ljj/0fkq - npl.bok.com.npljj/0fkq - npl.bok.com.np ... nfrs
TRANSCRIPT
sDkgL P]g, @)^#, cGt{ut ;+:yflkt / ;+rflnt P+j a}+s tyf ljQLo ;+:yf ;+DaGwL P]+g, @)&# cg';f/ ljQLo Joj;fo ug{ cg'dlt k|fKt
g]kfn /fi6« a}+s af6 æsÆ ju{sf] Ohfht k|fKt ;+:yf
a}+s ckm sf7df08" lnld6]8
g]kfn /fi6« a}+saf6 “s” ju{sf] Ohfhtkq k|fKt ;+:yf
sdnkf]v/L, sf7df08f}+, kmf]g g+=$$!$%$!, kmofS; g+=$$!*(()
URL: www.bok.com.np, Email: [email protected]
!) jif{ cjlw tyf jflif{s *=% k|ltzt Aofhb/ ePsf] “la cf] s] l8a]~r/ @)*^” sf]
ljj/0fkq
-lwtf]kq ;DaGwL P]g, @)^# sf] bkmf #) tyf sDkgL P]g, @)^# sf] bkmf @# cGtu{t k|sflzt_
bz jif{ cjlw tyf jflif{s *=% k|ltzt Jofhb/ ePsf] k|lt l8a]~r/ ?=!,)))÷— c+lst d"Nosf !^,)),))) lsQf l8a]~r/n] x'g cfpg] s'n ?=
! ca{ ^) s/f]8 dWo] ^ nfv $) xhf/ lsQf l8a]~r/ cyf{t s'n ?= ^$ s/f]8 C0fk"FhL /sd -%Ü cyf{t #@,))) lsQf ;fd'lxs nufgL sf]ifsf
nflu 5'§ofO{Psf] ;d]t_ ;j{;fwf/0f g]kfnLsf] nflu ;fj{hlgs lgisfzgaf6 laqmL ul/g] tyf ( nfv ^) xhf/ lsQf l8a]~r/n] x'g cfpg] s'n ?=
(^ s/f]8 C0fk"FhL /sd ljleGg JolQm jf ;+3 ;+:yfx?nfO{ JolQmut tj/ (Private Placement) af6 laqmL ul/g] .
b/vf:t ;fy k|lt l8a]~r/ ?=!)))/— sf] b/n] -zt k|ltzt_ e'QmfgL dfu ul/Psf] .
sDkgLsf] g]6jy{ tyf k|lt z]o/ cfDbfgLdf ePsf] jf:tljs tyf k|If]lkt k|ltkmn b]xfo adf]lhd /x]sf] 5 M
ljj/0f
jf:tljs k|If]lkt
074/075 075/076 076/077 077/078 078/079 079/080
k|lt z]o/ cfDbfgL ?= 19.46 23.53 17.09 18.92 19.20 18.46
k|lt z]o/ g]6jy{ ?= 176.25 173.21 167.14 164.62 166.42 160.31
;+lrt gfkmf÷gf]S;fg -?= xhf/df_ 852,730 1,374,922 977,696 1,265,506 1,335,398 1,378,555
nufgLdf x'g] hf]lvd ;DaGwL pb\3f]if0f M
lwtf]kqdf ul/g] nufgLdf hf]lvd x'g] ePsf]n] To:tf] hf]lvdsf] d"NofÍg ug]{ k|d'v bfloTj nufgLstf{ :jo+sf] x'g]5 / lwtf]kqsf] lgisfzg d"Non]
;"rLs/0f kZrft lwtf]kq ahf/df x'g] sf/f]af/ d"No ghgfpg] x'Fbf o; ljj/0fkqsf bkmf * df pNn]lvt hf]lvdx? ;d]tsf] cWoog u/]/ dfq
nufgL ;DaGwL lg0f{o lng ;'emfj ul/G5 . lgodg lgsfosf] hjfkmb]lxtf g/xg] pb\3f]if0f M
o; ljj/0f–kqdf pNn]lvt lwtf]kq ;fj{hlgs lgisfzgsf nflu tof/ ul/Psf] o; ljj/0fkqnfO{ lwtf]kq ;DaGwL sfg"g adf]lhd g]kfn lwtf]kq
af]8{n] :jLs[lt k|bfg u/]sf] 5 . o;/L af]8{n] ljj/0f–kqdf :jLs[lt k|bfg u/]sf] sf/0faf6 s;}n] klg g]kfn lwtf]kq af]8{, sDkgL /lhi6«f/sf]
sfof{no jf ;Dj4 cGo lgodg lgsfon] ljj/0f–kqdf pNn]lvt s'/fsf] ;Totf jf lgisfzgstf{ jf kl/of]hgfsf] cfly{s ;Ifdtfsf] af/]df s'g}
k|sf/sf] k|Tofe"\lt u/]sf] jf lhDd]jf/L lnPsf] dflgg] 5}g . o; a}+snfO{ ICRA Nepal Limited n] Moderate Credit Risk hgfpg] “[ICRANP -IR] BBB+” (pronounced as ICRA NP Issuer Rating Triple B Plus) u|]l8Ë ldlt
@)@)÷)!÷@( df k|bfg u/]sf] 5 . pQm qm]l86 /]l6Ë k|fKt ;+:yfnfO{ ;dodfg} ljQLo bfloTj k"/f ug]{ tyf dWod shf{ hf]lvd /xg] ;+:yfsf]
?kdf lnOG5 .
o; ljj/0fkq dfkm{t lgisfzg x'g] C0fkq a}+ssf] ;DklQ ;'/If0f g/fvL lgisfzg ul/Psf] c;'/lIft C0f (Unsecured Debt) ePsf] /
sy+sbflrt a}+s 6f6klN6Pdf cGo ;'/lIft ;fx" / lgIf]kstf{ eGbf kl5 dfq e'QmfgLdf k|fyldstf x'g] u/L lgisfzg ul/Psf] ;xfos C0f
(Subordinated Debt) ePsf] x'Fbf k|rlnt sfg"gn] k|bfg u/]sf] afx]s sDkgLsf] ;DklQdf C0fkqjfnfsf] s'g} lglb{i6 xs (Specific charge)
clwsf/ x'g] 5}g .
g]kfn lwtf]kq af]8{af6 ljj/0fkqdf :jLs[t ePsf] ldlt M@)&&÷)&÷@$
g]kfn /fi6« a+}sdf ljj/0fkq btf{ ePsf] ldlt M @)&&÷)&÷@&
sDkgL /lhi6«f/sf] sfof{nodf ljj/0fkq btf{ ePsf] ldlt M @)&&÷)*÷)$
lwtf]kq lgisfzg v'Nnf x'g] ldlt M @)&&÷)*÷@$
lgisfzg aGb x'g] ldlt -l56f]df_ M @)&&÷)*÷@* lgisfzg aGb x'g] ldlt -clGtd_M @)&&÷)(÷)*
g]kfn lwtf]kq af]8{af6 :jLs[t ljj/0fkq lgisfzg tyf laqmL k|jGws, lgisfzgstf{ sDkgLsf] ;fy} g]kfn lwtf]kq af]8{sf]
website : www.sebon.gov.np af6 ;d]t x]g{ ;lsg] 5 .
lwtf]kq lgisfzg tyf laqmL k|aGws M
glan OGe]i6d]G6 a+}ls+Ë lnld6]8
gS;fn, sf7df8f}+, g]kfn : kmf]g g+=— $$!!^)$ ˆofS; g+=— (&& –!–$$!)%%$
Email : [email protected], URL: www.nabilinvest.com.np
1
ljj/0f kqsf] d'vk[i7sf] leqL efudf pNn]v x'g'kg]{ s'/fx? M
!= ljj/0f–kqdf k|of]u ePsf k|fljlws tyf cGo zAbfjnLsf] kl/efiff M
s_ æljj/0fkqÆ eGgfn] lwtf]kq ;DaGwL P]g, @)^# sf] bkmf #) tyf sDkgL P]g, @)^# sf] bkmf @# cGtu{t k|sflzt
ljj/0fx? ePsf] k'l:tsfnfO{ ;Demg' kb{5 .
v_ ælwtf]kq lgisfzg tyf laqmL k|aGwsÆ eGgfn] glan OGe]i6d]G6 a}+lsË lnld6]8nfO{ ;Demg' kb{5 .
u_ æa}+sÆ eGgfn] lgisfzgstf{ sDkgL a}+s ckm sf7df08" lnld6]8nfO{ ;Demg' kb{5 .
3_ æ;+sng s]Gb|Æ eGgfn] ;fj{hlgs lgisfzgsf] nflu tof/ ul/Psf] ljj/0fkq / b/vf:t kmf/d k|fKt ug{ ;lsg] tyf
b/vf:t kmf/d ;fy /sd a'emfpg ;lsg] u/L tf]lsPsf ;+:yfx?nfO{{ ;Demg' kb{5 .
ª_ ælgisfzg a}+sÆ eGgfn] ;fj{hlgs lgisfzgaf6 ;+sng x'g cfPsf] /sdnfO{ hDdf ug{sf] nflu tf]lsPsf] jfl0fHo
a}+s tyf /fli6«o :t/sf] ljsf; a}+snfO{ ;Demg' kb{5 .
r_ ælgodg lgsfoÆ eGgfn] g]kfn lwtf]kq af]8{, sDkgL /lhi6«f/sf] sfof{no tyf g]kfn /fi6« a}+snfO{ ;Demg' kb{5 .
5_ æ;+:yfks, ;+rfns, k|d'v sfo{sf/L clws[t tyf Joj:yfkgÆ eGgfn] a}+s ckm sf7df08" lnld6]8sf] ;+:yfks,
;+rfns, sfo{sf/L k|d'v tyf Joj:yfkgnfO{ ;Demg' kb{5 .
h_ æaf]8{Æ eGgfn] lwtf]kq ;DaGwL P]g, @)^# sf] bkmf # adf]lhd :yfkgf ePsf] g]kfn lwtf]kq af]8{ ;Demg' kb{5 .
em_ æcfwf/e"t z]o/wgLÆ eGgfn] sDkgLsf] r'Qmf k"FhLsf] ! k|ltzt jf ;f]eGbf a9L z]o/ wf/0f u/]sf z]o/wgL eGg]
;D´g'kb{5 .
@= ljj/0fkq tyf b/vf:t kmf/fd k|fKt ug]{ / a'emfpg] :yfg M
l;=g+= ljj/0fkq k|fKt ug]{ :yfgsf] gfd / 7]ufgf
!= glan OGe]i6d]G6 a}+lsË lnld6]8, gS;fn, sf7df8f}+ / j]j;fO6 :www.nabilinvest.com.np @= a}+s ckm sf7df08" lnld6]8, sdnkf]v/L, sf7df8f}+ / j]j;fO6 : www.bok.com.np
b/vf:t kmf/d k|fKt ug]{ / a'emfpg] :yfg
;j{;fwf/0fsf] xsdf M
l;=g+= b/vf:t kmf/d k|fKt ug]{ / a'emfpg] :yfg
!= l;–cf:af (C-ASBA) ;]jfdf ;xefuL a}+s tyf ljQLo ;+:yfx? / ltgsf zfvf sfof{nox? .
JolQmut tj/ (Private Placement) sf] xsdf M
l8a]~r/ vl/bsf nflu b/vf:t kfOg], /sd hDdf ug]{ / cfj]bg a'emfpg] :yfgx?sf ;fy} l8a]~r/ vl/bsf] nflu tof/
ul/Psf] ljj/0fkq k|fKt ug{ jf x]g{ ;Sg] :yfgx? M
o; lgisfzg JolQmut tj/af6 klg ul/g] ePsf]n] a+}ssf laqmL k|jGwsn] a}+s;Fusf] ;xdltdf vl/bstf{x? Vff]hL u/L
cfkl; ;xdltdf ljt/0f ul/g] 5 .
2
! lwtf]kq lgisfzg tyf laqmL k|aGwssf] pb\3f]if0f M
xfdLnfO{ lgisfzgstf{ ;+ul7t ;+:yf tyf o;sf ;+:yfks÷;~rfnsx?n] pknAw u/fPsf] ljj/0f tyf hfgsf/Lx?sf]
cfwf/df o; a}+ssf] Joj:yfksLo, k|fljlws / cfly{s kIfsf] ljZn]if0ffTds cWoogaf6 xfdL ;Gt'i6 x'g'sf] ;fy}
ljj/0fkqdf n]lvPsf cfly{s ljj/0fx? / cGo hfgsf/L tYout, k"0f{ / ;xL b]lvPsf]n] nufgLstf{x?nfO{ nufgL
;DaGwL lg0f{o lng d2t k'Ug] s'/fk|lt ljZj:t eO{ xfdLn] of] ljj/0fkq :jLs[ltsf nflu g]kfn lwtf]kq af]8{df lwtf]kq
;DaGwL P]g / lwtf]kq btf{ tyf lgisfzg lgodfjnL, @)&# cg'?ksf] of]Uotf k'u]sf] k|lta4tfkq (Due Diligence
Certificate) k|:t't u/]sf 5f}+ .
@ ;+ul7t ;+:yfsf] pb3f]if0f M
s ;+rfnssf] lhDd]jf/L tyf hjfkmb]lxtf ;DaGwL pb\3f]if0f M
of] ljj/0fkq xfdLn] k'g/fjnf]sg u/L cg'df]bg u/]sf] x'gfn] o; ljj/0fkqdf pNn]v ul/Psf ljj/0f tyf
hfgsf/Lsf ;fy} lgisfzg tyf laqmL k|aGwsnfO{ lbPsf] ljQLo ljj/0f, cGo ljj/0f, hfgsf/L tyf
sfuhftx?sf] ;Totf / z'4tf k|lt / lwtf]kq btf{ tyf lgisfzg cg'dlt k|of]hgsf nflu g]kfn lwtf]kq af]8{df
k]z ul/Psf] ljj/0fkq / ;f];Fu ;DalGwt cGo ljj/0f tyf hfgsf/Lsf] z'4tf tyf ;Totfk|lt o; ljj/0fkqdf
x:tfIf/ ug]{ xfdL ;+rfnsx? JolQmut jf ;fd"lxs ?kdf hjfkmb]lxtf jxg ub{5f}+ / lwtf]kq lgisfzgsf nflu
tf]lsPsf zt{ tyf cfjZostfx?sf] ;DaGwdf cfjZos hfgsf/L lnO{ xfdL of] pb\3f]if0f ub{5f}+ ls tf]lsPsf zt{
tyf cfjZostfx? ;a} kfngf u/]sf 5'÷5f}+ / nufgLstf{x?nfO{ nufgL ;DaGwL ;';"lrt lg0f{o lng cfjZos
s'g} ljj/0f, ;"rgf tyf hfgsf/Lx? n'sfPsf 5}gf}+ .
v ;+ul7t ;+:yfsf] hjfkmb]lxtf ;DaGwL pb\3f]if0f M
o; a}+sn] k|sflzt u/]sf] ljj/0fkq, ;fj{hlgs k|:tfj, lj1fkg jf cGo s'g} ;"rgfdf pNn]v ePsf ljj/0f
afx]s sDkgLaf/]df k|sflzt cGo s'g} ;"rgf jf hfgsf/Lsf] hjfkmb]lxtf sDkgLdf g/xg] / To:tf] ;"rgf,
hfgsf/L jf ljj/0fsf] cfwf/df nufgL u/]df ;f] sf] hf]lvd nufgLstf{ :jo+n] jxg ug'{kg]{5 .
u lgodg lgsfosf] lgodg Joj:yfsf] kfngf ;DaGwL pb\3f]if0f M
k|rlnt sfg"g cg';f/ cfˆgf] pBf]u÷Joj;fo÷;]jf;Fu ;DalGwt lgodg lgsfo -h:t} sDkgL /lhi6«f/sf]
sfof{no, g]kfn /fi6« a}+s cflb_ sf] ;fj{hlgs lgisfzg tyf cGo lgodg Joj:yf tyf lgb{]zgx?sf] kfngf
u/]sf] s'/fsf] pb\3f]if0f ub{5f}+ . ;fy} ;fj{hlgs lgisfzg k|of]hgsf] nflu tof/ ul/Psf] ljj/0fkq / ;f] df
pNn]lvt ;Demf}tf jf cGo ljj/0fx? g]kfn lwtf]kq af]8{, g]kfn :6s PS;r]~h lnld6]8df k]z u/]sf 5f}+ .
sDkgL /lhi6«f/sf] sfof{nodf sDkgL P]g @)^# adf]lhd k]z ug'{kg]{ cf=a= )&^÷)&& ;Ddsf ljj/0fx? k]z
u/]sf] x'gfn] ;f] cf=a= ;Dd a}+s cBfjlws /x]sf] 5 .
3 ;+:yfks, ;+rfns tyf sfo{sf/L k|d'v ;DaGwL pb3f]if0f M
-s_ o; a}+ssf ;~rfns jf sfo{sf/L k|d'v shf{ ;"rgf s]Gb|sf] sfnf] ;"rLdf /x]sf 5}gg\ .
-v_ o; a}+ssf;~rfns jf sfo{sf/L k|d'v sfnf] ;"rLdf /x]sf] cGo ;+ul7t ;+:yfdf ;~rfns jf sfo{sf/L
k|d'v /x]sf 5}gg\ .
-u_ ;fj{hlgs lgisfzg dfkm{t ;j{;fwf/0faf6 k"FhL ;+sng u/L a]kQf ePsf jf ;+rfngdf g/x]sf jf
nufgLstf{x?sf] lxt ljk/Lt x'g] sfo{ u/]sf] ;+ul7t ;+:yfsf] ;~rfns jf sfo{sf/L k|d'v a}+ssf] ;~rfns
jf sfo{sf/L k|d'v 5}gg\ .
-3_ lwtf]kq ;DaGwL sfg"g ljk/Lt sfo{ u/]sf] sf/0f lwtf]kq ahf/ jf lwtf]kq Joj;foLsf] cg'dltkq vf/]h
ePsf] bz jif{ k"/f gePsf] ;+ul7t ;+:yfsf] ;~rfns jf sfo{sf/L k|d'v o; a}+ssf]] ;~rfns jf sfo{sf/L
k|d'v 5}gg\ .
-ª_ o; a}+ssf ;~rfns jf sfo{sf/L k|d'v lwtf]kq ;DaGwL P]gsf] bkmf !)* adf]lhd ;~rfns jf sfo{sf/L
k|d'v x'g cof]Uo /x]sf 5}gg\ .
3
# ;+ul7t ;+:yf ;DaGwL hfgsf/L M
s= ;+ul7t ;+:yfsf] k[i7e"ld M
-c_ ;+:yfsf] gfd M a}+s ckm sf7df08" lnld6]8 ( Bank Of Kathmandu Limited)
-cf_ ;+:yf s'g P]g cGtu{t :yflkt ePsf] ;f] s'/f M
sDkgL P]g adf]lhd g]kfn ;/sf/, sDkgL /lhi6«f/sf] sfof{nodf klAns lnld6]8 sDkgLsf] ?kdf btf{ ePsf] xf]
. o; a}+sn] tTsflng a}+s ckm sf7df08" lnld6]8 tyf n'lDagL a}+s lnld6]8 Ps cfk;df ufleO{ a}+s tyf ljQLo
;+:yf ;DaGwL P]g, @)&# cg';f/ @)&#÷)#÷@$ ut] g]kfn /fi6« a}+saf6 ljQLo sf/f]jf/ ug{ :jLs[lt k|fKt u/L
æsÆ ju{sf] ljQLo ;+:Yffsf] x}l;otn] a}+lsË sf/f]jf/ ;~rfng ub}{ cfPsf] 5 .
-O_ ;+:yfsf] /lhi68{ 7]ufgf M
o; a}+ssf] /lhi68{ sfof{no sdnkf]v/L, sf7df08f}+df /x]sf] 5 .
-O{_ sf/f]jf/ ug]{ d'Vo :yfg M
o; a}+ssf] k|wfg sfof{no sf7df08f}+ lhNnf, sf7df8f}+ dxfgu/kflnsf sdnkf]v/Ldf /x]sf] 5 / cfjZostf
cg';f/ g]kfn /fi6« a}+ssf] :jLs[lt lnO{ a}+sn] cfˆgf zfvf, pkzfvf jf cGo sfof{no dfkm{t\ g]kfn e/ sf/f]jf/
ug{ ;Sg]5 . o; a}+sn] g]kfn /fi6« a}+sn] :jLs[t u/] cg';f/ g]kfn leq *( zfvfx?af6 cfˆgf] sf/f]jf/
;~rfng ub}{ cfPsf] 5 .
qm=;+= zfvfsf] gfd / k|b]z qm=;+= zfvfsf] gfd / k|b]z
1 la/f6rf]s zfvf, k|b]z ! 46 gofF afg]Zj/ zfvf, k|b]z #
2 la/f6gu/ zfvf, k|b]z ! 47 kgf}tL zfvf, k|b]z #
3 ljtf{df]8 zfvf, k|b]z ! 48 ;fFv' zfvf, k|b]z #
4 a'waf/] zfvf, k|b]z ! 49 eQmk'/ zfvf, k|b]z #
5 w/fg zfvf, k|b]z ! 50 7d]n zfvf, k|b]z #
6 lbSt]n zfvf, k|b]z ! 51 Hffjnfv]n zfvf, k|b]z #
7 O6x/L zfvf, k|b]z ! 52 Odf8f]n zfvf, k|b]z #
8 vfFbaf/L zfvf, k|b]z ! 53 lqk'/]Zj/ zfvf, k|b]z #
9 pnf{af/L zfvf, k|b]z ! 54 Tfftf]kfgL zfvf, k|b]z #
10 cDn]vu~h zfvf, k|b]z @ 55 ;'o{ljgfos zfvf, k|b]z #
11 jL/u~h zfvf, k|b]z @ 56 Jffg]Zj/ Pn zfvf, k|b]z #
12 l5Ggd:tf zfvf, k|b]z @ 57 afUn'ª zfvf, u08sL k|b]z
13 Ufl9dfO{ zfvf, k|b]z @ 58 a]gL zfvf, u08sL k|b]z
14 uf}/ zfvf, k|b]z @ 59 bdf}nL zfvf, u08sL k|b]z
15 hgsk'/ zfvf, k|b]z @ 60 v}/]gL6f/ zfvf, u08sL k|b]z
16 sflnsfdfO{ zfvf, k|b]z @ 61 kf]v/f zfvf, u08sL k|b]z
17 nxfg zfvf, k|b]z @ 62 ;'Gb/ahf/ zfvf, u08sL k|b]z
18 ldr}{of zfvf, k|b]z @ 63 ab{3fb zfvf, k|b]z %
19 lghu9 zfvf, k|b]z @ 64 e}/xjf zfvf, k|b]z %
20 uN5L zfvf, k|b]z # 65 a'6jn zfvf, k|b]z %
21 x]6f+}8f zfvf, k|b]z # 66 b]jbx zfvf, k|b]z %
22 OGb|;/f]j/ zfvf, k|b]z # 67 O:df zfvf, k|b]z %
4
23 vFlgofaf; zfvf, k|b]z # 68 Dfflnsf zfvf, k|b]z %
24 n+s' zfvf, k|b]z # 69 k/f;L zfvf, k|b]z %
25 Gff/fo0fu9 zfvf, k|b]z # 70 ;GwLvs{ zfvf, k|b]z %
26 k;f{ zfvf, k|b]z # 71 tD3f; zfvf, k|b]z %
27 k|ultky zfvf, k|b]z # 72 Effn'jfª zfvf, k|b]z %
28 /fS;L/fª zfvf, k|b]z # 73 lah'jf/ zfvf, k|b]z %
29 tLgkf6g zfvf, k|b]z # 74 3f]/fxL zfvf, k|b]z %
30 cgfdgu/ zfvf, k|b]z # 75 u'n]l/of zfvf, k|b]z %
31 1fg]Zj/ zfvf, k|b]z # 76 sf]xnk'/ zfvf, k|b]z %
32 OGb|rf]s zfvf, k|b]z # 77 g]kfnu~h zfvf, k|b]z %
33 sdnkf]v/L zfvf, k|b]z # 78 /fhfk'/ zfvf, k|b]z %
34 Go"/f]8 zfvf, k|b]z # 79 t'N;Lk'/ zfvf, k|b]z %
35 k"/fgf] zfvf, k|b]z # 80 b}n]v zfvf, s0f{fnL k|b]z
36 6Ld'/] zfvf, k|b]z # 81 h'Dnf zfvf, s0f{fnL k|b]z
37 Affnfh' zfvf, k|b]z # 82 kt/f;L zfvf, s0f{fnL k|b]z
38 aNv' zfvf, k|b]z # 83 ;'v]{t zfvf, s0f{fnL k|b]z
39 ag]kf zfvf, k|b]z # 84 cQ/Lof zfvf, ;'b'/klZrd k|b]z
40 rfalxn zfvf, k|b]z # 85 a]nf}/L zfvf, ;'b'/klZrd k|b]z
41 Uff]+ua' zfvf, k|b]z # 86 88]nw'/f zfvf, ;'b'/klZrd k|b]z
42 O6f5]+ zfvf, k|b]z # 87 wgu9L zfvf, ;'b'/klZrd k|b]z
43 sn+sL zfvf, k|b]z # 88 nDsL zfvf, ;'b'/klZrd k|b]z
44 dxf/fhu~h zfvf, k|b]z # 89 l6sfk'/ zfvf, ;'b'/klZrd k|b]z
45 gS;fn zfvf, k|b]z #
o; a}+sn] cfkm\gf *( zfvf, *) Pl6Pd tyf !) j6f PS;6]G;g sfpG6/ sfof{nox?af6 a}lsË ;]jf lbO/x]sf] 5 .
