evsjv‡`k e¨vs‡Ki Ad-mvBU mycviwfkb
PY~ÔZ=.'gCY0JYMY
Z:FY8gJw8$H$GPY%8P\FYLZINE
evsjv‡`k e¨vsK
F°.YNEY.ZJZ8
'FgCÍY
*P*JLZH'MQYPYE
JQYHHnYF.
F°.YNEY.ZJZ8
fJYW$YZLG]YJYE
ZGgLY5JYQJ\C%PMYJ
hyM¥-cwiPvjK
Dc-cwiPvjK
fJYQY~C$YZJE\LLQJYEf3jD\L[
f5H\EgE4Y.ZLJY
hyM¥-cwiPvjK
Dc-cwiPvjK
J\Q~CJYQG]5\LLQJYE/YE
fJYWEYZ5J'©[E
hyM¥-cwiPvjK
Dc-cwiPvjK
ZJM8EZHNYP
mnKvix cwiPvjK
0IEgLLHY<[
e¨vswKs Lv‡Zi my¯’Zv, m”QjZv I mvwe©K w¯’wZkxjZv msiÿ‡Yi cvkvcvwk AvgvbZKvix‡`i ¯^v_©
iÿv‡_© evsjv‡`k e¨vsK Zvi wbweo bRi`vwi Kvh©µg Ae¨vnZ †i‡L‡Q| 2007 mvj †_‡K ïiæ
nIqv ˆewk¦K A_©‰bwZK g›`vi me‡P‡q eo KviY Avw_©K Lv‡Z h_vh_ Z`viwK e¨e¯’vi Afve| ZvB
mve©ÿwYK bRi`vwi †Rvi`viKi‡Y Ab-mvBU mycviwfk‡bi cvkvcvwk Ad-mvBU mycviwfk‡bi
¸iæZ¡ A‡bKvs‡k e„w× †c‡q‡Q| eZ©gv‡b MÖvnK †mevq ˆewPΨ, Avw_©K evRv‡ii Aw¯’wZkxjZv,
JHDJYE F°Z=gKYZ0=Y HYV.gMYg. $ZD. 6X\Z. , 3YgMgL P~\/[E .Lg4_ * 3YgM
†gvKv‡ejvq e¨vswKs Lv‡Z mycviwfkb Kvh©µg DbœZ Kivi j‡ÿ¨ †K›`ªxq e¨vsK wn‡m‡e evsjv‡`k
e¨vsK A‡bK Av‡M †_‡KB AvšÍR©vwZK m‡e©vËg ixwZbxwZ¸‡jv‡K †`kxq †cÖÿvcU Dc‡hvMx K‡i
†m¸‡jv MÖnY I Abymi‡Yi †Póv Ae¨vnZ †i‡L‡Q|
evsjv‡`k e¨vsK e¨vswKs Lv‡Zi bRi`vwi‡Z †KŠkjMZ cwieZ©‡bi Ici we‡kl ¸iæZ¡v‡ivc K‡i‡Q;
SzuwK‡K gyL¨ we‡ePbvq wb‡q bZzb bZzb c`‡ÿc MÖn‡Yi gva¨‡g e¨vswKs Lv‡Zi mvwe©K Ae¯’vi Dci
ZELv§L =CYLZ. ÉLÀ .gLg4_ f:gk $GPY%8 *HV JYg9 $EPY%8 'IT FZLCNgEL fÙg¨
E5LCYZLg.$YgLY=[ÙÂ .LYL5EHYVMYgCNHYV..Y5.Lg4_*L%$VNZQgPgHJY9FKYgTL
mycvifvBRvi‡`i ev¯Íe AwfÁZvi Av‡jv‡K mycviwfkb‡K Av‡iv kw³kvjx Ki‡Z cÖ‡qvRbxq
E[Z=JYMYF°<TgEL'g©gN5Y=[TIYgH*HV$YZM.FKYgT8Y'EQMPIY.LYQgTg4_$YZB.
/Yg=LZnZ=N[M=YLÙYTf.wC[THYVg.LPÙJ=YHdZ±,.g9YLE5LCYZLH5YTLY/YQgTg4_
mycviwfk‡bi Kvh©KvwiZv e„wׇK m‡e©v”P AMÖvwaKvi †`qv n‡q‡Q| FY SyuwK, Zvij¨ SyuwK, evRvi
6\XZ.FZL3YME6\XZ.%=YZC6\XZ.Z3Z×=.L<*HV=YZHgNÒOg<LJYDgJ6\XZ.L0I[L=YZE<T,6\XZ.
