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3.1 gvwmK g~j¨ùxwZi cwieZ©‡bi nvi 21 3.2 evwl©K Mo wfwËK †fv³vg~j¨ m~P‡K wbYx©Z g~j¨ùxwZ (wfwË t A_©eQi 96=100) 22 3.3 AvšÍR©vwZK evRv‡i cÖavb cY¨mg~‡ni g~j¨ cwieZ©b 23 3.4 Gwkqvi †`k¸‡jvi g~j¨ùxwZi aviv 26

3.5 RvZxq ch©vq †fv³v Szwoi Dc-LvZ wfwËK evwl©K Mo wmwcAvB (wfwË t A_©eQi 1995-96=100) 27 3.6 LvZwfwËK gRywi nvi m~P‡Ki MwZaviv (wfwË t A_©eQi 70=100) 27 3.7 wek¦ g~j¨ùxwZ cwiw¯’wZ 28

4.1 gy`ªv I FY cwiw¯’wZ 32 4.2 wiRvf© gy`ªv cwiw¯’wZ 34 4.3 gy`ªvi Avq MwZ 34 4.4 e¨vsK FY - A_©eQi 11-Gi ˆÎgvwmK cwiw¯’wZ 36 4.5 e¨vsK AvgvbZ - A_©eQi 11-Gi ˆÎgvwmK cwiw¯’wZ 36 4.6 Zdwmwj e¨vsK¸‡jvi fvixZ Mo my‡ì nvi 37

5.1 e¨vsK eë¯’vi KvVv‡gv 39 5.2 e¨vs‡Ki cÖK…wZ †f‡` g~jab I SzuwK fvixZ m¤ú‡ì AbycvZ 41 5.3 e¨vs‡Ki †kªYx‡f‡` †kªYxweb¨vwmZ F‡Yi Ae¯’v 41 5.3 (K) e¨vs‡Ki †kªYx‡f‡` bxU †kªYxweb¨vwmZ F‡Yi Ae¯’v 42 5.4 cÖ‡qvRbxq I msiw¶Z cÖwfkb - mKj e¨vsK 42 5.5 cÖwfkb ch©vßZv nv‡ii Zzjbvg~jK wPÎ 43 5.6 AvgvbZ I F‡Yi Ici fvixZ Mo my‡ì nvi 44 5.7 e¨vs‡Ki †kªYx‡f‡` Ae‡jvcbK…Z F‡Yi cwigvY 44 5.8 e¨vs‡Ki †kªYx‡f‡` e¨q-Avq AbycvZ 45 5.9 e¨vs‡Ki †kªYx‡f‡` gybvdv AR©‡bi nvi 46 5.10 e¨vs‡Ki †kªYx‡f‡` bxU my` Avq 46 5.11 e¨vs‡Ki †kªYx‡f‡` Zvi‡jï nvi 47 5.12 Bmjvgx e¨vswKs Lv‡Zi Zzjbvg~jK wPÎ 48 5.13 K‡c©v‡iU mvgvwRK `vqe×Zv (wmGmAvi) Lv‡Z 2007 n‡Z 2010 ch©š— e¨q 54

xviii

m~wPcÎ

mviYxmg~n c„ôv

6.1 Avw_©K cÖwZôvbmg~‡ni KvVv‡gv 606.2 Avw_©K cÖwZôvbmg~‡ni m¤ú`, `vq I AvgvbZ 616.3 †gvU FY/jxR Ges †kÖYxK…Z FY/jxR 626.4 Avw_©K cÖwZôvbmg~‡ni gybvdv AR©‡bi nvi 63

7.1 Kj gvwb gv‡K©‡Ui †jb‡`‡bi cwigvY I fvixZ Mo my‡ì nvi 667.2 cybt� q Pzw³ wbjvg - A_©eQi 11 67

7.3 wecixZ cybt� q Pzw³ wbjvg - A_©eQi 11 687.4 evsjv‡`k e¨vsK wej - A_©eQi 11 687.5 miKvwi †UªRvix we‡ji wbjvg - A_©eQi 11 697.6 evsjv‡`k Mfb©‡g›U †UªRvix e‡Ûi wbjvg - A_©eQi 11 70

7.7 evsjv‡`k Mfb©‡g›U BmjvwgK Bb‡f÷‡g›U eÛ 70 7.8 e¨vsK I Avw_©K cÖwZôvb¸‡jvi †gqvw` wkí FY 70

7.9 XvKv ÷K G·‡PÄ (wWGmB) Gi Kvh©� g 72 7.10 PÆMÖvg ÷K G·‡PÄ (wmGmB) Gi Kvh©� g 72 7.11 A_©‰bwZK D‡Ï‡kï cÖKvi‡f‡` Zdwmwj e¨vsK¸‡jvi AvMvg 75 7.12 e¨vsK I Avw_©K cÖwZôvb¸‡jvi †gqvw` wkí FY 75 7.13 M„nvqb Lv‡Z F‡Yi w¯’wZ 80

8.1 K…wl FY weZiY I Av`v‡qi Zzjbvg~jK weeiYx 828.2 K…wl FY`vZv cÖwZôv‡bi Kvh©� g - A_©eQi 11 85

8.3 K…wl F‡Yi wecix‡Z evsjv‡`k e¨vs‡Ki cybtA_©vqb 88 8.4 MÖvgxY e¨vsK Ges e„nr GbwRI‡ì ¶z`ªFY Kvh©� g 90

9.1 miKv‡ii ivR¯^ Avq I e¨q 929.2 LvZ wfwËK ivR¯^ Av`vq 939.3 ivR¯^ e¨‡qi aviv 959.4 mvgvwRK Lv‡Z e¨‡qi aviv 969.5 evwl©K Dbœqb Kg©m~wP‡Z wewfbœ Lv‡Zi Ask 96

10.1 ißvwb KvVv‡gv 106 10.2 Avg`vwb KvVv‡gv 108 10.3 evsjv‡`‡ki evwYR¨ kZ© (wfwË t A_©eQi 96=100) 109 10.4 ê‡`wkK mvnvh¨ cÖvwß Ges `vq cwi‡kva 113 10.5 evsjv‡`k e¨vs‡Ki †gvU ê‡`wkK gy`ªv gRy` 114 10.6 Gwkqvb wK¬qvwis BDwbq‡bi AvIZvaxb evsjv‡`‡ki cÖvwß I cwi‡kva 116 10.7 AvBGgGd †_‡K cÖvß myweavwì wecix‡Z e‡Kqv `v‡qi w¯’wZ 116

11.1 †c‡g›U wm‡÷gm& Gi Rb¨ ÔÔ÷ªv‡UwRK cøvb 2010-2014Ó 122

xix

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mviYxmg~n c„ôv

12.1 A_©eQi 11-G wewewUGÕ‡Z AbywôZ wewfbœ ai‡bi cÖwk¶Y †Kvm©, Kg©kvjv I †mwgbvi Gi weeiYx 133

13.1 Av‡qi Drm mg~n 138 13.2 e¨vs‡Ki e¨q 139

PvU©mg~n1.1 Af¨šÍixY mÂq I wewb‡qvM 61.2 RvZxq ch©v‡q wmwcAvB g~j¨ùxwZ 6

1.3 Avw_©K m¤ú` 6 1.4 e¨vcK gy`ªvi (M2) Drm 6

1.5 ivR¯^ Avq, ivR¯^^ e¨q, ivR¯^ DØ„Ë Ges mvwe©K ev‡RU NvUwZ 71.6 ev‡RU NvUwZ A_©vqb 71.7 ißvwb I Avg`vwb cÖe„w× 81.8 wbqvi, wiqvi Ges UvKv-Wjvi wewbgq nvi 81.9 wbqvi, wiqvi Ges UvKv-Wjvi wewbgq nvi Gi mv¤cÖwZK MwZaviv 8

2.1 evsjv‡`‡ki cÖK…Z wRwWwcÕi cÖe„w× 14 2.2 Af¨šÍixY mÂq 19 2.3 Af¨šÍixY wewb‡qvM 19

3.1 RvZxq ch©v‡q wmwcAvB wfwËK g~j¨ùxwZ (12-gvm Mo wfwËK, wfwË t A_©eQi 96=100) 213.2 gvwmK g~j¨ùxwZi cwieZ©‡bi nvi 22

3.3 MÖvgxY ch©v‡q wmwcAvB wfwËK g~j¨ùxwZ (12-gvm Mo wfwËK, wfwË t A_©eQi 96=100) 233.4 kni ch©v‡q wmwcAvB wfwËK g~j¨ùxwZ (12-gvm Mo wfwËK, wfwË t A_©eQi 96=100) 23

3.5 AvšÍR©vwZK evRv‡i cY¨ g~‡j¨i cwieZ©b 243.6 `w¶Y Gwkqvi †`kmg~‡ni g~j¨ùxwZi Ae¯’v 26

3.7 LvZwfwËK gRywi nv‡ii MwZaviv (wfwË t A_©eQi 70=100) 27 3.8 mv‡ii AvšÍR©vwZK g~j¨ (A_©eQi 07-11) 28

3.9 cY¨ g~j¨ (A_©eQi 07-11) 28

4.1 Zvij¨ e¨e¯’vcbv Kvh©� g A_©eQi 11 31 4.2 e¨vcK gy`ªv (M2) Ges Gi Dcv`vbmg~n 33

4.3 Af¨šÍixY FY I Zvi Dcv`vbmg~n 35 4.4 A_©eQi 11-G M2 Ges wiRvf© gy`ªvi †cÖvMÖvg I cÖK…Z DbœwZ 35 4.5 wRwWwc cÖe„w×, M2 cÖe„w×, g~j¨ùxwZi nvi Ges gy`ªvi Avq MwZi MwZcÖK…wZ 35

5.1 e¨vswKs Lv‡Z GKxf~Z m¤ú` 405.2 e¨vswKs Lv‡Z GKxf~Z `vq 40

5.3 GKxf~Z g~jab ch©vßZvi weeiY 41

xx

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PvU©mg~n c„ôv

5.4 GKxf~Z †kªYxweb¨vwmZ FY I †gvU F‡Yi Zyjbvg~jK Ae¯’v 42 5.4(K) bxU †kªYxweb¨vwmZ FY I †gvU F‡Yi Zyjbvg~jK Ae¯’v (bxU Ae cÖwfkb) 42

5.5 e¨vs‡Ki †kªYx‡f‡` †kªYxweb¨vwmZ F‡Yi Zzjbvg~jK we‡kølY 435.6 mKj e¨vs‡Ki cÖwfkb ch©vßZvi weeiY 435.7 fvixZ Mo AvgvbZ I F‡Yi Ici my‡ì nvi 44

5.8 mKj e¨vs‡Ki e¨q-Av‡qi GKxf~Z wPÎ 455.9 mgwš^Z DcvR©bkxjZv - mKj e¨vsK 46

5.10 e¨vsK eë¯’vi mgwš^Z bxU my` Avq 46 5.11 AwZwi³ Zvi‡jï mgwš^Z cwiw¯’wZ 47

6.1 2010-G Avw_©K cÖwZôvbmg~‡ni wewb‡qv‡Mi aib 606.2 Avw_©K cÖwZôvbmg~‡ni †gvU m¤ú`, `vq I Zv‡ì AbycvZ 616.3 Avw_©K cÖwZôvbmg~‡ni †gvU, †kÖYxK…Z FY/jxR I Zv‡ì AbycvZ 62

7.1 Kj gvwb my‡ì nvi 667.2 evsjv‡`k Mfb©‡g›U †UªRvix eÛ (wewRwUwe) Gi fvixZ Mo Avq nvi 69

7.3 wWGmB Gi evRvi Kvh©�‡ gi MwZaviv 727.4 †gvU AvMv‡gi LvZwfwËK Ae`vb 757.5 e¨vsK I Avw_©K cÖwZôvb¸‡jvi wkí Lv‡Z †gqvw` FY t A_©eQi 11 76

8.1 A_©eQi 11-G K…wl FY weZi‡Yi j¶¨gvÎv 848.2 A_©eQi 11-G cÖK…Z K…wl FY weZiY 84

9.1 ivR¯^ Av‡qi eÈb t A_©eQi 11 (ms‡kvwaZ) 949.2 ivR¯^ Av‡qi eÈb t A_©eQi 12 (cÖv°wjZ) 949.3 ev‡RU NvUwZ A_©vqb t A_©eQi 11 (ms‡kvwaZ) 979.4 ev‡RU NvUwZ A_©vqb t A_©eQi 12 (cÖv°wjZ) 97

10.1 ê‡`wkK Lv‡Zi cÖavb wb‡`©kKmg~n 102 10.2 evwYR¨, PjwZ wnmve I mvwe©K fvimv‡gï MwZaviv 106 10.3 A_©eQi 11-G MšÍe¨ wfwËK ißvwbi c¨vUvb© 106 10.4 Avg`vwb cÖe„w× 108 10.5 evsjv‡`‡ki evwYR¨ kZ© 110 10.6 A_©eQi 10 I A_©eQi 11-Gi cÖevmx‡ì †cÖwiZ A_© 113 10.7 we‡`‡k iw¶Z Zij m¤ú` 114

13.1 e¨vs‡Ki Avq, e¨q I gybvdv 138

e·mg~n 2.1 AšÍf©yw³g~jK cÖe…w×i †¶‡Î AeKvVv‡gvMZ Dbœq‡bi f~wgKv 17

3.1 evsjv‡`‡ki Pjgvb g~j¨ùxwZ 25

xxi

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e·mg~n c„ôv

5.1 e¨vsK †Kv¤úvbxi †hvM¨ †i¸‡jUwi g~jab 495.2 evsjv‡`‡k MÖxb (cwi‡ek evÜe) e¨vswKs 51

8.1 evsjv‡`‡ki Rb¨ Lv`¨ wbivcËvi P¨v‡jÄ 86

9.1 A_©eQi 12-Gi ev‡R‡Ui cÖavb ivR¯^ c`‡¶cmg~n 989.2 A_©eQi 12-Gi ev‡R‡Ui cÖavb e¨q c`‡¶cmg~n 100

10.1 wek¦e¨vcx cÖZ¨¶ ê‡`wkK wewb‡qvM cÖev‡ni MwZaviv Ges cÖZ¨¶ ê‡`wkK wewb‡qvM AvKl©‡Y evsjv‡`‡ki m¤¢vebv 104

10.2 †iwgU¨v‡Ýi AšÍtcÖevn Ges evsjv‡`‡ki †jb‡`‡bi fvimv‡gï Ici Gi cÖfve 112

11.1 B‡j±ªwbK dvÛ UªvÝdvi (EFT) 125 11.2 AvBwU Mfb©¨vÝ 127

cwiwkómg~n

cwiwkó-1 cÖavb bxwZgvjvi ch©vq�wgK †NvlYv t A_©eQi 11 205

cwiwkó-2 evsjv‡`k t wKQy wbe©vwPZ cwimsL¨vb 227

mviYxmg~n1| evsjv‡`k t wbe©vwPZ mvgvwRK m~PKmg~n 229

2| cÖavb mvgwóK A_©‰bwZK m~PKmg~‡ni MwZaviv 230 3| ga¨‡gqvw` mvgwóK A_©‰bwZK KvVv‡gv t cÖavb wb‡`©kKmg~n 231 4| †gvU †`kR Drcv`b (wRwWwc), mÂq I wewb‡qvM 232 5| wRwWwcÕi cÖe„w× I LvZIqvix Ask (A_©eQi 96Õi w¯’i g~‡j¨) 233 6| miKv‡ii ev‡RUvwi Kvh©�g 234 7| gy`ªv I FY 235 8| †fv³v g~j¨ m~PK (wmwcAvB) Ges g~j¨ùxwZi nvi - RvZxq (wfwË t A_©eQi 96=100) 236 9| wiRvf© gy`ªv I Zvi Dcv`vbmg~n 237 10| wiRvf© gy`ªv I Zvi Drmmg~n 238 11| miKvwi Ges †emiKvwi Lv‡Zi AvgvbZmg~n 239 12| Zdwmwj e¨vsKmg~‡ni wbe©vwPZ cwimsL¨vb 240 13| wbe©vwPZ my‡ì nv‡ii MwZaviv (eQi †k‡l) 241 14| e¨vsK eë¯’v †_‡K M„nxZ miKv‡ii F‡Yi weeiY 242 15| miKv‡ii e¨vsK ewnf©~Z FY (bxU) 244 16| ê‡`wkK †jb‡`b fvimvg¨ 245 17| cÖÖKviwfwËK cY¨ ißvwb 246 18| cÖÖKviwfwËK cY¨ Avg`vwb 247

xxii

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cwiwkómg~n c„ôv

19| Avg`vwb FYcÎ †Lvjv, wb®úwË I e‡Kqv w¯’wZi LvZ wfwËK Zzjbvg~jK weeiYx 248 20| ê‡`wkK gy`ªvi wiRvf© 249 21| UvKv-gvwK©b Wjvi wewbgq nvi 250 22| †`k wfwËK cÖevmx‡ì †cªwiZ A_© 251 23| Zdwmwj e¨vsKmg~‡ni ZvwjKv 252 24| Avw_©K cÖwZôvbmg~‡ni ZvwjKv 253

cwiwkó-3 e¨vswKs Lv‡Zi Kvh©`¶Zvi wb‡`©wkKvmg~n 255

mviYxmg~n1| e¨vsK eë¯’vi KvVv‡gv 257

2| e¨vs‡Ki cÖK…wZ‡f‡` g~jab I SzuwK fvixZ m¤ú‡ì AbycvZ 257 3| e¨vs‡Ki †kªYx‡f‡ì †gvU F‡Yi AbycvZ †kªYx web¨vwmZ F‡Yi Ae¯’v 257 4| e¨vs‡Ki †kªYx‡f‡` bxU †gvU F‡Yi wecix‡Z †kªYx web¨vwmZ F‡Yi Ae¯’v 258 5| cÖ‡qvRbxq I msiw¶Z cÖwfkb - mKj e¨vsK 258 6| cÖwfkb ch©vßZv nv‡ii Zzjbvg~jK wPÎ 258 7| e¨vs‡Ki †kªYx‡f‡` Ae‡jvcbK…Z F‡Yi cwigvY 259 8| e¨vs‡Ki †kªYx‡f‡` e¨q-Avq AbycvZ 259 9| e¨vs‡Ki †kªYx‡f‡` gybvdv AR©‡bi nvi 259 10| e¨vs‡Ki †kªYx‡f‡` bxU my` Avq 260 11| e¨vs‡Ki †kªYx‡f‡` Zvi‡jï nvi 260

mvgwóK A_©‰bwZK MwZaviv, ¯^í I ga¨ †gqvw` m¤¢vebv

cÖ_g Aa¨vq

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1.3 AvšÍR©vwZK gy`ªv Znwej (IMF)-Gi Ryb 2011 Gi me©‡kl cÖv°jb Abyhvqx, êwk¦K g~j¨ùxwZ 2010

wek¦ A_©‰bwZK cwi‡ek, evsjv‡`‡ki A_©bxwZi Ici cÖfve

1.1 D`xqgvb I Dbœqbkxj A_©bxwZi †`k¸‡jv‡Z D”P †eMevb cÖe„w× Ae¨vnZ _vKv m‡Ë¡I 2011 mv‡j wek¦ A_©bxwZ‡Z gš’iMwZ we`¨gvb _v‡K| wKQz DbœZ A_©bxwZi †`k¸‡jv‡Z `ye©j A_©‰bwZK Kg©Kv‡Êi cÖfv‡e wek¦ A_©bxwZ‡Z Giƒc axiMwZ cwijwÿZ nq| DbœZ A_©bxwZi †`kmg~‡ni g‡a¨ Rvcvb I hy³iv‡óªi A_©‰bwZK Kg©Kv‡Êi ms‡KvPb I axiMwZi cÖfve BD‡iv AÂj I hy³iv‡Rï kw³kvjx A_©‰bwZK Kg©Kv‡Êi cÖfve‡KI ¤øvb K‡i †`q| cÖv_wgKfv‡e D`xqgvb I Dbœqbkxj †`kmg~‡ni †fvM¨c‡Yï ZvwjKvq Lv`¨ I R¡vjvwb `ª‡eï ¸iæZ¡ A‡bK †ewk _vKvq †mme †`‡k cY¨g~j¨ e„w× cvIqvq êwk¦K g~j¨ùxwZ e„w× Ae¨vnZ _v‡K|

1.2 AvšÍR©vwZK gy`ªv Znwej (IMF) Gi me©‡kl c~e©vfvm Abyhvqx wek¦ A_©bxwZi cÖe„w× wKQzUv gš’i n‡q 2012 mv‡j M‡o kZKiv 4.0 fvM n‡e, hv 2010 mv‡j M‡o kZKiv 5.0 fv‡MiI †ewk wQj (mviYx 1.1)| cÖavbZ Rvcv‡bi A_©bxwZ‡Z g›`vfv‡ei m¤¢vebvi †cÖwÿ‡Z wek¦ A_©bxwZi cÖe„w×i G c~e©vfvm kZKiv 4.3 fvM †_‡K ms‡kvab K‡i Kwg‡q Avbv nq| wek¦ A_©‰bwZK g›`v †_‡K cybiæ×vi cÖw�qv me A_©bxwZi Rb¨ mgvb n‡e bv e‡j cÖZxqgvb nq; D`xqgvb A_©bxwZi †`kmg~‡n wRwWwcÕi cÖe„w× kZKiv 6.4 fv‡Mi wecix‡Z DbœZ A_©bxwZi †`k¸‡jv‡Z wRwWwcÕi cÖe„w× kZKiv 1.6 fvM n‡e e‡j cÖZ¨vkv Kiv n‡”Q| DbœZ A_©bxwZi †`k¸‡jvi Rb¨ cÖavb SuywKi Dcv`vb n‡jv hy³iv‡óªi kÖg I wi‡qj G‡÷U (real-

estate) evRv‡i weivRgvb `ye©jZv Ges BD‡iv AÂ‡ji mve©‡fŠg F‡Yi (sovereign debt) Ae¨vnZ Pvc| D`xqgvb I Dbœqbkxj A_©bxwZ¸‡jv‡Z AwZ MwZgqZvi

mviYx 1.1 wek¦ A_©‰bwZK m¤¢vebvi cÖ‡ÿcY

wek¦ Drcv`b -0.7 5.1 4.0 4.0 DbœZ A_©bxwZi †`kmg~n -3.7 3.1 1.6 1.9 hy³ivóª -3.5 3.0 1.5 1.8 Rvcvb -6.3 4.0 -0.5 2.3 Rvgv©wb -5.1 3.6 2.7 1.3 hy³ivR¨ -4.9 1.4 1.1 1.6 dªvÝ -2.6 1.4 1.7 1.4 BZvwj -5.2 1.3 0.6 0.3 KvbvWv -2.8 3.2 2.1 1.9 be¨ wkívwqZ Gkxq †`kmg~n -0.7 8.4 4.7 4.5 Ab¨vb¨ D`xqgvb evRvi A_©bxwZi I Dbœqbkxj †`kmg~n 2.8 7.4 6.4 6.1 Gwkqvi Dbœqbkxj †`kmg~n 7.2 9.5 8.2 8.0 Pxb 9.2 10.3 9.5 9.0 Avwmqvb-5 1.7 6.9 5.3 5.6wek¦ evwYR¨ (`ªe¨ I ‡mev) -10.7 12.8 7.5 5.8Avg`vwb DbœZ A_©bxwZi †`kmg~n -12.4 11.7 5.9 4.0 Ab¨vb¨ D`xqgvb evRvi A_©bxwZi I Dbœqbkxj †`kmg~n -8.0 14.9 11.1 8.1ißvwb DbœZ A_©bxwZi †`kmg~n -11.9 12.3 6.2 5.2 Ab¨vb¨ D`xqgvb evRvi A_©bxwZi I Dbœqbkxj †`kmg~n -7.7 13.6 9.4 7.8`ªe¨g~j¨ (gvwK©b Wjv‡i) R¡vjvwb †Zj -36.3 27.9 30.6 -3.1 R¡vjvwb †Zj-ewnf~©Z -15.7 26.3 21.2 -4.7†fv³v g~j¨ DbœZ A_©bxwZi †`kmg~n 0.1 1.6 2.6 1.4 Ab¨vb¨ D`xqgvb evRvi A_©bxwZi I Dbœqbkxj †`kmg~n 5.2 6.1 7.5 5.9

(evwl©K kZKiv cwieZ©b)

cÖ‡ÿcY2009 2010 2011 2012

Drm: Iqvì© B‡KvbwgK AvDUjyK, †m‡Þ¤i 2011, AvBGgGd|

cÖ_g Aa¨vq mvgwóK A_©‰bwZK MwZaviv, ¯^í I ga¨ †gqvw` m¤¢vebv

2

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differentials) we‡`k †_‡K g~ja‡bi dUKvg~jK AšÍtcÖevn (speculative inflows of capital)-†KAv‡iv DrmvwnZ Ki‡Z cv‡i, G AvksKvq Ges evo‡Z _vKv g~j¨ùxwZ‡K ch©‡eÿY K‡i wKQz †`k AwZwi³ Zvij¨‡K cwi‡kvl‡Yi Rb¨ Ab¨vb¨ c`‡ÿc Aej¤^b K‡i, †hgb e¨vs‡Ki eva¨Zvg~jK Rvgvb‡Zi msiÿY Avek¨KZv (compulsory reserve requirements)

e„w× Kiv| fviZxq KZ©„cÿ bM` Rgv msiÿY Avek¨KZvi (Cash Reserve Requirements) nvi 1.0 cv‡m©‡›UR c‡q›U e„w× K‡i kZKiv 6.0 fv‡M wba©viY K‡i| e¨vsK Ae Pvqbv G AbycvZ‡K 6.0 cv‡m©‡›UR c‡q›U e„w× K‡i kZKiv 21.5 fv‡M wba©viY K‡i, †hLv‡b †idv‡iÝ my‡ì nvi gvÎ 1.25 cv‡m©‡›UR c‡q›U e„w× K‡i kZKiv 6.6 fv‡M wba©viY Kiv nq| Zzi‡¯‹ Awdwmqvj my‡ì nvi mvgvb¨ Kgv‡bvi wecix‡Z Ab mvBU Ges ¯^í‡gqvw` Avgvb‡Zi my`nvi 10.0 cv‡m©‡›UR c‡q›U evwo‡q kZKiv 16.0 fvM Kiv nq| i“k KZ©„cÿ ê‡`wkK gy`ªvq AwfwnZ `vqe×Zvi Ici eva¨Zvg~jK RvgvbZ msi¶‡Yi nvi (compulsory

reserve ratio) 3.0 cv‡m©‡›UR c‡q›U evwo‡q kZKiv 5.5 fvM K‡i Ges Awdwmqvj my‡ì nvi gvÎ 0.5 cv‡m©‡›UR c‡q›U e„w× K‡i kZKiv 8.25 fv‡M wba©viY K‡i| AwZKg©PÂj LvZmg~‡n (cÖcvwU© LvZmn) F‡Yi cÖevn wbqš¿‡Yi j‡ÿ¨ AwaKvsk †ÿ‡Î mvgwóK A_©‰bwZK `yi`wk©Zvi mv‡_ c`‡ÿc MÖnY Kiv n‡q‡Q| †hme †`‡k AwaK gy³ Avw_©K LvZ Ges bgbxq gy`ªv wewbwgq nvi (flexible exchange rates) i‡q‡Q,†hgb eªvwRj, †mme †`‡k gy`ªv wewbwgq nv‡ii Ici EaŸ©gyLx Pv‡ci Rev‡e dUKvg~jK AšÍtcÖevn wbiærmvwnZ Kivi Rb¨ g~ja‡bi AšÍtcÖev‡ni Ici Ki Av‡ivc Kiv n‡q‡Q| G ai‡bi wbqš¿Yg~jK c`‡ÿc MªnY m‡Ë¡I A‡bK †ÿ‡Î gy`ªv cwiw¯’wZ GLbI m¤úªmviYg~jK i‡q‡Q| wewfbœ †`‡k, we‡kl K‡i Gwkqvq, cÖK…Z my‡ì nvi K‡g‡Q Ges fviZ, `wÿY †Kvwiqv, ivwkqv Ges Zzi‡¯‹ cÖK…Z my‡ì nvi FYvZ¥K n‡q †M‡Q| Avw_©K m¤ú‡ì cÖe„w×i MwZ K‡g †M‡jI Zv `ªæZMwZ‡Z e„w× cv‡”Q, we‡kl K‡i †mme †`‡k †hme †`‡ki KZ©„cÿ ê‡`wkK gy`ªvi wiRvf©‡K

mv‡ji †kl cÖvwšÍ‡Ki kZKiv 3.5 fvM †_‡K 2011 mv‡ji cÖ_g cÖvwšÍ‡K kZKiv 4.0 fv‡M e„w× cvq; hv GwcÖj 2011 Gi c~e©vfvm †_‡K 0.25 cv‡m©‡›UR c‡q‡›UiI †ewk| g~jZ cY¨g~j¨ cÖZ¨vkvi Zzjbvq †ewk e„w× cvIqvq 2011 mv‡j DbœZ I D`xqgvb Dfq †`kmg~‡n g~j¨ùxwZ Av‡iv e„w× †c‡q h_v�‡ g kZKiv 2.6 I 7.5 fvM n‡e e‡j aviYv Kiv n‡”Q (c~e©eZ©x eQ‡i h_v�‡ g kZKiv 1.6 I 6.1 fvM wQj)| hv‡nvK, wKQz msL¨K A_©bxwZ‡Z †Kvi (core)

g~j¨ùxwZ (Lv`¨ Ges R¡vjvwb ev‡`) e„w× †c‡q‡Q; hy³ivóª I Rvcv‡b Zv AcwiewZ©Z i‡q‡Q Ges BD‡iv AÂ‡j cwiwgZ AvKv‡i †e‡o‡Q| D`xqgvb I Dbœqbkxj A_©bxwZ¸‡jv‡Z `ªæZ evo‡Z _vKv Pvwn`vi Pv‡ci mv‡_ mv‡_ g~j¨ùxwZi Pvc e¨vcK wfwË jvf K‡i hv †fv³vi Lv`¨ Ges R¡vjvwbi †ewk cwigv‡Y †fv‡M cÖwZdwjZ nq|

1.4 DbœZ A_©bxwZi †`kmg~‡n gy`ªvbxwZi `„wófw½ msKzjvbgyLx wQj| Ryb 2011-G AeëüZ mvg_©¨ (spare capacity) Ges w¯’wZkxj g~j¨ùxwZRwbZ cÖZ¨vkv _vKvq †dWv‡ij wiRvf© wm‡÷g&m †NvlYv K‡i †h, AviI wKQz mg‡qi Rb¨ Awdwmqvj my`nvi (official rates) LyeB wbgœgvÎvq Pj‡Z _vK‡e| A_©bxwZi Ae¨vnZ wbgœMwZi Kvi‡Y e¨vsK Ae Rvcvb gy`ªvbxwZi †idv‡iÝ my`nv‡ii (reference rate)

KwiWi‡K (corridor) kZKiv 0 †_‡K 0.1 fv‡M AcwiewZ©Z †i‡L‡Q Ges e¨vsK Ae Bsj¨vÛ Zvi bxwZ my`nvi‡K (policy rate) kZKiv 0.5 fv‡M AcwiewZ©Z †i‡L‡Q| Ab¨w`‡K, D`xqgvb I Dbœqbkxj †`k¸‡jvi †K›`ªxq e¨vsKmg~n 2010 mv‡ji ïiæ †_‡K gy`ªv cwiw¯’wZ‡K (monetary conditions)

�gvMZfv‡e ms‡KvPb K‡i P‡j‡Q| A_©bxwZ‡Z AwZ MwZgqZv (economic overheating) Ges g~j¨ùxwZi cÖZ¨vkv (inflation expectations) e„w× cvIqvi cÖgvY _vKvq, 2011 mv‡ji emšÍ †_‡K gy`ªvms‡KvPb‡K Av‡iv ZxeªZi Kiv n‡q‡Q| fvi‡Z e¨vsK my‡ì nvi †gvU 3.3 cv‡m©‡›UR c‡q›U (kZKiv 8.0 fvM ch©šÍ) e„w× Kiv n‡q‡Q, cvwK¯Ív‡b 1.5 cv‡m©‡›UR c‡q›U, eªvwR‡j 3.5 cv‡m©‡›UR c‡q›U (kZKiv 12.25 fvM ch©šÍ) Ges wPwj‡Z 4.8 cv‡m©‡›UR c‡q›U (kZKiv 5.25 fvM ch©šÍ) e„w× Kiv n‡q‡Q| my‡ì nv‡ii Zzjbvg~jK


3

0.83 cv‡m©‡›UR c‡q›U e„w× †c‡q‡Q| hvi g‡a¨ g~jabx hš¿cvwZ‡Z wewb‡qvM wQj me‡P‡q MwZ mÂvjK Dcv`vb, hv D”PZi gybvdv Ges †Rviv‡jv ê‡`wkK Pvwn`vi cÖwZdjK| wkíLv‡Z we‡kl K‡i gvSvwi I e„nr wk‡íi Drcv`‡bi `„p cÖe„w×, K…wlLv‡Zi D”P cÖe„w× Ges †mevLv‡Zi Aweivg m¤úªmvi‡Yi d‡j A_©eQi 11-G e¨w³MZ Lv‡Z †fvM e„w× †c‡q‡Q| êwk¦K g›`vi cÖfv‡e A_©eQi 09-G AwR©Z wbgœ †fv³v g~j¨m~P‡Ki EaŸ©MwZi aviv A_©eQi 10-Gi Zzjbvq Kg nv‡i A_©eQi 11-G Ae¨vnZ wQj| c‡q›U-Uz-c‡q›U wfwË‡Z †fv³v g~j¨m~PK Ryb 2009 †k‡li wbgœ kZKiv 2.3 fvM †_‡K 6.4 cv‡m©‡›UR c‡q›U e„w× †c‡q Ryb 2010 †k‡l kZKiv 8.7 fv‡M ùvovq, hv Ryb 2011 †k‡l 1.5 cv‡m©‡›UR c‡q›U e„w× †c‡q kZKiv 10.2 fv‡M ùvovq| AvšÍR©vwZK evRv‡i Lv`¨ Ges Lv`¨ ewnf©~Z c‡Yï g~j¨ e„w×i Kvi‡Y evwl©K Mo g~j¨ùxwZi nvi (wfwË: A_©eQi 96=100) e„w× †c‡q Ryb 2011 †k‡l kZKiv 8.8 fv‡M ùvovq, hv A_©eQi 11-Gi ms‡kvwaZ ev‡R‡Ui cÖ‡ÿcY kZKiv 8.0 fvM †_‡K †ewk| Ab¨w`‡K, A_©eQi 11-Gi ïiæ‡Z Lv`¨ ewnf©~Z c‡Yï evwl©K Mo †fv³v g~j¨m~PK (hv‡K ‘core’ g~j¨ùxwZ wn‡m‡e MY¨ Kiv hvq) kZKiv 5.5 fvM †_‡K K‡g A_©eQi 11-Gi †k‡l kZKiv 4.2 fv‡M ùvovq| g~j¨ùxwZ wbqš¿‡Yi j‡ÿ¨ cwjwm my‡ì nvi (†i‡cv, wifvm© †i‡cv my`nvi) cÖ‡qv‡Mi cvkvcvwk evsjv‡`k e¨vs‡Ki gy`ªvbxwZ A‡_©i cwigvY Z‡Ë¡i(Quantity Theory of Money) wfwË‡Z gy`ªvi gRy`‡K jÿ¨ K‡i cÖK…Z †`kR Lv‡Zi (real sector)

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1.5 2011 mv‡j hy³iv‡óªi A_©‰bwZK cÖe„w×i AwbðqZv m¤¢vebv Ges BD‡iv AÂ‡ji wKQz †`‡k bZzb K‡i mve©‡fŠg F‡Yi (sovereign debt)

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e„w×i mv‡_ m¤úwK©Z wQj bv, Avmbœ †cvU©‡dvwjI (portfolio) cybe©Èb †mmKj †`kmg~‡n miKvwi wmwKDwiwU‡Ri Avqnvi (yields on government

securities) n«v‡m Ae`vb †i‡L‡Q|

evsjv‡`‡ki A_©bxwZi MwZaviv

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4

mieivn DcLv‡Zi cÖe„w× A_©eQi 10-Gi kZKiv 7.3 fvM †_‡K n«vm †c‡q A_©eQi 11-G kZKiv 6.0 fvM AwR©Z nq| M„nvqb Lv‡Z D”PZi Pvwn`vi Kvi‡Y wbg©vY DcLv‡Zi cÖe„w× A_©eQi 10-Gi kZKiv 6.0 fvM †_‡K e„w× †c‡q A_©eQi 11-G kZKiv 6.4 fvM AwR©Z nq|

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1.10 Pvwn`vi w`K †_‡K, cÖK…Z Af¨šÍixY Pvwn`v A_©eQi 11-G kZKiv 6.6 fvM e„w× cvq, A_©eQi 10-G hv wQj kZKiv 6.1 fvM| Af¨šÍixY Pvwn`vi `y‡Uv Dcv`vb †fvM I wewb‡qvM| Gi g‡a¨ †fvM A_©eQi 11-G kZKiv 5.3 fvM n«vm cvq, hv A_©eQi 10-Gi kZKiv 5.4 fvM †_‡K mvgvb¨ Kg| Ab¨w`‡K, wewb‡qvM A_©eQi 11-G kZKiv 9.8 fvM e„w× cvq, A_©eQi 10-G hv wQj kZKiv 7.9 fvM|

mÂq I wewb‡qvM

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cÖe„w×i MwZaviv

1.7 A_©eQi 11-G Drcv`b Ges wewb‡qvM Kg©KvÊ e¨vcKfv‡e e„w× †c‡q‡Q| evsjv‡`k cwimsL¨vb ey¨‡iv (weweGm) Gi mvgwqK wnmve Abyhvqx A_©eQi 11-G evsjv‡`‡k cÖK…Z wRwWwcÕi cÖe„w× AwR©Z n‡q‡Q kZKiv 6.7 fvM hv cÖv_wgK cÖ‡ÿc‡Yi mgvb Ges A_©eQi 10-G AwR©Z kZKiv 6.1 fvM cÖe„w× †_‡K †ewk| mieiv‡ni w`K †_‡K wkí I †mevLv‡Zi †Rviv‡jv cÖe„w×mn K…wlLv‡Zi cwiwgZ cÖe„w×i Kvi‡Y cÖK…Z wRwWwcÕi G cÖe„w× AR©b m¤¢e n‡q‡Q| K…wlLv‡Z A_©eQi 10-G AwR©Z kZKiv 5.2 fvM cÖe„w×i Zzjbvq A_©eQi 11-G cÖe„w× mvgvb¨ n«vm †c‡q kZKiv 5.0 fv‡M ùvovq, hv GLbI †Rviv‡jv Ges Mo e„w×i avivi †P‡q †ewk| cï m¤ú, ebR m¤ú Ges grm¨ m¤ú DcLv‡Z A_©eQi 10-Gi h_v�‡ g kZKiv 3.4, 5.2 Ges 4.2 fvM cÖe„w×i Zzjbvq A_©eQi 11-G h_v�‡ g kZKiv 3.5, 5.4 Ges 5.4 fvM D”PZi cÖe„w× AwR©Z nq| km¨ I kvK-mewR DcLv‡Z A_©eQi 10-Gi kZKiv 6.1 fv‡Mi Zzjbvq A_©eQi 11-G kZKiv 5.0 fvM cÖe„w× AwR©Z nq|

1.8 A_©eQi 11-G ißvwb I Avg`vwb Lv‡Z h_v�‡ g kZKiv 41.7 I 41.8 fv‡Mi kw³kvjx cÖe„w× wkíLv‡Z kZKiv 8.2 fv‡Mi D”PZi cÖe„w× AR©‡b mnvqZv K‡i, hv A_©eQi 10-G wQj kZKiv 6.5 fvM| g¨vbyd¨vKPvwis DcLv‡Zi cÖe„w× A_©eQi 10-Gi kZKiv 6.5 fv‡Mi Zzjbvq e„w× †c‡q A_©eQi 11-G kZKiv 9.5 fv‡M ùvovq| e„nr I gvSvwi wkí DcLv‡Zi cÖe„w× A_©eQi 10-Gi kZKiv 6.0 fv‡Mi Zzjbvq A_©eQi 11-G kZKiv 10.4 fvM AwR©Z nq, wKš‘ ÿz`ª wkí DcLv‡Zi cÖe„w× A_©eQi 10-Gi kZKiv 7.8 fvM †_‡K mvgvb¨ n«vm †c‡q A_©eQi 11-G kZKiv 7.3 fv‡M ùvovq| we`y¨r, M¨vm I cvwb


5

¯’vbxq evRv‡i g~j¨ cwiw¯’wZ D”P I EaŸ©gyLx wQj| Avg`vwb wbf©i cY¨ †hgb Mg, wPwb, †fvR¨‡Zj Ges Wvj AvšÍR©vwZK g~‡jï MwZaviv‡K AbymiY K‡i| weKvkgvb Dbœqbkxj A_©bxwZ¸‡jvi †Rviv‡jv cÖe„w× R¡vjvwb I Lv`¨ ewnf©~Z wkí c‡Yï AvšÍR©vwZK g~jë„w×‡Z f~wgKv iv‡L| g~j¨ùxwZ wbqš¿‡Y miKvi wewfbœ c`‡ÿc Ae¨vnZ †i‡L‡Q, †hgb- evRv‡i cÖ‡qvRbxq cY¨ mieivn wbwðZ Kivi cvkvcvwk evRvi eë¯’v‡K wbweofv‡e ch©‡eÿY, †Lvjv evRv‡i b¨vh¨g~‡j¨ cY¨ wew�, KwZcq wbZ¨cÖ‡qvRbxq cY¨ Avg`vwbi Ici Av‡ivwcZ ïé Kgv‡bv Ges K…wlLv‡Z Drcv`b LiP Kgv‡bvi j‡ÿ¨ K…wl DcKiY †hgb mvi, exR I †mPKv‡Ri Rb¨ we`y¨‡Zi Ici fZ©ywK cÖ`vb| GKBfv‡e, evsjv‡`k e¨vsK 2010 Gi wW‡m¤^‡i bM` Rgv msiÿY Avek¨KZv nvi (CRR) kZKiv 5.5 fvM †_‡K 0.5 cv‡m©‡›UR c‡q›U e„w× K‡i kZKiv 6.0 fv‡M cybtwba©viY Kivi cvkvcvwk A_©eQi 11-G

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1.25 mvwe©K †jb‡`b fvimv‡g¨ A_©eQi 11-G A_©eQi 10-Gi 2.87 wewjqb gvwK©b Wjvi DØ„‡Ëi wecix‡Z 0.93 wewjqb gvwK©b Wjvi NvUwZ nq| evsjv‡`k e¨vs‡Ki †gvU ê‡`wkK gy`ªv gRy‡ì cwigvY A_©eQi 10 †k‡li Zzjbvq 0.16 wewjqb Wjvi e„w× †c‡q A_©eQi 11 †k‡l 10.91 wewjqb gvwK©b Wjv‡i ùvovq, hv cÖvq 3.7 gv‡mi Avg`vwb e¨‡qi mgvb|

1.26 A_©eQi 11-G c~e©eZ©x A_©eQ‡ii Zzjbvq miKvwi I †emiKvwi Dfq LvZ †_‡K ê‡`wkK gy`ªvi Pvwn`vi †ek Zxeª Pvcmn †`‡ki ê‡`wkK gy`ªvevRv‡i Aw¯’wZkxjZv weivRgvb wQj; †hLv‡b cÖevmx‡ì †cÖwiZ Av‡qi AšÍtcÖev‡ni axiMwZ Ges †Rviv‡jv Avg`vwb cÖe„w×i d‡j evwYR¨ NvUwZi cÖmvi cvIqvq †`‡ki ê‡`wkK gy`ªv evRv‡ii Zvi‡jï Ici e¨vcK Pvc m„wó nq| evRv‡i evsjv‡`k e¨vs‡Ki n¯Í‡ÿ‡ci jÿ¨ wQj Zvij¨ mwVK ch©v‡q †i‡L Pvwn`vi G Pvc‡K mnbxq ch©v‡q wb‡q Avmv| UvKvi AwZwi³ Aeg~j¨vqbRwbZ g~j¨ùxwZi cÖfve‡K cÖkg‡bi j‡ÿ¨, evsjv‡`k e¨vs‡Ki ê‡`wkK gy`ªvi gRy` †_‡K 962.5 wgwjqb gvwK©b Wjvi bxU wew�i Kvi‡Y wewbgq nv‡ii Ici Pvc AvswkK bgbxq nq| GB AvswkK bgbxqKi‡Yi ciI A_©eQi 11-G gvwK©b Wjv‡ii wecix‡Z UvKv kZKiv 6.3 fvM Aeg~j¨vwqZ nq| UvKvi bvwgK wewbgq nvi Ryb 2010 †k‡li cÖwZ gvwK©b Wjv‡i 69.45 UvKv †_‡K e„w× †c‡q Ryb 2011 †k‡l cÖwZ gvwK©b Wjv‡i 74.15 UvKvq ùvovq| 8wU †`‡ki gy`ªv Szwo wn‡m‡e wbYx©Z UvKvi bvwgK Kvh©Ki wewbgq nvi (wfwË: 2000-2001=100) Abyhvqx A_©eQi 11-G UvKvi kZKiv 13.1 fvM Aeg~j¨vqb nq| Ab¨w`‡K, UvKvi cÖK…Z Kvh©Ki wewbgq nvi kZKiv 8.1 fvM Aeg~j¨vwqZ nq|

(net errors and omissions) a‡i mvwe©K †jb‡`b fvimv‡g¨ 925.0 wgwjqb gvwK©b Wjvi NvUwZ nq| evsjv‡`k e¨vs‡Ki †gvU ê‡`wkK gy`ªv gRy‡ì cwigvY A_©eQi 11 †k‡l 10912.0 wgwjqb gvwK©b Wjv‡i ùvovq|

1.22 A_©eQi 10-G ißvwb Lv‡Z kZKiv 4.2 fvM Zzjbvg~jK axi cÖe„w× AwR©Z nevi ci A_©eQi 11-G †iKW© kZKiv 41.7 fv‡Mi D”P cÖe„w× AwR©Z nq| ißvwbi gyL¨ cY¨ h_v- ˆZwi †cvkvK, KuvPv cvU, cvURvZ `ªe¨, Pvgov Ges wngvwqZ c‡Yï D”P cÖe„w× ißvwb Lv‡Zi G cÖe„w× AR©‡b mnvqZv K‡i| ˆZwi †cvkv‡Ki g‡a¨ I‡fb †cvkvK cwi”Q` Ges bxUIq¨vi `ªe¨ h_v�‡ g kZKiv 40.2 Ges 46.3 fvM cÖe„w× AR©b K‡i| KuvPv cvU Ges cvURvZ `ªe¨ h_v�‡ g kZKiv 82.0 Ges 28.1 fvM cÖe„w× AR©b K‡i| AvšÍR©vwZK evRv‡i cY¨g~‡jï EaŸ©MwZ Ges evsjv‡`kx c‡Yï (low-end products) Pvwn`vi e¨vcK e„w× ißvwb Avq e„w×‡Z f~wgKv iv‡L|

1.23 ißvwbi b¨vq Avg`vwbI A_©eQi 10-G kZKiv 5.5 fvM ZzjbvgyjK axi cÖe„w× AR©b Kivi ci A_©eQi 11-G †iKW© kZKiv 41.8 fvM D”P cÖe„w× AR©b K‡i| Lv`¨km¨, g~jabx hš¿cvwZ Ges wKQz gaëZ©x c‡Yï D”P Avg`vwb Ges AvšÍR©vwZK evRv‡i cY¨g~‡jï EaŸ©MwZi Kvi‡Y Avg`vwb e¨q e„w× cvq| wRwWwcÕi kZKiv nvi wn‡m‡e ißvwb Avq A_©eQi 11-G A_©eQi 10-Gi 16.2 fvM †_‡K e„w× †c‡q 20.7 fv‡M ùvovq| wRwWwcÕi kZKiv nvi wn‡m‡e Avg`vwb e¨q A_©eQi 11-G A_©eQi 10-Gi 21.3 fvM †_‡Ke„w× †c‡q 27.4 fv‡M ùvovq|

1.24 A_©eQi 11-G cÖevmx‡ì †cÖwiZ Av‡qi AšÍtcÖev‡ni cÖe„w× A_©eQi 10-Gi kZKiv 13.4 fv‡Mi wecix‡Z kZKiv 6.0 fvM cwiwgZ cÖe„w× AwR©Z nIqv m‡Ë¡I PjwZ wnmv‡ei fvimv‡g¨ cÖvq 1.0 wewjqb Wjvi DØ„Ë cwijwÿZ nq; hv A_©eQi 10-Gi 3.7 wewjqb Wjvi DØ„‡Ëi Zzjbvq D‡jøL‡hvM¨ cwigv‡Y Kg| A_©eQi 11-G †mev, Avq Ges evwYR¨


9

wnmv‡e NvUwZ †`Lv w`‡jI PjwZ wnmv‡e cÖevmx‡ì †cÖwiZ Av‡qi AšÍtcÖev‡ni Kvi‡YB DØ„Ë AwR©Z nq| Av‡jvP¨ A_©eQ‡i cÖevmx‡ì †cÖwiZ Av‡qi cwigvY c~e©eZ©x eQ‡ii 10.99 wewjqb Wjv‡ii Zzjbvq e„w× †c‡q 11.65 wewjqb Wjv‡i ùvovq|

1.25 mvwe©K †jb‡`b fvimv‡g¨ A_©eQi 11-G A_©eQi 10-Gi 2.87 wewjqb gvwK©b Wjvi DØ„‡Ëi wecix‡Z 0.93 wewjqb gvwK©b Wjvi NvUwZ nq| evsjv‡`k e¨vs‡Ki †gvU ê‡`wkK gy`ªv gRy‡ì cwigvY A_©eQi 10 †k‡li Zzjbvq 0.16 wewjqb Wjvi e„w× †c‡q A_©eQi 11 †k‡l 10.91 wewjqb gvwK©b Wjv‡i ùvovq, hv cÖvq 3.7 gv‡mi Avg`vwb e¨‡qi mgvb|

1.26 A_©eQi 11-G c~e©eZ©x A_©eQ‡ii Zzjbvq miKvwi I †emiKvwi Dfq LvZ †_‡K ê‡`wkK gy`ªvi Pvwn`vi †ek Zxeª Pvcmn †`‡ki ê‡`wkK gy`ªvevRv‡i Aw¯’wZkxjZv weivRgvb wQj; †hLv‡b cÖevmx‡ì †cÖwiZ Av‡qi AšÍtcÖev‡ni axiMwZ Ges †Rviv‡jv Avg`vwb cÖe„w×i d‡j evwYR¨ NvUwZi cÖmvi cvIqvq †`‡ki ê‡`wkK gy`ªv evRv‡ii Zvi‡jï Ici e¨vcK Pvc m„wó nq| evRv‡i evsjv‡`k e¨vs‡Ki n¯Í‡ÿ‡ci jÿ¨ wQj Zvij¨ mwVK ch©v‡q †i‡L Pvwn`vi G Pvc‡K mnbxq ch©v‡q wb‡q Avmv| UvKvi AwZwi³ Aeg~j¨vqbRwbZ g~j¨ùxwZi cÖfve‡K cÖkg‡bi j‡ÿ¨, evsjv‡`k e¨vs‡Ki ê‡`wkK gy`ªvi gRy` †_‡K 962.5 wgwjqb gvwK©b Wjvi bxU wew�i Kvi‡Y wewbgq nv‡ii Ici Pvc AvswkK bgbxq nq| GB AvswkK bgbxqKi‡Yi ciI A_©eQi 11-G gvwK©b Wjv‡ii wecix‡Z UvKv kZKiv 6.3 fvM Aeg~j¨vwqZ nq| UvKvi bvwgK wewbgq nvi Ryb 2010 †k‡li cÖwZ gvwK©b Wjv‡i 69.45 UvKv †_‡K e„w× †c‡q Ryb 2011 †k‡l cÖwZ gvwK©b Wjv‡i 74.15 UvKvq ùvovq| 8wU †`‡ki gy`ªv Szwo wn‡m‡e wbYx©Z UvKvi bvwgK Kvh©Ki wewbgq nvi (wfwË: 2000-2001=100) Abyhvqx A_©eQi 11-G UvKvi kZKiv 13.1 fvM Aeg~j¨vqb nq| Ab¨w`‡K, UvKvi cÖK…Z Kvh©Ki wewbgq nvi kZKiv 8.1 fvM Aeg~j¨vwqZ nq|

(net errors and omissions) a‡i mvwe©K †jb‡`b fvimv‡g¨ 925.0 wgwjqb gvwK©b Wjvi NvUwZ nq| evsjv‡`k e¨vs‡Ki †gvU ê‡`wkK gy`ªv gRy‡ì cwigvY A_©eQi 11 †k‡l 10912.0 wgwjqb gvwK©b Wjv‡i ùvovq|

1.22 A_©eQi 10-G ißvwb Lv‡Z kZKiv 4.2 fvM Zzjbvg~jK axi cÖe„w× AwR©Z nevi ci A_©eQi 11-G †iKW© kZKiv 41.7 fv‡Mi D”P cÖe„w× AwR©Z nq| ißvwbi gyL¨ cY¨ h_v- ˆZwi †cvkvK, KuvPv cvU, cvURvZ `ªe¨, Pvgov Ges wngvwqZ c‡Yï D”P cÖe„w× ißvwb Lv‡Zi G cÖe„w× AR©‡b mnvqZv K‡i| ˆZwi †cvkv‡Ki g‡a¨ I‡fb †cvkvK cwi”Q` Ges bxUIq¨vi `ªe¨ h_v�‡ g kZKiv 40.2 Ges 46.3 fvM cÖe„w× AR©b K‡i| KuvPv cvU Ges cvURvZ `ªe¨ h_v�‡ g kZKiv 82.0 Ges 28.1 fvM cÖe„w× AR©b K‡i| AvšÍR©vwZK evRv‡i cY¨g~‡jï EaŸ©MwZ Ges evsjv‡`kx c‡Yï (low-end products) Pvwn`vi e¨vcK e„w× ißvwb Avq e„w×‡Z f~wgKv iv‡L|

1.23 ißvwbi b¨vq Avg`vwbI A_©eQi 10-G kZKiv 5.5 fvM ZzjbvgyjK axi cÖe„w× AR©b Kivi ci A_©eQi 11-G †iKW© kZKiv 41.8 fvM D”P cÖe„w× AR©b K‡i| Lv`¨km¨, g~jabx hš¿cvwZ Ges wKQz gaëZ©x c‡Yï D”P Avg`vwb Ges AvšÍR©vwZK evRv‡i cY¨g~‡jï EaŸ©MwZi Kvi‡Y Avg`vwb e¨q e„w× cvq| wRwWwcÕi kZKiv nvi wn‡m‡e ißvwb Avq A_©eQi 11-G A_©eQi 10-Gi 16.2 fvM †_‡K e„w× †c‡q 20.7 fv‡M ùvovq| wRwWwcÕi kZKiv nvi wn‡m‡e Avg`vwb e¨q A_©eQi 11-G A_©eQi 10-Gi 21.3 fvM †_‡Ke„w× †c‡q 27.4 fv‡M ùvovq|

1.24 A_©eQi 11-G cÖevmx‡ì †cÖwiZ Av‡qi AšÍtcÖev‡ni cÖe„w× A_©eQi 10-Gi kZKiv 13.4 fv‡Mi wecix‡Z kZKiv 6.0 fvM cwiwgZ cÖe„w× AwR©Z nIqv m‡Ë¡I PjwZ wnmv‡ei fvimv‡g¨ cÖvq 1.0 wewjqb Wjvi DØ„Ë cwijwÿZ nq; hv A_©eQi 10-Gi 3.7 wewjqb Wjvi DØ„‡Ëi Zzjbvq D‡jøL‡hvM¨ cwigv‡Y Kg| A_©eQi 11-G †mev, Avq Ges evwYR¨


9

iÿYkxj Awaôv‡bI e¨vsK Ges exgv †Kv¤úvbxmg~n cÖvmw½K SzuwKi e¨vcv‡i AwfNvZ mnbkxj wQj| GUv ïayB cÖv_wgK D”P g~ja‡bi evdvi (buffer)-Gi Rb¨ bq, eis GRb¨ †h GUv cÖwZK~j `„k¨K‡íI Avq evov‡Z mÿg|

evsjv‡`‡ki A_©bxwZi ¯^í I ga¨‡gqvw` m¤¢vebv

1.29 ê‡`wkK Pvwn`v e„w×i cÖw�qv Ae¨vnZ ivLv, mnvqK mvgwóK A_©‰bwZK bxwZgvjv‡K kw³kvjxKiY Ges g~j¨ùxwZ‡K wbqš¿‡Y ivLv mv‡c‡ÿ evsjv‡`‡ki ¯^í I ga¨‡gqvw` A_©‰bwZK m¤¢vebv AbyK~‡j _vK‡e e‡j cÖZxqgvb nq| wbgœ g~j¨ùxwZ eRvq †i‡L †`‡ki ewa©òz A_©bxwZ‡K †UKmB `„p cÖe„w×i w`‡K avweZ KivB cÖavb jÿ¨| AvMvgx K‡qK eQ‡ii g‡a¨ wewb‡qvM Kg©Kv‡Êi EaŸ©gyLx cÖeYZv n‡e A_©‰bwZK Dbœq‡bi D‡jøL‡hvM¨ êwkó¨| wkíLv‡Zi ¸YMZ gv‡bvbœqb, Drcv`b cybwe©b¨vm Ges DbœZ cÖhyw³ LvZ I `ª‡e¨ cÖwZ‡hvwMZv Avbq‡bi D‡`¨v‡Mi mv‡_ mv‡_ A_©bxwZi mvwe©K `ÿZv AvšÍR©vwZK ch©v‡q DbœxZ Kivi j‡ÿ¨ miKvwi Kg©m~wP ev¯ÍevwqZ Kiv n‡j Zv g~jabx `ª‡eï Pvwn`vi †ÿ‡Î ¯^í †_‡K `xN©‡gqv‡` mnvqK f~wgKv ivL‡e| AvMvgx eQi¸‡jv‡Z wRwWwcÕi cÖe„w× AR©‡b g~jabx hš¿cvwZ‡Z wewb‡qv‡Mi Ae`vbB †ewk _vK‡e, †hLv‡b wbg©vY Lv‡Z wewb‡qvM Kg©Kv‡Êi MwZkxjZv †Rviv‡jvfv‡e Ae¨vnZ _vK‡e e‡j cÖZ¨vkv Kiv hvq|

1.30 weweGm Gi mv¤úªwZK Lvbv Avq Ges e¨q Rwic (GBPAvBBGm 2010) Abyhvqx `ªæZ `vwi`ª¨ n«v‡mi (evwl©K kZKiv cÖvq `yB fvM) Kvi‡Y A_©bxwZ‡Z Af¨šÍixY Pvwn`vi †ZwRfve weivRgvb wQj| we‡`‡k evsjv‡`‡ki †cvkvK Ges Ab¨vb¨ wkíRvZ `ª‡eï ißvwb Pvwn`v fvjfv‡e cybiæ×vi n‡q‡Q, GgbwK cwic° I DbœZ A_©bxwZ‡ZI †hLv‡b wek¦ A_©bxwZi cybiæ×vi cÖw�qv axi MwZ‡Z Pj‡Q| `ªæZ ea©bkxj I D`xqgvb A_©bxwZ¸‡jvi ißvwb evRv‡i cÖ‡ekvwaKvi cÖk¯Í n‡”Q Ges mvgyw`ªK Rvnv‡Ri g‡Zv bZzb cY¨mg~n ißvwb ZvwjKvq hy³ n‡”Q| ZvB A_©eQi 12-G

1.27 evsjv‡`‡ki ê‡`wkK F‡Yi w¯’wZ 2010 m‡bi Ryb †k‡li 20.34 wewjqb gvwK©b Wjv‡ii Zzjbvq e„w× †c‡q 2011 m‡bi Ryb †k‡l 21.45 wewjqb gvwK©b Wjv‡i ùvovq| Z‡e, wRwWwcÕi Ask wn‡m‡e ê‡`wkK F‡Yi w¯’wZ 2010 m‡bi Ryb †k‡li kZKiv 20.3 fv‡Mi wecix‡Z n«vm †c‡q 2011 m‡bi Ryb †k‡l kZKiv 19.4 fv‡M ùvovq|

Avw_©K Lv‡Zi w¯’wZkxjZv

1.28 MZ K‡qK eQ‡ii Ae¨vnZ A_©‰bwZK Dbœqb Kg©KvÊ †_‡K evsjv‡`‡ki Avw_©K LvZ jvfevb n‡q‡Q| A_©eQi 11-G wRwWwcÕi D”P cÖe„w× †_‡K DcK…Z n‡q e¨vswKs LvZ Zv‡ì FY`v‡bi wfwË (funding base)-†K Av‡iv kw³kvjx K‡i‡Q, hv fwel¨‡Zi FY Pvwn`v †gUv‡bv Ges A_©‰bwZK cÖe„w×‡Z mn‡hvwMZv Kivi †ÿ‡Î e¨vsKmg~n‡K myweavRbK Ae¯’v‡b wb‡q †h‡Z mÿg n‡q‡Q| †kÖYxweb¨vwmZ F‡Yi cwigvY e„w× cvIqv m‡Ë¡I e¨vsKmg~‡ni m¤ú‡ì ¸YMZgvb eRvq _v‡K| D”P cY¨g~j¨ I †Rviv‡jv FY Pvwn`v m‡Ë¡I my‡ì nvi n«vm cvq| Z`ycwi, gy`ªv wewbgq nv‡ii w¯’wZkxjZv‡K a‡i ivLvi Rb¨ evsjv‡`k e¨vsK cwigvYMZ Pvc Kgv‡bvi c`‡ÿc (quantitative easing measures) MªnY K‡i| miKvwi ivR‡¯î `„p Ae¯’v (sustainability) †_‡KAvw_©K evRvi �gvMZfv‡e jvfevb n‡q‡Q| djkÖæwZ‡Z, A_©bxwZi cÖe„w×i MwZ‡K Z¡ivwš^Z Kivi j‡ÿ¨ miKvi ivR¯^bxwZ cÖ‡Yv`bv cÖ`vb K‡i‡Q, hv Avw_©K Lv‡Zi Kg©Kv‡Êi MwZ‡K Av‡iv †eMevb K‡i‡Q| A_©eQi 11-Gi †klv‡a©, wePÿY Zvij¨ eë¯’vcbvi gva¨‡g evsjv‡`k e¨vsK g~j¨ùxwZi jvMvg †U‡b aivi †Póv K‡i‡Q hv e¨vsKmg~‡ni e¨v‡jÝ kx‡Ui e¨vcK DbœwZ NUv‡Z mnvqK f~wgKv cvjb K‡i‡Q| eZ©gv‡b AwaKvsk e¨vsK cÖavb A_©ms¯’v‡bi (core

funding) wbqš¿Yg~jK evaëvaKZv (regulatory

requirements) ¯^v”Q‡›`¨ cvjb Ki‡Z cvi‡Q| A_©eQi 11-G e¨vsKmg~‡ni gybvdv AR©‡bi nv‡iI DbœwZ n‡q‡Q| mv¤úªwZK Pvc mnbkxjZvi cixÿvi djvdj Abyhvqx, Pv‡ci Dfq `„k¨K‡íi ¸iæZ¡c~Y©fv‡e


