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M ofc 6faoGc fyt {fhs Lgfun / Lgfun _3 ]fsPfc g'x /fhx @! vfn && 8]f/s ( j/c !=? {Ou g\\63 Lgfun ]n/fhx &* vfn !# 8]f/s !# =? fd #&)÷@&)@=j=fc Lx]s Lufn fs{tl"ktlfI ]fsLafb ]fsPe 6fakDs'e . 5 ]fsPe g"oG ]ntztl|k )@=@@ fd]fh+fb ]fs @&)÷!&)@ j=fc g"h . 5

d' +}f5bFpf/u L/fsgfh ]fsPe ds Lx]s ds/ Lgfun n's ]n]fsP/lu LgfmQ'e Lafb {Onl {ftmkl 5lk gfmQ'e bfoD ?xaf;xl tl4 . 5 ]fsPe LgfbDfc ]n/fhx #^ vfn )( 8]f/s ^=? 6faoGc fyt Lgfun fd{fij ffIdl; L/u };oT .

ª M Lh+"k fmQ"r _ vfn ^$ 8]f/s * =? t{fyc tztl|k %&=#@ ]fso; * /fhx #$ vfn %^ 8]f/s %# =? Lh+"k fmQ"r ]fs #&)÷@&)@ j=fc

. +}f5fs]s; {Ofo¥'k o; ( /fhx @@ vfn @! 8]f/s $$ =? Lh+"k fmQ'r L/u L/fh /o]z ;g]fa o; ! /fhx (&

r M fi]fs fdLa / fi]fs f8]uh _ ]fs]u'k /fhx @& vfn (^ 8]f/s &% =? /lu fi]fs f8]uh Qlkjl fxd fyt fi]fs fdLa ,fi]fs f8]uh ]fsLgkDs ;o fd{fij ffIdl;

5 .

M/;c ]fs]/k fd/fj]f/fs ]fsLgkDs 6fatly:l o«6ilf/{tGc fyt o«6ilf/ _@

fdwljc ffIdl; ]njfe|k ]fs]/k fdqGt{yc ]fss"n"d f0/fs fskDs"e L/fs;fgjl ]fs{fij s{ylfc tujl fyt ft/y:lc stl}ghf/ ]fs{fij s{ylfc tual klfyt . 5 ]fs]/k /;c ]fs;o glk fdof;joJ fdLa u|d; fbS;g gpf6imk ?xof;joJ / fbGwu]fBp ]fsPvl]b sdTf/fs; fd4l[a ]fsof;joJ fdLa ]n]fsPOfk ]fsPe ;"zxd ftsoZjfc ]fsfdLa fd;gfdgh ]nkDs"e L/fs;fgjl

5 .

Mff0/fw ]fstldl; snfr~; fdwGaD; ]fsoijle / wAlnkp ]fs{fij "nfr dD;tldl ]fsgb]jtl|k _#

$&)÷#&)@ {fij s{ylfc "nfr f0/fs fs;fjZjl /tG/gl ]fs?xtdljl / vfz ]fsLgkDs ]fsPu }b\9a fd/fha fdLa ]fss"n"d /fhx )( vfn % 8]f/s $% =? fddD;tGf;d {ufd nf; #&)@ fd]fs]x/ vfn )% 8]f/s !# a/c ! =? dodl|kl tfIln ]fs t{fyc tztl|k %@=)$ fdfgn"t ]fswljc xl]f; ]fs #&)÷@&)@ =j=fc tu g"h . 5 ]fsPe dfI; {gu gns+; dodl|kl fdLa "nfr {fbu /hgoWd {Ofntlu|k ]fsdD; nfx glk t"hafa ]fstly:l/lk dfial . 5 ]fsPe 4l[a ]n/fhx ^$ vfn !% 8]f/s %!=?

. +}f5 fsPnl ;fjZjl ]g'x f/"k oIn fddD;oTGc ]fs{fij s{ylfc fs]]/u t't:|k fId; ?xFfxo fb'Fx ]fs]/u LgfbDfc dodl|kl /f;"gfgDgl fdk? tuq]fI ]nLgkDs fddD; tGf;d {ufd ]fs{fij "nfr

. +}f5


13

MwGaD; solf;jfoJ fj sul]fB}fc _$ Ljfb . 5 ]fsPfc {}bu gfb|k fj]; 6fa?xon{fofs fvfzkp fyt fvfz f6j @# fs/es"n"d tofun on{fofs gfw|k ]nLgkDs sxf|u oGc fyt Lu]fBp ,Lof;joJ ,t7iltl|kwAn fdk? ]fssdLa oY:j: ]n]fsPfgkc tlLgf0/ {]gu ]ft/l5]f65l LgfmQ'e. 5 ]fs]x/ {f0'k{bfx}f; fyt {f0'kLq}d wGaD; sul]fB}fc ]fsLgkDs }yf; . 5 ]fsPe nmk; gVf/ dofs ;fjZjl ]fs?xjfe'gfxd

M/]mk/]x fdtldl; snfr~; _% . +}f5bFpf/u L/fsgfh ]fsPeg /]mk/]x }g's fdtldl; snfr~; ]fsLgkDs ;o

M ?xf/"s oV"d {]gfk /;c {Ofn/fj]f/fs _^ ,fbGwu]fBp ]nf0/fs fs/;c gnlfs{3bl ]fs]/k fdqGt{yc f0/fs ]fsLbGafsfg tfil]f3c ,kDs'e L/fszfgjl ]fs{fij s{ylfc tu

. 5 ]fs]/k /;c ]fs;oT glk fdof;joJ fdLa 6fa]s;g gpfc fdgnfr~; 6fau+9 tfIl]kc of;joJ ,fgfv/fsns

M fomqltl|k ]fstldl; snfr~; /kp ]f; Pe ]fsPe v]nNp tomkl}s }g"s fdgb]jtl|k f0fIL/kfv]n _&. g}5 tomkl}s oglv]nNp }g"s fdgb]jtl|k f0fIL/kfv]n

(_ tkfj ]f; }jfuc fbGe'g'x tmkh /o]z ]ft:oT ,oN"d tsl+c ]fs/o]z ]ft:oT ,foV+; /o]z ]fsPe tmkh Pe ]fsPe tmkh /o]z tmkh fyt ds/ ]fs]/u tKf|k ]nLgkDs L/u Lmqal /o]z ]f; 5lkPe tmkh /o]z ]ft:oT / ds/ fdDh ]fs]/u tKf|k ]nLgkDs

M f0/jjl ]fs]f; Pe ]fs]/u {ftmkl ds/ tkfa /o]z ]fsPe. g}5 ]fs]/u tmkh /o]z }g's ]nLgkDs

M ds/ ]fsP/lu ;/lfmk;l {gu 8Ffmk8Ffa z+fefn _* vfn %( 8]f/s @=? ;g]fa L/fr{ds 6fa/fhx @( vfn ($ 8]f/s @# =? fmkfg"d n's ]fsPfc g"x 6fa/fa]f/fs ]fs{fij ffIdl; $% vfn &^ 8]f/s )@ =? ds/ ]fsPfc g'x LsFfa tfrZk fy:joJ ]fs/fhx #( vfn ^* 8]f/s * =? /sofc / /fhx %$ ]g'x ]ntztl|k )% ]fsfmkfg"d /f;"gc ($)@ ,g]P fdLa fdds/ ]fs5lk gh]fofd; /fhx ## vfn @ =? /s guy: fd/fhx $#=? ds/ ]fs]x/ fdfi]fs f8]uh fyt fdLa ]fsnfx ]fsLgkDs fd{]gk {"gf; fdfi]fs f8]uh && vfn ## 8]f/s )! =? ds/ /fhx *% vfn ^# 8]f/s ( =? Lufn fsg'x /af/a /fhx #@ vfn @! 8]f/s $$ =? Lh+"k fmQ"r fd/fhx $^ vfn %& 8]f/s fdds/ ]fs5lk gfndl /fhx ## =? {rv twGlaD; uF;{fij s{ylfc ]fnN3lc L/f; fdfi]fs fdLa ds/ mQp ]n]fsPe u"kg qfd vfn %& 8]f/s !!=? ds/ fmkfg"d oU]fo f0/tjl ]gpfc g'x txl; /fhx #^ vfn $$=? fmkfg"d trl+; ]fs{fij s{ylfc tu ds/ ]g'x ]ntztl|k ))=@@ ]fs/fhx #@ vfn @! 8]f/s $$ =? Lh+"k fmQ"r ]fsnfx {Ofn?xjfe"gfxd Lgw/o]z 6fa/fhx %@ ]gV]n {rv fdz+c ]fsefn ulfn fs _gxa- gh]fofd; /s ]gUfn fd]f; fyt /o]z ;g]fa /af/a /fhx (^ vfn )& 8]f/s (=? snfr~; ulfn fsgb]fd"gc fdfe; f0/fwf; s{filfj {gu f0/tjl z+fefn bug /fhx ( vfn !% =? ds/ tztl|k &%!=! /lu tldl fd]fsPf7k Lufn fstl[sLj: ]fstldl; fdLa {Oe z/lfmk;l 6fas7}a }Ffc ^@@ ]fs];a ]tu #÷*÷#&)@ tldl ]fstldl;

@)&#÷*÷ z+fefn bug tztl|k &%!=! fyt /o]z ;g]fa tztl|k ))=@@ ]fsLh+'k fmQ"r ]n]fsPe tKf|k Lt[sLj: 6fa+fxt ]tu ^@. F}f5fs]vf/ ffI]kc ]gGe 5 ]g'x 'gbl/lu t/lfk jft:|k {]gu f0/tjl

. F}f5 fs]/f; fdtfn;fj /fhx % vfn *# =? fmkfg'd ]fs]x/ LsFfa 5lk f0/tal z+fefn bug / /o]z ;g]fa tjlft:|k

]g'x ]ntztl|k )! ]fs/fhx %( vfn )# 8]f/s !!=? fmkfg"d oU]fo f0/tjl ]fs{fij ffIdl; dhl]fda gz{]bgl ]fstldl; fdLa. '5bFpf/u tujc {Ofn?xFfxo f/]fxoA ]fs]/f; fdf8]uh LQkal fxd {Ofn/fhx )! vfn #! 8]f/s !=? ds/

fmkfg ,tfn;fj ]fs #&)÷@&)@=j=fc t't:|k yf; gb]jtl|k ;o Mtc – f0/jjl xfj|k bug ,af;xl ooJ ofc ,af;xl gf;S]fg . F}f5{bu w]f/'gc g'x 'gbl L/u t/lfk t]d; ?xLr';"gc gUn+; yf;gb]jtl|k ]fssfIL/k fv]n fyt

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14

!)_ ]fstly:l ]fs]x/ fdtGc ]fs{fij s{ylfc ]f; / tlu|k ]fs/fa]f/fs ]fsLgkDs sofx; ]fs;o / LgkDs fd{fij s{ylfc tujlMgs]fnjf/g'k

,tfn;fj f0/jjl ]fstly:l ]fs]x/ fdoTGc ]fs{fij s{ylfc ]f; / tlu|k ]fs/fa]f/fs ]fsLgkDs ]fs{fij ;o / {fij s{ylfc tujl ]fs]x/g LgkDs sofx; }g's ]fsLgkDs ;o . 5 ]fsP{Obl fd?xLr";"gc ]fsP/lu gUn+; uF; ]f; fyt af;xl gf;S]fg fmkfg

. '5bFpf/u L/fsgfh f/]fxoJ

!!_ fd/fa]f/fs ]fsLgkDs fdwljc ]f; / ?x/fa]f/fs v'd|k ]fs]/u gGkD; fd{fij s{ylfc ]nLgkDs sofx; ]fs;oT fyt LgkDsMg{tj/lk {f0"kjTxd }g"s ]fsPfc

g{tj/lk {f0'kjTxd }g"s fd/fj]f/fs ]fsLgkDs / ]fsPe qfd of;joJ fdLa gj{hlgl /fa]f/fs ]fsdD;nfx ]fsLgkDs ;o. ]fsPeg

!@_ M L/fsgfh ]fsPf/u wAnkp {OfnLgkDs ]n?xLgw/o]z t"e/fwfc ]fsLgkDs fd{fij s{ylfc tujl. ]fsPeg tKf|k L/fsgfh fi]zal }g"s 6fa?xLgw/o]z

