the bank we trust - ysx
Post on 11-Feb-2022
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The Bank We Trust
(၂၉)
၂၀၂၀ (၂၇) ( )
- 1 -
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bPfzGifhvSpfcJhonfhoufwrf;rSm (29)ESpfwGif;odkUa&muf&SdcJhNyDjzpfygonf/'g&dkufwmtzGJUrS tpk&S,f,m&Sifrsm;udk
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8/ tpk&S,f,m&SifOD;a& (OD;a&) 8ç375 8ç330 -45
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- 2 -
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2/ 11-50 1ç637 567 2ç204 26.46
3/ 51-100 338 203 541 6.49
4/ 101-500 489 342 831 9.98
5/ 501-1000 106 77 183 2.20
6/ 1001-3000 135 99 234 2.81
7/ 3001-10000 58 36 94 1.13
8/ 10001-30000 20 21 41 .49
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5/ OD;aevif;OD; 63ç160 2.55%
6/ a'gufwmpdefarmif 40ç707 1.65%
7/ OD;vD*sD*Ref; 39ç788 1.61%
8/ OD;xGef;0if;edkif 37ç414 1.51%
9/ OD;cifarmifaz 30ç000 1.21%
10/OD;pdkif;armifjrifh 29ç548 1.20%
pkpkaygif;pkpkaygif;pkpkaygif;pkpkaygif;pkpkaygif; 586ç229 586ç229 586ç229 586ç229 586ç229 23.71% 23.71% 23.71% 23.71% 23.71%
(30-9-2020) aeY&Sd tpk&S,f,mtrsm;qHk;ydkifqdkifxm;ol(10)OD;\tpk&S,f,mydkifqdkifrSKrSm tpk&S,f,m
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(30-9-2020)aeY &Sd'g½dkufwmtzGJU0ifrsm;\tpk&S,f,mydkifqdkifrIESifh(1-10-2019)rS(30-9-2020)
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- 4 -
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(30-9-2020)aeY&S d'g½d kufwmtzGJ Y0ifrsm;\tpk&S,f,mydkifqdkifrIrSm pkpkaygif;tpk&S,f,mta&
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2019-2020b@ma&;ESpf t&SHk; tjrwftajctae2019-2020b@ma&;ESpf t&SHk; tjrwftajctae2019-2020b@ma&;ESpf t&SHk; tjrwftajctae2019-2020b@ma&;ESpf t&SHk; tjrwftajctae2019-2020b@ma&;ESpf t&SHk; tjrwftajctae (1-10-2019aeYrS30-9-2020aeYxd) (1-10-2019aeYrS30-9-2020aeYxd) (1-10-2019aeYrS30-9-2020aeYxd) (1-10-2019aeYrS30-9-2020aeYxd) (1-10-2019aeYrS30-9-2020aeYxd)
2019-2020b@ma&;ESpfwGif &aiGpkpkaygif;rSm usyffusyffusyffusyffusyff2020202020ç252.25252.25252.25252.25252.25oef;oef;oef;oef;oef;&SdNyD; 2018-2019b@ma&;ESpf
wGif usyusyusyusyusyf26f26f26f26f26ç235.10235.10235.10235.10235.10oef;oef;oef;oef;oef; &Sdygonf/ &aiGpkpkaygif;rSm(22.80%)(22.80%)(22.80%)(22.80%)(22.80%)avsmhenf;cJhygonf/ &aiGrsm;avsmhenf;ouJh
odkY twdk;p&dwftygt0iftoHk;p&dwfrsm;rSmvnf; avsmhenf;cJhygonf/ 2019-2020b@ma&;ESpfwGif toHk;p&dwf
pkpkaygif;rSm usyffusyffusyffusyffusyff1515151515ç167.02.02.02.02.02oef;oef;oef;oef;oef; &SdNyD; 2018-2019b@ma&;ESpfwGif usyusyusyusyusyf18f18f18f18f18ç490.53490.53490.53490.53490.53oef;oef;oef;oef;oef;&Sdygonf/ toHk;
p&dwfpkpkaygif;rSm(17.97%)avsmhenf;(17.97%)avsmhenf;(17.97%)avsmhenf;(17.97%)avsmhenf;(17.97%)avsmhenf;ukefuscJhygonf/ 2019-2020b@ma&; ESpfwGiftcGefrEIwfrDtjrwfrSm
usyf5usyf5usyf5usyf5usyf5ç085.23oef; 085.23oef; 085.23oef; 085.23oef; 085.23oef; &&S d Ny D;? 2018-2019b@ma&;ESp fwGif usyf7usyf7usyf7usyf7usyf7ç744.57oef;744.57oef;744.57oef;744.57oef;744.57oef; &&S dc J haomaMumif h
tom;wiftjrwfrSmusyf2659.34oef;(34.34%)usyf2659.34oef;(34.34%)usyf2659.34oef;(34.34%)usyf2659.34oef;(34.34%)usyf2659.34oef;(34.34%)avsmhenf;cJ hygonf/
t&SHk;tjrwfEIdif;,SOfcsufudkZ,m;( 5 )wGifazmfjyxm;ygonf/
Z,m; - 5 - Z,m; - 5 - Z,m; - 5 - Z,m; - 5 - Z,m; - 5 - 2018-2019ESifh2019-2020b@ma&;ESpft½IH;-tjrwfEdIif;,SOfcsuf2018-2019ESifh2019-2020b@ma&;ESpft½IH;-tjrwfEdIif;,SOfcsuf2018-2019ESifh2019-2020b@ma&;ESpft½IH;-tjrwfEdIif;,SOfcsuf2018-2019ESifh2019-2020b@ma&;ESpft½IH;-tjrwfEdIif;,SOfcsuf2018-2019ESifh2019-2020b@ma&;ESpft½IH;-tjrwfEdIif;,SOfcsuf
( usyfoef; ) taMumif;t&m 2018-2019 2019-2020taMumif;t&m 2018-2019 2019-2020taMumif;t&m 2018-2019 2019-2020taMumif;t&m 2018-2019 2019-2020taMumif;t&m 2018-2019 2019-2020 &mcdkifEIef; &mcdkifEIef; &mcdkifEIef; &mcdkifEIef; &mcdkifEIef;&aiG&aiG&aiG&aiG&aiG
twdk;&aiG 23ç123.45 19ç484.02 -15.74tjcm;&aiG 3ç111.65 768.23 -75.31&aiGpkpkaygif;&aiGpkpkaygif;&aiGpkpkaygif;&aiGpkpkaygif;&aiGpkpkaygif; 2626262626ç235.10235.10235.10235.10235.10 2020202020ç252.25252.25252.25252.25252.25 -22.80 -22.80 -22.80 -22.80 -22.80
