawi behewqTifawivA fawisAwewqgegotu gawi 13 Disemqbar 6002gawi nimE waharuge hisAbugaweve.
2005
200,000
339,336
163,840
-
7,500,692
1,189,692
5,381,812
5,129,385
1,501,037
95,619
124,273
18,756,239
5,169,120
86,196
4,954,949
50,592,190
2005
30,514,598
965,539
31,480,137
2005
125,920,546
2005
31,480,137
-
31,480,137
2004
124,500
558,861
143,360
215,940
7,160,167
1,312,591
4,989,170
3,397,555
1,371,896
74,542
97,673
5,917,307
-
-
4,545,605
29,909,167
2004
25,014,493
1,069,121
26,083,614
2004
102,766,557
2004
25,691,639
391,975
26,083,614
) wehenq gotakaSq bayAnq koSqfawi nuvAnama hurihA wadadewq divehi rufiyA winq(
71
mAlIbayAnqtakA guLE mAlIbayAnqtakA guLE mAlIbayAnqtakA guLE mAlIbayAnqtakA guLE mAlIbayAnqtakA guLE
nOTqtawq nOTqtawq nOTqtawq nOTqtawq nOTqtawq
bEnqkq wofq mOlqDivqsq plk - waharI ripOTq 5002
8. 8. 8. 8. 8.hinqgumunq libunu wehenq wAmqdanI hinqgumunq libunu wehenq wAmqdanI hinqgumunq libunu wehenq wAmqdanI hinqgumunq libunu wehenq wAmqdanI hinqgumunq libunu wehenq wAmqdanI
TelekuhAwi fekqsq fonuvumuge Karadunq libunuwufewqdunqteri nUnq lOnunq libunukurinq fuhelAfawivA lOnunq libunuDisqpOsalq wofq poropaTI pqlAnqTq wenqDq wikuwipqmanqTq waSq libunu fawidAwehenihenq
9. 9. 9. 9. 9.muvawqzafunqnaSq hingA Karadu muvawqzafunqnaSq hingA Karadu muvawqzafunqnaSq hingA Karadu muvawqzafunqnaSq hingA Karadu muvawqzafunqnaSq hingA Karadu
musArahitqvarudinumaSq devunu bOnasqwehenihenq welavanqsqtawq
waharu nimunuwiru bEnqkugawi vazIfA wadAkuri muvawqzafunqge wadadakI 814 )4002: 823( weve.
01. 01. 01. 01. 01.WimArAtAwi wikqwipqmanqTAwi belehewqTumuge Karadu WimArAtAwi wikqwipqmanqTAwi belehewqTumuge Karadu WimArAtAwi wikqwipqmanqTAwi belehewqTumuge Karadu WimArAtAwi wikqwipqmanqTAwi belehewqTumuge Karadu WimArAtAwi wikqwipqmanqTAwi belehewqTumuge Karadu
balaSq kenDi )nOTq 42(kuwqyaSq hifumuge kanqtawq - WimArAtq )pqroparTI(kulidiwqlumAwi karanqTqwinqCUranqsqmarAmAtAwiii belehewqTunqwehenihenq
11. 11. 11. 11. 11.nulibEne wadi yagInqkanq kuDa lOnaSq hedi pqroviRanq nulibEne wadi yagInqkanq kuDa lOnaSq hedi pqroviRanq nulibEne wadi yagInqkanq kuDa lOnaSq hedi pqroviRanq nulibEne wadi yagInqkanq kuDa lOnaSq hedi pqroviRanq nulibEne wadi yagInqkanq kuDa lOnaSq hedi pqroviRanq
lOnuge gewqlumaSq hedi KAwqBa pqroviRanqlOnuge gewqlumaSq hedi wAnqmu pqroviRanq
2005
4,165,563
5,352,638
4,547
68,931
1,600,432
11,192,111
2005
18,327,156
5,633,611
16,492,930
40,453,697
2005
14,458,575
2,155,245
116,290
3,544,382
581,447
2,912,011
115,399
23,883,349
2005
34,001,968
20,657,351
54,659,319
2004
3,660,302
10,767,000
89,750
86,701
1,338,263
15,942,016
2004
16,297,823
4,837,668
13,727,781
34,863,272
2004
13,052,104
1,997,301
231,909
2,850,542
404,494
2,969,178
120,446
21,625,974
2004
35,772,047
6,295,747
42,067,794
) wehenq gotakaSq bayAnq koSqfawi nuvAnama hurihA wadadewq divehi rufiyA winq(
72
mAlIbayAnqtakA guLE mAlIbayAnqtakA guLE mAlIbayAnqtakA guLE mAlIbayAnqtakA guLE mAlIbayAnqtakA guLE
nOTqtawq nOTqtawq nOTqtawq nOTqtawq nOTqtawq
bEnqkq wofq mOlqDivqsq plk - waharI ripOTq 5002
2005
238,574,737
95,367,628
250,000
13,639,896
11,192,111
359,024,372
2005
215,614,867
451,370
6,605,547
8,271,276
7,631,677
238,574,737
59,324,022
4,154,503
36,746
63,515,271
175,059,466
2005
20,071,297
7,344,114
4,269,696
5,372,970
47,807,877
10,501,674
95,367,628
2005
250,000
2004
198,543,251
59,985,663
-
12,117,771
15,942,016
286,588,701
2004
178,335,062
-
6,564,820
7,562,084
6,081,285
198,543,251
50,833,355
4,517,284
5,298
55,355,937
143,187,314
2004
17,373,346
8,514,733
3,333,808
5,186,936
16,179,237
9,397,603
59,985,663
2004
-
4. 4. 4. 4. 4.jumqla wAmqdanI jumqla wAmqdanI jumqla wAmqdanI jumqla wAmqdanI jumqla wAmqdanI
winqTaresqTq wAmqdanIfIwAwi komiCanaSq libunuhiwqsAge fawidAviyafArIge wAmqdanI waSq libunu sAfu jumqlahinqgumunq libunu wehenq wAmqdanI
5. 5. 5. 5. 5.winqTaresqTq wAmqdanIge sAfu jumqla winqTaresqTq wAmqdanI winqTaresqTq wAmqdanIge sAfu jumqla winqTaresqTq wAmqdanI winqTaresqTq wAmqdanIge sAfu jumqla winqTaresqTq wAmqdanI winqTaresqTq wAmqdanIge sAfu jumqla winqTaresqTq wAmqdanI winqTaresqTq wAmqdanIge sAfu jumqla winqTaresqTq wAmqdanI
lOnuge gotugawi nagAfawivA fawisA waSqsekiyuriTIzqge gotugawi winqvesqTqkuriwemq. wemq. wE. ge seTqfikeTq wofq DipoziTaSqkurumuwqdatuge fawisA waSqwesawinqDq kepiTalq wAwi rizAvaSq
winqTaresqTq Karadu winqTaresqTq Karadu winqTaresqTq Karadu winqTaresqTq Karadu winqTaresqTq KaradukasqTamarunqge DipoziTaSqgenevifawivA fawisA waSqwehenihenq
winqTaresqTq wAmqdanIge sAfu jumqla
6. 6. 6. 6. 6.fI wAwi komiCanaSq libunu wAmqdanI fI wAwi komiCanaSq libunu wAmqdanI fI wAwi komiCanaSq libunu wAmqdanI fI wAwi komiCanaSq libunu wAmqdanI fI wAwi komiCanaSq libunu wAmqdanI
pE wODarge komiCanqgaranqTIge komiCanqDokiwumenqTarI kqreDiTqge kamiCanqbilq DisqkawunqTq koSqdinumuge kamiCanqkureDiTq kADu woparECanqwehenihenq
7. 7. 7. 7. 7.hiwqsAge behunu fawidAge wAmqdanI hiwqsAge behunu fawidAge wAmqdanI hiwqsAge behunu fawidAge wAmqdanI hiwqsAge behunu fawidAge wAmqdanI hiwqsAge behunu fawidAge wAmqdanI
viwqkAlevE gotaSq huri sekiyuriTIzq
) wehenq gotakaSq bayAnq koSqfawi nuvAnama hurihA wadadewq divehi rufiyA winq(
73
bEnqku hinqgumuge wasAsakI tasawqrafu fudE fawisA mecqkurumAwi weseTAwi lawibiliTIzqge winqTaresqTaSq wanqna badalu konqTqrOlewqge terEgawi genqguLumeve. bEnqkutawqmidenqnevi gotaSq mecqkoSq hinqgumakI varaSq nAdirukameve. wewI muwAmalAtutawq tafAtuvefawi muwAmalAtu kurevEgotuge yagInqkanq netumunqneve. mecqnukoSq hinqgA hinqgumewqge fawidAboDuveweve. wekamaku gewqlunqvumuge risqkqvesq mativeweve.
weseTAwi lawibiliTIzq tasawqrafu fudumAwi gabUlukurevE wagewqgawi webadalukurumAwi winqTaresqTq libE lawibiliTIzq tasawqrafu fudE gotakI bEnqkugawi fawisA hurivaruvazanqkurevEne gotekeve. wadi wewI winqTaresqTq rETaSAwi wekqsqcEnqjq rETaSq huLuvifawivA minqvaruvesq wengEne gotekeve.
gerenqTIwAwi sqTEnqDqbawikoSq hunqna leTar wofq kqreDiTq wA guLigenq bEnunqvA fawisA hurumaSq lAzimqkurA wadadumadeve. wewI wegqrImenqTqge daSunq tinqvana farAtakunq fawisAnagAnekamaSq bEnqkunq nubalAtIweve. fawisAdEnq wewqbasqvefawi hunqna wadadakI kurimagugawi fawisA bEnunqvAne minqvarukamaSq nubeleweve. wewI mifada kitanqme wewqbasqvumewqfawisA negumA hamayaSq nugosq wuvAlevEtIweve. nUnI muwqdatu hamavAtIweve.
mAlIbayAnqtakA guLE mAlIbayAnqtakA guLE mAlIbayAnqtakA guLE mAlIbayAnqtakA guLE mAlIbayAnqtakA guLE
nOTqtawq nOTqtawq nOTqtawq nOTqtawq nOTqtawq
bEnqkq wofq mOlqDivqsq plk - waharI ripOTq 5002
74
mAlIbayAnqtakA guLE mAlIbayAnqtakA guLE mAlIbayAnqtakA guLE mAlIbayAnqtakA guLE mAlIbayAnqtakA guLE
nOTqtawq nOTqtawq nOTqtawq nOTqtawq nOTqtawq
bEnqkq wofq mOlqDivqsq plk - waharI ripOTq 5002
n. daranIge risqku n. daranIge risqku n. daranIge risqku n. daranIge risqku n. daranIge risqkubEnqkaSq kurimativA daranIge risqkakI darani negifarAtaSq wadAkuranqjehE muwqdatugawi darani wadAkurevEgotq nuvumeve.
daranIge risqkaSq huSaheLE huSaheLunq kuDakurumaSq darani nagAfawivA farAtqtakAwi darani nagA farAtqtakunq darani wadAkurumuge gAbiliwqyatu hurinetq gotq belumAwi winqTaresqTAwidaranqNaSq wadAkurevEne minqvarakaSq beleveweve. mikanqkamaSq belumaSqfahu daranidUkurevE wadadu madukureveweve. daranIge risqku kuDakurumaSq rahunubehewqTumaSq lAzimu kurumAwikunqfunqNAwi farudI fenqvaruge gerenqTI dinumaSq lAzimukurunq himeneweve.
r. winqTaresqTq rETuge risqku r. winqTaresqTq rETuge risqku r. winqTaresqTq rETuge risqku r. winqTaresqTq rETuge risqku r. winqTaresqTq rETuge risqkumAkeTq gawi winqTaresqTq rETaSq wanqna badaluge sababunq fawisA vanqna minqvaraSq wasarukurumuge risqku himeneweve. mifada badalutakunq winqTaresqTqge mArjinqwituruvAfadawinq winqTaresqTq daSqvumunq gewqlunqvunqvesq himeneweve.
menEjqmanqTqge farAtunq winqTaresqTq rETaSq wanqna badalutawq dirAsAkoSq genqnanqjehE badalutawq geneweve.
b. fawisA netumuge risqku b. fawisA netumuge risqku b. fawisA netumuge risqku b. fawisA netumuge risqku b. fawisA netumuge risqkubEnqkugawi hunqna fawisAge terewinq rEganDu rawqkAkuranq bahawqTA fawisA wAwi karanqTq wekawunqTAwi tasawqrafufudE DipoziTqtakugawi hunqna fawisA wAwi lOnaSq dUkurevEfawisAge gina wadadewq konqme duvahakuvesq naganq wAdeweve. wehenqme gerenqTIwAwi mArjinq wAwi wehenq gotqgotunq vesq fawisAwaSq bEnunqveweve. mibEnunqtakaSq fudEvaraSqbEnqkugawi fawisA bahawqTaweve. wewI tajuribAwinq wengEgotugawi, tasawqrafu fudE fanqDqsqge terewinq kuDa minqvarewq walunq winqvesqTq kurumaSq yagInqkamAweku lafAkoSqlevEtIweve.
menEjqmenqTunq wabaduvesq tasawqrafufudE fanqDqsqge terewinq fawisA naganq bEnunqvA farAtqtakunq nagA wadaduge mawqcaSq balaweve. wadi konqmehenq bEnunqvA farAAtqtakaSqfawisA dUkurumaSq kuDa minqvarakaSq bEnqkutakuge medugawi fawisA dUkurumuge fasEhakanq gAwimukoSqfawi hureweve. miwI lafAnukurevE wadadaSq fawisA naganq dimAvewqjenama wekanqhamajewqsumaSeve.
tasawqrafu fudEgotq vazanqkurunq tasawqrafu fudEgotq vazanqkurunq tasawqrafu fudEgotq vazanqkurunq tasawqrafu fudEgotq vazanqkurunq tasawqrafu fudEgotq vazanqkurunq
weseTqtawq weseTqtawq weseTqtawq weseTqtawq weseTqtawqkurumuwqdatugawi nagAne fawisAwemqwemqwE gawi huri bAkIbilqsq wofq wekqsqcEnqjqlOnAwi weDqvAnqsqwehenihenq weseTqweseTqge jumqla
lawibiliTIzq lawibiliTIzq lawibiliTIzq lawibiliTIzq lawibiliTIzqDipoziTqsqwanburAdawqkanq negi fawisAwehenihenq lawibiliTIzqlawibiliTIzqge jumqla
fawisA hurivaruge sAfu tafAtu fawisA hurivaruge sAfu tafAtu fawisA hurivaruge sAfu tafAtu fawisA hurivaruge sAfu tafAtu fawisA hurivaruge sAfu tafAtu
98,560,000
891,215,073
61,601,044
824,041,171
243,191,225
2,118,608,513
3,246,747,461
5,867,872
68,695,300
3,321,310,633
(1,202,702,120)
-
-
-
100,711,494
-
100,711,494
284,640,438
7,748,283
-
292,388,721
(191,677,227)
-
-
-
551,227,029
-
551,227,029
8,024,703
25,720,388
-
33,745,091
517,481,938
-
-
-
959,529,465
-
959,529,465
225,000
10,531,614
-
10,756,614
948,772,851
-
-
-
392,008,280
-
392,008,280
30,000
21,229,843
21,419,629
42,679,472
349,328,808
98,560,000
891,215,073
61,601,044
2,827,517,439
243,191,225
4,122,084,781
3,539,667,602
71,098,000
90,114,929
3,700,880,531
421,204,250
3 - 21 3 - 21 3 - 21 3 - 21 3 - 21masq masq masq masq masqrufiyA rufiyA rufiyA rufiyA rufiyA
1 - 3 1 - 3 1 - 3 1 - 3 1 - 3waharu waharu waharu waharu waharurufiyA rufiyA rufiyA rufiyA rufiyA
3 mahA 3 mahA 3 mahA 3 mahA 3 mahAhamawaSq hamawaSq hamawaSq hamawaSq hamawaSqrufiyA rufiyA rufiyA rufiyA rufiyA
3 - 5 3 - 5 3 - 5 3 - 5 3 - 5waharu waharu waharu waharu waharurufiyA rufiyA rufiyA rufiyA rufiyA
5 waharunq 5 waharunq 5 waharunq 5 waharunq 5 waharunqmati mati mati mati matirufiyA rufiyA rufiyA rufiyA rufiyA
jumqla jumqla jumqla jumqla jumqla
rufiyA rufiyA rufiyA rufiyA rufiyA
75
mAlIbayAnqtakA guLE mAlIbayAnqtakA guLE mAlIbayAnqtakA guLE mAlIbayAnqtakA guLE mAlIbayAnqtakA guLE
nOTqtawq nOTqtawq nOTqtawq nOTqtawq nOTqtawq
bEnqkq wofq mOlqDivqsq plk - waharI ripOTq 5002
)hurihA wadadewq divehi rufiyA winq( belenqsq CITq gawivA wadadu belenqsq CITq gawivA wadadu belenqsq CITq gawivA wadadu belenqsq CITq gawivA wadadu belenqsq CITq gawivA wadadu risqku vewiTeDq wadadu risqku vewiTeDq wadadu risqku vewiTeDq wadadu risqku vewiTeDq wadadu risqku vewiTeDq wadadubelenqsq CITqge weseTq )pqroviRanA nulA sAfu jumqla( belenqsq CITqge weseTq )pqroviRanA nulA sAfu jumqla( belenqsq CITqge weseTq )pqroviRanA nulA sAfu jumqla( belenqsq CITqge weseTq )pqroviRanA nulA sAfu jumqla( belenqsq CITqge weseTq )pqroviRanA nulA sAfu jumqla( 5002 5002 5002 5002 50024002 4002 4002 4002 40025002 5002 5002 5002 50024002 4002 4002 4002 4002
140,622
2,889,118
75,184
29,545
16,425
3,150,894
138,791
398,787
145,126
682,704
400,813
1,853,930
75,983
26,763
11,425
2,368,914
67,651
211,757
132,496
411,904
28,124
2,889,118
75,184
29,545
16,425
3,038,396
138,791
199,394
29,025
367,210
3,405,606
80,163
1,853,930
75,983
26,763
11,425
2,048,264
67,651
105,879
26,499
200,029
2,248,293
wehenq bEnqkutakunq wanqnanq hurikasqTamarunqnaSq dUkoSqfawivA lOnuharumudAwehenihenq weseTqwehenihenq winqvesqTqmenqTq
belenqsqCITqgawi nuhimenE belenqsqCITqgawi nuhimenE belenqsqCITqgawi nuhimenE belenqsqCITqgawi nuhimenE belenqsqCITqgawi nuhimenElOnuge sIdA badalukurumuwqdatugawi bEnunqvAneviyafAriwA guLE konqTinqjenqsIsq
risqkq vewiTeDq weseTqge jumqla risqkq vewiTeDq weseTqge jumqla risqkq vewiTeDq weseTqge jumqla risqkq vewiTeDq weseTqge jumqla risqkq vewiTeDq weseTqge jumqla
rawusqmAluge rECiwO rawusqmAluge rECiwO rawusqmAluge rECiwO rawusqmAluge rECiwO rawusqmAluge rECiwO bEnqku % bEnqku % bEnqku % bEnqku % bEnqku % wemq.wemq.wE. % )weenqme kuDa( wemq.wemq.wE. % )weenqme kuDa( wemq.wemq.wE. % )weenqme kuDa( wemq.wemq.wE. % )weenqme kuDa( wemq.wemq.wE. % )weenqme kuDa( 5002 5002 5002 5002 5002 4002 4002 4002 4002 4002 5002 5002 5002 5002 5002 4002 4002 4002 4002 4002 5002 5002 5002 5002 5002 4002 4002 4002 4002 4002
Tayar 1 rawusqmAluTayar 1 + Tayar 2 rawusqmAlu
4%
8%
4%
8%
12.12
15.05
9.93
12.37
272,599
338,327
338,327
421,204
3. 3. 3. 3. 3.mAlI hatiyArutawq bEnunqkurunq mAlI hatiyArutawq bEnunqkurunq mAlI hatiyArutawq bEnunqkurunq mAlI hatiyArutawq bEnunqkurunq mAlI hatiyArutawq bEnunqkurunq
h. mAlI hatiyArutawq bEnunqkurevEgotq h. mAlI hatiyArutawq bEnunqkurevEgotq h. mAlI hatiyArutawq bEnunqkurevEgotq h. mAlI hatiyArutawq bEnunqkurevEgotq h. mAlI hatiyArutawq bEnunqkurevEgotqbEnqkuge mawiganDu harakAtqtakakI mAlI hatiyArutawq bEnunqkurevEgotaSq hinqgA harakAtqtakekeve. kasqTamarunq bEnqkugawi bahawqTA DipoziTakI kurinq kanDaweLifawivA winqTaresqTakaSqwekimuwqdataSq bahawqTA wewqcekeve. bEnqkunq mifawisA wevarejq winqTaresqTq mArjinaSq vure matI wAmqdanIwewq hOdaumaSq fenqvaru matI weseTaSq winqvesqTqkureweve. bEnqkunqmidenqnevi mArjinq witurukurumaSq kurumuwqdatuge fawisA wewqkoSq matI winqTaresqTq gawi digumuwqdatakaSq fawisA dUkureweve. migotaSq fawisA dUkurumugawi muwqdatu hamavegenqfawisA nagAfarAtqtakaSq dUkurevE varaSq fawisA bahawqTaweve.
bEnqkunq winqTaresqTq mArjinq matikurumuge bEnumugawi wevarejaSq vure matI mArjinqgawi pqroviRanqge sAfu jumqla waSq balawi viyafArIge wusUlunqnAwi rITewilqkoSqfarAtqfarAtaSq fawisAdUkureweve. mifada harakAtqtakugawi himenenI hamawekani belenqsqCITq lOnewq nUneve. mIgeterEgawi bEnqkunq dE gerenqTI wAwi wehenihenq komiTqmanqTqgeterEgawi himenE leeTarsq wofq kqreDiTAwi pArfOrmanqsq himeneweve.
S. rawusqmAlu fudEvaruvunq S. rawusqmAlu fudEvaruvunq S. rawusqmAlu fudEvaruvunq S. rawusqmAlu fudEvaruvunq S. rawusqmAlu fudEvaruvunqrawusqmAlu fudEvaruvEtO belumaSq bEnunqkuranI mOlqDiivqsq maniTarI wotOriTI) wemq. wemq.wE( winq hamajawqsavAfawivA minqganDutakeve. miminqganDunq rawusqmAlu fudEvaraSq) wemq. wemq. wE winq kanDawaLuwqvAfawivA gotunq maduvegenq 8 winqsawqta( huritObelumaSq bEnqkuge rawusqmAlAwi belenqsq CITqgawi bayAnqkoSqfawivA weseTqtakA waLAbalaweve. mIge wituraSq belenqsq CITq gawi nuhimenE komiTqmanqTqtakAwi mArkeTAwi risqkuge minqvaru denegatumaSq vewiTeDq wadadu takewq bEnunqkureveweve.
bEnqkuge rawusqmAlu fudE minqvarakI:
76
mAlIbayAnqtakA guLE mAlIbayAnqtakA guLE mAlIbayAnqtakA guLE mAlIbayAnqtakA guLE mAlIbayAnqtakA guLE
nOTqtawq nOTqtawq nOTqtawq nOTqtawq nOTqtawq
bEnqkq wofq mOlqDivqsq plk - waharI ripOTq 5002
d. d. d. d. d.dewqkunq fasqkurevifawivA wAmqdanI Tekqsq dewqkunq fasqkurevifawivA wAmqdanI Tekqsq dewqkunq fasqkurevifawivA wAmqdanI Tekqsq dewqkunq fasqkurevifawivA wAmqdanI Tekqsq dewqkunq fasqkurevifawivA wAmqdanI Tekqsqdewqkunq fasqkurevifawivA wAmqdanI Tekqsq bayAnqkurevenI sIdA wadadunq lawibiliTIge gotq bEnunqkoSqgenq weseTAwi lawibiliTIwaSq binAkurevE Tekqsqge wasAsunqe vagutItafAtu mAlI bayAnqtakugawi bayAnqkurumunqneve. dewqkunq fasqkurevE Tekqsqge minqvaru bayAnqkuranI miihAru wamalukurevE Tekqsq rETqbEnunqkoSqgenqneve.
pqropaTI, pqlAnqTq wAwi wikuwipqmenqTunq balaSq kenDumAwi lOnuge gewqlumaSq hadA pqroviRanqtawq wEge wasAsakaSq vegenq vagutI tafAtu wAdeweve.
t. t. t. t. t.gabUlukurunqtawq gabUlukurunqtawq gabUlukurunqtawq gabUlukurunqtawq gabUlukurunqtawqgabUlukurunqtakuge terEgawi himenenI kasqTamarunqge bilqtawq wadAkurumaSq bEnqkunq havAluvA havAluvunqtakeve. bEnqku wunqmIdukuranI bEnqkunq dawqkawidE bilqtakaSq wekuwekIgawikasqTamaruvesq fawisA dewqkumaSeve. gabUlukurunqtakuge muwAmalAtutawq belenqsq CITqgawi bayAnqnukoSq, wehAmakoSqfawivanI konqTijenqTq lawibiliTIzq wAwi komiTqmanqTqsqgeterEgaweve.
l. l. l. l. l.fiDiwuCarI harakAtqtawq fiDiwuCarI harakAtqtawq fiDiwuCarI harakAtqtawq fiDiwuCarI harakAtqtawq fiDiwuCarI harakAtqtawqwAnqmugotewqgawi bEnqku harakAtqterivanI wamAnAtqteriwewqge gotunqnAwi wehenihenq fiDiwuCarI harakAtqtawq hinqgawidE farAtewqge gotunq farudunqge farAtunq wemIhunqge weseTqtakAwivagufutakAwi riTayarmanqTq benefiTqge rEvunqtakAwi wehenihenq muwawqsasAtutawq balahawqTawidinumugaweve. miweseTqtakAwi miwaSq libE wAmqdanI wakI bEnqkuge milqkakaSq nuvAtImAlI bayAnqtakugawi himanAfawewqnuveweve.
g. g. g. g. g.wAmqdanI wAwi Karadu wAmqdanI wAwi Karadu wAmqdanI wAwi Karadu wAmqdanI wAwi Karadu wAmqdanI wAwi KaraduwinqTaresqTqge gotugawi libEwAmqdanIwAwi Karadu wAmqdanIge bayAnugawi fAhagakurumugawi winqTaresqTqlibE hurihA wewqcewq himanAfawivanI wewinq wenqme boDu nafawewq libEgotaSqgatqwagugawi winqTaresqTq wituruvAgotaSeve.
N. N. N. N. N.wAmqdanIfAhagakurunq wAmqdanIfAhagakurunq wAmqdanIfAhagakurunq wAmqdanIfAhagakurunq wAmqdanIfAhagakurunq
)h( kasqTamarunqge lOnaSq libE winqTaresqTq wAmqdanI )h( kasqTamarunqge lOnaSq libE winqTaresqTq wAmqdanI )h( kasqTamarunqge lOnaSq libE winqTaresqTq wAmqdanI )h( kasqTamarunqge lOnaSq libE winqTaresqTq wAmqdanI )h( kasqTamarunqge lOnaSq libE winqTaresqTq wAmqdanIkasqTamarunqnaSq dUkurevE lOnuge wisqTaresqTq balanI wituruvAgotaSeve. wekamaku lOnuwanburA libumAmedu Cawqku wufediwqjenama winqTaresqTq wAmqdanI waSqlunq huwqTeweve. mihenqhadanI wewqcewq nulibi 09duvahaSq vure wituruvumunqneve. mifada wAmqdanI libenqdenq winqTaresqTq wAmqdanI geterEgawi nuhimanaweve.
)S( komiCanAwi fIge wAmqdanI )S( komiCanAwi fIge wAmqdanI )S( komiCanAwi fIge wAmqdanI )S( komiCanAwi fIge wAmqdanI )S( komiCanAwi fIge wAmqdanImawiganDugotewqgawi komiCanAwi fIge terEgawi himenenI bEnqkunq kasqTamarunqnaSq dE gerenqTI wAwi KidumatqtakaSq kasqTamarunqge farAtunq libenqvA wewqcakAwirAwqjEnqbEraSAwi rAwqjEgawi dawqkawidE fawisAwaSq libE fIweve. mifada wewqceti balanI Kidumatq devifawivumAweku wAmqdanI ge gotugaweve.
bilqwofq wekqsqcEnqjq wenqDOrsqkoSqdIgenq libE wAmqdanI balanI bilqlibi we dUkoSq nuvata wenqDOzqkoSq wewaSq libenqvA wewqcewq libumunqneve.
