hf/l ul/psf kl/kqdf ul/psf ;+zf]wg÷kl/dfh{g÷yk joj:yf ......miscellaneous expenditure not written...
TRANSCRIPT
1
PsLs[t lgb{]zg, @)&^ hf/L ug]{ qmddf ljBdfg PsLs[t lgb]{zg @)&% tyf tt\kZrft\ hf/L ul/Psf
kl/kqdf ul/Psf ;+zf]wg÷kl/dfh{g÷yk Joj:yf ;DaGwL tflnsf
qm=;+ lgb]{zg g+= ljBdfg Joj:yf ;+zf]lwt Joj:yf
1= O=k|f=lgb]{zg g+= !÷)&%
sf] Capital Adequacy
Framework, 2007 /
2015 sf] a'Fbf g+= #=# sf]
v08 -C_ sf] pkv08 -@_
sf] k|laGwfTds jfSof+z
df ;+zf]wg
However, the claims on foreign banks incorporated
in the SAARC region and which operate with a
buffer of 1% above their respective regulatory
minimum capital requirements may be risk weighed
at 20%.
However, the claims on foreign banks incorporated
in the SAARC region and China and which operate
with a buffer of 1% above their respective regulatory
minimum capital requirements may be risk weighed
at 20%.
2= O=k|f=lgb]{zg g+= !÷)&%
sf] Capital Adequacy
Framework, 2007 /
2015 sf] a'Fbf g+= #=# sf]
v08 -J_-1_ sf] bf];|f] a'n]6
df ;+zf]wg
Staff loan given as per Employee By-laws and
secured by residential property, that is or will be
occupied by the staff or that is rented, will be risk-
weighed at 60%. However, banks should ensure the
existence of adequate margin of security over the
amount of loan based on strict valuation rules.
Staff loan given as per Employee By-laws and
secured by residential property, that is or will be
occupied by the staff or that is rented, will be risk-
weighed at 50%. However, banks should ensure the
existence of adequate margin of security over the
amount of loan based on strict valuation rules.
3= O=k|f=lgb]{zg g+= !÷)&%
sf] Capital Adequacy
Framework, 2007 /
2015 sf] Form No 2
RISK WEIGHTED
EXPOSURE FOR
CREDIT RISK sf]
$!cf} Row df ;+zfw]g
A. Balance
Sheet
Exposures
Book
Value
Specific
Provision
Eligible
CRM
Net
Value
Risk
Weight
Risk
Weighted
Exposures
Staff loan
secured
by
residential
property
0 0 0 0 60% 0
A. Balance
Sheet
Exposures
Book
Value
Specific
Provision
Eligible
CRM
Net
Value
Risk
Weight
Risk
Weighted
Exposures
Staff loan
secured
by
residential
property
0 0 0 0 50% 0
4= O=k|f=lgb]{zg g+= !÷)&%
sf] Capital Adequacy
Framework, 2015 /
Capital Adequacy
Framework, 2007 sf] Form No 2 RISK
WEIGHTED
EXPOSURE FOR
A. Balance
Sheet
Exposures
Book
Value
Specific
Provision
Eligible
CRM
Net
Value
Risk
Weight
Risk
Weighted
Exposures
Claims on
Other
Multilater
al
Developm
ent Banks
0 0 0 0 100% 0
Claims on
Public 0 0 0 0 20% 0
A. Balance
Sheet
Exposures
Book
Value
Specific
Provision
Eligible
CRM
Net
Value
Risk
Weight
Risk
Weighted
Exposures
Claims on
Other
Multilater
al
Developm
ent Banks
0 0 0 0 100% 0
Claims
on 0 0 0 0 100% 0
2
qm=;+ lgb]{zg g+= ljBdfg Joj:yf ;+zf]lwt Joj:yf
CREDIT RISK sf]
!$cf} / !%cf} sf]
aLrdf gofF Row yk
Sector
Entity
(ECA 0-
1)
Domestic
Public
Sector
Entities
Claims on
Public
Sector
Entity
(ECA 0-
1)
0 0 0 0 20% 0
5= O=k|f=lgb]{zg g+= !÷)&%
sf] Capital Adequacy
Framework, 2015 tyf Capital Adequacy
Framework, 2007 sf]
Form No. 5 Other
Assets sf] qmd ;+Vof !
/ @ vf/]h
FORM NO.5 OTHER ASSETS
S.N
o.
Assets Gross
Amou
nt
Specific
Provision
&
Valuation
Adjustme
nt
Net
Balance
1 Cash and Cash
Items in Transit
0
2
Miscellaneous
Expenditure not
written off
0
qmd ;+Vof ! / @ vf/]h u/L kmf/fdsf] qmd ;+Vof ldnfg
ul/Psf] .
6= O=k|f=lgb]{zg g+= !÷)&%
sf] Capital Adequacy
Framework, 2015 sf]
Form No. 6 / Form No.
7 df ;+zf]wg
Form No. 6 / Form No. 7 df /x]sf] b]xfoadf]lhdsf]
Joj:yf
Risk Weight (reciprocal of capital requirement
of 10%) in times 10
Form No. 6 / Form No. 7 df /x]sf] b]xfoadf]lhdsf] Joj:yf
Risk Weight (reciprocal of capital requirement
of 11%) in times 9.09
7= O=k|f=lgb]{zg g+=
@÷)&%
sf] a'Fbf g+= ! sf]
pka'Fbf -s_ sf] v08 -
@_ sf] pkv08 -O{_ df
;+zf]wg
!= shf{ ;fk6sf] juL{s/0f
;fFjf / Jofh lgoldt ?kdf e'QmfgL ePtfklg
nuftf/ b'O{ jif{b]lv v'b gf]S;fgLdf /x]sf] jf g]6jy{
C0ffTds /x]sf] kmd{, sDkgL jf ;+:yfnfO{ k|jflxt
shf{ . t/, lgdf{0ffwLg cj:yfdf /x]sf kl/of]hgfnfO{
k|bfg ul/Psf] shf{sf] xsdf kl/of]hgfn] Jofj;flos
pTkfbg z''? u/]kl5 dfq of] Joj:yf nfu" x'g]5 .
!= shf{ ;fk6sf] juL{s/0f
;fFjf / Jofh lgoldt ?kdf e'QmfgL ePtfklg nuftf/
b'O{ jif{b]lv v'b gf]S;fgLdf /x]sf] jf g]6jy{ C0ffTds
/x]sf] kmd{, sDkgL jf ;+:yfnfO{ k|jflxt shf{ . t/,
lgdf{0ffwLg cj:yfdf /x]sf kl/of]hgfnfO{ k|bfg
ul/Psf] shf{sf] xsdf kl/of]hgfn] Jofj;flos
pTkfbg z''? u/] kZrft @ cfly{s jif{sf] ljQLo
ljj/0fsf] cfwf/df dfq of] Joj:yf nfu" x'g]5 .
8= O=k|f=lgb]{zg g+= != shf{ ;fk6sf] juL{s/0f != shf{ ;fk6sf] juL{s/0f
3
qm=;+ lgb]{zg g+= ljBdfg Joj:yf ;+zf]lwt Joj:yf
@÷)&% sf] a'Fbf g+= !
sf] pka'Fbf -s_ sf]
v08 -@_ sf] gofF v08
-C_ yk
xfn gePsf]
-C_ shf{ :jk'FhL cg'kft (Debt to Equity Ratio) *)M@)
eGbf a9L x'g] u/L k|jfx ePsf shf{x? . t/, xfn o:tf]
cg'kft kfngf gePsf shf{x?sf] xsdf @)&&
c;f/d;fGt;Dd o; Joj:yf adf]lhd ;"Id lgu/fgL
shf{df juL{s/0f ug{ clgjfo{ x'g] 5}g .
9= O=k|f=lgb]{zg g+= @÷)&%
sf] a'Fbf g+= # df sf]
v08 -5_ df ;+zf]wg
#= v/fa shf{ ;DaGwL yk Joj:yf
-5_ shf{ ;"rgf s]Gb|sf] sfnf];"rLdf sfod /x]sf
C0fLnfO{ shf{ k|bfg u/]sf] cj:yfdf
#= v/fa shf{ ;DaGwL yk Joj:yf
-5_ shf{ ;"rgf s]Gb|sf] sfnf];"rLdf sfod /x]sf
C0fLnfO{ gofF jf yk shf{ k|bfg u/]sf] cj:yfdf
.
10= O=k|f=lgb]{zg g+= @÷)&%
sf] a'Fbf g+= # df gofF
v08 -9_ yk
#= v/fa shf{ ;DaGwL yk Joj:yf
xfn gePsf]
#= v/fa shf{ ;DaGwL yk Joj:yf
-9_ a}+s tyf ljQLo ;+:yfaf6 shf{ lnO{ ;Da4 JolQm
jf ;+:yfnfO{ shf{÷;fk6 k|bfg u/]df .
11= O=k|f=lgb]{zg g+= @÷)&%
sf] a'Fbf g+= $ sf]
pka'Fbf g+= -@_ df
;+zf]wg
$= cfjlBs shf{ ;DaGwL yk Joj:yf
hnljB't kl/of]hgf, ljB't k|;f/0f nfOg-Transmission Line / s]jnsf/ lgdf{0f kl/of]hgf
shf{sf] xsdfs'g} ls:tfn] () lbgeGbf a9Ln] efvf
gf3]df To:tf] ls:tf /sdnfO{ v/fj ju{df juL{s/0f
u/L ls:tfsf] ztk|ltzt shf{ gf]S;fgL Joj:yf sfod
ug'{ kg]{5 .
$= cfjlBs shf{ ;DaGwL yk Joj:yf
hnljB't kl/of]hgf, ljB't k|;f/0f nfOg-Transmission Line, s]jnsf/ lgdf{0f kl/of]hgf /
gjLs/0fLo phf{ kl/of]hgfsf] xsdf s'g} ls:tfn] ()
lbgeGbf a9Ln] efvf gf3]df To:tf] ls:tf /sdnfO{
v/fj ju{df juL{s/0f u/L ls:tfsf] ztk|ltzt shf{
gf]S;fgL Joj:yf sfod ug'{ kg]{5 .
12= O=k|f=lgb]{zg g+= @÷)&%
sf] a'Fbf g+=( sf] pka'Fbf
g+= -$_ df ;+zf]wg
(= shf{ gf]S;fgL jfkt sfod ug'{ kg]{ Joj:yf
-$_ a}+s tyf ljQLo ;+:yfx?n] z'? ;]o/ lgisfzg -
Initial Public Offering - IPO_ x'Fbfsf] cj:yfdf
;]o/ vl/bsf nflu a'emfOg] cfj]bgsf] cw{s§Lsf]
;'/If0fdf o; lgb]{zgsf] a'Fbf g+= !% df ePsf]
Joj:yf ljk/Lt s'g} lsl;dsf] shf{ k|jfx ug{
kfOg] 5}g . To:tf] shf{ k|jfx u/]sf] xsdf
;DalGwt a}+s tyf ljQLo ;+:yfn] zt k|ltzt
shf{ gf]S;fgL Joj:yf sfod ug'{ kg]{5 .
(= shf{ gf]S;fgL jfkt sfod ug'{ kg]{ Joj:yf
-$_ a}+s tyf ljQLo ;+:yfx?n] z'? ;]o/ lgisfzg -
Initial Public Offering - IPO_ x'Fbfsf] cj:yfdf
;]o/ vl/bsf nflu a'emfOg] ljj/0f÷cfj]bgsf]
cw{s§Lsf] ;'/If0fdf o; lgb]{zgsf] a'Fbf g+= !% df
ePsf] Joj:yf ljk/Lt k|jfx u/]sf] shf{df zt
k|ltzt shf{ gf]S;fgL Joj:yf sfod ug'{ kg]{5 .
4
qm=;+ lgb]{zg g+= ljBdfg Joj:yf ;+zf]lwt Joj:yf
13= O=k|f=lgb]{zg g+= @÷)&%
sf] a'Fbf g+= !# df
;+zf]wg
!#=ljQLo hdfgtsf] cfwf/df shf{ lbg tyf lgIf]k
:jLsf/ ug{ gkfpg] ;DaGwL Joj:yf
:jb]zdf :yfkgf eO{ ;~rfngdf /x]sf a}+s tyf
ljQLo ;+:yfx?n] hf/L u/]sf] ljQLo hdfgt
(Financial Guarantee) sf cfwf/df s'g} klg a}+s
tyf ljQLo ;+:yfx?n] shf{ / ;'ljwf lbg tyf lgIf]k
:jLsf/ ug{ kfpg] 5}g .
!#=ljQLo hdfgtsf] cfwf/df shf{ lbg tyf lgIf]k
:jLsf/ ug{ gkfpg] ;DaGwL Joj:yf
:jb]zdf :yfkgf eO{ ;~rfngdf /x]sf a}+s tyf ljQLo
;+:yfx?n] hf/L u/]sf] ljQLo hdfgt (Financial
Guarantee) sf cfwf/df s'g} klg a}+s tyf ljQLo
;+:yfx?n] shf{ / ;'ljwf lbg tyf lgIf]k :jLsf/ ug{
kfpg] 5}g . t/, ævÆ tyf æuÆ ju{sf ljQLo ;+:yfsf]
hdfgtdf jfl0fHo a}+sn] hdfgt tyf k|ltt kq hf/L
ug{ afwf kg]{ 5}g .
14= O=k|f=lgb]{zg g+= @÷)&%
sf] a'Fbf g+= !$ sf]
pka'Fbf g+= $ nfO{ vf/]h
u/L ;f]xL Joj:yf O=k|f=
lgb]{zg g+= !^÷)&% sf]
a'Fbf g+= # df goFf
pka'Fbf g+= -&_ df
;+zf]wg
#= lgIf]k ;+sng tyf e'QmfgL ;DaGwL lgod tyf
k|lqmof agfO{ nfu" ug'{ kg]{
$= Ohfhtkqk|fKt a}+s tyf ljQLo ;+:yfx?n] s'g} klg
JolQm, kmd{, sDkgL / cGo ;+ul7t ;+3 ;+:yfx?af6
s'g} klg k|sf/sf] lgIf]k :jLsf/ ubf{ To:tf] lgIf]kdf
lbOg] c+lst Aofhb/ -Coupon Rate_ afx]s cGo s'g}
klg k|sf/sf] z'Ns÷sld;g jf o:t} cGo zLif{saf6
a}+s tyf ljQLo ;+:yfnfO{ Jooef/ kg]{ s'g} k|sf/sf]
cfly{s ;'ljwf lbg kfOg] 5}g .
