9739-Nmb-nepali_anual-report 2080_final Dec 24 Web

;~rfns ;ldlt
kjg s'df/ uf]Nof0f

cWoIf
-;+:yfks z]o/wgLx?sf] tkm{af6_
lgsf] lkn hLjg s'df/ s6\jfn of]u]Gb| nfn k|wfg

;~rfns ;~rfns ;~rfns
-;+:yfks z]o/wgLx?sf] tkm{af6_ -;+:yfks z]o/wgLx?sf] tkm{af6_ -;j{;fwf/0f z]o/wgLx?sf] tkm{af6_
pQd Enf]g lzl/if s'df/ d'/f/sf aGbgf kf7s

;~rfns ;~rfns :jtGq ;~rfns
-;j{;fwf/0f z]o/wgLx?sf] tkm{af6_ -;j{;fwf/0f z]o/wgLx?sf] tkm{af6_
k|bLk /fh kf08] k|df]b s'df/ bfxfn

j}slNks ;~rfns sDkgL ;lrj
k|ltlglw -k|f]S;L_ kmf/d
ldlt M === === === === === =
>L ;~rfns ;ldlt,

PgPdla a}+s lnld6]8,
Afa/dxn, sf7df8f}+ .

ljifoM k|ltlglw lgo'lQm ul/Psf] af/] .
dxfzo,
==== === === === === ==== lhNnf === === === === === === === =d=g=kf=÷p=d=g=kf=÷g=kf=÷uf=kf= j8f g+= == ====== a:g] d÷xfdL === = ==== === ====== === == ======= ==== ====== ==== n] To;
sDkgLsf] z]o/wgLsf] x}l;otn] ;Dat\ @)*) ;fn kf}if dlxgf @^ ut] laxLaf/sf lbg x'g] @*cf}+ jflif{s ;fwf/0f ;efdf d÷xfdL :jod\
pkl:yt eO{ 5nkmn tyf lg0f{odf ;xefuL x'g g;Sg] ePsfn] pQm ;efdf d]/f]÷xfd|f] tkm{af6 efu lng tyf dtbfg ug{sf nflu
=== === === === === ====== =======lhNnf === === === === === === === d=g=kf=÷p=d=g=kf=÷g=kf=÷uf=kf= j8f g+= === == a:g] >L === === ==== == === === === === === = === === === === ==== == === ===
nfO{ d]/f]÷xfd|f] k|ltlglw lgo'Qm u/L k7fPsf] 5'÷k7fPsf 5f}+ .
k|ltlglw lgo'Qm ePsf] JolQmsf]M

x:tfIf/sf] gd"gfM
z]o/wgL kl/ro÷lxtu|fxL vftf g+=M
lgj]
lgj]bs,
b:tvtM
gfd y/M
7]ufgfM
z]o/wgL kl/ro g+=M
lxtu|fxL vftf g+=M
z]o/ ;+VofM
b|i6AoM of] lgj]bg ;fwf/0f ;ef x'g' eGbf sDtLdf $* 306f cufj} a}+ssf] /lhi68{ sfof{nodf k]z ul/;Sg' kg]{5 . Ps eGbf a9L
k|ltlglw -k|f]S;L_ sf] gfd pNn]v u/]df k|ltlglw -k|f]S;L_ kmf/d /2 ul/g] 5 .
===============================================================================================================================================================================================================================================================================================================================================================================================================
k|j]z–kq
PgPdla a}+s lnld6]8,
aa/dxn, sf7df8f}+ .

@*cf}+ jflif{s ;fwf/0f ;efdf pkl:yt x'g hf/L ul/Psf]
z]o/wgLsf] gfdM ================================================================================================================================ s"n z]o/ ;+VofM =====================================================================

z]o/wgL kl/ro÷lxtu|fxL vftf (BOID) g+=M ================================================== z]o/wgLsf] ;xLM ======================================================================

sDkgL ;lrj
-b|b|i6AoM k|ltlglwn] ;efdf efu lng cfpFbf of] k|j]z kq ;fy} lnO{ cfO{ lbg'x'g cg'/f]w ub{5f}+ ._
PgPdla a}+s lnld6]8 -jflif{s k|ltj]bg @)&(–*)_ 3

ljifo ;"rL
c¶fO{;f}+ jflif{s ;fwf/0f ;ef;DaGwL ;"rgf ^

cWoIfsf] dGtJo *
;~rfns ;ldltsf] jflif{s k|ltj]bg !)
lwtf]kq btf{ tyf lgisfzg lgodfjnL, @)&# sf] cg';"rL–!% @%
ljQLo emnsx? @&
n]vfk/LIfssf] k|ltj]bg #!
ljQLo ljj/0fx? #&
n]vf ;DaGwL l6Kk0fLx? $(
k|d'v n]vf gLltx? (@
cltl/Qm n]vf l6Kk0fLx? !)#
jf;]n ;DaGwL hfgsf/L !#@
k|If]lkt tyf jf:tljs jf;nft aLrsf] t'ngf !#*
k|If]lkt tyf jf:tljs gf˚f gf]S;fg lx;fa aLrsf] t'ngf !#(
xl/hG6n ljZn]if0f !$)
el6{sn ljZn]if0f !$@
ljz]if k|:tfjsf] ?kdf k]z ePsf] k|jGwkq tkm{sf] ;+zf]wgsf] tLgdxn !$$
ljQLo ljj/0f k|sfzg ug{ g]kfn /fi6« a}+ssf] :jLs[lt kq !$%
ljQLo ljj/0f k|sfzg ug{ g]kfn /fi6« a}+ssf] :jLs[lt kqdf ePsf] lgb]{zg pk/ hjf˚ !$^

@*cf}+ jflif{s ;fwf/0f ;ef;DaGwL ;"rgf
o; a}+ssf] ldlt @)*)÷)*÷@& ut] a;]sf] ;~rfns ;ldltsf] $%(cf}+ a}7ssf] lg0f{ofg';f/ a}+ssf] c¶fO{;f}+ jflif{s ;fwf/0f ;ef lgDg
lnlvt ldlt, :yfg / ;dodf lgDg ljifox¿ pk/ 5nkmn tyf lg0f{o ug{ a:g] ePsfn] sDkgL P]g, @)^# sf] bkmf ^& adf]lhd
;Dk"0f{ z]o/wgL dxfg'efjx¿sf] hfgsf/Lsf nflu of] ;"rgf k|sflzt ul/Psf] 5 .
!= ;fwf/0f ;ef a:g] ldlt, :yfg / ;do M
ldlt M @)*) ;fn kf}if dlxgf @^ ut], laxLaf/ -tb\g';f/ !! hgj/L @)@$_
:yfg M /fli6«o ;efu[x, k|bz{gLdfu{, sf7df8f}+ .
;do M laxfg !) ah] .
5nkmnsf ljifox¿ M
-s_ ;fdfGo k|:tfj M
!= cfly{s jif{ @)&(÷)*) sf] ;~rfns ;ldltsf] jflif{s k|ltj]bg kfl/t ug]{,
@= n]vfk/LIfssf] k|ltj]bg ;lxt @)*) ciff9 d;fGtsf] jf;nft / cf=j= @)&(÷)*) sf] gfkmf–gf]S;fg lx;fa -PsLs[t
O{lSj6Ldf ePsf] kl/jt{gsf] ljj/0f_ tyf gub k|jfx ljj/0f nufotsf jflif{s ljQLo ljj/0fx? kfl/t ug]{ -;xfos
sDkgLx? PgPdla Soflk6n lnld6]8, PgPdla n3'ljQ ljQLo ;+:yf lnld6]8 / Pg=Pd=la= ;]So'l/l6h lnld6]8sf] PsLs[t
ljQLo ljj/0fx? ;d]t_,
#= sDkgL P]g, @)^# sf] bkmf !!! tyf a}+s tyf ljQLo ;+:yf ;DaGwL P]g, @)&# sf] bkmf ^# cg';f/ cf=j= @)*)÷)*!
sf] nflu n]vfk/LIfssf] lgo'lQm tyf lghsf] kfl/>lds tf]Sg],
-v_ ljz]if k|:tfj M
!= a}+ssf] k|aGwkqsf] p2]Zodf ;+zf]wg u/L bkmf %-ss_ df ^ / & yk ug]{ .
@= cGo a}+s tyf ljQLo ;+:yfnfO{ k|flKt -PlSjlh;g_ ug{ tyf cGo a}+s tyf ljQLo ;+:yfx?;+u dh{/ k|s[of cufl8 a9fpg]
clVtof/L ;~rfns ;ldltnfO{ k|bfg ug]{ . ;fy}, ;f]sf nflu ;DklQ tyf bfloTjsf] d"Nof+sg ug{sf nflu d"Nof+sgstf{
lgo"Qm ug]{, :jfk /]l;of] lgwf{/0f ug]{, ;f]sf nflu a}+ssf] k|jGwkq tyf lgodfjnLdf s'g} ;+zf]wg cfjZos ePdf ;f]
ul/ ;f]sf] clen]v u/fpg] nufot ;Dk"0f{ sfo{ ug]{ clVtof/L ;~rfns ;ldltnfO{ k|bfg ug]{ .
#= a}+ssf] k|aGwkq ;+zf]wgsf] qmddf lgodgsf/L lgsfoaf6 s'g} km]/abn, yk36 ug{ lgb]{zg jf ;'emfa ePdf ;f]xL
adf]lhd ug{ jf clen]v ubf{ u/fpFbf s]xL ;fdfGo x]/km]/ ug{, ;+zf]wg ;DaGwL sfuhft k|dfl0ft ug{, bflvnf ug{ /
clen]v u/fO{ lng ;d]t ;~rfns ;ldlt jf ;~rfns ;ldltn] tf]s]sf] kbflwsf/LnfO{ clVtof/L lbg] .
-u_ ljljw M
-3_ lgjf{rg ;DaGwdf M
!= ;+:yfks z]o/wgLx?sf] tkm{af6 k|ltlglwTj ug]{ @ hgf tyf ;j{;fwf/0f z]o/wgLx?sf] tkm{af6 k|ltlglwTj ug]{ # hgf
u/L % hgf ;~rfnsx?sf] lgjf{rg ug]{ . -;+:yfks z]o/wgLx?sf] tkm{af6 k|ltlglwTj ug]{ # hgf ;~rfnsx? dWo]
a}+ssf] lgodfjnL adf]lhd ;+:yfks z]o/wgL PkmPdcf]sf] tkm{af6 ! hgf ;~rfns dgf]gog x'g]_,
cf1fn],
sDkgL ;lrj
6 PgPdla a}+s lnld6]8 -jflif{s k|ltj]bg @)&(–*)_

;fwf/0f ;ef ;DaGwdf yk hfgsf/L
!_ ;fwf/0f ;ef k|of]hgsf]nflu a}+ssf] z]o/ bflvn Vff/]hL ldlt @)*)÷)(÷)^ ut]sf nflu aGb /xg] 5 . pQm ldlt cufj}
g]kfn :6s PS;r]~h ln= df sf/f]af/ eO{ sfod ePsf z]o/wgLx?n] dfq ;f] ;fwf/0f ;efdf efu lng÷dtbfg ug{ kfpg]
5g\ .
@_ ;fwf/0f ;ef;DaGwL ;~rfns ;ldltsf] k|ltj]bg ;lxtsf sfuhftx? x]g{ tyf k|ltlnlk cfjZos ePdf a}+ssf] s]Gb|Lo
sfof{no aa/dxn, sf7df8f}+df ;Dks{ /fVg x'g cg'/f]w 5 . ;fy}, pQm ljj/0fx? a}+ssf] j]a;fO6 www.nmb.com.np df klg
/flvPsf] 5 .
#_ ;fwf/0f ;ef k|of]hgsfnflu z]o/wgL pkl:ylt k'l:tsf laxfg ( ah]b]lv ;fwf/0f ;ef ;DkGg gx'Gh]n;Dd v'Nnf /xg]
5 . jflif{s ;fwf/0f ;efdf efu lng OR5's z]o/wgLx¿n] z]o/sf] k|df0fkq jf z]o/ cef}lts/0f u/fO{ ;Sg' ePsf z]o/wgL
dxfg'efax?sf] xsdf lxtu|fxL vftf gDa/ / ;Ssn cflwsf/Ls kl/ro kq ;fydf lnO{ cfpg' x'g cg'/f]w 5 .
$_ ;fwf/0f ;efdf efu lngsf nflu k|ltlglw -k|f]S;L_ lgo'Qm ug{ rfxg] z]o/wgL dxfg'efjn] cfgf] gfddf /x]sf] ;Dk"0f{
z]o/sf] k|ltlglw Pp6} JolQm x'g] u/L k|ltlglwkq -k|f]S;L kmf/d_ ;ef z'¿ x'g' eGbf $* 306f cufj} a}+ssf] s]Gb|Lo sfof{no
aa/dxn, sf7df8f}+df btf{ u/fO{ ;Sg' kg]{5 .
%_ k|ltlglw lgo'Qm ubf{ a}+ssf] z]o/wgL afx]s cGo JolQmnfO{ lgo'lQm ug{ ;lsg] 5}g\ .
^_ gfafns jf ljlIfKt z]o/wgLx¿sf] xsdf a}+ssf] z]o/wgL btf{ k'l:tsfdf ;+/Ifssf] ¿kdf gfd btf{ ePsf] JolQmn] dfq
;efdf efu lng jf k|ltlglw -k|f]S;L_ tf]Sg ;Sg]5 . ;+o'Qm ¿kdf z]o/ lng] z]o/wgLx¿sf] xsdf To:tf] z]o/wgLx¿ dWo]
af6 ;j{;Ddt ¿kdf dgf]lgt k|ltlglwn] jf ;f] adf]lhd s'g} k|ltlglw lgo'Qm gePdf z]o/wgL btf{ lstfadf klxn] gfd
pNn]v ePsf] z]o/wgLn] dfq ;efdf efu lng kfpg] 5 .
&_ z]o/wgLx¿af6 p7]sf k|Zg, lh1f;f jf dGtJox¿sf] ;DaGwdf ;~rfns ;ldltsf] tkm{af6 cWoIf jf cWoIfaf6 cg'dlt k|fKt
JolQmn] hjfkm lbg ;Sg]5g\ .
*_ s'g} z]o/wgL dxfg'efjx¿nfO{ a}+ssf] ;DaGwdf s]lx lh1f;f eP To:tf] Joxf]/f lnlvt ¿kdf ;ef x'g' eGbf sDtLdf & -;ft_
lbg cufj} a}+ssf] /lhi68{ sfof{nodf k7fpg' x'g cg'/f]w ub{5f}+ . t/ o;nfO{ 5nkmn / kfl/t x'g] k|:tfjsf] ¿kdf ;dfj]z
ul/g] 5}g .
(_ ;fwf/0f ;efdf efu lng cfpg'x'g] z]o/wgLx¿n] ;fwf/0f ;ef;+u ;DalGwt sfuhft afx]s s'g} emf]nf, kf]sf jf cGo ;fdfu|L
glnO{ cfpg' x'g cg'/f]w ul/Psf] 5 .
;~rfns ;ldltsf ;b:osf] lgjf{rg;DaGwL yk hfgsf/L

!_ lgjf{rg ;DaGwL sfo{qmdx? lgjf{rg clws[tn] ;"rgf k|sflzt u/] adf]lhd x'g]5 . lgjf{rg clws[tåf/f lgjf{rg ;DaGwL
sfo{qmdx? ldlt @)*)÷)(÷!! ut] a'waf/ lbgsf] @M)) jh] o; a}+ssf] s]Gb|Lo sfof{no, aa/dxn, sf7df8f}+df k|sflzt
ul/g]5 .
@_ ;~rfns kbdf pDd]bjf/ x'g rfxg] z]o/wgLn] a}+sn] hf/L u/]sf] z]o/dWo] lwtf] aGws nufot s'g} klg k|sf/sf] aGws
g/x]sf] sDtLdf !)) lsQf z]o/ cfgf] gfddf u|x0f u/]sf] x'g' kg]{5 .
#_ ;~rfns kbdf pDd]bjf/ x'g rfxg] JolQmn] o; a}+ssf] s]Gb|Lo sfof{no sf=lh=, sf=d=g=kf= j8f g+= !!, PgPdla ejg,
aa/dxn, sf7df8f}+df k|sflzt lgjf{rg ;DaGwL sfo{qmdsf] ;"rgfdf pNn]lvt ldlt / ;do leq a}+ssf] Pshgf z]o/wgL
k|:tfjs / Ps hgf ;dy{s ;lxt tf]lsPsf] 9fFrfdf tf]lsPsf] b:t'/ a'emfO{ cfgf] pDd]bjf/Lsf] b/vf:t btf{ u/fpg' kg]{5 .
$_ ;~rfns kbdf pDd]bjf/ x'g rfxg] JolQmn] k|rlnt sfg"g adf]lhd tf]lsPsf] of]Uotf k'li6 x'g] sfuhftx? pDd]bjf/Lsf]
b/vf:t btf{ u/fpFbf k]z ug{' kg]{5 .
%_ o; a}+ssf] æ;~rfnsx?sf] lgjf{rg;DaGwL lgb]{lzsf @)^%Æ z]o/wgLx?n] o; a}+ssf] s]Gb|Lo sfof{noaf6 ?=%))÷– z'Ns ltl/
k|fKt ug{ ;Sg' x'g]5 .

cWoIfsf] dGtJo
PgPdla a}+s lnld6]8sf] @*cf}+ jflif{s ;fwf/0f ;efdf lj:tf/ tyf d'gfkmfsf] j[l4sf nflu a}+sn] /0fgLlts
pkl:yt cfb/0fLo z]o/wgL dxfg'efjx?, lgodgsf/L of]hgf tof/ u/L ;f]lx adf]lhd cfkm\gf] sfd sf/jfxLx?
lgsfosf k|ltlglwx?, n]vfk/LIfs, sfg'gL ;Nnfxsf/, cl3 a9fPsf] 5 . a}+sn] ;d[4 g]kfnsf] gf/fsf ;fy lgIf]k
cfdlGqt clyltu0f, ko{j]Ifs, kqsf/ tyf dlxnf Pjd\ tyf shf{ nufgLnfO{ ;Gt'lnt ?kdf j[l4 ug]{ tyf shf{sf]
;Hhgj[Gbx?df d a}+ssf] ;~rfns ;ldltsf] tkm{af6 u'0f:t/df ;'wf/ ub}{ s[lif, gljs/0fLo phf{, ;fgf tyf
/ d]/f] JolQmut tkm{af6 x[bo b]lv g} cfef/ k|s6 ub}{ demf}nf pBf]u nufotsf If]qx?df nufgL lj:tf/
xflb{s :jfut ug{ rfxG5' . ug]{ sfo{nfO{ k|fyldstfdf /fVb} z]o/wgLx?nfO{ ;d]t plrt
k|ltkmn k|bfg ug]{ /0fgLlt lnPsf] 5 . a}+ssf] lbuf] ljsf;sf
a}+ssf] @$cf} jflif{s ;fwf/0f ;efaf6 oxfFx?n] lbg' ePsf] nflu jftfj/0f ;+/If0fdf ;d]t Wofg lb+b} b]zsf] k|fyldstf
lhDd]jf/L xfdLx?n] k"0f{ OdfGbf/Lsf ;fy z]o/wgLx? tyf k|fKt If]qx?df cfkm\gf] nufgLnfO{ k|efjsf/L ?kdf lj:tf/
cGo ;Da4 kIfx?sf] lxtdf lhDd]jf/Lk"j{s lgjf{x u/]sf] / ug]{ of]hgfsf ;fy a}+sn] cfkm\gf sfo{qmdx?nfO{ s]lGb|t
oxfFx?sf] ;xof]u / ;b\efjsf sf/0f lg/Gt/ a}+sn] k|ult ub}{ cfPsf] 5 . a}+ssf] a}b]lzs nufgLstf{ PkmPdcf]n]
ub}{ cl3 a9L /x]sf] oxfFx?nfO{ hfgsf/L u/fpg rfxG5' . jftfj/0f ;+/If0fsf If]qdf ljleGg /0fgLltx?sf] ljsf; tyf
oxfFx?n] lbPsf] lhDd]jf/L k'/f u/L o; u/Ldfdo ;efdf a}+ssf] gLlt lgodx? lgdf{0f / kl/dfh{gdf ;xof]u u/L
z]o/wgLx? Dffem pkl:yt x'g kfFpbf uf}/jflGjt dx;'; /x]sf] oxfFx?nfO{ hgfsf/L u/fpFb5' . u|fxsju{nfO{ l56f]
u/]sf] 5' . eljiodf ;d]t oxfFx?sf] ;fy / ;xof]un] a}+sn] 5l/tf] / aLgf emGem6 ;]jf k|bfg ug{sf nflu xfdL k|ltj4
cem k|ult ub}{ cl3 a9g] 5 eGg] ljZjf; oxfFx?nfO{ /x]sf 5f}+ . a}+sn] lnPsf] nIo xfl;n ug{sf nflu xfdL
lbnfpg rfxG5' . k"0f{ OdfGbfl/tfsf ;fy cl3 a9L /x]sf] oxfFx?nfO{
ljZjf; lbnfpg rfxG5' .
;ldIff jif{ cf=j= @)&(÷*) df lghL If]qtkm{sf] dfu /
;/sf/L k'FhLut vr{df cfPsf] sdLsf sf/0f nlIft cfly{s a}+sn] lnPsf] /0fgLlt cg'?k pTkfbglzn If]qdf shf{
j[l4 xfl;n ug{ sl7gfO{ ePsf] kl/k|]Iodf a}+lsË If]qsf] nufgL a9fpFb} /f]huf/L clej[l4 ug]{ tyf d'n'sleq
lj:tf/df ;d]t ;sf/fTds k|efj gk/]sf] / b]zsf] cfly{s /f]huf/Lsf cj;/x? l;h{gf ug{ pBf]u tyf s[lif
cj:yfaf6 a}+s ;d]t c5'tf] g/x]sf] oxfFx?nfO{ cjut g} If]qdf nufgL a9fpFb} nu]sf] 5 . ;fy}, a}+sn] dlxnfx?nfO{
5 . o; cj:yfdf xfdLn] a}+ssf] ;ldIff jif{sf] gfkmfnfO{ cfTdlge{/ agfpg] tyf pBdlzn Ifdtfsf] ljsf; ug{]
;l~rt ub}{ a}+snfO{ dha't agfpg] / a}+ssf] Joj;fo nIosf ;fy Joj;fo ;+rfng ug{ rfxg] dlxnfx?nfO{ dlxnf
lj:tf/ ug{ ;xof]u k'Ug] x]t'n] ;fwf/0f ;efsf] :jLs[ltsf pBdlzn shf{, a}b]lzs /f]huf/Laf6 kms]{sf o'jfx?nfO{
nflu k|:tfj k]z u/]sf 5f}+ . o;af6 cfufdL jif{x?df a}+s ljb]zdf cfh{g u/]sf] ;Lk / Joj;flos bIftf cg'?k
cem ;an / ;Ifd x'g] ePsfn] eljiodf z]o/wgLx?nfO{ :j/f]huf/ agfpg] p2]Zosf ;fy a}b]lzs /f]huf/L shf{ k|bfg
nfe ldNg] ljZjf; lnPsf 5f}+ . ;ldIff jif{ tyf rfn' ub}{ cfPsf] 5 .
jif{sf] # dlxgfdf ljk|]if0fsf] cfk|jfxdf ePsf] ;'wf/ tyf
ljb]zL d'b|fsf] ;l~rtLsf] j[l4sf sf/0f jfx\o If]q ;'wf/f]Gd'v a}+sn] cfkm\gf] /0fgLlt adf]lhd lbuf] a}+lsËdf s]lGb|t
b]lvPsfn] lj:tf/} cfGtl/s dfudf j[l4 eO{ k"FhLut vr{ /xg] p2]Zosf ;fy xl/tu[x Uof; pT;h{gnfO{ sd ug{]
a9g] b]lvG5 . o;af6 cfufdL jif{x?df shf{sf] dfu a9\g If]qdf cfkm\gf] nufgLnfO{ a9fpb} nu]sf] 5 . pQm /0fgLltn]
uO{ a}+ssf] gfkmfdf yk ;'wf/ x'g] / z]o/wgLx?n] ;d]t jftfj/0f tyf ;fdflhs hf]lvdnfO{ Go"lgs/0f ub}{ a}+ssf]
/fd|f] k|ltkmn k|fKt ug{ ;Sg] ljZjf; lnPsf 5f}+ . lbuf] ljsf;sf] nIo xfl;n x'g] xfdLn] ljZjf; lnPsf
5f}+ . a}+sn] laleGg ljb]zL a}+s tyf ljQLo ;+:yfx?af6
cfb/0fLo z]o/wgL dxfg'efjx?, bL3{sflng / lbuf] Joj;fo lnPsf] shf{ tyf C0fbftfx?n] a}+snfO{ o; If]qdf

u/]sf] cGo ;xof]ux? o;sf k|ToIf pbfx/0fsf ?kdf cGTodf, o; a}+ssf] pGglt, k|ult / ;Dj[l4sf nflu xfd|f
lng ;lsG5 . ;fy}, o;n] b]zleq ;+rfngdf /x]sf x/]s s[ofsnfkx?df ;b}j ulx/f] cle?rL b]vfO{ xfdLnfO{
kl/of]hgfx?sf] lbuf] ljsf; / :yfloTjdf ;d]tdf ;xof]u /fo ;'emfj lbg' x'g] cfb/0fLo z]o/wgL dxfg'efjx?,
k'Ug]5 . lgodgsf/L lgsfox?, ;~rf/ hut, u|fxsju{ nufot
o; a}+snfO{ k|ToIf jf ck|ToIf ?kn] ;xof]u k'/\ofpg'
o; a}+sn] l8lh6n a}+lsË ;]jf lj:tf/nfO{ x'g] a}+s tyf ljQLo ;+:yfx?, cGo ;+3–;+:yfx?, a}+s
;d]t d'Vo k|fyldstf lbO{ ;f]xL adf]lhd cfkm\gf] sfd ;~rfns ;ldltsf ;b:ox? tyf sd{rf/Lju{ k|lt xflb{s
sf/jfxLx?nfO{ cl3 a9fO{ /x]sf] 5 . o;nfO{ cem cfef/ JoQm ug{ rfxG5' .
k|efjsf/L ?kdf lj:tf/ ul/g] ljZjf; oxfFx?nfO{ lbnfpg
rfxG5' . g]kfnsf] a}+lsË If]qdf le–s]jfO{;L tyf cfl6{lkml;on wGojfb .
OlG6lnh]G;df cfwfl/t shf{ cfj]bg tyf :jLs[lt k|s[of kjg s'df/ uf]Nof0f
cWoIf
/ cf]DgL Rofgndf cfwfl/t l8lh6n a}+lsËsf] z'?jft
ug]{ klxnf] a}+s o; a}+s /x]sf] 5 .
ldltM @)*)÷)(÷@^

PgPdla a}+s lnld6]8sf] cfly{s jif{ @)&(÷)*) sf]
;~rfns ;ldltsf] jflif{s k|ltj]bg
cfb/0fLo z]o/wgL dxfg'efjx?,
PgPdla a}+s lnld6]8sf] @*cf}+ jflif{s ;fwf/0f ;efdf pkl:yt ;Dk"0f{ cfb/0fLo z]o/wgL dxfg'efjx?, ljleGg lgodgsf/L lgsfoaf6
kfNg' ePsf k|ltlglwx?, ;+:yfut ?kdf o; ;efdf k|ltlglwTj ug'{ x'g] k|ltlglwx?, n]vfk/LIfs, sfg'gL ;Nnfxsf/, cfdlGqt
clyltu0f, ko{j]Ifs, kqsf/ nufot ;efdf pkl:yt ;Dk"0f{ dxfg'efjx?nfO{ ;~rfns ;ldltsf] tkm{af6 xflb{s :jfut tyf
clejfbg JoQm ub{5' .
a}+ssf] cfly{s jif{ @)&(÷)*) sf] jf;nft, gfkmf gf]S;fg lx;fa, gfkmf gf]S;fg afF8kmfF8 lx;fa, gub k|jfx ljj/0f / O{lSj6Ldf
ePsf] kl/jt{gsf] ljj/0f ;lxtsf] jflif{s cfly{s k|ltj]bg oxfFx?n] k|fKt ul/;Sg' ePsf] ljZjf; lnFb} sDkgL P]g, @)^# sf] bkmf
!)( -$_ adf]lhdsf] ljj/0fx? ;d]t ;dfj]z ul/ ;ldIff jif{sf] sf/f]af/sf] l;+xfjnf]sg, a}+ssf] ljQLo cj:yfsf] ljj/0f, o;
cjlwdf a}+sn] u/]sf] k|ult, cy{tGqsf] ;ldIff tyf a}+sn] xfl;n u/]sf pknAwLx? ;lxtsf] ;~rfns ;ldltsf] k|ltj]bg o; ;efsf]
:jLs[ltsf nflu k|:t't ub{5' .
!= ;ldIff jif{sf] sf/f]af/sf] l;+xfjnf]sg M
lgIf]k ;+sngM
ut cf=j= @)&*÷&( sf] c;f/ d;fGt;DdDff a}+sn] ?=! va{ *^ ca{ $) s/f]8 s'n lgIf]k kl/rfng u/]sf]df ;ldIff jif{ cf=j=
@)&(÷*) sf] c;f/ d;fGt;DdDff !$=@( k|ltztn] j[l4 eO{ ?=@ va{ !# ca{ $ s/f]8 k'u]sf] 5 . s'n lgIf]kdf ;+:yfut
lgIf]ksf] c+z #)=@) k|ltzt /x]sf] 5 . ;ldIff jif{sf] s'n lgIf]kdf -ljb]zL d'b|fsf] lgIf]k ;lxt_ rNtL lgIf]ksf] c+z ^=)(
k|ltzt, d'2tL lgIf]ksf] c+z %(=*! k|ltzt, art lgIf]ksf] c+z @%=($ k|ltzt, dfu]sf] avt ltg'{ kg{] lgIf]k -sn lgIf]k_ sf]
c+z ^=&( k|ltzt / cGo lgIf]ksf] c+z !=#& k|ltzt /x]sf] 5 . a}+sn] ;+:yfut lgIf]ksf] c+z g]kfn /fi6« a}+sn] tf]s]sf] l;df
leq} /xg] ul/ lgIf]k ;+sng ub}{ cfPsf] 5 .
shf{ tyf ;fk6M

ut cf=j= @)&*÷&( sf] c;f/ d;fGt;Dddf a}+sn] ?=! va{ *@ ca{ ( s/f]8 s'n shf{ nufgL u/]sf]df ;ldIff jif{ cf=j=
@)&(÷*) sf] c;f/ d;fGt;DdDff *=$$ k|ltztn] j[l4 eO{ a}+ssf] shf{ nufgL ?=! va{ (& ca{ $^ s/f]8 k'u]sf] 5 . ;ldIff
jif{df a}+sn] nufgL u/]sf] shf{ ;fk6df ljleGg shf{x?sf] c+z lgDg adf]lhd /x]sf] 5 .
qm=;+= ljj/0f cf=j= @)&(÷*) c;f/ d;fGtdf s'n shf{ ;fk6df c+z -∞_
1 cfjlws shf{ 41.87%
2 cf]e/8«fkm\6 3.68%
3 Sof; s|]l86 22.86%
4 6«i6 l/l;K6÷cfoft shf{ 1.25%
5 Dffudf cfwfl/t tyf cGo rfn' k"FhL shf{ 13.31%
6 JolQmut cfjf;Lo shf{ 7.12%
7 l/on :6]6 shf{ 2.64%
8 dflh{g n]lG8Ë shf{ 0.73%
9 xfo/ kr]{h shf{ 2.90%
10 cGo * 3.64%
-*cGo shf{ cGtu{t lzIff, qm]l86 sf8{ nufotsf shf{x? /x]sf]_
Gf]kfn /fi6« a}+saf6 hf/L ul/Psf] PsLs[t lgb]{zg adf]lhd tf]lsPsf If]qdf shf{ k|jfx ;DaGwL Joj:yf cGt{ut a}+ssf] ;ldIff jif{df
s'n shf{sf] phf{ If]qdf (=(% k|ltzt, s[lifdf !!=#( k|ltzt, ko{6gdf #=%@ k|ltzt / n3', 3/]n', ;fgf tyf demf}nf shf{ !!=)#
k|ltzt nufgL /x]sf] 5 .

nufgL M
cf=j= @)&*÷&( sf] c;f/ d;fGt;DDfdf a}+sn] ?=#@ ca{ ( s/f]8 nufgL u/]sf]df ;ldIff jif{ cf=j= @)&(÷*) sf] c;f/ d;fGt;DDfdf
#=@& k|ltztn] j[l4 eO{ ?=## ca{ !$ s/f]8 k'u]sf] 5 . a}+ssf] nufgLdf ;+ul7t ;+:yfsf] z]o/x?df nufgL -;xfos sDkgL
;d]t_ ?=@ ca{ * s/f]8, g]kfn ;/sf/af6 hf/L a08 tyf 6«]h/L ljN;df ?=@& ca{ (( s/f]8, s[lif a08df ?=@ ca{ $) s/f]8 /
ljb]zL a}+sx?df ?=^^ s/f]8 &$ nfv /x]sf] 5 .
;+rfng vr{ M
cf=j= @)&*÷&( sf] c;f/ d;fGt;DdDff a}+ssf] cGo ;+rfng vr{ -z'Ns tyf sldzg vr{ ;d]t_ ?=! ca{ %( s/f]8 /x]sf]df ;ldIff
jif{ cf=j= @)&(÷*) sf] c;f/ d;fGt;Dddf !@=&% k|ltztn] j[l4 eO{ ?=! ca{ *) s/f]8 k'u]sf] 5 . cf=j= @)&*÷&( sf] c;f/
d;fGt;DDfdf a}+ssf] sd{rf/L vr{ -af]g; afx]s_ ?=@ ca{ # s/f]8 /x]sf]df ;ldIff jif{ cf=j= @)&(÷*) sf] c;f/ d;fGt;DDfdf &=$#
k|ltztn] j[l4 eO{ ?=@ ca{ !* s/f]8 k'u]sf] 5 . ;+rfng vr{x? :jLs[t ah]6sf] kl/lw leq /x]sf] 5 .
cfDbfgL M
cf=j= @)&*÷&( sf] c;f/ d;fGt;Dddf a}+sn] ?=* ca{ %$ s/f]8 s'n ;+rfng cfDbfgL u/]sf]df ;ldIff jif{ cf=j= @)&(÷*) sf]
c;f/ d;fGt;Dddf @)=(^ k|ltztn] j[l4 eO{ ?=!) ca{ ## s/f]8 k'u]sf] 5 . ;ldIff jif{df a}+ssf] v'b d'gfkmf ut jif{sf] ?=# ca{
@( s/f]8sf] t'ngfdf @=)* k|ltztn] sdL eO{ ?=# ca{ @@ s/f]8 k'u]sf] 5 . ;ldIff jif{df a}+ssf] v'b Aofh cfDbfgL ut jif{sf]
?=^ ca{ #( s/f]8sf] t'ngfdf #)=^! k|ltztn] j[l4 eO{ ?=* ca{ #$ s/f]8 k'u]sf] 5 . ljb]zL ljlgd]osf] sf/f]af/af6 x'g] d'gfkmf
ut jif{sf] t'ngfdf !#=@^ k|ltztn] sdL eO{ ?=@( s/f]8 %$ nfv /x]sf] 5 .
k'FhLsf]if, shf{ lgIf]k, cfwf/ Aofhb/ / t/ntf cg'kft M

a}+ssf] k'FhLsf]if kof{Kttf cg'kft g]kfn /fi6« a}+saf6 tf]lsPsf] !! k|ltzt eGbf dfly !#=## k|ltzt /x]sf] 5 . To:t}, shf{
;|f]t cg'kft (CD Ratio) tkm{ klg a}+sn] shf{ tyf lgIf]ksf] ;+t'lnt Joj:yfkg ul/ *@=#^ k|ltztdf sfod /fv]sf] 5 . @)*) c;f/
d;fGtsf] t/ntf cg'kft g]kfn /fi6« a}+sn] tf]s]sf] ;Ldfsf] kl/lw leq /lx @(=*% k|ltzt sfod /x]sf] 5 . @)*) c;f/ dlxgfsf]
a}+ssf] cfwf/ Aofhb/ (=%& k|ltzt /x]sf] 5 .
shf{ hf]lvd Aoj:yf M

ahf/df gub k|jfxdf b]lvPsf] ;d:of tyf cfly{s ultljlwdf b]lvPsf] ;':ttfsf sf/0f v/fa shf{df ePsf] j[l4n] ubf{ ut cf=j=
@)&(÷)*) df v/fa shf{ !=$% k|ltzt /x]sf]df ;ldIff jif{sf] cGTodf ;f]df j[l4 eO{ @=&% k|ltzt k'u]sf] 5 . shf{ c;'nL tyf
hf]lvd Joj:yfkgdf a}+s Joj:yfkgaf6 ljz]if k|of; e}/x]sfn] cfufdL lbgdf v/fa shf{sf] cg'kft 36\b} hfg] ck]Iff ul/Psf] 5 .
C0fkq M
;ldIff cf=j=df o; a}+sn] Pp6f !) jif]{ C0fkq hf/L u/]sf] 5 . xfn;Dd hf/L C0fkqsf] ljj/0f lgDg adf]lhd /x]sf] 5 .
C0fkq Hff/L ldlt kl/kSj ldlt Aofh b/ cls+t d"No -bz nfvdf_
PgPdla phf{ C0fkq !
@) h]i7 @)&* @) h]i7 @)(# $=))∞ !,%))
@)(@÷(#
PgPdla phf{ C0fkq @
!) h]i7 @)&( !) h]i7 @)($ $=))∞ @,&@&
@)(@÷(#
PgPdla C0fkq
!! h]i7 @)&* !! h]i7 @)** *=%)∞ @,)))
@)*&÷**
PgPdla C0fkq
@( r}q @)&% @( r}q @)*% !)=))∞ !,^*%
@)*$÷*%
PgPdla C0fkq
#) r}q @)&( @( r}q @)*( !)=&%∞ $,)))
@)*(÷()

;ldIff jif{df a}+ssf] ljQLo cj:yfsf] d'Vo emns b]xfo adf]lhd /x]sf] 5 M -?=xhf/df_
cf=j=@)&(÷*) cf=j=@)&*÷&(
qm=;+= ljj/0f j[l4 /sd j[l4 k|ltzt
c;f/ d;fGtdf c;f/ d;fGtdf
! s'n lgIf]k 21,30,41,945 18,63,99,543 2,66,42,402 14.29%
@ s'n shf{ tyf ;fk6 19,74,65,913 18,20,90,295 1,53,75,618 8.44%
# s'n nufgL -;xfos sDkgLsf] ;d]t_ 3,31,47,402 3,20,97,334 10,50,068 3.27%
$ r'Qmf k'FhL 1,83,66,706 1,83,66,706 - -
% k'FhL kof{Kttf cg'kft -∞_ 13.33 13.59 -0.26 -1.91%
-?=xhf/df_
qm=;+= ljj/0f cf=j=@)&(÷*) df cf=j=@)&*÷&( df j[l4 /sd j[l4 k|ltzt
! v'b Aofh cfDbfgL 83,42,460 63,87,540 19,54,920 30.61%
sldzg tyf l8:sfpG6 / cGo
@ 20,37,619 20,96,239 (58,620) -2.80%
;+rfng cfDbfgL
s'n ljb]zL ljlgdo sf/f]af/af6 ePsf]
# 2,95,357 3,40,508 (45,151) -13.26%
cfDbfgL
$ s'n ;+rfng cfDbfgL 1,03,29,753 85,39,945 17,89,808 20.96%
% s'n ;+rfng vr{ -sd{rf/L ;d]t_ 39,75,094 36,21,215 3,53,879 9.77%
^ ;+rfng d'gfkmf 46,75,322 46,59,387 15,935 0.34%
& v'b d'gfkmf 32,22,547 32,91,094 (68,547) -2.08%
a}+ssf] sfo{If]q tyf zfvf ;~hfn M

xfn a}+sn] @)! j6f zfvfx?, !@ j6f PS;6]G;g sfp06/x? tyf !^! j6f Pl6Pdx?af6 u|fxsx?nfO{ ;]jf k|bfg ub}{ cfPsf] 5 .
k|b]zsf lx;fan] sf]zL k|b]zdf #) j6f zfvf, dw]z k|b]zdf @& j6f zfvf, jfudtL k|b]zdf %! j6f zfvf, u08sL k|b]zdf #* j6f
zfvf, n'lDagL k|b]zdf #@ j6f zfvf, s0ff{nL k|b]zdf # j6f zfvf / ;'b'/klZrd k|b]zdf @) j6f zfvfx? ;+rfngdf /x]sf 5g\ .
u|fdL0f If]qsf hgtfx?nfO{ ;d]t a}+lsË ;'ljwf k|bfg ug]{ p2]Zon] a}+sn] pbok'/, emfkf, df]/Ë, Onfd, ;'g;/L, ;Kt/L, tyf
gjnk/f;L nufotsf lhNnfx?df !@ j6f zfvf /lxt -a|fGrn];_ a}+lsË ;]jf k|bfg ub}{ cfPsf] 5 . h;af6 u|fxsx?n] cfg}
3/ b}nf]af6 a}+lsË ;'ljwf kfPsf 5g\ . To:tf If]qx?df a}+sn] cfgf] lgIf]ksf] nflu dfq ;]jf pknAw u/fpg] geO{ To; If]qsf
hgtfx?nfO{ cfjZostf adf]lhd shf{ k|jfx ;d]t ub}{ cfO{/x]sf] 5 .
ljb]z l:yt ;Dks{ sfof{no M

a}+sn] dn]lzofsf] SjfnfnDk"/ l:yt n]a'x k;f/ a];f/ l:yt lj:df :6]«6;\ 6«]l8Ë lalN8Ëdf :yfkgf u/]sf] ;Dks{ sfof{non] ;Dks{
laGb'sf ?kdf /lx a}+ssf] ljk|]if0f nufotsf Joj;fo j[l4sf nflu sfo{ ub}{ cfPsf] 5 . o;af6 b'O{ b]zaLr Jofkf/ clej[l4 x'g'sf
;fy} g]kfnL cy{tGq Pj+ pknAw ljQLo ;]jf ;DaGwdf hfgsf/L cfbfgk|bfg ug{ ;xof]u ldn]sf] 5 . ;fy}, k|ltlglw sfof{non]
dn]lzog Joj;foLx? tyf ljb]z l:yt cGo ;+:yfx?;Fusf] Jofkfl/s sf/f]af/nfO{ ;xh agfpg] tkm{ ;Dks{ laGb'sf ?kdf
sfo{ ub}{ cfPsf] 5 .
@= /fli6«o tyf cGt/f{li6«o kl/l:yltaf6 sDkgLsf] sf/f]af/nfO{ k/]sf] c;/M

;g\ @)@# el/ ljZj cy{tGq lzlyn /xg] k|If]k0f /x]sf] 5 . cGt/f{li6«o d'b|fsf]ifn] ;g\ @)@# clk|ndf ;fj{hlgs u/]sf]
k|If]k0fcg';f/ ljZj cy{tGq / ljsl;t Pjd\ pbLodfg cy{tGqsf] j[l4b/ ;g\ @)@# df yk sdhf]/ x'g] / ;g\ @)@$ df ;LdfGt
?kn] dfq ;'wf/ x'g] b]lvPsf] 5 . pbLodfg tyf ljsf;f]Gd'v d'n'sx?sf] cy{tGq ;g\ @)@@ df $=) k|ltztn] lj:tf/ ePsf]df
;g\ @)@# df #=( k|ltzt / ;g\ @)@$ df $=@ k|ltztn] lj:tf/ x'g] k|If]k0f /x]sf] 5 . l5d]sL d'n'sx? Eff/t / rLgsf] cy{tGq
;g\ @)@@ df qmdzM ^=* k|ltzt / # k|ltztn] lj:tf/ ePsf]df ;g\ @)@# df qmdzM %=( Kf|ltzt / %=@ k|ltztn] tyf ;g\ @)@$
df qmdzM ^=# k|ltzt / $=% k|ltztn] lj:tf/ x'g] k|If]k0f /x]sf] 5 . ljZj :t/df cem} pRr /x]sf] d'b|f:kmLltdf qmdzM ;'wf/ x'Fb}
hfg] sf]ifsf] k|If]k0f /x]sf] 5 .
;ldIff jif{df b]zsf] j}b]lzs Jofkf/df lu/fj6 cfPsf] 5 . cfly{s jif{ @)&(÷*) sf] gf} dlxgf;Dddf j:t' lgof{t @^=# k|ltzt,
j:t' cfoft !*=! k|ltzt / Jofkf/ 3f6f !&=! k|ltztn] 36]sf 5g\ . ;ldIff jif{sf] gf} dlxgfsf] dfl;s cf};t cfoft ?=!##

ca{ %) s/f]8 /x]sf] 5 . cfoft k|ltaGw / k|tLtkq vf]Nbf gub dflh{g /fVg' kg]{;DjGwL Joj:yf x6fOP;Fu} cfoft / Jofkf/
3f6fsf] 36\bf] qmd eg] sd x'Fb} uPsf] 5 . rfn' vftf ;'wf/ ePklg cem} 3f6fdf /x]sf] 5 tfklg zf]wgfGt/ art ePsf] 5 .
ljk|]if0f cfk|jfx ;'wf/f]Gd'v /x]sf] 5 . cfly{s jif{ @)&(÷*) sf] ( dlxgf;Dddf ljk|]if0f cfk|jfx g]kfnL ?k}ofFdf @$=@ k|ltzt /
cd]l/sL 8n/df !#=( k|ltztn] a9]sf] 5 . j}b]lzs /f]huf/Ldf uPsf g]kfnLsf] ;+VofnfO{ b[li6ut ubf{ ljk|]if0f cfk|jfx cfufdL
dlxgfx?df klg ;Gtf]ifhgs /xg] b]lvG5 . ko{6s cfudg a9]sf] 5 . sf]le8 ;+qmd0f Go"g x'Fb} uPsf] / o; lj?4sf] vf]k ;xh
ePsf] jt{dfg cj:yfnfO{ b[li6ut u/L ljZj :jf:Yo ;+u7gn] :jf:Yo ;+s6sfn cGTo u/]sf] 5 . pko'{Qm tYonfO{ b[li6ut ubf{
ko{6g If]q qmlds ?kdf ;'wf/ x'Fb} hfg] b]lvG5 . ljb]zL ljlgdo ;l~rlt Go"gtd nlIft :t/eGbf dfly /x]sf] 5 . lghL If]qtkm{sf]
dfu / ;/sf/L k'FhLut vr{ lzlyn /xFbf klg afXo If]qtkm{sf] rfn' vftf 3f6fdf g} /x]sf] l:ylt 5 . nlIft cfly{s j[l4 xfl;n
ug{ cfjZos nufgL x'g uPdf rfn' vftf yk bafadf kg{ uO{ Aofhb/df k'gMrfk kg]{ ;Defjgf 5 . o;y{, t/ntfsf] l:ylt ;xh
agfO{ Aofhb/df cfPsf] ;'wf/ sfod /fVg ;fj{hlgs ljQ Joj:yfkgsf] 7"nf] e"ldsf /xg] b]lvG5 . afXo If]qdf cfPsf] ;'wf/sf
sf/0f ljQLo k|0ffnLdf t/ntfsf] l:ylt ;xh ePsf] 5 . Aofhb/ qmdzM 36\g yfn]sf] 5 . kmn:j?k, shf{ / cfGtl/s dfu klg
qmdzM a9\b} hfg] b]lvG5 . a}+s tyf ljQLo ;+:yfdf lglij|mo shf{ cg'kft s]xL a9]sf] 5 . cfly{s lzlyntfsf cltl/Qm C0fLsf]
IfdtfeGbf a9L shf{ k|bfg ug]{ k|j[lQ, ljutdf shf{ k|jfxdf ePsf] tLa| lj:tf/ / a}+lsË If]q nlIft u}/Jofj;flos ultljlwsf sf/0f
lglij|mo shf{ a9\g uPsf] 5 . o:tf u}/Jofj;flos ultljlwn] Jofj;flos jftfj/0fdf ;d]t clglZrttf / hf]lvd a9fPsf] 5 .
a}+s tyf ljQLo ;+:yfaf6 k|jfx ePsf] shf{sf] ljBdfg cfsf/, afXo If]q ;'wf/ / ljQLo ;|f]t kl/rfngsf] kl/b[ZonfO{ b[li6ut
ubf{ cfufdL lbgx?df t/ntf / Aofhb/df ;'wf/ cfpg uO{ cfly{s ultljlw rnfodfg x'g yk ;xof]u k'Ug] b]lvG5 . tyflk,
o;nfO{ lbuf] agfpg pTkfbg / pTkfbsTj a9fpg] u/L ;+/rgfTds ;'wf/ sfo{qmd th'{df u/L sfof{Gjog ug'{ cfjZos /x]sf] 5 .
->f]tM df}b|s gLlt @)*)÷*!_
;du|df ljk|]if0fsf] cfk|jfxdf ePsf] ;'wf/ tyf ljb]zL d'b|fsf] ;l~rtLdf ePsf] j[l4sf sf/0f jfx\o If]q ;'wf/pGd'v b]lvPtfklg
cfGtl/s dfudf cfPsf] sdL, lgdf{0f If]qsf] lj:tf/df b]lvPsf] ;d:of tyf k"FhLut vr{sf] sdL nufotsf sf/0fx?n] b]zsf] cfly{s
ultljlwdf cfPsf] ;':ttfn] ubf{ a}+ssf] Joj;fo lj:tf/ tyf shf{ c;'nLdf ;d:of kg{;Sg] b]lvPsf] 5 .
#= rfn' jif{sf] pknlAw / eljiodf ug'{kg]{ s'/fsf] ;DaGwdf ;~rfns ;ldltsf] wf/0ff M
a}+ssf] rfn' cfly{s jif{ @)*)÷*! sf] cflZjg dlxgf;Ddsf] k|d'v ljQLo emnsx? lgDgfg';f/ /x]sf] 5 M
qm=;+= ljj/0f /sd -¿= xhf/df_
! s'n lgIf]k 20,40,18,813
@ s'n shf{ tyf ;fk6 20,03,43,194
# s'n nufgL -;xfos sDkgLsf] ;d]t_ 3,17,60,762
$ v'b Aofh cfDbfgL 22,24,520
% sldzg tyf l8:sfpG6 / cGo ;+rfng cfDbfgL 6,33,405
^ ljb]zL ljlgdo sf/f]af/af6 cfDbfgL 72,632
& s'n ;~rfng cfDbfgL 28,68,025
* s'n ;~rfng vr{ -sd{rf/L ;d]t_ 9,06,958
( ;~rfng d'gfkmf 13,76,013
!) v'b d'gfkmf 9,63,209
!! r'Qmf k'FhL 1,83,66,706
!@ hu]8f tyf sf]ifx? 1,09,62,239
!# k'FhL kof{Kttf cg'kft -∞_ 12.85%
efjL of]hgf M
™ æ;d[4 g]kfnsf] nfluÆ eGg] d'n gf/fsf ;fy a}+sn] lbuf] a}+lsËdf s]lGb|t /lx lbuf] If]qdf cfkm\gf] nufgLnfO{ a9fpb} nlug]5
/ ;f]nfO{ lg/Gt/tf lbO{g]5 .
™ jftfj/0fLo tyf ;fdflhs hf]lvdnfO{ Wofgdf /fVb} k|fyldstfk|fKt If]qdf Joj;fonfO{ lj:tf/ ub}{ n}hfg] 5 . ;fy}, xl/tu[x
Uof; pT;h{gnfO{ sd ug{sf nflu ljif]z /0fgLlt ckgfpFb} cuf8L a9fOg]5 .
™ u|fxs d}qL tyf k|efjsf/L l8lh6n a}+lsË ;]jf lj:tf/nfO{ d'Vo k|fyldstfdf /flvg] 5 .
™ ;]jfsf] u'0f:t/nfO{ j[l4 ub}{ n}hfgsf nflu 5'«6} ;le{; PlS;n]G; o"lg6 v8f ul/ cfjZos hgzlQmsf ;fy sfo{ ub}{ cfPsf]
5 . o;nfO{ cem} k|efjsf/L agfO{g] 5 .

™ shf{sf] u'0f:t/df ;'wf/ ub}{ phf{, s[lif tyf ;fgf tyf demf}nf If]qdf shf{x?sf] cfsf/nfO{ j[l4 ub}{ n}hfg] /0fgLlt lnO{g]
5 .
™ lgIf]k tyf shf{ nufgLnfO{ ;Gt'lnt ?kdf j[l4 ub}{ nlug] 5 .
™ nufgLsf >f]t Joj:yfkgsf nflu ljb]zL a}+s tyf ljQLo ;+:yfx?af6 yk ljb]zL ljlgdodf shf{ lng] tyf g]kfn /fi6« a}+saf6
hf/L lgb]{zg adf]lhd C0fkq hf/L ug]{ k|s[of cl3 a9fPsf] 5 .
™ a}+sn] ;+:yfut ;fdflhs pQ/bfloTj cGtu{t ljleGg sfo{qmdx? ;+rfngzub}{ cfPsf]df cfufdL lbgx?df ;d]t ;f]nfO{
lg/Gt/tf lbOg]5 .
™ eljiosf of]hgfx? tyf /0fgLltx?nfO{ ;kmn agfpg a}+s 9[9;+sNk /x]sf] 5 . a}+ssf] of]hgf tyf /0fgLltx?sf] ;kmn
sfof{Gjogn] a}+snfO{ ;jn tyf ;Ifd agfpg] s'/fdf xfdL ljZj:t 5f+} .
$= cf}Bf]lus tyf Joj;flos ;DaGwM

a}+sn] cfkm\gf ;a} ;/f]sf/jfnfx?;Fu kf/blz{tf / Jofj;flostfsf cfwf/df ;f}xfb{k"0f{ Jofj;flos ;DaGw lj:tf/ u/]sf] 5 .
a}+ssf] efjL k|ult / ;kmntfsf nflu o:tf ;DaGwx? pko'Qm dfWod x'g] ljZjf; xfdLn] lnPsf 5f}+ .
%= ;~rfns ;ldltdf ePsf] x]/km]/M

:jtGq ;~rfns kbdf ldlt @)&(÷)*÷@* ut] a;]sf] ;~rfns ;ldltsf] $$#cf}+ a}7sn] >LdtL aGbgf kf7snfO{ lgo'Qm
u/]sf] 5 .
^= sf/f]af/nfO{ c;/ kfg]{ d'Vo s'/fx?M

a}+ssf] sf/f]af/nfO{ c;/ kfg]{ d'Vo hf]lvd tyf r'gf}tLx? b]xfo cg';f/ /x]sf 5g\ M
™ jt{dfg cfly{s, ;fdflhs tyf /fhg}lts cj:yfsf sf/0f shf{ c;'nLdf b]lvPsf] ;d:ofx? .
™ shf{ k|jfxdf cfPsf] ;+s'rg .
™ j:t' tyf ;]jf lgof{t, ljk|]if0f cfk|jfx, j}b]lzs nufgL / j}b]lzs ;xfotf kl/rfngdfkm{t d'n's lelqg] / j:t' tyf
;]jfsf] cfoft dfkm{t d'n'saf6 aflxl/g] ljb]zL d'b|fsf aLr cGt/sf sf/0f t/ntfdf kg{ uPsf] rfkn] kg{ ;Sg] c;/ .
™ cGt/fli6«o /fhgLltdf cfPsf] kl/jt{g tyf åGbsf sf/0fn] ubf{ phf{sf] d"Nodf j[l4 eO{ dfudf cfPsf] sdLsf sf/0f
nufgLsf] If]qdf b]lvPsf] ;+s'rgaf6 a}+ssf] cfDbfgLdf kg{ ;Sg] c;/ .
™ a}+saf6 k|jfx x'g] shf{ tyf a}+saf6 k|bfg ul/g] u}x|–sf]ifdf cfwfl/t ;]jfx?af6 x'g ;Sg] ;+efljt hf]lvd .
™ t/ntfdf ePsf] ptf/ r9fjsf sf/0f lgIf]k / shf{sf] Aofhb/ Joj:yfkgdf b]lvPsf r'gf}tL .
™ ;ldIff jif{df b]lvPsf] cd]l/sL 8n/sf] d"No j[l4n] ljljw If]qdf b]lvPsf c;/ tyf a}ssf] ljb]zL ljlgdo sf/f]af/
ubf{ ljlgdo b/df x'g] kl/jt{gaf6 x'g;Sg] ;+efljt hf]lvd .
™ /fi6«sf] cfly{s, df}lb|s tyf ljQLo gLlt kl/jt{gaf6 x'g;Sg] ;+efljt hf]lvd .
™ cGt/f{li6«o cfly{s tyf ljQLo If]qsf] lzlyntfaf6 g]kfnL ahf/df kg{ ;Sg] c;/ / ;f]af6 x'g;Sg] hf]lvd .
™ d'b|f lgd{lns/0fnfO{ /f]Sgsf nflu b]zdf s]lGb|s[t tYof+sx? tyf kof{Kt k|ljlwx?sf] cefjsf sf/0f x'g;Sg] hf]lvd .
&= n]vfk/LIf0f k|ltj]bgdf s'g} s}lkmot pNn]v ePsf] eP ;f] pk/ ;~rfns ;ldltsf] k|lts[of M
a}+snfO{ tflTjs c;/ kg]{ s}lkmot gePsf] .
*= nfef+z afF8kmfF8 ug{ l;kmfl/; ul/Psf] /sd M

cfly{s jif{ @)&(÷)*) sf] ljQLo ljj/0f cg';f/ sfod /x]sf] ljt/0f of]Uo d'gfkmfaf6 nfef+z ljt/0f gu/L ;l~rt ug]{ lg0f{o
ePsf] .
(= z]o/ hkmt ePsf] eP hkmt ePsf] z]o/ ;+Vof, To:tf] z]o/sf] c+lst d"No, To:tf] z]o/ hkmt x'g'eGbf cufj} ;f] afkt
sDkgLn] k|fKt u/]sf] hDdf /sd / To:tf] z]o/ hkmt ePkl5 ;f] z]o/ laqmL u/L sDkgLn] k|fKt u/]sf] /sd tyf hkmt ePsf]
z]o/ afkt /sd lkmtf{ u/]sf] eP ;f]sf] ljj/0fM
;ldIff jif{df s'g} klg z]o/ hkmt ePsf] 5}g .
!)= ljut cfly{s jif{df sDkgL / o;sf] ;xfos sDkgLsf] sf/f]af/ k|ult / ;f] cfly{s jif{sf] cGtdf /x]sf] l:yltsf]
k'g/fjnf]sgM
ut cfly{s jif{ @)&(÷*) df a}+ssf] k|utL a'Fbf g+ ! df pNn]v ul/Psf] 5 . To;}u/L, a}+ssf] ;xfos sDkgLx?sf] k|ult a'Fbf
g+= @%-s_ df pNn]v ul/Psf] 5 .

