k|ltlglw -k|f]s;l kmf/fd - home | pokhara finance ltd.ltlglw -k|f]s;l_ kmf/fd >l ;~rfns ;ldlt,...

k|ltlglw -k|f]S;L_ kmf/fd>L ;~rfns ;ldlt,kf]v/f kmfOgfG; lnld6]8Go"/f]8, kf]v/f .

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

====================lhNnf====================g=kf=÷uf=lj=;=,j*f g+======a:g] d÷xfdL==================================== n] To; sDkgLsf] z]o/wgLsf] x}l;otn] ;+jt\ 2073 ;fn sflt{s 9 ut]sf lbg x'g] 20 cf}+ jflif{s ;fwf/)f ;efdf d÷xfdL :jod\ pkl:yt eO{ %nkmn tyf lg)f{odf ;xefuL x'g g;Sg] ePsfn] pQm ;efdf d]/f]÷xfd|f] tkm{af^ efu lng tyf dtbfg ug{sf nflu =============== lhNnf ========================= g=kf=÷uf=lj=;=, j*f g+= =======a:g] >L =========================================== nfO{ d]/f] ÷xfd|f] k|ltlglw lgo'Qm u/L k&fPsf] %'÷k&fPsf] %f}+ .

lgj]bs

b:tvt

k|ltlglw lgo'Qm ePsf] JolQmsf] gfd M

x:tfIf/sf] gd"gf M &]ufgf M

z]o/ k|df)fkq g+=M z]o/ k|df)fkq g+=M

z]o/ ;+Vof M

ldlt M

b|i6«Ao M of] lgj]bg ;fwf/0f ;ef x'g' eGbf sDtLdf $* 306f cufj} sDkgLsf] s]Gb|Lo sfof{nodf k]z ul/;Sg' kg]{5 .

k|a]z—kqz]o/wgL =============================== z]o/wgL kl/ro g+= ==========================

z]o/ ;+Vof =====================================o; sDkgL -ljQLo ;+:yf_ sf] 20 cf}+ jflif{s ;fwf/)f ;ef lgDg ldlt, ;do / :yfgdf x'g] ePsf]n] pQm ;efdf

pkl:yt x'g of] k|j]z kq hf/L ul/Psf] % .

;fwf/)f ;ef x'g] ldlt M 2073÷07÷09;do M laxfg l&s 9M00 ah] -8M30 ah] b]lv pkl:ylt v'Nnf /xg]%_:yfg M xf]^n kf]v/f u|f)*, kfbL{, kf]v/f .

========================= ===================z]o/wgLsf] b:tvt -sDkgL ;lrj_

gf]^ M of] k|j]z kq ;efsIfdf k|j]z ubf{ / ;fwf/)f ;ef ;DkGg gx'Gh]n clgjfo{ ?kdf ;fydf /fVg'xf]nf .

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kf]v/f kmfOgfG; lnld6]8POKHARA FINANCE LIMITED

1@)cf}+jflif{s

k|ltj]bg


ljifo;"rL

aL;f}+ jflif{s k|ltj]bg 2072÷073

qm+=;+= ljifox? k[i&

1 aL;f}+ ;fwf/)f ;ef ;DaGwL ;"rgf 2

2 aL;f}+ ;fwf/)f ;ef ;DaGwL hfgsf/L 3

3 ;`rfns ;ldltsf] tkm{af^ cWoIfHo"sf] jflif{s k|ltj]bg 4

4 n]vfk/LIfssf] k|ltj]bg 11

5 jf;nft 12

6 gfkmf gf]S;fg lx;fa 13

7 gfkmf gf]S;fg lx;fa af¤*kmf¤* 14

8 gub k|jfx ljj/)f 15

9 OSjL^Lsf] ljj/)f 16

10 cg';"rLx? 17

11 n]vf gLltx? 41

12 n]vf;¤u ;DalGwt l^Kk)FLx? 44

13 g]kfn /fi^< a}+saf^ lbOPsf lgb]{zgx? 51

14 k|aGwkqdf ;+zf]lwt k|:tfj ;lxtsf] tLg dxn] 53

2 @)cf}+jflif{s

k|ltj]bg


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

o; ljQLo ;+:yfsf] ldlt 2073÷06÷07 ut] a;]sf] ;~rfns ;ldltsf] 419 cf}+ j}&ssf] lg)f{o adf]lhd o; ljQLo ;+:yfsf] la;f}+}+}+ jflif{s ;fwf/)f ;ef lgDg ldlt, ;do / :yfgdf lgDg ljifox? pk/ %nkmn tyf lg)f{o ug{ a:g] ePsf] x'+bf ;a} z]o/wgL dxfg'efjx?nfO{ pkl:yltsf] nflu xflb{s cg'/f]w ub{%' .

;ef x'g] ldlt, ;do / :yfg Mldlt M 2073 sflt{s dlxgf 09 ut] d+unjf/ -tbg';f/ 25 cS^f]j/ 2016_;do M ljxfg 9=00 ah] .:yfg M xf]^n kf]v/f uf)*, kfbL{, kf]v/f .

5nkmnsf ljifox?Ms_ ;fdfGo k|:tfj

1_ cf=j=2072÷073 sf] ;~rfns ;ldltsf] k|ltj]]bg pk/ %nkmn u/L kfl/t ug]{ . 2_ n]vfk/LIfssf] k|ltj]bg ;lxtsf] cf=j=2072÷073 sf] jf;nft, gfkmf gf]S;fg lx;fa / ;f]xL cjlwsf] gub k|jfx ljj/)

f;+u ;DalGwt cg';"rLx? pk/ %nkmn u/L kfl/t ug{] . 3_ ;~rfns ;ldltaf^ k|:tfa u/] adf]lhd r'Qmf k"“hLsf] 13=50% sf b/n] x'g] ?=6 s/f]* 63 nfv 1 xhf/ 92 a/fa/sf]

af]g; z]o/ / 0=71% n] x'g] ?= 34 nfv 89 xhf/ 5 ;o 31 gub nfef+z -af]g; z]o/ s/ k|of]hgsf nflu_ :jLs[t ug]{ .

4_ cf=j=2073÷074 sf] nflu n]vfk/LIfssf] lgo'lQm ug]{ / lghsf] kfl/>lds lgwf{/)f ug]{ .

v_ ljz]if k|:tfa M1_ ;~rfns ;ldltn] k|:tfa u/] adf]lhdsf] r'Qmf k"+hLsf] 13=50% af]g; z]o/ :jLs[t ug]{ tyf pQm af]g; z]o/ hf/L kZrft

k|jGw kqsf] bkmf 5-v_ 5-u_ df ;+zf]wg u/L hf/L tyf r'Qmf k"“hL j[l$ ug]{ .2_ ljQLo ;+:yfsf] cfly{s jif{ 2072÷073 sf] r'Qmf k"+hL 49,11,19200 df 13=50% af]g; z]o/ :jLs[t kZrft x'g] s'n

z]o/ ;+Vof 55,74,202=92 df ;+:yfks tyf ;j{;fwf/)fsf] z]o/ cg'kft 51% / 49% k'¥ofpgsf nflu 9,83,682 lsQf ;fwf/)f z]o/ ;j{;fwf/)fnfO{ gof“ lgisfzg (Further Public Offer) ug]{ / ;f] adf]lhdsf] k"+hL k|jGwkqdf ;+zf]wg ug]{ k|:tfj kfl/t ug]{ .

3_ gof“ lgisfzg (Further Public Offer) kZrft sfod x'g] r'Qmf k"+hLsf] 1M0=15 cg'kftdf xsk|b z]o/ hf/L ug]{ . 4_ ljQLo ;+:yfsf] k|jGwkq tyf lgodfjnL ;+zf]wg ubf{ sDkgL /lhi^«f/sf] sfof{no tyf g]kfn /fi^« a]}+s jf cGo lgodgsf/L

lgsfoaf^ km]/abn ug]{ lgb]{zg ePdf cfjZostf cg';f/ ;f]df yk#^ ug]{ jf ;+zf]wg ug{ ;~rfns ;ldltnfO{ clVtof/L lbg] .

;~rfns ;ldltsf] cf!fn] sDkgL ;lrj

-gf/fo)f k|;fb zdf{_

3@)cf}+jflif{s

k|ltj]bg


aL;f}+ jflif{s ;fwf/0f ;ef ;DaGwL hfgsf/L

1= ljQLo ;+:yfsf] aL;f}+}+ jflif{s k|ltj]bg ;Dk")F{ z]o/wgL dxfg'efjx?nfO{ JolQmut &]ufgfdf k&FOg] % . sf/)fj; pQm k|ltj]bg k|FKt x'g g;s]df ljQLo ;+:yfsf] k|wfg sfof{noaf^ k|FKt ug{ ;Sg'x'g]% .

2= ;ef x'g] lbg ;ef ug{sf nflu tf]lsPsf] ;do eGbf klxn] g} pkl:yt eO{ lbg' x'g cg'/f]w % . ljxfg 8=30 ah] b]lv g} btf{ v'nf ul/g]% . ;ef ;DaGwL cGo hfgsf/Lsf nflu ljQLo ;+:yfsf] k|wfg sfof{nodf ;Dks{ /fVg ;lsg]% .

3= ;efdf pkl:yt x'g] z]o/wgLx?n] k|j]z kq jf z]o/ k|df)fkq / k|ltj]bg k'l:tsf clgjfo{ ?kdf ;fydf lnO{ cfpg'kg]{% .

4= k|ltlgwL lgo'Qm ubf{ z]o/wgL jfx]s cGo JolQmnfO{ k|ltlgwL lgo'Qm ug{ kfOg] %}g .

5= gfafns jf duh lau|]sf] JolQmsf] z]o/jfnfsf] tkm{af^ ;+/Ifs ePsf]n] ;efdf efu lng, dtbfg ug{ jf z]o/jfnfx? dWo] cGo JolQmnfO{ k|ltlgwL d's// ug{ ;Sg]% . t/ ;+/Ifs :jo+ ;~rfns kbdf pDd]bjf/ x'g] / cfkm" ;+/Ifs ePsf] z]o/jfnfsf] afx]s cGo z]o/jfnfx?sf] k|ltlgwL eO{ cfpg kfpg] %}g .

6= ;+ul&t ;+:yf z]o/wgL ePdf To:tf ;+ul&t ;+:yf$f/f v^fOPsf] jf dgf]lgt u/]sf] k|ltlgwL ;efdf efu lng / dtbfg ug{ kfpg]% .

7= ;efdf efu lng / dtbfg ug{sf] nflu k|ltlgwL lgo'Qm ug{ rfxg] z]o/wgLx?n] ;ef x'g] lbgeGbf b'O{ lbg cufj} 2073÷07÷06 ut] lbgsf] 5 ah] leq ljQLo ;+:yfsf] k|wfg sfof{no, Go'/f]*, kf]v/fdf k|ltlgwL kq -k|F]S;L_ btf{ ul/;Sg' kg]{% .

8= k|ltlglw /@ u/L csf]{ z]o/jfnfnfO{ lbg rfx]df klxnf lbPsf] k|ltlglw /@ u/L ldlt 2073÷07÷07 ut] lbgsf] 5 ah] leq ljQLo ;+:yfsf] k|wfg sfof{no Go'/f]*, kf]v/fdf bflvn ul/;Sg'kg]{% . k|ltlglw d's// u/L k&fpg] z]o/wgL :jo+ pkl:yt ePdf lghn] lbPsf] k|ltlglw kq -k|f]S;L_ :jtM ab/ x'g]% .

9= ;fwf/)f ;efsf] sfd sf/jfxL tyf cGo sfo{ljlw, sDkgL P]g 2063, a}+s tyf ljQLo ;+:yf ;DaGwL P]g 2063 / o; ljQLo ;+:yfsf] k|jGwkq, lgodfjnL / ;fwf/)f;ef ;DaGwL lgb]{lzsf 2056 adf]lhd x'g]%g\ .

10= ;fwf/)f ;efsf] k|of]hgsf] nflu sDkgLsf] z]o/ bflvnf vf/]h / gfd;f/L ldlt 2073÷06÷18 ut] b]lv ;fwf/)f ;ef ;DkGg geP;Dd aGb /xg]% . aGb x'g' cufj} sf/f]jf/ ePsf] z]o/ ldlt 2073÷07÷02 ut]leq o; ljQLo ;+:yfsf] z]o/ /lhi^«f/ Pg=cfO{=lj=Pn=Soflk^n dfs]{ \̂;\ lnld^]*, nflhDkf^, sf&df)*F}df bflvn vf/]h Ufl/;Sg'kg]{% .

4 @)cf}+jflif{s

k|ltj]bg


@) cf}+ jflif{s ;fwf/0f ;efdf ;~rfns ;ldltsf] tkm{af6cWoIfHo" dfkm{t\ k|:t't cfly{s jif{ @)&@÷&# sf] jflif{s k|ltj]bg

-sDkgL P]g @)^# sf] bkmf !)( ;+u ;DalGwt_

cfb/0fLo z]o/wgL dxfg'efjx?,

kf]v/f kmfOgfG; lnld6]8sf] @)cf}+ jflif{s ;fwf/0f ;efdf pkl:yt x'g'ePsf ;Dk"0f{ z]o/wgL Pj+ k|ltlglw dxfg'efjx¿nfO{ ;~rfns ;ldltsf] tkm{jf6 Pj+ d]/f] JolQmut tkm{af6 xflb{s :jfut tyf clejfbg ub{5' . o; @) cf}+ aflif{s ;fwf/0f ;efdf ;~rfns ;ldltsf] tkm{jf6 ;+:yfsf] ;du| ljQLo l:ylt, xfl;n u/]sf pknlAw tyf cfufdL sfo{of]hgfsf] af/]df sDkgL P]g, cGo k|rlnt P]g sfg"g tyf g]kfn /fi6« a}+sn] lglb{i6 u/] adf]lhdsf] ljj/0f ;lxtsf] of] k|ltj]bg oxf+x¿ ;dIf k|:t't ug{ kfp+bf xfdLnfO{ uf}/jflGjt t'NofPsf] 5 . cfly{s jif{ @)&@/ @)&# cfiff9 d;fGtsf] jf;nft, gfkmf gf]S;fg lx;fa, gfkmf gf]S;fg af+8kmf+8 lx;fa, gub k|jfx ljj/0f tyf ;f] ;Fu ;DjGwLt cg';"rLx? / n]vfk/LIfssf] k|ltj]bg ;lxtsf] @) cf}+ jflif{s k|ltj]bg k'l:tsf cfb/0fLo z]o/wgL dxfg'efjx? ;dIf k7fO{ ;lsPsf] x'+bf ;f] pk/ oxf+x?jf6 cd'No ;Nnfx Pj+ ;'emfj k|fKt x'g] 5 eGg] ljZjf; lnPsf] 5' .

;fy} sDkgLn] o; jif{df u/]sf] sf/f]jf/ k|ultsf] k|ltkmn:j?k s'n r'Qmf k[\+hL ?= $( s/f]8 !! nfv !( xhf/ @)) sf] !#=%) k|ltztn] x'g] /sd ?=^,^#,)!,)(@/- a/fa/sf] af]g; z]o/ tyf ;f] df nfUg] s/ a/fa/sf] /sd r'Qmf k[\+hLsf] )=&! k|ltztn] x'g] ?= #$,*(,%#!/- gub nfef+zsf] ?kdf u/L s'n r'Qmf k[\+hLsf] !$=@! k|ltzt d'gfkmf ljt/0fsf] nflu g]kfn /fi6« a}+saf6 :jLs[t k|fKt ePsfn] oxf+x?sf] ;d]t xflb{s ;dy{gsf ;fy cg'df]bg / kfl/t x'g]5 eGg] cfzf Pj+ ljZjf; lnPsf] 5' .

!= cfly{s aif{ @)&@÷)&# df ljQLo ;+:yfsf] sf/f]af/sf] ;dLIff

ljQLo ;+:yfsf] k|ult dfkg Pj+ ;+:yf ;~rfngsf] k|d'v cfwf/sf] ?kdf /x]sf k"FhLut, dfgj ;+zfwg, gjLgtd\ ;"rgf k|ljlw tyf ;du| Jofj;flos / Joj:yfksLo Ifdtf lgoldt tj/n] clea[l4 ub}{ x/]s b[li6sf]0fjf6 ;jn, ;'b[9 / ljZjfl;nf] ljQLo ;+:yfsf] ?kdf klxrfg sfod ug{ ;kmn ePsf 5f} . ut jif{sf] ljgfzsf/L e'sDk Pj+ ;Ldfgfsf cj/f]wsf sf/0f s]xL ;f+3'l/Psf] cf}Bf]lus Pj+ Joj;flos l:yltsf sf/0fn] cfly{s aif{ @)&@÷)&# df r'gf}tLsf] ?kdf /x]sf] clws t/ntf / shf{sf] Go"g dfunfO{ s'zn Joj:yfkg u/L ;+:yfn] g]= /f= a}+ssf] lgodg / kl/lwleq /xL nufgLnfO{ lj:tfl/t ub}{ ;Gtf]ifhgs sf/f]jf/ j[l¢ ug{ ;s]sf]df oxf+x? ;dIf v'zL af+8\g rfxG5' .

o; ljQLo ;+:yfn] ljut tyf o; cfly{s jif{df u/]sf] sf/f]jf/sf] t'ngfTds ljQLo cf+s8fx? lgDg adf]lhd k|:t't u/]sf] 5' .

;+:yfsf] k|d[\v ljQLo ;[\rsf+s

qm+=;++ ljj/0f cf=j= @)&!÷)&@ cf=j= @)&@÷)&# kl/jt{g k|ltzt

!= r'Qmf k"+hL ##,)&,@),)))÷- $(,!!,!(,@))÷- $*=%)%

@= ;fwf/0f hu]8f sf]if !),*@,#!,%(@÷- !@,&^,!#,@$#÷- !&=(!%#= cljtl/t ;+lrt gfkmf !),&#,*!&÷- !),!@,@)%÷- -%=&#%_ d'gfkmf ljt/0fkl5

$= s'n lgIf]k @,&!,%^,&@,!@$÷- #,)$,%%,@),&!@÷- !@=!% %%= s'n shf{ @,#),#&,@#,^^^÷- @,^$,$@,#&)$@÷- !$=&*%

^= nufgL !),(@,)%,%#)÷- !$,)*,%),&*)÷- @*=(*%&= gf]S;fgL Joj:yf cl3sf] d'gfkmf !#,&),$%,@%&÷- !@,!#,#),^*!÷- -!!=$&%_*= s/ tyf jf]g; cl3sf] v'b d'gfkmf @$,&$,!&,$!&÷- !#,*!,^!,*()÷- -$$=!^%_(= shf{ gf]S;fgL Joj:yf &,$*,*(,!&)÷- &,#$,&!,%&*÷- -!=*(%_!)= v'b d'gfkmf !%,^#,#(,!^%÷- *,*),@!,@(*÷- -$#=&)%_!!= k"+hL kof{Kttf -k|ltzt_ @)=&*%, @@=^^%, (=)%%

5@)cf}+jflif{s

k|ltj]bg


dflysf] tflnsfdf ljQLo ;+:yfn] pNn]lvt cfly{s jif{x?df xfl;n u/]sf k|d'v ljj/0fx? k|:t't ul/Psf] 5 . ljQLo ;+:yfsf] lgIf]k ;+sng tyf shf{ nufgLdf ut jif{sf] t'ngfdf qmdzM !@=!%% tyf !$=&*% n] ;Gt'lnt ?kdf j[l4 ePsf] 5 . lgIf]k tyf shf{ nufgLdf clws k|lt:kwf{ eO{ kof{Kt nufgL jftfj/0fdf sdL ePtf klg ;+:yfn] g]kfn /fi6« a}+saf6 hf/L ul/Psf] ljsf; j08x? (Development Bonds), 6]«h/L ljn, ;[\rLs[t sDkgLsf ;]o/ Pj+ Mutual Fund cflb ;d]tdf nufgL lj:tf/ u/L o;tkm{ yk ljljwtf ckgfPsf] 5 eg] qmlds ?kdf u'0f:t/Lo shf{ nufgLdf ;Gtf]ifhgs k|ult ug{ ;kmn ePsf] 5, h;nfO{ cfb/0fLo z]o/wgL dxfg'efjx?n] ;sf/fTds ?kdf lng'x'g]5 eGg]df xfdL ljZj:t /x]sf] Joxf]/f lgj]bg ub{5' .

