AnnualReport67 68

nIdL a}+s lnld6]8sf] P3f/f}+ jflif{s ;fwf/0f ;ef ;DaGwL ;"rgf
>L z]o/wgL dxfg'efjx?,

ldlt @)^* ;fn d+l;/ dlxgf @# ut] z'qmjf/ tbg';f/ )( l8;]Da/ @)!! df a;]sf] a}+ssf] ;~rfns ;ldltsf] !!&cf}+ a}7ssf]
lg0f{o cg';f/ a}+ssf] P3f/f}+ jflif{s ;fwf/0f ;ef lgDg lnlvt ldlt, :yfg / ;dodf lgDg k|:tfjx? pk/ 5nkmn tyf lg0f{o ug{ a:g]
ePsf] x'bf sDkgL P]g, @)^# sf] bkmf ^& cg';f/ ;Dk"0f{ z]o/wgL dxfg'efjx?sf] hfgsf/Lsf] nflu of] ;"rgf k|sflzt ul/Psf] 5 .
!=
;ef x'g] ldlt, :yfg / ;do

ldltM @)^* ;fn kf}if dlxgf @* ut] lalxjf/ -!@ hgj/L @)!@_
:yfgM g]kfn ko{6g af]8{, e[s'6Ld08k, sf7df8f}+ .
;doM lbgsf] l7s )@M)) jh] .
@=
5nkmnsf] ljifo
-s_ ;fdfGo k|:tfj
-!_ cWoIfsf] dGtJo tyf P3f/f}+ jflif{s ;fwf/0f ;efsf] nflu ;~rfns ;ldltsf] k|ltj]bg 5nkmn u/L kfl/t ug]{ .
-@_ n]vfk/LIfssf] k|ltj]bg ;lxtsf] @)^* cfiff9 d;fGtsf] jf;nft tyf ;f]xL ldltdf ;dfKt cf=j= @)^&)^*
sf] gfkmf gf]S;fg lx;fj tyf gub k|jfx ljj/0f / ;DalGwt cg';"rLx? 5nkmn u/L l:js[t ug]{ .
-#_ a}+ssf] n]vf k/LIf0f ;ldltsf] l;kmfl/z jdf]lhd cf=j= @)^*)^( sf] nflu n]vf k/LIfs lgo'lQm ug]{ tyf
lghsf] kfl/>lds lgwf{/0f ug]{ . -jt{dfg n]vfk/LIfs >L zzL ;Tofn P08 sDkgL k'gM lgo'Qm x'g ;Sg'x'g]5_
-$_ ;~rfns ;ldltn] k|:tfj u/] adf]lhdsf] !%=&( k|ltzt nfef+z -!)=&( k|ltzt gub nfef+z tyf % k|ltzt
jf]g; z]o/_ dWo]sf] !)=&( k|ltzt gub nfef+z -gub nfef+z tyf jf]g; z]o/df nfUg] s/ ;d]t_ :jLs[t
ug]{ .
-v_ ljz]if k|:tfj
-!_ a}+ssf] ;~rfns ;ldltn] k|:tfj u/] adf]lhd % k|ltzt jf]g; z]o/ hf/L ug{] / ;f]xL xb;Dd hf/L tyf r'Qmf
k'+hL j[l4 ug{ :jLs[tL k|bfg ug]{ . o; ;DaGwL a}+ssf] k|jGw kqsf] ;+zf]wg kfl/t ug]{ / k|:tfljt ;+zf]wgdf
lgodgsf/L lgsfox?af6 s'g} km]/jbn jf ;'emfj cfPdf cfjZos km]/jbn ug{ a}+ssf] ;~rfns ;ldlt jf
;~rfns ;ldltn] tf]s]sf] s'g} kbflwsf/LnfO{ clVtof/L lbg] .
-@_ nIdL a}+s / cGo s'g} pko'Qm a}+s tyf ljQLo ;+:yf Ps cfk;df ufEg]ufleg] -dh{/PlSjhL;g_ ;DaGwdf
cfjZos kg]{ ;Dk"0f{ k|lqmof cjnDag u/L dh{/PlSjhL;g df hfg] jf ghfg] nufot ;f] ;DaGwL cfjZos
;Dk"0f{ lg0f{osfo{ ug{ ;~rfns ;ldltnfO{ clVtof/L lbg] .
-u_ ljljw
;~rfns ;ldltsf] cf1fn]

sDkgL ;lrj
;fwf/0f ;ef ;DaGwL ;fdfGo hfgsf/L

-!_ P3f/f}+ jflif{s ;fwf/0f ;ef, jf]g; z]o/ tyf gub nfef+z k|of]hgsf] nflu a}+ssf] z]o/ bflvn vf/]hsf] sfd @)^* ;fn kf}if dlxgf
)# ut] -!* l8;]Da/ @)!!_ b]lv @)^* ;fn kf}if dlxgf @* ut] -!@ hgj/L @)!@_ ;Dd aGb /xg]5 .
-@_ n]vfkl/Ifssf] k|ltj]bg ;lxt a}+ssf] jflif{s cfly{s ljj/0f, ;~rfns ;ldltsf] k|ltj]bg, sDkgL P]g, @)^# sf] bkmf &* adf]lhdsf]
k|ltj]bg ;d]tsf sfuhftx? a}+ssf] /lhi68{ sfof{no, xflQ;f/ sf7df8f+}df / zfvf sfof{no k'Nrf]s nlntk'/df sfof{no ;do leq
lg/LIf0f ug{ tyf To;sf] k|ltlnkL dfu u/]df k|ltlnkL lbg] Joj:yf ldnfO{Psf] 5 .
-#_ ;efdf efu lngsf nflu k|ltlglw -k|f]S;L_ lgo'Qm ug{ rfxg] z]o/wgLx?n] a}+ssf] csf]{ z]o/wgLnfO{ k|ltlglw lgo'Qm u/L ;f] ;DaGwL
lgj]bg ;ef z'? x'g' eGbf $* 306f cufj} a}+ssf] /lhi68{ sfof{no xflQ;f/, sf7df8f}+df btf{ u/fO{ ;Sg' kg]{5 . k|ltlglwkq -k|f]S;L_
k|rlnt sDkgL sfg"gn] tf]s]sf] 9frfdf x'g' kg]{5 .
-$_ ;efdf efu lng k|ltlglw -k|f]S;L_ k|fKt ug]{ z]o/jfnfn] s"n laqmL ePsf] z]o/sf] !% k|ltzt eGbf a9L k|f]S;L btf{ u/]sf] ePdf
cfkm"n] lnPsf] z]o/ ;lxt !% k|ltzt eGbf a9L dtsf] uGtL ul/g] 5}g .
-%_ Ps hgf z]o/wgLn] Ps eGbf a9LnfO{ k|ltlglw -k|f]S;L_ d's// u/]df k|ltlglw -k|f]S;L_ :jtM jb/ x'g]5 . t/ k|ltlglw -k|f]S;L_ lbg]
z]o/wgLn] cfkm"n] cl3 lbPsf] k|ltlglw -k|f]S;L_ ab/ u/]sf] Joxf]/f :ki6 pNn]v ul/ 5'} lgj]bg lbO{ csf]{ z]o/wgLnfO{ k|ltlglw
-k|f]S;L_ lgo'Qm u/]df To;/L lgo'Qm k|ltlglw -k|f]S;L_ n] ;efdf efu lng kfpg] 5, o:tf] cj:yfdf cl3Nnf] k|ltlglw -k|f]S;L_ :jtM
jb/ ePsf] dflgg]5 .
-^_ k|ltlglw d's// ubf{ s]xL z]o/ cfkm}+;u afsL /fvL cfkm' ;d]t ;fwf/0f ;efdf pkl:yt x'g kfpg] lsl;dn] cf+lzs z]o/sf] k|ltlglw
d's// ug{ kfOg] 5}g, ;a} z]o/sf nflu Ps} JolQmnfO{ k|ltlglw d's// ug'{kb{5 . k|ltlglw d's// ug]{ z]o/wgL :jod\ ;efdf pkl:yt
ePdf k|f]S;L :jtM ab/ x'g]5 . Ps eGbf j9L JolQmnfO{ cfwfcfwf jf c? s'g} lsl;daf6 5'6\ofP/ lbPdf ;d]t pQm k|f]S;L ab/
x'g]5 .
-&_ Ps eGbf al9 JolQmx?sf] ;+o'Qm gfddf z]o/ btf{ ePsf] cj:yfdf ;j{;Ddtaf6 rog ePsf] Pshgf k|ltlglwn] dfq jf nut lstfjdf
klxnf] gfd pNn]v ePsf] JolQmn] ;efdf efu lng kfpg]5 .
-*_ ;efdf efu lng] k|To]s z]o/wgL dxfg'efjn] ;ef x'g] :yfgdf z]o/ k|df0fkq jf z]o/wgL g+= / kl/ro v'Ng] sfuhft ;lxt pkl:yt
eO{ Toxf+ /x]sf] xflh/L k'l:tsfdf b:tvt ug'{ kg]{5 . xflh/L k'l:tsf laxfg !!M)) ah]b]lv ;ef rfn' /x];Dd v'Nnf /xg]5 .
-(_ z]o/wgL dxfg'efjx? ;ef:yn cfp+bf emf]nf, kf]sf, Kofs]6 h:tf j:t'x? glnO{ cfpg' x'g cg'/f]w ul/G5 . cfjZos b]v]df ;'/IffsdL{n]
;'/Iff hfr ug{ ;Sg] x'bf ;f] sfo{df ;xof]u ul/lbg' x'g ;d]t cg'/f]w ul/G5 .
-!)_ cGo hfgsf/lsf nflu a}+ssf] sDkgL ;lrjsf] sfof{no, xflQ;f/, sf7df8f}+ / zfvf sfof{no, k'Nrf]sdf ;Dks{ /fVg ;d]t cg'/f]w
ul/G5 .
-!!_ ;fwf/0f ;ef ;DaGwL lj:t[t ljj/0f a}+ssf] web site: www.laxmibank.com df klg pknJw 5 .
ljifo ;"rL
cWoIfsf] dGtAo
;~rfns ;ldltsf] k|ltj]bg
n]vfk/LIfssf] k|ltj]bg
jf;nft
gfkmfgf]S;fg lx;fa
gfkmfgf]S;fg af8kmf8 lx;fa
gub k|jfx ljj/0f
OSjL6Ldf ePsf] kl/jt{g;DaGwL ljj/0f
n]vf;u ;Da4 cg';"rLx?
n]vf;u ;DaGwL gLlt tyf l6Kk0fLx?
PsLs[t ljQLo ljj/0f
Basel II ;DaGwL ljj/0f
ljQLo ljj/0f k|sfzg ug{ g]kfn /fi6 a}+ssf] :jLs[lt kq
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a}+ssf] P3f/f}+ jflif{s ;fwf/0f;efdf oxfx?nfO{ :jfut ug{ kfpbf dnfO{ v'zL nfu]sf] 5 .
;ldIff jif{sf] k'/f cjwLe/ b]zsf] cfly{s cj:yf cg's'n /x]g . o; cjwLdf a}+ls If]qdf t/ntfsf] Joj:yfkg r'gf}tLk"0f{ /x]sf], s]xL
ljQLo ;+:yfx? ;d:ofu|:t 3f]lift ePsf sf/0f hgdfg;df o; If]qk|ltsf] ljZjf;df x|f; cfPsf] / /fhg}lts cl:y/tf sfod} /x]sf]
oxfx? ;j}nfO{ cjut g} 5 . o;sf] afjh'b o; a}+ssf] lgIf]k df}Hbft, shf{sf] u'0f:t/, cfDbfgL / gfkmfdf ;Gtf]ifhgs j[l4 ePsf] 5 .
a}+sn] xfn #) j6f zfvf / ## ATM 4f/f ;]jf k|bfg ub]{ cfPsf], Visa Debit/Credit Card, e-Banking, Mobile Banking,
Mobile wallet cflb h:tf ljljw gof of]hgfx?sf] dfWodaf6 cfkm\gf u|fxsx?nfO{ yk ;]jf lb+b} cfPsf], dr]{G6 a}+ls sf/f]jf/ ug{
nIdL Soflk6n dfs]{6 lnld6]8 gfds ;xfos sDkgL :yfkgf u/L nlntk'/sf] k'Nrf]saf6 ldlt @)^&!))@ af6 sf/f]jf/ z'?
ul/;s]sf] / n3'ljQ sfo{qmdnfO{ Jofks agfO{ cuf8L a9\g nIdL dfOqmf] kmfOgfG; 8]enKd]6 a}+s gfds ;xfos sDkgL :yfkgf u/L
o; rfn' cf=j= df ;~rfng cg'dlt lnP/ sf/f]jf/ z'? ug]{ tkm{ clGtd t}of/L eO/x]sf] ;xif{ hfgsf/L u/fpb5f}+ . oL k"jf{wf/x?nfO{
cem ;'b[9 / ;;Qm agfO{ cfufdL jif{x?df a}+ssf] sf/f]jf/ qmlds ?kn] j[l4 ub}{ n}hfg] xfd|f] nIo 5 .
a}sn] gof zfvfx? vf]Ng], ATM ;]jf, dr]{G6 a}+ls, n3'ljQ ;]jfx? lj:tf/ ug]{ / gof ;]jfx? lbg] sfo{nfO{ lg/Gt/tf lbg]5 . a}+sn]
o; cfly{s jif{df hf]lvd Joj:yfkgnfO{ cem ;'b[9Ls/0f ug{ hf]lvd Joj:yfkg ;ldlt ;d]t u7g ul/;s]sf] 5 .
a}+sn] cfkm\gf z]o/wgLx?nfO{ cfiff9 d;fGtdf sfod /x]sf] k"hLdf !%=&( k|ltzt nfef+z -!)=&( k|ltzt gub nfef+z tyf %
k|ltzt af]g; z]o/_ lbg] k|:tfj u/]sf] 5 . a}+sn] hf]lvd Joj:yfkg k|0ffnLnfO{ ;'4[l9s/0f ub}{ bIf hgzQmLsf] klxrfg u/L cfufdL
lbgx?df z]o/wgLx?sf] nufgLdf kof{Kt k|ltn lbb} hfg] nIo /fv]sf] 5 .
xfdL z]o/wgL dxfg'efjx?af6 lg/Gt/ k|fKt u/]sf] ;xof]u / k|f]T;fxg, g]kfn /fi6 a}+s nufot cGo lgodgsf/L lgsfox?sf]
dfu{lgb]{zg / nIdL a}+s k|lt ljZjf; ug'{x'g] ;Dk"0f{ u|fxsx? k|lt xflb{s wGojfb 1fkg ub}{ oxfx?sf] ljZjf; / ;xof]unfO{ sfod
/fVg x/ ;Dej k|of; ug]{ ljZjf; lbnfpg rfxG5f}+ . a}+s Joj:yfkg Pj+ sd{rf/Lx?n] a}+ssf] lgwf{l/t nIo k|flKtsf nflu b]vfPsf]
k|ltj4tf / cys kl/>dsf] sb/ ub}{ o;nfO{ lg/Gt/tf lbg'x'g]5 eGg] ;d]t ljZjf; lnPsf 5f}+ .
wGojfb .
ldtL @)^*)*@#
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cWoIf
P3f/f}+ jflif{s ;fwf/0f ;efdf k|:t't ;~rfns ;ldltsf] k|ltj]bg

cfly{s jif{ @)^&^*
cfb/0fLo z]o/wgL dxfg'efjx?,
cfly{s jif{ @)^&)^* df a}s
+ n] u/]sf] k|ult / pknlAw, a}s
+ ;~rfngdf b]lvPsf r'gf}ltx?, ;du| a}l+ s sf/f]jf/sf] ;ldIff / k'g/fjnf]sg
ug{ sDkgL P]g, @)^# tyf a}+s tyf ljQLo ;+:yf ;DjGwL P]g, @)^# sf] cwLgdf /xL tof/ ul/Psf] of] k|ltj]bg ;~rfns ;ldltsf]
tkm{af6 a}+ssf] P3f/f}+ jflif{s ;fwf/0f ;efdf k|:t't ul/Psf] 5 .
!= ljut jif{sf] sf/f]jf/sf] l;+xfjnf]sg
-s_ k|d'v ;"rsfM
cfly{s jif{{ @)^&)^* sf] a}+ssf] cfly{s ljj/0f / k|d'v ;"rfx? b]xfo adf]lhd /x]sf 5g\M
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;ldIff jif{{df a}+ssf] g]6jy{, hf]lvd ;DklQ, lgIf]k, nufgL / ;~rfng d'gfkmfdf ;fdfGo j[l4 ePsf] 5 . o; cjwLe/ b]zsf] cy{tGq
lzlyn /x]sf] kl/k|]Iodf a}+ssf] kl/;"rsx?df ePsf] j[l4nfO{ ;Gtf]ifhgs dfGg ;lsG5 .
-v_ zfvf lj:tf/M
cf=j= @)^&)^* df a}s
+ n] s|dzM ;'g;/Lsf] w/fg, nlntk'/sf] PsfGts'gf, bf]nvfsf] rl/sf]6, l;Gw'kfNrf]ssf] vfl8rf}/ / wgs'6fsf]
lxn] u/L % gof+ zfvfx? lj:tf/ u/]sf] / rfn' cf=j=df vf]n]sf] emfkfsf] latf{df]8 / Onfd zfvf ;d]t u/L xfn;Dd zfvf ;~hfn
#) k'ofPsf] 5 . zfvf ;~hfn j9fpg] a}+ssf] gLlt cg'?k rfn' cfly{s jif{df cfjZostf cg';f/ yk zfvfx? lj:tf/ ug]{ nIo
/x]sf] 5 . zfvf lj:tf/af6 a}+sn] clwstd\ u|fxsx?nfO{ a}+ls ;]jf k|bfg ug{ ;Ifd x'g], v'b|f:t/sf] lgIf]k ;+sng, ;]jfu|fxL ;dIf
ljk|]if0f ;]jfsf] ;xhtf, l/6]n a}+ls ;]jfsf] lj:tf/ / :yfgLo u|fxs ;'ljwfdf j[l4 x'g] ck]Iff u/]sf] 5 .
rl/sf]6 zfvf
vfl8rf}/ zfvf
lxn] zfvf
ljtf{df]8 zfvf
Onfd zfvf
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a}+sn] xfn ;Dd g]kfnsf] !$ j6f zx/x?leq ## :yfgdf ATM lj:tf/ u/L cfkm\gf u|fxsx?nfO{ ;]jf k|bfg ub]{ cfPsf] 5 .
-3_ ljk|]if0fM
ljk|]if0f ;]jfsf] ;~hfn xfn;Dd dWok"j{ Plzofsf] ;fpbL c/]ljof, o"=P=O{=, dn]l;of, cf]dg nufot cd]l/sf, j]nfot, Sofg8f, jx/fOg
/ 8]gdfs{;Dd lj:tf/ eO;s]sf] 5 . ljk|]if0f ;]jfnfO{ k|efjsf/L agfpg a}+sn] pNn]lvt d'n'sx?sf sl/j !& j6f Ph]G6x? ;u
;xsfo{ u/L ;]jf lb+b} cfPsf] 5 . a}+sn] ljk|]if0f ;]jfnfO{ dxTj lbO{ o; ;DaGwL sfo{x?sf] nflu 5'} ljefu dfkm{t l56f] 5l/tf] /
ljZj;gLo ;]jf k|bfg ub}{ ljb]zdf cfkm\gf sd{rf/Lx? ;d]t v6fPsf] 5 . d'n'ssf ^% lhNnfsf u|fdL0f e]s ;Dd &)) eGbf a9L
ljk|]if0f k|ltlglwx? -/]ld6\ofG; Ph]06_ dfkm{t a}+sn] cfkm\gf] ljk|]if0f ;]jfnfO{ cleGg c agfO{ ;]jf k|bfg ub]{ cfPsf] 5 .
-_ a}+ssf ;xfos sDkgLx?sf] ultljwLM

a}+ssf] ;xfos sDkgL nIdL Soflk6n dfs]{6 lnld6]8n] ldlt @)^&!))@ af6 nlntk'/sf] k'Nrf]saf6 dr]{G6 a}+ls sf/f]jf/
z'? u/]sf] 5 . g]kfn lwtf]kq af]8{af6 ;~rfng :jLs[lt k|fKt o; sDkgLn] nufgL Joj:yfkg, z]o/ /lhi6f/, z]o/ lgisfzg tyf
laqmL k|jGws / lwtf]kq k|Tofe"lt ;]jfx? k|bfg ug{ ;Sg]5 . ut cfly{s jif{{df g]kfnsf] k"hL ahf/sf] ;du| l:ytL ;Gtf]ifhgs geO{
g]K;]df nfutf/ lu/fj6 cfpgsf sf/0f nIdL Soflk6nn] cfkm\gf] Joj;fosf] bfo/f a9fpg g;s]klg rfn' cf=j=df Joj;fo j[l4
ub}{ cfo cfh{g a9fpg] nIo /fv]sf] 5 . a}+sn] n3' ljQ sfo{s|dnfO{ ;zQm / lj:tfl/t ?kdf cuf8L a9fpgsf] nflu nIdL dfOqmf]
kmfOgfG; 8]enkd]G6 a}+s lnld6]8 gfds ;xfos sDkgL dfkm{t ;]jf k|bfg ug]{5 . pQm sDkgLsf] ;~rfng cg'dlt o;} cf=j= df
k|fKt u/L sf/f]jf/ z'? x'g]5 .
-r_ gof ;]jfx?sf] z'?jftM
a}+sn] cfkm\gf] sf/f]jf/ lj:tf/ ug]{ s|ddf cfkm\gf u|fxsx?sf] lxtnfO{ Wofgdf /fvL cfw'lgs / ;do ;fk]If jrt of]hgfx?, shf{
;'ljwf;u ;DjlGwt ;]jf, jLdf Joj;fo;u ;DjlGwt ;]jf tyf cGo cfw'lgs o'u ;'xfpbf] ;"rgf tyf k|ljlw;u ;DjlGwt ;'ljwfx?
k|bfg ub}{cfPsf] 5 .
rfn' cf=j= df a}+sn] v'b|f ljQLo ;]jf cGtu{t ;fgf Joj;foL tyf JolQmx?sf] nflu ;'g lwtf] shf{sf] z'?jft u/]sf] 5 .
o;sf ;fy} a}+sn] ;ldIff jif{{df ;'g sf/f]jf/nfO{ gof+ Joj;fosf] ?kdf z'? u/]sf] / hdfgL Joj;fonfO{ j[l4 u/L pNn]Vo cfo cfh{g
u/]sf] 5 . o; cf=j=df oL b'j} ;]jfx? cem j9L k|efjsf/L agfOg]5 .
To:t} rfn' cf=j= df nIdL a}+sn] lab]z ofqfdf hfg] g]kfnL gful/sx?n] pgLx?sf] 6fen 8s'd]06sf] cfwf/df sf8{ t'?Gt} k|fKt x'g]
u/L VISA 6fen sf8{ ;]jf ;~rfngdf NofPsf] 5 .
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!= bzf}+ jflif{s ;fwf/0f ;efaf6 a}+ssf] /lhi68{ sfof{no lj/u~h, k;f{af6 xflQ;f/, sf7df08f}+df ;fg]{ / ;xfos sDkgL dfkm{t
Do"lrcn km08 ;DaGwL sfo{ ug]{ egL lg0f{o eP adf]lhd >L g]kfn /fi6 a}+saf6 :jLs[tL lnO{ >L sDkgL /lhi6f/sf] sfof{noaf6
k|aGwkq tyf lgodfjnLdf cfjZos ;+zf]wg ;d]t eO{ ;s]sf] 5 .
@= xflQ;f/ l:yt nIdL sDKn]S; k5fl8sf] hUufdf ;x:jfldTjdf ejg lj:tf/ sfo{ ;DkGg eO{ a}+sn] ;f] gjlgld{t ejgaf6
b}lgs sf/f]jf/ z'? ul/;s]sf] 5 .
#= nIdL a}+ssf] ;DkQLsf] u'0f:t/, hf]lvd Joj:yfkg dfkb08 / ;~rfng cEof;nfO{ cWoogcjnf]sg kZrft cfO{Pkm;L -IFC_
sf] GTFP g]6js{sf] dfWodaf6 cGt/fli6o k|d'v a}+sx?;u kx'r a9fpg, gof tyf r'gf}tLk"0f{ ahf/df hf]lvd Go"lgs/0f ug{df
;xfotf k|bfg ug{ tyf a}+ssf] Ifdtf j[l4df ;xof]u k'ofpg o; a}+s / cfO{Pkm;L aLr ;Demf}tf ePsf] 5 . o;} cGtu{t nIdL
a}+sn] cfO{P;Laf6 Ps C0f l;dfsf] l:js[tL kfPsf] 5 .
@= /fli6o tyf cGt/fli6o kl/l:yltaf6 a}+ssf] sf/f]jf/nfO{ s'g} c;/ kf/]sf] eP ;f] c;/M
cf=j= @)^&)^* df g]kfnsf] cfly{s If]qdf w]/}g} ptf/ r9fjx? cfPsf] x'bf a}+sx?n] ;f]r] cg'?k pknAwL xfl;n ug{ ;s]gg\ .
ljQLo If]qdf ;ldIff jif{{df t/ntfsf] cefj sfod /xL s]xL a}+s tyf ljQLo ;+:yfx? w/f;foL eP/ ljQLo If]qdf sl7gfO{ x'g', z]o/sf]
d"Nodf jif{{e/Lg} lu/fj6 cfpg', d'n'sdf /fhg}lts l:y/tf sfod x'g g;Sg', zflGt ;'/Iffsf] cefj, s[lif If]qsf] pTkfbgdf sdL cfpg',
bIf hgzQmLnfO{ of]Uotf cg';f/sf] /f]huf/Lsf] cj;/sf] cefj, a}+ls If]qdf a9\bf] k|lt:kwf{, nufgLsf] cj;/ c;xh x'g', / ljb]zL
d'b|f ;l~rtLdf x|f; tyf ljlgdo b/ cl:y/ x'g' cflb h:tf sf/0fx?sf afah'b klg a}+ssf] ;du| j[l4 ;Gtf]ifk|b g} /x]sf] 5 . ef/t
;usf] Jofkf/ 3f6fdf j[l4 x'g', cGt/fli6o ahf/df k]6f]lnod kbfy{sf] tyf ;'gsf] d'Nodf j[l4 x'g' / lgof{t Jofkf/df sdL cfpg'
tyf cfoft Jofkf/ pNn]Vo ?kdf lj:tf/ x'g' cflb h:tf /fli6o / cGt/fli6o sf/0fx?n] a}+ssf] sf/f]jf/df s]xL xb;Dd c;/ kf/]sf]
ePtfklg a}+sn] cfkm\gf] sf/f]jf/nfO{ lg/Gt/tf lbO{ cfkm\gf] jf;nftsf] cfsf/ j[l4 ug{ ;kmn ePsf] 5 . d'n'sdf /fhg}lts l:y/tf,
zflGt / cf}Bf]lus ;'/Iff sfod ePdf cfufdL jif{x?df a}+sn] ;f]r] cg's'n ;kmntf xfl;n ug]{5 eGg] xfdLn] ljZjf; lnPsf 5f}+ .
#=
k|ltj]bg tof/ ePsf] ldlt ;Dd rfn" jif{sf] pknlAw / eljiodf ug'{kg]{ s'/fsf] ;DaGwdf ;~rfns ;ldltsf] wf/0ffM
-s_ k|ltj]bg tof/ x'g] ldlt;Dd a}+ssf] sf/f]jf/ l:yltM
o; cf=j= sf] @)^*)*@@ ;Dddf a}+ssf] sf/f]jf/sf] l:ylt lgDg adf]lhd /x]sf] 5 .
/fzL ?= xhf/df
l;=g+=
lzif{s
@@)*@)^* -)*!@@)!!_
!
lgIf]k
!(,!),&%,(&
@=
hf]lvd ;DklQ
!^,)%,$$,@!
#=
nufgL
@,%$,*^,$@
$= ;~rfng d'gfkmf
@%,#&,%#
-v_ a}+ssf] pGgltsf] nflu eljiodf ug'{ kg]{ s'/fsf] of]hgfsf ;DjGwdf ;~rfns ;ldltsf] wf/0ff b]xfo jdf]lhd /x]sf] 5M
s a}+ssf] cfGtl/s lgoGq0f k|0ffnLnfO{ cem ;'b[9 agfpg ;~rfns :tl/o hf]lvd Joj:yfkg ;ldlt u7g ul/;lsPsf] / ;f]
;ldlt cGtu{t hf]lvd Joj:yfkgnfO{ cem k|efjsf/L ub}{ nlug],
s a}+sn] cfkm\gf] zfvf ;~hfn / Pl6Pd nufotsf cfw'lgs a}+ls ;]jf tyf ;'ljwfx?sf] qmlds ?kdf lj:tf/ ug]{,
s ljk|]if0f ;]jfsf] kx'r d'n'ssf ;'b'/ Pj+ b'u{d 7fpx? ;Dd k'ofO{ k|efjsf/L ?kdf ;]jf k|bfg ug{ yk ljk|]if0f Ph]06 / sfp06/x?
vf]Ng],
s shf{, lgIf]k tyf cGo ;'ljwfsf] nflu gof ;]jfx?sf] z'?jft ug]{,
s u'0f:t/ o'Qm hf]lvd ;DklQ j[l4 ug]{,
s df]jfOn e'QmfgL ;]jf nufotsf cfw'lgs a}+ls ;]jfx?sf] u'0f:t/ j[l4 u/L gof+ ;]jfx?sf] z'?jft ug]{ / ;~hfnsf] lj:tf/
ug]{,
s ;'gsf] cfoft tyf ljqmL ug]{ sfo{nfO{ lg/Gt/tf lbb} rfbLsf] sf/f]jf/sf] ;d]t z'?jft ug]{,
s ljut ( jif{{df a}+sn] tof/ u/]sf] k"jf{wf/ / ;]jfx?nfO{ clwsf+z ;]jfu|fxLx? dfem a[xt ?kn] lj:tf/ ug]{,
s nIdL Sofkl6n dfs]{6 lnld6]8 dfkm{t Do"lrcn km08 lgisfzg ug{ l8kf]lh6/Lsf] sfd ug]{ / o;sf nflu cfjZos yk k"hLsf]
Joj:yf ug]{,
s n3' ljQ sfo{s|dnfO{ ;zQm 9n] cl3 j9fpg rfn' cf=j= ;xfos sDkgL nIdL dfOqmf] kmfOgfG; 8]enkd]G6 a}+s lnld6]8
dfkm{t sf/f]jf/ z'?jft ug]{],
s CDS n] sfo{ z'? u/]kl5 ;f]xL adf]lhd z]o/ /lhi6]zgsf] sfo{ ug{] .
$= a}+ssf] cf}Bf]lus jf Jofj;flos ;DaGwM a}+sn] /fli6o tyf cGt/fli6o ;/sf/L tyf u}/ ;/sf/L ;+3;+u7g, sDkgL, JolQm / ;+3
;+:yfx?, tyf cGo ;j} ;/f]sf/jfnfx?;u ;'dw'/ Joj;flos ;DaGw sfod /fv]sf] / a}+ssf] cf}Bf]lus tyf Joj;flos ;DaGw
;dfhsf ;j} txdf kf/bzL{ / ;f}xfb{k"0f{ /x]sf]n] o;nfO{ lg/Gt/tf lbOg] 5 .
dfgj ;+zfwg
a}+ssf sd{rf/Lsf] :t/ j[l4sf nflu cfjZos cfGtl/s k|lzIf0fx? lbg], afo tflnddf k7fpg] nufotsf sfo{nfO{ o; jif{{ klg
lg/Gt/tf lbOPsf] 5 . ;ldIff jif{{df ljleGg OsfO{ ;DaGwL @^ j6f cfGtl/s k|lzIf0f sfo{qmd ePsf]df hDdf @)% hgf sd{rf/Lx?n]
;f] tfnLd k|fKt u/]sf 5g\ eg] %* hgf sd{rf/Lx?n] afo tflnd k|fKt u/]sf 5g\ . afo tflnd cGtu{t ef/tsf] k|ltli7t ;+:yf
INDIAN INSTITUTE OF MANAGEMENT 4f/f cfof]lht g]t[Tj ljsf; sfo{qmddf a}+ssf * hgf sd{rf/Lx? ;lDdlnt ePsf 5g\,
o:tf] tflnd sfo{qmd g]kfnsf] a}+ls If]qd} klxnf] k6s ePsf] xf] . xfnsf] k|lt:kwf{Tds afta/0fdf sd{rf/Lsf] dgf]jn pRr /fVg
k'/:sf/ / ;hfosf] Joj:yf, jflif{s sfo{ ;Dkfbg d"Nofg u/L ;f]xL jdf]lhd tnj j[l4 ul/g] kl/kf6LnfO{ lg/Gt/tf lbO{Psf] 5 .
o;sf cltl/Qm a}+s ;b}j of]Uo, bIf, nugzLn tyf OdfGbf/ sd{rf/Lx? lgo'QmL ug]{ / To:tf of]Uo sd{rf/LnfO{ a}+ssf] ;]jfdf sfod}
/fVg pTk|]l/t ug{ k|ltj4 5 .
;+:yfut ;fdflhs pQ/bfloTj
nIdL a}+sn] la|6]g g]kfn d]l8sn 6i6 -BNMT_ f/f slknj:t' lhNnfsf] ks8L uf=lj=;=df ;~rflnt ;d'bfodf cfwfl/t lzz' kf]if0f
sfo{qmddf BNMT ;u ;f]bf/L u/]sf] 5 .
nIdL a}+sn] a}+ssf] sd{rf/Lx?4f/f ;~rflnt nIdL lgZjfy{ kxn -Laxmi Cares_ gfds ;fdflhs ;+:yf dfkm{t ;dfhsf ljleGg
If]qdf ;xsfo{ ug{] / ;+:yfn] k|fKt u/]sf] /sd ljljw If]qdf ;xof]ufy{ k|bfg ug]{ sfo{nfO{ o; jif{{ klg lg/Gt/tf lbPsf]5 . o;
cGtu{t o; cf=j= df s]xL ljBfnox?df sDKo"6/x? pknJw u/fPsf] / "One Account One Tree gfds cleofg cGtu{t laleGg
:yfgx?df ?v /f]Kg] sfo{ u/]sf] 5 . To;}u/L ljleGg v]ns'b sfo{qmdx?sf] cfof]hgf u/L To;af6 k|fKt /sd ljljw jftfj/0f ;'wf/
;DaGwL ;fdflhs sfo{x?df vr{ ug'{sf] cltl/Qm kf6g b/jf/ :Sjfo/ If]qdf ;f]nf/ ;8s alQx? h8fg u/]sf] 5 . o; ;DaGwL
lj:t[t ljj/0f www.laxmicares.com.np af6 k|fKt ug{ ;Sg'x'g]5 .
%= ;~rfns ;ldltdf ePsf] x]/km]/ / ;f] sf] sf/0fM
cf=j= @)^&)^* df a}+ssf] ;~rfns ;ldltdf s'g} x]/km]/ gePsf] Joxf]/f cjut u/fp+b5f}+ .
6
^= sf/f]jf/nfO{ c;/ kfg]{ d"Vo s'/fx?M