!#_ fd/fa]f/fs /o]z ]fsLgkDs / f0/jjl ]fsjTdlfj: ]fs/o]z ]fsPnl ]n?xL/fswlfbk fyt snfr+; fsLgkDs fd{fij s{ylfc tujlML/fsgfh ]fs]/u tKf|k ]nLgkDs 6fa?xhgl fdwGaD; ]f; Pe ]fs]x/ gUn+; ?xhgl

. ]fs]x/g gUn+; snfr+; }g"s fd/fa]f/fs /o]z ]fsLgkDs!$_ ]fs{yffJ: tumQloJ ]fs/fb]tfg ]fsshlg ]fshgl fyt snfr~; }g"s fd?xft}fme+; twGlaD; uF;LgkDs fd{fij s{ylfc tujl

M f/]fxoJ ]fsL/fsgfh ]fsPOf/u wAnkp fd]/fa. ]fs]x/g {yfj: tumQloJ ]fs/fb]tfg ]fsshlg ]fshgl fyt snfr+; }g's fd?xft}fme+; twGlaD; uF;LgkDs

oN'd tsl+c / foV+; ]fs/o]z ]ft:oT ,f0/fs ]fs{'gu b/lv /o]z ]fgmkfc L/;oT Pe ]fs]/u b/lv ]n+}mkfc /o]z ]fg\mkfc ]nLgkDsM ds/ ]fs]/u LgfmQ'e ]nLgkDs tkfa ]/u b/lv /o]z L/;oT fyt

. ]fs]/ug b/lv ]n+}mkfc /o]z ]fgmkfc ]nLgkDsM f0/jjl t[t:jl ]fs]f; Pe ]fsPe / ]fsPeg fj Pe Lnff0|k f0qGogl s/ltGfc

{gu ty:ljoJ {Ofnf0qGogl s/ltGfc ]nLgkDs . 5 ]fsP{Obl jTxd gpfga ]fn/lb {OfnLnff0|k f0qGogl s/ltGfc ]fsglkDs ]fsLgkDs . 5 ]fsP/lu "ufn {Onl tl[sLj: ]fstldl; fdLj /f;"gc ftsoZjfc {Ofn?xwljl{ofs / ?xLnjfdogljl gGeljl ]fsLgkDs ]ntldl; ]f; /lu g7u ]fstldl; f0fIL/k fv]n fdjTsh]fo+; ]fssnfr~; mQ'ogl 6fa{mkt fsLgw/o]z f0/fwf;{j; {Ofnf0fI/lk fv]n s/ltGfc ]fsLgkDs . 5 ]fs]/u ]gbl gz{]bgl ]fs/f;'gc ftsoZjfc /lu gs+foN"d ]fsfy:jc oQljl |ud;

. 5 ]fsP/lu mQl'ogl {Ofn6G0]60pfsP 8{6fr qGtj: ]]fs/xlfa fbGe LgkDs gpfga {]fbk/e / qGtj:

#&)@ ,fszl{]bgl LwGaD; g;fz"; tufy:+; ]fssdLa L/fh L/u ]g'x "ufn vl]b ]tu ! |bfe nf; #&)@ tldl 6fatldl; fdLa. 5 ]fsP/lu g7u{g'k ?xtldl; gDgl dhl]fda

tldl; f0fIL/kfv]n _ssh]fo+; Lz]fh nglc L> ,snfr~;

tl]foH ßk L> ,snfr~; ;b:o o:b; Lz]fh f0i[s d]fc L> ,snfr~;

tldl; {tz fj]; fyt gkfy:joJ L/fr{ds _vsh]fo+; Lz]fh /fd's {tlLs L> ,snfr~;

o:b; Lb]ft /fd's s]fzc L> ,snfr~; tldl; fd{Lag'k fyt _L;G]eN]f;- fty:j: oQlal ,gkfy:joA dvl]fh _u

sh]fo+; Lz]fh f0[sd]fc L> ,snfr~; o:b; Lz]fh /fd's {tlLs L> ,snfr~;

tldl; LgfmQ"e Lafb _3 sh]fo+; Lb]ft /fd's s]fzc L> ,snfr~;

o:b; 7i]> nfn|bG]hu L> ,snfr~;

!%_

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15

ª_ nufgL ;ldlt . sh]fo+; f5N]fu oGfds]fn L> ,snfr~;

o:b; 7i]> nfn|bG]hu L> ,snfr~;

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dfs ]fs]/u ]ntldl; ]f; ,fwjl"; fyt fQe ,sdl>/lfk ]fs]/u tKf|k ]n?xhgl ,Lnjfdfg ]fs?xo:b; fstldl; f0fIL/kfv]nM f0/jjl ]fs]f; Pe ]fsPbl jfme'; }g's ]ntldl; ]f; / f0/jjl ]fsLxfj/fs

. 5 ]]fsP/lu g7u tldl; f0fIL/k fv]n L/u ]gx/ ?xo:b; gDgl fdLgkDs dhl]fda fy:joJ ]fs #^)@ g]P LgkDs_sh]fo+;- Lz]fh nglc L> snfr+; _s

_o:b;- tl]foH ßk L> snfr+; _v_o:b;- Lz]fh f0i[s d]fc L> snfr+; _u

fQe s7}a ]n/b ]fs ))%,@=? {Ofn?xo:b; oGc / ]n/b ]fs ))),#=? {Ofnsh]fo+; fstldl; f0fIL/kfv]n fd{fij ffIdl; }bpf/u tujc f/]fxoJ ]fs]/u o{f0gl soZjfc L;a s7}a f6j ^ fd{fij ffIdl; ]fstldl; mQp . 5 ]fs]x/ fy:joJ {]gu gfb|k

. \g}5 ]fsP/lu ]gbl fwjl'; Lbfc sdl>/lfk oGc s]xfa ;o . 5 ]fsPe LgfmQ'e ))%,%$=? tkfj fQe s7}a

M f0/jjl ]fs{rv gkfy:joJ n"s ]fs{fij s{ylfc tujl ]fsP/lu v]nNp f0/jjl ]fs{rv gkfy:joJ n"s ]fs{fij s{ylfc tujl fd Æ%æ Lr';"gc ]fsaf;xl gf;S]fg fmkfg ]fsLgkDs ;o

5 .

]fs]x/ gUn+; hgl fj /fb]tfg fsshlg ]fshgl fj Lgw/o]z t"e/fwfc fsLgkDs ,v'd|k L/fs{ofs ,snfr~; wGa|k ,snfr~;M f/'s ]f; Pe LsFfa gpfme'a ds/ }g"s {OfnLgkDs ]nfy:+; t7lu+; fj LgkDs ,{dmk

. \g}5 LsFfa gpfme'a ds/ }g's {OfnLgkDs

!*_

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Mds/ ]fs?xfwjl'; fyt fQe ,sdl>/lfk ]fsP/lu LgfmQ'e {OfnL/fswlfbk fyt v'd|k L/fs{ofs ,snfr~; wGa|k ,snfr~; vfn ^=? tkfj fQe s7}a ]fs?xtldl; gGeljl fyt s7}a ]fstldl; snfr~; {Ofn?xsnfr~; fyt fIoWc fd{fij ffILd;

. 5 ]fsP/lu gfb|k /fhx #! 8]f/s !=? tkfj fwjl'; oGc fyt fQe ,sdl>/lfk {Ofn?xL/fswlfbk fsdD;xt swGa|k fyt t[swlc L/fs{ofs v'd|k }yf;

. 5 ]fsP/lu LgfmQ'e /fhx *& vfn !$

@)_

Mds/ ]fsz+fefn ]fs]x/ LsFfa gnlmel'a ]n?xLgw/o]z nf; #&)@ fd]fs]x/ ()#,)^,^$ =? dD;tGf;d 9ffifc nf; #&)@ z+fefn LsFfa {gu LgfmQ'e {Ofn?xLgw/o]z ]nLgkDs

. 5 ]fs]x/ LsFfa %*$,(!,$$ =? fddD; ]tu !@ {ufd

@!_

. 5 v]nNp fdgb]jtl|k s{ylfc ]fstfn;ffJ M f0/jjl ]fsf/"s ]fs]/u Lmqal fj b/lv LQkD; dhl]]fda !$! fmkb@@_

. ]fsPeg Lx]s Mf0/jjl ]fs/fa]f/fs ]fsPe rLa LgkDs 4aD; dhl]fda %&! fmkb@#_

M f/'s }g's oGc {]gk 'gpfn'v fdgb]jtl|k ]fstldl; snfr+; dhl]fda g"gfs tnlr|k fyt g]P ;o. ]fsPeg Lx]s

@$_

MfdwGaD; g;fz'; tufy:+; L/fh 6fatldl; fdLalgods lgsfo aLdf ;ldlt ldlt @)^(÷)%÷ L/u gkfy:tl|k fI]kf; od; {Ofnfszl{]bgl g;fz'; tufy:+; L/fh fd !)

. F}f5Fpf/u L/fsgfh f/]fxoJ ]fsPfc L/u gnfk/lk ]nk? {f0"k fszl]{bgl LwGjD; g;fz'; tufy:+; ]fssdLa

oXfj ]fs $&)÷#&)@ =j=fc "nfr ]fsLgkDs ;o dhl]fda _#- !!! fmkb ]fs #&)@ g]P LgkDs M;/lfmk;l LmQ"ogl sfIL/kfv]n _s {8{6fr ,7i]> gfd /bG"; L> sfIL/k fv]n fsLgkDs 80P /bG"; L> fd;/lfmk;l ]fstldl; f0fIL/k fv]]n ulfn fs{gu f0fIL/k fv]]n

. F}f5 fs]/u z]k fId; ?xFfxo Lufn fsgb]fd"gc {gu LmQ'ogl /lu {]gu gfb|k ))),)),#=? sdl>/lfk n"s {Ofn60]60pfsPM mQl'ogl t[swlc L/fs{ofs v"d|k _v

]fss7}a +}fc )@@ ]fs];a ]tu #! 9ffifc nf; #&)@ tldl ]fstldl; snfr+; {OfnLq]fI Ls+r L> swGa|kfxd aofg fsLgkDs mQl'ogl fdt[swlc L/fs{ofs v"d|k ]fsLgkDs Lufn fs{fij $ /lu ]g'x"ufn vl]b ]tu *! 9ffifc nf; #&)@ tldl /f;"gfo{f0gl

. }Ff5bFpf/u L/fsgfh ]fsP/luM mQl'ogl /fsxfnN; _u

]fs];a ]tu #! 9ffifc nf; #&)@ tldl ]fstldl; snfr~; {OfntfoG:a /'bfxa f0i[s L> t[swlc L/fs{ofs v"d|k gfd{tjgl ]fsP/lu mQl'ogl fd/fsxfnN; Lufn fs{fia ! /lu ]g'x"ufn vl]b ]tu *! 9ffifc nf; #&)@ tldl /f;"gfo{f0gl ]fss7}a +}fc )@@

. }Ff5bFpf/u L/fsgfh

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M?xf/'s soZjfc oGc@^_


16

odgljl qk]ftwl nfk]g ,{8]fa qk]ftwl ,on{fofs ]fs/f«6ihl/ LgkDs ,tldl; fdLa ,onfqGd {yc ,/fs/; nfk]g fdtlu|k ]fsLgkDs ;o tofun ?xLgkDs fd{Lag"k fyt fdLa Lz]bjl / Lz]bj: ,?xfy:+; oLQal fyt s+}a oHf0lfj ,s+}a «6if/ nfk]g ,ufejl u]fBp ,=nl /fha

. '5{bu gkf1 bfjoGw s{blfx {}bu 6s|k /fefc tl|k u]fox; tKf|k 6fa{ujsxf|u fyt fy:+; 3+; oGc v'd|k gfd{tjgl ,t[swlc L/fs{ofs v"d|k fsLgkDs ;o ]g'x'gbl gfbu]fo yf; fsftnLzgun / L/fbGfdO fdg{4j|k of;joJ ]fsLgkDs. '5Gxfr gbl bfjoGw 6fa{mkt }}gmkfc ]f/]d fyt tldl; snfr~; fd/;jc ;o glk {Ofn?xL/fr{ds {f0"kD; fyt t[swlc L/fs{ofs

{}bu gkf1 bfjoGw {Ofn?xjfe"gfxd Lgw/o]z {f0'kD; fsPe 'gNfk g"x Lufex; fdfe; f0/fwf; ;o glk b'hafa fsftt:oJ ,fdoTGc. }Ff5 t:jZjl Ldfx fd]gGe 5 ]gsDln fdyktlu|k mec fd?xgbl Ldfufc LgkDs ]fo 6fajfme"; oN'dc ]fs?xFfxo

wGojfb .