-p_ ;+ul7t ;+:yfsf] :yfkgfsfnb]lv xfn;Ddsf] ;+lIfKt Oltxf; / ;+ul7t ;+:yfsf] d'Vo p2]Zox?
sDkgL P]g adf]lhd g]kfn ;/sf/, sDkgL /lhi6«f/sf] sfof{nodf klAns lnld6]8 sDkgLsf] ?kdf btf{ ePsf] xf]
. tTsflng a}+s ckm sf7df08" lnld6]8 tyf n'lDagL a}+s lnld6]8 Ps cfk;df ufleO{ a}+s tyf ljQLo ;+:yf
;DaGwL P]g, @)&# cg';f/ @)&#÷)#÷@$ ut] g]kfn /fi6« a}+saf6 ljQLo sf/f]jf/ ug{ :jLs[lt k|fKt u/L æsÆ
ju{sf] ljQLo ;+:Yffsf] x}l;otn] a}+lsË sf/f]jf/ ;~rfng ub}{ cfPsf] 5 . a}+s ckm sf7df08" lnld6]8 sDkgL P]g
adf]lhd g]kfn ;/sf/, sDkgL /lhi6«f/sf] sfof{nodf ldlt @)%)÷)*÷#) ut] klAns lnld6]8 sDkgLsf] ?kdf
btf{ eO{ g]kfn /fi6« a}+saf6 ldlt @)%!÷!!÷@^ ut] l:js[tL k|fKt u/L ldlt @)%!÷!!÷@* ut] b]lv a}+lsË
sf/f]jf/ k|f/De u/]sf] ;+:yf xf] eg] tTsflng n'lDagL a}+s lnld6]8 sDkgL P]g adf]lhd g]kfn ;/sf/, sDkgL
/lhi6«f/sf] sfof{nodf ldlt @)%$÷)#÷@^ ut] klAns lnld6]8 sDkgLsf] ?kdf btf{ eO{ / ldlt
@)%%÷)$÷)! ut] b]lv a}+lsË sf/f]jf/ k|f/De u/]sf] ;+:yf xf] .
o; a}+sn] ljut % jif{df ljt/0f u/]sf] nfef+zsf] ljj/0f b]xfo adf]lhd /x]sf] 5 .
qm=;+= cfly{s jif{ af]g; z]o/ gub nf+efz
1 2072/73 23% - 2 2073/74 13.25% - 3 2074/75 14% 11%
5
4 2075/76 6% 11% 5 2076/77 13% 3%
ljQLo kl/;"rs
qm=;+= ljj/0f @)&$÷&% @)&%÷&^ @)&^÷&&
1 k|lt z]o/ cfDbfgL ?= 19.46 23.53 17.09
2 k|lt z]o/ g]6jy{ ?= 176.25 173.21 167.14
3 Return on Equity 10.60 13.58 10.22
4 Return on Assets 1.45 1.88 1.33
5 Price Earning Ratio 13.62 10.84 12.81
6 clgjfo{ df}Hbft cg'kft (CRR) % 7.30 6.92 11.39
7 a}wflgs t/ntf cg'kft (SLR) % 25.69 23.24 28.99
a}+ssf] k|aGwkqdf pNn]v ul/P adf]lhd g]kfn /fi6« a}+s P]g @)%*, k|rlnt a}+s tyf ljQLo ;+:yf ;DaGwL
sfg"g, k|rlnt sDkgL sfg"g tyf cGo k|rlnt sfg"gsf] clwgdf /xL a}+lsË tyf ljQLo sf/f]jf/ ug]{ o; a}+ssf]
d'Vo p2]Zox? b]xfo adf]lhd /x]sf 5g\ M
!= a}+ssf lgIf]kstf{ tyf z]o/wgLsf] xslxtsf] ;+/If0f / ;Dj4{g ub}{ ;j{;fwf/0fnfO{ u'0f:t/Lo tyf e/kbf]{
a}lsË ;]jf pknAw u/fpg] .
@= s[lif, pBf]u, ;]jf, Jofkf/ tyf cGo Jofj;flos ?kn] ;DefJo b]lvPsf pTkfbgzLn Joj;fosf] :yfkgf,
ljsf;, lj:tf/ / Ifdtf Pjd\ pTkfbsTj j[l4sf nflu cfjZos ljQLo ;fwg cfGtl/s tyf afXo ;|f]taf6
h'6fO{ b]zsf] cf}Bf]lus, Jofkfl/s Pj+ s[lif If]qsf] ljsf;df ultzLntf Nofpg ;xof]u k'¥ofpg] .
#= pknAw zLk, >d tyf k"FhLnfO{ plrt kl/rfng u/L u|fdL0f tyf zx/L If]qdf pTkfbg Pjd\ /f]huf/L d"ns
Joj;fosf] :yfkgf, ;~rfng, ljsf;, lj:tf/ Pjd\ k|j4|{g ug]{ sfo{sf] nflu cfjZos ljQLo ;fwg, k|fljlws
tyf Joj:yfksLo k/fdz{ ;]jf, tflnd tyf k|ljlw pknAw u/fO{ u/LaL lgjf/0fsf nflu ;lqmo ?kdf ;+nUg
eO{ ;xof]u k'¥ofpg] .
$= d'n'sdf 5l/P/ /x]sf] k"FhLnfO{ PsLs[t u/L ;+:yfut nufgL tyf :j:y k|lt:kwf{sf] dfWodaf6 ljQLo
dWo:ytfsf] ;]jf pknAw u/fpg] .
-pm_ ;+ul7t ;++:yfsf] s'g} ;xfos sDkgL ePdf ;f] ;xfos sDkgLsf] gfd, Oltxf; / To;sf d'Vo p2]Zox?sf
;fy} To;df ePsf] nufgLsf] c+z -k|ltztdf_ M
a+}ssf] la=cf]=s]= Soflk6n dfs]{6 lnld6]8 gfds sDkgLdf ^^=^& k|ltzt nufgL /x]sf] 5 . la=cf]=s]= Soflk6n
dfs]{6 lnld6]8 k|rlnt sDkgL P]g, @)^# adf]lhd ldlt @)&@÷!@÷!( df g]kfn ;/sf/, sDkgL /lhi6«f/sf]
sfof{nodf btf{ ePsf] xf] . pQm Soflk6nnfO{ lwtf]kq P]g @)^# cGt{ut ldlt @)&#÷)*÷!( df sf/f]jf/ ug{
Ohfht k|fKt ePsf] xf] . ;fljssf] sf8df08" Soflk6nnfO{ a}+sn] k|flKt u/L la=cf]=s]= Soflk6n dfs]{6
lnld6]8sf] gfdaf6 ldlt @)&$÷)*÷!# b]lv ;~rfng ub}{ cfPsf] 5 .
la=cf]=s]= Soflk6n dfs]{6 lnld6]8n] g]kfn lwtf]kq af]8{af6 nufgL Joj:yfkg, z]o/ /lhi6«f/, z]o/ lgisfzg
tyf laqmL k|jGws, of]hgf Joj:yfks, ;+:yfut k/fdz{ / lwtf]kq k|Tofe"lt ;]jfx? k|bfg ug{ :jLs[lt k|fKt u/L
k|wfg sfof{no sdnfbL, sf7df8f}+df cfkm\gf] sf/f]af/ ;~rfng ub}{ cfPsf] 5 .
-P_ cGo ljj/0fx?M
-!_ ;+ul7t ;++:yfn] pTkfbg ug]{ j:t' jf k|bfg ug]{ ;]jfx? M
a}+sn] k|bfg ug]{ d'Vo ;]jfx?df lgIf]k ;+sng, shf{ k|jfx / cGo a}+lsË ;]jf ;'ljwfx? h:t}M /sdfGt/,
/]]ld6\ofG;, P=l6=Pd= cflb kb{5g .
-@_ k|of]u ePsf] jf ul/g] k|ljlw M
6
a}+s ;]jf k|bfos sDkgL ePsf]n] dfly v08 ! df pNn]lvt ;]jf k|bfg ug{sf] lGfldQ cfjZos k|ljlwx?
k|of]u ul/Psf] 5 .
-#_ s'g} a|fG8g]d, k|ltlnlk clwsf/, 6«]8dfs{, Ohfhtkq, k|fljlws ;xof]u ;Demf}tf / ;+ul7t ;++:yf;Fu
;DalGwt af}l4s ;DklQ xs clwsf/ M
;f] gePsf] .
-$_ ;+ul7t ;++:yfn] cf]u6]sf] ahf/ If]q M
g]kfn e/L ljleGg zfvf, pkzfvf jf cGo sfof{no cjl:yt If]qx?af6 a}+sn] cfkmgf] ;]jf k|bfg tyf
ljQLo sf/f]af/ ul//x]sf] 5 . @)&& cfiff9 d;fGt;Ddsf] tYofÍ cg';f/ jfl0fHo a}+sx?sf] s"n lgIf]ksf]
@=^&Ü lx:;f o; a}+ssf] /x]sf] 5 . ;fy} shf{ tyf ;fk6 cGtu{t @)&& cfiff9 d;fGt;Dd o; a}+sn]
s"n ahf/sf] @=*)Ü lx:;f cf]u6]sf] 5 .
-%_ gofF pTkfbg tyf ;]jf ;DaGwL of]hgf M
a}+sn] cfˆgf] ljBdfg ;]jfx?df ahf/sf] rfxgf cg'?k lg/Gt/ ?kdf plrt ?kdf kl/dfh{g ug]{ ub{5 .
o; a}+s g]kfnL a}+lsË If]qsf] Ps cu|0fL afl0fHo a}+s ePsf] gftfn] cfjZostf cg';f/ ahf/ ;'xfpFbf
gofF ;]jfx? k|of]udf Nofpg ;Sg] Ifdtf /fVb5 . ;do ;fk]If gofF pTkfbg tyf ljQLo ;]jfsf] ljsf;
u/L ;DefJo u|fxsx?sf] klxrfg u/]/ cfˆgf] Jofkf/ lj:tf/ ug]{ of]hgf /x]sf] 5 .
-^_ pTkfbg tyf ;]jfsf] k|d'v ahf/ / To;sf] dfu / laqmL ljt/0fsf] tl/sf M
a}+ssf] k|d'v ahf/ g]kfn /fHoe/ /x]sf] 5 / x/]s ju{sf u|fxssf] cfjZostf cg'?k ;]jfx? pknAw
u/fpb} n}hfg] a}+ssf] nIo /x]sf] 5 .
-&_ pTkfbg÷;+rfng Ifdtf / ;f]sf] pkef]u l:ylt M
a}+s ;+rfngsf] nflu cfjZos kg]{ hgzlQm, k|ljlw tyf cGo >f]tx? ljBdfg /x]sf 5g\ . a}+sn] cfˆgf]
cfjZostf adf]lhd hgzlQm, k|ljlw tyf cGo >f]tx? kl/rfng ub}{ hfg] 5 .
-*_ sRrf kbfy{sf] >f]t, lsl;d / pknAwtf M
Nffu' gx'g] .
-(_ u'0f lgoGq0fsf] nflu ul/Psf] Joj:yf M
a}+s tyf ljQLo If]q, pBf]u, Jofkf/, Joj;fo OTofbL If]qdf nfdf] cg'ej xfl;n ug{' ePsf
;~rfns÷Joj:yfkg bIftfsf] cfwf/df uf|xsx?nfO{ u'0f:t/Lo ;]jf ;'ljwf tyf ;Gt'li6sf] nflu o; a}+s
tTk/ /x]sf] 5 .
-!)_ cg';Gwfg tyf ljsf; M
j:t' tyf ;]jfx? (Product & Services) / u|fxs cg'e"lt (Client Experience) sf] pTs'i6tfsf
nflu cfjZos cg';Gwfg tyf ljsf;sf] lg/Gt/ k|lqmof a}+sdf ljBdfg /x]sf] 5 .
-!!_ ljut !@ dlxgfsf] cjlwdf ;+:yfsf] ;+rfngdf c;/ kg]{ u/L ePsf] jfwf, Jojwfg M
;f] gePsf] .
-!@_ sd{rf/L ;+u7g;Fusf] ;DaGw / ljutdf s'g} cf}Bf]lus ljjfb ePsf] eP,;f] ;DaGwL ljj/0f M
a}+ssf] sf/f]af/df c;/ kg]{ u/L s'g} ljjfb gePsf] .
-!#_ ahf/, k|lt:kwf{ / cGo ;dfg pBf]ux? aLr ;+ul7t ;+:yfsf] l:ylt M
o; a+}s g]kfndf laut @^ jif{b]lv ;+rfngdf /x]sf] 5 . u|fxs s]lGb|t ;+:yfsf] ?kdf a+}sn] cfˆgf
AolStut, k|fylds, Aoj;flos, Aofkfl/s / skf]{/]6 tyf OG;l66\o':gn u|fxs ;d'xx?nfO{ cfjZos ;]jf
tyf ;'ljwfx? k|bfg ub}{ cfO{/xsf]] 5 . xfn @& j6f jfl0fHo a}+sx? lar o; a}ssf] @)&& cfiff9
d;fGt;Ddsf] ljj/0f b]xfo adf]lhd /x]sf] 5 M
qm=;+= ljj/0f ;du| ahf/df a}ssf] lx:;fc
! lgIf]k ;+sng @=^&
@ shf{ tyf ;fk6L @=*)
# v'b d'gfkmf @=&)
$ v'b Jofh cfDbfgL @=&*
% ;~rfng d'gfkmf @=&(
a}+sn] lgisfzg ug{ nfu]sf] C0fkqsf] Jofhb/ *=% k|ltzt /x]sf] / cjlw !) jif{ /x]sf]n] o;df
nufgL ug]{ nufgLstf{x?sf] nflu hf]lvd /lxt pRrtd k|ltkmn x'g] x'gfn] a}+sn] hf/L ug]{ nfu]sf]
C0fkqn] nfugLstf{nfO{ cfs{if0f ug{ ;Sg]5 .
-!$_ k|d'v u|fxsx?sf] ljj/0f -h:t}–;++:yfsf] s"n jflif{s sf/f]af/df !)Ü jf ;f] eGbf a9Ln] of]ubfg ug{]
jf Joj;fosf] nflu ;++:yf s'g} k|d'v u|fxs;Fu lge{/ 5 eg] tt\;DaGwL ljj/0f_ M
;f] gePsf] .
7
-!%_ k|d'v ;Knfo;{x?sf] ljj/0f -h:t}– ;+:yfsf] s"n sf/f]af/df !)Ü jf ;f] eGbf a9Ln] of]ubfg ug]{
;Knfo;{ jf Joj;fosf] nflu ;+ul7t ;+:yf s'g} k|d'v ;Knfo;{;Fu lge{/ 5 eg] tt\;DaGwL ljj/0f_ M
;f] gePsf] .
v= ;DklQsf] ljj/0f M
-c_ ;+ul7t ;+:yfsf] pks/0f -KnfG6_ tyf cGo ;DklQ /x]sf] :yfg M
sDkgLsf] cfiff9 #!, @)&& sf] ;DklQsf] ljj/0f tyf ;DklQ /x]sf] :yfg o; k|sf/ /x]sf] 5 .
? xhf/df
;DklQ cfiff9 d;fGt @)&&
1 gub tyf gub ;dfg 2,373,967 2 g]kfn /fi6« a}+sdf /x]sf] df}Hbft tyf lng' kg]{ jSof}tf 9,363,288 3 a}+s tyf ljQLo ;+:yfdf /x]sf] df}Hbft 2,361,195 4 8]l/e]l6e ljQLo pks/0f 67,297 5 cGo Jofkfl/s ;DklQx? 10,260 6 a}+s tyf ljQLo ;+:yfnfO{ lbPsf] shf{ tyf ;fk6L 3,519,473 7 u|fxsnfO{ lbPsf] shf{ tyf ;fk6L 75,881,609 8 lwtf]kqdf nufgL 14,170,255 9 rfn' cfos/ ;DklQ 147,682 10 ;xfos sDkgLdf nufgL 140,000 11 ;Da4 sDkgLdf nufgL - 12 ;DklQdf nufgL 24,658 13 ;DklQ tyf pks/0f 832,884 14 u'8jLn -VoftL_ / cd"t{ ;DklQ 16,696 15 :yug s/ ;DklQ - 16 cGo ;DklQ 646,636
s'n ;DklQ 109,555,900
pk/f]Qm ;Dklt o; a}+ssf] s]lGb|o sfof{no P+j zfvfx?df cjl:yt /x]sf] .
-cf_ a"Fbf -s_ df pNn]lvt ;DklQ ;+ul7t ;+:yfsf] cfkm\g} ;DklQ xf] of lnhdf lnPsf], lnhdf lnPsf] eP lnhsf]
cjlw -ldlt ;d]t pNn]v ug'{kg]{_ M
Dffly plNnlvt ;DklQx? cfkm\g} :jfldTjdf /x]sf] / lnhdf s'g} ;DklQ glnPsf] .
-O_ olb ;DklQ ;+ul7t ;+:yfsf] :jfldTjdf /x]sf] ePdf pQm ;DklQ dfly s'g} lnog jf df]6{u]h
eP ;f] ;DaGwL ljj/0f M
gePsf] .
-O{_ ljj/0fkq af]8{df k]z ul/Psf] ldltdf ;+ul7t ;+:yfsf] ;DklQsf] lstfjL d"No / ahf/ d"No aLr km/s ePdf
;f] sf] ljj/0f M
NFRS sf] Joj:yf cg';f/ o; a}+ssf] z]o/, Do'r'on kmG8df u/]sf] nufgL ahf/ d"Nodf d"Nof+sg ul/Psf] 5 /
cGo ;DklQsf] k'gd{"Nof+sg ul/Psf] 5}g .
-p_ ;DklQsf] d"Nof+sg ul/Psf] tl/sf ;DaGwL ljj/0f M
nfu' gx'g] .
u= efjL of]hgf tyf /0fgLlt M
-c_ Joj;fo÷;]jfsf] a[l4sf nflu ;+:yfsf] efjL of]hgf / To:tf] of]hgfsf] k|flKtsf nflu rflng] ;doj4
/0fgLlt M
a+}sn] cfufdL jif{df Jofj;fo j[l4nfO{ cfˆgf] k|d'v /0fgLlt agfO{ lgDg adf]lhdsf sfo{s|dx?nfO{ k|fyldstfdf
/fv]sf] 5 .
lgIf]k tyf shf{sf laleGg gjLgtd a}lsª ;]jfx? k|rngdf Nofpg] .
8
a}+ssf] Jofj;fonfO{ a[l4 ub{} hfg] s|ddf nufgLsf gof+ cj;/x? vf]Hb} hfg] .
Zffvf ;+hfn tyf a}+ssf] ;]jfu|fxL ;+Vof a9f+pb} n}hfg] .
a}+sdf sfo{/t hgzlQmnfO{ c´ a9L bIf agfpg pko'St tflndx?sf] Aoj:yfkg ug{] .
;fgf tyf demf}nf Joj;foL;+u shf{ sf/f]jf/ a[l4 ub{} shf{sf] u'0f:t/df ;'wf/ ub{} n}hfg] .
u}/ Aofh cfDbfgLsf (Non interest Income) gofF ;|f]tx? klxrfg u/L a}+ssf] d'gfkmfdf a[l4 ub{}
n}hfg] .
a+}ssf] ;"rgf k|ljlwnfO{ ;dofg's"n ;'wf/ Pj la:tf/ u/L cfw'lgs ;]jf k|bfg ug{] .
a}+ssf] cfGtl/s lgoGq0f k|0ffnL tyf ;'zf;gnfO{ c´ a9L ;'b[9 ug{] .
;+:yfut ;fdflhs pQ/bfloTj cGtu{t laleGg sfo{s|dx? ;+rfng ug{] .
/0fgLltM
Joj;fo j[l¢ u/L cfDbfgLsf] >f]tx? a9fpg] .
ahf/sf] cj:yf cg'?k Jofhb/ ;dfof]hg ug]{ .
hgzlQm Joj:yfkgtkm{ Wofg lbO{ bIf hgzlQm lgo'Qm u/L sfod /fVg] .
;+rfng vr{sf] Joj:yfkg u/L cgfjZos vr{ s6f}tL ug]{ .
shf{ tyf nufgLsf] dfqfdf geO{ To;sf] u'0f:t/df Wofg lbg] .
gofF nufgL of]Uo If]qx?sf] vf]hL .
hf]lvd Joj:yfkgsf] nflu cfGtl/s lgoGq0f k|0ffnLsf] ;'b[9Ls/0f .
;+:yfut ;'zf;gsf] ;'b[9Ls/0f .
;]jfsf] u'0f:t/ tyf pTkfbsTj a[l¢ ug]{ .
Core Banking System cfw'lgsL/0f .
k|ljlwdf cfwfl/t Banking Product x? k|bfg ug]{ .
-cf_ k|lt:kwf{, ljBdfg cfly{s l:ylt / ;dfg lsl;dsf] pBf]usf] l:yltsf] cfwf/df ;+ul7t ;+:yfsf] Joj;fosf]
eljio M
b]zsf] a}+lsË If]]qdf xfn cToflws k|lt:kwf{ /x]sf] 5 . g]kfn /fi6« a+}ssf] lgb]{zgfg';f/ a+}ssf] r'Qmf kF"hL ?= *
ca{ k'¥ofpg' kg]{ Joj:yf adf]lhd a+}lsË If]qdf cfPsf] kl/jt{g, lgIf]ksf] t/ntf tyf a+}snfO{ cfˆgf] kF"hLdf
k|ltkmn sfod /fVg] r'gf}tL h:tf sf/0fx?n] a+}sx? aLr k|lt:kwf{ cem a9]sf] 5 . o; sDkgLn] cfˆgf]
pNn]Vo If]]q cf]u6\g cfˆgf] bL3{sfnLg /0fgLlt nfu" u/L ;f]xL adf]lhd sfo{ ub}{ cl3 a9]sf] 5 . ;f]xL /0fgLlt
adf]lhd a+}sn] xfn pNn]Vo ?kdf zfvf tyf P6LPd lj:tf/ ug]{, JolQmut / ;fgf tyf demf}nf shf{df j[l4 /
rNtL tyf jrt lgIf]kdf j[l4 ub}}{ nu]sf] 5 . ;fy}, u|fxssf] ;Gt'li6 tyf cg'ejsf] cfwf/df pRr d"NofÍg
ub}{ ;do ;fk]If ?kdf a+}ssf] sfo{ gLlt kl/jt{g tyf kl/dfh{g ub}{ u|fxssf] klxnf] /f]hfO{sf] a+}s aGg] tyf
;f]sf nflu cfjZos a+}ssf] cfGtl/s sfo{ k|0ffnLnfO{ yk ;/n tyf r':t agfpg] gLlt cjnDag u/]sf] 5 .
a+}sn] lg/Gt/ ?kdf sd{rf/Lsf] sfo{ Ifdtf clej[l4sf nflu cfˆgf sd{rf/Lx?nfO{ ljleGg tflnd k|bfg ub}}{
cfPsf] 5 . a+}sn] cjnDag u/]sf] oxL bL3{sfnLg /0fgLltsf sf/0f a+}snfO{ /0fgLlts kmfObf k|fKt ePsf] 5 /
bL3{sfnLg ?kdf a+}ssf] ljQLo cj:yf tyf d'gfkmf l:y/ /fVgdf 7"nf] 6]jf k'Ug] ljZjf; lnPsf 5f+} . a+}s
cfˆgf] cfGtl/s sfo{ k|0ffnL tyf lgoGq0f k|0ffnLnfO{ yk r':t kfb}{ cfˆgf] nufgLdf /x]sf] hf]lvdx? sd ug{
;Ifd /x]sf] 5 / eljiodf ljQLo If]qdf Ps leGg :yfg cf]u6\g] s'/fdf b[9 /x]sf] 5 .
ljut aif{x?sf] t'ngfdf a}+lsË If]]qdf w]/} k|lt:kwf{ a9]sf] 5 . ljut # aif{df ;du| a+}sx?sf] lgI]fkdf cf}ift
!*=!^ k|ltztn] a9]sf] 5 . To:t} shf{df cf}ift !*=#* k|ltztn] a9]sf] 5 .
qm=;+= ljj/0f lx:;f cfiff9 d;fGt @)&&
! lgIf]k ;+sng @=^&
@ shf{ tyf ;fk6L @=*)
# v'b d'gfkmf @=&)
$ v'b Jofh cfDbfgL @=&*
% ;~rfng d'gfkmf @=&(
9
3= ;+rfns ;ldltsf] ;+/rgf / k|ltlglwTj ;DaGwL Joj:yf M
o; ;+:yfsf] lgodfjnLsf] lgod * df ePsf] Joj:yf cg';f/ & -;ft_ hgf ;~rfns /x]sf] Ps ;~rfns
;ldlt b]xfoadf]lhd /x]sf] 5 .
“s” ;d"xdf /x]sf ;+:yfks ;d"xaf6 dgf]lgt÷lgjf{lrt # -ltg_ hgf
;d"x “v” cGtu{tsf ;j{;fwf/0f z]o/wgLx?af6 lgjf{lrt # -ltg_ hgf
:jtGq Joj;flos ljz]if1 ;~rfns ! -Ps_ hgf
hDdf & -;ft_ hgf
;~rfnsx?sf] sfo{sfn $ -rf/_ jif{sf] x'g]5 .
o; a}}}+ssf] ;~rfns kbdf lgo'Qm x'gsf] nflu s'g} klg z]o/wgLn] cfˆgf] gfddf sDtLdf !)) -Ps ;o_ lsQf
z]o/ lnPsf] x'g'kg]{5 . t/ :jtGq Joj;flos ljz]if1 ;~rfns / ;+ul7t ;+:yfsf] k|ltlglwTj ug]{ ;~rfnssf]
xsdf of] Joj:yf nfu' x'g] 5}g .