toHk;p&dwftoHk;p&dwftoHk;p&dwftoHk;p&dwftoHk;p&dwftwdk;p&dwf 14ç821.02 11ç576.67 -21.89vkyfief;ukefusp&dwf 3ç669.51 3ç590.35 -2.16toHk;p&dwfpkpkaygif;toHk;p&dwfpkpkaygif;toHk;p&dwfpkpkaygif;toHk;p&dwfpkpkaygif;toHk;p&dwfpkpkaygif; 1818181818ç490.53490.53490.53490.53490.53 1515151515ç167.02167.02167.02167.02167.02 -17.9717.9717.9717.9717.97
tcGefrEIwfrDtjrwftcGefrEIwfrDtjrwftcGefrEIwfrDtjrwftcGefrEIwfrDtjrwftcGefrEIwfrDtjrwf 77777ç744.57744.57744.57744.57744.57 55555ç085.23085.23085.23085.23085.23 -34.34-34.34-34.34-34.34-34.34
- 5 -
tpk&Sifrsm;\&ydkifcGifhrsm;ajymif;vJvmjcif;tpk&Sifrsm;\&ydkifcGifhrsm;ajymif;vJvmjcif;tpk&Sifrsm;\&ydkifcGifhrsm;ajymif;vJvmjcif;tpk&Sifrsm;\&ydkifcGifhrsm;ajymif;vJvmjcif;tpk&Sifrsm;\&ydkifcGifhrsm;ajymif;vJvmjcif;tpk&Sifrsm;\&ydkifcGifhrsm;rSm(30-9-2019)aeYwGif usyf62usyf62usyf62usyf62usyf62ç509.20oef;509.20oef;509.20oef;509.20oef;509.20oef;&SdNyD;? (30-9-2020)aeYwGif
usyf60usyf60usyf60usyf60usyf60ç194.75oef;194.75oef;194.75oef;194.75oef;194.75oef;&SdaomaMumifh(-3.70%) (-3.70%) (-3.70%) (-3.70%) (-3.70%) avsmhenf;cJhygonf/ tpkwpfpkwefzdk;(Value per share)rSm
vnf;(30-9-2019)aeYwGifusyf25usyf25usyf25usyf25usyf25ç286286286286286rS(30-9-2020)aeYwGifusyf24usyf24usyf24usyf24usyf24ç350350350350350om&SdcJ hojzif htpkwpfpkvQif
usyf 936 usyf 936 usyf 936 usyf 936 usyf 936 avsmhcJYygonf/
tpk&Sifrsm;\&ydkifcGifhrsm;udk Z,m;( 6 )wGifESdKif;,SOfazmfjyxm;ygonf/
Z,m; - 6 - Z,m; - 6 - Z,m; - 6 - Z,m; - 6 - Z,m; - 6 - tpk&Sifrsm;\&ydkifcGifhrsm; tpk&Sifrsm;\&ydkifcGifhrsm; tpk&Sifrsm;\&ydkifcGifhrsm; tpk&Sifrsm;\&ydkifcGifhrsm; tpk&Sifrsm;\&ydkifcGifhrsm;
(usyf oef;)(usyf oef;)(usyf oef;)(usyf oef;)(usyf oef;)
2018-20192018-20192018-20192018-20192018-2019 2019-20202019-20202019-20202019-20202019-2020
1/ xnfh0ifNyD;rwnfaiG&if; 24ç720.53 24ç720.53
2/ &S,f,my&DrD,H 11ç845.88 11ç845.88
3/ taxGaxGoD;oefY&efyHkaiG 15ç695.20 16ç712.25
4/ aMuG;qHk;&efyHkaiG 3ç608.43 2ç821.56
5/ ta&;ay:oD;oefY&efyHkaiG 102.56 102.56
6/ tjcm;&efyHkaiGrsm; 8.12 8.12
7/ rcGJa0&ao;onfhtjrwfvufusef 6ç528.49 3ç983.85
tpk&Sifrsm;\&ydkifcGif hpkpkaygif;tpk&Sifrsm;\&ydkifcGif hpkpkaygif;tpk&Sifrsm;\&ydkifcGif hpkpkaygif;tpk&Sifrsm;\&ydkifcGif hpkpkaygif;tpk&Sifrsm;\&ydkifcGif hpkpkaygif; 62 62 62 62 62ç509.20509.20509.20509.20509.20 60 60 60 60 60ç194.75194.75194.75194.75194.75
tpkwpfpkwefzdk;tpkwpfpkwefzdk;tpkwpfpkwefzdk;tpkwpfpkwefzdk;tpkwpfpkwefzdk;(Book value per share)usyfusyfusyfusyfusyf 2525252525ç286286286286286 24 24 24 24 24ç350350350350350
rSwfcsufrSwfcsufrSwfcsufrSwfcsufrSwfcsuf bPfydkifajrESifhtaqmuftODrsm;\0,f,lxm;onfh rlvwefzdk;rsm;ESifhvuf&Sdumvaygufaps;rsm;
udkwGufcsufNyD;ESdKif;,SOf&mwGif tom;wifwdk;vmonfhwefzdk; udk xnfhoGif;wGufcsufygu (30-9-2020) aeYwGif (30-9-2020) aeYwGif (30-9-2020) aeYwGif (30-9-2020) aeYwGif (30-9-2020) aeYwGif
tpkwpfpk\ trSefwu,fwefbdk;tpkwpfpk\ trSefwu,fwefbdk;tpkwpfpk\ trSefwu,fwefbdk;tpkwpfpk\ trSefwu,fwefbdk;tpkwpfpk\ trSefwu,fwefbdk;(Fair value)))))rSm usyf rSm usyf rSm usyf rSm usyf rSm usyf 30ç45930ç45930ç45930ç45930ç459&Sdygonf/&Sdygonf/&Sdygonf/&Sdygonf/&Sdygonf/
2019-2020 b@ma&;ESpf tjrwfaiGrsm;udkcG Ja0vsmxm;jcif;2019-2020 b@ma&;ESpf tjrwfaiGrsm;udkcG Ja0vsmxm;jcif;2019-2020 b@ma&;ESpf tjrwfaiGrsm;udkcG Ja0vsmxm;jcif;2019-2020 b@ma&;ESpf tjrwfaiGrsm;udkcG Ja0vsmxm;jcif;2019-2020 b@ma&;ESpf tjrwfaiGrsm;udkcG Ja0vsmxm;jcif;
2019-2020b@ma&;ESpf(30-9-2020)wGiftcGefrEIwfrDtom;wiftjrwfrSm usyf5ç085.23oef;usyf5ç085.23oef;usyf5ç085.23oef;usyf5ç085.23oef;usyf5ç085.23oef;
&&SdcJhNyD; tjrwfrsm;udkatmufygtwdkif;cGJa0vsmxm;cJhygonf/
1/ EdkifiHawmfodkY tjrwfcGef (20%) usyf 1ç017.05oef;
2/ taxGaxGoD;oefY&efyHkaiG (25%) usyf 1ç017.05oef;
3/ rcGJa0&ao;onfhtjrwfvufusef usyf 3ç051.13oef;
pkpkaygif;pkpkaygif;pkpkaygif;pkpkaygif;pkpkaygif; usyf 5usyf 5usyf 5usyf 5usyf 5ç085.23oef;085.23oef;085.23oef;085.23oef;085.23oef;
2019-2020 b@ma&;ESpffb@ma&;tcsdK;rsm;2019-2020 b@ma&;ESpffb@ma&;tcsdK;rsm;2019-2020 b@ma&;ESpffb@ma&;tcsdK;rsm;2019-2020 b@ma&;ESpffb@ma&;tcsdK;rsm;2019-2020 b@ma&;ESpffb@ma&;tcsdK;rsm;
2018-2019b@ma&;ESpfESifh 2019-2020b@ma&;ESpftwGuf b@ma&;tcsdK;rsm;EdSKif;,SOfcsufudk