!!= sDkgL tyf o;sf] ;xfos sDkgLn] cfly{s jif{df u/]sf] k|d'v sf/f]af/ / To; cjlwdf sDkgLsf] sf/f]af/df cfPsf] dxTjk"0f{
kl/jt{gM
o; a}+ssf] ;t\k|ltzt :jfldTjdf /x]sf] ;xfos sDkgL PgPdla Soflk6n ln= n] o; a}+ssf] z]o/ /lhi6«f/sf] sfo{ ;d]t ub}{
cfPsf] 5 . ;f] jfkt ;ldIff jif{df pQm sDkgLnfO{ ?=!) nfv e'QmfgL ul/Psf] 5 . ;ldIff jif{sf] cGTodf PgPdla Soflk6n
o; a}+ssf] ;t\k|ltzt :jfldTjdf /x]sf] ;xfos sDkgL PgPdla Soflk6n ln= n] o; a}+ssf] z]o/ /lhi6«f/sf] sfo{ ;d]t ub}{
cfPsf] 5 . ;f] jfkt ;ldIff jif{df pQm sDkgLnfO{ ?=!) nfv e'QmfgL ul/Psf] 5 . ;ldIff jif{sf] cGTodf PgPdla Soflk6n
ln= sf] o; a}+sdf /x]sf] vftfdf ?=!* s/f]8 #( nfv lgIf]k /x]sf] 5 . ;dLIff jif{df a}+sn] ?=! s/f]8 #! nfv Aofh jfkt
PgPdla Soflk6n ln= nfO{ e'QmfgL u/]sf] 5 . a}+sn] 3/ ef8f jfkt ?=@# nfv &! xhf/ k|fKt u/]sf] 5 .
;ldIff jif{df ;xfos sDkgL PgPdla n3'ljQ ljQLo ;+:yf ln=df a}+ssf Ps sd{rf/L Gffoj k|d'v sfo{sf/L clws[tsf ?kdf
sfo{/t /xg' ePsf] 5 .
c;f/ d;fGt @)*) df PgPdla Soflk6n lnld6]8, Pg=Pd=la= ;]So'l/l6h lnld6]8 tyf PgPdla n3'ljQ ljQLo ;+:yf
lnld6]8;Fusf] df}Hbft, nufgL tyf shf{÷;fk6L /sdx? o; k|sf/ ;f/f+zdf lbOPsf] 5 M
-?=xhf/df_
PgPdla Soflk6n PgPdla n3'ljQ ljQLo Pg=Pd=la=
qm=;+= ljj/0f
ln= ;+:yf ln= ;]So'l/l6h ln=
1 nufgL 400,000 172,488 200,000
2 sn, rNtL tyf d'2tL lgIf]k 183,896 7,982 200,683
3 shf{÷;fk6L - 1,119,098 -
sn, rNtL tyf d'2tL lgIf]kdf k|bfg

4 13,143 - 2,421
ul/Psf] Aofh vr{
5 C0fdf Aofh cfDbfgL - 132,837 -
PgPdla Soflk6n lnld6]8n] sfof{no

6 2,371 - -
:yfg k§fdf lnPsf]
PgPdla a}+ssf] z]o/ /lhi6«f/ sfo{
7 1,000 - -
afktsf] e'QmfgL
C0fkq 6«:6L z'Ns PgPdaL a}+såf/f
8 350 - -
e'QmfgL
9 PgPdla a}+snfO{ Joj:yfkg z'Ns e'QmfgL - 3,339 -
PgPdla xfO{la|8 sf]if ! af6 PgPdaL

10 32,130 - -
a}+snfO{ nfef+z e'QmfgL
11 PgPdla %) af6 nfef+z e'QmfgL 37,267 - -
PgPdla Soflk6n lnld6]8af6 PgPdaL

12 40,000 - -
a}+snfO{ nfef+z e'QmfgL
!@= ljut cfly{s jif{df sDkgLsf cfwf/e"t z]o/wgLx?n] sDkgLnfO{ pknAw u/fPsf] ;"rgf tyf hfgsf/LM
;ldIff jif{ cf=j= @)&(÷*) df k|rlnt sfg"g adf]lhd lgoldt hfgsf/L u/fpg' kg]{ ljifo afx]s cGo hfgsf/L k|fKt
gePsf] .
!#= ljut cfly{s jif{df sDkgLsf ;~rfns tyf kbflwsf/Lx?n] lnPsf] z]o/ :jfldTjsf] ljj/0f / sDkgLsf] z]o/ sf/f]af/df
lghx? ;+nUg ePsf] eP ;f] ;DaGwdf lghx?af6 sDkgLn] k|fKt u/]sf] hfgsf/L M
cfly{s jif{ @)&(÷*) df sDkgLsf ;~rfns tyf kbflwsf/Lx? sDkgLsf] z]o/ sf/f]af/df ;+nUg g/x]sf] . lghx?n] lautdf
lnPsf] z]o/ :jfldTjsf] ljj/0f b]xfo adf]lhd /x]sf] 5 .

qm=;+= Gffd kb z]o/ :jfldTj -lsQf_
!_ >L kjg s'df/ uf]Nof0f cWoIf 16,96,732
>L lgsf] lkn -PkmPdcf],
@_ ;~rfns -
g]b/Nof08\;sf]] tkm{af6_
>L hLjg s'df/ s6\jfn
#_ ;~rfns 1,535
-sd{rf/L ;+ro sf]ifsf] tkm{af6_
$_ >L of]u]Gb| nfn k|wfg ;~rfns 16,74,101
%_ >L pQd Enf]g ;~rfns 2,21,971
^_ >L lzl/if s'df/ d'/f/sf ;~rfns 41,145
&_ >L aGbgf kf7s :jtGq ;~rfns -
*_ >L k|bLk /fh kf08] j}slNks ;~rfns -
(_ >L ;'lgn s]=;L= k|d'v sfo{sf/L clws[t 6,595
!)_ >L ;'b]z pkfWofo gfoa k|d'v sfo{sf/L clws[t 5,837
!!_ >L uf]ljGb l3ld/] gfoa k|d'v sfo{sf/L clws[t -
!@_ >L k|df]b s'df/ bfxfn k|d'v ;+rfng clws[t tyf sDkgL ;lrj 406
!#_ >L gljg dfgGw/ k|d'v hf]lvd clws[t -
!$_ >L l>h]z l3ld/] k|d'v nufgL clws[t 1,715
k|d'v clws[t PdP;PdO{ tyf ;lA;8L
!%_ 8f= a'l4 s'df/ dNn 349
shf{
!^_ >L /f]zg /]UdL k|d'v l/6]n a}+lsË clws[t -
!&_ >L k'ikf cof{n k|d'v 6«]8 kmfOgfG; 1,200
!$= ljut cfly{s jif{df sDkgL ;Da4 ;Demf}tfx?df s'g} ;~rfns tyf lghx?sf] glhssf] gft]bf/sf] JolQmut :jfy{sf af/]df
pknAw u/fOPsf] hfgsf/Lsf] Joxf]/f M
o; k|sf/sf] s'g} ;Demf}tf gePsfn] To; ;DaGwdf s'g} v'nf;f ug'{kg]{ gb]lvPsf] .
!%= sDkgLn] cfkm\gf] z]o/ cfkmF} vl/b u/]sf] eP To;/L cfkm\gf] z]o/ vl/b ug'{sf] sf/0f, To:tf] z]o/sf] ;+Vof / c+lst d"No
tyf To;/L z]o/ vl/b ubf{ sDkgLn] e'QmfgL u/]sf] /sdM
;ldIff jif{df cfkm\gf] z]o/ cfkm}n] vl/b gu/]sf] .
!^= cfGtl/s lgoGq0f k|0ffnL eP jf gePsf] / ePsf] eP To;sf] lj:t[t ljj/0fM

cfGtl/s lgoGq0f k|0ffnLnfO{ k|efjsf/L agfpgsf nflu a}+sdf ePsf tyf x'g;Sg] hf]lvdx? Joj:yfkg u/L a}+snfO{ pTs[i6
Pj+ ;an ?kdf ;+rfng ub}{ nufgLstf{x?sf] lxtsf] ;+/If0fsf nflu a}+s ;~rfns ;ldltn] k|rlnt sfg"g tyf g]kfn
/fi6« a}+saf6 ;do ;dodf hf/L x'g] lgb]{zgx?sf] clwgdf /lx hf]lvd Joj:yfkgsf nflu cfjZos gLlt, sfo{ljlwx? agfO{
nfu" u/]sf] 5 . a}+s ;~rfns ;ldltaf6 k|rlnt sfg"g tyf g]kfn /fi6« a}+saf6 hf/L ul/Psf] lgb]{zgx?sf] clwgdf /lx
;~rfns ;ldlt txsf n]vfk/LIf0f ;ldlt, hf]lvd Joj:yfkg ;ldlt, ;DklQ z'4Ls/0f lgjf/0f ;ldlt / dfgj ;+zfwg
;ldlt ul/ rf/ j6f ;ldltx? u7g ul/Psf] 5 . tL ;ldltx?df ljleGg hf]lvdx?sf af/]df kof{Kt 5nkmn x'g] u/]sf] /
;f]sf] af/]df ;~rfns ;ldltnfO{ ;d]t hfgsf/L u/fpg] ul/Psf] 5 . Joj:yfkg txdf sfo{sf/L Joj:yfkg ;ldlt, shf{
hf]lvd Joj:yfkg ;ldlt, ;DklQ tyf bfloTj ;ldlt, dfgj ;+zfwg lgo"lQm ;ldlt, ;"rgf tyf k|ljlw ;ldlt, ;'zf;g ;ldlt
nufotsf ;ldltx?n] a}+ssf] hf]lvd Joj:yfkg ug{sf nflu ljleGg sfo{x? ub}{ cfPsf 5g\ . a}+ssf] cfGtl/s lgoGq0f k|0ffnL
tyf o;sf] k|efjsf/LtfnfO{ ;~rfns ;ldltsf] txaf6} ljz]if ?kdf dxTj lbO{ o;nfO{ yk k|efjsf/L agfpFb} nluPsf] 5 .
;fy}, a}+saf6 u7g ePsf] hf]lvd Joj:yfkg ljefun] :jtGq ?kdf hf]lvdnfO{ k|efjsf/L ?kdf lgoGq0f tyf Joj:yfkg
ug]{ sfo{ ug'{sf ;fy} ;do ;dodf hf]lvd lgoGq0fsf] If]qdf eP u/]sf sfo{x?sf] k'g/fjnf]sg ;d]t ug]{ u/]sf] 5 .
pQm ljefun] k|rlnt sfg'g, g]kfn /fi6« a}+såf/f hf/L ul/Psf lgb]{zgx?, a}+ssf] gLlt tyf sfo{ljlwx? Kffngf eP
gePsf] s'/fx?sf] cg'udg ul/ a}+sdf ;+:yfut ;'zf;g sfod /fVg] sfo{df dxTjk"0f{ of]ubfg ub}{ cfPsf] 5 . a}+ssf]
Joj;flos /0fgLltx? tyf a}snfO{ cfjZos /x]sf] dxTjk"0f{ gLltx? ;~rfns ;ldltaf6 :jLs[t u/fO{ nfu" ul/Psf]
5 / ;f]xL adf]lhd a}+s Joj:yfkgn] hf]lvd Joj:yfkgsf] sfo{ ub}{ cfPsf] 5 . a}+sn] cfGtl/s lgoGq0f k|0ffnLnfO{
dha't agfO{ laleGg hf]lvdx? Joj:yfkg ug{sf nflu sd{rf/Lx?nfO{ ljleGg k|sf/sf tflndx? k|bfg ub}{ cfPsf] 5 .

hf]lvd Joj:yfkgM
hf]lvdx?sf] plrt Joj:yfkg u/L a}+ssf] sfo{ ;Dkfbg r':t agfpg tyf ;+:yfn] ;fdgf ug'{kg{] hf]lvdsf] klxrfg, dfkg,
cg'udg, Joj:yfkg, lgoGq0f / l/kf]l6{ªsf nflu ;'b[9 hf]lvd Joj:yfkg ;+/rgf tof/ u/L a}+sn] sfof{Gjogdf NofPsf] 5 .
a}+sdf cGtlg{lxt vf; dxTjsf d"ne"t hf]lvd (Material Risks) sf] ;fdgf ug{sf nflu ;~rfns ;ldltn] Risk Management
Framework :jLs[t u/L sfof{Gjogdf NofPsf] 5 / ;f]sf] jflif{s ?kdf k'g/fjnf]sg ug]{ cEof;nfO{ lg/Gt/tf lbO{Psf] 5 .
a}+s ;~rfns ;ldltn] a}+sn] axg ug{ rfx]sf] hf]lvd / a}+snfO{ u|fx\o x'g] ;Ldf klxrfg u/L hf]lvd /0fgLlt to ub}{
cfPsf] 5 . a}+s ;~rfns ;ldltn] k|efjsf/L hf]lvd Joj:yfkgsf nflu a}+ssf] hf]lvdnfO{ shf{ hf]lvd, ;~rfng hf]lvd,
t/ntf hf]lvd, ahf/ hf]lvd, Aofhb/ hf]lvd, ljb]zL ljlgdo hf]lvd / cGo hf]lvdx?df jlu{s/0f u/L k|efjsf/L ?kdf
hf]lvdsf] Joj:yfkg ub}{ cfPsf] 5 . a}+ssf] hf]lvd Joj:yfkg tyf cfGtl/s lgoGq0f k|0ffnLnfO{ k|efjsf/L agfpgsf nflu
Joj:yfkg txsf ;ldltx?sf] cnfjf ;~rfns ;ldltsf] txdf b]xfo adf]lhdsf ;ldltx? u7g ul/Psf] 5 .
;~rfns ;ldltsf] txdf u7g ePsf ;ldltx? M
n]vf k/LIf0f ;ldlt M

o; ;DaGwdf a'Fbf g+= !* df pNn]v ul/Psf] 5 .
hf]lvd Joj:yfkg ;ldlt M
Pshgf u}/ sfo{sf/L ;~rfnssf] ;+of]hsTjdf a}+sdf hf]lvd Joj:yfkg ;ldltsf] u7g ul/Psf] 5 . n]vf k/LIf0f ;ldltsf
;+of]hsnfO{ hf]lvd Joj:yfkg ;ldltdf kb]g ;b:osf] ?kdf /flvPsf] 5 . ;ldltdf k|d'v cg'kfngf ljefu, k|d'v
;+rfng clws[t ;b:o tyf hf]lvd Joj:yfkg ljefusf k|d'v ;b:o ;lrj /xg] Aoj:yf ldnfO{Psf] 5 . Joj:yfkg txsf]
hf]lvd ;ldltn] klxrfg u/]sf hf]lvdx?, a}+ssf] q}dfl;s ?kdf hf]lvd Joj:yfkg k|ltj]bg, g]kfn /fi6« a}+saf6 hf/L ePsf
lgb]{zgx?df x'g] d'Vo kl/jt{gx?, df}lb|s gLltdf ePsf kl/jt{gx?sf] sf/0faf6 a}+ssf] /0fgLltdf tTsfn} kg]{ k|efjx? tyf
k'FhL sf]if, t/ntfsf] cj:yf, shf{ lgIf]k cg'kft, a}+ssf] hf]lvd jxg Ifdtf nufotsf d'Vo ljifox?df 5nkmn ug{ o;
;ldltsf] a}7s a:g] u/]sf] 5 . k|To]s qodf;df ;+efljt hf]lvdnfO{ ef/ kl/If0fsf] ;DaGwdf 5nkmn u/L ;~rfns ;ldltdf
hfgsf/L÷k'g/fjnf]sgsf] nflu k]z ug]{ ul/Psf] 5 . ;ldIff jif{df hf]lvd Joj:yfkg ;ldltsf] !) j6f a}7s a;]sf] / pQm
cjwLdf o; ;ldltsf] a}7s eQf afkt ?=#)$,)))÷– vr{ ePsf] 5 .
sd{rf/L ;]jf ;'ljwf ;ldlt M
Pshgf u}/ sfo{sf/L ;~rfnssf] ;+of]hsTjdf yk Pshgf u}/ sfo{sf/L ;~rfns;d]t ;b:o /xg] u/L pQm ;ldlt u7g
ePsf] 5 . pQm ;ldltdf k|d'v sfo{sf/L clws[t tyf k|d'v ljQ clws[t ;b:osf] ?kdf / sd{rf/L k|zf;g ljefusf
k|d'v ;b:o ;lrjsf] ?kdf /xg' ePsf] 5 . sd{rf/Lx?sf] ;]jf ;'ljwf ;DaGwL ljlgodfjnL, sd{rf/L ;DaGwL cGo gLltx?
/ sd{rf/L pQ/flwsf/L of]hgf, sd{rf/Lx?sf] tnj eQf / ;+u7gfTds ;+/rgf cflb ljifox?df o; ;ldltdf 5nkmn ug]{
ul/Psf] 5 . ;ldIff jif{df sd{rf/L ;]jf ;'ljwf ;ldltsf] ^ j6f a}7s a;]sf] / pQm cjwLdf o; ;ldltsf] a}7s eQf jfkt
?=!^,)))÷– vr{ ePsf] 5 .
;DklQ z'4Ls/0f lgjf/0f ;ldltM
Pshgf u}/ sfo{sf/L ;~rfnssf] ;+of]hsTjdf k|d'v cg'kfngf ljefu / k|d'v hf]lvd clws[t ;b:o tyf Dofg]h/ PPdPn
;b:o ;lrj /xg] u/L ;DklQ z'4Ls/0f lgjf/0f ;ldlt u7g ePsf] 5 . o; ;ldltn] ;DklQ z'4Ls/0f lgjf/0f;+u ;DalGwt
sfg"gx?, g]kfn /fi6« a}+saf6 hf/L ul/Psf] lgb]{zgx? tyf a}+ssf] PPdPn gLlt cg'?k sfd sf/jfxLx? eP gePsf / ;f]
;DaGwdf >[lht x'g ;Sg] hf]lvdx?nfO{ lgoGq0f ug]{ cflb ljifox?df 5nkmn ug]{ ul/Psf] 5 . ;ldIff jif{df ;DklQ z'4Ls/0f
lgjf/0f ;ldltsf] & j6f a}7s a;]sf] / pQm cjwLdf o; ;ldltsf] a}7s eQf jfkt hDdf ?=!!@,))).— vr{ ePsf] 5 .
!&= ljut cfly{s jif{sf] s'n Joj:yfkg vr{sf] ljj/0fM
cf=j= @)&(÷*) df o; a}+ssf] sd{rf/L vr{ tyf sfof{no ;+rfng vr{ cGtu{tsf Joj:yfkg vr{x? ?=# ca{ (& s/f]8
/x]sf] 5 .
!*= n]vfk/LIf0f ;ldltsf ;b:ox?sf] gfdfjnL, lghx?n] k|fKt u/]sf] kfl/>lds, eQf tyf ;'ljwf, ;f] ;ldltn] u/]sf] sfd
sf/afxLsf] ljj/0f / ;f] ;ldltn] s'g} ;'emfj lbPsf] eP ;f]sf] ljj/0fM
a}+sn] g]kfn /fi6« a}+ssf] lgb]{zg adf]lhd u}/ sfo{sf/L ;~rfnssf] ;+of]hsTjdf yk Ps hgf u}/ sfo{sf/L ;~rfns ;b:o
/ cfGtl/s n]vfk/LIf0f ljefusf k|d'v ;b:o ;lrj /xg] u/L lgDg adf]lhdsf] n]vfk/LIf0f ;ldltsf] u7g u/]sf] 5 .
>L hLjg s'df/ s6\jfn, ;~rfns – ;+of]hs
>L lzl/if s'df/ d'/f/sf, ;~rfns – ;b:o
>L /~hg kf08], cfGtl/s n]vfk/LIf0f ljefu k|d'v – ;b:o ;lrj

g]kfn /fi6« a}+sn] n]vfk/LIf0f ;ldltsf] nflu tf]s]sf] lgb]{zgsf] kl/lwleq /xL a}+ssf] n]vfk/LIf0f ;ldltn] cfgf] sfo{ ;Dkfbg
ub}{ cfPsf]] 5 . n]vfk/LIfsaf6 k|fKt k|ltj]bgsf ;DaGwdf n]vfk/LIf0f ;ldltdf 5nkmn tyf k'g/fjnf]sg u/L ;'wf/sf] nflu
cfjZos lgb]{zg lbg] u/]sf] 5 . ;ldltn] n]vfk/LIf0f sfo{af6 k|To]s hf]lvdsf If]qx?nfO{ klxrfg u/L k|ltj]bgdf ;f]sf]
;Daf]wg eP gePsf] eGg] ljifodf ljZj:t x'g] u/]sf] 5 . n]vfk/LIfsaf6 k|fKt ePsf] k|ltj]bgnfO{ n]vfk/LIf0f ;ldltdf 5nkmn
tyf k'g/fjnf]sg u/L ;do ;dodf ;~rfns ;ldltdf k]z ug]{ ul/Psf] 5 . n]vfk/LIf0f ;ldltaf6 lgoldt ?kdf ;~rfns
;ldltdf ;'emfjx? k|fKt eO{/x]sf] 5 .
;ldIff jif{df n]vfk/LIf0f ;ldltsf] ^ j6f a}7s a;]sf] lyof] . ;ldIff jif{df o; ;ldltsf] a}7s eQf afkt hDdf ?=!,^),))).–
vr{ ePsf] 5 . ;b:o ;lrjnfO{ a}7s eQf k|bfg ug]{ ul/Psf] 5}g\ .
;~rfns ;ldltsf] txdf u7g ePsf pk/f]Qm ;ldltx?sf kbflwsf/Lx?nfO{ k|lt a}7s ?=!^,))).– a}7s eQf k|bfg
ul/Psf] 5 .
!(= ;~rfns, k|aGw ;~rfns, sfo{sf/L k|d'v jf cfwf/e"t z]o/wgLx? jf lghsf] glhssf gft]bf/x? jf lgh ;+nUg /x]sf]
kmd{, sDkgL jf ;+ul7t ;+:yfn] sDkgLnfO{ s'g} /sd a'emfpg afFsL eP To;sf] ljj/0fM
;ldIff jif{df To:tf] s'g} /sd gePsf] .
@)= ;~rfns, sfo{sf/L k|d'v tyf cGo kbflwsf/Lx?nfO{ e'QmfgL ul/Psf] kfl/>lds, eQf jf cGo ;'ljwfsf] /sdM
o;} k|ltj]bgsf] cltl/Qm n]vf l6Kk0fLsf] a'Fbf g+= #& df pNn]v ul/Psf] 5 .
@!= z]o/wgLx?n] a'lemlng afFsL /x]sf] nfef+z /sdM

@)*) cfiff9 d;fGtdf z]o/wgLx?n] a'lemlng afFsL /x]sf] nfef+z a}+sdf ?=@#,!%,%**÷– / z]o/ /lhi6«f/ PgPdla Soflk6n
ln= df ?=@&,&%,**,%%# ul/ s'n @&,((,)$,!$! /x]sf] 5 . cfly{s jif{ @)^(÷)&) ;Ddsf] z]o/wgLx?n] a'lemlng afFsL nfef+z
nufgLstf{ ;+/If0f sf]ifdf hDdf ul/Psf] 5 . a+}sn] nfef+z a'lemlng] ;DaGwdf z]o/wgLx?sf] hfgsf/Lsf nflu /fli6«o b}lgs
klqsfdf ;d]t k|To]s jif{ ;"rgf k|sflzt ug]{ u/]sf] 5 .
@@= sDkgL P]g, @)^# sf] bkmf !$! cg';f/ v/Lb jf laqmL ul/Psf] ;DklQsf] ljj/0fM
;dLIff jif{df o;k|sf/sf] s'g} v/Lb laqmL ePsf] 5}g . rfn' cf=j= df a}+sn] sfof{no k|of]hgsf nflu sf=lh= sf=d=kf= j8f
g+= ! gS;fndf s'n If]qkmn !)% bzdna %^@% cfgf hUuf vl/b u/]sf] 5 .
@#= sDkgL P]g, @)^# sf] bkmf !&% cg';f/ ;Da4 sDkgLx?aLr ePsf] sf/f]af/sf] ljj/0fM
o;} k|ltj]bgsf] a"Fbf g+= !! df rrf{ ul/Psf] 5 .
@$= sDkgL P]g, @)^# tyf k|rlnt sfg"gadf]lhd ;~rfns ;ldltsf] k|ltj]bgdf v'nfpg'kg]{ cGo s'g} s'/fx?M
o; jflif{s k|ltj]bgdf ;fGble{s 7fpFdf v'nfO{Psf] 5 .
@%= cGo cfjZos s'/fx? M

-s_ ;xfos sDkgL / o;sf k|ultx?M
PgPdla Soflk6n ln=

a}+ssf] k"0f{ :jfldTjdf /xg] u/L ;xfos sDkgLsf] ?kdf PgPdla Soflk6n lnld6]8sf] :yfkgf ePsf] xf] . o; sDkgLn]
cfly{s jif{ @)&(÷*) df !M! sf] cg'kftdf ?=@) s/f]8 a/fa/sf] xsk|b z]o/ hf/L u/]sf] 5 . ;f] hf/L ul/Psf] xsk|b
z]o/sf] afF8kmfF8 kZrft xfn sfod /x]sf] z]o/ ;+Vof $) nfv lsQf z]o/ a/fa/sf] ?=$) s/f]8 k"FhL d'Vo sDkgL PgPdla
a}+s lnld6]8af6 nufgL ePsf] 5 . o; sDkgLn] lgisfzg Joj:yfkg, k|Tofe"lt ;]jf, z]o/ /lhi6«f/, nufgL Joj:yfkg,
l8kf]lh6/L, sf]if Joj:yfks, lgIf]k ;b:o, ;+:yfut k/fdz{ ;]jf cflb ;]jfx? k|bfg ub}{ cfO{/x]sf] 5 . cf=j= @)&(÷*) sf] cfiff9
d;fGtdf sDkgLn] ?=@#,^&,$!,%(@÷$# cfDbfgL u/]sf] 5 eg] s/ kl5sf] d'gfkmf ?=(,!),$@,*!&÷@& cfh{g u/]sf]] 5 . sDkgLsf]
;~rfns ;ldltsf] j}7sn] cf=j= @)&(÷)*) sf] d'gfkmfaf6 !& k|ltzt gub nfef+z -s/ ;d]t_ ljt/0f ug{ k|:tfj u/]sf]
5 .

o; sDkgLn] ;ldIff jif{df $ j6f k|fylds z]o/sf] lgisfzgsf] sfo{ ;DkGg u/]sf] 5 . ;fy}, yk # j6f sDkgLsf] k|fylds
z]o/sf] lgisfzgsfnflu ;Demf}tf u/]sf] 5 . ;ldIff jif{df o; sDkgLn] æPgPdla xfOla|8 km08 Pn—!Æ, æPgPdla lkm6LÆ,
æPgPdla ;/n art km08–OÆ / æPgPdla ;'ne OGe]i6d]G6 km08—@Æ sf] of]hgf Joj:yfks tyf l8kf]lh6/Lsf] ?kdf sfo{
ub}{ cfPsf] 5 . sDkgLn] rfn' jif{df ( j6f k|fylds z]o/sf] ;fj{hlgs lgisfzg ug]{ of]hgf ;lxt ;f]sf] sfo{ cuf8L
a9fPsf] 5 . ;fy}, rfn' jif{df o; sDkgLn] 5}7f}+ of]hgfsf] ?kdf æPgPdla xfOla|8 km08 Pn—@Æ gfds aGbd'vL of]hgfsf]
;+zf]lwt ljj/0fkq g]kfn lwtf]kq af]8{df k'gM k]z u/L clGtd :jLs[ltsf] k|lqmofdf /x]sf] 5 . ;ldIff jif{sf] cGt;Dddf @!
j6f sDkgLx?sf] z]o/ /lhi6«f/sf] ?kdf ;]jf k|bfg ub}{ cfO{/x]sf] 5 .
;ldIff jif{sf] cGtdf s'n @,^*,(&( lxtu|fxL vftf ;~rfngdf /x]sf] 5 . sDkgLn] cfgf] Joj;fo lj:tf/ tyf nufgLsf]
bfo/f km/flsnf] kfg]{ / cfgf] sfd sf/f]af/nfO{ cem a9L Jojl:yt / k|efjsf/L 9Ën] ;~rfng ub}{ hfg]5 .
PgPdla Soflk6n lnld6]8sf] ljQLo cj:yf ljj/0f

jf;nft
;DklQ cfiff9 d;fGt @)*) cfiff9 d;fGt @)&(
gub tyf gub ;dfg 634,364,166.77 572,347,009.97
FVTPL df dfkg ul/Psf] lwtf]kq nufgL 92,736,216.25 25,228,530.90
FVTOCI df dfkg ul/Psf] lwtf]kq nufgL 85,717,516.60 52,105,000.00
kl/zf]lwt nfutdf dfkg ul/Psf] lwtf]kq nufgL 268,247,360.00 230,000,000.00
cGo ljQLo ;DklQ 40,306,870.33 138,018,924.32
cGo ;DklQ 60,904,326.44 -
;DklQ / pks/0f 33,055,269.29 18,680,066.88
cd"t{ ;DklQ 927,649.35 1,413,848.87
rfn' s/ ;DklQ 8,800,839.30 4,728,537.86
:yug s/ ;DklQ 3,774,300.89 8,313,988.34
hDdf ;DklQ 1,228,834,515.22 1,050,835,907.14
bfloTjx?
;j{;fwf/0fnfO{ ltg{ afFsL 422,707,422.65 538,960,663.40
cGo ljQLo bfloTj 87,787,070.48 39,821,399.98
cGo bfloTj 29,900,570.91 25,959,930.59
rfn' s/ bfloTj - -
:yug s/ bfloTj - -
cGo Joj:yf 8,111,157.47 14,630,432.24
s"n bfloTj 548,506,221.51 619,372,426.21
k"FhL
z]o/ k"FhL 400,000,000.00 200,000,000.00
;+lrt gfkmf 232,309,114.14 192,821,823.18
cGo hu]8f 48,019,179.57 38,641,657.75
hDdf k"FhL 680,328,293.71 431,463,480.93
hDdf bfloTj / k"FhL 1,228,834,515.22 1,050,835,907.14

PgPdla Soflk6n lnld6]8sf] ljQLo cj:yf ljj/0f
gfkmf gf]S;fg lx;fa
ljj/0f cf=j= @)&(÷*) cf=j= @)&*÷&(
cfDbfgL
lwtf]kq Joj:yfkgaf6 cfDbfgL 62,159,178.02 104,947,639.84
Do'r'cn km08sf] Joj:yfkgaf6 cfDbfgL 73,785,326.32 65,938,330.10
Aofh cfDbfgL - -
cGo ;~rfng cfDbfgL 95,527,782.09 80,078,695.87
Jofkf/sf nflu Held u/]sf] ljQLo nufgLdf ePsf] v'b
5,269,306.00 (673,565.42)
cfDbfgL÷-gf]S;fgL_
s"n vr{ 236,741,592.43 250,291,100.39
sd{rf/L ;DaGwL vr{ 56,889,569.57 47,938,554.72
Aofh vr{ 1,697,196.62 -
;DklQ / pks/0fdf x|f; s6\6L 6,160,267.00 4,825,659.30
cd't{ ;DklQdf kl/iff]wg 486,199.52 508,799.52
/fO{6 6' o'h ;DklQdf x|f; s6\6L 2,066,743.55 -
u}/ ;~rfng vr{ 37,741,336.45 51,594,861.78
hDdf vr{ 105,041,312.71 104,867,875.32
s/ cl3sf] ;~rfng d'gfkmf 131,700,279.72 145,423,225.07
cfos/ vr{ 36,030,596.75 43,626,967.52
:yug s/ vr{÷-cfDbfgL_ (4,626,865.70) 2,872,629.57
o; jif{sf] d'gfkmf 91,042,817.27 104,668,887.12
PgPdla n3'ljQ ljQLo ;+:yf ln=
PgPdla a}+ssf] csf]{ ;xfos sDkgLsf] ?kdf /x]sf] PgPdla n3'ljQ ljQLo ;+:yf lnld6]8sf] r'Qmf k'FhL ?=&@ s/f]8 !$ nfv $(
xhf/ ! ;o $( dfq /x]sf]df PgPdla a}+ssf] %! Kf|ltzt / cGo ;+:yfks JolQmx?sf] !( k|ltzt / ;j{;fwf/0fsf] #) k|ltzt
z]o/ :jfldTj /x]sf] 5 . kf]v/f dxfgu/kflnsf j8f g+= @% ldngrf]s, x]Dhf, sf:sLdf d'Vo sfof{no /x]sf] o; ljQLo ;+:yfsf]
lxdfNfL tyf kxf8L If]qsf cf=j= @)&(.)*) ;Dddf ^* j6f lhNnfx?df !$* j6f zfvf tyf pkzfvfx? ;+rfngdf /x]sf 5g\ .
ljQLo ;+:yfsf] @)&( cfiff9 d;fGt;Dddf shf{ k|jfx ?=% ca{ # s/f]8 @% nfv !! xhf/ ^ ;o ^$ / lgIf]k ?=! ca{ %$ s/f]8
&# nfv !$ xhf/ * ;o ( /x]sf] 5 .
?=xhf/
k"FhL tyf bfloTj cfiff9 d;fGt @)*) cfiff9 d;fGt @)&(
z]o/ k"FhL 7,21,449 6,55,863
hu]8f tyf sf]ifx? 2,85,749 3,79,977
C0fkq tyf a08 - -
ltg{ afFsL shf{ ;fk6 26,85,730 30,03,833
lgIf]k bfloTj 15,47,315 19,71,586
k|:tfljt nfef+z - -
cfos/ bfloTj - 16,141
cGo bfloTj 1,75,133 1,72,257
s"n k"FhL tyf bfloTj 54,15,376 61,99,657

;DklQ cfiff9 d;fGt @)*) cfiff9 d;fGt @)&(
gub df}Hbft -l;Ssf ;d]t_ 1,734 7,930
g]kfn /fi6« a}+sdf /x]sf] df}Hbft 27,000 27,000
a}+s÷ljQLo ;+:yfdf /x]sf] df}Hbft 1,91,641 25,660
dfu tyf cNk ;'rgfdf k|fKt x'g] /sd 1,17,706 2,22,680
nufgL 92,000 2,000
shf{ ;fk6 48,68,935 58,04,178
l:y/ ;DklQ 87,182 94,001
u}/ a}+lsª\ ;DklQ - -
cGo ;DklQ 29,178 16,208
s"n ;DklQ 54,15,376 61,99,657
PgPdla n£f'ljQ ljQLo ;+:yf ln=

gfkmf gf]S;fg lx;fa ?=xhf/
ljj/0f cf=j= @)&(÷*) cf=j= @)&*÷&(
Aofh cfDbfgL 7,93,627 8,39,251
Aofh vr{ 4,65,472 3,87,657
v"b Aofh cfDbfgL 3,28,155 4,51,594
sldzg tyf cGo ;~rfng cfDbfgL 62,490 72,693
;6xL 36a9 cfDbfgL - -
s'n ;+rfng cfDbfgL 3,90,645 5,24,287
sd{rf/L vr{ 2,33,532 2,16,678
cGo ;~rfng vr{ 1,27,153 1,13,315
;6xL 36a9 gf]S;fg - -
;Defljt gf]S;fgL Joj:yf cl3sf] ;~rfng d"gfkmf 29,960 1,94,294
;Defljt gf]S;fgL Joj:yfx? 3,65,336 1,62,094
;+rfng d"gfkmf (3,35,376) 32,200
u}/ ;~rfng cfDbfgL÷vr{ 626 (196)
;Defljt gf]S;fgL Joj:yfaf6 lkmtf{ 3,01,500 1,50,807
lgoldt sf/f]af/af6 ePsf] d"gfkmf (33,249) 1,82,811
c;fdfGo sf/f]af/x?af6 ePsf] cfDbfgL÷vr{ - -
;Dk'0f{ sf/f]af/ ;dfj]z kl5sf] v"b d"gfkmf (33,249) 1,82,811
sd{rf/L af]g; Joj:yf

cfos/ Joj:yf 3,854 70,501
o; jif{sf] s/ Joj:yf - 66,774
ljut jif{;Ddsf] s/ Aoj:yf - -
o; jif{sf] :yug s/ -cfDbfgL_÷vr{ 3,854 3,727
v"b gfkmf÷gf]S;fg (37,103) 1,12,310
Gff]6 M PgPdla n3'ljQ ljQLo ;+:yfsf] jf;nft tyf gfkmf gf]S;fg lx;fj PgPkmcf/P; adf]lhd tof/ ul/ k|sfzg ug'{kg]{df of] k|ltj]bg tof/ kfbf{;Dd
pQm ;+:yfn] PgPkmcf/P; adf]lhd ;ldIff cf=j= sf] jflif{s lx;fa tof/ ul/ g;s]sf] .

Pg=Pd=la ;]So"l/6Lh ln= M PgPdla a}+ssf] ;t\k|ltzt :jfldTj /x]sf] ;xfos sDkgLsf] Pg=Pd=la ;]So"l/6Lh lnld6]8sf] r'Qmf k'FhL
?=@) s/f]8 /x]sf] 5 . sDkgLn] l;ldt lwtf]kq bnfnsf] sfd ug{sf nflu lwtf]kq af]8{ ;dIf cg'dlt dfu ul/ lgj]bg k]z u/]
sf]df lwtf]kq af]8{af6 cg'dlt k|fKt EfO{ g]kfn :6s PS;r]Ghaf6 ldlt @)*)÷%÷( df ;b:otf k|fKt ePsf] / rfn' cf=j= af6 o;
;+:yfn] cfkm\gf] sf/f]af/ yfngL ul/ ;s]sf] 5 .
Pg=Pd=la= ;]So'l/l6h ln=

jf;nft
ljj/0f cfiff9 d;fGt @)*) cfiff9 d;fGt @)&(
u}/–rfn" ;DklQ
;DklQ / pks/0f 2,492,231 -
VoftL tyf cd't{ ;DklQ - -
:yug s/ ;DklQ - -
s'n u}/–rfn" ;DklQ 2,492,231 -
rfn" ;DklQ
d;nGb df}Hbft - -
p7\g afFsL cf;fdL - -
rfn' s/ ;DklQ 513,082 -
gub tyf gub ;dfg 100,683,180 -
clu|d e'QmfgL tyf lgIf]k 100,000,000 -
s'n rfn" ;DklQ 201,196,262 -
hDdf ;DklQ 203,688,493 -
k"FhL
z]o/ k"FhL 200,000,000 -
hu]8f 1,052,101 (80,000)
s'n OlSj6L 201,052,101 (80,000)
u}/–rfn" bfloTjx¿
bL3{sfnLg C0f / pwf/f] - -
:yug s/ bfloTj - -
s'n u}/–rfn" bfloTjx¿ - -
rfn" bfloTjx¿
5f]6f] cjlwsf] C0f / pwf/f] - -
Jofkf/ e'QmfgL - -
rfn' s/ bfloTj 451,415 -
sd{rf/L nfex¿ - -
Joj:yf 175,946 -
cGo bfloTj 2,009,031 80,000
s'n rfn" bfloTjx¿ 2,636,392 80,000
s'n bfloTjx? 2,636,392 80,000
hDdf bfloTj / k"FhL 203,688,493 -

gfkmf gf]S;fg lx;fa
ljj/0f cfiff9 d;fGt @)*) cf=j= @)&*÷&(

;+rfng cfDbfgL - -
k|ToIf vr{ 25,915 -
s"n gfkmf (25,915) -
cGo cfDbfgL 2,420,548 -
;+rfng vr{ 408,604 20,000
v'b ;+rfng cfDbfgL÷vr{ 1,986,029 (20,000)
x|f; s6\6L / kl/zff]wg 226,567 -
af]g; / s/ cl3 gfkmf 1,759,463 (20,000)
sd{rf/L af]g; 175,946 -
cfo s/ cl3sf] gfkmf 1,583,516 (20,000)
cl3Nnf] jif{sf] 3f6fsf] ;dfof]hg (80,000)
s/ of]Uo cfo 1,503,516
cfos/ vr{ 451,415 -
rfn' s/ 451,415 -
:yug s/ vr{÷-cfDbfgL_ - -
o; cjlwsf] gfkmf gf]S;fg 1,132,101 (20,000)
-v_ ;+:yfut ;fdflhs pQ/bfloTjM

a}+sn] g]kfn /fi6« a}+saf6 hf/L ePsf] lgb]{zg adf]lhdsf] /sd a}+ssf] ;+:yfut ;fdflhs pQ/bfloTj cGt{ut 5'6\ofO{ ;f]lx adf]lhd
lgodgsf/L lgsfosf] lgb]{zgsf] kl/lwleq /lx lzIff, :jf:Yo, jftfjf/0f, ljQLo ;fIf/tf / u|fxs ;+/If0f, ;Dkbf ;+/If0f, k|fs[lts
k|sf]k Joj:yfkg nufot ljleGg If]qx?df vr{ u/]sf] 5 . a}+ssf] ;+:yfut ;fdflhs pQ/bfloTj ;jn 9+un] ;+rfng tyf axg
ug{sf nflu k|d'v sfo{sf/L clws[t ;+of]hs /xg] ul/ Ps ;+:yfut ;fdflhs pQ/bfloTj ;ldlt u7g ul/Psf] 5 . ;ldIff jif{df
a}+sn] (# nfv #! xhf/ ;+:yfut ;fdflhs pQ/bfloTjdf vr{ u/]sf] 5 .
-u_ dfgj ;+zfwgM

o; a}+ssf] efjL of]hgfsf] ;kmn sfof{Gjog tyf a}+ssf] ;du| ljsf;sf nflu k|lta4 sd{rf/Lx?sf] cfjZostfnfO{ dWogh/
ub}{ sd{rf/Lx?sf]] ljsf; tyf Joj:yfkgdf a}+sn] ljz]if Wofg lbPsf] 5 . cfhsf] k|lt:kwf{Tds jftfj/0fdf dfgj ;+zfwgsf] ljsf;
tyf ;f]sf] k|efjsf/L Joj:yfkgn] dfq cfgf u|fxsx?nfO{ ;Gt'i6L k|bfg ug{ ;Sg] / o;n] ahf/df a}+ssf] k|efjsf/L pkl:ylt
agfO{ /fVg d'Vo e'ldsf v]Ng] ePsfn] klg sd{rf/Lx?sf] Ifdtf ljsf; tyf Joj:yfkgdf a}+sn] ljz]if Wofg lbPsf] xf] . a}+sn]
sd{rf/Lsf] j[lQ ljsf;nfO{ ;3fpgsf nflu cfGtl/s tyf afXo tflndx? ;+rfng ub}{ cfPsf 5 . ;ldIff cjlwdf clwsf+z
sd{rf/Lx?n] cfGtl/s tflnd k|fKt u/]sf 5g\ . To;}u/L, !% j6f jfX\o tflnd ePsf]df !)# hgf sd{rf/Lx?n] b]z aflx/sf] tflnd
tyf ;]ldgf/df efu lng] cj;/ kfPsf 5g\ .
;ldIff jif{df sd{rf/Lx?sf] ;+Vof !(*) k'u]sf] 5 . h;df dlxnf sd{rf/Lx?sf] ;+Vof &*# hgf / k'?if sd{rf/Lx?sf] ;+Vof !!(&
hgf /x]sf] 5 . xfn a}+sdf !% jif{eGbf nfdf] cjlw;Dd ;]jf ug]{ sd{rf/Lx?sf] ;+Vof $), !) jif{eGbf nfdf] cjlw;Dd ;]jf ug]{
sd{rf/Lx?sf] ;+Vof (& / % jif{eGbf nfdf] cjlw;Dd ;]jf ug]{ sd{rf/Lx?sf] ;+Vof !)$@ k'u]sf] 5 .
-3_ u'gf;f] ;'gjfO{ ;DaGwL Joj:yf M

;]jfu|fxLnfO{ kg]{ c;'ljwf tyf ;j{;fwf/0fsf] u'gf;f] ;'gjfO{ ug{sf nflu a}+s Joj:yfkg ;d'xsf ;b:o ;d]t /x]sf gfoa k|d'v
sfo{sf/L clws[t >L ;'b]z pkfWofonfO{ u'gf;f] ;'gjfO{ clws[t tf]lsPsf] 5 . ;fy}, u|fxssf] u'gf;f] ;'gjfO{sf nflu a}+ssf]
j]j;fO6df cgnfO{g kf]6{nsf] ;d]t Joj:yf ul/Psf] 5 . ;ldIff jif{df a}+ssf] zfvf sfof{nox?, d'Vo sfof{no, x6nfO{g tyf sn
;]G6/ dfkm{t !$%* j6f ;d:of tyf u'gf;fx? k|fKt ePsf]df shf{ c;'nL;+u ;DalGwt nufotsf sfg"gL k|s[of dfkm{t ;dfwfg
x'g'kg]{ u'gf;f]x? afx]ssf cGo u'gf;f]x? ;dodf g} ;dfwfg ul/Psf] 5 .

-ª_ ;+:yfut ;'zf;g M a}+lsË If]qsf ;fy} ;du| cy{tGqsf] ljsf;sf nflu k|efjsf/L ;'zf;g cfjZos 5 . a}+sn] lgIf]kstf{x?af6
k|fKt /sdnfO{ shf{ cfjZos k/]sf u|fxsx?nfO{ nufgL ub}{ cfPsf] 5 . o;af6 cfly{s j[l4nfO{ cuf8L a9fpg d2t k'u]sf]
5 . ljQLo :yfloTj / Joj;fo ;~rfng cfly{s :jf:Yosf] s]Gb|ljGb' xf] . ljQLo k|0fflndf dxTjk"0f{ e'ldsf v]Ng] a}+sx?df
/x]sf] ;'zf;gsf] sdhf]/Lx?n] a}+lsË If]q / ;du| cy{tGqdf ;d:ofx?sf] phfu/ x'g hfg] ePsfn] o;nfO{ xfdLn] dxTjsf ;fy
x]/]sf 5f}+ . PgPdla a}+sdf ;+:yfut ;'zf;gsf nflu ;~rfns ;ldlt :t/sf n]vfk/LIf0f ;ldlt, hf]lvd Joj:yfkg ;ldlt, dfgj
;+;fwg ;ldlt tyf ;DkQL z'l4s/0f lgjf/0f ;ldlt /x]sf 5g\ . To;}u/L, Joj:yfkg txdf k|d'v sfo{sf/L clws[tsf] ;+of]hsTjdf
5'6\6} ;+:yfut ;'zf;g ;ldlt /x]sf] 5 . of] ;ldltn] a}+sdf ;+:yfut ;'zf;gnfO{ k|efjsf/L agfpgsf nflu sfo{ ub}{ cfPsf] 5 .
;+:yfut ;'zf;g clej[l4sf nflu Joj:yfkgåf/f rflnPsf sbd ;DaGwL ljj/0f M

 ;~rfns ;ldltn] :jLs[t u/]sf gLltx?nfO{ sfof{Gjogdf NofO{Psf] .
 Joj:yfkg txdf u7g ul/Psf] ljleGg ;ldltx? -h:t}M ;DklQ tyf bfloTj Joj:yfkg ;ldlt, sd{rf/L kbk"lt{ ;ldlt,
shf{ hf]lvd Joj:yfkg ;ldlt, cfbL_ lqmoflzn /x]sf] .
 cfGtl/s lgoGq0f k|0ffnLnfO{ Jojl:yt ug{ cfGt/Ls n]vfk/LIfsaf6 lgoldt ?kdf n]vfk/LIf0f u/fO{ k|ltj]bgdf
lbOPsf] ;'emfjx?sf] ;dLIff tyf sfof{Gjog u/fpg n]vfk/LIf0f ;ldltsf] a}7s lgoldt a:g] u/]sf] / ;f]af6 k|fKt
lgb]{zgx?nfO{ tTsfn} sfof{Gjogdf NofO{g] ul/Psf] .
 hf]lvd Joj:yfkg ;ldltsf] a}7s lgoldt ?kdf a:g] u/]sf] / ;f] a}7sdf ef/ k/LIf0f, gLlt lgodx?sf] kof{Kttf,
;+rfng hf]lvd h:tf ljifox?df 5nkmn x'g] u/]sf] / Joj:yfkgnfO{ k|fKt lgb]{zgx?nfO{ kfngf ub}{ cfPsf] .
 ;DklQ z'4Ls/0f lgjf/0fnfO{ k|efjsf/L agfpgsf nflu u|fxs klxrfg k4tLnfO{ hf]8 lbFb} ;f] If]q;Fu ;DalGwt
ljifoj:t'x? pk/ ;DklQ z'4Ls/0f lgjf/0f ;ldltdf ;d]t ;do ;dodf 5nkmn x'g] u/]sf] .
 a}lsË sf/f]af/nfO{ Jojl:yt ug{sf ;fy} ;+rfng hf]lvdx? Go"lgs/0f ug{ ljleGg cfGtl/s gLlt, lgod tyf
lgb]{lzsfx? th'{df ul/ nfu" ul/Psf] .
 ;'zf;g ;DaGwdf g]kfn /fi6« a}+s, g]kfn lwtf]kq af]8{, sDkgL /lhi6«f/sf] sfof{no, g]kfn :6s PS:r]~h nufotsf
lgodgsf/L lgsfox?af6 hf/L ePsf lgb]{zgx? kfngf ug]{ ul/Psf] .
 a}+s leq ;+:yfut ;'zf;g sfod u/fpg] x]t'n] ;+:yfut ;'zf;g ;ldltsf] u7g ul/Psf] / ;f] ;DaGwdf ;do
;dodf j}7sdf 5nkmn kZrft ePsf lg0f{ox?nfO{ sfof{Gjog ul/Psf] . a}+sdf ;+:yfut ;'zf;g sfod /fVgdf d'Vo
lhDd]jf/L k|d'v sfo{sf/L clws[tnfO{ lbO{Psf] .
-r_ ;~rfns ;ldltsf] a}7s tyf kbflwsf/Lx?sf] cfr/0f M
ljBdfg P]g tyf a}+ssf] lgodfjnLdf ePsf] Joj:yfx? adf]lhd ;~rfns ;ldltsf] a}7s lgoldt ?kdf a:g] u/]sf] 5 . ;ldIff
jif{df ;~rfns ;ldltsf] a}7s !% j6f a;]sf] 5 . ;~rfns ;ldltsf cWoIf tyf ;b:ox?nfO{ k|lt a}7s qmdzM ?=!*,))).– /
?=!^,))).– a}7s eQf k|bfg ul/Psf] 5 . To;}u/L, g]kfn /fi6« a}+såf/f hf/L ul/Psf] PsLs[t lgb]{zg @)&( sf] lgb]{zg g+ ^ sf]
a'Fbf ! df pNn]v ePsf cfr/0fx? ;~rfns ;ldltsf ;Dk"0f{ kbflwsf/Lx?n] kfngf ub}{ cfpg' ePsf] 5 .
-5_ a}+s Joj:yfkg ;d"x M
a}+ssf] Joj:yfkg ;d"xsf] g]t[Tj k|d'v sfo{sf/L clws[t >L ;'lgn s]=;L= n] ug'{ ePsf] 5 . nfdf] a}+lsË cg'ej ;FufNg' ePsf
>L s]=;L= sf] Joj:yfkg ;d"xdf xfn b]xfosf kbflwsf/Lx? /xg' eO{ pxfFnfO{ ;xof]u k'¥ofpg' ePsf] 5 .
>L ;'b]z pkfWofo gfoa k|d'v sfo{sf/L clws[t
>L uf]ljGb l3ld/] gfoa k|d'v sfo{sf/L clws[t
>L k|df]b s'df/ bfxfn k|d'v ;+rfng clws[t tyf sDkgL ;lrj
>L gljg dfgGw/ k|d'v hf]lvd clws[t
>L >Lh]z l3ld/] k|d'v nufgL clws[t
8f= a'l4 s'df/ dNn k|d'v clws[t dWod, ;fgf tyf demf}nf / cg'bfg shf{
>L /f]zg /]UdL k|d'v l/6]n a}+lsË clws[t
>L k'ikf cof{n k|d'v 6«]8 kmfO{gfG;
wGojfb 1fkg M
cfb/0fLo z]o/wgL dxfg'efjx?, ljleGg lgsfosf k|ltlglwx?, n]vfk/LIfs, sfg"gL ;Nnfxsf/, ;+:yfut ?kdf o; ;fwf/0f ;efdf
k|ltlglwTj ug'{ x'g] k|ltlglwx?, a}+s;Fu ;DalGwt ;a} ;/f]sf/jfnfx?, u|fxs dxfg'efjx?, u'0f:t/Lo / pRr ;]jf k|bfg u/L a}+ssf]
ljQLo glthfdf k|To]s jif{ pNn]vgLo k|ult xfl;n ug{df ;xof]u k'¥ofpg' x'g] a}s Joj:yfkg tyf sd{rf/Lx? nufot cfhsf]
o; ul/dfdo ;efdf kfNg' ePsf ;Dk"0f{ dxfg'efjx?nfO{ a}+s ;~rfns ;ldltsf] tkm{af6 ljz]if wGojfb lbg rfxG5' / cfufdL
lbgx?df o:t} ;xof]usf] ck]Iff /fVb5' .
wGojfb .
;~rfns ;ldltsf] tkm{af6
kjg s'df/ uf]Nof0f
cWoIf ldltM @)*) kf}if @^ ut], laxLaf/ .

cfly{s jif{ @)&(÷)*)
lwtf]kq btf{ tyf lgisfzg lgodfjnL,
lgodfjnL, @)&# sf] cg';"rL – !%
-lgod @^ sf] pklgod @ ;Fu ;DalGwt jflif{s k|ltj]bg_
!= ;~rfns ;ldltsf] k|ltj]bg M

o;};fy ;+nUg ul/Psf] 5 .
@= n]vfk/LIfssf] k|ltj]bg M
#= n]vfk/LIf0f ePsf] ljQLo ljj/0f M

$= sfg"gL sf/jfxL ;DaGwL ljj/0f M

b]xfo cg';f/sf] d'2f bfo/ ePsf] eP, d'2f bfo/ ePsf] ldlt, ljifo, d'2f bfo/ ePsf] ;+:yfks jf ;~rfnssf] gfd / ;DefJo
sfg"gL pkrf/ ;DaGwL ljj/0f ;dfj]z ul/g'kg]{ M
-s_ q}dfl;s cjlwdf ;+ul7t ;+:yfn] jf ;+:yfsf] lj?4 s'g} d'2f bfo/ ePsf] eP M
cfly{s jif{ @)&(÷)*) df a}+sn] shf{ c;"nL, cfos/ tyf a}}+ssf] ;DklQ;+u ;DalGwt u/L #$ yfg d'2fx? bfo/
u/]sf] / a}+ssf lj?4 %$ yfg d'2fx? bfo/ ePsf] ;d]t u/L hDdf ** yfg d'2fx? ljleGg cbfntx?df /x]sf 5g\ .
-v_ ;+ul7t ;+:yfsf] ;+:yfks jf ;~rfnsn] jf ;+:yfks jf ;~rfnssf] lj?4df k|rlnt lgodsf] cj1f jf kmf}hbf/L
ck/fw u/]sf] ;DaGwdf s'g} d'2f bfo/ u/]sf] jf ePsf] eP M
o; a}+ssf] hfgsf/Ldf gePsf] .
-u_ s'g} ;+:yfks jf ;~rfns lj?4 cfly{s ck/fw u/]sf] ;DaGwdf s'g} d'2f bfo/ ePsf] eP M
o; a}+ssf] hfgsf/Ldf gePsf] .
%= ;+ul7t ;+:yfsf] z]o/ sf/f]af/ tyf k|ultsf] ljZn]if0f M

-s_ lwtf]kq ahf/df ePsf] ;+ul7t ;+:yfsf] z]o/sf] sf/f]af/ ;DaGwdf Joj:yfkgsf] wf/0f M
z]o/ sf/f]af/df x'g] ptf/ r9fj v'Nnf ahf/n] lgwf{/0f ug]{ ePsf] x'Fbf ;f]xL d"No tyf dfGotf cg'?k x'g] u/]sf] .
-v_ ut jif{sf] k|To]s q}dfl;s cjlwdf a}+ssf] z]o/sf] clwstd, Go"gtd / clGtd d"Nosf ;fy} s"n sf/f]af/ ;+Vof /
sf/f]af/ ePsf] lbg .
klxnf] q}dfl;s bf]>f] q}dfl;s t]>f] q}dfl;s Rff}yf] q}dfl;s
clwstd d"No @&& @^* @%^ @$$
Go"gtd d"No @@^ @@^ @!% @!^
clGtd d"No @#% @$^ @#% @@^
sf/f]af/ ;+Vof !!,(*( (,(*& !@,)*# !!,##^
sf/f]af/ lbg ^% %@ %^ ^@
^= ;d:of tyf r'gf}tL M

s_ cfGtl/s ;d:of tyf r'gf}tLx? M cfDbfgLsf] t'ngfdf vr{ j[l4nfO{ Joj:yfkg ug{ r'gf}tL, a}+ssf] cfwf/e"t ;+/rgf
Pj+ k|fljlws ljsf;df x'g] vr{, l8lh6fOh]zgsf] a9\bf] k|of]usf sf/0f >[hgf x'g ;Sg] hf]lvd, a}+sdf sfd ul//x]sf
sd{rf/Lx? cWoog tyf /f]huf/Lsf nflu ljb]lzg] / cGo a}+sx?df hfFbf ;f] :yfgx?df bIf dfgj >f]tsf] k"tL{ ug'{,
sf/f]af/df ePsf] j[l4;+u} ;+rfng hf]lvdnfO{ Joj:yfkg ug'{ cflb cfGtl/s ;d:ofsf ;fy} r'gf}tL /x]sf] .
v_ jfx\o ;d:of tyf r'gf}tLx? M t/ntfdf b]lvPsf] ptf/ r9fj, nufgLsf] nflu r'gf}tLk"0f{ jftfj/0f, lgdf{0f sfo{ tyf
Joj;fo rnfodfg gx'Fbf ;d:of, /l;of / o's|]g o'4 lg/Gt/tfsf sf/0f k]6«f]lnod kbfy{ nufotsf cTofjZos
;fdfgx?sf] cfk'lt{df ;d:of tyf ljb]zL d'b|fsf] ljlgdo b/df ePsf] j[l4n] a:t' tyf ;]jfx?sf] d"Nodf j[l4, a}lsË
If]qdf a9\bf] c:j:y k|lt:kwf{ cflbnfO{ a}+sn] jfx\o ;d:of tyf r'gf}tLsf] ?kdf lnPsf] 5 . o:tf] cj:yfdf a}+ssf]
shf{ ;fk6L, shf{ c;'nL tyf Aofhb/df c;/ kg{ uO{ a}+ssf] s"n cfDbfgLdf c;/ ug]{ / kmn:j?k nfef+z ljt/0fdf
;d]t x|f; cfpg] ;Defjgf b]lvG5 .

u_ Joj:yfkgåf/f cjnDag u/]sf] /0fgLlt M a}+ssf] shf{ c;'nL ;+oGqnfO{ l8lh6nfOh]zg dfkm{t k|efjsf/L agfpFb}
nluPsf] . k|ljlwsf] k|of]u u/L s]xL ;fgf shf{x?sf] k|jfx ug{ yflnPsf], lgIf]k ;+sngsf nflu j}slNks >f]t tkm{
s]lGb|t ul/Psf], a}+ssf] cfGtl/s sfo{ k|0ffnLdf vr{ ldtJolotf ckgfO{ lgwf{l/t nIo k|fKt ug]{ /0fgLlt cjnDag
ul/Psf], shf{sf] u'0f:t/nfO{ ;'wf/ ub}{ pTkfbg d'ns If]qdf shf{ nufgL j[l4 ug{ ;fgf tyf demf}nf Joj;fo, phf{,
s[lif tyf n3'ljQ If]qdf nufgLsf] nflu laz]if Wofg lbPsf] . hf]lvd Joj:yfkgsf nflu cfjZos /0fgLlt cjnDag
ub}{ cfO{/x]sf], ;do ;fk]If k|ljlwdf cfwfl/t gofF ;]jfx?sf] ljsf;, a}+sdf /x]sf] hgzlQmnfO{ bIf tyf ;jn agfpgsf]
nflu j[lt ljsf;, k|fljlws 1fg tyf tflndsf] Joj:yf ul/Psf], cflb .
&= ;+:yfut ;'zf;g M

;+:yfut ;'zf;g clej[l4sf nflu Joj:yfkgåf/f rflnPsf sbd ;DaGwL ljj/0f M
-s_ ;~rfns ;ldltn] :jLs[t u/]sf gLltx?nfO{ sfof{Gjogdf NofO{Psf] .

-v_ Joj:yfkg txdf u7g ul/Psf] ljleGg ;ldltx? -h:t}M ;DklQ tyf bfloTj Joj:yfkg ;ldlt, sd{rf/L kbk"lt{ ;ldlt,
shf{ hf]lvd Joj:yfkg ;ldlt, cfbL_ n] cf–cfgf] If]qdf sfo{ u/]sf] .
-u_ cfGtl/s lgoGq0f k|0ffnLnfO{ Jojl:yt ug{ cfGt/Ls n]vfk/LIfsaf6 lgoldt ?kdf n]vfk/LIf0f u/fO{ k|ltj]bgdf lbOPsf]
;'emfjx?sf] ;dLIff tyf sfof{Gjog u/fpg n]vfk/LIf0f ;ldltsf] a}7s lgoldt a:g] u/]sf] / ;f]af6 k|fKt lgb]{zgx?nfO{
sfof{Gjogdf NofO{g] ul/Psf] .
-3_ hf]lvd Joj:yfkg ;ldltsf] a}7s lgoldt ?kdf a:g] u/]sf] / ;f] a}7sdf ef/ k/LIf0f, gLlt lgodx?sf] kof{Kttf,
;+rfng hf]lvd h:tf ljifox?df 5nkmn x'g] u/]sf] / Joj:yfkgnfO{ k|fKt lgb]{zgx?nfO{ kfngf ub}{ cfPsf] .
-ª_ ;DklQ z'4Ls/0f lgjf/0fnfO{ k|efjsf/L agfpgsf nflu u|fxs klxrfg k4tLnfO{ hf]8 lbFb} ;f] If]q;+u ;DalGwt
ljifoj:t'x? pk/ ;DklQ z'4Ls/0f lgjf/0f ;ldltdf ;d]t ;do ;dodf 5nkmn x'g] u/]sf] .
-r_ a}lsË sf/f]af/nfO{ Jojl:yt ug{sf ;fy} ;+rfng hf]lvdx? Go"lgs/0f ug{ ljleGg cfGtl/s gLlt, lgod tyf
lgb]{lzsfx? th'{df ul/ nfu" ul/Psf] .
-5_ ;'zf;g ;DaGwdf g]kfn /fi6« a}+s, g]kfn lwtf]kq af]8{, sDkgL /lhi6«f/sf] sfof{no, g]kfn :6s PS:r]~h nufotsf
lgodgsf/L lgsfox?af6 hf/L lgb]{zgx? k"0f{ kfngf ug]{ ul/Psf] .
-h_ a}+s leq ;+:yfut ;'zf;g sfod u/fpg] x]t'n] ;+:yfut ;'zf;g ;ldltsf] u7g ul/Psf] / ;f] ;DaGwdf ;do ;dodf
j}7sdf 5nkmn kZrft ePsf lg0f{ox?nfO{ sfof{Gjog ul/Psf] . a}+sdf ;+:yfut ;'zf;g sfod /fVgdf d'Vo lhDd]jf/L
k|d'v sfo{sf/L clws[tnfO{ lbO{Psf] .

ljQLo emnsx?

ljQLo emnsx?
s'n lgIf]k kl/rfng -? bz nfvdf_ s'n shf{ ;fk6 -? bz nfvdf_
250,000 250,000
200,000 220,000
150,000 150,000
213,042
197,466
186,400
182,090
100,000 100,000
158,044
166,454
134,810
121,778
91,887
98,517
50,000 50,000
– –
2075/76 2076/77 2077/78 2078/79 2079/80 2075/76 2076/77 2077/78 2078/79 2079/80
s'n nufgL -? bz nfvdf_ s'n ;DkQL -? bz nfvdf_

35,000 350,000
30,000 300,000
25,000 250,000
20,000 200,000
33,147
287,777
15,000 150,000
255,151
32,097
231,547
17,826
10,000 100,000
179,452
135,470
15,371
10,565
5,000 50,000
– –
2075/76 2076/77 2077/78 2078/79 2079/80 2075/76 2076/77 2077/78 2078/79 2079/80
s'n z]o/wgLsf] h]yf -? bz nfvdf_ v'b Aofh cfDbfgL -? bz nfvdf_

30,000 9,000
8,000
25,000
7,000
20,000 6,000
28,434
5,000
8,342
15,000
26,871
4,000
23,944
6,388
20,935
5,661
10,000 3,000
17,403
5,496
2,000
4,244
5,000
1,000
– –
2075/76 2076/77 2077/78 2078/79 2079/80 2075/76 2076/77 2077/78 2078/79 2079/80

s'n ;~rfng cfDbfgL -? bz nfvdf_ v'b gfkmf -? bz nfvdf_
12,000 3,500
10,000 3,000
2,500
8,000
2,000
10,330
6,000
3,223
8,540
1,500
3,291
7,416
6,000
2,711
1,000
6,902
1,713
5,716
2,257
2,000 500
– –
2075/76 2076/77 2077/78 2078/79 2079/80 2075/76 2076/77 2077/78 2078/79 2079/80
lgis[o shf{ ∞ k"FhLsf]if ∞

3% 16.00%
2.68% 2.75%
15.45%
2.27% 15.50% 15.08% 15.08%
3%
15.00%
2%
1.45% 14.50%
2% 14.00%
13.59%
13.33%
13.50%
1% 0.82%
13.00%
1% 12.50%
0% 12.00%
2075/76 2076/77 2077/78 2078/79 2079/80 2075/76 2076/77 2077/78 2078/79 2079/80
s'n ;DklQdf s'n k|ltkmn ∞ zfvf sfof{no ÷ P=l6=Pd

2.00% 1.83% 250
1.80% 201 201
200 181
1.60% 160
1.32% 1.35%
1.40% 1.19% 150
1.09% 110
1.20% 141
133 137 138
1.00% 100
103
0.80%
50
0.60%
0.40% –
0.20%
0.00% 2075/76 2076/77 2077/78 2078/79 2079/80
2075/76 2076/77 2077/78 2078/79 2079/80 zfvf sfof{no P= l6= Pd=

shf{ ld>0f cfiff9 d;fGt @)*)
gub s|]l86 22.86%
6«i6 l/l;K6÷cfoft shf{ 1.25%
dfu tyf cGo rfn' k"FhL shf{ 13.31%
JolQmut cfjfl;o shf{ 7.12%
l/on :6]6 shf{ 2.64%
dflh{g n]lG8Ë shf{ 0.73%
xfo/ kr]{h shf{ 2.90%
cGo 3.64%
cfjBLs shf{ 41.87%
cf]e/ 8«fkm\6 3.68%
lgIf]k ld>0f cfiff9 d;fGt @)*)
cfjlws lgIf]k 59.81%
dflh{g lgIf]k 0.57%
rNtL lgIf]k 6.09%
art lgIf]k 25.94%
sn lgIf]k 6.79%
cGo 0.80%

PgPdla a}+s lnld6]8
PsLs[t ljQLo cj:yfsf] ljj/0f
@)*) ;fn cfiff9 #! ut] -h'nfO{ !^, @)@#_ d;fGtsf] /sd ?=df
;d"x a+}s
ljj/0f gf]6
cfiff9 d;fGt @)*) cfiff9 d;fGt @)&( cfiff9 d;fGt @)*) cfiff9 d;fGt @)&(
;DklQx?
gub tyf gub ;dfg 4.1 24,711,846,600 13,328,689,050 23,958,279,935 12,787,637,052
g]kfn /fi6« a}+sdf /x]sf] df}Hbft 4.2 15,086,500,883 13,774,313,630 15,059,500,883 13,747,313,630
a}+s tyf ljQLo ;+:yfdf /x]sf]

4.3 755,846,186 3,782,288,743 755,846,186 3,782,288,743
df}Hbft
8]l/e]l6e -Jo""TkGg_ ljQLo pks/0f 4.4 10,850,079,131 5,293,773,328 10,850,079,131 5,293,773,328
cGo Jofkfl/s ;DklQx? 4.5 117,486,216 25,228,531 24,750,000 -
a}+s tyf ljQLo ;+:yfx?nfO{

4.6 7,116,529,163 5,920,094,816 7,116,529,163 5,920,094,816
shf{ ;fk6L
u|fxsnfO{ shf{ tyf ;fk6L 4.7 192,803,782,475 179,544,980,682 189,035,400,388 174,948,356,284
lwtf]kqdf nufgL 4.8 32,920,879,704 32,008,951,753 32,374,914,828 31,724,846,753
rfn' s/ ;DklQ 4.9 63,370,306 54,121,104 44,947,624 55,328,905
;lJ;8/L -;xfos_
4.10 - - 772,487,600 372,487,600
sDkgLdf nufgL
;DjGw sDkgLdf nufgL 4.11 - - - -
nufgL ;DklQx? 4.12 697,707,520 295,161,520 697,707,520 295,161,520
;DklQ / pks/0f 4.13 1,874,386,622 1,816,283,677 1,752,799,263 1,764,130,341
VoftL tyf cd't{ ;DklQ 4.14 183,953,012 232,050,768 178,689,829 226,513,150
:yug s/ ;DklQ 4.15 453,510,601 347,278,753 448,411,030 338,964,764
cGo ;DklQ 4.16 4,822,587,351 4,042,756,156 4,706,797,314 3,893,713,394
hDdf ;DklQ 292,458,465,770 260,465,972,511 287,777,140,694 255,150,610,280
gf]6 cfiff9 d;fGt @)*) cfiff9 d;fGt @)&( cfiff9 d;fGt @)*) cfiff9 d;fGt @)&(
bfloTjx?
a}+s tyf ljQLo
4.17 2,737,257,510 2,082,436,338 2,737,257,510 2,082,436,338
;+:yfnfO{ ltg{ afFsL
g]kfn /fi6« a}+snfO{ ltg{ afFsL 4.18 3,285,987,203 8,996,366,529 3,285,987,203 8,996,366,529
8]l/e]l6e -Jo""TkGg_ ljQLo

4.19 11,060,344,567 5,351,098,092 11,060,344,567 5,351,098,092
pks/0fx?
u|fxsaf6 lgIf]k bfloTj 4.20 211,559,440,640 186,501,125,826 210,304,687,147 184,817,106,463
;fk6L 4.21 16,381,535,805 14,745,015,751 14,814,903,379 12,997,400,000
rfn' s/ bfloTj 4.9 - - - -
Joj:yf 4.22 1,630,787 1,600,016 - -
:yug s/ bfloTj 4.15 10,502,497 22,211,034 - -
cGo bfloTj 4.23 5,926,501,955 6,609,408,428 5,227,597,491 5,907,387,378
hf/L ul/Psf] C0fkq 4.24 11,911,942,000 8,127,853,522 11,911,942,000 8,127,853,522
;'/If0f g/flvPsf] ;xfos cfjlws bfloTj 4.25 - - - -
s"n bfloTj 262,875,142,964 232,437,115,536 259,342,719,296 228,279,648,322
k"FhL
z]o/ k"FhL 4.26 18,366,705,959 18,366,705,959 18,366,705,959 18,366,705,959
z]o/ lk|ldod 37,216,210 37,216,210 - -

;d"x a+}s
ljj/0f gf]6
;+lrt gfkmf 1,612,243,465 2,009,904,650 1,140,830,240 1,550,781,367
hu]8f 4.27 9,064,536,984 7,076,559,779 8,926,885,198 6,953,474,633
z]o/wgLx?nfO{
jfF8kmfF8 ug]{ s'n 29,080,702,619 27,490,386,599 28,434,421,397 26,870,961,958
OlSj6L
u}/ lgolGqt :jfy{{ (Non Controlling Interest) 502,620,187 538,470,376 - -
hDdf k"FhL 29,583,322,806 28,028,856,975 28,434,421,397 26,870,961,958
hDdf bfloTj
292,458,465,770 260,465,972,511 287,777,140,694 255,150,610,280
/ k""FhL
;Defljt bfloTj
4.28 179,738,470,926 157,436,300,976 179,738,470,926 157,435,700,976
/ ;°Nk
v'b ;DklQ
158.33 149.68 154.82 146.30
k|lt z]o/
cfhsf] ldltsf] ;+nUg k|ltj]bg cg';f/
;'lgn s]=;L= kjg s'df/ uf]Nof0f s[i0f k|;fb cfrfo{, Pkm=l;=P= /HfgLz bfxfn, Pkm=l;=P=
k|d'v sfo{sf/L clws[t cWoIf ;fem]bf/ ;fem]bf/
s]=Pd\=o'= P08 P;f]l;P6\;, b]j P;f]l;P6\;,
rf6{8{ Psfp06]G6\;\ rf6{8{ Psfp06]G6\;\
lgsf] lkn hLjg s'df/ s6\jfn of]u]Gb| nfn k|wfg pQd Enf]g
;~rfns ;~rfns ;~rfns ;~rfns
lzl/if s'df/ d'/f/sf aGbgf kf7s d[b'n k/fh'nL

;~rfns ;~rfns k|d'v ljQ tyf of]hgf

ldlt M @)*) d+l;/ !# ut]
7]ufgf M PgPdla ejg, aa/dxn, sf7df8f}+

PgPdla a}+s lnld6]8
PsLs[t gfkmf gf]S;fg ljj/0f
@)&( >fj0f ! ut] b]lv @)*) cfiff9 #! ut] ;Ddsf]
-!& h'nfO{ @)@@ b]lv !^ h'nfO{ @)@# ;Dd_ /sd ?=df
;d"x a+}s
ljj/0f gf]6
Aofh cfDbfgL 4.29 27,285,731,788 20,001,353,542 26,622,460,214 19,168,862,594
Aofh vr{ 4.30 18,597,031,165 13,089,558,723 18,280,000,292 12,781,322,752
v'b Aofh cfDbfgL 8,688,700,623 6,911,794,819 8,342,459,922 6,387,539,842
z'Ns tyf sldzg cfDbfgL 4.31 2,117,360,813 1,960,918,135 1,833,472,617 1,689,472,559
z'Ns tyf sldzg vr{ 4.32 288,837,761 216,241,035 286,611,105 216,241,035
v'b z'Ns / sldzg cfDbfgL 1,828,523,052 1,744,677,100 1,546,861,512 1,473,231,524
v'b Aofh, z'Ns / sldzg cfDbfgL 10,517,223,675 8,656,471,919 9,889,321,434 7,860,771,366
v'b Jofkf/ cfDbfgL 4.33 241,554,736 271,732,943 236,285,430 272,406,509
cGo ;+rfng cfDbfgL 4.34 209,793,523 410,387,403 204,146,509 406,766,685
hDdf ;+rfng cfDbfgL 10,968,571,934 9,338,592,265 10,329,753,373 8,539,944,560
shf{sf] Iflt k|ef/÷-ljkoo{_ tyf cGo xfgL 4.35 1,517,656,677 (25,938,691) 1,453,820,570 (37,225,724)
v'b ;+rfng cfDbfgL 9,450,915,257 9,364,530,956 8,875,932,803 8,577,170,284
;+rfng vr{
sd{rf/L vr{ 4.36 2,980,386,533 2,805,540,864 2,689,175,176 2,539,345,989
cGo ;+rfng vr{ 4.37 1,318,834,666 1,238,112,615 1,192,033,693 1,087,916,122
x|f; s6\6L / kl/zff]wg 4.38 358,138,170 305,407,643 319,402,402 290,521,503
;+rfng gfkmf 4,793,555,889 5,015,469,834 4,675,321,533 4,659,386,670
u}/ ;+rfng cfDbfgL 4.39 9,985,780 2,656,853 9,985,780 2,656,853

u}/ ;+rfng vr{ 4.40 76,610,798 46,951,676 76,148,097 46,755,749
cfo s/ cl3sf] gfkmf 4,726,930,871 4,971,175,011 4,609,159,216 4,615,287,774
cfos/ vr{ 4.41

rfn' s/ 1,471,330,376 1,535,394,400 1,434,847,884 1,435,199,261
:yug s/ vr{÷-cfDbfgL_ (41,077,659) (106,845,899) (48,235,961) (111,005,657)
o; cjlwsf] gfkmf 3,296,678,153 3,542,626,510 3,222,547,292 3,291,094,170
gfkmf jfF8kmfF8 M
a}+ssf] z]o/ wgL 3,309,455,889 3,470,516,417 3,222,547,292 3,291,094,170
u}/ lgolGqt :jfy{ (Non Controlling Interest) (12,777,736) 72,110,093 - -
o; cjlwsf] gfkmf 3,296,678,153 3,542,626,510 3,222,547,292 3,291,094,170
k|lt z]o/ cfDbfgL

cfwf/e't k|lt z]o/ cfDbfgL (Basic EPS) 17.95 18.90 17.55 17.92
8fOn'6]8 k|lt z]o/ cfDbfgL (Diluted EPS) 17.95 18.90 17.55 17.92
rf6{8{ Psfp06]G6\;\ rf6{8{ Psfp06]G6\;\


ldlt M @)*) d+l;/ !# ut]

PgPdla a}+s lnld6]8
PsLs[t cGo lj:t[t cfDbfgLsf] ljj/0f
@)&( >fj0f ! ut] b]lv @)*) cfiff9 #! ut] ;Ddsf]
-!& h'nfO{ @)@@ b]lv !^ h'nfO{ @)@# ;Dd_ /sd ?=df
;d"x a+}s
ljj/0f
o; jif{sf] gfkmf 3,296,678,153 3,542,626,510 3,222,547,292 3,291,094,170
cfos/ kl5sf] cGo lj:t[t cfDbfgL
s_ gfkmf÷-gf]S;fg_ df k'gMjlu{s/0f gul/g]

km]o/ Eofn'df d""Nof°g ul/Psf OlSj6L
(149,471,216) 161,595,943 (148,285,926) 167,948,443
pks/0fsf nufgL af6 ePsf gfkmf÷-gf]S;fg_
k'gM d"Nof°gaf6 ePsf gfkmf÷-gf]S;fg_ - - - -
kl/eflift nfe of]hgfaf6 ljdfl°s gfkmf÷-gf]S;fg_ (54,853,731) (43,488,099) (55,748,427) (44,056,108)
dfly pNn]v ul/Psf j'Fbfsf] cfos/ 61,297,484 (19,315,111) 61,210,306 (21,050,458)
gfkmf÷gf]S;fgdf jlu{s/0f gul/g] v'b cGo lj:t[t

(143,027,463) 98,792,733 (142,824,047) 102,841,877
cfDbfgL
v_ gfkmf÷gf]S;fgdf k'gMjlu{s/0f ul/Psf
- - - -
jf ug{ nfos
x]lhËaf6 ePsf] gub k|jfxsf] gfkmf÷-gf]S;fg_ - - - -
;6xL gfkmf÷-gf]S;fg_ -ljb]zL ;+rfngsf] ljQLo

