æ;an a}+s, ;kmn ;xsfo{Æ - mahalaxmibank.com · æ;an a}+s, ;kmn ;xsfo{Æ Vision Our Vision is to...

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VisionOur Vision is to become “The Most Trusted Bank” to the customers, to the employees, to the stockholders and to the regulators through the process of continuous innovation and improvement, strong corporate governance and professional work culture.

MissionOur Mission is to offer safety of deposits & render best services to the customers, build the best place to work with, provide best & perpetual returns to the stockholders with the strict compliance to the regulations. The Mission will be accomplished by creating four pillars:Innovation, Improvement, Corporate Governance & Culture.

Objective• Provideexcellenceincustomerservicebyproactiveapproach.• Sellfinancialproductsthatarecompetitivelypriced.• Continue business in an ethical, transparent and responsiblemanner, becoming the role

model of corporate governance.• Deliverstrongfinancialandoperationalefficiencybyimplementingcuttingedgetechnology.• Continuouslyimprovetheassetqualitytoobtainsustainablereturns.• Applycosteffectiveapproachtoreduceoperationalexpenses.• Adoptprofessionalapproachineffectivelymanagingfinancialaswellasnonfinancialrisks.• Buildacentreforcareergrowthtoperformingemployees.• Maximizeprofitabilitybyworkingundertheguidelineofregulatorsandinternalpolicies/

guideline.



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;dLIff jif{ o; ;+:yfsf] nflu pNn]vgLo /x\of] . b'O{ /fli6«o :t/sf ljsf; a}+sx? otL 8]enkd]G6 a}+s ln= / dxfnIdL ljsf; a}+s ln= Ps cfk;df ufleP kZrft k'FhL, lgIf]k / shf{ k|jfxsf lx;fan] g]kfns} 7"nf] ljsf; a}+ssf] ?kdf @)&$ cfiff9 !* ut] b]lv dxfnIdL ljsf; a}+s ln= sf] gfdaf6 cfly{s sf/f]af/ ;'rf? u/]sf 5f}+ .

/fh]z pkfWofo cWoIf

g]kfn /fi6« a}+ssf] k‘'+hL j[l4 ug]{ lgb]{zg cg'?k b'O{ ;+:yf dh{ ePkZrft a}+ssf] k'‘hL ?= @ ca{ ^# s/f]8 k'u]sf] 5 eg] xfn;Dd s'n &! Zffvfx? ;~rfngdf /x]sf 5g\ . /fli6«o:t/sf b'O{ ljsf; a}+sx? ljr ePsf] of] P]ltxfl;s dh{/af6 a}+ssf] k'FhLut cfwf/ alnof] x'g'sf] ;fy} zfvf ;~hfndf j[l4 eO{ Joj;fo lj:tf/ ug]{ bfo/f km/flsnf] x'g uO b]zs} k|d'v ljsf; a}+ssf] ?kdf pleg ;kmn ePsf] 5 . lgofds lgsfosf] ;xof]u, z]o/wgL dxfg'efjx?sf] ;fy tyf ljZjf; Pjd\ sd{rf/Lx?sf] kl/>dsf] sf/0f xfdLn] of] ;kmntf xfl;n ug{ ;s]sf 5f}‘ . o;} qmdnfO{ lg/Gt/tf lb‘b} cfufdL jif{ b]zsf ljleGg :yfgx?df yk zfvf sfof{nox? Vff]ln a}+ssf] zfvf ;ª\Vof *% k'¥ofpg cfjZos u[xsfo{ eO{/x]sf] ;d]t z]o/wgL dxfg'efjx?nfO{ hfgsf/L u/fpg rfxG5' .

cf=j= @)÷&$ df ljk|]if0f cfk|jfxsf] j[l4b/df sdL x'g', ljsf; vr{df j[l4 x'g g;Sg', cfoftdf pNn]vgLo j[l4 x'g', s'n u|fx:y pTkfbgsf] j[l4b/ Go"g x'g' h:tf sf/0fx?n] d'n'ssf] ;du| cfly{s ultljlwdf ;sf/fTds k|efj k/]sf] gb]lvPsf] x'‘bf b]zsf] cy{tGqn] ck]lIft nIo xfl;n ug{ ;ls/x]sf] 5}g . a}+lsË If]qdf ;do ;dodf x'g] t/ntfsf] ptf/ r9fjsf] cj:yfn] lgIf]k tyf shf{sf] Jofhb/ Joj:yfkgdf r'gf}tL ylkPsf] 5 . tyfkL, xfdL oL ;d:ofx?sf] Joj:yfkg ug{ ;Ifd /x]sf 5f}‘ .

cfufdL lbgx?df xfdL ;a}eGbf pTs[i6 / ljZjfl;nf] ljsf; a}+s aGg] p2]Zo lnP/ cufl8 a9L /x]sf 5f}+ . cfk\mgf] p2]Zodf ;kmntf xl;n ug{ xfdLn] d"No dfGotfsf] ;+:yfkgf, pRr ;+:sf/sf] ljsf; tyf :ki6 sfo{of]hgf cª\uLsf/ u/]sf 5f}+ . ;j{;fwf/0f hgtfsf] s8f kl/>daf6 ;[lht lgIf]ksf] ;xL 9ª\un] kl/rfng ug{{ tyf /fli6«o cy{tGqdf of]ubfg k'¥ofpg ;+oldt x'‘b} Joj;fo ;~rfng u/L z]o/wgLnfO{ plrt k|ltkmn k|bfg ug{ xfdL k|ltj4 5f}F . cfk"m a:g] ;dfh k|ltsf] pQ/bfloTjnfO{ ;d]t x[boª\ud\ ub}{ ljleGg ;fdflhs lqmofsnfkx? ;~rfng ub}{ cfPsf 5fF} . o;} qmddf xfdLn] cfufdL lbgdf ædxfnIdL kmfp08];gÆ sf] :yfkgf u/L cfk\mgf ;fdflhs lqmofsnfknfO{ Jojl:yt ug]{ of]hgf agfPsf] ;d]t z]o/wgL dxfg'efjx?nfO{ hfgsf/L u/fpg rfxG5' .

dxfnIdL ljsf; a}+snfO{ a}+lsË If]qdf Pp6f cu|0fL ljsf; a}+ssf] ?kdf :yflkt ub}{ u|fxsju{nfO{ k|bfg ul/g] ;]jf, ;DklQsf] u'0f:t/ tyf hf]lvd Joj:yfkgdf lg/Gt/ Wofg lbO{g] 5 . ljZjf;Lnf] a}+ssf] ?kdf u|fxsju{x?nfO{ u'0f:t/Lo ;]jf k|bfg ug{ cfw'lgs k|ljlwdf ljz]if hf]8 lbO{ gubdf cfwfl/t e'QmfgL tyf sf/f]jf/nfO{ k|ljlwsf ljleGg dfWodaf6 sf/f]jf/ ug]{ k|0ffnL ljsf; ul/Psf] 5 eg] o;nfO{ eljiodf ;d]t lg/Gt/tf k|bfg ul/g] of]hgf /x]sf] Joxf]/f d cfb/0fLo z]o/wgL dxfg'efjx? ;dIf /fVg rfxG5' . a}+ssf] ;du| ljsf;df sd{rf/Lx?sf] cToGt 7"nf] of]ubfg /xg] x'+bf sd{rf/L Joj:yfkgnfO{ k|efjsf/L agfpg tyf sd{rf/Lsf] pTkfbsTj a[l4 ug{ sd{rf/Lx?sf] egf{, 5gf}6 tyf j[lQ ljsf; tk{m a}+sn] ljz]if Wofg lbO{/x]sf] 5 .

cGTodf, cfb/0fLo z]o/wgL dxfg'efjx? k|lt xflb{s s[t1tf k|s6 ub}{ oxf‘x?af6 k|fKt lg/Gt/ ;xof]u tyf ;b\efjsf nflu cfef/ JoQmub}{ ;+rfns ;ldltsf ;b:ox?sf] dfu{bz{g, sd{rf/Lx?sf] kl/>d, lgodgsf/L lgsfox?af6 k|fKt ljZjf; Pj+ ;'emfjx? ljutdf em}F lg/Gt/ sfod} /xg]df ljZj:t 5' . wGojfb Û

9



dxfnIdL lasf; a}+s ln=sf] ;f]x|f}“ jflif{s ;fwf/0f ;efdf k|:t't;~rfns ;ldltsf] jflif{s k|ltj]bg

cfb/0fLo ;]o/wgL dxfg'efjx¿,o; dxfnIdL ljsf; a}+s lnld6]8sf] ;f]x|f}F jflif{s ;fwf/0fefdf xfd|f] cfltYotf :jLsf/ ul/ pkl:yt x'g'ePsf cfb/0fLo z]o/wgL dxfg'efjx?, lgodgsf/L lgsfoaf6 kfNg' ePsf k|ltlgwLx? tyf pkl:yt ;Dk"0f{ dxfg'efjx?nfO{ ;~rfns ;ldltsf] tk{maf6 xflb{s :jfut ug{ rfxG5f}F . k'FhLut cfwf/ ;'b[9 u/L bL3{sfnLg ljsf;sf nfuL cfjZos kg]{ ;|f]t kl/rfng ug{ tyf ljQLo :yfloTj k|a4{g ug{ g]kfn /fi6« a}+saf6 cfly{s jif{ @)&@÷ sf] df}lb|s gLlt dfk{mt a}+s tyf ljQLo ;+:yfx?sf] r'Qmf k'FhL a[l4 ug{ hf/L ePsf] lgb]{zg adf]lhd ævÆ au{sf /fli6«o :t/sf ljsf; a}+sx?sf] Go"gtd r'Qmf kF'hL ?= @ ca{ %) s/f]8 x'g'kg]{ Joj:yf ul/Psf] 5 . o;}u/L g]kfn /fi6« a}+sn] b]zsf] a}lsË If]qnfO{ yk ;Ifd tyf PsLs[t ug{sf nflu a}+s tyf ljQLo ;+:yf lar Ps cfk;df ufEg÷ufleg k|f]T;fxg ug]{ gLlt ;d]t clËsf/ u/]sf] 5 . s]Gb|Lo a}+sn] cjnDag u/]sf oLg} gLltx?nfO{ cfTd;ft ub}{ ;fljssf /fli6«o :t/sf ævÆ ju{sf b'O{ ljsf; a}+sx? qmdzM dxfnIdL ljsf; a}+s ln= / otL 8]enkd]G6 a}+s ln= Ps cfk;df ufleO{ dxfnIdL ljsf; a}+s lnld6]8sf] ?kdf :yflkt x'g k'u]sf] 5 . ldlt @)&$ ;fn ciff9 !* ut] b]lv PsLs[t sf/f]jf/ z'? u/]sf] o; dxfnIdL ljsf; a}+s lnld6]8sf] r'Qmf k'FhL ?= @ ca{ ^# s/f]8 k'Ug uO{ tf]lsPsf] Go"gtd r'Qmf k'FhL tf]lsPsf] ;do cufj} k'/f ug]{ b]zs} klxnf] ljsf; a}+s aGg ;kmn ePsf] Joxf]/f ;xif{ hfgsf/L u/fpg rfxG5f}F . To:t}, ufleP kZrft a}+ssf] Joj;fo, u|fxs cfwf/ tyf zfvf ;~hfndf ;d]t Jofks lj:tf/ eO{ ljsf; a}+ssf] s"n zfvf ;ª\Vof &! k'Ug uPsf] 5 eg] u|fxs cfwf/ sl/a # nfv $) xhf/sf] ;+Vofdf k'Ug uPsf] 5 . lj:tfl/t zfvf ;~hfn tyf u|fxsx? g} Joj;fo j[l4sf] d'Vo ;|f]t /x]sf] tYonfO{ x'boËud\ ub}{ o; ljsf; a}+sn] b]ze/ u/L yk gofF zfvf vf]Ng] k|lqmof cufl8 a9fPsf] ;d]t ;efnfO{ hfgsf/L u/fpg rfxG5f}F .

xfn} b]zdf :yflgo lgsfo, k|b]z ;ef tyf k|ltlglw ;efsf] lgaf{rg ;DkGg eO{ tb\cg'?k ;/sf/ ;d]t u7g eO{;s]sf] x'Fbf b]z /fhg}lts l:y/tf tk{m cuf8L a9\g] qmddf /x]sf] b]lvG5 . /fhg}lts l:y/tf ;Ë ;Ë} cfly{s ;Da[l4sf 9f]sfx? v'Ng] ePsfn] a}+s ljQLo ;+:yfx?nfO{ cfufdL lbgx?df Joj;fo lj:tf/sf] gofF ;Defjgf Pjd\ cj;/x? ;[hgf x'g] cj:yf b]lvPsf] 5 . t;y{ eljiodf b]lvPsf cj;/ / ;Defjgfaf6 nfe lng tyf b]zs} cJan ljsf; a}+ssf] ?kdf :yflkt u/fpg] of]hgfsf ;fy o; ljsf; a}+sn] cfk\mgf] zfvf tyf ;]jfsf] ljljwLs/0fnfO{ lj:tf/ u/L Joj;fo a[l4 ug]{ /0flglt ;d]t lnPsf] 5 .

o; ljsf; a}+ssf] @)&$ ;fn cfiff9 d;fGtsf] jf;nft, cfly{s aif{ @)÷)&$ sf] gfkmf gf]S;fg lx;fj, gfkmf gf]S;fg afF8kmfF8 lx;fj, gub k|jfx ljj/0f, o; cjlwdf a+}sn] xfFl;n u/]sf] pknlAw, ;~rfngdf b]lvPsf r'gf}tLx¿ / ;du| a}+lsË If]qsf] k'g/fjnf]sg ;lxt ;~rfns ;ldltsf] k|ltj]bg nufot cGo ;Dk"0f{ ljQLo ljj/0fx¿ o; ;ef ;dIf k]z u/]sf] 5f}F . a}+lsË If]qsf] ;du| kl/;"rs Pjd\ a}+ssf] ut cfly{s aif{sf] sfo{ ;dLIff, Joj;flos /0fgLlt tyf efjL of]hgfx¿ ;lxtsf] ;+rfns ;ldltsf] tk{maf6 k|:t't ul/Psf] of] k|ltj]bg sDkgL P]g @)^#, a}+s tyf ljQLo ;+:yf ;DaGwL P]g @) / g]kfn /fi6« a}+såf/f ;do–;dodf hf/L ePsf lgb]{zgx¿sf] clwgdf /xL tof/ ul/Psf] Joxf]/f ;d]t hfgsf/L u/fFpb} ufEg]÷ufleg] b'a} ljsf; a}+ssf] ljQLo ljj/0fx? k/LIf0f ug]{ qmddf k|lqmofut 9ª\ujf6 k|of;/t /xFbf /xFb} klg kf}if d;fGt leqdf jflif{s ;fwf/0f ;ef ug{ c;dy{ ePsf]df Ifdfofrgf ub}{ cufdL jflif{s ;fwf/0f ;ef ;dod} ;DkGg ul/g] k|lta4tf ;d]t AoQm ub{5f}F .

!= ljsf; a}+ssf] laut jif{sf] sf/f]af/ l;+xfjnf]sg tyf a}+ssf] ljQLo emns M— cfly{s jif{ @)÷)&$ o; ;+:yfsf] nflu pNn]vgLo /x\of] . b'O{ /fli6«o :t/sf ljsf; a}+sx? otL 8]enkd]G6

a}+s ln= / dxfnIdL ljsf; a}+s ln= Ps cfk;df ufleP kZrft k'FhL, lgIf]k / shf{ k|jfxsf lx;fan] g]kfns} 7'nf] ljsf; a}+ssf] ?kdf @)&$ cfiff9 !* ut] b]vL dxfnIdL ljsf; a}+s ln= sf] gfdaf6 sf/f]jf/

10



;'? ePsf] 5 . dh{/ sfo{ ;DkGg u/]kl5sf] a}+ssf] ldlt @)&$ c;f/ d;fGtsf] ;DklQ tyf bfloTjsf] ljj/0f b]xfo adf]lhd /x]sf] 5 .

l;=g+= ljj/0f;flas dxfnIdL ljsf;

a}+saf6 k|fKt ePsf]@)&$ cfiff9 d;fGt

;Ddsf] ljj/0f

1= z]o/ k'FhL 1,247,564 2,633,797

2= hu]8f tyf sf]ifx? 571,136 854,562

3= C0fkq tyf aG8 – –

4= ltg{ afFsL shf{ ;fk6 – –

5= lgIf]k bfloTj 11,652,490 25,136,613

6= e"QmfgL lbg'kg]{ lanx? – 6,586

7= k|:tfljt gub nfefFz – 237,042

8= cfos/ bfloTj 40,964 –

9= cGo bfloTj 396,115 372,866

s'n k'FhL tyf bfloTj 13,908,270 29,241,467

l;=g+= ljj/0f;flas dxfnIdL ljsf;

a}+saf6 k|fKt ePsf]@)&$ cfiff9 d;fGt

;Ddsf] ljj/0f

1= gub df}Hbft 252,534 527,279

2= g]kfn /fi6« a}+sdf /x]sf] df}Hbft 728,456 1,577,684

3= a}+s÷ljQLo ;+:yfdf /x]sf] df}Hbft 19,423 151,183

4= dfu tyf cNk ;'rgfdf k|fKt x'g] /sd 2,503,889 5,077,842

5= nufgL 458,239 1,168,157

6= shf{ ;fk6 tyf lan vl/b 9,495,689 19,962,484

7= l:y/ ;DklQ 174,980 300,117

8= u}/ a+}lsª ;DklQ – –

9= cGo ;DklQ 275,060 476,722

s'n ;DklQ 13,908,270 29,241,467

?= xhf/df

11



cfly{s aif{ @)&@÷ / cflys{ aif{ @)÷&$ df xfl;n u/s]f ljQLo pknlAwx¿sf] k|d'v ;'rsfÍx¿ b]xfo adf]lhd /x]sf 5g\ .