Z,m;( 7 )wGifaz:jyxm;ygonf/ b@ma&;tcsdK;rsm;udk jrefrmEdkifiHawmfA[dkbPf\ ñTefMum;csufESifhtnD
wGufcsufxm;jcif;jzpfygonf/
- 6 -
Z,m; - 7 - Z,m; - 7 - Z,m; - 7 - Z,m; - 7 - Z,m; - 7 -
b@ma&;tcsdK;rsm;EdIif;,SOfcsuf b@ma&;tcsdK;rsm;EdIif;,SOfcsuf b@ma&;tcsdK;rsm;EdIif;,SOfcsuf b@ma&;tcsdK;rsm;EdIif;,SOfcsuf b@ma&;tcsdK;rsm;EdIif;,SOfcsuf 2018-2019 2019-2020
1/ aiGaMu;vG,fulrItcsdK; 33.85% 45.07%
2/ rwnfaiG&if;vHkavmufrItcsdK;(Tier-1) 23.16% 34.35%
3/ rwnfaiG&if;vHkavmufrItcsdK;(Tier-1+2) 24.41% 35.60%
4/ aiGa&;aMu;a&;cdkifrmrItcsdK; 1.28 ; 1 1.31 ; 1
5/ tpk&Sifrsm;xnfh0ifaiGay:jyef&csuf
tcGefrEIwfrD 31.33% 20.57%
tcGefEIwfjyD; 25.06% 16.46%
6/ tpk&Sifrsm;\cHpm;cGifhtcsdK; 2.53 ; 1 2.44 ; 1
7/ pkpkaygif;&ydkifcGifhay:tjrwfjyef&ESKef; 2.14% 1.60%
8/ aps;ESkef;ESifh0ifaiGtcsdK;(PE)ratio 10.37 13.67
9/ tpkwpfpkay:jyef&csuf (EPS)(usyf) 2ç506.28 1ç645.67
10/ tpkwpfpkwefzdk; (usyf) (Book Value)* 25ç286 24ç350
*bPfvuf0,f&SdaiGom;udkomtajccHwGufcsufxm;ygonf/
2019-2020b@ma&;ESpftjrwfa0pkcG Ja0ay;&efvsmxm;jcif;2019-2020b@ma&;ESpftjrwfa0pkcG Ja0ay;&efvsmxm;jcif;2019-2020b@ma&;ESpftjrwfa0pkcG Ja0ay;&efvsmxm;jcif;2019-2020b@ma&;ESpftjrwfa0pkcG Ja0ay;&efvsmxm;jcif;2019-2020b@ma&;ESpftjrwfa0pkcG Ja0ay;&efvsmxm;jcif;
2019-2020ckESpf b@ma&;ESpfcsKyf(30-9-2020)aeYwGif&&Sdonfh tom;wiftjrwfrS tjrwfa0pkcGJa0
ay;&efvsmxm;aiGrSm usyf3ç051.14oef; jzpfygonf/ (30-9-2020)aeYwGifrcGJ&ao;onfhtjrwfvufusef
(Retained Earning) rSmusyf 3ç983.85oef;&Sdygonf/
1993-1994b@ma&;ESSpfrS2018-2019 b@ma&;ESpftxd tjrwfa0pk(26)MudrfcGJa0ay;cJhNyD; cGJa0
ay;cJYonfh tjrwfa0pk pkpkaygif;rSm usyf47ç700.29oef; &Sdygonf/ (30-9-2020)aeYwGif xnfh0ifNyD;
rwnfaiG&if;(Paid up Capital)rSm usyf24ç720.53 oef; &S dí cG Ja0NyD;onfhtjrwfa0pkpkpkaygif;rSm
&S,f,mrsm;a&mif;cs&aiGxuf usyf usyf usyf usyf usyf 22ç979.7622ç979.7622ç979.7622ç979.7622ç979.76oef; oef; oef; oef; oef; yd krsm;ygonf/yd krsm;ygonf/yd krsm;ygonf/yd krsm;ygonf/yd krsm;ygonf/
tjrwfa0pkcHpm;cGif h&S donfhtpk&S,f,mrsm;owfrSwfjcif;tjrwfa0pkcHpm;cGif h&S donfhtpk&S,f,mrsm;owfrSwfjcif;tjrwfa0pkcHpm;cGif h&S donfhtpk&S,f,mrsm;owfrSwfjcif;tjrwfa0pkcHpm;cGif h&S donfhtpk&S,f,mrsm;owfrSwfjcif;tjrwfa0pkcHpm;cGif h&S donfhtpk&S,f,mrsm;owfrSwfjcif;yxryk*¾vdubPfonf &efukefpawmhtdyfcsdef;wGif pm&if;0ifukrÜPD(Listed Company)tjzpf rSwfyHkwif
xm;NyD;jzpfygonf/ (27-9-2019)aeYwGifusif;yonfh 9^2019Mudrfajrmuf 'g&kdufwmtzGJ Ytpnf;ta0;rS
2020ckESpf? pufwifbmv(30)&uf(30-9-2020)aeYta&mif;t0,fydwfodrf;csdef (&efukefpawmhtdyfcsdef;r S
Record date (6-10-2020)aeY)&Sd tpk&S,f,mydkifqdkifxm;olrsm;udktjrwfa0pkcGJa0ay;rnfjzpfaMumif; qHk;jzwf
cJhygonf/ odkYjzpfygí (30-9-2020)aeY&Sdtpk&S,f,mydkifqdkifxm;olrsm;udk 2019-2020b@ma&;ESpftwGuf
tjrwfa0pkrsm;ud kcG Ja0ay;&ef&S dygonf/ tjrwfa0pkcG Ja0ay;&ef rcG J&ao;onfhtjrwfvufusefaiGrSm
usyf3983.85 oef;usyf3983.85 oef;usyf3983.85 oef;usyf3983.85 oef;usyf3983.85 oef; jzpfygonf/
jrefrmEd kifiHawmfA[dkbPf\ nTefMum;csufrsm;udkvd kufemaqmif½Gufjcif;jrefrmEd kifiHawmfA[dkbPf\ nTefMum;csufrsm;udkvd kufemaqmif½Gufjcif;jrefrmEd kifiHawmfA[dkbPf\ nTefMum;csufrsm;udkvd kufemaqmif½Gufjcif;jrefrmEd kifiHawmfA[dkbPf\ nTefMum;csufrsm;udkvd kufemaqmif½Gufjcif;jrefrmEd kifiHawmfA[dkbPf\ nTefMum;csufrsm;udkvd kufemaqmif½Gufjcif;jrefrmEdkifiHawmfA[dkbPfonf 2017ckESpfrwfv(7)&ufaeUpGJjzifhnTefMum;csuftrSwf(5^2017)udkxkwf
jyefcJhygonf/ yxryk*¾vdubPfonf A[dkbPf\ñTefMum;csufrsm;ESif htnD vdkufemcJhygonf/A[dkbPf\ñTefMum;csufrsm;ESif htnD vdkufemcJhygonf/A[dkbPf\ñTefMum;csufrsm;ESif htnD vdkufemcJhygonf/A[dkbPf\ñTefMum;csufrsm;ESif htnD vdkufemcJhygonf/A[dkbPf\ñTefMum;csufrsm;ESif htnD vdkufemcJhygonf/
-7-
tusOf;csKyfwifjy&vQif-
1/ aiGa&;aMu;a&;tzGJUtpnf;rsm;Oya'yk'fr(40)yg jyXmef;csufrsm;udkjynfhrDpGmvdkufemEdkifygonf/ jyXmef;csufyg
&&efykdifcGifhwefzdk;pkpkaygif;onf ay;&efwm0efpkpkaygif;ESifh rwnf&if;ESD;aiGpkpkaygif;xufavsmhenf;rIr&Sdyg/
2/ jrefrmedkifiHawmfA[dkbPfñTefMum;csuftrSwf(5^2017)wGifazmfjyxm;onfh
(u) tjrwfa0pkcGJa0rnfhb@ma&;ESpfESifh ,if;b@ma&;ESpfrwdkifrD(2)ESpf\ rwnfaiG&if;vHkavmufrI
tcsdK;onf tenf;qHk;yQrf;rQ(8%)&Sd&rnf[k jyXmef;xm;&m 2019 pufwifbmvwGif (24.41%)?