#= lgIf]k ;+sng tyf e'QmfgL ;DaGwL lgod tyf
k|lqmof agfO{ nfu" ug'{ kg]{
&= Ohfhtkqk|fKt a}+s tyf ljQLo ;+:yfx?n] s'g} klg
JolQm, kmd{, sDkgL / cGo ;+ul7t ;+3 ;+:yfx?af6
s'g} klg k|sf/sf] lgIf]k :jLsf/ ubf{ To:tf] lgIf]kdf
lbOg] c+lst Aofhb/ -Coupon Rate_ afx]s cGo s'g} klg
k|sf/sf] z'Ns÷sld;g jf o:t} cGo zLif{saf6 a}+s
tyf ljQLo ;+:yfnfO{ Jooef/ kg]{ s'g} k|sf/sf] cfly{s
;'ljwf lbg kfOg] 5}g .
15= O=k|f=lgb]{zg g+= @÷)&%
sf] a'Fbf g+= !& sf] d"n
lzif{sdf ;+zf]wg
!&= ;+:yfks ;]o/ lwtf]aGws /fvL shf{ k|jfx ug{]
;DaGwdf
!&= a}+s tyf ljQLo ;+:yfsf] ;+:yfks ;]o/ lwtf]aGws
/fvL shf{ k|jfx ug{] ;DaGwdf
16= O=k|f=lgb]{zg=g+= @÷)&%
sf] a'Fbf g+= #) df
;+zf]wg
#)= ;x'lnotk"0f{ shf{ ;DaGwL Joj:yf
æJoj;flos s[lif tyf kz'kG5L shf{df k|bfg ul/g]
Aofh cg'bfg ;DaGwL sfo{ljlw, @)&#Æ -sfo{ljlw @=@
df ;+nUg_ adf]lhd k|jflxt shf{df g]kfn ;/sf/af6
k|bfg ul/Psf] cg'bfg /sd o; a}+sn] pknJw u/fpg]
5 . pQm sfo{ljlw adf]lhd shf{ k|jfx u/L g]kfn
#)= ;x'lnotk"0f{ shf{ ;DaGwL Joj:yf
æ;x'lnotk"0f{ shf{sf nflu Aofh cg'bfg;DaGwL
PsLs[t sfo{l{jlw, @)&%Æ -sfo{ljlw @=@ df ;+nUg_
adf]lhd k|jflxt shf{df g]kfn ;/sf/af6 k|bfg
ul/Psf] cg'bfg /sd o; a}+sn] pknJw u/fpg] 5 .
pQm sfo{ljlw adf]lhd shf{ k|jfx u/L g]kfn
;/sf/af6 kfpg' kg]{ Jofh cg'bfg jfktsf] /sdnfO{
5
qm=;+ lgb]{zg g+= ljBdfg Joj:yf ;+zf]lwt Joj:yf
;/sf/af6 kfpg' kg]{ Jofh cg'bfg jfktsf] /sdnfO{
kF'hLsf]if cg'kft u0fgf k|of]hgsf nflu ;/sf/
dflysf] bfjL ;/x z"Go k|ltzt hf]lvd ef/ k|bfg ug{
;lsg]5 .
kF'hLsf]if cg'kft u0fgf k|of]hgsf nflu ;/sf/ dflysf]
bfjL ;/x z"Go k|ltzt hf]lvd ef/ k|bfg ug{ ;lsg]5
.
17= O=k|f=lgb]{zg=g+= @÷)&%
sf] a'Fbf g+= #! vf/]h
#!= æe"sDk kLl8tx?sf] 3/ lgdf{0fsf nflu ;fd"lxs
nufgLdf lgAof{hL C0f pknAw u/fpg] sfo{ljlw,
@)&$Æ -sfo{ljlw @=# df ;+nUg_ adf]lhd a}+s tyf
ljQLo ;+:yfx?n] k|jfx u/]sf] shf{sf] Aofh, aLdf
Pjd\ ;'/If0f z'Ns a}+s jf ljQLo ;+:yfjf6 dfu eO{
cfPdf g]kfn ;/sf/n] v8f u/]sf] sf]if vr{ u/L o;
a}+ssf] a}+lsª sfof{non] pknJw u/fpg] 5 .
Vff/]h u/L qmd;+Vof ldnfg ug]{ .
18= O=k|f=lgb]{zg=g+= @÷)&%
sf] a'Fbf g+= #$ df
;+zf]wg
#$=lwtf] km's'jf ;DaGwdf
a}+s tyf ljQLo ;+:yfn] cfkm"n] u/]sf] shf{ nufgL
adf]lhd c;'n pk/ ug'{ kg]{ ;Dk"0f{ /sd c;'n eO{
;s]kl5 ;'/If0f jfkt /flvPsf] lwtf] tTsfn k'ms'jfsf]
nflu ;DalGwt sfof{nodf n]vL k7fpg' kg]{5 .
#$=lwtf] km's'jf ;DaGwdf
a}+s tyf ljQLo ;+:yfn] cfkm"n] u/]sf] shf{ nufgL
adf]lhd c;'n pk/ ug'{ kg]{ ;Dk"0f{ /sd c;'n eO{
;s]kl5 ;'/If0f jfkt /flvPsf] lwtf] % sfo{lbgleq
k'ms'jfsf] nflu ;DalGwt sfof{nodf n]vL k7fpg'
kg]{5 .
19= O=k|f=lgb]{zg g+= @÷)&%
sf] a'Fbf g+= #% sf]
pka'Fbf g+= ! sf] v08 -
u_ df ;+zf]wg
#%=rfn'k'FhL k|s[ltsf shf{ ;DaGwL Joj:yf
-u_ ?=! s/f]8 eGbf sd /sdsf] rfn' k'FhL k|s[ltsf shf{
k|jfx÷gjLs/0f ug'{ cl3 ;d]t cGo Ohfhtkqk|fKt
;+:yfaf6 To:tf] shf{ lnP glnPsf] olsg u/L To:tf] shf{
lnPsf] cj:yfdf shf{ lbg] cGo Ohfhtkqk|fKt ;+:yfaf6
clgjfo{ ?kn] No Objection Letter lnP/ dfq shf{
k|jfx÷gjLs/0f ug{'kg]{5 .
#%=rfn'k'FhL k|s[ltsf shf{ ;DaGwL Joj:yf
-u_ ?=! s/f]8eGbf sd /sdsf] rfn' k'FhL k|s[ltsf shf{
k|jfx÷gjLs/0f ug'{ cl3 ;d]t cGo Ohfhtkqk|fKt
;+:yfaf6 To:tf] shf{ lnP glnPsf] olsg u/L lnPsf] ePdf
shf{ lbg] ;+:yfaf6 clgjfo{ ?kn] No Objection Letter
lnP/ dfq shf{ k|jfx÷gjLs/0f ug{'kg]{5 . ;fy}, No
Objection Letter dfu ul/Psf] ;+:yfn] ;f];+u ;DalGwt
kq k|fKt u/]sf] % sfo{lbgleq pknAw u/fpg' kg]{5 . No
Objection Letter pknAw gu/fpg] ePdf ;f] ;DaGwL
hfgsf/L kq dfu ug]{ ;+:yfnfO{ pk/f]Qm ;dofjlwleq g}
pknAw u/fpg' kg]{ 5 .
20= O=k|f=lgb]{zg g+=@÷)&%
sf] a'Fbf g+= #% sf]
#%= rfn'k'FhL k|s[ltsf shf{ ;DaGwL Joj:yfM
;fy}, Stock sf] lwtf]df shf{ k|jfx ug{] ePdf C0f
#%= rfn'k'FhL k|s[ltsf shf{ ;DaGwL Joj:yfM
;fy}, Stock sf] lwtf]df shf{ k|jfx ug{] ePdf C0f k"0f{
6
qm=;+ lgb]{zg g+= ljBdfg Joj:yf ;+zf]lwt Joj:yf
pka'Fbf g+= -@_ sf] t];|f]
cg'R5]bdf ;+zfwg
k"0f{ ?kdf ;'/lIft x'g] u/L lwtf]df /x]]sf] ;DklQsf]
aLdf clgjfo{ ?kn] u/fpg' kg]{5 .
?kdf ;'/lIft x'g] u/L lwtf]df /x]]sf] ;DklQsf] aLdf
clgjfo{ ?kn] u/fpg' kg]{5 . t/, aLdf cfjZos
gePsf Stock x? h:t} Iron Rod, Steel Billets,
Bricks, Clinker cflbx?df cfunfuL, x'nb+uf, e"sDk
h:tf hf]lvdsf nflu aLdf ug{ clgjfo{ x'g] 5}g .
21= O=k|f=lgb]{zg g+= @÷)&% sf] a'Fbf g+= #( sf]
k|ltjAwfTds jfSof+zdf
;+zf]wg
#(= shf{sf] ;fFjf tyf Aofh c;'n ug]{ Joj:yf
t/, k'g/;+/rgf / k'g/tflnsLs/0f ul/Psf v/fa
shf{x?sf] ;Gbe{df pko'{Qm Joj:yf nfu' ug{ clgjfo{
x'g] 5}g .
#*= shf{sf] ;fFjf tyf Aofh c;'n ug]{ Joj:yf
t/, k'g/;+/rgf / k'g/tflnsLs/0f ul/Psf / lwtf]
las|L u/L c;'n ug'{kg]{ k|s[ofdf /x]sf v/fa shf{x?sf]
;Gbe{df pko'{Qm Joj:yf nfu' ug{ clgjfo{ x'g] 5}g .
22= O=k|f=lgb]{zg g+=#÷)&%
sf] a'Fbf g+= @ sf] v08 -
3_ df ;+zf]wg
@= hnljB't nufot gjLs/0fLo phf{ kl/of]hgf,
ljB't k|;f/0f nfOg (Transmission Line) /
s]jnsf/ lgdf{0f kl/of]hgfdf shf{ k|jfx ug]{
;DaGwdfM
-3_ Ohfhtkqk|fKt a}+s tyf ljQLo ;+:yfx?n] ljz'4
hnljB't kl/of]hgf, ljB't k|zf/0f nfOg
(Transmission Line) / s]jnsf/ lgdf{0f ;DaGwL
kl/of]hgfx?df nufgL ubf{ dfq ljBdfg @%
k|ltztsf] Psn u|fxs shf{ ;LdfnfO{ j[l4 u/L sf]ifdf
cfwfl/t shf{ tyf u}/ sf]ifdf cfwfl/t ;'ljwf ;d]t
u/L hDdf k|fylds k'FhLsf] a9Ldf %) k|ltzt;Dd
nufgL ;Ldf sfod ul/Psf] 5 . t/, hnljB't
kl/of]hgf, ljB't k|zf/0f nfOg (Transmission
Line) / s]jnsf/ lgdf{0f ;DaGwL kl/of]hgf ;DaGwL
u|fxsn] u}/ hnljB't÷ljB't k|zf/0f nfOg÷s]jnsf/
kl/of]hgfdf klg nufgL ug{ rfx]df %) k|ltztsf]
;Ldf ggf£g] u/L sf]ifdf cfwfl/t shf{ tyf u}/
sf]ifdf cfwfl/t ;'ljwf ;d]t u/L a9Ldf @%
k|ltzt;Dd dfq shf{÷;'ljwf k|jfx ug{ ;lsg] 5 .
-pbfx/0fsf] nflu, M sf]if tyf u}/ sf]ifdf cfwfl/t
@= hnljB't nufot gjLs/0fLo phf{
kl/of]hgf, ljB't k|;f/0f nfOg (Transmission
Line) / s]jnsf/ lgdf{0f kl/of]hgfdf shf{ k|jfx ug]{
;DaGwdfM
-3_ Ohfhtkqk|fKt a}+s tyf ljQLo ;+:yfx?n] ljz'4
hnljB't kl/of]hgf, ljB't k|zf/0f nfOg
(Transmission Line), gjLs/0fLo phf{ kl/of]hgf /
s]jnsf/ lgdf{0f ;DaGwL kl/of]hgfx?df nufgL ubf{
dfq ljBdfg @% k|ltztsf] Psn u|fxs shf{ ;LdfnfO{
j[l4 u/L sf]ifdf cfwfl/t shf{ tyf u}/ sf]ifdf cfwfl/t
;'ljwf ;d]t u/L hDdf k|fylds k'FhLsf] a9Ldf %)
k|ltzt;Dd nufgL ;Ldf sfod ul/Psf] 5 . t/,
hnljB't kl/of]hgf, ljB't k|zf/0f nfOg
(Transmission Line), gjLs/0fLo phf{ kl/of]hgf /
s]jnsf/ lgdf{0f ;DaGwL kl/of]hgf ;DaGwL u|fxsn] u}/
hnljB't÷ljB't k|zf/0f nfOg÷s]jnsf/ kl/of]hgfdf
klg nufgL ug{ rfx]df %) k|ltztsf] ;Ldf ggf£g] u/L
sf]ifdf cfwfl/t shf{ tyf u}/ sf]ifdf cfwfl/t ;'ljwf
;d]t u/L a9Ldf @% k|ltzt;Dd dfq shf{÷;'ljwf
k|jfx ug{ ;lsg] 5 .