F°NJgEL 5E .YK.L FvnY 'u|YHE *HV =Y P\ZEF\<IYgH FZL3YMEY .LY Qgp4_ F°Àg:Z·TYM
fLgMNEgMYKYg=$Yv§5YZ=.PgHY¥J33YLPYgBPYJPFa< QT*HVHYgPgMLJaME[Z=gMY
†hb c~Y©v½fv‡e ev¯Íevqb Kiv hvq †mRb¨ cÖ‡qvRbxq c`‡ÿc MÖnY Kiv n‡q‡Q|
$GPY%8=¥{YHDYgEL5EHYVMYgCNHYVg.L*.Z8LÀ={Fa< ZHIY0®Z:FY8gJw8$H$GPY%8
P\FYLZINE¯ ZEgTYZ5= LgTg4_ P\FYLZINgE f.jNM0= FZLH=E HY§HYTgE PY~ÔZ=. PJgT *
ZHIY0$gE.E=]E'gCY00°Q<.gLg4_*g=$GPY%8P\FYLZINgEE=]EJY¨YfKY0QgTg4_
5EAYgB *PH 'gCY0 PHPYDYLg<L CdZÍg0Y3gL $YEYL F°gTY5E[T=Y $EA[.YK_ fP MgÙ% *
F°.YNEY_ Z:FY8gJw8 $H $GPY%8 P\FYLZINE .=d. 0dQ[= PY~ÔZ=. 'gCY0PJaQ *
cÖwZ‡e`bwU‡Z msKwjZ n‡q‡Q|
$YZJ$YNY.LZ4HYVZ.V/Yg=L5E*ZHIY0*DLgELK\g0YFgKY0[E=]EE=]EFCgÙF0°Q<IZHOg=,
$HYQ=LY/gH_F°Z=gHCEZ8F°<TgELPYgBPVZNÒÍP.gMLF°Z=L%gMY$YJYL$Yv§ZL.$ZIEwCE_
$YZ='i iQJYb)
Mfb©i
f:F\Z80IEgLLHY<[
DbœZ, D`xqgvb, Dbœqbkxj mKj A_©bxwZ‡ZB e¨vs‡Ki SzuwKmg~n ch©‡eÿY, e¨vsK wech©q I
Zvi cÖfve †_‡K AvgvbZKvix‡`i ¯^v_© iÿvi cvkvcvwk e¨vswKs Lv‡Zi w¯’wZkxjZv eRvq ivLvi
fÙg¨$GPY%8P\FYLZINE6X\Z.ZIZ¥.P\FYLZINEF°ZTYLF°BJDYFZQgPgHZHgHZ3=_*L
†gŠwjK KvR n‡”Q e¨vswKs Lv‡Zi c×wZMZ SuywK cÖwZ‡iva Kiv| wek¦vqb, gy³ evRvi A_©bxwZ,
Pjgvb wek¦ Avw_©K g›`v, Z_¨-cÖhyw³ wbf©iZv BZ¨vw` Kvi‡Y e¨vswKs Lv‡Z SyuwKi gvÎv eû¸‡Y
e„w× †c‡q‡Q; †hgb - FY SuywK, Zvij¨ SzuwK, cwiPvjb SzuwK, ˆe‡`wkK wewbgq SuywK,
JYZEMµYZLV5YM5YZMTYZ=6X\Z.%=YZC_*P.M6]XZ.PYLYZHgNL$BiEZ=.ZnZ=N[M=Y
wbwðZKi‡Y †K›`ªxq e¨vsK I wbqš¿YKvix‡`i ZË¡veavb cÖwµqv wb‡q wPšÍv Kivi j‡ÿ¨ cÖey×
.gLg4_$YL*.YLg<%P\FYLZINEF±Z=g=HYF.FZLH=E$YETEP~|HQgTg4_
HYVMYgCN HYV., *gÙg¨ ZFZ4gT fE%_ * MgÙ HYVMYgCN HYVg.L Z:FY8gJw8 $H $GPY%8
mycviwfkb weMZ eQi¸‡jv‡Z AvšÍR©vwZK gv‡bi A‡bK D‡`¨vM MÖnY K‡i‡Q, hvi BwZevPK cÖfveI
MÙ<[T_*P.M'gCY0ZEgT%LZ3=QgTg4*F°Z=gHCEZ8_$YZJ$YNY.LZ4F°Z=H4gL%*
wefvM Ad-mvBU mycviwfkb wi‡cvU© F°.YN .LgH_ F°.YNEY PVYv§ .Yg5 PVZNÒÍ P.gji cÖwZ
Avgvi ïf Kvgbv iB‡jv|
$YH\fQEYfJYQYWLY5[QYPYE
†WcywU Mfb©i
ZEHYQ[FZL3YMg.LHY<[
HYVZ.V$=v§ÔN.Y=L*.Z8/Y=_HYV.f.Y~ÔYE[.Y5.gL5E0g<LZHNYPg.F\XZ5.gL
HHPY.gL5E0g<L%$gB_ZHgNLP.M$BE[Z=g=%HYV.$YZB.JDn=Y.YL[ZQgPgH*HV
Kvh©Ki cwi‡kva e¨e¯’v I gy`ªvbxwZ ev¯Íevq‡bi gva¨g wn‡m‡e f~wgKv cvjb K‡i _v‡K| ZvB
$YD\ZE. $YZB. /Yg=L *.Z8 $E=J LÀ={Fa< ZHOT QgMY HYVZ.V P\FYLZINE_ $YL
mycviwfk‡bi †ÿ‡Î eZ©gvb ˆewk¦K †cÖÿvc‡U Ad-mvBU mycviwfk‡bi ¸iæZ¡ c~‡e©i Zzjbvq