$= k"FhL ;+/rgf ;DaGwL hfgsf/L M
-s_ clws[t, hf/L tyf r'Qmf k"FhL / ;++:yfsf] :yfkgf kZrft ;f]df kl/jt{g ePsf] eP tt\ ;DaGwL ljj/0f M
clws[t k"FhL M a}+ssf] clws[t k"FhL ?=!),))),))),)))÷— -cIf/]kL bz ca{ ?k}of dfq_ /x]sf] 5 . h;nfO{
k|lt z]o/ ?= !))÷— clÍt d"Nosf !)),))),))) -bz s/f]8_ lsQf ;fwf/0f z]o/x?df ljefhg ul/Psf] 5
.
hf/L k"FhL M a}+ssf] hf/L k"FhL ?= 8,54,68,87,400÷— -cIf/]kL cf7 ca{ rpGg s/f]8 c7;ÝL nfv ;tf;L
xhf/ rf/ ;o dfq_ /x]sf] 5 . h;nfO{ k|lt z]o/ ?= !))÷— clÍt d"Nosf 8,54,68,874 lsQf ;fwf/0f
z]o/df ljefhg ul/Psf] 5 .
r'Qmf k"FhL M xfn a}+ssf] r'Qmf k"FhL ?= 8,54,68,87,400÷— -cIf/]kL cf7 ca{ rpGg s/f]8 c7;ÝL nfv
;tf;L xhf/ rf/ ;o dfq_ /x]sf] 5 . h;nfO{ k|lt z]o/ ?= !))÷— clÍt d"Nosf 8,54,68,874 lsQf
;fwf/0f z]o/df ljefhg ul/Psf] 5 .
a}+ssf] :yfkgf kZrft k"FhLdf ePsf] kl/jt{g ;DaGwL ljj/0f
a}+s sf] k"FhL ljj/0f b]xfo adf]lhd /x]sf] 5 .
cfly{s jif{ clws[t k"FhL -?=_ hf/L k"FhL -?=_ r'Qmf k"FhL -?=_
2051/52 240,000,000 120,000,000 42,000,000
2052/53 240,000,000 180,000,000 67,500,000
2053/54 240,000,000 180,000,000 90,000,000
2054/55 240,000,000 180,000,000 90,000,000
2055/56 240,000,000 180,000,000 90,000,000
2056/57 240,000,000 180,000,000 173,625,000
2057/58 1,000,000,000 500,000,000 233,649,800
2058/59 1,000,000,000 500,000,000 463,580,900
2059/60 1,000,000,000 500,000,000 463,580,900
2060/61 1,000,000,000 500,000,000 463,580,900
2061/62 1,000,000,000 500,000,000 463,580,900
2062/63 1,000,000,000 500,000,000 463,580,900
2063/64 1,000,000,000 606,173,300 606,141,300
2064/65 1,000,000,000 606,173,300 606,141,300
2065/66 1,000,000,000 844,397,900 844,397,900
10
2066/67 2,000,000,000 1,359,480,700 1,359,480,700
2067/68 2,000,000,000 1,604,187,300 1,604,187,300
2068/69 2,000,000,000 1,684,396,700 1,684,396,700
2069/70 2,000,000,000 1,920,212,300 1,920,212,300
2070/71 3,000,000,000 2,120,212,300 2,120,212,300
2071/72 3,000,000,000 2,120,212,300 2,120,212,300
2072/73 6,000,000,000 4,576,891,000 4,576,891,000
2073/74 10,000,000,000 6,250,389,200 5,629,576,000
2074/75 10,000,000,000 7,072,896,000 7,072,895,908
2075/76 10,000,000,000 8,063,101,400 8,063,101,335
2076/77 10,000,000,000 8,546,887,400 8,546,887,400
-v_ lgisfzg kl5sf] r'Qmf k"FhL -;d"xs[[t ul/Psf] cj:yfdf ;f]xL cg'?k_ M
C0fkq lgisfzg k"j{ sDkgLsf] z]o/ k"FhLsf] ;+/rgf M
;d"x z]o/wgLx? z]o/ lsQf k"+hL ;+/rgf r'Qmf /sd -?=_ e'QmfgL k|ltzt
-s_ ;+:yfks 4,35,85,820 50.9961322 4,35,85,82,000 !)) Zftk|ltzt
-v_ ;j{;fwf/0f -sd{rf/Lx? ;d]t_ 4,18,83,054 49.0038678 4,18,83,05,400 !)) Zftk|ltzt
hDdf 8,54,68,874 100 8,54,68,87,400
C0fkq lgisfzg u/L afF8kmfF8 u/] kZrft sDkgLsf] z]o/ k"FhL / C0fkq k"FhLsf] ;+/rgf M
z]o/ kF"hL M
;d"x z]o/wgLx? z]o/ lsQf k"+hL ;+/rgf r'Qmf /sd -?=_ e'QmfgL k|ltzt
-s_ ;+:yfks 4,35,85,820 50.9961322 4,35,85,82,000 !)) Zftk|ltzt
-v_ ;j{;fwf/0f -sd{rf/Lx? ;d]t_ 4,18,83,054 49.0038678 4,18,83,05,400 !)) Zftk|ltzt
hDdf 8,54,68,874 100 8,54,68,87,400
C0fkq kF"hL M
ljj/0f r'Qmf /sd -?=_ e'QmfgL k|ltzt
?= !,))).— c+lst b/sf] ^,)),))) lsQf C0fkqx? a}s ckm sf7df08" j08,
@)&(
^),)),)),))) ztk|ltzt
?= !,))).— c+lst b/sf] !^,)),))) lsQf C0fkqx? lacf]s] l8a]~r/
@)*^*
!,^),)),)),))) –
*o; ljj/0fkq dfkm{t lgisfzg ug{ nfluPsf] C0fkq .
-u_ z]o/ lk|ldod vftf -lgisfzg k"j{ / lgisfzg kZrft_ M
;f] gePsf] .
%= ;+:yfks÷;+rfns ;DaGwL hfgsf/L M
s= ;+:yfks÷;+rfnssf] k[i7e"ld M
-c_ cfwf/e"t z]o/wgLx? tyf ;+rfnsx?sf] gfd, kb, pd]/, /fli6«otf, 7]ufgf, z]o/ :jfldTj, z}lIfs of]Uotf
/ Jofkf/÷Joj;fodf cg'ej M
cfwf/e't z]o/wgLx?sf] ljj/0f
qm=
;+= gfd kb pd]/ /fli6«otf 7]ufgf z]o/ :jfldTj
z}lIfs
of]Uotf cg'ej
!
>L sd{rf/L ;+ro
sf]if ;+:yfks — g]kfnL
k'Nrf]s,
nlntk'/ 1,27,04,323 —
;+rostf{sf]
sfd ug]{
11
@
>L d+un snz
O{Ge]i6d]06 k|f=
ln= ;+:yfks — g]kfnL
k'Nrf]s,
nlntk'/ 25,73,106 —
z]o/df
nufgL
#
>L /0f axfb'/
zfx ;+:yfks ** g]kfnL
nflhDkf6,
sf7df08f}+ 21,09,826 ;fdfGo
Jofkf/
Joj;fodf
;+nUg
$
>L gful/s
nufgL sf]if ;+:yfks — g]kfnL
afg]Zj/,
sf7df08f}+ 17,98,875 —
;+rostf{sf]
sfd ug]{
%
>L 8Da/ axfb'/
dNn ;+:yfks &$ g]kfnL
dxfb]j:yfg
#, sf7df08f} 17,05,512 lj=P=
Jofkf/
Joj;fodf
;+nUg
^ >LdtL /Ltf dNn ;+:yfks ^@ g]kfnL
dxfb]j:yfg
#, sf7df08f} 15,16,261 Pd= P= nufgLstf{
& >LdtL zf/bf l;+x ;+:yfks &$ g]kfnL
;fg]kf,
nlntk'/ 14,25,988 P;=Pn=;L= nufgLstf{
*
>LdtL d~h'
cu|jfn ;+:yfks $( g]kfnL
alQ;k'tnL,
sf7df08f}+ 11,34,076 lj=P= nufgLstf{
( >L /fw]z kGt ;+:yfks %% g]kfnL
sflnsf:yfg,
sf7df08f}+ 10,13,776 Pd=lj=P=÷lj=O{
Jofkf/ /
a}lsËsf]
cg'ej
!)
>L k|]d axfb'/
>]i7 ;+:yfks ** g]kfnL
emlD;v]n,
nlntk'/ 8,75,603 ;fdfGo
Jofkf/ /
Jofj;fodf
;+nUg
;+rfnsx?sf] ljj/0f M
qm=
;+= ;+rfnssf] gfd kb pd]/ /fli6«otf 7]ufgf z]o/ lsQf
z}lIfs
of]Uotf
cg'ej -;DalGwt
jf cGo_
! >L k|sfz >]i7
-k|ltlgwL– drfg jfON8
nfOkm l/;f]6{
k|f=ln=_
cWoIf ^& g]kfnL nflhDkf6,
sf7df08f}+
;+:yfksM
%,#@,$((
la=P= k|aGw lgb]{zs drfg
jfO{N8nfO{km l/;f6{
k|f=ln=, k"j{ ;+rfns
u|Lg nfO{g 6';{, k"j{
cWoIf n'lDagL a}+s
ln= k"j{ cWoIf xf]6n
;+3 g]kfn tyf k"j{
pkfWoIfF 6'l/hd af]8{ .
;j{;fwf/0fM
@,)&,)@*
@ >L /fw]z kGt ;+rfns %% g]kfnL sflnsf:yf
g,
sf7df08f}+
;+:yfksM
!),!#,&&^
Pd=lj=P=
÷lj=6]s
l;lgc/ DogflhË kf6{g/ le/s P08
sDkgL k'j{ k|d"v
sfo{sf/L clws[t
nufgL af8{, s'df/L
a}+s ln=, a}+s ckm
sf7df08' ln= /
;Nnfxsf/ tyf k'j{
cWoIf a}+s;{
Pzf]l;P;g ckm
g]kfn .
;j{;fwf/0fM
@!,#@!
# >L lht]Gb|
lwtfn
-k|ltlgwL– sd{rf/L ;~ro
sf]if_
;+rfns $! g]kfnL k]K;Lsf]nf,
sf7df08f}+
;+:yfksM
!,@&,)$,#@#
l;=P=÷Pd=
P;;L÷
Pd=P=÷Pn=
Pn=lj=
d'Vo clws[t sd{rf/L
;+ro sf]if, k"j{
;+rfns lxdfnog
a}+s ln=, /fli6«o ljdf
sDkgL, k|e' O{G:of]/]G;
s+DkgL ln=, k|d'v ljQ
ck/tfdfsf]zL tyf
ljleGg cl86
sDkgLx?sf] k|d'v .
$ >L uf]ljGb k|;fb
zdf{ /]UdL
;+rfns &@ g]kfnL cgfdgu/,
sf7df08f}+
;j{;fwf/0fM
!,)^%
lj=sd= sG;n6ofG6, k'j{
;x;lrj g]kfn
;/sf/ cy{dGqfno,
12
tyf a}lsË .
% k|f=8f= x]d/fh
;'j]bL
;+rfns ^% g]kfnL afnfh',
sf7df08f}+
;j{;fwf/0fM %&! ljwfjfl/lw k|Wofkg, k'j{ ;+rfns
P\gPnlh O{G:of]/]G;
sDkgL ln= tyf k'j{
SofDk; k|d"v ;/:jtL
ax"d""vL SofDk; tyf
a}lsË .
^ >L dbg nfn
hf]zL
;+rfns ^! g]kfnL s'k08f]n,
nlntk'/
;j{;fwf/0fM
^,!&!
lj=sd= k|aGw lgb]{zs kmlg{r/
Nof08 k|f= ln=, k'j{
;+rfns n'lDagL a}+s
ln=, k|f]kfO6/ lrtjg
;KnfO{ ;]G6/, k'j{
cWoIf pwf]u jfl0fHo
;+3 lrtjg tyf
Aofkf/ .
& >LdtL df]xgf
nf]xgL
;+rfns
÷:jtGq
%( g]kfnL Affg]Zj/,
sf7df08f}
— Pd=lj=P=÷
Pd=P=
-cy{zf:q_
k'j{ ;+rfns ;]Gr"/L
sd{l;on a}+ ln=,
sG;n6fG6 tyf
a}+lsËsf] sfo{ cg'ej
-cf_ ;+:yfksx? s'g} sDkgL÷;+:yf ePdf To:tf] sDkgL÷;+:yfsf] gfd tyf 7]ufgf ;lxtsf] ;+lIfKt ljj/0f /
pQm sDkgL÷;+:yfsf ;~rfnsx?sf] gfd, 7]ufgf -k|fs[lts JolQm gv'n];Dd_ M
o; a}+ssf] ;+:yfks sDkgL÷;+:yfsf] gfd tyf 7]ufgf tyf pQm sDkgL tyf ;+:yfsf ;+rfnsx?sf] gfd tyf
7]ufgf ;DaGwL ljj/0f b]xfo adf]lhd /x]sf] 5 .
qm=;+= ;+:yfks ;+:yfsf] ;+lIfKt ljj/0f, ;+rfnsx?sf] gfd / 7]ufgf kb
>L sd{rf/L ;~ro sf]if, xl/x/ ejg, nlntk'/M sd{rf/L ;+ro sf]if P]g, @)!( adf]lhd :yfkgf ePsf] sd{rf/L
;+ro sf]ifn] lgj[Qe/0f tyf cjsfz sf]ifsf] ;+rfng / Joj:yfkg ub}{ cfO{/x]sf] 5 .
! >L lzlz/ s'df/ 9'+ufgf, sf7df08f} cWoIf
@ 8f= lhjgs'df/ e§/fO{, sf7df08f} af]8{ ;b:o
# >L emSs k|;fb cfrfo{, sf7df08f} af]8{ ;b:o
$ >L z/b 9sfn, sf7df08f} af]8{ ;b:o
% >L dx]Gb| s'df/ kf]v/]n, sf7df08f} af]8{ ;b:o
^ >L ls/0f s'df/ >]i7, sf7df08f} af]8{ ;b:o
& t'n;L k|;fb uf}td, sf7df08f} k|zf;s÷af]8{ ;b:o
>L d+unsnz OGe]i6d]G6 k|f= ln= k'Nrf]s, nlntk'/M k|rlnt sfg"g adf]lhd sDkgL /lhi6«f/sf] sfof{nodf btf{
eO{ ljleGg sDkgLsf] z]o/x?df nufgL ub}{ cfO{/x]sf] 5 .
! >L ljgf]b s[i0f >]i7 , k'Nrf]s, nlntk'/ cWoIf
@ >L dx]Gb| s[i0f >]i7, k'Nrf]s, nlntk'/ k|aGw ;+rfns
# >L ljqmd s[i0f >]i7, k'Nrf]s, nlntk'/ ;+rfns
>L drfg jfON8 nfOkm l/;f]6{ k|f= ln=, nflhDkf6, sf7df08f|}+M k|rlnt sfg"g adf]lhd sDkgL /lhi6«f/sf]
sfof{nodf btf{ eO{ xf]6n tyf ko{6g Joj;fosf] sfd ub}{ cfO{/x]sf] 5 .
! >L k|sfz >]i7, nflhDkf6 sf7df08f} k|aGw lgb]{zs
@ >L ls/0f >]i7, nflhDkf6 sf7df08f} ;+rfns
>L gful/s nufgL sf]if, gofF afg]Zj/, sf7df08f}+ M gful/s nufgL sf]if P]g, @)$& adf]lhd :yfkgf ePsf]
gful/s nufgL sf]ifn] cjsfz sf]ifsf] ;+rng tyf Joj:yfkg ub}{ cfO/x]sf] .
! 8f= /fdrGb| e§/fO{, sf7df08f} cWoIf
@ >L o1 k|;fb 9'+u]n, sf7df08f} ;b:o
# 8f= /fd z/0f v/]n, sf7df08f} ;b:o
$ >L rGb| l;+x ;fpb, sf7df08f} ;b:o
% >L sdn]z s'df/ cu|jfn, sf7df08f} ;b:o
^ >L slj k|;fb kf7s, sf7df08f} ;b:o
& >L nIdL k|;fb kf}8]n, sf7df08f} ;b:o
13
* >L czf]s a'9fyf]sL, sf7df08f} ;b:o
( >L /dg g]kfn, sf7df08f} ;b:o÷sfo{sf/L lgb]{zs
>L ef6e6]gL ;'k/dfs]{6 P08 l8kf6{d]06n :6f];{ k|f= ln= ef6e6]gL, sf7df08f}+M k|rlnt sfg"g adf]lhd sDkgL
/lhi6«f/sf] sfof{nodf @)$) ;fndf btf{ eO{ ljleGg pkef]Uo ;fdfgx?sf] xf]n;]n tyf v'b|f Jofkf/ ub}{
cfO{/x]sf] 5 .
! >L ldg axfb'/ u'?Ë, ef6e6]gL sf7df08f} cWoIf
@ >L ;fljqL u'?Ë, ef6e6]gL sf7df08f} ;+rfns
>L g]kfn nfO{km OG:of]/]G; sDkgL ln= sdnfbL, sf7df08f}+ M OG:of]/]G; klAns sDkgL ljdf bnfn ;DaGwL sfo{
ub}{ cfO{/x]sf]] 5 .
! >L ufljGb nfn ;f+3fO{, sf7df08f} cWoIf
@ >L /fd cjtf/ cu|jfn, sf7df08f} ;+rfns
# >L ljj]s cu|jfn, sf7df08f} ;+rfns
$ >L sdn]z s'df/ cu|jfn, sf7df08f} :jtGq ;+rfns
% >L k|sfz d'b8f, sf7df08f} ;+rfns
^ >L ljdn k|;fb 9sfn, sf7df08f} ;+rfns
& >L kf?n 9sfn, sf7df08f} ;+rfns
>L x]6f}+8f OGe]i6d]G6 P08 6]«l8Ë sDkgL k|f= ln= x]6f}+8f, dsjfgk'/M k|rlnt sDkgL P]g cGt{ut sDkgL
/lhii6«f/sf] sfof{nodf btf{ eO{ ljleGg sDkgLsf] z]o/df nufgL ub}{ cfO{/x]sf] 5 .
! >L s'z s'df/ hf]zL, wf]lj3f6, nlntk'/ cWoIf
@ >L l;¢L nfn >]i7, x]6f}8f, dsjfgk'/ ;+rfns
# >L cdl/; k|wfg, x]6f}8f, dsjfgk'/ ;+rfns
$ >L lx6n/ la;]6, x]6f}8f, dsjfgk'/ ;+rfns
% >L eujfg bf; zfSo, x]6f}8f, dsjfgk'/ ;+rfns
^ >L afa' sfhL zfSo, x]6f}8f, dsjfgk'/ ;+rfns
>L l;6f}nf OGe]i6d]G6 k|f= ln= u0f]zahf/, lj/f6gu/, df]/ËM k|rlnt sDkgL P]g cGt{ut k|f= ln=sf] ?kdf :yfkgf
eO{ ljleGg sDkgL z]o/x?df nufgL ub}{ cfO{/x]sf] 5 .
! >L x/LeQm l;6f}nf, lj/f6gu/, df]/Ë cWoIf
@ >L vu]Gb| l;6f}nf, gS;fn sf7df08f} k|aGw lgb]{zs
# >L lbg]z l;6f}nf, lj/f6gu/ df]/Ë ;+rfns
>L ho u0f]z OGe]i6d]G6 k|f= ln= kfgLkf]v/L, sf7df08f}+M k|rlnt sDkgL P]g cGt{ut k|f= ln=sf] ?kdf :yfkgf eO{
ljleGg sDkgLx?sf] z]o/x?df nufgL ub}{ cfO{/x]sf] 5 .
! >L ;f]gfd Uof5f], kfgLkf]v/L, sf7df08f} cWoIf
@ >L gfdvfË, af}¢ sf7df08f} ;+rfns
>L g]kfn d]Gyfk|f]8S6\; k|f= ln= 1fg]Zj/, sf7df08f}M k|rlnt sfg"g adf]lhd sDkgL /lhi6«f/sf] sfof{nodf btf{
eO{ sdf]l8l6h, 8]l/e]l6e tyf ljleGg sDkgLsf] z]o/x?df nufgL ub}{ cfO{/x]sf] 5 .
! >L lzj s'df/ c8'lsof, lqk'/]Zj/, sf7df08f} cWoIf
@ >L k|]dntf c8'lsof, lqk'/]Zj/, sf7df08f} ;+rfns
# >L /fs]z c8'lsof, lqk'/]Zj/, sf7df08f} k|aGw lgb]{zs
PgPnlh OG:of]/]G; s+= ln=, nflhDkf6, sf7df08f}+ M OG:of]/]G; klAns sDkgL ljdf bnfn ;DaGwL sfo{ ub}{
cfO{/x]sf]] 5 .
! >L ljdn k|;fb jfUn], sf7df08f} cWoIf
@ >L e/t axfb'/ a:g]t, sf7df08f} ;+rfns
# >L ;'/]z k|;fb vqL, sf7df08f} ;+rfns
$ >L dg axfb'/ /fO{, nlntk'/ ;+rfns
% >L ldg axfb'/ ;df/L, sf7df08f} ;+rfns
^ 8f= e/t s'df/ yfkf, sf7df08f} :jtGq ;+rfns
>L ljsf; ODk]S; cfbz{gu/, lj/u+h k;f{M k|rlnt g]kfn sfg"g cGtu{t pwf]u ljefudf btf{ eO{ cfoft lgof{t
;DaGwL sfd ub}{ cfO{/x]sf] 5 .
! >L ljsf; s'df/ s]ofn, lj/u+h, k;f{ k|f]k|fO{6/
>L ljhg]z PGhn k|f= ln= a'9flgns07, sf7df08f}M k|rlnt P]g adf]lhd sDkgL /lhi6«f/sf] sfof{nodf btf{ eO{
e]lxsn /]G6n ;le{; tyf z]o/x?df nufgL ul//x]sf] 5 .
! >L ljgf]b k|;fb b'nfn, a'9flgns07, sf7df08f} k|aGwlgb]{zs
>L PsbGt OGe]i6d]G6 k|f= ln= gofF afg]Zj/, sf7df08f}+M k|rlnt sfg"g adf]lhd sDkgL /lhi6«f/sf] sfof{nodf
14
btf{ eO{ ljleGg sDkgLsf] z]o/x?df nufgL ub}{ cfO{/x]sf] 5 .
! >L afa' /fd kf]v/]n, gofFafg]Zj/, sf7df08f} cWoIf
@ >L o'ljg kf]v/]n, gofFafg]Zj/, sf7df08f} ;+rfns
# >L jljg kf]v/]n, gofFafg]Zj/, sf7df08f} ;+rfns
>L cf]d Pla;L lk|G6;{ w'Daf/fxL, sf7df08f}+M k|rlnt g]kfn sfg"g adf]lhd :yfkgf eO{ ljleGg 5kfO{ ;DaGwL
sfo{sf] sfd ub}{ cfO{ /x]sf] 5 .
! >L hgf{bg k/fh'nL, w'Daf/fxL, sf7df08f} cWoIf
-O_ ;+ul7t ;++:yfsf] ;+rfns cGo s'g} sDkgL ;++:yf, sf]if, ;+u7g;Fu cfj4 eP To:tf] ;+rfns / cfaå ePsf]
;+:yfsf] gfd, 7]ufgfM
a}+ssf] ;~rfnsx? cfj4 /x]sf cGo sDkgL, ;+:yf, sf]if, ;+u7g jf kmd{x?sf] ljj/0f b]xfo cg';f/ 5 M
qm=;+= ;+rfnssf] gfd cfj¢ /x]sf cGo sDkgL, ;+:yf, sf]if, ;+u7g jf kmd{
!=
>L k|sfz >]i7
-k|ltlgwL– drfg jfON8 nfOkm
l/;f]6{ k|f=ln=_
k|aGw lgb]{zs drfg jfO{N8nfO{km l/;f6{ k|f=ln=, u|Lg nfO{g 6";{ k|f= ln= xf]6n
Pzf]l;o;g ckm g]kfn, g]kfn 6"l/hd af]8{ tyf g]kfn /]8qm; ;f];fO{6L .
@= >L /fw]z kGt
l;lgc/ DogflhË kf6{g/ le/s P08 sDkgL, ;Nnfxsf/ tyf k'j{ cWoIf a}+s;{
Pzf]l;P;g ckm g]kfn ;x—cWoIf o"gfO{6]8 g]zg Pzf]l;P;g g]kfn, ;+rfns
;fpy Plzog O{G:6Lro'6 ckm g]kfn, ;+rfns sf7df08' d]l8sn sn]h .
#= >L lht]Gb| lwtfn
-k|ltlgwL– sd{rf/L ;~ro sf]if_
d'Vo clws[t sd{rf/L ;+ro sf]if .
$= >L uf]ljGb k|;fb zdf{ /]UdL
/fli6«o dfgj clwsf/ k|lti7fg, ljgfosgu/, gofF jfg]Zj/
8f= ofbj k|;fb kGt cg';Gwfg tyf ljsf; k|lti7fg sflnsf:yfg
cgfdgu/ ljsf; ;dfh, cgfdgu/ .
%= k|f=8f= x]d/fh ;'j]bL
PgPnlh OG:of]/]G; sDkgL lnld6]8, kfgLkf]v/L, sf7df8f}+
l8kf6{d]G6 ckm sglkm\nS6, lk; P08 8]enkd]G6 :6l8h, lqe'jg
ljZjljwfno u|fld0f cfb{z dlN6kn sn]h, sf7df08f}+ .
^= >L dbg nfn hf]zL
k|aGw lgb]{zs kmlg{r/Nof08 k|f= ln=
g]kfn pwf]u jfl0fHo dxf;+3
;+:yfks ;fljs gf/fo0fL kmfOgfG; ln= .
&= >LdtL df]xgf nf]xgL
e/;]G8 OG{Fkm/d]zg 6]Sgf]nf]hL k|f= ln= sf7df08' g]kfn, -;xfos sDkgL
e/;]G8 OG{Fkm/d]zg cd]l/sf_ l86'xlsh ;le{;]h k|f= ln= sf7df08' -
;xfos sDkgL l86'xlsh cd]l/sf_ .
æ;"rLs[t ;Ël7t ;+:yfx¿sf] ;+:yfut ;'zf;g ;DaGwL lgb{]lzsf, @)&$Æ sf] Joj:yfx? tyf sDkgL P]g,
@)^# sf] bkmf *( sf] pkbkmf -!_ 5 sf] kfngf ePsf] 5 .
-O{_ ;+:yfks÷;+rfnssf] xs x:tfGt/0f aGb]h ;DaGwL ljj/0f M
o; a}+ssf] k|jGwkq÷lgodfjnLdf z]o/ vl/b jf x:tfGt/0f ug{ aGb]h ;DaGwL Joj:yf b]xfo adf]lhd x'g]5M
s= g]kfn /fi6« a+}ssf] k"j{ :jLs[lt glnO{ a}+ssf] z]o/ s'g} ljb]zL a+}s jf ljQLo ;+:yfnfO{ laqmL jf x:tfGt/0f
ul/g] 5}g .
v= g]kfn /fi6« a}Fssf] k"j{ :jLs[lt glnO{ ;+:yfks / ;j{;fwf/0f ;d"xsf] z]o/ :jfldTj cg'kftdf kl/jt{g ug{
kfO{g] 5}g .
u= a}+s ;~rfngdf cfPsf] kfFr jif{ gk']u;Dd ;+:yfksn] cfˆgf] z]o/ laqmL jf lwtf]aGws /fVg kfpg] 5}g .
;f] cjlwkl5 a}+ssf] ;+:yfksn] cfkm\gf] z]o/ laqmL ubf{ jf lwtf]aGws /fVg' kbf{ g]kfn /fi6« a}+sn] tf]s]sf
15
zt{sf clwgdf /xL ug{ ;Sg]5 . t/ To;/L xs 5f]8\bf jf x:tfGt/0f ubf{ klxnf] k|fyldstf h'g ;d"xsf]
z]o/ xf] ;f]xL ;d"xsf z]o/wgLx¿nfO{ lbg'kg{]5 . o;/L z]o/ laqmL ubf{ Ps eGbf a9L z]o/wgLn] z]o/
vl/b ug{ rfx]df lghn] wf/0f u/]sf] z]o/sf] cg'kftdf ljt/0f ug'{ kg]{5 . ;f] ;d"xsf s'g} klg ;+:yfks
z]o/wgLn] z]o/ lng] OR5f gu/]df dfq To:tf] z]o/ ;+rfns ;ldltsf] lg0f{o adf]lhd cGo JolQm, kmd{,
sDkgL jf ;+:yfnfO{ laqmL ug{ ;lsg] 5 .