. /faw'a ,]tu &@ fi}fk nf; #&)@ M tldl

wGojfb 1fkgM

7i]> nfn |bG]husnfr+;

/wGgfd f0i[s df/cWoIf


18

lj=;+= @)%! ;fndf sDkgL btf{ eO{ @)%# ;fn >fj0f @ ut]af6 sf/f]af/ yfn]sf] xfd|f] sDkgLn] @) jif{ k'/f u/]sf] s'/f oxfFx? ;dIf /fVg kfpFbf uj{ dxz'; ePsf] 5 . :yfkgfsfn b]lv g} æ7"nf] xf];\ jf ;fgf], ;'/If0f ;a}sf]Æ eGg] d"n dGqnfO{ cfTd;ft ub}{ ;a} ju{sf aLldtx?nfO{ :tl/o ;]jf k|bfg ub}{ cfPsf] :d/0f u/fpFb5' .

aLdf hLjgsf] cleGg cFu eO{;s]sf] cfhsf] ;Gbe{df ;a} If]qnfO{ ;d]6\b} d'n'ssf ljleGg :yfgdf #@ j6f zfvf / pkzfvf sfof{no vf]ln ;]jf lj:tf/ u/L ;]jf k|bfg ul//x]sf 5f}F / sfof{nox? lj:tf/ ug]{ sfo{nfO{ lg/Gt/tf lbFb} ;]jfnfO{ cem lj:tf/ ug]{5fF} .

aLdf b'Mvsf] ;fyL xf] eGg] r]tgfsf] sdL eO{/x]sf kl/k|]Iodf ut jif{ @)&@ ;fn a}zfvdf uPsf] ljgfzsf/L e"sDk kZrft\ cfd hgdfg;df aLdf ;DaGwdf ;sf/fTds ;f]rsf] ljsf; ePsf] kfO{Psf] 5 . e"sDk kZrft\ aLdf ahf/ sl/j @^ k|ltztn] a9]sf] b]lvG5 .

nufgLstf{x?nfO{ lg/Gt/ ?kdf k|ltkmn k|bfg ug{ ;kmn o; sDkgLsf] cfly{s cj:yf ;an ePsf]n] d'n'sdf uPsf] ljgfzsf/L e"sDksf] cj:yfdf klg ljrlnt geO{ aLldtx?nfO{ b|'t ult (Fast Track) df bfjL e'QmfgL u/L z]o/wgLx?nfO{ k|ltkmn ;d]t k|bfg ug{ ;s]sf]df xfdLnfO{ ;Gtf]if nfu]sf] 5 .

sDkgLsf] cfly{s kIfnfO{ ;an kfb}{ n}hfg k"+hL a[l4 ug]{ of]hgf cg'?k o;} ;fwf/0f ;efdf ;j{;fwf/0f z]o/wgLx?nfO{ lk|ldod d"No (Further Public Offer) df z]o/ hf/L u/L k"+hLa[l4 ug{ oxfFx?af6 clwsf/ k|Tofof]hgsf nflu k|:tfj k]z u/]sf 5fF} . o;af6 sDkgLsf] Networth sf ;fy} hf]lvd wf/0f (Retention ) Ifdtf a[l4 x'g] tyf sDkgLsf] aLdf Joj;fo ;d]t a[l4 x'g]df xfdL ljZj:t 5f}+ .

cGTodf, lgodg lgsfo aLdf ;ldlt, cy{ dGqfno, g]kfn /fi6« a}+s, a}+s tyf ljlQo ;+:yfx?, sDklg /lhi6«f/ sfof{no, g]kfn lwtf]kq af]8{, g]kfn lwtf]kq ljlgdo ahf/ ln=,CDS & Clearing Ltd., :jb]zL tyf ljb]zL aLdf tyf k"gaL{df sDkgLx? nufot ;DalGwt lgsfox?af6 xfdLnfO{ k|fKt ;xof]u, ;'emfjsf nflu cfef/ JoQm ub{5' .

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19

aLdf b'Mvsf] ;fyL xf] eGg] r]tgfsf] sdL eO{/x]sf] kl/k|]Iodf ut jif{ @)&@ ;fn a}zfvdf uPsf] ljgf;sf/L e"sDk kZrft\ cfd hgdfg;df aLdf ;DaGwdf ;sf/fTds ;f]rsf] ljsf; ePsf] kfO{Psf] 5 .

19


20

>Ln+sfsf] ;]lnGsf] O{G:of]/]G; lk=Pn=l;;Fusf] ;+o'Qm nufgLdf ;~rflnt o; sDkgLn] aLdf ;]jfsf] @ bzs k'/f u/]sf] 5 . o;} aLr xfdLn] d'n'ssf lxdfn, kxf8 tyf t/fO{df u/L #@ j6f zfvf tyf pk zfvfx?af6 aLdf ;]jf pknAw u/fpFb} cfPsf 5f}F / cfufdL lbgx?df æ7"nf] xf];\ jf ;fgf], ;'/If0f ;a}sf]Æ eGg] d'n dGqsf ;fy qmdzM zfvf lj:tf/ ub}{ aLdf ;]jfnfO{ hg:t/;Dd k'¥ofpg xfdL sl6a4 5f}F .

d'n'ssf s]xL If]qdf ut cfly{s jif{df uPsf] ljgfzsf/L e"sDkaf6 o; sDkgLsf aLldtx? dWo] sl/a #,))) aLldtx?sf] ef}lts ;DkQLsf] Iflt eO{ bfaL k/]sf]df xfn;Dd (% k|ltzt bfaLx? km5\of{}6 ul/ ;s]sf 5f}F . pxfFx?sf] w}o{tf tyf bfaL km5\of}{6 ug{ k|fKt ;xof]usf] nfuL cfef/ k|s6 ug{ rfxG5' .

sDkgLn] Joj;fo lj:tf/sf] nflu gofF gofF of]hgfx? nfu' ug]{ gLlt cg'?k oxL @)&# ;fn >fj0f @% ut]af6 sDkgLn] ;jf/L aLdf cGtu{t "Sagarmatha VIP On The Spot" of]hgf ;~rfngdf NofPsf] hfgsf/L u/fpFb} o; of]hgfaf6 sDkgLdf kg{ cfpg] bfaLx?sf] km5\of{}6 tTsfn x'g] x'Fbf aLldtx?df sDkgL k|ltsf] ljZjf; cem a9\g uO{ sDkgLsf] Joj;fo lj:tf/df /fd|f] 6]jf k'Ug] ljZjf; lnPsf 5f}F . o; of]hgfsf] ;sf/fTds k|efj qmlds ?kdf b]lvg yfn]sf] xfdLn] dxz'; u/]sf 5f}F . aLldtx?sf] lxtnfO{ Wofgdf /fvL sDkgLn] k|bfg ug]{ ;]jfx?df ;dofg';f/ kl/dflh{t ub}{ nfg] k|lta4tf JoQm ub{5f}F . xfdLn] lgodg lgsfosf] lgb]{zg ;d]tnfO{ Wofgdf /fvL n3' aLdf, afnL tyf kz"k+IfL aLdfnfO{ dxTjsf ;fy k|fyldstfdf /fv]sf 5f}F .

cGTodf, lgodg lgsfo aLdf ;ldlt, cy{ dGqfno, g]kfn /fi6« a}+s, a}+s tyf ljlQo ;+:yfx?, sDkgL /lhi6«f/ sfof{no, g]kfn lwtf]kq af]8{, g]kfn lwtf]kq ljlgdo ahf/ ln= ,CDS & Clearing Ltd., :jb]zL tyf ljb]zL aLdf tyf k"gaL{df sDkgLx? nufot ;DalGwt lgsfox?af6 xfdLnfO{ k|fKt ;xof]u, ;'emfjsf nflu cfef/ JoQm ub{5' .

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21

"Sagarmatha VIP On The Spot" of]hgf ;~rfngdf NofPsf] hfgsf/L u/fp“b} o; of]hgfaf6 sDkgLdf kg]{ bfaLx?sf] km5\of{}6 tTsfn xg] x'“bf aLldtx?df sDkgL k|ltsf] ljZjf; cem a9\g uO{ sDkgLsf] Joj;fo lj:tf/df /fd|f] 6]jf k'Ug] ljZjf; lnPsf 5f}“ . o; of]hgfsf] ;sf/fTds k|efj qmlds ?kdf b]lvg yfn]sf] xfdLn] dxz'; u/]sf 5f}“ .

21

;u/dfyf OG:of]/]G; sDkgL lnld6]8sfz]o/wgL dxfg'efjx¿ ;dIf n]vfk/LIfssf] k|ltj]bg

;'Gb/dfg >]i7, Pkm=l;=P=;fem]bf/rf6{8{ Psfp06]06\;lgM ;'Gb/ P08 sDkgL

ldltM @)&#÷)*÷)^

!= ljQLo ljj/0fdfly k|ltj]bgxfdLn] o;} ;fy ;+nUg ;u/dfyf OG:of]/]G; sDkgL lnld6]8sf] ljQLo ljj/0fx¿, ;f];+u ;dflji6 #! cfiff9 @)&# sf] jf;nft tyf ;f]xLldltdf ;dfKt cfly{s jif{sf] gfkmf–gf]S;fg lx;fa, ;DalGwt cfo–Joo lx;fax¿, :jfldTj sf]ifdf ePsf] kl/jt{g, gub k|jfx ljj/0f tyfdxŒjk"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/bfloTjk|rlnt sfg"gsf] clwgdf /xL g]kfn n]vfdfg cg';f/ oL ljQLo ljj/0fx¿ tof/ ug]{ tyf ;xL 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'l6k"0f{ /lxt ljQLo ljj/0f tof/ ug{ tyf k|:t't ug{ cfjZoscfGtl/s lgoGq0f k|0ffnLsf] agfj6, sfof{Gjog / sfod ug]{, pko'Qm n]vf gLltsf] 5gf}6 Pj+ k|of]u tyf kl/l:ylt cg'¿k plrt n]vf cg'dfgsf]k|of]u klg ;dfj]z x'G5 .

#= n]vfk/LIfssf] pQ/bfloTjn]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'l6k"0f{ k|:t'lt /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{tljQLo 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] sfo{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] sDkgLsf] ljQLo ljj/0fsf] tof/L / ;xL k|:t'lts/0f;+u ;DalGwtcfGtl/s lgoGq0fsf] k|efjsfl/tf dfly ljrf/ JoQm gug]{ u/L cfGtl/s lgoGq0fsf] dgg ub{5 . Joj:yfkgn] k|of]u u/]sf] n]vf gLltsf] pko'Qmtftyf n]vf cg'dfgsf] cf}lrTotfsf] ;fy} ljQLo ljj/0fx¿sf] ;du| k|:t'lts/0fsf] d"NofÍg klg n]vfk/LIf0fdf ;dfj]z x'G5 . n]vfk/LIf0fn]xfd|f] dGtJonfO{ kof{Kt cfwf/ k|bfg ug]{ s'/fdf xfdL ljZj:t 5f}+ .

$= cGo sfg"gL tyf lgodgsf/Lsf] k|ltj]bg cfjZostf dflysf] tf]s]sf] s'/fx¿ pk/sf] k|ltj]bgpk/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 jf;nft, gfkmf–gf]S;fg lx;fa, ;DalGwt cfo–Joo lx;fax¿ tyf gub k|jfx ljj/0f aLdf ;ldltn] tf]s]sf] 9f“rfdf tof/

ePsf 5g\ . k|:t't ljQLo ljj/0fx¿ sDkgLn] /fv]sf] lx;fa lstfax¿;+u b'?:t 5g\ .u_ xfd|f] /fodf, sDkgLn] k|rlnt sfg"g adf]lhd lx;fa lstfa 7Ls;+u /fv]sf] 5 tyf ljleGg zfvf sfof{nox¿af6 k|fKt ljj/0fx¿

n]vfk/LIf0fsf] lgldQ kof{Kt 5g\ .3_ xfd|f] /fodf, xfdLn] k|fKt u/];Ddsf] ;"rgf, :kli6s/0f / sDkgLsf] lx;fa lstfasf] n]vfk/LIf0f ubf{ sDkgLsf] s'g} kbflwsf/L jf sd{rf/Ln]

n]vf;DaGwL sfg"g Joj:yf lj¿4 sfdsfh u/]sf] jf sDkgLnfO{ xflg–gf]S;fgL k'¥ofPsf] jf sDkgLsf] sf]ifsf] lxgfldgf u/]sf] xfd|f]hfgsf/Ldf cfPsf] 5}g .