A‡bK e„w× †c‡q‡Q| KviY Ad-mvBU mycviwfk‡b e¨vsK †cÖwiZ weeiYxmg~‡ni Ici wfwË K‡i
.YgJMP fLZ8V*LJYDgJHYV.gMYL$YZB.PYJBZE<gTLFYNYFYZNPJPYYv§ ,ZEZHR
=CYLZ.LF°gTY5E*LcFHYV.Z3Z×=.LYQT*HVHYVZ.V/Yg=LZHZIEx Pa3g.L$HEJE,
DbœwZ wbweofv‡e ch©‡eÿY Kiv nq| evsjv‡`k e¨vs‡Ki wWcvU©‡g›U Ae Ad-mvBU mycviwfkb
*LÀ={Fa<CYZT={FYME.gLBYg._PY~ÔZ=.PJgT$YZB./Yg=ZnZ=N[M=YLÙYT*ZHIY0Z8
fHNZ.4] Pd5EN[M'gCY00°Q<.gLg4FZLH=E*gEg4P\FYLZINEF±Z=g=_E=]E0dQ[=
D‡`¨vMmg~‡ni mswÿß eY©bvB ¯’vb †c‡q‡Q cÖwZ‡e`bwU‡Z| cÖwZ‡e`b cÖYq‡bi D‡`¨vM‡K Avwg
PYD\HYC5YEY%*HV*.Yg5PVZNÒÍP.Mg.5YEY%DEHYC_*F°Z=gHCEfKEF°Z=H4L%fHL
nq †m cÖZ¨vkv KiwQ|
fJYQY~CE,NYC$YM[f3jD\L[
wbe©vnx cwiPvjK
PaZ3F¨
c„ôv bs
f~wgKv
1
bxwZMZ ms¯‹v‡ii AvIZvq wWcvU©‡g›U Ae Ad-mvBU mycviwfkb KZ©„K cÖYxZ I Abym„Z mycviwfkb †KŠkj
2
K¨v‡gjm& †iwUs MvBWjvBb ms‡kvab I hy‡Mvc‡hvMxKiY
2
Zvij¨ e¨e¯’vcbvq †Rvi bRi`vwi
2
e¨vsK¸‡jvi Avw_©K weeiYx wbqwgZ ch©v‡jvPbv
3
Marking to market
3
wfwËK cybtg~j¨vqb e¨e¯’v cÖeZ©b
e¨vsK¸‡jvi SzuwK e¨e¯’vcbv
4
F\XZ5HY5YLZHZEgTY0P~ÔZ.=E[Z=JYMYF°<TE
4
Bmjvgx AvšÍ:e¨vsK dvÛ gv‡K©U
5
Rvj-RvwjqvwZ cÖwZ‡iv‡a ¯^-g~j¨vqb cÖwZ‡e`b cÖeZ©b
5
†÷ªm †Uw÷s e¨e¯’v I MvBWjvBb cÖeZ©b
6
F°YZ=ÎYZE..Y9YgJY0=PVkYgLL$Y,=YT$E\Pd=P\FYLZINEf.jNM
6
6]XZ.HHnYFEY%'ZE809E
6
e„n`vsK FY gwbUwis md&U&Iq¨vi cÖeZ©b
7
HYV.P\FYLZINEfÔNYZMÑ.Y9YgJYF°H=E
8
K‡c©v‡iU †g‡gvwi e¨e¯’vcbv c×wZ
9
m‡PZbZvg~jK Kg©m~wP
9
SuywK e¨e¯’vcbv msµvšÍ Kg©kvjv Av‡qvRb
9
mycviwfkb msµvšÍ UvDb nj mfv
10
*ZZ.'Z8IZLZ8g8P\FYLZINE.Y9YgJYf5YLCYL.Lg<L,FLLÀ={YgLYF
13
JQYHHnYF.Pg~ME
14
evsjv‡`‡ki mgMZGEYZ·TYMZPgÑgJLFinancial Soundness Indicators (FSIs)
ZE<T.L<,$Y%*J*G,gTHPY%g8$YFgMY:.Lg<L'gCY00°Q<
15
evsjv‡`k e¨vs‡KL$EYEZHIY0Qg=0dQ[=ZHZIExE[Z=JYMY,F°YZ=ÎYZE..Y9YgJY0=
ms¯‹v‡ii AvIZvq cÖwZwôZ mycviwfkb †KŠkjmg~n
16
g~jab msiÿY ch©‡eÿY
16
*w8YLF°Y%5:Y8Y,TYLQY'5(EDW) PvjyKiY
16
Bw›U‡MÖ‡UW mycviwfkb md&U&Iq¨vi PvjyKiY
17
$EPY%8*HV$GPY%8P\FYLZINE.YKgJLJgDPJvAT
17
6X\Z.HHnYFEYPVYv§FOC.ZJZ809E
17
weMZ cuvP eQ‡i M„nxZ e¨e¯’vw`i djvdj
18
*.E5gLHYVMYgCgNLHYVZ.V/Y=
20
IbZJ.Y
Avw_©K Lv‡Zi mÿgZv, m”QjZv, mvwe©K w¯’wZkxjZv msiÿY I Dbœq‡bi cvkvcvwk
AvgvbZKvix‡`i ¯^v_© iÿv‡_© evsjv‡`k e¨vsK KZ©„K mycviwfkb Kvh©µg cwiPvjbv Kiv nq|
HYVMYgCNHYV.$:YL*L**GE~AL$E\gp4C*HVHYV.f.Y~ÔYE[$Y%E
FKv§ PVgNYZD= *L E~AL DYLY $E\KYT[ HYVMYgCN HYV. fCgNL HYV.