/sd ?= bz s/f]8df

Gff]6 M dfly pNn]lvt tYofÍdf jf;fntsf cÍx?df ;flas dxfnIdL ljsf; a}+ssf] cÍ ;d]t ;dfj]z ul/Psf] 5 .

;dLIff cjlwdf a}+ssf] k"hL kof{Kttf cg'kft, lgis[o shf{ cg'kft, t/ntf cg'kft nufot a}+ssf] ;'b[9 cj:yfdfkg ug]{ dfkb08x¿ g]kfn /fi6« a+}sn] lgwf{/0f u/]sf] dfkb08 adf]lhd ;sf/fTds /x]sf]n] a}+sn] cËLsf/ u/]sf] ljj]sk"0f{ (Prudent) Joj;foLs gLlt k|ltljlDat x'G5 . ;dLIff cjlw ;lxt ljut kfFr jif{sf] ljQLo ;"rsfÍx¿sf] t'ngfTds k|:t'tLs/0f M

zLif{s @) cfiff9 d;fGt @)&$ cfiff9 d;fGt a[l4 -k|ltztdf_

z]o/ k'FhL !#=*^ @^=#$ ()=))Ü

g]6 jy{ !$=!! #$=** !$&=@! Ü

lgIf]k !)*=^@ @%!=#& !#!=$# Ü

nufgL #= !!=^* @!#=#% Ü

shf{ tyf ;fk6L *&=^( @)&=@@ !#^=#@ Ü

Aofh cfDbfgL (=@* !^=$* &&=%^ Ü

Aofh vr{ %=@( *=^* ^$=!^ Ü

Vf"b Aofh cfDbfgL #=(( &=*) (%=#)Ü

hDdf ;~rfng cfDbfgL $=** *=*& *!=%& Ü

sd{rf/L vr{ )=*( !=!! @$=*& Ü

;~rfng vr{ !=!@ !=$! @^=%& Ü

;~rfng d'gfkmf )=$& !=@( !&!=*# Ü

s/ kl5sf] v'b gfkmf #=#$ $=$$ ##=)( Ü

lgis[o shf{ cg"kft -Ü_ $=! #=(! -$=^#+_ Ü

s"n ;DklQ !@#=(^ @(@=$! !#%=*( Ü

k'FhL kof{Kttf -Ü_ !@=^& !^=*^ ##=)& Ü

k|lt z]o/ a's g]6jy{ !)!=&( !#@+=$% #)=!! Ü

k|lt z]o/ ahf/ d"No ##) @!( -##=^$++_ Ü

zfvfx?sf] ;+Vof -PS;6]G;g sfpG6/ ;d]t_ @% &! !*$=)) Ü

ATM ;+Vof @$ #% $%=*# Ü

sd{rf/L ;+Vof @!( ^!& !*!=&$ Ü

12



-s_ lgIf]k ;ª\sng a}+ssf] s'n lgIf]k cf=j=@)&@÷) df ¿ !) ca{ *^ s/f]8 /x]sf]df k|:t't cf=j=@)÷)&$ Dff dh{/af6

k|fKt ;lxt !#!=$# k|ltztn] a[l4 eO{ ¿ @% ca{ !# s/f]8 k'u]sf] 5 . a}+sn] ljleGGf :f+:yfut tyf JolQmut lgIf]kstf{x¿sf] cfjZostf cg';f/sf] ljleGGf lgIf]k ;'ljwf k|bfg

ub}{ cfO/x]sf] 5 . lgIf]k Joj:yfkgdf ljz]if ;fjwfgL ckgfpFb} ;+:Yffut tyf 5f]6f] cjlwsf lgIf]kdf dfq clws]lGb|t x'F+bf pTKfGg x'g :fSg] hf]lvdnfO{ sd ug{ l:y/ k|s[ltsf ;—;fgf lgIf]k ;ª\sngdf ljz]if hf]8 lbO{ ljleGg k|sf/sf lgIf]k of]hgfx¿ ;~rfngdf NofPsf] 5 .

ahf/ ljZn]if0f / lgIf]kstf{sf] rfxgf adf]lhdsf u|fxsd}qL ljleGg lgIf]k of]hgfx? ;~rfngdf Nofpg] sfdnfO{ a}+sn] lg/Gt/tf lbO /x]sf] 5 .

qm=;=

ljj/0f ;'rsfª\scf=j= cf=j= cf=j= cf=j= cf=j= cf=j=

2068÷69 2069÷70 2070÷71 2071÷72 2072÷73 2073÷74

!= v'b gfkmf÷s'n cfDbfgL k|ltzt

k|ltzt 14=32 0=14 -45=61_ 12=65 22=94 18=86

@= k|lt z]o/ cfDbfgL ?= 6=68 0=05 -32=82_ 10=04 24=08 27=84

#= k|lt z]o/ ahf/ d"No ?= 64=00 100=00 173=00 133=00 330=00 219=00

$= z]o/ k'FhLdf gub nfef+z e'QmfgL

k|ltzt – – – – – 9=00

%= Jofh cfDbfgL / shf{ tyf ;fk6

k|ltzt 14=17 7=05 12=49 11=29 9=82 11=60

^= sd{rf/L vr{/ s'n ;~rfng vr{

k|ltzt 14=60 15=93 14=20 10=90 12=20 9=92

&= s"n lgIf]k tyf ;fk6Ldf Jofh vr{

k|ltzt 8=85 4=40 6=93 6=48 4=87 3=45

*= sd{rf/L af]g;÷s'n sd{rf/L vr{

k|ltzt 11=35 2=17 – 13=75 33=19 37=39

(= v'b gfkmf / shf{ ;fk6 k|ltzt 2=74 0=01 -8=00_ 2=22 3=81 3=54

!)= v'b gfkmf / s'n ;DklQ k|ltzt 1=78 0=01 -5=58_ 1=47 2=69 2=51

!!= s'n shf{ / lgIf]k k|ltzt 88=08 95=30 79=25 77=87 80=73 82=44

!@= s'n ;~rfng vr{ / s'n ;DklQ

k|ltzt 9=80 5=36 8=69 7=49 5=88 6=70

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

k|ltzt 5=03 5=03 5=03 4=96 5=19 5=18

!$= s"n sd{rf/L ;+Vof 104 187 206 208 219 617

13



-v_ shf{ tyf ;fk6L o; cf=j=@)÷)&$ sf] cGt;Dddf o; a}+ssf] s'n shf{ nufgL dh{/af6 k|fKt ;lxt ¿=@) ca{ &@ s/f]8

k'u]sf] 5 . ut cfly{s jif{sf] t'ngfdf dh{/af6 k|fKt ;lxt !#^=#@ k|ltzt shf{ tyf ;fk6L j[l4 ePsf] 5 . a}+sn] shf{ nufgL ubf{ shf{sf] u'0f:t/ tyf shf{ nufgLdf ljljwLs/0fnfO{ d'Vo k|fyldstf lbPsf] 5 . a}+sn] pBf]u, s[lif, ko{6g, ;fgf tyf demf}nf pBf]u Joj;fo, Jofkf/, tyf l/6]n shf{ nufotsf If]qx¿df nufgL ub}{ cfO/x]sf] 5 . cf=j=@)÷)&$ df a}+sn] ;flasdf /x]sf] lglis|o shf{ $=!) k|ltztaf6 #=(! k|ltztdf emfg{ ;kmn ePsf] 5 .

-u_ d'gfkmf a}+sn] @)&@÷) df ?= $ s/f]8 &$ nfv dfq ;~rfng d'gfkmf cfh{g u/]sf]df cf=j= @)÷)&$ Dff

?= !@ s/f]8 *& nfv ;~rfng d'gfkmf cfh{g u/]sf] 5 . a}+sn] @)&@÷) df ;Dk"0f{ sf/f]af/ ;dfj]z kl5sf] v'b d'gfkmf ?=$* s/f]8 ^@ nfv cfh{g u/]sf]df cf=j= @)÷)&$ Dff ?=&@ s/f]8 (& nfv cfh{g u/]sf] 5 . ut jif{sf] t'ngfdf ;~rfng d'gfkmfsf] j[l4b/ !&!=*# k|ltzt, ;Dk"0f{ sf/f]af/ ;dfj]z kl5sf] v'b d'gfkmfdf j[l4b/ %)=)( k|ltzt /x]sf] 5 . a}+ssf] v'b gfkmf÷gf]S;fg cf=j=@)÷)&$ df ? $$ s/f]8 $@ nfv /x]sf] 5 h'g ut jif{sf] t'ngfdf ##=)( k|ltztn] j[l4 ePsf] 5 . ;fy}, ;flas dxfnIdL ljsf; a}+ssf] @)&$÷)#÷!& ut] ;Ddsf] v'b d'gfkmf ?= @* s/f]8 ** nfv gfkmf gf]S;fg afF8kmfF8 lx;fa kl5 ;l~rt gfkmf ?= !* s/f]8 *% nfv OlSj6Ldf ePsf] kl/jt{g ;DaGwL ljj/0fdf ;dfj]z ul/Psf] 5 .

-3_ u}/ ;~rfng cfDbfgL÷ -gf]S;fgL_ a}+sn] @)&@÷) df ?= @ s/f]8 !) nfv dfq u}/;~rfng cfDbfgL u/]sf]df cf=j= @)÷)&$ Dff ?= $

s/f]8 %) nfv u}/;~rfng cfDbfgL cfh{g u/]sf] 5 . ;f] j[l4b/ ut jif{sf] t'ngfdf !!#=*^ k|ltzt /x]sf] 5 .

-ª_ ;Defljt gf]S;fgL Joj:yfaf6 lkmtf{ a}+sn] @)&@÷) df ?= $$ s/f]8 #@ nfv dfq ;Defljt gf]S;fgL Joj:yfaf6 lkmtf{ u/]sf]df

cf=j= @)÷)&$ Dff ?= %( s/f]8 ^! nfv ;Defljt gf]S;fgL Joj:yfaf6 lkmtf{ ug{ ;kmn ePsf] 5 . ;f] j[l4b/ ut jif{sf] t'ngfdf #$=%! k|ltzt /x]sf] 5 . ;fy} pk/f]Qm /sddf a}+sn] ;dLIff cjlwdf ?= !# s/f]8 )& nfv u}/ a}+lsË ;DklQ jfktsf] ;Defljt gf]S;fgL Joj:yfaf6 lkmtf{ ug{ ;kmn ePsf] 5 .

-r_ kF'hLsf]ifsf] kof{Kttf k'FhLsf]ifsf] u0fgf g]kfn /fi6« a}+sn] tf]s]adf]lhd Capiltal Adequacy Framework 2007 (Updated July 2008)

cg';f/ ul/Psf] 5 . cf=j= @)&@÷) sf] cGtdf k'F+hLsf]ifsf] cg'kft !@=^& k|ltzt /x]sf]df cf=j @)÷)&$ sf] cGtdf pQm cg'kft !^=*^ k|ltzt sfod /xg uPsf] 5 . h'g g]kfn /fi6« a}+ssf] lgb]{zgcg';f/ h?/L x'g] Go"gtd sf]if eGbf ^=*^ k|ltztn] clws /x]sf] 5 .

@= a}+ssf] sf/f]af/nfO{ c;/ kfg]{ d'Vo sf/sx¿ ;+:yfsf] sf/f]jf/nfO{ c;/ kfg]{ d'Vo s'/fx?nfO{ o; k|sf/ k|:t't ul/Psf] 5 .

– lgIf]k tyf shf{ nufgLsf] Aofhb/df x'g] kl/jt{gaf6 c;/ kg]{ hf]lvdx/m .– k'FhL ahf/df cfpg] ptf/ r9fjsf sf/0fn] x'g ;Sg] hf]lvdx? . – oyf;dodf shf{ c;'nL geO{ pTkGg x'g] hf]lvdx¿ .– Aofhb/ cGt/sf] sf/0fjf6 cfpg ;Sg] hf]lvdx? .

14



ljj/0f @)&$ cfiff9 d;fGt ;Dd @)&$ r}q d;fGt ;Dd

lgIf]k @%,!#^=^! @%,!)^=!^

shf{ @),&@@=$$ @!,&&@=

nufgL !,!^*=!^ !,*!#=$@

– b]zsf] cfly{s cj:yfdf cfpg] kl/jt{gaf6 kg{ ;Sg] hf]lvdx¿ . – b]zsf] /fhg}lts cl:y/tf aGb–x8tfn, nf]8;]l8ª nufotsf ljZjJofkL cfly{s dGbL tyf b]zsf]

;+qmd0fsfnLg l:yltn] eljiodf kg{ ;Sg] hf]lvdx? .– ahf/df a9\bf] a}+s tyf ljQLo ;+:yf;F+u} a9]sf] c:j:y k|lt:kwf{, nufgLsf j}slNks If]qsf] cefjdf kg{

;Sg] hf]lvd . – ;~rfng hf]lvd j9\b} hfg'sf] sf/0fjf6 kg{ ;Sg] hf]lvd .– cGt/f{li6«o jhf/df x'g] dGbLaf6 g]kfnL ahf/df kg{ ;Sg] c;/af6 x'g ;Sg] cfly{s hf]lvdx¿ .

a}+s ;dIf /x]sf k|d'v r'gf}tLx? lgDgfg';f/ /x]sf 5g\ M– cgk]lIft tj/n] kl/jt{g eO/xg] ahf/sf] t/ntf .– gofF ;+ljwfg adf]lhdsf] k|fb]lzs ;+/rgfx?sf] sfof{Gjogsf] ;Gbe{df cfO{kg]{ r'gf}tLx? .– cy{tGqdf pknAw nufgLsf cj;/x?sf] Go"gtf / a}+lsË If]qdf b]lvg] c:jfefljs k|lt:kwf{sf sf/0f

sf/f]af/sf] k|ltkmndf kg]{ rfk / r'gf}tLx? .– a}+lsË If]qdf bIf hgzlQmsf] cefj tyf dh{/ Pj+ k|fKtL >[lht cfGtl/s Joj:yfkgdf b]vfkg{ ;Sg]

r'gf}tLx? .

r'gf}tL tyf hf]lvd Aoj:yfkg a}+ssf] shf{ tyf ;fk6 / nufgL v/fa eO{ tyf ljlgdo b/ kl/jt{gaf6 x'g ;Sg] hf]lvdx?sf] nflu

g]kfn /fi6« a}+ssf] lgb]{zg tyf cfkm\g} ljZn]if0fåf/f a}+sn] shf{ gf]S;fgL Joj:yf, nufgLdf ;Defljt gf]S;fgL Joj:yf, ;6xL 36a9 sf]if h:tf sf]ifx?sf] Joj:yf ug]{ u/]sf] 5 . a}+sn] ahf/ k|lt:kwf{sf] ;fdgf ug{sf] nflu hgzlQmsf] 1fg tyf bIftf clej[l4df cfjZos Wofg k'¥ofPsf] 5 . o; afx]s Jofj;flos hf]lvd Pj+ jfx\o sf/0fx?af6 ;[hgf x'g;Sg] hf]lvd Joj:yfkgsf] nflu rgfvf] eO{ ;Defljt gf]S;fgL x'g glbg jf hf]lvd Go"g ug{ a}+s ;Ifd tyf k|lta4 /x]sf] 5 .