- - - -
;DklQsf] ?kfGt/0fdf ePsf]
dfly pNn]v ul/Psf a'Fbfsf] cfos/ - - - -
gfkmf÷-gf]S;fg_ k'gMjlu{s/0f - - - -
gfkmf÷-gf]S;fg_df k'gMjlu{s/0f ul/Psf jf ug{

- - - -
nfos v'b cGo lj:t[t cfDbfgL
u_ OlSj6L tl/sfaf6 n]vflª\st ;xfos
- - - -
lgsfosf] cGo lj:t[t cfDbfgLsf] c+z
o; jif{sf] cfos/ kl5sf] cGo lj:t[t cfDbfgL (143,027,463) 98,792,733 (142,824,047) 102,841,877
hDdf lj:t[t cfDbfgL 3,153,650,691 3,641,419,243 3,079,723,246 3,393,936,046
s'n lj:t[t cfDbfgLsf] jfF8kmfF8

a}+ssf] OlSj6L z]o/wgL 3,166,428,427 3,568,714,298 3,079,723,246 3,393,936,046
u}/ lgolGqt :jfy{ (Non Controlling Interest) (12,777,736) 72,704,944 - -
o; jif{sf] hDdf lj:t[t cfDbfgL 3,153,650,691 3,641,419,243 3,079,723,246 3,393,936,046
rf6{8{ Psfp06]G6\;\ rf6{8{ Psfp06]G6\;\


ldlt M @)*) d+l;/ !# ut]

PgPdla a}+s lnld6]8
PsLs[t OlSj6Ldf kl/jt{gsf] ljj/0f
@)*) ;fn cfiff9 #! ut] -h'nfO{ !^, @)@#_ d;fGtsf]
a}+ssf] OlSj6L wf/snfO{ afF8kmfF8 of]Uo OlSj6L
lgoGq0f
z]o/ ;fwf/0f hu]8f km]o/ Eofn' k'gd"{Nof°g
ljj/0f z]o/ k"FhL ;6xL 36a9 sf]if lgofds sf]if ;l~rt gfkmf cGo sf]if s'n /sd gx'g] s'n OlSj6L
lk|ldod sf]if sf]if sf]if
:jfy{
c;f/ #!, @)&* ;fnsf] df}Hbft 16,325,960,853 - 3,647,757,834 125,183,083 1,027,264,530 174,584,121 - 2,515,343,348 127,680,687 23,943,774,456 23,943,774,455
cl3Nnf] cjlwsf] ;dfof]hg - - - - - - - 179,026 - 179,026 - 179,026
>fj0f !, @)&* ;dfof]lht÷k'gM:yflkt df}Hbft 16,325,960,853 - 3,647,757,834 125,183,083 1,027,264,530 174,584,121 - 2,515,522,374 127,680,687 23,943,953,482 23,943,953,481
o; jif{sf] lj:t[t cfDbfgL - -
PgPdla a}+s lnld6]8 -jflif{s k|ltj]bg @)&(–*)_

gfkmf - - - - - - - 3,291,094,170 - 3,291,094,170 - 3,291,094,170
cfos/ kZrftsf] cGo lj:t[t cfDbfgL - - - - - - - - - - - -
km]o/ e]No'df d"Nof°g ul/Psf OlSj6L pks/0fsf
- - - - - 133,681,152 - - - 133,681,152 - 133,681,152
nufgLaf6 ePsf] gfkmf÷gf]S;fg
k'gM d"Nof°gaf6 ePsf] gfkmf÷gf]S;fg - - - - - - - - - - - -
kl/eflift nfe of]hgfaf6 ljdflifs gfkmf÷gf]S;fg - - - - - - - - (30,839,276) (30,839,276) - (30,839,276)
gub k|jfxsf] x]lhËaf6 ePsf] gfkmf÷gf]S;fg - - - - - - - - - - - -
ljb]zL ljlgdo ;+rfngsf] ljQLo ;DklQ
- - - - - - - - - - - -
ljlgdoaf6 ePsf] ;6xL gfkmf÷gf]S;fg
o; jif{sf] lj:t[t cfDbfgL - - - - - 133,681,152 - 3,291,094,170 (30,839,276) 3,393,936,046 - 3,393,936,046
hu]8f sf]ifdf ;fl/Psf] /sd - - 668,963,662 17,025,407 486,238,069 - - (1,817,722,003) 645,494,866 - - -
;fwf/0f hu]8f sf]if - - 668,963,662 - - - - (668,963,662) - - - -
nufgL ;dfof]hg sf]if - - - - - - - (50,000,000) 50,000,000
C0fkq e'QmfgL sf]if - - - - - - - (566,666,379) 566,666,379 - - -
PgPdla sd{rf/L /fxt sf]if - - - - - - - (1,000,000) 1,000,000 - - -
;6xL 36a9 sf]if - - - 17,025,407 - - - (17,025,407) - - - -
lgofds hu]8f sf]if - - - - 486,238,069 - - (486,238,069) - - -
sd{rf/L bIf clea[l2 sf]if - - (20,286,424) 20,286,424
;+:yfut ;fdflhs pQ/bfloTj sf]if - - - - - - - (7,542,062) 7,542,062 - - -
hu]8f sf]ifaf6 ;fl/Psf] /sd - - - - - (53,724,140) - 53,724,140 (1,000,000) (1,000,000) - (1,000,000)
km]o/ Eofn' sf]if – nufgLx? laqmL - - - - - (53,724,140) - 53,724,140 - -
;+:yfut ;fdflhs pQ/bfloTj sf]if - - - - - - - - - - - -
PgPdla sd{rf/L /fxt sf]if - - - - - - - - (1,000,000) (1,000,000) - (1,000,000)
C0fkq e'QmfgL sf]if - - - - - - - - - - - -
nufgL ;dfof]hg sf]if - - - - - - - - - - - -
VoftLsf] n]vf°g - - - - - - - - -
OlSj6Ldf b]vfOPsf] z]o/wgL ;Fusf] sf/f]af/ - - - - - - - - - - - -
zo]/ lgisfzg - - - - - - - - - - - -
41
z]o/df cfwfl/t e'QmfgL - - - - - - - - - - - -
VoftLsf] n]vf°g - - - - - - - - 72,829,139 72,829,139 - 72,829,139
z]o/wgLnfO{ nfef+z ljt/0f - - - - - - - - - - - -
af]g; z]o/ lgisfzg 2,040,745,107 - - - - - (1,953,080,607) (87,664,500) - - -
lgoGq0f
:jfy{
gub nfef+z e'QmfgL - - - - - - - (538,756,708) - (538,756,708) - (538,756,708)
42
cGo - - - - - - - - - - -
hDdf of]ubfg tyf jfF8kmfF8 2,040,745,107 - - - - (2,491,837,315) (14,835,361) (465,927,569) - (465,927,569)
cfiff9 @)&( sf] cGTo df}Hbft 18,366,705,959 - 4,316,721,496 142,208,489 1,513,502,599 254,541,133 - 1,550,781,367 726,500,916 26,870,961,958 26,870,961,958
>fj0f !, @)&( ;fnsf] df}Hbft 18,366,705,959 - 4,316,721,496 142,208,489 1,513,502,599 254,541,133 - 1,550,781,367 726,500,916 26,870,961,958 - 26,870,961,958
cl3Nnf] cjlwsf] ;dfof]hg - - - - - - - - -
>fj0f !, @)&( ;dfof]lht÷k'gM:yflkt df}Hbft 18,36 6,705,959.32 - 4,316,721,496 142,208,489 1,513,502,599 254,541,133 - 1,550,781,367 726,500,916 26,870,961,958 - 26,870,961,958
o; jif{sf] lj:t[t cfDbfgL - - - - - - - - - - - -
gfkmf - - - - - - - 3,222,547,292 - 3,222,547,292 - 3,222,547,292
- - - - - (103,800,148) - - - (103,800,148) - (103,800,148)
nufgL af6 ePsf gfkmf÷gf]S;fg
k'gM d"Nof°gaf6 ePsf gfkmf÷gf]S;fg - - - - - - - - - - - -
kl/eflift nfe of]hgfaf6 ljdfl∙s gfkmf÷gf]S;fg - - - - - - - - (39,023,899) (39,023,899) - (39,023,899)
ljb]zL ljlgdo ;+rfngsf] ljQLo ;DklQ
- - - - - - - - - - - -
ljlgdoaf6 ePsf] ;6xL gfkmf÷gf]S;fg
o; jif{sf] lj:t[t cfDbfgL - - - - - (103,800,148) - 3,222,547,292 (39,023,899) 3,079,723,246 - 3,079,723,246
hu]8f sf]ifdf ;fl/Psf] /sd - - 644,509,458 14,767,839 912,003,106 - - (2,167,245,177) 594,954,208 (1,010,565) - (1,010,565)
;fwf/0f hu]8f sf]if - - 644,509,458 - - - - (644,509,458) - - - -
nufgL ;dfof]hg sf]if - - - - - - - - - - -
;6xL 36a9 sf]if - - - 14,767,839 - - - (14,767,839) - - - -
;+:yfut ;fdflhs pQ/bfloTj sf]if - - - - - - - (22,893,736) 22,893,736 - - -
u|fxs ;+/If0f sf]if - - - - - - - - - - - -
:yug s/ sf]if - - - - - - - - - - - -
sd{rf/L bIf clea[l2 sf]if - - - - - - - (5,394,094) 5,394,094 - - -
lgofds hu]8f sf]if - - - - 912,003,106 - - (912,003,106) - - - -
PgPdla sd{rf/L /fxt sf]if - - - - - - - (1,010,565) (1,010,565) - - (1,010,565)
C0fkq e'QmfgL sf]if - - - - - - - (566,666,379) (566,666,379) - - -
hu]8f sf]ifaf6 ;fl/Psf] /sd - - - - - - 50,000,000 (50,000,000) -
km]o/ Eofn' sf]if – nufgLx? laqmL - - - - - - - - - - -
C0fkq e'QmfgL sf]if - - - - - - - - - - -
PgPdla sd{rf/L /fxt sf]if - - - - - - - - -
nufgL ;dfof]hg sf]if - - - - - - 50,000,000 (50,000,000) - - -
OlSj6Ldf b]vfOPsf] z]o/wgL ;Fusf]
- - - - - - - - - - - -
sf/f]af/
dh{/af6 k|fKt - - - - - - - - - - - -
z]o/ lgisfzg - - - - - - - - - - - -
VoftLsf] n]vf°g - - - - - - - - -

lgoGq0f
:jfy{
z]o/df cfwfl/t e'QmfgL - - - - - - - - - - -
af]g; z]o/ lgisfzg - - - - - - - - - - - -
gub nfef+z e'QmfgL - - - - - - - (1,515,253,242) - (1,515,253,242) - (1,515,253,242)
hDdf of]ubfg tyf jfF8kmfF8 - - - - - - (1,515,253,242) (1,515,253,242) - (1,515,253,242)
cfiff9 @)*) sf] cGTo df}Hbft 18,366,705,959 - 4,961,230,955 156,976,329 2,425,505,705 150,740,985 - 1,140,830,240 1,232,431,226 28,434,421,397 - 28,434,421,397

rf6{8{ Psfp06]G6\;\ rf6{8{ Psfp06]G6\;\


ldlt M @)*) d+l;/ !# ut]
43
PgPdla a}+s lnld6]8
PsLs[t OlSj6Ldf kl/jt{gsf] ljj/0f -;d"xsf]_
z]o/ k'gd"{Nof°g
ljj/0f z]o/ k"FhL ;fwf/0f hu]8f sf]if ;6xL 36a9 sf]if lgofds sf]if km]o/ Eofn' sf]if ;l~rt gfkmf cGo sf]if s'n /sd lgoGq0f gx'g] :jfy{ s'n OlSj6L
lk|ldod sf]if
44
c;f/ #!, @)&* ;fnsf] df}Hbft 16,325,960,853 37,216,210 3,692,361,466 125,183,083 1,027,264,530 174,584,121 - 2,868,079,150 170,780,663.8 24,421,430,077 466,605,880 24,888,035,957
;dfof]hg÷k'gM:yfkgf -;d"x_ - - - - 18,219,071 13,940,460 - (142,019) (13,940,460) 18,077,052 - 18,077,052
cl3Nnf] cjlwsf s/ - - - - - - - - - - - -
>fj0f !, @)&* ;dfof]lht÷k'gM:yflkt df}Hbft 16,325,960,853 37,216,210 3,692,361,466 125,183,083 1,045,483,601 188,524,581 - 2,867,937,131 156,840,204 24,439,507,128 466,605,880 24,906,113,009
o; jif{sf] lj:t[t cfDbfgL gfkmf - - - - - - - 3,470,516,417 - 3,470,516,417 72,110,093 3,542,626,510
km]o/ e]No'df d"Nof°g ul/Psf OlSj6L pks/0fsf - - - - - 129,234,402 - - - 129,234,402 - 129,234,402
nufgLaf6 ePsf] gfkmf÷gf]S;fg
kl/eflift nfe of]hgfaf6 ljdfl°s gfkmf÷gf]S;fg - - - - - - - - (31,036,521) (31,036,521) 594,852 (30,441,669)
ljb]zL ljlgdo ;+rfngsf] ljQLo ;DklQ ljlgdoaf6 - - - - - - - - - - - -
ePsf] ;6xL gfkmf÷gf]S;fg
o; jif{sf] lj:t[t cfDbfgL - - - - - 129,234,402 - 3,470,516,417 (31,036,521) 3,568,714,298 72,704,944 3,641,419,243
hu]8f sf]ifaf6 ;fl/Psf] /sd - - 686,146,087 17,025,407 496,704,958 - - (1,835,562,885) 650,138,980 14,452,547 14,397,443 28,849,990
;fwf/0f hu]8f sf]if - - 686,146,087 - - - - (682,523,712) - 3,622,375 13,028,284 16,650,658
C0fkq e'QmfgL sf]if - - - - - - - (566,666,379) 566,666,379 - - -
nufgL ;dfof]hg sf]if - - w- - - - - (50,000,000) 50,000,000 - - -
;6xL 36a9 sf]if - - - 17,025,407 - - - (17,025,407) - - - -
ljdflËs gfkmf÷ - - - - - - - 816,377 816,377 - 816,377
gf]S;fg ;dfof]hg NMBCL
u|fxs ;+/If0f sf]if - - - - - - - (678,003) 678,003 (651,414) (651,414)
lgofds hu]8f sf]if - - - - 496,704,958 - - (496,704,958) - - -
;+:yfut ;fdflhs pQ/bfloTj sf]if - - - - - - - (678,003) 9,266,754 8,588,751 651,414 9,240,165
PgPdla sd{rf/L - - - - - - - (1,000,000) 1,000,000 - - -
/fxt sf]if
sd{rf/L bIf clea[l2 sf]if (20,286,424) 21,711,468 1,425,044 1,369,160 2,794,203
hu]8f sf]ifdf - - - - - (55,627,562) - 53,724,140 (1,774,378) (3,677,800) (304,141) (3,981,941)
;fl/Psf] /sd
km]o/ Eofn' sf]if – nufgLx? laqmL - - - - - (53,724,140) - 53,724,140 - -
km]o/ Eofn' sf]if ;dfof]hg NMBCL - - - - - (1,903,422) - - - (1,903,422) - (1,903,422)
cGo sf]if NMBCL - - - - - - - - (349,876) (349,876) - (349,876)
;+:yfut ;fdflhs pQ/bfloTj sf]if - - - - - - - - (1,107,947) (1,107,947) - (1,107,947)
u|fxs ;+/If0f sf]if - - - - - - - - (316,555) (316,555) (304,141) (620,696)
OlSj6Ldf b]vfOPsf] z]o/wgL ;Fusf] sf/f]af/ - - - - - - - - - - - -
z]o/ lgisfzg - - - - - - - - - - - -
dh{/af6 :yfgfGt/0f - - - - - - - - - - - -
VoftLsf] n]vf°g - - - - - - - - 72,829,139 72,829,139 - 72,829,139
jf]g; z]o/ lgisfzg (NMBMF) - - - - - - - 7,432,002 - 7,432,002 - 7,432,002
jf]g; z]o/ lgisfzg 2,040,745,107 - - - - (2,012,270,206) (87,664,500) (59,189,599) - (59,189,599)

k'gd"{Nof°g
ljj/0f z]o/ k"FhL z]o/ lk|ldod ;fwf/0f hu]8f sf]if ;6xL 36a9 sf]if lgofds sf]if km]o/ Eofn' sf]if ;l~rt gfkmf cGo sf]if s'n /sd lgoGq0f gx'g] :jfy{ s'n OlSj6L
sf]if
gub nfef+z e'QmfgL - - - - - - - (541,871,950) (7,809,168) (549,681,118) (14,933,751) (564,614,869)
hDdf of]ubfg tyf jfF8kmfF8 2,040,745,107 - - (2,546,710,154) (22,644,529) (528,609,576) (14,933,751) (543,543,327)
cfiff9 @)&( sf] cGTo df}Hbft 18,366,705,959 37,216,210 4,378,507,553 142,208,489 1,542,188,558 262,131,421 - 2,009,904,650 751,523,757 27,490,386,599 538,470,376 28,028,856,975
>fj0f !, @)&( ;fnsf] df}Hbft 18,366,705,959 37,216,210 4,378,507,553 142,208,489 1,542,188,558 262,131,421 - 2,009,904,650 751,523,757 27,490,386,599 538,470,376 28,028,856,975
;dfof]hg÷k'gM:yfkgf -;d"x_ - - 902,088 - - (4,276,152) (3,677,607) (7,051,671) (31,186,593) (38,238,264)
cl3Nnf] cjlwsf] s/ - - - - - - - - - - - -
>fj0f !, @)&( ;dfof]lht÷k'gM:yflkt df}Hbft 18,366,705,959 37,216,210 4,379,409,642 142,208,489 1,542,188,558 262,131,421 - 2,005,628,498 747,846,149 27,483,334,927 507,283,784 27,990,618,711
o; jif{sf] lj:t[t cfDbfgL - - - - - - - - - - - -
gfkmf - - - - - - - 3,309,455,889 - 3,309,455,889 (12,777,736) 3,296,678,154

nufgLaf6 ePsf] gfkmf÷gf]S;fg - - - - - (104,629,851) - - - (104,629,851) - (104,629,851)

kl/eflift nfe of]hgfaf6 ljdfl°s gfkmf÷gf]S;fg - - - - - - - - (38,397,612) (38,397,612) (38,397,612)
ljb]zL ljlgdo ;+rfngsf] ljQLo ;DklQ ljlgdoaf6 - - - - - - - - - - - -
ePsf] ;6xL gfkmf÷gf]S;fg
o; jif{sf] lj:t[t cfDbfgL - - - - - (104,629,851) - 3,309,455,889 (38,397,612) 3,166,428,427 (12,777,736) 3,153,650,691
hu]8f sf]ifaf6 ;fl/Psf] /sd - - 644,509,458 14,767,839 929,685,076 - - (2,162,033,411) 594,817,813 21,746,776 8,114,139 29,860,915
;fwf/0f hu]8f sf]if - - 644,509,458 - - - - (644,509,458) - -
;6xL 36a9 sf]if - - - 14,767,839 - - - (14,767,839) - - - -
u|fxs ;+/If0f sf]if - - - - - - - - - - - -
;+:yfut ;fdflhs pQ/bfloTj sf]if - - - - - - - - 23,383,628 23,383,628 23,383,628
lgofds hu]8f sf]if - - - - 929,685,076 - - (929,685,076) - - 8,114,139 8,114,139
ljdfl°s gfkmf÷gf]S;fg ;dfof]hg - NMBCL - - - - - - - - (626,287) (626,287) - (626,287)
PgPdla sd{rf/L /fxt sf]if - - - - - - - (1,010,565) (1,010,565) - (1,010,565)
sd{rf/L bIf clea[l2 sf]if (5,394,094) 5,394,094 - - -
C0fkq e'QmfgL sf]if - - - - - - - (566,666,379) (566,666,379) - - -
hu]8f sf]ifdf ;fl/Psf] /sd - - - - - - - 50,000,000 (50,000,000) - -
km]o/ Eofn' sf]if – nufgLx? laqmL - - - - - - - - - - -
km]o/ Eofn' sf]if ;dfof]hg NMBCL - - - - - - - - - - - -
cGo hu]8ff NMBCL - - - - - - - - - - - -
u|fxs ;+/If0f sf]if - - - - - - - - - - - -
nufgL ;dfof]hg sf]if 50,000,000 (50,000,000)
OlSj6Ldf b]vfOPsf] z]o/wgL;Fusf] sf/f]af/ - - - - - - - - - - - -
zo]/ lgisfzg - - - - - - - - - - - -
jf]g; z]o/ lgisfzg (NMBMF) - - - - - - - - - - - -
45
jf]g; z]o/ lgisfzg - - - - - - - (33,449,006) - (33,449,006) - (33,449,006)
gub nfef+z e'QmfgL - - - - - - - (1,557,358,505) - (1,557,358,505) - (1,557,358,505)
hDdf of]ubfg tyf jfF8kmfF8 - - - - - - - (1,590,807,511) - (1,590,807,511) - (1,590,807,511)
cfiff9 @)*) sf] cGTo ;Ddsf] df}Hbft 18,366,705,959 37,216,210 5,023,919,100 156,976,329 2,471,873,634 157,501,570 - 1,612,243,465 1,254,266,351 29,080,702,619 502,620,187 29,583,322,806
PgPdla a}+s lnld6]8
PsLs[t gub k|jfx ljj/0f
@)&( >fj0f ! ut] b]lv @)*) cfiff9 #! ut] ;Ddsf] -!& h'nfO{ @)@@ b]lv !^ h'nfO{ @)@# ;Dd_
/sd ?=df
;d"x a+}s
ljj/0f
sf/f]af/ ;+rfngaf6 gub k|jfx
Aofh k|fKtL 23,533,415,636 18,234,456,145 22,805,098,433 17,405,394,443
z'Ns tyf cGo k|fKtL 2,038,193,416 1,830,722,247 1,840,653,913 1,568,600,174
nfef+z k|fKtL - 6,250,008 - -
cGo sf/f]af/ ;+rfngaf6 k|fKtL 273,041,872 348,183,077 262,447,783 275,027,954
Aofh e'QmfgL (19,271,763,316) (12,701,373,236) (18,815,188,171) (12,313,716,698)
sldzg tyf z'Ns e'QmfgL (284,654,056) (215,870,497) (284,654,056) (215,870,497)
sd{rf/Lx?nfO{ gub e'QmfgL (2,306,243,652) (3,135,994,611) (2,064,033,021) (2,894,083,451)
cGo vr{ e'QmfgL (1,257,787,925) (1,218,576,062) (1,103,878,368) (1,053,207,767)
;+rfng ;DklQ / bfloTjsf] 36a9 cl3sf] ;+rfng gub k|jfx 2,724,201,974 3,147,797,071 2,640,446,514 2,772,144,159
;+rfng ;DjlGw rfn' ;DklQdf 36÷-a9_

g]kfn /fi6« a}+saf6 afFsL /sddf (1,312,167,203) 5,474,205,795 (1,312,167,203) 5,471,205,795
a}+s tyf ljQLo ;+:yfx?df /x]sf] df}Hbftdf (209,061,000) 2,487,937,937 (209,061,000) 2,487,937,937
cGo Jofkfl/s ;DklQdf (24,750,000) (22,551,071) (24,750,000) 2,660,000
a}+s tyf ljQLo ;+:yfx?nfO{ lbOPsf] shf{ tyf ;fk6Ldf (1,191,985,976) (711,021,424) (1,191,985,976) (711,021,424)
u|fxsnfO{ lbOPsf] shf{ tyf ;k6Ldf (13,702,695,070) (25,092,306,589) (14,602,290,616) (24,348,951,375)
cGo ;DklQdf (343,875,170) (969,659,865) 57,778,780 (920,615,741)
s'n (16,784,534,418) (18,833,395,217) (17,282,476,014) (18,018,784,808)
;+rfng ;DjlGw rfn' bfloTjdf

-36_÷a9
a}+s tyf ljQLo ;+:yfx?nfO{ lbg'
1,166,762,512 (475,157,553) 1,166,762,512 (475,157,553)
kg]{ afFsL /sddf
g]kfn /fi6« a}+snfO{ lbg' kg]{ afFsL
(5,710,379,325) 1,398,384,484 (5,710,379,325) 1,398,384,484
/sddf
u|fxssf] lgIf]kdf 25,029,490,266 20,737,726,127 25,475,639,343 20,420,898,789
C0f ;fk6Ldf 1,499,400,435 5,761,807,244 1,817,503,379 5,553,590,000
cGo bfloTjdf 456,214,769 477,744,808 169,963,183 466,996,061
cfos/ cuf8Lsf] sfo{ut

22,441,488,655 27,900,505,109 22,919,489,092 27,364,711,781
ultljlwaf6 v'b gub k|jfx
cfos/ e'QmfgL (1,428,846,104) (1,489,757,584) (1,398,846,104) (1,396,448,052)
sfo{ut ultljlwaf6 v'b

6,952,310,107 10,725,149,379 6,878,613,488 10,721,623,081
gub k|jfx
nufgL sf/f]af/df gub k|jfx
lwtf]kq vl/b (40,817,799,493) (33,256,813,109) (40,410,128,200) (33,256,813,109)
lwtf]kq laqmL 41,210,959,951 18,352,260,371 40,882,957,491 18,332,995,235
l:y/ ;DklQsf] vl/b (280,628,202) (355,726,404) (257,495,869) (324,801,330)
l:y/ ;DklQsf] laqmL 19,385,746 119,700,030 19,385,746 119,700,030
cd"t{ ;DklQsf] vl/b (8,835,881) (93,949,929) (9,047,260) (93,949,929)
cd"t{ ;DklQsf] laqmLaf6 k|fKtL - - - -
nufgL ;DklQ vl/b (405,186,000) (224,323,260) (405,186,000) (224,323,260)
nufgL ;dklQ laqmLaf6 k|fKtL - 27,104,000 - 27,104,000
;xfos sDkgL, ;Da4 / ;+o'Qm pBddf ePsf]

(400,000,000) - (400,000,000) -
nufgL

;d"x a+}s
ljj/0f
Aofh k|fKtL 2,211,611,462 1,199,748,360 2,211,611,462 1,199,748,360
nfef+z k|fKtL 116,113,909 142,201,528 116,113,909 142,201,528
nufgL sf/f]af/df k|of]u ePsf] v'b gub 1,645,621,492 (14,089,798,412) 1,748,211,279 (14,078,138,474)
ljQLo >f]t sf/f]af/af6 gub k|jfx

C0fkq lgisfzgaf6 k|fKtL 4,000,000,000 2,727,437,000 4,000,000,000 2,727,437,000
C0fkqsf] e'QmfgL - - - -
c;'/lIft bfloTjsf] lgisfzgaf6 k|fKtL - - - -
c;'/lIft bfloTjdf ePsf] e'QmfgL - - - -
z]o/ lgisfzgaf6 k|fKtL 200,000,000 - - -
nfef+z e'QmfgL (1,515,253,242) (544,865,026) (1,515,253,242) (538,756,708)
Aofh e'QmfgL - - - -
cGo k|fKtL÷e'QmfgL 41,407,835 - - -
ljQLo >f]t sf/f]af/af6 v'b gub 2,726,154,594 2,182,571,974 2,484,746,758 2,188,680,292
gub k|jfxdf ePsf] v'b -36_÷a9 11,324,086,193 (1,182,077,059) 11,111,571,525 (1,167,835,101)
gub tyf gub ;dfgsf] z'?jftL df}Hbft 13,328,689,050 14,442,664,482 12,787,637,052 13,887,370,526
dh{/af6 k|fKt gub tyf gub ;dfg - - - -
gub tyf gub ;dfgsf] ljlgdo b/df ePsf]] km/s 59,071,357 68,101,627 59,071,357 68,101,627
gub tyf gub ;dfgsf] clGtd df}Hbft 24,711,846,600 13,328,689,050 23,958,279,935 12,787,637,052
rf6{8{ Psfp06]G6\;\ rf6{8{ Psfp06]G6\;\


ldlt M @)*) d+l;/ !# ut]

PgPdla a}+s lnld6]8
ljt/0f of]Uo gfkmf÷gf]S;fgsf] ljj/0f
@)&( >fj0f ! ut] b]lv @)*) cfiff9 #! ut];Ddsf]
-!& h'nfO{ @)@@ b]lv !^ h'nfO{ @)@# ;Dd_
-g]kfn /fi6« a}+ssf] lgb]{zg jdf]lhd_
gfkmf gf]S;fg ljj/0f adf]lhdsf] gfkmf÷-gf]S;fg_ 3,222,547,292 3,291,094,170
afF8kmfF8M
s= hu]8f sf]if (644,509,458) (668,963,662)
v= ;6xL 36a8 sf]if (14,767,839) (17,025,407)
u= k"FhL r'Qmf sf]if (566,666,379) (566,666,379)
3= ;+:yfut ;fdflhs bfloTj sf]if (22,893,736) (7,542,062)
ª= sd{rf/L tflnd sf]if (5,394,094) (20,286,424)
5= cGo 48,989,435 2,724,140
lgofds ;dfof]hg cl3sf] gfkmf÷gf]S;fg 2,017,305,221 2,013,334,376
lgofds ;dfof]hgM
s= Aofh jSof}tf ÷cl3Nnf] Aofh jSof}tf k|flKt 36÷-a9_ (509,464,247) (241,195,461)
v= C0f gf]S;fg Joj:yfdf 36÷-a9_ - -
u= nufgLdf 3f6fsf] nflu Joj:yfsf] 36÷-a9_ - -
3= u}/ j}+lsË ;DklQsf] Joj:yfsf] 36÷-a9_ (253,603,980) (124,248,134)
ª= :yug s/ ;DklQ 36÷-a9_ (109,910,979) (89,955,199)
r= VoftL 36÷-a9_ - -
5= df]ntf]n vl/bdf gfkmfsf] 36÷-a9_ - -
h= ljdfl° 3f6fsf] 36÷-a9_ (39,023,899) (30,839,276)
em= cGo - -
km]o/ Eofn' sf]ifsf] 36÷-a9_ -
cfiff9 d;fGt @)*) jfF8\g of]Uo gfkmf÷gf]S;fg 1,105,302,115 1,527,096,307
ut jif{;Ddsf] ;+lrt gfkmf÷-3f6f_ 1,550,781,367 2,515,343,348
;dfof]hg÷k'gM3f]if0ff÷k'gMjuL{s/0f 179,026
jf]g; z]o/ lgisfzg (1,953,080,607)
gub nfef+z e'QmfgL (1,515,253,242) (538,756,708)
afF8\g of]Uo gfkmf÷-gf]S;fg_ 1,140,830,240 1,550,781,367
afF8\g of]Uo gfkmf÷-gf]S;fg_ k|tL ;]o/ 6.21 8.44

n]vf;DaGwL l6Kk0fLx?

PgPdla a}+s lnld6]8
n]vf ;DaGwL l6Kk0fLx?
@)*) ;fn cfiff9 #! ut] - h'nfO{ !^, @)@# _ d;fGtsf]
gub tyf gub ;dfg 4.1
;d"x a+}s
ljj/0f
gub df}Hbft 4,840,262,621 4,829,184,541 4,838,527,230 4,821,253,769
a}+s tyf ljQLo ;+:yfdf /x]sf] df}Hbft 3,617,881,489 3,253,160,623 2,990,111,397 2,942,719,622
dfu tyf cNk ;'rgfdf k|fKt x'g] /sd 608,745,559 1,478,285,425 484,684,376 1,255,605,200
cGo 15,644,956,932 3,768,058,462 15,644,956,932 3,768,058,462
hDdf 24,711,846,600 13,328,689,050 23,958,279,935 12,787,637,052
gubsf] km]o/ Eofn' Carrying Amount /x]sf] 5 . 9's'6Ldf /x]sf] gubnfO{ ef}lts tyf ljQLo hf]lvdaf6 x'g;Sg] IftLsf nflu kof{Kt ladf ul/Psf] 5 . lgods t/ntf tyf Joj;foLs
cfjZostf cg';f/ 9's'6Ldf gub /flvPsf] 5 . j}b]lzs d'b|fdf /x]sf] gubdf ljgLdo b/sf] hf]lvd /xG5 . j}b]lzs d'b|fnfO{ glhsaf6 cg'udg u/L hf]lvd b]lvPdf t'?Gt Joj:yfkg ul/G5 .
g]kfn /fi6« a}+sdf /x]sf] df}Hbft 4.2

;d"x a+}s
ljj/0f
g]kfn /fi6« a}+s;Fu /x]sf] j}wflgs\ df}Hbft 11,569,721,798 9,671,760,858 11,542,721,798 9,644,760,858
k'gM laqmLsf] lglDt vl/b ul/Psf] lwtf]kq - - - -
g]kfn /fi6« a}+saf6 cGo lgIf]k tyf lng afFsL jSof}tf /sd 3,516,779,085 4,102,552,772 3,516,779,085 4,102,552,772
hDdf 15,086,500,883 13,774,313,630 15,059,500,883 13,747,313,630
s]Gb|Lo a}+sdf /x]sf] df}Hbftsf] km]o/ Eofn' Carrying Amount /x]sf] 5 .

;f] df}Hbft d""VotM s]Gb|Lo a}+ssf] clgjfo{ gub cg'kft (CRR) tyf SLR sfod ug{sf nflu pkof]u ul/Psf] 5 . o;nfO{ kl5 kl/zf]lwt nfutdf u0fgf ul/G5 . cGo afFsL jSof}tf /sddf
g]kfn /fi6« a}+sdf /x]sf] :yfgLo ;/sf/sf] -ln=sf=_ -sG6«f_ df}Hbft xf] .
a}+s tyf ljQLo ;+:yfdf /x]sf] df}Hbft 4.3

;d"x a+}s
ljj/0f
cfGtl/s a}+s tyf ljQLo ;+:yf;Fusf] df}Hbft - 3,782,288,743 - 3,782,288,743
ljb]zL a}+s tyf ljQLo ;+:yf;Fusf] df}Hbft 755,846,186 - 755,846,186 -
36fpg]M k|ef/sf] nflu Joj:yf - - - -
hDdf 755,846,186 3,782,288,743 755,846,186 3,782,288,743

of] ;DklQx?nfO{ kl/zf]lwt nfutdf u0fgf ul/Psf] 5 / ;f] ;+u ;DalGwt hf]lvdnfO{ lg/Gt/ ?kdf d""Nof+sg ul/G5 . ;f] ;DklQx?af6 k|fKt ePsf] AofhnfO{ gfkmf gf]S;fgdf Aofh cfDbfgLdf
k|:t't ul/Psf] 5 .
Jo"TkGg -8]l/e]l6e_ ljQLo pks/0f 4.4
;d"x a+}s
ljj/0f
Jofkfl/s nufgL
Aofhb/ :jfk - - - -
d'b|f :jfk 1,068,697,938 803,113,810 1,068,697,938 803,113,810
clu|d ljlgdo ;Demf}tf 9,309,635,318 4,117,933,904 9,309,635,318 4,117,933,904
cGo 471,745,875 372,725,615 471,745,874.60 372,725,614.50
hf]lvd Joj:yfkgsf] lglDt

Aofhb/ :jfk - - - -
d'b|f :jfk - - - -
clu|d ljlgdo ;Demf}tf - - - -
cGo - - - -
hDdf 10,850,079,131 5,293,773,328 10,850,079,131 5,293,773,328

Jo"TkGg ljQLo pks/0f eGgfn] v'b d"No ;DaGwLt Aofh b/, ljQLo pks/0fsf] d"No tyf cGosf] ptf/r9fjdf lge{/ /xg] ub{5 . Jo"TkGg ljQLo pks/0fnfO{ ;'?df / To;kl5 km]o/ Eofn'df
dfkg ul/G5 / Jofkf/Ls gfkmf gf]S;fgnfO{ SOPL sf] v'b Jofkf/Ls cfDbfgLdf hgfO{G5 . l/kf]{l6Ë ldltdf forward market rate k|of]u ul/ km]o/ Eofn'df hgfO{G5 .

cGo Jofkfl/s ;DklQx? 4.5
;d"x a+}s
ljj/0f
6«]h/L ljn - - - -
g]kfn ;/sf/sf] C0fkq 24,750,000 - 24,750,000 -
g]kfn /fi6« a}+ssf] C0fkq - - - -
:jb]zL Ohfhtkqk|fKt ;+:yfsf] j08 - - - -
z]o/ 92,736,216 25,228,531 - -
cGo - - - -
hDdf 117,486,216 25,228,531 24,750,000 -
lwtf] -Kn]H8_ /flvPsf] - - - -
lwtf] -Kn]H8_ g/flvPsf] 117,486,216 25,228,531 24,750,000 -

g]kfn /fi6« a}+sn] hf/L u/]sf] ahf/ lgdf{tf k|lqmof @)&) cGtu{t a}+sn] gful/s jrtkqx? vl/b laqmL u/]sf] 5 . oL oGqx?nfO{ a}+sn] kl/kSj x'g] ;do;Dd g/fVg] x]t'sf ;fy vl/b tyf
laqmL ug]{ u/]sf] 5 . oL oGqx?sf] km]o/ Eofn' sl/a Carrying Amount x'g] u5{ .
a}+s tyf ljQLo ;+:yfx?nfO{ shf{ ;fk6L 4.6

;d"x a+}s
ljj/0f
dfOqmf]kmfOgfG; ;+:yfnfO{ lbOPsf] shf{ 7,209,494,579 5,997,564,413 7,209,494,579 5,997,564,413
cGo - - - -
36fpg] M k|ef/sf] nflu Joj:yf 92,965,415 77,469,598 92,965,415 77,469,598
hDdf 7,116,529,163 5,920,094,816 7,116,529,163 5,920,094,816

oL ;DklQx?nfO{ kl/zf]lwt nfutdf u0fgf ul/Psf] 5 / ;f] ;+u ;DalGwt hf]lvdnfO{ lg/Gt/ ?kdf d""Nof°g ul/G5 . ;f] ;DklQx?af6 k|fKt ePsf] AofhnfO{ gfkmf gf]S;fgdf Aofh cfDbfgLdf
k|:t't ul/Psf] 5 .
$=^=!= k|ef/sf]] lglDt Joj:yf

;d"x a+}s
ljj/0f
>fj0f ! sf] df}Hbft 77,469,598 77,469,598 77,469,598 68,226,319
o; jif{sf] k|ef/ - - - -
o; jif{sf] hDdf 15,495,818 - 15,495,818 9,243,279
p7]sf]÷ljkoo{ - - - -
ckn]vg ul/Psf] /sd - - - -
dh{/af6 :yfgfGt/0f - - - -
cfiff9 cGTosf] df}Hbft 92,965,415 77,469,598 92,965,415 77,469,598
u|fxsnfO{ shf{ tyf ;fk6L 4.7

;d"x a+}s
ljj/0f
ckn]lvt d"Nodf d"Nof°g ul/Psf] shf{ / ;fk6L 199,092,258,922 184,329,946,269 195,100,726,831 179,574,007,975
36fpg] M k|ef/ Joj:yf

;fd"lxs k|ef/ 2,999,291,974 2,680,238,896 2,999,291,974 2,659,483,429
Psn k|ef/ 3,289,184,473 2,104,726,691 3,066,034,469 1,966,168,262
v'b /sd 192,803,782,475 179,544,980,682 189,035,400,388 174,948,356,284
FVTPL df d"Nof°g ul/Psf] shf{ tyf ;fk6L - - - -
hDdf 192,803,782,475 179,544,980,682 189,035,400,388 174,948,356,284

$=&=! M shf{ k|sf/sf] cfwf/df shf{ / ;fk6Lsf] ljZn]if0f
;d"x a+}s
ljj/0f
shf{ k|sf/
cfjBLs shf{ 72,456,770,623 48,361,268,916 72,456,770,623 48,361,268,916
gub qm]l86 52,246,727,889 58,547,563,607 52,246,727,889 58,547,563,607
6«i6 l/l;K6÷cfoft shf{ 2,475,584,938 2,440,702,690 2,475,584,938 2,440,702,690
dfu tyf cGo rfn' k"FhL shf{ 26,289,722,096 33,123,599,488 26,289,722,096 33,123,599,488
JolQmut cfjfl;o shf{ 14,051,229,092 15,289,597,484 14,051,229,092 15,289,597,484
l/on :6]6 shf{ 5,217,784,805 3,362,937,078 5,217,784,805 3,362,937,078
dflh{g n]lG8Ë shf{ 1,433,456,554 1,450,926,708 1,433,456,554 1,450,926,708
xfo/ kr]{h shf{ 5,683,589,657 6,301,000,661 5,683,589,657 6,301,000,661
lk5l8Psf] ju{nfO{ shf{ 7,106,245,068 7,887,757,584 3,263,658,704 3,231,080,143
ljn vl/b - - - -
sd{rf/L shf{ 2,296,786,948 2,019,036,601 2,291,595,764 2,015,046,657
cGo 7,196,202,840 4,022,418,187 7,196,202,840 4,022,418,187
hDdf 196,454,100,511 182,806,809,003 192,606,322,963 178,146,141,618
lng afFsL Aofh 2,638,158,411 1,523,137,266 2,494,403,868 1,427,866,357
s"n hDdf 199,092,258,922 184,329,946,269 195,100,726,831 179,574,007,975
$=&=@ M d'b|fsf] cfwf/df shf{ / ;fk6Lsf] ljZn]if0f

;d"x a+}s
ljj/0f
g]kfnL ?k}+of 195,193,920,315 180,759,223,670 191,202,388,225 176,003,285,377
ef/tLo ?k}Fof - - - -
cd]l/sg 8n/ 3,887,620,239 3,556,132,966 3,887,620,239 3,556,132,966
u|]6 lj|6]g kfpG8 - - - -
o"/f] 10,718,367 14,589,632 10,718,367 14,589,632
hfklgh Pg - - - -
rfOlgh o'cfg - - - -
cGo - - - -
hDdf 199,092,258,921 184,329,946,269 195,100,726,831 179,574,007,975
$=&=# M lwtf] ;'/If0fsf] cfwf/df shf{ tyf ;fk6Lsf] ljZn]if0f

u|fxsx?nfO{ k|bfg ul/Psf] shf{ tyf ;fk6x?nfO{ lwtf]aGws lnP/ l8kmN6sf] hf]lvd 36fO{Psf] 5 . u|fxsx?nfO{ k|bfg ul/Psf] shf{ tyf ;fk6x?df
aGws /x]sf] lwtf]sf] k|sf/ lgDgfg';f/ 5g\ M
;d"x a+}s
ljj/0f
;'/If0f
rn÷crn ;DklQ 195,947,707,359 180,629,870,867 193,558,671,369 177,339,309,051
;'g / rfFbL 2,449,813 11,976,851 2,449,813 11,976,851
:jb]zL a}+s tyf ljQLo ;+:yfsf] hdfgt - 10,674,626 - 10,674,626
;/sf/L hdfgt 87,066,674 87,200,256 87,066,674 87,200,256
cGt/fli6«o ;'lrs[t a}+ssf] hdfgt - - - -
lgof{t sfuhkqsf] lwtf] - - - -
d'2lt lgIf]ksf] lwtf] 1,452,538,974 2,124,847,191 1,452,538,974 2,124,847,191
;/sf/L ;]So'l/6Lsf] lwtf] - - - -
sfpG6/ hdfgt - - - -
JoflQmut hdfgt - - -
cGo lwtf] 1,602,496,101 1,465,376,478 -
hDdf 199,092,258,921 184,329,946,269 195,100,726,831 179,574,007,975
;'/If0f gul/Psf] - - - -
s'n hDdf 199,092,258,921 184,329,946,269 195,100,726,831 179,574,007,975

$=&=$ M k|ef/sf] nflu Joj:yf
;d"x a+}s
ljj/0f
lglb{i6 k|ef/sf] nflu Joj:yf
>fj0f ! sf] df}Hbft 2,104,726,691 2,129,465,061 1,966,168,262 1,999,242,857
o; jif{sf] k|ef/ M - -
o; jif{sf] yk 1,184,457,782 - 1,099,866,207 -
o; jif{ p7]sf]÷ljkoo{ - (24,738,370) - (33,074,595)
ckn]vg - - - -
ljb]zL d'b|fsf] k|ef/df ljlgdo b/sf] 36÷a9 - - - -
cGo ptf/r9fj - - - -
cfiff9 cGTosf] df}Hbft 3,289,184,473 2,104,726,691 3,066,034,469 1,966,168,262
;fd'lxs k|ef/sf] nflu Joj:yf - -
>fj0f ! sf] df}Hbft 2,680,238,896 2,690,307,497 2,659,483,429 2,672,502,836
o; jif{sf] k|ef/ M - -
o; jif{sf] yk÷ljkoo{ 319,053,079 (10,068,602) 339,808,545 (13,019,407)
ljb]zL d'b|fsf] k|ef/df ljlgdo b/sf] 36÷a9 - - - -
cGo ptf/r9fj - - - -
cf;f9 cGTosf] df}Hbft 2,999,291,974 2,680,238,896 2,999,291,974 2,659,483,429
k|ef/sf] nflu hDdf Joj:yf 6,288,476,447 4,784,965,587 6,065,326,443 4,625,651,691
lwtf]kqdf nufgL 4.8
;d"x a+}s
ljj/0f
ckn]lvt d"Nodf d""Nof°g ul/Psf] lwtf]kqdf nufgL 31,528,371,379 30,919,709,470 31,070,124,019 30,689,709,470
FVTOCI df d""Nof°g ul/Psf] OlSj6Ldf ul/Psf] nufgL 1,392,508,325 1,089,242,283 1,304,790,808 1,035,137,283
hDdf 32,920,879,704 32,008,951,753 32,374,914,828 31,724,846,753
lwtf]kqdf nufgLnfO{ tLg efudf ljefhg ul/Psf] 5 M FVTPL, kl/iff]lwt nfut / FVTOCI
$=*=! kl/iff]lwt d"Nodf d"Nof°g ul/Psf] lwtf]kqdf nufgL

;d"x a+}s
ljj/0f
C0f lwtf]kq 2,403,117,509 3,137,848,555 2,403,117,509 3,137,848,554.95
;/sf/L C0f kq 20,778,004,074 19,874,597,999 20,778,004,074 19,874,597,999
;/sf/L 6«]h/L ljn 7,221,519,974 7,033,874,498 7,221,519,974 7,033,874,498
g]kfn /fi6« a}+ssf] j08 - - - -
g]kfn /fi6« a}+ssf] lgIf]k pks/0fx? - - - -
cGo nufgL 1,125,729,822 873,388,418 667,482,462 643,388,418
36fpg]M xfgL gf]S;fgL Joj:yf - - - -
hDdf 31,528,371,379 30,919,709,470 31,070,124,019 30,689,709,470
cfiff9 d;fGt @)*) sf] cGo nufgLsf] ljj/0f lgDg 5g\ M

ljj/0f Aofh b/ kl/kSj ldlt km]; Eofn' -8n/df_ v'b /sd -?_
d'y'6 kmfO{gfG; 4.40% )@ ;]K6]Da/ @)@# 1,000,000 128,679,883
d'y'6 kmfO{gfG; 4.40% )@ ;]K6]Da/ @)@# 4,000,000 514,708,536
hDdf 643,388,418
C0f lwtf]kqdf s[lif ljsf; a}ssf] s[lif j08df ul/Psf] nufgL ;dfj]z 5 .
$=*=@ cGo lj:t[t cfDbfgLsf] ljj/0f dfkm{t km]o/ Eofn'df d"Nof°g ul/Psf z]o/ nufgL
;d"x a+}s
ljj/0f
OlSj6L pks/0fx?
;'lrs[t z]o/ 1,320,047,025 987,428,483 1,234,329,508 935,323,483
;'lrs[t gul/Psf z]o/ 72,461,300 101,813,800 70,461,300 99,813,800
hDdf 1,392,508,325 1,089,242,283 1,304,790,808 1,035,137,283

PgPdla a}+s lnld6]8
$=*=# OlSj6Ldf ul/Psf] nufgLsf] hfgsf/L
54
;d"x a+}s
ljj/0f cfiff9 d;fGt @)*) cfiff9 d;fGt @)&( cfiff9 d;fGt @)*) cfiff9 d;fGt @)&(
nfut d"No km]o/ Eofn' nfut d"No km]o/ Eofn' nfut d"No km]o/ Eofn' nfut d"No km]o/ Eofn'
;"rLs[t OlSj6Ldf ePsf] nufgLM
PgPdjL xfO{la|8 km08–! -15,261,921 lsQf_ 162,619,210 175,466,128 166,269,210 182,133,515 152,619,210 164,676,128 152,619,210 170,933,515
;L6Lhg Do'rn km08–! -57,605 lsQf_ 576,048 540,335 576,048 506,924 576,048 540,335 576,048 506,924
Unf]jn cfO{PdO{ ;d'Ggt l:sd–! -3,797,270 lsQf_ - - - - - - - -
PgcfO{laPn ;Dd[l4 km08 ! -500,000 lsQf_ 5,000,000 4,555,000 5,000,000 4,335,000 5,000,000 4,555,000 5,000,000 4,335,000
PgcfO{laPn k|ult km08 -1,875 lsQf_ - - - - - - - -
;L6Lhg Do'rn km08 @ -147,050 lsQf_ - - - - - - - -
;g/fO{h Do'rn km08 ! 1,000,000 968,000 1,600,000 1,150,000 - - - -
;g/fO{h An"lrk km08 -2,000,000 lsQf_ 20,000,000 15,700,000 20,000,000 17,480,000 20,000,000 15,700,000 20,000,000 17,480,000
k|e" ;]n]S6 km08 -1,000,000 lsQf_ 10,500,000 9,345,000 10,000,000 9,610,000 10,000,000 8,850,000 10,000,000 9,610,000
nIdL pGgtL sf]if -14,350 lsQf_ - - - - - - - -
s'df/L OlSj6L km08 -500,000 lsQf_ 5,000,000 5,085,000 5,000,000 5,035,000 5,000,000 5,085,000 5,000,000 5,035,000
s'df/L ;'gf}nf] nufgL 2,000,000 2,000,000 - - - - - -
PgPdjL 50 -17,701,670 lsQf_ 189,516,700 198,992,535 195,704,200 244,476,543 177,016,700 185,867,535 177,016,700 228,351,543
cf/lala Do'rn km08 ! -2,000,000 lsQf_ 20,500,000 16,660,000 20,000,000 18,540,000 20,000,000 16,160,000 20,000,000 18,540,000
d]uf Do'rn km08 ! -436,340 lsQf_ 4,363,400 3,486,357 4,363,400 3,486,357 4,363,400 3,486,357 4,363,400 3,486,357
PgPdjL ;/n art km08 -E -29,927,189 lsQf_ 300,000,003 305,000,806 150,000,000 149,110,000 279,999,996 284,906,839 140,000,000 140,000,000
s'df/L wga[l2 of]hgf -300,000 lsQf_ 5,000,000 5,020,000 3,000,000 3,000,000 3,000,000 3,012,000 3,000,000 3,000,000
Unf]jn cfO{PdO{ Jofn]G; km08 ! 5,000,000 4,670,000 - - 3,000,000 2,802,000 - -
PgPdjL ;'ne Oge]]i6d]G6 km08 ! -17,094,000 lsQf_ 183,189,800 183,006,610 - - 170,940,000 170,769,060 - -
;fgLdf u|f]y km08 -300,000 lsQf_ 4,000,000 3,996,000 - - 3,000,000 2,997,000 - -
PgcfO{laPn u|f]y km08 -500,000 lsQf_ 7,000,000 7,448,000 - - 5,000,000 5,320,000 - -
;g/fO{h kmf]s:6 OlSj6L km08 -5,000,000 lsQf_ 51,000,000 49,368,000 - - 50,000,000 48,400,000 - -
cf/lala Do'rn km08 @ -500,000 lsQf_ 5,000,000 5,000,000 - - 5,000,000 5,000,000 - -

;d"x a+}s
l;4fy{ Oge]]i6d]G6 u|f]y :sLd # -300,000 lsQf_ 5,000,000 5,000,000 - - 3,000,000 3,000,000 - -
PgcfO{;L P;Lof km\n]S; Sofk km08 -100,000 lsQf_ 1,000,000 1,017,000 - - - - - -
ckL kfj/ sDkgL lnld6]8 -5 lsQf_ - 985 - 1,223 - 985 - 1,223
a?g xfO8«f]kfj/ sDkgL lnld6]8 -1 lsQf_ - 249 - 440 - 249 - 440
l;O{l8la xfO{8«f] km08 lnld6]8 -;+:yfks z]o/_ -119,892

10,000,000 11,989,200 10,000,000 11,989,200 10,000,000 11,989,200 10,000,000 11,989,200
lsQf_
lzj >L xfO{8«f]kfj/ lnld6]8 -;+:yfks z]o/_ -100,000
10,000,000 18,260,000 10,000,000 10,000,000 10,000,000 18,260,000 10,000,000 10,000,000
lsQf_
GofbL u|'k kfj/ lnld6]8 -2 lsQf_ - 468 - 594 - 468 - 594
lrlnd] xfO8«f]kfj/ sDkgL lnld6]8 -1 lsQf_ - 537 - - - 537 - -
n'DjLgL hg/n O{G:of]/]G; sDkgL lnld6]8 -;+:yfks z]o/_

4,016,713 40,629,954 4,016,713 20,238,664 4,016,713 40,629,954 4,016,713 20,238,664
-57,306 lsQf_
l;4fy{ lk|ldo/ O{G:of]/]G; sDkgL lnld6]8 -105 lsQf_ - 81,743 - - - 81,743 - -
k|e" O{G:of]/]G; sDkgL lnld6]8 -11 lsQf_ - 8,217 - 4,280 - 8,217 - 4,280
lxdfnog h]g]/n O{G:of]/]G; sDkgL lnld6]8 -! lsQf_ - - - 520 - - - 520
PgPnhL O{G:of]/]G; sDkgL lnld6]8 -* lsQf_ - 1,408 - 880 - 1,408 - 880
l;4fy{ O{G:of]/]G; lnld6]8 -62 lsQf_ - - - 33,709 - - - 33,709
k|'8]lG;on O{G:of]/]G; sDkgL lnld6]8 -174 lsQf_ - 97,440 - - - 97,440
cfOlhcfO k|'8]lG;on O{G:of]/]G; sDkgL lnld6]8 -!@ lsQf_ - 6,720 - - - 6,720
g];gn nfO{km O{G:of]/]G; sDkgL lnld6]8 -! lsQf_ - 645 - 577 - 645 - 577
g]kfn O{G:of]/]G; sDkgL lnld6]8 -! lsQf_ - 820 - - - 820 - -
dxfnIdL nfO{km O{G:of]/]G; sDkgL lnld6]8 -750,000 lsQf_ 75,000,000 75,000,000 50,000,000 50,000,000 75,000,000 75,000,000 50,000,000 50,000,000
d]/f] dfOqmf]kmfO{gfG; ljlQo ;+:yf lnld6]8 -* lsQf_ 436 5,288 981 15,246 436 5,288 981 15,246
PgcfO{;L P;Lof n3'ljQ ;+:yf lnld6]8 -;+:yfks z]o/_

5,375,000 32,702,412 5,375,000 32,086,242 5,375,000 32,702,412 5,375,000 32,086,242
-64,860 lsQf_
ld/ld/] n3'ljQ ljQLo ;+:yf lnld6]8 -$$ lsQf_ - 31,196 - - - 31,196 - -
55
ljhof n3'ljQ ljQLo ;+:yf lnld6]8 -& lsQf_ - 4,991 - 4,700 - 4,991 - 4,700
d]/f] dfOqmf]kmfO{gfG; ljlQo ;+:yf lnld6]8 -;+:yfks z]o/_

22,049,841 124,369,608 22,049,841 259,645,320 22,049,841 124,369,608 22,049,841 259,645,320
-550,308 lsQf_
;d"x a+}s
56
ld/ld/] dfOqmf]kmfO{gfG; 8]enkd]G6 a}+s lnld6]8 -! lsQf_ - 1,050 - 1,050
Unf]jn cfO{PdO{ n3'ljQ ljlQo ;+:yf lnld6]8 -! lsQf_ - 1,061 - 1,299 - 1,061 - 1,299
hgpTyfg ;fd'bflos n3'ljQ ljlQo ;+:yf lnld6]8 -! lsQf_ - 1,020 - 1,725 - 1,020 - 1,725
nIdL n3'ljQ ljlQo ;+:yf -@ lsQf_ - 1,786 - - - 1,786 - -
g];gn dfOqmf]kmfO{gfG; ljlQo ;+:yf lnld6]8 -$ lsQf_ - 5,464 - 5,805 - 5,464 - 5,805
ldlynf n3'ljQ ljlQo ;+:yf lnld6]8 -! lsQf_ - 1,044 - 13,670 - 1,044 - 13,670
;fd'bflos n3'ljQ ljlQo ;+:yf lnld6]8 -;+:yfks z]o/_ 11,000,000 14,520,000 14,520,000 14,520,000 - - - -
s'n 1,124,707,151 1,320,047,025 697,475,393 1,037,428,483 1,043,957,344 1,234,329,508 639,017,893 985,323,483
;"rLs[t gePsf] OlSj6Ldf nufgLM

g]kfn :6s PS;r]Gh lnld6]8 -1,432 lsQf_ 5,000 143,200 5,000 71,600 5,000 143,200 5,000 71,600
g]kfn lSnol/u+ xfp; nld6]8 -275,126 lsQf_ 5,268,200 27,512,600 5,268,200 19,936,700 5,268,200 27,512,600 5,268,200 19,936,700
qm]l86 O{Gkm/d];g Ao"/f] nld6]8 -28,055 lsQf_ 216,000 2,805,500 216,000 2,805,500 216,000 2,805,500 216,000 2,805,500
g]kfn j]o/xfplh∙ sDkgL nld6]8 -200,000 lsQf_ 20,000,000 20,000,000 7,000,000 7,000,000 20,000,000 20,000,000 7,000,000 7,000,000
g]kfn lkmg;km\6 sDkgL nld6]8 2,000,000 2,000,000 2,000,000 2,000,000 - - - -
g]k]S; -200,000 lsQf_ 20,000,000 20,000,000 20,000,000 20,000,000 20,000,000 20,000,000 20,000,000 20,000,000
s'n 47,489,200 72,461,300 34,489,200 51,813,800 45,489,200 70,461,300 32,489,200 49,813,800
s'n hDdf 1,172,196,351 1,392,508,325 731,964,593 1,089,242,283 1,089,446,544 1,304,790,808 671,507,093 1,035,137,283
Do'r'cn km08sf] c+lst d"No ?=!) / ;fwf/0f / ;+:yfks z]o/sf] c+lst d"No k|lt lsQf ?=!)) /x]sf] 5 . pNn]v ul/Psf] afx]ssf ;a} z]o/ ;fwf/0f z]o/ xf] .
Gf]kfn ;/sf/sf] 6«]h/L lan tyf C0fkqx?nfO{ a}+sn] kl/KfSj x'g] a]nf;Dd /fVg ;Sg] clek|fo tyf Ifdtf /x]sf]n] of] ;DklQx?nfO{ kl/KfSj x'g] ljQLo ;DklQ cGtu{t jlu{s/0f ul/Psf] 5 . oL
pks/0fx?nfO{ kl/zf]lwt nfutdf b]vfOPsf] 5 . oL pks/0fx?n] k|bfg ug]{ l:y/ b/n] ubf{ oL pks/0fx?df lglxt hf]lvdx?nfO{ kof{Kt ?kdf Ifltk""lt{ ub{5 . ljsf; C0fkqx?df e'QmfgL u/]sf]
lk|ldodnfO{ k|efjsf/L Aofhb/ (Effective Interest Rate) u0fgf ubf{ ;dfj]z ul/Psf] 5 .
6«]h/L lan tyf C0fkqx?df kfs]sf] AofhnfO{ nufgLdf b]vfO{Psf] 5 .
Dfflysf] tflnsfdf pNn]v ePsf s'g} klg z]o/ nufgLdf a}+ssf] lgoGq0f (Control) jf pNn]vlgo k|efj (Significant influence) /x]sf] 5}g . oL nufgLdf ePsf] ptf/r9fjnfO{ cGo lj:tfl/t cfo
ljj/0fdf ;dfof]lht ul/Psf] 5 .
a}+sn] ?=!&&,)!^,&)) PgPdla %) Dff / ?=!%@,^!(,@!) PgPdla xfOla|8 kmG8—! Dff, ? @&(,(((,((^ PgPdjL ;/n art km08–O{ df aLp k"FhLsf ?kdf nufgL u/]sf] 5 . oL ;fd'lxs nufgL
sf]ifdf a}+s sf]if k|j4{s tyf PgPdla Soflk6n of]hgf Joj:yfks /x]sf] 5 . ljQLo ;DklQsf] km]o/ Eofn'df ;+roL v'b kl/jt{g (Cumulative net change) sf] dfkg FVTOCI sf] ul/Psf] 5 /
To;nfO{ km]o/ Eofn' sf]ifdf b]vfO{Psf] 5 .