@= /fli6«o tyf cGt/f{li6«o kl/l:yltaf6 ljQLo ;+:yfsf] sf/f]jf/nfO{ k/]sf] c;/ M

cfly{s jif{ @)&!/&@ sf] ljgfzsf/L e'sDk, t/n /fhg}lts cj:yf, l/on O:6]6 If]qdf sfod} /x]sf] dGbL, ljB't cfk[\lt{df sdL / pBdLx?df kv{ / x]/sf] l:ylt /xL d'n'sdf ;+slnt k[\+hLsf] k[\0f{ pkof]u gePsfn] a}+s, ljQLo ;+:yfx? clws t/ntfsf] af]emaf6 u'h|g' kg]{ l:ylt cfO{ s]Gb|Lo a}+saf6 ;d]t k6s k6s t/ntf k|zf]rg ug'{kg]{ cj:yf sfod} /xg k'Uof] . l5d]sL d'n'sx? rLg tyf ef/ttkm{sf] Jofkf/ 3f6f ;bfem}+ ;dLIff jif{df klg sfod} /x]sf] / g]kfn /fi6« a}+s cg';f/ cfly{s jif{ @)&@÷&# df lgof{ttkm{ s'n @)=# k|ltztn] x|f; cfPsf] / ut cjlwsf] t'ngfdf o; cjlwdf ef/t;+u #!=* Pj+ rLg;+u #)=$ k|ltztn] lgof{tdf lu/fj6 cfPsf] / cGo d'n'sx?;+u eg] $=( k|ltztn] lgof{t j[l¢sf] cj:yf /x]sf] kfO{Psf] 5 tyf s'n a:t' cfofttkm{ eg] )=( k|ltztn] 36]sf] b]lvPsf] 5 h;df a:t' cfoftdf rLgtkm{ !@=$ k|ltztsf] a9f]Q/L /x]sf] / ef/t Pj+ cGo d'n'stkm{ qmdzM #=* / )=$ k|ltztn] 36]sf] cj:yf /x]sf] kfO{Psf] 5 . ljgfzsf/L e'sDk kl5sf] k'glg{df{0fdf ;':ttf, ;Ldfgfsf cj/f]w Pj+ pko'Qm dg;'gL jiff{ cefj ;d]tsf sf/0fn] cGt/f{li6«o d'b|f sf]if cg';f/ d'n'ssf] cfly{s j[lWb b/ k|If]lkt @ af6 )=% k|ltzt dfq /xg] cf+sng u/]sf] 5 eg]] Plzog 8]enkd]06 a}+s cg';f/ z'? k|If]k0f ul/Psf] sl/j # k|ltztdf sdL cfO{ !=%) k|ltzt dfqsf] lrq0f ul/Psf] 5 oBlk ljZj a}+ssf] kl5Nnf] k|ltj]bg cg';f/ lgsf;Ldf cfPsf] sdLsf sf/0fn] ljsl;t cy{tGq ePsf d'n'sx?sf] ;d]t ck]Iff ul/PeGbf sd jf s'n j[lWbb/ !=& k|ltzt dfqsf] a9f]Q/L /xg] k|If]k0f ul/Psf] 5 .

;dLIff cjlwdf cGt/f{li6«o cfly{s kl/b[iodf o[\/f]k]nL cy{tGqdf qmlds ;'wf/ b]lvPtf klg a]nfot European Union

df g/xg] jf BREXIT sf] kIfdf a]nfotL hgdtsf sf/0fn] a]nfot / afsL o[ \/f]ksf jLr s]xL cfGtl/s tgfj b]lvPsfn] kfp08sf] t'ngfdf cd]l/sL 8n/ yk dhj't x'g k'u] eg] k]6«f]lnod a:t'sf lgof{tstf{ dWok[\jL{ /fi6«x?, l;l/of, O/fssf] u[xo'Wb / hf]8{gdf ;LdfIf]qsf] tgfj / lju|+bf] /fhg}lts cj:yf Pj+ o[\/f]lkog d'n'sx? km|fG;, hd{gL, :jL8]g, x+u]/L, lkmgNof08, O6fnL, j]lNhod ;d]tdf cfk|jf;Lsf] clws rfk d'Vo ?kdf rrf{sf ljifo /xg uP . ;fy;fy}, cGt/f{li6 «o ahf/df sRrf t]nsf] d[\Nodf cfPsf] lu/fj6n] ;fpbL c/j, ax/fOg, cf]dg, stf/ nufotsf d'n's ;d]t clws k|efljt aGg k'u], kmntM sfdbf/sf] dfudf ;d]t sdL cfO{ ck]lIft ?kdf ljk|]if0f cfodf j[lWb x'g ;s]g / ut jif{df h:t} k]6«f]lnod kbfy{df art b]lvPtf klg kl/jtL{o ljb]zL d'b|f clwd[\Nogsf sf/0f t]>f] b]zx?af6 cfofltt sRrf kbfy{, cf}iflw, nQfsk8f, vfBfGg, ;jf/L ;fwg Pj+ cGo ljnf;Ltfsf ;fdfu|Lx?sf] vl/b dx+uf] eO{ o;tkm{ yk ljb]zL d'b|f vr{g'{ kg]{ l:ylt sfod} /xg uof] .

o:t}, ;dLIff cjlwdf ;d]t ;+ljwfg lgdf{0fkZrft\ klg b]lvPsf] /fhg}lts ult/f]wsf] l:ylt, sdhf]/ nufgLd}qL jftfj/0f / ljs]Gb|Lt ljsf; jh]6sf] pkof]lutfdf ;':ttfsf] sf/0fn] t/ntfsf] ;d'lrt ;b'kof]u gePaf6 s]Gb|Lo a}+såf/f k6s k6s t/ntf k|zf]rg ug'{kg]{ cj:yf /xg uof] . a}+s, ljQLo ;+:yfdf /x]sf] t/ntf s]xL xb;Dd nfutd[\vL aGg uof] h;af6 :t/Lo shf{ nufgLdf yk k|ltikwf{ tyf Jofhb/ kl/jt{gdf lgoldt bafa >[hgf x'g uO{ o; jif{ ;d]t shf{ nufgL / Jofh cfodf s]xL c;/ kg{ uPsf] l:ylt o; ;Ddflgt ;ef ;dIf cjut u/fpg rfxG5' .

tyflk, ljljw kl/l:yltsf afah[\b o; ljQLo ;+:yfn] ;du|df lgIf]k, shf{ tyf cGo nufgL, c;'nL tyf d'gfkmftkm{ u/]sf] k|ult ;Gtf]ifhgs /x]sf] 5 / cfufdL lbgdf sf/f]jf/ bfo/f / ;'b[9 d'gfkmfl:yltsf] nflu o;tkm{ cem a9L lqmofzLn eO{ sfo{ ul/g] Joxf]/f lgj]bg ug{ rfxG5' .

6 @)cf}+jflif{s

k|ltj]bg


#= @)&# cfiff9 d;fGt;Ddsf] pknlJw / eljiodf ug'{kg]{ sfo{ ;DaGwdf ;~rfns ;ldltsf] wf/0ff M

ljj/0f cf=j= @)&!÷)&@ cf=j= @)&@÷)&#

s'n lgIf]k @,&!,%^,&@,!@$÷- #,)$,%%,@),&!@÷-

s'n shf{ @,#),#&,@#,^^^÷- @,^$,$@,#&,)$@÷-

;~rfng d'gfkmf !#,&),$%,@%&÷- !@,)#,%$,*@@÷-

shf{ gf]S;fgL Joj:yf &,$*,*(,!&)÷- &,#$,&!,%&*÷-

v'b d'gfkmf !%,^#,#(,!^%÷- *,*),@!,@(*÷-

;dLIff cjlwdf o; ljQLo ;+:yfsf] d'Vo Joj;fo cGtu{t lgIf]k tyf shf{ b'j} tkm{sf] j[l4 ;Gt'lnt /x]sf] 5 . ljQLo

;+:yfsf] cf=j= @)&!÷)&@ df u}x| a}+lsª ;DklQsf] ljqmLsf sf/0fn] clu|d shf{ gf]S;fgL Joj:yfaf6 Write-Back

ePsfn] tTsflng ;dodf v'b d'gfkmftkm{ sf/0fjzM clws j[lWb b]lvPtf klg cf=j= @)&@/&# df ;d]t ljQLo ;+:yfn]

sf/f]jf/ j[lWbaf6 oyf]lrt d'gfkmf xf+l;n ug{ ;Ifd ePsf] 5 . ljQLo ;+:yfsf] kf]v/f (, Go[\/f]8sf] ejgdf k|wfg sfof{no

;~rfng, kf]v/f (, gof+ahf/sf] 3/hUufdf n3'ljQ zfvfsf] :yfgfGt/0f / ;~rfng, cfw'lgs a}+ls+u ;km\6jo/sf] k|of]u,

ATM, SMS Banking, Locker, #^% lbg] a}+lsª ;]jfx? Pj+ /Ltn] ;'rf? x'g'sf] cnfjf sf:sL, ;Nofg (, gof+k'ndf ATM

;'ljwf ;lxtsf] gof+ zfvf ;~rfng, tgx[\+ 8'd|] ahf/df gof+ zfvfsf] ;~rfngsf] ;fy} sf:sL, kf]v/f !$, s'+8x/ nufot

yk tLg j6f zfvfx? cfjZos :ynut cWoogkZrft\ g]kfn /fi6« a}+ssf] :jLs[ltdf :yfkgf Pj+ ;~rfng u/L a9L ;]

a9L u|fxsju{ dfem ljQLo ;]jf pknJw u/fpg] of]hgf /x]sf] lgj]bg ub{5' .

$= cf}Bf]lus Pj+ Joj;flos ;DaGw M

ljQLo ;+:yfn] cfkm\gf] Joj;flos ;DjGw / bfo/fnfO{ ;bfem}+ r':t / km/flsnf] agfO{/fVg ;+:yfsf] k|ult;+u ;/f]sf/

/fVg] ljleGg ;+3,;+:yf cf}Bf]lus, Joj;flos k|lti7fgx?;+u lgoldt ?kdf ;'dw'/ ;DjGw :yflkt u/L ;f] ;DjGwnfO{

clej[lWb ub}{ nu]sf] / cfufdL lbgx?df ;d]t o; sfo{nfO{ lg/Gt/tf lbOg] of]hgf /x]sf] 5 . ;+:yfn] g]kfn ljQ sDkgL

;+3, lwtf]kq jf]8{, sDkgL /lhi6«f/sf] sfof{no, Nepal Clearing House Ltd, /]ld6]G; Ph]G;Lx? tyf cGo ;]jf k|bfos

;+:yfx? (SCT Network, Mercantile) tyf cfGtl/s / afx\o n]vfk/LIfsx?;+u lgoldt ;DjGwsf ;fy} cfkm\gf

u|fxsju{;+u ;'dw'/ ;DjGwsf] ljsf; Pj+ cGo ;/f]sf/jfnfx?;+u lgoldt ;xsfo{ u/L lgodg lgsfox?sf ;'emfj,

lgb]{zgsf] ;bf pRr ;Ddfg ub}{ cfkm\gf] Joj;flos ;DaGw yk dhj't / j[l4 ug{ ;kmn /x]sf] 5 .

%= ;~rfns ;ldltdf ePsf] x]/km]/ / ;f] sf] sf/0f M

cfly{s aif{ @)&@/)&# df ;~rfns ;ldltdf s'g} x]/km]/ ePsf] 5}g .

^= sf/f]jf/nfO{ c;/ kfg]{ d"Vo s'/fx? M

d'n'sdf ;+ljwfg hf/L ePkZrft\ klg sfod} /x]sf] /fhg}lts cl:y/tf, ;Lldt nufgLsf cj;/, shf{sf] Jofhb/

Joj:yfkg / t/ntfsf] ptf/ r9fjsf] l:yltaf6 ljut jif{df h:t} ;dLIff jif{df ;d]t sf/f]jf/ ultdf s]xL c;/ k/]sf]

ljlbt} 5 . o;sf ;fy} 3/hUuf sf/f]jf/df nufgL ;Ldf, crfgs 36j9 x'g] z]o/ ahf/, kl/jtL{o ljb]zL d'b|fx?;+u

ePsf] g]kfnL d'b|fsf] qmlds cjd[\Nog Pj+ o;af6 cfoftLt ;fdfu|Ldf a9\g uPsf] nfut tyf nufgLd}qL jftfj/0fsf]

cefjdf pTkfbg Pj+ lgof{td[\vL pBf]u, Joj;fotkm{sf] ;~rfngdf sdL x'g uO{ ljQLo If]qdf pknJw t/ntfsf] oyf]lrt

pkof]u x'g ;s]g . oBlk, cfufdL lbgx?df /fhg}lts tyf cfly{s jftfj/0f qmlds ?kn] ;'wf/ x'+b} hfg] ck]Iffsf ;fy

7@)cf}+jflif{s

k|ltj]bg


;+:yfn] cfkm\gf] sf/f]jf/nfO{ cem a9L ultzLn / k|ltikwL{ agfp+b} d'gfkmfsf ;[\rsx?nfO{ yk ;an agfO{/fVg ljz]if

?kn] lqmofzLn /xg] Joxf]/f lgj]bg ug{ rfxG5' .

&= n]vfk/LIf0f k|ltj]bg pk/ ;~rfns ;ldltsf] k|ltlqmof M

cfly{s jif{ @)&@÷)&# sf] n]vfk/LIfsn] k|:t't ug'{ePsf] jflif{s lx;fj lstfj, jf;nft, gfkmfgf]S;fg lx;fj, ;f] sf]

af+8kmf+8 tyf gub k|jfx ljj/0fx? ;d]tsf] n]vfk/LIf0f k|ltj]bgdfly ;~rfns ;ldltsf] j}7sdf uxg 5nkmn eO{ ;f]

sf] ;'emfjx? Joj:yfkg / ;ldltaf6 sfof{Gjog eO{/x]sf] Joxf]/f oxf+x?df hfgsf/L u/fp+b5' .

*= nfef+z af+8kmf+8 ug{ l;kmfl/; ul/Psf] /sd M

o; ljQLo ;+:yfsf] ;dLIff jif{sf] s'n r'Qmf k[\+hL ?= $( s/f]8 !! nfv !( xhf/ @)) sf] !#=%) k|ltztn] x'g] ?= ^

s/f]8 ^# nfv ! xhf/ (@ a/fa/sf] af]g; z]o/ tyf ;f] df nfUg] s/ ?= #$ nfv *( xhf/ %#! a/fa/sf] /sd nfef+z

af+8kmf+8sf] nflu oxf+x?;dIf l;kmfl/; ub{5' .

(= hkmt ul/Psf] z]o/ ;+Vof M

ljQLo ;+:yfn] cf=j= @)&@÷)&# df s'g} z]o/ hkmt u/]sf] 5}g .

!)= ljut cfly{s jif{df ljQLo ;+:yfsf] sf/f]jf/sf] k|ult / k'g/fjnf]sg M

o; ljQLo ;+:yfn] u/]sf] sf/f]jf/ k|ult o; k|ltj]bgsf] ljleGg zLif{sx?df k|:t't ul/Psf] 5 .

!!= ljQLo ;+:yfn] cfly{s jif{df ;DkGg u/]sf] k|d"v sf/f]jf/x? / sf/f]jf/df cfPsf] s'g} dxTjk"0f{ kl/jt{g M

pNn]Vo g/x]sf] .

!@= ljut cfly{s jif{df ljQLo ;+:yfsf] cfwf/e"t z]o/wgLx?n] ljQLo ;+:yfnfO{ pknJw u/fPsf] hfgsf/L .

s]xL gePsf] .

!#= ljut cfly{s jif{df ljQLo ;+:yfsf] ;~rfns tyf kbflwsf/Lx?n] lnPsf] z]o/sf] :jfldTj ljj/0f M

s]xL gePsf] .

!$= ljut cfly{s jif{df ljQLo ;+:yf;+u ;DalGwt ;Demf}tfx?df s'g} ;~rfns tyf lghsf] glhssf] gft]bf/sf] JolQmut :jfy{

;DaGwL hfgsf/L M

s]xL gePsf] .

!%= ljQLo ;+:yfn] cfkm\gf] z]o/ cfkm}n] vl/b u/]sf] M

5}g .

!^= cfGtl/s lgoGq0f k|0ffnLsf] ljj/0f M

ljQLo ;+:yfn] s]Gb|Lo a}+ssf] PsLs[t lgb]{zgsf] cwLgdf /xL cfGtl/s lgoGq0f k|0ffnL ;an agfO{ /fVgsf] nflu ;du|

sf/f]jf/l:yltsf] cfGtl/s n]vfk/LIf0f ;DjGwL sfo{ cfjlws ?kdf ;Dkfbg ug]{ x]t'n] lgoldt ?kdf rf6{8{ Psfp06]06;\

;+nUg n]vfk/LIfs kmd{sf] Joj:yf ul/Psf] 5 . o;sf ;fy} lgb]{lzsfdf Joj:yf eP adf]lhd Ps hgf ;~rfnssf]

8 @)cf}+jflif{s

k|ltj]bg


;+of]hsTjdf n]vfk/LIf0f ;ldlt /x]sf] 5 h;n] cfjlws ?kdf a}7s a;L ljQLo ;+:yfsf] ljQLo cj:yf, cfGtl/s

lgoGq0f, n]vfk/LIf0fsf] sfo{qmd agfpg] / ;dLIff ug]{ tyf k'g/fjnf]sg u/L Joj:yfkgnfO{ cfjZos lgb]{zg lbg] u/]sf]

5 .

To:t}, hf]lvd Go'gLs/0fsf] nflu ;+:yfsf ;~rfns n]= >L ch'{g s'df/ u'?ªsf] ;+of]hsTjdf ;~rfns >L ;'Gb/

u'?ª tyf sd{rf/Lx? >L /fh' df]xg e§/fO{ / o'j/fh af]xf]/f ;d]tsf] hf]lvd Joj:yfkg ;ldlt u7g ul/Psf] 5 eg]

sd{rf/Lx?sf] ;]jf ;'ljwfnfO{ ;dofg's'n ug]{ ;DjGwdf ;~rfns d]= >L k|]d axfb'/ yfkfsf] ;+of]hsTjdf sd{rf/Lx?

>L a'l¢nIdL u'?ª / gLt' u'?ª ;d]t /x]sf] sd{rf/L ;]jf ;'ljwf ;ldlt lqmofzLn /x]sf] 5 . cfGtl/s ?kdf cGo b}lgs

sf/f]jf/df kf/blz{tf, ldtJolotf Pj+ gLlt;ª\ut t'Nofpgsf] nflu shf{ nufgL ;ldlt, cfly{s lgb]{zg ;ldlt, vl/b

;ldlt, shf{ c;'nL ;ldlt Pj+ nufgL ;ldlt klg plQs} ;lqmo /x]sf] Joxf]/f lgj]bg ub{5' .

!&= ljut cfly{s jif{sf] s'n Joj:yfkg vr{sf] ljj/0fM

ljj/0f cf=j= @)&!÷)&@ cf=j= @)&@÷)&#

sd{rf/L vr{ !,&),)$,%%$÷- 2,29,81,607÷-

sfof{no ;~rfng vr{ !,&@,&),@(@÷- @,@$,^&,)$(÷-

s'n Joj:yfkg vr{ #,$@,&$,*$^÷- $,%$,$*,^%^÷-

!*= n]vfk/LIf0f ;ldltsf ;b:ox?sf] gfd, eQf tyf ;'ljwf / sfd sf/jfxLsf] ljj/0f M

o; ljQLo ;+:yfsf ;~rfns >L ;'Gb/ u'?ªsf] ;+of]hsTjdf ul7t tLg ;b:oLo n]vfk/LIf0f ;ldltdf ;~rfns 8f= >L

bLk]Gb| s'df/ uf}td tyf sd{rf/L >L gLt' u'?ª ;b:o /xg' ePsf] 5 .