3= a}+sn] xsk|b z]o/ lgisfzg ubf{ ;fljssf ;+:yfks z]o/wgLx?n] vl/b ug{ kfpg] xsk|b z]o/sf] ;Dk"0f{
jf cf+lzs xs x:tfGt/0f ug{ rfx]df r'Qmf k"FhLsf] @ k|ltzt jf ;f]eGbf sd z]o/ lnPsf ;+:yfks
z]o/wgLsf] xsdf g]kfn /fi6« a}+sn] tf]s]sf] zt{sf] cwLgdf /xL xs x:tfGt/0f ug{ ;Sg] / @ k|ltzteGbf
dfly z]o/ :jfldTj ePsfsf] xsdf g]kfn /fi6« a}+ssf] k"j{ :jLs[lt lnP/ dfq xs x:tfGt/0f ug{ ;Sg] 5 .
ª a}+sn] xsk|b z]o/ lgisfzg ubf{ ;fljssf ;j{;fwf/0f z]o/wgLx?n] vl/b ug{ kfpg] xsk|b z]o/sf] ;Dk"0f{
jf c+lzs xs x:tfGt/0f ug{ rfx]df k|rlnt lgod sfg"g adf]lhd xs x:tfGt/0f ug{ ;Sg] 5 .
r= s'g} ;+:yfks z]o/wgLsf] d[To' ePdf jf cbfntsf] cfb]zn] lghsf] z]o/ xsjfnfdf gfd;f/L x'g] ePdf jf
k|rlnt sfg"g adf]lhd kfl/jfl/s c+zj08f eO{ xs x:tfGt/0f x'g] ePdf v08 -3 / ª_ sf] aGb]h nfu" x'g]
5}g .
h= z]o/ vl/b jf x:tfGt/0f ug{ aGb]h ;DaGwL cGo Joj:yf k|rlnt a}+s tyf ljQLo ;+:yf ;DaGwL sfg"g,
sDkgL sfg"g / lwtf]kq sf/f]jf/ ;DaGwL sfg"g tyf cGo k|rlnt sfg"gdf pNn]v eP adf]lhd x'g]5 .
v= ;+:yfks÷;~rfns;Fusf] sf/f]jf/ M
-c_ ;+ul7t ;++:yfaf6 s'g} ;+:yfks÷;~rfnsn] k|ToIf jf ck|ToIf ?kdf s'g} j:t' jf ;'ljwf -cfly{s jf
u}/cfly{s_ k|fKt u/]sf] jf k|fKt ug]{ ePdf To:tf] j:t' jf ;'ljwfsf] k|s[lt / d"No / To:tf] ;'ljwf lbP
jfkt a}+sn] s'g} ;DklQ, ;]jf k|fKt u/]sf] jf ug]{ ePdf tT;DaGwL ljj/0f M
;f] gePsf] .
-cf_ aF'bf c df pNn]lvt j:t' jf ;'ljwfsf] d"No lgwf{/0f ug{ ckgfOPsf] tl/sf M
;f] gePsf] .
^= ;Lldt bfloTj ;DaGwL Joj:yf M
of] a}+s sDkgL P]g, @)^# tyf a}+s tyf ljQLo ;+:yf ;DaGwL P]g, @)&# cGtu{t :yflkt tyf ;~rflnt klAns
lnld6]8 sDkgL xf] . o;df z]o/jfnfx?sf] bfloTj l;ldt 5 . o; a}+ssf z]o/jfnfx?sf] bfloTj lghx?n] vl/b u/]sf]
z]o/sf] c+lst d"No ;Dd dfq l;ldt x'g]5 . C0fkqsf] xsdf C0fkq jfnfx?n] vl/b u/]sf] C0fkqsf] e'QmfgL ug]{
bfloTj a}+ssf] x'g]5 .
&= ;+ul7t ;+:yfsf] sd{rf/L ;DaGwL hfgsf/L M
s= ;+ul7t ;+:yfsf] pRr Joj:yfksLo txsf clws[t sd{rf/Lx? ;DaGwL ljj/0f M
-c_ ;+ul7t ;++:yfsf] pRr Joj:yfksLo txsf sd{rf/Lsf] gfd, of]Uotf, lgo'lQm ePsf] ldlt, klxn] u/]sf]
sfdsf] cg'ej tyf ;+ul7t ;++:yfsf] z]o/ lnPsf] eP z]o/ ;+Vof ;DaGwL ljj/0f . ;fy} To:tf]
sd{rf/Lx? cGo s'g} ;"rLs[t ;+ul7t ;++:yfsf] cfwf/e"t z]o/wgLsf] ?kdf /x]sf] jf sd{rf/Lx?n] cGo
s'g} ;+ul7t ;+:yfdf u/]sf] nufgL ;DaGwL ljj/0f M
qm=;+
=
sd{rf/Lsf] gfd,
y/
kb of]Uotf lgo'lQm ldlt sfof{g'ej o;} a}+ssf]
z]o/df
nufgL
-z]o/ ;+Vof_
!= zf]eg b]j kGt k|d'v
sfo{sf/L
clws[t
Pd=la=P @)–)*–@)!& ;xfos dxfk|aGws,
glan a}+s ln=-!!(%
b]lv !((^_
dxfk|aGws, glan a}+s
ln=-!!(^ b]lv @))!_
k|d'v sfo{sf/L clws[t,
glan a}+s ln=-@))!
b]lv @))@_
k|d'v sfo{sf/L clws[t,
;j{;fwf/0f
z]o/M
2,43,251
16
g]kfn aËnfb]z a}+s
ln=-@))$ b]lv @))%_
k|d'v sfo{sf/L clws[t,
n'lDagL a}+s ln=-@))^
b]lv @)!^_
k|d'v sfo{sf/L clws[t,
a}+s ckm sf7df08" ln=-
@)–)*–@)!& b]lv
xfn;Dd_
@= >j0f nfn df:s] gfoj k|d'v
sfo{sf/L
clws[t
la= sd !$–)&–@)!^ glan a}+s ln=-!(*%
b]lv @))^_
gfoj k|d'v sfo{sf/L
clws[t, n'lDagL a}+s
ln=-dfr{ @))^ b]lv
h'nfO{ @)!^_
gfoj k|d'v sfo{sf/L
clws[t, a}+s ckm
sf7df08" ln=-h'nfO{
@)!^ b]lv xfn;Dd_
;j{;fwf/0f
z]o/M
2,16,642
# ladn bfFuf ;xfos k|d'v
sfo{sf/L
clws[t
Pd=la=P -
Executive_
!!–)&–@)!( g]kfn lu|gn]h a}+s ln=
-!((!–@))#_
Senior Manager, Pg
cfO{ ;L Plzof a}+s ln=
-h'nfO{ @))#– clk|n
@))(_
;xfos dxfk|aGws,
Pg cfO{ ;L Plzof a}+s
ln= -clk|n @))(– h'g
@)!%_
gfoj dxfk|aGws, Pg
cfO{ ;L Plzof a}+s ln=
-h'g @)!%– dfr{
@)!&_
;xfos k|d'v sfo{sf/L
clws[t, a}+s ckm
sf7df08" ln=-h'nfO{
@)!( b]lv xfn;Dd_
–
$ dx]z ld> gfoj
dxfk|aGws
Pd=la=P !%–)!–!((% glan a}+s ln=-l8;]Da/
!(() b]lv km]a|'c/L
!(($_
a}+s ckm sf7df08" ln=-
hgj/L !((% b]lv
xfn;Dd_
;j{;fwf/0f
z]o/M 27,651
% rGb| /fh zdf{ gfoj
dxfk|aGws
rf6{8{
PsfpG6]06÷
Pd=la=P
!&–)&–@))# n'lDagL a}+s ln=-h'nfO{
@))# b]lv h'nfO{
@)!^_
a}+s ckm sf7df08" ln=-
h'nfO{ @)!^ b]lv
xfn;Dd_
;j{;fwf/0f
z]o/M
20,569
dfly pNn]lvt a+}ssf] pRr Joj:yfksLo txsf sd{rf/Lx? cGo ;+ul7t ;+3÷;+:yfx?df cfwf/e"t
z]o/wgLsf] ?kdf g/x]sf] jf cGo s'g} ;+ul7t ;+:yfdf u/]sf] nufgL dfly pNn]lvt afx]s a+}ssf]
hfgsf/Ldf gcfPsf] .
17
-cf_ ljj/0fkq af]8{df k|:t't ug'{ eGbf ! jif{ cufl8sf] cjlwdf lgod cg';f/ cjsfz k|fKt ePsf] cj:yf
afx]s ;+ul7t ;++:yfsf] pRr Joj:yfksLo txdf /x]sf s'g} sd{rf/L kl/jt{g ePsf]eP ;f] ;DaGwL
ljj/0f M
;f] gePsf] .
-O_ sd{rf/Lsf] ;+VofM :yfoL, c:yfoL, s/f/, Hofnfbf/L / cGo -cf=j= cfiff9 d;fGt @)&^÷&&_M
qm=;+= s'n sd{rf/L ;+Vof :yfoL c:yfoL s/f/ Hofnfbf/L cGo -k|lzIffyL{_
1 822 742 78 2 - -
v= ;+rfns Pj+ pRr Joj:yfksLo txsf clws[tnfO{ lbPsf] eQf tyf kfl/>lds ;DaGwL ljj/0f M
-c_ ;+rfns ;ldltsf] cWoIf nufot cGo ;b:ox?nfO{ k|bfg ul/g] jf ul/Psf] a}7s eQfsf] b/ tyf
lghx?nfO{ k|bfg ul/g] jf ul/Psf] b}lgs tyf e|d0f eQf tyf cGo ;'ljwf M
;~rfnsn] kfpg] dfl;s kfl/>lds, a}7s eQf, b}lgs tyf e|d0f eQf / cGo ;'ljwf ;fwf/0f ;efn] tf]s] cg';f/
b]xfo adf]lhd /x]sf]] 5M
!=! ;~rfns ;ldltsf] a}7sdf pkl:yt eP jfkt cWoIfnfO{ k|lt a}7s ?= !$,)))÷– / cGo k|lt a}7s
;~rfnsnfO{ !@,)))÷— a}7s eQf pknAw u/fO{Psf] 5 . o; afx]s 6]lnkmf]g, df]afO{n, / kqklqsf vr{sf
nflu dfl;s ? !^,)))÷– ;ldltsf cWoIf tyf ;b:ox?nfO{ k|bfg ul/Psf] 5 .
!=@ a}+ssf] sfdsf] l;nl;nfdf :jb]z tyf ljb]z e|d0f ubf{sf] xf]6]n ;'ljwf jfktsf] vr{, b}lgs vfgf vr{ / cGo
vr{ b]xfo adf]lhd x'g]5 M
If]q xf]6n b}lgs vfgf vr{ cGo vr{ hDdf
If]q g+ !
cd]l/sL 8n/ #)) !%) %) %))
If]q g+ @
cd]l/sL 8n/ @)) !)) %) #%)
If]q g+ #
cd]l/sL 8n/ !)) () %) @$)
If]q g+ $
ef/tLo ?kofF !%,))) @,))) !,))) !*,)))
If]q g+ %
g]kfnL ?kofF %,))) @,))) !,))) *,)))
If]qsf] kl/efiff M If]q b]zx?
If]q g+ ! cd]l/sf, o'/f]k, ci6«]lnof tyf Go'lhNof08
If]q g+ @ ;fs{ b]zx? tyf If]q g+ ! df pNn]v ePsf b]zx? Affx]ssf ;j} b]zx?
If]q g+ # ;fs{ b]zx? ef/t / g]kfn afx]s
If]q g+ $ ef/t
If]q g+ % g]kfn
cGo Joj:yfx? M
xjfO{ dfWodsf] oftfoft ePdf ljlzi6 >]0fL tyf cGo dfWodsf] xsdf ;+rfns ;ldltn] lg0f{o u/]
adf]lhd x'g]5 .
/fxbfgL z'Ns, le;f z'Ns, Po/kf]{6 6\ofS; vr{ eP adf]lhd lbOg]5 .
xf]6n / Po/kf]{6 cfpFbf hfFbfsf] 6\ofS;L vr{ eP adf]lhd lbOg]5 .
a}+ssf] sfd;Fu ;DalGwt 6]lnkmf]g, km\ofS;\, O{d]n vr{ eP adf]lhd lbOg]5 .
-cf_ ;+ul7t ;+:yfsf] pRr Joj:yfksLo txsf clws[tx?sf] gfd, kb / Ps cfly{s jif{sf] cjlw leq
pgLx?nfO{ kfl/>ldssf] ?kdf e'Qmfg ul/Psf] /sd M -cf=j= @)&^÷&& sf] _
18
l;=g+= sd{rf/Lsf] gfd kb
Ps cfly{s jif{sf] cjlw leq
kfl/>ldssf] ?kdf e'Qmfg ul/Psf
/sd -?=_
! zf]eg b]j kGt k|d'v sfo{sf/L clws[t 19,245,600.00 @ >j0f nfn df:s] gfoj k|d'v sfo{sf/L clws[t 10,945,650.00
# ladn bfuf ;xfos k|d'v sfo{sf/L clws[t 6,537,378.08
$ dx]z ld> gfoj dxfk|aGws 5,869,374.50
% rGb| /fh zdf{ gfoj dxfk|aGws 5,916,518.50
gf]6M dfly pNn]lvt Joj:yfksLo clws[tx?nfO{ a}+ssf] lgod tyf lgo'lQmsf] zt{ adf]lhd ;jf/L ;fwg,
kmf]g ;'ljwf, jf]gz, j]nkm]o/ tyf cGo ;'ljwf k|bfg ul/Psf] 5 .
-O_ s'g} clws[t jf ;+rfnsnfO{ eljiosf] nflu s'g} /sd k|bfg ul/g] u/L s/f/ ul/Psf] eP ;f] ;DaGwL
ljj/0fM
;f] gePsf] .
*= cGtlg{lxt hf]lvd tyf ;f] sf] Joj:yfkgsf nflu Joj:yfkgsf] wf/0ff M
sDkgLsf] cGtlg{lxt hf]lvdx? lgDgfg';f/ /x]sf 5g\ .
-s_ ljQLo ;fwgsf] cefjaf6 x'g] hf]lvd M
lgIf]k tyf shf{sf] Jofhb/df cfpg] kl/jt{gaf6 x'g ;Sg] hf]lvdx? .
g]kfnsf] ahf/df x'g] cfly{s dGbLaf6 kg{ ;Sg] c;/af6 x'g ;Sg] cfly{s hf]lvdx? .
-v_ sRrf kbfy{sf] cefjaf6 x'g] hf]lvd M
;f] gePsf] .
-u_ pTkfbg jf ;]jfsf] ahf/sf] l:ylt / o;df cfpg] kl/jt{gaf6 x'g] hf]lvdM
a+}s tyf ljQLo ;+:yfx?sf] k'FhL a[l4n] o; If]q Plss[t x'g'sf ;fy} o; If]qsf] ;+:yfut k'g;+/rgf x'g]
xfdLn] ck]Iff u/]sf 5f+} . o;n] a+}sx?sf] k|lt:kwf{Tds / hf]lvd axg ug{ ;Sg] Ifdtf a9fpg] 5 . t;y{,
xfdLn] cfufdL lbgx?df laQLo If]q yk k|lt:kwL{ x'g] ck]Iff u/]sf 5f+} . k|lt:kwf{af6 pTkGg x'g] hf]lvd
Joj:yfkgdf o; a}+ssf] ;+hfn, pTs[i6 ;]jf tyf ;'ljwf, kl/jt{gnfO{ cfTd;ft ug]{ Ifdtf, u'0f:t/Lo shf{
kf]6{kmf]lnof] Pjd hf]lvd Joj:yfkg ug]{ ;+:sf/ tyf ljz]if1tfaf6 yk ;xof]u k'Ug]5 .
-3_ cfof]hgf ;DkGg x'g l9nfO{ x'g] ;Defjgf / To;af6 x'g] d"No clea[l4sf] hf]lvdM
;f] gePsf]] .
-ª_ ljb]zL ljlgdosf] hf]lvd M
b]zsf] a}+b]lzs Jofkf/ gLltdf x'g ;Sg] kl/jt{g tyf ljb]zL d'b|fsf] ljlgdo b/df 36\a9 eO{ pTkGg x'g
;Sg] ;Defljt hf]lvdx?
-r_ sfg"gL k|lqmofx? tyf O{hfht k|fKt ug'{kg]{ eP ;f]af6 kg{ ;Sg] cj/f]wx? M
;f] gePsf] .
-5_ If]qLos/0f / ljZjJofkLs/0f -Globalization_ sf sf/0faf6 pTkGg x'g ;Sg] hf]lvd M
cGt/fl{i6«o ahf/sf] cfly{s dGbLn] k|ToIf c;/ ljQLo If]qdf kg{ ;Sg] ePsf]n] ;f]af6 x'g ;Sg] hf]lvdx? .
-h_ ;/sf/L gLlt tyf lgodx?df x'g] kl/jt{g tyf ljZjJofkL ?kdf x'g] gLltut kl/jt{gaf6 pTkGg x'g] hf]lvd M
g]kfn ;/sf/ tyf g]kfn /fi6« a}+ssf] cfly{s tyf ljQLo gLlt lgoddf x'g] kl/jt{gaf6 >[hgf x'g ;Sg]
hf]lvdx? .
b]zsf] df}lb|s gLlt nufot g]kfn /fi6« a}+sn] hf/L ug]{ lgod lgb]{zgsf] ck|Toflzt kl/jt{gaf6 l;h{gf x'g]
;Defljt hf]lvdx? .
19
-em_ ;+rfng cg'ejsf] cefj M
o; a}+sn] lg/Gt/ @% jif{ b]lv a}lsË ;]jf k|bfg u/L cfO/x]sf] 5 .
-`_ k|ljlwsf] kl/jt{gaf6 x'g ;Sg] hf]lvd M
a}lsË k|ljlwnfO{ r':t b'?:t /fVg ;ˆ6j]o/ tyf xf8{j]o/df ;do ;fk]If x]/km]/ ug'{kg{] ePdf yk vr{ a9 \g
;Sg]5 . ;fy} a}+sn] lg/Gt/ ?kdf k|ljlw kl/jt{gaf6 l;lh{t x'g ;Sg] hf]lvdx?nfO{ dWogh/ u/L cfjZos
tflnd tyf lj1x?sf] ;'emfjx? ;do ;dodf lnO{/x]sf] .
-6_ cGo .
a}+sn] k|bfg u/]sf] shf{ tyf ;fk6 v/fa shf{df kl/0ft x'g uPdf x'g] hf]lvdx? .
b]zsf] /fhg}lts cl:y/tfaf6 cfpg ;Sg] hf]lvdx? .
k"FhL ahf/sf] cj:yfdf cfpg] ptf/ r9fjaf6 kg{ ;Sg] hf]lvdx? .
a}+sn] ;/sf/L tyf u}/ ;/sf/L lwtf]kqx?df nufgL u/]sf] x'Fbf tL nufgLdf x'g] d"No kl/jt{gsf] hf]lvd .
;DklQ z'l4s/0f nufot ljQLo ck/fw ;DaGwL hf]lvdaf6 x'g ;Sg] xfgL gf]S;fgL .
k|fs[lts k|sf]ksf] sf/0faf6 Joj;fodf cfpg] k|efjsf] hf]lvd h:t} e'sDk .
pk/f]Qmfg';f/sf] hf]lvdx?nfO{ Go"g jf Joj:yfkg ug]{ ;DaGwdf Joj:yfkgsf] of]hgf M
a}+ssf] shf{ tyf nufgL v/fa eO{ x'g ;Sg] hf]lvdx?sf] nflu a}+sn] shf{ tyf nufgL hf]lvd sf]ifsf] Joj:yf u/]sf]
5 . a}+sn] ljQ ahf/df x'g] k|lt:kwf{sf] nflu hgzlQm lasf;df cfjZos Wofg k'¥ofpg'sf] ;fy} cGo Jofj;flos
hf]lvdx?af6 l;h{gf x'g ;Sg] xfgL gf]S;fgLsf] nflu Joj:yfkg rgfvf] eO{ ;Defljt xfgL gf]S;fgL sd ug{ ;Ifd
tyf k|lta4 5 . ;fy}, cfˆgf] ;]jfnfO{ cem u'0f:t/Lo / k|lt:kwL{ agfO{ pkef]Qmfd'vL ;]jfx? k|bfg u/L dWosfnLg
tyf bL3{sfnLg shf{ ;fk6Lx? v/fa shf{df kl/0ft eO{ pTkGg x'g] hf]lvd sd ug{sf nflu a}+sn] k|efjsf/L shf{
gLlt cjnDjg u/]sf] 5 . To:t} cGo ljleGg hf]lvdx? Go"gLs/0fsf nflu k|efjsf/L cfGtl/s lgoGq0f k|0ffnL,
;dofg';f/sf] cfw'lgs k|ljlw, :ki6 gLlt tyf lgodx?sf] lgdf{0f Pj+ ;dofg';f/ cfˆgf] ;]jf tyf ;'ljwfx?df kl/jt{g
ub}{ nlug] a}+ssf] gLlt /x]sf] Joxf]/f hfgsf/L u/fp+5f} .
lwtf]kqsf]] d"No kl/jt{g ;DaGwL hf]lvd M
?= !,)))÷– k|lt C0fkqsf] b/n] lgisfzg ul/Psf] d"Non] ;"rLs/0f kZrft\ lwtf]kq ahf/df x'g] sf/f]jf/n] C0fkq
d"Nodf x'g ;Sg] kl/jt{gsf] hf]lvd /x]sf] 5 .
(= ljQLo ljj/0f M
ljQLo ljj/0f / tt\ ;DaGwdf Joj:yfkgsf] wf/0ff / ljZn]if0f M
s_ ;+ul7t ;+:yfsf] n]vfk/LIf0f ePsf] kl5Nnf] cfly{s jif{sf] jf;nft, gfkmf gf]S;fg lx;fa, gfkmf gf]S;fg lx;fa
afF8kmfF8 / gub k|jfx ljj/0f M
sDkgLsf] cf=j= @)&^÷&& sf] jf;nft, gfkmf—gf]S;fg lx;fa, gfkmf—gf]S;fg afF8kmfF8 lx;fa tyf gub k|jfxsf]
ljj/0f lgDgfg';f/ 5 M–
jf;nft -cf=j= @)&^–&&_
? nfvdf
;DklQ @)&^÷&&
1 gub tyf gub ;dfg 23,740 2 g]kfn /fi6« a}+sdf /x]sf] df}Hbft tyf lng' kg]{ jSof}tf 93,633 3 a}+s tyf ljQLo ;+:yfdf /x]sf] df}Hbft 23,612 4 8]l/e]l6e ljQLo pks/0f 673
20
5 cGo Jofkfl/s ;DklQx? 103 6 a}+s tyf ljQLo ;+:yfnfO{ lbPsf] shf{ 35,195 7 u|fxsnfO{ shf{ tyf ;fk6L 758,816 8 lwtf]kqdf nufgL 141,703 9 rfn' s/ ;DklQ 1,477 10 ;xfos sDkgLdf nufgL 1,400 11 ;Da4 sDkgLdf nufgL - 12 ;DklQdf nufgL 247 13 ;DklQ tyf pks/0f 8,329 14 u'8jLn -VoftL_ / cd"t{ ;DklQ 167 15 :yug s/ ;DklQ - 16 cGo ;DklQ 6,466
s'n ;DklQ 1,095,559 bfloTj
1 a}+s tyf ljQLo ;+:yfnfO{{ ltg{ jfFsL 11,811 2 g]kfn /fi6« a}+snfO{ ltg{ jfFsL 1,623 3 8]l/e]l6e ljQLo pks/0f - 4 u|fxsaf6 lgIf]k bfloTj 921,033 5 ;fk6L - 6 rfn' cfos/ bfloTj - 7 Joj:yf 181 8 :yug s/ bfloTj 1,928 9 cGo bfloTj 9,885 10 hf/L ul/Psf] C0fkq 6,248 11 ;'/If0f g/flvPsf] cfjlBs bfloTj -
s'n bfloTj 952,709 k"FhL
1 z]o/ k"FhL 85,469 2 z]o/ lk|ldod - 3 ;+lrt d'gfkmf 9,777 4 hu]8f sf]ifx? 47,604 z]o/ wgLx?nfO{ afF8kmFf8 s"n k"FhL 142,850 5 u}/ lgolGqt :jfy{ -
s'n k"FhL 142,850 hDdf bfloTj / k"FhL 1,095,559
gfkmf–gf]S;fg lx;fa -cf=j= @)&^–&&_
? nfvdf
ljj/0f @)&^÷&&
1 Jofh cfDbfgL 99,809 2 Jofh vr{ 64,057 v'b Jofh cfDbfgL 35,752 3 z'Ns tyf sldzg cfDbfgL 5,437 4 z'Ns tyf sldzg vr{ 543 v'b z'Ns / sldzg cfDbfgL 4,893 v'b Jofh, z'Ns / sldzg cfDbfgL 40,645
21
5 v'b Jofkfl/s cfDbfgL 3,223 6 cGo ;+rfng cfDbfgL 522 hDdf ;+rfng cfDbfgL 44,390 7 shf{ hf]lvdsf] Joj:yf÷-lkmtf{_ tyf cGo gf]S;fgL 5,637 v'b ;+rfng cfDbfgL 38,754 ;+rfng vr{ - 8 sd{rf/L vr{ 11,119 9 cGo ;+rfng vr{ 5,541 10 x|f; s6\6L / kl/iff]wg 1,154 ;+rfng d'gfkmf 20,940 11 u}/ ;+rfng cfDbfgL 125 12 u}/ ;+rfng vr{ - cfo s/ cl3sf] d'gfkmf 21,065 cfos/ vr{ - 13 rfn' s/ 6,698 14 :yug s/ vr{÷cfDbfgL (240)
o; cjlwsf] d'gfkmf 14,607
gfkmf afF8kmfF8 - 15 a}+ssf] z]o/wgL 14,607 16 u}/ lgolGqt :jfy{ (Non Controlling Interest) -
o; cjlwsf] d'gfkmf 14,607
gub k|jfxsf] ljj/0f -cf=j= @)&^–&&_
? nfvdf
ljj/0f @)&^÷&&
sf/f]jf/ ;+rfngaf6 gub k|jfx Jofh cfDbfgL 87,972 z'Ns tyf cGo cfDbfgL 5,445 nfef+z k|fKtL - cGo sf/f]jf/ ;+rfngaf6 k|fKtL 3,423 Jofh vr{ 64,291 sldzg tyf z'Ns vr{ 543 sd{rf/Lx?nfO{ gub e'QmfgL 11,742 cGo vr{ 5,541 ;+rfng ;DklQ / bfloTjsf] kl/jt{g cl3sf] ;+rfng gub k|jfx 14,723 ;+rfng ;DjlGw rfn' ;DklQdf 36÷-a9_ (98,352) g]kfn /fi6« a}+saf6 jfFsL /x]sf] df}Hbft (43,852) a}+s tyf ljQLo ;+:yfx?df /x]sf] df}Hbft (1,213) cGo Jofkfl/s ;DklQ 3,451 a}+s tyf ljQLo ;+:yfx?nfO{ lbOPsf] shf{ tyf ;fk6L (2,518) u|fxsnfO{ lbOPsf] shf{ tyf ;fk6Ldf 36÷-a9_ (54,275) cGo ;DklQ 55 ;+rfng ;DjlGw rfn" bfloTjdf -36_÷a9 90,991 a}+s tyf ljQLo ;+:yfx?nfO{ lbg' kg]{ jfFsL /sd 5,755 g]kfn /fi6« a}+snfO{ lbg' kg]{ jfFsL /sd (9,383) u|fxssf] lgIf]k 93,813
22
C0f ;fk6L - cGo bfloTj 807 cfos/ cuf8Lsf] ;+rfng ultljwLaf6 v'b gub k|jfx 7,362 cfos/ e'QmfgL 8,756 sf/f]jf/ ;+rfngaf6 v'b gub k|jfx (1,394) nufgL sf/f]jf/df gub k|jfx nufgL vl/b (13) nufgL ljlqm 2,989 l:y/ ;DklQsf] vl/b (1,060) l:y/ ;DklQsf] ljqmLaf6 k|fKtL 109 cd"t{ ;DklQsf] vl/b (73) cd"t{ ;DklQsf] ljqmLaf6 k|fKtL - nufgLdf ;DklQsf] vl/b - nufgLsf] ;dklQsf] ljqmLaf6 k|fKt - Jofh cfDbfgL 5,708 nfef+z cfDbfgL 348 nufgL sf/f]jf/df v'b gub k|jfx 8,009 ljQLo >f]t sf/f]jf/af6 gub k|jfx C0fkq lgisfzgaf6 k|fKtL - C0fkqsf] e'QmfgL (4,000) c;'/lIft bfloTjsf] lgisfzgaf6 k|fKt - ;'/If0fdf g/flvPsf] bfloTjsf] e'QmfgL - z]o/ lgisfzgaf6 k|fKtL - nfef+z vr{ (8,869) Jofh vr{ (901) cGo k|fKtL÷vr{ (327) ljQLo >f]t sf/f]jf/af6 v'b gub k|jfx (14,098) gub tyf gub ;dfgdf ePsf] v'b 36÷a9 (7,483) gub tyf gub ;dfgdf /x]sf] z'?jftL df}Hbft 31,155 gub tyf gub ;dfgdf ljlgdo b/df ePsf] km/s 67 gub tyf gub ;dfgdf /x]sf] clGtd df}Hbft 23,740
gf]6M NFRScg';f/ ljQLo ljj/0f tof/ kfl/Psf] x'gfn] gfkmf gf]S;fg afF8kmfF8 lx;fa ;+nUg gx'g] .