a}+ssf] sf/f]jf/nfO{ c;/ kfg]{ d"Vo s'/fx? b]xfo adf]lhd 5g\M
-s_ a}+ls If]qdf x'g] c:j:y k|lt:kwf{af6 ;[hgf x'g] ;Defljt hf]lvdx? .
-v_ a}+s tyf ljQLo ;+:yfx?df t/ntfsf] ptf/ r9fjsf sf/0f a}+sdf x'g ;Sg] sl7gfO{ .
-u_ vl:sbf] Jofkfl/s jftfj/0fdf / cfly{s dGbLdf hf]lvd ;DklQsf] u'0f:t/ sfod /fVg sl7gfO{ .
-3_ lgodg lgsfox?af6 ;do ;dodf kl/jt{g x'g] gLlt lgoddf ePsf] jbnfjsf sf/0faf6 x'g ;Sg] ;+efljt hf]lvdx? .
-_ k"hL ahf/df cfpg ;Sg] ptf/ r9fjaf6 x'g ;Sg] hf]lvdx? .
-r_ shf{ tyf nufgLsf] bfo/f ;f+3'l/P/ pTkGg x'g ;Sg] hf]lvdx? .
-5_ ljZj cy{tGqdf x'g] ptf/ r9fjsf] k|efjn] kg{ ;Sg] c;/x? .
&= n]vfk/LIf0f k|ltj]bgdf s'g} s}lkmot pNn]v ePsf] eP ;f] pk/ ;~rfns ;ldltsf] k|lts[ofM
n]vfk/LIf0f k|ltj]bgdf ePsf] s}lkmotx? ;'wf/ ul/;lsPsf] 5 .
*= nfef+z af8f8 ug{ l;kmfl/; ul/Psf] /sdM
o; a}+ssf] ldlt @)^*)*@# df a;]sf] ;~rfns ;ldltsf] !!&cf}+ a}7sn] cf=j= @)^&)^* sf] gfkmfaf6 z]o/wgLx?nfO{
cfiff9 d;fGtdf sfod /x]sf] k"hLdf !%=&( k|ltzt nfef+z -!)=&( k|ltzt gub nfef+z tyf % k|ltzt jf]g; z]o/_ lbg] k|:tfj
u/]sf] 5 . l;kmfl/; ul/Psf] gub nfef+z / jf]g; z]o/ o;} ;fwf/0f ;efaf6 kfl/t x'g]5 eGg] xfdLn] ljZjf; lnPsf 5f}+ .
(= z]o/ hkmt ePsf] eP hkmt ePsf] z]o/ ;+Vof, To:tf] z]o/sf] clt d"No, To:tf] z]o/ hkmt x'g'eGbf cufj} ;f] afkt a}+sn] k|fKt
u/]sf] hDdf /sd / To:tf] z]o/ hkmt ePkl5 ;f] z]o/ laqmL u/L a}+sn] k|fKt u/]sf] /sd tyf hkmt ePsf] z]o/ jfkt /sd
lkmtf{ u/]sf] eP ;f] sf] ljj/0fM
;ldIff jif{df a}+sn] s'g} z]o/ hkmt u/]sf] 5}g .
!)= ljut cfly{s jif{df a}+s / o;sf] ;xfos sDkgLsf] sf/f]jf/sf] k|ult / ;f] cfly{s jif{sf] cGTodf /x]sf] l:yltsf]
k'g/fjnf]sgM
a}+sn] ljut cfly{s jif{{df u/]sf] k|ult ;DaGwdf dfyL pNn]v eO{;s]sf] 5 . a}+sn] nIdL Soflk6n dfs]{6 lnld6]8 dfkm{t Do"lrcn
km08 lgisfzg ;d]t ug{ nfu]sf] oxfx?nfO{ hfgsf/L u/fp+b5f}+ . o;sf ;fy;fy} a}+ssf] ;xfos sDkgL nIdL dfOqmf] kmfOgfG;
8]enkd]G6 a}+s lnld6]8 klg rf8}g} ;~rfngdf cfpg] ;d]t hfgsf/L u/fp+b5f}+ .
!!= a}+s tyf To;sf] ;xfos sDkgLn] cfly{s jif{df ;DkGg u/]sf] k|d'v sf/f]jf/x? / ;f] cjlwdf a}+ssf] sf/f]jf/df cfPsf] s'g}
dxTjk"0f{ kl/jt{gM
a}+s tyf o;sf] ;xfos sDkgLsf] k|d'v sf/f]jf/x? / sf/f]jf/df cfPsf] dxTjk"0f{ kl/jt{g ;DaGwdf dfly pNn]v ul/ ;lsPsf] 5 .
!@= ljut cfly{s jif{df a}+ssf] cfwf/e"t z]o/wgLx?n] a}+snfO{ pknJw u/fPsf] hfgsf/LM
;ldIff cjwLdf a}+snfO{ cfwf/e"t z]o/wgLx?af6 s'g} hfgsf/L pknJw gu/fOPtfklg s]xL cfwf/e"t z]o/wgLx?sf] gfd kqklqsf
dfkm{t ;fj{hflgs eO{ s]xL a}+s tyf ljQLo ;+:yfx?;u C0f ;DaGwL s'/fdf ljjfb ePsf] / s]xL a}+sx?n] cfkm\gf] C0f ;dodf r'Qmf
gu/]sf] eGb} lwtf]df /x]sf] nIdL a}+ssf] z]o/x? lnnfd laqmL ;d]t u/]sf 5g\ . pQm z]o/x?sf] laqmL kZrft cfwf/e"t z]o/wgLx?sf]
;+/rgfdf s]xL kl/jt{g ePsf] 5 .
!#= ljut cfly{s jif{df a}+ssf ;~rfns tyf kbflwsf/Lx?n] lnPsf] z]o/sf] :jfldTjsf] ljj/0f / a}+ssf] z]o/ sf/f]jf/df lghx?
;+nUg ePsf] eP ;f] ;DaGwdf lghx?af6 a}+sn] k|fKt u/]sf] hfgsf/LM
a}+ssf] ;~rfns tyf kbflwsf/Lx? z]o/ sf/f]jf/df ;+nUg ePsf] s'g} yk ljj/0f k|fKt ePsf] 5}g .
!$= ljut cfly{s jif{df a}+s;u ;DalGwt ;Demf}tfx?df s'g} ;~rfns tyf lghsf] glhssf] gft]bf/sf] JolQmut :jfy{sf] af/]df pknJw
u/fO{Psf] hfgsf/Lsf] Joxf]/fM
gePsf] .
!%= a}+sn] 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 / clt d"No tyf
To;/L z]o/ vl/b u/] jfkt a}+sn] e'QmfgL u/]sf] /sd M
xfn;Dd o; a}+sn] cfkm\gf] z]o/ cfkm}+n] vl/b u/]sf] 5}g .
!^= cfGtl/s lgoGq0f k|0ffnL eP jf gePsf] / ePsf] eP ;f] sf] lj:t[t ljj/0fM
a}s
+ n]] ;~rfns :t/Lo n]vf ;ldltsf] dftxtdf cfGtl/s n]vfk/LIf0f ljefu u7g u/L cfGtl/s n]vfk/LIf0fsf] sfo{nfO{ ;zQm jgfpg]
sfo{nfO{ lg/Gt/tf lbPsf] 5 . To;} u/L ;~rfng / shf{ hf]lvdsf] nflu 5'6\6f 5'6\6} ljefu v8f u/L kof{Kt gLltut Joj:yfx?
;lxt hf]lvd Joj:yfkg ub}{ cfPsf] 5 .
xfnsf] kl/k|]Iodf hf]lvd Joj:yfkgnfO{ cem ;'b[9 agfpg ;~rfns :tl/o hf]lvd Joj:yfkg ;ldlt u7g u/L ;f] cGt{ut k|efjsf/L
9n] hf]lvd Joj:yfkg Pj+ cfGtl/s lgoGq0f k|0ffnLsf] z'?jft ul/Psf] 5 . o;} l;nl;nfdf pRr txdf k|d'v hf]lvd clws[tsf]
lgo'QmL ;d]t eO;s]sf] 5 .
!&= ljut cfly{s jif{sf] s"n Joj:yfkg vr{sf] ljj/0fM

ut cfly{s jif{{df o; a}+ssf] s"n Joj:yfkg vr{ b]xfo jdf]lhd /x]sf] hfgsf/L u/fpb5f}+ .
Joj:yfkg vr{sf] ljj/0f
/sd -xhf/df_
sd{rf/L vr{
!%,&^,^@
sfof{no ;~rfng vr{
!^,(@,($
s'n Joj:yfkg vr{
#@,^(,%&
!*= 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
;~rfns ;ldltsf ;b:o >L /tg nfn ;+3O{, >L zDe' k|;fb cfrfo{ / >L CifL/fd uf}td /x]sf] ltg ;b:oLo n]vf k/LIf0f ;ldlt
/x]sf] 5 . pQm ;ldltdf cfGtl/s n]vf kl/If0f ljefusf k|jGws >L rf+bgL emf kb]g ;b:o x'g'x'G5 .
n]vfk/LIf0f ;ldltn] cfkm\gf] dftxtdf /x]sf] cfGtl/s n]vf k/LIf0f ljefu dfkm{t a}+ssf] ;j} zfvf / ljefux?sf] n]vfk/LIf0f u/]sf]
5 . n]vfk/LIf0fnfO{ kf/bzL{ jgfpgsf nflu n]vfk/LIf0f :t/ sfod ug]{ dfkb08x? sfof{Gjogdf NofPsf] / g]kfn /fi6 a}+ssf] lg/LIf0f
kZrft lbPsf lgb]{zgx?sf] cWoog Pj+ hjfkm lbg] nufotsf lgoldt sfd sf/jfxLx? ub}{ cfPsf] 5 .
o; cjlwdf n]vfkl/If0f ;ldltsf] hDdf !@ j6f j}7s j;]sf] / a}+7s eQf afkt hDdf ?= @,)$,))) vr{ ePsf] 5 . pQm
;ldltsf kb]g ;b:onfO{ a}7s eQfsf] Joj:yf ul/Psf] 5}g .
!(= ;~rfns, sfo{sf/L k|d'v, a}+ssf cfwf/e"t z]o/wgL jf lghsf] glhssf gft]bf/ jf lgh ;+nUg /x]sf] kmd{, sDkgL jf ;ul7t
;+:yfn] a}+snfO{ s'g} /sd a'emfpg afsL eP ;f] s'/fM
o; a}+ssf ;~rfnsx?, sfo{sf/L k|d'v, a}+ssf cfwf/e't z]o/wgLx? tyf lghx?sf glhssf gft]bf/ jf lghx? ;+nUg /x]sf] kmd{,
sDkgL jf ;u7Lt ;+:yfn] s'g} /sd a'emfpg afsL /x]sf] 5}g .
@)= ;~rfns, sfo{sf/L k|d'v tyf kbflwsf/Lx?nfO{ e'QmfgL ul/Psf] kfl/>lds, eQf tyf ;'ljwfsf] /sdM
;~rfnsx?nfO{ kfl/>ldssf] Joj:yf ul/Psf] 5}g . ;~rfns ;ldltsf] a}7sdf efu lnP jfkt k|lt j}7s cWoIfnfO{ ?= *,)))
/ ;~rfnsnfO{ ?= ^,))) eQf pknJw u/fOPsf] 5 . o; jfx]s k|lt dlxgf df]jfOn kmf]g vr{ ;f]wegf{ afkt ?= @,))) /
a}7s :yn eGbf aflx/sf ;~rfnsx?nfO{ ;~rfns ;ldltsf] a}7sdf efu lng cfpg hfgsf nflu e|d0f vr{ ;f]wegf{ pknJw
u/fOPsf] 5 . ;~rfns ;ldltsf cWoIf >L /fh]Gb| s'df/ v]tfgHo"n] df]jfO{n vr{ ;f]wegf{ afktsf] /sd lng'ePsf] 5}g .
sfo{sf/L k|d'v tyf d'Vo kbflwsf/Lx?sf] kfl/>lds, eQf, d'gfkmf jf]g; tyf ;'ljwf lgDg adf]lhd /x]sf] 5 . sfo{sf/L k|d'v tyf
sDkgL ;lrjnfO{ a}7s eQfsf] Joj:yf ul/Psf] 5}g .
l;=g++= kb
@!=
@@=
@#=
@$=
-s_
-v_
pknJw u/fO{Psf] s'n kfl/>lds, eQf tyf

;'ljwf -?=xhf/df_
!=
k|d'v sfo{sf/L clws[t
!,#!,%&=*)
@=
cGo k|jGwsx?
$,)$,*$=(%
sfo{sf/L k|d'v nufot pRr Joj:yfksx?sf] tnj ;'ljwfsf] u|fotf ;DaGwdf nIdL a}+s ;hu /x]sf] 5 . xfn pknJw u/fO{Psf
tnj ;'ljwf a}+ssf] ;jntf / ;'b[9tf Pj+ eljiodf x'g] k|ultsf] cfwf/df d"Nofg ubf{ ;xL, ;do ;fk]If / u|fo /x]sf]df ;~rfns
;ldlt ljZj:t 5 .
z]o/wgLx?n] a'lemlng afsL /x]sf] nfef+zsf] /sdM
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s ljZj cy{tGqsf] sf/0f ljb]zL ljlgdo b/df ptf/ r9fj x'g' .
s cl:y/ ;fdflhs / /fhg}lts sf/0f / nf]8 ;]l8sf] ;dodf j[l4 x'g' .
s a}+ls If]qdf t/ntfsf] cj:yf cl:y/ x'g' .
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s ;DklQ / bfloTjsf] ahf/sf] cj:yf cg';f/ k'g{d"Nofg ug]{] .
s rfn' ;]jfx?sf] lj:tf/sf ;fy} gof+ ;]jfx?sf] z'?jft ug]{ .
s hf]lvd Joj:yfkgsf] ;'b[l9s/0fsf] ;fy} nufgL Joj:yfkg ug]{ .
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s c;n a}+ls k"jf{wf/x?nfO{ ;'b[9 ug]{ .
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/ a}+sn] k|rlnt sfg"g tyf k"j{ lgwf{l/t hf]lvd dfkb08sf] clwgdf /xL ;j} lgodx?sf] k"0f{ ?kdf cg'kfng u/]sf] 5 .
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lh1f;fx?sf] plrt lgisz{ lgsfNg] pko'Qm / dxTjk'0f{ ynf] jflif{s ;fwf/0f ;ef ePsf]n] ;j} z]o/wgL dxfg'efjx?nfO{ ;efdf
;xefuL eO{ a}+ssf] k|ultdf 5nkmn ug{ k|f]T;flxt u/]sf5f}+ .
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a}+ssf] k|ultsf] nflu ;xof]u, ;b\efj, cd"No ;'emfj tyf dfu{bz{g k|bfg ug'{ x'g] ;Dk'0f{ z]o/wgL dxfg'efjx?, lgodgsf/L lgsfox?
tyf cfb/0fLo u|fxsju{ tyf nfeu|fxL Pj+ ;d:t ;/f]sf/jfnfx? k|lt xflb{s s[t1tf ;lxt wGojfb 1fkg ub{5f}+ . ;fy} a}+snfO{ o;
prfO{df k'ofpg cys kl/>d ug]{ Joj:yfkg tyf sd{rf/Lx?nfO{ ljz]if wGojfb 1fkg ub{5f}+ .
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k|:tfljt tyf e'QmfgL lbg afsL nfef+z
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dfu tyf cNk ;"rgfdf k|fKt x'g] /sd
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12
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13
gub k|jfx ljj/0f

ljj/0f
-s_ sf/f]jf/ ;~rfngaf6 gub k|jfx
!= gub k|flKt
!=! Aofh cfDbfgL
!=@ sldzg tyf l8:sfp06 cfDbfgL
!=# ljb]zL ljlgdo sf/f]jf/af6 cfDbfgL
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!= dfu tyf cNk;"rgfdf k|fKt x'g] /sddf sdL-j[l4_
@= cGo cNksfnLg nufgLdf sdL-j[l4_
#= shf{ tyf lan v/Lbdf sdL-jl[4_
$= cGo ;DklQdf sdL-j[l4_
;~rfng ;DalGw rfn' bfloTjdf -sdL_j[l4
!= lgIf]k bfloTjdf -sdL_j[l4
@= ;l6{lkms]6 ckm l8kf]lh6df -sdL_j[l4
#= cNksfnLg ;fk6Ldf -sdL_j[l4
$= cGo bfloTjdf -sdL_j[l4
-v_ nufgL sf/f]jf/af6 gub k|jfx
!= bL3{sfnLg nufgLdf sdL-j[l4_
@= :yL/ ;DklQdf sdL-j[l4_
#= bL3{sfnLg nufgLdf Aofh cfDbfgL
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%= cGo
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!= bL3{sfnLg C0f -a08, l8j]Gr/ cflb_ df j[l4-sdL_
@= z]o/ k'hL tyf z]o/ lk|ldoddf j[l4-sdL_
#= cGo bfloTjdf j[l4-sdL_
$= g]kfn /fi6 a}+saf6 k|fKt ;x'lnotk"g/shf{df j[l4-sdL_
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-_ o; jif{sf] ;Dk"0f{ ultljlwaf6 gub k|jfx
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14
o; jif{ ?=
ut jif{ ?=
1,14,90,22,542
(37,49,70,993)
2,50,16,69,219 1,88,80,43,224
2,28,81,42,953 1,72,88,15,089
7,96,35,246
4,83,10,617
6,31,27,874
4,75,63,308
8,07,000
32,58,695
6,99,56,145
6,00,95,515
1,99,78,70,773
1,45,61,12,191
1,51,38,32,927 1,05,97,88,935
20,43,71,951
14,90,01,140
12,00,59,922
10,36,81,098
15,96,05,973
14,36,41,018
50,37,98,445
43,19,31,033
42,39,66,941 (2,49,88,82,455)
85,43,77,086 (49,86,77,086)
24,69,84,127
(70,37,54,733)
(65,30,66,943) (1,28,07,54,083)
(2,43,27,329)
(1,56,96,553)
22,12,57,156 1,69,19,80,430
21,66,69,632 2,03,16,54,892
(10,00,00,000) (35,00,00,000)
10,45,87,524
1,03,25,538
(21,51,34,463)
(6,87,42,446)
(10,15,00,000)
(11,36,34,463)
(6,89,74,244)
2,31,799
8,06,76,025
45,16,39,954
8,06,76,025
45,16,39,954
1,01,45,64,104
79,26,516
1,84,07,04,239
1,83,27,77,723
2,85,52,68,343 1,84,07,04,239
15
-17,40,98,862_
k|:tfljt af]g; z]o/
gub nfef+;
;6xL 36a9 sf]if
clGtd df}Hbft
k|m]l;jgn af]g; z]o/ Sof/L cf]e/
1,69,41,96,525
1,12,74,078
-25,06,495_
:yug s/ sf]i
-5,00,00,000_
-18,99,530_
-17,16,210_
-8,06,76,025_
nufgL yk#^ sf]i
z]o/ lk|ldod
l*j]Gr/ ltf{ sf]i
8,06,76,025
k"hL ;dfof]h sf]k
-7,50,29,019_
37,51,45,095
23,00,25,003
7,50,29,019
1,70,42,134 15,49,95,984
;fw/0f hu]8f sf]if
af]g; z]o/ tyf xsk|b z]o/ sn]S;g
;fwf/0f hu]8f
sf]if
1,70,42,134 15,49,95,984
;l~rt gff
-gf]S;fg_
1,61,35,20,500
1,61,35,20,500
z]o/ k'hL
o; jif{sf] v'b gfkmf
s'n df}Hbft
;l~rt d'gffdf ;dfof]hg
;dfof]hg M
z'? df}Hbft
ljj/0f
34,40,197
18,99,530
15,40,667
15,40,667
nufgL
;dfof]hg
sf]if
z]o/
lk|ldod
1,30,71,581
1,30,71,581
1,30,71,581
-cf= j= @)^&^*_
l8j]Gr/ ltf{
sf]if
25,06,495
25,06,495
:yug s/
sf]if
-0_
-25,06,495_
5,00,00,000
1,13,69,339 15,00,00,000
17,16,210
96,53,130 10,00,00,000
96,53,130 10,00,00,000
;6xL 36a9
sf]if
OSjL6Ldf ePsf] kl/jt{g ;DalGw ljj/0f
cGo
;l~rt tyf
sf]if
2,11,33,76,723
8,06,76,025
-17,40,98,862_
-8,06,76,025_
37,51,45,095
1,91,23,30,491
1,91,23,30,491
s'n /sd
?k}ofdf
z]o/ k'hL tyf :jfldTj
cg';"rL $=!
#@ cfiff9 @)^* -!^ h'nfO{ @)!!_
?k}ofdf
ljj/0f
!=
o; jif{
z]o/ k'hL
!=! clws[t k'hL
s_ @,)),)),))) ;fwf/0f z]o/ k|lt z]o/ ?= !)) sf b/n]
v_ gg\l/l8d]jn lk|km/]G; z]o/ k|lt z]o/ = n]
u_ l/l8d]jn lk|km/]G; z]o/ k|lt z]o/ = n]
!=@ hf/L k'hL
s_ !,^!,#%,@)% ;fwf/0f z]o/ k|lt z]o/ ?= !)) sf b/n]
u_ l/l8d]jn lk|lkm/]G; z]o/ k|lt z]o/ = n]
!=# r'Qmf k'hL
s_ !,^!,#%,@)% ;fwf/0f z]o/ k|lt z]o/ ?= !)) sf b/n]
u_ l/l8d]jn lk|km/]G; z]o/ k|lt z]o/ = n]
!=$ k|:tfljt af]g; z]o/
!=% sn Og P8efG;
hDdf -!=#!=$!=%_
ut jif{
@,)),)),)),)))
@,)),)),)),)))
!,^!,#%,@),%))
!,^!,#%,@),%))
!,^!,#%,@),%))
!,^!,#%,@),%))
*,)^,&^,)@%
1,69,41,96,525
@,)),)),)),)))
@,)),)),)),)))
!,^!,#%,@),%))
!,^!,#%,@),%))
!,^!,#%,@),%))
!,^!,#%,@),%))
1,61,35,20,500
z]o/ :jfldTj
#@ cfiff9 @)^* -!^ h'nfO{ @)!!_
ljj/0f
-s_ :jb]zL :jfldTj
!= g]kfn ;/sf/
#= s ju{sf Ohfhtkqk|fKt ;+:yfx?
$= cGo Ohfhtkqk|fKt ;+:yfx?
%= cGo ;+:yfx? -;+:yfks_
^= JolQmut
&= cGo -;+:yfks_
-v_ ljb]zL :jfldTj
hDdf
16
o; jif{
?=
!)) !,^!,#%,@),%))
#%=@* %^,(!,((,())
#%=%# %&,##,&*,!))
@(=!( $&,)(,$@,%))
!))=)) !,^!,#%,@),%))
ut jif{
!))
#%=@*
#%=%#
@(=!(
!))=))
?=
!,^!,#%,@),%))
%^,(!,((,())
%&,##,&*,!))
$,&)(,$@,%))
!,^!,#%,@),%))
)=% eGbf a9L :jfldTj ePsf z]o/wgLsf] ljj/0f

qm=;+=
!=
@=
#=
$=
%=
^=
&=
*=
(=
!)=
!@=
!#=
!$=
!!=
!%=
!*=
!^=
!&=
!(=
@)=
o; jif{
ljj/0f
12=05
10=28
9=02
8=61
8=04
6=15
5=18
2=90
2=67
2=51
2=07
1=96
1=87
1=82
1=06
0=99
0=98
0=98
0=82
0=69
lxdfnog PShLd k|f=ln=