)n( wufewqdunq terinUnq lOnunq wanburA libE bawi )n( wufewqdunq terinUnq lOnunq wanburA libE bawi )n( wufewqdunq terinUnq lOnunq wanburA libE bawi )n( wufewqdunq terinUnq lOnunq wanburA libE bawi )n( wufewqdunq terinUnq lOnunq wanburA libE bawiwufewqdunqteri nUnq lOnuge terewinq wanburAlibE wadadutawqbalanI fawisAge gotugawi libE wAmqdanIwewqge gotugaweve. mIge minqvarewqkamugawi balanI hadAfawivApqroviRanAwi wewqvarakaSeve.
s. s. s. s. s.waLawibelunq waLawibelunq waLawibelunq waLawibelunq waLawibelunqmiwaharuge hisAbutawq bayAnqkurumugawi waLawibelEwaharuge hisAbutakaSq konqmehenq genqnanqjehE badalutawq genevifawivAneweve.
77
mAlIbayAnqtakA guLE mAlIbayAnqtakA guLE mAlIbayAnqtakA guLE mAlIbayAnqtakA guLE mAlIbayAnqtakA guLE
nOTqtawq nOTqtawq nOTqtawq nOTqtawq nOTqtawq
lOnewq wanburA nulibEnekamaSq belevumAweku, wekamaSq hadAfawivApqroviRanqwA waLawifoheleveweve. fohelAfawivA lOnewq fahunq wanburA libiewqjenama, wewinq libEwewqcewq vawqdanIwAmqdanI hisAbuge terewaSeve.
k. k. k. k. k.pqroparTI, pqlAnqTqwAwi wikqwipqmenqTq pqroparTI, pqlAnqTqwAwi wikqwipqmenqTq pqroparTI, pqlAnqTqwAwi wikqwipqmenqTq pqroparTI, pqlAnqTqwAwi wikqwipqmenqTq pqroparTI, pqlAnqTqwAwi wikqwipqmenqTqpqroparTI, pqlAnqTq wAwi wikqwipqmenqTq bayAnqkoSqfawivanI gatq wagunq balawigenq ”tedu rongu“ wusUlunqneve. tirIgawi bayAnqkoSqfawi wevanI wekibAvatuge weseTq wekaSIgenqvAgotewqgawibEnunqkurevEne muwqdateve.
bEnqkuge wimArAtqtawq02 waharukomqpiwuTar hArDqvewar wAwi sofqTqvewar3-5 waharufarunIcar wAwi wikqwipqmenqTq3-5 waharuwinqjInulI takewqcAwi wuLandu faharu5 waharu
kuwqyaSqhifAfawivA wimArAtqtawq balaSq kanDamunq genqdanI kuwqyaSq hifAfawivA muwqdatu nunimenIsq balaSq kanDawi nimEne muwqdatakaSq balawigenqneve.
balaSq kanDanq faSanI weweseTewqge bEnunq kuranqfaSA tArIKakunq feSigenqneve.
weseTewqge bayAnqkurevE wagu wewinq libEnekamaSq lafAkurA wagaSqvure mativewqjenama, vagutunq wewinq libEne wagu bayAnqkureweve.
balaSq kanDamunqdA weseTakaSq jehifawivA wadadu dimAvA hAdisAwewqge sababunq nuvata hAlataSq wanqna badalakunq nunukunqnAnekamaSq fenqnanama, wegewqlumewq vazanqkureveweve.weseTewqge wagu weweseTakunq nerevEnekamaSq lafAkurA wadadaSqvure boDunama, wewesaTakunq nerevEne wadaduge badalugawi weweseTqge wagu vagutunq liyelanIweve. nerevEne wagakIweseTqge hamawagunq viwqkumuge wagAwi bEnunqkurumuge wagu kenDumunq wonqna matI wadadeve.
w. w. w. w. w.kuwqyaSq dIfawivAdinunq kuwqyaSq dIfawivAdinunq kuwqyaSq dIfawivAdinunq kuwqyaSq dIfawivAdinunq kuwqyaSq dIfawivAdinunqweseTq kuwqyaSq dinumugawi wewinq libE gewqlunq nuvata fawidA wakI kuwqyaSq dEfarAtuge wewqcewqge gotugawi kuwqyaSq dinumuge terEgawi bayAnqkureveweve. kuwqyaSq dinumA guLigenqdawqkA fawisA kuwqyaSq dIfawivA muwqdatugeterEgawi ”tedurongu“ wusUlunq wAmqdanI bayAnugawi bayAnq kureveweve.
kuwqyaSq dIfawivA dinumewq kuwqyaSq dIfawivA muwqdatuge kurIgawi wuvAleviwqjenama, jurumanAge gotugawi kuwqyaSq dEfarAtaSq dawqkanqjehE fawisA wemuwqdatuge terEgawi bayAnqkuranIKaradewqge gotugaweve.
v. v. v. v. v.fawisA wAwi fawisAwA wewqfada taketi fawisA wAwi fawisAwA wewqfada taketi fawisA wAwi fawisAwA wewqfada taketi fawisA wAwi fawisAwA wewqfada taketi fawisA wAwi fawisAwA wewqfada taketifawisA wAwi fawisAwA wewqfada taketIge gotugawi fawisA libunugotAwi hEdavigotuge bayAnugawi bayAnqkoSqfawivanI we libunufahunq 09 duvahaSq vure kuru muwqdatewqge teregawitasawqrafufudE bAkItakeve. mIgeterEgawi wehenq bEnqkutakunq libenqjehE fawisA wAwi wadadutawq himeneweve.
m. m. m. m. m.pqroviRanqtawq pqroviRanqtawq pqroviRanqtawq pqroviRanqtawq pqroviRanqtawqpqroviRanewq fAhagakuranI bEnqkaSq QAnUnIgotunq nuvata wehenivesq gotewqgawi, bEnqkunq wigutisAdI fawidAwewqlibE vasIlatewqbEruvegenqdAwiru, wEge badalu dinumaSq lAzImqkurAtI,welAzimqkurAkurunq fUbewqdumaSq wekaSIgenqvA wanqdAsAwewq koSq weminqvarewq bayAnqkurumaSeve.
f. f. f. f. f.bayAnqkoSqfawivA minqvarewq hEdakurumuge pqlEnq bayAnqkoSqfawivA minqvarewq hEdakurumuge pqlEnq bayAnqkoSqfawivA minqvarewq hEdakurumuge pqlEnq bayAnqkoSqfawivA minqvarewq hEdakurumuge pqlEnq bayAnqkoSqfawivA minqvarewq hEdakurumuge pqlEnqbEnqkuge hurihA muvawqzafunqnakI bEnqkq wofq mOlqDivqsq plk ge pqroviDenqTq fanqDuge memqbarunqneve. mifanqDaSq konqme muvawqzafewqge masqduvahuge wasAsI musArawige01 winq sawqtabEnqkunq jamAkureweve.
bEnqkq wofq mOlqDivqsq plk - waharI ripOTq 5002
78
mAlIbayAnqtakA guLE mAlIbayAnqtakA guLE mAlIbayAnqtakA guLE mAlIbayAnqtakA guLE mAlIbayAnqtakA guLE
nOTqtawq nOTqtawq nOTqtawq nOTqtawq nOTqtawq
bEnqkq wofq mOlqDivqsq plk - waharI ripOTq 5002
)n( )n( )n( )n( )n(viwqkAlevenq hunqna viwqkAlevenq hunqna viwqkAlevenq hunqna viwqkAlevenq hunqna viwqkAlevenq hunqnaviwqkAlevenq hunqna winqvesqmanqTqtakakI kanDaweLE vaki muwqdatewqnetq gotugawi bahawqTAfawi hurumaSqfahu, bEnunqjehEgotakunq viwqkAlevenq hunqna winqvesqTqmanqTqtakeve.migotunq viwqkAlevEnI fawisA waSqbEnunqvumunq, nuvata winqTaresqTq rETaSq badalu wawumunq nuvata bErufawisA mArukurevE rETqtakaSq badalu wawunq nuvata wikuwiTIge wagutafAtuvunq fada bEnumakA guLigenqneve.
tasawqrafu fudenqdenq bahawqTAfawivA weseTAwi viwqkAlevenq hunqna weseTewq gane nuvata viwqkawi hadawifinama wekanq fAhagakuranI wemuWAmalAtewq hingitArIKu gaweve. wewIweweseTewq ganqnanq nuvata viwqkAlumaSq bEnqkunq ninqmA tArIKeve. lOnewq fAhagakuranI lOnunagA farAtaSq fawisA dUkurumunqneve. mAlI weseTqtawqfuratama fAhagakurevenI wEgewagAwi muWAmalAtukurumuge wagu himanawigenqneve. mAlI weseTewq wagukurevenI wEge fawidAwAwi gewqlumaSq beligenq hamawagugawewq nUneve. mAlI weseTakunq libenqhamajehifawivA fawisA libumuge muwqdatuhamavumunq nuvata bEnqkunq weweseTakunq libEne gewqlumAwi fawidAge milqkuverikanq badalukurumunq weweseTq fAhagakurunqwehisAbunq nimEneweve.
viwqkAlevenq hunqna mAlI weseTqtawq wagukurevigenqdanI hamawagugaweve. viwqkAlevenq hunqna mAlI weseTakA guLigenq libE fawidAwAwi gewqlunq sIdA wikuwiTIgawifAhagakureveweve. wewI weweseTewq fAhagakurunq huwqTAlanqdenq nuvata nawqtAlevenqdenqneve. mihisAbunq weseTAguLigenq kurinq wikuwiTIgawi himanAfawivA jumqlafawidA nuvata gewqlunq fawidAwewq nuvata gewqlumewqge gotugawi fAhagakurevEneweve. viwqkAlevenq hunqna bawigeterewinq hiwqsAdArunqnaSq bahanqjehEbawi wAmqdanIge bayAnugawiwewaSq fawisA libEnekanq kanDawaLA hisAbunq fAhagakureveweve.
winqvesqTqmanqTuge hama wagu binAvanI bIlamaSq huSaheLifawivA wagunq nuvata fawisA vanqnAne mAdirItakunqneve. sekiwuriTIge terEgawilisqTqkurevifawinuvA wikuwiTIgehama wagu wanqdAsAkurevenI jehE wagu/ libEvaru nuvata wagu/ vanqna fawisAge rECiwOwaSq balawi KAwqBakoSq dUkurA farAtuge hAlataSq balawigenqneve. sekiwuriTIgeterEgawi himenifawivA wikuwiTIge hamawagu barAbaraSq vazanqkuranq dativewqjenama, wefAhagakurAnI wagunq halAku kenDumaSqfahu wonqna wewqcakaSq balawigenqneve. viwqkAlevenqhunqna bawigawi himanAfawivA sekiwuriTIwaSq libunufawidAwAwi gewqlumuge gotugawi himanAfawiveweve.
b. b. b. b. b.komqpiwuTar sofqTqvewar tawqyArukurumuge wagu komqpiwuTar sofqTqvewar tawqyArukurumuge wagu komqpiwuTar sofqTqvewar tawqyArukurumuge wagu komqpiwuTar sofqTqvewar tawqyArukurumuge wagu komqpiwuTar sofqTqvewar tawqyArukurumuge wagu
wAnqmugotewqgawi komqpiwuTar sofqTqvewar pqrogqrAmqtawq tawqyArukurumaSq hEdaavAwewqcewq, wehEdavA wiru bayAnqkurevenI Karadewqge gotugaweve. komqpiwuTar sofqTqvewarpqrogqrAmqtakuge wasqlu sqpesifikECanq wAwi bayAnqkoSqfawivA wumuraSq vure wituraSq bEnunqkurevE hAlatutakugawi wewaSq hingAfawivA KaradubelevenI rawusqmAlaSq libEkuriwerumewqge gotugawi wasqluwagaSq witurukurevE wewqcewqgegotugaweve. komqpiwuTar sofqTqvewar tawqyArukurumaSq hingA Karadu weseTewqge gotugawi balawi tedu rongu wusUlubEnunqkoSqgenq webEnunqkurevE wumuruge terEgawi balanq kanDawileveweve.
L. L. L. L. L.lOnAwi lOnuge gewqlumaSq hedE pqroviRanq lOnAwi lOnuge gewqlumaSq hedE pqroviRanq lOnAwi lOnuge gewqlumaSq hedE pqroviRanq lOnAwi lOnuge gewqlumaSq hedE pqroviRanq lOnAwi lOnuge gewqlumaSq hedE pqroviRanq
konqme lOnewqvesq welOnewq nagAfarAtAwi fawisA havAlukurevE vagutu lOnewqge gotugawi fAhagakureveweve.
lOnewq wanburA libumA medu Cawqku wufedE wiraSq wEge gewqlunq menEjqmanqTunq wanqdAsAkoSq wewaSq KAwqBa pqroviRanewq hadaweve.lOnunq libidAne gewqlumaSq bawiwaLanI lOnq nagAfawivA kasqTamarAmedu medukeDumewqneti belumaSqfahu, lOnuge wumuraSq balawigenq bawikurumaSqq mOlqDivqsq maniTarI wotOriTIwinqkanDawaLuwqvAfawivA wanqnanivi minqganDunqneve.
lOnq wanburA nudawqkAwotqmuwqdatu lOnq wanburA nudawqkAwotqmuwqdatu lOnq wanburA nudawqkAwotqmuwqdatu lOnq wanburA nudawqkAwotqmuwqdatu lOnq wanburA nudawqkAwotqmuwqdatukankankankankanDaweLibawi DaweLibawi DaweLibawi DaweLibawi DaweLibawibahawqTA minqvaru bahawqTA minqvaru bahawqTA minqvaru bahawqTA minqvaru bahawqTA minqvaru3-6 masqKAwqBakoSqbayAnqkurA%56 mahaSqvure wituru wadi 21 mahA hamawaSqwAdawige waSqvure daSq%01- %0221 mahaSqvure wituru wadi 42 mahA hamawaSqyagInqkanq netq%53-%0542 mahaSqvure witurugewqlunq%001
lOnunq libE gewqlunq fUbewqdumaSq belenqsq CITqge tArIKugawi wAnqmu pqroviRanewq hadAfawi viyasq, we KAwqBagotewqgawi bayAnqkoSqfawewq nuveweve.
79
mAlIbayAnqtakA guLE mAlIbayAnqtakA guLE mAlIbayAnqtakA guLE mAlIbayAnqtakA guLE mAlIbayAnqtakA guLE
nOTqtawq nOTqtawq nOTqtawq nOTqtawq nOTqtawq
1. 1. 1. 1. 1.wAnqmu maWulUmAtu wAnqmu maWulUmAtu wAnqmu maWulUmAtu wAnqmu maWulUmAtu wAnqmu maWulUmAtu
bEnqkq wofq mOlqDivqsq plk ge mawiganDu harakAtqtakuge terEgawi himenenI viyafAri bEnqkutakunq kurA viyafArikurumAwi, wehenihenq fawisAge Kidumatqtawq kamugawivAviyafArikuranq fawisAdinumAwi, fawisA rawqkAkoSqdinumAwi, tarawqgIge kanqkamaSqfawisA dinumeve.
miwI divehirAwqjEgawi rajisqTqrIkoSqgenq hinqgamunqdA limiTeDq lawibiliTI kunqfunqNeekeve. rajisqTqrI weDqrehakI 11, boDutakurufAnu magu, mAle, 49002 divehirAwqjeweve.
mibEnqkakI rAwqjEge hiwqsAge bAzArugawi lisqTqkurevifawivA kunqfunqNewqmeweve.
2. 2. 2. 2. 2.hisAbu belehewqTumuge mawigan hisAbu belehewqTumuge mawigan hisAbu belehewqTumuge mawigan hisAbu belehewqTumuge mawigan hisAbu belehewqTumuge mawiganDu siyAsatutakuge KulABA Du siyAsatutakuge KulABA Du siyAsatutakuge KulABA Du siyAsatutakuge KulABA Du siyAsatutakuge KulABA
mAlI bayAnqtawq tawqyArukurumugawi bEnunqkoSqfawivA hisAbu belehewqTumuge mawiganDu siyAsatutawq tirIgawi bayAnqkoSqfawiwevanIweve. hurihA waharewqge hisAbutawq bayAnqkurumugawimisiyAsatutawq wewqgotakaSq bEnunqkurevifawiveweve. wenUnq tafAtugotakaSq bEnunqkurevifawivAnama, wekanq bayAnqkoSqfawivAneweve.
h. h. h. h. h.huSahaLAfawivA gotq huSahaLAfawivA gotq huSahaLAfawivA gotq huSahaLAfawivA gotq huSahaLAfawivA gotqmAlI bayAnqtawq tawqyArukoSqfawivanI mAlI hisAbutawq bayAnqkurumuge bawinalqwaQqvAmI hamatakAwi minqganDutakA wewqgotaSeve. mAlIbayAnqtawq tawqyArukurumugawi wagutawqbayAnqkoSqfawivanI”hisqTorikalq kosqTq konqvenqCanq“ wA wewqgotqvAgotunq muWAmalAtewq hingi wiruge wagu bayAnqkurA wusUlunqneve. migotunq weseTq wAwi lawibiliTIzq wAwirawusqmAluge wagu bayAnqkoSqfawivanI wewewqcewq hOdiwiruge wagugaweve.
S. S. S. S. S.bEru fawisA badalukurunq bEru fawisA badalukurunq bEru fawisA badalukurunq bEru fawisA badalukurunq bEru fawisA badalukurunqbErufawisAge muWAmalAtqtawq hisAbukoSqfawivanI wemuWAmalAtewq hingi tArIKuge wekqsqcEnqjq rETqgaweve. bErufawisA badalu kurumuge fawidA nuvata gewqlumAwi bErufawisAwinqhuri weseTqwAwi lawibiliTIzq wAmqdanIge bayAnugawi bayAnqkoSqfawivAneweve. mifada bAkItawq bayAnqkoSqfawivanI waharu nimE tArIKuge wekqsqcEnqjq rETqge medu wagugaweve. minUnqgotakaSq wagukoSqfawivAnI kuriwaSq wewqbasqvefawivA wewqbasqvunq takugaweve.
n. n. n. n. n.mAlI winqsqTqrumenqTqtawq lawijewqsunq mAlI winqsqTqrumenqTqtawq lawijewqsunq mAlI winqsqTqrumenqTqtawq lawijewqsunq mAlI winqsqTqrumenqTqtawq lawijewqsunq mAlI winqsqTqrumenqTqtawq lawijewqsunqmAlI weseTqtakAwi lawibiliTIzqtawq belenqsq CITaSq vewqdumugawi huwqdalibigenqvA hAlatutakugawi wekatiwanekawqcaSq lawijawqsawi wunikurevifawivAneweve. nuvata bayAnqkoSqfawivAnIwEge sAfu bAkI weve. wehenqnUnqnama wekuwekIgawi weseTq libigane lawibiliTI wadAkoSqfawivAneweve.
r. r. r. r. r.mAlI weseTqtawq mAlI weseTqtawq mAlI weseTqtawq mAlI weseTqtawq mAlI weseTqtawqbEnqkunq mAlI weseeTqtawq bawibayaSq waLAfawivanI wanqnanivigotaSeve:- lOnAwi libenq huri ; tasawqrafu fudenqdenq bahawqTAfawi hunqna winqvesqTqmanqTqtawq; wadi viwqkAlevenqhunqna mAlI weseTqtawq. winqvesqTqmanqTutakuge bawi menEjqmanqTunq kanDawaLanI wewinqvesqTqmanqTewq furatama fAhagakurA vagutugaweve.
)h( )h( )h( )h( )h(lOnAwi libenqhuri lOnAwi libenqhuri lOnAwi libenqhuri lOnAwi libenqhuri lOnAwi libenqhurilOnAwi libenqhuri fawisAwakI wemAlI weseTq harakAtqteri mAkeTewqgawi bayAnqnukoSq hunqna hurumugawi kanDaweLibayAnqkurevifawivA minqvarakaSq nuvata kanDaweLEminqvarakaSq wanburA fawisA dawqkanqjehE gotaSq hunqna mAlI weseTekeve. migotaSq hamajehenI daraniveriyakaSq bEnqkunq dUkurA fawisAwakunq, mudalakunq nuvata KidumatakAguLigenq viyafArikurumaSq gasqtukurumakA nulA wanburAlibEgotaSq fawisAdUkurumunqneve.
)S( )S( )S( )S( )S(tasawqrafu fudenqdenq bahawqTA tasawqrafu fudenqdenq bahawqTA tasawqrafu fudenqdenq bahawqTA tasawqrafu fudenqdenq bahawqTA tasawqrafu fudenqdenq bahawqTAtasawqrafu fudenqdenq bahawqTA winqvesqTqmanqTqtakakI wemAlI weseTq harakAtqteri mAkeTewqgawi bayAnqnukoSq hunqna hurumugawi kanDaweLibayAnq kurevifawivAminqvarakaSq nuvata kanDaweLE minqvarakaSq wanburA fawisA dawqkanqjehE gotaSq hunqna mAlI weseTeve. migotaSq hamajehenI daraniveriyakaSq bEnqkunq dUkurA fawisAwakunq,mudalakunq nuvata KidumatakA guLigenq viyafArikurumaSq gasqtukurumakAnulA wanburAlibEgotaSq fawisAdUkurumunqneve.
bEnqkq wofq mOlqDivqsq plk - waharI ripOTq 5002
80
fawisA libunugotAwi fawisA libunugotAwi fawisA libunugotAwi fawisA libunugotAwi fawisA libunugotAwi
hEdavIgotuge bayAnq hEdavIgotuge bayAnq hEdavIgotuge bayAnq hEdavIgotuge bayAnq hEdavIgotuge bayAnq
bEnqkq wofq mOlqDivqsq plk - waharI ripOTq 5002
miwAweku safuhA 97 winq safuhA 06 waSq himenifawivA mAlI bayAnqtakA guLE nOTqtakakI mAlIbayAnqtakuge bawekeve.
13 Disemqbar gawi nimunu waharu 13 Disemqbar gawi nimunu waharu 13 Disemqbar gawi nimunu waharu 13 Disemqbar gawi nimunu waharu 13 Disemqbar gawi nimunu waharu)hurihA wadadewq divehi rufiyA winq( nOTq 5002 nOTq 5002 nOTq 5002 nOTq 5002 nOTq 5002 4002 4002 4002 4002 4002
hinqgi harakAtqtakunq dawuruvi fawisA hinqgi harakAtqtakunq dawuruvi fawisA hinqgi harakAtqtakunq dawuruvi fawisA hinqgi harakAtqtakunq dawuruvi fawisA hinqgi harakAtqtakunq dawuruvi fawisAwinqTaresqTaSq libunufIwAwi komiCanaSq libunuhiwqsA gefawidAge wAmqdanIviyafArIge sAfu wAmqdanIhinqgumunq libunu wehenihenq wAmqdanIwinqTaresqTaSq devunumuvawqzafunqnaSq devunu fawisA wAwi wehenihenq Karaduhinqgumuge weseTqtakAwi lawibiliTIzqtakaSq badalutawqwawumuge kurinq hinqgi harakAtqtakunq dawuruvi fawisA
hinqgumunq weseTaSAwi lawibiliTIzaSq wawibadalu: hinqgumunq weseTaSAwi lawibiliTIzaSq wawibadalu: hinqgumunq weseTaSAwi lawibiliTIzaSq wawibadalu: hinqgumunq weseTaSAwi lawibiliTIzaSq wawibadalu: hinqgumunq weseTaSAwi lawibiliTIzaSq wawibadalu:wemq wemq wE gawi huri rizAvq wituruviwemq wemq wEgawi huri wesawinqDq kepiTalq DipoziTq maduvikasqTamarunqnaSq dUkurevunu lOnu wituruviwehenihenq weseTq )wituruvi(/maduvikasqTamarunqnaSq dEnqhuri fawisA wituruviwehenihenq lawibiliTIzq wituruviTekqsqge kurinq hinqgi harakAtqtakunq dawuruvifawisAge sAfu jumqla
Tekqsqge gotugawi dewqki
hinqgi harakAtqtakunq vatq fawisAge sAfu jumqla
winqvesqTqkurumuge harakAtqtakunq dawuruvi fawisA winqvesqTqkurumuge harakAtqtakunq dawuruvi fawisA winqvesqTqkurumuge harakAtqtakunq dawuruvi fawisA winqvesqTqkurumuge harakAtqtakunq dawuruvi fawisA winqvesqTqkurumuge harakAtqtakunq dawuruvi fawisApqroparTI, pqlAnqTAwi wikqwipqmenqTq ganegenqpqroparTI, pqlAnqTAwi wikqwipqmenqTq viwqkawigenqbonqDu gawi winqvesqTq kuri
winqvesqTq kurumuge harakAtunq vatq fawisAge sAfujumqla
mAlI harakAtqtakunqq dawuruvi fawisA mAlI harakAtqtakunqq dawuruvi fawisA mAlI harakAtqtakunqq dawuruvi fawisA mAlI harakAtqtakunqq dawuruvi fawisA mAlI harakAtqtakunqq dawuruvi fawisAwanburAdawqkanq negifawisA gegotugawi libunuwanburAdawqkanq negifawisA dewqkunuhiwqsAge fawidA waSq devunumAlI harakAtqtakugawi bEnunqkurevunu fawisAge sAfu jumqla
fawisAwAwi fawisAwAwi wewqgotq taketi wituruvumuge sAfu jumqlaa fawisAwAwi fawisAwAwi wewqgotq taketi wituruvumuge sAfu jumqlaa fawisAwAwi fawisAwAwi wewqgotq taketi wituruvumuge sAfu jumqlaa fawisAwAwi fawisAwAwi wewqgotq taketi wituruvumuge sAfu jumqlaa fawisAwAwi fawisAwAwi wewqgotq taketi wituruvumuge sAfu jumqlaawaharu feSunuwiru fawisAwAwi fawisAwA wewqgotq taketi huriwaharu nimunuwiru fawisAwAwi fawisAwA wewqgotq taketi huri waharu nimunuwiru fawisAwAwi fawisAwA wewqgotq taketi huri waharu nimunuwiru fawisAwAwi fawisAwA wewqgotq taketi huri waharu nimunuwiru fawisAwAwi fawisAwA wewqgotq taketi huri waharu nimunuwiru fawisAwAwi fawisAwA wewqgotq taketi huri
34
24
18
238,574,737
95,367,628
250,000
13,639,896
11,192,111
(63,515,271)
(99,490,075)
196,019,026
(100,980,624)
-
(1,089,847,702)
(6,914,703)
763,477,515
9,174,117
(229,072,371)
(25,014,493)
(254,086,864)
(13,728,556)
137,867
(5,000,000)
(18,590,689)
-
(17,989,943)
(11,488,695)
(29,478,638)
(302,156,191)
522,752,707
220,596,516
198,543,251
59,985,663
-
12,117,771
15,942,016
(55,355,937)
(101,726,759)
129,506,005
(171,736,105)
3,258,000
(821,087,347)
494,912
842,920,666
16,713,481
69,612
(9,862,406)
(9,792,794)
(17,109,777)
112,125
(5,000,000)
(21,997,652)
34,459,865
(13,547,533)
(11,500,420)
9,411,912
(22,378,534)
545,131,241
522,752,707
81
wikuwiTI waSq wikuwiTI waSq wikuwiTI waSq wikuwiTI waSq wikuwiTI waSq
wawi badalu wawi badalu wawi badalu wawi badalu wawi badalu
10 jenuwarI 4002 ge bAkI 10 jenuwarI 4002 ge bAkI 10 jenuwarI 4002 ge bAkI 10 jenuwarI 4002 ge bAkI 10 jenuwarI 4002 ge bAkI
waharuge sAfufawidA
3002 waharuge hiwqsA ge fawidA
13 Disemqbar 4002 ge bAkI 13 Disemqbar 4002 ge bAkI 13 Disemqbar 4002 ge bAkI 13 Disemqbar 4002 ge bAkI 13 Disemqbar 4002 ge bAkI
10 jenuwarI 5002 ge bAkI 10 jenuwarI 5002 ge bAkI 10 jenuwarI 5002 ge bAkI 10 jenuwarI 5002 ge bAkI 10 jenuwarI 5002 ge bAkI
waharuge sAfufawidA
4002 waharuge hiwqsA ge fawidA
13 Disemqbar 5002 ge bAkI 13 Disemqbar 5002 ge bAkI 13 Disemqbar 5002 ge bAkI 13 Disemqbar 5002 ge bAkI 13 Disemqbar 5002 ge bAkI
miwAweku safuhA 97 winq safuhA 06 waSq himenifawivA mAlI bayAnqtakA guLE nOTqtakakI mAlIbayAnqtakuge bawekeve.