#= rfn' cfyL{s jif{sf] pknAwL ?= b; nfvdf

a}+lsË If]qdf r/d t/ntf cefj /x] tfklg @)&$ r}q d;fGt;Dd @% ca{ !) s/f]8 lgIf]k sfod ug{ ;kmn ePsf] 5 . To:t} shf{ ;fk6df @! ca{ && s/f]8 sfod ug{ ;kmn ePsf] 5 . To:t}ul/ nufgLdf klg a}+sn] ! ca{ *! s/f]8 sfod ug{ ;kmn ePsf] 5 .

a}+ssf] nflu cfly{s aif{ @)÷)&$ ljz]if aif{sf] ?kdf ;fljt eof] . ;f] jif{ a}+sdf jif}{b]lv /x]sf] v/fa shf{ 36fP/ #=(! k|ltztdf Nofpg ;kmn ePsf] 5 . shf{ Aoj:yfkgsf] sfo{nfO{ ;'b[9 agfO{ lgis[o shf{sf] cg'kft 36fpg], u}x| a}+lsË ;DklQnfO{ oyf;So Go'lgs/0f ug]{ sfo{sf afah'b Aofa;fo a[l4sf nflu lgIf]k tkm{ gFof lgIf]k of]hgfx? NofO{g] 5 . To:t} shf{ tkm{ ;'/IfLt shf{ nufgLsf If]qx/msf] klxrfg u/L ;/n /mkdf shf{ k|afx ug]{ sfo{nfO{ k|efasf/L /mkdf nfu' ul/Psf] 5 . u|fxsnfO{ ;]jf ;'lawf a[l4 ug{sf nfuL s]Gb|Lo sfof{nodf #^% lbg] a}+lsË ;]jf z'/m u/L ;s]sf 5f} . To:t} xfd|f] Pl6Pd sf8{nfO{ le;f ;+u ;DaGwg u/L;lsPsf] 5 . ;Fu ;Fu} a}+sn] df]jfOn a}+lsË nfO :df6{ a}+lsË df ?kfGt/0f u/]sf] 5 .

15



-s_ zfvf lj:tf/ M u|fdL0f hgtfx? dfFem cfkm\gf] ;]jf k'¥ofO k|fylds lgIf]k / u|fxs ;]jf a9fpgsf] nflu tyf ;Dk"0f{ :yflgo

lgsfox?df a}ssf] zfvf ;~hfn k'¥ofpg] g]kfn /fi6« a}ssf] gLltnfO{ ;3fp k'¥ofpg a}+sn] ;fvf lj:tf/ lgtLnfO canDag u/]sf] 5 .

;flas ;+:yfx? otL 8]enkd]06 a}+ssf] zfvf @% / ;flas dxfnIdL ljsf; a}+ssf] $! zfvf dh{/ x'bf ^^ j6f zfvf /x]sf]df dh{/ kZrft cyf{t ldlt @)&$÷)*÷!$ b]lv a}t8Lsf] kf6g, aemfËsf] r}gk'/, bfªsf] 3f]/fxL / afh'/fsf] dft{8Ldf zfvf :yfkgf ul/of] . ldlt @)&$÷)*÷@* b]lv bfr'{nfsf] uf]s'n]Zj/ / /kGb]xLsf] d0fLu|fddf ldlt @)&$÷!)÷)* b]lv zfvf ;~rfngdf cfO;s]sf] 5 . dh{/ ;Fu} bf]xf]/f] kg{ cfPsf % j6f zfvf - cnlvofd7 aL/u+h, a}+s/f]8 x]6f}F8f, k;f{rf]s n'lDagL, wflbªa]zL tyf zlxbrf]s gf/fo0fu9_ :yfgfGt/0f ePsf 5g\ . a}+ssf] zfvf ;~hfndf Aofks dfqfdf a[l4 eO{ xfn &! zfvf, To:t} pkTosf leq / pkTosf aflx/ sl/j Ps bh{g zfvf vf]Ng] qmddf /x]sf] / elaiodf cGo :yfgx/mdf klg zfvf sfof{no vf]Ng] p2]Zo /x]sf] Aoxf]/f hfgsf/L u/fpg rfxG5f}F} .

-v_ P=l6=Pd (ATM) ;]jf lj:tf/ a}+sn] u|fxs ju{df ;'ljwf lbg] p2]Zon] cfkm\gf] P=l6=Pd= sf] ;ª\Vof #% k'¥ofpg ;kmn ePsf] 5 eg]]

u|fxsju{sf] cfjZostf x]/L lgs6 eljiodf P6LPdsf] ;ª\Vof ;d]t a9fpb} nUg] of]hgf /x]sf] 5 . g]kfn /fi6« a}+ssf] d+l;/ dlxgfsf] l/kf]6{ cg';f/ hDdf ljsf; a}+ssf] (ATM) ;ª\Vof !^# /x]sf]df o; ;+:yfn] @!=$& k|ltzt lx:;f ;d]6]sf] 5 . a}+sn] VISA ;Fu cfj4 eO{ pQm Network ;Fu ;DalGwt ATM d];Lgaf6 cfˆgf u|fxsx?nfO{ ;]jf pknAw u/fpb} cfO{/x]sf] 5 .

-u_ ;"rgf k|0ffnL a}ssf] ;"rgf k|0ffnLnfO{ k|efjsf/L / r':t agfpgsf nflu a}+sn] ;"rgf k|ljlwsf] ljsf;sf] cj:yf /

u|fxsju{sf] ;'ljwfnfO{ dWogh/ /fvL a}+lsË ;ˆ6j]o/ Pumori Plus IV dfkm{t sf/f]af/ :f+Rffng ub}{ cfO/x]sf] 5 . pkef]Qmf Pj+ u|fxsju{nfO{ yk cfw'lgs a}+lsË ;'ljwf pknAw u/fpg] l;nl;nfdf a}+sn] ATM (Automated Teller Machine), Debit Card, SMS Banking, Smart Banking, Mobile Banking, Internet Banking

(Any Branch Banking System (ABBS) ;]jf h:tf k|ljlwd"ns ;]jfx¿ k|bfg ub}{ cfO/x]sf] 5 eg] Debit Cards – EMV Chip based Domestic and International Cards, Smart Banking, NEA Bill payment system ;]jfx? k|bfg ug]{] sfo{sf] nflu cfjZos k|lqmof cufl8 a9fO ;lsPsf] 5 . To:t} eljiodf ;d]t ;"rgf k|ljlwdf ;dofg's"n ;'wf/ Pj+ ljsf; ub}{ u|fxsju{nfO{ gofF gofF cTofw'lgs ;'ljwfx? pknAw u/fpFb} hfg] a}+ssf] of]hgf /x]sf] 5 . a}+ssf ;a} zfvfx? Online Connected /xg] ePsf]n] u|fxsx?n] h'g;'s} zfvfaf6 ;lhn};Fu h'g;'s} sf/f]af/ (ABBS) ug{ ;Sb5g\ . z]o/wgL, ;~rf/hut tyf ;DalGwt cGo kIfx?nfO{ a}+ssf] cflwsfl/s ;"rgf k|jfx ug{ cfkm\g} j]e;fO{6 www.mahalaxmibank.com k|of]udf NofO{/x]sf]] 5 . ;fy} dh{/sf] jvt 8f6f Plss/0f ug]{ k|of]hgsf] nflu ;xfos k|d'v sfo{sf/L clws[tsf] cWoIftfdf ;ldlt u7g ul/ cfkm\g} hgzlQmn] :yfgfGt/0f ug]{ sfo{ ;DkGg u/]sf] 5 .

-3_ dfgj ;+;fwg ;dLIff aif{df b'O j6f /fli6«o :t/sf] ljsf; a}+s ufleP ;Fu} sd{rf/Lsf] ;ª\Vofdf pNn]vgLo j[l4 ePsf]

5 . ljBdfg k|lt:kwf{Tds a}+lsË If]qdf ;kmntf xfl;n ug{sf nflu bIf sd{rf/Lx? g} ;a}eGbf dxTjk"0f{ kIf ePsfn] pko'Qm jftfj/0f ;lxt ;do ;fk]If ;'ljwfx? / plrt k'/:sf/ lbO{ sfd k|lt pTk|]l/t ul//xg] gLlt a}+sn] clVtof/ u/]sf] 5 . u|fxsju{nfO{ ;j{;'ne, l56f] 5l/tf] / k|efjsf/L ;]jf pknAw u/fO{ Jofj;flos p2]Zo k|flKt ug{ hgzlQmsf] bIftf a[låsf nflu dfgj >f]t lasf; tyf Joj:yfkgdf ljz]if k|fyldstf lbO{

16



ljlEfGg tflnd, ;]ldgf/ h:tf sfo{qmdsf] dfWodaf6 sd{rf/Lx/mnfO{ cled'vLs/0f tfnLd ;~rfng ub}{ cfO{/x]sf] 5 . Joj;fo lj:tf/sf] qmddf rflxg] bIf hgzlQm cfkm}+ tof/ ub{} hfg] gLlt adf]lhd sd{rf/L egf{, ;?jf, kbf]Gglt / cg'zf;gsf] sf/afxL x'g] u/]sf] 5 . sd{rf/Lx?sf] j[lå ljsf;nfO dWogh/ ul/ cf=j= @)÷)&$ df ljleGg txsf $^^ hgf sd{rf/Lx?nfO ljleGg tflnd k|bfg u/]sf] 5 .

g]kfn /fi6« a}+saf6 :jLs[lt k|fKt sd{rf/L ;]jf ljlgodfjnLsf] clwgdf /xL sd{rf/Lx?nfO{ ;xof]uL, ;xfos, clws[t / Joj:yfksLo u/L rf/ txdf ljefhg ul/Psf] 5 . @)&$ cfiff9 d;fGtdf Joj:yfksLo txdf #!, clws[t tx !#!, ;xfos tx @&),;xof]uL / laleGg txsf s/f/ ;]jfdf sfo{ ug]{ !!@ u/L hDdf ^!& hgf sd{rf/Lx? sfo{/t /x]sf 5g\ .

-ª_ u|fxs ;DaGw u|fxs dxfg'efjx¿nfO{ pRr k|fyldstfdf /fVg] l;4fGtaf6 a}+s ;w}F ;r]t 5 . shf{ tyf lgIf]ktkm{ laleGg

gofF+ k|sf/sf ;]jf k|f/De ub}{ u|fxsx¿sf] cfjZostf cg';f/sf pRr u'0f:t/sf ;]jfx¿ k|bfg ug{ ;Sg] a}+ssf ?kdf kl/lrt x'g]] nIo /x]sf] 5 . xfd|f] ;kmntfsf] >]o u|fxsx¿sf] ckf/ ljZjf;nfO{ g} hfG5 / o; cj;/df u|fxs ;]jfsf] u'0f:t/ a9fpg] k|0f ub{5f}+ .

-r_ ;DklQ z'l4s/0f lgoGq0f ljsf; a}+sn] k|rlnt P]g tyf g]kfn /fi6« a}+såf/f hf/L ePsf] lgb]{zgsf] sfof{Gjogsf] ;nl;nfdf ;DklQ

z'l4s/0f ;DaGwL 5'§} cfGt/Ls gLlt tyf sfo{ljwL agfO{ nfu' u/]sf] 5 . o;/L agfOPsf gLlt tyf sfo{ljwL åf/f ;DklQ z'l4s/0f lgoGq0f tk{m d"ntM b]xfo cg';f/sf] Joj:yf ul/Psf] 5 .– ;~rfns ;ldltsf ;+rfnssf] ;+of]hsTjdf ;DklQ z'l4s/0f ;DaGwL ;ldlt u7g ul/Psf] 5, h;n]

;DklQ z'l4s/0f lgjf/0f ;DaGwdf eP u/]sf sfd sf/jfxLx?sf] qodfl;s ?kdf cg'ug ug]{ u/]sf] 5 . – ;~rfns ;ldlt tyf pRr Joj:yfkgn] ;d]t ;DklQ z'l4s/0f ;DaGwL sfo{sf] q}dfl;s ?kdf ;dLIff

ug]{ Joj:yf ldnfOPsf] 5 .– ;DklQ z'l4s/0f lgoGq0f ;DaGwL g]kfn /fi6« a}+sn] hf/L u/]sf] lgb]{zg adf]lhdsf] sfo{ ug]{ u/fpg]

k|of]hgsf nflu s]Gb«Lo sfof{nodf cg'kfng clws[t tf]lsPsf] 5 .– b}lgs ?= !) nfv jf ;f] eGbf a9Lsf] gub sf/f]jf/ tyf zª\sf:kb sf/f]jf/sf]] lgoldt ?kdf cg'udg

u/L o; ;DaGwL ljj/0f tf]lsPsf] ;dofjlw leq ljQLo hfgsf/L O{sfO ;dIf k]z ug]{ Joj:yf ldnfOPsf] 5 .

– zfvfx?df sfo{/t sd{rf/Lx?nfO{ ;DklQ z'l4s/0f lgjf/0f ;DaGwL sfg"gL Joj:yf tyf a}+sn] ug'{ kg]{ sfo{ tyf k|s[of af/] hfgsf/L u/fpg tflnd k|bfg ug]{ ul/Psf] 5 .

-5_ pTkfbg tyf ;]jfx¿ u|fxsd'vL Pj+ gljgtd pTkfbg tyf ;]jfx¿ lg/Gt/ ?kdf k|bfg u/L u|fxsx¿sf cfw'lgs a}+lsË ;]jfsf]

dfunfO{ kl/k"lt{ ug'{ a}+ssf] k|d"v p2]Zo xf] . o;} p2]Zo cg'?k a}+sn] ljleGg lsl;dsf lgIf]k of]hgfx¿ h:t} art vftf M dxfnIdL art vftf, dxfnIdL ljif]z art vftf, dxfnIdL u[xnIdL art vftf, dxfnIdL ljBfyL{ art vftf, dxfnIdL h]i7 gful/s art vftf, dxfnIdL sd{rf/L art vftf, dxfnIdL ;d[l4 art vftf, dxfnIdL afn art vftf, dxfnIdL k]G;g art vftf, dxfnIdL ;]o/wgL art vftf, dxfnIdL /]ld6\ofG; art vftf, dxfnIdL lk|ldod art vftf, dxfnIdL wgjiff{ art vftf, dxfnIdL e'sDk lkl8t art vftf, dxfnIdL ;fdflhs ;'/Iff art vftf, dxfnIdL ;'gf}nf] art vftf, dxfnIdL cgdf]n art vftf, dxfnIdL 8n/ ;'/Iff art vftf, sn lgIf]k, d'2tL g]If]k M # dlxgf cjlwsf], ^ dlxgf cjlwsf], ( dlxgf cjlwsf], ! jif{ cjlwsf] , @ jif{ cjlwsf] :6«Sr/ lgIf]k of]hgf cflb :f+rfngdf NofPsf] 5 . Psflt/ oL lgIf]k of]hgfx¿n] lgIf]kstf{x¿nfO{ ljljw k|sf/sf ;]jfx? k|bfg u/]sf] 5 eg] csf]{ lt/ oL of]hgfx¿df k|bfg

17



a}+ssf] gfd r'Qmf kF'hL

;flas otL 8]enkd]06 a}+s ln= !,#*,^@,##,##$÷—

;flas dxfnIdL ljsf; a}+s ln= !,@$,&%,^$!))÷—

hDdf @,^#,#&,(&,$#$÷—

ul/g] cfsif{s Aofhaf6 lgIf]kstf{x¿ nfeflGjt ePsf 5g\ . o;sf ;fy} a}+sn] ljleGg lsl;dsf cfw'lgs pTkfbg tyf ;]jfx? h:t} OG6/g]6 a}+lsË, Pl6Pd ;]jfk|bfg ub}{ cfPsf] 5 . a}+sn] ljb]zdf a;f]af; ul//x]sf g]kfnLx¿n] ;lhn} /sd k7fpgsf nflu tyf :jb]zd} Ps 7fpF+af6 csf]{ 7fpF+df /sd :yfgfGt/ ug{ ljk|]if0f ;]jf ;d]t ;~rfngdf NofPsf] 5 .