10

Af¨šÍixY Pvj †fv‡Mi GKwU ÿz`ª Ask Avg`vwb Kiv nq| wek¦ Lv`¨ I Lv`¨ ewnf©~Z c‡Yï g~j¨ GLbIEaŸ©gyLx I Aw¯’wZkxj, wKš‘ mv¤úªwZKKv‡j Zv wbgœgyLx n‡Z ïi“ K‡i‡Q; m¤¢eZ DbœZ cwic° A_©bxwZi †`k¸‡jvmn we‡k¦i AwaKvsk †`‡ki Ges Pxb I fviZmn `ªæZ ea©bkxj D`xqgvb A_©bxwZ¸‡jvi wek¦g›`v m¤úwK©Z ivR¯^bxwZ Ges gy`ªvbxwZ ms�všÍ m¤úªmviYg~jK `„wófw½i wecixZgyLx cwieZ©‡bi mw¤§wjZ cÖfv‡ei Kvi‡Y| wek¦e¨vcx ivR¯^ I gy`ªveë¯’v wbqš¿‡Yi bZzb aviv A_©eQi 12-Gi cÖ_gv‡a© AvšÍR©vwZK evRv‡i cY¨g~j¨ cÖkwgZ Ki‡e e‡j Avkv Kiv hvq, hv cieZ©x‡Z evsjv‡`‡ki Af¨šÍixY Lv`¨ g~j¨ùxwZ‡K mshZ Ki‡e| miKvi B‡Zvg‡a¨, wbgœ Av‡qi Rb‡Mvôx‡K D”P Lv`¨g~‡jï `y‡f©vM †_‡K iÿvK‡í miKvwi gRy` †_‡K Kg g~‡j¨ Lv`¨km¨ wew� Ki‡Q| miKv‡ii �gea©gvb F‡Yi †evSv Kgv‡bvi Rb¨ hw` M¨vm, we`y¨r Ges LwbR †Z‡ji fZ©ywK g~j¨ EaŸ©gyLx ms‡kvab K‡i cybwb©a©viY Kiv nq, Z‡e A_©eQi 12-Gi cÖ_gv‡a©i cÖZ¨vwkZ Af¨šÍixY Lv`¨ g~j¨ùxwZi wecix‡Z Lv`¨ ewnf©~Z g~j¨ùxwZ evo‡Z cv‡i| G ev¯ÍeZvi †cÖwÿ‡Z, GgbwK evsjv‡`k e¨vsK AwZwi³ gy`ªv mieiv‡ni we¯—vi †_‡K D™¢~Z AwZwi³ Pvwn`v wbqš¿‡Yi e¨vcv‡i mRvM _vKv m‡Ë¡I, †fv³v g~j¨ùxwZ A_©eQi 11-Gi kZKiv 8.8 fvM †_‡K A_©eQi 12-G kZKiv 7.5 fv‡M Kwg‡q Avbvi jÿ¨gvÎv AR©‡bi P¨v‡jÄ †gvKv‡ejv Kiv KwVb n‡e|

1.32 A_©eQi 10-G Af¨šÍixY e¨vsK eë¯’v †_‡K M„nxZ miKv‡ii FY n«vm cvIqvi wecix‡Z A_©eQi 11-G my¯úófv‡e kZKiv 39.9 fvM e„w× cvq, hv ivR¯^ Av‡qi e¨vcK e„w× m‡Ë¡I êwkó¨MZfv‡e cÖv_wgK cÖv°jb †_‡K Kg bv n‡q eis †ewk n‡q‡Q| Gi cÖavb KviY nj ê‡`wkK A_©vqb K‡g hvIqv Ges RvZxq mÂq ¯‹x‡gi AvIZvq mÂqc‡Îi gybvdvi nv‡i wbgœgyLx ms‡kva‡bi Kvi‡Y bxU wew�i cwigvY n«vm cvIqvq e¨vsK-ewnf©~Z F‡Yi cwigvY K‡g hvIqv| cÿvšÍ‡i, mvwe©K ev‡RU NvUwZ (A_©eQi 11 Ges A_©eQi 12-G h_v�‡ g wRwWwcÕi kZKiv 3.9 Ges 4.4 fvM) we‡kl D‡Ø‡Mi KviY bq Ges GLv‡b A_©eQi 12-G

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1.31 A_©eQi 11-G evwl©K Mo (mvwe©K) †fv³v g~j¨m~P‡Ki wfwË‡Z g~j¨ùxwZ e„w×i nvi A_©eQi 10-Gi Zzjbvq axiMwZi wQj, †hLv‡b Lv`ëwnf©~Z g~j¨ùxwZ cÖK…Z n«vm †c‡q‡Q, c‡q›U-Uz-c‡q›U †fv³v g~j¨m~P‡Ki wfwË‡Z g~j¨ùxwZi nvi Ryb 2011 †k‡l wKQzUv n«vm †c‡q‡Q| Z_vwc, gvP© 2010 †_‡K †fv³v g~j¨m~P‡Ki wfwË‡Z c‡q›U-Uz-c‡q›U g~j¨ùxwZi nvi ¯^w¯Í`vqK mxgvi evB‡i `yB As‡K Ae¨vnZ _v‡K| wW‡m¤î 2010 †_‡K evwl©K Mo Ges c‡q›U-Uz-c‡q›U Dfq †fv³v g~j¨m~P‡Ki wfwË‡Z Lv`ëwnf©~Z c‡Yï g~j¨ùxwZi nvi `yB As‡K Ae¯’vb K‡i, hv Af¨šÍixY cÖavb Lv`¨km¨ †hgb avb, Avjy Ges Mg Drcv`‡b m‡šÍvlRbK cÖe„w× m‡Ë¡I AwaKvsk wbgœ Av‡qi RbM‡Yi Rxe‡b `y‡f©vM e‡q Av‡b| Pvj, Mg, wPwb Ges †fvR¨‡Zjmn Lv`¨ c‡Yï AvšÍR©vwZK evRvig~j¨ EaŸ©gyLx I Aw¯’wZkxj _vKvq, cÖwZ‡ekx e„nr A_©bxwZi †`k fviZmn Ab¨vb¨ Dbœqbkxj †`k¸‡jv‡ZI †fv³v g~j¨m~P‡Ki wfwË‡Z Lv`¨ g~j¨ùxwZi Ae¯’v cÖvq GKB iKg wQj| Db¥y³ wek¦ evwYR¨ eë¯’vq evsjv‡`‡ki Af¨šÍixY evRv‡i Pvj Ges Ab¨vb¨ Lv`¨c‡Yï g~j¨ AvšÍR©vwZK g~j¨ Øviv cÖfvweZ nq, GgbwK hwÌ †gvU

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1.33 A_©eQi 11-G K‡qK eQ‡ii wek¦ A_©‰bwZK g›`vZvwoZ wbgœgyLx cÖeYZv cieZ©x Avg`vwb Ges ißvwbi kZKiv 40.0 fv‡MiI †ewk D”P cÖe„w× `xN©¯’vqx n‡Z cv‡i bv Ges A_©eQi 12-G Avg`vwb Ges ißvwb Df‡qi cÖe„w× cÖvq kZKiv 15.0 fv‡M K‡g Avm‡e e‡j cÖ‡ÿcY Kiv nq| we‡`‡k kÖgevRv‡i Awfevmx kÖwgK‡ì Pvwn`vi eo ai‡bi AbyK‚j cwieZ©‡bi m¤¢vebv _vKvq A_©eQi 12-G cÖevmx‡ì †cÖwiZ A‡_©i AšÍtcÖev‡ni cÖe„w× `yÕAs‡Ki N‡i †cuŠQv‡bvi m¤¢vebv i‡q‡Q e‡j Avkv Kiv hvq| Avg`vwb m¤úwK©Z e¨vcK Pvc _vKv m‡Ë¡I A_©eQi 11-G ê‡`wkK †jb‡`‡bi PjwZ wnmv‡ei fvimv‡g¨ DØ„Ë eRvq _v‡K| cÖevmx‡ì †cÖwiZ A‡_©i AšÍtcÖev‡ni mvgvb¨ cÖe„w× m‡Ë¡I evwYR¨, †mev I Avq wnmv‡ei �gea©gvb NvUwZi Kvi‡Y, A_©eQi 12-G PjwZ wnmv‡ei fvimvg¨ NvUwZi w`‡K hv‡e g‡g© cÖ‡ÿcY Kiv n‡q‡Q| A_©eQi 11-G g~jab Ges Avw_©K wnmv‡ei bxU fvimvg¨ FYvZ¥K nIqvq mvwe©K †jb‡`b fvimvg¨ FYvZ¥K _v‡K hv A_©eQi 12-†ZI FYvZ¥K _vK‡e e‡j cÖ‡ÿcY Kiv n‡q‡Q Ges Gi cÖfve wiRv‡f©i Ici Pvc m„wó Ki‡e e‡j aviYv Kiv nq| Z‡e ê‡`wkK gy`ªvi gRy‡ì cwigvY ¯^w¯Í`vqK 11 wewjqb gvwK©b Wjv‡i Ae¨vnZ _vKv DwPZ| GKBfv‡e, A_©eQi 12-G UvKvi wewbgq nvi wKQzUv Pv‡c _vK‡e Ges A_©eQi †k‡l ê‡`wkK gy`ªvi gRy‡ì cwigvY wKQzUv n«vm cv‡e e‡j cÖ‡ÿcY Kiv

cwiKwíZ †UªRvix wej-eÛ K‡¤úvwRk‡bi kZKiv 6.0 †_‡K 94.0 fvM ch©šÍ mymgš^‡qi my‡hvM i‡q‡Q| ¯’vbxq evRv‡i GLb ch©šÍ †UªRvix e‡Ûi †m‡KÛvwi evwY‡Rï D‡jøL‡hvM¨ Dbœqb N‡Uwb, cÖvBgvwi wWjvi e¨vsKmg~‡n cÖv_wgK wbjv‡gi gva¨‡g cÖ‡qvRbxq †UªRvix eÛmg~n �‡ qi d‡j cÖK…Zc‡ÿ Zvij¨nxb m¤ú‡ì †evSv †e‡o hvq| †UªRvix wejmg~n ¯^í‡gqvw` nIqvq (GK eQi †gqvw`) G¸‡jv‡K e¨v‡jÝ kx‡U Aš—fy©³ Kiv e¨vsK¸‡jvi Rb¨ Zzjbvg~jKfv‡e myweavRbK †h‡nZz G¸‡jv‡K AwZ mn‡R †m‡KÛvwi evRv‡i †Kbv‡ePv Kiv hvq; Ges my‡ì nvi Kg nIqvq miKv‡ii RbÏ GUv F‡Yi Zzjbvg~jK Kg e¨qeûj Drm| e¨vswKs LvZ †_‡K miKv‡ii FYMÖn‡Yi †ÿ‡Î wej-e‡Ûi K‡¤úvwRk‡b we‡ji AbycvZ e„w× (D`vniY¯îƒc, kZKiv 30.0-70.0 fvM) e¨vsK¸‡jvi RbÏ myweavRbK Ges miKv‡ii RbÏ mvkÖqx| wØZxqZ, A_©eQi 12-G miKv‡ii cwiKwíZ e¨vsK-ewnf©~Z F‡Yi cwigvY cwiKwíZ e¨vsK F‡Yi cwigv‡Yi GK Z…Zxqvs‡kiI Kg; GKBmv‡_ mÂqc‡Îi my‡ì nv‡ii Av‡iK `dv cwiwgZ e„w×i (mv¤úªwZKKv‡j, wKQz BÝUªy‡g‡›Ui my‡ì nv‡ii cÖvwšÍK e„w× e¨ZxZ) d‡j e¨vs‡Ki Ici Pvwn`vi Pvc Kwg‡q mÂqc‡Îi AwaK we�‡ qi gva¨‡g miKv‡ii c‡ÿ †ewk cwigv‡Y FY MÖnY m¤¢e n‡e| e¨vswKs Lv‡Z Pvwn`vi Pv‡ci G n«v‡mi Kvi‡Y FY MÖn‡Yi LiP Kg‡e (wbjv‡g †UªRvix wej/e‡Ûi wbgœ my‡ì nvi), miKv‡ii e¨vsK I e¨vsK-ewnf©~Z FY MÖn‡Yi †ÿ‡Î G ai‡bi cybtmgš^q mva‡bi Kvi‡Y F‡Yi bxU LiP bvI evo‡Z cv‡i| mv¤úªwZK eQi¸‡jv‡Z ivóªvqË A-Avw_©K cÖwZôvb¸‡jvi gva¨‡g FY MÖn‡Yi nvi `ªæZ e„w× cv‡”Q, hv A_©eQi 11-G kZKiv 32.0 fvM nv‡i †e‡o‡Q| B‡Zvc~‡e© A‡bK iæM&Y †jvKmvwb ivóªvqË A-Avw_©K cÖwZôvb eÜ K‡i †`qv n‡q‡Q Ges Zv‡ì Kg©KZ©v I Kg©Pvix‡ì D‡jøL‡hvM¨ cwigvY †eZb cwi‡kva Kiv n‡q‡Q Ges FY `vqe×Zv‡K bZzb FY Znwe‡ji mv‡_ cybivq †Lvjv n‡q‡Q| Giƒc cybivq †Lvjvi wm×všÍ h_vh_ m¤¢ve¨Zvi g~j¨vq‡bi Ici wfwË K‡i †bqv n‡qwQj wKbv ev cybivq †Lvjv ivóªvqË A-Avw_©K cÖwZôvb¸‡jvi Kvh©vejx wbweofv‡e ch©‡eÿY Kiv nw”Qj wKbv GUv


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1.34 A_©eQi 12 Ges ZrcieZ©x mg‡qi Rb¨ gy`ªv I FYevRv‡ii AbywgZ D™¢~Z Pvwn`vi Pv‡ci mymgš^q mvab Ges evRv‡i weivRgvb ÎæwU I Am¤ú~Y©Zvi cÖwZ g‡bv‡hvM †`qv cÖ‡qvRb| †hme wel‡q ZvrÿwYK g‡bv‡hvM †`qv ìKvi †m‡jv n‡jv- A_©eQi 11-G †UªRvix wej/e‡Ûi Bì e„w×i nvi Bmyï cwigvY Abycv‡Z Kg wQj| wej/e‡Ûi w’wZi evRvig~j¨ n«vm cvIqvi mv‡_ mv‡_ Bì nvi e„w× cvq; evsjv‡`k e¨vs‡Ki bxwZ Abyhvqx e¨vsK‡jv‡K Zv‡ì †UªwWs eyK (trading book) G D”P nv‡i kZKiv 75.0 fvM wej/e‡Ûi w’wZ ivL‡Z n‡e| †UªwWs ey‡K wej/e‡Ûi w’wZ cÖwZw`‡bi cÖ‡qvRbxq gvwK©s-Uz-gv‡K©U wfwË‡Z g~j¨vq‡bi d‡j ÿwZi wnmvevqb Ki‡Z nq weavq e¨vsK‡jv Bì e„w× Ki‡Z Pvqwb| wej/e‡Ûi Bì Gi bgbxqZvi ÿwZ cywl‡q w`‡Z evsjv‡`k e¨vsK †gvU wej/eÛ Gi w’wZi cwigvY cÖ‡qvRbxq †UªwWs eyK As‡ki kZKiv 50.0 fvM n«vm K‡i‡Q| D³ nvi Av‡iv Kgv‡bvi my‡hvM i‡q‡Q, GgbwK †UªwWs eyK Gi †gvU gRy‡ì kZKiv 25.0 fvMB †m‡KÛvwi evRv‡i †UªwWs Kivi Rb¨ h‡_ó| `xN©‡gqvw` `vqe×Zvi (Rxeb exgv, cÖwf‡WÛ I †cbkb Znwej) mv‡_ `xN©‡gqvw` †UªRvix e‡Ûi Pvwn`vi wfwËi AwÍZ¡ AbybœZ i‡q‡Q, hvi d‡j cÖK…Z c‡ÿ eÛ‡jvi Zvij¨ †bB| †UªRvix e‡Ûi mw�q †m‡KÛvwi evRv‡ii Pvwn`vi wfZ Dbœq‡bi

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16

iv‡L| Gi g‡a¨, cvBKvwi I LyPiv wecYb kZKiv 14.3 fvM, cwienb, msi¶Y I †hvMv‡hvM kZKiv 10.9 fvM, wi‡qj G‡÷U, fvov I eëmv Kg©KvÊ kZKiv 7.0 fvM Ges KwgDwbwU, mvgvwRK I e¨w³MZ †mev kZKiv 6.7 fvM Ae`vb ivL‡Q| †mev Lv‡Zi mvwe©K Kg©Kv‡Êi cÖe„w× A_©eQi 10-G AwR©Z kZKiv 6.5 fv‡Mi Zzjbvq A_©eQi 11-G kZKiv 6.6 fv‡M ùvovq| wKQyUv ZviZg¨ _vKv m‡Ë¡I, cÖe„w× e¨vcKfv‡e cÖvq me DcLv‡Z cÖwZdwjZ n‡q‡Q (mviYx 2.1)| A_©eQi 11-G Avw_©K cÖvwZôvwbK †mev DcLv‡Z wbgœ cÖe„w× cwijw¶Z nq; †hLv‡b cvBKvwi I LyPiv wecYb, cwienb, msi¶Y I †hvMv‡hvM, wi‡qj G‡÷U, fvov I eëmv Kg©KvÊ, †jvK cÖkvmb I cÖwZi¶v, wk¶v, ^v’ I mvgvwRK †mev DcLv‡Z D”PZi cÖe„w× cwijwÿZ nq; †nv‡Uj I †i‡Íviuv (7.6) DcLv‡Z

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17


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e· 2.1

AšÍf©yw³g~jK cÖe…w×i †¶‡Î AeKvVv‡gvMZ Dbœq‡bi f~wgKv


18

(mvwe©K K…wl Lv‡Z Ae`vb kZKiv 56.0 fvM) A_©eQi 10-Gi kZKiv 11.4 fvM †_‡K n«vm †c‡q A_©eQi 11-G kZKiv 11.2 fv‡M ùvovq (mviYx 2.3)| cï m¤ú DcLv‡Zi Ask A_©eQi 10 Gi kZKiv 2.7 fvM †_‡K n«vm †c‡q A_©eQi 11-G kZKiv 2.6 fv‡M ùvovq| grm¨ m¤ú DcLv‡ZI A_©eQi 10-Gi kZKiv 4.5 fvM †_‡K mvgvb¨ n«vm

cÖe„w× AcwiewZ©Z _v‡K| †mev Lv‡Z cvBKvwi I LyPiv wecYb DcLv‡Zi Ae`vb kZKiv 29.0 fvM; G DcLv‡Z cÖe„w×i nvi A_©eQi 10-G AwR©Z kZKiv 5.9 fv‡Mi Zzjbvq A_©eQi 11-G kZKiv 6.1 fv‡M ùvovq| cwienb, msi¶Y I †hvMv‡hvM DcLvZ A_©eQi 11-G kZKiv 7.9 fvM e„w× †c‡q‡Q, †hLv‡b A_©eQi 10-G Gi e„w×i nvi wQj kZKiv 7.7 fvM| WvK I †Uwj‡hvMv‡hvM DcLvZ we‡klZ †gvevBj †dv‡bi cÖwZ †fv³v‡ì e¨vcK Pvwn`v D³ DcLv‡Zi cÖe„w×‡K PvwjZ Kivq G DcLv‡Z cwiwgZ cÖe„w× AwR©Z nq| A_©eQi 11-G wi‡qj G‡÷U, KwgDwbwU,mvgvwRK I e¨w³MZ †mev, fvov I eëmv Kg©KvÊ, †jvK cÖkvmb I cÖwZi¶v, wk¶v Ges ^v’¨ I mvgvwRK †mev DcLv‡Z h_v�‡ g kZKiv 4.0, 4.8, 9.6, 9.5 Ges 8.3 fvM cÖe„w× AwR©Z n‡q‡Q; †hLv‡b A_©eQi 10-G D‡jøwLZ DcLvZ‡jvi cÖe„w× wQj h_v�‡ g kZKiv 3.9, 4.7, 8.4, 9.2 Ges 8.1 fvM| Avw_©K cÖvwZôvwbK †mev (e¨vsK) Gi †¶‡Î A_©eQi 11-G kZKiv 8.8 fvM cÖÖe„w× AwR©Z n‡q‡Q, hv A_©eQi10-G AwR©Z kZKiv 10.5 fv‡Mi Zzjbvq Kg|

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Af¨šÍixY Pvwn`v 5671.0 6411.3 7242.8 8280.0†fvM 4349.7 4912.9 5547.7 6332.2 †emiKvwi 4061.4 4589.4 5175.0 5901.0 miKvwi 288.3 323.5 372.7 431.1wewb‡qvM 1321.3 1498.4 1695.1 1947.9 †emiKvwi 1050.9 1209.4 1346.9 1532.1 miKvwi 270.4 289.0 348.2 415.8m¤ú‡ì fvimvg¨ -459.1 -438.0 -459.0 -669.8 ißvwb 1110.2 1194.4 1278.0 1787.8 Avg`vwb 1569.3 1632.4 1736.9 2457.5†gvU Af¨š—ixY e¨q 5211.9 5973.3 6783.9 7610.3 †gvU †`kR Drcv`b 5458.2 6148.0 6943.2 7875.0 cvwimvswL¨K cv_©K¨ 246.3 174.7 159.4 264.7



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e· 2.1

AšÍf©yw³g~jK cÖe…w×i †¶‡Î AeKvVv‡gvMZ Dbœq‡bi f~wgKv(Pjgvb)


19

†c‡q A_©eQi 11-G kZKiv 4.4 fv‡M ùvovq| wkí Lv‡Z g¨vbyd¨vKPvwis DcLv‡Zi Ae`vb Av‡jvP¨ A_©eQ‡i e„w× cvq| AwaKš‘, wbg©vY, LwbR I Lbb, Ges we`y¨r, M¨vm I cvwb mieivn DcLv‡Zi Ask AcwiewZ©Z _v‡K| we`y¨r, M¨vm I cvwb mieivn (kZKiv 1.6 fvM) DcLv‡Zi wbgœ wnm¨v AvswkKfv‡e mieivnRwbZ evav‡K cÖwZdwjZ K‡i hv A_©bxwZi cÖe„w×i AšÍivq| †mev Lv‡Z cwienb, msi¶Y I †hvMv‡hvM, wkÿv, †jvKcÖkvmb I cÖwZiÿv DcLv‡Zi Ask wKQzUv e„w× †c‡jI †nv‡Uj I †i‡Íviuv, Avw_©K cÖvwZôvwbK †mev, ^v’¨ I mvgvwRK DcLv‡Zi Ask AcwiewZ©Z i‡q‡Q| Ab¨vb¨ DcLv‡Zi Ae`vb Av‡jvP¨ A_©eQ‡i wKQzUv n«vm †c‡q‡Q (mviYx 2.3)|

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2.10 evsjv‡`k cwimsL¨vb ey¨‡ivi Z_¨vbymv‡i, †gvU Af¨šÍixY e¨‡q †fvM e¨‡qi Ae`vb n‡jv wRwWwcÕi Abycv‡Z kZKiv 83.2 fvM; †hLv‡b wewb‡qvM e¨‡qi

mviYx 2.5 mÂq I wewb‡qvM (wRwWwcÕi kZKiv Ask wn‡m‡e)

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20

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26

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33

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35

gy`ªvi Avq MwZ

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5.65

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5.62

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6.33

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13.16

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12.78

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6.42

6.60

6.48

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5.31

5.35

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48

ch©vßZv, m¤ú‡ì ¸YMZ gvb, eë¯’vcbv, DcvR©b ÿgZv, Zvij¨ I evRvi SuywKi cÖwZ ms‡e`bkxjZvi wfwË‡Z wbY©q Kiv nq Ges (2) mshy³ K¨v‡gjm& †iwUs, hv e¨vs‡Ki mvwe©K Avw_©K Ae¯’vi wfwË‡Z wbYx©Z n‡q _v‡K| K¨v‡gjm& †iwUs Ô 1-5Õ †¯‹ ‡j wbY©q Kiv nq Ges Ô 1Õ Gi gva¨‡g DrK…óZg ev me‡P‡q fvj †iwUs wb‡`©k Kiv nq| Aciw`‡K Ô 5Õ Gi gva¨‡g wbK…óZg ev me‡P‡q Lvivc †iwUs †evSv‡bv nq| †Kvb e¨vs‡Ki mshy³ K¨v‡gjm& †iwUs Ô 4Õ ev Ô 5Õ A_v©r Ô cÖvwšÍKÕ ev Ô Am‡šÍvlRbKÕ wbY©xZ n‡j mvaviYZ H e¨vsKwU‡K Ô cÖe‡jg e¨vsKÕ wn‡m‡e wPwýZ Kiv nq Ges Giƒ c mgm¨v� všÍ e¨vs‡Ki Kvh©vejx I Avw_©K Ae¯’v evsjv‡`k e¨vsK KZ…©K wbweofv‡e ch©‡eÿY Kiv nq|

5.31 e¨vsK¸‡jvi K¨v‡gjm& m~P‡Ki gva¨‡g wPwýZ `ye©jZv `~i Kivi Rb¨ evsjv‡`k e¨vsK gvP© 2005 n‡Z Avwj© Iqvwb©s wm‡÷g (EWS) mycviwfkb c×wZ cÖeZ©b K‡i‡Q| †Kvb e¨vs‡Ki Kvh©�‡ g `ye©jZv cwijw¶Z n‡j Zv‡K EWS Gi AvIZvq wb‡q Avmv nq Ges wbweofv‡e ch©‡e¶‡Yi gva¨‡g Gi Kvh©�‡ gi gv‡bvbœ q‡b mnvqZv Kiv nq| eZ©gv‡b 2wU e¨vsK‡K EWS Gi Aax‡b ch©‡e¶Y Kiv n‡” Q|

5.32 wW‡m¤î 2010-G 5wU e¨vs‡Ki †iwUs 1 ev Ô kw³kvjxÕ , 32wU e¨vs‡Ki †iwUs 2 ev Ô m‡šÍvlRbKÕ , 7wU e¨vs‡Ki †iwUs 3 ev Ô †gvUvgywU fvjÕ , 2wU e¨vs‡Ki †iwUs 4 ev Ô cÖvwšÍKÕ Ges 1wU e¨vs‡Ki †iwUs 5 ev Ô Am‡šÍvlRbKÕ wQj|

A_ev `vqnxb Aby‡gvw`Z miKvwi wmwKDwiwUR �‡ qi gva¨‡g msi¶Y Ki‡Z nq| Bmjvgx kixqvn& wfwË‡Z cwiPvwjZ e¨vsK¸‡jvi SLR Gi cwigvY kZKiv 11.5 fvM| †ewmK e¨vsK e¨ZxZ Ab¨vb¨ we‡klvwqZ e¨vsK¸‡jv‡K SLR msi¶‡Yi evaëvaKZv n‡Z Ae¨vnwZ †`qv n‡q‡Q| e¨vsK¸‡jvi Zjwe I †gqvw` `v‡qi (AvšÍte¨vsK AvgvbZ e¨ZxZ) wfwË‡Z kZKiv nv‡i wbY©xZ Zvij¨ wb‡`©kK chv©‡jvPbvq †`Lv hvq †h, 2010 mv‡j e¨vsK¸‡jvi AwZwi³ Zij m¤ú` _vK‡jI Zv weMZ `yB eQ‡ii Zzjbvq Kg wQj |

5.29 mviYx 5.11 Ges PvU© 5.10 n‡Z †`Lv hvq †h, we‡`kx evwYwR¨K e¨vsK¸‡jvi ci ivó ªxq gvwjKvbvaxb e¨vsK¸‡jvi Zij m¤ú` msiÿ‡Yi nvi m‡e©v” P wQj| e¨vsK¸‡jvi Zvij¨ DØ „Ë n«vm cvIqvi d‡j wKQz wKQz †ÿ‡Î Avw_©K evRv‡ii Ici Pvc m„wó n‡q‡Q |

K¨v‡gjm& †iwUs

5.30 e¨vsKmg~‡ni Avw_©K my¯’Zv wbY©‡qi cvkvcvwk mgm¨v� všÍ Ges wbweo Z`viwK cÖ‡qvRb Giƒ c e¨vsK wPwýZKi‡Y mycviwfk‡bi GKwU AZ¨šÍ ¸iæZ¡ c~Y© I Kvh©Ki nvwZqvi wn‡m‡e K¨v‡gjm& †iwUs wbYx©Z I eëüZ n‡q _v‡K| K¨v‡gjm& †iwUs Gi AvIZvq e¨vsK¸‡jv‡K `yB cÖKvi †iwUs Av‡iv‡ci gva¨‡g g~j¨vqb Kiv nq| (1) Dcv`vb wfwËK cvidi‡gÝ †iwUs, hv K¨v‡gjm& Gi QqwU Dcv`vb A_v©r g~jab

mviYx 5.12 Bmjvgx e¨vswKs Lv‡Zi Zzjbvg~jK wPÎ (wW‡m¤î 2010 †k‡l)(wewjqb UvKv)

weeiYBmjvgx e¨vsK cÖPwjZ e¨vs‡Ki

Bmjvgx kvLvBmjvgx

e¨vswKs LvZmKj Zdwmwj

e¨vsK

e¨vs‡Ki msL¨v†gvU AvgvbZ †gvU wewb‡qvM wewb‡qvM-AvgvbZ AbycvZZvij¨ t DØ „Ë (+)/NvUwZ (-)*

7627.6587.293.625.5

7470.2456.096.9833.8

1648.041.686.70.5

962.436.959.1

--

23675.6628.7

93.126.0

16532.6492.992.5

--

473858.93297.5

85.5211.8

473037.82439.8

80.3335.0

2010 2009 2010 2009 2010 2009 2010 2009

1 2 3 4=2+3 5

* cÖPwjZ e¨vsK¸‡jvi Bmjvgx e¨vswKs kvLv/kvLv¸‡jv Avjv`vfv‡e GmGjAvi msi¶Y K‡i bv| mswkøó e¨vs‡Ki cÖavb Kvh©vjq mgwš^Zfv‡e GmGjAvi msi¶Y Ges Zvij¨ DØ „Ë/NvUwZ wnmve K‡i _v‡K|


49

e¨vsK †Kv¤úvbxi †hvM¨ †i¸‡jUwi g~jab

e¨vsK I Avw_©K cÖwZôvb¸‡jv‡K D” PgvÎvi `vqwbf©i cÖwZôvb wn‡m‡e MY¨ Kiv nq| g~ja‡bi Zzjbvq D‡jøL‡hvM¨ gvÎvq AwaK

AvgvbZ I Ab¨vb¨ `vq MÖnY Kivi Kvi‡Y G ai‡bi cÖwZôvb¸‡jvi ÿwZi cwigvY Gi †gvU g~jab‡K AwZ� g Kivi m¤¢ vebv

_v‡K| ZvB m¤¢ ve¨ I AbvKvw• ¶Z ÿwZ †gvKv‡ejv K‡i AvgvbZKvix‡ì ¯^v_© iÿv I cÖwZôvbwUi my`„p Ae¯’v‡b wU‡K _vKv

wbwðZK‡í e¨vsK I Avw_©K cÖwZôvb¸‡jvi ch©vß gvÎvq g~jab msiÿY Kiv evÃbxq| Zv‡ì‡K †kÖYxK…Z F‡Yi wecix‡Z

†¯úwmwdK cÖwfkb ev FY-ÿwZ cÖwfkb ivL‡Z nq| G mKj cÖwfkb¸‡jv e¨vs‡Ki †kªYxK…Z FY I AwMÖg n‡Z D™¢ ~Z m¤¢ ve¨ ÿwZ

†gvKv‡ejvi Rb¨ mnvqK Znwej| G Znwej cÖwZôv‡bi Avq n‡Z msiwÿZ nq, hv †i¸‡jUwi g~ja‡bi Ask wn‡m‡e ¯^xK…Z bq|

e¨v‡mj KwgwU Ab e¨vswKs mycviwfkb Gi ÔInternational Convergence of Capital Measurement and Capital StandardÕ

cÖKvkbvq e¨vsK I Avw_©K cÖwZôvb¸‡jvi mvwe©K SuywK †gvKv‡ejvi Rb¨ cÖ‡qvRbxq †i¸‡jUwi g~jab ch©vßZvi nvi wba©vi‡Yi

msÁv cÖ`vb Kiv n‡q‡Q|

Ô gyL¨ g~jabÕ (wUqvi-1) I Ô m¤ú~iK g~jabÕ (wUqvi-2 I 3) Gi mgš^‡q †hvM¨ †i¸‡jUwi g~jab MwVZ nq| evsjv‡`‡k wUqvi-1

g~jab Gi Dcv`vb¸‡jv n‡jv: Av`vqK…Z g~jab, A‡diZ‡hvM¨ †kqvi wcÖwgqvg wnmve, wewae× msiw¶Z Rgv, mvaviY msi¶Y,

AewÈZ gybvdv, mnvqK cÖwZôv‡bi gvBbwiwU ¯^Z¡ , n¯ÍvšÍi A‡hvM¨ A‡hvwRZ AMÖvwaKvi †kqvimg~n Ges jf¨vsk mgZvqb wnmve|

Ô m¤ú~iK g~jabÕ (wUqvi-2) Gi Dcv`vb¸‡jv n‡jv: mvaviY ms¯’vb, cybtg~j¨vqb msi¶Y [ cybtg~j¨vqbK…Z ¯’vqx m¤ú` I

wmwKDwiwUR Gi 50%, Ges cybtg~j¨vqbK…Z BKz¨BwU BÝUªy‡g›U Gi 10%] , Ab¨vb¨ AMÖvwaKvi †kqvimg~n hv wUqvi-1 g~jab Gi

Rb¨ †hvM¨ bq, `xN©‡gqvw` Aat¯Íb `vq (Long-Term Subordinated Debt)| 5 eQi ev Z`& wbgœ wKš‘ 2 eQi ev Z`~aŸ ©

†gqv`m¤úbœ ¯^í‡gqvw` Aat¯Íb `vq (Short-term sub-ordinated debt) AwZwi³ m¤ú~iK g~jab wn‡m‡e wUqvi-3 G AšÍfy©³

n‡e Ges Zv ïaygvÎ evRvi SuywK †_‡K D™¢ ~Z g~jab `v‡qi GKwU Ask c~iYv‡_© eëüZ n‡e|

evsjv‡`‡k eZ©gv‡b cÖPwjZ wewa Abymv‡i 400 †KvwU UvKv ev SzuwK fvixZ m¤ú‡ì kZKiv 10 fvM G `ywUi g‡a¨ †hwU †ewk

†mUvB n‡e GKwU e¨vs‡Ki b~¨bZg g~jab| b~¨bZg g~jab msiÿY e¨wZ‡i‡K †Kvb e¨vsK eëmv ïiæ ev cwiPvjbv Kivi Rb¨

†hvM¨ we‡ewPZ n‡e bv| GQvov, AvgvbZKvix‡ì ¯^v_© msiÿ‡Yi R‡b¨ e¨vsK¸‡jvi chv©ß g~jab msiÿY wbwðZ Ki‡Z n‡e|

Gj‡ÿ, SzuwK fvixZ m¤ú` wbY©‡q †h mKj SzuwK we‡ePbvq Avbv nqwb †m mg¯Í SzuwKi Rb¨ cÖ‡qvRbxq AwZwi³ g~jab, b~¨bZg

g~ja‡bi mv‡_ †hvM K‡i †h g~jab wbYx©Z n‡e ZvB n‡e GKwU e¨vs‡Ki chv©ß g~jab| SzuwK fvixZ m¤ú` wbY©‡qi †ÿ‡Î FY,

evRvi I cwiPvjbv SuywK we‡ePbv Kiv nq| G QvovI evsjv‡`k e¨vsK Ab¨vb¨ SzuwK¸‡jv‡K wb‡gœ v³fv‡e wPwýZ K‡i‡Q hvi

wecix‡Z g~jab msiÿY Ki‡Z n‡e| Ab¨vb¨ SzuwKmg~n n‡jv : †iwmWzqvj SuywK (WKz‡g›U ms� všÍ Î“wU, cÖ`Ë Rvgvb‡Zi

g~j¨vqbMZ ÎæwU I UvKvi mgqg~j¨), †Kvi wi¯‹ eë¯’vcbv g‡Wjmg~n ev¯Íevqb bv Kivi SuyuwK, FY †K›`ªxf~ZKiY SuywK, my` nvi

SzuwK, Zvij¨ SzuwK, mybvgÿz‡Yœ i SzuwK, †m‡Uj& ‡g›U SzuwK, ÷ª¨v‡UwRK cøvwbs Gi ÎæwUMZ SzuwK Ges cwi‡ek I RjevqyMZ

ÿwZmva‡bi SzuwK BZ¨vw`| Gfv‡eB SuywKmg~‡ni mvgwMÖK eë¯’vcbvi gvÎvi mv‡_ e¨v‡mj-2 †Kvb e¨vsK I Avw_©K cÖwZôv‡bi

g~jab cª‡qvRbxqZv‡K mshy³ K‡i‡Q|

evsjv‡`‡k cwiPvwjZ e¨vsK¸‡jvi Rb¨ g~jab ch©vßZvi nvi (CAR) SzuwK fvixZ m¤ú` (RWA) Gi 10% Gi AwaK

(CAR 10% of RWA) eRvq ivL‡Z nq | GKwU e¨vs‡Ki †gvU †hvM¨ †i¸‡jUwi g~ja‡bi cwigvY‡K †gvU SzuwK fvixZ m¤ú‡ì

cwigvY Ø viv fvM K‡i g~jab ch©vßZvi nvi wbY©q Kiv nq| Guidelines on 'Risk Based Capital Adequacy for Banks

(RBCA)'- G ewY©Z wb‡`©kbv †gvZv‡eK SzuwK fvixZ m¤ú` wbY©q Ki‡Z n‡e| e¨v‡mj-2 Gi mycvwik Abyhvqx evsjv‡`‡k SzuwK

fvixZ m¤ú` wbY©‡qi wbwg‡Ë ÷¨vÛviWvBR& W G¨v‡cÖvP Ø viv FY SzuwK, ÷¨vÛviWvBR& W †gRvi‡g›U †g_W Ø viv evRvi SzuwK Ges

†ewmK BwÛ‡KUi G¨v‡cÖvP Ø viv cwiPvjb SzuwK cwigvc Ki‡Z nq|

e· 5.1

e¨vsK †Kv¤úvbxi †hvM¨ †i¸‡jUwi g~jab

†hvM¨ †i¸‡jUwi g~jab wbiƒ c‡Yi Rb¨ evsjv‡`‡k cwiPvwjZ e¨vsK¸‡jv‡K Zv‡ì wUqvi-1 g~jab n‡Z wKQz Dcv`vb (hw` _v‡K)

we‡qvRb Kiv Avek¨K †hgbt mybvg I Abyiƒ c A`„k¨ m¤ú‡ì e¨vs‡Ki e¨v‡jÝkx‡U cÖ`wk©Z g~j¨, †kªYxK…Z F‡Yi wecix‡Z

iwÿZe¨ cÖwfkb NvUwZ, †kqv‡i wewb‡qv‡Mi wecix‡Z iwÿZe¨ cÖwfkb NvUwZ, wmwKDwiwU‡R wewb‡qvM wnmv‡ei cybtg~j¨vqbRwbZ

bxU NvUwZ, e¨vsKmg~n KZ…©K BKz¨BwU g~jab/ Aat¯Íb `vq Gi cvi¯úvwiK aviY (reciprocal cross holding), e¨vsK †Kv¤úvbx

AvB‡bi 26 (2) avivq Aby‡gvw`Z mxgvi AwZwi³ †kqvi aviY, Ges mvewmwWqvix cÖwZôv‡b wewb‡qvM (hw` mgwš^Z wnmve

weeiYx cª¯‘ Z Kiv bv nq)| GKB fv‡e wUqvi-2 g~jab n‡Z we‡qvRb‡hvM¨ hw` †Kvb Dcv`vb cwijwÿZ nq| Z‡e, Zv ev` w`‡q

†hvM¨ wUqvi-2 g~jab wbiƒ cY Ki‡Z n‡e| †hvM¨ wUqvi-1, wUqvi-2 I wUqvi-3 mgwóK…Z n‡q †gvU †hvM¨ †i¸‡jUwi g~jab

wbYx©Z n‡e|

wek¦ e¨vsK, AvšÍR©vwZK A_© Znwej Ges e¨v‡mj KwgwU Ab e¨vswKs mycviwfkb g~jab ch©vßZv hvPvB‡qi Rb¨ †÷ªm †U÷ Kivi

mycvwik K‡i‡Q| GB †U÷ Avw_©K cÖwZôv‡bi Kvh©�‡ gi m‡½ m¤úwK©Z wKQz SuywKi eë¯’vcbvq Avmbœ NvZ AbyNUK Abyhvqx

cwiwgZ g~jab wK cwigvY nIqv cÖ‡qvRb Zv wba©vi‡Y mvnvh¨ K‡i| e¨v‡mj KwgwU Ab e¨vswKs mycviwfkb m¤úÖwZ AvšÍR©vwZK

†i¸‡jUwi †dªgIqvK© e¨v‡mj-3 cÖYqb I Aby‡gv`b K‡i‡Q| GB †i¸‡jkb Abyhvqx Avw_©K cÖwZôv‡bi m¤ú‡ì AvKvi, m¤ú‡ì

Zvij¨ I eëmvi MwZ we‡ePbvq SzuwK‡ivaK g~jab Znwej (capital buffer) msiÿY Gi gZ GKwU g¨v‡� v cÖæ‡Wb& wkqvj Av” Qv`b

hy³ K‡i‡Q| GB wb‡`©kbv Abyhvqx b~¨bZg g~jab Gi AwZwi³ SzuwK fvixZ m¤ú‡ì 2.5% Gi mgcwigvY wUqvi-1 g~jab Ø viv

Capital conservation buffer MwVZ n‡e| evsjv‡`‡k e¨v‡mj-3 †i¸‡jkb ev¯Íevq‡bi welqwU cÖw� qvaxb i‡q‡Q|

e· 5.1

(Pjgvb)


50

mKj Bmjvgx e¨vsK Ges cÖ_vMZ e¨vsK¸‡jvi Bmjvgx e¨vswKs kvLv¸‡jvi †gvU wewb‡qv‡Mi cwigvY ùvwo‡q‡Q 628.7 wewjqb UvKv, hv †`‡ki mgMÖ e¨vswKs Lv‡Zi †gvU wewb‡qv‡Mi kZKiv 19.1 fvM|

AvgvbZ exgv ¯‹xg

5.34 AvgvbZKvix‡ì ¯^v_© myi¶vi Rb¨ 1984 m‡bi AvM÷ gv‡m evsjv‡`‡k AvgvbZ exgv ¯‹ xg cÖeZ©b Kiv nq| e¨vs‡Ki AvgvbZKvix‡ì Znwe‡j SuywK n«vm ev b~¨bZg ch©v‡q bvwg‡q Avbvi j‡¶ G ¯‹ xg Pvjy Kiv n‡q‡Q| eZ©gv‡b evsjv‡`‡ki AvgvbZ exgv Kvh©� g Ô e¨vsK AvgvbZ exgv AvBb, 2000Õ Gi AvIZvq cwiPvwjZ n‡” Q| †Kvb e¨vsK AemvwqZ n‡j Gi ¶y`ª AvgvbZKvix‡ì mxwgZ cwigv‡Y (hv 1.00 j¶ UvKvi †ewk bq) myi¶v cÖ`v‡bi Rb¨ AvgvbZ exgv Uªv÷ Znwej (DITF) MVb Kiv n‡q‡Q| evsjv‡`k e¨vs‡Ki cwiPvjK cl©` DITF Gi Uªvw÷ †evW© wn‡m‡e `vwqZ¡ cvjb K‡i _v‡K| Uªvw÷ †ev‡W©i ZË¡ veav‡b DITF

Bmjvgx e¨vswKs

5.33 evsjv‡`‡k cÖ_vMZ (Conventional) my` wfwËK e¨vswKs c×wZi cvkvcvwk BmjvwgK e¨vswKs Kvh©� g ïiæ nq 1983 mv‡j| A_©eQi 11-G evsjv‡`‡k 47wU e¨vs‡Ki g‡a¨ 7wU †emiKvwi e¨vsK c~Y©v½ Bmjvgx e¨vsK Ges 16wU cÖPwjZ e¨vsK BmjvwgK e¨vswKs Kvh©� g cwiPvjbv Ki‡Q| 1983 mvj †_‡K wW‡m¤î 2010 ch©šÍ A_©bxwZi Dbœ q‡bi mv‡_ Zvj wgwj‡q BmjvwgK e¨vswKs LvZI †Rviv‡jv cÖe„w× eRvq †i‡L‡Q| mgMÖ e¨vswKs Lv‡Z m¤ú`, A_©vqb Ges AvgvbZ we‡ePbvq Bmjvgx e¨vswKs Lv‡Zi ewa©Z gv‡K©U †kqvi Gi gva¨‡g G cÖwZdjb N‡U‡Q| mviYx 5.12 G Bmjvgx e¨vs‡Ki Kvh©�‡ gi GKwU mswÿß wPÎ cÖ`k©b Kiv n‡q‡Q| wW‡m¤î 2010 †k‡l mKj Bmjvgx e¨vsK Ges cÖPwjZ e¨vsK¸‡jvi Bmjvgx e¨vswKs kvLv¸‡jvi †gvU Avgvb‡Zi cwigvY ùvwo‡q‡Q 675.6 wewjqb UvKv, hv mgMÖ e¨vswKs Lv‡Zi †gvU Avgvb‡Zi kZKiv 17.5 fvM| wW‡m¤î 2010 †k‡l

evsjv‡`‡k MÖxb (cwi‡ekevÜe) e¨vswKs

evsjv‡`‡ki cwi‡ek cwiw¯’wZi AebwZ n‡” Q| cwi‡e‡ki AebwZ †iva Ges GKwU †UKmB e¨vswKs eë¯’v wbwðZ Kivi j‡ÿ

evsjv‡`k e¨vsK KZ…©K e¨vsK¸‡jvi Rb¨ GKwU w`K wb‡`©kbvg~jK cwi‡ekevÜe e¨vswKs bxwZgvjv Ges †KŠ kjMZ KvV v‡gv cÖYqb

Kiv n‡q‡Q |

cwi‡ekevÜe e¨vsK ej‡Z ˆ bwZK, mvgvwRKfv‡e `vqe× I †UKmB e¨vswKs eë¯’v‡K eySvq, hv cvwb, Av‡jv, evZvm, kw³ I

m¤ú` eënv‡i `ÿ| G ai‡bi e¨vswKs cwi‡e‡ki Rb¨ ÿwZKi bq Ges cwi‡ek iÿvq mnvqK Ggb Kg©Kv‡Ê Avw_©K †mev

cÖ`vb K‡i _v‡K| cwi‡ekevÜe A_©vqb m¤ú` mvkÖqx Ges ¯^í Kve©b wbtmiYKvix wk‡í A_©vr mvaviYfv‡e cwi‡ekevÜe wkí

Ges cwi‡ekevÜe A_©bxwZ‡Z DËi‡Y mnvqZv K‡i| cwi‡ekevÜe e¨vswKs cY¨ n‡jv †m¸‡jv hv cwi‡e‡ki Dci AbyK‚j cÖfve

we¯Ív‡i mnvqZv K‡i| cwi‡ek myi¶vq cÖ‡qvRbxq Kvh©� g MÖnY mv‡c‡¶ cwi‡e‡ki Rb¨ SuywKc~Y© Ggb wk‡í A_©vq‡bi gva¨‡g

e¨vswKs LvZ cwi‡ek i¶vq ¸i“Z¡ c~Y© f~wgKv cvjb Ki‡Z cv‡i|

wkí cÖwZôv‡b Effluent Treatment Plants (ETP) ¯’vc‡bi Rb¨ Gjwm †Lvjv, †mŠ ikw³, ev‡qvM¨vm I ETP ¯’vc‡b A_©vq‡bi

†ÿ‡Î MÖvnK‡K m‡e©v” P mn‡hvwMZv cÖ`vb, mvgvwRK `vqe×Zv (wmGmAvi) MvBWjvBb cwicvjb (cwi‡ek Ges mvgvwRKfv‡e

`vqe× Kvh©� g wbwðZK‡í e¨vsK cÖkvm‡bi m‡e©v” P ch©vq‡K G‡Z m¤ú„³ Kivi K_v ejv n‡q‡Q) Ges cwi‡ekMZ I mvgvwRK

cÖfve ch©‡eÿ‡Y FY MÖnxZv‡ì‡K m¤ú„³ Kivi Rb¨ evsjv‡`k e¨vsK e¨vsK¸‡jv‡K wb‡`©kbv cÖ`vb K‡i‡Q| MÖvnK‡ì‡K

B›Uvi‡b‡Ui gva¨‡g BDwUwjwU wej cwi‡kva, ¯’vbxq gy`ªvq A_© ¯’vbvšÍi I †jb‡`bmn Ab-jvBb e¨vswKs myweav cÖ`v‡bi j‡ÿ

e¨vsK¸‡jv‡K B-Kgvm© Kvh©�‡ gi AvIZvq Avbv n‡q‡Q| ev‡qvM¨vm cø¨v›U, †mŠ ikw³ cø¨v›U, ETP Ges BUfvUvq Hybrid

Hoffman kiln (HHK) ¯’vc‡bi Rb¨ evsjv‡`k e¨vsK 200 †KvwU UvKvi cybtA_©vqb ¯‹ xg Pvjy K‡i‡Q|

Rjevqy cwieZ©‡bi weiƒ c cÖfve we‡ePbvq e¨vsK¸‡jv‡K cÖvK…wZK `y‡h©v‡Mi wel‡q mZK© _vKv Ges K…lK‡ì‡K jeYv³ GjvKvq

jeYv³Zv mwnòz dmj Pvl, Liv cÖeY GjvKvq Liv mwnòz dmj Pv‡l DrmvwnZ Kivi Rb¨ civgk© †`qv n‡q‡Q| †mP Kv‡Ri

Rb¨ f‚-Mf©¯’ cvwbi cwie‡Z© f‚-Dcwiw¯’Z cvwbi eënvi, ivmvqwbK mvi I KxUbvk‡Ki cwie‡Z© ˆ Re mvi I cÖvK…wZK c×wZ‡Z

evjvB/KxUbvkKi‡Y K…lK‡ì‡K DrmvwnZ Kivi RbÏ e¨vsK¸‡jv‡K wb‡`©kbv †`qv n‡q‡Q |

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e· 5.2

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51

evsjv‡`‡k MÖxb (cwi‡ekevÜe) e¨vswKs

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52

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5.36 e¨v‡mj-2 Gi Av‡jv‡K evsjv‡`k e¨vsK 2009 mb n‡Z e¨vsKmg~‡ni Rb¨ SzuwK wfwËK g~jab ch©vßZvi (RBCA) †d«gIqvK© cªeZ©b K‡i‡Q| e¨v‡mj-1 Gi mv‡_ mgvšÍivjfv‡e Abymi‡Yi ci Rvbyqvwi 2010 n‡Z e¨v‡mj-2 †i¸‡jUwi Kgcøv‡qÝ wn‡m‡e c~Y©v½fv‡e ev¯ÍevwqZ n‡” Q| g~jab ch©vßZvi bZzb †d«gIqv‡K©i Av‡jv‡K m¤¢ ve¨ mKj SzuwKi mwVK g~j¨vqb K‡i e¨vsK¸‡jv Zv‡ì wi¯‹ †cÖvdvB‡ji wecix‡Z chv©ß g~jab msi¶Y Ki‡Q wKbv, Zv wbwðZKi‡Yi `vwqZ¡ evsjv‡`k e¨vsK cvjb Ki‡Q| e¨vsK¸‡jv‡K 11 AvM÷ 2011 †_‡K b~¨bZg g~jab 4.0 wewjqb UvKv, Zb¥ ‡a¨ cwi‡kvwaZ g~ja‡bi cwigvY Kgc‡¶ 2.0 wewjqb UvKvq Dbœ xZKi‡Yi Rb¨ wb‡`©kbv cÖ`vb Kiv n‡q‡Q| GQvov, we`¨gvb SzuwKwfwËK g~jab ch©vßZvi bxwZ (policy) Gese¨vsK¸‡jvi c~‡e©i g~jab ch©vßZvi cÖwZ‡e`b (reporting) we‡ePbvq wb‡q evsjv‡`k e¨vsK 2010 m‡b b~¨bZg g~jab ch©vßZvi nvi (CAR) Ges b~¨bZg cÖ‡qvRbxq g~jab (MCR) ch©v‡jvPbv K‡i‡Q| RyjvB 2011 n‡Z e¨vsK¸‡jv‡K SzuwK wfwËK m¤ú‡ì kZKiv

cwiPvjbv Kiv n‡” Q| eZ©gv‡b evsjv‡`k e¨vsK AvšÍR©vwZK AvgvbZ exgv G‡mvwm‡qkb (IADI) Gim`m¨| Ryb 2011 ch©šÍ DITF Gi †gvU m¤ú‡ì cwigvY ùvovq 17.9 wewjqb UvKv, hvi g‡a¨ 17.7 wewjqb UvKv ivó ªxq wmwKDwiwU‡R wewb‡qvM Kiv n‡qwQj| Rvbyqvwi 2007 n‡Z ms‡kvwaZ SuywK wfwËK wcÖwgqvg nvi cÖeZ©b Kiv n‡q‡Q| bZzb Zdwmj †gvZv‡eK cÖe‡jg e¨vsK¸‡jv‡K Zv‡ì Avgvb‡Zi kZKiv 0.09 fvM Ges Ab¨vb¨ e¨vsK¸‡jv‡K Zv‡ì Avgvb‡Zi kZKiv 0.07 fvM wcÖwgqvg wn‡m‡e Rgv w`‡Z n‡e| Rbmvavi‡Yi AeMwZ I e¨vswKs Lv‡Z †c‡g›U wm‡÷g Gi w¯’wZkxjZvi Rb¨ AvgvbZ exgv ¯‹ xg ms� všÍ Z_¨ h_v - Gi cÖK…wZ, cwiPvjb c×wZ, Kfv‡i‡Ri AvIZv, wcÖwgqvg nvi Ges me©‡kl wbixw¶Z w¯’wZcÎ (30 Ryb 2010 Abyhvqx) evsjv‡`k e¨vs‡Ki I‡qemvB‡U cÖKvk Kiv n‡q‡Q| cÖm½Z D‡j-L¨ †h, DITF Gi Uªvw÷ †evW© wn‡m‡e evsjv‡`k e¨vs‡Ki cwiPvjK cl©` m¤úªwZ bZzb SuywKwfwËK wcÖwgqvg nvi Ges Kfv‡i‡Ri cwigvY wba©viY K‡i‡Q, hv miKv‡ii Aby‡gv`b�‡ g ev¯Íevqb Kiv n‡e|

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53

10.0 fv‡Mi mgcwigvY ev Z`~aŸ © g~jab ch©vßZvi nvi (CAR) msiÿY Ki‡Z n‡e| e¨v‡mj-2 Gi wcjvi-1 Abyhvqx †� wWU wi¯‹ , gv‡K©U wi¯‹ Ges Acv‡ikbvj wi¯‹ Gi wecix‡Z e¨vsKmg~‡ni SzuwK wfwËK m¤ú` wnmvevqb Ki‡Z n‡e| cÖwZ ˆ ÎgvwmK A‡šÍ g~jab ch©vßZvi weeiYx evsjv‡`k e¨vs‡K `vwL‡ji Rb¨ e¨vsK¸‡jv‡K wb‡`©kbv cÖ`vb Kiv n‡q‡Q|

eZ©gv‡b evsjv‡`k e¨vsK SzuwKwfwËK g~jab ch©vßZvi (RBCA) †d«gIqv‡K©i wcjvi-2 (Supervisory

review process) ev¯Íevq‡bi KvR Ki‡Q| ZË¡ veavb ch©v‡jvPbv c×wZ (Supervisory review process)-Gi g~j bxwZ nj Òe¨vsK¸‡jv‡Z wi¯‹ †cÖvdvB‡ji Av‡jv‡K mvgwMÖK g~jab ch©vßZv wbiƒ c‡Yi Rb¨ GKwU cÖw� qv Ges ch©vß gvÎvq g~jab msiÿ‡Yi Rb¨ GKwU †KŠ kj _vK‡Z n‡eÓ| e¨vsK¸‡jv‡K GKwU GmAviwc Uxg MV‡bi Rb¨ wb‡`©kbv cÖ`vb Kiv n‡q‡Q †hLv‡b wi¯‹ g¨v‡bR‡g›U BDwbU n‡” Q GKwU Awe‡” Q`¨ Ask| GQvov e¨vsK¸‡jv‡K Zv‡ì mvgwMÖK wi¯‹ †cÖvdvBj wbiƒ c‡Yi Rb¨ Internal Capital Adequacy

Assessment Process (ICAAP) kxl©K GKwU cÖ‡mm WKz‡g›U cÖYqb Kivi wb‡`©kbv cÖ`vb Kiv n‡q‡Q| ch©vß g~jab ej‡Z mKj cÖKvi eëmvwqK SzuwK †gvKv‡ejvi Rb¨ h‡_ó cwigvY g~jab‡K eySv‡bv n‡q‡Q| e¨v‡mj 2-†Z wi¯‹ g¨v‡bR‡g›U Gi gvÎvi mv‡_ g~jab‡K m¤úwK©Z Kiv n‡q‡Q| Kv‡RB e¨vsK¸‡jv‡Z Zv‡ì SzuwK¸‡jv Z`viwK Ges †gvKv‡ejv Kivi Rb¨ m‡e©v” P Abykxjb‡hvM¨ SzuwK eë¯’vcbv †KŠ kj _vK‡Z n‡e| ZË¡ veavb ch©v‡jvPbv g~j¨vqb c×wZ ev Supervisory review evaluation

process (SREP) Gi g‡a¨ e¨vsK¸‡jvi GmAviwc Uxg Gi mv‡_ Zv‡ì ICAAP ms� všÍ ch©‡eÿY/g~j¨vqb wel‡q evsjv‡`k e¨vs‡Ki msjvc AšÍf©y³| D³ msjvcKv‡j evsjv‡`k e¨vsK mswkøó e¨vs‡Ki b~¨bZg cÖ‡qvRbxq g~ja‡bi wecix‡Z ch©vß g~ja‡bi cwigvY wbY©q Ki‡e| Av‡jvP¨ msjvc mnRZi Kivi j‡ÿ evsjv‡`k e¨vs‡Ki cÿ †_‡K GKwU cÖ‡mm WKz‡g›U cÖYqb Kiv n‡q‡Q, hv evsjv‡`k e¨vs‡Ki I‡qemvB‡U cÖKvk Kiv n‡q‡Q| G cÖ‡mm

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5.39 Rjevqy cwieZ©bRwbZ AiwÿZ †`k¸‡jvi g‡a¨ evsjv‡`k Ab¨Zg| cwi‡e‡ki Aeÿq †iv‡a evsjv‡`‡ki Avw_©K cÖwZôvb¸‡jv ¸iæZ¡ c~Y© Ae`vb ivL‡Z cv‡i| D‡jøL¨, GKwU kw³kvjx Ges cwi‡ekevÜe e¨vswKs wm‡÷g M‡o †Zvjvi Rb¨ MÖxb e¨vswKs ms� všÍ GKwU wek` cwjwm MvBWjvBÝ cÖYqb Kiv n‡q‡Q (e·-5.2)|

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5.40 FYmyweav cÖ`v‡bi c~‡e© cwi‡ekMZ SzuwKmn FYSzuwK we‡ePbvq G‡b mvgwMÖK †� wWU †iwUs

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K…lK‡ì Rb¨ e¨vsK GKvD›U

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nZ`wi`ª‡ì Rb¨ e¨vsK GKvD›U

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54

mviYx 5.13 K‡c©v‡iU mvgvwRK `vqe×Zv (wmGmAvi) Lv‡Z 2007 n‡Z 2010 ch©šÍ e¨q

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55

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Based Capital Adequacy for Banks (Revised

Regulatory Capital framework in line with

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mvgvwRK wbivcËv Kg©m~wP ev Social security

programme- Gi myweav‡fvMx‡ì Rb¨ e¨vsK GKvD›U

5.45.....mvgvwRK wbivcËv Kg©m~wP ev Social

security programme- Gi myweav †fvMxMY †h †Kvbivó ªvqË e¨vsK Ges we‡klvwqZ e¨vs‡K gvÎ 10 UvKv Rgv †i‡L Zvi RvZxq cwiPqcÎ Ges †cbkb †c‡g›U AW©vi mshy³ fvZv iwk` eB‡qi wecix‡Z GKwU e¨vsK GKvD›U Lyj‡Z cv‡ib| GB GKvD‡›U b~¨bZg e¨v‡jÝ ivLvi †Kvb evaëvaKZv †bB Ges mswkøó e¨vsK¸‡jv GB GKvD›U Gi Rb¨ †Kvbiƒ c PvR©/wd Av‡ivc Ki‡e bv| †PK eB‡qi Ach©vßZvi †ÿ‡Î fvDPv‡ii gva¨‡gI GB GKvD‡›U †jb‡`b Kiv hv‡e|

kvixwiK cÖwZeÜx‡ì Rb¨ e¨vswKs †mev

5.46 kvixwiK cÖwZeÜx‡ì wbKU e¨vswKs †mev myweavRbK I mnRjf¨ Kivi j‡¶ e¨vsK¸‡jvi cÖwZwU kvLvq GKRb Ô †dvKvj c‡q›UÕ Kg©KZ©v wb‡qvwRZ Kivi Rb¨ Zv‡ì‡K civgk© †`qv n‡q‡Q|

Gmwmwe gwbUwis †mj

5.47 e¨vswKs Lv‡Zi `„pZv I `¶Zv Dbœ qbK‡í evsjv‡`k miKvi B‡Zvg‡a¨ 3wU ivó ªxq gvwjKvbvaxb evwYwR¨K e¨vsK‡K (†mvbvjx, RbZv Ges AMÖYx) K‡c©v‡iUvBR K‡i‡Q| 14 wW‡m¤î 1986 G iƒ cvjx e¨vsK wjwg‡UW‡K cvewjK wjwg‡UW †Kv¤úvwb‡Z iƒ cvšÍi Kiv n‡q‡Q| cybM©Vb Kivi ci †mvbvjx, RbZv


56

A_©eQi 10-G 47wU Zdwmwj e¨vs‡Ki g‡a¨ 46wU e¨vsK †Kvb bv †Kvbfv‡e CSR Kvh©�‡ gi mv‡_ RwoZ wQj| evsjv‡`k e¨vs‡Ki MvBWjvBÝ (wWIGm mvKz©jvi bs-01 ZvwiL 1 Ryb 2008) Kvh©Ki Kivi gva¨‡g CSR Kvh©�‡ g e¨vsK¸‡jvi mivmwi A_© e¨‡qi cwigvY e„w× †c‡q‡Q, hv mviYx 5.13-G †`Lv‡bv nj|

e¨vsK¸‡jvi CSR e¨q¸‡jv mvaviYZ c‡iv¶ Aby`vb Ges gÄywi Ø viv MwVZ| e¨vsK¸‡jv cÖvK…wZK Ges gvbe m„ó `y‡h©vM †gvKv‡ejvq Riæwi mnvqZv w`‡q Avm‡Q| wKQz wKQz e¨vsK wk¶v, ¯^v¯’¨ †mev LvZmg~‡n `xN©‡gqvw` mnvqZvi †¶‡ÎI we‡kl Ae`vb ivL‡Q| wewfbœ ai‡bi Aby`vb QvovI e¨vsK¸‡jv mw� qfv‡e K…wl, ¶z`ª I gvSvwi D‡`¨v³v cÖK‡í FY cÖ`v‡bi gva¨‡g `vwi`ª¨ we‡gvP‡bi j‡¶ mnvqZv Ki‡Q| wKQz e¨vsK cwi‡e‡ki fvimvg¨ i¶vi Rb¨ KvR K‡i P‡j‡Q Ges Zv‡ì Kvh©� g¸‡jv miKv‡ii bxwZgvjvi AvIZvaxb i‡q‡Q| hwÌ wKQy we‡`kx e¨vs‡Ki †nvg Awd‡m cwi‡e‡ki Rb¨ ¶wZKviK Kvh©� g †hgb-†ewk gvÎvq kw³ LiP Ges cwi‡e‡ki Rb¨ ¶wZKviK M¨vm wbM©gb e‡Ü Kvh©Ki c`‡¶c wb‡q _v‡K, Z_vwc evsjv‡`‡k Zv‡ì CSR Kvh©�‡ g G welqwU Abycw¯’Z| Z`ycwi, e¨vsK¸‡jv‡K Zv‡ì CSR ms� všÍ Kvh©� g MÖnYKv‡j mKj AskxRb‡ì mv‡_ c~e©v‡jvPbv (hv evsjv‡`k e¨vs‡Ki wb‡`©kbvg~jK mvK©yjvi-G GKwU ¸iæZ¡ c~Y© Dcv`vb wn‡m‡e wPwýZ) Ges M„nxZ CSR Kvh©�‡ gi GKwU c„_K cÖwZ‡e`b Global Reporting Initiative