14
14
11,270,040
-
-
11,270,040
11,270,040
-
-
11,270,040
36,516,000
-
-
36,516,000
36,516,000
-
-
36,516,000
272,599,098
76,682,943
(10,954,800)
338,327,241
338,327,241
94,440,409
(11,563,400)
421,204,250
224,813,058
76,682,943
(10,954,800)
290,541,201
290,541,201
94,440,409
(11,563,400)
373,418,210
)hurihA wadadewq divehi rufiyA winq(jumqla jumqla jumqla jumqla jumqla QAnUnI rizAvq QAnUnI rizAvq QAnUnI rizAvq QAnUnI rizAvq QAnUnI rizAvq hiwqsAge mUnumatI hiwqsAge mUnumatI hiwqsAge mUnumatI hiwqsAge mUnumatI hiwqsAge mUnumatIwagaSqvure wituru wagaSqvure wituru wagaSqvure wituru wagaSqvure wituru wagaSqvure wituru
nOTq nOTq nOTq nOTq nOTqhiwqsAge hiwqsAge hiwqsAge hiwqsAge hiwqsAgerawusqmAlq rawusqmAlq rawusqmAlq rawusqmAlq rawusqmAlq
bEnqkq wofq mOlqDivqsq plk - waharI ripOTq 5002
82
belenqsq belenqsq belenqsq belenqsq belenqsq
CITq CITq CITq CITq CITq
bEnqkq wofq mOlqDivqsq plk - waharI ripOTq 5002
16
17
19
20
23
24
25
26
27
29
28
30
30
31
32
220,596,516
891,215,073
61,601,044
2,827,517,439
16,425,000
75,184,469
29,545,240
4,122,084,781
3,539,667,602
71,098,000
2,180,851
52,107,681
30,514,598
4,670,574
641,225
3,700,880,531
36,516,000
11,270,040
373,418,210
421,204,250
4,122,084,781
682,703,654
472,835,206
840,151,950
32,763,935
1,821,166,165
11,425,000
75,983,424
26,763,474
3,281,089,154
2,776,190,087
89,087,943
2,377,552
45,820,283
25,014,493
3,705,035
566,520
2,942,761,913
36,516,000
11,270,040
290,541,201
338,327,241
3,281,089,154
411,903,991
weseTqsq weseTqsq weseTqsq weseTqsq weseTqsqnagudu fawisAwAwi kurumuwqdatugawi libenqhurimOlqDivqsq maniTarI wotOriTI gawi huribilq wofq wekqsqcEnqjqlOnAwi weDqvAnqsqwinqvesqTqmenqTqpqroparTI, pqlAnqTq wAwi wikqwipqmenqTqwehenihenq weseTqweseTqge jumqla weseTqge jumqla weseTqge jumqla weseTqge jumqla weseTqge jumqla
lawibiliTIzq lawibiliTIzq lawibiliTIzq lawibiliTIzq lawibiliTIzqbEnqku nUnq kasqTamarunq DipoziTq koSqfawi huriwanburA dawqkanq negi fawisAdawqkanqhuri bilAwi gabUlukurunqtakAwi wehenihenq liyunqtakunq fenqna daraniwehenihenq lawibiliTIzqmihAruge Tekqsqdewqkunq fasqkoSqfawivA TekqsqhiwqsAdArunqnaSq dEnqjehE hiwqsAge fawidAlawibiliTIzqge jumqla lawibiliTIzqge jumqla lawibiliTIzqge jumqla lawibiliTIzqge jumqla lawibiliTIzqge jumqla
hiwqsAdArunqge wikuwiTI hiwqsAdArunqge wikuwiTI hiwqsAdArunqge wikuwiTI hiwqsAdArunqge wikuwiTI hiwqsAdArunqge wikuwiTIhiwqsAge rawusqmAluhiwqsAge mUnumatIge wagaSqvure wituraSq huririzAvqhiwqsAdArunqge wikuwiTI ge jumqla hiwqsAdArunqge wikuwiTI ge jumqla hiwqsAdArunqge wikuwiTI ge jumqla hiwqsAdArunqge wikuwiTI ge jumqla hiwqsAdArunqge wikuwiTI ge jumqla
lawibiliTIzq wAwi hiwqsAdArunqge wikuwiTIge jumqla lawibiliTIzq wAwi hiwqsAdArunqge wikuwiTIge jumqla lawibiliTIzq wAwi hiwqsAdArunqge wikuwiTIge jumqla lawibiliTIzq wAwi hiwqsAdArunqge wikuwiTIge jumqla lawibiliTIzq wAwi hiwqsAdArunqge wikuwiTIge jumqlaq
komiTqmenqTqtakAwi konqTinqjenqsIzq
13 Disemqbar 13 Disemqbar 13 Disemqbar 13 Disemqbar 13 Disemqbar)hurihA wadadewq divehi rufiyA winq( nOTq 5002 nOTq 5002 nOTq 5002 nOTq 5002 nOTq 5002 4002 4002 4002 4002 4002
mAlI bayAnqtawq 11 wEpqrilq 6002 gawi bODunq fAsqkurawqvawi bODuge farAtunq wEgawi sowikurawqvAfawivanI:
Wabqdulq HamIdu muHanqmadu fAYimatu CIrInq wabuduF serInq hO wowi kuwenqcewarmanq wadi menEjinqg DirekqTar DirekqTar jeneralq menEjar wadi cIfq wegqzekqTivq wofisar
miwAweku safuhA 97 winq safuhA 06 waSq himenifawivA mAlI bayAnqtakA guLE nOTqtakakI mAlIbayAnqtakuge bawekeve.
83miwAweku safuhA 97 winq safuhA 06 waSq himenifawivA mAlI bayAnqtakA guLE nOTqtakakI mAlIbayAnqtakuge bawekeve.
4
5
5
5
6
7
8
9
10
11
12
13
15
359,024,372
238,574,737
(63,515,271)
175,059,466
95,367,628
250,000
13,639,896
11,192,111
295,509,101
(40,453,697)
(23,883,349)
(54,659,319)
(50,592,190)
125,920,546
(31,480,137)
94,440,409
775.88
286,588,701
198,543,251
(55,355,937)
143,187,314
59,985,663
-
12,117,771
15,942,016
231,232,764
(34,863,272)
(21,625,974)
(42,067,794)
(29,909,167)
102,766,557
(26,083,614)
76,682,943
629.99
13 Disemqbar gawi nimunu waharu 13 Disemqbar gawi nimunu waharu 13 Disemqbar gawi nimunu waharu 13 Disemqbar gawi nimunu waharu 13 Disemqbar gawi nimunu waharu
jumqla wAmqdanI jumqla wAmqdanI jumqla wAmqdanI jumqla wAmqdanI jumqla wAmqdanI
winqTaresqTqge gotugawi libunu
winqTaresqTqge gotugawi hEdavi
winqTaresqTaSq libunu sAfu wAmqdanI winqTaresqTaSq libunu sAfu wAmqdanI winqTaresqTaSq libunu sAfu wAmqdanI winqTaresqTaSq libunu sAfu wAmqdanI winqTaresqTaSq libunu sAfu wAmqdanI
fI wAwi komiCanaSq libunu wAmqdanI
hiwqsAge fawidA waSq libunu wAmqdanI
bErufawisAge viyafAriwAwi muwAmalAtutakunq libunu sAfu wAmqdanI
hinqgumunq libunu wehenihenq wAmqdanI
hinqgumunq libunu wAmqdanI hinqgumunq libunu wAmqdanI hinqgumunq libunu wAmqdanI hinqgumunq libunu wAmqdanI hinqgumunq libunu wAmqdanI
kankankankankanDanq: Danq: Danq: Danq: Danq:hinqgumuge Karadutawq hinqgumuge Karadutawq hinqgumuge Karadutawq hinqgumuge Karadutawq hinqgumuge Karadutawq
muvawqzafunqnaSq hingi Karadutawq
WimArAtAwi wikqwipqmenqTaSq hingi Karadutawq
lOnuge gewqlumAwi wewAguLEgotunq behewqTifawi huri
hinqgumAbehE wehenihenq Karadutawq
Tekqsq negumuge kurinq fawidA Tekqsq negumuge kurinq fawidA Tekqsq negumuge kurinq fawidA Tekqsq negumuge kurinq fawidA Tekqsq negumuge kurinq fawidA
fawidAge Tekqsq
waharuge sAfu fawidA waharuge sAfu fawidA waharuge sAfu fawidA waharuge sAfu fawidA waharuge sAfu fawidA
hiwqsAwakaSq jehunu fawidA - wasAsI
)hurihA wadadewq divehi rufiyA winq( nOTq 5002 nOTq 5002 nOTq 5002 nOTq 5002 nOTq 5002 4002 4002 4002 4002 4002
wAmqdanIge wAmqdanIge wAmqdanIge wAmqdanIge wAmqdanIge
bayAnq bayAnq bayAnq bayAnq bayAnq
bEnqkq wofq mOlqDivqsq plk - waharI ripOTq 5002
84 bEnqkq wofq mOlqDivqsq plk - waharI ripOTq 5002
woDiTarunq ge woDiTarunq ge woDiTarunq ge woDiTarunq ge woDiTarunq ge
ripOTq ripOTq ripOTq ripOTq ripOTq
bEnqkq wofq mOlqDivqsq plk ge hiwqsAdArunqnaSq woDiTarunq huSahaLA ripOrTq bEnqkq wofq mOlqDivqsq plk ge hiwqsAdArunqnaSq woDiTarunq huSahaLA ripOrTq bEnqkq wofq mOlqDivqsq plk ge hiwqsAdArunqnaSq woDiTarunq huSahaLA ripOrTq bEnqkq wofq mOlqDivqsq plk ge hiwqsAdArunqnaSq woDiTarunq huSahaLA ripOrTq bEnqkq wofq mOlqDivqsq plk ge hiwqsAdArunqnaSq woDiTarunq huSahaLA ripOrTq
1bEnqkq wofq mOlqDivqsq plk ge 13 Disemqbar 5002 ge belenqsq CITAwi weduvahu nimunuwaharuge wAmqdanI bayAnAwi wikuwiTI waSq wawi badalAwi fawisAlibunugotAwi hEdavigotuge hisAbAwi hisAbukurumuge siyAsatAwi mAlI bayAnqtakA guLE nOTqtakAwiweku )safuhA 38 winq 06 waSq( balawifImeve.
DirekqTarunqnAwi woDiTarunqge masqwUliwqyatu DirekqTarunqnAwi woDiTarunqge masqwUliwqyatu DirekqTarunqnAwi woDiTarunqge masqwUliwqyatu DirekqTarunqnAwi woDiTarunqge masqwUliwqyatu DirekqTarunqnAwi woDiTarunqge masqwUliwqyatu
2safqhA 38 winq 06 waSq himenifawivA mAlI bayAnqtawq tawqyArukoSq huSaheLumakI kunqfunIge DirekqTarunqge masqwUliwqyatekeve. waLuganDumenqge masqwUliwqyatakImidenqnevi mAlI bayAnqtawq wODiTqkurumaSqfahu waLuganDumenqnaSq fenqna wewqcewq bunumeve.
ninqmunq binAkurigotq ninqmunq binAkurigotq ninqmunq binAkurigotq ninqmunq binAkurigotq ninqmunq binAkurigotq
3waLuganDumenq wODiTqkurI bawinalq waQqvAmI gotunq wODiTqkurumuge hamatakAwi minqganDutakA wewqgotqvAgotuge matinqneve. midenqnevi minqganDutakuge daSunq waLugaDumenqwODiTqkurumuge masawqkatq rAvawi tanqfIzukurumugawi bEnqku ge mAlI hisAbu takAbehE bayAnq takugawi woLuvAlumewq nuvAkamaSq yagInqkamAwiweku bunevEvaraSq maWulUmAtu hOdumaSqlAzimqkureweve. wODiTqkurumugawi mAlIhisAbutakA behE bayAnqtakugawi hAmakoSqfawivA wadadutakakI hagIgI wadadutakewqkanq sAbitukurevE varaSq heki hOdunq himeneweve. wehenqme wODiTqkurumugawi hisAbubelehewqTumuge wusUlutawq hifahawqTAfawivA minqvarewq belumAwi menEjqmanqTunq wekiweki wanqdAsAtawqkoSqfawivA gotuge harudanAkamaSq belumuge wituraSqmAlIhisAbutawq huSahaLAfawivAgotq vesq vazanqkuranqjeheweve. waLuganDumenq yagInqkurA gotugawi waLuganDumenq kuri wODiTqgawi midenqnevi kanqtawqtakuge mawqcaSq binAkoSqwewqcewq bunevEvaruveweve.
ninqmunq ninqmunq ninqmunq ninqmunq ninqmunq
4mIgawivA mAlI hisAbutakAwi bayAnqtakunq bEnqkq wofq mOlqDivqsq plk ge mAlI hAlatu 13 Disemqbar 5002gawi wotqgotq hagIgatA wewqgotaSq dawqkawidEkamaSqwaLuganDumenqnaSq feneweve. wadi wehenqme weduvahu nimunu waharu bEnqku hingAfawivAgotAwi wikuwiTI waSq wawi badalAwi fawisA libunugotAwi hEdavigotuge hisAbu balahawqTAfawihurI hisAbu belehewqTumuge bawinalqwaQqvAmI hamatakAwi minqganDutakA wewqgotaSq kamaSqvesq waLuganDumenqnaSq feneweve.
pqrawisqvOTarhawusqkUparsq cArTaDq wekawunqTenqTqsq
mAle
11 wEpqrilq 6002
85
misq serInq hO wowi kuwenq )jIwemq/sIwIwO(- magAmuge hawisiwqyatunq DirekqTar
DirekqTarunqge bODuge cewarmanakaSq kurinq Wawqyanq kurawqvAfawi hunqnevi walqfAMilqWabqduF saWIdu, m. niroLu wisqtiWufA dewqvumAweku, 1 sepqTemqbar 5002gawi walqfAMilq WabqdulqHamIdu muHanqmadu cewarmanakaSq sarukArunq Wawqyanqkurewqviweve.
sarukArunq WawqyanqkurawqvAfawi tiwqbevi bawewq DirekqTarunq 03 wokqTObar 5002gawi badalukurawqvAfawivumAweku, 5002 vana waharu nimunu wiru Wawqyanq kurawqvAfawivADirekqTarunqge gotugawi tiwqbevI tirIgawivA 7 menqbarunqneve.
walqfAMilq WabqdulqHamIdu muHanqmadu )cewarmanq(walqfAMilq muHanqmadu Husawinq manikuwalqfAMilq muHanqmadu waHqmadu dIdIwalqfAMilA fAYimatu nuzuhAwalqfAMilq WimAdu BAliHuwalqfAMilq waHqmadu WimAdu muHanqmaduwalqfAMilq muHanqmadu WabqduwqsawqtAru
bODaSq miwawi badalA guLigenq, 91 Disemqbar 5002 gawi wanqnanivi menqbarunqhimenE wA wegqzekeTivq komiTIwewq wekulavawilevuneve.
walqfAMilq muHanqmadu Husawinq maniku- sarukAruge DirekqTar )wIsIge cewarmanq(
walqfAMilq muHanqmadu WabqduwqsawqtAru- sarukAruge DirekqTar
walqfAMilA fAYimatu nuzuhA- sarukAruge DirekqTar
walqwusqtAJu waHqmadu HamqzA- winqtiKAbukoSqfawivA DirekqTar
misq serInq hO wowi kuwenq )jIwemq/sIwIwO(- magAmuge hawisiwqyatunq DirekqTar
bODaSq hamajewqsevi wA DirekqTarunqnaSq bEnqkunq maruHabA danqnavaweve.
DirekqTarunqge bODuge jalqsAtakugawi, DirekqTarunqge bODuge kurIge cewarmanqwalqfAMilq wibqrAhImq zuhawiru dewqvAfawivA waguhuri KiyAlutawq fAhagakoSq, wEnA waSqbEnqkuge farAtunq Cukuru danqnavameve.
wehenqme DirekqTarunqge bODugawi kurinq tiwqbevi hurihA memqbarunq vesq dewqvAfawivAwaguhuri KiyAlutawq fAhagakoSq webEfuLunqnaSq Cukuru danqnavameve.
5002 vana waharu bEwqvunI DirekqTarunqge bODuge 82 jalqsAweve. wegqzekeTivqkomiTIge wewqvesq jalqsAwewq 5002 vana waharuge terEgawi bEwqvifawewq nuveweve.
bEnqkuge DirekqTarunqge bODuge menqbarunqnaSq 1 novemqbar 5002wA hamayaSqmusArawewq nudeweve. bODuge menqqbarunqnaSq devenI hAziruvA konqme jalqsAwakaSqwujUrawekeve. DirekqTarunqge bODunq 02 julawi 4991 gawi kanDawaLuwqvAfawivAwujUrawakI konqme jalqsAwakaSq 005 rufiyA dinumaSeve. wegqzekeTivq komiTIge konqmejalqsAwakaSq denI 004 rufiyAweve.
5002 Disemqbar 91 vana duvahu bEwqvunu DirekqTarunqge bODuge 852 vanajalqsAwinq bODuge menqbarunqnaSq konqme mahaku kanDaweLifawivA welavanqsewq dinumaSqfAsqkurawqvawi, welavanqsakI 000,5 rufiyA kamugawi hamajawqsavAfawiveweve.wadi migotaSq welavanqsewq dewqvanq fawqTavAnI 1 novemqbar 5002nq feSigenqkamaSq vesq ninqmavAfawiveweve. mihAru DirekqTarunqnaSq konqme mahaku miwelavanqsqdeveweve.
woDiTarunq wawqyanqkurunq woDiTarunq wawqyanqkurunq woDiTarunq wawqyanqkurunq woDiTarunq wawqyanqkurunq woDiTarunq wawqyanqkurunqbEnqkuge hinqgA gavAwiduge 87 vana mAwqdAgawivA gotuge matInq 92 jUnq 5002gawi bEwqvi bEnqkuge 22 vana waharI wAnqmu jalqsAgawi fAsqkuLa QarArakunq wemq/wesq pqrawisqvOTarhawusqkUparsq )cArTaDq wekawunqTenqTqsq(, pI.wO.bokqsq42102, 30-20, devana fanqgifilA, wAge, boDutakurufAnumagu, mAle, divehirAwqjebEnqkuge woDiTarewqge gotugawi wanewqkAvesq Wawqyanq kurevuneve.
ninqmAlunq ninqmAlunq ninqmAlunq ninqmAlunq ninqmAlunqmifurusatugawi bEnqkaSq minisqTqrI wofq finEnqsq wenqDq TqreRarI wAwi mOlqDivqsqmaniTarI wotOriTI winq dewqvA tAwIdAwi wewqbArulewqvunq fAhagakoSq DirekqTarunqgebODuge farAtunq Cukuru danqnavameve.
bEnqkuge hiwqsAdArunqnAwi kasqTamarunq bEnqkaSq kurawqvA witubArAwi bahawqTavA gAtqguLunq fAhagakoSq, DirekqTarunqge bODuge farAtunq Cukuru danqnavameve.
bEnqkuge menEjqmanqTAwi muvawqzafunq bEnqkuge lanDudanDitawq hAsilukurumaSq dewqvAsamAlukamAwi wefarAtqtakunq bEnqkaSq hitAwi ruhumunq koSqdewqvA fenqvaru rangaLuKidumatq fAhagakoSq, DirekqTarunqge bODuge farAtunq hurihA muvawqzafunqnaSAwi menEjqmanqTaSqCukuru danqnavameve.
DirekqTarunqge bODubEnqkq wofq mOlqDivqsq plk
7 mE 6002
bEnqkq wofq mOlqDivqsq plk - waharI ripOTq 5002
DirekqTarunqge DirekqTarunqge DirekqTarunqge DirekqTarunqge DirekqTarunqge
ripOTq ripOTq ripOTq ripOTq ripOTq
86
4.walqfAMilq muHanqmadu Husawinq maniku)sarukArunq Wawqyanqkurewqvi(
5.walqfAMilq muHanqmadu waHqmadu dIdI)sarukArunq Wawqyanqkurewqvi(
6.walqfAMilA nAdiyA Hasanq)sarukArunq Wawqyanqkurewqvi(
7.walqfAMilA wAminatu WalI maniku)sarukArunq Wawqyanqkurewqvi(
8.walqfAMilA fAYimatu CIrInq WabqduF)wAnqmu hiwqsAdArunq winqtiKAbu kurewqvi(
9.walqwusqtAJu waHqmadu HamqzA)wAnqmu hiwqsAdArunq winqtiKAbu kurewqvi(
01.walqfAMilq muHanqmadu WabqduwqsawqtAru)wAnqmu hiwqsAdArunq winqtiKAbu kurewqvi(
11.misq serInq hO wowi kuwenq )jIwemq/sIwIwO()magAmuge hawisiwqyatunq DirekqTar(
bEnqkuge hinqgA gavAwiduge 10-14 vana mAwqdAgawi bayAnqkoSqfawivA gotuge matInq,92 jUnq 5002 gawi bEwqvi 22 vana waharI wAnqmu jalqsAwA dimAkoSq, 5002/6002 waSq, sarukArunq wawqyanq kurewqvi 7 DirekqTarunq tirIgawi wevanIweve.
1.walqfAMilq WabqduF saWIdu, m.niroLu)DirekqTarunqge bODuge cewarmanq(
2.Dr. waHqmadu CahIdu3.walqfAMilq WabqduwqrawqzAQu widqrIsq4.walqfAMilq muHanqmadu Husawinq maniku5.walqfAMilq muHanqmadu waHqmadu dIdI6.walqfAMilA wAminatu WalI maniku7.walqfAMilA fAYimatu nuzuhA
bEnqkunq wamalukurA gotAwi wewqgotqvA gotuge matInq, 4002 vana waharu bEwqvibEnqkuge 12 vana waharI wAnqmu jalqsAgawi wAnqmuhiwqsAdArunq DirekqTarunqgebODaSq winqtiKAbu kurawqvAfawivA tirIgawi danqnavAfawivA 3 DirekqTarunq 92 jUnq5002 gawi bEwqvi 22 vana waharI wAnqmu jalqsAgawi wisqtiWufA dewqviweve.wisqtiWufA dewqvAfawivA DirekqTaraku vesq walunq winqtiKAbu kurevi dAneweve.
walqfAMilA fAYumatu CIrInq WabqduFwalqwusqtAJu waHqmadu HamqzAwalqfAMilq muHanqmadu WabqduwqsawqtAru
bEnqkuge hinqgA gavAwiduge 20-14 vana mAwqdAgawi bayAnqkoSqfawivA gotuge matInq,bEnqkunq wamalukurA gotunq, wAnqmu hiwqsAdArunq tirIgawi danqnavAfawivA 3 DirekqTarunqbODaSq winqtiKAbu kurewqviweve.
walqfAMilA fAYimatu CIrInq WabqduFwalqwusqtAJu waHqmadu HamqzAwalqfAMilq wazamq fAriCq
5002 vana waharu feSunuwiru DirekqTarunqge bODuge wegqzekeTivq komiTI )wIsI(wekulevigenqvanI tirIgawi danqnavAfawivA memqbarunqge mawqcaSeve.
walqfAMilq muHanqmadu waHqmadu dIdI- sarukAruge DirekqTar )wIsIge cewarmanq(
walqfAMilA wAminatu WalI maniku- sarukAruge DirekqTar
walqfAMilA nAdiyA Hasanq- sarukAruge DirekqTar
walqfAMilq muHanqmadu WabqduwqsawqtAru- winqtiKAbukoSqfawivA DirekqTar
misq serInq hO wowi kuwenq )jIwemq/sIwIwO(- magAmuge hawisiwqyatunq DirekqTar
22 vana waharI wAnqmu jalqsAwA guLigenq, 71 julawi 5002 gawi tirIgawidanqnavAfawivA menqbarunq himenE wA wegqzekeTivq komiTIwewq wekulavawilevuneve.
walqfAMilq muHanqmadu Husawinq maniku- sarukAruge DirekqTar )wIsIge cewarmanq(
walqfAMilq WabqduwqrawqzAQu widqrIsq- sarukAruge DirekqTar
walqfAMilA wAminatu WalI maniku- sarukAruge DirekqTar
walqwusqtAJu waHqmadu HamqzA- winqtiKAbukoSqfawivA DirekqTar
bEnqkq wofq mOlqDivqsq plk - waharI ripOTq 5002
DirekqTarunqge DirekqTarunqge DirekqTarunqge DirekqTarunqge DirekqTarunqge
ripOTq ripOTq ripOTq ripOTq ripOTq
87
varaSq gina raSqraSuge mIhunqnakI hamawekani masqverikamunq libE wewqcakunq diriwuLunq hamajawqsawigenq tibE bawekeve. midAwirA wakI bEnqkunq medukenDumewq netiwamalIgotunq bawiverivegenq kuriwaSq genqdA dAwirAwekeve. migotunq watoLutakugemasqverinqnaSq bEnunqvA wehI dinumugawi muhiwqmu rOlewq wadAkoSq tarawqQIge bEnqkinqgharakAtuge terewinq bEnqkuge gofitakAwi bEnqkuge dOnitakunq wewehI fOrukoSqdeveweve.bEnqkunq masqverikamuge dAwirA kuriweruvumaSq wamalIgotewqgawi bawiverivumuge furusatuhOdumuge gotunq, masqdOnifaharu banumaSq wehIvedEneweve. wadi mahuge wufewqdunqtawqtawqyArukurumaSAwi pqlAnqTqtawq gAwimqkurumaSq mAlI wehIfOruvumuge wituraSq wetanqtanqhinqgumaSq bEnunqvA rawusqmAluge wehI vesq dEneweve.
wimArAtqkurumuge dAwirA wimArAtqkurumuge dAwirA wimArAtqkurumuge dAwirA wimArAtqkurumuge dAwirA wimArAtqkurumuge dAwirAwaharuterEgawi wimArAtqkurumuge varaSq gina maCqrUWutakewq hinqgEnekamaSq belevifawiveweve.mIge terewinq wewqkamakI huLumAlEgawi 232 wepATqmenqTq hedumeve. miwI waharu feSunutanAhuLuvAlevunu kamekeve. mIge wituraSq, huLumAlE DivelopqmanqTq kOparECanunq, mIhunqdiriwuLumaSq kudi gOtitakewq waharuge fahu koLugawi dUkurAnekamaSq wengifawiveweve.mimaCqrUWutakuge sababunq wimArAtqkurumuge masawqkatq hinqgA konqTqrekqTarunqnaSqbEnunqvA fawisA dinumuge furusatu bEnqkaSq libigenqdAneweve. wehenI diriwuLenqgedoru hedumaSq bEnunqvA fawisA hawusinqg DivelopqmanqTq fawinEnqsq kOparECanunqdUkurawqvAnekamaSq lafAkurevEtIweve.
wimArAtqkurumaSq waharu terEgawi hinqgE wanewq maCqrUWakI, sunAmIgawi halAkuvediyaraSqraSq walunq wArAsqtukoSqdinumaSq gedoru waLawi dinumeve.
bEnqkunq rAwqjEge konqTqrekqTarunqnAwi sarukArAwi wamiwqla farAtqtakunq hinqgAmaCqrUWutakaSq fawisA dinumuge kanqtawq kuriwaSq genqdAneweve. bEnqkunq wamiwqlagedorAwi viyafAriwaSq bEnunqvA tanqtanq mAle wAwi watoLutakugawi hedumaSq bEnunqvAfawisA vesq demunq genqdAneweve.
tafAtu waharewq tafAtu waharewq tafAtu waharewq tafAtu waharewq tafAtu waharewqwanewqkAvesq varaSq tafAtu waharewq ninqmAleviwqjeweve. fAwituvi waharutakugawi,waLuganDumenq balAfawivanI bAzArugawi muhinqmu kuLunqteriwakaSqvegenq, fuLAkoSq feturifawivAgofitakuge viwugawige terewinq bEnqkuge wufewqdunqtakAwi Kidumatqtawq rAwqjEge mAlIdAwirA waSq fOrukoSq dinumaSeve.
waLuganDumenqge bEnqkuge viwugawige hurihAkanewqgawi himenE wenqmehA muvawqzafunqgedegotewqnuvA wazumAwi hitqvarAwi weku wemIhunqge wufewqdunqterikamuge QAbiliwqyatu wenqmefurihamawaSq bEnunqkoSqfawivAkanq mitAngawi fAhagakurameve. waLuganDumenqge midenqnevimuvawqzafunqge gada masawqkatunq tafAtu natIjA wakaSq vAsiluvumaSq magu fahivifahivunq fAhagakoSq, mifurusatugawi hurihA muvawqzafunqnaSq Cukuru wadAkurameve.waLuganDumenqnaSq magu dewqkevi DirekqTarunqge bODuge wenqmehA memqbarunqnaSAwi,minisqTqrI wofq finEnqsq wenqDq TqreRarI waSAwi mOlqDivqsq maniTarI wotOriTI waSqCukuru danqnavameve.
wenqme muhinqmu gotewqgawi waLuganDumenq hituge waDinq Cukuru danqnavanI waLuganDumenqgedegotewqnuvA kasqTamarunqnaSeve. wemIhunqnakI bEnqkA guLigenq wigutisAdI
wufewqdunqterikamaSq bawi waLawidinumAweku Qawumu binAkurumuge bawiverinqneve. hurihAdivehi rawqyitunqge bEnqkakaSq bEnqku vunqvAnI wabaduge wabadaSq bEnqkaSq wotqgonqjehumakaSeve.
masqwUliwqyatuge bayAnq masqwUliwqyatuge bayAnq masqwUliwqyatuge bayAnq masqwUliwqyatuge bayAnq masqwUliwqyatuge bayAnqDirekqTarunqge bODuge menqbarunq mitAngawi mibayAnqkuranI:
1.waharI hisAbu tawqyArukurumugawi hisAbu belehewqTumugawi genqguLE hamatawqwewAbehE tafusIlutakAweku bEnunqkurevifawiveweve.