ª_ xfdLnfO{ k|fKt hfgsf/L tyf :kli6s/0f cg';f/ sDkgLn] aLdf ;ldltn] lbPsf] lgb]{zg cg'¿k sfo{ u/]sf] 5 .r_ xfd|f] /fodf sDkgLn] c;dfKt hf]lvdsf] nflu kof{Kt hu]8f aLdf P]g÷lgodfjnL adf]lhd /fv]sf] 5 .

%= ljQLo ljj/0f pk/ n]vfk/LIfssf] /foMxfd|f] /fodf tyf xfdLn] kfP;Ddsf] ;"rgf Pj+ :kli6s/0fsf] cfwf/df k|rlnt sfg"gsf clwgdf /xL nfu" ug{ ;lsg] xb;Dd ;+nUg ;u/dfyfOG:of]/]G; sDkgL lnld6]8sf] ljQLo ljj/0fx¿ g]kfn n]vfdfg cg';f/ tof/ kfl/Psf] 5 / ;f]df ;+nUg ul/Psf l6Kk0fLx¿sf] clwgdf, oLljj/0fx¿n] #! cfiff9 @)&# -!% h'nfO{ @)!^_ sf] sDkgLsf] ljQLo cj:yf / ;f]xL ldltdf ;dfKt ePsf] cjlwsf] ;+rfng glthf Pj+ gubk|jfxsf] oyfy{ tyf plrt lrq0f ub{5 .

k'Nrf]s -drfuf_nlntk'/ @)÷* 3kf]=a=g+= #!)@ sf7df08f}+, g]kfn

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7"nf] xf];\ jf ;fgf] ;'/If0f ;a}sf]

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@)cf}+ jflif{s k|ltj]bg @)&@÷&#

;u/dfyf OG:of]/]G; sDkgL lnld6]8@)&# ;fn cfiff9 d;fGtsf] jf;nft

qm=;+= cg';"rL o; jif{ljj/0f

;|f]t!= r'Qmf k"“hL !# $$,!@,@@,()) #%,^%,$#,*))@= hu]8f tyf sf]if !$ !%,&!,&),!($ !$,%@,)%,!*$#= aLdf sf]if !@ #(,!&,@@,$@% @(,*),^#,($&$= dxf–ljklQ hu]8f !% @,*),&(,$(( !,^&,^(,(*@%= ltg{ af“sL bL3{sfnLg C0f tyf ;fk6L !^ – –

��s'n ;|f]t !,)!,*!,(%,)!* *!,^%,*@,(!#pkof]u

^= l:y/ ;DklQ -v'b_ !& *,^!,!(,%^& *,&^,@(,&**&= bL3{sfnLg nufgL !* @^,!*,(),*%^ #@,%#,(#,*%^*= bL3{sfnLg shf{ @) – –

rfn' ;DklQ shf{ tyf k]ZsLx¿M – –(= gub tyf a}+s df}Hbft !( !#,)),@@,@^! !$,$$,!@,)#)!)= cNksfnLg nufgL !* *#,%*,@!,@#% !,)*,%%,)%,^((!!= cNksfnLg shf{ @) – –!@= cGo ;DklQ @! !,@&,&*,&^,$)$ &%,&$,*&,%^&

��hDdf -s_ -(±!)±!!±!@_ @,@$,#&,!(,()) !,(*,&$,)%,@(^rfn' bfloTj tyf Joj:yfx¿M

!#= rfn' bfloTj @@ #*,)%,@),)#$ #@,%*,!&,&)#!$= c;dfKt hf]lvd jfkt Joj:yf @# @&,)%,$#,!($ @^,^&,((,!)&!%= e'QmfgL x'g af“sL bfjL jfkt Joj:yf ^ $@,@!,!(,($% ^!,*!,@^,))#!^= cGo Joj:yf @#…sÚ %),)$,%@,(#@ #&,#@,%$,$!#

��hDdf -v_ -!#±!$±!%±!^_ !,%&,#^,#^,!)% !,%*,#(,(&,@@^!&= v'b rfn' ;DklQ -u_ -s_ – -v_ ^&,)),*#,&(% $),#$,)*,)&)!*= ckn]vg jf ;dfof]hg x'g af“sL ljljw vr{x¿ @$ !,)),*)) !,%!,!((!(= gfkmf–gf]S;fg lx;faaf6 ;f/]sf] gf]S;fg – –

��s'n pkof]u -^±&±*±!&±!*±!(_ !,)!,*!,(%,)!* *!,^%,*@,(!#

;+efljt bfloTjx? / cg';"rL ^ tyf !@ b]lv @^ ;Dd o;sf cleGg c+u x'g\ .

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r'Qmf jf e'QmfgL x'g af“sL nufgL — —k|Tofe"lt k|ltj4tf — —aLdfn]v cGtu{t eGbf afx]saf6 aLds pk/ bfjL k/]sf] t/ aLdsn]bfloTj :jLsf/ gu/]sf] — —aLdsn] jf aLdssf] tkm{af6 lbOPsf] Uof/]06L — —cGo -ljj/0f v'nfpg]_ *(,*^,&@$ &$,%!,)))

hDdf *(,*^,&@$ &$,%!,)))

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;u/dfyf OG:of]/]G; sDkgL lnld6]8@)&@ >fj0f ! ut]b]lv @)&# cfiff9 #! ut];Ddsf] gfkmf–gf]S;fg lx;fa

cg';"rL @, % tyf & b]lv !@, !$, !% ;Dd o;sf cleGg c+u x'g\ .

ut jif{cg';"rL o; jif{ljj/0fqm=;+=

cfDbfgL!= cfo–Joo lx;faaf6 ;f/]sf] gfkmf÷-gf]S;fg_ & #),^&,(),@@% #,!$,!&,!(^@= nufgL shf{ tyf cGoaf6 cfo @ @,(&,^^,(!* &,)%,$*,$^&#= Joj:yf lkmtf{ * @#,@&,&)* @,*!,)^#$= cGo cfDbfgL -ljj/0f v'nfpg]_ – –

��hDdf cfDbfgL -s_ ##,**,*$,*%! !),@@,$^,&@^vr{

%= Joj:yfkg vr{ % !,@#,)@,!)( !,)!,(!,)^)^= ckn]vg vr{ ( %),#(( %),#((&= z]o/ ;DaGwL vr{ (…sÚ #,)$,^$% $,%^,^)%*= cGo vr{x¿ !) ^&,))) $,$@,#^*(= gf]S;fgLsf] nflu Joj:yf !! !!,^(,@)( @^,)*,&&!!)= sd{rf/L cfjf; Joj:yf – –!!= sd{rf/L af]g; Joj:yf @,(%,$$,^*! *),$%,@@(!@= ;dfof]lht cfos/ -c_ -cf_ – -O_ *,*^,(#,!^@ %#,((,^%)

cf_ cfos/ *,*(,@^,!$# ^$,^*,#%&O_ :yug s/ ;DklQ÷-bfloTj_ @,#@,(*! !),^*,&)&��hDdf vr{ -v_ !#,@!,#!,@)% @,&!,($,)*@v'b gfkmf ÷-gf]S;fg_ -u_ -s_ – -v_ @),^&,%#,^$^ &,%),%@,^$$

!#= s_ aLdf sf]ifdf ;f/]sf] !@ (,#^,%*,$&* #,&%,@^,#@@v_ aLdf hu]8fdf ;f/]sf] !$ – –

!$= cl3Nnf] jif{;+u ;DalGwt vr{ #@,%(! #&,$#,)(^!%= cl3Nnf] jif{af6 ;fl/Psf] gfkmf÷-gf]S;fg_ $$,^@,^*% ^,$^,#^,&$*

af“8kmf“8sf] nflu pknAw /sd !!,&%,@%,@^@ (,*$,!(,(&$!^= -s_ :yug s/ hu]8f !$ @,#@,(*! !),^*,&)&

-v_ k"“hLsf]if !$ – –-u_ ljz]if hu]8f !$ – –-3_ cGo hu]8f -ljj/0f v'nfpg]_ !$ – –-ª_ k|:tfljt af]g; z]o/÷nfef+z – – -c_ af]gz z]o/ !$ (,&),^(,)#* *,$^,&(,!%#

-cf_ gub nfef+z @#-s_ %!,)*,*(& $$,%^,&(&-r_ dxf–ljklQ hu]8f !% !,!#,)(,%!& #&,%@,^#@

!&= jf;nftdf ;f/]sf] gfkmf÷-gf]S;fg_ #*,)$,*@( $$,^@,^*%

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Plss[t aLdfsf] cfo–Joo lx;fa

cg';"rL ! b]lv ^ ;Dd o;sf cleGg c+u x'g\ .

qm=;+= cg';"rL o; jif{ ut jif{ljj/0f

cfo!= aLdfz'Ns -v'b_ ! %#,(!,*@,%#* %@,@^,^&,$^^@= k'gaL{df sldzg cfo !%,%@,)!,%#$ !&,@(,&(,&*^#= nufgL, shf{ tyf cGoaf6 cfo @ #,(@,(^,@$! *,&^,*),$$!$= cGo k|ToIf cfo !&,@#,*#) (,%),!^*%= cfly{s jif{sf] z'?sf] e'QmfgL x'g af“sL bfjL jfkt Joj:yf ^!,*!,@^,))# @!,*!,(),^)%^= cfly{s jif{sf] z'?sf] c;dfKt hf]lvd jfkt Joj:yf @^,%*,$&,!*@ @#,%!,&(,$)^

��hDdf cfo -s_ !,^!,(#,&&,#@* !,@#,&^,$&,*&@Joo

&= bfjL e'QmfgL -v'b_ # $&,#@,*$,#*@ !^,&$,@!,#)%*= clestf{ sldzg #,)^,((,(^# ^,!!,%!,))&(= k'gaL{df sldzg vr{ &,@^,@)& !!,($,&^^!)= ;]jf z'Ns -v'b_ $ %$,$^,#%% %@,*$,#@#!!= cGo k|ToIf vr{ – –!@= Joj:yfkg vr{ % !!,)&,!*,(*@ (,!&,!(,%#(!#= cfly{s jif{sf] cGTodf e'QmfgL x'g af“sL bfjL jfkt Joj:yf ^ $@,@!,!(,($% ^!,*!,@^,))#!$= cfly{s jif{sf] cGTodf c;dfKt hf]lvd jfkt Joj:yf @^,(%,(!,@^( @^,!#,##,&##

��hDdf Joo -v_ !,#!,@%,*&,!)# !,@),^@,#),^&^!%= gfkmf–gf]S;fg lx;fadf ;f/]sf] jrt÷-gf]S;fg_ -s_–-v_ #),^&,(),@@% #,!$,!&,!(^

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clUg aLdfsf] cfo–Joo lx;fa


cfo!= aLdfz'Ns -v'b_ ! !%,!%,*$,^@$ !*,*(,^%,!@$@= k'gaL{df sldzg cfo #,$!,^!,%($ %,*^,@*,!&(#= nufgL, shf{ tyf cGoaf6 cfo @ !,#&,#!,!*% @,&$,^#,)!$$= cGo k|ToIf cfo @,%),)#$ @,*$,!@(%= cfly{s jif{sf] z'?sf] e'QmfgL x'g af“sL bfjL jfkt Joj:yf $!,$),^),@@* !,!),@$,^$$^= cfly{s jif{sf] z'?sf] c;dfKt hf]lvd jfkt Joj:yf (,$$,*@,%^@ &,&*,**,(!#

��hDdf cfo -s_ &),*@,&),@@& #^,$@,%$,))#Joo

&= bfjL e'QmfgL -v'b_ # #),(#,)@,*() @,%),^*,!%#*= clestf{ sldzg !,!@,!%,#)) @,!@,)&,^($(= k'gaL{df sldzg vr{ !,*^,#@* %,($,@*!!)= ;]jf z'Ns -v'b_ $ !%,##,!%% !(,!$,&)(!!= cGo k|ToIf vr{ – –!@= Joj:yfkg vr{ % #,&$,!!,@$^ #,)*,(%,)))!#= cfly{s jif{sf] cGTodf e'QmfgL x'g af“sL bfjL jfkt Joj:yf ^ !%,($,^#,$&! $!,$),^),@@*!$= cfly{s jif{sf] cGTodf c;dfKt hf]lvd jfkt Joj:yf &,%&,(@,#!@ (,$$,*@,%^@

��hDdf Joo -v_ %(,$(,)$,&)@ %*,*@,@@,^@&!%= gfkmf–gf]S;fg lx;fadf ;f/]sf] jrt÷-gf]S;fg_ -s_–-v_ !!,##,^%,%@% -@@,#(,^*,^@$_

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;fd'lb|s aLdfsf] cfo–Joo lx;fa


cfo!= aLdfz'Ns -v'b_ ! (&,*#,^$@ -#*,$@,!*(_@= k'gaL{df sldzg cfo $,)),##,&(! $,%@,%$,^$!#= nufgL, shf{ tyf cGoaf6 cfo @ !^,(&,)$@ $#,*(,!&)$= cGo k|ToIf cfo !%,##! !#,^$)%= cfly{s jif{sf] z'?sf] e'QmfgL x'g af“sL bfjL jfkt Joj:yf @&,*&,&(% @),*#,$&@^= cfly{s jif{sf] z'?sf] c;dfKt hf]lvd jfkt Joj:yf @%,(@,#%% @#,**,!%!