;ldltn] lgoldt ?kdf ;+:yfsf] cfGtl/s lgoGq0f k|0ffnL, ljQLo l:yltsf] n]vfhf]vfsf] cnfjf n]vfk/LIfs tyf lgodg

lgsfoaf6 lg/LIf0f Pj+ ;'kl/j]If0fsf bf}/fg cf}+NofO{Psf s}lkmot tyf lgb]{zg, ;'emfjx?sf] ;dLIff u/L Joj:yfkgnfO{ ;'wf/sf]

nflu lgb]{zg lbg] sfo{ ul//x]sf] 5 . ljQLo ;+:yfn] n]vfk/LIf0f ;ldltsf] ;b:ox? -sd{rf/L afx]s_ nfO{ k|bfg u/]sf] j}7s

eQf ;~rfns ;ldltsf ;~rfnsx?n] kfpg] j}7s eQf a/fa/ k|bfg ul/Psf] 5 . n]vfk/LIf0f ;ldltsf] j}7s ;dLIff jif{df

hDdf ^ k6s a;]sf] 5 .

!(= ;~rfns, k|jGw ;~rfns, sfo{sf/L k|d'v, sDkgLsf cfwf/e"t z]o/wgL jf lghsf] glhssf gft]bf/n] ljQLo ;+:yfnfO{

a'emfpg afsL ePsf] /sd M

To:tf] /sd gePsf] .

@)= ;~rfns, k|jGw ;~rfns tyf kbflwsf/Lx?nfO{ e'QmfgL ul/Psf] kfl/>lds, eQf tyf ;'ljwfsf] /sd M

cf=j= @)&@÷)&# df ;~rfns ;ldltsf] j}7s hDdf !% k6s a;]sf] 5 . ;~rfns ;ldltsf cWoIfnfO{ k|lt j}7s

?= %,%))÷- -s/ ;d]t_ / cGo ;~rfnsnfO{ k|lt j}7s ?= %,)))÷- -s/ ;d]t_ u/L k|:t't cfly{s jif{el/df s'n

?= $,&#,@%)÷- k|bfg ul/Psf] 5 eg] n]vfk/LIf0f ;ldlt tyf hf]lvd Joj:yfkg ;ldltsf ;b:ox?nfO{ j}7s eQf

jfkt ?= !,)),)))÷- k|bfg ul/Psf] 5 . ;~rfnsx?nfO{ j}7s eQf jfx]s cGo s'g} ;'ljwf k|bfg ul/Psf] 5}g . k|d"v

sfo{sf/L clws[tnfO{ tnj, eQf tyf ;'ljwf u/L hDdf ?= #$,&(,@(*÷^# k|bfg ul/Psf] 5 eg] cGo Joj:yfkg kbsf

sd{rf/Lx?nfO{ ?= $^,#$,@(#÷$( k|bfg ul/Psf] 5 .

@!= z]o/wgLx?n] a'lemlng afsL /x]sf] nfef+zsf] /sd M

9@)cf}+jflif{s

k|ltj]bg


@)&# cfiff9 d;fGt;Ddsf] e'QmfgL ug{ afsL /x]sf] nfef+z /sd ?= #!,%&,*#*÷!% /x]sf] 5 .

@@= bkmf !$! adf]lhd ;DklQ vl/b jf laqmL u/]sf] s'/fsf] ljj/0f M

o; cfly{s jif{df To:tf] g/x]sf] .

@#= bkmf !&% adf]lhd ;Da4 sDkgLaLr ePsf] sf/f]jf/sf] ljj/0f M

o; ljQLo ;+:yfsf] s'g}klg ljQLo ;+:yf jf sDkgL;+u To:tf] sf/f]jf/ s]xL gePsf] .

@$= o; P]g tyf k|rlnt sfg"g adf]lhd ;~rfns ;ldltsf] k|ltj]bgdf v'nfpg'kg]{ cGo s'g} s'/fsf] ljj/0f M

o;} k|ltj]bgsf] ljleGg bkmfx?df v'nfOPsf] 5 .

@%= cGo cfjZos s'/fx? M

s= /fh:jdf of]ubfg M

o; ljQLo ;+:yfn] g]kfn ;/sf/nfO{ o; cf=j= @)&@÷)&# df ljleGg s/x? jfkt ?= %,&%,#&,$%$÷#( 7[\nf

s/bftf, cfGtl/s /fh:j sfof{no, nlntk'/df bflvnf ug{ ;kmn ePsf] 5 .

v= dfgj ;+zfwg tyf sfof{no Joj:yfkg

o; ljQLo ;+:yfn] ;bfem} cfkm\gf sd{rf/Lx?nfO{ ;dofg's'n cBfjlws, k|ltof]uL / clek|]l/t agfO{/fVg pgLx?nfO{

;do ;fk]If cfGtl/s tyf afx\o tfnLd, ;]dLgf/, uf]i7L cflbdf ;xefuL u/fp+b} cfpg'sf] cnfjf u|fxs;]jfsf]

;xhtf Pj+ pkof]uL sfo{:ynnfO{ Wofgdf /fvL sfof{nosf] Joj:yfkg ub}{ cfPsf] 5 . dfgj ;++zfwgsf] ljsf;af6

;+:yfsf] sfo{ k|0ffnLdf 7f]; ;xof]u k'Ug'sf] cnfjf pgLx? dfkm{t\ ;+:yfdf gjLg ;f]r, sfo{sf}zn tyf pT;fx ;d]t

k|lji6 x'g] x'+bf o;tkm{ ;~rfns ;ldlt ;b}j ;r]t /x]sf] Joxf]/f cg'/f]w ub{5' .

u= ;+:yfut ljsf;

ljQLo ;+:yfn] ;bfem}+ sf/f]jf/;+Uf ;DalGwt gLlt lgod, ljlw / lgb]{zgx?sf] ;do ;fk]If kl/dfh{g tyf o;sf]

cIf/zM kfngf ub}{ ;[\rgf k|ljlwdf ;d]t ;dofg's'n ljsf; u/L sfof{Gjog ub}{ cfO/x]sf] 5 . nufgL gLlt, n]vf

gLlt, ;[\rgf k|ljlw gLlt (IT Policy), cfly{s k|zf;g ljlgodfjnL, sd{rf/L ;]jf zt{ / ;'ljwf ;DaGwL gLlt,

sd{rf/L ljlgodfjnL, shf{ nufgL gLlt ;dofg's'n kl/is[t / kl/dfh{g ub}{ ;+:yfsf] b}lgs ljQLo sf/f]jf/x?nfO{

ljsl;t Pj+ ;'/lIft ub}{ nluPsf] 5 . ;+:yfsf] Banking Software ;doleq} Upgrade ul/g'sf ;fy} o;sf ;a}

zfvfx?df Optical Fiber Connectivity /x]sf] / Disastar Recovery System cGtu{t Core Banking Software sf]

8f6f Real Time df Replication x'g] Joj:yf ;d]t ldnfO{ ;lsPsf] 5 .

o;sf] cnfjf ljQLo ;+:yfsf sd{rf/Lx?sf] b}lgs sfo{x?nfO{ k|ljlwpGd'v tyf :t/Lo agfpgsf] lgldQ cfkm\g}

Intranet Platform /x]sf] 5, h;df sd{rf/Lx?sf] dfq kx'+r /xg] / o;af6 cfGtl/s ;"rgf k|0ffnL yk ;xh x'g'sf

;fy} ;dosf] art / u'0ffTdstfdf clea[l4 ePsf] 5 . ;+:yf cfkm\gf u|fxsx?sf] ;"rgf >f]t / tYof+s k|0ffnLsf]

;'/Iffk|lt x/bd ;+j]bgzLn /x]sf] Joxf]/f oxf+x? ;dIf k'gM lgj]bg ug{ rfxG5' .

3= dh{/ ;DaGwL k|:tfj ;DaGwdf

hf]lvdsf] dfqf tyf ;~rfng nfutdf j[l4, clws k|ltikwf{ Pj+ k[\+hL j[lWb ug'{kg]{ lgb]{zg Joj:yf ;d]t /x]sf] sf/0fn] a}+s, ljQLo ;+:yfx?df dh{/tkm{ qmlds ?kn] nufj j9]sf] b]lvG5 . alnof] k[\+hL cfwf/ /x]df nufgL Ifdtf

10 @)cf}+jflif{s

k|ltj]bg


Pj+ hf]lvd jxg Ifdtfdf :jtM j[l4 x'g] sf/0fn] dh{/ ljifonfO{ ljz]if k|fyldstf /flv+b} cfPsf] 5, oBlk ;+:yfn]

lgodg lgsfoaf6 tf]lsPsf] k[\+hL kof{Kttf ;bfem}+ sfod ug{ ;kmn /x]sf] 5 / k[\+hL j[l4nfO{ ljsl;t ub}{ nlug]

of]hgf :ki6 /x]sf] 5 . ;fy;fy}, /fd|f] ;'zf;g Pj+ ;DklQsf] u'0f:t/, d'gfkmfdf ;~rflnt tyf zfvf ;~hfn lj:tf/

ug{ ;xof]u k'Ug] pko'Qm s'g} a}+s tyf ljQLo ;+:yfx?;+u dh{ -ufEg]÷ufleg]_ sf] nflu ;d]t k|of;/t /x]sf] Joxf]/f

hfgsf/L u/fp+b5f}+ .

cfb/0fLo z]o/wgL dxfg'efjx?,

o; ljQLo ;+:yfnfO{ a}+lsª If]qsf ljljw a:t'l:ylt Pj+ ;[\rgfk|lt ;bfem}+ rgfvf] /fvL ;+:yfnfO{ cem a9L Joj;flos,

kf/bzL{, hjfkmb]xLk[\0f{ / alnof] ;+:yfut ;'zf;g cGtu{t ;~rfng ug{ o; ljQLo ;+:yfsf] ;~rfns ;ldlt ;b}j b[9

;+slNkt /x]sf] Joxf]/f k'gM cjut u/fpg rfxG5' .

s[t1tf 1fkg

cGtdf, o; ljQLo ;+:yfnfO{ cljlR5Gg ?kdf ;fy lbg] u|fxsju{, ;d:t z]o/wgL dxfg'efjx?, z'e]R5'sju{ tyf lgodgsf/L

lgsfo g]kfn /fi6« a}+s, g]kfn lwtf]kq af]8{, g]kfn :6s PS:r]Gh lnld6]8, sDkgL /lhi6«f/sf] sfof{no, shf{ ;"rgf s]Gb| /

cGo ;/sf/L lgsfox?nfO{ ;~rfns ;ldltsf] tkm{af6 xfl{b{s wGojfb 1fkg ub{5' . ;fy} ;+:yfsf] sf/f]jf/ clej[l4df cys

k|of;/t ;Dk[\0f{ sd{rf/Lx?sf] kl/>dsf] sb/ ub}{ ljz]if wGojfb lbg rfxG5' . cfufdL lbgx?df klg ;a} kIfx?af6 ;bf

;xof]u / ;b\efj k|fKt x'g]5 eGg] alnof] ljZjf; lnPsf] 5' .

wGojfb .

e'jgl;+ u'?ª cWoIf ;~rfns ;ldltsf] tkm{af6

11@)cf}+jflif{s

k|ltj]bg


12 @)cf}+jflif{s

k|ltj]bg


jf;nft2073 ;fn cfiff( d;fGt

k"“hL tyf bfloTj cg';"rL o; jif{ ¿= ut jif{ ¿=1= z]o/ k"“hL 4=1 557,420,292 491,119,200 2= hu]*f tyf sf]ifx? 4=2 127,613,243 109,382,567 3= C)fkq tyf aG* 4+=3 – –4= ltg{ af“sL shf{{ ;fk^ 4=4 – –5= lgIf]k bfloTj 4=5 3,045,520,712 2,715,672,124 6= e'QmfgL lbg'kg]{ ljnx? 4=6 – –7= k|:tfljt gub nfef+z 3,489,531 8,442,063 8= cfos/ bfloTj – –9= cGo bfloTj 4=7 70,928,418 73,446,628

s'n k"“hL tyf bfloTj 3,804,972,196 3,398,062,583

;DklQ cg';"rL o; jif{ ¿= ut jif{ ¿=1= gub df}Hbft 4=8 27,027,720 13,350,016 2= g]kfn /fi^« a}+sdf /x]sf] df}Hbft 4=9 65,685,385 45,720,187 3= a}+s÷ljQLo ;+:yfdf /x]sf] df}Hbft 4=10 221,000 216,000 4= dfu tyf cNk ;"rgfdf k|fKt x'g] /sd 4=11 814,725,335 822,336,062 5= nufgL 4=12 140,850,780 109,205,530 6= shf{ ;fk^ tyf ljn v/Lb 4=13 2,570,765,464 2,228,834,496 7= l:y/ ;DklQ 4=14 147,184,843 138,496,930 8= u}/ a}lsª ;DklQ 4=15 – –9= cGo ;DklQ 4=16 38,511,668 39,903,267

s'n ;DklQ 3,804,972,196 3,398,062,583

;+efljt bfloTj cg';"rL 4=17;~rfnsx?sf] #f]if)ff cg';"rL 4=29k"“hLsf]if tflnsf cg';"rL 4=30hf]lvd efl/t ;DklQ ljj/)f tflnsf cg';"rL 4=30 -s_k|d'v ;'rsf°x? cg';"rL 4=31k|d'v n]vf gLltx? cg';"rL 4=32n]vf ;DaGwL l^Kk)fLx? cg';"rL 4=334=1 b]lv 4=17 ;Ddsf cg';"rLx? jf;nftsf cleGg c+u x'g\ .

xfd|f] cfhsf] ldltdf ;+nUg k|ltj]bgsf] cfwf/df

a'l4nIdL u'?ª /fhs'df/ u'?ª e'jgl;+ u'?ª l;=P= ;Gtf]if nD;fn n]vf k|aGws k|d'v sfo{sf/L clws[t cWoIf n]vfk/LIfs P;=Pn= P08 P;f]l;P6;\ rf6{8{ PsfpG6]G6;\

;'Gb/ u'?ª n]=ch'{g s'df/ u'?ª 8f bL3{dfg u'?ª d]=k|]d axfb'/ yfkf 8f= lbk]Gb| s'df/ uf}td dfof u'?ª ;~rfns ;~rfns ;~rfns ;~rfns ;~rfns ;~rfnsldlt M @)&#÷)$÷@):yfg M kf]v/f

13@)cf}+jflif{s

k|ltj]bg


gfkmf gf]S;fg lx;fa2072 >fj)f 1 b]lv 2073 ;fn cfiff( d;fGt;Dd

ljj/)f cg';"rL o; jif{ ¿= ut jif{ ¿=

1= Jofh cfDbfgL 4=18 327,543,787 338,594,929

2= Jofh vr{ 4=19 180,612,176 182,082,823

v'b Jofh cfDbfgL 146,931,612 156,512,105

3= sldzg tyf l*:sfp)^ 4=20 405,958 261,930

4= cGo ;~rfng cfDbfgL 4=21 19,441,767 14,546,069

5= ;^xL #^a( cfDbfgL 4=22 – –

s'n ;~rfng cfDbfgL 166,779,337 171,320,104

6= sd{rf/L vr{ 4=23 22,981,607 17,004,554

7= cGo ;~rfng vr{ 4=24 22,467,049 17,270,292

8= ;^xL #^a( gf]S;fg 4=22 – –

;Defljt gf]S;fgL Joj:yf cl#sf] ;~rfng d'gfkmf 121,330,681 137,045,257

9= ;Defljt gf]S;fgL Joj:yfx? 4=25 975,859 9,791,685

;~rfng d'gfkmf 120,354,822 127,253,573

10= u}/ ;~rfng cfDbfgL÷-gf]S;fg_ 4=26 16,389,477 6,315,396

11= ;Defljt gf]S;fgL Joj:yfaf^ lkmtf{ 4=27 1,417,592 114,686,597

lgoldt sf/f]jf/af^ ePsf] d'gfkmf 138,161,890 248,255,566

12= c;fdfGo sf/f]jf/x?af^ ePsf] d'gfkmf÷-vr{_ 4=28 – -838,148_

;Dk")f{ sf/f]jf/ ;dfj]z kl%sf] v'b d'gfkmf 138,161,890 247,417,417

13= sd{rf/L af]g; Joj:yf 12,560,172 22,492,492

14= cfos/ Joj:yf 37,580,420 68,585,760

o; jif{sf] s/ Joj:yf 38,045,662 34,711,564

ljut jif{;Ddsf] s/ Joj:yf

o; jif{sf] :yug s/ cfDbfgL÷-vr{_ 465,242 -33,874,195_

v'b gfkmf÷gf]S;fg 88,021,298 156,339,165

4=18 b]lv 4=28 ;Ddsf cg';"rLx? gfkmf gf]S;fg lx;fjsf cleGg c+u x'g\ .xfd|f] cfhsf] ldltdf ;+nUg k|ltj]bgsf] cfwf/df



14 @)cf}+jflif{s

k|ltj]bg




gfkmf gf]S;fg af“8kmf“8 lx;fj2072 >fj)f 1 b]lv 2073 ;fn cfiff( d;fGt;Dd

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

cfDbfgL

1= ut jif{;Ddsf] ;+lrt d'gfkmf 1,073,817 10,993,664

2= o; jif{sf] d'gfkmf 88,021,298 156,339,165

3= ;^xL #^a( sf]if – –

4= ut aif{sf] :yug s/ hu]*f af^ lkmtf{ 33,874,195

5= ut aif{sf] z]o/ lk|ldod ;dfof]hg – –

hDdf 89,095,115 201,207,024

vr{

1= ut jif{;Ddsf] ;+lrt gf]S;fg – –

2= o; jif{sf] gf]S;fg – –

3= ;fwf/)f hu]*fsf]if 17,604,260 31,267,833

4= e}k/L cfpg] hu]*f – –

5= ;+:yf ljsf; sf]if – –

6= nfef+z ;dLs/)f sf]if – –

7= sd{rf/L ;DaGwL hu]*fx? – –

8= k|:tfljt nfef+z 3,489,531 8,442,063

9= k|:tfljt af]g; z]o/ hf/L 66,301,092 160,399,200

10= ljz]if hu]*f sf]if

11= k"“hL lkmtf{ hu]*f sf]if – –

12= k"“hL ;dfof]hg sf]if – –

13= :yug s/ hu]*f sf]if 465,242 –

14= nufgL ;dfof]hg sf]if 222,785 24,111

hDdf 88,082,910 200,133,207

14= ;l~rt d'gfkmf÷-gf]S;fg_ 1,012,205 1,073,817


15@)cf}+jflif{s

k|ltj]bg




gub k|jfx ljj/0f 2072 >fj)f 1 b]lv 2073 ;fn cfiff( d;fGt;Dd

ljj/)F o; jif{ ?= ut jif{ ?= s= sf/f]jf/ ;~rfngaf^ gub k|jfx 90,011,973 -68,479,146_1= gub k|flKt 366,064,549 353,904,921 1=1 Jofh cfDbfgL 329,804,706 338,594,929 1=2 sldzg tyf l*isfpG^ cfDbfgL 405,958 261,930 1=3 ljb]zL ljlgdo sf/f]jf/af^ cfDbfgL – –1=4 ckn]lvt shf{sf] c;'nL – –1=5 cGo cfDbfgL 35,853,885 15,048,062 2= gub e'QmfgL 275,968,384 272,008,217 2=1 Jofh vr{ 175,251,233 183,538,950 2=2 sd{rf/L vr{ 21,690,847 16,149,162 2=3 sfof{no ;~rfng vr{ 17,032,053 13,426,480 2=4 cfos/ e'QmfgL 39,501,757.22 50,151,955 2=5 cGo vr{ 22,492,492 8,741,669 sfo{ut k'+hL ultljlw cl#sf] gub k|jfx 90,096,165 81,896,703 ;~rfng ;DaGwL rfn" ;DklQdf sdL÷-j[l¢_ -332,078,912_ -487,665,012_1= dfu tyf cNk ;'rgfdf k|fKt x"g] /sddf sdL÷-j[l¢_ 7,610,726 -196,071,859_2= cGo cNksfnLg nufgLdf sdL÷-j[l¢_ – –3= shf{ tyf laN; v/Lbdf sdL÷-j[l¢_ -340,513,376_ -292,076,811_4= cGo ;DklQdf sdL÷-j[l¢_ 823,738 483,658 ;~rfng ;DaGwL rfn" bfloTjdf-sdL_÷j[l¢ 331,994,720 337,289,163 1= lgIf]k bfloTjdf -sdL_÷j[l¢ 329,848,588 405,383,436 2= ;l^{lkms]^ ckm l*kf]lh^df -sdL_÷j[l¢ – –3= cNksfnLg ;fk^Ldf -sdL_÷j[l¢ – –4= cGo bfloTjdf -sdL_÷j[l¢ 2,146,132 -68,094,273_ v= nufgL sf/f]jf/df gub k|jfx -46,538,285_ 9,698,392 1= bL#{sfnLg nufgLdf -sdL_÷j[l¢ -32,621,109_ -108,804,030_2= l:y/ ;DklQdf -sdL_÷j[l¢ -13,952,325_ -1,997,578_3= bL#{sfnLg nufgLdf Jofh cfDbfgL – –4= nfef+z cfDbfgL 35,150 –5= cGo – 120,500,000 u= ljQLo >f]t sf/f]jf/af^ gub k|jfx -9,825,786_ -29,001,878_1= bL#{sfnLg C)f -j)*, l*j]Gr/ cflb_ df j[l¢÷-sdL_ – –2= z]o/ k'+hLdf j[l¢÷-sdL_ – –4= cGo bfloTjdf j[l¢÷-sdL_ -9,825,786_ -29,001,878_5= g]kfn /fi^« a}+saf^ k|fKt ;x'lnot÷k'g/shf{df -sdL÷j[l¢_ – – #= gub tyf a}+s df}Hbftsf] ljlgdo b/df ePsf] km/saf^ cfDbfgL÷vr{ – – ª= o; jif{ ;Dk')f{ ultljlwaf^ gub k|jfx -s±v±u±#_ 33,647,902 -87,782,632_ r= gub tyf a}+sdf /x]sf] z'? df}Hbft 59,286,203 147,068,836 %= gub tyf a}+sdf /x]sf] clGtd Dff}Hbft 92,934,105 59,286,203


