notice of annual general meeting - capital … · notice of annual general meeting notice is hereby...

NOTICE OF ANNUAL GENERAL MEETING

Notice is hereby given that the 22nd Annual General Meeting of the Shareholders

of Bank of Maldives Plc will be held on Wednesday the 29th June 2005 at 8:30 p.m.

at Nasandhura Palace Hotel, to conclude the following business:-

1. Confirmation of Minutes of the 21st Annual General Meeting.

2. To receive and adopt the Directors’ Report and the Auditor’s Report.

3. Consideration and adoption of Balance Sheet as at 31st December 2004

and the Income Statement of Bank of Maldives Plc for the year ended 31st

December 2004.

4. Confirmation of Dividend payment for the year 2004.

5. Intimation of nomination of the nominee Directors and election of 3

Directors from Public Shareholders in terms of Article 41 of the Articles of

Association.

6. Appointment of Auditors and fixation of their remuneration.

7. Any other issue

By order of the Board

Serene Ho Oi Khuen

Company Secretary

Dated: 12th June 2005

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Branches / Auditors

Contacts

Highlights

Profile

Mission Statement

Our Vision

Board of Directors

The Chairman’s Statement

The Directors’ Report

Report of the Auditors

Income Statement

Balance Sheet

Statement of Changes in Equity

Cash Flow Statement

Accounting Policies

Use of Financial Instruments

Notes to the Financial Statements

Dhivehi Section

3

4 - 5

6

7 - 9

10

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15 - 30

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40 - 42

43 - 55

56 - 110

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Branches

Main Branch, Male’

Majeedheemagu Branch, Male’

Male’ International Airport Branch, Hulhule

Bazar Branch, Male’

Gan Branch, Seenu Atoll

Hithadhoo Branch, Seenu Atoll

Naifaru Branch, Lhaviyani Atoll

Kulhudhuffushi Branch, Haa Dhaalu Atoll

Fonadhoo Branch, Laamu Atoll

Muli Branch, Meemu Atoll

Thinadhoo Branch, Gaafu Dhaalu Atoll

Fuvahmulaku Branch, Gnaviyani Atoll

Villingili Branch, Gaafu Alifu Atoll

Dhidhdhoo Branch, Haa Alifu Atoll

Villimale’ Branch, Villingili, Male’

Hulhumeedhoo Branch, Seenu Atoll

Ungoofaaru Branch, Raa Atoll

Hulhumale’ Branch, Hulhumale’

Auditors

PricewaterhouseCoopers

P. O. Box 20124

02 - 03, 2nd Floor

Aage’

12, Boduthakurufaanu Magu

Male’

Republic of Maldives

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HEHEHEHEHEAD OFFICEAD OFFICEAD OFFICEAD OFFICEAD OFFICE

HeHeHeHeHead Officad Officad Officad Officad Office Depare Depare Depare Depare Departmentstmentstmentstmentstments

Card Centre

Bank of Maldives Plc

5th Floor, Bank of Maldives Building


Male’


Tel: +(960) 330199

Fax: +(960) 330184

e-mail: [email protected]

Corporate Affairs Department




Male’


Tel: +(960) 330188

Fax: +(960) 330185


Credit Department




Male’


Tel: +(960) 330152

Fax: +(960) 330185


Development Banking Cell


2nd Floor, Bank of Maldives Building


Male’


Tel: +(960) 330162

Fax: +(960) 330186


Finance Department




Male’


Tel: +(960) 330132

Fax: +(960) 330185


Foreign Department




Male’


Tel: +(960) 330156

Fax: +(960) 330184


Human Resources Department




Male’


Tel: +(960) 330122

Fax: +(960) 330185


Information Technology Department




Male’


Tel: +(960) 330110

Fax: +(960) 330115


Inspection Department




Male’


Tel: +(960) 330181

Fax: +(960) 330115


Legal Affairs & Documentation

Department



11, Boduthakurufaanu Magu, Male’


Tel: +(960) 330154

Fax: +(960) 330185


Public Relations and Administra-

tion Department



11, Boduthakurufaanu Magu, Male’


Tel: +(960) 330133

Fax: +(960) 330115



11, Boduthakurufaanu Magu, Male’, 20094,


Tel: +(960) 322948

Fax: +(960) 328233

swift: MALBMVMV

website: www.bankofmaldives.com.mv


Telex: 77030 BANKOM MF

Company Registry No. C-22/1982

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Bazar BranchBank of Maldives PlcOrchid Magu,Male’, 20188Republic of MaldivesTel: +(960) 330222Fax: +(960) 330220e-mail: [email protected]

Dhidhdhoo BranchBank of Maldives PlcNiloafaru MaguHaa Alifu Dhidhdhoo, 01100Republic of MaldivesTel: +(960) 200066Fax: +(960) 200066email: [email protected]

Fonadhoo BranchBank of Maldives PlcAndhaleebu MaguLaamu Fonadhoo, 15080Republic of MaldivesTel: +(960) 470729Fax: +(960) 470729email: [email protected]

Fuvahmulaku BranchBank of Maldives PlcBahaaru MaguGnaviyani Fuvahmulah, 18014Republic of MaldivesTel: +(960) 545003Fax: +(960) 540665email: [email protected]

Gan BranchBank of Maldives PlcBlock No.502Seenu Gan, 19070Republic of MaldivesTel: +(960) 588014Fax: +(960) 588087e-mail: [email protected]

Hithadhoo BranchBank of Maldives PlcGhaazee Magu, MedhuvaluSeenu Hithadhoo, 19020Republic of MaldivesTel: +(960) 575011Fax: +(960) 575013email: [email protected]

BRANCHESBRANCHESBRANCHESBRANCHESBRANCHES

Hulhumeedhoo BranchBank of Maldives PlcBahaaudhdheen MaguSeenu Meedhoo, 19010Republic of MaldivesTel: +(960) 585700Fax: +(960) 585700email: [email protected]

Hulhumale’ BranchBank of Maldives PlcUnit (C-G-05), Bageechaa HigunHulhumale’, 23000Republic of MaldivesTel: +(960) 350067Fax: +(960) 350526email: [email protected]

Kulhudhuffushi BranchBank of Maldives PlcHaa Dhaalu Kulhudhuffushi, 02110Republic of MaldivesTel: +(960) 218813Fax: +(960) 217611email: [email protected]

Main BranchBank of Maldives Plc1st Floor, Bank of Maldives Building11, Boduthakurufaanu MaguMale’, 20094Republic of MaldivesTel: +(960) 330144Fax: +(960) 330180e-mail: [email protected]

Majeedheemagu BranchBank of Maldives PlcMajeedhee Magu,Male’, 20138Republic of MaldivesTel: +(960) 330202Fax: +(960) 330210e-mail: [email protected]

Male’ International Airport BranchBank of Maldives PlcHulhule, 22000Republic of MaldivesTel: +(960) 315211Fax: +(960) 315211e-mail: [email protected]

Muli BranchBank of Maldives PlcRankokaa MaguMeemu Muli, 11050Republic of MaldivesTel: +(960) 460001Fax: +(960) 460001email: [email protected]

Naifaru BranchBank of Maldives PlcMarine DriveLhaviyani Naifaru, 07020Republic of MaldivesTel: +(960) 230319Fax: +(960) 230319email: [email protected]

Thinadhoo BranchBank of Maldives PlcVaruhagu MaguGaafu Dhaalu Thinadhoo, 17100Republic of MaldivesTel: +(960) 521002Fax: +(960) 521984email: [email protected]

Ungoofaaru BranchBank of Maldives PlcMiskiy MaguRaa Ungoofaaru 05060Republic of MaldivesTel: +(960) 230272Fax: +(960) 230272email: [email protected]

Villingili BranchBank of Maldives PlcAmeenee MaguGaafu Alifu Villingili, 16020Republic of MaldivesTel: +(960) 510005Fax: +(960) 510005email: [email protected]

Villimale’ BranchBank of Maldives PlcBlock No. 31Male’ Villingili, 21017Republic of MaldivesTel: +(960) 391650Fax: +(960) 391650email: [email protected]

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Earnings per Share (EPS) (Rf)

Dividend per share

Net assets value per share (Rf)

Market value per share (Rf)

Highest

Lowest

At end of year

2000

491.91

85.00

1,150.96

2001

460.99

85.00

1,926.95

2002

190.46

85.00

2,032.40

750.00

585.00

650.00

2003

207.15

90.00

2,239.56

1,200.00

600.00

1,000.00

2004

629.99

95.00

2,779.55

1,350.00

750.00

1,175.00

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Bank of Maldives Plc was inaugurated on November 11, 1982 by the President His Excellency Maumoon Abdul Gayoom. It started

commercial operation as a joint venture bank with 60% shares held by the Government of the Maldives (including its Agencies and

Maldivian Companies) and 40% shares owned by International Finance Investment Company Limited (later IFIC Bank Limited), Dhaka,

Bangladesh, respectively. From the inception of the Bank, until 31st December 1992, under a Management Contract with IFIC Bank Ltd,

the Bank was managed by IFIC Bank Limited. Under this contract IFIC was to bring in professionals to run the Bank and lay a sound

foundation for the Bank, and they were paid 10% of the Bank's profit.

During the tenth year of the Bank, the Government of Maldives decided not to renew the Management Contract with IFIC Bank Ltd and

to re-structure the Bank of Maldives and hence requested the IFIC Bank Ltd to reduce the share holding and also the number of

representation in the Board. Consequently IFIC Bank Ltd decided to dispose off its entire shares in the Bank of Maldives and terminate

its relations with the Bank with the expiry of the Management Contract on December 31, 1992. On 14 November 1992, Government of

Maldives purchased 40 per cent shares held by IFIC Bank Ltd. As a result, 80 per cent of the share capital of the Bank of Maldives was

owned by the Government while the remaining 20 per cent of the share capital was sold equally to the State Trading Organization and

Maldives Transport and Contracting Company respectively.

In December 1992, the Government decided, to sell Bank's shares to the general public, with a view to expand the Bank's capital.

From January 1, 1993, Bank of Maldives Plc has become, and since then remained, a bank fully owned by the people and the

Government of the Maldives.

The Bank of Maldives Plc issued shares during 1993, 1994, 1995, 1996, 1997 and 1998. As a result of these share issues, the paid up

capital has risen from Rf 5 million in 1992 to Rf 36.516 million in 1998. As no shares were issued since 1998, the paid up capital of the

Bank by the end of 2004 remained at Rf 36.516 million.

The main business of the Bank is retail banking. In addition to handling development banking activities in all the atolls of the Republic,

Bank of Maldives Plc extends a variety of modern banking services on line, in a fully computerized environment and is proud to serve the

nation as the leading bank in the Maldives.

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Presently the Bank of Maldives Plc has 18

branches. Three out of eighteen branches

are in Male', the capital, one in Male'

International Airport (Hulhule' Island) and

one is in Villingili ward, the fifth ward of

Male'.and the 18th Branch was in

Hulhumale’ The other twelve branches are

distributed amongst the atolls of the

country, each with a designated command

area. Hence, the Bank of Maldives Plc is

able to serve the whole nation. The

sequence of opening the Bank of Maldives

Plc offices shows the growth of the

horizontal expansion of the Bank.

Bank’s Hulhumale’ Branch declared open by Minister of Finance and Treasury

Hon. Mohamed Jaleel on 3rd April 2005

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23 May 1982 Registered as a company with Ministry of Home Affairs

10 November 1982 Licensed to operate as a banking business from Maldives Monetary Authority

11 November 1982 Main Branch and Head Office, Male'

01 December 1983 Gan Branch (Seenu Atoll)

29 December 1984 Majeedhee Magu Branch, Male'

29 December 1987 Bazar Branch, Male'

26 June 1990 Naifaru Branch (Lhaviyani Atoll)

29 December 1991 Kulhudhuffushi Branch (Haa Dhaalu Atoll)

16 January 1993 Fonadhoo Branch (Laamu Atoll)

17 January 1994 Hithadhoo Branch (Seenu Atoll)

10 October 1994 Muli Branch (Meemu Atoll)

30 October 1994 Thinadhoo Branch (Gaafu Dhaalu Atoll)

23 November 1995 Fuvahmulaku Branch (Gnaviyani Atoll)

30 November 1997 Villingilli Branch (Gaafu Alifu Atoll)

20 August 1998 Male' International Airport Branch (Hulhule)

11 March 2001 Dhidhdhoo Branch (Haa Alifu Atoll)

09 October 2003 Villimale’ Branch, Villingili, Male’

12 October 2003 Hulhumeedhoo Branch (Seenu Atoll)

15 October 2003 Ungoofaaru Branch (Raa Atoll)

03 April 2005 Hulhumale’ Branch (Hulhumale’)

On 29 December 1997, H.E. President Maumoon Abdul Gayoom laid the foundation stone of the 8-storey Bank of Maldives Building on

Boduthakurufaanu Magu, and it was declared open by the President on 27 January 2000. The same day, His Excellency the President

inaugurated the Bank's Automated Teller Machine service, the first of its kind in the country.

Bank of Maldives Plc through its Development Banking activity is the implementing agency of the Atolls Credit and Development

Banking Project (ACDBP), which covers the Northern and Central Atolls from Haa Alifu to Laamu Atoll and the Southern Atolls

Development Project (SADP) which covers the four southernmost atolls namely Gaafu Alifu, Gaafu Dhaalu, Gnaviyani and Seenu

Atolls. The first project was financed by long-term borrowings from the International Fund for Agricultural Development (IFAD) and the

second project was financed by long-term borrowings from the International Fund for Agricultural Development (IFAD) and Opec Fund

for International Development (OPEC) through the Government of Maldives.

Atolls Credit and Development Banking Project (ACDBP) branches

Name of the Branch Atolls Covered No of Islands Population (Census2000)

Dhidhdhoo Branch, H.A.Dhidhdhoo Haa Alifu Atoll 16 14,161

Kulhudhuffushi Branch, H.Dh.Kulhudhuffushi Haa Dhaalu Atoll 32 28,362

Shaviyani Atoll

Ungoofaaru Branch, R.Ungoofaaru Raa Atoll 15 14,486

Naifaru Branch, Lh.Naifaru Noonu Atoll 27 29,426

Baa Atoll

Lhaviyani Atoll

Muli Branch, M.Muli Vaavu Atoll 27 15,731

Meemu Atoll

Faafu Atoll

Dhaalu Atoll

Fonadhoo Branch, L.Fonadhoo Thaa Atoll 25 20,893

Laamu Atoll

In addition to these branches, Development Banking Cell in Male' provides development banking services to the three central atolls of

Kaafu, Alifu Alifu and Alifu Dhaalu Atolls covering 26 islands and a total population of 26,795 (Census 2000).

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Southern Atolls Development Project (SADP) branches

Name of the Branch Atolls Covered No of Islands Population (Census2000)

Villingilli Branch, G.A.Villingili Gaafu Alifu Atoll 10 8,249

Thinadhoo Branch, G.Dh.Thinadhoo Gaafu Dhaalu Atoll 10 11,886

Fuvahmulaku Branch, Gn.Fuvahmulah Gnaviyani Atoll 1 7,528

Hulhumeedhoo Branch, S.Meedhoo Seenu Atoll 2 3,120

Gan Branch, S.Gan Seenu Atoll 3 5,934

Hithadhoo Branch, S.Hithadhoo Seenu Atoll 1 9,461

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Serving The Nation

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"We will lead the way through quality of services and dedication of our

staff. We will serve all our communities to the best of our ability, strive

always to listen to your needs and so build total customer confidence and

satisfaction."

Bank of Maldives - Proud To Be Maldivian

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Board Of Directors

Sitting from left:

Mr Ibrahim Zuhair (Chairman), Ms Serene Ho Oi Khuen (General Manager and CEO), Mr Mohamed Maniku, Ms Aminath Ali

Maniku, Mr Mohamed Abdul Sttar,

Back row standing from left:

Mr Mohamed Ahmed Didi, Mr Abdul Razzak Idris, Ms Fathimath Sheereen, Dr Ahmed Shaheed, Ms Nadiya Hassan, Mr Ahmed

Hamza

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I am pleased to present the Annual Report and Accounts of Bank of Maldives Plc for the year ended

31st December 2004.

This year, the Bank of Maldives Plc achieved a milestone when on 19th February 2004 the Bank

started acquiring international credit cards from Visa and MasterCard.

Having successfully implemented this phase of the Bank’s credit and debit card related business,

the Bank’s next step was to inaugurate the first true credit cards in the Maldives market in December

2004. Issuing Bank of Maldives American Express standard and Gold Credit Cards in Rufiyaa would

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Mr Ibrahim Zuhair

Chairman

give a definite boost to our currency circulation when these cards are used for conducting transactions inside and outside our

national borders. The issuance of credit cards is the culmination of intensive planning and preparation and the Bank is proud to

be able to promote modern conveniences that lead to a less-cash society. The service is well received.

The Bank believes that our customers deserve the best and despite the small size of the population and the area of the country,

the Bank is implementing some of the best products that financial institutions have to offer to their customers.

In 2005, the Bank is further enhancing its competitive edge by offering a wider choice to our customers when in April 2005 it

launched the Visa credit / debit cards and will launch MasterCard credit cards in a few months’ time.

The tsunami of 26th December 2004 was a shock and a challenge to the country and we at the Bank of Maldives Plc took it as our

national duty to persevere in our efforts to ensure continuity of our banking service to the nation. Despite our efforts, the Bank

had to close down the services for a day. For branches in badly affected areas, it took several days to resume full operations.

In spite of this setback in business during the final days of the year, with the Almighty Allah’s blessings, 2004 was a very

successful year for the Bank of Maldives Plc.

Looking at the figures for the past year, I am pleased to note that the total shareholders’ funds increased from Rf 272.6 million

at the end of 2003 to Rf 338.3 million by the end of 2004.

In 2004, despite huge provisions made on Non Performing Assets (NPA), according to prudential regulations of the Maldives

Monetary Authority, profit before tax increased by a staggering 173% to a record Rf 102.8 million in 2004 compared to Rf 37.7

million in 2003, which itself was a 16.2% increase over the previous year. As stated in the previous year, the loan loss provisions

are merely prudential steps taken in line with international best practices not to overstate the profit of a given year in the event

of contingency losses; the Bank is in a position to declare better profits in the future. At the same time the Bank recovered Rf

10.8 million from non-performing loans during 2004.

The net profit for the year 2004 improved tremendously by a 204% to Rf 76.7 million compared to Rf 25.2 million in 2003.

The authorised capital and the paid up capital of the Bank did not change over the last year and remained at Rf 300.0 million and

Rf 36.516 million respectively.

The total assets further increased by 41% from Rf 2.3 billion in 2003 to Rf 3.3 billion in 2004, indicative of the strong position of

the Bank and the sustained growth during the year.

I am pleased to welcome the Directors for 2004-2005 re-appointed by the Government and elected by the general public

shareholders, as announced at the 21st Annual General Meeting held on 08th September 2004. The Board of Directors and the

Management continue to focus on following international best practices and good corporate governance to achieve internationally

recognized standards.

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On behalf of the Board of Directors, I would like to express my sincere appreciation for the work of the General Manager and

Chief Executive Officer, Ms Serene Ho Oi Khuen, and thank the senior Management and staff for their continued dedication and

hard work in pursuing a sustainable strategy to make the Bank a dynamic institution of renown.

The development of additional islands as resorts, the spread of tourism to new atolls, creation of additional employment with its

multiplier effect on the transport sector, and developments in the fisheries and construction sectors all augur well for the near

term outlook.

On behalf of the Board of Directors, I wish to extend our heartfelt gratitude to His Excellency President Maumoon Abdul Gayoom

for his inspired vision in developing the financial sector of the country. We were especially privileged and honoured when the

President graced our Bank of Maldives American Express Credit card inauguration function held on 19th December 2004. We are

grateful to the Minister of Finance and Treasury, Hon. Mohamed Jaleel, for his guidance and support for the Bank. I also wish to

express my appreciation to my fellow members of the Board for their dedicated support to the Bank and cooperation extended

to me. Finally, I am pleased to take this opportunity to offer our sincere thanks to the shareholders and customers for their

confidence and loyalty to the Bank.

By the grace of the Almighty Allah, the Bank will continue to grow in quality to a higher profile and always remain an invaluable

asset to the nation - financially and socially.

Ibrahim Zuhair

Chairman

Board of Directors 29th May 2005

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1. Capital Structure

The authorised and paid up share capital of the Bank

during financial year 2004 remained unchanged as has

been the case since 1998. The existing level of paid up

capital and reserves is in excess of the minimum

required by the Maldives Monetary Authority, which is

also in line with that prescribed internationally by the

Basle Capital Accord. In line with the increase in the

level of lending and expansion of the Bank, the Bank

has plans for additional share issue. The authorised

capital remained at Rf 300,000,000 and the issued,

subscribed and paid up capital of the Bank as at 31st

December 2004 remained at Rf 36,516,000.

The breakdown of shareholdings is given below:-

The three Assistant General Managers continued to have respective areas of responsibility for Credit and Marketing, International

Operations and Card Centre, Development Banking and Administration. Twelve Department Managers in the Head Office and 18

Branch Managers report to the Assistant General Managers.

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Shareholders Number of Amount Percentage

Shares (Rufiyaa) Share

Government 62,077 18,623,100 51

State Trading Organization Plc 6,086 1,825,800 5

Maldives Transport & Contracting Company Plc 6,086 1,825,800 5

Government Employees’ Provident Fund 10,955 3,286,500 9

Account of Rayyathun* 6,086 1,825,800 5

General Public 30,430 9,129,000 25

TOTAL 121,720 36,516,000 100

*Held by island/ atoll communities through the Ministry of Atolls Development

The year 2004 began with Mr Abdul Ghafoor, Deputy Managing Director

of the Maldives Monetary Authority, temporarily in charge of the Bank

as the Acting Chief Executive Officer.

The new expatriate General Manager and Chief Executive Officer,

Ms Serene Ho Oi Khuen, a senior Asia Pacific banker with international

experience, joined the Bank in January 2004.

The GM/CEO leads the Management team in

· Institutionalisation of management organisation and process

· Setting organisational vision and mission statement

· Business plan and marketing strategies

· Development of human resources and training plan

2. Management

Senior Management Team

From Left: Ms Serene Ho Oi Khuen (GM &CEO)AssistantGeneral Managers Mrs. Fathimath Manike, Ms. Nadiya Hassan

and Ms. Aishath Noordeen.

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A “Credit Committee” chaired by Assistant General Manager, Credit meets regularly to discuss credit proposals in line with credit

policies. All credit proposals, except Rf 15,000/- loans under Development Banking, are discussed in the Credit Committee

before being placed for approvals in accordance with respective levels of approval authorities.

Since January 2004, the “Assets and Liabilities Committee” (ALCO) comprising the Chief Executive Officer, the 3 Assistant

General Managers and the Manager of Inspection Department as permanent members, has been meeting regularly to monitor

liquidity risk, interest rate mismatch, credit risk and cost of funds.

Since February 2004, an “Innovation Committee”, comprising Managers selected by the Management team, addresses issues

related to work improvement, cost control and customer service.

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Since April 2005, a “Training Committee”, comprising Managers

selected by the Management team, was formed to identify training

needs of staff, arrange in-house training programmes, obtain

feedback and re-develop on going training programmes including

induction for new recruits and assist the participants of the

Chartered Institute of Bankers in Scotland (CIOBS) programmes

in their studies.

3. Profit, Reserves and Dividends

The Bank earned a Pre-Tax Profit of Rf 102,766,557 during the

year. As per the Law on Profit Tax of Commercial Banks in the

Maldives, a provision for tax liability for the year 2004, amounting

to Rf 26,083,614 was made. This figure was derived by adding Rf

391,975 as expenses not deductible for tax purposes to 25% on

the Taxable Profit of Rf 102,766,557.

A dividend of Rf 95/- per fully paid up share of Rf 300/-, which is an increase of Rf 5/- from Rf 90/- per share paid for 2003, is

proposed by the Board of Directors. This would amount to Rf 11,563,400 for the proposed dividend, and the remaining Rf

65,119,543 is to be transferred to General Reserves of the Bank. This is in line with the policy to preserve and build the equity

of the Bank through retained earnings.

4. Operating Performance

The Bank’s pre-tax profit for the financial year 2004 was Rf 102,766,557 compared to Rf 37,712,187 in the year 2003, an

increase of 173% compared to the preceding year. The net profit for the year 2004 increased by 204% to Rf 76,682,943

compared to Rf 25,213,867 in the year 2003.

· Total income increased by 43% to Rf 286.6 million from Rf 200.8 million, while total expenses increased by 13%

to Rf 183.8 million from Rf 163.1 million.

· In addition to specific provision for bad and doubtful debts of Rf 35,772,047 made on specific accounts, a general

provision of Rf 6,295,747 was set aside during the year. As a prudential measure, a general provision of 1% of all loans and

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advances in DBC branches has been made for several years now,

but it is only the second year that this prudential measure is applied

to Male’ based branches, though at a lower rate of 0.25% on all

standard loans. By the end of financial year 2004, the loan loss

provision figures increased by 55.5% to Rf 87.7 million compared

to Rf 56.4 million in 2003. During the year 2004, recoveries on

non-performing loans and written back provisions amounted to Rf

10.8 million compared to Rf 7.9 million in 2003

· Interest income increased by Rf 45.1 million whilst interest expenses

decreased by Rf 8.0 million. This resulted in net interest income

increasing by 59.0% (Rf 53.1 million) to Rf 143,187,314.

· Although interest bearing customer deposits increased by 45% from

Rf 1.2 billion at the end of 2003 to Rf 1.8 billion at the end of 2004,

because of the lower interest rates that were applied from July 2003,

interest expenses on customer deposits decreased by 15% during

the year 2004.

· Fees and commissions received during the year 2004 has shown an

increase of 101% to Rf 59.9 million compared to Rf 29.9 million for

of the year 2003. This is mainly attributable to 85% increase in

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trade related income, and guarantee fees generated from bid bonds issued for 11 new resorts.

· Operating expenses grew by 29% from Rf 99.7 million to Rf 128.5 million. This includes the large increase of 58%

(Rf 12.8 million) on staff costs to Rf 34,863,272 compared to Rf 22,084,822 in the year 2003. Other factors that resulted

in the increase in operating expenses included other operating expenses which increased by 86% to Rf 29.9 million

from Rf 16.1 million in 2003. The other operating expenses included advertising, software upgrade license, house rent,

stationery, tsunami damage related expenses

· Staff costs increased 58% due to increase in number of staff from 315 at 31st December 2003 to 336 at 31st December

2004. This is in line with the acceleration of card centre business in 2004 and increase in professional staff at credit

department and inspection department to boost risk management of increase volume of loan business.

· Profit per employee improved from Rf 88,044.02 in 2003 to Rf 228,223.04 in 2004.

· Credit card expenses increased to Rf 5,917,307 in 2004 from Rf 1,453,419 incurred in 2003, with the acceleration

of the Credit Card project into American Express, Visa and MasterCard acquisition; and launching of first ever American

Express and Visa card issue business in Maldives.

· The non-performing assets included as advances and bills of exchange increased by 27% from Rf 195,887,281 in 2003 to

Rf 249,705,380 in 2004.

· Of the 14,671 loans outstanding as of 31st December 2004, over 98% of the number of loans is in the standard category

while the remaining less than 2% are categorised under the various stages of non-performing assets as per Maldives

Monetary Authority regulations. However, because of the size of loans classified as non-performing assets, this less than

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2% of the number of loans represent nearly 10% of the total amount of loans and advances. Standard loans represented

90% of all outstanding loans and advances.

5. Financial Highlights

Notwithstanding the shock of 26th December 2004 tsunami that affected the entire country, the Bank continues to achieve

satisfactory growth and serve its customers across a broad range of business activities.

With stronger focus on fee based business, trade finance supporting the importers and exporters of the Bank’s country shot up

by 85% to Rf 6.6 billion (during 2003, it was Rf 3.6 billion).

The Bank’s asset base increased by 41% to reach Rf 3.3 billion as at 31st December 2004 from Rf 2.3 billion as at 31st

December 2003.

Loans and advances increased 71% to reach Rf 1.8 billion whilst deposits from customers rose by 44% to Rf 2.8 billion. The loan

deposit ratio improves to an optimal level of 66% at 31 December 2004 from 55% at 31 December 2003. The growth in loans

and advances resulted from target marketing of the total banking relationship covering trade finance, loans, electronic banking

and credit card business to the top tier corporate customers. They have responded to better customer service and Bank’s

mission of ‘Serving the Nation’, through broad product range and widespread branch network.

Shareholders’ funds, before appropriation of profit, has increased to Rf 338.3 million reflecting a comfortable growth of 24%

compared to financial year 2003. By the end of the financial year 2004, the net book value or the net asset value of each of the

121,720 ordinary shares of face value Rf 300 issued by the Bank rose to Rf 2,779.55.

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In December 2004, the Bank became a listed company in the official

list of the Capital Market Development Section of the Maldives

Monetary Authority. The Bank’s shares have been traded in the

stock exchange since it was created by the Maldives Monetary

Authority.

During 2004, the shares of the Bank traded in the market in

between Rf 760/- and Rf 1,350/- and the average market price

was Rf 980/49 and volume of turnover was 734. The last trade of

Bank’s shares in December 2004 was at a price of Rf.1,175/- .

The capital adequacy ratio is at a healthy 15%. This is nearly twice

the minimum requirement of 8% of total risk-weighted capital ratio

as per the Maldives Monetary Authority. The Bank’s core capital

ratio stands at over 12% which is about

thrice the Maldives Monetary Authority’s minimum requirement of

4% of core capital ratio.

We note that the capital adequacy ratios of the Bank, both the Tier

1 or core capital and total capital (Tier 1 and Tier 2 together),

though still healthy, are falling because of the more efficient

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deployment of the capital in loans and advances, resulting in

higher return on shareholders’ funds.

The Return on total assets increased to about 3.0% from about

1.6% in 2003, whilst the return on average shareholders’

funds is 25.1% (9.7% in 2003).

Earnings per share in 2004 increased to Rf 629.99 compared

to Rf 207.15 in the year 2003.

6. Branch Network

During 2004, the Bank operated with 17 branches. On 03rd

April 2005, the 18th branch of the Bank was opened in

Hulhumale’.

All branches of the Bank except one of the three newly opened

branches in 2003 were making profits at the end of 2004.

7. Corporate lending activities

In the year 2004, the Bank substantially increased its lending

to major corporate borrowers, large scale projects and the

middle tier market

Over 52% of the Bank’s total advances are to the tourism

sector followed by 17% to the commerce sector, 11% to the

fisheries sector, and 8% to the construction sector, just below

2% to the manufacturing sector, less than 1% to the

agriculture sector and the remaining 9% for other purposes.

The Bank’s strategy in lending to major corporate customers

is to meet all their banking requirements, by offering a total

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ortpackage which includes electronic banking, credit and debit card services, working capital, trade finance and related services,

and project finance.

8. Development Banking

Development banking activities are a key part of the operations of the Bank. There are twelve branches serving the population

in the atolls. Five large dhonis built for the purpose of mobile banking operate between the branches and the inhabited islands

in the coverage area of the branch. Out of a total Bank staff of 336 at the end of the year, 129 or 38% were employed in the

area of Development Banking that provides services to the 20 atolls in the Maldives.

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2004

main focus during the year 2004 continued to be on smaller loans for the projects’ target groups.

The combination of atoll banking and administration of the aforementioned projects is intended to improve the living standards

of the community through promoting income generating activities in the atolls.

In 2005, Development Banking Cell will be proactive in tapping into these sources of developmental financing for atoll

reconstruction and recovery. In March 2005, the Ministry of Finance and Treasury has appointed the Bank to administer the

Island Livelihood Revitalisation and Development Programme (ILRDP) fund contributed by the Government via donor funds to

provide concessionary finance for restoring the livelihood of people in Tsunami affected atolls.

9. Electronic Banking and Card Centre

The Bank has taken bold steps to bring in electronic banking and credit and debit card services to its customers spread around

the 200 inhabited islands and the strings of tourist resort islands. As the only national bank operating in the country, Bank of

Maldives Plc took the lead to computerise banking operations. Following the initial steps taken in 1995, the Bank implemented

a professional banking package in 1999 and within a couple of years had converted all its accounts to an online system.

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The Bank through its Development Banking activity is the

implementing agency of the Atolls Credit and Development

Banking Project (ACDBP), which covers the Northern and the

Central Atolls from Haa Alifu to Laamu Atoll and the Southern

Atolls Development Project (SADP) which covers the four

southernmost atolls, namely, Gaafu Alifu, Gaafu Dhaalu,

Gnaviyani and Seenu Atolls. The first project was financed by

long-term borrowings from the International Fund for

Agricultural Development (IFAD) and the second project was

financed by long-term borrowings from the International Fund

for Agricultural Development (IFAD) and the OPEC Fund for

International Development (OPEC) through the Government

of Maldives.

In addition to these branches, Development Banking Centre

in Male’ provides development banking services to the three

central atolls of Kaafu, Alifu Alifu and Alifu Dhaalu Atolls

covering 26 islands and a total population of 26,795 (Census

2000).

Total deposits of the atoll branches as at end of year 2004

stood at Rf 916 million compared to Rf 433 million at the end

of year 2003. The number of loans in the atoll branches and

DBC head office increased from 11,015 to 13,756 in year

2004, whilst the volume of the loans increased from Rf 210

million at the end of year 2003 to Rf 300 million in 2004. The

Small Medium Enterprise supported by the Development Banking Cell.

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By the end of 2004, over 43,000 Cash Cards

have been issued.

Our cardholders are enjoying the

convenience of the Automated Teller

Machines. The popularity and the usage of

the Bank’s Cash Card are ever increasing.

Cash Cardholders can now either draw cash

from one of the Bank’s 10 ATMs, or purchase

goods and services from more than 600 POS

locations.

To meet large corporate customers’ needs

for direct debit bills payment, the Bank has

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Although the investment was huge compared to the size and operation of the Bank, the Bank did not shy away to commit

resources.

By investing in the latest technology platform, the Bank is committed to offer electronic banking and debit and credit card

services for all sectors of the economy. All branches are on line, providing the Bank’s customers with the convenience of

utilizing any of the Bank’s locations to conduct their business.

Ceremony held on 24th March 2004 to mark the inauguration ofinternational Card Aquiring.

Launching of Bank of Maldives American express Credit Cards by His Excellency President Maumoon Abdul Gayoom on 19th December 2004.

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invested in sophisticated software solutions. Direct Debit Agreements signed with Dhiraagu, Male’ Water and Sewerage Company

(Pvt) Ltd (MWSC) and State Electric Company Ltd (STELCO) and Hulhumale’ Development Unit have created the opportunity to

our account holders who are customers of any of these utility companies (Dhiraagu, MWSC and STELCO) and Hulhumale’

Development Unit the convenience of paying their bills in time, without going through the hassle of queuing up at counters,

writing cheques or handling cash.

The Bank signed an agreement in 2003 with Hulhumale Development Unit to administer Occupant Property Loan accounts at all

branches of the Bank.

The Bank obtained Visa and Visa Plus Bank membership and MasterCard principal membership and licenses for MasterCard,

Maestro and Cirrus brands in 2002.

Implementation of the first of the 3 phases of the Bank’s credit card project was begun in October 2003 and Visa/MasterCard

acquiring was launched on 19th February 2004. The Bank started acquiring international credit cards of the Visa/MasterCard

brands through the Bank’s ATMs and POS machines.

In May 2004, the Bank signed an exclusive independent operator agreement with American Express, the premier credit card

company for all card acquiring and issue business.

On 19th December 2004, the Bank had the honour of having the President of the Republic of Maldives His Excellency Mr

Maumoon Abdul Gayoom to launch Bank of Maldives American Express Credit cards and Bank of Maldives American Express

Gold Credit cards. The Bank is proud to report here that it was the first true credit card issued in the Maldives market. It was the

first credit card issued in Maldives’ own currency, the Rufiyaa.

The Bank is eager to provide choice to our customers and in 2005; the Bank proceeded with launching of the Visa credit/debit

cards in April 2005 and will proceed with the launch of MasterCard credit cards in 2005.

There is strong Maldivian support to the American Express and Visa credit cards and despite the shock of the tsunami that hit

the country on 26th December 2004, the interest and the demand for our credit cards are excellent. By 30th April 2005, the

Bank had issued 2340 credit cards.

Plans are underway in 2005 to launch the corporate card and the platinum card to high net worth customers.

The Bank aims to have internet banking services to meet cash management needs of its corporate clients, and real time online

access to banking services for all customers in the near future. The internet banking project initiated in 2004 is now making

progress along with other priority credit card related projects. With the popularity of the international web, the availability of

internet banking service will gear the Bank to the heights of modern and convenient banking in the country.

10. Human Resources Development and Training

The Bank is managed and staffed by a dedicated team of professionals. The total number of Bank personnel increased by 7.0%

during the year to reach 336 (181 female and 155 male) by the year end.

The “Group Health Insurance Scheme for Staff” implemented in September 2003 and the Staff Provident Fund, in force since

January 1986, which is a contributory fund for all confirmed staff continued.

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NO. COURSE TITLE DURATION COUNTRY

1 Visa Member’s Meeting Jan 06, 2004 Colombo, Sri Lanka

2 Credit Cards OperationsAcquiring/

Merchant Handling, Reconciliation and Settlement Jan 11-22, 2004 COMBANK Card Center,

Commercial Bank of Ceylon Ltd,

Colombo , Sri Lanka

3 Debit Card , Accounting & Reconciliation Feb 08-12, 2004 COMBANK Card Center,

Commercial Bank of Ceylon Ltd,

Colombo , Sri Lanka

4 Workshop on Master Card GCMS-IPM Reconciliation Mar 9, 2004 Bombay, India

5 11th Annual Asia Banking Forum Apr15-16, 2004 Bombay, India

6 Firewall Training Apr 15-18, 2004 Colombo , Sri Lanka

7 Visa Operation Technical Committee Meeting Apr 20, 2004 Colombo , Sri Lanka

8 AS/400 System Administration & Control May 10-14, 2004 Kuala Lumpur , Malaysia

(IBM iSeries Administration Training)

9 Credit Bureau Development in South Asia May 10-11, 2004 Credit Information

Bureau, Sri Lanka

10 “The Opportunity with Chip” Workshop on the May 24-25, 2004 Colombo , Sri Lanka

business opportunities which can be derived

from EMV Smart Card

11 Training on Credit Card Issuance including Business Jun 13-19,2004 COMBANK Card Center,

& Marketing Strategies Commercial Bank of Ceylon Ltd,

Colombo , Sri Lanka

12 Program on Restructuring & Strengthening Jun 21-26,2004 Pune, India

Rural Financial Institutions

13 SAMEA Fraud Conference “Surfing the Fraud Wave” Jul 08-09, 2004 Colombo , Sri Lanka

organized by Master Card

14 Seminar on Creditors Rights in Emerging Economies Aug 16-20,2004 Singapore

15 Visa Operations /Technical Committee Meeting Aug 18, 2004 Colombo , Sri Lanka

16 Training on Re-Engineering Dispute (RED) Aug 19, 2004 Colombo , Sri Lanka

& Electronic Case Filing

17 Course on Small Enterprises Financing- Approaches

& Strategies Aug 09- Oct 01,2004 Hyderabad, India

18 Re-Engineering Disputes (RED) Workshop Sep 16-17, 2004 Colombo , Sri Lanka

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The Bank values its human resources as its most

precious asset, in an increasingly competitive banking

environment, where the best customer service has to

be delivered. The enhancement of the professional

efficiency and skills of the employees is accomplished

through theoretical and on-the-job-training. All new

employees have to undergo induction training.

The Bank participated in a number of overseas training

programmes in 2004.

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An In-House Tranning session in Progress.