��hDdf cfo -s_ %,^(,)(,(%^ %,)@,*^,**%Joo

&= bfjL e'QmfgL -v'b_ # !&,#@,^^# ^,$%,&@%*= clestf{ sldzg @%,(%,$@^ $@,&@,)&*(= k'gaL{df sldzg vr{ !,*$,^)# !,$!,%&&!)= ;]jf z'Ns -v'b_ $ !,)&,^)! -#@,!^@_!!= cGo k|ToIf vr{ – –!@= Joj:yfkg vr{ % *$,&$,^*% ^&,%*,()*!#= cfly{s jif{sf] cGTodf e'QmfgL x'g af“sL bfjL jfkt Joj:yf ^ %),!!,*%* @&,*&,&(%!$= cfly{s jif{sf] cGTodf c;dfKt hf]lvd jfkt Joj:yf $*,(!,*@! -!(,@!,)($_

��hDdf Joo -v_ @,@(,(*,^%& !,@^,%@,*@&!%= gfkmf–gf]S;fg lx;fadf ;f/]sf] jrt÷-gf]S;fg_ -s_–-v_ #,#(,!!,@(( #,&^,#$,)%*

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df]6/ aLdfsf] cfo–Joo lx;fa


cfo!= aLdfz'Ns -v'b_ ! #^,*&,@%,%$@ #!,*#,*@,^@!@= k'gaL{df sldzg cfo !,&%,!!,!*( !,@$,(!,))$#= nufgL, shf{ tyf cGoaf6 cfo @ @,!!,^@,))@ $,(!,^&,#*%$= cGo k|ToIf cfo #,$$,$)# @,&(,*&(%= cfly{s jif{sf] z'?sf] e'QmfgL x'g af“sL bfjL jfkt Joj:yf !(,$(,%#,$%* @),)*,&(,*&(^= cfly{s jif{sf] z'?sf] c;dfKt hf]lvd jfkt Joj:yf !%,(!,(!,#!) !$,*(,$%,$*&

��hDdf cfo -s_ &^,!*,*&,()$ &#,)!,$^,@%%Joo

&= bfjL e'QmfgL -v'b_ # !%,^%,(),*)( !#,&(,)@,&(**= clestf{ sldzg &(,(#,^#$ @,$@,@!,^!^(= k'gaL{df sldzg vr{ $@,@%@ #$,@##!)= ;]jf z'Ns -v'b_ $ #^,(@,$)& #!,*&,((!!!= cGo k|ToIf vr{ – –!@= Joj:yfkg vr{ % $,^@,(*,^)! #,$@,@*,#&)!#= cfly{s jif{sf] cGTodf e'QmfgL x'g af“sL bfjL jfkt Joj:yf ^ @$,%),)$,%$* !(,$(,%#,$%*!$= cfly{s jif{sf] cGTodf c;dfKt hf]lvd jfkt Joj:yf !*,$#,^@,&&! !%,(!,(!,#!)

��hDdf Joo -v_ ^$,#(,*%,)@@ %%,#&,!(,&&^!%= gfkmf–gf]S;fg lx;fadf ;f/]sf] jrt÷-gf]S;fg_ -s_–-v_ !!,&(,)@,**@ !&,^$,@^,$&(

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OlGhgLol/· aLdfsf] cfo–Joo lx;fa


cfo!= aLdfz'Ns -v'b_ ! *,&!,$^@ ^,#@,^$&@= k'gaL{df sldzg cfo !,@@,!@,%!@ !,*^,^#,(@!#= nufgL, shf{ tyf cGoaf6 cfo @ #,^#,^%$ !^,#),&(&$= cGo k|ToIf cfo %@,#$) #^*%= cfly{s jif{sf] z'?sf] e'QmfgL x'g af“sL bfjL jfkt Joj:yf !&,*),@%* (,!^,!((^= cfly{s jif{sf] z'?sf] c;dfKt hf]lvd jfkt Joj:yf #,!^,#@# @,%*,#*@

��hDdf cfo -s_ !,%%,(^,%$( @,@!,)@,#!$Joo

&= bfjL e'QmfgL -v'b_ # !*,)^,)%* %,*),*##*= clestf{ sldzg #$,&(,#*) @^,*%,$^@(= k'gaL{df sldzg vr{ !,!&^ %,&&!!)= ;]jf z'Ns -v'b_ $ *,*$^ ^,*!*!!= cGo k|ToIf vr{ – –!@= Joj:yfkg vr{ % &^,(!,#*$ (*,!#,*^^!#= cfly{s jif{sf] cGTodf e'QmfgL x'g af“sL bfjL jfkt Joj:yf ^ !!,!^,)(@ !&,*),@%*!$= cfly{s jif{sf] cGTodf c;dfKt hf]lvd jfkt Joj:yf $,#%,&#! #,!^,#@#

��hDdf Joo -v_ !,$%,#*,^^& !,%!,*(,##!!%= gfkmf–gf]S;fg lx;fadf ;f/]sf] jrt÷-gf]S;fg_ -s_–-v_ !),%&,**@ ^(,!@,(*#

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xjfO{ aLdfsf] cfo–Joo lx;fa


cfo!= aLdfz'Ns -v'b_ ! #!,$!! #%,!&^@= k'gaL{df sldzg cfo !&,)!& @,^@,@^!#= nufgL, shf{ tyf cGoaf6 cfo @ !,&&@ #$,#*#$= cGo k|ToIf cfo – –%= cfly{s jif{sf] z'?sf] e'QmfgL x'g af“sL bfjL jfkt Joj:yf – –^= cfly{s jif{sf] z'?sf] c;dfKt hf]lvd jfkt Joj:yf !&,%** ^%,!&&

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cfo!= aLdfz'Ns -v'b_ ! ^^,)),$@* !,!!,^%,(%*@= k'gaL{df sldzg cfo $,**,$$,%%( #,&^,&(,&*!#= nufgL, shf{ tyf cGoaf6 cfo @ @!,(),^&# $$,#^,@&#$= cGo k|ToIf cfo !),^!,&@@ #,&@,!%@%= cfly{s jif{sf] z'?sf] e'QmfgL x'g af“sL bfjL jfkt Joj:yf #%,&#,*)@ #@,%&,$)*^= cfly{s jif{sf] z'?sf] c;dfKt hf]lvd jfkt Joj:yf %%,*@,(&( %!,*(,@^^

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kz'k+IfL tyf afnL aLdfsf] cfo–Joo lx;fa


cfo!= aLdfz'Ns -v'b_ ! !%,*%,$@( &#,@*,!@(@= k'gaL{df sldzg cfo @$,@),*&@ –#= nufgL, shf{ tyf cGoaf6 cfo @ !,$(,(!# %,%(,$!($= cGo k|ToIf cfo – –%= cfly{s jif{sf] z'?sf] e'QmfgL x'g af“sL bfjL jfkt Joj:yf (,&),$^@ @(,))#^= cfly{s jif{sf] z'?sf] c;dfKt hf]lvd jfkt Joj:yf #^,^$,)^% $,$$,)#)

��hDdf cfo -s_ *&,(),&$! *#,^),%*!Joo

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Go"gM c;'n x'g af“sL aLdfz'Ns d'NtaL (Suspense) – –!!= cGo -ljj/0f v'nfpg]_ – –

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hDdf !,@&,&*,&^,$)$ &%,&$,*&,%^&

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%!

c;dfKt hf]lvd Joj:yf cg';"rL– @#


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@= ;fd'lb|s aLdfsf] c;dfKt hf]lvd hu]8f

rfn' cf=j=sf] $*,(!,*@! -!(,@!,)($_

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hDdf %*,$#,&$^ #%,$$,@*)

#= df]6/ aLdfsf] c;dfKt hf]lvd hu]8f !*,$#,^@,&&! !%,(!,(!,#!)

$= OlGhgLol/¨ aLdfsf] c;dfKt hf]lvd hu]8f $,#%,&#! #,!^,#@#

%= xjfO{ aLdfsf] c;dfKt hf]lvd hu]8f !%,&)^ !&,%**

^= ljljw aLdfsf] c;dfKt hf]lvd hu]8f ##,)),@!$ %%,*@,(&(

&= n3' aLdfsf] c;dfKt hf]lvd hu]8f &,(@,&!% #^,^$,)^%

��hDdf @&,)%,$#,!($ @^,^&,((,!)&

rfn' bfloTj cg';"rL– @@


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-s_ kl/ro;u/dfyf OG:of]/]G; sDkgL lnld6]8 (Sagarmatha Insurance Company Limited) -o; kl5 æsDkgLÆ elgPsf]_ g]kfndf:yflkt ;Lldt bfloTj ePsf] lghL{jg aLdf sDkgL xf] . o;sf] /lhi6{8{ sfof{no gS;fn, sf7df8f}+df /x]sf] 5 . of]sDkgL g]kfn lwtf]kq ljlgdo ahf/ lnld6]8df ;"lrs[t ePsf] tyf o; sDkgLn] aLdf ;ldltaf6 aLdf P]g, @)$(sf] bkmf !) sf] pkbkmf # tyf aLdf lgodfjnL, @)$( sf] lgod * sf] pklgod -!_ adf]lhd lghL{jg aLdf Joj;fo;+rfng ug{ ldlt @)%# ;fn cfiff9 !@ ut]af6 :jLs[lt k|fKt u/]sf] xf] .cfly{s jif{ @)&@ ;fn >fj0f ! ut]b]lv @)&# ;fn cfiff9 #! ut];Ddsf] ;+nUg ljQLo ljj/0fx¿ o; sDkgLsf] ;+rfns;ldltsf] a}7sn] ldlt @)&# ;fn d+l;/ # ut] kfl/t u/]sf] xf] .

!= ljQLo ljj/0f tof/Lsf cfwf/x¿Mo; sDkgLsf] ljQLo ljj/0fx¿ P]ltxfl;s d"No cjwf/0ff (Historical Cost Convention) / Joj;fosf] lg/Gt/tf (Going

Concern) sf] cfwf/df :ki6 ¿kdf n]vf ;DaGwL l6Kk0fLx¿ cGoyf pNn]lvt ul/Psf]df afx]s k|f]befjL (Accrual) cfwf/dfn]vfÍg u/L ;fdfGotof ;j{dfGo n]vfsf l;4fGtx¿ (Generally Accepted Accounting Principles), g]kfn rf6{8{ PsfpG6]G6;+:yfaf6 hf/L g]kfn n]vfdfg (Nepal Accounting Standards- NAS), aLdf P]g @)$(, aLdf lgodfjnL, @)$(, sDkgLP]g, @)^# tyf aLdf ;ldltsf] ljQLo ljj/0f ;DaGwL lgb]{lzsfsf] clwgdf aLdf Joj;fodf /x]sf] k|rng ;d]tnfO{Wofgdf /flv tof/ ul/Psf] 5 .