-h_ kF'hL ko{fKttf ;flassf] otL 8]enkd]06 a}+s ln=df ;flassf] dxfnIdL ljsf; a}+s ln=ufleP kZrft ag]sf] dxfnIdL lasf;

a}+s ln=sf] ldlt @)&$ cfiff9 !* ut] b]lv Plss[t sf/f]af/ z'/m ePsf] lyof] . @)&$ cfiff9 d;fGt leq /fli6«o :t/sf ljsf; a}+snfO @ c/a %) s/f]8 r'Qmf k'FhL k'¥ofpg g]kfn /fi6« a}+saf6 hf/L lgb]{zg adf]lhd tf]lsPsf] ;do cufj} a}sn] lgb]{zg adf]lhdsf] k'FhL a[l4 u/L;s]sf] 5 .

dh{/ x'g] ;+:yfsf] r'Qmf kF'hLsf] ljj/0f

-em_ ;+:yfut ;'zf;g ;+:yfut ;'zf;g ;+:yfsf] d]?b08 ePsfn] dxfnIdL lasf; a}+sdf ;+:yfut ;'zf;g (Corporate Governance)

nfO{ pRr dxTjsf ;fy kl/kfngf ug{ u/fpgsf nflu ;~rfns ;ldlt / a}+s Joj:yfkg k"0f{?kdf k|lta4 /x]sf] 5 . ;~rfns ;ldltsf sfdsf/afxLx¿ tyf a}+ssf cGo ;a} lqmofsnfkx¿nfO{ :jtGq Pj+ kf/bzL{¿kdf pRr:t/sf] Jofkfl/s :jR5tf, Joj;flostf tyf k|rlnt sfg"g tyf dfkb08x¿sf] cwLgdf /xL ;+:yfut ;'zf;gsf] ljsf; ug{ a}+s ;bf lqmofzLn /x]sf] 5 . a}+sn] g]kfn /fi6« a}+s tyf cGo lgodg lgsfox¿af6 ;do ;dodf hf/L ePsf gLlt Pj+ lgb]{zg tyf ;f]sf] clwgdf /xL ljleGg gLlt lgod ;~rfns ;ldltaf6 :jLs[t u/fO{ k"0f{ ?kdf nfu' ub}{ cfPsf] 5 . eljiodf ;d]t ;+:yfut ;'zf;gnfO{ k|fyldstfsf ;fy nfu' ul/g]5 .

-`_ ljk|]if0f -/]ld6fG;_ sf/f]af/ a}+sn] l56f] tyf ;'/lIft ljk|]if0f ;]jf k|bfg ug{sf nfUfL ljleGg cGt/fli6«o Voflt k|fKt /]ld6]G; sDklgx?;+u

;Demf}tf ul/ lak|]if0f sf/f]af/ ;~rfng ub}{ cfO{/x]sf] 5 . /fli6«o, cGt/f{li6«o lak|]if0f sDklgx¿sf ;fy} ljleGg ljk|]if0f sf/f]jf/ ug]{ sDkgLx?;Fu ;Demf}tf u/L ;]Jff k|bfg ub}{ cfPsf] 5 . xfn a}+sn] cfO=Pd=O= /]ld6, k|e' dlg 6«fG;km/, l;6L PS;k|];, lxdfn /]ld6, j]:6«g o'lgog dgL 6«fG;km/, k[YjL /]ld6, j]i6 /]ld6 -hL=Pd=O{_, ;'of]{bo /]ld6, glan /]ld6, ;]jf dgL 6«fG;km/, ;D;f/f dgL 6«fG;km/, g]kfn /]ld6, hgtf /]ld6, Pe/]i6 /]ld6, a'd /]ld6, d]uf /]ld6, ;flgdf PS;k|]; dgL 6«fG;km/, z'ne /]ld6, s'df/L /]ld6, /]ld6 6' g]kfn, cfO=k]= /]ld6, h]=Pd=O{= /]ld6, d'lQmgfy /]ld6, l;km\6 kmfOgflG;on ;le{;];, PS;k|]; dgL 6«fG;km/ h:tf ljk|]if0f ;]jf k|bfos sDkgL;+u ;xsfo{ ub}{ cfPsf] 5 . a}+sn] cfjZostf cg';f/ cGo k|ltli7t ljk|]if0f ;DaGwL ;]jfk|bfos sDkgLx?;Fu klg ;xsfo{ ub}{ hfg] gLlt lnPsf] 5 .

-6_ l;—cf:jf -ASBA_ ;]jf z]o/ sf/f]jf/ pk/ ;j{;fwf/0fsf] a9\bf] cfsif{0fnfO{ b[li6ut ub}{ ljleGg sDkgLx?af6 hf/L x'g] z]o/sf]

k|f/lDes lgisf;g -IPO_, kmb{/ klJns O:o" -FPO_ tyf xsk|b z]o/ -Right Issue_ df l;–cf:jf -C-ASBA_

18



k|0ffnL dfk{mt dxfnIdL ljsf; a}+ssf] s'g} klg zfvfdf cfj]bg lbg ;lsg] Joj:yf ul/Psf] 5 . of] ;]jf cGtu{t o; ljsf; a}+ssf u|fxsn] Online dfk{mt 3/af6 g} o:tf] z]o/ vl/b ug{ cfj]bg lbg;Sg] Joj:yf ;d]t ul/Psf] 5 .

-7_ cfGtl/s lgoGq0f k|0ffnL shf{ nufgL nufotsf a}+sdf cfO{ kg{ ;Sg] hf]lvdnfO{ dWogh/ u/L cfGtl/s lgoGq0f k|0ffnLnfO{ r':t

b'?:t agfpg] gLlt adf]lhd b]xfosf] gLlt lgod agfO{ sfof{Gjogdf NofO{Psf] 5 .cfGtl/s lgoGq0f Joj:yfdf canDag ul/Psf k|qmofx? lgDgfg';f/ 5g\ M-s_ dha't cfGtl/s lg/LIf0f tyf lgoGq0f Joj:yf ckgfOPsf] 5 .-v_ ;~rfng k|lqmofnfO{ Aojl:yt ug{ ljleGg gLlt, lgb]{lzsf tof/ u/L k|rngdf NofOPsf] 5 . -u_ :jtGq cfGtl/s n]vfk/LIfs lgo'Qm ul/Psf] 5 .-3_ n]vfk/LIf0f ;ldltn] cfGtl/s lgoGq0f k|lqmofsf] lgoldt cg'udg ug]{ u/]sf] 5 .-8_ ;/sf/L /fhZjdf of]ubfg

-8_ ;/sf/L /fhZjdf of]ubfg ;dLIff cjlwdf a}+sn] g]kfn ;/sf/nfO{ ;+:yfut cfos/sf] ?kdf ?= !)%,@)&,&%% tyf ;fljs dxfnIdL

ljsf; a}+ssf] tkm{af6 ?=$),(^$,)%@ u/L hDdf ?= !$^,!&!,*)& /fhZjdf of]ubfg u/]sf] 5 .

$= ;+:yfut ;fdflhs pQ/bfloTj a}+sn] d'gfkmfdf dfq s]lGb|t geO{ ;dfhk|ltsf] pQ/bfloTjnfO{ ;d]t Wofgdf /fvL ljleGg ;fdflhs

lqmofsnfkx¿df ;xefuL x'Fb} cfPsf] 5 . cfkm\gf] d'gfkmfsf] s]xL c+z ;fdflhs pQ/bfloTj jxg ug]{ sfo{x¿df vr{ ug]{ a}+ssf] p2]Zo cg'?k ljz]if u/L a}+sn] lzIff, :jf:Yo, v]ns"b, jftfj/0f nufot k|fs[lts k|sf]kaf6 kLl8tx¿nfO{ ;d]t ;xof]u ub{} cfPsf] 5 . a}+sn] cf=j= @)÷)&$ df g]kfn /fi6« a}+ssf] lgb]{zg g+= ^-!^_ adf]lhd v'b d'gfkmfsf] ! k|ltztn] x'g] /sd ?= $$ nfv $@ xhf/ tyf ;fljssf] dxfnIdL ljsf; a}+saf6 :yfgfGt/0f eO cfPsf] ?= @* nfv *( xhf/ ul/ hDdf ?= nfv #! xhf/ ;+:yfut ;fdflhs pQ/bfloTj sf]if jfkt g]kfn /fi6« a}+ssf] lgb]{zg adf]lhd vr{ ug]{ ul/ 5'6\ofOPsf] 5 .

s]xL dxTjk"0f{ ;fdflhs of]ubfgx? tl:j/ ;lxt lgDgcg';f/ 5g\ M a}+sn] dxfgu/Lo 6«flkms k|x/L dxfzfvf /fdzfxky tyf

k|x/L sfof{no b/af/dfu{sf] ;dGjodf sf7df8f}Fsf] laleGg ( :yfgx?df h]a|f qml;Ëx?sf] /Ë /f]ug u/L ;j{;fwf/0fnfO{ ;lhn} h]a|fqml;Ë klxrfg ug{ ;xof]u ug]{ p2]Zon], h]a|fqml;Ë dd{t u/]sf] 5 . 6«flkms k|x/Lsf] o; cleofgnfO{ ;xof]u ub}{ dxfnIdL ljsf; a}+s -;fljs otL 8]enkd]G6 a}+s_ n] k}bn ofq'x?nfO{ af6f] sf6\g ;xh agfO{lbg] clek|fon] h]a|f qml;Ëx?sf] /Ë /f]ug tyf dd{t u/Llbg] h:tf] k|;+;gLo sfo{ u/]sf]df gfoa k|x/L dxflg/LIfs ldËdf/ nfdfn] v'zL AoQm ub}{ wGoafb AoQm ug'{ eof] .

dxfnIdL ljsf; a}+s -;fljs otL 8]enkd]G6 a}+s_] n] æhf]8f}+ Ps gftf vf]nL a}+sdf vftfÆ eGg] d'n gf/f ;lxt ldtL @)&$ h]i7 !^ / !& ut] eQmk'/sf] Vjk sn]hdf / tf/s]Zj/ j8f g++ ( l:yt dgd}h' dfWolds laBfnodf laQLo ;fIf/tf sfo{qmddf cfof]hgf u/\of] . sfo{qmddf

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a}+lsË / artsf] dxTj, cfZjf k|0fnfL, P=l6=Pd= sf8{ sf] k|of]u, df]afO{n a}lsË tyf cgnfOg a}lsªsf] pkof]lutf tyf k|of]u, hfnL gf]6 lrGg] k|lawL cflb af/] hfgsf/L u/fO{Psf] lyof] . sfo{qmdf a}+sn] dgd}h' dfWolds laBfnosf h]x]gbf/ laBfyL{x?nfO{ Zf}lIfs ;fdfu|Lx? Tfyf laBfnonfO{ v]ns'b ;fdfu|Lx? k|bfg u/]sf] lyof] .

;dLIff cjlwdf a}+sn] b]ze/ ljleGg sfo{qmdx? u/L ;dfhnfO{ of]ubfg k'¥ofpg] sfo{ u/]sf] 5 . s]xL dxTjk"0f{ ;fdflhs of]ubfgx? lgDg 5g\ M

l;=g+ Gffd ldlt sfo{s|d

! cfa'v}/]gL zfvf @@ h'g @)!& Annapurna Lower Secondary School sf] laBfyL{x?nfO{ :s'n Aofu lat/0f ul/Psf] .

@ kf]v/f zfvf !$, / !^ ;]K6]Da/ @)!^

o; a}+s / Namaste Fondationsf] ;xsfo{df s/La !)) hgf ;a{;fwf/0f sf] :jf:Yo k/LIf0f ul/Psf] .

@*, clk|n @)!& Kf]fv/fdf Financial Literacy Program ;DkGg ul/Psf] .

# s'df/Lkf6L zfvf dxfnIdL :yfg s'df/Lkf6L dGbL/df ;/;kmfO{ sfo{s|d ;DkGg ul/Psf] .

$ vf8Lrf}/ zfvf ! clk|n @)!^ l;Gw'kfNrf]ssf] cu]g8fF8fdf Financial Literacy Program ;DkGg ul/Psf] .

% Go'/f]8 zfvf @*;]K6]Da/@)!^ o; a}+s / bnfnrL kl/jf/sf] ;xsfo{ df nug, Go'/f]8df ;/;kmfO{ sfo{s|d ;DkGg ePsf] .

^ eQmk'/ zfvf @! Gf]fe]Da/ @)!^ EYE Camp ;~rfng ul/Psf] / ;f]af6 sl/a @)) hgf ;a{;fwf/0f nfeflGjt ePsf] .

& gf/fo0fu9 zfvf #) dfr{ @)!& o; a}+s / Gaidakot Women Cooperative sf] ;xsfo{df Financial Literacy Program ;DkGg ul/Psf] .

* n'lDagL zfvf ^ clk|n @)!& Zffvf sfof{no jl/kl/sf] :yfgdf Dustbin lat/0f ul/Psf] .

@ h'g @)!& a'4 hoGtLsf] cj;/df n'lDagL cfpg] ;j{;fwf/0f Pjd\+ wdf{njDaLx/mnfO{ lkpg] kfgL / Cold Drinking lat/0f ul/Psf] .

( r/Lsf]6 zfvf $ d] @)!& bf]Nvf led]Zj/ dlGb/ jl/kl/ ;/;kmfO{ sfo{s|d ;DkGg ul/Psf] .

!) uf]+ua' zfvf !^ h'g @)!& dgd}h' :s'n u+ua', sf7df8f}F}nfO{ :6]zg/L ;fdfg lat/0f ul/ ;xof]u ul/Psf] .

!! aL/u+h zfvf !# hgj/L @)!& dx'jg :s'n aL/u+hnfO{ sk8f tyf :6]zg/L ;fdfg ;xof]u u/]sf],

!@ x]6f}F8f zfvf ( ;]K6]Da/ @)!^ dft[e'ld ;flxTo ;dfhn] u/]sf] ;fxLlTos ;Dd]ngdf ;|i6fx/mnfO{ ;Ddfg :j?k otL ;flxTo k'/:sf/ ljt/0f u/]sf] .

!$ km]a|'c/L@)!& Af}+s / g]kfn xf6{ kmfp08]zgsf] ;xsfo{df :jf:Yo ;DaGwL # yfg xf]l8{u+af]8{ ;xof]u :j?k pknAw u/fO{Psf],

!# hgj/L@)!& efg' xfo/ ;]s]08/L :s'n x]6fF}8fdf Financial Literacy Program ;DkGg ul/Psf] .

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l;=g+ Gffd ldlt sfo{s|d

!# sfnLdf6L zfvf !# ck|Ln @)!& xl/tflnsf lth, Clif kGrdLsf] pknIodf l/if]Zj/ dlGb/, sfnLdf6L df pkl:yt eQmhgx/mnfO{ lkpg] kfgL / free health checkup ;DkGGf u/L ;xof]u ul/Psf] .

!$ v'/v'/] zfvf @$hgj/L @)!& a}+s / /]8s|; ;f];fO6Lsf] ;xsfo{df Blood donation Program sfo{s|d ;DkGg u/]sf],

!% dxf/fhu~h zfvf

& ;]K6]Da/@)!^ lthsf] pknIodf kz'kltgfy dlGb/ ljz]if sfo{s|dsf ;fy} eQmhgx/mnfO{ lkpg] kfgL pknAw u/fPsf],

@# hgj/L @)!& Thalessemia /f]u af6 u|l;t la/fdLsf] pkrf/df ;xof]u k'uf]; eGg] x]t'n] a}+s / Nepal Thalessemia Society sf] ;xsfo{df Society nfO{ ;xof]u k|bfg ul/Psf],

!^ dgx/L zfvf $ ck|Ln @)!& a}+s / Nepal Heart Foundation sf] ;xsfo{df Health Camp ;~rfng ul/Psf]df s/La !%) hgf ;j{;fwf/0f nfeflGjt ePsf],

!& lghu9 zfvf $ ck|Ln @)!& a}+s / 6«flkms sfofn{osf] ;xsfo{df Awareness signage in Highway sfo{s|d ;DkGg ul/Psf] .

!* kfn'Ë zfvf $ ;]K6]Da/ @)!^ laQLo ;fIf/tf ;lxtsf] 1 Day Microfinanace Programme ;DkGg ul/Psf] .