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19 Euronet Software Clients’ Annual Peer Sept 19-22, 2004 Little Rock, Arkansas, USA

Exchange (ESCAPE)Embassy Suites Hotel,

20 Introduction to Unix systemUnix ware System Oct 04-15, 2004 Kuala Lumpur, Malaysia

Administration I & II (SCO UNIX Operation System)

21 ID System Training Dec 23-25, 2004 Colombo , Sri Lanka

A total of 287 staff participated in 20 separate in-house and local training programmes in 2004 covering customer service,

valuation of security, trade finance and management of problem loans. 2005 continued with 29 staff attending training courses

on legal aspects of banking in Maldives. All course instructors are senior banking, law and accounting practitioners from

international banks and firms.

In conjunction with Atoll Branch Managers’ meeting held in Male’ on 17-18 March 2004, Senior Management created an

opportunity in facilitating an outing/get-together for all staff of the Bank at Feydhoo-Finolhu. It was an opportunity for

management and staff to bond as one Bank of Maldives family. It created opportunities for all management and staff to know

each other, and develop individual as well as coherent team relationships.

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An acute shortage of trained and professionally qualified personnel

is a major constraint faced by the Bank. In order to address this

matter, the Bank is implementing a human resources development

and training programme to meet the challenges that lie ahead in

risk management and improving customer service in all aspects

of the Bank’s operations. A cornerstone of the master plan is the

sponsorship of existing staff for the Scotland Chartered Institute

of Bankers’ professional examination and continuous on-the-

job training to keep abreast of the latest international

development by banking practitioners from international banks.

A regular program of graduate intake is being implemented to

plant the seeds for the second generation of management

leadership. Senior management has identified existing key

management staff to form the core team for future Bank

development. Human Resources and senior management will map

the career path of the core team within the Bank.

11. Social and Community Services

The Bank launched, in 2001, the Thalassaemic Support Fund (TSF) and donations to the TSF can be made at any branch or bank

dhoni of the Bank. The Bank anticipates that the Thalassaemic Support Fund will eventually grow to a size where it can pay for

the life-saving bone marrow transplants from the interest that will be earned on the capital sum. The Bank is proud to have

undertaken this important community initiative, and it hopes that with the support of the community at large, TSF will become

an ongoing and highly significant service that will provide hope to at least some of the affected children.

During 2004, the Bank made a contribution to Maldives Thalassaemia Society for a Thalassaemia seminar.

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In March 2004, the Bank took the opportunity to sponsor one of the teams in the football match played in Male’ to raise

funds for the fund opened to assist the families of the victims of the tragic accident of “Enama” boat.

Following the tsunami that hit across several countries in South Asia on 26th December 2004, and in consideration of the

relief work carried out by the Maldivian Government and private parties throughout the country, the Bank, in December

2004, made a gesture of compassion with an initial donation of Rf 100,000/- to the Disaster Relief Fund for Tsunami,

maintained by the Ministry of Finance and Treasury.

12. Marketing and Promotional Activities

The Bank’s marketing and promotional activities during the year 2004 continued with the mass media and other selected

media to promote the Bank’s mission of Serving the Nation. A cornerstone of the Bank’s mission is to promote the cashless

society through cash cards and credit cards.

A Cash Card promotion was begun in 2004, with the aim of increasing POS transactions using Cash Card. The 4-month

promotion from 15 October 2004 to 15 February 2005 was also part of the Bank’s continued efforts to drive towards a

society of less cash based transactions.

With the launch of Bank’s credit cards in December 2004, marketing has taken a prominent role and Bank’s products and

services are being heavily covered in the media.

13. Appointment of Auditors

In accordance with Article 78 of the Articles of Association of the Bank, a resolution passed in the 21st Annual General

Meeting held on 08th September 2004, M/S PricewaterhouseCoopers (Chartered Accountants), P.O. Box 20124, 02-03, 2nd

Floor, Aage, 12, Boduthakurufaanu Magu, Male’, Republic of Maldives were re-appointed as Auditors of the Bank.

14. Government Nominated Directors and Election of Directors by General Public ShareHolders

The year 2004 began with the following members in the Board of Directors.

1. Mr Ibrahim Zuhair, Chairman of the Board

2. Dr Ahmed Shaheed

3. Mr Abdul Razzak Idris

4. Mr Mohamed Maniku

5. Mr Mohamed Ahmed Didi

6. Ms Nadiya Hassan

7. Ms Aminath Ali Maniku

8. Mr Qasim Ibrahim

9. Mr Abdul Bari Mohamed

10. Mr Ibrahim Muththalib

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Mr Abdul Ghafoor, Deputy Managing Director of the Maldives Monetary Authority, temporarily in charge of the Bank as the

Acting Chief Executive Officer since June 2003 was the ex-officio Director of the Board. The new expatriate General Manager

and Chief Executive Officer, Ms Serene Ho Oi Khuen, joined the Bank on 27th January 2004 and took over the role of ex-officio

Director of the Bank. She is also the Company Secretary.

In accordance with Article 41-01 of the Articles of Association of the Bank and as per the procedures followed by the Bank, the

Government re-nominated the following 7 Directors for 2004/2005 at the dawn of the 21st Annual General Meeting held on

08th September 2004.

1. Mr Ibrahim Zuhair, Chairman of the Board

2. Dr Ahmed Shaheed

3. Mr Abdul Razzak Idris

4. Mr Mohamed Maniku

5. Mr Mohamed Ahmed Didi

6. Ms Nadiya Hassan

7. Ms Aminath Ali Maniku

As per the practice, the following 3 Directors elected by general public shareholders in the 20th Annual General Meeting in 2003

retired during the 21st Annual General Meeting held on 08th September 2004. A retiring director, however, is eligible for re-

election.

Mr Qasim Ibrahim

Mr Abdul Bari Mohamed

Mr Ibrahim Muththalib

In accordance with Article 41-02 of the Articles of Association of the Bank and as per the procedures followed by the Bank, the

general public shareholders elected the following 3 Directors to the Board.

Ms Fathimath Sheereen

Mr Ahmed Hamza

Mr Mohamed Abdul Sattar

The Executive Committee of the Board of Directors comprised the following members at the beginning of 2004.

Mr Mohamed Ahmed Didi - Director (Chairman of EC)

Ms Aminath Ali Maniku - Director

Ms Nadiya Hassan - Director

Mr Ibrahim Muththalib - Director

Mr Abdul Ghafoor - Ex-Officio Director

Mr Abdul Ghafoor, Acting CEO, was replaced by the new General Manager and Chief Executive Officer Ms Serene Ho Oi Khuen

from 27th January 2004.

Following the 21st Annual General Meeting, a new Executive Committee was constituted on 15th September 2004 with the

following members.

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Mr Mohamed Ahmed Didi - Director (Chairman of EC)

Ms Nadiya Hassan - Director

Ms Aminath Ali Maniku - Director

Mr Mohamed Abdul Sattar - Director

Ms Serene Ho Oi Khuen - Ex-Officio Director

The Bank welcomes the new Directors to the Board.

The Bank also places on record the valuable contributions to the deliberations of the Board by former members of the Board

Mr Qasim Ibrahim, Mr Ibrahim Muththalib and Mr Abdul Bari Mohamed. The Bank thanks them for their contributions.

The Board of Directors held 29 meetings during the year 2004. The Executive Committee held one meeting during the year

2004.

The Board members are not paid a salary; the Bank pays Board members an honorarium for the attended meetings. The

honorariums fixed by the Board of Directors on 20th July 1994 are Rf 500/- per sitting of the Board and Rf 400/- per sitting of

the Executive Committee.

15. Outlook

General Economy

The shock of the tsunami of 26 December 2004 coincided with rising oil prices and prices of construction materials like steel and

timber in the international markets. This translates to higher inflation, driven by oil prices and post tsunami reconstruction. The

higher costs of doing business resulted in a reduction of profit margin and tighter cash flow for businesses that could not pass

all of the increase in costs to the customers. Internationally, the US Dollars had joined the other major currencies in a series of

moderate interest rate hikes. US Dollar based offshore cost of borrowings for the Bank have and will continue to increase in

2005. Although by May 2005 tourism and other sectors of the Maldivian economy has been resilient in recovery, the Bank will

continue to exercise prudent risk management, while continuing to diversify lending and increase fee based income.

Tourism Sector

Tourism being the most robust industry in the economy is a vital 30% contributor to the nation’s GDP. This sector experienced

a shock with the tsunami of 26th December 2004. However, with concerted marketing by Ministry of Tourism and resorts, the

industry by May 2005 is recovering with average occupancy at above 50%. 2004 was a landmark year with tourist arrivals

topping 600,000 but post tsunami tourist arrivals have recovered to 50% by May 2005. As the leading industry in the country,

over 52% of overall bank credit at the end of year 2004 is accounted for by the tourism sector.

With the new 11 islands for tourism being awarded in April 2005 to prospective investors, the demand for additional credit to

finance the development of the resorts will be a challenge to the investors, operators as well as the financial institutions. It is

expected that project finance to this sector will increase tremendously with the potential bed capacity expansion. A high level

of potential investment amounting to approximately US$150.0 million is envisaged to meet the full requirement for the

development of the new resorts. The Bank will play a leading but prudent role in new resort financing based on full project

feasibility studies.

The

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Ann

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2828282828

2004

A direct result of the expansion of the capacity of this driving

sector would obviously be spill over effects felt in the

increase in the import of a large volume of construction

materials, expatriate labourers, etc over the twelve month

construction period.

Capacity utilization of the 11 new resorts will have to be

undoubtedly met by stepped up joint marketing endeavours

by private resorts as well as the Ministry of Tourism, both

regionally and internationally.

Transport Sector

Due to the geographical nature of the Maldives, one of the

key issues faced by all the businesses, particularly the tourism

industry is the limited availability of convenient and affordable

transport.

With a view to meet the current and potential demand to transfer more tourists to and from the resort destinations, the

domestic air transport companies are committed to pursue their mission to cover all resorts within the Maldives with additional

aeroplane and seaplane routes. The Government has developed Gan Airport in Addu Atoll as the second international airport in

2004. In addition to providing a convenient refuelling stop for domestic planes, Gan International Airport will hopefully enable

more international connecting flights to the Maldives.

The Fisheries Sector

Fishing is the second largest industry in Maldives, contributing 7%of the Gross Domestic Products of the country. The Bank has

continued to be actively involved in this sector and plays an important role in supporting the fishermen in the atolls through its

Development Banking activities via the Bank’s branches and mobile banking units.

The

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Following a Government initiative to allow more private sector

participation in the fisheries sector, two separate zones in the

Maldives were opened for private investment on larger scales. As

a result, the Bank financed its first major fisheries project by

supporting one of the entrepreneurs who won the bids for

investment in a skipjack freezing and canning factory.

In 2005, the Bank made steps in financing a start up small

entrepreneur in a small scale yellow fin tuna fishing and processing

facility at K.Huraa. The Bank plans to study the fishing industry in

terms of products, markets and price volatility, and costs of

production to prepare for further financing of fisheries sector.Ann

ual R

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t

Bank of Maldives participated in the development project of“One &Only” Reethi Rah, Maldives.

Fish processing activity supported by the bank.

2929292929

2004

The Construction Sector

The Bank has been supporting the construction sector from its inception in granting credit to both residential and commercial

properties in Male’ and the atolls, and will continue to support this sector.

With the advent of the recently established Housing Development Finance Corporation to address the constraints of unavailability

of affordable long term funding for the much needed residential purposes, part of the housing credit requirement is expected to

be met by HDFC.

As the urbanization of Hulhumale’ progresses, the dynamism in construction sector is expected to grow.

In addition, the Bank continues to finance the local contractors to government projects and private sector resort projects.

16. Responsibility Statement

The Board of Directors hereby states:

i. that in the preparation of annual accounts, the applicable accounting standards have been followed along with proper

explanation relating to material departures;

ii. that it has selected such accounting policies and applied them consistently and made judgements and estimates that are

reasonable and prudent so as to give a true and fair view of the state of affairs of the Bank as at 31st December 2004, and

of the profit or loss of the Bank for the year ended on that date;

iii. that it has taken proper and sufficient care for the maintenance of adequate accounting records in accordance with the

provisions of the Companies Act of the Republic of Maldives, Law No: 10/96, Regulations for Banks and Financial Institutions

(1988) issued by the Maldives Monetary Authority for safeguarding the assets of the Bank and preventing and detecting

frauds and other irregularities and the Listing Rules of the Capital Market Development Section of Maldives Monetary

Authority; and

iv. that it has prepared the accounts on a going concern basis.

The Board of Directors affirms that there are no other interests of the Directors of the Bank except those disclosed in this

report and the accompanying financial statements.

The Board of Directors further affirms that no events have occurred since the balance sheet date, which would require adjustments

to, or disclosure in, the financial statements.

17. Conclusion

The Board of Directors takes this opportunity to acknowledge the invaluable support and cooperation extended to the Bank by

the Ministry of Finance and Treasury and the Maldives Monetary Authority.

The

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Ann

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3030303030

2004

The Board of Directors appreciates and thanks the shareholders and customers of the Bank for their close relations and

confidence in the Bank.

The Board of Directors also wishes to express appreciation to the Management and employees of the Bank for their dedicated

and efficient services and continued efforts in achieving the goals of the organisation.

Board of Directors

Bank of Maldives Plc 05th June 2005

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Ann

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3131313131

2004

Repo

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Report of the Auditors

To the Members of Bank of Maldives Plc

1 We have audited the accompanying balance sheet of Bank of Maldives Plc as of 31 December 2004 and the related

statements of income, changes in equity and cash flows for the year then ended, together with the accounting policies

and notes as set out on pages 32 to 55.

Respective Responsibilities of Directors and Auditors

2 The financial statements, set out on pages 32 to 55, are the responsibility of the Company’s Directors. Our responsibility

is to express an opinion on these financial statements based on our audit.

Basis of Opinion

3 We conducted our audit in accordance with International Standards on Auditing. Those Standards require that we plan

and perform the audit to obtain reasonable assurance about whether the financial statements are free of material

misstatement. An audit includes examining, on a test basis, evidence supporting the amounts and disclosures in the

financial statements. An audit also includes assessing the accounting principles used and significant estimates made by

management, as well as evaluating the overall financial statement presentation. We believe that our audit provides a

reasonable basis for our opinion.

Opinion

4 In our opinion, the financial statements give a true and fair view of the financial position of Bank of Maldives Plc as of

31 December 2004 and of the results of its operations, changes in equity and its cash flows for the year then ended in

accordance with International Accounting Standards.

05th June 2005

PricewaterhouseCoopers

Male’ Chartered Accountants

3232323232

2004

Inc

Inc

Inc

Inc

Inc o

me

Sta

ome

Sta

ome

Sta

ome

Sta

ome

Sta tttt t

emen

tem

ent

emen

tem

ent

emen

t Gross income

Interest income

Interest expense

Net interest income

Fee and commission income

Net trading income

Other operating income

Operating income

Less : Operating expenses

Staff costs

Premises, equipment and establishment expenses

Provision for bad and doubtful debts

Other operating expenses

Profit before tax

Income tax expense

Net profit for the year

Earnings per share - basic

4

5

5

5

6

7

8

9

10

11

12

14

200,841,528

153,488,430

(63,401,996)

90,086,434

29,897,333

4,999,525

12,456,240

137,439,532

(22,084,822)

(21,157,213)

(40,378,503)

(16,106,807)

37,712,187

(12,498,320)

25,213,867

207.15

286,588,701

198,543,251

(55,355,937)

143,187,314

59,985,663

12,117,771

15,942,016

231,232,764

(34,863,272)

(21,625,974)

(42,067,794)

(29,909,167)

102,766,557

(26,083,614)

76,682,943

629.99

(all amounts in Maldivian Rufiyaa) Year ended 31 December

Notes 2004 2003

The accounting policies on pages 36 to 39 and the notes on pages 40 to 55 form an integral part of these financial statements.

Ann

ual R

epor

t

3333333333

2004

Bala

ncBa

lanc

Bala

ncBa

lanc

Bala

nce

Shee

te

Shee

te

Shee

te

Shee

te

Shee

tASSETS

Cash and short term funds

Balances with Maldives Monetary Authority

Bills of exchange

Loans and advances

Investment

Property, plant and equipment

Other assets

Total assets

LIABILITIES

Deposits from non-bank customers

Borrowings

Bills, acceptances and other documentary credits

Other liabilities

Current tax

Deferred tax liabilities

Dividends payable

Total liabilities

SHAREHOLDERS' EQUITY

Share capital

Share premium

Reserves

Total shareholders' equity

Total equity and liabilities

Commitments and contingencies

15

16

18

19

22

23

24

25

26

28

27

29

29

30

31

346,838,680

820,048,905

9,959,056

1,064,951,491

6,425,000

71,951,175

3,132,729

2,323,307,036

1,933,269,421

68,175,611

1,059,347

34,593,099

9,862,406

2,635,914

1,112,140

2,050,707,938

36,516,000

11,270,040

224,813,058

272,599,098

2,323,307,036

291,031,813

472,835,206

840,151,950

32,763,935

1,821,166,165

11,425,000

75,983,424

26,763,474

3,281,089,154

2,776,190,087

89,087,943

2,377,552

45,820,283

25,014,493

3,705,035

566,520

2,942,761,913

36,516,000

11,270,040

290,541,201

338,327,241

3,281,089,154

411,903,991

(all amounts in Maldivian Rufiyaa) 31 December

Notes 2004 2003

Ann

ual R

epor

tThese financial statements were approved by the Board on 5th June 2005 and signed on their behalf by:

Ibrahim Zuhair Mohamed Abdul Sattar Serene Ho Oi Khuen

Chairman Director General Manager & Chief Executive Officer


3434343434

2004

Sta

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quit

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in E

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in E

quit

yes

in E

quit

yes

in E

quit

y

Reserves

199,599,191

25,213,867

224,813,058

224,813,058

76,682,943

(10,594,800)

290,541,201

Total

247,385,231

25,213,867

272,599,098

272,599,098

76,682,943

(10,954,800)

338,327,241

Share capital

36,516,000

-

36,516,000

36,516,000

-

-

36,516,000

Share

premium

11,270,040

-

11,270,040

11,270,040

-

-

11,270,040

(all amounts in Maldivian Rufiyaa)

Balance at 1 January 2003

Net profit

Balance at 31 December 2003

Balance at 1 January 2004

Net profit

Dividends for 2003

Balance at 31 December 2004


Notes

13

Ann

ual R

epor

t

3535353535

2004

Cash flows from operating activities

Interest receipts

Fees and commission receipts

Net trading income


Interest payments

Cash paid to employees and other expenses

Cash flows from operating profits before changes in operating

assets and liabilities

Changes in operating assets and liabilities:

(Increase) / Decrease in reserve deposit with MMA

Decrease in Assigned capital deposit with MMA

Increase in loans and advances to customers

Decrease in other assets

Increase in amounts due to customers

Increase in other liabilities

Net cash from operating activities before income tax

Income tax paid

Net cash (used in) / from operating activities

Cash flows from investing activities

Purchase of property, plant and equipment

Proceeds from sale of property, plant and equipment

Investment in bonds

Net cash used in investing activities

Cash flows from financing activities

Proceeds from borrowed funds

Repayments of borrowed funds

Dividends paid

Net cash from / (used in) financing activities

Net (decrease) / increase in cash and cash equivalents

Cash and cash equivalents at beginning of year

Cash and cash equivalents at end of year

153,488,430

29,897,333

4,999,525

12,456,240

(63,401,996)

(43,348,545)

94,090,987

36,400,180

-

(75,098,380)

90,706

244,011,781

1,298,655

300,793,929

(9,261,435)

291,532,494

(15,512,146)

84,166

-

(15,427,980)

374,863

(9,193,190)

(10,185,060)

(19,003,387)

257,101,127

288,030,114

545,131,241

198,543,251

59,985,663

12,117,771

15,942,016

(55,355,937)

(101,726,759)

129,506,005

(171,736,105)

3,258,000

(821,087,347)

494,912

842,920,666

16,713,481

69,612

(9,862,406)

(9,792,794)

(17,109,777)

112,125

(5,000,000)

(21,997,652)

34,459,865

(13,547,533)

(11,500,420)

9,411,912

(22,378,534)

545,131,241

522,752,707

(all amounts in Maldivian Rufiyaa) Year ended 31 December

Notes 2004 2003

33

23

17


Cas

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ash

Flo

Cas

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ash

Flo

Cas

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taw

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3636363636

2004

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1 Accounting policies

The principal accounting policies adopted in the preparation of these financial statements are set out below:

a) Basis of presentation

The financial statements are prepared in accordance with International Accounting Standards. The financial statements

are prepared under the historical cost convention whereby the transactions are recorded at the values prevailing on the

dates when the assets were acquired, the liabilities were incurred or the capital obtained.

b) Foreign currencies translation

Foreign currency transactions of the Bank are accounted for at the exchange rates prevailing at the date of the transations.

Gains and losses resulting from the settlement of such transactions and from the translation of monetary assets and liabilities

denominated in foreign currencies, are recognised in the income statement. Such balances are translated at year-end mid ex-

change rates unless hedged by forward foreign exchange contracts, in which case the rates specified in such forward contracts are

used.

c) Offsetting financial instruments

Financial assets and liabilities are offset and the net amount reported in the balance sheet when there is a legally enforceable right

to set off the recognised amounts and there is an intention to settle on a net basis or realise the asset and settle the liability

simultaneously.

d) Investments

Fixed asset investments excluding marketable securities are shown at cost and provision is only made, where, in the opinion of the

directors, there is a permanent diminution in their value. Where there has been a permanent diminution in the value of investment,

it is recognised as an expense in the period in which the diminution is identified.

On disposal of an investment, the difference between the net disposal proceeds and the carrying amount is charged or credited to

the income statement.

e) Computer software development costs

Generally, costs associated with developing computer software programmes are recognised as an expense as incurred. However,

expenditure that enhances and extends the benefits of computer software programmes beyond their original specifications and

lives is recognised as a capital improvement and added to the original cost of the software. Computer software development costs

recognised as assets are amortised using the straight-line method over their useful lives.

f) Loans and the provisions for loan impairment

All loans and advances are recognised when the cash is advanced to borrowers.

Ann

ual R

epor

t

3737373737

2004

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A specific credit risk provision for loan impairment is established to provide for management’s estimate of credit losses as soon as

the recovery of an exposure is identified as doubtful.

Provision for loan impairment are made on the basis of continuous review of all advances to customers, in accordance with the

requirements specified by the Maldives Monetary Authority based on aged classification of advances as follows:

Period outstanding Classification Provision made

3 - 6 months Especially mentioned 5 %

More than 6 months and upto 12 months Substandard 10 % - 20 %

More than 12 months and upto 24 months Doubtful 35 % - 50%

More than 24 months Loss 100%

A general provision for loan impairment is established to conservatively cover losses in the lending portfolio at the balance sheet

date, but which have not been specifically identified as such.

When a loan is deemed uncollectible, it is written off against the related provision for impairments. Subsequent recoveries are

credited to the income statement if previously written off.

g) Property, plant and equipment

All property, plant and equipment, which are initially recorded at historical cost, is stated at cost less depreciation.

Depreciation is calculated on the straight-line method to write-off the cost of each asset, to their residual values over their

estimated useful life as follows:

Bank premises - 20 years

Computer hardware and software - 3 - 5 years

Furniture and equipment - 3 - 5 years

Motor vehicles / vessels - 5 years

Leasehold buildings are amortised over the unexpired period of the lease.

The charge for the depreciation commences from the date on which the asset is put to use.

Where the carrying amount of an asset is greater than its estimated recoverable amount, it is written down immediately to its

recoverable amount.

Gains and losses on disposal of property, plant and equipment are determined by reference to their carrying amount and are taken

into account in determining operating profit.

Repairs and renewals are charged to the income statement when the expenditure is incurred.

Ann

ual R

epor

t

3838383838

2004

h) Operating leases

Leases of assets under which all the risks and benefits of ownership are effectively retained by the lessor are classified as operating

leases. Payments made under operating leases are charged to the income statement on a straight-line basis over the period of the

lease.

When an operating lease is terminated before the lease period has expired, any payment required to be made to the lessor by way

of penalty is recognised as an expense in the period in which termination takes place.

i) Cash and cash equivalents

For the purposes of the cash flow statement, cash and cash equivalents comprise balances with less than 90 days maturity from

the date of acquisition including cash and amounts due from other banks.

j) Provisions

Provisions are recognised when the Bank has a present legal or constructive obligation as a result of past events, it is probable

that an outflow of resources embodying economic benefits will be required to settle the obligation, and a reliable estimate of the

amount of the obligation can be made.

k) Defined contribution plan

All employees of the Bank are members of the Bank of Maldives Plc Provident Fund, to which the Bank contributes 10% of

employees' monthly basic salary.

l) Deferred income taxes

Deferred income tax is provided in full, using the liability method, on temporary differences arising between the tax bases

of assets and liabilities and their carrying amounts in the financial statements. Currently enacted tax rates are used in the

determination of deferred income tax.

The principal temporory differences arise from depreciation of property, plant and equipment and provision on impairment

of loans.

m) Acceptances

Acceptances comprise undertaking by the Bank to pay the bills of exchange drawn on customers. The Bank expects most accep-

tances to be settled simultaneously with reimbursement from the customers. Acceptances are accounted for as off balance sheet

transactions and are disclosed as contingent liabilities and commitments.

Ac

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Ann

ual R

epor

t

3939393939

2004

n) Income and expenses

Interest income and expense are recognised in the income statement for all interest bearing instruments on an accrual basis using

the effective yield method based on the actual purchase price.

o) Revenue recognition

(a) Interest income from customer advances:

Interest income from advances to customers is recognised on an accrual basis. However, interest income is suspended when

loans become doubtful of collection, such as when overdue by more than 90 days. Such income is excluded from interest

income until received.

(b) Commission and fee income:

Commission and fee income mainly comprise fees receivable from customers for guarantees and other services provided by

the Bank, and fees for foreign and domestic payment tariff. Such income is recognised as revenue as the services are

provided.

Income on the endorsement of bills of exchange is recognised only when the bill is received and either issued or endorsed,

and the payment under the particular instrument has been effected.

(c) Recovery of non-performing loans and advances:

Amounts recovered from non-performing loans and advances are recognised as income on a cash basis, to the extent of

provision made.

p) Comparatives

Where necessary, comparative figures have been adjusted to conform with changes in presentation in the current year.

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Ann

ual R

epor

t

4040404040

2004

Us

Us

Us

Us

Us e

of F

inan

cial

inst

rum

ents

e of

Fin

anci

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stru

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tse

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inst

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e of

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ents

2 Use of Financial Instrument

a) A strategy in using financial instruments

By its nature, the Bank's activities are principally related to the use of financial instruments. The Bank accepts deposits from

customers at fixed rates and for various periods and seeks to earn above average interest margins by investing these funds in high

quality assets. The Bank seeks to increase these margins by consolidating short-term funds and lending for longer periods at

higher rates whilst maintaining sufficient liquidity to meet all claims that might fall due.

The Bank also seeks to raise its interest margins by obtaining above average margins, net of provisions, through lending to

commercial and retail borrowers with a range of credit standing. Such exposures involve not just on - balance sheet loans and

advances but the Bank also enters into guarantees and other commitments such as letters of credit and performance.

b) Capital adequacy

To monitor the adequacy of its capital, the Bank uses ratios established by the Maldives Monetary Authority (MMA). These ratios

measure capital adequacy (minimum 8% as required by MMA) by comparing the Bank's eligible capital with its balance sheet

assets, off balance sheet commitments and market and other risk positions at weighted amounts to reflect their relative risk.

The Bank's capital adequacy level was as follows:

Capital ratios

Tier 1 capital

Tier 1 + Tier 2 capital

2004

272,599

338,327

2003

247,385

272,599

2004

12.12

15.05

2003

18.31

20.18

2004

4%

8%

2003

4%

8%

Bank % MMA %(minimum)

Balance sheet assets (net of provisions)

Due from other banks

Loans and advances to customers

Fixed assets

Other assets

Other investments

Off-balance sheet positions

Direct credit substitutes

Short term self - liquidating

Trade related contingencies

Total risk weighted assets

400,813

1,853,930

75,983

26,763

11,425

2,368,914

67,651

211,757

132,496

411,904

284,710

1,074,911

71,951

3,132

6,425

1,441,129

44,884

145,558

100,590

291,032

80,163

1,853,930

75,983

26,763

11,425

2,048,264

67,651

105,879

26,499

200,029

2,248,292

56,942

1,074,911

71,951

3,132

6,425

1,213,361

44,884

72,779

20,118

137,781

1,351,142

(amounts in Maldivian Rufiyaa '000)Balance sheet

notional amount

2004 2003

Risk weighted

amount

2004 2003

Ann

ual R

epor

t

4141414141

2004

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c) Credit risk

The bank takes on exposure to credit risk which is the risk that a counterparty will be unable to pay amounts in full when due.

Exposure to credit risk is managed through regular analysis of the ability of borrowers and potential borrowers to meet interest and

capital repayment obligations and by changing these lending limits where appropriate. Exposure to credit risk is also managed in

part by obtaining collateral and corporate and personal guarantees.

d) Interest rate risk

The Bank takes on exposure to the effects of fluctuations in the prevailing levels of market interest rates on its financial position

and cash flows. Interest margins may increase as a result of such changes but may reduce or create losses in the event that

unexpected movements arise.

The Management monitors the mismatch of interest rate and take corrective action on a regular basis.

e) Liquidity risk

The Bank is exposed to daily calls on its available cash resources from overnight deposits, current accounts, maturing deposits,

loan draw downs, guarantees and from margin and other calls on cash settled derivatives. The Bank does not maintain cash

resources to meet all of these needs as experience shows that a minimum level of reinvestment of maturing funds can be predicted

with a high level of certainty.

The Management monitors on the minimum proportion of maturing funds available to meet such calls and on the minimum level of

interbank and other borrowing facilities that should be in place to cover withdrawals at unexpected levels of demand.

Maturity analysis

An analysis of the interest bearing assets and liabilities based on the remaining period at the balance sheet date to the

respective contractual maturity dates:

Assets

Money at call and short notice

Certificate of deposits

Balances with MMA

Bills of exchange

Loans and advances

Other assets

Total assets

Liabilities

Deposits

Borrowings

Other liabilities

Total liabilities

Net liquidity gap

Upto

3 months

Rf

364,252,225

49,917,501

790,234,449

32,763,935

692,785,012

135,776,620

2,065,729,742

2,396,265,289

784,855

60,981,398

2,458,031,542

(392,301,800)

3 - 12

months

Rf

-

-

-

-

103,490,701

6,290,501

109,781,202

370,425,445

14,129,504

-

384,554,949

(274,773,747)

1 - 3

years

Rf

-

-

-

-

442,061,445

9,671,352

451,732,797

9,374,353

29,622,985

-

38,997,338

412,735,459

3 - 5

years

Rf

-

-

-

-

423,209,846

19,652,849

442,862,695

125,000

12,705,490

-

12,830,490

430,032,205

More than

5 years

Rf

-

-

-

-

159,619,161

51,363,557

210,982,718

-

31,845,109

16,502,485

48,347,594

162,635,124

Total

Rf

364,252,225

49,917,501

790,234,449

32,763,935

1,821,166,165

222,754,879

3,281,089,154

2,776,190,087

89,087,943

77,483,883

2,942,761,913

338,327,241

Ann

ual R

epor

t

4242424242

2004

Us

Us

Us

Us

Us e

of F

inan

cial

inst

rum

ents

e of

Fin

anci

al in

stru

men

tse

of F

inan

cial

inst

rum

ents

e of

Fin

anci

al in

stru

men

tse

of F

inan

cial

inst

rum

ents

Demand and savings deposits have been categorised as upto 3 months maturity group. However a major part of these deposits

represent a core retail deposit base with longer term maturity. Bills of exchange and loans and advances are shown net of

interest in suspense and provision for bad and doubtful debts.

The matching and controlled mismatching of the maturities and interest rates of assets and liabilities is fundamental to the

management of the Bank. It is unusual for Banks ever to be completely matched since business transacted is often of uncertain

term and of different types. An unmatched position potentially enhances profitability, but also increases the risk of losses.

The maturities of assets and liabilities and the ability to replace, at an acceptable cost, interest bearing liabilities as they mature,

are important factors in assessing the liquidity of the Bank and its exposure to changes in interest rates and exchange rates.

Liquidity requirements to support calls under guarantees and standby letters of credit are considerably less than the amount of

the commitment because the Bank does not generally expect the third party to draw funds under the agreement. The total

outstanding contractual amount of commitments to extend credit does not necessarily represent future cash requirements,

since many of these commitments will expire or terminate without being funded.

Ann

ual R

epor

t

4343434343

2004

Not

Not

Not

Not

Not

es t

es t

es t

es t

es t

o th

e fin

anci

al s

tao

the

finan

cial

sta

o th

e fin

anci

al s

tao

the

finan

cial

sta

o th

e fin

anci

al s

tatttt t e

men

tsem

ents

emen

tsem

ents

emen

ts

(In the notes all amounts are shown in Maldivian Rufiyaa unless otherwise stated)

3 Principal activities

The principal activities of the Bank consist of the business of commercial banking and other financial services

including trade financing, custodial services and development financing. There have been no significant changes in

the nature of these activities during the year.

4 Gross income

Interest income

Fee and commission income

Net trading income


5 Net interest income

Interest income

Customer advances

MMA certificate of deposits

Short term finance

Assigned capital and reserve deposits

Interest expense

Customers deposits

Borrowed funds

Others

Net interest income

2004

198,543,251

59,985,663

12,117,771

15,942,016

286,588,701

2004

178,335,062

6,564,820

7,562,084

6,081,285

198,543,251

50,833,355

4,517,284

5,298

55,355,937

143,187,314

2003

153,488,430

29,897,333

4,999,525

12,456,240

200,841,528

2003

128,879,820

14,503,337

3,059,409

7,045,864

153,488,430

59,886,778

3,510,871

4,347

63,401,996

90,086,434

Ann

ual R

epor

t

4444444444

2004

6 Fee and commission income

Commissions on pay orders

Commissions on guarantees

Commissions on documentary credits

Commissions on discounting of bills

Commissions on card operations

Others

7 Other operating income

Rental income

Telex and fax charges recoveries

Recovery of non-performing advances

Recovery of bad debts previously written off

Profit on disposal of property, plant and equipment

Others

8 Staff costs

Salaries

Incentive bonus

Other allowances

The average number of persons employed by the Bank during the year was 328 (2003: 270).

9 Premises, equipment and establishment expenses

Depreciation (Note 23)

Operating lease rentals

- property

Rentals

Electricity

Insurance

Repairs and maintenance

Others

2004

17,373,346

8,514,733

3,333,808

5,186,936

16,179,237

9,397,603

59,985,663

2004

-

3,660,302

10,767,000

89,750

86,701

1,338,263

15,942,016

2004

16,297,823

4,837,668

13,727,781

34,863,272

2004

13,052,104

1,997,301

231,909

2,850,542

404,494

2,969,178

120,446

21,625,974

2003

13,785,780

4,544,830

1,387,438

2,434,979

3,467,090

4,277,216

29,897,333

2003

1,020,000

2,475,566

7,957,623

33,480

-

969,571

12,456,240

2003

11,365,406

3,094,150

7,625,266

22,084,822

2003

13,434,269

1,690,431

351,110

2,360,555

398,468

2,804,593

117,787

21,157,213

Not

Not

Not

Not

Not

es t

es t

es t

es t

es t

o th

e fin

anci

al s

tao

the

finan

cial

sta

o th

e fin

anci

al s

tao

the

finan

cial

sta

o th

e fin

anci

al s

tatttt t e

men

tsem

ents

emen

tsem

ents

emen

tsA

nnua

l Rep

ort

4545454545

2004

10 Provision for bad and doubtful debts

Specific provision for loans and advances

General provision for loans and advances

11 Other operating expenses

Directors fees

Legal charges

Loss / (profit) on disposal of property, plant and equipment

Auditors’ remuneration

Donations

Communication expenses

Consultancy fees

Software license fees

Stationery expenses

Advertisement

Cash carrying expenses

Subscription

Credit card expenses

Others

12 Income tax expense

Current tax

Deferred tax (Note 28)

The tax on Bank’s profit before tax differs from the theoretical amount that would arise using the basic tax rate as

follows:

Profit before tax

2004

35,772,047

6,295,747

42,067,794

2004

124,500

558,861

-

143,360

215,940

7,160,167

1,312,591

4,989,170

3,397,555

1,371,896

74,542

97,673

5,917,307

4,545,605

29,909,167

2004

25,014,493

1,069,121

26,083,614

2004

102,766,557

2003

38,336,503

2,042,000

40,378,503

2003

130,600

567,455

260,903

89,600

39,670

4,036,374

239,974

3,041,855

2,488,132

344,491

93,080

12,368

1,453,419

3,308,886

16,106,807

2003

9,862,406

2,635,914

12,498,320

2003

37,712,187

Not

Not

Not

Not

Not

es t

es t

es t

es t

es t

o th

e fin

anci

al s

tao

the

finan

cial

sta

o th

e fin

anci

al s

tao

the

finan

cial

sta

o th

e fin

anci

al s

tatttt t e

men

tsem

ents

emen

tsem

ents

emen

tsA

nnua

l Rep

ort

4646464646

2004

Tax calculated at a tax rate of 25%

Expenses not deductible for tax purposes

Deferred tax not provided in the previous year

Deferred tax not been recognised in the year

Further information about deferred income tax is presented in Note 27.

13 Dividends

Dividends payable are not accounted for until they have been ratified at the Annual General Meeting. At the

meeting of Board of Directors held on 3rd May 2004, a dividend in respect of 2004 of Rf 95 per share (2003 - Rf 90

per share) amounting to a total of Rf 11,563,400 (2003-Rf 10,954,800) was proposed. These financial statements

do not reflect this dividend payable, which will be accounted for under shareholders’ equity as an appropriation of

retained earnings for the year ending 31st December 2005.

14 Earnings per share

Basic earnings per share is calculated by dividing the net profit attributable to shareholders by the weighted

average number of ordinary shares in issue during the year.

Net profit attributable to shareholders

Weighted average number of ordinary shares in issue

Basic earnings per share

15 Cash and short term funds

Cash in hand

Balances with other banks

Money at call and short notice

16 Balances with Maldives Monetary Authority (MMA)

Assigned capital deposit

Reserve deposit

Certificates of deposit

2003

9,428,046

434,360

2,635,914

-

12,498,320

2003

25,213,867

121,720

207.15

2003

62,128,427

79,910,253

204,800,000

346,838,680

2003

18,258,000

603,498,344

198,292,561

820,048,905

2004

25,691,639

391,975

-

-

26,083,614

2004

76,682,943

121,720

629.99

2004

72,021,641

36,561,340

364,252,225

472,835,206

2004

15,000,000

775,234,449

49,917,501

840,151,950

Not

Not

Not

Not

Not

es t

es t

es t

es t

es t

o th

e fin

anci

al s

tao

the

finan

cial

sta

o th

e fin

anci

al s

tao

the

finan

cial

sta

o th

e fin

anci

al s

tatttt t e

men

tsem

ents

emen

tsem

ents

emen

tsA

nnua

l Rep

ort

4747474747

2004

(a) Assigned capital deposit :

As per the regulations of Maldives Monetary Authority (MMA) the Bank is required to maintain a reserve of 50% of

the minimum required capital, as assigned capital deposit.

(b) Reserve deposit :

MMA regulations require the commercial banks to maintain a reserve of 30% of demand and time liabilities, excluding

interbank liabilities and margin deposits for male’ based branches and it is 15% for other branches.