(GRI)-Gi g‡Zv wek` Q‡K cÖYq‡bi †¶‡Î cÖ‡qvRbxq c`‡¶c MªnY Ki‡Z n‡e|

†� wWU Bbdi‡gkb ey¨‡ivi Kvh©� g

5.51 Avwki `k‡K †`‡ki e¨vswKs eë¯’vq wecyj cwigv‡Y †kªYxweb¨vwmZ FY _vKvi cwi‡cÖw¶‡Z wek¦ Ÿ ¨vs‡Ki Avw_©K LvZ ms¯‹ vi cÖK‡íi (FSRP) AvIZvq evsjv‡`k e¨vs‡K 18 AvM÷ 1992-G GKwU ¯^qsm¤c~Y© †� wWU Bbdi‡gkb ey¨‡iv (CIB) ¯’vcb Kiv nq| G ey¨‡ivÕ i g~j j¶ nj e¨vsK I Avw_©K cÖwZôvb¸‡jv‡K FYMÖnxZv‡ì Dci cÖ¯‘ ZK…Z †� wWU cÖwZ‡e`b cÖ`v‡bi gva¨‡g †Ljvcx FY we¯Ívi †iva Kiv,

e¨vsK¸‡jvi K‡c©v‡iU Mf‡b©Ý

5.49 `ye©j Mf‡b©Ý Gi Kvi‡Y e¨vsK¸‡jv‡Z m„ó Zvij¨ I A_©msKU mvgwMÖK A_©bxwZ‡Z †bwZevPK cÖfve †d‡j| †Kbbv, mvgwMÖK A_©bxwZ FY I †c‡g›U mvwf©‡mi Rb¨ mvwe©K e¨vswKs eë¯’vi Ici wbf©ikxj| Gi d‡j e¨vsK¸‡jvi K‡c©v‡iU Mf‡b©‡Ýi Ici me©vwaK ¸iæZ¡ †`qv n‡q‡Q| GB †cÖw¶‡Z mvwe©K fvimvg¨ Avbq‡bi j‡¶ AvBbMZ, wbqš¿ Yg~jK I cÖvwZôvwbK bxwZgvjvi mgš^q Kiv n‡q‡Q hvi g‡a¨ cl©` I wbe©vnx eë¯’vcbvq f~wgKv I `vqe×Zv, ewnt I Af¨šÍixY wbix¶v, Z_¨cªevn Ges ¯^” QZv BZ¨vw` m¤ú‡K© D‡jøL Kiv n‡q‡Q| e¨vsK I wbqš¿ YKvix ms¯’v¸‡jvi g‡a¨ GKwU Askx`viwfwËK Kg© cwi‡ek m„wó‡Z DËg K‡c©v‡iU Mf‡b©Ý mnvqK f~wgKv cvjb K‡i| GwU ïaygvÎ mywbqwš¿ Z e¨vswKs eë¯’v MV‡bB mnvqZv K‡i bv eis AvgvbZKvix‡ì ¯^v_© msi¶‡YI Ae`vb iv‡L| e¨vsK¸‡jv‡Z DrK…ó K‡c©v‡iU Mf‡b©Ý cÖwZôvK‡í m¤cÖwZ evsjv‡`k e¨vsK †ek wKQy c`‡¶c MÖnY K‡i‡Q, h_v- †emiKvwi evwYwR¨K e¨vsK¸‡jv‡Z cÖavb wbe©vnx Kg©KZ©v wb‡qv‡Mi †¶‡Î Dchy³Zv hvPvB cix¶v (Fit and Proper Test) AbymiY; †evW©-Gi AwWU KwgwU MVb I Z_¨ cÖKvk m¤úwK©Z ewa©Z wb‡`©kbv BZ¨vw`| Dch©y³ ms¯‹ vi cÖw� qvi avivevwnKZvq eë¯’vcbv KZ…©c‡¶i ¶gZv mywbw`©ó Kiv Ges e¨vs‡Ki ˆ `bw›`b Kvh©�‡ g cwiPvjKgÊjxi n¯Í‡¶c mxwgZ Kivi j‡¶ cl©` I eë¯’vcbv KZ…©c‡¶i f~wgKv I Kvh©� g cybtmsÁvwqZ Kiv n‡q‡Q|

K‡c©v‡iU †mvm¨vj †imcwÝwewjwU

5.50 K‡c©v‡iU mvgvwRK `vqe×Zv ev Corporate

Social Responsibility (CSR) ej‡Z g~jZ cwi‡ekMZfv‡e †UKmB mvgvwRK Dbœ qbg~jK Kvh©�‡ g m‡PZbZv m„wó I AskMÖnY‡K eySvq| wmGmAvi Kvh©� g mvaviYZ eëmvwqK Kg©Kv‡Êi d‡j m„ó eûgyLx cwi‡ekMZ AwfNvZ n«vmKiY Ges †`‡ki Rb‡Mvôxi g‡a¨ we`¨gvb AmgZv, eÂbv I `vwi`ª¨ `~ixKi‡Yi j‡¶ cwiPvwjZ|


57

cÖK‡í KvR ïiæ K‡i‡Q| 19 RyjvB 2011 Zvwi‡L evsjv‡`k e¨vs‡Ki gvbbxq Mfb©i AbjvB‡b wmAvBwe Kvh©�‡ gi AvbyôvwbK D‡Ø vab K‡ib| GwU evsjv‡`‡ki e¨vswKs †m±i Gi FY eë¯’vcbv‡K AwaKZi MwZkxj Ki‡e| wmAvBwe wi‡cvU© msMÖn Ges FY Z_¨ wmAvBwe WvUv‡eBR-G `vwLj Kivi Rb¨ Dcw¯’wZi Avi †Kvb cÖ‡qvRb n‡e bv|

(M) e¨vsK¸‡jvi Z`viwK ev mycviwfkb

5.55 Avw_©K Lv‡Zi m¶gZv, m” QjZv, mvwe©K w¯’wZkxjZv msi¶Y I Dbœ q‡bi cvkvcvwk AvgvbZKvix‡ì ¯^v_© i¶v‡_© evsjv‡`k e¨vsK KZ…©K `yÕ ai‡bi Z`viwK ev mycviwfkb Kvh©� g cwiPvjbv Kiv nq; h_v- (1) Ad-mvBU mycviwfkb I (2) Ab-mvBU mycviwfkb| wWcvU©‡g›U Ae Ad-mvBU mycviwfkb-Gi ZË¡ veav‡b Ad-mvBU mycviwfkb Kvh©� g cwiPvjbv Kiv nq, hv c~e©eZ©x Aby‡” Q`¸‡jv‡Z Zz‡j aiv n‡q‡Q| wb‡gœ œ we¯ÍvwiZfv‡e Ab-mvBU mycviwfk‡bi Kvh©� g Av‡jvPbv Kiv n‡jv t

e¨vsK¸‡jvi Ab-mvBU cwi`k©b

5.56 evsjv‡`k e¨vs‡Ki wewae× Kvh©�‡ gi Ask wn‡m‡e Gi cvuPwU wefvM h_v-e¨vsK cwi`k©b wefvM-1 (wWweAvB-1), e¨vsK cwi`k©b wefvM-2 (wWweAvB-2), e¨vsK cwi`k©b wefvM-3 (wWweAvB-3), ˆ e‡`wkK gy`ªv cwi`k©b I wfwR‡jÝ wefvM (GdBAvBwfwW) Ges gvwb jÛvwis cÖwZ‡iva wefvM cwi`k©b Kvh©� g cwiPvjbv K‡i| G cvuPwU wefvM ivó ªxq gvwjKvbvaxb evwYwR¨K e¨vsK, we‡klvwqZ e¨vsK, †emiKvwi evwYwR¨K e¨vsK (Bmjvgx kixqvn& Abyhvqx cwiPvwjZ e¨vsK¸‡jv mn), we‡`kx e¨vsK Ges Bb‡f÷‡g›U K‡c©v‡ikb Ae evsjv‡`k (AvBwmwe) I gvwb †PÄvi mn Ab¨vb¨ Avw_©K cÖwZôvb¸‡jv cwi`k©b K‡i _v‡K|

g~jZ wZb ai‡bi cwi`k©b Kiv nq, h_vt (K) wek` cwi`k©b (L) SzuwK wfwËK cwi`k©b/wm‡÷g †PK cwi`k©b I (M) we‡kl cwi`k©b|

hv‡Z FYcÖ`vbKvix cÖwZôvb¸‡jv FY weZiY Ges cybtZdwmwjKi‡Yi †¶‡Î bZzb †Kvb FY SzuwKi m¤§ yLxb bv nq|

5.52 Av‡e`bKvixi msL¨v e„w×, FYMÖnxZv I `vZvi msL¨v, Z_¨ cÖ`vbKvix e¨vsK I Avw_©K cÖwZôv‡bi msL¨v e„w×i cwi‡cÖw¶‡Z ey¨‡ivi Kvh©cwiwa AviI e„w× cv‡” Q| g~jZ e¨w³ FY`vZv, MÖnxZv Ges RvgvbZKvix‡ì Z_¨‡K aviY K‡i wmAvBwe Gi WvUv‡eBm M‡o D‡V‡Q| 2011 mv‡ji Ryb †k‡l G msL¨v wQj 29,65,902, hv c~e©eZx© eQ‡ii Zzjbvq kZKiv 19.6 fvM †ewk (Ryb 2010 ch©šÍ 24,80,511)| mieivnK…Z wmAvBwe cÖwZ‡e`‡bi msL¨v A_©eQi 10 (Ryb 2010) Gi 10,02,674 n‡Z e„w× †c‡q A_©eQi 11 (Ryb 2011)-G 11,84,132 G ùvwo‡q‡Q| we`¨gvb mvwf©m ÷¨vÛvW© Abyhvqx Av‡e`b cÖvwßi 5 Kg©wè‡mi g‡a¨ †� wWU wi‡cvU© cÖ`vb Kiv nq| D‡jøL¨, A_©eQi 11-G ˆ `wbK Av‡e`‡bi msL¨v wQj cÖvq 5500wU|

5.53 Zdwmwj e¨vsK/Avw_©K cÖwZôvb¸‡jvi Z_¨ Abyhvqx A_©eQi 11-G †Ljvcx F‡Yi cwigvY n«vm †c‡q‡Q| †kÖYxweb¨vwmZ FY c~e©eZx© eQ‡ii kZKiv 13.1 fv‡Mi Zzjbvq 2011 mv‡ji Ryb †k‡l n«vm †c‡q 10.8 fv‡M ùvovq| wW‡m¤î 2000 G †kÖYxweb¨vwmZ F‡Yi nvi wQj kZKiv 34.9 fvM| G cÖm‡½ D‡j-L¨†h, †kªYxK…Z F‡Yi kZKiv nvi g~j¨vq‡bi †¶‡Î Ô Ae‡jvcbK…Z FYÕ †K †kªYxK…Z Ges e‡Kqv Dfq cÖKvi F‡Yi AvIZvgy³ ivLv nq, hv Ryb 2004 n‡Z Kvh©Ki n‡q‡Q| Gi d‡j 30 Ryb 2011-G †kªYxK…Z F‡Yi cwigvY ùvovq kZKiv 10.8 fvM|

5.54 Drm n‡Z FY Z_¨ `ªæZ msMÖn K‡i Zv h_vkxNÖ eënviKvix†ì wbKU cÖwZ‡e`b AvKv‡i †cÖiY wbwðZK‡í wmAvBwe AvaywbK Kw¤cDUvi cÖhyw³ eënvi, wmAvBwe Ges FY`vZv cÖwZôvb¸‡jvi g‡a¨ B›Uvi‡bU Gi gva¨‡g Ab-jvBb †mev m¤cªmvi‡Yi Rb¨ wWGdAvBwW Gi Avw_©K mnvqZvq 13 RyjvB 2007 n‡Z Kvh©� g ïiæ K‡i‡Q| 3 †g 2009 ZvwiL n‡Z wbe©vwPZ †fÛi CRIF (BUvwj) wmAvBwe AbjvBb


58

Kvh©� g cwiPvwjZ nq Ges cwi`k©‡b FY, Af¨šÍixY wbqš¿ Y I cwicvjb, m¤ú`-`vq eë¯’vcbv Ges Bbdi‡gkb wm‡÷g ch©‡eÿY Kiv nq| e¨vsK¸‡jvi †Kvb we‡kl/wbw`©ó wel‡qi Dci wfwË K‡i we‡kl cwi`k©b cwiPvjbv Kiv nq; cvkvcvwk AvgvbZKvix, RbmvaviY ev †Kvb cÖwZôv‡bi Awf‡hv‡Mi wfwË‡Z Z`šÍ KivB we‡kl cwi`k©‡bi g~j D‡Ïk¨|

5.57 †hme evwYwR¨K e¨vs‡Ki K¨v‡gjm& †iwUs 3-5 Gi g‡a¨ _v‡K, †m¸‡jv cÖwZeQi cwi`k©b Kiv nq| †hme e¨vs‡Ki †iwUs 1 A_ev 2, †m¸‡jv cÖwZ `yÕ eQ‡i GKevi cwi`k©b Kiv nq| Zdwmwj e¨vsK¸‡jvi †hme kvLv mswkøó e¨vs‡Ki †gvU FY I AwMÖ‡gi kZKiv 60-70 fvM cÖ`vb K‡i †m¸‡jv‡K cÖwZ eQi wek` cwi`k©‡bi AvIZvq Avbv nq| ïaygvÎ c~e©eZx© eQ‡ii 31 wW‡m¤^‡ii wfwË‡Z cwi`k©b bv K‡i PviwU ZvwiL h_v- 31 gvP,© 30 Ryb, 30 †m‡Þ¤î Ges 31 wW‡m¤î‡K wfwË ZvwiL a‡i cwi`k©b¸‡jv Kiv n‡” Q| Ab-mvBU mycviwfk‡bi Kvh©KvwiZv e„w× Ges Ab-mvBU I Ad-mvBU mycviwfk‡bi mgq eëavb nªvmK‡í G c×wZ cÖeZ©b Kiv n‡q‡Q |

5.58 e¨vsK cwi`k©b wefvM-1 (DBI-1) KZ©„K wek` cwi`k©b Kvh©�‡ gi AvIZvq A_©eQi 11-G 35wU cÖavb Kvh©vjq, 690wU kvLvmn me©‡gvU 725wU cwi`k©b Kvh©� g m¤úbœ Kiv n‡q‡Q| GQvov, D³ A_©eQ‡i 39wU e¨vs‡K SzuwK wfwËK cwi`k©b Ges we‡kl cwi`k©b Kg©m~wPi Aax‡b †gvU 134 wU e¨vsK kvLvi cwi`k©b Kvh©� g m¤úbœ Kiv n‡q‡Q| e¨vsK cwi`k©b wefvM-2 (DBI-2) KZ©„K wek` cwi`k©b Kvh©�‡ gi AvIZvq 2011 A_©eQ‡i 5wU cÖavb Kvh©vjq, 1,144wU kvLvmn me©‡gvU 1,149wU cwi`k©b Kvh©� g m¤úbœ Kiv n‡q‡Q| AwaKš‘ , wefvMwU Avw_©K cÖwZôvb¸‡jvi Ici 76wU wek` cwi`k©b Kvh©� g cwiPvjbv K‡i‡Q hvi g‡a¨ 24wU cÖavb Kvh©vjq Ges 52wU kvLv i‡q‡Q| GKB mg‡q wefvMwU AvBwmwe-Gi cÖavb Kvh©vjq I 9wU kvLv cwi`k©b K‡i‡Q| GQvov, D³ wefvM KZ©„K e¨vsK¸‡jvi Ici 22wU SzuwK wfwËK cwi`k©b Ges wewfbœ e¨vs‡Ki Dci 224wU, Avw_©K cÖwZôv‡bi Dci 8wU Ges AvBwmwe Gi Dci 1wU we‡kl cwi`k©b m¤úbœ Kiv n‡q‡Q |

Ab-mvBU (On-site) cwi`k‡©bi g~j D‡Ïk¨¸‡jv wbgœ iƒ ct

AvgvbZKvix‡ì ¯^v_© iÿvi cvkvcvwk e¨vswKs

Lv‡Zi Avw_©K my¯’Zv, m” QjZv I w¯’wZkxjZv

e„w×‡Z DØ y×KiY;

e¨vswKs Lv‡Zi wbivcËv, w¯’wZkxjZv I k„• Ljv

wbwðZKiY;

e¨vswKs AvBb I wewa-weavb¸‡jvi cwicvjb

wbwðZKiY;

gvwb jÛvwis Ges mš¿ vm ms� všÍ Kvh©�‡ g A_©vqb

cÖwZnZKiY;

e¨vsK eë¯’vcbv I cwiPvjbv cl©‡ì ¸YMZgvb I

Zv‡ì Kvh©�‡ gi g~j¨vqb;

e¨vsKmg~‡ni Avw_©K wfZ kw³kvjxKi‡Yi j‡ÿ

Gi `ye©jZvmg~n wPwýZKiY;

e¨vsK¸‡jvi Avw_©K my¯’Zv I cwiPvjbvMZ `¶Zvi

g~j¨vqb |

wek` cwi`k©‡b e¨vsK¸‡jvi mvwe©K Ae¯’v/Kvh©� g Z_v g~jab ch©vßZv, m¤ú‡ì ¸YMZ gvb, Zvij¨, DcvR©b ¶gZv, eë¯’vcbvi `¶Zv BZ¨vw` g~j¨vqb Kiv nq| G¸‡jv g~j¨vq‡bi wfwË‡Z e¨vsK¸‡jv‡K 1-5 wbgœ � wgK †¯‹ ‡j †iwUs Kiv nq| cwi`k©b Kvh©� g cwiPvwjZ nq evwl©K cwi`k©b Kg©m~wPi wfwË‡Z hv wefvM¸‡jv KZ„©K eQ‡ii ïiæ‡Z cÖYqb Kiv n‡q _v‡K| mswkøó wefvMB cwi`k©b cÖwZ‡e`‡b cÖ`Ë mycvwik I wb‡`©kbvmg~n h_vh_fv‡e cwicvwjZ n‡” Q wKbv Zv ch©‡e¶Y K‡i _v‡K| e¨vsK¸‡jv KZ©„K SuzwK eë¯’vcbv MvBWjvBÝ Gi cwicvjb I Abykxjb ZË¡ veavb Kivi cvkvcvwk SuzwK eë¯’vcbv g~j¨vqb I ch©‡eÿ‡Yi D‡Ï‡k¨ SzuwKwfwËK cwi`k©b cwiPvjbv Kiv n‡” Q| evwl©K wfwË‡Z e¨vsK¸‡jvi cwi`k©b


59

e¨vsK cwi`k©b wefvM-3 (DBI-3) KZ©„K wek` cwi`k©b Kvh©�‡ gi AvIZvq 2011 A_©eQ‡i 5wU cÖavb Kvh©vjq, 440wU kvLvmn me©‡gvU 445wU cwi`k©b Kvh©� g m¤úbœ Kiv n‡q‡Q| GQvov, 4wU e¨vs‡Ki Dci SzuwK wfwËK cwi`k©b Ges †gvU 40wU we‡kl cwi`k©b Kvh©� g m¤úbœ Kiv n‡q‡Q|

5.59 ˆ e‡`wkK gy`ªv cwi`k©b I wfwR‡jÝ wefvM KZ©„©K ˆ e‡`wkK evwY‡R¨ A_©vqb, e¨vsK¸‡jvi †UªRvwi Kvh©� g, ˆ e‡`wkK gy`ªv wewbgq SuywK eë¯’vcbv, e¨vsK I gvwb †PÄvi¸‡jvi ˆ e‡`wkK gy`ªv wewbgq †jb‡`b ms� všÍ cwi`k©b cwiPvjbv Kiv nq| 2011 A_©eQ‡i D³ wefvM KZ©„K 45wU cÖavb Kvh©vjq, 206wU Aby‡gvw`Z wWjvi kvLvmn me©‡gvU 251wU wek`

cwi`k©b Kvh©� g cwiPvjbv Kiv n‡q‡Q| cvkvcvwk, D³ wefvM KZ©„K e¨vswKs Awbqg ms� všÍ 393wU we‡kl cwi`k©b, ˆ e‡`wkK gy`ªv wewbgq eë¯’vcbv SzuwK ms� všÍ 46wU we‡kl cwi`k©b Ges gvwb †PÄvi‡ì Dci 380wU cwi`k©b cwiPvjbv Kiv n‡q‡Q|

5.60 gyL¨ SyuwK Kvh©�‡ gi AvIZvq 2011 A_©eQ‡i gvwb jÛvwis cÖwZ‡iva wefvM KZ©„K 47wU e¨vs‡Ki cÖavb Kvh©vjq I 365wU kvLvq wm‡÷g †PK cwi`k©b Kvh©� g cwiPvjbv Kiv n‡q‡Q| GQvovI, 131wU kvLv Ges 10wU e¨vs‡Ki cÖavb Kvh©vj‡qi Dci we‡kl cwi`k©b Kvh©� g cwiPvjbv Kiv n‡q‡Q| D³ eQ‡i gvwb jÛvwis cÖwZ‡iva AvBb, 2009 cwicvjb bv Kivi Kvi‡Y 5wU e¨vsK‡K Rwigvbv Kiv n‡q‡Q|

Avw_©K cÖwZôvbmg~‡ni Kg©`ÿZv, cÖweavb Ges ZË¡veavb

lô Aa¨vq

60

g‡a¨ 20wU cÖv_wgK MYcÖ¯Ív‡ei (IPO) gva¨‡g cuywRevRvi n‡Z g~jab msMªn K‡i‡Q; †hLv‡b 3wU cªwZôvb AvBwcI Bmyï evaëvaKZv n‡Z Ae¨vnwZ cªvß| Avw_©K cÖwZôvbmg~‡ni Znwe‡ji Ab¨vb¨ Drm n‡jv- †gqvw` AvgvbZ, Ab¨vb¨ e¨vsK I Avw_©K cÖwZôvb n‡Z cÖvß FY myweav, Kjgvwb Ges eÛ I wmwKDwiUvB‡Rkb| evsjv‡`‡k Avw_©K cÖwZôvbmg~n e¨vsK †Kv¤úvwbmg~‡ni Zzjbvq mxwgZ cwiwa‡Z eëmv Ki‡Q| eZ©gv‡b Avw_©K cªwZôvbmg~n eûgyLx Avw_©K †mev cÖ`vbKvix cÖwZôvb wn‡m‡e KvR Ki‡Q|

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Avw_©K cªwZôvbmg~‡ni cUf~wg

6.2 Avw_©K cªwZôvbmg~n ZrKvjxb †Kv¤úvwb AvBb, 1913 Gi AvIZvq MwVZ n‡q evsjv‡`k e¨vsK Av‡`k, 1972 Gi cÂg Aa¨v‡qi weavbvbyhvqx wbqwš¿ Z n‡Zv| cieZ©x‡Z, Avw_©K cªwZôvbmg~‡ni Kvh©vw` mywbw`©óKiYmn Zv‡ì wbqš¿ Y KvV v‡gv my`„pKiYv‡_© Avw_©K cÖwZôvb AvBb, 1993 Ges Avw_©K cÖwZôvb cÖweavbgvjv, 1994 Rvwi nq| Avw_©K cÖwZôvbmg~n‡K Avw_©K cÖwZôvb AvBb, 1993 Gi AvIZvq jvB‡mÝ cÖ`vb I wbqš¿ Y Kiv n‡q _v‡K| G AvB‡bi AvIZvq jvB‡mÝcªvß Avw_©K cªwZôv‡bi msL¨v 30wU| Avw_©K cªwZôvb cªweavbgvjv, 1994 Abyhvqx Avw_©K cªwZôvbmg~‡ni b~¨bZg cwi‡kvwaZ g~ja‡bi cwigvY GK wewjqb UvKv| A`¨vewa 30wU Avw_©K cªwZôv‡bi

mviYx 6.1 Avw_©K cÖwZôvbmg~‡ni KvV v‡gv

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Avw_©K cÖwZôvbmg~‡ni Kg©`ÿZv I †iwUs

6.8 Avw_©K cªwZôvb Lv‡Zi Kg©`ÿZv K¨v‡gj †iwUs Gi gva¨‡g ch©v‡jvPbv Kiv n‡q _v‡K, hv‡Z Zv‡ì Kg©cš’vi cuvPwU ¸iæZ¡ c~Y© wb‡`©kK ch©v‡jvPbv I g~j¨vqb Kiv nq| K¨v‡gj †iwUs G eëüZ wb‡`©kK cuvPwU n‡jv 1) g~jab ch©vßZv, 2) m¤ú‡ì ¸YMZgvb, 3) eë¯’vcbvi Kvh©`ÿZv, 4) DcvR©b ÿgZv I 5) Zvij¨ cwiw¯’wZ|

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6.4 m¤ú`t 2010 mv‡j Avw_©K cªwZôvbmg~‡ni †gvU m¤ú` D‡jøL‡hvM¨ cwigv‡Y e„w× †c‡q‡Q| Avw_©K cªwZôvb Lv‡Zi GKxf~Z m¤ú‡ì cwigvY 2009 m‡bi 193.8 wewjqb UvKv n‡Z 2010 m‡b kZKiv 29.8 fvM e„w× †c‡q 251.5 wewjqb UvKvq Dbœ xZ n‡q‡Q| Ryb 2011-G †gvU m¤ú‡ì cwigvY wQj 273.4 wewjqb UvKv (mviYx 6.2)|

6.5 wewb‡qvMt Avw_©K cÖwZôvbmg~n wewfbœ Lv‡Z wewb‡qvM Ki‡jI g~jZ wkí Lv‡ZB Zv‡ì wewb‡qvM cyÄxf~Z| 2010 m‡b Avw_©K cÖwZôvbmg~n wkí (44.6%), wi‡qj G‡÷U (17.5%), gvwR©b †jvb (12.1%), evwYR¨ (5.8%), gv‡P©›U e¨vswKs (2.8%), K…wl (1.5%) Ges Ab¨vb¨ (15.7%) Lv‡Z wewb‡qvM K‡i‡Q (PvU© 6.1)|

6.6 `vq I BKz¨BwUt Avw_©K cªwZôvb Lv‡Zi GKxf~Z `v‡qi cwigvY 2009 m‡bi 164.4 wewjqb UvKv n‡Z 2010 m‡b kZKiv 25.8 fvM e„w× †c‡q 206.8 wewjqb UvKvq Dbœ xZ n‡q‡Q| †gvU BKz¨BwUi cwigvY 2009 m‡bi 29.3 wewjqb UvKv n‡Z 2010 m‡b kZKiv 52.6 fvM e„w× †c‡q 44.7 wewjqb UvKvq Dbœ xZ n‡q‡Q| Ryb 2011-G GKxf~Z `vq I BKz¨BwUi cwigvY wQj h_v�‡ g 221.7 I 51.7 wewjqb UvKv (mviYx 6.2)|

mviYx 6.2 Avw_©K cÖwZôvbmg~‡ni m¤ú`, `vq I AvgvbZ

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DcvR©b ÿgZv

6.12 Avq cÖevn I DcvR©b ÿgZv Avw_©K cÖwZôv‡bi `ÿ m¤ú` eë¯’vcbv I `xN©‡gqvw` mÿgZvi cwiPvqK| G wb‡`©kKmg~n chv©ß g~jab wfwË Movi gva¨‡g m¤¢ ve¨ ¶wZ c~iY, m¤úªmviY Kvh©�‡ g A_©vqb Ges †kqvi †nvìvi‡ì ch©vß jf¨vsk cÖ`v‡b Avw_©K cÖwZôv‡bi m¶gZv cÖKvk K‡i| DcvR©b Ges gybvdv cwigv‡ci wewfbœ c×wZi g‡a¨ m‡e©vËg I eûj eënƒ Z m~PK n‡” Q m¤ú‡ì Ici Avqnvi (ROA); g~ja‡bi

g~jab ch©vßZv

6.9 g~jab ch©vßZv Avw_©K cªwZôv‡bi mvwe©K Ae¯’vi Ici Av‡jvKcvZ K‡i Ges m¤¢ ve¨ Avw_©K ¶wZi nvZ†_‡K AvgvbZKvix‡ì myi¶v Kivmn cÖavb Avw_©K SuywK (†hgb- FY SuywK, evRvi SuywK, my`nvi SuywK BZ¨vw`) †gvKv‡ejvq cÖwZôvb‡K mnvqZv K‡i| 2011 m‡b e¨v‡mj GKW© (Basel Accord) ev¯Íevqb cixÿvg~jK ch©v‡q i‡q‡Q| e¨v‡mj GKW© Gi AvIZvq Avw_©K cÖwZôvbmg~n‡K g~jab wn‡m‡e SuywKwfwËK m¤ú‡ì Kgc‡¶ 10 fvM, hvi g‡a¨ gyL¨ g~jab Kgc‡¶ kZKiv 5 fvM msi¶Y Kivi wb‡`©kbv †`qv nq| 29wU Avw_©K cÖwZôv‡bi g‡a¨ wW‡m¤î 2010 G g~jab ch©vßZvq 8wUi K¨v‡gj †iwUs wQj Ô 1 ev my`„p Õ , 1wUi Ô 2 ev m‡šÍvlRbKÕ , 11wUi Ô 3 ev †gvUvgywU fvjÕ Ges evwK 9wUi Ô 5 ev Am‡šÍvlRbKÕ |

m¤ú‡ì ¸YMZ gvb

6.10 m¤ú‡ì ¸YMZ gv‡bi weiƒ c Ae¯’v wbY©‡qi ¸iæZ¡ c~Y© m~PK n‡” Q †gvU FY/jx‡Ri Zzjbvq †gvU †kÖYxweb¨vwmZ FY/jx‡Ri nvi| 2010 m‡b Avw_©K cÖwZôvbmg~‡n G nvi wQj 5.9 kZvsk, hv MZ cuvP eQ‡ii g‡a¨ me©wbgœ | g~jZ ch©vß gwbUwis Kvh©�‡ gi gva¨‡g G nvi n«vm Kiv n‡q‡Q| MZ cuvP eQ‡ii g‡a¨ 2007 m‡b weiƒ c †kÖYxKi‡Yi nvi wQj m‡e©v” P (7.1 kZvsk) (mviYx 6.3, PvU© 6.3)| Avw_©K cÖwZôvbmg~‡ni †gvU m¤ú‡ì g‡a¨ cÖ`Ë FY, jxR I AwMÖg 70.8 kZvsk| 29wU Avw_©K cÖwZôv‡bi g‡a¨ wW‡m¤î 2010 G m¤ú‡ì ¸YMZ gv‡b 9wUi K¨v‡gj †iwUs wQj Ô 1 ev my`„p Õ , 3wUi Ô 2 ev m‡šÍvlRbKÕ , 13wUi Ô 3 ev †gvUvgywU fvjÕ Ges evwK 4wUi Ô 4 ev cÖvwšÍKÕ |

myôz eë¯’vcbv

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2005 2006 2007 2008 2009 2010 2011*

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63

Avw_©K cÖwZôvbmg~n KZ©„K †kqv‡i wewb‡qvM

6.15 Avw_©K cÖwZôvb AvBb, 1993 G wb‡`©wkZ mxgv ch©šÍ Avw_©K cÖwZôvbmg~n cuywR evRv‡i wewb‡qvM Ki‡Z cv‡i| wW‡m¤î 2010 G †kqv‡i Avw_©K cÖwZôvbmg~‡nimgy`q wewb‡qv‡Mi cwigvY wQj 16.9 wewjqb UvKv, hv wW‡m¤î 2009 G wQj 13.6 wewjqb UvKv| Avw_©K cÖwZôvbmg~n KZ©„K †kqv‡i wewb‡qv‡Mi cwigvY Zv‡ì †gvU m¤ú‡ì 6.7 kZvsk|

eÛ I wmwKDwiUvB‡Rkb

6.16 eÛ gv‡K©U evsjv‡`‡k cÖv_wgK ch©v‡q i‡q‡Q| m¦ í msL¨K cÖwZôvb I mxwgZ Bb÷ªy‡g›U wb‡q GB gv‡K©U cwiPvwjZ n‡” Q| wR‡iv Kzcb eÛ I G‡mU e¨vK& W wmwKDwiUvBRW eÛ Bmyï gva¨‡g eÛ gv‡K©‡Ui Dbœ q‡b Avw_©K cÖwZôvbmg~n Zvrch©c~Y© f~wgKv cvjb Ki‡Q| Avw_©K cÖwZôvb I evRvi wefvM n‡Z AbvcwË MÖnYc~e©K wW‡m¤î 2010 ch©šÍ Avw_©K cÖwZôvbmg~n 8.5 wewjqb UvKvi wR‡iv Kzcb eÛ I 1.7 wewjqb UvKvi G‡mU e¨vK& W wmwKDwiUvBRW eÛ Bmy¨ K‡i‡Q|

AvBbx ms¯‹vi I cÖæ‡WwÝqvj †i¸‡jkÝ

6.17 Avw_©K cÖwZôvbmg~‡ni Avw_©K mvg_©¨ Dbœ qb Ges Kvh©�‡ g AwaKZi ¯^” QZv Avbq‡bi j‡ÿ Avw_©K cÖwZôvb LvZ kw³kvjxKi‡Yi avivevwnK cÖw� qvi Ask wn‡m‡e †ek wKQz bZzb bxwZgvjv I wbqš¿ YKvix c`‡ÿc M„nxZ nq hv 2010 m‡b Ô cÖæ‡WwÝqvj †i¸‡jkÝÕ bv‡g cÖKvwkZ nq|

Avw_©K cÖwZôvbmg~‡ni K‡c©v‡iU mykvmb

6.18 K‡c©v‡iU mykvmb n‡jv †Kv¤úvwbi cwiPvjbv, cÖkvmwbK I wbqš¿ ‡Yi c×wZ, cÖ_v, bxwZ, AvBb I

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Zvij¨ cwiw¯’wZ

6.13 Avw_©K cÖwZôvbmg~n ïaygvÎ †gqvw` AvgvbZ MÖnY Ki‡Z cv‡i| eZ©gv‡b Avw_©K cÖwZôvbmg~n‡K †gvU †gqvw` `v‡qi kZKiv 5 fvM wewae× Zij m¤ú` (SLR) iƒ ‡c, hvi g‡a¨ kZKiv 2.50 fvM (ˆ `wbK b~¨bZg kZKiv 2 fvM) bM` Rgv Avek¨KZv (CRR)

wn‡m‡e wØ -mvßvwnK wfwË‡Z msi¶Y Ki‡Z nq| †gqvw` AvgvbZ MÖnY K‡ibv Ggb Avw_©K cÖwZôvbmg~‡ni SLR n‡jv kZKiv 2.50 fvM| miKvwi Avw_©K cÖwZôvb Ô Bbd«v÷ªvKPvi †W‡fjc‡g›U †Kv¤úvwb wjwg‡UWÕ (IDCOL) wewae× Zij m¤ú` msiÿ‡Yi G evaëvaKZv †_‡K Ae¨vnwZcÖvß| 29wU Avw_©K cÖwZôv‡bi g‡a¨ wW‡m¤î 2010 G Zvij¨ cwiw¯’wZ‡Z 3wUi K¨v‡gj †iwUs wQj Ô 1 ev my`„p Õ , 6wUi Ô 2 ev m‡šÍvlRbKÕ , Ges evwK 20wUi Ô 3 ev †gvUvgywU fvjÕ |

mgwš^Z K¨v‡gj †iwUs

6.14 29wU Avw_©K cÖwZôv‡bi g‡a¨ wW‡m¤î 2010 wfwË‡Z 14wUi mgwš^Z K¨v‡gj †iwUs wQj Ô 2 ev m‡šÍvlRbKÕ , Ges evwK 15wUi Ô 3 ev †gvUvgywU fvjÕ | Ab¨w`‡K, wW‡m¤î 2009 G 17wUi mgwš^Z K¨v‡gj †iwUs wQj Ô 2 ev m‡šÍvlRbKÕ , 9wUi Ô 3 ev †gvUvgywU fvjÕ Ges evwK 3wUi Ô 4 ev cÖvwšÍKÕ | weMZ eQ‡ii Zzjbvq Avw_©K Lv‡Z K¨v‡gj †iwUs Gi Dbœ wZ cwijwÿZ n‡” Q|

mviYx 6.4 Avw_©K cÖwZôvbmg~‡ni gybvdv AR©‡bi nvi

2005 2006 2007 2008 2009 2010

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m¤ú‡ì Avq nvi (ROA)

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6.22 Avw_©K cÖwZôvbmg~‡ni PviwU gyL¨ SuywKi welq, †hgb- FY SuywK eë¯’vcbv, Af¨šÍixY wbqš¿ Y I cwicvjb, m¤ú`-`vq eë¯’vcbv I Z_¨-cÖhyw³ eë¯’vcbvi MvBWjvBb Bmy¨ Kiv n‡q‡Q| Avw_©K cÖwZôvbmg~n DwjøwLZ SyuwK eë¯’vcbvi wb‡`©kbvmg~n‡K b~¨bZg evaëvaKZv we‡ePbvq Zv‡ì wbR¯^ Avw½‡K MvBWjvBb cÖ¯‘ Z K‡i‡Q|

cwi‡ekMZ SuywK eë¯’vcbv

6.23 cwi‡ekMZ mykvm‡bi aviYvwU eZ©gv‡b LyeB ¸iæZ¡ c~Y© welq| Avw_©K Lv‡Z cwi‡ekMZ SuywK eë¯’vcbvi mgvav‡b evsjv‡`k e¨vsK GKwU MvBWjvBb Rvwi K‡i‡Q| mKj ai‡bi A_©vq‡bi Rb¨ G MvBWjvBb AbymiYxq|

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cwigvY ùvovq h_v�‡ g 0.9 wewjqb Ges 1.0 wewjqb UvKv| AvBwmweÕi wmwKDwiwUR †UªwWs mvewmwWqvix †Kv¤úvbx ISTCL †`‡ki GKwU GKK e„nËg ÷K †eªvKvi wn‡m‡e AvZ¥ cÖKvk cvq Ges A_©eQi 11-G †gvU 358.1 wewjqb UvKvi †jb‡`b K‡i, hv X vKv I PÆMÖvg Dfq ÷K G·‡P‡Äi †gvU †jb‡`‡bi kZKiv 7.8 fvM| g~j AvBwmwe A_©eQi 11-G 0.5 wewjqb UvKv g~‡jï BDwbU mvwU©wd‡KU we� q K‡i, Gi wecix‡Z 0.1 wewjqb UvKv g~‡jï BDwbU mvwU©wd‡KU cybt � q K‡i| Av‡jvP¨ A_©eQ‡i AvBwmwe 0.53 wewjqb UvKvi AvgvbZ MÖnY K‡i Ges wewb‡qvMKvix‡ì wewb‡qvM wnmv‡ei wecix‡Z 3.8 wewjqb UvKvi FY Aby‡gv`b K‡i| Av‡jvP¨ A_©eQ‡i AvBwmwe †gvU 4.6 wewjqb UvKvi wewb‡qvM A½xKvi K‡i, hvi g‡a¨ †kqv‡i mivmwi wewb‡qvM (pre-IPO

placement) 0.7 wewjqb UvKv, †cÖdv‡iÝ †kqvi 0.3 wewjqb UvKv, BKz¨BwU wewb‡qvM 0.8 wewjqb UvKv, eÛ wewb‡qvM 0.4 wewjqb UvKv, wW‡eÂvi � q 0.5 wewjqb UvKv Ges wjR A_v©qb 2.0 wewjqb UvKv| A_©eQi 11-G AvBwmwe †gvU 4.6 wewjqb UvKvi wewb‡qvM A½xKvi K‡iwQj |

cyuwR evRv‡i Zdwmwj e¨vsK¸‡jvi wewb‡qvM

7.23 Zdwmwj e¨vsK¸‡jvi cyuwR evRv‡ii wmwKDwiwU‡R (BKz¨BwU I wW‡eÂvi wn‡m‡e) Ryb 2011 †k‡l †gvU wewb‡qv‡Mi cwigvY ùvovq 139.5 wewjqb UvKv, Ryb 2010 †k‡l hvi cwigvY wQj 86.3 wewjqb UvKv| †kqvi I wmwKDwiwUR Gi wecix‡Z Zdwmwj e¨vsK¸‡jvi AvMv‡gi w¯’wZ Ryb 2011 †k‡l ùvovq 9.7 wewjqb UvKv, hv Ryb 2010 †k‡l ùvwo‡qwQj 35.5 wewjqb UvKv|

cyuwRevRvi Dbœq‡b M„nxZ c`‡¶c

7.24 cyuwRevRv‡i wewb‡qvMKvix‡ì Av¯’v e„w×i gva¨‡g cyuwRevRv‡ii mvwe©K Kvh©� g †Rvi`viKi‡Yi j‡ÿ¨ wmwKDwiwUR GÛ G·‡PÄ Kwgkb (SEC)

A_©eQi 11-G wbgœwjwLZ c`‡ÿc MÖnY K‡i‡Q t

†h me †Kv¤úvbxi cwi‡kvwaZ g~ja‡bi cwigvY Kgc‡ÿ 300 wgwjqb UvKv Zv‡ì‡K AvBwcI Gi Rb¨ Av‡e`b Kivi AbygwZ cÖ`vb Kiv nq|

÷K †eªvKvi¸‡jv‡K cyuwR evRv‡i †h †Kvb evowZ †jb‡`b G·‡cvRv‡ii wecix‡Z Zv‡ì AvgvbZ wØ¸Y Kivi wb‡`©k cÖ`vb Kiv nq|

wbwUs myweavi AccÖ‡qv‡M mKj ÷K †eªvKvi nvDR Ges gv‡P©›U e¨vsK‡K Zv‡ì wewb‡qvMKvix‡ì‡K AwMÖg Avw_©K myweav †`qv †_‡K weiZ _vKvi wb‡`©kbv †`qv nq|

ms‡kvwaZ mvwK©U †eªKvi eë¯’v Abyhvqx GK w`‡b †kqv‡ii g~j¨ kZKiv 10 fv‡Mi AwaK n«vm/ e„w× n‡Z cvi‡e bv| hv c~‡e© wba©vwiZ wQj kZKiv 20 fvM|

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7.25 A_©eQi 11-Gi RvZxq ev‡R‡U cuywRevRvi Dbœqb mnvqK wn‡m‡e †NvwlZ c`‡ÿç‡jv n‡jv t

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†Kv¤úvwb G¨v‡±i ms‡kvabx ïiæ Kiv|

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AvšÍR©vwZK evRv‡ii gZ cuywR evRvi wbqš¿‡Yi AeKvVv‡gv ¯^”QKi‡Yi c`‡ÿc MÖnY|

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FY evRvi

A_©‰bwZK D‡Ï‡kï cÖKvi‡f‡` Zdwmwj e¨vsK¸‡jvi AvMvg

7.26 A_©eQi 11-G Zdwmwj e¨vsK¸‡jvi †gvU AvMv‡gi †ÿ‡Î EaŸ ©gyLx cÖeYZv jÿ¨ Kiv hvq (mviYx


74

7.11)| Ryb 2011 †k‡l Zdwmwj e¨vsK¸‡jvi †gvU AvMv‡gi cwigvY 3212.9 wewjqb UvKvq ùvovq, hv Ryb 2010 †k‡li 2574.5 wewjqb UvKvi Zyjbvq kZKiv 24.8 fvM †ewk| mv¤úÖwZK eQi¸‡jv‡Z A_©‰bwZK D‡Ï‡kï cÖKvi‡f‡` Zdwmwj e¨vsK¸‡jvi AvMvg cÖ`v‡bi †ÿ‡Î D‡jøL‡hvM¨ cwieZ©b jÿ¨ Kiv hvq| A_©eQi 10-Gi Zzjbvq A_©eQi 11-G †gvU AvMv‡gi g‡a¨ D‡jøL‡hvM¨ cwigv‡Y e„w× cvq Ô cwienb I †hvMv‡hvMÕ Lv‡Z hv c~e©eZx© eQ‡ii Zzjbvq kZKiv 43.5 fvM †ewk| Gi ci � gvš^‡q i‡q‡Q- wbg©vY (kZKiv 33.0 fvM), wkí-KviLvbv (kZKiv 29.1 fvM), K…wl, eb I grm¨ (kZKiv 26.3 fvM), eëmv (kZKiv 25.2 fvM), PjwZ g~ja‡b A_©vqb (kZKiv 22.2 fvM) Ges Ab¨vb¨ LvZ (kZKiv 11.2 fvM)| Av‡jvP¨ eQ‡i Zdwmwj e¨vsK¸‡jvi †gvU AvMv‡gi A_©‰bwZK D‡Ïk¨ wfwËK Ae`v‡bi †ÿ‡Î eëmv LvZ (kZKiv 37.9 fvM) AMªYx f~wgKv cvjb K‡i| Zvici wØZxq Ae¯’v‡b i‡q‡Q wkí LvZ (kZKiv 21.8 fvM)| Gici � gvš^‡q i‡q‡Q PjwZ g~ja‡b A_©vqb (kZKiv 14.6 fvM), wbg©vY LvZ (kZKiv 7.5 fvM), K…wl, eb I grm¨ (kZKiv 6.1 fvM), cwienb I †hvMv‡hvM LvZ (kZKiv 1.6 fvM) Ges Ab¨vb¨ LvZ (kZKiv 10.5 fvM)| A_©eQi 11-G Zdwmwj e¨vsK¸‡jvi †gvU AvMv‡gi A_©‰bwZK D‡Ïk¨ wfwËK Ae`vb PvU© 7.4 G †`Lv‡bv nj|

e¨vsK I Avw_©K cÖwZôvb¸‡jvi †gqvw` wkí FY

7.27 A_©eQi 11-G e¨vsK I Avw_©K cÖwZôvb¸‡jvi †gqvw` wkí FY weZiY kZKiv 24.3 fvM e„w× †c‡q


75

mviYx 7.12 e¨vsK I Avw_©K cÖwZôvb¸‡jvi †gqvw` wkí FY

FY cÖ`vbKvix ms¯’vweZiY

A_©eQi 10 A_©eQi 11 A_©eQi 10 A_©eQi 11 A_©eQi 10 A_©eQi 11 A_©eQi 10 A_©eQi 11 A_©eQi 11A_©eQi 10

Av`vq w¯’wZ †gqv‡`vËxY©

Drm : GmGgB I †¯úkvj †cÖvMÖvgm wefvM, evsjv‡`k e¨vsK|

1| ivó ªxq gvwjKvbvaxb evwYwR¨K e¨vsK2| †emiKvwi evwYwR¨K e¨vsK3| we‡`kx e¨vsK4| ivó ªxq gvwjKvbvaxb we‡klvwqZ e¨vsK (wewWweGj, we‡Kwe, ivKve, †ewmK)5| Avw_©K cÖwZôvb †gvU t

13.4203.9

6.95.9

28.6258.8

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35.4321.6

10.9135.5

7.46.7

29.3189.8

22.7175.716.36.6

28.8250.2

111.1331.4

19.126.5

77.3565.4

140.9408.7

15.132.6

87.9685.1

30.921.40.46.5

5.064.3

30.721.90.46.0

5.964.9

27.86.52.1

24.5

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18.4

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(wewjqb UvKv)

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(wewjqb UvKv)

A_©eQi 10LvZ A_©eQi 11mv cwieZ©b (%)

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2| wkí

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6| eëmv

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155.7

542.7

385.2

181.9

35.2

971.7

302.1

2574.5

196.6

700.5

470.6

241.9

50.5

1216.8

336

3212.9

26.3

29.1

22.2

33.0

43.5

25.2

11.2

24.8

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1.6%

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7.29 Ryb 2011 †k‡l we‡`kx e¨vsK¸‡jvi †gqv‡`vËxY© F‡Yi cwigvY wQj LyeB Kg (kZKiv 2.6 fvM)| Avw_©K cÖwZôvb¸‡jv Ges †emiKvwi evwYwR¨K e¨vsK¸‡jvi †gqv‡`vËxY© F‡Yi cwigvYI Zzjbvg~jKfv‡e A‡bK Kg (h_v�‡ g kZKiv 6.7 Ges 5.4 fvM)| Ryb 2011 †k‡l ivó ªxq gvwjKvbvaxb evwYwR¨K e¨vsK Ges ivó ªxq gvwjKvbvaxb we‡klvwqZ e¨vsK¸‡jvi †gqv‡`vËxY© F‡Yi cwigvY wQj A‡bK †ewk (h_v�‡ g kZKiv 21.8 Ges 18.4 fvM)|

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76

PvU© 7.5

e¨vsK I Avw_©K cÖwZôvb¸‡jviwkí Lv‡Z †gqvw` FY: A_©eQi 11

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gwnjv‡ì Avw_©K Ae¯’v kw³kvjxKi‡Yi D‡Ï‡k¨ evsjv‡`k e¨vsK GmGgB cybt A_©vqb

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wkí Lv‡Z †gqvw` F‡Yi Znwej e„w×

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77

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¶z`ª I gvSvwi D‡`¨v³v‡ì A_©vq‡bi j‡¶¨ 'Enterprises Growth and Bank

Modernisation Programme (EGBMP)'

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20.6 wewjqb UvKv cybt A_©vqb wn‡m‡e cÖ`vb Kiv n‡q‡Q|

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Gi AvIZvq A_©ms¯’v‡bi Rb¨ †hvM¨ LvZ¸‡jv n‡jv we`yy¨r Drcv`b, mÂvjb, weZiY I †mev cÖ`vb, e›ì (mgy`ª, b`x I ¯’j) Dbœqb, cwi‡ek, wkí I Ab¨vb¨ eR©¨ eë¯’vcbv, d¬vBIfvimn gnvmoK I wewfbœ G·‡cÖmI‡q wbg©vY, cvwb mieivn I weZiY, my¨qv‡iR I wb®‹ vkb eë¯’vcbv Ges wkí bMix I cvK© Dbœqb cÖf„wZ LvZ| Z‡e we`y¨r LvZ‡K m‡e©v”P AMÖvwaKvi †`qv n‡q‡Q|

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78

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86

evsjv‡`‡ki Lv`¨ wbivcËv g~jZ `vwi`ª¨Zvi Kvi‡Y cÖfvweZ n‡”Q| `vwi`ª¨ `~ixKiY Ges RbM‡Yi Lv`¨ wbivcËv wbwðZKi‡Yi Rb¨ †`kwU me©vZ¥ K cÖ‡Póv Pvwj‡q hv‡”Q| Lv`¨km¨ Drcv`‡b D‡jøL‡hvM¨ AMÖMwZ m‡Ë¡I †`‡ki GK Z…Zxqvsk RbMY GLbI Pig `vwi`ª¨mxgvi wb‡P emevm Ki‡Q Ges Acywó‡Z fzM‡Q| m¤úªwZ Lv`¨`ª‡eï g~j¨ e„w×, êwk¦ K A_©bxwZi Pvc Ges Af¨šÍixY Pvwn`v †e‡o hvIqvq †`‡ki Lv`¨ wbivcËv AwaKZi Aw¯’wZkxj n‡q I‡V hv A_©bxwZi Rb¨ GKUv eo P¨v‡jÄ n‡q ùvovq|

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e· 8.1

evsjv‡`‡ki Rb¨ Lv`¨ wbivcËvi P¨v‡jÄ


87

F‡Yi w¯’wZ‡Z ivó ªxq gvwjKvbvaxb evwYwR¨K e¨vsK¸‡jvi †gqv‡`vËxY© F‡Yi cwigvY ùvovq kZKiv 40.13 fvM; †hLv‡b ivKve, weAviwWwe Ges we‡Kwe - Gi e‡Kqv F‡Yi cwigvY wQj h_v�‡ g kZKiv 39.06, 36.71 I 14.17 fvM|

Ab¨w`‡K, K…wl FY weZi‡Yi †¶‡Î †emiKvwi Ges we‡`wk e¨vsK¸‡jvi Ae`vb D‡jøL‡hvM¨ nv‡i e„w× †c‡q‡Q Ges A_©eQi 11-G e¨vsK¸‡jvi FY weZi‡Yi cwigvY ùvovq 29.74 wewjqb UvKv, hv Av‡jvP¨ eQ‡i †gvU weZiYK…Z K…wl F‡Yi cÖvq kZKiv 24.41 fvM|ivó ªxq gvwjKvbvaxb evwYwR¨K Ges we‡klvwqZ e¨vsK¸‡jvi D”PgvÎvi †gqv‡`vËxY© Abv`vqx K…wl F‡Yi †evSv Zv‡ì e„n`vs‡Ki m¤ú‡ì Aeiæ×Zv

K…wl F‡Yi Drmmg~n

8.4 ivó ªxq gvwjKvbvaxb evwYwR¨K e¨vsK¸‡jvB GLb ch©šÍ K…wl Lv‡Z A_©vq‡bi cÖavb Drm| we‡klvwqZ e¨vsK¸‡jv †hgb- we‡Kwe I ivKve, PviwU ivó ªxq gvwjKvbvaxb evwYwR¨K e¨vsK Ges weAviwWwe K…wl FY weZi‡Y gyL¨ f~wgKv cvjb K‡i _v‡K| Z‡e, A_©eQi 11 G evwl ©K K…wl FY weZi‡Yi †¶‡Î c~e©eZ©x eQi¸‡jvi gZ we‡Kwei Ask wQj me©vwaK| A_©eQi 11-G we‡Kwe GKKfv‡e †gvU K…wl F‡Yi kZKiv 42.96 fvM weZiY K‡i, Gici i‡q‡Q †emiKvwi gvwjKvbvaxb e¨vsK¸‡jvi Ask kZKiv 19.93 fvM Ges ivó ªxq gvwjKvbvaxb evwYwR¨K e¨vsK¸‡jvi Ask kZKiv 18.17 fvM| A_©eQi 11 †k‡l †gvU e‡Kqv

Drcv`b e„w×i Ici we‡kl ¸iæZ¡ Av‡ivc Kiv n‡q‡Q | mvi, wW‡Rj I Ab¨vb¨ K…wl DcKi‡Yi D”Pg~‡j¨ fvimvg¨ Avbvi Rb¨ miKvi Gme Lv‡Z fZz©wK Ae¨vnZ †i‡L‡Q, hvi d‡j †`‡ki K…wlLvZ ci ci `yÕeQi Zvi D”P cÖe„w×i nvi eRvq ivL‡Z mÿg n‡q‡Q | K…wlLv‡Zi G D”P cÖe„w×i nvi eRvq ivLvi Rb¨ miKv‡ii Ae¨vnZ mn‡hvwMZv cÖ‡qvRb| G Rb¨ bZzb bZzb GjvKv K…wl Pv‡li AvIZvq Avbv, nvBeªxW Rv‡Zi avb Pv‡li gva¨‡g km¨ NbZ¡ e„w× Kiv Ges K…wlLvZ‡K evwYwR¨Kfv‡e mdj Kivi Rb¨ cÖ‡qvRbxq mn‡hvwMZv evov‡bv ìKvi, hvi gva¨‡g K…wl Drcv`b e„w× cv‡e Ges mK‡ji Rb¨ Lv`¨ wbivcËv wbwðZ n‡e |

miKv‡ii cvkvcvwk evsjv‡`k e¨vsKI Lv`¨ wbivcËv ms� všÍ wewfbœ c`‡ÿç‡jv‡K †eMevb Kivi Rb¨ g~j¨ùxwZRwbZ Pvc e…w× bv K‡i mshZ gy`ªvbxwZ AbymiY K‡i hv‡”Q| K…wl Drcv`b e„w×i mnvqK bxwZi Ask wn‡m‡e evsjv‡`k e¨vsK ÿz`ª I cÖvwšÍK Pvlx‡ì cÖ‡qvRbxq Kvh©Kix g~ja‡bi Pvwn`v †gUv‡bvi Rb¨ evwYwR¨K e¨vsK¸‡jv‡K K…wl FY weZi‡Yi cwigvY evov‡bvi wb‡`©kbv w`‡q‡Q| evsjv‡`k e¨vs‡Ki bxwZ wb‡`©kbvq mKj e¨vs‡Ki Rb¨ K…wl FY weZiY eva¨Zvg~jK Kiv n‡q‡Q hv K…wl Drcv`‡bi wfwË m¤úªmvwiZ Ki‡e Ges km¨ eûgyLxKi‡Yi MwZ Z¡ivwš^Z Ki‡e| †emiKvwi Lv‡Z A‡bK evwYwR¨K e¨vsK i‡q‡Q (MÖvgvÂ‡j hv‡ì †Kvb kvLv †bB) Zviv ÿz`ªFY Kvh©�‡ g wb‡qvwRZ GbwRI¸‡jvi gva¨‡g K…wl FY weZi‡Yi welqwU wbwðZ Ki‡Q| A_©eQi 11-G †`‡k †gvU K…wl FY weZi‡Yi cwigvY kZKiv 9.60 fvM e…w× †c‡q‡Q| K…wli wewfbœ DcLv‡Z wewfbœ D‡Ï‡k¨ eënv‡ii Rb¨ evsjv‡`k e¨vsK kZKiv gvÎ 2.0-7.0 fvM my` nv‡i cybt A_©ms¯’vb cÖw� qv Pvjy †i‡L‡Q hv Drcv`bkxjZv evwo‡q K…wl Drcv`b e„w×‡Z mnvqK n‡e|

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e· 8.1

evsjv‡`‡ki Rb¨ Lv`¨ wbivcËvi P¨v‡jÄ(Pjgvb)


88

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¶z`ª I gvSvwi wk‡í A_©vqb

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20.3

3.7

2.8

6.3

2.4

51.1

951.9

957.9343.0

126.4

0.3

162.2

275.6

23.0

4.5

5.7

9.8

0.7

6.7

226.028.9

18.5

22.8

0.3

8.9

3.4

1.4

25.0

3.9

2.4

7.8

2.8

99.9

1183.9

A_©eQi 12**A_©eQi 11*A_©eQi 10#

miKvwi A_©ms¯’vbbeg Aa¨vq

94

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Pvj, Mg, †cuqvR, Wvj, †fvR¨ †Zj, exR, mvi, Ilya Ges Zzjvi gZ c‡Yï Ici kZKiv k~b¨ fvM ïénvi AcwiewZ©Z wQj| uov `y‡ai Ici Avg`vwb ïé kZKiv 12 fvM †_‡K kZKiv 5 fv‡M n«vm Kiv nq|

m‡e©v”P kZKiv 25 fvM Avg`vwb ïéwewkó c‡Yï Ici kZKiv 5 fvM †i¸‡jUwi ïé AcwiewZ©Z wQj|

wmweBD I wm‡KwW †gvUi mvB‡Kj Avg`vwbi †¶‡Î m¤ú~iK ïénvi kZKiv 20 fvM †_‡K e„w× K‡i 30 fvM Kiv nq|

Acwi‡kvwaZ wPwb I cwi‡kvwaZ wPwbi Ici Ub cÖwZ h_v�‡ g 2,000 Ges 4,000 UvKv nv‡i †¯úwmwdK ïé Av‡ivc Kiv nq|

Avbg¨vby‡dKPvW© Zvgv‡Ki Ici kZKiv 10 fvM nv‡i ißvwb ïé Av‡ivc Kiv nq|

AbjvBbwfwËK g~j¨ ms‡hvRb Ki (g~mK) wbeÜb I `vwLjcÎ Rgv †`qvi eë¯’v cÖPjb Kiv nq|

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Pwjøk ev Z‡ZvwaK Avm‡bi wmweBD/ wW‡Rj/ †c‡Uªvj/ wmGbwR evm Avg`vwbi †¶‡Î kZKiv 15 fvM nv‡i g~mK Av‡ivc Kiv nq|

PvU© 9.1

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m¤ú~iK ïé17.1%

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m¤ú~iK ïé16.9% hvbevnb Ki

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95

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9.7 A_©eQi 11-G evwl©K Dbœqb Kg©m~wP 385.0 wewjqb UvKv †_‡K kZKiv 6.8 fvM Kwg‡q 358.8 wewjqb UvKvq cybwb©a©viY Kiv nq| cÖe„w× I `vwi`ª¨ wbimb j‡¶ï mv‡_ m½wZ †i‡L †gvU e¨‡qi kZKiv 33.1 fvM AeKvVv‡gv Lv‡Z (we`y¨r; †Zj, M¨vm, I cÖvK…wZK m¤ú`; cwienb Ges †hvMv‡hvM) I 23.4 kZvsk mvgvwRK Lv‡Z (wk¶v I ag© Ges ¯^v¯’¨, cywó, RbmsL¨v I cwievi Kj¨vY) e¨q Kiv nq (mviYx 9.5)|

(M) A_©eQi 11-Gi ev‡RU NvUwZ A_©vqb

9.8 A_©eQi 11-Gi ms‡kvwaZ ev‡R‡U NvUwZ (Aby`vb e¨ZxZ) ùvovq 348.2 wewjqb UvKv (wRwWwcÕi kZKiv 4.4 fvM)| G AbycvZ cÖv_wgKfv‡e

9.4 Ki-ewnf~©Z ivR¯^ Lv‡Z my` eve` cÖvwß, g~jab ivR¯^ Ges Rwigvbv, `Ê I ev‡RqvßKiY eve` cÖvwß A_©eQi 10-Gi cÖK…Z ev‡R‡Ui Zzjbvq e¨vcKfv‡e h_v�‡ g kZKiv 334.0, 200.0 Ges 47.4 fvM e„w× cvq| e„w×cÖvß Ab¨vb¨ DcLvZ¸‡jvi g‡a¨ wQj cÖkvmwbK wd kZKiv 38.4 fvM, †Uvj I †jwf kZKiv 37.0 fvM, A-evwYwR¨K we� q kZKiv 30.8 fvM, fvov, BRviv I Av`vq kZKiv 30.0 fvM, Ki e¨ZxZ Ab¨vb¨ ivR¯^ I cÖvwß kZKiv 14.6 fvM, †ijc_ kZKiv 8.6 fvM, Ges cÖwZi¶v eve` cÖvwß kZKiv 6.8 fvM| Ab¨w`‡K, jf¨vsk I gybvdv Ges †mev eve` cÖvwß h_v�‡ g kZKiv 35.2 I 8.7 fvM n«vm cvq| WvK wefvM eve` cÖvwß 2.4 wewjqb UvKvq AcwiewZ©Z _v‡K (mviYx 9.2)|

(L) e¨q

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9.6 A_©eQi 11-G K‡qKwU LvZ h_v mvgvwRK LvZ, Rb k„„•Ljv I wbivcËv, K…wl LvZ, cwienb I †hvMv‡hvM, ¯’vbxq miKvi I cwjø Dbœqb, M„nvqb, Ges Ab¨vb¨ Lv‡Z ms‡kvwaZ PjwZ e¨q cÖv_wgK eivÏ‡K AwZ� g K‡i (mviYx 9.3)| A_©eQi 11-Gi cÖ¯ÍvweZ Abybœqbg~jK PjwZ e¨‡q wb‡¤œv³ ms‡kvabx¸‡jv wQj:

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mviYx 9.3 ivR¯^ e¨‡qi aviv


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213.8

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68.8

56.1

13.7

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4.6

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273.3

61.2

131.6

66.5

63.1

14.2

95.3

32.7

19.2

7.3

6.6

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286.5

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89.5

72.5

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19.4

7.7

3.8

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A_©eQi 12**A_©eQi 11*A_©eQi 10#


96

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A_©eQi 12-Gi ev‡RU

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A_©eQi 12-Gi ev‡R‡Ui †gvU AvKvi ùvwo‡q‡Q 1,635.9 wewjqb UvKv, hv wRwWwcÕi kZKiv 18.2 fvM Ges A_©eQi 11-Gi ms‡kvwaZ ev‡RU A‡cÿv

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140.0

51.7

9.5

0.5

84.8

286.5

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6.414.04.21.79.33.6

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15.62.4

16.90.7

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8.610.2

100.0

A_©eQi 12**A_©eQi 11*A_©eQi 10#


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(wRwWwcÕi kZKiv nvi)

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†Kv¤úvwb Ki`vZviv K‡cv©‡iU mvgvwRK `vqe×Zv (wmGmAvi) Lv‡Z m‡e©v”P 80,000,000 UvKv ev †gvU Av‡qi kZKiv 20.0 fvM wewb‡qvM ev Aby`vb cÖ`vb Ki‡j kZKiv 10.0 fvM nv‡i Ki †iqvZ cv‡e| e¨w³ Lv‡Z wewb‡qvM DrmvwnZ Kivi j‡¶¨ Ki †iqv‡Zi Rb¨ Aby‡gvw`Z m‡e©v”P wewb‡qvM mxgv 10,000,000 UvKvq e„w× Kiv n‡q‡Q|

we`¨gvb Ki AeKvk mgqmxgv 30 Ryb 2013 ch©šÍ evov‡bv n‡q‡Q| moK, †mZz BZ¨vw` †fŠZ AeKvVv‡gvi †ÿ‡Î Ki AeKv‡ki †gqv` we`¨gvb 5 ev 7 eQ‡ii cwie‡Z© 10 eQ‡i evov‡bv n‡q‡Q| Ab¨vb¨ GjvKvi mv‡_ mvgÄm¨ †i‡L ißvwb cÖw� qvRvZKiY GjvKvq (Bwc‡RW) 1 Rvbyqvwi 2012-Gi ci ¯’vwcZ wk‡íi †ÿ‡Î GKBiƒ c Ki AeKvk myweav †`qv n‡q‡Q| Z‡e Bwc‡RW G c~‡e©B cÖwZwôZ wkí¸‡jv we`¨gvb myweav cv‡e| mdUIq¨vi wk‡íi Rb¨ Ki Ae¨vnwZ mgqmxgv 30 Ryb 2013 ch©šÍ evov‡bv n‡q‡Q|

cuywRevRv‡i wewb‡qvMKvix‡ì Rb¨ cÖ‡hvR¨ Ki Ae¨vnwZ myweav Ki‡hvM¨ mxgvi †P‡q †ewk Avq nIqvi ciI envj ivLv n‡q‡Q| kZKiv 10.0 fvM nv‡i Ki cÖ`vb mv‡c‡ÿ cuywR evRvi, evsjv‡`k AeKvVv‡gv A_©vqb Znwej wjwg‡UW (weAvBGdGdGj) Ges †UªRvix e‡Û wewb‡qvM †Kvb cÖkœ e¨wZ‡i‡K MÖnY Kiv n‡e|

wewfbœ mÂqc‡Îi Dr‡m Ki KZ©‡bi nvi we`¨gvb kZKiv 10 fvM †_‡K n«vm K‡i kZKiv 5 fvM Kiv n‡q‡Q|

÷K G·‡P‡Ä ZvwjKvfy³ ÷K †eªvKvi‡ì †eªvKv‡iR Kwgk‡bi Dci Dr‡m AvqKi KZ©‡bi nvi kZKiv 0.05 fvM †_‡K kZKiv 0.10 fv‡M DbœxZ Kiv n‡q‡Q|

(L) Avg`vwb ïé

Pvj, Wvj, Mg, wPwb, †fvR¨ †Zj, †cuqvR, mvi, exR, Rxeb iÿvKvix Ilya Ges Zzjvi g‡Zv c‡Yï Dci k~b¨ kZvsk ïénvi AcwiewZ©Z i‡q‡Q|

ïé AvbyK‚ j¨cÖvß cY¨ e¨wZ‡i‡K m‡e©v”P (25 kZvsk) ïéwewkó c‡Yï Dci 5 kZvsk †i¸‡jUwi ïé AcwiewZ©Z i‡q‡Q|

wmweBD (KgwcøUwj weë Avc A_ev wmweBD Ae¯’vq) †gvUimvB‡Kj Avg`vwbi †ÿ‡Î we`¨gvb kZKiv 30 fvM m¤ú~iK ïé nvi kZKiv 45 fv‡M e„w× Kiv n‡q‡Q| wm‡KwW (KgwcøUwj bKW& WvDb) †gvUimvB‡Kj Avg`vwbi Ici kZKiv 5 fvM nv‡i †i¸‡jUwi ïé cÖZ¨vnvi Kiv n‡q‡Q Ges m¤ú~iK ïé nvi kZKiv 30 fv‡M AcwiewZ©Z i‡q‡Q|

cÖv_wgK I gva¨wgK ¯Í‡ii gyw`ªZ cvV¨cy¯ÍK Avg`vwbi Dci ïénvi kZKiv 5.0 fvM †_‡K kZKiv 12.0 fv‡M e„w× Kiv n‡q‡Q|

Avg`vwbK…Z Avmevec‡Îi Dci m¤ú~iK ïé kZKiv 20.0 fvM †_‡K kZKiv 30.0 fv‡M DbœxZ Kiv n‡q‡Q| cvwU©‡Kj †evW© I GgwWGd †ev‡W©i Dci kZKiv 5.0 fvM †i¸‡jUwi ïé cÖZ¨vnvi Kiv n‡q‡Q|

_¨vjv‡mwgqv †ivMxi i³ cwi‡kva‡b eëüZ wjD‡KvmvBU wdëvi-Gi Dci Av‡ivwcZ kZKiv 5.0 fvM Avg`vwb ïé Ges kZKiv 15.0 fvM g~mK cÖZ¨vnvi Kiv n‡q‡Q|

(M) g~j¨ ms‡hvRb Ki (g‚mK)

Ô g~j¨ ms‡hvRb Ki AvBb, 2011Õ Gi Lmov cÖ¯‘ Z Kiv n‡q‡Q|

cÖwZ wK‡jvMÖvg 100 UvKv g~j¨gvb ch©šÍ nv‡Z ˆZwi we¯‹ zU I †K‡Ki Dci Drcv`b ch©v‡q g~mK cÖZ¨vnvi Kiv n‡q‡Q|

†gvevBj †dvb wmg Kv‡W©i Dci g~mK 800 UvKv †_‡K 600 UvKvq n«vm Kiv n‡q‡Q|

g~mK duvwKi Rb¨ cÖ‡hvR¨ m‡e©v”P `Ê duvwKK…Z ivR‡¯î AvovB ¸Y †_‡K cwieZ©b K‡i †ò ¸Y Kiv n‡q‡Q|

e· 9.1

A_©eQi 12-Gi ev‡R‡Ui cÖavb ivR¯^ c`‡¶cmg~n


99

†jwf Ges my` eve` cÖvwß h_v�‡ g kZKiv 16.7, 12.9, 7.7, 6, 5.4 Ges 5.1 fvM e„w×i jÿ¨gvÎv aiv n‡q‡Q| g~jab ivR¯^ Ges Rwigvbv, `Ê I ev‡RqvßKiY eve` cÖvwß h_v�‡ g kZKiv 50.0 Ges 14.3 fvM n«vm cv‡e cÖ‡ÿcY Kiv n‡q‡Q| A-evwYwR¨K we� q eve` cÖvwß AcwiewZ©Z _vK‡e e‡j aiv n‡q‡Q (mviYx 9.2)|

(L) e¨q

9.11 A_©eQi 11-Gi ms‡kvwaZ †gvU miKvwi e¨‡qi Zzjbvq A_©eQi 12-G e¨q kZKiv 25.8 fvM e„w× †c‡q 1,635.9 wewjqb UvKvq ùvov‡e e‡j cÖZ¨vkv Kiv n‡q‡Q| PjwZ e¨q kZKiv 13.9 fvM, evwl©K Dbœqb Kg©m~wP kZKiv 28.2 fvM Ges Ab¨vb¨ e¨q kZKiv 74.6 fvM e„w× cv‡e e‡j cÖ‡¶cY Kiv n‡q‡Q| †gvU e¨q-wRwWwcÕi AbycvZ A_©eQi 11-Gi ms‡kvwaZ ev‡R‡U kZKiv 16.5 fv‡Mi Zzjbvq A_©eQi 12-G kZKiv 18.2 fv‡M e„w× cv‡e e‡j cÖ‡¶cY Kiv n‡q‡Q (mviYx 9.1)|

9.12 A_©eQi 12-Gi ev‡R‡U cÖ‡ÿwcZ PjwZ e¨q ùvovq 878.5 wewjqb UvKv (mviYx 9.1 I 9.3)| †gvU PjwZ e¨‡qi cÖvq GK Z…Zxqvsk eivÏ Kiv n‡q‡Q mvgvwRK Lv‡Z, hvi cÖavb AskB wk¶v I cªhyw³, ¯^v¯’¨, mvgvwRK wbivcËv I Kj¨vY Kg©m~wP‡Z e¨wqZ nIqvi gva¨‡g gvbe m¤ú` Dbœqb I mvgvwRK wbivcËv †eóbx m¤úªmvi‡Y mnvqZv Ki‡e (mviYx 9.4)|

K…wl Lv‡Zi Rb¨ (Dbœqb I Abybœqb e¨q wg‡j) †gvU 125.2 wewjqb UvKv eivÏ †`qv n‡q‡Q, hv c~e©eZ©x A_©eQ‡ii ms‡kvwaZ ev‡R‡U eiv‡Ïi Zzjbvq kZKiv 4.2 fvM Kg| G Lv‡Z fZ©ywK wn‡m‡e 45.0 wewjqb UvKv eivÏ †`qv n‡q‡Q|

gvbe m¤ú` Dbœqb n‡jv me©v½xY Dbœqb cÖ‡Póvi ALÊ Ask| gvbe m¤ú` Dbœqb Lv‡Z (Dbœqb I Abybœqb e¨q GK‡Î) †gvU 341.5 wewjqb UvKv eivÏ †`qv n‡q‡Q| G e¨q †gvU Dbœqb I Abybœqb ev‡R‡Ui kZKiv 20.9 fvM|

Ô cÖavbgš¿xi wkÿv mnvqZv dvD‡ÛkbÕ wk‡ivbv‡g miKvwi-†emiKvwi A_©vq‡b GKwU bZzb Znwe‡j 10 wewjqb UvKv eivÏ †`qv n‡q‡Q| G Znwe‡j miKvi exRA‡_©i GKwU Ask w`‡e| evwK A_© †emiKvwi cÖwZôvb¸‡jv K‡c©v‡iU mvgvwRK `vqe×Zv Kg©m~wPi AvIZvq mieivn Ki‡e|

eq¯‹ fvZvi myweav‡fvMxi msL¨v 2.5 wgwjq‡b evov‡bv n‡q‡Q Ges G eve` 8.9 wewjqb UvKv eivÏ †`qv n‡q‡Q| cÖvq 0.92 wgwjqb myweav‡fvMx j¶¨gvÎv †i‡L 3.3 wewjqb UvKv Ô weaev I ¯^vgx cwiZ¨³v gwnjv‡ì Rb¨ `yt ¯’ fvZv ¯‹ xgÕ G eivÏ †`qv n‡q‡Q|

A_©eQi 12-G Am”Qj cÖwZeÜx fvZv Kg©m~wPi AvIZvq 286,000 myweav‡fvMxi Rb¨ cÖvq 1 wewjqb UvKv eivÏ †`qv n‡q‡Q|

cwjø AÂ‡j emevmiZ `wi`ª gv‡q‡ì Rb¨ M„nxZ `wi`ª gvÕi gvZ…Z¡Kvjxb fvZv Kg©m~wP‡Z 92,000 `wi`ª gv‡q‡ì Rb¨ 0.4 wewjqb UvKv eivÏ †`qv n‡q‡Q| knivÂ‡j Kg©Rxex `wi`ª¨ gvÕi gvZ…Z¡Kvjxb fvZv eve` 0.3 wewjqb UvKv eivÏ ivLv n‡q‡Q Ges myweav‡fvMxi msL¨v 77,600 R‡b DbœxZ Kiv n‡q‡Q|

wfÿve„wË Aemvb Kg©m~wPi AbyK‚ ‡j 70 wgwjqb UvKv eivÏ †`qv n‡q‡Q| AwZ `wi`ª‡ì Rb¨ Kg©ms¯’vb m„wó Kg©m~wP‡Z 10.0 wewjqb UvKv †`qv n‡q‡Q| Gi d‡j cwjø GjvKvq 1.5 wgwjqb gvby‡li mvgwqK Kg©ms¯’vb Kiv m¤¢ e n‡e|

`vwi`ª¨ wbim‡b wewfbœ cÖK‡í †gvU 42.3 wewjqb UvKv eivÏ †`qv n‡q‡Q| G¸‡jvi g‡a¨ i‡q‡Q cwjø AÂ‡j Kg©ms¯’vbg~jK MÖvgxY iv¯ÍvNvU †givgZ cÖK‡í 1.3 wewjqb UvKv, miKvwi m¤ú` msiÿY cÖK‡í 0.4 wewjqb UvKv, g½vcxwoZ nZ`wi`ª‡ì Rb¨ Kg©ms¯’vb cÖKí Ges `wi`ª Rb‡Mvôxi A_©‰bwZK ÿgZvq‡b M„nxZ cÖK‡íi Rb¨ 1.2 wewjqb UvKv| A_©eQi 12-G K…wlFY weZi‡Yi Rb¨ 138.0 wewjqb UvKv eivÏ †`qv n‡q‡Q|

9.13 A_©eQi 12-G evwl©K Dbœqb Kg©m~wP 460.0 wewjqb UvKv cÖ‡¶cY Kiv nq, hv A_©eQi 11-Gi

†gvU ev‡R‡Ui AvKvi 1,635.9 wewjqb UvKv|

cÖv°wjZ Abybœqb I Dbœqb e¨q h_v�‡ g 1,029.0 wewjqb I 506.4 wewjqb UvKv|

ivR¯^ ev‡RU †_‡K Dbœqbg~jK Kg©m~wPi Rb¨ eivÏ 13.3 wewjqb UvKv|

GwWwc-ewnf~©Z cÖK‡í eivÏ 20.4 wewjqb UvKv|

GwWwc-ewnf©~Z Kv‡Ri wewbg‡q Lv`¨ Kg©m~wP I ¯’vbvšÍi eve` eivÏ 12.8 wewjqb UvKv|

gvbe m¤ú` Dbœqb Lv‡Z 341.5 wewjqb UvKv A_©vr †gvU ev‡R‡Ui kZKiv 20.9 fvM eivÏ|

K…wl Lv‡Z eivÏ 125.2 wewjqb UvKv (Dbœqb I Abybœqb), hv c~e©eZ©x A_©eQ‡ii ms‡kvwaZ ev‡R‡U eiv‡Ïi †P‡q kZKiv 4.2 fvM Kg|

K…wl Lv‡Z fZ©ywK wn‡m‡e 45.0 wewjqb UvKv eivÏ †`qv n‡q‡Q|

¯^v¯’¨ I cwievi Kj¨vY Lv‡Z eivÏ 88.7 wewjqb UvKv (Dbœqb I Abybœqb), hv c~e©eZ©x A_©eQ‡ii ms‡kvwaZ ev‡R‡U eiv‡Ïi †P‡q kZKiv 16.4 fvM †ewk|

R¡vjvwb I we`y¨r Lv‡Z eivÏ 83.1 wewjqb UvKv (Dbœqb I Abybœqb), hv c~e©eZ©x A_©eQ‡ii ms‡kvwaZ ev‡R‡U eiv‡Ïi †P‡q kZKiv 14.5 fvM †ewk|

wk¶v I cÖhyw³ Lv‡Z eivÏ 203.2 wewjqb UvKv (Dbœqb I Abybœqb), hv c~e©eZx© A_©eQ‡ii ms‡kvwaZ ev‡R‡Ui eiv‡Ïi †P‡q kZKiv 9.4 fvM †ewk|

mvgvwRK wbivcËv I Kj¨vY Lv‡Z eivÏ 110.5 wewjqb UvKv (Dbœqb I Abybœqb), hv c~e©eZ©x A_©eQ‡ii ms‡kvwaZ ev‡R‡U eiv‡Ïi †P‡q kZKiv 6.0 fvM †ewk|

¯’vbxq miKvi I cwjø Dbœqb Lv‡Z eivÏ 122.7 wewjqb UvKv (Dbœqb I Abybœqb), hv c~e©eZ©x A_©eQ‡ii ms‡kvwaZ ev‡R‡U eiv‡Ïi †P‡q kZKiv 17.0 fvM †ewk|

cwienb I †hvMv‡hvM Lv‡Z eivÏ 112.8 wewjqb UvKv (Dbœqb I Abybœqb), hv c~e©eZx© A_©eQ‡ii ms‡kvwaZ ev‡R‡U eiv‡Ïi †P‡q kZKiv 30.2 fvM †ewk|

my` cwi‡kva Lv‡Z eivÏ 180.0 wewjqb UvKv (Abybœqb), hv c~e©eZx© A_©eQ‡ii ms‡kvwaZ ev‡R‡U eiv‡Ïi †P‡q kZKiv 23.5 fvM †ewk|

(L) evwl©K Dbœqb Kg©m~wP (GwWwc)

evwl©K Dbœqb Kg©m~wP 460.0 wewjqb UvKvq cÖv°jb Kiv nq, hv c~e©eZ©x A_©eQ‡ii ms‡kvwaZ ev‡R‡Ui GwWwcÕi Zzjbvq kZKiv 28.2 fvM †ewk|

e· 9.2

A_©eQi 12-Gi ev‡R‡Ui cÖavb e¨q c`‡¶cmg~n


100

(M) A_©eQi 12-Gi ev‡RU NvUwZ A_©vqb

9.14 A_©eQi 12-Gi cÖv°wjZ 452.0 wewjqb UvKv ev‡RU NvUwZ (Aby`vb e¨ZxZ) A_©eQi 11-Gi ms‡kvwaZ ev‡RU NvUwZi Zzjbvq 103.8 wewjqb UvKv †ewk| A_©eQi 12-Gi kZKiv 5.0 fvM ev‡RU

ms‡kvwaZ evwl©K Dbœqb Kg©m~wP 358.8 wewjqb UvKv A‡c¶v kZKiv 28.2 fvM †ewk| †gvU evwl©K Dbœqb Kg©m~wPi kZKiv 35.6 fvM AeKvVv‡gv Lv‡Z eivÏ †`qv n‡q‡Q| Ab¨w`‡K, †gvU evwl©K Dbœqb Kg©m~wPi kZKiv 21.9 fvM eivÏ †c‡q‡Q mvgvwRK LvZ (mviYx 9.5)|

(K) Dbœqb e¨q I Abybœqb e¨q

miKvwi A_©ms¯’vb beg Aa¨vq

101

NvUwZ-wRwWwc AbycvZ A_©eQi 11-Gi kZKiv 4.4 fv‡Mi Zzjbvq †ewk| Avkv Kiv n‡”Q †h, Af¨šÍixY e¨vsK I e¨vsK-ewnf‚ ©Z F‡Yi gva¨‡g NvUwZi 272.1 wewjqb UvKv (wRwWwcÕi kZKiv 3.0 fvM) c‚ iY Kiv n‡e, hv A_©eQi 11-Gi ms‡kvwaZ ev‡R‡U wQj 248.2 wewjqb UvKv (wRwWwcÕi kZKiv 3.2 fvM) Ges ê‡`wkK A_©vq‡bi gva¨‡g Aewkó 130.6 wewjqb UvKv (wRwWwcÕi kZKiv 1.5 fvM) †gUv‡bv n‡e, hv A_©eQi 11-G wQj 57.8 wewjqb UvKv (wRwWwcÕi kZKiv 0.7 fvM) (PvU© 9.3 I 9.4)| Af¨šÍixY FY 272.1 wewjqb UvKvi g‡a¨ e¨vsK eë¯’v n‡Z FY 189.6 wewjqb UvKv cÖ‡¶cY Kiv nq|

9.15 A_©eQi 12-Gi ev‡RU eZ©gvb gnv‡RvU miKv‡ii Z…Zxq ev‡RU| ev‡RUwU 9 Ryb 2011 Zvwi‡L cÖ¯Íve Kiv nq Ges RvZxq msm‡` 29 Ryb 2011 G Aby‡gvw`Z nq|

ev‡RU cÖYq‡bi mgq msm`xq ¯’vqx KwgwUi m¤gvwbZ m`m¨, gš¿Yvj‡qi ¯’vqx KwgwUi m¤gvwbZ mfvcwZ,wewkó A_©bxwZwe`, mgv‡Ri wewfbœ m`m¨, †ckvRxex, mvsevw`K, mykxj mgv‡Ri cÖwZwbwa, Dbœqb we‡klÁ Ges wewfbœ gš¿Yvj‡qi mwPe‡ì mv‡_ K‡qKwU cÖvK ev‡RU Av‡jvPbv mfvi Av‡qvRb Kiv nq| miKv‡ii Dbœqb fvebvq K…wl I K…l‡Ki ¸iæZ¡ we‡ePbvq †i‡L A_©gš¿x wb‡R h‡kvi †Rjvi K…lK‡ì mv‡_ gZwewbgq K‡ib Ges K…wl mgm¨v I m¤¢ vebvi wel‡q Zuv‡ì gZvgZ †kv‡bb| mswkøó cÿ¸‡jv †_‡K cÖvß gZvgZ ev‡RU cÖYq‡bi mgq cÖwZdwjZ nq|

ev‡R‡U A_©eQi 12-Gi Rb¨ kZKiv 7.0 fvM wRwWwc cÖe„w× aiv n‡q‡Q| G cÖe„w× AR©b m¤¢ e n‡e g~jZ we`y¨r I R¡vjvwb, †hvMv‡hvM AeKvVv‡gv Ges K…wl Lv‡Zi Dbœq‡bi gva¨‡g| miKvi K…wl Lv‡Z cÖe„w× †UKmB Ki‡Z K…wl Drcv`‡b km¨ wbweoZv I K…wlc‡Yï eûgyLxKi‡Yi mvnv‡h¨ Drcv`bkxjZv e„w×i gva¨‡g cÖ‡Póv MÖnY K‡i‡Q| we`y¨r I R¡vjvwb Lv‡Z

mgwš^Z Dbœqb, miKvwi I †emiKvwi gvwjKvbvq †h mKj eo cÖKí nv‡Z †bqv n‡q‡Q, †m¸‡jvi mdj ev¯Íevq‡bi d‡j cÖPzi wewb‡qvM Avm‡e Ges cÖe„w×i nvi Kvw•ÿZ ch©v‡q †cuŠQ‡e| wkí Lv‡Zi cÖe„w×i mv‡_ m½wZ †i‡L Avw_©K, evwYR¨ Ges Ab¨vb¨ †mevLvZI cÖe„w× jvf Ki‡e|

MZ K‡qK eQ‡i RvZxq ivR¯^ †evW© (GbweAvi) ivR¯^ Avni‡Y e¨vcK mvdj¨ †`wL‡q‡Q| A_©eQi 11-G †gvU ivR¯^ cªvwß ùvovq 790.9 wewjqb UvKv| GbweAvi-G me©v½xY ms¯‹ vi Kg©m~wP Pj‡Q| GbweAvi AvaywbKvqb cwiKíbv 2011-2016 MÖnY Kiv n‡q‡Q| miKvi‡K eZ©gvb ivR¯^ AvniY Kvh©� g Av‡iv †Rvi`vi Ki‡Z n‡e| ivR¯^ Lv‡Z †UKmB Dbœq‡bi Rb¨ ivR¯^ e„w×i c`‡ÿc MÖnY Kiv cÖ‡qvRb|

A_©eQi 12-Gi †gvU miKvwi e¨q A_©eQi 11-Gi ms‡kvwaZ e¨‡qi Zzjbvq †ewk n‡e e‡j cÖv°jb Kiv n‡q‡Q| Gi d‡j c~e©eZ©x A_©eQ‡ii ev‡RU NvUwZi Zzjbvq A_©eQi 12-Gi NvUwZ †e‡o wRwWwcÕi kZKiv 5.0 fvM n‡e| ê‡`wkK A_©vqb n«vm cvIqvq e¨q wbe©v‡ni Rb¨ miKvi Af¨šÍixY e¨vswKs eë¯’v †_‡K FY †bqvi w`‡K Syu‡K‡Q| Z‡e ga¨ I `xN©‡gqvw` jÿ¨mn cÖe„w×i PvKv Ae¨vnZ ivL‡Z wewfbœ Lv‡Z ewa©Z e¨q cÖ‡qvRb| gvbe m¤ú` Dbœqb, `vwi`ª¨ wbimb, mvgvwRK wbivcËv †eóbx Kg©m~wP, K…wl I cwjø Dbœqb, we`y¨r I R¡vjvwb, moK c_mn mvgvwRK I †fŠZ AeKvVv‡gv Lv‡Z ev‡RU eivÏ Riæwi| miKvwi e¨‡qi †hŠw³KxKiY Ges ivR¯^ AvniY Kvh©� g GK‡Î ivR¯^ eë¯’vcbvi Ici Pvc Kgv‡Z mnvqK n‡Z cv‡i|

cÖe„w× AR©‡b GwWwc ev¯Íevqb Kvh©Kix f‚ wgKv cvjb K‡i| GwU miKv‡ii Rb¨ GKwU P¨v‡jÄ| GwWwc ev¯Íevqb evov‡Z †ek wKQz c`‡ÿc †bqv n‡q‡Q| `kwU eo gš¿Yvjq/ wefv‡M GwWwc ev¯Íevq‡bi AMÖMwZ Mfxifv‡e ch©‡eÿ‡Yi Rb¨ GKwU Uv¯‹ †dvm© MVb Kiv n‡q‡Q|

ê‡`wkK LvZ

`kg Aa¨vq

102

AvšÍR©vwZK A_©‰bwZK cwiw¯’wZ

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cÖevmx‡ì †cÖwiZ †iwgU¨vÝ Avni‡Y evsjv‡`k eZ©gv‡b we‡k¦ mßg Ges `wÿY Gwkqvi †`kmg~‡ni g‡a¨ wØZxq ¯’v‡b i‡q‡Q| fviZ `wÿY Gwkqvq cÖ_g| cÖevmx †iwgU¨v‡Ýi cwigvY A_©eQi 2000-Gi 1949.32 wgwjqb gvwK©b Wjvi †_‡K D‡jøL‡hvM¨ cwigv‡Y e„w× †c‡q A_©eQi 11-G 11650.32 wgwjqb gvwK©b Wjv‡i ùvwo‡q‡Q| cÖevmx‡ì †cÖwiZ †iwgU¨vÝ eZ©gv‡b †gvU †`kR Drcv`‡bi cÖvq 11 kZvsk Ges †gvU ißvwb Av‡qi 50.64 kZvsk| evwYwR¨K NvUwZ †gvKv‡ejvq cÖevmx‡ì †cÖwiZ †iwgU¨vÝ ¸iæZ¡c~Y© f‚ wgKv cvjb Ki‡Q, d‡j PjwZ wnmv‡e NvUwZ mnbxq gvÎvq i‡q‡Q|

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cÖevmx evsjv‡`kx‡ì ¯^‡`‡k e¨vswKs P¨v‡b‡j `ªæZ A_© †cÖiY Ges mvwe©Kfv‡e †iwgU¨vÝ cÖev‡n MwZkxjZv Avbq‡bi j‡ÿ¨ miKvi Ges evsjv‡`k e¨vsK KZ„©K B‡Zvg‡a¨ †ek wKQy ¸iæZ¡c~Y© c`‡ÿc †bqv n‡q‡Q, hv wb¤œiƒ c t

1. †`kxq e¨vsK/ evsjv‡`‡k wbewÜZ e¨vsKmg~‡ni mv‡_ we‡`kx G·‡PÄ nvDm¸wji W«wqs eë¯’v Aby‡gv`b cÖw� qv‡K mnRZi Kiv n‡q‡Q;

2. †iwgU¨vÝ Avni‡Y AwaKZi wbqš¿Y cÖwZôvi j‡ÿ¨ evsjv‡`kx e¨vsKmg~‡ni we‡`‡k G·‡PÄ nvDR/ kvLv Awdm ¯’vc‡b Drmvn cÖ`vb Kiv n‡”Q;

3. e¨vsK kvLvi cvkvcvwk Micro Finance Institutions (MFIs) Gi kvLv Awdm¸‡jv I evsjv‡`k †cv÷ Awd‡mi kvLv Awdm¸‡jv‡K †iwgU¨vÝ weZi‡Yi gva¨g wn‡m‡e eënv‡ii Aby‡gv`b †`qv n‡q‡Q;

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Gi 3-eQi †gqvw` Poverty Reduction & Growth

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Integration Mechanism (TIM) Gi AvIZvq Av‡iv 53.33 wgwjqb GmwWAvi Aby‡gv`b Kiv nq, hvi djkÖæwZ‡Z PRGF Gi AvIZvq Aby‡gvw`Z F‡Yi †gvU cwigvY ùvovq 400.33 wgwjqb GmwWAvi| hv‡nvK, PRGF Gi AvIZvq M„nxZ F‡Yi cwigvY ùvovq 316.73 wgwjqb GmwWAvi| N~wY©So wmWi I `y‡Uv eb¨vq ¶wZMÖÍ nvRvi nvRvi RbM‡Yi mvnvhv‡_© Emergency Natural Disaster Assistance

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wewbgq nvi bxwZgvjvi cwieZ©b

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Q) evsjv‡`k e¨vs‡Ki iscyi Awd‡m e‡`wkK gy`ªv bxwZ wefvM Pvjy Kiv n‡q‡Q| iscyi, bxjdvgvix, jvjgwbinvU, KywoM«vg, w`bvRcyi, cÂMo I VvKyiMvuI †Rjv evsjv‡`k e¨vsK iscyi Awd‡mi AvIZvaxb _vK‡e |

R) G·Uvibvj †m±i Z_v e‡`wkK LvZ †jb‡`b wi‡cvwU©s Gi Rb¨ †KvW wj‡÷i bZyb ms‹iY (2011 ms‹iY) cÖKvwkZ n‡q‡Q| Aby‡gvw`Z wWjvi e¨vsK‡jv‡K RyjvB 2011 n‡Z D³ wj÷ Abyhvqx e‡`wkK gy`ªv †jb‡`b cÖwZ‡e`b `vwLj Kivi wb‡`©kbv Rvwi Kiv n‡q‡Q |

S) e‡`wkK gy`ªv AvBb 1947 Gi 20(3) aviv †gvZv‡eK evsjv‡`k e¨vsK KZ„©K MvBWjvBÝ di d‡ib G·‡PÄ U«vbRvKkvÝ Gi 2q ms‹iY cÖKvk Kiv n‡q‡Q| Aby‡gvw`Z wWjvi e¨vsK‡jv‡K D³ cÖKvkbv †gvZv‡eK e‡`wkK gy`ªv †jb‡`b wi‡cvwU©s Kivi Rb¨ e‡`wkK gy`ªv bxwZ wefvM KZ„©K wb‡`©kbv Rvwi Kiv n‡q‡Q|

T) Aby‡gvw`Z wWjvi e¨vsK we‡`k n‡Z Avg`vwb D™¢~Z ¯xK„Z wej e¨vsKvi-M«vnK m¤c‡K©i wfwË‡Z h_vh_ c×wZ AbymiYc~e©K wWmKvD›U/�q Ki‡Z cvi‡e |

U) BDGmG, KvbvWv I BBD e¨ZxZ Ab¨ †h †Kvb evRv‡i Zwi †cvkvK/e¿ mvgMÖx Ges †h †Kvb evRv‡i wewUGgG Gi m`m¨fz³ wg‡j Drcvw`Z myZv cÖZ¨ÿfv‡e ißvwbi wecix‡Z wØZxq cÖ‡Yv`bv myweav cÖ`v‡bi wm×všÍ M„nxZ n‡q‡Q| A_©eQi 10, 11 I 12 G cÖ‡`q myweavi cwigvY n‡jv ißvwbi GdIwe g~‡jï h_v�‡ g kZKiv 5.0, 4.0 I 2.0 fvM| cieZ©x‡Z, bZyb evRvi m¤cÖmvi‡Yi Rb¨ ißvwbi GdIwe g~‡jï Ici mnvqZv cÖ`v‡bi bxwZgvjv †NvwlZ n‡q‡Q| G myweav cÖvwß‡Z †`kxq myZv/Kvco eënvi ev wWDwU W«-e¨vK/e‡ÛW Iq¨vinvDR myweav hyMcrfv‡e †fvM bv Kivi kZ© cÖZ¨vnvi Kiv n‡q‡Q|


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cÖwZ‡iv‡a iæZ¡c~Y© f~wgKv cvjb K‡i‡Q| Gi djkÖæwZ‡Z, A_©eQi11-G evsjv‡`k gvwb jÛvwis cÖwZ‡iv‡a mvdj¨ AR©b K‡i‡Q| D‡jøwLZ Aav‡`‡ki AvIZvq gvwb jÛvwis cÖwZ‡iva wefvM A_©eQi 10-G †`ke¨vcx A_© cvPvi Ges mš¿vmx Kg©Kv‡Ê A_© †hvMvb cÖwZ‡iv‡a wewfbœ c`‡ÿc MÖnY K‡i Ges eë’v †bq| gvwb jÛvwis cÖwZ‡iva AvBb, 2009 Ges mš¿vm we‡ivax AvBb, 2009 Gi AvIZvq M„nxZ wewfbœ iæZ¡c~Y© eë’v MÖnY K‡i| G mKj c`‡ÿc MÖn‡Yi d‡j A_©eQi 11-G e‡`wkK gy`ªvi gRy` e„w× †c‡q‡Q| GwU we‡eP¨ †h, G AR©‡bi g~j KviY n‡jv ea †iwgU¨vÝ †jb‡`bKvix cÖwZôv‡bi gva‡g †ewkifvM †iwgU¨v‡Ýi AšÍtcÖevn N‡U‡Q| gvwb jÛvwis cÖwZ†iv‡a m‡PZbZv Ges gvwb jÛvwis cÖwZ‡iva Aav‡`k Gi evÍevqb †`‡k †iwgU¨vÝ AšÍtcÖev‡ni weKí A‰ea c_‡jv‡K †iva Ki‡Q|

10.38 evsjv‡`k e¨vsK gvwb jÛvwis cÖwZ‡iva Aav‡`k (gvwb jÛvwis cÖwZ‡iva wefvM, dvBbvwÝqvj Bw›Uwj‡RÝ BDwbU, evsjv‡`k) Gi AvIZvq gvwb jÛvwis cÖwZ‡iva wefvM‡K †`ke¨vcx gvwb jÛvwis cÖwZ‡iv‡a gvwb jÛvwis wel‡q Avw_©K m¤cÖ`v‡qi m‡PZbZv m„wó, e¨vswKs LvZ I Avw_©K cÖwZôv‡bi (evsjv‡`k e¨vsK KZ…©K †iwRw÷ªcÖvß Avw_©K cÖwZôvb, BÝy¨‡iÝ †Kv¤úvwb, gvwb †PÄvi, A_© †jb‡`bKvix cÖwZôvb, Ab¨vb¨ eëmv cÖwZôvb) m‡› nhy³ †jb‡`b Ges eo As‡Ki †jb‡`b gwbU‡ii gva‡g AMÖYx f~wgKv cvj‡bi ÿgZv cÖ`vb K‡i‡Q| D³ wefvM AvBb cÖ‡qvMKvix ms’v‡K Z_¨ cÖ`vb K‡i _v‡K|

10.39 gvwb jÛvwis cÖwZ‡iva AvBb, 2009 Gi ms‡kvabc~e©K gvwbjÛvwis cÖwZ‡iva AvBb, 2009 Gi Aax‡b gvwbjÛvwis cÖwZ‡iva wefvM wewfbœ D‡jøL‡hvM¨ c`‡ÿc MÖnY K‡i

gvwb jÛvwis cÖwZ‡iva AvBb, 2009 Gi ms‡kvabc~e©K gvwbjÛvwis cÖwZ‡iva AvBb, 2009 Gi aviv 2| (V) (F) Gi m~‡Î miKv‡ii Aby‡gv`b�‡ g (1) ÷K wWjvi I ÷K †eªvKvi,

V) miKvwi wm×všÍ †gvZv‡eK †h mKj Drcv`bKvix ißvwbKviK weMZ A_©eQi 2009-G gvwK©b Wjvi 3.50 wgwjqb cwigvY e¿/e¿ mvgMÖx ißvwb K‡i‡Qb Ges †Kvb e„nr wk‡íi gvwjK bb, †m mKj cÖwZôvb‡K ÿz`ª I gvSvwi wkí cÖwZôvb wn‡m‡e msÁvwqZ Kiv n‡q‡Q| bM` mnvqZv cÖvß ÿz`ª I gvSvwi wkí cÖwZôvb‡K wWDwU Wª-e¨vK/ Kv÷gm&& eÛ myweavi cwie‡Z© weMZ A_©eQi 10-G ißvwbi 5% AwZwi³ bM` mnvqZvi Aby‡gv`b †`qv n‡q‡Q| G myweav A_©eQi 11-G Ae¨vnZ _vK‡e|

W) wbR^ KviLvbv/Drcvw`Z cY¨ ißvwbi wecix‡Z ÿy`« I gvSvwi Zwi †cvkvK/e¿ mvgMÖx ißvwb‡Z ’vbxq g~j¨ ms‡hvR‡bi 2% nv‡i we‡kl myweav cÖ`vb Kivi wm×všÍ M„nxZ n‡q‡Q| Av‡jvP¨ we‡kl myweav cÖ`v‡bi †ÿ‡Î ’vbxq g~j¨ ms‡hvR‡bi wnmvevqb Kiv n‡e GdIwe g~‡jï 25% nv‡i| D³ myweav A_©eQi 11-G ißvwbi †¶‡Î cÖ‡hvR¨ n‡e| bM` mnvqZv myweav‡fvMx‡ì †¶‡Î G myweav cÖ‡hvR¨ bq|

X) cvwKÍvb, fviZ, nsKs I wm½vcyi e¨ZxZ Ab¨vb¨ †`‡k cvURvZ `ªe¨vw` ißvwbi †ÿ‡Î ißvwbKvi‡Kiv AwMÖg wUwUÕi wecix‡Z bM` mnvqZv myweav cÖvß n‡eb| ZvQvov, wbw`©ó wmwjs mxgvi g‡a Pvgov I PvgovRvZ `ªe¨ Ges nÍRvZ `ªe¨ ißvwbi wecix‡Z bM` mnvqZv myweav cÖ`v‡bi wm×všÍ M„nxZ n‡q‡Q |

Y) miKv‡ii Znwe‡ji Aceënvi †ivaK‡í Avjy ißvwbi †ÿ‡Î bM` mnvqZv cÖ`v‡bi R‡b¨ GdIwe g~‡jï wmwjs cÖwZ †gwU«K U‡b 280 Wjvi wba©viY Kiv n‡q‡Q|

Z) miKv‡ii wm×všÍ�‡ g wngvwqZ wPswo I Ab¨vb¨ gvQ ißvwbi †ÿ‡Î bM` mnvqZv cÖ`v‡bi R‡b¨ BDwbU cÖwZ (cvDÛ) GdIwe g~‡jï wmwjs h_v�‡ g Wjvi 4.74 I Wjvi 1.38 G wba©viY Kiv n‡q‡Q|

gvwb jÛvwis cÖwZ‡iva Kvh©� g

10.37 evsjv‡`k e¨vsK gvwb jÛvwis cÖwZ‡iva AvBb, 2009-Gi wewamg~n evÍevq‡bi gva‡g gvwb jÛvwis


119

...... (2) †cvU©‡dvwjI g¨v‡bRvi I gv‡P©›U e¨vsKvi, (3) wmwKDwiwU Kv÷wWqvb, (4) m¤ú eë’vcK, (5) A-jvfRbK ms’v/cÖwZôvb I (6) †emiKvwi Dbœqb ms’v‡K wi‡cvU© cÖ`vbKvixms’v wn‡m‡e Ges G AvB‡bi 2(_) (17) avivi m~‡Î miKv‡ii Aby‡gv`b�‡ g m¤ú„³ 6wU Aciva‡K AšÍf©y³ Kiv n‡q‡Q|

GdAvBBD KZ©„K 2010 m‡b m‡› nRbK †jb‡`‡bi †KBm‡jvi cÖv_wgK (prima facie)

Z`‡šÍi ci eë’v MÖn‡Yi Rb¨ `yb©xwZ `gb Kwgk‡b †cÖiY Ges Av`vj‡Z Dc’vcbmn wewfbœ wel‡q evsjv‡`k e¨vsK `y`‡Ki mv‡_ wbweo †hvMv‡hv‡Mi gva‡g KvR K‡i hv‡”Q| AMLD D³ †KBmmg~‡ni nvjbvMv` Ae’v ch©‡eÿY Kiv nq|

wewfbœ †`k †_‡K Pzwi/cvPvi n‡q hvIqv A_© wdwi‡q Avbvi c`‡ÿc MÖnY Kiv nq|

gvwb jÛvwis cÖwZ‡iva wefvM Ryb 2010 ch©šÍ wewfbœ e¨vsK †_‡K 680wU m‡› nRbK †jb‡`b wi‡cvU© (STR) MÖnY K‡i‡Q| D³ wi‡cvU©mg~n ch©v‡jvPbv K‡i cª‡qvRbxq eë’v MÖnY Kiv n‡e|

24wU evwYwR¨K e¨vsK gvwb jÛvwis cÖwZ‡iva Aav‡`k cwicvjb bv Kivi Rb¨ Aav‡`‡ki kZ©vbyhvqx `ÊcÖvß n‡q‡Q| wKQz e¨vsK‡K GKvwaKevi `wÊZ Kiv n‡q‡Q| Gi g‡a 5wU evwYwR¨K e¨vsK A_©eQi 11-G `ÊcÖvß nq|

gvwb jÛvwis cÖwZ‡iva wefvM e¨vsK Kg©KZ©v‡ì g‡a m‡PZbZv m„wói j‡ÿ AML/CFT ms�všÍ wewfbœ cÖwkÿY I Kg©kvjvi eë’v MÖnY Ae¨vnZ †i‡L‡Q| Av‡jvP¨ eQi n‡Z wewfbœ Avw_©K cÖwZôvb I BÝy‡iÝ †Kv¤úvbxi Kg©KZ©v‡ì Dc‡iv³ Kg©m~wP‡Z AšÍ©fz³ K‡i DrmvwnZ Kiv n‡”Q|

gvwb jÛvwis cÖwZ‡iva wefv‡Mi dvBb¨vwÝqvj Bb‡Uwj‡RÝ BDwbU (FIU) m‡› nRbK †jb‡`b

.......wi‡cvU© (STR) Ges bM` †jb‡`b wi‡cvU© (CTR) Gi gZ wewfbœ A_© ms�všÍ Z‡_ï mg„× WvUv‡eR cwiPvjbv K‡i _v‡K| G mKj Z‡_ï wbivcËv Ges †MvcbxqZv iÿvi Rb¨ mKj cÖ‡qvRbxq eë’v MÖnY Kiv n‡q‡Q|

evsjv‡`k e¨vs‡Ki gvwb jÛvwis cÖwZ‡iva wefv‡Mi FIU B‡Zvg‡a 10wU †`‡ki mv‡_ mg‡SvZv §viK ¯vÿi K‡i‡Q| D‡jøL¨, 2010 m‡b hy³ivR¨, _vBj¨vÛ Ges kÖxj¼vi mv‡_ mg‡SvZv §viK ¯vÿwiZ n‡q‡Q|

EGMONT GROUP G evsjv‡`‡ki m`m¨c` jv‡fi Rb¨ evsjv‡`k e¨vs‡Ki gvwb jÛvwis cÖwZ‡iva wefv‡Mi FIU cÖ‡Póv †Rvi`vi K‡i‡Q| EGMONT GROUP Gi m`m¨c` cvIqv †M‡j 117wU m`m¨ iv‡óªi mv‡_ Z_¨ wewbgq mnR n‡e| G †ÿ‡Î gvj‡qwkqv Ges _vBj¨vÛ evsjv‡`‡ki m`m¨fzw³i Rb¨ h_v�‡ g cÖÍve Ges mg_©b K‡i‡Q|

gvwb jÛvwis cÖwZ‡iva wefv‡Mi GKwU D‡jøL‡hvM¨ mvdj¨ n‡jv AML/CFT ms�vš— Asia Pacific

Group on Money Laundering (APG)

Typology Workshop, 2010 Gi Av‡qvRb|D³ IqvK©k‡c APG- Gi 40wU m`m¨ †`‡ki cÖwZwbwamn wewfbœ AvšÍR©vwZK ms’vi 160 cÖwZwbwa AskMÖnY K‡i‡Q| IqvK©kcwU mdjfv‡e Av‡qvR‡bi Rb¨ APG Ges wewfbœ AvšÍR©vwZK ms’v KZ©„K evsjv‡`k eûj cÖkswmZ n‡q‡Q| A_©eQi 11-G gvwb jÛvwis cÖwZ‡iva wefvM (FIU) mš¿vmx Kg©Kv‡Ê A_© †hvMvb ms�všÍ Ges A_© cvPvi cÖwZ‡iva Awfhv‡b Ab¨vb¨ †`‡ki ms‡M mn‡hvwMZv kw³kvjx Kivi Rb¨ wewfbœ AvšÍRv©wZK m‡¤§jb/mfv/IqvK©k‡c evsjv‡`‡ki cÖwZwbwaZ¡ K‡i‡Q|

10.40 miKv‡ii `„p A½xKvi Ges gvwb jÛvwis cÖwZ‡iva wefv‡Mi Kvh©Ki I mg‡qvc‡hvMx c`‡ÿ‡ci Kvi‡Y Asia Pacific Group on Money Laundering


120

(APG) KZ…©K evsjv‡`‡ki Mutual Evaluation

Rating Avkvbyiƒc bv n‡jI evsjv‡`k International

Cooperation Review Group Gi Public

Statement Gi AvIZvq bv G‡m Ongoing

Monitoring Gi AvIZvq G‡m‡Q hv Avkve¨ÄK|

†Kwe‡bU wgwUs G bZzb gvwb jÛvwis cÖwZ‡iva AvBb, 2011-Gi bxwZgvjvq m¤§wZ Ávcb Kiv nq|

mš¿vm we‡ivax AvBb, 2009-Gi ms‡kva‡bi D‡`¨vM MÖnY Kiv n‡q‡Q| G †cÖwÿ‡Z gvwb jÛvwis cÖwZ‡iva wefvM KZ©„K B‡Zvg‡a Lmov AvBb cÖ‘Z Kiv n‡q‡Q hv cÖ‡qvRbxq Kvh©�g MÖn‡Yi Rb¨ mswkøó gš¿Yvj‡q †cÖiY Kiv n‡q‡Q|

gvwb jÛvwis Ges mš¿v‡m A_©vqb cÖwZ‡iv‡a D”P ch©v‡qi bxwZ cÖYqb Ges Kg©cš’v wba©vi‡Yi Rb¨ gvbbxq A_©gš¿xi †bZ…‡Z¡ National

Coordination Committee (NCC) MwVZ n‡q‡Q| AvšÍR©vwZK gvb`‡Ê DbœxZ Kivi j‡ÿ gvwb jÛvwis cÖwZ‡iva Ges Kge¨vwUs dvBb¨vwÝs Ae †U‡ivwiRg (AML/CFT) 2011-2013 Gi RvZxq †KŠkjcÎ National Coordination

Committee-KZ…©K Aby‡gvw`Z n‡q‡Q|

gvwb jÛvwis cÖwZ‡iva AvBb, gvwb jÛvwis I mš¿v‡m A_©vq‡b †`‡ki SuywK wbiƒcY (Country

Risk Assessment) Kiv n‡”Q|

†M‡RU †bvwU‡ki gva‡g gvwb jÛvwis I mš¿vm A_©vqb Aciva‡K Schedule of Extradition

Act, 1974 G AšÍf©y³ Kiv n‡q‡Q|

gvwb jÊvwis Ges mš¿vm A_©vqb Gi wewfbœ Bmy¨‡jv wPwýZ Kivi gva‡g eZ©gv‡b cÖPwjZ �m eW©vi wWK¬v‡ikb cwieZ©‡bi Rb¨ evsjv‡`k FIU Gi mv‡_ Kv÷gm A_wiwU Ges Ab¨vb¨ mswkøó G‡RwÝi ms‡M Gi †hŠ_ mfv AbywôZ nq|

A_© gš¿Yvj‡qi e¨vsK I Avw_©K cÖwZôvb Dc-wefvM mKj mswkøó G‡RwÝ‡K mswkøó Ges cÖ‡qvRbxq Z‡_ï Rb¨ FIU Gi Aby‡iva mv‡c‡ÿ Zv ZvrÿwYKfv‡e cÖ`v‡bi †bvwUk Rvwi K‡i‡Q|

gvwb jÛvwis cÖwZ‡iva Ges Kge¨vwUs dvBb¨vwÝs Ae †U‡ivwiRg (AML/CFT) wel‡q bb-cÖwdU AiMvbvB‡Rkb Ges GbwRImg~n‡K c„_K `ywU mvK©yjvi Bmy¨ Kiv n‡q‡Q|

10.41 bb e¨vsK Avw_©K cÖwZôvb Ges BÝy¨‡iÝ †Kv¤úvwbi Rb¨ gvwb jÛvwis I mš¿vm A_©vq‡bi weiæ‡× cÖwZ‡iva M‡o †Zvjvi Rb¨ GKwU wb‡`©kbv †bv‡Ui Lmov cÖ‘Z Kiv n‡q‡Q Ges †÷K‡nvìviMY‡K †cÖi‡Yi eë’v †bqv n‡q‡Q|

10.42 UN Security Council Resolution Gi wb‡`©kbv cwicvj‡bi Rb¨ e¨vsKmg~n‡K wb‡`©kbv cÖ`vb Kiv n‡q‡Q| ZvQvov, mš¿vm we‡ivax AvBb, 2009 Gi h_vh_ cwicvj‡bi RbÏ e¨vsKmg~n‡K wb‡`©kbv cÖ`vb Kiv n‡q‡Q|

10.43 MÖvn‡Ki mv‡_ cÖZviYvg~jK eëmvwqK m¤úK© ’vcb Ki‡Q g‡g© m‡› nK…Z Multi Level

Marketing (MLM) †Kv¤úvwbmg~‡ni weiæ‡× `yb©xwZ `gb Kwgk‡bi mv‡_ †hŠ_ D‡`¨v‡M gvwb jÛvwis cÖwZ‡iva wefvM wewfbœ c`‡ÿc MÖnY K‡i‡Q|

†c‡g›U GÛ †m‡Uj‡g›U wm‡÷gm&

GKv`k Aavq

121

11.3 evsjv‡`‡k we`¨gvb KvMRwfwËK †c‡g›U wm‡÷gm& Avav-¯qsw�q, mgqMÖvnx Ges A‡bK SuywKc~Y© wQj| GwU AvšÍR©vwZKfv‡e Abym„Z †c‡g›U wm‡÷gm& Gi mgch©v‡qi wQj bv| †`‡ki wbKvk AÂj‡jv‡Z (Clearing Region) †PK I Ab¨vb¨ KvMRwfwËKBÝUªy‡g›Umg~n wbKvk n‡Z t + 2 ev t + 3 mg‡qi cÖ‡qvRb n‡Zv| AvšÍtAvÂwjK BÝUªy‡g›Umg~n wbKvk n‡Z AviI †ewk mgq jvMZ| G Rb¨ evsjv‡`k e¨vsK Riæwi wfwË‡Z wbKvk eë’v AvaywbKvq‡bi c`‡¶c wb‡q‡Q|

11.4 7 A‡±vei 2010 Gi Av‡M evsjv‡`‡k Pvi ai‡bi †c‡g›U Ges †m‡Uj‡g›U wm‡÷gm& Pvjy wQj| G‡jv wQ‡jv t (K) XvKvmn evsjv‡`k e¨vs‡Ki 8wU kvLv Awd‡m cwiPvwjZ wbKvk Ni, (L) evsjv‡`k e¨vs‡Ki †Kvb kvLv †bB - †`‡ki G ai‡bi 31wU †K‡› ª †mvbvjx e¨vsK KZ©„K cwiPvwjZ wbKvk Ni, (M) evsjv‡`k e¨vs‡Ki eo As‡Ki (Large Value) †PK †c‡g›U eë’v I (N) evsjv‡`k e¨vsK KZ©„K XvKvq cwiPvwjZ e‡`wkK gy`ªv wbKvk eë’v| wbKvk Nimg~‡ni gva‡g †PK, WªvdU, †c-AW©vi, wWwf‡WÛ Ges widvÛ Iqv‡i›U BZ¨vw` BÝUªy‡g›Umg~n wbKvk Kiv n‡Zv| G mgÍ bb-K¨vk †c‡g›U Bb÷yª‡g›U QvovI †�wWU KvW©, †WweU KvW©, GwUGg †jb‡`b ax‡i ax‡i RbwcÖqZv cvw”Qj|

11.5 †`‡k we`¨gvb KvMRwfwËK †c‡g›U Ges †m‡Uj‡g›U wm‡÷gm& Gi e`‡j GKwU Z_¨cÖhyw³ wfwËK, `ª“ZZi, wbivc` Ges Kvh©Ki B‡j±ªwbK †c‡g›U wm‡÷gm& cÖwZôvi j‡¶ evsjv‡`k e¨vs‡Ki D‡`¨vMB me©cÖ_g| hy³ivR¨ wfwËK AvšÍR©vwZK mvnvh¨ ms’v wWGdAvBwW (DFID) Gi KvwiMwi I Avw_©K mnvqZvq †`‡ki cÖ_g B‡j±ªwbK wbKvk eë’v evsjv‡`k A‡Uv‡g‡UW wK¬qvwis nvDR (weGwmGBP) B‡Zvg‡aB evsjv‡`k e¨vsK Pvjy K‡i‡Q|

11.1 cY¨ Ges †mev Av`vb cÖ`vb RwbZ Kvi‡Y A_© ’vbvšÍi Ges wb®úwË Kivi Rb¨ wewae× Kvh©cÖYvjxmn †fŠZ I B‡j±ªwbK AeKvVv‡gvB †c‡g›U wm‡÷g| A_©‰bwZK w’wZkxjZv i¶vi Rb¨ Kvh©Ki I wbivc` †c‡g›U wm‡÷gm Gi Avek¨KZv Acwinvh©| GwU †K› ªxq e¨vsKmg~n‡K evRvi-wfwËK BÝUªy‡g›U‡jv‡K AviI fvjfv‡e eënvi K‡i Kvh©Ki gy`ªvbxwZ cwiPvjbvi gva‡g Gi D‡Ïk¨ AR©b mn Avw_©K eë’v I mvwe©K A_©bxwZi `¶Zv evov‡Z mnvqZv K‡i|

11.2 evsjv‡`k e¨vs‡Ki Ab¨Zg iæZ¡c~Y© KvR n‡jv -ÔÔe¨vsK †bvU Bmy¨ mn †c‡g›U wm‡÷gm& Gi AMÖMwZ mvab, wbqš¿Y Ges wbivc` I Kvh©Ki †c‡g›U wm‡÷gm& wbwðZKiYÓ| Awc©Z GB `vwqZ¡ cwicvjb Ges GKwU AZ¨vaywbK †c‡g›U wm‡÷‡gi iæZ¡ Abyaveb K‡i evsjv‡`k e¨vs‡Ki wWcvU©‡g›U Ae Kv‡iÝx g¨v‡bR‡g›U GÛ †c‡g›U wm‡÷gm& (wWwmGgwcGm) †`‡k GKwU wbivc` I Kvh©Ki †c‡g›U wm‡÷gm& M‡o †Zvjvi KvR K‡i Avm‡Q| wWwmGgwcGm Gi Aaxb †c‡g›U wm‡÷gm& wWwfkb (wcGmwW) †`‡k GKwU AZ¨vaywbK †c‡g›U wm‡÷g& M‡o †Zvjvi Rb¨ wb‡gœv³ Avek¨Kxq welq‡jvi Dci KvR K‡i Avm‡Q -

†c‡g›U wm‡÷gm& Gi †KŠkjA‡Uv‡g‡UW †PK cÖ‡mwms wm‡÷gB‡j±ªwbK dvÛ UªvÝdvi †bUIqvK©b¨vkbvj †c‡g›U myBP&†gvevBj wdb¨vwÝqvj mvwf©‡mmB-Kgvm© Ges Gg-Kgvm©AvBb I cÖwewaMZ AeKvVv‡gv†c‡g›U wm‡÷gm& IfvimvBU Ges

†iwgU¨vÝ ms�všÍ welqmg~n

GKv`k Aavq †c‡g›U GÛ †m‡Uj‡g›U wm‡÷gm&

122

evsjv‡`k A‡Uv‡g‡UW †PK cÖ‡mwms wm‡÷g ( BACPS)weMZ 7 A‡±vei 2010 †_‡K Ges evsjv‡`k B‡j±ªwbK dvÛ UªvÝdvi †bUIqvK© (weBGdwUGb)weMZ 28 †deªæqvwi 2011 †_‡K ÔLive OperationÕ ïiæ K‡i‡Q hv eZ©gv‡b †`ke¨vcx mdj Kvh©�g cwiPvjbv Ki‡Q|

evsjv‡`k †c‡g›U Ges †m‡Uj&‡g›Uwm‡÷gm& †i‡jkbm, 2009weMZ 27 GwcÖj 2009 Zvwi‡L cÖKvwkZ n‡q‡Q| evsjv‡`k A‡Uv‡g‡UW †PK cÖ‡mwms wm‡÷g ms�vš— cwiPvjb wewagvjv I c×wZ (BACPS

Operating Rules &

Procedures) weMZ 11 Rvbyqvwi2010 Zvwi‡L cÖKvwkZ n‡q‡Q Ges evsjv‡`k B‡j±ªwbK dvÛUªvÝdvi †bUIqvK© (BEFTN)

Rules weMZ 11 AvM÷ 2010 Zvwi‡L cÖKvwkZ n‡q‡Q|

'Guidelines for Mobile

Financial Services for the

Banks' Aby‡gv`‡bi cÖw�qvq i‡q‡Q| b¨vkbvj †c‡g›U myBP& (NPS) evÍevq‡bi KvR ïiæ n‡q‡Q hv †`‡ki B-Kgv‡m©i we‡kl AMÖMwZ mvab Ki‡e| e¨vsK‡jvi Rb¨ B-Kgvm© m¤úwK©Z Ges Core Banking

Application (CBS) evÍevqbm¤úwK©Z cwicÎ Rvwi Kiv n‡q‡Q|

Kx cvidi‡gÝ GwiqvAe‡RKwUfm mgqm~wP gš—e¨/AMÖMwZmg~n

1| A‡Uv‡g‡UW †PK cÖ‡mwms wm‡÷g IB‡j±ªwbK dvÛ UªvÝdvi †bUIqvK© mgš‡q evsjv‡`k A‡Uv‡g‡UW wK¬qvwis nvDR (weGwmGBP) evÍevqb

2| `¶ †c‡g›U wm‡÷gm& Gi Rb¨ cÖ‡qvRbxq AvBb I cÖwewaMZ AeKvVv‡gv cÖwZôv Kiv

1. AbjvBb e¨vswKs, B-Kgvm©, B-†c‡g›U, GwUGg, wcIGm, †gvevBj †c‡g›Um&, BZ¨vw` cÖeZ©‡b DrmvwnZ Kiv

mviYx 11.1 †c‡g›U wm‡÷gm& Gi Rb¨ ÔÔ÷ªv‡UwRK cøvb 2010-2014Ó

MICR †PK gy`ªY I weZiY|

evsjv‡`k e¨vsK Ges AskMÖnYKvix e¨vsKmg~‡ni g‡a Communication

Link ’vcb|

cÖwZwU e¨vs‡K (e¨enviKvix ch©v‡q) mdUIq¨vi Install Kiv Ges Zv cix¶v Kiv|

Central System cix¶v Kiv Ges AskMÖnYKvix e¨vsKmg~‡ni †PK cÖ‡mwms wm‡÷g Gi mv‡_ Zv GKxf~Z Kiv|

Rbm‡PZbZv Zwi Kiv|

evsjv‡`k †c‡g›U Ges †m‡Uj&‡g›U wm‡÷gm& †i‡jkbm&, 2009 evÍevqb Kiv|

evsjv‡`k A‡Uv‡g‡UW †PK cÖ‡mwms wm‡÷g (BACPS) ms�všÍ cwiPvjb wewagvjv I c×wZ (Operating Rules

& Procedures) evÍevqb Kiv|

evsjv‡`k B‡j±ªwbK dvÛ UªvÝdvi †bUIqvK© (BEFTN) Rules Ges

BEFTN Risk Management

Guidelines ms�všÍ cÖÍvebv I gZvgZmg~n hvPvBc~e©K weGwmGBP-G AskMÖnYKvix‡`i g‡a weZi‡Yi Rb¨ cÖ‘Z Kiv|

mgq mgq A_ev cÖ‡qvRbvbyhvqx evsjv‡`k †c‡g›U Ges †mUj‡g›U wm‡÷gm& †i‡jkbm& ch©v‡jvPbv I cwieZ©b Kiv|

B‡j±ªwbK Ges Gg-†c‡g›Um ms�všÍ cÖwewa cÖYqb Kiv|

AbjvBb e¨vswKs I B-Kgvm© Gi cÖ`vb gvagmg~n eûgyLx Kiv|

evwYwR¨K e¨vsKmg~‡ni Rb¨ Core

Banking Application (CBS)

Ges Centralised Accounting

Systems (CAS) cÖeZ©‡b DrmvwnZ Kiv|

B-†c‡g›U †bUIqvK©mg~‡ni AvšÍtKvh©KvwiZv Avbvi Rb¨ miKv‡ii mv‡_ ms‡hvMmn b¨vkbvj †c‡g›U myBP& evÍevqb Kiv|

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123

WªvdU, †c‡g›U AW©vi, wWwf‡WÛ Ges widvÛ Iqv‡i›U BZ¨vwì gvb cÖwgZKiY (Standardisation) Kiv n‡q‡Q| be cÖewZ©Z G †PK‡jv A‡_©i cwigvY, †jb‡`‡bi †KvW, MÖvn‡Ki wnmve b¤î, ivDwUs b¤î I †PKcvZvi wmwiqvj b¤î - GmKj Z_¨mg„× MICR

(Magnetic Ink Character Recognition) jvBb Øviv ms‡KZve× (Encoded) Kiv n‡q‡Q| GQvovI †PK cÖ`vb I MÖnYKvix e¨vsK kvLv‡K mn‡RB wPwýZ Kivi Rb¨ mycwiKwíZfv‡e Routing Number cÖYqb Kiv n‡q‡Q| †`ke¨vcx MICR Encoded Ges Standardised BÝUªy‡g›Umg~n h_v-†PK, WªvdU, †c‡g›U AW©vi, wWwf‡WÛ Ges widvÛ Iqv‡i›U BZ¨vwì eënvi wbwðZ Kiv n‡q‡Q| Systems Integration