PgPdla a}+s lnld6]8
rfn' s/ ;DklQ $=(
;d"x a+}s
ljj/0f
rfn' s/ ;DklQ
rfn' jif{sf] cfos/ ;DklQ 1,448,772,979 1,443,549,827 1,399,048,957 1,396,448,052
ut jif{x?sf] s/ ;DklQ 85,057,444 94,178,290 80,328,906 92,924,561
hDdf cfo s/ ;DklQ 1,533,830,423 1,537,728,117 1,479,377,863 1,489,372,612
rfn' s/ bfloTj
rfn' jif{sf] cfos/ bfloTj 1,470,460,116 1,483,607,013 1,434,430,239 1,434,043,707
ut jif{x?sf] s/ bfloTjx? - - - -
hDdf cfo s/ bfloTj 1,470,460,116 1,483,607,013 1,434,430,239 1,434,043,707
cfiff9 d;fGt @)*) df cu|Ld cfos/sf] ljj/0f o; k|sf/sf] 5 .

ljj/0f /sd
s= ut jif{af6 c= Nof= ul/Psf] cu|Ld cfos/ 80,328,906
v= cf=j= @)&(÷*) df ls:tfaGbL cGtu{t bflvnf u/]sf] hDdf cu|Lds/ 1,380,000,000
u= cf=j= @)&(÷*) sf] cu|Ld s/ s§L /sd 19,048,957
3= dh{/af6 k|fKt -
ª= cfos/ d'2f jfkt ;fl/Psf] s/ /sd -
r= cf=j= @)&(÷*) sf] nflu Joj:yf ul/Psf] cfos/ 1,434,430,239
5= cl3Nnf] cjlwsf] ;dfof]hLt s/ -
hDdf cfo s/ ;DklQ -s±v±u–3–ª–r–5_ 44,947,625

PgPdla a}+s lnld6]8
;xfos sDkgLdf ePsf] nufgL $=!)
a+}s
ljj/0f
cfiff9 d;fGt @)*) cfiff9 d;fGt @)&(
;"rLs[t ;xfos sDkgLdf ePsf] nufgL 172,487,600 172,487,600
;"rLs[t gePsf] ;xfos sDkgLdf ePsf] nufgL 600,000,000 200,000,000
hDdf nufgL 772,487,600 372,487,600
36fpg] M k|ef/ Joj:yf - -
v'b Carrying Amount 772,487,600 372,487,600
$=!)=! M ;"rLs[t ;xfos sDkgLdf ePsf] nufgL

a}+s
nfut d"No km]o/ Eofn' nfut d"No km]o/ Eofn'
PgPdla dfOqmf]kmfOgf; ljQLo ;+:yf lnld6]8,
3,679,390 lsQf ;+:yfks / @# lsQf ;fwf/0f z]o/, 172,487,600 172,487,600 172,487,600 172,487,600
k|lt z]o/ !)) n] r'Qmf
s'n 172,487,600 172,487,600 172,487,600 172,487,600
$=!)=@ M ;"rLs[t gePsf] ;xfos sDkgLdf ePsf] nufgL

a}+s
PgPdla Soflk6n lnld6]8, $,))),))) lsQf ;+:yfks
400,000,000 400,000,000 200,000,000 200,000,000
z]o/, k|lt z]o/ !)) n] r'Qmf
Pg=Pd=la= ;]So'/]l6h lnld6]8, @,))),))) lsQf ;fwf/0f z]o/,
200,000,000 200,000,000 - -
k|lt z]o/ !)) n] r'Qmf
s'n 600,000,000 600,000,000 200,000,000 200,000,000
$=!)=#M a+}ssf] ;xfos sDkgLx?;Fu ;DalG3t hfgsf/L

a}+s
ljj/0f a+}sn] wf/0f ul/Psf] :jfldTjsf] k|ltzt
PgPdla Soflk6n lnld6]8 100% 100%
Pg=Pd=la= ;]So'/]l6h lnld6]8 100% -
PgPdla n3'ljQ ljQLo ;+:yf lnld6]8 51% 51%
$=!)=$M ;xfos sDkgLx?sf] u}/ lgolGqt :jfy{

;d"x
ljj/0f
NCI ;Fu /x]sf] OlSj6L OG6«]i6 -%_ 49% 49%
o; jif{sf] gfkmf÷-gf]S;fg_ jfF8kmfF8 (12,777,736) 72,110,093
c;f9 cGTodf NCI ;Fu /x]sf] ;+lrt df}Hbft 502,620,187 538,470,376
NCI nfO{ lbPsf] nfef+z - 2,993,076
;Da4 sDkgLdf ePsf] nufgL

;d"x a}+s
;"rLs[t ;Da4 sDkgLdf ePsf] nufgL - - - -
;"rLs[t gePsf] ;Da4 sDkgLdf ePsf] nufgL - - - -
s'n nufgL - - - -
36fpg] M k|ef/ Joj:yf - - - -
v'b Carrying Amount - - - -

PgPdla a}+s lnld6]8
$=!!=! M ;"rLs[t ;Da4 sDkgLdf ePsf] nufgL
;d'x a}+s
===============================================================lnld6]8 - - - -
===============================================================lnld6]8 - - - -
=============================================================== - - - -
s'n - - - -
$=!!=@ M ;"rLs[t gePsf] ;Da4 sDkgLdf ePsf] nufgL

;d'x a}+s
===============================================================lnld6]8 - - - -
===============================================================lnld6]8 - - - -
=============================================================== - - - -
s'n - - - -
$=!!=# M a}+ssf ;DjGw sDkgLx?sf] hfgsf/L

;d'x a}+s
ljj/0f a+}sn] wf/0f ul/Psf] :jfldTjsf] k|ltzt a+}sn] wf/0f ul/Psf] :jfldTjsf] k|ltzt
===============================================================lnld6]8 - - - -
===============================================================lnld6]8 - - - -
===============================================================lnld6]8 - - - -
===============================================================lnld6]8 - - - -
=============================================================== - - - -
$=!!=$ M ;DaGw sDkgLx?sf] OlSj6L Eofn'

;d"x
ljj/0f
= = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = =lnld6]8 - -
= = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = =lnld6]8 - -
=============================================================== - -
s'n - -

nufgL ;DklQx? $=!@
;d'x a}+s
ljj/0f
km]o/ e]No'df d""Nof°g ul/Psf] nufgL ;DklQ
>fj0f ! sf] df}Hbft 295,161,520 97,942,260 295,161,520 97,942,260
o; jif{sf] yk÷-36_ 402,546,000 197,219,260 402,546,000 197,219,260
o; jif{sf] km]o/ e]No'df v'b jbnfj - - - -
;dfof]hg - - - -
v'b /sd 697,707,520 295,161,520 697,707,520 295,161,520
nfutdf d"Nof°g ul/Psf] nufgL ;DklQ
>fj0f ! sf] df}Hbft - - - -
o; jif{sf] yk÷36 - - - -
;dfof]hg - - - -
;+lrt x|f; s6\6L - - - -
;+lrt k|ef/ gf]S;fg - - - -
v'b /sd - - - -
NAS 40 Investment Property adf]lhd, u}/ a}+lsË ;DklQnfO{ km]o/ Eofn'df b]vfPsf] 5 .
NAS 16 Property, Plant & Equipment adf]lhd jlu{s/0f ul/Psf tyf NFRS 5 adf]lhd jlu{s/0f ul/Psf 3/ tyf hUuf afx]s ;a} 3/ tyf hUuf nufgL ;DklQ -Investment Property)
x'g\ . u}/ a}+lsË ;DklQnfO{ ;'?df km]o/ Eofn'df b]vfO{Psf] 5 . oL ;DklQx?nfO{ k|of]u ug]{ clek|fo g/x]sf]n] ubf{ x|f;s§L ul/Psf] 5}g .
cfiff9 d;fGt @)*) df /x]sf] u}/ a}+lsË ;DklQsf] ljj/0f o; k|sf/ 5g\ .
u}/ a}+lsË ;DklQ ;sf/
C0fL jf kf6L{sf] gfd /sd
u/]sf] ldlt
!= sfdw]g' dlxnf b'Uw pTkfbs ;= ;+= ln= !^ gf]a]Da/, @)!& 785,000
@= cl°tf O{Dk]S; # clk|n, @)!* 13,936,000
#= hnyn nfOe :6s k|f= ln= ( clk|n, @)!* 2,200,000
$= ofS6«L cfp6n]t P08 Snf]lyª :6f]/ !* h'g, @)!* 15,530,000
%= rfOgf xfOlhlgFs ld6 k|f] P08 ;k\= k|f= ln= !% h'nfO{, @)!* 9,242,000
^= O:6g{ ;'h ;]G6/ @ hgfj/L, @)!( 4,041,500
&= rGb|snf lnDafª @ hgfj/L, @)!( 466,000
*= afa' /fO{ ( hgfj/L, @)!( 1,574,853
(= Oe/u|Lg * km]a|'c/L, @)!( 3,745,000
!)= u'0f ;Knfo;{ !& dfr{, @)@) 4,508,880
!!= l;:6;{ km];g sn]S;g !# hgfj/L, @)@! 6,883,878
!@= a}hgfy zfx !( h'nfO{, @)@! 1,115,000
!#= cf]d s[i0f 6«]8;{ ÷ cf]d s[i0f ;'grfbL k;n @% h'nfO{, @)@! 45,482,114
!$= ;[hgf km]G;L & l8;]Da/ @)@! 14,570,984
!%= ddtf s'df/L kf]8f/ % hgfj/L, @)@@ 6,744,388
!^= cf]d >L xG;aflxgL km]G;L :6f]/ % hgfj/L, @)@@ 7,053,559
!&= t]h axfb'/ /f]sfof !# clk|n, @)@@ 3,902,675
!* l;g]; ;Knfo{; !# clk|n, @)@@ 21,658,000
!(= kf}8]n 6«]8;{ ÷ sdnf g'8N; pBf]u !# clk|n, @)@@ 11,454,000
@)= uf]ljFGb jxfb'/ cu|jfn ÷ df+ ;GhLjgL 6«]8;{ !# clk|n, @)@@ 7,782,000
@!= sG;]K6 O{G6/g];gn !# clk|n, @)@@ 16,738,000

u}/ a}+lsË ;DklQ ;sf/
C0fL jf kf6L{sf] gfd /sd
u/]sf] ldlt
@@ ;+lutf xf8{jo/ 6]8;{ !# clk|n, @)@@ 9,007,000
@#= dgdfof ls/fgf k;n $ d], @)@@ 1,645,000
@$= aGbgf s]jt dlb/f k;n ÷ dg jxfb'/ s]jt !! d], @)@@ 6,066,698
@%= O:6 6«feN; g]kfn k|f= ln= !% h'nfO{, @)@@ 36,696,000
@^= wgGho 6«]8;{ P08 ;Knfo;{ !# hgfj/L, @)@# 32,885,000
@&= P; P08 la= 6«]8;{ k|f= nL= !$ hgfj/L, @)@# 12,700,000
@*= ;lsg vft'g xhfd @# km]a|'c/L, @)@# 649,920
@(= ;'lgtf ;Knfo;{ / e'k]Gb| k| kf]v/]n !% dfr{, @)@# 25,165,000
#)= k|l;4 uxgf u[x @$ dfr{, @)@# 1,726,000
#!= l;+xb]lj ljN8;{ k|f nL # clk|n, @)@# 13,143,395
#@= u+uf nfjtL $ clk|n, @)@# 2,026,453
##= d+uf]nLog km]G;L :6f]/ % clk|n, @)@# 5,532,927
#$= l;l4 ;fO{ k|sfz s:6\S;g k|f nL !) clk|n, @)@# 109,153,000
#%= dxfnIdL xf8{jo/ P08 ;Knfo;{ !@ clk|n, @)@# 23,680,000
#^= ljlj;f xf8{jo/ P08 ;Knfo;{ !# clk|n, @)@# 12,023,000
#&= P; Pg lj 6«]8;{ k|f nL !# clk|n, @)@# 4,053,000
#*= d]3f OG6/g]zgn 6'/ P08 6«fen;{ k|f=nL= @^ d] , @)@# 6,250,000
#(= ef:s/ cfrfo{ !@ h'g, @)@# 6,825,518
$)= gljg >]i7 !@ h'g, @)@# 4,310,000
$!= EZI 2 jo/ !) h'nfO{, @)@# 27,412,870
$@= km'6lso/ OG8:6|L k|f nL !) h'nfO{, @)@# 25,862,000
$#= uw b]lj 6«]8;{ !! h'nfO{, @)@# 2,816,612
$$= lgd{nf s:d]l6s P08 uLkm\6 ;]G6/ !! h'nfO{, @)@# 1,314,056
$%= cf/ Pg On]S6\f]lgsn / On]S6Lsn ;]G6/ !! h'nfO{, @)@# 1,292,003
$^= Uofn]S;L 8]G6n P08 ;hL{sn k|f= nL !@ h'nfO{, @)@# 15,823,000
$&= hNsf b]lj km'8\; !# h'nfO{, @)@# 11,000,000
$*= j:g]t :6f]/ !$ h'nfO{, @)@# 4,728,000
$(= /fwf s:d]l6s !% h'nfO{, @)@# 1,190,000
%)= dgsfdgf Sofgj; !% h'nfO{, @)@# 2,055,000
%!= uf]/v k|;fb lg;b !% h'nfO{, @)@# 5,978,708
%@= Pr s] 6fon dj{n P08 ;]lg6/L 6«]8;{ !% h'nfO{, @)@# 7,575,402
%#= P; P; xf8{jo/ P08 KnfOp8 !% h'nfO{, @)@# 5,390,281
%$= vlnpNnfx vfg !% h'nfO{, @)@# 1,012,846
%%= lrlh s'df/ >]i7 !^ h'nfO{, @)@# 3,839,247
%^= nf]s]Gb| PUu|f]e]6 !^ h'nfO{, @)@# 3,034,029
%&= cd/ h]g/n ;Knfo;{ !^ h'nfO{, @)@# 7,115,000
%*= Pd dh'jf 6«]8 sG;g{ !^ h'nfO{, @)@# 21,996,725
%(= l;l4 :6f]/ !^ h'nfO{, @)@# 5,778,986
^)= ;f/bf pk|]tL !^ h'nfO{, @)@# 29,541,014
hDdf 697,707,520

PgPdla a}+s lnld6]8
62
;DklQ / pks/0f ;d"x 4.13
sDKo'6/ / kmlg{r/ tyf
ljj/0f hUuf ejg nLh xf]N8 ;DklQ kl/jxg ;fwg d]lzg/L cGo pks/0fx? hDdf
P;f];]l/h lkmS;/
k/n df]n
>fj0f !, @)&* sf] df}Hbft 893,396,195 190,679,681 413,098,888 293,858,157 508,388,197 180,858,183 436,604,292 216,154,859 3,133,038,452
o; jif{ yk -
k|fKtL - - - - - - - - -
k"FhLs[t 180,000 1,278,655 64,022,421 57,693,292 113,770,209 24,666,084 82,969,146 14,949,000 359,528,806
o; jif{sf] laqmL÷lgk6f/f (51,423,650) (1,348,184) (11,971,702) (1,647,124) (60,634,842) (3,253,136) (2,575,757) (2,964,782) (135,819,177)
;dfof]hg÷k'gMd"Nof°g (8,466) (21,293) 200 (1,606,153) 1,760,162 124,450
cfiff9 @)&( clGtdsf] df}Hbft 842,152,545 190,610,152 465,141,141 349,883,032 561,523,764 200,664,977 516,997,681 229,899,238 3,356,872,531
o; jif{ yk
yk -dh{/af6 k|fKt_ - - - - - - - - -
k"FhLs[t - 1,677,590 56,465,905 29,656,722 94,853,000 19,293,246 83,936,670 6,368,175 292,251,310
o; jif{sf] laqmL÷lgk6f/f - - (3,803,591) (16,686,845) (38,371,000) (1,523,280) (13,631,356) (5,165,379) (79,181,452)
;dfof]hg÷k'gMd"Nof°g 107,413,350 81,178 200 11,217 8,649,741 (8,668,892) 107,486,794
cfiff9 @)*) clGtdsf] df}Hbft 842,152,545 192,287,742 625,216,806 362,934,087 618,005,964 218,446,160 595,952,736 222,433,142 3,677,429,183
kl/iff]wg / k|ef/ -
>fj0f !, @)&* sf] df}Hbft - 59,852,339 238,430,299 208,548,798 299,020,420 121,508,154 278,763,907 153,839,145 1,359,963,063
;fnsf] kl/iff]wg - 4,460,440 32,197,358 39,510,925 83,763,411 17,698,084 53,257,837 20,805,459 251,693,514
o; jif{sf] k|ef/ - - - - - - - - -
laqmL÷lgk6f/f - (330,115) (7,770,077) (1,542,927) (53,119,567) (3,051,792) (2,412,758) (2,840,488) (71,067,724)
;dfof]hg - - - - - - - - -

P;f];]l/h lkmS;/
cfiff9 @)&( clGtdsf] df}Hbft - 63,982,663 262,857,580 246,516,796 329,664,265 136,154,446 329,608,986 171,804,117 1,540,588,853
;fnsf] kl/iff]wg - 4,497,244 64,038,231 37,797,215 91,768,651 19,247,586 63,246,477 19,221,948 299,817,353
o; jif{sf] k|ef/ - - - - - - - - -
laqmL÷lgk6f/f - - (2,623,460) (16,520,989) (31,405,948) (1,302,488) (13,219,385) (5,163,954) (70,236,225)
;dfof]hg -dh{/af6 k|fKt_ - - 32,799,248 78,806 (0) 14,874 4,364,833 (4,385,181) 32,872,579
cfiff9 @)*) clGtdsf] df}Hbft - 68,479,908 357,071,599 267,871,828 390,026,967 154,114,418 384,000,911 181,476,929 1,803,042,560

k/n df]n -
v'b lstfaL d"No -
cfiff9 @)&* clGtdsf] df}Hbft 893,396,195 130,827,342 174,668,589 85,309,359 209,367,777 59,350,028 157,840,385 62,315,713 1,773,075,389
a}+s
P;f];]l/h lkmS;/
k/n df]n
>fj0f !, @)&* sf] df}Hbft 893,396,195 190,679,681 403,779,024 265,925,285 485,048,470 154,074,552 436,604,292 212,854,614 3,042,362,113
o; jif{ yk
k|fKtL -
k"FhLs[t 180,000 1,278,655 64,022,421 45,577,240 99,938,767 18,181,681 82,969,146 12,653,420 324,801,330
o; jif{sf] laqmL (51,423,650) (1,348,184) (11,971,702) (1,585,268) (60,634,842) (3,231,088) (2,575,757) (2,890,108) (135,660,599)
;dfof]hg÷k'gMd"Nof°g - - - - - - -
o; jif{ yk
yk -dh{/af6 k|fKt_ - - - - - - - - -
k"FhLs[t - 1,677,590 38,676,307 22,482,348 94,853,000 12,282,353 83,563,370 6,360,900 259,895,869
63
o; jif{sf] laqmL - - (3,803,591) (16,537,367) (38,371,000) (1,482,916) (13,571,796) (5,164,679) (78,931,350)
;dfof]hg÷k'gMd"Nof°g - - - - - - - -
a}+s
P;f];]l/h lkmS;/
64
kl/iff]wg / k|ef/
>fj0f !, @)&* sf] df}Hbft - 59,852,339 232,393,334 192,081,916 280,313,548 104,369,610 278,763,907 152,672,494 1,207,466,193
;fnsf] kl/iff]wg 4,460,440 31,522,764 34,248,165 80,251,920 14,718,005 53,257,837 19,529,001 237,988,132
o; jif{sf] k|ef/ - - - - - - - -
laqmL÷lgk6f/f (330,115) (7,765,130) (1,542,927) (53,119,567) (3,051,792) (2,412,758) (2,840,488) (71,062,777)
;dfof]hg - - - - - - - - -
cfiff9 @)&( clGtdsf] df}Hbft - 63,982,663 256,150,967 224,787,154 307,445,902 116,035,824 329,608,986 169,361,007 1,467,372,503
;fnsf] kl/iff]wg 4,497,244 40,824,247 32,068,318 87,813,952 16,034,980 62,142,385 19,150,694 262,531,821
o; jif{sf] k|ef/ - - - - - - - -
laqmL÷lgk6f/f - (2,623,460) (16,520,989) (31,405,948) (1,302,488) (13,219,385) (5,163,954) (70,236,225)
;dfof]hg -dh{/af6 k|fKt_

cfiff9 @)*) clGtdsf] df}Hbft - 68,479,908 294,351,754 240,334,482 363,853,906 130,768,315 378,531,986 183,347,747 1,659,668,099
k"FhLut lgdf{0f - - - - - - - - -
v'b lstfaL d"No - - - - - - - - -
cfiff9 @)&* clGtdsf] df}Hbft 893,396,195 130,827,342 171,385,691 73,843,369 204,734,922 49,704,942 157,840,385 60,182,120 1,741,914,965

VoftL tyf cd't{ ;DklQ ;d"x 4.14
;6j]o/
ljj/0f cGo cGo s'n
vl/b ljsf;
k/n df]n
>fj0f !, @)&* sf] df}Hbft - 267,576,516 - - 267,576,516
o; jif{ yk - - - - -
k|fKtL - - - -
k"FhLs[t - 94,973,785 - - 94,973,785
o; jif{sf] laqmL - (197,750) - - (197,750)
;dfof]hg÷k'gMd"Nof°g 72,829,139 - - - 72,829,139
cfiff9 @)&( clGtdsf] df}Hbft 72,829,139 362,352,551 - - 435,181,690
o; jif{ yk -
yk -dh{/af6 k|fKt_ - - - - -
k"FhLs[t - 10,222,460 - - 10,222,460
o; jif{sf] laqmL - - - - -
;dfof]hg÷k'gMd"Nof°g - - - - -
cfiff9 @)*) clGtdsf] df}Hbft 72,829,139 372,575,011 - - 445,404,150
kl/iff]wg / k|ef/ -
>fj0f !, @)&* sf] df}Hbft - 149,493,878 - - 149,493,878
;fnsf] kl/iff]wg - 53,714,129 - - 53,714,129
o; jif{sf] k|ef/ - - - - -
laqmL - (77,685) - - (77,685)
;dfof]hg - - - - -
cfiff9 @)&( clGtdsf] df}Hbft - 203,130,322 - - 203,130,322
;fnsf] kl/iff]wg - - - - -
o; jif{sf] k|ef/ - 58,320,816 - - 58,320,816
laqmL - - - - -
;dfof]hg -dh{/af6 k|fKt_ - - - - -
cfiff9 @)*) clGtdsf] df}Hbft - 261,451,138 - - 261,451,138
k"FhLut lgdf{0f - 2,983,775 - - 2,983,775
v'b lstfaL d"No

cfiff9 @)&* clGtdsf] df}Hbft - 121,066,412 - - 121,066,412

a}+s
;6j]o/
ljj/0f VoftL cGo s'n
vl/b ljsf;
k/n df]n
>fj0f !, @)&* sf] df}Hbft - 259,140,365 - - 259,140,365
o; jif{ yk
k|fKtL - - - -
k"FhLs[t - 93,949,929 - - 93,949,929
o; jif{sf] laqmL - (197,750) - - (197,750)
;dfof]hg÷k'gMd"Nof°g 72,829,139 - - - 72,829,139
o; jif{ yk
yk -dh{/af6 k|fKt_ - - - -
k"FhLs[t - 9,047,260 - - 9,047,260
o; jif{sf] laqmL÷lgk6f/f - - - - -
;dfof]hg÷k'gMd"Nof°g - - - - -
kl/iff]wg / k|ef/
>fj0f !, @)&* sf] df}Hbft - 146,752,847 - - 146,752,847
;fnsf] kl/iff]wg - - - -
o; jif{sf] k|ef/ - 52,533,370 - - 52,533,370
laqmL÷lgk6f/f - (77,685) - - (77,685)
;dfof]hg -dh{/af6 k|fKt_ - - - - -
;fnsf] kl/iff]wg
o; jif{sf] k|ef/ - 56,870,581 - - 56,870,581
laqmL - - - - -
;dfof]hg -dh{/af6 k|fKt_ - - - -
cfiff9 @)*) clGtdsf] df}Hbft - 256,079,114 - - 256,079,114
k"FhLut lgdf{0f @)&* - 153,228 - - 153,228
v'b lstfaL d"No

cfiff9 @)&* clGtdsf] df}Hbft - 112,387,518 - - 112,387,518

PgPdla a}+s lnld6]8
:yug s/ ;DklQ 4.15

g]kfn /fi6« a}+ssf] lgb]{lzsf cg';f/, :yug s/ ;DklQsf] ;Dk""0f{ /sd lgodgsf/L sf]ifdf hDdf ul/Psf] 5 . :yug cfos/n] a}+ssf] n]vf k|0ffnL tyf
cfos/sf] n]vf k|0ffnLsf] km/sn] ubf{ ;[h{gf x'g] ;DklQ tyf bfloTjnfO{ hgfpF5 . NAS !@ adf]lhd :yug cfos/ ;DklQ÷bfloTj to ul/Psf] 5 .
;d"x a}+s
cfiff9 d;fGt @)*) cfiff9 d;fGt @)*)
ljj/0f v'b
:yug s/ :yug s/ :yug s/ :yug s/ v'b :yug s/
:yug s/
;DklQ bfloTj ;DklQ bfloTj ;DklQ÷bfloTj
;DklQ÷bfloTj
c:yfO{ leGgtfdf :yug s/
a}+s tyf ljQLo ;+:yfnfO{ lbPsf] shf{ tyf ;fk6L 27,889,625 27,889,625 - 27,889,625 27,889,625 -
u|fxsnfO{ lbPsf] shf{ tyf ;fk6L 1,819,597,933 1,841,783,351 (22,185,418) 1,819,597,933 1,819,597,933 -
nufgL ;DklQ - - - - - -
lwtf]kqdf nufgL 5,629,272 68,161,798 (62,532,527) - 64,603,279 (64,603,279)
;DklQ / pks/0f 372,379,145 344,025,294 28,353,851 351,468,654 304,952,222 46,516,432
kl/eflift sd{rf/L nfe of]hgf 346,601,835 268,409 346,333,426 333,604,183 - 333,604,183
k§f bfloTj 299,057,198 247,424,945 51,632,253 278,797,173 247,424,945 31,372,227
Joj:yf 1,548,352 - 1,548,352 1,663,301 - 1,663,301
c:yfO{ leGgtfdf :yug s/ 2,872,703,359 2,529,553,422 343,149,937 2,813,020,868 2,464,468,005 348,552,864
ut jif{sf] afFsL s/ 3f6fdf :yug s/ 99,858,167 - 99,858,167 99,858,167 - 99,858,167
s/sf] b/df kl/jt{gn] l;h{gf ePsf] :yug s/ - -
v'b :yug s/ ;DklQ÷-bfloTj_, cfiff9 d;fGt @)*) 443,008,104 448,411,030
gfkmf gf]S;fg vftfdf b]vfOPsf] vr{÷-cfo_ 441,652,436 448,875,744
cGo lj:t[t cfodf b]vfOPsf] vr{÷-cfo_ 1,355,668 (464,713)
:yug s/ ;DklQ÷bfloTj, >fj0f ! @)&( (325,067,719) (338,964,764)
;fnsf] :yflkt÷l/e;{n 117,940,385 109,446,266
gfkmf gf]S;fg vftf df b]vfOPsf] :yug s/ vr{÷

(41,077,659) (48,235,961)
-cfo_
cGo lj:t[t cfodf b]vfOPsf] :yug s/ vr{÷-cfo_ (61,297,484) (61,210,306)
OlSj6Ldf l;w} b]vfOPsf] :yug s/ vr{÷-cfo_ (15,565,242) -

;d"x a}+s
cfiff9 d;fGt @)&( cfiff9 d;fGt @)&(
ljj/0f v'b
:yug s/ :yug s/ :yug s/ :yug s/ v'b :yug s/
:yug s/
;DklQ bfloTj ;DklQ bfloTj ;DklQ÷bfloTj
;DklQ÷bfloTj
c:yfO{ leGgtfdf :yug s/
a}+s tyf ljQLo ;+:yfnfO{ lbPsf] shf{ tyf ;fk6L 23,240,879 23,240,879 - 23,240,879 23,240,879 -
u|fxsnfO{ lbPsf] shf{ tyf ;fk6L 1,387,695,507 1,416,276,780 (28,581,273) 1,387,695,507 1,387,695,507 -
nufgL ;DklQ - - - - - -
lwtf]kqdf nufgL 4,838,084 111,066,784 (106,228,700) - 109,089,057 (109,089,057)
;DklQ / pks/0f 381,225,132 343,234,479 37,990,653 358,065,969 322,698,543 35,367,426
kl/eflift sd{rf/L nfe of]hgf 272,241,117 - 272,241,117 262,810,576 - 262,810,576
k§f bfloTj 323,715,806 306,570,435 17,145,371 323,715,806 306,570,435 17,145,371
Joj:yf 1,433,403 - 1,433,403 1,663,301 - 1,663,301
c:yfO{ leGgtfdf :yug s/ 2,394,389,930 2,200,389,358 194,000,572 2,357,192,039 2,149,294,422 207,897,617
ut jif{sf]] afFsL s/ 3f6fdf :yug s/ 131,067,147.07 - 131,067,147 131,067,147 - 131,067,147
s/sf] b/df kl/jt{gn] l;h{gf ePsf] :yug s/ - -
v'b :yug s/ ;DklQ÷-bfloTj_, cfiff9 d;fGt @)&( 325,067,719 338,964,764
gfkmf gf]S;fg vftf df b]vfOPsf] vr{÷-cfo_ 384,835,179 400,639,783
cGo lj:t[t cfodf b]vfOPsf] vr{÷-cfo_ (59,767,460) (61,675,019)
:yug s/ ;DklQ÷bfloTj, >fj0f ! @)&* (237,539,198) (249,009,565)
;fnsf] :yflkt÷l/e;{n 87,528,521 89,955,199
gfkmf gf]S;fg vftfdf b]vfOPsf] :yug s/ vr{÷

(106,845,899) (111,005,657)
-cfo_
cGo lj:t[t cfodf b]vfOPsf] :yug s/ vr{÷-cfo_ 19,315,111 21,050,458
OlSj6Ldf l;w} b]vfOPsf] :yug s/ vr{÷-cfo_ 2,268

PgPdla a}+s lnld6]8
cGo ;DklQ 4.16
;d'x a}+s
ljj/0f
laqmLsf nflu pknAw ;DklQx? - - - -
cGo u}/ a}+lsË ;DklQx? - - - -
e'QmfgL x'g afFsL ljN; - - - -
p7\g afFsL cf;fdL 851,562,536 267,555,850 761,453,746 129,502,765
lng afFsL cfDbfgL 6,562,760 10,651,564 6,562,760 10,651,564
clu|d e'QmfgL tyf lgIf]k 483,264,815 475,934,550 469,838,337 473,496,981
cfos/ hDdf 176,563,265 97,302,360 176,563,265 97,302,360
:yug sd{rf/L vr{ 2,398,065,703 2,124,376,686 2,397,041,622 2,124,376,686
cGoM
;'g tyf ;'g Jofkf/sf nflu cu|Ld
- - - -
e'QmfgL
d;nGb df}Hbft 70,587,766 40,042,777 70,587,766 36,337,521
OGwgsf] df}Hbft - - - -
Gold Markup - - - -
cGo 835,980,506 1,026,892,370 824,749,818 1,022,045,517
hDdf 4,822,587,351 4,042,756,156 4,706,797,314 3,893,713,394

cfiff9 d;fGt @)*) df /x]sf] ;fljssf] Bank of Asia sf] cfO{=lk=cf]=sf] k|flKt tyf Soflk6n dr]{G6df /x]sf] df}Hbftsf] Joj:yf qmdzM ?=55,44,336 / ?=1,038,544 /x]sf] 5 / ;f]nfO{ cf;fdL
/ gub tyf gub ;dfgaf6 qmdzM 36fO{Psf] 5 .

PgPdla a}+s lnld6]8
a}+s tyf ljQLo ;+:yfnfO{ ltg{ afFsL 4.17

;d'x a}+s
ljj/0f
gubL ahf/af6 lgIf]k - - - -
cGt/ a}+lsË n]gb]g - 500,000,000 - 500,000,000
cGo a}+s tyf ljQLo ;+:yfaf6 lgIf]k - - - -
/fkm;fkm vftf - - - -
cGo a}+s tyf ljQLo ;+:yfaf6 lgIf]k 2,737,257,510 1,582,436,338 2,737,257,510 1,582,436,338
hDdf 2,737,257,510 2,082,436,338 2,737,257,510 2,082,436,338
g]kfn /fi6« a}+snfO{ ltg{ afFsL 4.18

;d'x a}+s
ljj/0f
g]kfn /fi6« a}+saf6 k'gM k|fKt C0f - 5,545,081,013 - 5,545,081,013
xfn ;fljssf] t/ntfsf] ;'ljwf - - - -
g]kfn /fi6« a}+saf6 n]G8/ ckm nf:6

- - - -
l/;6{ ;'ljwf
k'gM vl/b ;Demf}tfdf laqmL ul/Psf]
- - - -
;]So'l/l6hx?
g]kfn /fi6« a}+snfO{ lbg' kg]{ cGo
3,285,987,203 3,451,285,516 3,285,987,203 3,451,285,516
aSof}tf
hDdf 3,285,987,203 8,996,366,529 3,285,987,203 8,996,366,529
g]kfn /fi6« a}+snfO{ lbg' kg]{ cGo aSof}tf cGtu{t ;/sf/L lgsfox?sf] LI. KA. vftfx? kb{5 . g]kfn /fi6« a}+snfO{ ltg{ afFsL /sdnfO{ dfkg ubf{ kl/zf]lwt nfutdf ul/Psf] 5 .
8]l/e]l6e -Jo""TkGg_ ljQLo pks/0fx? 4.19

;d'x a}+s
ljj/0f
Jofkf/sf] lglDt
Aofhb/ :jfk - - - -
d'b|f :jfk 1,090,876,310 748,911,433 1,090,876,310 748,911,433
clu|d ljlgdo ;Demf}tf 9,498,377,920 4,229,386,121 9,498,377,920 4,229,386,121
cGo 471,090,337 372,800,538 471,090,337 372,800,538
hf]lvd Joj:yfkgsf] lglDt - -
Aofhb/ :jfk - - - -
d'b|f :jfk - - - -
cGo - - - -
hDdf 11,060,344,567 5,351,098,092 11,060,344,567 5,351,098,092
Jo"TkGg ljQLo pks/0f eGgfn] v'b d"No ;DaGwLt Aofh b/, ljQLo pks/0fsf] d"No tyf cGosf] ptf/r9fjdf lge{/ /xg] ub{5 . Jo"TkGg ljQLo pks/0fnfO{ ;'?df / To;kl5 km]o/ Eofn'df
dfkg ul/G5 / Jofkf/Ls gfkmf gf]S;fgnfO{ SOPL sf] v'b Jofkf/Ls cfDbfgLdf hgfO{G5 . l/kf]{l6Ë ldltdf forward market rate k|of]u u/L km]o/ Eofn'df hgfO{G5 .

u|fxsaf6 lgIf]k bfloTj 4.20
a}+s tyf ljQLo ;+:yfx? -:yfgLo tyf ljb]zL a}+s tyf g]=/f=a}+s_ sf] lgIf]k afx]s ;a} lgIf]k vftfx?
;d'x a}+s
ljj/0f
;+:yfks u|fxs
cfjlws lgIf]k 48,414,402,474 46,214,259,321 48,414,402,474 46,214,259,321
dfu lgIf]k 12,091,065,155 9,299,063,794 12,383,626,472 9,586,630,182
rfn' lgIf]k 12,124,262,057 10,082,510,428 12,124,262,057 10,082,510,428
cGo 4,143,076,471 4,740,925,713 4,143,076,471 4,740,925,713
JolQmut u|fxs
cfjlws lgIf]k 78,618,279,848 67,508,664,473 78,618,279,848 67,508,664,473
art lgIf]k 55,558,767,289 48,215,204,250 54,011,452,479 46,243,618,499
rfn' lgIf]k 571,525,357 377,651,806 571,525,357 377,651,806
cGo 38,061,989 62,846,041 38,061,989 62,846,041
hDdf 211,559,440,640 186,501,125,826 210,304,687,147 184,817,106,463
$=@)=! M u|fxsaf6 k|fKt lgIf]ksf] d'b|f adf]lhd ljZn]if0f

;d'x a}+s
ljj/0f
g]kfnL ?k}ofF 208,937,351,981 182,942,718,303 207,682,598,489 181,258,698,940
ef/tLo ?k}ofF - - - -
cd]l/sg 8n/ 2,357,085,907 3,263,434,894 2,357,085,907 3,263,434,894
u|]6 la|6]g kfpG8 12,114,378 28,500,390 12,114,378 28,500,390
o"/f] 31,692,227 42,730,754 31,692,227 42,730,754
hfklgh Pg - - - -
rfOlgh o'cfg 211,902,705 217,663,250 211,902,705 217,663,250
cGo 9,293,441 6,078,235 9,293,441 6,078,235
hDdf 211,559,440,640 186,501,125,826 210,304,687,147 184,817,106,463
;fk6L 4.21
;d'x a}+s
ljj/0f
cfGtl/s ;fk6L
g]kfn ;/sf/ - - - -
cGo ;+:yf 1,566,632,426 1,747,615,751 - -
cGo - - - -
hDdf 1,566,632,426 1,747,615,751 - -
ljb]zL ;fk6L
ljb]zL a}+s tyf ljQLo
14,814,903,379 12,997,400,000 14,814,903,379 12,997,400,000
;+:yf
ax'kIfLo ljsf; a}+sx? - - - -
cGo ;+:yf - - - -
hDdf 14,814,903,379 12,997,400,000 14,814,903,379 12,997,400,000
hDdf 16,381,535,805 14,745,015,751 14,814,903,379 12,997,400,000

Joj:yf 4.22
;d'x a}+s
ljj/0f
/]8'G8]G;Lsf] lglDt Joj:yf - - - -
k'gM ;+/rgfsf] lglDt Joj:yf - - - -
rln/x]sf] sfg'gL tyf s/ d'2fsf] lglDt Joj:yf - - - -
cgl/o; ;Demf}tfsf] lglDt Joj:yf - - - -
cGo 1,630,787 1,600,016 - -
hDdf 1,630,787 1,600,016 - -
$=@@=! M Joj:yfdf ePsf] ptf/ r9fj

;d'x a}+s
ljj/0f
>fj0f !, sf] df}Hbft 1,600,016 1,703,106 - -
o; jif{df ul/Psf] Joj:yf 30,771 - - -
o; jif{df k|of]u ul/Psf] Joj:yf - - - -
o; jif{df ljkoo{ ul/Psf] Joj:yf (103,089) - -
;'ljwf lnOPsf] 5'6 - - - -
cfiff9 d;fGtsf] df}Hbft 1,630,787 1,600,016 - -
cGo bfloTj 4.23
;d'x a}+s
ljj/0f
kl/eflift sd{rf/L nfe of]hgf ;DaGwL
167,622,272 139,794,572 158,073,801 125,618,519
bfloTj
nfdf] labfsf] nflu Joj:yf 521,359,284 428,670,949 490,421,596 409,863,524
cNksflng sd{rf/L nfe 266,034 123,185 - -
ltg{ afFsL ljN; 26,141,876 43,344,749 26,141,876 43,344,749
;fx' / lbg afFsL 3,039,883,734 3,128,475,063 2,492,940,480 2,529,351,681
lgIf]kdf ltg{ afFsL Aofh 151,943,093 845,794,343 151,943,093 845,794,343
;fk6Ldf ltg{ afFsL Aofh 215,738,075 203,513,831 195,186,320 186,998,498
:yug cg'bfg cfosf] bfloTj - - - -
ltg{ afFsL nfef+z 2,341,451 2,735,301 2,315,588 2,735,301
ljQLo lnh leqsf] bfloTj 995,628,541 1,079,052,687 929,323,909 1,079,052,687
ltg{ afFsL sd{rf/L jf]g; 528,078,086 551,059,304 512,128,802 512,809,753
cGo M
ltg{ afFsL e'QmgLdf s/ s§L 267,066,757 173,093,988 267,022,025 170,699,625
ltg{ afFsL n]vfkl/If0f z"Ns 2,119,735 1,330,550 2,100,000 1,118,700
cGo 8,313,017 12,419,908 - -
hDdf 5,926,501,955 6,609,408,428 5,227,597,491 5,907,387,378

$=@#=!= lgwf{l/t sd{rf/L bfloTj
cg'dflgt OsfO{ ljlw k|of]u u/L jflif{s ?kdf :jtGq ljdfl∙s d"Nof+sgstf{åf/f kl/eflift nfe bfloTj (defined benefit obligation) u0fgf ul/G5 . kl/eflift
of]ubfg of]hgf -defined contribution plan_ sf] ?kdf a}+sn] cfgf] sd{rf/Lx?nfO{ ;+rosf]if of]ubfg ;+rfng u/]sf] 5 . ;fy} sd{rf/L ;]jf cGtu{t pkbfg
e'QmfgLsf] nflu a}+sn] kl/eflift nfe of]hgf ;+rfng u/]sf] 5 . kl/eflift of]ubfg cGtu{t a}+sn] Ps :jtGq ?kdf ;+rfng u/]sf] cjsfz sf]ifdf e'QmfgL
ug]{ u/]sf] 5 / ;f] e'QmfgLnfO{ ;+rfng vr{df b]vfPsf] 5 . ;f] e'QmfgL u/]kl5 a}+sdf s'g} klg bfloTj afFsL /xFb}g . kl/eflift nfe of]hgsf] bfloTj ePsf]
kl/eflift nfe bfloTjsf] jt{dfg d"Nodf ;DklQ of]hgf -Plan Assets_ sf] km]o/ Eofn' 36fP/ afFsL ePsf] /sd a'‰g' kb{{5 . of] bfloTjx? ljdfl∙s cg'dfgsf
cfwf/df cf+sng ul/Psf x'G5g\ .
ljQLo cj:yfsf] ljj/0fdf b]vfO{Psf] /sdx?M
;d'x a}+s
ljj/0f
cgkmG8]8 bfloTjsf] cfhsf] d"No 523,463,276 440,287,764 504,655,851 422,604,588
kmG8]8 bfloTjsf] cfhsf] d"No 822,765,485 664,401,383 809,020,499 653,599,882
s'n bfloTjsf] cfhsf] d"No 1,346,228,761 1,104,689,147 1,313,676,350 1,076,204,470
;'ljwf of]hgf ;DklQsf] km]o/ Eofn' 665,652,026 533,154,703 650,946,698 527,981,363
v'b bfloTjsf] cfhsf] d"No 665,653,474 556,611,183 662,729,652 548,223,107
kl/eflift nfe bfloTjsf] n]lvs[t bfloTj 1,346,228,761 1,104,689,147 1,313,676,350 1,076,204,470
$=@#=@= ;'ljwf of]hgf ;DklQ

;d'x a}+s
ljj/0f
;'ljwf of]hgf ;DklQdf ;+nUg - - - -
OlSj6L ;]So'l/l6h - - - -
;/sf/L jG8 - - - -
a}+s lgIf]k 14,705,328 5,173,340
cGo 650,946,698 527,981,363 650,946,698 527,981,363
hDdf 665,652,026 533,154,703 650,946,698 527,981,363
$=@#=#= kl/eflift ;'ljwf of]hgf bfloTjsf] cfhsf] Eofn'df ptf/r9fj

;d'x a}+s
ljj/0f
>fj0f ! sf] nfe of]hgf bfloTj 1,104,689,147 876,421,391 1,076,204,470 838,524,982
ljdflËs gf]S;fgL 81,464,433 96,248,324 79,814,084 94,961,807
of]hgfaf6 e'QmfgL (110,395,118) (71,220,687) (105,993,916) (66,845,899)
rfn' ;'ljwf vr{ / Aofh 270,470,299 203,240,119 263,651,712 209,563,580
cfiff9 clGtdsf] nfe of]hgf bfloTj 1,346,228,761 1,104,689,147 1,313,676,350 1,076,204,470
$=@#=$M ;'ljwf of]hgf ;DklQsf] cfhsf] km]o/ Eofn'df ptf/r9fj

;d'x a}+s
ljj/0f
>fj0f ! sf] nfe of]hgf bfloTj 533,154,703 416,871,184 527,981,363 411,697,844
of]hgfdf lbPsf] of]ubfg 134,481,269 105,179,618 125,618,519 104,982,941
;fne/ ltl/Psf] nfe (39,383,428) (23,148,862) (38,927,777) (22,693,211)
ljdflËs gfkmf gf]S;fgL 9,902,856 16,551,430 9,150,262.00 16,664,751
;'ljwf of]hgf ;DklQaf6 ck]lIft nfe 27,496,626 17,701,333 27,124,331.00 17,329,038
cfiff9 clGtdsf] ;'ljwf of]hgf ;DklQsf] km]o/ Eofn' 665,652,026 533,154,703 650,946,698 527,981,363
$=@#=%= gfkmf gf]S;fg ljj/0fdf b]vfOPsf]] /sd

;d'x a}+s
ljj/0f
rfn' ;'ljwf vr{ 197,128,263 140,104,773 190,027,346 133,003,856
bfloTjdf Aofh 91,570,772 105,112,762 89,367,104 102,909,094
;'ljwf of]hgf ;DklQaf6 ck]lIft nfe (27,496,626) (17,701,333) (27,124,331) (17,329,038)
hDdf 261,202,409 227,516,202 252,270,119 218,583,912

$=@#=^M cGo lj:t[t cfodf b]vfOPsf] /sd
;d'x a}+s
ljj/0f
ljdflËs gfkmf gf]S;fg 38,397,612 30,441,669 39,023,899 30,839,276
hDdf 38,397,612 30,441,669 39,023,899 30,839,276
$=@#=& M ljdfl°s cg'dfgx?

;d'x a}+s
ljj/0f
5'6 b/ 10.00% 9.00% 10.00% 9.00%
;'ljwf of]hgf ;DklQaf6 ck]lIft nfe 9.00% 9.00% 9.00% 9.00%
eljiodf x'g] tnjdf j[l2 8.75% 8.00% 8.75% 8.00%
lkmtf{ b/ 16.00% 16.00% 16.00% 16.00%

aLdf ;ldltn] hf/L u/]sf] Nepali Assured Lives Mortality (2009) cg';f/ d[To'b/ tflnsfsf] k|of]u ul/Psf] 5 . ;xfos sDkgLx? ;DklQ of]hgf /x]sf] 5}g . ljdfl°s k|ltj]bgsf] cfwf/df
a}+sn] pkbfgsf] /sd gful/s nufgL sf]ifdf hDdf ug]{ u/]sf] 5 .
hf/L ul/Psf] C0fkq 4.24
;d'x a}+s
ljj/0f
lgisflzt ul/Psf] C0fkq -;]So'l/l6h_ sf] km]o/
- - - -
Eofn'nfO{ gfkmf gf]S;fgdf auL{s[t
ckn]lvt d"Nodf lgisflzt u/LPsf] C0fkq -;]So'l/l6h_ 11,911,942,000 8,127,853,522 11,911,942,000 8,127,853,522
hDdf 11,911,942,000 8,127,853,522 11,911,942,000 8,127,853,522
aSof}tf /x]sf] C0fkqx?sf] ljj/0f o; k|sf/ 5 M

cls+t d"No ?
ljj/0f hf/L ldlt kl/kSj ldlt Aofh b/
-bz nfvdf_
PgPdla C0fkq @)*(÷() #) r}q @)&( @( r}q @)*( 10.75% 4,000
PgPdla phf{ C0fkq @)(@÷(# @) h]i7 @)&* @) h]i7 @)(# 4.00% 1,500
PgPdla phf{ C0fkq @)(#÷($ !) h]i7 @)&( !) h]i7 @)($ 4.00% 2,727
PgPdla C0fkq @)*% @( r}q @)&% @( r}q @)*% 10.00% 1,685
PgPdla C0fkq @)*&÷** !! h]i7 @)&* !! h]i7 @)** 8.50% 2,000
;'/If0f g/flvPsf] ;xfos cfjlws 4.25
;d'x a}+s
ljj/0f
r'Qmf x'g] cu|flwsf/ z]o/ - - - -
r'Qmf gx'g] cu|flwsf/ z]o/ - - - -
cGo - - - -
hDdf - - - -
z]o/ k"FhL 4.26
;d'x a}+s
ljj/0f
;fwf/0f z]o/ 18,366,705,959 18,366,705,959 18,366,705,959 18,366,705,959
kl/jTo{ cu|flwsf/ z]o/ - - - -
r'Qmf gx'g] -Ol/l8d]jn_ cu|flwsf/ z]o/ - - - -
k/lkRo'cn C0f - - - -
hDdf 18,366,705,959 18,366,705,959 18,366,705,959 18,366,705,959

$=@^=! M ;fwf/0f z]o/
a}+s
ljj/0f
clws[t k"FhL
@)),))),))) ;fwf/0f z]o/ k|lt ?=!)) 20,000,000,000 20,000,000,000
hf/L k"FhL
!*#,^^&,)^) ;fwf/0f z]o/ k|lt ?=!)) 18,366,705,959 18,366,705,959
r'Qmf k"FhL
!*#,^^&,)^) ;fwf/0f z]o/ k|lt ?=!)) 18,366,705,959 18,366,705,959
hDdf 18,366,705,959 18,366,705,959
ljleGg jif{x?df a}+ssf] r'Qmf k"FhLdf lgDg lnlvt kl/jt{g ePsf 5g\ .
cfly{s jif{x? r"Qmf k"FhL ?= s}lkmot
@))^÷)& -@)^#÷^$ lj= ;+_ 199,540,600 #)∞ af]g; z]o/ hf/L
@))&÷)* -@)^$÷^% lj= ;+_ 1,000,000,000 !M$ xsk|b z]o/ hf/L
@))*÷)( -@)^%÷^^ lj= ;+_ 1,424,641,350 !)∞ af]g; z]o/ tyf #)∞ xsk|b z]o/ hf/L
cf=j= @))*÷)( sf] laqmL gePsf] %#,%*^=%) lsQf xsk|b z]o/ lnnfd
@))(÷!) -@)^^÷^& lj=;+_ 1,651,650,000 a9fa9df laqmL ul/Psf] tyf &!%,))) lsQf ;fwf/0f z]o/sf] yk goFf
lgisfzg ul/Psf] . z]o/ lk|ldodsf] n]vf+sg ;d]t ul/Psf] 5 .
!)M@!=)(! xsk|b z]o/ tyf laqmL gePsf] pQm xsk|b z]o/x? lnnfd
@)!)÷!! -@)^&÷^* lj=;+_ 2,000,000,000
a9fa9df laqmL ul/Psf
@)!#÷!$ -@)&)÷&! lj=;+_ 2,400,000,000 @)∞ af]g; z]o/ hf/L
@)!%÷!^ -@)&@÷&# lj=;+_ 4,154,559,320 uflePsf ;+:yfsf z]o/ wgLx?nfO{ k|bfg ul/Psf] z]o/
@)!%÷!^ -@)&@÷&# lj=;+_ 4,486,924,066 *∞ af]g; z]o/ hf/L
@)!^÷!& -@)&#÷&$ lj=;+_ 5,430,062,466 PkmPdcf]] sf] cltl/St nufgL ?=($#,!#*,$))
@)!^÷!& -@)&#÷&$ lj=;+_ 6,461,774,334 !(∞ af]g; z]o/ hf/L
@)!&÷!* -@)&$÷&% lj=;+_ 7,603,290,634 yk ;fj{hlgs lgZsfzg (FPO) hf/L
@)!*÷!( -@)&%÷&^ lj=;+_ 9,618,162,652 cf=j= @)&#÷&$ sf] !%∞ / cf=j= @)&$÷&% sf] !)∞ af]g; z]o/ hf/L
cf=j= @)&%÷&^ sf] @!∞ af]g; z]o/ hf/L / ;fljssf] cf]d 8]enkd]G6 a}+s
@)!(÷@) -@)&^÷&& lj=;+_ 13,950,987,467 lnld6]8;Fu dh{/ kl5 !M)=&^ :jfk cg'kftdf ? !,(!!,%&(,)%^ sf] z]o/
hf/L
cf=j= @)&^÷&& sf] !#∞ af]g; z]o/ hf/L / ;fljssf] s~rg 8]enkd]G6 a}+s
@)@)÷@! -@)&&÷&* lj=;+_ 16,325,960,853
lnld6]8;Fu PlSjhL;g kl5 !M)=*% :jfk cg'kftdf hf/L ul/Psf] z]o/
@)@!÷@@ -@)&*÷&( lj=;+_ 18,366,705,959 cf=j= @)&&÷&* sf] !@=%)∞ af]g; z]o/ hf/L
cfiff9 @)*) d;fGtdf !)%,)@)=%( lsQf z]o/ cf+lzs /x]sf 5g\ . cf+lzs z]o/x? ;fdfGotf af]g; z]o/ tyf z]o/ laefhgaf6 cfpg] ub{5g\ .
$=@^=@= ;fwf/0f z]o/ :jfldTj

a}+s
k|ltzt /sd k|ltzt /sd
:jb]zL :jfldTj 82.09 15,077,764,594 82.09 15,077,764,594
g]kfn ;/sf/ - - - -
s ju{sf Ohfht k|fKt ;+:yfx? - - - -
cGo Ohfht k|fKt ;+:yfx? - - - -
cGo ;+:yfx? 11.21 2,059,824,353 10.67 1,959,642,075
;j{;fwf/0f 70.88 13,017,940,241 71.42 13,118,122,519
cGo - - - -
j}b]lzs :jfldTj 17.91 3,288,941,365 17.91 3,288,941,365
hDdf 100.00 18,366,705,959 100.00 18,366,705,959

cfiff9 d;fGt @)*) df a}+ssf] )=%∞ jf ;f] eGbf a9L z]o/ :jfldTj /x]sf] z]o/wgLx? o; k|sf/ 5g\ .
z]o/ wgLx?sf] gfd z]o/ lsQf wf/0f ∞
!= Pkm Pd cf], g]b/Nof08; 25,147,142 13.69
@= sd{rf/L ;+ro sf]if 10,150,729 5.53
#= o+u lnog l/oN6L P;= 8L= Pg= lj Pr 8L=, dn]l;of 7,742,270 4.22
$= ufO{qL Oge]:6d]G6 P08 Dofg]hd]G6 -k|f=_ ln= 3,351,602 1.82
%= gGb lszf]/ /f7L 3,093,320 1.68
^= wgGho k|;fb cfrfo{ 2,806,161 1.53
&= ;'lgn s'df/ uf]zfnL 1,901,987 1.04
*= ;'lzn s'df/ uf]zfnL 1,750,316 0.95
(= kjg s'df/ uf]Nof0f 1,696,732 0.92
!)= of]u]Gb| nfn k|wfg 1,674,101 0.91
!!= ;Gtf]if b]jL d'/f/sf 1,459,222 0.79
!@= k'?iff]Qd nfn ;+3fO{ 1,295,492 0.71
!#= kz'klt d'/f/sf 1,072,263 0.58
!$= ;Gtf]if /f7L 1,058,697 0.58
!%= lbgjGw' cu|jfn 972,574 0.53
!^= an/fd Gof}kfg] 954,894 0.52
hu]8f 4.27
;d'x a}+s
ljj/0f
a}wflgs hu]8f sf]if 5,023,919,100 4,378,507,553 4,961,230,955 4,316,721,496
;6xL ;lds/0f sf]if 156,976,329 142,208,489 156,976,329 142,208,489
;+:yfut ;fdflhs pQ/bfloTj sf]if 62,922,085 38,557,626 57,546,535 34,652,799
k'FhL lkmtf{ hu]8f sf]if - - - -
lgofds sf]if 2,471,873,634 1,542,188,558 2,425,505,705 1,513,502,599
nufgL ;dfof]hg sf]if - 50,000,000 - 50,000,000
k'FhLut hu]8f sf]if - - - -
;DklQ k"gM d"Nof°g sf]if - -
km]o/ Eofn' sf]if 157,501,570 262,131,421 150,740,985 254,541,133
nfef+z ;lds/0f sf]if - -
C0fkq e'QmfgL sf]if 1,156,728,661 590,062,282 1,156,728,661 590,062,282
ljdflËs gfkmf gf]S;fg (152,481,652) (110,982,631) (149,656,654) (110,632,755)
ljif]z sf]if - - - -
cGo sf]if - - - -
:yug s/ sf]if - - - -
k"FhL ;dfof]hg sf]if 57,326,449 57,326,449 57,326,449 57,326,449
sd{rf/L bIftf j[l2 sf]if -tflnd sf]if_ 29,082,140 23,688,046 27,657,096 22,263,002
sd{rf/L /fxt sf]if 10,000,000 10,000,000 10,000,000 10,000,000
cGo sf]if 90,688,668 92,871,984 72,829,139 72,829,139
hDdf 9,064,536,984 7,076,559,779 8,926,885,198 6,953,474,633

OlSj6Ldf ePsf] kl/jt{g ;DaGwL ljj/0fdf b]vfO{Psf cGo sf]ifx?df C0fkq e'QmfgL sf]if, sd{rf/L clej[l4 sf]if, ;+:yfut ;fdflhs pQ/bfloTj sf]if, nufgL
;dfof]hg sf]if, k"FhL ;dfof]hg sf]if, sd{rf/L /fxt sf]if tyf ljdfl°s nfe÷xfgL kb{5g\ .
a}+sn] cf=j= @)&%÷&^ b]vL sd{rf/Lsf] >Ldfg\÷>LdftL, ;Gtfg jf cfkm}+ s'g} uDeL/ k|sf/sf] /f]uaf6 u|;Lt eO{ jf s'g} uDeL/ k|sf/sf] k|fs[lts 36gf eO{ jf
s'g} cGo uDeL/ sf/0fn] tLj| cfly{s ;°6 k/]sf a]nf /fxt :j?k ;xof]u x]t' ? !),))),))) sf] sd{rf/L /fxt sf]if :yfkgf ul/Psf] 5 . o; cjlwdf
a}+sn] ?=! ldlnog /sd e'QmfgL u/]sf] 5 . of] sf]ifnfO{ Tier 2 Capital df u0fgf ul/Psf] 5 .
g]kfn /fi6« a}+ssf] lgb]{zg cg';f/ lgodgsf/L sf]if v8f ul/Psf] 5 . a}+sn] tof/ u/]sf] NFRS Complaint ljQLo ljj/0fdf g]kfn /fi6« a}+ssf] lgb]{zg
adf]lhd ;l~rt d'gfkmf (Retained earnings) vftfdf vr{ u/L lgodgsf/L sf]ifdf hDdf ul/Psf] 5 . lgodgsf/L sf]ifdf hDdf ePsf] /sdaf6 nfef+z -gub
tyf af]g; z]o/_ ljt/0f ug{ ldNg] 5}g . o; sf]ifdf 5'6\ofOPsf] /sddf NFRS cg';f/sf] ;dfof]hgx? tn pNn]lvt ul/Psf] 5g\ .
@)&( cfiff9
ljj/0f cfiff9 d;fGt @)*) cfiff9 d;fGt @)&( d;fGtdf lgofds sf]
ifdf ;l/Psf]
shf{ tyf ;fk6Ldf Aofh d'NtjL-sd{rf/L ;lxt_ 1,387,417,570 877,953,322 509,464,247
u}/ a}+lsË ;DklQ-nufgL ;DklQ_ sf] Joj:yf 439,555,738 185,951,758 253,603,980
:yug s/ ;DklQ 448,875,744 338,964,764 109,910,979
ljdfl°s gf]S;fgx? 149,656,654 110,632,755 39,023,899
OlSj6L z]o/x?sf] km]o/ Eofn' ;dfof]hg - - -
hDdf 2,425,505,705 1,513,502,599 912,003,106
a}+sn] @)*) ;fpg !% ut] ;Dd ;ª\sng u/]sf] Aofh /sd ?=#%)=$^ -bz nfvdf_ lgodgsf/L sf]ifdf cfDbfgL afFw]sf] 5 .

PgPdla a}+s lnld6]8
;Defljt bfloTj / ;°Nk 4.28
;d'x a}+s
ljj/0f
;Defljt bfloTj 67,261,224,076 60,804,320,365 67,261,224,076 60,804,320,365
ljt/0f gul/Psf] ;'ljwfx? 111,052,835,718 94,978,942,568 111,052,835,718 94,978,942,568
k"FhL k|ltj4tf 93,632,160 62,635,457 93,632,160 62,035,457
nLh k|ltj4tf 929,323,909 1,201,921,795 929,323,909 1,201,921,795
d'2f dfldnf 401,455,064 388,480,792 401,455,064 388,480,792
hDdf 179,738,470,926 157,436,300,976 179,738,470,926 157,435,700,976
$=@*=! M ;Defljt bfloTj

;d'x a}+s
ljj/0f
P;]K6]G; / 8s'd]G6«L q]ml86 29,204,688,542 31,492,731,102 29,204,688,542 31,492,731,102
;+sngsf] nflu jLN; 1,697,986,052 1,546,098,125 1,697,986,052 1,546,098,125
Uof/]lG6h 36,358,549,481 27,765,491,138 36,358,549,481 27,765,491,138
cG8//fOl6Ë k|ltj4tf - - - -
cGo k|ltj4tf - - -
hDdf 67,261,224,076 60,804,320,365 67,261,224,076 60,804,320,365
$=@*=@ M ljt/0f gul/Psf] ;'ljwfx?

;d'x a}+s
ljj/0f
pkof]u gul/Psf] shf{ 5,207,015,364 11,366,541,751 5,207,015,364 11,366,541,751
cf]e/8«f6sf] pkof]u gePsf] l;df 11,946,603,547 11,719,585,513 11,946,603,547 11,719,585,513
qm]l86 sf8{sf] pkof]u gul/Psf] l;df 914,411,110 902,438,014 914,411,110 902,438,014
n]6/ ckm qm]l86sf] pkof]u

50,275,579,793 36,388,647,794 50,275,579,793 36,388,647,794
gul/Psf] l;df
Uof/]lG6sf] pkof]u gul/Psf] l;df 42,709,225,904 34,601,729,496 42,709,225,904 34,601,729,496
hDdf 111,052,835,718 94,978,942,568 111,052,835,718 94,978,942,568

$=@*=# M k"FhL k|ltj4tf
;DaGwLt clwsf/Låf/f :jLs[t ul/Psf] t/ ljQLo ljj/0fdf Joj:yf gul/Psf] k"FhLut vr{
;d'x a}+s
ljj/0f
;DklQ / pks/0fsf] nflu k"FhL k|ltj4tf
l:js[t / ;Demf}tf ul/Psf] 68,442,410 37,416,129 68,442,410 36,816,129
l:js[t ul/Psf] t/ ;Demf}tf gul/Psf] 18,325,300 21,727,928 18325300 21,727,928.32
hDdf 86,767,710 59,144,057 86,767,710 58,544,057
cd't{ ;DklQsf] nflu k"FhL k|ltj4tf

l:js[t / ;Demf}tf ul/Psf] 1,214,450 3,491,400 1,214,450 3,491,400.00
l:js[t ul/Psf] t/ ;Demf}tf gul/Psf] 5,650,000 - 5650000
hDdf 6,864,450 3,491,400 6,864,450 3,491,400
hDdf 93,632,160 62,635,457 93,632,160 62,035,457
$=@*=$ M lnh k|ltj4tf

;d'x a}+s
ljj/0f
;+rflnt lnh k|ltj4tf - - - -
a}+s lnhL ePsf] v08df /2 ug{ g;lsg] lnh

- - - -
;Demf}tfsf] 36Ldf ltg'{ kg]{ eljiosf] /sd
Ps jif{ ggf3]sf] 207,280,107 207,403,190 207,280,107 207,403,189.67
Ps jif{ eGbf a9L % jif{ eGbf sd 521,286,583 752,463,267 521,286,583 752,463,266.72
% jif{ dflysf] 200,757,219 242,055,339 200,757,219 242,055,338.64
hDdf 929,323,909 1,201,921,795 929,323,909 1,201,921,795.03
ljQ nLh k|ltj4tf

a}+s lnhL ePsf] v08df /2 ug{ g;lsg] lnh ;Demf}tfsf] 36Ldf ltg'{ kg]{ eljiosf] /sd
Ps jif{ ggf3]sf] - - - -
Ps jif{ eGbf a9L % jif{ eGbf sd - - - -
% jif{ dflysf] - - - -
hDdf - - - -
s"n hDdf 929,323,909 1,201,921,795.03 929,323,909 1,201,921,795.03
a}+sn] cf=j= @)&*÷&( b]lv Modified retrospective ljwLaf6 NFRS 16 nfu' u/]sf] 5 . / o; ljwLsf] cumulative k|efj u0fgf u/L Initial Application ldltaf6 dfq dfGotf lbO{Psf] 5 .

PgPdla a}+s lnld6]8
$=@*=%M cfos/ d'2f
s= ;Defljt s/ bfloTj
7"nf s/bftf sfof{non] hf/L u/]sf] ljleGg cfly{s jif{sf] ;+;f]lwt s/ lgwf{/0f cfb]zsf] la?4df a}+sn] ljleGg cbfntx?df d'2f÷lgj]bg bfo/ u/]sf] 5 . ;f]sf] ljj/0f b]xfo adf]lhd /x]sf] 5M
PgPdla a}+s lnld6]8

ljjflbt s/
cfly{s jif{ ljj/0f
/sd ?=
cf=j= @)^#÷^$ @)&).!!.!% df >L ;jf]{Rr cbfntdf d'2f bfo/ u/]sf] / clGtd lg0f{o x'g afFsL /x]sf] 39,401,690
cf=j= @)^$÷^% @)&!.)(.@$ df >L ;jf]{Rr cbfntdf d'2f bfo/ u/]sf] / clGtd lg0f{o x'g afFsL /x]sf] 33,079,162
cf=j= @)^^÷^& >L ;jf]{Rr cbfntdf d'2f bfo/ u/]sf] / clGtd lg0f{o x'g afFsL /x]sf] 42,668,571
cf=j= @)^&÷^* >L ;jf]{Rr cbfntdf d'2f bfo/ u/]sf] / clGtd lg0f{o x'g afFsL /x]sf] 8,710,713
cf=j= @)^*÷^( >L ;jf]{Rr cbfntdf d'2f bfo/ u/]sf] / clGtd lg0f{o x'g afFsL /x]sf] 5,891,178
cfGtl/s /fh:j ljefusf] k|zf;sLo k'g/fjnf]sgsf] lg0f{o cfPsf] / ;f] pk/ a+}sn] ldlt @)&^.!!.@* df
cf=j= @)^(÷&) 21,383,488
/fh:j Gofoflws/0fdf k'g/fj]bg bfo/ u/]sf]df clGtd lg0f{o x'g afFsL /x]sf]
cfGtl/s /fh:j ljefusf] k|zf;sLo k'g/fjnf]sgsf] lg0f{o cfPsf] / ;f] pk/ a+}sn] ldlt @)&&.)$.@% df
cf=j= @)&)÷&! 4,982,475
cfGtl/s /fh:j ljefusf] k|zf;sLo k'g/fjnf]sgsf] lg0f{o cfPsf] / ;f] pk/ a+}sn] ldlt @)&&.)$.@) df
cf=j= @)&!÷&@ 7,475,620
cfGtl/s /fh:j ljefusf] k|zf;sLo k'g/fjnf]sgsf] lg0f{o cfPsf] / ;f] pk/ a+}sn] ldlt @)&*.)%.!^ df
cf=j= @)&@÷&# 13,596,886
ldlt @)&*.)^.)% df 7"nf s/bftf sfof{no lj?4 cfGtl/s /fh:j ljefudf k|zf;sLo k'g/fjnf]sgsf]
cf=j= @)&#÷&$ 42,900,374
nflu lgj]bg u/]sf] / ;f]sf] lg0f{o x'g afFsL /x]sf]
ldlt @)&(.)$.!* df 7"nf s/bftf sfo{no lj?4 cfGtl/s /fh:j ljefudf k|zf;sLo k'g/fjnf]sgsf]
cf=j= @)&$÷&% 97,380,992
hDdf 317,471,148
tTsflng lSng OghL{ 8]eNkd]06 a}Fs lnld6]8

cfGtl/s /fh:j ljefusf] k|zf;sLo k'g/fjnf]sgsf] lg0f{o cfPsf] / ;f] pk/ a+}sn] ldlt @)&^.)%.!( df
cf=j= @)^%÷^^ 6,270,169
cfGtl/s /fh:j ljefusf] k|zf;sLo k'g/fjnf]sgsf] lg0f{o cfPsf] / ;f] pk/ a+s} n] ldlt @)&^.)%.!( df
cf=j= @)^^÷^& 26,707,288
cf=j= @)^&÷^* >L ;jf]{Rr cbfntdf d'2f bfo/ u/]sf] / clGtd lg0f{o x'g afFsL /x]sf] 10,102,175
cf=j= @)^*÷^( >L ;jf]{Rr cbfntdf d'2f bfo/ u/]sf] / clGtd lg0f{o x'g afFsL /x]sf] 5,174,168
cf=j= @)^(÷&) 4,185,138
cf=j= @)&)÷&! 3,780,670
cfGtl/s /fh:j ljefusf] k|zf;sLo k'g/fjnf]sgsf] lg0f{o cfPsf] / ;f] pk/ a+}sn] ldlt @)&&.)&.!( df
cf=j= @)&!÷&@ 4,503,387
ldlt @)&&.!!.@) df 7"nf s/bftf sfo{no lj?4 cfGtl/s /fh:j ljefudf k|zf;sLo k'g/fjnf]sgsf]
cf=j= @)&@÷&# 137,497
hDdf 60,860,492
tTsflng k|"8]lG;on kmfOgfg\; lnld6]8

ldlt @)&).)&.@( df cfGtl/s /fh:j ljefudf k|zf;sLo k'g/fjnf]sgsf] nflu lgj]bg u/]sf] / clGtd
cf=j= @)^%÷^^ 5,659,272
lg0f{o x'g afFsL /x]sf]
hDdf 5,659,272

tTsflng e[s'6L 8]enkd]G6 a}Fs lnld6]8
ldlt @)&^.)$.)& df 7"nf s/bftf sfof{no lj?4 cfGtl/s /fh:j ljefudf k|zf;sLo k'g/fjnf]sgsf]
cf=j= @)&!÷&@ 224,862
nflu lgj]bg u/]sf] / clGtd lg0f{o x'g afFsL /x]sf]
hDdf 224,862
tTsflng cf]d 8]enkd]G6 a}Fs lnld6]8

cf=j= @)&@÷&# /fh:j Gofoflws/0fdf ph'/L bfo/ u/L km};fnf cfpg afFsL 7,047,757
ldlt @)&&.)*.!% df 7"nf s/bftf sfof{no lj?4 cfGtl/s /fh:j ljefudf k|zf;sLo k'g/fjnf]sgsf]
cf=j= @)&#÷&$ 2,922,114
ldlt @)&(.)^.@^ df 7"nf s/bftf sfof{no lj?4 cfGtl/s /fh:j ljefudf k|zf;sLo k'g/fjnf]sgsf]
cf=j= @)&$÷&% 5,956,967
hDdf 15,926,838
tTsflng cf]d kmfOgfG; lnld6]8

ldlt @)&&.)(.!( df 7"nf s/bftf sfof{no lj?4 cfGtl/s /fh:j ljefudf k|zf;sLo k'g/fjnf]sgsf]
cf=j= @)&@÷&# 1,312,453
hDdf 1,312,453
s'n 401,455,064
clGtd lg0f{o x'g afFsL /x]sf] x'gfn] s"n ljjflbt s/ /sd ?=401,455,064÷– cg';'rL $=@*=% df cfos/ jfkt ;Defljt bfloTj lzif{sdf b]vfO{Psf] 5 /
yk bfloTjsf] nflu JoJ:yf ul/Psf] 5}g .
cf=j= @)&(÷*) sf] cGt ;Dddf, PgPdla a}+s ln= cf=j= @)&%.&^ b]lv cf=j= @)&&.&*, tTsflng cf]d 8]enkd]G6 a}Fs lnld6]8 a}+ssf] @)&%.&^ b]lv cf=j=
@)&^÷&&, tyf tTsflng s~Rfg 8]enkd]G6 a}Fs lnld6]8 a}+ssf] cf=j= @)&%.&^ b]lv @)&&.&* ;Dd ;DalGwt s/ sfo{noaf6 s/ lgwf{/0f x'g afFsL /x]sf] 5 .
cfly{s P]g @)*) sf] bkmf @^ n] cfly{s jif{ @)&*÷&( ;Dd kmb{/ klAns ckml/ª -PkmkLcf]_ dfkm{t z]o/ lgisf;gaf6 ;°ng ul/Psf] af]g; ;]o/sf]
/sddf cfos/ nfu' x'g] Joj:yf u/]sf] . ;fy}, bkmf @& n] dh{/ tyf PlSjlh;gaf6 pTkGg x'g] s'g} klg afu]{g vl/b nfe (Bargain Purchase Gain) af6
;]o/wgLnfO{ ljt/0f u/]sf] af]g; ;]o/sf] /sddf s/ nfUg] Joj:yf u/]sf] . dflysf v08x¿åf/f ul/Psf oL kl/dfh{gx¿n] Aofh / hl/jfgf 5'6 kfpg
@)*) dª\;L/ d;fGt;Dddf s/ hDdf ug{'kg]{ Joj:yf ;d]t u/]sf] . ;f] Joj:yf pk/ o; a}+s ;d]tn] ;Ddflgt ;jf]{Rr cbfntdf l/6 lgj]bg bfo/
u/]sf] .
v= o; a}+sn] cf=j= @)&@.&# sf] bf];|f] q}df;df sdnfbL ,sf7df08f}df /x]sf] *) cfgf -@%$# au{ dL_ hUuf rf/ j6f ljQLo ;+:yf ;+nUg ePsf lnnfdL k|lqmofaf6
;fsf/ u/]sf] lyof] . tTsflng hUuf wgLn] of] lnnfdL k|lqmof vf/]hLsf] nflu sf7df08f} lhNnf cbfntdf d'2f bfo/ u/L ljrf/flwg cj:yfdf /x]sf] 5 .