17 Cash and cash equivalents

For the purposes of cash flow statement, cash and cash equivalents comprise the following balances with less than

90 days maturity:

Cash and short term funds (Note 15)

Certificates of deposit (Note 16)

18 Bills of exchange

Export bills

Import bills

Less : Provision for impairment [Note 19 (a)]

Net bills of exchange

19 Loans and advances

Overdrafts

Loans

Trust receipts

Credit Card balances

Staff loans

Less : Provision for impairment [Note 19 (a)]

Less : Interest in suspense (Note 20)

Net loans and advances

2004

472,835,206

49,917,501

522,752,707

2004

2,872,395

31,099,225

(1,207,685)

32,763,935

2004

485,153,315

1,430,966,451

35,386,513

10,878,524

8,137,715

1,970,522,518

(86,496,284)

(62,860,069)

1,821,166,165

2003

346,838,680

198,292,561

545,131,241

2003

7,385,952

3,024,522

(451,418)

9,959,056

2003

204,170,848

973,808,787

1,791,027

-

9,244,318

1,189,014,980

(55,951,757)

(68,111,732)

1,064,951,491

Not

Not

Not

Not

Not

es t

es t

es t

es t

es t

o th

e fin

anci

al s

tao

the

finan

cial

sta

o th

e fin

anci

al s

tao

the

finan

cial

sta

o th

e fin

anci

al s

tatttt t e

men

tsem

ents

emen

tsem

ents

emen

tsA

nnua

l Rep

ort

4848484848

2004

Movement in provision for impairment are as follows:

(a) Specific provision

Balance at 1 January

Amount recovered during the year

Provision made during the year

Balance at 31 December

(b) General provision


Amount recovered during the year

Provision made during the year


Total

20 Movement in interest in suspense


Amount suspended during the year

Amount reversed due to recovery and reschedulement


21 Assets quality

Non performing assets included as advances and bills of exchange on which interest is not being accrued are as

follows:

Loans and advances

Bills of exchange

2004

52,261,175

(10,767,000)

35,772,047

77,266,222

4,142,000

-

6,295,747

10,437,747

87,703,969

2004

68,111,732

25,239,568

(30,491,231)

62,860,069

2004

234,695,046

15,010,334

249,705,380

2003

21,422,026

(7,948,772)

38,787,921

52,261,175

2,100,000

-

2,042,000

4,142,000

56,403,175

2003

51,432,345

32,263,100

(15,583,713)

68,111,732

2003

193,599,159

2,288,122

195,887,281

Not

Not

Not

Not

Not

es t

es t

es t

es t

es t

o th

e fin

anci

al s

tao

the

finan

cial

sta

o th

e fin

anci

al s

tao

the

finan

cial

sta

o th

e fin

anci

al s

tatttt t e

men

tsem

ents

emen

tsem

ents

emen

tsA

nnua

l Rep

ort

4949494949

2004

22 Investment

At the begining of the year

Addtions

at the end of the year

Furniture &

Equipment

8,036,760

1,029,742

(516,046)

8,550,456

5,235,393

1,287,663

(511,094)

6,011,962

2,538,494

Motor

Vehicles

& Vessels

5,580,781

1,136,121

(430,690)

6,286,212

5,478,909

221,778

(429,467)

5,271,220

1,014,992

Total

2004

125,798,576

17,109,777

(1,171,101)

141,737,252

53,847,401

13,052,104

(1,145,677)

65,753,828

75,983,424

Bank

Premises

64,189,677

-

-

64,189,677

16,041,624

3,209,496

-

19,251,120

44,938,557

Leasehold

Buildings

2,440,901

89,246

-

2,530,147

934,243

447,698

-

1,381,941

1,148,206

Computer

Equipment

45,550,457

14,854,668

(224,365)

60,180,760

26,157,232

7,885,469

(205,116)

33,837,585

26,343,175

Cost of Property, Plant

and Equipment

Balance at beginning of the

year

Additions during the year

Disposals during the year

Balance at

end of the year

Accumulated

Depreciation

Balance at

beginning of the year

Depreciation for

the year (Note 9)

Depreciation on disposals

Balance at

end of the year

Net book value at

end of the year

Total

2003

112,739,051

15,512,146

(2,452,621)

125,798,576

42,520,684

13,434,269

(2,107,552)

53,847,401

71,951,175

23 Property, Plant & Equipment

(a) Some of the branch offices operate from premises leased from third parties, for which an aggregate sum of

Rf 1,997,301 (2003 - Rf 1,690,431) were paid as operating lease rentals.

(b) The cost of fully depreciated assets at the balance sheet date amounted Rf 22,306,462 (2003 - Rf 13,634,596)

Available-for

Sale

6,425,000

-

6,425,000

Hold - to-

maturity

-

5,000,000

5,000,000

Total

2004

6,425,000

5,000,000

11,425,000

Total

2003

6,425,000

-

6,425,000

Available-for-sale investments consist of investment in equity shares of MFLC and held-to-maturity investments consists of investment

in bonds issued by Housing Development Finance Corporation Ltd, are stated at cost, since the fair value of these unlisted shares

and bonds cannot be measured reliably.

Not

Not

Not

Not

Not

es t

es t

es t

es t

es t

o th

e fin

anci

al s

tao

the

finan

cial

sta

o th

e fin

anci

al s

tao

the

finan

cial

sta

o th

e fin

anci

al s

tatttt t e

men

tsem

ents

emen

tsem

ents

emen

tsA

nnua

l Rep

ort

5050505050

2004

24 Other assets

Deposits and prepayments

Other debtors

25 Deposits from non-bank customers

Current account deposits

Saving deposits

Term deposits

Margins on letters of credit

Margins on bank guarantee

Included in customer accounts are deposits of Rufiyaa 29,450,467 ( 2003 - Rf 21,970,164) held as collateral for

irrevocable commitments under import letters of credit and bank guarantees.

26 Borrowings

International Fund for Agricultural Development (IFAD)

Opec Fund for International Development (OPEC)

German Investment and Development Company (DEG)

2004

25,659,269

1,104,205

26,763,474

2004

936,695,589

1,222,170,179

587,873,852

11,695,876

17,754,591

2,776,190,087

2004

41,269,793

8,097,798

39,720,352

89,087,943

2003

1,533,612

1,599,117

3,132,729

2003

664,683,498

862,688,972

383,926,787

14,499,687

7,470,477

1,933,269,421

2003

43,642,767

8,705,326

15,827,518

68,175,611

The Bank has entered into a Subsidiary Loan agreement with the Government of Maldives to execute the Atoll Credit and

Development Banking Project. Under this agreement the Development Banking Cell of the Bank has received funds, to be

disbursed under a refinance scheme sponsored by International Fund for Agricultural Development (IFAD). These funds are

received from the Government at 1% interest per annum during the six year project period and 3% per annum thereafter,

over the remaining period. The interest and principal shall be repayable in 40 semi annual installments in Rufiyaa beginning

from May 2000 until November 2019.

Further, the Bank has entered into another Subsidiary Agreement with the Government to execute Southern Atolls Development

Project covering Southern Atolls of the Republic of Maldives in December 1996. Under the Subsidiary Agreement the Bank

receives funds to be disbursed under refinance schemes sponsored by International Fund for Agricultural Development

(IFAD) and Opec Fund for International Development (OPEC). These funds obtained from the Government of Maldives carry

5% interest per annum for the six years and the subsequent rate of interest will be determined based on the market deposit

rates, the sustainability of development banking operations and the need for the Bank to cover its transaction costs from the

available spread. The principal is repayable in 30 equal semi annual installments starting from March 2002 until September

2016.

Not

Not

Not

Not

Not

es t

es t

es t

es t

es t

o th

e fin

anci

al s

tao

the

finan

cial

sta

o th

e fin

anci

al s

tao

the

finan

cial

sta

o th

e fin

anci

al s

tatttt t e

men

tsem

ents

emen

tsem

ents

emen

tsA

nnua

l Rep

ort

5151515151

2004

Maturity of borrowings

Not later than 1 year

Later than 1 year and not later than 5 years

Later than 5 years

27 Deferred income taxes

Deferred income taxes are calculated on all temporary differences under the liability method using an effective tax

rate of 25%.

The movement on the deferred tax account is as follows :

At the beginning of the year

Accelerated tax depreciation

At end of the year

The deferred tax charge in the income statement represent the following temporary difference:

Accelerated tax depreciation

2004

14,914,359

42,328,475

31,845,109

89,087,943

2004

2,635,914

1,069,121

3,705,035

2004

1,069,121

2003

14,021,816

19,155,332

34,998,463

68,175,611

2003

-

2,635,914

2,635,914

2003

2,635,914

DEG is a financial institution funded by the Federal Republic of Germany. The bank obtained a loan of Deutsche Mark eight

million (DM 8 million) during 1998. The interest rate of the loan is EURO LIBOR plus 3.35% p.a on the balance outstanding

and the interest is payable semi annually in arrears. The interest and principal shall be repaid in 12 semi annual installments

in Euro beginning from November 1999 until May 2005 and is secured by the guarantee of Government of Republic of

Maldives.

Further, the bank has obtained a loan from DEG for Euro two million (EUR 2 Million) during 2004. The interest rate of the

loan is EURO LIBOR plus 3.35% p.a. on the balance outstanding and the interest is payable semi-annually in arrears. The

interest and principal shall be repaid in 6 semi annual instalments in Euro beginning from November 2005 until May 2008

and is secured by the guarantee of Government of Republic of Maldives.

Not

Not

Not

Not

Not

es t

es t

es t

es t

es t

o th

e fin

anci

al s

tao

the

finan

cial

sta

o th

e fin

anci

al s

tao

the

finan

cial

sta

o th

e fin

anci

al s

tatttt t e

men

tsem

ents

emen

tsem

ents

emen

tsA

nnua

l Rep

ort

5252525252

2004

28 Other liabilities

Accrued expenses

Employees provident fund

Provision for other losses

Sundry creditors

29 Ordinary shares and share premium

At 31 December 2003

At 31 December 2004

The total authorised number of ordinary shares is 1,000,000 shares (2003 - 1,000,000 shares) with a par value of

Rf 300 (2003 - Rf 300) per share. All issued shares are fully paid.

30 Reserves

Statutory reserve

Assigned capital reserve

General reserve

Total reserves at end of year

Movement in reserves were as follows:

Statutory reserve

At beginning of year

Transfer from general reserve

At end of year

Assigned capital reserve


At end of year

2004

12,272,535

16,502,485

255,099

16,790,164

45,820,283

Share

premium

11,270,040

11,270,040

2004

30,000,000

6,000,000

254,541,201

290,541,201

2004

54,457,899

(24,457,899)

30,000,000

6,000,000

6,000,000

2003

14,694,826

13,805,736

2,000,900

4,091,637

34,593,099

Total

47,786,040

47,786,040

2003

54,457,899

6,000,000

164,355,159

224,813,058

2003

54,457,899

-

54,457,899

6,000,000

6,000,000

Number

of shares

121,720

121,720

Ordinary

shares

36,516,000

36,516,000

Not

Not

Not

Not

Not

es t

es t

es t

es t

es t

o th

e fin

anci

al s

tao

the

finan

cial

sta

o th

e fin

anci

al s

tao

the

finan

cial

sta

o th

e fin

anci

al s

tatttt t e

men

tsem

ents

emen

tsem

ents

emen

tsA

nnua

l Rep

ort

5353535353

2004

As per the subsidiary loan agreement between the Bank and the Government of the Republic of Maldives, on Atolls

credit and development banking project, the bank reserved Rf 6.0 Mn as Assigned capital reserve.

General reserve


Net profit for year

Dividends for 2003

Transfer to statutory reserve

At end of year

Total reserves


Net profit for year

Dividends for 2003

At end of year

31 Contingencies

(a) Contingent liabilities

In the normal course of business, the Bank makes various commitments and incurs certain contingent liabilities

with legal recourse to its customers. No material losses are anticipated as a result of these transactions. The

commitments are quantified below:

Acceptances

Letter of credits

Guarantees

(b) Litigation against the bank

In the normal course of business, the Bank is involved in various types of litigation, including litigation with

borrowers who are in default under terms of their loan agreements. In certain circumstances, borrowers have

lodged defences.

2004

164,355,159

76,682,943

(10,954,800)

24,457,899

254,541,201

224,813,058

76,682,943

(10,954,800)

290,541,201

2004

67,650,528

132,496,952

211,756,511

411,903,991

2003

139,141,292

25,213,867

-

-

164,355,159

199,599,191

25,213,867

-

224,813,058

2003

44,883,626

100,590,340

145,557,847

291,031,813

Not

Not

Not

Not

Not

es t

es t

es t

es t

es t

o th

e fin

anci

al s

tao

the

finan

cial

sta

o th

e fin

anci

al s

tao

the

finan

cial

sta

o th

e fin

anci

al s

tatttt t e

men

tsem

ents

emen

tsem

ents

emen

tsA

nnua

l Rep

ort

5454545454

2004

Appeal have been filed in the High Court against lower court judgement in favour of the Bank. If the appeal is successful,

the loss to the Bank would be the reduction in the expected recoveries from the non-performing accounts. A sum of Rf 1.10

Million will be affected from the outcome. The ultimate amount of loss will however depend on conclusion of appeal. The

Judgement of the High Court may be further appealed to the President.

In the opinion of Management, based on its assessment and consultation with outside counsel, litigation which is currently

pending against the Bank will not have a material impact on the financial condition or future operations of the Bank as a

whole.

(c) Unutilised irrevocable commitments

The unutilised value of irrevocable commitments relating to letters of credit, acceptances and permanent overdrafts which

cannot be withdrawn at the discretion of the Bank, without risk of incurring significant penalties or expenses approximates

to Rf 277,731,268 (2003 - Rf 131,624,784) as at the balance sheet date.

(d) Investment

The Board of Directors of Bank of Maldives Plc has subscribed and paid at par value for a shareholding up to 10 (ten)

percent in the total equity share capital of MFLC at an aggregate amount equal to US$ 500,000 (Rf 6,425,000). The Bank

is required to enter into a Put Option agreement with International Finance Corporation (IFC) and under the said Put

Option, IFC shall have the right to sell its shares in MFLC as specified in the Put Option to, inter alia, the Bank, and the Bank

is obliged to purchase from IFC the shares thus offered to the Bank. The Bank's said obligations under the Put Option may

be continued as an unquantifiable contingent liability and the Government has agreed to indemnify the Bank against such

contingent liability.

(e) Contingent assets

There were no material contingent assets recognised at the balance sheet date.

32 Commitments

(a) Capital commitments

There were no material capital commitments outstanding as at the balance sheet date.

Not

Not

Not

Not

Not

es t

es t

es t

es t

es t

o th

e fin

anci

al s

tao

the

finan

cial

sta

o th

e fin

anci

al s

tao

the

finan

cial

sta

o th

e fin

anci

al s

tatttt t e

men

tsem

ents

emen

tsem

ents

emen

tsA

nnua

l Rep

ort

5555555555

2004

(b) Operating lease commitments

The future minimum lease payments under non-cancellable operating leases are as follows:

Not later than 1 year

Later than 1 year and not later than 5 years

Later than 5 years

33 Cash generated from operations

Reconciliation of net profit to cash generated from operations:

Profit before tax

Adjustments for :

Depreciation (Note 9)

Profit on sale of property, plant and equipment

Provision for other losses

Provision for bad and doubtful debts

Increase in other accrued expenditure

(Increase) / decrease in prepayments and advances

Cash generated from operations

34 Post balance sheet events

No events have occured since the balance sheet date, which would require adjustments to, or disclosure in, the

financial statements.

2004

1,441,780

3,567,920

140,000

5,149,700

2004

102,766,557

13,052,104

(86,701)

(1,745,801)

42,067,794

(2,422,291)

(24,125,657)

129,506,005

2003

1,690,431

2,963,000

260,000

4,913,431

2003

37,712,187

13,434,269

260,903

486,004

40,378,503

2,865,382

(1,046,261)

94,090,987

Not

Not

Not

Not

Not

es t

es t

es t

es t

es t

o th

e fin

anci

al s

tao

the

finan

cial

sta

o th

e fin

anci

al s

tao

the

finan

cial

sta

o th

e fin

anci

al s

tatttt t e

men

tsem

ents

emen

tsem

ents

emen

tsA

nnua

l Rep

ort

5656565656

2004

)S( kuwqyaSq hifumuge komiTqmenqTq )S( kuwqyaSq hifumuge komiTqmenqTq )S( kuwqyaSq hifumuge komiTqmenqTq )S( kuwqyaSq hifumuge komiTqmenqTq )S( kuwqyaSq hifumuge komiTqmenqTq

kuwqyaSq hifumAguLigenq kenqsalqnukurevEgotaSq huri komiTqmanqTatakaSq kurimagugawi wenqme madunq dawqkanqjehE fawisA tirIgawi bayAnqkoSqfawi wevanI weve.

1 waharaSqvure fasqnukoSq1 waharaSqvure fasq 5 waharaSqvure faasqnukoSq5 waharaSqvure fasqkoSq

33. 33. 33. 33. 33.hinqgumunq libunu fawisA hinqgumunq libunu fawisA hinqgumunq libunu fawisA hinqgumunq libunu fawisA hinqgumunq libunu fawisA

sAfu fawidA hinqgumunq libunu fawisAwA rikonqsawilqkurunq:

Tekqsq negumuge kurinq wotq fawidA

hamajewqsunq:balaSqkenDunq )nOTq 9(pqroparTI, pqlAnqTq wAwi wikuwipqmenqTq viwqkumuge )fawidA( / gewqlunq )nOTq 7(wehenihenq gewqlumaSq behewqTi )wunivi( / wituruvinulibEnekamaSq belevE lOnaSq behewqTi )nOTq 01(wewqkurevunu wehenihenq Karadu )wunivi( / wituruvikurinq dawqkAfawivA fawisA wAwi lOnq wituruvihinqgumunq libunu fawisA

43. 43. 43. 43. 43.belenqsq CITqge tArIKuge fahuge hAdisAtawq belenqsq CITqge tArIKuge fahuge hAdisAtawq belenqsq CITqge tArIKuge fahuge hAdisAtawq belenqsq CITqge tArIKuge fahuge hAdisAtawq belenqsq CITqge tArIKuge fahuge hAdisAtawq

belenqsq CITqge tArIKuge fahunq, mAlI bayAnqtakaSq badalewq genqnanqjehE nuvata wekamewq hAmakuranqjehE wewqvesq kamewq hingAfawewq nuveweve.

2003

1,690,431

2,963,000

260,000

4,913,431

2003

37,712,187

13,434,269

260,903

486,004

40,378,503

2,865,382

(1,046,261)

94,090,987

2004

1,441,780

3,567,920

140,000

5,149,700

2004

102,766,557

13,052,104

(86,701)

(1,745,801)

42,067,794

(2,422,291)

(24,125,657)

129,506,005

mAlI hisAbutakA guLE nOTqtawq

waharI ripOTq

5757575757

2004


daSu kOTunq bEnqkaSq fahivAgotaSq kurawqvAfawivA HukumAguLigenq hawikOTaSq wisqtiwunAfaSq huSaheLifawiveweve. wisqtiwunAfu kAmiyAbuvewqjenqma, bEnqkaSqvAnegewqlumakI wufewqdunqteri nUnq wekawunqTqtqkunq wanburawi libEnekamaSq lafAkoSqfawivA minqvaru maduvumeve. mi natIjAwinq jumqla 01.1 miliyanq rufiyAwaSqwasarukurAneweve. namavesq migewqlumuge wenqmefahuge wadadu binAvAnI wisqtiwunAfu nimEgotakunqneve. hawikOTuge ninqmevunq rawIsulq jumqhUriwqyAwaSqwilqtimAsq kurevidAneweve.

bEnqkA dekoLaSq wufulifawivA mawqsalatakAbehEgotunq bEnqkaSq libifawivA QAnUnI maCqvarA waSq balAwiru, menEjqmanqTaSq fenqnanI mikamuge sababunqbEnqkuge mAlIHAlataSq nuvata bEnqkuge kurimaguge hinqgumaSq burU warAfAne wewqvesq kamewq netqkamaSeve.

)n( bEnunqnukurevi huri wanburA nugenevEne komiTqmanqTqsq )n( bEnunqnukurevi huri wanburA nugenevEne komiTqmanqTqsq )n( bEnunqnukurevi huri wanburA nugenevEne komiTqmanqTqsq )n( bEnunqnukurevi huri wanburA nugenevEne komiTqmanqTqsq )n( bEnunqnukurevi huri wanburA nugenevEne komiTqmanqTqsq

leTar wofq kqreDiTAwi QabUlukurunqtakAwi dAwimI wOvarDqrAfqTA guLigenq boDujurumanA wewq nuvata Karadewqge gewqlumA nulawi bEnqkaSq wamiwqla wiKqtiyArugawi,bEnunqnukoSq hurinamavesq wanburA nugeenevEne komiTqmanqTq belenqsq CITqge tArIKq gawi gAtqganDakaSq 682,137,772 rufiyA)3002 gawi487,426,131 rufiyA waSq waraweve.

)r( winqvesqTqmanqTq )r( winqvesqTqmanqTq )r( winqvesqTqmanqTq )r( winqvesqTqmanqTq )r( winqvesqTqmanqTq

bEnqkq wofq mOlqDivqsq plk ge DirekqTarunqge bODunq mOlqDivqsq fawinEnqsq lIsinqg komqpenI pqrawiveTq limiTeDq )wemq. wefq. welq. sI.( gehiwqsAge rawusqmAluge jumqlawige 01 winqsawqta nuvata jumqla 000,005 yUwesq Dolar )000,524,6 rufiyA( ge hiwqsA wEge hamawagugawi gane waguwadAkoSqfawiveweve. wadi miwA vidigenq ”puTq wopqCanq“ wewqge daSunq bEnqkq wAwi winqTarnECanalq fawinEnqsq kOparECanq )wawi.wefq. sI( wA demedu wewqbasqvefawivA weewqbasqvumakunq wemq. wefq. welq. sI. winq wawi. wefq. sI. ganefawivA hiwqsA viwqkAlanI nama wehiwqsAbEnqkaSq gatumaSq lAzimqkureweve. mi”puTq wopqCanq“ ge daSunq bEnqkaSq lAzimqkurA lAzimqkurumakI wEge minqvaru kanDawaLanqnEgE lawibiliTIwewqkamaSAwiwadi mifada lawibiliTItakunq bEnqkq rawqkAterikoSqdEnekamaSq sarukArunq yagInqkanq libifawiveweve.

)b( konqTinqjeenqTq weseTqsq )b( konqTinqjeenqTq weseTqsq )b( konqTinqjeenqTq weseTqsq )b( konqTinqjeenqTq weseTqsq )b( konqTinqjeenqTq weseTqsq

belenqsq CITq ge tArIKugawi konqTinqjenqTq weseTqsqge gotugawi wekaSIgenqvA wewqcewq fAhagakoSqfawewq neteve.

23. 23. 23. 23. 23.komiTqmenqTqsq komiTqmenqTqsq komiTqmenqTqsq komiTqmenqTqsq komiTqmenqTqsq)h( rawusqmAluge komiTqmenqTq )h( rawusqmAluge komiTqmenqTq )h( rawusqmAluge komiTqmenqTq )h( rawusqmAluge komiTqmenqTq )h( rawusqmAluge komiTqmenqTq

belenqsq CITq ge tArIKugawi rawusqmAluge komiTqmenqTqge gotugawi dawqkanqjehifawivA wewqcewq neteve. waharI ripOTq


5858585858

2004


weTolqsq kqreDiTq wenqDq DivelopqmanqTq bEnqkinqg pqrojekqTq hinqgumaSq divehi sarukArAwi bEnqkA demedu kurevifawivA wegqrImenqTqge daSunq bEnqkunq6 miliyanq rufiyA wesawinqDq kepiTalq rizAvqge gotugawi bahawqTAfawiveweve.

wAnqmu rizAvq wAnqmu rizAvq wAnqmu rizAvq wAnqmu rizAvq wAnqmu rizAvqwaharu feSunu wiruwaharuge sAfu fawidAbehi fawidAQAnUnI rizAvaSq badalukuriwaharu nimunu wiru

rizAvqge jumqla rizAvqge jumqla rizAvqge jumqla rizAvqge jumqla rizAvqge jumqlawaharu feSunu wiruwaharuge sAfu fawidAbehi fawidAwaharu nimunu wiru

13. 13. 13. 13. 13.konqTinqjenqsIzq konqTinqjenqsIzq konqTinqjenqsIzq konqTinqjenqsIzq konqTinqjenqsIzq

)h( konqTinqjenqTq lawibiliTIzq )h( konqTinqjenqTq lawibiliTIzq )h( konqTinqjenqTq lawibiliTIzq )h( konqTinqjenqTq lawibiliTIzq )h( konqTinqjenqTq lawibiliTIzqwAdawige gotewqgawi bEnqkunq viyafArikurumugawi kasqTamarunqnaSq komiTqve konqTinqjenqTq lawibiliTIzq tawq wufawqdaweve. mifada muWAmalAtuge sababunqboDu gewqlumewqvedAnekamakaSq belifawewq nuveweve. wekomiTqmanqTqtawq wadadutakunq dawqkAgotq tirIgawi wevanIweve.

gabUlukurunqleTar wofq kqreDiTqgaranqTIzq

)S( bEnqkA dekoLaSq wufulE daWuvA )S( bEnqkA dekoLaSq wufulE daWuvA )S( bEnqkA dekoLaSq wufulE daWuvA )S( bEnqkA dekoLaSq wufulE daWuvA )S( bEnqkA dekoLaSq wufulE daWuvA

wAdawige gotewqgawi bEnqkunq viyafArikurumugawi bEnqkaSq tafAtu CarIWatqtakA kurimativeweve. wEgeterEgawi bEnqkunq darani nagAfawivA kasqTamaraku wedaraniwadAkurumugawi wewqbasqvefawivAgotA KilAfuvunq fada CarqWI mawqsalatawq himeneweve. mifada CarIWatqtakugawi bawewqfaharaSq daWuvA libEfarAtunqbEnqkA dekoLaSq hekidawqkawigenq difAWuvumaSq masawqkatqkureweve.

2004

164,355,159

76,682,943

(10,954,800)

24,457,899

254,541,201

224,813,058

76,682,943

(10,954,800)

290,541,201

2004

67,650,528

132,496,952

211,756,511

411,903,991

2003

139,141,292

25,213,867

-

-

164,355,159

199,599,191

25,213,867

-

224,813,058

2003

44,883,626

100,590,340

145,557,847

291,031,813

bEnqkq wofq mOlqDivqsq plk bEnqkq wofq mOlqDivqsq plk bEnqkq wofq mOlqDivqsq plk bEnqkq wofq mOlqDivqsq plk bEnqkq wofq mOlqDivqsq plk waharI ripOTq 3002 waharI ripOTq 3002 waharI ripOTq 3002 waharI ripOTq 3002 waharI ripOTq 3002


waharI ripOTq

5959595959

2004


82. 82. 82. 82. 82.wehenihenq lawibiliTIzq wehenihenq lawibiliTIzq wehenihenq lawibiliTIzq wehenihenq lawibiliTIzq wehenihenq lawibiliTIzq

jamAkurevifawivA Karadumuvawqzafunqge pqroviDenqTq fanqDqwehenihenq gewqlumaSq kanDaweLisanqDqrI kqreDiTarsq

92. 92. 92. 92. 92.wAdawige HiwqBA wAwi HiwqBAge mUnumatI wagaSqvure wituraSq huri wAdawige HiwqBA wAwi HiwqBAge mUnumatI wagaSqvure wituraSq huri wAdawige HiwqBA wAwi HiwqBAge mUnumatI wagaSqvure wituraSq huri wAdawige HiwqBA wAwi HiwqBAge mUnumatI wagaSqvure wituraSq huri wAdawige HiwqBA wAwi HiwqBAge mUnumatI wagaSqvure wituraSq huri

HiwqBAge HiwqBAge HiwqBAge HiwqBAge HiwqBAgewAdawige wAdawige wAdawige wAdawige wAdawigeHiwqBAge mUnumatI HiwqBAge mUnumatI HiwqBAge mUnumatI HiwqBAge mUnumatI HiwqBAge mUnumatI jumqla jumqla jumqla jumqla jumqla wadadu wadadu wadadu wadadu wadaduHiwqBA HiwqBA HiwqBA HiwqBA HiwqBAwagaSqvure wituru wagaSqvure wituru wagaSqvure wituru wagaSqvure wituru wagaSqvure wituru

13 Disemqbar 3002 gawi13 Disemqbar 4002 gawi

huwqdakurevifawivA wAdawige HiwqBAge wadadakI 000,000,1 )3002 gawi 000,000,1 HiwqBA( weve. miHiwqBAge mUnumatIge wagakI 003)3002 gawi 003 rufiyA( rufiyA weve. dUkoSqfawivA hurihA HiwqBA wakI furihamawaSq wagu wadAkoSqfawivA HiwqBAweve.

03. 03. 03. 03. 03.rizAvq rizAvq rizAvq rizAvq rizAvq

QAnUnI rizAvqwesawinqDq kepiTalq rizAvqwAnqmu rizAvqwaharu nimunuwiru jumqla rizAvq

rizAvaSq badaluwawisqfawivAgotq tirIgawi wevanIweve.

QAnUnI rizAvq QAnUnI rizAvq QAnUnI rizAvq QAnUnI rizAvq QAnUnI rizAvqwaharu feSunu wiruwAnqmu rizAvq winq badalukuriwaharu nimunu wiru

wesawinqDq kepiTalq rizAvq wesawinqDq kepiTalq rizAvq wesawinqDq kepiTalq rizAvq wesawinqDq kepiTalq rizAvq wesawinqDq kepiTalq rizAvqwaharu feSunu wiruwaharu nimunu wiru

2004

12,272,535

16,502,485

255,099

16,790,164

45,820,283

11,270,040

11,270,040

2004

30,000,000

6,000,000

254,541,201

290,541,201

2004

54,457,899

(24,457,899)

30,000,000

6,000,000

6,000,000

2003

14,694,826

13,805,736

2,000,900

4,091,637

34,593,099

47,786,040

47,786,040

2003

54,457,899

6,000,000

164,355,159

224,813,058

2003

54,457,899

-

54,457,899

6,000,000

6,000,000

121,720

121,720

36,516,000

36,516,000


waharI ripOTq


6060606060

2004

wisqve bayAnq kurevunu bIdawinq rAwqjEge wenqme dekunuge hataru watoLu tarawqQI kurumaSq hinqgE ”dekunuge watoLutawq tarawqQI kurumuge maCqrUWu“ wA guLigenq 6991Disemqbar gawi bEnqkAwi divehi sarukArA demedu wegqrImenqTewq kurevifawiveweve. miwegqrImenqTqge daSunq lOnu dUkurumaSq winqTarnECanalq fanqDq for wegqrikalqcaralqDivelopqmanqTq )wifADq( wAwi wOganawizECanq wofq peTqrOliwamq wekqsqpOTinqg kanqTqrIzq )wOpekq( ge rifawinEnqsq sqkImewqge daSunq fawisA libifawiveweve.mifawisA sarukAruge farAtunq bEnqkaSq libifawivanI furatama hawaharu waharaku 5 winqsawqtawige winqTaresqTq gaweve. wEgefahunq winqTaresqTq hamajawqsAne varewqkanDawaLAnI DipoziTq rETqtakaSAwi DivelopqmanqTq bEEnqkuge HarakAtqtakaSAwi libifawi wotq muwqdatuge Karadutakuge mawqcaSq belumaSq fahugaweve. lOnu ge muLi jumqladawqkanq jehenI 03 winqsqTOlqmanqTaSq bahawigenq waharaku de winqsqTOlqmanqTq dawqkAgotaSq mAcq 2002 winq feSigenqneve. wadi dawqkawi ninqmanq jehenIsepqTemqbar 6102 gaweve.

jarmanq winqvesqTqmanqTq wenqDq DivelopqmanqTq kamqpenI )DIwIjI( wakI feDaralq ripabqlikq wofq jarmanIge mAlI widArAwekeve. mimAlI widArAwinq 8 miliyanq DowiCqmArkqge lOnewq bEnqkaSq negI 8991 gaweve. milOnqge winqTaresqTq dawqkanqjehEgotakI nagAfawi bAkI wonqna wadadewqge mawqcaSq DowiCq mArkq lawibO waSqvure 53.3winqsawqta wituraSeve. wadi winqTaresqTq dawqkanqjehenI waharaku defaharu weve. lOnuge muLi jumqla wAwi winqTaresqTq dawqkanqjehenI 21 winqsqTOlqmanqTaSqbahawigenq waharaku de winqsqTOlqmanqTq dawqkAgotaSq yUrO winqneve. novemqbar 9991 nq feSigenq mewi 5002 ge niyalaSq lOnu dawqkawi ninqmanqjeheweve. milOnunagAfawivanI divehisarukArunq gerenqTI dewqvawigenqneve.

wanburA dawqkanq nagAfawivA fawisA taBawqrafu fudunq wanburA dawqkanq nagAfawivA fawisA taBawqrafu fudunq wanburA dawqkanq nagAfawivA fawisA taBawqrafu fudunq wanburA dawqkanq nagAfawivA fawisA taBawqrafu fudunq wanburA dawqkanq nagAfawivA fawisA taBawqrafu fudunq

1 waharaSqvure fasqnukoSq1 waharaSqvure fasq 5 waharaSqvure faasqnukoSq5 waharaSqvure fasqkoSq

72. 72. 72. 72. 72.dewqkunq fasqkurevunu fawidA Tekqsq dewqkunq fasqkurevunu fawidA Tekqsq dewqkunq fasqkurevunu fawidA Tekqsq dewqkunq fasqkurevunu fawidA Tekqsq dewqkunq fasqkurevunu fawidA Tekqsq

dewqkunq fasqkurevunu fawidA Tekqsq hisAbukuranI vagutI wadadutakunq Tekqsq rETewqge gotugawi hamajehifawivA 52 winqsawqta nagAgotaSeve.

dewqkunq fasqkurevunu fawidA Tekqsq tirIgawi bayAnqkoSqfawi wevanI:

dewqkunq fasqkoSqfawivA fawidA Tekqsq lawibiliTI dewqkunq fasqkoSqfawivA fawidA Tekqsq lawibiliTI dewqkunq fasqkoSqfawivA fawidA Tekqsq lawibiliTI dewqkunq fasqkoSqfawivA fawidA Tekqsq lawibiliTI dewqkunq fasqkoSqfawivA fawidA Tekqsq lawibiliTIwaharu feSunuwiruhaluwikoSqfawi balaSqkenDumugawi wotq Tekqsqwaharu nimunuwiru

dewqkunq fasqkurevunu fawidA Tekqsq wAmqdanI bayAnugawi tirIgaawivA vagutI tafAtu dawqkaweve.

haluwikoSqfawi balaSqkenDumugawi wotq Tekqsq

2004

14,914,359

42,328,475

31,845,109

89,087,943

2004

2,635,914

1,069,121

3,705,035

2004

1,069,121

2003

14,021,816

19,155,332

34,998,463

68,175,611

2003

-

2,635,914

2,635,914

2003

2,635,914



waharI ripOTq

6161616161

2004

42. 42. 42. 42. 42. wehenihenq weseTq wehenihenq weseTq wehenihenq weseTq wehenihenq weseTq wehenihenq weseTq

DipoziTAwi kurinq dawqkAfawi huriwehenihenq daraniverinq

52. 52. 52. 52. 52. wehenq bEnqkutakunq jamAkoSqfawihuri

karanqTq wekawunqTq DipoziTqsEvinqg DipoziTqTArmq DipoziTqleTar wofq kqreDiTqge mArjinqbEnqku garanqTIge mArjinq

kasqTamarunqge DipoziTqge terEgawi bEnqku garanqTI wAwi mudAweterekurumuge leTar wofq kqreDiTqge sekiwuriTI waSq bahawqTAfawi huri 764,054,92rufiyA )3002 gawi 461,079,12 rufiyA( himenifawiveweve.

62. 62. 62. 62. 62.wanburA dawqkanqnagAfawivA fawisA wanburA dawqkanqnagAfawivA fawisA wanburA dawqkanqnagAfawivA fawisA wanburA dawqkanqnagAfawivA fawisA wanburA dawqkanqnagAfawivA fawisA

winqTarnECanalq fanqDq for wegqrikalqcaralq DivelopqmanqTq )wifADq(wOganawizECanq wofq peTqrOliwamq wekqsqpOTinqg kanqTqrIzq )wOpekq(jArmanq winqvesqTqmanqTq wenqDq DivelopqmanqTq kamqpenI )DIwIjI(

weTolqsq kqreDiTq wenqDq DivelopqmanqTq bEnqkinqg pqrojekqTq hinqgumaSq divehi sarukArAwi bEnqkA demedu wegqrImenqTewq kurevifawiveweve. miwegqrImenqTqgedaSunq bEnqkqge DivelopqmanqTq bEnqkinqg selqwaSq lOnq dUkurumaSq winqTarnECanalq fanqDq for wegqrikalqcaralq DivelopqmanqTq )wifADq( gerifawinEnqsq sqkImewqge daSunq fawisA libifawiveweve. mifawisA sarukAruge farAtunq bEnqkaSq libifawivanI pqrojekqTqge muwqdatukamaSq kanDaweLifawivAhawaharuge terEgawi waharaku 1 winqsawqta winqTaresqTq gaweve. wadi wEge fahunq fawisA dawqkanqjehE muwqdatugawi waharaku 3 winqsawqtawinqTaresqTq gaweve. lOnuge muLi jumqla wAwi winqTaresqTq dawqkanqjehenI 04 winqsqTOlqmanqTaSq bahawigenq waharaku de winqsqTOlqmanqTqdawqkAgotaSq mewi 0002 nq feSigenqneve. migotaSq dawqkawi ninqmanqjehenI novemqbar 9102 gaweve.

2004

25,659,269

1,104,205

26,763,474

2004

936,695,589

1,222,170,179

587,873,852

11,695,876

17,754,591

2,776,190,087

2004

41,269,793

8,097,798

39,720,352

89,087,943

2003

1,533,612

1,599,117

3,132,729

2003

664,683,498

862,688,972

383,926,787

14,499,687

7,470,477

1,933,269,421

2003

43,642,767

8,705,326

15,827,518

68,175,611


waharI ripOTq


6262626262

2004

winqvesqTqmanqTqge terEgawi himenenI wagu wadAkoSqfawivA mOlqDivqsq fawinEnqsq lIsinqg komqpenI )wemq. wefq. welq. sI( ge hiwqsAwAwi vaki muwqdatakaSqmOlqDivqsq hawusinqgq DivelepqmanqTq fawinEnqsq kOrparECanq limiTeDq ge bonqDaSq winqvesqTq kurevifawivA winqvesqTqmenqTeve. mi bonqDakI hiwqsAgebAzArugawi lisqTq kurevigenq viyafArIge muWAmalAtunukurA wewqcakaSq vumunqu haQIQI wagu belenq netumAweku winqvesqTqmanqTqge wagukamaSq belifawivanI mibonqDaSqbEnqkunq wadAkoSqfawivA wageve.