@= l:y/ ;DklQ n]vf°g gLltMl:y/ ;DklQx¿ P]ltxfl;s d"No cjwf/0ffsf cfwf/df nfut d"Nodf ¥xf; s§L u/L b]vfOPsf] 5 . ;DklQ k|fKt ug{sf]nflu ul/Psf] vr{ tyf :yfkgf vr{nfO{ nfut d"Nodf k"“hLs/0f ul/Psf] 5 .

#= ¥xf; s§L gLltMrfn' cf=j=df ylkPsf l:y/ ;DklQx¿sf] ¥xf; s§L cfos/ P]g, @)%* åf/f lgb]{lzt b/ tyf tl/sf cg';f/ 36\bf] d"Nok|0ffnL (Diminishing Balance Method) sf] cfwf/df ¥xf; s§L ul/Psf] 5 .

$= k"“hLs[t gul/g] ;DklQx¿sf] n]vf°g gLltMsDkgLn] k|lt OsfO ¿= @,))) ;Dd d"No kg]{ ;fdfgx¿ k"“hLut k|s[ltsf] eP klg k|s[lt x]/L vl/b ePs} jif{df vr{n]Vg] gLlt lnOPsf] 5 .

%= cfos/ Joj:yf gLltMrfn' s/

o; sDkgLn] cfos/ P]g, @)%* tyf tTkZrft\ cfos/ P]gdf ePsf] ;+zf]wgsf] clwgdf /xL cfos/ Joj:yf u/]sf]5 . tyflk ljQLo ljj/0fdf pNn]v ul/Psf] s/, s/ n]vfk/LIf0f tyf cfGtl/s /fhZj sfof{noaf6 lgwf{/0f ul/Psf]s/eGbf km/s x'g cfPdf ;f]xL jvt cfjZos ;dfof]hg ug]{ gLlt lnOPsf] 5 .

:yug s/

ljQLo ljj/0f cg';f/sf] ;DklQ tyf bfloTjsf] /sd tyf s/sf cfwf/ aLr km/s eO{ l;h{gf x'g] c:yfoL cGt/(Temporary Difference) sf] sf/0fn] eljiodf l;h{gf x'g] s/ bfloTj tyf ;DklQsf] nut /fVg] p2]Zon] :yug s/sf]n]vfÍg ul/Psf] 5 .

cg';"rL– @%ljQLo ljj/0f;+u ;DalGwt k|d'v n]vf gLltx¿

%#


^= nufgL n]vf°g gLltM-s_ ;/sf/L jrtkq÷C0fkqdf nufgL n]vf°g gLlt�.

aLdf ;ldltsf] ljQLo ljj/0f ;DaGwL lgb] {lzsf adf]lhd ;/sf/L jrt–kq tyf C0fkqdf ul/Psf]nufgLnfO{ clÍt jf k/n d"NodWo] h'g 36L 5 ;f]xL d"Nodf n]vfÍg ug]{ gLlt lnOPsf] 5 .

-v_ a}+s÷ljQLo ;+:yfsf] d'2tL lgIf]kdf nufgL n]vf°g gLlt .

aLdf ;ldltsf] ljQLo ljj/0f ;DaGwL lgb]{lzsf adf]lhd a}+s tyf ljQLo ;+:yfsf] d'2tL lgIf]kdf ul/Psf] nufgLnfO{;f“jf /sddf b]vfOPsf] 5 .

-u_ klAns lnld6]8 sDkgLsf] z]o/df nufgL n]vf°g gLlt .

klAns lnld6]8 sDkgLsf] z]o/ nufgLnfO{ k/n d"Nodf /flvPsf] 5 . k/n d"No eGbf ahf/ d"No sd ePdf km/ssd d"NonfO{ Joj:yf vr{ (Provision for Investment Loss) n]vfÍg ul/Psf] 5 .

-3_ klAns lnld6]8 sDkgLn] hf/L u/]sf] C0fkqx¿df nufgL n]vf°g gLlt .

klAns lnld6]8 sDkgLn] hf/L u/]sf] C0fkqdf u/]sf] nufgLnfO{ c+lst d"Nodf n]vfÍg ul/Psf] 5 .

&= ;6xL 36a9 ;dfof]hg gLltMljb]zL d'b|fdf /x]sf] ;DklQ / bfloTjsf] clGtd df}Hbftsf] n]vfÍg g]kfnL d'b|fdf jiff{Gtsf] a}+s vl/b b/ cg';f/ ul/Psf]5 . ljb]zL d'b|fdf ePsf] sf/f]af/nfO{ ;f]xL ldltsf] ljlgdo b/nfO{ cfwf/ dfgL n]vfÍg ul/Psf] 5 . lng' lbg'kg]{ ePdfjif{sf] cGTodf sfod /x]sf] ljlgdo b/sf] cfwf/df km/s kg{ hfg] /sdnfO{ ljlgdodf gfkmf jf gf]S;fg lx;fadf b]vfpg]gLlt cjnDag ul/Psf] 5 .

*= aLdfz'Ns cfDbfgL n]vf°g gLltMaLdfz'Ns cfDbfgL aLdf P]g / aLdf ;ldltsf] lgb]{zg adf]lhd gub k|flKtsf] cfwf/df n]vfÍg ul/Psf] 5 . aLdfn]v/2 ePdf /2 ul/Psf] jif{ pQm aLdfz'NsnfO{ ;f]xL cfly{s jif{ n]vfÍg u/L aLdfz'Ns cfDbfgLaf6 36fOg] ul/Psf] 5 .k'gaL{df :jLsf/ u/] afkt k|fKt x'g] aLdfz'Ns cfDbfgL k|f]befjL (Accrual) cfwf/df n]vfÍg ul/Psf] 5 .

(= k'gaL{df sldzg cfDbfgL n]vf°g gLltMk'gaL{df sldzgnfO{ Accrual Basis df cfDbfgL n]vfÍg ug]{ gLlt lnOPsf] 5�. d'gfkmf sldzg (Profit Commission)

cfDbfgL aLdf ;ldltsf] ljQLo ljj/0f ;DaGwL lgb]{lzsf adf]lhd ;DalGwt k'gaL{dsaf6 lnlvt ;dy{g k|fKt eP kl5n]vfÍg ug]{ gLlt /x]sf] 5 .

!)= cGo cfo n]vf°g tyf af“8kmf“8 gLltMsDkgLn] nufgLdf k|fKt ug]{ Aofh tyf cGo cfDbfgLnfO{, nfef+z afx]s k|f]befjL (Accrual) cfwf/df n]vfÍg u/L aLdf;ldltsf] ljQLo ljj/0f ;DaGwL lgb]{lzsf adf]lhd s'n cfDbfgLnfO{ gfkmf–gf]S;fg lx;fa tyf cfo–Joo lx;fasf] ef/cg';f/ af“8kmf“8 ul/Psf] 5 .

!!= shf{ n]vf°g gLltMsDkgLn] pkof]u u/]sf] shf{nfO{ shf{sf] ;f“jf /sddf n]vfÍg ug]{ gLlt /x]sf] 5 . o; cf=j= @)&@.)&# df sDkgLn]ltg'{ kg]{ jf p7fpg' kg]{ s'g} klg shf{ /x]sf] 5}g .

!@= Joj:yfkg vr{ af“8kmf“8 gLltMaLdf ;ldltsf] lgb]{zgsf] cfwf/df Joj:yfkg vr{sf] !) k|ltzt /sd gfkmf–gf]S;fg lx;fadf vr{ b]vfO{ af“sL /sdnfO{;DalGwt aLdf Joj;fosf] k|ToIf aLdfz'Nsdf clestf{ sldzg s§f u/L x'g cfpg] /sdnfO{ aLdf Joj;fosf] ef/dfgL k|To]s aLdf Joj;fosf] aLdfz'Nssf] cfwf/df aLdf Joj;fosf] cfo–Joo lx;fadf af“8kmf“8 ug]{ gLlt cjnDagul/Psf] 5 .

%$


!#= aLdf bfjL e'QmfgL vr{ n]vf°g gLltMsDkgLn] aLdf bfjL e'QmfgLsf] vr{ n]vfÍg ubf{ aLdfn]v adf]lhd e'QmfgL ug'{kg]{ jf:tljs bfjL /sd / cfjZosk/fdz{ tyf cg';Gwfg vr{ ;d]t u/L n]vfÍg ug]{ gLlt lnPsf] 5 .

!$= aLdf bfjL afkt bfloTj Joj:yf n]vf°g gLltM-s_ ;[hgf ePsf] t/ hfgsf/Ldf gcfPsf] aLdf bfjL afkt bfloTj Joj:yf n]vfÍg Joj:yfkgsf] cg'ejsf] cfwf/df

n]vfÍg ug]{ gLlt /x]sf] 5 .

-v_ e'QmfgL lbg af“sL bfjL /sdsf] nflu aLdf lgodfjnL, @)$( sf] lgod !% -3_ adf]lhd !!% k|ltztn] /sdJoj:yf u/L n]vfÍg ug]{ gLlt lnOPsf] 5 .

!%= v'b gfkmf af“8kmf“8 gLltMaLdf lgodfjnL, @)$( sf] bkmf !% -u_ tyf aLdf ;ldltsf] ljQLo ljj/0f ;DaGwL lgb]{lzsfsf] Joj:yf adf]lhd r'Qmfk"“hL a/fa/ geP;Dd v'b gfkmfsf] %) k|ltztsf] x'g cfpg] /sd aLdfsf]ifdf ;fg]{ gLlt /x]sf] 5, ;fy} pQm /sdnfO{;f]xL aLdfsf] cfo–Joo lx;faaf6 cfPsf] artsf] ef/nfO{ cfwf/ dfgL k|To]s lsl;dsf] aLdfsf]ifdf af“8kmf“8 ug]{] gLlt/x]sf] 5�.

!^= sd{rf/L pkbfg, labf tyf cGo ;'ljwf afkt Joj:yf gLltMsDkgLsf] sd{rf/L ljlgodfjnL cg';f/ sd{rf/L pkbfg, ;+rosf]if, ljbf tyf cGo ;'ljwf afkt Joj:yf ug]{ gLltlnOPsf] 5 .

s_ pkbfgMsDkgLsf] sd{rf/Ln] ;]jf u/]sf] k"/f jif{sf] cfwf/df pkbfg vr{sf] Joj:yf u/L Joj:yfkg vr{df vr{ n]vL ;f] a/fa/sf]/sd gful/s nufgL sf]if cGtu{t :jLs[t pkbfg sf]ifdf nufgL ug]{ gLlt lnOPsf] 5 .

v_ ;+rosf]ifMsDkgLsf] sd{rf/L ljlgod cg';f/ sDkgLn] 5'§} ;+rosf]if of]ubfgsf] Joj:yf u/]sf] 5 . h; cg';f/ sd{rf/Lsf] cfwf/tnasf] !) k|ltztn] Joj:yf u/L Joj:yfkg vr{df vr{ n]vL ;f] a/fa/sf] /sd sd{rf/L ;+rosf]if cGtu{t sd{rf/Lvftfdf hDdf ug]{ gLlt lnPsf] 5 .

u_ ljbf afkt Joj:yfMsDkgLsf] sd{rf/L ljlgod cg';f/ :yfoL sd{rf/Lx¿sf] ;+lrt 3/ labf afktsf] /sdsf] Joj:yf ug]{ gLlt lnPsf] 5 .

!&= z+sf:kb cf;fdL Joj:yf gLltMz+sf:kb cf;fdLsf] nflu Joj:yfkgn] lgwf{/0f u/]sf] cg'dfg cg';f/ Joj:yf ug]{ gLlt /x]sf] 5 .

!*= ckn]vg vr{ n]vf°g gLltM;/sf/L art tyf C0fkqx¿ vl/bdf e'QmfgL ePsf] lk|ldodnfO{ pQm art tyf C0fkqx¿sf] e'QmfgL cjlw cg';f/;dfg'kflts ¿kdf vr{ hgfpg] tyf cGo ckn]vg ug'{kg]{ vr{ ;f]xL jif{df g} vr{ n]Vg] gLlt lnOPsf] 5 .

