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5 YEARS FINANCIAL HIGHLIGHTS CAMELS ANALYSIS

Capital Adequacy 2068/069 2069/070 2070/071 2071/072 2072/073

Core Capital (Rs.'000) 148,678.03 208,432.12 343,261.97 432,683.38 569,850.40

Supplementary Capital (Rs.'000) 6,415.83 9,321.78 16,763.03 19,470.46 25,457.00

Capital Fund (Rs.'000) 155,093.85 217,753.90 360,024.99 452,153.84 595,307.40

Risk Weighted Assets(Rs.'000) 686,539.76 978,197.15 1,687,352.47 1,920,122.97 2,538,822.47

Capital Adequacy Ra o 22.59% 22.26% 21.34% 23.55% 23.45%

Core Capital to RWA 21.66% 21.31% 20.34% 22.53% 22.45%

Assets Quality 2068/069 2069/070 2070/071 2071/072 2072/073

Total Loan & Advances (Rs.'000) 653,879.29 888,023.49 1,360,020.11 1,574,928.69 2,110,318.25

Non Performing Loan (Rs.'000) 12,296.55 18,016.47 56,842.08 59,880.83 52,737.35

Loan Loss Provision (Rs.'000) 18,712.37 25,566.54 57,360.66 67,185.21 69,329.21

NPL to Total Loan & Advances 1.88% 2.03% 4.18% 3.80% 2.50%

LLP to Total Loan & Advances 2.86% 2.88% 4.22% 4.27% 3.29%

LLP to Total NPL 152.18% 141.91% 100.91% 112.20% 131.46%

Management Soundness 2068/069 2069/070 2070/071 2071/072 2072/073

Total Assets (Rs.'000) 1,025,513.23 1,253,566.03 2,111,773.29 2,211,992.96 3,067,294.07

Net Profi t (Rs.'000) 7,826.41 12,577.21 39,584.22 45,513.66 86,526.24

Total Income (Rs.'000) 137,208.61 145,665.36 225,066.29 234,341.12 271,126.65

Total Expenses (Rs.000) 122,342.20 116,972.59 150,052.60 174,405.48 192,695.75

Number of Employee 24 25 40 52 53

Number of Shares Outstanding (Rs.'000) 1,400 2,000 3,200 3,943 5,126

Earnings Per Employee (Rs.'000) 326.10 503.09 989.61 875.26 1,632.57

Earnings Per Share (Rs.) 5.59 6.29 12.37 11.54 19.41

Growth Rate in Assets 1.79% 22.24% 68.46% 4.75% 38.67%

Growth Rate in Deposits 11.47% 19.43% 65.31% 4.15% 39.64%

Growth Rate in Loan & Advances -7.66% 35.81% 53.15% 15.80% 33.99%

Growth Rate in Net Profi t -18.30% 60.70% 214.73% 14.98% 90.11%

Earnings 2068/069 2069/070 2070/071 2071/072 2072/073

Net Interest Income (Rs.'000) 26,704.88 38,740.22 47,483.71 88,883.24 101,880.81

Opera ng Expenses (Rs.'000) 21,142.96 22,227.87 30,503.51 43,732.01 50,345.51

Non Interest Income (Rs.'000) 8,872.73 11,825.99 16,885.53 14,784.40 26,895.61

Earning Assets (Rs.'000) 967,553.28 1,190,044.59 2,043,621.27 2,064,383.29 2,920,789.91

Shareholders' Equity (Rs.'000) 148,678.03 209,680.22 345,279.57 434,883.46 572,687.92

Return on Equity 5.26% 6.00% 11.46% 10.47% 15.11%

Return on Assets 0.76% 1.00% 1.87% 2.06% 2.82%

Cost-Income Ra o 59.43% 43.96% 47.39% 42.18% 39.10%

Net Interest Margin 2.76% 3.26% 2.32% 4.31% 3.49%

Liquidity 2068/069 2069/070 2070/071 2071/072 2072/073

Total Deposits (Rs.'000) 844,676.39 1,008,799.48 1,667,608.04 1,736,821.30 2,425,363.94

Cash in Vault (Rs.'000) 9,085.97 13,857.89 17,063.50 17,118.05 22,572.33

Cash at N R B (Rs.'000) 51,801.77 47,448.45 64,410.74 151,553.08 151,496.47

Cash at other Band & Fin. Inst. (Rs.'000) 309,673.99 264,570.88 578,862.19 381,544.42 745,956.80

Deposits to Assets Ra o 82.37% 80.47% 78.97% 78.52% 79.07%

C D Ra o (As per NRB Direc ves) 65.83% 72.95% 67.63% 72.59% 70.46%

Cash & Equivalent to Deposit Ra o 43.87% 32.30% 39.60% 31.68% 37.93%

Total Deposits to Core Capital ( mes) 5.68 4.84 4.86 4.01 4.26

Sensi vity 2068/069 2069/070 2070/071 2071/072 2072/073

Yield Rate 16.78% 15.02% 14.75% 12.75% 12.05%

Cost of Funds 12.23% 10.24% 8.63% 7.37% 6.33%

Net Spread 4.55% 4.78% 6.12% 5.38% 5.72%



DETAIL CREDIT RISK ANALYSIS

Amount of Non Performing LoanCategory Gross Provision Net

Substandard 10,043,247.49 2,510,811.87 7,532,435.62 Doubtful - - - Loss 42,694,106.31 42,694,106.31 - Total 52,737,353.80 45,204,918.18 7,532,435.62

Non Performing Loan RatioGross Loan 2,110,318,251.53

Net Loan 2,040,989,041.71 Gross NPL to Gross Loan & Advances 2.50%

Net NPL to Net Loan & Advances 0.37%

Movement of Non Performing LoanParticulars Opening Balance Closing Balance Movement

Non Performing Loan 59,880,833.37 52,737,353.80 (7,143,479.57)Restructured - - - Substandard 13,288,000.00 10,043,247.49 (3,244,752.51)Doubtful - - - Loss 46,592,833.37 42,694,106.31 (3,898,727.06)

Write off of Loans & Interest SuspenseParticulars Loan Amount Interest Suspense Provision Write back

Total Loan Write Off - - -

Movement of Loan Loss Provision & Interest SuspenseParticulars Opening Balance Closing Balance Movement

Pass 14,330,582.00 20,172,981.42 5,842,399.42 Watch List 1,639,801.92 1,611,310.21 (28,491.70)Restructured - - - Substandard - 2,510,811.87 2,510,811.87 Doubtful 3,322,000.00 - (3,322,000.00)Loss 46,592,833.37 42,694,106.31 (3,898,727.06)PG & Third Party Collateral 1,300,000.00 2,340,000.00 1,040,000.00 Total Loan Loss Provision 67,185,217.29 69,329,209.82 2,143,992.53

Interest SuspenseParticulars Opening Balance Closing Balance Movement

Interest Suspense 21,230,442.00 25,929,773.00 4,699,331.00

Movements of Loan & Loan Loss ProvisionParticulars Opening Balance Closing Balance Movement

Total Loan & Advances 1,574,928,689.54 2,110,318,251.53 535,389,561.99 Total Loan Loss Provision 67,185,216.99 69,329,209.82 2,143,992.83



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g]kfn /fi6« j}+ssf] lgb]{zg $(

k|aGwkq ;+zf]wg k|:tfj %!

lgodfjnL ;+zf]wg k|:tfj %@

ljQLo emnsx? lrqdf %#

g]kfnsf] dfglrqdf ;+:yfsf] ;+rfngdf /x]sf / k|:tfljt zfvfx? %%

l6kf]6 %^

ljifo ;"rL

1 ;FTFF}+ jflif{s k|ltj]bg @)&@÷&#


cfb/0fLo z]o/wgL dxfg'efjx?,l/nfoG; kmfOgfG; lnld6]8sf] ;ftf}+ jflif{s ;fwf/0f ;efdf pkl:yt x'g'ePsf ;Dk"0f{ z]o/wgL dxfg'efax?, cfdlGqt

lgodg lgsfosf ko{a]Ifs k|ltlglw dxfg'efax?, n]vfk/LIfs, kqsf/ tyf ;+:yfsf kbflwsf/Lx?nfO{ ;+rfns ;ldltsf

tkm{af6 d xflb{s :jfut clejfbg ub{5' .

;ldltsf tkm{af6 k|:t't cfly{s aif{ @)&@.)&# sf] ;+:yfsf] n]vfkl/Ifssf] k|ltj]bg ;lxtsf] jf;nft, gfkmf gf]S;fg lx;fj

/ gub k|jfx ljj/0f ;lxtsf] of] jflif{s k|lta]bg oxf+x? ;dIf k]z ug{ kfp+bf xfdLnfO{ v'zL nfu]sf] 5 .

!_ ut cfly{s aif{ @)&@÷&# sf] sf/f]af/sf] l;+xfjnf]sg M k|:t't cf=a=df cy{ Joj:yfdf kf/]sf] gsf/fTds k|efa, c3f]lift gfsfaGbL, /fhg}lts cl:y/tf, ljB't cfk"lt{sf]

c;xh kl/l:ylt, Jofhb/df b]vf k/]sf] k|lt:kwf{, pBf]u Aofkf/ ;+rfngdf k/]sf] k|efa cflb h:tf sf/0fn] ubf{ ;du|

ljQ sDkgLsf] shf{ k|jfx 36\g uO{ sf/f]af/ / k|ltkmn cfh{gdf ;d]t c;/ k/]tfklg ;dLIff cjlwdf o; ;+:yfsf]

lgIf]k #(=^$ k|ltztn] a[l4 eO{ ?= @ ca{ $@ s/f]8 eGbf al9 /xg uof] eg] shf{ nufgL tkm{ ##=(( k|ltztn] a[l4

eO{ s/La @ ca{ !! s/f]8 k'¥ofpg ;kmn ePsf 5f+} . h;sf] kmn:j?k cf= a= @)&@÷&# df xfdLn] ?= * s/f]8

^% nfv @^ xhf/ v'b d'gfkmf cfh{g u/]sf 5f+} . o;/L ;+:yfsf] sf/f]jf/sf] bfo/fnfO{ km/flsnf] kfg]{ / k|ltkmn j[l4

ug]{ qmddf xfdLn] lgIf]k / shf{sf] cg'kftdf ;d]t cfzfltt km/s sfod u/]sf 5f}+ .

o; ljQLo ;+:yfsf] laut tyf at{dfg cf=a=sf] sf/f]af/ tyf ljQLo l:ylt lgDg tflnsfn] :ki6 ub{5 M

-¿= xhf/df_

lzif{s cfiff9 d;fGt @)&# cfiff9 d;fGt @)&@ km/s -k|ltztdf_

z]o/ k"FhL %,!@,%&!=$&* #,($,@*%=&@ #)=))Ü

hu]8f tyf sf]ifx? ^),!!^=$% $),%(&=&$ $*=)* Ü

lgIf]k @$,@%,#^#=($ !&,#^,*@!=#) #(=^$ Ü

shf{ tyf ;fk6L @!,!),#!*=@% !%,&$,(@*=^( ##=((Ü

Aofh cfDbfgL @,$$,@#!=)$ @,!(,%%^=&@ !!=@$Ü

Aofh vr{ !,$@,#%)=@# !,#),^&#=$& *=($ Ü

v'b Aofh cfDbfgL !,)!,**)=*! **,**#=@$ !$=^@ Ü

v'b d'gfkmf s/ tyf jf]g; kl5 *^,%@^=@$ $%,%!#=^^ ()=!!Ü

* !% k|ltzt k|:tfljt af]g; z]o/ ;lxt

cfufdL lbgdf sf/f]af/sf] bfo/f cem km/flsnf] ub}{ ;+:yfnfO{ k|ltkmnbfos ca:yfdf k'/ofpg xfdL ;+rfns ;ldlt

/ Aoa:yfkg lqmofzLn /xg] 5f}+ .

@_ /fli6«o tyf cGt/fli6«o l:yltaf6 ljQLo ;+:yfsf] sf/f]af/nfO{ k/]sf] c;/M cGt/f{li6«o ahf/df b]lvPsf ljleGg ;d:ofx?sf] ;fy} ;dLIff cjlwdf, b]zdf ;+ljwfg ag]tf klg To;sf] nuQ}

ePsf] gfsfaGbL OGwg cefj, t/fO{ aGb h:tf sf/0fn] ;du| cfly{s sf/f]af/df k|ToIf k|efj kg{ uPsf] 5 . b]zdf

l/nfoG; kmfOgfG; ln=;ftf}+ jflif{s ;fwf/0f ;efdf ;+rfns ;ldltsf] tkm{af6 ;+:yfsf cWoIf >L wd{]Gb| sfhL >]i7n]

k|:t't ug'{ePsf] cf= a= @)&@÷&# sf] jfli{fs k|ltj]bg

;FTFF}+ jflif{s k|ltj]bg @)&@÷&# 2


cfly{s a[l4b/ Go"g eO{ ;du| cfly{s cj:yfdf cfzftLt ;'wf/ x'g g;s]sf]n] To;sf] k|ToIf k|efjaf6 ljQLo ahf/

klg c5'tf] /xg g;s]sf] hfgsf/L u/fp+b5f} .

a}+s tyf ljQLo ;+:yfx?sf] :yfkgfsf] qmd /f]lsPtfklg k"“hL a[l4 ug]{ k|of]hgsf] nflu ;+:yfx?sf] cfk;L dh{/sf

sf/0f pTkGg x'g ;Sg] k|lt:kwf{Tds cj:yf nufot nufgL of]Uo Joj;flos jftfj/0fsf] l;ldttf sfod} /x]sf]

sf/0faf6 klg ljQLo ;+:yfsf] sf/f]af/nfO{ c;/ k/]sf] b]lvG5 . o:tf] kl/l:yltsf afah'b o; ;+:yfn] cfjZos

;hutf ckgfpg'sf ;fy} ;f] k|lt ;r]t eO{ k|lt:kwf{Tds ljQLo ahf/df cfkmgf] :yfg ;'/lIft ug]{ tkm{ s[oflzn

/x]sf] hfgsf/L u/fp+b5f+} .

#_ k|lta]bg tof/ ePsf] ldlt ;Dd rfn" aif{sf] pknAwL / eljiosf ;DaGwdf ;+rfns ;ldltsf] wf/0ff M xfn ;+:yfsf] clws[t k"“hL ? *) s/f]8, hf/L k"“hL ? &! s/f]8 #! nfv $@ xhf/ ( ;o / r'Qmf k+"hL ? $$ s/f]8

%& nfv !$ xhf/ # ;o @) sfod /x]sf] o; ;+:yfsf] k|wfg sfof{no k|bz{gLdfu{ sf7df08f}df cal:yt 5 .

sf7df8f}+ pkTosf tyf pkTosf aflx/ zfvf la:tf/ ul/ sf/f]af/sf] bfo/f km/flsnf] ug]{ qmddf xfn;Dddf pkTosf

aflx/ kf]v/f -sf:sL_, a];L zx/-ndh'Ë_ tyf gf/fo0fu9 -lrtjg_ l:yt # / gof+ ;8s -sf7df08f}+_ ;d]t ul/ xfn zfvf ;+Vof $ sfod /x]sf]df cf=a=@)&#÷)&$ df ;f] ;+Vof * k'¥ofpg] nIo /x]sf] 5 .

o; ;+:yfn] g]kfn /fi6« a}ssf] lgb]{zg adf]lhd cf= a= @)&#÷&$ leq ;+:yfsf] r'Qmf k"“hL al4 ul/ ?= *) s/f]8 k'/ofpg] of]hgf tof/ ul/ g]kfn /fi6« a}sdf k7fO;s]sf] 5 ;f] of]hgf adf]lhd xfn ;Dd ;+:yfsf] r'Qmf k"“hL ?=$$,%&,!$,#@) k'u]sf] hfgsf/L u/fp+b5' . ;fy} o; cf= a=@)&@÷&# sf] d'gfkmfaf6 z]o/wgLx?nfO{ !% k|ltzt af]g; z]o/ k|bfg ug{ k|:tfa u/]sf] g]kfn /fi6« a+}saf6 :jLs[lt k|fKt eO;s]sf]n] cfufdL ;fwf/0f ;efn] kfl/t u/] kZrft cf=a= @)&#÷&$ leq ;+:yfsf] r'Qmf k+"hL a[l4 eO{ ?= %!,@%,&!,$^* k'Ug]5 .

cfp+bf lbgx?df ;+:yfn] cem a9L pknAwL xfl;n ug]{5 eGg] xfd|f] ljZjf; 5 . cfp+bf lbgx?df b]zsf u|fld0f e]usf hgtfx? ;Dd ljQLo kx'+r k'¥ofpg] xfd|f] nIo /x]sf] 5 ;f] NfIo k"/f ub}{ ;+:yfn] ljQLo ahf/df Pp6f ;an / ;Ifd ljQLo ;+:yfsf] ?kdf cfkm\gf] klxrfg agfpgsf nflu oxf+x?sf] ;b\efa tyf ;xof]usf] ck]Iff ub{5f+} .

ljQLo ;+:yfsf] efaL sfo{qmdx?M s_ r'Qmf k"FhL a[l4sf nflu af]gz z]o/ tyf xsk|b z]o/ hf/L ug]{ .

v_ shf{ tyf lgIf]ksf gof+ of]hgfx? th'{df ul/ sfof{Gjogdf Nofpg], ;+:yfn] cfufdL lbgx?df lgIf]k tyf shf{sf

cfsif{s gof+ of]hgfx? th'{df ul/ ljQLo sf/f]af/sf] cfsf/ tyf u|fxsx? ;d]t a[l4 ub}{ nUg]5 .

u_ ;+:yfn] k|jfx ug]{ ;]jfsf] u'0f:t/df qmdzM ;'wf/ ub}{ n}hfg] .

3_ Pl6Pd ;]jf la:tf/ ug]{ M ;+:yfn] cfkmgf u|fxsx?nfO{ ;/n / ;'ne ljQLo ;]jf k|bfg ug{] qmddf P6LPd ;]jf

lj:tf/ ub}{ nfg] .

ª_ u}/ k"FhLut s[ofsnfkaf6 cfo a[l4 ug]{ M ;+:yfn] kF"hLut s[ofsnfksf ;fy} u}/ k"+lhut s[ofsnfkaf6 cfkmgf]

ljQLo sf/f]af/ a[l4 ub}{ cfo a[l4sf nflu cfaZos sfo{x? ul/g] 5 .

r_ ljleGg a}+s tyf ljQLo ;+:yf;+u ldn]/ ;xljQLos/0f shf{ k|bfg ug]{M ;+:yfn] cfufdL lbgx?df 7'nf kl/of]hgfx?df

nufgL ug]{ nIo /x]sf] 5 h;sf nflu cGo a}+s tyf ljQLo ;+:yf;+usf] ;xsfo{df ;xljQLos/0f shf{ k|jfx

ug]{ gLlt lnOg] 5 .

5_ ;+:yfut ;'zf;g ;'b[9 ub}{ n}hfg] .

h_ ;+:yfut ;fdflhs pQ/bfloTj lgjf{x ug]{ M ;+:yfn] ;+:yfut pQ/bfloTj axg ub}{ ljleGg ;fdflhs lqmofsnfk

;+rfng ub}{ cfO/x]sf] 5 . cfufdL lbgdf ;d]t ;f] sfo{x?nfO{ lg/Gt/tf lbOg]5 . xfn;Dd ;+:yfn] jflif{s ?kdf



/Qmbfg sfo{qmd ;+:yfsf] d'Vo sfof{no k|fË0fdf ;+rfng ub}+, cfPsf] / ljleGg ;fdflhs ;+:yfsf] ;dGjodf

jfnaflns tyf h]i7 gful/snfO{ cfjZos vfBfGg, nQf sk8f cfbL ;xof]u :j?k k|bfg ub}{ cfO/x]sf] 5 .

cfpFbf lbgx?df klg o:tf lqmofsnfkx?nfO{ lg/Gt/tf lbg'sf ;fy} yk sfo{qmdx? zfvf sfof{nox?af6 ;d]t

;+rfng ul/g]5 .

em_ sfof{no ejgsf] nflu hUuf tyf ejg vl/b ug]{ M ;+:yfn] sfof{no eagsf] nflu hUuf tyf eag vl/b ug]{

of]hgf /x]sf] / To;sf nflu pk–;ldlt ;d]t u7g e};s]sf] 5 .

5_ ljk|]if0f sf/f]af/ a[l4 ug]{M /]ld6fG; ;]jfn] g]kfnsf] cfly{s cj:yfdf k'¥ofPsf] of]ubfgnfO{ dWo gh/ ub}{ o;

;+:yfn] ljljw /]ld6fG; sDkgLx?;+u ;Defmf}tf ul/ /]ld6fG; ;]jf k|bfg ub}{ cfPsf] 5 . cfufdL lbgx?df cGo

/]ld6fG; sDkgLx?;+u ;Demf}tf ul/ /]dL6fG; ;]jf tyf cfDbfgLdf yk a[l4 ul/g] 5 .

$_ cf}Bf]lus tyf Aofa;flos ;DaGwM ljQLo ;+:yfn] ;DalGwt lgodg lgsfox?, ;+:yfsf u|fxsx?, cf}Bf]lus k|lti7fgx? tyf ljleGg ;+3 ;+:yfx?;+u

sf/f]jf/ clea[l4 ug]{ qmddf ;f}xfb{k"0f{ ;DaGw /fVb} cfPsf] tyf cfufdL lbgx?df cem ;'b[9 agfpg] tkm{ xfd|f] k|of; /xg] 5 . of] ;+:yf ljleGg ;+:yfsf] ;b:o /xg'sf ;fy} cfufdL lbgdf cGo ;+:yfx?;+u ;DaGw clea[l4 ug{ ;b}a k|oTglzn /xg] 5 .