16 @)cf}+jflif{s

k|ltj]bg


OSjL

6Ld

f ePs

f] kl/

jt{g

;Da

lGw

ljj/

0f

2072

>fj)f 1 b

]lv 2

073

;fn

cfiff( d

;fGt

;Dd

ljj/

)fz]o/

k"“hL

;l~

rt

gfkmf

-gf]S;fg_

;fw

f/)f h

u]*f

sf]if

k"“lhut

hu]*

f

sf]if

z]o/

lk|ld

od

;^x

L

#^a

(

sf]if

k|:tfljt

jf]gz

z]o/

:yug

s/

hu]*

f sf]if

nufgL

;df

of]hg

sf]if

s'n /

sd

?=

z'?

df}Hb

ft 3

30,720

,000

1

,073

,817

1

08,231

,592

–

––

160

,399

,200

5

3,04

8

24,111

6

00,501

,767

:yug

s/

––

––

––

––

––

;dfof]lh

t z'?

df}Hb

ft 3

30,720

,000

1

,073

,817

1

08,231

,592

–

––

160

,399

,200

5

3,04

8

24,111

6

00,501

,767

;dfof]h

g–

–

af]g;

z]o/

hf/L

160

,399

,200

–

––

––

-16

0,39

9,20

0_–

––

xsk|b

z]o/

jf^

k|fKTf /s

d–

––

––

––

––

–

o; j

if{sf] v'b

gfkmf

– 8

8,021

,298

–

––

––

––

88,021

,298

;fwf/)

f hu]*

f sf]ifdf

yk

– -17

,604

,260

_ 1

7,60

4,260

–

––

––

––

k+"hL ;d

fof]h

g sf]ifdf

yk

––

––

––

––

––

:yug

s/

hu]*

f sf]if

– -465

,242_

––

––

465

,242

––

nuf

gL ;

dfof]hg

sf]if

-22

2,78

5_ 2

22,785

–

k|:tfljt

af]g;

z]o/

-66

,301

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_ 6

6,30

1,09

2 –

k|:tfljt

gub

nfe

f+z–

-3,489,53

1_–

––

––

––

-3,489,53

1_

clGtd

df}Hbft

491

,119

,200

1,012

,205

125

,835

,852

–

––

66,30

1,09

2 5

18,290

2

46,89

6 6

85,033

,534

xfd|f

] cfh

sf] ldltdf

;+nUg

k|ltj]b

gsf] cf

wf/d

f

a'l4n

IdL u'?ª

/fhs'df/ u

'?ª

e'jg

l;+ u

'?ª

l;=P= ;Gt

f]if n

D;fn

n]vf k|a

Gws

k|d'v s

fo{sf/L clw

s[t

cWo

If

n]vfk/LIfs

P;=Pn= P0

8 P

;f]l;

P6;\

rf6{8{ P

sfp

G6]G6

;\

;'G

b/ u

'?ª

n]=ch

'{g s'df

/ u'?

ª 8f

bL3

{dfg

u'?ª

d]=

k|]d a

xfb'/

yfkf

8f= lbk]G

b| s'df

/ uf

}td

dfof

u'?ª

;~r

fns

;~r

fns

;~r

fns

;~r

fns

;~r

fns

;~r

fns

ldlt M @

)&#

÷)$÷@)

:yfg M k

f]v/f

17@)cf}+jflif{s

k|ltj]bg


z]o/ k"“hL tyf :jfldTj 2073 ;fn cfiff( d;fGt

cg';"rL 4=1


1= z]o/ k"“hL

1=1 clws[t k"“hL 940,000,000 940,000,000

s_ 94,00,000 ;fwf/)f z]o/ k|lt z]o/ ?= 100 n] 940,000,000 940,000,000

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

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

1=2 hf/L k"“hL 491,119,200 33,072,000

s_4911192 ;fwf/)f z]o/ k|lt z]o/ ?= 100 n] 491,119,200 330,720,000

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

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

1=3 r"Qmf k"“hL 491,119,200 330,720,000

s_4911192 ;fwf/)f z]o/ k|lt z]o/ ?= 100 n] 491,119,200 330,720,000

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

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

1=4 k|:tfljt af]g; z]o/ 66,301,092 160,399,200

1=5 sN; Og P*efG; –

hDdf /sd -1=3 ± 1=4 ± 1=5_ 557,420,292 491,119,200

z]o/ :jfldTj

z]o/ :jfldTj ljj/)f o; jif{ ?= ut jif{ ?=

∞ z]o/ k"“hL ∞ z]o/ k"“hL

s= :jb]zL :jfldTj 100 491,119,200 100 330,720,000

1=1 g]kfn ;/sf/ – – – –

1=2 a}b]lzs ;+:yf

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

1=4 cGo Ohfhtkq k|fKt ;+:yfx? – – – –

1=5 cGo ;+:yfx? – – – –

1=6 ;j{;fwf/)f 40 196,447,680 40 132,288,000

1=7 cGo -;+:yfks_ 60 294,671,520 60 198,432,000

v= j}b]lzs :jfldTj – – – –

hDdf 100 491,119,200 100 330,720,000

18 @)cf}+jflif{s

k|ltj]bg


)=% k|ltzt jf ;f] eGbf a9L :jfldTj ePsf] z]o/wgLx?sf] gfd

qm=;= gfd hDdf z]o/ k|ltzt

1 dg jxfb'/ u'?ª 312074 6=35

2 k|sfz u'?ª 274284 5=58

3 e'jgl;+ u'?ª 235339 4=79

4 Sof= od jxfb'/ u'?ª 235337 4=79

5 ;'Gb/ u'?ª 204642 4=17

6 ;Gt s'df/L u'?ª 128558 2=62

7 wg jxfb'/ z]/rg 112527 2=29

8 dLtf u'?ª 102307 2=08

9 k|Ltf u'?ª 102307 2=08

10 x]d axfb'/ u'?ª 61390 1=25

11 s[i)f/fh k/fh'nL 51169 1=04

12 ;'x[b/fh l#ld/] 51158 1=04

13 sfn' u'?ª 49112 1=00

14 zlzsfGt cu|jfn 47223 0=96

15 d]= u+uf axfb'/ u'?ª 44446 0=9

16 xfyj] OGe]:^d])^ g]kfn k|f ln= 43614 0=89

17 Sof= ho axfb'/ u'?ª 42973 0=88

18 ljGb' s'df/ yfkf 42728 0=87

19 n]= ch'{g s'df/ u'?ª 42728 0=87

20 grf]ª u'?ª 40927 0=83

21 ljqmd u''?ª 40927 0=83

22 d]= /fd axfb'/ u'?ª 40927 0=83

23 ozf]bf >]i& dfsfh' 40927 0=83

24 ;Gtf]if kf}*]n 40927 0=83

qm=;= gfd hDdf z]o/ k|ltzt

25 /fd k|;fb u'?ª 37571 0=77

26 ljBf u'?ª 36711 0=75

27 dfof u'?ª 35606 0=72

28 a'l$nIdL u'?ª 35033 0=71

29 ;'ljGb| >]i& 31133 0=63

30 ladnf dfgGw/ 30695 0=63

31 cfgGb u'?ª 30695 0=63

32 ;'o{nfn u'?ª 30695 0=63

33 clgtf u'?ª 30695 0=63

34 gf/fo)f afa' nf]xgL 30695 0=63

35 cfgGb /fgf du/ 30695 0=63

36 ljsndfg u'?ª 30695 0=63

37 cg'k u'?ª 30695 0=63

38 d]= lrGt axfb'/ u'?ª 30695 0=63

39 d]= h'b axfb'/ u'?ª 30695 0=63

40 gg\zf]ef u'?ª 30695 0=63

41 Sof= k|]d axfb'/ u'?ª 30695 0=63

42 d]= nlnt axfb'/ u'?ª 30695 0=63

43 s'n axfb'/ u'?ª 30695 0=63

44 jL/ axfb'/ u'?ª 30695 0=63

45 t]h axfb'/ u'?ª 30695 0=63

46 lk|td, pQd, uf}td u'?ª 30695 0=63

47 *f= bL#{dfg u'?ª 26167 0=53

48 lji)f' k|;fb pkfWofo 25517 0=52

19@)cf}+jflif{s

k|ltj]bg


hu]8f tyf sf]ifx? 2073 ;fn cfiff( d;fGt

cg';"rL 4=2

ljj/)f o; jif{ ?= ut jif{ ?=1= ;fwf/)f÷j}wflgs hu]*f sf]if 125,835,852 108,231,592 2= k+"hLut hu]*f sf]if – –3= k"+hL lkmtf{ hu]*f sf]if – –4= k+"hL ;dfof]hg sf]if – –5= cGo hu]*f tyf sf]if – – 5=1= e}k/L cfpg] hu]*f – – 5=2= ;+:yf ljsf; sf]if – – 5=3= nfef+z ;lds/)f sf]if – – 5=4= ljz]if hu]*f sf]if – – 5=5= ;DklQ k'gd"{Nof°g sf]if – – 5=6= :yug s/ hu]]*f 518,290 53,048 5=7= cGo :jtGq sf]if – – 5=8= cGo hu]*f sf]if 246,896 24,111 6= ;l~rt gfkmf÷gf]S;fg 1,012,205 1,073,817 7= ;^xL #^a( sf]if –

hDdf 127,613,243 109,382,567

C0fkq tyf a08 2073 ;fn cfiff( d;fGt

cg';"rL 4=3

ljj/)f o; jif{ ?= ut jif{ ?=1= ========== – – ========= k|ltzt j)*÷C)fkq k|lt j)*÷C)fkq ====== ?= n] ====== ldlt ============= df hf/L ePsf] / ldlt =========== df r'Stf x'g] -xfn;Ddsf] Redemption Reserve /sd ?= ================_2= ========== – – ========= k|ltzt j)*÷C)fkq k|lt j)*÷C)fkq ====== ?= n] ====== ldlt ============= df hf/L ePsf] / ldlt =========== df r'Stf x'g] -xfn;Ddsf] Redemption Reserve /sd ?= =================_3= ======== ========= – –

hDdf -1±2±3_ – –

20 @)cf}+jflif{s

k|ltj]bg


ltg{ af“sL shf{ -;fk6L_ 2073 ;fn cfiff( d;fGt

cg';"rL 4=4

ljj/)f o; jif{ ?= ut jif{ ?= s= :jb]zL 1= g]kfn ;/sf/ – – 2= g]kfn /fi^« a}+s – – 3= l/kf] bfloTj – – 4= cGt/ a}+s tyf ljQLo ;+:yf – – 5= cGo ;+ul&t ;+:yfx? – – 6= cGo – –hDdf – – v= ljb]zL 1= a}+sx? – – 2= cGo – –hDdf – –hDdf -s±v_ – –

lgIf]k lx;fj2073 ;fn cfiff( d;fGt

cg';"rL 4=5ljj/)f o; jif{ ?= ut jif{ ?=

1= Jofh ltg'{ gkg]{ vftfx?s= rNtL lx;fj – –1= :jb]zL d'b|fdf – –1=1 g]kfn ;/sf/ – –1=2 s ju{sf Ohfhtkq k|fKt ;+:yfx? – –1=3 cGo Ohfhtkq k|fKt ljQLo ;+:yfx? – –1=4 cGo ;+ul&t ;+:yfx? – –1=5 JolQmut – –1=6 cGo – –2= ljb]zL d'b|fdf – –2=1 g]kfn ;/sf/ – –2=2 s ju{sf Ohfhtkq k|fKt ;+:yfx? – –2=3 cGo Ohfhtkq k|fKt ljQLo ;+:yfx? – –2=4 cGo ;+ul&t ;+:yfx? – –2=5 JolQmut – –2=6 cGo – –v= dflh{g – –1= sd{rf/L hdfgt – –2= hdfgt dflh{g – –3= k|lttkq dflh{g – –

21@)cf}+jflif{s

k|ltj]bg


lgIf]k lx;fj -qmdzM_

u= cGo – –1= :jb]zL d'b|fdf1=1 ljQLo ;+:yfx? – –1=2 cGo ;+ul&t ;+:yfx? – –1=3 JolQmut – –2= ljb]zL d'b|fdf2=1 ljQLo ;+:yfx? – –2=2 cGo ;+ul&t ;+:yfx? – –2=3 JolQmut – –Jofh ltg'{ gkg]{ vftfx?sf] hDdf – –2= Jofh ltg'{ kg]{ vftfx?s= jrt lx;fa 1,817,905,812 1,508,145,006 1= :jb]zL d'b|fdf 1,817,905,812 1,508,145,006 1=1 ;+# ;+:yfx? – –1=2 JolQmut 1,695,783,069 1,395,398,842 1=3 cGo 122,122,743 112,746,164 2= ljb]zL d'b|fdf – –2=1 ;+# ;+:yfx? – –2=2 JolQmut – –2=3 cGo – –v= d'$tL lx;fa 1,227,614,900 1,207,023,367 1= :jb]zL d'b|fdf 1,227,614,900 1,207,023,367 1=1 ;+# ;+:yfx? 62,275,729 32,675,178 1=2 JolQmut 1,165,339,171 1,174,348,189 1=3 cGo – –2= ljb]zL d'b|fdf – –2=1 ;+# ;+:yfx? – –2=2 JolQmut – –2=3 cGo – –u= dfu]sf] avt ltg'{ kg]{ lx;fa – 503,750 1= :jb]zL d'b|fdf1=1 s ju{sf Ohfhtkq k|fKt ;+:yfx? – –1=2 cGo Ohfhtkq k|fKt ljQLo ;+:yfx? – –1=3 cGo ;+ul&t ;+:yfx? 503,750 1=4 JolQmut – –1=5 cGo – –#= ;l^{lkms]^ ckm l*kf]lh^1= ;+ul&t ;+:yf – –2= JolQmut – –3= cGo – –Jofh ltg'{ kg]{ vftfx?sf] hDdf 3,045,520,712 2,715,672,124 hDdf lgIf]k -1±2_ 3,045,520,712 2,715,672,124

22 @)cf}+jflif{s

k|ltj]bg


e'QmfgL lbg'kg]{ ljnx? 2073 ;fn cfiff( d;fGt

cg';"rL 4=6

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

1= :jb]zL d'b|f – –

2= ljb]zL d'b|f – –hDdf – –

cGo bfloTj2073 ;fn cfiff( d;fGt

cg';"rL 4=7


1= k]G;g÷pkbfg sf]if 2,820,025 1,529,266

2= sd{rf/L ;~ro sf]if – –

3= sd{rf/L sNof)f sf]if – –

4= sd{rf/L jf]g; Joj:yf 12,560,172 22,492,492

5= lgIf]kdf e'QmfgL lbg af“sL Jofh 40,428,515 35,067,572

6= ;fk^Ldf e'QmfgL lbg af“sL Jofh

7= kfsL g;s]sf] l*:sfp)^ / sldzg – –

8= ;)*«L qm]l*^;{ 8,442,572 4,553,057

9= zfvf ldnfg lx;fj – –

10= :yug s/ bfloTj – –

11= e"QmfgL lbg afsL nfef+z 3,157,838 4,541,561

12= cGo

s= sd{rf/L ljbf jfktsf] /sd

v= n]vfk/LIf)f z'Ns 678,000 249,730

u= e'QmfgL cawL ;dfKt ePsf] d'@tL lx;fa 2,841,296 5,012,949

hDdf 70,928,418 73,446,628

23@)cf}+jflif{s

k|ltj]bg


gub df}Hbft2073 ;fn cfiff( d;fGt

cg';"rL 4=8


1= :jb]zL d'b|f -l;Ssf ;d]t_ 27,027,720 13,350,016

2= ljb]zL d'b|f – –hDdf 27,027,720 13,350,016

g]kfn /fi6« a}+sdf /x]sf] df}Hbft 2073 ;fn cfiff( d;fGt

cg';"rL 4=9

ljj/)f :jb]zL d'b|f ljb]zL d'b|f ?=df

s'n ?= ut aif{ ?ef=?= kl/jTo{ lj=d'= hDdf

1= g]kfn /fi^« a}+s 65,685,385 – – – 65,685,385 45,720,187

s= rNtL vftf 65,685,385 – – – 65,685,385 45,720,187

v= cGo vftf – – – – – –

a}+s tyf ljQLo ;+:yfdf /x]sf] df}Hbft2073 ;fn cfiff( d;fGt

cg';"rL 4=10

ljj/)f :jb]zL d'b|f ljb]zL d'b|f ?=df

s'n ?= ut aif{ ?ef=?= kl/jTo{ lj=d'= hDdf

1=:jb]zL Ohfhtkq k|fKt ;+:yfx? 221,000 – – – 221,000 216,000

-s_ rNtL vftf 221,000 – – – 221,000 216,000

-v_ cGo vftf – – – – – –

2= ljb]zL a}+sx?

-s_ rNtL vftf – – – – – –

-v_ cGo vftf – – – – – –

hDdf 221,000 – – – 221,000 216,000

24 @)cf}+jflif{s

k|ltj]bg


dfu tyf cNk;"rgfdf k|fKt x'g] /sdx?2073 ;fn cfiff( d;fGt

cg';"rL 4=11


1= :jb]zL d'b|fdf 814,725,335 822,336,062

2= ljb]zL d'b|fdf – –

hDdf ? 814,725,335 822,336,062

nufgL 2073 ;fn cfiff( d;fGt

cg';"rL 4=12

ljj/)fk|of]hg

o;jif{ ¿= ut jif{ ¿=Jofkfl/s cGo

1= g]kfn ;/sf/sf] ^]«h/L ljn – 1,481,850 1,481,850 –

2= g]kfn ;/sf/sf] jrtkq – 128,000,000 128,000,000 108,000,000

3= g]kfn ;/sf/sf] cGo C)fkq – – – –

4= g=/f=a}+s C)fkq – – – –

5= lab]zL C)fkq – – – –

6= :jb]zL Ohfhtkq k|fKt ;+:yf – – –

7= lab]zL a}+s – – – –

8= ;+ul&t ;+:yfx?sf] z]o/ – 12,344,789 12,344,789 1,205,530

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

10= cGo nufgL – – –

s'n nufgL – 141,826,639 141,826,639 109,205,530

Joj:yf – 975,859 975,859

v'b nufgL – 140,850,780 140,850,780 109,205,530

25@)cf}+jflif{s

k|ltj]bg


z]o/, l8a]Gr/ tyf j08df nufgL 2073 ;fn cfiff( d;fGt

cg';"rL 4=12 -s_

ljj/)f k/n df]n ?=ahf/

d"Nofg';f/

Joj:yf

/sdo; jif{ ? ut jif{ ?