2.hisAbu belehewqTumugawi genqguLE hamatawq KiyArukoSq, wehamatawq wewqgotewqgawibEnunqkoSq, weki wanqdAsAtawq koSqfawivanI bEnqkuge mAlIHAlatu13 Disemqbar 5002 gawi wotqgotq HaQIQatA wewqgotaSq dawqkawidE wadiwehenqme weduvahu nimunu waharuge fawidA nuvata gewqlunq dawqkuvawidE gotewqgaweve.
3.fawisAwAbehE rekODqtawq rawqkAterikoSq belehewqTumaSq wekaSIgenqvAgotewqgawimasawqkatqkoSq, QAnUnu nanqbaru 69/01 )divehirAwqjEge kunqfunqNAbehE QAnUnu(wAwi mOlqDivqsq maniTarI wotOriTI winq 8991 vana waharu bEnqkutakAwimAlIdAwirAtakuge weseTq rawqkAterikoSqwetanqtanugawi nAjAwizq fawidAnegumAwi wehenqvesq gavAwidA KilAfu kanqtawqtawq huwqTuvumuge gavAwidugawibayAnqkoSqfawivA minqvaraSAwi wadi mOlqDivqsq maniTarI wotOriTIge kepiTalqmAkeTq DivelopqmanqTq sekqCanqge lisqTqgawi bayAnqkurevifawivAkunqfunitakAbehE gavAwidAwewqgotaSq weminqvaraSq bayAnqkoSqfawiveweve. wadi
4.hisAbu tawqyAru koSqfawivanI hinga hingawi huri viyafAriwewq kamaSqbalawigenqneve.
bEnqkuge DiirekqTarunq miripOTAwi miripOTA wekugawivA mAlI bayAnqtakugawi hAmakoSqfawivAkanqtawqtawq fiyavawi wehenq kanqtawqtakewqge Cawugewq netqkanq kaSavarukoSqdeweve.
wehenqme, belenqsq CITqge tArIKuge fahunq mAlI bayAnqtakugawi hAmakoSqfawivAkamakAguLEgotunq badalewq genqnanqjehE fada wewqvesq hAdisAwewq hingAfawi nuvAkamaSqDirekqTarunqge bODuge farAtunq wituraSq kaSavaru koSqdeweve.
sarukArunq Wawqyanqkurewqvi DirekqTarunqnAwi wAnqmu hiwqsAdArunq winqtiKAbu kurewqviDirekqTarunq
5002 vana waharu feSunI, bEnqkuge 11 menqbarunqge DirekqTarunqge bODugawiwanqnanivi menqbarunq tiwqbavawigenqneve.
1.walqfAMilq wibqrAhImq zuhawiru, bODuge cewarmanq)sarukArunq Wawqyanqkurewqvi(
2. Dr. waHqmadu CahIdu)sarukArunq Wawqyanqkurewqvi(
3.walqfAMilq WabqduwqrawqzAQu widqrIsq)sarukArunq Wawqyanqkurewqvi(
bEnqkq wofq mOlqDivqsq plk - waharI ripOTq 5002
DirekqTarunqge DirekqTarunqge DirekqTarunqge DirekqTarunqge DirekqTarunqge
ripOTq ripOTq ripOTq ripOTq ripOTq
88
DirekqTarunqge DirekqTarunqge DirekqTarunqge DirekqTarunqge DirekqTarunqge
ripOTq ripOTq ripOTq ripOTq ripOTq
feDaralq polisIge natIjAwewqge gotunq vEtuvediya 2 waharuge terEgawi yUwesq Dolarge lawibOr rETq vanI 032 winqsawqta wituruvefaweve. wadi 6002 vana waharumigotugawi kuriwaSq dAneweve.
sunAmIwaSqfahu 5002 vana waharu rAwqjEge wigutisAdI kuriwerunq wotI maDujehilAfaweve.wekamaku 6002 vana waharu wigutisAdI dirunq bAraSq kuriwarawigenqdAnekamaSqwunqmIdukureveweve. mikamaSq magufahivegenqdAnI sarukAruge Karadutawq wituruvumAwifaturuverinq wanqna minqvaru wituruvegenqneve. wunqmIdu kurevenI faturuverinq wanqnaminqvaru sunAmIge kurinq wotqvaraSq warawigenqdAnekamaSeve. mIge wituraSq kamAbehEdAwirAtakunq varaSq gina wisqlAhI fiyavaLutawq waLuwqvAfawiveweve. mIge terEgawi fawisAwAnubehE kanqtawqtakAwi sarukAruge viyafAri kunqfunitawq wisqlAhu kurewqvumAwi mAlIdAwirA wisqlAhukoSq, viyafArIge dAwirAgawi harakAtqterivA wamiwqlafarAtqtakugewinqvesqTqmanqTqtakaSq fahi viyafAri mAHawulewq gAwimukoSqdinumAweku viyafArIge tafAtudAwirAtawq kuriweruvumaSq wehIterivunq himeneweve. wehenqkamunq wamiwqla viyafAritakugekurimagu fenqnanI varaSq vAdaverikoSq fawidA wituruvAgotaSq wotqtaneve. bEnqkunq balAnIviyafArIge dAwirA fuLAvamunqdA diwunq balawiganevEne magAmewqgawi wotumaSeve.
faturuverikamuge dAwirA faturuverikamuge dAwirA faturuverikamuge dAwirA faturuverikamuge dAwirA faturuverikamuge dAwirA4002 vana waharuge sunAmI CokAwekuvesq, jIDIpI waSq wenqme matI hiwqsAwewqwaLawidE dAwirA wakI faturuverikameve. faturuverinq rAwqjewaSq wanqnavaruvesq, 5002nimemunq wawiwiru wituruvAnq faSawifiweve. wadi sunAmIge kurIgawi wotqvarA hamawaSq6002 gawi warawidAne kamaSq wuwqmIdu kureveweve. pesifikq wECiyA TqrevalqwesOsiwECanq )pATA( winq lafA kurAgotugawi wECiyA pesifikq ge faturuverikanqkuriyaSq wotq tinq waharewqge terEgawi wituruvAneweve. migotunq rAwqjewaSq wanqna faturuverinqgenisqbatq 6002 wadi 7002 gawi 8.6 winqsawqtawigawi hunqnAnekamaSqvesqwefarAtunq lafAkureweve.
wenqme boDu BinAWatuge gotunq faturuverikamuge dAwirA waSq balAwiru, bEnqkunqe 5002gawi dUkuri lOnuge 84 winqsawqta hiwqsA kuranI midAwirA winqneve. miwI kuriyAwaLAbalAwiru 4 winqsawqta daSq minqvarekeve. sababakI bEnqkuge viyafAri wehenqgotqgotaSq badalukurumaSq kurevunu masawqkatuge natIjA wewqge gotunqneve. wehenqnamavesq,6002 winq 0102 waSq bEnqkunq midAwirA waSq dE lOnu fawisAge jumqla nisqbatqwituruvegenq dAnekamaSq beleveweve. wewI kuriyaSqwotq 2 waharAwi 5 waharA demedugawi,faturuverikamuge dAwirAwinq walaSq tarawqQIkurevE 53 raSaSq bEnqkunq fawisA dEnekamaSqbalawigenqneve. mIge wituraSq, sarahawqdI wewarpOTqtakA gAtq hisAbugawi bajeTqhoTA takewq weLumaSq huLuvAlumaSq sarukArunq rAwqvavawifawiveweve. mIge sababunqmisarahawqdutakugawi vazIfAge furusatutawq wituruve, misarahawqdutakuge wigutisAdIfenqvaru raganLuvegenqdAneweve. natIjAwakaSq vegenqdAnI misarahawqdu takugawi wufedEvazIfAtakAwi wehenihenq viyafArIge harakAtqtakA weku bEnqkinqg ge harakAtqtawq wituruvumeve.
TUrizamq mAsqTar pqlEnqgawi bayAnqkoSqfawivA minqvaraSq wendu witurukurevifawinuvumAweku,miwA tarawqQItakuge sababunq konqmehenq faturuverikamuge dAwirAgawi wendu bEnunqnukurevihuredAnekamaSq nubeleveweve. mIgewituraSq, rAwqjewakI faturuverinqge manqzilewqge gotugawi
wiCqtihArukurumaSq 52 febqruwarI 6002 gawi hinqgi duniyEge fInumuge rekODqharakAtqfada harakAtqtakuge saababunq faturuverinq wawunq wituruvegenq dAneweve.
daturufaturuge dAwirA daturufaturuge dAwirA daturufaturuge dAwirA daturufaturuge dAwirA daturufaturuge dAwirArAwqjEge jOgqrafI wonqna gotunq, hurihA viyafAriwakaSq wotq wenqme boDu dawqcakIfasEhakoSq watqfOrA wagewqgawi daturufaturu kurevenq netumeve. miwI faturuverikamugesinAWataSqvesq kurimativefawivA dawqcewqmeweve.
wawqDu watoLu gamuge wewarpOTq bawinalqwaQqvAmI wewarpOTakaSq tarawqQIkurumunq, wawqDuwatoLuge wA rizOTu takaSqdA faturuverinq wewarpOTugawi hEdakuranqjehE vagutu varaSqboDutanq kuDakurevEneweve. wadi Tuwar woparETarunqnaSq faturuverinq bawinalqwaQuvAmIcArTaru fqlawiTq takugawi sIdA saraHawqdI wewarpOTaSq dA gotaSq hamajewqsidAneweve.mIge wituraSq, TqrAnqsq mOlqDivqsq wewarvEsq wAwi wewarTekqsIge kanDaSqjawqsAjumqla 92 bOTugawi rizOTutakaSq faturuverinq genqgosq genesq hadaweve.
masqverikamuge dAwirA masqverikamuge dAwirA masqverikamuge dAwirA masqverikamuge dAwirA masqverikamuge dAwirAmasqverikamuge dAwirA sunAmIwaSq fahu, 5002 vana waharuge fahu bawinq feSigenq,wewqminewqgawi kuriyaSq jehifawiveweve. wewI rAwqjewinq bEraSq divehimahuge wufewqdunqtawqbEnunqvA minqvaru wituruvumAwi, mahuge bAvatqtawq walaSq tawqyArukuranq feSumunqneve.5002 vana waharu nimunu wiru masqverikamuge sinAwatu vanI muLinq rangaLuvefaweve. waharu nimunu wiru wufewqdunq takuge jumqla 000,291 TanaSq warAfawiveweve.wewI 4002 vana waharAwi waLawibalAwiru 12 winqsawqtawige wituruvumekeve. mIgewenqme muhinqmu sababakI dekunuge watoLutakaSq bEnE mahuge minqvaru wituruvumeve.6002 vana waharaSq lafAkurAwiru midAwirAge kuriwerunq wituru 8 winqsawqta waSqdAnekamaSq beleveweve. wadi 0102 vana waharAwi hamawaSq migotugawi wituruvAnekamaSqQawumI tarawqQIge 7 vana pqlEnqgawi veweve.
misinAWatu bawqTanqvefawivanI duniyEge mahuge bAvatqtawq wufewqdumugawi varaSq wAdayAKilAfugotakaSeve. doSinqnAwi vadu bEnunq koSqgenq kurevE mimasqverikamuge wufewqdunqtawqkamugawivA daLugawi banqdukoSqfawivA kaLubilamasq wingirEsivilAtuge fihAratakugeharuganDutakugawi bahawqTAfawivanI ”timAvewqTA rawqTehi“ wadi ”kOmahA rawqTehi“mifada lEbalewq jahAfaweve. masqverikamakI devanawaSq wenqme boDu dAwirA weeve. wadiwekqsqpOTaSq wenqme matI minqvarewqlibE dAwirA meweve. jIDIpIgawi masqverikamugehiwqsAwakI 8 winqsawqtaweve. rAwqjEge wekqsqpOTugawi mahuge hiwqsAwakI 89winqsawqtaweve. mahuge wekqsqpOTqtawq wekibayaSq bahAlAnama, finikurimasq wuLenIbarudanuge 66 winqsawqtawigaweve. wewI mahuge bAvatqtakaSq libunu fawisAge 53winqsawqta weve. denq wuLenI hiki lonumaheve. wewAjehigenq tAzAkamAweku wawisq weLimaheve. denq daLugawi banqdukuri maheve.
QawumI tarawqQIge 7 vana maCqrUWuge muwqdatukamugawivA 6002 nq 0102 SqhingA muwqdatuge terEgawi masqverikamuge mAsqTar pqlEnewq wekulavawilevEneweve.midenqnevi mAsqTar pqlEnqgawi kurimagugawi misinAWatu kuriwaSq genqdiyuumaSqwamalukurevEne gotqtakAwi siyAsatutawq himenifawivAneweve.
bEnqkq wofq mOlqDivqsq plk - waharI ripOTq 5002
89
DirekqTarunqge DirekqTarunqge DirekqTarunqge DirekqTarunqge DirekqTarunqge
ripOTq ripOTq ripOTq ripOTq ripOTq
fenqvaru huri gAbilu mIhunq maduvefawivA maduvunq fUbewqdumaSq, bEnqkunq konqme waharakude sqkolarCipq furusatukamaSq bEnunq gAbilu kenqDiDETunqnaSq dinumaSq rEvifawiveweve.miwAweku, sqkoTqlEnqDqge cArTaDq winqsqTiTiwuTq wofq bEnqkarsq )sI wawi wObI wesq( ge pqrofeCanalq wimqtiHAnu muLi bEnqkaSq huLuvawilevEneweve.
mihAru bEnqkuge wehIgawi kiyavA mIhunqnAwi sqkolarCipqtakAwi sI wawi wO bIwesq ge bawiverinqnAwi kiyevumaSq cuwqTIdIfawivA muvawqzafunqge wadadutawq hurigotqwevanIweve.
mihAru kiyavamunqdA mihAru kiyavamunqdA mihAru kiyavamunqdA mihAru kiyavamunqdA mihAru kiyavamunqdAdIfawi/ dIfawi/ dIfawi/ dIfawi/ dIfawi/muvawqzafunqge wadadu muvawqzafunqge wadadu muvawqzafunqge wadadu muvawqzafunqge wadadu muvawqzafunqge wadaduhuSahaLAfawi huSahaLAfawi huSahaLAfawi huSahaLAfawi huSahaLAfawi
sqkolarCipq/wehIvedE01waharaku 2 sI wawi wO bI wesq21konqme
becakaSq 02 musArawAweku kiyevumaSq cuwqTI devE40waharaku 5
)lafA( musAraneti kiyevumaSq cuwqTI devE20waharaku 01
)lafA(
muvawqzafunqge medugawi guLunq wufawqdawi badahi TImutakewq wufewqdumaSq muvawqzafunqgetafAtu bawqdaluvunqtawq bEwqveweve. watoLutakuge menEjarunqge bawqdaluvumaSqfahu, fEdUfinoLaSqdaturu diyunq vanI sagAfatakaSq vefaweve. bEnqku muvawqzafunqge hitqvarAwi hurihAmuvawqzafunq guLigenq hOdi kAmiyAbI fAhaga kurumaSq konqme waharewq nimumunq rEganDugekewumewq ”yuniTI Dinar“ ge namugawi tawArafukoSq bEwqvemunq deweve.
5002 vana waharu nimunuwiru muvawqzafunqnAbehE varaSq gina woniganDutakewqgemasawqkatq vanI nimi wamalukuranq faSawiganevE hisAbugaweve. midAwirAwinq kuriyaSqwotq waharuge wamAzakaSq balAfawivanI, muvawqzafunqnAbehE hurihA kamewq hiwumanqrisOsasq sofqTqvewar wewq bEnunqkoSqgenq, komqpiwuTarunq kurumAwi muvawqzafunqnAbehEkanqtawqtawq hinqgumuge siyAsatAwi wusUlutawq himenE watqmatI fotewq wekulavAlumeve.mifotugawi kurimagugawi bEnqku hinqgAne wAjIlewq wufewqqdumaSq magufahivevEne gotaSqwamAzutawq hunqnAneweve.
wijqtimAWI Kidumatqtawq wijqtimAWI Kidumatqtawq wijqtimAWI Kidumatqtawq wijqtimAWI Kidumatqtawq wijqtimAWI Kidumatqtawq
waLuganDumenqge mawiganDu viyafAriwakI demehewqTenivi gotewqgawi hamahama wusUlakunqbEnqkinqg ge Kidumatq fOrukoSqdinumeve. mikamugawi bEnqkaSq wotq gonqjehumakI hamawekanirangaLu mAlI natIjAwewq neredinumewq nUneve. wekamaku belenqsq CITqge bErunqnatIjA nerumeve. mujutamaWuge tafAtu bawitakaSq demehewqTumAweku, wewqvarakaSq fawidAbehumeve. mujutamaWugawi deragotqtawq dimAve, wenqme boDaSq wavahaSq bEnunqvA farAtqtakaSqwenqme ginawinq wehI devEfada gotakaSeve.
migotunq 1002 vana waharunq feSigenq hingamunqdA wewq maCqrUWakI telesImiyAwaSq wehIvumuge fanqDeve. waharu nimunu wiru mifanqDugawi huri fawisAge wadadakI4.0 miliwanq rufiyA weve. telesImiyA waSq wehIvumuge fanqDaSq winqTaresqTqgegotugawi waharaku 5.5 winqsawqta bEnqkunq deweve. telesImiyA waSq wehIvumugefanqDaSq fawisAge wehI dewqvanq bEnunqfuLuvA konqme farAtakunq we wehIwewq bEnqkugekonqme gotqpakaSq nuvata bEnqkudOnqNaSq dewqkeviyasq wekanq hamajehEneweve. wadiwefada muWAmalAtakaSq bEnqkunq wewqvesq wagewq nunagAneweve. bEnqkunq wunqmIdukurAgotugawi telesImiwA waSq wehIvumuge fanqDq wekaSIgenqvA varakaSq boDuve, fanqDqgerawusqmAluge winqTaresqTaSq libE fawisA hEdakoSqgenq telesImiwA kudinqge furAnasalAmatq kurumaSq bOnq merO badalukurevEne duvasq wanqnAneweve. bEnqkaSq mifadamuhiwqmu jamAWI masawqkatewq feSunukamaSqTakawi faKuruverivamuweve. waLuganDumenqgewuwqmIdakI jamAWatuge taruHIbAweku miKidumatakI demigenqdA fuLA KidumatakaSqve, telesImiwAkudinqnaSq hitqvarakaSq vumeeve.
waharuge terEgawi bEnqkunq, 62 Disemqbar 4002 ge sunAmI kArisAgawigewqlunqvi raSqraSAwi mIhunqnaSq, wehIterivumugawi bawiverivefawi veweve.
*DizAsqTar rilIfq fanqDq: sunAmIgawi geewqlunqvi mIhunqnaSq wehIvAfanqDaSq fawisA wewqkurumaSq bEnqku 42 gaDiwiru huuLuvAfawi behewqTuneve.
*wawi.welq.wAru.DI.pI fanqDq: wawilenqDq lawivqlihuDq rivawiTalawizECanqDivelopqmanqTq pqrogqrAmq fanqDq hinqgawi balahawqTanI bEnqkunqneve. miwIwanburA fawisA jamAkurevE ”rivOlqvinqg“ fanqDekeve. mifanqDunqsunAmIgawi gewqlunq libunu mIhunqge wigutisAdI harakAtqtakaSq lOnudUkureweve.
*lOnu sqkImqtawq:- masqverikanq tarawqQIkurumuge pqrogqrAmq- danDuverikanq tarawqQIkurumuge pqrogqrAmq- divehi viyafAri verinqge QawumI jamqWiwqyA wAwi maTI winq viyafAriverinqnaSq lOnu dinunq. miwaSq fanqDu kuranI divehiviyafAri verinqge QawumI jamqWiwqyA wAwi maTI wAwi bEnqkunq wewqvarakaSq fawisA jamAkoSqgenqneve.
kurimagu kurimagu kurimagu kurimagu kurimagu
wAnqmu wigutiisAdI masqrahu wAnqmu wigutiisAdI masqrahu wAnqmu wigutiisAdI masqrahu wAnqmu wigutiisAdI masqrahu wAnqmu wigutiisAdI masqrahuduniyEge wigutisAdu danI rangaLuvamunqneve. wuturu wemerikA wAwi wECiyAge boDubawivarugadaweve. japAnAwi yUrapq vanI rangaLaSq hamajehi gAwimu vefaweve. mIge sababunqmitanqtanaSq wekqsqpOTq wituruve, mitanqtanunq wanqna faturuverinq wituruvAnekamaSqwunqmIdukureveweve. wekamaku teluge wagu boDuvumAwi bAzArugawi taketIge wagutawq wufulumunqmikamaSq konqmevesq varewqge wasarewq kurAnekamaSq wunqmIdukureveweve. 6002 vanawaharu winqfqlECanq wAwi kuru muwqdatuge winqTaresqTq rETq mihAru wotq wowivarAwekuwituruvAneweve. wewI feDaralq rizAvunq tinqmahunq wewqmahu yUwesq Dolar ge winqTaresqTqrETaSq genqna badalAwekugaweve.
bEnqkq wofq mOlqDivqsq plk - waharI ripOTq 5002
90
DirekqTarunqge DirekqTarunqge DirekqTarunqge DirekqTarunqge DirekqTarunqge
ripOTq ripOTq ripOTq ripOTq ripOTq
fenqvaru hurimIhunq bEnqkaSq hOdawi wadi matIfenqvarugawi wekanq hifehewqTumaSqTakawi,mIhunq KiyArukurumuge kanqtawq vanI harudanA kurevifaweve. tamqrInukoSq mIhunqbinAkurumugedAwirA fuLAkoSq, gina hunarutawq wengE gAbilu mIhunqge pUlewq gAwimukurumaSq tafAturongu rongunq tamqrInu pqrogqrAmqtawq rAvawi tanugawi hinqgumuge wituraSq rAwqjewAwi
bEnqkq wofq mOlqDivqsq plk - waharI ripOTq 5002
bEruge pqrogqrAmq takugawi vesq muvawqzafunq bawiveri kureveweve. waharuterEgawi 63muvawqzafunq rAwqjewinq bEruge tamqrInu pqrogqrAmqtakaSq fonuvuneve. wadi 803 muvawqzafunqbEnqkugayAwi rAwqjEgawi hinqgi tamqrInutakugawi bawiverikurevuneve.
5002 vana waharu rAwqjewinq bErugawi devunu bawewq tamqrInutawq:
nanqbaru nanqbaru nanqbaru nanqbaru nanqbaru kOhuge nanq kOhuge nanq kOhuge nanq kOhuge nanq kOhuge nanqQawumu Qawumu Qawumu Qawumu QawumutamqrInu dinqfarAtq tamqrInu dinqfarAtq tamqrInu dinqfarAtq tamqrInu dinqfarAtq tamqrInu dinqfarAtq
1wemekqsq jI.wenq.wesq risqkqmenEjqmanqTq TqrEninqgkuwAlalamqpUru, melECiyAwemerikanq wekqsqpqresq gqlObalq neTqvarkqsarvisasq
2vIsA sawutu wECiyA konqfarenqsqgOwA, winqDiyAvIsA3konqfarenqsq wonq gqlObalq bEnqkinqg peraDawimq CifqTqbomqbE, winqDiyAfeDerECanq wofq winqDiyanqcemqbarsq wofq
komArsq wenqDq winqDasqTqrI)wefq.wawi.sI.sI.wawi(
4winqTarnECanalq pEmanqTqsq wenqDq TqrEDq fawinEnqsqbenqkokq, tawilEnqDqDowiCq bEnqkqseminar
5mawikqrOfawinEnqsq winqsawutq wECiyA TqDE wenqDqdiwqlI, winqDiyAvOlqDq bEnqkq wenqDq TqmOrO-konqfarenqsqsI.jI.wE.pI
rAwqjewAwi bEnqkugawi, 5002 vana waharu, hinqgi bawewq tamqrInutawq:
nanqbaru nanqbaru nanqbaru nanqbaru nanqbaru kOhuge nanq kOhuge nanq kOhuge nanq kOhuge nanq kOhuge nanqtamqrInu dinqfarAtq tamqrInu dinqfarAtq tamqrInu dinqfarAtq tamqrInu dinqfarAtq tamqrInu dinqfarAtq
1kOparETq gavarnanqsq seminarfOkasq weDiyukECanq senqTar2kqreDiTq wepqrewisalq wenqDq moniTarinqg )wI.wawi.bI Tqrewininqg pqrogqrAmq(sI.jI.wefq konqsalqTinqg gqrUpq
91
DirekqTarunqge DirekqTarunqge DirekqTarunqge DirekqTarunqge DirekqTarunqge
ripOTq ripOTq ripOTq ripOTq ripOTq
fawidA behunq fawidA behunq fawidA behunq fawidA behunq fawidA behunqbEnqkunq fawidA behumugawi wabaduvesq genqguLE siyAsatakI hiwqsAdArunqnaSqwekaSIgenqvA rangaLu fawidAwewq behumaSqfahu, fawidAwinq wekaSIgenqvA minqvarewq fanqDuwiturukurumaSAwi rawusqmAlu hunqnanqjehE varu hamakurumaSqTakawi behewqTumeve. fawidAbehumugawi mi wamalIgotq bEnunqkurumuge natIjAwewqge gotunq, hiwqsAdArunqge fanqDurangaLu minqvarakaSq wituruvefawiveweve.
fAwituvi waharu bEnqkuge wufewqdunqterikamaSq balawi, wagu wadAkoSqfawivA 003 rufiyAgekonqme hiwqsAwakaSq 5002 vana waharu fawidA ge gotugawi 001 rufiyA behumaSqDirekqTarunqge bODunq lafAdewqvAfawiveweve. miwI 4002 vana waharu hiwqsAwakaSqbehi 59 rufiyA waSqvure 5 rufiyA wituru wadadekeve. behumaSq huSahaLAfawivA fawidAwaSq 000,271,21 rufiyA negumaSqfahu, fawidA winq bAkI wotq 904,862,28rufiyA badalukurevEnI wAnqmu rizAvqge terewaSeve. miwI fawidAge terewinq bahawqTawigenq,hiwqsAdArunqge fawisA rawqkAterikoSq witurukoSqdinumuge siyAsatA wewqgotaSq kuramunqwanqnakamekeve.
mOlqDivqsq maniTarI wotOriTIge kepiTalq mAkeTq DivelopqmanqTq sekqCanqgawirasqmIgotunq lisqTqkurevifawivA kunqfunqNewqge gotugawi benqku vItA wadivI waharekeve.wekamaku, mOlqDivqsq maniTarI wotOriTI winq sqTokq wekqsqcEnqjq wufewqdIwqsure,bEnqkuge hiwqsAtawq danI viwqkamunqneve.