%_ ;+rfns ;ldltdf ePsf] x]/km]/ / ;f] sf sf/0f M cf= a= @)&@÷&# df ;+rfns ;ldltdf s'g} klg x]/km]/ gePsf] hfgsf/L u/fp+b5' . xfn cf=a= @)&#÷&$ df

ljz]if1 ;+rfnsdf >L a;Gt axfb'/ zfSonfO{ lgo'QmL ul/Psf] hfgsf/L u/fp+b5f} .

^_ cGo ;ldltx? M g]kfn /fi6« a}+ssf] lgb]{zg / a}+s tyf ljQLo ;+:yf ;DalGw P]g @)^# sf] bkmf !% df ePsf] Joj:yf adf]lhd ;+rfns

;ldltn] n]vfk/LIf0f ;ldlt, hf]lvd Aoa:yfkg ;ldlt tyf sd{rf/L Aoa:yfkg tyf ;]jf ;'ljwf ;ldlt u7g u/]sf] 5 . ;f] ;ldltx?sf] a}7s ;do ;dodf a:g'sf ;fy} ;f] ;ldltn] cfˆgf] k|lta]bg ;+rfns ;ldltsf] a}7sdf k]z

ug]{ u/]sf] hfgsf/L u/fp“b5f}+ .

&_ sf/f]af/nfO{ c;/ kg]{ d'Vo s'/fx? M ljZj ahf/df g]kfnL ahf/n] k|lt:kwf{ ug{ g;Sg' , /fhg}lts cl:y/tf, OGwg cfk"lt{df ptf/ r9fj, a}s tyf ljQLo

;+:yf aLrsf] k|lt:kwf{Tds ca:yf, g]kfn ;/sf/ tyf g]kfn /fi6« a}sn] ljQLo gLlt kl/jt{g ugf{n] kg{ ;Sg] c;/x?, lgIf]k tyf nufgLsf] Aofhb/ kl/jt{gsf sf/0fn] kg{ ;Sg] c;/, lglZrt ;dodf shf{ c;"nL gePsf sf/0fn] kg{ hfg] c;/x?, cfly{s ca:yfdf cfpg] kl/at{g, k+"hL ahf/df b]lvPsf] ptf/ r9fjsf ;fy} t/ntfsf] 36a9, ljQ sDkgL k|lt hgdfg;df k"0f{ ?kdf ljZjf; sfod x'g g;s]s]f cj:yf, To:t} cf}Bf]lus >d ;d:of h:tf ;jfnx? ljBdfg g} /x]sf sf/0fn] ;d]t ;+:yfsf] sf/f]af/nfO{ c;/ kf/]sf] b]lvG5 . oL ;a} kl/l:yltx?sf] afah'b ljleGg /0fgLlt tyf of]hgfx?nfO{ nfu" ub}{ ;+:yfsf] sf/]faf/nfO{ r':t agfpg] tkm{ ;+rfns ;ldlt ;hu /xL rfn" cf=j=df

o; ;+:yfn] cem a9L d'gfkmf cfh{g ug]{ nIo lnPsf] 5 .

*_ nfef+z afF8kmfF8 ug{ l;kmfl/z ul/Psf] /sdM ;dLIff aif{df !% k|ltzt af]gz z]o/ ?= ^,^*,%&,!$*÷– tyf ;f] sf] nfef+z s/ ;dfof]hg k|of]hgfy{ )=&( gub

nfef+z ;d]t ljt/0f ug{ k|:tfj u/]sf]df g]kfn /fi6« a+}saf6 ;d]t ;f] sf] :jLs[lt k|fKt ePsf] tyf o;/L ;f] af]gz

z]o/ ljt/0f kZrft\ ;+:yfsf] r'Qmf k"“hL a[l4 eO{ ?=%! s/f]8 @% nfv &! xhf/ $ ;o ^* k'Ug]] Aoxf]/f hfgsf/L

u/fp“b5f} .

(_ n]vfkl/Ifs lgo'lQm l;kmfl/; ;DaGwdf M rfn" cf=a=@)&#÷&$ sf] nfuL rf68{ Psfp06]06 >L ;'Gb/dfg >]i7-Pkm=l;=P=_ nfO{ Eof6 afx]s ?= #,)),)))÷–



-cIf/]kL ?= tLg nfv dfq_ kfl/>lds lbO{ n]vfkl/Ifs lgo'lQm ug{ n]vfkl/If0f ;ldltsf] l;kmfl/; adf]lhd jt{dfg n]vfk/LIfs rf6{8{ PsfpG6]G6 >L ;'Gb/ dfg >]i7nfO{ k'gM lgo'lQmsf nflu l;kmfl/z ul/Psf] 5 ;f] ox+fx?n] cg'df]bg

ug{' x'g] g} 5 .

!)_ dfgj ;+zfwg Joj:yfkg M @)&# ;fn cfiff9 d;fGt ;Dddf o; ;+:yfdf s'n %% hgf sd{rf/Lx? sfo{/t /x]sf] hfgsf/L u/fp+b} o; ;+:yfsf]

sfo{ k|0ffnLnfO{ l56f] 5l/tf] r':t b'?:t / cem k|efjsf/L agfpg, bIf / cg'ejL hgzlQm tof/ ug]{ l;nl;nfdf ;+:yfdf cfa4 hgzlQmx?nfO{ ljleGg k|lzIf0fx? k|bfg ug]{ tyf tflnddf ;xeflu u/fpg ul/Psf] / cfufdL lbgx?df klg o:tf] tflnd tyf k|lzIf0fsf sfo{nfO{ lg/Gt/tf lbO{ ;dofg';f/ ;+:yfnfO{ cfaZos hgzlQmsf] ljsf; ub}{

nlug]5 .

!!_ dh{/ ;DalGw sfo{sf ;DaGwdf M ;+:yfn] k'gM z]o/ lg:sfzg ul/ tyf af]gz z]o/ ;d]t k|bfg ul/ k"“hL a[l4 u/]tfklg ;f] dfq kof{Kt gePsf] ;fy}

g]kfn /fi6« a}saf6 lbOPsf] lgb]{zg adf]lhd cf= a= @)&#÷&$ leq æuÆ ju{sf] ljQLo ;+:yfsf] r'Qmf k+"hL ?= *) s/f]8 k'¥ofpg'kg]{ lgb]{zg ePsf]n] ;f] adf]lhd x'g] ul/ o; ;+:yfn] ;fj{hlgs u/]sf] k"“hL of]hgf ;d]tsf cfwf/df ;fy} o; ;+:yfsf] ;ftf+} ;fwf/0f ;efaf6 o; ;+:yf tyf s'g} pko'Qm a+}s, ljsf; a+}s tyf ljQLo ;+:yf;“u Ps

cfk;df ufEg] ufleg] tyf PSjLlh;g -ljno_ ug]{ u/fpg] k|lqmofnfO{ v'nf /fvL ;+:yfsf] :t/f]Gglt ul/ ;+:yfnfO{

cuf8L a9fpg] k|:tfa kfl/t ul/;lsPsf]] oxf+x? ;a}df caut g} 5 .

!@_ clws[t, hf/L / r'Qmf k"FhL a[l4 ug]{]{ nufotsf ljifodf k|aGwkq tyf lgodfanL ;+;f]wg ;DaGwdf M g]kfn /fi6« a+}saf6 lbOPsf] lgb]{zg adf]lhd cf= a= @)&#÷&$ ;Dddf …uÚ au{sf] ljQLo ;+:yfsf] r'Qmf k+"hL sDtLdf

?= *) s/f]8 k'/ofpg'kg]{ ePsf]n] ;f]xL adf]lhd x'g] ul/ ;+:yfsf] clws[t, hf/L tyf r'Qmf k+"lh a[l4 ug]{ ljifox?df ;+:yfsf] k|aGwkq ;+nUg adf]lhd ;+zf]wg ug'{kg]{ ePsf]n] tb\cg'?k x'g]ul/ k|aGwkq tyf lgodfjnL ;+zf]wg ug{

k|:tfa u/]sf 5f} . ;fy} ;+rfnsx?sf] b}lgs tyf e|d0f eQf ;+nUg adf]lhd x'g] ul/ a[l4 ug]{ tyf tb\cg'?k x'g] ul/

lgodfanL ;+zf]wg ug]{ k|:tfa u/]sf 5f} .

!#_ wGoafb 1fkg M ljQLo ;+:yfsf] k|ult tyf ;d[l4df k|ToIf tyf ck|ToIf ?kdf ;xof]u ug'[{x'g] xfd|f ;Dk"0f { ;xefuL z]o/wgL

dxfg'efax?, lgIf]kstf{, u|fxsju{, g]kfn /fi6« a}+s nufot ;DjlGwt lgodg lgsfox? tyf nuglzn, sd{7 sd{rf/L ju{sf ;fy} cGo ;DjlGwt ;j}df ljutdf k|fKt ePsf] ;xof]usf nflu cfef/ k|s6 ub}{ eljiodf ;d]t lg/Gt/ ?kdf ;xof]u tyf ;b\efa k|fKt x'g] ck]Iff ub}{ oxf+x?sf] ck]Iff cg'?k sfo{ ug{sf nflu ;+rfns ;ldlt nufot Aoa:yfkg

;d]t k|lta4 /x]sf] hfgsf/L u/fp+b5f}+ .

wGojfb .

ldltM @)&#.)(.)$=

;+rfns ;ldltsf] tkm{af6

================================= -wd]{Gb| sfhL >]i7 _ cWoIf



!_ sf/f]af/nfO{ c;/ kfg]{ d'Vo s'/fx?M g]kfn ;/sf/ tyf g]kfn /fi6« a}sn] ljQLo gLlt kl/at{g ug{fn] kg{ ;Sg] c;/x? . lgIf]k tyf nufgLsf] Aofhb/

kl/at{gsf sf/0f kg{ ;Sg] c;/, lglZrt ;dodf shf{ c;"nL gePsf sf/0fn] kg{ hfg] c;/x?, cfly{s ca:yfdf cfpg] kl/at{g, k+"hL ahf/df b]lvPsf] ptf/ r9fjsf ;fy} t/ntfsf] 36a9n] ;d]t kfg{ ;Sg] c;/ h:tf d'Vo r'gf}tL cflbn] ljQLo ;+:yfsf] sf/f]af/df c;/ kg{ ;Sg] b]lvG5 .

@_ n]vfkl/If0f k|ltj]bgsf] s}lkmot pk/ ;+rfns ;ldltsf] k|ltlqmofM n]vfkl/Ifsn] n]vfkl/If0f k|lta]bg lb+bf cf}NofPsf ;'emfjx?sf ;DaGwdf xfdLn] lnlvt k|lts[of lbg'sf ;fy} ;f]

sfof{Gjog ug]{ u/LPsf] .

#_ nfef+z af+8kmf+8 ug{ l;kmfl/; ul/Psf] /sd M ;dLIff aif{df !% k|ltzt af]gz z]o/ ?= ^,^*,%&,!$*÷tyf ;f] -nfef+z s/ ;dfof]hg k|of]hgfy{ )=&( k|ltzt

gub nfef+z ;d]t_ ljt/0f ug{ k|:tfa u/]sf]df g]kfn /fi6« a}saf6 ;d]t ;f] sf] :jLs[lt k|fKt ePsf] tyf o;/L ;f] af]gz z]o/ ljt/0f kZrft ;+:yfsf] r'Qmf k"+hL a[l4 eO{ ?= %! s/f]8 @% nfv &! xhf/ $ ;o ^* k'Ug] .

$_ 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] jfkt ljQLo ;+:yfn] k|fKt u/]sf] hDdf /sd / To:tf] z]o/ hkmt ePkl5 ;f] z]o/ ljqmL u/L ljQLo ;+:yfn] k|fKt u/]sf] /sd tyf hkmt ePsf] z]o/jfkt /sd lkmtf{ u/]sf] eP ;f]sf] ljj/0fM

gePsf] .

%_ ljut cfly{s jif{df ljQLo ;+:yf / o;sf] ;xfos ljQLo ;+:yfsf] sf/f]jf/sf] k|ult / ;f] cfly{s jif{sf] cGtdf /x]sf] l:yltsf] k'g/fjnf]sgM

o; laQLo ;+:yfsf] k|ultsf af/]df ;+:yfsf] o;} k|lta]bgdf pNn]v ul/Ps]f tyf o; ;+:yfsf] ;xfos ljQLo ;+:yf gePsf] hfgsf/L u/fp+b5f} .

^_ ljQLo ;+:yf tyf To;sf] ;xfos ljQLo ;+:yfn] cfly{s jif{df ;DkGg u/]sf] k|d'v sf/f]jf/x? / cjlwdf ljQLo ;+:yfsf] sf/f]jf/df cfPsf] s'g} dxTjk"0f{ kl/jt{gM

laQLo ;+:yfsf] s'g} klg ;xfos ;+:yf gePsf] tyf o; calwdf sDkgLsf] s'g} dxTjk"0f{ kl/at{g gePsf] .

&_ ljut cfly{s jif{df ljQLo ;+:yfsf] cfwf/e"t z]o/wgLn] ljQLo ;+:yfnfO{ pknJw u/fPsf] hfgsf/LM cfwf/e"t z]o/wgLx?n] To:tf] hfgsf/L pknAw gu/fPsf] .

*_ ljut cfly{s jif{df ljQLo ;+:yfsf ;+rfns tyf kbflwsf/Lx?n] lnPsf] z]o/sf] :jfldTjsf] ljj/0f / ljQLo ;+:yfsf] z]o/ sf/f]jf/df lghx? ;+nUg /x]sf] eP ;f] ;DjGwdf lghx?jf6 sDkgLn] k|fKt u/]sf] hfgsf/LM

;+:yfsf ;+rfns tyf kbflwsf/Lx?n] cf=a= @)&@÷&# df yk z]o/ vl/b gug'{sf ;fy} lghx? o; ;+:yfsf] z]o/ sf/f]af/df ;+nUg ePsf] hfgsf/L k|fKt gePsf] .

(_ ljut cfly{s jif{df ljQLo ;+:yf;+u ;DjlGwt ;Ddmf}tfx?df s'g} ;+rfns tyf lghsf] glhssf] gft]bf/sf] JolQmut :jfy{sf] jf/]df pknJw u/fPsf] hfgsf/Lsf] Joxf]/fM

;+rfns tyf lghsf] glhssf] s'g} gft]bf/af6 To:tf] hfgsf/L gcfPsf] .

!)_ 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] ;+Vof / c+lst d"No tyf To;/L z]o/ vl/b u/] jfkt ljQLo ;+:yfn] e"QmfgL u/]sf] /sdM

o; ljQLo ;+:yfsf] z]o/ ljQLo ;+:yf cfkm}n] vl/b u/]sf] 5}g .

!!_ cfGtl/s lgoGq0f k|0ffln eP jf gePsf] / ePsf] eP ;f] sf] lj:t[t ljj/0f M

l/nfoG; kmfOgfG; lnld6]8sf]sDkgL P]g, @)^# sf] bkmf !)( sf] pkbkmf $ ;+u ;DalGwt cGo ljj/0fx?



cfGtl/s lgoGq0fsf nflu cfGtl/s n]vfkl/If0f ug]{ Aoa:yf x'g'sf ;fy} cfaZos gLlt, lalgodx? Tfyf lgb]{lzsfx? /x]sf] .

!@_ ljut cfly{s jif{sf] s"n Joj:yfkg vr{sf] ljj/0fM cf=j=)&@.)&#df sd{rf/L vr{ /sd ?= @,!*,(),!(&÷– sfof{no vr{ /sd ?= @,*$,%%,#!%÷– s"n Joj:yfkg vr{ /sd ?= %,)#,$%,%!@÷–

!#_ n]vfkl/If0f ;ldltsf ;b:ox?sf] gfdfjnL, lghx?n] k|fKt u/]sf] kfl/>lds, eQf tyf ;'ljwf, ;f] ;ldltn] u/]sf] sfd sf/jfxLsf] ljj/0f / ;f] ;ldltn] s'g} ;'emfj lbPsf] eP ;f]sf] ljj/0fM

#@ cfiff9 @)&# ;Dddf o; ;+:yfsf] n]vf k/LIf0f ;ldltsf] ;+of]hsdf >L lbks s'df/ cfrfo{ tyf ;b:odf ;+rfns >L s'zn dNnL tyf ;b:o ;lradf ;+:yfsf >L ;dfh k|sfz >]i7 /x]sf 5g\ . ;f] ;ldltsf] ;+of]hsnfO{ k|lt a}7s ?= !%))÷— tyf ;+rfns ;b:onfO{ k|lt a}7s ?= !@))÷— k|bfg ug]{ ul/Psf] 5 .

!$_ ;+rfns, k|jGw ;+rfns, sfo{sf/L k|d'v, ljQLo ;+:yfsf cfwf/e"t z]o/wgL jf lghsf] glhssf gft]bf/ jf lgh ;+nUg /x]sf] kmd{, ljQLo ;+:yf jf ;+ul7t ;+:yfn] ljQLo ;+:yfnfO{ s'g} /sd j'dmfpg jf+sL eP ;f] s'/fM

ljQLo ;+:yfsf] ;+rfns, k|jGw ;+rfns s'g}klg kbflwsf/L, sfo{sf/L k|d'v, ljQLo ;+:yfsf cfwf/e"t z]o/wgL jf lghsf] gft]bf/ jf lgh ;+nUg /x]sf] kmd{, ljQLo ;+:yf jf ;+ul7t ;+:yfn] ljQLo ;+:yfnfO{ s'g}klg /sd j'emfpg jf+sL /x]sf] 5}g .

!%_ sDkgLsf] ;~rfns, k|aGw ;~rfns, sfo{sf/L k|d'v tyf kbflwsf/Lx?nfO{ e'Qmfg ul/Psf] kfl/>lds, eQf tyf ;'ljwfsf] /sdM

cf=a=@)&@÷&#

kb k|lta}7s eQf ?= Kfqklqsf tyf df]jfOn ;'ljwf

cWoIf #^))÷– !%))÷– k|lt dlxgf

;+rfns #)))÷– !%))÷– k|lt dlxgf

k|d'v sfo{sf/L clws[t — ?=@#,#^,!@%÷– pk k|d'v sfo{sf/L clws[t — ?=!*,&%,!^@÷– ;xfos dxfk|aGws — ?=!!,$(,*#!÷– k|aGws — ?=(,)@,)*&÷– cGo ;'ljwfsf] xsdf sd{rf/L ;]jf ljlgodfjnL adf]lhd tyf ;+rfns ;ldltn] lg0f{o u/] adf]lhd .

!^_ z]o/wgLn] j'lemlng jf+sL /x]sf] nfef+zsf] /sdM o; ljQLo ;+:yfn] 3]fif0f u/]sf] nfef+z dWo] cf= a=@)&@÷&# sf] cGTo;Dd z]o/wgLx?af6 bfaL gcfPsf] /sd

?= !^,*^,@$*÷/x]sf] 5 .

!&_ sDkgL P]g bkmf !$! jdf]lhd ;DklQ vl/b jf ljqmL u/]sf] s'/fsf] ljj/0fM cf=a= @)&@÷&# df bkmf !$! jdf]lhd ;DkQL vl/b jf ljqmL u/]sf 5}g .

!*_ bkmf !&% jdf]lhd ;Dj4 ljQLo ;+:yf jLr ePsf] sf/f]jf/sf] ljj/0fM 5}g .

!(_ o; P]g tyf k|rlnt sfg"g jdf]lhd ;+rfns ;ldltsf] k|ltj]bgdf v'nfpg' kg]{ cGo s'g} s'/f 5}gg\ .