-v_ ;+rfng cjlw tLg jif{ JotLt e};s]sf] cj:yfdf ljut tLg jif{sf] / tLg jif{ JotLt e}g;s]sf] cj:yfdf ;+rfng
cjlwe/sf] n]vfk/LIf0f ePsf] gfkmf gf]S;fg, jf;nft ;lxtsf] ;+lIfKt ljQLo ljj/0f M
a}+ssf] cf=j= @)&$÷&%, @)&%÷&^ / @)&^÷&& ;Ddsf] n]vfk/LIf0f ePsf] cfiff9 d;fGtsf] ljQLo ljj/0f
lgDg adf]lhd /x]sf] 5 .
jf;nft
? nfvdf
;DklQ
Plss[t a}+s
&$÷&% &%÷&^ &^÷&& &$÷&% &%÷&^ &^÷&&
gub tyf gub ;dfg 34,431 31,439 24,297 34,228 31,155 23,740
23
g]kfn /fi6« a}+sdf /x]sf]
df}Hbft tyf lng' kg]{ jSof}tf 52,645 49,781 93,633 52,645 49,781 93,633
a}+s tyf ljQLo ;+:yfdf /x]sf]
df}Hbft 18,467 23,475 23,822 18,467 22,375 23,612
8]l/e]l6e ljQLo pks/0f - 1,009 673 - 1,009 673 cGo Jofkfl/s ;DklQx? 341 3,553 416 253 3,553 103 a}+s tyf ljQLo ;+:yfnfO{
lbPsf] shf{ 18,318 32,702 35,195 18,318 32,702 35,195
u|fxsnfO{ shf{ tyf ;fk6L 657,891 704,785 758,816 657,891 704,769 758,816 lwtf]kqdf nufgL 115,769 148,003 143,289 115,219 147,627 141,703 rfn' s/ ;DklQ 1,166 - 1,509 1,140 - 1,477 ;xfos sDkgLdf nufgL - - - 1,400 1,400 1,400 ;Da4 sDkgLdf nufgL - - - - - - ;DklQdf nufgL 247 247 247 247 247 247 ;DklQ tyf pks/0f 9,436 8,375 8,379 9,353 8,314 8,329 u'8jLn -VoftL_ / cd"t{
;DklQ 230 188 195 205 159 167
:yug s/ ;DklQ - - - - - - cGo ;DklQ 2,703 6,113 6,500 2,702 6,097 6,466 s'n ;DklQ 911,645 1,009,670 1,096,970 912,068 1,009,186 1,095,559 bfloTj
a}+s tyf ljQLo ;+:yfnfO{{ ltg{
jfFsL - 6,057 11,811 - 6,057 11,811
g]kfn /fi6« a}+snfO{ ltg{ jfFsL 186 11,108 1,623 186 11,108 1,623 8]l/e]l6e ljQLo pks/0f - - - - - - u|fxssf] lgIf]k bfloTj 767,772 826,896 921,016 769,138 827,220 921,033
;fk6L -
- - - - -
rfn' s/ bfloTj - 555 - - 582 - Joj:yf 174 152 181 174 152 181 :yug s/ bfloTj 1,700 3,113 1,943 1,703 3,120 1,928 cGo bfloTj 6,004 10,925 10,414 5,798 10,887 9,885 hf/L ul/Psf] C0fkq - 10,400 6,248 - 10,400 6,248 ;'/If0f g/flvPsf] ;xfos
cfjlBs bfloTj 10,412 - - 10,412 - -
s'n bfloTj 786,248 869,206 953,236 787,411 869,526 952,709 k"FhL
z]o/ k"FhL 70,729 80,631 85,469 70,729 80,631 85,469 z]o/ lk|ldod 9,299 - - 9,299 - - ;+lrt d'gfkmf 8,561 13,826 9,864 8,527 13,749 9,777 hu]8f sf]ifx? 36,102 45,280 47,647 36,102 45,280 47,604 z]o/wgLx?nfO{ jfFkmfF8 of]Uo
s"n k"FhL 124,691 139,737 142,979 124,657 139,660 142,850
u}/ lgolGqt :jfy{ (Non
Controlling Interest) 706 727 754 - - -
s'n k"FhL 125,396 140,464 143,733 124,657 139,660 142,850 hDdf bfloTj / k"FhL 911,645 1,009,670 1,096,970 912,068 1,009,186 1,095,559
24
Gffkmf–gf]S;fg lx;fj
? nfv
ljj/0f
Plss[t a}+s
@)&$÷&% @)&%÷&^ @)&^÷&& @)&$÷&% @)&%÷&^ @)&^÷&&
Jofh cfDbfgL 83,696 98,181 99,871 83,656 98,075 99,809 Jofh vr{ 52,986 60,186 64,040 53,065 60,277 64,057 v'b Jofh cfDbfgL 30,710 37,995 35,830 30,591 37,799 35,752 z'Ns tyf sldzg cfDbfgL 5,427 5,272 5,504 5,400 5,203 5,437 z'Ns tyf sldzg vr{ 504 610 554 503 601 543 v'b z'Ns / sldzg cfDbfgL 4,923 4,662 4,950 4,896 4,602 4,893 v'b Jofh, z'Ns / sldzg cfDbfgL 35,633 42,657 40,781 35,488 42,400 40,645 v'b sf/f]jf/ cfDbfgL 2,248 3,223 3,284 2,257 3,223 3,223 cGo ;+rfng cfDbfgL 1,407 1,001 526 1,407 1,002 522 hDdf ;+rfng cfDbfgL 39,288 46,880 44,591 39,151 46,625 44,390 shf{ hf]lvdsf] Joj:yf÷-lkmtf{_ tyf
cGo gf]S;fgL 4,659 646 5,637 4,659 646 5,637
v'b ;+rfng cfDbfgL 34,629 46,234 38,954 34,492 45,980 38,754 ;+rfng vr{ sd{rf/L vr{ 10,333 11,665 11,207 10,303 11,594 11,119 cGo ;+rfng vr{ 4,463 5,345 5,603 4,425 5,285 5,541 x|f; s6\6L / kl/iff]wg 1,042 1,683 1,183 1,029 1,653 1,154 ;+rfng d'gfkmf 18,790 27,541 20,961 18,735 27,448 20,940 u}/ ;+rfng cfDbfgL 195 356 125 195 356 125 u}/ ;+rfng vr{ 2 - 0.0233 2 - - cfo s/ cl3sf] d'gfkmf 18,983 27,897 21,086 18,928 27,805 21,065 cfos/ vr{ - - rfn' s/ 5,674 9,084 6,712 5,661 9,052 6,698 :yug s/ 48 (221) (245) 58 (217) (240) o; cjlwsf] d'gfkmf 13,262 19,034 14,620 13,209 18,970 14,607
gub k|jfxsf] ljj/0f
? nfvdf
ljj/0f Plss[t a}+s
@)&$÷&% @)&%÷&^ @)&^÷&& @)&$÷&% @)&%÷&^ @)&^÷&&
sf/f]jf/ ;+rfngaf6
gub k|jfx
Jofh k|flKt 79,780 93,618 88,033 79,661 93,708 87,972 z'Ns tyf cGo
cfDbfgL 5,431 5,211 5,572 5,405 5,146 5,445
nfef+z k|flKt - 1 4 - - - cGo sf/f]jf/
;+rfngaf6 k|flKt 3,127 3,332 3,498 3,125 3,332 3,423
25
Jofh e'QmfgL 51,892 58,641 64,273 51,892 58,731 64,291 sldzg tyf z'Ns
e'QmfgL 503 610 554 503 601 543
sd{rf/Lx?nfO{ gub
e'QmfgL 10,827 9,965 11,835 10,796 9,898 11,742
cGo vr{ 4,443 5,636 5,603 4,416 5,577 5,541 ;+rfng ;DklQ /
bfloTjsf] kl/jt{g
cl3sf] ;+rfng gub
k|jfx
20,673 27,311 14,841 20,584 27,379 14,723
;+rfng ;DjlGw rfn'
;DklQdf 36÷-a9_ (55,894) (70,633) (97,112) (55,900) (70,465) (98,352)
g]kfn /fi6« a}+saf6
jfFsL /x]sf] df}Hbft 13,471 2,864 (43,852) 13,471 2,864 (43,852)
a}+s tyf ljQLo
;+:yfx?df /x]sf]
df}Hbft
1,656 (3,757) (23) 1,656 (3,907) (1,213)
cGo Jofkfl/s
;DklQdf (253) (3,591) 3,501 (253) (3,301) 3,451
a}+s tyf ljQLo
;+:yfx?nfO{ lbOPsf]
shf{ tyf ;fk6Ldf
(3,774) (14,384) (2,518) (3,774) (14,384) (2,518)
u|fxsnfO{ lbOPsf]
shf{ tyf ;fk6Ldf (66,769) (47,167) (54,275) (66,769) (47,167) (54,275)
cGo ;DklQdf (226) (4,597) 55 (232) (4,570) 55 ;+rfng ;DjlGw rfn'
bfloTjdf 36÷-a9_ 39,015 79,258 91,433 40,333 79,456 90,991
a}+s tyf ljQLo
;+:yfx?nfO{ lbg' kg]{
jfFsL /sd
- 6,057 5,755 - 6,057 5,755
g]kfn /fi6« a}+snfO{
lbg' kg]{ jfFsL /sd 146 10,922 (9,383) 146 10,922 (9,383)
u|fxssf] lgIf]k 38,549 59,453 93,820 39,915 59,478
93,813 C0f ;fk6L - - - - - - cGo bfloTj 320 2,825 1,241 273 2,999 807 cfos/ cuf8Lsf]
;+rfng ultljwLaf6
v'b gub k|jfx
3,794 35,936 9,163 5,018 36,371 7,362
cfos/ e'QmfgL 6,916 7,363 8,771 6,911 7,330 8,756 sf/f]jf/ ;+rfngaf6
v'b gub k|jfx (3,123) 28,573 392 (1,894) 29,041 (1,394)
nufgL sf/f]jf/df
gub k|jfx
lwtf]kq vl/b (10,832) (28,178) (1,510) (10,732) (28,478) (13) lwtf]]kq ljlqmaf6
k|fKtL - - 2,989 - - 2,989
l:y/ ;DklQsf] vl/b (1,282) (1,164) (1,075) (1,268) (1,152) (1,060) l:y/ ;DklQsf]
ljqmLaf6 k|fKtL 293 1,434 109 293 1,434 109
cd"t{ ;DklQsf] vl/b (118) (20) (74) (118) (19) (73)
26
cd"t{ ;DklQsf]
ljqmLaf6 k|fKtL - - - - - -
nufgLdf ;DklQsf]
vl/b - - - - - -
nufgLsf] ;dklQsf]
ljqmLaf6 k|fKt - - - - - -
Jofh cfDbfgL 3,731 4,478 5,708 3,731 4,283 5,708 nfef+z cfDbfgL 350 316 348 350 316 348 nufgL sf/f]jf/df v'b
gub k|jfx (7,857) (23,133) 6,496 (7,743) (23,616) 8,009
ljQLo >f]t
sf/f]jf/af6 gub k|jfx
C0fkq lgisfzgaf6
k|fKtL - - - - - -
C0fkqsf] e'QmfgL - - (4,000) - - (4,000) c;'/lIft bfloTjsf]
lgisfzgaf6 k|fKt - - - - - -
;'/If0fdf g/flvPsf]
bfloTjsf] e'QmfgL - - - - - -
z]o/ lgisfzgaf6
k|fKtL 15,457 - - 15,457 - -
nfef+z vr{ - (7,780) (8,869) - (7,780) (8,869) Jofh vr{ (799) (812) (901) (799) (812) (901)
cGo k|fKtL÷vr{ - - (327) - - (327) ljQLo >f]t
sf/f]jf/af6 v'b gub
k|jfx
14,658 (8,592) (14,098) 14,658 (8,592) (14,098)
gub tyf gub
;dfgdf ePsf] v'b
36÷a9
3,679 (3,153) (7,210) 5,021 (3,168) (7,483)
gub tyf gub
;dfgdf /x]sf] z'?jftL
df}Hbft
30,598 34,497 31,439 29,052 34,228 31,155
gub tyf gub
;dfgdf ljlgdo b/df
ePsf] km/s
155 95 67 155 95 67
gub tyf gub
;dfgdf /x]sf] clGtd
df}Hbft
34,431 31,439 24,297 34,228 31,156 23,740
gf]6M NFRScg';f/ ljQLo ljj/0f tof/ kfl/Psf] x'gfn] gfkmf gf]S;fg afF8kmfF8 lx;fa ;+nUg gx'g] .
-u_ cfly{s jif{ ;dfKt ePsf] ^ dlxgf kZrft ljj/0fkq :jLs[ltsf] nflu k]z u/]df pQm cGtl/d cjlwsf] nflu
n]vfk/LIfsaf6 k|dfl0ft u/]sf] ckl/is[t ljQLo ljj/0f M
;f] gePsf] .
-3_ cfDbfgL / vr{ lx;fjsf] s'g} zLif{sdf 7"nf] dfqfdf kl/jt{g ePdf To;sf] ljZn]if0ffTds sf/0f M
;f] gePsf] .
27
-ª_ kl5Nnf] ljQLo ljj/0fsf] n]vfk/LIf0f eP kZrft ;+ul7t ;+:yfsf] sf/f]af/, gfkmf gf]S;fg, ;DklQsf] d"No jf
cfufdL !@ dlxgfsf] bfloTj e'QmfgLdf c;/ kg]{ u/L s'g} cj:yf l;h{gf ePsf] 5÷5}g ;f] ;DaGwdf ;+rfnsx?sf]
wf/0ff M
;f] gePsf] .
-r_ cfly{s jif{ ;dfKt ePkl5 ljj/0fkq k]z u/]df, ljj/0fkq k]z u/]sf] ldltaf6 :jLs[lt x'g] ldlt;Dddf jf;nftsf]
ldlt kl5sf] 36gfsf] jf/]df 5'§} hfgsf/L M
;f] gePsf] .
-5_ ljut % jif{df ;DklQsf] k'gd"{Nof+sg ul/Psf] 5÷5}g, olb ul/Psf] eP -c_ ;DklQsf] ljj/0f, -cf_ ;DklQsf]
k"gd"{Nof+sg cl3 / kl5sf] lstfjL d"No, -O_ k"gd"{Nof+sgsf] cf}lrTo M
;f] gePsf] .
-h_ cfufdL tLg jif{sf] k|If]lkt jf;nft, gfkmf gf]S;fg lx;fasf ;fy} To;sf u0fgfsf] cfwf/x? M
a}+sn] cfkm\gf] lb3{sflng /0fgLtL cg';f/ ljQLo ljj/0fx? tof/ u/]sf] xf] . /0fgLlt agfpFbf a}+sn] z'Id?kdf ahf/
/ ;Defljt nIox?sf] cWoog u/]/ agfPsf] xf] . a}+ssf]] cfufdL # cfly{s jif{sf] nflu k|If]lkt ljQLo l:ylt b]xfo
adf]lhd /x]sf] 5 .
jf;nft
? nfvdf
;DklQ @)&&÷&* @)&*÷&( @)&(÷*)
1 gub tyf gub ;dfg 22,351 30,324 33,941
2 g]kfn /fi6« a}+sdf /x]sf] df}Hbft tyf lng' kg]{
jSof}tf 42,406 54,986 66,038
3 a}+s tyf ljQLo ;+:yfdf /x]sf] df}Hbft 27,268 28,631 30,062 4 8]l/e]l6e ljQLo pks/0f 707 742 779 5 cGo Jofkfl/s ;DklQx? 103 103 103 6 a}+s tyf ljQLo ;+:yfnfO{ lbPsf] shf{ 36,954 38,802 40,742 7 u|fxsnfO{ shf{ tyf ;fk6L 896,099 1,015,377 1,172,231 8 lwtf]kqdf nufgL 156,127 184,999 197,285 9 rfn' s/ ;DklQ 684 602 684 10 ;xfos sDkgLdf nufgL 1,400 1,400 1,400 11 ;Da4 sDkgLdf nufgL - - - 12 ;DklQdf nufgL 247 247 247 13 ;DklQ tyf pks/0f 19,820 20,266 20,616 14 u'8jLn -VoftL_ / cd"t{ ;DklQ 2,034 2,036 2,012 15 :yug s/ ;DklQ - - - 16 cGo ;DklQ 6,984 7,542 8,146
s'n ;DklQ 1,213,184 1,386,057 1,574,285 bfloTj @)&&÷&* @)&*÷&( @)&(÷*)
1 a}+s tyf ljQLo ;+:yfnfO{{ ltg{ jfFsL 12,402 13,022 13,673 2 g]kfn /fi6« a}+snfO{ ltg{ jfFsL 1,777 1,777 1,777 3 8]l/e]l6e ljQLo pks/0f - - - 4 u|fxssf] lgIf]k 995,944 1,155,313 1,318,030 5 ;fk6L - - -
28
gfkmf–gf]S;fg lx;fa
? nfvdf
ljj/0f @)&&÷&* @)&*÷&( @)&(÷*)
1 Jofh cfDbfgL 92,303 106,346 120,941 2 Jofh vr{ 53,620 62,546 73,245 v'b Jofh cfDbfgL 38,683 43,800 47,696 3 z'Ns tyf sldzg cfDbfgL 5,817 6,283 6,785 4 z'Ns tyf sldzg vr{ 560 605 653 v'b z'Ns / sldzg cfDbfgL 5,258 5,678 6,132 v'b Jofh, z'Ns / sldzg cfDbfgL 43,941 49,479 53,828 5 v'b sf/f]jf/ cfDbfgL 3,608 3,897 4,209 6 cGo ;+rfng cfDbfgL 564 609 658 hDdf ;+rfng cfDbfgL 48,113 53,985 58,695 7 shf{ hf]lvdsf] Joj:yf÷-lkmtf{_ tyf cGo gf]S;fgL 2,991 3,135 2,500 v'b ;+rfng cfDbfgL 45,122 50,849 56,195 ;+rfng vr{ 8 sd{rf/L vr{ 9,343 11,025 12,128 9 cGo ;+rfng vr{ 5,707 6,278 6,906 10 x\f; s6\6L / kl/iff]wg 1,548 2,062 2,585 ;+rfng d'gfkmf 28,524 31,485 34,577 11 u}/ ;+rfng cfDbfgL 131 138 145 12 u}/ ;+rfng vr{ - - - cfo s/ cl3sf] d'gfkmf 28,655 31,622 34,722 13 sd{rf/L af]g; jfktsf] Joj:yf 2,866 3,162 3,472 14 cfos/ vr{ 7,737 8,538 9,375
o; cjlwsf] d'gfkmf 18,053 19,922 21,875
6 rfn' s/ bfloTj - - - 7 Joj:yf 181 181 181 8 :yug s/ bfloTj 1,928 1,928 1,928 9 cGo bfloTj 21,866 15,122 15,778 10 hf/L ul/Psf] C0fkq 22,000 26,000 33,000 11 ;'/If0f g/flvPsf] ;xfos cfjlBs bfloTj - - -
s'n bfloTj 1,056,098 1,213,343 1,384,367 k"FhL @)&&÷&* @)&*÷&( @)&(÷*)
1 z]o/ k"FhL 95,422 103,784 118,467 2 z]o/ lk|ldod - - - 3 ;+lrt d'gfkmf 12,655 13,354 13,786 4 hu]8f sf]ifx? 49,008 55,576 57,665
s'n k"FhL 157,085 172,714 189,918 hDdf bfloTj / k"FhL 1,213,184 1,386,057 1,574,285
29
ljQLo k|If]k0fsf cfwf/x?
k|If]lkt
ljj/0f @)&&÷&* @)&*÷&( @)&(÷*)
k'FhLsf]ifsf] cg'kft (CAR) % 14.03 13.97 13.88 clgjfo{ df}Hbft cg'kft (CRR) % 4.21 4.71 4.96 a}wflgs t/ntf cg'kft (SLR) % 20.95 21.72 21.00 k|lt z]o/ cfDbfgL 18.92 19.20 18.46 k|lt z]o/ g]6jy{ 164.62 166.42 160.31 C0fkqdf Aofh 8.5% 8.5% 8.5% z'Ns tyf sldzg cfDbfgL j[l4 7% 8% 8% z'Ns tyf sldzg vr{ j[l4 3% 8% 8% cGo ;+rfng cfDbfgL j[l4 8% 8% 8%
cGo ;+rfng vr{ j[l4 3% 10% 10% u}/ ;+rfng cfDbfgL j[l4 5% 5% 5%
k|If]lkt ljQLo ljj/0f sDkgL cfkm}n] cfˆgf] bL3{sfnlg /0fgLlt cg'?k tof/ kf/]sf] xf] . a+}sn] b]zsf] cfly{s cj:yf, a+}s
tyf ljQLo ;+:yfx?sf] cj:yf tyf ljleGg lgodgsf/L lgsfox?sf] gLlt tyf Joj:yfx?sf] ;'Id ?kdf cWoog u/]/
cfˆgf] bL3{sfnLg /0fgLltx? tof/ u/]sf] 5 . ;f] /0fgLlt adf]lhd a+}sn] cfˆgf] zfvf ;~hfn lj:tf/ ug]{, JolQmut /
;fgf tyf demf}nf shf{df j[l4 ug]{, Jofh /lxt tyf lgDg Jofh x'g] rNtL / jrt lgIf]kdf j[l4 ug]{, u|fxs s]Gb|Lt gofF
of]hgfx? Nofpg], cfˆgf] cfGtl/s lgoGq0f sfo{ k|0ffnLnfO{ yk r':t agfpg], sd{rf/Lx?sf] Ifdtf clej[l4df ljsf; u/L
u|fxsx?sf] klxnf] /f]hfO{sf] a+}s aGg] /x]sf] 5 . kmn:j?k, a+}sn] cfˆgf] k|If]lkt Joj;fodf j[l4 v'b d'gfkmf tyf kF"hLdf
pRr k|ltkmn lbg ;Ifd /xg] ljZjf; lnPsf 5f+} . dfly pNn]v ul/Psf] ljQLo ljj/0f tyf k|If]k0fsf] cg'dfg tyf
cfwf/x?] xfnsf] ljQLo ahf/sf] l:ylt, a}ssf] xfnsf] bIftf / a}sn] k|fKt u/]sf] xfn ;Ddsf sfo{ k|ultsf] cfwf/df ;f]
ljQLo ljj/0fx? a:ofn P08 P;f]l;P6\; sf rf6{8 PsfpG6]G6 >L /fs]z >Lifåf/f k'g/fjnf]sg u/L l7s 5 egL k|dfl0ft
ul/Psf] 5 .
v= ljQLo cg'kft ;DaGwL ljj/0f M
-c_ ;+ul7t ;+:yfsf] ;+rfng cjlw tLg jif{ JotLt e};s]sf] cj:yfdf ljut tLg jif{sf] / tLg jif{ JotLt
e}g;s]sf] cj:yfdf ;+rfng cjlwsf] tyf cfufdL tLg jif{sf] k|If]lkt k|lt z]o/ cfDbfgL -EPS_ k|lt z]o/
g]6jy{ tyf g]6jy{df cf};t k|ltkmn lgDgfg';f/ 5 .
ljj/0f
jf:tljs k|If]lkt
074/075
075/076 076/077
077/078 078/079 079/080
k|lt z]o/ cfDbfgL ?= 19.46 23.53 17.09 18.92 19.20 18.46
k|lt z]o/ g]6jy{ ?= 176.25 173.21 167.14 164.62 166.42 160.31
;+lrt gfkmf÷ gf]S;fg -?=
xhf/df_ 852,730 1,374,922 977,696 1,265,506 1,335,398 1,378,555
ljj/0f
jf:tljs -?= nfvdf_ k|If]lkt -?= nfvdf_
074/075 075/076 076/077 077/078 078/079 079/080 r'Qmf k'FhL 70,729 80,631 85,469 95,422 103,784 118,467 hu]8f tyf sf]ifx? 53,928 59,029 57,381 61,663 68,930 71,451 s'n 124,657 139,660 142,850 157,085 172,714 189,918 36fpg] M ckn]vg ug{ aFfsL vr{ — — — — — —
30
s'n g]6jy{ 124,657 139,660 142,850 157,085 172,714 189,918 z]o/ ;+Vof 707 806 855 954 1,038 1,185 k|lt z]o/ g]6jy{ ?= 176.25 173.21 167.14 164.62 166.42 160.31 k|lt z]o/ cfDbfgL 19.46 23.53 17.09 18.92 19.20 18.46 g]6jy{ cf};t k|ltkmn 10.60 13.58 10.22 11.49 11.53 11.52 lgisfzg k"j{sf] k|lt z]o/ cfDbfgL (EPS) sfod /fVg j[l4 x'g] g]6jy{df
cfjZos Go"gtd k|ltkmn k|ltztdf .