f.Y~ÔYE[gMYLPYZH.=¥{YHDYgEL5ECYZT={F°Y¹_*LJaMMÙ,'g©NQgMYHYVZ.V
/Yg=L ZELYF¥Y ZnZ=N[M=Y , Ndq/MY *HV HYVZ.V F°ZHZD , ZHDYEgMYL FZLFYME
wbwðZKiY; e¨vsK¸‡jvi Avw_©K wfwË kw³kvjxKi‡Yi j‡ÿ¨ Zv‡`i `ye©jZv wPwýZKiY I
ms‡kva‡bi D‡`¨vM MÖnY; e¨vsK¸‡jvi Avw_©K mÿgZv I cwiPvjb `ÿZv g~j¨vq‡bi
cvkvcvwk e¨e¯’vcbv I cwiPvjK cl©‡`i mÿgZv I Kg©`ÿZv g~j¨vqb I AvšÍR©vwZK gv‡b
DbœxZKi‡Yi D‡`¨vM MÖnY BZ¨vw`| g~jZt `yÕai‡bi mycviwfkb Kvh©µg cwiPvjbv Kiv nq|
*L*.Z8QgMY$EPY%8P\FYLZINEHYPgL5ZJE=¥{YHDYE*HV$FLZ8Qgp4$GPY%8HY
ZHHL<[ZIZ¥. =¥{YHDYE_ Z:FY8gJw8 $H $GPY%8 P\FYLZINE *L =¥{YHDYgE $GPY%8
mycviwfkb Kvh©µg cwiPvjbv Kiv nq| wWcvU©‡g›U Ae Ad-mvBU mycviwfkb cÖwZôvjMœ n‡Z
AvšÍR©vwZKfv‡e Abym„Z m‡e©vËg bxwZgvjvi Av‡jv‡K mycviwfkb Kvh©µg cwiPvjbv K‡i
$YPg4_PY~ÔZ=.PJgTHYVMYgCNHYV.P\FYLZINEF±Z=g=f.jNM0=FZLH=E$YEg=
ÉLÀ.gLg4_*MgÙfHNZ.4]E[Z=0=F°YZ=ÎYZE..Y9YgJY0=,$Y%E0=PVkYL.JPaZ3
MÖnY Kiv n‡q‡Q, hvi AwaKvsk ev¯Íevq‡bi †ÿ‡Î wWcvU©‡g›U Ae Ad-mvBU mycviwfkb
AMÖYx f‚wgKv cvjb Ki‡Q| wWcvU©‡g›U Ae Ad-mvBU mycviwfkb g~jZt `yÕai‡bi mycviwfkb
8]MP HY QYZ=TYL HHQYL .gL_ F°BJ DLgEL 8]MPgMY Qgp4 * Z:FY8gJw8 .=d.
$Yv§5YZ=.IYgH $E\Pd= PgHY¥J E[Z=JYMYL $YgMYg. $Y=[.e= *HV Z²=[T DLgEL 8]MP
evsjv‡`k e¨vs‡Ki Ab¨vb¨ wefvM n‡Z wewfbœ bxwZgvjvi AvIZvq cÖwZwôZ|
01
E[Z=0=PVkYgLL$Y,=YTZ:FY8gJw8$H$GPY%8P\FYLZINE
.=d.F°<[=,$E\Pd=P\FYLZINEf.jNM
.YgJMPfLZ8V0Y%:MY%EPVgNYDE,K\g0YFgKY0[.L<
Ad-mvBU mycviwfk‡bi Ask wn‡m‡e e¨vsK¸‡jvi CAMELS Rating wbY©q Kiv n‡q _v‡K - ivóªxq gvwjKvbvaxb
e¨vsK¸‡jvi †ÿ‡Î i¨JYZP.ZIZ¥g=*HVfHPL.YL[hHgCZN.,ZHgNOYZT=HYV.gMYL5EOYEYZP.ZIZ¥g=_*
†iwUs w`‡qB e¨vs‡Ki mvwe©K Avw_©K Ae¯’v cwigvc Kiv nq| CAMELS Rating wbY©q cÖwµqvq e¨vsK¸‡jvi mvwe©K
Avw_©K m~PK, Core Risks, Overall Risk Management, Ab-mvBU cwi`k©‡b cÖvß Awbqg I ÎæwU-wePy¨wZ msµvšÍ Z_¨vw`,
AMÖvwaKvi wfwËK wewfbœ Lv‡Z fKJEW .eZO *P*J% EYL[ 'gCYY FZLgHNHY¶H F°.Ç %=YZC fÙg¨ $BYTE
mvgvwRK `vqe×Zv cwicvj‡b e¨vsK¸‡jvi AskMÖnY, ¯^xK…Z wej cwi‡kva wel‡q Abym„Z bxwZ/c×wZ BZ¨vw` we‡ePbv
Kiv n‡q _v‡K| $Yv§5YZ=.L[Z=E[Z=LPg/YF/Y,TYgEY$YD\ZE.HYVZ.V.YKgJLPgK\g0YFgKY0[.LY*HV
e¨vs‡Ki my¯’Zv Av‡iv wbfz©jfv‡e wbY©‡qi j‡ÿ¨ c~e©eZ©x K¨v‡gjm †iwUs MvBWjvBbwU eZ©gv‡b wWcvU©‡g›U Ae
$GPY%8P\FYLZINE.=d.ZLZI'.LYQgTg4_E=]EF°HZ==0Y%:MY%EZ8Z:gP~ALZIZ¥.CAMELS Rating
wbY©‡qi †ÿ‡Î Abym„Z n‡q‡Q|
ms‡kvwaZ MvBWjvBbwU‡Z Ratio ev Indicator *LfÙg¨fKJEHRDLgELFZLH=E$YEYQgTg4f=JZEF°NxJYMY,
(Questionnaire) E=]EIYgHZHE§.LYQgTg4_*/YgEJaMDEFKY¹=YPVYv§HYgPME[Z=JYMYg.ZHgH3EYTfETY
QgTg4*HV*L.Z=FTZHOT$v§I\.LYQgTg4_JaMDEFKY¹=YLfÙg¨HYVg.L Best Quality Capital*L,FL
LÀ={YgLYF.LYPQJaMDgEL=]MEYTHYVg.LFX\Z5HY5YgLZHZEgTY0,HYgM·N[8HZQI\=CGYL(Items) cwigvY, †gvU
g~ja‡bi Zzjbvq e„n`vsK F‡Yi (Large Exposure) cwigvY BZ¨vw` wnmvevq‡b AšÍf©y³ Kiv n‡q‡Q| P~ÔgCL
<0=JYgEL 5E fN°<[.e= )g<L QYL F°ZINZEV FZLZnZ= *L FYNYFYZN PYZH.IYgH HYVg.L Loan Portfolio