2020 pufwifbmvwGif (35.60%)&Sdí rsm;pGmausmfvGefygonf/
(c) aiGa&;aMu;a&;tzGJYtpnf;rsm;Oya'yk'fr35(u)ESifhtnD taxGaxGoD;oefY&efyHkaiGrsm;udk jynfhrD
pGmxm;&Sdjcif; usyf16ç712.25oef; usyf16ç712.25oef; usyf16ç712.25oef; usyf16ç712.25oef; usyf16ç712.25oef;vsmxm;ygonf/ acs;aiGqHk;&IH;rItwGuf owfrSwfcsufESifh
tnDvsmxm;jcif; usyf 2ç821.56oef; usyf 2ç821.56oef; usyf 2ç821.56oef; usyf 2ç821.56oef; usyf 2ç821.56oef;vsmxm;ygonf/
(*) tjrwfa0pkrsm;udkbPf\rcGJa0&ao;aomtjrwfaiGrScGJa0ay;rnfjzpfygonf/ ,ckESpfcGJa0ay;
aompkpkaygif;tjrwfa0pkyrmPonf,cifESpf\tom;wiftjrwfyrmPxuf ausmfvGefjcif;
r&Sdyg/
EdkifiHawmfodk Y0ifaiGcGefrsm;xrf;aqmifjcif;EdkifiHawmfodk Y0ifaiGcGefrsm;xrf;aqmifjcif;EdkifiHawmfodk Y0ifaiGcGefrsm;xrf;aqmifjcif;EdkifiHawmfodk Y0ifaiGcGefrsm;xrf;aqmifjcif;EdkifiHawmfodk Y0ifaiGcGefrsm;xrf;aqmifjcif;
yxryk*¾vdubPfonf ESpfpOfEdkifiHawmfodkY0ifaiGcGefrsm;udk wdwdususrSefrSefuefuefay;aqmifcJYygonf/
2019-2020 b@ma&;ESpfwGiftcGefrEIwfrSDtom;wiftjrwfrSm usyf5ç085.23oef;usyf5ç085.23oef;usyf5ç085.23oef;usyf5ç085.23oef;usyf5ç085.23oef;&&SdcJ hNyD; 0ifaiGcGef
usyf1ç017.05oef;usyf1ç017.05oef;usyf1ç017.05oef;usyf1ç017.05oef;usyf1ç017.05oef;xrf;aqmifcJ hygonf/ 1992-1993b@ma&;ESpfrS 2019-2020b@ma&;ESpftxd
EdkifiHawmfodkYxrf;aqmifcJhonfh0ifaiGcGefpkpkaygif;rSm usyf 22ç386oef; usyf 22ç386oef; usyf 22ç386oef; usyf 22ç386oef; usyf 22ç386oef; jzpfygonf/
yxryk*¾vdubPfonf 2018-2019b@ma&;ESpfwGifjrefrmwpfEdkifiHvHk;wGif 0ifaiGcGeftrsm;qHk;xrf;
aqmifonfhtqifh(tqifh(tqifh(tqifh(tqifh(4646464646)))))jzpfjyD;? bPfrsm;teuftqitqitqitqitqifh(9)f h(9)f h(9)f h(9)f h(9)jzpfygonf/
1992-1993rS 2019-2020b@ma&;ESpftxd &&SdcJhonfhtjrwfaiGrsm;ESifh ay;aqmifcJhonfh 0ifaiGcGef
rsm;ESifhtjrwfa0pkvsmxm;aiGrsm;udk Z,m;( 8 )wGif azmfjyxm;ygonf/
Z,m; - 8 -Z,m; - 8 -Z,m; - 8 -Z,m; - 8 -Z,m; - 8 -
tjrwf? tjrwfa0pkESifh 0ifaiGcGefay;aqmifrSKESdKif;,SOffcsuf tjrwf? tjrwfa0pkESifh 0ifaiGcGefay;aqmifrSKESdKif;,SOffcsuf tjrwf? tjrwfa0pkESifh 0ifaiGcGefay;aqmifrSKESdKif;,SOffcsuf tjrwf? tjrwfa0pkESifh 0ifaiGcGefay;aqmifrSKESdKif;,SOffcsuf tjrwf? tjrwfa0pkESifh 0ifaiGcGefay;aqmifrSKESdKif;,SOffcsuf
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1/ 1992-1993rS2012-2013 31ç401 9ç126 14ç347
2/ 2013-2014 8ç048 2ç011 4ç000
3/ 2014-2015 8ç762 2ç189 4ç410
4/ 2015-2016 8ç549 2ç137 4ç320
5/ 2016-2017 8ç633 2ç158 4ç944
6/ 2017-2018 7ç801 1ç560 4ç944
7/ 2018(6v) 3ç198 639 1881
8/ 2018-2019 7ç745 1ç549 4ç647
9/ 2019-2020 5ç085 1ç017 3ç051
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4/ ac:,ltyfESHaiG 2ç617.00 4ç290.59 63.95
5/ Mobile Money 105.06 93.32 -11.17
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6/ a':oufxm;EG,f(atmifvH)xHrSpkpkaygif;&&ef&Sd usyf 406.97oef;usyf 406.97oef;usyf 406.97oef;usyf 406.97oef;usyf 406.97oef;jzpfNyD; rauG;wdkif;w&m;&Hk;wGif w&m;rBuD;rSKtrSwf(2^2018)jzifhw&m;pGJqdkcJh&m avvHwifa&mif;csonfhtmrcHypönf;(6)ckteuf(5)ckudkbPfrS avvHqGJ0,f,lcJhNyD; usef(1)ckudkjyifyyk*¾dKvfrSavvHqGJ0,f,lcJhojzifh xdktmrcHypönf;twGufbPfrSaiGxkwfcGifh awmif;cHxm;qJjzpfygonf/ ,cktcsdeftxd oufqdkif&mXmerS xkwfay;jcif;r&Sdao;yg/
7/ OD;Munfjrifh+a':jrjrpdef(rauG;)xHrSacs;aiGt&if;? twdk;pkpkaygif;&&ef&Sd usyf 38.71oef;usyf 38.71oef;usyf 38.71oef;usyf 38.71oef;usyf 38.71oef;jzpfNyD;rauG;c&dkifw&m;&Hk;wGifw&m;rBuD;rSKtrSwf(62^2019)jzifhw&m;pGJqdkcJ h&m avvHwifa&mif;cs&eftwGufavvHwifa&mif;cs&eftwGufavvHwifa&mif;cs&eftwGufavvHwifa&mif;cs&eftwGufavvHwifa&mif;cs&eftwGuf
ESp fzufMurf;cif;aps;wif&ef jzpfygonf/ESp fzufMurf;cif;aps;wif&ef jzpfygonf/ESp fzufMurf;cif;aps;wif&ef jzpfygonf/ESp fzufMurf;cif;aps;wif&ef jzpfygonf/ESp fzufMurf;cif;aps;wif&ef jzpfygonf/8/ OD;0if;armif(rauG;)xHrS acs;aiGt&if;? twdk; pkpkaygif;&&ef&Sdusyf156.96 oef;jzpfNyD; rauG;usyf156.96 oef;jzpfNyD; rauG;usyf156.96 oef;jzpfNyD; rauG;usyf156.96 oef;jzpfNyD; rauG;usyf156.96 oef;jzpfNyD; rauG;
c½d kifw&m;½H k;wGifw&m;rBuD;rSKtrSwf(41^2020)jzif hw&m;pG Jqd kxm;&myrPmr'Du&D&&S d NyD;jzpfygonf/c½d kifw&m;½H k;wGifw&m;rBuD;rSKtrSwf(41^2020)jzif hw&m;pG Jqd kxm;&myrPmr'Du&D&&S d NyD;jzpfygonf/c½d kifw&m;½H k;wGifw&m;rBuD;rSKtrSwf(41^2020)jzif hw&m;pG Jqd kxm;&myrPmr'Du&D&&S d NyD;jzpfygonf/c½d kifw&m;½H k;wGifw&m;rBuD;rSKtrSwf(41^2020)jzif hw&m;pG Jqd kxm;&myrPmr'Du&D&&S d NyD;jzpfygonf/c½d kifw&m;½H k;wGifw&m;rBuD;rSKtrSwf(41^2020)jzif hw&m;pG Jqd kxm;&myrPmr'Du&D&&S d NyD;jzpfygonf/9/ OD;pdkif;atmif(awmifBuD;)xHrS acs;aiGt&if;twdk;pkpkaygif;bPfrS&&ef&Sd usyf724.97oef;usyf724.97oef;usyf724.97oef;usyf724.97oef;usyf724.97oef; jzpfNyD;
awmifBuD;c&dkifw&m;&Hk;wGifw&m;rBuD;rSKtrSwf(36^2018)jzifhw&m;pGJqdkxm;&m tNyD;owftEdkif'Du&DusNyD;