;fl/sf v]tfg
gful/s nufgL sf]if
/tg nfn ;+3fO{
Pd l6 l; OGe]i6d]G6 k|f=ln=
uf]kL s[i0f lzsl/of
lzj eujfg O08li6h k|f=ln=
k'gd v]tfg
g]kfn d]Gyf k|f]8S6;\ k|f=ln=
k|fOd xf]lN8 k|f=ln=
cldt u'Ktf cu|jfn
g]kfn /]ld6]G; k|f=ln=
l8D; Soflk6n lnld6]8
?lr hhf]l8of
s[lif k|]d'/f k|f]kl6{h k|f=ln=
xf/tL OGe]i6d]G6 k|f=ln=
Do'lron 6]l8 s+= k|f=ln=
/fh]Gb| s'df/ v]tfg
;ljtf b]lj ?+u6f
lbks s'df/ dNxf]qf
z]o/ k'hL ?=
19,45,07,400
16,58,21,900
14,55,30,000
13,89,15,000
12,96,54,000
9,92,25,000
8,36,32,500
4,68,40,400
4,31,40,600
4,04,34,400
3,34,53,000
3,15,86,800
3,02,12,700
2,93,42,200
1,71,35,400
1,60,44,600
1,58,76,000
1,58,76,000
1,32,30,000
1,10,80,900
hu]8f tyf sf]ifx
cg';"rL $=@
#@ cfiff9 @)^* -!^ h'nfO{ @)!!_

ljj/0f
!= ;fwf/0f hu]8f sf]if
@= k'hL hu]8f sf]if
s= z]o/ lk|ldod
#= k'hLut hu]8f sf]if
s= nIdL a}+s l8j]Gr/ @)&@
$= k'hL ;dfof]hg sf]if
%= cGo hu]8f tyf sf]if
s_ e}k/L cfpg] hu]8f
v_ ;+:yf ljsf; sf]if
u_ nfef+z ;dLs/0f sf]if
3_ ljz]if hu]8f sf]if
_ ;DklQ k'gd{"Nofg sf]if
r_ cGo :jtGq sf]if
5_ nufgL ;dfof]hg sf]if
h_ :yug s/ sf]if
^= ;l~rt gff-gf]S;fg_
&= ;6xL 36a9 sf]if
hDdf
?k}ofdf
o; jif{
!,#),&!,%*!
!%,)),)),)))
#$,$),!(&
@#,)),@%,))#
!,#),&!,%*!
ut jif{
!%,)),)),)))
#$,$),!(&
!,!@,&$,)&*
!,!#,^(,##(
!%,$(,(%,(*$
!,#),&!,%*!
!,#),&!,%*!
!),)),)),)))
!),)),)),)))
$),$&,!^@
!%,$),^^&
@%,)^,$(%
!,&),$@,!##
(^,%#,!#)
$!,(!,*),!(*
@(,**,)(,(()
17
C0fkq tyf a08
cg';"rL $=#
#@ cfiff9 @)^* -!^ h'nfO{ @)!!_

ljj/0f
?k}ofdf
o; jif{
!= *=% k|ltzt l8j]Gr/ k|lt C0fkq = !,))) sf] b/n] @)&@

@% gf]e]da/ @))* df hf/L ePsf] / @$ gf]e]Da/ @)!% AD df r'Qmf x'g]
-xfn;Ddsf] Redemption Reserve /sd = !%,)),)),)))_
@= k|ltzt j08C0fkq k|lt C0fkq = sf] b/n]
ldlt df hf/L ePsf] / ldlt df r'Qmf x'g]
-xfn;Ddsf] Redemption Reserve /sd = _
#= k|ltzt j08 C0fkq k|lt C0fkq = sf] b/n]
ldlt df hf/L ePsf] / ldlt df r'Qmf x'g]
-xfn;Ddsf] Redemption Reserve /sd = _
hDdf -!@#_
ut jif{
#%,)),)),)))
#%,)),)),)))
#%,)),)),)))
#%,)),)),)))
ltg{ afsL shf{ -;fk6L_
cg';"rL $=$
#@ cfiff9 @)^* -!^ h'nfO{ @)!!_

ljj/0f
s_ :jb]zL
!= g]kfn ;/sf/
@= g]kfn /fi6 a}+s -:yfoL t/ntf ;'ljwf_
#= l/kf] bfloTj
$= cGt/ a}+s tyf ljQLo ;+:yf
%= cGo ;ul7t ;+:yfx?
^= cGo
v_ ljb]zL
!= a}+sx
@= cGo
hDdf -sv_
18
?k}ofdf
o; jif{
hDdf
hDdf
ut jif{
!),)),)),)))
!),)),)),)))
!),)),)),)))
lgIf]k bfloTj
cg';"rL $=%
#@ cfiff9 @)^* -!^ h'nfO{ @)!!_

ljj/0f
?k}ofdf
o; jif{
ut jif{
Aofh ltg'{ gkg]{ vftfx

s_ rNtL lx;fa
&$,(%,$(,$#!
*!,((,^),*)^
!= :jb]zL d'b|fdf
!=! g]kfn ;/sf/
!=@ s ju{sf Ohfhtkq k|fKt ;+:yfx?
!=# cGo Ohfhtkq k|fKt ljQLo ;+:yfx?
!=$ cGo ;ul7t ;+:yfx
!=% JolQmut
!=^ cGo
^^,%%,@!,@^)
!^,%&,^&^
%!,&*,&&&
(!,#*,*(&
^@,!),&*,&*(
@,*$,^&,!@!
&^,(#,@^,%@@
#*,(*,&((
$,)(,!*,*(#
^(,*(,@*,*!^
@,%%,*),)!$
@= ljb]zL d'b|fdf
@=! g]kfn ;/sf/
@=@ s ju{sf Ohfhtkq k|fKt ;+:yfx?
@=# cGo Ohfhtkq k|fKt ljQLo ;+:yfx?
@=$ cGo ;ul7t ;+:yfx
@=% JolQmut
@=^ cGo
*,$),@*,!&!
*,$),@*,!&!
%,)^,#$,@*$
%,)%,&^,*%#
%&,$#!
!(,@!,*@,!&#
*,%),&@,&@!
!),&!,)(,$%@
!$,*),)^,%^%
%,@(,$@,(&$
(,%),^#,%(!
!,$&,*!,#&(
!%,#!,*!,)$@
!= :jb]zL d'b|fdf
!=! ljQLo ;+:yfx
!=@ cGo ;ul7t ;+:yfx
!=# JolQmut
!,$&,*!,#&(
!,$&,*!,#&(
!%,#!,*!,)$@
!%,#!,*!,)$@
@= ljb]zL d'b|fdf
@=! ljQLo ;+:yfx
@=@ cGo ;ul7t ;+:yfx
@=# JolQmut
Aofh ltg'{ gkg]{ vftfxsf] hDdf -!_
(%,^%,!@,(*#
!,!@,!!,$*,$!#
v_ dflh{g
!= sd{rf/L hdfgt
@= hdfgt dflh{g
#= k|tLtkq dflh{g
u_ cGo
19
lgIf]k bfloTj qmdzM ========
cg';"rL $=%
#@ cfiff9 @)^* -!^ h'nfO{ @)!!_

ljj/0f
20
?k}ofdf
o; jif{
ut jif{
Aofh ltg'{kg]{ vftfx

s_ art lx;fa
!= :jb]zL d'b|fdf
!=! ;+3 ;+:yfx
!=@ JolQmut
!=# cGo
@= ljb]zL d'b|fdf
@=! ;+3 ;+:yfx
@=@ JolQmut
@=# cGo
#,@!,%&,@@,###
#,)&,)^,@*,&#%
$$,#*,%&(
#,)^,^!,(),!%^
!$,%),(#,%(*
!$,%),(#,%(*
#,^*,$(,!%,&$*
#,$^,$!,&^,$)%
&,$$,&((
#,$^,#$,#!,^)^
@@,)&,#(,#$#
@@,)&,#(,#$#
v_ d'2tL lx;fa
!= :jb]zL d'b|fdf
!=! ;+3 ;+:yfx
!=@ JolQmut
!=# cGo
@= ljb]zL d'b|fdf
@=! ;+3 ;+:yfx
@=@ JolQmut
@=# cGo
(,$%,#%,^*,#&)
*,^),)%,@&,!@)
%,!!,&$,^$,(@(
#,$*,#),^@,!(!
*%,#),$!,@%)
*$,($,*!,@%)
#%,^),)))
&,*@,!$,%*,!)%
^,$&,@#,&^,!)%
$,#),&!,%%,^%%
@,!^,%@,@),$%)
!,#$,(),*@,)))
!,#$,(),*@,)))
u_ dfu]sf] avt ltg'{kg]{ lx;fa

!= :jb]zL d'b|fdf
!=! s ju{sf Ohfhtkq k|fKt ;+:yfx?
!=@ cGo O=k|f= ljQLo ;+:yfx
!=# cGo ;ul7t ;+:yfx
!=$ JolQmut
!=% cGo
@= ljb]zL d'b|fdf
@=! s ju{sf Ohfhtkq k|fKt ;+:yfx?
@=@ cGo O=k|f= ljQLo ;+:yfx
@=# cGo ;ul7t ;+:yfx
@=$ JolQmut
@=% cGo
$,^&,#*,@#,(#$
$,$),#*,#$,&@!
&),%),*&,^)$
@,@!,!%,^@,#!@
!,$*,&!,*$,*)%
@^,((,*(,@!#
!(,%#,$^,@@&
&,$^,$@,(*^
%,$%,%$,#%,&@!
$,($,&#,)!,^$%
!^,@),(%,!!#
((,&!,#@,%#@
@,&),$(,!(,(!*
!,)*,#!,%$,)*@
%),*!,#$,)&^
$*,^%,@*,*@)
@,!^,)%,@%^
3_ ;l6{ls]6 c l8kf]lh6
!= ;ul7t ;+:yfx
@= JolQmut
#= cGo
Aofh ltg'{kg]{ vftfxsf] hDdf -@_
hDdf lgIf]k -!@_
!&,#$,#!,!$,^#&
!*,@(,(^,@&,^@)
!^,(^,!*,)(,%&%
!*,)*,@(,%&,(**
cg';"rL $=^
#@ cfiff9 @)^* -!^ h'nfO{ @)!!_

ljj/0f
?k}ofdf
o; jif{
ut jif{
!= :jb]zL d'b|f
#),@!,)),)#(
%@,^@,()@
@= ljb]zL d'b|f
#),@!,)),)#(
%@,^@,()@
hDdf
cGo bfloTj
cg';"rL $=&
#@ cfiff9 @)^* -!^ h'nfO{ @)!!_

ljj/0f
?k}ofdf
o; jif{
ut jif{
!= k]G;gpkbfg sf]if
@= sd{rf/L ;~ro sf]if
#= sd{rf/L sNof0f sf]iflabf sf]if
$= sd{rf/L af]g; Joj:yf
%,#(,$),*%$
$,^&,)(,&)#
%= lgIf]kdf e'QmfgL lbg afsL Aofh
!&,)^,&#,$$)
!^,##,#%,&^$
^= ;fk6Ldf e'QmfgL lbg afsL Aofh
*(,)!,#&)
#%,!@,$@!
!,!(,#),^#)
!,$$,^^,!#^
@^,@^,&&^
%,^^,)*,$%%
$,##,*@,)#&
@,&$,$*)
!@= e'QmfgL afsL nfef+z
&&,%!,)$*
!,%),*@@
!#= cGo
*&,*#,@$!
!,@!,)!,*##
$,(&,@))
$,%@,)))
-v_ ltg{ afsL /]ld6]G;\
@*,!&,$((
&%,)!,@(!
-u_ cGo
%$,^*,%$@
$!,$*,%$@
#!,^),!),)&%
@*,(!,#*,(#%
&= C0fkq tyf j08 e'QmfgL lbg afsL Aofh

*= kfsL g;s]sf] l8:sfp06 / sldzg
(= ;fx'x
!)= zfvf ldnfg lx;fa
!!= :yug s/ bfloTj
-s_ ltg{ afsL n]vf k/LIf0f z'Ns
hDdf
21
gub df}Hbft
cg';"rL $=*
#@ cfiff9 @)^* -!^ h'nfO{ @)!!_
?k}ofdf
ljj/0f
o; jif{
!= :jb]zL d'b|f -l;Ssf ;d]t_

@= ljb]zL d'b|f
hDdf
ut jif{
#%,!^,$),(($
@#,(*,%#,*%)
%),@*,@$@
#%,^^,^(,@#^
$#,%!,@$!
@$,$@,)%,)(!
cg';"rL $=(
#@ cfiff9 @)^* -!^ h'nfO{ @)!!_
!=
ljb]zL d'b|f
kl/jTo{ lj=d'=
?k}ofdf
ut jif{
s'n
o; jif{
s'n
ljj/0f
:jb]zL d'b|f
g]kfn /fi6 a}+s
!,&(,%%,)@,!(*
&,)(,**,%)( &,)(,**,%)( !,*^,^$,(),&)&
!,@!,(&,!^,&!^
s_ rNtL vftf
!,&(,%%,)@,!(*
&,)(,**,%)( &,)(,**,%)( !,*^,^$,(),&)&
!,@!,(&,!&,&!^
v_ cGo vftf
ef=?=
hDdf
a}+s tyf ljQLo ;+:yfdf /x]sf] df}Hbft
cg';"rL $=!)
#@ cfiff9 @)^* -!^ h'nfO{ @)!!_

ljj/0f
!=
:jb]zL d'b|f
ljb]zL d'b|f
kl/jTo{ lj=d'=
ef=?=
?k}ofdf
ut jif{
s'n
o; jif{
s'n
hDdf
:jb]zL O=k|f= ;+:yfx? *,*$,$%,))*
$,&#,#$,&*) $,&#,#$,&*) !#,%&,&(,&**
#,**,*^,&!*
s_ rNtL vftf
*,*$,$%,))*
$,&#,#$,&*) $,&#,#$,&*) !#,%&,&(,&**
#,**,*^,&!*
v_ cGo vftf
@= ljb]zL a}+sx
s_ rNtL vftf
v_ cGo vftf
!!,(%,)@! $!,$$,%&,%^$ $!,%^,%@,%*% $!,%^,%@,%*% ##,&*,(%,&!$

!!,(%,)@! $!,$$,%&,%^$ $!,%^,%@,%*% $!,%^,%@,%*% ##,&*,(%,&!$
*,*$,$%,))*
!!,(%,)@! $^,!&,(@,#$$ $^,@(,*&,#^% %%,!$,#@,#&# #&,^&,*@,$#@
hDdf
gf]6M ;DalGwt Ohfhtkqk|fKt ;+:yfx?sf] ;dy{gkq cg';f/sf] s'n df}Hbft = !,&*,)^,$%,)(^ /x]sf] / /s Plsg e};sL
ldnfgsf] qmddf /x]sf] 5g\ .
22
dfu tyf cNk ;"rgfdf k|fKt x'g] /sdx

#@ cfiff9 @)^* -!^ h'nfO{ @)!!_
ljj/0f
cg';"rL $=!!
?k}ofdf
o; jif{
ut jif{
!= :jb]zL d'b|f
%,)),)),)))
!%,)),)),)))
@= ljb]zL d'b|f
hDdf
%,)),)),)))
&%,$#,&&,)*^
(),$#,&&,)*^
nufgL
cg';"rL $=!@
?k}ofdf
#@ cfiff9 @)^* -!^ h'nfO{ @)!!_

ljj/0f
!=
@=
#=
$=
%=
^=
&=
*=
(=
!)=
g]kfn ;/sf/sf] 6]h/L laN;

g]kfn ;/sf/sf] artkq
g]kfn ;/sf/sf] cGo ;'/If0fdf nufgL
g]kfn /fi6 a}+s j08
ljb]zL ;'/IF0f
:jb]zL Ohfhtkqk|fKt ;+:yf
ljb]zL a}+s
;ul7t ;+:yfx?sf] z]o/
;ul7t ;+:yfx?sf] l8a]Gr/ tyf a08
cGo nufgL
s'n nufgL
Joj:yf
v'b nufgL
k|of]hg
Jofkfl/s
cGo
o; jif{
!,(%,@^,!%,$*( !,(%,@^,!%,$*(
!,&),%),)))
!,&),%),)))
*%,$$,)(,(^(
*%,$$,)(,(^(
!&,&%,##,#$)
!&,&%,##,#$)
%,)),)),)))
%,)),)),)))
#,)%,!^,)*,&(* #,)%,!^,)*,&(*
!,)!,*&,)#!
!,)!,*&,)#!
#,)$,!$,@!,&^& #,)$,!$,@!,&^&
ut jif{
!,$%,@#,)$,%*%
!),)),)))
!,&),%),)))
$^,(),)),)))
!,!#,!&,)%,)))
&,^),##,#$)
%,)),)),)))
#,!(,&),(@,(@%
!,)!,*&,)#!
#,!*,^(,)%,*($
23
;ul7t ;+:yfsf] z]o/, l8a]Gr/ tyf a08df nufgL

#@ cfiff9 @)^* -!^ h'nfO{ @)!!_
ljj/0f
!= z]o/df nufgL
!=! g]kfn a}+s lnld6]8
@(,))) lsQf ;fwf/0f z]o/ ?= !)) sf b/n] r'Qmf
-cg';"rL $=## sf] gf]6 !! x]g'{xf]nf _
!=@ Pe/]i6 OG:of]/]G; sDkgL
!!,&!! lsQf ;fwf/0f z]o/ ?= !)) sf b/n] r'Qmf
-*,@$! af]g; z]o/ ;d]t_
!=# ;f]N6L xf]6n lnld6]8
!$,$*% lsQf ;fwf/0f z]o/ ?= !) sf b/n] r'Qmf
-*,!%$ af]g; z]o/ ;d]t_
!=$ lxdfnog l8li6n/L lnld6]8
*,($) lsQf ;fwf/0f z]o/ ?= %) sf b/n] r'Qmf
-cg';"rL $=## sf] gf]6 !! x]g'{xf]nf _
!=% shf{ ;"rgf s]Gb| ln=
#^,))) ;fwf/0f z]o/ ?= !)) sf b/n] r'Qmf
-!&,&^% af]g; z]o/ ;d]t_
!=^ k|fOd nfO OG:of]/]G; sDkgL
?k}ofdf
o; jif{
ahf/ df]n
k/n df]n
ut jif{
Joj:yf
!&,&%,##,#$)
&,^),##,#$)
(&,$),)#!
;"rL/0faf6 x6fOPsf]
(&,$),)#!
(&,$),)#!
@),*@,)))
#^,#),$!)
@),*@,)))
&,$),*)(
@(,@%,(&)
&,$),*)(
$,$&,)))
$,$&,)))
$,$&,)))
;"rLs[t gePsf]
!*,@#,%))
!*,@#,%))
%,$),))) ;fwf/0f z]o/ k|lt z]o/ ?= !)) sf b/n]] r'Qmf %,$),)),)))
!=& g]kfn lSnol/ xfp; ln=
cg';"rL $=!@ -s_
(,@#,$),)))
@%,)),))) ;"rLs[t gePsf]
%,$),)),)))
@%,)),)))
!@,)),))) ;"rLs[t gePsf]
!@,)),)))
#,%),)),))) ;"rLs[t gePsf]
#%,)),)))
&,)),)),))) ;"rLs[t gePsf]
@%,))) ;fwf/0f z]o/ k|lt z]o/ ?= !)) sf b/n]] r'Qmf
!=* g]zgn a}+ls 6]lg OlG:6Ro";g

!@,))) ;fwf/0f z]o/ k|lt z]o/ ?= !)) sf b/n]] r'Qmf
!=( nIdL dfOqmf]fOgfG; 8]enkd]G6 a}+s ln=

-cu|Ld e'QmfgL_
!=!) nIdL Soflk6n dfs]{6;\
-&,)),))) k|df]6/ z]o/ k|lt z]o/ ?= !)) sf b/n] r'Qmf_
@= l8a]Gr/ tyf a08df nufgL

@=! g]kfn ljB't k|flws/0f
-&=&%, kfj/ j08 ?= !))) sf b/n]_
@=@
hDdf nufgL
#= hf]lvd ;DaGwL Joj:yf
#=! ut jif{;Ddsf] Joj:yf

#=@ o; jif{sf] yk-36_
s'n Joj:yf
v'b nufgL
gf]6M !=
24
N/L
g]kfn :6s PS;r]Gh lnld6]8df ;"rL gePsf] .
%,)),)),)))
%,)),)),)))
@@,&%,##,#$)
!,)!,*&,)#!
!,)!,*&,)#!
@!,&#,$^,#)(
%,)),)),)))
%,)),)),)))
!@,^),##,#$)
!,)!,*&,)#!
!,)!,*&,)#! !,)!,*&,)#!
!,)!,*&,)#! !,)!,*&,)#!
!!,%*,$^,#)(
Jofkfl/s nufgL
#@ cfiff9 @)^* -!^ h'nfO{ @)!!_
cg';"rL $=!@=!
ljj/0f
k/n d"No
kl5Nnf] ahf/
d"No -s_
xfnsf] ahf/
d"No -v_
o; jif{
gff
-gf]S;fg_
/sd -vs_
ut jif{
gff
gf]S;fg /sd
s}lot
!= g]kfn ;/sf/sf] 6]h/L lan

@= g]kfn ;/sf/sf] artkq
#= g]kfn ;/sf/sf] cGo C0fkq
$= g]=/f= a}+s C0fkq
%= lab]zL C0fkq
^= :jb]zL O=k= k|fKt ;+:yfsf] z]o/
&= :jb]zL O=k= k|fKt ;+:yfsf] l8j]Gr/ tyf j08
*= :jb]zL ;ul7t ;+:yfsf] z]o/, l8j]Gr/ tyf j08
(= ljb]zL a}+s nufgL -Placement_
!)= cGt/a}+s nufgL
!!= cGo nufgL
s'n nufgL
25
e'QmfgL ldlt;Dd wf/0f ug]{ nufgL

#@ cfiff9 @)^* -!^ h'nfO{ @)!!_
cg';"rL $=!@=@
ljj/0f
k/n d"No -s_
kl5Nnf]
ahf/ d"No
-v_
xfnsf]
ahf/ d"No
-u_
o; jif{
gff
-gf]S;fg_
/sd -vs_
ut jif{
gff
gf]S;fg
/sd
s}lot

1,95,26,15,489
1,70,50,000
%= lab]zL C0fkq
5,00,00,000
85,44,09,969
!)= cGo nufgL
s'n nufgL 2,87,40,75,458
laqmLsf] nflu nufgL

#@ cfiff9 @)^* -!^ h'nfO{ @)!!_
cg';"rL $=!@=#
ljj/0f

%= lab]zL C0fkq
!)= cGo nufgL
s'n nufgL
26
k/n d"No
!&,&%,##,#$)
!&,&%,##,#$)
kl5Nnf] ahf/ xfnsf] ahf/

d"No -s_
d"No -v_
o; jif{
gff
-gf]S;fg_
/sd -vs_
ut jif{
gff
gf]S;fg
/sd
s}lot
shf{, ;fk6 tyf lan vl/b juL{s/0f / ;f]sf] nflu Joj:yf

#@ cfiff9 @)^* -!^ h'nfO{ @)!!_
!= ;lqmo shf{ ;fk6

!=!
c;n
@= lgl:qmo shf{ ;fk6
?k}ofdf
vl/b tyf l8:sfp06 ul/Psf lan
shf{
ljj/0f
:jb]zL
ljkGg ju{
ljldt
cljldt
cg';"rL $=!#
o; jif{
ljb]zL
ut jif{
cGo
ljb]zL
hDdf
:jb]zL
46,79,39,185
14,62,89,41,867
2,70,05,448
15,12,38,86,500
12,66,97,151
49,091
12,67,46,242
15,25,06,32,742 14,61,74,67,248
46,79,39,185
14,62,89,41,867
2,70,05,448
15,12,38,86,500
12,66,97,151
49,091
12,67,46,242
15,25,06,32,742 14,61,74,67,248
13,76,80,439
13,88,39,694
13,88,39,694
11,89,38,245
11,25,38,152
11,25,38,152
11,25,38,152
10,11,21,892
11,59,255
hDdf
@=! k'g/;+/rgf ul/Psf]
@=@ c;n
1,53,860
97,71,874
99,25,734
99,25,734
21,24,638
@=#
1,36,041
30,57,567
31,93,607
31,93,607
23,44,567
8,69,355
1,23,12,846
1,31,82,201
1,31,82,201
1,33,47,148
46,90,98,440
14,76,66,22,306
2,70,05,448
15,26,27,26,194
12,66,97,151
49,091
12,67,46,242
zf:kb
@=$ v/fa
s_ s'n shf{
15,38,94,72,436 14,73,64,05,493
#= shf{ gf]S;fgL Joj:yf

#=!
c;n
48,65,228
15,17,05,287
2,70,054
15,68,40,570
12,66,972
491
12,67,462
15,81,08,032
14,86,05,077
#=@
k'g/;+/rgf ul/Psf]
1,42,56,060
1,42,56,060
1,42,56,060
1,26,40,236
#=#
sd;n
38,465
24,42,698
24,81,433
24,81,433
5,31,159
#=$ zf:kb
68,020
15,28,783
15,96,804
15,96,804
11,72,283
#=% v/fa
8,69,355
1,23,12,846
1,31,82,201
1,31,82,201
1,33,47,148
v_ s'n Joj:yf
58,41,068
18,22,45,945
2,70,054
18,83,57,068
12,66,972
491
12,67,462
18,96,24,530
17,62,95,905
$=! c;n
48,25,425
14,37,33,602
14,85,59,027
13,021
33,029
46,050
14,86,05,076
13,82,01,652
$=@ k'g/;+/rgf ul/Psf]
12,64,0236
1,26,40,236
1,26,40,236
$=# sd;n
4,791
5,26,368
5,31,159
5,31,160
$=$ zf:kb
11,72,283
11,72,283
11,72,284
12,47,729
$=% v/fa
7,60,634
1,25,86,514
1,33,47,148
1,33,47,148
82,95,333
u_ ut jif{;Ddsf] s'n Joj:yf
55,90,851
17,62,49,855
17,62,49,855
13,021
33,029
46,050
17,62,95,904
14,77,44,714
3_ o; jif{sf] lkmtf{
(2,73,668)
(2,73,668)
(32,538)
(32,538)
(3,06,206)
(2,15,334)
_ o; jif{sf] yk
2,50,218
1,18,60,609
2,70,054
1,23,80,881
12,53,950
12,53,950
1,36,34,832
2,87,66,525
r_ o; jif{sf] yk36
2,50,218
1,15,86,941
40,557
1,21,07,213
12,53,950
(32,538)
12,21,413
1,33,28,626
2,85,51,191
v'b shf{ -sv_
46,32,57,372
14,58,43,76,360
40,740
15,07,43,69,126
12,54,30,179
48,600
12,54,78,779
$= ut jif{;Ddsf] Joj:yf
15,19,98,47,906 14,56,01,09,588
27
;'/If0fsf cfwf/df shf{, ;fk6 / lan vl/b