@)_ cGo cfaZos s'/fx? M gePsf] .

l/nfoG; kmfOgfG; ln= sf] z]o/wgLx? ;dIf:jtGq n]vfk/LIfssf] k|ltj]bg

ljQLo ljjj/0f dfly k|ltj]bgMxfdLn] o;};fy ;+nUg l/nfoG; kmfOgfG; ln= sf] ljQLo ljj/0fx?, ;f] ;+u ;dflji6 #! cfiff9 @)&# sf] jf;nft tyf ;f]xL ldltdf ;dfKt cfly{s jif{sf] gfkmf–gf]S;fg lx;fa, :jfldTj sf]if (Equity) df ePsf] kl/jt{g, gub k|jfx ljj/0f tyf dxTjk"0f{ n]vf ;DaGwL gLlt tyf l6Kk0fLx?sf] ;f/sf] n]vfk/LIf0f ;DkGg u/]sf 5f}+ .

ljQLo ljj/0fx? k|ltsf] Joj:yfkgsf] pQ/bfloTjMk|rlnt sfg"gsf] clwgdf /lx g]kfn n]vfdfg cg';f/ oL ljQLo ljj/0fx? tof/ ug]{ tyf ;lx k|:t'lts/0f ug]{ pQ/bfloTj Joj:yfkgdf /x]sf] 5 . oL bfloTj cGtu{t hfn;fhL jf q'6Laf6 x'g ;Sg] ;f/e"t ?kdf q'6Lk"0f{ /lxt ljQLo ljj/0f tof/ ug{ tyf k|:t't ug{ cfjZos cfGtl/s lgoGq0f k|0ffnLsf] agfj6, sfof{Gjog / sfod ug]{, pko'Qm n]vf gLltsf] 5gf]6 Pj+ k|of]u tyf kl/l:ytL cg'?k plrt n]vf cg'dfgsf] k|of]u klg ;dfj]z x'G5 .

n]vfk/LIfssf] pQ/bfloTjMn]vfk/LIf0fsf] cfwf/df oL ljQLo ljj/0fx? pk/ /fo JoQm ug'{ xfd|f] pQ/bfloTj xf] . xfdLn] g]kfn n]vfk/LIf0fdfg cg';f/ n]vfk/LIf0f ;DkGg u¥of}+ . ;f] n]vfk/LIf0fdfg cg';f/ ljQLo ljj/0fx? ;f/e"t ?kdf q'6Lk"0f{ k|:t'tL /lxt 5 eGg] s'/fdf plrt ?kdf cfZj:t x'gsf] nflu n]vfk/LIf0f ubf{ g}lts cfjZostfsf] kl/kfng tyf n]vfk/LIf0fsf] of]hgf th'{df u/L n]vfk/LIf0f ;DkGg ug'{ kb{5 .

n]vfk/LIf0f cGtu{t ljQLo ljj/0fx?df pNn]v ul/Psf /sdx? tyf v'n:t ul/Psf s'/fx?sf] k|df0f k|flKt ug{ n]vfk/LIf0fsf sfof{ljlwsf] ;fy} ljQLo ljj/0fx? hfn;fhL jf q'6Laf6 ;f/e"t ?kdf q'6Lk"0f{ x'g] hf]lvdsf] d"NofÍg n]vfk/LIFssf] ljj]sdf lge{/ x'G5 . pQm hf]lvdsf] d'NofÍg ubf{ ;f] cj:yfdf pko'Qm x'g] n]vfk/LIF0f sfo{ljlwsf] th'{df ug{sf] nflu n]vfk/LIfsn] lgsfosf] ljQLo ljj/0fsf] tof/L / ;lx k|:t'lts/0f;+u ;DalGwt cfGtl/s lgoGq0fsf] k|efjsf/Ltf dfly ljrf/ JoQm gug]{ u/L cfGtl/s lgoGq0fsf] dgg ub{5 . Joj:yfkgn] k|of]u u/]sf] n]vf gLltsf] pko'Qmtf tyf n]vf cg'dfgsf] cf}lrTotfsf] ;fy} ljj/0fx?sf] ;du| k|:t'lts/0fsf] d"NofÍg klg n]vfk/LIf0fdf ;dfj]z x'G5 . xfdLn] k|fKt u/]sf] k|df0fx? xfd|f] /fo JoQm ug{sf] nflu kof{Kt / pko'Qm cfwf/ k|bfg u/]sf] s'/fdf xfdL ljZj:t 5f}+ .

a}+s tyf ljQLo ;+:yf ;DaGwL P]g, @)^# tyf sDkgL P]g @)^# sf] k|fjwfgx?sf] cfjZostf dfly k|ltj]bg

pk/f]Qm cg';f/ ljQLo ljj/0fx?sf] 58\s] k/LIf0fsf] cfwf/df n]vfk/LIf0f u/L b]xfo adf]lhd k|ltj]bg ub{5f}+ Ms_ n]vfk/LIf0fsf] qmddf cfjZos 7fg]sf ;"rgfx? Pj+ ;f]wgL ePsf s'/fx/sf] hjfkm kfof}“ .v_ xfd|f] /fodf k|:t't ljQLo ljj/0fx? sDkgLn] /fv]sf] lx;fa lstfax?;“u b'?:t 5g\ / ltgLx? k|rlnt sfg"g tyf k|rng cg';f/ tof/ ePsf

5g\ .u_ xfd|f] /fodf, xfdLn] k|fKt u/];Ddsf] ;"rgf, :ki6Ls/0f / sDkgLsf] lx;fa lstfasf] n]vfk/LIf0fsf] l;nl;nfdf ;+rfns ;ldlt jf s'g} ;+rfns

jf s'g} sd{rf/Ln] hfgfhfgL n]vf ;DalGw sfg"gL Joj:yf lj?4 sfdsfh u/]sf] jf sDkgLnfO{ xfgL gf]S;fgL u/]sf] jf sDkgLsf] sf]ifsf] lxgfldgf u/]sf] jf g]kfn /fi6« a}+ssf] lgb]{zg pNn+3g u/]sf] tyf o;sf lgIf]kstf{x?sf] lxt jf ;'/Iff lj?4 sfd u/]sf] xfd|f] hfgsf/Ldf cfPsf] 5}g .

3_ xfd|f] /fodf sDkgLn] k"“hLsf]if tyf gf]S;fgL Joj:yf kof{Kt dfqfdf /fv]sf] 5 . sDkgLsf] lx;fa lstfasf] k/LIf0faf6 sDkgLsf] sf/f]jf/ cfkm\gf] clwsf/ leq /x]sf] kfof}“ .

ljQLo ljj/0f pk/ n]vfk/LIfssf] /foMxfd|f] /fodf tyf xfdLn] kfP;Ddsf] ;"rgf Pj+ :ki6Ls/0fsf] cfwf/df k|rlnt sfg"gsf clwgdf /lx nfu' ug{ ;lsg] xb;Dd ;+nUg ljQLo ljj/0fx? g]kfn n]vfdfg cg';f/ tof/ kfl/Psf] 5 / ;f]df ;+nUg ul/Psf l6Kk0fLx?sf ;fy cWoog ubf{, oL ljj/0fx?n] #! cfiff9 @)&# -!% h'nfO{ @)!^_ sf] sDkgLsf] ljQLo cj:yf / ;f]xL ldltdf ;dfKt ePsf] cjlwsf] ;+rfng glthf Pj+ gub k|jfxsf] oyfy{ tyf plrt lrq0f ub{5 .

;'Gb/ dfg >]i7, Pkm=l;=P;fem]bf/;'Gb/ P08 sDkgLrf6{8 Psfp06]06;\ldlt M @)&#.)&.@#

;'Gb/ P08 sDkgLrf6{8{ Psfp06]06;\k'Nrf]s -drfuf_

nlntk'/ @)÷*3kf]=a=g+= #!)@ sf7df08f}, g]kfn

kmf]g g+=M %%@!*)$, %%@(($@km\ofS; g+=M (&&–!–%%@$*)$Email: [email protected] [email protected]




l/nfoG; kmfOgfG; lnld6]8lj h] ejg, k|bz{gL dfu{, sf7df8f}+ldlt @)&# ;fn cfiff9 d;fGtsf]

jf;nftk"“hL tyf bfloTj cg';"rL o; jif{ ¿= ut jif{ ¿=

!= z]o/ k"FhL 4=1 51,25,71,468 39,42,85,720 @= hu]8f tyf sf]ifx? 4=2 6,01,16,454 4,05,97,737 #= C0fkq tyf aG8 4=3 – – $= ltg{ afFls shf{ ;fk6 4=4 – – %= lgIf]k bfloTj 4=5 2,42,53,63,937 1,73,68,21,299 ^= e'QmfgL lbg'kg]{ ljnx? 4=6 &= k|:tfljt tyf e'QmfgL lbg afFsL nfef+z 35,18,797 39,09,775 *= cfos/ bfloTj -v"b_ cfos/ bfloTj

Go"g clu|d s/ (= cGo bfloTj 4=7 6,57,23,416 3,63,78,427

s'n kF"hL tyf bfloTj 3,06,72,94,072 2,21,19,92,958 ;DklQ cg';"rL o; jif{ ¿= ut jif{ ¿=

!= gub df}Hbft 4=8 2,25,72,328 1,71,18,052 @= g]kfn /fi6« a}+sdf /x]sf] df}Hbft 4=9 15,14,96,467 15,15,53,078

#= a}+s÷tyf ljQLo ;+:yfdf /x]sf] df}Hbft 4=10 74,59,56,798 38,15,44,418 $=dfu tyf cNk ;"rgfdf k|fKt x'g] /sd 4=11 – – %= nufgL 4=12 6,45,14,856 10,79,10,184 ^= shf{ ;fk6 tyf ljn vl/b 4=13 2,04,09,89,042 1,50,77,43,477 &= l:y/ ;DklQ 4=14 1,69,81,798 2,26,80,946 *= u}/ a}+lsË ;DklQ 4=15 – – (= cGo ;DklQ 4=16 2,47,82,783 2,34,42,803

s'n ;DklQ 3,06,72,94,072 2,21,19,92,958

;+efljt bfloTj cg';"rL 4=17

;~rfnsx?sf] #f]if)ff cg';"rL 4=29

kF"hLsf]if tflnsf cg';"rL 4=30

hf]lvd efl/t ;DklQ ljj/)f tflnsf cg';"rL 4=30 -s_

k|d'v ;"rsf+Ëx? cg';"rL 4=31

k|d'v n]vf gLltx? cg';"rL 4=32

n]vf ;DalGw l^Kk)fLx? cg';"rL 4=33

4=1 b]lv 4=17 ;Ddsf cg';"rLx? jf;nftsf cleGg c+u x'g\ .

;+nUg k|ltj]bg cg';f/

clgn >]i7k|d'v sfo{sf/L clws[t

;'/s[i0f j}B;+rfns

lbks s'df/ cfrfo{;+rfns

wd]{Gb| sfhL >]i7cWoIf

;'Gb/ dfg >]i7, Pkm=;L=P=

lgldQM ;'Gb/ P08 sDkgL

rf6{8{ Psfp06]06;\

sljGb| >]i7;+rfns

/ljs[i0f >]i7;+rfns

lji0f'dfg hf]zL;+rfns

/fhLj ljqmd zfx;+rfns

s'zn dNnL ;+rfns




ldlt @)&@ ;fn >fj0f ! b]lv @)&# cfiff9 #! ut] ;Ddgfkmf–gf]S;fg lx;fa

ljj/0f cg';"rL o; jif{ ¿= ut jif{ ¿=

!= Jofh cfDbfgL 4=18 24,42,31,043 21,95,56,716

@= Jofh vr{ 4=19 14,23,50,233 13,06,73,473

v'b Aofh cfDbfgL 10,18,80,810 8,88,83,243

#= sldzg tyf l8:sfp06 4=20 15,52,425 5,34,854

$= cGo ;~rfng cfDbfgL 4=21 2,53,43,186 1,42,49,549

%= ;6xL 36j9 cfDbfgL 4=22

s"n ;~rfng cfDbfgL 12,87,76,421 10,36,67,646

^= sd{rf/L vr{ 4=23 2,18,90,197 1,84,02,188

&= cGo ;~rfng vr{ 4=24 2,84,55,315 2,53,29,821

*= ;6xL 36j9 gf]S;fg 4=22

;Defljt gf]S;fgL Joj:yf cl#sf] ;~rfng d'gfkmf 7,84,30,909 5,99,35,637

(= ;Defljt gf]S;fgL Joj:yfx? 4=25 56,38,240 1,27,77,740

;~rfng d'gfkmf 7,27,92,669 4,71,57,897

!)= u}/ ;~rfng cfDbfgL÷vr{ 4=26 6,31,64,096 2,11,03,721

!! ;Defljt gf]S;fgL Aoa:yfaf6 lkmtf{ 4=27 16,598 29,37,025

lgoldt sf/f]jf/jf^ ePsf] d'gfkmf 13,59,73,363 7,11,98,643

!@= c;fdfGo sf/f]jf/x?af6 ePsf] cfDbfgL÷vr{ 4=28 – –

;Dk")f{ sf/f]jf/ ;dfj]z kl%sf] v'b d'gfkmf 13,59,73,363 7,11,98,643

!#= sd{rf/L af]g; Aoa:yf 1,23,61,215 64,72,604

!$ cfos/ Joj:yf

o; jif{sf] s/ Joj:yf 3,67,61,102 1,94,82,526

ljut jif{;Ddsf] s/ Joj:yf 9,61,573

o; aif{sf] :yug s/ -cfDbfgL_÷vr{ 3,24,805 -12,31,718_

v'b gfkmf÷gf]S;fg 8,65,26,241 4,55,13,658 4=18 b]lv 4=28 ;Ddsf cg';"rLx? gfkmf gf]S;fg lx;fjsf cleGg c+u x'g\ .



;'/s[i0f j}B;+rfns





rf6{8{ Psfp06]06;\

sljGb| >]i7;+rfns

/ljs[i0f >]i7;+rfns



s'zn dNnL ;+rfns



l/nfoG; kmfOgfG; lnld6]8lj h] ejg, k|bz{gL dfu{, sf7df8f}+gfkmf–gf]S;fg afF8kmfF8 lx;fa

ldlt @)&@ ;fn >fj0f ! b]lv @)&# cfiff9 #! ut] ;Dd

ljj/0f cg';"rL o; jif{ ¿= ut jif{ ¿=

cfDbfgL!= ut jif{;Ddsf] ;+lrt d'gfkmf 79,05,764 31,04,523 @= o; aif{sf] d'gfkmf 8,65,26,241 4,55,13,658

#= ut aif{sf] k|:tfljt nfef+z -s/ k|of]hgsf] nflu_af6 lkmtf{ 33,68,421

$= ;6xL 36j9 sf]if – –

hDdf 9,78,00,426 4,86,18,181 vr{!= ut jif{;Ddsf] ;+lrt gf]S;fg

@= o; jif{sf] gf]S;fg – –

#= ;fwf/0f hu]8f sf]if 1,73,05,248 91,02,732

$= 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 -s/ k|of]hgsf] nflu_ 35,18,797 39,09,775

(= k|:tfljt af]g; z]o/ 6,68,57,148 7,42,85,720

!)= ljz]if hu]8f sf]if

!!= ;txL 36a9

!@= k"“hL lkmtf{ hu]8f sf]if

!#= k"“hL ;dfof]hg sf]if

!$= ut jif{sf] nfef+z ;dfof]hg -4,80,00,000_

!% :yug s/ hu]8f -3,24,805_ 12,31,718

!^= nufgL ;dfof]hg sf]if -8,67,370_ 1,82,472

hDdf 8,64,89,018 4,07,12,417

!&= ;l~rt d'gfkmf÷-gf]S;fg_ 1,13,11,408 79,05,764



;'/s[i0f j}B;+rfns





rf6{8{ Psfp06]06;\

sljGb| >]i7;+rfns

/ljs[i0f >]i7;+rfns



s'zn dNnL ;+rfns



l/nfoG;

kmfO

gfG;

lnld

6]8lj h] ejg, k|bz{gL dfu{, sf7df8f}+

OlSj

6Ldf ePs

f] kl/j

t{g ;

DaGw

L ljj/

0fcf=j= @)&@÷@)&#

ljj/0f

z]o/ k"FhL

;l~rt

gf= gf]=

;fwf/0f

hu]8f sf]if

k"FhLut

hu]8f sf]if

z]o/

lk|ldod

;6xL

36a9 sf]if

:yug s/

hu]8f

cGo hu]8f

tyf sf]if

s'n /sd ¿=

z'?

Dff}Hbft

39,4

2,85,72

0

79,05,76

4

2,8

6,62

,278

–

–

–

1

8,29,615

22

,00,080

43,48,8

3,457

:yug s

/ 3

,24,8

05

-3,24,8

05_

–

gof“ hf/L z]o/

k"“hL -Pkmlkcf]_

5,14,28,600

5,14,28,600

o; j

if{sf] d'gfkmf

8,65,26

,241

8,65,26

,241

k|:tflj

t a

f]gz z

]o/

6,68,57,14

8 -6,68

,57,14

8_

–

;fw

f/0f h

u]8f sf]if

-1,73

,05,24

8_

1,73,05,24

8

–

k|:tflj

t n

fef+;

-s/

k|of]h

gsf] nflu

_ -35,18

,797_

-35,18

,797_

;dfo

f]hg÷lkmt

f{ -u

t j

if{sf] k|:

tflj

t g

ub

nfe

f+;_

33,68,4

2133

,68,4

21

nufg

L ;dfo

f]hg s

f]if 8

,67,37

0

-8,67,37

0_

–

clGt

d df

}Hbft

51,25

,71,46

8 1,13,11,4

08

4,59

,67,

526

–

–

– 15

,04,

810

13,32

,710

5

7,26

,87,

922

;+nUg

k|lt

j]bg c

g';f/

clgn >]i7

k|d'v s

fo{sf/L clws[t

;'/s[i0f j}B

;+rfn

s

lbks s'df/ cfrfo{

;+rfn

s

wd]{Gb| sfhL >]i7

cWo

If

;'Gb/dfg >]i7,

Pkm=;

L=P=

lgld

QM ;'Gb

/ P0

8 s

DkgL

rf6{8{ P

sfp

06]06

;\

sljGb| >]i7

;+rfn

s

/ljs[i0f >]i7

;+rfn

s

lji0f'dfg hf]zL

;+rfn

s

/fhLj ljqmd zfx

;+rfn

s

s'zn dNnL

;+rfn

s




gub k|jfx ljj/0fldlt @)&@ ;fn >fj0f ! b]lv @)&# cfiff9 #! ut] ;Dd

ljj/0f o; jif{ ¿= ut jif{ ¿=s= sf/f]af/ ;+rfngaf6 gub k|jfx 1= gub k|flKt 27,11,26,654 23,43,41,119 !=! Jofh cfDbfgL 24,42,31,043 21,95,56,716 !=@ sdLzg tyf l8isfpG6 cfDbfgL 15,52,425 5,34,854 !=# ljb]zL ljlgdo sf/f]jf/af6 cfDbfgL !=$ ckn]lvt shf{sf] c;"nL !=% cGo cfDbfgL 2,53,43,186 1,42,49,549 2= gub e'QmfgL 23,59,55,527 195649,590 @=! Jofh vr{ 14,23,50,233 13,06,73,473 @=@ sd{rf/L vr{ 2,18,90,197 1,84,02,188 @=# sfof{no ;+rfng vr{ 2,25,92,780 1,96,57,226 @=$ cfos/ e'QmfgL 3,67,61,102 2,04,44,099 @=% cGo vr{ 1,23,61,215 64,72,604

sfo{ut k"FhL ultljlw cl#sf] gub k|jfx 3,51,71,127 3,86,91,529 ;~rfng ;DjlGw rfn" ;DklQdf sdL÷-j[l$_ -49,68,11,859_ -20,90,55,769_!= dfu tyf cNk ;"rgfdf k|fKt x"g] /sddf sdL÷-j[l4_ – – @= cGo cNksfnLg nufgLdf sdL÷-j[l4_ 4,33,95,328 -31,71,220_#= shf{ tyf ljN; v/Lbdf sdL÷-j[l4_ -53,88,67,207_ -21,49,24,739_$= cGo ;DklQdf sdL÷-j[l4_ -13,39,980_ 90,40,190

;~rfng ;DjlGw rfn" bfloTjdf -sdL_÷j[l$ 71,75,62,822 5,59,37,733 != lgIf]k bfloTjdf -sdL_÷j[l4 68,85,42,638 6,92,13,258 @= ;l6{lkms]6 ckm l8kf]lh6df -sdL_÷j[l43= cNksfnLg ;fk^Ldf -sdL_ ÷j[l$ – – $= cGo bfloTjdf -sdL_÷jl4 2,90,20,184 -1,32,75,525_v= nufgL sf/f]jf/df gub k|jfx 6,24,59,355 43,05,620 != bL3{sfnLg nufgLdf sdL÷-j[l4_ @= :yL/ ;DklQdf sdL÷-j[l4_ -1,63,387_ -1,67,98,100_ #= bL3{sfnLg nufgLdf Jofh cfDbfgL $= nfef+z cfDbfgL 13,25,392 17,22,025 %= cGo 6,12,97,350 1,93,81,695 u= ljQLo >f]t sf/f]jf/af^ gub k|jfx 5,14,28,600 – != bL3{sfnLg C0f -j08, l8j]Gr/ cflb_ df j[l4÷-sdL_ @= z]o/ k"“hLdf j[l4÷-sdL_ 11,82,85,748 #= cGo bfloTjdf j[l4÷-sdL_ nfef+z e'QmfgL -6,68,57,148_ $= g]kfn /fi6« a}+saf6 k|fKt ;x'lnot÷k'g/shf{ df j[l4÷-sdL_ – – #= gub tyf a}+s df}Hbftsf] ljlgdo b/df ePsf] km/saf^ cfDbfgL÷vr{ª= o; jif{sf] ;Dk")f{ ultljlwaf^ gub k|jfxr= gub tyf a}+sdf /x]sf] z'? df}Hbft 36,98,10,045 -11,01,20,887_%= gub tyf a}+sdf /x]sf] clGtd df}Hbft 55,02,15,548 66,03,36,435

92,00,25,593 55,02,15,548 ;+nUg k|ltj]bg cg';f/


;'/s[i0f j}B;+rfns



;'Gb/dfg >]i7, Pkm=;L=P=


rf6{8{ Psfp06]06;\

sljGb| >]i7;+rfns

/ljs[i0f >]i7;+rfns



s'zn dNnL ;+rfns




z]o/ k"FhL tyf :jfldTj @)&# ;fn cfiff9 d;fGt

cg';"rL – $=!

ljj/0f o; jif{ ¿= ut jif{ ¿=1 z]o/ k"FhL1=1 clws[t k"FhL 6,50,000,000 6,50,000,000

z]o/ k"FhLs_ s_ ^%,)),))) ;fwf/0f z]o/ k|lt z]o/ ?= !)). n] 6,50,000,000 6,50,000,000

v_ v_ === gg\l/l8d]jn lk|km/]G; z]o/ k|lt z]o/ ¿= === n]

u_ u_ === l/l8d]jn lk|km/]G; z]o/ k|lt z]o/ ¿= ====n]

1=2 hf/L kF"hL 4,45,714,320 3,20,000,000 s_ s_ $$,%&,!$# ;fwf/0f z]o/ k|lt z]o/ ¿=!))÷– n] 4,45,714,320 3,20,000,000

v_ v_ === gg\l/l8d]jn lk|km/]G; z]o/ k|lt z]o/ ¿= == n]

u_ u_ ===l/l8d]jn lk|km/]G; z]o/ k|lt z]o/ ¿=============n]