7
qm=;+ lgb]{zg g+= ljBdfg Joj:yf ;+zf]lwt Joj:yf
;'ljwf ;d]t u/L hDdf k|fylds k'FhLsf] %) k|ltzt
ljz'4 hnljB't kl/of]hgf÷ljB't k|;f/0f
nfOg÷s]jnsf/ kl/of]hgfdf nufgL u/]df cGodf
nufgL ug{ kfOg] 5}g . sf]if tyf u}/ sf]ifdf cfwfl/t
;'ljwf ;d]t u/L hDdf k|fylds k'FhLsf] $) k|ltzt
dfq ljz'4 hnljB't kl/of]hgf÷ljB't k|zf/0f
nfOg÷s]jnsf/ kl/of]hgfdf nufgL u/]df cGodf !)
k|ltzt;Dd dfq nufgL ug{ kfOg] 5 . sf]if tyf u}/
sf]ifdf cfwfl/t ;'ljwf ;d]t u/L hDdf k|fylds
k'FhLsf] ! k|ltztb]lv @% k|ltzt dfq ljz'4 hnljB't
kl/of]hgf÷ljB't k|zf/0f nfOg÷s]jnsf/ kl/of]hgfdf
nufgL u/]df cGodf @% k|ltzt;Dd dfq nufgL ug{
kfOg] 5 . _
sy+sbflrt, u}/ hnljB't÷ljB't k|zf/0f nfOg÷
s]jnsf/ kl/of]hgfdf tf]lsPsf] ;Ldf gf3L shf{ k|jfx
u/]df ;Ldf gf3]sf] /sd a/fa/sf] shf{df ztk|ltzt
shf{ gf]S;fgL Joj:yf sfod ug'{ kg]{5 .
-pbfx/0fsf] nflu, M sf]if tyf u}/ sf]ifdf cfwfl/t
;'ljwf ;d]t u/L hDdf k|fylds k'FhLsf] %) k|ltzt
ljz'4 hnljB't kl/of]hgf÷ljB't k|;f/0f
nfOg÷s]jnsf/÷gjLs/0fLo phf{ kl/of]hgfdf nufgL
u/]df cGodf nufgL ug{ kfOg] 5}g . sf]if tyf u}/
sf]ifdf cfwfl/t ;'ljwf ;d]t u/L hDdf k|fylds
k'FhLsf] $) k|ltzt dfq ljz'4 hnljB't
kl/of]hgf÷ljB't k|zf/0f nfOg÷s]jnsf/÷ gjLs/0fLo
phf{ kl/of]hgfdf nufgL u/]df cGodf !) k|ltzt;Dd
dfq nufgL ug{ kfOg] 5 . sf]if tyf u}/ sf]ifdf
cfwfl/t ;'ljwf ;d]t u/L hDdf k|fylds k'FhLsf] !
k|ltztb]lv @% k|ltzt dfq ljz'4 hnljB't
kl/of]hgf÷ljB't k|zf/0f nfOg÷s]jnsf/÷gjLs/0fLo
phf{ kl/of]hgfdf nufgL u/]df cGodf @% k|ltzt;Dd
dfq nufgL ug{ kfOg] 5 . _
sy+sbflrt, u}/ hnljB't÷ljB't k|zf/0f nfOg÷
s]jnsf/÷gjLs/0fLo phf{ kl/of]hgfdf tf]lsPsf] ;Ldf
gf3L shf{ k|jfx u/]df ;Ldf gf3]sf] /sd a/fa/sf]
shf{df ztk|ltzt shf{ gf]S;fgL Joj:yf sfod ug'{
kg]{5 .
23= O=k|f=lgb]{zg g+=
#÷)&% sf] a'Fbf g+=# sf]
v08 -s_ sf] bf];|f]
cg'R5]bdf ;+zf]wg
#= shf{ ;fk6 tyf ;'ljwfsf] ;Ldfdf 5'6
;fy}, ;DalGwt a}+s tyf ljQLo ;+:yfaf6 cg'/f]w eO{
cfPdf o; a}+sn] hf/L u/]sf] lgb]{zgdf pNn]v ePsf]
Joj:yf ;d]t sfod /xg] u/L To:tf cGt/f{li6«o
ax'kIfLo ;+:yfn] hf/L ug]{ hdfgt (Guarantee) df
cfwfl/t eO{ a}+s tyf ljQLo ;+:yfx?n] k|bfg ug]{
shf{df k'FhLsf]ifsf] cg'kft u0fgf ug]{ k|of]hgsf nflu
z'Go hf]lvd ef/ (Zero Risk Weight) k|bfg ug{
;lsg] 5 .
#= shf{ ;fk6 tyf ;'ljwfsf] ;Ldfdf 5'6
;fy}, ;DalGwt a}+s tyf ljQLo ;+:yfaf6 cg'/f]w eO{
cfPdf o; a}+sn] hf/L u/]sf] lgb]{zgdf pNn]v ePsf]
Joj:yf ;d]t sfod /xg] u/L To:tf cGt/f{li6«o
ax'kIfLo ;+:yfn] hf/L ug]{ lgzt{M hdfgt
(Guarantee) df cfwfl/t eO{ a}+s tyf ljQLo
;+:yfx?n] k|bfg ug]{ shf{df k'FhLsf]ifsf] cg'kft u0fgf
ug]{ k|of]hgsf nflu z"Go hf]lvd ef/ (Zero Risk
Weight) k|bfg ug{ ;lsg] 5 .
24= O=k|f=lgb]{zg g+= !)= If]qut shf{ ;DaGwL Joj:yf !)= If]qut shf{ ;DaGwL Joj:yf
8
qm=;+ lgb]{zg g+= ljBdfg Joj:yf ;+zf]lwt Joj:yf
#÷)&% sf] a'Fbf g+= !)
sf] pka'Fbf g++ ^ sf]
v08 -s_ df ;+zf]wg
gu/kflnsf If]qleqsf] 3/÷ejgsf] ;'/If0fdf jf
3/÷ejg lgdf{0fsf nflu shf{ k|jfxubf{ 3/÷ejg
lgdf{0f ;DaGwdf ;DalGwt :yfgLo tx÷sfof{noaf6
hf/L dfkb08x? k"/f u/]÷gu/]sf] olsg u/L gS;fkf;,
cfjZostf cg';f/ cGo lgsfosf] :jLs[lt,
3/÷ejglgdf{0f ;DkGg k|df0fkq nufotsf
sfuhftx? lng] Joj:yfug{' kg]{5 .
gu/kflnsf If]qleqsf] 3/÷ejgsf] ;'/If0fdf jf
3/÷ejg lgdf{0fsf nflu shf{ k|jfxubf{ 3/÷ejg
lgdf{0f ;DaGwdf ;DalGwt :yfgLo tx÷sfof{noaf6
hf/L dfkb08x? k"/f u/]÷gu/]sf] olsg u/L gS;fkf;,
cfjZostf cg';f/ cGo lgsfosf] :jLs[lt, 3/÷ejg
lgdf{0f ;DkGg÷k|df0fLs/0f nufotsf sfuhftx? lng]
Joj:yf ug{' kg]{5 .
25= O=k|f=lgb]{zg g+= $÷)&%
sf] ljQLo ljj/0fsf]
cg';"rL $=@%=@ df gf]6
yk
xfn gePsf] . Note : Name of each shareholder alongwith their
holding percentage who holds 0.5% or more share
shall be disclosed in above format.
9
qm=;+ lgb]{zg g+= ljBdfg Joj:yf ;+zf]lwt Joj:yf
26= O=k|f=lgb]{zg g+= $÷)&%
sf] ljQLo ljj/0fsf]
cg';"rL $=#& df gofF
cg';"rL $=#&=! yk
xfn gePsf] .
27= O=k|f=lgb]{zg g+= $÷)&%
sf] Interim Financial
Reporting sf] 9fFrfdf
gofF Joj:yf yk
xfn gePsf] . Details about the distributable profit
Net Profit for the period end …… quarter XXXXX
1. Appropriations 1.1 Profit required to be appropriated to: XXXXX
a. General Reserve xxxx
b. Capital Redemption Reserve xxxx
c. Exchange Fluctuation Fund xxxx
d. CSR Fund xxxx
e. Employees Training Fund xxxx
f. Other xxxx
1.2 Profit required to be transfered to
Regulatory Reserve: XXXXX a. Transferred to Regulatory Reserve xxxxx
b. Transferred from Regulatory Reserve (xxxx)
10
qm=;+ lgb]{zg g+= ljBdfg Joj:yf ;+zf]lwt Joj:yf
Net Profit for the period end ……quarter
available for distribution XXXXX
28= O=k|f=lgb]{zg g+=
%÷)&% sf] a'Fbf g+= !@
sf] klxnf] cg'R5]bdf
;+zf]wg
!@= bjfa k/LIf0f ;DaGwL dfu{bz{g
o; a}+saf6 æsÆ ju{sf a}+s / /fli6«o:t/sf ævÆ /
æuÆ ju{sf ;+:yf :jo+n] tf]lsPsf] bjfa k/LIf0f
dfu{bz{g -Stress Testing Guidelines_ adf]lhd
lgoldt ?kdf bjfj k/LIf0f -Stress Testing
Guidelines_ ug]{ Joj:yf sfof{Gjog ug{'÷u/fpg'
kg]{5 . ;f] dfu{bz{g adf]lhd bjfj k/LIf0f ug]{
;Gbe{df lgDg adf]lhdsf] yk Joj:yf ul/Psf] 5 M–
!@= bjfa k/LIf0f ;DaGwL dfu{bz{g
o; a}+saf6 Ohfhtkqk|fKt a}+s tyf ljQLo ;+:yf
:jo+n] tf]lsPsf] bjfa k/LIf0f dfu{bz{g -Stress Testing
Guidelines_ adf]lhd lgoldt ?kdf bjfj k/LIf0f
-Stress Testing_ ug]{ Joj:yf sfof{Gjog ug{'÷u/fpg'
kg]{5 . ;f] dfu{bz{g adf]lhd bjfj k/LIf0f ug]{
;Gbe{df lgDgadf]lhdsf] yk Joj:yf ul/Psf] 5 M–
29= O=k|f=lgb]{zg g+=
^÷)&% sf] a'Fbf g+= @
sf] v08 -8_ df ;+zf]wg
@= ;~rfns÷;~rfns ;ldltsf] st{Jo /
pQ/bfloTj
cfˆgf] ;~rfns ;ldltsf] a}7sdf ;~rfns afx]ssf
;b:ox?nfO{ cfdGq0f u/L ;~rfns ;/x a}7s eQf
tyf cGo ;'ljwf k|bfg ug{ kfOg] 5}g . t/, a}+s tyf
ljQLo ;+:yfsf] ;~rfns ;ldltn] cfjZostf dxz';
u/]df vf;vf; ljifodf 7f]; /fo÷ k/fdz{sf nflu
ljQLo :jfy{ gePsf] lj1 JolQmnfO{ ;~rfns ;ldltsf]
a}7sdf cfdGq0f u/L cfjZos /fo÷k/fdz{ k|fKt u/L
;f] jfkt kfl/>lds k|bfg ug{ eg] of] Joj:yfn] afwf
k'¥ofPsf] dflgg] 5}g .
-k|i6Ls/0f M o; k|of]hgsf nflu ;~rfns afx]s
cGo kbflwsf/Ln] ;~rfns ;+of]hs jf ;b:o /xg]
;ldlt÷pk–;ldltdf a}7s eQf lng kfpg] 5}gg\ .
t/, ;lrjfno ;DaGwL sfd ug]{ cGo kbflwsf/LnfO{
;ldltn] tf]ls 5'6\6} eQf lbg ;lsg] 5 ._
@= ;~rfns÷;~rfns ;ldltsf] st{Jo /
pQ/bfloTj
;~rfns ;ldltsf] a}7sdf ;~rfns afx]ssf
;b:ox?nfO{ cfdGq0f u/L ;~rfns ;/x a}7s eQf
tyf cGo ;'ljwf k|bfg ug{ kfOg] 5}g . t/, a}+s tyf
ljQLo ;+:yfsf] ;~rfns ;ldltn] cfjZostf dxz';
u/]df vf; vf; ljifodf /fo÷k/fdz{sf nflu ljQLo
:jfy{ gePsf] ljifo lj1 JolQmnfO{ ;~rfns ;ldltsf]
a}7sdf cfdGq0f u/L cfjZos /fo÷k/fdz{ k|fKt u/L
;f] jfkt kfl/>lds k|bfg ug{, sDkgL ;lrj tyf
;lrjfnosf sd{rf/Lx?nfO{ ;~rfns ;ldltn]
tf]s]adf]lhdsf] vr{ k|bfg ug{ of] Joj:yfn] afwf
k'¥ofPsf] dflgg] 5}g .
30= O=k|f=lgb]{zg g+=
^÷)&% sf] a'Fbf g+= %
df pka'Fbf g+= -!&_ df
%=sd{rf/Lx?n] kfngf ug'{ kg]{ cfr/0f ;DaGwL
Joj:yf
%=sd{rf/Lx?n] kfngf ug'{ kg]{ cfr/0f ;DaGwL Joj:yf
Ohfhtkqk|fKt ;+:yfx?n] pTs[i6 sd{rf/L 5gf}6
11
qm=;+ lgb]{zg g+= ljBdfg Joj:yf ;+zf]lwt Joj:yf
yk xfn gePsf] (Talent-hunt) k|lqmofaf6 sd{rf/L egf{ ug'{ kg]{
cj:yfdf lgikIftf / kf/bzL{tf sfod x'g] u/L cnu}
sfo{ljlw th'{df u/L dfq egf{ ug{] Joj:yf ug'{kg]{ 5 .
31= O=k|f=lgb]{zg g+=
^÷)&% sf] a'Fbf g+= ^
sf] klxnf] cg'R5]bdf
;+zf]wg
^= sd{rf/L bIftf clea[l4 ;DaGwdf
Ohfhtkqk|fKt a}+s tyf ljQLo ;+:yfn] cfkm\gf
sd{rf/Lx?sf]] bIftf clej[l4sf nflu k|To]s jif{ s'n
sd{rf/L vr{sf] Go"gtd # k|ltzt /sd tflnd tyf
j[lQ ljsf;df vr{ ug'{ kg]{5 . o:tf] vr{ ubf{
lgDgfg';f/sf zt{x? kfngf ug'{ kg]{5 .
sd{rf/L bIftf clea[l4 ;DaGwdf
Ohfhtkqk|fKt a}+s tyf ljQLo ;+:yfn] cfˆgf
sd{rf/Lx?sf]] bIftf clej[l4sf nflu k|To]s jif{ ut
cfly{s jif{sf] s'n tnaeQf vr{sf] Go"gtd # k|ltzt
/sd tflnd tyf j[lQ ljsf;df vr{ ug'{ kg]{5 . o:tf]
vr{ ubf{ lgDgfg';f/sf zt{x? kfngf ug'{ kg]{5 .