#@ cfiff9 @)^* -!^ h'nfO{ @)!!_
?k}ofdf
ljj/0f
o; jif{
s_ ;'/lIft
!= rncrn ;DklQsf] ;'/If0fdf
@= :jb]zL a}+s tyf ljQLo ;+:yfsf] hdfgtdf
#= ;/sf/L hdfgtdf
$= cGt/fli6o >]0fLs[t a}+ssf] hdfgtdf
%= lgof{t sfuhftsf] ;'/If0fdf
^= d'2tL /l;bsf] ;'/If0fdf
s_ cfkm\g} a}+ssf] d'2tL /l;bsf] ;'/If0fdf
v_ cGo a}+ssf] d'2tL /l;bsf] ;'/If0fdf
&= ;/sf/L C0fkqsf] ;'/If0fdf
*= sfpG6/ hdfgtdf
(= JolQmut hdfgtdf
!)= cGo ;'/If0fdf
v_ c;'/lIft
hDdf -sv_
!%,#*,($,&@,$#^
!%,)(,^&,%(,#)#
!#,$^,##,$()
!#,!!,*&,@&&
!#,!!,*&,@&&
@@,&@,)!$
@,$^,@),#%@
!%,#*,($,&@,$#^
l:y/ ;DklQ
!= k/ndf]n
s_ ut jif{sf] df}Hbft
v_ o; jif{sf] yk
u_ o; jif{ k'gd"{Nofgk'gn]{vg
3_ o; jif{sf] laqmL
_ o; jif{sf] ckn]vg
kl/jxg
;fwg
$,(*,&#,&@$
&,^),!*,#!@
#,#^,^),)))
-%*,(*,^%%_
d]lzg/L
sfof{no
;fdfg
!$,&#,^$,)%,$(#
!$,!),&%,@@,&%@
!,@),)),)))
!#,$^,##,$()
$^,$#,!),)&#
$^,#),!*,&#(
!@,(!,##$
!,&(,#(,!&*
!$,&#,^$,)%,$(#
?k}ofdf
;DklQ
ejg
ut jif{
cg';"rL $=!$
#@ cfiff9 @)^* -!^ h'nfO{ @)!!_

ljj/0f
cg';"rL $=!# -s_
o; jif{
ut jif{
cGo
!#,%&,$&,^&)
#,!@,%%,*@^
-!@,@^,!&#_
@^,!^,#(,&)^
^,$(,!%,*@^
-&!,@$,*@*_
@!,%$,&),^%)
%,)&,%(,%))
-$%,(),$$%_
s'n k/ndf]n -svu3_
$,(*,&#,&@$ !),#&,&(,^%&
!^,%&,&&,#@#
#!,($,#),&)$
@^,!^,#(,&)%
@= x|f; sL
s_ ut jif{;Ddsf]
v_ o; jif{sf]
u_ x|f; sL k'gd"{Nofgk'gn]{vg
3_ o; jif{sf] ckn]vgldnfg
&$,*%,*(# @,)$,%*,%$*
!@,%%,@^* !,)%,*^,*!*
-@&,%),!^^_
&,%$,)%,()^
@,!*,@@,^$*
-!),%$,&!!_
!),##,%),#$&
#,#^,^$,&#$
-#*,)$,*&&_
&,*(,@$,!&%
@,^&,%&,&&^
-@#,#!,^)%_
@,*@,(%,@))
(,^!,&#,*$#
!#,#@,!),@)$
!),##,%),#$^
$,!!,#@,%^# &,%$,*$,$%&
^,(^,)#,$*)
!*,^@,@),%))
!%,*@,*(,#%(
s'n x|f; sL -svu3_

#= a's Eofn' -WDV*_ -!@_
*&,$!,!^!
$= hUuf
^,%^,@),!*&
^,%^,@),!*&
%= k'hLut lgdf{0f -k'hLs/0f ul/g' kg]{_
^,!(,%*,%)(
@,(^,@),(!*
^= lnhxf]N8 ;DklQ
#,*%,#(,)$&
@,**,!*,^^@
$,!!,#@,%^#
&,%$,*$,$%&
^,(^,)#,$*)
#%,@#,#*,@$#
@*,@#,$(,!@^
hDdf -#$%^_
* Written Down Value
28
u}/ a}+ls ;DklQ
cg';"rL $=!%
#@ cfiff9 @)^* -!^ h'nfO{ @)!!_
C0fL jf kf6L{sf] gfd 7]ufgf

/fds[i0f dfgGw/, x]6f}+8f
hDdf
u}/ a}+ls
s'n u}/ a}+ls
;DklQ
;DklQ /sd
;sf/ u/]sf]
ldlt
25,500
20630127
?k}ofdf
gf]S;fgL Joj:yf
k|ltzt
/sd
100
25,500
o; jif{sf]
v'b u}/ a}ls
;DklQ
25,500
25,500
cGo ;DklQ
cg';"rL $=!^
#@ cfiff9 @)^* -!^ h'nfO{ @)!!_

ljj/0f
?k}ofdf
o; jif{
!= d;nGb df}Hbft
@= nufgLdf c;'n ug{ afsL cfDbfgL
ut jif{
ut jif{
16,98,375
3,16,54,864
8,64,65,026
#= shf{df c;'n ug{ afsL Aofh
4,01,13,632
2,92,51,780
Go'gM Aofh d'NtjL /sd
4,01,13,632
2,92,51,780
$= c;'n ug{ afsL sldzg
%= ;G8L 8]6;{ -cGo cf;fdL_
8,90,99,193
6,44,99,436
70,28,865
69,55,755
*= dfu{:y gub
(= dfu{:y cGo -r]s ;d]t_
!)= ljgf ;"rgf 8f6sf] e'QmfgL
!!= ckn]vg x'g afsL vr{
!@= zfvf lx;fa ldnfg
!#= :yug s/ ;DklQ -Deferred Tax Assets_
25,06,495
1,39,08,239
1,56,78,538
79,74,662
42,72,734
34,31,142
14,16,91,161
17,78,03,625
^= sd{rf/L ;fk6L / k]ZsL

&= clu|d e'QmfgL
!$= cGo
-v_ ckn]vg ug{ afsL ;km\6j]o/ vr{
-u_ P8\efG; 6\ofS;
58,07,358
(net)
-3_ /]ld6]G;\ l/l;ePjn

-_ cGo
hDdf
81,00,881
29
cGo ;DklQ -yk ljj/0f_
cg';"rL $=!^ -s_
#@ cfiff9 @)^* -!^ h'nfO{ @)!!_
?k}ofdf
o; jif{
! jif{ ;Dd ! b]lv # jif{ ;Dd # jif{ eGbf dfly
3,81,17,828
19,95,804
ljj/0f
!= shf{df c;'n ug{ afsL Aofh
ut jif{
hDdf
4,01,13,632
2,92,51,780
@= lagf ;"rgf 8f6sf] e'QmfgL
#= zfvf lx;fa ldnfg
$= Ph]G;L vftf
;Defljt bfloTjx
cg';"rL $=!&
#@ cfiff9 @)^* -!^ h'nfO{ @)!!_

ljj/0f
!= ;+:yfpk/ bfjL k/]sf] t/ ;+:yfn] bfloTj :jLsf/ gu/]sf]
?k}ofdf
o; jif{
ut jif{
81,22,80,238
87,65,58,043
s_ ^ dlxgf eGbf sd cjlwsf]
79,60,82,038
87,65,58,043
v_ ^ dlxgf eGbf a9L cjlwsf]
1,61,98,200
#= k'gM l8:sfp06 ul/Psf lanx
1,70,61,78,756
90,08,10,568
67,27,21,920
46,79,25,106
1,03,34,56,836
43,28,85,462
4,47,000
4,47,000
^= /jf8{ PS:r]~h sG6fS6sf] afsL bfloTjx
18,39,23,760
8,76,69,600
&= sn]S;gdf /x]sf lanx
8,57,12,857
5,96,80,323
*= d~h'/L tyf ;dy{g
31,14,66,383
38,67,79,000
(Irrevocable Loan Commitment)
55,13,41,969
42,94,30,682
!!= cGt/f{li6o >]0fLs[t a}+ssf] sfp06/ Uof/]G6Ldf lbPsf] Uof/]G6L
1,26,97,10,904
26,07,40,619
40,80,000
36,80,000
2,70,45,808
5,47,27,926
4,31,58,244
4,97,98,69,793
3,07,59,99,887
@= k|lttkqx -k"/f /sd_
$= Dofb gfl3 g;s]sf] Uof/]G6La08

s_ la8 a08
v_ k/d]{G; a08
u_ cGo Uof/]G6La08
%= r'Qmf jf e'Qmfg x'g afsL z]o/ nufgL
(= k|Tofe"lt k|ltj4tf
(Acceptance & Endorsement)

(Underwriting Commitment)
!)= ckl/jTo{ shf{ k|ltj4tf

!@= clu|d e'QmfgL Uof/]G6L
(Advance Payment Guarantee)
!#= shf{ k|jfxsf] nflu ljQLo hdfgt

!$= k"hL bfloTj
(Capital Commitments)
!%= cfos/ jfkt ;Defljt bfloTj

!^= cGo
hDdf
30
(Financial Guarantee)
(Contingent Liabilities on Income Tax)
Aofh cfDbfgL
! >fj0f @)^& b]vL #@ cfiff9 @)^* ;Dd -h'nfO{ !&, @)!) b]vL !^ h'nfO{ @)!! ;Dd_
ljj/0f
s_ shf{, ;fk6 / clwljsif{df
!= shf{ tyf ;fk6
@= clwljsif{
v_ nufgLdf
!= g]kfn ;/sf/sf] C0fkq
s_ 6]h/L laN;
v_ ljsf; C0fkq
u_ /fli6o artkq
@= ljb]zL C0fkq
s_
v_
#= g]kfn /fi6 a}+ssf] C0fkq
$= l8a]Gr/ tyf a08
s_ a}+sljQLo ;+:yfx
v_ cGo ;+:yfx
%= cGt/ a}+s nufgL
s_ a}+sljQLo ;+:yfx
v_ cGo ;+:yfx
u_ Ph]G;L df}Hbftdf
!= :jb]zL a}+sljQLo ;+:yfx?
@= ljb]zL a}+sx
3_ dfu tyf cNk ;"rgfdf k|fKt x'g] df}Hbftdf
!= :jb]zL a}+sljQLo ;+:yfx?
@= ljb]zL a}+sx
_ cGodf
!= ;l6{ls]6 c l8kf]lh6
@= cGt/ a}+sljQLo ;+:yf shf{
#= cGo
-s_ FCY Kn];d]G6
-v_ cGo
hDdf
o; jif{
2,05,50,55,678
1,45,20,73,182
60,29,82,496
11,46,03,002
10,38,09,228
10,27,37,978
10,71,250
38,75,000
38,75,000
69,18,774
69,18,774
3,61,62,631
3,60,49,440
1,13,191
2,75,11,480
2,75,11,480
2,23,33,32,791
cg';"rL $=!*
?k}ofdf
ut jif{
1,63,30,76,679
1,10,64,28,614
52,66,48,065
11,07,63,211
6,76,95,704
6,66,21,478
10,74,226
38,75,000
38,75,000
3,91,92,507
3,91,92,507
1,11,34,531
1,08,16,683
3,17,848
3,27,18,119
3,27,18,119
1,78,76,92,540
31
Aofh vr{
ljj/0f
s_ lgIf]k bfloTjdf
!= d'2tL lgIf]k
!=! :jb]zL d'b|f
!=@ ljb]zL d'b|f
@= art lgIf]k
@=! :jb]zL d'b|f
@=@ ljb]zL d'b|f
#= dfu]sf] avt ltg'{kg]{ lgIf]k
#=! :jb]zL d'b|f
#=@ ljb]zL d'b|f
$= ;l6{ls]6 c l8kf]lh6\;
v_ shf{ ;fk6df
!= C0fkq tyf a08
@= g]kfn /fi6 a}+saf6 k|fKt shf{
#= cGt/ a}+sljQLo ;++:yf shf{
$= cGo ;ul7t ;++:yf
%= cGo shf{
u_ cGodf
!=
@=
, hDdf
o; jif{
!,$^,$$,&&,!^)
(),&#,&@,!#)
*&,)@,)@,)@$
#,&!,&),!)^
!*,!^,)),^)@
!&,*!,)&,&#^
#$,(@,*^^
#&,%%,)$,$@*
#&,)#,(^,)!&
%!,)*,$!!
#,(#,&#,*^%
@,(&,%),)))
!@,*@,&^#
*#,$!,!)@
!,%),#*,%!,)@%
s_ lan vl/b tyf l8:sfp06
!= :jb]zL
@= ljb]zL
v_ sldzg
!= k|lttkq
@= hdfgtkq
#= sn]S;g L
$= /]ld6]G; L
%= sf8{
^= z]o/ k|Tofe"ltlgisfzg
&= ;/sf/L sf/f]jf/ jfkt
*= O=k|f= sldzg jfkt
(= af cfDbfgL
u_ cGo
hDdf
32
?k}ofdf
ut jif{
!,)$,%!,(*,!%&
%^,!^,*^,($(
%@,*(,^),^^@
#,@&,@^,@*&
!*,)#,^*,$(*
!&,^@,$!,%##
$!,@^,(^%
#),#!,$@,&!)
@(,*$,*%,@&$
$^,%&,$#^
(,)$,!!,&##
@,(*,#!,%)&
!,($,$#,&)@
$,!!,#^,%@$
!,!#,%^,)(,*()
sldzg tyf l8:sfp06

ljj/0f
cg';"rL $=!(
cg';"rL $=@)
?k}ofdf
o; jif{
ut jif{
@%,#),()%
@%,#),()%
$,&!,@(,$*$
!,!#,(#,*@&
!,(!,%^,((^
!,(*,*$@
!,%#,(#,!^$
(,*^,^%%
!,*!,#%,$(&
^,&&,(%,**^
@*,@(,%&!
@*,@(,%&!
#,&#,&^,&^*
!,@&,&^,)%@
!,!^,^#,@^&
!,(^,*%*
!,!(,((,*(@
&,$),^((
^^,^),%&#
$,^*,^^,(!@
cGo ;~rfng cfDbfgL

ljj/0f
!=
@=
#=
$=
%=
^=
&=
o; jif{
@&,$^,@%)
#,#!,@&%
&),!%,(!^
%&,^!,&%&
$,@(,!$,$%#
!,)&,$%,@@^
^,(%,!$,*&&
;] l8kf]lh6 eN6sf] ef8f

qm]l86 sf8{ lgisfzg tyf gjLs/0f
8]la6 sf8{ lgisfzg tyf gjLs/0f
6]n]S;6L=6L=
;]jf z'Ns
gjLs/0f z'Ns
cGo
hDdf
;6xL 36a9 cfDbfgL-gf]S;fgL_

ljj/0f
o; jif{
s_ ljlgdo b/df ePsf] /saf6

v_ ljb]zL d'b|f sf/f]jf/af6 -af afx]s_
hDdf cfDbfgL-gf]S;fg_
tna
eQf
;~rosf]ifdf of]ubfg
tflnd vr{
kf]zfs
cf}ifwf]krf/
aLdf
pkbfg Joj:yf
cGo
hDdf
cg';"rL $=@@
?k}ofdf
ut jif{
!,#$,*!,&$&
%,^@,^#,)#%
#,$),*!,%^!
^,#!,@&,*&$
$,&%,^#,#)*
!=
@=
#=
$=
%=
^=
&=
*=
(=
k}ofdf
ut jif{
@),@%,&%)
$,##,&*!
#^,^!,&!$
#^,$#,%))
$,)@,^$,@!(
!,)),)@,^^&
^,)),#!,^#!
^*,^$,*#(
sd{rf/L vr{
ljj/0f
cg';"rL $=@!
o; jif{
&,!*,!),)$$
%,*^,&$,^#)
^^,@#,%@^
#^,@),@#&
%^,$@,)!)
!,!#,*@&
#(,#%,#@%
&@,$@,^$(
!%,&^,^@,@$*
cg';"rL $=@#
?k}ofdf
ut jif{
%,$(,^&,$$@
$,$%,@&,#*(
$(,&&,^$%
!(,*),)#!
$%,%&,(!!
(&,*$*
&),$),)@*
$@,%&,##^
!@,@$,)%,^#)
33
sfof{no ;~rfng vr{

ljj/0f
!= 3/ ef8f
@= lah'nL / kfgL
#= dd{t tyf ;Def/
s_ ejg
v_ ;jf/L ;fwg
u_ cGo
$= aLdf
%= kf]i6]h, 6]n]S;, 6]lnf]g, ofS;
^= sfof{no pks/0f tyf lg{r/ ;Def/
&= e|d0f eQf / vr{
*= d;nGb / 5kfO{
(= kqklqsf tyf k':ts
!)= lj1fkg
!!= sfg"gL vr{
!@= rGbf
!#= ;~rfns ;ldlt ;DaGwL vr{
s_ a}7s eQf
v_ cGo vr{
!$= ;fwf/0f ;ef ;DaGwL vr{
!%= n]vfk/LIf0f ;DaGwL
s_ n]vfk/LIf0f z'Ns
v_ cGo vr{
!^= /sd :yfgfGt/0f sldzg
!&= l:y/ ;DklQdf x|f; sL
!*= :yug vr{ ckn]vg
!(= z]o/ lgisfzg vr{
@)= k|fljlwsk]zfut ;]jf z'Ns
@!= dgf]/~hg
@@= ckn]vg vr{
@#= ;'/Iff vr{
@$= shf{ ;'/If0f lk|ldod
@%= sldzg tyf l8:sfp06
@^= cGo
s_ gljs/0f tyf ;b:otf
v_ sDKo"6/ ;\6j]o/ vr{
u_ lnhxf]N8 ;KklQ -ckn]vg_
3_ cGo
hDdf
34
o; jif{
@,*@,)(,%$(
((,^^,*(&
%(,%#,!&&
$!,$#,#!&
$,$$,%)#
!#,^%,#%&
#@,^*,!^(
#(,^#,%!@
!&,$%,*#)
#(,%!,$(&
%*,*@,$$@
@$,())
!,!@,^(,)*!
%,$&,(!^
!),&!,%)*
*,#),)))
@,$!,%)*
#,&$,($%
&,)!,)!^
$,(&,@))
@,)#,*!^
@^,%$,))!
#,#^,^$,&#$
@(,))#
!,)#,^@$
!,$%,*^,!(@
$,!#,@^,#&&
!,#@,^%,*((
%!,@&,^*!
!,)$,!#,)#!
!,@%,!(,&^^
!^,(@,($,#&)
cg';"rL $=@$
?k}ofdf
ut jif{
@,$),)%,*%$
*&,!@,&$#
$&,$#,#)!
#@,%!,$&&
@,(@,#@(
!!,((,$(%
@#,@*,)@&
#*,#@,^&#
!^,$(,!(*
@*,^^,##^
%#,!),^@*
(,&!&
!,@!,&*,**$
#,#@,(^&
!!,$$,$$&
(,&@,)))
!,&@,$$&
%,!^,(%%
^,)%,&#(
$,%@,)))
!,%#,&#(
@*,#%,*%)
@,^&,%&,&&^
##,%!,@((
@,)*,(%&
!,!%,%%,)!^
@,(@,@@,*^%
!,)),@!,#@%
$@,#$,@#)
*^,#),#%%
^#,#^,(%%
!$,@!,^(,@#@
;Defljt gf]S;fgL Joj:yf

ljj/0f
!=
@=
#=
$=
?k}ofdf
o; jif{
ut jif{
!,#^,#$,*#@
!,#^,#$,*#@
@,*&,^^,%@%
@,*&,^^,%@%
shf{ gf]S;fgL Joj:yfdf ePsf] j[l4

nufgL gf]S;fgL Joj:yfdf ePsf] j[l4
u}/ a}+ls ;DklQ gf]S;fgL Joj:yf
cGo ;DklQdf ul/Psf] Joj:yf
hDdf
u}/ ;~rfng cfDbfgL -gf]S;fg_

ljj/0f
cg';"rL $=@%
o; jif{
cg';"rL $=@^
?k}ofdf
ut jif{
!= nufgL laqmLaf6 cfDbfgL-gf]S;fg_

@= ;DklQ laqmLaf6 cfDbfgL-gf]S;fg_
#= nfef+z
$,#@,$!(
!),@(,*)#
@,#!,&((
$= g]kfn /fi6 a}+saf6 k|fKt ;x'lnot

s_ tf]lsPsf] zfvfxsf] gf]S;fg jfkt Ifltk"lt{
v_ Aofh Ifltk"lt{
u_ ;6xL sfp06/
%= cGo
s_ u'8\ljn ckn]vg
v_ cGo u}/ ;~rfng cfDbfgL
v'b u}/ ;~rfng cfDbfgL-gf]S;fg_
$,$!,@^*
$,$!,@^*
*,&#,^*&
^#,**$
^#,**$
!#,@%,$*^
;Defljt gf]S;fgL Joj:yfaf6 lkmtf{

ljj/0f
!=
@=
#=
$=
o; jif{
cg';"rL $=@&
?k}ofdf
ut jif{
shf{ gf]S;fgL Joj:yfaf6 ltf{

u}/ a}+ls ;DklQ gf]S;fgL Joj:yfaf6 ltf{
nufgL Joj:yfaf6 ltf{
cGo ;DklQsf] Joj:yfaf6 ltf{
#,)^,@)^
$,(@,@))
@,!%,##$
#$,@(,@!&
hDdf
&,(*,$)^
#^,$$,%%)
35
c;fdfGo sf/f]jf/af6 ePsf]] cfDbfgL-vr{_

ljj/0f
!=
@=
#=
$=
%
ckn]vg ePsf] shf{sf] c;'nL

:j]lR5s cjsfz vr{
c;'nL x'g g;Sg] shf{sf] ckn]vg -$=@* s_
cGo -vr{_cfDbfgL
u}/ a}+ls ;DklQsf] laqmLaf6 gff
hDdf
cg';"rL $=@*
?k}ofdf
o; jif{
*,)&,)))
#,*#,%$&
!!,%&,*))
ut jif{
#@,%*,^(%
-&^,(&,^)(_
&@,$(*
@#,$*,#$&
-$#,^^,$!^_
ckn]lvt shf{sf] ljj/0f
cg';"rL $=@*-s_
?k}ofdf
qm=;+= shf{ k|sf/
ckn]vg ul/Psf]
/sd
1. rfn' k'hL shf{
2. kl/of]hgf shf{
3. l:y/ k'hL shf{
4. JolQmut shf{
5. cGo shf{
hDdf shf{
lwtf]sf] k|sf/
tyf /sd
shf{ :jLs[t ug]{

clwsf/Ltx
lwtf] d"Nofgsf]
cfwf/
shf{ c;'nLsf] nflu

eP u/]sf k|of;
s}lot
;~rfns, sfo{sf/L k|d'v, ;+:yfks, sd{rf/L tyf Ps k|ltzteGbf a9L z]o/

lng] z]o/xf]N8/xnfO{ uPsf] shf{ ;fk6 ljj/0f
cg';"rL $=@(
#@ cfiff9, @)^* -h'nfO{ !^, @)!!_

ut jif{sf] afsL
;fjf
Aofh
?k}ofdf
o; jif{ c;'nL
;fjf
Aofh
!_ ;~rfns
o; jif{
yk shf{
@_ sfo{sf/L k|d'v
#_ ;+:yfks
$_ sd{rf/L
%_ z]o/wgLx
;+:yfks;~rfnssfo{sf/L k|d'vsf] gfd
hDdf
cfiff9 d;fGt;Dd afsL

;fjf
Aofh
gf]6M sd{rf/L lgodfjnL cGtu{t sd{rf/Lx?nfO{ k|bfg ul/Psf] C0f tyf d'2tL vftf;/sf/L ;'/If0fsf] lwtf]df k|bfg ul/Psf shf{x? dfly ;dfj]z gul/Psf] .
36
k'hLsf]if tflnsf
cg';"rL $=#)-s!_
#@ cfiff9 @)^* ;Dd -!^ h'nfO{ @)!!_

ljj/0f
!=!_ hf]lvd efl/t ;DklQ
s= shf{ hf]lvd
v= ;~rfng hf]lvd
u= ahf/ hf]lvd
Pillar II cGtu{tsf] ;dfof]hg
3= ;'k/Lj]IfsLo k'g/fjnf]sg cGtu{t hf]lvd efl/t ;DklQsf] @ k|ltzt
s'n hf]lvd efl/t ;DklQ -svu_
!=@ k|fylds k'hL -tx !_
s= r'Qmf k'hL
v= ltf{ gx'g] cu|flwsf/ z]o/
u= z]o/ lk|ldod
3= k|:tfljt af]g; z]o/
= ;fwf/0f hu]8f sf]if
r= ;l~rt gff-gf]S;fg_
5= rfn" cf=j=sf] gff-gf]S;fg_
h= k'hL ltf{ hu]8f sf]if
em= k'hL ;dfof]hg sf]if
`= :yug s/ sf]if
6= cGo :jtGq sf]ifx?
36fpg]
s= Voflt -Goodwill_ jfktsf] /sd
v= ckn]vg ug{ afsL vr{
u= Ohfht k|fKt ;+:yfdf ul/Psf] z]o/ nufgL
3= ljQLo :jfy{ /x]sf] sDkgLdf /x]sf] nufgL
= ;LdfeGbf a9L nufgL
r= k|Tofe"lt -Underwriting_ cGtu{t ul/Psf] nufgL
5= kfl/:kl/s qm; xf]lN8
h= cGo
v_ k"/s k'hL -tx @_
s= So'Do'n]l6e / l/l8d]jn lk|/]G; z]o/
v= ;'/If0f g/flvPsf] ;xfos cfjlws C0f
u= xfOla|8 k'hL pks/0fx
3= c;n shf{ gf]S;fgL Joj:yf
= nufgL ;dfof]hg sf]if
r= ;DklQ k'gd"{Nofg sf]if
5= ;6xL ;dLs/0f sf]if
h= cGo sf]if
s'n k'hLsf]if -sv_
!=#_ k'hLsf]if cg'kft
k|fylds k'hLs'n hf]lvd efl/t ;DklQ -Tier I)
k'hLsf]ifs'n hf]lvd efl/t ;DklQ -Tier I tyf Tier II)
o; jif{
?k}ofdf
ut jif{
!*,&$,&$,$$,**%
*^,*$,^@,(&!
@,^!,)!,^(%
!%,&&,$(,)^,^($
%*,*),*^,@#)
^,(#,#),%(@
#(,@*,$),!(!
@),)#,$*,$(,&$@
!,(^,@@,(*,!%&
!,^!,#%,@),%))
!,#),&!,%*!
*,)^,&^,)@%
@#,)),@%,))#
!,!@,&$,)&*
!%,)),)),)))
!^,$#,@#,@#,%!^
!,*#,$*,^&,^^#
!,^!,#%,@),%))
!,#),&!,%*!
!%,$(,(%,(*$
!,&),$@,!##
!),)),)),)))
@%,)^,$(%
-(&,$),)#!_
-!@,^),*@,)))_
-$,$&,)))_
#^,&&,$&,@($
@),)),)),)))
!%,@(,#&,&%*
#$,$),!(&
!,!#,^(,##(
@,##,)),$%,$%!
-(&,$),)#!_
-%,^),*@,)))_
-$,$&,)))_
$),*),)&,%*^
@%,)),)),)))
!$,^*,!#,&()
!%,$),^^&
(^,%#,!#)
@,@$,@*,&%,@$(
(=&(
!!=^#
!!=!&
!#=^%
37
38
Other Loan & advances
cGo ;DklQ
hDdf
s_ jf;nft adf]lhdsf ;DklQ