1= z]o/ nufgL

1=1 >L g]kfn SnLcl/ª xfp; lnld^]*3515 lsQf ;fwf/)f z]o/, k|lt z]o/ ? 100 n] r'Qmf 351,500 – – 351,500

351,500

1=2 Pn=cfO{=;L= g]kfn lnld^]*

50,000

1368 lsQf ;fwf/)f z]o/, k|lt z]o/ ? 100 n] r'Qmf

1=3 nIdL Eofn" km)* 180403 o'lg^ k|lt o'lg^ ? 10 n] r'Qmf 804,030

4,747,000

1,043,631

5,677,412

804,030

4,747,000

804,0301=4 Unf]jn cfO Pd O{ ;Dd'gt of]hgf 1 474700 o'lg^ k|lt o'lg^ ? 10 n] r'Qmf1=5 g]kfn nfOkm OG:of]/]G;

2400 lsQf 1389÷09 k|lt lsQf 3,333,814 2,856,000 477,814 2,856,0001=6 u'/f; nfOkm OG:of]/]G;

1500 lsQf 1100÷95 k|lt lsQf 1,651,428 1,425,000 226,428 1,425,0001=7 ;'of{ nfOkm OG:of]/]G;

810 lsQf 1275÷33 k|ltlsQf 1,033,017 761,400 271,617 761,4001=8 hnljB't nufgL tyf ljsf;

3620 lsQf k|lt lsQf ?= 100 n] r'Qmf 362,000 362,0001=9 ªfbL u|'k kfj/ sDkgL

579 lsQf k|lt lsQf ? 100 n] r'Qmf 57,900 57,9001=10 d]/f] dfOqmf] kmfOgfG;

41 lsQf k|lt lsQf ? 100 n] r'Qmf 4,100 4,1002= l*a]Gr/ tyf jG* nufgL – – – – –

2=1 ======================sDkgL -k|f=ln=÷ln=_-========k|ltzt l*j]Gr/÷j)* k|lt l*j]Gr/÷j)* ======?= n]_s'n nufgL 12,344,789 11,763,443 975,859 11,368,930 1,205,530

3= hf]lvd ;DaGwL Joj:yf

3=1 ut jif{ ;Ddsf] Joj:yf – – –3=2 o; jif{sf] yk÷-#^_ – – –

s'n Joj:yf – – 975,859 – –v'b nufgL 12,344,789 11,763,443 975,859 11,368,930 1,205,530

26 @)cf}+jflif{s

k|ltj]bg


Jofkfl/s nufgL (Held for Trading)2073 ;fn cfiff( d;fGt

cg';"rL 4=12=1

ljj/0fk/n d'No

kl5Nnf] jhf/ d'No

-s_

xfnsf] jhf/

d'No -v_

o; jif{ gfkmf -gf]S;fg_

/sd -v ±s_

Uft jif{ gfkmf -gf]S;fg_ /sd

s}lkmot

!= g]kfn ;/sf/sf] 6]«h/L ljn – – – – –

@= g]kfn ;/sf/sf] jrtkq – – – – –

#= g]kfn ;/sf/sf] cGo C0fkq – – – – –

$= g]= /f= j}+= C0fkq – – – – –

%= ljb]zL C0fkq – – – – –

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

&= :jb]zL Ohfhtkqk|fKt ;+:yfsf] l8j]Gr/ tyf j08 – – – – –

*= :jb]zL ;+ul7t ;+:yfsf] z]o/, l8j]Gr/ tyf j08 – – – – –

(= ljb]zL j}+s nufgL -Placement_ – – – – –

!)= Interbank Lending – – – – –

!!= cGo nufgL – – – – –

s"n nufgL – – – – –

e'QmfgL ldlt;Dd wf/0f ug]{ nufgL (Held to Maturity)2073 ;fn cfiff( d;fGt

cg';"rL 4=12=2

ljj/0f k/n d'No -s_ xfn ;Ddsf] IftL /sd

-v_

o; jif{sf] Iflt

/sd -u_

o; jif{ gfkmf -gf]S;fg_ /sd

-s–v– u_


s}lkmot

!= g]kfn ;/sf/sf] 6]«h/L ljn 1,481,850 – – – –

@= g]kfn ;/sf/sf] jrtkq 128,000,000 – – – –


$= g]= /f= j}+= C0fkq – – – – –

%= ljb]zL C0fkq – – – – –



*= :jb]zL ;+ul7t ;+:yfsf] z]o/, l8j]Gr/ tyf j08 – – – – –


!)= cGo nufgL – – – – –

s"n nufgL – – – – –

27@)cf}+jflif{s

k|ltj]bg


ljqmLsf] nflu pknAw nufgL (Available for Sale)2073 ;fn cfiff( d;fGt

cg';"rL 4=12=3

ljj/0f k/n d'No kl5Nnf]

jhf/ d'No -s_

xfnsf] jhf/ d'No -v_

o; jif{ sf]if ;dfof]hg

/sd -v –s_


s}lkmot

!= g]kfn ;/sf/sf] 6]«h/L ljn – – – – –

@= g]kfn ;/sf/sf] jrtkq – – – – –


$= g]= /f= j}+= C0fkq – – – – –

%= ljb]zL C0fkq – – – – –



*= :jb]zL ;+ul7t ;+:yfsf] z]o/, l8j]Gr/ tyf j08 12,344,789 – 11,763,443 – –


!)= cGo nufgL – – – – –

s"n nufgL 12,344,789 – 11,763,443 – – –

28 @)cf}+jflif{s

k|ltj]bg


sh

f{ ;fk

6 ty

f lan

vl/

b ju

L{s/0

f / ;

f]sf] n

flu J

oj:

yf

2073

;fn

cfiff( d

;fGt

cg';

"rL 4=13

ljj/

)f

shf{

vl/b

tyf l*

:sfp

G^

ul/P

sf lan

o;

jif{

?=ut

jif{

?=:j

b]zL

ljb]z

LhDd

f:j

b]zL

ljb]z

LhDd

fljkGg

au{

cGo

ljld

tcljld

t1=

;lqmo

shf{ ;f

k^ (

Per

form

ing)

– 1

04,4

92,397

2,495

,691

,426

–

2,600

,183,823

–

––

2,600

,183,823

2,25

2,31

4,630

1=1

c;n

– 1

04,4

92,397

2,495

,691

,426

–

2,600

,183,823

–

––

2,600

,183,823

2,24

5,71

5,25

2 1=2

jfr ln:^

––

– 6

,599

,379

2=

lgl:q

mo s

hf{ ;f

k^ (

Non P

erfo

rmin

g_

1,321

,220

4

2,73

2,00

0 –

44,053

,220

–

––

44,053

,220

5

1,409

,036

2=1

k'g/;

+/rgf u

l/Ps

f]–

––

––

––

––

–2=2

sd;

n–

––

––

––

–2=3

z+sf:k

b–

––

––

––

– 4

,950

,000

2=4 v

/fa

– 1

,321

,220

4

2,73

2,00

0 –

44,053

,220

–

––

44,053

,220

4

6,459

,036

-s

_s'n s

hf{

– 1

05,8

13,617

2,53

8,4

23,4

26

– 2

,644,237

,042

––

–2,64

4,237

,042

2,303

,723

,666

3=

shf{ gf]S;

fgL Jo

j:yf

3=1

c;n

– 1

,044,924

2

4,956

,914

–

26,00

1,838

–

––

26,00

1,838

2

2,457

,153

3=1

jfr ln:^

shf{

––

– 1

31,988

3=2

k'g/;

+/rgf u

l/Ps

f–

––

––

––

––

–3=3

sd;

n–

––

––

––

––

–3=4 z

+sf:k

b–

––

––

––

––

2,4

75,000

3=5

v/fa

– 1

,321

,220

4

2,73

2,00

0 –

44,053

,220

–

––

44,053

,220

4

6,459

,036

3=6

cltl/S

t shf{ gf]S;

fgL Ao

j:yf

– 3

,416

,520

–

3,4

16,520

–

––

3,4

16,520

3

,365

,994

-v

_s'n Joj

:yf

– 2

,366

,144

71,10

5,434

–

73,471

,578

–

––

73,471

,578

7

4,8

89,17

0 4=

ut j

if{;Dd

sf] Jo

j:yf

4=1 c

;n–

976

,721

2

1,480,431

–

22,457

,153

–

––

22,457

,153

1

9,67

0,58

1 3=1

jfr ln:^

shf{

131

,988

131

,988

4=2 k

'g/;+/

rgf u

l/Ps

f–

––

––

––

––

–4=3 s

d;n

––

––

––

––

––

4=4

z+sf:k

b–

– 2

,475

,000

–

2,4

75,000

–

––

2,4

75,000

–

4=5

v/fa

– 3

64,4

74

46,09

4,562

–

46,459

,036

–

––

46,459

,036

4

5,426

,905

4=6 c

ltl/Qm shf{ gf]S;

fgL Ao

a:yf

– 3

,365

,994

–

3,365

,994

–

––

––

-u_

ut j

if{sf] s'n Joj

:yf

– 1

,341,19

5 7

3,54

7,97

5 –

74,8

89,17

1 –

––

74,8

89,17

2 6

5,09

7,487

-#_

ut j

if{sf] Jo

j:yf

af^

lkmtf{

––

2,4

42,54

1 –

2,4

42,54

1 –

––

2,4

42,54

1 –

-ª_

o; j

if{sf] yk

Joj

:yf

– 1

,024

,949

-2,442,54

1_–

-1,417

,592

_–

––

-1,417

,592

_ 9

,791

,685

o;

jif{s

f] yk

#^

– 1,024

,949

-2,442,54

1_–

-1,417

,592

_–

––

-1,417

,592

_ 9

,791

,685

v"b

shf{ -s

–v_

– 103

,447,

473

2

,467

,317

,991

–

2,570

,765

,464

–

––

2,57

0,76

5,464

2,22

8,83

4,4

96

29@)cf}+jflif{s

k|ltj]bg


shf{, ;fk6 / ljN; v/Lbsf] ;'/If0f2073 ;fn cfiff( d;fGt

cg';"rL 4=13 -s_


s_ ;'/lIft 2,644,237,042 2,303,723,666 1= rn÷crn ;DklQsf] ;'/If)fdf 2,523,088,302 2,291,399,666 2= :jb]zL Ohfhtkqk|FKt ;+:yfsf] hdfgtdf – – 3= ;/sf/L hdfgtdf – – 4= cGt/f{li^«o >])FLs[t j}+ssf] hdfgtdf – – 5= lgof{t sfuhft (Export Document) sf] ;'/If)fdf – – 6= d'@tL /l;bsf] ;'/If)fdf – – s= ;+:yfsf] cfkm\g} d'@tL /;Lbsf] ;'/If)f 14,753,432 12,324,000 v= cGo Ohfhtkq k|FKt ;+:yfsf] d'@tL /l;bsf] ;'/If)f – – 7= ;/sf/L C)fkqsf] ;'/If)fdf – – 8= sfp)^/ hdfgtdf – – 9= JolQmut hdfgtdf 106,395,308 – 10= cGo ;'/If)fdf – –

v_ c;'/lIft – –

hDdf 2,644,237,042 2,303,723,666

l:y/ ;DklQ2073 ;fn cfiff( d;fGt

cg';"rL 4=14

ljj/)f;DklQ

o; jif{ ? ut jif{ ?=ejg

kl/jxg;fwg

d]zLg/L sfof{no;fdfg

cGo

1= k/ndf]n s= ut jif{sf] df}Hbft 16,874,194 3,646,856 – 12,975,805 4,713,293 38,210,148 36,212,571 v= o; jif{ yk – 3,922,500 3,793,062 3,781,363 11,496,924 1,997,578 u= o; jif{ k"gd"{Nof°g÷k'gn]{vg – – – – – – – #= o; jif{sf] ljqmL – – – -109,436_ -39,555_ -148,991_ – ª= o; jif{sf] ckn]vg – – – – – – –

s'n -s±v±u±#±ª_ k/ndf]n 16,874,194 7,569,356 – 16,878,302 8,534,211 49,856,063 38,210,148 2= x|f;s^\^L s= ut jif{ ;Ddsf] 2,410,598 2,452,630 – 7,927,135 2,252,417 15,042,780 12,024,800 v= o; jif{sf] 723,180 993,793 – 1,756,325 827,947 4,301,245 3,017,979 u= x|f;s^\^L k'gd{"Nof°g÷k'gn]{vg -2_ 129,307 – -494,178_ -2,970_ -367,843_ – #= x|f;s^\^L /sd ;dfof]hg÷lkmtf{ – – – – – – 38,191

s'n x|f;s^\^L 3,133,780 3,317,117 – 10,177,638 3,083,334 19,711,868 15,080,970 3= a's Eofn' (WDV*) -1–2_ 13,740,414 4,252,239 – 6,700,664 5,450,876 30,144,194 23,129,178 4= hUuf – – – – – 112,814,450 112,814,450 5= k"“hLut lgdf{)F -k"“hLs/)f ul/g'kg]{_ – – – – – – –6= nLhxf]N* ;DklQ – – – – 4,226,199 2,553,302

hDdf -3±4±5±6_ 13,740,414 4,252,239 – 6,700,664 5,450,876 147,184,843 138,496,930

30 @)cf}+jflif{s

k|ltj]bg


u}/ j}+lsª ;DklQ2073 ;fn cfiff( d;fGt

cg';"rL 4=15

C)fL jf kf^L{sf]

gfd &]ufgf

u}/ j}+lsª ;DklQ

;sf/ u/]sf] ldlt

s'n u}/ j}+}lsª

;DklQ /sd ?=

gf]S;fgL Joj:yf v'b u}/ j}}+lsª

;DklQ ?=

ut jif{

?=k|ltzt /sd ?=

s"n hDdf – – – – – –

cGo ;DklQ2073 ;fn cfiff( d;fGt

cg';"rL 4=16


1= d;nGb df}Hbft 413,072 232,345

2= nufgLdf c;'n ug{ af“sL cfDbfgL

3= shf{df c;'n ug{ af“sL Jofh 80,725,239

Go'gM Jofh d'NtjL /sd 80,725,239 – 2,260,919

4= c;'n ug{ af“sL sldzg – –

5= ;G*«L *]^;{ 3,484,066 3,580,886

6= sd{rf/L ;fk^L / k]ZsL – –

7= clu|d e'QmfgL 32,975,847 32,357,364

8= dfu{:y gub – –

9= dfu{:y cGo -r]s ;d]t_ – –

10= ljgf ;"rgf *«fkm\^sf] e'QmfgL – –

11= ckn]vg x'g af“sL vr{ 1,092,393 1,352,440

12= zfvf ldnfg lx;fj – –

13= :yug s/ ;DklQ 518,290 53,048

14= cGo 28,000 66,266

hDdf 38,511,668 39,903,267

31@)cf}+jflif{s

k|ltj]bg


cGo ;DklQ -yk ljj/0f_2073 ;fn cfiff( d;fGt

cg';"rL 4=16 -s_

ljj/)f

o; jif{ ?=

ut jif{ ? 1 jif{;Dd

1 jif{b]lv 3

jif{;Dd

3 jif{eGbf

dflyhDdf

1= shf{df c;'n ug{ af“sL Jofh 11,129,865 69,595,373 80,725,239 72,342,860

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

3= zfvf ldnfg lx;fj – – – – –

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

;Defljt bfloTjx?2073 ;fn cfiff( d;fGt

cg';"rL 4=17


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

2= k|lttkqx? -k"/f /sd_

s_ 6 dlxgf eGbf sd cjlwsf] – –

v_ 6 dlxgf eGbf al( cjlwsf] – –

3= k'gM l*:sfpG^ ul/Psf ljnx? – –

4= Dofb gfl# g;s]sf] Uof/]G^L÷j)*

s_ lj* j)* – –

v_ k/km/d]G; j)* – –

u_ cGo Uof/]G^L÷j)* – –

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

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

7= sn]S;gdf /x]sf ljnx? – –

8= d~h'/L tyf ;dy{g (Acceptance & Endorsement) – –

9= k|Tofe'tL k|ltj$tf (Underwriting Commitment) – –

10= ckl/jTo{ shf{ k|ltj$tf (Irrevocable Loan Commitment) – –

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

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

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

14= cfos/ jfkt ;Defljt bfloTj (Contigent Liabilities on Income Tax) – –

15= ================================================== – –

32 @)cf}+jflif{s

k|ltj]bg


Jofh cfDbfgLldlt 2072 >fj)f 1 b]lv 2073 ;fn cfiff( d;fGt;Dd

cg';"rL 4=18

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

s= shf{ ;fk^ / clwljsif{df 296,741,032 311,129,002

1= shf{ ;fk^ 296,741,032 311,129,002

2= clwljsif{ – –

v= nufgLdf 3,381,900 –

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

s_ ^«]h/L ljN; – –

v_ ljsf; C)fkq – –

u_ /fli^«o jrtkq – –

2= ljb]zL artkq – –

s_ =====================

v_ ======================

3= g]kfn /fi^« a}+ssf] C)fkq – –

4= l*j]~r/ tyf j)* 3,381,900

5= cGt/ a}+s nufgLdf Aofh – –

s_ j}+}+s÷ljQLo ;+:yfx? –

v+_ cGo ;+:yfx? – –

u= Ph]G;L df]}Hbftdf – –

1= :jb]zL j}+s÷ljQLo ;+:yfx? – –

2= ljb]zL j}+sx? – –

#= dfu tyf cNk;"rgfdf k|fKt x'g] df}Hbftdf 27,420,855 27,465,926

1= :jb]zL j}+s÷ljQLo ;+:yfx? 27,420,855 27,465,926

2= ljb]zL j}+sx? – –

ª= cGodf – –

1= ;l^{kmLs]^ ckm l*kf]lh^ – –

2= cGt/ j}+s÷ljQLo ;+:yf shf{ – –

3= cGo – –

hDdf 327,543,787 338,594,929

33@)cf}+jflif{s

k|ltj]bg


Jofh vr{ldlt 2072 >fj)f 1 b]lv 2073 ;fn cfiff( d;fGt;Dd cg';"rL 4=19

ljj/)f o; jif{ ?= ut jif{ ? s= lgIf]k bfloTjdf 180,612,176 182,082,823 1= d'@tL lgIf]k 98,511,557 98,731,631 1=1 :jb]zL d'b|f 98,511,557 98,731,631 1=2 ljb]zL d'b|f – –2= jrt lgIf]k 82,100,618 83,268,733 2=1 :jb]zL d'b|f 82,100,618 83,268,733 2=2 ljb]zL d'b|f – –3= dfu]sf] jvt ltg''[{kg]{ lgIf]k – 82,459 3=1 :jb]zL d'b|f 82,459 3=2 ljb]zL d'b|f – –4= ;l^{lkms]^ ckm l*kf]lh^;\ – –v= shf{ ;fk^df – –1= C)fkq tyf j)* – –2= g]kfn /fi^« a}+saf^ k|FKt shf{ – –3= cGt/ j}+s÷ljQLo ;+:yf shf{ – –4= cGo ;+ul&t ;+:yf – –5= cGo shf{ – –u= cGodf – –1 ===================== –2= ===================== – –

hDdf 180,612,176 182,082,823

sldzg tyf l8:sfpG6ldlt 2072 >fj)f 1 b]lv 2073 ;fn cfiff( d;fGt;Dd cg';"rL 4=20

ljj/)f o; jif{ ?= ut jif{ ?s= ljN; v/Lb tyf l*:sfpG^ – –1= :jb]zL – –2= ljb]zL – –v= sldzg – –1= k|lttkq – –2= hdfgtkq – –3= sn]S;g lkm – –4= /]ld^}G; lkm 405,958 261,930 5= qm]l*^ sf*{ – –6= z]o/ k|Tofe'lt÷lgisfzg –7= ;/sf/L sf/f]jf/ jfkt – –8= O=k|f= sldzg jfkt – –9= a^\^f cfDbfgL – –u= cGo – –

hDdf 405,958 261,930

34 @)cf}+jflif{s

k|ltj]bg


cGo ;~rfng cfDbfgLldlt 2072 >fj)f 1 b]lv 2073 ;fn cfiff( d;fGt;Dd

cg';"rL 4=21


1= ;]]km l*kf]lh^ eN^sf] ef*f 141,000

2= qm]l*^sf*{ lgisfzg tyf gljs/)f – –

3= ATM sf*{ lgisfzg tyf gljs/)f 75,500 –

4= ^]n]S;\÷l^=l^= – –

5= ;]jf z'Ns 15,748,798 11,168,256

6= gljs/)f z'Ns – –

7= cGo 3,476,470 3,377,813

hDdf 19,441,767 14,546,069

;6xL 36a9 cfDbfgL÷-gf]S;fg_ldlt 2072 >fj)f 1 b]lv 2073 ;fn cfiff( d;fGt;Dd

cg';"rL 4=22


s_ ljlgdo b/df ePsf] km/saf^ – –

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

hDdf cfDbfgL÷-gf]S;fg_ – –

sd{rf/L vr{ldlt 2072 >fj)f 1 b]lv 2073 ;fn cfiff( d;fGt;Dd

cg';"rL 4=23


1= tnj 9,643,382 6,381,615

2= eQf 9,150,623 7,685,484

3= ;~rosf]ifdf yk 785,695 608,026

4= tflnd vr{ 137,860 31,572

5= kf]zfs 286,190 233,714

6= cf}ifwLpkrf/ – 59,200

7= jLdf – –

8= k]G;g tyf pkbfg Joj:yf 1,290,759 855,392

9= cGo

s= labf jfktsf] /sd 255,224 152,499

v= sd{rf/L vfhf vr{ 1,431,873 997,052

hDdf 22,981,607 17,004,554

35@)cf}+jflif{s

k|ltj]bg


cGo vr{ ;~rfng vr{ldlt 2072 >fj)f 1 b]lv 2073 ;fn cfiff( d;fGt;Dd

cg';"rL 4=24 ljj/)f o; jif{ ?= ut jif{ ?