PgPdla a}+s lnld6]8
Aofh cfDbfgL 4.29
shf{ nufgL, FVTPL df dfkg ul/g] nufgL afx]s, gub tyf gub ;dfg, a}+s tyf ljQLo ;+:yfaf6 lng kg]{ cf;fdL nufotaf6 k|fKt Aofh cfDbfgL o; cGt{ut ;dfj]z ul/Psf] 5 .
;d'x a}+s
ljj/0f
gub tyf gub ;dfg 55,657,054 3,669,562 44,617,461 4,689,367
g]kfn /fi6« a}+saf6 kfpg afFsL - - - -
a}+s tyf ljQLo ;+:yfdf /x]sf] df}Hbft 194,332,909 241,846,558 194,332,909 206,051,845
a}+s tyf ljQLo ;+:yfx?nfO{ shf{ tyf ;fk6L 634,797,665 383,326,726 767,634,546 457,196,556
u|fxsx?nfO{ shf{ tyf ;fk6L 23,978,541,504 17,854,792,786 23,180,116,511 17,006,147,281
lwtf]kqdf nufgL 2,129,683,072 1,249,279,464 2,143,039,204 1,226,339,099
sd{rf/L shf{ tyf ;fk6L 290,446,214 259,923,088 290,446,214 259,923,088
cGo 2,273,369 8,515,358 2,273,369 8,515,358
hDdf Aofh cfDbfgL 27,285,731,788 20,001,353,542 26,622,460,214 19,168,862,594
g]kfn /fi6« a}+ssf] Aofh cfDbfgL hgfpg] lbzflgb]{z adf]lhd cf=j= @)&(÷*) df ?=346,597,086 Aofh cfDbfgL 36fO{ Aofh d"NtaLdf /flvPsf] 5 .
Aofh vr{ 4.30

;d'x a}+s
ljj/0f
a}+s tyf ljQLo ;+:yfx?nfO{ ltg{ afFsL
42,152,512 36,294,401 42,117,359 36,294,401
shf{ ;fk6
g]kfn /fi6« a}+snfO{ ltg{ afFsL 123,255,914 169,587,651 123,255,914 169,587,651
u|fxsaf6 lgIf]k bfloTj 16,094,208,076 11,869,801,097 16,127,946,431 11,825,860,722
;fk6L 1,717,948,874 591,409,396 1,367,214,799 327,113,800
hf/L ul/Psf] lwtf]kq 619,465,788 422,466,178 619,465,788 422,466,178
;xfos cfjlBs bfloTj - - - -
cGo - - - -
hDdf Aofh vr{ 18,597,031,165 13,089,558,723 18,280,000,292 12,781,322,752
z'Ns tyf sldzg cfDbfgL 4.31

;d'x a}+s
ljj/0f
shf{ Joj:yfkg z'Ns 617,331,177 705,211,769 365,516,769 454,612,777
;]jf z'Ns - -
;xljQLos/0f z'Ns 46,714,953 46,223,280 46,714,953 46,223,280
k|ltj4tf z'Ns 4,055,513 872,188 4,055,513 872,188
l8l8÷l6l6÷l:jkm\6 z'Ns 48,509,899 32,076,471 48,509,899 32,076,471
qm]l86 sf8{ ÷P6LPd hf/L / gljs/0f z'Ns 204,709,959 141,681,919 204,709,959 141,681,919
clu|d e'QmfgL tyf :jfk z'Ns 8,638,099 9,631,009 8,638,099 9,631,009
OGe]i6d]G6 a}+lsË z'Ns - - - -
;DklQ Joj:yfkg z'Ns - - - -
bnfnL z'Ns 1,463,547 - - -
/]ld6]G; z'Ns 48,960,744 31,948,594 48,960,744 31,948,594
k|lttkq sldzg 133,653,489 113,873,690 133,653,489 113,873,690
Uof/]lG6 ;Demf}tf hf/Ldf sldzg 490,024,341 453,735,495 490,024,341 453,735,495
z]o/ k|Tofe"lt hf/Laf6 sldzg - - - -
ns/ ef8f z'Ns 8,171,850 6,328,963 8,171,850 6,328,963
cGo z'Ns / sldzg cfDbfgL -
laN; vl/b tyf 5'6 - - - -
sn]Szg z'Ns 6,853,142 7,553,013 6,853,142 7,553,013
Ph]G;L sldzg 12,432,594 12,724,665 12,432,594 12,724,665
cGo 485,841,506 399,057,080 455,231,265 378,210,495
hDdf z'Ns / sldzg cfDbfgL 2,117,360,813 1,960,918,135 1,833,472,617 1,689,472,559

z'Ns tyf sldzg vr{ 4.32
;d'x a}+s
ljj/0f
P6LPd Joj:yfkg z'Ns 78,157,396 70,215,942 78,157,396 70,215,942
lehf÷df:6/ sf8{ z'Ns 126,028,372 70,760,120 126,028,372 70,760,120
k|ltj4tf sldzg - - - -
bnfnL vr{ - - - -
l8l8÷l6l6÷l:jkm\6 z'Ns 10,287,830 10,777,156 10,287,830 10,777,156
ljk|]if0f z'Ns / sldzg 482,927 - - -
cGo z'Ns / sldzg vr{ 73,881,235 64,487,817 72,137,507 64,487,817
s'n z'Ns / sldzg vr{ 288,837,761 216,241,035 286,611,105 216,241,035
v'b Jofkf/ cfDbfgL 4.33
;d'x a}+s
ljj/0f
Jofkfl/s ;DklQsf] km]o/ Eofn'df abnfj 5,269,306 (673,565) - -
Jofkfl/s ;DklQsf] lg;{udf ePsf]

- - - -
gfkmf÷-gf]S;fg_
Jofkfl/s ;DklQdf Aofh cfDbfgL - - - -
Jofkfl/s ;DklQdf nfef+z cfDbfgL - - - -
ljb]zL ;6xL sf/]fjf/df gfkmf÷-gf]S;fg_ 236,285,430 272,406,509 236,285,430 272,406,509
cGo - - - -
v'b Jofkfl/s cfo 241,554,736 271,732,943 236,285,430 272,406,509
cGo ;+rfng cfDbfgL 4.34
;d'x a}+s
ljj/0f
ljb]zL ljlgdosf] k'gd{'Nof°g cfDbfgL 59,071,357 68,101,627 59,071,357 68,101,627
nufgL ;]So'l/6Lsf] laqmLdf x'g]

54,039 107,480,350 54,039 107,480,350
gfkmf÷-gf]S;fg_
nufgL ;DklQsf] km]o/ Eofn'df x'g]
- - - -
gfkmf÷-gf]S;fg_
OlSj6L pks/0fdf nfef+z 121,760,924 148,451,536 116,113,909 142,201,528
;DklQ / ;fdfu|Lsf] laqmLdf x'g] gfkmf÷

10,690,621 55,102,209 10,690,621 55,102,209
-gf]S;fg_
nufgL ;DklQsf] laqmLdf x'g] gfkmf÷
2,040,008 18,826,243 2,040,008 18,826,243
-gf]S;fg_

;d'x a}+s
ljj/0f
;+rfng k§f cfo 2,370,671 - 2,370,671 2,629,289
;'g / rfFbLsf] laqmLdf x'g] gfkmf÷-gf]S;fg_ 13,805,903 12,425,438 13,805,903 12,425,438
cGo - - - -
cGo - - - -
hDdf 209,793,523 410,387,403 204,146,509 406,766,685
shf{sf] Iflt k|ef/÷-ljkoo{_ tyf cGo xfgL 4.35
;d'x a}+s
ljj/0f
a}+s tyf ljQLo ;+:yfnfO{ lbg] shf{
15,495,818 9,243,279 15,495,818 9,243,279
tyf ;fk6Ldf x'g] k|ef/
u|fxsnfO{ lbg] shf{ tyf ;fk6Ldf
1,503,510,859 (34,806,970) 1,439,674,752 (46,094,002)
x'g] k|ef/
ljQLo nufgLdf x'g] k|ef/ - - - -
a}+s tyf ljQLo ;+:yfsf] df}Hbftdf

(1,350,000) (375,000) (1,350,000.00) (375,000.00)
x'g] k|ef/
;DklQ / pks/0fdf x'g] k|ef/ - - - -
VoftL / cd't{ ;DklQdf k|ef/ - - - -
nufgL ;DklQdf k|ef/ - - - -
hDdf 1,517,656,677 (25,938,691) 1,453,820,570 (37,225,724)
sd{rf/L vr{ 4.36

;d'x a}+s
ljj/0f
tnj 932,171,707 862,159,942 819,923,667 763,185,956
eQf 814,172,935 732,146,781 709,871,645 637,491,920
pkbfg 112,498,663 90,469,920 102,325,374 81,562,411
;+ro sf]if 90,707,161 80,218,979 80,085,567 70,814,991
kf]zfs - - - -
tflnd tyf ljsf; vr{ 47,500,264 22,570,622 41,744,143 17,885,714
;+lrt ljbf 281,241,963 245,302,315 261,564,122 236,803,181
la/fdL labf vr{ 104,431,816 76,436,065 86,740,592 73,182,502
labf eQf 112,938,326 104,426,646 111,619,376 99,781,680

3/ labf vr{ 63,871,821 64,439,604 63,204,154 63,838,999
cf}ifwf]krf/ - - - -
jLdf 3,999,420 3,454,279 - -
sd{rf/L k|f]T;fxg - 52,380,000 - 52,380,000
gubdf /fkm;fkm x'g] z]o/df cfwfl/t vr{ - - - -
k]G;g vr{ - - - -
NFRS cGtu{t ljQLo vr{ 111,118,217 121,474,049 110,989,364 121,474,049
sd{rf/L ;DjlGwt cGo vr{x? 60,038,355 45,444,911 50,542,493 44,938,016
hDdf 2,453,448,687 2,255,621,800 2,177,046,374 2,026,536,237
sd{rf/L af]g; 526,937,846 549,919,064 512,128,802 512,809,753
s'n hDdf 2,980,386,533 2,805,540,864 2,689,175,176 2,539,345,989

cGo ;+rfng vr{ 4.37
;d'x a}+s
ljj/0f
;~rfnssf] ;]jf z'Ns 3,430,912 2,769,000 1,914,000 1,436,000
;~rfns ;DalGwt vr{ 8,551,742 2,292,436 8,081,473 1,849,881
n]vfk/LIf0f z'Ns 3,063,194 2,489,494 2,100,000 2,100,000
cGo n]vfk/LIf0f ;DjGwL vr{x? 3,363,078 1,818,474 83,631 903,330
Joj;flos / sfg'gL vr{ 8,260,958 3,404,397 8,061,858 3,271,597
sfof{no Joj:yfkg vr{ 872,403,029 787,446,430 812,417,759 713,132,054
;+rfng k§f vr{ 308,879,900 318,626,618 305,154,291 294,731,065
nufgL ;DklQsf] ;+rfng vr{ - - - -
;+:yfut ;fdflhs bfloTj vr{ 9,765,509 25,476,826 9,331,737 25,368,879

cgl/o; (Onerous) k§f Joj:yf - - - -
cGo 101,116,344 93,788,940 44,888,943 45,123,315
hDdf 1,318,834,666 1,238,112,615 1,192,033,693 1,087,916,122
$=#&=! sfof{no Joj:yfkg vr{

s= ljh'nL / kfgL 58,961,446 51,726,076 56,727,093 49,835,505
v= dd{t vr{
!= ejg 1,033,023 625,130 748,309 625,130
@= kl/jxg ;fwg 9,369,239 7,864,564 9,018,818 7,514,352
#= sDKo'6/ / P;f];]l/h 1,361,196 1,625,968 1,361,196 1,625,968
$= sfof{no pks/0f tyf kmlg{r/ 6,984,805 4,961,725 6,310,859 4,837,787
%= cGo 6,574,363 7,210,943 6,520,733 6,481,813
u= jLdf 48,349,317 40,993,426 47,873,504 40,676,863
3= x'nfs, b'/;+rf/, ofS; 57,900,092 61,070,711 55,017,433 57,392,041
ª= d;nGb tyf 5kfO{ 54,518,571 63,607,981 50,972,632 60,399,255
r= kqklqsf tyf k':ts 85,401 86,300 54,572 66,465
5= lj1fkg 68,853,946 60,141,700 67,532,386 59,483,883
h= rGbf 59,500 5,000 - -
em= ;'/Iff vr{ 127,941,689 115,140,431 127,240,100 114,496,379
`= lgIf]k ;'/If0f vr{ 67,909,206 49,368,355 67,909,206 49,368,355
6= e|d0f eQf / vr{ 65,031,294 34,639,678 37,204,832 17,383,985
7= dgf]/~hg vr{ - - - -
8= ;fwf/0f ;ef;DaGwL vr{ 2,616,411 2,509,936 2,110,233 2,101,394
9= cGo 294,853,527 285,868,506 275,815,854 240,842,880
!= Jofkfl/s k|aGwg 21,599,276 29,537,249 21,599,276 29,343,262
@= ;b:otf z'Ns 17,810,093 14,692,413 16,845,380 13,774,413
#= a}+s z'Ns tyf sld;g 268,585 448,517 260,340 438,480
$= s/ tyf b/x? 10,946,085 12,047,004 10,946,085 10,801,126
%= IS Audit-Compliance vr{ 20,468,742 13,847,519 20,468,742 13,847,519
^= z]o/ cef}lts/0f vr{ 8,377,558 14,048,460 - -
&= lgu/fgL vr{ 18,465,490 33,176,980 10,275,238 16,729,893
*= dh{/ vr{ - - - -
(= sfof{no vr{ 88,646,281 69,547,930 87,953,409 68,699,721
!)= O{Gwg vr{ 50,223,491 40,945,573 50,030,735 40,544,606
!!= aflx/L sd{rf/L vr{ 58,047,927 57,576,861 57,436,648 46,663,862
hDdf 872,403,029 787,446,430 812,417,759 713,132,054

x|f; s6\6L / kl/iff]wg 4.38
x|f; s6\6L eg]sf ;DklQsf] pkof]uL hLjgdf x|f; d"Nosf] Jojl:yt ljlgof]hg xf] eg] kl/iff]wg eg]sf cd"t{ ;DklQsf] pkof]uL hLjgdf x|f; d"Nosf] Jojl:yt ljlgof]hg xf] .
;d'x a}+s
ljj/0f
;DklQ tyf ;fdfu|Ldf x|f;s6\6L 299,817,353 251,693,514 262,531,821 237,988,132
nufgL ;DklQdf x|f;s6\6L - - - -
cd't{ ;DklQsf] kl/iff]wg 58,320,817 53,714,129 56,870,581 52,533,370
hDdf 358,138,170 305,407,643 319,402,402 290,521,503
u}/ ;+rfng cfDbfgL 4.39

;+rfngdf k|ToIf ;DaGw gx'g] sf/f]af/sf] cfDbfgL lgDg adf]lhd k|:t't ul/Psf] 5 .
;d'x a}+s
ljj/0f
ckn]vg ul/Psf] shf{sf] c;'nL 9,985,780 2,656,853 9,985,780 2,656,853
cGo cfDbfgL - - - -
hDdf 9,985,780 2,656,853 9,985,780 2,656,853
u}/ ;+rfng vr{ 4.40

;+rfngdf k|ToIf ;DaGw gx'g] sf/f]af/sf] vr{ lgDg adf]lhd k|:t't ul/Psf] 5 .
;d'x a}+s
ljj/0f
shf{ ckn]vg 76,148,097 46,755,749 76,148,097 46,755,749
l/8G8];L (Redundancy) Joj:yf - - - -
k"gM;+/rgf vr{ - - - -
cGo vr{ 462,701 195,927 - -
hDdf 76,610,798 46,951,676 76,148,097 46,755,749
cfos/ vr{ 4.41

a}+sn] cfos/ P]g, @)%* adf]lhd cfos/ u0fgf u/]sf] 5 .
;d'x a}+s
ljj/0f
rfn' s/ vr{ 1,471,330,376 1,535,394,400 1,434,847,884 1,435,199,261
o; jif{ 1,470,911,531 1,534,238,846 1,434,430,239 1,434,043,707
kl5Nnf] jif{x?sf] ;dfof]hg 418,845 1,155,554 417,645 1,155,554
:yug s/ vr{ (41,077,659) (106,845,899) (48,235,961) (111,005,657)
cNksflng leGgtfx?sf] z'?jft /
(41,077,659) (106,845,899) (48,235,961) (111,005,657)
l/e;{n
s/ b/df kl/jt{g - - - -
klxn] n]vf°g gul/Psf] s/ 3f6f - - - -
hDdf cfos/ vr{ 1,430,252,717 1,428,548,501 1,386,611,923 1,324,193,604
$=$!=! M s/ vr{ / n]vf°g gfkmfsf] ldnfg

;d'x a}+s
ljj/0f
s/ cl3sf] gfkmf 4,726,930,871 4,971,175,011 4,609,159,216 4,615,287,774
s/ #) k|ltzt b/ 1,422,732,544 1,491,442,504 1,382,747,765 1,384,586,332
hf]8\g] M s/sf] lglDt 36fpg gldNg] vr{x?sf] s/df
828,142,570 385,032,985 828,142,570 372,829,197
kg]{ c;/
36fpg] M 5'6 cfDbfgLdf s/sf] c;/ - -
hf]8\g]÷36fpg] McGo a:t'x?sf] s/df c;/ 820,622,398 447,926,988 824,278,412 433,221,925

36fpg] M s/sf] lglDt 36fpg gldNg] vr{÷cfDbfgLx?sf]
789,413,418 413,328,194 793,069,432 398,623,132
s/df kg]{ c;/
36fpg] M c=Nof= ul/Psf] gf]S;fgLdf s/sf] c;/ 31,208,980 34,598,793 31,208,980 34,598,793
hDdf cfo s/ vr{ 1,430,252,717 1,428,548,502 1,386,611,923 1,324,193,604
k|efjsf/L s/ b/ 30.26% 28.74% 30.08% 28.69%

PgPdla a}+s lnld6]8
n]vfkl/If0f gePsf] ljQLo glthf
cfly{sf jif{ @)&(÷*) -rf}yf]+ q}dfl;s_
?=xhf/df
ljQLo cj:yfsf] ljj/0f
;DklQx?
gub tyf gub ;dfg 23,958,280 12,787,637
g]kfn /fi6« a}+sdf /x]sf] df}Hbft 15,059,481 13,747,314
a}+s tyf ljQLo ;+:yfdf /x]sf] df}Hbft 755,846 3,782,289
Jo"TkGg -8]l/e]l6e_ ljQLo pks/0f 10,850,079 5,293,773
cGo Jofkfl/s ;DklQx? 24,750 -
a}+s tyf ljQLo ;+:yfx?nfO{ shf{ ;fk6L 7,116,529 5,920,095
u|fxsnfO{ shf{ tyf ;fk6L 189,323,077 174,948,356
lwtf]kqdf nufgL 32,363,064 31,724,847
rfn' s/ ;DklQ - 55,329
;lJ;8/L -;xfos_sDkgLdf nufgL 772,488 372,488
;DjGw sDkgLdf nufgL - -
nufgL ;DklQx? 700,348 295,162
;DklQ / pks/0f 1,750,173 1,764,130
VoftL tyf cd't{ ;DklQ 178,690 226,513
:yug s/ ;DklQ 448,920 338,965
cGo ;DklQ 4,864,386 3,893,713
hDdf ;DklQ 288,166,111 255,150,610
bfloTjx? 2,737,258 2,082,436
a}+s tyf ljQLo ;+:yfnfO{ ltg{ afFsL 3,285,987 8,996,367
g]kfn /fi6« a}+snfO{ ltg{ afFsL 11,060,345 5,351,098
8]l/e]l6e -Jo"TkGg_ ljQLo pks/0fx? 210,304,687 184,817,106
u|fxsaf6 lgIf]k bfloTj 14,814,903 12,997,400
;fk6L 33,111 -
rfn' s/ bfloTj - -
Joj:yf - -
:yug s/ bfloTj 5,403,801 5,907,387
cGo bfloTj 11,911,942 8,127,854
hf/L ul/Psf] C0fkq - -
;'/If0f g/flvPsf] ;xfos cfjlws bfloTj 259,552,034 228,279,648
s"n bfloTj
k"FhL 18,366,706 18,366,706
z]o/ k"FhL - -
z]o/ lk|ldod 1,501,890 1,550,781
;+lrt gfkmf 8,745,481 6,953,475
hu]8f 28,614,077 26,870,962
z]o/wgLx?nfO{ jfF8kmfF8 ug]{ s'n OlSj6L - -
u}/ lgolGqt :jfy{

:jfy (Non Controlling Interest)
hDdf k"FhL 28,614,077 26,870,962
hDdf bfloTj / k"FhL 288,166,111 255,150,610

gfkmf gf]S;fg ljj/0f cfiff9 d;fGt @)*) ;Dd cfiff9 d;fGt @)&( ;Dd
Aofh cfDbfgL 26,622,440 19,168,863
Aofh vr{ 18,280,000 12,781,323
v'b Aofh cfDbfgL 8,342,440 6,387,540
z'Ns tyf sldzg cfo 1,832,119 1,689,473
z'Ns tyf sldzg vr{ 284,654 216,241
v'b z'Ns / sldzg cfo 1,547,465 1,473,232
v'b Aofh, z'Ns / sldzg cfo 9,889,905 7,860,771
v'b Jofkf/ cfo 236,285 272,407
cGo ;+rfng cfDbfgL 204,147 406,767
hDdf ;+rfng cfo 10,330,337 8,539,945
shf{sf] Iflt k|ef/÷-ljkoo{ tyf cGo xfgL_ 1,166,143 (37,226)
v'b ;+rfng cfo 9,164,193 8,577,170
;+rfng vr{
sd{rf/L vr{ 2,719,048 2,539,346
cGo ;+rfng vr{ 1,181,584 1,087,916
x|f; s6\6L / kl/iff]wg 319,388 290,522
;+rfng gfkmf 4,944,173 4,659,387
u}/ ;+rfng cfDbfgL 9,986 2,657
u}/ ;+rfng vr{ 76,148 46,756
cfo s/ cl3sf] gfkmf 4,878,011 4,615,288
cfos/ vr{
rfn' s/ 1,512,702 1,435,199
:yug s/ vr{÷-cfDbfgL_ (45,190) (111,006)
o; cjlwsf] gfkmf 3,410,499 3,291,094
lj:t[t cfDbfgLsf] ljj/0f

o; cjlwsf] gfkmf 3,410,499 3,291,094
cGo lj:t[t cfDbfgL (151,120) 102,842
s'n lj:t[t cfDbfgL 3,259,379 3,393,936

gfkmf gf]S;fg ljj/0f adf]lhdsf] gfkmf÷-gf]S;fg_ 3,410,499 3,291,094
afF8kmfF8M
s= hu]8f sf]if (682,100) (668,964)
v= ;6xL 36a8 sf]if (14,768) (17,025)
u= k"FhL r'Qmf sf]if (352,381) (566,666)
3= ;+:yfut ;fdflhs bfloTj sf]if (24,773) (7,542)
ª= sd{rf/L tflnd sf]if (5,394) (20,286)
5= cGo 48,989 2,724
lgofds ;dfof]hg cl3sf] gfkmf÷gf]S;fg 2,380,073 2,013,334
lgofds ;dfof]hgM
s= Aofh jSof}tf ÷cl3Nnf] Aofh jSof}tf k|flKt 36÷-a9_ (509,464) (241,195)
v= C0f gf]S;fg Joj:yfdf 36÷-a9_ - -
u= nufgLdf 3f6fsf] nflu Joj:yfsf] 36÷-a9_ - -
3= u}/ j}+lsË ;DklQsf] Joj:yfsf] 36÷-a9_ (255,267) (124,248)
ª= :yug s/ ;DklQ 36÷-a9_ (109,956) (89,955)
r= VoftL 36÷-a9_ - -
5= df]ntf]n vl/bdf gfkmfsf] 36÷-a9_ - -
h= ljdfl° 3f6fsf] 36÷-a9_ (39,024) (30,839)
em= cGo - -
km]o/ Eofn' sf]ifsf] 36÷-a9_ -
cfiff9 d;fGt @)*) ljt/0f of]Uo gfkmf÷

1,466,362 1,527,096
gf]S;fg
ut jif{;Ddsf] ;+lrt gfkmf÷-3f6f_ 1,550,781 2,515,343
;dfof]hg÷k'gM3f]if0ff÷k'gMjuL{s/0f 179
jf]g; z]o/ lgisfzg (1,953,081)
gub nfef+z e'QmfgL (1,515,253) (538,757)
ljt/0f of]Uo gfkmf÷-gf]S;fg_ 1,501,890 1,550,781
ljt/0f of]Uo gfkmf÷-gf]S;fg_ k|lt ;]o/ 8.18 8.44

PgPdla a}+s lnld6]8
cf= j= @)&(÷*) sf] n]vfk/LIf0f ePsf] / n]vfk/LIf0f gePsf] ljQLo ljj/0fsf] t'ngf
?=xhf/df
ljQLo cj:yfsf] ljj/0f n]vfk/LIf0f n]vfk/LIf0f leGgtf
gul/Psf] ljQLo ul/Psf] ljQLo leGgtfsf sf/0fx?
;DklQx? ljj/0f ljj/0f /sd k|ltztdf
gub tyf gub ;dfg 23,958,280 23,958,280 (0) 0.00%
g]kfn /fi6« a}+s cg'bfg

gub tyf gub ;dfg 15,059,481 15,059,501 20 0.00%
;dfof]hg
a}+s tyf ljQLo ;+:yfdf /x]sf] df}Hbft 755,846 755,846 (0) 0.00%
Jo"TkGg -8]l/e]l6e_ ljQLo pks/0f 10,850,079 10,850,079 0 0.00%
cGo Jofkfl/s ;DklQx? 24,750 24,750 -
a}+s tyf ljQLo ;+:yfx?nfO{ shf{ ;fk6L 7,116,529 7,116,529 - 0.00%
shf{sf] Iflt k|ef/df kl/jt{g /
u|fxsnfO{ shf{ tyf ;fk6L 189,323,077 189,035,400 (287,677) -0.15%
d'NtjL Aofh k"gMjuL{s/0f
lwtf]kqdf nufgL 32,363,064 32,374,915 11,851 0.04% km]o/ Eofn" ;dfof]hg
rfn' s/ ;DklQ - 44,948 44,948
;lJ;8/L -;xfos_sDkgLdf nufgL 772,488 772,488 -
;Da4 sDkgLdf nufgL - - - -
nufgL ;DklQx? 700,348 697,708 (2,640) -0.38% u}/ a+}lsË ;DklQsf] ;dfof]hg
x|f; s6\6L / kl/zff]wg df
;DklQ / pks/0f 1,750,173 1,752,799 2,626 0.15%
kl/jt{g
VoftL tyf cd't{ ;DklQ 178,690 178,690 (0) 0.00% VoftL sf] n]vf°g
:yug s/ ;DklQ 448,920 448,411 (509) -0.11% s/df ePsf] kl/jt{gn] ubf{
cGo ;DklQ 4,864,386 4,706,797 (157,588) -3.24% k"gMjuL{s/0f
hDdf ;DklQ 288,166,111 287,777,141 (388,970) -0.13%
bfloTjx?
a}+s tyf ljQLo ;+:yfnfO{ ltg{ afFsL 2,737,258 2,737,258 0 0.00% k"gMjuL{s/0f
g]kfn /fi6« a}+snfO{ ltg{ afFsL 3,285,987 3,285,987 - 0.00%
Jo"TkGg ljQLo pks/0fx? 11,060,345 11,060,345 0 0.00%
u|fxsaf6 lgIf]k bfloTj 210,304,687 210,304,687 (0) 0.00% k"gMjuL{s/0f
;fk6L 14,814,903 14,814,903 0 0.00%
gfkmf / s/df ePsf]
rfn' s/ bfloTj 33,111 - (33,111) 0.00%
kl/jt{gn] ubf{
Joj:yf - - - 0.00%
:yug s/ bflot - - -
Aofh d'NtjL k"gMjuL{s/0fsf]
cGo bfloTj 5,403,801 5,227,597 (176,204) -3.26%
sf/0f
hf/L ul/Psf] C0f kq 11,911,942 11,911,942 - 0.00%
;'/If0f g/flvPsf] ;xfos cfjlws bfloTj - - -
s"n bfloTj 259,552,034 259,342,719 (209,314) -0.08%
k"FhL - -
z]o/ k"FhL 18,366,706 18,366,706 (0) 0.00%
z]o/ lk|ldod - - - 0.00%
;+lrt gfkmf 1,501,890 1,140,830 361,059 -24.04% v'b gfkmfdf ePsf] kl/jt{g
hu]8f 8,745,481 8,926,885 181,404 2.07% v'b gfkmfdf ePsf] kl/jt{g
z]o/wgLx?nfO{ jfF8kmfF8 ug]{ s'n OlSj6L 28,614,077 28,434,421 (179,656) -0.63%
u}/ lgolGqt :jfy{ (Non Controlling Interest) - - -
hDdf k"FhL 28,614,077 28,434,421 (179,656) -0.63%
hDdf bfloTj / k"FhL 288,166,111 287,777,141 (388,970) -0.13%

ljt/0f of]Uo gfkmf÷gf]S;fgsf] ljj/0f
@)&( >fj0f ! ut] b]lv @)*) cfiff9 #! ut];Ddsf]
-!& h'nfO{ @)@@ b]lv !^ h'nfO{ @)@# ;Dd_
-g]kfn /fi6« a}+ssf] lgb]{zg jdf]lhd_
n]vfk/LIf0f gul/ n]vfk/LIf0f leGgtf
gfkmf gf]S;fgsf] ljj/0f leGgtfsf sf/0fx?
Psf] ljQLo ljj/0f ul/Psf] ljQLo ljj/0f /sd k|ltztdf
Aofh cfDbfgL 26,622,440 26,622,460 20 0.0% g]=/f=a}+ af6 cg'bfg Aofh k|fKt
Aofh vr{ 18,280,000 18,280,000 0 0.0%
v'b Aofh cfDbfgL 8,342,440 8,342,460 20 0.0%
cGo ;+rfng cfDbfgLaf6
z'Ns tyf sldzg cfo 1,832,119 1,833,473 1,354 0.1%
k"gMjuL{s/0f
;DalGwt cfly{s jif{sf] ljljw vr{sf]
z'Ns tyf sldzg vr{ 284,654 286,611 1,957 0.7%
Joj:yfdf ePsf] kl/jt{g
v'b z'Ns / sldzg cfo 1,547,465 1,546,862 (603) 0.0%
v'b Aofh, z'Ns / sldzg cfo 9,889,905 9,889,321 (583) 0.0%
v'b Jofkf/ cfo 236,285 236,285 0 0.0%
cGo ;+rfng cfDbfgL 204,147 204,147 0 0.0%
hDdf ;+rfng cfo 10,330,337 10,329,753 (583) 0.0%
shf{sf] Iflt k|ef/÷-ljkoo{ tyf
1,166,143 1,453,821 287,677 24.7% yk Iflt k|ef/
cGo xfgL
v'b ;+rfng cfo 9,164,193 8,875,933 (288,260) -3.1%
;+rfng vr{
sd{rf/L vr{ 2,719,048 2,689,175 (29,872) -1.1% sd{rf/L af]g; kl/jt{g
vr{sf] Joj:yfdf ePsf]
cGo ;+rfng vr{ 1,181,584 1,192,034 10,450 0.9%
;dfof]hg
x|f; s6\6L / kl/iff]wg 319,388 319,402 14 0.0% x«f;sl§df ePsf] kl/jt{g
;+rfng gfkmf 4,944,173 4,675,322 (268,852) -5.4%
u}/ ;+rfng cfDbfgL 9,986 9,986 - 0.0%
u}/ ;+rfng vr{ 76,148 76,148 0 0.0%
cfo s/ cl3sf] gfkmf 4,878,011 4,609,159 (268,852) -5.5%
cfos/ vr{
rfn' s/ 1,512,702 1,434,848 (77,854) -5.1% gfkmf / s/df ePsf] kl/jt{gn]
:yug s/ vr{÷-cfDbfgL_ (45,190) (48,236) (3,046) 6.7% gfkmf / s/df ePsf] kl/jt{gn]
o; cjlwsf] gfkmf 3,410,499 3,222,547 (187,951) -5.5% dflysf sf/0fx?n] ubf{
cGo lj:t[t cfDbfgL (151,120) (142,824) 8,296 -5.5% ahf/ d"Nosf] ;dfof]hg
hDdf lj:t[t cfDbfgL 3,259,378 3,079,723 (179,656) -5.5%
afF8\g of]Uo gfkmf
ut jif{sf] ;+lrt gfkmf 35,528 35,528 - 0.0%
o; cjlwsf] gfkmf 3,410,499 3,222,547 (187,951) -5.5%
36a9 M g]=/f=a}= lgb]{lzsf adf]lhd
(1,944,137) (2,117,245) (173,108) -8.9% v'b gfkmfdf ePsf] kl/jt{gn]
lgofds ;dfof]hg
lgofds ;dfof]hg kl5sf] gfkmf 1,501,890 1,140,830 (361,059) -24.0%
cg'kftx? cfiff9 d;fGt @)*) cfiff9 d;fGt @)&(

hf]lvd efl/t ;DklQdf k"FhLsf]if 12.80% 13.59%
lgis[o shf{÷s'n shf{ -/fi6« a}+ssf] lgb]{lzsf cg';f/_ 2.72% 1.45%
s'n shf{ Joj:yf÷lgis[o shf{ -/fi6« a}+ssf] lgb]{lzsf cg';f/_ 109.11% 178.07%
k"FhLsf] nfut (Cost Of Funds) LCY 7.34% 6.43%
s'n shf{÷lgIf]k -c;f/ dlxgfsf] cf}ift_ 83.46% 87.75%
cfwf/ b/ 10.37% 9.38%
Aofh b/ cGt/ -/fi6« a}+ssf] lgb]{lzsf cg';f/_ 3.99% 4.05%
cGo hfgsf/L
O{lSj6Ldf k|ltkmn 12.29% 12.95%
;DklQdf k|ltkmn 1.26% 1.35%
d"No cfDbfgL cg'kft 12.17 14.57
k|lt z]o/ g]6jy{ -?_ 155.79 146.30
k|lt z]o/ ;DklQ -?_ 1,568.96 1,389.20
t/ntf cg'kft -?_ 29.85% 27.99%

k|d'v n]vf gLltx?

!= ;fdfGo hfgsf/L
!=!= PgPdla a}+s lnld6]8 -o; kl5 a}+s elgPsf]_
o; a}+s g]kfndf :yflkt l;ldt bfloTj ePsf] klAns lnld6]8 sDkgL xf] . o;sf] /lhi68{ sfof{no PgPdla ejg aa/dxn,
sf7df8f}+, g]kfndf /x]sf] 5 . o; a}+s g]kfn lwtf]kq ljlgdo ahf/ lnld6]8df ;"rLs[t /x]sf] 5 . o; a}+sn] g]kfn /fi6«
a}+saf6 a}lsË Joj;fo ug{ @)%# ;fndf æuÆ ju{sf] / @)^% ;fndf æsÆ ju{sf] Ohfht k|fKt u/L jfl0fHo a}+sn] ug]{ sfo{
tyf ;]jfx? g]kfnL ljQLo If]qdf k|bfg ub}{ cfO/x]sf] 5 .
!=@= ;xfos sDkgLx?
PgPdla Soflk6n ln= o; a}+ssf] zt\k|ltzt nufgL /x]sf] ;xfos sDkgL xf] . PgPdla Soflk6n lnld6]8 ;g\ @)!) sf]
;K]6D]a/ !& df sDkgL P]g, @)^# cGt{ut klAns lnld6]8 sDkgLsf] ?kdf btf{ ePsf] 5 . ;fy}, g]kfn lwtfk]q af]8{Aff6
lwtf]kq Joj;foL -dr]{G6 a}+s_ lgodfjnL, @)^$ cGtut{ dr]{G6 a}lsË sf/f]af/ ug{ Ohfht k|fKt 5 . PgPdla n3'ljQ ljQLo
;+:yf lnld6]8 g]kfn /fi6« a}+saf6 æ3Æ ju{sf] Ohfht k|fKt ljQLo ;+:yf xf] . ;f] ;+:yfdf o; a}+ssf] %!∞ nufgL /x]sf] 5 .
o;}u/L Pg=Pd=la= ;]So'l/l6h ln= o; a}+ssf] zt\k|ltzt nufgL /x]sf] ;xfos sDkgL xf] . Pg=Pd=la= ;]So'l/l6h ln= ;g\ @)@!
sf] h"g @! df sDkgL P]g, @)^# cGt{ut klAns lnld6]8 sDkgLsf] ?kdf btf{ /xL g]kfn lwtfk]q af]8{Aff6 lwtf]kq bnfn
Joj;foL -:6s a|f]s/_ sf] ¿kdf sf/f]af/ ug{ Ohfht k|fKt 5 . o; a}+s / ;xfos sDkgLx?sf] cfly{s jif{ Ps} /x]sf] 5 .
!=# ;d"x eGgfn] o; a}+s / o;sf ;xfos sDkgLx?nfO{ hgfpFb5 .
!=$ ljQLo ljj/0fsf] :jLs[lt
@)*) cfiff9 d;fGtsf] jf;nft / cf=j= @)&(÷)*) sf] gfkmf–gf]S;fg lx;fa tyf gub k|jfx ljj/0f nufotsf jflif{s ljQLo
ljj/0fx? -;xfos sDkgLx? PgPdla Soflk6n lnld6]8, PgPdla n3'ljQ ljQLo ;+:yf lnld6]8 / Pg=Pd=la= ;]So'l/l6h
ln= sf] PsLs[t ljQLo ljj/0fx? ;d]t_ ;~rfns ;ldltsf] a}7sn] kfl/t u/]sf]df ;fwf/0f ;ef ;dIf :jLs[ltsf nflu k]z
ul/Psf] 5 .
@= k|d'v n]vf gLltx?sf] ;f/f+z
ljQLo ljj/0fx? tof/ kfbf{ cfwf/ dflgPsf ;j{dfGo n]vf gLltx? tn pNn]v ul/Psf 5g\ . cGoyf n]lvPsf]df afx]s oL
gLltx?sf] kfngf lg/Gt/ ?kdf ul/Psf] 5 .
@=!= tof/Lsf] cfwf/
;+nUg ljQLo ljj/0fx? cGoyf pNn]v ePsf cj:yfx?df Affx]s g]kfn n]vfdfg af]8{åf/f hf/L ul/Psf n]vfgLltx? g]kfn
n]vfdfg dfgs tyf g]kfn ljQLo l/kf]{l6ª dfgssf ;fy}, a}+s tyf ljQLo ;+:yf ;DaGwL P]g, @)&# sf Joj:yfx?, sDkgL
P]g @)^#, g]kfn /fi6« a}+saf6 hf/L lgb]{zgx?sf clwgdf /lx, g]kfn lwtf]kq af]8{af6 hf/L lgb]{lzsf tyf ljlgodfjnL
adf]lhd hfgsf/L ug'{ kg]{ ljj/0fx? Kf|:t't ul/ tof/ kfl/Psf 5g\ . ljQLo ljj/0fx? k|f]befjL cfwf/df tof/ kfl/Psf
5g\ . gub k|jfx ljj/0f k|ToIf ljlwaf6 tof/ kfl/Psf] 5 . h; cGtu{t ;+~rfng d"gfkmfdf gubdf sf/f]af/ gx'g] k|s[ltsf
vr{x? h:t} x|f; s§L / gf]S;fgL Joj:yfx?nfO{ ;dfof]hg ul/Psf] 5 . gub k|jfx ljj/0fnfO{ ;+~rfng, nufgL / ljQLo
ultljlwx?df juL{s/0f ul/Psf] 5 .
;d"xn] g]kfn rf6{8 PsfpG6]6 ;+3af6 hf/L æsfe{ cfp6x¿Æ nfu' u/]sf] 5 . o;sf] lj:t[t ljj/0f cltl/Qm n]vf l6Kk0fLx?df
pNn]v ul/Psf] 5 . PsLs[t ljQLo ljj/0f tof/ kfbf{ Pg=Pkm=cf/=P;= !) sf] æPsLs[t ljQLo ljj/0fÆ adf]lhd a}+s / ;xfos
sDkgLx?sf] ;DklQ, bfloTj, OlSj6L, cfDbfgL / vr{nfO{;Fu} hf]l8Psf] 5 .
Pg=Pkm=cf/=P;= !)–sf] cg'R5]b * adf]lhd lgoGq0f :yflkt x'g] b]xfPsf lgDg cj:yfx? ljBdfg x'g' kb{5M
s_ nufgL ul/Psf] sDkgL dflysf] lgoGq0f .
v_ nufgL ul/Psf] sDkgLdf ;xefuLtfsf] cj:yfn] ubf{ ljljw k|ltkmn (Variable Return) k|fKt x'g] cj:yf .
u_ k|ltkmndf c;/ kfg{ ;Sg] u/L nufgL ul/Psf] sDkgLdfly bjfa /fVg ;Sg] x}l;ot .
Uf}x| lgoGq0f :jfYf{ eGgfn] To:tf] :jfldTjnfO{ hgfpFb5 h;n] z]o/ wf/sx?nfO{ sDkgLsf] lgoGq0f k|bfg ub}{g .

@=@ lg/Gt/tfsf] cfwf/ (Going Concern Basis)
a}+ssf] ;~rfns ;ldltn] Going Concern Basis sf] d"Nof°g u/]sf] 5 / eljiodf Joj;fo hf/L /fVg kof{Kt ;|f]t tyf ;fwgx?
/x]sf]df ;Gt'i6 5 . o; afx]s a}+ssf] Going Concern df pNn]vgLo z+sf k}bf x'g], clglZrttf k}bf x'g] s'/fsf] hfgsf/L
;~rfns ;ldltnfO{ 5}g . ;~rfns ;ldltdf a}+ssf] ;+rfng aGb ug]{ cyjf Liquidate ug]{ s'g} klg dg;fo /x]sf] 5}g .
t;y{ ljQLo ljj/0fx? “Going Concern" sf] cfwf/df tof/ kfl/Psf] 5 .
@=# ljQLo ljj/0fsf] pQ/bfloTj
g]kfn n]vfdfg ! æljQLo ljj/0fsf] k|:t'tLs/0fÆ sf] cg'R5]b ^ tyf sDkgL P]g @)^# sf] bkmf !)* -@_ cg';f/ a}+ssf] ljQLo
ljj/0f tof/ kfg]{ pQ/bfloTj ;~rfns ;ldltdf lglxt /x]sf] 5 . ;ldltn] pQm pQ/bfloTjnfO{ jflif{s k|ltj]bgdf pNn]v
u/] adf]lhd :jLsf/ ub{5 . ljQLo ljj/0fdf lgDg ljj/0fx? ;dfj]Zf ul/Psf 5g\ .
s_ PsLs[t ljQLo l:yltsf] ljj/0f
v_ PsLs[t lj:t[t cfo ljj/0f tyf PsLs[t cGo lj:t[t cfo ljj/0f
u_ PsLs[t gub k|jfxsf] ljj/0f
3_ PsLs[t OlSj6Lsf] kl/jt{g
ª_ k|d'v n]vfgLlt tyf l6Kk0fLx? h'g ljQLo ljj/0fsf k|of]ustf{x?nfO{ pNn]Vo dxTj /fVb5 .
@=$ ljQLo cjlw
a}+sn] g]kfnL kfqf] cg';f/sf] g]kfnL cfly{s jif{ dfGb5 . ;f]lx ldltsf] cª\u|]hL ?kfGt/0f tn b]vfO{Psf] 5 .
ljj/0f g]kfnL kfqf] cª\u|]hL kfqf]
t'ngfTds jf:fnft ldlt c;f/ #@ @)&( h'nfO{ !^ @)@@
t'ngfTds l/kf]l6{Ë cjwL >fj0f ! @)&* – c;f/ #@ @)&( h'nfO{ !^ @)@!–h'nfO{ !^ @)@@
o; jif{sf] jf:fnft ldlt c;f/ #! @)*) h'nfO{ !^ @)@#
o; jif{sf] l/kf]l6{Ë cjwL >fj0f ! @)&( – c;f/ #! @)*) h'nfO{ !& @)@@–h'nfO{ !^ @)@#
@=% ljb]zL ljlgdo sf/f]af/x?

ljb]zL d'b|fdf /x]sf] ;DklQ Pj+ bfloTjx?nfO{ jiff{Gtdf /x]sf] ljBdfg v/Lb tyf laqmL b/sf] dWob/n] g]kfnL ?k}ofFdf
?kfGt/0f ul/Psf] 5 . ljb]zL d'b|fsf] v/Lb b/ / laqmL b/sf] leGgtfaf6 k|fKt cfo b}lgs ?kdf u0fgf u/L ljb]zL d'b|fsf]
k'gMd"Nof°gaf6 x'g] gfkmf gf]S;fgnfO{ lj:t[t cfo ljj/0fsf] cg';"rL $=#$ cGtu{t æ;6xL 36a9 cfDbfgL÷-gf]S;fgL_Æ zLif{sdf
b]vfO{Psf] 5 . o:tf] k'gMd"Nof°gaf6 ePsf] gfkmfsf] @%∞ /sd g]kfn /fi6« a}+ssf] lgb]{zfg';f/ gfkmf÷gf]S;fg afF8kmfF8 lx;fadf
;6xL 36a9 sf]ifdf ljlgof]lht ul/Psf] 5 . ljleGg ljb]zL ljlgdosf] v/Lb tyf laqmLaf6 ePsf] cfDbfgLnfO{ b}lgs ?kdf
u0fgf u/L ;6xL 36a9 cfDbfgL cGtu{t v/Lb laqmLaf6 x'g] gfkmfdf cg';"rL $=## df b]vfO{Psf] 5 .
@=^ sfof{Tds / k|:t'tLs/0f d'b|f (Functional & Presentation Currency)
PsLs[t ljQLo ljj/0fx?df :fd"x ;+:yfx?sf] sfof{Tds d'b|f Gf]kfnL ?k}+ofdf k|:t't ul/Psf] 5 . pQm ljj/0fx? Gf]kfn /fi6«
a}+såf/f tf]lsPsf] 9f+rfdf tof/ ul/Psf] 5 / ljQLo l:yltdf ;DklQ / bfloTjnfO{ t/ntfsf] qmddf k|:t't ul/Psf] 5 . lj:t[t
cfo ljj/0fdf cfDbfgL / vr{nfO{ ltgsf k|s[ltsf cfwf/df juL{s/0f ul/Psf] 5 . c+sx?nfO{ lgs6td ?k}+ofdf kl/0ft u/L
b]vfO{Psf] 5 . o;n] ubf{ x/]s c°x?sf] of]u k|:t't ul/Psf] of]ukmn;Fu cnu x'g ;Sb5 . o; afx]s ;a} k|ltztx?nfO{
Rounding off u/L k|:t't ul/Psf] 5 .
@=& dxTjk"0f{ n]vf°g d"Nof°g / cg'dfg

g]kfn ljQLo l/kf]{l6ª dfgs -Pg=Pkm=cf/=P;_ adf]lhd ljQLo ljj/0f tof/ ubf{ a}+s Joj:yfkgnfO{ lglZrt lg0f{o, cg'dfg
/ wf/0ffx? agfpg cfjZos 5 . o;n] a}+ssf] d"gfkmf, ljQLo l:yltsf] ljj/0f / jflif{s k|ltj]bgdf k|:t't ul/Psf cGo
hfgsf/Lx?nfO{ ;d]t c;/ ug{ ;Sb5 . oL cg'dfgx? pknAw hfgsf/L / a}+s Joj:yfkgsf] :jljj]sdf cfwfl/t x'G5g\ .

jf:tljs kl/0ffdx? d"Nof°g u/] eGbf km/s kg{ ;Sb5g\ / slxn]sfxL+ o:tf leGgtfx? dxTjk"0f{ klg x'g ;Sb5g\ . a}+sn]
;DklQ tyf bfloTjsf] km]o/ Eofn' cg'dfg ug{ ljleGg d"Nof°g df]8]n / k|ljlwx? k|of]u ub{5 . oL cg'dfgx?;Fu ;DalGwt
dxTjk"0f{ ahf/ clglZrttfx? x'G5g\ / oL cg'dfgx? TfYof°df cToflws lge{/ x'G5g\, -h:t} Aofh / d'b|f b/sf] l:ylt /
cGo sf/sx?_ . oL cg'dfgx?;Fu ;DalGwt clglZrttfx? d"Vot ljQLo l:yltsf] ljj/0fdf k|s6 x'G5g\ . a}+sn] km]o/ Eofn'
cg'dfg ug{ rflxg] ljleGg df]8]n / ahf/ TfYof° qmlds ?kdf cem} kl/:s[t ub}{ n}hfg] 5 . wf/0ff / k2ltx?df kl/dfh{gsf]
kl/0ffd :j?k kl/jt{g x'g] cg'dfgx? Tof] cjlwdf k|ltlalDat x'G5 h'g cjlwdf ;f] sf] c;/ klxnf nfu" ul/G5 . C0f /
bfjLx?sf] xfgL k/LIf0f ubf{ klg ljleGg cg'dfg / d"Nof°gx? ul/Psf x'G5g\ .
@=* Nf]vf gLltdf kl/jt{g
Pg=Pkm=cf/=P; cg'kfng ug{sf] nflu cfjZostf cg';f/ a}+sn] Nf]vfgLlt kl/jt{g ub{5 . n]vfgLltx?df kl/jt{gsf] k|efj
Transaction ldltdf gfkmf gf]S;fg jf cGo sf]ifdf lbO{Psf] 5 .
@=( pNn]vgLotf / ;dli6s/0f (Materiality and Aggregation)
Gf]kfn n]vfdfg – )! æljQLo ljj/0fsf] k|:t'tLs/0fÆ adf]lhd x/]s ;dfg k|sf/sf pNn]vgLo j:t'x? (Material Item) nfO{
cnUu} ju{df k|:t't ul/Psf] 5 . Material -dxTjk"0f{_ ePsf] v08df ljleGg k|s[ltsf j:t'x?nfO{ klg cnu k|:t't ul/Psf]
5 . g]kfn n]vfdfgn] :jLs[tL glbPsf] v08df cfDbfgL / vr{nfO{ gfkmf gf]S;fg ljj/0fdf Ps cfk;df ckm;]6 ul/b}+g .
sfg'gL clwsf/ /x]sf] / p2]Zog]} v'b /sd hgfpg] 5 eg] dfq ljQLo ;DklQ / bfloTj Ps cfk;df ckm;]6 ul/G5 / v'b
/sd hgfO{G5 .
@=!) ljQLo pks/0f
IFRS 9 ljQLo pks/0fx¿ ASB åf/f h'nfO{ 2014 df hf/L ul/Psf] lyof] / cGt/{fli6«o ¿kdf 1 hgj/L 2018 kl5 ;'?
x'g] ljQLo l/kf]6{x¿sf] nflu k|efjsf/L eO;s]sf] 5 . NFRS 9 h'g IFRS 9 ;Fu ldNbf] h'Nbf] 5 cf=j= @)&*÷&( b]lv nfu"
eO;s]sf] 5 . a}+sn] shf{k|ef/ u0fgf / klxrfgsf] nflu 2079/04/02 df ICAN åf/f hf/L ul/Psf] Carve Out nfu" u/]sf] 5 .
cg'dflgt shf{ gf]S;fg df]8n (ECL) – gf]S;fgL
cg'dflgt shf{ gf]S;fg df]8n (ECL) k|ultlzn b[li6sf]0fdf (forward-looking model) cfwfl/t 5 . cg'dflgt shf{ gf]S;fg
df]8nsf cg'dfgx? lgikIf, ef/Lt ;Defjgf, ljutsf 36gfx?, jt{dfg cj:yf / eljiosf] cfly{s cj:yfsf] k|If]k0f;Fu
;DalGwt hfgsf/Lx? ;d]t ;dfj]z ub{5 . ;fdfGo b[li6sf]0fdf, NFRS 9 n] cg'dflgt shf{ gf]S;fgL dfkg / Aofh cfDbfgL
n]vf°gsf] nflu tLg r/0fsf] b[li6sf]0f cjnDjg u/]sf] 5 .
r/0f ! M æ!@ dlxg] cg'dflgt shf{ gf]S;fgÆ – o; r/0fdf s'g} vf; shf{ hf]lvd a9]sf] x+'b}g . ljQLo pks/0fx¿sf] shf{
hf]lvddf pNn]vgLo j[l4 ePsf] x+'b}g lsgeg] k|f/lDes klxrfg / n]vf°gsf] ;dodf csf]{ !@ dlxgf leqdf x'g] ;Defljt
hf]lvd (Probability of Default) 36gfx¿;+u ;DalGwt cg'dflgt shf{ gf]S;fgsf] Joj:yf ug'{kg{] x'G5 . !@ dlxgfeGbf sdsf]
kl/kSjtfsf] cjlw ePsf] ljQLo ;DklQx¿sf] nflu Probability of default sf] k|of]u ul/G5 h'g af+sL kl/kSjtfsf] cjlw;+u
d]n vfG5 . Aofhsf] u0fgf cg'dflgt shf{ gf]S;fgsf] nflu ;dfof]hg ug{' cl3 ljQLo ;DkQLsf] s'n lstfaL d"Nodf ul/G5 .
r/0f @ M æcfhLjg cg'dflgt shf{ gf]S;fgÆ – ljQLo pks/0fx?sf] k|f/lDes klxrfg kZrft shf{ hf]lvddf pNn]vgLo j[l4
ePdf cfhLjg cg'dflgt shf{ gf]S;fg Joj:yf ul/G5 . cfhLjg cg'dflgt shf{ gf]S;fgLsf nflu cfly{s pks/0fsf] cjlwdf
x'g] gf]S;fgLnfO{ k|ltlglwTj ug]{ u/L gf]S;fgLsf] k|fjwfg ug{ cfjZos x'G5 . Aofh cfDbfgLnfO{ s'n /sd (Gross Amount)
df n]vf°g ul/G5 .
r/0f # M æcfhLjg cg'dflgt shf{ gf]S;fgÆ – r/0f # df ha shf{ Iflt x'G5 / Ifltu|:t shf{ ;DklQ vl/bnfO{ cfhLjg
gf]S;fgL Joj:yfsf] cfjZostf kb{5 . Aofh cfDbfgLnfO{ s'n ljQLo ;DklQaf6 cg'dflgt shf{ gf]S;fgLnfO{ x6fP/ u0fgf
ul/G5 . Joj:yfkgn] cg'dflgt shf{ gf]S;fg (ECL) df]8n nfu" ubf{ ljQLo ljj/0fdf x'g] ;Defljt k|efjsf] d"Nof+sg
ul//x]sf] x'G5 .

ljj/0f r/0f ! r/0f @ r/0f #
k|s[lt !@ dlxg] cg'dflgt shf{ gf]S;fg cfhLjg cg'dflgt shf{ gf]S;fg cfhLjg cg'dflgt shf{ gf]S;fg
hf]lvd k|f/lDes klxrfg b]vL s'g} vf; shf{ k|f/lDes klxrfg b]vL s'g} vf; shf{ shf{ gf]S;fgL -gf]S;fgLsf] lgwf{/Lt k|df0f
hf]lvd a9]sf] 5}g . hf]lvd a9]sf] 5 . ;lxt_
k|s[lt c;n v/fa lgis[o
Aofh cfDbfgL s'n lstfaL d"Nodf k|efjsf/L Aofh b/ s'n lstfaL d"Nodf k|efjsf/L Aofh b/ lstfaL d"Nodf cg'dflgt shf{ gf]S;fgL
36fO{ k|efjsf/L Aofh b/ nfu'
ldlt @)&(÷)$÷)@ df ICAN af6 hf/L sfe{ cfp6 / g]kfn /fi6« a}+ssf] lgb]{zg adf]lhdsf] k|ef/ / qm=d ;+Vof @=!* df
pNn]v ul/P adf]lhdsf] k|ef/ h'g al9 x'G5 ;f]lx k|ef/nfO{ gfkmf÷gf]S;fg lx;fadf u0fgf ul/Psf] 5 .
@=!! g]kfn ljQLo k|ltj]bg dfg !% (NFRS 15): u|fxs;Fusf] s/f/af6 cfDbfgL
g]kfn ljQLo k|ltj]bg dfg !%M æu|fxs;Fusf] s/f/af6 cfDbfGfLÆ, cfDbfGfL klxrfg / n]vf°gsf nflu gof+ dfgs xf] h;n]
ljBdfg cfDbfGfL klxrfg / n]vf°g dfgsx¿nfO{ k|lt:yfkg u/]sf] 5 . o; dfgs cg';f/ cfDbfGfL klxrfg / n]vf+sgsf
nflu lgDg kfFr r/0f k|f?kx? cg';/0f ug{ cfjZos 5 M
l u|fxs;Fu cg'aGwgsf] klxrfg .
l cg'aGwgdf ePsf] bfloTj kfngfsf] klxrfg .
l sf/f]af/ d"Nosf] lgwf{/0f .
l s/f/df ePsf] bfloTj kfngfsf] nflu sf/f]af/ d"Nosf ljlgof]hg -r/0f @ df elgP h:tf]_ .
l bfloTjsf] kfngfkl5 cfDbfGfL] n]vf°g .
Joj:yfkgn] NFRS !% af6 ljQLo ljj/0fdf x'g] ;Defljt k|efjsf] d"Nof+sg ul//x]sf] x'G5 .
NFRS !%M æu|fxs;Fusf] s/f/af6 cfDbfGfLn]Æ g]kfn ljQLo k|ltj]bg dfg !*M æcfDbfGfL (Revenue)Æ / g]kfn ljQLo k|ltj]bg
dfg !!M ælgdf{0f cg'aGwg (Construction Contracts)Æ nfO{ k|lt:yfkg ul/;s]sf] 5 .
@=!@ juL{s/0f / dfkgsf] cfwf/
tn pNn]lvt ljifox? Affx]s ljQLo ljj/0f P]ltxfl;s nfutsf] cfwf/df tof/ ul/Psf] 5M
l g]kfn ljQLo l/kf]{l6ª dfgs -Pg=Pkm=cf/=P;_ ( æljQLo pks/0fÆ adf]lhd nufgL l;Sof]l/6Lh -OlSj6L z]o/ / Do"r'cn
km08 nufgL_ nfO{ km]o/ Eofn' dfkg ul/Psf] 5 .
l g]kfn n]vfdfg dfgs -PgPP;_–$) ænufgL ;DklQÆ – u}/ a}+lsª ;DklQsf] ?kdf k|fKt ePsf] hUuf / ejg km]o/ Eofn'df
dfkg ul/Psf] 5 . g]kfn n]vfdfg dfgs -PgPP;_–!( æsd{rf/L nfeÆ adf]lhd sd{rf/Lsf] nflu kl/eflift nfe bfloTj
/ nfdf]÷bL3{ ;]jf cjlw ljbf bfloTjnfO{ km]o/ Eofn'df dfkg ul/Psf] 5 . a}+sn] ljQLo ;DklQnfO{ lgDg >]0fLdf juL{s/0f
u/]sf] 5 .
s_ kl/Zff]lwt nfutdf dfkg
v_ km]o/ dfgdf dfkg
of] juL{s/0f ;DklQsf] cg'aGwLt ljz]iftfx? / ;f]sf] Joj:yfkgsf] nflu ckgfO{Psf] Joj;foLs df]8]ndf lge{/ ub{5 .
l kl/zf]lwt nfutdf ljQLo ;DklQ (Financial Assets at Amortized Cost) s'g} nufgLnfO{ kl/zf]lwt nfutdf juL{s/0f ug{
;f] FVTPL df gfldt gePsf] x'g' kg]{ / lgDg b'a} dfkb08 k'/f ePsf] x'g' kb{5 .
s_ a}+ssf] Joj;foLs df]8]n ;DklQnfO{ xf]N8 ug]{ / cg'aGwLt gub k|jfx ;+sng ug]{ .
Vf_ ljQLo ;DklQsf] ;Demf}tfsf zt{x? adf]lhd lglb{i6 ldltx?df gub k|jfx x'g] h;df d"n /sd (principal amount) /
afFsL d"n /sdsf] Aofh dfq ;dfj]z x'g] . km]o/ Eofn'df ljQLo ;DklQ (Financial Assets at Fair value) t;y{ pk/f]Qm
dfkb08 dWo] b'j} k'/f gug]{ pQm ;DklQnfO{ kl/zf]lwt nfutdf juL{s/0f ug{ gldNg] ePsfn] km]o/ Eofn'df juL{s/0f
ug'{kb{5 .
l km]o/ Eofn' lgwf{/0f t/n ahf/df sf/f]af/ x'g] ljQLo pks/0f -8]l/e]l6e pks/0f ;lxt_sf] km]o/ Eofn' jf;fnftsf]
ldltsf] la8 (bid) cyjf k|:tfljt clGtd d"No (Closing Price) xf] . ;lqmo ahf/ gx'g] ljQLo pks/0fx?sf] km]o/ Eofn'
ljleGg d"No lgwf{/0f ljlwx? -ul0flto ljlw_ k|of]u ul/ lgwf{/0f ul/G5 . of] ljlwx?nfO{ rflxg] lgj]zx? (inputs) ;Dej
eP;Dd cjnf]sg ug{ ;lsg] ahf/ TfYof°af6 lnOG5 . km]o/ Eofn' ljleGg d"No lgwf{/0f ljlwx?sf] k|of]u ul/ dfkg
ul/G5 . o; k|s[of cGtu{t eljiodf ck]lIft gub k|jfx lgwf{/0f ug]{ / jf;fnft ldlt:fDd æl8:sfpG6Æ÷5'6 ug]{ kb{5 .
oL pks/0fsfx?sf] nflu cg'dfg ul/Psf] eljiodf ck]lIft gub k|jfx dfs]{6÷ahf/ TfYof°sf] wf/0ff (assumption) df
e/ kb{5 . To;}n] km]o/ Eofn'sf] cg'dfg km/s kg]{ x'g;S5 / ahf/af6 cg'e"t (realizable) gx'g ;S5 . ljleGg ahf/
wf/0ffx? (assumptions) cGtu{t dfgx? klg dxTjk"0f{ ?kn] (significantly) km/s kg{ ;Sb5 . a}+sn] lgDg km]o/ Eofn'
kbfg'qmd cg';f/ km]o/ Eofn' dfkg u/]sf] 5 . o;n] dfkg ug{ k|of]u x'g] lgj]z (inputs) sf] dxTjnfO{ emNsfpFb5 .

:t/ !!M ;dfg pks/0fsf nflu ;lqmo ahf/df pb\w[t ahf/ d"Nox? (unadjusted)
:t/ @M
@ cjnf]sg of]Uo lgj]zx? (observable inputs) sf] cfwf/df of t l;w} -d"Nosf] ?kdf_ jf ck|ToIf ?kdf -d"Noaf6
k|fKt_ d"No lgwf{/0f ljlw . o; ju{ cGtu{t pks/0fx?sf] d"No lgDg tl/sfx? k|of]u u/L lgwf{/0f ul/G5 .
s_ ;dfg pks/0fsf nflu ;lqmo ahf/df pb\w[t ahf/ d"No jf
v_ ;lqmo ahf/ eGbf sd dflgg] ahf/x?df ;dfg pks/0fsf nflu pb\w[t d"No jf
u_ cGo d"No lgwf{/0f ljlwx? hxfF ;a} dxTk"0f{ lgj]zx? -inputs_ k|ToIf jf ck|ToIf ?kdf ahf/ TfYof°af6
lg/LIf0f ug{ ;lsG5 .
:t/ #M
# lg/LIf0f ug{ g;lsg] dxTk"0f{ lgj]zx? (Signficant unobservable inputs) k|of]u ul/g] d"No lgwf{/0f ljlwM o; ju{
cGtu{t ;dfg pks/0fx?sf] pb\w[t d"NonfO{ cfwf/ lnP/ d"No lgwf{/0f ul/g] pks/0fx? kb{5g . o;/L d"Nof°g
ubf{ dxTjk"0f{ lg/LIf0f ug{ g;lsg] ;dfof]hg (Significant unobservable adjustments) jf wf/0ffx? (assumptions) to
ug{ cfjZos kb{5 .
@=!# ljQLo ;DklQ / ljQLo bfloTj
s/f/ ;Demf}tf cg';f/ eljiodf x'g] gub k|jfx jf csf]{ OsfO{sf] OlSj6L pks/0fsf] :jfldTjaf6 ;[lht ;DklQ ljQLo ;DklQ
cGtu{t kb{5g\ . ljQLo ;DklQsf] dfg ;Demf}tf bfjLaf6 dfkg x'g] x'Fbf oL u}x| ef}lts ?kdf x'G5g\ / cGo d"t{ ;DklQ eGbf
a9L t/n dflgG5g\ . cg'aGwLt ;Demf}tf cg'?k ;[hgf x'g] bfloTjnfO{ ljQLo bfloTj elgG5 / o:tf] bfloTj lgk6f/f gub
jf cGo ljQLo ;DklQsf] 8]lne/Laf6 x'G5 . k|lts"n kl/l:yltsf sf/0fn] slxn]sfxL+ o;sf] lgk6f/f ;DklQ jf bfloTjsf]
cbnfabnLaf6 klg x'g;S5 . o:tf] bfloTjsf] lgk6f/f OSo"6L OSo"kd]G6 hf/L u/]/ klg x'g;S5 .
@=!$ ljQLo pks/0fx?sf] Recognition and de-recognition
ljQLo pks/0fx?nfO{ ljQLo cj:yfsf] ljj/0fdf lgk6f/fsf] ldltsf] cfwf/df hgfO{G5 t/ Jo"TkGg pks/0f eg] Jofkfl/s ldlt
(Trade Date) sf]
cfwf/df hgfO{G5 . ljQLo ;DklQ derecognition ljQLo ;DklQaf6 ;Demf}tf adf]lhd gub k|jfxsf] clwsf/
;dflKt kl5 ul/G5 . ;Demf}tf adf]lhd ljQLo bfloTj ;Demf}tf ;dflKt jf /4 jf bfloTjaf6 5'6sf/f kl5 de-recognize
ul/G5 .
@=!% Jofkf/ ;+of]hg
Pg=Pkm=cf/=P;–# adf]lhd lgoGq0f x:tfGt/0f eP kZrft\ clwu|x0f ljlw k|of]u u/]/ Jofkf/ :f+of]hg ul/G5 . klxrfg of]Uo
v'b ;DklQ (Identifiable Net Assets) / Consideration Transferred nfO{ km]o/ d"Nodf dfkg ul/G5 . Voflt cfPsf] v08df jflif{s
?kdf xfgL gf]S;fgL k/LIf0f ul/G5 eg] df]ntf]naf6 vl/bdf ePsf] nfenfO{ -C0fkq cyjf OlSj6L hf/L ubf{sf] sf/f]af/ vr{
afx]snfO{_ gfkmf gf]S;fg lx;fadf vr{ hgfOG5 .
g]kfn /fi6« a}+ssf] dh{/ tyf PlSjhL;g ;DaGwL ljlgodjfnL @)&# adf]lhd kl5Nnf] jif{x?df Jofkf/ ;+of]hg ul/Psf]df
ut cf=j df VoftLnfO{ ldlt @)&(÷)$÷!% df ICAN af6 hf/L Explanatory Note Accounting for Business Combination adf]lhd
n]vf°g ul/Psf] 5 . ;f] gf]6 hf/L eP kl5 ldlt @)&&÷)&÷@% df ICAN af6 hf/L ePsf] sfe{ cfp6 g+ # / $ :jtM
vf/]h ePsf] 5 . o;y{ ;fljssf] s~rg 8]enKd]G6 a}+ssf] k|fKtLaf6 ;[hLt ¿=& s/f]8 @* nfvsf] VoftL ut cf=j af6 c=Nof=
u/L schedule 4.14 df k|s6g ul/Psf] 5 .
VoftLnfO kl/zf]wg ul/Psf] 5}g, t/ k|To]s l/kf]l6{ª cjlwdf jf xflgsf] ;°]t x'Fbf k|ef/sf] j:t'ut d"Nof°g ul/G5 . VoftLsf]
cgGt hLjgsf] (infinite life) d"Nof°g k|To]s l/kf]l6{ª cjlwsf] cGTodf cgGt hLjg (infinite life) ;dy{gof]Uo 5 ls 5}g eg]/
lgwf{/0f ug{ ;dLIff ul/G5 . ;fljssf] s~rg 8]enKd]G6 a}+ssf] k|fKtLaf6 ;[hLt VoftLsf] k|ef/sf]] d"Nof°g ul/Psf] 5 /
k|ltj]bg cjlwsf] cGTodf To:tf] k|ef/sf]] ;+s]t b]lvPsf] 5}g .
@=!^ ckm;]6
sfg'gL clwsf/ /x]sf] / p2]Zo g]} v'b /sd hgfpg] 5 eg] dfq ljQLo ;DklQ / bfloTj Ps cfk;df ckm;]6 ul/G5 / v'b
/sd hgfO{5 .
@=!& gub / gub ;dt'No
gub / gub ;dt'No eGgfn] vl/b u/]sf] cyjf Kn];d]G6 ul/Psf] ;do kZrft tLg dlxgf jf ;f] eGbf sd cjwLdf
kl/kSj x'g] df}lb|s ;DklQ cyjf Kn];d]G6nfO{ hgfpFb5 . k|ltalGwt df}HbftnfO{ gub / gub ;dfg ;dfa]Zf ul/Psf] 5}g /
kl/zf]lwt nfutdf hgfO{g'sf ;fy} ljQLo l:yltsf] ljj/0fdf leGg} :yfgdf (Line Item) k|:t't ul/Psf] 5 .