Test (SIT), Live Simulation Test (LST) Ges Live Day Simulation (LDS) mdjfv‡e mgvß nIqvi ci weMZ 7 A‡±vei 2010 †_‡K evsjv‡`k A‡Uv‡g‡UW †PK cÖ‡mwms wm‡÷g ( BACPS)-Gi Live

Operation ïiæ K‡i‡Q| �gvš‡q Ab¨vb¨ AÂjmg~n G eë’vi mv‡_ hy³ n‡q‡Q| eZ©gv‡b ˆ wbK cÖvq 85,000 †ijvi f¨vjy I cÖvq 3000 nvB f¨vjy †PK I Ab¨vb¨ BÝUªy‡g›Umg~n BACPS-Gi gva‡g wbKvk Kiv nq| †`‡ki †gvU †PK msL¨vi kZKiv 85 fvM ¯qsw�q c×wZ‡Z wbKvk Kiv nq| UvKvi As‡K G mKj †ijvi f¨vjy I nvB f¨vjy †P‡Ki Mo g~j¨gvb h_v�‡ g 25.0 wewjqb I 20.0 wewjqb UvKv| †ijvi f¨vjy I nvB f¨vjy †P‡Ki wbKvk P� (Clearing Cycle) †`ke¨vcx h_v�‡ g t+1 I t+0

mg‡q bvwg‡q Avbv n‡q‡Q|

11.9 †c‡g›U wm‡÷gm& Gi AeKvVv‡gvMZ AvaywbKvq‡bi eZ©gvb D‡`¨vM‡jvi g‡a evsjv‡`k B‡j±ªwbK dvÛ UªvÝdvi †bUIqvK© (BEFTN) me‡P‡q iæZ¡c~Y©| 28 †deªæqvwi 2011 †_‡K †`‡ki 47wU e¨vs‡Ki mv‡_ BEFTN Gi Live Operation ïiæ n‡q‡Q| †�wWU †jb‡`‡bi gva‡g G †bUIqv‡K©i Kvh©�g ïiæ n‡jI �gvš‡q G‡Z †WweU †jb‡`b cÖw�qvI ms‡hvwRZ n‡q‡Q| G †bUIqvK© eënvi K‡i A‡bK ai‡bi †�wWU †jb‡`b †hgb- †eZb cÖ`vb, Af¨šÍixY I e‡`wkK †iwgU¨vÝ †cÖiY, mvgvwRK wbivcËv fvZv cÖ`vb, †Kv¤úvbxi jf¨vsk cÖ`vb, Aemi fvZv cÖ`vb, LiP †gUv‡bv, wej †c‡g›U, Ab¨vb¨ K‡c©v‡iU †c‡g›U, miKvwi Ki cÖ`vb, eq‹ fvZv cÖ`vb, miKvwi jvB‡mÝ wd cÖ`vb Ges e¨w³ †_‡K

11.6 evsjv‡`k e¨vsK KZ©„K cÖKvwkZ wfkb, wgkb, ÷ªv‡UwR I Ae‡RKwUf Abyhvqx †c‡g›U Ges †m‡Uj&‡g›U wm‡÷gm& Dbœq‡bi g~j †KŠkjmg~n mviYx 11.1-G †`qv n‡jv| G‡jvi g‡a cÖvq me‡jv j¶B AwR©Z n‡q‡Q Ges evwK‡jvI evÍevq‡bi cÖw�qvq i‡q‡Q|

11.7 †`‡ki me©cÖ_g B‡j±ªwbK wbKvk eë’v evsjv‡`k A‡Uv‡g‡UW wK¬qvwis nvDR (BACH) Gi `ywU Ask- ¯qsw�q †PK cÖw�qvKiY eë’v (BACPS)

Ges B‡j±ªwbK dvÛ UªvÝdvi †bUIqvK© (BEFTN)|`ywU eë’vB e¨vP-wm‡÷‡g KvR K‡i| mvivw`b a‡i evwYwR¨K e¨vsK n‡Z cÖvß †jb‡`b‡jv GKwU c~e©wba©vwiZ mg‡q gvwë‡jUvivj †bwUs (Multilateral

Netting) Gi gva‡g wb®úwË (Settle) nq Ges Z`byhvqx evsjv‡`k e¨vs‡K msiw¶Z cÖ‡Z¨K e¨vs‡Ki wnmve nvjbvMv` Kiv nq| evsjv‡`k A‡Uv‡g‡UW wK¬qvwis nvDR (BACH) Gi Kvh©�‡ gi Rb¨ AZ¨vaywbK Software Ges Hardware wfwËK GKwU Data Center (DC) Ges GKwU Disaster

Recovery Site (DRS) ’vcb Kiv n‡q‡Q| BACH

ms�všÍ Z_¨vw` Av`vb cÖ`v‡bi Rb¨ DC Ges DRS

Gi mv‡_ AskMÖnYKvix evwYwR¨K e¨vsKmg~‡ni g‡a ’vwcZ Communication Link eënvi K‡i GKwU Virtual Private Network (VPN) Zwi Kiv n‡q‡Q| wbivc`fv‡e Z_¨vw` Av`vb cÖ`v‡bi Rb¨ cÖ_gev‡ii g‡Zv evsjv‡`‡k Digital Certificate cÖeZ©b Kiv n‡q‡Q|

11.8 evsjv‡`k A‡Uv‡g‡UW †PK cÖ‡mwms wm‡÷g (BACPS) †PK B‡gwRs GÛ Uªvb‡Kkb wm‡÷g (Cehque Imaging and Truncation System-

CITS) eënvi K‡i KvMRwfwËK BÝUªy‡g›Umg~‡ni B‡j±ªwbK wbKvk K‡i| G wm‡÷‡g XvKvq Aew’Z †K› ªxq cª‡mwms eë’v I wba©vwiZ AvÂwjK †K› ªmg~‡ni gva‡g AšÍtGjvKv (intra-regional) I AvšÍtGjvKv (inter-regional) wbKvk Kiv hvq| G eë’v we‡k¦ Abym„Z m‡e©vËg cš’v‡jvi Abyiƒc Ges me©wbgœ Li‡P †PK wbKvk myweav cÖ`v‡bi D`vniY wn‡m‡e we‡ewPZ n‡”Q| G cÖw�qvi cÖ_g av‡c BACPS-G AskMÖnYKvix mKj evwYwR¨K e¨vsK I mswkøó miKvwi cÖwZôvbmg~n‡K G wel‡q mg¨K aviYv †`qv n‡q‡Q| mKj wK¬qvwis BÝUªy‡g›U h_v - †PK,

†c‡g›U GÛ †m‡Uj‡g›U wm‡÷gm&GKv`k Aavq

124

†gvevBj cÖhyw³ eënvi K‡i †ijI‡q wUwKU I evsjv‡`k w�‡ KU K‡›Uªvj †evW© KZ…©K Av‡qvwRZ †Ljvmg~‡ni wU‡KU wew�i Aby‡gv`b †`qv n‡q‡Q| Online Utility Bill Payment, GKB e¨vs‡Ki MÖvnK‡ì g‡a Online Funds Transfer GesCredit Card wfwËK Internet Payment Pvjy Kivi j‡¶ e¨vsKmg~n‡K cÖ‡qvRbxq wb‡`©kbv m¤^wjZ B-Kgvm© m¤úwK©Z cwicÎ Rvwi Kiv n‡q‡Q|

11.12 †gvevBj dvBb¨vwÝqvj mvwf©‡mm t evsjv‡`k †UwjKg †i‡jUwi Kwgkb Gi I‡qemvBU n‡Z cÖvß †g 2011 Gi Z_¨ Abyhvqx †`‡k cÖvq 75.5* wgwjqb mw�q †gvevBj †dvb MÖvnK i‡q‡Q| †gvevBj †dvb eënviKvix‡ì `ªæZ e„w× Ges †gvevBj Acv‡iUi‡ì †`ke¨vcx †bUIqvK© Zv‡ì weZiY gvag‡K (Distribution Channel) Rbmvavi‡Yi Kv‡Q e¨vswKs †mev †cuŠ‡Q †`qvi we‡klZ †`ke¨cx †iwgU¨vÝ weZiY Z¡ivwšZ Kivi GKwU iæZ¡c~Y© gvag wn‡m‡e Dc’vcb K‡i‡Q| evsjv‡`k e¨vsK e¨vs‡Ki MÖvnK bq Ggb †jvKR‡bi Avw_©K AšÍfz©w³i (Financial Inclusion)

j‡¶ e„nr Avw½‡K wb‡gœv³ †gvevBj wdb¨vwÝqvj mvwf©‡mm‡jv Aby‡gv`b K‡i‡Q -

BbIqvW© †iwg‡UÝ Gi A_© weZiY G‡R›U/ e¨vsK kvLv / GwUGg/ †gvevBj

Acv‡iUi AvDU‡jU Øviv m-wallet

account Gi A_© Av`vb cÖ`vb/ †jb‡`b e¨w³ KZ©„K evwYwR¨K cÖwZôv‡bi A_©

cwi‡kva (†hgb- BDwUwjwU wej) evwYwR¨K cÖwZôvb KZ©„K e¨w³i A_©

cwi‡kva (†hgb- K‡c©v‡iU/wkí KviLvbv/Awdmmg~‡ni †eZb weZiY)

miKvi KZ©„K e¨w³i A_© cwi‡kva (†hgb- eq‹ fvZv, gyw³‡hv×v fvZv BZ¨vw`)

B‡Zvg‡a †c‡g›U wm‡÷gm& wWwfkb n‡Z 11wU e¨vsK‡K †gvevBj cÖhyw³ wfwËK wewfbœ Avw_©K †mev cÖ`v‡bi Aby‡gv`b cÖ`vb Kiv n‡q‡Q hvi g‡a 5wU e¨vsK Zv‡ì Kvh©�g Pvjy K‡i‡Q|

e¨w³i †jb‡`b mn †WweU †jb‡`b †hgb- gU©‡MR †c‡g›Um&, m`m¨ Puv`v, F‡Yi wKwÍ, BbwmD‡iÝ wcÖwgqvg, BDwUwjwU wej †c‡g›U, cÖwZôv‡bi bM` A_© msMÖn, miKvwi Ki cÖ`vb, miKvwi jvB‡mÝ I wewfbœ wd Av`vb cÖ`vb Kiv m¤¢e n‡”Q| Gi d‡j dvÛ Av`vb-cÖ`vb g~j¨mvkªqx n‡q‡Q, SuywK n«vm †c‡q‡Q Ges AwaKZi `¶Zvi mv‡_ †c‡g›U cÖw�qv m¤úv`b Kiv hv‡”Q| eZ©gv‡b ˆ wbK cÖvq 1500-1600 EFT

†jb‡`b m¤úbœ n‡”Q hv �gvš‡q †e‡oB P‡j‡Q| UvKvi As‡K EFT Gi gva‡g cÖvq 120.0 wgwjqb UvKv †jb‡`b n‡q _v‡K| fwel¨‡Z BEFTN Gi mv‡_ Mobile Financial Services ms‡hvwRZ n‡e| e¨vs‡Ki MÖvnK bq Ggb †jvKR‡bi Rb¨ e¨vswKs †mev I eëmv-evwY‡Rï ms‡hv‡Mi Ges e¨vsK I eëmv cÖwZôv‡bi Rb¨ e¨vs‡Ki MÖvnK bq Ggb †jvKR‡bi wewfbœ †mev †cuŠQv‡bvi †c‡g›U †MUI‡q wn‡m‡e †gvevBj †bUIqvK©‡jv KvR Ki‡e| g~jZ EFT eë’vi j¶ n‡jv KvMR wfwËK †jb‡`b Kwg‡q cÖvwZôvwbK ch©v‡q `ªæZZi I e¨q-mvkªqx KvMRwenxb †c‡g›U Gi eënvi DrmvwnZ Kiv| KvMRwfwËK wbKvk eë’vi e`‡j `ªæZZi I myKvh©Ki AvšÍte¨vsK wbKvk eë’v M‡o †Zvjvi Rb¨ EFT e¨vsKmg~‡ni g‡a B‡j±ªwbK †jb‡`b mnRZi K‡i w`‡q‡Q (e· 11.1)|

11.10 b¨vkbvj †c‡g›U myBP& (NPS)t wewfbœ cÖ`vb gvag †hgb- GwUGg, wcIGm, B›Uvi‡bU, †gvevBj Gwcø‡Kkb, BZ¨vw` †_‡K D™¢~Z AvšÍte¨vsK B‡j±ªwbK †c‡g›U‡jv mnRxKi‡Yi D‡Ï‡k¨ evsjv‡`k e¨vsK b¨vkbvj †c‡g›U myBP& (NPS) cÖwZôvi D‡`¨vM wb‡q‡Q| NPS cÖwZôvi g~j D‡Ïk¨ n‡jv †emiKvwi D‡`¨v‡M B‡Zvg‡a ’vwcZ wewfbœ Askx`vix myBP& (Switch) mg~‡ni Rb¨ GKwU Common Platform

Zwi Kiv| KvW© wfwËK †c‡g›U †bUIqvK© Gi D‡jøL‡hvM¨ m¤cÖmviY I B-Kgvm© †mev ewa©Z Kivi Rb¨ NPS mn‡hvwMZv Ki‡e| NPS KvW© I GKvD›U bv¤vi eënvi K‡i B›Uvi‡bU Gi gva‡g miKvwi wejmg~‡ni AbjvBb †c‡g›U LyeB mnR K‡i †`‡e| wek¦e¨vsK KZ…©K A_©vwqZ G cÖKí wWcvU©‡g›U Ae Kv‡iÝx g¨v‡bR‡g›U GÛ †c‡g›U wm‡÷gm& Gi †c‡g›U wm‡÷gm& wWwfkb (wcGmwW) KZ©„K evÍevwqZ n‡e|

11.11 B-Kgvm© I Gg-Kgvm© t evsjv‡`‡k Gg-Kgvm© Pvjy Kivi j‡¶ †gvevBj Acv‡iUi‡ì‡K

*http://www.btrc.gov.bd/newsandevents/mobile_phone_subscribers/

mobile_phone_subscribers_may_2011.php

†c‡g›U GÛ †m‡Uj‡g›U wm‡÷gm& GKv`k Aavq

125

e· 11.1

evsjv‡`k B‡j±ªwbK dvÛ UªvÝdvi †bUIqvK© (BEFTN) GKwU eûcvw¶K B‡j±ªwbK wbKvk eë’v hv‡Z AskMÖnYKvix evwYwR¨K e¨vsK‡jvi g‡a B‡j±ªwbK †�wWU I †WweU †jb‡`bmg~n cÖw�qvKiYc~e©K weZiY Ges wb®úwË (Settle)

Kiv n‡q _v‡K| G eë’vq Z_¨ †cÖiY, mgšq Ges wnmvevq‡bi gva‡g wbU Ae’vb wbiƒcY K‡i evsjv‡`k e¨vs‡K iw¶Z cÖwZwU AskMÖnYKvixi ¯xq wnmv‡e Zv cÖwZdwjZ Kiv nq| EFT †bUIqv‡K© AskMÖnYKvix e¨vsKmg~n EFT

Acv‡iU‡ii (BEFTN) mv‡_ K‡qKwU wbivc` ms‡hv‡Mi gva‡g Z_¨ Av`vb cÖ`vb K‡i _v‡K| G eë’vwU †`‡ki ’vwcZ Ab¨vb¨ †c‡g›U wm‡÷‡gi g‡a me©vwaK myweavRbK hv †`‡k B-Kgv‡m©i wfwË ’vcb K‡i‡Q| 28 †deªæqvwi 2011 †_‡K †`‡ki mKj e¨vs‡Ki mv‡_ BEFTN Gi Live Operation ïiæ n‡q‡Q| Ryb 2011 Zvwi‡Li Z_¨ Abyhvqx ˆ wbK M‡o cÖvq 1500-1600 EFT †jb‡`b m¤úbœ n‡”Q hv �gvš‡q †e‡oB P‡j‡Q| UvKvi As‡K EFT Gi gva‡g cÖvq 1200 †KvwU UvKv †jb‡`b n‡q _v‡K|

EFT †bUIqv‡K© AskMÖnYKvix c¶mg~n

EFT †bUIqv‡K© AskMÖnYKvix c¶mg~n n‡jv- (K) DrcwËKvix (Originator), (L) DrcwËKvix e¨vsK (Originating

Bank-OB), (M) evsjv‡`k B‡j±ªwbK dvÛ UªvÝdvi †bUIqvK© (BEFTN), (N) MÖnYKvix e¨vsK (Receiving Bank-

RB), (O) MÖnYKvix (Receiver), (P) †mev cÖ`vbKvix Z„Zxq c¶ (Third-Party Service Provider) Ges (Q) cÖvwaKvi cÖ`vb (Authorisation)|

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126

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e· 11.1

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B‡j±ªwbK dvÛ UªvÝdvi (EFT)

(Pjgvb)


127

e· 11.2

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128

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gvbe m¤ú` Dbœqb

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(M) mÿgZv MVb

Dc‡`óv wb‡qvM

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GQvov fwel¨r Pvwn`v Ges mKj IT Components

Gi m¤¢ve¨ evÍevqb mgqKvj we‡ePbvq †i‡L wKQz

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AvBwU wm‡÷g di wWcvU©‡g›U Ae A¨vw›U gvwb jÛvwis di wmwUAvi GÛ GmwUAvi

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evsjv‡`k e¨vs‡Ki 2010-2011 A_©eQ‡ii wnmve

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Kvh©�g n‡Z AwR©Z Avq e„w× cvIqvq g~jZ G Lv‡Z †gvU Avq e„w× †c‡q‡Q|

ê‡`wkK gy`ªvi cybg©~j¨vqb n‡Z AwR©Z Avq

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Avq

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ê‡`wkK gy`ªvq Avw_©K m¤ú` †_‡K Avq

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e¨vswKs I Bmy¨ wefv‡Mi mgwš^Z w¯’wZcÎ

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e¨q

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Avw_©K e¨q

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cÖkvmwbK e¨q

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cybg~©j¨vqb

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140

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g~jab (Equity)

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e„w× †c‡q A_©eQi 11-G 778.5 wewjqb UvKvq ùvovq|

13.13 A_©eQi 10-Gi ’vbxq gy`ªvq Avw_©K m¤ú 316.5 wewjqb UvKv †_‡K 189.3 wewjqb UvKv ev kZKiv 59.8 fvM e„w× †c‡q A_©eQi 11-G 505.8 wewjqb UvKvq `vuovq| g~jZ miKvi‡K cÖ`Ë F‡Yi cwigvY (A_©eQi 10-Gi 217.9 wewjqb UvKv n‡Z A_©eQi 11-G 313.5 wewjqb UvKv) e„w×, †i‡cv wewb‡qvM, e¨vsK I Avw_©K cÖwZôvb Ges Kg©KZ©v/ Kg©Pvix‡ì‡K cÖ`Ë F‡Yi cwigvY (A_©eQi 10-Gi 90.6 wewjqb UvKv n‡Z A_©eQi 11-G 184.8 wewjqb UvKv) e„w× †nZz ’vbxq gy`ªvq m¤ú‡ì cwigvY e„w× †c‡q‡Q|

13.14 A_© ewnf©~Z m¤ú A_©eQi 10-Gi 32.2 wewjqb UvKv n‡Z e„w× †c‡q A_©eQi 11-G 64.8 wewjqb UvKvq DbœxZ nq| g~jZ ¯Y© I †iŠ‡cï g~j¨ e„w×RwbZ Kvi‡Y A_© ewnf©~Z m¤ú e„w× †c‡q‡Q|

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13.15 A_©eQi 10-Gi e‡`wkK gy`ªvi Avw_©K `vq 195.2 wewjqb UvKv †_‡K 51.6 wewjqb UvKv ev kZKiv 26.4 fvM e„w× †c‡q A_©eQi 11-G 246.8 wewjqb UvKvq ùvovq| Avš—R©vwZK A_© Znwej (IMF)

Gi wbKU `vq e„w×, e¨vsK I Avw_©K cÖwZôvbmg~‡ni e‡`wkK gy`ªv wK¬qvwis wnmv‡e Rgv Ges Gwkqvb wK¬qvwis BDwbqb (GwmBD) Gi `vq e„w×B g~jZ e‡`wkK gy`ªvi `vq e„w×i KviY|

13.16 A_©eQi 10-Gi `vq 757.5 wewjqb UvKv n‡Z 133.6 wewjqb UvKv ev kZKiv 17.6 fvM e„w×†c‡q A_©eQi 11-G 891.1 wewjqb UvKvq ùvovq| g~jZ gy`ªv cÖPviY e„w× Ges e¨vsK I Avw_©K cÖwZôvbmg~‡ni ’vbxq gy`ªv evsjv‡`k e¨vs‡K Rgv e„w×i Kvi‡Y G `vq e„w× cvq|

13.17 A_©eQi 10-Gi Ab¨vb¨ `vq 59.3 wewjqb UvKv n‡Z 11.2 wewjqb UvKv ev kZKiv 18.9 fvM n«vm †c‡q A_©eQi 11-G 48.1 wewjqb UvKvq ùvovq|

evsjv‡`k e¨vs‡Ki 2010-2011 A_©eQ‡ii wnmve Î‡qv`k Aavq

141

kZKiv 8.42 fvM e„w× †c‡q A_©eQi 11-G 810.0 wewjqb UvKvq `uvovq|

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13.20 A_©eQi 10-Gi cÖPviYK…Z †bvU 499.5 wewjqb UvKv †_‡K 99.7 wewjqb UvKv e„w× †c‡qA_©eQi 11-G 599.2 wewjqb UvKv n‡q‡Q| cÖPviYK…Z †bvU `vq 599.2 wewjqb UvKvi wecix‡Z¯Y© I †iŠc¨ 7.1 wewjqb UvKv, e‡`wkK gy`ªv 400.0 wewjqb UvKv, miKvwi wmwKDwiwUR 156.9 wewjqb

UvKv, evsjv‡`k gy`ªv 0.3 wewjqb UvKv Ges 34.9 wewjqb UvKvi Ab¨vb¨ Af¨šÍixY m¤ú i‡q‡Q|

wbixÿK

13.21 evsjv‡`k e¨vs‡Ki A_©eQi 11-Gi Avw_©K weeiYxmg~n AvšÍR©vwZK wbixÿv gvb`Ê Abyhvqx wbixÿv cÖwZôvb GKbweb PvU©vW GKvD›U¨v›Um, (BbwW‡c‡Û›U †g¤vi dvg© Ae †eKvi wUwj B›Uvib¨vkbvj) Ges mvBdzj mvgmyj Avjg GÛ †Kvs PvUvW© GKvD›U¨v›Um (G †g¤vi Ae BDGBPIqvB B›Uvib¨vkbvj) KZ„©K wbixwÿZ n‡q‡Q |

143

evsjv‡`k e¨vsK

cÖwZ‡e`b I Avw_©K weeiYx30 Ryb 2011 Zvwi‡L

mgvß A_©eQ‡ii


144

MYcÖRvZš¿xevsjv‡`k miKv‡ii cÖwZwbixÿK‡ì cÖwZ‡e`b

Avgiv GZ`m‡½ ms‡hvwRZ evsjv‡`k e¨vs‡Ki (mvewmwWqvix cÖwZôvb m‡gZ) 30 Ryb 2011 Zvwi‡Li mgwšZ w’wZcÎ mswkøó mgvß eQ‡ii Av‡qi weeiYx, g~jab cwieZ©‡bi weeiYx I bM` Znwej cÖev‡ni weeiYx Ges Zvrch©c~Y© wnmvebxwZmg~‡ni UxKvmn mKj mgwšZ Avw_©K weeiYxmg~n wbixÿv K‡iwQ| mvewmwWqvix cÖwZôvb -w` wmwKDwiwU wcÖw›Us K‡c©v‡ikb (evsjv‡`k) wjt Gi 30 Ryb 2011 ZvwiL wfwËK Avw_©K weeiYxmg~n Avn‡g` GÛ Av³vi, PvU©vW© GKvDbU¨v›Um KZ…©K wbixÿv Kiv n‡q‡Q |

Avw_©K weeiYxi wel‡q cwiPvjKgÊjxi `vq-`vwqZ¡

AvšÍR©vwZK wdbvwÝqvj wi‡cvwU©s ó¨vÛvW© (AvBGdAviGm) Abyhvqx e¨vs‡Ki Avw_©K weeiYxmg~n cÖ‘ZKiY I Zv ¯”Qfv‡e Dc’vcb Ges D³ Avw_©K weeiYxmg~n hv‡Z RvwjqvwZ ev fyjZ_¨ gy³ _v‡K G iKg Af¨šÍixY wbqš¿Y iÿv Kiv eë’vcbv KZ©„c‡ÿi `vwqZ¡|

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Avw_©K weeiYx‡Z cÖ`wk©Z A‡_©i cwigvY Ges UxKvmg~n mswkøó Z_¨cÖgvYvw` msMÖn wbixÿv Kv‡h©i AšÍfy©³| Avw_©K weeiYx‡Z RvwjqvwZ I fyj n‡Z D™¢~Z åvšÍ wee„wZ _vKvi wel‡q SuywK wbY©‡qi †ÿ‡Î cÖw�qv wbe©vPb wbixÿ‡Ki wePvh©| GB SuywK wbY©‡qi Rb¨ wbixÿK cÖwZôvb Avw_©K weeiYxmg~n Zwi I Dc’vc‡b Af¨šÍixY wbqš¿Y eë’v ch©v‡jvPbv K‡i _v‡K Ges wbixÿv cÖw�qv wba©viY K‡i _v‡K, wKš‘ GUv cÖwZôv‡bi Af¨šÍixY wbqš¿Y eë’vi Kvh©KvwiZvi Ici gZvgZ cÖ`v‡bi D‡Ï‡k¨ Kiv nq bv| cÖK…Zc‡¶ eënƒZ wnmveiÿY bxwZgvjvi h_v_©Zv g~j¨vqb Ges eë’vcbv KZ©„K wnmve g~j¨vq‡bi †hŠw³KZv wbY©q †mB mv‡_ Avw_©K weeiYxmg~n Dc’vc‡bi g~j¨vqb wbixÿv Kv‡h©i AšÍfy©³ |

Avgiv wek¦vm Kwi †h, wbixÿv gZvgZ cÖ`v‡bi Rb¨ Avgiv †h mKj wbixÿv cÖgvYvw` msMÖn K‡iwQ Zv ch©vß Ges h_vh_|


145

gZvgZAvgv‡`i g‡Z, evsjv‡`k e¨vs‡Ki 30 Ryb 2011 Zvwi‡L mgvß eQ‡ii Avw_©K Ae’v Ges Avw_©K djvdj I bM` Znwe‡ji cÖevn mKj we‡ePbvq AvšÍR©vwZK wdbvwÝqvj wi‡cvwU©s ÷vÛvW© Abyhvqx Dc’vcb Kiv n‡q‡Q|

mvBdzj kvgmyj Avjg GÛ †Kvs PvU©vW© GKvD›U¨v›Um

GKbwebPvU©vW© GKvD›U¨v›Um

XvKvZvwiL t 21 AvM÷ 2011

evsjv‡`k e¨vs‡Ki 2010-2011 A_©eQ‡ii wnmveÎ‡qv`k Aavq

146

evsjv‡`k e¨vsK 30 Ryb 2011 Zvwi‡Li mgwš^Z Avw_©K Ae’vi weeiY

2011 '000 UvKvq†bvU

2010 '000 UvKvq

ms‡hvwRZ †bvU 1 n‡Z 51 G Avw_©K weeiYxi Awe‡”Q`¨ Ask|

Av. L. g. ingZ Dj¨vngnveë’vcK

GKvD›Um&& GÛ ev‡RwUs wWcvU©‡g›U

†gvt Aveyj Kv‡mg†WcywU Mfb©i

W. AvwZDi ingvb Mfb©i

m¤ú`ê‡`wkK gy`ªvq Avw_©K m¤ú` e‡`wkK gy`ªªv wnmvee‡`wkK wewb‡qvMAvBGgGd mswkøó m¤úAb¨vb¨ e‡`wkK m¤ú

¯’vbxq gy`ªvq Avw_©K m¤ú`bM` I bM` mgZyj¨miKvi‡K cÖ`Ë FY†i‡cv‡Z wewb‡qvM†kqvi I wW‡eÂv‡i wewb‡qvMe¨vsK,Avw_©K cÖwZôvb I Kg©Pvix‡ì cÖ`Ë FY

†gvU Avw_©K m¤úÀ_© ewnf©‚Z m¤ú`

¯Y© Ges †iŠc¨ m¤ú, ’vcbv Ges miÄvgvw`g~jabx Kv‡h©i AMÖMwZAb¨vb¨ ’vbxq m¤ú

†gvU m¤ú``vqmg~ne‡`wkK gy`ªvq Avw_©K `vqAvBGgGd mswkøó `vqe¨vsK I Avw_©K cÖwZôvbmg~‡ni RgvAb¨vb¨ e‡`wkK `vq

¯’vbxq gy`ªvq Avw_©K `vqcÖPviYK…Z †bvU¯í‡gqvw` ‡`bve¨vsK I Avw_©K cÖwZôvbmg~‡ni Rgv

†gvU Avw_©K `vqAb¨vb¨ ’vbxq `vq†gvU `vq

BKy¨BwUg~jab¯Y© I †iŠc¨ - cybg©~j¨vqb wiRvf© e‡`wkK gy`ªv - cybg©~j¨vqb wiRvf© gy`ªvi ZviZg¨ mwÂwZm¤ú,’vcbv I hvwš¿K miÄvgvw` - cybg©~j¨vqb wiRvf© wewae× ZnwejAwewae× Znwejm¤ú bevqb I cyb’vcb wiRvf© my` wiRvf© †Rbv‡ij wiRvf© Avew›UZ gybvdv

†gvU `vq Ges BKy¨BwU

4567

8K9

10K11K

1213K

14K

61516

171819

20K

21222324

2526

2728K

176,508,754 489,768,954 48,347,972 63,933,212

778,558,892

582,900 313,529,793 84,156,909 7,828,089

101,162,902 507,260,593

1,285,819,485

34,558,891 28,513,824

723,096 6,797,696

70,593,507 1,356,412,992

105,583,852 139,817,884

1,465,192 246,866,928

599,157,730

291,958,033 891,115,763

1,137,982,691 49,495,375

1,187,478,066

30,000 19,919,424 63,257,814 17,124,310 22,945,457 13,367,046 13,570,000

1,873,941 7,581,628 4,450,500 4,814,806

168,934,926 1,356,412,992

204,176,852 474,499,768 45,592,263 19,434,804

743,703,687

243,260 217,882,034

- 9,446,881

90,877,265 318,449,440

1,062,153,127

5,350,004 26,666,748

51,103 4,068,025 36,135,880

1,098,289,007

88,363,476 105,674,057

1,248,274 195,285,807

499,479,657 21,387,466

236,625,764 757,492,887

952,778,694 60,000,710

1,012,779,404

30,000 8,798,020

- 10,810,630 22,982,993 12,817,046 13,000,000

1,609,956 6,883,328 4,400,500 4,177,130

85,509,603 1,098,289,007


147

evsjv‡`k e¨vsK 30 Ryb 2011 Zvwi‡Li Avw_©K Ae’vi weeiY


2010 '000 UvKvq






m¤ú`ê‡`wkK gy`ªvq Avw_©K m¤úè‡`wkK gy`ªªv wnmvee‡`wkK wewb‡qvMAvBGgGd mswkøó m¤úAb¨vb¨ e‡`wkK m¤ú

¯’vbxq gy`ªvq Avw_©K m¤ú`bM` I bM` mgZyj¨ miKvi‡K cÖ`Ë FY †i‡cv‡Z wewb‡qvM†kqvi I wW‡eÂv‡i wewb‡qvMe¨vsK,Avw_©K cÖwZôvb I Kg©Pvix‡ì cÖ`Ë FY

†gvU Avw_©K m¤ú`

A_© ewnf©~Z m¤ú`¯Y© Ges †iŠc¨m¤ú, ’vcbv Ges miÄvgvw`g~jabx Kv‡h©i AMÖMwZ Ab¨vb¨ ’vbxq m¤ú

†gvU m¤ú`

`vqmg~nê‡`wkK gy`ªvq Avw_©K `vqAvBGgGd mswkøó `vqe¨vsK I Avw_©K cÖwZôvbmg~‡ni RgvAb¨vb¨ e‡`wkK `vq

¯’vbxq gy`ªvq Avw_©K `vqcÖPviYK…Z †bvU¯í‡gqvw` †`bve¨vsK I Avw_©K cÖwZôvbmg~‡ni Rgv

†gvU Avw_©K `vqAb¨vb¨ ’vbxq `vq†gvU `vq

BKy¨BwUg~jab¯Y© I †iŠc¨ - cybg©~j¨vqb wiRvf©e‡`wkK gy`ªv - cybg©~j¨vqb wiRvf©gy`ªvi ZviZg¨ mwÂwZm¤ú,’vcbv I hvwš¿K miÄvgvw` - cybg©~j¨vqb wiRvf©wewae× ZnwejAwewae× Znwejm¤ú bevqb I cyb’vcb wiRvf©my` wiRvf©†Rbv‡ij wiRvf©

†gvU `vq Ges BKy¨BwU

4567

89

1011

1213

14

61516

171819

20

21222324

2526

2728

176,508,754 489,768,954 48,347,972 63,933,212

778,558,892

306,339 313,529,793 84,156,909 7,176,667

100,693,039 505,862,747

1,284,421,639

34,558,891 25,277,155

715,353 4,241,528 64,792,927

1,349,214,566

105,583,852 139,817,884

1,465,192 246,866,928

599,157,730

291,958,033 891,115,763

1,137,982,691 48,100,858

1,186,083,549

30,000 19,919,424 63,257,814 17,124,310 22,156,354 13,367,046 13,570,000

1,873,941 7,581,628 4,250,500

163,131,017 1,349,214,566

204,176,852 474,499,768 45,592,263 19,434,804

743,703,687

242,237 217,882,034

7,730,000 90,650,176

316,504,447 1,060,208,134

5,350,004 24,756,136

46,825 2,107,491

32,260,456 1,092,468,590

88,363,476 105,674,057

1,248,274 195,285,807

499,479,657 21,387,466

236,625,764 757,492,887 952,778,694

59,296,526 1,012,075,220

30,000 8,798,020

10,810,630 22,193,890 12,817,046 13,000,000

1,609,956 6,883,328 4,250,500

80,393,370 1,092,468,590


148

evsjv‡`k e¨vsK 30 Ryb 2011 Zvwi‡L mgvß eQ‡ii mgwš^Z mvgwMÖK Av‡qi weeiYx


2010 '000 UvKvq






Avq

ê‡`wkK gy`ªvi Avw_©K m¤ú` n‡Z Avqmy` Avq 29 9,537,443 4,244,964 Kwgkb Ges evÆv 30 104,433 18,447 9,641,876 4,263,411

¯’vbxq gy`ªvi Avw_©K m¤ú` n‡Z Avqmy` Avq 33K 19,156,880 11,829,436 Kwgkb Ges evÆv 34 377,055 484,734 we�q 1,468,926 1,563,176 wewea Avq 8,904 21,003 21,011,765 13,898,349

ê‡`wkK gy`ªv cybg~©j¨vqbRwbZ Avq - DmyjK…Z 6,313,680 2,843,732 †gvU Avq 36,967,321 21,005,492

e¨qmg~nê‡`wkK gy`ªvq Avw_©K `v‡qi e¨q my` e¨q 31 (448,689) (445,876)Kwgkb Ges Ab¨vb¨ e¨q 32 (1,102,955) (96,759)

(1,551,644) (542,635)

¯’vbxq gy`ªvi Avw_©K `v‡qi e¨qmy` e¨q 35 (57,401) (121,452)Kwgkb Ges Ab¨vb¨ e¨q 36 (1,841,800) (978,391)

(1,899,201) (1,099,843)

Ab¨vb¨ e¨qBg‡cqvi‡g‡›Ui Rb¨ ms’vb 417,250 494,997 mvaviY Ges cÖkvmwbK LiP 37K (8,077,947) (6,436,988)

(7,660,697) (5,941,991)

†gvU e¨q (11,111,542) (7,584,469)Avw_©K eQ‡ii gybvdv 25,855,779 13,421,023

Ab¨vb¨ Avq¯Y© cybg~©j¨vqb Avq 10,894,718 2,394,394 †iŠc¨ cybg~©j¨vqb Avq 226,686 65,632e‡`wkK gy`ªvi cybg~©j¨vqb Avq/ÿwZ 63,257,814 (22,929,235)m¤ú, ’vcbv Ges miÄvgvwì cybg©~j¨vqb Avq 1,146,287

74,379,218 (19,322,922)Avw_©K eQ‡ii †gvU mgwš^Z mvgwMÖK gybvdv/(ÿwZ) 100,234,997 (5,901,899)


149

evsjv‡`k e¨vsK 30 Ryb 2011 Zvwi‡L mgvß eQ‡ii mvgwMÖK Avq weeiYx


2010 '000 UvKvq






Avq

ê‡`wkK gy`ªvi Avw_©K m¤ú` n‡Z Avqmy` Avq 29 9,537,443 4,244,964 Kwgkb Ges evÆv 30 104,433 18,447

9,641,876 4,263,411 ¯’vbxq gy`ªvi Avw_©K m¤ú` n‡Z Avqmy` Avq 33 18,983,961 11,610,648 Kwgkb Ges evÆv 34 377,055 484,734jf¨vsk Avq 50,000 62,500wewea Avq 971 4,157

19,411,987 12,162,039

ê‡`wkK gy`ªv cybg~©j¨vqbRwbZ Avq - DmyjK…Z 6,313,680 2,843,732

†gvU Avq 35,367,543 19,269,182

e¨qmg~nê‡`wkK gy`ªvq Avw_©K `v‡qi e¨qmy` e¨q 31 (448,689) (445,876)Kwgkb Ges Ab¨vb¨ e¨q 32 (1,102,955) (96,759)

(1,551,644) (542,635)

¯’vbxq gy`ªvi Avw_©K `v‡qi e¨qmy` e¨q 35 (57,401) (121,452)Kwgkb Ges Ab¨vb¨ e¨q 36 (1,841,800) (978,391)

(1,899,201) (1,099,843)

Ab¨vb¨ e¨qBg‡cqvi‡g‡›Ui Rb¨ ms’vb 417,250 494,997mvaviY Ges cÖkvmwbK LiP 37 (7,165,846) (5,243,479)

(6,748,596) (4,748,482)†gvU e¨q (10,199,441) (6,390,960)Avw_©K eQ‡ii gybvdv 25,168,102 12,878,222

Ab¨vb¨ Avq¯Y© cybg~©j¨vqb Avq 10,894,718 2,394,394 †iŠc¨ cybg~©j¨vqb Avq 226,686 65,632e‡`wkK gy`ªvi cybg~©j¨vqb Avq/(ÿwZ) 63,257,814 (22,929,235)m¤ú, ’vcbv Ges miÄvgvwì cybg©~j¨vqb Avq 1,146,287

74,379,218 (19,322,922)Avw_©K eQ‡ii †gvU mvgwMÖK gybvdv/ÿwZ 99,547,320 (6,444,700)


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K. cwiPvjb Kvh©� g n‡Z bM` cÖevn

my` cÖvwß 19,091,999 12,616,473

my` cÖ`vb (534,784) (577,024)

†�Zv‡ì wbKU n‡Z cÖvß 1,468,926 1,563,176

wd, Kwgkb I Ab¨vb¨ Avq 524,096 553,791

Kwgkb I evÆv cÖ`vb (2,619,554) (752,460)

AvqKi cÖ`vb (357,582) (351,251)

Kg©Pvix I mieivnKvix‡ì cÖ`vb (6,243,590) (5,851,476)

cwiPvjb m¤ú‡ì e„w× /(n«vm)†�Zv‡ì AwMªg cÖ`vb (9,751,883) (3,592,289)

Ab¨vb¨ m¤ú (2,494,990) (881,573)

cwiPvjb `v‡qi e„w× /(n«vm)evwYwR¨K e¨vsK mg~‡ni Rgv 89,693,014 10,722,899

Ab¨vb¨ `vq (22,642,285) 15,830,686

cwiPvjb Kvh©� g n‡Z bxU bM` cÖevn 66,133,367 29,280,952 L. wewb‡qvM Kvh©� g n‡Z bM` cÖevn

wewb‡qvM n‡Z Avq 8,335,833 1,590,864

e‡`wkK †U«Rvix wej I e‡Û wewb‡qvM 11,730,999 (82,236,360)

Ab¨vb¨ wewb‡qvM (154,606,572) (12,356,867)

miKvwi wmwKDwiwU‡R wewb‡qvM (95,647,759) 66,858,989

¯í‡gqvw` wewb‡qvM (17,154,961) 28,690,854

e‡`wkK gy`ªvq wewb‡qvM 97,239,592 (138,916,109)

FYc‡Î wewb‡qvM 553,333 350,833

m¤úwË, ’vcbv I hš¿cvwZ �q (2,878,662) (1,015,054)

AvBGgGd w’wZ 14,464,667 (7,465,788)

wewb‡qvM Kvh©�‡ g bxU bM` ewntcÖevn (137,963,530) (144,498,638)M. Avw_©K Kvh©� g n‡Z bM` cÖevn

miKvi‡K cÖ`vb (6,120,804) (17,327,506)

cªPviYK…Z †bvU 99,678,073 109,778,245

¯í‡gqvw` FY (21,387,466) 21,387,466

Avw_©K Kvh©� g n‡Z bxU bM` cÖevn 72,169,803 113,838,205 bM` I bM` mgZy‡jï bxU e„w× /(n«vm) 339,640 (1,379,481)cÖviw¤¢K bM` I mgZyj-bM` 243,260 1,622,741 mgvcbx bM` I mgZyj-bM` 582,900 243,260

evsjv‡`k e¨vsK30 Ryb 2011 Zvwi‡L mgvß eQ‡ii mgwš^Z bM` cÖevn weeiYx

2011 '000 UvKvq

2010 '000 UvKvq


153

K. cwiPvjb Kvh©� g n‡Z bM` cÖevn my` cÖvwß 18,917,210 12,378,630 my` cÖ`vb (534,784) (577,024)wd, Kwgkb I Ab¨vb¨ Avq 480,802 1,585,127 Kwgkb I evÆv cÖ`vb (2,944,755) (1,075,150)Kg©Pvix I mieivnKvix‡ì cÖ`vb (6,424,186) (4,894,062)cwiPvjb m¤ú‡ì e„w× /(n«vm)†�Zv‡ì AwMÖg cÖ`vb (9,509,109) (3,365,200)Ab¨vb¨ m¤ú (1,897,485) (331,646)

cwiPvjb `v‡qi e„w× /(n«vm)evwYwR¨K e¨vsKmg~‡ni Rgv 89,693,014 10,722,899 Ab¨vb¨ `vq (22,369,811) 14,850,789

cwiPvjb Kvh©� g n‡Z bxU bM` cÖevn 65,410,896 29,294,363

L. wewb‡qvM Kvh©� g n‡Z bM` cÖevn jf¨vsk - 62,500 wewb‡qvM n‡Z Avq 8,385,833 1,590,864 e‡`wkK †U«Rvix wej I e‡Û wewb‡qvM 11,730,999 (82,236,360)Ab¨vb¨ wewb‡qvM (155,672,031) (11,351,580)miKvwi wmwKDwiwU‡R wewb‡qvM (95,647,759) 66,858,989 ¯í‡gqvw` wewb‡qvM (17,154,961) 28,690,854 e‡`wkK gy`ªvq wewb‡qvM 97,239,592 (138,916,109)FYc‡Î wewb‡qvM 553,333 350,833 m¤úwË, ’vcbv I hš¿cvwZ �q (1,416,270) (613,511)AvBGgGd w’wZ 14,464,667 (7,465,788)wewb‡qvM Kvh©�‡ g bxU bM` ewntcÖevn (137,516,597) (143,029,308)

M. Avw_©K Kvh©� g n‡Z bM` cÖevn

miKvi‡K cÖ`vb (6,120,804) (17,327,506)cªPviYK…Z †bvU 99,678,073 109,778,245 ¯í‡gqvw` FY (21,387,466) 21,387,466 Avw_©K Kvh©�g n‡Z bxU bM` cÖevn 72,169,803 113,838,205

bM` I bM` mgZy‡jï bxU e„w× /(n«vm) 64,102 103,260 cÖviw¤¢K bM` I mgZyj-bM` 242,237 138,977 mgvcbx bM I mgZyj-bM 306,339 242,237

evsjv‡`k e¨vsK30 Ryb 2011 Zvwi‡L mgvß eQ‡ii bM` cÖevn weeiYx

2011 '000 UvKvq

2010 '000 UvKvq


154

1. cªwZôvb cwiwPwZ

evsjv‡`k e¨vsK (Ôe¨vsKÕ) AvBb Øviv cÖwZwôZ evsjv‡`‡ki †K› ªxq e¨vsK, hv evsjv‡`k e¨vsK AW©vi, 1972 Gi Av‡`ke‡j 16 wW‡m¤î 1971 Zvwi‡L cªwZwôZ| e¨vsKwUi cªavb Kvh©vjq, gwZwSj, evwYwR¨K GjvKv, XvKvq Aew’Z| e¨vsKwUi D‡jøL‡hvM¨ Kvh©�g‡jv n‡”Q- Af¨šÍixY gy`ªv I FY eë’vcbvi gva‡g Af¨šÍixY A‡_©i g~j¨ w’wZkxj ivLv, evsjv‡`kx gy`ªvi mgnvi g~j¨ msiÿY, D”P gvÎvi Drcv`b, Kg©ms’vb Ges †`‡ki cªK…Z Avq, Drcv`b I Dbœqb Ges RvZxq ^v‡_© †`‡ki Drcv`bkxj m¤ú ‡jvi weKvk I Dbœqb Z¡ivwš^Z Kivi D‡Ï‡k¨ evsjv‡`‡ki gy`ªv bxwZ cÖYqb I evÍevqb Kiv; miKv‡ii G‡R›U wn‡m‡e KvR Kiv, †bvU Bmy¨KiY, wiRvf© msiÿY, e‡`wkK gy`ªvi evRvi msiÿ‡Y bxwZ cªYqb, gy`ªv I Avw_©K eë’vcbv I gy`ªvi wewbgq nv‡ii wel‡q miKvi‡K civgk© cÖ`vb, ˆ bw› b Kvh©�g cwiPvjbvi Rb¨ AvBbMZ c`‡ÿc MªnY Ges e¨vsK I Avw_©K cÖwZôvb‡jv‡K Z`viwK I wbqš¿Y Kiv|

2. cÖ¯‘ZKi‡Yi wfwË

2.1 †÷U‡g›U Ae Kgcøv‡qÝ

e¨vs‡Ki Avw_©K weeiYx Ges Gi m¤ú~Y© gvwjKvbvaxb mvewmwWqvixi mgwš^Z weeiYx‡jv cÖ‘ZKi‡Y B›Uvib¨vkbvj wdb¨vwÝqvj wi‡cvwU©s ÷vÛvW© (AvBGdAviGm) AbymiY Kiv n‡q‡Q hv B›Uvib¨vkbvj GKvDw›Us ÷vÛvW© †evW© (AvBGGmwe) KZ…©K Aby‡gvw`Z |

evsjv‡`k e¨vs‡Ki cwiPvjbv cl©‡ì 24 AvM÷ 2011 Zvwi‡Li Aby‡gv`b�‡ g mgwšZ Avw_©K weeiYxmg~n Dc’vcb Kiv n‡jv|

2.2 cwigv‡ci wfwË

wbgœwjwLZ †ÿÎ‡jv e¨ZxZ Avw_©K weeiYx‡jv HwZnvwmK e¨q bxwZi Av‡jv‡K cÖ‘Z Kiv n‡q‡Q t

e‡`wkK gy`ªvi wnmve‡jv cªwZ‡e`b Zvwi‡L Kvh©Kix gy`ªvq cybg~©j¨vqb K‡i cª`k©b Kiv n‡q‡Q |AvBGgGd mswk-ó m¤ú cªK…Z g~‡j¨ cwigvc Kiv n‡q‡Q |evsjv‡`k miKv‡ii †UªRvix wej I IfviWªvdU e¨q g~‡j¨ cwigvc Kiv n‡q‡Q |e¨vsK, Avw_©K cªwZôvb Ges Kg©Pvix‡ì‡K cª`Ë FY Amortized cost wfwË‡Z cwigvc Kiv n‡q‡Q |¯Y© I †iŠc¨ cÖK„Z g~‡j¨ cwigvc Kiv n‡q‡Q|m¤úwË, ’vcbv I hvwš¿K miÄvgvw` cybg~©j¨vqbK…Z g~‡j¨ Dc’vcb Kiv n‡q‡Q |d‡ib eÛ, BDGm Wjvi †UªRvix wej BZ¨vw` cÖK…Z g~‡j¨ cwigvc Kiv n‡q‡Q|

evsjv‡`k e¨vsK 30 Ryb 2011 ZvwiL I mgvß eQ‡ii Avw_©K weeiYxi †bvUmg~n


155

2.3 Kvh©Kix I Dc¯’vcb gy`ªv

Avw_©K weeiYx‡jv evsjv‡`kx UvKvq Dc’vcb Kiv n‡q‡Q hv e¨vs‡Ki cwiPvjb gy`ªv| Avw_©K weeiYx‡jv cybt‡cŠwbK nvRvi UvKvi A‡¼ Dc’vcb Kiv n‡q‡Q|

2.4 AbywgZ wnmve I wePv‡h©i eënvi

Avw_©K weeiYx‡jv Zwi‡Z eë’vcbvi wePvh©, AbywgZ wnmve I aviYvi wfwË mvgÄm¨c~Y©fv‡e wnmve bxwZ‡Z Ges Dc’vwcZ m¤ú, `vq, Avq I e¨‡qi Ici cªwZdwjZ n‡q‡Q| G mKj AbywgZ wnmve cªK…Z djvdj n‡Z c„_K n‡Z cv‡i|

AbywgZ wnmve I Zvi mv‡_ m¤úwK©Z kZ©‡jv Pjgvb aviYvi bxwZi wfwË‡Z ch©v‡jvPbv Kiv n‡q _v‡K| AbywgZ wnmve‡jv wnmve mg‡qi g‡a ch©v‡jvPbv Kiv n‡q _v‡K Ges fwel¨r mg‡qi Ici †Kvbiƒc cªfve †dj‡jI Zv cybtwe‡ePbv Kiv nq|

g~jZ iæZ¡c~Y© AbywgZ wnmve‡jvi †ÿ‡Î AwbwðZ I RwUj wePvh©mg~‡n wnmve bxwZi cª‡qvM Avw_©K weeiYx‡Z ¯xK…Z w’wZi Ici cªfve iv‡L hv †bvU bs-38( i)t Avw_©K SyuwK eë’vcbvq eY©bv Kiv n‡q‡Q|

3| wnmv‡ei ¸iæZ¡c~Y© bxwZgvjv

MÖæcfy³ cªwZôvbmg~‡ni Avw_©K weeiYx mswkøó bxwZ cÖ‡qv‡Mi †ÿ‡Î mvgÄm¨Zv bxwZ Abym„Z n‡q‡Q| PjwZ eQ‡ii Dc’vc‡bi mv‡_ mvgÄm¨ weav‡bi Rb¨ wKQy Zyjbvg~jK wPÎ cybt†kªYxKiY Kiv n‡q‡Q|

3.1 mgwš^ZKi‡Yi wfwË

K) mvewmwWqvix

mvewmwWqvix ej‡Z g~j cªwZôv‡bi wbqš¿Yvaxb cªwZôvb‡jv‡K eySvq| wbqš¿Y ZLbB _v‡K hLb gybvdvi Rb¨ wbqš¿Yvaxb cªwZôv‡bi Avw_©K I cwiPvjb Kvh©�‡ gi Ici cªwZôv‡bi cªZ¨ÿ ev c‡ivÿ cªfve _v‡K| e¨vs‡Ki wbqš¿‡Y Avmvi ZvwiL n‡Z wbqš¿Y gy³ nIqv ch©šÍ mvewmwWqvix cªwZôv‡bi Avw_©K weeiYx‡jv mgwšZ Avw_©K weeiYx‡Z AšÍfy©³ nq|

wmwKDwiwU wcªw›Us K‡c©v‡ikb (evsjv‡`k ) wjt (GmwcwmGj) evsjv‡`k e¨vs‡Ki kZ fvM gvwjKvbvaxb GKwU mvewmwWqvix cªwZôvb | evsjv‡`k e¨vs‡K e¨vsK †bvU mieivn Kiv cÖwZôvbwUi `vwqZ¡ | cÖwZôvbwU c~e© wba©vwiZ g~‡j¨ evsjv‡`k e¨vs‡K †bvU mieivn K‡i _v‡K|

L) mgwš^ZKi‡Yi †ÿ‡Î cwinvh© †jb‡`b¸‡jv

mgwšZ Avw_©K weeiYx cª‘‡Zi †ÿ‡Î AvšÍtMÖæc w’wZ I †jb‡`b‡jv Ges AvšÍtMÖæc †jb‡`b n‡Z D™¢~Z AbycvwR©Z Avq cwinvi Kiv n‡q‡Q |



156

3.2 ê‡`wkK gy`ªvi ‡jb‡`b

†jb‡`‡bi Zvwi‡L weivRgvb e‡`wkK gy`ªvi wewbgq nvi cÖ‡qvM K‡i e‡`wkK gy`ªvi †jb‡`b‡K UvKvq cÖKvk Kiv n‡q‡Q| w’wZcÎ cÖ‘‡Zi Zvwi‡L e‡`wkK gy`ªvq iwÿZ m¤ú I `vq‡jv D³ Zvwi‡Li wewbgq nvi cª‡qv‡Mi gva‡g UvKvq iƒcvšÍi Kiv n‡q‡Q| e‡`wkK gy`ªvi wewbgqRwbZ ZviZg¨ mvgwM&ªK Avq weeiYx‡Z cª`wk©Z n‡q‡Q| e‡`wkK gy`ªvq iwÿZ Ab¨vb¨ m¤ú Ges `vq evRvi g~‡j¨ g~j¨vwqZ n‡q‡Q Ges H Zvwi‡Li wewbgq nvi cª‡qvM K‡i UvKvq iƒcvšÍi Kiv n‡q‡Q|

3.3 Avw_©K m¤ú` I `vqmg~n

Avw_©K m¤ú ‡jv e‡`wkK m¤ú (gwZwSj Awd‡m iwÿZ ¯Y© I †iŠc¨ e¨ZxZ), wewb‡qvM, bM` I bM` mgZyj¨, FY I AwMªg (miKvi, e¨vsK, Avw_©K cÖwZôvb I Kg©Pvix‡ì cª`Ë FY) Ges miKvwi †UªRvix wej I IfviWªvdU Gi mgš^‡q MwVZ| Avw_©K `vq‡jv e‡`wkK `vq, gy`ªv cÖPviY, e¨vsK I Avw_©K cÖwZôvb‡jvi Rgv Ges ^í‡gqvw` †`bvi mgš^‡q MwVZ |

K) wnmv‡e AšÍf©yw³KiY I cÖv_wgK cwigvcb

FY I AwMªg m„wói w`bB Zv w’wZc‡Î AšÍfy©³ Kiv nq| Avw_©K m¤ú‡ì �q we�q‡jv wb®úwËi Zvwi‡L AšÍf©y³ Kiv nq A_ev MÖæc KZ…©K Ac©‡Yi Zvwi‡L AšÍfy©³ Kiv nq| Ab¨vb¨ Avw_©K m¤ú I `vq‡jvi †ÿ‡Î MÖæc Pyw³i cÿfz³ nIqvi ci Zv Avw_©K weeiYx‡Z AšÍfy©³ Kiv nq|

Avw_©K m¤ú I `vq‡jv cªv_wgKfv‡e cªK…Z g~‡j¨ cwigvc Kiv nq| m¤ú I `v‡qi mv‡_ m¤úwK©Z jvf-ÿwZ, m¤ú AR©b I Bmyï mv‡_ m¤úwK©Z †jb‡`b e¨q we‡ePbv Kiv nq|

L) †kªYxKiY I cieZx© cwigvcb

cªv_wgKfv‡e AšÍfy©w³ nIqvi ci m¤ú I `vq cwigv‡ci Rb¨ AvBGGm-39 Abyhvqx wbgœiƒc fv‡e †kªYxKiY Kiv n‡q‡Q t

(1) jvf-ÿwZi gva¨‡g cªK…Z g~‡jï Avw_©K m¤ú` (†UªwWs Gi Rb¨ aviYK…Z m¤ú`)|

jvf-ÿwZi gva‡g cªK…Z g~‡jï Avw_©K m¤ú I Avw_©K `vqmg~n †mB Avw_©K m¤ú I Avw_©K `vq hv wb‡gœi †h †KvbwU :

(K) †UªwWs Gi Rb¨ aviYK…Z m¤ú wn‡m‡e †kÖYxK…Z, A_ev(L) jvf-ÿwZ wnmv‡ei gva‡g cÖK…Z g~‡j¨ cÖv_wgKfv‡e AšÍf©yw³KiY wn‡m‡e †kÖYxK…Z | Avw_©K m¤ú I Avw_©K `vqmg~n‡K †UªwWs Gi Rb¨ aviYK…Z wnmv‡e MY¨ Kiv nq hw` t(1) ¯í mg‡qi Rb¨ �q-we�‡ qi D‡Ï‡k¨ m¤úmg~n AR©b Kiv nq| (2) ¯í †gqv‡` gybvdv AR©‡bi D‡Ï‡k¨ cÖv_wgKfv‡e wewb‡qvM ZvwjKvi Ask wn‡m‡e wnmvevqb Kiv, A_ev



157

(3) †Wwi‡fwUf (&H mgÍ †Wwi‡fwUf e¨ZxZ hv Avw_©K wbðqZvi Pzw³ A_ev Kvh©Kix †nwRs nvwZqvi)| e‡`wkK gy`ªv wnmve, e‡`wkK e‡Û wewb‡qvM, BDGm Wjvi I BD‡iv †UªRvix wej Ges AvBGgGd mswkøó m¤úmg~n‡K Avw_©K m¤ú we‡ePbvq cÖK…Z g~‡j¨i cwieZ©bRwbZ cÖfve jvf-ÿwZ wnmv‡ei gva‡g wnmvevwqZ n‡q‡Q| cÖwZ wi‡cvwU©s Zvwi‡L G‡jv cÖK„Z g~‡j¨ wbiƒcY Kiv nq|

wb‡gœv³ Ae¯’vq Avw_©K m¤ú` I `vqmg~n‡K cÖK…Z g~‡j¨ jvf ev ÿwZi gva¨‡g †`Lv‡bv nq t

1. Af¨šÍixYfv‡e cÖK„Z g~‡j¨ m¤ú I `vqmg~‡ni e¨e’vcbv Ges g~j¨vqb Kiv nq|

2. G Av‡ivcY Zvrch©c~Y©fv‡e wnmv‡ei Miwgj n«vm K‡i A_ev `~i K‡i hv Ab¨fv‡e D™¢e n‡Z cv‡i|

3. m¤ú I `vqmg~‡ni g‡a Giƒc †Wwi‡fwUf i‡q‡Q hv Zvrch©c~Y©fv‡e bM` cÖevn‡K cwieZ©b K‡i|

w’wZc‡Îi Zvwi‡L MÖæ‡ci wbKU †Kvb Avw_©K m¤ú ev `vq †bB hv jvf-ÿwZi gva‡g cÖK…Z g~‡j¨ wbiƒcY ev cÖv_wgK g~j¨vq‡b wQj|

(2) †gqv`c~wZ© ch©šÍ aviYK…Z wewb‡qvM

†gqv`c~wZ© ch©šÍ aviYK…Z wewb‡qvMmg~n n‡”Q wbw`©ó †gqv` I cwi‡kv‡ai m~wPmn bb-†Wwi‡fwUf Avw_©K m¤ú hv wb‡gœv³ e¨wZ�g e¨ZxZ avi‡Yi B”Qv MÖæ‡ci i‡q‡Q|

K. hv jvf-ÿwZi gva‡g cÖK…Z g~‡j¨ wbiƒcY ev cÖv_wgK wnmv‡e AšÍf©y³KiY wQj,L. hv we�q‡hvM¨;M. hv FY I cÖvc¨mg~n|

miKvwi †UªRvix wej, †UªRvix eÛ Ges gy`ªvevRv‡i ^í‡gqv‡` wewb‡qvM‡K †gqv`c~wZ© ch©šÍ aviYK…Z wewb‡qvM wn‡m‡e †kªYxKiY Kiv n‡q‡Q| cªwZ w’wZc‡Îi Zvwi‡L Kvh©Kix my` wnmvevqb cªw�qvi gva‡g G‡jv Amortized cost c×wZ‡Z g~j¨vqb Kiv nq|

(3) FY Ges cªvc¨

wb‡gœi †ÿÎ‡jv e¨ZxZ FY I cÖvc¨ n‡”Q bb-†Wwi‡fwUf Avw_©K m¤ú †h‡jvi wbw`©ó I wbY©q‡hvM¨ cwi‡kva m~wP i‡q‡Q Ges hvi Kvh©Ki evRvi g~j¨ †bB t

(K) †h‡jv AwP‡iB ev ^í‡gqv‡` we�q Ki‡Z PvIqv nq †m‡jv‡K †UªwWs Gi Rb¨ aviYK…Z m¤ú wn‡m‡e wPwýZ Kiv n‡q‡Q, Ges †h‡jv cÖv_wgK AšÍfy©w³KiY Kiv n‡q‡Q †m‡jv‡K jvf/ÿwZi gva‡g cÖK„Z g~‡j¨ wbiƒcY Kiv n‡q‡Q;



158

(L) cÖv_wgK AšÍfy©w³Ki‡Y †h‡jv we�q‡hvM¨ e‡j we‡ePbv Kiv n‡q‡Q; A_ev

(M) F‡Yi g~j¨gvb n«vm e¨ZxZ MÖæc †h mg¯Í †ÿ‡Î Zvi cÖv_wgK wewb‡qvM cwic~Y©fv‡e Av`vq Ki‡Z cvi‡e bv Ges †h‡jv we�q‡hvM¨ wnmv‡e wPwýZ n‡q‡Q| bM` I bM`mgZyj¨, we‡`kx evwYwR¨K e¨vs‡K ¯í‡gqvw` wewb‡qvM, FYc‡Î wewb‡qvM, e‡`wkK gy`&ªvq Ab¨vb¨ e¨vsK‡K cª`Ë FY, evsjv‡`k miKv‡ii RgvwZwi³ D‡Ëvjb, miKvi‡K cª`Ë FY I AwMÖg Ges e¨vsK, Avw_©K cÖwZôvb I Kg©Pvix‡ì cª`Ë FY I AwMÖg‡jv FY I cªvc¨ wn‡m‡e †kªYxKiY Kiv n‡q‡Q| cÖwZ w’wZc‡Îi Zvwi‡L G‡jv Kvh©Kix my` wnmvevqb cªw�qvi gva‡g Amortized cost c×wZ‡Z g~j¨vqb Kiv nq|

(4) we� q‡hvM¨ Avw_©K m¤ú`

we�q‡hvM¨ Avw_©K m¤ú ej‡Z H mgÍ bb‡Wwi‡fwUf Avw_©K m¤ú‡K eySv‡e hv we�q‡hvM¨ wnmv‡e †kªYxKiY Kiv n‡q‡Q Ges hv (K) FY Ges cÖvc¨ (L) †gqv`c~wZ© ch©šÍ aviYK…Z wewb‡qvM A_ev (M) jvf ÿwZi gva‡g cÖK…Z g~‡j¨ wbY©xZ Avw_©K m¤ú Gi AšÍf©y³ bq|

my¨BdU †kqvi, GmwcwmGj Gi †kqvi Ges AvBwmwe Bmjvgx e¨vsK wjwg‡UW Gi †kqvi we�q‡hvM¨ Avw_©K m¤ú wnmv‡e †kªYxKiY Kiv n‡q‡Q| my¨BdU †kqv‡ii evRvi g~j¨ bv _vKvq G‡ì cªK…Z g~j¨ wbiƒcY Kiv m¤¢e nqwb weavq AewnZ g~‡j¨ g~j¨vqb Kiv n‡q‡Q|