32= O=k|f=lgb]{zg g+=
^÷)&% sf] a'Fbf g+= ^
sf] v08 -s_ df
;+zf]wg
%= sd{rf/Lx?n] kfngf ug'{ kg]{ cfr/0f ;DaGwL
Joj:yf
s_ tflnd tyf j[lt ljsf; vr{sf] u0fgf ubf{ ut
jif{sf] s'n sd{rf/L vr{nfO{ cfwf/ lng' kg]{5 .
%=sd{rf/Lx?n] kfngf ug'{ kg]{ cfr/0f ;DaGwL Joj:yf
Vff/]h ul/Psf] .
33= O=k|f=lgb]{zg g+=
^÷)&% sf] a'Fbf g+= &
sf] pka'Fbf g+= ! sf]
v08 -5_ df ;+zf]wg
&= cfGtl/s ;ldlt÷pk–;ldlt ;DaGwL Joj:yf
-5_ ;ldltsf ;b:ox?sf] a}7s eQf ;~rfns
;ldltsf ;b:on] kfpg] a}7s eQf eGbf a9L
gx'g] u/L tf]Sg' kg]{] 5 .
&=cfGtl/s ;ldlt÷pk–;ldlt ;DaGwL Joj:yf
-5_ ;~rfnssf] ;+of]hsTjdf ul7t ;ldlt÷pk–
;ldltsf ;b:ox?sf] a}7s eQf ;~rfns ;ldlt ;/x
/ cGo kbflwsf/Lx?sf] eQf ;~rfnssf] eGbf sd x'g]
u/L ;~rfns ;ldltn] tf]s]adf]lhd x'g]5 .
34= O=k|f=lgb]{zg g+=
^÷)&% sf] a'Fbf g+= &
df pka'Fbf g+= -%_ yk
ul/Psf] ;+zf]wg
&= cfGtl/s ;ldlt÷pk–;ldlt ;DaGwL Joj:yf
xfn gePsf] .
-%_ ;DklQ z'4Ls/0f lgjf/0f ;ldlt ;DaGwL Joj:yf
o; a}+ssf] lgb]{zg adf]lhd a}+s tyf ljQLo ;+:yfn]
u}/ sfo{sf/L ;~rfnssf] ;+of]hsTjdf cg'kfngf -
Compliance_ ljefusf ljefuLo k|d'v tyf hf]lvd
Joj:yfkg laefusf ljefuLo k|d'v ;b:o / ;DklQ
z'4Ls/0f -dlg nfpG8l/Ë_ lgjf/0f P]g, @)^$, P]gsf]
bkmf & t adf]lhd lgo'Qm ePsf] sfof{Gjog clwsf/L
;b:o ;lrj /xg] u/L ;DklQ z'4Ls/0f lgjf/0f
;DaGwL ;ldlt u7g ug'{ kg]{5 . ;ldltdf cfjZostf
cg';f/ Ps hgf ;Dd ljz]if1÷;DjlGwt JolQm
12
qm=;+ lgb]{zg g+= ljBdfg Joj:yf ;+zf]lwt Joj:yf
cfdGq0f ug{ ;lsg] 5 . ;ldltsf] a}7s sDtLdf klg
tLg dlxgfdf Psk6s a:g' kg]{5 .
;ldltsf] sfd st{Jo / pQ/bfloTj
-s_ ;DklQ z'4Ls/0f -dlg nfpG8l/Ë_ lgjf/0f P]g,
@)^$, ;DklQ z'4Ls/0f -dgL nfpG8l/Ë_ lgjf/0f
lgodfjnL, @)&#, o; a}+saf6 hf/L lgb]{Zfg -
O=k|f=lgb]{zg g+= !(_ adf]lhd eP÷u/]sf sfd
sf/jfxLsf] ;dLIff u/L k|ltj]bg ;~rfns ;ldltdf
k]z ug]{ .
-v_ ;DklQ z'4Ls/0f -dlg nfpG8l/Ë_ lgjf/0f P]g,
@)^$, ;DklQ z'4Ls/0f -dgL nfpG8l/Ë_ lgjf/0f
lgodfjnL, @)&#, o; a}+saf6 hf/L lgb]{Zfg tyf
Financial Action Task Force (FATF) åf/f
hf/L ePsf] l;kmfl/; (Recommendation)
adf]lhd a}+sn] th'{df tyf sfo{fGjog u/]sf]
cfGtl/s gLlt, sfo{ljlw tyf k|s[ofut kIfx?sf]
kof{Kttf ;DaGwdf 5nkmn u/L cfjZos gLltut
Joj:yf / ;f] sf] sfof{Gjog ug]{ .
-u_ ;DklQ z'4Ls/0f tyf cft+sjfbL lqmofsnfkdf
ljQLo nufgL klxrfg / ;f]sf] lgjf/0fsf nflu
ckgfO{Psf / ckgfpg'kg]{ k|s[ofut kIf tyf ;f]
sfo{df k|of]u x'g] ;"rgf k|ljlw k|0ffnLsf] kof{Kttf
;DaGwL 5nkmn u/L cfjZos ;'wf/sf] nflu
;~rfns ;ldltnfO{ ;'emfj lbg] .
-3_ u|fxs klxrfg ;DaGwL Joj:yfsf] laZn]if0f u/L
pRr kb:y JolQm tyf clGtd lxtflwsf/L nufot
hf]lvd auL{s/0f cg';f/ u|fxs klxrfg / u|fxs
:jLsf/ gLlt (Customer Acceptance Policy)
th'{df tyf k|efjsf/L ?kdf sfof{Gjog ug]{
u/fpg] .
13
qm=;+ lgb]{zg g+= ljBdfg Joj:yf ;+zf]lwt Joj:yf
-ª_ ;DklQ z'4Ls/0f tyf cft+sjfbL lqmofsnfkdf
ljQLo nufgL ;DaGwL P]g, lgodfjnL, o;
a}+såf/f hf/L lgb]{Zfg, Pjd\ a}+ssf] cfGtl/s gLlt
lgodsf] kl/kfngf tyf sfof{Gjog cj:yfsf]
af/]df q}dfl;s k|ltj]bg ;~rfns ;ldltdf k]z
ug]{ .
-r_ Joj:yfkgaf6 b]xfo adf]lhdsf] k|ltj]bg÷ljj/0f
lnO{ 5nkmn ug]{ / cfjZostf cg';f/ ;~rfns
;ldltnfO{ ;'emfj lbg] .
-!_ AML/CFT sf] hf]lvd Joj:yfkg ;DjGwL
k|ltj]bg .
-@_ u|fxs klxrfgsf] cBfjlws l:ylt, u|fxs
klxrfg k4lt (CDD) sf] ljj/0f, PEPs sf]
ljj/0f / a[xt u|fxs klxrfg k4lt (ECDD)
sf] ljj/0f tyf o;nfO{ l56f], 5l/tf] / ;'rgf
k|ljlwsf] k|of]u dfkm{t yk k|efjsf/L jgfpg
eljiodf cjnDag ug'{kg]{ gLltut, k|s[ofut
/ ;+:yfut ;'wf/sf sfo{x?sf] ljj/0f .
-#_ cfGtl/s n]vfk/LIf0f, afx|o n]vfk/LIf0f / o;
a}+ssf] lg/LIf0f k|ltj]bgdf plNnlvt ;DklQ
z'4Ls/0f tyf cft+sjfbL lqmofsnfkdf ljQLo
nufgL ;DaGwL s}lkmotx? pk/ ;dLIff tyf
;f] ;DaGwdf gLltut Pjd\ k|lqmofut ;'wf/
ug{' kg]{ kIfx?sf] lj:t[t ljj/0f .
-5_ a}+s÷ljQLo ;+:yfn] gofF ;]jf÷;'lawf z'?jft ubf{,
k|ljlw (IT System) vl/b ubf{, jfo/ 6«fG;km/
ubf{, O{–a}lsË÷df]afO{n a}lsË -QR Code ;d]t_,
df]afOn jfn]6 dfkm{t /sd /sdfGt/ ubf{ / cGo
cgnfO{g÷ckmnfOg dfkm{t x'g] sf/f]af/df lglxt
;DklQ z'4Ls/0f tyf cft+sjfbL lqmofsnfkdf
ljQLo nufgL ;DaGwL hf]lvdsf] ljZn]if0f / ;f]sf]
14
qm=;+ lgb]{zg g+= ljBdfg Joj:yf ;+zf]lwt Joj:yf
Joj:yfkgsf] nflu gLltut Pj+ k|lqmofut kIfdf
ug'{kg]{ cfjZos ;'wf/x?sf] ;DaGwdf lj:t[t
ljj/0f .
-h_ /fli6«o Pj+ cGt/{fli6«o If]qdf ;DklQ z'4Ls/0f tyf
cft+sjfbL lqmofsnfkdf ljQLo nufgL ;DaGwL
ePsf] ljifox?÷36gfx? / To;af6 a}+s÷ljQLo
;+:yfnfO{ kg{ ;Sg] c;/x?sf] ljZn]if0f u/L
hf]lvd Joj:yfkg ug{ s] s:tf] gLltut Joj:yf
ug'{kg]{ xf] ;f] ;DaGwdf cfjZos ;'emfj ;~rfns
;ldlt ;dIf k]z ug]{ .
-em_ sfof{Gjog clwsf/L, ;+:yfsf] r'Qmf k'FhLsf] b'O{
k|ltzt jf ;f] eGbf j9L ;]o/ :jfldTj ePsf
;]o/wgL, ;~rfns ;ldltsf ;b:ox?, pRr
Jo:yfkgnfO{ / AML/CFT sf] sfo{df k|ToIf tyf
lgoldt ?kdf ;+nUg x'g] sd{rf/Lx?nfO{
AML/CFT ;DaGwL laifodf pko'Qm 1fg
x:tfGt/0f sfo{qmdsf] Joj:yfkg ug]{ .
-`_ ;DklQ z'4Ls/0f tyf cft+sjfbL lqmofsnfkdf
ljQLo nufgL ;DaGwL cfGtl/s gLltut Joj:yf
/ dfu{bz{gsf] lgoldt k'g/fjnf]sg u/L ;f]sf]
kof{Kttfsf ;DaGwdf ;~rfns ;ldltdf ;'emfj
k]z ug]{ .
-6_ AML/CFT k|0ffnLn] k|efjsf/L ?kdf sfd
u/]÷gu/]sf]], hf]lvdsf] plrt tj/n] Joj:yfkg
u/]÷gu/]sf], c:jefljs ultljlwsf] kof{Kt
cg'udg x'g] Joj:yf u/]÷gu/]sf] / cfjZos
k|ltj]bgx? ;DalGwt lgsfodf k]z x'g]
u/]÷gu/]sf] olsg u/L ;f] ljifo ;+rfns
;ldltdf ;d]t 5nkmn x'g] Joj:yf ug]{ .
-7_ ;DklQ z'4Ls/0f tyf cft+sjfbL lqmofsnfkdf
15
qm=;+ lgb]{zg g+= ljBdfg Joj:yf ;+zf]lwt Joj:yf
ljQLo nufgL lgoGq0f ;DaGwdf ljQLo hfgsf/L
OsfO{ / o; a}+sn] tf]s] adf]lhdsf] dfWodjf6
lgoldt ?kdf ;DalGwt lgsfox?df k]z ug'{kg]{
ljj/0f tyf k|ltj]bgx? tf]lsP adf]lhd k]z
u/]÷gu/]sf] ;DaGwdf ;ldltn] ;DklQ z'4Ls/0f -
dlg nfpG8l/Ë_ lgjf/0f P]g, @)^$ sf] bkmf
$$s df pNn]lvt k|fjwfg k|lts'n gx'g] u/L
5nkmn ug]{ .