gub df}Hbft
g]kfn ;/sf/sf] C0fkqdf ul/Psf] nufgL
g]kfn ;/sf/ pk/sf] ;Dk"0f{ bfjL
g]kfn /fi6 a}+ssf] C0fkqdf ul/Psf] nufgL
g]kfn /fi6 a}+s pk/sf] ;Dk"0f{ bfaL
ljb]zL ;/sf/ tyf s]lGb|o a}+s pk/sf] bfaL -ECA ra ng 0-1_
ljb]zL ;/sf/ tyf s]lGb|o a}+s pk/sf] bfaL -ECA ra ng -2_
ljb]zL ;/sf/ tyf s]lGb|o a}+s pk/sf] bfaL -ECA ra ng 4-6_
BIS, IMF, ECB, EC / ax'kIfLo ljsf; a}+sx? pk/sf] bfjL
cGo ax'kIfLo ljsf; a}+sx? pk/sf] bfjL
;fj{hlgs ;+:yf pk/sf] bfjL -ECA ra ng 0-1_
;fj{hlgs ;+:yf pk/sf] bfjL -ECA ra ng -2_
;fj{hlgs ;+:yf pk/sf] bfjL -ECA ra ng 3-6_
;fj{hlgs ;+:yf pk/sf] bfjL -ECA ra ng -7_
tf]lsPsf] k"hLsf]if sfod ug]{ :jb]zL a}+s pk/sf] bfjL
tf]lsPsf] k"hLsf]if sfod gug]{ :jb]zL a}+s pk/sf] bfjL
tf]lsPsf] k"hLsf]ifdf ! k|ltzt eGbf a9Ln] k"hLsf]if sfod ug]{ SAARC If]qleq
:yfkgf ePsf ljb]zL a}+s pk/sf] bfjL
ljb]zL a}+s pk/sf] bfjL -ECA ra ng 0-1_
ljb]zL a}+s pk/sf] bfjL -ECA ra ng -2_
ljb]zL a}+s pk/sf] bfjL -ECA ra ng 3-6_
ljb]zL a}+s pk/sf] bfjL -ECA ra ng -7_
:jb]zL ;+3 ;+:yfx? pk/sf] bfjL
ljb]zL ;+3 ;+:yfx? pk/sf] bfjL -ECA ra ng 0-1_
ljb]zL ;+3 ;+:yfx? pk/sf] bfjL -ECA ra ng -2_
ljb]zL ;+3 ;+:yfx? pk/sf] bfjL -ECA ra ng 3-6_
ljb]zL ;+3 ;+:yfx? pk/sf] bfjL -ECA ra ng -7_
pkef]Uo tyf ;fgf shf{ -Regulatory Retail Por olio_ -efvf ggf3]sf]_
u|fg'nfl/6L ;Ldf afx]s cGo zt{ kfngf u/]sf] pkef]Uo tyf ;fgf shf{
cfjfl;o 3/hUufaf6 ;'/lIft bfjL
cfjfl;o 3/hUufaf6 ;'/lIFt bfjL -efvf gf3]sf]_
Jofkfl/s 3/hUufaf6 ;'/lIft bfjL
e'QmfgL cjlw ;dfKt eO{;s]sf] bfjL -cfjfl;o 3/hUuf ;'/lIft afx]s_
pRr hf]lvdo'Qm bfjL
:6s PS;r]Ghdf ;"rLs[t sDkgLsf] z]o/ / cGo k"hLut pks/0fdf ePsf] nufgL
:6s PS;r]Ghdf ;"rLs[t gePsf] sDkgLsf] z]o/ / cGo k"hLut pks/0fdf ePsf]
nufgL
ljj/0f
-v_
-s_
1,80,79,952
28,19,45,172
23,65,26,585
1,92,35,16,986
1,16,70,56,582
223,2,59,27,697
69,95,15,355
73,50,64,637
8,89,01,18,042
39,59,500
8,89,40,77,542
30,81,32,432
2,82,53,27,020
26,38,31,482
52,14,81,727
4,05,23,500
7,40,809
71,15,29,884
71,15,29,884
13,26,23,391
10,97,25,941
2,98,999
5,59,000
31,52,57,648
31,52,57,648
47,22,19,301
21,46,29,17,744
30,81,32,432
2,82,50,28,021
22,82,82,200
41,17,55,787
4,05,23,500
7,40,809
26,38,65,220
23,65,26,585
1,92,29,57,986
5,00,00,000
42,71,18,576
7,41,212
93,01,215
5,00,00,000
42,71,18,576
7,41,212
93,01,215
-3svu_
35,67,35,989
1,86,64,90,707
1,96,96,65,489
15,59,27,141
-u_
CRM
o; jif{
u0fgf ug{ ;lsg]
v'b /sd
35,67,35,989
1,86,64,90,707
1,96,96,65,489
15,59,27,141
3,55,49,282
ljz]if Joj:yf
lstfaL d'No
#@ cfiff9, @)^* -h'nfO{ !^, @)!!_
shf{ hf]lvd
150
100
20
50
100
150
100
20
50
100
150
75
100
60
150
100
100
150
150
150
100
0
0
0
0
0
0
0
20
50
100
150
0
100
20
50
100
150
20
100
20
hf]lvd efl/t
k|ltzt
-_
47,22,19,301
16,04,28,87,711
30,81,32,432
2,82,50,28,021
34,24,23,300
61,76,33,680
6,07,85,250
7,40,809
19,78,98,915
23,65,26,585
1,15,37,74,792
8,89,01,18,042
71,15,29,884
6,30,51,530
7,50,00,000
8,54,23,715
7,41,212
18,60,243
hf]lvd efl/t
/sd
-r3x_
4,303,59,716
20,55,25,31,385
33,42,42,259
90,23,500
7,40,809
1,87,383
3,16,33,80,775
4,05,29,333
18,33,41,564
2,30,26,18,891
8,05,58,55,302
1,23,05,202
1,47,68,74,319
5,00,00,000
87,12,85,463
1,07,01,255
50,95,96,931
10,00,000
50,13,63,388
1,35,35,250
7,40,809
1,87,383
3,16,33,80,775
3,03,96,999
18,33,41,564
1,38,15,71,334
8,05,58,55,302
1,23,05,202
29,53,74,864
7,50,00,000
17,42,57,093
1,07,01,255
10,19,19,386
hf]lvd efl/t
/sd
-r3x_
4,30,35,9716
14,43,02,90,321
ut jif{
24,42,71,844
1,21,97,16,716
1,47,03,54,585
16,61,45,539
-3svu_
v'b /sd
?k}ofdf
cg';"rL $=#)-v_
39
v_ af;nft aflx/sf sf/f]af/

h'g;'s} a]nf ltf{ lng ;lsg] /sd
ljn sn]S;g
clu|d ljlgdo ;Demf}tf
^ dlxgf eGbf sd cjlwsf] k|lttkq :jb]zL sf/f]af/ kIf
ljb]zL sf/f]af/ kIf -Counter Party_ -ECA ra ng 0-1_
ljb]zL sf/f]af/ kIf -Counter Party_ -ECA ra ng -2_
^ dlxgf eGbf a9L cjlwsf] k|lttkq :jb]zL sf/f]af/ kIf
la8 j08, k//d]G; j08, sfp06/ Uof/]06L :jb]zL sf/f]af/ kIf
k|Toe'lt -Underwriting) ;DalGwt k|lta4tf
a}+saf6 ;'/If0fsf] ?kdf k|bfg ul/Psf hdfgtx? (Lending of Bank's Securi es of
Pos ng of Securi es as collateral_
k'g v/Lb ;Demf}+tf cGtu{tsf] shf{
clu|d e'QmfgL hdfgt
ljQLo hdfgt
:jLsf/ tyf b/lk7 Acceptance and Endorsement
e'QmfgL gul/Psf] efu tyf cf+lzs e'QmfgL ul/Psf] z]o/ tyf ;'/If0f -Unpadid
por on of Party paid shares and Securi es_
ck/jTo{ shf{ k|lta4tf
cGo ;Defljt bfloTjx?
hDdf
s'n shf{ hf]lvd -sv_
ljj/0f
-v_
-s_
6,75,52,012
1,61,98,200
6,78,49,978
1,43,70,932
4,08,000
1,45,28,874
18,09,07,995
31,35,31,386
1,61,98,200
1,70,61,78,756
1,26,97,10,904
40,80,000
31,14,66,383
55,13,41,969
5,47,27,926
4,98,29,08,825
27,30,88,36,522
-u_
CRM
8,57,12,856
18,74,09,793
79,60,82,039
73,50,64,637
ljz]if Joj:yf
lstfaL d'No
55,13,41,969
5,47,27,926
4,80,20,00,830
26,26,49,18,574
1,25,53,39,972
36,72,000
29,69,37,509
1,63,83,28,778
8,57,12,856
18,74,09,793
72,85,30,027
-3svu_
o; jif{
u0fgf ug{ ;lsg]
v'b /sd
#@ cfiff9, @)^* -h'nfO{ !^, @)!!_
shf{ hf]lvd qmdzM
20
100
100
100
100
100
100
0
0
10
20
20
50
100
150
50
20
50
100
150
50
20
50
100
150
50
100
hf]lvd efl/t
k|ltzt
-_
11,02,68,394
5,47,27,926
2,70,45,57,174
18,74,74,44,885
1,25,53,39,972
36,72,000
29,69,37,509
81,91,64,389
1,87,40,979
14,57,06,005
hf]lvd efl/t
/sd
-r3x_
42,94,30,682
3,09,88,432
2,91,02,77,817
23,46,28,09,201
25,30,27,481
33,12,000
36,97,41,516
85,86,83,602
5,96,80,323
8,76,37,493
81,77,76,287
-3svu_
v'b /sd
25,30,27,481
33,12,000
36,97,41,516
42,93,41,801
87,63,749
16,35,55,257
hf]lvd efl/t
/sd
-r3x_
8,58,86,136
3,09,88,432
1,34,46,16,373
15,77,49,06,694
ut jif{
?k}ofdf
40
ljb]zL ;/sf/ tyf s]Gb|Lo a}+s pk/sf] bfjL -ECA rating -2_
ljb]zL ;/sf/ tyf s]Gb|Lo a}+s pk/sf] bfjL -ECA rating 4-6_
BIS, IMF, ECB, EC / ax'kIfLo ljsf; a}+sx? pk/sf] bfjL
cGo ax'kIFLo ljsf; a}+sx? pk/sf] bfjL
;fj{hlgs ;+:yf pk/sf] bfjL -ECA rating 0-1_
;fj{hlgs ;+:yf pk/sf] bfjL -ECA rating -2_
;fj{hlgs ;+:yf pk/sf] bfjL -ECA rating 3-6_
;fj{hlgs ;+:yf pk/sf] bfjL -ECA rating -7_
tf]lsPsf] k'hLsf]if sfod ug]{ :jb]zL a}+s pk/sf] bfjL
tf]lsPsf] k'hLsf]if sfod gug]{ :jb]zL a}+s pk/sf] bfjL
ljb]zL a}+s pk/sf] bfjL -ECA rating 0-1_
ljb]zL a}+s pk/sf] bfjL -ECA rating -2_
ljb]zL a}+s pk/sf] bfjL -ECA rating 3-6_
ljb]zL a}+s pk/sf] bfjL -ECA rating -7_
tf]lsPsf] k'hLsf]ifdf ! k|ltzt eGbf a9Ln] k'hLsf]if sfod ug]{ SAARC If]qleq
:yfkgf ePsf ljb]zL a}+s pk/sf] bfjL
:jb]zL ;+3 ;+:yfx? pk/sf] bfjL
ljb]zL ;+3 ;+:yfx? pk/sf] bfjL -ECA rating 0-1_
ljb]zL ;+3 ;+:yfx? pk/sf] bfjL -ECA rating -2_
ljb]zL ;+3 ;+:yfx? pk/sf] bfjL -ECA rating 3-6_
ljb]zL ;+3 ;+:yfx? pk/sf] bfjL -ECA rating -7_
pkef]Uo tyf ;fgf shf{ -Regulatory Retail Portfolio_ -efvf ggf3]sf]_
pkef]Uo tyf ;fgf shf{ -Regulatory Retail Portfolio_ -efvf gf3]sf]_
u|fg'nfl/6L ;Ldf afx]s cGo zt{ kfngf u/]sf] pkef]Uo tyf ;fgf shf{
cfjfl;o 3/hUufaf6 k"0f{ ;'/lIft gePsf] bfjL
cfjfl;o 3/hUufaf6 ;'/lIft bfjL -efvf gf3]sf]_
Jofkfl/s 3/hUufaf6 ;'/lIft bfjL
e'QmfgL cjlw ;dfKt eO{;s]sf] bfjL -cfjf;Lo 3/hUuf ;'/lIft afx]s_
pRr hf]lvdo'Qm bfjL
:6s PS;r]Ghdf ;"rLs[t sDkgLsf] z]o/ / cGo k'hLut pks/0fdf ePsf] nufgL
:6s PS;r]Ghdf ;"rLs[t gePsf] sDkgLsf] z]o/ / cGo k'hLut pks/0fdf
ePsf] nufgL
cGo ;DklQ
jf;nft leqsf sf/f]jf/
sf] nflu of]Uo /sd
39,59,500
1,80,79,952
5,59,000
2,98,999
10,74,53,927
cGo a}+sdf
/x]sf] lgIf]k
cfkm\gf] a}+sdf
/x]sf] lgIf]k
;'g
22,72,014
;/sf/ tyf g]kfn ;/sf/sf]

g]kfn /fi6
hdfgt
a}+ssf] ;'/IF0f
#@ cfiff9, @)^* -h'nfO{ !^, @)!!_
(CRM)
cGo b]zsf]
;/sf/sf]
hdfgt
:jb]zL ljb]zL ax'kIFLo

a}+ssf] ljsf; a}+sxsf]
hdfgt
hdfgt
hDdf
?k}ofdf
39,59,500
1,80,79,952
5,59,000
2,98,999
10,97,25,941
ljb]zL a}+ssf]
hdfgt tyf
;'/If0f
cg';"rL $=#)-u_
41
h'g;'s} a]nf ltf{ lng ;lsg] k|lta4tf

lan sn]S;g
clu|d ljlgdo ;Demf}tf
^ dlxgf eGbf sd cjlwsf] k|lttkq :jb]zL sf/f]jf/ kIf
ljb]zL sf/f]jf/ kIf -Counter party) (ECA 0-1_
ljb]zL sf/f]jf/ kIf -Counter party) (ECA -2_
^ dlxgf eGbf a9L cjlwsf] k|lttkq :jb]zL sf/f]jf/ kIf
la8 j08, k//d]G; j08, sfp06/ Uof/]06L :jb]zL sf/f]jf/ kIf
bfjL k/]sf] tyf e'QmfgL gul/Psf hdfgt
k|Tofe"lt -Underwriting_ ;DalGwt k|lta4tf
a}+saf6 ;'/If0fsf] kdf k|bfg ul/Psf hdfgtx?
k'g v/Lb ;Demf}tf cGtu{tsf] shf{
clu|d e'QmfgL hdfgt
ljQLo hdfgt
:jLsf/ tyf b/lk7 Acceptance and Endorsements
e'QmfgL gul/Psf] efu tyf cf+lzs e'QmfgL ul/Psf] z]o/ tyf ;'/If0f
(Unpaid portion of Party paid shares and Securities)
ckl/jTo{ shf{ k|ltj4tf 5f]6f] cjlw
ckl/jTo{ shf{ k|ltj4tf nfdf] cjlw
cGo ;Defljt bfloTjx
jf;nft aflx/sf sf/f]jf/
6,75,52,012
1,61,98,200
6,78,49,978
1,43,70,932
4,08,000
1,45,28,874
cGo a}+sdf
/x]sf] lgIf]k
;'g
;/sf/ tyf g]kfn ;/sf/sf]

g]kfn /fi6
hdfgt
a}+ssf] ;'/If0f
#@ cfiff9, @)^* -h'nfO{ !^, @)!!_
sf] nflu of]Uo /sd qmdz
ckm\gf] a}+sdf
/x]sf] lgIf]k
(CRM)
cGo b]zsf]
;/sf/sf]
hdfgt
:jb]zL ljb]zL ax'kIFLo ljb]zL a}+ssf]

a}+ssf] ljsf; a}+sxsf] hdfgt tyf
hdfgt
;'/If0f
hdfgt
6,75,52,012
1,61,98,200
6,78,49,978
1,43,70,932
4,08,000
1,45,28,874
hDdf
?kf}ofdf
;~rfng hf]lvd
cg';"rL $=#)-3_
#@ cfiff9, @)^* -h'nfO{ !^, @)!!_

ljj/0f
@)^^^&
v'b Aofh cfDbfgL

sldzg tyf l8:sfp06
cGo ;~rfng cfDbfgL
;6xL 36a9 cfDbfgL
yk Aofh d'NtaL lx;fa
s'n cfDbfgL -s_
tf]lsPsf] k|ltzt -Alfa_ -v_
s'n cfDbfgLsf] tf]lsPsf] k|ltztn] x'g] /sd -u_sxv
;~rfng hf]lvdsf] nflu cfjZos k'hL -3_u sf] cf};t
hf]lvd ef/ u'0ff -Reciprocal of Capital Requirement_ -_
;~rfng hf]lvdsf] nflu hf]lvd efl/t /sd -r_3x
@)^%^^
@)^$^%
65,20,82,650 38,66,37,141 28,91,34,528

4,68,66,912 2,96,34,632 2,09,43,463
6,00,31,631 7,09,17,293 2,54,82,082
4,75,63,308 5,10,04,554 4,66,37,081
73,33,071
26,57,596
81,38,77,572 54,08,51,215 38,21,97,154

15
15
15
12,20,81,636 8,11,27,682 5,73,29,573
8,68,46,297
10
86,84,62,971
ahf/ hf]lvd
ljb]zL d'b|fsf]
v'b cj:yf
-lj=d"_
-1,800_
-640_
-2,43,128_
-19,941_
23,937
-1,000_
-1,89,18,435_
-2,54,434_
AED
AUD
CAD
CHF
CNY
DKK
EUR
GBP
HKD
INR
JPY
KRW
MYR
-600_
NLG
NPR
QAR
-150_
SAR
-4,000_
SEK
SGD
THB
USD
-1,89,133_
v'b cj:yf -s
tf]lsPsf] k|ltzt -v_
ahf/ hf]lvdsf nflu cfjZos k'hL -u_ -sxv_
hf]lvd ef/ u'0ff -Reciprocal of Capital Requirement of 10%_ -3_
-!))!)_
ahf/ hf]lvdsf nflu hf]lvd efl/t /sd -_ -ux3_
42
5,88,08,623
10
58,80,86,230
cg';"rL $=#)-_
#@ cfiff9, @)^* -h'nfO{ !^, @)!!_

d'b|f
k}ofdf
ut jif{
k}ofdf
o; jif{
ljb]zL d'b|fsf]
v'b cj:yf
-lj=d"_
-34,011_
-48,435_
-32,83,444_
-20,12,154_
27,48,325
-9,085_
-3,02,83,684_
-2,29,372_
ljb]zL d'b|fsf]
v'b
cj:yf -g]=?=_
34,011
48,435
32,83,444
20,12,154
27,48,325
9,085
3,02,83,684
2,29,372
ut jif{
ljb]zL d'b|fsf]
;fGble{s v'b
cj:yf -g]=?=_
12,691
66,683
5,77,215
4,60,177
12,19,77,540
3,60,216
-14,112_
14,112
17,467
-2,915_
-75,520_
-1,34,62,332_
2,915
75,520
1,34,62,332
5,22,03,389
5
26,10,169
10
1,04,050
46,370
1,50,38,775
1,38,61,184
5
69,33,059
10
2,61,01,695
6,93,30,592
k|d'v ;"rsfx
cg';"rL $=#!
!=
@=
#=
$=
%=
^=
&=
*=
(=
!)=
!!=
!@=
!#=
!$=
!%=
!^=
!&=
!*=
!(=
@)=
@!=
@@=
ljj/0f
;"rsf
v'b gffs'n cfDbfgL

k|lt z]o/ cfDbfgL
k|lt z]o/ ahf/ d"No
d"No cfDbfgL cg'kft (PE Ratio)
z]o/ k'hLdf nfef+z -af]g; ;lxt_
z]o/ k'hLdf gub nfef+z e'QmfgL
Aofh cfDbfgLshf{ tyf ;fk6
sd{rf/L vr{s'n ;~rfng vr{
Aofh vr{s'n lgIf]k tyf ;fk6L
;6xL 36a9 cfDbfgLs'n cfDbfgL
sd{rf/L af]g;s'n sd{rf/L vr{
v'b gffshf{ tyf ;fk6
v'b gffs'n ;DklQ
s'n shf{lgIf]k
s'n ;~rfng vr{s'n ;DklQ
hf]lvd efl/t ;DklQdf k'hLsf]ifsf] kof{Kttf
s_ k|fylds k'hL
v_ k"/s k'hL
u_ s'n k'hLsf]if
t/ntf
lgliqmoshf{s'n shf{
Aofh b/ cGt/
a's g]6jy{ k|ltz]o/
s'n z]o/
s'n sd{rf/L
k|ltzt
?=
?=
cg'kft
k|ltzt
k|ltzt
k|ltzt
k|ltzt
k|ltzt
k|ltzt
k|ltzt
k|ltzt
k|ltzt
k|ltzt
k|ltzt
k|ltzt
k|ltzt
k|ltzt
k|ltzt
k|ltzt
k|ltzt
?=
;+Vof
;+Vof
cfly{s jif{
@)^@^#
@!=&@
%=*)
#^*
^#=$$
*=#)
$@=*(
%=)%
%=&(
!!=*^
!=)!
)=&(
(^=#)
!=($
@)^#^$
@&=!)
!)=&%
^()
^$=!*
&=*$
$#=$#
$=^$
*=^$
!^=#(
!=@!
)=(%
*%=&*
!=^#
!#=&!
!!=##
!=@%
!=!)
!$=(^
!@=$#
%=^&
%=^%
)=&*
)=#%
#=@$
#=@)
^$,(),$*,^@! *$,#(,$^,(#(
^!,)),)))
&@,(^,(&)
!$%
!*^
@)^$^%
#!=$!
!^=$%
!,!!#
^&=^^
@!=)%
!=)%
&=*%
$^=@&
$=$%
!@=@)
@!=^@
!=$&
!=!#
*(=&@
!=&(
@)^%^^
#%=!@
@)=&)
!,)^@
%!=#!
%=@^
)=@^
*=&^
$#=#$
%=)%
(=$*
@#=%$
!=^#
!=@@
*#=**
!=@*
@)^^^&
@)^&^*
$)=%%
@$=!@
%&)
@#=^#
!#
!#
(=(&
$^=@&
^=$@
%=()
@&=^@
@=#@
!=^^
*!=$(
!=#%
$)=#$
@#=@%
#$)
!$=^@
!%=&(
!)=&(
!@=!!
$*=@@
*=)(
^=&(
@%=$(
@=$(
!=&^
*$=!)
!=%$
!)=!)
*=$&
!!=!&
!=)&
#=)!
@=%$
!!=!&
!!=$*
!#=&!
%=^%
*=^!
&=@$
)=!#
)=)*
)=!@
#=$)
#=&!
#=%%
!,!$,%%,##,@@% !,#$,@@,(%,#@% !,(!,@#,#),$()
(!,#!,(^#
!)(,*),*^!
!,^!,#%,@)%
@%@
@((
#$&
(=&(
!=*$
!!=^#
(=@@
)=()
$=)@
@,!!,##,&^,&@#
!,^!,#%,@)%
#(#
43
n]vf ;DjGwL dxTjk"0f{ gLltx?M
cg';"rL $=#@
!= ;fdfGo hfgsf/LM
nIdL a}+s lnld6]8 g]kfnsf] Ps l;ldt bfloTj ePsf] sDkgL xf] . o;sf] /lhi68{ sfof{nosf] 7]ufgf xflQ;f/, sf7df08f}, g]kfn
/x]sf] 5 . o; a}+ssf] z]o/x? g]kfn :6s PS;r]~h lnld6]8df ;"lrs[t ul/Psf] 5 .
nIdL a}+sn] g]kfndf jfl0fHo a}+ls Joj;fo ;~rfng ul//x]sf] 5 . a}+ssf] ;+nUg ljQLo ljj/0fx? k|sfzghf/L ug{sf nflu
;~rfns ;ldlt4f/f kfl/t ul/Psf] xf] .
@= k|d'v n]vf lgltx?sf] ;f/f+zM
a}+ssf] ljQLo ljj/0fx? tof/ ug{ k|o'Qm n]vf gLltx? tn pNn]v ul/Psf] 5 . cGoyf Joj:yf ul/Psf]df afx]s oL gLltx? x/]s
jif{{sf] n]vf ljj/0f k|:t't ubf{ lgoldt ?kdf k|of]u ul/Psf] 5 .
#= cg'kfng ljj/0fM
cGoyf pNn]v ul/Psf]df jfx]s oL ljQLo ljj/0fx? g]kfn n]vfdfg jf]8{jf6 hf/L ul/Psf] g]kfn n]vfdfg -Nepal Accoun ng
Standard_, n]vfsf ;j{dfGo l;4fGtx? -Generally Accepted Accoun ng Principles_, a}+s tyf ljQLo ;+:yf ;DaGwL P]g,
g]kfn /fi6 a}+saf6 hf/L ul/Psf] lgb]{zg Pj+ sDkgL P]gn] lglb{i6 u/]sf] dfkb08sf] cwLgdf /xL tof/ ul/Psf] 5 .
$= tof/Lsf cfwf/M
ljQLo ljj/0fx? lgs6td\ ?k}ofdf kl/0ft ul/Psf] g]kfnL ?k}ofdf k|:t't ul/Psf] 5 . oL ljQLo ljj/0fx? P]ltxfl;s nfut
k4ltsf] cfwf/df tof/ ul/Psf] 5 . g]kfn n]vfdfg / n]vfsf ;j{dfGo l;4fGtx?;u d]n vfg] ljQLo ljj/0f tof/ ug{ s]xL
vf; n]vf cg'dfgx? ug{ / a}+ssf] n]vf gLltx? nfu' ug]{ k|s[ofdf Joj:yfkgf/f ljj]ssf] ;d]t k|of]u ug'{ h?/L x'G5 .
%= Jofh cfDbfgLM
cfonfO{ kfs]sf] cfwf/df cfDbfgL hgfpg kfpg] g]kfn n]vf dfgsf] l;4fGt -NAS 7 Revenue Accoun ng_ ljkl/t shf{ tyf
;fk6Laf6 k|fKt x'g] Jofh cfDbfgL g]kfn /fi6 a}+ssf] lgb]{zg adf]lhd gub k|fKtLsf] cfwf/df n]vfg ul/Psf] 5 . a}+sn] g]kfn
/fi6 a}+ssf] lgb]{lzsf adf]lhd cfTd;ft u/]sf] of] cEof; cem a9L k/Dk/fjfbL /x]sf] 5 .
nufgLaf6 cflh{t Jofh cfDbfgLnfO{ kfs]sf] cfwf/df n]vfg ul/Psf] 5 .
^= sldzg cfDbfgLM
;a} k|sf/sf sldzg cfox? kfs]sf] cfwf/df n]vfg ul/Psf] 5 . tyflk s'g} sldzg cfo !@ dlxgf eGbf sd cjlwsf]
sf/f]jf/af6 ePsf] /x]5 / sldzg cfo ?= ! nfv eGbf sd /x]5 eg] To:tf] cfDbfgLnfO{ ;DjGwLt cfly{s jif{df g} n]vfg
ug]{ a}+ssf] gLlt /x]sf] 5 .
&= nfef+z cfDbfgLM
z]o/ nufgLsf] nfef+znfO{ nfef+z k|fKt x'g] clwsf/ :yflkt eP kl5 cfDbfgLdf ;dfj]z ul/Psf] 5 . jf]gz z]o/ k|fKt x'bf
nfut d"No kl/jt{g gu/L z]o/ ;+Vof dfq a[l4 ul/Psf] 5 .
*= ljb]zL ljlgdo sf/f]jf/x?M
ljb]zL d'b|fdf /x]sf] ;DklQ tyf bfloTjnfO{ jf;nftsf] ldltdf ljBdfg vl/b tyf laqmLsf] dWo b/n] lx;fj u/L g]kfnL ?k}+ofdf
?kfGt/0f ul/Psf] 5 .
ljb]zL ljlgdosf] vl/b tyf ljqmLaf6 ePsf] cfDbfgLnfO{ b}lgs ?kdf u0fgf u/L ;6xL 36j9 cfDbfgL cGt{ut cg';'rL $=@@
df b]vfOPsf] 5 .
ljleGg ljb]zL ljlgdosf] vl/b / laqmL b/df ePsf] 36j9sf] sf/0fn] k|fKt ePsf] nfegf]S;fgLnfO{ b}lgs ?kdf u0fgf u/L
ljb]zL d'b|fsf] k'g{d"Nof+sgaf6 x'g] gfkmfdf b]vfOPsf] 5 . To:tf] k'g{d"Nof+sgaf6 ePsf] gfkmfsf] @% k|ltzt /sd g]kfn /fi6
a}+ssf] lgb]{lzsf d'tfljs gfkmf gf]S;fg af8f8 lx;fj dfkm{t ;6xL 36a9 sf]ifdf ljlgof]lht ul/Psf] 5 .
(= Jofh vr{M
lgIf]k bfloTj Pj+ a}+sn] lnPsf] ;fk6Ldf ltg'{kg]{ Jofh kfs]sf] cfwf/ -Accrual Basis_ df u0fgf ul/Psf] 5 .
!)= shf{ ;fk6 tyf ljn vl/b
shf{ ;fk6L, clwljsif{ / lan vl/bdf u|fxsx?nfO{ k|bfg ul/Psf k|ToIf shf{x? kb{5g\ . o; leq rfn'k"hL shf{, clwljsif{,
cfjlws shf{, pkef]Qmf shf{, ;KnfO{ kmfOgfG; tyf ljkGg ju{df k|jflxt shf{x? kb{5g\ . ;Dk"0f{ shf{nfO{ g]kfn /fi6 a}+ssf]
lgb]{lzsf cg'?k juL{s[t ul/Psf] 5 . shf{ ;fk6, clwljsif{ tyf lan vl/bdf shf{ gf]S;fgL Joj:yf afktsf] /sd 36fO{ v'b
afsL /sd jf;nftdf b]vfOPsf] 5 .
u|fxsx?n] e'QmfgL u/]sf] /sd klxn] Jofh c;'nLdf / afsL /x]df ;f+jf c;'nLdf k|of]u ul/g] 5 .
44
!!= sd{rf/L shf{M