1=3 r"Qmf kF"hL 4,45,714,320 3,20,000,000 s_ s_ $$,%&,!$# ;fwf/0f z]o/ k|lt z]o/ ¿=!))÷– n] 4,45,714,320 3,20,000,000

v_ v_ === gg\l/l8d]jn lk|km/]G; z]o/ k|lt z]o/ ¿= == n]

u_ u_ ===l/l8d]jn lk|km/]G; z]o/ k|lt z]o/ ¿=============n]

1=4 k|Ztfljt af]gz z]o/ 66,857,148 74,285,720 1=5 sN; Og P*efG;1=6 hDdf /sd -1=3±1=4±1=5_ 5,12,571,468 3,94,285,720

z]o/ :jfldTj

z]o/ :jfldTj ljj/0fo; jif{ -¿=_ ut jif{ -¿=_

k|ltzt z]o/ k"FhL z]o/ k"FhL k|ltzt1= :jb]zL :jfldTj 51,25,71,468 39,42,85,720

!=! g]kfn ;/sf/

!=@ æsÆ ju{sf Ohfhtkq k|fKt ;+:yfx¿

!=# cGo Ohfhtkq k|fKt ;+:yfx¿

!=$ cGo ;+:yfx¿

!=% ;j{;fwf/0f 30=00Ü 15,37,71,440 7,39,28,572 18=75Ü

!=^ cGo -;+:yfks_ 70=00Ü 35,88,00,028 32,03,57,148 81=25Ü

2= a}b]lzs :jfldTjhDdf 100Ü 51,25,71,468 39,42,85,720 100Ü




)=% k|ltzt jf ;f]eGbf a9L z]o/

:jfldTj ePsf z]o/wgLx?sf] laj/0f

;+:yfks ;d'xtkm{M

z]o/wgLsf] gfd k|ltzt z]o/ k"FhL

1 s'z k|;fb dNnL 2=24 1,00,00,000

2 1fg]Gb| k|;fb dNnL 2=24 1,00,00,000

3 /fh]Gb| k|;fb dNnL 2=24 1,00,00,000

4 sljGb| >]i7 0=90 40,00,000

5 /lj s[i0f >]i7 0=90 40,00,000

6 O/]g uf]kfn /lGhtsf/ 0=84 37,50,000

7 /lj ljs|d Wjh hf]zL 0=79 35,00,000

8 ;nf]gf t'nfw/ 0=67 30,00,000

9 /ljGb| ah|frfo{ 0=61 27,00,000

10 /f]zgL dNnL 0=56 25,00,000

11 ;/f]hlg lkof 0=56 25,00,000

12 rGb| axfb'/ z]kf{ 0=56 25,00,000

13 1fg]Gb| df]xg >]i7 0=56 25,00,000

14 k'?iff]]td dfg l;+x 8+uf]n 0=56 25,00,000

15 /fh]z >]i7 0=56 25,00,000

16 b]j]Gb| v8sf 0=56 25,00,000

17 ;Gb]z dfgGw/ 0=56 25,00,000

18 ;+ho nfdf of]~hg 0=52 23,00,000

hDdf 7,32,50,000

;j{;fwf/0f ;d'x tkm{M

z]o/wgLsf] gfd k|ltzt z]o/ k"“hL

1 /flhj ljqmd zfx 1=12 50,00,000

2 o;:jL zfx 1=12 50,00,000

hDdf 1,00,00,000




hu]8f tyf sf]ifx? @)&# ;fn cfiff9 d;fGt

cg';"rL – $=@

ljj/0f o; jif{ ¿= ut jif{ ¿= != ;fwf/0f÷j}wflgs hu]8f sf]if 4,59,67,526 2,86,62,278 @= k"“hLut hu]8f sf]if #= k"“hL lkmtf{ hu]8f sf]if (Capital Redemption Reserve) $= k"“hL ;dfof]hg sf]if %= cGo hu]8f tyf sf]if 28,37,520 40,29,695 %=! e}k/L cfpg] hu]8f

%=@ ;+:yf ljsf; sf]if

%=# nfef+z ;lds/0f sf]if %=$ ljz]if hu]8f sf]if %=% ;DklQ k'gd"{NofÍg sf]if %=^ :yug s/ hu]8f 15,04,810 18,29,615 %=& cGo :jtGq sf]if %=* cGo hu]8f sf]if -nufgL ;dfof]hg sf]if_ 13,32,710 22,00,080 ^= ;l~rt gfkmf÷gf]S;fg 1,13,11,408 79,05,764 &= ;6xL 36a9 sf]if

hDdf 6,01,16,454 4,05,97,737


C0fkq tyf a08@)&# ;fn cfiff9 d;fGt

cg';"rL – $=#

ljj/0f o; jif{ ¿= ut jif{ ¿= != k|ltzt j)*÷C)fkq k|lt j)*÷C)fkq ==========¿= n]

ldlt ==========df hf/L ePsf] / ldlt ==========df r'Qmf x'g]

-xfn;Ddsf] Redemption Reserve /sd ¿= =========

– –

@= k|ltzt j)*÷C)fkq k|lt j)*÷C)fkq ==========¿= n]

dlt ==========df hf/L ePsf] / ldlt ==========df r"Qmf x'g]

-xfn;Ddsf] Redemption Reserve /sd ¿= ==========

– –

#= ========== – –

hDdf 1±2±3 – –




ltg{ afFsL shf{ -;fk6L_ @)&# ;fn cfiff9 d;fGt cg';"rL – $=$

ljj/0f o; jif{ ¿= ut jif{ ¿=s= :jb]zL – – 1= g]kfn ;/sf/ – – 2= g]kfn /fi^« a}+s – – 3= l/kf] bfloTj – – 4= cGt/ a}+s tyf ljQLo ;+:yf – – 5= cGo ;+ul&t ;+:yfx¿ – – 6= cGo – –

hDdf – –v= ljb]zL – – 1= a}+sx¿ – – 2= cGo – –

hDdf – –hDdf -s±v_ – –


lgIf]k lx;fa @)&# ;fn cfiff9 d;fGt cg';"rL – $=%

ljj/0f o; jif{ ¿= ut jif{ ¿=1= Aofh ltg{' gkg]{ vftfx¿ s= rNtL lx;fa – – 1= :jb]zL d'b|fdf – – 1=1 g]kfn ;/sf/ – – 1=2 ‘s’ ju{sf Ohfhtkq k|fKt ;:yfx? – – 1=3 cGo Ohfhtkq k|fKt ljQLo ;+:yfx¿ – – 1=4 cGo ;+ul&t ;+:yfx¿ – – 1=5 JolQmut – – 1=6 cGo – – 2= ljb]zL d'b|fdf – – 2=1 g]kfn ;/sf/ – – 2=2 ‘s’ ju{sf Ohfhtkq k|fKt ;+:yfx? – – 2=3 cGo Ohfhtkq k|fKt ljQLo ;+:yfx¿ – – 2=4 cGo ;+ul&t ;+:yfx¿ – – 2=5 JolQmut – – 2=6 cGo – – v= dflh{g – – 1= sd{rf/L hdfgt – – 2= hdfgt dflh{g – – 3= k|lttkq dflh{g – –



ljj/0f o; jif{ ¿= ut jif{ ¿= u= cGo – – 1= :jb]zL d'b|fdf – – 1=1 ljQLo ;+:yfx¿ – – 1=2 cGo ;+ul&t ;+:yfx¿ – – 1=3 JolQmut – – 2= ljb]zL d'b|fdf – – 2=1 ljQLo ;+:yfx¿ – – 2=2 cGo ;+ul&t ;+:yfx¿ – – 2=3 JolQmut – – Aofh ltg{' gkg]{ vftfx¿sf] hDdf – – 2= Aofh ltg{' kg]{ vftfx¿ 2,42,53,63,937 1,73,68,21,299 s= art lx;fa 1,87,07,29,488 1,27,53,47,362 1= :jb]zL d'b|fdf 1,87,07,29,488 1,27,53,47,362 1=1 ;+# ;+:yfx¿ 84,34,32,162 48,92,29,865 1=2 JolQmut 1,02,72,97,326 78,61,17,497 1=3 cGo 2= ljb]zL d'b|fdf 2=1 ;+# ;+:yfx¿ 2=2 JolQmut 2=3 cGo v= d'@tL lx;fa 55,46,34,449 46,14,73,937 1 :jb]zL d'b|fdf 55,46,34,449 46,14,73,937 1=1 ;+# ;+:yfx¿ 6,99,41,895 9,55,20,736 1=2 JolQmut 48,46,92,554 36,59,53,201 1=3 cGo 2= ljb]zL d'b|fdf 2=1 ;+# ;+:yfx¿ 2=2 JolQmut 2=3 cGo u= dfu]sf] avt ltg'{ kg]{ lx;fa – – 1= :jb]zL d'b|fdf – – 1=1 s ju{sf Ohfhtkq k|fKt ;+:yfx?– 1=2 cGo O=k|f=ljQLo ;+:yfx¿ 1=3 cGo ;+ul&t ;+:yfx¿ 1=4 JolQmut 1=5 cGo 2= ljb]zL d'b|fdf 2=1 s ju{sf Ohfhtkq k|fKt ;+:yfx?– 2=2 cGo O=k|f=ljQLo ;+:yfx¿ 2=3 cGo ;+ul&t ;+:yfx¿ 2=4 JolQmut 2=5 cGo #= ;l^{lkms]^ ckm l*kf]lh^ 1= ;+ul&t ;+:yf 2= JolQmut 3= cGo

Jofh ltg{' kg]{ vftfx¿sf] hDdf 2,42,53,63,937 1,73,68,21,299 -1±2_ hDdf lgIf]k 2,42,53,63,937 1,73,68,21,299




e'QmfgL lbg'kg]{ ljnx? @)&# ;fn cfiff9 d;fGt cg';"rL – $=^

ljj/0f o; jif{ ¿= ut jif{ ¿=

1= :jb]zL d'b|f – –

2= ljb]zL d'b|f – –

3= cGo – –

hDdf – –


cGo bfloTj @)&# ;fn cfiff9 d;fGt cg';"rL – $=&


!= k]G;g÷pkbfg sf]if 6,84,263 5,19,892

@= sd{rf/L ;~ro sf]if

#= sd{rf/L sNof0f sf]if

$= sd{rf/L af]g; Joj:yf 1,23,61,215 64,72,604

%= lgIf]kdf e'QmfgL lbg afFsL Aofh 1,66,91,708 1,32,13,388

^= ;fk6Ldf e'QmfgL lbg afFsL Aofh – –

&= kfsL g;s]sf] l8:sfp06 / sldzg

*= ;08«L q]ml86;{ 1,03,53,848 10,35,389

(= zfvf ldnfg lx;fj – –

!)= :yug s/ bfloTj

!!= e'QmfgL lbg af“sL nfef+z 16,86,248 18,69,464

!@= cGo

s= ljljw 41,24,484 32,69,670

v= efvf gf3]sf] lgIf]k 1,66,13,615 80,30,751

u= nf]6; kmfO{gfG;sf] cfos/ Joj:yf 19,67,269 19,67,269

3= ljbf jfktsf] tna Joj:yf 6,99,412

ª= nfef+z s/ 5,41,354

hDdf 6,57,23,416 3,63,78,427




gub df}Hbft @)&# ;fn cfiff9 d;fGt cg';"rL – $=*

ljj/0f o; jif{ ¿= ut jif{ ¿=1= :jb]zL d'b|f -l;Ssf ;d]t_ 2,25,72,328 1,71,18,052

2= ljb]zL d'b|f

hDdf 2,25,72,328 1,71,18,052


g]kfn /fi6« a}+sdf /x]sf] df}Hbft @)&# ;fn cfiff9 d;fGt cg';"rL – $=(

ljj/0f :jb]zL d'b|fljb]zL d'b|f ?=df

o; jif{ ?= ut jif{ ?=ef=? kl/jTo{ lj=d' hDdf

1= g]kfn /fi^« a}+s 15,14,96,467 15,14,96,467 15,15,53,078 s= rNtL vftf 15,14,96,467 15,14,96,467 15,15,53,078

v= cGo vftf –

gf]6M g]kfn /fi6« a}+ssf] ;dy{g kq cg';f/sf] s'n df}Hbft ¿=!%,^^,)*,@*#÷–


a}+s÷ljQLo ;+:yfdf /x]sf] df}Hbft @)&# ;fn cfiff9 d;fGt cg';"rL – $=!)

ljj/0f :jb]zL d'b|fljb]zL d'b|f ?=df

o; jif{ ?= ut jif{ ?=ef=? kl/jTo{ lj=d' hDdf

1= :jb]zL Ohfhtkq

k|fKt ;+:yfx? 74,59,56,798 74,59,56,798 38,15,44,418

s= rNtL vftf

v= cGo vftf 74,59,56,798 74,59,56,798 38,15,44,418

2= ljb]zL a}+sx? – – –

s= rNtL vftf

v= cGo vftf

hDdf 74,59,56,798 74,59,56,798 38,15,44,418 gf]6M s'n a}+s÷ljQLo ;+:yfdf /x]sf] df}Hbft ¿=&$,&&,##,)&)÷– dWo] ;d:of u|:t ljQLo ;+:yfx?df /x]sf]

lgIf]k ?=!&,&^,@&@÷– sf] ztk|ltzt gf]S;fgL Aoj:yf sfod ul/ ¿=&$,%(,%^,&(*÷– v'b /sd dfq b]vfO{Psf] .




dfu tyf cNk;"rgfdf k|fKt x'g] /sdx? @)&# ;fn cfiff9 d;fGt

cg';"rL – $=!!

ljj/0f o; jif{ ¿= ut jif{ ¿=1= :jb]zL d'b|fdf* – –

2= ljb]zL d'b|fdf – –

hDdf – – * j}wflgs t/ntf cg'kft ;DaGwL Joj:yfsf] nflu


nufgL @)&# ;fn cfiff9 d;fGt

cg';"rL – $=!@

ljj/0f Jofkfl/sk|of]hgcGo

o; jif{ -¿=_ ut jif{ -¿=_

!= g]kfn ;/sf/sf] 6«]h/L ljn – – – –

@= g]kfn ;/sf/sf] art kq – – – –

#= g]kfn ;/sf/sf] cGo C0fkq – – – –

$= g]=/f= a}+s C0fkq – – – –

%= lab]zL C0f kq – – – –

^= :ab]zL Ohfhtkq k|fKt ;+:yf -d'2lt /l;b_ – – – –

&= lab]zL a}+s – – – –

*= ;+ul7t ;:yfx?sf] z]o/ 6,77,18,280 6,77,18,280 11,10,86,780

(= ;ul7t ;+:yfx?sf] l8j]Gr/ tyf aG8 – – – –

!)= cGo nufgL – – – –

s'n nufgL – 6,77,18,280 6,77,18,280 11,10,86,780 Joj:yf 32,03,424 32,03,424 31,76,596

v'b nufgL – 6,45,14,856 6,45,14,856 10,79,10,184




z]o/, l8j]Gr/ tyf a08df nufgL @)&# ;fn cfiff9 d;fGt cg';"rL – $=!@ -s_

ljj/)f k/n df]n ¿=ahf/ d"No cg';f/ ¿

Joj:yf /sd ¿

o; jif{ ¿= ut jif{ ¿=

!= z]o/ nufgL 6,77,18,280 19,49,01,599 32,03,424 6,45,14,856 10,79,10,184

!=! lrlnd] xfO8«f]kfj/ sDkgL ln= – – –

!#,))* ;fwf/0f z]o/ -af]g; z]o/ ;d]t_ k|lt z]o/

?=!,^%& n] r'Qmf 2,15,52,695 1,87,31,520 28,21,175 1,87,31,520 1,90,36,413

!=@ k||fOd nfOkm OG;'/]G; sDkgL ln= – – –

#,**$;fwf/0f z]o/ k|lt z]o/ ?=@,@@% n] r'Qmf 86,41,201 85,44,800 96,401 85,44,800 37,23,254

!=# PgPnhL OG;'/]G; sDkgL ln= – –

#!,($^ v ju{sf] z]o/ -af]g; z]o/ ;d]t_ k|lt z]o/

?=^( n] r'Qmf 21,97,885 3,14,66,810 21,97,885 21,97,635

!=$ g]zgn nfOkm OG;'/]G; sDkgL ln= – – –

),$%) ;+:yfks z]o/ -af]g; z]o/ ;d]t _k|lt z]o/

?=!%! n] r'Qmf 90,99,539 10,60,89,750 90,99,539 90,99,995

!=% sflnsf dfOqmf] s|]l86 n3'ljQ ljsf; a}+s ln= – – –

*@ ;fwf/0f z]o/ k|lt z]o/ ?=!)) n] r'Qmf 8,200 1,84,500 8,200 8,200

!=^ gfuj]ln n3';jQ ljsf; – – –

#* ;fwf/0f z]o/ k|lt z]o/ ?=&( n] r'Qmf 3,000 1,67,200 3,000 2,200

!=& g]kfn lSnol/ª xfp; ln= – – –

!),*@* ;fwf/0f z]o/ k|lt z]o/ ?=!)) n] r'Qmf 10,82,800 10,82,800 – 10,82,800 10,82,800

!=* l/l2 xfO{8f]kfj/ sDkgL ln= – – – –

@)^ ;fwf/0f z]o/ -af]g; z]o/ ;d]t _ k|lt z]o/ ?=(!

n] r'Qmf 18,800 76,838 18,800 18,800

!=( ;f]N6L xf]6]n – – – –

*,%$@ ;fwf/0f z]o/ -af]g; z]o/ ;d]t _ k|lt z]o/ ?=#!)

n] r'Qmf 26,51,409 32,03,250 26,51,409 53,42,293

!=!) nIdL n3' ljQ – – –

$! ;fwf/0f z]o/ k|lt z]o/ ?=!)) n] r'Qmf 4,100 1,37,555 4,100 4,100

!=!! nIdL Do"rn km08 –

^,*!,(#& ;fwf/0f z]o/ k|lt z]o/ ?=!) n] r'Qmf 68,81,703 88,51,542 68,81,703 64,32,210

!=!@ hgpYyfg n3' ljQ –

!) ;fwf/0f z]o/ k|lt z]o/ ?=!)) n] r'Qmf 1,000 7,070 1,000 1,000

!=!# j?0f xfO{8f]kfj/ sDkgL ln= –

!) ;fwf/0f z]o/ k|lt z]o/ ?=!)) n] r'Qmf 1,000 4,950 1,000 1,000

!=!$ hnljB't nufgL tyf lasf; sDkgL ln= –

@,*(^ ;fwf/0f z]o/ k|lt z]o/ ?=!)) n] r'Qmf 2,89,600 12,53,968 2,89,600



!=!% gf+bL xfO{8f]kfj/ sDkgL ln= –

%&( ;fwf/0f z]o/ k|lt z]o/ ?=!)) n] r'Qmf 57,900 57,900 – 57,900

!=!^ lk|ldo/ OG;'/]G; sDkgL ln= –

@,!@@ ;fwf/0f z]o/ k|lt z]o/ ?=@@)! n] r'Qmf 46,70,140 46,79,010 46,70,140

!=!& lzv/ OG;'/]G; sDkgL ln= –

@,(^$ ;fwf/0f z]o/ k|lt z]o/ ?=#,#$% n] r'Qmf 99,15,884 96,30,036 2,85,848 96,30,036

!=!* o"gfO6]8 OG;'/]G; sDkgL ln= –

%^) ;fwf/0f z]o/ k|lt z]o/ ?=!,!#* n] r'Qmf 6,37,325 7,28,000 6,37,325

!=!( d]/f] dfOs|f] kmfOgfOG; ln= – – –

$! ;fwf/0f z]o/ k|lt z]o/ ?=!)) n] r'Qmf 4,100 4,100 – 4,100

!=@) Pl;og nfOkm OG;'/]G; sDkgL ln= 57,66,244

!=@! a'6jn kfj/ sDkgL ln= – – 73,44,151

!=@@ u'/fF; nfOkm OG;'/]G; sDkgL ln= – – 16,08,648

!=@# glan Aofn]G; km08 – – 35,98,601

!=@$ g]kfn OG;'/]G; sDkgL ln= – – 32,51,459

!=@% g]kfn 6lnsd sDkgL ln= – – – 24,61,320

!=@^ l5d]s n3';jQ ljsf; – – 8,46,874

!=@& g]kfn nfOkm OG;'/]G; – – 84,63,313

!=@* ;"o{ nfOkm OG;'/]G; sDkgL ln= – – 22,86,693

!=@( km:6{ dfOs|f] kmfOgfG; n3'ljQ ljsf; a}+s ln= – – 30,17,910

!=#) k|'8]lG;on OG;'/]G; sDkgL ln= – – 3,99,644

!=#! ?/n dfOs|f] kmfOgfG; sDkgL ln= – – 21,39,885

!=#@ nfOkm OG;'/]G; skf]{[/];g – – – 64,14,227

!=## ;fgf ls;fg ljsf; a}+s ln – – – 33,79,145

!=#$ l;4fy{ Oso"tL – – 73,72,170

!=#% Pg=Pd=lj=z'nj – – 26,10,000

hDdf – – – – 10,79,10,184

2= l*j]Gr/ tyf j)* nufgL

@=! ====== sDkgL -k|f=ln=÷ln=_

====== k|ltzt l8j]Gr/÷j08 k|lt l8j]Gr/÷a08 ===== ¿= n]