35= O=k|f=lgb]{zg g+=
^÷)&% sf] a'Fbf g+= *
sf] zLif{s ldnfg
*= cfˆgf ;~rfns, ;+:yfks, k|d'v sfo{sf/L
clws[t, ;]o/wgL, lwtf] d"NofÍgstf{, n]vfk/LIfs,
sfg'gL ;Nnfxsf/, sd{rf/L Pjd\ lgh;Fu ;DalGwt
kmd{nfO{ shf{ k|bfg ug{ aGb]h ;DaGwL Joj:yf M
*= shf{ k|bfg ug{ aGb]h ;DaGwL Joj:yf M
36= O=k|f=lgb]{zg g+=
^÷)&% sf] a'Fbf g+= *
sf] v08 -v_ sf]
pkv08 -!_ / -@_ tyf
v08 -u_ / -ª_ df
;+zf]wg
*= shf{ k|bfg ug{ aGb]h ;DaGwL Joj:yf M
-v_ b]xfosf cj:yfdf Ohfhtkqk|fKt ;+:yfsf
;+:yfks, ;]o/wgL, n]vfk/LIfs, sfg'gL ;Nnfxsf/
tyf sd{rf/LnfO{ shf{ tyf u}/sf]ifdf cfwfl/t
;'ljwf k|bfg ug{ aGb]h ul/Psf] 5 M–
-!_ ;+:yfks jf ;+:yfks ;d"xsf ;]o/wgL jf
r'Qmf k'FhLsf] s'n ;]o/sf] Ps k|ltzteGbf a9L
;]o/ lnPsf ;]o/wgL tyf lghsf kl/jf/sf
;b:o / sd{rf/LnfO{,
-@_ ;+:yfks, Ps k|ltzt jf ;f]eGbf a9L ;]o/
lnPsf JolQm÷kmd{÷sDkgL÷;+:yf, sfo{sf/L
k|d'v, axfnjfnf n]vfk/LIfs, sfg'gL
;Nnfxsf/ tyf sd{rf/L jf To:tf JolQmsf]
kl/jf/sf ;b:o jf ;~rfns dgf]lgt jf
lgo'lQm ug]{ clwsf/ kfPsf kmd{, sDkgL jf
;+:yfnfO{ ,
t/, ljutdf s'n r'Qmf k'FhLsf] Ps k|ltzt
eGbf sd ;]o/ wf/0f u/]sf Ohfhtkqk|fKt
*= shf{ k|bfg ug{ aGb]h ;DaGwL Joj:yf M
-v_ b]xfosf cj:yfdf Ohfhtkqk|fKt ;+:yfsf
;+:yfks ;d"x, ;]o/wgL, n]vfk/LIfs, sfg'gL
;Nnfxsf/ tyf sd{rf/LnfO{ shf{ tyf u}/sf]ifdf
cfwfl/t ;'ljwf k|bfg ug{ aGb]h ul/Psf] 5 M–
-!_ ;+:yfks ;d"xsf ;]o/wgL jf r'Qmf k'FhLsf] s'n
;]o/sf] Ps k|ltzteGbf a9L ;]o/ lnPsf
;]o/wgL tyf lghsf kl/jf/sf ;b:o /
sd{rf/LnfO{,
-@_ ;+:yfks ;d"xsf ;]o/wgL, Ps k|ltzt jf
;f]eGbf a9L ;]o/ lnPsf
JolQm÷kmd{÷sDkgL÷;+:yf, sfo{sf/L k|d'v,
axfnjfnf n]vfk/LIfs, sfg'gL ;Nnfxsf/ tyf
sd{rf/L jf To:tf JolQmsf] kl/jf/sf ;b:o jf
To:tf JolQmsf ljQLo :jfy{ ePsf kmd{,
sDkgL, ;+:yf jf ;~rfns dgf]lgt jf lgo'lQm
ug]{ clwsf/ kfPsf kmd{, sDkgL jf ;+:yfnfO{ ,
t/, ljutdf s'n r'Qmf k'FhLsf] Ps k|ltzt
16
qm=;+ lgb]{zg g+= ljBdfg Joj:yf ;+zf]lwt Joj:yf
;+:yfsf ;+:yfks jf ;+:yfks ;d"xsf
;]o/wgLnfO{ k|bfg ePsf] shf{ tyf u}/ sf]ifdf
cfwfl/t ;'ljwfsf] lj:t[t ljj/0f jfli{fs ljQLo
ljj/0fdf v'nfpg' kg]{5 .
-u_ Ohfhtkqk|fKt ;+:yfsf ;+:yfks, ;~rfns,
sfo{sf/L k|d'v / lghsf] kl/jf/sf ;b:ox?sf]
:jfldTjdf /x]sf] ;DklQsf] lwtf]df ;f]xL ;+:yfaf6
lwtf] /fvL shf{ k|jfx ug{ kfOg] 5}g .
t/, Ohfhtkqk|fKt ;+:yfsf] cfˆg} d'2lt lgIf]k
/l;b / zt k|ltzt gub dflh{gdf hdfgt hf/L
ug{ tyf g]kfn ;/sf/ tyf g]kfn /fi6« a}+s
C0fkqsf] lwtf]df shf{ k|bfg ug{ o; v08df
ePsf] s'g} klg Joj:yfn] afwf k'¥ofpg] 5}g .
-ª_ Ohfhtkqk|fKt ;+:yfn] cfˆgf] ;+:yfsf]
;+:yfks÷;~rfns÷sd{rf/L tyf lghsf] Psf3/
kl/jf/sf] ;b:osf] r]s vl/b ug{ kfOg] 5}g .
eGbf sd ;]o/ wf/0f u/]sf Ohfhtkqk|fKt
;+:yfsf ;+:yfks ;d"xsf ;]o/wgLnfO{ k|bfg
ePsf] shf{ tyf u}/ sf]ifdf cfwfl/t ;'ljwfsf]
lj:t[t ljj/0f jfli{fs ljQLo ljj/0fdf v'nfpg'
kg]{5 .
-u_ Ohfhtkqk|fKt ;+:yfsf ;+:yfks ;d"xsf ;]o/wgL,
;~rfns, sfo{sf/L k|d'v / lghsf] kl/jf/sf
;b:ox?sf] :jfldTjdf /x]sf] ;DklQsf] lwtf]df ;f]xL
;+:yfaf6 lwtf] /fvL shf{ k|jfx ug{ kfOg] 5}g .
t/, zt k|ltzt gub dflh{gdf hdfgt hf/L ug{,
Ohfhtkqk|fKt ;+:yfsf] cfˆg} d'2lt /l;b tyf
g]kfn ;/sf/ / g]kfn /fi6« a}+s C0fkqsf] lwtf]df
shf{ k|bfg ug{ o; v08df ePsf] s'g} klg
Joj:yfn] afwf k'¥ofpg] 5}g .
-ª_ Ohfhtkqk|fKt ;+:yfn] cfˆgf] ;+:yfsf] ;+:yfks
;d"xsf ;]o/wgL÷;~rfns÷sd{rf/L tyf lghsf]
Psf3/ kl/jf/sf] ;b:osf] r]s vl/b ug{ kfOg] 5}g
.
37= O=k|f=lgb]{zg g+=
^÷)&% sf] a'Fbf g+= !)
/ !& nfO{ PsLs[t u/L
a'Fbf g+= !& vf/]h
!)= :jM3f]if0ff ;DaGwL Joj:yf
-s_ Ohfhtkqk|fKt ;+:yfsf ;~rfnsx?n]
cfˆgf] af/]df o;};fy ;+nUg :j3f]if0ff -Self-
Declaration_ u/]÷u/fPsf] ljj/0f -cg';"rL ^=#_
;lxtsf] hfgsf/L tyf ;DalGwt ;+:yfn] cfˆgf
;~rfnsx?sf] ;DaGwdf tof/ u/]sf] btf{÷nut
lstfasf] 9fFrf -cg';"rL ^=$_ ;lxtsf] ljj/0f
o; a}+sdf k]z ug'{ kg]{5 .
-v_ a}+s tyf ljQLo ;+:yfn] cfˆgf] ;+:yfsf]
;~rfnsn] cfkm" jf cfˆgf] kl/jf/sf
;b:o tyf cfˆgf] jf kl/jf/sf]
:jfldTjdf /x]sf] kmd{÷sDkgLsf] gfddf
!) :jM3f]if0ff tyf ;DklQ ljj/0f ;DaGwL Joj:yf
-s_ Ohfhtkqk|fKt ;+:yfsf ;~rfnsx?n] cfˆgf]
af/]df o;};fy ;+nUg :j3f]if0ff -Self-
Declaration_ u/]÷u/fPsf] ljj/0f -cg';"rL
^=!_ ;lxtsf] hfgsf/L tyf ;DalGwt ;+:yfn]
cfˆgf ;~rfnsx?sf] ;DaGwdf tof/ u/]sf]
btf{÷nut lstfasf] 9fFrf -cg';"rL ^=@_
;lxtsf] ljj/0f o; a}+sdf k]z ug'{ kg]{5 .
-v_ a}+s tyf ljQLo ;+:yfn] cfˆgf] ;+:yfsf]
;~rfnsn] cfkm" jf cfˆgf] kl/jf/sf ;b:o
tyf cfˆgf] jf kl/jf/sf] :jfldTjdf /x]sf]
kmd{÷sDkgLsf] gfddf ljleGg a}+s tyf ljQLo
17
qm=;+ lgb]{zg g+= ljBdfg Joj:yf ;+zf]lwt Joj:yf
ljleGg a}+s tyf ljQLo ;+:yfx?af6
lnPsf] shf{ ;DaGwL :j3f]if0ff ljj/0f
jflif{s ?kdf cfly{s jif{ ;dfKt ePsf]
ldltn] #% lbgleq ;~rfns ;ldltdf
k]z u/L cBfjlws u/L /fVg' kg]{5 .
!&= ;DklQ ljj/0f tyf :jM3f]if0ff ;DaGwL Joj:yf
;+:yfn] cfˆgf ;~rfns, k|d'v sfo{sf/L clws[t
tyf clws[t :t/sf sd{rf/Lx? / lghsf
kl/jf/sf] gfddf /x]sf] rncrn ;DklQ / a}+s
tyf ljQLo ;+:yfaf6 lnPsf] C0fsf] ljj/0f x/]s
cfly{s jif{ ;dfKt ePsf] #% lbgleq cBfjlws
u/L /fVg'kg]{5 . ;fy}, k|d'v sfo{sf/L clws[t tyf
clws[t :t/sf sd{rf/Lx? lgo'lQm ubf{ o;
lgb]{zgsf] cg';"rL g+= ^=% adf]lhdsf] :jM3f]if0ff
u/L u/fO{ clen]v /fVg' kg]{5 .
;+:yfx?af6 lnPsf] shf{ ;DaGwL :j3f]if0ff
ljj/0f jflif{s ?kdf cfly{s jif{ ;dfKt ePsf]
ldltn] #% lbgleq ;~rfns ;ldltdf k]z u/L
cBfjlws u/L /fVg' kg]{5 .
-u_ ;+:yfn] k|d'v sfo{sf/L clws[t tyf clws[t
:t/sf sd{rf/Lx? lgo'lQm ubf{ o; lgb]{zgsf]
cg';"rL g+= ^=# adf]lhdsf] :jM3f]if0ff u/L u/fO{
clen]v /fVg' kg]{5 .
-3_ ;+:yfn] cfˆgf ;~rfns, k|d'v sfo{sf/L
clws[t tyf clws[t :t/sf sd{rf/Lx? /
lghsf kl/jf/sf] gfddf /x]sf] rncrn ;DklQ
/ a}+s tyf ljQLo ;+:yfaf6 lnPsf] C0fsf]
ljj/0f x/]s cfly{s jif{ ;dfKt ePsf] #%
lbgleq cBfjlws u/L /fVg'kg]{5 .
38= O=k|f=lgb]{zg g+=
^÷)&% sf] a'Fbf g+= @)
yk u/L xfnsf] a'Fbf g+=
@) sf] qmd ;+Vof
ldnfg
xfn gePsf] .
@)= Ohfhtkqk|fKt ;+:yfsf k|d'v sfo{sf/L clws[t tyf
;~rfns aLr s'g} lsl;dsf] sf/f]af/ ePdf pQm
sf/f]af/sf] lj:t[t ljj/0f ;lxtsf] hfgsf/L dfl;s ?kdf
dlxgf ;dfKt ePsf] !% lbg leq ;DalGwt ;'kl/j]If0f
ljefunfO{ hfgsf/L u/fpg' kg]{5 .
39= O{=k|f=lgb]{zg g+= *÷)&%
sf] a'Fbf g+= # sf] pka'Fbf
g+= ! sf] bf];|f]
cg'R5]bdf ;+zf]wg
#= ;+ul7t ;+:yfsf] ;]o/, l8j]~r/ tyf cGo
nufgL ;DaGwL Joj:yf
lwtf]kq ljlgdo ahf/df ;"rLs[t eO{g;s]sf]
hnljB't nufot gjLs/0fLo phf{ kl/of]hgf, ljB't
k|;f/0f nfOg / s]jnsf/ lgdf{0f kl/of]hgf ;~rfng
ug{ :yflkt klAns lnld6]8 sDkgLsf] ;]o/ jf
l8j]~r/df nufgL u/]df To:tf] nufgL u/]sf] ldltn] #
jif{leq / cGo ;+ul7t ;+:yfsf] ;]o/ tyf l8j]~r/df
#= ;+ul7t ;+:yfsf] ;]o/, l8j]~r/ tyf cGo nufgL
;DaGwL Joj:yf
lwtf]kq ljlgdo ahf/df ;"rLs[t eO{g;s]sf] ;+ul7t
;+:yfsf] ;]o/ tyf l8j]~r/df nufgL] u/]df nufgL
u/]sf] ldltn] tLg jif{leq pQm ;]o/ tyf l8a]~r/
;"rLs[t gePsf] v08df nufgL eP a/fa/sf] /sd
;l~rt d'gfkmf vr{ u/L nufgL ;dfof]hg sf]ifdf
hDdf ug'{ kg]{5 . To:tf] sf]ifdf /x]sf] /sd pQm ;]o/
18
qm=;+ lgb]{zg g+= ljBdfg Joj:yf ;+zf]lwt Joj:yf
nufgL] u/]df nufgL u/]sf] ldltn] b'O{ jif{leq pQm
;]o/ tyf l8a]~r/ ;"rLs[t gePsf] v08df nufgL
eP a/fa/sf] /sd ;l~rt d'gfkmf vr{ u/L nufgL
;dfof]hg sf]ifdf hDdf ug'{ kg]{5 . To:tf] sf]ifdf
/x]sf] /sd pQm ;]o/ tyf l8a]~r/ ;"rLs[t geP;Dd
pkof]u ug{ kfOg] 5}g .
tyf l8a]~r/ ;"rLs[t geP;Dd pkof]u ug{ kfOg] 5}g
.
40= O{=k|f=lgb]{zg g+=
!)÷)&% sf] a'Fbf g+= !!
df ;+zf]wg
!!= Ohfhtkqk|fKt ;+:yfsf] ;+:yfks jf ;+:yfks
;d""xsf] ;]o/df ;xsf/L ;++:yfx?af6 nufgL ug]{]{
;DaGwdf
o; a}+saf6 Ohfhtkq k|fKt u/]sf jf Ohfhtkqsf]
nflu gofF lgj]bg k]z x'g] a}+s tyf ljQLo ;+:yfsf]
;+:yfks jf ;+:yfks ;d"xsf] ;]o/df k|rlnt sfg'g
adf]lhd ;+:yflkt ;xsf/L ;+:yfx?n] ;+:yfut ?kdf
nufgL ug{ kfpg] 5}gg\ .
!!= Ohfhtkqk|fKt ;+:yfsf] ;]o/df ;xsf/L
;++:yfx?af6 nufgL ug{ gkfpg] ;DaGwdf
o; a}+saf6 Ohfhtkqk|fKt u/]sf jf Ohfhtkqsf]
nflu gofF lgj]bg k]z x'g] a}+s tyf ljQLo ;+:yfsf]
;]o/df k|rlnt sfg'g adf]lhd ;+:yflkt ;xsf/L
;+:yfx?n] nufgL ug{ kfpg] 5}gg\ .