sd{rf/Lx?nfO{ a}+ssf] lgodfg';f/ shf{ pknJw u/fO{Psf] / g]kfn /fi6 a}+ssf] lgb]{lzsf d'tfljs pQm shf{nfO{ cGo ;DklQ
cGtu{t b]vfOPsf] 5 .
!@= shf{ gf]S;fgL Joj:yfM
shf{ ;fk6 tyf lan vl/bdf g]kfn /fi6 a}+ssf] lgb]{lzsf d'tfljs hf]lvd ;DklQsf] jlu{s/0fsf] cfwf/df ! k|ltzt b]lv !))
k|ltzt ;Dd ;Defljt shf{ gf]S;fgL Joj:yf sfod ul/Psf] 5 .
!#= ckn]vg -Write Off_M
g]kfn /fi6 a}+ssf] lgb]{lzsf cg'?k v/fj ju{df jlu{s[t c;'n x'g g;s]sf shf{x? a}+ssf] gLlt adf]lhd shf{ ;ldlt;~rfns
;ldltsf] :jLs[ltdf c;'nL ug]{ a}+ssf] clwsf/df s'g} km/s gkg]{ u/L ckn]vg ul/Psf] 5 .
cl3Nnf] jif{{x?df ckn]lvt o; jif{{ c;'n ePsf shf{x? o; jif{{sf] gfkmf cGt{ut n]vfg ul/Psf] 5 .
!$= nufgLM
nufgLx? Jofkfl/s nufgL -Held for Trade_, e'QmfgL ldlt;Dd wf/0f ug]{ nufgL -Held to Maturity_ tyf laqmLsf] nflu
pknJw nufgL -Available for Sale_ egL jlu{s/0f ul/Psf] 5,
s_ Jofkfl/s nufgL -Held for Trading_M
Jofkfl/s nufgL cNksfndf d"Nodf x'g] kl/jt{gaf6 gfkmf cfh{g ug]{ p2]Zon] ul/Psf] nufgL . o:tf nufgLnfO{ ahf/b/
cg'?k d"Nofg ug]{ -Marked to Market_ / d"Nodf x'g] leGgtfnfO{ gfkmfgf]S;fg lx;fj vftfdf b]vfOG5 .
v_ e'QmfgL ldlt;Dd wf/0f ug]{ nufgL -Held to Maturity_
e'QmfgL ldlt;Dd wf/0f ug]{ ;sf/fTds dg;fo -Posi ve Intent_ / e'QmfgL ldlt;Dd wf/0f ug{ ;Sg] Ifdtf -Ability to
Hold ll Maturity_ eO{ ul/Psf] nufgL o; au{df kb{5 . e'QmfgL ldlt;Dd wf/0f ug]{ nufgLnfO{ ckn]lvt nfut -Amorsed Cost_ df -k/n d"No -Cost Price_ af6 Iflt -Impairments_ 36fP/_ b]vfO{Psf] 5 . IftLnfO{ gfkmf gf]S;fg vftfdf
b]vfO{G5 .
u_ ljlqmsf nflu of]Uo nufgL -Available for Sale_
Jofkfl/s nufgL -Held for Trading_ / e'QmfgL ldlt;Dd wf/0f ug]{ nufgL -Held to Maturity_ cGtu{t gkg]{ ;Dk"0f{
nufgLnfO{ o; ju{df /flvG5 . o:tf nufgLnfO{ ahf/b/ cg'?k lgoldt ?kdf d"Nofg -Marked to Market on Regular
Basis_ ul/ leGgtfnfO{ hu]8f -Reserves_ dfkm{t ;dfof]hg -Adjust_ ug'{ kb{5 .
g]kfn /fi6 a}+ssf] lgb]{lzsfn] Joj:yf u/] cg';f/ ;j} nufgLx?sf] lgoldt k'g/fjnf]sg ug]{ u/L nufgL ul/Psf] 5 .
!%= l:y/ ;DklQ tyf x|f; sLM
-s_ l:y/ ;DklQ x|f; sL kZrft b]vfOPsf] 5 .
-v_ ?=%,))). eGbf sd d'No kg]{ ;DklQx? vl/b ul/Ps} jif{df k"hLut vr{ hgfOPsf] 5 .
-u_ x|f; sL ubf{ l:y/ ;DklQsf] cg'dflgt l6sfp cjlwnfO{ cfwf/ dfgL Straight Line Basis sf] cfwf/df gfkmf gf]S;fg
lx;fadf n]vfg ul/Psf] 5 . hUufsf] x|f; sL ul/Psf] 5}g . l:y/ ;DklQsf] l6sfp cjlw b]xfo adf]lhd lgwf{/0f ul/Psf]
5.
l:y/ ;DklQsf] k|s[lt
l6sfp cjlw
kmlg{r/================================
% jif{
pks/0fx?===========================
% jif{
;jf/L ;fwgx?=====================
%& jif{
sDKo"6/x?===========================
% jif{
lghL :jfldTjdf /x]sf] ejg====
@)$) jif{
3_ lgdf{0ffwLg l:y/ ;DklQ, l:y/ ;DklQ vl/bsf nflu lbO{Psf k]ZsLx? / cfly{s d;fGt cl3 k|of]u gul/Psf ;DklQsf
nfutx?nfO{ k"hLut lgdf{0f -Capital Construc on_ df b]vfOPsf] 5 .
!^= u}/ a}+ls ;DklQM
u}/ a}+ls ;DklQnfO{ p7fpg afsL /sd -;f++jf / Jofh_ jf jf:tljs ahf/ d"No h'g sd x'G5 To;}df d'Nof+lst ul/Psf] 5 .
g]kfn /fi6 a}+ssf] lgb]{lzsf d'tfljs u}/ a}+ls ;DklQsf] nflu gf]S;fgL Joj:yf ul/Psf] 5 .
!&= ;km\6j]o/ vr{M
sDKo"6/ ;km\6j]o/ nfO;]G; ln+bf nfu]sf] vr{nfO{ ;f] ;km\6j]o/sf] k|of]u ;'? u/]sf] ldltnfO{ cfwf/ dfgL k"hLs[t ul/Psf] 5 .
45
!*=
!(=
@)=
@!=
@@=
@#=
@$=
46
tL vr{x?nfO{ ltgLx?sf] l6sfp cjlwsf] cfwf/df kl/zf]wg (Amor za on) ul/g]5 .

kl/zf]wg (Amortization):
gfkmf gf]S;fg lx;fjdf Straight Line Basis sf] cfwf/df cb[Zo ;DklQx?sf] l6sfp cjlw cg';f/ vr{ n]lvPsf] 5 . cb[Zo
;DklQx?sf] k|of]u z'? ePkl5 kl/zf]wg ug{ ;'? ul/Psf] 5 . To:tf ;DklQsf] l6sfp cjlw lgDgfg';f/ lgwf{/0f ul/Psf] 5M
sDKo"6/ ;km\6jo]/==================== % jif{{
lnhxf]N8 ;DklQdf ePsf] vr{ % jif{{ leqdf jf k|f/lDes nLh cjlw h'g sd x'G5, ;f]xL cjlwdf Straight Line Basis sf]
cfwf/df kl/zf]wg ul/Psf] 5 .
sd{rf/L ;'ljwfM
-s_ ;~ro sf]ifM sd{rf/L ;~ro sf]if a}+sjf6 :jtGq sf]ifdf of]ubfg ul/Psf] ;dodf g} vr{ hgfO{Psf] 5 .
-v_ pkbfgM a}+ssf] sd{rf/L ;]jf ljlgodfjnL adf]lhd pkbfg lbg' kg]{ bfloTj :yflkt ePsf] cfwf/df n]v+fsg u/L a}+s eGbf
:jtGq :jLs[t cjsfz sf]ifdf Joj:yf ul/Psf] 5 .
:6]zg/L df}HbftM
lglZrt :6]zg/L nIdL a}+s lnld6]8sf nflu ljz]if k|sf/sf ePsfn] ;f] vl/b u/]sf] ;dodf vr{ hgfOPsf] 5 .
cfos/ Joj:yfM
cfos/ vr{n] xfn a'emfpg' kg]{ / :yug s/ (Deered Tax) sf] hf]8nfO{ hgfp+b5 .
cfos/ P]g, @)%* cg';f/ u0fgf u/L gfkmfsf] cfwf/df xfn a'emfpg' kg]{ s/sf] ?kdf cfos/sf] nflu Joj:yf (Provision)
ul/Psf] 5 .
Deferred Tax -:yug s/_M ;DklQ tyf bfloTjsf] cfwf/df :yug ul/Psf] s/sf] n]vfg ul/Psf] 5 . ljQLo ljj/0f cg';f/
sf] ;DklQ tyf bfloTjsf] /sd tyf s/cfwf/ aLr km/s eO{ >[hgf x'g] c:yfoL cGt/ -Temporary Dierence_ sf] sf/0fn]
eljiodf >[hgf x'g] s/ bfloTj tyf ;DklQsf] nut /fVg] p2]Zon] :yug s/sf] n]vfg ul/Psf] 5 . :yug s/ ;DklQ tyf
bfloTj dfkg ug{sf nflu h'g jif{{df c:yfoL cGt/ ;dfof]hg x'g ;S5 ;f]xL jif{{sf nflu P]g4f/f nfu' eO{;s]sf] s/sf] b/ jf
xfnsf] s/sf] b/ nfu' x'g] cg'dfg ul/Psf] 5 .
lnhM
lnh cGtu{t /x]sf] ;DkQLx? ;'?jftdf ltlgx?sf] plrt d'Nosf] cfwf/df sDkgLsf] ;DkQLsf] ?kdf jf olb at{dfg Go"gtd
lnh e'QmfgL /sd eGbf sd /x]sf eP ;f] j/fj/ n]v+sg ul/Psf] 5 . n];/k|ltsf] ;DaGwLt bfloTj ljlQo lnh bfloTj zLif{sdf
ljlQo ljj/0fdf ;dfj]z ul/Psf] 5 .
lnh e'QmfgLx? Af+sL /x]sf] df}Hbftdf l:y/ Jofhb/ k|fKt x'g] ul/ ljQLo vr{ / 36\bf] lnh bfloTj jLr jf+8kmf+8 ul/Psf]
5 . ljlQo vr{x? of]Uo ;DklQsf] ?kdf (Qualifiying assets) k|ToIf ;dfj]z x'g] cj:yfdf afx]s t'?Gt} gfkmf gf]S;fg lx;fjdf
b]vfO{Psf] 5 . ljljw ef8fx? bfloTj >[hgf ePs} avt vr{sf] ?kdf b]vfO{Psf] 5 . ;~rfng lnh e'QmfgLx? lnh ;DaGwL
;t{ adf]lhd Straight-Line Basis sf] cfwf/df vr{ hgfO{Psf] 5 . vftfdf eP klg To:tf ljQLo vr{nfO{ t'?Gt} gfkmf gf]S;fg
lx;fjdf b]vfOPsf] 5 . ljljw ef8fx? e'QmfgL u/]s} jvt vr{sf] ?kdf b]vfOPsf] 5 . o; afx]s c? j9L k|efjsf/L x'g] cfly{s
kmfObfx? pkef]u ul/Psf] cfwf/df ePdf ;f]xL adf]lhd vr{ hgfO{Psf] 5 .
Joj:yf, ;Defljt bfloTj tyf ;DklQ
a}+sn] ljutsf lqmofsnfkaf6 ;[hgf ePsf] bfloTjsf -h;sf] nflu >f]tsf] e'QmfgL cfjZos /x]sf] / bfloTj /sd lglZrt ug{
;Sb5_ nflu Joj:yf u/]sf] 5 . ;DefJo bfloTj tyf jt{dfg bfloTj -h;sf nflu >f]tsf] e'QmfgL cfjZos gx'g ;Sb5_ nfO{
;Defljt bfloTj cGtu{t b]vfO{Psf] 5 . olb >f]tsf] e'QmfgL x'g] ;Defjgf Go"g /x]df s'g} Joj:yf jf hfgsf/L k|sflzt ul/Psf]
5}g .
;Defljt ;DklQ ljlQo ljj/0fdf n]vfg ul/Psf] 5}g . t/ ;Defljt ;DklQ lgoldt ?kdf d"Nofg ul/ ;f] jf:tjdf lglZrt
/x]sf] / cfly{s kmfObf k|fKt x'g] vfnsf] ePdf To:tf] ;DklQ / ;DjlGwt cfodf kl/jt{g ePs} ;dodf n]vfg ul/Psf] 5 .
8]l/e]l6e s/f/jf6 l;h{gf x'g] bfloTj cGtu{tsf] kmjf{8 PS:r]Gh sG6fS6sf] nflu e'QmfgL afsL bfloTj pkzLif{sdf n]vfg
ul/Psf] 5 . o;df kmjf{8 /]6 Plu|d]G6sf] cg'dflgt afsL /x]sf] ;f+jf ;d]t ;dfj]z 5 .
ljut jif{sf tYof+sxM
t'ngf ug{ ;lhnf]sf] nflu cfjZostf cg';f/ ljut jif{{sf tYof+sx?nfO{ jlu{s/0f jf k'g{jlu{s/0f ul/Psf] 5 .
cg';"rL $=##
Nf]vf ;DaGwL l6Kk0fLx?

!=
@=
#=
$=
%=
^=
&=
*=
(=
Jofh cfDbfgL tyf Jofh d"NtjLM

cfly{s jif{sf] cGt;Dddf shf{ tyf ;fk6Ldf lng afsL Jofh -Interest receivable_ nfO{ g]kfn /fi6 a}+ssf] lgb]{lzsf d'tfljs
Jofh d'NtjL lx;fjdf ;fl/Psf] 5 . g]kfn /fi6 a}+ssf] ldlt @)^*)$)# sf] lgb]{zgn] cg'dlt lbPtfklg @)^* cfiff9 #@
;Dddf afsL /x]sf] / @)^* >fj0f dlxgfdf k|fKt ePsf] JofhnfO{ cfDbfgLdf b]vfO{Psf] 5}g .
sd{rf/L af]g; Joj:yfM
jf]g; k5fl8sf] v'b gfkmfsf] !) k|ltzt /sd ?=%,#(,$),*%$ sd{rf/L jf]g;sf] nflu 5'6\ofO{Psf] 5 .
sd{rf/L cfjf; sf]ifM
a}+ssf] sd{rf/L ;]jf ljlgodfjnLn] of]Uo 7x/\ofPsf sd{rf/LnfO{ cfjf; shf{ pknJw u/fpg] Joj:yf ePsf]n] >d P]g, @)$*
n] Joj:yf u/]sf] cfjf; sf]ifsf] Joj:yf ul/Psf] 5}g .
pkbfg sf]ifM
nIdL a}+s cjsfz sf]if -:jLs[t cjsfz sf]if_ df /flvPsf] pkbfg sf]ifsf] df}Hbft kfs]sf] cfwf/df bfloTj u0fgf ug]{ ljlw
jdf]lhd u0fgf ul/Psf] pkbfg bfloTj -ldlt !^ h'nfO{ @)!! ;Dddf ?=!,(&,%%,(&^=_ sf nflu kof{Kt 5 .
;fwf/0f hu]8fM
g]kfn /fi6 a}+ssf] lgb]{lzsf d'tfljs o; jif{{sf] gfkmfsf] @) k|ltzt ;fwf/0f hu]8f sf]ifdf ;fl/Psf] 5 .
;6xL 36j9 sf]ifM
cfly{s jif{{sf] cGtdf ljb]zL d'b|fsf] k'g{d"Nof+sgaf6 ePsf] gfkmf ?=^*,^$,*#( sf] @% k|ltzt /sd ?= !&,!^,@!) g]kfn
/fi6 a}+ssf] lgb]{lzsf d'tfljs gfkmf gf]S;fg af8f8 lx;fadf vr{ n]vL ;6xL 36j9 sf]ifdf ;fl/Psf] 5 .
nufgL ;dfof]hg sf]ifM
ldlt @)^* cfiff9 #@ df nufgL ;dfof]hg sf]ifsf] /sd ?= #$,$),!(& -g]kfn /fi6 a}+ssf] lgb]{zg cg';f/ ljqmLsf] nflu
of]Uo z]o/ nufgLsf] @ k|ltzt_ /x]sf] 5 / gfkmf gf]S;fg af8f8 lx;faaf6 Go"gtd k"hLsf]if ;DaGwL Joj:yf -Capital
Adequacy Framework_ sf] lgb]{zg adf]lhd ?= !*,((,*#) 5'6\ofO{Psf] 5 .
l:y/ ;DklQM
xflQ;f/ l:yt hUuf / ejg Pe/]i6 OG:of]/]G; sDkgL lnld6]8, uf]vf{ j|"c/L lnld6]8 / lxdfnog :GofS; k|f=ln=;+u ;+o'Qm
nufgLdf /x]sf] 5 . o; 3/ hUufsf] s'n d"Nosf] $)=#$ k|ltzt nIdL a}+ssf] :jfldTjdf kb{5 . cfkm\gf] :jfldTjdf /x]sf]
3/sf] d"Nodf x|f; sL ul/Psf] 5 .
cfos/ ;DaGwL ljifox?M
tTsflng xfO;]km kmfOgfG; ln= sf] cf=j= @)%&)%* sf] nflu :jo+ s/ lgwf{/0f u/L bflvnf u/]sf] cfo ljj/0fdf s/
sfof{non] ?= !^,^!,)$@.&! sf] yk s/ lgwf{/0f u/] pk/ o; a}+sn] /fhZj Gofoflws/0fdf k'g/fj]bg u/]sf]df ;f]sf] lg0f{o
x'g afsL /x]sf]n] pQm /sd ljjflbt s/ cGtu{t ;DefJo bfloTjdf b]vfOPsf] 5 .
a}+sn] cf=j= @)^^)^& ;Ddsf] cfo ljj/0f :jod\ s/ lgwf{/0f k|s[of cGtu{t :jo+ s/ lgwf{/0f u/L 7'nf s/bftf sfof{nodf
bflvnf ul/;s]sf] 5 .
cf=j= @)^))^!, @)^!^@ -nIdL a}+s_, / @)^@^# sf] ;DaGwdf 7'nf s/bftf sfof{non] dfu u/]sf] yk s/ /sd
?=%!,%#,(!^.%% cf=j= @)^))^! sf nflu, ?=(^,!*,^!!, cf=j= @)^!^@ -nIdL a}+s_ sf] nflu / ?=!,)^,$%,!*%
cf=j= @)^@^# sf nflu dfu]sf]df a}+sn] ;f] lj?4 /fhZj Goflws/0fdf lgj]bg lbPsf] 5 . pQm bflj ul/Psf] /sd ;Defljt
bfloTj cGtu{t cg';"lr $=!& df b]vfO{Psf] 5 . ;f] jfkt a}+sn] w/f}6L ?= (!,@!,*!! hDdf u/]sf] 5 .
a}+ssf] cf=j= @)^#)^$ sf] cfos/ lgwf{/0f ;DaGwdf 7'nf s/bftf sfof{non] yk ?= !,)^,^#,%&$ dfu u/]sf]df a}+sn]
;f] lj?4 k|zf;lgs k'g/fjnf]sgsf] nflu dxfk|jGws ;dIf k'g/fj]bg u/]sf] 5 . dfu ul/Psf] /sd ;Defljt bfloTj cGtu{t
47
!)=
!!=
s=
v=
u=
3=
!@=
cg';"lr $=!& df b]vfO{Psf] 5 .

lg0f{o d'NtjL /x]sfn]] lt yk dfu lj?4 s'g} Joj:yf ul/Psf] 5}g .
cf=j= @)^!^@ -xfO;]kmf ;DaGwLt_ sf] ;DaGwdf 7'nf s/bftf sfof{non] dfu u/]sf] yk s/ /sd ?=!,^),&(,$*( lj?4
k|zf;lgs k'g/fjnf]sgsf] nflu lgj]bg lbPsf] 5 . dfu ul/Psf] /sd ;Defljt bfloTj cGtu{t cg';"lr $=!& df b]vfO{Psf]
5 . pQm bflj ul/Psf] /sd lj?4 a}+sn] ?= #),$*,))) w/f}6L hDdf u/]sf] 5 . oBkL, cfGtl/s /fhZj ljefun] s/ of]Uo
cfosf] bf]xf]/f] u0fgfsf] ;Defjgf k'g/fjnf]sg ug{ ;f] kmfOn 7'nf s/btf sfof{nodf lkmtf{ u/]sf] 5 .
a}+sn] cfkm\gf] s'g}klg ;DklQ lwtf] /fvL shf{ lnPsf] 5}g .
cGo ;+:yfsf] z]o/ k"hLdf nufgLM
g]kfn a}+s lnld6]8 M
tTsflng xfO;]km kmfOgfG; lnld6]8n] g]kfn a}+s lnld6]8sf] z]o/df nufgL u/]sf] lyof] . oL z]o/x? g]kfn lwtf]kq ljlgdo
ahf/ lnld6]8n] ;"lrs/0faf6 x6fPsf] cj:yf ljBdfg ePsfn] zt k|ltzt gf]S;fgL Joj:yf ul/Psf] 5 . oL z]o/x?
;"lrs/0faf6 x6]sf]n] g]kfn /fi6 a}+ssf] lgb]{lzsf cg's'n laqmL ug{ ;lsPsf] 5}g .
lxdfnog l8li6n/L lnld6]8M
a}+s -tTsflng xfO;]km kmfOgfG; lnld6]8_ n] lxdfnog l8:6Ln/L lnld6]8sf] z]o/ k|Tofe"lt u/]sf] lyof] . pQm z]o/ vl/bsf
nflu cfjZostf cg';f/sf] cfj]bg gk/]sf] x'bf tTsfn dfu u/]sf] ?= %) k|lt z]o/sf b/n] a}+sn] e'QmfgL u/]sf] lyof] .
a}+sn] ;f] z]o/sf] bf]>f] ls:tf jfktsf] /sd ?= %) ga'emfPsf]n] lxdfnog l8:6Ln/L lnld6]8n] pQm z]o/x? hkmt u/]sf]
lyof] . o; ljifodf lxdfnog l8l:6n/L lj?4 a}+sn] d'b\bf bfo/ u/]sf] lyof] . o; lj?4 lxdfnog l8l:6n/Ln] bfo/ u/]sf] l/6
lgjb]g ;jf]{Rr cbfntaf6 vf/]h ePsf] / lxdfnog l8:6Ln/Ln] pQm km};nf adf]lhd xfn ;Dd lg0f{o gu/]sf] .
nIdL Soflk6n dfs]{6 lnld6]8M
g]kfn /fi6 a}+ssf] lgb]{zg adf]lhd, nIdL a}+sn] ;ldIff jif{{df ?= & s/f]8sf] ;+:yfks z]o/df nufgL u/L -s'n hf/L k"hLsf] &)
k|ltzt_ dr]{G6 a}+ls ;xfos sDkgL nIdL Soflk6n dfs]{6 lnld6]8 vf]n]sf] 5 . Soflk6nn] ldlt @)^&)(!# df g]kfn
lwtf]kq jf]8{af6 lwtf]kq Joj;foL -dr]{G6 a}+s/_ lgodfjnL, @)^$ cGtu{t ;~rfng cg'dlt k|fKt u/]sf] xf] .
nIdL dfOqmf] fOgfG; 8]enkd]G6 a}+s lnld6]8M
nIdL a}+sn] dfOqmf]kmfOgfG; Joj;fonfO{ cnu u/L ;~rfng ug{ 3 ju{sf] ljQLo ;+:yfsf] ?kdf nIdL dfOqmf]kmfOgfG;
8]enKd]G6 a}+s lnld6]8 vf]n]sf] 5 . of] ;xfos sDkgL g]kfn /fi6 a}+saf6 ;~rfng cg'dtLsf] k|lqmofdf /x]sf] 5 . g]kfn /fi6
a}+ssf] k|fjwfg cg';f/, nIdL a}+s lnld6]8n] o;sf] z]o/sf] nflu clu|d ?kdf !^ h'nfO{, @)!! ;Dddf ?= #,%),)),)))
hDdf ul/;s]sf] 5 .
nufgL dfly lnogM
a}+sn] :6\of088{ rf6{8{ a}+s -n08g / l;+ufk'/_ df !^ h'nfO{ @)!! df /x]sf] cd]l/sL 8n/ @^,)),!$)=)! a/fj/sf] /sd
:6\of088{ rf6{8{ a}+s ;+usf] lnog kq adf]lhd lnogdf 5 .
!#= ;DaGwLt kIf sf/f]jf/M

;DaGwLt sDkgL;u sf/f]jf/M
Pe/]i6 OG:of]/]G; sDkgL lnld6]8 -;femf lgoGq0fsf] cfwf/df ;DaGwLt kIf_ nfO{ cfly{s jif{{ @)!)!! df OG:of]/]G; lk|ldod
afkt hDdf ?=#^,%*,!($=!^ e'QmfgL u/]sf] 5 . k|fOd nfOkm OG:of]/]G; sDkgLaf6 -xfd|f] !% k|ltzt z]o/ nufgL /x]sf]_
cf=j= @)!)!! df ?=(,@&,)%$=!# sldzg k|fKt ePsf] 5 .
o;sf] cnfjf, a}+sn] Joj;fosf] ;fdfGo cj:yfdf ;~rfnsx? / ;DaGwLt sDkgLx?af6 ;d]t lgIf]k l:jsf/ u5{ .
Key Management Personnel sf nflu cf=j= df Ifltk'lt{ afktsf] e'QmfgL ljj/0fM
k|d'v Joj:yfklso sd{rf/Lx?nfO{ -k|d'v sfo{sf/L clws[t, sDkgL ;lrj / cGo ;j} k|jGws txsf sd{rf/Lx? ;d]t_ 5f]6f]
48
cjlwsf] sd{rf/L ;'ljwf cGtu{t cf=j= @)!))!! df hDdf ?=%,#^,$@,&%# e'QmfgL u/]sf] 5 . o;sf cltl/Qm pgLx?n]
a}+ssf] sd{rf/L ;]jf ljlgodfjnL / sd{rf/L ;]jf / zt{x? cg';f/ cGo ;'ljwfx? klg kfpg] 5g\ .
;]jf cjlw kZrftsf], nfdf] cjlwsf] jf z]o/sf] cfwf/df sd{rf/Lx?nfO{ e'QmfgLsf] Joj:yf ul/Psf] 5}g . a}+ssf] sd{rf/L ;]jf
ljlgodfjnLdf Joj:yf u/] cg';f/ sd{rf/Lx?n] ;'ljwf cGtu{t pkbfg kfpg] Joj:yf 5 .
o; cfly{s jif{{df ;~rfns ;ldltsf ;b:ox?;usf] sf/f]jf/M
a}+7s eQfM
?=*,#),)))
cGo a}7s vr{x?M
?=@,$!,%)*
!$= lx;fj ldnfgsf] cj:yfM