(5) jvf-ÿwZi gva¨‡g cÖK…Z g~‡j¨ Avw_©K `vq

e‡`wkK `vq‡K jvf-ÿwZi gva‡g Gi evRvi g~‡j¨ Avw_©K `vq wn‡m‡e †kªYxKiY Kiv n‡q‡Q Ges cªwZ w’wZcÎ Zvwi‡L G‡ì evRvi g~‡j¨ g~j¨vqb Kiv nq| w’wZc‡Îi Zvwi‡L AvBGgGd mswkøó `vq Amortized cost c×wZ‡Z g~j¨ wbiƒcY Kiv n‡q‡Q|

(6) Amortized cost we‡ePbvq Avw_©K `vq

¯í‡gqvw` †`bv (wifvm© †i‡cv), †bvU cªPviY, e¨vsK I Avw_©K cÖwZôvb‡jvi Rgv‡K Avw_©K `vq wn‡m‡e †kªYxKiY Kiv n‡q‡Q Ges cªwZ w’wZc‡Îi Zvwi‡L G‡ì Amortized cost we‡ePbvq g~j¨vqb Kiv n‡q‡Q |

M) Amortized cost Gi cwigvc c×wZ

Avw_©K m¤ú I `v‡qi Amortized cost wbY©‡qi †ÿ‡Î Avw_©K m¤ú I `v‡qi cªv_wgK g~j¨vqb n‡Z cwi‡kvwaZ Avmj ev` †`qvi ci Kvh©Kix my` cª‡qvM K‡i wba©vwiZ cyÄxf~Z Amortization n‡Z D™¢~Z cªv_wgK g~j¨vqb I †gqv`c~wZ©i g~‡jï cv_©K¨ †hvM ev we‡qvM K‡i impairment loss eve` hw` †Kvb



159

ÿwZ _v‡K Zv ev` †Ìqv nq | Kvh©Kix my` wbY©q cªw�qvq Avw_©K m¤ú I `v‡qi Amortized cost

Ges my` Avq I my` e¨q‡K mswk-ó mgqKv‡j eÈb Kiv n‡q‡Q |

N) cÖK…Z g~j¨ wbiƒcY bxwZgvjv

IqvwKenvj Ges B”QzK c‡ÿi g‡a wbw`©ó AvBwb KvVv‡gvi AvIZvq cwigvcb Zvwi‡L †h g~‡j¨ †Kvb m¤ú nÍvšÍi ev `vq wb®úbœ Kiv nq †m g~j¨‡K cÖK…Z ev evRvi g~j¨ e‡j| †Kvb m¤ú I `v‡qi cÖK…Z g~j¨ wbiƒc‡Y w’wZc‡Îi Zvwi‡L Kvh©Kix evRv‡i Zvi †jb‡`‡bi ì‡K we‡ePbv Kiv n‡q‡Q| Kvh©Kix evRvi ej‡Z Ggb eë’v‡K eySvq †hLv‡b h‡_ó g~j¨ D×…ZKvix _v‡K Ges cÖwZwbqZ cÖK…Z †jb‡`b AvBb m¤§Zfv‡e m¤úbœ nq| Kvh©Kix evRv‡ii AewnZ g~‡j¨ Avw_©K nvwZqvimg~‡ni cÖK„Z g~j¨ wbY©q Kiv nq| Avw_©K nvwZqvi mg~‡ni AewnZ g~j¨ wbqwgZ cvIqv †M‡jB evRvi‡K Kvh©Kix we‡ePbv Kiv nq| Avw_©K nvwZqvi mg~‡ni AKvh©Kix evRv‡ii †ÿ‡Î MÖæc g~j¨vqb †KŠkj cÖ‡qvM K‡i _v‡K|

O) cwigvc cieZx© jvf-ÿwZ

we�q‡hvM¨ m¤ú‡ì cÖK…Z g~‡jï cwieZ©bRwbZ jvf-ÿwZ mivmwi g~jab wnmv‡e Aš—fy©³ Kiv n‡q‡Q| hLb †Kvb Avw_©K m¤ú we�q, msMÖn A_ev Ab¨ †Kvbfv‡e wb®úwËK…Z nq, Zv n‡Z D™¢~Z cyÄxf~Z jvf/ÿwZ hv B‡Zvc~‡e© g~ja‡b wnmvevwqZ n‡qwQj, Zv Avq weeiYx‡Z ’vbvšÍi Kiv nq | jvf-ÿwZi gva‡g wbiƒwcZ cÖK…Z g~‡jï Avw_©K m¤ú I `v‡qi g~‡jï cwieZ©bRwbZ jvfÿwZ Av‡qi weeiYx‡Z AšÍf©y³ Kiv n‡q‡Q |

P) wnmv‡e A-AšÍf©y³KiY (De-recognition)

MÖæc KZ©„K ZLbB †Kvb Avw_©K m¤ú‡K wnmv‡e A-Aš—fy©³ Kiv nq bv hLb †Kvb Pyw³i kZ©vbymv‡i aviYK„Z m¤ú‡ì Ici MÖæc wbqš¿Y nvivq ev H m¤ú‡ì bM` cÖev‡ni Ici Pyw³i kZ©vbymv‡i Zvi †Kvb AwaKvi _v‡K bv Ges Zvi mv‡_ mswkøó SyuwK I gvwjKvbv ’vbvšÍi n‡q hvq| Pyw³i kZ©vbymv‡i †Kvb Avw_©K `v‡qi †gqv` DËxY© ev evwZj n‡j H `vq‡K wnmve n‡Z ev` †`qv nq|

eëmv‡qi D‡Ï‡k¨ iw¶Z Avw_©K m¤ú Ges we�q‡hvM¨ m¤ú Gi †ÿ‡Î hLb H m¤ú we�q Kiv nq Ges †�Zvi wbKU n‡Z wew�Z m¤ú‡ì g~j¨ cÖvc¨ wnmv‡e Aš—fy©³ Kiv nq ZLb H m¤ú‡K wnmve n‡Z ev` †`qv nq|

†gqv`c~wZ© ch©šÍ aviYK…Z `wjjvw` Ges m„ó FY I cÖvc¨ †`bv`vi KZ…©K m¤ú~Y©iƒ‡c cwi‡kv‡ai w`b †_‡K A_ev P~ovšÍfv‡e Av`vq‡hvM¨ bq g‡g© we‡ewPZ n‡j wnmve n‡Z Zv ev` †`qv nq |



160

Q) Impairement cwigvcKiY I wPwýZKiY

Impairement Gi wel‡q wbwðZ cÖgvYvw` cvIqv †M‡j Avw_©K m¤ú ‡jv cÖwZ w’wZc‡Îi Zvwi‡L cÖK…Z g~‡j¨ jvf I ¶wZi gva‡g cybg~©j¨vqb Kiv nq bv| Avw_©K m¤ú ‡jv ZLbB Impair Kiv nq hLb G ¶wZi fwel¨r bM` cÖevn‡jv wbwðZfv‡e wbY©q Kiv hvq|

Impairement mywbw`©ó I mgwóMZfv‡e we‡ePbv Kiv nq| mywbw`©ó Impairement wbY©‡qi Rb¨ mKj Zvrch©c~Y© Avw_©K m¤ú‡K cwigvc Kiv nq| mywbw`©ó Impairement wbY©q m¤¢e bv n‡j mvgwóKfv‡e Impairement wbY©q Kiv nq hw` Zv msNwUZ n‡q _v‡K wKš‘ B‡Zvc~‡e© mywbw`©ó Kiv bv n‡q _v‡K| m¤ú ‡jv hw` GKKfv‡e Zvrch©c~Y© bv n‡q _v‡K †m‡¶‡Î GKB ewk‡óï SuywK m¤wjZ Avw_©K m¤ú‡K (Amortized cost) MÖæcfy³ Kiv nq|

Avw_©K m¤ú ‡jv‡K †hfv‡e Impairement Kiv n‡q‡Q Zv n‡”Q, FYMÖnxZvi FY cwi‡kv‡ai A¶gZv, B‡Zvc~‡e© wbw`©ó Kiv nqwb Giƒc kZ© FY I AwMÖ‡gi †¶‡Î Av‡ivc, FYMÖnxZvi †`Dwjqv nIqvi m¤¢vebv, †Kvb wmwKDwiwU‡Ri Kvh©Kix evRvi bó n‡q hvIqv, A_ev FYMÖnxZv m¤úwK©Z Ggb †Kvb Z_¨ hv Zvi cwi‡kva m~wPi Ici cÖfve †dj‡Z cv‡i A_ev Ggb †Kvb A_©‰bwZK Ae’v hv cwi‡kv‡ai Ici weiƒc cÖfve †dj‡Z cv‡i|

†Kvb m¤ú‡ì Impairement loss wbav©i‡Yi Rb¨ H m¤ú‡ì Amortized Cost wbav©iY Kiv cÖ‡qvRb nq hv G m¤ú‡ì eZ©gvb g~j¨ Ges fwel¨r bM` cÖev‡ni cÖK…Z Kvh©Kix my` nv‡i evÆvK…Z As‡Ki cv_©K¨ n‡Z cvIqv hvq| G ¶wZ jvf ¶wZ wnmv‡e cÖ`k©b Kiv nq Ges FY I AwMÖg n‡Z ev` w`‡q cÖ`k©b Kiv nq|

cieZ©x mg‡q hw` Bg‡cqvi‡g›U ¶wZ nªvm cvq Ges Zv hw` †Kvb mywbw`©ó NUbvi mv‡_ e‘wbôfv‡e m¤úwK©Z Kiv hvq, †m‡¶‡Î D³ Ae‡jvcbK…Z A_© Av‡qi weeiYx‡Z reverse Kiv nq|

R) Ad‡mwUs

†Kvb cÖ`wk©Z A_© †mU Ad Kivi Rb¨ hLb †Kvb c‡¶i AvBbZ ejer †hvM¨ AwaKvi _v‡K Ges H †jb‡`bwU bxU wfwË‡Z wb®úwËi AwfcÖvq e¨³ K‡i _v‡K ZLb H mKj Avw_©K m¤ú I `vq‡jv‡K Ad‡mU K‡i bxU cwigvY‡K w’wZc‡Î cÖ`k©b Kiv n‡q _v‡K|

3.4 ê‡`wkK gy`ªv wnmve

wewfbœ †`‡ki †K› ªxq e¨vsK Ges wewfbœ e‡`wkK evwYwR¨K e¨vs‡Ki mv‡_ cwiPvwjZ PjwZ wnmv‡e e‡`wkK gy`ªvi w’wZ e‡`wkK gy`ªv wnmv‡ei AšÍ©fy³| w’wZc‡Îi Zvwi‡L H w`‡bi wewbgq nv‡i



161

e‡`wkK gy`ªv wnmv‡ei w’wZ Kvh©Kix gy`ªvq cwigvc Kiv nq Ges G cwigvc n‡Z D™¢~Z jvf-¶wZ mvgwMÖK Avq wnmv‡e AšÍf©y³ Kiv nq| w’wZc‡Îi Zvwi‡L wewbgqRwbZ Avq gybvdv AveÈbKv‡j cybg~©j¨vqb wiRv‡f© ’vbvšÍi Kiv nq|

3.5 ˆe‡`wkK wewb‡qvM

e‡`wkK wewb‡qvM ej‡Z ^í‡gqv‡` gybvdv AR©‡bi D‡Ï‡k¨ e‡`wkK evwYwR¨K e¨vs‡K Ges ’vbxq evwYwR¨K e¨vsKmg~‡ni Ad‡mvi e¨vswKs BDwbUmg~‡n GK n‡Z wZb gvm †gqv‡` e‡`wkK gy`ªvq wewb‡qvM, evÆvq �qK…Z gvwK©b Wjvi I BD‡iv †UªRvix wej Ges my` hy³ we‡`kx eÛ eySv‡bv n‡q‡Q| w’wZc‡Îi Zvwi‡L G mKj wewb‡qvM Amortized Cost wfwË‡Z H Zvwi‡Li wewbgq nv‡i Kvh©Kix gy`ªvq cwigvc Kiv nq Ges cwigvc n‡Z D™¢~Z jvf-¶wZ mvgwMÖK Avq wnmv‡e Aš—fy©³ Kiv nq| w’wZc‡Îi Zvwi‡L wewbgqRwbZ Avq gybvdv AveÈ‡bi gva‡g cybg~©j¨vqb wiRv‡f© ’vbvšÍi Kiv nq|

3.6 AvšÍRv ©wZK A_© Znwej (AvBGgGd) mswkøó m¤ú` I `vq

K) AvBGgGd Gi mv‡_ †jb‡`b

evsjv‡`k e¨vsK miKv‡ii e¨vsK wnmv‡e AvBGgGd mswkøó †jb‡`b m¤úbœ K‡i _v‡K| AvBGgGd Gi mv‡_ e¨vs‡Ki mKj †jb‡`b Abyiƒcfv‡e Avw_©K weeiYx‡Z Aš—fy©³ Kiv n‡q‡Q|

L) AvBGgGd Gi mv‡_ iw¶Z m¤ú`

AvBGgGd Gi mv‡_ iw¶Z GmwWAvi Gi w’wZ Ges wiRvf© Uª¨vÂ‡K AvBGgGd Gi mv‡_ iw¶Z m¤ú‡` Aš—fy©³ Kiv n‡q‡Q| w’wZc‡Îi Zvwi‡L GB mKj m¤ú GmwWAvi Gi mv‡_ H Zvwi‡Li Kvh©Kix gy`ªvi wewbgq nv‡i cwigvc Kiv nq| cwigvc n‡Z m„ó jvf-¶wZ mvgwMÖK Av‡qi weeiYx‡Z AšÍf©y³ Kiv n‡q‡Q Ges cieZ©x‡Z gybvdv Ave›UbKv‡j cybg~©j¨vqb wiRv‡f© ’vbvšÍi Kiv n‡q‡Q|

M) AvBGgGd Gi mv‡_ `vq

eivÏK…Z GmwWAvi Ges wcAviwRGd Gi AvIZvq M„nxZ FY AvBGgGd Gi mv‡_ `vq wnmv‡e mwbœ‡ek Kiv n‡q‡Q| w¯’wZc‡Îi Zvwi‡L G mKj `vq GmwWAvi Gi mv‡_ H Zvwi‡Li Kvh©Kix gy`ªvi wewbgq nv‡i cwigvc Kiv nq| cwigvc n‡Z m„ó jvf-¶wZ mvgwMÖK Av‡qi weeiYx‡Z AšÍf©y³ Kiv n‡q‡Q Ges cieZ©x‡Z Ave›UbKv‡j gybvdv n‡Z cybg©~j¨vqb wiRv‡f© ’vbvšÍi Kiv n‡q‡Q| Ab¨vb¨ AvBGgGd mswkøó LiP I AvBGgGd `v‡qi mv‡_ m¤úK©hy³ my` Av‡qi weeiYx‡Z †`Lv‡bv n‡q‡Q|



162

3.7 Ab¨vb¨ ˆe‡`wkK m¤ú`

e‡`wkK I ’vbxq evwYwR¨K e¨vsK‡K e‡`wkK gy`ªvq cÖ`Ë my`hy³ FY, myBd&U †kqvi Ges AwR©Z my` I wWwf‡WÛ Ab¨vb¨ m¤ú‡` mwbœ‡ek Kiv n‡q‡Q| cÖwZ w’wZc‡Îi Zvwi‡L e‡`wkK e¨vsK I ’vbxq e¨vsK‡K H mKj cÖ`Ë FY Amortized Cost wfwË‡Z H Zvwi‡Li wewbgq nv‡i Kvh©Kix gy`ªvq cwigvc Kiv nq| myBd&U †kqvi Gi †Kvb evRvi g~j¨ bv _vKvq wfwËg~‡j¨ g~j¨vqb Kiv n‡q‡Q|

3.8 bM` I bM` mgZzj¨

miKv‡ii wbKU n‡Z �qK…Z Ges e¨vsK KZ…©K aviYK…Z wKš‘ Bmy¨K…Z bq Giƒc GK I `yB UvKvi †bvU I avZe gy`ªv, e¨vs‡Ki e¨vswKs wefv‡M iw¶Z UvKvi w’wZ Ges mvewmwWqvix KZ©„K aviYK…Z bM` I e¨vsK w’wZ bM` I bM` mgZz‡j¨ AšÍfy©³ i‡q‡Q| Giƒ‡c A-Bmy¨K…Z gy`ªv I †bvU Zv‡`i AwfwnZ g~‡j¨ g~j¨vqb Kiv n‡q‡Q|

3.9 miKvi‡K cÖ`Ë FY

evsjv‡`k miKvi‡K cÖ`Ë ÔDcvq I DcKiY FYÕ, ÔIfviWªvdU&Õ (eøKW I PjwZ), miKv‡ii †UªRvix wej I eÛ‡jv G ai‡bi F‡Yi AšÍf©y³|

Dcvq I DcKiY FY

evsjv‡`k miKvi‡K ÔDcvq I DcKiYÕ Lv‡Z wifvm© †i‡cvi my` nv‡i cÖ`Ë AbwaK UvKv 10,000 wgwjqb FY G wnmv‡e Dc’vcb Kiv n‡q‡Q| miKvwi Lv‡Z Rgv A‡c¶v D‡Ëvjb †ewk n‡j AwZwi³ D‡Ëvjb ÔDcvq I DcKiYÕ FY wn‡m‡e we‡ePbv Kiv nq| miKvi n‡Z †Kvb cÖKvi DØ„Ë Av`vq cÖ_‡g miKvi‡K cÖ`Ë F‡Yi mgšq wn‡m‡e we‡ePbv Kiv nq|

evsjv‡`k miKv‡ii †UªRvix wej Ges IfviWªvdU

miKvi‡K cÖ`Ë F‡Yi IfviWªvdU& (eøKW I PjwZ), miKv‡ii †UªRvix wej I eÛ‡jv G ai‡bi F‡Yi Aš—fy©³| evsjv‡`k miKvi‡K cÖ`Ë 10,000 wgwjqb UvKvi AwZwi³ FY IfviWªvdU (PjwZ) wnmv‡e MY¨ Kiv nq| G‡ÿ‡Î wifvm© †i‡cvi my` nv‡ii †P‡q AwZwi³ 1 kZvsk nv‡i my` Av‡ivc Kiv nq| e¨vsK KZ…©K miKvi‡K cÖ`Ë FY mgš‡qi ci miKvi n‡Z DØ„Ë Av`vq Kiv n‡j Zv Øviv cÖ_‡g PjwZ IfviWªvdU& wnmve I c‡i IfviWªvdU& eøKW wnmve mgšq Kiv nq|



163

evwYwR¨K e¨vsK ev Avw_©K cÖwZôvb‡jv miKv‡ii wbKU n‡Z miKvwi †UªRvix wej I eÛ �q bv Ki‡j evsjv‡`k e¨vsK †m‡jv miKvi n‡Z �q K‡i| w’wZc‡Îi Zvwi‡L G‡ì Amortized Cost c×wZ‡Z g~j¨vqb Kiv n‡q‡Q|

3.10 †kqvi I FYc‡Î wewb‡qvM

nvDR wewìs dvBb¨vÝ K‡cv©‡ik‡bi (GBPweGdwm) FYcÎ Ges AvBwmwe BmjvwgK e¨vsK wjwg‡UW Gi †kqvi GLv‡b Aš—fy©³ Kiv n‡q‡Q| FYc‡Î wewb‡qvM Amortized Cost c×wZ‡Z g~j¨vqb Kiv n‡q‡Q Ges †kqv‡i wewb‡qvM �qg~‡j¨ †`Lv‡bv n‡q‡Q|

3.11 e¨vsK, Avw_©K cÖwZôvb I Kg©Pvix‡ì cÖ`Ë FY

ivóªxq gvwjKvbvaxb evwYwR¨K e¨vsK I we‡klvwqZ e¨vsK, Ab¨vb¨ Zdwmwj e¨vsK I Avw_©K cÖwZôvb Ges evsjv‡`k e¨vs‡Ki Kg©KZ©v/Kg©Pvix‡ì‡K cÖ`Ë FY Gi AšÍf©y³ i‡q‡Q| Av`vq‡hvM¨ bq Giƒc A¼ ev` w`‡q Av`vq‡hvM¨ A¼ GLv‡b cÖ`k©b Kiv n‡q‡Q|

3.12 ¯^Y© I †iŠc¨

gwZwSj Awdm Ges e¨vsK Ae Bsj¨v‡Û iwÿZ ¯Y© Ges gwZwSj Awd‡m iwÿZ †iŠ‡cï mgš^‡q ^Y© I †iŠ‡cï gRy` wba©viYc~e©K cÖwZ‡e`b †c‡ki Zvwi‡L Zv evRvi g~‡j¨ cÖ`wk©Z nq| cybg©~j¨vqb n‡Z D™¢~Z jvf ev ¶wZ mvgwMÖK Avq weeiYx‡Z Aš—fy©³ Kiv n‡q‡Q| GB jvf gybvdv AveÈbKv‡j cybg~©j¨vqb mwÂwZ-¯Y© I †iŠc¨ wnmv‡e ’vbvšÍi Kiv n‡q‡Q|

3.13 m¤úwË, ¯’vcbv I miÄvgvw`

K) wnmv‡e AšÍf©yw³KiY I cwigvcbm¤úwË, ’vcbv I miÄvgvwì cybg~©j¨vwqZ g~j¨‡K cÖK…Z g~j¨ we‡ePbv K‡i Zv n‡Z cyÄxf~Z AePq Ges Bg‡cqvi‡g›U ¶wZ ev` w`‡q Dc’vcb Kiv n‡q‡Q|

m¤úwË, ’vcbv I miÄvgvwì AvIZvq f~wg I feb e¨vs‡Ki wbR^ m¤ú wn‡m‡e we‡ePbv Kiv n‡q‡Q Ges Zv e¨vs‡Ki cwiPvjbv, eë’vcbv Ges Kg©Pvix‡ì Avevm¯’j wn‡m‡e eëüZ n‡”Q|

L) cybg©~j¨vqb

e¨vsK Zvi gvwjKvbvaxb f~wg 30 Ryb 2009 Zvwi‡Li wfwË‡Z GKwU ¯Zš¿ g~j¨vqbKvix cÖwZôvb †gmvm© Avn‡g` GÛ Av³vi, PvU©vW© GKvD›U¨v›Um Øviv cybg©~j¨vqb Kwi‡q‡Q| Ab¨vb¨ m¤úwË, ’vcbv I hvwš¿K miÄvgvw` 2009 mv‡ji 1 RyjvB cybg©~j¨vqb Kiv n‡qwQj|



164

m¤úwË, ¯’vcbv I hvwš¿K miÄvgvw` cybg~©j¨vq‡bi †¶‡Î Zvrch©c~Y© cÖw� qv I aviYv¸‡jv wbgiƒc t

(A) †hŠw³K g~‡j¨ f‚wg cybg©~j¨vqb Kiv n‡q‡Q| cÖvmw½K mg‡q ’vb wfwËK f~wgi we�q g~j¨‡K we‡ePbvq wb‡q f¨vjyqvi KZ…©K f~wg cybg©~j¨vqb Kiv n‡q‡Q|

(Av) feb, g~jabx Kv‡Ri AMÖMwZ, e`y¨wZK I M¨vm ’vcbv cybg~©j¨vq‡bi †¶‡Î wbgv©Y I ’vcbvi miÄvgvwì cÖK…Z g~j¨ Ges kªwgK I Ifvi‡nW LiP‡K g~j¨ wnmv‡e we‡ePbv Kiv n‡q‡Q|

(B) hvwš¿K miÄvgvw`, ’vcbv I hš¿cvwZ Ges †gvUihvb cÖwZ¯’vcb g~‡jï wfwË‡Z cybg~©j¨vqb Kiv n‡q‡Q|

M) cieZx© e¨q

m¤úwË, ’vcbv I miÄvgvwì Rb¨ cieZ©x‡Z wbev©wnZ e¨q‡K g~jabxKiY Kiv nq hLb D³ m¤úwË n‡Z A_©‰bwZK myweav e„w× cvq| m¤úwË, ’vcbv I miÄvgvwì i¶Yv‡e¶‡Yi †¶‡Î msNwUZ cÖvZ¨wnK e¨q jvf-¶wZ wn‡m‡e wnmvevqb Kiv n‡q‡Q|

N) g~jabx Kv‡Ri AMÖMwZ e¨q

g~jabx Kv‡Ri AMÖMwZi LiP‡K en‡bi mgq wnmvevqb Kiv n‡q‡Q Ges KvR †k‡l AePq wnmvevqb Kiv n‡q‡Q|

O) AePq

f~wg Ges g~jabx Kv‡Ri AMÖMwZi e¨q e¨ZxZ feb, ’vcbv I miÄvgvwì AšÍf©y³ mKj `dv mij‰iwLK c×wZ‡Z AePq avh© K‡i Zv jvf-¶wZ wnmv‡e wnmvevqb Kiv n‡q‡Q| f~wg Ges g~jabx Kv‡Ri AMÖMwZi †¶‡Î AePq avh© Kiv nqwb| m¤úwË AR©‡bi cieZx© gvm n‡Z AePq avh© Kiv n‡q‡Q| AePq wbgœewY©Z nv‡i avh© Kiv n‡q‡Q t

weeiY e¨vsK mvewmwWqvix (GmwcwmGj)feb 5% 2.5%-5%hvwš¿K/Awdm miÄvgvw` 20% 20%hš¿cvwZ - 5%-7%AvmevecÎ, miÄvgvw` I hš¿cvwZ 10% 10%Ab¨vb¨ ’vcbv - 5%-20%†gvUi Mvwo 20% 20%e`y¨wZK ’vcbv, Kw¤úDUvi, hš¿cvwZ BZ¨vw` 20% -M¨vm ’vcbv 20% -



165

3.14 wmwKDwiwUR¸‡jvi †`bv I FY cÖ`vb Ges cybt� q †jb‡`b

Avw_©K evRvi Kvh©�‡ gi AvIZvq evsjv‡`k e¨vsK ’vbxq miKv‡ii †UªRvix we‡ji cybt�q Pzw³ m¤úv`b K‡i _v‡K| hLb MÖæc †Kvb Avw_©K m¤ú we�q K‡i Ges GKB mv‡_ H m¤ú fwel¨‡Z †Kvb Zvwi‡L wbw`©ó `v‡g cybt�‡ qi Pzw³ K‡i Zv MÖæ‡ci Rgv wnmv‡e MY¨ Kiv nq Ges Avw_©K weeiYx‡Z †`Lv‡bv nq| Ab¨w`‡K, hLb evwYwR¨K e¨vsKmg~n †Kvb Avw_©K m¤ú we�q K‡i Ges GKB mv‡_ H m¤ú fwel¨‡Z †Kvb Zvwi‡L wbw`©ó `v‡g cybt�‡ qi Pzw³ K‡i Zv MÖæ‡ci FY wnmv‡e †`Lv‡bv nq Ges Avw_©K weeiYx‡Z Zv †`Lv‡bv nq bv|

3.15 Kg©Pvix myweav

Kg©KZ©v/Kg©Pvix‡`i †mevi wecix‡Z cÖwZôvb KZ…©K cÖ`Ë myweavw` wewfbœ Kg©Pvix myweavi AšÍfz©³| Kg©Pvix myweav wbgœiƒcfv‡e wnmv‡e AšÍf©y³ Kiv nq t

K) hLb †Kvb Kg©Pvix †mev †`q ZLb Zvi wecix‡Z fwel¨‡Z Kg©Pvix myweav cÖ`v‡bi `vq m„wó nq; GesL) hLb cÖwZôvb †Kvb Kg©Pvix cÖ`Ë †mev n‡Z Avw_©K myweav †c‡q _v‡K ZLb Zvi wecix‡Z Kg©Pvix myweav LiP wn‡m‡e MY¨ nq|

3.16 ¯^í‡gqvw` Kg©Pvix myweav

¯í‡gqvw` Kg©Pvix myweavi `vq AevÆvK…Z c×wZ‡Z cwigvc Kiv n‡q‡Q Ges cÖ`Ë †mevi wecix‡Z e¨q wn‡m‡e wnmvevqb Kiv n‡q‡Q| ^í‡gqv‡` bM` †evbvm A_ev gybvdv Aswk`vwi‡Z¡i cwiKíbvi Rb¨ m¤¢ve¨ cÖ‡`q As‡Ki cÖwfkb e¨q wn‡m‡e Avq weeiYx‡Z AšÍ©fz³ Kiv n‡q‡Q|

3.17 PvKzwi DËi myweav

PvKzwi DËi myweav n‡”Q H mKj myweav (PvKzwiPz¨wZ myweav e¨ZxZ) hv Kg©Pvixi PvKzwi c~wZ©‡Z cÖ`vb‡hvM¨ n‡e| cÖwZôvbwUi PvKzwi DËi myweav cÖ`v‡bi Rb¨ K‡qKwU myweav cwiKíbv i‡q‡Q hv Zvi Avq e¨q weeiYx‡Z e¨q wnmv‡e cÖ`k©b Kiv n‡q‡Q|

(K) mywbw`©ó AskMÖnY cwiKíbv

mywbw`©ó AskMÖnY cwiKíbv n‡”Q wb‡qvM cieZ©x myweav cwiKíbv †hLv‡b cÖwZôvb Kg©Pvixi †mevi wecix‡Z GKwU c„_K mË¡v‡K (Znwej) GKwU wbw`©ó A¼ cÖ`vb K‡i Ges †hLv‡b cieZ©x‡Z hw` myweav cÖ`v‡bi Rb¨ h‡_ó/ ch©vß Znwej bv _v‡K †m †ÿ‡Î cÖwZôv‡bi AvBbMZ ev mvgwMÖK †Kvb `vq _v‡K bv|



166

(1) Kw›UªweDUix cÖwf‡W›U dvÛe¨vsK I Kg©Pvix DfqB G dv‡Û Aby`vb †hvMvb †`q| G dv‡Û cÖ‡`q e¨vs‡Ki Aby`vb‡K Av‡qi wecix‡Z LiP wn‡m‡e †`Lv‡bv nq|

(L) wbw`©ó myweav cwiKíbv

mywbw`©ó myweav cwiKíbv n‡”Q wb‡qvM DËi myweav cwiKíbv hv mywbw`©ó AskMÖnY cwiKíbv n‡Z wfbœ|

(1) †Rbv‡ij cÖwf‡W›U dvÛKg©Pvixiv Zv‡ì g~j †eZ‡bi wewfbœœ nv‡i G dv‡Û A_© cÖ`vb K‡ib| G dv‡Û e¨vs‡Ki †Kvb Aby`vb †bB| fwel¨ Znwe‡ji A_© wewfbœ wmwKDwiwU‡R wewb‡qvM Kiv nq Ges e¨vsK GB Znwe‡ji Ici 12.5% gybvdv cÖ`v‡b A½xKvive×| wewb‡qvMK…Z A‡_©i cÖv‡cï ZviZg¨ e¨vsK KZ…©K cwi‡kva Kiv nq Ges Zv e¨vs‡Ki Avq-e¨q weeiYx‡Z cÖwZdwjZ nq|

(2) †cbkb cwiKíbv (¯‹xg)g~j¨vqbKvix KZ…©K e¨vs‡Ki †cbkb `vq 2006 mv‡j wnmvevqb Kiv n‡q‡Q| GB mywb©w`ó myweav cÖ`v‡bi Rb¨ m„ó `vq Avq-e¨q weeiYx‡Z LiP wnmv‡e †`Lv‡bv nq|

(3) MÖ¨vPzBwU cwiKíbv (¯‹xg) AemiMÖn‡Yi ci Kg©Pvixiv cÖwZ eQi PvKzwii wecix‡Z 2 gv‡mi P~ovšÍ g~j †eZ‡bi mgcwigvY A_© cÖvc¨ nb| e¨vsK 2006 mv‡j G cwiKíbvi G¨vKPzqvix g~j¨vqb Kwi‡q‡Q| GB cwiKíbvi wecix‡Z D™¢~Z `vq Avq-e¨q weeiYx‡Z e¨q wnmv‡e †`Lv‡bv nq| hLb †Kvb cwiKíbvi myweav e„w× cvq, ewa©Z AskUzKy Mo mg‡qi Ici mij iwLK c×wZ‡Z e¨q wnmv‡e MY¨ Kiv nq|

3.18. Ab¨vb¨ `xN©‡gqvw` PvKzwi myweav

Ab¨vb¨ `xN©‡gqvw` PvKzwi myweavi g‡a H mKj PvKzwi myweav (PvKzwi DËi myweav Ges PvKzwiP~¨wZ myweav e¨ZxZ) i‡q‡Q hv Kg©Kv‡ji 12 gv‡mi g‡a Kg©Pvix c~Y© cÖvc¨Zv jvf K‡ib bv| AemiKvjxb mg‡q AeëüZ QzwU bM`vqb‡hvM¨ nq Ges Gi Rb¨ 2010-2011 mv‡j cÖ‡qvRbxq A_© msiÿY Kiv n‡q‡Q| cÖ‡Z¨K Kg©Pvix‡K cÖ‡`q wPwKrmv fvZv bM`vb wfwË‡Z wnmvevqb Kiv nq|

3.19 cÖwfkb

AZx‡Zi †Kvb NUbvi djvd‡ji Rb¨ AvBbMZfv‡e m„ó `vq Ges fwel¨‡Z D³ `vq wb®úwËi j‡ÿ Avw_©K myweav cÖ`v‡bi m¤¢vebv _vKvq Ges Zv wbf©i‡hvM¨fv‡e cwigvc Kiv †M‡j †m‡ÿ‡Î cÖwfkb wnmvevqb Kiv n‡q‡Q|



167

A) cÖwfkb ZLbB w’wZc‡Î Aš—fy©³ Kiv nq hLb AZx‡Zi †Kvb NUbvi djvd‡ji Rb¨ AvBbMZfv‡e m„ó `vq Ges fwel¨‡Z D³ `vq wb®úwËi j‡ÿ Avw_©K myweav cÖ`v‡bi m¤¢vebv _v‡K Ges Zv n‡Z †Kvb bM` cÖev‡ni m¤¢vebv _v‡K Ges Zv wbf©i‡hvM¨fv‡e cwigvc Kiv hvq|

Av) AvBbMZfv‡e m„ó `vq n‡”Q Ggb ai‡bi `vq hv Pzw³, cÖweavb ev Ab¨ †Kvb AvBb ms�všÍ cÖw�qvq m„ó n‡q‡Q| MwVZ `vq n‡”Q cÖwZôvb KZ…©K m¤úvw`Z ev cÖKvwkZ bxwZ n‡Z D™¢~Z `vq|

B) w’wZc‡Îi Zvwi‡L wbY©qK…Z eZ©gvb `vq cwi‡kv‡ai Rb¨ cÖK…Z cwigvY e¨q wbiƒcYc~e©K Zv cÖwfkb wnmv‡e AšÍf©y³ Kiv n‡q‡Q|

C) †h †ÿ‡Î A‡_©i mgq g~j¨ Zvrch©c~Y©iƒ‡c cwiMwYZ n‡q‡Q †m †ÿ‡Î cÖwfkb wnmvevq‡bi mgq fwel¨r `vq‡K eZ©gvb Li‡P g~j¨vqb Kiv nq|

D) m‡e©vËg cwigvY wbY©qc~e©K w’wZc‡Îi Zvwi‡L cÖwfkb ch©v‡jvPbv Kiv nq|

E) cÖK…Zc‡ÿ †h e¨q wbe©v‡ni Rb¨ cÖwfkb wnmvevqb Kiv n‡q‡Q Zv wbe©v‡ni Rb¨B cÖwfkb eëüZ nq|

3.20 cÖPviYK…Z †bvU

evsjv‡`k e¨vsK KZ…©K Bmy¨K…Z †bv‡Ui wecix‡Z evn‡Ki `vwe i‡q‡Q| cÖPviYK…Z †bv‡Ui `vq Avw_©K weeiYx‡Z AewnZ g~‡j¨ Dc’vcb Kiv n‡q‡Q|

3.21 my` Avq I e¨q

my` eve` Avq Ges e¨q Kvh©Ki my` nvi bxwZ cÖ‡qvM K‡i Avq-e¨q weeiYx‡Z wnmvevqb Kiv n‡q‡Q| †h nv‡i Avw_©K m¤ú ev `v‡qi (ev, †mLv‡b cÖ‡hvR¨, ^í‡gqv`) mv‡_ mswkøó bM` cÖ`vb ev MÖnY evÆv K‡i Avw_©K m¤ú ev `v‡qi cÖK…Z g~‡jï mgvb nq Zv‡K Kvh©Ki my` nvi e‡j| Kvh©Ki my` nvi Avw_©K m¤ú ev `v‡qi cÖv_wgKfv‡e wnmvevq‡b AšÍf©y³ Kiv nq Ges mPivPi cwieZ©b Kiv nq bv|

my` eve` Avq I e¨q Gi g‡a evÆv ev wcÖwgqvg mgwóMZfv‡e ev my` AvniYhy³ Bb÷ªy‡g›U‡jvi †ÿ‡Î AwewnZ g~j¨ Ges †gqv`c~wZ©‡Z Kvh©Ki my` nv‡ii wfwË‡Z cÖK…Z g~‡jï cv_©K¨ AšÍf©z³ Kiv n‡q‡Q|

wd I Kwgkb Avq Ges LiP hv Avw_©K m¤ú I `vqmg~‡ni cÖK„Z my` nvi wbY©‡qi Rb¨ Acwinvh© Zv AšÍfz©³ Kiv n‡q‡Q|



168

3.22 Kwgkb I evÆv-wd-Kwgkb eve` Avq

Kwgkb eve` Avq e¨vsK KZ©©„K †Kvb Bb÷ªy‡g›U Bmy¨ Kivi mgq, iKgvwi wnmv‡e `xN©w`‡bi e‡Kqvi m~‡Î, wewea `ªe¨vwì we�q, Kg©KZ©v/Kg©Pvix‡ì wbKU n‡Z Av`vqK…Z Mvwo/evm fvov n‡Z AwR©Z nq|

3.23 wWwf‡WÛ AvqAvq AR©‡bi AwaKvi cÖwZwôZ nIqvi ci wWwf‡WÛ eve` Avq e¨vsK KZ…©K c„_K Avw_©K weeiYx‡Z AšÍf©y³ Kiv n‡q‡Q|

3.24 ê‡`wkK gy`ªv cybg~©j¨vqb n‡Z DmyjK…Z Avqgvm †k‡l Mo e¨q DØ„Ë cwieZ©b gy`ªv wfwËK cš’vq (K) †hLv‡b bxU gy`ªvi cwigvY e„w× †c‡q‡Q, Mo nvi‡K gy`ªvi cwigvY e„w× Øviv Y K‡i Mo g~j¨ e„w×i cwigvY wbY©q Ges (L) †hLv‡b bxU gy`ªvi cwigvY n«vm †c‡q‡Q, cÖviw¤¢K Mo nvi Ges gy`ªvi n«v‡mi cwigvY we‡ePbv‡šÍ Mo g~j¨ n«v‡mi cwigvY we‡ewPZ n‡q‡Q| wnmv‡ei ewn‡Z cÖ`wk©Z mgvcbx wewbgq nvi Ges gy`ªv wfwËK Mo nvi Gi cv_©K¨ wbYx©Z n‡q‡Q| w’wZ‡K AbycvwR©Z cybg©~j¨vqb mwÂwZ wnmv‡e we‡ePbv Kiv n‡q‡Q|

AbycvwR©Z cybg©~j¨vwqZ mwÂwZ wnmv‡ei †Ri Ges †jRvi w’wZi cv_©K¨‡K D³ mg‡qi DcvwR©Z cybg©~j¨vqb Avq wnmv‡e we‡ePbv Kiv n‡q‡Q|

DmyjK…Z e‡`wkK gy`ªvi cybg©~j¨vqbRwbZ Avq‡K gybvdv wnmv‡e we‡ePbv K‡i Zzjbvg~jK wPÎ cyb©web¨vm K‡i PjwZ eQ‡i Dc’vcb Kiv n‡q‡Q|

3.25 AvqKi

(K) evsjv‡`k e¨vsK

evsjv‡`k e¨vsK AW©vi 1972, Gi 75 avivi kZ© †gvZv‡eK evsjv‡`k e¨vs‡Ki mKj cÖKvi Avq, gybvdv Ges AR©b h_v�‡ g AvqKi, mycviU¨v· A_ev eëmvwqK gybvdv K‡ii AvIZvgy³|

(L) mvewmwWqvix

PjwZ eQ‡ii jvf ÿwZi Ici AvqK‡ii g‡a PjwZ eQ‡ii Ki Ges wejw¤^Z Ki AšÍf©z³ i‡q‡Q| †h Avq mivmwi BKz¨BwU wn‡m‡e ^xK…Z n‡q‡Q Zv e¨ZxZ Avq weeiYxi Ab¨vb¨ wel‡qi Ici AvqKi wnmve Kiv n‡q‡Q|



169

PjwZ Ki ej‡Z PjwZ eQ‡ii Ki‡hvM¨ Av‡qi Ici cÖ‡`q Ki‡K eySv‡bv n‡q‡Q, G†ÿ‡Î w’wZc‡Îi Zvwi‡L Av‡ivc ev Av‡ivc‡hvM¨ Ki nvi cÖ‡qvM Kiv n‡q‡Q, Ges c~e©eZx© eQ‡ii cÖ‡`q K‡ii mv‡_ mgšq Kiv n‡q‡Q|

m¤ú I `v‡qi w’wZc‡Î cÖ`wk©Z evwnZ g~j¨ Ges Ki nv‡ii cv_©‡K¨i Kvi‡Y wejw¤^Z Ki m„wó n‡q‡Q| wbgœœwjwLZ mvgwqK KviYwj‡Z wejw¤Z Ki m„wó Kiv nq bv t mybv‡gi cÖv_wgK AšÍfz©w³KiY, m¤ú I `v‡qi cÖv_wgK AšÍfy©w³KiY hv wnmveiÿY cÖw�qv ev Ki‡hvM¨ Avq e¨q‡K cÖfvweZ K‡ibv Ges mvewmwWqvix‡Z wewb‡qvM ms�všÍ †m cwigvY cv_©K¨ hv fwel¨‡Z wecixZ `vwLjvi gva‡g cwieZ©b n‡ebv| w’wZc‡Îi Zvwi‡L Pjgvb Ki nv‡i wejw¤^Z Ki wbY©xZ nq|

3.26 w¯’wZc‡Îi Zvwi‡Li cieZ©x welq¸‡jv

w’wZc‡Îi Zvwi‡Li cieZ©x NUbv‡jv Ggb ai‡bi AwZwi³ Z_¨ cÖ`vb K‡i hv MÖæ‡ci w’wZc‡Îi Zvwi‡Li Ae’vb m¤ú©‡K A_ev h_vh_ bq Ggb Pjgvb aviYv hv Avw_©K weeiYx‡Z cÖwZdwjZ n‡q‡Q| AvBGGm 10 Abyhvqx w’wZc‡Îi Zvwi‡Li cieZx© NUbv‡jv hv mgš^‡qi welq bq Zv iæZ¡c~Y© n‡j †m wel‡q †bv‡U D‡jøL Kiv n‡q‡Q|



170

evsjv‡`k e¨vsK30 Ryb 2011 ZvwiL I mgvß eQ‡ii Avw_©K weeiYxi †bvU mg~n

4 ê‡`wkK gy`ªv 176,508,754 204,176,852 D‡jøwLZ w’wZ Ab¨vb¨ †`‡ki †K› ªxq e¨vs‡K Rgv I w’wZ Ges evwYwR¨K e¨vsKmg~‡n wewfbœ e‡`wkK gy`ªvi IfvibvBU wewb‡qv‡Mi wewbgq g~j¨ wb‡`©k K‡i|

5 ê‡`wkK wewb‡qvM ewnt we‡k¦i evwYwR¨K e¨vsKmg~‡n ¯í‡gqvw` wewb‡qvM 231,046,039 213,891,078 BDGm Wjvi †UªRvix wej 123,938,249 166,666,087 ¯Y© wewb‡qvM 14,458,023 4,612,799 e‡`wkK eÛ 120,326,643 89,329,804

489,768,954 474,499,768

Av‡jvP¨ w’wZmg~n †bvU bs 44 I 44K Gi mv‡_ mshy³ †bvUmn cvV‡hvM¨|

6 AvBGgGd mswkøó m¤ú` I `vq m¤ú`†KvUv 63,018,905 54,815,493 ev`: wmwKDwiwU wnmve (53,177,858) (51,891,930) AvBGgGd wnmve bs 1 (9,792,494) (2,891,147) wiRvf© †UªÝ 48,553 32,416 GmwWAvi †nvwìs 48,299,419 45,559,847

48,347,972 45,592,263 `vq

AvBGgGd wnmve bs 2 Ges Ri“ix cÖvK…wZK `~‡h©vM mnvqZv 15,756,906 6,907,532 GmwWAvi eivÏ 60,641,092 52,462,218 `vwi`ª¨ we‡gvPb I cÖe„w× myweav Lv‡Zi FY 29,185,854 28,993,726

105,583,852 88,363,476

evsjv‡`k 1972 mb n‡Z AvBGgGd Gi m`m¨| evsjv‡`k e¨vsK AvBGgGd Gi RgvKviK (Depository) Ges Avw_©K G‡R›Uiƒ‡c KvR K‡i| Avw_©K G‡R›U wn‡m‡e evsjv‡`k e¨vsK AvBGgGd Gi mv‡_ mKj Kvh©�g I †jb‡`b cwiPvjbvi Rb¨ ¶gZvcÖvß| RgvKviK wn‡m‡e evsjv‡`k e¨vsK dv‡Ûi Kv‡iÝx †nvwìs i¶Yv‡e¶Y K‡i Ges Avw_©K weeiYx‡Z dv‡Ûi m`m¨ wn‡m‡e m¤ú I `v‡qi hv‡Z h_vh_ cÖwZdjb N‡U Zvi wbðqZv †`q|

†KvUv n‡”Q evsjv‡`k KZ©„K cÖ‡`q m`m¨ Puv`vi cwigvY| Puv`vi Ask AvswkK msiw¶Z m¤ú, AvswkK dv‡Ûi mv‡_ e¨vs‡Ki cwiPvwjZ wnmv‡e Rgvi gva‡g Ges AvswkK dv‡Ûi AbyK~‡j A½xKvibvgv (Promissory Note) Bmyï gva‡g cwi‡kva Kiv nq|

GmwWAvi eiv‡Ïi mgq m`m¨cÿ Gi wfwË‡Z m`m¨ KZ©„K A_© D‡Ëvj‡bi we‡kl ¶gZv AvBGgGd KZ©„K wba©vwiZ nq| evsjv‡`k e¨vsK eivÏK…Z GmwWAvi Gi Ici my` cÖ`vb K‡i Ges aviYK…Z GmwWAvi Gi Ici my` cÖvc¨ nq|

Gm wW Avi eivÏ Ges `vwi`ª¨ we‡gvPb I cÖe„w× myweav Lv‡Zi FY e¨ZxZ AvBGgGd mswkøó `vq I m¤úmgyn 30 GwcÖj2011 Zvwi‡Li wewbgq nv‡i UvKvq iƒcvš—i Kiv n‡q‡Q| Gm wW Avi eivÏ I `vwi`ª¨ we‡gvPb I cÖe„w× myweav Lv‡Zi FY w’wZc‡Îi Zvwi‡Li wewbgq nv‡i UvKvq iƒcvš—i Kiv n‡q‡Q| AvBGgGd Gi mv‡_ evsjv‡`‡ki ¯v_© bxU wfwË‡Z †`Lv‡bv n‡q‡Q †Kbbv m`m¨‡ì g‡a Giƒc Ki‡Yi Rb¨ AvBbMZ AwaKvi i‡q‡Q|


2011 '000 UvKvq

2010 '000 UvKvq


171


7 Ab¨vb¨ ˆe‡`wkK m¤ú` Ab¨vb¨ e¨vsK‡K cÖ`Ë FY (†bvU -7.1) 61,695,813 18,113,398 myBd&U †kqvi 80 80 cÖvc¨ my` 2,545,608 1,628,927

64,241,501 19,742,405 ev` t g› F‡Yi Rb¨ ms’vb (308,289) (307,601) †gvU Ab¨vb¨ m¤ú 63,933,212 19,434,804

Avw_©K eQi 2010 Gi †g I Ryb gv‡m evwYwR¨K e¨vs‡K iwÿZ ¯í‡gqvw` Rgvi Ici †gvU 21,977 UvKvi my` fzjekZ Avw_©K eQi 2010 G †`Lv‡bv nqwb | GwU c~e©eZ©x eQ‡ii mgšq wnmv‡e †`Lv‡bv n‡q‡Q |

7.1 Ab¨vb¨ e¨vsK‡K cÖ`Ë FY BwWGd Wjvi wewb‡qvM 29,690,076 17,805,797 Gd wm Ifvi WªvdU 31,697,448 - †m›Uªvj e¨vsK Ae BivK 296,164 296,164 iƒcvjx e¨vsK KivPx 12,125 11,437 61,695,813 18,113,398 Av‡jvP¨ w’wZmg~n †bvU bs 44 I 44K Gi mv‡_ mshy³ †bvUmn cvV‡hvM¨|

8 bM` I bM` mgZzj 306,339 242,237

DwjøwLZ w’wZ wewbgq g~j¨ cÖ`vbc~e©K miKv‡ii wbKU n‡Z �qK…Z GK UvKv I `yB UvKv g~j¨gv‡bi ABmy¨K…Z (unissued) †bvU/K‡qb Ges e¨vswKs wefv‡M iw¶Z †bv‡Ui g~j¨gvb wb‡`©k K‡i|

8K mgwš^Z bM` I bM` mgZzj 582,900 243,260


9 miKvi‡K cÖ`Ë FY I AwMÖg

miKvi‡K cÖ`Ë F‡Yi g‡a ÔDcvq I DcKiYÕ wnmv‡e cÖ`Ë FY Ges IfviWªvd&U I †UªRvix wej AšÍfy©³| Dcvq I DcKiY wnmv‡e miKvi‡K cÖ`Ë AvMvg‡K eySv‡bv n‡q‡Q hvi m‡e©v”P mxgv UvKv 10,000 wgwjqb | GB AvMv‡gi Ici wifvm© †i‡cvi nv‡i my` AwR©Z nq| 10,000 wgwjqb UvKvi AwZwi³ AvMvg IfviWªvdU (PjwZ) wnmv‡ei AšÍfy©³|

Dcvq I DcKiY AvMvg 10,000,000 - IfviWªvd&U-eøK (†UªRvix wej) 176,510,000 191,510,000 IfviWªvd&U-PjwZ 97,277,800 - †UªRvix wej 1,132,472 1,491,163 †UªRvix eÛ 28,609,521 24,880,871 313,529,793 217,882,034


2011 '000 UvKvq

2010 '000 UvKvq


172


10 †kqvi I wW‡eÂv‡i wewb‡qvM

wW‡eÂvi-nvDR wewìs dvBb¨vÝ K‡c©vt 6,676,667 7,230,000 mvewmwWqvix‡Z wewb‡qvM (†bvU 10.1) 500,000 500,000 7,176,667 7,730,000 10.1 mvewmwWqvix‡Z wewb‡qvM

e¨vsK mvewmwWqvix cÖwZôvb w` wmwKDwiwU wcÖw›Us K‡cv©‡ikb (evsjv‡`k) wjwg‡UW Gi 100% †kqv‡ii gvwjK |

10K †kqvi I wW‡eÂv‡i mgwš^Z wewb‡qvM

wW‡eÂvi - nvDR wewìs dvBb¨vÝ K‡c©v‡ikb 6,676,667 7,230,000 ^í‡gqvw` gy`ªv evRvi wewb‡qvM 1,139,860 1,242,888 †kqvi-AvBwmwe Bmjvgx e¨vsK 7,452 7,452 Ab¨vb¨ 4,110 966,541 7,828,089 9,446,881 Av‡jvP¨ w’wZmg~n †bvU bs 44 I 44K Gi mv‡_ mshy³ †bvUmn cvV‡hvM¨|

11 e¨vsK, Avw_©K cÖwZôvbmg~n I Kg©Pvix‡ì cÖ`Ë AvMvg

(i) e¨vsK I Avw_©K cÖwZôvbmg~n‡K cÖ`Ë AvMvg

miKvwi gvwjKvbvaxb e¨vsK t evwYwR¨K e¨vsK 4,866,643 59,269 we‡klvwqZ e¨vsK 52,791,644 52,545,102 57,658,287 52,604,371 ev`t cÖwfkb di Bg‡cqvi‡g›U (811,438) (1,228,688) 56,846,849 51,375,683

Ab¨vb¨ e¨vsK I Avw_©K cÖwZôvbmg~n‡K cÖ`Ë FY e¨w³ gvwjKvbvaxb e¨vsK 4,397,260 3,249,109 Ab¨vb¨ FY I AvMvg 14,084,721 13,829,757 18,481,981 17,078,866 cÖvc¨ my` 7,600,024 7,484,208 82,928,854 75,938,757

(ii) Kg©KZ©v/Kg©Pvix‡ì‡K cÖ`Ë FY I AvMvg

Kg©KZ©v/Kg©Pvix‡ì‡K cÖ`Ë FY I AwMÖg 18,028,326 14,976,248 ev`t Kg©KZ©v/Kg©Pvix‡ì‡K cÖ`Ë FY I AwMÖg Gi wecix‡Z ms’vb (Provision) (264,141) (264,829)

17,764,185 14,711,419 †gvU FY I AwMÖg (i+ii) 100,693,039 90,650,176


2011 '000 UvKvq

2010 '000 UvKvq


173


11K e¨vsK, Avw_©K cÖwZôvbmg~n I Kg©Pvix‡ì cÖ`Ë mgwšZ AvMvg (i) e¨vsK I Avw_©K cÖwZôvbmg~n‡K cÖ`Ë AvMvg

miKvwi gvwjKvbvaxb e¨vsK t evwYwR¨K e¨vsK 4,866,643 59,269 we‡klvwqZ e¨vsK 52,791,644 52,545,102 57,658,287 52,604,371 ev`t Bg‡cqvi‡g‡›Ui Rb¨ ms’vb (811,438) (1,228,688) 56,846,849 51,375,683 Ab¨vb¨ e¨vsK I Avw_©K cÖwZôvbmg~n‡K cÖ`Ë FY t e¨w³ gvwjKvbvaxb e¨vsK 4,397,260 3,249,109 Ab¨vb¨ FY I AvMvg 14,084,721 13,829,757 18,481,981 17,078,866 cÖvc¨ my` 7,600,024 7,484,208 82,928,854 75,938,757

(ii) Kg©KZ©v/Kg©Pvix‡ì‡K cÖ`Ë FY I AvMvg

Kg©KZ©v/Kg©Pvix‡ì‡K cÖ`Ë FY I AwMÖg 18,498,189 15,203,337 ev`t Kg©KZ©v/Kg©Pvix‡ì‡K cÖ`Ë FY I AwMÖg Gi wecix‡Z ms’vb (Provision) (264,141) (264,829) 18,234,048 14,938,508

†gvU FY I AwMÖg (i+ii) 101,162,902 90,877,265


12 ¯^Y© I †iŠc¨ ¯Y© 34,092,773 5,110,572 †iŠc¨ 466,118 239,432 34,558,891 5,350,004

2011 '000 UvKvq

2010 '000 UvKvq


174

evsjv‡`k e¨vsK30 Ryb 2011 ZvwiL I mgvß eQ‡ii Avw_©K weeiYxi †bvUmg~n

'000 UvKvq

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w’wZ

PjwZ eQ‡iavh©K…Z AePq/

mgšq

30/06/2011Zvwi‡L AePq

mwÂwZ

30/6/2011Zvwi‡Li w’wZ


30 Ryb 2009 Zvwi‡L f~wg Ges 1 RyjvB 2009 Zvwi‡L ’vcbv cybg©~j¨vqb Kiv n‡q‡Q|* wmweGmwc †m‡ji AvIZvq md&UIqvi I nvW©Iqvi eve` UvKv 691,846 nvRvi K¨vwcUvj IqvK© Bb cÖ‡MÖm wn‡m‡e cybt‡kÖYxKiY Kiv n‡q‡Q Ges UvKv 10,867 nvRvi wb®úwË Kiv n‡q‡Q|

13| m¤úwË, ¯’vcbv I miÄvgvw`

weeiY

AePqe¨q I cybg©~j¨vqb evwnZ g~j¨


PjwZ eQ‡iims‡hvRb

PjwZ eQ‡iiwew�/’vbvšÍi


Rwg

feb

hvwš¿K miÄvgvw`*

Avmeve I miÄvgvw`

†gvUi Mvwo

e`y¨wZK ’vcbv

M¨vm ’vcbv

20,391,193

3,303,048

1,091,730

81,421

58,929

61,045

780

24,988,146

-

46,825

1,317,001

9,597

18,250

24,597

-

1,416,270

-

-

702,713

396

1,211

87

-

704,407

20,391,193

3,349,873

1,706,018

90,622

75,968

85,555

780

25,700,009

-

5%

10%-20%

10%

20%

20%

20%

-

133,849

69,718

8,261

9,354

10,672

156

232,010

-

131,254

26,219

7,943

12,974

12,298

156

190,844

-

265,103

95,937

16,204

22,328

22,970

312

422,854

20,391,193

3,084,770

1,610,081

74,418

53,640

62,585

468

25,277,155

20,391,193

3,169,199

1,022,012

73,160

49,575

50,373

624

24,756,136


175


'000 UvKvq

AePq nvi

01/7/2010Zvwi‡Li

w’wZ PjwZ eQ‡i

avh©K…Z AePq

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* wmweGmwc †m‡ji AvIZvq md&UIqvi I nvW©Iqvi eve` UvKv 691,846 nvRvi K¨vwcUvj IqvK© Bb cÖ‡MÖm wn‡m‡e cybt‡kÖYxKiY Kiv n‡q‡Q Ges UvKv 10,867 nvRvi wb®úwË Kiv n‡q‡Q |

13K mgwš^Z m¤úwË, ¯’vcbv I miÄvgvw`

weeiY

AePqe¨q I cybg©~j¨vqb evwnZ g~j¨


PjwZ eQ‡iims‡hvRb

PjwZ eQ‡iiwew�/’vbvšÍi


Rwg

feb

hvwš¿K miÄvgvw`*

Avmeve I miÄvgvw`

†gvUi Mvwo

e`y¨wZK ’vcbv

M¨vm ’vcbv

21,369,423

4,067,564

2,444,903

118,002

79,929

61,045

780

28,141,646

-

49,629

2,775,737

10,449

18,250

24,597

-

2,878,662

-

-

702,713

396

2,501

87

-

705,697

21,369,423

4,117,193

4,517,927

128,055

95,678

85,555

780

30,314,611

-

5%

10% - 20%

10%

20%

20%

20%

-

517,378

885,605

34,177

26,910

10,672

156

1,474,898

-

159,660

130,422

10,542

12,811

12,298

156

325,889

-

677,038

1,016,027

44,719

39,721

22,970

312

1,800,787

21,369,423

3,440,155

3,501,900

83,336

55,957

62,585

468

28,513,824

21,369,423

3,550,186

1,559,298

83,825

53,019

50,373

624

26,666,748


14 Ab¨vb¨ Af¨šÍixY m¤ú`

cÖvc¨ my` 1,136,342 900,478 AwMÖg cwi‡kva I AvMvg 3,029,251 1,132,125 gRy` 37,288 30,532 AvšÍtkvLv mgš^q (mvm‡cÝ) 8,180 - AeëüZ wmweGmwc Znwej (†bvU 14.1) 30,467 44,356

4,241,528 2,107,491

cÖvc¨ my‡ì GKUv eo Ask 523,652 UvKv A_©eQi 10-G †`Lv‡bv nqwb| GwU c~e©eZ©x eQ‡ii mgš^q wnmv‡e †`Lv‡bv n‡q‡Q|

14.1 wmweGmwc Znwe‡ji eënvi

Kvh©Kix ms‹vi I e¨vcK wfwËK A‡Uv‡gk‡bi gva‡g `ÿZv e„w×i Rb¨ AvBwWGÕi †�wWU bs 3792 wewW Gi mnvqZvq evsjv‡`k e¨vsK wmweGmwc evÍevqb Ki‡Q | G cÖK‡íi †gvU LiP UvKv 38,920.02 jÿ (BDGmwW 55.60 wgwjqb) hvi g‡a AvBwWG UvKv 30,600.04 jÿ (BDGmwW 43.71 wgwjqb) Ges evsjv‡`k e¨vsK UvKv 8,319.98 jÿ (BDGmwW 11.88 wgwjqb) enb Ki‡e| 2003 mv‡ji †k‡l cÖKíwU ïiæ n‡q‡Q Ges 2011 mv‡ji 31 wW‡m¤i G †kl n‡e e‡j AvkvKiv hv‡”Q | cÖKíwUi LiP `yÕevi cybtwba©viY Kiv n‡q‡Q Ges 3q ev‡ii gZ LiP cybt wbavi‡Yi Rb¨ cwiKíbv gš¿Yvj‡q†cÖiY Kiv n‡q‡Q | 30,600.04 jÿ UvKvi g‡a 30 Ryb 2011 ch©šÍ evsjv‡`k e¨vsK 6,965.02 jÿ UvKv mivmwi cwi‡kv‡ai gva‡g Ges 5,484.07 jÿ UvKv cybtfi‡Yi gva‡g AvBwWG n‡Z me©†gvU 12,449.09 jÿ UvKv MÖnY K‡i‡Q | 30 Ryb 2011 ch©šÍ evsjv‡`k e¨vsK D³ Znwe‡ji 12,144.42 jÿ UvKv LiP K‡i‡Q Ges 304.67 jÿ UvKv AeëüZ i‡q‡Q |

14K mgwš^Z Ab¨vb¨ Af¨šÍixY m¤ú`

cÖvc¨ my` 1,174,699 940,706 AwMÖg cwi‡kva I AvMvg 783,997 522,644 gRy` 3,677,858 1,871,550 AvšÍtkvLv mgš^q (Miwgj) 8,180 - AeëüZ wmweGmwc Znwej 30,467 44,356 wewea †`bv`vi 1,122,495 688,769

6,797,696 4,068,025

15 e¨vsK I Avw_©K cÖwZôvbmg~‡ni Rgv

evwYwR¨K e¨vsKmg~‡ni RgvK…Z e‡`wkK gy`ªv 77,665,247 63,675,478 Gwkqvb wK¬qvwis BDwbqb (AvKz) 62,152,637 41,998,579

139,817,884 105,674,057


16 Ab¨vb¨ ê‡`wkK `vq 1,465,192 1,248,274

Rvcv‡bi FY mnvqZv cwi‡kv‡ai D‡Ï‡k¨ Rvcvb miKvi‡K cÖ‡`q A_© Ab¨vb¨ e‡`wkK `vq wnmv‡e cÖ`k©b Kiv n‡q‡Q| Av‡jvP¨ w’wZmg~n †bvU bs 44 I 44K Gi mv‡_ mshy³ †bvUmn cvV‡hvM¨|