@=@ =================

@=# ==================

s'n nufgL 6,77,18,280 19,49,01,599 32,03,424 6,45,14,856 10,79,10,184

3= hf]lvd ;DaGwL Joj:yf 32,03,424

#=! ut jif{ ;Ddsf] Joj:yf 31,76,596

#=@ o; jif{sf] yk 26,828

s'n Joj:yf 32,03,424 19,49,01,599 32,03,424 6,45,14,856 10,79,10,184

gf]6

!=;"rLs[t gePsf] z]o/df ePsf] nufgLsf] xsdf pQm z]o/sf] k/n d"NonfO{ g} ahf/ d"No dflgPsf] 5 .



l/nfoG; kmfOgfG; lnld6]8lj h] ejg, k|bz{gL dfu{, sf7df8f}+Jofkfl/s nufgL (Held for Trading)

@)&# ;fn cfiff9 d;fGt cg';"rL – $=!@=!.

ljj/0f k/n d"Nokl5Nnf] ahf/ d"No -s_

xfnsf] ahf/ d"No -v_

o; jif{ sf]if gfkmf÷

-gf]S;fg_ /sd -v–s_

ut jif{ gfkmf÷ -gf]S;fg_ /sd

s}lkmot

1= g]kfn ;/sf/sf] «]h/L ljn – – – – – –2= g]kfn ;/sf/sf] jrtkq – – – – – –3= g]kfn ;/sf/sf] cGo C)fkq – – – – – –4= g]= /f= a}+ssf] C)fkq – – – – – –5= ljb]zL C)fkq – – – – – –6= :jb]zL Ohfhtkqk|fKt ;+:yfsf] z]o/ – – – – – –7= :jb]zL Ohfhtkqk|fKt ;+:yfsf] l*j]Gr/ tyf a)* – – – – – –8= :jb]zL ;+ul&t ;+:yfsf] z]o/, l*j]Gr/ tyf a)* – – – – – –9= ljb]zL a}+s nufgL (Placement) – – – – – –10= Interbank Lending – – – – – –11= cGo nufgL – – – – – –

s'n nufgL – – – – – –


e'QmfgL ldlt;Dd wf/0f ug]{ nufgL (Held to Maturity) @)&# ;fn cfiff9 d;fGt cg';"rL – $=!@=@

ljj/0fk/n d"No-s_

xfn ;Ddsf] Iflt /sd

-v_

o; jif{sf]Iflt /sd

-v_

o; jif{ gfkmf÷-gf]S;fg_ /sd -s–v–u_


s}lkmot

1= g]kfn ;/sf/sf] «]h/L ljn – – – – – –2= g]kfn ;/sf/sf] jrtkq – – – – – –3= g]kfn ;/sf/sf] cGo C)f kq – – – – – –4= g]= /f= a}+ssf] C)fkq – – – – – –5= ljb]zL C)fkq – – – – – –6= :jb]zL Ohfhtkqk|fKt ;+:yfsf] z]o/ – – – – – –7= :jb]zL Ohfhtkqk|fKt ;+:yfsf] l*j]Gr/ tyf a)* – – – – – –8= :jb]zL ;+ul&t ;+:yfsf] z]o/, l*j]Gr/ tyf a)* – – – – – –9= ljb]zL a}+s nufgL (Placement) – – – – – –10= cGo nufgL – – – – – –

s'n nufgL – – – – – –


laqmLsf] nflu pknAw nufgL (Available for Sale) @)&# ;fn cfiff9 d;fGt cg';"rL – $=!@=#

ljj/0f k/n d"Nokl5Nnf] ahf/ d"No

-s_xfnsf] ahf/ d"No

-v_

o; jif{ sf]if ;dfof]hg /sd

-v–s_


s}lkmot

1= g]kfn ;/sf/sf] «]h/L ljn – – – – – –2= g]kfn ;/sf/sf] jrtkq – – – – – –3= g]kfn ;/sf/sf] cGo C)f kq – – – – – –4= g]= /f= a}+ssf] C)fkq – – – – – –5= ljb]zL C)fkq – – – – – –6= :jb]zL Ohfhtkqk|fKt ;+:yfsf] z]o/ – – – – – –7= :jb]zL Ohfhtkqk|fKt ;+:yfsf] l*j]Gr/ tyf a)* – – – – – –8= :jb]zL ;+ul&t ;+:yfsf] z]o/, l*j]Gr/ tyf a)* 6,77,18,280 17,86,30,036 19,49,01,599 – – –9= ljb]zL a}+s nufgL (Placement) – – – – – –10= cGo nufgL – – – – – –

s'n nufgL 6,77,18,280 17,86,30,036 19,49,01,599 – – –



l/nfoG;

kmfO

gfG;

lnld


shf{,

;fk6

tyf laN

; vl/b

juL{s

/0f /

;f]sf] nflu

Joj

:yf

@)&# ;fn cfiff9 d;fGt

cg';"rL – $=!#

ljj/0f

shf{

vl/b tyf

l8:sfp06 u/LPsf

lan

o; jif{ ¿

ut jif{ ¿=

:jb]zL

ljb]zL

hDdf

:j]b]zLljb]zL

hDdf

k|f=If]=÷ljkGg ju{

cGo

ljldt

cljldt

!= ;

lqmo

shf{ ;fk6

(Per

form

ing)

7

,76,97

,252

1

,97,98

,83,64

5 –

2,05

,75,80,898

–

–

–

2,05,75

,80,8

98

1,51,50

,47,856

!=!

c;n

7,76,97

,252

1

,93,96

,00,890

2

,01,72

,98,142

2,01,72

,98,142

1,4

3,30

,57,76

0 !=@

;'Id

lgu

/fgL

4,02,82,75

5 4

,02,82,75

5 4

028

2,75

5 8

,19,90,096

@=

lgl:qmo

shf{ ;fk6

(Non

Per

form

ing)

1

0,77

,300

5

,16,60

,054

5

,27,37

,354

5

,27,37

,354

5

,98,8

0,833

@=!

k'g/;

+/rgf

÷k'g

tf{ln

sLs

/0f

–

–

@=@

sd;n

1,00,4

3,24

7 1

,00,43,24

7 1

,00,4

3,24

7 1

,32,88,000

@=#

z+sf:kb

–

–

–

@=$

v/fa

10,77

,300

4

,16,16

,806

4

,26,94

,106

4

,26,94,106

4,65,92

,833

-s

_ s

'n shf

{ 7

,87,

74,552

2

,03,15

,43,69

9 2

,11,03

,18,

252

–

–

–

2,11,03

,18,

252

1,57,

49,28,

690

#= s

hf{ gf

]S;fg

L Jo

j:yf

#=!

c;n

7,76,97

3 1

,93,96

,009

2

,01,72

,981

2,01,72

,981

1,4

3,30

,582

#=@

z'Id

lgu

/fgL

16,11

,310

1

6,11

,310

1

6,11

,310

1

6,39

,802

#=#

k'g/;

+/rgf

÷k'g

tf{ln

sLs

/0f

#=$

sd;n

25,10

,812

2

5,10

,812

2

5,10

,812

–

#=%

z+sf:kb

–

–

–

33,22

,000

#=^

v/fj

10,77

,300

4

,16,16

,806

4

,26,94

,106

4

,26,94

,106

4

,65,92

,833

#=&

yk 2

3,40,00

0 2

3,40,00

0 2

34,0,000

1

3,00

,000

-v_ s'n

Joj:

yf 18,

54,273

6

,74,

74,937

–

6

,93,29

,210

–

–

–

6

,93,29

,210

6

,71,85

,217

$= ut

jif{;

Ddsf] Jo

j:yf

$=!

c;n

6,52,62

0

1,36,77

,958

1

,43,30

,582

1,4

3,30

,582

1,30,31

,780

$=@

;'Id

lgu

/fgL

16,39

,802

16,39

,802

1

6,39

,802

–

$=#

k'g;+/r

gf ÷

k'gtf

{lnsLs

/0f

$=$

sd;n

–

–

–

–

29,07

,410

$=%

z+sf:kb

–

33,22

,000

3

3,22

,000

3

3,22

,000

55,04,611

$=^

v/fj

3,31,840

4,62,60

,993

4

,65,92

,833

4

,65,92,833

3

,42,03

,220

$=&

yk 1

3,00,000

13,00,000

13,00,000

17,13

,639

-u

_ ut

jif{;

Ddsf] s'n

Joj:

yf 9

,84,

460

6,62,00

,757

–

6

,71,85

,217

–

–

–

6

,71,85

,217

5

,73,60

,660

-#

_ ut

aif{s

f] Jo

j:yf

af^ lkmtf{

–

-ª_ o;

aif{s

f] yk

Joj

:yf

8,69,81

3 127

4,18

0 –

2

1,43

,993

2

1,43

,993

9

8,24

,553

o;

jif{

sf] yk

#^ 8

,69,81

3 127

4,18

0 –

2

1,43

,993

2

1,43

,993

9

8,24

,553

v'b

shf

{ -s–v

_ 7

,69,20

,280

1,96,40

,68,

762

–

2,04,

09,8

9,04

2

–

–

– 2

,04,

09,8

9,04

2 1,50,77

,43,47

7




shf{, ;fk6 / ljN; v/Lbsf] ;'/If0f@)&# ;fn cfiff9 d;fGt

cg';"rL – $=!# -s_

ljj/0f o; jif{ ¿= ut jif{ ¿=1= ;'/lIft 2,11,03,18,252 1,57,49,28,690 != rn÷crn ;DklQsf] ;'/If0fdf 2,08,49,59,045 1,56,90,70,581

@= :jb]zL Ohfhtkq k|fKt ;+:yfsf] hdfgtdf

#= ;/sf/L hdfgtdf

$= cGt/f{li6«o >]0fLs[t a}+ssf] hdfgtdf

%= lgof{t sfuhft (Export Document) sf] ;'/If0fdf

^= d'2tL /;Lbsf] ;'/If0fdf 2,53,59,207 58,58,109

-s_ ;+:Yffsf] cfkm\g} d'2tL /;Lbsf] ;'/If0f 2,53,59,207 58,58,109

-v_ cGo Ohfhtkq k|fKt ;+:yfsf] d'2tL /;Lbsf] ;'/If0f

&= ;/sf/L C0fkqsf] ;'/If0fdf

*= sfp06/ hdfgtdf

(= JolQmut hdfgtdf

!)= cGo ;'/If0fdf

v= c;'/lIfthDdf 2,11,03,18,252 1,57,49,28,690



l/nfoG;

kmfO

gfG;

lnld


l:y/

;Dk

lQ @)&# ;fn cfiff9 d;fGt

cg';"rL – $=!$

ljj/0f

;DklQ

o; jif{ ¿=

ut jif{ ¿

ejg

kl/jxg ;fwg

d]lzg/L

sfof{no ;fdfg

cGo

1= k

/ndf

]n

–

-s

_ ut j

if{sf] df}Hbft

– 1

,10,8

6,21

8

88,75,083

96,02,468

9

,44,107

3,05,07,876

2

,22,70

,940

-v

_ ut j

if{sf] /s

d ;

dfo

f]hg -nf]6;_

–

-7,26

,562

_

-u

_ o; j

if{ yk

5,15,11

7 3

0,510

5

,45,62

7 9

9,77,61

8

-3

_ o; j

if{sf] k'g

d{"No

fÍg÷k'g

n]{vg

–

-ª_ o; j

if{sf] ljqmL

– -17

,92,58

8_

-1,13

,678

_ -19

,06,26

6_ -10

,14,120

_

-r

_ o; j

if{sf] ckn

]vg

–

s'n -s±v

±u±#

±ª±r

_ k/

ndf

]]n –

9

2,93

,630

9

2,76

,522

9

6,32

,978

9

,44,

107

2,91,47

,237

3

,05,07

,876

2

= x|f; s

§L–

-s_ ut j

if{;Dd

sf]

– 4

9,24,069

4

4,8

8,964

5

1,32

,595

8,11,812

1

,53,57

,440

1,20,94,8

83

-v_ o; a

if{sf]

– 1

0,34,4

72

12,42,491

9,14,926

2

4,179

3

2,16

,068

3

2,62

,556

-u_ x|f;s§L k

'gd"{No

fÍg÷k'g

n]{{vg

–

-3_ x|f;s§L /

sd ;

dfo

f]hg÷lkmt

f{ –

-8,02,801_

-80,255

_ -8,8

3,056

_

s'n x

||f;s§L

–

5

1,55

,740

5

6,51

,200

6

0,47

,520

8

,35,99

1 1,7

6,90

,452

1,53,57

,440

#= a

's Eofn

' (W

DV

*) -!–@

–#_

–

41,37

,890

36,25

,322

3

5,85,458

1

,08,116

1

,14,56,78

5 1

,51,50

,436

$= hUu

f–

%= k

"“hLu

t lgdf{0f -k"“hLs

/0f u/Lg' k

g]{_

–

^= n

Lh x

f]N8 ;

DklQ

– 5

5,25

,013

5

5,25

,013

7

5,30

,510

hDd

f -4

±5±6

_ –

4

1,37

,890

3

6,25

,322

3

5,85

,458

5

6,33

,129

1,69,81

,798

2

,26,80

,946




u}/ a}lsË ;DklQ @)&# ;fn cfiff9 d;fGt

cg';"rL – $=!%

C0fL jf kf6L{sf] gfd 7]ufgf

u}/ a}+lsË ;DklQ ;sf/ u/]sf] ldlt

s'n u}/ a}+lsË ;DklQ ljj/0f

gf]S;fgL Joj:yf v'b u}/ a}+lsË ;DklQ ¿=

ut jif{ ¿k|ltzt /sd ¿=

sljtf v8sf,uf]7f6f/,sf7df8f}+ 2073÷03÷31 34,67,419 100 34,67,419 – –

s'n hDdf 34,67,419 100 34,67,419 – –


cGo ;DklQ @)&# ;fn cfiff9 d;fGt

cg';"rL – $=!^ljj/0f o; jif{ ¿= ut jif{ ¿=

!= d;nGb df}Hbft 3,65,390 3,67,983

@= nufgLdf c;'n ug{ af“sL cfDbfgL

#= shf{df c;'n ug{ af“sL Aofh 2,59,29,773 2,41,91,115 Go"g Jofh d'NtjL /sd -2,59,29,773_ – -2,12,30,442_

$= c;"n ug{ af“sL sldzg%= ;G8«L 8]6;{ 38,31,618 33,06,126 ^= sd{rf/L ;fk6L / k]ZsL 1,16,10,991 71,00,426 &= clu|d e'QmfgL 51,33,833

s= cGo 12,44,661 10,45,849 v= l6=l8=P;=÷clu|d cfos/ 10,44,704 10,13,106 u= nf]6; kmfOgfG;sf] clu|d cfos/ 28,44,468 28,44,468

*= dfu{:y gub(= dfu{:y cGo -r]s ;d]t_!)= ljgf ;"rgf 8«fk\m6sf] e'QmfgL!!= ckn]vg x'g af“sL vr{ 18,02,141

s= ckn]vg x'g afsL k"j{;+rfng vr{ Go"g ckn]vg (Amortization)v= ckn]vg x'g afsL vr{ (Software) 24,40,556 29,79,270 Go"g ckn]vg (Amortization) -6,38,415_ -5,38,713_

!@= zfvf ldnfg lx;fj !#= :yug s/ ;DklQ 15,04,810 18,29,615 !$= cGo 5,34,000 5,34,000

hDdf 2,47,82,783 2,34,42,803




cGo ;DklQ -yk ljj/0f_ @)&# ;fn cfiff9 d;fGt

cg';"rL – $=!^ -s_

ljj/0f

o; jif{sf] ¿=

hDdf ut jif{ ¿=! jif{ ;Dd

! jif{ b]lv # jif{;Dd

# jif{eGbf dfly

1= shf{df c;'n ug{ afFsL Aofh 2,59,29,773 – – 2,59,29,773 2,41,91,115

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

3= zfvf ldnfg lx;fj – – – – –

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


;Defljt bfloTjx? @)&# ;fn cfiff9 d;fGt

cg';"rL – $=!& ljj/0f o; jif{ ¿= ut jif{ ¿=!= ;+:yf pk/ bfjL k/]sf] t/ ;+:yfn] bfloTj :jLsf/ gu/]sf] – –@= k|lttkqx¿ -dflh{g g36fO{ k"/f /sd_ – – -s_ ^ dlxgf eGbf sd cjlwsf] – – -v_ ^ dlxgf eGbf a9L cjlwsf] – –#= k"gM l8:sfpG6 u/LPsf ljnx¿ – –$= Dofb gfl3 g;s]sf] Uof/]G6L÷a08 – – -s_ la8 a08 – – -v_ k/km/d]G; a08 94,44,702 –

-u_ cGo Uof/]06L÷a08 – –%= r'Qmf jf e'Qmfg x'g af+sL z]o/ nufgL – –^= km/jf8{ PS:r]~h sG6«fS6sf] af+sL bfloTjx¿ – –&= sn]S;gdf /x]sf lanx¿ – –*= d~h"/L tyf ;dy{g (Acceptence & Endorsement) – –(= k|Tofe'lt k|ltj4tf (Underwriting Commitment) – –

!)= ckl/jTo{ shf{ k|ltj4tf (Irrevocable Loan Commitment) – –!!= cGt/f{li6«o >]0fLs[t a}+ssf] sfp06/ Uof/]06Ldf lbPsf] Uof/]06L – –!@= clu|d e'QmfgL Uof/]06L (Advance Payment Guarantee) – –!#= shf{ k|jfxsf] nflu ljQLo hdfgt (Financial Guarantee) – –!$= cfos/ jfkt ;Defljt bfloTj (Contingent Liabilities on Income Tax) – –!%= ======================= – –

hDdf 94,44,702 –




Jofh cfDbfgLldlt 2072 >fj)f 1 b]lv 2073 cfiff( 31 ;Dd

cg';"rL – $=!*


s= shf{ ;fk^ / clwljsif{df 22,15,10,838 19,27,01,569

!= shf{ ;fk6 22,15,10,838 19,27,01,569

@= clwljsif{

v= nufgLdf – 2,58,904

!= g]kfn ;/sf/sf] ;'/If0fkq – 2,58,904

-s_ 6]«h/L laN;

-v_ ljsf; C0fkq 2,58,904

-u_ /fli6«o art kq

@= ljb]zL C0fkq

-s_

-v_

#= g]kfn /fi6« a}+ssf] C0fkq – –

$= l8j]Gr/ tyf a08

%= cGt/ a}+s nufgLdf Aofh – –

-s_ a}+s÷ljQLo ;+:yfx?