Zm&DrS KzGif haqmif&Gufxm;qJjzpfZm&DrS KzGif haqmif&Gufxm;qJjzpfZm&DrS KzGif haqmif&Gufxm;qJjzpfZm&DrS KzGif haqmif&Gufxm;qJjzpfZm&DrS KzGif haqmif&Gufxm;qJjzpfygonf/10/ a':pef;,OfeK(awmifBuD;)xHrSacs;aiGt&if;? twdk; pkpkaygif;&&ef&Sd usyf 91.00oef;usyf 91.00oef;usyf 91.00oef;usyf 91.00oef;usyf 91.00oef;jzpfNyD;
awmifBuD;c&dkifw&m;&Hk;wGifw&m;rBuD;rSKtrSwf(132^2019)jzifhw&m;pG Jqdkxm;&m avvHwifa&mif;csqJw&m;pG Jqdkxm;&m avvHwifa&mif;csqJw&m;pG Jqdkxm;&m avvHwifa&mif;csqJw&m;pG Jqdkxm;&m avvHwifa&mif;csqJw&m;pG Jqdkxm;&m avvHwifa&mif;csqJ
jzpfygonf/jzpfygonf/jzpfygonf/jzpfygonf/jzpfygonf/11/ OD;odef;xGef;(awmifBuD;)xHrS acs;aiGt&if;? twdk; pkpkaygif;&&ef&Sd usyf234.31 oef;jzpfNyD;
awmifMuD;c½dkifw&m;½Hk;wGifw&m;rBuD;rSKtrSwf(41^2020)jzifhw&m;pGJqdkxm;&m yPmr'Du&D&&SdNyD;yPmr'Du&D&&SdNyD;yPmr'Du&D&&SdNyD;yPmr'Du&D&&SdNyD;yPmr'Du&D&&SdNyD;jzpfygonf/12/ OD;pHaiG(awmifMuD;)xHrS acs;aiGt&if;? twdk; pkpkaygif;&&ef&Sd usyf204.40 oef;jzpfjyD; awmifBuD;
c½dkifw&m;½Hk;wGifw&m;rBuD;rSKtrSwf(107^2020)jzifhw&m;pGJqdkxm;&m yPmr'Du&D&&SdNyD;yPmr'Du&D&&SdNyD;yPmr'Du&D&&SdNyD;yPmr'Du&D&&SdNyD;yPmr'Du&D&&SdNyD;jzpfygonf/13/ OD;jrwfbkef;&Sdef(awmifBuD;)xHrS acs;aiGt&if;? twdk; pkpkaygif;&&ef&Sd usyf54.52 oef;jzpfNyD;
awmifBuD;c½dkifw&m;½Hk;wGifw&m;rBuD;rSKtrSwf(108^2020)jzifhw&m;pGJqdkxm;&myPmr'Du&D&&SdNyD;Pmr'Du&D&&SdNyD;Pmr'Du&D&&SdNyD;Pmr'Du&D&&SdNyD;Pmr'Du&D&&SdNyD;jzpfygonf/14/ OD;apmodef;a&T(bm;tH)xHrS acs;aiGt&if;? twdk;pkpkaygif;&&ef&S d usyf214.14oef;jzpfNyD;
bm;tHc½dkifw&m;½Hk;wGifw&m;rBuD;rSK trSwf(49^2019)jzifhw&m;pGJqdkxm;&m avvHwifa&mif;cs&eftwGufavvHwifa&mif;cs&eftwGufavvHwifa&mif;cs&eftwGufavvHwifa&mif;cs&eftwGufavvHwifa&mif;cs&eftwGuf
avvHMurf;cif;aps;wif&eavvHMurf;cif;aps;wif&eavvHMurf;cif;aps;wif&eavvHMurf;cif;aps;wif&eavvHMurf;cif;aps;wif&efjzpfygonf/15/ OD;armifarmif? a':cifapmodkuf(rHk&Gm)xHrSacs;aiGt&if;? twdk;pkpkaygif;&&ef&Sd usyf 1567.86oef;
jzpfNyD; ppfudkif;wdkif;a'oBuD;? w&m;vTwfawmfw&m;&Hk;? rHk&GmNrdKUwGifw&m;rBuD;rSKtrSwf(3^2020) jzifhw&m;pGJqdkxm;&m w&m;½Hk;rS trSKwGJvufcHxm;NyD;w&m;NydKifrsm;vm&efcsdef;qdkxm;ygonf/
acs;aiGa<u;usefacs;aiGa<u;usefacs;aiGa<u;usefacs;aiGa<u;usefacs;aiGa<u;usef(NPL)rsm;tajctae2018-2019b@ma&;ESpfESifhEdIif;,SOfvQifacs;aiGa<u;usefrSm usyf9ç965.86oef;rSusyf11ç323.22oef;xd
wdk;cJhygonf/ t"dutaMumif;&if;rSm urÇmhuyfa&m*g(Coronavirus Covid-19)jzpfay:aeojzifh pD;yGm;a&;
vkyfief;rsm;usqif;oGm;jcif;aMumifhjzpfygonf/
- 11 -
Z,m; - 12 - Z,m; - 12 - Z,m; - 12 - Z,m; - 12 - Z,m; - 12 - acs;aiGaMuG;usefpm&if;acs;aiGaMuG;usefpm&if;acs;aiGaMuG;usefpm&if;acs;aiGaMuG;usefpm&if;acs;aiGaMuG;usefpm&if;(NPL)
vlOD;a&vlOD;a&vlOD;a&vlOD;a&vlOD;a& aMuG;useftrsdK;tpm; aMuG;usefacs;aiG &mcdkifESkef; ta&;,laqmif&Guf aMuG;useftrsdK;tpm; aMuG;usefacs;aiG &mcdkifESkef; ta&;,laqmif&Guf aMuG;useftrsdK;tpm; aMuG;usefacs;aiG &mcdkifESkef; ta&;,laqmif&Guf aMuG;useftrsdK;tpm; aMuG;usefacs;aiG &mcdkifESkef; ta&;,laqmif&Guf aMuG;useftrsdK;tpm; aMuG;usefacs;aiG &mcdkifESkef; ta&;,laqmif&Guf
yrmP(usyfoef;) xm;rItajctae yrmP(usyfoef;) xm;rItajctae yrmP(usyfoef;) xm;rItajctae yrmP(usyfoef;) xm;rItajctae yrmP(usyfoef;) xm;rItajctae
(u)vlyk*¾dKvf
19 a<u;qHk;(Loss) 11ç143.22 7.90 w&m;&HkwGifw&m;
pGJqdkxm;ygonf/
(c)vlyk*¾dKvf
2 (Doubtful) 180.00 0.13 w&m;pGJqdk&efpDpOf
aeygonf/
pkp kaygi f;p kp kaygi f;p kp kaygi f;p kp kaygi f;p kp kaygi f; 2 12 12 12 12 1 11ç323.2211ç323.2211ç323.2211ç323.2211ç323.22 8.038.038.038.038.03
*Old Classification 7.907.907.907.907.90
acs;aiGa<u;usefrsm;tenf;i,fwdk;vmaomfvnf; bPftwGufqHk;&SHK;edkifajcr&Sdyg/ bPftwGufqHk;&SHK;edkifajcr&Sdyg/ bPftwGufqHk;&SHK;edkifajcr&Sdyg/ bPftwGufqHk;&SHK;edkifajcr&Sdyg/ bPftwGufqHk;&SHK;edkifajcr&Sdyg/ taMumif;rSm acs;aiG
twGuftmrcHvHkavmufpGm&,lxm;jcif;? w&m;&Hk;wGifw&m;pGJqdkxm;jcif;? 'g&dkufwmrsm;ESifh bPfcGJBuD;Muyfa&;
aumfrwDrsm;rS rsufajcrjywfacs;aiGjyefvnf&&Sd&ef BudK;pm;aqmif&GufvQuf&Sdjcif;wdkYaMumifhjzpfygonf/
odkU&mwGif acs;aiGqHk;&SHK;Edkifajctvm;tvm ( Probability of Default ) udk cefYrSef;wGufcsufMunfh&mwGif
usyf0.06oef;0.06oef;0.06oef;0.06oef;0.06oef;cefYom&Sdygonf/ bPfwGifa<u;qHk;twGufvsmxm;aiGrSm usyf 2usyf 2usyf 2usyf 2usyf 2ç821.56oef;821.56oef;821.56oef;821.56oef;821.56oef;&Sdygonf/
odk Y jzpfygí bPftwGufrnfodk YrQBuD;rm;aoma<u;qHk;tEÅ&m,fr&S daMumif; wifjytyfygonf/bPftwGufrnfodk YrQBuD;rm;aoma<u;qHk;tEÅ&m,fr&S daMumif; wifjytyfygonf/bPftwGufrnfodk YrQBuD;rm;aoma<u;qHk;tEÅ&m,fr&S daMumif; wifjytyfygonf/bPftwGufrnfodk YrQBuD;rm;aoma<u;qHk;tEÅ&m,fr&S daMumif; wifjytyfygonf/bPftwGufrnfodk YrQBuD;rm;aoma<u;qHk;tEÅ&m,fr&S daMumif; wifjytyfygonf/