competitive wKbv Zv hvPvB Kivi Rb¨ HHI (Herfindahl-Hirschman Index) cÖeZ©b Kiv n‡q‡Q| SzuwKc~Y© wewfbœ Lv‡Z
cÖ`Ë F‡Yi cwigvYI wnmvevq‡b AšÍf©y³ Kiv n‡q‡Q| e¨e¯’vcbvi †ÿ‡Î Core Risk Assessment, Risk Management
Performance Rating, SME and Agriculture Financing Performance *HV mvgvwRK `vqe×Zv BZ¨vw` welqI we‡ePbvq
†bqv n‡q‡Q| DcvR©b ÿgZv we‡ePbvq eZ©gv‡b e¨eüZ ROA, ROE *HV NIM *LFYNYFYZN Av‡qi ¸YMZ gvb, †gvU
P~ÔgCL JgD P\C 'FY5E.YL[ P~ÔC fJY8 P~ÔgCL =]MEYT Core income cwiw¯’wZ BZ¨vw` AšÍf©y³ Kiv n‡q‡Q|
Zvij¨ ev Liquidity FZLJYgFHYgPM*L$YgMYg.=YLMFKY¹=YLC\Z8E=]E$E\FY=- Liquidity Coverage Ratio
*HV Net Stable Funding Ratio AšÍfy©³ Kiv n‡q‡Q| ZvQvov Deposit Volatility, Small Deposit, Large Deposit, Short term
liabilities *L=]MEYTLiquid assets *LFZLJY<ZHgH3EY.LYQgTg4HY5YL6]XZ.LF°Z=PVgHCEN[M=YL(Sensitivity to
Market Risk) Rb¨ Post shock core income, cyuwR evRv‡i †kqvi g~j¨ cZ‡bi d‡j cÖ‡qvRbxq AwZwi³ cÖwfkb I
cwiPvjb gybvdvi AbycvZ BZ¨vw` we‡ePbvq †bqv n‡q‡Q|
=YLMHHnYFEYTf5YLE5LCYZL
e¨vs‡Ki Zvij¨ msKU †`Lv w`‡j evRv‡i mybvg bó nq| ZLb evRvi n‡Z †ewk g~‡j¨ Zvij¨ msMÖn Ki‡Z nq| d‡j
jv‡fi cwigvY K‡g Av‡m, MÖvnK †mev wewNœZ nq| Zvi‡j¨i MwZaviv cwigvc I e¨e¯’vcbv e¨vsK¸‡jvi wbR wbR
CYZT={QgM,HYVMYgCNHYV.*gÙg¨FagHL=]MEYTE5LCYZLf5YLCYL.LYL5EZEJxZMZ/=FCgÙF0Q<.gLg4W
.=GZPZMHYV.‡jvi Structural Liquidity Profile (SLP)
2010 mv‡jLZ:gP~ALJYgPHYRv‡i A¯^vfvweK Zvij¨ ms‡KvPbRwbZ cwiw¯’wZi †cÖwÿ‡Z e¨vsK¸‡jvi Structural
Liquidity Profile (SLP) F°m=PVYv§*.Z8PYJPFa<PY.]MYLJY3f=%P\.LYQT_'SLP Abymi‡Yi
02
d‡j e¨vsK¸‡jvi Asset Liability Management * 'gMÒ/gKY0 'ExZ= QgTg4_ =Y% $EYE 'FYCYgEL PYgB
K\IYgHHYV.gMYLH=JYE=YLMFZLZnZ=L'gMÒ/gKY0'ExZ=FZLMZÙ=Qgp4_
/HYgPjZM.]%Z:Z8fLZN,HY§HYTE
e¨v‡mj*L$YgMYg.$YgLYC\¯Z8E=]E=YLMFKY¹=YFZLJYgFLfLZN, (wjKz¨BwWwU Kfv‡iR †iwkI I bxU
ÑYHMGYZµVfLZN,HYVMYgCgNLfF°ÙYFg8%g=YJgD.YgÑYJY%5:.LYQgTg4_*MgÙHYV.gMYQg==B
'FY¥PV0°Q.gLZHgNÒO<.LYLF°ZTYÉLÀQgTg4_
HYV.gMYL$YZB.ZHHL<[ZETZJ=FKYgMY3EY
e¨vsK¸‡jvi Avw_©K Ae¯’v wbwqgZfv‡e ch©v‡jvPbvi D‡Ï‡k¨ wWcvU©‡g›U Ae Ad-mvBU mycviwfkb `yÕai‡bi
f.jNM$HM~AE.Lg4
.:YTY0EZÑ.ZLZI'ZLgFY8F°H=E
e¨vsK¸‡jvi mvwe©K Ae¯’v I wWm‡K¬vRvi Avek¨KZv ch©‡eÿ‡Y wbqwgZ WvqvMbw÷K wiwfD cÖwZ‡e`b (DRR)
Fm=.LYQgp4_*Z8HYV.gMYLZEL[ZÙ=$YZB.ZHHL<[FKYgMY3EY.gLh=ZL.LYQT_*DLgELF°Z=gHCE
F°<TgEL $E=J 'g©N Qgp4 F°Z=gHCgE 'ZMÒZ/= C\HM=Y$ZETJYZCL 0I[L=Y ZHgH3EYT ZEgT CaLH=[ P=.
m‡¼Z wn‡m‡e e¨vsK¸‡jvi Kvh©µg wbweofv‡e cwiexÿ‡Yi gva¨‡g Zv‡`i Avw_©K Ae¯’vi gv‡bvbœq‡b mnvqZv
.LY_ P~ÔZ= DRR *L 5E *.Z8 E=]E Format F°<TE .LY QgTg4_ *g= P~ÔCCYT *HV MYIZ= ZQPYH
mwbœ‡ekmn trend analysis Kiv n‡q‡Q, hvi gva¨‡g e¨vs‡Ki Znwe‡ji Drm, e¨envi, wefvRb Abyhvqx n«vm/e„w×
P~Ôg.DYL<YFY,TYKYgHCAMELS Rating *L$YgMYg.J\/$YZB.ZEgCN.gMYfKJEWCapital Adequacy,
Asset Quality, Earnings, Liquidity)PYL<[$Y.YgLDYLYHYZQ.IYgHPY5YgEYLGgMHYVg.L$YZB.$HnYP~Ôg.