%= ;~rfns ;ldlt / cGo ;ldltx?sf ultljlw Pj+ a}+ssf efjL of]hgfx?-s_ ;~rfns ;ldlt ldlt @)&$÷#÷!% ;Dd * ;b:oLo ;~rfns ;ldlt /x]sf]df ;flas otL 8]enkd]06 a}+s ln=df ;flas

dxfnIdL ljsf; a}+s ln=dh{ eO{ xfn ^ ;b:oLo Ps ;~rfns ;ldlt /x]sf] 5 . k|rlnt a}+s tyf ljQLo ;+:yf ;DaGwL P]g / sDkgL P]gsf] kl/lwleq /xL a}+ssf] gLltut lg0f{o ug{] pRr lgsfosf] e"ldsf lgjf{x ug{] qmddf a}+snfO{ cfjZos ;a} gLlt, lgodx? lgdf{0f tyf cg'udgdf ;~rfns ;ldltsf] ;lqmo e"ldsf /x]sf] 5 . ;fy}, o; ;ldltn] a}+ssf] k|d'v ;"rsfÍx?sf] cg'udg u/L Joj:yfkgnfO{ cfjZos lgb]{zgx? hf/L ug]{, a}+ssf] Joj;flos of]hgf (Business Plan) Pj+ ah]6 :jLs[t ug]{, ;~rfns ;ldltsf] a}7snfO{ Jojl:yt ug{ tyf ;~rfnsx?nfO{ lgod lgb]{zgsf] bfo/fdf /fVg ;~rfns ;ldltn] cfkm\gf] cfrf/;+lxtf nfu" ul/;s]sf] 5 . dh{/ k'j{ ;~rfns ;ldltdf >L /fh]z pkfWofo, >L ch'{g k|;fb zdf{, >L /fh]z afa' >]i7, >L c/m0f/fh ;'dfuL{, >L pQd k|;fb sfo:y, >L k|df]b >]i7, >L >Lxl/ df:s] / >L /mk]Gb| kf}8]n /xg'ePsf] lyof] . cfly{s jif{ @)÷)&$ df o; ;ldltsf] hDdf #^ j6f a}7s -a}7s ### cf}+ b]lv #^* cf}+ ;Dd_ a;]sf] lyof] .

dh{/ kZrft tby{ ;~rfns ;ldltdf xfn >L /fh]z pkfWofo, >L c/m0f /fh ;'dfuL{, >L ;+ho lu/L, >L /fh]z s'df/ /f}lgof/, >L /mk]Gb| kf}8]n / >L lj/]Gb| s'df/ ;+3fO{ /xg' ePsf] 5 .

-v_ n]vfk/LIf0f ;ldlt M sDkgL P]g @)^# sf] bkmf !^$ tyf g]=/f=a}+ssf] lgb]{zg adf]lhd a}+ssf] jfXo n]vfk/LIfs lgo'lQmsf]

nflu l;kmfl/z ug]{, a}+ssf] cfGtl/s n]vfk/LIf0fsf] sfo{If]q lgwf{/0f ug]{, cfGtl/s, afXo tyf s]Gb|Lo a}+saf6 ePsf] n]vfk/LIf0fsf] l;nl;nfdf k|fKt ePsf s}lkmotx¿sf] ;dLIff ug]{ / a}+ssf] cfGtl/s n]vfk/LIf0f ljefun] k]zu/]sf] cfGtl/s n]vfk/LIf0f k|ltj]bgdf plNnlvt s}lkmotx¿ pk/ ;dLIff ug{sf] nflu cf=j=@)÷)&$ Dff ;~rfns >L c/m0f /fh ;'dfuL{ cWoIf, ;~rfns >L /fh]z afa' >]i7 ;b:o, / ;b:o ;lrjdf al/i7 k|aGws -ljQ_ /xg' ePsf]df dh{/ kZrft ldlt @)&$÷#÷@& b]lv n]vfk/LIf0f ;ldltdf ;~rfns >L c/m0f /fh ;'dfuL{ ;+of]hs, ;~rfns >L lj/]Gb| s'df/ ;+3fO{ ;b:o tyf ;b:o ;lrjdf cfGtl/s

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n]vfk/LIf0f ljefusf] k|d'v /xg' ePsf] 5 . ;dLIff cjlwdf o; ;ldltsf] s"n & -;ft_ j6f a}7sx? a;]sf] lyof] . n]vfk/LIf0f ;ldltsf] a}7s jfkt ;+of]hsnfO{ k|lt a}7s ?= %,%))÷— / ;~rfns ;b:onfO{ k|lt a}7s ?=$,%))÷— b/n] k|bfg ug]{ ul/Psf] 5 .

-u_ sd{rf/L Aoj:yfkg tyf ;]jf ;'lawf ;ldlt M a}+sdf Ps sd{rf/L Aoj:yfkg tyf ;]jf ;'lawf ;ldlt u7g eO{ sfo{ ;Dkfbg ub}{ cfO/x]sf] 5 . ;f] ;ldltsf]

sfd st{Ao clwsf/ ;f]lx lgb]{zgsf] cg';"rL -!_ adf]lhd sd{rf/Lx?sf] kfl/>lds ;DaGwL cWoog tyf ljZn]if0f ug]{, sd{rf/Lx?n] ;Dkfbg ug'{ kg]{ sfo{, nIo tyf k|ult d"Nofª\sgsf kl/;"rsx? ljsf; u/L ;f] adf]lhd lghx?sf] sfo{;Dkfbg d"Nofª\sg k|0ffnLsf] k'g/fjnf]sg ug]{,hgzlQm Joj:Yffkg ;DaGwL sfo{x? egf{, 5gf}6, lgo'lQm, kb:yfkgf, ;?jf, a9'jf,>d ;DaGwL of]hgf, gLlt tyf dfkb08x? tof/ u/L ;~rfns ;ldlt ;dIf ;'emfjk]z ug]{ / sd{rf/L gLlt tyf sfo{/tsd{rf/L ;+/rgfsf] ;dLIff ug]{ / Succession Planning tof/ u/L sd{rf/Lsf] j[lQ ljsf; nufot ;]jf ;+u ;DalGwt ljifodf Aoj:yfkgnfO{ dfu{bz{g lbgsf nflu ;~rfns ;ldlt ;dIf l;kmfl/z ug{sf nfuL ;~rfns >L ch'{g k|;fb zdf{sf] ;+of]hsTjdf ;~rfns >L /mk]Gb| kf}8]n, dfga ;+zfwg k|d'v ;b:o ;lrj /x]sf] ;dlt /x]sf]df dh{/ kZrft ag]sf] dxfnIdL lasf; a}+s ln=sf] o; ;ldltdf ;~rfns >L /mk]Gb| kf}8]n ;+of]hs, k|d'v sfo{sf/L clws[t ;b:o,n]vf ;DaGwL laefusf k|d'v ;b:o, hgzlQm laefusf k|d'v ;b:o ;lrj /xg' ePsf] 5 . ;f] ;ldltsf] a}7s jfkt ;+of]hsnfO{ k|lt a}7s ?= %,%))÷— b/n] k|bfg ug]{ ul/Psf] 5 .

a}+ssf] sfo{ ;~rfng bIftfk"j{s r':t ?kdf ;DkGg ug{ ;xh xf];\ eGg] clek|fon] a}+ssf] ;]jfdf of]Uo AolQm 5gf}6 u/L gofF lgo'lQm Pj+ kbk"lt{ ;DaGwL sfo{ ;Dkfbg ug{sf] nflu g]kfn /fi6« a}+ssf] lgb]{zg adf]lhd Joj:yfkg txsf] kbk"lt{ ;ldlt ;d]t u7g ul/Psf] 5 .

-3_ hf]lvd Aoj:yfkg ;ldltM g]kfn /fi6« a}+ssf] lgb{]zg adf]lhd a}+lsË k|0ffnLdf cfOkg]{ ljleGg hf]lvdx?nfO{ ;dod} klxrfg u/L ltgsf]

Go"gLs/0fsf u/L plrt Aoj:yfkg;lxt /fo ;'emfj ;~rfns ;ldltdf k]zug{sf nflu ;~rfns >L pQd k|;fb sfo:y ;+of]hs, hf]lvd ljefusf k|d'v ;b:o ;lrj /x]sf] Ps hf]lvd Aoj:yfkg ;ldlt /x]sf]df dh{/ kZrft ;~rfns >L /fh]z s'df/ /f}lgof/ ;+of]hs, ;~rfng laefusf k|d'v ;b:o, n]vfk/LIf0f ;ldltsf ;+of]hs kb]g ;b:o, hf]lvd laefusf k|d'v ;b:o ;lrj /x]sf] Ps hf]lvd ;ldlt /x]sf] 5 . hf]lvd Go"gLs/0f ug]{ k|0ffnLsf] ljsf; Pj+ ;f]sf] k|efjsfl/tf cflbsf ;DaGwdf tf]lsPsf] cjlwdf Joj:yfkgn] o;;ldltdf k|ltj]bg k]z ug]{ Joj:yf ;d]t ldnfOPsf] 5 .;dLIff cjlwdf o; ;ldltsf] s"n % -kf++r_j6f a}7sx? a;]sf] lyof] . ;f] ;ldltsf] a}7s jfkt ;+of]hsnfO{ k|lt a}7s ?= %,%))÷— b/n] k|bfg ug]{ ul/Psf] 5 .

;f] ;ldltn] a}+ssf] sfdsf/jfxLsf] l;nl;nfdf cGtlg{lxt x'g] shf{ hf]lvd, ahf/ hf]lvd, ;~rfng hf]lvd, t/ntf, k'+FhL kof{Kttf cg'kft nufotsf ljleGg hf]lvdx?sf] dfkg ug]{, pQm hf]lvdx?nfO{ Go'gLs/0f ug{ Joj:yfkgnfO{ dfu{bz{g tyf lgb]{zg lbg] sfo{ o; ;ldltaf6 eO/x]sf] 5 .

-ª_ dh{/÷PlSjlhzg ;ldlt otL 8]enkd]06 a}+s lnld6]8 / cGo a}+s jf ljQLo ;+:yf aLr dh{/ jf PlSjlh;g jf /0fgLlts ;fem]bf/L

vf]Hg] k|s[of cl3 a9fpg ;fwf/0f ;efn] ;~rfns ;ldltnfO{ clVtof/L k|bfg u/]sf] lyof] .

dh{/÷PlSjlhzg ;ldltn] dh{/sf] nflu ;Defljt a}+s tyf ljQLo ;+:yfx?;Fu ljleGg r/0fdf cf}krfl/s ÷cgf}krfl/s 5nkmn Pj+ jftf{ ug]{ qmddf ldlt @) ;fn r}q )! ut] a}+sn] ;fljssf] dxfnIdL ljsf; a}+s lnld6]8;+u dh{/sf] nflu lnlvt ;dembf/L Memorandum of Understanding (MOU) u/]sf]

22



lyof] . ;fljssf] dxfnIdL ljsf; a}+s lnld6]8;Fu dh{/ ug]{ k|of]hgsf nflu ePsf] lnlvt ;dembf/L cg'?k b'j} a}+ssf] k|ltlglwTj x'g]u/L ;~rfns >L /fh]z s'df/ /f]lgof/Ho"sf] ;+of]hsTjdf ;~rfnsx? >L ;+ho lu/L, >L ljgf]b s'df/ cu|jfn, >L ch{'g k|;fb zdf{, >L /fh]z afa' >]i7 / >L c?0f /fh ;'dfuL{ /xg'ePsf] ;+o'Qm dh{/ ;ldlt u7g ePsf] lyof] .

-r_ ;DklQ tyf bfloTj Joj:yfkg ;ldlt ;+:yfsf] ;DklQ tyf bfloTjsf] plrt Joj:yfkg, t/ntf Joj:yfkg, shf{ tyf lgIfksf] Aofhb/ lgwf{/0f tyf

kl/jt{g, ljleGg nufgL of]Uo nufgLsf] cfjZos d'NofÍg ul/ nufgL ug]{, GAAP Analysis, ug]{ k|of]hgfy{ k|d'v sfo{sf/L clws[tsf] cWoIftfdf gfoa k|d'v sfo{sf/L clws[t, ;~rfns k|d'v tyf shf{ ljefu k|d'v ;lxtsf] ;DklQ tyf bfloTj Joj:yfkg ;ldlt (ALCO) /x]sf] 5 . ;ldltsf] ;dLIff cjlwdf !! j6f a}7s a;]sf] lyof] . pQm a}7s jfkt eQf lbg] ul/Psf] 5}g .

-5_ efjL sfo{qmdx? efjL sfo{qmd cGtu{t a}+sn] dxfnIdL kmfpG8]zg v8f ul/ ;f]xL kmfpG8]zg dfkm{t ;fdflhs pQ/bfloTj

sfo{qmd ug]{5 . efjL sfo{qmd cGtu{t a}+sn] k~rjifL{o /0fg}lts of]hgf tof/ ug{ cfjZos u[xsfo{ ul//x]sf] / ;f]xL cg';f/ cufl8 a9\g] of]hgf agfPsf] 5 . a}+sn] cfufdL aif{df ug]{ k|d'v sfo{x? lgDgfg';f/ /x]sf 5g\ M – Ps ;kmn, ;an / pTs[i7 a}+ssf] lrgf/L agfpg] .– d'Vo zx/L If]qdf zfvfx? lj:tf/ ug]{ .– ljleGg ljdf sDkgLx?;+u ;Demf}tf ul/ hLjg tyf lglh{jg ladf ;DaGwL sfdx? (Bancassurance) ul/

;]jfsf] bfo/f lj:tf/ ul/g] 5 .– cfw'lgs a}+lsË ;]jf k|bfg ub}{ hfg] .– clt ljZjf;Lnf] a}+ssf] ?kdf :yflkt ug{ ljif]z hf]8 lbg] .– shf{sf] u'0f:t/df ;'wf/ ub}{ s[lif, phf{, ko{6g nufotsf ;fgf tyf demf}nf pBf]usf] nufgLdf hf]8 lbg

ljleGg shf{ of]hgfx? nfu" ug]{ .– cfGtl/s lgoGq0f k|0ffnLnfO{ ;'b[9 ub}{ hf]lvd Go"gLs/0fdf laz]if Wofg lbg] . hf]lvddf cfwfl/t

Joj:yfksLo lg0f{o lng] ;+:sf/nfO{ k|efjsf/L ?kdf nfu' ug]{ .

^= n]vfkl/Ifssf] lgo'lQm a}+ssf] kGw|f}+ jflif{s ;fwf/0f ;efaf6 lgo'Qm n]vfkl/Ifs >L P;= cf/= kf08] P08 sDkgLn] nuftf/ b'O{

k6s;Dd n]vfkl/If0f ;DkGg ul/;s]sf] x'Fbf sDkgL P]g @)^# sf] bkmf !!! tyf a}+s tyf ljQLo ;+:yf ;DalGw P]g @) sf] bkmf ^# adf]lhd lgodfg';f/ >L P;= cf/= kf08] P08 sDkgL k'gM o; a}+ssf] cfly{s jif{ @)&$÷)&% sf] n]vfk/LIf0f ug{ of]Uo ePsfn] n]vfk/LIf0f ;ldltn] l;kmfl/; u/] adf]lhd n]vfk/LIf0f z"Ns ?= &%),)))÷— tyf sf7df8f}F pkTosf aflx/ e|d0f ubf{ nfUg] oyfy{ lbgsf] k|lt JolQm ?= #,%))÷— / sf7df8f}F pkTosf leqsf zfvfx?df e|d0f ubf{ cl86 kf6{g/nfO{ ?=%))÷— tyf cl86 :6fkmsf] nflu ?= #))÷— sf b/n] pknJw u/fpg] u/L n]vfk/LIfs lgo'Qm ug{ ;efdf k]z ul/Psf] 5 .

&= n]vfk/LIf0f k|ltj]bgdf pNn]lvt s}lkmot / ;f] pk/ ;~rfns ;ldltsf] k|ltlqmof n]vfk/LIf0f k|ltj]bgdf lgoldt Jofj;foLs sf/f]af/df b]lvPsf ;fdfGo ljifox?df lbOPsf ;'emfax¿

jfx]s pNn]Vo s}lkmotx? /x]sf 5}gg\ . Nf]vfk/LIfsaf6 k|fKt ;'emfax? cg'?k ;'wf/ ug{ ;~rfns ;ldlt ;b}j lqmofzLn / k|ltj4 /x]sf] 5 .

@)&$ cfiff9 d;fGtsf] jf;nft, cf=j= @)÷&$ sf] gfkmf–gf]S;fg lx;fa, gfkmf gf]S;fg afF8kmfF8 lx;fa,

23



gub k|jfx ljj/0f, ;DalGwt cg';"rLx¿ / n]vfk/LIfssf] k|ltj]bg o;} k|ltj]bgsf] c+usf] ¿kdf /flvPsf] 5 .