@=!* xfgL (Impairment)
ljQLo ;DklQdf xfgL a}+sn] k|To]s l/kf]l6{ª ldltdf s'g} Ps ljQLo ;DklQ jf ljQLo ;DklQx?sf] k|ef/sf] j:t'ut k|df0fsf]
cfFsngaf6 ub{5 . s'g} ljQLo ;DklQ jf ;d"xut ljQLo ;DklQ IfL0f eO{ xfgL gf]S;fgL pTkGg ePsf] dflgG5 . olb To:tf]
;DklQnfO{ ;'?df hgfO{P kZrft To:tf 36gf jf kl/36gfx? 36\5g\ h;n] To:tf] xfgLsf] j:t'ut k|df0f lbG5 / h;n] ubf{
eljiodf x'g] ;Defljt gub k|jfxsf] c;/nfO{ plrt ?kn] cg'dfg ug{ ;lsG5 . a}+sn] lgDg sf/sx?nfO{ j:t'ut k|df0f
cfFsng ug{ k|of]u ub{5 .
l C0fL÷bfloTjstf{sf] pNn]vgLo ljQLo sl7gfO{ .
l ;Demf}tfsf] pNnª\3g h:t} Aofh jf ;fjfF /sdsf] e'QmfgLdf l9nfO{ .
l C0fLsf] 6f6 klN6g] :fDefjgf ePsf] cyjf ljQLo k"g{u7g x'g] :fDefjgf ePsf] .
l lg/LIf0f of]Uo TfYof°n] ;ª\s]t u/] cg';f/ ;d"xut ljQLo ;DklQnfO{ ;'?df hgfP kZrft dfkg ug{ ;lsg] u/L eljiodf
x'g] ;Defljt gub k|jfxdf x|f; cfPdf . oBlk o:tf] x|f; ;d"xut ljQLo ;DklQdf Ps ljQLo ;DklQsf] elg klxrfg
ug{ sl7gfO{ x'g ;Sb5 .
l r'Qmf ug]{ 9fFrf cyjf cfly{s cj:yfdf k|lts"n kl/jt{g h'g l8kmN6;Fu ;DalGwt 5 . kl/zf]lwt nfutdf /flvPsf]
:fDklQ ljQLo ;DklQ ;'?df hgfOP kZrft ePsf 36gf jf kl/36gfx?n] xfgLsf] j:t'ut k|df0f lbPkl5 kl/zf]lwt
nfutdf /flvPsf] To:tf] ljQLo ;DklQsf] Iflt gf]S;fgLnfO{ hgfO{G5 . o:tf] gf]S;fgL Joj:yfsf] /sd, ;DklQsf] nufgL
/sd / C0fsf] cg'dflgt k|flKt d"No aLrsf] km/s xf] . lwtf]af6 k|fKt x'g] cg'dflgt /sd / C0fLsf] klxnfsf] cfr/0fsf]
a}+ssf] ljutsf] cg'ejsf] cfwf/df C0faf6 k|fKt x'g] /sdsf] cg'dfg ul/G5 . Psn ?kdf :fDklQsf] d"Nof°\g ul/G5
(Individually assessed) / s'g} xfgL gePsf] cj:yfdf p:t} k|sf/sf] qm]l86 hf]lvd ePsf] ljQLo ;DklQ ;d"xa4 u/L
;fd"lxs ?kdf xfgLsf] d"Nof°g ul/G5 . x/]s C0f ;d"xsf] qm]l86 hf]lvd tYofª\s Joj:yfkgåf/f :jljj]sn] ljutsf]
cg'ejsf] cfwf/df lgwf{/0f ul/G5 . C0fLsf] ljleGg sf/s h:t} qm]l86 d"Nofª\sg ;'lw|Psf] cj:yfdf klxnf sfod
ul/Psf] xfgL gf]S;fgL Joj:yf pN6fO{G5 / gfkmf÷gf]S;fg lx;fadf cfDbfgL hgfOG5 . xfgL gf]S;fgL Joj:yf pN6fO{Psf]
ldltdf To:tf] ljQLo ;DklQsf] xfnsf] kl/zflwt nfut To:tf] xfgL gf]S;fgL Joj:yf gu/]sf] eP x'g] kl/zf]lwt nfut
eGbf w]/} x'Fb}g . c;'nLsf] ;Defjgf g/x]df ljQLo ;DklQ -:fDalGwt xfgL gf]S;fgL Joj:yf vftf_nfO{ cf+lzs ?kdf
jf k"0f{ ?kdf ckn]vg ul/G5 . lwtf]sf] laqmLaf6 k|fKt x'g] s'g}klg /sdnfO{ kl5 cfDbfgL hgfOG5 . x/]s jf;fnft
ldltdf ;DklQdf xfgL eP÷gePsf] ;+s]tnfO{ d"Nof°g ul/G5 / To:tf] ;+s]t /x]5 eg] c;'nL /sdsf] cf+sng ul/G5 .
@=!( Jo"TkGg ;DklQ / Jo"TkGg bfloTj

Jo"TkGg ;DklQ / bfloTjn] -8]l/e]l6e_ k|fylds ljQLo ;fwgdf cGt/lglxt Ps jf clws ljQLo hf]lvdsf] pks/0f kf6L{x?sf]
aLr x:tfGt/0f ug]{ clwsf/ / bfloTj ;[hgf ub{5 . Jo"TkGg ljQLo ;fwgx?n] ljQLo ;fwgsf] kl/efiff k"/f ub{5g\ / Jo"TkGg
;DklQ / bfloTjnfO{ FVTPL df dfkg ul/G5 / ;Da4 km]o/ Eofn' kl/jt{gx? gfkmf÷gf]S;fg lx;fadf hgfO{G5 .
@=@) cg'bfg
cg'bfgnfO{ gfkmf÷gf]S;fg lx;fadf h'g nfutsf] nflu ;f] cg'bfg k|bfg ul/Psf] xf] ;f]lx nfutsf] cg'kftdf Deferred Grant
Income cGt{ut Income Approach ljlwaf6 cfDbfgL hgfO{G5 . ;DkQL;Fu ;DalGwt cg'bfgnfO{ x|f;s§Ls} cg'kftdf cfDbfgL
hgfOG5 / ;f] ;DkQLnfO{ km]o/ Eofn'df dfkg ul/G5 .
@=@! u|fxsx? / a}+s tyf ljQLo ;+:yfx?;Fusf] lgIf]k / C0fkq
o;nfO{ ljQLo bfloTjdf juL{s/0f ul/Psf] 5 / kl/zf]lwt nfutdf dfkg ul/Psf] 5 .
@=@@ cfDbfgLsf] n]vf°g
a}+sn] cfkm\gf] cfDbfgL a}+lsË Joj;fo / ;DalGwt lqmofsnfkx?af6 pNn]Vo dfqfdf k|fKt ub{5 . o; cGtu{t v'b Aofh cfo
/ u}/ Aofh cfo kb{5 . ;d"xn] cGoyf eg]sf] afx]s cfDbfgLnfO{ æNFRS - 15 u|fxs;+u s/f/af6 cfDbfgLÆ adf]lhd n]vf°g
u/]sf] 5 .
s_ v'b Aofh cfDbfgL

Aofh cfDbfgL / vr{ gfkmf gf]S;fg lx;fadf k|f]befjL cfwf/df k|efjsf/L Aofh (Effective Interest) ljlw k|of]u u/L hgfOPsf]
5 . eljiosf] cg'dflgt gub e'QmfgL÷k|flKtnfO{ ljQLo ;DklQ÷ bfloTjsf] ck]lIft cfo'df 7\ofSs} l8isfpG6 ug{]b/nfO{ k|efjsf/L
Aofh b/ elgG5 . ljQLo ;DklQnfO{ xfgL k'u]sf] cj:yfdf Aofh cfDbfgLnfO{ impaired value df d'n k|efjsf/L Aofh b/sf]
cfwf/df hgfOG5 . a}+sn] Aofh cfDbfgL g]=/f= a}+ssf] Aofh cfDbfgL lgb]{lzsf adf]lhd hgfPsf] 5 .
o; a}+sn] ldlt @)&(÷)$÷)@ df ICAN af6 hfl/ ul/Psf] Effective Interest Rate ;DaGwL sfe{ cfp6 nfu' u/]sf] 5 .

v_ Zf'Ns / sdLzg cfo
Zf'Ns / sld;g cfo ;fwf/0ftof ;DalGwt ;]jf eO;s]kl5 jf Ps ;fy{s sfo{sf] sfof{Gjog eO;s]kl5 hgfOG5 . C0f
k|bfg ubf{ nfUg] ;]jf z'Ns ;f] k|bfg eO;s]kl5 hgfOG5 .
u_ nfe+fz cfo
nfe+fz k|fKt ug]{ xs :yflkt eO;s]kl5 nfe+fz cfDbfgL hgfOG5 . af]gz z]o/sf] xsdf nfutnfO{ kl/jt{g gu/L z]o/sf]
;+Vof dfq a9fO{G5 .
3_ v'b Jofkfl/s nfe
;d"xn] Jofkfl/s ;DklQ÷bfloTjsf] xsdf kfs]sf] Aofh, lgk6f/fdf nfe xfgL, km]o/ Eofn' kl/jt{g, nfe+fz / ljb]zL ljlgdodsf]
sf/f]af/af6 ;[lht nfe÷xfgL o; cGtu{t /fv]sf] 5 .
@=@# cGtl/d l/kf]{6{x?

l/kf6{] ul/Psf] ljQLo ljj/0f;uF ;DalGwt cGtl/d l/kf]{6 lgofds l/kf]l6{ªsf] cfjZoQmf cg';f/ l/kf]6{ ul/Psf] 5 .
@=@$ l8:sfplG6ª (Discounting)

u}/ rfn' ;DklQ / bfloTjdf l8:sfplG6Ësf] k|efj k|d'v ePsf] cj:yfdf nfu' ul/Psf] 5 .
@=@% PgPkmcf/P; sfof{Gjogsf] ;Ldf

hfgsf/L kof{Kt ?kdf pknAw gePsf] cj:yfdf / hfgsf/L k|fKt ug{ nfUg] nfut To;sf] kmfObf eGbf a9L ePdf PgPkmcf/P;
sfof{Gjogsf] o:tf] ckjfb ;DalGwt v08x?df pNn]v u/L k|s6g ul/Psf] 5 .
@=@^ ljutdf ckgfO{Psf] gLltx?af6 dxTjk"0f{ (significant) kl/jt{g

cl3Nnf] GAAP -tTsfnLg g]kfn n]vf°g dfgsx? / g]kfn /fi6« a}+saf6 hf/L lgb]{zgx?_ åf/f cg'df]lbt gLltx?af6
dxTjk"0f{ kl/jt{gx? / PgPkmcf/P; nfu" ug'{sf] k|efj ;DalGwt v08x?df ljZn]if0f ul/Psf] 5 .
@=@& ;DklQ tyf pks/0f / cb[Zo÷cd"t{ ;DklQ

s_ l:y/ ;DklQnfO{ P]ltxfl;s nfut cjwf/0ffsf] cfwf/df ;+lrt x|f; s§f kZrft b]vfO{Psf] 5 (cost model) .
v_ l:y/ ;DklQsf] cg'dflgt pkof]lutf cjlwnfO{ cfwf/dfgL Straight line basis sf] cfwf/df gfkmf gf]S;fg lx;fadf n]vf°g
ul/Psf] 5 . hUufsf] x|f;s§L gul/Psf] tyf ljleGg ju{sf ;DklQdf lgDglnlvt cjlw÷b/ df x|f;s§L ug]{ ul/Psf] 5 .
;DklQ cg'dflgt pkof]lutf cjlw x|f;s§L b/
ejg $) jif{ @=%∞
sfo{fno ;+rfng pks/0f & jif{ !$=@*∞
sDKo'6/ % jif{ @)∞
kmlg{r/ & jif{ !$=@*∞
;jf/L ;fwg %÷& jif{ @)∞÷!$=@*∞
cb[io ;DklQ ;DklQsf] lglZrt÷ cg'dflgt pkof]lutfsf] cjlwdf – % jif{
u_ k§fdf lnOPsf] ;DklQdf ul/Psf] vr{nfO{ k/n d"Nodf n]vf°g u/L k§fsf cjlwdf ckn]vg x'g] u/L kl/iff]wg gLlt
ckgfOPsf] 5 .
3_ cb[io ;DklQnfO{ k"FhLs[t u/L cg'dflgt÷lglZrt pkof]lutf cjlw e/L ckn]vg ul/Psf] 5 . o:tf] nfutnfO{ cd"t{ ;DklQ
cGtu{tsf] cg';"rL $=!$ df b]vfO{Psf] 5 .
ª_ laqmL jf lg;u{ ul/Psf] l:y/ ;DklQsf] x|f;s§LnfO{, ;f] ;DklQ laqmL jf lg;u{ ePsf] ldlt;Dd n]vf°g ul/Psf] 5 .
5_ ?=!),)))÷– eGbf sd d"No kg]{ ;DklQx?nfO{ k"FhLs[t gu/L v/Lb ul/Ps} jif{df vr{ hgfOPsf] 5 .
@=@* nufgL ;DklQ

PgPkmcf/P; !^ -;DklQ tyf pks/0f_ adf]lhd juL{s/0f ul/Psf] ;DklQ tyf pks/0f / PgPkmcfP; % -laqmLsf nflu
pknAw u}/ crn ;DklQ / aGb ul/Psf] ;+rfng_ adf]lhd juL{s/0f ul/Psf] afx]s hUuf jf ejg jf b'a} nufgL ;DklQ
x'g\ . ;d'xn] u]}/ a}+lsË ;DklQsf] ?kdf k|fKt u/]sf] hUuf jf ejg jf b'j]}nfO{ nufgL ;DklQsf] ?kdf juL{s/0f u/]sf] 5 .
nufgL ;DklQnfO{ km]o/ Eofn'df hgfO{Psf] 5 / :jM k|of]hgsf nflu gePsf] x'gfn] x|f;s§L ul/Psf] 5]}g .

@=@( cjsfz sf]if
a}+sn] cfkm\gf sd{rf/Lx?sf] nflu ;]jfaf6 cjsfz k|fKt ubf{sf] cj:yfdf lgDg lnlvt cjsfz ;'ljwfsf] Joj:yf u/]sf] 5 .
s_ ;+ro sf]if
:yfoL sd{rf/Lx?af6 ;dofjlws of]ubfgsf] cfwf/df ;+ro sf]ifsf] Joj:yf u/]sf] 5 . sd{rf/L ;+rosf]ifdf of]ubfg ul/Psf]
;dodf g} vr{ hgfOPsf] 5 . ;+ro sf]if a}+seGbf leGg ;+:yfdf hDdf ul/Psf] 5 .
v_ pkbfg sf]if
g]kfn n]vfdfgsf] k|fjwfg cg';f/ :jtGq PSr'c/Ln] u/]sf] d"Nof°g cg';f/ pkbfgsf] Joj:yf ul/Psf] 5 . sd{rf/Lx?n]
;]jfaf6 cjsfz k|fKt ubf{ sd{rf/L ;]jf zt{ tyf ;'ljwf ;DaGwL ljlgdodfjnL] cg';f/ pkbfgsf] lx;fa u/]/ sd{rf/LnfO{
pkbfg e'QmfgL ul/G5 .
u_ ;+lrt labf
g]kfn n]vfdfgsf] k|fjwfg cg';f/ :jtGq PSr'c/Ln] u/]sf] d"Nof°g cg';f/ la/fdL labf jfktsf] Joj:yf ul/Psf] 5 .
sd{rf/Lx?n] ;]jfaf6 cjsfz k|fKt ubf{ sd{rf/L ;]jf zt{ tyf ;'ljwf ;DaGwL ljlgdodfjnL] cg';f/ ;+lrt la/fdL labfsf]
lx;fa u/]/ sd{rf/LnfO{ e'QmfgL ul/G5 .
3_ ;+lrt 3/ labf
g]kfn n]vfdfgsf] k|fjwfg cg';f/ :jtGq PSr'c/Ln] u/]sf] d"Nof°g cg';f/ 3/ labf jfktsf] Joj:yf ul/Psf] 5 .
sd{rf/Lx?n] ;]jfaf6 cjsfz k|fKt ubf{ cyjf ;+lrt 3/ labf of]Uo ;+lrt 3/ eGbf w]/} ePdf sd{rf/L ;]jf zt{ tyf ;'ljwf
;DaGwL ljlgdodfjnL] cg';f/ ;+lrt 3/ labfsf] lx;fa u/]/ sd{rf/LnfO{ e'QmfgL ul/G5 . o:tf] 3/ labf ^) lbg;Dd dfq
;+lrt ug{ ;lsg] Joj:yf /x]sf] 5 .
@=#) ;+rfngk§f
To:tf] k§f h;df hf]lvd / Ogfdsf] Ps dXTjk"0f{ efu wgLn] cfkm};Fu /fV5 To;nfO{ ;+rfng k§fsf] ?kdf juL{s/0f
ul/G5 . a}+sn] n]vf ;DaGwL l6Kk0fLdf pNn]v ul/P adf]lhd cf=j @)&*÷&( b]vL Modified retrospective method ljlwaf6 zfvf
/ Pl6Pdsf] k§fdf PgPkcf/P; !^ æk§fÆ nfu' u/]sf] 5 . k|f/De ldlt kl5, a}+sn] nfut df]8]n nfu" ub}{ right-of-use asset
sf] ;DklQ dfkg u/]sf] 5 eg] nLh bfloTj lgDg åf/f dfkg ul/Psf] 5M
-s_ k§f bfloTjdf Aofh k|ltlalDat ug{ carrying amount a9fpg]Ù
-v_ k§f e'QmfgLx¿ k|ltlalDat ug{ carrying amount 36fpg]Ù
-u_ s'g} klg k'gd{"Nof°g jf k§f kl/dfh{gx¿ k|ltlalDat ug{ carrying amount nfO{ k'gM d"Nof°g ug]{, olb s'g} 5 eg] .
@=#! cfos/
s_ rfn" cfos/
sDkgLsf] cfos/ P]g, @)%* / ;f]df ;do ;dodf ePsf] ;+zf]wgsf] cfwf/df cfos/ Joj:yf ul/Psf] 5 .
v_ :yug cfos/
ljQLo ljj/0fdf ;Dklt / bfloTjsf] d"No / ;f]sf] s/ d"Nodf x'g] c:yfoL km/sdf k|rlnt s/sf] b/ k|of]u ul/ cfpg]
/sdnfO{ :yug s/ eg]/ hgfO{G5 . :yug cfos/ jf;n;tsf] ldltdf k|rlnt s/sf] b/ k|of]u ul/ lgwf{/0f ul/G5 / :yug
cfos/ ;DklQ k|fKt ubf{ cyjf :yug cfos/ bfloTj km5\of]{6 ubf{ pkof]u ug{ ;lsG5 . :yug ul/Psf] s/ ;DklQnfO{
eljiodf kof{Kt s/of]Uo cfo ;[lh{t eO{ pQm s/of]Uo cfodf ;dfof]hg ug{ ;lsG5 eGg]df Jojxfl/s ?kn] ;'lglZrttf
geP;Dd :yug s/ ;DklQnfO{ n]vf°g ul/b}g . z'?sf] df}Hbftdf /x]sf] c:yfoL km/s;Fu ;DalGwt :yug s/ OlSj6Ldf
;dfof]hg ul/G5 / To; kZrft\ kl5Nnf] jif{x?df cfpg] km/sx? gfkmf÷gf]S;fg lx;fa vftfdf :yug cfo jf gf]S;fgL;Fu
hgfOG5 . g]kfn /fi6« a}+ssf] lgb]{zg adf]lhd :yug s/ ;DklQ / bfloTjnfO{ Ps csf{df ldnfg u/L v'b /sdnfO{ cGo
;DklQx? cyjf cGo bfloTjx? cGtu{t k|:t't ul/Psf] 5 .

@=#@ ;]Ud]G6n l/kf]{l6Ë (Segmental Reporting)
a}+ssf] o:tf] 36s h'g Jofkf/ ultljlwdf klg ;+nUg x'G5 / h;af6 cfDbfgL / vr{ klg x'G5 -a}+ss} csf]{ 36s;Fu sf/f]af/
u/L cfDbfgL÷vr{ klg x'g] 36s ;d]t u/L_ / To;sf] ;+rfng glthf a}+s Joj:yfkgåf/f d"Nof°g u/L tL 36sx?df ;|f]t
;fwg afF8kmfF8 ul/G5, To:tf] 36snfO{ ;+rfng If]q (Operating Segments) elgG5 . Joj:yfkg / l/kf]{l6Ësf] nflu a}+snfO{
lgDg If]qdf ljefhg ul/Psf] 5M l/6]n, SME/MSME, skf]{/]6, ljkGg, 6«]h/L / cGo . cfos/ nfO{ s'g} ;+rfng If]qdf ljefhg
ul/b+}g / ;d'xut cfwf/df Joj:yfkg ul/G5 . ;a} If]qx? aLrdf x'g] sf/f]af/ Arm Length Price df ul/G5 / If]qx? aLrsf]
cfDbfgL vr{nfO{ æcGodfÆ /fvL x6fO{Psf] 5 . cGo ;kf]6{ nfutx? (Support Cost) ;+rfng If]qnfO{ x'g] kmfO{bfsf] cg'dfgsf]
cfwf/df Joj:yfkgåf/f cf+sng u/L tL If]qx?df ljefhg ul/Psf] 5 .
@=## z]o/ k"FhL / hu]8f

a}+ssf] ;fwf/0f z]o/sf] d"Nofª\g k|lt ;fwf/0f z]o/sf] k|fKt d"Nodf ul/G5 . ;fwf/0f z]o/ wf/s ;fwf/0f ;efdf k|rlnt
sDkgL P]g adf]lhd dtflwsf/ k|fKt ub{5g\ / jflif{s nfe+fzsf] xsbf/ x'G5g\ . hu]8f sf]ifsf] ljleGg lzif{ssf] JofVof lgDg
?kdf pNn]v ul/Psf] 5 .
s_ ;fwf/0f hu]8f sf]if

;fwf/0f hu]8f sf]if r'Qmf k"FhLsf] bf]Aa/ geP;Dd a}+sn] v'b gfkmfsf] Go"gtd @) k|ltzt / To;kl5 Go"gtd !) k|ltzt /sd
;fwf/0f hu]8f sf]ifdf hDdf ug'{ kg]{5 . ;fwf/0f hu]8f sf]ifdf hDdf ePsf] /sd z]o/wgLnfO{ s'g} klg ?kdf ljt/0f ug{
kfOg] 5}g . ;f] sf]ifdf ePsf] /sd cGo lZfif{sdf ;fg'{ k/]df g]kfn /fi6« a}+ssf] ljz]if :jLs[lt lng' kg]{5 . OCI df cfDbfgL
u0fgf ul/ l;w} ;+rLt gfkmfdf /sdfGt/ ul/g] /sddf ;d]t @)∞ ;fwf/0f hu]8f sf]ifdf /sdfGt/ ul/Psf] 5 .
v_ ;6xL 36a9 sf]if

ljb]zL d'b|fsf] v/Lb b/ / laqmL b/sf] leGgtfaf6 k'gM d"Nof°g ePsf] gfkmfsf] @% k|ltzt a}+sn] ;6xL 36a9 sf]ifdf hDdf
ug'{ kg]{5 . ;f] lgod ef/tLo ?k}of -ef?_ sf] xsdf nfu' x'g] 5}g .
u_ km]o/ Eofn' sf]if

of] :j]lR5s (Non-Statutory) sf]if xf] / ljQLo ;DklQsf] n]vf°g gLlt nfu' ug{sf] nflu cfjZos 5 . g]kfn ljQLo
l/kf]{l6ª dfgs adf]lhd ljQLo ;DklQ de-recognize gu/];Dd FVTOCI (Fair value through other comprehensive Income) df dfkg
ul/Psf] To:tf] ;DklQsf] km]o/ Eofn'sf] ;+lrt v'b kl/jt{gnfO{ km]o/ Eofn' sf]ifDff hgfO{5 . To:tf] ;DklQsf] lgk6f/f kl5 k|fKt
km]o/ Eofn'nfO{ km]o/ Eofn' zLif{saf6 ;+lrt gfkmf÷gf]S;fg lx;fadf hgfO{G5 .
3_ ;DklQ k'gM d"Nof°g sf]if

of] :j]lR5s (Non-Statutory) hu]8f xf] / u}/–ljQLo ;DklQx? Hf:t}M ;DklQ, pks/0f, nufgL ;DklQ / cd"t{ ;DklQx?sf]
k'gM d"Nof°g df]8]n cg'?k n]vf°g ug{ o; sf]ifsf] cfjZoQmf kb{5 . a}+s;Fu ;DklQ k'gM d"Nof°g hu]8fdf s'g} /sd
5}g .
ª_ k"FhL ;dfof]hg sf]if

of] Ps j}wflgs sf]if xf] / /fi6« a}+ssf] kl/kq !@.)&@.&# cg'?k n]vf°g o; sf]ifdf ul/G5 . j]}zfv @)&@ sf] e'sDkn] ubf{
k'g/tflns/0f jf k'g;+/rgf ul/Psf] shf{sf] AofhnfO{ k"FhLs/0f u/L hgfOPsf] cfDbfgL /sdnfO{ shf{ k'0f{ ?kdf r'Qmf gx'~h]
n afF8kmf8 gu/L k+"hL ;dfof]hg sf]ifdf /fVg' kb{5 .
r_ ;+:yfut ;fdflhs pQ/bfloTj sf]if

g]kfn /fi6« a}+ssf] lgb]{zg cg';f/ o; sf]ifdf v'b nfesf] ! k|ltZft a/fa/sf] /sd jflif{s ?kdf hDdf ug'{ kb{5 . ;f] /sd
csf]{ jif{ ;+:yfut ;fdflhs lhDd]jf/Lsf nflu vr{ ul/g]5 .
5_ nufgL ;dfof]hg sf]if

g]kfn /fi6« a}+ssf] lgb]{zg cg';f/ 5'6 glbO{Psf] z]o/ nufgL lglZrt ;do leq ;"lrs[t gePdf To; nufgLnfO{ a}+sn] o;
sf]ifdf hDdf ug'{ kb{5 . o; sf]ifdf ePsf] kl/jt{gx? ;+lrt d'gfkmfdf k'g{MjuL{s/0f ul/Psf] 5 .
Hf_ C0fkq e'QmfgL sf]if

a}+sn] C0fkq hf/L u/]sf] xsdf C0fkq e'QmfgL sf]if sod ug'{kg]{5 . a}+ssf] C0fkq hf/L ug{ /fi6« a}+ssf] cg'df]bgsf] zt{
cg';f/ a}+sn] C0fkqsf] s'n /sd ;f]xL C0fkqsf] cjlwdf -lgisfzg jif{ / l/8]Dk;g jif{ afx]ssf] cjlw_ ;dfg ?kdf
C0fkq e'QmfgL sf]ifdf hDdf ug'{ kg]{5 .

em_ sd{rf/L k|lzIf0f sf]if
a}+sn] sd{rf/L k|lzIf0f / ljsf;sf vr{sf] nflu cl3Nnf] cfly{s jif{sf] sd{rf/L vr{sf] # k|ltZft /sd sd{rf/L k|lzIf0f
sf]ifdf hDdf ug'{kg]{5 . olb ;f]sf] jif{df clgjfo{ ?kdf vr{ ug'{kg]{ /sd a}+sn] vr{ ug{ g;s]df ;f] vr{ x'g aFfsL /sd
klg sd{rf/L k|lzIf0f sf]ifdf ;+lrt x'g]5 .
`_ ljdfl°s gfkmf÷gf]S;fg sf]if

of] u]}/ j]}wflgs sf]if xf] / sd{rf/L nfesf] n]vf gLlt nfu" ug{ cfjZos kb{5 . PgPP; !( adf]lhd kl/eflift nfe bfloTj
d"Nof°gdf dflgPsf ljdfl°s wf/0fx?sf] kl/jt{gaf6 x'g] ljdfl°s gfkmf÷gf]S;fgnfO{ o; sf]if cGtu{t /flvG5 . o; sf]ifdf
x'g] kl/jt{gnfO{ cGo lj:t[t cfDbfgL ljj/0f hgfOPsf] 5 .
6_ lgodgsf/L sf]if
of] u]}/d'Qm lgodgsf/L sf]if xf] . a}+sn] tof/ u/]sf] NFRS Complaint ljQLo ljj/0fdf g]kfn /fi6« a}+ssf] lgb]{zg
adf]lhd ;l~rt d'gfkmf (Retained earnings) vftfdf vr{ u/L lgodgsf/L sf]ifdf hDdf ul/Psf] 5 . o; sf]if cGtu{t Aofh
d'NtjLaf6 hgfOPsf] Aofh cfDbfgL, /fi6« a}+s / PgPkmcf/P; adf]lhd C0f gf]S;fgL Joj:yf aLrsf] km/s, :yug s/
;DklQ a/fa/sf] /sd, cGo lj:t[t cfDbfgL ljj/0fdf hgfOPsf] ljdfl°s gfkmf÷gf]S;fg tyf OlSj6L z]o/x?sf] km]o/ Eofn'
;dfof]hg / PgPkmcf/P; adf]lhd hgfOPsf] Voflt kb{5g\ .
@=#$ :6]zg/L
vl/b ul/Psf :6]zg/L df}HbftnfO{ nfut d"Nosf] cfwf/df n]vf°g u/L pkof]u ul/Psf] ;dodf vr{ hgfOPsf] 5 .
@=#% Joj:Yff, ;Defljt bfloTj tyf ;Defljt ;DklQ

ljutsf s'g} 36gfsf] sf/0f jt{dfg bfloTj ;[hgf eO{ a}+ssf] ;|f]tsf] k|jfx x'g] ;Defjgf ePdf / ;f] bfloTj /sdsf] plrt
cg'dfg ug{ ;lsPdf a}+sn] Joj:yf ub{5 . ;Defljt afWotf jt{dfg bfloTj -h;af6 ;Dejt a}+ssf] ;|f]tsf] k|jfx x'b}g_ sf]
nflu a}+sn] ;Defljt bfloTjsf] k|s6g ub{5 . ;Defljt bfloTj jf jt{dfg bfloTj h;af6 a}+ssf] ;|f]tsf] k|jfx x'g] ;Defjgf
Go"g /x]df a}+sn] Joj:yf jf k|s6g ug]{ 5}g . ;Defljt ;DklQnfO{ ljQLo ljj/0fdf b]vfO{Psf] 5}g oBkL logLx?nfO{ ;do
;dodf lgwf{/0f ul/G5 / cfly{s nfe x'g] lglZrt x'g] v08df h'g cf= j= df ;f] kl/jt{g ePsf] xf] ;f] cf= j= df ;Dklt /
;DalGwt cfosf] n]vf°g ul/G5 .
@=#^ jf;nft ldlt kl5sf 36gfx?

Jff;nftsf] ldlt / ljQLo ljj/0f hf/L ug{ l:jls[t ePsf] ldltsf] aLrdf 36]sf cg's'n jf k|lts'n 36gfx?nfO{ jf;nftsf]
ldltkl5sf] 36gf elgG5 . Jff;nftsf] ldlt / ljQLo ljj/0f hf/L ug{ :jLs[t ePsf] ldltsf] aLrdf 36]sf ;f/e't / cy{k"0f{
36gfx?sf] ljQLo ljj/0fdf g]kfn ljQLo l/kf]{l6ª dfgs adf]lhd plrt ;dfof]hg / n]vf ;DaGwL l6Kk0fLx?df plrt
hfgsf/L k|bfg ul/Psf] 5 .
#= lgs6td ?k}+ofF (Rounding –Off) tyf k'gMjuL{s/0f

ljQLo ljj/0fx?nfO{ g]kfnL ?k}+ofFdf k|:t't ul/Psf] 5 . c°x?nfO{ lgs6td ?k}+ofFdf kl/0ft u/L b]vfOg'sf] ;fy} ut jif{sf]
s]xL c+sx? t'ngf ug{ ;lhnf]sf nflu cfjZostf cg';f/ juL{s/0f jf k'gMjuL{s/0f ul/Psf] 5 .

cltl/Qm n]vf l6Kk0fLx?

PgPdla a}+s lnld6]8
cltl/Qm n]vf l6Kk0fL @)&( >fj0f ! ut] b]lv @)*) cfiff9 #@ ut];Ddsf]
-!& h'nfO{, @)@@ b]lv !^ h'nfO{ @)@# ;Dd_
cltl/Qm n]vf l6Kk0fL
!= sd{rf/L af]g; M
sd{rf/L af]g; tyf cfos/ Joj:yf ug'{ cl3sf]] !) k|ltztsf] lx;fan] x'g cfpg] /sd sd{rf/L af]g; jfkt Joj:yf ul/Psf]
5 .
@= ;fw/0f hu]8f sf]if M

a}}+s tyf ljQLo ;+:yf ;DaGwL P]g, @)&#, bkmf $$ sf] Joj:yf adf]lhd k|:t't jif{sf] v"b gfkmfsf] @) k|ltzt /sd ? ^$
s/f]8 $% nfv gfkmf gf]S;fg aFf8kmFf8 lx;faaf6 ljlgof]hg u/L ;fwf/0f hu]8f sf]ifdf ;fl/Psf] 5 .
#= ;6xL 36a9 sf]if M

a}}+s tyf ljQLo ;+:yf ;DaGwL P]g, @)&#, bkmf $% sf] Joj:yf adf]lhd ljb]zL d'b|fsf] ljlgdo b/df cfpg] k'g{Md"Nofª\sg
km/saf6 ePsf] gfkmfsf] @% k|ltztn] x'g] /sd ?=! s/f]8 $& nfv gfkmf gf]S;fg afF8kmfF8 lx;faÆ af6 /sdfGt/ u/L æ;6xL
36a9 sf]ifÆ df ;fl/Psf] 5 .
$= ;6lx 36a9 cfDbfgL

ljb]zL d'b|fsf] v/Lb b/ / laqmL b/sf] leGgtfaf6 k|fKt cfo b}lgs ?kdf u0fgf u/L ljb]zL d'b|fsf] k'g{Md"Nofªgaf6 x'g] gfkmf
gf]S;fgnfO{ lj:t[t cfo ljj/0fsf] cg';"rL $=#$ cGtu{t æ;6lx 36a9 cfDbfgL÷gf]S;fgLÆ zLif{sdf hgfO{Psf] 5 . ljleGg
ljb]zL ljlgdosf] v/Lb tyf laqmLaf6 ePsf] cfDbfgLnfO{ b}lgs ?kdf u0fgf u/L ;6xL 36a9 cfDbfgL cGt{ut v/Lb
laqmLaf6 x'g] gfkmfdf cg';"rL $=## df b]vfOPsf] 5 . a}+sn] ?=@( s/f]8 (% nfv ;6lx 36a9 cfDbfgL sdfPsf] 5 .
%= nufgL ;dfof]hg sf]if M

nufgLnfO{ PgPkmcf/P;sf] Joj:yf adf]lhd k|:t't ul/Psf] 5 . g]kfn /fi6« a}ssf] lgb]{zg adf]lhd lwtf]kq ljlgdo
ahf/df ;"rLs[t eO{g;s]sf] ;+ul7t ;+:yfsf] ;]o/ jf l8j]~r/df nufgL u/]df To:tf] nufgL u/]sf] ldltn] # jif{leq pQm
;]o/ tyf l8a]~r/ ;"rLs[t gePsf] v08df nufgL eP a/fa/sf] /sd ;l~rt d'gfkmf vr{ u/L nufgL ;dfof]hg sf]ifdf hDdf
ug'{ kb{5 . tt\ cg'?k o; cf=j=df a}+sn] dxfnIdL nfO{km O{G:of]/]G; sDkgL lnld6]8df nufgL u/]sf] ?=% s/f]8 ljlgdo
ahf/df ;"rLs[t eO{ ;s]sfn] nufgL ;dfof]hg sf]ifaf6 ;fl/Psf] 5 .
^= C0fkq e'QmfgL sf]if M

g]kfn /fi6« a}ssf] lgb]{zg adf]lhd, ?=%^ s/f]8 ^^ nfv a/fa/sf] /sd C0fkq e'QmfgL sf]ifdf ;fl/Psf] 5 . jf;nft ldltdf
C0fkq e'QmfgL sf]ifdf ?=! ca{ !% s/f]8 ^& nfv a/fa/sf] /sd /xsf] 5 .
C0f e'QmfgL Redemption
cls+t sf]ifdf hDdf k|To]s jif{
kl/kSj Aofh Redemption Redemption
C0fkq hf/L ldlt d"No -bz ug’{ kg]{ sf]ifdf -? bz p2]Zo
ldlt b/ ;'?jftL jif{ clGtd jif{
nfvdf_ hDdf nfvdf_
ug'{kg]{ s'n
PgPdla phf{ @) h]i7 @) h]i7 cf=j= cf=j= k'FhL kof{Kttf
$=))∞ !,%)) 14 !)&=!$
C0fkq ! @)(@÷(# @)&* @)(# @)&*÷&( @)(!÷(@ u0fgf
PgPdla phf{ !) h]i7 !) h]i7 C0f cg'kft
$=))∞ @,&@& N/A N/A N/A N/A
C0fkq @ @)(@÷(# @)&( @)($ u0fgf
PgPdla C0fkq @( r}q @( r}q cf=j= cf=j= k'FhL kof{Kttf
!)=))∞ !,^*% 9 !*&=!&
@)*$÷*% @)&% @)*% @)&^÷&& @)*$÷*% u0fgf
PgPdla C0fkq !! h]i7 !! h]i7 cf=j= cf=j= k'FhL kof{Kttf
*=%)∞ @,))) 9 @@@=@@
@)*&÷** @)&* @)** @)&*÷&( @)*^÷*& u0fgf
PgPdla C0fkq #) r}q @( r}q C0f cg'kft
!)=&%∞ $,))) N/A N/A N/A N/A
@)*(÷() @)&( @)*( u0fgf

&= ;+:yfut ;fdflhs pQ/bfloTj sf]if M
o; a}+sn] g]kfn /fi6« a}+ssf] PsLs[t lgb]{zg cg';f/ v'b d'gfkmfsf] ! k|ltzt x'g cfpg] ?=#@,@@%,$&# 5'6\ofO{ ;+:yfut
;fdflhs pQ/bfloTj sf]if v8f ul/ hDdf ul/Psf] 5 .
ljj/0f /sd -?=_
s_ v'b gfkmf cf=j= @)&(÷@)*) #,@@@,%$&,@(@
v_ v'b gfkmfsf] ! k|ltzt /sd ;+:yfut ;fdflhs pQ/bfloTj sf]ifdf ;fl/Psf] #@,@@%,$&#
u_ ;'?jftL ;+:yfut ;fdflhs pQ/bfloTj sf]if #$,^%@,&((
3_ cf=j= @)&(÷@)*) ;+:yfut ;fdflhs pQ/bfloTj vr{ n]lvPsf] (,##!,&#&
ª_ clGtd ;+:yfut ;fdflhs pQ/bfloTj sf]if-v±u–3_ %&,%$^,%#%
r_ v'b ptf/ r8fj -ª–u_ @@,*(#,&#^
o; a}+sn] CSR df u/]sf] If]qut vr{ lgDg adf]lhd /x]sf] 5 M ?=xhf/df
cf= j= @)&*÷&( @)&(÷*)
s= lzIff $,)$* !,&$(
v= :jf:y !%,()$ #,(*#
u= k|sf]k Joj:yfkg $)! @^&
3= jftfj/0f ;"/Iff @*% !$%
ª= cfDbfgL j[l4 **
r= k"jf{wf/ @,)*( !%%
5= ljQLo ;fIf/tf !,!)! ^&$
h= u|fxs ;"/Iff %)
em= lbuf] ljsf; nIo
`= ;f+:s[lts ;Dkbf !,$%@ !,**&
6= gofF a}+s vftf vf]Ng] #( #*$
s'n @%,#^( (,##@
o; a}+sn] k|b]z cg';f/ CSR df u/]sf] vr{ lgDg adf]lhd /x]sf] 5 M ?=xhf/df
cf=j= @)&(÷*)
sf]zL ((#
dw]z ^$^
afudtL #,(&%
u08sL @,)@%
n'lDagL &*#
s0ff{nL ^)
;'b'/klZrd *$*
s'n (,##@
*= sd{rf/L bIftf clej[l4 sf]if M

g]kfn /fi6« a}+ssf] PsLs[t lgb]{zg @)&&,^-^_ adf]lhd s"n sd{rf/L vr{sf] Go"gtd # k|ltzt /sd tflnd tyf j[lt ljsf;df
vr{ ug'{ kg]{ Joj:yf /x]sf]df cf=j= @)&(÷*) df ?=%,#($,)($ a/fa/sf] /sd sd{rf/L bIftf clej[l4 sf]ifdf ;fl/Psf] 5 .
ljj/0f /sd -?=_
s_ sd{rf/L vr{ cf=j= @)&*÷@)&( !,%&!,@&$,%$^
v_ dflysf sd{rf/L vr{sf] # k|ltztn] x'g] /sd cf=j= @)&(÷@)*) vr{ ug'{kg]{ $&,!#*,@#^
u_ tflnd tyf j[lt ljsf;df ePsf] vr{ cf=j= @)&(÷@)*) $!,&$$,!$#
3_ yk÷-36_ /sd -u–v_ -%,#($,)($_
ª_ ;'?jftL sd{rf/L bIftf clej[l4 sf]if @@,@^#,))@
r_ sd{rf/L bIftf clej[l4 sf]ifdf ;fl/Psf] /sd %,#($,)($

(= lgofds sf]if
PgPkmcf/P; nfu' eP kZrfQ lgofds sf]ifdf ePsf] kl/jt{g lgDg adf]lhd /x]sf] 5 .
ljj/0f cf=j= @)&$÷&% cf=j= @)&%÷&^ cf=j= @)&^÷&& cf=j= @)&&÷&* cf=j= @)&*÷&( cf=j= @)&(÷*)
shf{ tyf ;fk6Ldf Aofh
@@@,^&(,!&^ %(!,#!&,#$! $(@,%#&,#&& ^#^,&%&,*^@ *&&,(%#,#@@ !,#*&,$!&,%&)
d'NtjL -sd{rf/L ;lxt_
u}/ a}+lsË ;DklQ-nufgL
%(,&&$,^@& !)@,(!%,*^@ %),!&*,#(@ ^!,&)#,^@$ !*%,(%!,&%* $#(,%%%,&#*
;DklQ_ sf] Joj:yf
:yug s/ ;DklQ ^^,*^(,)!! &),)$),%(# @^$,$@!,)*) @$(,))(,%^% ##*,(^$,&^$ $$*,*&%,&$$
ljdflËs gf]S;fgx? $*,)@^,%)@ $*,(!%,$&! ^^,**^,!!& &(,&(#,$*) !!),^#@,&%% !$(,^%^,^%$
OlSj6L z]o/x?sf]
&,)%&,@(^ %,%$#,&(* !),!)(,(^@ – – –
km]o/ Eofn' ;dfof]hg
hDdf $)$,$)^,^!@ *!*,&##,)^% **$,!#@,(@* !,)@&,@^$,%#! !,%!#,%)@,%(( @,$@%,%)%,&)%
!) :yug sd{rf/L vr{

a}+sn] sd{rf/L lgodfjnL cg';f/ ;x'lnotk"0f{ b/df 3/ shf{, ;jf/L;fwg shf{ nufotsf shf{x? pknAw u/fPsf] 5 /
;f]nfO{ ;dfg ljQLo ;DklQsf] nflu nfu" x'g] k|rlnt ahf/ Aofh b/df eljiosf ;a} gub k|jfxx¿nfO{ l8:sfpG6 u/L
kl/zf]lwt nfutdf dfkg ul/Psf] 5 . :yug sd{rf/L vr{ ? @=#( ca{nfO{ cGo ;DklQ cGtu{t ;dfj]z ul/Psf] 5 / af+sL
shf{nfO{ gf]6 $=& cGtu{t /flvPsf] 5 . ;x'lnotk"0f{ b/sf sf/0f pTkGg x'g] Aofh cfDbfgL ? !!=)( s/f]8nfO{ Aofh cfDbfgL
lzif{sdf / sd{rf/L vr{ cGtu{t ljQ vr{ lzif{sdf k|:t't ul/Psf] 5 .
!! k|:tfljt nfef+z
a}+ssf] ;~rfns ;ldltsf] ldlt @)*)÷)*÷!# ut] a;]sf] a}7sn] cfly{s jif{ @)&(÷)*) sf] ljQLo ljj/0f cg';f/ sfod
/x]sf] ljt/0f of]Uo d'gfkmfaf6 nfef+z ljt/0f gu/L ;l~rt ug]{ lg0f{o ePsf] .
!@ cljt/Lt nfefzM
@)*) cfiff9 d;fGtdf z]o/wgLx?n] a'lemlng afFsL /x]sf] nfef+z a}+sdf ?=@,#!%,%** / o; a}+ssf] z]o/ /lhi6«f/
PgPdla Soflk6n ln= df /x]sf] ;d]t ?=@&&,%**,%%# ul/ s'n @&(,()$,!$! /x]sf] 5 . a+}sn] nfef+; a'lemlng] ;DaGwdf
z]o/wgLx?sf] hfgsf/Lsf nflu /fli6«o b}lgs klqsfdf ;d]t k|To]s jif{ ;"rgf k|sflzt ug]{ u/]sf] 5 .
!# k|lt z]o/ cfDbfgLM

k|lt z]o/ cfDbfgL -;fdfGo_ NAS ## -k|lt z]o/ cfDbfgLsf]_ cg';f/ u0fgf ul/Psf] 5, h; cg';f/ s/ kl5sf] gfkmfnfO{
jif{ e/L /x]sf] jSof}tf OlSj6L z]o/ ;+Vofsf] efl/t cf}iftn] efu u/L u0fgf ul/Psf] 5 . af]g; z]o/ hf/L ubf{ ;|f]t ;fwgdf
s'g} kl/jt{g gx'g] ePsf]n] ljut jif{sf] k|lt z]o/ cfDbfgLnfO{ k'gM:yfkgf (Restate) ul/Psf] 5 .
ljj/0f cf= j= @)&(÷*) cf= j= @)&*÷&(
jSof}tf OlSj6L z]o/ ;+Vofsf] efl/t cf}ift ;+Vof 183,667,060 183,667,060
s"n gfkmf 3,222,547,292 3,291,094,170
k|lt z]o/ cfDbfgL-;fdfGo_ 17.55 17.92
k|lt z]o/ c+lst d"No 100 100
!$ shf{ ;DaGwL v'nf;f / Aofh k|flKtsf] Reconciliation cfiff9 d;fGt @)&(

ljj/0f u|fxs ;+Vof /sd -?=_
cfiff9 d;fGt @)*) kZrft\ !% ;fpg @)*) ;Dd cflh{t
#@%) #%),$^@,%$&
Aofh k|fKt ul/Psf]
c;n shf{ kf]6{kmf]lnof]df ;[hgf÷v8f ul/Psf] cltl/Qm
@*,#$( %!$,&)#,@^$
)=#)∞ C0f k|fjwfg
pBf]u jf kl/of]hgfnfO{ shf{ k|jfx ePsf] clw:yug cjwL
- -
yk÷lj:tf/
shf{ gf]S;fg k|fjwfg k|ltzt;Fu k'g/tflnsLs/0f÷
!$# %*^,)(#,%*@
k'g/;+/rgf shf{

@) k|ltzt sf]le8 k|efljt C0fLx?åf/f rfn' k"FhLdf ePsf] !$ (,($!,%@)
yk÷j[4L
!) k|ltzt sf]le8 k|efljt C0fLx?åf/f cfjlws shf{df - -
ePsf] yk÷j[4L
% k|ltzt k|fjwfg ;lxt ! jif{;Dd ;fl/Psf]÷nDAofOPsf] - -
cltl/Qm @) k|ltzt rfn' shf{ -sf]le8 shf{sf] clGtd
e'QmfgL ldlt
% k|ltzt k|fjwfg ;lxt ! jif{;Dd ;fl/Psf]÷nDAofOPsf] - -
cltl/Qm !) k|ltzt cfjlws shf{ -sf]le8 shf{sf]
clGtd e'QmfgL ldlt
g]=/f a}+s lgb{]lzsf @ sf] bkmf $! cg';f/ ;fjfF Aofh - -
e'QmfgLsf] ;do ;Ldf yk ul/Psf]
k'g/shf{, Joj;flos lg/Gt/tf shf{ / ;x'lnotk"0f{ shf{ ;DaGwL ljj/0f o; k|sf/ /x]sf] 5 . cf=j= @)&(÷*)
k'g/shf{ - -
Joj;flos lg/Gt/tf shf{ - -
cfiff9 d;fGt @)*)

;x'lnotk"0f{ shf{ 5,549 8,803,426,900
!% k|d'v ;"rf°x?
ljj/0f ;"rf° cf= j= cf= j= cf= j= cf= j= cf= j=
@)&%÷&^ @)&^÷&& @)&&÷&* @)&*÷&( @)&(÷*)
1 v'b gfkmf÷s'n cfDbfgL k|ltzt k|ltzt 18.06 11.94 17.45 15.25 11.74
2 k|lt z]o/ cfDbfgL ?= 18.79 11.18 14.76 17.92 17.55
3 k|lt z]o/ ahf/ d"No ?= 382 397 440 261 226
4 d"No cfDbfgL cg'kft (PE Ratio) cg'kft 16.23 31.45 26.41 14.57 12.88
5 z]o/ k"FhLdf nfefFz -af]g; ;lxt_ k|ltzt 35.00 16.20 15.8 8.25 -
6 z]o/ k"FhLdf gub nfefFz e'QmfgL k|ltzt 14.00 3.20 3.30 8.25 -
7 Aofh cfDbfgL÷shf{ tyf ;fk6 k|ltzt 11.17 10.95 8.16 9.55 11.98
8 sd{rf/L vr{÷s'n ;+rfng vr{ k|ltzt 61.52 58.32 65.04 64.82 64.02
9 s'n lgIf]k tyf ;fk6Ldf Aofh vr{ k|ltzt 6.58 6.30 4.64 6.26 8.01
10 ;6xL 36a9 cfDbfgL÷s'n cfDbfgL k|ltzt 0.32 0.27 0.20 0.13 0.10
11 sd{rf/L af]g;÷s'n sd{rf/L vr{ k|ltzt 34.21 19.65 25.70 25.30 23.52
12 v'b gfkmf÷shf{ ;fk6 k|ltzt 2.42 1.38 1.68 1.77 1.59
13 v'b gfkmf÷s'n ;DklQ cg'kft 1.67 0.95 1.17 1.29 1.12

14 s'n shf{÷lgIf]k -cf=j=sf] clGtd dlxgfsf] k|ltzt 89.30 86.66 89.76 87.75 83.46
cf};t_
15 s'n shf{÷lgIf]k -cf=j=sf] clGtd lbgsf]_ k|ltzt 87.71 86.39 86.51 85.55 82.36
16 s'n ;+rfng vr{÷s'n ;DklQ k|ltzt 1.70 1.57 1.39 1.54 1.46
17 hf]lvd efl/t ;DklQdf k"FhLsf]ifsf] kof{Kttf
-s_ k|fylds k"FhL k|ltzt 13.11 13.00 11.42 10.36 10.15
-v_ k'/s k"FhL k|ltzt 2.35 2.08 3.66 3.23 3.18
-u_ s'n k"FhL sf]if k|ltzt 15.45 15.08 15.08 13.59 13.33
!* t/ntf (CRR) cg'kft 4.19 5.93 5.66 5.33 5.63
!( lgis[o shf{÷s'n shf{ k|ltzt 0.82 2.68 2.27 1.45 2.75
@) cfwf/ b/ -cf=j=sf] clGtd q}df;sf]cf};t_ k|ltzt 9.92 9.29 6.99 9.38 10.37
@! Aofh b/ cGt/ (Weighted Average Inter- k|ltzt 4.26 4.05 3.09 4.05 3.99
est Rate Spread) -cf=j=sf] clGtd dlxgf_
@@ ;DklQdf k|ltkmn k|ltzt 1.83 1.09 1.32 1.35 1.19
@# O{lSj6Ldf k|ltkmn k|ltzt 13.32 8.94 12.08 12.95 11.65
@$ g]6jy{ k|lt ;]]o/ ¿ 180.94 150.06 146.66 146.30 154.82

ljj/0f ;"rf° cf= j= cf= j= cf= j= cf= j= cf= j=
@)&%÷&^ @)&^÷&& @)&&÷&* @)&*÷&( @)&(÷*)
@% cf}ift pkh (YTD) k|ltzt 10.80 10.67 8.71 9.00 11.80
@^ s'n z]o/ ;+Vof -xhf/df_ 96,182 139,510 163,260 183,667 183,667
@& s'n sd{rf/L ;+Vof 1,120 1,654 1,744 1961 1,980
@* zfvf ;+Vof ;+Vof 110 160 181 201 201
@( Pl6Pd ;+Vof ;+Vof 103 133 137 138 141
!^ shf{ ckn]vgM
a}+sn] ?=& s/f]8 ^! Nffv a/fa/sf] shf{ tyf ;fkl6 -Aofh afx]s_ cGtu{t ckn]vg u/]sf] 5 M
qm+=;+= u|fxsx?sf] gfd ;'ljwf ldlt /sd
! sG;]K6 OG6/g]zgn cf]e/8«f6 shf{ 05/01/23 1,159,206
@ O:6 6«feN;\ g]kfn k|f=nL= cf]e/8«f6 shf{ ÷ l8df08 shf{ 05 /01/23 9,962,331
# dfF ;~hLegL 6«]8;{ cf]e/8«f6 shf{ 05 /01/23 217,429
$ dgdfofF ls/fgf k;n cf]e/8«f6 shf{{ 05 /01/23 867,928
% kf}8]n 6«]8;{ cf]e/8«f6 shf{{ 05 /01/23 5,917,211
^ ;+uLtf xf8{jo/ 6«]8;{ cf]e/8«f6 shf{ 05 /01/23 2,300,624
& ;/Ltf >]i7 c6f] shf{ 05 /01/23 648,428
* l;g]; ;Knfo;{ cf]e/8«f6 shf{ ÷ rfn' k'hL shf{ 05 /01/23 2,536,619
( l;lå ;fO{ k|fsfz sG:6«S;g k|f=nL= cf]e/8«f6 shf{ ÷ l8df08 shf{ 09 /07/23 16,110,686
!) ;'lgtf ;Knfo;{ cf]e/8«f6 shf{ ÷ l8df08 shf{ 09 /07/23 3,518,691
!! P;=Pg=aL= 6«]8;{ k|f=nL cf]e/8«f6 shf{ ÷ cfjlws shf{ 09 /07/23 2,294,822
!@ wgGho 6«]8;{ P08 ;Knfo;{ cf]e/8«f6 shf{ ÷ l8df08 shf{ 09 /07/23 1,426,825
!# dxfnIdL xf8{jo/ P08 ;Knfo;{ cf]e/8«f6 shf{ ÷ l8df08 shf{ 09 /07/23 5,317,847
!$ lala;f xf8{jo/ P08 ;Knfo;{ cf]e/8«f6 shf{ ÷ l8df08 shf{ 09 /07/23 7,454,057
!% ;lsgf vft'g xhfd s[lif shf{ 09 /07/23 211,131
!^ d]3f OG6/g]zgn 6'/ P08 6«fen;{ k|f=nL= cf]e/8«f6 shf{ ÷ l8df08 shf{ 09 /07/23 426,731
!& afa'/fd clwsf/L c6f] shf{ 10 /07/23 1,126,654
!* e'kb]j s6'jfn c6f] shf{ 10 /07/23 1,599,074
!( RfGrn b]jsf]6f c6f] shf{ 10 /07/23 2,177,350
@) lblnk s'df/ s0f{ c6f] shf{ 10 /07/23 1,444,456
@! n;L 6fo/ l/;f]nLª ;]G6/ k|f=nL= c6f] shf{ 10 /07/23 3,350,729
@@ ?b| jxfb'/ a:g]t 3/ shf{ 10 /07/23 6,079,269
!& cGo ;DklQ ckn]vg M

a}+sn] o; cf=j= df s'g} klg cGo ;DklQ ckn]vg u/]sf] 5}g .
!* lgIf]k bfloTjdf ePsf kl/jt{gsf] ljj/0f

lgIf]k bfloTjdf ePsf kl/jt{gsf] ljj/0f lgDgfg'zf/ /x]sf] 5 M /sd ?= bznfvdf
lj/j0f cf= j= @)&(÷@)*) cf= j= @)&*÷@)&( j[l4 -sdL+_
d'2lt lgIf]k 127,492 114,351 13,141
dfu]sf jvtdf ltg'kg]{ lgIf]k 14,466 10,589 3,877
rNtL lgIf]k 12,981 10,566 2,415

art lgIf]k 55,256 47,074 8,183
cGo 2,847 3,821 -974
hDdf 213,042 186,400 26,642

!( clws]lGb|t hf]lvdsf] ;f/f+z
s_ clws]lGb|t lgIf]k !
bz 7"nf lgIf]kstf{x?af6 s'n lgIf]k 14,814,903,379 12,997,400,000
s'n lgIf]kdf bz 7"nf ;fx'sf] lgIf]k k|ltzt 6.95% 6.97%
v_ clws]lGb|t shf{
aL; 7"nf C0fLx?sf] exposure
;d"xut ;DalGwt kIf 29,507,138,547 24,458,844,459
JolQmut u|fxssf] cfwf/df 23,299,951,191 20,680,169,751
s'n C0f tyf ;fk6Ldf aL; 7"nf C0fLsf] exposure k|ltztdf

;d"xut -;DalGwt kIf_ 14.94% 13.43%
JolQmut u|fxssf] cfwf/df 11.80% 11.36%
u_ clws]lGb|t lgIf]k @
aL; 7"nf u|fxsx?sf] s'n lgIf]k
;d"xut 41,378,283,735 43,546,641,261
JolQmut u|fxssf] cfwf/df 41,378,283,735 43,546,641,261
s'n lgIf]ksf] aL; 7"nf lgIf]kstf{x?sf] k|ltztdf

;d"xut 19.42% 23.36%
JolQmut u|fxssf] cfwf/df 19.42% 23.36%
@) Ph]G;L vftf
a}+ssf] cGo zfvf gePsf] tyf cGt/ a}+s lx;fa ldnfg lgDgfg';f/ /x]sf] 5 M
ljj/0f ≤ ! jif{ ≥ ! jif{ ≤ # jif{ ≥ # jif{ hDDff /sd -?=_
Ph]G;L lx;fa #!!,@^),##! $*%,&!* !&$,@^) #!!,(@),#)(
cGt/ zfvf — — — —
@! Aofhsf] kF"hLs/0f
g]kfn /fi6« a}+sn] /fli6«o k|fyldstf If]q cGtu{tsf] shf{ eg]/ :jLs[t u/]sf] !! j6f kl/of]hgfnfO{ k|jfx ul/Psf] shf{ tyf
;fk6df df]/f6f]l/od cjlwdf kfs]sf] AofhnfO{ k'FhLs[t u/L ?=#* s/f]8 $^ nfv o; cf= j= df Aofh cfDbfgL hgfO{Psf] 5 .
s|=;= C0fLsf] gfd k'FhLs[t u/LPsf] Aofh ?= /fi6« a}+saf6 :jLs[t ldlt
1 lxN6g xfO8«f] OghL{ ln= 10,929,665 2079.04.12
2 sfa]nL xfO8«f]kfj/ sDkgL nL= 6,866,445 As per NRB Circular

3 :gf] l/e/ nL= 13,859,173 2079.04.12
4 dbfdL vf]nf xfO8«f]kfj/ nL 7,414,882 As per NRB Circular

5 l;p/L GofbL kfj/ nL= 15,996,328 2079.09.25
6 lkkN; OghL{ ln= 8,387,528 2079.09.28
7 ;flgdf ld8n tdf]/ xfO8«f]kfj/ nL 73,873,200 2077.03.31
8 lehg n'lDjgL phf{ sDkgL kJnLs nL= 147,749,547 2078.12.20
9 Jf/fxL ;]8L nL= 62,618,815 2079.09.25
10 n:6 xf]/fOhg k|f=nL= 31,100,169 2079.09.29
11 aGbLk'/ s]jnsf/ nL= 5,884,823 2079.02.05
s"n 384,680,576

@@ e'QmfgL cjlwsf] cfwf/df ;DklQ bfloTjsf] juL{s/0f M ?=bznfvdf
! b]lv (! b]lv !*! b]lv @&! lbg
ljj/0f ! jif{ dfly hDdf
() lbg !*) lbg @&) lbg #^% lbg
s_ ;DklQ
! gub df}Hbft 4,839 - - - - 4,839
@ a}+s df}Hbft 15,017 - - - - 15,017
# ljb]zL a}+sdf ul/Psf] nufgL 4,853 750 - - - 5,603
$ sn dgL - - - - - -
% >L g]kfn ;/sf/sf] C0fkq 10,826 3,071 2,999 2,249 17,542 36,685
^ g]kfn /fi6« a}+ssf] a08;\ - - - - - -
& cGt/ a}+s shf{ 2,200 - - - - 2,200
* shf{ ;fk6 tyf lan vl/b 50,290 21,724 10,898 5,205 109,349 197,466
( Kffpg' kg]{ Aofh 356 - - - - 356
!) l/e{; l/kf] - - - - - -
!! k|ltj4tf cGt{ut cGo ;+:yfx?af6 k|fKt x'g] - - - - - -
!@ qm=;+= @), @! / @@ sf ;'ljwfx?sf] e'QmfgL 34,260 12,993 6,569 5,220 18,602 77,645
!# cGo - - - - - -
s'n ;DklQ 122,642 38,537 20,466 12,674 145,492 339,811
v_ bfloTj
!$ rNtL lgIf]k 14,197 - - - - 14,197
!% art lgIf]k-dfu]sf] jvtdf kfO{g] lgIf]k ;lxt_ 16,510 2,044 2,044 2,157 46,968 69,722
!^ d'2tL lgIf]k 39,989 27,274 16,456 16,271 27,429 127,420
!& C0fkqx? - - - - 11,912 11,912
!* ;fk6L - - 1,315 1,029 12,471 14,815
!( Dffu÷cNk ;"rgf - -
@) cGt/ a}+s÷ljlQo ;+:yf - - 1,315 1,029 12,471 14,815
@! k'g/shf{ - - - - - -
@@ cGo - - - - - -
@# cGo bfloTj tyf Joj:yfx? 1,058 51 51 51 2,148 3,360
@$ ;08«L s]|l86;{ 223 - - - - 223
@% e'QmfgL lbg' kg]{ aLn 25 - - - - 25
@^ e'QmfgL lbg' kg]{ Aofh 756 - - - - 756
@& Joj:yfx? 4 - - - 650 653
@* cGo 51 51 51 51 1,498 1,703
@( k|lta4tf cGt{ut cGo ;+:yfx?nfO{ lbg'kg]{ 1,621 222 151 8 - 2,002
#) pkef]u eO{g;s]sf] :jLs[lt ;'ljwfx? 12,880 - - - - 12,880
#! k|ltkq÷hdfgt -v"b_ 19,759 12,771 6,419 5,212 18,602 62,762
#@ l/kf] - - - - - -
## qmd ;+Vof !! cGt{utsf] ;'ljwf e'QmfgL - - - - - -
#$ cGo -
s'n bfloTj 106,014 42,362 26,436 24,729 119,529 319,070
v'b ljQLo ;DklQ 16,628 (3,825) (5,970) (12,055) 25,963 20,741
;+lrt v'b ljQLo ;DklQ 16,628 12,803 6,833 (5,222) 20,741 -

@# a}+sn] cfkm\gf] ;DklQsf] hdfgLdf lnPsf] shf{
cfgf] ;DklQsf] hdfgLdf a}+sn] cf=j @)*) df s'g} C0f lnPsf] 5}g .
@$ ax'd"No wft'sf] sf/f]af/

cfk"lt{stf{;+u ePsf] Joj:yf cg'?k a}+sn] cfk"lt{stf{sf] tkm{af6 df}Hbft /flv Consignment basis df ax'd"No wft'sf]-;'g,
rfFbL_ sf/f]af/ ug]{ u/]sf] 5 . jf;nftsf] ldltdf Consignment cGtu{t s'g} /sd g/x]sf] / o;nfO{ cg';"rL $=!^df
æ;'g dfs{ ckÆ lzif{sdf b]vfOPsf] 5 . g]kfn /fi6« a}+ssf] lgb]{zg cg';f/ ax'd"No wft'sf] -;'g,rfFbL_ sf/f]af/ ug]{u/]sf]
5 . jf;nftsf] ldltdf ;'gsf] sf/f]af/sf] nflu k|bfg ul/Psf] s'g} k]ZsL /x]sf] 5}g . o;nfO{ cg';'rL $=!^ df æclu|d e'QmfgLÆ
lzif{sdf b]vfOPsf] 5 .
@% k"FhLut lgdf{0f
o; cfly{s jif{sf] cGtdf s'g}klg k"FhLut lgdf{0f /x]sf] 5}g .
@^ shf{sf] k|ef/
a+}sn] jf;nft leqsf] C0f nufgLdf ;Defljt shf{ hf]lvd jfkt Joj:yf u/]sf] 5 . Psn ?kdf dxTjk"0f{ dflgPsf] C0fx?
-zLif{ %) kmfOnx?, g]kfn /fi6« a}+ssf] lgb]{zg adf]lhd %)∞ / !))∞ hflvd Joj:yf ul/Psf kmfOnx? / ljz]if ;DklQ
Joj:yfkg ljefu cGtu{tsf kmfO{nx? Rfog ul/Psf]_ nfO{ Psn k|ef/sf] ?kdf xfgL gf]S;fgLsf] ;°]tsf] nflu j:t'ut
cfFsng ul/G5 . a+}sn] d"n cg'a+wLo zt{x? adf]lhd ;a} /sd p7fpg g;s]sf] lgwf{l/t ePdf To:tf] C0f IfL0f ePsf]
dflgG5 . Psn ?kdf dxTjk"0f{ dflgPsf] C0fsf] qm]l86 PS;kf]h/nfO{ ljleGg sf/sx?af6 d"Nof°g ul/G5 h:t} C0fsf]
;du| ljQLo cj:yf ;|f]tx?, e'QmfgL /]s8{ / hxfF nfu' x'G5 ToxfF lwtf]sf] ljlqmaf6 k|fKTf x'g] d"No . olb s'g} C0fdf k|ef/sf]
k|df0f km]nf k/]df To:tf] k|ef/sf] Joj:yf ug{ C0faf6 lng] /sd -kfs]sf] Aofh ;lxt_ To;af6 p7\g] cg'dflgt /sd eGbf
hlt sd x'G5 ;f]xL /sd shf{ hf]lvd cGt{ut Joj:yf ul/G5 . eljiodf x'g] cg'dflgt gub k|jfxnfO{ -lwtf]sf] lg;u{ ubf{
nfu]sf] nfut s§f u/L k|fKt ePsf] cg'dflgt /sd_ d"n k|efjsf/L Aofhb/n] l8:sfpG6 ubf{ cfpg] jt{dfg d"Nodf cg'dflgt
/sd dflgG5 . Psn ?kdf dxTjk"0f{ gePsf] cyjf Psn ?kdf k|ef/sf] nflu d"Nof°g ePklg xfgL gf]S;fgLsf] j:t'ut k|df0f
gePsf] C0f nufgLnfO{ ;dfg k|sf/sf hf]lvd ljz]iftf -C0f k|sf/÷ljutsf] e'QmgLsf] /]s8{ h:tf sf/s dfgL_sf] cfwf/df
;fd"lxs k|ef/sf] nflu d"Nof°g ul/G5 . o;sf] nflu a}+sn] cf]e/8«fkm|6 nf]g, Rffn' k"FhL shf{, cfjlBs shf{ / l/6]n EMI
u/L rf/j6f juL{s/0f u/]sf] 5 . ;fd'lxs gf]S;fgL Joj:yf ljutsf] l8kmN6sf] ;Defjgf, ljuts} l8kmN6sf] jf:tljs gf]S;fgL
/ l8kmN6 xF'bfsf] PS;kf]h/nfO{ ;ldIff u/L lgwf{/0f ul/Psf] 5 .
g]kfn rf6{8{ PsfpG6]G6 ;+:yf (ICAN) af6 hf/L ul/Psf] carve-out cg';f/ x'g cfpg] shf{ tyf ;fk6Lsf] k|ef/sf] /sd ?M
Psn k|ef/ Joj:yf 2,700,382,303 1,813,822,014
;fd"lxs k|ef/ Joj:yf 287,240,790 384,690,196
hDdf 2,987,623,093 2,198,512,210
k|ef/sf] dfkgsf] nflu k|of]u ul/Psf] Loss given Default Status (LGD) M
cf]e/8«f6 nf]g 18% 14%
cfjlBs shf{ 9% 7%
l/6]n EMI 16% 11%
Rffn' k"Flh shf{ 10% 7%
@& NFRS sf carve –out x?

n]vfdfg af]8{ g]kfnn] l;kmfl/; u/] adf]lhd g]kfn rf6{8{ PsfpG6]G6 ;+:yf (ICAN) n] NFRS sfof{Gjog ug{sf nflu tn
pNn]v ul/Psf carve- out x? hf/L u/]sf] 5 . ;fy} j}slNks Joj:yfx?sf] ;d]t k|fjwfg u/]sf] 5 .
-s_ shf{ tyf ;fk6Lsf] k|ef/
a}+s tyf ljQLo ;+:yf ;DaGwL P]g, @)&# cGtu{t btf{ ePsf a}+s tyf ljQLo ;+:yfx?nfO{ of] ljsNk k|bfg ul/Psf] 5 . oL
;+:yfx?nfO{ ljQLo ;Dklt -shf{ tyf ;fk6L_ sf] Impairments loss u0fgf ubf{ "Incurred loss model" k|of]u ug'{ gkg]{ ljsNk
lbO{Psf] 5 . oL ;+:yfx?n] tn dWo] h'g a9L x'G5 ToxLaf6 "Impairment loss" u0fgf ug'{kb{5 .
– g]kfn /fi6« a}+sn] tf]s]sf] adf]lhd x'g cfpg] ;Defljt gf]S;fgL Joj:yf /sd .
– Carve Out Para 5 df j0f{g ul/P cg';f/ Incurred loss model k|of]u u/L x'g cfpg] /sd
of] ljsNk clgjfo{ /x]sf]n] ;d'xn] o;nfO{ dflysf] Joj:yf cgu{t g} b]vfPsf] 5 .