EdkifiHjcm;bPfvkyfief;EdkifiHjcm;bPfvkyfief;EdkifiHjcm;bPfvkyfief;EdkifiHjcm;bPfvkyfief;EdkifiHjcm;bPfvkyfief;(Foreign Banking)Ed kifiHjcm;aiGrsm;0,f,la&mif;csvJvS,fay;cGif hvd kifpif^tjynfjynfqdkif&mbPfvkyfief;vdkifpifEd kifiHjcm;aiGrsm;0,f,la&mif;csvJvS,fay;cGif hvd kifpif^tjynfjynfqdkif&mbPfvkyfief;vdkifpifEd kifiHjcm;aiGrsm;0,f,la&mif;csvJvS,fay;cGif hvd kifpif^tjynfjynfqdkif&mbPfvkyfief;vdkifpifEd kifiHjcm;aiGrsm;0,f,la&mif;csvJvS,fay;cGif hvd kifpif^tjynfjynfqdkif&mbPfvkyfief;vdkifpifEd kifiHjcm;aiGrsm;0,f,la&mif;csvJvS,fay;cGif hvd kifpif^tjynfjynfqdkif&mbPfvkyfief;vdkifpif
jrefrmEdkifiHawmfA[dkbPfrS vdkifpiftrSwfpDbDtrf tufzftD;trf'D 8^2011(24-10-2011)aeYpGJjzifh
EdkifiHjcm;aiGrsm;0,f,l? a&mif;cs? vJvS,fay;cGifhvdkifpi f(Money Changer Licence)udk &&SdcJYygonf/EdkifiHjcm;aiG
vJvS,fa&mif;csa&;aumifwm (Money Changer Counter)rsm;udk&efukef &Hk;csKyfESifhbPfcGJ( 22 )ckwGifzGifhvSpf
xm;ygonf/ jrefrmEdkifiHawmfA[dkbPfrSvdkifpiftrSwfpDbDtrf-tufzftD;trf'D-93^2012(24-8-2012)aepGJUjzifh
edkifiHjcm;aiGrsm; a&mif;0,fazmufum;onfhvdkifpi f(Authorized Dealer Licence)udk cGifhjyKcsuf&&SdcJhygonf/
pmtrSwf-2455^ 1587-uu ^2012-2013(2-10-2012)aeYpGJjzifhaqmif&GufcGifh&&SdcJYJ Yí &efukef&Hk;csKyfwGif
(2-10-2012)aeYrSpí edkifiHjcm;bPfvkyfief;^tjynfjynfqdkif&mbPfvkyfief;udk 0efaqmifrSKay;vQuf&Sdygonf/
Western Union ESif hEd kifiHjcm;aiGvTJvkyfief;csdwfqufaqmif&Gufjcif;ESif hEd kifiHjcm;aiGvTJvkyfief;csdwfqufaqmif&Gufjcif;ESif hEd kifiHjcm;aiGvTJvkyfief;csdwfqufaqmif&Gufjcif;ESif hEd kifiHjcm;aiGvTJvkyfief;csdwfqufaqmif&Gufjcif;ESif hEd kifiHjcm;aiGvTJvkyfief;csdwfqufaqmif&Gufjcif;yxryk*¾vdubPfESifhtar&duefEdkifiHtajcpdkuf Western Union Money Transfer Service wdkYcsdwfqufí
jynfyaiGvTJvkyfief;rsm;aqmif&Guf&ef (12-1-2013)aeYwGif oabmwlpmcsKyfvufrSwfa&;xdk;cJYygonf/ WesternUnion ESifhf EdkifiHaygif;(70)ausmfrSjrefrmEdkifiHodkY wdkuf&dkuftcsdefwdktwGif; aiGvTJvkyfief;(In bound Service)udk
aqmif&Gufay;vQuf&Sdygonf/ jrefrmEdkifiHawmfA[dkbPfrS(6-1-2016)aeYpGJjzifh jrefrmEdkifiHrS jynfyodkYEdkifiHjcm;
aiGvTJvkyfief;(Outbound Service)udk xyfrHcGifhjyKcJhonhftwGuf jrefrmEdkifiHrS jynfyEdkifiHrsm;odkYEdkifiHjcm; aiGvTJ
ay;ydkYjcif;vkyfief;udk 0efaqmifrSkay;vQuf&Sdygonf/ 2019-2020b@ma&;ESpfwGi fWestern Union EdkifiHjcm;aiGvTJ
vkyfief;rS&&Sdonfh0ifaiGrSm usyf207.01oef;usyf207.01oef;usyf207.01oef;usyf207.01oef;usyf207.01oef;&&SdcJhojzifh 2018-2019b@ma&;ESpfxuf(13.52%)(13.52%)(13.52%)(13.52%)(13.52%) wdk;wuf
&&SdcJhygonf/
- 12 -
2019-2020 b@ma&;ESpfwGif EdkifiHjcm;bPfvkyfief;rS&&Sdonfh0ifaiGrSm usyf276.17oef; usyf276.17oef; usyf276.17oef; usyf276.17oef; usyf276.17oef; &&SdcJhyg
onf/ 2018-2019ESpfESifh2019-2020b@ma&;ESpf EdkifiHjcm;bPfvkyfief;rS0ifaiGrsm;ESdKif;,SOfcsufudk Z,m;(13)
wGifazmfjyxm;ygonf/ EdkifiHjcm;bPfvkyfief;rS 0ifaiGusqif;vm&jcif;\ t"dutaMumif;rsm;rSm Covid-19oufa&mufrIaMumifh ydkYukef-oGif;ukef aiGay;acsrIusqif;vmjcif;ESifh a':vm^usyfaiGvJvS,fEIef;usqif;vmjcif;
ponfwdkYjzpfygonf/
Z,m; - 13 -Z,m; - 13 -Z,m; - 13 -Z,m; - 13 -Z,m; - 13 -EdkifiHjcm;bPfvkyfief;rS&&SdonfU0ifaiGrsm;tajctaeEdkifiHjcm;bPfvkyfief;rS&&SdonfU0ifaiGrsm;tajctaeEdkifiHjcm;bPfvkyfief;rS&&SdonfU0ifaiGrsm;tajctaeEdkifiHjcm;bPfvkyfief;rS&&SdonfU0ifaiGrsm;tajctaeEdkifiHjcm;bPfvkyfief;rS&&SdonfU0ifaiGrsm;tajctae
(usyf oef;) (usyf oef;) (usyf oef;) (usyf oef;) (usyf oef;)0ifaiG0ifaiG0ifaiG0ifaiG0ifaiG 2018-20192018-20192018-20192018-20192018-2019 2019-2020 2019-2020 2019-2020 2019-2020 2019-2020 &mcdkifESkef; &mcdkifESkef; &mcdkifESkef; &mcdkifESkef; &mcdkifESkef;
1/ EdkifiHjcm;bPf0efaqmifrSKvkyfief; 70.96 46.50 -34.47 2/ Western Union EdkifiHjcm;aiGvTJvkyfief; 182.35 207.01 13.52 3/ EdkifiHjcm;aiGvJvS,fa&;vkyfief; 29.47 19.97 -32.24 4/ pm&if;ajymif;a&mif;&aiG 468.19 2.69 -99.43
pkpkaygif;0ifaiGpkpkaygif;0ifaiGpkpkaygif;0ifaiGpkpkaygif;0ifaiGpkpkaygif;0ifaiG 750.97 750.97 750.97 750.97 750.97 276.17276.17276.17276.17276.17 -63.22-63.22-63.22-63.22-63.22
"Mykyat" rdkbdkif;bPfvkyfief;aqmif&GufaerSktajctaerdkbdkif;bPfvkyfief;aqmif&GufaerSktajctaerdkbdkif;bPfvkyfief;aqmif&GufaerSktajctaerdkbdkif;bPfvkyfief;aqmif&GufaerSktajctaerdkbdkif;bPfvkyfief;aqmif&GufaerSktajctaejrefrmEdkifiHawmfA[dkbPfrS pmtrSwfrAb^bPfpdppf̂ 0efaqmifrI(53^2014)(30-6-2014)aeYpGJjzifh
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Applicationudk Internet wGif download &,lEdkifygonf/ "Mykyat" jzifhaiGoGif;jcif;-aiGxkwfjcif;?aiGvTJay;ydkYjcif;
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rsm;0,f,ljcif;? jynfwGif;-jynfyav,mOfvufrSwfrsm;0,f,ljcif;? Online shopping aiGay;acsjcif;? Hoteltcef;rsm;iSm;&rf;jcif;? "Mykyat"ESifhcsdwfqufxm;onfhaps;qdkifrsm;wGifaps;0,f,ljcif;? pm;aomufqdkifrsm;wGif
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(1570)OD;(1570)OD;(1570)OD;(1570)OD;(1570)OD;rSwpfqifhaqmif&GufvQuf&Sdygonf/ Mykyat Mobile PaymentoHk;pGJolaygif;(65143)OD;&SdjyD;?oHk;pGJolaygif;(65143)OD;&SdjyD;?oHk;pGJolaygif;(65143)OD;&SdjyD;?oHk;pGJolaygif;(65143)OD;&SdjyD;?oHk;pGJolaygif;(65143)OD;&SdjyD;?