41= O=k|f=lgb]{zg g+=
!@÷)&% sf] a'Fbf g+= #
sf] pka'Fbf g+= -!_ df
;+zf]wg
#= clgjfo{ ?kdf shf{ ;"rgf lng' kg]{
!_ shf{ k|jfx ug{, k'/fgf] shf{ gjLs/0f ug{,
k'g/;+/rgf jf k'g/tflnsLs/0f ug{' cufj}
C0fL÷u|fxssf] af/]df s]Gb|af6 clgjfo{ ?kdf shf{
;"rgf lng' kg]{5 . o;/L shf{ ;"rgf dfu ePdf
s]Gb|n] a9Ldf # -ltg_ sfo{ lbgleqdf To:tf] ;"rgf
lbg' kg]{5 .
t/ ;'grfFbL, d'2lt /l;b / ;/sf/L ;'/If0fkq lwtf]
shf{df eg] of] Joj:yf nfu" x'g] 5}g .
#= clgjfo{ ?kdf shf{ ;"rgf lng' kg]{
!_ shf{ k|jfx ug{, k'/fgf] shf{ gjLs/0f ug{,
k'g/;+/rgf jf k'g/tflnsLs/0f ug{' cufj}
C0fL÷u|fxssf] af/]df s]Gb|af6 clgjfo{ ?kdf shf{
;"rgf lng' kg]{5 . o;/L shf{ ;"rgf dfu ePdf s]Gb|n]
a9Ldf # -ltg_ sfo{ lbgleqdf To:tf] ;"rgf lbg' kg]{5
.
t/ ;'grfFbL, d'2lt /l;b / ;/sf/L ;'/If0fkq lwtf]
shf{ / ?= ! nfv;Ddsf] Credit Card shf{df eg]
o:tf] ;"rgf lng clgjfo{ x'g] 5}g .
42= O{=k|f=lgb]{zg g+=
!@÷)&% sf] a'Fbf g+= ^
sf] k|ltaGwfTds
Joj:yfdf v08 -3_ yk
^=sfnf];"rLdf ;dfj]z ePsf C0fLnfO{ Ohfhtkqk|fKt
;+:yfaf6 shf{ k|bfg ug{df aGb]h
xfn gePsf] .
^= sfnf];"rLdf ;dfj]z ePsf C0fLnfO{
Ohfhtkqk|fKt ;+:yfaf6 shf{ k|bfg ug{df aGb]h
-3_ shf{sf] ;fFjf / Aofh lgoldt ePsf] cj:yfdf ;f]
19
qm=;+ lgb]{zg g+= ljBdfg Joj:yf ;+zf]lwt Joj:yf
shf{ gjLs/0f ug{ afwf k'u]sf] dflgg] 5}g .
43= O{=k|f=lgb]{zg g+=
!@÷)&% sf] a'Fbf g+=
!)=! df v08 -h_ yk
!)=! sfnf];"rLdf ;dfj]z x'g] cj:yfx?
xfn gePsf]
!)=! sfnf];"rLdf ;dfj]z x'g] cj:yfx?
-h_ u}/sf]ifdf cfwfl/t ;'ljwf jf qm]l86 sf8{af6 l;h{gf
ePsf] shf{ (Forced Loan) sf] xsdf shf{ zLif{sdf
n]vf+sg ePsf] () lbg gf3]df .
44= O{=k|f=lgb]{zg g+=
!@÷)&% sf] a'Fbf g+=
!)=@ sf] v08 -ª_ sf]
klxnf] cg'R5]bdf
;+zf]wg
-ª_ vftfdf df}Hbft ckof{Kt ePdf
s'g} JolQm kmd{, sDkgL jf ;ul7t ;+:yfn] cfˆgf]
vftfdf kof{Kt df}Hbft geO{ hlt;'s} /sdsf] r]s
hf/L u/]df a'Fbf g+= !)=! df h'g;'s} s'/f n]lvPsf]
ePtfklg b]xfo jdf]hd x'g]5 M–
-ª_ vftfdf df}Hbft ckof{Kt ePdf jf unt x:tfIf/
u/]df
s'g} JolQm kmd{, sDkgL jf ;ul7t ;+:yfn] cfˆgf]
vftfdf kof{Kt df}Hbft geO{ hlt;'s} /sdsf] r]s hf/L
u/]df jf r]s lng] JolQmn] r]sdf plNnlvt ljj/0f
;xL ePsf] olsg ug{ ;Sg] cj:yfdf afx]s cGo s'g}
sf/0fn] r]s lkmtf{ ePdf a'Fbf g+= !)=! df h'g;'s} s'/f
n]lvPsf] ePtfklg b]xfo jdf]lhd x'g]5 M–
45= O{=k|f=lgb]{zg g+=
!@÷)&% sf] a'Fbf g+=
!)=@ sf] v08 -ª_ sf]
pkv08 -!_ df ;+zf]wg
-ª_ vftfdf df}Hbft ckof{Kt ePdf
-!_ Psk6s e'QmfgL geOsg lkmtf{ ePsf]
r]ssf] xsdf e'QmfgL kfpg'kg]{ JolQm, kmd{, sDkgL jf
;+:yfn] sDtLdf b'O{ sfo{lbgsf] ;do lbO{ ;DalGwt
a}+s jf ljQLo ;+:yfdf k'gM r]s k]z ug{ ;Sg]5 .
-ª_ vftfdf df}Hbft ckof{Kt ePdf
-!_ Psk6s e'QmfgL geOsg lkmtf{ ePsf] r]ssf]
xsdf r]s wf/s JolQm, kmd{, sDkgL jf ;+:yfn]
sDtLdf b'O{ sfo{lbgsf] ;do lbO{ ;DalGwt a}+s jf
ljQLo ;+:yfdf k'gM r]s k]z ug{ ;Sg]5 .
46= O{=k|f=lgb]{zg g+=
!@÷)&% sf] a'Fbf g+=
!)=@ sf] v08 -ª_ sf]
pkv08 -@_ df ;+zf]wg
-ª_ vftfdf df}Hbft ckof{Kt ePdf
-@_ ;f] Dofb kZrft\ klg /sd e'QmfgL gePsf]
v08df /sd e'QmfgL kfpg'kg]{ JolQm, kmd{, sDkgL jf
;+ul7t ;+:yfn] r]ssf] /sd e'QmfgL ug'{kg]{ a}+s jf
ljQLo ;+:yfdf lnlvt ?kdf hfgsf/L lbg ;Sg]5 .
-ª_ vftfdf df}Hbft ckof{Kt ePdf
-@_ ;f] Dofb kZrft\ klg /sd e'QmfgL gePsf] v08df
r]s wf/s JolQm, kmd{, sDkgL jf ;+ul7t ;+:yfn]
r]ssf] /sd e'QmfgL ug'{kg]{ a}+s jf ljQLo ;+:yfdf
lnlvt ?kdf hfgsf/L lbg ;Sg]5 . t/, o:tf] lgj]bg
r]s hf/L ePsf] ldltn] ^ dlxgf leq lbO;Sg' kg]{5 .
47= O{=k|f=lgb]{zg g+=
!@÷)&% sf] a'Fbf g+=
!)=@ df v08 -em_ yk
-em_ r]sdf unt x:tfIf/ u/L r]s e'QmfgL gePdf
xfn gePsf] .
-em_ r]sdf unt x:tfIf/ u/L r]s e'QmfgL gePdf
-!_ s'g} JolQm, kmd{, sDkgL jf ;+:yfn] hf/L u/]sf]
r]ssf] x:tfIf/ gldn]sf] v08df a}+sn] ;f] r]s
20
qm=;+ lgb]{zg g+= ljBdfg Joj:yf ;+zf]lwt Joj:yf
wf/snfO{ r]ssf] x:tfIf/ gldn]sf] Joxf]/f lnlvt
?kdf hfgsf/L u/fpg' kg]{ 5 .
-@_ r]s wf/sn] r]ssf] x:tfIf/ gldn]sf] Joxf]/f r]s
hf/L ug]{ JolQm kmd{, sDkgL jf ;+:yfnfO{
a}+s÷ljQLo ;+:yf dfkm{t hfgsf/L u/fpg' kg]{ 5 .
r]s hf/L ug]{ JolQm kmd{, sDkgL jf ;+:yfn] r]sdf
;xL x:tfIf/ gu/]df jf r]s kl/jt{g gu/]df
wf/sn] klxnf] k6s r]s k]z u/]sf] @ sfo{lbg
kZrft r]ssf] /sd e'QmfgL ug'{kg]{ a}+s jf ljQLo
;+:yfdf lnlvt ?kdf hfgsf/L lbg ;Sg]5 .
-#_ v08 -@_ adf]lhd lnlvt hfgsf/L k|fKt ePkl5
;DalGwt a}+s jf ljQLo ;+:yfn] r]s hf/L ug]{
To:tf JolQm, kmd{, sDkgL jf ;+ul7t ;+:yfnfO{
r]ssf] /sd e'QmfgL ug{ ;fj{hlgs ljbf afx]s
;ft lbgsf] ;"rgf lbg'kg]{5 / ;f] ldltleq klg
/sd e'QmfgL x'g g;s]df -r]s x/fPsf], rf]/L
ePsf] jf cgflws[t ?kdf r]s hf/L ePsf] lnlvt
lgj]bg k|fKt ePsf] cj:yfdf afx]s_ To:Tff] r]s
lvRg] JolQm, kmd{, sDkgL jf ;+ul7t ;+:yfnfO{
pQm r]s hf/L ug]{ a}+s jf ljQLo ;+:yfn] clgjfo{
?kdf sfnf];"rLdf ;"rLs[t ug{ shf{ ;"rgf s]Gb|df
n]vL k7fpg' kg]{5 . ;f] cg';f/ gu/]df a}+s tyf
ljQLo ;+:yfnfO{ o;} lgb]{zg adf]lhd sf/afxL
x'g]5 .
48= O{=k|f=lgb]{zg g+=
!@÷)&% sf] a'Fbf g+=
!)=@ df v08 -`_ yk
-em_ r]sdf unt x:tfIf/ u/L r]s e'QmfgL gePdf
xfn gePsf] .
-em_ r]sdf unt x:tfIf/ u/L r]s e'QmfgL gePdf
-`_ v08 -ª_ b]lv v08 -em_ ;Ddsf] Joj:yf g]kfnL
a}+s tyf ljQLo ;+:yfdf vftf eO{ r]s hf/L u/]sf
ljb]zL gful/s ;d]tnfO{ nfu' x'g]5 .
49= O{=k|f=lgb]{zg g+=
!@÷)&% df gofF a'Fbf
xfn gePsf] . @!= o; a}+ssf] lgb]{zg adf]lhd sfnf] ;"rLdf ;dfj]z
ePsf JolQm, kmd{, sDkgL, ;+:yfn] a}+s tyf ljQLo
21
qm=;+ lgb]{zg g+= ljBdfg Joj:yf ;+zf]lwt Joj:yf
g+= @! yk u/L qmd
;+Vof ldnfg
;+:yfdf vftf -sn vftf ;d]t_ vf]Ng kfpg] 5}gg\ .
;fy} sfnf] ;"rLdf /x]sf] JolQm, kmd{, sDkgL jf
;+:yfsf] sfod /x]sf] vftfdf /sd hDdf ug{ afx]s
cGo a}lsË sf/f]af/ ug{ kfOg] 5}g .
t/, b}lgs hLjgofkgsf] nflu rflxg] cfwf/e"t
cfjZos vr{sf] k|of]hgsf] nflu g]kfn ;/sf/af6
tf]lsP adf]lhdsf] /sdsf] xb;Dd /sd lgsfNg, g]kfn
;/sf/nfO{ a'emfpg' kg]{ s/, z'Ns, b:t'/ cflb ltg{
tyf a}+s jf ljQLo ;+:yfsf] shf{ glt/L sfnf] ;"rLdf
;dfj]z ePsf JolQm, kmd{, sDkgL jf ;+:yfn] C0f ltg]{
k|of]hgsf] nflu dfq vftf ;~rfng ug{ o; Joj:yfn]
afwf k'u]sf] dflgg] 5}g .
50= O{=k|f=lgb]{zg g+=
!#÷)&% sf] a'Fbf g+= !
sf] pka'Fbf g+= -%_ df
;+zf]wg
!=clgjfo{ df}Hbft ;DaGwL Joj:yf
clgjfo{ df}Hbftdf gk'u eP hlt /sddf k|rlnt a}+s
b/sf] k|ltztn] b'O{ xKtfsf] lx;fadf hl/jfgf nufOg]5
/ o;/L gk'u eP hltsf] /sdnfO{ a}+s b/sf] k|ltztn]
u'0ff u/L 5Ala;n] efu ul/g] 5 .
!=clgjfo{ df}Hbft ;DaGwL Joj:yf
clgjfo{ df}Hbftdf gk'u eP hlt /sddf k|rlnt a}+s
b/sf] k|ltztn] b'O{ xKtfsf] lx;fadf hl/jfgf nufOg]5
/ o;/L gk'u eP hltsf] /sdnfO{ a}+s b/sf] k|ltztn]
u'0ff u/L 5lAa;n] efu ul/g] 5 . Pp6} cjlw -b'O{
xKtfsf]_ df Go"gtd b}lgs df}Hbft tyf clgjfo{ df}Hbft
b'j}df gk'u ePdf nfUg] hl/jfgfdWo] h'g a9L x'G5 ;f]
dfq nfUg] 5 .