2011 '000 UvKvq

2010 '000 UvKvq


176


17 †bvU cÖPjb

evsjv‡`k e¨vs‡Ki Ici `vex‡hvM¨ †bvUmg~n cÖPvwiZ †bvU wnmv‡e Dc’vcb Kiv n‡q‡Q|

30 Ryb 2011 Zvwi‡L cÖPvwiZ †bv‡Ui g~j¨gvbmg~n wbgœiƒc t

†bv‡Ui g~j¨gvb †bvU msL¨v UvKv (Õ000 UvKvq) 5 UvKvi K‡qb 669,684,704 3,348,424 5 UvKvi †bvU 575,554,613 2,877,773 10 UvKvi †bvU 1,017,178,229 10,171,782 20 UvKvi †bvU 163,330,544 3,266,611 50 UvKvi †bvU 127,082,459 6,354,123 100 UvKvi †bvU 637,316,529 63,731,653 500 UvKvi †bvU 724,615,553 362,307,777 1000 UvKvi †bvU 147,099,588 147,099,588 4,061,862,219 599,157,731

cÖPviYK…Z †bv‡Ui wecix‡Z `vq w’wZc‡Î Zv‡`i AwfwnZ g~‡j¨ †`Lv‡bv n‡q‡Q| evsjv‡`k e¨vsK AW©vi, 1972 Abyhvqx G `v‡qi wecix‡Z we`¨gvb m¤ú wb‡gœ †`Lv‡bv n‡jv : Õ000 UvKvq Õ000 UvKvq ¯Y© 6,624,560 5,110,572 †iŠc¨ 466,118 239,432 evsjv‡`‡ki evB‡i Mw”QZ w’wZ 400,000,000 250,000,000 evsjv‡`k miKv‡ii FYcÎ 156,873,028 207,983,702 evsjv‡`k avZe gy`ªv 303,769 235,696 Ab¨vb¨ FY I AwMÖg 34,890,255 35,910,255 599,157,730 499,479,657

Av‡jvP¨ msL¨v mg~n †bvU bs 44 I 44G Gi mv‡_ mshy³ weeiYxmn cvV‡hvM¨|

18 ¯^í‡gqvw` KR©

wifvm© †i‡cv - 15,400,000 evsjv‡`k e¨vsK wej - 5,987,466 - 21,387,466

Av‡jvP¨ msL¨vmg~n †bvU bs 44 I 44G Gi mv‡_ mshy³ weeiYx mn cvV‡hvM¨|

19 e¨vsK I Avw_©K cÖwZôvbmg~‡ni Rgv

ivó«xq gvwjKvbvaxb evwYwR¨K e¨vsK 64,162,728 54,666,129 miKvwi we‡klvwqZ e¨vsK 13,071,525 18,116,901 †emiKvwi e¨vsK 193,494,367 146,218,617 we‡`kx e¨vsK 19,350,914 15,682,851 Avw_©K cÖwZôvb 1,878,499 1,941,266 291,958,033 236,625,764


2011 '000 UvKvq

2010 '000 UvKvq


177


178


20 Ab¨vb¨ ¯’vbxq `vq

miKvwi Rgv 5,047 2,929,545 miKvi‡K cÖ`vb‡hvM¨ DØ„Ë gybvdv (†bvU bs 20.1) 17,355,302 6,666,433 Ab¨vb¨ Rgv 10,136,353 29,404,690 e¨vsK †bvU mgšq wnmve - APj cvwKÍvwb †bvU 3,230 18,540 wewea cvIbv`vi wnmve 2,361,590 1,838,780 ’wMZ my` wnmve 631 631 `vZv ms’vmg~‡ni Rgv 6,911,556 9,368,342 AvšÍtAwdm mgšq - 60,697 ¶z`ª wkí wewb‡qvMKvix‡`i Rb¨ FY wbðqZv ‹xg 248,808 248,808 †cbk‡bi Rb¨ mwÂwZ 2,968,230 2,752,599 Mª¨vPy¨BwU Gi Rb¨ mwÂwZ 1,871,230 1,731,923 QywU bM`vq‡bi Rb¨ mwÂwZ 1,622,507 1,300,003 AvBbMZ `v‡qi Rb¨ mwÂwZ - 9,327 ÿy`ª I gvSvwi wkí Znwej - miKvi 2,631,922 2,087,834 evsjv‡`k miKv‡ii wbKU n‡Z FY (wmweGmwc) 1,433,115 744,586 wWGdAvBwW-Aviwcwc cÖ‡R± 447,048 - Ab¨vb¨ 104,289 133,788

48,100,858 59,296,526

20K mgwš^Z Ab¨vb¨ ¯’vbxq `vq

miKvwi Rgv 5,047 2,929,545 miKvi‡K cÖ`vb‡hvM¨ DØ„Ë gybvdv (†bvU bs 20.1) 17,355,302 6,666,433 Ab¨vb¨ Rgv 10,136,354 29,404,690 e¨vsK †bvU mgšq wnmve - APj cvwKÍvwb †bvU 3,230 18,540 wewea cvIbv`vi wnmve 2,731,741 1,283,660 ’wMZ my` wnmve 631 631 `vZv ms’vmg~‡ni Rgv 6,911,556 9,368,342 AvšÍtAwdm mgšq (’wMZ) - 60,697 ¶z`ª wkí wewb‡qvMKvix‡`i Rb¨ FY wbðqZv ‹xg 248,808 248,808 †cbk‡bi Rb¨ mwÂwZ 2,968,230 2,752,599 Mª¨vPy¨BwU Gi Rb¨ mwÂwZ 1,871,230 1,731,923 QywU bM`vq‡bi Rb¨ mwÂwZ 1,622,507 1,300,003 AvBbMZ `v‡qi Rb¨ mwÂwZ - 9,327 ÿy`ª I gvSvwi wkí Znwej - miKvi 2,631,922 2,087,834 evsjv‡`k miKv‡ii wbKU n‡Z FY (wmweGmwc) 1,433,115 744,586 wWGdAvBwW-Aviwcwc cÖ‡R± 447,048 - wejw¤^Z Ki 604,455 515,487 wewea 104,289 133,788 Ab¨vb¨ - mvewmwWqvix 419,910 743,817

49,495,375 60,000,710

2011 '000 UvKvq

2010 '000 UvKvq


20.1 miKvi‡K cÖ`vb‡hvM¨ DØ„Ë gybvdv

cÖviw¤¢K w’wZ 6,666,433 17,327,506 miKv‡ii wbKU cvIbvi wecix‡Z mgšq (12,855) (600) PjwZ eQ‡i cwi‡kva (†bvU 20.2) (6,107,949) (17,326,906) PjwZ eQ‡ii gybvdvi Ask 16,809,673 6,120,804 weMZ eQ‡ii mgš‡qi †cÖwÿ‡Z cÖ‡`q jf¨vsk - 545,629 mgvcbx w’wZ 17,355,302 6,666,433

evsjv‡`k e¨vsK AW©vi, 1972 Gi 64 bs Aby‡”Q` Abyhvqx, g› I m‡› nRbK F‡Yi wecix‡Z ms’vb, m¤c‡ì AePq, Kg©Pvix‡ì Znwe‡j evwl©K Aby`vb Ges D³ AW©v‡ii wb‡`©kbv Abyhvqx wewfbœ Znwe‡j ’vbvšÍi Ges Ab¨vb¨ ms’vb hv e¨vsK mvaviYZ K‡i _v‡K Zv Kivi ci Aewkó gybvdvi w’wZ miKvi‡K cwi‡kva Kiv n‡q‡Q|

21 g~jab 30,000 30,000

evsjv‡`k e¨vsK AW©vi, 1972 Abyhvqx 30 Ryb 2011 Zvwi‡L evsjv‡`k e¨vs‡Ki Aby‡gvw`Z I cwi‡kvwaZ g~jab 30 wgwjqb UvKv Ges 4(1) I 4(2) b¤i Aby‡”Q` Abyhvqx mgy`q g~jab miKv‡ii Kv‡Q b¨Í|

22 cybg©~j¨vqb mwÂwZ - ¯^Y© I †iŠc¨ 19,919,424 8,798,020

¯Y© I †iŠ‡cï cybg©~j¨vqbRwbZ jvf Avq weeiYx‡Z AšÍf©y³ Kivi ci GwU ¯Y© I †iŠc¨-cybg~©j¨vqb mwÂwZ bvgK GKwU c„_K wnmv‡e ’vbvšÍi Kiv n‡q‡Q|

23 cybg©~j¨vqb mwÂwZ - ê‡`wkK gy`ªv 63,257,814 -

e‡`wkK gy`ªv cybg~©j¨vqbRwbZ jvf e¨vs‡Ki mvgwMÖK Avq weeiYx‡Z AšÍfy©³ Kivi c‡i Zv cyb©g~j¨vqb mwÂwZ-e‡`wkK gy`ªv wnmv‡e ’vbvšÍi Kiv n‡q‡Q|

24 gy`ªvi ZviZg¨ mwÂwZ 17,124,310 10,810,630

e¨vsK e‡`wkK gy`ªv cybg©~j¨vqbRwbZ DmyyjK…Z gybvdv‡K mgwšZ Avq weeiYx‡Z †�wWU K‡i‡Q Ges GKB `dv‡K e‡`wkK gy`ªv ZviZg¨ mwÂwZ bvgK GKwU wnmv‡e (hv BKz¨BwU Gi Ask) ’vbvšÍi K‡i‡Q |

25 wewae× Znwej

cwjø FY Znwej 25.1 4,800,000 4,600,000 K…wlFY w’wZkxjKiY Znwej 25.2 4,800,000 4,600,000 ißvwb FY Znwej 25.3 1,300,000 1,300,000 wkí FY Znwej 25.4 1,587,852 1,437,852 FY wbðqZv Znwej 25.5 879,194 879,194

13,367,046 12,817,046

wewae× Znwejmg~n evsjv‡`k e¨vsK AW©vi 1972 Gi wb‡`©kbv m~‡Î MVb KiZt cÖwZeQi miKv‡ii civgk©�‡ g e¨vs‡Ki gybvdv n‡Z jvf Ave›U‡bi gva‡g cwiPvjbv Kiv n‡”Q|

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20.2


180


25.1 cwjø FY Znwej

evsjv‡`k e¨vsK AW©vi, 1972 Gi 60(1) aviv †gvZv‡eK mgevq e¨vsK, Zdwmjx e¨vsK Ges cwjø FY ms’vmg~n‡K ¯í‡gqvw`, ga‡gqvw` I `xN©‡gqvw` FY I AwMÖg cÖ`v‡bi Rb¨ G Znwej MVb Kiv n‡q‡Q| PjwZ Avw_©K eQ‡i G Znwe‡j UvKv 200 wgwjqb ’vbvšÍi Kiv n‡q‡Q|

25.2 K…wlFY w¯’wZkxjKiY Znwej

evsjv‡`k evvsK AW©vi, 1972 Gi 61 aviv †gvZv‡eK kxl© mgevq e¨vsKmg~n‡K FY I AwMÖg cÖ`v‡bi Rb¨ G Znwej MVb Kiv n‡q‡Q| PjwZ Avw_©K eQ‡i G Znwe‡j 200 wgwjqb UvKv ’vbvšÍi Kiv n‡q‡Q|

25.3 ißvwb FY Znwej

evsjv‡`k e¨vsK AW©vi, 1972 Gi 63 bs aviv †gvZv‡eK ißvwb Kvh©�g mnvqZv Kivi Rb¨ Zdwmjx e¨vsKmg~n Ges Ab¨vb¨ FY`vbKvix cÖwZôvbmg~n‡K ¯í I ga‡gqvw` FY I AvMvg cÖ`v‡bi Rb¨ G Znwej MVb Kiv n‡q‡Q| PjwZ Avw_©K eQ‡i G Znwe‡j †Kvb A_© ’vbvšÍi Kiv nqwb|

25.4 wkí FY Znwej

evsjv‡`k evvsK AW©vi, 1972 Gi 62 aviv †gvZv‡eK kxl© mgevq e¨vsKmg~n‡K FY I AwMÖg cÖ`v‡bi Rb¨ G Znwej MVb Kiv n‡q‡Q| PjwZ A_©eQ‡i UvKv 150 wgwjqb G Znwe‡j ’vbvšÍi Kiv n‡q‡Q|

25.5 FY wbðqZv Znwej

evsjv‡`k e¨vsK AW©vi, 1972 Gi 16 bs avivi 24 bs Dcaviv †gvZv‡eK cwiPvjK cl©‡`i wm×všÍ Abyhvqx Zdwmjx e¨vsKmg~‡ni KzwUi wk‡í ¶z`ª FY cÖ`v‡bi Kvi‡Y m„ó Avw_©K ¶wZ cybf©i‡Yi Rb¨ cÖwZ eQ‡ii gybvdv n‡Z A_© ’vbvšÍ‡ii gva‡g G Znwej MVb Kiv n‡q‡Q| PjwZ Avw_©K eQ‡i G Znwe‡j †Kvb A_© ’vbvšÍi Kiv nqwb|

26 Awewae× mwÂwZ

ÿy`ª I gvSvwi wkí Znwej - e¨vsK 6,000,000 6,000,000 M„nvqb cybA_©vqb Znwej 7,570,000 7,000,000

13,570,000 13,000,000

evsjv‡`k e¨vsK AW©vi, 1972 Gi 16 bs avivi 24 bs Dcaviv †gvZv‡eK ÿz`ª FY I M„nvqb Lv‡Z FY cÖ`v‡bi Rb¨ Zdwmwj e¨vsKmg~n Ges Avw_©K cÖwZôvb mg~n‡K cybA_©vqb Kivi wbwg‡Ë G Znwej MVb Kiv n‡q‡Q| cwiPvjbv cl©‡`i wm×všÍ †gvZv‡eK dvÛ mg~‡n A_© ’vbvšÍi Kiv nq |

27 my` mwÂwZ 7,581,628 6,883,328

2006-07 A_©eQ‡ii Av‡jvP¨ mwÂwZ Avi¤¢ Kiv n‡q‡Q| evsjv‡`k K„wl e¨vsK I ivRkvnx K…wl Dbœqb e¨vs‡Ki †gqv‡`vËxY©F‡Yi AwR©Z my` GLv‡b wnmvevqb Kiv n‡q‡Q| cwiYvg`kx©Zv bxwZi Ici wfwË K‡i G mwÂwZi m„wó Kiv n‡q‡Q|

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28 mvaviY mwÂwZ 4,250,500 4,250,500

evsjv‡`k e¨vsK AW©vi, 1972 Gi 59 b¤i aviv †gvZv‡eK miKvi KZ©„K eivÏK…Z 30 wgwjqb UvKv g~‡jï FYcÎ evsjv‡`k e¨vs‡Ki msiw¶Z Znwej wn‡m‡e msi¶Y Kiv n‡q‡Q| GZØZxZ mvaviY cÖwfkb n‡Z UvKv 4220.5 wgwjqb mvaviY mwÂwZ wnmv‡e ’vbvšÍi Kiv n‡q‡Q|

28K mgwš^Z †Rbv‡ij wiRvf© 4,450,500 4,400,500

29 my` Avq - ê‡`wkK gy`ªv Kvh©� g

e‡`wkK gy`ªv 496,220 426,624 evwYwR¨K e¨vsK mg~‡n ¯í‡gqvw` Rgv 3,333,945 1,468,523 eÛ 5,410,418 1,958,209 BDGm Wjvi †UªRvix wej n‡Z evÆv 278,249 391,593 Ab¨vb¨ 18,611 15

9,537,443 4,244,964

30 Kwgkb Ges evÆv - ê‡`wkK gy`ªv Kvh©� g n‡Z wewbgq Avq 104,433 18,447

31 my` Lv‡Z e¨q - ê‡`wkK gy`ªv Kvh©�‡ gi wecix‡Z

mÂ‡qi Ici my` 139,428 129,072 Gwkqvb wK¬qvwis BDwbqb (AvKz) 56,845 38,521 AvBGgGd‡K cwi‡kva 241,679 271,783 my`-wmweGmwc 10,737 6,500

448,689 445,876

32 Kwgkb Ges Ab¨vb¨ e¨q - ê‡`wkK gy`ªv Kvh©�‡ gi wecix‡Z

AvBGgGd - GmwWAvi aviY e¨q 257,239 96,759 e‡Ûi cybtg~j¨vqbRwbZ ÿwZ 842,578 - AvKz †U‡j· PvR© 184 - e‡`wkK gy`ªv we�qRwbZ ÿwZ 2,954 -

1,102,955 96,759 33 my` Avq - Af¨šÍixY Kvh©� g n‡Z

†UªwWs wmwKDwiwUR 11,885,940 8,002,629 Dcvq I DcKiY wnmve 176,431 58,415 FYcÎ 349,501 367,384 wWgvÛ †jvb I Kg©Pvix AvMvg 3,666,884 3,017,071 †i‡cv 2,905,205 165,149

18,983,961 11,610,648

Av`vq‡hvM¨ my` me©‡gvU UvKv 5,23,652.00 fzjekZt A_© eQi 2010 G wnmvefy³ Kiv nqwb| Bnv c~e©eZx© eQ‡ii mgšq wn‡m‡e †`Lv‡bv n‡q‡Q |

2011 '000 UvKvq

2010 '000 UvKvq


33K mgwš^Z my` Avq-Af¨šÍixY Kvh©� g n‡Z

†UªwWs wmwKDwiwUR 11,885,940 8,002,629 Dcvq I DcKiY wnmve 176,431 58,415 FYcÎ 349,501 367,384 wWgvÛ †jvb I Kg©Pvix AvMvg 3,685,579 3,023,018 †i‡cv †_‡K cÖvß my` 2,905,205 165,149 ¯í‡gqvw` gy`ªv evRv‡i wewb‡qvM n‡Z cÖvß my` 154,224 212,841

19,156,880 11,829,436 34 Kwgkb I evÆv-Af¨šÍixY Kvh©� g n‡Z

Kwgkb 5,655 6,437 Ab¨vb¨ 371,400 478,297

377,055 484,734

35 my` e¨q-Af¨šÍixY Kvh©�‡ gi Ici

evsjv‡`k e¨vsK we‡ji Ici my` 57,401 121,452

36 Kwgkb Ges Ab¨vb¨ e¨q - Af¨šÍixY Kvh©�‡ gi Ici

¯í‡gqvw` K‡R©i Ici cÖ`Ë Kwgkb (wifvm© ‡i‡cv) 72,860 67,214 G‡RÝx LiP 1,587,829 779,014 †UªRvix wej I e‡Ûi Ici AvÛvi ivBwUs Kwgkb 150,052 112,651 wmwWweGj LiP 31,059 19,512

1,841,800 978,391 37 mvaviY I cÖkvmwbK LiP

Kg©Pvix Lv‡Z e¨q (†bvU 37.1) 3,706,783 2,156,584 ’vcbv Ges hš¿cvwZi AePq 188,509 159,556 †bvU gy`ªY 2,071,058 1,434,373 cwiPvjK‡`i wd 299 200 wbix¶K‡`i wd 2,600 2,600 gwbnvix 54,008 44,352 fvov 99,022 87,089 †iwgU¨vÝ †cÖiY 45,830 22,439 ågY LiP 14,871 15,154 Aby`vb 74,638 70,159 `~ivjvcbx 14,168 15,873 gavý Avnvi 169,702 162,794 ÷vd evm 36,747 31,236 †givgZ 88,112 75,426 wewea 599,499 965,644

7,165,846 5,243,479

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182


37.1 Kg©Pvix Lv‡Z evq

†eZb 1,118,682 1,016,038 evwo fvov 432,771 282,596 Kg©Pvix fwel¨ Znwe‡ji Puv`v (105,401) (33,310) †cbkb I Avby‡ZvwlK 999,598 100,145 QywU bM`vqb 490,983 129,258 mvaviY I †cÖiYv †evbvm 527,690 334,518 miKvi‡K cÖ`Ë AvqKi 53,344 41,726 wPwKrmv LiP 139,636 120,937 Ab¨vb¨ Avbylw½K LiP 49,480 164,676

3,706,783 2,156,58437K mgwš^Z mvaviY I cÖkvmwbK LiP

Kg©Pvix Lv‡Z e¨q (†bvU 37K.1) 3,970,768 2,383,834 ’vcbv Ges hš¿cvwZi AePq 324,844 249,756 cwiPvjK‡`i wd 621 416 wbix¶K‡`i wd 2,800 2,800 gwbnvix 54,008 44,352 fvov 140,372 87,089 †iwgU¨vÝ †cÖiY 45,830 22,439 ågY LiP 14,871 15,154 Aby`vb 74,638 70,159 `~ivjvcbx 14,168 15,873 gavý Avnvi 192,740 183,560 ÷vd evm 36,747 31,236 †givgZ 96,235 86,482 KvuPvgvj 1,974,619 1,809,501 WweøDwcwcGd Gi wecix‡Z ms’vb 62,328 50,345 AvqKi 357,582 351,251 wejw¤^Z Ki 88,968 - wewea 625,808 1,032,741

8,077,947 6,436,988 37K.1 Kg©Pvix Lv‡Z e¨q

†eZb 1,249,168 1,125,613 evwo fvov 432,771 282,596 Kg©Pvix fwel¨ Znwe‡ji Puv`v (105,401) (33,310) †cbkb I Avby‡ZvwlK 1,013,454 120,934 QywU bM`vqb 490,983 151,149 mvaviY I †cÖiYv †evbvm 569,493 359,296 miKvi‡K cÖ`Ë AvqKi 53,344 41,726 wPwKrmv LiP 143,858 120,937 Ab¨vb¨ Avbylw½K LiP 123,098 214,893

3,970,768 2,383,834

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183


38 SuywK eë¯’vcbv

(K) Avw_©K SuywK eë¯’vcbv

B›Uvib¨vkbvj wdb¨vbwmqvj wi‡cvwU©s ÷vÛvW© AvBGdAviGm-7 Avw_©K BÝUªy‡g›Umg~‡ni wWm‡K¬vRvit wnmv‡e AšÍf©y³ I A-AšÍf©y³ Dfq cÖKvi Avw_©K BÝUªy‡g‡›Ui Rb¨, Zv‡ì Zvrch© I Kvh©KvixZv, wnmve iÿY bxwZgvjv, ixwZ I c×wZ, bxU cÖK„Z g~j¨ I SuywK mswkøó Z_¨ Ges SyuwK wbqš¿‡Y e¨vs‡Ki bxwZgvjvi Z_¨ wWm‡K¬vRv‡i D‡jøL Kiv n‡q‡Q|

Avw_©K BÝUªy‡g›U ej‡Z H mKj Pyw³‡K eySv‡bv n‡q‡Q hv GKwU cÖwZôv‡bi Rb¨ m¤c` Ges Aci cÖwZôv‡bi Rb¨ `vq ev g~jab| evsjv‡`k e¨vs‡Ki Rb¨ wbw`©ó Avw_©K BÝUªy‡g›Umg~n n‡”Q miKv‡ii wmwKDwiwUR e‡`wkK gy`ªvi `vq, wmwKDwiwUR, FY I AwMÖg, e¨vsK mg~‡ni Rgv, cÖPviYK„Z †bvU Ges Rgv n‡Z D™¢~Z `vq|

bxU evRvi g~j¨ ej‡Z Giƒc g~j¨‡K eySv‡bv n‡q‡Q, hv Øviv cÖ‡qvRbvbyhvqx †Kvb m¤c` nÍvšÍi ev †Kvb `vq wb®cwË Kiv hvq| AewnZ g~‡j¨ A_ev PjwZ evRvi g~‡jï g‡a hv bxU cÖK„Z g~‡jï KvQvKvwQ †mB g~‡j¨ evsjv‡`k e¨vs‡Ki ¯xK„Z BÝUªy‡g›Umg~n †`Lv‡bv n‡q‡Q|

e¨vsK bxwZ wbav©iYx Kv‡R wb‡qvwRZ weavq e¨vs‡Ki SyuwK eë’vcbvi KvVv‡gv Ab¨vb¨ Avw_©K cÖwZôvb n‡Z wfbœZi| e¨vs‡KigyL¨ Avw_©K SuywK mg~‡ni g‡a i‡q‡Q FY SuywK, e‡`wkK gy`ªvi SuywK Ges my‡ì nvi SyuwK| Pvwn`v Abyhvqx e‡`wkK gy`ªv mieivn wbwðZ Kivi j‡ÿ e¨vsK e‡`wkK gy`ªvi wiRvf© I Zvij¨ SuywK n«vm‡KB cÖavb we‡eP¨ wnmv‡e MY¨ K‡i _v‡K| Ab¨vb¨ †K› ªxq e¨vs‡Ki g‡ZvB e¨vs‡Ki KvR cÖavbZ cwiPvjb I mybv‡gi SuywK n«v‡mi gva‡g Gi cÖmvi NUv‡bv|

g~j¨vqb, Z`viwK I eë’vcbvq `„p I Kvh©Ki SuywK eë’vcbv I wbqš¿Y eë’v wbwðZ KivB e¨vs‡Ki j¶| Mfb©i KZ©„K `vwqZ¡cÖvß `ÿ Kg©KZ©vMY wbw`©ó gvÎvi g‡a e¨vs‡Ki ’vbxq gy`ªv, e‡`wkK gy`ªvi wiRvf© eë’vcbv Ges e‡`wkK gy`ªvi †jb‡`b cwiPvjbv K‡i _v‡Kb |

e¨vs‡Ki evwl©K wnmve weeiYxmg~n wbixÿvi Rb¨ evsjv‡`k e¨vsK AW©vi, 1972 65(1) Aby‡”Q` Abyhvqx evsjv‡`k miKvi`ywU ewnt wbixÿK cÖwZôvb wb‡qvM K‡i _v‡K Ges Zv‡ì m¤§vwbI miKvi KZ©„K wba©vwiZ nq| †ev‡W©i AwWU KwgwU KZ©„K e¨vs‡Ki Avw_©K weeiYx Ges AwWU Kvh©�gmg~n ZË¡veavb Kiv n‡q _v‡K Ges D³ KwgwU e¨vs‡Ki Af¨šÍixY AwWU Kvh©�gI Z`viwK K‡i| KwgwU Zv‡ì Kvh©�‡ gi wel‡q †evW©‡K AewnZ K‡i _v‡K |

`¶ I cÖÁvc~Y© eë’vcbvi cÖPjb I wbwðZ Kivi cÖwZ j‡¶ †i‡LB e¨vs‡Ki mvwe©K SuywK eë’vcbv KvVv‡gv cÖYqb Kiv n‡q‡Q| e¨vsK Zvi SuywK eë’vcbv KvVv‡gv‡Z Avw_©K evRv‡ii m‡e©vrK„ó cš’vmg~n Aej¤b K‡i _v‡K| G †bv‡Ui SuywK mswkøó Z_¨ DcvËmg~n evsjv‡`k e¨vs‡Ki w’wZ c‡Î cÖ`Ë Z‡_ï Av‡jv‡K Dc’vcb Kiv n‡q‡Q|

(L) cwiPvjb SuywK

Awb”QvK„Z fyj I Af¨šÍixY wbq‡gi e¨Z¨‡qi Kvi‡Y m„ó Avw_©K ev Abvw_©K ÿwZi SuywK cwiPvjb SyuwKi AšÍf©y³| cwiPvjb SyuwK eë’vcbv‡K e¨vs‡Ki cÖvZ¨wnK Kv‡Ri Awe‡”Q`¨ Ask wnmv‡e we‡ePbv Kiv nq, hvi g‡a e¨vs‡Ki eëmvwqK Kvh©�gI AšÍf©y³| e¨vs‡Ki mvwe©K Kvh©�g cwiPvjbvi Rb¨ mswkøó `¶ Kg©KZ©v wbav©iY Kiv e¨vs‡Ki cwiPvjb SyuwKi AšÍfy©³| e¨vs‡Ki wewfbœ Kvh©�‡ gi ewkó¨ Abyhvqx Zv‡ì YMZ cwigv‡ci wfwË wba©viY Kiv I Zv wbwðZ Kiv Af¨šÍixY wbix¶v KwgwUi KvR| ¯ ¯ wefvM I Af¨šÍixY wbix¶v Kvh©�g cÖvwZôvwbK bxwZ c×wZi cwicvjb wbwðZ K‡i _v‡K|

(M) F‡Yi SuywK

F‡Yi SuywK ej‡Z Pyw³i Aci cÿ KZ©„K Pyw³i kZ©vejx cwicvj‡b e¨_©Zvi gva‡g m„ó SuywK‡K eySv‡bv n‡q‡Q |


184


(N) F‡Yi SuywK eë¯’vcbv

F‡Yi SuywK wbqwgZ fv‡e ch©‡eÿY Kiv n‡q _v‡K| e¨vs‡Ki D×„Ëc‡Î AšÍf©y³ cÖwZwU †k«Yxi Avw_©K m¤ú‡ì SuywK wbiƒcY K‡i Zv cÖkg‡bi Rb¨ e¨vsK KvR K‡i _v‡K| evsjv‡`k e¨vsK mvaviYZ AwZ wbf©i‡hvM¨ c¶mg~‡ni mv‡_ G ai‡bi Kvh©�g K‡i _v‡K weavq G‡¶‡Î e¨vs‡Ki SzuwK Kg|

(O) F‡Yi †K›`ªxKiY

eQi †k‡l eënviKvixi Ici wfwË K‡i e¨vs‡Ki F‡Yi †kÖYxKiY wbgœiƒct

e¨vsK

evsjv‡`k miKvi 313,529,793 217,882,034 Ab¨vb¨ mve©‡fŠg cÖPviYKvix 420,773,646 460,172,743 we‡`kx Avw_©K cÖwZôvb 357,785,246 245,102,308 evsjv‡`‡ki Ab¨vb¨ e¨vsK I Avw_©K cÖwZôvb 192,026,615 136,786,835 Ab¨vb¨ 306,339 242,237

1,284,421,639 1,060,186,157

mgwš^Z evsjv‡`k miKvi 313,529,793 217,882,034 Ab¨vb¨ mve©‡fŠg cÖPviYKvix 420,773,646 460,172,743 we‡`kx Avw_©K cÖwZôvb 357,785,246 245,102,308 evsjv‡`‡ki Ab¨vb¨ e¨vsK I Avw_©K cÖwZôvb 193,147,900 138,730,805 Ab¨vb¨ 582,900 243,260

1,285,819,485 1,062,131,150

eQi †k‡l †`k/AÂ‡ji Ici wfwËK‡i e¨vs‡Ki F‡Yi †k«YxKiY wbgœiƒct

e¨vsK

evsjv‡`k 505,862,747 354,911,106 Gwkqv 306,918,195 173,645,959 gvwK©b hy³ivó« 279,729,592 340,588,331 BD‡ivc 175,961,807 177,309,200 A‡÷ªwjqv 15,949,298 13,731,561

1,284,421,639 1,060,186,157 mgwš^Z

evsjv‡`k 507,260,593 356,856,099 Gwkqv 306,918,195 173,645,959 gvwK©b hy³ivó« 279,729,592 340,588,331 BD‡ivc 175,961,807 177,309,200 A‡÷ªwjqv 15,949,298 13,731,561 1,285,819,485 1,062,131,150

2011 '000 UvKvq

2010 '000 UvKvq


185


186


2011

'000 UvKvqF‡Yi m~PK Avw_©K

m¤ú‡ì % '000 UvKvq Avw_©Km¤ú‡ì %

2010

39 m~PK wfwËK F‡Yi we‡kølY

wb‡Pi mviYxi m¤c` mg~n MOODY'S F‡Yi m~P‡Ki Ici wfwË K‡i Dc’vcb Kiv n‡q‡Q| `xN©‡gqvw` Rgvi †ÿ‡Î GGGGi gva‡g H mKj cÖwZôvb‡K eySv‡bv n‡q‡Q hv‡ì F‡Yi m~PK AZ¨šÍ fv‡jv Ges F‡Yi SuywK Kg; GG H mKj cÖwZôvb hv‡ì F‡Yi m~PK fv‡jv wKš‘ GGG Gi PvB‡Z Kg | GG 1 H mKj cÖwZôvb hv‡ì F‡Yi m~PK GG Gi PvB‡Z Kg, GG 2

n‡”Q GG Gi gv‡Si cÖwZôvbmg~n Ges GG 3 n‡”Q GG Gi wb‡Pi w`‡Ki cÖwZôvbmg~n | wc-1 n‡”Q H mKj cÖwZôvb hviv ¯í‡gqvw` Rgv mg~‡ni `vq ZvrÿwYKfv‡e cwi‡kva Ki‡Z cv‡i Ges G†ì F‡Yi m~PKI fvj |

i) e‡`wkK gy`ªvq Avw_©K m¤c`

†K› ªxq e¨vsKmg~‡n Rgv¯í‡gqvw` wewb‡qvM¯í‡gqvw` wewb‡qvM¯í‡gqvw` wewb‡qvM¯í‡gqvw` wewb‡qvMgvt Wt †U«Rvix wejwe‡`kx eÛwe‡`kx eÛwe‡`kx eÛwe‡`kx eÛwe‡`kx eÛwe‡`kx eÛ¯Y© wewb‡qvMAvBGgGd mswkøó m¤c` Ab¨vb¨

ii) ¯’vbxq gy`ªvq Avw_©K m¤c`

bM` RgvmiKvi‡K cÖ`Ë FY†i‡cv †Z wewb‡qvMwewb‡qvMe¨vsK, Avw_©K cÖwZôvb I Kg©Pvix‡ì‡K cÖ`Ë FY

†gvU Avw_©K m¤c` (i+ii)

wc-1wc-1

GmwU-1GmwU-2GmwU-3wc-1GGGGGGG1GG2GG3

G+,we,wewe,wewewe BZ¨vw`G-1

GbAviGbAvi

GbAviGbAviGbAviGbAviGbAvi

176,508,754 220,590,889

1,969,902 7,742,919

742,329 123,938,249 31,049,276 20,427,291 3,821,290 5,938,632 1,855,823

57,234,331 14,458,023

48,347,972 63,933,212

778,558,892

306,339 313,529,793 84,156,909 7,176,667

100,693,039 505,862,747

1,284,421,639

13.74%17.18%0.15%0.60%0.06%9.65%2.42%1.59%0.30%0.46%0.14%4.46%1.13%3.76%4.98%

60.62%

0.02%24.41%6.55%0.56%7.84%

39.38%100%

204,176,852 199,393,161

3,611,351 10,191,553

695,013 166,666,087 89,329,804

- - - - -

4,612,799 45,592,263 19,434,804

743,703,687

242,237 217,882,034

- 7,730,000

90,650,176 316,504,447

1,060,208,134

19.26%18.81%0.34%0.96%0.07%

15.72%8.43%0.00%0.00%0.00%0.00%0.00%0.44%4.30%1.83%

70.15%

0.02%20.55%0.00%0.73%8.55%

29.85%100%


187


2011

'000 UvKvqF‡Yi m~PK Avw_©K

m¤ú‡ì % '000 UvKvq Avw_©Km¤ú‡ì %

2010

39K. mgwš^Z m~PK wfwËK F‡Yi we‡kølYt

i) e‡`wkK gy`ªvq Avw_©K m¤c`

†K› ªxq e¨vsKmg~‡n Rgv

¯í‡gqvw` wewb‡qvM




gvt Wt †gvU wej

we‡`kx eÛ

we‡`kx eÛ

we‡`kx eÛ

we‡`kx eÛ

we‡`kx eÛ

we‡`kx eÛ

¯Y© wewb‡qvM

AvBGgGd mswkøó m¤c`

Ab¨vb¨

ii) ¯’vbxq gy`ªvq Avw_©K m¤c`

bM` Rgv

miKvi‡K cÖ`Ë FY

†i‡cv †Z wewb‡qvM

wewb‡qvM

e¨vsK, Avw_©K cÖwZôvb I Kg©Pvix‡ì‡K cÖ`Ë FY

†gvU Avw_©K m¤c` (i+ii)

wc-1

wc-1

GmwU-1

GmwU-2

GmwU-3

wc-1

GGG

GG

GG1

GG2

GG3

G+,we,wewe,wewewe

BZ¨vw`

G-1

GbAvi

GbAvi

GbAvi

GbAvi

GbAvi

GbAvi

GbAvi

176,508,754

220,590,889

1,969,902

7,742,919

742,329

123,938,249

31,049,276

20,427,291

3,821,290

5,938,632

1,855,823

57,234,331

14,458,023

48,347,972

63,933,212

778,558,892

582,900

313,529,793

84,156,909

7,828,089

101,162,902

507,260,593 1,285,819,485

13.73%

17.16%

0.15%

0.60%

0.06%

9.64%

2.41%

1.59%

0.30%

0.46%

0.14%

4.45%

1.12%

3.76%

4.97%

60.55%

0.05%

24.38%

6.55%

0.61%

7.87%

39.45%100%

204,176,852

199,393,161

3,611,351

10,191,553

695,013

166,666,087

89,329,804

-

-

-

-

-

4,612,799

45,592,263

19,434,804

743,703,687

243,260

217,882,034

-

9,446,881

90,877,265

318,449,440 1,062,153,127

19.22%

18.77%

0.34%

0.96%

0.07%

15.69%

8.41%

0.00%

0.00%

0.00%

0.00%

0.00%

0.43%

4.29%

1.83%

70.02%

0.02%

20.51%

0.00%

0.89%

8.56%

29.98%100%


188


40 my` nvi SyuwK

my‡ì nvi cwieZ©‡bi Kvi‡Y D™¢~Z SyuwK‡K my` nvi SyuwK ejv nq| e¨vs‡Ki my` nv‡ii AmvgÄm¨Zvi Kvi‡Y `vq I m¤c‡ìcybg©~j¨vq‡bi d‡j my` nvi SzuwK m„wó nq| g~j¨Íi w’wZkxj ivLvi Rb¨ e¨vsK KZ©„K wewfbœ nvwZqvi cÖ‡qv‡Mi gva‡g wewfbœfv‡e gy`ªv bxwZ Aej¤b K‡i _v‡K hv e¨vs‡Ki g~L¨ KvR| e¨vs‡Ki 30 Ryb 2011 ZvwiL wfwËK cybg~©j¨vqbK…Z Pyw³mg~‡ni my` ms‡e`bkxjZvi wel‡q wb‡gœi mviYx‡Z D‡jøL Kiv n‡q‡Q | Avw_©K weeiYx‡Z AšÍf©y³ m¤c`mg~n Zv‡ì evwnZ g~‡j¨ cybg©~j¨vqbK…Z Pyw³i †gqv‡ì wfwË‡Z †kªYxKiYK…Z|

weeiY fvmgvbmy` nvi

30 Ryb 2011Zvwi‡L w’wZ 0-3 gvm 3-12 gvm 1-5 eQi 5 eQ‡ii

AwaK

cybg©~j¨vqb Kvj

(UvKv '000)

fvixZ Momy` nvi

m¤c`ê‡`wkK gy`ªvi Avw_©K m¤cè‡`wkK gy`ªv wnmvee‡`wkK wewb‡qvMAvBGgGd Gi mv‡_ iwÿZ m¤cÀb¨vb¨ e‡`wkK m¤c`

¯’vbxq gy`ªvi Avw_©K m¤c`bM` I bM` mgZyjëvsjv‡`k miKv‡ii IfviW«vdU I †UªRvix wej†i‡cv †Z wewb‡qvM†kqvi I FYc‡Î wewb‡qvMe¨vsK, Avw_©K cÖwZôvb I Kg©Pvix‡ì‡K cÖ`Ë FY


176,508,754 489,768,954 48,347,972 63,933,212 778,558,892

306,339 313,529,793 84,156,909 7,176,667

100,693,039 505,862,747 1,284,421,639

176,508,754 301,345,049

48,299,419 34,243,056 560,396,278

306,339 108,410,272 84,156,909

- 5,069,992

197,943,512 758,339,790

- 83,504,270

- 29,690,076 113,194,346

- 15,000,000

155,000 4,227,529

19,382,529 132,576,875

- 104,919,635

- -

104,919,635

- 75,469,490

5,081,667 28,224,646

108,775,803 213,695,438

- -

48,553 80

48,633

- 114,650,031

- 1,940,000

63,170,872 179,760,903 179,809,536

0.26%1.78%0.36%1.36%

- 5.06%3.43%4.74%3.10%

- - - -

- -

-5%

Î‡qv`k Aavqevsjv‡`k e¨vs‡Ki 2010-2011 A_©eQ‡ii wnmve

189


weeiY fvmgvbmy` nvi


AwaK

cybg©~j¨vqb Kvj

(UvKv '000)

fvixZ Momy` nvi

`vq

ˆe‡`wkK gy`ªvi Avw_©K `vq

AvBGgGd Gi mv‡_ `vq e¨vsK I Avw_©K cÖwZôv‡bi Rgv Ab¨vb¨ e‡`wkK `vq

¯’vbxq gy`ªvi Avw_©K `vq

cÖPviYK„Z †bvU e¨vsK I Avw_©K cÖwZôv‡bi Rgv

†gvU Avw_©K `vq

105,583,852 139,817,884

1,465,192 246,866,928

599,157,730 291,958,033 891,115,763

1,137,982,691

4,804,657 139,817,884

-144,622,541

599,157,730 291,958,033 891,115,763

1,035,738,304

10,446,877 -

10,446,877

- - -

10,446,877

29,848,154 -

29,848,154

- - -

29,848,154

60,484,164 -

1,465,192 61,949,356

- - -

61,949,356

0.21%0.20%

-

- - -

- - -

- - -

mKj ¯xK„Z Avw_©K BÝUªy‡g›Umg~n cybg~©j¨vqb K‡i bxU cªK…Z g~‡j¨ cª`k©b Kiv n‡q‡Q hv BÝUªy‡g›Umg~‡ni Aewkó †gqv` Kv‡ji mgvb |


190


weeiY fvmgvbmy` nvi


AwaK

cybg©~j¨vqb Kvj

(UvKv '000)

fvixZ Momy` nvi

m¤c`

ê‡`wkK gy`ªvi Avw_©K m¤cè‡`wkK gy`ªv wnmvee‡`wkK wewb‡qvMAvBGgGd Gi mv‡_ iwÿZ m¤cÀb¨vb¨ e‡`wkK m¤c`

¯’vbxq gy`ªvi Avw_©K m¤c`

bM` I bM` mgZyj¨miKvi‡K cÖ`Ë FY†i‡cv †Z wewb‡qvMwewb‡qvMe¨vsK, Avw_©K cÖwZôvb I Kg©Pvix‡ì‡K cÖ`Ë FY


176,508,754 489,768,954 48,347,972 63,933,212 778,558,892

582,900 313,529,793 84,156,909 7,828,089

101,162,902 507,260,593

1,285,819,485

176,508,754 301,345,049

48,299,419 34,243,056 560,396,278

582,900 108,410,272

- 585,765

5,069,992 114,648,929 675,045,207

- 83,504,270

- 29,690,076 113,194,346

- 15,000,000

- 709,095

4,227,529 19,936,624133,130,970

- 104,919,635

- -

104,919,635

- 75,469,490

- 5,085,777

28,224,646 108,779,913213,699,548

- -

48,553 80

48,633

- 114,650,031

- 1,447,452

63,640,735 179,738,218179,786,851

0.26%1.78%0.36%1.36%

- 5.06%3.43%5.89%3.11%

- - - -

- -

-5%

40K mgwš^Z my` nvi SuywK


191


weeiY fvmgvbmy` nvi


AwaK

cybg©~j¨vqb Kvj

(UvKv '000)

fvixZ Momy` nvi

`vqmg~nˆe‡`wkK gy`ªvi Avw_©K `vqAvBGgGd Gi mv‡_ `vqe¨vsK I Avw_©K cªwZôv‡bi RgvAb¨vb¨ e‡`wkK `vq†gvU e‡`wkK gy`ªvi Avw_©K `vq

¯’vbxq gy`ªvi Avw_©K `vqcªPviYK„Z †bvUe¨vsK I Avw_©K cÖwZôv‡bi Rgv†gvU ’vbxq gy`ªvi Avw_©K `vq†gvU Avw_©K `vq

105,583,852 139,817,884

1,465,192 246,866,928

599,157,730 291,958,033 891,115,763

1,137,982,691

4,804,657 139,817,884

-144,622,541

599,157,730 291,958,033 891,115,763

1,035,738,304

10,446,877 - -

10,446,877

- - -

10,446,877

29,848,154 - -

29,848,154

- - -

29,848,154

60,484,164

1,465,192 61,949,356

- - -

61,949,356

0.21%0.20%

-

- - -

- - -

- - -

mKj ¯xK„Z Avw_©K BÝUªy‡g›Umg~n cybg©~j¨vqb K‡i bxU cÖK„Z g~‡j¨ cÖ`k©b Kiv n‡q‡Q hv BÝUªy‡g›Umg~‡ni Aewkó †gqv` Kv‡ji mgvb |


192


ê‡`wkK gy`ªvi Avw_©K m¤c`

e‡`wkK gy`ªv wnmve 176,508,754 - - - - 176,508,754 e‡`wkK wewb‡qvM 243,697,048 57,648,001 83,504,270 104,919,635 - 489,768,954 AvBGgGd Gi mv‡_ iwÿZ m¤c` 48,299,419 - - - 48,553 48,347,972 Ab¨vb¨ e‡`wkK m¤c` 31,697,448 2,545,608 29,690,076 - 80 63,933,212

500,202,669 60,193,609 113,194,346 104,919,635 48,633 778,558,892

¯’vbxq gy`ªvi Avw_©K m¤c`

bM` I bM` mgZyj¨ 306,339 - - - - 306,339 miKvi‡K cÖ`Ë FY 107,277,800 1,132,472 15,000,000 75,469,490 114,650,031 313,529,793 †i‡cv †Z wewb‡qvM 84,156,909 - - 84,156,909 †kqvi I FYc‡Î wewb‡qvM - - 155,000 5,081,667 1,940,000 7,176,667 e¨vsK, Avw_©K cÖwZôvb I Kg©Pvix‡ì‡K cÖ`Ë FY 403,348 4,666,644.00 4,227,529.00 28,224,646 63,170,872 100,693,039 192,144,396 5,799,116 19,382,529 108,775,803 179,760,903 505,862,747

A_© ewnf~©Z m¤c`

¯Y© I †iŠc¨ 34,558,891 - - - - 34,558,891 m¤cwË, ’vcbv I miÄvg - - - 1,698,710 23,578,445 25,277,155 g~jabx PjwZ Kvh© - 715,353 - - - 715,353 Ab¨vb¨ ’vbxq m¤ú 3,775,977 8,180 426,904 30,467 - 4,241,528 38,334,868 723,533 426,904 1,729,177 23,578,445 64,792,927 †gvU m¤ú` 730,681,933 66,716,258 133,003,779 215,424,615 203,387,981 1,349,214,566

41 Zvij¨ SuywK

e¨vs‡Ki ˆ bw› b Kvh©vejx cwiPvjbvi Rb¨ cÖ‡qvRbxq Zvi‡jï msKU n‡”Q Zvij¨ SuywK| e¨vsK GB SuywK Kgv‡bvi Rb¨ e‡`wkK m¤c‡ì Zvij¨ eRvq iv‡L| Pzw³i Aax‡b cwi‡kv‡ai †gqv‡ì Ici wfwË K‡i w¯’wZc‡Îi Zvwi‡L e¨vs‡Ki m¤c` I `vqmg~n wbgœiƒct

m¤c` I `vq mg~n wb¤œiƒc mg‡q †gqv`c~wZ© n‡e t

1 gvm ch©š—weeiY 1 n‡Z

3 gvm3 gvm

n‡Z 1 eQi 1 n‡Z 5 eQi 5 eQ‡iiZ`~‡aŸ © †gvU

(UvKv '000)


193


ˆe‡`wkK gy`ªvi Avw_©K `vq

AvBGgGd Gi mv‡_ `vq 2,764,374 2,040,283 10,446,877 29,848,154 60,484,164 105,583,852 e¨vsK I Avw_©K cÖwZôv‡bi Rgv 139,817,884 - - 139,817,884 Ab¨vb¨ e‡`wkK `vq - - - - 1,465,192 1,465,192 142,582,258 2,040,283 10,446,877 29,848,154 61,949,356 246,866,928

¯’vbxq gy`ªvi Avw_©K `vq

cÖPviYK„Z †bvU 599,157,730 - - - - 599,157,730 e¨vsK I Avw_©K cÖwZôv‡bi Rgv 291,958,033 - - - - 291,958,033 891,115,763 - - - - 891,115,763

¯’vbxq gy`ªvi A_© ewnf‚©Z `vq

Ab¨vb¨ ’vbxq `vq 5,047 17,355,302 2,411,351 10,137,282 18,191,876 48,100,858 †gvU `vq 1,033,703,068 19,395,585 12,858,228 39,985,436 80,141,232 1,186,083,549 g~jab I mwÂwZ - - - - 163,131,017 163,131,017 †gvU g~jab I `vq 1,033,703,068 19,395,585 12,858,228 39,985,436 243,272,249 1,349,214,566cv_©K¨ we‡kølYe¨vÛ cÖwZ cv_©K¨ (303,021,135) 47,320,673 120,145,551 175,439,179 (39,884,268) -


3 gvm3 gvm

n‡Z 1 eQi 1 n‡Z 5 eQi 5 eQ‡iiZ`y‡aŸ © †gvU

(UvKv '000)


ˆe‡`wkK gy`ªvq Avw_©K m¤c`

e‡`wkK gy`ªv wnmve 176,508,754 - - - - 176,508,754 e‡`wkK wewb‡qvM 243,697,048 57,648,001 83,504,270 104,919,635 - 489,768,954 AvBGgGd Gi mv‡_ iwÿZ m¤c` 48,299,419 - - - 48,553 48,347,972 Ab¨vb¨ e‡`wkK m¤c` 31,697,448 2,545,608 29,690,076 - 80 63,933,212 500,202,669 60,193,609 113,194,346 104,919,635 48,633 778,558,892

¯’vbxq gy`ªvq Avw_©K m¤c`

bM` I bM` mgZyj¨ 582,900 - - - - 582,900 miKvi‡K cÖ`Ë FY 107,277,800 1,132,472 15,000,000 75,469,490 114,650,031 313,529,793 †i‡cv †Z wewb‡qvM 84,156,909 - - - 84,156,909 †kqvi I FYc‡Î wewb‡qvM 150,552 435,213 709,095 5,085,777 1,447,452 7,828,089 e¨vsK, Avw_©K cÖwZôvb I Kg©Pvix‡`i‡K cÖ`Ë FY 403,348 4,666,644 4,227,529 28,224,646 63,640,735 101,162,902 192,571,509 6,234,329 19,936,624 108,779,913 179,738,218 507,260,593 Ab¨vb¨ A_© ewnf‚©Z m¤c`

¯Y© I †iŠc¨ 34,558,891 - - - - 34,558,891 m¤cwË, ’vcbv I miÄvg - - - 3,592,846 24,920,978 28,513,824 g~jabx Kv‡Ri AMÖMwZ - 723,096 - - - 723,096 Ab¨vb¨ ’vbxq m¤c` 811,976 8,180 5,947,073 30,467 - 6,797,696 35,370,867 731,276 5,947,073 3,623,313 24,920,978 70,593,507 †gvU m¤c` 728,145,045 67,159,214 139,078,043 217,322,861 204,707,829 1,356,412,992

41K mgwš^Z Zvij¨ SuywK


3 gvm3 gvm


(UvKv '000)


194


ˆe‡`wkK gy`ªvi Avw_©K `vq AvBGgGd Gi mv‡_ `vq 2,764,374 2,040,283 10,446,877 29,848,154 60,484,164 105,583,852 e¨vsK I Avw_©K cÖwZôv‡bi Rgv 139,817,884 - - - - 139,817,884 Ab¨vb¨ e‡`wkK `vq - - - - 1,465,192 1,465,192 142,582,258 2,040,283 10,446,877 29,848,154 61,949,356 246,866,928

¯’vbxq gy`ªvi Avw_©K `vq cÖPviYK„Z †bvU 599,157,730 - - - - 599,157,730 e¨vsK I Avw_©K cÖwZôv‡bi Rgv 291,958,033 - - - - 291,958,033 891,115,763 - - - - 891,115,763

¯’vbxq gy`ªvi A_© ewnf‚©Z `vq Ab¨vb¨ ’vbxq `vq 5,047 17,355,302 2,485,688 10,741,737 18,907,600 49,495,374 †gvU `vq 1,033,703,068 19,395,585 12,932,565 40,589,891 80,856,956 1,187,478,065 g~jab I mwÂwZ - - - - 168,934,927 168,934,927 †gvU `vq I BKz¨BwU 1,033,703,068 19,395,585 12,932,565 40,589,891 249,791,883 1,356,412,992 cv_©K¨ we‡kølY e¨vÛ cÖwZ cv_©K¨ (305,558,023) 47,763,629 126,145,478 176,732,970 (45,084,054) -


3 gvm3 gvm


(UvKv '000)


195


196


42 gy`ªv SuywK

gy`ªvi wewbgq nvi cwieZ©‡bi Kvi‡Y gy`ªv SuywK (wewbgq nvi SuywK) m„wó nq, hv cÖZ¨ÿfv‡e e‡`wkK gy`ªvi wiRvf© I wewb‡qvM‡K cÖfvweZ K‡i| evsjv‡`k e¨vs‡Ki e‡`wkK gy`ªvi wiRvf© eë’vcbv I wewb‡qvM Kvh©�g wewb‡qvM KwgwU KZ©„K wbqwš¿Z nq| e‡`wkK gy`ªvi wiRvf© eë’vcbv I wewb‡qvM Kvh©�‡ gi MvBW jvBb Abymv‡i wewb‡qvM KwgwU e‡`wkK gy`ªvi wiRvf© eë’vcbv I wewb‡qvM ms�všÍ wm×všÍ MÖnY K‡i _v‡K| MvBWjvB‡b Aby‡gvw`Z †eÂ gvK© Abyhvqx gy`ªvi Ae’v we‡ePbv K‡i wewb‡qvM, †cvU©‡dvwjIi cwigvY I mgq Kvj we‡ePbv Abymv‡i wewb‡qvM Kiv n‡q _v‡K Ges Zv ˆ wbK/mvßvwnK wfwË‡Z cybtweb¨v‡m cÖ‡qvRbxq eë’v MÖn‡Y eë’vcK/wWjviMY m‡Pó _v‡K|

e‡`wkK gy`ªvq Avw_©K m¤c` I `vq

weeiY gvt Wt mgZzj¨

¯Y© I †iŠc¨ mgZzj¨

BD‡ivmgZzj¨

wRwewcmgZzj¨

B‡qbmgZzj¨

KvtWtmgZzj¨

At Wt mgZzj¨

GmwWAvimgZzj¨

Ab¨vb¨mgZzj¨

m¤c`

Ab¨vb¨ †K› ªxq e¨vsK Ges ewn©we‡k¦ bM` Rgvwe‡`kx evwYwR¨K e¨vs‡K ^í‡gqvw` wewb‡qvM†U«Rvix wejwe‡`kx eÛAb¨vb¨ e¨vs‡Ki FYcÖvße¨ myÀvBGgGd mswkøó m¤c`†gvU

`vq

Ab¨vb¨ e¨vs‡Ki RgvGwmqvb wK¬qvwis BDwbqbAvBGgGd mswkøó `vq`vwi`ª¨ we‡gvPb I cÖe„w× mnvqZvi FYGmwWAvi eivÏAb¨vb¨ - †RwWAvi w’wZ

†gvU bxU

102,483,458 88,534,201

123,938,249 76,496,507 61,387,524 1,504,286

-454,344,225

75,706,138 62,152,637

- - - -

137,858,775 316,485,450

- 14,458,023

- - - - -

14,458,023

- - - - - - -

14,458,023

69,284,125 52,807,283

- 13,441,571

- 588,260

-136,121,239

1,061,587 - - - - -

1,061,587 135,059,652

2,351,457 61,618,308

- 11,027,978

- 83,823

-75,081,566

887,982 - - - - -

887,982 74,193,584

691,258 1,465,193

- - - - -

2,156,451

9,540 - - - -

1,465,192 1,474,732

681,719

673,107 3,485,606

- 4,366,946

- 16,721

-8,542,380

- - - - - - -

8,542,380

966,343 22,754,127

- 14,993,641

- 331,657

-39,045,768

- - - - - - -

39,045,768

- - - - -

20,861 48,347,972 48,368,833

- -

15,756,906 60,641,092 29,185,854

-105,583,852(57,215,019)

59,006 381,321

- - 80 -

440,407

- - - - - - -

440,407


197


43 ms‡e`bkxjZv we‡kølY

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cÖK„Z g~j¨

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evwnZ g~j¨

2011 2010 2011 2010

cÖK…Z g~j¨

Avw_©K m¤cè‡`wkK gy`ªv wnmvee‡`wkK wewb‡qvMAvBGgGd mswkøó m¤cÀb¨vb¨ e‡`wkK m¤c`miKvi‡K cÖ`Ë FY†i‡cv †Z wewb‡qvM†kqvi I Fbc‡Î wewb‡qvMe¨vsK I Avw_©K cÖwZôv‡bi FYbM` I bM` mgZyj¨

Avw_©K `vq

AvBGgGd mswkøó `vqe¨vsK I Avw_©K cÖwZôv‡bi RgvcÖPviYK„Z †bvU¯í‡gqvw` KR© Ab¨vb¨ e‡`wkK `vq

176,508,754 489,768,954 48,347,972 63,933,212

313,529,793 84,156,909 7,176,667

100,693,039 306,339

105,583,852 431,775,917 599,157,730

-1,465,192

204,176,852 474,499,768 45,592,263 19,434,804

217,882,034 -

7,730,000 90,650,176

242,237

88,363,476 342,299,821 499,479,657 21,387,466 1,248,274

176,508,754 489,768,954 48,347,972 63,933,212

313,529,793 84,156,909 7,176,667

100,693,039 306,339

105,583,852 431,775,917 599,157,730

- 1,465,192

204,176,852 474,499,768 45,592,263 19,434,804

217,882,034 -

7,730,000 90,650,176

242,237

88,363,476 342,299,821 499,479,657 21,387,466 1,248,274


198


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Avw_©K `vq

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176,508,754 489,768,954 48,347,972 63,933,212

313,529,793 84,156,909 7,828,089

101,162,902 582,900

105,583,852 431,775,917 599,157,730

- 1,465,192

204,176,852 474,499,768 45,592,263 19,434,804

217,882,034 -

9,446,881 90,877,265

243,260

88,363,476 342,299,821 499,479,657 21,387,466 1,248,274

176,508,754 489,768,954 48,347,972 63,933,212

313,529,793 84,156,909 7,828,089

101,162,902 582,900

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204,176,852 474,499,768 45,592,263 19,434,804

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9,446,881 90,877,265

243,260

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199


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306,339 176,508,754

- 231,046,039

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4,866,643 51,980,206 4,397,260

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- - - - -

14,458,023 - -

- - -

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1,132,472 28,609,521

- - - -

- - - - - -

44,200,016 2,598,807

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120,326,643 48,347,972

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292,612,864 6,353,473

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- - - - -

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-

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306,339 176,508,754

- 231,046,039 123,938,249 14,458,023

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80 2,545,608

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176,510,000 97,277,800

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14,084,721 7,600,024

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77,665,247 62,152,637

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105,583,852 -

77,665,247 62,152,637

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200


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582,900 176,508,754

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4,866,643 51,980,206 4,397,260

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18,234,048 947,855,103 21,537,421

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- -

14,458,023 - -

- - -

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1,132,472 28,609,521

- 1,143,970

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- - - - - -

45,343,986 2,760,964

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- 123,938,249

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-

- -

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7,532 -

582,900 176,508,754

231,046,039 123,938,249 14,458,023

120,326,643 48,347,972

61,387,524 80

2,545,608

10,000,000 176,510,000 97,277,800

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30,651,858

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AvBGgGd mswkøó `vqe¨vsK I Avw_©K cÖwZôv‡bi Rgv :evwYwR¨K e¨vsK mg~‡ni e‡`wkK gy`ªv RgvGwkqvb wK¬qvwis BDwbqb (AvKz)Ab¨vb¨ ê‡`wkK `vqcÖPviYK„Z †bvU e¨vsK I Avw_©K cÖwZôvbmg~‡ni Rgv†gvUcwi‡kvwaZ my`/Kwgkb

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77,665,247 62,152,637

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201


45 m¤¢ve¨ `vq

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w’wZcÎ Zvwi‡L e¨vs‡Ki 4wU AgxgvswmZ gvgjv i‡q‡Q hvi wecix‡Z e¨vs‡Ki m¤¢ve¨ Avw_©K `vq 6.68 wgwjqb UvKv| Avw_©K weeiYx‡Z Gi wecix‡Z †Kvb ms’vb ivLv nqwb| †Kbbv G e¨vcv‡i b¨vq m½Z djvdj wbwðZfv‡e wbiƒcY m¤¢e nqwb|

46 LÊ cÖwZ‡e`b

evsjv‡`k e¨vsK †`‡ki †K› ªxq e¨vsK wn‡m‡e miKv‡ii Avw_©K bxwZ wba©vi‡Ki KvR K‡i| G Kvh©�g‡K Af¨šÍixY (†bvU cÖPviYmn) Ges e‡`wkK gy`ªv evRvi G `yfv‡M fvM Kiv n‡q‡Q| e¨vsK †`‡ki e‡`wkK gy`ªv evRvi Ges wiRvf© wbqš¿‡Ki †¶‡Î miKv‡ii bxwZgvjv evÍevqb K‡i _v‡K| †mg‡Z e¨vs‡Ki w’wZcÎ I Av‡qi weeiYx‡Z `vq I m¤c` Ges Avq I e¨‡qi Kvh©�g‡K e‡`wkK Ges ’vbxq gy`ªvq c„_KxKiY Kiv n‡q‡Q| evsjv‡`k e¨vsK g~jZ MYcÖRvZš¿x evsjv‡`k miKv‡ii †K› ªxq e¨vsK wn‡m‡e KvR Kivq Gi Kvh©�g‡K †fŠMwjKfv‡e c„_KxKiY Kiv nqwb|

47 Aemi myweav cwiKíbv

17 †deªæqvwi 1983 mv‡ji c~‡e© wb‡qvMcÖvß Ges H Zvwi‡Li ci wb‡qvMcÖvß‡ì Rb¨ Avjv`v Aemi myweav ‹xg Pvjy Av‡Q|

47.1 17 †deªæqvwi 1983 mv‡ji c~‡e© wb‡qvMcÖvß‡ì Rb¨ Aemi myweavmg~n

(K) Kg©Pvix fwel¨ Znwej (wmwcGd)

e¨vsK Ges Kg©KZ©v/Kg©PvixMY G dv‡Û A‡_©i †hvMvb †`q hv wewfbœ wmwKDwiwU‡R wewb‡qvM Kiv nq| e¨vsK D³ wewb‡qv‡Mi Ici 12.50% nv‡i Avq cÖ`v‡b A½xKvive×| hw` wewb‡qvM n‡Z Avq Z`v‡c¶v Kg nq †m‡¶‡Î e¨vsK NvUwZ Ask enb Ki‡e|

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G ‹x‡g Aemi MÖn‡Yi mgq Kg©PvixMY cÖwZ eQi PvKzixi Rb¨ `yÕgv‡mi me©‡kl g~j †eZ‡bi mgcwigvY A_© MÖ¨vPzBwU wn‡m‡e †c‡q _v‡Kb|

47.2 17 †deªæqvwi 1983 mv‡ji c‡i wb‡qvM cÖvß‡ì Rb¨ Aemi myweavmg~n

(K) mvaviY fwel¨ Znwej (wRwcGd)

G ‹x‡gi Kg©Pvixe„› Zv‡ì g~j †eZ‡bi wewfbœ nv‡i mswkøó Znwe‡j A‡_©i †hvMvb †`q Ges G Znwe‡ji A_©I wewfbœ wmwKDwiwU‡R wewb‡qvM Kiv nq| e¨vsK G wewb‡qv‡Mi Rb¨ 12.50% nv‡i gybvdv cÖ`v‡bi Rb¨ AsMxKvie×| wewb‡qvM n‡Z Av‡qi cwigvY 12.50% A‡c¶v Kg n‡j e¨vsK NvUwZ Ask enb Ki‡e|