32. 32. 32. 32. 32.pqroparTI, pqlAnqTq wAwi wikqwipqmenqTq pqroparTI, pqlAnqTq wAwi wikqwipqmenqTq pqroparTI, pqlAnqTq wAwi wikqwipqmenqTq pqroparTI, pqlAnqTq wAwi wikqwipqmenqTq pqroparTI, pqlAnqTq wAwi wikqwipqmenqTq

bEnqkuge bEnqkuge bEnqkuge bEnqkuge bEnqkuge kulI kulI kulI kulI kulI komqpiyuTar farunIcarAwi winqjInulI jumqla jumqla komqpiyuTar farunIcarAwi winqjInulI jumqla jumqla komqpiyuTar farunIcarAwi winqjInulI jumqla jumqla komqpiyuTar farunIcarAwi winqjInulI jumqla jumqla komqpiyuTar farunIcarAwi winqjInulI jumqla jumqlatanqtanq tanqtanq tanqtanq tanqtanq tanqtanq WimArAtq WimArAtq WimArAtq WimArAtq WimArAtqwikqwipqmenqTq wikqwipqmenqTqq wikqwipqmenqTq wikqwipqmenqTqq wikqwipqmenqTq wikqwipqmenqTqq wikqwipqmenqTq wikqwipqmenqTqq wikqwipqmenqTq wikqwipqmenqTqqwuLandu wuLandu wuLandu wuLandu wuLandu 4002 3002 4002 3002 4002 3002 4002 3002 4002 3002

pqroparTI, pqroparTI, pqroparTI, pqroparTI, pqroparTI,pqlAnqTq wAwi pqlAnqTq wAwi pqlAnqTq wAwi pqlAnqTq wAwi pqlAnqTq wAwiwikqwipqmenqTqge wagu wikqwipqmenqTqge wagu wikqwipqmenqTqge wagu wikqwipqmenqTqge wagu wikqwipqmenqTqge wagu

waharu feeSunu wiruwaharuterE wituruviwaharuterE nawqtAliwaharu nimunuwirubAkI

jamAkoSq jamAkoSq jamAkoSq jamAkoSq jamAkoSqbalaSq ken balaSq ken balaSq ken balaSq ken balaSq kenDunu Dunu Dunu Dunu Dunu

waharu feSunu wiruwaharu terE badalukurinawqtAli taketIgebalaSq kenDiwaharu nimunu wirubAkI

waharu nimunuwiru fotunqdawqkA sAfu wagu

8,036,760

1,029,742

(516,046)

8,550,456

5,235,393

1,287,663

(511,094)

6,011,962

2,538,494

5,580,781

1,136,121

(430,690)

6,286,212

5,478,909

221,778

(429,467)

5,271,220

1,014,992

125,798,576

17,109,777

(1,171,101)

141,737,252

53,847,401

13,052,104

(1,145,677)

65,753,828

75,983,424

64,189,677

-

-

64,189,677

16,041,624

3,209,496

-

19,251,120

44,938,557

2,440,901

89,246

-

2,530,147

934,243

447,698

-

1,381,941

1,148,206

45,550,457

14,854,668

(224,365)

60,180,760

26,157,232

7,885,469

(205,116)

33,837,585

26,343,175

112,739,051

15,512,146

(2,452,621)

125,798,576

42,520,684

13,434,269

(2,107,552)

53,847,401

71,951,175

)h( bEnqkuge bawewq gofitawq hinqganI tinqvana farAtakunq kuwqyaSq hifAfawivA tanqtanugaweve. wehenqkamunq kuwqyaSq jumqla 103,799,1 rufiyA )3002 gawi 134,096,1 rufiyA( hEdavefawiveweve.

)S( belenqsq CITqge tArIKugawi muLinq balaSq kanDawilevifawivA weseTqge jumqla wagakI 264,603,22 rufiyA )3002 gawi 695,436,31 rufiyA( weve.



waharI ripOTq

6363636363

2004

lOnuge gewqlumaSq behewqTi pqroviRanaSqvIgotq tirIgawi wevanI: lOnuge gewqlumaSq behewqTi pqroviRanaSqvIgotq tirIgawi wevanI: lOnuge gewqlumaSq behewqTi pqroviRanaSqvIgotq tirIgawi wevanI: lOnuge gewqlumaSq behewqTi pqroviRanaSqvIgotq tirIgawi wevanI: lOnuge gewqlumaSq behewqTi pqroviRanaSqvIgotq tirIgawi wevanI:

)h( KAwqBa pqroviRanq )h( KAwqBa pqroviRanq )h( KAwqBa pqroviRanq )h( KAwqBa pqroviRanq )h( KAwqBa pqroviRanq1 jenuwarIgawi huri bAkIIwaharuge terEgawi libunuwaharuterE hedi pqroviRanq

13 Disemqbar gawi huri bAkI

)S( wAnqmu pqroviRanq )S( wAnqmu pqroviRanq )S( wAnqmu pqroviRanq )S( wAnqmu pqroviRanq )S( wAnqmu pqroviRanq1 jenuwarIgawi huri bAkIIwaharuge terEgawi libunuwaharuterE hedi pqroviRanq13 Disemqbar gawi huri bAkI

jumula jumula jumula jumula jumula

02. 02. 02. 02. 02.sasqpenqsq gawi behewqTi winqTqresqTaSq vIgotq sasqpenqsq gawi behewqTi winqTqresqTaSq vIgotq sasqpenqsq gawi behewqTi winqTqresqTaSq vIgotq sasqpenqsq gawi behewqTi winqTqresqTaSq vIgotq sasqpenqsq gawi behewqTi winqTqresqTaSq vIgotq1 jenuwarIgawi huri bAkIwaharu terEgawi sasqpenqsq gawi behewqTisasqpenqsq gawi behewqTi winqTqresqTunq libunu

13 Disemqbar gawi huri bAkI

12. 12. 12. 12. 12.weseTqge fenqvaru weseTqge fenqvaru weseTqge fenqvaru weseTqge fenqvaru weseTqge fenqvaru

wufewqdunqteri nUnq weseTqge terEgawi himenifawivA winqTqresqTq wewqkurevemunqnudA lOnAwi bilugeterEgawi himenE bawitakakI:

lOnAwi weDqvAnqsqbilq wofq wekqsqcEnqjq

waharu feSunuwiruwaharu terEgawi wituruviwaharu nimunuwiru

2004

52,261,175

(10,767,000)

35,772,047

77,266,222

4,142,000

-

6,295,747

10,437,747

87,703,969

2004

68,111,732

25,239,568

(30,491,231)

62,860,069

2004

234,695,046

15,010,334

249,705,380

2003

21,422,026

(7,948,772)

38,787,921

52,261,175

2,100,000

-

2,042,000

4,142,000

56,403,175

2003

51,432,345

32,263,100

(15,583,713)

68,111,732

2003

193,599,159

2,288,122

195,887,281

22. 22. 22. 22. 22.winqvesqTqmanqTq winqvesqTqmanqTq winqvesqTqmanqTq winqvesqTqmanqTq winqvesqTqmanqTq viwqkanqhuri muwqdatakaSq jumqla jumqla viwqkanqhuri muwqdatakaSq jumqla jumqla viwqkanqhuri muwqdatakaSq jumqla jumqla viwqkanqhuri muwqdatakaSq jumqla jumqla viwqkanqhuri muwqdatakaSq jumqla jumqla behewqTifawi behewqTifawi behewqTifawi behewqTifawi behewqTifawi


waharI ripOTq


6,425,000

-

6,425,000

-

5,000,000

5,000,000

2004

6,425,000

5,000,000

11,425,000

2003

6,425,000

-

6,425,000

6464646464

2004

)h( wesawinqDq kepiTalq DipoziTq: )h( wesawinqDq kepiTalq DipoziTq: )h( wesawinqDq kepiTalq DipoziTq: )h( wesawinqDq kepiTalq DipoziTq: )h( wesawinqDq kepiTalq DipoziTq:mOlqDivqsq maniTarI wotOriTIge QavAWidA wewqgotqvAgotuge matinq, bEnqkugawi wenqme madunq rawusqmAlu hunqnanqjehE wadaduge 05 winqsawqtawigerizAvewq wesawinqDq kepiTalq DipoziTqge gotugawi bahawqTanqjeheweve.

)S( rizAvq DipoziTq )S( rizAvq DipoziTq )S( rizAvq DipoziTq )S( rizAvq DipoziTq )S( rizAvq DipoziTqviyafAri bEnqkutakuge lawibiliTIzqge 03 winqsawqta rizAvqge gotugawi bahawqTanq wemq.wemq.wE. ge gavAwidu lAzimqkureweve. migotaSq behewqTumugawi nodanqsenqTqralq weTolq rIjanq yuniTq )wenqsiwEwAruyU( gawi himenE gofitawq nUnqgofitawq vesq himeneweve. wisqtisqnAkurevE gofitakunq bahawqTanqjehenI51 winq sawqtaweve.

71. 71. 71. 71. 71.fawisA wAwi fawisAwA wewqfada taketi fawisA wAwi fawisAwA wewqfada taketi fawisA wAwi fawisAwA wewqfada taketi fawisA wAwi fawisAwA wewqfada taketi fawisA wAwi fawisAwA wewqfada taketi

fawisA libunugotuge bayAnaSqTakawi, fawisA wAwi fawisAwA wewqfadataketIge gotugawi balAfawivanI tirIgawi bayAnqkoSqfawivA webawewqge bAkI 09duvahaSqvure kuru muwqdatewqgawi taBawqrafu fudE bAkI takeve.

fawisA wAwi kurumuwqdatuge fanqDq )nOTq 51(seTqfikeTq wofq DipoziTq )nOTq 61(

81. 81. 81. 81. 81.bilq wofq wekqsqcEnqjq bilq wofq wekqsqcEnqjq bilq wofq wekqsqcEnqjq bilq wofq wekqsqcEnqjq bilq wofq wekqsqcEnqjq

wekqsqpOTq bilqwimqpOTq bilqkanDanq: gewqlumaSq behewqTi pqroviRanq }nOTq 91)h({bilq wofqwekqsqcEnqjqge sAfu jumqla

91. 91. 91. 91. 91.lOnq wAwi weDqvAnqsq lOnq wAwi weDqvAnqsq lOnq wAwi weDqvAnqsq lOnq wAwi weDqvAnqsq lOnq wAwi weDqvAnqsq

wOvarDqrAfqTqlOnqvaQufu rasIdukqreDiTq kADu belenqsqmuvawqzafunqge lOnq

kanDanq:lOnuge gewqlumaSq behewqTi }nOTq 91)h({sasqpenqsq gawi huri winqTaresqTq )nOTq 02(

lOnAwi weDqvAnqsqge sAfu jumqla

2004

472,835,206

49,917,501

522,752,707

2004

2,872,395

31,099,225

(1,207,685)

32,763,935

2004

485,153,315

1,430,966,451

35,386,513

10,878,524

8,137,715

1,970,522,518

(86,496,284)

(62,860,069)

1,821,166,165

2003

346,838,680

198,292,561

545,131,241

2003

7,385,952

3,024,522

(451,418)

9,959,056

2003

204,170,848

973,808,787

1,791,027

-

9,244,318

1,189,014,980

(55,951,757)

(68,111,732)

1,064,951,491



waharI ripOTq

6565656565

2004

Tekqsq negE rETqkamaSqvA %52 waSq balawi hisAbukurumunqTekqhA guLigenq wuninukurA KaradukurI waharu nudawqkawi fasqkurevunu Tekqsqnudawqkawi fasqkurevunu Tekqsq waharugeterE fAhaganukoSq

nudawqkawi fasqkurevunu TekqsAbehE wituru maWulUmAtu nOTq 82 gawi bayAnqkoSqfawivAneweve.

31. 31. 31. 31. 31.fawidA behunq fawidA behunq fawidA behunq fawidA behunq fawidA behunq

bahanq huSahaLA fawidA hisAbuge terewaSq vawqdanI waharI wAnqmu jalqsA winq taBqdIQukurumunqneve. 30 mewi 5002 gawi bEwqvi DirekqTarunqgebODuge jalqsA winq, 4002 vana waharu HiwqBA wakaSq -/59 rufiyA )3002 gawi HiwqBA wakaSq -/09 rufiyA( magunq jumqla004,365,11 rufiyA )3002 gawi jumqla 008,459,01 rufiyA( HiwqBAdArunqnaSq behumaSq huSahaLuwqvAfawiveweve. mimAlI bayAnqtakugawimibahawilevE wadadu himanAfawewq nuvAneweve. miwadadu himanAnI HiwqBAdArunqge wikuwiTIge terEgawi himenE bawitakaSq kanDaweLunu wadaduge terEgawibehewqTifawivA fawisAwewqgegotugawi 13 Disemqbar 5002 gawi nimE waharuge hisAbugaweve.

41. 41. 41. 41. 41.HiwqBA wakaSq jehE fawidA HiwqBA wakaSq jehE fawidA HiwqBA wakaSq jehE fawidA HiwqBA wakaSq jehE fawidA HiwqBA wakaSq jehE fawidAwasAsIgotewqgawi HiwqBA wakaSq jehE fawidA hisAbukurI HiwqBAdArunqnaSqjehE sAfufawidA waharuterEgawi dUkoSqfawi huri vewiTeDq weverejq wAdawigeHiwqBAge Wadaduge mawqcaSq bahawigenqneve.

HiwqBAdArunqnaSq jehE sAfu fawidAdUkoSqfawihuri vewiTeDq weverejq wAdawige HiwqBAge WadaduwasAsIgotewqgawi HiwqBA wakaSq jehE fawidA

51. 51. 51. 51. 51.fawisA wAwi kurumuwqdatuge fanqDq fawisA wAwi kurumuwqdatuge fanqDq fawisA wAwi kurumuwqdatuge fanqDq fawisA wAwi kurumuwqdatuge fanqDq fawisA wAwi kurumuwqdatuge fanqDqnagudu fawisA winq huriwehenq bEnqkqtakugawi huri bAkIkuru muwqdatuge nOTihAweku negenq huri

61. 61. 61. 61. 61.wemq. wemq. wE. gawi huri bAkI wemq. wemq. wE. gawi huri bAkI wemq. wemq. wE. gawi huri bAkI wemq. wemq. wE. gawi huri bAkI wemq. wemq. wE. gawi huri bAkI

wesawinqDq kepiTalq DipoziTqrizAvq DipoziTqseTqfikeTq wofq DipoziTq

2004

25,691,639

391,975

-

-

26,083,614

2004

76,682,943

121,720

629.99

2004

72,021,641

36,561,340

364,252,225

472,835,206

2004

15,000,000

775,234,449

49,917,501

840,151,950

2003

9,428,046

434,360

2,635,914

-

12,498,320

2003

25,213,867

121,720

207.15

2003

62,128,427

79,910,253

204,800,000

346,838,680

2003

18,258,000

603,498,344

198,292,561

820,048,905


waharI ripOTq


6666666666

2004

01. 01. 01. 01. 01.nulibEne wadi yaQInqkanq kuDa lOnaSq hedi pqroviRanq nulibEne wadi yaQInqkanq kuDa lOnaSq hedi pqroviRanq nulibEne wadi yaQInqkanq kuDa lOnaSq hedi pqroviRanq nulibEne wadi yaQInqkanq kuDa lOnaSq hedi pqroviRanq nulibEne wadi yaQInqkanq kuDa lOnaSq hedi pqroviRanq

lOnuge gewqlumaSq KAwqBakoSq hedi pqroviRanqlOnuge gewqlumaSq hedi pqroviRanq

11. 11. 11. 11. 11.hinqgumuge wehenihenq Karadutawq hinqgumuge wehenihenq Karadutawq hinqgumuge wehenihenq Karadutawq hinqgumuge wehenihenq Karadutawq hinqgumuge wehenihenq Karadutawq

DirekqTarunqge fIQAnUnI wujUraharumudA viwqkawigenq vI gewqlunq/)fawidA(woDiTarunqge wujUraweki farAtqfarAtaSq dE wehImuvABalAtI KaradukonqsalqTanqTunqge fIsofqTqvewarge lawisanqsq fIliyekiyumaSq bEnunqkurA takewqcaSq hingi KaraduwiCqtihArukurumaSqfawisA wufulumuge KaraduwiCqtirAkaSqkqreDiTqkADu Karaduwehenihenq

21. 21. 21. 21. 21.fawidA Tekqsqge Karadu fawidA Tekqsqge Karadu fawidA Tekqsqge Karadu fawidA Tekqsqge Karadu fawidA Tekqsqge KaradumihAruge Tekqsqdewqkunq fasqkurevunu Tekqsq )nOTq 72(

bEnqkuge fawidA Tekqsq, fawidA Tekqsq negumuge kurIge WadadukamaSq tirIgawi bayAnqkoSqfawivA Wadadu Tekqsq negE wasAsI rETq bEnunqkoSqgenqhisAbukurumunq nukunqnAne natIjA tafAtuveweve.

Tekqsq negumuge kurinq wotq fawidA

2004

35,772,047

6,295,747

42,067,794

2004

124,500

558,861

-

143,360

215,940

7,160,167

1,312,591

4,989,170

3,397,555

1,371,896

74,542

97,673

5,917,307

4,545,605

29,909,167

2004

25,014,493

1,069,121

26,083,614

2004

102,766,557

2003

38,336,503

2,042,000

40,378,503

2003

130,600

567,455

260,903

89,600

39,670

4,036,374

239,974

3,041,855

2,488,132

344,491

93,080

12,368

1,453,419

3,308,886

16,106,807

2003

9,862,406

2,635,914

12,498,320

2003

37,712,187



waharI ripOTq

6767676767

2004

6. 6. 6. 6. 6.fI wAwi komiCanaSq libunu wAmqdanI fI wAwi komiCanaSq libunu wAmqdanI fI wAwi komiCanaSq libunu wAmqdanI fI wAwi komiCanaSq libunu wAmqdanI fI wAwi komiCanaSq libunu wAmqdanI

pE wODarge komiCanqgaranqTIge komiCanqDokimenqTarI kqreDiTqge kamiCanqbilq DisqkawunqTq koSqdinumuge kamiCanqkureDiTq kADu woparECanqwehenihenq

7. 7. 7. 7. 7.hinqgumunq libunu wehenq wAmqdanI hinqgumunq libunu wehenq wAmqdanI hinqgumunq libunu wehenq wAmqdanI hinqgumunq libunu wehenq wAmqdanI hinqgumunq libunu wehenq wAmqdanI

kulIge gotugawi libunuTelekuhAwi fekqsq fonuvumuge Karadunq libunuwufewqdunqteri nUnq lOnunq libunukurinq fuhelAfawivA lOnunq libunuDisqpOsalq wofq poropaTi pqlAnqTq wenqDq wikuwikqmanqTq waSq libunu fawidAwehenihenq

8. 8. 8. 8. 8.muvawqzafunqnaSq hingA Karadu muvawqzafunqnaSq hingA Karadu muvawqzafunqnaSq hingA Karadu muvawqzafunqnaSq hingA Karadu muvawqzafunqnaSq hingA Karadu

musArahitqvarudinumaSq devunu bOnasqwehenihenq welavanqsqtawq

wevqrejqgotewqgawi waharuterEgawi bEnqkugawi vazIfA wadAkuri muvawqzafunqge WadadakI 823 )3002: 072( weve.

9. 9. 9. 9. 9.WimArAtAwi wikqwipqmanqTAwi belehewqTumuge Karadu WimArAtAwi wikqwipqmanqTAwi belehewqTumuge Karadu WimArAtAwi wikqwipqmanqTAwi belehewqTumuge Karadu WimArAtAwi wikqwipqmanqTAwi belehewqTumuge Karadu WimArAtAwi wikqwipqmanqTAwi belehewqTumuge Karadu

balaSq kenDi )nOTq 32(kuwqyaSq hifumuge kanqtawq - WimArAtq )pqroparTI(

kulidiwqlumAwi karanqTqwinqCUranqsqmarAmAtAwiii belehewqTunqwehenihenq

2004

17,373,346

8,514,733

3,333,808

5,186,936

16,179,237

9,397,603

59,985,663

2004

-

3,660,302

10,767,000

89,750

86,701

1,338,263

15,942,016

2004

16,297,823

4,837,668

13,727,781

34,863,272

2004

13,052,104

1,997,301

231,909

2,850,542

404,494

2,969,178

120,446

21,625,974

2003

13,785,780

4,544,830

1,387,438

2,434,979

3,467,090

4,277,216

29,897,333

2003

1,020,000

2,475,566

7,957,623

33,480

-

969,571

12,456,240

2003

11,365,406

3,094,150

7,625,266

22,084,822

2003

13,434,269

1,690,431

351,110

2,360,555

398,468

2,804,593

117,787

21,157,213


waharI ripOTq


6868686868

2004

mAlI bayAnqtakA guLE nOTatawq

)minOTqtakugawi wehenq gotakaSq bayAnq koSqfawi nuvAnama fawisAge wadadutawq bayAnqkoSqfawivanI divehi rufiyA winqneve.(

3. 3. 3. 3. 3.mawigan mawigan mawigan mawigan mawiganDu HarakAtqtawq Du HarakAtqtawq Du HarakAtqtawq Du HarakAtqtawq Du HarakAtqtawqbEnqkuge mawiganDu HarakAtqtakuge terEgawi himenenI viyafAri bEnqkutakunq kurA viyafArikurumAwi, wehenihenq fawisAge Kidumatqtawq kamugawivA viyafArikuranqfawisA dinumAwi, fawisA rawqkAkoSqdinumAwi, tarawqQIge kanqkamaSq fawisA dinumeve. waharuge terEgawi miwinqkamakaSq mAboDu badalewq wawikamakaSqfAhagawewq nukureveweve.

4. 4. 4. 4. 4.jumqla wAmqdanI jumqla wAmqdanI jumqla wAmqdanI jumqla wAmqdanI jumqla wAmqdanI

winqTaresqTq wAmqdanIfIwAwi komiCanaSq libunuviyafArIge wAmqdanI waSq libunu sAfu jumqlahinqgumunq libunu wehenq wAmqdanI

5. 5. 5. 5. 5.winqTaresqTq wAmqdanIge sAfu jumqla winqTaresqTq wAmqdanIge sAfu jumqla winqTaresqTq wAmqdanIge sAfu jumqla winqTaresqTq wAmqdanIge sAfu jumqla winqTaresqTq wAmqdanIge sAfu jumqla

winqTaresqTq wAmqdanI winqTaresqTq wAmqdanI winqTaresqTq wAmqdanI winqTaresqTq wAmqdanI winqTaresqTq wAmqdanI

lOnuge gotugawi nagAfawivA fawisA waSqwemq. wemq. wE. ge seTqfikeTq wofq DipoziTaSqkurumuwqdatuge fawisA waSqwesawinqDq kepiTalq wAwi rizAvaSq

winqTaresqTq Karadu winqTaresqTq Karadu winqTaresqTq Karadu winqTaresqTq Karadu winqTaresqTq KaradukasqTamarunqge DipoziTaSqgenevifawivA fawisA waSqwehenihenq

winqTaresqTq wAmqdanIge sAfu jumqla

2004

198,543,251

59,985,663

12,117,771

15,942,016

286,588,701

2004

178,335,062

6,564,820

7,562,084

6,081,285

198,543,251

50,833,355

4,517,284

5,298

55,355,937

143,187,314

2003

153,488,430

29,897,333

4,999,525

12,456,240

200,841,528

2003

128,879,820

14,503,337

3,059,409

7,045,864

153,488,430

59,886,778

3,510,871

4,347

63,401,996

90,086,434



waharI ripOTq

6969696969

2004

belenqsq CITqge tArIKuge fahunq winqTaresqTq libE weseTAwi lawibiliTIzq wewewqcakA medu wewqbasqvefawivA muwqdataSq hurigotaSq balAlunq:DimAnqDAwi sEvinqg DipoziTq belifawivanI 3 mahA hamawinq taBawqrafu fudE gqrUpq gaweve. wekamaku miwinq boDubawewq fAhagakurevenI farudI DipoziTqge bawewqge gotugaweve.mifawisA taBawqrafu fudE muwqdatuvesq digeve. bilqsq wAwi lOnu bayAnqkoSqfawivanI nulevEgotaSq hunqna winqTaresqTAwi yagInqkanq netq lOnu nuhimenE sAfu jumqlawewqgegotugaweve.

bEnqku hinqgumuge wasAsakI taBawqrafu fudE fawisA mecqkurumAwi weseTAwi lawibiliTIzqge winqTaresqTaSq wanqna badalu konqTqrOlewqge terEgawi genqguLumeve. bEnqkutawqmidenqnevi gotaSq mecqkoSq hinqgumakI varaSq nAdirukamekeve. wewI muWAmalAtutawq tafAtuvefawi muWAmalAtu kurevEgotuge yagInqkanq netumunqneve. mecq nukoSq hinqgA hinqgumewqgefawidA boDuveweve. wekamaku gewqlunqvumuge risqkq vesq mativeweve.

weseTAwi lawibiliTIzq taBawqrafu fudumAwi gabUlukurevE wagewqgawi we badalukurumAwi winqTaresqTq libE lawibiliTIzq taBawqrafu fudE gotakI bEnqkugawi fawisA huri varuvazanqkurevEne gotekeve. wadi wewI winqTaresqTq rETaSAwi wekqsqcEnqjq rETaSq huLuvifawivA minqvaruvesq wengEne gotekeve.

garanqTI wAwi sqTEnqDqbawikoSq hunqna leTar wofq kqreDiTA guLigenq bEnunqvA fawisA hurumaSq lAzimq kurA wadadu madeve. wewI wegqrImenqTqge daSunq tinqvana farAtakunqfawisA nagAnekamaSq bEnqkunq nubalAtIweve. fawisA dEnq wewqbasqvefawi hunqna wadadakI kurimagugawi fawisA bEnunqvAne minqvarukamakaSq nubeleveweve. wewI mifada kitanqmewewq basqvumewq fawisA negumA hamawaSq nugosq wuvAlevEtIweve. nUnI muwqdatu hamavAtIweve.


waharI ripOTq

mAl IhatiyArutawq bEnunq kurunq

7070707070

2004

daranIge risqkaSq huSaheLE huSaheLunq kuDakurumaSq darani nagAfawivA farAtqtakAwi darani nagAne farAtqtakunq darani wadAkurumuge QAbiliwqyatu hurinetq gotq belumAwiwinqTaresqTAwi daranqNaSq wadAkurevEne minqvarakaSq beleveweve. mikanqkamaSq belumaSq fahu darani dUkurevE wadadu madukureveweve. daranIge risqku kuDakurumaSq rahunubehewqTumaSq lAzimukurumAwi kunqfunqNAwi farudI fenqvaruge garanqTI dinumaSq lAzimukurunq himeneweve.

r. winqTaresqTq rETqge risqkq r. winqTaresqTq rETqge risqkq r. winqTaresqTq rETqge risqkq r. winqTaresqTq rETqge risqkq r. winqTaresqTq rETqge risqkqmAkeTq gawi winqTaresqTq rETaSq wanqna badaluge sababunq fawisA vanqna minqvaraSq wasarukurumuge risqku himeneweve. mifada badalutakunq winqTaresqTqge mAjinqwituruvA fadawinq winqTaresqTq daSqvumunq gewqlunq vunq vesq himeneweve.

menEjqmanqTqge farAtunq winqTaresqTq rETaSq wanqna badalutawq dirAsAkoSq genqnanqjehE badalutawq geneweve.

b. fawisA netumuge risqkq b. fawisA netumuge risqkq b. fawisA netumuge risqkq b. fawisA netumuge risqkq b. fawisA netumuge risqkqbEnqkugawi hunqna fawisAge terewinq rEganDu rawqkAkuranq bahawqTA fawisA wAwi karanqTq wekawunqTAwi taBawqrafufudE DipoziTqtakugawi hunqna fawisA wAwi lOnaSq dUkurevEfawisAge gina Wadadewq konqme duvahaku vesq naganq wAdeweve. wehenqme garanqTI wAwi mArjinq wAwi wehenq gotqgotunq vesq fawisA waSq bEnunq veweve. mibEnunqtakaSqfudEvaraSq bEnqkugawi fawisA nubahawqTaweve. wewI tajuribA winq wegEgotugawi, taBawqrafq fudE fanqDqsq ge terewinq kuDa minqvarewq walunq winqvesqTqkurumaSqyaQInqkamAweku lafAkoSqlevEtIweve.

menEjqmanqTunq wabaduvesq taBawqrafq fudE fanqDqge terewinq fawisA naganq bEnunqvA farAtqtakunq nagA wadaduge mawqcaSq balaweve. wadi konqmehenq bEnunqvA farAtqtakaSqfawisA dUkurumaSq kuDaminqvarakaSq bEnqkutakuge medugawi fawisA dUkurumuge fasEhakanq gAwimqkoSqfawi hureweve. miwI lafAnukurevE wadadaSq fawisA naganq dimAvewqjenamawekanq hamajewqsumaSeve.

taBawqrafq fudEgotq vazanqkurunq taBawqrafq fudEgotq vazanqkurunq taBawqrafq fudEgotq vazanqkurunq taBawqrafq fudEgotq vazanqkurunq taBawqrafq fudEgotq vazanqkurunq


weseTqtawq weseTqtawq weseTqtawq weseTqtawq weseTqtawqkurumuwqdatugawi nagAne fawisAseTqfikeTq wofq DipoziTqsqwemqwemqwE gawi huri bAkIbilqsq wofq wekqsqcEnqjqlOnAwi weDqvAnqsqwehenihenq weseTqweseTqge jumqla

lawibiliTIzq lawibiliTIzq lawibiliTIzq lawibiliTIzq lawibiliTIzqDipoziTqsqwanburAdawqkanq negi fawisAwehenihenq lawibiliTIzqlawibiliTIzqge jumqla

fawisA hurivaruge sAfu tafAtu fawisA hurivaruge sAfu tafAtu fawisA hurivaruge sAfu tafAtu fawisA hurivaruge sAfu tafAtu fawisA hurivaruge sAfu tafAtu

3 - 21 3 - 21 3 - 21 3 - 21 3 - 21masq masq masq masq masqrufiyA rufiyA rufiyA rufiyA rufiyA

1 - 3 1 - 3 1 - 3 1 - 3 1 - 3waharu waharu waharu waharu waharurufiyA rufiyA rufiyA rufiyA rufiyA

3 mahA 3 mahA 3 mahA 3 mahA 3 mahAhamawaSq hamawaSq hamawaSq hamawaSq hamawaSqrufiyA rufiyA rufiyA rufiyA rufiyA

3 - 5 3 - 5 3 - 5 3 - 5 3 - 5waharu waharu waharu waharu waharurufiyA rufiyA rufiyA rufiyA rufiyA

5 waharunq 5 waharunq 5 waharunq 5 waharunq 5 waharunqmati mati mati mati matirufiyA rufiyA rufiyA rufiyA rufiyA

jumqla jumqla jumqla jumqla jumqla

rufiyA rufiyA rufiyA rufiyA rufiyA

-

-

-

-

103,490,701

6,290,501

109,781,202

370,425,445

14,129,504

-

384,554,949

(274,773,747)

-

-

-

-

442,061,445

9,671,352

451,732,797

9,374,353

29,622,985

-

38,997,338

412,735,459

364,252,225

49,917,501

790,234,449

32,763,935

692,785,012

135,776,620

2,065,729,742

2,396,265,289

784,855

60,981,398

2,458,031,542

(392,301,800)

-

-

-

-

423,209,846

19,652,849

442,862,695

125,000

12,705,490

-

12,830,490

430,032,205

-

-

-

-

159,619,161

51,363,557

210,982,718

-

31,845,109

16,502,485

48,347,594

162,635,124

364,252,225

49,917,501

790,234,449

32,763,935

1,821,166,165

222,754,879

3,281,089,154

2,776,190,087

89,087,943

77,483,883

2,942,761,913

338,327,241


waharI ripOTq

7171717171

2004

2. mAlI hatiyArutawq bEnunqkurunq 2. mAlI hatiyArutawq bEnunqkurunq 2. mAlI hatiyArutawq bEnunqkurunq 2. mAlI hatiyArutawq bEnunqkurunq 2. mAlI hatiyArutawq bEnunqkurunq

h. mAlI hatiyArutawq bEnunqkurevEgotq h. mAlI hatiyArutawq bEnunqkurevEgotq h. mAlI hatiyArutawq bEnunqkurevEgotq h. mAlI hatiyArutawq bEnunqkurevEgotq h. mAlI hatiyArutawq bEnunqkurevEgotqbEnqkuge mawiganDu HarakAtqtakakI mAlI hatiyArutawq bEnunqkurevEgotaSq hinqgA HarakAtqtakekeve. kasqTamarunq bEnqkugawi bahawqTA DipoziTakI kurinq kanDaweLifawivAwinqTaresqTakaSq vaki muwqdatutakakaSq bahawqTA wewqcekeve. bEnqkunq mifawisA weverejq winqTaresqTq mArjinaSq vure matI wAmqdanIwewq hOdumaSq fenqvaru matI weseTaSqwinqvesqTqkureweve. bEnqkunq midenqnevi mArjinq witurukurumaSq kurumuwqdatuge fawisA wewqkoSq matI winqTaresqTq gawi digumuwqdatakaSq fawisA dUkureweve. migotaSq fawisAdUkurumugawi muwqdatu hamavegenq fawisA nagA farAtqtakaSq dUkurevE varaSq fawisA bahawqTaweve.

bEnqkunq winqTaresqTq mArjinq mati kurumuge bEnumugawi weverejaSq vure matI mArjinqgawi pqroviRanqge sAfu jumqla waSq balawi viyafArIge wuBUlunqnAwi rITewilqkoSqfarAtqfarAtaSq fawisA dUkureweve. mifada HarakAtqtakugawi himenenI hamawekani belenqsq CITq lOnewq nUneve. mIgeterEgawi bEnqkunq dE garanqTI wAwi wehenihenq komiTqmanqTqgeterEgawi himenE leTarsq wofq kqreDiTAwi pArfOrmanqsq himeneweve.

S. rawusqmAlu fudEvaruvunq S. rawusqmAlu fudEvaruvunq S. rawusqmAlu fudEvaruvunq S. rawusqmAlu fudEvaruvunq S. rawusqmAlu fudEvaruvunqrawusqmAlu fudEvaruvEtO belumaSq bEnqkunq bEnunq kuranI mOlqDivqsq maniTarI wotOriTI )wemq.wemq.wE.( winq hamajawqsavAfawivA minqganDutakeve. miminqganDunq rawusqmAlufudEvaraSq )wemq.wemq.wE. winq kanDawaLuwqvAfawivA gotunq maduvegenq 8 winqsawqta( huritO belumaSq bEnqkuge rawusqmAlAwi belenqsq CITq gawi bayAnqkoSqfawivAweseTqtakA waLA balaweve. mIge wituraSq belenqsq CITq gawi nuhimenE komiTqmanqTqtakAwi mArkeTAwi risqkuge minqvaru denegatumaSq vewiTeDq Wadadutakewq bEnunqkureveweve.bEnqkuge rawusqmAlu fudE minqvarakI:

belenqsq CITqge weseTq )pqroviRanA nulA sAfu jumqla( belenqsq CITqge weseTq )pqroviRanA nulA sAfu jumqla( belenqsq CITqge weseTq )pqroviRanA nulA sAfu jumqla( belenqsq CITqge weseTq )pqroviRanA nulA sAfu jumqla( belenqsq CITqge weseTq )pqroviRanA nulA sAfu jumqla(

wehenq bEnqkutakunq wanqnanq hurikasqTamarunqnaSq dUkoSqfawivA lOnuharumudAwehenihenq weseTqwehenihenq winqvesqTqmenqTq

belenqsqCITqgawi nuhimenE belenqsqCITqgawi nuhimenE belenqsqCITqgawi nuhimenE belenqsqCITqgawi nuhimenE belenqsqCITqgawi nuhimenElOnuge sIdA badalukurumuwqdatugawi bEnunqvAneviyafAriwA guLE konqTinqjenqsIsq

risqkq vewiTeDq weseTqge jumqla risqkq vewiTeDq weseTqge jumqla risqkq vewiTeDq weseTqge jumqla risqkq vewiTeDq weseTqge jumqla risqkq vewiTeDq weseTqge jumqla

rawusqmAluge rECiwO rawusqmAluge rECiwO rawusqmAluge rECiwO rawusqmAluge rECiwO rawusqmAluge rECiwO bEnqku % bEnqku % bEnqku % bEnqku % bEnqku % wemq.wemq.wE. % )weenqme kuDa( wemq.wemq.wE. % )weenqme kuDa( wemq.wemq.wE. % )weenqme kuDa( wemq.wemq.wE. % )weenqme kuDa( wemq.wemq.wE. % )weenqme kuDa(4002 4002 4002 4002 40023002 3002 3002 3002 30024002 4002 4002 4002 40023002 3002 3002 3002 30024002 4002 4002 4002 40023002 3002 3002 3002 3002

Tayar 1 rawusqmAluTayar 1 + Tayar 2 rawusqmAlu

n. daranIge risqku n. daranIge risqku n. daranIge risqku n. daranIge risqku n. daranIge risqkubEnqkaSq kurimativA daranIge risqkakI darani negifarAtaSq wadAkuranqjehE muwqdatugawi darani wadAkurevEgotq nuvumeve.

400,813

1,853,930

75,983

26,763

11,425

2,368,914

67,651

211,757

132,496

411,904

284,710

1,074,911

71,951

3,132

6,425

1,441,129

44,884

145,558

100,590

291,032

80,163

1,853,930

75,983

26,763

11,425

2,048,264

67,651

105,879

26,499

200,029

2,248,292

56,942

1,074,911

71,951

3,132

6,425

1,213,361

44,884

72,779

20,118

137,781

1,351,142

hurihA wadadewq divehi rufiyA winq belenqsq CITq gawivA wadadu belenqsq CITq gawivA wadadu belenqsq CITq gawivA wadadu belenqsq CITq gawivA wadadu belenqsq CITq gawivA wadadu risqku vewiTeDq wadadu risqku vewiTeDq wadadu risqku vewiTeDq wadadu risqku vewiTeDq wadadu risqku vewiTeDq wadadu 4002 4002 4002 4002 4002 3002 3002 3002 3002 3002 4002 4002 4002 4002 4002 3002 3002 3002 3002 3002

272,599

338,327

247,385

272,599

12.12

15.05

18.31

20.18

4%

8%

4%

8%


waharI ripOTq


7272727272

2004

)S( komiCanAwi fIge wAmqdanImawiganDugotewqgawi komiCanAwi fIge terEgawi himenenI bEnqkunq kasqTamarunqnaSq dE garanqTI wAwi KidumatqtakaSq kasqTamarunqge farAtunq libenqvA wewqcakAwi rAwqjEnqbEraSAwi rAwqjEgawi dawqkawidE fawisA waSq libE fIweve. mifada wewqceti balanI Kidumatq devifawivumAweku wAmqdanIge gotugaweve.

bilq wofq wekqsqcEnqjq wenqDOrsqkoSqdIgenq libE wAmqdanI balanI bilqlibi we dUkoSq nuvata wenqDOrsqkoSq wewaSq libenqvA wewqcewq libumunqneve.

)n( wufewqdunqteri nUnq lOnunq wanburA libE bawiwufewqdunqteri nUnq lOnuge terewinq wanburA libE Wadadutawq balanI libEfawisAge gotugaweve.