-v_ cGo ;+:yfx?

u= Ph]G;L df}Hbftdf 2,27,20,205 2,65,96,243

!= :jb]zL a}+s÷ljQLo ;+:yfx¿ 2,27,20,205 2,65,96,243

@= ljb]zL a}+sx¿

#= dfu tyf cNk ;"rgfdf k|fKt x'g] df}Hbftdf – –

!= :jb]zL a}+s÷ljQLo ;+:yfx¿

@= ljb]zL a}+sx¿

ª= cGodf – –

!= ;l6lkms]6 ckm l8kf]lh6

@= cGt/ a}+s÷ljQLo ;+:yf shf{ – –

#= cGo – –

hDdf 24,42,31,043 21,95,56,716




Jofh vr{ldlt 2072 >fj)f 1 b]lv 2073 cfiff( 31 ;Dd

cg';"rL – $=!(


s= lgIf]k bfloTjdf 14,23,50,233 13,06,73,473

1= d'2tL lgIf]k 4,26,68,886 5,59,04,357

!=! :jb]zL d'b|f 4,26,68,886 5,59,04,357

!=@ ljb]zL d'b|f

@= art lgIf]k 9,96,81,347 7,47,69,116

@=! :jb]zL d'b|f 9,96,81,347 7,47,69,116

@=# ljb]zL d'b|f

#= dfu]sf] avt ltg'{kg]{ lgIf]k – –

#=! :jb]zL d'b|f – –

#=@ ljb]zL d'b|f

$= ;l6{lkms]6 ckm l8kf]lh6;\

v= shf{ ;fk^df – –

!= C0fkq tyf a08

@= g]kfn /fi6« a}+saf6 k|fKt shf{

#= cGt/ a}+s÷ljQLo ;+:yf shf{

$= cGo ;+ul7t ;+:yf

%= cGo shf{

u= cGodf – –

! = =============

@ = ==============

hDdf 14,23,50,233 13,06,73,473




sldzg tyf l8:sfpG6ldlt 2072 >fj)f 1 b]lv 2073 cfiff( 31 ;Dd

cg';"rL – $=@)

ljj/0f o; jif{ ¿= ut jif{ ¿=s= laN; v/Lb tyf l*:sfpG^ – –

1= :jb]zL – –

2= ljb]zL – –

v= sldzg 15,52,425 5,34,854 1= k|lttkq – –

2= hdfgtkq – –

3= sn]S;g kmL – –

4= /]ld^]G; kmL – –

5= q]ml*^ sf*{ – –

6= z]o/ k|Tofe"lt÷lgisfzg – –

7= ;/sf/L sf/f]af/ jfkt – –

8= O=k|f= sldzg jfkt 15,52,425 5,34,854 9= a§f cfDbfgL – –

u= cGo – –

hDdf 15,52,425 5,34,854


cGo ;+rfng cfDbfgLldlt 2072 >fj)f 1 b]lv 2073 cfiff( 31 ;Dd

cg';"rL – $=@!

ljj/0f o; jif{ ¿= ut jif{ ¿=!= ;]km l8kf]lh6 eN6sf] ef8f

@= q]ml86sf8{ lgisfzg tyf gjLs/0f

#= ATM sf8{ lgisfzg tyf gjLs/0f

$= 6]n]S;÷l6=l6=

%= ;]jf z'Ns 2,11,29,780 1,17,30,520

^= gjLs/0f z'Ns

&= cGo 42,13,406 25,19,029

hDdf 2,53,43,186 1,42,49,549




;6xL 36a9 cfDbfgL÷gf]S;fgldlt 2072 >fj)f 1 b]lv 2073 cfiff( 31 ;Dd

cg';"rL – $=@@

ljj/0f o; jif{ ¿= ut jif{ ¿=-s_ ljlgdo b/df ePsf] km/saf^ – –

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

hDdf cfDbfgL÷-gf]S;fg_ – –


sd{rf/L vr{ldlt 2072 >fj)f 1 b]lv 2073 cfiff( 31 ;Dd

cg';"rL – $=@#


!= tnj 1,27,06,904 1,05,68,909

@= eQf 36,57,163 30,76,751

#= ;+rosf]ifdf yk 11,39,850 9,93,274

$= tflnd vr{ 21,950 36,725

%= kf]zfs 4,65,421 336,926

^= cf}if]wf]krf/

&= aLdf 1,70,979 1,40,098

*= k]G;g tyf pkbfg Joj:yf 6,84,263 5,19,892

(= cGo 30,43,667

s= bz}+ vr{ 13,57,445 10,63,780

v= ljbf afktdf] tna 3,89,991 4,95,602

u= ljbf jfktsf] tna Joj:yf 6,99,412 4,76,370

3= cGo 5,96,819 6,93,861

hDdf 2,18,90,197 1,84,02,188




cGo ;~rfng vr{ ldlt 2072 >fj)f 1 b]lv 2073 cfiff( 31 ;Dd cg';"rL – $=@$

ljj/0f o; jif{ ¿= ut jif{ ¿=!= 3/ef8f 48,52,364 38,44,685 @= aQL ljh'nL / kfgL 7,64,234 7,13,045 #= dd{t tyf ;Def/ 5,12,441

-s_ ejg =============-v_ ;jf/L ;fwg ============= 75,448 2,36,516

-u_ sfof{no pks/0f 2,71,929 1,96,298 -3_ cGo ==== 1,65,064 1,79,263 $= aLdf 6,65,100 7,45,895 %= kf]i6]h, 6]n]S;, 6]]lnkmf]g, k\mofS; 7,15,565 4,66,609 ^= sfof{no pks/0f kmlg{r/ / ;Def/ 6,500 2,680 &= e|d0f eQf / vr{ 8,42,004 9,23,627 *= d;nGb / 5kfO{ 6,10,048 6,23,934 (= kqklqsf tyf k':ts 48,310 43,120 !)= lj1fkg 5,62,416 8,92,160 !!= sfg"gL vr{ 84,000 !@= rGbf 44,900 384,200 !#= ;~rfns ;ldlt ;DaGwL vr{ 7,45,281 -s_ a}7s eQf 5,92,220 5,80,800 -v_ cGo vr{ 1,53,061 1,30,117 !$= ;fwf/0f ;ef ;DaGwL vr{ 4,78,296 3,78,581 !%= n]vf k/LIf0f ;DaGwL 6,78,000

-s_ a}wflgs n]vf kl/If0f z'Ns 3,39,000 2,26,000 -v_ cfGtl/s n]vf kl/If0f z'Ns 3,39,000 70,000 !^= /sd :yfgfGt/0f sldzg – – !&= :yL/ ;DklQdf x|f; s§L 32,16,068 32,62,556 !*= k"j{ ;~rfng vr{ ckn]vg!(= z]o/ lgisfzg vr{ 12,40,487 4,52,857 @)= k|fljlws ;]jf ;f]wegf{ 17,32,910 16,07,820 21= dgf]/~hg tyf cltly ;Tsf/ vr{ 3,87,046 2,28,193 22= ckn]vg vr{ 26,46,467 -s_ ;k\m6j]o/ 6,38,415 5,38,713 -v_ k6\6f lasf; vr{ 20,05,498 18,71,326 -u_ cGo 2,554 23= ;'/Iff vr{ 21,38,070 13,70,879 24= shf{ ;'/If0f lk|ldod25= sldzg / l8:sfp06 – – 26= cGo 55,68,808 -s_ ;b:otf z'Ns 5,27,930 3,79,418 -v_ sfof{no tyf vfhf vr{ 10,56,271 7,46,903 -Uf_ OGwg tyf kl/jxg 13,00,270 16,23,595 -3_ ;]jf z'Ns – – -ª_ Joj;fo k|j{4g vr{ 6,97,374 4,97,373

-r_ ;+:yf z'ef/De vr{ 2,42,165 -5_ l;= cfO{= la= 6,05,100 3,59,100

-h_ cGo 13,81,863 14,27,393 hDdf 2,84,55,315 2,53,29,821




;Defljt gf]S;fgL Joj:yfldlt 2072 >fj)f 1 b]lv 2073 cfiff( 31 ;Dd

cg';"rL – $=@%

ljj/0f o; jif{ ¿= ut jif{ ¿=! shf{ gf]S;fgL Aoa:yfdf ePsf] a[l4 21,43,993 98,24,553

@= nufgL gf]S;fgL Aoa:yfdf ePsf] a[l4 26,828 29,52,382

#= u}/ a}+lsu ;DklQ gf]S;fgL Aoa:yf 34,67,419

$= cGo ;DklQdf u/LPsf] Joj:yf – 805

hDdf 56,38,240 1,27,77,740


u}/ ;~rfng cfDbfgL÷gf]S;fgldlt 2072 >fj)f 1 b]lv 2073 cfiff( 31 ;Dd

cg';"rL – $=@^


!= nufgL laqmLaf6 cfDbfgL÷-gf]S;fg_ 6,18,58,674 1,77,01,297

@= ;DklQ laqmLaf6 cfDbfgL÷-gf]S;fg_ -19,323_ 6,39,879

#= nfef+z 13,25,392 17,22,025

$ g]kfn /fi6« a}+saf6 k|fKt ;x'lnot

s= tf]lsPsf] zfvfx¿sf] gf]S;fg jfkt Ifltk"lt{

v= Aofh Ifltk"lt{

u= ;6xL sfpG6/

%= cGo

s= u}/ a}+lsË ;DklQ ljqmLaf6 cfDbfgL ÷ -gf]S;fgL_ -647_ 10,40,520

v'b u}/ ;+rfng cfDbfgL÷-gf]S;fg_ 6,31,64,096 2,11,03,721




;Defljt gf]S;fgL Joj:yfaf6 lkmtf{ ldlt 2072 >fj)f 1 b]lv 2073 cfiff( 31 ;Dd cg';"rL – $=@&

ljj/0f o; jif{ ¿= ut jif{ ¿=! shf{ gf]S;fgL Joj:yfaf^ lkmtf{ – –

@= u}/ a}+lsª ;DklQ gf]S;fgL Joj:yfaf^ lkmtf{ – 29,37,025

#= nufgL Joj:yfaf^ lkmtf{ – –

$= cGo ;DklQsf] Joj:yfaf^ lkmtf{ 16,598 –

hDdf 16,598 29,37,025


c;fdfGo sf/f]af/x?af6 ePsf] cfDbfgL÷vr{ ldlt 2072 >fj)f 1 b]lv 2073 cfiff( 31 ;Dd cg';"rL – $=@*

ljj/0f o; jif{ ¿= ut jif{ ¿=! ckn]vg ePsf] shf{sf] c;"nL – –

@= :j]lR%s cjsfz vr{ – –

#= c;"nL x'g g;s]sf] shf{sf] ckn]vg -4=28s_ – –

$= cGo cfDbfgL÷-vr{_ – –

hDdf – –


ckn]lvt shf{sf] ljj/0f ldlt 2072 >fj)f 1 b]lv 2073 cfiff( 31 ;Dd cg';"rL – $=@* -s_

shf{ k|sf/ckn]vg ul./Psf]

/sdlwtf]sf] k|sf/ tyf /.sd

lwtf] d"Nof+sgsf] cfwf/

shf{ :jLs[t ug[] clwsf/L÷tx

shf{ c;"nLsfnflu ePu/]sf k|of;

s}lkmot

rfn" k"FhL shf{

kl/of]hgf shf{

:yL/ k"FhL shf{

AolQmut shf{

cGo shf{

s'n shf{

gf]6 M cfly{s jif{el/df ckn]vg u/LPsf] shf{sf] ljj/0f dfly pNn]v ug{' kg{]5 .



l/nfoG;

kmfO

gfG;

lnld


;+rfn

s,s

fo{sf/L k|d

'v,;

+:yfks,s

d{rf/L z]o/

xf]N8

/x?n

fO{ u

Psf] shf{ ;f

k6 ljj

/0f

@)&# ;fn cfiff9 d;fGt

v/Lb

tyf l8:s

fpG6

u/LPs

f ljnx?

/ s

hf{,

;fk6

tyf clwljsif{d

f k|j

flxt s

'n /sddWo

] ;+rfn

s, sfo{{{{sf/L k|d

"v, ;+:y

fks, sd{rf/L,

z]o/x

f]N8/x

?

/ lghx?

sf] kl/j

f/sf ;b:

o j

f To

:tf Jo

lQm hdfgL a;]sf] jf Dofg]lh

Ë Ph

]G6 e

Psf] s'g} ;

+:yf jf s

DkgLn

fO{ u

Psf] /s

dsf] ljj/

0f b

]xfo a

df]lh

d 5

.

cg';"rL – $=@(

;+:yfks÷;~rfns÷

sfo{sf/L k|d'vsf] gfd

ut jif{ ;Dds

f] afFsL

o; jif{sf] c;"nL

o; jif{ yk shf{

cfiff9 d;fGt ;Dd afFsL

;fFjf

Jofh

;fFjf

Jofh

;fFjf

Jofh

-s_

;~r

fns

1=–

––

––

––

2=–

––

––

––

-v_

sfo

{sf/L k|d

'v

1=–

––

––

––

2=–

––

––

––

-u_

;+:y

fks

1=–

––

––

––

2=–

––

––

––

-#_

sd{rf/L

1=–

––

––

––

2=–

––

––

––

-ª_

z]o/w

gLx?

1=–

––

––

––

2=–

––

––

––

hDd

fge

Psf]

gePs

f]ge

Psf]

gePs

f]




k"FhLsf]if tflnsf -@)&# cfiff9 d;fGt_ cg';"rL – $=#)

ljj/0f o; jif{ ¿= ut jif{ ¿=hDdf hf]lvd efl/t ;DklQ -cg';"rL 30 -s_ cg';f/ 2,53,88,22,467 1,92,01,22,967 s_ k|fylds k"FhL !_ r'Qmf k"FhL -;fwf/0f z]o/_ 44,57,14,320 32,00,00,000

@_ k|:tfljt af]g; z]o/ 6,68,57,148 7,42,85,720 #_ z]o/ lk|ldod$_ lkmtf{ gx'g] cu|flwsf/ z]o/%_ ;fwf/0f hu]8f sf]if 4,59,67,526 2,86,62,278 ^_ ;l~rt gfkmf ÷-gf]]S;fg_ 1,13,11,408 79,05,764 &_ jf;nftdf b]vfO{Psf] rfn" cf= j= sf] gfkmf gf]S;fg lx;fjsf] /sd – – *_ k"FhL lkmtf{ hu]8f sf]if(_ k"FhL ;dfof]hg sf]if!)_ sN; Og P8efG;

!!_ cGo :jtGq sf]ifx? 15,04,810 18,29,615

36fpg]– VoftL (Goodwill) jfktsf] /sd– :yug s/ ;DklQ (Defered Tax Assets) -15,04,810_– ;LdfeGbf a9L z]o/, ;'/If0fkqdf nufgL u/LPsf] /sd

– ljQLo :jfy{ /x]sf] sDkgLsf] lwtf]kqdf nufgL u/]sf] /sd – cjf:tljs ;DklQ

– o; a}+ssf] lgb]{zg kfngf gu/L :jk|of]hgsf nflu 3/hUuf vl/b u/]sf] /sd – ;LdfeGbf a9L cfjf; ejg lgdf{0f tyf hUuf ljsf;df nufgL u/]sf] /sd . – – – tf]lsPsf] ;doleq ljqmL ljt/0f ug{ g;s]sf] z]o/ k|Tofe'lt .

– k|rlnt P]g tyf sfg'gn] k|ltaGw u/]sf AolQm ty ;d"xx?nfO{ k|bfg u/]sf]

shf{ tyf ;'lawfx?hDdf k|fylds kF"hL 56,98,50,402 43,26,83,377 -v_ k"/s k"FhL

!_ c;n shf{sf] nflu u/LPsf] shf{ gf]S;fgL Joj:yf 2,17,84,292 1,59,70,380 @_ cltl/Qm shf{ gf]S;fgL Aoj:yf 23,40,000 13,00,000 #_ xfOla|8 k"FhL pks/0f$_ ;'/If0f g/flvPsf] ;xfos cfjlws C0f%_ ;6xL ;dLs/0f sf]if^_ ;DklQ k"gd"{NofÍg sf]if &_ nufgL ;dfof]hg sf]if 13,32,710 22,00,080

hDdf k'/s kF"hL 2,54,57,002 1,94,70,460 -u_ hDdf k"FhLsf]if -s±v_ 59,53,07,404 45,21,53,837 -#_ hf]lvd efl/t ;DklQsf] cfwf/df sfod ug'{kg]{ Go"gtd k"FhLsf]if k"FhLsf]if -!!=)) k|ltztn]_ 27,92,70,471 21,12,13,526

k|fylds k"FhL -%=%) k|ltztn]_ 13,96,35,236 10,56,06,763 k"FhLsf]if -clws÷Go"g_ =========== k|ltztn]_ 12=45 12=55

k|fylds k"FhL -clws÷Go"g_=========== k|ltztn]_ 16=95 17=03




hf]lvd efl/t ;DklQ ljj/0f tflnsf -@)&# cfiff9 d;fGt_ cg';"rL – $=#) -s_

jf;nft adf]lhdsf] ;DklQ ef/o; jif{ ut jif{

/sdhf]lvd efl/t

;DklQ/sd

hf]lvd efl/t ;DklQ

gub df}Hbft – 2,25,72,328 – 1,71,18,052 –

;'g -ljlgdo of]Uo_ – – – – –

g]kfn /fi6« a}+sdf /x]sf] df}+Hbft – 15,14,96,467 – 15,15,53,078 – g]kfn ;/sf/sf] C0fkqdf ul/Psf] nufgL – – – – – g]kfn /fi6« a}+s C0fkqdf ul/Psf] nufgL – – – – cfˆg} d'2tL /l;bsf] lwtf]df k"0f{ ;'/lIft x'g] u/L k|bfg ul/Psf] d'2tL /l;b lwtf] shf{ – 2,53,59,207 – 58,58,109 –

;/sf/L C0f kqsf]] lwtf]df k"0f{ ;'/lIft x'g] ul/ k|bfg ul/Psf] shf{ – – – – –

art kqsf] kfpg' kg]{ Aofh /sd (Accrued Interest) – – ljkGg ju{ shf{ cGtu{t u0fgf x'g] o'jf tyf ;fgf Aoj;foL :j/f]huf/ sf]ifdf v / u ju{sf Ohfhtkqk|fKt ;+:yfn] hDdf u/]sf] /sd – – – – :jb]zL a}+s tyf ljtLo ;+:yfx?df /x]sf] df}Hbft ÷d'2lt /l;bsf] bfjL (Claims) 20 74,77,33,070 14,95,46,614 38,33,37,288 7,66,67,458 cGo a}+s tyf laQLo ;+:yfx?sf] d'2tL /l;bsf] lwtf]df k"0f{ ;'/lIft x'g] u/L k|bfg u/]sf] d'2lt /l;b lwtf] shf{ – – – – cGo Ohfhtkq k|fKt a}+s÷ljQLo ;+:yfsf] d'2tL /l;bsf] lwtf]df k"0f{ ;'/lIft x'g] ul/ 20 – – – – k|bfg ul/Psf] d'2tL /l;b lwtf] shf{ ljb]zL a}+sx?df /x]sf] df}Hbft 20 – – – – dfu]sf] avt k|fKt x'g] /sd (Money at Call) 20 – – – – cGt/fli6«o >]l0fs[t (Rated) a}+ssf] Uof/]G6Ldf uPsf] shf{{ 20 – – – – cGt/fli6«o >]l0fs[t ( Rated) a}+sdf u/]sf] cGo nufgL 20 – – – –

cGt/ a}+s ;fk6L – – z]o/, l8j]Gr/ Pj+ j08df ePsf] nufgL 100 6,77,18,280 6,77,18,280 11,10,86,780 11,10,86,780

cGo nufgLx? 100 shf{ ;fk6 tyf ljn vl/b÷ l8:sfpG6 ;d]t -s'n /sd_ 100 2,01,80,10,470 2,01,80,10,470 1,55,50,35,640 1,55,50,35,640 l:y/ ;DklQx? 100 1,69,81,798 1,69,81,798 2,26,80,946 2,26,80,946 u}/ a}+lsË ;DklQ 100 34,67,419 34,67,419 cGo ;a} ;DklQx? -v'b cu|Ld s/ bflvnf afx]s_ 100 2,08,93,611 2,08,93,611 1,95,85,229 1,95,85,229 ;Ldf gf3]sf l/on :6]6 ÷cfjf;Lo 3/ shf{ 150 6,69,48,575 10,04,22,863 1,40,34,941 2,10,52,412

-s_ hDdf 3,14,11,81,226 2,37,70,41,055 2,28,02,90,063 1,80,61,08,464 jf;nft jflx/sf sf/f]jf/x? (Off-balance sheet Items) – – jLN; sn]S;g – – – – clu|d ljbzL ljlgod ;Demf}tf 10 – – – ^ dlxgf eGbf sd cjlwsf] k|ltt –kq -k'/} /sd_ 20 – – – – cGt/fli6«o >]l0fs[t (Rated) ljb]zL Ohfhtkqk|fKt ;+:yfsf] sfp06/ Uof/]06Ldf hf/L u/]sf] Uof/]06L 20 – – – – ^ dlxgf eGbf a9L cjlwsf] k|ltt –kq -k'/} /sd_ 50 – – – – lj8jG8, k/km/d\G; a08 / k|Tofe"lt (Underwriting) ;DaGwL k|lta4tf 50 94,44,702 47,22,351

k'g M vl/b ug]{ zt{df laqmL u/]sf] shf{ 50 – – – – clu|d e'StfgL Uof/]G6L (Advance payment Guarantee) 100 – – – –

ljQLo tyf cGo hdfgt (Financial and other Guarantee) 100 – – – –

ckl/jTo{ shf{ k|ltj¢tf (Irrevocable Loan Commitment) 100 – – – –

cfos/ jfkt ;Defljt bfloTj 100

Acceptance ;lxt cGo ;j} k|sf/sf ;Defljt bloTjx? 100 – – – –

k'g M l8:sfpG6 ul/Psf] ljnx? 100 r'Qmf jf e'Qmfg x'g afFsL ;]o/ nufgL 100

e'QmfgL nflu bfjL k/]sf] hdfgt (Unpaid Guarantee Claims) 200 – – – –

;+:yfpk/ bfjL k/]sf] t/ ;+:yfn] bfloTj :jLsf/ gu/]sf] ;Defljt bfloTj 200

;+rfng hf]lvdsf nfuL s'n ;DktLsf] cltl/Qm % k|ltzt 100 15,70,59,061 15,70,59,061 11,40,14,503 11,40,14,503

-v_ hDdf 16,65,03,763 16,17,81,412 11,40,14,503 11,40,14,503

s'n hf]lvd efl/t ;DklQsf] hDdf -s_±-v_ 3,30,76,84,989 2,53,88,22,467 2,39,43,04,566 1,92,01,22,967



l/nfoG; kmfOgfG; lnld6]8lj h] ejg, k|bz{gL dfu{, sf7df8f}+ljut % jif{sf] kl/;"rsx¿

-@)&# cfiff9 d;fGt_cg';"rL – $=#!

ljj/0f ;"rsfÍcf=j=

@)^*÷)^(cf=j=

@)^(÷)&)cf=j=

@)&)÷)&!cf=j=

@)&!÷)&@cf=j=

@)&@÷)&#

!= v'b gfkmf÷s'n cfDbfgL k|ltzt k|ltzt 5=72 8=66 21=52 19=42 31=91

@= k|lt z]o/ cfDbfgL ? 5=59 6=29 12=37 11=54 19=41

#= k|lt z]o/ ahf/ d"No ? 178=00 171=00 301=00

$= d"No cfDbfgL cg'kft (PE Ratio) cg'kft 14=39 14=81 15=51

%= z]o/ k"“hLdf nfef+z -af]g; ;lxt_ k|ltzt 4=08 8=00 20=00 15=00

^= z]o/ k"“hLdf gub nfef+; e'QmfgL k|ltzt 4=08 8=00 1=05 0=79

&= Aofh cfDbfgL ÷shf{ tyf ;fk6 k|ltzt 15=90 13=14 12=28 13=94 11=57

*= sd{rf/L vr{ ÷s'n ;`rfng vr{ k|ltzt 35=69 38=35 45=39 42=08 43=48

(= s'n lgIf]k tyf ;fk6Ldf Aofh vr{ k|ltzt 13=18 11=22 7=17 7=52 5=87

!)= ;6xL 36a6 cfDbfgL ÷s'n cfDbfgL k|ltzt

!!= sd{rf/L af]g; ÷s'n sd{rf/L vr{ k|ltzt 14=85 21=37 46=39 35=17 56=47

!@= v'b gfkmf ÷shf{ ;fk6 k|ltzt 1=20 1=42 2=91 2=89 4=10

!#= v'b gfkmf ÷s'n ;DklQ k|ltzt 0=76 1=00 1=87 2=06 2=82

!$= s'n shf{ ÷lgIf]k k|ltzt 77=41 88=03 77=41 90=68 87=01

!%= s'n ;~rfng vr{÷s'n ;DklQ k|ltzt 2=06 1=77 1=44 1=98 1=64

!^=hf]lvd efl/t ;DklQdf k"“hLsf]ifsf]

kof{Kttf

s_ k|fylds k"“hL 21=66 21=31 20=34 22=53 22=45

v_ k"/s k"“hL 0=93 0=95 0=99 1=01 1=00

u_ s'n k"“hLsf]if 22=59 22=26 21=34 23=55 23=45

!&= t/ntf CRR cg'kft cg'kft 43=87 32=28 39=60 31=68 37=93

!*= lgis[o shf{÷s'n shf{ k|ltzt 1=88 2=03 4=18 3=80 2=50

!(= cfwf/ Aofhb/ k|ltzt 11=16 11=20 9=38

@)= Aofh b/ cGt/ (Weighted Average Interest Rate Spread) 4=25 4=78 6=12 5=39 5=72