1= #/ef*f 1,629,635 1,290,467 2= aQL lah'nL / kfgL 633,030 483,043 3= dd{t tyf ;Def/ s= ejg – – v= ;jf/L ;fwg 175,032 158,887 u= cGo 2,882 56,377 4= aLdf 413,843 311,504 5= kf]:^]Hf, ^]n]S;, ^]lnkmf]g, km\ofS;\ 1,124,334 913,637 6= sfof{no pks/)f kmlg{r/ / ;Def/ 189,107 322,890 7= e|d)f eQf / vr{ 388,067 292,933 8= d;nGb / %kfO{ 898,224 549,162 9= kqklqsf tyf k':ts 41,137 34,369 10= la!fkg 704,131 699,239 11= sfg"gL vr{ 12= rGbf ;xof]u 85,441 230,000 13= ;Grfns ;ldlt ;DjlGw vr{ – – s= j}&s eQf================= 473,250 479,000 v= cGo vr{================== 69,784 37,989 14= ;fwf/)f ;ef ;DjlGw vr{ 188,322 217,761 15= n]vf k/LIf)f ;DjlGw vr{ afx\o n]vfk/LIf)f z'Ns 339,000 136,730 cfGtl/s n]vfk/LIf)f z'Ns 339,000 113,000 cGo vr{ 138,161 307,372 16= /sd :yfgfGt/)f sdLzg – 17= l:y/ ;DklQdf x|f; s^\^L 5,174,949 3,600,465 18= k"j{ ;~rfng vr{ ckn]vg – – 19= z]o/ lgisfzg vr{ 120,299 45,000 20= k|fljlws ;]jf ;f]wegf{ 851,697 530,637 21= dgf]/Ghg vr{ 144,610 93,775 22= ckn]vg vr{ 675,547 432,847 23= ;'/Iff vr{ 2,908,796 2,196,720 24= lgIf]k ;'/If)f ljdf 585,126 1,172,678 25= sldzg / l*:sfpG^ – – 26= cGo s= OGwg vr{ 584,505 673,220 v= cGo sfof{no vr{ 2,054,695 1,061,838 u= SnLcl/ª ;DalGw vr{ 293,801 258,605 #= ;b:otf z'Ns 693,608 106,194 ª= a}+s rfh{ 4,170 2,730 r= a}+s aflif{sf]T;a sfo{qmd vr{ 542,867 461,225

hDdf 22,467,049 17,270,292

36 @)cf}+jflif{s

k|ltj]bg


;+efljt gf]S;fgL Joj:yfldlt 2072 >fj)f 1 b]lv 2073 ;fn cfiff( d;fGt;Dd

cg';"rL 4=25ljj/)f o; jif{ ?= ut jif{ ?

1= shf{ gf]S;fgL Joj:yfdf ePsf] j[l$ – 9,791,6852= nufgL gf]S;fgL Joj:yfdf ePsf] j[l$ 975,859 –3= u}/ j}+lsª ;DklQ gf]S;fgL Joj:yf – –4= cGo ;DklQdf ul/Psf] Joj:yf – –

hDdf 975,859 9,791,685

u}/ ;~rfng cfDbfgL÷-gf]S;fg_ldlt 2072 >fj)f 1 b]lv 2073 ;fn cfiff( d;fGt;Dd


1= nufgL ljqmLaf^ cfDbfgL÷-gf]S;fg_ 15,970,617 –2= ;DklQ ljqmLaf^ cfDbfgL÷-gf]S;fg_ -57,790_ 5,813,403 3= nfef+z 35,150 –4= g]kfn /fi^« a}+saf^ k|fKt ;x'lnots= tf]lsPsf] zfvfx?sf] gf]S;fg jfkt Ifltk"lt{ – –v= Jofh Ifltk"lt{ – –u= ;^xL sfpG^/ – –5= cGo -#/ef*f_ 441,500 501,993 v'b u}/ ;~rfng cfDbfgL÷-g]fS;fg_ 16,389,477 6,315,396

;+efljt gf]S;fgL Joj:yfaf6 lkmtf{ldlt 2072 >fj)f 1 b]lv 2073 ;fn cfiff( d;fGt;Dd


1= shf{ gf]S;fgL Joj:yfaf^ lkmtf{ 1,417,592 2= u}/ j}+lsª ;DklQ gf]S;fgL Joj:yfaf^ lkmtf{ – 114,686,597 3= nufgL Joj:yfaf^ lkmtf{ – –4= cGo ;DklQsf] Joj:yfaf^ lkmtf{ – –

hDdf 1,417,592 114,686,597

c;fdfGo sf/f]jf/x?af6 ePsf] cfDbfgL÷-vr{_ldlt 2072 >fj)f 1 b]lv 2073 ;fn cfiff( d;fGt;Dd

cg';"rL 4=28

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

1= ckn]vg ePsf] shf{sf] c;'nL – –

2= :j]lR%s cjsfz vr{ – –

3= c;'nL x'g g;Sg] shf{sf] ckn]vg -4=28 s_ – -838,148_

4= cGo vr{÷cfDbfgL – –

5= ========================================= – –

hDdf – -838,148_

37@)cf}+jflif{s

k|ltj]bg


ckn]lvt shf{sf] ljj/0fldlt 2072 >fj)f 1 b]lv 2073 ;fn cfiff( d;fGt;Dd

cg';"rL 4=28 -s_

qm+=

;+=shf{ k|sf/

ckn]vg

ul/Psf] /sd

lwtf]sf] k|sf/

tyf /sd

lwtf] d"Nof°gsf]

cfwf/

shf{ :jLs[t ug]{

clwsf/L÷tx

shf{ c;'nLsf

nflu eP

u/]sf k|of;

s}lkmot

1= rfn' k"+hL shf{ –

2= kl/of]hgf shf{ –

3= l:y/ k"+hL shf{ –

4= JolQmut shf{ –

5= cGo shf{

s"n shf{ –

gf]^ M cfly{s jif{el/df ckn]vg ul/Psf] shf{sf] ljj/)f dfly pNn]v ug'{kg]{% .

;~rfns, sfo{sf/L k|d'v, ;+:yfks, sd{rf/L z]o/xf]N8/x?nfO{ uPsf] shf{ ;fk6 ljj/0f2073 ;fn cfiff( d;fGt

cg';"rL 4=29

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

;+:yfks÷;!rfns÷sfo{sf/L

k|d"vsf] gfd

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

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

s_ ;~rfns

1= – – – – – – –

2= – – – – – – –

v_ sfo{sf/L k|d'v

1= – – – – – – –

2= – – – – – – –

u_ ;+:yfks

1= – – – – – – –

2= – – – – – – –

#_ sd{rf/L

1= – – – – – – –

2= – – – – – – –

ª_ z]o/wgLx?

1= – – – – – – –

2= – – – – – – –

hDdf – – – – – – –

38 @)cf}+jflif{s

k|ltj]bg


k"“hLsf]if tflnsf2073 ;fn cfiff( d;fGt

cg';"rL 4=30ljj/)f o; jif{ ?= ut jif{

-s_ k|fylds k"“hL 684,268,349 550,847,816 1= r'Qmf k"+“hL -;fwf/)f z]o/_ 491,119,200 330,720,000 2= k|:tfljt jf]gz z]o/ 66,301,092 160,399,200 3= z]o/ lk|ldod – –4= lkmtf{ gx'g] cu|flwsf/ z]o/ – –5= ;fwf/)f hu]*f sf]if 125,835,852 108,231,592 6= ;l`rt gfkmf÷gf]S;fg 1,012,205 1,073,817 7= jf;nftdf b]vfOPsf] rfn' cf=j=sf] gfkmf-gf]S;fg lx;fjsf] /sd – –8= k"“hL lkmtf{ hu]*f sf]if – –9= k"“hL ;dfof]hg sf]if – –10= sN; Og P*efG; – –11= cGo :jtGq sf]ifx? 518,290 77,158 #^fpg] – –VoftL (Goodwill) jfktsf] /sd – –:yug s/ ;DklQ -518,290_;LdfeGbf a(L nufgL ul/Psf] /sd – –ljQLo :jfy{ /x]sf] sDkgLsf] lwtf]kqdf nufgL u/]sf] /sd – –cjf:tljs ;DkQL (Fictitious Assets) – – o; a}+ssf] lgb]{zg kfngf gu/L :jk|of]hgsf] nflu #/hUuf vl/b u/]sf] /sd -49,653,951_ ;LdfeGbf a(L cfjf; ejg lgdf{)f tyf hUuf ljsf;df nufgL u/]sf] /sd – – tf]lsPsf] ;do leq lalqm ljt/)f ug{ g;s]sf] z]o/ k|Tofe"tL – – k|rlnt P]g tyf sfg'gn] k|ltaGw u/]sf] JolQm tyf ;d"xnfO{ k|bfg u/]sf] shf{ tyf ;'ljwfx?

– –

-v_ k"/s k"“hL 29,665,255 25,823,147 1= c;n shf{sf] nflu ul/Psf] shf{ gf]S;fgL Joj:yf 26,001,838 22,457,153 2= cltl/Qm shf{ gf]S;fgL Joj:yf 3,416,520 3,365,994 3= xfOlj|* k"+hL pks/)fx? – –4= ;'/If)f g/flvPsf] ;xfos cfjlws ¥)f – –5= ;^xL ;lds/)f sf]if – –6= ;DklQ k"g{d"Nof°g sf]if – –7= nufgL ;dfof]hg sf]if 246,896 –

-u_ hDdf k"+hLsf]if -s±v_ 713,933,604 576,670,963 -#_ hf]lvd efl/t ;DklQsf] cfwf/df sfod

ug'{kg]{ Go"gtd k"+hLsf]ifk"+hLsf]if 11 -k|ltzt_ 346,494,821 305,289,411 k|fylds k"+hL 5=5 -k|ltzt_ 173,247,410 152,644,705 k"+hLsf]if 11=66 clws/-Go'g_ -k|ltztn]_ 367,438,783 271,381,552 k|fylds k"+hL 16=22 clws÷-Go"g_ -k|ltztn]_ 511,020,939 398,203,111

39@)cf}+jflif{s

k|ltj]bg


hf]lvd efl/t ;DklQ ljj/0f tflnsf2073 ;fn cfiff( d;fGt

cg';"rL 4=30 -s_

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

/sdhf]lvd efl/t

;DklQ/sd

hf]lvd efl/t ;DklQ

jf;nft adf]lhdsf] ;DklQgub df}Hbft 0 27,027,720 – 13,350,016 –;'g -ljlgodof]Uo_ 0 – – – –g]kfn /fi^« a}+sdf /x]sf] df}Hbft 0 65,685,385 – 45,720,187 –g]kfn ;/sf/sf] C)fkqdf ul/Psf] nufgL 0 128,000,000 – 108,000,000 –g]kfn /fi^« a}+s C)fkqdf ul/Psf] nufgL 0 – – – –cfkm\g} d'@tL /;Lbsf] lwtf]df k")f{ ;'/lIft x'g] u/L k|bfg ul/Psf] d'@tL /;Lb lwtf] shf{ 0 14,753,432 – 12,324,000 –;/sf/L C)fkqsf]] lwtf]df k")f{ ;'/lIft x'g] u/L k|bfg ul/Psf] shf{ 0 – – – –jrt kqsf] kfpg' kg]{ Jofh /sd (Accrued Interest) 0 – – – –ljkGg ju{ shf{ cGtu{t u)fgf x'g] o'jf tyf ;fgf Joj;foL :j/f]huf/ sf]ifdf ‘v’ / ‘u’ ju{sf Ohfhtkq k|fKt ;+:yfn] hDdf u/]sf] /sd

0 – – – –

:jb]zL a}+s÷ljQLo ;+:yfx?df /x]sf] df}Hbft / d'@tL /;Lbsf] bflj (Claims) 20 221,000 44,200 216,000 43,200cGo a}+s÷ljQLo ;+:yfx?sf] d'@tL /;Lbsf] lwtf]df k")f{ ;'/lIft x'g] u/L k|bfg ul/Psf] d'@tL /;Lb lwtf] shf{

20 – – – –

ljb]zL a}+sx?df /x]sf] df}Hbft 20 – – – –dfu]sf] avt k|fKt x'g] /sd (Money at Call) 20 814,725,335 162,945,067 822,336,062 164,467,212cGt/f{li^«o >])fLs[t-Rated_Ohfhtkqk|fKt ;+:yfsf] Uof/])^Ldf uPsf] shf{ 20 – – – –cGt/f{li^«o >])fLs[t-Rated_a}+sdf u/]sf] cGo nufgL 20 – – – –cGt/ j}+s ;fk^L 20 – – – –z]o/, l*a]~r/ Pj+ a)*df ePsf] nufgL 100 12,344,789 12,344,789 1,205,530 1,205,530cGo nufgLx? 100 – – – –shf{, ;fk^ tyf ljN; v/Lb÷l*:sfp)^ 100 2,629,483,610 2,629,483,610 2,291,399,666 2,291,399,666l:y/ ;DklQx? 100 147,184,843 147,184,843 138,496,930 138,496,930kfpg" kg]{ cGo v"b Jofh /sd 100 – – – –cGo ;j} ;DklQx? -v"b cu|Ld s/ bflvnf afx]s_ 100 5,694,381 5,694,381 7,707,926 7,707,926;Ldf gf#]sf] l/on :^]^ cfjf;Lo #/ shf{ 150 – – – –-s_ hDdf 3,845,120,497 2,957,696,892 3,440,756,317 2,603,320,464jf;nft jflx/sf] sf/f]jf/ljN; sn]S;g 0 – – – –clu|d ljb]zL ljlgdo ;Demf}tf 10 – – – –6 dlxgf eGbf sd cjlwsf] k|lttkq -k'/} /sd_ 20 – – – –cGt/f+li^«o >])FLs[t -Rated_ ljb]zL j}+ssf] sfp)^/ Uof/])^Ldf hf/L ul/Psf] Uof/])^L

20 – – – –

6 dlxgf eGbf al( cjlwsf] k|lttkq -k'/} /sd_ 50 – – – –lj*j)*, k/km/d]G; j)* / k|Tofe'lt (Underwriting) ;DjlGw k|ltj$tf 50 – – – –k'gM v/Lb ug]{ zt{df las|L u/]sf] shf{ 100 – – – –clu|d e'QmfgL Uof/])^L (Advance Payment Guarantee) 100 – – – –ljQLo tyf cGo hdfgt (Financial And other Guarantee) 100 – – – –ckl/jTo{ shf{ k|ltj$tf (Irrevocable Loan Commitment) 100 – – – –cfos/ jfkt ;Defljt bfloTj 100 – – – –Acceptance ;lxt cGo ;j} k|sf/sf ;Defljt bfloTjx? 100 – – – –e'StfgLsf nflu bfjL k/]sf] hdfgt (Unpaid Guarantee Claims) 200 – –;~rfng hf]lvd afkt 100 192,256,025 192,256,025 172,037,816 172,037,816

-v_ hDdf 192,256,025 192,256,025 172,037,816 172,037,816s'n hf]lvd efl/t ;DklQ 4,037,376,522 3,149,952,916 3,612,794,133 2,775,358,280

40 @)cf}+jflif{s

k|ltj]bg


laut kf“r jif{sf k|d'v ;"rsf°2073 ;fn cfiff( d;fGt

cg';"rL 4=31

ljj/)f ;"rsf° cf=j=

2072÷73

cf=j=

2071÷72

cf=j=

2070÷71

cf=j=

2069÷70

cf=j=

2068÷69

1= v'b gfkmf÷s'n cfDbfgL k|ltzt k|ltzt 24.20 43.46 23.00 6.17 -6.63_

2= k|lt z]o/ cfDbfgL ?= 17.90 47.27 20.81 5.12 -5.35_

3= k|lt z]o/ ahf/ d"No ?= 353 338 240 92 128

4= d"No cfDbfgL cg'kft (PE Ratio) cg'kft 19.72 7.15 12 17.96 -23.93_

5= z]o/ k"“hLdf nfef+z -af]g; ;lxt_ k|ltzt 14.21 51.05 16 –

6= z]o/ k"“hLdf gub nfef+z e'QmfgL k|ltzt 0.71 2.55 10 –

7= Jofh cfDbfgL÷shf{ tyf ;fk^ k|ltzt 11.22 13.51 12.26 12.44 14.16

8= sd{rf/L vr{÷s'n ;~rfng vr{ k|ltzt 14.89 16.54 10.06 6.05 4.99

9= s'n lgIf]k tyf ;fk^Ldf Jofh vr{ k|ltzt 6.33 6.33 6.33 8.66 9.32

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

11= sd{rf/L af]g;÷s'n sd{rf/L vr{ k|ltzt 35.34 56.95 39.90 13.38 –

12= v'b gfkmf÷shf{ ;fk^ k|ltzt 3.33 6.79 3.23 0.94 -1.20_

13= v'b gfkmf÷s'n ;DklQ cg'kft 2.31 4.60 2.22 0.64 -0.76_

14= s'n shf{÷lgIf]k k|ltzt 86.82 84.83 87.11 84.69 64.89

15= s'n ;~rfng vr{÷s'n ;DklQ k|ltzt 6.27 7.03 7.46 8.06 8.37

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

s_ k|fylds k"“hL k|ltzt 21.72 19.85 16.42 19.04 23.20

v_ k"/s k"“hL k|ltzt 0.94 0.93 0.77 0.81 0.72

u_ s'n k"“hL sf]if k|ltzt 22.66 20.78 17.19 19.85 23.92

17= t/ntf (CRR) cg'kft 2.65 2.22 6.17 2.96 8.35

18= lgis[o shf{÷s'n shf{ k|ltzt 1.67 2.22 2.25 3.65 10.85

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

k|ltzt 4.89 4.82 5.93 4.02 4.84

20= j's g]^jy{ ?=xhf/df 684,268 550,848 418,677 381,534 402,895

21= s'n z]o/ ;+Vof 4,911,192 3,307,200 3,120,000 3,120,000 3,120,000

22= s'n sd{rf/L ;+Vof 64 55 40 35 33

23= s'n shf{÷lgIf]k -g]=/f= a}+s cg';f/_ k|ltzt 70.90 70.53 73.75 71.13 –

41@)cf}+jflif{s

k|ltj]bg


k|d'v n]vf gLltx?cfly{s jif{ 2072÷073

cg';"rL 4=32

!= ;fdfGo hfgsf/L

kf]v/f kmfOgfG; lnld6]8 -o; kl5 æljQLo ;+:yfÆ elgPsf]_ g]kfndf :yflkt l;ldt bfloTj ePsf] sDkgL xf] . o;sf] s]lGb|o sfof{no kf]v/fdf /x]sf] 5 .

o; ljQLo ;+:yf sDkgL /lhi6«f/ sfof{nodf @)%@ ;fn kf}if dlxgf )@ ut] btf{ eO{ g]kfn /fi6« a}+saf6 :jLs[lt k|fKt u/L @)%# ;fn r}q )# ut] b]lv g]kfndf a}+lsË Joj;fo ;~rfng ul//x]sf] …uÚ au{sf] ljQLo ;+:yf xf] . ljQLo ;+:yfsf ;~rfns ;ldlt tyf g]kfn /fi6« a+}ssf] :jLs[lt k|fKt u/L oL ljQLo ljj/0fx? k|sfzg ul/Psf 5g\ .