N. waLAbelunq N. waLAbelunq N. waLAbelunq N. waLAbelunq N. waLAbelunqmiwaharuge hisAbutawq bayAnqkurumugawi waLawibelE waharuge hisAbutakaSq konqmehenq genqnanqjehE badalutawq genevifawivAneweve.

hisAbu belehewqTumuge siyAsatuu


hisAbu belehewqTumuge siyAsatu

waharI ripOTq

7373737373

2004

kuwqyaSq dIfawivA dinumewq kuwqyaSq dIfawivA muwqdatuge kurIgawi wuvAleviwqjenama, jurumanAge gotugawi kuwqyaSq dEfarAtaSq dawqkanqjehE fawisA wemuwqdatuge terEgawi bayAnqkuranIKaradewqge gotugaweve.

v. fawisA wAwi fawisAwA wewqfada taketi v. fawisA wAwi fawisAwA wewqfada taketi v. fawisA wAwi fawisAwA wewqfada taketi v. fawisA wAwi fawisAwA wewqfada taketi v. fawisA wAwi fawisAwA wewqfada taketifawisA wAwi fawisAwA wewqfada taketIge gotugawi fawisA libunugotAwi hEdavigotuge bayAnugawi bayAnqkoSqfawivanI we libunufahunq 09 duvahaSq vure kuru muwqdatewqge terEgawitaBawqrafu fudE bAkItakeve. mIgeterEgawi wehenq bEnqkutakunq libE fawisA wAwi Wadadutawq himeneweve.

m. pqroviRanqtawq m. pqroviRanqtawq m. pqroviRanqtawq m. pqroviRanqtawq m. pqroviRanqtawqpqroviRanewq fAhagakuranI bEnqkaSq QAnUnIgotunq nuvata wehenqvesq binAkuranivi gotewqgawi, bEnqkunq wiQqtiBAdI fawidAwewq libE vasIlatewq bEruvegenqdAwiru, wEge badaludinumaSq lAzimukurAtI, welAzimukurA kurunq fUbewqdumaSq wekaSIgenqvA wanqdAsAwewq koSq weminqvarewq bayAnqkurumaSeve.

f. bayAnqkoSqfawivA minqvarewq hEdakurumuge pqlEnq f. bayAnqkoSqfawivA minqvarewq hEdakurumuge pqlEnq f. bayAnqkoSqfawivA minqvarewq hEdakurumuge pqlEnq f. bayAnqkoSqfawivA minqvarewq hEdakurumuge pqlEnq f. bayAnqkoSqfawivA minqvarewq hEdakurumuge pqlEnqbEnqkuge hurihA muvawqzafunqnakI bEnqkq wofq mOlqDivqsq plk ge pqroviDenqTq fanqDuge menqbarunqneve. muvawqzafunqge masqduvahuge musArawige 01 winqsawqta bEnqkunqfanqDaSq jamAkureweve.

d. dewqkunq fasqkurevifawivA fawidA Tekqsq d. dewqkunq fasqkurevifawivA fawidA Tekqsq d. dewqkunq fasqkurevifawivA fawidA Tekqsq d. dewqkunq fasqkurevifawivA fawidA Tekqsq d. dewqkunq fasqkurevifawivA fawidA Tekqsqdewqkunq fasqkurevifawivA fawidA Tekqsq bayAnqkurevenI sIdA Wadadunq lawibiliTI gotq bEnunqkoSqgenq weseTAwi lawibiliTI waSq binAkurevE Tekqsqge wasAsunq vagutItafAtu mAlI bayAnugawi bayAnqkurumunqneve. dewqkunq fasqkurevE Tekqsq ge minqvaru bayAnqkuranI mihAru WamalukurevE Tekqsq rETq bEnunqkoSqgenqneve.

pqroparTI, pqlAnqTq wAwi wikuwipqmenqTunq balaSq kenDumAwi lOnuge gewqlumaSq hadA pqroviRanqtawq wEge wasAsakaSq vegenq vagutI tafAtu wAdeweve.

t. gabUlukurunqtawq t. gabUlukurunqtawq t. gabUlukurunqtawq t. gabUlukurunqtawq t. gabUlukurunqtawqgabUlukurunqtakuge terEgawi himenenI kasqTamarunq ge bilqtawq wadAkurumaSq bEnqkunq HavAluvA HavAluvunqtakeve. bEnqku wuwqmIdukuranI bEnqkunq dawqkawidE bilqtakaSq wekuwekIgawikasqTamaruvesq fawisA dewqkumaSeve. QabUlukurunqtakuge muWAmalAtqtawq belenqsq CITqgawi bayAnqnukoSq, wehAmakoSqfawivAnI konqTinqjenqTq lawibiliTIzq wAwi komiTqmanqTqsqgeterEgaweve.

l. wAmqdanI wAwi Karadutawq l. wAmqdanI wAwi Karadutawq l. wAmqdanI wAwi Karadutawq l. wAmqdanI wAwi Karadutawq l. wAmqdanI wAwi Karadutawq winqTaresqTqge gotugawi libE wAmqdanI wAwi Karadu wAmqdanIge bayAnugawi fAhagakurumugawi winqTaresqTq libE hurihA wewqcewq himanAfawivanI wewinq wenqme boDu nafAwewqlibEgotaSq gatq wagugawi winqTaresqTq wituruvAgotaSeve.

g. wAmqdanI fAhagakurunq g. wAmqdanI fAhagakurunq g. wAmqdanI fAhagakurunq g. wAmqdanI fAhagakurunq g. wAmqdanI fAhagakurunq)h( kasqTamarunqge lOnaSq libE winqTaresqTq wAmqdanIkasqTamarunqnaSq dUkurevE lOnuge winqTaresqTq balanI wituruvAgotaSeve. wekamaku lOnu wanburA libumAmedu Cawqku wufediwqje nama winqTaresqTq wAmqdanI waSq lunqhuwqTeweve. mihenq hadanI wewqcewq nulibi 09 duvahaSq vure wituruvumunqneve. mifada wAmqdanI winqTaresqTq wAmqdanIgawi himananI libumunqneve.


waharI ripOTq


7474747474

2004

lOnq wanburA nudawqkA wotq muwqdatukanDaweLi bawibahawqTA minqvaru3 - 6 masqKAwqBakoSq bayAnqkurA%57 - 21 masqwAdawigewaSqvure daSq%01 - %0231 - 42 masqyaQInqkanq netq%53 - %0542 mahaSqvure ginagewqlunq%001

lOnunq libE gewqlunq fUbewqdumaSq belenqsq CITqge tArIKugawi WAnqmu pqroviRanewq hadAfawi viyasq, we KAwqBagotewqgawi bayAnqkoSqfawewq nuveweve.

lOnewq wanburA nulibEnekamaSq belevumAweku, wekamaSq hadAfawivA pqroviRanqwA waLawi foheleveweve. fohelAfawivA lOnewq fahunq wanburA libiwqjenama, wewinq libE wewqcewqvawqdanI wAmqdanI hisAbuge terewaSeve.

k. pqroparTI, pqlAnqTq wAwi wikqwipqmenqTq k. pqroparTI, pqlAnqTq wAwi wikqwipqmenqTq k. pqroparTI, pqlAnqTq wAwi wikqwipqmenqTq k. pqroparTI, pqlAnqTq wAwi wikqwipqmenqTq k. pqroparTI, pqlAnqTq wAwi wikqwipqmenqTqpqroparTI, pqlAnqTq wAwi wikqwipqmenqTq bayAnqkoSqfawivanI gatq wagunq balaSqkenDumaSq fahugaweve.

balaSq kenDunq hisAbukoSqfawi vanI we weseTewq wekaSIgenqvA gotewqgawi bEnunq kurevEne muwqdataSq balawigenq ”tedu rongu“ wuBUlunqneve. tirIgawi bayAnqkoSqfawiwevanI wekibAvatuge weseTq wekaSIgenqvA gotewqgawi bEnunqkurevEne muwqdateve.

bEnqkqge WimArAtqtawq02 waharukomqpiwuTar hArDqvewar wAwi sofqTqvewar3 - 5 waharufarunIcar wAwi wikqwipqmenqTq3 - 5 waharuwinqjInulI takewqcAwi wuLandu faharu5 waharukuwqyaSqhifAfawivA WimArAtqtawq balaSq kanDamunq genqdAnI kuwqyaSq hifAfawivA muwqdatu nunimenIsq balaSq kanDawi nimEne muwqdatakaSq balawigenqneve.balaSq kanDanq faSanI weweseTewqge bEnunq kuranq faSA tArIKakunq feSigenqneve.

weseTewqge bayAnqkurevE wagu wewinq libEnekamaSq lafAkurA wagaSqvure mativewqjenama, vagutunq wewinq libEne wagu bayAnqkureweve.

pqroparTI, pqlAnqTq wAwi wikqwipqmenqTq viwqkAlumunq libE gewqlunq nuvata fawidA balanI wewqcewqge bayAnqkurevE wagaSq balawigenqneve. wadi wewinq libE wewqcewq fawidAgeterEgawi bayAnqkureveweve.

marAmAtAwi wAkurumuge Karadu weKaradewq hingA vagutu wAmqdanIge hisAbugawi bayAnq kureveweve.

w. kuwqyaSq dinunq w. kuwqyaSq dinunq w. kuwqyaSq dinunq w. kuwqyaSq dinunq w. kuwqyaSq dinunqweseTq kuwqyaSq dinumugawi wewinq libE gewqlunq nuvata fawidA wakI kuwqyaSq dEfarAtuge wewqcewqge gotugawi kuwqyaSq dinumuge terEgawi bayAnqkureveweve. kuwqyaSq dinumA guLigenqdawqkA fawisA kuwqyaSq dIfawivA muwqdatugeterEgawi ”tedurongu“ wuBUlunq wAmqdanI bayAnugawi bayAnq kureveweve.



waharI ripOTq

7575757575

2004

1. hisAbu belehewqTumuge siyAsatu 1. hisAbu belehewqTumuge siyAsatu 1. hisAbu belehewqTumuge siyAsatu 1. hisAbu belehewqTumuge siyAsatu 1. hisAbu belehewqTumuge siyAsatu

mAlI bayAnqtawq tawqyArukurumugawi bEnunqkoSqfawivA hisAbu belehewqTumuge mawiganDu siyAsatutawq tirIgawi bayAnqkoSqfawi wevanIweve.

h. huSahaLAfawivA gotq h. huSahaLAfawivA gotq h. huSahaLAfawivA gotq h. huSahaLAfawivA gotq h. huSahaLAfawivA gotqmAlI bayAnqtawq tawqyArukoSqfawivanI hisAbu belehewqTumuge bawinalq waQqvAmI hamatakAwi minqganDutakA wewqgotaSeve. mAlIbayAnqtawq tawqyArukurumugawi wagutawq bayAnqkoSqfawivanI”hisqTorikalq kosqTq konqvenqCanq“ wA wewqgotqvAgotunq muWAmalAtewq hingi wiruge wagu bayAnqkurA wuBUlunqneve. migotunq weseTAwi lawibiliTIzAAwi rawusqmAluge wagubayAnqkoSqfawivanI wewewqcewq hOdiwiruge wagugaweve.

S. bEru fawisA badalukurunq S. bEru fawisA badalukurunq S. bEru fawisA badalukurunq S. bEru fawisA badalukurunq S. bEru fawisA badalukurunqbErufawisAge muWAmalAtutawq hisAbukoSqfawivanI wemuWAmalAtewq hingi tArIKuge wekqsqcEnqjq rETqgaweve. bErufawisA badalu kurumuge fawidA nuvata gewqlumAwi bErufawisAwinqhuri weseTAwi lawibiliTIzq wAmqdanIge bayAnqgawi bayAnqkoSqfawivAneweve. mifada bAkItawq bayAnqkoSqfawivanI waharu nimE tArIKuge wekqsqcEnqjq rETqge medu wagugaweve. minUnqgotakaSq wagukoSqfawivAnI kuriwaSq wewqbasq vefawivA wewqbasqvunq takugaweve.

n. mAlI winqsqTqrumenqTqtawq lawijewqsunq n. mAlI winqsqTqrumenqTqtawq lawijewqsunq n. mAlI winqsqTqrumenqTqtawq lawijewqsunq n. mAlI winqsqTqrumenqTqtawq lawijewqsunq n. mAlI winqsqTqrumenqTqtawq lawijewqsunqmAlI weseTqtakAwi lawibiliTIzqtawq belenqsq CITaSq vewqdumugawi huwqdalibigenqvA HAlatutakugawi wekatiwanekawqcaSq lawijawqsawi wunikurevifawivAneweve. nuvata bayAnqkoSqfawivAnIwEge sAfu bAkI weve. wehenqnUnqnama wekuwekIgawi weseTq libigane lawibiliTI wadAkoSqfawivAneweve.

r. winqvesqTqmenqTqtawq r. winqvesqTqmenqTqtawq r. winqvesqTqmenqTqtawq r. winqvesqTqmenqTqtawq r. winqvesqTqmenqTqtawqmAkeTqkurevE sikiwuriTI fiyavawi fikqsqDq weseTunq )harumudalunq( kurevE winqvesqTqmenqTqtawq bayAnqkoSqfawivanI wEge wagugaweve. pqroviRanewq hadAfawivAnI wEge wagudAwimIgotewqgawi daSqvamunqdAnekamaSq DirekqTarunqnaSq fenigenqneve. dAwimIgotewqgawi wewinqvesqTqmenqTewqge wagu daSqvamunqdA winqvesqTqmenqTqtawq wagudaSqvamunqdAkamaSqfAhagakurevunu muwqdatugawi wEge wagu bayAnqkoSqfawivAnI Karadewqge gotugaweve.

winqvesqTqmenqTq viwqkAlumunq libunu wewqcakAwi wehAtanaSq wEge waguge gotugawi belEwaguge faragu wAmqdanIge bayAnugawi Karadewqgegotugawi nuvata fawidA gotugawi himenifawivAneweve.

b. komqpiwuTarge sofqTqvewar tawqyArukurumuge wagu b. komqpiwuTarge sofqTqvewar tawqyArukurumuge wagu b. komqpiwuTarge sofqTqvewar tawqyArukurumuge wagu b. komqpiwuTarge sofqTqvewar tawqyArukurumuge wagu b. komqpiwuTarge sofqTqvewar tawqyArukurumuge waguwAnqmugotewqgawi komqpiwuTar sofqTqvewar pqrogqrAmqtawq tawqyArukurumaSq hEdavAwewqcewq, wehEdavA wiru bayAnqkurevenI Karadewqge gotugaweve. komqpiwuTar sofqTqvewarpqrogqrAmqtakuge waBqlu sqpesifikECanAwi bayAnqkoSqfawivA wumuraSq vure wituraSq bEnunqkurevE HAlatqtakugawi wewaSq hingAfawivA Karadu belevenI rawusqmAlaSq libEkuriwerumewqge gotugawi waBqluwagaSq witurukurevE wewqcekeve. komqpiwuTar sofqTqvewar tawqyArukurumaSq hingA Karadu weseTewqge gotugawi balawi tedurongu wuBUlubEnunqkoSqgenq we bEnunqkurevE Wumuruge terEgawi balaSq kanDawileveweve.

L. lOnAwi lOnuge gewqlumaSq hedE pqroviRanq L. lOnAwi lOnuge gewqlumaSq hedE pqroviRanq L. lOnAwi lOnuge gewqlumaSq hedE pqroviRanq L. lOnAwi lOnuge gewqlumaSq hedE pqroviRanq L. lOnAwi lOnuge gewqlumaSq hedE pqroviRanqkonqme lOnewq vesq welOnewq nagA farAtAwi fawisA HavAlukurevE vagutu lOnewqge gotugawi fAhagakureveweve.

lOnewq wanburA libumA medu Cawqku wufedE wiraSq wEge gewqlunq menEjqmanqTunq wanqdAzAkoSq wewaSq KAwqBa pqroviRanewq hadaweve.

lOnunq libidAne gewqlumaSq bawiwaLanI lOnq nagAfawivA kasqTamarAmedu medukeDumewqneti belumaSqfahu, lOnuge WumuraSq balawigenq bawikurumaSq mOlqDivqsq maniTarI wotOriTI winqkanDawaLuwqvAfawivA wanqnanivi minqganDunqneve.


waharI ripOTq


7676767676

2004

hinqgi HarakAtqtakunq dawuruvi fawisA hinqgi HarakAtqtakunq dawuruvi fawisA hinqgi HarakAtqtakunq dawuruvi fawisA hinqgi HarakAtqtakunq dawuruvi fawisA hinqgi HarakAtqtakunq dawuruvi fawisAwinqTaresqTaSq libunufIwAwi komiCanaSq libunuviyafArIge sAfu wAmqdanIhinqgumunq libunu wehenihenq wAmqdanIwinqTaresqTaSq devunumuvawqzafunqnaSq devunu fawisA wAwi wehenihenq Karaduhinqgumuge weseTqtakAwi lawibiliTIzqtakaSq badalutawqwawumuge kurinq hinqgi harakAtqtakunq dawuruvi fawisA

hinqgumunq weseTaSAwi lawibiliTIzaSq wawibadalu:wemq wemq wE gawi huri rizAvq )wituruvi(/maduviwemq wemq wEgawi wesawinq kepiTalq DipozTq maduvikasqTamarunqnaSq dUkurevunu lOnu wituruviwehenihenq weseTq )wituruvi(/maduvikasqTamarunqnaSq dAnqhuri fawisA wituruviwehenihenq lawibiliTIzq wituruviTekqsqge kurinq hinqgi HarakAtqtakunq dawuruvifawisAge sAfu jumqla

Tekqsqge gotugawi dewqki

hinqgi HarakAtqtakunq vatq fawisAge sAfu jumqla

winqvesqTqkurumuge HarakAtqtakunq dawuruvi fawisA winqvesqTqkurumuge HarakAtqtakunq dawuruvi fawisA winqvesqTqkurumuge HarakAtqtakunq dawuruvi fawisA winqvesqTqkurumuge HarakAtqtakunq dawuruvi fawisA winqvesqTqkurumuge HarakAtqtakunq dawuruvi fawisApqroparTI, pqlAnqTAwi wikqwipqmenqTq ganegenqpqroparTI, pqlAnqTAwi wikqwipqmenqTq viwqkawigenqbonqDu gawi winqvesqTq kuri

winqvesqTq kurumuge HarakAtunq vatq fawisAge sAfujumqla

mAlI HarakAtqtakunqq dawuruvi fawisA mAlI HarakAtqtakunqq dawuruvi fawisA mAlI HarakAtqtakunqq dawuruvi fawisA mAlI HarakAtqtakunqq dawuruvi fawisA mAlI HarakAtqtakunqq dawuruvi fawisAwanburAdawqkanq negifawisA waSq libunuwanburAdawqkanq negifawisA dewqkunuHiwqBAge fawidA waSq devunu

mAlI HarakAtqtakugawi bEnunqkurevunu fawisAge sAfu jumqla

fawisAwAwi fawisAwAwi wewqgotq taketi wituruvumuge sAfu jumqlaa fawisAwAwi fawisAwAwi wewqgotq taketi wituruvumuge sAfu jumqlaa fawisAwAwi fawisAwAwi wewqgotq taketi wituruvumuge sAfu jumqlaa fawisAwAwi fawisAwAwi wewqgotq taketi wituruvumuge sAfu jumqlaa fawisAwAwi fawisAwAwi wewqgotq taketi wituruvumuge sAfu jumqlaawaharu feSunuwiru fawisAwAwi fawisAwA wewqgotq taketi huri

waharu nimunuwiru fawisAwAwi fawisAwA wewqgotq taketi huri waharu nimunuwiru fawisAwAwi fawisAwA wewqgotq taketi huri waharu nimunuwiru fawisAwAwi fawisAwA wewqgotq taketi huri waharu nimunuwiru fawisAwAwi fawisAwA wewqgotq taketi huri waharu nimunuwiru fawisAwAwi fawisAwA wewqgotq taketi huri

miwAweku BafqHA 57winq BafqHA 27 waSq himenifawivA hisAbukurumuge siyAsatAwi BafqHA 17 winq BafqHA 65 waSq himenifawivA mAlI hisAbutakAguLE nOTqtakakI mAlIbayAnqtakuge bawekeve.

33

23

17

198,543,251

59,985,663

12,117,771

15,942,016

(55,355,937)

(101,726,759)

129,506,005

(171,736,105)

3,258,000

(821,087,347)

494,912

842,920,666

16,713,481

69,612

(9,862,406)

(9,792,794)

(17,109,777)

112,125

(5,000,000)

(21,997,652)

34,459,865

(13,547,533)

(11,500,420)

9,411,912

(22,378,534)

545,131,241

522,752,707

153,488,430

29,897,333

4,999,525

12,456,240

(63,401,996)

(43,348,545)

94,090,987

36,400,180

-

(75,098,380)

90,706

244,011,781

1,298,655

300,793,929

(9,261,435)

291,532,494

(15,512,146)

84,166

-

(15,427,980)

374,863

(9,193,190)

(10,185,060)

(19,003,387)

257,101,127

288,030,114

545,131,241

)hurihA wadadewq divehi rufiyA winq( 13 Disemqbar gawi nimunu waharu 13 Disemqbar gawi nimunu waharu 13 Disemqbar gawi nimunu waharu 13 Disemqbar gawi nimunu waharu 13 Disemqbar gawi nimunu waharunOTq nOTq nOTq nOTq nOTq4002 4002 4002 4002 4002 3002 3002 3002 3002 3002


fawisA libunugotAwi hEdavIgotuge bayAnq

waharI ripOTq

7777777777

2004

10 jenuwarI 3002 ge bAkI 10 jenuwarI 3002 ge bAkI 10 jenuwarI 3002 ge bAkI 10 jenuwarI 3002 ge bAkI 10 jenuwarI 3002 ge bAkI

waharuge sAfufawidA

13 Disemqbar 3002 ge bAkI 13 Disemqbar 3002 ge bAkI 13 Disemqbar 3002 ge bAkI 13 Disemqbar 3002 ge bAkI 13 Disemqbar 3002 ge bAkI

10 jenuwarI 4002 ge bAkI 10 jenuwarI 4002 ge bAkI 10 jenuwarI 4002 ge bAkI 10 jenuwarI 4002 ge bAkI 10 jenuwarI 4002 ge bAkI

waharuge sAfufawidA

3002 waharuge hiwqsA

13 Disemqbar 4002 ge bAkI 13 Disemqbar 4002 ge bAkI 13 Disemqbar 4002 ge bAkI 13 Disemqbar 4002 ge bAkI 13 Disemqbar 4002 ge bAkI

)hurihA wadadewq divehi rufiyA winq(jumqla jumqla jumqla jumqla jumqla

247,385,231

25,213,867

272,599,098

272,599,098

76,682,943

(10,954,800)

338,327,241

QAnUnI QAnUnI QAnUnI QAnUnI QAnUnIrizAvq rizAvq rizAvq rizAvq rizAvq

199,599,191

25,213,867

224,813,058

224,813,058

76,682,943

(10,954,800)

290,541,201

hiwqsAge hiwqsAge hiwqsAge hiwqsAge hiwqsAgemUnumatI mUnumatI mUnumatI mUnumatI mUnumatIwagaSqvure wagaSqvure wagaSqvure wagaSqvure wagaSqvure

wituru wituru wituru wituru wituru

11,270,040

-

11,270,040

11,270,040

-

-

11,270,040

36,516,000

-

36,516,000

36,516,000

-

-

36,516,000

nOTq nOTq nOTq nOTq nOTq

13


hiwqsAge hiwqsAge hiwqsAge hiwqsAge hiwqsAgerawusqmAlq rawusqmAlq rawusqmAlq rawusqmAlq rawusqmAlq


waharI ripOTq

wikuwiTI waSq wawi badalu

7878787878

2004

mAlI bayAnqtawq 50 jUnq 5002 gawi bODunq fAsqkurawqvawi wEgawi sowikurawqvAfawivanI:

wibqrAhImq zuhawirumuhanqmadu Wabuduwq sawqtAruserInq hO wowi kuwenqcewarmanqDirekqTar jeneralq menEjar wadi cIfq wegqzekqTivq wofisar

weseTqsq weseTqsq weseTqsq weseTqsq weseTqsqnagudu fawisAwAwi kurumuwqdatugawi libenqhurimOlqDivqsq maniTarI wotOriTI gawi huri jamAbilq wofq wekqsqcEnqjqlOnAwi weDqvAnqsqwinqvesqTqmenqTqpqroparTI, pqlAnqTq wAwi wikqwipqmenqTqwehenihenq weseTqweseTqge jumqla

lawibiliTIzq lawibiliTIzq lawibiliTIzq lawibiliTIzq lawibiliTIzqbEnqku nUnq kasqTamarunq DipoziTq koSqfawi huriwanburA dawqkanq negi fawisAdawqkanqhuri bilAwi QabUlukurunqtakAwi wehenihenq liyunqtakunq fenqna daraniwehenihenq lawibiliTIzqmihAruge Tekqsqdewqkunq fasqkoSqfawivA TekqsqHiwqBAdArunqnaSq dEnqjehElawibiliTIzqge jumqla

HiwqBAdArunqge wikuwiTI HiwqBAdArunqge wikuwiTI HiwqBAdArunqge wikuwiTI HiwqBAdArunqge wikuwiTI HiwqBAdArunqge wikuwiTIHiwqBAge rawusqmAluHiwqBAge mUnumatIge wagaSqvure wituraSq huririzAvqHiwqBAdArunqge wikuwiTI ge jumqla

lawibiliTIzq wAwi HiwqBAdArunqge wikuwiTIge jumqla lawibiliTIzq wAwi HiwqBAdArunqge wikuwiTIge jumqla lawibiliTIzq wAwi HiwqBAdArunqge wikuwiTIge jumqla lawibiliTIzq wAwi HiwqBAdArunqge wikuwiTIge jumqla lawibiliTIzq wAwi HiwqBAdArunqge wikuwiTIge jumqlaq

komiTqmenqTqtakAwi konqTinqjenqsIzq

15

16

18

19

22

23

24

25

26

28

27

29

29

30

31

472,835,206

840,151,950

32,763,935

1,821,166,165

11,425,000

75,983,424

26,763,474

3,281,089,154

2,776,190,087

89,087,943

2,377,552

45,820,283

25,014,493

3,705,035

566,520

2,942,761,913

36,516,000

11,270,040

290,541,201

338,327,241

3,281,089,154

411,903,991

346,838,680

820,048,905

9,959,056

1,064,951,491

6,425,000

71,951,175

3,132,729

2,323,307,036

1,933,269,421

68,175,611

1,059,347

34,593,099

9,862,406

2,635,914

1,112,140

2,050,707,938

36,516,000

11,270,040

224,813,058

272,599,098

2,323,307,036

291,031,813

)hurihA wadadewq divehi rufiyA winq( 13 Disemqbar gawi nimunu waharu 13 Disemqbar gawi nimunu waharu 13 Disemqbar gawi nimunu waharu 13 Disemqbar gawi nimunu waharu 13 Disemqbar gawi nimunu waharunOTq nOTq nOTq nOTq nOTq4002 4002 4002 4002 4002 3002 3002 3002 3002 3002


belenqsq CITq

waharI ripOTq

7979797979

2004miwAweku BafqHA 57winq BafqHA 27 waSq himenifawivA hisAbukurumuge siyAsatAwi BafqHA 17 winq BafqHA 65 waSq himenifawivA mAlI hisAbutakAguLE nOTqtakakI mAlIbayAnqtakuge bawekeve.

jumqla wAmqdanI jumqla wAmqdanI jumqla wAmqdanI jumqla wAmqdanI jumqla wAmqdanI

winqTaresqTqge gotugawi libunu

winqTaresqTqge gotugawi hEdavi

winqTaresqTaSq libunu sAfu wAmqdanI winqTaresqTaSq libunu sAfu wAmqdanI winqTaresqTaSq libunu sAfu wAmqdanI winqTaresqTaSq libunu sAfu wAmqdanI winqTaresqTaSq libunu sAfu wAmqdanI

fI wAwi komiCanaSq libunu wAmqdanI

viyafArinq libunu sAfu wAmqdanI

hinqgumunq libunu wehenihenq wAmqdanI

hinqgumunq libunu wAmqdanI

kankankankankanDanq: Danq: Danq: Danq: Danq: hinqgumuge KaradutawqmuvawqzafunqnaSq hingi Karadutawq

WimArAtAwi wikqwipqmenqTaSq hingi Karadutawq

lOnuge gewqlumAwi wewAguLEgotunq behewqTifawi huri

hinqgumAbehE wehenihenq Karadutawq

Tekqsq negumuge kurinq fawidA

fawidAge Tekqsq

waharuge sAfu fawidA

HiwqBAwakaSq jehunu fawidA - wasAsI

4

5

5

5

6

7

8

9

10

11

12

14

286,588,701

198,543,251

(55,355,937)

143,187,314

59,985,663

12,117,771

15,942,016

231,232,764

(34,863,272)

(21,625,974)

(42,067,794)

(29,909,167)

102,766,557

(26,083,614)

76,682,943

629.99

200,841,528

153,488,430

(63,401,996)

90,086,434

29,897,333

4,999,525

12,456,240

137,439,532

(22,084,822)

(21,157,213)

(40,378,503)

(16,106,807)

37,712,187

(12,498,320)

25,213,867

207.15

)hurihA wadadewq divehi rufiyA winq(13 Disemqbar 13 Disemqbar 13 Disemqbar 13 Disemqbar 13 DisemqbarnOTq nOTq nOTq nOTq nOTq4002 4002 4002 4002 4002 3002 3002 3002 3002 3002

waharI ripOTq

wAmqdanIge bayAnq

8080808080

2004

bEnqkq wofq mOlqDivqsq plk ge menqbarunqnaSq woDiTarunq huSahaLA ripOTq bEnqkq wofq mOlqDivqsq plk ge menqbarunqnaSq woDiTarunq huSahaLA ripOTq bEnqkq wofq mOlqDivqsq plk ge menqbarunqnaSq woDiTarunq huSahaLA ripOTq bEnqkq wofq mOlqDivqsq plk ge menqbarunqnaSq woDiTarunq huSahaLA ripOTq bEnqkq wofq mOlqDivqsq plk ge menqbarunqnaSq woDiTarunq huSahaLA ripOTq

1.bEnqkq wofq mOlqDivqsq plk ge 13 Disemqbar 4002 gawi nimunu waharuge belenqsq CITAwi wewA guLE fawidA wAwi gewqlumuge hisAbAwi fawisAlibunugotAwi hEdavigotuge hisAbAwi wikuwiTI waSq wawi badalAwi hisAbukurumuge siyAsatAwi mAlI hisAbutakAguLE nOTqtawq ) BafqHA 65 winq 97 waSq(balawifImeve.

DirekqTarunqnAwi woDiTarunqge masqwUliwqyatu DirekqTarunqnAwi woDiTarunqge masqwUliwqyatu DirekqTarunqnAwi woDiTarunqge masqwUliwqyatu DirekqTarunqnAwi woDiTarunqge masqwUliwqyatu DirekqTarunqnAwi woDiTarunqge masqwUliwqyatuu

2.BafqhA 65 winq 97 waSq himenifawivA mAlI hisAbutakAwi bayAnqtawq tawqyArukoSq huSaheLumakI kunqfunIge DirekqTarunqge masqwUliwqyatekeve. waLuganDumenqgemasqwUliwqyatakI midenqnevi mAlI hisAbutakAbehE bayAnqtawq wODiTqkurumaSqfahu waLuganDumenqnaSq fenqna wewqcewq fenqnagotakaSq bunumeve.

ninqmunq binAkuri gotq ninqmunq binAkuri gotq ninqmunq binAkuri gotq ninqmunq binAkuri gotq ninqmunq binAkuri gotq

3.waLuganDumenq wODiTqkurI bawinalq waQqvAmI gotunq wODiTqkurumuge hamatakAwi minqganDutakA wewqgotqvAgotuge matinqneve. midenqnevi minqganDutakuge daSunqwaLuganDumenq wODiTqkurumugee masawqkatq rAvawi tanqfIzukurumugawi bEnqkuge mAlI hisAbutakAbehE bayAnqtakugawi woLuvAlumewq nuvAkamaSq yaQInqkamAweku bunevEvaraSqmaWulUmAtu hOdumaSq lAzimqkureweve. wODiTqkurumugawi mAlIhisAbutakAwibehE bayAnqtakugawi hAmakoSqfawivA wadadutakakI HaQIQI wadadutakewqkanq sAbitukurevE varaSqheki hOdunq himeneweve. wehenqme wODiTqkurumugawi hisAbubelehewqTumuge wuBUlutawq hifahawqTAfawivA minqvarewq belumAwi DirekqTarunq wekiweki wanqdAzAtawqkoSqfawivAgotuge harudanAkamaSq belumuge wituraSq mAlIhisAbutawq huSahaLAfawivAgotq vesq vazanqkuranqjeheweve. waLuganDumenq yagInqkurA gotugawi waLuganDumenq kuriwODiTqgawi midenqnevi kanqtawqtakuge mawqcaSq binAkoSq wewqcewq bunevEvaruveweve.

ninqmunq ninqmunq ninqmunq ninqmunq ninqmunq

4.mIgawimivA mAlI hisAbutakAwi bayAnqtakunq bEnqkq wofq mOlqDivqsq plk ge mAlI HAlatu 13 Disemqbar 4002 gawi wotqgotq HaQIQatA wewqgotaSqdawqkawidEkamaSq waLuganDumenqnaSq feneweve. wadi wehenqme weduvahu nimunu waharu bEnqku hingAfawivAgotAwi wikuwiTI waSq wawi badalAwi fawisA libunugotAwihEdavigotuge hisAbu balahawqTAfawi hurI hisAbu belehewqTumuge bawinalq waQqvAmI hamatakAwi minqganDutakA wewqgotaSq kamaSqvesq waLuganDumenqnaSq feneweve.

50 jUnq 5002pqrawisqvOTarhawusqkUparsq pqrawisqvOTarhawusqkUparsq pqrawisqvOTarhawusqkUparsq pqrawisqvOTarhawusqkUparsq pqrawisqvOTarhawusqkUparsqmAle cATarDq wekawunqTenqTqsq


woDiTarunq ge ripOTq

waharI ripOTq

8181818181

2004

wehenqme belenqsq CITqge tArIKaSq faahu mAlI bayAnqtakuagawi hAmakoSqfawivA wewqvesq hisAbewq nuvata kamewq badalukuranq jehEfada wewqvesq HAdisAwewqhingAfawi nuvAkamaSq vesq DirekqTarunqge bODuge menqbarunq kaSavarukoSq dEmeweve.

71. ninqmunq 71. ninqmunq 71. ninqmunq 71. ninqmunq 71. ninqmunq

mi furusatugawi bEnqkaSq minisqTqrI wofq finEnqsq wenqDq TqreRarI wAwi mOlqDivqsq maniTarI wotOriTI dewqvA tAwIdA wewqbArulewqvunq fAhagakoSq DirekqTarunqgebODuge farAtunq Cukuru danqnavameve.

bEnqkuge hiwqsAdArunqnAwi kasqTamarunq bEnqkaSq kurawqvA witubArAwi bahawqTavA gAtq guLunq fAhagakoSq DirekqTarunqge bODuge farAtunq Cukuru danqnavameve.

bEnqkuge menEjqmanqTAwi muvawqzafunq bEnqkuge lanDudanDitawq hAsilukurumaSq dewqvA samAlukamAwi wefarAtqtakunq bEnqkaSq hitAwi ruhumunq koSqdewqvA fenqvarurangaLu Kidumatq fAhagakoSq DirekqTarunqge bODuge farAtunq hurihA muvawqzafunqnaSAwi menEjqmanqTaSq Cukuru danqnavameve.

DirekqTarunqge bODubEnqkq wofq mOlqDivqsq plk

50 jUnq 5002


waharI ripOTq

DirekqTarunqge ripOTq

8282828282

2004

mAle wAwi watoLutakugawi hedumaSeve.

diriwuLenq ge doru wimArAtq kurumaSq bEnunqvA fawisA libumugawi datitakewq hurumAweku, wekamaSq hawqle hOwqdavawi dewqvumaSq dAdi fahuanq vanI hawusinqgDivelopqmaanqTq fawinEnqsq kOparECanqge naamuagawi mAlI widArAwewq wufawqdavAfawevea. gedoru WimArAtq kurumaSq bEnunqvA bawewq fawisA hawusinqg DivlopqmaanqTqfawinEnqsq kOparECanunq libEne kamaSq beleveweve.

huLumAlE wAbAdukurewqvumuge masawqkatq kuriwaSq genqdevumAweku, wimArAtqkurumuge dAwirA wituraSq fuLAvAne kamaSq beleveweve. mIge wituaraSq sarukAruge pqrojekqTqtakAwiwamiwqla farAtqtakuge rizOTq pqrojekqTqtakuge konqTqrekqTarunqnaSq bEnqkunq lOnu demunq genqdAneweve.

61. masqwUliwqyatuge bayAnq 61. masqwUliwqyatuge bayAnq 61. masqwUliwqyatuge bayAnq 61. masqwUliwqyatuge bayAnq 61. masqwUliwqyatuge bayAnq

DirekqTarunqge bODuge menqbarunq mi tAngawi mi bayAnqkuranI:

1-waharI hisAbu tawqyArukurumuagawi hisAbu belehewqTumugawi genqguLE hamatawq wewAbehE tafqsIlutakA wekubEnunqkurevifawi veweve.

2-hisAbu belehewqTumugawi genqguLE hamatawq KiyArukoSq wehamatawq wewqgotewqgawi bEnunqkoSq, wekiwanqdAsAtawqkoSqfawivanIbEnqkuge mAlI HAlatu 13 Disemqbar 4002 gawi wotq gotq haQIQatA wewqgotaSq dawqkawidE wadi wehenqmewedumahu nimunu waharuage fawidA nuvata gewqlunq dawqkuvawidE gotewqgaweve.

3-fawisA wA behE rekODutaawq rawqkAterikoSq belehewqTumaSq wekaSIgenqvA gotewqgawi masawqkatqkoSq QAnUnu nanqbaru 69/01) divehirAwqjEge kunqfunqNA behE QAnUnu( wAwi mOlqDivqsq maniTarI wotOriTIwinq 8891 vana waharu bEnqku takAwi mAlI widArAtaakugeweseTq rawqkAterikoSq we tanqtanugawi hingA nAjAwizq fawidA nagawi wehenqvesq gavAwidA KilAfu kanqtawqtawq huwqTuvumuge gavAwiduagawibayAnqkoSqfawvA minqvaraSq bayAnqkoSqfawiveweve.wadi mOlqDivqsq maniTarI wotOriTIge kepiTalq mArkeTq DivelopqmanqTq sekqCanqge lisqTqgawi bayAnqkurevifawivAkunqfunitakunq wamalukuranq jehE gavAwidAwewqgotaSq WamalukurevE meweve.

4-hisAbu tawqyArukoSqfawivanI hinga hingA huuri viyafAriwewq kamaSq balawigenqneve.

DirekqTarunqge bODuge menqbarunq mi ripOTAwi miripOTA wekugawivA mAlI bayAnqtakugawi hAmakoSqfawivA kanqtawqtawq fiyavawi wehenq kanqtawqtakewqge Cawugewq netqkanqkaSavarukoSqdeweve.

kuDa viyafAriveriwaku kuDagotakaSq boDukanqneli masq tawqyArukurA tanewq k.hurA gawi hedumaSq fawisA dinumuge fiyavaLutawq 5002 gawi bEnqkunq vanIwaLAfaweve. bEnqku rAvAfawi vanI mahuage wufewqdunqtakAwi mAkeTqtakAwi wagaSqwanqna badalAweku wufewqdumuge Karadu fada kanqkanq dirAsAkoSqgenq midAwirAtarawqQI kurumaSq wituru mAliwqyatu diinumaSq tawqyAruvumaSeve.

WimArAtqkurumuge dAwirA WimArAtqkurumuge dAwirA WimArAtqkurumuge dAwirA WimArAtqkurumuge dAwirA WimArAtqkurumuge dAwirA

bEnqkq feSunIwqsurenq bEnqkunq wimArAtqkurumuge dAwirA waSq danI wehIvamunqneve.wadi kuriwaSq wotq tanugawi vesq mikanq migotaSq kuriwaSqgenqdevEEEEEE E E E E Eneweve. bEnqkugewehI libenI diriwuLE tanqtanq WimArAtqkurumaSAwi viyafAriwaSq bEnunqvA WimArAtqtawq


waharI ripOTq

masqkawqkA hiwqkumuge masawqkataSq bEnqkunq lOnq dUkurE

8383838383

2004

gotewqgawi kurevemunqdA mAkeTinqg ge masawqkatAweku 5002 mewi wA hamawaSq wawiwiru mi BinAWatu vanI rangaLuvAnq faSAfaweve. migotunq wevqrejq gotewqgawi 05winqsawqta wendu furemunq deweve. 4002 vaana waharakI 000,006 faturuverinq wawumuge sababunq fAhagakoSqlevunu waharekeve. wekamaku sunAmIwaSqfahu mewi5002 wA hamawaSq wawi wiru faturuverinq wawunq mivanI 05 winqsawqtawigaweve. wenqme muhinqmu BinAwatuge gotunq bEnqkunq 4002 ge niyalaSq dUkoSqfawivAlOnuge 25 winqsawqtawakI faturuverikamuge dAwirAwaSq dUkoSqfawivA lOneve.