!(= cGo gLltx¿Mjf;nft, gfkmf–gf]S;fg lx;fa, cfo–Joo lx;fa nufotsf ljQLo ljj/0fnfO{ a'‰g / ljZn]if0f ug{ ;3fp k'Ug] cGon]vf gLltx¿M

-s_ nufgLaf6 cfDbfgL n]vfÍg gLltMnufgLaf6 k|fKt x'g] cfDbfgL k|f]befjL (Accrual) / nfef+z cfDbfgL gub k|flKtsf] cfwf/df n]vfÍg ug]{ gLlt /x]sf]5 .

%%


-v_ c;dfKt hf]lvd hu]8f n]vfÍg gLltMsDkgLn] aLdf lgodfjnL, @)$( tyf aLdf P]g, @)$( adf]lhd c;dfKt hf]lvd hu]8f afkt v'b aLdfz'Nssf]%) k|ltzt /sdn] Joj:yf ug]{ gLlt /x]sf] 5 . ;fy} lgb]{zg !*=! adf]lhd Joj:yf u/]sf] /sdnfO{ kl5Nnf] cfly{sjif{df cfDbfgL hgfpg] gLlt /x]sf] 5 . t/ ;fd'lb|s aLdfsf] xsdf lgb]{zg !*=! adf]lhd Joj:yf u/]sf] /sdnfO{tLg jif{ kl5sf] cfly{s jif{df cfDbfgL hgfpg] gLlt /x]sf] 5 .

-u_ k'gaL{df z'Ns vr{ n]vfÍg gLltMk'gaL{df z'Ns vr{nfO{ k|f]befjL (Accrual) cfwf/df n]vfÍg ug]{ gLlt /x]sf] 5 .

-3_ nufgL juL{s/0f gLltMjf;nftsf] lbgdf sfod /x]sf] nufgLx¿sf] clGtd e'Qmflg ldlt Ps jif{eGbf a9L ePsf] nufgLx¿nfO{ bL3{sfnLgnufgLsf] ¿kdf / ;f] eGbf jfx]ssf] nufgLnfO{ cNksfnLg nufgLsf] ¿kdf b]vfpg] gLlt lnPsf] 5 .

%^


ljQLo ljj/0f;+u ;DalGwt n]vf ;DaGwL l6Kk0fLx¿!= ;Defljt bfloTjx¿M

c_ sDkgLsf] xfn;Dd r'Qmf jf e'QmfgL x'g af“sL nufgL gePsf]�.cf_ xfn;Dd sDkgLn] s'g} k|Tofe"lt k|ltj4tf (Underwriting Commitments) u/]sf] 5}g�.O_ sDkgLdf o; cf=j=df s'g} klg aLdfn]v cGtu{t eGbf afx]s aLds pk/ s'g} bfjL k/]sf] 5}g .O{_ sDkgLn] cfgf] tkm{af6 lbPsf] Uof/]06L gePsf]�.p_ cGo bfloTj .

s]xL gePsf] .

@= e'QmfgL ug{ af“sL bfjL jfkt bfloTj d"Nof°g ubf{ cjnDag u/]sf] cfwf/x¿Me'QmfgL ug{ af“sL bfjL afkt bfloTjsf] d"NofÍg ljut jif{sf] cg'ej / ;e]{o/;+u ul/Psf] k/fdz{ cg';f/ ul/Psf] 5 .aLdf lgodfjnL, @)$( sf] lgod !% -#_ sf] Joj:yf cg'¿k ;"lrt ul/Psf] bfjLsf] cg'dflgt bfloTjdf sDkgLsf]lx:;f !!%∞ n] x'g cfpg] /sd bfjL afkt Joj:yf ul/Psf] 5 .

#= aLdssf] ;DklQdf cfPsf] ;Lldttf tyf ljjfbx¿MsDkgLn] vl/b u/]sf] ;DklQx¿df xfn;Dd s'g} ljjfbx¿ gePsf] .

$= shf{, nufgL tyf l:y/ ;DklQsf] nflu ul/Psf] k|ltj4tfMsDkgLn] shf{, nufgL tyf l:y/ ;DklQsf] nflu s'g} k|ltj4tf u/]sf] 5}g .

%= nufgL;+u ;DalGwt b]xfosf vl/b laqmL ;Demf}tfx¿sf] d"NoMc_ vl/b ul/Psf] ;DklQsf] :jfldTj k|fKt gePsf] 5}g .cf_ sDkgLn] s'g} ;DklQ laqmL ul/Psf] e'QmfgL k|fKt e} g;s]sf] 5}g .

^= o; jif{e/L ul/Psf] nufgL tyf laqmL / lkmtf{ lnPsf] nufgLsf] ljj/0fM-s_ o; jif{ e/L ul/Psf] gof“ nufgLsf] ljj/0fM

-v_ o; jif{ e/L ul/Psf] nufgL lkmtf{sf] ljj/0fM

nufgL ul/Psf]/sd -¿=_qm=;+= ljj/0f

!= g]kfn ;/sf/sf] /fli6«o artkq –@= jfl0fHo a}+sx¿sf] d'2tL lgIf]k !%,&%,)),)))#= ljsf; a}+sx¿sf] d'2tL lgIf]k #,)#,%),)))$= ljQLo sDkgLx¿sf] d'2tL lgIf]k –%= jfl0fHo a}+ssf] C0fkq –^= OSjL6L z]o/df nufgL –&= cGo –

hDdf !*,&*,%),)))

qm=;+= /sd -¿=_ljj/0f

!= g]kfn ;/sf/sf] /fli6«o jrt kq &,*),&&,)))!= jfl0fHo a}+sx¿sf] d'2tL lgIf]k @%,$),)),)))@= ljsf; a}+sx¿sf] d'2tL lgIf]k %,#$,)),)))#= ljQ sDkgLx¿sf] d'2tL lgIf]k *),&^,##)$= jfl0fHo a}+ssf] C0fkq –%= klAns sDkgLsf] ;fwf/0f z]o/ –

hDdf #(,#%,%#,##)

cg';"rL– @^

%&


&= a}+s df}Hbft lx;fa ;DaGwdf ;DalGwt a}+s÷ljQLo ;+:yfsf] ;dy{g ;lxtsf] lx;fa ldnfg ;DaGwL Joxf]/fMjfl0fHo a}+s, ljsf; a}+s tyf ljQLo ;+:yfx¿df /x]sf] a}+s df}Hbft sDkgLsf] lx;fa;+u ldnfg ul/;s]sf] / ;DalGwt;+:yfx¿af6 ljj/0f÷df}Hbft ;dy{g kq k|fKt eO{ s]xL ;+:yfx¿sf] ;dy{g k|fKt x'g] qmddf 5 .

*= aLds / k'gaL{ds;+u lng' lbg' af“sL lx;fa ;DaGwdf ;DalGwt aLds / k'gaL{dssf] ;dy{g ;lxtsf]lx;fa ldnfg ;DaGwL Joxf]/fMo; sDkgLn] aLds tyf k'gaL{dsx¿;+u jif{sf] cGtdf lng'lbg' kg]{ lx;fasf] ;dy{g k|fKt eO;s]sf] / s]xL :yfgLoaLdsx¿sf] ;dy{g kq k|fKt x'g] qmddf /x]sf] 5 .

(= aLdsn] u/]sf] nufgL k|rlnt aLdf P]g, lgodfjnL tyf aLdf ;ldltaf6 tf]lsP adf]lhd /x] g/x]sf]MaLdsn] u/]sf] nufgLdWo] ;/sf/L / ;/sf/sf] hdfgt k|fKt ;]So'l/l6df u/]sf] nufgL !(=%( k|ltztn] sd /x]sf]dfaLdf ;ldltsf] nufgL lgb]{lzsf cg';f/ g]kfn ;/sf/af6 hf/L ljsf; C0fkq pknAw gePsf] cj:yfdf pQm If]qdfsd /x]sf] nufgL /sdnfO{ jfl0fHo a}+ssf] d'2lt lx;fadf nufgL ug{ ;lsg] ePsf]n] ;f]xL adf]lhd gk'u /sdjfl0fHo a}+sx¿sf] d'2tLdf nufgL ul/Psf] 5 .

!)= aLdssf] ;+rfns jf ;+rfns;+u ;DalGwt JolQm jf ;+:yf;+u ePsf] sf/f]af/Mo; sDkgLsf] ;+rfns tyf ;+rfns;+u ;DalGwt JolQm jf ;+:yf / sDkgLsf ;+:yfksx¿sf] aLdf sf/f]af/g/x]sf] .

!!= aLdsn] cfk\mgf] ;DklQsf] ;'/If0fdf lnPsf] C0fsf] lwtf], zt{ tyf cf}lrToMsDkgLn] xfn cfgf] ;DklQsf] ;'/If0fdf s'g} C0f lnPsf] 5}g .

!@= aLdsn] s/ r'Qmf k|df0f–kq k|fKt u/]sf] cf=j= tyf To:tf] r'Qmf k|df0f–kq k|fKt x'g af“sL cf=j= / ;f];DaGwL ljj/0fsf ;fy} cl3Nnf] cf=j=x¿sf] s/ hl/jfgf Aofh afkt bfjL k/]sf] / o; cf=j=df e'QmfgLePsf] /sdMsDkgLn] :jo+ s/ ljj/0f lgoldt ¿kdf bflvnf ub}{ cfPsf] 5 . sDkgLsf] cf=j= @)^^÷)^&, @)^&÷)^* /@)^*÷)^( sf] cfos/ 7"nf s/bftf sfof{noaf6 k"glgwf{/0f u/L ¿= *(,*^,&@$.– yk s/ bfloTj sfod u/]sf]df;f] pk/ lrQ ga'em]sf]n] k|zf;lso k'g/fjnf]sgsf nflu cfGtl/s /fhZj ljefudf lgj]bg lbPsf] 5 . yk s/bfloTjnfO{ ;+efljt bfloTjdf b]]vfOPsf] 5 .

!#= lkmtf{ u/]sf] aLdfz'Ns kl/df0f / sf/0fMo; cf=j= df sDkgLn] ¿= @,*$,&&,@@^ aLdfz'Ns lgDg sf/0fx¿n] ubf{ lkmtf{÷;dfof]hg u/]sf] 5M-s_ jLldtsf] cg'/f]wdf aLdf+s /sd 36fOPsf] .-v_ bf]xf]/f] aLdfn]v hf/L x'g uPsf] .-u_ k|lttkq /2 x'g uPsf] .-3_ aLdfn]vdf jxg ul/Psf] hf]lvd x6fOPsf] .

!$= ckn]vg x'g af“sL vr{sf] ljj/0fMsDkgLn] g]kfn ;/sf/af6 hf/L artkq vl/bdf e'QmfgL u/]sf] lk|ldod ¿= !,)),*)) ckn]vg ug{ af“sL /x]sf] 5 .

!%= r'Qmf k"“hLdWo] clu|d e'QmfgL k|fKt(Paid in advance),e'QmfgL k|fKt x'g af“sL(Call in Arrears)/ hkmt ul/Psft/ k'gM lgisfzg gul/Psf z]o/sf] ljj/0fMr'Qmf k"“hLdWo] clu|d e'QmfgL k|fKt (Paid in Advance) z]o/x¿ gePsf] .e'QmfgL k|fKt x'g af“sL (Call in Arrears) z]o/x¿ gePsf] .hkmt ul/Psf t/ k'gM lgisfzg gul/Psf z]o/x¿ gePsf] .

%*


!^= lnh xf]N8 ;DklQdf ut jif{;Dd / o; jif{ vr{(Amortization)n]lvPsf] /sdsf] ljj/0fMlnh xf]N8 ;DklQdf o; jif{ vr{ (Amortization) n]lvPsf] /sd 5}g�.

!&= jif{el/df ePsf] jf;nft aflx/sf] sf/f]af/sf] ljj/0fMjf;nft aflx/sf] sf/f]af/ gePsf] .

!*= cl3Nnf jif{x¿;+u ;DalGwt cfDbfgL tyf vr{x¿sf] 5'6\6f 5'6\6} ljj/0fMcl3Nnf jif{x¿;+u ;DalGwt cfDbfgL tyf vr{ ¿= #@,%(! ePsf] .