s_ Carve Out Para 5 cg';f/ x'g cfpg] shf{ tyf ;fk6Lsf]
2,987,623,093 2,198,512,210
k|ef/ /sd
v_ g]kfn /fi6« a}+sn] tf]s]sf] adf]lhd x'g cfpg] ;Defljt
6,158,291,859 4,703,121,289
gf]S;fgL Joj:yf /sd
s / v dWosf] clwStd 6,158,291,859 4,703,121,289
-v_ g]kfn ljQLo k|ltj]bg dfg (M ljQLo pks/0fx? (Financial Instrument)

k|efjsf/L Aofhb/ (Effective interest rate) ljQLo ;DklQ jf bfloTjsf] cjlw leq eljiodf x'g] gub e'QmfgL jf gub
k|jfxx¿nfO{ l8:sfpG6LË (Discounting) ubf{ Tof] ljQLo ;DklQ jf bfloTjsf] lstfaL d"No (carrying value) a/fa/ k|ltljlDat
ug]{ b/ xf] . k|efjsf/L Aofhb/ ljQLo pks/0fsf] ;a} zt{x? ljZn]if0f u/L eljiodf x'g] gub k|jfxsf] cg'dfg u/L / eljiodf
x'g] gf]S;fgLsf] cg'dfg gu/L u0fgf ul/G5 . k|efjsf/L Aofh b/sf] cleGg c+u ePsf ;Demf}tfsf kIfx¿ aLr ljZj;gLo ¿kdf
lgwf{/0f ug{ cJofjxfl/s geP;Dd e'QmfgL jf k|fKt ePsf ;a} z'Nsx¿ / /sdx¿ ;dfj]z x'G5g . a}+sn] k|efjsf/L Aofhb/
;DaGwL sfe{ cfp6 nfu' u/]sf] 5 .
@* Jofkf/ ;+of]hg — VoftL (Goodwill on Business Combination)

;fljssf] s~rg 8]enKd]G6 a}+ssf] k|fKtLaf6 ;[hLt ¿=& s/f]8 @* nfvsf] VoftL ut cf=j af6 c=Nof= u/L OlSj6L cGt{ut
cGo sf]ifdf k|s6g ul/Psf] 5 . VoftLnfO{ k|To]s l/kf]l6{ª cjlwdf jf xflgsf] ;|f]t x'Fbf k|ef/sf] j:t'ut d"Nof°g ul/G5 .
VoftLsf] cgGt hLjgsf] (infinite life) d"Nof°g k|To]s l/kf]l6{ª cjlwsf] cGTodf cgGt hLjg (infinite life) ;dy{gof]Uo 5 ls
5}g eg]/ lgwf{/0f ug{ ;dLIff ul/G5 . ;fljssf] s~rg 8]enKd]G6 a}+ssf] k|fKtLaf6 ;[hLt VoftLsf] k|ef/sf]] d"Nof°g ul/Psf]
5 / k|ltj]bg cjlwsf] cGTodf To:tf] k|ef/sf]] ;+s]t b]lvPsf] 5}g .
@( hf]lvd Joj:yfkg
hf]lvd Joj:yfkg ;+/rgf
hf]lvd Joj:yfkg /0fgLlt to ug]{ pko'Qm hf]lvd u|x0f ug{ ;Sg] pko'Qm Ifdtf lgwf{/0f ug]{ tyf hf]lvd Joj:yfkg gLlt
/ k|lqmofx?sf] k|efjsf/L sfof{Gjog lglZrt ug]{ d'Vo clwsf/ o; a}+ssf] ;~rfns ;ldltdf lglxt 5 . ;~rfns ;ldlt
cGtu{t hf]lvd Joj:yfkg ;ldlt, n]vfk/LIf0f ;ldlt, dfgj ;+;fwg ;ldlt, ;DklQ z'4Ls/0f lgjf/0f ;ldltÙ ;DklQ bfloTj
;ldlt, shf{ hf]lvd Joj:yfkg ;ldlt, ;+rfng hf]lvd Joj:yfkg ;ldlt, kof{j/0f tyf ;fdflhs ;ldlt, shf{c;'nL
;ldlt, ;+:yfut ;"rgf ;'/Iff ;ldlt, d"No lgwf{/0f ;ldlt, ;+:yfut ;'zf;g ;ldlt, h:tf ;ldltx? Dffkm{t a}+sn] alnof]
hf]lvd Joj:yfkg k|0ffnL :yfkgf u/]sf] 5 . oL Joj:yfkg cGtu{t ;ldltx? Dffkm{t gofF÷;+zf]lwt gLlt tyf k|lqmof,
hf]lvd Joj:yfkgsf k|ltj]bgx?, kf]6{kmf]lnof] ljZn]if0f, Stress Testing, nufgL, t/ntf, k"FhLsf]if cg'kft, Afhf/ ljZn]if0f /
cGo dxTjk"0f{ hf]lvd;Fu ;DalGwt ;d:ofx?nfO{ hf]lvd Joj:yfkg ;ldltdf ;ldIff / lg0f{osf nflu k]z ul/G5 . a}+ssf]
Organogram df hf]lvd Joj:yfkg ;+/rgfM

Board of Directors
Risk Management HR Service ALP Committee Audit Committee

Committee (RMC) Committee (RMC)
Chief Audit Officer
Chief Executive Internal Audit

Officer (CEO)
Assets & Liability
Chief Risk Chief Policy Committee
Officer (CRO)
Operation Risk
Management Committee
Pricing Committee
Risk Operation Market Risk
Management Risk/Reconciliation
Credit Risk
Special Assets Management Committee
Management
Corporate Governance
Information Committee
Security
Corporate Information
Security Committee
Credit Control
Legal & Compliance
E&S
Market Risk & E & S Governance

Analysis Committee
a}+ssf] hf]lvd Joj:yfkg k|0ffnL / ;+/rgf lgDg l;4fGtx¿åf/f ;+rflnt 5g\M

l :jtGq e"ldsfM a}+ssf] hf]lvd Joj:yfkg sfo{ hf]lvd lng] JolQmaf6 :jtGq 5 . ;a} hf]lvd;+u k|ToIf ;DalGwt PsfO{x¿n]
Chief Risk Officer(CRO) nfO{ l/kf]6{ u5{g\ h;n] k|ToIf ¿kdf af]8{ :t/df hf]lvd Joj:yfkg ;ldltnfO{ l/kf]6{ ub{5g\ .
l hf]lvd dfkgM a}+sn] ljleGg hf]lvd d'2fx¿nfO{ dfqfTds ¿kdf Quantitatively dfkg ug{ k|fyldstf lbPsf] 5 / ;Dej eP;Dd
ltgsf] Go"gLs/0f, lgoGq0f / cg'udgsf] Joj:yf u/]sf] 5 . oL hf]lvdx¿nfO{ dfqfTds ¿kdf dfkg ug{, a}+sn] Risk Register,
qm]l86 u|]l8ª, cflb h:tf gofF pks/0f / df]8]nx¿ nfu" u/]sf] 5 .
l ;femf pQ/bfloTjsf ¿kdf hf]lvd Joj:yfkgM a}+s;Fu ljleGg hf]lvd Joj:yfkgsf nflu :jtGq PsfO{x? 5g\ . h'g hf]lvd
Joj:yfkg PsfO{x¿ / a}+ssf ljleGg Joj;flos PsfO{x¿sf] ;femf lhDd]jf/Laf6 ;+rflnt 5 .
hf]lvd Joj:yfkg 9fFrfn] three lines of defence ;+/rgf ckgfPsf] 5 h;df tLgj6f 5'§} ljefux¿ ;dfj]z 5GfM
– d'Vo Joj;fo PsfO{
– hf]lvd Joj:yfkg ljefu÷ lgoGq0f PsfO{x¿ /
– cfGtl/s n]vfk/LIf0f
k|To]s txsf lhDd]jf/Lx¿ /fd|/L kl/eflift u/L ljleGg txx¿df ;Dk|]if0f ul/Psf] 5 .
l hf]lvd Joj:yfkg ;+/rgf
a}+s;Fu o;sf] cuf{gf]u|fddf l/kf]l6{ª nfOgsf] :ki6 ;Ldf°g;lxt pko'Qm hf]lvd Joj:yfkg ;+/rgf 5 . hf]lvd Joj:yfkgdf
a}+s leqsf ljleGg PsfOx¿sf] e"ldsf, bfloTj / hjfkmb]lxtf :yfkgf ug{ of] cfjZos ePsf] 5 . a}+ssf] hf]lvd Joj:yfkg
;+/rgfsf] kl/sNkgf ub}{ hf]lvd Joj:yfkgdf ;~rfns ;ldltsf] e"ldsf a9L k|efjsf/L ePsf] 5 .
l lg/Gt/ ;'wf/M ljBdfg hf]lvd Joj:yfkg k|0ffnLnfO{ ;'b[9 agfpg a}+s ;w}F pGd'v /x]sf] 5 . o; ;Gbe{df, a}+sn] xfn} ISO
27001:2013 dfgs nfu" u/]sf] 5 . o;n] ;"rgf ;'/Iff Joj:yfkg k|0ffnLdf pNn]Vo ;'wf/ ug{'sf ;fy} ljleGg kIfaf6 hf]lvd
Joj:yfkg k|0ffnLnfO{ ;xof]u ug]{ ck]Iff ul/Psf] 5 .
;fy}, a}+sn] Unf]an PnfoG; km/ a}+lsª cg Eofn'h (GABV) sf] Ps ;lqmo ;b:osf] ¿kdf JolQmx¿nfO{ pgLx¿sf]
cfjZostfx¿ k"/f ug{ / alnof] ;d'bfox¿ lgdf{0f ug{ d2t ug{df s]lGb«t /xL lbuf] cfly{s, ;fdflhs / jftfj/0fLo ljsf;
k|bfg ug{ k|of; ub{5 .

a}+sdf shf{ hf]lvd Joj:yfkg
shf{ hf]lvd eg]sf] shf{ ;Demf}tfdf pNn]v ePsf zt{x?sf] kfngf ug{ g;Sbf l;h{gf x'g] ;+efljt gf]S;fgLnfO{
hgfpF5 . shf{ gLlt, shf{ hf]lvd Joj:yfkg ;+/rgf, shf{ k|lqmof lgodfjnL, Product paper x? / cGo shf{;+u ;DalGwt
sfuhftx?n] shf{ k|0ffnLdf ljleGg ljefu÷zfvfx?df / Risk Taker x?sf] :ki6 e"ldsf / lhDd]jf/Lx¿ kl/eflift u/]/ a}+sdf
alnof] shf{ hf]lvd Joj:yfkg jftfj/0f agfpg d2t k'¥ofpF5 . a}+sdf k|efjsf/L shf{ hf]lvd Joj:yfkg ug{ Credit Standard
/ Guideline lj:tf/ u/]sf] 5 . a}+sn] ljleGg clwsf/Lx¿nfO{ pgLx¿sf] JolQmut ljz]if1tf / hf]lvd lg0f{o Ifdtfsf] cfwf/
df ljleGg /sdsf] shf{ :jLs[lt ;Ldf k|Tofof]hg u/]sf] 5 . a}+sdf k|efjsf/L C0f hf]lvd Joj:yfkg ;'lglZrt ug{ lhDd]jf/
k|d'v :jtGq PsfOx¿sf ?kdf shf{ hf]lvd Joj:yfkg ljefu, shf{ k|zf;g ljefu,lgoGq0f ljefu, ljz]if ;DklQ Joj:yfkg
ljefu, ljleGg Joj;flos ljefux? / cfGtl/s n]vfk/LIf0f ljefu /x]sf 5g\ .
shf{ ;'ljwf k|bfg ug'{ cufj} C0fLsf] tyf C0fLsf] Joj;fosf] lj:t[t ljZn]if0f ug]{ ul/G5 . C0fLnfO{ jlu{s/0f ug]{ cfGtl/s shf{
hf]lvd d"Nof+sg ug]{ k|lqmof /x]sf] 5 . u|fxssf] plrt cfly{s cfjZostf tyf u|fxssf] ;dod} C0f r'Qmf ug]{ Ifdtfsf] cfwf/df
C0f k|jfx ug]{ ul/G5 . Credit Risk Management Committee (CRMC) / Risk Management Committee (RMC) n] a}+ssf] C0f hf]lvd
Joj:yfkgdf lg0ff{os e"ldsf v]Nb5 . ljBdfg÷;Defljt shf{ hf]lvd d'2fx¿sf] ;dLIff ul/G5, To:tf hf]lvdx¿nfO{ sd ug{ shf{
k|0ffnLdf cfjZos kl/jt{gx¿ klxrfg ul/G5 / pko'Qm ¿kdf cfjZos lg0f{ox¿ ul/G5 . Concentration Risk Joj:yfkg ug{ /
shf{ Portfolio sf] u'0f:t/ dfkg ug{ a}+sn] Product / pBf]u÷If]qsf cfwf/df lg:s[o shf{sf] lgu/fgL ug]{ ub{5 . oL lgu/fgLx? shf{
hf]lvd Joj:yfkg ;ldlt tyf hf]lvd Joj:yfkg ;ldltdf q}dfl;s ?kdf ug]{ ul/G5 .
a}+sdf ;+rfng tyf ahf/ hf]lvd Joj:yfkg
g]kfnL a}+sx?sf nflu ;+rfng tyf ahf/ hf]lvd gofF r'gf}tLsf] ?kdf k|s6 ePsf 5g\ . ahf/df cl:y/tf / t/ntf
36a9 ePsf] ;dodf a}+s rgfvf] eO{ a:g' cfjZos 5 . hf]lvdnfO{ Go"gLs/0f ug{ x/]s hf]lvdx?nfO{ glhsaf6 cg'udg
ug'{ cfjZos 5 . xfn;Dd o; a}+sdf % j6f lasf; a}+sx? / Pp6f kmfO{gfG; sDkgL dh{÷k|fKtL eO{ PgPdla a}+s ag]sf]
5 . a}+sn] ;]jf lj:tf/sf nflu l8lh6fOh];g / k|fljlws ljsf;sf] ;xof]u lnPsf] 5 .
nfe / hf]lvdsf] ;dfgtf ;'lglZrt ug{ Basel III n] tf]s]sf ljlwx? ckgfO{ hf]lvd Joj:yfkg ug]{ u/]sf] 5 . a}+ssf] goldt
Joj;fo ug]{ qmddf ;Defljt gs/fTds k|efj kfg]{ vfnsf ljleGg k|sf/sf hf]lvdx? ;fdfgf ug{ :jefljs xf] . o; a}+ssf]
hf]lvd Joj:yfkg ljlwdf hf]lvd klxrfg–dfkg / d"Nof+sg kb{5 / oL ljlwx?n] ubf{ ljQLo kl/0ffd / k"FhLdf gs/fTds
k|efj kfg{af6 hf]ufpg] ub{5 .
;DklQ tyf bfloTj Joj:yfkg (ALCO) ;ldltn] a}+ssf] ;du| ;DklQ / bfloTj l:ylt Joj:yfkg
ub{5 . o;n] ;DklQ / bfloTjsf] l:ylt, nufgL / t/ntfnfO{ g]kfn /fi6« a}+ssf] lgb]{zgx¿sf] cg'kfngdf pko{'Qm :t/df
sfod /flvPsf] ;'lglZrt ub{5 . 6«]h/L, ahf/ hf]lvd / ljQ ljefux¿n] Stress Testing, GAP Analysis / ljleGg l/kf]6{x¿
tof/ u/L slDtdf dfl;s cfwf/df hf]lvd cg'udg ul/G5 .
ahf/ hf]lvd cGt{ut Aofhb/ hf]lvd / ljb]zL ljlgdo hf]lvd kg]{ ub{5g\ . Aofhb/sf] kl/jt{gn] ubf{ ljQLo kl/0ffd
/ k"FhLdf x'g] gs/fTds k|efjsf] hf]lvdnfO{ Aofhb/ hf]lvd elgG5 . a}+ssf] k|fo Product x? kl/jt{gLo Aofhb/df
/x]sf x'G5g\ . d'2tL lgIf]k dfq l:y/ Aofhb/df /x]sf] x'G5 . ;fdfGotf g]kfnL ahf/df w]/} 5f]6f] ;dodf Aofhb/ kl/jt{g x'g]
ub}{g . Aofhb/ lgwf{/0f ;ldltn] Aofhb/sf] kl/jt{gnfO{ lgoldt ?kdf lgu/fgL /fVg] ub{5 .
ljlgdo b/sf] kl/jt{gn] ubf{ ljQLo kl/0ffd / k"FhLdf x'g] gs/fTds k|efjsf] hf]lvdnfO{ ljb]zL ljlgdo hf]lvd elgG5 .
u|fxsx?sf] lglDt ljk|]ë0f / Jofkf/ n]gb]gsf] cfwf/df sf/f]af/ ug]{ ul/Psf] x'gfn] ljb]zL ljlgdo hf]lvd Go"gtd /xg] u/]sf] 5 .
sd{rf/Lx?sf] sfddf cg'ejsf] sld, ckof{Kt cfGtl/s lgoGq0f, ;"rgf tyf cGo k|0ffnLsf] ckof{Kt Joj:yfkg / ckl/xfo{
jfx\o 36gfx?n] lgDTofpg] ljQLo kl/0ffd / k"FhLdf gs/fTds k|efjsf] hf]lvdnfO{ ;+rfng hf]lvd eGg] ul/G5 . ;+rfng
hf]lvdnfO{ lgu/fgL ug{ o; a}+sdf Ps :jtGq ljefu u7g ul/Psf] 5 . ;Defljt ;+rfng hf]lvd lgoGq0f ug{ dfl;s ?kdf
;+rfng hf]lvd Joj:yfkg ;ldltsf] a}7s a:g] ub{5 . ;Defljt ;+rfng hf]lvd klxrfg ug{ Minimum Control Standards, Incident
Reporting Guidelines / Whistle Blowing Policy ljsf; u/L ;f]sf] kfngf ub}{ cfPsf] 5 . x/]s 36gf÷sf/0fsf] hf]lvd bhf{ dfkg
u/L ;+rfng hf]lvd ljefun] ;+rfng hf]lvd Joj:yfkg ;ldltdf 5nkmn u/L pko'Qm lgoGq0fsf] ljsf; ug{sf] nflu lg0f{o
ug]{ ub{5 . o:tf 5nkmn÷lg0f{ox? Hff]lvd Joj:yfkg ;ldlt / ;~rfns ;ldltdf ;d]t cfjZostf cg';f/ k|:t't ug]{
ul/G5 . o; ;Fu;Fu} ;+rfng hf]lvd ljefun] ljefu÷zfvfx?sf] lgu/fgL tyf tL ljefu÷zfvfx?nfO{ ;+rfng hf]lvdnfO{
Go"gLs/0f ug{ k|lzIf0f lbg] sfd ;d]t ub{5 .
t/ntf hf]lvd
cfgf] axg ug'{kg]{ bfloTjx?nfO{ axg ug{ kof{Kt ljQLo t/n >f]tx? g/xg] ;Defljt l:yltnfO{ t/ntf hf]lvd eGg]
ul/G5 . o:tf] ;dodf a}+snfO{ cToflws d"Nodf dfq ljQLo >f]tx?sf] kx'Fr x'g] ub{5 . t/ntf hf]lvdsf] Joj:yfkg t/ntf
hf]lvd 9fFrfn] (Liquidity Risk Framework) ug]{ ub{5 tyf o;sf] Joj:yfkg ;DklQ tyf bfloTj Joj:yfkg ;ldltn] ub{5 .
oL gLltx?sf cfwf/df a}+sn] Marketable Securities x?sf] t/n kf]6{kmf]lnof] ;'/lIft /fv]sf] x'G5 .
jftfj/0fLo / ;fdflhs hf]lvd
jftfj/0fLo / ;fdflhs Joj:yfkg PgPdaL a}+ssf] zLif{ k|fyldstfx¿ dWo] Ps xf] h;n] pQ/bfoL a}+lsª tkm{ cfgf]
;+sNknfO{ hf]8 lbG5 / ;fy} lbuf] a}+lsªsf] cfgf] Jofkfl/s p2]ZonfO{ k"/s agfpF5 .

a}+sn] cGt/f{li6«o dfkb08sf] jftfj/0fLo tyf ;fdflhs Joj:yfkg k|0ffnL (ESMS) :yfkgf u/]sf] 5 . PgPdaL Environmental
and Social (E&S) due diligence df IFC Performance standards kfngf ug]{ g]kfnsf] klxnf] a}+s xf] . a}+sn] k|efjsf/L
¿kdf E&S hf]lvd d"Nof°g / Joj:yfkgnfO{ o;sf] ;du| Jofkf/ / hf]lvd d"Nof°g k|lqmofx¿sf] dxTjk"0f{ efusf]
¿kdf PsLs[t u/]sf] 5 . a}+sn] E&S Joj:yfkgsf] nflu Ps alnof] cgnfOg k|0ffnL ljsf; u/]sf] 5 h'g a}+ssf]
Joj;flos k|lqmof Joj:yfkg k|0ffnL leq C0f k|zf]wg k|0ffnL;Fu PsLs[t 5 . a}+s;Fu E&S Joj:yfkgsf] nflu ;DalGwt
z}lIfs of]Uotf / cg'ejsf ePsf hgzlQmx? 5g\ h;df o; If]qsf] cfjZos ljz]if1tf xfl;n u/]sf jl/i7 :t/sf
sd{rf/Lx¿ klg ;dfj]z 5g\ . PgPdla a}+s Triple-A rated g]b/n]08 ;/sf/ ;d]tsf] nufgL /x]sf] 8r ljsf; a}+s FMO
sf] ;d]t nufgL /x]sf] a}+s xf] . FMO ;Fu b; eGbf a9L cGt/f{li6«o ljQLo ;+:yfx¿af6 Jofkf/ ;DaGw÷qm]l86 nfOgx¿
5g\, h;n] lj:t[t E&S sfo{ of]hgfx¿sf] ;fy ;fy} E&S Joj:yfkgdf lg/Gt/ ;'wf/ ug{ a}+snfO{ ;dy{g ub{5 / o;sf]
;/f]sf/jfnfx¿nfO{ E&S ;DalGwt v'nf;fx¿sf] cGt/f{li6«o dfkb08x¿ ;'lglZrt ub{5 . Climate resilience a}+ssf] p4]Zo tyf
of]hgfsf] Ps efu xf], PgPdaL a}+s b]zsf] Ps dfq a}+s xf] h;n] PCAF standards (Partnership for Carbon Accounting
Financials) sf] cfwf/df cfgf] ljQLo kf]6{kmf]lnof]df @)@@ df sfa{g km'6lk|G6 k|s6Ls/0f u/]sf] 5 .
cGo hf]lvdx?
a}+s cufl8 a9\b} ubf{ k|lti7f hf]lvd, sfg'g / cg'kfng hf]lvd, jftfj/0fLo / ;fdflhs hf]lvd, dfgj ;+;fwg hf]lvd h:tf
cGo hf]lvdx?nfO{ klg Joj:yfkg ub}{ n}hfg' kg]{ x'G5 . sfg'g / cg'kfng Joj:yfkg ug{ a}+s leq Ps cnu ljefu u7g
ul/Psf] 5 . dfgj ;+zfwg;Fu ;DalGwt hf]lvdx? Joj:yfkg ug{ dfgj ;+;fwg ljefu tyf ;~rfns ;ldlt :t/Lo dfgj
;+zfwg ;ldltsf] lhDd]jf/L /x]sf] x'G5 .
cfGtl/s lgoGq0f
nfebfos Joj;fosf cj;/x?sf] kmfObf lng, a}+snfO{ ;Defljt Ifltaf6 hf]ufpg, k|rlnt sfg'g / lgodx?;Fu cg'kfng
;'lglZrt ug{ tyf jfXo 36gfx? k|lt k|lt/f]w a9fpg Joj:yfkg ug'{ kg]{ hf]lvdx?nfO{ Joj:yfkg ug{ o; a}+sdf ;~rfns
;ldlt / Joj:yfkg ;b}j tTk/ /x]sf] 5 . oL sfo{x?nfO{ kfngf ug{ a}+sn] hf]lvd klxrfg, hf]lvd d"Nof+sg / hf]lvd
36fpg pko'Qm gLlt / k|lqmofx? :yfkgf u/]sf] 5 . cfGtl/s lgoGq0fsf] k|efjsf/LtfnfO{ ;'lglZrt ug{ ;~rfns ;ldlt,
hf]lvd Joj:yfkg ;ldlt, Joj:yfkg / cfGtl/s n]vfk/LIf0f ljefun] lgoldt ?kdf ;ldIff u/]sf] 5 . jflif{s of]hgfsf
cfwf/df n]vfk/LIf0f ljefun] cfGtl/s lgoGq0fsf] k|efjsfl/tf tyf gLlt / k|lqmofx? cg'kfngnfO{ lgu/fgL /fVg] ub{5 .
hf]lvddf cfwfl/t d"Nof+sg ljlw (Risk based assessment methodology) n] lgwf{/0f u/]sf] cflws hf]lvd /x]sf] If]qdf cfGtl/s
n]vfk/LIf0fsf] Wofg s]lGb|t /xg] ub{5 . cfGtl/s n]vfk/LIf0fsf] k|ltj]bgx? cfjflws ?kdf n]vfk/LIf0f ;ldltdf k]z ug]{
ul/G5 . tTsfn ;'wf/fTds k|lqmofx? ;'? ug{sf nflu cfGtl/s n]vfk/LIf0f k|ltj]bgdf /x]sf] lg:sif{x?nfO{ k|d'v sfo{sf/L
clws[t, ljefu k|d'vx? tyf zfvf k|d'vx? ;dIf k]z ug{] ul/G5 .
#) ljQLo pks/0fsf] juL{s/0f / km]o/ Eofn'sf] kbfg'qmd

km]o/ Eofn' lgwf{/0f ug{ k|of]u ul/g] dxTjk"0f{ cfutx?sf] lg/LIf0f ug{ ;lsg] cfwf/df Joj:yf /flvPsf] ;DklQ bfloTjnfO{
tLg :t/df juL{s/0f ul/Psf] 5 . dxTjk"0f{ d"Nof°g cfutx?sf] kl/jt{gn] l/kf]{l6Ë cjlwdf km]o/ Eofn' kbfg'qmd leq} Ps
:t/af6 csf]{ :t/df :yfGt/0f x'g ;Sb5 . d'Vo ahf/ (Principle Market) jf d"No lgwf{/0f ljlwdf cfutx?sf] cjnf]sgsf]
:t/df dxTjk"0f{ kl/jt{g ePdf a}+sn] km]o/ Eofn' kbfg'qmddf leq Ps :y/af6 csf]{ :t/df :yfGt/0f l/kf]{l6Ë cjlwsf]
clGtddf ub{5 .
ljQLo pks/0fx?nfO{ lg/Gt/ ?kdf km]o/ Eofn' jf kl/zf]lwt nfutdf dfkg ul/G5 . dxTjk"0f{ n]vf gLltsf ;f/f+zsf] dfkg
km]o/ Eofn' gfkmf÷gf]S;fg ;lxt cGo cfDbfgL / vr{ hgfpg] ljlw pNn]v ul/Psf] 5 .
km]o/ Eofn' dfkgsf] kbfg'qmd tn lbOPsf] 5M
:t/–! km]o/ Eofn' dfkg eGgfn] ;dfg ;DklQ jf bfloTjsf] ;lqmo ahf/df ePsf] c;dfof]lht pb\w[t d"No (Unadjusted).
:t/–@ d"No lgwf{/0f eGgfn] p:t} k|sf/sf] ;fwgsf] d"No ;lqmo ahf/df jf p:t} k|sf/sf] ;fwgsf] pb\w[t d"No lgis[o
ahf/df / cjf]nsgLo dxTjk"0f{ cfutx?sf] k|of]u u/L d"Nof°g ul/Psf] ljlw .
:t/–# To:tf] kf]6{kmf]lnof] h:fsf] d"No d"Nof°gdf slDtdf Pp6f cfutsf] pNn]vgLo e'ldsf /xG5 / o:tf] cfut cjnf]sgLo
ahf/ tyf°af6 k|fKt ug{ ;lsb}g\ .

ljQLo pks/0fx?nfO{ lg/Gt/ ?kdf km]o/ Eofn' jf kl/zf]lwt nfutdf dfkg ul/G5 . dxTjk"0f{ n]vf gLltsf ;f/f+zsf] dfkg
km]o/ Eofn' gfkmf÷gf]S;fg ;lxt cGo cfDbfgL / vr{ hgfpg] ljlw pNn]v ul/Psf] 5 .
km]o/ Eofn' dfkgsf] kbfg'qmd tn lbOPsf] 5M

ljj/0f km]o/ @)*) ;fn cfiff9 d;fGtdf @)&( ;fn cfiff9 d;fGtdf
Eofn'sf] cf=j= @)&(÷*) cf=j= @)&*÷&(
kbfg'qmd Carrying Amount km]o/ Eofn' Carrying Amount km]o/ Eofn'
:t/
FVTPL
cGo Jofkfl/s ;DklQ 3 24,750,000 24,750,000 - -

Jo'TkGg -8]l/e]l6e_ ljQLo ;fwg 1 10,850,079,131 10,850,079,131 5,293,773,328 5,293,773,328
s'n 10,874,829,131 10,874,829,131 5,293,773,328 5,293,773,328
FVTOCI
;'lrs[t z]o/ 1 1,234,329,508 1,234,329,508 935,323,483 935,323,483

;'lrs[t gul/Psf z]o/ 3 70,461,300 70,461,300 99,813,800 99,813,800
s'n 1,304,790,808 1,304,790,808 1,035,137,283 1,035,137,283
hDdf 12,179,619,939 12,179,619,939 6,328,910,611 6,328,910,611
kl/iff]lwt d"No
gub tyf gub ;dfg 3 23,958,279,935 23,958,279,935 12,787,637,052 12,787,637,052
g]kfn /fi6« a}+sdf /x]sf] df}Hbft 3 15,059,500,883 15,059,500,883 13,747,313,630 13,747,313,630
a}+s tyf ljQLo ;+:yfdf /x]sf] df}Hbft 3 755,846,186 755,846,186 3,782,288,743 3,782,288,743
a}+s tyf ljQLo ;+:yfx?nfO{ shf{ 3 7,116,529,163 7,116,529,163 5,920,094,816 5,920,094,816
;fk6L
u|fxsnfO{ shf{ tyf ;fk6L 3 189,035,400,388 189,035,400,388 174,948,356,284 174,948,356,284
lwtf]kqdf nufgL -z]o/ afx]s_ 3 31,070,124,019 31,070,124,019 30,689,709,470 30,689,709,470
s'n 266,995,680,574 266,995,680,574 241,875,399,995 241,875,399,995
hDdf ljQLo ;DklQ 279,175,300,513 279,175,300,513 248,204,310,606 248,204,310,606
FVTPL/ FVTOCI
sd{rf/Lsf] kl/eflift nfe bfloTj 3 158,073,801 158,073,801 125,618,519 125,618,519

s'n 158,073,801 158,073,801 125,618,519 125,618,519
kl/iff]lwt d"No
a}+s tyf ljQLo ;+:yfnfO{ ltg{ afFsL 3 2,737,257,510 2,737,257,510 2,082,436,338 2,082,436,338
g]kfn /fi6« a}+snfO{ ltg{ afFsL 3 3,285,987,203 3,285,987,203 8,996,366,529 8,996,366,529
u|fxsaf6 lgIf]k bfloTj 3 210,304,687,147 210,304,687,147 184,817,106,463 184,817,106,463
;fk6L 3 14,814,903,379 14,814,903,379 12,997,400,000 12,997,400,000
cGo bfloTj 3 3,382,756,160 3,382,756,160 4,122,153,023 4,122,153,023
hf/L ul/Psf] C0f kq 3 11,911,942,000 11,911,942,000 8,127,853,522 8,127,853,522
s'n 246,437,533,399 246,437,533,399 221,143,315,875 221,143,315,875
FVTPL
Jo'TkGg -8]l/e]l6e_ ljQLo ;fwg 1 11,060,344,567 11,060,344,567 5,351,098,092 5,351,098,092

s'n 11,060,344,567 11,060,344,567 5,351,098,092 5,351,098,092
hDdf ljQLo bfloTj 257,655,951,767 257,655,951,767 226,620,032,486 226,620,032,486

#! k'FhL kof{Kttf
@)*) ;fn cfiff9 d;fGtsf] k'FhLsf]if tflnsf tn b]vfOPsf] 5 . ?=xhf/df
!=!_ hf]lvd efl/t ;DklQ @)*) cfiff9 d;fGt @)&( cfiff9 d;fGt
s= shf{ hf]lvd 225,701,586 219,211,042
v= ;~rfng hf]lvd 11,008,308 10,378,438
u= ahf/ hf]lvd 1,816,655 215,706
hf]lvd efl/t ;DklQ 238,526,549 229,805,186
Pillar II cGt{utsf] ;dfof]hg
hf]8M ^=$ -s_ -&_ ;~rfng hf]lvd Joj:yf afkt s"n cfDbfgLsf] # k|ltzt 2,453,586 2,114,523
hf]8M ck|of{Kt t/n ;DklQ afkt s"n lgIf]ksf] @ k|ltzt 4,770,531 4,596,104
hf]8M g]kfn /fi6« a}+ssf] lgb]{zg cg'?k hf]lvd efl/t ;DklQsf] @ k|ltzt - -
s'n hf]lvd efl/t ;DklQ -Pillar II cGt{utsf] ;dfof]hg kl5 _ 245,750,666 236,515,813
!=@_ k"FhL o; jif{ ut jif{
k|fylds k"FhL -tx !_ 24,952,789 24,503,739
s= r'Qmf k"FhL 18,366,706 18,366,706
v= Ol/l8d]jn gg\ So'Do'n]l6e lk|km/]G; z]o/ - -
u= z]o/ lk|ldod - -
3= k|:tfljt af]g; z]o/ - -
ª= ;fwf/0f hu]8f sf]if 4,961,231 4,316,721
r= ;l~rt gfkmf÷ -gf]S;fg_ 1,140,830 1,550,781
5= rfn" cf=j= sf] gfkmf÷-gf]S;fg_ - -
h= k"FhL lkmtf{ ;dfof]hg sf]if - -
em= k"FhL ;dfof]hg sf]if 57,326 57,326
`= nfef+z ;lds/0f sf]if - -
6= 36fpg]M :yug s/ ;Dklt - -
7= cGo :jtGq sf]ifx? -:yug s/ sf]if_ - -
8= C0fkq e"QmfgL sf]if 1,156,729 590,062
36fpg] - -
s= Voflt (Goodwill) jfktsf] /sd - -
v= cb[Zo ;DklQ (105,861) (153,684)
v= ckn]vg gul/Psf ljljw ;DklQ - -
u= Ohfht k|fKt ;+:yfdf ul/Psf] z]o/ nufgL - -
3= ljQLo :jfy{ /x]sf] sDkgLdf /x]sf] nufgL (610,000) (210,000)
ª= ;LdfeGbf a9L nufgL - -
r= k|Tofe"lt (Underwriting) cGtu{t ul/Psf] nufgL - -
5= kfl/:kl/s qm; xf]lN8Ë - -
h= pkof]u gePsf tyf l;df gf3]sf hUuf tyf ejg vl/b (14,173) (14,173)
´= cGo - -
Pillar II cGt{utsf] ;dfof]hg - -
36fpg]M ^=$ -s_ -!_ cg';f/ ckof{Kt Joj:yf - -
36fpg]M ^=$ -s_ -@_ cGt/u{t ;DalGwt kIfnfO{ tyf lgif]lwt If]qdf k|jflxt
- -
shf{ . ;'ljwf
k'/s k"FhL -tx @_ 7,797,015 7,630,459
s= So'Do'n]l6e / l/l8d]jn lk|km/]G; z]o/ - -
v= ;'/If0f g/flvPsf] ;xfos cfjlws C0f 5,184,505 5,184,510
u= xfOla|8 k"FhL pks/0fx? - -
3= c;n shf{ gf]S;fgL Joj:yf 2,445,534 2,243,741
ª= ;6xL ;dLs/0f sf]if 156,976 142,208
r= nufgL ;dfof]hg sf]if - 50,000
5= ;DklQ k'gd"{Nof°g sf]if - -
h= cGo sf]if 10,000 10,000
s'n k"FhLsf]if -tx ! tx @_ 32,749,804 32,134,198
!=#_ k"FhLsf]if cg'kft
k"FhLsf]if ;femf OlSj6L (Tier I) ÷s'n hf]lvd efl/t ;DklQ 10.15 10.36
k|fylds k"FhL (Tier I) ÷s'n hf]lvd efl/t ;DklQ 10.15 10.36
k"FhLsf]if (Tier I tyf (Tier II) ÷s'n hf]lvd efl/t ;DklQ 13.33 13.59

PgPdla a}+s lnld6]8
shf{ hf]lvd
@)*) ;fn cfiff9 #! ut] -h'nfO{ !^, @)@#_
/sd ?=xhf/df
@)*) cfiff9 d;fGt ut cf=a=
u0fgf ug{ hf]lvd efl/t hf]lvd efl/t
lstfaL d"No ljz]if Joj:yf v'b /sd hf]lvd
ljj/0f ;lsg] CRM k|ltzt /sd v"b /sd
efl/t /sd
-s_ -v_ -u_ -3 Ös–v–u_ -ª_ -rÖ3 X ª_
jf;nftleqsf] sf/f]af/
gub df}Hbft 4,838,527 - - 4,838,527 0% - 4,821,254 -
g]kfn /fi6« a}+sdf /x]sf] df}Hbft 11,542,722 - - 11,542,722 0% - 9,644,761
;'g (634) - - (634) 0% - - -
g]kfn ;/sf/sf] C0fkqdf
36,685,448 - - 36,685,448 0% - 27,071,615 -
ul/Psf] nufgL
g]kfn ;/sf/ pk/sf] ;Dk"0f{ bfjL 3,602,289 - 3,602,289 0% - 4,219,615 -
-
g]kfn /fi6« a}+ssf] C0fkqdf
- - - - 0% - - -
ul/Psf] nufgL
g]kfn /fi6« a}+s pk/sf] ;Dk"0f{ bfjL - - - - 0% - - -
ljb]zL ;/sf/ tyf s]Gb|Lo a}+s
- - - - 0% - - -
pk/sf] bfjL (ECA rating 0-1)
- - - - 20% - - -
pk/sf] bfjL (ECA rating -2)
- - - - 50% - - -
- - - - 100% - - -
pk/sf] bfjL (ECA rating 4-6)
- - - - 150% - - -
BIS, IMF, ECB, EC / ax'kIfLo ljsf;
- - - - 0% - - -
a}+sx? pk/sf] bfjL
cGo ax'kIfLo ljsf; a}+sx?
- - - - 100% - - -
pk/sf] bfjL
;fj{hlgs ;+:yf pk/sf] bfjL
- - - - 20% - - -
(ECA rating 0-1)
- - - - 50% - - -
(ECA rating -2)
- - - - 100% - - -
(ECA rating 3-6)
- - - - 150% - - -
(ECA rating -7)
tf]lsPsf] k"FhLsf]if sfod ug]{
12,456,071 - 62,986 12,393,085 20% 2,478,617 7,717,003 1,543,401
:jb]zL a}+s pk/sf] bfjL
tf]lsPsf] k"FhLsf]if sfod gug]{
1,039 - - 1,039 100% 1,039 2,389 2,389
:jb]zL a}+s pk/sf] bfjL
ljb]zL a}+s pk/sf] bfjL (ECA
3,875,589 - - 3,875,589 20% 775,118 3,144,829 628,966
rating 0-1)
2,031,227 - - 2,031,227 50% 1,015,614 1,054,297 527,148
rating -2)
1,352,824 - - 1,352,824 100% 1,352,824 799,643 799,643
rating 3-6)
- 150% - - -
rating -7) - - -
tf]lsPsf] k"FhLsf]ifdf ! k|ltzt
eGbf a9Ln] k"FhLsf]if sfod ug{]
1,068,482 - - 1,068,482 20% 213,696 1,919,888 383,978
SAARC / rLg If]qleq :yfkgf
ePsf ljb]zL a}+s pk/sf] bfjL
:jb]zL ;+3 ;+:yfx? pk/sf]
bfjL – -qm]l86 /]l6Ë :sf]/ - - - - 50% - - -
a/fa/ -AAA_
bfjL -qm]l86 /]l6Ë :sf]/ a/fa/ 2,014 - - 2,014 70% 1,410 - -
-AA+ to AA_

lstfaL d"No ljz]if Joj:yf v'b /sd hf]lvd
efl/t /sd
-s_ -v_ -u_ -3 Ös–v–u_ -ª_ -rÖ3 X ª_
bfjL -qm]l86 /]l6Ë :sf]/ a/fa/ 2,882,748 - 1,244,525 1,638,223 80% 1,310,578 1,721,594 1,377,275
-A+ to A-)
bfjL -qm]l86 /]l6Ë :sf]/ a/fa/ 24,640,364 - - 24,640,364 100% 24,640,364 15,044,574 15,044,574
-BBB jf sd_
93,576,921 - 134,657 93,442,264 100% 93,442,264 105,642,292 105,642,292
bfjL -lgwf{/0f gul/Psf]_
ljb]zL ;+3 ;+:yfx? pk/sf] bfjL
- - - - 20% - -
-ECA rating 0-1) -
- - - - 50% - -
-ECA rating -2) -
- - - - 100% - -
(ECA rating 3-6) -
- - - - 150% - -
(ECA rating -7) -
pkef]Uo tyf ;fgf shf{
(Regulatory Retail Portfolio) -efvf 23,701,496 - 10,834 23,690,662 75% 17,767,997 5,183,684 3,887,763
ggf3]sf]_
u|fg'nfl/6L ;Ldf afx]s cGo zt{
kfngf u/]sf] pkef]Uo tyf ;fgf - - - - 100% - -
-
shf{
cfjf;Lo 3/hUufaf6 ;'/lIft
17,244,406 - - 17,244,406 60% 10,346,644 16,541,076 9,924,646
bfjL
cfjf;Lo 3/hUufaf6 k"0f{
- - - - 150% - -
;'/lIft gePsf] bfjL -
591,887 122,931 - 468,956 100% 468,956 552,943 552,943
bfjL -efvf gf3]sf]_
Jofkfl/s 3/hUufaf6 ;'/lIft
392,874 - - 392,874 100% 392,874 908,878 908,878
bfjL
e'QmfgL cjlw ;dfKt eO{;s]sf]
bfjL -cfjf;Lo 3/hUuf 7,884,457 3,015,147 1,278 4,868,031 150% 7,302,047 2,634,275 3,951,413
;'/lIft afx]s_
pRr hf]lvdo'Qm bfjL 18,575,908 - 1,292,076 17,283,832 150% 25,925,749 28,989,765 43,484,647
lwtf] kq (Bonds & Shares)
- - - - 100% - -
afkt shf{ nufgL -
lwtf] kq (Bonds & Shares)
afkt shf{ nufgL -@% nfv 78,682 - - 78,682 100% 78,682 - -
eGbf dfly_
Joj;flos kmd{nfO{ k|bfg
655,901 - - 655,901 120% 787,082 - -
ul/Psf 6«:6 l/l;K6 shf{
:6s PS;r]Ghdf ;"rLs[t
sDkgLsf] z]o/ / cGo k"FhLut - 926,445 100% 926,445 295,838 295,838
926,445 -
pks/0fdf ePsf] nufgL
:6s PS;r]Ghdf ;"rLs[t gePsf]
sDkgLsf] z]o/ / cGo k"FhLut 325,489 - - 325,489 150% 488,234 175,489 263,234
pks/0fdf ePsf] nufgL
3,476,331 - - 3,476,331 50% 1,738,165 3,141,900 1,570,950
sd{rf/L shf{
c;"n ug{ afFsL Aofh . g]kfn
568,266 - - 568,266 0% - 423,949 -
;/sf/sf] C0fkqdf bfjL
dfu{:y gub tyf e'QmfgL k|fKt
x'g] s|ddf /x]sf] cGo gub - - - - 20% - - -
;DklQ
cGo ;DklQ 14,006,289 8,713,013 - 5,293,277 100% 5,293,277 4,823,831 4,823,831
hDdf 286,984,065 11,851,091 2,746,356 272,386,618 196,747,676 246,475,380 195,613,807

/sd ?=xhf/df
lstfaL d"No ljz]if Joj:yf v'b /sd hf]lvd efl/t
/sd
-s_ -v_ -u_ -3 Ös–v–u_ -ª_ -rÖ3 X ª_
jf;nft aflx/sf sf/f]af/
h'g;'s} a]nf lkmtf{ lng ;lsg]
- - - - 0% - - -
k|lta4tf
lan sn]S;g 1,697,986 - - 1,697,986 0% - 1,546,098 -
clu|d ljlgdo ;Demf}tf 11,060,345 - - 11,060,345 10% 1,106,034 5,351,098 535,110
^ dlxgfeGbf sd cjlwsf]
5,541,925 - 184,837 5,357,088 20% 1,071,418 6,221,499 1,244,300
k|ltt–kq :jb]zL sf/f]af/ kIf
ljb]zL sf/f]af/ kIf (Counter
- - - - 20% - - -
party) (ECA 0-1)
- - - - 50% - - -
party) (ECA -2)
- - - - 100% - - -
party) (ECA 3-6)
- - - - 150% - - -
party) (ECA -7)
^ dlxgfeGbf a9L cjlwsf]
21,660,488 - 6,677,741 14,982,746 50% 7,491,373 13,004,790 6,502,395
k|ltt–kq :jb]zL sf/f]af/ kIf
- - - - 20% - - -
party) (ECA 0-1)
- - - - 50% - - -
party) (ECA -2)
- - - - 100% - - -
party) (ECA 3-6)
- - - - 150% - - -
party) (ECA -7)
la8 a08, k/km/d]G; a08,
sfp06/ Uof/]06L :jb]zL 15,141,421 - 380,740 14,760,680 40% 5,904,272 11,937,709 4,775,084
sf/f]af/ kIf
- - - - 20% - 6,787 1,357
party) (ECA 0-1)
12,252,228 - 6,126,114 6,126,114 50% 3,063,057 5,303,124 2,651,562
party) (ECA -2)
- - - - 100% - - -
party) (ECA 3-6)
- - - - 150% - - -
party) (ECA -7)
k|Tofe"lt (Underwriting) ;DalGwt
- - - - 50% - - -
k|lta4tf
a}+saf6 ;'/If0fsf] ?kdf k|bfg
- - - - 100% - - -
ul/Psf hdfgtx?
k'g v/Lb ;Demf}tf cGtu{tsf]
- - - - 100% - - -
shf{
clu|d e''QmfgL hdfgt 5,808,809 - 999,212 4,809,597 100% 4,809,597 2,602,398 2,602,398
ljQLo hdfgt 7,650 - 470 7,180 100% 7,180 4,980 4,980
:jLsf/ tyf b/lk7 Acceptance
2,002,276 - 108,386 1,893,890 100% 1,893,890 2,078,637 2,078,637
and Endorsements
e'QmfgL gul/Psf] efu tyf
cflzs e'QmfgL ul/Psf] z]o/
- - - - 100% - - -
tyf ;'/If0f (Unpaid portion of
party paid shares and securities)
ckl/jTo{ shf{ k|lta4tf 5f]6f]
12,879,730 - - 12,879,730 20% 2,575,946 12,616,682 2,523,336
cjlw
ckl/jTo{ shf{ k|lta4tf nfdf]
- - - - 50% - - -
cjlw
tf]lsPsf] k"FhLsf]ifdf ! k|ltzt
eGbf a9Ln] k"FhLsf]if sfod
3,148,442 - - 3,148,442 20% 629,688 1,447,976 289,595
ug]{ SAARC If]qleq :yfkgf
ePsf ljb]zL a}+s pk/sf] bfjL

/sd ?=xhf/df
lstfaL d"No ljz]if Joj:yf v'b /sd hf]lvd efl/t
/sd
-s_ -v_ -u_ -3 Ös–v–u_ -ª_ -rÖ3 X ª_
cGo ;Defljt bfloTjx? 401,455 - - 401,455 100% 401,455 388,481 388,481
gltl/Psf] hdfgt bfloTj - - - - 200% - - -

(unpaid Guarantee Claims)
hDdf 91,602,754 - 14,477,500 77,125,254 28,953,911 62,510,260 23,597,236
-s+v_
s"n shf{ hf]lvd -s+ 378,586,819 11,851,091 17,223,856 349,511,871 225,701,586 308,985,640 219,211,042
Pillar II cGt/utsf] ;dfof]hg -
hf]8M ^=$ -s_ -#_ cGtu{t

k|lt u|fxs shf{ tyf ;'ljwf
;LdfeGbf a9L k|jflxt shf{
tyf ;'ljwfsf] !) k|ltzt
hf]8M ^=$ -s_ -$_ cGtu{t k'g
:jLsf/ x'g]u/L ljs|L ul/Psf]
shf{x?sf] ! k|ltzt
s"n shf{ hf]lvd -Pillar II
cGt/utsf] ;dfof]hg kl5_

PgPdla a}+s lnld6]8
shf{ hf]lvd Go"lgs/0fsf] nflu of]Uo /sd
@)*) ;fn cfiff9 #! ut] -h'nfO{ !^, @)@#_
/sd ?=xhf/df
g]kfn cGo ljb]zL ljb]zL
cfgf] cGo a}+sdf ;/sf/ / g]kfn b]zsf] :jb]zL ax'kIfLo a}+ssf]
a}+sdf /x]sf] g]kfn /fi6« ;/sf/sf] ;/sf/sf] a}+ssf] lasf; hdfgt
shf{ /sd /x]sf] lgIf]k ;'g hDdf
a}+ssf] ;'/ hdfgt hdfgt hdfgt a}+sx?sf] tyf
lgIf]k If0f -r_ hdfgt ;'/If0f
-s_ -v_ -u_ -3_ -ª_ -5_ -h_ -em_
jf;nftleqsf] sf/f]af/
gub df}Hbft - - - - - - - - - -
g]kfn /fi6« a}+sdf /x]sf] df}Hbft - - - - - - - - - -
;'g - - - - - - - - - -
g]kfn ;/sf/sf] C0fkqdf ul/Psf] nufgL - - - - - - - - - -
g]kfn ;/sf/ pk/sf] ;Dk"0f{ bfjL - - - - - - - - - -
g]kfn /fi6« a}+ssf] C0fkqdf
- - - - - - - - - -
ul/Psf] nufgL
g]kfn /fi6« a}+s pk/sf] ;Dk"0f{ bfjL - - - - - - - - - -
ljb]zL ;/sf/ tyf s]Gb|Lo a}+s pk/sf]
- - - - - - - - - -
bfjL (ECA rating -1)
ljb]zL ;/sf/ tyf s]Gb|Lo a}}+s pk/sf]
- - - - - - - - - -
- - - - - - - - - -
- - - - - - - - - -
bfjL (ECA rating 4 -6)
- - - - - - - - - -
cGo ax'kIfLo lasf; a}+sx? pk/sf] bfjL - - - - - - - - - -
tf]lsPsf] k"FhLsf]if sfod ug]{ :jb]zL a}+s
- - - - - - - - 62,986
pk/sf] bfjL 62,986
;fj{hlgs ;+:yf pk/sf] bfjL (ECA rating 0-1) - - - - - - - - - -
;fj{hlgs ;+:yf pk/sf] bfjL (ECA rating 0-2) - - - - - - - - - -
- - - - - - - - - -
(ECA rating 3-6)
;fj{hlgs ;+:yf pk/sf] bfjL (ECA rating -7) - - - - - - - - - -
tf]lsPsf] k"FhLsf]if sfod ug]{ :jb]zL a}+s
- - - - - - - - - -
pk/sf] bfjL
tf]lsPsf] k"FhLsf]if sfod gug]{ :jb]zL a}+s
- - - - - - - - - -
pk/sf] bfjL
ljb]zL a}+s pk/sf] bfjL (ECA rating 0-1) - - - - - - - - - -
ljb]zL a}+s pk/sf] bfjL (ECA rating -2) - - - - - - - - - -
ljb]zL a}+s pk/sf] bfjL (ECA rating 3-6) - - - - - - - - - -
ljb]zL a}+s pk/sf] bfjL (ECA rating -7) - - - - - - - - - -
tf]lsPsf] k"FhLsf]ifdf ! k|ltzt eGbf a9Ln]
k"FhLsf]if sfod ug]{ SAARC / rLg If]qleq - - - - - - - - - -
:yfkgf ePsf ljb]zL a}+s pk/sf] bfjL
:jb]zL ;+3 ;+:yfx? pk/sf] bfjL -qm]l86
- - - - - - - - - -
/]l6Ë :sf]/ a/fa/ AAA
- - - - - - - - - -
/]l6Ë :sf]/ a/fa/ (AA+ to AA-)
- - - - - - - - 1,244,525 1,244,525
/]l6Ë :sf]/ a/fa/ (A+ to A-)
- - - - - - - - - -
/]l6Ë :sf]/ a/fa/ -BBB jf sd_
:jb]zL ;+3 ;+:yfx? pk/sf] bfjL -lgwf{/0f
134,657 - - - - - - - - 134,657
gul/Psf]_
ljb]zL ;+3 ;+:yfx? pk/sf] bfjL (ECA
- - - - - - - - - -
rating 0-1)
ljb]zL ;+3 ;+:yfx? pk/sf] bfjL (ECA
- - - - - - - - - -
rating -2)

/sd ?=xhf/df
cfgf] cGo a}+sdf ;/sf/ / g]kfn b]zsf] :jb]zL ax'kIfLo a}+ssf]
a}+sdf /x]sf] g]kfn /fi6« ;/sf/sf] ;/sf/sf] a}+ssf] lasf; hdfgt
shf{ /sd /x]sf] lgIf]k ;'g hDdf
a}+ssf] ;'/ hdfgt hdfgt hdfgt a}+sx?sf] tyf
lgIf]k If0f -r_ hdfgt ;'/If0f
-s_ -v_ -u_ -3_ -ª_ -5_ -h_ -em_
- - - - - - - - - -
(ECA rating 3-6)
- - - - - - - - - -
(ECA rating -7)
pkef]Uo tyf ;fgf shf{ (Regulatory Retail
10,144 - 690 - - - - - - 10,834
Portfolio) -efvf ggf3]sf]_
u|fg'nfl/6L ;Ldf afx]s cGo zt{ kfngf
- - - - - - - - - -
u/]sf] pkef]Uo tyf ;fgf shf{
cfjf;Lo 3/hUufaf6 ;'/lIft bfjL - - - - - - - - - -
cfjf;Lo 3/hUufaf6 k"0f{ ;'/lIft gePsf]
- - - - - - - - - -
bfjL
cfjf;Lo 3/hUufaf6 ;'/lIft bfjL -efvf
- - - - - - - - - -
gf3]sf]_
Jofkfl/s 3/hUufaf6 ;'/lIft bfjL - - - - - - - - - -
e'QmfgL cjlw ;dfKt eO{;s]sf] bfjL
- - 1,278 - - - - - - 1,278
-cfjf;Lo 3/hUuf ;'/lIft afx]s_
pRr hf]lvdo'Qm bfjL 68 - - - - - -
1,292,008 - 1,292,076
;'/If0fsf] ?kdf k|bfg ul/Psf -j08_ - - - - - - - - - -
Joj;foLs kmd{nfO{ k|bfg ul/Psf 6«:6
- - - - - - - - - -
l/l;K6 shf{
:6s PS;r]Ghdf ;"rLs[t sDkgLsf] z]o/ /
- - - - - - - - - -
cGo k"FhLut pks/0fdf ePsf] nufgL
:6s PS;r]Ghdf ;"rLs[t gePsf] sDkgLsf]
z]o/ / cGo k"FhLut pks/0fdf ePsf] - - - - - - - - - -
nufgL
cGo ;DklQ - - - - - - - - - -
hDdf -s_ 1,499,795 - 2,036 - - - - - 1,244,525 2,746,356

/sd ?=xhf/df
cGo ;/sf/ / g]kfn b]zsf] ax'kIfLo a}+ssf]
cfgf] a}+sdf a}+sdf :jb]zL
ljj/0f g]kfn /fi6« ;/sf/sf] ;/sf/sf] lasf; hdfgt hDdf
/x]sf] lgIf]k /x]sf] a}+ssf]
;'g a}+ssf] hdfgt hdfgt a}+sx?sf] tyf
lgIf]k hdfgt
;'/If0f hdfgt ;'/If0f
jf;nft aflx/sf sf/f]af/
clu|d ljlgdo ;Demf}tf - - - - - - - - - -
^ dlxgfeGbf sd cjlwsf] k|ltt–kq

184,837 - - - - - - - - 184,837
:jb]zL sf/f]af/ kIf
ljb]zL sf/f]af/ kIf (Counter party) (ECA
- - - - - - - - - -
0-1)
ljb]zL sf/f]af/ kIf (Counter party) (ECA -2) - - - - - - - - - -

- - - - - - - - - -
3-6)
^ dlxgfeGbf a9L cjlwsf] k|ltt–kq

183,213 - - - - - - 6,494,528 - 6,677,741
:jb]zL sf/f]af/ kIf
- - - - - - - - - -
0-1)

- - - - - - - - - -
3-6)
la9 a08, k/km/d]G; a08, sfp06/

380,740 - - - - - - - - 380,740
Uof/]06L :jb]zL sf/f]af/ kIf
- - - - - - - - - -
0-1)
ljb]zL sf/f]af/ kIf (Counter party) (ECA -2) - - - - - - - - 6,126,114 6,126,114

- - - - - - - - - -
3-6)
k|Tofe"lt (Underwriting) ;DalGwt k|lta4tf - - - - - - - - - -
a}+saf6 ;'/If0fsf] ?kdf k|bfg ul/Psf

- - - - - - - - - -
hdfgtx?
k'gM v/Lb ;Demf}tf cGtu{tsf] shf{ - - - - - - - - - -
clu|d e'QmfgL hdfgt 999,212 - - - - - - - - 999,212
ljQLo hdfgt 470 - - - - - - - - 470
:jLsf/ tyf b/lk7 Acceptance and

108,386 - - - - - - - - 108,386
Endorsements
e'QmfgL gul/Psf] efu tyf cflzs e'QmfgL

ul/Psf] z]o/ tyf ;'/If0f (Unpaid portion - - - - - - - - - -
of party paid shares and securities)
ckl/jTo{ shf{ k|lta4tf 5f]6f] cjlw - - - - - - - - - -
ckl/jTo{ shf{ k|lta4tf nfdf] cjlw - - - - - - - - - -
tf]lsPsf] k"FhLsf]ifdf ! k|ltzt eGbf

a9Ln] k"FhLsf]if sfod ug]{ SAARC If]qleq - - - - - - - - - -
:yfkgf ePsf ljb]zL a}+s pk/sf] bfjL
cGo ;Defljt bfloTjx? - - - - - - - - - -
hDdf -v_ 1,856,858 - - - - - - 6,494,528 6,126,114 14,477,500
s"n shf{ hf]lvd -s+v_ 3,356,652 - 2,036 - - - - 6,494,528 7,370,639 17,223,856

PgPdla a}+s lnld6]8
;~rfng hf]lvd
@)*) ;fn cfiff9 #! ut] -h'nfO{ !^, @)@#_
/sd ?=xhf/df
@)*) cfiff9 d;fGtsf] clwNnf jif{x?
ljj/0f
2076/077 2077/078 2078/79
v'b Aofh cfDbfgL 5,758,195 5,660,659 6,387,540
sldzg tyf l8:sfp06 cfDbfgL 956,286 1,177,642 1,689,473
cGo ;~rfng vr{ 217,052 351,974 406,767
;6xL 36a9 cfDbfgL 384,157 364,108 272,407
yk Aofh d'NtaL lx;fa 153,608 199,643 241,195
s'n cfDbfgL -s_ 7,469,298 7,754,026 8,997,381
tf]lsPsf] k|ltzt -v_ 15% 15% 15%
s'n cfDbfgLsf] tf]lsPsf] k|ltztn] x'g] /sd -u_=sxv 1,120,395 1,163,104 1,349,607
;~rfng hf]lvdsf] nflu cfjZos k"FhL -3_=-u sf] cf};t_ 1,211,035
hf]lvd ef/ u'0ff° (Reciprocal of Capital Requirement 10% -ª_ 9.09
;~rfng hf]lvdsf] nflu hf]lvd efl/t /sd -r_=3xª 11,008,308
Pillar II cGt/utsf] ;dfof]hg

^=$ -c_ -*_ cg';f/ ut tLg jif{sf] s'n cfDbfgL C0ffTds ePdfM
s'n shf{ tyf nufgL -ljif]z Joj:yfsf] ;dfof]hg kl5_
;+rfng hf]lvdsf] nflu cfjZos k"FhL (5%)
hf]lvd ef/ u'0ff° (Reciprocal of Capital Requirement 11%) 9.09
;~rfng hf]lvdsf] nflu hf]lvd efl/t /sd -5_

;~rfng hf]lvdsf] nflu hf]lvd efl/t /sd -h_=r±5 11,008,308

PgPdla a}+s lnld6]8
ahf/ hf]lvd
@)*) ;fn cfiff9 #! ut] -h'nfO{ !^, @)@#_
@)*) cfiff9 d;fGt ut jif{

ljb]zL d'b|fsf] v'b ljb]zL d'b|fsf v'b ljb]zL d'b|fsf ;fGble{s ljb]zL d'b|fsf] ;fGble{s v'b
qm+=;+= ljj/0f cj:yf -lj=d"_ cj:yf -g]=?=_] v'b cj:yf -g]=?=_] cj:yf -g]=?=_
1 ef/tLo ?k}+of (2,448,684.4) (3,919,731.6) 3,919,732 134,267
2 cd]l/sL 8n/ (42.4) (5,576.8) 5,577 300,441
3 kfpG8 :6ln{Ë (33.9) (5,833.8) 5,834 1,427
4 :jL; k|mfGs 20.2 3,083.5 3,083 1,012
5 o'/f] 37.1 5,480.9 5,481 1,065
6 hfkfgL o]g (6,597.8) (6,254.2) 6,254 42
7 :jLl8; s|f]g/ 1.0 12.9 13 -
8 8flg; s|f]g/ 15.5 306.3 306 1,501
9 xªsË 8n/ 65.0 1,093.5 1,094 580
10 c:6«]lnog 8n/ (61.1) (5,497.2) 5,497 2,982
11 l;+ufk'/ 8n/ 29.6 2,948.6 2,949 342
12 sf]l/og jf]g 260.0 26.9 27 100
13 lb/fd 594.4 21,280.0 21,280 19,737
14 dn]l;og l/l∙6 16.3 475.0 475 387
15 yfO{ ef6 115.0 436.5 437 389
16 stf/L l/ofn 180.0 6,492.7 6,493 1,413
17 lrlgof o'cfg 1.6 29.5 29 964
18 Sofgfl8og 8n/ (54.7) (5,446.6) 5,447 1,892
19 ;fpbL c/a l/ofn 189.1 6,627.4 6,627 5,969
20 s'j]tL l8gf/ 0.9 382.3 382 42
21 ax/fO{gL l8gf/ 0.1 20.9 21 55
v'b cj:yf -s_ 3,997,037 474,608
tf]lsPsf] k|ltzt -v_ 5% 5%
ahf/ hf]lvdsf nflu cfjZos k"FhL -u_=-s X v_ 199,852 23,730
hf]lvd ef/ u'0ff° (Reciprocal of Capital Requirement) -3_ -!))÷!)_ 9.09 9.09
ahf/ hf]lvdsf nflu cfjZos k"FhL -ª_=-u X 3_ 1,816,655 215,706

#@ kl/rfngsf If]qx? (Operating segments)
-s_ ;fdfGo hfgsf/L
Joj:yfkg / l/kf{]l6Ësf] nflu a}+snfO{ lgDg If]qdf ljefhg ul/Psf] 5 M v'b|f -l/6]n_, P;PdO{ / PdP;PdO{, skf]{/]6, n3'ljQ
-ljkGg_, 6«]h/L / cGo . cfos/nfO{ s'g} ;+rfng If]qdf ljefhg ul/b}Fg / ;d'xut cfwf/df Joj:yfkg ul/G5 . ;a} If]qx?
lardf x'g] sf/f]af/ Arm Length Price df ul/G5 / If]qx? larsf] cfDbfgL vr{nfO{ æcGodfÆ /fvL x6fO{Psf] 5 . cGo ;kf]6{
nfutx? (Support Cost) ;+rfng If]qnfO{ x'g] kmfO{bfsf] cg'dfgsf] cfwf/df Joj:yfkgåf/f cf+sng u/L tL If]qx?df ljefhg
ul/Psf] 5 .
-v_ Products / ;]jfx?sf] ljZn]if0f

a}+sn] k|bfg ug]{ Products/;]jfx? ;fdfGotof oL ju{x?df ljefhg ug{ ;lsG5M
(i) v'b|f a}+lsË (Retail banking)
v'b|f a}+lsËnfO{ pkef]Qmf a}+lsË klg elgG5 . o; cGtu{t sDkgL, lgud jf cGo a}+sx? geO{ ;j{;fwf/0fx?nfO{ k|bfg ul/g]
;]jfnfO{ juL{s/0f ul/G5 . art vftf, sf/f]af/ vftf, JolQmut shf{, 3/ shf{, 8]lj6 / qm]l86 sf8{ nufotsf shf{x?nfO{
o;df ;dfj]; ul/Psf] 5 .
(ii) skf]{/]6, ;fgf tyf demf}nf Joj;fo . ;+:yfut a}+lsË -v'b|f afx]s_
oL PsfO{x?n] ;fdfGotof ;fgf tyf demf}nf Joj;fo b]lv 7"nf ;d"xdf /x]sf / b]ze/L sfof{no /x]sf sDklgx?nfO{ ;]jf
k|bfg ug]{ ub{5g\ .
(iii) 6«]h/L OsfO{ M

6«]h/L O{sfOnfO{ b'O{ v08df laefhg ul/Psf] 5 . h; cGt{ut Aoj;fo cufl8 / lgoGq0f k5fl8sf] efudf kb{5g\ . g]kfn
/fi6« a}+ssf] lab]zL lalgdo lgodx?sf] kl/lw leq /xL oL OsfO{x?n] cfkm\gf] sfo{ ;Dkfbg ug]{ ub{5g . 6«]h/L O{sfOsf]
d'Vo sfo{ eg]sf] lalgdo b/nfO{ cBfalws ug]{, lab]zL d'b|fsf] l:ylt hfFr ug]{, sf]if Joj:yfkg ug]{, 6L–lan÷aG8 ;Demf}tf,
cGt/a}+s ;fk6L / forward contract x]h ug]{ / c? 6«]h/L cg';Gwfg ug]{ /x]sf 5g\ .
(iv) 6«]8 Aofkf/ (Trade Finance)

Kf|ltt kq, Uof/]G6L;+u ;DalGwt sfo{nfO{ 6«]8 Aofkf/ OsfO{n] x]g]{ ub{5 .
(v) cGo
-Uf_ gfkmf gf]S;fg tyf ;DklQ bfloTj ;DaGwL ljj/0f
/sd ? bznfvdf
P;PdO{ /
ljj/0f v'b|f -l/6]n_ skf]{/]6 n3'ljQ 6«]h/L cGo hDdf
PdP;PdO{
s afXo u|fxsaf6 cfDbfgL 5,934 8,201 10,458 1,257 2,573 425 28,848
v cGt/ If]qx? cfDbfgL 4,766 (2,938) (1,003) (555) 1,298 (1,569) -
u v'b cfDbfgL 1,168 11,139 11,461 1,812 1,275 1,994 28,848
3 Aofh cfDbfgL 5,072 7,934 9,807 1,246 2,384 180 26,622
ª Aofh vr{ 11,468 84 4,549 11 2,152 15 18,280
r v'b Aofh cfDbfgL (6,397) 7,849 5,258 1,235 232 164 8,342
5 x«f; s6\6L / kl/iff]wg 42 64 90 12 22 90 319
h If]q gfkmf÷gf]S;fg (1,605) 3,220 3,489 499 1,413 (2,407) 4,609
´ Equity method af6 n]vf+sg
ePsf] Associate sDkgLsf]
gfkmf jf gf]S;fgdf lgsfosf]
lxt – nfu" gx'g]
~f cGo j:t'ut ljj/0f - - - - - - -
6 OCI Items – Non Cash - - - - - (143) (143)
7 ;DklQ xfgL gf]S;fgL 1,033 2,609 2,318 198 - - 6,158
8 If]qut ;DklQ 37,695 57,415 82,706 10,596 19,551 79,813 287,777
9 If]qut bfloTj 127,482 4,050 61,737 513 36,780 57,216 287,777

-3_ kl/rfngsf If]qx?sf] gfkmf gf]S;fg tyf ;DklQ bfloTjsf] dfkg
i . Reportable segment aLr x'g] sf/f]af/sf] n]vfª\sg cfwf/
Joj:yfkg / l/kf]{l6Ësf] nflu a}+snfO{ lgDg If]qdf ljefhg ul/Psf] 5M v'b|f -l/6]n_, P;PdO{ / PdP;PdO{,
skf]{/]6, n3'ljQ -ljkGg_, 6«]h/L / cGo . Joj:yfkgn] ;|f]t afF8kmfF8 / sfo{;Dkfbg d"Nof°g af/] lg0f{o ug]{ p2]Zon] cfgf]
Joj;flos PsfO{x¿sf] ;~rfng kl/0ffdx¿sf] cg'udg cnu–cnu ub{5 . cfos/nfO{ s'g} ;+rfng If]qdf ljefhg ul/Fb}g /
;d'xut cfwf/df Joj:yfkg ul/G5 . ;a} If]qx? lardf x'g] sf/f]af/ Arm Length Price df ul/G5 / If]qx? larsf] cfDbfgL
vr{nfO{ cGodf /fvL x6fO{Psf] 5 . cGo ;kf]6{ nfutx? (Support Cost) ;+rfng If]qnfO{ x'g] kmfO{bfsf] cg'dfgsf] cfwf/df
Joj:yfkgåf/f cf+sng u/L tL If]qx?df ljefhg ul/Psf] 5 .
ii. Reportable Segment sf] gfkmf gf]S;fg tyf a}+ssf] gfkmf gf]S;fg -cfos/ cl3_ df dfkg k|lqmofsf] km/sM
g/x]sf]
iii. Reportable Segment sf] ;DklQ bfloTj tyf a}+ssf] ;DklQ bfloTjdf dfkg k|lqmofsf] km/sM
g/x]sf]
iv. gfkmf gf]S;fg lgwf{/0f ug]{ dfkg ljlwdf cufl8sf cjlw;Fu km/sM
cufl8sf jif{df klg oL ljefhgx? a}+sleq /x]sf Joj;fo O{sfOsf cfwf/df ;fy} k|b]zsf cfwf/df klg ul/G5 .
v. Reportable Segment x¿df s'g} klg c;DalGwt ljlgof]hg k|s[lt / k|efjM

g/x]sf]
vi. Reportable segment x?sf] cfDbfgL, gfkmf gf]S;fg / ;DklQ bfloTjsf] Reconciliation
ljj/0f /sd ?= bznfvdf

s_ cfo
Reportable Segment sf] s'n cfDbfgL 28,848
cGo cfDbfgL -
Segment leqsf] cfDbfgL x6fO{Psf -
Af}+ssf] cfDbfgL 28,848
v_ gfkmf gf]S;fg ljj/0f
Reportable segment sf] s'n gfkmf gf]S;fg 4,609
cGo gfkmf gf]S;fg -
Segment leqsf] gfkmf gf]S;fg x6fO{Psf] -
g5'6\ofO{Psf] /sd -
cfos/ cl3sf] gfkmf 4,609
u_ ;DklQ
Reportable segment sf] s'n ;DklQ 287,777
cGo ;DklQ -
g5'6\ofO{Psf] /sd -
a}+ssf] ;DklQ 287,777
3_ bfloTj
Reportable segment sf] s'n bfloTj 287,777
g5'6\ofO{Psf] /sd -
cGo bfloTj -
a}+ssf] s'n bfloTj 287,777

vii. Product / ;]jfsf] hfgsf/L
ljj/0f /sd -z'Ns cfDbfgL_ ?=bznfvdf
v'b|f a}+lsª 864
skf]{/]6, ;fgf tyf demf}nf Joj;fo / ;+:yfut 985
6«]h/L 319
Aofkf/ laQ 41
cGo -
s'n 2,210
viii. ef}uf]lns If]qsf] hfgsf/L

ljj/0f /sd -z'Ns cfDbfgL_ ?=bznfvdf
:jb]zL 28,848
l sf]zL k|b]z 3,538
l dw]z Kf|b]z 1,926
l afudtL Kf|b]z 16,725
l u08sL Kf|b]z 2,077
l n'lDagL Kf|b]z 3,155
l s0ff{nL Kf|b]z / ;'b'/klZrd Kf|b]z 1,427
ljb]zL -
s'n -:jb]zL±ljb]zL_ 28,848
ix. k|d'v u|fxssf] hfgsf/L

Pp6} afXo u|fxsaf6 a}+s+sf] s"n cfDbfgLdf !) k|ltZft eGbf w]/} of]Ufbfg /x]df tL u|fxsdf a}+ssf] lge{/tf af/] ljj/0f
g/x]sf] .
## z]o/ ljsNk / z]o/df cfwfl/t e'QmfgL

;d"xdf o; cfly{s jif{ tyf cufl8sf cf=j= x?df z]o/ ljsNk / z]o/df cfwfl/t e'QmgL;Fu ;DalGwt sf/f]af/x? ePsf]
5}g .
#$ dh{/ / k|flKt
cfly{s jif{ @)&(÷*) df s'g} dh{/ tyf k|flKt ul/Psf] 5}g .
#% PsLs[t gul/Psf sDkgLx?sf] af/] yk hfgsf/L

;d"xdf PsLs[t gul/Psf sDkgLx? g/x]sf] .
#^ jf;nftsf] ldltkl5sf] w6gf

jf;nftsf] ldlt kZrft\ ;dfof]hg cyjf ljQLo ljj/0fdf k|s6g ul/g' kg]{ s'g} klg kl/j]z l;h{gf ePsf] 5}g .
#& ;DalGwt ;d"x af/] hfgsf/L

-s_ ;~rfns ;ldltnfO{ eQf tyf ;'ljwf
o; cf=j= df a}+ssf] ;~rfns ;ldltnfO{ a}7s eQf afkt ?=!,!#),000/– k|bfg ul/Psf] 5 . o; cjlwdf !% j6f ;~rfns
;ldltsf] a}7s ;DkGg ePsf] 5 .
kf}if @$, @)&^ df ;DkGg ePsf] a}+ssf] @$cf} jflif{s ;fwf/0f ;efsf] :jLs[tL adf]lhd ;~rfns ;ldltsf cWoIf tyf cGo
;~rfnsnfO{ k|lt a}7s eQf qmdzM ?=!*,))) / ?=!^,))) k|bfg ul/Psf] 5 .