5002 wEpqrIlq gawi biDq kAmiyAbukoSqgenq walaSq dUkurevunu 11 rizOTA guLigenq miraSqtawq tarawqQI kurumaSq bEnunqvA fawisA hOdumakI winqvesqTqkurAfarAtqtakaSAwi rizOTq hinqgA farAtqtakaSAwi mAalI widArAtakaSq vesq kurimativAgonqjehumekeve. wunqmIdukurevE gotuagawi midAwirAwaSq dUkurevE pqrojekqTq fawinEnqsqvaraSq boDaSq wituruve wendu wituruvumaSq magufahivAnewevee. wA rizOTqtawqtarawqQIkurumaSq gAtqganDakaSq 051 miliyanq Dolaru bEnunqvAnekamaSq beleveweve.wArizOTqtawq hedumaSq bEnunqvA fawisA dinumugawi bEnqkunq muhinqmu dawurewqkuLEneweve.

midAwirA fuLAvumuge sIdA natIjA wewqge gaotunq WimArAtq kuraSq bEnunq vA taketigina wadadakaSq wimqpOTq kurumAwi masawqkatq kurAne gina wadadewqge bidEsInqgenawunq vanI, wimArAtqkurumaSq dIfawivA waharakaSq vurenq wituru muwqdatuagawi ,viyafArIge wehenq dAwirAtawq fuLAvumaSq feturigenqdA kamakaSeve.

walaSq tarawqQI kurevE 11 rizOTq ge jAga furumugawi sarukArAwi wamiwqlafarAtqtawq guLigenq varaSq boDaSq mAkeTq kurumuge masawqkatq sarahawqdI wadibawinalq waQqvAmI fenqvarugawi kuranqjehE kamI Cawqketq wotq kamewq nUneve.

daturufaturuge dAwirA daturufaturuge dAwirA daturufaturuge dAwirA daturufaturuge dAwirA daturufaturuge dAwirA

jOgqrafIge gotunq rAwqje wufaedifawivA gotunq viyafAriwaSq, KAwqBakoSq faturuverikamaSq kurimativefawivA wenqme boDu mawqsalawakI fasEha watqfOrA minqvarewqgedaturufaturu libenq netumeve.

weki sarahawqdutakugawivA rizOTqtakaSq faturuverinq wufulumugawi mihAruvesq wadi kurimagugawivesq rAwqjEgawi vawige KidumatqdE kunqfunitakunq wewqgamAwi kanDaSqjawqsA matinqdA bOTuge magutawq wituru koSqgenq namavesq wemIhunqge maQqsadu HABilukuranq vanI Wazumq kanDawaLAfaweve. sarukArunq 4002 vana waharuwawqDuwatoLu ganqwewarpOTq devana bawinalq waQqvAmI vawige bandarakaSq vanI tarawqQI kurawqvAfaweve. weterEge wuduhunq takuagawi fasEhakamAweku teyo waLawidE tanakaSqganq winqTarnECanalq wewarpOTq vumuge wituraSq, wunqmIdu kurevE gotuagawi rAwqjewA bErA guLuvawidE wituru bawinalq waQqvAmI fqlawiTqtawq wanqnAneweve.

masqverikamuge dAwirA masqverikamuge dAwirA masqverikamuge dAwirA masqverikamuge dAwirA masqverikamuge dAwirA

masqverikamakI rAwqjEagawi de vana waSq wenqme boDu BinAWateve. midAwirAwinq Qawumuge wufewqdunqterikamuge minqvaraSqkurA HiwqBAge minqvarakI 7 winqsawqtaweve.bEnqkunq midAwirA gawi HarakAtqqterivumugawi muhinqqmu dawurewq wadAkoSq, watoLutakuagawi tibE masaqverinqnanq bEnunq vA wehIterikanq tarawqQIge bEnqkuge HarakAtqtakugeterewinq bEnqkuge gofitakAwi bEnqku dOnifaharu meduverikoSq fOrukoSqdeveweve.

sarukArunq ninqmevi ninqmevumakA weku, masqverikamuge dAwirAgawi wamiwqla farAtqtakunq winqvesqTqkoSqgenq tarawqQI kurumaSq rAwqjEge dezOnewq vanIhuLuvAlevifaweve. mIge natIjAwewqge gotunq bEnqkunq masqverikamuge dAwirAwinq wamiwqla farAAtaqtakunq biDq kAmiyAbukurawqvawigenq tawqyArukurawqvA masqfinikoSqbahawqTAtanAwi masq daLugawi banqdukurumaSq hadA fekqTarI pqrojekqTaSq fawisA dIfawiveweve.

waharI ripOTq


”vanq wenqDq wonqlI“ rIti raSq mOlqDivqsq tarawqgIkurumuge maCqrUwq waSq lOnu dinumugawi bEnqkq wofqmOlqDivqsq winq bawiverivi

8484848484

2004



walqfAMilq Wabqdulq GafUrumagAmuge Hawisiwqyatunq DirekqTar

4002 jenuwarI 72 gawi wekqTinqg cIfq wegqzekeTivq wofisar walqfAMilq WabqdulqGafUruge badalugawi wA jeneralq menEjar wadi cIfq wegqzekqTivq wofisarmisq serInq hO wowi kuwenq menqbarakaSq hamajehuneve.

12 vana waharI wAnqmu jalqsAwA vidigenq, 4002 sepqTemqbar 51 gawi tirIgawi danqnavAfawivA menqbarunqge mawqcaSq wegqzekeTivq komiTI wekulavawilevuneve.

walqfAMilq muHanqmadu waHqmadu dIdI) wegqzekeTivq komiTIge cewarmanq(walqfAMilA nAdiyA Hasanq) DirekqTar(walqfAMilA wAminatu WalI maniku) DirekqTar(walqfAMilq muHanqmadu Wabqduwqq sawqtAru) DirekqTar(misq serInq hO wowi kuwenqmagAmuge Hawisiwqyatunq DirekqTar

bEnqkunq wA DirekqTarunqge bODaSq maruHabA danqnavameve.

bODu jalqsAtakugawi dewqvA fawivA waguhuri KiyAlufuLutawq fAhagakoSq DirekqTarunqge bODuge kurIge menqbarunq kamuagawivA walqfAMilq QAsimq wibqrAhImAwiwalqfAMilq wibqrAhImq muwqYalibAwi walqfAaMilq Wabqdulq bArI muHanqmadaSq bEnqkunq Cukuru danqnavameve.

4002 vana waharuge terEgawi DirekqTarunqge bODuge 92 jalqsA bAwqvAfawi veweve. waharu terEgawi wegqzekeTivq komiTIge 1 jalqsA bEwqvuneve.

bODuge menqbarunqnakI musArawewqdE bawewq nUneve. bEnqkunq denI bODu menqbarunqnaSq webEfuLunq hAziruve vaDawiganqnavA konqme jalqsA wakaaSq kanDaweLifawivAfiwekeve. mi gotunq 02 julawi 4991 gawi bEwqvi bODu jalqsAwinq kanDaweLifawivA fI wakI konqme bODu jalqsAwakaSq hAziruvi menqbarakaSq -/005 rufiyAwadi wegqzekeTivq komiTIge jalqsawakaSq hAziruvi meenqbarakaSq -/004 rufiyAweve.

51. kurimagu 51. kurimagu 51. kurimagu 51. kurimagu 51. kurimagu

wAnqmu wiQqtiBAdu wAnqmu wiQqtiBAdu wAnqmu wiQqtiBAdu wAnqmu wiQqtiBAdu wAnqmu wiQqtiBAdu

62 Disemqbar 4002 ge sunAmI ge CokAwekuhenq duniyEge mAkeTqgawi telAwi WimArAtakurumuge taketIge terewinq daganDAwi lakuDIge wagu boDuvefawiveweve.mIge natIjAwakI teluge wagAwi sunAmige fahunq wArAsqtukurumuge kanqtakA guLigenq lAda ) winqfqlECanq( mativumeve. viyafAri kurumuge wagu boDuvumunq mativA hurihAwagewq kasqTamarunq wufulanq nujewqsEtI fawidAge minqvaru daSqve viyafArIge magunq vanqna fawisA maduvAneweve. bawinalqwaQqvAmI masqraHaSq balAwiruyU.wesq. Dolaru wehenihenq muhinqmu fawisA wA guLigenq meduminqvarewqgawi winqTaresqTq rETq vanI wufulifaweve. rAwqjewinq bErunq yU.wesq. Dolarunq bEnqkaSqnagA fawisAge Karadu boDuve wadi 5002 gawi wituraaSq boDuvAneweve. 5002 mewi mahA hamayaSq wawiwiru, rAwqjEge faturuverikamAwi wiQqtiBAdI wehenq dAwirAtawqrangaLuvAnq faSAfawivI namavesq bEnqkunq genqdAnI faturuverikamAweku gewqlunqtawq madukurumaSq fiyavaLuwaLamunq lOnq dE dAwiraAtawq fuLAkoSq fI waSq binAvAwAmqdanIlibE bawitawq witurukuramunqneve.

faturuverikamuge dAwirA faturuverikamuge dAwirA faturuverikamuge dAwirA faturuverikamuge dAwirA faturuverikamuge dAwirA

faturuverikamakI QawumI wufewqdunqterikamaSq muhinqmu 03 winq sawqta hiwqsAwewq waLawidE wiQqtiBAduagawi wenqme bArugada BinAWateve. mi dAwirA vanI 62Disemqbar 4002 ge sunAmI wA guLigenq kurimativi Cokq tajuribA kuranqjehifaweve. wekamaku minsqTqrI wofq TUrizamAwi rizOTq tawq guLigenq degotewqnuvA


waharI ripOTq

8585858585

2004

8walqfAMilq QAsimq wibqrAhImq9walqfAAMilq Wabqdulq bArI muHanqmadu01walqfAMilq wibqrAhImq muwqYalibu

wekqTinqg cIfq wegqzekqTivq wofisar wewqge gotunq jUnq 3002 nq feSigenq bEnqku vagutIgotunq hinqgavamuanq genqdevi mOlqDivqsq maniTarI wotOriTIge DepiwuTImenEjinqg DirekqTar walqfAMilq Wabqdulq GafUrakI wewirumagAmuge Hawisiwqyatunq bODuge DirekqTarekeve.

rAwqjewinq bErunq genawi wA jeneralq menEjaar wadi cIfq wegqzekeTivq wofisar misq serInq hO wowi kuwenqq bEnqkA 72 jenuwarI 4002 gawi guLivaDawigatumAweku magAmuge Hawisiwqyatunq bODugawi hunqnavA DirekqTaru kamA wEnA HavAluvewqjeweve. wEnAwakI kunqfunIge sekqreTarI vesq meweve.

bEnqkuge hinqgA gavAwiduge 10-14 vana mAwqdAgawi bayAnqkoSqfawivA gotuge matInq bEnqkunq WamalukurA gaotA wewqgotqvAgotunq , bEnqkuge 12 vana waharI wAnqmujalqsA 4002 sepqTemqbar 80 gawi bAwqvanq hamajehemunq danikoSq 4002/ 5002 waSq bEnqkuge DirekqTarunqge bODaSq sarukArunq Wawqyanqkurewqvi7 DirekqTarunq tirIgawi wevanIweve.

1walqfAMilq wibqrAhImq zuhawiru ) bODuge cewarmanq (2Dr. waHqmadu CahIdu3waalqfAMilq Wabqduwq rawqzAQq widqrIsq4walqfAMilq muHanqmadu maniku5walqfAMilq muHanqmadu waHqmadu dIdI6walqfAMilA nAdiyA Hasanq7walqfAMilA wAminatu WalI maniku

bEnqkunq WamalukurA gotA wewqgotqvA gotauge matInq, 3002 vana waharu bEwqvi bEnqkuge 02 vana waharI wAnqmuu jalqsAgawi wAnqmu HiwqBAdArunq DirekqTarunqgebODaSq winqtiKAbukurawqvAfawivA tirIgawi danqnavAfawivA 3 DirekqTarunq 80 sepqTemqbar 4002 gawi bEwqvi 12 vaana waharI wAnqmu jalqsAgawi wisqtiWufAdewqviweve. wisqtiWufA dewqvAfawivA DirekqTaraku vesq waluunq winqtiKAbu kurevidAneweve.

walqfAMilq QAsimq wibqrAhImqwalqfAAMilq Wabqdulq bArI muHanqmaduwalqfAMilq wibqrAhImq muwqYalibu

bEnqkuge hinqgA gavAwiduge 20-14 vana mAwqdAagawi bayAnqkoSqfawivA gotuge matInq bEnqkunq WamalukurA gotA wewqgotqvAgotunq wAnqmu HiwqBAdArunq tirIgawidanqnavAfawivA 3 DirekqTarunq bODaSq winqtiKAbukurewqviweve.

walqfAMilA fAYimatu CIrInqwalqwusqtAJu waHqmadu HamqzAwalqfAMilq muHanqmadu WabqduwqsawqtAru

4002 vana waharu feSunu wiru DirekqTarunqge bODuge wegqzekeTivq komiTI wekulevigenqvanI tirIgawi danqnavAfawivA menqbarunqge mawqcaSeve.

walqfAMilq muHanqmadu waHqmadu dIdI) wegqzekeTivq komiTIge cewarmanq(walqfAMilA wAminatu WalI maniku) DirekqTar(walqfAMilA nAdiyA Hasanq) DirekqTar(walqfAMilq wibqrAhImq muwqYalibu) DirekqTar(


waharI ripOTq


8686868686

2004


fuLA KidqmatakaSq vumeve. telesImiwA balIgawi wuLE waLuganDumenqge kudInqnaSq hitqvarakaSq vumeve.

mOlqDivqsq telesImiwA sosawiTIge farAtunq telesImiwA seminar wewq bEwqvumaSq 4002 vana waharu bEnqkunq wehIvefawiveweve. ”wenamA bOTu“banqDunqjahAli kAariXA gawi gewqlunqvi wAwilAtakaSq wehIvumaSq huLuvAfawivA fanqDaSq fawisA wewqkurumaSq mAlEgawi kuLevunu fuTqbOLa mecqgawi kuLunu wewqTImqsqponqsar kurumuge furusatu 4002 mAcq gawi bEnqkunq hOdiweve.

62 Disemqbar 4002 gawi dekunu wECiwAge gina QawumutakaSq wawi sunAmI gawi gewqlunqvi farAtqtakaSq wehIvumaSq rAwqjEgawi sarukArAwi wamiwqlafarAtqtakunqkuramunqdiya masawqkataSq riWAyatqkoSq, bEnqkunq fALukuri hamqdarudIge ramqzewqge gotunq minisqTqrI wofq finEnqsq wenqDq TqreRarInq balahawqTavA sunAmI rilIfqfanqDaSq 4002 Disemqbar gawi bEnqkunq dEfuratama minqvarewqge gotunq 000,001 rufiyA hadiyA koSqfawiveweve.

21. mArkeTq kurumuge HarakAtqtawq 21. mArkeTq kurumuge HarakAtqtawq 21. mArkeTq kurumuge HarakAtqtawq 21. mArkeTq kurumuge HarakAtqtawq 21. mArkeTq kurumuge HarakAtqtawq

bEnqkuge mAkeTqkurumAwi pqromOCanq HarakAtqtawq 4002 vana waharu hinqgunI vesq bEnqkuge maQqBadu kamugawivA ”Qawumuge Kidumatuagawi“ kuriwaruvawi pqromOTqkurumaSq Kabaru faturA vasIlatqtakAwi hovAlevE wehenq vasIlatqtawq bEnunqkoSqgenq neve. bEnqkuge maQqBadauge binqgalakI kECq kADAwi kqreDiTq kADubEnunqkoSqgenq fawisA nugenqguLE mujqtamaWewq kuriweruvumeve.

kECq kADu bEnunqkoSqgenq powinqTq wofq sElq )pI wOwesq( winq kurA muWAmalAtutawq witurukurumuge maQqsadu gawi 4002 vana waharuge terEgawi kECq kADupqromOCanewq feSuneve. 51 wokqTObar 4002 winq 51 febqruwarI 5002 waSq, 4 masq duvahaSq hinqgi pqromOCanakI vesq nagudu fawisA madunqbEnunqkoSqgenq muWAmalAtukurA mujqtamaWakaSq hedumuSq bEnqkunq kurA masawqkatuge bawekeve.

4002 Disemqbar gawi bEnqkuge kqreDiTq kADu wifqtitAHq kurevumAweku, bEnqkuge wufewqdunqtakAwi Kidqmatqtawq fuLAdAwirAwewqgawi mAkeTq kurumugawi varaSq boDaSqmIDiwA danI bEnunqkurevemunqneve.

31. woDiTarunq Wawqyanq kurunq 31. woDiTarunq Wawqyanq kurunq 31. woDiTarunq Wawqyanq kurunq 31. woDiTarunq Wawqyanq kurunq 31. woDiTarunq Wawqyanq kurunq

bEnqkuge hinqgA gavAwiduge 87 vana mAwqdAgawivA gotuge matInq 80 sepqTemqbar 4002 gawi bEwqvi bEnqkuge 12 vana waharIi wAnqmu jalqsA gawi fAsqkuLaQarArakunq wemq/wesq pqrawisqvOTarhawuskUpArsq ) cArTaDq wekawunqaTenqaTq( pI.wO. bokqsq 42102, 30-20 devana fanqgifilA , wAge, boDutakurufAnumagu,mAle, divehirAwqje, bEnqkuge woDiTarewqge gotugawi Wawqyanqkurevuneve.

41. sarukArunq Wawqyanqkurewqvi DirekqTarunqnAwi wAqnqmu hiwqsAdArunq winqtiKAbukurewqvi DirekqTarunq 41. sarukArunq Wawqyanqkurewqvi DirekqTarunqnAwi wAqnqmu hiwqsAdArunq winqtiKAbukurewqvi DirekqTarunq 41. sarukArunq Wawqyanqkurewqvi DirekqTarunqnAwi wAqnqmu hiwqsAdArunq winqtiKAbukurewqvi DirekqTarunq 41. sarukArunq Wawqyanqkurewqvi DirekqTarunqnAwi wAqnqmu hiwqsAdArunq winqtiKAbukurewqvi DirekqTarunq 41. sarukArunq Wawqyanqkurewqvi DirekqTarunqnAwi wAqnqmu hiwqsAdArunq winqtiKAbukurewqvi DirekqTarunq

4002 vana waharu feSunI DirekqTarunqge bODugawi wanqnanivi menqbarunq tiwqbavawigenqneve.1walqfAMilq wibqrAhImq zuhawiru ) bODuge cewarmanq (2Dr. waHqmadu CahIdu3waalqfAMilq Wabqduwq rawqzAQq widqrIsq4walqfAMilq muHanqmadu maniku5walqfAMilq muHanqmadu waHqmadu dIdI6walqfAMilA nAdiya Hasanq7walqfAMilA wAminatu WalI maniku


waharI ripOTq

8787878787

2004

02winqTqroDakqCanq Tu yunikqsq sisqTamq4-51 wokqTObar 4002kolalamqpUru, melECiyAyunikqsq vewar sisqTamqweDqminisqTqrECnq 1 wenqDq 2)wesqsIwO yunikqsq woparECanq sisqTamq(

12wawiDI sisqTamq Tqrewininqg32-52 Disemqbar 4002kolomqbO, sqrIlanqkA

kasqTamar sarvisq wAwi sekiwuriTI wagukurumAawi viyafAriwaSq fawinEnqsq kurumAwi mawqsala dimAvA lOnuge kanqtawq belehewqTunq fada rongu rongunqbEnqkugawAwi rAwqjEgawi 4002 gawi hinqgi 02 tamqrInq pqrogqrAmewqgawi 782 vuvawqzafunq bawiveriviweve. 5002 gawi bEnqkinqg wAbehE QAnunI kanqtawqtakAbehE gotunq hinqgi tamqrInu kOsqtakugawi 92 muvawqzafunq bawiverivefawi veweve. hurihA kOhewqgawime kiyavawidIfawivanI bEnqkinqg wAwi QAnUnAwi wekawunqTinqgge ronqgugawi bawinalq waQqvAmI bEnqkAwii fArmqtakugawi masawqkatqkurA wisq mIhunqneve.

4002 mAcq 71 nq 81 waSq bEwqqvi watoLutakuagawi hingA gofitakuage menEjarunqgebawqdaluvumA dimAkoSq , sIniwar menEjqmanqTunq hamajawqsawidinq furusatewqgawibEnqkuge hurihA muvawqzafunq fEdUfinoLaSq daturu diyakanq fAhagakoSqleveweve. mi furuBatuagawimenEjqmanqTAwi muvawqzafunq wekaku wanekakaSq dasqve vaki farudunqge gotuga wAwiTImewqge gotugawi guLunq badahiviweve.

pqrofeCanalq tawulImAwi tamqrInq hAsilukoSqfawivA muvawqzafunqge madukanq wewI bEnqkaSqkurimativefawivA varaSq boDu mawqsalawekeve. mikamaSq hawqlewqa genawumaSAwi bEnqkugeKidqmatq rangaLukoSq kurimagugawi hurihA gotakunq bEnqku hinqgumugawi kurimativedAnegewqlunqtawq fUbewqdumuge gotunq bEnqkunq winqsAnI muwqsandikanq tarawqQIkoSqtamqrInukurumuge pqrogqrAmewq vanI tanqfIzukuranq faSAfaweve. mi denqnevi mAsqTarpqlEnqgaaawi himenE wenqme muhinqmu kamakI bEnqkugawi vazIfA wadAkurA muvawqzafunqnaSqsqkoTqlEnqDuge cArTaDq winqsqTiTiwuTq wofq bEnqkArsq ge pqrofeCanaalq wimqtiHAnugawibawiverivumaSq sqponqsar dinumeve. mIge wituraSq vazIfAgawi tibi mIhunqnaSqmedunukenDEgotugawi tamqrInudI bawinalq waQqvAmI mawidAnugawi bEnqkinqg ge dAwirAgawi taWArafqvA wAakanqtawqtakA fawihamavAgotewqgawi bEtiwqbunq himeneweve.


waharI ripOTq


devana jIlugawi bEnqkuge menejqmenqTAwi lIDarCipq HavAluvAne bayaku wufewqdumuge gotunq, bEnqkuge vazIfAtakaSq gqrejuwETunq vewqdumuge pqrogqrAmewq gavAwidunqtanqfIzukurevemunqdeweve. kurimagugawi bEnqku tarawqQIkurumuge masawqkataSq kOr TImewq menEjqmanqTq sqTAfunqge terewinq sIniyar menEjqmanqTunqfAhagakoSqfawiveweve. sIniwar menEjqmanqTAwi muvawqzafunqnA behE bawi ge farAtunq bEnqkuge kOr TImqge ”vazIfA wAwi magAmu kuriweruvumuge magu“ bEnqku gawikuriyaSqdAnegotq kurahawi magudawqkAneweve.

11. jamAWatuge Kidumatqqtawq 11. jamAWatuge Kidumatqqtawq 11. jamAWatuge Kidumatqqtawq 11. jamAWatuge Kidumatqqtawq 11. jamAWatuge Kidumatqqtawq

bEnqkunq 1002 vana waharu vanI telesImiwA waSq wehIvumuge fanqDewq wufawqdAfaweve. mi fanqDaSq fawisA balawigatumuge winqtizAmq bEnqku ge hurihAgofitakewqgawi hamajehifawi hurumuge wituraSq bEnqku dOnIgawivesq hamajehifawiveweve. bEnqkunq wunqmIdukurA gotugawi mi fanqDuge rawusqmAlu wekaSIgenqvA varaSqboDuve wEge winqTaresqTaSq libE fawisA hEdakoSqgenq telesImiwA balikudInqge furAna salAmatq kuruamaSq bOnqmerO badalukurunq fada kanqtawqtawq kurevE duvasqwanqnAneweve.

bEnqkunq mi fada muhinqmu wijqtimAWi kamewq feSunu kamaSqTakawi faKuruverivameve. waLuganDumenqge wunqmIdakI jamAwAtuge taruHIbA weku mi KidumatakI demigenqdA

8888888888

2004

4002 vana waharu rAwqjewinq bErugawi hinqgi tirIgawi bayAnqkoSqfawivA tamqrInq pqrogqrAmqtakugawi bEnqkunq bawiveriviweve.nanqbaru nanqbaru nanqbaru nanqbaru nanqbarukOhuge nanq kOhuge nanq kOhuge nanq kOhuge nanq kOhuge nanqmuwqdatu muwqdatu muwqdatu muwqdatu muwqdatuQawumu Qawumu Qawumu Qawumu Qawumu1visA memqbArsq mITinqg6 jenuwarI 4002kolomqbO, sqrIlanqkA2kqreDiTq kArDq woparECanqsq wekqwarinqg/11 - 22 jenuwarI 4002komqbEnqkq kADq senqTar

mArcenqTq hEnqDqlinqgq, rIkonqsiliwECanqkomArCalq bEnqkq wofq silOnq lTDwenqDq seTqlqmanqTqkolomqbO, sqrIlanqkAA

3DebiTq kADu, wekawunqTinqg wenqDq rikonqsiliwECanq8-21 febqruwarI 4002komqbEnqkq kADq senqTarkomArCalq bEnqkq wofq silOnq lTDkolomqbO, sqrIlanqkAA

4vArkqCopq winq mAsqTar kADq, jIsIwemqwesq,9 mArcq 4002munqbAwi, winqDiwAwawipIwemq rikonqsiliwECanq

5wilevenqtq wenuwalq wECiwA bEnqkinqg fOramq51-61 wEpqrIlq 4002munqbAwi, winqDiwA6fayar vOlq Tqrewininqg51-81 wEpqrIlq 4002kolomqbO, sqrI lanqkA7visA woparECanaq Tekqnikalq komeTI mITinqg02 wEpqrIlq 4002kolomqbO, sqrI lanqkA8wEwesq/004 sisqTamq weDqminisqTqrECanq01-41 mewi 4002kolalamqfOr, melECiyA

wenqDq konqTqrOlq )wawibIwemq wawisIrIzqweDqminisqTqrECanq Tqrewininqg

9kqreDiTq biwurO DivelopqmanqTq winq sawutq wECiyA01-11 mewi 4002kqreDiTq winqfomECanq biwurO,sqrIlanqkA

01”di wopOrcuniTI vitq cipq “ vArkqCopq wonq42-52 mewi 4002kolomqbO, sqrIlanqkAda bizqnasq woporcuniTIsq vicqkEnq bI DirawivqDq fqromq wIwemqvI sqmArTq kADq

11Tqrewininqg wonq kqreDiTq kADq wiCuwanqsq31-91 jUnq 4002komqbEnqkq kADu senqTarwinqkqlUDinqg bizqnasq wenqDq mArkeTingkomarCanq bEnqkq wofq silOnq lTD,sqTereTejIsqkolomqbO, sqrIlanqkA

21pqrogqrAmq wonq rIsqTqrakqcarinqg wenqDq12-62 jUnq 4002pUnA, winqDiwAsqTqrenqtaninqg rUralq fawinEnqsqCiwalqwinqsqTiTiwuCanq

31wesqwEwemqwIwE pqrODqkonqfarenqsq ”sarfinqg8-9 julawi 4002sinqgapUru da fqrODq vEvq“ wOganawizqDq bawi mAsqTar kADq

41seminar wonq kqreDiTarsq rawiTqsq61-02 wOgasqTq 4002kolomqbO, sqrIlanqkAwinq wimArjinqg wikonomIsqu

51visA wooparECanqsq/Tekqnikalq komiTI mITinqg81 wOgasqTq 4002kolomqbO, sqrIlanqkA61Tqrewininqg wonq rI-winqjiniwarinqg DisqpiwuTq91 wOgasqTq 4002kolomqbO, sqrIlanqkA

)wAruwIDI( wenqDq wilekqTqrOnikq kEsq fawilinqg71kOrsq wonq sqmOlq wenqTarpqrawizasq90 wOgasqTq - 10 wokqTObar 4002hawidaruwAbAdu, winqDiwA

fawinEnqsinqg wepqrOcasq wenqDq sqTeTajIsq81rI winqjiniwarinqg DisqpiwuTq61-71 sepqTemqbar 4002kolomqbO, sqrIlanqkA

)wAruwIDI( vArkqCo91wiyurOneTq sofqTqvewar kqlawinqTqsq wenuwalq91-22 sepqTemqbar 4002liTqlq rokq

piwar wekqsqcEnqjq )wIwesqsIwEpIwI(wAkanqsasq, yUwesqwEwemqbasI suwiTqsq hoTelq, liTqlq rokq


waharI ripOTq

8989898989

2004

4002 Disemqbar 91 gawi bEnqkq wofq mOlqDivqsq wemerikanq wekqsqpqresq kqreDiTqkADAwi gOlqDq kqreDiTq kADu wifqtitAHqkurumaSq bEwqvi HafqlA gawirawIsulq jumqhUriwqyA walqwusqtAJu mawumUnu Wabqdulq QawqyUmq wekADutawq wifqtitAHukoSqdewqvikamI bEnqkaSq libunu Carafekeve. miwI rAwqjEgawi haQIQI kqreDiTqkADewq furatama faharaSq dUkurevunu dUkurevunqkanq faKuruverikamAweku bEnqkunq fAhagakurameve. wehenqme miwI rAwqjEge fawisA, rufiyA, winq dUkurevunu furatama kqreDiTqkADu vesq meweeve.

bEnqkuge kasqTamarunqnaSq KiyArukuurumuge magu tanavasqkoSqdinumakI bEnqku bEnunqvA kamekeve. migotunq 5002 wEpqrIlq gawi vIsA kqreDiTq kADAwi DebiTq kADudUkuranq feSuneve.

4002 Disemqbaru 62 gawi rAwqjewaSq kurimativi sunAmIge Cokqgawi tibi namavesq divehInq wemerikanq wekqsqpqresq wAwi vIsA kqreDiTqkADaSq dE taruHIbuvaraSq boDeve. wadi bEnqkuge kqreDiTq kADaSq wedE minqvarAwi CawuQu varaSq rangaLukanq fAhagakureveweve. 5002 wEpqrIlq 03 ge niyalaSq bEnqkaunq 0432kqreDiTq kADu dUkurevifawiveweve.

viyafArIgawi warAtibi kasqTamarunqnaSq kOparETq kADAwi pqleTinamq kADu 5002 gawi dUkuranq feSumuge rEvunqtawq danI kuriwaSeve.

bEnqkuge boDeti kasqTamarunqge fawisA belehewqTumaSAwi vagutunq vagutaSq wonqlawinqkoSq bEnqkinqg Kidumatq bEnunqvA kasqTamarunqnaSq kawiri kurimagewqgawiwinqTarneTq bEnqkinqge Kidumatq feSumakI bEnqkuge maQqBadekeve. 4002 vana waharu feSunu winqTarneTq bEnqkinqg maCqrUWu mivagutu wisqkanqdevifawivA kqreDiTqkADu maCqrUWAweku danI kuriwaSeve. bawinalq waQqvAmI vebqge maCqhUrukamAweku winqTarneTq bEnqkinqgge Kidumatq libunq vegenqdAnI zamAnI wadi fasEha bEnqkinqgge wA wusqminakaSq miQawumu giwar kurunqkamugaweve.

01. winqsAnI muwqsandikamAwi tamqrInu dinunq 01. winqsAnI muwqsandikamAwi tamqrInu dinunq 01. winqsAnI muwqsandikamAwi tamqrInu dinunq 01. winqsAnI muwqsandikamAwi tamqrInu dinunq 01. winqsAnI muwqsandikamAwi tamqrInu dinunq

bEnqku hinqgawi wadi vazIfA wadAkurumaSq bEnqkugaawi tibI kamaSq kamEhitA pqrofeCanalunqge TImekeve. bEnqkugawi vazIfA wadAkurA muvawqzafunqge wadadu waharuterEgawi0.7 winqsawqta wituruve waharu nimunu wiru 633 )181 wanqhenq wadi 551 firihenq( waSq warAfawiveweve.

”gqrUpq helqtq winqCuwarenqsq sqkImq for sqTAfq“ ge namugawi3002 sepqqTemqbarunq feSigenq muvawqzafunqge helqtq winqCUrenqsqsqkImewq hinqgeweve. wadi bEnqkugawi vazIfA wadAkurA konqme muvawqzafakaSqfawisA lawigenqbawiverivevE bEnqkuge ”sqTAfq pqroviDenqTq fanqDq“6891 jenuwarI winq feSigenq hingamunq webadeweve.

vAdaverikanq wituruvamunqdA bEnqkinqg veSIgawi wenqme furihamakasqTamar sarvisq dEnqjehE wiru bEnqkuge winqsAnImuwqsandikamakI bEnqkaunq vazanq kurAgotugawi wenqme wagu boDuweseTeeve. muvawqzafunqge hunaruverikamAwi pqrofeCanalq wefiCenqsIwituru kurevEnI vazIfAge tamqrInAwi kiyevumunqneve. bEnqkaSq walaSqvanqna konqme muvawqzafakuvesq winqDakqCanq TqrEninqg )vazIfAwaSqwahuluverikurumuge tamqrInq( furihama kuranqjehEneweve.

waharI ripOTq


bEnqkugawi bEwqvunu muvawqzafunq tamqrInqkurumuge seCanewq

9090909090

2004

kamAweku muwqdatugawi dewqkevumuge fasEhakanq vanI tanavasq koSqdevifaweve.

huLumAlEgawi diriwuLE mIhunqge pqropaTI lOnq wekawunqTA guLigenq dawqkanqjehE fawisA bEnqkuge konqme gotqpakunqvesq balawiganevE gotaSq hedumaSq, 3002 gawibEnqkA huLumAlE DivelopqmanqTq yuniTA demedu wegqrImenqTqgawi vanI sowikoSqfaweve.

bEnqkaSq vIsA wAwi vIsA pqlasqge bEnqku menqbarukamAwi mAsqTarkADuge pqrinqsipalq menqbaru kamAwi mAsqTarkADAwi mawesqTqrO wAwi sirasq bqrEnqDqgelawisanqsqvanI 2002 gawihOdAfaweve.

bEnqkuge kqreDiTq kADu maCqrUWugawi himenE tinq fiyavahIgeterewinq furatama fiyavahi hinqganq feSI 3002 wokqTObargaweve. vIsA/mAsqTarkADunq fawisA negEnegotqhamajehunI 91 febqruwarI 4002 gaweve. migotunq bawinalqwaQqvAmI kqreDiTq kADuge terEgawi himenE vIsA/mAsqTarkADuge bqrEnqDqtawq bEnunqkoSqgenq bEnqkuge wETIwemqtakunq fawisA negumuge wituraSq bEnqkuge powinqTq wofqsElq )pIwOwesq( winq Kidumatq libEneweve.

4002 mewi gawi maCqhUru kADu kunqfuni wemerikanqwekqsqpqresq wAweku wefarAtuge hurihA vawqtarewqge kADudUkoSq kADaSq fawisAge muWAmalAtu kurevEgotq hedumugeKAwqBa wegqrImenqTewq bEnqkunq vanI koSqfaweve.


waharI ripOTq

bawinalqwaQqvAmI kqreDiTq kADu QabUlukuranq feSunq fAhaga kuranq 42 mArcq 4002 gawi bEwqvunu rasqmiwqyAtu.

bEnqkq wofq mOlqDivqsq wemerikanq wekqsqpqresq kqreDiTq kADu rawIsulqjumqhUriwqyA walqwusqtAJu mawumUnq Wabudulq QawqyUmq 91 Disemqbar 4002 gawi wifqtitAHq koSqdewqvunq

9191919191

2004

mibayAnqkurevunu watoLu gofitakuge wituraSq mAlEgawi hunqna DivelopqmanqTq bEnqkinqg selq )DIbIsI( winq medurAwqje terEge tinq watoLukamaSqvA k.watoLAwi ww. wadiwd.watoLuge mIhunq diriwuLE 62 raSewqge jumqla wAbAdIkamaSqvA 597,62 )bOhimenunq 0002( mIhunqnaSq tarawqgIge bEnqkinqg ge Kidumatq fOrukoSqdeveweve.

4002 vana waharu nimunu wiru watoLu gofitakuge DipoziTq 619 miliyanq rufiyA waSq warAfawivA wiru, 3002 vana waharu nimunu wiru miwadadu hurI 334 miliyanqrufiyAgaweve. watoLu gofitakAwi mAlEge DIbIsI ge vaki vaki lOnuge wadadu 510,11 winq 657,31 waSq 4002 nimunu wiru warawifiweve. lOnugawi himenE fawisAgewadaduge jumqla 3002 vana waharu nimunu wiru 012 miliyanq rufiyA kamugawi wovefawi, 4002 vana waharu nimunu wiru miwadadu vanI 003 miliyanq rufiyAwaSqmativefaweve. 4002 vana waharuge terEgawi vesq lOnu dUkurumugawi boDaSq belI mimaCqrUWu wamAzukurevE farAtqtakaSq kudi lOnu dinumuge mawqcaSeve.

watoLutakuge bEnqkinqgnAwi kurinq bayAnqkuri maCqrUWutawq guLuvawigenq hinqgumuge bEnumakI bEnqkunq KidumatqdevE jamAWatqtakuge diriwuLumuge fenqvaru matikurumaSqwAmqdanI libE masawqkatewq watoLutakugawi kuruvumeve.

5002 vana waharu DivelopqmanqTq bEnqkinqg selqge wamalI masawqkatakaSqvAnI watoLutawq wArAsqtukoSq diriwuLunq hOdawidinumaSq tarawqQIwaSq fawisAdEfarAtqtakuge vasIlatqtawq wewqkurumeeve. 5002 mAcq gawi minisqTqrI wofq finEnqsq wenqDq TqreRarIge farAtunq vanI raSqraSuge diriwuLumuge HAlatu rangaLukurumaSqhinqgA tarawqQIge pqrogqrAmqtakuge fanqDq hinqgawi balahawqTA farAtqtakaSq bEnqku Wawqyanq kurawqvAfaweve. mikamaSq bEruge wehIdE farAtqtakunq dE fawisA sarukArunqbEnqkA havAlukurawqvawigenq sunAmIgawi gewqlunq libunu watoLutakuge rawqyitunqge diriwuLunq wArAsqtukurumaSq bEnunqvA fawisA luwi gotewqgawi dUkurevemunq deweve.

9. wilekqTqrOnikq bEnqkinqg wAwi kADu senqTar 9. wilekqTqrOnikq bEnqkinqg wAwi kADu senqTar 9. wilekqTqrOnikq bEnqkinqg wAwi kADu senqTar 9. wilekqTqrOnikq bEnqkinqg wAwi kADu senqTar 9. wilekqTqrOnikq bEnqkinqg wAwi kADu senqTar

bEnqkunq varaSq muhinqmu fiyavaLutakewq waLawigenq wilekqTqrOnikq bEnqkinqg wAwi kqreDiTq kADAwi DebiTq kADuge Kidumatq rAwqjEge mIhunq diriwuLE 002 raSugawidiriwuLE mIhunq ge terEgawi himenE bEnqkuge kasqTamarunqnAwi TUrisqTq rizOTqtakugawi masawqkatqkurA bEnqkuge kasqTamarunqnA hamayaSq vanI fOrukoSqdevifaweve.rAwqjEge QawumI bEnqkuge Hawisiwqyatunq, bEnqkq wofq mOlqDivqsq plk winq wisqnagawigenq webEnqkuge woparECanqtawq mIgewaharutakewq kurInq vanI komqpiwuTarmeduverikoSq kurevEgotaSq badalukoSqfaweve. mIge furatama fiyavaLutawq 5991 gawi weLumaSqfahu, bEnqkunq mizamAnuge pqrofeCanalaq bEnqkinqg pekejewq 9991 gawibEnaunqkuranq faSawi wEge dewaharewqfahunq hurihA wekawunqTq takewq ”wonqlawinq“ nizAmakaSq vanI badalukoSqfaweve. bEnqkuge sawizAwi woparECanaSq balAwiru mikamaSqwinqvesqTq kuranqjehE minqvaru boDunamavesq bEnqkunq vasIlatq hEdakurumugawi ladugane fasqnujeheweve.

wenqme fahuge TekqnOlojIge pqleTqfOmakaSq winqvesqTq kurumaSqfahu, wiQqtiBAduge hurihA dAwirAtakakaSq wilekqTqrOnikq bEnqkinqg wAwi DebiTq kADAwi kqreDiTq kADugeKidumatq fOrukoSqdEnq bEnqkunq masawqkatq kureweve. hurihA gofitakewq ”wonqlawinq“ koSq guLAlAfawi vumuge sababunq bEnqkuge konqme gotqpakunq vesq kasqTamarunqnaSqfasEhakamAweku bEnunqvA muWAmalAtewq koSqlevidAneweve.