@!= a's g]6jy{ -?=xhf/df_ ?=xhf/df 1,48,678 2,09,680 3,45,280 4,34,883 5,72,688

@@= s'n z]o/ ;+Vof ;+Vof 14,00,000 20,00,000 32,00,000 39,42,857 44,57,143

@#= s'n sd{rf/L ;+Vof ;+Vof 24 25 40 52 55

@$= cGo




k|d'v n]vf gLltx?cfly{s jif{ @)&@÷)&#

cg';"rL – $=#@

sDkgL /lhi6««««f/sf] sfof{nosf] ldlt @)&#÷)%÷)& sf] kq cg';f/ l/nfoG; nf]6; kmfO{gfG; lnld6]8sf] gfd kl/j{tg

e} l/nfoG; kmfO{gfG; lnld6]8 sfod ePsf] 5 . l/nfoG; kmfO{gfG; lnld6]8, sDkgL /lhi6««««f/sf] sfof{nodf sDkgL P]g

adf]lhd btf{ eO{ g]kfn /fi6« a}+saf6 l;ldt a}+lsË sf/f]jf/ ;+rfng ug]{ u/L …uÚ ju{sf] O{hfht k|fKt ;+:yf xf] . o;sf]

/lhi68{÷d'Vo sfof{no k|bz{gLdfu{, sf7df08f}df /x]sf] 5 . d'Vo sfof{no afx]s $ j6f zfvfx? Go"/f]8, gf/fo0fu9, kf]v/f

/ a]lzzx/df /x]sf 5g\ .

o; ;+:yfn] g]kfn /fi6« a}+såf/f hf/L ul/Psf] lgb]{zg / g]kfn n]vfdfgsf] clwgdf /lx lgDg n]vf gLltx? ckgfPsf] 5 M

!_ x|f;s§L gLlt M l:y/ ;DklQdf cfos/ P]g, @)%* cg';f/ lglb{i6 b/df 36\bf] x|f; k|0ffnL cg'?k x|f;s§L ul/Psf] 5 . ;fy}, lnhxf]N8

;DklQdf klg cfos/ P]g, @)%* cg';f/ lglb{i6 b/df ;dfg'kflts x|f; k|0ffnL cg'?k x|f; s§f u/L ckn]vg vr{

cGtu{t k|:t't ul/Psf] 5 .

@_ cfos/ Joj:yf gLlt Mcfos/ P]g @)%* cg';f/ jflif{s ?kdf cfos/ Joj:yf ug]{ ul/Psf] 5 . clGtd s/ lgwf{/0f x'Fbf cfos/ Aoj:yf

/sd eGbf leGg ePdf cfjZostf cg';f/ ;f]lx jif{df ;dfof]hg ul/g] 5 .

#_ nufgL ;DjGwL gLlt Ms_ lwtf]kq ahf/df ;"rLs[t ePsf nufgLx?sf] d"NofÍg ahf/ d"No tyf k/n d"NodWo] h'g 36L 5 ;f]df ul/Psf]

5 . k/n d"No eGbf d"Nof+lst /sd sd cfPdf km/s /sdnfO{ gf]S;fgL Joj:yf ul/Psf] 5 .

v_ lwtf]kq ahf/df ;"rLs[t gePsf nufgLx?sf] d"NofÍg k/n d"Nodf ul/Psf] 5 tyf g]kfn /fi6« a}+ssf]

lgb]{zfg';f/ nufgL ;dfof]hg sf]ifsf] Aoj:yf ul/Psf] 5 .

u_ ;+:yfsf] :jfldTjdf /x]sf] nufgLx?nfO{ g]kfn /fi6« a}+ssf] lgb]{zg cg';f/ lgDg adf]lhd jlu{s/0f ul/Psf] 5 .

!_ e'QmfgL ldlt;Dd wf/0f ug]{ nufgL

@_ Jofkfl/s nufgL

#_ ljqmLsf] nflu pknAw nufgL

3_ g]kfn /fi6« a}+ssf] lgb]{zfg';f/ laqmLsf] nflu pknAw lwtf]kqx?sf nflu @Ü nufgL ;dfof]hg sf]ifsf] Joj:yf

ul/Psf] 5 .

ª_ ;/sf/L 6«]h/L ljN;df u/]sf] nufgLnfO{ k/n df]ndf b]vfpg] gLlt lnOPsf] 5 . pQm ;/sf/L 6«]h/L ljN;df

nufgL ubf{ Go"g ul/Psf] Discount nfO{ ;f] 6«]h/L ljN;sf] e'QmfgL cjwLe/df ;dfg'kflts lx;fan] cflh{t

cfDbfgL n]vfÍg ug]{ gLlt /x]sf] 5 .

$_ ;6xL 36j9 ;dfof]hg gLltM ljb]zL ?k}ofFsf] sf/f]af/ gePsfn] xfn ;6xL 36a9 ;dfof]hg ul/Psf] 5}g .

%_ u}x| a}+lsË ;DklQx?sf] n]vfÍg gLltM



u}x| a}+lsË ;DklQ ;sf/ ubf{ lwtf]sf] k|rlnt ahf/ d"No jf lwtf] ;sf/ ug]{ j]nf ;Ddsf] ;Dk"0f{ n]gf /sd dWo] h'g

sd x'G5 ;f] d"No lng] lglt /x]sf] 5 .

^_ k"FhLs[t gul/g] ;DklQsf] n]vfÍg gLlt M;fdfGotof ? %,))).)) ;Dd k/n d"No kg]{ ;fdfgx? k"FhLs[t gu/L v/Lb ePs} jif{df vr{ hgfpg ;lsg] gLlt

/x]sf] 5 .

&_ cfDbfgL÷vr{ n]vfÍg ug]{ gLlt Ms_ o; ;+:yfn] lgIf]k tyf shf{sf] Aofh u0fgf ubf{ #^% lbgsf] ! jif{ cfwf/ lnO{ u0fgf ul/Psf] 5 .

v_ shf{ tyf ;fk6df k|fKt x'g] AofhnfO{ cfDbfgL hgfpg] ;DaGwdf g]kfn /fi6« a}+sn] lglb{i6 u/] adf]lhd gub

k|fKtLsf] cfwf/ (Cash Basis)df n]vf+sg ug]{ gLlt lnO{Psf] 5 . ;fy} c;"n ePsf] AofhnfO{ dfq cfDbfgLdf

n]vf+sg ul/ jiff{Gtdf c;"nL x'g afFsL Aofh /sdnfO{ d'NtjL lx;fadf hDdf ug]{ gLlt /x]sf]] 5 .

u_ lgIf]k tyf shf{ bfloTjx?df e'QmfgL lbg' kg]{ AofhnfO{ cflh{t k|0ffnLdf n]vfÍg ul/Psf] 5 .

3_ ljQLo ;+:yfdf u/]sf] nufgL d'2tL tyf lgIf]k nufgLdf kfpg'kg]{ AofhnfO{ cflh{t k|0ffnLdf n]vfÍg ul/Psf]

5 .

*_ ;Defljt shf{ gf]S;fgL Aoj:yf tyf c;"nL x'g g;Sg] shf{x?sf] ckn]vg gLlt M g]kfn /fi6« a}+sn] lglb{i6 u/] adf]lhd shf{ jlu{s/0f u/L shf{ gf]S;fgL Aoj:yf sfod ul/Psf] 5 . c;"nL x'g

g;s]sf] shf{nfO{ ;+efljt shf{ gf]S;fgL Joj:yfdf vr{ n]vfÍg u/L ckn]vg ug]{ gLlt lnO{Psf] 5 .

(_ shf{sf] ;fFjf tyf Aofh c;'nL ug]{ Aoj:yf Mo; ;+:yfn] ;DjlGwt C0fLaf6 /sd c;"n pk/ ubf{ To:tf] c;"n pk/ dWo]af6 ;j{k|yd c;"n pk/ ug'{kg]{ xhf{gf

Jofh tyf Jofh /sd ;Dk"0f{ ?kdf c;"n pk/ ePkl5sf] cj:yfdf dfq afFsL /sd ;fFjfdf cfjZos lx;fa ldnfg

ug]{ gLlt lnO{Psf] 5 . ;fy} shf{ c;"nL km5\of}{6 qmddf cj:yfnfO{ dWo gh/ ul/ oyf]lrt xh{gf tyf Jofh /sd

5'6 lbg] ul/Psf] 5 .

!)_ shf{÷;fk6sf] jlu{s/0f / shf{ gf]S;fgL ;DaGwL Aoj:yf Mo; ;+:yfn] shf{÷;fk6sf] jlu{s/0f / shf{ gf]S;fgL ;DaGwL Aoj:yf g]=/f=a}+ssf] PsLs[t lgb]{zg @)&@, O=k|f=lgb]{zg

@÷)&@ sf] clwgdf /xL ul/Psf] 5 .

!!_ cGo gLltx? M s_ sd{rf/L af]g; n]vfÍg gLlt M

g]kfn /fi6« a}+sn] lglb{i6 u/] adf]lhd sd{rf/L af]g; Aoj:yf kl5sf] v'b gfkmfsf] !) k|ltztn] x'g] /sd

a/fa/ Aoj:yf ul/Psf] 5 .

v_ ;fwf/0f hu]8f sf]if M

k|rlnt sfg"gdf Aoj:yf eP cg';f/ k|:t't aif{sf] s/ k5fl8sf] gfkmfsf] @) k|ltzt /sd ;fwf/0f hu]8f sf]if

;fg]{ gLlt /x]sf] 5 .




n]vf;Fu ;DalGwt l6Kk0fLx?cfly{s jif{ @)&@÷)&#

cg';"rL $=##

!= shf{ tyf ;fk6sf] k|jfx, c;"nL tyf ckn]vg s_ o; cfly{s aif{sf] cGtdf o; ;+:yfn] shf{ df}Hbft / ckn]vg ul/Psf] ;fFjfsf] ljj/0f lgDg cg'';f/ /x]sf] 5 .

ut aif{sf] shf{ /sd o; aif{df nufgL o; aif{df c;"nLo; aif{df ldgfxf

;fFjf /sdafFsL shf{

?= !,%&,$(,@*,^() /- ?= !,*),!@,(%,%^@ /- ?= !,@^,%(,)^,)))/- - ?= @,!!,)#,!*,@%@ /-aiff{Gtdf shf{ df}Hbft ?=@,!!,)#,!*,@%@ ÷–

@ lgIf]k bfloTj cGt{ut k|To]s lzif{sdf o; cfly{s aif{sf] ljj/0f tyf kl/jt{gsf] ljj/0f

ljj/0f ut aif{sf] lgIf]k /sd o; aif{df k|flKt /sdo; aif{df e'QmfgL

/sdafFsL lgIf]k /sd

d'2tL lgIf]k ?= $^,!$,&#,(#&/- ?= (^,(%,)$,!!% /- ?= *&,^#,$#,^)# /- ?= %%,$^,#$,$$(/-

art lgIf]k ?= !,@&,%#,$&,#^@ /- ?= !@,)%,)@,^$,)%@ /- ?= !!$%$*,*!,(@^/- ?= !,*&,)&,@(,$** /-

s''n lgIf]k ?= !,&#,^*,@!,@((/- ?= !#,)!,(&,^*,!^&/- ?= !@,##,!@,@%,%@(/- ?= @,$@,%#,^#,(#&/-

#= lgIf]k / shf{sf] efl/t cf}ift Aofhb/sf] cGt/ • shf{sf] cf}ift Aofhb/ !@=)%

• lgIf]ksf] cf}ift Aofh b/ ^=##

• cf}ift Aofhb/sf] cGt/ %=&@

$= ckn]vg ug{ jfFsL vr{ Ms_ sDKo'6/ ;km\6j]o/ / O{n]S6«f]lgs r]s lSnol/Ë ;km\6j]o/df ul/Psf] vr{nfO{ cg';"rL $=!^ df ckn]vg ug{

jfFsL vr{ cGtu{t juL{s/0f ul/Psf] 5 . tL ;km\6j]o/nfO{ vl/b ul/Psf] ldltaf6 % jif{leq ckn]vg ug]{

ul/Psf] 5 . sDKo'6/ ;km\6j]o/sf] ckn]vg vr{ ?=$,)(,)^)÷– / O{n]S6«f]lgs r]s lSnol/Ë ;km\6j]o/df

?=@,@(,#%%÷– u/L hDdf ?=^,#*,$!%÷– gfkmf–gf]S;fg vftfdf :yfgfGt/0f u/L ckn]vg ul/Psf] 5 .

%= sf]ifdf cfwfl/t tyf u}/ sf]ifdf cfwfl/t shf{ tyf ;fk6 / If]qut ;Ldf g]kfn /fi6« a}+sn] tf]s]sf] ;Ldf leq /x]sf]

5 .



^= t/ntf ;DalGw hf]lvd Go"gLs/0f ug{ g]kfn /fi6« a}+sn] lbPsf] lgb]{zg cg';f/ o; ljQLo ;+:yfsf] ;DklQ tyf

bfloTjsf] cfwf/df ul/Psf] jlu{s/0f lgDgfg';f/ /x]sf] 5 .

;DklQ !–()lbg (!–!*) lbg !*!–@&)lbg @&!–#^%lbg ! aif{ eGbfa9L s'n /sd

gub df}Hbft 22,572 22,572

a}+s tyf ljQLo ;+:yf df}Hbft 8,99,226 8,99,226

ljb]zL a}+sdf u/LPsf] nufgL –

g]kfn ;/sf/sf] C0fkq –

g]kfn /fi6| a}+ssf] af]08 –

cGt/ a}+s tyf ljQLo ;+:yf shf{ –

cGo ljQLo ;+:yfdf d'4tL vftfdf nufgL –

shf{ tyf ;fk6 2,57,479 2,24,043 3,55,730 4,81,963 7,91,103 21,10,318

s'n ;DklQ 11,79,278 2,24,043 3,55,730 4,81,963 7,91,103 30,32,117

bfloTj –

;fk6L –

lgIf]k –

art lgIf]k 10,27,297 10,27,297

d'4tL lgIf]k 1,64,244 97,488 80,692 1,69,898 42,313 5,54,634

cGo lgIf]k –

cGo –

C0fkqx? –

s'n bfloTj 11,91,542 97,488 80,692 1,69,898 42,313 15,81,932

v'b ;DklQ -12,263_ 1,26,555 2,75,039 3,12,065 7,48,790 14,50,185

;+lrt v'b ljQLo ;DklQ -12,263_ 1,14,291 3,89,330 7,01,395 14,50,185

&= ;+:yfn] cfkm\gf] ;DklQ ;'/If0fsf ?kdf lwtf] /fvL s'g} /sd lnPsf] 5}g .

*= jiff{Gtdf ;+:yfsf] u}/ j}+lsË ;DklQ ?= #$,^&,$!(÷– /x]sf] 5 . ;f]lx /sd j/fj/ gf]S;fgL Aoj:yf sfod ul/Psf]

5 .

(= r'Qmf k"FhL dWo] clu|d e'QmfgL k|fKt x'g afFsL / hkmt z]o/x? /x]sf] 5}g .

!)= lnhxf]N8 ;DklQdf nufgL u/LPsf] ljj/0fx?

cf=j= z'? df}Hbft o; jif{ yk ckn]vg vr{ hDdf afFsL /sd

@)&!÷&@ ?=@!,)%,($^÷– ?= &@,(%,*()÷– ?= !*,&!,#@^÷– ?=&%,#),%!)÷–

@)&@÷&# ?=&%,#),%!)÷– – ?= @),)%,$(*÷– ?=%%,@%,)!@÷–

¿= xhf/df



!!= :yug s/ ;DklQdf /x]sf] /sdsf] ljj/0f lgDgfg';f/ /x]sf] 5 .

lzif{s lstfasf] cfwf/ s/sf] cfwf/ km/ss/sf] b/-%_

o; jif{sf] :yug s/ ;DklQ -bfloTj_

ut jif{sf] :yug s/

-cfDbfgL_÷vr{

o; jif{sf] :yug s/

-cfDbfgL_÷vr{

cGt/ ljlQo ;+:yfdf /x]sf] lgIf]kdf ul/Psf]

gf]S;fgL Joj:yf17,76,272 17,76,272 30 5,32,882 5,37,861 -4,979_

z]o/ nufgLdf ul/Psf] gf]S;fgL Joj:yf 32,03,424 32,03,424 30 9,61,027 9,52,979 8,048

l:y/ ;DklQ kl/jxg ;fwg 41,37,890 41,37,890 30 2,59,849 -2,59,849_

l:y/ ;DklQ d]lzg/L 36,25,322 36,61,659 36,337 30 10,901 78,926 -68,025_

lx;fj ldnfg ug'{kg]{ :yug s/ ;DkQLsf] km/s 1,27,42,908 77,99,549 50,16,033 15,04,810 18,29,615 -3,24,805_

o; jif{ n]vfÍg ug'{kg]{ :yug s/ ;DkQL 1,27,42,908 77,99,549 50,16,033 15,04,810 18,29,615 -3,24,805_

!@= nufgL !@=! lwtf]kq ahf/df ;"lrs[t ePsf nufgLx?sf] d"NofÍg ahf/ d"No tyf k/n d'NodWo] h'g 36L 5 ;f]df

ul/ Psf] 5 .

!@=@ ;+3 ;+:yfx?sf] z]o/ nufgL jfkt gf]S;fgL Joj:yf ?=#@,)#,$@$÷– sfod ul/Psf] 5 .

!@=# o; jif{ ljleGg sDkgLx?df ePsf] z]o/ nufgL ljls|jf6 v'b cfDbfgL ?=^,!*,%*,^&$÷– b]vfPsf] 5 .

!@=$ nufgL ;dfof]hg sf]if

g]kfn /fi6« a}+ssf] lgb]{zg cg';f/ a}+sn] k"FhL (Equity) nufgL ;dfof]hg sf]if :yfkgf u/]sf] 5 .

nufgL -ljqmLsf nflu pknAw_

d"No Joj:yf /sd v'b nufgL sf]ifsf] /sd

;'rLs[t nufgL-ljkGg If]q_ ?=@),$))÷– ) ?=@),$))÷– ?=$)*÷–

;'rLs[t nufgL-cGo If]q_ ?=^,^^,!%,)*)÷– ?=#@,)#,$@$÷– ?=^,#$,!!,^%^÷– ?=!#,#@,#)@÷–

Exempted nufgL ?=!,)*,@*))÷– ) ?=!),*@,*)) ÷– )

hDdf ?=^,&&,!*,@*)÷– ?=#@,)#,$@$÷– ?^,$%,!$,*%^÷– ?=!#,#@,&!)÷–

Exempted nufgL cGtu{t g]kfn lSnol/ª xfp;df ul/Psf] k"FhL (Equity) nufgL kb{5 . h;sf nfuL g]kfn /fi6«

a}+ssf] lgb]{zg cg';f/ nufgL ;dfof]hg sf]ifsf] Joj:yf ug'{ kb}{g .

!#= cfˆgf] ;+:yfsf] z]o/ lwtf] /flv s'g} shf{ k|jfx ul/Psf] 5}g .

!$= s'n lgIf]kdf lj; 7"nf lgIf]kstf{x?sf] c+z @&=$# k|ltzt /x]sf] 5 .

!%= z]o/ k+"hLM

;+:yfsf] z]o/ k"+hLsf ;DaGwdf ldlt @)&#÷)@÷@! ut]sf] 5}7f] aflif{s ;fwf/0f ;efsf] lg0f{o tyf sDkgL

/lhi6«f/sf] sfof{nosf] ldlt @)&#÷)%÷)& sf] kqfg';f/ ;+:yfsf] clws[t k"+hL ? *),)),)),))).–, Hff/L k"+hL ?