C0fkq hf/L kZrft\ o;n] g]6jy{df k|ToIf
j[l4 gug]{
-cf_ ljut tLg jif{sf] g]6jy{df ePsf] cf}ift k|ltkmn M !!=$&Ü
k|If]lkt ljQLo ljj/0f sDkgL cfkm}n] tof/ kf/]sf] xf] / ;f] ljQLo ljj/0fx? a:ofn P08 P;f]l;P6\;sf rf6{8
PsfpG6]G6 >L /fs]z >Lifaf6 k|dfl0ft ePsf] 5 .
!)= lwtf]kq lgisfzg ;DaGwL ljj/0f M
s= lwtf]kq hf/L ug'{sf] p2]Zo M
C0fkq hf/L ug'{sf] p2]Zo lgofds lgsfosf] lgb]{zg cg'?k a}+sn] cfkm\gf] k"FhL ;+/rgf j[l4 ug'{ / k'/s
k"FhL cfjZostfnfO{ k"lt{ ug'{ /x]sf] 5 .
v= lwtf]kq lgisfzgaf6 k|fKt k"FhLsf] pkof]u M
-c_ lgisfzgaf6 k|fKt x'g] s'n /sdnfO{ k|of]u ug]{ If]q ;DaGwL ljj/0f M
o; lgisfzgaf6 k|fKt x'g] /sdnfO{ g]kfn /fi6« a+}ssf] tyf sDkgLsf] cfGtl/s lgltsf] clwgdf /lx
Aoj;fo la:tf/sf] nflu lgDg cg';f/ pkof]u ul/g]5 .
qm| ;+= shf{ lzif{s k|ltzt /sd ?=
! shf{ tyf ;fk6 !)) !,^)),))),)))
hDdf 100% 1,600,000,000
-cf_ ;fj{hlgs lgisfzg ul/g] lwtf]kq k"0f{ ?kdf laqmL gePdf ;fj{hlgs lgisfzgsf] p2]Zo k|flKt ug{sf]
nflu ckgfOg] j}slNks Joj:yf M
;fj{hlgs lgisfzg ul/g] lwtf]kq k"0f{ ?kdf laqmL gePdf ;fj{hlgs lgisfzgsf] p2]Zo k|flKt ug{sf]
nflu JolQmut tj/af6 laqmL ul/g]5 .
-O_ cfof]hgfsf] ;+rfng :yfg, cfof]hgf r/0fa4 ?kdf sfof{Gjog ul/g] eP k|To]s r/0fdf nfUg] vr{,
s'g} r/0f ;dfKt e};s]sf] eP ;f] ;DaGwL ljj/0f M
;f] gePsf] .
-O{_ cfof]hgf ;DkGg x'g], kl/If0f pTkfbg z'? x'g] / k"0f{ Joj;flos pTkfbg z'? x'g] cg'dflgt
ldlt M
;f] gePsf] .
-p_ ;+ul7t ;+:yfn] s'g} pks/0f vl/b u/]sf] jf ug{ nfu]sf] eP pQm pks/0fsf] d"No jf k|:tfljt
d"No, ;Knfo;{sf] gfd / ;Knfo;{;Fu ;Demf}tf ePsf] eP ;f] sf] d"Vo d"Vo a"Fbfx? M
;f] gePsf] .
-pm_ s'g} kf6L{;Fu k|ltlnkL clwsf/, 6«]8dfs{, Ohfhtkq, /f]oN6L, ;xsfo{ ;DaGwdf jf ljQLo jf k|fljlws
;Demf}tf ul/Psf] eP ;f] sf] k|d'v zt{x? / kf6L{sf] gfd, 7]ufgf ;DaGwL lj:t[t ljj/0f M
;f] gePsf] .
-P_ pTkfbg ;DaGwL cfof]hgf eP, ;f] sf] k|s[lt, k|of]ustf{, k|lt:kwf{, nlIft ;d"x, pTkfbg Ifdtf, ljut
jif{x?sf] Ifdtf pkef]u jf eljiodf ul/g] Ifdtf pkef]u ;DaGwL ljj/0f M
;f] gePsf] .
31
-P]_ cfof]hgfsf] nflu cfjZos sRrf kbfy{sf] pknAwtf / To;sf] >f]t M
;f] gePsf] .
-cf]_ cfof]hgfsf] nflu cfjZos x'g] ljB't, kfgL, Uof;sf] dfqf / To;sf] >f]t M
;f] gePsf] .
-cf}_ ;fj{hlgs lgisfzgsf nflu ul/g] vr{ k|d'v ?kdf b]xfodf pNn]lvt kIfx?nfO{ lbg] z'Ns ;DaGwL
ljj/0f M
-!_ lgisfzg tyf laqmL k|aGws M
o; ljj/0fkq dfkm{t ;fj{hlgs ?kn] ;j{;fwf/0fdf laqmL ul/g] C0fkqsf] lgisfzg tyf laqmL
k|aGws ;DaGwL sfo{sf nflu lgo'Qm >L glan OGe]i6d]G6 a+}lsË lnld6]8, sf7df8f}++nfO{ pQm ;]jf
k|bfg u/] jfkt Psd'i7 ?= !,)),)))÷– -cIf]?kL Ps nfv ?k+}ofF dfq_ ;]jf z'Nssf] ?kdf lbOg]5 .
-@_ 6«i6L -l8j]Gr/ lgisfzgsf] xsdf_ M
l8a]~r/ 6«i6Lsf] ;]jf k|bfg u/] jfkt >L glan OGe]i6d]G6 a+}lsË lnld6]8, sf7df8f}++nfO{ jflif{s ?=
!),)))÷– -cIf]?kL bz xhf/ ?k+}ofF dfq_ ;]jf z'Nssf] ?kdf lbOg]5 . k|yd jif{sf] nflu a}+snfO{ 6«i6L
z'Ns afktsf] /sd 5'6 ul/Psf] 5 .
-#_ qm]l86 /]l6ª z'Ns
ICRA Nepal LIMITED nfO{ C0fkq lgisf;gsf] nflu qm]l86 /]l6ª ;]jf k|bfg u/] jfkt Psd'i7
?= ^&*,)))÷— -Eof6 ;lxt_ -cIf]?kL 5 nfv c7xQ/ xhf/ ?k+}ofF dfq_ / k|To]s jif{ C0fkq
cjlw ;Ddsf nflu jflif{s ;]jf z'Nssf] ?kdf aSof}tf ?= !^),)))÷— -Eof6 afx]s_ -cIf]?kL Ps
nfv ;f7L xhf/ dfq_ b/n]] lbOg]5 .
-$_ k|Tofe"ltstf{ M
;f] gePsf] .
-%_ lj1x? M
o; ljj/0fkqdf pNn]v ul/Psf] ljQLo ljj/0f tof/ kfg]{ a}+s ckm sf7df08" lnld6]8 cfkm}+ /x]sf]
5 / o; ljj/0fkqdf pNn]v ul/P adf]lhd tof/ ul/Psf] ljQLo ljj/0f tyf k|If]k0fsf] cg'dfg
tyf cfwf/x? k'g/fjnf]sg u/L ;f] cfwf/df tof/ ljQLo k|If]k0fsf ljj/0f oyf{y k/s /x]sf] egL
k|dfl0ft ug]{ ljz]if1df /xg' ePsf] 5 . pQm ;]jf k|bfg u/] jfkt a:ofn P08 P;f]l;P6\; rf6{8
PsfpG6]G6;nfO{ ?= %),))) -Eof6 afx]s_ -cIf/]kL ?= krf; xhf/ dfq_ ;]jf z'Nssf] ?kdf
lbOPsf] 5 .
-^_ n]vfk/LIfs M
cf=j= @)&%÷&^ df o; a+}ssf] n]vfk/LIfsdf P; cf/ kf08] P08 sDkgL rf6{8{ PsfpG6]06\;
lgo'Qm ul/Psf] lyof] . pQm sDkgLnfO{ ;]jf z'Ns afkt ? !$,(),))) -Eof6 afx]s_ k|bfg ul/Psf]
lyof] . ;fy} cf=j=@)&^÷&& sf] nfuL o; a+}ssf] n]vfk/LIfsdf >L P;=P=cf/= P;f]l;o6\; rf6{8{
PsfpG6]06\; lgo'Qm ul/Psf] 5 . pQm sDkgLnfO{ ;]jf z'Ns afkt ? !$,(),))) -Eof6 afx]s_
k|bfg ul/Psf] 5 .
-&_ cGo M ;f] gePsf] .
u ;fj{hlgs lgisfzgaf6 k|fKt /sdnfO{ kl/of]hgfdf k|of]u ug{ k"j{ cGo s'g} Joj:yf ug{ nfluPsf] 5 eg] tt\
;DaGwL ljj/0f M
;f] gePsf] .
3 lk|ldoddf lwtf]kq hf/L ug]{ ePdf lk|ldod yKg' kg]{ sf/0f / cf}lrTo M
lk|ldod yk gul/Psf]] .
ª lwtf]kqsf] afF8kmfF8, lkmtf{ e'QmfgL tyf ;"rLs/0f ;DaGwL Joj:yf M
-c_ cToflws dfu jf Go"g dfu ePsf] cj:yfdf afF8kmFf8sf] k|s[of,
o; ljj/0fkq dfkm{t hf/L ul/Psf] C0fkq hf/L ;+Vof eGbf a9L ;+Vofdf C0fkq vl/bsf] nflu b/vf:t
k|fKt x'g cfPdf g]kfn lwtf]kq af]8{sf] k|rlnt lwtf]kq lgisfzg tyf aFf8kmFf8 lgb]{lzsf, @)&$ df
ePsf] Joj:yf cg';f/ C0fkqx? afF8kmFf8 ul/g]5 / C0fkq afF8kmfF8 ;DaGwL ;"rgf /fli6«o :t/sf]
b}lgs klqsfdf k|sflzt ul/g]5 . olb lgisfzg ul/Psf] C0fkqsf] ;+Vof eGbf sd C0fkq vl/bsf] nflu
b/vf:t k|fKt x'g cfPdf g]kfn lwtf]kq af]8{sf] k|rlnt Joj:yf tyf lgb]{zg adf]lhd ;~rfns ;ldltn]
lg0f{o u/L laqmL ljt/0f tyf afF8kmfF8 ul/g]5 .
32
-cf_ cToflws dfu ePsf] jf afF8kmfF8 gePsf] cj:yfdf lkmtf{ e'QmfgL ;DaGwL Joj:yf M
ælwtf]kq vl/b -;fj{hlgs lgisfzg_ ;DaGwL lgb]{lzsf, @)&#Æ cg'?k l;–cf:af (C - ASBA) ;b:o a}+s
tyf ljQLo ;+:yfaf6 dfq cfj]bg lbg ;Sg]5 / cfj]bsx?sf] ;DjlGwt a}+s tyf ljQLo ;+:yfn] g}
afF8kmfF8df gkg]{ nufgLstf{sf] lwtf]kq vl/bsf] cfj]bg adf]lhd /f]Ssf /fv]sf] vftfsf] /sd dfq /f]Ssf
km's'jf ul/lbg]5 .
-O_ lgj]bg ;fy k|fKt /sdsf] lkmtf{ e'QmfgLdf l9nfO{ ePdf lbOg] Jofhb/ M
pk/f]Qm Aoj:yf l;–cf:af (C - ASBA) ;b:o a}+s tyf ljQLo ;+:yfaf6 cfj]bg lbg] cfj]bsx?sf] xsdf
nfu' x'g] 5}g . t/ JolQmut tj/ (Private Placement) af6 cfjb]g ug]{ cfj]bsx?nfO{ lghn]
cfj]bg u/]sf] /sddf gub a'emfPsf] ;Gbe{df gub hDdf ePsf] ldlt tyf r]ssf] ;Gbe{df lSnol/ª eO{
gub hDdf ePsf] lbg b]lv C0fkqsf] afF8kmfF8 x'g' lbg;Ddsf] cjlwsf nflu a}+sn] !Ü-jflif{s_ sf b/n]
lx;fa u/L Jofh lbg]5 / ;f] Jofh jfktsf] /sd a}+sn] C0fkqafnfx?sf] l8Dof6 vftfdf pNn]v u/]sf]
a}+s vftfdf jf C0fkqafnfn] tf]s]sf] a}+s vftfdf e'QmfgL ug]{5 .
-O{_ lwtf]kq afF8kmFf8 tyf k|df0fkq hf/L ;DjGwL k|s[of / ;dofjlw M
lgisf;g ul/g] ;fwf/0f z]o/ k|rlnt lwtf]kq lgisfzg lgb]{lzsf, tyf k|rlnt z]o/ afF8kmfF8 ;DjGwL
Joj:yf cg';f/ l8a]~r/sf] afF8kmfF8 u/L tf]lsPsf] ;dofjlw leq l8Dof6 vftfdf hDdf ul/g]5 .
-p_ lwtf]kq ;"rLs/0f eO{ ;s]sf] eP, To:tf] lwtf]kq ;"lrs/0f ul/Psf] lwtf]kq ahf/sf] gfd / lwtf]kqsf]
sf/f]jf/ z'?x'gsf] nflu ;+ul7t ;+:yfn] k"/f ug{'kg]{ zt{x? ;DjGwL ljj/0f M
>L g]kfn :6s PS;r]Gh lnld6]8df o; a}ssf] z]o/ ;"lrs/0f eO{ sf/f]af/ eO/x]sf] 5 . o; ljj/0fkq
dfkm{t lgisfzg ul/g] C0fkq g]kfn lwtf]kq af]8{af6 l:js[t eP kZrft lgodfg';f/ ;"lrs/0f ul/g]
5 .
-pm_ lwtf]kq ;"rLs/0f e}g;s]sf] eP, ;+ul7t ;+:yfn] lgisfzg tyf laqmL ul/g] lwtf]kq k|rlnt P]g lgod
cg';f/ ;xh vl/b, laqmL jf ljlgdo x'g ;Sg] u/fpgsf nflu ul/g] Joj:yf ;DjGwL ljj/0f M
o; ljj/0fkq dfkm{t lgisfzg ul/g] C0fkq lwtf]kq btf{ tyf lgisfzg lgodfjnL, @)&# tyf k|rlnt
lwtf]kq lgisfzg tyf afF8kmfF8 lgb]{lzsf, @)&$ ;DaGwL Joj:yf cg';f/ C0fkqsf] afF8kmfF8 u/] kZrft
g]kfn :6s PS;r]Gh lnld6]8 tyf l;l8P; P08 lSnol/Ë lnld6]8df k|lrlnt Joj:yf cg';f/ ;"lrs/0f
tyf btf{ u/fO{ C0fkq vl/b tyf /fkm;fkmsf] nflu cfjZos Joj:yf ldnfO{g]5 .
r= k|Tofe"lt ;DaGwL ljj/0f M
-c_ lwtf]kq k|Tofe"lt ug]{ ;+ul7t ;+:yfsf] gfd, 7]ufgf / k|Tofe"lt ug]{ lwtf]kqsf] ;+Vof / /sd
;f] gePsf] .
-cf_ lwtf]kq k|Tofe"ltstf{;Fu ul/Psf] ;Demf}tfsf] d'Vo d'Vo a'Fbfx?
;f] gePsf] .
5= cfj]bg lbFbf Wofg lbg'kg]{ s'/fx? M
;j{;fwf/0fsf] xsdf M
-c_ lwtf]kqjfnfsf] clwsf/ tyf k|ltjGwfTds Joj:yfx? h:t} dtflwsf/, nfef+z, xsk|b z]o/, lwtf]kqjfnfsf]
clwsf/df kl/jt{g ug]{ k|s[of tyf lwtf]kqsf] vf/]hL cflb ;DjGwL ljj/0f M
lwtf]kqjfnfsf] clwsf/ tyf k|ltjGwfTds Joj:yfx? h:t} dtflwsf/, lwtf]kqjfnfsf] clwsf/df kl/jt{g
gug{ k|s[of tyf lwtf]kq vf/]hL cflb ;DjGwL Joj:yf k|rlnt sfg"g adf]lhd x'g]5÷ul/g]5 .
;fy} o; ljj/0f–kq cg';f/ lgisfzg ul/Psf] C0fkq vl/bsf] nflu cfj]bg u/L C0fkq afF8kmfF8 eP
kZrft\ sfod C0fkqwgLx?n] sDkgLsf] ;fwf/0f ;efdf efu lng / dtbfg ug{ kfpg] 5}gg\ .
-cf_ lgodfjnL, k|jGwkq k|fKt ug]{ jf x]g{ ;lsg] 7fpF, e'QmfgL ug]{ tl/sf, lng'kg]{ Go"gtd lwtf]kq ;+Vof / ;f]
eGbf dfly lng] ePdf s'g u'0ff‹df lng ;lsg] xf] ;f] ;DjGwL ljj/0f M
!= a}+ssf] k|aGw—kq tyf lgodfjnL /lhi68{ sfof{no sf7df08f} lhNnf, sdnkf]v/L, sf7df08f}df / o;
lgisfzg sfo{sf nflu lgo'Qm lwtf]kq lgisfzg tyf laqmL k|aGws >L glan OGe]i6d]G6 a+}lsË
lnld6]8, gS;fn, sf7df8f}++}+df sfof{no ;doleq ;Dks{ /fvL k|fKt ug{ ;lsg] 5 .
@= k|To]s cfj]bsn] sDtLdf @% lsQf / clwsQd #,)),))) lsQf l8a]~r/ vl/bsf nflu cfj]bg
lbg'kg]{5 . Go"gtd lsQf eGbf a9L lsQfsf nflu cfj]bg ug{ rfx]df ! cÍn] efuhfg] ;+Vofdf
clwsQd #,)),))) lsQfsf] l;df leq cfj]bg ug{ ;lsg]5 .
33
#= o; ljj/0fkq dfkm{t lgisfzg ul/g] l8a]~r/ vl/bsf nflu b/vf:t lbFbf b/vf:tjfnfn] b/vf:t
;fy cfkm"n] vl/b ug{ rfx]sf] C0fkq ;+Vofsf] k|lt C0fkq jfkt ?= !,)))÷–sf b/n] x'g cfpg]
Psd'i6 /sd o; lgisfzgsf] nflu tf]lsPsf] l;–cf:af (C - ASBA) ;b:o /x]sf] a+}s tyf ljQLo
;+:yfdf hDdf u/L cfj]bg lbg ;Sg]5g\ .
-O_ cfj]bg lbFbf kfng ug{'kg]{ zt{ aGb]hx? M
!= s'g} klg g]kfnL gful/s tyf ;+ul7t ;+:yfn] o; ljj/0fkq cg';f/ hf/L ul/g] C0fkq vl/b ug{ cfj]bg
lbg ;Sg]5g\ .
@= b/vf:t lbFbf l;–cf:af (C-ASBA) ;b:o a}+s tyf ljQLo ;+:yf dfkm{t cfj]bg kmf/d a'emfpg kg]{5 /
;f]xL ;+:yfaf6 pknAw u/fO{g] cfj]bg kmf/ddf pNn]lvt ;Dk'0f{ ljj/0fx? :ki6 ?kdf pNn]v ug'{kg]{5
. ;f] ;DaGwL cGo k|s[of tyf z'Ns ;DaGwL Aoj:yf ;DalGwt l;–cf:af (C-ASBA) ;b:o a}+s tyf
ljQLo ;+:yfn] cfˆgf] sfof{nosf] ;"rgf kf6L, j]a;fO{6 jf /fli6«o:t/sf] b}lgs kqklqsfdf k|sflzt
u/L tf]s]adf]lhd x'g]5 .
#= cfj]bsx?n] cfj]bg lbFbf cf:jf ;b:o a}+sx?df /x]sf] cfj]bg jfktsf] /sd /f]Ssf /flvg] vftf cGo
s'g} k|sf/n] /f]Ssf /x]sf] jf lglis|o /x]sf] x'g'x'b}g .
$= Ps JolQmn] cfkm"n] vl/b ug{ rfx]sf] C0fkqsf] nflu Ps eGbf a9L b/vf:t lbg] kfOg] 5}g . olb Ps
JolQmsf] gfddf Ps eGbf a9L cfj]bg k|fKt x'g cfPdf ;Dk"0f{ b/vf:tnfO{ /2 ul/g]5 .
%= l/tk"j{s k|fKt gePsf] b/vf:t kmf/dnfO{ C0fkq afF8kmfF8df ;dfj]z ul/g] 5}g / ;f] sf] lhDd]jf/
b/vf:tjfnf :jo+ x'g]5 .
= lwtf]kq vl/bsf] nflu b/vf:t lbFbfsf] cj:yfdf jf b/vf:t lbO{;s]kl5 vl/b u/]sf] lwtf]kq jfktsf]
/sd e'QmfgL gx'Fb} k|rlnt sfg'g adf]lhd clwsf/ k|fKt clwsf/L jf lgsfoaf6 nufgLstf{sf] vftf
/f]Ssf /fVg] cfb]z k|fKt ePdf lgisfzg tyf ljs|L k|aGwsn] To:tf] b/vf:t kmf/dnfO{ /2 ul/g] xF'bf ;f]
s'/fsf] hfgsf/L cfj]bs :jo+n] a'em\g' kg]{5 .
&= ?= %,)),)))÷– ;Ddsf] nflu cfj]bg lbg] cfj]bsn] :j]lR5s ?kdf / ;f]eGbf a9L /sdsf] nflu
cfj]bg lbg] cfj]bsn] clgjfo{ ?kdf cfj]bgdf cfkm\gf] :yfoL n]vf gDa/ (PAN) v'nfpg'kg]{5 . o;
cltl/Qm ?= %,)),)))÷– jf ;f]eGbf a9L /sd cfj]bg lbg] cfj]bsx?n] cfkm"n] cfj]bg lbFbf hDdf
u/]sf] /sd ;DklQ z'4Ls/0f P]gsf] alv{nfk x'g] u/L cfh{g gu/]sf] egL pb\3f]if0f ug'{kg]{5 .
JolQmut tj/ (Private Placement) sf] xsdfM
-c_ lgisfzg ul/g] l8a]~r/ ;+Vof
bz jif{ cjlw tyf jflif{s *=% k|ltzt Jofhb/ ePsf] k|lt l8a]~r/ ?= !,)))÷— c+lst d"Nosf (
nfv ^) xhf/ lsQf l8a]~r/n] x'g cfpg] s'n ?= (^ s/f]8 C0fk"FhL /sd ljleGg JolQm jf ;+3
;+:yfx?nfO{ JolQmut tj/ (Private Placement) af6 laqmL ul/g] .
-cf_ lng'kg]{ Go"gtd l8a]~r/ ;+Vof / b/vf:t ;fy k7fpg' kg]{ k]ZsL /sdM
o; ljj/0fkq dfkm{t lgisfzg ul/g] l8a]~r/ vl/bsf nflu b/vf:t lbFbf b/vf:tjfnfn] sDtLdf @% /
;f]eGbf a9Lsf nflu cfj]bg ug{ rfx]df ! cÍn] efuhfg] ;+Vofdf b/vf:t;fy cfkm"n] vl/b ug{ rfx]sf]
C0fkq ;+Vofsf] k|lt C0fkq jfkt ?= !,)))÷—sf b/n] x'g cfpg] Psd'i6 /sd o; lgisfzgsf] nflu
o; a+}ssf] ;Dk"0f{ zfvf sfof{nox? tyf laqmL k|aGws >L glan OGe]i6d]G6 a+}lsË lnld6]8df hDdf
u/L cfj]bg lbg ;Sg]5g\ .
-O_ l8a]~r/ laqmL v'Nnf cjlw M
34
o; lgisfzg JolQmut tj/af6 ul/g] ePsf]n] lwtf]kq af]8{af6 :jLs[lt kZrft v'Nnf x'g]5 / ;fj{hlgs
lgisfzg ;+u} aGb x'g]5 .
-O{_ l8a]~r/ vl/bsf nflu k'0f{ cfj]bg k|fKt geO{ afFsL /xg uPsf l8a]~r/x?sf] ljs|L ug]{ ;DaGwL Joj:yf
M
l8a]~r/ vl/b v'Nnf cjlwdf ;Dk"0f{ l8a]~r/ laqmL geO{ afFsL /xg uPdf To;/L afFsL /xg uPsf
l8a]~r/x?sf] ;DaGwdf ;fj{hlgs lgisfzg ug{ nfluPsf] l8a]~r/sf] ;fj{hlgs lgisfzg -Public
Issue_ dfkm{t laqmL ul/g]5 .
-p_ l8a]~r/ vl/b ug{ rfxg] cfj]bsx?n] kfngf ug'{kg{] d'Vo s'/fx? M
!= s'g} klg g]kfnL gful/s tyf ;+3 ;+:yfn] o; ljj/0f cg';f/ hf/L ul/g] C0fkq vl/b ug{ cfj]bg
lbg ;Sg]5g\ . cfj]bsn] cfkm'n] lng rfx]sf] C0fkq, clwstd l;df v'Ng] u/L olx a}+ssf] laqmL
k|jGwsnfO{ lnlvt ?kdf lgj]bg k]z ug'{kg]{ 5 .
@= cfj]bg lbFbf cfkm'n] vl/b ug{ rfx]sf] C0fkq ;+Vof / To;sf] /sd v'nfO{ cfj]bg lbg'kg]{5 .
#= cfj]bg kmf/d g]kfnL jf c+u|]hL s'g} Ps efiffdf k]z ug'{kg]{5 .
$= cfj]bsn] cfj]bg;fy cfkm'n] vl/b ug{ rfx]sf] C0fkq ;+Vofsf] k|lt C0fkq ?= !,)))÷— sf] b/n]
x'g cfpg] /sd a/fa/sf] glan OGe]i6d]G6 a}lsË lnld6]8sf] gfddf lvlrPsf] Psfp06 k]oL r]s
;+nUg ePsf] x'g'kg]{5 . o;/L r]s dfkm{t /sd a'´fpg' x'g] cfj]bsx?n] cfj]bgdf ;f] r]ssf] gDa/
/ r]ssf] k5fl8 cfj]bssf] gfd clgjfo{ ?kdf v'nfpg' kg]{5 . o;sf] cnfjf, lgj]bsn] glan
OGe]i6d]G6 a}lsË lnld6]8sf] gfddf A/C Transfer u/L Credit Advice lgj]bgsf] ;fydf ;+nUg klg
ug{ ;Sg]5 .