51= O{=k|f=lgb]{zg g+=
!#÷)&% sf] a'Fbf g+= #
sf] v08 -ª_ df ;+zf]wg
#=j}wflgs t/ntf cg'kft -Statutory Liquidity
Ratio_ ;DaGwL Joj:yf
/fli6«o:t/ afx]ssf ljQLo ;+:yfx?n] dfu]sf jvt
k|fKt x'g] u/L cGo a}+s tyf ljQLo ;+:yfx?df /fv]sf]
/sd,
#=j}wflgs t/ntf cg'kft -Statutory Liquidity
Ratio_ ;DaGwL Joj:yf
k|fb]lzs :t/sf ljQLo ;+:yfx?n] dfu]sf jvt k|fKt
x'g] u/L cGo a}+s tyf ljQLo ;+:yfx?df /fv]sf] /sd,
52= O{=k|f=lgb]{zg g+=
!#÷)&% sf] a'Fbf g+= #
df gofF v08 -5_ yk
#= j}wflgs t/ntf cg'kft -Statutory Liquidity
Ratio_ ;DaGwL Joj:yf
xfn gePsf] .
#= j}wflgs t/ntf cg'kft -Statutory Liquidity
Ratio_ ;DaGwL Joj:yf
-5_ v'nf ahf/ sf/f]jf/ cGtu{t Ohfhtkqk|fKt
22
qm=;+ lgb]{zg g+= ljBdfg Joj:yf ;+zf]lwt Joj:yf
;+:yfaf6 o; a}+sn] ;+sng u/]s]f lgIf]k,
53= O=k|f=lgb]{zg g+=
!%÷)&% sf] a'Fbf g+= #
sf] pka'Fbf g+= -#_ df
k|ltaGwfTds jfSof+z
yk
#= shf{sf] Aofhb/
-#_ shf{sf] k|sf/ tyf e'QmfgL cjlwsf cfwf/df 5'§f5§}
lk|ldod b/ to u/L q}dfl;s ?kdf shf{ tyf ;fk6sf]
Aofhb/ lgwf{/0f tyf k|sfzg ug{' kg]{5 . Aofhb/ k|sfzg
ubf{ shf{ zLif{s cg';f/ cfwf/ b/df yk ul/g] lk|ldod
b/ :ki6 ?kdf pNn]v ug'{ kg]{5 . k|sflzt lk|ldod b/
kl/jt{g ubf{ cw{jflif{s ?kdf kl/jt{g ug{ ;lsg]5 .
#= shf{sf] Aofhb/
-#_ shf{sf] k|sf/ tyf e'QmfgL cjlwsf cfwf/df 5'§f5§}
lk|ldod b/ to u/L q}dfl;s ?kdf shf{ tyf ;fk6sf]
Aofhb/ lgwf{/0f tyf k|sfzg ug{' kg]{5 . Aofhb/ k|sfzg
ubf{ shf{ zLif{s cg';f/ cfwf/ b/df yk ul/g] lk|ldod b/
:ki6 ?kdf pNn]v ug'{ kg]{5 . k|sflzt lk|ldod b/
kl/jt{g ubf{ cw{jflif{s ?kdf kl/jt{g ug{ ;lsg]5 . t/,
lk|ldod b/ 36fpg' kg]{ ePdf cw{jflif{s eGbf sd
;dofjlwdf klg k|sflzt lk|ldod b/ kl/jt{g ug{ ;lsg]5
.
54= O=k|f=lgb]{zg g+=
!%÷)&% cg';"rL !%=!
sf] a'Fbf g+= @=$ df
:ki6Ls/0f yk
:ki6Ls/0f M o; k|of]hgsf nflu s''n ;~rfng vr{
eGgfn] ;+:yfsf] s'n ;~rfng vr{af6 O=k|f=lgb]{zg g+=
$ df tf]lsPsf] ljQLo ljj/0sf] 9fFrfsf] cg';"rL $=#^
df /x]sf] Finance Expense under NFRS / Employees
Bonus 36fO{ sfod /x]sf] s'n ;~rfng vr{nfO{
;Demg' kb{5 . ;fy}, lgIf]k ;+sng;+u k|ToIf ;DalGwt
lgIf]kstf{nfO{ k|bfg ug]{ ;'lawf jfktsf vr{x? h:t}
aLdf vr{, cf}ifwL pkrf/ vr{ cflb s'n ;~rfng
vr{df ;dfj]z ug{ kfOg] 5}g .
55= O=k|f=lgb]{zg g+=
!^÷)&% sf] a'Fbf g+= %
sf] pka'Fbf g+= @ / a'Fbf
g+= !! sf] pka'Fbf g+= &
df k|ltaGwfTds jfSof+z
yk
%= l8a]~r/ tyf cGo C0f pks/0fx? hf/L ug{]
;DaGwL Joj:yf
xfn gePsf] .
%= l8a]~r/ tyf cGo C0f pks/0fx? hf/L ug{]
;DaGwL Joj:yf
t/, o; a}+sn] tf]s]sf] Go"gtd r'Qmf k'FhL k'/f ug]{
k|of]hg afx]ssf] cj:yfdf ;+:yfn] s'g} cfly{s jif{df %
k"0f{ cfly{s jif{ eGbf a9L e'QmfgL cjlw afFsL /x]sf]
C0fkq jfkt e'QmfgL sf]ifdf hDdf ug'{ kg{] /sd
a/fa/ af]g; ;]o/ hf/L u/]df ;f] cfly{s jif{df e'QmfgL
sf]if (Capital Redemption Reserve) df /sd hDdf
ug{ clgjfo{ x'g] 5}g . t/, ;f] jif{df hDdf ug'{ kg]{
23
qm=;+ lgb]{zg g+= ljBdfg Joj:yf ;+zf]lwt Joj:yf
/sd pQm jif{ kZrftsf cfly{s jif{x?df yk u/L
;dfg'kflts cfwf/df clgjfo{ ?kdf pQm sf]ifdf hDdf
ug'{ kg]{ 5 .
56= O=k|f=lgb]{zg g+=
!^÷)&% sf] a'Fbf g+= !!
sf] pka'Fbf g+= !@ nfO{
;+zf]wg
!!= ;xfos cfjlws C0fkq tyf e'QmfgL of]Uo
ckl/jt{gLo cu|flwsf/ ;]o/ hf/L ug{ ;Sg]
!@= C0fkq÷e'QmfgLof]Uo ckl/jt{gLo cu|flwsf/ z]o/
e'QmfgL u/]kl5 e'QmfgL ;dfof]hg sf]if -
Redemption Reserve_ df afFsL /x]sf] /sdnfO{
k'FhLsf]if ;dfof]hg sf]ifdf /sdfGt/ ug'{ kg]{ 5 .
!!= ;xfos cfjlws C0fkq tyf e'QmfgL of]Uo
ckl/jt{gLo cu|flwsf/ ;]o/ hf/L ug{ ;Sg]
!@=C0fkq÷e'QmfgLof]Uo ckl/jt{gLo cu|flwsf/ z]o/
e'QmfgL u/]kl5 a'Fbf g+= % sf] pka'Fbf g+= @ / o;
a'Fbfsf] pka'Fbf g+ & adf]lhd sfod u/]sf] e'QmfgL
;dfof]hg sf]if -Capital Redemption Reserve_ df
afFsL /x]sf] /sdnfO{ k'FhLsf]if ;dfof]hg sf]ifdf
/sdfGt/ ug'{ kg]{ 5 . k'FhL ;dfof]hg sf]ifdf hDdf
ePsf] /sdaf6 af]g; ;]o/dfq hf/L ug{ ;lsg] 5 .
57= O{=k|f= lgb]{zg g+=
!&÷)&% sf] d"n
lzif{sdf ;+zf]wg
!&= ljkGg ju{ tyf tf]lsPsf pTkfbgzLn
If]qdfk|jfx ug'{kg]{ shf{ ;DaGwL Joj:yf
!&= ljkGg ju{ tyf k|fyldstfk|fKt If]qdf
k|jfxug'{kg]{ shf{ ;DaGwL Joj:yf
58= O{=k|f= lgb]{zg g+=
!&÷)&% sf] a'Fbf g++ #
sf] v08 -7_ df ;+zf]wg
-7_ rfnsx?nfO{ cfˆg} :jfldTjdf l/S;f, ljB'tLo
l/S;f, c6f] l/S;f vl/b u/L cfkm} ;~rfng
ug]{ k|of]hgsf nflu pQm l/S;fs} lwtf]df k|jfx
ePsf] shf{ .
-7_ rfnsx?nfO{ cfˆg} :jfldTjdf l/S;f, ljB'tLo
l/S;f, c6f] l/S;f, ljB'tLo 6]Dkf] vl/b u/L
cfkm} ;~rfng ug]{ k|of]hgsf nflu pQm
l/S;fs} lwtf]df k|jfx ePsf] shf{ .
59= O{=k|f= lgb]{zg g+=
!&÷)&% a'Fbf g+= !& sf]
:kli6s/0f sf] a'Fbf g+= !
df ;+zf]wg
!&= k|fyldstfk|fKt If]q shf{ ;DaGwL Joj:yf
:ki6Ls/0fM
-!_ …k|fyldstfk|fKt If]qÚ eGgfn] jfl0fHo a}+ssf] nflu
s[lif, hnljB't÷phf{ tyf ko{6g If]qnfO{ hgfp5
eg] ævÆ / æuÆ ju{sf ljQLo ;+:yfsf] xsdf
s[lif, hnljB't÷phf{, ko{6g, lgof{t, ;fgf tyf
demf}nf, cf}ifwL pTkfbg, l;d]G6, ufd]{G6 pBf]unfO{
!&= k|fyldstfk|fKt If]q shf{ ;DaGwL Joj:yf
:ki6Ls/0fM
-!_ …k|fyldstfk|fKt If]qÚ eGgfn] s[lif If]q,
hnljB't÷phf{ If]q, ko{6g If]q / lgof{t pBf]u,
;fgf tyf demf}nf pBf]u, cf}ifwL pTkfbg pBf]u,
l;d]G6 pBf]u Pjd\ ufd]{G6 pBf]unfO{ hgfpg] 5 .
24
qm=;+ lgb]{zg g+= ljBdfg Joj:yf ;+zf]lwt Joj:yf
hgfpg] 5 .
60= O{=k|f= lgb]{zg g+=
!&÷)&% a'Fbf g+= !& sf]
:ki6Ls/0f sf] a'Fbf g+= #
df ;+zf]wg
!&= k|fyldstfk|fKt If]q shf{ ;DaGwL Joj:yf
-#_ …hnljB't÷phf{ If]qÚ eGgfn] hnljB't, gjLs/0fLo
phf{ ;DaGwL -o; a}+saf6 hf/L g]= /f= a}+s lgb]{zg
kmf=g+= #=! sf] qm=;+= &=! adf]lhdsf]_ If]q tyf
gjLs/0fLo phf{af6 rNg] ;fj{hlgs ;jf/L ;fwgnfO{
;d]t hgfpg] 5 .
!&= k|fyldstfk|fKt If]q shf{ ;DaGwL Joj:yf
-#_ …hnljB't÷phf{ If]qÚ eGgfn] hnljB't, gjLs/0fLo
phf{ ;DaGwL -o; a}+saf6 hf/L g]= /f= a}+s lgb]{zg
kmf=g+= #=! sf] qm=;+= &=! adf]lhdsf]_ If]q tyf
gjLs/0fLo phf{af6 rNg] ;fj{hlgs ;jf/L ;fwg Pjd\
rflh{Ë :6]zgnfO{ ;d]t hgfpg] 5 .
61= O{=k|f= lgb]{zg g+=
!(÷)&% a'Fbf g+= !! df
;+zf]wg
!!= ljB'tLo dfWodaf6 ;"rgf lbg]M Ohfhtkqk|fKt
a}+s tyf ljQLo ;+:yfn] ljQLo hfgsf/L OsfO{df k]z
ug'{kg]{] ;Ldf tyf ;+sfikb sf/f]jf/sf] k|ltj]bg
lgodfjnLsf] lgod !$ adf]lhd b]xfo adf]lhdsf]
ldltb]lv ljB'tLo dfWodaf6 k]z ug'{ kg]{5 .
-s_ æsÆ ju{sf afl0fHo a}+sn] @)&% sflt{s !
ut]b]lv
-v_ ævÆ / æuÆ ju{sf ljQLo ;+:yfx?n] @)&^ ;fpg
! ut]b]lv
!!= ljB'tLo dfWodaf6 ;"rgf lbg]M Ohfhtkqk|fKt a}+s
tyf ljQLo ;+:yfn] ljQLo hfgsf/L OsfO{df k]z ug'{kg]{]
;Ldf tyf z+sfikb sf/f]jf/sf] k|ltj]bg lgodfjnLsf]
lgod !$ adf]lhd ljB'tLo dfWodaf6 k]z ug'{ kg]{5 .
62=
O{=k|f= lgb]{zg g+= !(÷)&%
sf] a'Fbf g+= !* sf] pka'Fbf
g+= -^_ df ;+zf]wg
!*= cfGtl/s lgoGq0f ;DaGwdf M
a}+s tyf ljQLo ;+:yfsf] hf]lvd Joj:yfkg ;ldltn]
sDtLdf tLg dlxgfdf Ps k6s P]g, lgodfjnL / o;
lgb]{zg adf]lhd eP÷u/]sf sfd sf/jfxLsf] k|ltj]bg
;~rfns ;ldltdf k]z ug'{kg]{5 . pQm k|ltj]bg pk/
;~rfns ;ldltn] cfjZos ;dLIff ug'{ kg]{5 .
!*= cfGtl/s lgoGq0f ;DaGwdf M
a}+s tyf ljQLo ;+:yfsf] ;DklQ z'4Ls/0f lgjf/0f ;ldltn]
sDtLdf tLg dlxgfdf Ps k6s P]g, lgodfjnL / o;
lgb]{zg adf]lhd eP÷u/]sf sfd sf/jfxLsf] ;dLIff u/L
k|ltj]bg ;~rfns ;ldltdf k]z ug'{kg]{5 . pQm k|ltj]bg
pk/ ;~rfns ;ldltn] cfjZos ;dLIff ug'{ kg]{5 .
63= O{=k|f= lgb]{zg g+= !(÷)&%
sf] cg';"rL !(=! sf] a'Fbf
g+= -8_ df v08 -&_ / -*_
yk
xfn gePsf] .
-&_ vftf ;~rfnssf] JolQmut ljj/0f
-*_ pkef]Qmf ;ldltsf] u7gsf] p2]Zo adf]lhd dfq vftf
;~rfng ug]{ ;DaGwdf pkef]Qmf ;ldltsf] :j3f]if0ff .