? xhf/df
lx;fa ldnfgsf] cj:yf
hDdf /sd # dlxgf ;Dd # dlxgf b]lv ( ( dlxgf b]lv ! ! jif{ b]lv # # jif{ eGbf a9L
dlxgf ;Dd
jif{ ;Dd
jif{ ;Dd
zfvf lx;fa ldnfg
@^
Ph]G;L vftfx?
*&,(!,^&
*$,$^,^!
@,%@,)(
!(,&#
&@,(&
o;df 8]lj6 / qm]l86 cGt/x? ;j} hf]l8Psf 5g\ . dfly b]vfOPsf km/sx? klxrfg eO;s]sf 5g\ / cfjZostf cg';f/ ;dfof]hg
ul/ ;lsPsf]ug{] qmddf /x]sf 5g\ .
!%= lnhM
ljQ lnhM
a}+s s'g} klg ljQ lnhdf ;dfj]z ePsf] 5}g / a}+ssf] ljQ lnh ;DaGwL s'g} k|sf/sf] bfloTj 5}g .
;~rfng lnhM
a}+sn] zfvf clkm; / zfvf eGbf aflx/ ATM :yfkgfsf] nflu ljleGg ;dodf kf ;Demf}tf u/]sf] 5, h'g ;DaGwLt kIf;u
s/f/;Demf}tfdf pNn]v ePsf zt{x? cg';f/ ;"rgf lbP/ e+u ug{ ;lsG5 . a}+sn] eljiodf vf/]h ug{ g;lsg] ;~rfng kfsf]
cfwf/df Go"gtd\ kf e'QmfgLx? ug'{kg]{ 5}g / vf/]h gx'g] ;~rfng kf cGtu{t s'g} ef8f vr{ 5}g .
!^= shf{ tyf ;fk6L k|jfx, c;'nL tyf ;f+jf Jofh ckn]vgsf] ;f/f+zM
? xhf/df
ljj/0f
shf{ k|jfx
shf{ c;'nL
shf{ ckn]vg
Jofh ckn]vg
!&= lgIf]k bfloTjdf kl/jt{gsf] ;f/f+zM
/sd
$@,$(,@%,^#
$!,*#,($,(^
)
)
? xhf/df
ljj/0f
sn l8kf]lh6
rNtL lgIf]k
d'2tL lgIf]k
ut jif{ #@#@)^&
-!^&@)!)_
%,$%,%$,#^
*!,((,^!
&,*@,!$,%*
/s
rfn' jif{ #@#@)^*

-!^&@)!!_
-&*,!^,!@_
-&,)$,!!_
!,^#,@!,!)
$,^&,#*,@#
&$,(%,$(
(,$%,#%,^*
49
art lgIf]k
dflh{g / cGo lgIf]k
#,^*,$(,!^
#),!!,*&
-$^,(!,(#_
-(,$@,@$_
#,@!,%&,@@
@),^(,^#
!*= Jofhb/ cGt/sf] cf};t ef/M

b/ -k|ltzt_
!@=!!
*=)(
$=)@
shf{ tyf ;fk6L tyf nufgLdf k|fKt cf};t b/

lgIf]k tyf ;fk6Lsf] cf};t b/
v'b cGt/
!(= Exposure sf] Psfu|tfsf] ;f/f+z
ljj/0f
shf{ tyf ;fk6L / lan vl/b lgIf]k bfloTj tyf ;fk6L
@)^*)##@ sf] s'n /sd
!%,#*,($,&@
!*,^$,(^,@&
Ps} u|fxsdf ePsf] ;j}eGbf al9 Psfu|tf
$^,$%,#@
!,@%,*@,!@
Ps} u|fxsdfaf6 ePsf] Psfu|tf -k|ltztdf_
#=)@
^=&%
@@= Dofb gf3]sf] cfwf/df ;DklQ tyf bfloTjsf] juL{s/0f
?= xhf/df
;Defljt bfloTj
$,(&,(*,^(
$#,$$,*%
*=&@
?= nfvdf
;DklQ
!& lbg
*#)
lbg
#!()
lbg
(!!*)
lbg
!*!@&)
lbg
@&!#^%
lbg
! jif{ eGbf
dfly
hDdf /sd
!= gub df}Hbft
#%,%$
#%,%$
@= a}+s df}Hbft
@,)),!@
@,)),!@
#= ljb]zL a}+sdf nufgL
$!,%&
$!,%&
$= sn / 5f]6f] ;"rgfsf] k};f
%= g]kfn ;/sf/sf] ;'/If0fkq
!(,()
!,)!,*(
$$,))
&,#&
@@,!)
!,(%,@^
^= g]kfn /fi6 a}+s a08
!&!
!,&!
&= cGt/ a}+s shf{ / ;fk6L
!$,@$
*%,$$
%,*#,^^
!%,#*,(%
*= shf{ tyf ;fk6L

(= Jofh cfDbfgL -cg'dflgt_
&!,@)
!,!!,)%
!,#$,#@
@,%*,@!
!,&^,&&
!,#(,%!
!,#%,$@
#,*(
!@,&*
##,#$
%),)@
%),)@
%),)@
@,)),)^
!)= l/hj{ l/kf]6{
!!= cGo s/f/k|ltj4tf adf]lhd lngkg]{ /sd
!@= l;=g+= @),@! / @@ cGtu{t ltg{kg{] /sd
#,(@,!* !,^&,))
$,^$,^%
@,&),&*
!,(^,*(
@,)&,%$
%,((,^!
@@,(*,^%
!#= cGo
s'n ;DklQ
bfloTj
!$= rNtL lgIf]k
@(,(*
#,&%
#,&%
#,&%
#,&%
#,&%
@^,@#
&$,(%
!%= art lgIf]k
#@
^$
^$
#,@@
$,*@
^,$#
#,)%,$(
#,@!,%&
!^= d'2tL lgIf]k
^*,(*
!,*(,)^
@,@$,(^
!,$!,^&
@,!^,#$
!,)$,#*
(,$%,$)
!&= j08
#%,))
#%,))
50
dfu5f]6f] ;"rgf
cGt/ a}+sljQLo ;+:yf
k'gMnufgL
cGo
!,*^,(%
@#,#&
@#,#&
@#,#&
@#,#&
@#,#&
!,^#,%*
$,^&,#*
$,!#
$,!#
!,^*
%,%@
!$,$)
@!,^!
@!,^!
@!,^!
*^,$@
s'n bfloTj
@,@#,)^ !,)@,@&
@,#!,@@
@,&^,()
!,(%,@@
@,&!,%)
^,#$,^(
!(,#$,*^
v'b ljQLo ;DklQ
!,^(,!!
^$,&$
@,##,$#
-^,!@_
!,^&
-^#,(^_
-#%,)*_
#,^#,*)
v'b ;+lrt ljQLo ;DklQ
!,^(,!! @,##,*%
$,^&,@*
$,^!,!&
$,^@,*$
#,(*,**
#,^#,*)
&,@&,%(
!*= ;fk6L
!(= sn vftf
@)= cGo bfloTj / Joj:yfkg
Sundry Creditors
e'QmfgL ug'{kg]{ ljn

e'QmfgL ug'{kg]{ Jofh -cg'dflgt_
5'6\ofPsf]
cGo
@!= cGo ;+:yfnfO{ k|ltj4tf cGtu{t ltg'{kg]{ /sd
@!= shf{ Psfu|tf

If]q
!= s[lif
@= df5fkfng
#= vlgh
$= pTkfbg
%= lgdf{0f
^= ljB't, Uof; / kfgL
&= wft' pTkfbg d]l;g/L / ljB'tLo pks/0f tyf lkml6
*= oftfoft, ;~rf/ / ;fj{hlgs ;]jf
(= xf]n ;]n/ / l/6]n;{
!)= ljQ, ljdf / :yL/ ;DklQ
!!= xf]6n jf /]i6'/]G6
!@= cGo ;]jfx?
!#= pkef]Uo shf{
!$= :yfgLo lgsfo
!%= cGo
hDdf
;+Vof
%*$
)
%@#
**#
@*
!#
()
($(
%!$
^
!!@
*%@
!
@&(
$*#$
;f+jf
%(&
)
##%&*
##!*#
!!$%
##^
*@$@
@%@^$
#$$$$
#(*
^)&$
$(,(*
!#$^
$@*(
!%#*(%
?=nfvdf
Jofh
@
)
@$
@)*
)
)
!$
!^
%*
@
@#
!^
)
&
#,&@
51
@@= u}/ a}+ls ;DkQLsf] ljj/0f -g]kfnL ?k}ofdf_

Uft jif{
rfn' jif{sf] yk
%,!&,&))
@#= lnh xf]N8 ;DkQL ckn]vgsf] ljj/0f M
rfn' jif{sf] ljqmL

$,(@,@))
jif{sf] cGtdf afsL

@%,%))
?k}+ofdf
ut jif{ b]lvsf] lnh xf]N8 ;DkQL

@,**,!*,^^@
@$= s/ bfloTjsf] lx;fa ldnfg M
o; jif{sf] yk36
@,)!,##,$!%
rfn' jif{sf] ckn]vg

!,)$,!#,)#!
jif{sf] cGtsf] v'b afsL

#,*%,#(,)$&
ljQLo ljj/0f cg';f/sf] gfkmf s/ of]Uo gfkmf ;+u ldnfO{ b]xfo adf]lhd s/ bfloTj lgwf{/0f ul/Psf] 5M
?= xhf/df
ljj/0f
gfkmf gf]S;fg vftf adf]lhd s/ cuf8Lsf] gfkmf
ykM ;dfof]hg
cg';"rL @$ adf]lhd x|f; vr{ 36fO{ 5'} b]vfO{Psf]
vr{ n]lvPsf] pks/0f / kmlg{r/ 5'} 36fO{Psf]
lnhxf]N8 kl/zf]wg 5'} 36fO{Psf]
;km\6j]o/ kl/zf]wg 5'} 36fO{Psf]
cfos/ P]g adf]lhd yk]sf] dd{t / ;Def/
36fpM ;dfof]hg
cfos/ P]g adf]lhd 36fO{Psf] x|f; vr{
l:y/ ;DkQL ljqmLsf] gfkmf 5'} b]vfO{Psf]
cfos/ P]g @)%* adf]lhd s/ of]Uo gfkmf
skf]{/]6 cfo s/ -#) k|ltztsf b/n]_
/sd
%#,($,)*
#,#^,^%
!&,$%
!,)$,!#
@@,*!
!#,&(
-%,)!,*^_
-$,#@_
%#,*@,&#
!^,!$,*@
@%= :yug s/ ;DklQ -bfloTj_M

@)^* cfiff9 d;fGt -@)!!)&!^_ sf] ;DklQ / bfloTjdf /x]sf c:yfoL km/s -:yug s/ k|of]hgsf nflu_ o; k|sf/
5g\ M
ljj/0f
ljQLo ljj/0f cg';f/

s/ cfwf/
v'b c:yfoL km/s
l:y/ ;DklQ
@@,$&,%(,%$*
@@,#*,$$,^!%
-(,!$,(##_
s'n c:yfoL km/s
@@,$&,%(,%$*
@@,#*,$$,^!%
-(,!$,(##_
@)^* cfiff9 d;fGt ;Ddsf] :yug s/ ;DklQ -bfloTj_ -#) k|ltztsf b/n]_
-@,&$,$*)_
@)^& cfiff9 d;fGt ;Ddsf] :yug s/ ;DklQ -bfloTj_
@%,)^,$(%
rfn' jif{sf] nflu :yug s/ cfDbfgL -vr{_
-@&,*),(&%_
dfly b]vfOP jdf]lhd cfiff9 d;fGt @)^* -!^ h'nfO{ @)!!_ sf] :yug s/ bfloTj ?=@,&$,$*) ePsf] / ?=@&,*),(&%
o; jif{sf] gfkmf gf]Szfg lx;fjdf :yug s/ vr{df n]vfg ul/Psf] 5 .
g]kfn /fi6 a}+ssf] lgb]{lzg adf]lhd o; jif{ :yug s/ sf]ifdf /x]sf] ?= @%,)^,$(% nfO{ gfkmf gf]S;fg af+8kmf+8 lx;fj vftfdf
;fl/Psf] 5 .
52
@^= *=% k|ltzt nIdL a}+s l8j]Gr/, @)&@ M

ldlt @% gf]e]Dj/, @))* df a}+sn] ?= #% s/f]8 d'No a/fj/sf] & jif{{ kl5 lkmtf{ e'QmfgL x'g] k|lt lsQf ?=!))) c+lst d'No
ePsf] jflif{s *=% k|ltzt Jofhsf b/n] cw{aflif{s ?kdf Jofh e'QmfgL ul/g] l8j]Gr/ hf/L u/]sf] 5 .
g]kfn /fi6 a}+sn] C0fkq lkmtf{ e'QmfgLsf] nflu C0fkqsf] cjlw k'/f x'g' cl3sf % jif{ leq sf]ifsf] jf8kmf8 /sd 5'6\ofpg
:jLs[lt lbPsf] ePtf klg a}+ls cEof; cg';f/ a}+sn] ;'?s} jif{ b]lv ?= % s/f]8sf b/n] clGtd cjlw ;Dd /sd 5'6\ofpg]
lg0f{o u/]sf] 5 . o;sf nflu a}+sn] C0fkq lkmtf{ e'QmfgL sf]if v8f u/L gfkmf gf]Szfg jf8kmf8 lx;fjjf6 o; jif{{ klg ?=
%,)),)),))) pQm sf]ifdf ;f/]sf] 5 . C0fkq lkmtf{ e'QmfgL sf]ifdf ldlt !^ h'nfO{ @)!! ;Dddf ?=!%,)),)),))) hDdf
ePsf] 5 .
@&= gub nfef+z tyf af]g; z]o/M
;~rfns ;ldltn] z]o/wgLx?nfO{ o; jif{{sf] gfkmfaf6 g]kfn /fi6 a}+s / cfufdL ;fwf/0f ;efaf6 l:js[lt lnP/ % k|ltzt
jf]g; z]o/ -s/ kl5sf] v'b_ / !)=&( k|ltzt gub nfef+z -jf]g; z]o/ / gub nfef+zdf nfUg] s/ k5L !) k|ltzt v'b_
lbg] lg0f{o u/]sf] 5 . jf;nftdf gub nfef+zsf] nflu ?= !&,$),(*,*^@ k|:tfljt nfef+z cGtu{t / jf]g; z]o/sf] ?=
*,)^,&^,)@% cg';"rL $=! df ;dfj]z ul/Psf] 5 .
53
54
!
@
#
qm=;+=
;To gf/fo0f dfgGw/

gf/fo0f ahfh
cldt cu|jfn
;+:yfks;+:yfks ;d"x cGtu{t kg]{

z]o/wgLsf] gfd
#$,!*%
!%,!@)
#,#$,%#)
s'n lsQf ;+Vof

)=@!
)=)(
@=)&
s'n r'Qmf k'hLsf]

k|ltzt
;+:yfkssf] :jfldTjdf sfod

/x]sf] z]o/
l;4fy{ a}+s ln=

lxdfong a}+s ln=
lxdfnog a}+s ln=
shf{ lnPsf]
cGo a}+sljQLo
;+:yfsf] gfd
#@ cfiff9 @)^* -h'nfO{ !^, @)!!_
!*,$$,%)!
#,%*,^&!
!,#@,#$,%@#
shf{ /sd
shf{ ljj/0f
#$,!*%
!$,$))
!,%),)))
lwtf]df /x]sf] z]o/

lsQf ;+Vof
s}lot
?k}ofdf
cg';"rL $=#$
;+:yfks;+:yfks ;d"xsf z]o/wgLn] cfgf] :jfldTjdf /x]sf] z]o/ cGo a}+s tyf ljQLo ;+:yfdf lwtf] /fvL shf{
lnPsf] ljj/0f
n]vfk/LIf0f gePsf] / n]vfk/LIf0f ePsf] ljQLo glthfsf]

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

n]vfk/LIf0f
gePsf]
k|sflzt ljQLo
glthf
n]vfk/LIf0f
ePsf]
ljQLo glthf
s'n k'hL tyf bfloTj -!=! b]lv !=& ;Dd_

r'Qmf k'hL
21,75,73,78,091
1,6,135,20,500
21,55,98,91,394
1,69,41,96,525
-19,74,86,697_
8,06,76,025
!=@
!=#
!=$
!=%
s
v
!=^
hu]8f tyf sf]ifx?

C0fkq tyf a08x?
;fk6L
lgIf]kx? -sv_
:jb]zL d'b|fdf
ljb]zL d'b|fdf
cfos/ bfloTj
67,68,79,494
35,00,00,000
18,29,96,27,620
16,94,50,31,578
1,35,45,96,042
41,91,80,198
35,00,00,000
18,29,96,27,620
16,94,74,75,388
1,35,21,52,232
46,78,074
-25,76,99,296_
46,78,074
!=&
2=
2=1
2=2
2=3
cGo bfloTj
s"n ;DklQ -2=1 b]lv 2=7 ;Dd_
gub tyf a}+s df}Hbft
dfu tyf cNk;"rgfdf k|fKt x'g] /sd
nufgL
81,73,50,477
21,75,73,78,091
2,77,45,92,316
5,00,00,000
3,05,16,08,798
79,22,08,976
21,55,98,91,393
2,77,45,92,316
5,00,00,000
3,04,14,21,767
-2,51,41,501_
-19,74,86,699_
-0_
-1,01,87,031_
0=3 n]vfk/LIF)f ePsf] ljQLo glthfdf
2=4
shf{ tyf ;fk6
15,38,94,72,436
15,19,98,47,906
-18,96,24,530_
1 n]vfk/LIF)f ePsf] ljQLo glthfdf
qm=;+=
!=
!=!
ljj/0f
/s
/ssf] sf/0f
/sd
2=5
2=6
2=7
3.
3=1
3=2
s
3=3
3=4
3=5
v
3=6
3=7
u
3=8
#
3=9
3=10
l:y/ ;DklQ
u}/ a}ls ;DklQ
cGo ;DklQx
gfkmf gf]S;fg lx;fa
Aofh cfDbfgL
Jofh vr{
v"b Jofh cfDbfgL -3=13=2_
L, sldzg tyf l8:sfp06
cGo ;~rfng cfDbfgL
;^xL #^a( cfDbfgL
s"n ;+rfng cfDbfgL -s#=##=$#=%_
sd{rf/L vr{
cGo ;+rfng vr{
;Defljt gf]S;fgL Joj:yf cl3sf] ;+rfng -v#=^3=&_
;Defljt gf]S;fgL Joj:yfx
;+rfng d"gfkmf -u3=8_
u}/ ;+rfng cfDbfgL-gf]S;fg_-v"b_
;Defljt gf]S;fgL Joj:yfaf6 lkmtf{
35,23,38,244
13,93,66,297
35,23,38,243
14,16,91,161
-0_
23,24,863
2,23,33,32,791
1,50,38,51,025
72,94,81,766
6,77,95,886
6,95,14,877
6,31,27,874
92,99,20,403
15,76,62,248
16,92,94,370
60,29,63,785
1,36,22,293
589,341,492
8,73,687
7,85,868
2,23,33,32,791
1,50,38,51,025
72,94,81,766
6,77,95,886
6,95,14,877
6,31,27,874
92,99,20,403
15,76,62,248
16,92,94,370
60,29,63,785
1,36,34,832
58,93,28,953
8,73,687
7,98,406
12,538
-12,538_
12,538
3=11
r
3=12
lgoldt sf/f]af/af^ ePsf] d"gff-vr{_ -3#=(#=!)_

c;fdfGo sf/f]af/af^ ePsf] d"gff-vr{_ -v"b_
af]g; tyf s/ cl#sf] d"gff -3=11_
sd{rf/L af]g; Joj:yf
59,10,01,047
23,48,347
59,33,49,394
5,39,40,854
59,10,01,046
23,48,347
59,33,49,393
5,39,40,854
-1_
-1_
-0_
3=13
cfos/ Joj:yf
16,18,22,556
16,14,82,469
-3,40,087_
v"b gff-gf]S;fg_ -r3=123=13_
37,75,85,986
27,80,975
37,51,45,095
27,80,975
-24,40,891_
1
k|:tfljt af]g; z]o/
38 gub nfef+z / :yug s/sf] ;dfof]hg
s/ bfloTj n]vf k/LIF)f gePsf]

k|sflzt ljQLo glthfdf cGo bfloTj
cGtu{t b]vfO{Psf]
3 Joj:yfx? / gub nfef+zsf] ;dfof]hg
Joj:yf kl% v"b /sd b]vfOPsf] .

Joj:yf kl% v"b /sd b]vfOPsf] .
0
2 Joj:yfx?sf] ;dfof]hg
0 gf]S;fgL Joj:yfaf^ ltf;u ;dfof]hg

0
2 ;Defljt
;dfof]hg
gf]S;fgL
Joj:yfx?;y
0 cfos/ P]g adf]lhd s/ bfloTj

lgwf{/)f ul/Psf]
:yug s/sf] Joj:yf
55
n]vfk/LIf0f gePsf] ljQLo glthf

cfly{s jif{ @)^&^* -rf}yf] q}df;_
qm=;+=
!=
!=!
!=@
!=#
!=$
!=%
!=^
!=&
@=
@=!
@=@
@=#
@=$
ljj/0f
s'n k'hL tyf bflotj -!=! b]lv !=& ;Dd_
r'Qmf k'hL
hu]8f tyf sf]ifx?
C0fkq tyf a08x?
;fk6L
lgIf]kx -sv_
s= :jb]zL d'b|fdf
v= cfos/ bfloTj
cGo bfloTjx?
cGo ;DklQx?
s'n ;DklQ -@=! b]lv @=& ;Dd_
gub tyf a}+s df}Hbft
dfu tyf cNk;"rgfdf k|fKt x'g] /sd
nufgL
shf{ tyf ;fk6
s= l/on :6]6 shf{
!= cfaZos l/on :6]6 shf{
@= Jofj;flos ejg tyf cfjfl;o ckf6{d]G6 lgdf{0f shf{
#= lgdf{0f ;DkGg eO cfo cfh{g ug{ yfn]sf] Joj;flos shf{
$= cGo l/on :6]6 shf{
@=%
@=^
@=&
#=
#=!
#=@
s=
#=#
#=$
#=%
v=
#=^
#=&
u=
#=*
3=
#=(
#=!)
=
#=!!
r=
#=!@
#=!#
5=
$=
$=!
$=@
$=#
$=$
$=%
56
v= 3/ shf{
u= dflh{g shf{
3= 6d{ nf]g
= cf]e/ 8fkm\6l6cf/ nf]g8An' l; nf]g
r= cGo
l:y/ ;DklQ
u}/ a}+ls ;DklQ
cGo ;DklQx?
gff gf]S;fg lx;fa
Aofh cfDbfgL
Aofh vr{
v'b Aofh cfDbfgL -#=!#=@_
L sldzg tyf l8:sfp06
cGo ;~rfng cfDbfgL
;6xL 36a9 cfDbfgL
s'n ;~rfng cfDbfgL -s#=##=$#=%_
sd{rf/L vr{
cGo ;~rfng vr{
;Defljt gf]S;fgL Joj:yf cl3sf] ;~rfng d'gff -v#=^#=&_
;Defljt gf]S;fgL Joj:yfx?
;~rfng d'gff -u#=*_
u}/ ;~rfng cfDbfgL-gf]S;fg_ -v'b_
;Defljt gf]S;fgL Joj:yfaf6 ltf{
lgoldt sf/f]af/x?af6 ePsf] d'gff-vr{_ -3#=(#=!)_
c;dfGo sf/f]af/x?af6 ePsf] d'gff-vr{_ -v'b_
af]g; tyf s/ cl3sf] d'gff -#=!!_
sd{rf/L af]g; Joj:yf
cfos/ Joj:yf
v'b gff-gf]S;fg_ -r#=!@#=!#_
cg'kftx? -_
k'hLsf]ifhf]lvd efl/t /sd
lgliqmo shf{s'n k'hf{
s'n shf{ jfkt hf]lvd Joj:yfs'n lgliqmo shf{
Net Interest Spread -$=^$=&_
CD ration (Calculated as per NRB Directives)_
o; jif{ -rf}yf]
q}df;df_ #@ cfiff9 @)^*
!^ h'nfO{ @)!!
21,75,73,78
1,61,35,21
67,68,79
35,00,00
18,29,96,28
16,94,50,32
1,35,45,96
81,73,50
21,75,73,78
2,77,45,92
5,00,00
3,05,16,09
15,38,94,72
3,46,61,41
48,48,59
1,40,50,28
75,40,89
82,21,64
57,71,84
14,95,69
2,66,63,42
6,78,71,22
1,74,31,15
35,23,38
13,93,66
o; jif{ -rf}yf] q}df;df_
2,23,33,33
1,50,38,51
72,94,82
6,77,96
6,95,15
6,31,28
92,99,20
15,76,62
16,92,94
60,29,64
1,36,22
58,93,41
8,74
7,86
59,10,01
23,48
59,33,49
5,39,41
16,18,23
37,75,86
o; jif{ -rf}yf] q}df;df_
13.21%
0.90%
136.58%
2.71%
80.21%
o; jif{ -t];|f] q}df;df_