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ygonf/ MPT w,fvDzkef;bDvfaiGay;acsjcif;udk &efukefwdkif;wGifNrdKUe,faygif;(14)ckwGif aqmif&Gufay;vQuf
& S dy gonf/ Mykyat rd kbd kif;bPfvkyfief;rS&&S donfh0ifaiGrSm 2018-2019 b@ma&;ESpfwGif018-2019 b@ma&;ESpfwGif018-2019 b@ma&;ESpfwGif018-2019 b@ma&;ESpfwGif018-2019 b@ma&;ESpfwGif
usyf136.40odef;&&S dc J h Ny D;2019-2020b@ma&;ESpfwGifusyf109.93odef;&&S dc J hygonf/usyf136.40odef;&&S dc J h Ny D;2019-2020b@ma&;ESpfwGifusyf109.93odef;&&S dc J hygonf/usyf136.40odef;&&S dc J h Ny D;2019-2020b@ma&;ESpfwGifusyf109.93odef;&&S dc J hygonf/usyf136.40odef;&&S dc J h Ny D;2019-2020b@ma&;ESpfwGifusyf109.93odef;&&S dc J hygonf/usyf136.40odef;&&S dc J h Ny D;2019-2020b@ma&;ESpfwGifusyf109.93odef;&&S dc J hygonf/
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twGuf (7-12-2015)aeYwGifusif;yonfh'g½dkufwmtzGJUtpnf;ta0;rS &efukefpawmhtdyfcsdef;(YSX)wGif
pm&if;0if&efqHk;jzwfcJhNyD; (8-12-2015)aeYuavQmufxm;cJhygonf/ &efukefpawmhtdyfcsdef;wGif (20-1-2017)
aeYrSpNyD; yxryk*¾vdubPftpk&S,f,mrsm;udk ta&mif;t0,fjyKvkyfcJhygonf/
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(30-9-2020)aeY&efukefpawmhtdyfcsdef;(YSX)wGiff yxryk*¾vdubPf&S,f,mwpfpkvQif usyf22500usyf22500usyf22500usyf22500usyf22500
jzifhta&mif;t0,fjzpfcJhygonf/ &efukefpawmhtdyfcsdef;wGif bPftpk&S,f,mrsm; pwifta&mif;t0,fjyKvkyfcJh
onfh (20-1-2017)aeY rS(30-9-2020)aeYtxd ta&mif;t0,fjzpfonfhyrmP(Trade Volume)rSm tpk&S,f,m
(500(500(500(500(500ç711)pk711)pk711)pk711)pk711)pk&S d NyD; aiGyrmPusyf 10usyf 10usyf 10usyf 10usyf 10ç382.44oef;382.44oef;382.44oef;382.44oef;382.44oef; jzpfygonf/
Digital Banking taumiftxnfaz:rItajctaetaumiftxnfaz:rItajctaetaumiftxnfaz:rItajctaetaumiftxnfaz:rItajctaetaumiftxnfaz:rItajctae
bPfvkyfief;udkurÇmhtqifhrDuGefysLwmenf;ynmrsm;udktoHk;jyKNyD; acwfrDbPf0efaqmifrSKrsm; DigitalBanking odkY atmifjrifpGmul;ajymif;Edkif&ef vdktyfaomBudKwifjyifqifrIrsm;udk BudK;pm;aqmif&GufvQuf&Sdygonf/
vkyfief;vrf;nTefrsm; vkyfief;vrf;nTefrsm; vkyfief;vrf;nTefrsm; vkyfief;vrf;nTefrsm; vkyfief;vrf;nTefrsm; ( Hand Book) jyKpkjcif;jyKpkjcif;jyKpkjcif;jyKpkjcif;jyKpkjcif;
No. Document Prepared Role or Importance of the Document
1 Product & Service Guide This document serves as a checklist for verifying the core banking system chosen supports all existing bank products and services.
2 COA Design Document
This document is necessary to create the general ledger accounts in not only bank’s core banking system but also in bank’s enterprise ledger or enterprise accounting information system.
3. Regulatory Reporting Guide for Accounting Dept. Proper regulatory reporting guides are essential to automate
the labour intensive, manual process of preparing regulatory reports for CBM and other organizations.
4. Regulatory Reporting Guide for Foreign Banking Dept.
5. Regulatory Reporting Guide for Loan Dept.
6. Accounting Guide for Cash Deposit Transactions.
These accounting guides are necessary for effectively testing the core banking system and serve as a quality curriculum for training our bank staff. Each guide covers same currency & cross-Currency home Branch, inter-branch, and inter-bank transactions These are transactions that a modern bank must routinely perform.
7 Account Guide for Cash Withdrawal Transactions.
8 Account Guide for Account Transfer Transactions.
9
Accounting Guide for Cashing, Depositing & Clearing Cheques
This accounting guide is necessary for effectively testing the core banking system and serve as a quality curriculum for training our bank staff. It covers intra-bank and inter-bank cheque clearing transactions.
10
Accounting Guide for Issuing, Depositing & Clearing Payment Orders
This accounting guide is necessary for effectively testing the core banking system and serve as a quality curriculum for training our bank staff. It covers intra-bank and inter-bank payment order clearing transactions.
11 Accounting Guide for Domestic Intra-Bank and Inter-Bank Remittance
This accounting guide is necessary for effectively testing the core banking system and serve as a quality curriculum for training our bank staff. It covers domestic intra-bank and inter-bank remittance transactions.
12
Accounting Guide for International Remittance
This accounting guide is necessary for effectively testing the core banking system and serve as a quality curriculum for training our bank staff. It covers international retail remittance transactions (both inbound and outbound) in partnership with Western Union.
13
Accounting Guide for Foreign Currency Transactions Including FX Trading
This accounting guide is necessary for effectively testing the core banking system and serve as a quality curriculum for training our bank staff. It covers the accounting for all of bank’s current foreign currency transactions in accordance with relevant international accounting standard, IAS 21 (The Effects of Changes in Foreign Exchange Rates).
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tajccHtaqmuftO D(Infra-structure)rsm;BudKwifrsm;jyifqifjcif;rsm;BudKwifrsm;jyifqifjcif;rsm;BudKwifrsm;jyifqifjcif;rsm;BudKwifrsm;jyifqifjcif;rsm;BudKwifrsm;jyifqifjcif;
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Enterprise Network Infrastructure Project Status for all Branches
Digital transformation udk atmifjrifpGmtaumiftxnfaz:Edkif&ef aumif;pGmpDrHcefYcGJEdkifaom t&nf
tcsif;ESifhuRrf;usifrI&Sdaom IT XmerS 0efxrf;rsm;udk cefYtyfavhusifhvsuf&Sdygonf/ IT XmewGif t&nftcsif;
&Sdonfh0efxrf;rsm;udk &SmazGcefYtyfEdkifa&;udkvnf; qufvufaqmif&GufvQuf&Sdygonf/
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bPftyfaiGtwdk;p&dwfrsm;txdkuftavsmufumrdap&efESifhtwdk;0ifaiGrsm;&&Sdap&eftwGufbPfrS
tpdk;&aiGwdkufpmcsKyfrsm;0,f,l&if;ESD;xm;ygonf/2019-2020b@ma&;ESpfukef(30-9-2020)aeUwGifbPfrS