5002 vana waharu, hiwqsAge bAzArugawi bEnqkuge hiwqsA vikifawivanI 579rufiyA wAwi 008,1 rufiyAwA demeduge wagewqgaweve. bAzArugawi wevareju wagu hurI714,1 rufiyA gaweve. waharu terEgawi vikifawivanI 216 hiwqsAweve. 5002Disemqbarugawi wenqme fahunq bEnqkuge hiwqsAwewq vikifawivanI 055,1 rufiyAwaSeve.
fudEminqvarewqgawi rawusqmAlu behewqTunq fudEminqvarewqgawi rawusqmAlu behewqTunq fudEminqvarewqgawi rawusqmAlu behewqTunq fudEminqvarewqgawi rawusqmAlu behewqTunq fudEminqvarewqgawi rawusqmAlu behewqTunqfudEminqvarewqgawi rawusqmAlu hurunq ramqzukoSqdenI bEnqkuge mAlI harudanAkameve.hurihAkamewq rangaLaSq hurumeve. risqkq vewiTeDq weseTaSq balAwiru wEge sababunqbEnqkuge viyafAri fuLAkurevEne minqvaru kanDaweLeweve.
wehenihenq viyafAri hinqgA muvawqsasAtawq fadawinq, bEnqku vesq wabadume viyafArifuLAkurevEne magutakaSq balaweve. migotunq pqroparTI, pqlAnqTq wAwi wikqwipqmenqTqhOdumAwi gofitawq huLuvunq himeneweve. wituraSq bEnqkugawi hunqna DipoziTq bEnunqkoSqgenqlOnu dUkurumAwi wehenq weseTaSq winqvesqTqkureweve. rawusqmAlu vakiminqvarewqgawibehewqTumaSq gavAwidu lAzimukuranI bEnqkaSq nubelehewqTEne minqvarakaSq viyafAri fuLAviyanudinumaSeve. bEnqkuge weseTqtakuge fenqvaru raganLu kurumaSeve. bEnqkuge kuriwerunqvaki minqvarewqgawi hifahawqTawi weseTaSq libE fawidA witurukurumaSeve. wadi mikanqkamugesababunq bEnqkA behE hurihA farAtqtakewqge fikuru boDunuve farujewqsEneweve.fudEminqvarewqgawi rawusqmAluge nisqbatqtawq huritO faruvAterikamAweku bEnqkunqbalamunq genqdeweve. 13 Disemqbar 5002 gawi bEnqkuge rawusqmAlufudEminqvarewqgawi huritO belumaSq kurevunu hisAbu miripOTqge safuhA 57 gawivAneweve.
bEnqkuge rawusqmAlu vanI basqlE 1 winq lAzimukurA minqvarugawi furihamawaSqhamajehifaweve. miwI lOnu dinumuge sababunq kurimativA risqkq nuvata gewqlunqvazanqkurevE minqganDeve. hinqgumunq libE gewqlunq vazanqkurevenI basqlE 2 gedaSunq rawusqmAluge woniganDaSq balawigenqneve. bEnqkuge menEjqmanqTunq hurihAgotakunqrawusqmAluge fudEminqvaru balamunqdanI mOlqDivqsq maniTarI wotOriTI )wemqwemqwE(dEtere dEterewinq tawArafu kurawqvA gavAwidutakaSq belumA wekuwekI gaweve.
winqsAnI muwqsandikanq hinqgawi mIhunq binAkurunq winqsAnI muwqsandikanq hinqgawi mIhunq binAkurunq winqsAnI muwqsandikanq hinqgawi mIhunq binAkurunq winqsAnI muwqsandikanq hinqgawi mIhunq binAkurunq winqsAnI muwqsandikanq hinqgawi mIhunq binAkurunq
bEnqkq wofq mOlqDivqsq winq gabUlukurA gotugawi bEnqku fuLAvumAwi kuriwerunq guLifawivanIbEnqkuge viyafAri magusadutawq hAsilukurumaSq gadawaLawi masawqkatqkurAne,CawuQuverikanq huri matI fenqvaruge mIhunq hOdumuge gAbilu kanq bEnqkaSq libigenqneve.
midEterewinq bEnqku tarawqQIve hinqgumaSq wawi kuriwerunqtakAwiweku 4002 gawimuvawqzafunqge wadadu 633 nq 814 )812 wanqhenq 002 firihenq( waSq 5002ge niyalaSq vanI wituruvefaweve. muvawqzafunq tamqrInukurumaSq 4002 gawi Karadukurevunu3.1 miliwanq rufiyA winq 2.2 miliwanq rufiyA waSq 5002 ge niyalaSq warAfawiveweve.miwI 16 winqsawqtawige wituruvumekeve.
winqsAnII muwqsandikanq tarawqgIkoSq kuriweruvumaSq walunq samAlukanq dinumugeterewinq, muLi midAwirAge woniganDaSq badalugenawumuge kanqtawq vanI feSifaweve. wewIkanqtawqtawq kurAgotAwi bawewq wusUlutakaSq badalu genesq kanqtawqtawq kurA fenqvarAwiwefiCanqsI witurukoSq mikamuge fawidA hAsiluvanivi gotewqgaweve.
bEnqkq wofq mOlqDivqsq plk - waharI ripOTq 5002
92
bEnqkA behE hurihAfarAtqtakaSq wewqgotewqgawi fawidA hOdawidinumaSq visqnunqterikamAwekubEnqkq wofq mOlqDivqsq winq balaweve. wigutisAdI fawidA wewqkurumuge minqganDunqbalAwiru 5002 vana waharu bEnqkaSq wufewqdifawivanI 411 miliwanq rufiyA weve.wadi vEtuvediya 5 waharaSq balAwiru 672 miliwanq rufiyA waSqvure mawqcaSq warAfawiveweve.
bEnqkq wofq mOlqDivqsq plk - waharI ripOTq 5002
DirekqTarunqge DirekqTarunqge DirekqTarunqge DirekqTarunqge DirekqTarunqge
ripOTq ripOTq ripOTq ripOTq ripOTq
siyAsatuge DqrAfqTewq wekulavawilunq himeneweve. wadi muvawqzafunqge masawqkatqvazanqkurumAwi cekq wenqDOsq kurumugawi himenE QAnUnAbehE bawi wengunq fada kanqtawqhimenE tamqrInu muvawqzafunqnaSq bEnunqvAkanq komiTInq vanI fAhagakoSqfaweve.
demehewqTunq demehewqTunq demehewqTunq demehewqTunq demehewqTunq
bEnqkuge magusadakI kasqTamarunqnaSAwi muvawqzafunqnaSq, hiwqsAdArunqnaSAwi QawumaSqwenqme matI wagewq hOdawidinumeve. wadi waLuganDumenqge viyafAri rAvAfawivanI mikanqhAsiluvAne gotakaSeve. mibawigawi waLuganDumenq balawilAnI hiwqsAdArunqnaSAwi QawumaSqwaLuganDumenqdE waguge mawqcaSeve. bEnqkuge siyAsatakaSq wenqme matI wagewq dinunqwotumAweku, mikanq kurevemunqdanI wenqmematI winqsAfAwi hAmakanq wonqnAne gotakaSqbalawigenqneve. bEnqkunq balanI konqme wagewqgawi mAlI fawidA wewqkurumakaSq nUneve.wekamaku, winqsAfAwi sulUkI minqganDuge terEgawi bawiverivegenq fawidA hOdumaSeve.bEnqkAbehE hurihA farAtqtakaSq, demehewqTenivi fawidAwewq hOdawidinumakI viyafArIgemuhinqmu lanDudanDiwekeve.
wigutisAdI fawidA wewqkurunq wigutisAdI fawidA wewqkurunq wigutisAdI fawidA wewqkurunq wigutisAdI fawidA wewqkurunq wigutisAdI fawidA wewqkurunqwigutisAdI fawidA wewqkurunq )wikonomikq veliyu weDeDq(, miwI fawidA vazanqkurumugawibalA minqganDekeve. mIgawi balanI hiwqsAdArunqge jumqla fawisA winqvesqTqkurumugewageve.
wigutisAdI fawidA wewqkurunq wigutisAdI fawidA wewqkurunq wigutisAdI fawidA wewqkurunq wigutisAdI fawidA wewqkurunq wigutisAdI fawidA wewqkurunq
winqvesqTqkoSqfawivA hiwqsAdArunqge fawisA winqvesqTqkoSqfawivA hiwqsAdArunqge fawisA winqvesqTqkoSqfawivA hiwqsAdArunqge fawisA winqvesqTqkoSqfawivA hiwqsAdArunqge fawisA winqvesqTqkoSqfawivA hiwqsAdArunqge fawisAhiwqsAdArunqge fanqDuwewqkuranq: lOnuge gewqlumaSq hedi jumqla pqroviRanq
libunu libunu libunu libunu libunulibunu fawidA TekuhaSq kenDumaSqfahuwewqkuranq: lOnuge gewqlumAwi pqroviRanqkanDanq: foheli lOnuge gewqlunq
seTqfikqTq wofq DipoziTqgawi 21 mahaSq hiwqsAdArunqge fawisAbehewqTumuge rETaSq risqkaSq wewqkurevE 2 winqsawqtawewqkurumunq )winqsawqta(hiwqsAdArunqge fawisAge wevarejq waguwigutisAdI fawidA wewqkurunq wigutisAdI fawidA wewqkurunq wigutisAdI fawidA wewqkurunq wigutisAdI fawidA wewqkurunq wigutisAdI fawidA wewqkurunq
2001
234,548
35,787
270,335
56,112
4,340
-
60,452
10.000%
24,681
35,771
2002
247,385
40,127
287,512
23,183
16,276
-
39,459
9.833%
27,427
12,032
2003
272,599
56,403
329,002
25,214
32,881
-
58,095
9.167%
28,258
29,837
2004
338,327
87,704
426,031
76,683
31,301
-
107,984
6.333%
23,908
84,076
2005
421,204
137,011
558,215
94,440
49,307
(86)
143,661
6.000%
29,527
114,134
)rufiyA hAhunq(
93
vesq wEnAge masawqkateve. cIfq fawinEnqCalq wofisar ge wenqme muhinqmumasawqkatakI wenqme rangaLu winqTarnalq konqTqrOlq siyAsatutakewq tanqfIzukurumeve.wehenqme fawisA husqviya nudinumAwi fanqDqtawq balahawqTAne gotqtakewq gAwimukurumeve.wadi finEnqsq DipArTqmanqTAwi winqTarnalq wODiTq DipArTqmanqTqge muvawqzafunqgefenqvarumatikoSq dinumaSq vazIfAge tamqrInu dinumakI vesq cIfq fawinEnqCalq wofisarge masawqkatekeve. tinq wesisqTenqTq jeneralq menEjarunq )wEjIwemq( masqwUluvevaDawiganqnavanqjehE dAwirAtawq vanI kanDaweLifaweve. wewqbEfuLaku viyafAri bEnqkinqgwAwi lOnAbehE dAwirAweve. wanewq bEfuLaku KazAnA wAwi bEruge bEnqkutakAwi viyafAri wAwibEraSq fawisA fonuvawidinumuge muWAmalAtutakuge Kidumatq dinumAwi winqformECanqTekqnOlojI wAwi kADq senqTar ge dAwirAweve. wadi tinqvana bEfuLA tarawqQIge bEnqkinqgwAwi hiwumanq risOsasq wAwi widArI hinqgumeve. mawi wofIhugawi masawqkatqkurawqvA21 DipArTqmanqTq menEjarunqnAwi 81 gofIge menEjarunq ripOTqkurawqvanI kurinqdenqnevi sIniwar menEjqmanqTq TImaSeve.
tinq wesisqTenqTq jeneralq menEjarunqnAwi cIfq kqreDiTq wofisar himenE kqreDiTqkomiTIge jalqsAtawq, cIfq kqreDiTq wofisar ge riyAsatuge daSugawi, gavAwidunqbAwqvawi lOnaSq wedi huSahaLA huSaheLunqtakAbehE gotunq bEnqkuge lOnA behE siyAsatugewalIgawi maCqvarAkureveweve. lOnaSq wedi huSahaLA huSaheLunqtakuge terewinq 000,001rufiyA waSq vure matI huSaheLunqtawq welOnewqge minqvarunq huwqdadewqvumaSq hamajehifawivAfarAtaSq genqdiyumuge kurinq kqreDiTq komiTIgawi maCqvarA kureveweve. wehenqme,wekidAwirAwaSq lOnu devifawi wotqgotAwi wufewqdunqteri nUnq weseTqtakAwi lOnAwi behEweki kanqtawqtawq hamajehifawivAgotq kqreDiTq komiTI winq balaweve.
cIfq wegqzekqTivq wofisarAwi cIfq kqreDiTq wofisarAwi cIfq fawinEnqCalq wofisarAwitinq wesisqTenqTq jeneralq menEjarunqnAwi winqsqpekqCanq DipATqmanqTqge menEjardAwimI memqbarunqge gotugawi tiwqbavA ”weseTq wenqDq lawibiliTIzq komiTI“ )walqkO(gavAwidunq bawqdaluve fawisA netumuge kanqtawqtakAwi fanqDq belehewqTumAwi rawusqmAlAbehEsiyAsatAwi winqTarnalq konqTqrOlqge mawqcaSq balamunq genqdeweve.
menEjqmanqTq TImunq Wawqyanq kurawqvA menEjarunq himenE ”winovECanq komiTI“ wakunqmasawqkatq rangaLu kurumAwi Karadutawq kuDakurumAwi kasqTamarunqnaSq fOrukoSqdevEKidumatq rangaLukurunq fada kanqtawqtakaSq wamalI sifa genawumAmedu maCqvarA kurawqvamunqgenqdavaweve. mikomiTIge huSaweLumakA wewqgotaSq bEnqkugawi cekq DipoziTq meCinewqbahawqTAfawiveweve. wadi kasqTamarunqnaSq devE Kidumatq fuLAkurumuge gotunq bAzArubqrAnqcunq havIru Kidumatq demunq genqdeweve.
menEjqmanqTq TImunq howqvavAfawivA menEjarunq himenE ”TqrEninqg komiTI“ wewq woveweve.mikomiTIge bEnumakI muvawqzafunqnaSq bEnunqvA tamqrInutawq fAhagakurumAwi bEnqkugawibAwqvA tamqrInu pqrogqrAmqtawq rAvawi hinqgumeve. wehenqme wekiweki tamqrInu pqrogqrAmqtakAmedubawiverinq dekEgotq belumAwi hingamunqdA tamqrInu pqrogqrAmqtawq wituraSq tarawqQIkurumAwibEnqkaSq walaSq vanqna muvawqzafunqnaSq hinqgA tamqrInutawq rAvawi hinqgumakI vesqmikomiTIge masawqkatekeve. wadi sqkoTqlEnqDqge cArTaDq winqsqTiTiwuTq wofqbEnqkarsq)sI wawi wO bI wesq( pqrogqrAmqgawi kiyavamunqdA wEge bawiverinqnaSqkiyevumugawi wehIvumakI vesq mikomiTIge kamekeve.
mihAtanaSq komiTIge HarakAtqtakaSq balAwiru sqkoTqlEnqDqge cArTaDq winqsqTiTiwuTqwofq bEnqkarsq pqrogqrAmq feSumAwi kiyevumaSq cuwqTI dinumugawi wamalukurAne
bEnqkq wofq mOlqDivqsq plk - waharI ripOTq 5002
DirekqTarunqge DirekqTarunqge DirekqTarunqge DirekqTarunqge DirekqTarunqge
ripOTq ripOTq ripOTq ripOTq ripOTq
gavAwidA wewqgotaSq kanqtawqtawq hurEtO wAwi manI lOnqDarinq nukurumuge mawqcaSqhamajehifawivA gavAwidA wewqgotaSq kanqtawqtawq hurEtO musqtaQiwqlu wofisaraku balamunqgenqdeweve.
wAmqdanI hOdumaSq hinqgA kudi maCqrUWutakaSq bEnqkunq lOnu dUkuramunqdE
kasqTamarunq ge fasEhawaSqTakawi cekqDipoziTq foSqTewq bEnqkunq vanI bahawqTAfawi
94
vana waharu wetawq satEka wA viyafAriverinq kqreDiTq kADAwi DebiTq kADu gabUlukurumaSqwewqbasqve sowikoSqfawiveweve. mIge wituraSq, bEnqkq wofq mOlqDivqsq winq rAwqjEgehurihA rizOTewqgawihenq ”powinqTq wofq sElq“ )pIwOwesq( TArminalqbahawqTawifawiveweve. 5002 Disemqbarge niyalaSq, rizOTqtakAwi mAlEge viyafAriwAwi KidumatqdE tanqtanAwi bawewq watoLutakugawi jumqla 558 pIwOwesq TArminalqbahawqTAfawiveweve.
kasqTamarunqnaSq devE Kidumatq furihamakurumuge gotunq, bEnqkq wofq mOlqDivqsq kADqsenqTar winq kasqTamarunqnaSq muLinq wA Kidumatewq taWArufq koSqfiweve. wewIwETIwemq bilqpE sarvisq - wETIwemq meduverikoSq bilaSq fawisA dewqkumuge Kidumateve.mifasEha bEnunqkoSqgenq kasqTamarunqnaSq wemIhunqge TelefOnu bilaSq fawisA dewqkumugefurusatu hOdawidinumuge gotunq bEnqkunq vanI dirAgAwi vaYaniwqyA )muvABalAtI KidumatqdEfarAtqtawq( wA weku wewqbasqvumugawi sowikoSqfaweve. wETIwemq bilqpE meduverikoSqkasqTamarunqnaSq wemIhunqnaSq fasEha vagutewqgawi wemIhunqge fawisA winq bilaSqfawisA dewqkumuge fasEha libeweve. kasqTamarunqnaSq wemIhunqge bilq dewqkumaSqkawunqTar kawirI kiyUgawi tibEkaSq nujehEneweve. bEnqkunq kawiri musqtagubalewqgawirAwqjEge wehenihenq muhinqmu KidumatqdE kunqfunitakaSq, miKidumatq fOrukoSqdinumaSq vanIgasqdukoSqfaweve.
wofq mOlqDivqsq kADq senqTar waSq muwqsandikanq libi kqreDiTq kADaSq libEwewqcewq wituruvAneweve.
bEnqkq wofq mOlqDivqsq winq vIsA kADu dUkuranq faSAfawivumAweku, salAmatI witurusifatawq garanqTIkurevifawivA vIsA sqmATq kADq taWArafu kurumaSq rEvifawiveweve.vIsA sqmATq kADq hadAfawivanI weterEgawi cipewq lawigenqneve. mIge sababunqrawqkAterikanq wituruve kADu vagaSq hadanq wundagUvefawi vagu kopI nuhedEneweve.
kurimaguge misqrAbAwi bEnqku hinqgunq kurimaguge misqrAbAwi bEnqku hinqgunq kurimaguge misqrAbAwi bEnqku hinqgunq kurimaguge misqrAbAwi bEnqku hinqgunq kurimaguge misqrAbAwi bEnqku hinqgunq
konqme waharaku, cIfq wegqzekeTivq wofisar )sIwIwO( wisqbEfuLakaSq hunqnavawigenqsInawar menEjqmanqTq TImunq varaSq rangaLaSq tanqgIdI nazarakunq viyafArIge rEvunqbawqlavaweve. wadi bajeTq hadanI kuriwaSq wonqna hataru waharaSq ”rOluvA wusUlu“nqneve. bEnqkugawi harudanAkoSq huri kanqtawqtakaSAwi harudanA kurevidAne kanqtakaSAwifurusaatutakaSAwi libidAne gewqlunqtawq rangaLaSq vazanqkurumaSqfahu, viyafArIge rEvumAwi)kOparETq pqlEnq( bajeTqgawi lanDudanDitakAwi wemagusadutawq hAsilukurAne gotqtakAwimuwqdatutawq himananI bEnqkuge taBawqvurAwi magusadutakaSq balawigenqneve. debasqvevenqnetq fadawinq, bEnqkugawi wamAzaSq masawqkatqkurumuge sagAfatewq wufedifawivanIviyafArIge rEvumAwi bajeTqge sababunqneve. mIge wehIgawi wewqwaharunq wanewq waharaSq,bEnqku danI rekODu minqvarewqgawi wufewqdunqterikanq hAsilukoSq we magAmudamahawqTamunqneve.
cIfq wegqzekqTivq wofisar wakI bawinalqwaQqvAmI tajuribA libifawivA, wECiyApesifikqge sIniwar bEnqkarewqkamugawivA misq serInq hO wowi kuwenq weve. mInAwanqnanivi kanqkamugawi menEjqmanqTq TImaSq magudawqkavaweve.
hinqgumuge wusUlutakAwi gotqtawq hamajewqsumugawi wOganawizECanqge tasawqvurAwi magusadutawq wekaSaweLumugawi bizqnasq pqlEnAwi mAkeTq kurAne gotqtawq wekaSaweLumugawi mIhunq binAkoSq tamqrInu kurumuge pqlEnq tawqyArukurumugawi kqreDiTAwi fawisA husqvumAwi fanqDqtawq belehewqTumAwi winqTArnalq
konqTqrOlAwi rawusqmAluge siyAsatA guLEgotunq, risqkq belehewqTumugewoniganDewq tawqyArukurumugawi
sIniwar menEjqmanqTq TImq varugada kurumuge gotunq, bawinalqwaQuvAmI bEnqkinqg getajuribA libifawivA de bidEsInq bEnqkA guLiwqjeweve. wemIhunq bEnqkA guLunI 6002vana waharu feSumAweku, wekaku cIfq kqreDiTq wofisar )sIsIwO( ge magAmaSq,wanekaku cIfq fawinEnqCalq wofisar )sIwefqwO( ge magAmaSeve.
cIfq kqreDiTq wofisar ge masqwUliwqyatakI risqkq belehewqTumuge wenqme rangaLusiyAsatewq tanqfIzukurumeve. wadi fawisA dUkurevEne gotqtakAwi kqreDiTq kanqtawqhinqgawi belehewqTumAwi kqreDiTq DipArTqmanqTq rangaLukoSq varugada kurumAwi bEnqkqhinqgumugawi wenqme fawidAvAne gotewqge matinq kqreDiTqge kanqtawq behewqTumaSq magudewqkumakI
bEnqkq wofq mOlqDivqsq plk - waharI ripOTq 5002
DirekqTarunqge DirekqTarunqge DirekqTarunqge DirekqTarunqge DirekqTarunqge
ripOTq ripOTq ripOTq ripOTq ripOTq
bEnqkq wofq mOlqDivqsq kADq senqTar winq masawqkatqkuramunq genqdanI winqTarneTqbEnqkinqg pqleTqfOmewq tawqyArukoSq, kADu genqguLE farAtqtakaSAwi wekawunqTq genqguLEfarAtqtakaSq bEnunqvA bEnqkinqg Kidumatqtawq fasEha kamAweku libi dinumaSeve.duniyEge wetawq mitAngawi winqTarneTq bEnunqkurunq wituruvefawivumAweku, bEnqkugewamAzakI vIhA wavahakaSq winqTarneTq bEnqkinqg feSumeve. kADq senqTarge wuwqmIdakIwinqTarneTq bEnqkinqg waSq varaSq boDu taruHIbewq libumeve. wehenI mIge sababunq,fasEha kamAweku gEgawi tibegenq muWAmalAtutawq kurevEnetIweve.
bEnqkq wofq mOlqDivqsq winq 6002vana waharuge terEgawi maCqhUru mAsqTarkADqdUkurumuge kanqtawq feSumaSq vanI nimifaweve. mAsqTarkADakI duniyEge hurihA tanewqgawiwenqme ginabayaku QabUlukurA kqreDiTq kADeve. bEnqkunq mikADu dUkuranq feSumunq bEnqkq
dirAgu bilaSq bEnqkq wofq mOlqDivqsq wETIwemq takAwi bqrAnqcq takunq fawisA dewqkEne gotqwifqtitAHq kurumuge HafqlA
95
farAtunq wufawqdavAfawivA fiCarIzq DivelopqmanqTq pqrogqrAmqge lOnq sqkImAwiwegqrikalqcaralq DivelopqmanqTq pqrogqrAmqge lOnq sqkImq hinqgawi balahawqTA farAtakaSqweminisqTqrI winq hamajawqsavAfawivanIvesq DivelopqmenqTq bEnqkinqg selq weve.
wilekqTqrOnikq bEnqkinqg wAwi kADq senqTar wilekqTqrOnikq bEnqkinqg wAwi kADq senqTar wilekqTqrOnikq bEnqkinqg wAwi kADq senqTar wilekqTqrOnikq bEnqkinqg wAwi kADq senqTar wilekqTqrOnikq bEnqkinqg wAwi kADq senqTarbEnqkq wofq mOlqDivqsq plk wakI komqpiwuTar bEnunqkoSqgenq bEnqkinqg ge Kidumatqwenqme furatama rAwqjewaSq taWArafqkuri bEnqkuge wituraSq, rAwqjEgawi huri hama wekaniwasqlu tanuge bEnqkeve. bEnqkuge hurihA gofitakewqvanI komqpiwuTar meduverikoSqvagutunq vagutaSq guLifaweve. mIge sababunq kasqTamarunqnaSq fasEhakamAweku,rAwqjEgawi wekasqTamaraku huritanakunq Kidumatq libumuge magu tanavasq vefawiveweve.bEnqkuge farAtunq wiQqtiBAduge hurihA dAwirAwakaSq wilekqTqrOnikq bEnqkinqg wAwiDebiTq kADAwi kqreDiTq kADuge Kidumatq dinumaSqTakawi bEnqkunq vanI wekamaSq bEnunqvAwenqme fahuge TekqnOlojIwaSq winqvesqTqkoSqfaweve. wenqme furatama kqreDiTq kADu)vIsA, mAsqTarkADu wadi wemerikanq wekqsqpqresq( balawiganqnanq faSawi, 4002vana waharu wemerikanq wekqsqpqresq kADu dUkoSq, bEnqkq wofq mOlqDivqsq kADqsenqTar 5002 vana waharu vanI fAhaga kurevE varuge kuriwerumewq hOdAfaweve.
rAwqjEgawi wenqme furatama milqkuveri kADewq taWArafu kurI mAcq 1002 gawi, bEnqkqwofq mOlqDivqsq winq kamaSq viyasq, wEru we waSq wehA boDu kAmiyAbewq libifawewqnuveweve.namavesq mihAru wekADuvefawivanI wenqme ginabayaku muWAmalAtutakuge wagu wadAkurAvaBIlatewq kamugaweve. vIsA DebiTq kADq taWArafu kurumAweku, kAmiyAbu wewqcakaSqvumakIHawirAnqvAnqvI kamewqnUneve. wewI wekADu rAwqjewinq bErugawi vesq bEnunqkurevEtI libEbOnahewqge sababunqneve. bEnqkq wofq mOlqDivqsq ge Kidumatqtakuge terewinq wenqmehaluwikoSq kuriwaramunqdA wekawqcakaSq wekADu vanI vefaweve. 5002 febqruwarI gawivIsA kqreDiTq wadi DebiTq kADu taWArafqkurunq vefawivanI bEnqkuge tArIKugawi HABilqviwenqme fALukanq boDu kanqtawqkamugaweve. mikADu libumuge winqtizArugawi wetakewq hAsqkasqTamarunq tibiwiru, midekADaSqme bEnunqvAnekamaSq lAfAkurivaraSqvure bEnunqvA minqvarumA mawqceve. 5002 vana waharu nimunu wiru WamalI gotunq bEnunqkurevE bEnqkq wofqmOlqDivqsq kECqkADu ge wadadakI 000,56 weve. vIsA DebiTq kADuge wadadu vanI006,3 waSqvure wituruvefaweve. wemerikanq wekqsqpqresq wAwi vIsA kqreDiTq
kADuge kAmiyAbIge natIjAwewqge gotunq mikuru muwqdatuge terEgawi 004,5 waSq vuregina kADu dUkurevifawive weve.
rAwqjEgawi kADu genqguLEmIhunq wituruvumAweku, bEnqkq wofq mOlqDivqsq kADu senqTargewamAzakaSqvefawivanI gina tanqtanunq kADu gabUlukurAgotq hedumeve. wehenqkamunq, 5002
bEnqkq wofq mOlqDivqsq plk - waharI ripOTq 5002
DirekqTarunqge DirekqTarunqge DirekqTarunqge DirekqTarunqge DirekqTarunqge
ripOTq ripOTq ripOTq ripOTq ripOTq
bEnqkq wofq mOlqDivqsq kADu senqTaru ge kOlq senqTarunq 42gaDiwiru Kidumatq dE
bEnqkq wofq mOlqDivqsq winq vIsA kureDiTq wadi DebiTq kADu wifqtitAHq kurumuge HafqlAfawibar wuLandu wufewqdumaSq bEnqkunq wehIvedE
96
viyafArIge mAlI muwAmalAtu viyafArIge mAlI muwAmalAtu viyafArIge mAlI muwAmalAtu viyafArIge mAlI muwAmalAtu viyafArIge mAlI muwAmalAtubEnqkuge bEruge viyafAri kurIwaharA waLawibalAwiru 03.04 winqsawqta wituruve4002 vana waharu wotq 56.6 biliwanq rufiyAwinq 5002 vana waharu 33.9biliwanq rufiyAwaSq warAfawiveweve. miviyafArinq bEnqkuge jumqla wAmqdanI waSq 01winqsawqta hiwqsA koSqdIfawiveweve. miwaharu mawiganDugotewqgawi wimqpOTqkurevifawivanIDisemqbar 4002ge sunAmIgawi halAkuvi tanqtanq hedumaSq bEnunqvA WimArAtqkurumugetakewqceve. bEnqkuge farAtunq viyafArIge magutawq wufawqdawi bawiverivA bEnqkutakugeviwuga fuLAkoSqfawiveweve. wewI fasEhakamAweku viyafArIge fawisA wAwi matIwagugeleTarsq wofq kqreDiTq bEnunqkoSqgenq teyo wimqpOTq kurumaSeve. gina teyo wimqpOTqkurevunIsinqgapUrAwi meduwirumatIge mAkeTunq 662 miliwanq rufiyAge welq/sI waSeve.ginawinq wekqsqpOTq kurevunI sqrIlanqkA, tawilEnqDq, wingirEsivilAtAwi TawivAnaSeve.