#) r}q @)^&
!# clk|n @)!!
20,67,03,45
1,61,35,21
57,96,50
35,00,00
17,56,97,02
15,93,22,27
1,63,74,75
55,74,71
20,67,03,45
1,83,79,73
2,61,74,29
15,65,73,20
3,55,99,15
49,52,95
1,40,39,44
63,29,52
1,02,77,25
60,75,16
14,37,61
2,57,53,05
7,08,24,88
1,68,83,34
33,16,31
22,59,91
o; jif{ -t];|f] q}df;df_
1,63,36,85
1,09,75,30
53,61,56
5,21,23
4,94,69
4,32,36
68,09,83
11,42,71
11,27,77
45,39,36
1,68,60
43,70,75
6,54
8,99
43,86,28
19,33
44,05,61
4,00,51
12,01,53
28,03,57
o; jif{ -t]];|f] q}df;df_
13.23%
0.96%
128.48%
2.84%
87.09%
cg';"rL $=
?= xhf/df
ut jif{ -rf}yf] q}df;df_
#@ cfiff9 @)^&
!^ h'nfO{ @)!)
21,13,87,32
1,61,35,21
50,90,42
35,00,00
10,00,00
18,08,29,58
15,95,16,33
2,13,13,25
28,02
48,04,11
21,13,87,32
1,84,07,04
90,43,77
3,19,70,93
14,73,64,05
3,66,47,33
31,84,77
1,75,19,85
74,39,35
85,03,35
53,97,34
22,87,97
2,15,73,36
6,63,40,39
1,51,17,65
28,23,49
17,78,04
1,78,76,93
1,13,56,10
65,20,83
4,68,67
6,00,32
4,75,63
80,65,45
12,24,06
14,21,69
54,19,70
2,87,67
51,32,03
13,25
36,45
5,18,173
(43,66)
51,38,07
4,67,10
14,14,41
32,56,56
14.99%
0.12%
996.13%
2.69%
82.66%
PsLs[t jf;nft
#@ cfiff9 @)^* -!^ h'nfO{ @)!!_
k'hL / bfloTj
!=
@=
#=
$=
%=
^=
&=
*=
(=
o; jif{ ?=
z]o/ k'hL
hu]8f tyf sf]ifx
C0fkq tyf a08
ltg{ afsL shf{ ;fk6L
lgIf]k bfloTj
k|:tfljt tyf e'QmfgL lbg afsL nfef+z
cfos/ bfloTj -v'b_
cGo bfloTj
s'n k'hL / bfloTj
!,^(,$!,(^,%@%
!,^!,#%,@),%))
$@,)%,(!,)%#
@(,*^,^@,@#$
#%,)),)),)))
#%,)),)),)))
!),)),)),)))
!*,@#,($,(),(&% !*,)*,@(,%&,(**
#),@!,)),)#(
%@,^@,()@
!&,$),(*,*^@
@),(&,%&,^^%
$!,^*,*#!
@*,)!,%&*
#!,^$,(%,*)%
@*,(!,#*,(#%
@!,%),!!,$@,)() @),(%,@!,)!,*)@
;DklQ
!=
@=
#=
$=
%=
^=
&=
*=
(=
o; jif{ ?=
gub df}Hbft
a}+sljQLo ;+:yfdf /x]sf] df}Hbft
dfu tyf cNk ;"rgfdf k|fKt x'g] /sd
nufgL
shf{, ;fk6 tyf lan vl/b
l:y/ ;DklQ
u}/ a}ls ;DklQ -v'b_
cGo ;DklQ
s'n ;DklQ
ut jif{ ?=
#%,^^,^(,@#^
@$,$@,)%,)(!
!,*^,^$,(),&)&
!,@!,(&,!^,&!^
%%,^(,$),@&*
#&,^&,*@,$#@
%,)),)),)))
(),$#,&&,)*^
@,(&,!$,@!,&^& #,!*,^(,)%,*($
!%,!(,(*,$&,()% !$,%^,)!,)(,%**
#%,&%,$^,@*)
@*,@#,$(,!@^
!$,@@,@%,(!&
!&,&^,%%,*^(
@!,%),!!,$@,)() @),(%,@!,)!,*)@
lko"if /fh cof{n
;'dg hf]zL
/fh]Gb| s'df/ v]tfg
k|d'v ljQ tyf sf]if
cWoIf

sf7df8f}+
ut jif{ ?=
ef]nf afa' clwsf/L

rGb| k|sfz v]tfg
uf]kL s[i0f lzsl/of
hLjg/fh s8]n
/tg nfn ;+3O{
Clif/fd uf}td
zDe' k|;fb cfrfo{
;~rfnsx
zzL ;Tofn
k|f]k|fO6/
lgldQ
zzL ;Tofn P08 sDkgL
rf6{8{ Psfp06]06;\
57
PsLs[t gffgf]S;fg lx;fa
ljj/0f
!= Aofh cfDbfgL
@= Aofh vr{
v'b Aofh cfDbfgL
#= sldzg tyf l8:sfp06
$= cGo ;~rfng cfDbfgL
%= ;6xL 36a9 cfDbfgL
s'n ;~rfng cfDbfgL
^= sd{rf/L vr{
&= cGo ;~rfng vr{
*= ;6xL 36a9 gf]S;fg
;Defljt gf]S;fgL Joj:yf cl3sf] ;~rfng d'gfkmf
(= ;Defljt gf]S;fgL Joj:yfx?
;~rfng d'gfkmf
!)= u}/ ;~rfng cfDbfgL-gf]S;fg_
!!= ;Defljt gf]S;fgL Joj:yfaf6 lkmtf{
lgoldt sf/f]jf/af6 ePsf] d'gfkmf
!@= c;fdfGo sf/f]jf/x?af6 ePsf] d'gfkmf-vr{_
;Dk"0f{ sf/f]jf/ ;dfj]z kl5sf] v'b d'gfkmf
!#= sd{rf/L af]g; Joj:yf
!$= cfos/ Joj:yf
o; jif{sf]
ut jif{sf]
v'b gfkmf-gf]S;fg_
o; jif{ ?=
2,23,68,77,702
1,50,26,39,225
73,42,38,477
6,78,52,136
6,95,14,877
6,31,27,874
93,47,33,364
15,83,85,935
17,10,84,847
60,52,62,582
1,36,34,832
59,16,27,750
8,73,687
7,98,406
59,32,99,843
23,48,347
59,56,48,190
5,41,49,835
16,19,29,162
28,65,487
37,67,03,706
lko"if /fh cof{n
;'dg hf]zL
/fh]Gb|s'df/ v]tfg
k|d'v ljQ tyf sf]if
cWoIf

sf7df8f}+
58
ef]nf afa' clwsf/L

rGb| k|sfz v]tfg
uf]kL s[i0f lzsl/of
hLjg/fh s8]n
/tg nfn ;+3O{
Clif/fd uf}td
zDe' k|;fb cfrfo{
;~rfnsx
ut jif{ ?=
1,78,76,92,540
1,13,56,09,890
65,20,82,650
4,68,66,912
6,00,31,631
4,75,63,308
80,65,44,501
12,24,05,630
14,22,44,338
54,18,94,533
2,87,66,525
51,31,28,008
13,25,486
36,44,550
51,80,98,044
-43,66,416_
51,37,31,628
4,67,09,703
14,14,41,317
-13,81,327_
32,69,61,935
zzL ;Tofn
k|f]k|fO6/
zzL ;Tofn P08 sDkgL
rf6{8{ Psfp06]06;\
PsLs[t gffgf]S;fg af8f8 lx;fa
ljj/0f
cfDbfgL
!= ut jif{;Ddsf] ;l~rt d'gfkmf
@= o; jif{sf] d'gfkmf
#= ;6xL 36a9 sf]if
$= k'hL ;dfof]hg sf]ifaf6 /sdfGt/
%= ;l~rt d'gffdf ;dfof]hg
hDdf
vr{
!= ut jif{;Ddsf] ;l~rt gf]S;fg
@= o; jif{sf] gf]S;fg
#= ;fwf/0f hu]8f sf]if
$= e}k/L cfpg] hu]8f
%= ;+:yf ljsf; sf]if
^= nfef+z ;dLs/0f sf]if
&= sd{rf/L ;DaGwL hu]8fx
*= k|:tfljt nfef+z
(= k|:tfljt af]g; z]o/
!)= ljz]if hu]8f sf]if
!!= ;6xL 36a9 sf]if
!@= k'hL lkmtf{ hu]8f sf]if
!#= k'hL ;dfof]hg sf]if
!$= nufgL ;dfof]hg sf]if
!%= ;dfof]hg
:yug s/ bfloTj
:yug s/ sf]if
hDdf
!^= ;l~rt d'gff-gf]S;fg_
lko"if /fh cof{n
;'dg hf]zL
/fh]Gb|s'df/ v]tfg
k|d'v ljQ tyf sf]if
cWoIf

sf7df8f}+
ef]nf afa' clwsf/L

rGb| k|sfz v]tfg
uf]kL s[i0f lzsl/of
hLjg/fh s8]n
/tg nfn ;+3O{
Clif/fd uf}td
zDe' k|;fb cfrfo{
;~rfnsx
o; jif{ ?=
ut jif{ ?=
!,^*,($,#&*
#&,^&,)#,&)%
#(,#%,(*,)*#
@,!!,(&,*%*
#@,^(,^!,(#%
!,(@,)*(
#$,*#,%!,**!
&,%),@(,)!(
!&,$),(*,*^@
*,)^,&^,)@%
!&,!^,@!)
%,)),)),)))
!*,((,%#)
-@%,)^,$(%_
#*,)(,!#,!%!
!,@^,*$,(#@
^,%$,)&,$)*
@),(&,%&,^^%
##,&),$#&
%,)),)),)))
!%,$),^^&
!#,*!,#@&
##,!$,%&,%)$
!,^*,($,#&*
zzL ;Tofn
k|f]k|fO6/
lgldQ
zzL ;Tofn P08 sDkgL
rf6{8{ Psfp06]06;\
59
PsLs[t gub k|jfx ljj/0f

ljj/0f
-s_ sf/f]jf/ ;~rfngaf6 gub k|jfx
!= gub k|flKt
!=! Aofh cfDbfgL
!=@ sldzg tyf l8:sfp06 cfDbfgL
!=# ljb]zL ljlgdo sf/f]jf/af6 cfDbfgL
!=$ ckn]lvt shf{sf] c;"nL
!=% cGo cfDbfgL
@= gub e'QmfgL
@=! Aofh vr{
@=@ sd{rf/L vr{
@=# sfof{no ;~rfng vr{
@=$ cfos/ e'QmfgL
@=% cGo vr{
sfo{ut k'hL -Working Capital_ ultljlw cl3sf] gub k|jfx
;~rfng ;DalGw rfn' ;DklQdf sdL-j[l4_
!= dfu tyf cNk;"rgfdf k|fKt x'g] /sddf sdL-j[l4_
@= cGo cNksfnLg nufgLdf sdL-j[l4_
#= shf{ tyf lan v/Lbdf sdL-jl[4_
$= cGo ;DklQdf sdL-j[l4_
;~rfng ;DalGw rfn' bfloTjdf -sdL_j[l4
!= lgIf]k bfloTjdf -sdL_j[l4
@= ;l6{lkms]6 ckm l8kf]lh6df -sdL_j[l4
#= cNksfnLg ;fk6Ldf -sdL_j[l4
$= cGo bfloTjdf -sdL_j[l4
-v_
nufgL sf/f]jf/af6 gub k|jfx
!= bL3{sfnLg nufgLdf sdL-j[l4_
@= :yL/ ;DklQdf sdL-j[l4_
#= bL3{sfnLg nufgLdf Aofh cfDbfgL
$= nfef+z cfDbfgL
%= cGo
-u_ ljQLo sf/f]jf/af6 gub k|jfx
!= bL3{sfnLg C0f -a08, l8j]Gr/ cflb_ df j[l4-sdL_
@= z]o/ k'hL tyf z]o/ lk|ldoddf j[l4-sdL_
#= cGo bfloTjdf j[l4-sdL_
$= g]kfn /fi6 a}+saf6 k|fKt ;x'lnotk"g/shf{df j[l4-sdL_
-3_ gub tyf a}+s df}Hbftsf] ljlgdo b/df ePsf] km/saf6 cfDbfgL -vr{_
-_ o; jif{sf] ;Dk"0f{ ultljlwaf6 gub k|jfx
-r_ gub tyf a}+sdf /x]sf] z'? df}Hbft
-5_ gub tyf a}+sdf /x]sf] clGtd df}Hbft
60
o; jif{ ?=
ut jif{ ?=
1,15,01,15,110
(37,49,70,993)
2,50,61,63,221 1,88,80,43,224
2,29,25,80,706 1,72,88,15,089
7,96,91,496
4,83,10,617
6,31,27,874
4,75,63,308
8,07,000
32,58,695
6,99,56,145
6,00,95,515
2,00,01,44,957 1,45,61,87,297
1,51,38,32,927 1,05,97,88,935
20,50,95,639
14,90,01,140
12,16,10,418
10,37,56,205
15,96,05,973
14,36,41,018
50,60,18,264
43,18,55,927
42,36,37,900 (2,49,92,78,455)
85,43,77,086 (49,86,77,086)
24,69,84,127
(70,37,54,733)
(65,30,66,943) (1,28,07,54,083)
(2,46,56,370)
(1,60,92,553)
22,04,58,945
1,69,24,51,536
21,66,69,632 2,03,16,54,892
(10,00,00,000) (35,00,00,000)
10,37,89,313
1,07,96,644
(15,05,82,482)
(6,87,42,446)
(3,15,00,000)
(11,90,82,482)
(6,89,74,244)
2,31,799
8,06,76,025
45,16,39,954
8,06,76,025
45,16,39,954
1,08,02,08,653
79,26,516
1,84,07,04,239
1,83,27,77,723
2,92,09,12,892 1,84,07,04,239
61
-17,40,98,862_
k|:tfljt af]g; z]o/
gub nfef+;
;6xL 36a9 sf]if
clGtd df}Hbft
k|m]l;jgn af]g; z]o/ Sof/L cf]e/
1,69,41,96,525
1,26,84,932
-25,06,495_
:yug s/ sf]i
-5,00,00,000_
-18,99,530_
-17,16,210_
-8,06,76,025_
nufgL yk#^ sf]i
z]o/ lk|ldod
l*j]Gr/ ltf{ sf]i
8,06,76,025
k"hL ;dfof]h sf]k
-7,50,29,019_
37,67,03,705
23,00,25,003
7,50,29,019
1,68,94,378 15,49,95,984
;fw/0f hu]8f sf]if
af]g; z]o/ tyf xsk|b z]o/ sn]S;g
;fwf/0f hu]8f
sf]if
1,68,94,378 15,49,95,984
;l~rt gff
-gf]S;fg_
1,61,35,20,500
1,61,35,20,500
z]o/ k'hL
o; jif{sf] v'b gfkmf
s'n df}Hbft
;l~rt d'gffdf ;dfof]hg
;dfof]hg M
z'? df}Hbft
ljj/0f
34,40,197
18,99,530
15,40,667
15,40,667
nufgL
;dfof]hg
sf]if
1,30,71,581
1,30,71,581
1,30,71,581
z]o/
lk|ldod
-cf= j= @)^&^*_
l8j]Gr/ ltf{
sf]if
25,06,495
25,06,495
:yug s/
sf]if
-0_
-25,06,495_
5,00,00,000
1,13,69,339 15,00,00,000
17,16,210
96,53,130 10,00,00,000
96,53,130 10,00,00,000
;6xL 36a9
sf]if
PsLs[t OSjL6Ldf ePsf] kl/jt{g ;DalGw ljj/0f
cGo
;l~rt tyf
sf]if
2,11,47,87,578
8,06,76,025
-17,40,98,862_
-8,06,76,025_
37,67,03,705
1,91,21,82,735
1,91,21,82,735
s'n /sd
?k}ofdf
PsLs[t n]vf ;DjGwL dxTk"0f{ gLlt tyf l6Kk0fLx?M

!=
;fdfGo hfgsf/LM
s_
k|ltj]bg a'emfpg] ;+:yf M

nIdL a}+s lnld6]8 g]kfnsf] Ps l;ldt bfloTj ePsf] sDkgL xf] . o;sf] /lhi68{ sfof{nosf] 7]ufgf xflQ;f/, sf7df08f+},
g]kfn /x]sf] 5 . o; a}+ssf] z]o/x? g]kfn :6s PS;r]~h lnld6]8df ;"lrs[t ul/Psf] 5 . nIdL a}+sn] g]kfndf jfl0fHo
a}+ls Joj;fo ;~rfng ul//x]sf] 5 .
v_
PsLs[t ljQLo ljj/0f M

cfiff9 #@, @)^* ;Ddsf] a}+ssf] PsLs[t ljQLo ljj/0fdf a}+s tyf a}+ssf] ;xfos sDkgLsf] ljQLo ljj/0f ;dfj]z ul/Psf]
5 . ;xfos sDkgLsf] cfly{s jif{ klg d'Vo sDkgLsf] cfly{s jif{ h:t} ;dfg /x]sf] 5 . ;xfos sDkgLn] o; jif{ g]kfn
lwtf]kq jf]8{af6 cg'dtL k|fKt u/L dr]{G6 a}+ls Joj;fo ub}{ cfPsf] 5 .
of] ljQLo ljj/0f hf/L ug{ ;~rfns ;ldltaf6 cg'dlt k|fKt ePsf] 5 .
@=
cg'kfng ;DaGwL k|ltj4tfM

;d"xsf] PsLs[t ljQLo ljj/0f tyf a}+ssf] 5'} ljQLo ljj/0fx? g]kfn n]vfdfg jf]8{n] hf/L u/]sf] g]kfn n]vfdfg, n]vfsf
;j{dfGo l;4fGt, a}+s tyf ljQLo ;+:yf ;DaGwL P]g, g]kfn /fi6 a}+ssf] lgb]{lzsf cg';f/sf] k|:t'tL tyf cjZostf / sDkgL
P]g cg'?k tof/ kfl/Psf] 5 .
#=
$=
ljj/0f PsLs[t ug]{ cfwf/M

of] ;d"xsf] PsLs[t ljQLo ljj/0f df a}+ssf] / a}+ssf] ;xfos sDkgL nIdL Soflk6n dfs]{6 lnld6]8sf] ljQLo ljj/0fx?
PsLs[t ul/Psf] 5 .
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ha s'g}klg lgsfosf] k|ToIf jf ck|ToIf ?kdf cfly{s tyf ;~rfng gLlt nfu' ug{ ;Sg] clwsf/ a}+s;+u ljBdfg /x]sf]
cj:yfb]lv To:tf] clwsf/ ;dfKt geP;Dd /xG5 .
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bfloTj, h]yf, cfDbfgL tyf vr{x? hf]8L ;+of]hg ul/Psf] 5 .
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nfexfgLnfO{ PsLs[t ljQLo ljj/0f tof/ ubf{ k"0f{ ?kdf x6fO{Psf 5g\ .
ljut jif{sf tYof+sx?M
ljut jif{sf tYof+sx?nfO{ t'ngf ug{ ;xh x'g] lsl;daf6 ;d"x jf pk;d"x agfOPsf] 5 .
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/x]sf] 5M
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cg';"rL @$ adf]lhd x|f; vr{ 36fO{ 5'} b]vfO{Psf]
vr{ n]lvPsf] pks/0f / kmlg{r/ 5'} b]vfOPsf]
62
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?=@*,^%,$*^ o; aif{sf] Plss[t gfkmf gf]Szfg lx;fj cGtu{t :yug s/ vr{df b]vfOPsf] 5 .
63
DISCLOSURE AS PER BASEL II

1. Capital structure and capital adequacy
Tier 1 capital and a breakdown of its components;

Particulars
Paid up Equity Share Capital
Proposed Bonus Share
Statutory General Reserves
80,676
230,025
11,274
Share Premium
13,072
Core Capital
150,000
2,098,567
Tier 2 capital and a breakdown of its components;

Particulars
In NPR 000
Subordinated Term Debt (8.5% Laxmi Bank Debenture,

2072) (net of Redemption Reserve of NPR 150 mio)
200,000
General loan loss provision
152,938
Exchange Equalization Reserve
11,369
Investment Adjustment Reserves
3,440
Supplementary Capital
1,613,520
Retained Earnings
Debenture Redemption Reserve
In NPR 000
367,747
Detailed information about the Subordinated Term Debts with information on the outstanding
amount, maturity, amount raised during the year and amount eligible to be reckoned as capital
funds.
8.5% Laxmi Bank Debenture, 2072
-
64
Outstanding Amount
Maturity
Amount raised during the year
Amount eligible for Tier 2 capital fund
(net of Redemption Reserve)
NPR 350 Million

24 November 2015
NPR 350 Million
NPR 200 Million
Deductions from capital;

Particulars
In NPR 000
Investment in equity in licensed Financial Institutions
9,740
Investment in equity of institutions with financial

interests
126,082
Investments arising out of underwriting commitments
447
Total
136,269
Total qualifying capital;

Particulars
Tier 1 Capital
2,098,567
Tier 2 Capital
367,747
Deductions
(136,269)
Total Qualifying Capital (Total Capital Fund)
2,330,045
Capital Adequacy Ratio;

-
In NPR 000
11.63%
Summary of the banks internal approach to assess the adequacy of its capital to support current
and future activities, if applicable;
The banks capital management strategy is designed to maximize shareholders value. The bank is
adequately capitalized not only to comply with individual capital ratios prescribed by Nepal Rastra
Bank but also to fund growth of our assets and operations, absorb potential losses and maintain the
confidence of all the stakeholders.
Summary of the terms, conditions and main features of all capital instruments, especially in case
of subordinated term debts including hybrid capital instruments.
Main features of the Subordinated debt 8.5% Laxmi Bank Debenture 2072:
Name
Laxmi Bank Debenture 2072
Amount
NPR 350,000,000.00 (Three Hundred Fifty Million Only)
Interest Rate
8.5% per annum (before tax) payable half yearly
Type
Unsecured and Redeemable at Maturity. No call / convertible

feature
No. of Debentures
350,000 (Three Hundred and Fifty Thousand Only)
Face Value
NPR 1,000.00
65
Maturity Period
7 Years
Priority
to At the time of liquidation, priority of payment to the debenture
Debenture Holders holders will be after the depositors
Listing
Listed with Nepal Stock Exchange
2. Risk exposures
Risk weighted exposures for Credit Risk, Market Risk and Operational Risk;
Particulars
In NPR 000
Risk weighted exposures for Credit Risk
18,747,444
Risk weighted exposures for Operational Risk
868,463
Risk weighted exposures for Market Risk
26,101
2% Additional RWE under supervisory review
392,840
Total Risk Weighted Exposures
Risk Weighted Exposures under each of 11 categories of Credit Risk;

Particulars
In NPR 000
a)
Claims on government & central bank
b)
Claims on other official entities
136,526
c)
Claims on banks
862,607
d)
Claims on corporate & securities firms
e)
Claims on regulatory retail portfolio
f)
Claims secured by residential properties
1,461,907
g)
Claims secured by commercial real state
2,825,028
h)
Past due claims
342,423
i)
High risk claims
617,634
j)
Other assets
472,219
k)
Off balance sheet items

Total
66
20,034,848
8,890,118
434,425
2,704,557
18,747,444
Total Risk Weighted Exposure calculation table;

Particulars
In NPR 000
Risk weighted exposures for Credit Risk
18,747,444
Risk weighted exposures for Operational Risk
868,463
Risk weighted exposures for Market Risk
26,101
2% Additional RWE under supervisory review
392,840
Total Risk Weighted Exposures
20,034,848
Total Capital Fund
2,330,045
Total Capital to Total Risk Weighted Exposures
11.63%
Amount of NPAs (both Gross and Net) (in NPR 000)

o
Restructured/ Rescheduled Loan

Gross
NPR 112,538
Net
NPR 98,282
Substandard Loan
Gross
NPR 9,925
Net
NPR 7,444
Doubtful Loan
Gross
NPR 3,193
Net
NPR 1,596
Loss Loan
Gross
Net
NPR 13,182
NIL
NPA ratios
o
Gross NPA to gross advances

0.90%
Net NPA to net advances

0.71%
Movement of Non Performing Assets

Amount in NPR 000
Particulars
Previous Year
Net Addition/ (reduction)

during the year
Balance at the end of

the Year
Restructured
101,121
11,416
112,538
Substandard
2,125
7,801
9,925
Doubtful
2,344
849
3,194
Loss
13,347
(164)
13,182
Total
118,937
19,902
138,839
Write off of Loans and Interest Suspense (in NPR 000)
67

Loan written off

Interest written off
Movements in Loan Loss Provisions and Interest Suspense

Particulars
Amount in NPR 000

Balance at the end
of the Year
Previous
Year
Addition/
(reduction) during
the year
loss
176,296
13,329
189,625
Interest Suspense
29,252
10,862
40,114
Loan
provision
NIL
NIL
Details of additional Loan Loss Provisions (in NPR 000)

Additional Loan loss provision
NPR 678
(Includes loan loss provision in excess of the regulatory requirement)
Segregation of Investment portfolio into Held for trading, Held to maturity and Available for
sale category
Presented in the Financial Statement schedule 4.12.1, 4.12.2 and 4.12.3
3. Risk Management Function

Risk Management Objectives and Policies
Laxmi Banks objective to risk management goes beyond mitigation and control. We believe that our risk
management approach is a Strategic Differentiator and a key driver for our sustained and quality growth.
Our approach to risk managements is built around:
-
formal governance processes that is constantly reviewed and updated
top level commitment & development of risk framework through close alignment of risk
capabilities to business objectives
ensuring that responsibility for risk resides at all levels from the Board down through all
individual employees
continuous research and development of new and improved risk management processes and tools
supported by effective Management Information Systems
all businesses are accountable for managing risk in their own area, assisted, where appropriate, by
independent risk specialists
by embedding this approach to measure and understand key risks to ensure the viability of all
processes and transactions
In the past years we have continued to make significant progress in enhancing our risk management
capabilities including measuring and monitoring of risk activities that we undertake in our normal course
of business.
68
Risk Management Framework and Organization

The Board sets out the risk appetite and philosophy for the Bank, which is supported by various Board /
Management level Executive Committees who are primarily responsible for ensuring that the risk
standards are maintained as per the agreed parameters. The Banks Internal Audit functions independent
of management influence and reports to the Audit Committee. The Chief Risk Officer has a role of
overviewing risk standards of the bank and balancing the growing business of the Bank remaining fully
compliant to the legal and regulatory guidelines. As part of prudent banking practices, Laxmi Bank has
other senior executives in the role of risk managers who work independent of any business targets. The
Credit Risk Department, Credit Risk Control Unit and Compliance and Assurance Department are
especially responsible in management of risk in their respective areas.
Credit Risk
Laxmi Bank - Credit Policy Guide is the highest level policy document and it reflects long-term
expectations and represents a key element of uniform, constructive and risk-aware culture throughout the
Bank. This credit policy defines acceptable risk parameters and is periodically reviewed to account for
changing operating environment and industry behavior.
Laxmi Bank identifies, assesses and manages the probability of default by borrowing clients through a
number of proactive risk management techniques and tools under a broad risk framework.
Board level committee comprising of non-executive board members and senior management further
reviews credit portfolio and industry concentration aspects regularly and make decisions / strategies based
on the need of the hour.
Credit Approval Process
The Bank has standard procedures for Credit Approval for both retail and corporate credit proposals that
ensure that appropriate resources and tools are employed for the type of credit assessment required.
Post Disbursal Review and Monitoring
The Bank has standard procedures for credit review and monitoring systems, which is documented in
Credit Policy Guide and other Risk Management Guidelines. The policy stipulates the frequency and
procedures for credit review and monitoring
Distribution of Risk Assets by Industry sector / Concentration Risk
It is Laxmi Banks policy to ensure that the Banks exposure on any particular sector/industry does not
exceed a predefined cap of the total portfolio. The Bank has adopted the NAICS codes to analyse our
exposure on sectors. Industry analyses help us monitor industries at risk and make strategic decisions
based on such reviews.
69
Market Risk
The banks foreign exchange risk stems from foreign exchange position taking and commercial dealing.
All foreign exchange positions are managed by the Treasury. Fluctuation in foreign exchange rates can
have a significant impact on a Bank's financial position. Laxmi Bank has adopted measures to
appropriately hedge the risks that arise while carrying out international trade transactions. Code of ethics
for treasury dealers is in place to ensure that professionalism and confidentiality are maintained and
ethical dealing practices observed. Our treasury dealers have gained exposure to international markets as
well in addition to having undergone appropriate trainings. The Bank has followed the structure of a
Treasury back office independent of Treasury dealing room functions.
Operational Risk
Operational risk is inherent in all business activities. Whilst risks can never be eliminated, at Laxmi Bank
we follow a number of procedures and practices like Business Continuity Plan, Whistle Blowing A
Culture of Speaking Up to manage and mitigate preserve and create value of our business.
We manage our operational risks through standardization of internal processes and monitoring
mechanisms. Data security, dual control, periodic departmental reviews are some of the tools that are used
to manage risks.
Compliance and Assurance / Operations Risk Unit
Recognizing the importance of Operations Risk in terms of managing day-to-day business, we have a full
fledged compliance and assurance team that reports to Chief Risk Officer.
Types of eligible credit risk mitigants used and the benefits availed under CRM.
o
70
Credit risk mitigants used are deposits and cash margin held with own bank and deposits
held with other banks and financial institutions.
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74

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kf]v/f, sf:sL, f]g g+= )^!%##%*), %$)!%#
xflQ;f/, sf7df8f}+, f]g g+= )!$$$$^*$^*%
lj/f6gu/, df]/, f]g g+= )@!%#*$)!, %#*$)@
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gf/fo0fu9, lrtjg, f]g g+= )%^%&!&@^, %&!(&#
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kf]v/f cfBf}lus If]q, sf:sL, f]g g+= )^!%$!&*#, %@@*&*
Go"/f]8, sf7df8f}+, f]g g+= )!$@###)(#!), $@##^$&$*
efg'rf]s, hgsk'/, f]g g+= )$!%@&$(^
gof afg]Zj/, sf7df8f}+, f]g g+= )!$&*%#)^#)&#)*
bds, emfkf, f]g g+= )@#%*%@)&
ef6 e6]gL, sf7df8f}+, f]g g+= )!$$$@)($, $$$@)&%, $$$@)(%
O6x/Lrf]s, ;'g;/L, f]g g+= )@%%*&)@!
dxf/fhu~h, sf7df8f}+, f]g g+= )!$)!^))@, $)!^)**
cfjf/f]8, e}/xjf, ?kGb]xL, f]g g+= )&!%@#$^!, %@#$^@
nugv]n, nlntk'/, f]g g+= )!%%$*#&%, %%$*#&^
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;'s]wf/f, sf7df8f}+, f]g g+= )!$#&@*%), $#&@(@!
tf}lnxjf, slknj:t', f]g g+= )&^%^!!$^
w/fg, ;'g;/L, f]g g+= )@%%##()^, %##()&
PsfGts'gf, nlntk'/, f]g g+= )!%)))%#@
rl/sf]6, bf]nvf, f]g g+= )$($@!(!$
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efg'ky, Onfd f]g g+= )@&%@!&(#
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k|j]zkq
z]o/wgLsf] gfdM ========================================================================================= z]o/wgL g+= ============================
z]o/ k|df0fkq g+= =============================================
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z]o/wgLsf] b:tvtM ============================================

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dxfzo,
ljifoM k|ltlglw lgo'Qm u/]sf] af/] .
================================================= lhNnf ============================================ g=kf=uf=lj=;= j8f g+= =================== a:g]

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x}l;otn] ldlt @)^* kf}if @* ut] ljxLaf/sf lbg x'g] nIdL a}+s lnld6]8sf] P3f/f}+ jflif{s ;fwf/0f ;efdf :jo+ pkl:yt eO{ 5nn
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a}s
+ sf z]o/wgL >L =================================================================================================================================== nfO{
d]/f]xfd|f] k|ltlglw dgf]lgt u/L k7fPsf] 5'5f}+ .
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75

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