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jrefrmay;refY,leD,Hjrefrmay;refY,leD,Hjrefrmay;refY,leD,Hjrefrmay;refY,leD,Hjrefrmay;refY,leD,H(MPU)&S,f,m0,f,ljcif;&S,f,m0,f,ljcif;&S,f,m0,f,ljcif;&S,f,m0,f,ljcif;&S,f,m0,f,ljcif;yxryk*¾vdubPf 'g&dkufwmtzGJU6^2015tpnf;ta0;rS aiGay;acsrSKpepfudktqifhjr§ihfwifEdlif&efESifh
bPfazmufonfrsm;udk Card Business jzifh0efaqmifrSKay;Edkif&eftwGuf jrefrmay;refY,leD,HukrÜPD(MyanmarPayment Union (MPU)wGiftpk&S,f,mwpfpkvQif usyf10ç000jzifhtpk&S,f,m(20ç000)pk(20ç000)pk(20ç000)pk(20ç000)pk(20ç000)pkwefzdk;aiGusyfaiGusyfaiGusyfaiGusyfaiGusyf
oef;(200)oef;(200)oef;(200)oef;(200)oef;(200)zdk;0,f,l&efqHk;jzwfcJhNyD;(23-9-2015)aeYu0,f,lcJhygonf/ yxryk*¾vdubPfrSm(MPU)tzGJU0if
jzpfjyD; MPUESifhcsdwfqufjyD;0efaqmifrIay;Edkif&ef pDpOfrnfjzpfygonf/
No. City/Town MW/Fiber/Data Trunking1 Head Office Fiber (Done)2 YGN-Bayintnaung MW (Done)3 YGN-Theingyizay Fiber (Done)4 YGN-Latha Fiber (Done)5 YGN-Thiriyatanar Fiber (Done)6 YGN-Ahlon Fiber (Done)7 Mandalay (zaycho) Fiber (Done)8 Mandalay( 30 St) Fiber (Done)9 Naypyitaw MW (Done)
10 Monywa-1(zay st) MW (Done)11 Monywa-2(new) MW (Done)12 Pakokku MW (Done)13 Magway MW (Done)14 Dawei MW (Done)15 Kamma MW (Done)16 Kawthoung MW (Done)17 Kaukpadaung MW (Done)18 Minhla MW (Done)
No. City/Town MW/Fiber/Data Trunking19 Myaing MW (Done)20 Aung Pan MW (Done)21 Taunggyi Fiber (Done)22 Kale MW (Done)23 Pathein MW (Done)24 Tedim MW (Done)25 Shwe Bo MW (Done)26 Gangaw MW (Done)27 Myikyina Fiber (Done)28 Loikaw Fiber (Done)29 Hinthada MW (In Progress) (Done)30 Maubin MW (In Progress) (Done)31 Hpa-An MW (Done) 32 Myawaddy Fiber (On Going Testing)/(Done)33 Myeik Fiber (In Progress)34 Malamyine Fiber (In Progress)35 Pyay MW (Done)36 Budalin MW (Done)/(In Progress)
- 15 -
bPfydkifajrESif htaqmuftODrsm;0,f,lxm;jcif;bPfydkifajrESif htaqmuftODrsm;0,f,lxm;jcif;bPfydkifajrESif htaqmuftODrsm;0,f,lxm;jcif;bPfydkifajrESif htaqmuftODrsm;0,f,lxm;jcif;bPfydkifajrESif htaqmuftODrsm;0,f,lxm;jcif;
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rlv0,f,lxm;onfh wefzd k ;xufrlv0,f,lxm;onfh wefzd k ;xufrlv0,f,lxm;onfh wefzd k ;xufrlv0,f,lxm;onfh wefzd k ;xufrlv0,f,lxm;onfh wefzd k ;xufusyf15ç100.48oef; usyf15ç100.48oef; usyf15ç100.48oef; usyf15ç100.48oef; usyf15ç100.48oef; cef Yy d krsm;ygonf/cef Yy d krsm;ygonf/cef Yy d krsm;ygonf/cef Yy d krsm;ygonf/cef Yy d krsm;ygonf/
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OD;yd kiftrSwf(189)*&efajray:wGif rif;wyfbPfcG JzGif hvSpf&ef taqmuftODaqmufvkyfNyD;pD;NyD jzpfí
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'g½dkufwmtzGJUOuúXESifUtzGJU0ifrsm; 'g½dkufwmtzGJUOuúXESifUtzGJU0ifrsm; 'g½dkufwmtzGJUOuúXESifUtzGJU0ifrsm; 'g½dkufwmtzGJUOuúXESifUtzGJU0ifrsm; 'g½dkufwmtzGJUOuúXESifUtzGJU0ifrsm;2019ckESpf? Edk0ifbmv(24)&ufaeYwGifusif;yjyKvkyfonfh (28) BudrfajrmufESpfywfvnf taxGaxGtpnf;
ta0;wGif tvSnfhus'g½dkufwm(3)OD; EIwfxGufcJhygonf/ ESKwfxGufonfh'g&dkufwm(3)OD;rS (3)OD; jyefvnfta&G;cH
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'g½dkufwm(3)OD;rSm (1)OD;xGef;qdkif (2)OD;jrihfvGif (3)OD;xifatmifausmfOD;wdkYjzpfMuygonf/
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(7)OD;[efjrif h (8)OD;jrif hvGif (9)a'gufwmwifodef; (10)OD;xifatmifausmfOD; (11)a'gufwmatmifrif;
- 16 -
(12)OD;odef;jrifh (13)OD;uyfcif;aygif(oD;jcm;vGwfvyfonfh'g&dkufwm) (14)a':&D&DvGif(oD;jcm;vGwfvyfonfh
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'g&d kufwmtzGJU0ifrsm;ES kwfxGufvTmwifjcif;'g&d kufwmtzGJU0ifrsm;ES kwfxGufvTmwifjcif;'g&d kufwmtzGJU0ifrsm;ES kwfxGufvTmwifjcif;'g&d kufwmtzGJU0ifrsm;ES kwfxGufvTmwifjcif;'g&d kufwmtzGJU0ifrsm;ES kwfxGufvTmwifjcif;1/ 'g&d kufwma'gufwmwifodef;rS (23-2-2020)aeYwGifusif;yonfh'g&d kufwmtzGJ Y(2^2020)
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tcsdefjynfh'g½d kufwmrsm;udkcs D;jrSif honfhvpmESif hcHpm;cGif hrsm;tcsdefjynfh'g½d kufwmrsm;udkcs D;jrSif honfhvpmESif hcHpm;cGif hrsm;tcsdefjynfh'g½d kufwmrsm;udkcs D;jrSif honfhvpmESif hcHpm;cGif hrsm;tcsdefjynfh'g½d kufwmrsm;udkcs D;jrSif honfhvpmESif hcHpm;cGif hrsm;tcsdefjynfh'g½d kufwmrsm;udkcs D;jrSif honfhvpmESif hcHpm;cGif hrsm;2019-2020b@ma&; tcsdefjynfhwm0efxrf;aqmifonfh'g&dkufwmrsm;udkcsD;jr§ifhonfh vpmp&dwf
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tttttcsdefyd kif;'g&d kufwmrsm;ESif hbPfcG J MuD;Muyfa&;aumfrwDrsm;udkcs D;jrSif haiGcs defyd kif;'g&d kufwmrsm;ESif hbPfcG J MuD;Muyfa&;aumfrwDrsm;udkcs D;jrSif haiGcs defyd kif;'g&d kufwmrsm;ESif hbPfcG J MuD;Muyfa&;aumfrwDrsm;udkcs D;jrSif haiGcs defyd kif;'g&d kufwmrsm;ESif hbPfcG J MuD;Muyfa&;aumfrwDrsm;udkcs D;jrSif haiGcs defyd kif;'g&d kufwmrsm;ESif hbPfcG J MuD;Muyfa&;aumfrwDrsm;udkcs D;jrSif haiG2019-2020b@ma&;ESpftwGuf bPfcGJrsm;wGiftcsdefydkif;MuD;Muyfonfh'g&dkufwmrsm;ESifh tBuHay;
rsm;\cHpm;cGifhp&dwfrsm;ESifh tpnf;ta0;xkdifp&dwfrsm;pkpkaygif;rSm usyf17.10oef;usyf17.10oef;usyf17.10oef;usyf17.10oef;usyf17.10oef;jzpfygonf/
- 17 -
bPfcG J MuD;Muyfa&;aumfrwDrsm;zG JUpnf;xm;&S d jcif;bPfcG J MuD;Muyfa&;aumfrwDrsm;zG JUpnf;xm;&S d jcif;bPfcG J MuD;Muyfa&;aumfrwDrsm;zG JUpnf;xm;&S d jcif;bPfcG J MuD;Muyfa&;aumfrwDrsm;zG JUpnf;xm;&S d jcif;bPfcG J MuD;Muyfa&;aumfrwDrsm;zG JUpnf;xm;&S d jcif;e,fbPfcGJrsm;wGif 'g&dkufwmrsm;? BuHay;rsm;ESifhNrdKUay:rS *kPfoa&&SdvlBuD;rsm;? pD;yGm;a&;vkyfief;
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- 18 -
(6)Oya'ESifhenf;Oya'vdkufemrIqdkif&maumfrwD (6)Oya'ESifhenf;Oya'vdkufemrIqdkif&maumfrwD (6)Oya'ESifhenf;Oya'vdkufemrIqdkif&maumfrwD (6)Oya'ESifhenf;Oya'vdkufemrIqdkif&maumfrwD (6)Oya'ESifhenf;Oya'vdkufemrIqdkif&maumfrwD (Compliance Committee)
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- 19 -
IFRS udk pwiftaumiftxnfaz:jcif;udk pwiftaumiftxnfaz:jcif;udk pwiftaumiftxnfaz:jcif;udk pwiftaumiftxnfaz:jcif;udk pwiftaumiftxnfaz:jcif;
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