%= sDkgL jf ;+:yfn] C0fkqsf nflu cfj]bg lbFbf sDkgL jf ;+:yfsf] btf{ k|df0fkqsf] k|ltlnlk /
nufgL ug]{ ;DaGwdf ;+rfns ;ldltsf] lg0f{o ;dfj]z u/]sf] x'g'kg]{5 .
^= ?= %,)),)))÷– ;Ddsf] nflu cfj]bg lbg] cfj]bsn] :j]lR5s ?kdf / ;f]eGbf a9L /sdsf] nflu
cfj]bg lbg] cfj]bsn] clgjfo{ ?kdf cfj]bgdf cfkm\gf] :yfoL n]vf gDa/ (PAN) v'nfpg'kg]{5 . o;
cltl/Qm ?= %,)),)))÷– jf ;f]eGbf a9L /sd cfj]bg lbg] cfj]bsx?n] cfkm"n] cfj]bg lbFbf hDdf
u/]sf] /sd ;DklQ z'4Ls/0f P]gsf] alv{nfk x'g] u/L cfh{g gu/]sf] egL pb\3f]if0f ug'{kg]{5 .
!!= ;DalGwt kIf aLrsf] sf/f]jf/ ;DaGwL ljj/0f M
sDkgL / lgDglnlvt kIf aLr ljut @ jif{sf] cjlwdf s'g} k|sf/sf] j:t'ut sf/f]jf/ ePsf] jf s'g} sf/f]jf/ ug{
k|:tfj ul/Psf] eP sf/f]af/df ;+nUg JolQmx?sf] gfd, ltgLx?sf] ;+:yf;Fusf] ;DaGw, sf/f]jf/sf] k|s[lt / /sd
;DaGwL ljj/0fM
-s_ ;+ul7t ;+:yfsf] sfo{sf/L clws[t jf ;+rfnssf] ?kdf /x]sf] JolQm M
sf/f]jf/ gePsf] .
-v_ cfwf/e"t z]o/wgL M
sf/f]jf/ gePsf] .
-u_ v08 -s_ / -v_ df pNn]lvt s'g} JolQmsf] Psf3/ kl/jf/sf] ;b:o M
sf/f]jf/ gePsf] .
-3_ ;+ul7t ;+:yfsf] sfo{sf/L clws[t jf ;+rfns jf cfwf/e"t z]o/wgLn] #) k|ltztjf ;f] eGbf a9L
dtflwsf/ x'g] u/L z]o/ :jfldTj u|x0f u/]sf] sDkgL jf ;+ul7t ;+:yf M
sf/f]jf/ gePsf] .
-ª_ ;+ul7t ;+:yfsf] jf o;sf] ;xfos sDkgLn] xfnsf] ;+rfns jf lghsf] Psf3/ kl/jf/sf] ;b:osf nflu
s'g} sf/f]af/ jf ;Demf}tf u/]sf] 5 eg] ;f] jf ljj/0fkq k|sfzg ug'{ eGbf # jif{ cufl8sf] cjlwdf ljQLo
;+:yfsf]] ;+rfns jf ;+rfnssf] Psf3/ kl/jf/sf] ;b:osf nflu s'g} sf/f]af/ jf ;Demf}tf u/]sf] eP ;f]
35
s'/f M
sf/f]jf/ gePsf] .
-r_ s'g} ;+rfns jf ;+rfnssf] Psf3/ kl/jf/sf] ;b:onfO{ s'g} C0f lbPsf] jf lgh;Fu lnPsf] eP pQm C0f
;DaGwL lj:t[t ljj/0f h:t} C0f afkt lnPsf] /sd, C0fsf] Jofhb/, C0f lnPsf] ldlt, C0f e'QmfgL
cjlw cflbsf] ljj/0f M
sf/f]jf/ gePsf] .
!@= ljb]zL nufgL / Joj:yfkg ;DaGwL ljj/0f M
;f] gePsf] .
!#= ;"rLs[t ;+ul7t ;+:yfn] ;fj{hlgs lgisfzg ug]{ ePdf ;f] ;DaGwL ljj/0f M
-s_ ;+ul7t ;+:yfsf] ljut # cf=j=sf] k|To]s q}dfl;s cjlwsf] pRrtd, Go'gtd / clGtd ahf/ d"Nosf ;fy}
sf/f]jf/ ePsf] z]o/ ;+Vof M
cfly{s jif{ q}dfl;s cjlw Go"gtd d"No clwstd d"No clGtd d"No
sf/f]jf/ z]o/ ;+Vof
-? xhf/df_
2076/77
k|yd 226 278 227 10,21,629
bf];|f] 210 238 230 8,37,034
t];|f] 212 296 218 22,79,434
rf}yf] 186 230 219 2,28,431
2075/76
k|yd 250 350 327 8,24,543
bf];|f] 270 345 274 9,86,824
t];|f] 231 274 238 10,32,196
rf}yf] 252 299 255 14,89,364
2074/075
k|yd 415 503 433 12,64,162
bf];|f] 395 458 404 10,42,937
t];|f] 294 409 334 8,20,762
rf}yf] 250 368 264 5,74,669
gf]6 M z]o/sf] cBfalws ahf/ d"No g]kfn :6s PS;r]Gh lnld6]8n] k|sflzt ug]{ ahf/ d"No ;"lr dfkm{t\ hfgsf/L lng ;lsg]5 .
-v_ lwtf]kq af]8{df ljj/0fkq btf{sf nflu k|:t't ug'{eGbf ^ dlxgf cufl8sf] cjlwsf] dflzs ?kdf pRr, Go"g /
clGtd d"Nosf ;fy} k|To]s dlxgfdf sf/f]af/ ePsf] s'n lbg / s'n sf/f]af/ ePsf] lwtf]kqsf] ;+Vof M
ljj/0f Go"gtd d'No clwstd d'No clGtd d'No sf/f]jf/ ePsf]
lwtf]kqsf] ;+Vof sf/f]af/ ePsf] s'n lbg
c;f]h @)&& 247 295 273 24,50,283 21
ebf} @)&& 219 257 247 12,39,836 22
;fpg @)&& 216 260 226 7,67,085 21
c;f/ @)&& 186 230 219 2,28,207 13
h]7 @)&& - - - - -
a}zfv @)&& 206 214 206 224 2
r}q @)&^ 212 239 218 3,14,809 6
36
kmfNu'0f @)&^ 229 296 239 13,76,194 19
df3 @)&^ 225 252 234 5,88,431 21
gf]6 M z]o/sf] cBfalws ahf/ d"No g]kfn :6s PS;r]Gh lnld6]8n] k|sflzt ug]{ ahf/ d"No;"lr dfkm{t\ hfgsf/L lng ;lsg]5 .
!$= kl5Nnf] ;fj{hlgs lgisfzgsf] cg'dfg tyf pknAwL ;DaGwL ljj/0f M
o; eGbf cufl8 a}+sn] ;+:yfks z]o/ lnnfdL u/]sf] lyof] . pQm ljj/0fdf pNn]v eP adf]lhd p2]Zo k|flKtsf nflu
a}+sn] cfkm\gf] sfo{ ul//x]sf] / cf=j= @)&^÷&& sf] k|If]lkt ljQLo ljj/0f / xfn n]vfkl/If0f kl5sf] ljQLo ljj/0fsf]
t'ngfTds ljj/0f b]xfo adf]lhd /x]sf] 5 .
jf;nft
?= nfvdf
k"FhL tyf bfloTj
cfly{s jif{ @)&^÷&& km/s k|ltzt
s}lkmot
jf:tljs k|If]lkt -Ü_
!= z]o/ k"FhL 85,469 80,000 6.84
g]=/f=a}+saf^ hf/L lgb]{zg adf]lhd Go"gtd r'Qmf k"+hL ?= 8 ca{ k'¥ofpg' kg]{ ;DaGwdf ;fljssf] a+}}s ckm sf&df)*" ln / ;fljssf] n'lDjgL a}+s ln= Ps cfk;df ufleg'sf ;fy} af]g; z]o/ ;d]t\ hf/L ul/Psf]n] .
@= hu]8f tyf sf]ifx? 57,381 42,105 36.28 a}+ssf] d"gfkmfdf cfPsf] a[l$n] ubf{ .
#= l8a]~r/ tyf aG8 6,248 6,000 4.14
$= ltg{ afFls shf{
;fk6 1,623 540 200.48 g]=/f=a}+saf^ lnPsf] k"g{shf{
/sd k|If]k)feGbf w]/} ePsf]n] .
%= lgIf]k bfloTj 932,844 1,080,038 (13.63) sf]le* 19 sf] sf/)fn] Joj;fodf ePsf] ;+s"rgn] ubf{ .
^= e'QmfgL lbg'kg]{
ljnx? 252 336 (24.92) ljnx?sf] a[l$ k|ltzt
k|If]k)feGbf sd ePsf]n] .
&= k|:tfljt gub
nfefFz - 13,600
k|If]k)fdf gub nfef+z k|bfg ug]{ kl/sNkgf ul/Psf] ePtf klg xfn ljQLo ljj/)fx? PgPkmcf/P; adf]lhd tof/ ubf{ k|:tfljt af]gz /sd tyf gub nfef+zsf] /sd n]vf;¤u ;DalGwt l^Kk)fLdf pNn]v ul/g] ePsf] / pQm /sd e"QmfgLsf] a]nf dfq ljQLo ljj/)fdf n]vf°g ul/g] x"¤bf .
*= cfos/ bfloTj - - d"gfkmfdf cfPsf] km/sn]] .
(= cGo bfloTj 11,742 34,916 (66.37)
s'n k"FhL tyf bfloTj 1,095,559 1,257,535
;DklQ -
!= gub df}Hbft 17,260 24,756 (30.28)
@= g]kfn /fi6« a}+sdf
/x]sf] df}Hbft 93,633 76,705 22.07
37
#= a}+s / ljQLo
;+:yfdf /x]sf] df}Hbft 6,480 14,521 (55.38)
$= dfu tyf cNk
;"rgfdf k|fKt x'g]
/sd
- -
%= nufgL 167,387 175,161 (4.44) sf]le* 19 sf] sf/)fn] Joj;fodf ePsf] ;+s"rgn] ubf{ .
^= shf{ ;fk6 tyf
ljn vl/b 794,011 939,005 (15.44)
sf]le* 19 sf] sf/)fn] Joj;fodf ePsf] ;+s"rgn] ubf{ .
&= l:y/ ;DklQ 8,496 15,779 (46.16) k|If]k)f ul/Psf] vl/beGbf jf:tljs vl/b sd ePsf]n] .
*= u}/ a}lsÍ ;DklQ 247 259 (4.64) u}/ a}ls¤u ;DklQsf] ljlqm ePsf]n] .
(= cGo ;DklQ 8,046 11,348 (29.10) a}ssf]] sf/f]af/df a[[$Ln] ubf{ .
s'n ;DklQ 1,095,559 1,257,535
gfkmf gf]S;fg lx;fj
?= nfvdf
ljj/0f jf:tljs k|If]lkt km/s k|ltzt-Ü_ s}lkmot
Jofh cfDbfgL 99,809 111,047 (10.12) sf]le8 !( sf] sf/0fn]
Joj;fodf ePsf] ;+s"rgn] ubf{
.
Jofh vr{ 64,057 69,190 7.42 v'b Aofh cfDbfgL 35,752 41,856 (14.58)
sldzg tyf l8:sfp06 4,893 3,282 49.11 shf{sf] ;]Jff Zf""Ns cGo ;+rfng
cfDbfgLdf juL{s/0f ul/Psf]n]
a}ssf]] Joa;fodf a[[4Ln] ubf{ .
cGo ;+rfng cfDbfgL 522 3,793 (86.23) sf]le8 !( sf] sf/0fn]
Joj;fodf ePsf] ;+s"rgn] ubf{
.
;6xL 36a9 cfDbfgL 3,223 3,819 (15.61)
s"n ;+rfng cfDbfgL 44,390 52,750 (15.85)
sd{rf/L vr{ 8,778 12,124 27.59 sd{rf/L vr{sf] a[l$ k|ltzt k|If]k)feGbf sd ePsf]n] .
cGo ;+rfng vr{ 6,695 8,179 18.14 cGo ;+rfng vr{sf] a[l$ k|ltzt k|If]k)feGbf sd ePsf]n] .
;6xL 36a9 gf]S;fg - -
;Defljt gf]S;fgL Aoa:yf cl3sf]
;+rfng d'gfkmf 28,917 32,447 (10.88)
;Defljt gf]S;fgL Aoa:yfx/m 5,637 1,153 388.80 o; cf= a= df v/fa shf{sf]
;Defljt gf]S;fgL Joj:yf w]/}
ePsf]n] .
;+rfng d'gfkmf 23,280 31,294 (25.61)
u}/ ;+rfng cfDbfgL÷vr{ 125 100 25.00 k|If]lkt ljQLo ljj/0feGbf
ckn]lvt shfsf] c;"nL w]/}
ePsf]n] .
;Defljt gf]S;fgL Aoa:yfaf6
lkmtf{ - - —
38
lgoldt sf/f]af/af6 ePsf] d'gfkmf 23,405 31,394 (25.45) dfly pNn]lvt sf/0fx?n] ubf{
d'gfkmfdf kl/jt{gsf sf/0f .
c;fdfGo sf/f]af/x/maf6 ePsf]
cfDbfgL÷-vr{_ - 100
;Dk"0f{ sf/f]af/ ;dfj]z kl5sf] v"b
d'gfkmf 23,405 31,494 (25.68) dfly pNn]lvt sf/0fx?n] ubf{
d'gfkmfdf kl/jt{gsf sf/0f .
sd{rf/L af]g; Joj:yf 2,341 2,863 (18.25) dfly pNn]lvt sf/0fx?n] ubf{
d'gfkmfdf kl/jt{gsf sf/0f .
cfos/ Joj:yf 6,458 8,589 (24.82) dfly pNn]lvt sf/0fx?n] ubf{
d'gfkmfdf kl/jt{gsf sf/0f .
o; jif{sf] s/ Joj:yf 6,647 -
ljut jif{;Ddsf] s/ Joj:yf 51 -
o; jif{sf] :yug s/ -cfDbfgL_ /
vr{ (240) -
v'b gfkmf÷-gf]S;fg_ 14,607 20,042 (27.12) dfly pNn]lvt sf/0fx?n] ubf{ .
!%= k/fdz{bftf÷ljz]if1 ;DaGwL ljj/0f M
-s_ n]vfk/LIfs÷ k|d'v a}+s, lgisfzg sfo{ ;+u ;+nUg a}+s, k|If]klt ljQLo ljj/0f 7Ls 5 egL k|dfl0ft ug]{ lj1
cflbsf] gfd tyf 7]ufgf
n]vfk/LIfs M
sDkgLsf] cf=j= @)&%÷&^ sf] cfDbfgL vr{ lx;fa tyf jf;nftsf] n]vfk/LIf0f P; cf/ kf08] P08 sDkgL
rf6{8{ PsfpG6]06\;n] u/]sf] lyof] . pQm cfly{s jif{sf] n]vfk/LIfssf] k|ltj]bg o; ljj/0f kq ;fy ;+Ung
ul/Psf] 5 . sDkgLsf] cf=j= @)&^÷&& sf] cfDbfgL vr{ lx;fa tyf jf;nftsf] n]vfk/LIf0f ug{ >L P;= P=
cf/ P;f]l;o6\; rf6{8{ PsfpG6]06\;nfO{ lgo'Qm ul/Psf] 5 .
lgisfzg a}+s (Bankers to the Issue) M
o; ljj/0fkq dfkm{t lgisflzt C0fkqx?sf] nflu lgisfzg a}+s (Banker to the Issue) sf] ?kdf a}s ckm
sf7df08" lnld6]8nfO{ tf]lsPsf] 5 .
ljQLo k|If]k0fsf] ljj/0f tof/ kfg]{ lj1 M
o; ljj/0fkqdf pNn]v ul/Psf] ljQLo ljj/0f tof/ kfg]{ lj1df lgisfzg sDkgL cfkm}+ /x]sf] 5 .
ljQLo k|If]k0fsf] cg'dfg tyf cfwf/x? k'g/fjnf]sg u/L ljj/0f 7Ls 5 egL k|dfl0ft ug]{ lj1M
o; ljj/0fkqdf pNn]v ul/P adf]lhd tof/ ul/Psf] ljQLo ljj/0f tyf k|If]k0fsf] cg'dfg tyf cfwf/x?
k'g/fjnf]sg u/L ;f] cfwf/df tof/ ul/Psf ljQLo k|If]k0fsf ljj/0f oyfy{k/s /x]sf] egL k|dfl0ft ug]{
ljz]if1df a:ofn P08 P;f]l;P6\; sf rf6{8 PsfpG6]G6 >L /fs]z >Lif Ho' /xg' ePsf] 5 .
-v_ dfly v08 -s_df pNn]lvt ;+:yf jf JolQm;Fu ePsf] ;xdltsf d'Vo d'Vo a"Fbf tyf zt{x? M
n]vfk/LIfs M
n]vfk/LIfsn] a+}ssf] cf=j= @)&%÷&^ sf] n]vfk/LIf0f u/L k|ltj]bg k]z ug]{ .
lgisfzg a}+s (Bankers to the Issue)M lkmtf{ e'QmfgL ubf{ s'g} k|sf/sf] ´G´6 gxf]; eGg] ;d]t p2]Zon] lgisflzt C0fkqdf nufgLstf{x?af6 k|fKt
nufgL /sd lgisfzg a}+s (Bankers to the Issue) df vf]lnPsf] C0fkq vftfdf hDdf u/L ;f] sf] ;+o'Qm
;'/If0f lgisfzg sDkgL tyf lwtf]kq lgisfzg tyf laqmL k|aGwssf] /xg]5 .
!^= kl/of]hgf ;DkGg ug{sf] nflu ;fj{hlgs lgisfzg afx]s cGo ljQLo>f]tx? k|of]u ul/Psf] 5÷5}g, tt\ ;DaGwL
ljj/0f M
;f] gePsf] .
!&= d'2f tyf ljjfb ;DaGwL ljj/0f M
-s_ ;+ul7t ;+:yfsf] t/ntf, df}Hbft, sfo{ ;+rfngdf tflTjs c;/ kg]{ vfnsf] s'g} d'2fdfldnf jf ljjfb eP ;f]
;DaGwL ljj/0f tyf pk/f]Qm d'2f jf ljjfbsf] sf/0faf6 kg{ ;Sg] k|efj ;DaGwdf Joj:yfkgsf] wf/0ff M
;f] gePsf] .
39
-v_ ;+ul7t ;+:yfnfO{ c;/ kg]{ u/L ;+:yfsf] ;+:yfks÷;+rfnsn] jf nfO{ bfo/ ul/Psf] d'2f ;DaGwL ljj/0f M
;f] gePsf] .
-u_ ljut kfFr jif{df ;+ul7t ;+:yfsf] s'g} ;+:yfks÷;+rfns sfnf];"rLdf k/]sf] jf s'g} g}lts jf cfly{s sf/0faf6
s'g} lgodg lgsfo jf cbfntn] ;hfo u/fPsf] eP, To:tf] ;+:yfks÷;+rfnssf] gfd / ;hfo ug]{ lgodg lgsfo
jf cbfntsf] gfd ;DaGwL ljj/0f M
;f] gePsf] .
-3_ ;+ul7t ;+:yf a}+s jf ljQLo ;+:yfdf C0f glt/L l8kmN6 ePsf], lgod cg';f/sf] z'Ns glt/]sf], lwtf]kqjfnfx?sf]
s'g} /sd e'QmfgL gul/Psf] eP tT;DaGwL ljj/0f M
;f] gePsf] .
!*= u'gf;f] ;'Gg] / ;dfwfg ug]{ k|s[of M
lgisflzt lwtf]kq ;DaGwL nufgLstf{x?sf] u'gf;f] tyf ;'emfj ;'Gg tyf ;f] sf] ;dfwfgsf nflu lwtf]kq
lgisfzg tyf laqmL k|aGws glan OGe]i6d]G6 a}+lsË lnld6]8, gS;fn, sf7df08f}+df >L /lj af]DhdnfO{ (&&—)!—
$$!! )$ df ;Dk{s ug{ ;lsG5 .
!(= gub glnO{ s;}nfO{ lwtf]kq lgisfzg ul/Psf] 5 eg] To:tf] JolQm jf ;d"xsf] gfd, vl/b ul/Psf] ;DklQ jf ;]jf
;DaGwL ljj/0f, lgisfzg ul/Psf] lwtf]kqsf] ;+Vof / b/ ;DaGwL ljj/0f M
;f] gePsf] .
@)= C0fkq lgisfzg ;DaGwL ljj/0f M
-s_ o; ljj/0f–kqdfkm{t lgisfzg ug{ nfluPsf] ælacf]s] l8a]~r/ @)*^Æ ;DaGwL ljj/0f b]xfo adf]lhd /x]sf] 5M
-c_ C0fkq lgisfzgsf] zt{, aGb]hx? M
C0fkq lgisfzg ;DaGwL zt{ / aGb]h o; ljj/0fkqsf] a'Fbf gDa/ !)-5_ df 5 .
-cf_ C0fkqsf] cjlw (Maturity Period) M o; C0fkqsf] cjlw C0fkqsf] afF8kmfF8 ePsf] lbgaf6 !) -bz_ jif{sf] x'g]5 . ;f] cjlw kZrft sDkgLn]
o; C0fkqsf] ;fFjf / clGtd ls:tfsf] ltg{ AffFsL Jofh /sd Psd'i6 e'QmfgL ug]{5 .
-O_ lgisfzg ul/g] C0fkqsf] /sd M
bz jif{ cjlw tyf jflif{s *=% k|ltzt Jofhb/ ePsf] k|lt l8a]~r/ ?=!,)))÷— c+lst d"Nosf ^ nfv
$) xhf/ lsQf l8a]~r/n] x'g cfpg] s'n ?= ^$ s/f]8 C0fk"FhL /sd -%Ü cyf{t #@,))) lsQf ;fd'lxs
nufgL sf]ifsf nflu 5'§ofO{Psf] ;d]t_ ;j{;fwf/0f g]kfnLsf] nflu, ;fj{hlgs lgisfzgaf6 laqmL ul/g]
tyf ( nfv ^) xhf/ lsQf l8a]~r/n] x'g cfpg] s'n ?= (^ s/f]8 C0fk"FhL /sd ljleGg JolQm jf ;+3
;+:yfx?nfO{ JolQmut tj/ (Private Placement) af6 laqmL ul/g] .
-O{_ C0fkq ;fwf/0f z]o/df kl/jt{g x'g] jf gx'g] M
o; ljj/0fkq cg';f/ lgisfzg ul/g] C0fkq !) -bz_ jif{sf] cjlw kZrft Psd'i6 ?kdf lkmtf{ ul/g]
ePsfn] pQm C0fkq ;fwf/0f z]o/df kl/0ft gx'g] .
-p_ C0fkqsf] Jofhb/ (Coupon Interest Rate) / Jofh e"QmfgL ug]{ cjlw÷;do (Interest Payment Period) M o; C0fkqsf] jflif{s Jofhb/ *=%% x'g]5 . o; C0fkqdf cflh{t Aofh /sd C0fkq afxsx?nfO{ k|To]s
cfly{s jif{sf] k|yd cw{jflif{s -kf}if d;fGt_ / bf]>f] cw{jflif{s -cfiff9 d;fGt_ ;dfKt eP kZrft e'QmfgL
lbOg]5 . a}+ssf] sf/0fn] Jofh e'QmfgLsf] ljifodf ePsf] Aoj:yfsf] kfngf geP a}+snfO{ yk cfly{s bfloTj
nfu' x'g ;Sg]5 . t/ aGb, x8tfn, skm\o'{, nufot s'g} klg lsl;dsf b}jL k|sf]ksf sf/0fn] a}+sn] e'QmfgL
lbg g;s]df a}+s lhd]jf/L x'g]5}g . a}+sn] o; C0fkqaf6 cflh{t Jofh /sd C0fkqafnfx?sf] l8Dof6
vftfdf pNn]v u/]sf] a}+s vftfdf e'QmfgL ug]{5 .
-pm_ C0fkq e'QmfgL hu]8f sf]if (Debenture Redemption Reserves) ;DaGwL Joj:yf M
a}+sn] C0fkqnfO{ lgwf{l/t !) jif{sf] ;dofjlwdf lkmtf{ e'QmfgL ug{sf nflu æC0fkq e'QmfgL hu]8f sf]ifÆ
(Debenture Redemption Reserve) sf] Joj:yf ug]{5 . C0fkqsf] cjlwdf a}+ssf] e'QmfgL of]Uo
d'gfkmfaf6 C0fkq lgisfzg ePsf] cfly{s jif{ / e'QmfgL x'g] cfly{s aif{ afx]s cGo cfly{s jif{df k|To]s
jif{ jflif{s d'gfkmfaf6 ;dfg'kflts ?kdf jf g]kfn /fi6« a}+sn] tf]s] adf]lhdsf] b/n] x'g] /sd C0fkq
e'QmfgL hu]8f sf]ifdf /sdfGt/ ug{]5 . a}+sn] s'g} cfly{s aif{df rfx]cg'?k gfkmf cfh{g ug{ g;s]df ;d]t
;f] sf]ifdf /sdfGt/ ug'{kg]{ /sd ;+lrt d'gfkmfaf6 5'§\ofpg]5 .
40
gf]6 M C0fkqsf] cjlwdf a}+ssf] gfkmf gf]S;fg lx;faaf6 C0fkq lgisfzg ePsf] cfly{s jif{ / e'QmfgL x'g]
cfly{s jif{ afx]ssf cGo cfly{s jif{df k|To]s jif{ jflif{s ;dfg'kflts ?kdf ? !&&,&&&,&&&=&*÷–sf]
b/n] x'g] /sd C0fkq e'QmfgL hu]8f sf]ifdf /sdfGt/ ug]{5 .
-P_ C0fkqjfnfx?sf] clwsf/ M
o; ljj/0fkq dfkm{t lgisfzg x'g] C0fkq vl/b ug]{ C0fkqjfnfx?nfO{ sDkgL P]g, @)^# tyf cGo
k|rlnt sfg"g adf]lhd C0fkqjfnfnfO{ k|fKt x'g] ;Dk"0f{ xs, ;'ljwf k|fKt x'g]5 . t/ To:tf
C0fkqjfnfx?nfO{ ;fwf/0f ;efdf pkl:yt x'g] tyf dtbfg ug]{ clwsf/ x'g] 5}g .