@= ljQLo ljj/0f tof/Lsf cfwf/x?

ljQLo ljj/0fx? P]ltxfl;s nfutsf] cfwf/df /xL tof/ u/LPsf 5g\ . g]kfn n]vfdfg / n]vfsf ;a{dfGo l;4fGtx? ;+u d]n vfg] ljQLo ljj/0f tof/ kfg{ s]xL dxTjk'0f{ n]vf cjwf/0ff (Critical Accounting Assumption) tyf n]vf gLlt nfu' u/fpg Joj:yfkgsf] ljj]ssf] cfjZostf x'g] x'Fbf ;f]xL cg'?k ul/Psf] 5 . cGoyf pNn]v ul/Psf] afx]s k|f]befjL cfwf/ (Accrual Basis) df ljQLo ljj/0fx? tof/ kfl/Psf 5g\ . ljQLo ljj/0fx? g]kfn /fi6« a}+sn] tf]s]sf] 9fFrf cg'?k 5g\ .

#= cg'kfngsf] jofg (Statement of Compliance)

g]kfndf dfGo n]vfdfg (Nepal Accounting Standard), n]vfsf ;j{dfGo l;4fGt (Generally Accepted Accounting

Principle), sDkgL P]g @)^#, a+}s tyf ljQLo ;+:yf ;DaGwL P]g, @)^# tyf g]kfn /fi6« a+}ssf] lgb]{zg tyf kl/kqsf] clwgdf /xL ljQLo ljj/0fx? tof/ kf/LPsf 5g\ .

$= k|d'v n]vf gLltsf] ;f/f+z

ljQLo ;+:yfsf] cfly{s ljj/0fx?sf] nflu cjnDag ul/Psf k|d'v n]vf gLltx? lgDgfg';f/ /x]sf 5g\ . oL gLltx? pNn]lvt jif{x?df cGoyf pNn]v ePsf]df afx]s lg/Gt/ ?kdf cg';/0f ul/Psf 5g\ . oL ljQLo ljj/0fx? cGoyf pNn]v ePsf]df afx]s P]ltxfl;s nfut cjwf/0ffsf] cfwf/df tof/ kfl/Psf 5g\.

$=!= cfDbfgL s_ Jofh cfoshf{df lnO{g] Aofh #^% lbgnfO{ Ps jif{sf] cfwf/ dfgL u0fgf ul/Psf] 5 . shf{ ;fk6df kfs]sf] Aofh g]kfn /fi6« a}+sn] tf]s] adf]lhd Cash Basis df n]vf /fVg] gLlt ckgfO{Psf] 5 . v_ sldzg cfo laleGg sf/f]af/x?af6 k|fKt u/]sf] sldzg cfDbfgLnfO{ k|f]befjL cfwf/ (Accrual Basis) df n]vfÍg ul/Psf] 5 .u_ nfef+z cfoz]o/ nufgLaf6 k|fKt x'g] nfef+z cfonfO{ k|fKtLsf] xs (Right to Receive) sfod ePsf] cfwf/df n]vfÍg ug]{ gLlt lnO{Psf] 5 .

$=@ vr{s_ Jofh vr{lgIf]k bfloTj tyf ;fk6Ldf ltg'{kg]{ JofhnfO{ k|f]befjL cfwf/ (Accrual Basis) df n]vfÍg ul/Psf] 5 . o;/L n]vfÍg ubf{ #^% lbgnfO{ ! jif{sf] cfwf/ dfgL u0fgf u/LPsf] 5 .v_ labf afktsf] /sd ljQLo ;+:yfdf sfo{/t sd{rf/Lx?sf] jiff{Gtdf kfs]sf] labf -;+lrt ljbf_ afkt kfpg] /sdnfO{ gub cfwf/ (Cash

Basis) df vr{ n]Vg] gLlt ckgfO{Psf] 5 .

42 @)cf}+jflif{s

k|ltj]bg


$=# shf{ tyf ;fk6

g]kfn /fi6« a+}ssf] lgb]{zgsf] cflwgdf /xL hf]lvdsf] cfwf/df o; lzif{s cGtu{t /x]sf shf{x?nfO{ c;n, sd;n, z+sf:kb tyf v/fa ju{df auL{s[t ug]{ gLlt cjnDag ul/Psf] 5 . pQm shf{ tyf ;fk6 /sdaf6 shf{ gf]S;fgL Joj:yf 36fO{ v'b /sd -cg';'rL $=!# df u0fgf ePcg';f/_ jf;nftdf b]vfOPsf] 5 .

$=$ sd{rf/L shf{

ljQLo ;+:yfsf] sd{rf/L ljlgodfjnLsf] clwgdf /xL sd{rf/Lx?nfO{ k|bfg ul/Psf shf{ tyf ;fk6Lx? …cGo ;DkQLÚ cGtu{t b]vfOPsf] 5 .

$=% shf{ gf]S;fgL Aoj:yf

ljQLo ;+:yfsf] shf{ ;fk6L tyf k§f vl/bdf lglxt hf]lvdnfO{ Go'g ug{ g]kfn /fi6« a+}ssf] lgb]{zgsf] cfwf/df shf{ ;fk6 tyf k§f vl/bsf] ;fFjf tyf Jofh /sdsf] aSof}tfsf] cfwf/df shf{ ;fk6 tyf k§f vl/bnfO{ n]vf gLlt $=# adf]lhd jlu{s/0f u/L ! b]lv !)) k|ltzt ;Dd shf{ gf]S;fgL Joj:yf ul/Psf] 5 .

$=^ shf{ ckn]vg gLlt

;+:yfn] c;'n x'g g;Sg] shf{x?sf] ckn]vg ubf{ g]kfn /fi6« a+}sn] hf/L u/]sf] lgb]{zgsf] clwgdf /xL C0f pk/ ljQLo ;+:yfsf] bfjLnfO{ clal5Gg /fvL lstfaL ckn]vg ug]{ gLlt cjnDag u/LPsf] 5 . ckn]vg u/L;s]sf] shf{af6 c;'n pk/ x'g] ;fFjf tyf Jofh /sdnfO{ k|fKt ePsf] jif{df cfDbfgL hgfpg] gLlt /x]sf] 5 .

$=& u}/ a+}lsË ;DklQsf] n]vfÍg gLlt

lwtf]df /x]sf] ;DklQ lnnfd laqmLaf6 ;+:yfsf] shf{ c;'n ug]{ k|lqmof ckgfpFbf laqmL x'g g;s]sf] ;DklQ -3/ tyf hUuf_ g]kfn ;/sf/sf :yfgLo k|ltlglw tyf k|fljlwsx?sf] /f]xj/df lgwf{l/t d'Nodf ;+:yfn] cfkm} ;sf/ u/L pNn]lvt ;DklQ cfˆgf] gfddf gfd;f/L u/L u}/ a}+lsË ;DklQdf b]vfOg]] 5 . o;/L lwtf] ;sf/ ubf{ lwtf]df /x]sf ;DklQx?sf] ahf/ d'NonfO{ Wofgdf /fvL shf{ /sd / lwtf]sf] ahf/ d'Nodf h'g sd 5 ;f]xL d'No df ;sf/ ug]{ gLlt /x]sf] 5 . lwtf]sf] ahf/ d'No shf{sf] n]gf /sd eGbf sd ePdf sd eP hlt /sd ;f]xL cfly{s jif{df gfkmf÷gf]S;fg lx;fadf vr{ n]Vg] gLlt /x]sf] 5 .

dfly pNn]lvt eP adf]lhd u}/ a}+lsË ;DklQsf] d'NofÍg ubf{ ;f] afktsf] /sd ;Dk'0f{ ?kdf lx;fa ldnfg geP;Dd n]gf /sd dWo]sf] Aofh /sdnfO{ cfDbfgL gb]vfO To:tf] /sdnfO{ u}/ a}+lsË ;DklQ afktsf] gf]S;fgL Joa:yfdf ;fg]{ gLlt ckgfOPsf] 5 .

$=*_ nufgL ;DalGw gLlts_ e'QmfgL ldtL ;Dd wf/0f ug]{ nufgL (Held to Maturity)

g]kfn ;/sf/sf] lasf; kq, C0fkq, art kq h:tf ;/sf/L lwtf]kqx?df ul/Psf] nufgLnfO{ e'QmfgL ldtL ;Dd wf/0f ug]{ gLlt cg'?k æe'QmfgL ldtL ;Dd wf/0f ug]{ nufgLÆ cGtu{t k/n d'No cyjf lk|ldod jf l8:sfp06 ;dfof]hg u/LPsf] k/n d'No df n]vfÍg ul/Psf] 5 . lk|ldod tyf l8:sfp06 /sdnfO{ afFsL e'QmfgL cjlwsf] cfwf/df gfkmf gf]S;fg lx;fadf n]vfÍg ug]{ gLlt /x]sf] 5 .

v_ Jofkfl/s nufgL (Held for Trading)

5f]6f] cjlwdf gfkmf sdfpg] p2]Zon] ul/Psf] nufgLnfO{ k/n d'No tyf ahf/ d'No h'g sd 5, ;f] d'Nodf n]vfÍg ug]{ gLlt /x]sf] 5 . k/n d'No eGbf ahf/ d'No 36L ePsf] cj:yfdf ;Defljt hf]lvd Joxf]g]{ gf]S;fgL Joj:yf u/L v'b nufgL b]vfpg] gLlt /x]sf] 5 .

43@)cf}+jflif{s

k|ltj]bg


u_ laqmLsf] nflu pknAw nufgL (Available For Sale) v08 -s_ / -v_ df pNn]lvt afx]ssf nufgLnfO{ ælaqmLsf] nflu pknAw nufgLÆ lzif{s cGtu{t n]vfÍg ug]{ gLlt /x]sf] 5 . k/n d'No eGbf ahf/ d'No 36L ePsf] cj:yfdf ;Defljt hf]lvd Joxf]g]{ gf]S;fgL Joj:yf u/L v'b nufgL b]vfpg] gLlt /x]sf] 5 .lwtf]kq ahf/df ;'lrs/0f gul/Psf] v08 -v_ / -u_ adf]lhdsf nufgL k/n d'Nodf g} n]vfÍg ug]{ gLlt /x]sf] 5 .

$=(_ l:y/ ;DklQsf] n]vfÍg tyf x|f; sl§ gLlt s_ l:y/ ;DklQx? P]ltxfl;s nfut cjwf/0ff (Historical Cost Concept) sf] cfwf/df b]vfO{Psf] 5 .

v_ ljQLo ;+:yfn] ?= %,))) eGbf sd d'No kg]{ l:y/ ;DklQ k|s[ltsf ;fdfgx? Vl/b ubf{ kF"hLs/0f gu/L ;f]´} vr{ n]Vg] gLlt ckgfOPsf] 5 .

u_ g]kfn n]vfdfg ̂ adf]lhd l:y/ ;DklQsf] x|f; sl§ 36\bf] d'No k|0ffnL (WDV) sf] cfwf/df cfos/ P]g, @)%* n] tf]lslbPsf] b/ cg';f/ ul/Psf] 5 .

3_ k§f lasf; vr{nfO s/f/ cjlwsf] cfwf/df ckn]vg ug]{ gLlt /x]sf] 5 .

$=!)_ :6]zg/L df}Hbft

ljQLo ;+:yfn] vl/b u/]sf :6]zg/L cyf{t d;nGb tyf 5kfO{sf ;fdfu|Lx?sf] pkof]usf] cfwf/df vr{ n]vL jif{sf] cGTodf afFsL /x]sf df}Hbftsf] cfwf/df nfut d'Nodf n]vfÍg ug]{ gLlt lnO{Psf] 5 .

$=!!_ :yug s/ g]kfn n]vfdfg ( cg';f/ ;DklQ tyf bfloTjsf] cfwf/df :yug u/LPsf] s/sf] n]vfÍg ul/Psf] 5 . ljQLo ljj/0f cg';f/ ;DklQ tyf bfloTjsf] /sd tyf s/sf cfwf/ aLr km/s eO{ ;[hgf x'g] c:yfO{ km/s (Temporary

Difference) sf] sf/0fn] eljiodf ;[hgf x'g] s/ bfloTj tyf ;DklQsf] nfut /fVg] p2]Zon] :yug s/sf] n]vfÍg ul/Psf] 5 .

$=!@_ cfos/ Joj:yf gLlt

ljQLo ;+:yfn] k|rlnt cfos/ P]g tyf lgodfjnL adf]lhd s/ of]Uo cfosf] u0fgf u/L ;f]xL adf]lhd cfos/ Joj:yf ug]{ gLlt lnPsf] 5 .

$=!#_ k"j{ ;~rfng vr{ tyf Deferred Revenue vr{

sDkgLn] k'j{ ;~rfng vr{sf] ;Dk'0f{ /sd ckn]vg eO;s]sf]] tyf z]o/ lgisfzg / zfvf k'j{ ;~rfng vr{ tyf cGo k/ ;f/LPsf vr{x? % aif{ leqdf ckn]vg ug]{ gLlt ckgfPsf] 5 .

$=!$_ ;fwf/0f hu]8fsf]if n]vfÍg gLlt

z]o/ k'FhLsf] bf]Aa/ gx'Fbf;Dd k|rlnt sfg'gdf Joj:yf eP cg';f/ k|To]s jif{sf] s/ k5fl8sf] gfkmfsf] @) k|ltzt /sd ;fwf/0f hu]8f sf]ifdf ;fg]{ gLlt /x]sf] 5 .

$=!%_ sd{rf/L pkbfg n]vfÍg gLlt

ljQLo ljj/0f tof/ ubf{ sd{rf/Lx?sf] pkbfg Joj:yfsf] nflu, ;f]xL ldlt ;Ddsf] pkbfg of]Uo sd{rf/Lx?n] k'/f u/]sf] ;]jf cjlwsf] cfwf/df pkbfg vr{ b]vfO{ Joj:yf ug]{ gLlt /x]sf] 5 .

$=!^_ sd{rf/L af]g; n]vfÍg gLlt

af]g; P]g, @)#) sf] k|fjwfg cg';f/ v'b gfkmfsf] !) k|ltzt a/fa/ x'g] /sd sd{rf/L af]g; Joj:yfdf /sdfGt/0f u/L ;f] P]gn] Joj:yf u/] adf]lhd lat/0f ug]{ gLlt /x]sf] 5 .

44 @)cf}+jflif{s

k|ltj]bg


n]vf ;DalGw l6Kk0fLx?cfly{s jif{ 2072÷073

cg';'rL $=##

!= Jofh cfDbfgL tyf Jofh d'NtjL

g]kfn /fi6« a}+ssf] lgb]{lzsf cg';f/ shf{ tyf ;fk6df cflh{t Jofh cfDbfgLnfO{ gub k|flKtsf] cfwf/df dfq cfDbfgL b]vfpg]

k|fjwfg cg'?k shf{ tyf ;fk6df k|fKt Jofhsf] n]vf+sg ul/Psf] 5, . @)&# cfiff9 d;fGtsf] lbg;Dddf k|fKt x'g'kg]{ Jofh

?= 80,725,239 Jofh d'NtjL vftfdf b]vfOPsf] 5 .

@= sd{rf/L cfjf; sf]if

>d P]g, @)$* df k|fjwfg ePtfklg sdr{f/L cfjf; sf]ifsf] 5'§} Joj:yf ul/Psf] 5}g .

#= sd{rf/L af]g; tyf pkbfg ;DaGwL Joj:yf

ljQLo ;+:yfn] o; cf=a=df sd{rf/L af]g;sf] nflu ?=!@,%^),!&@ / sd{rf/L pkbfgsf] nflu ?= !,@(),&%( Joj:yf

u/]sf] 5 .

$= cfkm\gf] ;DklQ lwtf] /fvL lnPsf] ;fk6L ljj/0f

ljQLo ;+:yfn] ;'/If0fsf] ?kdf cfkm\gf] ;DklQ lwtf] /fvL s'g} shf{ lnPsf] 5}g .

%= z]o/ jfkt k|fKt x'g] af‘‘sL /sd (Calls In Arrear)

ljQLo ;+:yfsf] jiff{Gt ;Dd z]o/ jfkt k|fKt x'g afFsL /sd 5}g .

^= lx;fa ldnfgsf] cj:yf

ljQLo ;+:yfn] :yfgLo a}+s tyf ljQLo ;+:yfx?df /x]sf] vftfsf] lx;fa ldnfg ! dlxgfsf] cGt/fndf u/]tf klg zfvf

/ c? vftfsf] lx;fa ldnfg eg] b}lgs ?kdf ug]{ u/]sf] 5 .

&= ;fwf/0f hu]8f sf]if

ljQLo ;+:yfn] cf=a= @)&@÷&# df v'b d'gfkmf ?=**,)@!,@(* sf] @) k|ltztsf b/n] ?= !&,^)$,@^) ;fwf/0f hu]8f

sf]ifdf /sdfGt/0f u/]sf] 5 .

*= u}/ a}lsË ;DklQ

ljQLo ;+:yfdf @)&# cfiff9 d;fGtdf s'g}klg u}/ a}lsË ;DklQ /x]sf] 5}g .

(= Psfu|tfsf] ljj/0f

ljQLo ;+:yfsf] ;DklQ tyf bfloTj ;Fu ;DalGwt tyf jf;nft aflx/sf] sf/f]af/ s'g} Ps JolSt, kmd{, ;+3 ;+:yf tyf

s'g} Ps If]qdf clws]lGb|t eO{ g]kfn /fi6« a}ssf] lgb]{zgsf] ;Ldf eGbf a9L ePsf] 5}g .

45@)cf}+jflif{s

k|ltj]bg


!)=shf{ tyf ;fk6 k|jfx,c;'nL tyf ;fjf Jofh ckn]vgsf] ;f/f+zljj/0f /sd ?=z'?sf] df}Hbft 2,303,723,666shf{ k|jfx 1,250,688,728shf{ c;'nL 910,175,352shf{ ckn]vgJofh ckn]vgclGtd df}Hbft 2,644,237,042

!!= ljQLo ;+:yfsf] efl/t cf}ift Jofhb/ cGt/ $=*( k|ltzt /x]sf] 5 .

!@= lgIf]k bfloTj ljj/0f ljj/)f o; jif{ ?= ut jif{ ?= k|utL k|ltzt

1= Jofh ltg'{ gkg]{ vftfx?

s= rNtL lx;fj – –v= dflh{g – – Jofh ltg'{ gkg]{ vftfx?sf] hDdf – –2= Jofh ltg'{ kg]{ vftfx?

s= jrt lx;fa 1,817,905,812 1,508,145,006 309,760,806 20.54v= d'$tL lx;fa 1,227,614,899.70 1,207,023,367 20,591,533 1.71u= dfu]sf] avt ltg'{ kg]{ lx;fa – 503,750 -503,750_ -100.00_Jofh ltg'{ kg]{ vftfx?sf] hDdf 3,045,520,712 2,715,672,124 329,848,588 12.15

hDdf lgIf]k -1±2_ 3,045,520,712 2,715,672,124 329,848,588 12.15

!#=;DklQsf] ckn]vgsf] ljj/0f ljj/0f ut aif{ sf] afFls ? yk vr{ ? o; jif{sf] ckn]vg /sd ?= v'b lstfaL d'No ?

k§f lasf; vr{ 2,553,302 2,546,601 873,704 4,226,199;km\6jo/ vr{ 1,352,440 415,500 675,547 1,092,393

!$= lgliqmo shf{ ljQLo ;+:yfsf] lgliqmo shf{ !=^& k|ltzt x'g uPsf] 5 .