4002 vana waharu nimunuwiru 000,34 waSq vure gina kECq kADu vanI dUkurevifaweve.

waLuganDumenqge kADu genqguLuwqvAfarAtqtakunq woTomETeDq Telar meCinqtakuge fasEha genqdavanI hOwqdavamunqneve. bEnqkuge kECq kADuge maCqhUrukamAwibEnunqkurunq danI wabadu wituru vamunqneve.

kECq kADu genqguLuwqvAfarAtqtakunq bEnqkuge 01 wETIwemq winq fawisA nenqgevumuge witurunq powinqTq wofq sElq )pIwOwesq( ge Kidumatq libE 006 waSq vuregina tanakunq mudAgane Kidumatq hOwqdevidAneweve.

boDeti viyafAriveri kasqTamarunqge gotugawi himenE kunqfunitakuge bEnunqtakaSq wijAba dinumuge gotunq DawirekqTq DebiTq bilq dewqkumaSq nizAmewq QAwimukurumaSqbEnqkunq kamAbehE sofqTqvewar waSq winqvesqTq koSq wekanq vanI faSAfaweve. migotunq dirAgu, mAlE vOTar wenqDq sqvarEjq komqpenI )pvT( limiTeDq, sqTETqwilekqTqrikq komqpenI limiTeDq )sqTelqkO( wadi huLumAle DivelopqmanqTq yuniTq wAweku bEnqkunq DawirekqTq DebiTq wegqrImenqTq koSqfawivumAweku bEnqkugawi wekawunqTqwonqna wisqvedenqnevunufarAtqtakuge kasqTamarunqnaSq webEfuLunq ge bilqtawq kiyugawi nujehi cekewq nuliwuwqvawi nuvata nagudu fawisA nugenqguLuwqvawi fasEha

waharI ripOTq


9292929292

2004


7. viyafAri waSq fawisA dUkurumuge HarakAtqtawq 7. viyafAri waSq fawisA dUkurumuge HarakAtqtawq 7. viyafAri waSq fawisA dUkurumuge HarakAtqtawq 7. viyafAri waSq fawisA dUkurumuge HarakAtqtawq 7. viyafAri waSq fawisA dUkurumuge HarakAtqtawq

4002 vana waharu viyafAri wAwi kunqfuni hinqgumaSq fawisA bEnunqvA boDetiviyafAri hinqgA faraAtqtakaSAwi boDeti maCqrUWutawq hinqgumaSAwi bAzArugemedufanqtIge farAtqtakaSq dUkurA fawisA vanI varaSq boDaSq wituruvefaweve.

bEnqkunq dUkoSqfawivA lOnAwi weDqvAnqsq ge muLijumqlawinq 25 winqsawqta waSqvure wituru minqvarewq dUkurevifawivanI faturuverikamuge dAwirA waSeve. denq wenqmematI minqvarewq dUkoSqfawivanI viyafAriwaSeve. wewI 71 winqsawqtaweve. masqverikamugedAwirA waSq 11 winqsawqta dUkoSqfawiwotq wiru 8 winqsawqta dUkoSqfawivanIwimArAtqkurumuge dAwirAwaSeve. wufewqdunqteri kamuge dAwirA waSq 2 winqsawqtawaSq vure madu minqvarewq dUkurevifawivA wiru, danDuverikamuge dAwirA waSqdUkurevifawivanI 1 winqsawqta waSq vure daSq minqvarekeve. denq bAkI wotq 9winqsawqta dUkurevifawivanI wehenq bEnunqtakaSeve. bEnqkuge viyafAri kasqTamarunqnaSqbEnqkaunq fawisA dUkurumugawi genqguLE wusUlakI wefarAtewqge hurihA bEnunqtakakaSqfetE gotqtakewq hOdawidinumeve. muLi pekejqgawi wilekqTqrOnikq bEnqkinqg wAwikqreDiTq wAwi DebiTq kADuge KidumatAwi viyafAri kurAne mAliwqyatAwi, viyafAri wAwiKidumatqtakaSq bEnunqvA fawisA wAwi pqrojekqTq fawinEnqsq himeneweve.

8. tarawqQIge bEnqkinqg 8. tarawqQIge bEnqkinqg 8. tarawqQIge bEnqkinqg 8. tarawqQIge bEnqkinqg 8. tarawqQIge bEnqkinqg

tarawqgIge bEnqkinqggeharakAtqtakakI bEnqku hinqgumuge muhiwqmu bawekeve. watoLutakaSqbEnqkinqg ge Kidumatq dinumaSq 21 gofi huLuvifawiveweve. wadi mObawilq bEnqkinqggeKidumatq dinumaSq bandefawivA boDeti 5 dOni gofitakAwi mIhunq diriwuLE kanDaweLEraSqraSA demedu daturukoSq Kidumatq fOrukoSqdeweve. waharu nimunu wiru bEnqkugawitibi 633 muvawqzafunqge terewinq 921 muvawqzafunq nuvata 83 winqsawqtamuvawqzafunqnakI tarawqgIge bEnqkinqg dAwirA gawi rAwqjEge 02 watoLaSq KidumatqfOrukoSqdE muvawqzafunqneve.

weTolqsq kqreDiTq wenqDq DivelopqmanqTq bEnqkinqg pqrojekqTq gawi himenEwuturuge watoLutakAwi medurAwqjewinq l.watoLuge niyalaSq huri watoLutakAwi sadanqweTolqsq DivelopqmanqTq pqrojekqTq gawi himenE wenqme dekunuge hataru watoLukamugawivA gw, gd, N, wadi s. watoLu ge kanqtawq hinqgawi balahawqTanIbEnqkq wofq mOlqDivqsq ge DivelopqmanqTq bEnqkinqg HarakAtuge terewinqneve. mIgeterewinq furatama pqrojekqTq hinqganI winqTarnECanalq fanqDq for wegqrikalqcaralqDivelopqmanqTq )wifADq( winq digu muwqdatakaSq divehi sarukAru meduverivegenqnagAfawivA lOnu fawisA winqneve. devana pqrojekqTq hinqganI winqTarnECanalqfanqDq for wegqrikalqcaralq DivelopqmanqTq )wifADq( wAwi wOrganawizECanq wofqpeTqrOliwamq wekqsqpOrTinqg kanqTqrIzq )wOpekq( fanqDq for winqTarnECanalqDivelopqmanqTq winq digu muwqdatakaSq divehi sarukAru meduverivegenq nagAfawivAlOnu fawisA winqneve.


waharI ripOTq

kudi wadi medufanqtIge masawqkatq takaSq bEnqkuge DivelopqmenqTq bEnqkinqg selqwinq wehIvedE.

9393939393

2004

dinumAweku bEnqkuge mawiganDu maQqBadukamugawivA ”QawumaSq Kidumatugawi“ terewinq tafAtu wituru wufewqdunqtakAwi gofitakuge viwugafuLAkoSqgenqneve.

fawidA wekibawibayaSq behumuge kurinq, HiwqBAdArunqge fanqDqge jumqla vanI 3.833 miliyanq rufiyA waSq warAfaweve. miwI 3002 ge mAlI waharA waLawi balAwiru42 winqsawqtawige kuriwerumekeve. 4002 ge mAlI waharu nimunu wiru, mUnumatIge wagu 003 rufiyA magunq bEnqkunq viwqkAfawivA 027,121 wAdawige HiwqBAgeterewinq konqme HiwqBAwewqge fotuge wagu vanI 55.977,2 rufiyA waSq warAfaweve.

bEnqku vanI Disemqbar 4002 gawi mOlqDivqsq maniTarI wotOriTIge kepiTalq mArkeTq DivelopqmanqTq sekqCanuge rasqmI lisqTq gawi himenE ”lisqTeDq“kunqfunqNakaSq vefaweve. mOlqDivqsq maniTarI wotOriTInq sqTokq wekqsqcEnqje QAwimq kurewqvIwqsure bEnqkuge HiwqBA danI kepiTalq mArkeTqgawi vikemunqneve.

4002 vana waharaSq balAwiru mArkeTqgawi bEnqkuge HiwqBAwewq hurI -/067 rufiyA wAwi -/053,1 rufiyA wA demeduge wagewqgaweve. wadi weverejq wagakI 94/089 rufiyA weve. waharuterEgawi vikifawivanI 437 hiwqsA weve. 4002 Disemqbaru gawi wenqmefahunq vikunq bEnqkuge hiwqsA vikifawivA wagakI -/571,1


waharI ripOTq

DirekqTarunqge ripOTqrufiyA Seve.

kepiTalq weDikuwasI rECiwO hurI varaSq duLahewu minqvarewqkamugawivA 51 winqsawqtawigaweve. miwI mOlqDivqsq maniTarI wotOriTInq kanDawaLuwqvawigenq hunqnanqjehE wenqme kuDaminqvarukamaSqvA 8 winqsawqtawige gAtqganDakaSq deguna matI wadadekeve. bEnqkuge kOrkepiTalq rECiwO hurI 21 winqsawqta waSq vure matIgaweve. miwI mOlqDivqsq maniTarIwotOriTInq kanDa waLuwqvawigenq hunqnanqjehE wenqme kuDa minqvarukamaSqvA 4 winqsawqtawaSqvuretinq guna matI wadadekeve.

bEnqkuge kepiTalq weDikuwasI rECiwO gawi himenE de rECiwOkamugawivA Tawar 1 kOrkepiTalq rECiwO wAwi kepiTalqge jumqla )Tawar 1 wAwi Tawar 2 wewqkoSq( hurI duLaheyominqvarewqgawi kamugawi viyasq, wewadadutawq daSqvamunqdAkanq waLuganDumenq nOTukurameve.wewI mAboDufawidA libenivigotewqgawi hiwqsAdArunqge fanqDaSq mAmatI wadadutakewqlibidEnegotewqgawi lOnAwi weDqvAnqsq ge gotugawi kepiTalq bEnunqkurevemunq diwumAwekuweve.

jumqla weseTunq libunu minqvaru 3002 gawi wotq gAtqgaDakaSq 6.1 winqsawqtawinq 3winqsawqta waSq wituruvi wiru, hiwqsAdArunqge fanqDuge weverejunq libunu natIjA wakI1.52 winqsawqtaweve. )wewI 3002 gawi 7.9 winqsawqta wotumaSqfahugaweve.(

4002 vana waharu hiwqsA wakaSq jehunu fawidA wituruve 99.926 rufiyA waSq weriwiru 3002 vana waharu mi wadadakI 51.702 rufiyA weve.

6. gofitakuge viwuga 6. gofitakuge viwuga 6. gofitakuge viwuga 6. gofitakuge viwuga 6. gofitakuge viwuga

4002 vana waharu bEnqkunqhinqgI 71 gotqpeve. bEnqkuge 81 vaana gofi huLumAlEgawi huLuvI , 30 wEpqrIlq 5002 gaweve. 3002 vana waharu walaSq huLuvi3 gofIge terewinq wewqgofi fiyavawi bEnqkuge hurihA gotqpakunq vesq 4002 vana waharu nimunu wiru fawidAveweve.

9494949494

2004



muvawqzafunqnaSq hingA Karadu 85 winqsawqta wituruuvI muvawqzafunqge wadadu wituruvumunqneve. 13 Disemqbar 3002 gawi tibi muvawqzafunqgewadadu 513 winq 13 Disemqbar 4002 gawi vanI 633 waSq warAfaweve. miwI 4002 gawi kADu senqTarge viyafAri haluvivumAwi lOnuge gotunqdUkurevifawivA minqvaru wituruvumAwi libidAne gewqlumakunq rawqkAterivumuge fiyavaLewqge gotunq kqreDiTq DipATqmanqTAwi winqsqpekqCanq DipATqmanqTaSqwituru pqrofeCanalq muvawqzafunq hOdumunqneve.

3002 vana waharu fawidAwinq muvawqzafakaSq jehunu 20.440,08 rufiyA winq 4002 vana waharu fawidAwinq muvawqzafakaSq jehunu wadadu vanI40.322,822 rufiyA waSq wituruvefaweve.

kqreDiTq kADuge Karadu 4002 gawi wituruve 703,719,5 rufiyA waSq weri wiru miKaradaSq 3002 gawi hingAfawivanI 914,354,1 rufiyAweve.wewI kqreDiTq kADuge maCqrUWu hinqgunq haluwikurevi wemerikanq wekqsqpqresq, vIsA wadi mAsqTar kADuge muWAmalAtutawq feSumunqneve. wadi furatamafaharaSq rAwqjEgawi wemerikanq wekqsqpqresq wAwi vIsA kADu dUkurumuge viyafAri feSumunqmeweve.

wufewqdunqteri nUnq weseTqge terEgawi himenifawivA lOnAwi bilq wofq wekqsqcEnqjq 72 winqsawqta wituruve 3002 gawi wotq 182,788,591rufiyA winq 4002 gawi 083,507,942 rufiyA waSq warAfawiveweve.

4002 Disemqbar 13 ge niyaalaSq dUkurevifawiwotq 176,41 lOnuge terewinq gAtqganDakaSq 89 winqsaawqta wakI wAdawige lOnuge gotugawi belevElOneve. bAkI wotq wanewq 2 winqsawqta belevenI mOlqDivqsq maniTarI wotOriTIge gavAwidA wewqgotqvA gotuge matinq wufewqdunqteri nUnq weseTqgewekibawitakugawi himenE wewqcewqge gotugaweve. wufewqdunq teri nUnq weseTege terEgawi himenE mi 2 winqsawqta nisqbatq vanI lOnuge gotugawidUkurevifawivA fawisAge 01 winqsawqtawaSeve. lOnuge gotugawi dUkurevifawivA fawisAge 09 winqsawqta wakI wAdawige lOnuge gotugawi belevE lOneve.

5. mAlI wusqwalitawq 5. mAlI wusqwalitawq 5. mAlI wusqwalitawq 5. mAlI wusqwalitawq 5. mAlI wusqwalitawq

muLi divehirAwqje siwqsuvAli 4002 Disemqbar 62 ge sunAmI wA wekuvesq, bEnqku danI hitqhamajehE fada minqvarewqgawi kuriwaramunqneve. wehenqmekasqTamarunqnaaSq fuLAdAwirAwewqgawi viyafArIge Kidumatq dinumugawi harakAtqterivamunqneve.


waharI ripOTq

fawidA libenivi viyafAriwAdimAwaSq wamAzukurevifawivumAweku, viyafAri waSq mAlI wehIterikanqdinumuge gotunq mitanuge wimqpOTarunqnAwi wekqsqpOTarunqnAweku kurevunu muWAmalAtu 58winqsawqta waSq wituruve 6.6 biliyanq rufiyA waSq warAfawiveweve. )3002 gawi miwadaduwotI 6.3 biliyanq rufiyA gaweve.(

bEnqkuge weseTqge jumqla 14 winqsawqta wituruve 3.3 biliyanq rufiyA waSq 13Disemqbar 4002 ge niyalaSq warAfawiveweve. wewI 3002 Disemqbar 13 ge niyalaSqmiwadadu 3.2 biliyanq rufiyA kamugawi wovefaweve.

lOnAwi weDqvAnqsq 17 winqsawqta wituruve 8.1 biliyanq rufiyA waSq warAfawivA wiru,kasqTamarunqge DipoziTq 44 winqsawqta wituruve 8.2 biliyanq rufiyA waSq warAfawiveweve.DipoziTq ge nisqbatunq devifawivA lOnuge minqvaru fudEvarakaSq rangaLuve 13 Disemqbar3002 gawi huri 55 winqsawqtawinq 66 winqsawqtawaSq 13 Disemqbar 4002 gawibadaluvefawiveweve. lOnAwi weDqvAnqsq wituruvefawivanI varaSq boDaSq balawigenq mArkeTqkurevigenq bEnqkinqg ge hurihA bawitakewq guLuvawigenqneve. wegotunq viyafAri waSq dUkurevunumAliwqyatAwi lOnAwi wilekqTqrOnikq bEnqkinqg wAwi kqreDiTq kADu viyafAri wamAzukurevunI wenqmematI fanqtIge kasqTamarunqnaSeve. mikanq hAsilukurI rangaLu Kidumatq kasqTamarunqnaSq

9595959595

2004

4. hinqgumuge natIjA 4. hinqgumuge natIjA 4. hinqgumuge natIjA 4. hinqgumuge natIjA 4. hinqgumuge natIjA

bEnqkuge 4002 ge mAlI waharu fawidAge Tekqsq kenDumuge kurinq wotq fawidA wakI 755,667,201 rufiyA kamugawivI wiru, 3002 vana waharuge miwadadakI781,217,73 rufiyA weve. miwI kurI waharA waLawibalAwiru 371 winqsawqta wituru wadadekeve. 4002 vana waharuge sAfu fawidA 402 winqsawqta wituruve349,286,67 rufiyA waSq warAfawivAwiru wewadadu 3002 gawi wotI 768,312,52 rufiyA kamugaweve.

jumqla wAmqdanI 34 winqsawqta wituruve 8.002 miliyanq rufiyA winq 6.682 miliyanq rufiyA waSq weriwiru jumqla Karadu 31 winqsawqta wituruve1.361 miliyanq rufiyA winq 8.381 miliyanq rufiyAwaSq weriweve.

yagInqkamewqnetq wadi nulibEne kamaSq belevE daranqNaSq vaki wekawunqTqtakakunq vaki pqroviRanqge gotugawi 740,277,53 rufiyA behewqTumugewituraSq, wAnqmu pqroviRanewqge gotugawi 747,592,6 rufiyA miwaharu wewqfarAtewqgawi behewqTifawiveweve. rawqkAterikamuge fiyavaLewqge gotugawi mIgewaharutakewq kurIwqsuretarawqQIge bEnqkinqg selqwA guLifawivA gofitakunq dUkoSqfawivA konqme lOnakaSq wAnqmu pqroviRanewqge gotugawi 1 winqsawqtabehewqTeweve. wekamaku mifada rawqkAterikamuge fiyavaLewqge gotugawi mAlEgawi hingamunqdA gofitakunq dUkurevE konqme wAdawige lOnakaSq pqroviRanewq hadanqfeSifahunq miwI devaana wahareve. varaSq kuDa rETewq kamugawivA 52.0 winqsawqtaweve. 4002 ge mAlI waharu nimunu wiru lOnunq libE gewqlumaSqhedifawivA pqroviRanqge minqvaru 5.55 winqsawqta waSq mative 7.78 miliyanq rufiyA waSq warArAfawiveweve. 3002 vana waharu nimunu wiru miwadaduwotI 4.65 miliyanq rufiyA gaweve. 4002 vanawaharuge terEgawi wufewqdunqteri nUnq lOnAwi pqroviRanqge terewinq wanburAlibunu wadaduge jumqla8.01 miliyanq rufiyA wotq wiru 3002 vana waharu miwadadu wotI 9.7 miliyanq rufiyA kamugaweve.

winqTaresqTq wAmqdanI 1.54 miliyanq rufiyA waSq wituruvi wiru winqTaresqTq Karadunq 0.8 miliyanq rufiyA daSqviweve. mIge natIjAwewqge gotunqwinqTaresqTq wAmqdanIge sAfu jumqla 0.95 winqsawqta )1.35 miliyanq rufiyA( wituruve 413,781,341 rufiyA waSq weriweve.

kasqTamarunaSq winqTaresqTq devE DipoziTq 54 winqsawqta wituruve 3002 vana waharu nimunuwiru wotq 2.1 biliyanq rufiyA winq 8.1 biliwanqrufiyA waSq 4002 vana waharu warAfawivInamavesq, 3002 julawi winq feSigenq winqTaresqTaSq devE minqvaru daSqkurevifawivAtI kasqTamarunqgeDipoziTaSq 4002 vana waharu devunu winqTaresqTqge Karadu 51 winqsawqta vanI daSqvefaweve.

4002 vana waharu fIwAwi komiCanaSq libunu fawisAge minqvaru vanI 101winqsawqta wituruve 3002 vana waharu mikamaSq libunu 9.92 miliyanqrufiyA wAwi waLawibalAwiru 4002 vana waharu 9.95 miliyanq rufiyA waSqwarAfaweve. mawiganDu gotewqgawi mihenq dimAvI viyafAriwA guLEgotunq libunuwAmqdanI 58 winqsawqta wituruvumAwi walaSq biDqkurevunu 11 rizOTqge biDqbonqDu garanqTI konqdinumuge fIwaSq libunu fawisAwinqneve.

hinqgumuge Karadu 92 winq sawqta wituruve 7.99 miliyanq rufiyA winq5.821 miliyanq rufiyAwaSq warAfawiveweve. mIge terEgawi muvawqzafunqnaSq hingAKaradaSq boDu wadadewq kamugawivA 85 winqsawqta )8.21 miliyanq rufiyA(wituruve 272,368,43 miliyanq rufiyA waSq warAfawiveweve. miwadadu 3002gawi wotI 228,480,22 rufiyA kamugaweve. hinqgumuge Karadu wituruvi wehenqkanqtawqtakuge terEgawi hinqgumuge wehenihenq Karadutawq 68 winqsawqta wituruve3002 gawi Karaduvi 1.61 miliyanq rufiyA winq 9.92 miliyanq rufiyA waSqwarAfawiveweve. hinqgumuge wehenihenq Karadutakuge terEgawi himenenI wiCqtihArukurumAwi sofqTqvewar ge fenqvaru matikurumuge lawisanqsq KaradAwi gEkuwqyAwiliyekiyumuge sAmAnaSq hingi KaradAwi sunAmIge gewqlumA guLigenq hingi Karadeve.


waharI ripOTq


9696969696

2004


waharI ripOTq

hinqgumuge wuBUlutakAwi gotqtawq hamajewqsumugawi wOganawizECanqge taBawqvurAwi maQqBadutawq wekaSaweLumugawi bizqnasq pqlEnAwi mArkeTqkurAne gotqtawq wekaSaweLumugawi mIhunq binAkoSq tamqrInukurumuge pqlEnq tawqyArukurumugawi

tinq wesisqTenqTq jeneralq menEjarunqnaSq webEfuLunq masqwUlu vevaDawiganqnavanqjehE dAwirAtawq vanI kanDaweLifaweve. wewqbEfuLakaSq kqreDiTAwi mArkeTinqgweve. wanewqbEfuLakaSq bawinalqwaQqvAmI kanqtawqtakAwi kADu senqTareve. tinqvana bEfuLakaSq tarawqQIge bEnqkinqg wAwi widArI hinqgumeve. mawi wofIhugawi masawqkatqkurawqvADipATqmanqTqtakuge menEjarunqge 21 bEfuLunqnAwi 71 gofIge menEjarunq ripOTq kurawqvanI wesisqTenqTq jeneralq menEjarunqnaSeve.

wesisqTanqTq jeneralq menEjar, kqreDiTqge riyAsatuge daSunq ”kqreDiTq komiTI“ ge jalqsAtawq gavAwidunq bAwqvawi lOnaSqwedi huSahaLA huSaheLunqtakAbehE gotunqbEnqkuge lOnA behE siyAsatuge walIgawi maCqvarAkureveweve. lOnaSqwedi huSahaLA huSaheLunqtakuge terewinq tarawqQIge bEnqkinqgge daSunq huSaheLE 000,51rufiyAge luwilOnu fiyavawi hurihA lOnutakewq welOnewqge minqvarunq huwqdadewqvAne farAtakaSq genqdevenI ”kqreDiTq komiTI“ gawi maCqvarA kurumaSqfahugaweve.

4002 jenuwarI mahunq feSigenq cIfq wegqzekqTivq wofisarAwi 3 wesisqTenqTq jeneralq menEjarunqnAwi winisqpekqCanq DipATqmanqTqge menEjar dAwimImenqbarunqge gotugawi tiwqbavA ”weseTqsq wenqDq lawibiliTIzq komiTI“ )walqkO( gavAwidunq bawqdaluve fawisA HAlatutakuge mawqcaSAwi winqTaresqTq rETqgetafAtuge mawqcaSAwi lOnuge gewqlumAwi fawisA hOdumuge Karaduge mawqcaSq balamunq genqdeveweve.

4002 febqruwarI mahunq feSigenq menEjqmanqTq TImunq WawqyanqkurA menEjarunq himenE ”winovECanq komiTI“ wakunq masawqkatuge fenqvaru rangaLukurumAwiKaradutawq konqTqrOlqkurumAwi kasqTamarunqnaSq devE Kidqmatq rangaLukurumaSq fiyavaLu weLumaSq masawqkatqkuramunq deeweve.

wEpqrIlq 5002 nq feSigenq menejqmanqTq TImunq WawqyanqkurA menEjarunq himenE ”TqrewininqgkomiTI“ wewq wufawqdAfawiveweve. mikomiTIge masawqkatakI muvawqzafunqnaSq bEnunqvA tamqrInutawqdenegatumAwi tamqrInu pqrogqrAmqtawq winqtizAmqkurumeve. wadi tamqrInu pqrogqrAmqtakuge ”fIDqbekq“hOdawi hingamunqdA tamqrInu pqrogqrAmqtawq walunq wekulavAlumAwi walaSq vazIfAdevE muvawqzafunqnaSqhinqgA ”winqDakqCanq“ pqrogqrAmqtawq hinqgumakI vesq mikomiTIge kamekeve. wehenqme cATarDqwinqsqTiTiyuTq wofq bEnqkarsq winq sqkoTqlenqDq )sI.wawi.wO.bI.wesq( pqrogqrAmqgawibawiverivefawivA farAtqtakuge kiyevumugawi wehIterivunq vesq komiTIge masawqkatuge terEgawihimeneweve.

3. fawidA wAwi rizAvAwi bahanq kan 3. fawidA wAwi rizAvAwi bahanq kan 3. fawidA wAwi rizAvAwi bahanq kan 3. fawidA wAwi rizAvAwi bahanq kan 3. fawidA wAwi rizAvAwi bahanq kanDaweLifawidAAAAAAAAAAA DaweLifawidAAAAAAAAAAA DaweLifawidAAAAAAAAAAA DaweLifawidAAAAAAAAAAA DaweLifawidAAAAAAAAAAA

fawidAge Tekqsq kenDumuge kurinq bEnqkuge fawidAge gotugawi miwaharu libifawivanI755,667,201 rufiyA weve. viyafAri bEnqkutakuge fawidA winq Tekqsq negumuge QAnUnAwewqgotqvAgotuge matInq 4002 vana waharuge Tekqsq dewqkuamaSq 416,380,62 rufiyAbehewqTuneve. miwadadakI Tekqsq negE fawidA kamugawivA 755,667,201 rufiyA ge 52winqsawqtawige terewaSq Karaduge gotugawi himenE 579,193 rufiyA wewqkurumunq nukunqnawadadeve.

furihamawaSq wagu wadAkoSqfawivA 003 rufiyAge konqme HiwqBA wakaaSq 59 rufiyA bahanq DirekqTarunqge bODunq huSahaLuwqvaweve. wewI 3002 vana waharugeHiwqBAwakaSq behi 09 rufiyA waSq vure 5 rufiyA wituru wadadekeve. wehenqkamunq fawidAwinq bahawilevE minqvaruge wadadakI 004,365,11 rufiyA weve. bAkI wotq345,911,56 rufiyA wAnqmu rizAvaSq badalukurevEneweve. miwI hiwqsAdArunqge rawusqmAlu rawqkAterikoSq witurukurumaSq fawidAwinq baawewq nubahA behewqTumaSqbEnqkunq hinqgamunq wanqna siyAsatA wewqgotqvAgotuge matinqneve.

9797979797

2004

u uu uuHiwqBAdArunq HiwqBAdArunq HiwqBAdArunq HiwqBAdArunq HiwqBAdArunqHiwqBAge Wadadu rufiyA Wadadu HiwqBAge Wadadu rufiyA Wadadu HiwqBAge Wadadu rufiyA Wadadu HiwqBAge Wadadu rufiyA Wadadu HiwqBAge Wadadu rufiyA Wadaduwinqsawqta winqsawqta winqsawqta winqsawqta winqsawqtasarukAru770,26001,326,8115sqTETq TqrEDinqg wOganawizECanq plk680,6008,528,15mOlqDivqsq TqrAnqsqpOTq wenqDq konqTqrekqTinqg komqpenI plk680,6008,528,15sarukAru muvawqzafunqge pqroviDenqTq fanqDq559,01005,682,39rawqyitunqge wekawunqTqtawq *680,6008,528,15wAnqmunq034,03000,921,952jumqla027,121000,615,63001 * minisqTqrI wofq weTolqsq DivelopqmanqTq meduverikoSq raSqraSAwi watoLu rawqyitunqge wekawunqTqtakaSq ganefawivA hiwqsA

2. hinqgunq 2. hinqgunq 2. hinqgunq 2. hinqgunq 2. hinqgunq

4002 vana waharu feSunI bEnqku vagutI gotunq hinqgevumaSq wekqTinqg cIfq wegqzekqTivq wofisar wewqge gotugawi mOlqDivqsq maniTarI wotOriTIge DepiwuTImenejinqg DirekqTar walqfAMilq WabqdulqGafUru hunqnavawigenqneve.

1. rawusqmAluge wonigan 1. rawusqmAluge wonigan 1. rawusqmAluge wonigan 1. rawusqmAluge wonigan 1. rawusqmAluge woniganDu Du Du Du Du

huwqdakurevi wagu wadAkoSqfawivA HiwqBAge raawusqmAlaSq 4002 vanawaharu badalewq nAdeweve. miwI 8991 vana waharunq feSigenq mikanqhingAgotq vesq meweve. rawusqmAlu wituru kurumaSq hiwqsA viwqkanqbEnunqnuvI wagu wadAkoSqfawivA rawusqmAlAwi rizAvq maduvegenq hunqnanqjehEminqvaruge gotugawi mOlqDivqsq maniTarI wotOriTI winq bawinalqwaQqvAmIminqganDewqkamugawivA ”basqlE kepiTalq wekODq“ wA wewqgotqvAgotunqwanqgavAfawivA minqvaraSqvure mAboDaSq wituraSq hurumunqneve. namavesq bEnqkufuLAve dUkurevE lOnu wituruvumAweku bEnqkunq kurimagugawi wituru hiwqsAviwqkumaSq rEvifawiveweve. bEnqkuge huwqdakurevifawivA rawusqmAlaSq badalewqnawisq 000,000,003 rufiyAge minqvarugawi wotIweve. wadi dUkoSqwagu wadAkoSqfawivA rawusqmAluge gotugawi bEnqkugawi huri 000,615,63rufiyA hamawegotugawi 13 Disemqbar 4002 ge niyalaSq vesq hurIweve.

hiwqsA dArunq behifawivAgotq tirIgawi wevanIweve:

rAwqjewinq bErunq bEnqkaSq genawi bawinalqwaQqvAmI tajuribA libivaDawigenqfawivA wECiyApesifikqge sIniwar bEnqkarewqkamugawivA misq serInq hO wowi kuwenq bEnqkAguLivaDawigenq bEnqkuge jeneralq menEjar wadi cIfq wegqzekeTivq wofisar kamAHavAluvevaDawigatI jenuwarI 4002 gaweve.

jeneralq menEjar wadi cIfq wegqzekeTivq wofisar menEjqmanqTq TImaSq wanqnanivikanqkamugawi magudawqkavamunq genqdavaweve.

waharI ripOTq


sIniwar menEjqmanqTq TImqvAtunq kanAtaSq: jenaralqmenEjar wadi sIwIwO misq serInq hO wowi kuwenq wadi

wesisqTanqTq jenaralq menEjarunq kamugawivA walqfAMilA fAtimatu manike,walqfAMilA nAdiyA Hasanq wadi walqfAMilA WAwiCatu nUrawqdInq

9898989898

2004

bEnqkuge huwqdakurevifawivA rawusqmAlAwi dUkoSq wagu wadAkoSqfawivA rawusqmAlaSq vEtuve diya waharuge terEgawi badalewqnawisq mi dewadadume wotI 0.003miliyanq rufiyA wAwi 615.63 miliyanq rufiyA kamugaweve.

jumqla weseTq 14 winqsawqta wituruve 3002 vana waharu wotq 3.2 biliyanq ruriyA winq 3.3 biliyanq rufiyA waSq 4002 vana waharu warAfawiveweve. miwIbEnqkuge magAmuge varugada kamAwi waharu terEgawi demehewqTenivi gotewqgawi kuriwarAfawivA kamuge dalIlekeve.

4002-5002 waSq sarukArunq walunq Waawqyanq kurewqvi DirekqTarunqnaSAwi 80 sepqTemqbar 4002 gawi bEwqvunu 12 vana waharI wAnqmu jalqsAgawiwAnqmu hiwqsAdArunq DirekqTarunqge bODaSq howqvevi DirekqTarunqnaSq maruHabA denqnevumakI waLuganDaSq libE wufalekeve. DirekqTarunqge bODAwi menEjqmanqTunqwabaduvesq masawqkatqkuramunq migenqdanI bawinalq waQqvAmI gotunq wenqme rangaLaSq kanqtawqtawqkurA farAtqtakunq kanqkurA gotaSq balawigenq kunqfuni hinqgunqrangaLukoSq bawinalq waQqvAmI gotunq gabUlukurevE fenqvarautakewq HABilukurumaSeve.

DirekqTarunqge bODuge farAtunq waLuganDu, bEnqkuge jeneralq menEjar wadi cIfq wegqzekeTivq wofisar misq serInq hO wowi kuwenq kurawqvamunqgenqdavAmasawqkatq fAhagakoSq wEnAwaSq wiKqlABqterikamAweku Cukuru danqnavameve. wadi bEnqkuge sIniwar menEjqmanqTAwi muvawqzafunqge degotewqnuvA bura masawqkatAwekudemehewqTenivi gotakaSq kuriwaramunqdA muwawqsasAtakaSq bEnqku hewqdevumaSq kurawqvA masawqkatqtawq fAhagakoSq Cukuru danqnavameve.

faturuverikamaSq wituru raSqtawq tarawqQIvegenqdiyumAwi, wA watoLu takaSq faturuverikanq fuLAvevegenq diyumA weku vazIfAge furusatutawq wituruuve wEgeterewaSq gunavumugewasaru fOruvawidEne dAwirAtawqkamugawivA daturufaturAwi masqverikamAwi wimArAtqkurunq fuLAvA fuLAvumunq kawiri musqtaQqbalq wujAlA vAne kamaSq wunqmIdukureveweve

rAwqjEge mAlI dAwirA tarawqQI kurewqvumugawi genqguLuwqvA taBawqvuraSqTakawi, rawIsulqjumqhUriwqyA walqwusqtAJu mawumUnq Wabqdulq QawqyUmqge warihaSq bEnqkugeDirekqTarunqge bODuge farAtunq waLuganDu varaSq KAwqBa Cukurewq warisq kurameve. wadi bEnqkq wofq mOlqDivqsq wemerikanq wekqsqpqresq kqreDiTq kADuwifqtitAHqkurumaSq 4002 Disemqbar 91 gawi bEwqvi HafqlAgawi rawIsulqjumqhUriwqyA bawiverivaDawigenq dewqvawi we HafqlAgawi kADu wifqtitAhq koSqdewqvikamI waLuganDumenqnaSq libunu KAwqBa wufalakAwi Carafewqkamuagawi fAhaga kurameve. wadi waLuganDumenqnaSq magudewqkevumAweku dewqvA tAwIdaSqTakawi minisqTarwofq finEnqsq wenqDq TqreRarI wonarabqlq walqfAMilq muHanqqmadu jalIlaSq vesq Cukuru danqnavameve. DirekqTarunqge bODuge wenqmehA menqbarunq bEnqkaSAwicewarmanqge Hawisiwqqyatunq waLuganDaSq dewqvA tAwIdAwi wewqbArulewqvunq fAhagakoSq Cukuru danqnavameve. ninqmAlamunq, waLuganDu varaSq wufalAweku waLuganDumenqgehiwqsAdArunqnAwi kasqTamarunq bEnqkAmedu bahawqTavA gAtqkamA dewqvA witubAraSqTakawi wihqlAsqterikamAweku wefarAtqtakaSq Cukuru danqnavameve.

mAtq F ge tanavasq raHqmatqfuLAweku wabaduvesq bEnqkq wofq mOlqDivqsqwakI mAlI gotunqnAwi wijutimAWIgotunq QawumaSq bEnunqteri tanewqge gotugawi lahawqTavASiweve.

wibqrAhImq zuhawiruDirekqTaruunqge bODuge cewarmanq

92 mE 5002

cewarmanqge bayAnq

waharI ripOTq

9999999999

2004

ge wemerikanq wekqsqpqresq sqTEnqDarDq kADAwi gOlqDq kqreDiTq kADu divehirufiyAwaSq dUkuranq feSumunq we kADu bEnunqkoSqgenq rAwqjewAwi rAwqjEnq bErugawimuwAmalAtu kurumakI waLuuganDumenqge fawisA dawuruvumaSq libunu kuriwerumekeve. kqreDiTq kADu dUkuranq feSI rEvumAwi tawqyAruvumuge wetawq masawqkatakaSqfahugaweve. wadi bEnqkunq mifada zamAnI fasEhatawq kuriwaruvawi fawisA madunq dawuruvA mujqtamaWewq QAwimqkurumaSq masawqkatqkurevE kamaSqTakawi faKqruverivameve.mi KidqmataSq danI varaSq boDaSq taruHIbu libemunqneve.

bEnqkunq gabUlukurAgotugawi bEnqkuge kaasqTamarunaqnanq HawqQu vanI wenqme moLugoteve. wehenq kamunq rAwqjEge kuDakamaSq nuvata wAbAdIge madukamaSq belumewqneti, mAlImuwawqsaasAtakunq wefarAtqtakuge kasqTamarunqnanq dE wenqme moLu wufewqdunqtawq bEnqkunqmigenqdanI taWArafqkoSq tanqfIzukuramunqneve.

wEpqrIlq 5002 gawi vIsA kqreDiTq kADawi DebiTqkADu dUkuranq feSumAweku bEnqkuge farAtunq kasqTamarunqnaSq devE Kidumatuge dAwirA fuLAkurevi vAdaverikanqwiturukurevigenq diyaweve. wadi varaSq kurumuwqdatewqge terEgawi mAsqTarkADu dUkuranq feSEneweve.

62 Disemqbar 4002 ge sunAmI kArisAwakI rAwqjewaSq kurimativi Cokekeve. wehenqme gonqjehumewqvesq meweve. waLuganDumenq bEnqkq wofq mOlqDivqsqplk winq mikanq balawigatI waLuganDumenq QawumaSq demunqgenqdA Kidqmatq medukenDunanudI kaSavarukamAweku kuriwaSq genqdiyumakI waLuganDumenq wufulanqjehEQawumI vAjibewqgegotugaweve. waLuganDumenq nuhaunu boDaSq masawqkatqkurumAweku vesq bEnqkuge Kidqmatq wewqduvaahaSq medukanDAlanqjehuneve. sunAmIge wasaruboaDaSq kuri tanqtAngawi huri gofitakuge Kidqmatq furihamayaSq dinumaSq wetawqduvahewq hEdaviweve.