DivelopqmenqTq bEnqkinqg selq DivelopqmenqTq bEnqkinqg selq DivelopqmenqTq bEnqkinqg selq DivelopqmenqTq bEnqkinqg selq DivelopqmenqTq bEnqkinqg selqrAwqjEge QawumI bEnqkuge hawisiwqyatunq bEnqkq wofq mOlqDivqsq vanI watoLutawqtarawqQIkurumuge masawqkatugaweve. migotunq tarawqQIge bEnqkinqg HarakAtqtakakI bEnqkuhinqgumuge muhinqmu bawekeve. watoLu takuge wAbAdI waSq KidumatqdE 21 gofi huLuvifawiveweve.mIge wituraSq 5 mObawilq bEnqkinqg yuniTq )dOni( bEnunq koSqgenq muLi rAwqjewaSqbEnqkinqg ge Kidumatq deveweve. waharu nimunu wiru bEnqku gawi tibi 814 muvawqzafunqgeterewinq 63 winqsawqta vazIfA wadAkuramunqdanI tarawqQIge bEnqkinqg dAwirAgaweve.tarawqQIge bEnqkinqg winq jumqla wAmqdanI waSq vadefawivanI 51 winqsawqtaweve. wewI9.15 miliwanq rufiyAweve.
5002 vana waharu walaSq huLuvunI hamawekani wEpqrilq gawi huLumAlEgawi huLuvunugotqpeve. migofi huLuvumunq gofitakuge wadadu 81 waSq weriweve. waharu nimunu wiru
hurihA gofitakunqvesq danI fawidAvamunqneve. waharuge fahu 9 mahugawi huLumAlE gofinq352,316 rufiyA fawidAviweve.
wuturAwi medurAwqjeterewaSq, hw nq l watoLaSq, hinqgE weTolqsq kqreDiTq wenqDqDivelopqmanqTq bEnqkinqg pqrojekqTq )wE.sI.DI.bI.pI( wAwi wenqme dekunuge hataruwatoLaSq, gw, gd, N wadi s watoLaSq, hinqgE sadanq weTolqsq DivelopqmanqTqpqrojekqTq )wesq.wE.DI.pI( bEnqkuge farAtunq hinqgamunq genqdanI tarawqQIge bEnqkinqgharakAtqtakuge terewinqneve. furatama pqrojekqTaSq bEnunqvA fawisA libifawivanIdigumuwqdatewqge terEgawi wadAkurAgotaSq winqTarnECanalq fanqDq for wegqrikalqcaralqDivelopqmanqTq )wifADq( winq fawisA nagawigenqneve. wehenqme devana pqrojekqTaSqbEnunqvA fawisA libifawivanI wifADq wAwi wOpekq fanqDq for winqTarnECanalqDivelopqmanqTq )wOpekq( winqneve.
migofi takuge wituraSq, medurAwqjeterEge tinq watoLukamaSqvA k, ww wadi wd watoLaSqbEnunqvA tarawqQIge bEnqkinqg ge Kidumatq demunqgenqdanI mAlewinq, DivelopqmanqTqbEnqkinq selq winqneve.
DivelopqmenqTq bEnqkinqg selq winq hinqgA maCqrUWutakuge terewinq raSqfuSugewAbAdIwaSq konqmehenq bEnunqvA fawisA libi, wewige wehIgawi wemIhunqnaSq wAmqdanIgerawqkAterikamAwi wufewqdunqteri weseTqge milqkqverikamAwi viyafAri hinqgumuge hunaruverikanqlibifawiveweve. miwinq fawidA libunu farAtqtakuge fahaSq rawqkAkurumuge wAdawAweku,mimaCqrUWutakunq wemIhunqge kibawigawi bEnqkinqg sagAfatuge binqgA waLawidIfawiveweve.mimaCqrUWutakugawi varaSqboDaSq wanqhenunqnaSq wamAzukurevifawi wotumAwiweku, wanqhenunqgemedugawi varaSqboDu hElunqterikamewq wituruve, wemIhunqnaSqvesq wemIhunqge dawurewqvAkanq wenqme kuDaminunq fAhaga vegenq hingawqjeweve.
5002 vana waharuge terEgawi mawiganDu gotewqgawi kuriwaSq genqdevifawivanImaCqrUWugawi kanDawaLAfawivA farAtqtakaSq, wamAzukurevE kudi lOnu dUkurumuge kanqtakeve.
kurI waharekE wewqgotaSq, 6002 vana waharuvesq, DivelopqmenqTq bEnqkinqg selqwinq masawqkatqkurAnI tarawqQIwaSq fawisA dE farAtqtakunq fawisA hOdawigenq watoLutawqwArAsqtukurumaSq wehIvumaSeve.
DivelopqmenqTq bEnqkinqg selq vanI nECanalq DizAsqTar menEjqmanqTq senqTarunqvilaresq kurawqvawigenq sarukArunq hinqgavA wawilenqDq lawivqlihuDq rivawiTalawizECanqwenqDq DivelopqmanqTq pqrogqrAmq )wawi.welq.wAru.DI.pI( ge daSunq hinqgA lOnq sqkImqge kanqtawq balahawqTawi hinqgAfarAtewqge gotugawi minisqTqrI wofq finEnqsq wenqDqTqreRarIge farAtunq hamajawqsavAfaweve. wehenqme, divehi viyafAriverinqge QawumI jamqWiwqyAwAwi mOlqDivqsq wesOsiwECanq wofq TUrizamq winqDasqTqrI guLigenq wufawqdAfawivAlawivqlihuDq rivawiTalawizECanq pqrogqrAmq )welq.wAru.pI( ge lOnq sqkImq hinqgAfarAtewqge gotugawi wedefarAtunq vesq kanDawaLAfawivanI DivelopqmenqTq bEnqkinqgselq weve. minisqTqrI wofq fiCarIzq, wegqrikalqcar wenqDq merinq risOsasqge
bEnqkq wofq mOlqDivqsq plk - waharI ripOTq 5002
DirekqTarunqge DirekqTarunqge DirekqTarunqge DirekqTarunqge DirekqTarunqge
ripOTq ripOTq ripOTq ripOTq ripOTq
97
muwqdataSAwi digumuwqdataSq kurimagugawi kurevE winqvesqTqmanqTqtakaSq bEnqkunqwehIterivedinumaSq CawuQuveriveweve. wewI viyafAri wuBUlunq fawisA dUkoSqgenqnAwitarawqQI waSq fawisA dE wejenqsItakAwi bawiverivegenqneve.
viyafAriwaSq fawisA dinumaSq )viyafAri fawisA/wimqpOrTqsq( balAwiru dUkurevifawivanIlOnugejumqlawige 3.11 winqsawqtaweve. sunAmIge fahunq feSifawivA wArAsqtukurumAwiwalunq binAkurumuge HarakAtqtawq wavasqvumAweku, WimArAtqkurumuge dAwirA waSq dUkurevifawivAlOnuge minqvarakI dUkurevifawivA lOnuge jumqlawige 4.7 winqsawqtaweve. huLumAlEgawiWimArAtqkurumuge pqrojekqTqtawq kuriwaSqdAtI, bEnqkunq dekenI kuriyaSq wotq waharumidAwirAtawq haluwikamAweku kuriwarAnekamaSeve. sunAmIgawi gewqlunqlibunu watoLutakugawiwinqfqrAsqTqrakqcar maCqrUWutawq kamugawi belevE bandaru hedumAwi gedoru binAkurumugemasawqkatAwi wArizOTqtawq hedumuge masawqkatq wadi wotIkuriwaSeve.
taketi wufewqdumAwi danDuverikamuge dAwirAwakI viyafArikurumaSq dUkurevE fawisA wenqmemadunq dUkurevE dAwirAweve. taketi wufewqdumaSq dUkurevifawivA minqvaru 5.2winqsawqtawigawi huri wiru danDuverikaamaSq dUkurevunu minqvaru 1 winqsawqta waSqvurekuDaweve. wabaduvesq bEnqkunq masawqkatq kuramunq genqdanI bEnqkuge weseTqtawqtafAtu bawitakuge terEgawi behewqTumA wekuwekIgawi fawisAge konqsanqTqrECanqkuDakurumaSeve.
rAwqjewaSq winqsAnI wehIterikanq fOrukoSqdinumaSq wawigina wamiwqla jamAWatqtakunqbEnunqvA bEnqkinqg ge Kidumatqtawq libiganqnanI mibEnqkunqneve. fuLAdAwirAwewqgawi
gofIge viwuga gAwimukoSq TekqnolojIge fasEha bEnunqkuramunqdA bEnqkakaSq midenqneviwamiwqla jamAWatqtakunq balamunq diya midanDivaLu, vEtuvediya waharutakugawi bEnqkunqhOdAfawivA rIti namAweku wemIhunqge CawuQu hOdawigenqneve.
rizOTq hoTAtawq walunq tarawqQIkurumaSq, walunq WimArAtqkurumaSq nuvata wAbAtura filuvumaSqbEnunqvA fawisA hOdawidinumugawi bEnqkunq WamalIgotunq bawiveriveweve. migotunq DipoziTqqfawisAwinqnAwi kurumuwqdataSAwi medumuwqdataSq rAwqjewinq bErunqgenqna fawisAbEnunqkureveweve. sunAmIwaSq fahu woLuveli rizOTq walunq tarawqQIkoSq KidumataSqgenawumaSq, 5002 vana waharu bEnqkunq 51 miliwanq yUwesq Dolarge sinqDikECanewqhamajawqsawidineve. mikamugawi rAwqjEgawi hunqna debEnqkakAwi bEru bEnqkewq bawiveriviweve.
bEnqkq wofq mOlqDivqsq plk - waharI ripOTq 5002
DirekqTarunqge DirekqTarunqge DirekqTarunqge DirekqTarunqge DirekqTarunqge
ripOTq ripOTq ripOTq ripOTq ripOTq
woLuveli rizOTq walunq taraawqQI kurumaSq 51 miliwanq yU wesq Dolaruge sinqDikECanewq bEnqkq wofq mOlqDivqsq hamajawqsawidinq
sunAmIgawi halAkuvefawivA mulakatoLu maDifuSi
98
bEnqkufuLAvamunqdA gotaSq balAwiru, bEnqkunq vanI wituru hiwqsA viwqkumaSq rAvAfaweve. huwqdakurevifawivA rawusqmAluge gotugawi 13 Disemqbar 5002ge niyalaSq wotIkurinqvesq wegotaSq wotq wadadukamugawivA 000,000,003 rufiyAweve. wadi wetArIKuge niyalaSq dUkoSq wagu wadAkoSqfawivA rawusqmAluge gotugawi wotI hama kurinqvesq wotq000,615,63 rufiyAweve.
rawusqmAAlu fudEkanq wanqgawidE minqganDu hurI duLaheyokoSq 73.21 winqsawqtawigaweve.miwI mOlqDivqsq maniTarI wotOriTI winq hamajawqsavAfawivA risqkq vewiTeDq minqganDugedaSunq hunqnanq lAzimqkurA wenqmemadu minqvarukamugawivA 8 winqsawqta waSq vureginaminqvarekeve. bEnqkuge mawiganDu rawusqmAlugeminqganDu hurI 9.9 winqsawqta waSqvure matikoSeve. miwI mOlqDivqsq maniTarI wotOriTI winq kanDawaLuwqvAfawivA mawiganDurawusqmAluge minqganDuge daSunq hunqnanq lAzimqkurA madu minqvarukamugawivA 4winqsawqta waSq vure gAtqganDakaSq dEwqbawi guna wituru minqvarekeve.
bEnqkuge rawusqmAlu fudEkanq wanqgawidE minqganDu kamugawivA Tayar 1 nuvatamawiganDu rawusqmAlu wadi jumqla rawusqmAlu)Tayar 1 wadi Tayar 2 wewqkoSq(mihAru duLaheyokoSq dewqkinamavesq daSqvamunqdAkamaSq waLuganDumenqnaSq nOTqkureveweve.wewI mAfawidAvanivi gotewqgawi rawusqmAlu lOnAwi weDqvAnqsqge gotugawi bEnunq kurevemunqdiyumunqneve. mIge natIjAwakI hiwqsAdArunqge fanqDaSq libE nafA wituruvumeve.
kOparETq bEnqkinqg kOparETq bEnqkinqg kOparETq bEnqkinqg kOparETq bEnqkinqg kOparETq bEnqkinqg5002 vana waharu bEnqkunq viyafArIge dAwirAgawi HarakAtqterivAfarAtqtakaSAwi medufanqtIgemArkeTqtakaSq dUkurA fawisAge minqvaru varaSq boDutanq witurukoSqfawivumAweku,mivegenqdiyawI bEnqkaSq wAmqdanI libE wenqme boDu vasIlatqkamugaweve. Disemqbar5002 nimunu wiru, viyafAri dAwirAge bEnqkinqg winq bEnqkuge jumqla wAmqdanIwaSqwaLawidinq bawi vanI 82 winqsawqtawigaweve. bEnqkuge viyafArIge dAwirAge kasqTamarunqgegotugawi himenenI rAwqjEge boDeti viyafAritakeve. mIgawi rizOTq hoTAtakAwi viyafArikunqfunitakAwi muvABalAtI kunqfunitakAwi viyafAriwAwi WimArAtqkurumAwi masqverikamAwibOTufaharu duwqvumAwi muhinqmu KidumatqtawqdE sarukAruge kunqfunitawq himeneweve.
viyafArIge dAwirAgawi HarakAtqterivA mawiganDu kasqTamarunqnaSq fawisA dUkurumugawibEnqkunq genqguLE gotakI wefarAtqtakuge bEnunqtawq fuwqdawidinumuge gotunq muLi pekejqdEwuBUleve. midenqnevi pekejqge terEgawi wilekqTqrOnikq bEnqkinqgwAwi kqreDiTq wadiDebiTq kADuge KidumatAwi, viyafAriwaSq bEnunqvA rawusqmAlAwi fawisA dinumAwi fawisA
bEnqkq wofq mOlqDivqsq plk - waharI ripOTq 5002
DirekqTarunqge DirekqTarunqge DirekqTarunqge DirekqTarunqge DirekqTarunqge
ripOTq ripOTq ripOTq ripOTq ripOTq
bEraSq fonuvawidinumuge KidumatAwi maCqrUWu hinqgumaSq fawisA dUkurunq fada kanqtawqtawqhimeneweve.
mihAru balamunq migenqdA waharuge furatama bayaSq balAwiru, viyafArIge dAwirAgawiHarakAtqterivA kasqTamarunqnaSq sunAmIgawi kurimativi datitawq fUbewqdumugawi bEnqkugewehIterikanq dIfawiveweve. migotunq wefarAtqtakaSq dUkoSqfawivA lOnu wanburA dewqkumugawiluwigotqtakewq)fawisA wanburA nudawqkawi 6-8 mahuge muwqdatewq dinunq( hadawidinumAwiwehenihenq Hawqlutawq hOdawidinunq himeneweve. mikanq gina viyafAriverinq duSI sunAmIgawilibunugewqlunqtawq rangaLukoSq marAmAtukurumuge terEgawi wemIhunqge TUrisqTq rizOTqtawqwAkoSq wAbAtura filuvumaSq libunu furuBatewqge gotugaweve. dimAvi kuwqli huwqTumaSqfahu,fatuverikamuge BinAWatu wavahaSq rangaLuvegenq wawisq 5002 vana waharu nimunuwiruvanI sunAmIge kurinq wotq HAlataSq wenburi wAdevifaweve.
bEnqkunq dUkoSqfawivA weDqvAnqsqtakuge jumqlawaSq balAwiru 84 winqsawqta dUkoSqfawivanIfaturuverikamuge dAwirAwaSeve. wehenihenq harakAtqtakaSq 02 winqsawqtaweve. wehenihenqharakAtqtakuge terEgawi himenenI wilekqTqrisiTI wAwi gEhAwi, fenAwi sAfutAhirukamugeKidumatqtakaSq)33.0 winqsawqta(, daturufaturAwi sqTOrEjq, komiyunikECanqsq)83winqsawqta(, KidumatqtakaSq)71 winqsawqta(, muvawqzafunqnAwi wekaSIgenqvAvaraSqtafqBIlq netq harakAtqtakaSq)54 winqsawqta( weve.
masqverikamakI jIDIpI waSq devanawaSq wenqme ginawinq hiwqsAkurA dAwirAweve. Disemqbar5002 nimunuwiru midAwirAwaSq bEnqkunq dUkoSqfawivA lOnuge minqvaru vanI 003miliwanq rufiyA gaweve. 4002vana waharu miwadadu wotI 122 miliwanq rufiyAgaweve. mihAru bEnqkakI midAwirAwaSq wenqmeginawinq fawisAdUkurAfarAteve. migotunqwenqme boDaSq Kidumatq libiganqna farAtqtakuge terEgawi sarukAruge masqverikamugekunqfunqNAwi masqverikamugee dAwirAgawi wisqkoSq HarakAtqterivA wamiwqlakunqfunitawqhimeneweve. bEnqkuge tarawqQIge bEnqkinqg bawinq masqdOnifaharu banumaSAwimahuge wufewqdunqtawq tawqyArukurumaSq fawisA dUkurewevee. wunqmIdunq furigenqvAmasqverikamuge dAwirA, wituraSq fuLAkoSq demehewqTenivi gotewqgawi kuriweruvumaSq medu
hiwqsAdArunq behifawivAgotq tirIgawi wevanIweve.
5002.21.13 gawi tibi hiwqsAdArunq 5002.21.13 gawi tibi hiwqsAdArunq 5002.21.13 gawi tibi hiwqsAdArunq 5002.21.13 gawi tibi hiwqsAdArunq 5002.21.13 gawi tibi hiwqsAdArunqhiwqsAge wadadu hiwqsAge wadadu hiwqsAge wadadu hiwqsAge wadadu hiwqsAge wadaduwadadu )rufiyA( wadadu )rufiyA( wadadu )rufiyA( wadadu )rufiyA( wadadu )rufiyA(hiwqsAgewinqsawqta hiwqsAgewinqsawqta hiwqsAgewinqsawqta hiwqsAgewinqsawqta hiwqsAgewinqsawqtasarukAru770,26001,326,8115sqTETq TqrEDinqg wOganawizECanq plk )wesqTIwO(680,6008,528,15mOlqDivqsq TqrAnqsqpOTq wenqDq konqTqrekqTinqg komqpenI plk )wemqTIsIsI(680,6008,528,15sarukAru muvawqzafunqge pqroviDenqTq fanqDq559,01005,682,39rawqyitunqge wekawunqTqtawq*680,6008,528,15wAnqmunq034,03000,921,952jumqla027,121000,615,63001*minisqTqrI wofq weTolqsq DivelopqmanqTq meduverikoSq raSqraSAwi watoLu rawqyitunqge wekawunqTqtakaSq ganefawivA hiwqsA
99
pqroviRanq hedifawivEmeweve. rangaLu fenqvarewqgawi huri lOnuge jumqla minqvarakIlOnAwi weDqvAnqsqge muLi jumqlawige 19 winqsawqtaweve.
fawidA bawibayaSq weLumuge kurinq, hiwqsAdArunqge fanqDuge jumqla 124 miliwanqrufiyA waSq wituruvefawiveweve. miwI 4002ge mAlI waharAwi waLawibalAwiru 42winqsawqtawige kuriwerumekeve. 5002 ge mAlI waharu nimunuwiru, 003 rufiyAgemUnumatI wagugawi bEnqkunq dUkoSqfawivA 027,121 wAdawige hiwqsAge konqmehiwqsAwewqge fotuge wagu vanI 164,3 rufiyA waSq wufulifaweve. vEtuvediya dewaharuhiwqsAdArunqge fanqDaSq libunu minqvaru vanI 52 winqsawqtawigaweve.
4002 vana waharu hiwqsAwakaSq jehunu fawidAge gotugawi wotq 99.926 rufiyAwAwi waLawibalAwiru 5002 gawi hiwqsAwakaSq jehunu fawidA wituruve 88.577rufiyA waSq warAfawiveweve.
rawusqmAluge wonigan rawusqmAluge wonigan rawusqmAluge wonigan rawusqmAluge wonigan rawusqmAluge woniganDu Du Du Du Duhuwqdakurevi wagu wadAkurevifawivA hiwqsAge rawusqmAlaSq 5002ge mAlI waharugawibadalewq nAdeweve. miwI 8991 vana waharunq feSigenq mikanq hingamunq wawisqfawivAgoteve. mihAru wagu wadAkoSqfawi huri rawusqmAlAwi rizAvqge minqvarakI mOlqDivqsqmaniTarI wotOriTI winq wenqme madunq hunqnaanq lAzimqkurA minqvaraSq vure wituruminqvarekeve. wehenqme mi minqvarakI ”basqlE kepiTalq wekODq“ ge daSunq bawinalqwaQqvAmIgotunq lAzimqkurA minqvaraSq fetE minqvarewqmeweve. bEnqkunq fawisA dUkurevE minqvarAwi
bEnqkq wofq mOlqDivqsq plk - waharI ripOTq 5002
DirekqTarunqge DirekqTarunqge DirekqTarunqge DirekqTarunqge DirekqTarunqge
ripOTq ripOTq ripOTq ripOTq ripOTq
100 bEnqkq wofq mOlqDivqsq plk - waharI ripOTq 5002
DirekqTarunqge DirekqTarunqge DirekqTarunqge DirekqTarunqge DirekqTarunqge
ripOTq ripOTq ripOTq ripOTq ripOTq
mihenqvumuge sababakI viyafAriwA guLE wAmqdanI 51 winqsawqta waSq wituruvumAwiwadi kADA guLE viyafAri 891 winqsawqta wituruvumunqneve.
hinqgumuge Karadu 23 winqsawqta wituruve 921 miliwanq rufiyA winq 071 miliwanqrufiyA waSq warAfawiveweve. hinqgumuge Karadutawq wituruvegenq gosqfawivanI kADumemqbarCipq fIwAwi kADuge muWAmalAtutakA guLigenqneve. kqreDiTq kADuge Karadugegotugawi 4002 gawi wotq 6 miliwanq rufiyAwinq 42 miliwanq rufiyA waSq 5002gawi warAfawivanI kqreDiTq kADu pqrojekqTq haluwikoSq, wemerikanq wekqsqpqresq wAwivIsA wAwi mAsqTarkADu gabUlukurumAwi rAwqjEgawi furatama faharaSq wemerikanqwekqsqpqresq wAwi vIsA kADu dUkurumuge viyafAri feSumunqneve. miKaradutakA guLigenqlibE komiCanAwi wAmqdanI kurinq wiCArAtqkoSqli fadawinq vadegenqdanI fI wA guLEwAmqdanIge terewaSeve.
rawqkAterikamuge fiyavaLewqge gotunq bEnqkunq lOnuge gewqlumaSq hadA wAnqmu pqroviRanqgeminqvaru 5002 vana waharu nimunu wiru hurihA lOnakAwi weDqvAnqsewqge 1 winqsawqtawaSq witurukuruumunq pqroviRanaSq hingA Karadu vanI 41 miliwanq rufiyA wituruvefaweve.
muLi Qawumu loLuvAli 4002 vana waharuge sunAmIge CokaSq fasqjehumewqneti,bEnqkunq hitqhamajehE kuriwerumewq hOdamunqdAkanq fAhagaveweve. wehenqme bEnqkunqkasqqTamarunqnaSq viyafArIge tafAtu dAwirAtakunq Kidumatq demunq genqdevEmeweve.
bEnqkuge jumqla weseTq 62 winqsawqta waSq wituruve 1.4 biliwanq rufiyA waSq 13Disemqbar 5002 gawi warAfawivanI 13 Disemqbar 4002 gawi 3.3 biliwanqrufiyA gawi wovefaweve. wevarejqkoSq 5002 gawi weseTaSq libifawivanI 6.2winqsawqtaweve.
lOnAwi weDqvAnqsq 55 winqsawqta waSq wituruve 8.2 biliwanq rufiyA waSq wituruviwirukasqTamarunqge DipoziTq 82 winqsawqta wituruvegenq werI 5.3 biliwanq rufiyAwaSeve. lOnAwi DipoziTq waLawibalAwiru wevanI demehewqTenivi minqvarakaSq wituruve 13Disemqbar 5002 gawi 08 winqsawqtawigaweve. wewI 13 Disemqbar 4002gawi 66 winqsawqtawigawi wovefaweve. lOnAwi weDqvAnqsq wituruvumakI 4002jenuwarI gawi, bEnqkuge guLunqtakaSq wamAzukurevigenq mArkeTqkurumaSq feSifawivAkanqtawqtakewqge terewinq kamekeve. mikamuge terEgawi himenenI viyafArIge dAwirAge wenqmematIfaSalawigawi himenE kasqTamarunqnaSq viyafAri hinqgumuge fawisAwAwi lOnAwi wilekqTqrOnikqbEnqkinqg wAwi kqreDiTq kADuge viyafAri fOrukoSqdinumeve. wemIhunqge wijAbalibifawivanI furihama KidumatAwi wadi bEnqkuge maQqBadukamugawivA QawumaSq Kidumatqkurumugeterewinq Kidumatuge bawitawq wituru kurumAwi gofIge viyuga fuLAkoSqgenqneve.
bEnqkunq varaSq muhinqmugotewqgawi kasqTamar sarvisq dinumuge gotunq sunAmIgawigewqlunqvi rizOTqtakaSAwi watoLutakaSq vagutIgotunq masawqkatq faSawigatumaSq mAlIgotunqwehIterivedIfawiveweve. wehenqme sunAmIwaSq fahu 5002 vana waharuge terEgawi lOnqwanburAdewqkumuge tAvalutakaSq vesq bEnqkunq badalutakewq genesqdIfawiveweve.mihurihAkamewqge natIjAwakI lOnqge bawi wituruvegenq diwumeve.