&!,#!,$@,()).– / r'Qmf k"+hL ? &!,#!,$@,()).– x'g]u/L ;+zf]wg ePsf] 5 . ;+:yfsf] cf=j= )&!÷&@ df clws[t

k"+hL ? ^%,)),)),))).– hf/L k"+hL /sd ? #&,!$,@*,^)).– tyf r'Qmf k"+hL FPO kZrft ? #&,!$,@*,^)).–

/x]sf] tyf cf=j= @)&!÷&@ sf] gfkmf tyf ;+lrt d'gfkmf ;d]taf6 @) k|ltzt af]gz z]o/ ? &,$@,*%,&@).–

z]o/wgLnfO k|bfg ug]{ lg0f{o ;+:yfsf] ldlt @)&#÷)@÷@! ut]sf] 5}7f] aflif{s ;fwf/0f ;efaf6 o; ;+:yfsf] r'Qmf

k"+hL ? $$,%&,!$,#@).– k'Uf]sf] 5 . ;fy} cf=j= )&@÷&# df pQm r'Qmf k"+HfLsf] !% k|ltzt af]gz z]o/ k|:tfa ul/



? ,^*,%&,!$*.– yk eO ;+:yfsf] r'Qmf k"+hL cf=j= @)&@÷&# df ? %!,@%,&!,$^*.– ePsf] 5 . g]kfn /fi6« a}+ssf]

lgb]{zfg';f/ r'Qmf k"+hL ? *) s/f]8 k'¥ofpg gk'u r'Qmf k"+hL cf=j= @)&#÷&$ df xsk|b z]o/ hf/L ul/ k'/f ul/g]

5 .

!^=+ cGo ljj/0fx?

s= o; ljQLo ;+:yf @)^^ ;fn c;f/ @# ut] sDkgL /lhi6««««f/sf] sfof{nodf btf{ ePsf] xf] .

v= o; ;+:yfsf] k|d'v sfo{sf/L clws[tnfO{ dfl;s kfl/>lds ?=!,#!,@%)÷– -cIf]/]kL ?k}of Ps nfv

Pslt; xhf/ b'O{ ;o krf; dfq_ e'QmfgL ug]{ ul/Psf] 5 .

u= c+sx?nfO{ glhssf] ?k}+ofdf k|:t't ul/Psf] 5 .

3= sd{rf/Lsf] pkbfg /sd Joj:yf ubf{ z'?sf] lbg jf6 g} ug]{ ul/Psf] 5 . o; cfly{s jif{sf] nflu

sd{rf/L pkbfg sf]ifdf ?=^,*$,@^#÷–Joj:yf ul/Psf] 5 .

ª ut jif{sf] c+sx?nfO{ o; jif{sf] c+s;+u t'ngf x'g] ul/ cfjZostfg';f/ k'gu{7g ul/Psf] 5 .

r= k|:tfljt nfefFz

o; cf=j=df !% k|ltztsf b/n] af]gz z]o/ tyf nfefFz s/ k|of]hgfy{ )=&( k|ltztsf b/n] x'g] ?=#%,!*,&(&÷–

gub nfefFz k|:tfj ul/Psf] 5 . pQm af]gz z]o/ tyf nfefFz g]kfn /fi6« a}+saf6 :jLs[lt kZrft dfq jfl{if{s

ljj/0f k|sfzg of]Uo x'g] / k|:tfljt nfefFz klg ;f] a}+ssf] :jLs[lt Pj+ jflif{s ;fwf/0f ;efjf6 cg'df]bg k|fKt

ePkl5 ljt/0f of]Uo x'g]5 .

5= @)&# cf;f9 d;fGt ;Dddf ;d:ofu|:t ljQLo ;+:yf cGt{ut lxdfno kmfOgfG; ln= df ?=!&,&^,@&@÷– lgIf]k

/xg'sf ;fy} pQm ;+:yfsf] lgIf]k ?=!#,!%)÷–o; ;+:yfdf /x]sf] 5 . pQm ;+:yfdf /x]sf] s'n lgIf]k /sdsf]

ztk|ltzt gf]S;fgL Aoj:yf sfod u/L gfkmf gf]S;fg lx;fjdf n]vf+sg ul/Psf] 5 .

h= a}+s÷ljQLo ;+:yfdf /x]sf] df}Hbft ?=&$,&&,##,)&)÷– /x]sf]df ;d:of u|:t 3f]lift ljQLo ;+:yfdf /x]sf]

?=!&,&^,@&@÷– /sdsf] ztk|ltzt gf]S;fgL Aoj:yf sfod u/L v'b df}Hbft ?=&$,%(,%^,&(*÷–dfq jf;nftdf

k|:t't ul/Psf] 5 .

´= g]kfn /fi6« a}+sn] cfkmgf] lgb]{zgnfO{ ;+zf]wg ub}{ @)^( ebf} % ut] hf/L u/]sf] kl/kq cg';f/ a}+sx?n] cfly{s

aif{sf] cGTo ;Dddf k|fKt ug'{ kg]{ Jofh csf]{ cfly{s jif{sf] ;fpg !% leq ;Dd c;"n ePdf ;f] /sd rfn' aif{sf]

cfDbfgLdf u0fgf ug{ kfpg] Joj:yf u/] cg';f/ ut jif{ o; ljlQo ;+:yfn] Jofh cfDbfgL ?=@(,^),^&@÷–n]vf+sg

ul/Psf]df o; jif{ ptm ;'ljwf lnPsf] 5}g . To:t} @)&# >fj0f !% ut] leq c;"n ePsf] Aofhsf] cfwf/df

@)&# c;f/ d;fGtsf] shf{sf] auL{s/0fdf ;dfof]hg ul/ shf{ gf]S;fgL Joj:yf sfod ul/Psf] 5 .

`= Joj;fo -a}+s tyf ljlQo ;]jf_ uflePsf] sf/0fn] x'g] lg:;u{ ;DaGwL ljz]if Joj:yf-cy{ ;DjlGw sfof{Gjog

ljw]os @)&!÷bkmf $& s,%_ cGt{ut b'O{ jif{ ;Dd nfef+z s/ 5'6 x'g] x'bf+ ut jif{ k|:tfljt nfef+z s/ /sd

?=#(,)(,&&%÷– dWo] dh{ x'+bf sfod /x]sf] z]o/ ?=#@ s/f]8sf] nfef+z s/ ?=##,^*,$@!÷– cf=/f=sf=df bflvnf

gul/ o; cf=j=df gfkmf gf]S;fg afF8kmFf8 lx;fadf cfDbfgL hgfO{ ;l~rt gfkmf÷gf]S;fgdf b]vfO{Psf] 5 . To:t}

FPO lgisfzg ubf{ j[l4 ePsf] z]o/ ?=%!,$@*,^))÷– sf] nfef+z s/ ?=%,$!,#%$÷– s/ bflvnf ug{ o;

cf=j=df cGo bfloTjdf b]vfO{Psf] 5 .

6= ;08«L q]ml86;{ cGt{ut qm[0fL kf}8]n kf]N6«L kmd{sf] lnnfdL ;sfbf{ hDdf ePsf] /sd ?=**,%),)))÷– ;d]t

b]vfO{Psf] 5 .



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t'ngfTds ljj/0f cfly{s jif{ @)&@÷@)&# cg';"rL – $=#%

¿= xhf/df

ljj/0fn]vf kl/If0f gePsf] k|sflzt ljQLo glthf

n]vf kl/If0f ePsf] k|sflzt ljQLo glthf

km/skm/ssf] sf/0f

/sd %1 s'n k"FhL tyf bfloTj -1=1 blv 1=7 ;Dd_ 31,82,139 31,41,603 -40,536_ -1.29_1=1 r'Qmf kF"hL 4,45,714 5,12,571 66,857 13.04

1=2 hu*f tyf sf]ifx? 1,31,050 60,116 -70,934_ -118_ gfkmfdf sld ePsf]n]1=3 Cfkq tyf j)*x? – – – – 1=4 ;fk^L – – – – 1=5 lgIf]kx? -s±v_ 24,41,978 24,25,364 -16,614_ -0.68_

s= :jb]zL d'b|fdf 24,41,978 24,25,364 -16,614_ -0.68_ efvf gf3]sf] lgIf]knfO{ cGo bfloTjdf b]vfPsf]n]v= ljb]zL d'b|fdf – – –

1=6 cfos/ bfloTj 39,057 – -39,057_ v'b clu|d cfos/ ePsf]n]1=7 cGo bfloTj 1,24,340 1,43,551 19,212 13.38 lx;fj ldnfg ul/Psf]n]

2 s'n ;DklQ -2=1 b]lv 2=7 ;Dd_ 31,82,139 31,41,603 -40,536_ -1=29_2=1 gub tyf a}+s df}Hbft 9,21,799 9,21,802 3 0.00 a}+s Aofh cfDbfgL ePsf]n]2=2 dfu tyf cNk ;"rgfdf k|fKt x'g] /sd – – – – 2=3 nufgL 67,718 67,718 – – 2=4 shf{ tyf ;fk^ 21,10,318 21,10,318 – –

2=5 l:y/ ;DklQ 16,984 16,982 -2_ -0.01_ lx;fj ldnfg ul/Psf]n]2=6 u}/ a}+lsË ;DklQ 3,467 – -3,467_ – v'b b]vfPsf]n]2=7 cGo ;DklQx? 61,852 24,783 -37,070_ -1=50_ cfos/ lx;fj ldnfg u/]sf]n]

3 gfkmf gf]S;fg lx;fj3=1 Aofh cfDbfgL 2,44,228 2,44,230 2 – a}+s Aofh cfDbfgL ePsf]n]3=2 Aofh vr{ 1,42,350 1,42,350 – –

s v'b Jofh cfDbfgL -3=1 – 3=2_ 1,01,877 1,01,880 2 –3=3 lkm, sldzg tyf l*:sfp)^ 1,532 1,553 21 1.35 /]ld6 l6l8P; cfDbfgL ePsf]n]3=4 cGo ;+rfng cfDbfgL 25,343 25,343 – – 3=5 ;^lx #^j– cfDbfgL – – –

v s'n ;+rfng cfDbfgL -s±3=3±3=4±3=5_ 1,28,753 1,28,776 23 0.02 3=6 sd{rf/L vr{ 21,890 21,890 – – 3=7 cGo ;+rfng vr{ 28,449 28,455 7 0.02 lx;fj ldnfg ul/Psf]n]u ;Defljt gf]S;fgL Joj:yf cl#sf ;+rfng

d'gfkmf -v–3=6–3=7_ 78,414 78,430 17 0.02

3=8 ;Defljt gf]S;fgL Joj:yfx? 22,673 5,638 -17,035_ -302_ v'b ;Defljt gf]G;fgL Joj:yf b]vfPsf]n]

# ;+rfng d'gfkmf -u –3=8_ 55,740 72,792 17,052 23.43 3=9 u}/ ;+rfng cfDbfgL÷-gf]S;fg_ 63,164 63,164 – –

3=10 ;Defljt gf]S;fgL Joj:yfaf^ lkmtf{ 17,092 17 -17,075_ – v'b ;Defljt gf]G;fgL Joj:yf b]vfPsf]n]

ª lgoldt sf/f]jf/x?af^ ePsf d'gfkmf÷-vr{_ 1,35,996 1,35,973 -23_ -0.02_3=11 c;fdfGo sf/f]jf/x?af^ ePsf d'gfkmf÷-vr{_ – – – r af]g; tyf s/ cl#sf] d'gfkmf -ª±3=11_ 1,35,996 1,35,973 -23_ -0.02_

3=12 sd{rf/L af]g; Joj:yf 12,363 12,361 -2_ -0.02_ gfkmfdf sld ePsf]n]

3=13 cfos/ Joj:yf 37,090 36,761 -329_ -0.89_ lx;fj ldnfg ul/Psf]n]3=14 ljut jif{;Ddsf] s/ Joj:yf – –

3=15 o; aif{sf] :yug s/ cfDbfgL ÷vr{ 325 325

% v'b gfkmf ÷-gf]S;fg_ -r–3=12–3=13_ 86,543 86,526 -17_ -0.02_




n]vfk/LIf0f gePsf] ljQLo glthf cfly{s jif{ @)&@÷)&# cg';"rL – $=c

¿= xhf/df

ljj/)fldlt

31 cfiff( 2073 30 r}q 2072 32 cfiff( 20721 s'n k"FhL tyf bfloTj -1=1 b]lv 1=7 ;Dd _ 3182,139 3492,556 2311,509

1=1 r'Qmf kF"hL 445,714 371429 320,000 1=2 hu]*f tyf sf]ifx? 131,050 141566 118,864 1=3 C)fkq tyf j)*x? – – – 1=4 ;fk^L – – – 1=5 lgIf]kx? -s±v_ 2441,978 2808,593 1744,852

s= :jb]zL d'b|fdf 2441,978 2808593 1744,852

v= ljb]zL d'b|fdf1=6 cfos/ bfloTj 39,057 11727 21,504 1=7 cGo bfloTj 124,340 159241 106,289

2= s'n ;DklQ -2=1 b]lv 2=7 ;Dd _ 3182,139 3492,556 2311,509 2=1 gub tyf a}+s df}Hbft 921,799 1094125 561,128 2=2 dfu tyf cNk ;"rgfdf k|fKt x'g] /sd – – – 2=3 nufgL 67,718 90697 111,087 2=4 shf{ tyf ;fk^ 2110,318 2200,336 1574,929 2=5 :yL/ ;DklQ 16,984 17905 22,681 2=6 u}/ a}+lsÍ ;DklQ 3,467 4,889 2=7 cGo ;DklQx? 61,852 84604 41,684

3 gfkmf gf]S;fg lx;fj o; jif{

-4 q}df;df_ o; jif{

-3 q}df;df_ o; jif{

-4 q}df;df_ 3=1 Aofh cfDbfgL 244228 165911 219,556 3=2 Aofh vr{ 142350 103898 130,673

s= v'b Jofh cfDbfgL -3=1 – 3=2_ 101877 62,013 88,883 3=3 lkm, sldzg tyf l*:sfp)^ 1532 416 551 3=4 cGo ;+rfng cfDbfgL 25343 16481 14,250 3=5 ;^lx #^j( cfDbfgL – – –

v= s'n ;+rfng cfDbfgL -s ±3=3±3=4±3=5_ 128753 78,910 103,684

3=6 sd{rf/L vr{ 21890 15065 18,402 3=7 cGo ;+rfng vr{ 28449 18595 26,239

u= ;Defljt gf]S;fgL Joj:yf cl#sf] ;+rfng d'gfkmf -v–3=6–3=7_ 78414 45,250 59,043 3=8 ;Defljt gf]S;fgL Joj:yfx? 22673 42075 11,477

#= ;+rfng d'gfkmf -u –3=8_ 55740 3,175 47,566

3=9 u}/ ;+rfng cfDbfgL ÷-gf]S;fg_ 63164 22720 21,130 3=10 ;Defljt gf]S;fgL Joj:yfaf^ lkmtf{ 17092 9889 2,937

ª lgoldt sf/f]jf/x?af^ ePsf] d'gfkmf÷-vr{_ 135996 35,784 71,633 3=11 c;fdfGo sf/f]jf/x?af^ ePsf] d'gfkmf÷-vr{_

r af]g; tyf s/ cl#sf] d'gfkmf -ª ±3=11_ 135996 35,784 71,633 3=12 sd{rf/L af]g; Joj:yf 12363 3253 6,512 3=13 cfos/ Joj:yf 37090 9760 19,536

% v'b gfkmf÷-gf]S;fg_ -r–3=12–3=13_ 86543 22,771 45,585 4 cg'kftx? -Ü_ 31 cfiff( 2073 30 r}q 2072 32 cfiff( 2072

4=1 k"FhLsf]if ÷hf]lvd efl/t /sd 23=75Ü 20=34Ü 23=68Ü4=2 lglis[o shf{ ÷s'n shf{ 2=50Ü 4=14Ü 3=80Ü4=3 s'n shf{ afkt hf]lvd Joj:yf÷s'n lgis[o shf{ 131=39Ü 101=06Ü 110=03Ü4=4 ;+If]k nfut 6=32Ü 6=05Ü 7=37Ü4=5 shf{ lgIf]k cg'kft -g]kfn /fi6 a}+ssf] lgb]{lzsfcg';f/_ 69=91Ü 66=24Ü 72=12Ü4=6 cfwf/ Aofh b/ 9=38Ü 9=08Ü 9=21Ü



!= lgb]{zfg';f/ ug]{ Joj:yf ldnfOg]5 .

@= lgb]{zg cg'?k cfjZos sfuhftx? lnO{ shf{ k|jfx tyf gljs/0f ug]{ Joj:yf ldnfOg]5 .

#= cfGtl/s n]vf kl/If0f, afXo n]vf kl/If0f ;fy} To; a}+ssf] :ynut lgl/If0f tyf u}/ :ynut ;'kl/j]If0f k|ltj]

bgdf cf}NofPsf s}lkmotx? k'gM gbf]xf]l/g] ul/ ;'wf/ ug{ Pj+ k"j{ lgb]{zgx? kfngf ug]{ Joj:yf ldnfOg]5 .

g]kfn /fi6««« a}+sn] cf= a= @)&@÷&# sf] jflif{s k|lta]bg k|sfzgfy{ :jLs[lt lbbf lbOPsf] lgb]{zgsf ;DaGwdf ljQLo ;+:yfsf] k||lts[of



l/nfoG; kmfOgfG; lnld6]8sf] ;ftf+} jflif{s ;fwf/0f ;efdf k]z ul/Psf]

k|aGwkqdf ;+zf]wg k|:tfj

;fljs Joj:yf / bkmf xfn ug'{kg]{ ;+zf]wg / bkmf ;+zf]wg ug'{kg]{ sf/0f / cf}lrTo

^ ljQLo ;+:yfsf] k+"hLsf] ;+/rgf

ljQLo ;+:yfsf] k+"hLsf] ;+/rgf b]xfo adf]lhd

x'g]5 Ù

-s_ ljQLo ;+:yfsf] clws[t k"hL

?=*),)),)),))) ÷ -?=c:;L s/f]8 _ x'g]5 .

;f] k"FhLnfO{ k|ltz]o/ ?=!)).– -?= Ps ;o_

b/sf *),)),))) -c:;L nfv_ yfg ;fwf/0f

z]o/df ljefhg ul/Psf] 5 .

^ ljQLo ;+:yfsf] k+"hLsf] ;+/rgf

ljQLo ;+:yfsf] k+"hLsf] ;+/rgf b]xfo

adf]lhd x'g]5 Ù

-s_ ljQLo ;+:yfsf] clws[t k+"hL

?=!,)),)),)),)))÷ -?= ! ca{_

x'g]5 . ;f] k"FhLnfO{ k|ltz]o/ ?=!)).–

-?= Ps ;o_ b/sf yfg !,)),)),)))

-! s/f]8_ yfg ;fwf/0f z]o/df

ljefhg ul/Psf] 5 .

cf= a= @)&#÷&$ ;Dddf

r'Qmf k"+hL ?=*) s/f]8

k'/ofpg'kg]{ g]kfn /fi6« a}ssf]

lgb]{zg ePsf]n] .

^ -v_ ljQLo ;+:yfsf] tTsfn hf/L ug]{ z]o/

k"FhL ?=&!,#!,$@,()) ÷ -?=PsxQ/ s/f]8

PstL; nfv aofln; xhf/ gf} ;o_ x'g]5 . ;f]

k"FhLnfO{ k|ltz]o/ ?=!)).– -?= Ps ;o_ b/sf

&!,#!,$@(-PsxQ/ nfv Pslt; xhf/ rf/

;o pgfGtL; yfg ;fwf/0f z]o/df ljefhg

ul/Psf] 5 .

^ -v_ ljQLo ;+:yfsf] tTsfn hf/L

ug]{ z]o/ k"FhL ?=*@,)!,!$,#$*÷*)

-?=aof;L s/f]8 Ps nfv rf}w xhf/

tLg ;o c7rfln; bzdna cf7_

x'g]5 . ;f] k"FhLnfO{ k|ltz]o/ ?=!)).–

-?= Ps ;o_ b/sf *@,)!,!$#.$(

-aof;L nfv Ps xhf/ Ps ;o

lqrfln; bzdna pgfGrf;_ yfg

;fwf/0f z]o/df ljefhg ul/Psf] 5 .

cf= a= @)&#÷&$ df

r'Qmf k"+hL ?=*) s/f]8

k'/ofpg'kg]{ g]kfn /fi6« a}ssf]

lgb]{zg ePsf]n] .

^ -Uf_ ljQLo ;+:yfsf] tTsfn r'Qmf k"FhL

?=&!,#!,$@,()) ÷ -?=PsxQ/ s/f]8 PstL;

nfv aofln; xhf/ gf} ;o_ x'g]5 . ;f] k"FhLnfO{

k|ltz]o/ ?=!)).– -?= Ps ;o_ b/sf &!#!$@

(-PsxQ/ nfv Pslt; xhf/ rf/ ;o pgfGtL;

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Total Deposit (Rs. '000)100,000.00

90,000.00

80,000.00

70,000.00

60,000.00

50,000.00

40,000.00

30,000.00

20,000.00

10,000.00

-

3,000,000.00

2,500,000.00

2,000,000.00

1,500,000.00

1,000,000.00

500,000.00

-

2068/069 2069/070 2070/071 2071/072 2072/073 2068/069 2069/070 2070/071 2071/072 2072/073

Net Profi t (Rs. '000)

Non Performing Loan Ra o (%)

4.50

4.00

3.50

3.00

2.50

2.00

1.50

1.00

0.50

0.00

2068/069 2069/070 2070/071 2071/072 2072/073 2068/069 2069/070 2070/071 2071/072 2072/073

2068/069 2069/070 2070/071 2071/072 2072/073 2068/069 2069/070 2070/071 2071/072 2072/073

Total Loan & Advances (Rs. '000)

2,500,000.00

2,000,000.00

1,500,000.00

1,000,000.00

500,000.00

-

Earnings Per Share (Rs.)Capital Adequacy Ra o (%)

20.0018.0016.0014.0012.0010.00

8.006.004.002.00

-

24.00%

23.50%

23.00%

22.50%

22.00%

21.50%

21.00%

20.50%

20.00%

Trend Lines Presen ng Financial Indicators



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