4002 vaana waharuge wenqme fahuge duvasqtakugawi viyafAriwaSq mi kurimativi datikamAwekuvesq, mAtq F ge tanaavasq raHumatAweku, 4002 vana waharuvegenq diyawI bEnqkq wofq mOlqDivqsq plk waSq varaSq kAmiyAbu waharewq kamugaweve.

hisAbu takaSq balAwiru, 3002 vana waharu nimunu wiru HiwqBAdArunqge fawisAge gotugawi huri 6.272 miliyanq rufiyA wituruvegenqgosq 4002 vana waharunimunu wiru 3.833 miliyanq rufiyA waSq warAfawivAkanq waLuganDu wufalAweku fAhagakurameve.

mOlqDivqsq maniTarI wotOriTIge gavAwidAwewqgotqvA gotuge matInq wufewqdunqteri nUnq weseTqtakaSq 4002 vana waharu boDu wadadewq pqroviRanqge gotugawibehewqTumaSqfahuvesq, Tekqsq negumuge kurinq wotq bEnqkuge fawidA 371 winqsawqta waSq wituruve 4002 vana waharu rekODu minqvarewqkamugawivA 8.201miliyanq rufiyA waaSq warAfawiveweve. 3002 vana waharA waLawibalAwiru miwadadu wotI 7.73 miliyanq rufiyAgaweeve. wewI wEge kurI waharaSq vurenq 2.61winqsawqta wituru minqvarekeve. kurI waharu bayAnqkurevifawivA fadawinq daranIge gewqlumaSq hadA pqroviRanq takakI bawinalq waQqvAmI gotunq wenqme rangaLaSqkanqtawqtawq kurA farAtqtakunq kanqkurA gotaSq baalawigenq rawqkAterivumuge gotunq waLAfiyavaLutakekeve. mIge wenqme boDu bEnumakaSq vefawi wonqnanI gewqlumewq vedAnehAlatewqgawi waharewqge fawidA mAboDukoSq bayAnq nukurumeve. bEnqku vanI kurimagugawi rangaLu fawidA dawqkawidevE fada maQAmewqgaweve. 4002 vana waharugeterEgawi wufewqdunqterinUnq lOnuge terewinq 8.01 miliyanq rufiyA hOdifawiveweve.

4002 vana waharu sAfufawidA varaSqboDaSq kuriwerumAweku wEge minqvarakI kurI waharuge wadadaSqvure 402 winqsawqta wituruvefawivA 7.67 miliyanqrufiyAweve. 3002 vana waharu we wadadu wotI 2.52 miliyanq rufiyAkamugaweve.

bEnqkq wofq mOlqDivqsq plk ge waharI ripOTAAwi 13 Disemqbar 4002 gawi nimunu waharuge mAlIhisAbutawqhuSaheLumakI waLuganDaSq libE varaSq boDu wufalekeve.

miwaharu bEnqkq wofq mOlqDivqsq plk ge kuriwerunq dawqkuvawidE wA wuusqminewq HABilukoSq, 4002 febqruwarI 91winq feSigenq bawinalqwaQqvAmI kqreDiTqkAADukamugawivA vIsA wAwi mAsqTarkADu bEnunqkoSqgenq kurevE muWAmalAtutawqbEnqkunq gabUlukuranq feSuneve.

bEnqkuge farAtunq kqreDiTq kADAwi DebiTqkADuge viyafArIge mi fiyavahi kAmiyAbukamAweku tanqfIzukurumaSq , bEnqkunq denqweLi fiyavaLakI rAwqjewaSq furatama haQIQI kqreDiTqkADu 4002 Disemqbar gawi wifqtitAHukurumeve. bEnqkq wofq mOlqDivqsq

walqfAMilq wibqrAhImq zuhawirucewarmanq

waharI ripOTq

cewarmanqge bayAnq

100100100100100

2004

DirekqTarunqge bODu

waharI ripOTq

DirekqTarunqge bODu

wiSIdegenq vAtunq kanAtaSq: walqfAMilq wibqrAhImq zuhawiru ) cewarmanq (, misq serInq hO wowi kuwenq )jenaralq menEjar wadi sIwIwO(, walqfAMilq muHanqmadumaniku, walqfAMilA wAminatu WalI maniku, walqfAMilq muHanqmadu wabqduwqq sawqtAru

koLaSq vAtunq kanAtaSq: walqfAMilq muHanqmadu waHqmadu dIdI, walqfAMilq wabqduwq rawqzAQq widurIsq, walqfAMilA fAYimatu CIrInq, Dr. waHqmadu CahIdu, walqfAMilAnAdiyA Hasanq, walqwusqtAJu waHqmadu HamqzA.

101101101101101

2004

kamaSq kamEhitA muvawqzafunq, fenqvaru rangaLaSq Kidumatq dIgenq waLuganDumenq kurihOdAnameve.waLuganDumenqge QAbiliwqyatu tanqdinq wenqme rangaLakaSq waLuganDumenq jamAWataSq KidumatqkurAnameve. tiyabEfuLunqge bEnunqtawq kanulA waDuwahawigenq waLuganDumenq tiya bEfuLunqge hitqpuLu hamajawqsawidEnameve.

bEnqkq wofq mOlqDivqsq - divehinqge bEnqkaSq vItI faKuruverivanq

waharI ripOTq

waLuganDumenqge tasawqvuru

102102102102102

2004

cnuvirevudet

cnuruk cmWritcHia

cnuruk utWlwsWvum cnunid ctwmudiK

cnuviretcnudcaefua

maQqBaduge bayAnq

waharI ripOTqQawumuge Kidumatugawi

103103103103103

2004

wungUfAru bqrAnqcq, r. wungUfArur. watoLu51684,41nawifaru bqrAnqcq, L. watoLun. watoLu72624,92

b watoLuL. watoLu

mulI bqrAnqcq, m. mulIv. watoLu72137,51m. watoLuf. watoLUd. watoLU

fonadU bqrAnqcq. l. fonadUt. watoLu52398,02l. watoLu

mi denqnevi gofitakuge wituraSq, mAlEgawi hunqna DivelopqmanqTq bEnqkinqg selqge farAtunq medurAwqjeterEge tinq watoLukamaSqvA mAle watoLAwi wari watoLu wuturuburiwAwi wariwatoLu dekunuburIge 62 raSewqgawi diriwuLE 597,62 mIhunqnaSq )bOhimenunq 0002( DivelopqmanqTq bEnqkinqg ge Kidumatq fOrukoSqdeveweve.

sadanq weTolqsq DivelopqmanqTq pqrojekqTq )wesqwEDIpI( ge daSunq KidumatqlibE gofitawq sadanq weTolqsq DivelopqmanqTq pqrojekqTq )wesqwEDIpI( ge daSunq KidumatqlibE gofitawq sadanq weTolqsq DivelopqmanqTq pqrojekqTq )wesqwEDIpI( ge daSunq KidumatqlibE gofitawq sadanq weTolqsq DivelopqmanqTq pqrojekqTq )wesqwEDIpI( ge daSunq KidumatqlibE gofitawq sadanq weTolqsq DivelopqmanqTq pqrojekqTq )wesqwEDIpI( ge daSunq KidumatqlibE gofitawq

gofIge nanq gofIge nanq gofIge nanq gofIge nanq gofIge nanqkavarukurA watoLu raSuge wadadu kavarukurA watoLu raSuge wadadu kavarukurA watoLu raSuge wadadu kavarukurA watoLu raSuge wadadu kavarukurA watoLu raSuge wadaduwAbAdI )bOhimenunq( wAbAdI )bOhimenunq( wAbAdI )bOhimenunq( wAbAdI )bOhimenunq( wAbAdI )bOhimenunq(vilingili bqrAnqcq, gw. vilingiligw. watoLU01 942,8tinadU bqrAnqcq, gd. tinadUgd. watoLu01 688,11fuvawqmulaku bqrAnqcq, N. fuvawqmulawqN. watoLu1 825,7huLumIdU bqrAnqcq, s. mIdUs. watoLu2 021,3ganq barAnqcq, s.ganqs..watoLu3 439,5hitadU bqrAnqcq, s. hitadUs. watoLu1 164,9

waharI ripOTq

maWulUmAtu

104104104104104

2004

62 jUnq 0991nawifaru bqrAnqcq, L. watoLu92 Disemqbar 1991kuLuduwqfuSi bqrAnqcq, hd. watoLu61 jenuwarI 3991fonadU bqrAnqcq, l. watoLu71 jenuwarI 4991hitadU bqrAnqcq, s. watoLu01 wokqTObar 4991mulI bqrAnqcq, m. watoLu03 wokqTObar 4991tinadU bqrAnqcq, gd. watoLu32 novemqbar 5991fuvawqmulaku bqrAnqcq, N. watoLu03 novemqbar 7991vilingili bqrAnqcq, gw. watoLu02 wogasqTq 8991mAlE winqTarnECanalq wewarpOTq bqrAnqcq, huLule11 mAcq1002diwqdU bqrAnqcq, hw. watoLu90 wokqTObar 3002vilimAle bqrAnqcq. mAle vilingili21 wokqTObar 3002huLumIdU bqrAnqcq, s. watoLu51 wokqTObar 3002wungUfAru bqrAnqcq, r. watoLu30 wEpqrIlq 5002huLumAle bqrAnqcq, huLumAle

rawIsulq jumqhUriwqyA walqwusqtAJu mawumUnq Wabqdulq QawqyUmq, 8 burIge bEnqkq wofq mOlqDivqsq WimArAtuge binqgA boDutakurufAnu magugawi wotq bEnqkuge gOtIgawi92 Disemqbar 7991 gawi waLuwqvawi dewqviweve. 72 jenuwarI 0002 gawi wemanikufAnu bEnqkuge wawu WimArAtq rasqmIgotunq huLuwqvawi dewqviweve. wadihama weduvahu bEnqkunq rAwqjewaSq walaSq taWArafu kuri bEnqkuge woTomETeDq Telar meCinqge Kidumatq Wiwqzatqteri rawIsulqjumqhUriwqyA fawqTavawi dewqviweve.

weTolqsq kqreDiTq wenqDq DivelopqmanqTqbEnqkinqg pqrojekqTq gawi himenE wuturugewatoLutakAwi medurAwqjeterewinq l. watoLu geniyalaSq huri watoLutakAwi, sadanq weTolqsqDivelopqmanqTq pqrojekqTq gawi himenE wenqmedekunuge hataru watoLukamugawivA gw, gd, N,wadi s. watoLuge kanqtawq hinqgawi balahawqTanIbEnqkq wofq mOlqDivqsq plk ge DivelopqmanqTqbEnqkinqg harakAtuge terewinqneve. mIge terewinqfuratama pqrojekqTq hinqganI winqTarnECanalqfanqDq for wegqrikalqcaralq DivelopqmanqTq)wifADq( winq digu muwqdatakaSq nagAfawivA lOnqfawisA winqneve. devana pqrojekqTq hinqganIwinqTarnECanalqq fanqDq for wegqrikalqcaralq

DivelopqmanqTq )wifADq( wAwi wOpekq fanqDq fOr winqTarnECanalq DivelopqmanqTq )wOpekq( winq digu muwqdatakaSq nagAfawivA lOnu fawisA winqneve. mifawisAhOwqdavawidewqvI divehi sarukAru meduverivevaDawigenqneve.

weTolqsq kqreDiTq wenqDq DivelopqmanqTq bEnqkinqg pqrojekqTq )wEsIDIbIpI( ge daSunq Kidumatq libE gofitawq weTolqsq kqreDiTq wenqDq DivelopqmanqTq bEnqkinqg pqrojekqTq )wEsIDIbIpI( ge daSunq Kidumatq libE gofitawq weTolqsq kqreDiTq wenqDq DivelopqmanqTq bEnqkinqg pqrojekqTq )wEsIDIbIpI( ge daSunq Kidumatq libE gofitawq weTolqsq kqreDiTq wenqDq DivelopqmanqTq bEnqkinqg pqrojekqTq )wEsIDIbIpI( ge daSunq Kidumatq libE gofitawq weTolqsq kqreDiTq wenqDq DivelopqmanqTq bEnqkinqg pqrojekqTq )wEsIDIbIpI( ge daSunq Kidumatq libE gofitawq

gofIge nanq gofIge nanq gofIge nanq gofIge nanq gofIge nanqkavarukurA watoLu kavarukurA watoLu kavarukurA watoLu kavarukurA watoLu kavarukurA watoLu raSuge wadadu raSuge wadadu raSuge wadadu raSuge wadadu raSuge wadaduwAbAdI )bOhimenunq( wAbAdI )bOhimenunq( wAbAdI )bOhimenunq( wAbAdI )bOhimenunq( wAbAdI )bOhimenunq(diwqdU bqrAnqcq, hw. diwqdUhw. watoLu61161,41kuLuduwqfuSI bqrAnqcq, hd. kuLuduwqfuSihd. watoLu23263,82

S. watoLu

bEnqkuge huLumAle bqrAnqcq 30 wEpqrIlq 5002 gawi minisqTar wofq finEnqsq wenqDq TqreRarI wonarabalq muHanqmadujalIlu huLuvawidewqvunq

maWulUmAtu

waharI ripOTq

105105105105105

2004

bEnqkq wofq mOlqDivqsq plk 11 novemqbar 2891 gawi wifqtitAHq koSqdewqvI rawIsulq jumqhUriwqyA walqwusqtAJu mawumUnq Wabqdulq QawqyUmeve. bEnqkuhinqgaanq faSawigatI sarukAruge wEjenqsItakAwi divehi kunqfunitawq himenEgotaSq divehi sarukAruge 06 winqsawqta hiwqsAwAwi winqTarnECanalq finEnqsqwenqDq winqvesqTqmanqTq komqpenI limiTeDq )fahunq wawi. wefq. wawi. sI bEnqkq limiTeDq(, DAkA, banqgqlAdECq , ge 04 winqsawqta hiwqsAvA jowinqTqvenqcar bEnqkewqge gotugaweve. bEnqku huLuvunIwqsure 13 Disemqbar 2991 ge niyalaSq bEnqku hinqgawidinI wawi. wefq. wawi. sI bEnqku limiTeDA demedukurevunu menEjqmanqTq konqTqrekqTewq ge daSunq wefarAtunqneve. mi konqTqrekqTq ge daSunq bEnqku hinqgAnE kamuge mAhirunq hOdawi harudanA binqgalewqge matIgawifaSawigatumuge masawqkatqkurI wawi. wefq. wawi. sI. bEnqku limiTeDunq, wefarAtaSq menEjqmanqTq fI wewqge gotugawi fawidAge 01 winqsawqta dIgenqneve.

bEnqkuge dihavana waharu, wawi, wefq, wawi. sI bEnqkA weku bEnqku hinqgumaSq vefawivA wewqbasqvumuge muwqdatu hamavumunq, wegqrImenqTq wAkoSq nudewqvawi bEnqkuwalunq winqtizAmq kurewqvumaSq divehisarukArunq ninqmeviweve. wehenqkamunq wawi. wefq. wawi. sI bEnqkaSq wekanq wanqgawi wefarAtuge hiwqsA kuDakoSq, wefarAtunqbODugawi tamqsIlu kurA wadadu madukurumaSq wedevuneve. natIjAwewqge gotunq, wawi.wefq.wawi. sI bEnqkunq ninqmI bEnqkuhinqgumaSq wefarAtA weku kurevifawivAwewqbasqvumuge muwqdatu hamavA tArIKu kamaSqvA 13 Disemqbar 2991 ge niyalaSq wefarAtAwi bEnqkA demedu wotq guLunq kanDAlawi bEnqkq wofq mOlqDivqsqgawiwotq wefarAtuge hiwqsA viwqkAlumaSeve.41 novemqbar 2991 gawi divehisarukArunq bEnqkq wofq mOlqDivqsq gawi wotq wawi.wefq. wawi. sI bEnqkq limiTeDq ge04 winqsawqta hiwqsA bawqlavawigateve. mihenqvumunq bEnqkq wofq mOlqDivqsqge hiwqqsAge rawusqmAlq ge 08 winqsawqta wakI divehisaruukArugemilqkewqkamaSq hamajawqsawi, rawusqmAluge bAkI wotq 02 winqsawqta hamayaSq debawikoSq wewqbawi sqTETq TqrEDinqg wOganawizECanaSq wanewqbawi mOlqDivqsqTqrAnqsqpOTq wenqDq konqTqrekqTinqg komqpenI waSq viwqkAlevuneve.

bEnqkuge rawusqmAlu witurukurumaSq Takawi wAnqmunqnaSq bEnqkuge hiwqsA viwqkevumaSq divehisarukArunq Disemqbar 2991 gawi ninqmeviweve.

1 jenuwarI 3991 winq feSigenq bEnqkq wofq mOlqDivqsq plk wakI divehirawqyitunqnAwi divehi sarukAruge wamiwqla bEnqkekeve.

bEnqkq wofq mOlqDivqsq plk winq 3991, 4991,5991,6991,7991 wadi 8991 gawi wAnqmunqnaSq hiwqsA viwqkAfawiveweve. mi gotaSq hiwqsAviiwqkumuge natIjA wewqge gotunq 2991 gawi bEnqkuge waguwadAkoSqfawivA rawusqmAlu ge gotugawi 5 miliyaanq rufiyA winq 8991 gawi 615.63 miliyanqrufiyAwaSq weriweve. 8991 ge fahunq wituraSq hiwqsAviwqkAfawinetumAweku, 4002 vana waharu nimunuwiruvesq bEnqkuge waguwadAkoSq fawivA rawusqmAlugegotugawi wotI 615.63 miliyanq rufiyAweve.

bEnqkuge mawiganDu viyafAri binAvefawi vanI viyafAri bEnqkinqg ge mawqcaSeve. wadi bEnqkuge farAtunq rAwqjEge hurihA watoLakaSq tarawqQIge bEnqkinqg geharakAtqtawq fOrukoSqdinumuge wituraSq, bEnqkq wofq mOlqDivqsq plk ge farAtunq ”wonq lawinq“ koSq muLinq komqpiwuTar viwugawewq bEnunq kurevEmAhawulewqgawi mizamAAnuge tafAtu bEnqkinqg Kidumatqtawq fOrukoSq demunq genqdiyumAweku , bEnqkq wofq mOlqDivqsq plk vanI faKuruverikamAweku wenqme kurIsafugawi QawumaSq Kidumatq kurA bEnqku kamaSq vefaweve.

mihAru bEnqkq wofq mOlqDivqsq plk ge 81 gofi webahuwqTeve. waSAra gofIge terewinq tinq gofi hurI verikanq kurA raSq, mAlEgaweve. wewq gofi hurI mAlEbawinalq waQqvAmI vawige bandaru )huLule( gaweve. 81vana gofihurI huLumAlEgaweve. wadi wanewqgofi hurI mAlE fasqvana wavaSq kamugawivA vilingilIgaweve. wanewqbAra gofi rAwqjEge watoLutakugawi kanDaweLifawivA saraHawqdu takakaSq Kidumatq kurA gotaSeve. wehenqkamunq muLi rAwqjewaSq bEnqkq wofq mOlqDivqsq plk winqKidumatq fOrukoSq deveweve. bEnqkq wofq mOlqDivqsq plk ge wofIsqtawq huLuvigenq diya tirIgawi vA tarutIbunq sIdA gotewqgawi bEnqku fuLAvegenq diyagotqdawqkuvawideweve.

32 mE 2891kunqfunqNewqge gotugawi minisqTqrI wofq hOmq wefewAzq gawi rajisqTqrI kurevunq01 novemqbar 2891bEnqkuge viyafAri hinqgumuge lawisanqsq mOlqDivqsq maniTarI wotOriTIwinq dewqvunq11 novemqbar 2891mawi gofi wadi mawi wofIsq , mAle10 Disemqbar 3891ganq bqrAnqcq, s. watoLu92 Disemqbar 4891majIdImagu bqrAnqcq , mAle92 Disemqbar 7891bAzAru bqrAnqcq , mAle

waharI ripOTq

maWulUmAtu

106106106106106

2004


waharI ripOTq

wusqwalitawq

waharu waharu waharu waharu waharuhiwqsAwakaSq libunu wAmqdanI )rufiyA(

hiwqsAwakaSq behunu fawidA

hurihA Karadewq kenDumunq hiwqsA wakaSq jehE milqkuverikamuge wagu )rufiyA(

bAzArugawi hiwqsAwakaSq jehE wagu )rufiyA( mati daSq waharu nimunu wiru

2000

491.91

85.00

1,150.96

2001

460.99

85.00

1,926.95

2002

190.46

85.00

2,032.40

750.00

585.00

650.00

2003

207.15

90.00

2,239.56

1,200.00

600.00

1,000.00

2004

629.99

95.00

2,779.55

1,350.00

750.00

1,175.00

107107107107107

2004


waharI ripOTq

guLEne nanqbarutawq

guLEne nanqbarutawqhuLumIdU bqrAnqcq huLumIdU bqrAnqcq huLumIdU bqrAnqcq huLumIdU bqrAnqcq huLumIdU bqrAnqcqbEnqkq wofq mOlqDivqsq plkbahAwuwqdInq magu , s. mIdU, 01091divehirAwqjefOnu: 007585 )069( +fekqsq: 007585 )069( +wI-mewilq: vm.moc.lmb@oohdeemuhluh

bAzAru bqrAnqcq bAzAru bqrAnqcq bAzAru bqrAnqcq bAzAru bqrAnqcq bAzAru bqrAnqcq bEnqkq wofq mOlqDivqsq plk wOkiDq magu, mAle, 88102 divehirAwqje fOnu: 222033 )069( + fekqsq: 022033 )069( + wI-mewilq: vm.moc.lmb@razab

bqrAnqcqtawq bqrAnqcqtawq bqrAnqcqtawq bqrAnqcqtawq bqrAnqcqtawq

diwqdU bqrAnqcq diwqdU bqrAnqcq diwqdU bqrAnqcq diwqdU bqrAnqcq diwqdU bqrAnqcq bEnqkq wofq mOlqDivqsq plk nIlOfaru magu, hw. diwqdU, 00110 divehirAwqje fOnu: 660002 )069( + fekqsq: 660002 )069( + wI-mewilq: vm.moc.lmb@oohdhdihd

fonadU bqrAnqcq fonadU bqrAnqcq fonadU bqrAnqcq fonadU bqrAnqcq fonadU bqrAnqcq bEnqkq wofq mOlqDivqsq plk wanqdalIbu magu, l. fonadU, 08051 divehirAwqje fOnu: 927074 )069( + fekqsq: 927074 )069( + wI-mewilq: vm.moc.lmb@oohdanof

fuvawqmulaku bqrAnqcq fuvawqmulaku bqrAnqcq fuvawqmulaku bqrAnqcq fuvawqmulaku bqrAnqcq fuvawqmulaku bqrAnqcq bEnqkq wofq mOlqDivqsq plk bahArumagu, N. fuvawqmulawq, 41081 divehirAwqje fOnu: 300545 )069( + fekqsq: 566045 )069( + wI-mewilq: vm.moc.lmb@ukalumhavuf

ganq bqrAnqcq ganq bqrAnqcq ganq bqrAnqcq ganq bqrAnqcq ganq bqrAnqcq bEnqkq wofq mOlqDivqsq plk bqlokq nanqbaru 205, s. ganq, 07091 divehirAwqje fOnu: 410885 )069( + fekqsq: 780885 )069( + wI-mewilq: vm.moc.lmb@nag

hitadU bqrAnqcq hitadU bqrAnqcq hitadU bqrAnqcq hitadU bqrAnqcq hitadU bqrAnqcq bEnqkq wofq mOlqDivqsq plk GAzImagu, meduvalu, s. hitadU, 02091 divehirAwqje fOnu: 110575 )069( + fekqsq: 310575 )069( + wI-mewilq: vm.moc.lmb@oohdahtih

huLumAle bqrAnqcq huLumAle bqrAnqcq huLumAle bqrAnqcq huLumAle bqrAnqcq huLumAle bqrAnqcqbEnqkq wofq mOlqDivqsq plkyuniTq )sI-jI-50( bagIcA hingunq, huLumAle00032, divehirAwqjefOnu: 760053 )069( +fekqsq: 625053 )069( +wI-mewilq: vm.moc.lmb@elamuhluh

kuLuduwqfuSi bqrAnqcq kuLuduwqfuSi bqrAnqcq kuLuduwqfuSi bqrAnqcq kuLuduwqfuSi bqrAnqcq kuLuduwqfuSi bqrAnqcqbEnqkq wofq mOlqDivqsq plkhd. kuLuduwqfuSi, 01120divehirAwqjefOnu: 318812 )069( +fekqsq: 116712 )069( +wI-mewilq: vm.moc.lmb@ihsuffuhdluk

mewinq bqrAnqcq mewinq bqrAnqcq mewinq bqrAnqcq mewinq bqrAnqcq mewinq bqrAnqcqbEnqkq wofq mOlqDivqsq plkbEnqkq wofq mOlqDivqsq bilqDinqg, 1 vana fanqgifilA11, boDutakurufAnu magu, mAle, 49002, divehirAwqjefOnu: 441033 )069( +fekqsq: 081033 )069( +wI-mewilq: vm.moc.lmb@niam

majIdImagu bqrAnqcq majIdImagu bqrAnqcq majIdImagu bqrAnqcq majIdImagu bqrAnqcq majIdImagu bqrAnqcqbEnqkq wofq mOlqDivqsq plkmajIdI magu, mAle, 83102divehirAwqjefOnu: 202033 )069( +fekqsq: 012033 )069( +wI-mewilq: vm.moc.lmb@ugameehdeejam

mAlE winqTarnECanalq wewarpOTq bqrAnqcq mAlE winqTarnECanalq wewarpOTq bqrAnqcq mAlE winqTarnECanalq wewarpOTq bqrAnqcq mAlE winqTarnECanalq wewarpOTq bqrAnqcq mAlE winqTarnECanalq wewarpOTq bqrAnqcqbEnqkq wofq mOlqDivqsq plkhuLule, 00022divehirAwqjefOnu: 112513 )069( +fekqsq: 112513 )069( +wI-mewilq: vm.moc.lmb@tropria

nawifaru bqrAnqcq nawifaru bqrAnqcq nawifaru bqrAnqcq nawifaru bqrAnqcq nawifaru bqrAnqcqbEnqkq wofq mOlqDivqsq plkmerinq Dqrawivq, L. nawifaru, 02070divehirAwqjefOnu: 913032 )069( +fekqsq: 913032 )069( +wI-mewilq: vm.moc.lmb@urafian

tinadU bqrAnqcq tinadU bqrAnqcq tinadU bqrAnqcq tinadU bqrAnqcq tinadU bqrAnqcqbEnqkq wofq mOlqDivqsq plkvaruhagumagu, gd. tinadU, 00171divehirAwqjefOnu: 200125 )069( +fekqsq: 489125 )069( +wI-mewilq: vm.moc.lmb@oohdaniht

wungUfAru bqrAnqcq wungUfAru bqrAnqcq wungUfAru bqrAnqcq wungUfAru bqrAnqcq wungUfAru bqrAnqcqbEnqkq wofq mOlqDivqsq plkmisqkitq magu, r. wungUfAru, 06050divehirAwqjefOnu: 272032 )069( +fekqsq: 272032 )069( +wI-mewilq: vm.moc.lmb@uraafoognu

vilingili bqrAnqcq vilingili bqrAnqcq vilingili bqrAnqcq vilingili bqrAnqcq vilingili bqrAnqcqbEnqkq wofq mOlqDivqsq plkwamInImagu, gw. vilingili, 02061divehirAwqjefOnu: 500015 )069( +fekqsq: 500015 )069( +wI-mewilq: vm.moc.lmb@ilignilliv

vilimAle bqrAnqcq vilimAle bqrAnqcq vilimAle bqrAnqcq vilimAle bqrAnqcq vilimAle bqrAnqcqbEnqkq wofq mOlqDivqsq plkbqlokq nanqbaru: 13, mAlE vilingili, 71012divehirAwqjefOnu: 056193 )069( +fekqsq: 056193 )069( +wI-mewilq: vm.moc.lmb@elamilliv

mulI bqrAnqcq mulI bqrAnqcq mulI bqrAnqcq mulI bqrAnqcq mulI bqrAnqcqbEnqkq wofq mOlqDivqsq plkranqkokA magu, m. muli, 05011divehirAwqjefOnu: 100064 )069( +fekqsq: 100064 )069( +wI-mewilq: vm.moc.lmb@ilum

108108108108108

2004

waharI ripOTq

guLEne nanqbarutawq mawi wofIhuge DipATqmanqTqtawq mawi wofIhuge DipATqmanqTqtawq mawi wofIhuge DipATqmanqTqtawq mawi wofIhuge DipATqmanqTqtawq mawi wofIhuge DipATqmanqTqtawq

mawi wofIsq mawi wofIsq mawi wofIsq mawi wofIsq mawi wofIsq

kADu senqTar kADu senqTar kADu senqTar kADu senqTar kADu senqTar bEnqkq wofq mOlqDivqsq plk bEnqkq wofq mOlqDivqsq bilqDinqg, 5 vana fanqgifilA 11, boDutakurufAnu magu, mAle, divehirAwqje fOnu: 991033 )069( + fekqsq: 481033 )069( + wI-mewilq: vm.moc.lmb@ertnecdrac

kOparETq wefewAzq DipATqmanqTq kOparETq wefewAzq DipATqmanqTq kOparETq wefewAzq DipATqmanqTq kOparETq wefewAzq DipATqmanqTq kOparETq wefewAzq DipATqmanqTq bEnqkq wofq mOlqDivqsq plk bEnqkq wofq mOlqDivqsq bilqDinqg, 6 vana fanqgifilA 11, boDutakurufAnu magu, mAle, divehirAwqje fOnu: 881033 )069( + fekqsq: 581033 )069( + wI-mewilq: vm.moc.lmb@sriaffaetaroproc

kqreDiTq wen kqreDiTq wen kqreDiTq wen kqreDiTq wen kqreDiTq wenDq mAkeTinqg DipATqmanqTq Dq mAkeTinqg DipATqmanqTq Dq mAkeTinqg DipATqmanqTq Dq mAkeTinqg DipATqmanqTq Dq mAkeTinqg DipATqmanqTq bEnqkq wofq mOlqDivqsq plk bEnqkq wofq mOlqDivqsq bilqDinqg, 6 vana fanqgifilA 11, boDutakurufAnu magu, mAle, divehirAwqje fOnu: 251033 )069( + fekqsq: 581033 )069( + wI-mewilq: vm.moc.lmb@tiderc

DivelopqmenqTq bEnqkinqg selq DivelopqmenqTq bEnqkinqg selq DivelopqmenqTq bEnqkinqg selq DivelopqmenqTq bEnqkinqg selq DivelopqmenqTq bEnqkinqg selq bEnqkq wofq mOlqDivqsq plk bEnqkq wofq mOlqDivqsq bilqDinqg, 2 vana fanqgifilA 11, boDutakurufAnu magu, mAle, divehirAwqje fOnu: 261033 )069( + fekqsq: 681033 )069( + wI-mewilq: vm.moc.lmb@cbd

finEnqsq DipATqmanqTq finEnqsq DipATqmanqTq finEnqsq DipATqmanqTq finEnqsq DipATqmanqTq finEnqsq DipATqmanqTq bEnqkq wofq mOlqDivqsq plk bEnqkq wofq mOlqDivqsq bilqDinqg, 6 vana fanqgifilA 11, boDutakurufAnu magu, mAle, divehirAwqje fOnu: 231033 )069( + fekqsq: 581033 )069( + wI-mewilq: vm.moc.lmb@ecnanif

forinq DipATqmanqTq forinq DipATqmanqTq forinq DipATqmanqTq forinq DipATqmanqTq forinq DipATqmanqTq bEnqkq wofq mOlqDivqsq plk bEnqkq wofq mOlqDivqsq bilqDinqg, 5 vana fanqgifilA 11, boDutakurufAnu magu, mAle, divehirAwqje fOnu: 651033 )069( + fekqsq: 481033 )069( + wI-mewilq: vm.moc.lmb@ngierof

hiwumanq risOsasq DipATqmanqTq hiwumanq risOsasq DipATqmanqTq hiwumanq risOsasq DipATqmanqTq hiwumanq risOsasq DipATqmanqTq hiwumanq risOsasq DipATqmanqTq bEnqkq wofq mOlqDivqsq plk bEnqkq wofq mOlqDivqsq bilqDinqg, 6 vana fanqgifilA 11, boDutakurufAnu magu, mAle, divehirAwqje fOnu: 221033 )069( + fekqsq: 581033 )069( + wI-mewilq: vm.moc.lmb@secruoser_namuh

winqformECanq TekqnolojI DipATqmanqTq winqformECanq TekqnolojI DipATqmanqTq winqformECanq TekqnolojI DipATqmanqTq winqformECanq TekqnolojI DipATqmanqTq winqformECanq TekqnolojI DipATqmanqTq bEnqkq wofq mOlqDivqsq plk bEnqkq wofq mOlqDivqsq bilqDinqg, 4 vana fanqgifilA 11, boDutakurufAnu magu, mAle, divehirAwqje fOnu: 011033 )069( + fekqsq: 511033 )069( + wI-mewilq: vm.moc.lmb@ti

winqsqpekqCanq DipATqmanqTq winqsqpekqCanq DipATqmanqTq winqsqpekqCanq DipATqmanqTq winqsqpekqCanq DipATqmanqTq winqsqpekqCanq DipATqmanqTq bEnqkq wofq mOlqDivqsq plk bEnqkq wofq mOlqDivqsq bilqDinqg, 4 vana fanqgifilA 11, boDutakurufAnu magu, mAle, divehirAwqje fOnu: 181033 )069( + fekqsq: 511033 )069( + wI-mewilq: vm.moc.lmb@noitcepsni

lIgalq wefewAsq wenqDq DokiyumenqTECanq lIgalq wefewAsq wenqDq DokiyumenqTECanq lIgalq wefewAsq wenqDq DokiyumenqTECanq lIgalq wefewAsq wenqDq DokiyumenqTECanq lIgalq wefewAsq wenqDq DokiyumenqTECanq DipATqmanqTq DipATqmanqTq DipATqmanqTq DipATqmanqTq DipATqmanqTq bEnqkq wofq mOlqDivqsq plk bEnqkq wofq mOlqDivqsq bilqDinqg, 6 vana fanqgifilA 11, boDutakurufAnu magu, mAle, divehirAwqje fOnu: 451033 )069( + fekqsq: 581033 )069( + wI-mewilq: vm.moc.lmb@sriaffalagel

pabqlikq rilECanqsq wenqDq weDqminisqTqrECanq pabqlikq rilECanqsq wenqDq weDqminisqTqrECanq pabqlikq rilECanqsq wenqDq weDqminisqTqrECanq pabqlikq rilECanqsq wenqDq weDqminisqTqrECanq pabqlikq rilECanqsq wenqDq weDqminisqTqrECanq DipATqmanqTq DipATqmanqTq DipATqmanqTq DipATqmanqTq DipATqmanqTq bEnqkq wofq mOlqDivqsq plk bEnqkq wofq mOlqDivqsq bilqDinqg, 4 vana fanqgifilA 11, boDutakurufAnu magu, mAle, divehirAwqje fOnu: 331033 )069( + fekqsq: 511033 )069( + wI-mewilq: vm.moc.lmb@nimda

bEnqkq wofq mOlqDivqsq plk11, boDutakurufAnu magu, mAle, 49002divehirAwqje

fOnu:849223 )069( +fekqsq:332823 )069( +sqvifqTq: VMVMBLAMsawiTq: vm.moc.sevidlamfoknab.wwwwI-mewilq: vm.moc.lmb@ofniTelekqsq: 03077 FM MOKNAB

kunqfunIge rajisqTarI nanqbaru : 2891/22-C

109109109109109

2004

bEnqkuge gofitawqmewinq bqrAnqcq, mAlemajIdI magu bqrAnqcq, mAlemAlE winqTarnECanalq wewarpOTq bqrAnqcq, huLulebAzAru bqrAnqcq, mAleganq bqrAnqcq, s. watoLuhitadU bqrAnqcq, s. watoLunawifaru bqrAnqcq, L. watoLukuLuduwqfuSI bqrAnqcq, hd. watoLufonadU bqrAnqcq, l. watoLumulI bqrAnqcq, m. watoLutinadU bqrAnqcq, gd. watoLufuvawqmulaku bqrAnqcq, N. watoLuvilingili bqrAnqcq, gw. watoLudiwqdU bqrAnqcq, hw. watoLuvilimAle bqrAnqcq, mAle vilingilihuLumIdU bqrAnqcq, s. watoLuwungUfAru bqrAnqcq, r. watoLuhuLumAle bqrAnqcq, huLumAle

woDiTarunqpqrawisq vOrTarhawusq kUparsqpI. wO. bokqsq 42102devanafanqgifilA 30 - 20wAge21, boDutakurufAnu magu, mAle,divehirAwqje

bEnqkuge gofitawq / woDiTarunq

waharI ripOTq

110110110110110

2004

109

107 - 108

106

103 - 105

102

101

100

98 - 99

81 - 97

80

79

78

77

76

72 - 75

69 - 71

56 - 68

2 - 55

bEnqku ge gofitawq/ woDiTarunq

guLEne nanqbarutawq

wusqwalitawq

maWulUmAtu

maQqBaduge bayAnq

waLuganDumenqge tasawqvuru

DirekqTarunqge bODu

cewarmanqge bayAnq


woDiTarunq ge ripOTq

wAmqdanIge bayAnq

belenqsq CITq

wikuwiTIwaSq wawi badaluu

fawisA libunugotAwi hEdavigotuge bayAnq


mAlI hatiyArutawq bEnunqkurunq


wingirEsibawi

fihurisqtu

waharI ripOTq

111111111111111

2004


waharI ripOTq

112112112112112

2004

iwaharI ripOTq

waharI wAnqmu jalqsAge nOTisqq waharI wAnqmu jalqsAge nOTisqq waharI wAnqmu jalqsAge nOTisqq waharI wAnqmu jalqsAge nOTisqq waharI wAnqmu jalqsAge nOTisqqu

bEnqkqq wofq mOlqDivqsq plk ge hiwqsAdArunqge 22 vana waharI wAnqmu jalqsA 92 jUnq 5002 vA buda duvahuge rE03:8 gawi nasanqdura pelasq hoTelq gawi bEwqvumaSq vanI hamajehifaweve.

mi jalqsAge wejenqDA tirIgawi mi danqnavanIweve.

1-12 vana waharI wAnqmu jalqsAge yawumiwqyA fAsqkurunq.2-DirekqTarunqge ripOTAwi woDiTarunqge ripOTq huSaheLumAwi fAsqkurunq.3-bEnqkq wofq mOlqDivqsq plk ge 13 Disemqbar 4002 ge belenqsq CITAwi 13 Disemqqbar 4002 gawi

nimunu waharuge wAmqdanIge bayAnq huSaheLumAwii fAsqkurunq.4-4002 vana waharaSq hiwqsAdArunqnanq bahAne fawidA kanDaweLunq.5-bEnqkq wofq mOlqDivqsq plk ge hinqgA gavAwiduge 14 vana mAwqdA gawivA gotaSq bEnqkq wofq mOlqDivqsq plk ge

DirekqTarunqge bODaSq sarukArunq Wawqyanq kurewqviDirekqTarunq jalqsAwaSq wenqgumAwi wAnqmu hiwqsAdArunq howqvavaA tinqDirekqTarunqwinqtiKAbukurunq .

6-woDiTarunq wawqyanq kurumAwi we mIhunqnanq dEne wujUra kanDaweLunq .7-wituru kanqtawqtawq.

50 jumAdalq wUlA 6241 21 jUnq 5002

bODuge wenqgumA wewqgotaSqKAdimatukumq

serInq hO wowi kuwenqkunqfunIge sekqreTarI

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