*= gfkmf gf]S;fg af8kmfF8 ut aif{ ;Ddsf] ;fljssf] otL 8]enkd]06 a}+s lnld6]8sf] ;l~rt gf]S;fg ?=#(%,#*),(*&÷– o; aif{sf] v'b

d'gfkmf ?=$$$,@$^,)($÷– / dxfnIdL ljsf; a}+s lnld6]8af6 k|fKt ;l~rt d'gfkmf ?=!**,$(#,$$$÷– u/L hDdf ?=^#@,(,%#*÷– dWo] a}+s tyf ljQLo ;+:yf;DaGwL P]g, @) sf] bkmf $$ adf]lhd v'b gfkmfsf] @) k|ltzt cyf{t ?=**,*$(,@!(÷– ;fwf/0f hu]8f sf]ifdf ;fl/Psf] 5 / g]kfn /fi6« a}+ssf] lgb]{zg cg';f/ nufgL ;dfof]hg sf]ifdf ?=!,!*(,^$!÷–, a}+s tyf ljQLo ;+:yf ;DaGwL P]g, @) sf] bkmf $% adf]lhd ljb]zL d'b|fsf] ljlgdo b/df kl/jt{g ePsf] sf/0faf6 cfh{g ePsf] k"gd'{NofÍg d'gfkmfsf] @% k|ltzt ;6xL 36a9 sf]ifdf ?= @&,#)%÷–, :yug s/ hu]8f sf]ifaf6 ?=!!@,%(^,&^@÷–k|fKt ePsf] 5 / sd{rf/L bIftf clej[l4 sf]ifdf ?=(%(,#&%÷– / ;+:yfut ;fdflhs pQ/bfloTj sf]ifdf ;dLIff jif{sf] v'b gfkmfsf] ! k|ltztn] x'g cfpg] /sd ?=$,$$@,$^!÷– ;f/L afsL /x]sf] /sdaf6 ( k|ltzt cyf{t ?=@#&,)$!,&&)÷– -cIf/]kL t]O; s/f]8 ;Q/L nfv PsrfnL; xhf/ ;ft ;o ;Q/L dfq_ a/fa/sf] gub nfef+z lbg] k|:tfj ul/Psf] 5 To;kl5 afsL x'g] /sd ?=!&,$$%,%$@÷– ;l~rt d'gfkmf zLif{s cGt{ut jf;nftdf ;fg]{ k|:tfj ul/Psf] 5 .

;fy}, ;flas dxfnIdL ljsf; a}+saf6 a}+s tyf ljQLo ;+:yf ;DaGwL P]g, @) sf] bkmf $$ adf]lhd v'b gfkmfsf] @) k|ltzt cyf{t ?=#$@,*&^,)(*÷– ;fwf/0f hu]8f sf]ifdf ;fl/Psf] 5 g]kfn /fi6« a}+ssf] lgb]{zg cg';f/ nufgL ;dfof]hg sf]ifdf ?=!,)#*,@$(÷– :yug s/ hu]8f sf]ifdf ?=#%,*#(,*)#÷– / ;+:yfut ;fdflhs pQ/bfloTj sf]ifdf ;dLIff jif{sf] v'b gfkmfsf] ! k|ltztn] x'g cfpg] /sd ?=@,***,*!#÷– ;f/L cfiff9 d;fGtsf] jf;nftdf hu]8f tyf sf]ifdf k|:t't ul/Psf] 5 .

(= nfef+z afF8kmfF8 ug{ l;kmfl/; ul/Psf] /sd M ut aif{ ;Ddsf] ;fljssf] otL 8]enkd]06 a}+s lnld6]8sf] ;l~rt gf]S;fg ?=#(%,#*),(*&÷– cfly{s jif{

@)÷)&$ sf] v'b d'gfkmf ?=$$$,@$^,)($÷– / dxfnIdL ljsf; a}+s lnld6]8af6 k|fKt ;l~rt d'gfkmf ?=!**,$(#,$$$÷– u/L hDdf ?=^#@,(,%#*÷– dWo]af6 hDdf ?=@#&,)$!,&&)÷– -cIf/]kL t]O; s/f]8 ;Q/L nfv PsrfnL; xhf/ ;ft ;o ;Q/L dfq_ cyf{t\ a+}ssf] ldlt @)&$ c;f/ d;fGtdf sfod r'Qmf k'FhL ?=@,^##,&(&,$$$÷–-cIf/]kL ?= b'O ca{ lq;¶L s/f]8 ;}FtL; nfv ;GtfgAa] xhf/ rf/ ;o rf}jfln; dfq_ sf] ( k|ltzt gub nfef+z -cyf{t ?= @#,&),$!,&&)÷– cIf/]kL t]O; s/f]8 ;Q/L nfv PSrfnL; xhf/ ;ft ;o ;Q/L dfq_ ljt/0f ug]{ k|:tfj ul/Psf] 5 . To;}u/L cfos/ P]g @)%* sf] bkmf $&-s_ adf]lhd ufleO{ lgM;u{ ePsf] lgsfon] uflePsf] ldtLn] b'O{ aif{ leq uflePsf] cj:yfdf sfod /x]sf] z]o/wgLnfO{ ljt/0f u/]sf] nfef+zdf s/ gnfUg] x'gfn] nfef+z s/sf] nflu /sd 5'§fOPsf] 5}g . ;f] lgod adf]lhd @)÷)#÷!& ut] ;Dd ;]o/ vl/b u/]sf ;]o/wgLx?nfO nfef+zdf s/ nfUg] 5}g eg] To;kl5 ;]o/ vl/b u/]sf ;]o/wgLx?nfO nfef+z s/ nfUg]5 .

wGojfb 1fkgcfb/0fLo z]o/wgL dxfg'efjx?, ;fljssf] dxfnIdL ljsf; a}+s;Fusf] dh{/;Fu} a}+ssf] k'FhLdf pNn]Vo dfqfdf a[l4 eP cg'?k a}+ssf] sfo{If]q Joj;foLs Ifdtfdf ;d]t clea[l4 eO{ g]kfnsf] ljQLo If]qsf] Ps lhDd]jf/ k|lt:kwL{ a}+ssf] ?kdf klxrfg agfpg ;kmn x'g] s'/fdf ljZjf; lnPsf 5f}F . dh{/ kZrft a}+snfO{ ljkGg ju{ shf{, s[lif Pj+ pTkfbglzn If]qdf k|ToIf?kdf shf{ k|jfx ug]{ cj;/ k|fKt ePsf] tyf ;fgf tyf demf}nf shf{sf] kf]6{kmf]lnof] pNn]Vo dfqfdf j[l4ePsf] cj:yf /x]sf] 5 . a}+ssf] xfn;Ddsf] k|ultsf nflu k|ToIf jf ck|ToIf ?kn] cf–cfkm\gf] If]qaf6 lg/Gt/ ;xof]u, ;'emfj, ;b\efj tyf dfu{bz{g k|bfg ug'{ x'g] ;Dk"0f{

24



z]o/wgL dxfg'efjx?, g]kfn /fi6« a}+s,sDkgL /lhi6«f/sf] sfof{no, g]kfn lwtf]kq af]8{, g]kfn, g]kfn :6s PS:r]Gh lnld6]8, l;l8P; P08 lSnol/Ë lnld6]8 nufotsf lgodgsf/L lgsfox?, cfb/0fLo u|fxsju{ Pjd\ ;d:t ;/f]sf/jfnfx? k|lt a}+ssf] ;~rfns ;ldlt xflb{s s[t1tf ;lxt wGojfb JoQm ub{5 . ;fy} a}+ssf] ultljlwx?nfO{ ;sf/fTds ?kdf hg;dIf k'¥ofO{ lbg] ;+rf/ hut / k|ToIf ck|ToIf ?kdf a}+snfO{ ;xof]u k'¥ofpg] ;Dk"0f{ z'e]R5'sx? k|lt xflb{s cfef/ JoQm ug'{sf ;fy} a}+ssf] ;kmntfsf] nflu cys kl/>d ug]{ Joj:yfkg tyf sd{rf/Lx?nfO{ wGojfb 1fkg ub{5f}F .

cGTodf, cfufdL lbgx¿df klg oxfF+x¿ ;a}af6 ;xof]u tyf ;b\efj kfpg] ck]Iff /fv]sf 5f}F . wGojfb . ;~rfns ;ldltsf] tkm{af6 /fh]z pkfWofo cWoIf

25



k|d'v sfo{sf/L clws[tsf] dGtAo

cfly{s aif{ @)÷)&$ df xfdLn] bL3{sfnLg ?kdf ljQLo pknlAw xfl;n ug{ dxTjk"0f{ /0fgLlts sbd rfNof}F . g]kfnsf ljsf; a}+sx? dWo] k'‘hL, lgIf]k, zfvf ;+Vof cflbsf cfwf/df ;a}eGbf 7"nf] ljsf; a}+s x'gsf] nflu k|:t't cfly{s jif{sf] cGtlt/ dxfnIdL ljsf; a}+s ln= / otL 8]enkd]G6 a}+s ln= ljr Ps cfk;df ufEg] ufleg] sfo{ ;kmntfk"j{s ;DkGg u¥of}F . ;+:yfx? uflePkl5 b]lvg] k|efjx?nfO{ ;sf/fTds agfpg sd{rf/Lx?sf]] Ifdtf clej[l4 ug]{, u|fxsx?nfO{ k|bfg ul/g] ;]jfdf j[l4 ug]{ tyf ;+:yfsf] ;fvnfO{ dha't agfpg cfjZos sbdx? rfNb}5f}F . u|fxsx?sf] ;Gt'i6Ln] g} ;+:yfsf] bL3{sfnLg Joj;fo lj:tf/ ug{ ;lsg] ePsfn] u|fxsx?nfO{ pRr:t/sf] ;]jfsf] cg'e"lt ug{ cfaZos sfo{x? lg/Gt/ ub}{hfg] of]hgf /x]sf] 5 .

;dLIff jif{df a}+s tyf ljQLo ;+:yfx?sf] lgIf]k / shf{sf] j[l4b/df cl3Nnf] jif{sf] t'ngfdf s]lx sdL cfPsf] 5 . To:t} ljk|]if0f cfk|jfxdfklg cl3Nnf] jif{sf] t'ngfdf sdL ePsf] 5 . g]kfn /fi6« j}+sn] a}+s tyf ljQLo ;+:yfx?sf] r'Qmfk'‘hLdf ul/Psf] j[l4n] a}+s tyf ljQLo ;+:yfx?sf] k‘'+hLsf] cfwf/ alnof] x'g]ePklg ;f]xL cg'kftdf Joj;fo j[l4 u/L ;f]sf] plrt Joj:yfkg ug{ r'gf}tLk"0f{ /x]sf] 5 . ;+:yfut ;'zf;g sfod ul/ Joj;fosf c;n dfGotfx?nfO{ cª\uLsf/ ub}{ Pp6f ;kmn / ;an ;+:yf agfpg g]t[TjbfoL Ifdtf k|:t't ug{ ;Ifd x'g'kb{5 eGg] d]/f] ljZjf; /x]sf] 5 . ;+:yfsf] k|ultsf nflu hf]lvd tyf d'gfkmf lar plrt ;Gt'ng sfod /fVg / ;w}+ lgi7fk"0f{ / ;Ddfghgs Jojxf/ ug{ h?/L x'G5 eGg] xfd|f] ljZjf; /x]sf] 5 .

rfn' cfly{s aif{sf] cw{–jflif{s ;dLIffnfO{ x]bf{ ko{6s cfudgdf j[l4, ljB't cfk'lt{df lg/Gt/tf, zflGtk"0f{ ?kdf ;DkGg ePsf r'gfjsf sf/0f cfly{s ultlalw ultzLn /xg] ck]Iff ul/Psf] 5 . csf]{tkm{ a9\bf] rfn' vftf 3f6f / a}+sx?sf] ;fwg kl/rfngdf b]lvPsf] c;Gt''ngsf sf/0f ;du| cfly{s Pjd\ ljQLo :yfloTj sfod ug]{ sfo{ r'gf}tLk"0f{ x'g] b]lvPsf] 5 . xfn ljQLo If]qdf b]lvPsf r'gf}tLx?sf jfjh"b klg cfw'lgs a}+lsË ;'ljwfx? pknAw u/fpg, a}+lsË ;]jfdf kx'+r j[l4 ug{, nufgLstf{nfO{ plrt k|ltkmn lbg tyf ;du| ;/f]sf/jfnfx?sf] lxt ;+/If0f ub}{ Pp6f ;jn, ;Ifd / ;'b[9 ;+:yfsf] ?kdf cl3 a9fpg] af6f]df cu|;/ eO{/xg] 5f}F .

cGTodf, ;Dk"0f{ u|fxsju{x?, lgofds lgsfox? tyf z]o/wgLx?df pxfFx?n] lg/Gt/ k'¥ofpg' ePsf] cd"No ;xof]usf] nfuL xflb{s wGojfb JoQm ub}{ ;~rfns ;ldltaf6 lg/Gt/ ?kdf k|fKt dfu{bz{g / xfdL k|ltsf] ljZjf;sf nflu tyf d]/f ;Dk"0f{ ;xsdL{x?n] k'¥ofpg' ePsf] of]ubfg k|lt xflb{s wGojfb 1fkg ub{5' .

s[i0f/fh nfld5fg]k|d'v sfo{sf/L clws[t

26



lwtf]kq btf{ tyf lgisfzg lgodfjnL @) sf] lgod @^ -@_ ;“u ;DalGwt yk ljj/0fx¿M

!= ;~rfns ;ldltsf] k|ltj]bg o;} jflif{s k|ltj]bgdf ;+nUg ul/Psf] .

@= n]vfk/LIfssf] k|ltj]bg o;} jflif{s k|ltj]bgdf ;+nUg ul/Psf] .

#= n]vfk/LIf0f ePsf] ljQLo ljj/0f o;} jflif{s k|ltj]bgdf ;+nUg ul/Psf] .

$= sfg"gL sf/jfxL ;DjGwL ljj/0f M -s_ q}dfl;s cjlwdf ;+ul7t ;+:yfn] jf ;+:yfsf] lj?4 s'g} d'2f bfo/ ePsf] eP M Aofj;flos sf/f]jf/sf] l;nl;nfdf bfo/ ePsf d'2f jfx]s cGo s'g} pNn]vgLo d'2f g/x]sf] . -v_ ;+ul7t ;+:yfsf] ;+:yfks jf ;+rfnsn] jf ;+:yfks jf ;+rfnssf] la?4 k|rlnt lgodsf] cj1f jf

kmf}hbf/L ck/fw u/]sf] ;DjGwdf s'g} d'2f bfo/ u/]sf] jf ePsf] ePM k|ltj]bg cjlwdf o; ;DaGwdf sDkGfLnfO{ s'g} ;"rgf tyf hfgsf/L k|fKt gePsf] .-u_ s'g} ;+:yfks jf ;+rfns lj?4 cfly{s ck/fw u/]sf] ;DjGwdf s'g} d'2f bfo/ ePsf] eP M o; ;DaGwdf sDkgLnfO{ s'g} hfgsf/L k|fKt gePsf] .