PQg5%$HZQ=Q,TYP~|HQgH_HYV.gMYL6]XZ.HHnYFEYPVYv§.J.Yª ms‡hvRb Kivi †cÖwÿ‡Z e¨vs‡Ki
f.YLZLkJYgE5gJw80Y%:MY%·HY§HYTE$HnY*HVFdB.6]XZ.HHnYFEYLJYEP~Ôg.PJ.DYL<YMYI.LY
KYgH_ HYV.gMYL ZEL[ZÙ= $YZB. F°Z=gHCE ZHgNÒOg<L FYNYFYZN HYVMYgCN HYVg.L $EYE Z:FY8gJgw8
msiwÿZ Zv‡`i ¸iæZ¡c~Y© Awbqg¸‡jv DRR *PZExgHN.LYQT_E=]E$YZg.L DRR e¨vs‡Ki Avw_©K my¯’Zv
Kvh©Kifv‡e wbY©‡q ¸iæZ¡c~Y© f~wgKv ivL‡e e‡j Avkv Kiv hvq|
/ .]%.ZLZI'ZLgFY8F°H=E
e¨vs‡Ki SzuwKZHgNO.gLJaMDEP~ÔCHHnYFEY'FY5EÙJ=Y=YLM6]XZ.PVgHCEN[M=Y%=YZCfÙg¨
we`¨gvb SzuwK `ªæZ mbv³Ki‡Yi Rb¨ ˆÎgvwmK wfwˇZ mswÿß AvKv‡i e¨vsK¸‡jvi KzBK wiwfD wi‡cvU© (QRR)
ˆZwi Kiv nq| QRR *FaHH=[.gT.h¨JYZPg.L'gMÒ/gKY0=BPZExgHZN=BYg._*LGgM*.Z8HYV.
P~Ôg.PQg5,CÀ=5YEY*HVLÀ=Lf.YgEY6]XZ.cwijwÿZ n‡j Zv n«vmKi‡Y e¨vsK¸‡jv‡K cÖ‡qvRbxq civgk©
F°CYE.LYP~|HQgp4HYVg.L$YZB.ZEgCN.gMYL$AYIYZH.FZLH=E,*L0Z=F°.eZ=P~Ôg. (Dz=E
KZ©„cÿ AewnZ _v‡Kb|
4) Marking to market ZIZ¥.F\EWJaMYTEHHnYF°H=E
K) e¨vsg.LDYL<.e=f85YZLZHM,HgµLMarking to market ZIZ¥.F\EWJaMYTE
Zdwmwj e¨vsK¸gMY=YgCLDYL<.e=PL.YZLZPZ.'ZLZ85gMYPQg5ZHZEJTgKY0P~ÔCPVLÙ<(SLR) wn‡m‡e
HHQYL.gLBYg._PQg5ZHZEJTgKY0P~ÔCPVLÙ<(SLR)ZQPYHYTgELZHOTZ8*Z:FY8gJw8Qg=ZEZHRIYgH
03
Z`viwK KLY QgT BYg._ PL.YZL ZPZ.'ZLZ8g5L %P\ FLH=[ TZHT .YKJ 3YM\ =BY *.Z8 .YK.L
secondary market 3YM\L'g©gNPYgM=GZPZMHYV.gMYLDYL<.e=ZPZ.'ZLZ8g5LJaMYTEP~ÔZ.=
bxwZgvjv Rvwi Kiv nq| cieZx©‡Z 2009 mv‡j D³ miKvwi wmwKDwiwUR¸‡jv marking to market wfwËK
wnmvevqbmn Zv‡`i accounting treatment P~Ôg.ZHNCE[Z=JYMY5YZL.LYQT_
/REPO PVYv§ Uniform ZQPYHL[Z=F°<TE,HY§HYTE
Zdwmwj e¨vsKmg~n KZ©„K wb‡R‡`i g‡a¨ ev evsjv‡`k e¨vs‡Ki mv‡_ miKvix wmwKDwiwU‡Ri REPO msµvšÍ
fMEgCgEAp4=Y$YETgELMgÙPYgM*Z:FY8gJw8Qg=*.Z8E[Z=JYMY5YZL.LYQT_'E[Z=JYMY
ev¯Íevq‡bi d‡j e¨vsK¸‡jvi REPOPVYv§.YKgJ6]XZ.Q
YP*HVPJ=YZHDYEZEZÊ=QgTg4_
HYV.gMYL6]XZ.HHnYFEY
wWcvU©‡g›U Ae Ad-mvBU mycviwfkb e¨vsK¸‡jvi mvwe©K SzuwK e¨e¯’vcbvi w`‡K bRi`vwi Ae¨vnZ ivLvi Rb¨ wewfbœ
Kvh©µg MÖnY K‡i‡Q:
.0Y%:MY%EPF°<TE
evsjv‡`‡ki e¨vswKs e¨HnYT*.Z8ZHNJYgEL6]XZ.HHnYFEYLFZLgHNPdZÍ SzuwK †gvKv‡ejvq SzuwK e¨e¯’vcbvi