!%= k|:tfljt nfef+z tyf af]g; z]o/ ljQLo ;+:yfn] o; cf=j=df ;+lrt d'gfkmfaf6 ?= ^^,#)!,)(@ ;dfof]hg ug]{ u/L z]o/ k"FhLsf] !#=%) k|ltztsf b/n] af]g; z]o/ tyf ;f] z]o/df nfUg] s/ afkt ;+lrt d'gfkmfaf6 ?= #,$*(,%#! ;dfof]hg ug]{ u/L z]o/ k"FhLsf] )=&! k|ltztsf b/n] gub nfef+z k|:tfj u/]sf] 5 .

!^= >f]t kl/rfngg]kfn /fi6« a+}sn] t/ntf ;DalGw hf]lvdnfO{ Go"lgs/0f ug{] p2]Zon] hf/L u/]sf] ljQLo ;+:yfsf] >f]t kl/rfngsf] dfkb08 cg'?k, ljQLo ;+:yfsf] :jb]zL lgIf]k tyf k|fylds kF"hLdf s'n shf{ ;fk6sf] c+z &)=() k|ltzt /x]sf]df :jb]zL lgIf]kdf dfq s'n shf{ ;fk6sf] c+z *^=*@ k|ltzt /xg uPsf] 5 .

46 @)cf}+jflif{s

k|ltj]bg


!&= t/ntf ;DaGwdf ?= xhf/df

qm=;+= ljj/0f ;DklQ !–() lbg (!–!*) lbg!*!–@&)

lbg@&!–#^%

lbg! jif{ eGbf

a9Ls'n /sd

1 gub df}Hbft 27,028 – – – – 27,0282 a}+s tyf ljQLo ;+:yfdf /x]sf] df}Hbft 221 – – – – 2213 ljb]zL a}+sdf ul/Psf] nufgL – – – – – –4 sn dlg 814,725 – – – – 814,7255 ;/sf/L ;'/If0fkq – – – – – –6 g]kfn /fi6« a}+s C0f kq – – – – – –7 cGt/ a}+s tyf ljQLo ;+:yf nufgL – – – – – –8 shf{ ;fk6 317,308 264,424 528,847 661,059 872,598 2,644,2379 Kffpg' kg]{ Jofh 70,725 – – – 10,000 80,72510 l/e;{ l/kf]] – – – – – –11 k|lta4tf cGtu{t cGo ;+:yfx?af6

k|fKt x'g]– – – – – –

12 qm=;+= @), @! / @@ sf ;'ljwfx?sf] e'QmfgL

– – – – – –

13 cGo 36,467 – – – 28 36,495s'n ;DklQ 1,266,475 264,424 528,847 661,059 882,626 3,603,431

bfloTj14 rNtL lgIf]k – – – – – –15 Afrt lgIf]k 363,581 363,581 363,581 363,581 363,581 1,817,90616 d'2tL lgIf]k 122,761 184,142 245,523 61,381 613,807 1,227,61517 C0f kqx? – – – – – –18 ;fk6LM – – – – – – dfu tyf cNk ;"rgf – – – – – – cGt/ a}+s tyf ljQLo ;+:yf – – – – – – k"g/shf{ – – – – – – cGo – – – – – –19 cGo bfloTj tyf Joj:yfx?M – – – – – – ;08«L qm]l86;{ 8,443 – – – – 8,443 E'fQmfgL lbg'kg]{ lan – – – – – – E'fQmfgL lbg'kg]{ Aofh 40,429 – – – – 40,429 Joj:yfx? – – – – – cGo 3,158 – – – 2,820 5,97820 k|lta4tf cGtu{t cGo ;+:yfx?nfO{

lbg'kg]{– – – – – –

21 pkef]u e}g;s]sf] :jLs[t ;'ljwfx? – – – – – –22 k|lttkq tyf hdfgt -v'b_ – – – – – –23 l/kf] – – – – – –24 qm=;+= !! cGtu{tsf] ;'ljwfsf] e'QmfgL – – – – – –25 cGo – – – – – –

s'n bfloTj 538,372 547,723 609,104 424,962 980,209 3,100,370v'b ljQLo ;DklQ 728,103 -283,300_ -80,257_ 236,097 -97,582_ 503,062;l~rt v'b ljQLo ;DklQ 728,103 444,803 364,547 600,644 503,062

47@)cf}+jflif{s

k|ltj]bg


!*=:yug s/ ;DklQ÷bfloTj (Deferred Tax Assets/Liability)

ljj/0f bfloTj÷-;DklQ_ ?=

sd{rf/L k]G;g tyf pkbfg Joj:yf 2,820,025

v'b c:yfoL km/s 2,820,025

s/sf] b/ #)Ü

:yug s/ ;DklQ *$^,))&

;km\6j]o/ 1,092,393

v'b c:yfoL km/s 1,092,393

s/sf] b/ #)Ü

:yug s/ bfloTj 327,718

v'b :yug s/ ;Dklt 518,290

cl#Nnf] cf=a= ;Dd /x]sf] v'b :yug s/ ;Dklt 53,048

o; cf=a=df gfkmf gf]S;fg vftfdf b]vfOPsf] cfDbfgL 465,242

!(= cfos/ Joj:yfljQLo ;+:yfn]] cf=a= @)&@÷&# sf] nflu cfos/ P]g adf]lhd cfos/ bfloTj jfkt ?=#*,)$%,^^@ sf] Joj:yf u/]sf] 5 .

@)=nufgL ;DjGwdf ljQLo ;+:yfsf] nufgL jfkt o; cf=j= df ?= #%,!%) nfef+z cfDbfgL /x]sf]] 5 .

@!= zfvf lj:tf/cf=a= @)&@÷&# df o; ljQLo ;+:yfn] sf:sLsf] gof+k'n tyf tgx'sf] 8'd|]df zfvf vf]nL k|wfg sfof{no ;d]t ^ j6f zfvfx?Aff6 sf/f]af/ u/L/x]sf] 5 .

@@= ut cf=a @)&!÷&@ sf] c+sx? cfjZostf cg';f/ k'gM jlu{s/0f ul/Psf] 5 .

48 @)cf}+jflif{s

k|ltj]bg


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

cfly{s jif{ 2072÷073

cg';'rL $=#$

qm=;=

;+:yfks÷;+:yfks ;d"x cGtu{t kg]{ z]o/wgLsf] gfd

;+:yfkssf] :jfldTjdf sfod /x]sf] z]o/

shf{ ljj/0fs}lkmot

s"n lsQf ;+Vof

s"n r'Qmf k"FhLsf] k|ltzt

shf{ lnPsf] cGo a}+s÷ljQLo ;+:yfsf] gfd

shf{ /sd

lwtf]df /x]sf] z]o/ lsQf ;+Vof

49@)cf}+jflif{s

k|ltj]bg


@)&# cfiff9 d;fGtsf] ckl/is[t ljQLo ljj/0f / n]vfk/LIf0f ePsf] ljQLo ljj/0faLr b]lvPsf] cGt/

cg';'rL $=#%

Rs in '000

S.

No. Particulars

As per

Unaudited

Financial

Statement

As per

Audited

Financial

Statement

Variance

Reasons for Variance In

Amount

(Rs)

In %

1.0 Total Capital and Liabilities (1.1 to 1.7) 3,996,654 3,879,420 117,235 2.93

1.1 Paid up Capital 491,119 557,420 (66,301) (0.14) Adjustment for bonus share

1.2 Reserve and Surplus 196,895 127,613 69,282 35.19 Due to change in net proit & proposed bonus share 1.3 Debenture and Bond - - - -

1.4 Borrowings - - - -

1.5 Deposits (a+b) 3,045,521 3,045,521 - -

a. Domestic Currency 3,045,521 ,045,521 - -

b. Foreign Currency - - - -

1.6 Income Tax Liability - - -

1.7 Other Liabilities 263,119 148,865 114,254 43.42 Interaccount Adjustment

2 Total Assets (2.1 to 2.7) 3,996,654 3,879,420 117,235 2.93

2.1 Cash and Bank Balance 92,713 92,934 (221) (0.24) Interaccount Adjustment

2.2 Money at Call and Short Notice 805,906 814,725 (8,820) (1.09) Interaccount Adjustment for current deposit & interest receivable from bank

2.3 Investments 141,827 141,827 0 -

2.4 Loans and Advances 2,644,237 2,644,237 (0) (0.00)

2.5 Fixed Assets 148,263 147,185 1,079 0.73 Change in depreciation

2.6 Non Banking Assets - - - -

2.7 Other Assets 163,708 38,512 125,197 76.48 Interaccount Adjustment

3.0 Proit and Loss Account 3.1 Interest Income 327,544 327,544 - -

3.2 Interest Expense 180,612 180,612 - -

A. Net Interest Income (3.1 - 3.2) 146,932 146,932 - -

3.3 Fees, Commission and Discount 3,729 406 3,323 0.89 Interaccount Adjustment

3.4 Other Operating Income 15,749 19,442 (3,693) - Interaccount Adjustment

3.5 Foreign Exchange Gain/Loss (Net) - - - -

B. Total Operating Income (A+3.3+3.4+3.5) 166,409 166,779 (370) (0.00)

3.6 Staff Expenses 22,982 22,982 0 0.00

3.7 Other Operating Expenses 22,355 22,467 (112) (0.01) Change in expenses

C. Operating Proit Before Provision (B-3.6-3.7) 121,073 121,331 (258) 0.00

3.8 Provision for Possible Losses - 976 (976) - Due to provision for loss on investment

D. Operating Proit (C -3.8) 121,073 120,355 718 0.00

3.9 Non Operating Income/Expenses (Net) 16,447 16,389 58 -

3.10 Write Back of Provision for Possible Loss - 1,418 (1,418) - Change in LLP

E. Proit from Regular Activities (D+3.9+3.10) 137,520 138,162 (642) 0.00

3.1 Extraordinary Income/Expenses (Net) - - - -

F. Proit before Bonus and Taxes (E +3.11) 137,520 138,162 (642) 0.00

3.1 Provision for Staff Bonus 12,502 12,560 (58) -

3.1 Provision for Tax 37,506 37,580 (75) - adjustment for deferred tax and & current year taxation

G. Net Proit/Loss (F - 3.12 - 3.13) 87,513 88,021 (508) 0.00

50 @)cf}+jflif{s

k|ltj]bg


Unaudited Financial Results (Quarterly)

As at 4th Quarter (31/03/2073) of the Fiscal Year 2072/2073Rs in '000'

S.N. ParticularThis Quarter

Ending

Previous

Quarter Ending

Corresponding Previous

Year Qrt. Ending1 Total Capital & Liabilities(1.1 to 1.7) 3,996,654 4,009,000 3,507,663 1.1 Paid up Capital 491,119 491,119 330,720

1.2 Reserve and Surplus 196,895 145,182 271,334 1.3 Debenture and Bond1.4 Borrowing1.5 Deposits(a+b) 3,045,521 3,095,552 2,715,672

a. Domestic Currency 3,045,521 3,095,552 2,715,672 b. Foreign Currency

1.6 Income Tax Liability1.7 Other Liabilities 263,119 277,147 189,937 2 Total Assets(2.1 to 2.7) 3,996,654 4,009,000 3,507,663 2.1 Cash & Bank Balance 92,713 72,425 59,286 2.2 Money at Call & Short Notice 805,906 954,052 822,336 2.3 Investments 141,827 139,057 109,206 2.4 Loan & Advances (a+b+c+d+e+f) 2,644,237 2,523,318 2,303,724

a. Real Estate Loan 337,816 338,167 282,479 1.Residential REL (Except Personal Home loan upto Rs.10Million) 90,361 90,915 82,764 2. Business Complex & Residential Apartment Construction Loan3. Income generating Commercial Complex Loan4. Other RSL (Including Land purchase & Plotting) 247,454 247,252 199,715 b. Personal Home Loan of Rs 10 Million or Less 327,451 312,256 301,173 c. Margin Type Loan 18,360 d. Term Loan 718,524 695,027 1,128,896 e. Overdraft Loan/TR Loan/WC loan 562,425 539,820 f. Others 679,661 638,048 591,176

2.5 Fixed Assets 148,263 146,068 138,497 2.6 Non Banking Assets - - - 2.7 Other Assets 163,708 174,080 74,614

3 Proit & Loss Account Up to this

Quarter

Up to previous

Quarter

Upto corresponding

previous year Quarter 3.1 Interest Income 327,544 227,128 338,595 3.2 Interest Expense 180,612 137,360 182,083

A.Net Interest Income(3.1-3.2) 146,932 89,769 156,512 3.3 Fees,Comission& Discount 3,729 2,704 262 3.4 Other Operating Income 15,749 10,127 14,546 3.5 Foreign Exchange Gains/Loss(Net)

B. Total Operating Income(A.+3.3+3.4+3.5) 166,409 102,599 171,320 3.6 Staff Expenses 22,982 16,139 17,005 3.7 Other Operating Expenses 22,355 14,356 17,156

C. Operating Proit before provision(B.-3.6-3.7) 121,073 72,103 137,159 3.8 Provision for Possible Loss 15,848 9,792

D. Operating Proit(C.-3.8) 121,073 56,256 127,367 3.9 Non Operating Income/Expenses(Net) 16,447 6,315 3.10 Write Back of Provision for Possible Loss 114,687

E. Proit from regular activities(D.+3.9+3.10) 137,520 56,256 248,369 3.11 Extraordinary Income/Expenses(Net) (838)

F. Proit before Bonus and Taxes(E.+3.11) 137,520 56,256 247,531 3.12 Provision for Staff Bonus 12,502 5,114 22,503 3.13 Provision for Tax 37,506 15,342 68,617

G. Net Proit/ Loss(F.-3.12-3.13) 87,513 35,799 156,411

4 RatiosAt the end of

this Quarter

At the end of

previous Quarter

At the end of Corrsp.

Prev. year qtr 4.1 Capital Fund to RWA 22.20% 20.87% 21.69%4.2 Non Performing Loan(NPL) to Total Loan 1.67% 2.84% 2.22%4.3 Total Loan loss Provision to Total NPL 161.31% 155.85% 153.04%4.4 Cost of Funds 5.44% 5.70% 7.13%4.5 Credit to deposit Ratio (Calculated as per NRB Directives) 70.82% 67.62% 69.44%4.6 Base Rate 7.89% 8.04% 9.15%4.7 Spread Rate 5.75% 5.77% 4.82%Note : If the statutory and supervisory authority notify and remarks to change, the unaudited inancial statement could be changed accordingly.

51@)cf}+jflif{s

k|ltj]bg


52 @)cf}+jflif{s

k|ltj]bg


cfly{s jif{ @)&@÷&# sf] ljQLo ljj/0f k|sfzg :jLs[lt ;DaGwdf g]kfn /fi6« a}+saf6 k|fKt lgb]{zgx? pk/ o; ljQLo ;+:yfsf] ;~rfns ;ldltsf] ldlt @)&#÷)^÷)& sf] a}7sn] kfl/t u/]sf] k|ltlqmof

!= lgb]{zg adf]lhd o; ljQLo ;+:yfsf] shf{ gLlt cg'?k shf{ k|jfxk[\j{ cfjZos k|lqmof ;DkfbgkZrft\ dfq shf{ k|jfx ul/g] Pj+ ;f] sf] cg'udg Joj:yf lgoldt ?kdf /flvg] Joxf]/f cg'/f]w ub{5f}+ .

@= ljQLo ;+:yfsf] hf]lvd Joj:yfkg Pj+ n]vfk/LIf0f ;ldltsf] k|efjsf/L e[\ldsfsf] nflu PsLs[t lgb]{lzsfdf pNn]v eP cg'?k yk ljZn]if0f ul/g] Joxf]/f cg'/f]w ub{5f}+ .

#= cfGtl/s lgoGq0f k|0ffnLsf] k|efjsfl/tfsf nflu ;+:yfsf ljleGg ;ldltx?nfO{ yk sfo{zLn agfO{g] Pj+ ljefuLo k|d'vx?nfO{ :ki6 x'g] u/L clwsf/ k|Tofof]hgsf] Joj:yf ul/g] Joxf]/f cg'/f]w ub{5f}+ .

$= lgb]{zg cg'?k cj pk|fGt cfwf/ Jofhb/eGbf sd Jofhb/df shf{ nufgL gul/g] k|ltj4tf JoQm ub{5f}+ .

%= ;~rfng hf]lvd Go[\gLs/0fsf nflu e'QmfgL k[\hf{ (Withdrawal Slip) sf] k|of]unfO{ yk lg?T;flxt ul/g] Joxf]/f cg'/f]w ub{5f}+ .

^= cfGtl/s tyf afx\o n]vfk/LIf0f nufot To; a}+saf6 ul/Psf] :ynut lg/LIf0f / u}x| :ynut ;'kl/j]If0fsf qmddf lbO{Psf ;'emfj, s}lkmot / lgb]{zgx? clwsf+z ;'wf/ eO{;s]sf / s]xL sfof{Gjogdf /x]sf] Joxf]/f lgj]bg ub{5f}+ .

53@)cf}+jflif{s

k|ltj]bg


k|jGw

kq ;

+zf]w

g ljz]if

k|:tfj;

+u ;Da

lGwt

k|jGw

kqdf

ug'{k

g]{ ;+zf]w

gsf] tLg

dxn] ljj

/)f

qm+=;

+=xfnsf] Jo

j:yf

;+zf]lw

t Jo

j:yf

;+zf]w

g ug

'{k/]sf] sf/)f

1bk

mf 5-

v_ 5-

u_ljQLo ;

+:yfs

f] hf/L k"“h

L ?= 4

9,11

,19,20

0÷-

-cIf?k

L pg

Gkrf;

s/f]* P

#f/ n

fv p

GgfO;

xhf/

b'O{ ;

o df

q_ x

'g]% .

pQm k"“h

LnfO{ ?

=100

÷-

-?k}o

f Ps

;o

dfq_

b/s

f 49,11

,192

-pg

Gkrf;

nfv

P#

f/ x

hf/ P

s ;

o jo

fgJj

]_ yf

g ;f

wf/)

f z]o/

df

ljef

hg

ul/P

sf] % .

bkmf

5-v_ 5-

u_ljQLo ;

+:yfs

f] hf/L k"“h

L ?=55

,74,20,29

2÷-

-cI

f?kL

kRkG

g s/f]* r

jxQ/

nfv

aL;

xhf/ b

'O{ ;o

jofgJ

j] df

q_

x'g]% .

pQm k"“h

LnfO{ ?

=100

÷-

-?k}o

f Ps

;o

dfq_

b/s

f 55

,74,202

=92

-kRk

Gg n

fv r

jxQ/

xhf/ b

'O{ ;o

b'O{

/ 92

÷10

0_ y

fg ;

fwf/)f z

]o/df

lje

fhg

ul/P

sf] % .

ljQLo ;

+:yfs

f] k"“h

L j[l$

ug{

-af]g;

z]o/

hf/L kl% ljQ

Lo

;+:yf

sf] hf/L k"“h

L j[l$

x'g] e

Psf]n

],

2bk

mf 5-

u_ljQLo ;

+:yfs

f] r'Qmf

k"“hL ?

= 49,11

,19,20

0÷-

-cIf?k

L pg

Gkrf;

s/f]* P

#f/

nfv

pGg

fO;

xhf/ b

'O{ ;o

dfq_ x'g

]% .

bkmf

5-u_

ljQLo ;

+:yfs

f] r'Qmf

k"“hL ?=55

,74,20,29

2÷-

-cI

f?kL

kRkG

g s/f]* r

jxQ/

nfv

aL;

xhf/ b

'O{ ;o

jofgJ

j] df

q_

x'g]% .

ljQLo ;

+:yfs

f] k"“h

L j[l$

ug{

-af]g;

z]o/

hf/L kl% ljQ

Lo

;+:yf

sf] r'Qmf

k"“hL j[l$

x'g] e

Psf]n

],

3bk

mf 5-

#_-1

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z]o/

wgLx?n

fO{ ;

d'x "

s"

df j

uL{s/)

f ul/P

sf] % .

of] ;

d"xsf] z]o/

:jfldTj

60

k|ltzt

x'g]% .

bkmf

5-#_-1

_ ;+:

yfks

z]o/

wgLx?n

fO{ ;

d"x "

s"

df

juL{s

/)f ul/P

sf] % .

of] ;

d"xsf] z]o/

:jFldTj

51

k|ltz

t x'g

]% .

ljQLo ;

+:yfs

f] k"+h

L j[l$s

f nflu

9,83,68

2 ls

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