%= ljQLo ;+:yfsf] z]o/ sf/f]jf/ ;DaGwL ljZn]if0f-s_ lwtf]kq ahf/df ePsf] ;+ul7t ;+:yfsf] z]o/sf] sf/f]jf/ ;DjGwdf Joj:yfkgsf] wf/0ff M g]kfn lwtf]kq af]8{ / g]kfn :6s Ps;r]Ghsf] ;'kl/j]If0fdf ;~rflnt ;]o/ sf/f]jf/sf] d"No dfu /

cfk"lt{sf] l;4fGtcfwfl/t x'g] ePsf]n] o; ;DaGwdf sDkgLsf] s'g} wf/0ff g/x]sf] .-v_ ut aif{sf] k|To]s q}dfl;s cjlwdf a}ssf] z]o/sf] clwstd, Go'gtd / clGtd d"Nosf ;fy} s'n sf/f]jf/

z]o/ ;ª\Vof tyf sf/f]jf/ ;ª\Vof M cf=j )÷)&$ df sDkgLsf] z]o/sf] clwstd, Go"gtd, clGtd d"No, sf/f]jf/ ePsf] s'n lbg tyf

sf/f]jf/ ;ª\Vofsf] ljj/0f b]xfo adf]lhd /x]sf] 5 . -g]kfn :6s PS;]Gh lnld6]8sf] j]a;fO{6 www.nepalstock.com cg';f/_ @)÷!!÷#) df ;flas dxfnIdL ljsf; a}s / otL 8]enkd]06 a}s ln= dh{ ug{] ;Demf}tf eP cg';f/ /f]Ssf /x]sf] z]o/ @)&$ >ffj0f k5fl8 /f]Ssf km's'jf ePsfn]] ;f]xL cg';f/sf] ljj/0f pNn]v ePsf] 5 .

ljj/0f @)&$ cfiff9 d;fGt

clwstd d"No @$%

Go"gtd d"No @@$

clGtd d"No @!(

s'n sf/f]jf/ ePsf] z]o/ ;+Vof @*@

s'n sf/f]jf/ lbg !(

27



^= ;d:of / r'gf}tL-s_ cfGtl/s ;d:of tyf r'gf}tL M– sf/f]af/ tyf zfvfx/m j[l4 ;Fu;Fu} ;~rfng hf]lvd Aoj:yfkg r'gf}ltk"0f{ x'g',– zfvf lj:tf/ tyf gofF ;]jf z'? ug{sf] nflu cfjZos bIf hgzlQmsf] cefj,– a}+saf6 k|bfg ul/g] bL3{sfnLg, dWosfnLg, rfn' k'FhL h:tf sf]ifdf cfwfl/t shf{ tyf u}x|sf]ifLo

;]jfx¿ pknJw u/fpFbf x'g ;Sg] ;Defljt hf]lvdx¿,– a9\bf] ;~rfng nfut / hgzlQm Aoj:yfkg, – lgIf]k tyf shf{ nufgL Jofh b/df x'g] kl/jt{gaf6 c;/ kg]{ hf]lvdx¿,– ;dodf shf{ c;'nL ge} pTkGg x'g] cfly{s hf]lvdx¿,– Banking Sofware df k|fljlws u8a8Ln] x'g ;Sg] ;d:of Pa\d hf]lvd,

-v_ afXo ;d:of tyf r'gf}tL M – g]kfn /fi6« a}+s tyf g]kfn ;/sf/n] hf/L ug]{ gLlt, lgb]{zg tyf sfg"gx¿df x'g] kl/jt{gn] pTkGg x'g

;Sg] ;Defljt hf]lvdaf6 x'g] r'gf}tL,– ;Lldt nufgL If]qdf ePsf] k|lt:kwf{,– nufgL d}qL jftfj/0fsf] cefj,– b]zsf] cfly{s cj:yfdf cfpg] ptf/r9fjaf6 pTkGg x'g ;Sg] hf]lvdaf6 x'g] r'gf}tL,– ljZjJofkL cfly{s ultljlwdf ;':ttf, s'n uf|x:y pTkfbgsf] 7"nf] lx::ff cf]u6]sf] /]ld6\ofG;sf] 36\bf]

cj:yfn] ubf{ a:t'x/msf] pkef]udf ;ª\s'rg cfpg] cj:yfn] shf{ k|jfxdf c:yL/ / lgIf]kdf ;d]t k|efj,– a}+lsË If]qdf ;do ;dodf x'g] t/ntfsf] ;Df:of, shf{ nufgLsf cj;/x¿ 36\b} hfg' tyf a9\bf]

hf]lvdsf] cj:yf,

-u_ ;d:of tyf r'gf}tL ;dfwfg ug{ Aoj:yfkgn] cjnDag u/]sf] /0fgLlt M – sd nfutsf] lgIf]k / a[xb ;~hfn dfkm{t Jofkf/ Joj;fo j[l4 ug]{ p2]Zon] ul/Psf] zfvf lj:tf/

cleofg, – /]ld6\ofG; k|a4{g,– shf{ nufgL k|bfg ubf{ lj:t[t cWoog ug]{ ul/Psf],– a}+ssf] gLlt lgod tyf cfGtl/s lgoGq0f k|0ffnL r':t b'?:t /flvPsf],– eljiodf x'g ;Sg] hf]lvdaf6 aRg sd{rf/Lx¿nfO{ cfjZos tflnd lbg] ul/Psf] – sDkgLsf] Banking Software df x'g ;Sg] k|fljlws u8a8Laf6 aRg cfjZos Back-up /fVg] ul/Psf],– shf{ tyf ;fk6 / nufgL v/fa eO{ x'g ;Sg] hf]lvdjf6 aRgsf nflu cfjZos hf]lvd sf]ifsf] Joj:yf

ul/Psf],– nufgLsf gofF ;|f]tx¿ klxrfg ug]{ / ahf/sf] cj:yf cg';f/ Aofhb/ cGt/ sfod ug]{,– hf]lvd Joj:yfkgdf ;'b[9Ls/0f tyf nufgL Joj:yfkg ug]{, – rfn' ;]jfx¿sf ;fy} gofF+ tyf cfsif{s ;]jfx¿sf] ;'?jft ug]{, – To;sf nflu cNksfnLg Pj\d bL3{sfnLg /0fgLtL tyf shf{ nufgLsf] ;'/lIft If]q klxrfg u/L shf{

nufgL tyf Go"g Aofhb/df lgIf]k kl/rfng ug'{,– ;DklQ tyf bfloTjsf] plrt Aoj:yfkg,– ;~rfng vr{sf] lgoldt cg'udg Pjd\ ljZn]if0f ug]{ ul/Psf],– gofF+ a}+s tyf ljQLo ;+:yfx¿sf] zfvf lj:tf/ ;F+u} bIf hgzlQmsf] cefj b]vfk/]sf] kl/k|]Iodf a}+sjf6

To:tf bIf tyf of]Uo sd{rf/Lx¿sf] jlxu{dgnfO{ /f]Sg cfjZos gLlt th'{df ul/g]5 .

28



&= ;+:yfut ;'zf;g– Gf]=/f=a}+s tyf cGo lgodg lgsfoaf6 hf/L ul/Psf] lgb]{zg, kl/kqsf] k'0f{ kl/kfngf ug]{ ul/Psf],– sDkgLsf] cfGtl/s lgoGq0f k|0ffnLnfO{ Aojl:yt ug{ cfGtl/s n]vfk/LIfs lgo'Qm ug'{sf] ;fy} n]vfk/LIf0f

ljefunfO{ ;d]t u7g ul/Psf],– sDkgLsf] cfjZostfcg';f/ ljleGg ;ldltx¿ u7g ul/Psf],– ;~rfns ;ldltsf] a}7s / ljleGg ;ldltx/msf] a}7s, Aoj:yfkg ;ldltsf] a}7s lgoldt ¿kdf x'g]

u/]sf],– sDkgLdf ;+:yfut ;'zf;g sfod /fVg ;~rfns ;ldlt tyf Aoj:yfkg sl6a4 /x]sf],– ;DklQ tyf bfloTj / hf]lvd Aoj:yfkgnfO{ s8fOsf ;fy kfngf ug]{ ul/Psf],

*= lwtf]kq lgisfzg lgb]{lzsf @)^% sf] bkmf @* cg';f/ ljj/0fkqdf k|If]k0f ul/Psf ljj/0fx/m dWo] aL; k|ltzt jf ;f] eGbf a9Ln] km/s k/]sf ljj/0fx/m M

o;} k|ltj]bgdf ;+nUg /x]sf] .

(= lgod @^ sf] pklgod -%_ ;+u ;DalGwt ljz]if 36gf jf kl/l:ylt ;DaGwL ljj/0f o; k|sf/sf] ljz]if 36gf jf kl/l:ylt gePsf] .

29



sDkgL P]g @)^# sf] bkmf !)( pkbkmf $ adf]lhdsf] cltl/Qm ljj/0f

!= ljut jif{sf] sf/f]af/sf] l;+xfjnf]sg M ;~rfns ;ldltsf] k|ltj]bgdf lj:t[t /mkdf pNn]v ul/Psf] 5 .

@= /fli6«o tyf cGt/f{li6«o kl/l:yltaf6 sDkgLsf] sf/f]af/nfO{ s'g} c;/ k/]sf] eP ;f] c;/ ;g\ @)!^ df ljZj cy{tGq #=! k|ltztn] j[l4 ePsf]df ;g\ @)!& df #=% k|ltztn] j[l4 x'g] cGt/f{li6«o

d'b|fsf]ifsf] k|If]k0f 5 . ljZj cfly{s j[l4b/df cfPsf] ;'wf/af6 g]kfn nufotsf cNkljsl;t dn's'x?df ;sf/fTds k|efj kg{] bl]vG5 . cfly{s jif{ @)÷&$ df b]zsf] s'n ufx{:Yo pTkfbg j[l4b/ pTkfbssf] d"Nodf cl3Nnf] jif{sf] )=$ k|ltztsf] t'ngfdf &=% k|ltzt /x]sf] 5 . To;}u/L, cfwf/e"t d"Nodf s'n ufx{:Yo pTkfbg j[l4b/ cl3Nnf] jif{sf] )=)! k|ltztsf] t'ngfdf ^=( k|ltzt /x]sf] cg'dfg 5 . To;}u/L ;dLIff aif{df ;]jf If]qsf] pTkfbg ^=( k|ltztn] a9]sf] cg'dfg 5 . cl3Nnf] aif{ of] If]q @=! k|ltztn] j[l4 ePsf] lyof] . ko{6s cfudgdf j[l4 / Jofkf/ Pjd\ ;+rf/ If]qsf] lj:tf/sf sf/0f ;]jf If]qsf] j[l4b/ a9]sf] xf] . ;dLIff cjlwdf ePsf] b]zsf] ;du| ljQLo lj:tf/;+u} o; a}+ssf] sfo{;Dkfbg ;d]t ;Gtf]ifhgs /x]sf] 5 / a}+sn] ck]lIft d'gfkmf xfFl;n ug{ ;kmn ePsf] 5 .

#= k|ltj]bg tof/ ePsf] ldlt;Dd rfn" jif{sf] pknlAw / eljiodf ug'{ kg]{ s'/fsf] ;DaGwdf ;~rfns ;ldltsf] wf/0ff M

;~rfns ;ldltsf] k|ltj]bgdf lj:t[t /mkdf pNn]v ul/Psf] 5 .

$= sDkgLsf] cf}Bf]lus jf Jofj;flos ;DaGw M sDkgLn] cfkm\gf] sf/f]jf/;Fu ;DalGwt u|fxsx?, Jofj;flos Pj+ cf}Bf]lus k|lti7fg, ;ª\3 ;+:yfx? tyf

ljleGg lgsfox?;Fu ;'dw'/ tyf Jofj;flos ;DaGw sfod ub}{ cfPsf] 5 . sDkgLsf] cf}Bf]lus, Jofj;flos Pj+ ;fdflhs ;DaGwx¿ cfufdL lbgdf c´} lj:tf/ ub}{ nfg] / o;nfO{ cfˆgf] lxt k|j4{g / sf/f]af/ lj:tf/sf] nflu ;d]t pkof]u ul/g]5 .

%= ;~rfns ;ldltdf ePsf] x]/km]/ / ;f]sf] sf/0f ;~rfns M o; ;DaGwdf ;~rfns ;ldltsf] k|ltj]bgdf pNn]v ul/Psf] 5 .

^= sf/f]af/nfO{ c;/ kfg]{ d'Vo s'/fx¿ M o; ;DaGwdf ;~rfns ;ldltsf] k|ltj]bgdf pNn]v ul/Psf] 5 .

&= n]vfk/LIf0f k|ltj]bgdf s'g} s}lkmot pNn]v ePsf] eP ;f] pk/ ;~rfns ;ldltsf] k|ltlqmof o; ;DaGwdf ;~rfns ;ldltsf] k|ltj]bgdf pNn]v ul/Psf] 5 . a}+ssf] cf=j=@)÷&$ sf] ljQLo ljj/0f g]kfn /fi6«

a}+saf6 ldlt @)&$÷!@÷!@ df :jLs[t x'+F+bf lbOPsf] lgb]{zg o;} k|ltj]bgsf] kl5Nnf] k[i7df ;dfj]z ul/Psf] 5 .

*= nfef+z afF8kmfF8 ug{ l;kmfl/; ul/Psf] /sd M o; ;DaGwdf ;~rfns ;ldltsf] k|ltj]bgdf pNn]v ul/Psf] 5 .

(= ;]o/ hkmt ePsf] eP hkmt ePsf] z]o/ ;+Vof, To:tf] z]o/sf] clÍt d"No, To:tf] ;]o/ hkmt x'g'eGbf cufj} ;f] afkt sDkgLn] k|fKt u/]sf] hDdf /sd / To:tf] ;]o/ hkmt ePkl5 ;f] ;]o/ laqmL u/L sDkgLn] k|fKt u/]sf]

30



/sd tyf hkmt ePsf] ;]o/afkt /sd lkmtf{ u/]sf] eP ;f]sf] ljj/0f M k|ltj]bgsf] cjlwdf z]o/ hkmt ul/Psf] 5}g .

!)= ljut cfly{s jif{df sDkgL / o;sf] ;xfos sDkgLsf] sf/f]af/sf] k|ult / ;f] cfly{s jif{sf] cGtdf /x]sf] l:yltsf] k'g/fjnf]sg M

sDkgLn] u/]sf] k|ultsf af/]df o;} k|ltj]bgsf] ljleGg a'F+bfx¿df k|:t't ul/;s]sf 5f}F . sDkgLsf] s'g} klg ;xfos sDkgL /x]sf] 5}g .

!!= sDkgL tyf To;sf] ;xfos sDkgLn] cfly{s jif{df ;DkGg u/]sf] k|d'v sf/f]af/x? / ;f] cjlwdf sDkgLsf] sf/f]af/df cfPsf] s'g} dxTjk"0f{ kl/jt{g M

cf=j @)÷)&$ sf] cGtdf ;flas dxfnIdL ljsf; a}+s ln= ;flas otL 8]enkd]06 a}+s ln=df dh{ ePkl5 ag]sf] dxfnIdL ljsf; a}+s ln= n] ;DkGg u/]sf] k|d'v sf/f]af/ / sf/f]af/df cfPsf] kl/jt{g ;+nUg jf;nft, gfkmfgf]S;fg lx;fa, gub k|afx ljj/0f tyf n]vf ;DaGwL ljj/0fn] k|i6 kfb{5g\ .

!@= ljut cfly{s jif{df sDkgLsf] cfwf/e"t ;]o/wgLx?n] sDkgLnfO{ pknAw u/fPsf] hfgsf/L M o:tf] s'g} hfgsf/L k|fKt gePsf] ;fy} cfwf/e"t ;]o/wgLx?sf] ljj/0f k5fl8 k[i7df pNn]v ul/Psf] 5 .

!#= ljut cfly{s jif{df sDkgLsf ;~rfns tyf kbflwsf/Lx¿n] lnPsf] ;]o/sf] :jfldTjsf] ljj/0f / sDkgLsf] ;]o/ sf/f]af/df lghx¿ ;+nUg /x]sf] eP ;f] ;DaGwdf lghx¿af6 sDkgLn] k|fKt u/]sf] hfgsf/L M

;~rfnsx/mn] lnPsf] ;]o/ :jfldTjsf] ljj/0f lgDg adf]lhd /x]sf] 5 . ;]o/ sf/]faf/df ;~rfns tyf Aoj:yfkg ;+nUg 5}gg\ . sd{rf/Lx/mnfO{ 5'§fOPsf] ;]o/ afx]s kbflwsf/Ln] o; sDkgLsf] ;]o/ lnPsf 5}gg .

?= xhf/df

!$= ljut cfly{s jif{df sDkgL;Fu ;DalGwt ;Demf}tfx?df s'g} ;~rfns tyf lghsf] glhssf] gft]bf/sf] JolQmut :jfy{sf] af/]df pknAw u/fOPsf] hfgsf/Lsf] Joxf]/f M

o:tf] s'g} sf/f]af/sf af/]df hfgsf/L k|fKt gePsf] .

!%= sDkgLn] cfkm\gf] z]o/ cfkm}n] vl/b u/]sf] eP To;/L cfkm\gf] z]o/ vl/b ug'{sf] sf/0f, To:tf] z]o/sf] ;ª\Vof / clÍt d"No tyf To;/L z]o/ vl/b u/]afkt sDkgLn] e'QmfgL u/]sf] /sd M

sDkgLn] cfkm\gf] ;]o/ cfkm}n] vl/b u/]sf] 5}g .

!^= cfGtl/s lgoGq0f k|0ffnL eP jf gePsf] / ePsf] eP ;f]sf] lj:t[t ljj/0f o; ;DaGwdf ;~rfns ;ldltsf] k|ltj]bgdf lj:t[t ljj/0f pNn]v ul/Psf] 5 .

!&= ljut cfly{s jif{sf] s'n Joj:yfkg vr{sf] ljj/0f M a}+ssf] ;dLIff cjlwsf] Joj:yfkg vr{x?sf] ljj/0f b]xfo adf]lhd /x]sf] 5 M

qm=;+ ;'ljwfk|d'v sfo{sf/L clws[t

-;fljs dxfnIdL ljsf; a}+s_

k|d'v sfo{sf/L clws[t -;fljs otL 8]enkd]06

a}+s_

Aoj:yfkgsf cGo kbflwsf/Lx?

! Tfna #,%&) !,(@*=%) !*,$(!=)(

@ EfQf !,^&& !,)!(=#% !!,$@(=!!

# bz}F EfQf #!% !&% !,(#*=$(

HfDdf M tna tyf eQf %,%^@ #,!@@=*% #!,*%*=^(

31



a}+ssf] s'n Joj:yfkg vr{sf] lj:t[t ljj/0f a}+ssf] cfly{s ljj/0fsf] cg';"rL $=@# / $=@$ df pNn]v ul/Psf] 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—

cf=j @).)&$ Dff dh{/ cl3 ;~rfns >L c/m0f /fh ;'dfuL{ ;+of]hs, ;~rfns >L /fh]z afa' >]i7 ;b:o tyf Afl/i7 k|aGws -ljQ_ ;b:o ;lrj /xg' ePsf] n]vfk/LIf0f ;ldlt /x]sf]df dh{/ kZrft pQm ;ldlt k'g{u7g eO b]xfo adf]lhdsf kbflwsf/L /x]sf] ;ldlt lqmofzLn /x]sf] 5 .