25
qm=;+ lgb]{zg g+= ljBdfg Joj:yf ;+zf]lwt Joj:yf
64= O{=k|f= lgb]{zg g+= @)÷)&%
sf] a'Fbf g+= ! sf] pka'Fbf
g+= -$_ df ;+zf]wg
!= zfvf/lxt a}+ls+Ë ;]jf -Branchless Banking_
;DaGwdf
-$_ a}+s tyf ljQLo ;+:yfn] cfk"m jf cfk"måf/f lgo'Qm
Jofj;flos cflwsfl/s k|ltlglw-Ph]G6_ dfkm{t ;d]t
zfvf/lxt a}+lsË ;]jf ;~rfng ug{ ;Sg] 5g\ .
Ph]G6dfkm{t To:tf] ;]jf ;~rfng ug]{ ePdf k|ltlglw
5gf}6sf] nflu k|ltlglwsf] ;Ifdtf k/LIf0f u/L låkIfaLr
a'Fbf g+= & sf] cwLgdf /xL ;Demf}tf ePsf] x'g' kg]{ 5 .
!=zfvf/lxt a}+ls+Ë ;]jf -Branchless Banking_
;DaGwdf
-$_ a}+s tyf ljQLo ;+:yfn] cfk"m jf cfk"måf/f lgo'Qm
Jofj;flos cflwsfl/s k|ltlglw-Ph]G6_ dfkm{t ;d]t
zfvf/lxt a}+lsË ;]jf ;~rfng ug{ ;Sg] 5g\ . Ph]G6dfkm{t
To:tf] ;]jf ;~rfng ug]{ ePdf k|ltlglw 5gf}6sf] nflu
k|ltlglwsf] ;Ifdtf k/LIf0f u/L låkIfaLr a'Fbf g+= # sf]
cwLgdf /xL ;Demf}tf ePsf] x'g' kg]{ 5 .
65= O{=k|f= lgb]{zg g+= @)÷)&%
sf] a'Fbf g+= ! sf] pka'Fbf
g+= -^_ df ;+zf]wg
!= zfvf/lxt a}+ls+Ë ;]jf -Branchless Banking_
;DaGwdf
-^_ a}+s tyf ljQLo ;+:yfn] zfvf/lxt a}lsË ;]jf k|bfg
ug'{k"j{ cfˆgf u|fxs;Fu a'Fbf g+= # sf] cwLgdf /xL
;Demf}tf ug'{ kg]{5 .
!=zfvf/lxt a}+ls+Ë ;]jf -Branchless Banking_
;DaGwdf
-^_ a}+s tyf ljQLo ;+:yfn] zfvf/lxt a}lsË ;]jf k|bfg
ug'{k"j{ cfˆgf u|fxs;Fu a'Fbf g+= @ sf] cwLgdf /xL ;Demf}tf
ug'{ kg]{5 .
66= % O{=k|f= lgb]{zg g+=
@!÷)&% df a'Fbf g+= !$
yk u/L xfnsf] qmd
;++Vof ldnfg
xfn gePsf] . -!$_ Ps jif{eGbf a9L e'QmfgL cjlw ePsf cfjlws
shf{sf] xsdf shf{ k|jfx kZrft\ t];|f] kIfnfO{
ltg'{kg]{]{ z'Ns afx]s cGo s'g} klg z'Ns lng kfOg]
5}g .
67= O{=k|f= lgb]{zg g+=
@@÷)&% df a'Fbf g+= $
sf] pka'Fbf g+= & sf]
v08 -u_ df ;+zf]wg
&= shf{ ckn]vg ;DaGwL ljlgod agfpFbf cjnDag
ug'{ kg]{ dfu{bz{g ;DaGwdf
-u_ PseGbf a9L k|b]zdf ;d]t zfvf sfof{no vf]nL
;~rfngdf /x]sf ljQLo ;+:yfx?n] @)&& c;f/leq
pQm zfvf ljqmL, aGb jf :yfgfGt/0f u/L cfˆgf]
;Dk"0f{ sfo{If]q Pp6} k|b]zleq ;Lldt u/L ;Sg'
kg]{5 .
&= shf{ ckn]vg ;DaGwL ljlgod agfpFbf cjnDag
ug'{ kg]{ dfu{bz{g ;DaGwdf
-u_ PseGbf a9L k|b]zdf ;d]t zfvf sfof{no vf]nL
;~rfngdf /x]sf ljQLo ;+:yfx?n] @)&&
c;f/leq pQm zfvf ljqmL, aGb jf :yfgfGt/0f
u/L cfˆgf] ;Dk"0f{ sfo{If]q Pp6} k|b]zleq ;Lldt
u/L ;Sg' kg]{5 . t/, Ps cfk;df ufEg]÷ufleg] jf
k|flKt k|lqmofdf ;+nUg eO{ @)&& c;f/ d;fGtleq
PsLs[t sf/f]af/ ;+rfng ug]{ ;+:yfsf] xsdf o:tf]
;dofjlw @)&* c;f/d;fGt sfod ul/Psf]5 .
68= % O{=k|f= lgb]{zg g+=
@@÷)&% df a'Fbf g+= @$
sf] pka'Fbf g+= ! sf]
v08 -s_ sf]
@$= r]s lSnol/Ë tyf e'QmfgL ;DaGwL Joj:yfM
:ki6Ls/0f M
o; k|of]hgsf nflu k|fyldstfk|fKt k"jf{wf/ cfof]hgfx?
@$=r]s lSnol/Ë tyf e'QmfgL ;DaGwL Joj:yfM
:ki6Ls/0f M
o; k|of]hgsf nflu k|fyldstfk|fKt k"jf{wf/ cfof]hgfx?
26
qm=;+ lgb]{zg g+= ljBdfg Joj:yf ;+zf]lwt Joj:yf
:ki6Ls/0fdf ;+zf]wg h:t} hnljB't, ;8s, ;~rf/ h:tf If]qx?df sd{rf/L
tyf >ldsx?sf] kfl/>lds÷Hofnf e'QmfgL ug{, g]kfn
;/sf/sf ljleGg lgsfo tyf ljleGg cfof]hgfx?df
cfjZos dfn;fdfgx?sf] cfk"lt{ ug{, g]kfn ;/sf/nfO{
j'emfpg' kg]{ /fh:j e'QmfgL ug{, sfg'gL sf/jfxLsf]
l;nl;nfdf ljuf]÷w/f}6L÷hdfgt /sd hDdf ug{, k]G;g
SofDk dfkm{t k]G;g ljt/0f ug{, g]kfn ;/sf/n] ljt/0f
ug]{ /fxt, cg'bfg jf ;xfotf ljt/0f ug{, ljk|]if0f
sDkgL÷Ph]G6x?n] ljk|]if0f k|fKt ug]{ JolQmx?nfO{ /sd
e'QmfgL ug{ lgj]bg lnO{ pNn]lvt ;Ldf eGbf a9L gub
e'QmfgL lbg ;lsg]5 . o; cg';f/ e'QmfgL ePsf] /sdsf]
ljj/0f ;DalGwt a}+s tyf ljQLo ;+:yfdf a'emfpg' kg]{5 .
h:t} hnljB't, ;8s, ;~rf/ h:tf If]qx?df sd{rf/L tyf
>ldsx?sf] kfl/>lds÷Hofnf e'QmfgL ug{, g]kfn ;/sf/sf
ljleGg lgsfo tyf ljleGg cfof]hgfx?df cfjZos
dfn;fdfgx?sf] cfk"lt{ ug{, g]kfn ;/sf/nfO{ j'emfpg' kg]{
/fh:j e'QmfgL ug{, sfg'gL sf/jfxLsf] l;nl;nfdf
ljuf]÷w/f}6L÷hdfgt /sd hDdf ug{, k]G;g SofDk dfkm{t
k]G;g ljt/0f ug{, g]kfn ;/sf/n] ljt/0f ug]{ /fxt,
cg'bfg jf ;xfotf ljt/0f ug{, ljk|]if0f sDkgL÷Ph]G6x?n]
ljk|]if0f k|fKt ug]{ JolQmx?nfO{ /sd e'QmfgL ug{, art tyf
C0f ;xsf/L ;+:yfnfO{ cfˆgf ;b:ox?;+usf] b}lgs
sf/f]af/sf] e'QmfgL ug{ lgj]bg lnO{ pNn]lvt ;Ldf eGbf
a9L gub e'QmfgL lbg ;lsg]5 . o; cg';f/ e'QmfgL ePsf]
/sdsf] ljj/0f ;DalGwt a}+s tyf ljQLo ;+:yfdf a'emfpg'
kg]{5 .
69= % O{=k|f= lgb]{zg g+=
@@÷)&% df a'Fbf g+=
@( sf] klxnf]
cg'R5]bdf ;+zf]wg
@(= ;fd'lxs nufgL sf]if ;~rfng ug{] ;DaGwdf
a}+s tyf ljQLo ;+:yf ;DaGwL P]g, @)&# sf] bkmf $( sf]
pkbkmf -!_ sf] v08 -o_ sf] k|of]hgsf nflu b]xfosf
zt{x?sf] cwLgdf /xL o; a}+saf6 Ohfhtkqk|fKt ÆsÆ
ju{sf a+}sx?n] ;fd'lxs nufgL sf]if ;~rfng ug{ ;Sg]]]]
5g\ .
@(= ;fd'lxs nufgL sf]if ;~rfng ug{] ;DaGwdf
a}+s tyf ljQLo ;+:yf ;DaGwL P]g, @)&# sf] bkmf $( sf]
pkbkmf -!_ sf] v08 -o_ sf] k|of]hgsf nflu b]xfosf
zt{x?sf] cwLgdf /xL o; a}+saf6 Ohfhtkqk|fKt a+}s tyf
ljQLo ;+:yfx?n] ;fd'lxs nufgL sf]if ;~rfng ug{ ;Sg]]]]
5g\ .
70= O{=k|f= lgb]{zg g+=
@@÷)&% df a'Fbf g+=
#) sf] pka'Fbf g+= ! sf]
v08 -v_ df ;+zf]wg
#)= k'g/shf{ pknAw u/fpg] ;DaGwdf
-v_ ko{6sLo ;Defjgf /x]sf t/ t'ngfTds ?kdf
ljsf; x'g g;s]sf ko{6sLo uGtJo kflye/f, dfOkf]v/L,
led]Zj/, sfln~rf]s, xn];L, nfª6fª, :ju{åf/L, dflyNnf]
d':tfª, u9LdfO{, hgsk'/wfd, /f/f tyf vKt8 If]qdf
;'ljwf ;DkGg :t/Lo xf]6n :yfkgf ug{ k|bfg ul/Psf
c;n shf{sf] ;'/If0fdf jflif{s $ k|ltzt Aofhb/df
k'g/shf{ pknAw u/fOg] 5 .
#)=k'g/shf{ pknAw u/fpg] ;DaGwdf
-v_ ko{6sLo ;Defjgf /x]sf t/ t'ngfTds ?kdf
ljsf; x'g g;s]sf ko{6sLo uGtJo kflye/f, dfOkf]v/L,
led]Zj/, sfln~rf]s, xn];L, nfª6fª, :ju{åf/L, dflyNnf]
d':tfª, u9LdfO{, hgsk'/wfd, /f/f tyf vKt8 If]qdf ;'ljwf
;DkGg :t/Lo xf]6n :yfkgf ug{ k|bfg ul/Psf c;n
shf{sf] ;'/If0fdf jflif{s # k|ltzt Aofhb/df k'g/shf{
pknAw u/fOg] 5 .
71= % e"sDk k|efljt
3/kl/jf/nfO{ cfjf;Lo
3/ k'glg{df0fsf nflu
-^_ a}+s tyf ljQLo ;+:yfn] k|bfg u/]sf] shf{df C0fL;Fu
c;'n pk/ ug'{kg]{ AofhdWo] @ k|ltzt ;DalGwt C0fLjf6
c;'n ug]{ / afFsL Aofh /sd o; a}+sjf6 q}dfl;s ?kdf
-^_ a}+s tyf ljQLo ;+:yfn] k|bfg u/]sf] shf{df C0fL;Fu
c;'n pk/ ug'{kg]{ AofhdWo] @ k|ltzt ;DalGwt C0fLjf6
c;'n ug]{ / afFsL Aofh /sd o; a}+sjf6 q}dfl;s ?kdf
27
qm=;+ lgb]{zg g+= ljBdfg Joj:yf ;+zf]lwt Joj:yf
k|bfg ul/g] k'g/shf{
sfo{ljlw, @)&@ sf] a'Fbf
g+= ^ df yk
qodf; ;dfKt ePsf] ldltn] !% lbg leq ;+nUg 9fFrf
adf]lhd ;f]wegf{ dfu ug'{ kg]{5 . o;/L dfu ePsf] Aofh
cg'bfg jfktsf] /sd o; a}+sjf6 qodf; ;dfKt ePsf]
ldltn] Ps dlxgf leqdf ;DalGwt a}+s tyf ljQLo
;+:yfsf] vftfdf /sdfGt/ ul/g]5 .
qodf; ;dfKt ePsf] ldltn] !% lbg leq ;+nUg 9fFrf
adf]lhd ;f]wegf{ dfu ug'{ kg]{5 . o;/L dfu ePsf] Aofh
cg'bfg jfktsf] /sd o; a}+sjf6 qodf; ;dfKt ePsf]
ldltn] Ps dlxgf leqdf ;DalGwt a}+s tyf ljQLo
;+:yfsf] vftfdf /sdfGt/ ul/g]5 . ;fy}, o; a}+saf6
;f]wegf{ dfu ug'{ kg]{ /sd ;f]wegf{ k|fKt gePsf]
cj:yfdf ;d]t cfDbfgL n]vfÍg ug{ ;lsg]5 . k"FhLsf]if
u0fgf ug]{ k|of]hgsf nflu ;f] /sdnfO{ g]kfn ;/sf/af6
k|fKt x'g' kg]{ /sd cGtu{t z"Go k|ltzt hf]lvd ef/ k|bfg
ug{ ;lsg] 5 .