JYEHdZ±*HV6]XZ.HHnYFEYPVYv§ .YKgJPJ=Y$YETgELMgÙPYgM*ZHOgTZHNC0Y%:MY%EP
5YL[.LYQgTg4_*0Y%:MY%g·)<6]XZ.HY5YL6]XZ.=YLM6]XZ.FZL3YME6]XZ.f.jNM0=6]XZ.FZLFYME
SzuwK, mybvg nvwbi SzuwK BZ¨vw` wbY©‡qi cÖwµqvi cvkvcvwk cl©` I e¨e¯’vcbv KZ…©c‡ÿi `vq-`vwqZ¡, SzuwK
HHnYFEYL.Y9YgJY6]XZ.PQEÙJ=YLP[JYZEDYL<ZLgFYZ8V F±Z=%=YZCZHNCIYgHH<EY.LYQgTg4_P~ÔZ=
PYgMHYV.f.Y~ÔYE[$Y%E*LPVgNYDE[L$Y,=YTFZL3YMEYFOgCLPCPgCLPJvAgTF°Z=Z8
HYVg.ZLkJYgE5gJw8.ZJZ809gELZEgCNEYfCTYQgTg4KY6]XZ.HHnYFEY.YKJg.$YL,0Z=N[M.gLg4_
*4YRYPYgMF°<[=4TZ8J\/6]XZ.HHnYFEYPVYv§0Y%:MY%EFZLJY5gELHHnY0°Q<.LYQgTg4_
/ Risk Management Paper (RMP) F°H=E
e¨vs‡Ki SzuwK e¨e¯’vcbv msµvšÍ Kvh©µ‡g MwZkxjZv Avbqb, SzuwK e¨e¯’vcbv msµvšÍ KvR‡K e¨vswKs Kvh©µ‡g
e¨envi Dc‡hvMx K‡i †Zvjv, e¨vsK¸‡jvi SzuwK e¨e¯’vcbv msµvšÍ Kvh©µ‡gi g‡a¨ mgZv Avbqb, e¨vs‡K we`¨gvb
6]XZ.PJaQZ3Z×=,ZHgNÒO<ZEZÊ=.LY*HVPgHYFZLHYVg.ZHCJYE6]XZ.ZE<T,=YF°Z=gLYgD.YK.LFCgÙF
MÖn‡Yi AwfcÖv‡q RMP e¨e¯’v cÖeZ©b Kiv n‡q‡Q| e¨vsKmg~n ˆÎgvwmK wfwˇZ RMP `vwLj Ki‡Q|
06]XZ.JaMYTEHHnY F°H=E
e¨vs‡K wHCJYE6]XZ.PJaQPZ9.IYgHFZLJYF.Lg<LF°TYgPHYV.gMYLRisk Rating e¨e¯’v cÖeZ©‡bi wm×všÍ M„nxZ
QgTg4_ * MgÙ HYVg.L ZLk fLZ8V ZE<gTL *.Z8 E[Z=JYMY F°<TE .LY QgTg4_ ' E[Z=JYMYL $YgMYg.
cÖ_gev‡ii g‡Zv 2013 mv‡ji Rvbyqvix-gvP© cÖvwšÍ‡K e¨vsK¸‡jvi wi¯‹ †iwUs wbY©q Kiv n‡q‡Q| Av‡jvP¨ c×wZ‡Z
HYV.gMYL)<HY5YL=YLM%=YZC6]XZ.PQ6]XZ.HHnYFEY.Y9YgJY6]XZ.HHnYFEYFZLFYMEF°IeZ=ZHOgT
e¨vs‡Ki cÖK…Z Ae¯’v g~j¨vqb Kiv n‡”Q| 'gMÒ/E=]EF°<[= CAMELS Rating 0Y%:MY%g·JYgE5gJw8fLZ8V
wbY©‡qi †ÿ‡Î SzuwK e¨e¯’vcbv Kvh©µ‡gi Ici ¸iæZ¡v‡iv‡ci j‡ÿ ewa©Z nv‡i weight cÖ`vb Kiv n‡q‡Q|
F\XZ5HY5YgLZHZEgTY0P~ÔZ.=E[Z=JYMYF°<TE
2010-11 mv‡j cyuwR eY5YgLL$AYIYZH.'¦YEF=gELPJgT=GZPZMHYV.gMYL5E*.Z8E[Z=JYMYF°m=
04
*HVHY§HYTE.LYQTKY=GZPZMHYV.gMYg.F\XZ5HY5YL.YKgJ'u|\=ÙZ=Qg=LÙY.gL_FLH=[PJgT
HYV.gMYLFX\Z5HY5YL.YKJPVYv§HYV.f.Y~ÔYE[$Y%gELZHDYE$ZD.=LK\g0YFgKY0[.LYLMgÙHYV.
f.Y~ÔYE[$Y%E*LF\XZ5HY5YLZHZEgTY0PVZNÒÍDYLYgMYPVgNYDgEL'gCY0fETYQT_%g=YJgDHYV.