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202


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57 eQi eqm c~wZ©i mgq †h mKj Kg©Pvixi 1 eQ‡ii AwaK QywU Rgv _v‡K Zv‡ì‡K 1 eQi QywU cÖ`vb Kiv n‡q _v‡K| Aewkó QywUi wewbg‡q (m‡e©v”P 12 gvm) A_© cÖ`vb Kiv nq| Aemi MÖn‡Yi mgqmxgvq bv †cuŠQv ch©šÍ †Kvb Kg©Pvix‡K AeëüZ QywUi Rb¨ A_© cÖ`vb Kiv nq bv|

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47.3 wbw`©ó myweav cwiKíbvmg~‡ni GKPy¨qvwiqvj g~j¨vqb

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49 mswkøó c¶mg~n

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e¨vsK Gi ¯vfvweK Kvh©�g cwiPvjbvi Rb¨ mswkøó c¶mg~‡ni mv‡_ †jb‡`b K‡i _v‡K| mswkøó c¶mg~n n‡”Q e¨vs‡Ki cÖK…Z gvwjK Z_v miKvi, wewfbœ miKvwi wefvM Ges miKvi wbqwš¿Z ms’v I cÖwZôvb| evRvi g~‡jï wfwË‡Z mKj †jb‡`b Kvh©Ki nq |

K) evsjv‡`k e¨vsK miKv‡ii †Kvlva¶, e¨vsKvi Ges Avw_©K Dc‡`óv wn‡m‡e f~wgKv iv‡L; e¨vsK miKv‡ii, miKvwi cÖwZwbwai Ges wewfbœ miKvwi cÖwZôv‡bi RgvKviK wnmv‡e KvR K‡i, miKvi I miKvwi wefvMmg~n Ges ms’v mg~n‡K e¨vswKs †mev cÖ`vb K‡i|

L) miKv‡ii cÖwZwbwa wnmv‡e Kvh© m¤úv`‡bi †¶‡Î e¨vsK miKvi Ges miKv‡ii cÖwZwbwa I cÖwZôvbmg~n‡K M¨vivw›U I FY cÖ`vb K‡i _v‡K Ges e‡`wkK gy`ªvi wiRvf© wbqš¿Y K‡i|

M) miKvi Ges miKvi wbqwš¿Z ms’v I cÖwZôvbmg~‡n †mev cÖ`v‡bi wewbg‡q e¨vsK mvaviYZ †Kvb Kwgkb, wd A_ev PvR© Av`vq K‡i bv|

N) miKv‡ii cÖwZwbwa wn‡m‡e e¨vsK miKvwi wmwKDwiwUR Bmy¨ K‡i _v‡K Ges Bmyï AwewjK…Z Ask I e¨vs‡Ki Rb¨ wba©vwiZ Ask wb‡R �q K‡i _v‡K|

O) miKv‡ii cÖwZwbwa wn‡m‡e e¨vsK miKvwi FY I e‡`wkK wiRvf© Gi eë’vcbv K‡i _v‡K|

PjwZ eQ‡i e¨vsK miKv‡ii c‡ÿ 1,449.02 wewjqb UvKv MªnY Ges 1,556.30 wewjqb UvKv cwi‡kva K‡i‡Q| 30 Ryb 2011 Zvwi‡L †gvU e‡Kqv w’wZi cwigvY 313.53 wewjqb UvKv|

49.2 Zvrch©c~Y© wewb‡qvM mswkøó cÿmg~‡ni mv‡_ †jb‡`b

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49.3 Aemi Kj¨vY cwiKíbvq †jb‡`b

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49.4 cwiPvjK cl©` I eë¯’vcbvq wbhy³ m`m¨MY

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M) Wt †gvnv¤§ Zv‡iK - 13 †deª“qvwi 2007 ZvwiL n‡Z cieZ©x Av‡`k bv nIqv ch©šÍ evsjv‡`k e¨vs‡Ki cwiPvjK cl©‡ì cwiPvjK wnmv‡e wbhy³ nb Ges GKB mv‡_ wZwb MYcÖRvZš¿x evsjv‡`k miKv‡ii A_© gš¿Yvj‡qi mwPe c‡` wbhy³ Av†Qb|


204


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P) AavcK mbr Kzgvi mvnv - 11 gvP© 2010 ZvwiL n‡Z wZb eQ‡ii Rb¨ evsjv‡`k e¨vs‡Ki cwiPvjK cl©‡ì cwiPvjK wnmv‡e wbhy³ nb| wZwb ivRkvnx wek¦we`¨vj‡qi cÖv³b AavcK|

Q) Wt mvw`K Avn‡g` - 11 gvP© 2010 ZvwiL n‡Z wZb eQ‡ii Rb¨ evsjv‡`k e¨vs‡Ki cwiPvjK cl©‡ì cwiPvjK wnmv‡e wbhy³ nb| wZwb wek¦e¨vsK, BDGmG Gi cÖv³b cwiPvjK|

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49.5 †kqv‡ii wecix‡Z cwi‡kva

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50 w¯’wZc‡Îi Zvwi‡Li cieZ©x welqmg~n

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gy`ªvbxwZi nvwZqvi (monetary policy instrument) wn‡m‡e eënv‡ii Rb¨ we`¨gvb †i‡cv I wifvm© †i‡cv my`nvi 25 †ewmm c‡q›U evwo‡q h_v�‡ g 6.25 I 4.25 kZvs‡k cybtwba©viY Kiv n‡q‡Q; hv 27 GwcÖj 2011 †_‡K Kvh©Ki n‡e| AwaKš‘ †i‡cv I wifvm© †i‡cv my`nvi‡K 6.25 kZvsk I 4.25 kZvsk †_‡K h_v�‡ g 6.75 kZvsk I 4.75 kZvs‡k cybtwba©viY Kiv nq; hv 15 Ryb 2011 †_‡K Kvh©Ki n‡e|

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(K) .2009 A_©eQ‡i †h mKj Drcv`bKvix-ißvwbKviK cÖwZôvb 3.50 wgwjqb gvwK©b Wjvi ch©šÍ g~‡jï e¿/e¿RvZ mvgMÖx ißvwb K‡i‡Q Ges †Kvb e„nr e¿ wkí cªwZôv‡bi gvwjKvbvaxb b‡n Ggb cªwZôvbmg~n ÿz`ª I gvSvwi e¿ wkí wn‡m‡e msÁvwqZ n‡e| †h mKj ÿz`ª I gvSvwi e¿ wkí cªwZôvb 2010 A_©eQ‡i ißvwbi wfwË‡Z e¿/e¿RvZ mvgMÖx ißvwbi wecix‡Z 5% nv‡i bM` mnvqZv MÖnY K‡i‡Q †mB mKj ÿz`ª I gvSvwi e¿ wkí cÖwZôvb D³ A_©eQ‡ii (2010) ißvwbi wecix‡Z AwZwi³ 5% nv‡i bM` mnvqZv cv‡e|

(L) .AwZwi³ bM` mnvqZv myweav MÖn‡Yi †hvM¨ cÖwZôvbmg~n 2010 A_©eQ‡i ißvwbi wecix‡Z mswkøó Aby‡gvw`Z wWjvi e¨vsK kvLvq c~‡e© `vwLjK…Z c„_K c„_K Av‡e`bc‡Îi Z_¨ GKxf‚Z K‡i Gd, B mvK©yjvi bs-9/2001 Gi mwnZ mshy³ Av‡e`b di‡g Av‡e`bcÎ `vwLj Ki‡Z cvi‡eb| ÿz`ª I gvSvwi e¿ wkí cÖwZôvb wn‡m‡e we‡ewPZ nIqv Ges †Kvb e„nr e¿ wkí cªwZôv‡bi gvwjKvbvaxb bv nIqv m¤ú‡K© wewRGgBG/we‡KGgBG KZ…©K cÖZ¨qb mb` Øviv mgw_©Z †NvlYv cÎ Ges 2009 A_©eQ‡ii ißvwb weeiYx (cÖ‡hvR¨ `wjjvw`mn) Av‡e`bc‡Îi mwnZ `vwLj Ki‡Z n‡e| wewRGgBG I we‡KGgBG KZ…©K mieivnK…Z ZvwjKv Abyhvqx ÿz`ª I gvSvwi e¿ wkí cÖwZôv‡bi AšÍf©y³ cªwZôvbmg~n Av‡jvP¨ myweav cÖvc¨ n‡e|

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(K) wUwUÕi gva‡g AwMÖg g~‡j¨ cwi‡kv‡ai kZ©wU ißvwb FYcÎ/Pzw³c‡Î mywbw`©ófv‡e D‡jøL Ki‡Z n‡e| mswkøó ißvwb c‡Yï mwVK g~j¨ I cwigvY Ges we‡`kx †�Zvi h_v_©Zv/wek¦vm‡hvM¨Zv m¤ú‡K© evsjv‡`k RyU wgjm& G‡mvwm‡qkb KZ…©K Bmy¨K…Z mb` Øviv mgw_©Z n‡Z n‡e|

(L)....wUwUÕi gva‡g AwMÖg g~‡j¨ cÖZ¨vevmb kZ©hy³ ißvwb FYcÎ/Pzw³c‡Îi wecix‡Z ißvwbi †ÿ‡Î Aby‡gvw`Z wWjvi e¨vsK kvLv‡K we‡`kx †�Zvi h_v_©Zv, g~‡jï mwVKZv Ges evsjv‡`k n‡Z cÖK…Z ißvwbi wecix‡Z wUwUÕi gva‡g AwMÖg g~‡j¨ cÖZ¨vevmb m¤ú‡K© wUwU evZ©vi fvl¨ I Ab¨vb¨ KvMRc‡Îi wfwË‡Z wbwðZ n‡q GZ`wel‡q †NvlYv cÖ`vb Ki‡Z n‡e|

(M) D³ myweav cvwKÍvb, fviZ, nsKs I wmsMvcyi e¨ZxZ Ab¨vb¨ †`‡k ißvwbi Rb¨ cÖ‡hvR¨ n‡e|

(N) mvK©yjvi Rvwii ZvwiL n‡Z RvnvRxKiYK…Z c‡Yï †ÿ‡Î ißvwb wej †b‡Mvwk‡qkb/Kv‡jKk‡bi cvkvcvwk wUwUÕi gva‡g AwMÖg g~j¨ cwi‡kva c×wZ Kvh©Ki n‡e|

(O) cvURvZ cY¨ ißvwb Lv‡Z bM` fZy©wK cwi‡kv‡ai †ÿ‡Î cÖ‡hvR¨ mswkøó mKj kZ©vejx AcwiewZ©Z _vK‡e|

Export Retention Quota (ERQ) Gi A¨vKvD›U G RgvK…Z e¨v‡jÝ Gi mØenvi (utilisation of balances) ms�všÍ GFET-2009 bxwZgvjv Abyhvqx (Aavq 13 Gi 29 (1) Aby‡”Q` `ªóe¨) D‡jøL¨ A_© evsjv‡`k e¨vsK‡K AewnZ Kiv QvovB wewfbœ wek¦¯Í eëmvwqK D‡Ï‡k¨ †hgbt eëmvwqK m~‡Î we‡`k ågY; ißvwb †gjv I †mwgbv‡i AskMÖnY; cÖev‡m Awdm ’vcbv I i¶Yv‡e¶Y KvR Ges KuvPvgvj, hš¿cvwZ I LyPiv hš¿vsk Avg`vwbi Rb¨ LiP Kiv hv‡e| GLv‡b D‡jøL¨ †h, Aby‡gvw`Z wWjviMY AvBwU/mdUIq¨vi dvg©‡jvi Aby‡iv‡a e¨vsjv‡`k e¨vs‡Ki c~e© Aby‡gv`b QvovB Av‡e`bKvixi Exporters Retention

Quota (ERQ) A¨vKvD›U †_‡K B›Uvib¨vkbvj Gjv‡qÝ/mdUIq¨vi †iwR‡÷«kb wd, †Wv‡gBb †iwR‡÷«kb/†nvw÷s wd, mvf©vi †gBb‡U‡bÝ wd, A¨vKvD›U †fwiwd‡Kkb/†iwgU¨vÝ †U÷ wd BZ¨vw` cwi‡kv‡ai wbwg‡Ë A_© eënvi Ki‡Z cvi‡e| GLb G g‡g© wm×všÍ M…nxZ n‡q‡Q †h, mvK©yjviwUi 2 bs Aby‡”Q‡` ewY©Z wbw`©ó kZ©mg~n cÖwZcvjb mv‡c‡¶ Aby‡gvw`Z wWjviMY Dc‡iv³ Kvi‡Y AvBwU/mdUIq¨vi dvg©mg~‡ni c‡¶ evwl©K m‡e©v”P 10,000 gvwK©b Wjvi A_©‡cÖiY Ki‡Z cvi‡e| mdUIq¨vi ißvwb EXP c×wZ QvovB WvUv Gw›U«/cÖ‡mwms, BZ¨vw` ms�všÍ ( GFET 2009 Gi Aby‡”Q`-23 (L), Aavq-8) wbw`©ó wKQy kZ©vejx cÖwZcvjbmv‡c‡¶ Aby‡gvw`Z wWjviMY‡K evsjv‡`‡k Kvh©iZ †ewmm ( BASIS) Gi m`m¨ AvBwU/mdUIq¨vi dvg©mg~‡ni AbyK‚‡j m„ó B›Uvi‡bUwfwËK DcvR©b Av`vq Kivi Rb¨ A¨vKyqvwis e¨vsK (acquiring bank) wn‡m‡e KvR Kivi AbygwZ †`qv nj| Dfq †¶‡ÎB

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Aby‡gvw`Z wWjviMY‡K cÖ‡hvR¨ wbqgvejx, AML/CFT, †c‡g›U I wb®úwË wm‡÷g Ges we`¨gvb Ab¨vb¨ cÖvmw½K weavbmg~n †g‡b Pj‡Z n‡e Ges cÖvmw½K Zdwmj weeiYx Abyhvqx wiUvb© †jb‡`‡bi wnmve evsjv‡`k e¨vs‡Ki Kv‡Q †ck Ki‡Z n‡e|

31 RyjvB 2010 ch©šÍ RvwiK…Z Gd, B mvK©yjv‡ii wb‡`©kbv‡jv AšÍfz©³ K‡i MvBWjvBÝ di d‡ib G·‡PÄ UªvbR¨vKkÝ, 2009 Gi 2q LÊ, mswkøó mK‡ji Abymi‡Yi Rb¨ Bmy¨ Kiv n‡q‡Q| Aby‡gvw`Z wWjvi e¨vsK, gvwb †PÄvi mswkøó Ab¨vb¨ mKj‡K AvMvgx Rvbyqvwi 2011 n‡Z A_©vr wW‡m¤^i wiUvb© bZzb ms‹i‡Y DwjøwLZ dig¨vU Abyhvqx `vwLj Kivi Rb¨ wb‡`©kbv †`qv n‡q‡Q| Z‡e, wW‡m¤^i 2010 ch©šÍ A_©vr b‡f¤i 2010 wfwËK gvwmK wiUvb© eZ©gv‡b cÖPwjZ wbq‡g `vwLj Kiv Ae¨vnZ _vK‡e| D‡jøL¨ †h, ms‹iYwU evsjv‡`k e¨vs‡Ki I‡qemvB‡UI (www.bangladeshbank.org.bd) cvIqv hv‡e|

†`‡ki ißvwb evwYR¨‡K DrmvwnZ Kivi j‡ÿ miKvi KZ…©K PjwZ 2010 A_©eQ‡i mswkøó ißvwb Lv‡Z ißvwb fZy©wK/bM` mnvqZv cÖ`v‡bi wm×všÍ M„nxZ n‡q‡Q| D³ wm×v‡šÍi †cÖwÿ‡Z 1 RyjvB 2010 n‡Z 30 Ryb 2011 ZvwiL ch©šÍ mgqKv‡j RvnvRxK…Z cY¨mg~n ißvwbi cÖwZwUi wecix‡Z wb‡gœ ewY©Z nv‡i ißvwb fZz©wK/bM` mnvqZv cwi‡kva n‡et-

1. ißvwbgyLx †`kxq e¿Lv‡Z ïé eÛ I wWDwU Wª-e¨vK Gi cwie‡Z© weKí bM` mnvqZv 5% |

2. †nvMjv, Lo, Av‡Li †Qveov BZ¨vw` w`‡q nv‡Z Zwi cY¨ ißvwb Lv‡Z bM` mnvqZv 15% n‡Z 20% |

3. K…wlcY¨ (kvKmewR/djg~j) I cÖw�qvRvZ (G‡MÖv‡cÖv‡mwms) K…wlcY¨ ißvwb Lv‡Z ißvwb fZz©wK 20% |

4. Avjy ißvwb Lv‡Z bM` mnvqZv 10% |

5. evB-mvB‡Kj ißvwb Lv‡Z bM` mnvqZv 15% |

6. nv‡oi ov ißvwb Lv‡Z bM` mnvqZv 15% |

7. †cvwëª wk‡íi n¨vwPs wWg Ges gyiwMi ev”Pv ißvwb Lv‡Z ißvwb fZyw©K 15% |

8. nvév cÖ‡KŠkj cY¨ ißvwb Lv‡Z fZy©wK 10% |

9. Ck¦i`x Bwc‡RW-G K…wl wfwËK wk‡í wewb‡qvM AvK…óKi‡Y wjKzBW Møy‡KvR ißvwb Lv‡Z fZz©wK 20% |

10. 100% nvjvj gvsm ißvwb Lv‡Z fZz©wK 20% |

11. wngvwqZ wPswo I Ab¨vb¨ gvQ ißvwb Lv‡Z bM` mnvqZv 10% |

12. PvgovRvZ `ªe¨vw` ißvwb Lv‡Z bM` mnvqZv 15% |

13. RvnvR ißvwbi wecix‡Z ißvwb fZz©wK 5% |

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14. wdwbkW †j`vi ißvwbi wecix‡Z ißvwb fZz©wK 4% |

15. �v÷ †j`vi ißvwbi wecix‡Z ißvwb fZz©wK 3% |

16. †cU †evZj-†d¬· ißvwbi wecix‡Z ißvwb fZz©wK 10% |

17. cvURvZ `ªe¨vw` ißvwb Lv‡Z bM` fZy©wK 10% |

ißvwb fZz©wK/bM` mnvqZvi `vwe cwi‡kv‡ai wel‡q cÖ‡hvR¨ mswkøó mKj kZ©vejx AcwiewZ©Z _vK‡e|

ißvwb evwY‡R¨ my‡hvM-myweav evov‡bvi j‡ÿ eZ©gvb ißvwb Dbœqb dv‡Ûi cwigvY 300 wgwjqb gvwK©b Wjvi †_‡K 400 wgwjqb gvwK©b Wjv‡i DbœxZ Kivi wm×všÍ M„nxZ n‡q‡Q|

wØZxq cÖ‡Yv`bv c¨v‡K‡Ri AvIZvq BDGmG, KvbvWv I BBD e¨ZxZ Ab¨ †h †Kvb evRv‡i Zwi †cvkvK/e¿ mvgMÖx Ges evsjv‡`k †U·UvBj wgjm G‡mvwm‡qkb (wewUGgG) Gi m`m¨ wg‡j Drcvw`Z cÖZ¨ÿ myZv †h †Kvb evRv‡i ißvwbi wecix‡Z wØZxq cÖ‡Yv`bv c¨v‡K‡Ri AvIZvq ÔbZzb evRvi m¤úªmviY mnvqZvÕ cÖ‡`q n‡e| D³ myweav 1 RyjvB 2009 n‡Z 30 Ryb 2012 ZvwiL ch©šÍ mgqKv‡j RvnvRxK…Z c‡Yï †ÿ‡Î cÖ‡hvR¨ n‡e| mKj †ÿ‡Î ißvwb c‡Yï g~j¨ e‡`wkK gy`ªvq cÖZ¨vevm‡bi ci bxU GdIwe g~‡jï Dci ÔbZzb evRvi m¤úªmviY mnvqZvÕ wnmvevqb Ki‡Z n‡e|

miKvwi wm×všÍ Abyhvqx wØZxq cÖ‡Yv`bv c¨v‡K‡Ri AvIZvq ÿz`ª I gvSvwi e¿wkí cÖwZôvbmg~n hviv 2009 A_©eQ‡i 3.50 wgwjqb gvwK©b Wjvi ch©šÍ ißvwb K‡i‡Q Ges 2010 A_©eQ‡i AwZwi³ 5 kZvsk nv‡i bM` mnvqZv †fvM K‡i‡Q 2011 A_©eQ‡i D³ myweavmg~n wb‡gœv³ kZ©vax‡b envj _vK‡et

K) e‡ÛW Iq¨vinvDm/wWDwU Wª-e¨vK MÖnY bv Kivi welqwU h_vixwZ envj _vK‡e|

L) †`kxq myZv/Kvco eënvi Ki‡Z n‡e |

M) G mKj ÿz`ª I gvSvwi e¿wkí cÖwZôvb †Kvb e„nr cªwZôv‡bi AsM cÖwZôvb n‡e bv |

N) GdIwe g~‡jï cwie‡Z© ’vbxq g~j¨ ms‡hvRb we‡ePbvq wbY©xZ (Gd,B mvK©yjvi bs-09/2001 Gi mv‡_ ms‡hvwRZ di‡gi wnmvevqb †gvZv‡eK) g~‡jï Ici bM` mnvqZv cÖ‡`q n‡e|

O) †h mKj ÿz`ª I gvSvwi e¿ wkí cªwZôvb FY cybtZdwmwjKi‡Yi myweav MÖnY K‡i‡Q †m mKj cÖwZôvbI Av‡jvP¨ myweav cv‡e|

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42628

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0.4

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4.1

1.8

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1.7

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41.0

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10750

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47536

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1.9

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16.9

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3.7

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10912

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71.2

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53236

19.6

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1.5

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0.9

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17.7

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0.9

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nvi

Lv`¨ Lv`¨mvaviYLv`¨-ewnf©~Z Lv`¨-ewnf©~Z

fvi 100.00 58.84 41.16 100.00 58.84 41.16

A_©eQi 02

A_©eQi 03

A_©eQi 04

A_©eQi 05

A_©eQi 06

A_©eQi 07

A_©eQi 08

A_©eQi 09

A_©eQi 10

A_©eQi 11

A_©eQi 11

RyjvB 10

AvM÷ 10

†m‡Þ¤î 10

A‡±vei 10

b‡f¤î 10

wW‡m¤î 10

Rvbyqvwi 11

†deªæqvwi 11

gvP© 11

GwcÖj 11

†g 11

Ryb 11

130.26

135.97

143.90

153.24

164.21

176.04

193.54

206.43

221.53

241.02

222.82

224.18

225.58

226.85

228.25

229.78

231.46

233.27

235.22

237.20

239.10

241.02

2.79

4.38

5.83

6.49

7.16

7.20

9.94

6.66

7.31

8.80

7.63

7.87

8.12

8.12

8.14

8.13

8.14

8.21

8.36

8.54

8.67

8.80

132.43

137.01

146.50

158.08

170.35

184.16

206.78

221.64

240.55

267.83

242.23

244.12

246.05

247.77

249.74

251.96

254.36

256.93

259.72

262.60

265.26

267.83

1.63

3.46

6.93

7.90

7.76

8.11

12.28

7.19

8.53

11.34

8.98

9.38

9.78

9.83

9.98

10.12

10.24

10.40

10.67

11.00

11.20

11.34

127.89

135.13

141.03

147.14

156.56

165.79

176.26

186.67

196.84

205.01

197.62

198.23

198.83

199.45

200.00

200.54

201.17

201.89

202.60

203.26

204.06

205.01

4.61

5.66

4.37

4.33

6.40

5.90

6.32

5.91

5.45

4.15

5.54

5.47

5.41

5.31

5.04

4.73

4.51

4.37

4.27

4.14

4.11

4.15

132.19

138.84

146.67

157.45

169.32

184.89

203.45

208.02

226.11

249.11

229.55

233.31

236.53

238.68

238.89

240.75

242.48

244.28

245.97

246.24

246.39

249.11

3.58

5.03

5.64

7.35

7.54

9.20

10.04

2.25

8.70

10.17

7.26

7.52

7.61

6.86

7.54

8.28

9.04

9.79

10.49

10.67

10.20

10.17

133.20

140.15

149.46

162.51

176.82

194.19

221.57

222.13

246.29

277.11

251.59

257.44

262.23

265.16

265.22

268.19

270.44

272.57

274.99

275.02

273.95

277.11

1.94

5.22

6.64

8.73

8.81

9.82

14.10

0.25

10.88

12.51

8.72

9.64

9.72

8.43

9.80

11.01

11.91

12.77

13.87

14.36

13.16

12.51

131.55

137.70

143.56

151.20

159.86

173.19

179.32

189.98

199.94

211.39

200.65

201.46

202.29

203.03

203.43

203.71

204.88

206.15

206.65

207.23

209.24

211.39

6.14

4.68

4.26

5.32

5.73

8.34

3.54

5.94

5.24

5.73

4.87

3.76

3.69

3.82

3.33

3.27

3.85

4.36

4.32

3.97

4.78

5.73

Drm t evsjv‡`k cwimsL¨vb ey¨‡iv|


237

mviYx 9 t wiRvf© gy`ªv I Zvi Dcv`vbmg~n

1 2 3 4 5 6=(2+3+4+5)

A_©eQi(Ryb †k‡l)

RbM‡Yi nv‡Z _vKv Kv‡iÝx †bvU I gy`ªv

Zdwmwj e¨vsKmg~n KZ…©K

iw¶Z bM` A_©

Zdwmwj e¨vsKmg~n KZ…©K evsjv‡`ke¨vs‡K Rgv *

Ab¨vb¨ Avw_©K cÖwZôvbKZ…©K evsjv‡`k

e¨vs‡K Rgv wiRvf© gy`ªv

19951996199719981999200020012002200320042005200620072008200920102011

65.771.275.781.586.9

101.8114.8125.3139.0158.1185.2228.6266.4326.9360.5461.6548.0

6.27.88.89.2

10.310.913.513.514.414.818.120.321.429.634.043.157.3

34.431.039.445.450.358.061.096.489.688.990.4

124.4152.2170.3298.0298.4367.7

-------

0.10.10.20.40.50.71.11.42.02.0

106.3110.0123.9136.1147.5170.7189.3235.3243.1262.0294.1373.8440.7527.9693.9805.1975.0

Drm t cwimsL¨vb wefvM, evsjv‡`k e¨vsK|* d‡ib Kv‡iÝx wK¬qvwis GKvD‡›U Rgvmn|

(wewjqb UvKv)


238

mviYx 10 t wiRvf© gy`ªv I Zvi Drmmg~n

evsjv‡`k e¨vs‡Ki `vwe(wewjqb UvKv)

A_©eQi(Ryb †k‡l) miKvi

(bxU)Zdwmwj

e¨vsKmg~n

Ab¨vb¨†emiKvwi

cÖwZôv‡b Rgv

bxUˆe‡`wkKm¤ú`

Ab¨vb¨m¤ú`(bxU)

wiRvf© gy`ªv†gvU

Ab¨vb¨miKvwi ms¯’v IAvw_©K cÖwZôvb

1 2 3 4 5 6=(2+3+4+5) 7 8 9=(6+7+8)

19951996199719981999200020012002200320042005200620072008200920102011

12.530.444.952.963.681.0

101.1128.373.5

118.5156.7250.3259.3260.0289.6223.2320.5

27.334.136.037.546.242.943.747.348.558.561.363.564.473.368.566.1

186.1

10.611.911.914.013.713.213.012.812.812.411.110.29.99.58.58.37.8

0.20.20.20.28.19.09.9

10.111.412.413.414.315.817.020.225.931.4

50.676.693.0

104.6131.6146.1167.7198.5146.2201.8242.5338.3349.4359.8386.8323.5545.8

87.753.049.253.046.256.748.172.3

118.1135.4146.9186.5287.7328.3432.4612.0313.9

-32.0-19.6-18.2-21.5-30.3-32.1-26.5-35.5-21.2-75.2-95.3

-150.9-196.4-160.2-125.3-130.4-184.7

106.3110.0124.0136.1147.5170.7189.3235.3243.1262.0294.1373.9440.7527.9693.9805.1675.0

Drm t cwimsL¨vb wefvM, evsjv‡`k e¨vsK|


239

mviYx 11 t miKvwi Ges †emiKvwi Lv‡Zi AvgvbZmg~n

(wewjqb UvKv)


Zjwe AvgvbZ1/ †gqvw` AvgvbZ1/

1 2 3 4 5 6 7

199419951996199719981999200020012002200320042005200620072008200920102011

kZKiv Ask199419951996199719981999200020012002200320042005200620072008200920102011

15.416.015.117.919.520.523.726.423.726.527.135.238.142.249.557.561.887.8

23.420.818.220.521.620.520.920.718.018.316.618.117.116.216.317.013.616.7

50.561.067.769.570.779.489.7

100.9108.2118.1136.0158.9183.9218.8254.9280.3393.0439.3

76.679.281.879.578.479.579.179.382.081.783.481.982.983.883.783.086.483.3

65.977.082.887.490.299.9

113.4127.3131.9144.6163.1194.1222.0261.0304.4337.8454.8527.1

100.0100.0100.0100.0100.0100.0100.0100.0100.0100.0100.0100.0100.0100.0100.0100.0100.0100.0

69.879.687.284.796.2

106.3117.3131.8134.9157.3184.2223.3255.1298.7364.8442.7537.1677.0

25.525.225.922.322.421.619.919.117.117.117.518.117.417.518.118.118.418.9

203.6235.8249.3294.3332.5386.2471.3557.0653.3763.9865.9

1008.41212.91409.81647.62005.62374.52900.4

74.574.874.177.777.678.480.180.982.982.982.581.982.682.581.981.981.681.1

273.4315.4336.5379.0428.7492.5588.6688.8788.2921.2

1050.11231.71468.01708.52012.42448.32911.63577.4

100.0100.0100.0100.0100.0100.0100.0100.0100.0100.0100.0100.0100.0100.0100.0100.0100.0100.0

Drm t cwimsL¨vb wefvM, evsjv‡`k e¨vsK|1/ AvšÍte¨vsK †jb‡`b ev‡`|2/ miKvwi cÖwZôv‡bi AvgvbZmn|3/ I‡qR Avb©vm© AvgvbZmn|

miKvwi2/ †emiKvwi †gvU miKvwi2/ †emiKvwi3/ †gvU


240

mviYx 12 t Zdwmwj e¨vsKmg~‡ni wbe©vwPZ cwimsL¨vb

weeiY

1 2 3 4 5 6 7 8

1| e¨vsK AvgvbZ (AvšÍte¨vsK †jb‡`b ev‡`) (K) Zjwe AvgvbZ

(L) †gqvw` AvgvbZ

(M) wbqwš¿Z AvgvbZ

(N) miKvwi AvgvbZ

2| evsjv‡`k e¨vsK n‡Z avi

3| wm›`y‡K iw¶Z bM` Znwej

4| evsjv‡`k e¨vs‡K iw¶Z Rgv (ˆe‡`wkK gy`ªv Rgvmn)

5| evsjv‡`‡k Ab¨vb¨ e¨vs‡K iw¶Z Rgv

6| Pvwnev gvÎ I ¯^í †gqv‡` †diZ‡hvM¨ A_©

7| †gvU wewb‡qvM@ (K) miKv‡ii FYcÎ I †UªRvix wej*

(L) Ab¨vb¨

8| e¨vsK FY (AvšÍte¨vsK †jb‡`b I ˆe‡`wkK wej ev‡`) (K) evsjv‡`‡k cÖ`Ë AvMvg**

(L) Af¨šÍixY � qK…Z Ges evÆvK…Z wejmg~n

9| FY/AvgvbZ AbycvZ (we‡klvwqZ e¨vsKmg~n ev‡`)

1426.1168.5

1160.4

0.3

96.9

56.0

18.1

93.7

51.7

11.1

187.4169.3

18.1

1171.51088.6

82.9

0.8

1690.1197.4

1380.2

0.2

112.3

70.5

20.3

137.6

37.4

7.7

168.8150.5

18.3

1420.81277.7

143.1

0.9

1970.1234.6

1613.4

0.5

121.6

57.4

21.4

152.7

49.6

8.7

223.1194.4

28.7

1614.21449.6

164.6

0.8

2317.3270.5

1889.5

0.5

156.8

66.8

29.6

167.1

55.9

22.3

379.3343.2

36.1

1928.71790.9

137.8

0.8

2786.8302.3

2300.7

0.7

183.1

61.0

34.0

287.7

74.4

20.8

486.5427.5

59.0

2197.02079.9

117.1

0.8

3368.7416.2

2750.4

0.3

201.8

58.5

43.1

308.8

94.1

36.5

581.4465.4

116.0

2719.32578.6

140.7

0.8

4104.8481.1

3374.2

0.3

249.2

178.3

57.3

384.0

104.3

32.1

756.5614.5

142.0

3407.83197.4

210.4

0.8

Drm t cwimsL¨vb wefvM, evsjv‡`k e¨vsK|@ miKvi KZ©…K Bmy¨K…Z eÛmg~n G‡Z AšÍf©y³|* miKvwi wmwKDwiwUR Ges †UªRvix wejmg~n e¨q g~‡j¨ †`Lv‡bv n‡q‡Q|** AwMÖgmg~n MÖm wfwË‡Z|

30 Ryb2005

30 Ryb2006

30 Ryb2007

30 Ryb2008

30 Ryb2009

30 Ryb2010

30 Ryb2011


241

1 2 3 4 5 6 7 8

e¨vsK †iU†UªRvix wej †iU 28-w`b 91-w`b 182-w`b 364-w`bKj gvwb †iU MÖnY cÖ`vbZdwmwj e¨vsKmg~‡ni my`nvi AvgvbZ AvMvg

5.0

6.66.76.87.0

6.86.8

5.610.9

5.0

7.17.47.88.3

11.0611.06

6.712.1

5.0

7.37.67.98.5

7.87.8

6.912.8

5.0

7.37.67.98.5

9.79.7

7.012.3

5.0

--6.8m

7.8m

8.3m

1.71.7

7.011.9

5.0

--2.2m

3.6m

4.6m

6.66.6

6.011.3

5.0

--5.65.56.2

10.910.9

7.3mv

12.4mv

Drm t 1) cwimsL¨vb wefvM, evsjv‡`k e¨vsK| 2) gwbUvix cwjwm wWcvU©‡g›U, evsjv‡`k e¨vsK|* fvixZ-Mo, e¨vsK †iU Qvov|m= ms‡kvwaZ, mv= mvgwqK|

A_©eQi 05 A_©eQi 06 A_©eQi 07 A_©eQi 08 A_©eQi 09 A_©eQi 10 A_©eQi 11

mviYx 13 t wbe©vwPZ my‡`i nv‡ii* MwZaviv (eQi †k‡l)


242

mviYx 14 t e¨vsK eë¯’v †_‡K M„nxZ miKv‡ii F‡Yi weeiY

� wgKbs

†UªRvix wej/eÛ/ wmwKDwiwU‡Ri bvg D‡Ïk¨

1 2 3 4 5

evsjv‡`k e¨vsK

1| Dcvq-DcKiY AvMvg

2| IfviWªvd&U

3| wWfj&f‡g›U

K) †UªRvix wej

L) †UªRvix eÛ

4| IfviWªvdU eøK

5| miKv‡ii gy`ªv `vq

6| ¯^vqËkvwmZ I Avav-¯^vqËkvwmZ cÖwZôvbmg~n‡K cÖ`Ë AvMvg

7| cywÄZ my`

8| miKvwi AvgvbZ1/ (-)

(A) †gvU t (1 +...+ 8)

AvgvbZ MÖnYKvix e¨vsKmg~n (DMBs)

1| Mfb©‡g›U †UªRvix wej (1-eQi A‡c¶v Kg)

2| wewfbœ †gqv‡ì miKvwi eÛ (K+L)

K) 1-eQi I Zvi †ewk wKš‘ 5-eQ‡ii Kg †gqv‡ì

1| kZKiv 7.0 fvM my`hy³ 3-eQi †gqvw` (wUGÛwU)

†UªRvix eÛ-2007, 2008, 2009 I 2010

2) kZKiv 5.0 fvM my`hy³ 3-eQi †gqvw`

(c~evjx e¨vsK) †UªRvix eÛ-2010

3) kZKiv 5.0 fvM my`hy³ 2 eQi I 3-eQi †gqvw`

evsjv‡`k †c‡Uªvwjqvg K‡c©v‡ikb (wewcwm) †UªRvix eÛ

4) kZKiv 5.0 fvM my`hy³ 3-eQi †gqvw` wngvwqZ Lv`¨ †UªRvix eÛ

0.00

0.00

26.37

1.49

24.88

191.51

5.42

0.05

0.00

-0.14

223.21

94.41

370.69

10.54

0.36

0.19

10.00

0.00

10.00

97.28

29.74

1.13

28.61

176.51

6.42

0.05

0.68

-0.18

320.50

123.75

490.79

0.37

0.00

0.00

0.00

0.37

(wewjqb UvKv)

miKvwi bM` A_© e„w×

miKvwi bM` A_© e„w×

wWwRUvj †Uwj‡dvb jvBb ¯’vc‡b A_©vqb

evsjv‡`k K…wl Dbœqb K‡c©v‡ikb Gi FY cwi‡kva

evsjv‡`k †c‡Uªvwjqvg K‡c©v‡ikb Gi FY cwi‡kva

wngvwqZ Lv`¨ wk‡í FY cwi‡kva

30 Ryb 2010-G

w¯’wZ

30 Ryb 2011-G

w¯’wZ


243

mviYx 14(mgvß) t e¨vsK e¨e¯’v †_‡K M„nxZ miKv‡ii F‡Yi weeiY

� wgKbs

†UªRvix wej/eÛ/ wmwKDwiwU‡Ri bvg D‡Ïk¨vejx30 Ryb

2010-Gw¯’wZ

30 Ryb2011-G

w¯’wZ

1 2 3 4 5

L) 5-eQi I Zvi †ewk †gqv‡`i1) 5-eQi †gqvw` evsjv‡`k Mfb©‡g›U †UªRvix eÛ2) kZKiv 5.0 fvM my`hy³ 5-eQi †gqvw` †Kvwnbyi e¨vUvix g¨vbyt cÖvB‡fUvB‡Rkb †UªRvix eÛ-20123) kZKiv 5.0 fvM my`hy³ 5-eQi (weGmGdAvBwm) †gqvw` †UªRvix eÛ-20124) my`gy³ 6-eQi (we‡RGgwm Ges wewUGgwm) †gqvw` †UªRvix eÛ-20165) my`gy³ 7-eQi (we‡RGgwm Ges wewUGgwm) †gqvw` †UªRvix eÛ-20176) my`gy³ 10-eQi (we‡RGgwm Ges wewUGgwm) †gqvw` †UªRvix eÛ-20207) 10-eQi †gqvw` evsjv‡`k Mfb©‡g›U †UªRvix eÛ8) 15-eQi †gqvw` evsjv‡`k Mfb©‡g›U †UªRvix eÛ9) 20-eQi †gqvw` evsjv‡`k Mfb©‡g›U †UªRvix eÛ10) kZKiv 5.0 fvM my`hy³ 15-eQi †gqvw` GwMÖKvjPvi †UªRvix eÛ-201111) kZKiv 5.0 fvM my`hy³ 25-eQi †gqvw` †UªRvix eÛ-201812) kZKiv 5.0 fvM my`hy³ 25-eQi †gqvw` †UªRvix eÛ-201913) kZKiv 5.0 fvM my`hy³ 25-eQi †gqvw` †UªRvix eÛ-2020

14) kZKiv 5.0 fvM my`hy³ 5 eQi I Gi AwaK eQi †gqvw` evsjv‡`k †c‡Uªvwjqvg K‡c©v‡ikb (wewcwm) †UªRvix eÛ3| cÖvBR eÛ/ BbKvg U¨v· eÛ4| miKvwi Ab¨vb¨ eÛ/ wmwKDwiwUR5| Dc-‡gvU t (1+...+4)6| Lv`¨ gš¿Yvjq‡K cÖ`Ë AvMvg7| Ab¨vb¨ gš¿Yvjq Ges ¯^vqËkvwmZ I Avav-¯^vqËkvwmZ cÖwZôvbmg~n‡K cÖ`Ë AvMvg8| cywÄZ my`9| miKv‡ii Mw”QZ AvgvbZ (-)

(Av) †gvU t (5+...+9)me©‡gvU (e¨vswKs LvZ n‡Z miKv‡ii M„nxZ bxU FY) t (A+Av)

wewfbœ cÖwZôv‡bi `xN©‡gqvw` wewb‡qvM e„w×†Kvwnbyi e¨vUvix g¨vbyd¨vKPvwis †Kv¤úvbx†emiKvwiKi‡Y A_©vqb

RbZv e¨vs‡K weGmGdAvBwm Gi FY cwi‡kva

we‡RGgwm Ges wewUGgwm Gi FY cwi‡kva

we‡RGgwm Ges wewUGgwm Gi FY cwi‡kvawe‡RGgwm Ges wewUGgwm Gi FY cwi‡kva

wewfbœ cÖwZôv‡bi `xN©‡gqvw` wewb‡qvM e„w×wewfbœ cÖwZôv‡bi `xN©‡gqvw` wewb‡qvM e„w×wewfbœ cÖwZôv‡bi `xN©‡gqvw` wewb‡qvM e„w×

we‡Kwe Gi K…wl FY Ae‡jvcbRwbZ NvUwZ c~iY

cvU Lv‡Zi F‡Yi †jvKmvb cybf©iY

cvU Lv‡Zi F‡Yi †jvKmvb cybf©iY†emiKvwi e¨vsKmg~‡ni cvU Lv‡Z Ae‡jvcbK…Z F‡Yi GK-Z…Zxqvsk cybf©iY

evsjv‡`k †c‡Uªvwjqvg K‡c©v‡ikb Gi FY cwi‡kvamiKvwi bM` A_© e„w× miKvwi bM` A_© e„w×

360.15113.27

0.10

0.21

0.00

0.000.00

133.7531.8520.70

1.45

1.95

1.35

0.28

55.230.280.02

465.403.52

27.9025.72

-201.81320.72543.92

490.42155.13

0.10

0.21

3.39

1.352.04

181.2351.8736.72

0.00

1.72

1.19

0.25

55.230.270.02

614.845.76

20.1522.32

-249.20413.86734.36

(wewjqb UvKv)

†bvU t Rvbyqvwi 2006 †_‡K e‡Ûi DcvËmg~n K÷ f¨vjy‡Z MYbv Kiv n‡”Q,1/ BAviwWÕi AvgvbZ AšÍf©y³|Drm t K) gwbUvwi mv‡f©, cwimsL¨vb wefvM, evsjv‡`k e¨vsK| L) evsjv‡`k e¨vsK G‡dqvm©, GKvD›Um GÛ ev‡RwUs wWcvU©‡g›U, evsjv‡`k e¨vsK| M) miKv‡ii M„nxZ F‡Yi w¯’wZ, †WU g¨v‡bR‡g›U wWcvU©‡g›U, evsjv‡`k e¨vsK|


244

mviYx 15 t miKv‡ii e¨vsK ewnf©~Z FY (bxU)

(wewjqb UvKv)A_©eQi 10m A_©eQi 11mv

� wgKbs

cÖK‡íi bvgwe� q we� qbxU

we� qbxU

we� qcwi‡kva

1 2 3 4 5 6 = (3-4) 7 8 9 10 = (7-8)g~j

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1.2.3.4.5.6.7.8.

9. 10.11.12.13.14.15.16.17.

18.19.20.21.22.23.

0.0039.930.000.00

117.310.00

19.8756.029.94

46.080.000.850.65

11.217.440.361.89

255.54

16.459.670.020.01

62.33-

6.2938.01

9.1628.850.000.270.492.302.380.281.14

139.63

22.094.460.010.00

19.980.006.569.550.269.290.000.040.104.390.610.100.36

68.25

-16.4530.26-0.02-0.0154.98

-13.5918.010.78

17.230.000.580.178.915.070.080.75

115.910.02

115.89

-1.872.672.551.663.30

124.20

-2.540.11

-0.0349.98

-36.05-

11.00-3.401.33

-4.720.000.440.181.46

-1.920.171.19

20.57-

20.57

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30.29

0.0017.810.00

51.6223.940.00

21.9545.8012.4233.380.000.870.607.100.000.412.24

172.32

2.5417.700.031.64

59.99-

10.9649.2011.0938.110.000.430.415.641.920.241.05

151.75

3.207.740.011.88

22.140.007.98

14.060.28

13.780.000.040.094.930.490.090.39

63.01

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- `kwgK fMœvsk ivDwÛs Gi Kvi‡Y Dcv‡Ëi gvb k~b¨ i‡q‡Q Ges Zv †gvU MYbvq †hvM Kiv nqwb|1/ e¨vswKs Lv‡Zi wewb‡qvMmn |m= ms‡kvwaZ, mv = mvgwqK|Drm t

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12553134802824375375-14174332

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31204

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9211-15511-12551484

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9764575979936490490762793106

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100

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14984027915702576576

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13-490331

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95-1579-238

1022672

1015496892416451451

-825961

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-169-650

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2058-2058-2058-1883-175

-51551623312497

-21388-12332478-3711-1484

52-1536-215

11596127

11469109873724

512512

-651913

-117-14471589-687-151

62-902

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95-7202865

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751

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119-1473-220

12075127

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148.33.4

43.4361.0614.7587.3

11.98.51.4

257.375.73.4

459.1403.684.14.8

55.524.12.3

4083.8108.937.5

3817.0165.223.1

124.1697.2178.080.26.4

12.61183.5165.3199.295.427.6

696.010526.21361.6

147.23.4

43.4320.8548.4585.0

6.94.91.4

266.153.25.0

515.3457.087.95.2

58.324.32.4

4657.6133.135.0

4553.6199.722.8

125.1442.0283.0106.0

8.312.7

1479.3257.0236.9135.930.0

819.512177.91515.9

165.13.8

43.5318.3541.3588.0

14.910.61.4

284.456.95.0

534.1445.468.56.5

88.742.2

2.15167.3147.235.1

5532.5241.622.991.3

263.0347.2112.9

9.012.6

1890.0291.4219.7169.638.3

1171.014110.81729.5

148.23.4

43.0324.9554.4586.0

12.36.22.0

178.271.32.5

455.6375.175.05.0

80.536.62.2

5918.5169.634.9

6427.3290.8

22.1107.5255.2421.3117.7

9.412.5

1875.0313.5181.3186.931.7

1161.615565.21900.3

196.34.5

43.3591.7

1002.9590.0

5.72.42.4

226.1112.5

2.0437.4348.3108.8

3.289.121.04.3

6013.4172.834.8

6483.3292.722.238.6

153.2251.6157.112.512.6

2055.1539.3311.1204.130.8

969.816204.72150.5

357.38.2

43.5757.7

1273.4595.0

3.21.22.7

297.8114.6

2.6611.3477.8144.8

3.3133.535.13.8

8432.4247.3

34.19482.1441.021.539.5

154.4256.0120.1

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418117301733290

473164124210604

140058050

342148523742501

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147461445

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5811804018376

106583195294240524

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216292148

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199796080

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1291792

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225072216

20291

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761106109130

1050350650333535

2021972103717275966

1439718

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1453159558621414

237382350

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248

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(wgwjqb Wjvi)


1) †fvM¨ cY¨

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3404.1

2332.6

10182.0

1918.7

2533.6

2366.5

6045.9

28783.4

3125.1

2591.7

2051.1

8316.8

1459.4

2089.7

2290.5

4253.9

23053.1

3097.0

1072.5

610.6

5632.9

1243.3

1131.7

908.9

3474.3

14074.2

2163.1

4934.3

2785.7

15033.3

2778.8

3192.7

3085.5

6772.1

38582.4

5654.9

3763.7

2087.9

12194.7

2046.1

2846.8

3177.6

5836.4

31953.2

4554.9

1632.2

1186.8

6992.9

1790.4

1342.1

458.3

4534.9

17937.6

3322.8

45.0

19.4

47.6

44.8

26.0

30.4

12.0

34.0

81.0

45.2

1.8

46.6

40.2

36.2

38.7

37.2

38.6

47.1

52.2

94.4

24.1

44.0

18.6

-49.6

30.5

27.5

53.6

1 2 3 4 5 6 7 8 9 10

Drm t ˆe‡`wkK gy`ªv bxwZ wefvM, evsjv‡`k e¨vsK|


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mviYx 20 t ˆe‡`wkK gy`ªvi wiRvf©


1 2 3

†gvU wiRvf©

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1994

1995

1996

1997

1998

1999

2000

2001

2002

2003

2004

2005

2006

2007

2008

2009

2010

2011

111,286

123,073

84,906

74,857

80,266

73,650

81,466

73,831

90,858

141,753

163,241

186,769

242,914

349,314

421,377

515,945

747,121

809,996

2,772

3,077

2,039

1,719

1,739

1,523

1,602

1,307

1,583

2,470

2,705

2,930

3,484

5,077

6,149

7,471

10,750

10,912

Drm t GKvD›Um& GÛ ev‡RwUs wWcvU©‡g›U, evsjv‡`k e¨vsK|


250

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A_©eQi cÖwZ gvwK©b Wjv‡i UvKv (evwl©K Mo)1 2

A_©eQi 94

A_©eQi 95

A_©eQi 96

A_©eQi 97

A_©eQi 98

A_©eQi 99

A_©eQi 00

A_©eQi 01

A_©eQi 02

A_©eQi 03

A_©eQi 04

A_©eQi 05

A_©eQi 06

A_©eQi 07

A_©eQi 08

A_©eQi 09

A_©eQi 10

A_©eQi 11

40.00

40.20

40.84

42.70

45.46

48.06

50.31

53.96

57.43

57.90

58.94

61.39

67.08

69.03

68.60

68.80

69.18

71.17



251

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1510.5

442.2

375.8

406.8

557.3

41.4

136.4

131.3

47.7

10.1

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16.0

25.5

80.1

3848.3

1697.0

561.4

555.7

494.4

760.7

83.0

175.6

165.3

64.8

11.9

67.3

9.4

20.8

134.6

4801.9

1735.0

804.8

886.9

680.7

930.3

149.6

233.2

196.5

80.2

14.9

80.0

10.2

11.8

164.3

5978.5

2324.2

1135.1

896.1

863.7

1380.1

214.5

289.8

220.6

130.1

26.9

138.2

16.3

92.4

186.8

7914.8

2859.1

1754.9

789.7

970.8

1575.2

186.9

343.4

290.1

165.1

19.3

157.4

14.1

282.2

281.1

9689.3

3427.1

1890.3

827.5

1019.2

1451.9

182.2

360.9

349.1

193.5

16.5

170.1

14.7

587.1

497.3

10987.4

3290.0

2002.6

889.6

1075.8

1848.5

215.6

319.4

334.3

202.3

25.6

185.9

15.2

703.7

541.8

11650.3

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miKvwi gvwjKvbvaxb/ miKvi wbqwš¿Z e¨vsKmg~n (4+4=8)

miKvwi gvwjKvbvaxb evwYwR¨K e¨vsKmg~n (4)†mvbvjx e¨vsK wjwg‡UW RbZv e¨vsK wjwg‡UWAMÖYx e¨vsK wjwg‡UWiƒcvjx e¨vsK wjwg‡UW*

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mviYx 23 t Zdwmwj e¨vsKmg~‡ni ZvwjKv( 30 Ryb 2011)

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253

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dv÷© jxR dvBb¨vÝ GÛ Bb‡f÷‡g›U wjwg‡UW

wRGmwc dvBb¨vÝ †Kv¤úvbx (evsjv‡`k) wjwg‡UW

nR¡ dvBb¨vÝ †Kv¤úvbx wjwg‡UW

AvBwWGjwm dvBb¨vÝ wjwg‡UW

BÛvw÷ªqvj GÛ Bbd«v÷ªvKPvi †W‡fjc‡g›U dvBb¨vÝ †Kv¤úvbx wjwg‡UW

BÛvw÷ªqvj †cÖv‡gvkb GÛ †W‡fjc‡g›U †Kv¤cvbx Ae evsjv‡`k wjwg‡UW

Bbd«v÷ªvKPvi †W‡fjc‡g›U †Kv¤úvbx wjwg‡UW

B›Uvib¨vkbvj jxwRs GÛ dvBb¨vwÝqvj mvwf©‡mm wjwg‡UW

BmjvwgK dvBb¨vÝ GÛ Bb‡f÷‡g›U wjwg‡UW

jsKvevsjv dvBb¨vÝ wjwg‡UW

gvBWvm dvBb¨vwÝs wjwg‡UW

b¨vkbvj dvBb¨vÝ wjwg‡UW

b¨vkbvj nvDwRs dvBb¨vÝ GÛ Bb‡f÷‡g›U wjwg‡UW

wccjm jxwRs GÛ dvBb¨vwÝqvj mvwf©‡mm wjwg‡UW

wdwb· dvBb¨vÝ GÛ Bb‡f÷‡g›U wjwg‡UW

wcÖwgqvi wjwRs GÛ dvBb¨vÝ wjwg‡UW

cÖvBg dvBb¨vÝ GÛ Bb‡f÷‡g›U wjwg‡UW

wijv‡qÝ dvBb¨vÝ wjwg‡UW

†mŠw` evsjv‡`k BÛvw÷ªqvj GÛ GwMÖKvjPvivj Bb‡f÷‡g›U †Kv¤úvbx wjwg‡UW

w` BDGB-evsjv‡`k Bb‡f÷‡g›U †Kv¤úvbx wjwg‡UW

BDwbqb K¨vwcUvj wjwg‡UW

BDbvB‡UW wjwRs †Kv¤úvbx wjwg‡UW

DËiv dvBb¨vÝ GÛ Bb‡f÷‡g›U wjwg‡UW

mviYx 24 t Avw_©K cÖwZôvbmg~‡ni ZvwjKv*(30 Ryb 2011)

* Avw_©K cÖwZôvb AvBb, 1993 Gi AvIZvq evsjv‡`k e¨vsK KZ©„K jvB‡mÝK…Z|

mviYx 1 t e¨vsK e¨e¯’vi KvVv‡gv

e¨vs‡Ki aibe¨vs‡Ki msL¨v kvLvi msL¨v †gvU m¤ú`

†gvU m¤ú` Gi kZKiv Ask †gvU AvgvbZ

†gvU AvgvbZ GikZKiv Ask

2011 (Ryb)

Gmwmwe

we‡klvwqZ

†emiKvwi

we‡`kx

†gvU t

4

4

30

9

47

3414

1388

2847

63

7712

1564.9

317.0

3205.4

344.2

5431.5

28.8

5.9

59.0

6.3

100.0

1123.6

205.9

2505.9

247.3

4082.7

27.5

5.0

61.4

6.1

100

(wewjqb UvKv)

mviYx 2 t e¨vs‡Ki cÖK…wZ‡f‡` g~jab I SuywK fvixZ m¤ú‡`i AbycvZ

(kZKiv)

e¨vs‡Ki aib

Gmwmwe

we‡klvwqZ

†emiKvwi

we‡`kx

†gvU t

2005

-0.4

-7.5

9.1

26.0

5.6

2006

1.1

-6.7

9.8

22.7

6.7

2007

7.9

-5.5

10.6

22.7

9.6

2008

6.9

-5.3

11.4

24.0

10.1

2009

9.0

0.4

12.1

28.1

11.6

2010

8.9

-7.3

10.1

15.6

9.3

9.5

-7.0

10.4

17.1

9.7

2011(Ryb)

mviYx 3 t e¨vs‡Ki †kªYx‡f‡` †gvU F‡Yi Abycv‡Z †kªYxweb¨vwmZ F‡Yi Ae¯’v

(kZKiv)

e¨vs‡Ki aib

Gmwmwe

we‡klvwqZ

†emiKvwi

we‡`kx

†gvU t

2005

21.4

34.9

5.6

1.3

13.6

2006

22.9

33.7

5.5

0.8

13.2

2007

29.9

28.6

5.0

1.4

13.2

2008

25.4

25.5

4.4

1.9

10.8

2009

21.4

25.9

3.9

2.3

9.2

2010

15.7

24.2

3.2

3.0

7.3

2011 (Ryb)

14.1

21.8

3.5

3.1

7.1

cwiwkó-3

257

cwiwkó-3 e¨vswKsLv‡Zi Kvh©`ÿZvi wb‡`©wkKvmg~n

258

mviYx 4 t e¨vs‡Ki †kªYx‡f‡` bxU F‡Yi wecix‡Z †kªYxweb¨vwmZ F‡Yi Ae¯’v

(kZKiv)

e¨vs‡Ki aib

Gmwmwe

we‡klvwqZ

†emiKvwi

we‡`kx

†gvU t

2005

13.2

22.6

1.8

-2.2

7.2

2006

14.5

23.6

1.8

-2.6

7.1

2007

12.9

19.0

1.4

-1.9

5.1

2008

5.9

17.0

0.9

-2.0

2.8

2009

1.9

18.3

0.4

-2.3

1.7

2010

1.9

10.0

0.0

-1.7

1.3

2.0

13.5

0.2

-1.5

1.3

2011 (Ryb)

mviYx 5 t cÖ‡qvRbxq I msiw¶Z cÖwfkb - mKj e¨vsK

(wewjqb UvKv)

mKj e¨vsK

†kªYxweb¨vwmZ F‡Yi cwigvY

cÖ‡qvRbxq cÖwfkb

msiw¶Z cÖwfkb

DØ„Ë (+)/ NvUwZ (-)

cÖwfkb msiÿ‡Yi nvi (%)

2005

175.1

88.3

42.6

-45.7

48.2

2006

200.1

106.1

52.9

-53.2

49.9

2007

226.2

127.2

97.1

-30.1

76.3

2008

224.8

136.1

126.2

-9.9

92.7

2009

224.8

134.8

137.9

3.1

102.3

2010

227.1

149.2

142.3

-6.9

95.4

243.8

158.0

152.3

-5.6

96.4

2011 (Ryb)

mviYx 6 t cÖwfkb ch©vßZv nv‡ii Zzjbvg~jK wPÎ

(wewjqb UvKv)

2009

2010

2011 (Ryb )

cÖ‡qvRbxq cÖwfkbmsiw¶Z cÖwfkbcÖwfkb msi¶‡Yi nvi (%)cÖ‡qvRbxq cÖwfkbmsiw¶Z cÖwfkbcÖwfkb msi¶‡Yi nvi (%)cÖ‡qvRbxq cÖwfkbmsiw¶Z cÖwfkbcÖwfkb msi¶‡Yi nvi (%)

66.079.5

120.570.6

69.998.969.869.8

100.0

17.58.9

50.919.1

13.369.720.614.369.4

46.543.693.853.3

51.897.160.060.0

100.0

4.65.9

128.36.2

7.4119.4

7.58.2

109.3

AvB‡Ug Gmwmwe we‡klvwqZ †emiKvwi we‡`kxeQi

cwiwkó-3e¨vswKsLv‡Zi Kvh©`ÿZvi wb‡`©wkKvmg~n

259

mviYx 7 t e¨vs‡Ki †kªYx‡f‡` Ae‡jvcbK…Z F‡Yi cwigvY

(wewjqb UvKv)

Gmwmwe

we‡klvwqZ

†emiKvwi

we‡`kx

†gvU t

29.7

27.6

32.9

1.1

91.3

35.7

28.6

40.7

1.5

106.5

42.8

30.4

45.5

1.6

120.3

48.4

31.0

49.4

1.7

130.5

64.5

31.8

54.7

2.0

153.0

70.5

31.8

69.6

2.1

174.0

82.4

32.0

77.1

2.3

193.9

e¨vs‡Ki aib 30 Ryb 05 30 Ryb 06 30 Ryb 07 30 Ryb 08 30 Ryb 09 30 Ryb 10 30 Ryb 11

mviYx 8 t e¨vs‡Ki †kªYx‡f‡` e¨q-Avq AbycvZ

(kZKiv)

Gmwmwe

we‡klvwqZ

†emiKvwi

we‡`kx

†gvU t

2004

102.3

104.0

87.1

76.3

90.9

2005

101.9

103.9

89.3

70.8

92.1

2006

100.0

103.5

90.2

71.1

91.4

2007

100.0

107.7

88.8

72.9

90.4

2008

89.6

103.7

88.4

75.8

87.9

2009

75.6

112.1

72.6

59.0

72.6

2010

80.7

87.8

67.6

64.7

70.9

65.9

101.7

69.1

45.4

69.1

2011 (Ryb)

mviYx 9 t e¨vs‡Ki †kªYx‡f‡` gybvdv AR©‡bi nvi

(kZKiv)

Gmwmwe

we‡klvwqZ

†emiKvwi

we‡`kx

†gvU t

-0.1

-0.1

1.1

3.1

0.6

0.0

-0.2

1.1

2.2

0.8

0.0

-0.3

1.3

3.1

0.9

0.7

-0.6

1.4

2.9

1.2

1.0

0.4

1.6

3.2

1.4

1.1

0.2

2.1

2.9

1.8

0.6

-0.3

1.6

3.6

1.3

-6.9

-2.0

18.1

18.4

12.4

0.0

-2.0

15.2

21.5

14.1

0.0

-3.4

16.7

20.4

13.8

22.5

-6.9

16.4

17.8

15.6

26.2

-171.7

21.0

22.4

21.7

18.4

-3.2

20.9

17.0

21.0

10.0

-5.2

15.6

20.2

15.5

m¤ú‡`i Avq nvi (ROA) BKz¨BwUi Avq nvi (ROE)

2005 2006 2007 2008 2009 2010 2011(Ryb) 2005 2006 2007 2008 2009 2010 2011

(Ryb)

e¨vs‡Ki aib

e¨vs‡Kiaib

cwiwkó-3 e¨vswKsLv‡Zi Kvh©`ÿZvi wb‡`©wkKvmg~n

260

mviYx 10 t e¨vs‡Ki †kªYx‡f‡` bxU my` Avq

(wewjqb UvKv)

e¨vs‡Ki aib

Gmwmwe

we‡klvwqZ

†emiKvwi

we‡`kx

†gvU t

2005

7.7

1.0

21.0

5.6

35.3

2006

9.0

1.7

25.4

8.2

44.3

2007

7.4

1.4

36.1

9.9

54.8

2008

7.9

1.9

48.5

12.6

70.9

2009

12.1

1.9

56.7

10.7

81.5

2010

19.8

6.2

82.8

13.0

121.9

10.0

4.0

42.2

8.4

64.6

Gmwmwe

we‡klvwqZ

†emiKvwi

we‡`kx

†gvU t

20.0

11.2

21.0

41.5

21.7

20.1

11.9

21.4

34.4

21.5

24.9

14.2

22.2

29.2

23.2

32.9

13.7

20.7

31.3

24.8

25.1

9.6

18.2

31.8

20.6

27.2

21.3

21.5

32.1

23.0

27.0

22.1

24.5

31.1

25.9

2.0

6.2

5.1

23.6

5.3

2.1

3.8

5.6

16.4

5.1

6.9

5.6

6.4

11.2

6.9

14.9

4.9

4.7

13.3

8.4

17.6

7.1

5.3

21.8

9.0

8.2

2.3

4.6

13.2

6.0

8.1

3.1

8.0

12.2

7.9

e¨vs‡Kiaib

Zij m¤ú` AwZwi³ Zvij¨

2005 2006 2007 2008 2009 2010 2005 2006 2007 2008 2009 2010 2011(Ryb)

2011 (Ryb)

mviYx 11 t e¨vs‡Ki †kªYx‡f‡` Zvi‡j¨i nvi

(kZKiv)

2011(Ryb)

W. †gvt †Mvjvg gy¯—vdv, gnve¨e¯’vcK wWcvU©‡g›U Ae wcÖw›Us GÛ cvewj‡KkÝevsjv‡`k e¨vsK, cÖavb Kvh©vjq XvKv KZ…©K cÖKvwkZ

I‡qemvBU : www.bb.org.bd www.bangladeshbank.org.bd www.bangladesh-bank.org

†mªvZ G¨vWfvU©vBwRs, XvKv †_‡K gyw`ªZ†dvb t 8356741, 01819251898

wWwcwc-05-2012-1000

ev wl© K wi cv U

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