;~rfns >L c/m0f /fh ;'dfuL{ ;+of]hs ;~rfns >L lj/]Gb| s'df/ ;+3fO{ ;b:o cfGt/Ls n]vfk/LIf0f ljefu k|d'v ;b:o ;lrj

kf/L>lds M ;ldltsf] ;+of]hsnfO{ ¿= %,%)).— / ;b:onfO{ ¿=$,%)).— eQf dfq k|bfg ul/Psf] / ;f] afx]s cGo s'g} klg ;'lawf k|bfg ul/Psf] 5}g . cfGtl/s n]vfk/LIf0fsf] sfo{ ug]{ ;b:o ;lrjnfO{ eQf tyf s'g} ;'lawf k|bfg ul/Psf] 5}g .

;'emfjM ;ldltn] a}+ssf] ljQLo l:ylt, cfGtl/s lgoGq0f k|0ffnL, ljleGg sfg'"gL lgb]{lzsfx?sf] cg'kfng tyf hf]vLd Go"gLs/0fsf ;DaGwdf Aoj:yfkgnfO{ lgb]{zg / ;'emfj lbg'sf ;fy} ;~rfns ;ldltnfO{ hfgsf/L k|bfg u/]sf] 5 .

!(= ;~rfns, k|aGw ;~rfns, sfo{sf/L k|d'v, sDkgLsf cfwf/e"t ;]o/wgL jf lghsf] glhssf gft]bf/ jf lgh ;+nUg /x]sf] kmd{, sDkgL jf ;+u7Lt ;+:yfn] sDkgLnfO{ s'g} /sd a'emfpg afFsL eP ;f] s'/f

gePsf] .

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

-s_ cWoIf tyf ;~rfns M ;~rfns ;ldltsf cWoIf tyf ;~rfnsx/mnfO{ k|aGwkq tyf lgodfjnLdf pNn]v eP adf]lhd cWoIfnfO{

/m=^,%)).— / ;~rfnsnfO{ /m=%,%)).—-s/ ;lxt_ k|lt a}7s eQf k|bfg ul/Psf] / ;f] afx]s cGo s'g} ;'lawf k|bfg ul/Psf] 5}g .

cf=j= @)÷)&$ df a}7s eQf afkt ;~rfnsx/mnfO{ hDdf /m=(,)%,))) vr{ ePsf] 5 . sfo{sf/L k|d'v tyf kbflwsf/Lx?nfO{ e'QmfgL ul/Psf] kfl/>lds, eQf tyf ;'ljwfsf] /sd M

qm=;+= cfly{s jif{ sd{rf/L vr{ cGo ;~rfng vr{

!= @)÷)&$ !!!,!)!=^@ !$!,$#@=%&

/sd ? xhf/df

32



Tfna, eQfafx]s k|d'v sfo{sf/L clws[tnfO{ lgDg adf]lhdsf ;'ljwf k|bfg ul/Psf] lyof] M— s_ ;~ro sf]if, / af]g; P]g cg';f/sf] af]g; ;'ljwf .v_ a}+ssf] lgod cg';f/sf] cf}iflw vr{, hLjg ladf .u_ a}+ssf] lgodcg';f/ OGwg vr{ ;'ljwf tyf df]afOn vr{ ;'ljwf .

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

@@= bkmf !$! adf]lhd ;DklQ vl/b jf laqmL u/]sf] s'/fsf] ljj/0f M k|ltj]bg cjlwdf sDkgLnfO{ cfjZos kg]{ cfkm\gf] ;DklQx/m -kl/jxg, sfof{no ;fdfg, kF'lhut lgdf{0f,

lnhxf]N8 ;DklQ_ tyf laqmLsf] ljj/0f ;+nUg jf;nftsf] cg';"lr !$ /x]sf] 5 .

@#= bkmf !&% adf]lhd ;Da4 sDkgLaLr ePsf] sf/f]af/sf] ljj/0f M o; a}+ssf] s'g} ;xfos, d'Vo, cGo ;Da4 sDkgL gePsf] .

@$= o; P]g tyf k|rlnt sfg"gadf]lhd ;~rfns ;ldltsf] k|ltj]bgdf v'nfpg' kg]{ cGo s'g} s'/f o; ljifo;F+u ;DalGwt ;~rfns ;ldltsf] k|ltj]bgdf lj:t[t /mkdf v'nfO{ ;lsPsf] 5 .

@%= cGo cfjZos s'/fx¿ M gePsf] .

qm=;+ ;~rfnssf] gfd 7]ufgf k|ltlglwTj Z]fo/ ;+Vof

! >L /fh]z pkfWofo Rf08f]n, sf7df8fF} ;+:yfks #&,##)

@ >L c/m0f /fh ;'dfuL{ d]g/f]8 x]6f}F8f $ ;+:yfks @&,(*%

# >L ;+ho lu/L aL/u+h !@, k;f{ ;+:yfks #,&@,!)^

$ >L /fh]z s'df/ /f}lgof/ sf7df8f}F} j8f g+= ## ;+:yfks %,)^,(!*

% >L /mk]Gb| kf}8]n lstL{k'/ !, sf7df8f}F ;j{;fwf/0f #,!@&

^ >L lj/]Gb| s'df/ ;+3fO{ sf7df8f}F j8f g+= ## ;j{;fwf/0f @(,(&%

;+:yfsf] gfd /sd -/m=_

;flas otL kmfOgfG; ln=, !,)*,!%@÷%*

;flas EofnL kmfOgfG; ln=, (,@*,#$(÷%)

;flas dxfnIdL kmfOgfG; ln=, $^,^!,$*@÷(^

;flas l;4fy{ kmfOgfG; ln=, &,@!,^^$÷%%

;flas dflnsf ljsf; a}+s ln=, #*,,*#%÷))

hDdf ?=(*,!&,*%!÷)(

?= xhf/df

33



kF'hL tyf bfloTj cg';"rL o; jif{ -?=_ ut jif{ -?=_!= z]o/ k'FhL 4=1 2,633,797,444 1,386,233,344 @= hu]8f tyf sf]ifx¿ 4=2 854,562,320 24,885,476 #= C0fkq tyf a08 4=3 – –$= ltg{ aFfsL shf{ ;fk6 4=4 – –%= lgIf]k bfloTj 4=5 25,136,612,870 10,861,523,871 ^= e'QmfgL lbg' kg]{ lanx¿ 4=6 6,586,277 6,048,560 &= k|:tfljt nfef+z 237,041,770 –*= cfos/ bfloTj – –(= cGo bfloTj 4=7 372,866,094 117,670,144

s'n k'FhL tyf bfloTj 29,241,466,775 12,396,361,395

;DklQ cg';"rL o; jif{ -?=_ ut jif{ -?=_!= gub df}Hbft 4=8 527,278,684 214,764,762 @= g]kfn /fi6« a}+sdf /x]sf] df}Hbft 4=9 1,577,683,878 1,200,006,037 #= a}+s÷ljQLo ;+:yfdf /x]sf] df}Hbft 4=10 151,182,663 26,964,999 $= dfu tyf cNk ;"rgfdf k|fKt x'g] /sd 4=11 5,077,842,240 1,785,983,000 %= nufgL 4=12 1,168,157,289 372,799,385 ^= shf{ ;fk6 tyf ljn vl/b 4=13 19,962,483,966 8,367,521,682 &= l:y/ ;DklQ 4=14 300,116,515 114,260,794 *= u}/ a}lsË ;DklQ 4=15 – –(= cGo ;DklQ 4=16 476,721,540 314,060,736

s'n ;DklQ 29,241,466,775 12,396,361,395

;Defljt bfloTj cg';"rL $=!&

;+rfnsx¿sf] 3f]if0ff cg';"rL $=@(

k'FhLsf]if tflnsf cg';"rL $=#)

Hff]lvd efl/t ;DklQ ljj/0f tflnsf cg';"rL $=#)-s_

k|d'v ;"rf+sx¿ cg';"rL $=#!

k|d'v n]vf gLltx¿ cg';"rL $=#@

n]vf;DaGwL l6Kk0fLx¿ cg';"rL $=##$=! b]lv $=!& ;Ddsf cg';"rLx¿ jf;nftsf cleGg c+u x'g\ .

xfd|f] cfhsf] ldltsf] ;+nUg k|ltj]bg adf]lhd========================/fh]z pkfWofo

cWoIf

========================s[i)f/fh nfld%fg]

k|d"v sfo{sf/L clws[t

========================/fh]z s'df/ /f}lgof/

;+rfns

========================;+ho lu/L;+rfns

===============================;fu/ zdf{

a= gfoa k|d'"v sfo{sf/L clws[t

===============================lj/]Gb| s'df/ ;+#fO{

;+rfns

========================c?)f /fh ;'dfuL{

;+rfns

===============================hf]gz zdf{ -lrn'jfn_

k|d'v -n]vf tyf ljQ ljefu_

===============================?k]Gb| kf}*]n;+rfns

=================================

;'bz{g /fh kf08], Pkm=l;=P=

al/i7 ;fem]bf/

P;= cf/= kf08] P08 sDkgL

rf6{8 Psfp06]G6\;\

ldlt M @)&$÷)(÷@*

:yfg M sf7df8f+}

dxfnIdL ljsf; a}+s lnld6]8

@)&$ ;fn cfiff9 d;fGtsf]

jf;nft

-;flassf] otL 8]enkd]06 a}+s ln= tyf dxfnIdL ljsf; a}+s ln= ufleP/ ag]sf] ;+:yf_

36



$=!* b]lv $=@* ;Ddsf cg';"rLx? Gffkmf gf]S;fg lx;fasf cleGg c+u x'g\ . xfd|f] cfhsf] ldltsf] ;+nUg k|ltj]bg adf]lhd


gfkmf gf]S;fg lx;faldlt @) >fj0f ! ut] b]lv @)&$ ;fn cfiff9 d;fGt;Dd


ljj/0f cg';"rL o; jif{ -?=_ ut jif{ -?=_!= Aofh cfDbfgL 4=18 1,647,662,650 927,960,755 @= Aofh vr{ 4=19 867,771,651 528,623,910 v'b Aofh cfDbfgL 779,890,999 399,336,845 #= sldzg tyf l8:sfp06 4=20 5,686,487 4,765,418 $= cGo ;~rfng cfDbfgL 4=21 101,175,505 83,335,675 %=;6xL 36a9 cfDbfgL 4=22 109,219 997,546 s'n ;~rfng cfDbfgL 886,862,210 488,435,484 ^= sd{rf/L vr{ 4=23 111,101,621 88,973,608 &= cGo ;~rfng vr{ 4=24 141,432,573 111,741,196 *= ;6xL 36a9 gf]S;fg 4=22 – –;Defljt gf]S;fgL Joj:yf cl3sf] ;~rfng d'gfkmf 634,328,016 287,720,680 (= ;Defljt gf]S;fgL Joj:yfx¿ 4=25 505,581,480 240,357,854 ;~rfng d'gfkmf 128,746,536 47,362,827 !)= u}/ ;~rfng cfDbfgL ÷vr{ 4=26 45,075,830 21,077,340 !!= ;Defljt gf]S;fgL Joj:yfaf6 lkmtf{ 4=27 596,101,211 443,155,068 lgoldt sf/f]af/af6 ePsf] d'gfkmf 769,923,577 511,595,235 !@= c;fdfGo sf/f]af/x¿af6 ePsf] cfDbfgL ÷vr{ 4=28 -40,240,190_ -25,416,291_;Dk"0f{ sf/]faf/ ;dfj]z kl5sf] v'b d'gfkmf 729,683,387 486,178,944 !#= sd{rf/L af]g; Joj:yf 66,334,853 44,198,086 !$= cfos/ Joj:yf 219,102,440 108,174,905 * o; aif{sf] s/ Joj:yf 105,207,755 45,393,043 * ut aif{;Ddsf] s/ Joj:yf 1,297,923 – * :yug s/ -cfDbfgL_÷vr{ 112,596,762 62,781,862

v'b gfkmf÷gf]S;fg 444,246,094 333,805,953

========================/fh]z pkfWofo

cWoIf

========================s[i)f/fh nfld%fg]


========================/fh]z s'df/ /f}lgof/

;+rfns

========================;+ho lu/L;+rfns

===============================;fu/ zdf{


===============================lj/]Gb| s'df/ ;+#fO{

;+rfns

========================c?)f /fh ;'dfuL{

;+rfns

===============================hf]gz zdf{ -lrn'jfn_


===============================?k]Gb| kf}*]n;+rfns

=================================


al/i7 ;fem]bf/


rf6{8 Psfp06]G6\;\

ldlt M @)&$÷)(÷@*

:yfg M sf7df8f+}

37



xfd|f] cfhsf] ldltsf] ;+nUg k|ltj]bg adf]lhd


gfkmf gf]S;fg af8kmfF8 lx;faldlt @) >fj0f ! ut] b]lv @)&$ ;fn cfiff9 d;fGt;Dd


ljj/0f cg';"rL o; jif{ -?=_ ut jif{ -?=_cfDbfgL! ut jif{;Ddsf] ;+lrt d"gfkmf – –@ o; jif{sf] d"gfkmf 444,246,094 333,805,953 # ;6xL 36a9 sf]if – –$ nufgL ;dfof]hg sf]if – –% ;flas dxfnIdL lasf; a}+saf6 :yfgfGt/0f eO{ cfPsf]

188,493,444 –

hDdf 632,739,538 333,805,953 vr{! ut jif{;Ddsf] ;+lrt gf]S;fg 395,380,987 722,961,369 @ o; jif{sf] gf]S;fg – –# ;fwf/0f hu]8f sf]if 88,849,219 66,761,191 $ e}k/L cfpg] hu]8f – –% ;+:yf ljsf; sf]if – –^ nfef+z ;dLs/0f sf]if – –& sd{rf/L ;DaGwL hu]8fx? – –* k|:tfljt nfef+z 237,041,770 –( k|:tfljt af]g; z]o/ – –!) ljz]if hu]8f sf]if – –!! ;6xL 36a9 sf]if 27,305 79,365 !@ nufgL ;dfof]hg sf]if 1,189,641 2,166,877 !# k'FhL lkmtf{ hu]8f sf]if – –!$ k'FhL ;dfof]hg sf]if – –!% :yug s/ hu]8f sf]if -112,596,762_ -62,781,862_!^ sd{rf/L bIftf clej[l4 sf]if 959,375 –!& ;fdflhs pQ/bfloTj afktsf] hu]8f 4,442,461 –

hDdf 615,293,996 729,186,940 ;+lrt d'gfkmf÷-gf]S;fg_ 17,445,542 -395,380,987_

========================/fh]z pkfWofo

cWoIf

========================s[i)f/fh nfld%fg]


========================/fh]z s'df/ /f}lgof/

;+rfns

========================;+ho lu/L;+rfns

===============================;fu/ zdf{


===============================lj/]Gb| s'df/ ;+#fO{

;+rfns

========================c?)f /fh ;'dfuL{

;+rfns

===============================hf]gz zdf{ -lrn'jfn_


===============================?k]Gb| kf}*]n;+rfns

=================================


al/i7 ;fem]bf/


rf6{8 Psfp06]G6\;\

ldlt M @)&$÷)(÷@*

:yfg M sf7df8f+}

38



ljj/

0f;]o

/ k"+h

L;l

~rt

gfkmf

-gf]S;f

g_;f

wf/0

f hu]8

f sf]if

k+"hLut

hu]8

f sf]if

;]o/

lk|ld

od

;6xL 3

6a9

sf]if

:yug

s/

hu]8

f

nufgL

;dfof]h

g ty

f k"g

/d'No

f+sg

sf]if

cGo

hu]8

f ty

f

sf]if

s'n /

sd

-?=_

z'¿ d

f}Hbft

1,386

,233

,344

-39

5,38

0,98

6_ 2

45,571

,001

–

–

175

,966

141

,655

,624

3

2,87

3,92

2 1,4

11,128

,871

;fla

s d

xfnId

L lasf;

a}+saf

6 :y

fgfGt

/0f eO

cfPsf]

1,247

,564

,100

188

,493

,444

3

42,8

76,098

3

5,83

æ;an a}+s, ;kmn ;xsfo{Æ - mahalaxmibank.com · æ;an a}+s, ;kmn ;xsfo{Æ Vision Our Vision is to...

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