!(= :yug s/(Deferred Tax)-:yug s/ ;DklQ / bfloTjsf] u0fgf cfiff9 #@, @)&# sf] ljj/0f lgDgfg';f/ /x]sf] 5M:yug s/ ;DklQ -bfloTj_

@)= ;DalGwt k¨x¿;+usf] sf/f]af/MJoj:yfkgdf /x]sf k|d'v JolQmx¿McWoIf, ;+rfns tyf k|d'v sfo{sf/L clws[tnfO{ Joj:yfkgsf k|d'v JolQmsf] ¿kdf lnOPsf] 5 . ;f]sf] ljj/0flgDgfg';f/ /x]sf] 5Ms= >L /fds[i0f dfgGw/ – cWoIfv= >L kB Hof]lt – ;+rfnsu= >L czf]s s'df/ tf]bL – ;+rfns3= >L nf]sdfGo uf]N5f – ;+rfnsª= >L sLlt{ s'df/ hf]zL – ;+rfnsr= >L clhy cf/= u'0fab{g] – ;+rfns5= >L sdn k]l6«s PlNa; – ;+rfnsh= >L uh]Gb| nfn >]i7 – ;+rfnsem= >L clgn hf]zL – ;+rfns`= >L cf]d s[i0f hf]zL – :jtGq ;+rfns6= >L r+sL If]qL – k|d'v sfo{sf/L clws[t -ldlt )&#.)#.!* b]lv_

sDkgL tyf ;DalGwt JolQmx¿aLr ePsf] sf/f]jf/sf] lgldQ o; jif{ lgDg vr{x¿ e'QmfgL ul/Psf] 5 .

ut jif{o; jif{

:yug s/ ;DklQ -bfloTj_l:y/ ;DklQ -%,@&,#!#_ -#,%(,($!_labf afkt Joj:yf &#,%#,$)% ^(,)#,$)%nufgLdf gf]S;fgL Joj:yf – ^$,&^&nufgLdf lk|ldod -#),@$)_ -$%,#^)_pkbfg – –:yug s/ ;DklQ -bfloTj_ ^&,(%,*%@ ^%,^@,*&!

ljj/0f

s= ;+rfnsx¿ – ^,!#,))) @,$%,))) *,%*,)))v= k|d'v sfo{sf/L clws[t #%,$@,((^ – – #%,$@,((^

@)&#÷)#÷!& ;Dd

k|d'v sfo{sf/L clws[t &&,!(# – – &&,!(#@)&#÷)#÷!* b]lv

hDdf #^,@),!*( ^,!#,))) @,$%,))) $$,&*,!*(

n]vf tyf cGo;ldlt eQf hDdf /sdljj/0f tna, eQf / cGol;=g++= ;+rfns eQf

%(


@!= g]kfn k'gaL{df sDkgLsf] ;+:yfks z]o/df nufgLM

g]kfn ;/sf/af6 tTsflng !& j6f lghL{jg aLdf sDkgLx¿sf] ;+o'Qm nufgLdf :yflkt cfsl:ds aLdf sf]ifnfO{

g]kfn ;/sf/af6 lj36g u/L g]kfn k'gaL{df sDkgL lnld6]8df kl/0ft u/]kl5 cfsl:ds aLdfsf]ifdf ul/Psf] z'¿sf]

nufgL ¿= #%,&!,$@* tyf ;f] sf]ifaf6 k|fKt nfef+z ¿= ^,$!,&),%&@ ;d]tnfO{ k"“hLs[t u/L ;+:yfks z]o/df

kl/0ft ul/Psf] / g]kfn k'gaL{df sDkgLsf] k"“hL j[l4sf] ;Gbe{df ;+:yfks z]o/df yk nufgL ul/Psf] ¿= $,%!,^(,&^%

;d]t u/L ¿= !!,@(,!!,&^% ePsf] 5 .

@@= dxfljklQ sf]ifM

aLdf ;ldltn] @)&! c;f]h * ut] hf/L u/]sf] kl/kq g+= &^ cg';f/ ljQLo ljj/0fdf gfkmf–gf]S;fg lx;fa cGtu{t

af“8kmf“8sf nflu pknAw /sdsf] !) k|ltztn] x'g] /sd ¿= !,!#,)(,%!& dxfljklQ hu]8f afkt 5'6\ofOPsf] 5 .

@#= k|:tfljt gub nfef+zM

;+rfns ;ldltsf] a}7ssf] lg0f{oaf6 k|:tfljt af]g; z]o/df nfUg] s/ jxg ug{ r'Qmf k"“hLsf] !=!%& k|ltztn] x'g]

/sd ¿= %!,)*,*(& gub nfef+z k|:tfj u/L ;f] /sd k|:tfljt gub nfef+z afkt Joj:yf ul/Psf] 5 .

@$= k|:tfljt af]gz z]o/M

;+rfns ;ldltsf] a}7ssf] lg0f{oaf6 ;dLIff jif{sf] r'Qmf k"“hL ¿= $$,!@,@@,()) sf] @@=)) k|ltztn] x'g cfpg]

/sd ¿= (,&),^(,)#* nfO{ af]gz z]o/ afkt Joj:yf ul/Psf] 5 . pNn]lvt af]gz z]o/ aLdf ;ldltsf] :jLs[lt

tyf ;fwf/0f ;efaf6 cg'df]bg kZrft\ hf/L x'g]5 .

@%= af]gz z]o/ k"“hLs[tM

sDkgLsf] ldlt @)&#÷)#÷)* df ;DkGg !( cf}+ jflif{s ;fwf/0f ;efaf6 r'Qmf k"“hLsf] @#=&% k|ltzt af]g; z]o/

¿= *,$^,&(,!%# kfl/t eO{ sDkgL /lhi6«f/ sfof{nodf clen]vsf nflu k]z ul/;lsPsf] / af]g; z]o/ clen]v

x'g] k|lqmofdf 5 . pQm af]g; z]o/ /sd ¿= *,$^,&(,!%# dWo] ¿= *,$^,&(,!)) k"“hLs[t u/L af“sL ¿= %# nfO{

cGo bfloTjdf /flvPsf] 5 .

@^= clws[t tyf hf/L k"“hL j[l4M

sDkgLsf] ldlt @)&#÷)#÷@* ut] ;DkGg !( cf}+ jflif{s ;fwf/0f ;efdf clws[t k"“hL ¿=%) s/f]8af6 ! c/a

%) s/f]8 tyf hf/L k"“hL $) s/f]8af6 ¿= ! c/a k'¥ofpg] k|:tfj kfl/t eO{ sDkgL /lhi6«f/ sfof{nodf clen]vsf

nflu k]z ePsf]df :jLs[lt k|fKt eO;s]sf] 5 .

@&= sDkgLsf] z]o/ ;+/rgfdf kl/jt{gM

sDkgLsf] ldlt @)&@÷)#÷)* df ;DkGg !* cf}+ jflif{s ;fwf/0f ;efaf6 sDkgLsf] k"“hL ;+/rgfdf kl/jt{g eO{

sDkgL /lhi6«f/af6 :jLs[lt k|fKt ePsf]n] xfn k"“hL ;+/rgfdf lgDgfg';f/ sfod ePsf] 5 .

s= ;+:yfks

c_ :jb]zL nufgLstf{ %! k|ltzt

cf_ ljb]zL nufgLstf{ @) k|ltzt

v= ;j{;fwf/0f @( k|ltzt

^)


-u_ @)&@ ;fn a}zfv dlxgfdf uPsf] ljgfzsf/L e"sDkaf6 o; sDkgLsf aLldtx¿sf] ef}lts ;DklQdf ePsf]Ifltsf] bfjL km5of}{6 x'g] qmddf /x]sf aLldtx¿sf] ;xhtfsf nflu ¿= $* s/f]8 &# nfv k]ZsL k|bfg ul/Psf]5 .

-3_ ldlt @)&@ ;fn j}zfv !@ / @( df uPsf] ljgfzsf/L e"sDkaf6 Iflt ePsf] s]xL aLldtx¿sf] bfjLdf ;e]{sfnflu ;e]{o/ lgo'lQm ul/Psf]df ;e]{o/x¿af6 k|fKt k|ltj]bgdf aLdfn]v cg';f/ bfjL e'QmfgL x'g gkg]{ elghgfOPsf]df ;DalGwt aLldtx¿n] ;f] lg0f{o pk/ lrQ ga'emfO{ aLdf ;ldltdf ph'/L u/]sf 5g\ .

-ª_ ut jif{sf /sdx¿nfO{ cfjZostf cg';f/ k'gM juL{s/0f tyf k"gM ;d"lxs/0f ul/Psf 5g\ .

clUg aLdf @*$@ !%$^ &%,$$,)$ $)# !,!#,&(,@^df]6/ aLdf (% &@ !,#),$^ $ !!,%)OlGhgLol/· aLdf !& @ !),!$ !# !@,((,&$hDdf @(%$ !^@) &^,*$,^$ $@) !,@^,(),%)

e'QmfgL x'g af“sLbfaL ;+Vof

s'n bfjL;+Vof

@)&# cfiff9 d;fGt;Dde'QmfgL ;+Voflsl;d

-/sd ¿= xhf/df_@)&# cfiff9d;fGt;Dd

s'n bfjL e'QmfgL

e'QmfgL x'g af“sLs'n bfaL/sd

@*= hu]8f tyf sf]ifMaLdf lgodfjnL, @)$( sf] lgod !%-u_ adf]lhd lglh{jg aLdf sDklgsf] r'Qmf k"“hL a/fa/ geP;Dd d'gfkmfsf]%) k|ltzt /sd hu]8f sf]ifdf ;fg'{kg]{ Joj:yf cg'¿k sDkgLsf] cf=j= @)&@÷)&# sf] d'gfkmf ¿= @),^&,%#,^$^sf] %) k|ltztn] x'g] /sd ¿= !),##,&^,*@# hu]8f sf]ifdf ;fg'{ kg]]{df r'Qmf k"“hL ¿= $$,!@,@@,()) a/fa/ x'gsfnflu xfnsf] hu]8f tyf sf]if /sd ¿= #$,&%,^$,$@@ df ¿= (,#^,%*,$&* gk'u ePsf]n] ¿= (,#^,%*,$&* dfqhu]8f sf]ifdf ;fl/Psf] 5 .

@(= sd{rf/L af]gzMk|:t't jif{df v'b d'gfkmfsf] !) k|ltztn] x'g cfpg] /sd ¿= @,(%,$$,^*! sd{rf/L af]gz afkt Joj:yf ul/Psf]5 .

#)= cfos/ Joj:yfMcfos/ P]g, @)%* tyf ;f] P]g cGtu{t ag]sf] lgod cg';f/ sfod ePsf] s/of]Uo cfosf] cfwf/df cfos/ u0fgfu/L o; jif{ cfos/ afkt ¿= *,*(,@^,!$# -ut jif{ ¿= ^$,^*,#%&_ Joj:yf ul/Psf] 5 . :jo+ tyf 7"nf s/bftfsfof{noaf6 s/ lgwf{/0fsf avt pQm Joj:yf km/s kg{ cfPdf ;f]xL jif{ cfjZos ;dfof]hg ul/g] 5 .

#!= cGoM-s_ @)&# ;fn cfiff9 d;fGtdf k|fKt s]xL lk|ldod r]sx¿ ;+sngfy{ ;DalGwt a}+sx¿df k7fPsf] /sd @)&#

;fn >fj0f dlxgfdf hDdf ePsf]dWo] >fj0f * ut] kl5sf ldltx¿df hDdf x'g uPsf] /sd ¿= &,!*,)%&nfO{ cGo Joj:yf cGtu{t Joj:yf u/L ;dfof]hg ul/Psf] 5 .

-v_ @)&@ ;fn a}zfv dlxgfdf uPsf] ljgfzsf/L e"sDkaf6 Iflt ePsf] ef}lts ;DklQ pk/ o; sDkgLsflaldtx¿af6 @)&# ;fn cfiff9 d;fGt;Dd ePsf] bfjL, bfjL e'QmfgL tyf af“sL bfjL ljj/0f lgDgfg';f/ 5M

^!


k|d'v ;

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x¿cg';

"rL– @

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!@÷@)

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!$!=

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&$,(%,@*

,%&(

*!,^$,

#!,&!$

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