5002 Disemqbar 13 ge niyalaSq wanburA nudawqkA wotq 058,03 lOnugeterewinq 99 winqsawqta waSq vure gina lOnakI rangaLufenqvarakaSq wEge kanqtawqhurikamaSq fAhagakurevigenq webawigawi himenifawivA lOnqtakeve. wanewq 1 winqsawqtavanI mOlqDivqsq maniTarI wotOriTIge gavAwidA wewqgotqvAgotunq wufewqdunqteri nUnqweseTqgebawigawi himanAfaweve. wufewqdunqterinUnq weseTqge kanDaweLEbawigawihimenElOnuge wadadakI wenqme 1 winqsawqta kamugawi vInamavesq, wEgawi lOnaAwiweDqvAnqsqgawi himenE jumqla fawisAge gAtqganDakaSq 9 winqsawqta himeneweve.mihenq dimAvI viyafArIge dAwirA waSqq tanqkoLewqkurinq dUkurevifawivA boDu dewadadunqneve.miwA guLigenq rizOTq raSqraSq rahunu kurevifawiveweve. wadi kanDaweLifawivA gotunq
101
5002 waSq balawilumewq 5002 waSq balawilumewq 5002 waSq balawilumewq 5002 waSq balawilumewq 5002 waSq balawilumewq
waharu feSunI yagInqkamewqnetq vilAganDewqge daSugaweve. sunAmIvanI mIhunqge diriwuLumAwigonDudoSqtawq funDAlAfaweve. wehenqme wEge sababunq mIhunqge visqnumAwi dekEgotqvesq vanI badaluvefaweve. wadi viyafArIge dAwirAgawi HarakAtqterivA mIhunqge visqnunqvesq vanI woLunq boLunq ganDewqge terEgaweve. wekamaku miyagInqkamewqnetq HAlatunqQawumu bEraSq nukumegenqfiweve. wadi miwAfeSumugawi bEnqkaSq bawiverivevEkamI bEnqkaSqlibE faKurekeve. fawisA husqviyanudinumuge mawqcaSq konqTqrOlq witurukurumAweku,risqkq menEjqkurumugawi taWurIfu libEgotakaSq masawqkatqkoSqgenq bEnqkuge wamAzaSqnuvata wewaSqvure kuriwaSq diyumaSq kaSavarukamAweku masawqkatqkurI sunAmIgawi gewqlunqlibunu rizOTqtakaSAwi watoLutakaSq mAlI wehIvedIgenqneve. 5002 vana waharu waLuganDumenqninqmAlI waLuganDumenqnA behE hurihAfarAtewqkamugawivA hiwqsAdArunqnAwikasqTamarunqnaSq, muvawqzafunqnAwi wemIhunqge WAwilAtakaSq, muLimujutamaWaSAwi QawumaSqwekaSIgenqvA wagewq devunukamuge visqnumugaweve.
viyafArI ge ginadAwirAtakugawi wufewqdunqterikanq varugadavumuge wehIwAweku 5002vana waharu bEnqkaSq libunu wAmqdanI rekODu minqvarakaSq warAfawiveweve. hurihA harakAtqtakunqvesq fenqnamunqdanI dirumAwi wituruvumeve. bEnqkuge Kidumatq libiganqna farAtqtawqwituruve viyafArIge muWAmalAtutawq rekODu minqvarakaSq warAfawivumAwekuvesq, bEnqkugerisqku wewqminqvarewqgawi hifahawqTawi wufewqdunqterinUnq weseTugeminqvarAwi lOnugegewqlumaSq hadA pqroviRanqtakaSq wekaSIgenqvA heyo badalu hOdifawivAkamaSq fAhagakureveweve.wagutawq wewqminqvarewqgawi konqTqrOlqkoSq wAmqdanI wituruvA minqvaru wagutawq wituruvAminqvaraSqvure varaSqq boDutanq matIgawi hifehewqTuneve.
rawusqmAluge fudE minqvarutawq hurI duLaheyokoSeve. risqkq vewiTeDq weseTqtawqwituruvegenq rawusqmAlaSq wituraSq bEnunqvA bEnunqvunq fUbewqdumaSq fawidAwinq nubahawibahawqTA bayaSq barOsAkurumuge wituraSq hiwqsAge bAzArugawi bEnqkuge wituru hiwqsAviwqkawigenq rawusqmAlu witurukurumaSqvanI rAvAfaweve.
mAlI hAlatu mAlI hAlatu mAlI hAlatu mAlI hAlatu mAlI hAlatu
bEnqkq wofq mOlqDivqsq plk wanewqkAvesq wufewqdunqteri waharewq ninqmawi, 5002vana waharuge Tekqsq negumuge kurInq wotq fawidAge gotugawi 621miliwanq rufiyAniwuLAlawifiweve. wewI Tekqsq negumuge kurInq 4002 vana waharu wotq 301miliwanq rufiyA waSqvure wituru wadadekeve. mifawidA HABiluvI mawiganDugotewqgawi5002 vana waharu lOnu 55 winqsawqtawaSq wituruve, waharu nimunuwiru lOnu fotugejumqla 8.2 biliwanq rufiyA waSq warawigenqneve.
bEnqkuge winqTaresqTq mArjinqge sAfu jumqla 22 winqsawqta waSq wituruve5002 vana waharu 571 miliwanq rufiyA waSq weriwiru, miWadadu 4002 gawi wotI341 miliwanq rufiyA gaweve. mihenq dimAvI mawiganDugotewqgawi daSqkoSq fawidA libEweseTqtawq fawisAge bAzArugawi winqvesqTqkurumuge badalugawi, matIfawidA libElOnAwi weDqvAnqsq dUkurumaSq DipoziTq wituruvumAweku wekamaSqq magufahivegenqneve.
jumqla wAmqdanI 52 winqsawqta wituruve 953 miliwanq rufiyA waSq werI 782miliwanq rufiyA gawi wovefaweve. wehenqme jumqla Karadu 72 winqsawqta wituruve332 miliwanq rufiyA waSq werI 481 miliwanq rufiyAwinqneve.
5002 vana waharu fI wAwi komiCanaSq libunu wAmqdanI 95 winqsawqta wituruve59 miliwanq rufiyA waSq weriwiru wewadadu 4002 gawi wotI 06 miliwanq rufiyAgaweve.
bEnqkq wofq mOlqDivqsq plk - waharI ripOTq 5002
DirekqTarunqge DirekqTarunqge DirekqTarunqge DirekqTarunqge DirekqTarunqge
ripOTq ripOTq ripOTq ripOTq ripOTq
102
walqfAMilq WabqdulqHamIdu muHanqmadu )cewarmanq(, walqfAMilq muHanqmadu waHqmadu dIdI, walqfAMilq WimAdu BAliHu, walqfAMilq muHanqmadu WabqduwqsawqtAru, walqwusqtAJu waHqmadu HamqzA
bEnqkq wofq mOlqDivqsq plk - waharI ripOTq 5002
103
DirekqTarunqge DirekqTarunqge DirekqTarunqge DirekqTarunqge DirekqTarunqge
bODu bODu bODu bODu bODu
kanAtunq vAtaSq: walqfAMilA fAYimatu nuzuhA, walqfAMilq wazamq fAriCq, walqfAMilA fAYimatu CIrInq WabqduF, walqfAMilq muHanqmadu Husawinq maniku, walqfAMilq waHqmadu WimAdu muHanqmadu, misq serInq hO wowi kuwenq )jIwemq/sIwIwO(,
bEnqkq wofq mOlqDivqsq plk - waharI ripOTq 5002
104
cewarmanqge cewarmanqge cewarmanqge cewarmanqge cewarmanqge
bayAnq bayAnq bayAnq bayAnq bayAnq
5 buri WimArAtewq hedumaSAwi, s.ganq bqrAnqcq maradUfEdUwaSq badalukurumaSq wewqburIgeWimArAtewq hedumaSq rEvifawiveweve. tiyabEfuLunqge bEnqkunq wabaduvesq viyafArIge wAfuruBatu hOdawidinumaSq kurevE masawqkatauge terewinq winqTarneTq bEnqkinqgtaWArafukurunq fada kanqtawqtawq kuramunq genqdAneweve.
Cukuru Cukuru Cukuru Cukuru Cukuru5002 vana waharuge fawidA wA hamawaSq bEnqku genqdiya menEjqmanqTAwi muvawqzafunqnaSq,waLuganDu, DirekqTarunqge bODuge farAtunqnAwi waLuganDuge wamiwqla namugawi, varaSqwiKqlABqterikamA weku Cukuru danqnavameve. DirekqTarunq ge bODugawi himenivaDawiganqnavA waLuganDuge wekuverinq, bODugawi dewqvA waguhuri KiyAlufuLutakaSqTakawiwebEfuLunqnaSq waLuganDu Cukuru danqnavameve. wadi DirekqTarunqge bODuge farAtunqbEnqkuge cewarmanewqge gotunq walqfAMilq wibqrAhImq zuuhawiru, 91 novemqbar3002nq feSigenq 82 jUnq 5002waSq, koSqdewqvAfawivA masawqkatq fAhagakoSq,waLuganDu wEnAwaSq Cukurudanqnavameve. wehenqme hiwqsAdArunqnAwi kasqTamarunqbEnqkaSq dewqvA tAwIdAwi yagInqkamaSqTakawi wehurihA bEfuLunqnaSq waLuganDu Cukurudanqnavameve.
bEnqkuge DirekqTarunqge bODuge menqbarunqge gotugawi dAdi midAkaSq duvahA hamayaSqKidumatq kurewqvumaSqfahu vakivevaDawigenq wehenq masawqkatqtakugawi CAmiluvegenqwuLuwqvA farAtqtakaSq vesq waLuganDu mifuruBatugawi Cukuru danqnavameve. waLuganDaSqmagudawqkavawi, dewqvA wewqbArulewqvunq fAhagakoSq minisqTar wofq finEnqsq wenqDqTqreRarI walqfAMilq QAsimq wibqrAhImaSq nuhanu wiKqlABqterikamAweku Cukurudanqnavameve.
rAwqje binAkurewqvumugawi KAwqBakoSq rAwqjEge mAlI dAwirA wiBqlAHukurawqvawitarawqQIkurewqvumugawi genqguLuwqvA taBawqvuraSqTakawi, bEnqkuge DirekqTarunqge bODugefarAtunq, waLuganDu, rawIsulqjumqhUriwqyA walqwusqtAJu mawumUnq Wabqdulq QawqyUmqgewarihaSq varaSq KAwqBa Cukurewq warisqkurameve.
mAtqF ge tanavasq raHumatq mibEnqkaSq lahawqTavawi bEnqkuge kurimagugawi wekalAngeniWumatAwi magudewqkevunq wedi wekalAnge HaMqratugawi duWA danqnavameve.
Wabqdulq HamIdu muHanqmaduDirekqTarunqge bODuge cewarmanq
01 mE 6002
bEnqkq wofq mOlqDivqsq plk - waharI ripOTq 5002
105
cewarmanqge cewarmanqge cewarmanqge cewarmanqge cewarmanqge
bayAnq bayAnq bayAnq bayAnq bayAnq
hamajehumA dimAwaSq hamajehumA dimAwaSq hamajehumA dimAwaSq hamajehumA dimAwaSq hamajehumA dimAwaSqmAtqF ge raHqmatqfuLAweku, bEnqkq wofq mOlqDivqsq plk ge waharI ripOTAwi5002 vana waharuge hisAbutawq, DirekqTarunqge farAtunq huSaheLumakI waLuganDaSqlibE wufalekeve.
nimigenqdiya waharuge furatama tinq masqduvasq vegenqdiyawI sunAmIge fahunqmawiganDu wiQqtiBAdaSq varaSq boDaSq loLunqwarawi bAru boDuvefawivA duvasqkoLakaSeve.wekamaku waharuge fahukoLaSq diyawiru, wiQqtiBAdu daSaSq diyadiyunq wavahaaSq rangaLuvamunqwanqnakamuge WalAmAtqtawq vanI fenqnanq faSAfaweve. wewI Qawumuge kamAbehE hurihAfarAtewqge WamalI bawiverivumAwi wehIterikanq libigenqneve. Disemqbar 4002gesunAmIgawi wenqme boDaSq waDiwaLAli wewqdAwirA wakI faturuverikameve. midAwirAgawiHarakAtqterivA farAtqtakunq faturuverikanq wiCqtihArukoSq wA mAkeTq hOdawi rAwqjewaSqfaturuverinq wanqna mAkeTqtawq demehewqTumaSq gadawaLawi kuramunqdiya masawqkatugenatIjAwewqge gotunq midAwirAge magAmu kurinq wotq hisAbaSq wawumugawi wanqna faturuverinqgewadadu wituruvumAwi wemIhunq rAwqjEgawi wendubEnunqkurA wadadu ginavamunqdAtanq wanqnanIfenqnamunqneve. masqverikamugeBinAWatu wavahaSq rangaLuvamunq webadeweve. wewI dUnirOgAge
sababunq duniyEge bAzArugawi mahuge wagumative rAwqjewinq bErukurevE mahaSq libEwewqcewq wituruvegenqneve. waharuge terEgawi WimArAtqkurumuge masawqkatunq fenqnamunqdanIvaraSq wunqmIdI kulawekeve. wewI mIhunq diriwuLE raSqraSAwi faturuveri raSqraSq sunAmIwinqhalAkuvi halAkuvunq fUbawqdawi wArAsqtukurumaSq kurevemunqdA masawqkatA guLigenqneve.haluwikamAweku kuriwaramunq wanqna faturuverikamAwi masqverikamAwi WimArAtqkurumugemasawqkatuge sababunq waharuge fahubawigawi Qawumugawi wiQqtiBAdI harakAtqtawqbehigenqdA minqvaru varaSq boDaSq wituruvefawiveweve.
sunAmIge sababunq wiQqtiBAdu loLuvAli loLuvAlumAwi, 5002vana waharuge terEgawiteluge wagu mawqcaSqdiya diyumAwekugawi vesq, bEnqkq wofq mOlqDivqsq wanewqkAvesqsAbitukoSq denI fawidAwAwi mAlI HAlatuge duLaheyokameve. midenqnevi widi sababutawqgonqjehumakaSq balawigenq, 4002vana waharuge Tekqsq negumuge kurinq wotq fawidAgegotugawi wotq 301 miliwanq rufiyAwaSq vure fawidA wituruve, bEnqkaSq 5002vanawaharu 621 miliwanq rufiyA HABilqkurevifawiveweve. wadi hiwqsAdArunqgewikuwiTI)rawusqmAlu( 52 winqsawqta wituruvefawiveweve.
sepqTemqbar 5002gawi bEnqkq wofq mOlqDivqsq plk)bIwemqwelq( ge cewarmanqkamuge magAmu waLuganDaSq dewqvikamI waLuganDaSq libunu Carafekeve. bEnqkewqgeHayAtugawi vEtuvediya 42waharu, bIwemqwelq winq rAwqjEge mAlI Kidumatqtawq tarawqQIkurumaSq muhinqmu dawurewq wadAkoSqdIfawiveweve.
waLuganDumenqge wasAsI wamAzakI wufewqdunqterikameve. waLuganDumenq naSq hAsilukurevEhAsilqkurumuge rekODq danI kuriwaSeve. waLuganDumenqge muhinqmu mAlI dAwirAtakunqfenifawivanI kuriwerumeve. bEnqkuge wAmqdanIge binqgA vanI fuLAvefaweve.
bEnqkuge DipoziTq bEsq 5002 vana waharu 82 winqsawqtawigawi kuriweruvumaSqvaraSq boDu gonqjehumAweku masawqkatqkurevifawivanI wewI fanqDukurumuge wenqme muhinqmuvasIlatqkamunqneve. DipoziTq bEhuge jumqlawakI 5.3 biliwanq rufiyAweve.
6002 vana waharu fenqnagotq 6002 vana waharu fenqnagotq 6002 vana waharu fenqnagotq 6002 vana waharu fenqnagotq 6002 vana waharu fenqnagotqrAwqjEge wiQqtiBAduge bawewq dAwirAtakuge terewinq sunAmI kArisAge wasarukuDakoSq fenqnamunqdeweve. sunAmIwA guLigenq kurevE WimArAtqtakuge sababunq DimAnqDqwituruve natIjA wituruvAneweve. wunqmIdukurevE gotugawi 6002vana waharu wiQqtiBAdIwufewqdunqterikanq rangaaLuvAneweve. wituraSq fahikoSq, sarukAruge farAtunq faturuverikamAwimasqverikamAwi danDuverikamAwi watoLutawq tarawqQIkurumuge maCqrUWutakAwekumidAwirAtakaSq 6002vana waharu wArOkamewq wanqnAne kamaSq lafAkureveweve.
bEnqkq wofq mOlqDivqsq winq musqtagubalaSq balamunqmidanI yagInqkamAwekugaweve.bEnqkuge 6002 vana waharuge Tqrewininqg bajeTq vanI witurukoSqfaweve. wadivazIfAtakaSq dasqveninq nagA wadadu witurukurAneweve. bEnqku ge woparECanqtawqfuLAkurumaSq gasqdukurameve. wewI Kidumatq witurukoSq fasEhawinq watqfOrA hisAbugawiKidumatq libEgotq hadawidIgenqneve. rAwqjEgawi bEnqkuge Kidumatq fuLAkurumuge gotunqgina watoLutakugawi gofi huLuvawigenqneve. mawiwofIhuge towqjehunq kuDakurumaSq vilingilIgawi
Wabqdulq HamIdu muHanqmadu
DirekqTarunqge bODuge cewarmanq wadi menEjinqg DirekqTar
bEnqkq wofq mOlqDivqsq plk - waharI ripOTq 5002
106 bEnqkq wofq mOlqDivqsq plk - waharI ripOTq 5002
bqrAnqcq bqrAnqcq bqrAnqcq bqrAnqcq bqrAnqcq
menEjarunq menEjarunq menEjarunq menEjarunq menEjarunq
fahatu bari kowqLaSq kanAtunq vAtaSq fahatu bari kowqLaSq kanAtunq vAtaSq fahatu bari kowqLaSq kanAtunq vAtaSq fahatu bari kowqLaSq kanAtunq vAtaSq fahatu bari kowqLaSq kanAtunq vAtaSq:
walqfAMilA CarumIlA muHanqmadu)winqcAjq, vilimAle bqrAnqcq(, walqfAMilq WabqduF BabAHq)menEjar, diwqdU bqrAnqcq(, walqfAMilq muHanqmadu wibqrAhImq)menEjar, wEdafuSi bqrAnqcq(,
walqfAMilA hidAyA waHqmadu)menEjar, mewinq bqrAnqcq(
devana bari kowqLaSq kanAtunq vAtaSq devana bari kowqLaSq kanAtunq vAtaSq devana bari kowqLaSq kanAtunq vAtaSq devana bari kowqLaSq kanAtunq vAtaSq devana bari kowqLaSq kanAtunq vAtaSq:
walqfAMilA fAYimatu nihAnq)menEjar, ganq bqrAnqcq(, walqfAMilA fAYimatu malIHA jamAlu)menEjar, huLumIdU bqrAnqcq(, walqfAMilq Hasanq WabqduF )menEjar, fuvawqmulaku bqrAnqcq(,
walqfAMilq firAQq waHqmadu)menEjar, nawifaru bqrAnqcq(, walqfAMilq WabuduF sujAWu )winqcAjq, wungUfAru bqrAnqcq(, walqfAMilq wibqrAhImq WalI)menEjar, huLumAle bqrAnqcq(,
walqfAMilq Wabqdulq WazIzq rifAWu)winqcAjq, tinadU bqrAnqcq(, walqfAMilA fAtimatu raCIdA )menEjar, majIdI magu bqrAnqcq(, walqfAMilq WabqduF CamImu)menEjar, mAlE winqTarnECanalq wewarpOTq bqrAnqcq(
wiSIndegenq kanAtunq vAtaSq wiSIndegenq kanAtunq vAtaSq wiSIndegenq kanAtunq vAtaSq wiSIndegenq kanAtunq vAtaSq wiSIndegenq kanAtunq vAtaSq:
walqfAMilA mariyamq BAliHq)menEjar, hitadU bqrAnqcq(, walqfAMilq waHqmadu niyAzu)menEjar, bAzAru bqrAnqcq(, walqfAMilq WalI raCIdu)menEjar, mulI bqrAnqcq(, walqfAMilq muHanqmadu muWInu)menEjar, fonadU bqrAnqcq(
walqfAMilq muHanqmadu niyAzu)winqcAjq, vilingili bqrAnqcq(, walqfAMilA munIrA WalI)menEjar, kuLuduwqfuSi bqrAnqcq(
foTO: mE 6002
107bEnqkq wofq mOlqDivqsq plk - waharI ripOTq 5002
DipATqmanqTq DipATqmanqTq DipATqmanqTq DipATqmanqTq DipATqmanqTq
menEjarunq menEjarunq menEjarunq menEjarunq menEjarunq
kowqLaSq kanAtunq vAtaSq kowqLaSq kanAtunq vAtaSq kowqLaSq kanAtunq vAtaSq kowqLaSq kanAtunq vAtaSq kowqLaSq kanAtunq vAtaSq:
walqfAMilq WadqlI waHqmadu dIdI)menEjar, winqformECanq TekqnolojI DipATqmanqTq(, walqfAMilq yAmInq wAdamq)menEjar, forinq DipATqmanqTq(, walqfAMilq naBqruF Wabqdulq vAHidu )menEjar, finEnqsq DipATqmanqTq(,
walqfAMilq Hasanq CAmq)menEjar, pabqlikq rilECanqsq wenqDq weDqminisqTqrECanq DipATqmanqTq(, walqfAMilq muHanqmadu CarIfu)menEjar, kADq senqTar(, walqfAMilq WalI wAdamq)menEjar, wenqTarpqrawizq bEnqkinqg
DipATqmanqTq(, walqfAMilq muHanqmadu HalImu)menEjar, DivelopqmenqTq bEnqkinqg selq(
wiSIndegenq kanAtunq vAtaSq wiSIndegenq kanAtunq vAtaSq wiSIndegenq kanAtunq vAtaSq wiSIndegenq kanAtunq vAtaSq wiSIndegenq kanAtunq vAtaSq:
walqfAMilq Hasanq raCIdu)menEjar, kOparETq wefewAzq DipATqmanqTq(, walqfAMilq waHqmadu raCIdu)menEjar, hiwumanq risOsasq DipATqmanqTq(, walqfAMilA wAminatu CAhInq)menEjar, kqreDiTq DipATqmanqTq(,
walqfAMilq muHanqmadu wisqmAwIlq)menEjar, lIgalq wefewAzq wenqDq DokiwumenqTECanq DipATqmanqTq(, walqfAMilq muHanqmadu waHqmadu) menEjar, winqsqpekqCanq DipATqmanqTq(
foTO: mE 6002
108
sIniwar menEjqmanqTq sIniwar menEjqmanqTq sIniwar menEjqmanqTq sIniwar menEjqmanqTq sIniwar menEjqmanqTq
TImq TImq TImq TImq TImq
bEnqkq wofq mOlqDivqsq plk - waharI ripOTq 5002
kanAtunq vAtaSq kanAtunq vAtaSq kanAtunq vAtaSq kanAtunq vAtaSq kanAtunq vAtaSq:
misqTar luwA TU suvI )cIfq kqreDiTq wofisar(, walqfAMilA nAdiyA Hasanq )wesisqTenqTq jeneralq menEjar(, misq serInq hO wowi kuwenq )jeneralq menEjar wadi cIfq wegqzekeTivq wofisar(,
walqfAMilA WAwiCatu nUrawqdInq )wesisqTenqTq jeneralq menEjar(, walqfAMilA fAYimatu manike )wesisqTenqTq jeneralq menEjar(, misqTar wajitu mahinqdA wakqmImanage Donq )cIfq fawinEnqCalq wofisar(
foTO: mE 6002
109
wusqwalitawq wusqwalitawq wusqwalitawq wusqwalitawq wusqwalitawq
bEnqkq wofq mOlqDivqsq plk - waharI ripOTq 5002
waharu waharu waharu waharu waharu
hiwqsAwakaSq libunu wAmqdanI
hiwqsAwakaSq behunu fawidA
hurihA Karadewq kenDumunq hiwqsA wakaSq jehE milqkuverikamuge wagu
bAzArugawi hiwqsAwakaSq jehE wagu
mati
daSq
waharu nimunu wiru
2003
207.15
90.00
2,239.56
1,200.00
600.00
1,000.00
2005
775.88
100.00
3,460.44
1,800.00
975.00
1,550.00
2004
629.99
95.00
2,779.55
1,350.00
750.00
1,175.00
2002
190.46
85.00
2,032.40
750.00
585.00
650.00
2001
460.99
85.00
1926.95
)hurihA wadadewq divehi rufiyAwinq(
110
waLuganDumenqge waLuganDumenqge waLuganDumenqge waLuganDumenqge waLuganDumenqge
tasawqvuru tasawqvuru tasawqvuru tasawqvuru tasawqvuru
kamaSq kamEhitA muvawqzafunq, fenqvaru rangaLaSq Kidumatq dIgenq waLuganDumenq kurihOdAnameve.waLuganDumenqge QAbiliwqyatu tanqdinq wenqme rangaLakaSq waLuganDumenq jamAWataSq
KidumatqkurAnameve. tiya bEfuLunqge bEnunqtawq kanulA waDuwahawigenq waLuganDumenq tiya bEfuLunqgehitqpuLu hamajawqsawidEnameve.
bEnqkq wofq mOlqDivqsq - divehinqge bEnqkaSq vItI faKuruverivanq bEnqkq wofq mOlqDivqsq - divehinqge bEnqkaSq vItI faKuruverivanq bEnqkq wofq mOlqDivqsq - divehinqge bEnqkaSq vItI faKuruverivanq bEnqkq wofq mOlqDivqsq - divehinqge bEnqkaSq vItI faKuruverivanq bEnqkq wofq mOlqDivqsq - divehinqge bEnqkaSq vItI faKuruverivanq
bEnqkq wofq mOlqDivqsq plk - waharI ripOTq 5002
111
magusaduge magusaduge magusaduge magusaduge magusaduge
bayAnq bayAnq bayAnq bayAnq bayAnq
cnuvirevudet
cnuruk cmWritcHia
cnuruk utWlwsWvum
cnunid ctwmudiK
cnuviretcnudcaefua
bEnqkq wofq mOlqDivqsq plk - waharI ripOTq 5002
Qawumuge Kidumatugawi Qawumuge Kidumatugawi Qawumuge Kidumatugawi Qawumuge Kidumatugawi Qawumuge Kidumatugawi
112
32 novemqbar 5991fuvawqmulaku bqrAnqcq, N. watoLu
03 novemqbar 7991vilingili bqrAnqcq, gw. watoLu
02 wogasqTq 8991mAlE winqTarnECanalq wewarpOTq bqrAnqcq, huLule
11 mAcq 1002diwqdU bqrAnqcq, hw. watoLu
90 wokqTObar 3002vilimAle bqrAnqcq, vilingili, mAle
21 wokqTObar 3002huLumIdU bqrAnqcq, s. watoLu
51 wokqTObar 3002wungUfAru bqrAnqcq, r. watoLu
30 wEpqrIlq 5002huLumAle bqrAnqcq, huLumAle
11 mE 6002wEdafuSi bqrAnqcq, b.watoLu
rawIsulq jumqhUriwqyA walqwusqtAJu mawumUnq Wabqdulq QawqyUmq, 8 burIge bEnqkq wofqmOlqDivqsq WimArAtuge binqgA boDutakurufAnu magugawi wotq bEnqkuge gOtIgawi 92Disemqbar 7991 gawi waLuwqvawi dewqviweve. 72 jenuwarI 0002 gawi wemanikufAnubEnqkuge wawu WimArAtq rasqmIgotunq huLuwqvawi dewqviweve. wadi hama weduvahu bEnqkunqrAwqjewaSq walaSq taWArafu kuri bEnqkuge woTomETeDq Telar meCinqge Kidumatq WiwqzatqterirawIsulqjumqhUriwqyA faSqTavawi dewqviweve.
weTolqsq kqreDiTq wenqDq DivelopqmanqTq bEnqkinqg pqrojekqTq gawi himenE wuturugewatoLutakAwi medurAwqjeterewinq l. watoLu ge niyalaSq huri watoLutakAwi, sadanqweTolqsq DivelopqmanqTq pqrojekqTq gawi himenE wenqme dekunuge hataru watoLukamugawivAgw, gd, N, wadi s. watoLuge kanqtawq hinqgawi balahawqTanI bEnqkq wofq mOlqDivqsqplk ge DivelopqmanqTq bEnqkinqg harakAtuge terewinqneve. mIge terewinq furatamapqrojekqTq hinqganI winqTarnECanalq fanqDq for wegqrikalqcaralq DivelopqmanqTq)wifADq( winq digu muwqdatakaSq nagAfawivA lOnq fawisA winqneve. devana pqrojekqTqhinqganI winqTarnECanalqq fanqDq for wegqrikalqcaralq DivelopqmanqTq )wifADq( wAwiwOpekq fanqDq fOr winqTarnECanalq DivelopqmanqTq )wOpekq( winq digu muwqdatakaSqnagAfawivA lOnu fawisA winqneve. mifawisA hOwqdavawidewqvI divehi sarukArumeduverivevaDawigenqneve.
maWulUmAtu maWulUmAtu maWulUmAtu maWulUmAtu maWulUmAtu
bEnqkq wofq mOlqDivqsq plk - waharI ripOTq 5002
bEnqkq wofq mOlqDivqsq plk ge wEdafuSi bqrAnqcq minisqTar wofq finEnqsq wenqDq TqreRarI wonarabqlq walqfAMilq QAsimq wibqrAhImq 11 mE 6002 gawi huLuwqvawi dewqvanI
113
bEnqkq wofq mOlqDivqsq plk 11 novemqbar 2891 gawi wifqtitAHq koSqdewqvIrawIsulq jumqhUriwqyA walqwusqtAJu mawumUnq Wabqdulq QawqyUmeve. bEnqku hinqgaanqfaSawigatI sarukAru hiwqsAvA kunqfunitawq himenEgotaSq divehi sarukAruge 06winqsawqta hiwqsAwAwi winqTarnECanalq finEnqsq wenqDq winqvesqTqmanqTqkomqpenI limiTeDq )fahunq wawi. wefq. wawi. sI bEnqkq limiTeDq(, DAkA, banqgqlAdECq,ge 04 winqsawqta hiwqsAvA jowinqTq venqcar bEnqkewqge gotugaweve. bEnqkuhuLuvunIwqsure 13 Disemqbar 2991 ge niyalaSq bEnqku hinqgawidinI wawi. wefq.wawi. sI bEnqku limiTeDA demedu kurevunu menEjqmanqTq konqTqrekqTewq ge daSunqwefarAtunqneve. mi konqTqrekqTq ge daSunq bEnqku hinqgAnE kamuge mAhirunq hOdawiharudanA binqgalewqge matIgawi faSawigatumuge masawqkatqkurI wawi. wefq. wawi. sI.bEnqku limiTeDunq, wefarAtaSq menEjqmanqTq fI wewqge gotugawi fawidAge 01 winqsawqtadIgenqneve.
bEnqkuge dihavana waharu, wawi, wefq, wawi. sI bEnqkA weku bEnqku hinqgumaSq vefawivAwewqbasqvumuge muwqdatu hamavumunq, wegqrImenqTq wAkoSq nudewqvawi bEnqku walunqwinqtizAmu kurewqvumaSq divehisarukArunq ninqmeviweve. wehenqkamunq wawi. wefq. wawi.sI bEnqkaSq wekanq wanqgawi wefarAtuge hiwqsA kuDakoSq, wefarAtunq bODugawi tamqsIlukurA wadadu madukurumaSq wedevuneve. natIjAwewqge gotunq, wawi.wefq.wawi. sI bEnqkunqninqmI bEnqkuhinqgumaSq wefarAtA weku kurevifawivA wewqbasqvumuge muwqdatu hamavAtArIKu kamaSqvA 13 Disemqbar 2991 ge niyalaSq wefarAtAwi bEnqkA demedu wotqguLunq kanDAlawi bEnqkq wofq mOlqDivqsqgawi wotq wefarAtuge hiwqsA viwqkAlumaSeve.41 novemqbar 2991 gawi divehisarukArunq bEnqkq wofq mOlqDivqsq gawi wotqwawi.wefq. wawi. sI bEnqkq limiTeDq ge 04 winqsawqta hiwqsA bawqlavawigateve.mihenqvumunq bEnqkq wofq mOlqDivqsqge hiwqqsAge rawusqmAlq ge 08 winqsawqtawakI divehisaruukAruge milqkewqkamaSq hamajawqsawi, rawusqmAluge bAkI wotq 02winqsawqta hamayaSq debawikoSq wewqbawi sqTETq TqrEDinqg wOganawizECanaSq wanewqbawimOlqDivqsq TqrAnqsqpOTq wenqDq konqTqrekqTinqg komqpenI waSq viwqkAlevuneve.
bEnqkuge rawusqmAlu witurukurumaSq Takawi wAnqmunqnaSq bEnqkuge hiwqsA viwqkevumaSqdivehisarukArunq Disemqbar 2991 gawi ninqmeviweve.