-v_ ;+ul7t ;+:yfsf] ;DklQdf C0fkqjfnfsf] xs ;DaGwL ljj/0fM
o; ljj/0fkq dfkm{t lgisfzg x'g] C0fkq a}+ssf] ;DklQ ;'/If0f g/fvL lgisfzg ul/Psf] c;'/lIft C0f
(Unsecured Debt) ePsf] / sy+sbflrt a}+s 6f6klN6Pdf cGo ;'/lIft ;fx" / lgIf]kstf{ eGbf kl5 dfq e'QmfgLdf
k|fyldstf x'g] u/L lgisfzg ul/Psf] ;xfos C0f (Subordinated Debt) ePsf] x'Fbf k|rlnt sfg"gn] k|bfg u/]sf]
afx]s sDkgLsf] ;DklQdf C0fkqjfnfsf] s'g} lglb{i6 xs -Specific charge_, clwsf/ x'g] 5}g . o; ljj/0fkq dfkm{t
lgisfzg ul/g] C0fkqwgLsf] a}+ssf] ;DklQdf l4tLo xs x'g]5 . a}+ssf] ;DklQdf lgIf]kstf{sf] k|yd xs nfUg]5
. a}+ssf] ;DklQ dWo] k|yd xsjfnfsf] /sd cfiff9 d;fGt @)&& df ?= (#=@* ca{ /x]sf] 5 .
-u_ C0fkq 6«i6Lsf] ?kdf sfo{ ug]{ ;+:yfsf] gfd, 7]ufgf tyf sDkgL / 6«i6LaLr ePsf] ;Demf}tf (Trustee Deed) sf
k|d'v a'Fbfx?M
C0fkq lgisfzg ubf{ 6«i6L lgo'Qm ug'{ kg]{ Joj:yf cg'?k ldlt @)&^÷)(÷)@ df ;Demf}tf eO{ lgDgfg';f/
C0fkq 6«i6Lsf] Joj:yf ul/Psf] 5 .
-c_ C0fkq 6«i6Lsf] ?kdf sfo{ ug]{ ;+:yfsf] gfd tyf 7]ufgf M
C0fkq 6«i6Lsf] ?kdf sfo{ ug]{ ;+:yfdf g]kfn lwtf]kq af]8{af6 lgisfzg tyf laqmL k|aGwssf] k|df0f—kq
k|fKt lwtf]kq Joj;foL >L glan OGe]i6d]G6 a+}lsË lnld6]8, gS;fn, sf7df8f+} /x]sf] 5 .
-cf_ C0fkq 6«i6L eP afkt lng] ;]jf z'Ns M
o; ljj/0f–kqdfkm{t ;j{;fwf/0fdf tyf JolQmut tj/af6 ljleGg JolQm jf ;+3 ;+:yfx?nfO{ laqmL ul/g]
C0fkqsf] 6«i6Lsf] ?kdf lgo'Qm >L glan OGe]i6d]G6 a+}lsË lnld6]8 sf7df08f+}+nfO{ lghn] pQm ;]jf k|bfg u/]
jfkt aflif{s ?= !),)))÷– -cIf/]kL bz xhf/ ?k+}ofF dfq_ /sd 6«i6L ;]jf pknJw u/fPsf] ;dofjlwsf nflu
;]jf z'Nssf] ?kdf lbOg]5 . k|yd aif{sf] nflu a}+snfO{ 6«i6L z'Ns afktsf] /sd 5'6 ul/Psf] 5 .
-O_ C0fkq 6«i6Lsf] ?kdf sfo{ ug]{ ;+:yfn] tf]s]sf] ;Dks{ JolQmsf] gfd tyf kb of]Uotf tyf cg'ej M
C0fkq 6«i6Lsf] ?kdf sfo{ ug]{ ;+:yfn] pQm sDkgLsf] dr]{G6 a+}lsË ljefudf >L ;'d]z axfb'/ kf08]nfO{ ;Dks{
JolQmsf] ?kdf tf]s]sf] 5 . >L kf08]sf] Pd=la=P;= ;Ddsf] z}lIfs of]Uotf / sl/j # aif{ eGbf a9Lsf] ljQLo
If]qsf] sfof{g'ej xfl;n ug'{ ePsf] 5 .
-O{_ C0fkq 6«i6Lsf] ?kdf sfo{ ug]{ ;+:yfn] ;DalGwt kIfsf] u'gf;f ;'Gg] / ;dfwfg ug]{ ;DaGwdf u/]sf ] Joj:yf M
C0fkq 6«i6Lsf] ?kdf sfo{ ug]{ ;+:yfn] ;DalGwt kIfsf] u'gf;f ;'Gg] / ;f] sf] ;dfwfg ug]{ ;DaGwdf tf]lsPsf]
;Dks{ JolQm dfkm{t jf C0fkq 6«i6Lsf] ?kdf sfo{ ug]{ ;+:yfsf] sfof{no dfkm{t cfjZos Joj:yf u/]sf] 5 .
;fy} u'gf;fx? lnlvt ?kdf C0fkq 6«i6Lsf] ?kdf sfo{ ug]{ ;+:yfdf hDdf u/fpg' kg]{5 .
-p_ C0fkq lgisfzg ug]{ a}+s / C0fkqjfnfx?sf] lxt ;+/If0f ug{ 6«i6Lsf] ?kdf sfd ug]{ C0fkq 6«i6L aLr sDkgL
P]g, @)^# adf]lhd ;D´f}tf ePsf] s'/f M
C0fkq lgisfzg ug]{ sDkgL / C0fkqjfnfx?sf] lxt ;+/If0f ug{ 6«i6Lsf] ?kdf sfd ug]{ C0fkq 6«i6L aLr
sDkgL P]g, @)^# df ePsf] Joj:yf cg'?k ;D´f}tf ul/Psf] 5 .
-pm_ C0fkq 6«i6Lsf] clwsf/ / bfloTj, C0fkq 6«i6Ln] hfFra'´ ug{ / ljj/0f dfu ug{ ;Sg], C0fkq 6«i6LnfO{
C0fkqjfnfx?sf] clwsf/ x'g] cflb Joj:yfx? sDkgL P]g, @)^# cg'?k ePsf] s'/f M
C0fkq 6«i6Lsf] clwsf/ / bfloTj, C0fkq 6«i6Ln] hfFra'´ ug{ / ljj/0f dfu ug{ ;Sg], C0fkq 6«i6LnfO{
C0fkqjfnfx?sf] clwsf/ x'g] cflb Joj:yfx? sDkgL P]g, @)^# cg'?k ul/Psf] 5 .
41
-P_ C0fkq 6«i6L / a}+s aLr ePsf] ;D´f}tfsf] k|lt g]kfn lwtf]kq af]8{df btf{ ul/Psf] s'/f M
C0fkq 6«i6L / sDkgL aLr ePsf] ;D´f}tfsf] k|lt g]kfn lwtf]kq af]8{df btf{ ul/Psf] 5 .
-P]_ C0fkq 6«i6L / a}+s aLr ePsf] ;D´f}tf tyf cGo cfjZos Joj:yfx? C0fkqjfnfn] x]g{ jf hfGg rfx]df ;f]
pknAw u/fpg] ;DaGwdf ul/Psf] Joj:yf M
C0fkq 6«i6L / sDkgL aLr ePsf] ;D´f}tf tyf cGo cfjZos Joj:yfx? C0fkqjfnfn] x]g{ jf hfGg rfx]df
C0fkq 6«i6L jf sDkgLsf] /lhi68{ sfof{nodf jf lwtf]kq lgisfzg tyf laqmL k|aGwssf] /lhi68{ sfof{nodf
sfof{no ;do leq ;Dks{ /fvL x]g{ jf hfGg ;lsg] Joj:yf ul/Psf] 5 . C0fkq 6«i6Lsf] ?kdf sfo{ ug]{ ;+:yfdf
g]kfn lwtf]kq af]8{af6 lgisfzg tyf laqmL k|aGwssf] k|df0f—kq k|fKt lwtf]kq Joj;foL, sf7df8f+} /x]s]f 5 .
-c+f]_ cGo M
C0fkq 6«i6Ln] l8a]~r/jfnfx?sf] lxt ;+/If0f ug]{ .
sDkgLn] C0fkq 6«i6LnfO{ cfˆgf] ljQLo sf/f]jf/sf] kl/is[t cfly{s ljj/0f cfly{s jif{ ;dfKt ePsf] ^
dlxgfleq clgjfo{ ?kdf k7fpg' kg]{ .
C0fkq 6«i6Ln] sDkgLn] :yfkgf u/]sf] C0fkq e'QmfgL hu]8f sf]if (Debenture Redemption Reserve) sf]
cg'udg ug]{ .
sDkgLn] k'gM csf]{ C0fkq lgisfzg ug'{ k/]df C0fkq 6«i6Lsf] k"j{ :jLs[lt lng' kg]{ .
-3_ kl/jt{gzLn C0fkq hf/L ul/g] ePdf C0fkqsf] kl/jt{g cg'kft, d"No, lk|ldod tyf kl/jt{g ldlt,
dtflwsf/sf] Joj:yf M
;f] gePsf]
-ª_ C0fkq hf/L ug'{sf] p2]Zo tyf ;DkGg x'g] sfo{ of]hgf M
C0fkq hf/L ug'{sf] p2]Zo lgofds lgsfosf] lgb]{zg cg'?k a}+sn] cfkm\gf] k"FhL ;+/rgf j[l4 ug'{ / k'/s
k"FhL cfjZostfnfO{ k"lt{ ug'{ /x]sf] 5 .
-r_ hf/L k"FhL r'Qmf eP÷gePsf] M
hf/L k"FhL ;Dk"0f{ r'Qmf ePsf] .
-5_ o; eGbf cuf8L hf/L ePsf] C0fkqsf] laj/0f M
!_ a}s ckm sf7df08" j08, @)&^ sf] ljj/0f -h]7 $, @)&& df kl/kSj eO{ ;s]sf]_
gfd M a}s ckm sf7df08" j08, @)&^
Jofh M *% jflif{s Jofhb/, ^÷^ dlxgfdf e'QmfgL ul/g]
k|sf/ M Unsecured and Redeemable at Maturity. No call / convertible feature
;+Vof M $)),)))-rf/ nfv dfq_
C0fkqsf] k|lt z]o/ d'No M ? !)))
l8a]~r/ cjlw M & jif{
@_ a}s ckm sf7df08" j08, @)&( sf] ljj/0f -c;f/ !#, @)&( df e'QmfgL x'g]_
gfd M a}s ckm sf7df08" j08, @)&(
Jofh M *% jflif{s Jofhb/, ^÷^ dlxgfdf e'QmfgL ul/g]
k|sf/ M Unsecured and Redeemable at Maturity. No call / convertible feature
;+Vof M ^)),)))-5 nfv dfq_
C0fkqsf] k|lt z]o/ d'No M ? !)))
l8a]~r/ cjlw M & jif{
-h_ g]kfn /fi6« a}+sn] l8a]~r/ hf/L ug{sf nflu lbPsf] zt{x?
g]kfn /fi6« a+}sn] l8a]~r/ hf/L ug{sf nflu lbPsf zt{x? lgDgg';f/ /x]sf 5g\ .
42
!_ k|:tfljt C0fkq s'g} klg ;'/If0f g/fvL lgisfzg ug{'kg]{ .
@_ C0fkqsf] cjlw !) jif{sf] x'g] .
#_ k|:tfljt C0fkqdf k|bfg ul/g] Jofh cw{jflif{s?kn] ^÷^ dlxgf -;fpg ! / df3 ! ut]_ df e'QmfgL ug'{kg]{,
k|:tfj u/]adf]lhd C0fkqsf] jflif{s Jofhb/ *=% k|ltzt x'g'kg]{ / cflh{t Jofh /sddf cfos/ P]g cg';f/
cfos/ nfUg] Joj:yf ug'{kg]{ .
$_ a+}s lj36g ePsf] cj:yfdf C0fkqsf] e'QmfgL lgIf]kstf{ eGbf kl5 dfq x'g] .
%_ C0fkq hf/L ePsf] ldltn] a9Ldf ^ dlxgf leqdf g]kfn :6s PS;r]Grdf ;"rLs[t ug{'kg]{ .
^_ a+}s ckm sf7df08" lnld6]8 afx]s cGo a+}s tyf ljQLo ;+:yfaf6 pQm C0fkq lwtf] /fvL C0f lng ;lsg]
Joj:yf ug{'kg]{ .
&_ C0fkq lgisfzg ug{' cl3 ljj/0fkq o; a+}sdf btf{ u/L ;xdlt lnP/ dfq k|sfzg ug{'kg]{ .
*_ C0fkqsf] /sd e'QmfgL ug{ k|of]hgsf] nflu Redemption Reserve sf] Joj:yf ug{ a}+ssf] jflif{s d'gfkmfaf6
C0fkq lgisfzg ePsf] jif{ / clGtd jif{ afx]s cGo k|To]s jif{ a/fa/ ?kdf (Proportionate Period Basis)
gfkmf÷gf]S;fg lx;faaf6 /sd 5'§ofO{ ?= Ps ca{ ;f7L s/f]8 a/fa/sf] pQm sf]ifdf hDdf x'g] Joj:yf ug'{kg]{ .
;fy} gfkmf gePsf] cj:yfdf d'gfkmfaf6 5'6\ofpg'kg]{ /sd s'g sf]ifaf6 Joj:yf ug]{ xf] ;f] :ki6 ?kdf
ljj/0fkqdf pNn]v x'g'kg]{ .
(_ olb s'g} kIfn] ;f] kIfnfO{ 5'6\ofPsf] l8a]~r/ vl/b gu/]df ;f] l8a]~r/ csf]{ kIfnfO{ vl/b ug]{ Joj:yf ug{'kg]{
.
!)_ C0fkq e'QmfgL u/]kl5 e'QmfgL sf]if -Redemption Reserve_ df afFsL /x]sf] /sdnfO{ k'FhL ;dfof]hg sf]ifdf
/sdfGt/ ug{'kg]{ .
!!_ C0fkq cfj]bgnfO{ lghn] cfj]bg u/]sf] /sddf cfj]bg u/]sf] ldltb]lv afF8kmfF8 x'g] lbg;Ddsf] cjlwsf nflu
k|rlnt ahf/sf] b/n] vl08t cjlwsf] Jofh -Broken Period Interest_ k|bfg ug'{kg]{ / ;f] ljifodf
ljj/0fkqdf :ki6 pNn]v ug'{kg]{ .
!@_ Private Placement sf] cfwf/df ljqmL ul/g] l8a]~r/sf] ;DaGwdf s'g} ;+3÷;+:yf;Fu clu|d s'g} ;Demf}tf
ePsf] eP ;f] ;Demf}tfsf] k|dfl0ft k|ltlnlk o; a+}sdf k]z ug{'kg]{ .
-em_ cGo M
of] C0fkq a}+s ckm sf7df08" lnld6]8 afx]s cGo a}+s jf ljQLo ;+:yfdf lwtf] /fvL C0f lng ;lsg]5 .
C0fkqsf] Jofh e'QmfgL]] ug]{ :yfg M a}+sn] o; C0fkqaf6 cflh{t Jofh /sd C0fkqafnfx?sf] l8Dof6 vftfdf
pNn]v u/]sf] a}+s vftfdf jf C0fkqjfnfn] tf]lsPsf] vftfdf e'QmfgL ug]{5 .
lgisflzt C0fkq vl/b ug]{ C0fkq afxsnfO{ sDkgL P]g, @)^# tyf cGo k|rlnt sfg"g adf]lhd k|fKt x'g]
;Dk"0f{ xs, ;'ljwf k|fKt x'g]5 . t/ ;fwf/0f ;efdf pkl:yt x'g] tyf dtbfg ug]{ clwsf/ eg] /xg] 5}g .
o; C0fkqnfO{ ;fwf/0f z]o/df kl/jt{g ug]{ jf Cumulate ug]{ ljz]iftf g/x]sf] .
lgisflzt hDdf ?= !,^),)),)),)))÷–-?= Ps ca{ ;f7L s/f]8 dfq_ C0fkq dWo] ?=(^,)),)),)))÷–-?=
5ofgAa] s/f]8 dfq_ a/fj/sf] C0fkq JolQmut tj/af6 / ?=^$,)),)),)))÷–-?= rf};ÝL s/f]8 dfq_
a/fa/sf] C0fkq ;j{;fwf/0fdf lgisfzg ul/]g]5 . Pp6f ;d"xsf] C0fkqsf] nflu lgisfzg cjlwleq k"0f{ ?kdf
dfu gcfPsf] v08df ;f] ;d"xsf] C0fkq csf]{ ;d"xdf x:tfGt/0f x'g] k|fjwfg /x]sf] 5 .
sy+sbflrt a}+s 6f6kN6]df o; ljj/0f–kq dfkm{t\ lgisflzt C0fkqsf] e'QmfgL lgIf]kstf{x? eGbf k5fl8 dfq
x'g]5 .
o; C0fkqdf cfjb]g ug]{ cfj]bsnfO{ lghn] cfj]bg u/]sf] /sddf gub a'emfPsf] ;Gbe{df gub hDdf ePsf]
ldlt tyf r]ssf] ;Gbe{df lSnol/ª eO{ gub hDdf ePsf] lbg b]lv C0fkqsf] afF8kmfF8 x'g' lbg;Ddsf] cjlwsf
nflu a}+sn] !Ü-jflif{s_ sf b/n] lx;fa u/L Jofh lbg]5 .
@!= cu|flwsf/ z]o/ lgisfzg ;DaGwL ljj/0f M
;f] gePsf] .
@@= cGo ;fdfGo hfgsf/L M
-s_ ljz]if1sf] s'g} /fo ePdf, ;f] sf] ljj/0fM
o; ljj/0fkqdf pNn]v ul/P adf]lhd tof/ ul/Psf] ljQLo ljj/0f tyf k|If]k0fsf] cg'dfg tyf cfwf/x?
k'g/fjnf]sg u/L ;f] cfwf/df tof/ ljQLo k|If]k0fsf ljj/0f oyf{yk/s /x]sf] 5 . o; ljQLo ljj/0f tyf
k|If]k0fsf] cg'dfg tyf cfwf/x? k'g/fjnf]sg ug]{ ljz]if1 a:ofn P08 P;f]l;P6\;sf rf6{8 PsfpG6]G6 >L /fs]z
>Lif /xg' ePsf] 5 .
-v_ ut tLg cfly{s jif{ leqdf s'g} ;~rfns, n]vfk/LIfs kl/jt{g ePsf] eP, ;f] sf] sf/0fM
ut tLg cfly{s aif{df ;~rfns kl/jt{g ePsf] / ;f]sf] sf/0fx? .
43
qm= ;+= ;~rfnssf] gfd cflY{fs aif{ kl/jt{gsf] sf/0f
! ;~ho axfb'/ zfx @)&$.&% a+}s tyf ljQLo ;+:yf P]gdf ePsf] gofF Joj:yf adf]lhd
;~rfnsx?sf] ;+Vof ( af6 & df sfod ug]{ qmddf
k'g{lgjf{lrt gePsf] .
@ s]bf/ gfy uf}td @)&$.&% ;+:yfut k|ltlglw ePsf]df pQm 7fpdf gofF k|ltlglw
k7fO{Psf] .
# lht]Gb| lwtfn @)&$.&% ;+:yfut k|ltlglwsf] ?kdf gofF k|ltlglwsf] lgo'lQm .
ut tLg cfly{s aif{df n]vfkl/Ifs kl/jt{g gePsf] .
-u_ sDkgL ;lrjsf] gfd, 7]ufgf / of]Uotf M
gfd M >L lbks uf}td
7]ufgf M ?kgb]xL, a'6jn
of]Uotf M PdlaP÷PnPnPd
-3_ ;fj{hlgs lgisfzg ug{sf nflu ;+rfns ;ldltaf6 ePsf] lg0f{o ;DaGwL ljj/0f M
a}+ssf] ldlt @)&^÷)&÷!( df ;DkGg !#& cf}+ ;+rfns ;ldltsf] lg0f{oadf]lhd a}+sn] C0fkq lgisfzg ug{
nfu]sf] xf] .
-ª_ ;+ul7t ;+:yf jf o;sf z]o/wgLnfO{ s'g} ljz]if s/ ;'ljwf lbOPsf] eP, ;f] ;DaGwL ljj/0f M
;f] gePsf] .
-r_ ;+ul7t ;+:yfsf] kl5Nnf] cfly{s jif{sf] n]vfk/LIf0f ePsf] jf;nft, gfkmf gf]S;fg lx;fj / gub k|jfx ljj/0f k|fKt
ug{ jf x]g{ ;Sg] 7fpF / ;do M
sfof{no ;doleq lgDglnlvt :yfgx?df sDkgLsf] kl5Nnf] cfly{s jif{sf] n]vfk/LIf0f ePsf] jf;nft, gfkmf–gf]S;fg
lx;fj tyf gub k|jfxsf] ljj/0f k|fKt ug{ jf lg/LIf0f ug{ ;lsg]5 .
!= sDkgLsf]] skf]{/]6 sfof{no— sdnkf]v/L, sf7df8f}+ .
@= lwtf]kq lgisfzg tyf laqmL k|aGws >L glan OGe]i6d]G6 a+}lsË lnld6]8, gS;fn, sf7df8f}+ l:yt sfof{no .
-5_ C0fkq, sd{rf/L jf c? s;}sf] nflu z]o/ ;'/lIft ug]{ Joj:yf ul/Psf] ePdf ;f] s'/f M
o; ljj/0fkqåf/f lgisfzg ul/Psf] k|lt C0fkq ?= !,))).— clÍt d"No (Par Value) sf s'n ^,$),))) lsQf
C0fkq ;+Vofsf] %Ü cyf{t #@,))) lsQf C0fkqx? ;fd"lxs nufgL sf]ifsf] lgDtL 5'6\ofP/ ;'/lIft /flvPsf] 5 .
o;/L 5'6\ofOPsf] C0fkq ;fd"lxs nufgL sf]if lgodfjnL, @)^& jdf]lhd afF8kmfF8 ul/g]5 .
-h_ ljQLo ;+:yfn] sDkgL P]gn] u/]sf] Joj:yfx?, cfˆgf] sf/f]af/;+u ;DalGwt P]g, lgod tyf lgodg Joj:yf k"0f{
kfngf u/]sf] ;DaGwdf u/]sf] pb\3f]if0f M
sDkgLn]] sDkgL P]g, @)^# n] u/]sf] Joj:yfx?, cfkm"n] ug]{ Joj;fo;Fu ;DalGwt P]g, lgod tyf lgodg Joj:yf
tyf lgodg lgsfox?n] lbPsf] lgb]{zgx?sf] k"0f{ ?kdf kfngf u/]sf] 5 / ;f]xL lgb]{zgx?sf] bfo/f leq /xL sfo{
ul//x]sf] / o; ljj/0fkqdf pNn]v ul/Psf] ljj/0fx? ;d]t ;f]xL cg'?k tof/ ul/Psf] xf] eGg] sDkgLsf] pb\3f]if0f
/x]sf] 5 . a+}ssf] s'g} klg ;+rfnsx? sfnf];'rLdf g/x]sf] ;fy} of]Uo /x]sf] sDkgLsf] pb\3f]if0f /x]sf] 5 .
-em_ lwtf]kq laqmL ljt/0f ;DaGwL Joj:yf M
o; ljj/0fkq dfkm{t ;fj{hlgs lgisfzg ug{ nfluPsf] C0fkqsf] laqmL ljt/0fsf nflu l;–cf:af (C-ASBA) ;b:o
/x]sf] ;Dk"0f{ a+}s tyf ljQLo ;+:yf dfkm{t cfj]bg lbg ;Sg]5g\ .
-~f_ ljj/0fkq tof/ ug]{ JolQmsf] gfd, y/, z}lIfs of]Uotf / cg'ejsf] ljj/0f M
o; ljj/0fkq tof/ kfg]{ Joj;flos ;+:yfdf lgisfzg tyf laqmL k|aGws– >L glan OGe]i6d]G6 a+}lsË lnld6]8,
gS;fn, sf7df8f+} /x]sf] 5 .
-6_ ;sf/fTds kIfx? M
bIf tyf cg'ejL JolQmx?sf] nufgLdf :yfkgf tyf ;+rfng ul/Psf] sDkgL .
:yfkgfsfn b]lv g} k"0f{ sDKo'6/s[t k|ljlwaf6 ljQLo ;]jf k|bfg ub}{ cfO/x]sf] .
Uffx|sx?nfO{ ;xh tyf ;/n shf{ tyf cGo ;]jf k|bfg ub{} cfPsf] .
-7_ lwtf]kq laqmL v'Nnf cjlw M
o; ljj/0fkq dfkm{t lgisfzg ul/Psf] C0fkqsf] nflu cfj]bg lbg] cjlw sDtLdf $ sfo{ lbg tyf clwstd !%
lbgsf] nflu x'g]5 .
44
-8_ lwtf]kqsf] qm]l86 /]l6Ë M
o; a}+snfO{ ICRA Nepal Limited n] Moderate Credit Risk hgfpg] “[ICRANP -IR] BBB+” (pronounced as ICRA NP Issuer Rating Triple
B Plus) u|]l8Ë ldlt @)@)÷)!÷@( df k|bfg u/]sf] 5 . pQm qm]l86 /]l6Ë k|fKt ;+:yfnfO{ ;dodfg} ljQLo bfloTj k"/f
ug]{ tyf dWod shf{ hf]lvd /xg] ;+:yfsf] ?kdf lnOG5 .
@#= ;+rfns tyf lj1x?sf] gfd tyf b:tvt M
o; ljj/0fkqdf k|sflzt tYo tyf ljj/0fx? 7Ls b'?:t 5g, ;f] df s'g} km/s k/]df xfdL ;+rfnsx? k"0f{?kdf
lhDd]jf/ x'g]5f}+ egL ;xL 5fk ug]{ sDkgLsf] ;~rfnsx?sf] gfd tyf b:tvt M
qm=;+= gfd kb b:tvt
! >L k|sfz >]i7
-k|ltlgwL– drfg jfON8 nfOkm l/;f]6{
k|f=ln=_
cWoIf
@ >L /fw]z kGt ;+rfns
# >L lht]Gb| lwtfn
-k|ltlgwL– sd{rf/L ;~ro sf]if_
;+rfns
$ >L uf]ljGb k|;fb zdf{ /]UdL ;+rfns
% k|f=8f= x]d/fh ;'j]bL ;+rfns
>L dbg nfn hf]zL ;+rfns
& >LdtL df]xgf nf]xgL ;+rfns÷:jtGq
45
@$= lgisfzg tyf laqmL k|aGwsn] k|:t't u/]sf] k|lta4tf kq -8\o' 8]lnh]G;\\ ;l6{lkms]6_ sf] k|ltM
46
@%= ljj/0fkq, ljQLo ljj/0f tyf cGo s'g} s'/fdf lj1n] /fo lbPsf] eP ;f] ;DaGwL kqM