;~rfns ;ldlt txsf pk–;ldltnfO{ k|bfg ul/Psf] a}7s eQf lgDg adf]lhd 5g\ M
;~rfns ;ldlt txsf pk–;ldlt a}7s ;+Vof a}7s eQf -?=_
n]vfk/LIf0f ;ldlt 6 160,000
hf]lvd Joj:yfkg ;ldlt 10 304,000
sd{rf/L ;]jf ;'lawf ;ldlt 6 16,000
;DklQ z'4Ls/0f lgjf/0f ;ldlt 7 112,000
cGo ;ldlt 6 192,000
kf}if @^, @)&% df a}+ssf] @#cf+} jflif{s ;fwf/0f ;efsf] :jLs[tL adf]lhd ;~rfns ;ldltsf] ;b:ox?nfO{ 6]lnkm]fg, klqsf /
df]afOn vr{sf] nflu dfl;s eQf ?=!@,)))÷– k|bfg ul/Psf] 5 . o; cf= j= df ;~rfns ;ldltsf] ;b:ox?nfO{ dfl;s eQf
k|bfg ul/Psf] hDdf /sd ?=($!,@))÷– /x]sf] 5 .
;~rfns ;ldltdf ;b:ox? lgDg adf]lhd /x]sf 5g\ M

gfd ;d'x kb
>L kjg s'df/ uf]Nof0f -;+:yfks ;d'x_ cWoIf
>L lgsf] lkn -PkmPdcf]sf] tkm{af6 ;+:yfks ;d'x_ ;~rfns
>L hLjg s'df/ s6\jfn -sd{rf/L ;+ro sf]ifsf] tkm{af6–;+:yfks
;~rfns
;d'x_
>L of]u]Gb| nfn k|wfg -;j{;fwf/0f ;d'x_ ;~rfns
>L pQd Enf]g -;j{;fwf/0f ;d'x_ ;~rfns
>L lzl/if s'df/ d'/f/sf -;j{;fwf/0f ;d'x_ ;~rfns
>L aGbgf kf7s :jtGq ;~rfns
>L k|bLk /fh kf08] >L lgsf] lknsf] a}slNks ;~rfns a}slNks ;~rfns
-v_ ;+:yfksnfO{ k|bfg ul/Psf] shf{

;+:yfksnfO{ s'g} shf{ k|bfg gul/Psf] .
u_ k|d'v Joj:yfkgsf sd{rf/LnfO{ k|bfg ul/Psf] kfl/>lds ljj/0fM

k|d'v Joj:yfkgsf sd{rf/Ln] a}+ssf] Joj:yfkg ;ldltsf] ;b:ox?nfO{ hgfpF5
s|=;= ljj/0f /sd -?=_
1 cNksfnLg sd{rf/L ;'ljwf 71,110,310
2 eljiodf k|bfg ul/g] sd{rf/L ;'ljwf gePsf]

3 cGo bL3{sfnLg ;'ljwf gePsf]
4 a}+ssf] ;]jf cjlw ;dfKtL ul/Psf sd{rf/LnfO{ lbO{Psf] ;'ljwf gePsf]
5 z]o/ e'QmfgL gePsf]
k|d'v Joj:yfkgsf sd{rf/LnfO{ k|bfg ul/Psf] s'n kfl/>lds 71,110,310
k|d'v sfo{sf/L clws[tnfO{ cf=j= @)&(÷*) df k|bfg ul/Psf] tna tyf kfl/>lds lgDg adf]lhd /x]sf] 5 M
af]g; tyf
ljj/0f tna ;r+o sf]if eQf cGo s'n hDdf
j]Nkm]o/
k|d'v sfo{sf/L clws[t
9,000,000 900,000 8,500,000 6,336,390 82,199 24,818,589
-;'lgn s]=;L=_
cGo hfgsf/LM
k|d'v Joj:yfkgsf sd{rf/LnfO{ lgDglnlvt ;'ljwfx? Kf|bfg ul/Psf] 5 M
s_ a}+ssf] sd{rf/L ;]jf zt{ ty ;'ljwf ;DaGwL ljlgdodfjnL] cg';f/ k|fKt ug]{ ;'ljwfx? .
v_ af]g; P]g cg';f/ k|fKt ug]{ af]g; .
u_ a}+ssf] sd{rf/L ;]jf zt{ tyf ;'ljwf ;DaGwL ljlgdodfjnL] cg';f/ k|fKt ug]{ ;jf/L ;fwg eQf .

xfn sfo{sf/L Joj:yfkgdf lgDg kbflwsf/Lx? ;dfj]z x'g'x'G5 .
!_ >L ;'lgn s]=;L= k|d'v sfo{sf/L clws[t
@_ >L ;'b]z pkfWofo gfoa k|d'v sfo{sf/L clws[t
#_ >L uf]ljGb l3ld/] gfoa k|d'v sfo{sf/L clws[t
$_ >L k|df]bs'df/ bfxfn k|d'v ;+rfng clws[t tyf sDkgL ;lrj
%_ >L gljg dfgGw/ k|dv' hf]lvd clws[t
^_ >L >Lh]z l3ld/] k|dv ' nufgL clws[t
&_ 8f= a'l4 s'df/ dNn k|dv ' ;fgf, demf}nf tyf cg'bfg shf{ clws[t
*_ >L /f]zg /]UdL k|dv ' l/6]n a}+lsË clws[t
(_ >L k'ikf cof{n k|dv ' 6«]8 kmfO{gfG;
-3_ ;xfos sDkgL;Fusf] sf/f]af/ /sd ? xhf/df

PgPdla Soflk6n PgPdla n3'ljQ Pg=Pd=la=
s|=; ljj/0f
ln= ljQLo ;+:yf ln= ;]So'l/l6h ln=
1 nufgL 400,000 172,488 200,000
2 sn, rNtL tyf d'2tL lgIf]k 183,896 7,982 200,683
3 shf{÷;fk6L - 1,119,098 -
4 sn, rNtL tyf d'2tL lgIf]kdf k|bfg ul/Psf] Aofh vr{ 13,143 - 2,421
5 C0fdf Aofh cfDbfgL - 132,837 -
6 PgPdla Soflk6n lnld6]8n] sfof{no :yfg k§fdf lnPsf] 2,371 - -

PgPdla a}+s tyf PgPdaL Soflk6n lnld6]8 Joj:yfkg ;]jf
7 - - -
s/f/ jfktsf] e'QmfgL
8 PgPdla= a}+snfO{ Joj:yfkg z'Ns e'QmfgL - 3,339 -
9 PgPdla= a}+ssf] z]o/ /lhi6«f/ sfo{ afktsf] e'QmfgL 1,000 - -
10 C0fkq 6«:6L z'Ns PgPdaL a}+såf/f e'QmfgL 350 - -
11 PgPdla xfO{la|8 sf]if ! af6 PgPdaL a}+snfO{ nfef+z e'QmfgL 32,130 - -
12 PgPdla %) af6 nfef+z e'QmfgL 37,267 - -

PgPdla Soflk6n lnld6]8af6 PgPdaL a}+snfO nfef+z
13 40,000 - -
e'QmfgL
;d'xaLr ePsf ;DalGwt sf/f]af/x? ljQLo k|ltj]bg tof/ kfbf{ x6fO{Psf] 5 . PgPdla n3'ljQ ljQLo ;+:yf ln= sf] cf=j= @)&(÷*) sf] n]vfk/LIf0f eO{
g]kfn /fi6« a}+s ;dIf :jLs[ltsf] nflu k]z ePsf] ljj/0fsf cfwf/df PsLs[t ljQLo ljj/0f tof/ ul/Psf] 5 .

jf;]n ;DaGwL hfgsf/L

gofF k"FhL kof{Kttf 9fFrf cGtu{tsf] @)*) cfiff9;Ddsf] k|s6Ls/0f
!= k"FhL Joj:yfkg
a+}sn] lj:t[t k"FhL of]hgf tyf optimization/mitigation sf] k|lqmofaf6 gofF lgodsf sf/0f a+}s k"FhL kof{Kttfdf
kg]{ k|efjsf] d"Nof+sg ub{5 . k"FhL of]hgf a+}ssf] dWod cjlwsf] /0fgLlts of]hgf / jflif{s ah]6 lgdf{0f k|lqmofsf] Ps cleGg cË
xf] . cg'dflgt Joj;fo ;+rfngsf] nflu hf]lvd efl/t ;DklQx?sf] u0fgf ul/g'sf ;fy} cfjZos k"FhLsf] cg'dfg ub}{ cfjZos
k"FhL sfod /fVg of]hgf tof/ kfl/G5 .
a}+sn] cf=jf= @)&(÷*) df s'g} klg xfO{la|8 Soflk6n pks/0f lgisfzg u/]sf] 5}g .
@= k"FhL ;+/rgf / k"FhL kof{Kttf M

@=! Tier 1 k"FhL / To; cGtu{tsf] 36sx?sf] M
/sd ?=xhf/df
qm=;= ljj/0fx? /sd
1 r'Qmf z]o/ k"FhL 18,366,706
2 z]o/ lk|ldod
3 k|:tfljt af]g; z]o/ -
4 ;fwf/0f j}wflgs hu]8f sf]if 4,961,231
5 ;l~rt d'gfkmfx? 1,140,830
6 k"FhL ;dfof]hg sf]if 57,326
7 :yug s/ sf]ifx? -
8 :yug s/ ;DklQ -
9 C0fkq e'QmfgL sf]if 1,156,729
10 36fpg] M ljQLo lxtsf] p2]Zon] ;+:yfsf] kF'hLdf ePsf] nufgL (610,000)
11 36fpg] M cd"t{ ;DklQx? (105,861)
12 36fpg] M k|of]u gul/Psf] l;df eGbf a9L hUuf tyf ejg (14,173)
hDdf k|fylds k"FhL 24,952,789
@=@ Tier 2 k"FhL / To; cGtu{tsf] 36sx?sf]M

qm=;= ljj/0fx? /sd
1 ;'/If0f g/flvPsf] ;xfos cfjlws C0f 5,184,505
2 ;fdfGo shf{ gf]S;fgL Joj:yf 2,445,534
3 ;6xL ;dLs/0f sf]if 156,976
4 nufgL ;dfof]hg sf]if -
5 cGo sf]if 10,000

hDdf k'/s k"FhL 7,797,015

@=#= ;'/If0f g/flvPsf] ;xfos cfjlws C0fsf] ltg{ afFsL /sd, kl/kSjtfsf] ldlt, tyf o; jif{df p7]sf] /sd /
k"FhLsf]ifdf u0fgf ug{ of]Uo d"Nosf] lj:t[t ljj/0f M
o; a}+ssf] hf/L C0fkq tyf a08 lgDg adf]lhd /x]sf] 5 .

C0fkq hf/L ldlt kl/kSj ldlt Aofh b/ cls+t d"No -bz nfvdf_
PgPdla phf{ C0fkq ! @)(@÷(# @) h]i7 @)&* @) h]i7 @)(# $=))∞ !,%))
PgPdla phf{ C0fkq @ @)(@÷(# !) h]i7 @)&( !) h]i7 @)($ $=))∞ @,&@&
PgPdla C0fkq @)*$÷*% @( r}q @)&% @( r}q @)*% !)=))∞ !,^*%
PgPdla C0fkq @)*&÷** !! h]i7 @)&* !! h]i7 @)** *=%)∞ @,)))
PgPdla C0fkq @)*(÷() #) r}q @)&( @( r}q @)*( !)=&%∞ $,)))
oL pks/0fx?sf] 36\bf] d"NonfO{ lg/Gt/ ;|f]tsf] ?kdf k|ltlalDat ug{, k'FhL kof{Kttf u0fgf ubf{ k|lt jif{ @)∞ sf] ;+roL
5'6sf] b/n] kl5Nnf] % jif{sf] cjlwsf] kl/kSjtf nfu" ul/Psf] 5 .
@=$= k"FhLaf6 36fPsf] M
Kf"0f{ :jfldTj /x]sf] ;xfos sDkgL PgPdla Soflk6nsf] / Pg=Pd=la= ;]So'l/l6h ln= ?=^) s/f]8 ePsf] nufgL Tier 1 k'FhL
u0fgf ubf{ 36fOPsf] 5 .
To:t}, g]kfn /fi6« a}+ssf] lgb]{zgsf] cg';f/, :yug s/ ;DklQsf] ;Dk"0f{ /sd lgodgsf/L sf]ifdf hDdf ul/Psf] 5 .
g]kfn /fi6« a}+ssf] lgb]{lzsf cg';f/, ?=10 s/f]8 58 nfv a/fa/sf] cd"t{ ;DklQ / k|of]u gul/Psf] l;df eGbf a9Lsf] hUufdf
ePsf] nufgL ?=1 s/f]8 41 nfv klg 36fO{Psf]] 5 .
@=%= hDdf of]Uotf ePsf] k"FhL M
qm=;= ljj/0fx? /sd -?=xhf/df_
1 k|fylds k"FhL (Tier 1) 24,952,789
2 k'/s k"FhL (Tier 2) 7,797,015

hDdf k"FhL sf]if 32,749,804
@=^= Go'gtd k"FhLsf]if cg'kft M

qm=;= ljj/0f k|ltzt
1 Tier 1 k"FhL;Fu hf]lvd efl/t ;DklQ 10.15%
2 Tier 1 / Tier 2 k"FhL;Fu hf]lvd efl/t ;DklQ 13.33%
@=&= ;a} k"FhLut pks/0fx?sf] zt{x?, cj:yfx? / d'Vo ljz]iftfx?sf] ;f/fz+, ljz]ifu/L ;'/If0f g/fv]sf] ;xfos cfjlws
bfloTj / xfOla|8 k"FhLut pks/0fx? ;Gbe{df M
a+}ssf] k"FhLut pks/0fx?df k"0f{?kdf r'Qmf /x]sf] OlSj6L z]o/ tyf C0fkq ;dfj]z 5g\ . b'a} pks/0f ?kfGt/0f of]Uo
5}gg\ . C0fkqsf] d'Vo ljz]iftfx? dfly a'bf g+ @=# df pNn]v ul/Psf]] 5 .
#= hf]lvd efl/t ;DklQ M
#=!= shf{ hf]lvd, ;~rfng hf]lvd tyf ahf/ hf]lvdsf nflu hf]lvd efl/t ;DklQ M
qm=;= ljj/0f /sd -?=xhf/df_
1 shf{ hf]lvd 225,701,586
2 ;~rfng hf]lvd 11,008,308

3 ahf/ hf]lvd 1,816,655
hDdf hf]lvd efl/t ;DklQ -!±@±#_ 238,526,549
hf]8M ^=$ -s_ -!)_ cg';f/ kof{Kt ;"rgf k|jfx gu/] afkt hf]lvd efl/t ;DklQsf] # k|ltzt 2,453,586
hf]8M ck|of{Kt t/n ;DklQ afkt s"n lgIf]ksf] @ k|ltzt 4,770,531
hf]8 M g]kfn /fi6« a}+ssf] lgb]{zg cg'?k hf]lvd efl/t ;DklQsf] @ k|ltzt -
-Pillar II cGt{utsf] ;dfof]hg kl5 _
s'n hf]lvd efl/t ;DklQ -Pillar 245,750,666

#=@= shf{ hf]lvd cGt{utsf k|To]s ju{sf nflu hf]lvd efl/t ;DklQ M
1 g]kfn ;/sf/ tyf g]kfn /fi6« a}+s pk/sf] bfjL -
2 cflwsf/Ls ;+:yfx? pk/sf] bfjL -
3 a+}s pk/sf] bfjL 5,836,908
4 :jb]zL ;+3 ;+:yfx? Tfyf Securities kmd{x? pk/sf] bfjL 119,394,616
5 ljb]zL ;+3 ;+:yfx? pk/sf] bfjL

6 pkef]Uo tyf ;fgf shf{ pk/sf] bfjL 17,767,997
7 u|fg'nfl/6L ;Ldf afx]s cGo zt{ kfngf u/]sf] pkef]Uo tyf ;fgf shf{ -
8 cfjf;Lo 3/hUufaf6 ;'/lIft bfjL 12,084,809
9 cfjf;Lo 3/hUufaf6 k"0f{ ;'/lIft gePsf] bfjL -
10 cfjf;Lo 3/hUufaf6 ;'/lIft bfjL -efvf gf3]sf]_ 468,956
11 Jofkfl/s 3/hUufaf6 ;'/lIft bfjL 392,874
12 e'QmfgL cjlw ;dfKt eO{;s]sf] bfjL 7,302,047
13 pRr hf]lvdo'Qm bfjL 25,925,749
14 lwtf] kq (bonds & shares) afkt shf{ nufgL -
15 Trust Receipt Loans for Trading Firms 787,082
16 nufgL 1,493,361
17 cGo ;DklQ 5,293,277
18 jf;nft aflx/sf sf/f]af/ 28,953,111
hDdf 225,701,586
#=#= hDdf hf]lvd efl/t ;DklQsf] u0fgf M

s shf{ hf]lvd 225,701,586
v ;~rfng hf]lvd 11,008,308
u ahf/ hf]lvd 1,816,655
1 hDdf hf]lvd efl/t ;DklQ -s±v±u_ 238,526,549

hf]8M ^=$ -s_ -!)_ ;+rfng hf]lvd Joj:yf afkt s'n cfDbfgLsf] # k|ltzt 2,453,586
hf]8M g]kfn /fi6« a}+ssf] lgb]{zg cg'?k s'n hf]lvd efl/t ;DklQsf] @ k|ltzt 4,770,531
-pillar II cGt/utsf] ;dfof]hg kl5 _
s'n hf]lvd efl/t ;DklQ -pillar 245,750,666
2 k|fylds k"FhL -tx !_ 24,952,789
3 s'n k"FhLsf]if -tx ! / tx @_ 32,249,804
4 k|fylds k"FhL (Tier I)÷s'n hf]lvd efl/t ;DklQ 10.15%
5 k"FhLsf]if (Tier I tyf Tier II)÷s'n hf]lvd efl/t ;DklQ 13.33%
#=$= lgl:qmo shf{sf] ljj/0f M

qm=;= ljj/0f s'n -?=xhf/df_ Joj:yf -?=xhf/df_ /sd -?=xhf/df_
1 k'g/tflnsLs/0f÷k'g/;+/rgf 455,897 84,754 371,143
2 sd;n 1,510,316 365,686 1,144,631
3 z+sf:kb 1,611,592 790,304 821,288
4 v/fa 1,855,755 1,825,290 30,465

hDdf 5,433,561 3,066,034 2,367,526

#=%= lgl:qmo shf{sf] cg'kft M
s'n lgl:qmo shf{ s'n shf{sf] cg'kft M @=&% k|ltzt
v'b lgl:qmo shf{ v'b shf{sf] cg'kft M !=@$ k|ltzt
#=^= lgl:qmo shf{df ePsf] ptf/r9fjsf] ljj/0f M ?= xhf/df
qm=;= ljj/0f cfiff9 d;fGt @)*) cfiff9 d;fGt @)&( ptf/r9fj
2 sd;n 1,510,316 728,158 782,158
3 z+sf:kb 1,611,592 337,342 1,274,250
4 v/fa 1,855,755 1,560,738 295,017

hDdf lgl:qmo shf{ 5,433,561 2,641,171 2,792,389
#=&= shf{df gf]S;fgL Joj:yf, shf{df Aofh d'NtjL / shf{ ;fk6df ePsf] ptf/r9fjsf] ljj/0f M ?= xhf/df
qm=;= ljj/0f cfiff9 d;fGt @)&( cfiff9 d;fGt @)*) ptf/r9fj
1 c;n 2,270,851 2,445,534 174,683
2 ;'Id lgu/fgL 466,102 646,723 180,622
4 sd;n 178,595 365,686 187,091
5 z+sf:kb 233,634 790,304 556,670
6 v/fa 1,552,073 1,825,290 273,217

hDdf shf{ Joj:yf 4,703,121 6,158,292 1,455,171
Aofh cf;fdL 1,858,840 3,291,919 1,433,079
g]kfn /fi6« a}+ssf] Aofh cfDbfgL hgfpg] lgb]{lzsf adf]lhd cf=j= @)&(÷*) df ?=#$ s/f]8 ^% nfv Aofh cfDbfgL 36fO{
Aofh d"NtaLdf /flvPsf] 5 .
#=*= shf{ hf]lvd Go"lgs/0fsf] nflu of]Uo /sd M
gofF k'FhL kof{Kttf 9fFrfsf] Joj:yf cg';f/ a}+sn] shf{ hf]lvd Go"lgs/0f cGtu{t of]Uo /sd ?=!& ca{ @@ s/f]8 jf;nft
/ jf;nft aflx/sf] sf/f]af/sf] nflu bfaL u/]sf] 5 / ;f]sf] kmfO{bf klg lnPsf]] 5 .
$= afx|o cfjZostf cg';f/ sfod ug'{kg]{ M
g]kfn /fi6« a}+ssf] lgb]{lzsf g+ !÷)&& cg';f/ a+}sn] Go'gtd !! k|ltztsf b/n] k'FhLsf]if cg'kft sfod ug'{kg]{ 5 .
;f] ;DaGwdf a}+sn] l/kf]l6{Ë cjlwsf] x/]s ;dodf cfgf]] cg'kft sfod u/]sf] 5 . l/kf]l6{Ë cjlwdf a}+sn] kfngf u/]sf]
cg'kftsf] ljj/0f b]xfo adf]lhdsf 5g\ .
ljj/0f cg'kft sfod ug'{kg]{ a+}ssf] cg'kft
Go'gtd ;fdfGo OlSj6L k"FhL cg'kft 4.50% 7.65%
k"FhL Conservation Buffer 2.50% 2.50%
Go'gtd ;fdfGo OlSj6L / k"FhL Conservation Buffer 7.00% 10.15%
Go'gtd Tier ! k"FhL -k"FhL Conservation Buffer afx]s_ 6.00% 7.65%
Go'gtd s'n k"FhL -k"FhL Conservation Buffer afx]s_ 8.50% 10.83%
Go'gtd s'n k"FhL -k"FhL Conservation Buffer ;lxt_ 11.00% 13.33%
Leverage cg'kft 4.00% 7.57%

%= jt{dfg / eljiosf ultljlwx?nfO{ ;dy{g ug{ a}+ssf] k"FhL kof{Kttf cf+sng ug{ a}+ssf] cfGtl/s b[li6sf]0fsf] ;f/f+z .
a+}sn] s'g}klg Joj;fo cGt{ut lg0f{o lnFbf Internal Capital Adequacy Assessment Process (ICAAP) / hf]lvd Joj:yfkg
;DaGwL dfu{bz{g sfof{Gjog u/]sf] x'G5 . k"FhLsf] l:ylt sfod /fVg tyf Joj;fodf :yL/tf ;'lglZrt ug{ a}+sn] ICAAP
cg';f/ cuf8L j9]sf] 5 . hf]lvd Joj:yfkg ;du| a}+lsË Joj;fosf] enfO{sf] nflu cfjZos 5 . shf{, ;~rfng tyf ahf/
hf]lvd :jtGq?kdf PgPdla a+}sn] cfkm} Joj:yfkg ub{5 . shf{ hf]lvd ljefun] shf{x? k|bfg ug{' cufj} shf{;Fu ;DalGwt
;Dk"0f{ hf]lvdsf] ;ldIff ub{5 . of] ljefu Ps :jtGq shf{sf] hf]lvd x]g]{ ljefu xf] . shf{ hf]lvd Joj:yfkg ;ldltn]
dlxgfsf] Psk6s shf{ kf]6{kmf]lnof]sf] hf]lvdsf] ;ldIff ub{5 . ;~rfng hf]lvdsf] glhsaf6 lgu/fgL ul/G5 / ALCO dfkm{t
Joj:yfkg ul/G5 . shf{ hf]lvd Joj:yfkg ;ldltn] ljleGg PsfO{ tyf zfvfx?df x'g ;Sg] ;~rfng hf]lvdsf] klxrfg÷
lgu/fgL ub{5 . k|lqmof tyf lgoGq0fsf] k|efjsf/L sfof{Gjogsf] nflu ;~rfng hf]lvd PsfO{åf/f ;do ;dodf ;ldIff ub}{ cfPsf]
5 . ;~rfng hf]lvd PsfO{n] zfvf tyf PsfO{x?sf] lgoGq0f sdhf]/Lsf] -Control weakness_ ;ldIff, hf]lvd If]qx? jl/k/L
alnof] lgoGq0fsf nflu l;kmfl/; tyf lg/Gt/ ?kdf lgoGq0f sfof{Gjogsf] ;ldIff ub{5 .
a}+sn] g]kfn /fi6« a}+ssf] lgb]{zg adf]lhd u}/ sfo{sf/L ;~rfnssf] ;+of]hsTjdf yk Pshgf u}/ sfo{sf/L ;~rfns ;b:o
/ cfGtl/s n]vfk/LIf0f ljefusf k|d'v ;b:o ;lrj /xg] ul/ n]vfk/LIf0f ;ldlt u7g ul/Psf] 5 . n]vfk/LIf0f ;ldltn]
g]kfn /fi6« a}+sn] n]vfk/LIf0f ;ldltsf] nflu tf]s]sf] lgb]{zgsf] kl/lwleq /xL cfkm\gf] sfo{ ;Dkfbg ub}{ cfPsf] 5 .
n]vfk/LIfsaf6 k|fKt k|To]s k|ltj]bgsf ;DaGwdf n]vfk/LIf0f ;ldltdf 5nkmn tyf k'g/fjnf]sg u/L ;'wf/sf] nflu cfjZos
lgb]{zg lbg] u/]sf] 5 . ;ldltn] n]vfk/LIf0f sfo{af6 k|To]s hf]lvdsf If]qx?nfO{ klxrfg u/L k|ltj]bgdf ;f]sf] ;Daf]wg
eP gePsf] eGg] ljifodf ljZj:t x'g] u/]sf] 5 . n]vfk/LIfsaf6 k|fKt ePsf] k|ltj]bgnfO{ n]vfk/LIf0f ;ldltdf 5nkmn tyf
k'g/fjnf]sg u/L ;do ;dodf ;~rfns ;ldltdf k]z ug]{ ul/Psf] 5 . n]vfk/LIf0f ;ldltaf6 lgoldt ?kdf ;~rfns
;ldltdf ;'emfjx? k|fKt eO{ /x]sf] 5 .
Pshgf u}/ sfo{sf/L ;~rfnssf] ;+of]hsTjdf a}+sdf hf]lvd Joj:yfkg ;ldltsf] u7g ul/Psf] 5 . n]vfk/LIf0f ;ldltsf
;+of]hsnfO{ hf]lvd Joj:yfkg ;ldltdf kb]g ;b:osf] ?kdf /flvPsf] 5 . lrkm sDKnfoG; / lrkm ck/]zg clkm;/
;b:ox? / hf]lvd Joj:yfkg ljefusf k|d'v ;b:o ;lrj /xg' ePsf] 5 . Joj:yfkg txsf] hf]lvd ;ldltn] klxrfg
u/]sf hf]lvdx?, g]kfn /fi6« a}+saf6 hf/L ePsf] lgb]{zgx?df x'g] d'Vo kl/jt{gx? tyf df}lb|s gLltdf ePsf kl/jt{gx?sf]
sf/0faf6 a}+ssf] /0fgLltdf tTsfn} kg]{ k|efjx? tyf k"FhL sf]if, t/ntfsf] cj:yf, shf{ lgIf]k cg'kft, a}+ssf] hf]lvd jxg
Ifdtf nufotsf d'Vo ljifox?df 5nkmn ug{ o; ;ldltsf] a}7s a:g] u/]sf] 5 .

kl5Nnf] C0fkq hf/L ubf{sf] k|If]lkt tyf jf:tljs jf;nft aLrsf] t'ngf
? xhf/df
km/ssf] sf/0f -@) k|ltzt eGbf
ljj/0f k|If]lkt jf:tljs kl/is[t km/s k|ltztdf
dflysf nflu_
cf=j= @)&(÷*) cf=j= @)&(÷*) cf=j= @)&(÷*)
;DklQx?
;DklQx?
5f]6f] cjlwsf] nufgL a9]sf]
gub tyf gub ;dfg 15,618,020 23,958,280 35%
sf/0f
g]kfn /fi6« a}+saf6 lng afFsL 14,037,382 15,059,501 7%
a}+s tyf ljQLo ;+:yfdf /x]sf] df}Hbft d'Vo sf/0f cNksfnLg nufgLdf
13,183,295 755,846 -1644%
(Placement) ePsf] j[l4
8]l/e]l6e l:ylt df j[l4sf]
8]l/e]l6e ljQLo pks/0f 5,406,054 10,850,079 50%
sf/0f
ahf/ lgdf{tfsf] ¿kdf, aG8 6«]8
cGo Jofkfl/s ;DklQx? - 24,750 -100%
ul/Psf]
a}+s tyf ljQLo ;+:yfx?nfO{ shf{ ;fk6L 6,524,714 7,116,529 8%
u|fxsnfO{ shf{ tyf ;fk6L 207,949,495 189,035,400 -10%
lwtf]kqdf nufgL 30,297,284 32,374,915 6%
rfn' s/ ;DklQ 50,000 44,948 -11%
PgPdla ;]So'l/l6h ln=df ePsf]
;xfos sDkgLdf nufgL 572,488 772,488 26%
nufgLsf] sf/0fn]
;Da4 sDkgLdf nufgL - -
nufgL ;DklQx? 97,942 697,708 86% NBA a'lsª a9]sf] sf/0f
;DklQ tyf pks/0f 1,782,055 1,752,799 -2%
s'g} cltl/Qm ;6j]o/ vl/b
VoftL tyf cd't{ ;DklQ 271,574 178,690 -52%
5}g
:yug s/ ;DklQ 359,965 448,411 20%
cGo ;DklQ 3,968,869 4,706,797 16%
s"n ;DklQ 300,119,138 287,777,141 -4%
bfloTjx? - -
a}+s tyf ljQLo ;+:yfnfO{ ltg{ afFsL 2,795,046 2,737,258 -2%
g]kfn /fi6« a}+snfO{ ltg{ jfFsL 7,146,735 3,285,987 -117% /fi6« a}+saf6 C0f lng]df sdL
8]l/e]l6e ljQLo pks/0fx? 5,464,595 11,060,345 51% 8]l/e]l6e l:yltdf j[l4sf] sf/0f
u|fxssf] lgIf]k 213,395,954 210,304,687 -1%
;fk6L 23,035,530 14,814,903 -55% sd ljb]zL C0fsf] sf/0f
rfn' s/ bfloTj - -
Joj:yf - -
:yug s/ bflot - -
k§f / cGo bfloTjsf] a'ls+usf]
cGo bfloTj 3,786,114 5,227,597 28%
sf/0f
hf/L ul/Psf] C0fkq 15,127,854 11,911,942 -27% sd l8a]Gr/sf] sf/0f
;'/If0f g/flvPsf] ;xfos cfjlws bfloTj - -
s"n bfloTj 270,751,827 259,342,719 -4%
OSjLl6 - -
z]o/ k"FhL 18,366,706 18,366,706 0%
z]o/ lk|ldod - -
gfkmf / lgofds ljlgof]hgdf
;+lrt gfkmf 2,645,755 1,140,830 -132%
kl/jt{gsf] sf/0f
hu]8f sf]ifx? 8,354,849 8,926,885 6%
z]o/ wgLx?nfO{ jfF8kmfF8 of]Uo s'n OlSj6L 29,367,311 28,434,421 -3%
hDdf bfloTj / OlSj6L 300,119,138 287,777,141 -4%

kl5Nnf] C0fkq hf/L ubf{sf] k|If]lkt tyf jf:tljs gfkmf gf]S;fg lx;fa aLrsf] t'ngf
? xhf/df
k|If]lkt jf:tljs kl/is[t km/s k|ltztdf km/s k|ltztdf
ljj/0f
cf=j= @)&(÷*) cf=j= @)&(÷*) cf=j= @)&(÷*)
Aofh cfDbfgL 24,582,331 26,622,460 8%
Aofh vr{ 16,560,339 18,280,000 9%
v'b Aofh cfDbfgL 8,021,992 8,342,460 4%
z'Ns tyf sldzg cfDbfgL 1,916,194 1,833,473 -5%
z'Ns tyf sldzg vr{ 227,918 286,611 20%
v'b z'Ns / sldzg cfDbfgL 1,688,276 1,546,862 -9%
v'b Aofh, z'Ns / sldzg cfDbfgL 9,710,268 9,889,321 2%
v'b Jofkf/ cfDbfgL 274,360 236,285 -16%

;DklQsf] laqmL / nfef+z
cGo ;+rfng cfDbfgL 362,623 204,147 -78%
cfDbfgLdf sdLsf] sf/0f
hDdf ;+rfng cfDbfgL 10,347,251 10,329,753 0%
shf{sf] Iflt k|ef/÷-ljkoo{_ tyf cGo xfgL 193,742 1,453,821 87% NPL a9]sfn]
v'b ;+rfng cfDbfgL 10,153,509 8,875,933 -14%
;+rfng vr{ -
sd{rf/L vr{ 2,891,164 2,689,175 -8%
cGo ;+rfng vr{ 1,219,241 1,192,034 -2%
x|f; s6\6L / kl/zff]wg 320,210 319,402 0%
;+rfng gfkmf 5,722,893 4,675,322 -22%
u}/ ;+rfng cfDbfgL - 9,986 100% ckn]vg ul/Psf] shf{sf] c;'nL

u}/ ;+rfng vr{ 15,761 76,148 79% shf{ ckn]vg a9]sfn]
cfo s/ cl3sf] gfkmf 5,707,132 4,609,159 -24%
cfos/ vr{
rfn' s/ 1,716,530 1,434,848 -20%
pkbfgn] ubf{ :yug s/ ;DklQ
:yug s/ vr{÷-cfDbfgL_ -21,000 -48,236 56%
;[hgf ePsf]
o; cjlwsf] gfkmf 4,011,602 3,222,547 -24%
d'Votof z]o/sf] d"No
cGo lj:t[t cfDbfgL (76,245) (142,824) 47%
kl/jt{gsf] sf/0f
s'n lj:t[t cfDbfgL 3,935,357 3,079,723 -28% dflysf] sf/0fn] ubf{

t];f]{ ljZn]if0f -Horizontal Analysis_
ljQLo cj:yfsf] ljj/0f /sd ?=df
cf=j= @)&*
cf=j= @)&(÷*) cf=j=@)&( sf] cf=j= @)&*÷&( cf=j= @)&&÷&*
ljj/0f sf] t'ngfdf
cfiff9 d;fGt @)*) t'ngfdf @)*) cfiff9 d;fGt @)&( cfiff9 d;fGt @)&*
@)&(
;DklQ
gub tyf gub ;dfg 23,958,279,935 87% 12,787,637,052 -8% 13,887,370,526
g]kfn /fi6« a}+sdf /x]sf] df}Hbft 15,059,500,883 10% 13,747,313,630 -28% 19,218,505,528
a}+s tyf ljQLo ;+:yfdf /x]sf] df}Hbft 755,846,186 -80% 3,782,288,743 39% 2,717,148,715
8]l/e]l6e -Jo"TkGg_ ljQLo pks/0f 10,850,079,131 105% 5,293,773,328 -69% 17,161,392,134
cGo Jofkfl/s ;DklQx? 24,750,000 #DIV/0! - -100% 2,660,000
a}+s tyf ljQLo ;+:yfx?nfO{ shf{ ;fk6L 7,116,529,163 20% 5,920,094,816 14% 5,194,470,677
u|fxsnfO{ shf{ tyf ;fk6L 189,035,400,388 8% 174,948,356,284 16% 151,014,123,921
lwtf]kqdf nufgL 32,374,914,828 2% 31,724,846,753 82% 17,453,562,933
rfn' s/ ;DklQ 44,947,624 -19% 55,328,905 100% 92,745,534
;lJ;8/L -;xfos_sDkgLdf nufgL 772,487,600 107% 372,487,600 0% 372,487,600
;DjGw sDkgLdf nufgL - - -
nufgL ;DklQx? 697,707,520 136% 295,161,520 201% 97,942,260
;DklQ / pks/0f 1,752,799,263 -1% 1,764,130,341 1% 1,741,914,965
VoftL tyf cd't{ ;DklQ 178,689,829 -21% 226,513,150 101% 112,540,746
:yug s/ ;DklQ 448,411,030 32% 338,964,764 36% 249,009,565
cGo ;DklQ 4,706,797,314 21% 3,893,713,394 75% 2,230,983,328
hDdf ;DklQ 287,777,140,694 13% 255,150,610,280 10% 231,546,858,432

bfloTjx?
a}+s tyf ljQLo ;+:yfnfO{ ltg{ afFsL 2,737,257,510 31% 2,082,436,338 6% 1,964,515,728
g]kfn /fi6« a}+snfO{ ltg{ afFsL 3,285,987,203 -63% 8,996,366,529 18% 7,597,982,045
8]l/e]l6e -Jo"TkGg_ ljQLo pks/0fx? 11,060,344,567 107% 5,351,098,092 -69% 17,127,036,376
u|fxsaf6 lgIf]k bfloTj 210,304,687,147 14% 184,817,106,463 12% 164,489,285,837
;fk6L 14,814,903,379 14% 12,997,400,000 100% 7,443,810,000
rfn' s/ bfloTj - - -
Joj:yf - - -
:yug s/ bfloTj - - -
cGo bfloTj 5,227,597,491 -12% 5,907,387,378 60% 3,686,459,641
hf/L ul/Psf] C0f kq 11,911,942,000 47% 8,127,853,522 54% 5,293,994,350
s"n bfloTj 259,342,719,296 14% 228,279,648,322 10% 207,603,083,977
k"FhL
z]o/ k"FhL 18,366,705,959 0% 18,366,705,959 12% 16,325,960,853
z]o/ lk|ldod - - - -
;+lrt gfkmf 1,140,830,240 -26% 1,550,781,367 -38% 2,515,343,348
hu]8f 8,926,885,198 28% 6,953,474,633 36% 5,102,470,254
z]o/ wgLx?nfO{ jfF8kmfF8 ug]{ s'n OlSj6L 28,434,421,397 6% 26,870,961,958 12% 23,943,774,455
u}/ lgolGqt :jfy{ (Non Controlling Interest)

hDdf k"FhL 28,434,421,397 6% 26,870,961,958 12% 23,943,774,455
hDdf bfloTj / k"FhL 287,777,140,694 13% 255,150,610,280 10% 231,546,858,432

t];f]{ ljZn]if0f -Horizontal Analysis_
gfkmf gf]S;fg ljj/0f /sd ?=df
cf=j= @)&(
cf=j= @)&(÷*) cf=j= @)&*÷&( cf=j= @)&* sf] cf=j= @)&&÷&*
ljj/0f sf] t'ngfdf
cfiff9 d;fGt @)*) cfiff9 d;fGt @)&( t'ngfdf @)&( cfiff9 d;fGt @)&*
@)*)
Aofh cfDbfgL 26,622,460,214 39% 19,168,862,594 37% 13,983,693,533
Aofh vr{ 18,280,000,292 43% 12,781,322,752 54% 8,323,034,232
v'b Aofh cfDbfgL 8,342,459,922 31% 6,387,539,842 13% 5,660,659,301
z'Ns tyf sldzg cfDbfgL 1,833,472,617 9% 1,689,472,559 43% 1,177,641,945
z'Ns tyf sldzg vr{ 286,611,105 33% 216,241,035 57% 138,024,766
v'b z'Ns / sldzg cfDbfgL 1,546,861,512 5% 1,473,231,524 42% 1,039,617,179
v'b Aofh, z'Ns / sldzg cfDbfgL 9,889,321,434 26% 7,860,771,366 17% 6,700,276,480
v'b Jofkf/ cfDbfgL 236,285,430 -13% 272,406,509 -25% 364,108,314
cGo ;+rfng cfDbfgL 204,146,509 -50% 406,766,685 16% 351,973,665
hDdf ;+rfng cfDbfgL 10,329,753,373 21% 8,539,944,560 15% 7,416,358,459
shf{sf] Iflt k|ef/÷-ljkoo{_ tyf cGo xfgL 1,453,820,570 -4005% (37,225,724) -110% 382,410,393
v'b ;+rfng cfDbfgL 8,875,932,803 3% 8,577,170,284 22% 7,033,948,066
;+rfng vr{
sd{rf/L vr{ 2,689,175,176 6% 2,539,345,989 22% 2,089,704,278
cGo ;+rfng vr{ 1,192,033,693 10% 1,087,916,122 27% 853,748,763
x|f; s6\6L / kl/zff]wg 319,402,402 10% 290,521,503 8% 269,478,145
;+rfng gfkmf 4,675,321,533 0% 4,659,386,670 22% 3,821,016,879
u}/ ;+rfng cfDbfgL 9,985,780 276% 2,656,853 -93% 39,071,786

u}/ ;+rfng vr{ 76,148,097 63% 46,755,749 207% 15,212,626
cfo s/ cl3sf] gfkmf 4,609,159,216 0% 4,615,287,774 20% 3,844,876,039
cfos/ vr{
rfn' s/ 1,434,847,884 0% 1,435,199,261 21% 1,185,623,109
:yug s/ vr{÷-cfDbfgL_ (48,235,961) -57% (111,005,657) 114% (51,820,778)
o; cjlwsf] gfkmf 3,222,547,292 -2% 3,291,094,170 21% 2,711,073,708

7f8f] ljZn]if0f (Vertical Analysis)
ljQLo cj:yfsf] ljj/0f /sd ?=df
cf=j= @)&(÷*)
cf=j= @)&*÷&( cf=j= @)&&÷&*
ljj/0f cfiff9 d;fGt % cfiff9 d;fGt @)&( % cfiff9 d;fGt @)&* %
@)*)
;DklQ
gub tyf gub ;dfg 23,958,279,935 8% 12,787,637,052 5% 13,887,370,526 6%
g]kfn /fi6« a}+sdf /x]sf] df}Hbft 15,059,500,883 5% 13,747,313,630 5% 19,218,505,528 8%
a}+s tyf ljQLo ;+:yfdf /x]sf] df}Hbft 755,846,186 0% 3,782,288,743 1% 2,717,148,715 1%
8]l/e]l6e -Jo"TkGg_ ljQLo pks/0f 10,850,079,131 4% 5,293,773,328 2% 17,161,392,134 7%
cGo Jofkfl/s ;DklQx? 24,750,000 0% - 0% 2,660,000 0%
a}+s tyf ljQLo ;+:yfx?nfO{ shf{ ;fk6L 7,116,529,163 2% 5,920,094,816 2% 5,194,470,677 2%
u|fxsnfO{ shf{ tyf ;fk6L 189,035,400,388 66% 174,948,356,284 69% 151,014,123,921 65%
lwtf]kqdf nufgL 32,374,914,828 11% 31,724,846,753 12% 17,453,562,933 8%
rfn' s/ ;DklQ 44,947,624 0% 55,328,905 0% 92,745,534 0%
;lJ;8/L -;xfos_sDkgLdf nufgL 772,487,600 0% 372,487,600 0% 372,487,600 0%
;DjGw sDkgLdf nufgL - 0% - 0% - 0%
nufgL ;DklQx? 697,707,520 0% 295,161,520 0% 97,942,260 0%
;DklQ / pks/0f 1,752,799,263 1% 1,764,130,341 1% 1,741,914,965 1%
VoftL tyf cd't{ ;DklQ 178,689,829 0% 226,513,150 0% 112,540,746 0%
:yug s/ ;DklQ 448,411,030 0% 338,964,764 0% 249,009,565 0%
cGo ;DklQ 4,706,797,314 2% 3,893,713,394 2% 2,230,983,328 1%
hDdf ;DklQ 287,777,140,694 100% 255,150,610,280 100% 231,546,858,432 100%
bfloTjx?
a}+s tyf ljQLo ;+:yfnfO{ ltg{ afFsL 2,737,257,510 1% 2,082,436,338 1% 1,964,515,728 1%
g]kfn /fi6« a}+snfO{ ltg{ afFsL 3,285,987,203 1% 8,996,366,529 4% 7,597,982,045 3%
8]l/e]l6e -Jo"TkGg_ ljQLo pks/0fx? 11,060,344,567 4% 5,351,098,092 2% 17,127,036,376 7%
u|fxsaf6 lgIf]k bfloTj 210,304,687,147 73% 184,817,106,463 72% 164,489,285,837 71%
;fk6L 14,814,903,379 5% 12,997,400,000 5% 7,443,810,000 3%
rfn' s/ bfloTj - 0% - 0% - 0%
Joj:yf - 0% - 0% - 0%
:yug s/ bfloTj - 0% - 0% - 0%
cGo bfloTj 5,227,597,491 2% 5,907,387,378 2% 3,686,459,641 2%
hf/L ul/Psf] C0f kq 11,911,942,000 4% 8,127,853,522 3% 5,293,994,350 2%
s"n bfloTj 259,342,719,296 90% 228,279,648,322 89% 207,603,083,977 90%
k"FhL
z]o/ k"FhL 18,366,705,959 6% 18,366,705,959 7% 16,325,960,853 7%
z]o/ lk|ldod - 0% - 0% - 0%
;+lrt gfkmf 1,140,830,240 0% 1,550,781,367 1% 2,515,343,348 1%
hu]8f 8,926,885,198 3% 6,953,474,633 3% 5,102,470,254 2%
z]o/wgLx?nfO{ jfF8kmfF8 ug]{ s'n OlSj6L 28,434,421,397 10% 26,870,961,958 11% 23,943,774,455 10%
u}/ lgolGqt :jfy{ (Non Controlling
Interest)
hDdf k"FhL 28,434,421,397 10% 26,870,961,958 11% 23,943,774,455 10%
hDdf bfloTj / k"FhL 287,777,140,694 100% 255,150,610,280 100% 231,546,858,432 100%

7f8f] ljZn]if0f (Vertical Analysis)
gfkmf gf]S;fg ljj/0f /sd ?=df
cf=j= @)&(÷*)
cf=j= @)&*÷&( cf=j= @)&&÷&*
ljj/0f cfiff9 d;fGt % cfiff9 d;fGt @)&( % cfiff9 d;fGt @)&* %
@)*)
Aofh cfDbfgL 26,622,460,214 100% 19,168,862,594 100% 13,983,693,533 100%
Aofh vr{ 18,280,000,292 69% 12,781,322,752 67% 8,323,034,232 60%

v'b Aofh cfDbfgL 8,342,459,922 31% 6,387,539,842 33% 5,660,659,301 40%
z'Ns tyf sldzg cfDbfgL 1,833,472,617 7% 1,689,472,559 9% 1,177,641,945 8%
z'Ns tyf sldzg vr{ 286,611,105 1% 216,241,035 1% 138,024,766 1%
v'b z'Ns / sldzg cfDbfgL 1,546,861,512 6% 1,473,231,524 8% 1,039,617,179 7%
v'b Aofh, z'Ns / sldzg cfDbfgL 9,889,321,434 37% 7,860,771,366 41% 6,700,276,480 48%
v'b Jofkf/ cfDbfgL 236,285,430 1% 272,406,509 1% 364,108,314 3%
cGo ;+rfng cfDbfgL 204,146,509 1% 406,766,685 2% 351,973,665 3%
hDdf ;+rfng cfDbfgL 10,329,753,373 39% 8,539,944,560 45% 7,416,358,459 53%
shf{sf] Iflt k|ef/÷-ljkoo{_ tyf cGo xfgL 1,453,820,570 5% (37,225,724) 0% 382,410,393 3%
v'b ;+rfng cfDbfgL 8,875,932,803 33% 8,577,170,284 45% 7,033,948,066 50%
;+rfng vr{
sd{rf/L vr{ 2,689,175,176 10% 2,539,345,989 13% 2,089,704,278 15%
cGo ;+rfng vr{ 1,192,033,693 4% 1,087,916,122 6% 853,748,763 6%
x|f; s6\6L / kl/zff]wg 319,402,402 1% 290,521,503 2% 269,478,145 2%
;+rfng gfkmf 4,675,321,533 18% 4,659,386,670 24% 3,821,016,879 27%
u}/ ;+rfng cfDbfgL 9,985,780 0% 2,656,853 0% 39,071,786 0%
u}/ ;+rfng vr{ 76,148,097 0% 46,755,749 0% 15,212,626 0%
cfo s/ cl3sf] gfkmf 4,609,159,216 17% 4,615,287,774 24% 3,844,876,039 27%
cfos/ vr{ 0%
rfn' s/ 1,434,847,884 5% 1,435,199,261 7% 1,185,623,109 8%
:yug s/ vr{÷-cfDbfgL_ (48,235,961) 0% (111,005,657) -1% (51,820,778) 0%
o; cjlwsf] gfkmf 3,222,547,292 12% 3,291,094,170 17% 2,711,073,708 19%

@*cf}+ jflif{s ;fwf/0f ;efdf laz]if k|:tfjsf] ?kdf k]z x'g]
k|aGwkq tkm{sf] ;+zf]wgsf] tLgdxn .
ljBdfg
bkmf k|:tfljt Aoj:yf ;+zf]wgsf] cf}lrTo
Joj:yf
-^_ ;xfos sDkgL :yfkgf u/L jf gu/L
bkmf %
;"rgf k|ljlw, ljB'tLo e'QmfgL, ljB'tLo e'QmfgL ;'rgf k|ljlwsf] ljsf;;+u} a}+lsË
-ss_ sf]
gePsf] k|bfos ;]jf, jfn]6 Joj:yfkg ;]jf, l8lh6n sf/f]af/sf] bfo/f lj:tf/ ug{ cfjZos
% kl5 ^
a}+s nufot ljB'tLo dfWodaf6 ul/g] ;Dk"0f{ ePsfn] .
yk
sf/f]af/ ug]{ .
bkmf %
a}+snfO{ Joj;fo lj:tf/ ug]{ qmddf jf
-ss_ sf] -&_ ljb]zL a}+s tyf ljQLo ;+:yfx? dfkm{t
gePsf] yk ;an Pj+ ;Ifd agfpgsf nflu yk
^ kl5 & nufgL÷O{lSj6L leq\ofO{ Joj;fo lj:tf/ ug]{ .
k"FhL cfjZos x'g] ePsfn] .
yk

g]kfn /fi6« a}+saf6 cfly{s jif{ @)&(÷*) sf]
ljQLo ljj/0f k|sfzg ;DaGwdf
PgPdla a}+snfO{ k|fKt lgb]{zg pk/sf] hjfkm M
!= n]vfk/LIf0f k|ltj]bgdf pNn]v ul/Psf s}lkmotx?nfO{ k|fyldstfdf /fVb} ;'wf/ ul/Psf] / To:tf s}lkmotx? bf]xf]l/g
glbg Joj:yf ldnfpg] hfgsf/L u/fpFb5f}+ .

l6kf]6

l6kf]6

sfo{sf/L Joj:yfkg ;d"x
;'lgn s]=;L=
k|d'v sfo{sf/L clws[t
;'b]z pkfWofo uf]ljGb l3ld/] k|df]b s'df/ bfxfn

gfoa k|d'v sfo{sf/L clws[t gfoa k|d'v sfo{sf/L clws[t k|d'v ;+rfng clws[t
tyf sDkgL ;lrj
gljg dfgGw/ >Lh]z l3ld/] 8f= a'l4 s'df/ dNn

k|d'v hf]lvd clws[t k|d'v nufgL clws[t k|d'v ;fgf, demf}nf tyf
cg'bfg shf{ clws[t
/f]zg /]UdL k'ikf cof{n

k|d'v l/6]n a}+lsË clws[t k|d'v 6«]8 kmfO{gfG;
zfvf ;+hfn
sf]zL k|b]z afudtL k|b]z u08sL k|b]z n'lDagL k|b]z s0ff{nL k|b]z
w/fg, ;'g;/L aa/dxn, sf7df8f}F kf]v/f, sf:sL a'6jn, ?kGb]xL b}n]v ahf/, b}n]v
lj/f6gu/, df]/Ë ag]kf, sfe]|knf~rf]s jflnË, :ofªhf g]kfnu+h, a“fs] la/]Gb|gu/, ;'v]{t
ljtf{df]8, emfkf Kf'tln;8s, sf7df8f}F a'lt{jfª, afUn'Ë 6«flkms rf]s, a'6jn, ?kGb]xL gf}d'n], b}n]v
pnf{jf/L df]/Ë n'e', nlntk'/ a]gL, DofUbL dgLu|fd, ?kGb]xL
j]naf/L, df]/Ë y}j, nlntk'/ sfjf;f]tL, gjnk'/ lhtk'/, slknj:t' ;'b'/klZrd k|b]z
t/x/f, ;'g;/L 7d]n, sf7df8f}F ;lb{au}+rf, gjnk'/ km;f{lS6s/, ?kGb]xL
ky/L, df]/Ë Go'/f]8, sf7df8f}F lrKn]9'Ëf, kf]v/f ;'gjn, gjnk/f;L wgu9L rf}/fx, s}nfnL
b'w], emfkf s'df/Lkf6L, nlntk'/ au/, kf]v/f d'uL{of, ?kGb]xL lbkfon, 8f]6L
n]6fË, df]/Ë rfjlxn, sf7df8f}F cd/l;+x, kf]v/f rGb|f}6f, slkna:t' nDsL, s}nfnL
s]/faf/L, df]/Ë lsg]{, bf]nvf x]Dhf, sf:sL 7'6Llkkn, ?kGb]xL d;'l/of, s}nfnL
s~rgaf/L, df]/Ë dGynL, /fd]5fk ledfb ahf/, tgxF' r'qfj];L ahf/, c3f{v“frL dx]Gb|gu/, s~rgk'/
dw'dNnf, df]/Ë sflGtky, sf7df8f}F ef]6]cf]8f/, ndh'Ë enjf/L, ?kGb]xL s]= cfO{= l;+x, 8f]6L
rGb|u9L, emfkf a'4rf]s, e/tk'/, lrtjg ;kmf ;8s, bdf}nL, tgx'F Rff/gDa/, ?kGb]xL a]n8“f8L, s~rgk'/
O6x/L, ;'g;/L w'Gr], /;'jf gfu8“f8f, sf:sL uf]?l;+u], slknj:t' cQ/Lof, s}nfnL
s]vf{, df]/Ë ;'o{ljgfos, eQmk'/ t't'{/], tgx'“ cfo{e~HofË, kfNkf emn/L, s~rgk'/
lkmlbd, k“fry/ sn+sL, sf7df8f}F rfd], dgfË tD3f;, u'NdL wgu9L d]g /f]8, s}nfnL
s6f/L, pbok'/ a;'Gwf/f, sf7df8f}F l;;'jf, sf:sL 8«fOe/ 6f]n, ?kGb]xL k'gjf{;, s~rgk'/
lj/]Gb| rf]s, tfKn]h'Ë l;tfkfO{nf, sf7df8f}F afUn'Ë ahf/, afUn'Ë aGufO{, slkna:t' 88]Nw'/f ahf/, 88]Nw'/f
;Nn]/L, ;f]n'v'Da' yfkfynL, sf7df8f}F nfdfrf}/, kf]v/f e}/xjf, ?kGb]xL b}hL, s~rgk'/
bds, emfkf gS;fn, sf7df8f}F alGbk'/, tgx'“ tfg;]g, kfNkf a]nf}/L, s~rgk'/
ufO{3f6, pbok'/ 6]s', sf7df8f}F s'lZd;]/f, afUn'Ë sf]xnk'/, a“fs] ;'v8, s}nfnL
O{nfd ahf/, O{nfd Kf'Nrf]s, nlntk'/ a]lzzx/, ndh'Ë t'n;Lk'/, bfË Aff}gLof, s}nfnL
ef]hk'/ ahf/, ef]hk'/ l6d'/], /;'jf /fdahf/, sf:sL s'l8of lqj]0fL;':tf, gjnk/f;L l6sfk'/, s}nfnL
r'nfr'ln, O{nfd x]6f}+8f, dsjfgk'/ e}/j 6f]n, kf]v/f dfofb]jL ks8L, slknj:t' u'n/Lof, s~rgk'/
w'nfjf/L, emfkf ulN5, wflbË hf]d;f]d, d':tfË ndxL, bfË km'njf/L, s}nfnL
Uff]7u“fp, df]/Ë ltgs'g], sf7df8f}F uNofË, :ofª\hf ab{3f6, gjnk/f;L uf]ynkfgL a}t8L, a}t8L
dx]Gb| rf]s, la/f6gu/ skg, sf7df8f}F n]s;fO8, kf]v/f df8Lrf}/, /f]Nkf
6+sL l;gjf/L, df]/Ë nfoG; rf]s, lrtjg n]vgfy, kf]v/f b]jLgu/, ?kGb]xL
em'Dsf, ;'g;/L e/tk'/, lrtjg uf]/vf ahf/, uf]/vf /fdu|fd, gjnk/f;L
Og?jf, ;'g;/L afub/jf/, sf7df8f}F cf?3f6, uf]/vf tf}lnxjf, slkna:t'
dxf/fhu+h, sf7df8f}F 8'd|], tgx'“ 3f]/fxL, bfË
uf]ndf8L, eQmk'/ b'n]uf}+8f, sf:sL sf/sfFbf], g]kfnu+h, afFs]
dw]z k|b]z af}4, sf7df8f}F cfFa'v}/]gL, tgx'“
lj/u+h, k;f{ d]g/f]8, gf/fo0f3f6, lrtjg dgsfdgf, uf]/vf
hgsk'/, wg'iff k;f{, lrtjg la/f}6f, sf:sL
nfxfg, l;/xf 6“f8L, lrtjg lh/f] lsnf]ld6/, sf:sL
lghu9, af/f rgf}nL, lrtjg u}8fsf]6, gjnk'/
uf]nahf/, l;/xf u+ua', sf7df8f}F Rffpy], sf:sL
alb{af;, dxf]Q/L ;ftbf]af6f], nlntk'/
a§]Zj/, wg'iff go“f afg]Zj/, sf7df8f}F
;'?Ëf, ;Kt/L Ujfsf]{, nlntk'/
;v'jfgGs/s§L, l;/xf aNv', nlntk'/
gj/fhk'/, l;/xf a§f/, g'jfsf]6
cf}/xL, l;/xf u¶f3/, eQmk'/
la>fdk'/, af/f a'9flgns07, sf7df8f}F
kr/f}tf, af/f g}sfk, sf7df8f}F
dxf]Q/L, dxf]Q/L gVv', nlntk'/
;f]gdf, dxf]Q/L afnfh', sf7df8f}F
x+;k'/, wg'iff km'tL{rf]s, e/tk'/, lrtjg
ltnf7L sf]Onf8L, ;Kt/L e08f/f, lrtjg
sn}of, af/f v'lza', sf7df8f}F
dnËjf, ;nf{xL
Uf?8f, /f}tx6
hLtk'/ l;d/f, af/f
ldr}{of, l;/xf
l;/xf, l;/xf
nfnaGbL, ;nf{xL
xl/jg, ;nf{xL
a/xyjf, ;nf{xL
rGb|k'/, /f}tx6
Bank of the Year, ASIA 2021

Bank of the Year, Nepal
150 PgPdla2017,
a}+s lnld6]
2018,8 -jflif{
2020 s k|&
ltj]2021
bg @)&(–*)_

9739-Nmb-nepali_anual-report 2080_final Dec 24 Web

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kjg s'df/ uf]Nof0f

lgsf] lkn hLjg s'df/ s6\jfn of]u]Gb| nfn k|wfg

pQd Enf]g lzl/if s'df/ d'/f/sf aGbgf kf7s

k|bLk /fh kf08] k|df]b s'df/ bfxfn

>L ;~rfns ;ldlt,

k|ltlglw lgo'Qm ePsf] JolQmsf]M

z]o/wgLsf] gfdM ================================================================================================================================ s"n z]o/ ;+VofM =====================================================================

PgPdla a}+s lnld6]8 -jflif{s k|ltj]bg @)&(–*)_ 3

c¶fO{;f}+ jflif{s ;fwf/0f ;ef;DaGwL ;"rgf ^

PgPdla a}+s lnld6]8 -jflif{s k|ltj]bg @)&(–*)_ 5

6 PgPdla a}+s lnld6]8 -jflif{s k|ltj]bg @)&(–*)_

;~rfns ;ldltsf ;b:osf] lgjf{rg;DaGwL yk hfgsf/L

PgPdla a}+s lnld6]8 -jflif{s k|ltj]bg @)&(–*)_ 7

8 PgPdla a}+s lnld6]8 -jflif{s k|ltj]bg @)&(–*)_

PgPdla a}+s lnld6]8 -jflif{s k|ltj]bg @)&(–*)_ 9

!= ;ldIff jif{sf] sf/f]af/sf] l;+xfjnf]sg M

shf{ tyf ;fk6M

10 PgPdla a}+s lnld6]8 -jflif{s k|ltj]bg @)&(–*)_

k'FhLsf]if, shf{ lgIf]k, cfwf/ Aofhb/ / t/ntf cg'kft M

shf{ hf]lvd Aoj:yf M

PgPdla a}+s lnld6]8 -jflif{s k|ltj]bg @)&(–*)_ 11

a}+ssf] sfo{If]q tyf zfvf ;~hfn M

ljb]z l:yt ;Dks{ sfof{no M

@= /fli6«o tyf cGt/f{li6«o kl/l:yltaf6 sDkgLsf] sf/f]af/nfO{ k/]sf] c;/M

12 PgPdla a}+s lnld6]8 -jflif{s k|ltj]bg @)&(–*)_

PgPdla a}+s lnld6]8 -jflif{s k|ltj]bg @)&(–*)_ 13

$= cf}Bf]lus tyf Joj;flos ;DaGwM

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

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

*= nfef+z afF8kmfF8 ug{ l;kmfl/; ul/Psf] /sd M

14 PgPdla a}+s lnld6]8 -jflif{s k|ltj]bg @)&(–*)_

2 sn, rNtL tyf d'2tL lgIf]k 183,896 7,982 200,683

sn, rNtL tyf d'2tL lgIf]kdf k|bfg

PgPdla Soflk6n lnld6]8n] sfof{no

PgPdla xfO{la|8 sf]if ! af6 PgPdaL

PgPdla Soflk6n lnld6]8af6 PgPdaL

PgPdla a}+s lnld6]8 -jflif{s k|ltj]bg @)&(–*)_ 15

!^= cfGtl/s lgoGq0f k|0ffnL eP jf gePsf] / ePsf] eP To;sf] lj:t[t ljj/0fM

16 PgPdla a}+s lnld6]8 -jflif{s k|ltj]bg @)&(–*)_

;~rfns ;ldltsf] txdf u7g ePsf ;ldltx? M

n]vf k/LIf0f ;ldlt M

PgPdla a}+s lnld6]8 -jflif{s k|ltj]bg @)&(–*)_ 17

@!= z]o/wgLx?n] a'lemlng afFsL /x]sf] nfef+z /sdM

@%= cGo cfjZos s'/fx? M

PgPdla Soflk6n ln=

18 PgPdla a}+s lnld6]8 -jflif{s k|ltj]bg @)&(–*)_

PgPdla Soflk6n lnld6]8sf] ljQLo cj:yf ljj/0f

FVTPL df dfkg ul/Psf] lwtf]kq nufgL 92,736,216.25 25,228,530.90

FVTOCI df dfkg ul/Psf] lwtf]kq nufgL 85,717,516.60 52,105,000.00

kl/zf]lwt nfutdf dfkg ul/Psf] lwtf]kq nufgL 268,247,360.00 230,000,000.00

cGo ljQLo ;DklQ 40,306,870.33 138,018,924.32

cGo ;DklQ 60,904,326.44 -

;DklQ / pks/0f 33,055,269.29 18,680,066.88

cd"t{ ;DklQ 927,649.35 1,413,848.87

rfn' s/ ;DklQ 8,800,839.30 4,728,537.86

:yug s/ ;DklQ 3,774,300.89 8,313,988.34

hDdf ;DklQ 1,228,834,515.22 1,050,835,907.14

cGo ljQLo bfloTj 87,787,070.48 39,821,399.98

ljj/0f cfiff9 d;fGt @)) cf=j= @)&÷&(