1 jenuwarI 3991 winq feSigenq bEnqkq wofq mOlqDivqsq plk wakI divehirawqyitunqnAwidivehi sarukAruge wamiwqla bEnqkekeve.
bEnqkq wofq mOlqDivqsq plk winq 3991, 4991,5991,6991,7991 wadi8991 gawi wAnqmunqnaSq hiwqsA viwqkAfawiveweve. mi gotaSq hiwqsA viiwqkumugenatIjA wewqge gotunq 2991 gawi bEnqkuge waguwadAkoSqfawivA rawusqmAlu gegotugawi 5 miliyaanq rufiyA winq 8991 gawi 615.63 miliyanq rufiyAwaSqweriweve. 8991 ge fahunq wituraSq hiwqsA viwqkAfawi netumAweku, 4002 vanawaharu nimunuwiruvesq bEnqkuge waguwadAkoSqfawivA rawusqmAluge gotugawi wotI615,63 miliyanq rufiyAweve.
bEnqkuge mawiganDu viyafAri binAvefawi vanI viyafAri bEnqkinqg ge mawqcaSeve. wadibEnqkuge farAtunq rAwqjEge hurihA watoLakaSq tarawqQIge bEnqkinqg ge harakAtqtawqfOrukoSqdinumuge wituraSq, bEnqkq wofq mOlqDivqsq plk ge farAtunq ”wonq lawinq“koSq muLinq komqpiwuTar viwugawewq bEnunq kurevE mAhawulewqgawi mizamAAnuge tafAtubEnqkinqg Kidumatqtawq fOrukoSq demunq genqdiyumAweku, bEnqkq wofq mOlqDivqsq plk
vanI faKuruverikamAweku wenqme kurI safugawi QawumaSq Kidumatq kurA bEnqku kamaSqvefaweve.
mihAru bEnqkq wofq mOlqDivqsq plk ge 91 gofi webahuwqTeve. navAra gofIgeterewinq tinq gofi hurI verikanq kurA raSq, mAlEgaweve. wewq gofi hurI mAlE bawinalqwaQqvAmI vawige bandaru)huLule( gaweve. wewqgofihurI huLumAlEgaweve. wadi wanewqgofihurI mAlE fasqvana wavaSq kamugawivA vilingilIgaweve. wanewq tEra gofi rAwqjEgewatoLutakugawi kanDaweLifawivA saraHawqdu takakaSq Kidumatq kurA gotaSeve. wehenqkamunqmuLi rAwqjewaSq bEnqkq wofq mOlqDivqsq plk winq Kidumatq fOrukoSq deveweve.bEnqkq wofq mOlqDivqsq plk ge gofitawq huLuvigenq diya tirIgawi vA tarutIbunqsIdA gotewqgawi bEnqku fuLAvegenq diyagotq dawqkuvawideweve.
32 mE 2891kunqfunqNewqge gotugawi minisqTqrI wofq hOmq wefewAzq gawi rajisqTqrI kurevunq
01 novemqbar 2891bEnqkuge viyafAri hinqgumuge lawisanqsq mOlqDivqsq maniTarI wotOriTIwinq dewqvunq
11 novemqbar 2891mawi gofi wadi mawi wofIsq, mAle
10 Disemqbar 3891ganq bqrAnqcq, s. watoLu
92 Disemqbar 4891majIdImagu bqrAnqcq, mAle
92 Disemqbar 7891bAzAru bqrAnqcq, mAle
62 jUnq 0991nawifaru bqrAnqcq, L. watoLu
92 Disemqbar 1991kuLuduwqfuSi bqrAnqcq, hd. watoLu
61 jenuwarI 3991fonadU bqrAnqcq, l. watoLu
71 jenuwarI 4991hitadU bqrAnqcq, s. watoLu
01 wokqTObar 4991mulI bqrAnqcq, m. watoLu
03 wokqTObar 4991tinadU bqrAnqcq, gd. watoLu
maWulUmAtu maWulUmAtu maWulUmAtu maWulUmAtu maWulUmAtu
bEnqkq wofq mOlqDivqsq plk - waharI ripOTq 5002
114
guLEne guLEne guLEne guLEne guLEne
nanqbarutawq nanqbarutawq nanqbarutawq nanqbarutawq nanqbarutawq
bEnqkq wofq mOlqDivqsq plk - waharI ripOTq 5002
gofitawq gofitawq gofitawq gofitawq gofitawq
bAzAru bqrAnqcq bAzAru bqrAnqcq bAzAru bqrAnqcq bAzAru bqrAnqcq bAzAru bqrAnqcq bEnqkq wofq mOlqDivqsq plk wOkiDq magu, mAle, 88102 divehirAwqje fOnu: 2220 333 )069( + fekqsq: 0220 333 )069( + wI-mewilq: vm.moc.lmb@razab
diwqdU bqrAnqcq diwqdU bqrAnqcq diwqdU bqrAnqcq diwqdU bqrAnqcq diwqdU bqrAnqcq bEnqkq wofq mOlqDivqsq plk nIlOfaru magu, hw. diwqdU, 00110 divehirAwqje fOnu: 6600 056 )069( + fekqsq: 6600 056 )069( + wI-mewilq: vm.moc.lmb@oohdhdihd
wEdafuSi bqrAnqcq wEdafuSi bqrAnqcq wEdafuSi bqrAnqcq wEdafuSi bqrAnqcq wEdafuSi bqrAnqcq bEnqkq wofq mOlqDivqsq plk yUsufq kalEfAnu magu, b. wEdafuSi, 08060 divehirAwqje fOnu: 8248 066 )069( + fekqsq: 1348 066 )069( + wI-mewilq: vm.moc.lmb@ihsufahdye
fonadU bqrAnqcq fonadU bqrAnqcq fonadU bqrAnqcq fonadU bqrAnqcq fonadU bqrAnqcq bEnqkq wofq mOlqDivqsq plk wanqdalIbu magu, l. fonadU, 08051 divehirAwqje fOnu: 9270 086 )069( + fekqsq: 9270 086 )069( + wI-mewilq: vm.moc.lmb@oohdanof
fuvawqmulaku bqrAnqcq fuvawqmulaku bqrAnqcq fuvawqmulaku bqrAnqcq fuvawqmulaku bqrAnqcq fuvawqmulaku bqrAnqcq bEnqkq wofq mOlqDivqsq plk bahArumagu, N. fuvawqmulawq, 41081 divehirAwqje fOnu: 3005 686 )069( + fekqsq: 5660 686 )069( + wI-mewilq: vm.moc.lmb@ukalumhavuf
ganq bqrAnqcq ganq bqrAnqcq ganq bqrAnqcq ganq bqrAnqcq ganq bqrAnqcq bEnqkq wofq mOlqDivqsq plk bqlokq nanqbaru 205, s. ganq, 07091 divehirAwqje fOnu: 4108 986 )069( + fekqsq: 7808 986 )069( + wI-mewilq: vm.moc.lmb@nag
hitadU bqrAnqcq hitadU bqrAnqcq hitadU bqrAnqcq hitadU bqrAnqcq hitadU bqrAnqcq bEnqkq wofq mOlqDivqsq plk GAzImagu, meduvalu, s. hitadU, 02091 divehirAwqje fOnu: 1105 886 )069( + fekqsq: 3105 886 )069( + wI-mewilq: vm.moc.lmb@oohdahtih
huLumIdU bqrAnqcq huLumIdU bqrAnqcq huLumIdU bqrAnqcq huLumIdU bqrAnqcq huLumIdU bqrAnqcqbEnqkq wofq mOlqDivqsq plkbahAwuwqdInq magu , s. huLudU, 06091divehirAwqjefOnu: 0075 986 )069( +fekqsq: 9204 986 )069( +wI-mewilq: vm.moc.lmb@oohdeemuhluh
huLumAle bqrAnqcq huLumAle bqrAnqcq huLumAle bqrAnqcq huLumAle bqrAnqcq huLumAle bqrAnqcqbEnqkq wofq mOlqDivqsq plkyuniTq sI-jI-50, bagIcA hingunqhuLumAle, 00032, divehirAwqjefOnu: 7600 533 )069( +fekqsq: 6250 533 )069( +wI-mewilq: vm.moc.lmb@elamuhluh
kuLuduwqfuSi bqrAnqcq kuLuduwqfuSi bqrAnqcq kuLuduwqfuSi bqrAnqcq kuLuduwqfuSi bqrAnqcq kuLuduwqfuSi bqrAnqcqbEnqkq wofq mOlqDivqsq plkhd. kuLuduwqfuSi, 01120divehirAwqjefOnu: 3188 256 )069( +fekqsq: 1167 256 )069( +wI-mewilq: vm.moc.lmb@ihsuffuhdluk
mewinq bqrAnqcq mewinq bqrAnqcq mewinq bqrAnqcq mewinq bqrAnqcq mewinq bqrAnqcqbEnqkq wofq mOlqDivqsq plkbEnqkq wofq mOlqDivqsq bilqDinqg, 1 vana fanqgifilA11, boDutakurufAnu magu, mAle, 49002, divehirAwqjefOnu: 4410 333 )069( +fekqsq: 0810 333 )069( +wI-mewilq: vm.moc.lmb@niam
majIdImagu bqrAnqcq majIdImagu bqrAnqcq majIdImagu bqrAnqcq majIdImagu bqrAnqcq majIdImagu bqrAnqcqbEnqkq wofq mOlqDivqsq plkmajIdI magu, mAle, 83102divehirAwqjefOnu: 2020 333 )069( +fekqsq: 0120 333 )069( +wI-mewilq: vm.moc.lmb@ugameehdeejam
mAlE winqTarnECanalq wewarpOTq bqrAnqcq mAlE winqTarnECanalq wewarpOTq bqrAnqcq mAlE winqTarnECanalq wewarpOTq bqrAnqcq mAlE winqTarnECanalq wewarpOTq bqrAnqcq mAlE winqTarnECanalq wewarpOTq bqrAnqcqbEnqkq wofq mOlqDivqsq plkhuLule, 00022divehirAwqjefOnu: 1125 133 )069( +fekqsq: 1125 133 )069( +wI-mewilq: vm.moc.lmb@tropria
mulI bqrAnqcq mulI bqrAnqcq mulI bqrAnqcq mulI bqrAnqcq mulI bqrAnqcqbEnqkq wofq mOlqDivqsq plkranqkokA magu, m. muli, 05011divehirAwqjefOnu: 1000 276 )069( +fekqsq: 1000 276 )069( +wI-mewilq: vm.moc.lmb@ilum
nawifaru bqrAnqcq nawifaru bqrAnqcq nawifaru bqrAnqcq nawifaru bqrAnqcq nawifaru bqrAnqcqbEnqkq wofq mOlqDivqsq plkmerinq Dqrawivq, L. nawifaru, 02070divehirAwqjefOnu: 9130 266 )069( +fekqsq: 9130 266 )069( +wI-mewilq: vm.moc.lmb@urafian
tinadU bqrAnqcq tinadU bqrAnqcq tinadU bqrAnqcq tinadU bqrAnqcq tinadU bqrAnqcqbEnqkq wofq mOlqDivqsq plkvaruhagumagu, gd. tinadU, 00171divehirAwqjefOnu: 2001 486 )069( +fekqsq: 4891 486 )069( +wI-mewilq: vm.moc.lmb@oohdaniht
wungUfAru bqrAnqcq wungUfAru bqrAnqcq wungUfAru bqrAnqcq wungUfAru bqrAnqcq wungUfAru bqrAnqcqbEnqkq wofq mOlqDivqsq plkmisqkitq magu, r. wungUfAru, 06050divehirAwqjefOnu: 2720 856 )069( +fekqsq: 2720 856 )069( +wI-mewilq: vm.moc.lmb@uraafoognu
vilingili bqrAnqcq vilingili bqrAnqcq vilingili bqrAnqcq vilingili bqrAnqcq vilingili bqrAnqcqbEnqkq wofq mOlqDivqsq plkwamInImagu, gw. vilingili, 02061divehirAwqjefOnu: 5000 286 )069( +fekqsq: 5000 286 )069( +wI-mewilq: vm.moc.lmb@ilignilliv
vilimAle bqrAnqcq vilimAle bqrAnqcq vilimAle bqrAnqcq vilimAle bqrAnqcq vilimAle bqrAnqcqbEnqkq wofq mOlqDivqsq plkbqlokq nanqbaru: 13, vilingili, mAle 71012divehirAwqjefOnu: 0561 933 )069( +fekqsq: 1561 933 )069( +wI-mewilq: vm.moc.lmb@elamilliv
115
guLEne guLEne guLEne guLEne guLEne
nanqbarutawq nanqbarutawq nanqbarutawq nanqbarutawq nanqbarutawq
mawi wofIsq mawi wofIsq mawi wofIsq mawi wofIsq mawi wofIsqbEnqkq wofq mOlqDivqsq plk11, boDutakurufAnu magu, mAle, 49002divehirAwqje
kunqfunIge rajisqTarI nanqbaru : 2891/22-C
fOnu:8492 233 )069( +fekqsq:3328 233 )069( +sqvifqTq: VMVMBLAMsawiTq: vm.moc.sevidlamfoknab.wwwwI-mewilq: vm.moc.lmb@ofniTelekqsq: FM MOKNAB 03077
bEnqkq wofq mOlqDivqsq plk - waharI ripOTq 5002
kADq senqTar kADq senqTar kADq senqTar kADq senqTar kADq senqTar bEnqkq wofq mOlqDivqsq plk bEnqkq wofq mOlqDivqsq bilqDinqg, 5 vana fanqgifilA 11, boDutakurufAnu magu, mAle, 49002 divehirAwqje fOnu: 0020 333 )069( + fekqsq: 5920 333 )069( + wI-mewilq: vm.moc.lmb@ertnecdrac
kOparETq wefewAzq DipATqmanqTq kOparETq wefewAzq DipATqmanqTq kOparETq wefewAzq DipATqmanqTq kOparETq wefewAzq DipATqmanqTq kOparETq wefewAzq DipATqmanqTq bEnqkq wofq mOlqDivqsq plk bEnqkq wofq mOlqDivqsq bilqDinqg, 6 vana fanqgifilA 11, boDutakurufAnu magu, mAle, 49002 divehirAwqje fOnu: 8810 333 )069( + fekqsq: 5810 333 )069( + wI-mewilq: vm.moc.lmb@sriaffaetaroproc
kqreDiTq DipATqmanqTq kqreDiTq DipATqmanqTq kqreDiTq DipATqmanqTq kqreDiTq DipATqmanqTq kqreDiTq DipATqmanqTq bEnqkq wofq mOlqDivqsq plk bEnqkq wofq mOlqDivqsq bilqDinqg, 6 vana fanqgifilA 11, boDutakurufAnu magu, mAle, 49002 divehirAwqje fOnu: 2510 333 )069( + fekqsq: 5810 333 )069( + wI-mewilq: vm.moc.lmb@tiderc
DivelopqmenqTq bEnqkinqg selq DivelopqmenqTq bEnqkinqg selq DivelopqmenqTq bEnqkinqg selq DivelopqmenqTq bEnqkinqg selq DivelopqmenqTq bEnqkinqg selq bEnqkq wofq mOlqDivqsq plk bEnqkq wofq mOlqDivqsq bilqDinqg, 2 vana fanqgifilA 11, boDutakurufAnu magu, mAle, 49002 divehirAwqje fOnu: 2610 333 )069( + fekqsq: 6810 333 )069( + wI-mewilq: vm.moc.lmb@cbd
wenqTarpqrawizq bEnqkinqg DipATqmanqTq wenqTarpqrawizq bEnqkinqg DipATqmanqTq wenqTarpqrawizq bEnqkinqg DipATqmanqTq wenqTarpqrawizq bEnqkinqg DipATqmanqTq wenqTarpqrawizq bEnqkinqg DipATqmanqTq bEnqkq wofq mOlqDivqsq plk bEnqkq wofq mOlqDivqsq bilqDinqg, 2 vana fanqgifilA 11, boDutakurufAnu magu, mAle, 49002 divehirAwqje fOnu:8920 333 )069( + fekqsq:6810 333 )069( + wI-mewilq: vm.moc.lmb@gniknabesirpretne
finEnqsq DipATqmanqTq finEnqsq DipATqmanqTq finEnqsq DipATqmanqTq finEnqsq DipATqmanqTq finEnqsq DipATqmanqTq bEnqkq wofq mOlqDivqsq plk h.wOkiDqmAge loTasq gOLi, mAle, 59002 divehirAwqje fOnu: 2310 333 )069( + fekqsq: 9420 333 )069( + wI-mewilq: vm.moc.lmb@ecnanif
forinq DipATqmanqTq forinq DipATqmanqTq forinq DipATqmanqTq forinq DipATqmanqTq forinq DipATqmanqTq bEnqkq wofq mOlqDivqsq plk bEnqkq wofq mOlqDivqsq bilqDinqg, 5 vana fanqgifilA 11, boDutakurufAnu magu, mAle, 49002 divehirAwqje fOnu: 6510 333 )069( + fekqsq: 4810 333 )069( + wI-mewilq: vm.moc.lmb@ngierof
hiwumanq risOsasq DipATqmanqTq hiwumanq risOsasq DipATqmanqTq hiwumanq risOsasq DipATqmanqTq hiwumanq risOsasq DipATqmanqTq hiwumanq risOsasq DipATqmanqTq bEnqkq wofq mOlqDivqsq plk bEnqkq wofq mOlqDivqsq bilqDinqg, 2 vana fanqgifilA 11, boDutakurufAnu magu, mAle, 49002 divehirAwqje fOnu:2210 333 )069( + fekqsq:3620 333 )069( + wI-mewilq:vm.moc.lmb@secruoser_namuh
winqformECanq TekqnolojI DipATqmanqTq winqformECanq TekqnolojI DipATqmanqTq winqformECanq TekqnolojI DipATqmanqTq winqformECanq TekqnolojI DipATqmanqTq winqformECanq TekqnolojI DipATqmanqTq bEnqkq wofq mOlqDivqsq plk bEnqkq wofq mOlqDivqsq bilqDinqg, 4 vana fanqgifilA 11, boDutakurufAnu magu, mAle, 49002 divehirAwqje fOnu: 0110 333 )069( + fekqsq: 5110 333 )069( + wI-mewilq: vm.moc.lmb@ti
winqsqpekqCanq DipATqmanqTq winqsqpekqCanq DipATqmanqTq winqsqpekqCanq DipATqmanqTq winqsqpekqCanq DipATqmanqTq winqsqpekqCanq DipATqmanqTq bEnqkq wofq mOlqDivqsq plk h.wOkiDqmAge loTasq gOLi, mAle, 59002 divehirAwqje fOnu: 1810 333 )069( + fekqsq: 9420 333 )069( + wI-mewilq: vm.moc.lmb@noitcepsni
lIgalq wefewAzq wenqDq DokiyumenqTECanq DipATqmanqTq lIgalq wefewAzq wenqDq DokiyumenqTECanq DipATqmanqTq lIgalq wefewAzq wenqDq DokiyumenqTECanq DipATqmanqTq lIgalq wefewAzq wenqDq DokiyumenqTECanq DipATqmanqTq lIgalq wefewAzq wenqDq DokiyumenqTECanq DipATqmanqTq bEnqkq wofq mOlqDivqsq plk bEnqkq wofq mOlqDivqsq bilqDinqg, 6 vana fanqgifilA 11, boDutakurufAnu magu, mAle, 49002, divehirAwqje fOnu: 4510 333 )069( + fekqsq: 5810 333 )069( + wI-mewilq: vm.moc.lmb@sriaffalagel
pabqlikq rilECanqsq wenqDq weDqminisqTqrECanq pabqlikq rilECanqsq wenqDq weDqminisqTqrECanq pabqlikq rilECanqsq wenqDq weDqminisqTqrECanq pabqlikq rilECanqsq wenqDq weDqminisqTqrECanq pabqlikq rilECanqsq wenqDq weDqminisqTqrECanq DipATqmanqTq DipATqmanqTq DipATqmanqTq DipATqmanqTq DipATqmanqTq bEnqkq wofq mOlqDivqsq plk bEnqkq wofq mOlqDivqsq bilqDinqg, 4 vana fanqgifilA 11, boDutakurufAnu magu, mAle, 49002, divehirAwqje fOnu:3310 333 )069( + fekqsq:5110 333 )069( + wI-mewilq: vm.moc.lmb@nimda
mawi wofIhuge DipATqmanqTqtawq mawi wofIhuge DipATqmanqTqtawq mawi wofIhuge DipATqmanqTqtawq mawi wofIhuge DipATqmanqTqtawq mawi wofIhuge DipATqmanqTqtawq
116
bEnqkuge gofitawq/woDiTarunq/ bEnqkuge gofitawq/woDiTarunq/ bEnqkuge gofitawq/woDiTarunq/ bEnqkuge gofitawq/woDiTarunq/ bEnqkuge gofitawq/woDiTarunq/
kunqfunIge sekqreTarI kunqfunIge sekqreTarI kunqfunIge sekqreTarI kunqfunIge sekqreTarI kunqfunIge sekqreTarI
bEnqkuge gofitawq bEnqkuge gofitawq bEnqkuge gofitawq bEnqkuge gofitawq bEnqkuge gofitawq
huLumIdU bqrAnqcq, s. watoLuhuLumAle bqrAnqcq, huLumAlehitadU bqrAnqcq, s. watoLunawifaru bqrAnqcq, L. watoLubAzAru bqrAnqcq, mAlekuLuduwqfuSI bqrAnqcq, hd. watoLuwungUfAru bqrAnqcq, r. watoLuwEdafuSI bqrAnqcq, b. watoLuvilimAle bqrAnqcq, vilingili, mAlevilingili bqrAnqcq, gw. watoLumewinq bqrAnqcq, mAlemulI bqrAnqcq, m. watoLumAlE winqTarnECanalq wewarpOTq bqrAnqcq, huLulemajIdI magu bqrAnqcq, mAlefonadU bqrAnqcq, l. watoLufuvawqmulaku bqrAnqcq, N. watoLudiwqdU bqrAnqcq, hw. watoLutinadU bqrAnqcq, gd. watoLuganq bqrAnqcq, s. watoLu
woDiTarunq woDiTarunq woDiTarunq woDiTarunq woDiTarunq
pqrawisq vOrTarhawusq kUparsqpI. wO. bokqsq 42102devanafanqgifilA 30 - 20wAge21, boDutakurufAnu magu, mAle,divehirAwqje
kunqfunIge sekqreTarI kunqfunIge sekqreTarI kunqfunIge sekqreTarI kunqfunIge sekqreTarI kunqfunIge sekqreTarI
misq serInq hO wowi kuwenq
bEnqkq wofq mOlqDivqsq plk - waharI ripOTq 5002
117
bEnqku ge gofitawq/ woDiTarunq/ kunqfunIge sekqreTarI
guLEne nanqbarutawq
maWulUmAtu
magusaduge bayAnq
waLuganDumenqge tasawqvuru
wusqwalitawq
sIniwar menEjqmanqTq TImu
DipATqmanqTq menEjarunq
bqrAnqcq menEjarunq
cewarmanqge bayAnq
DirekqTarunqge bODu
DirekqTarunqge ripOTq
woDiTarunq ge ripOTq
wAmqdanIge bayAnq
belenqsq CITq
wikuwiTIwaSq wawi badaluu
fawisA libunugotAwi hEdavigotuge bayAnq
mAlI bayAnqtakA guLE nOTqtawq
wingirEsi bawi
fihurisqtu fihurisqtu fihurisqtu fihurisqtu fihurisqtu
bEnqkq wofq mOlqDivqsq plk - waharI ripOTq 5002
116
115 - 114
113 - 112
111
110
109
108
107
106
105 - 104
103 - 102
101 - 85
84
83
82
81
80
79 - 60
59 - 2
118
i
bEnqkq wofq mOlqDivqsq plk - waharI ripOTq 5002
32 vana waharI wAnqmu jalqsAge nOTisqq 32 vana waharI wAnqmu jalqsAge nOTisqq 32 vana waharI wAnqmu jalqsAge nOTisqq 32 vana waharI wAnqmu jalqsAge nOTisqq 32 vana waharI wAnqmu jalqsAge nOTisqq
bEnqkqq wofq mOlqDivqsq plk ge hiwqsAdArunqge 32 vana waharI wAnqmu jalqsA 42 jUnq 6002 vA honihiru duvahuge rE03:8 gawi darubArugE doSimEnAmAlamugawi bEwqvumaSq vanI hamajehifaweve.
mi jalqsAge wejenqDA tirIgawi mi danqnavanIweve.
1-22 vana waharI wAnqmu jalqsAge yawumiwqyA fAsqkurunq.2-DirekqTarunqge ripOTAwi woDiTarunqge ripOTq huSaheLumAwi fAsqkurunq.3-bEnqkq wofq mOlqDivqsq plk ge 13 Disemqbar 5002 ge belenqsq CITAwi 13 Disemqqbar 5002 gawi
nimunu waharuge wAmqdanIge bayAnq huSaheLumAwii fAsqkurunq.4-5002 vana waharaSq hiwqsAdArunqnaSq bahAne fawidA kanDaweLunq.5-bEnqkq wofq mOlqDivqsq plk ge hinqgA gavAwiduge 14 vana mAwqdA gawivA gotaSq bEnqkq wofq mOlqDivqsq plk ge
DirekqTarunqge bODaSq sarukArunq Wawqyanq kurewqviDirekqTarunq jalqsAwaSq wenqgumAwi wAnqmu hiwqsAdArunq howqvavaA tinqDirekqTarunqwinqtiKAbukurunq.
6-woDiTarunq wawqyanq kurumAwi we mIhunqnaSq dEne wujUra kanDaweLunq.7-wituru kanqtawqtawq.
01 jumAdalq wUlA 7241 60 jUnq 6002
bODuge wenqgumA wewqgotaSqKAdimatukumq
serInq hO wowi kuwenqkunqfunIge sekqreTarI