f.Y~ÔYE[$Y%EPYMFKv§PVgNYZD=*L$YgMYg.E=]EE[Z=JYMYF°<TE.LYQgTg4*HV'
E[Z=JYMYL$YgMYg.HYV.gMYLFX\Z5HY5YLPVZNÒÍ.YKJg.ZEZHRIYgH=CYLZ..LYQgp4_
%PMYJ[$Yv§WHYV.GYµJYg.8
evsjv‡`‡k Kvh©i=P.M%PMYJ[NL[TYQZIZ¥.=GZPZMHYV.f.Y~ÔYE[,$YZB.F°Z=ÎYE*HVcÖPwjZ avivi
=GZPZM HYV. f.Y~ÔYE[L %PMYJ[ HYVZ.V NY/YPJagQL =YLM HHnYFEYg. $ZD.=L P\PVQ= .LYL MgÙ *
wWcvU©‡g‡›Ui D‡`¨v‡M Islami Interbank Fund Market (IIMF) Pvjy Kiv n‡q‡Q| Bmjvgx kixqvn&wfwËK e¨vsK I
$YZB.F°Z=ÎYE*HVF°3ZM=DYLYLHYVg.L%PMYJ[HYVZ.VNY/YgMY=YgCLZHZEgTY0'²d¥=QZHM%PMYJ[Hµ
dv‡Ûi (IBF) wbKU ˆ`wbK wfwˇZ n¯ÍvšÍi Ki‡Z cv‡i; cÖwZw`‡bi wn‡m‡e †gvU cÖvß Znwe‡ji wewb‡qvMK…Z A‡_©i
Ici AwR©Z gybvdv Znwej mieivnKvix‡`i g‡a¨ AvbycvwZK nv‡i mvgwqKfv‡e e›Ub Kiv n‡q _v‡K|
mvgwqKfv‡e ew›UZ gybvdv wnmve eQi †k‡l †NvwlZ P~ovšÍ gybvdvi nvi wnmv‡e mgš^q Kiv n‡q _v‡K|
kixqvn&wfwËK cÖwZôvb‡K Znwe‡ji ch©vßZv mv‡c‡ÿ Profit Sharing Ratio (PSR) Abymv‡i dvÛ mieivn Kiv nq| evsjv‡`‡k
CÀ=HDEN[M%PMYJ[NL[TYQZIZ¥.HYVZ.V*L5E*Z8*.Z8JY%MGM.ZQgPgHPHJQgMZHgHZ3=QgTg4_
ÔÔ%PMYJ[%w8YLHYV.GYµJYg.8¯¯*ZHZEgTYg0L'g©gN0IEL:$YZ='LLQJYE*LZE.8=QZHgM$BF°CYE
.Lg4ENL[TYQZIZ¥.HYVg.L*.5EZP%,
85YM5YZMTYZ=F°Z=gLYgDAJaMYTEF°Z=gHCE F°H=E
ˆewk¦K g›`vDËi cwiw¯’wZ‡Z FY SzuwK, Zvij¨ SzuwK, cwiPvjb SzuwK, ˆe‡`wkK wewbgq SzuwK, gvwb-jÛvwis BZ¨vw`
6]XZ.PQ5YM5YZMTYZ=F°=YL<Y6]XZ.HYVZ.V/Y==BY$YZB./Yg=L5E*.Z8ÕJZ.ZQgPgHfC/YZCgTg4_
HYVMYgCgNLHYVZ.V/Yg=PY~ÔZ=.PJgTPVNwUZ Avw_©K Rvj-RvwjqvwZi gyL¨ KviY¸‡jvi g‡a¨ e¨vsK¸‡jvi
$Iv§L[<ZETv<,ZEL[ÙY5ZE=C\HM=Y$E=J_HYVg.PV1Z8=5YM5YZMTYZ=$EZIgF°=18EYfLYD.gÇ
wbweo Z`viwKi j‡ÿ¨ “Self-Assessment of Anti-Fraud Internal Controls” cÖwZ‡e`b cÖeZ©b Kiv n‡q‡Q| D³
05
F°Z=gHCEZ8HYV.PJagQLF°DYEZEHYQ[LAYÙgL*HV$Z:8.ZJZ8Lf3TYLJYgELFZ=AYÙgLh¨JYZP.ZIZ¥g=
evsjv‡`k e¨vs‡K `vwL‡ji Rb¨ EgI~AL=YZLg/*.Z8ZEgCNEY5YZL.LYQT_JaMYTEF°Z=gHCEFY9Yg=
*.Z84.,K\.LYQgTg4fK/YgE$Iv§L[<ZETv<,FZLFYMEPYDYL<HYVZ.VFZL3YMEY)<,$Z0°J*HV
Z_¨-cÖhyw³i Ici 50wUi †ewk wbY©vqK i‡q‡Q| e¨vs‡Ki cwiPvjbv cl©`, cl©‡`i †Pqvig¨vb I cÖavb wbe©vnxi
5HYHZCZQ=Y HdZ± *HV 5YZMTYZ= , F°=YL<YJaM. =UFL=YL F°H<=Y F°Z=gLYgD $Iv§L[< ZETv< HHnYZCL
.YK.YZL=YL,FLCYZ/M.e=PJaMYTEF°Z=gHCEHYVMYgCNHYV.FKYgMY3EYFaH.ZC.ZEgCNEYF°CYE.Lg4*HV
=BYZCLPZ9.=YKY3Y%gTEJ\EYZIZ¥g=PgL5ZJEFZLCNEFZL3YMEY.LYQgp4_*LGgMFOC,HHnYFEYL
fKjB 5HYHZCZQ=Y ZEZÊ= .LY P~|H QgTg4 HYV.gMY =YgCL CaHM=Y Z3Z×= .Lg= Pg3Í QgTg4 *HV
Rvj-RvwjqvwZ cÖwZ‡iv‡a cÖ‡qvRbxq e¨e¯’v MÖn‡Y Av‡iv †ewk mwµq n‡q‡Q|
fÑPf8ZÑVHHnY,0Y%:MY%EPF°H=E
e¨vsK I Avw_©K cÖwZôvb¸‡jv‡Z SzuwK enb ÿgZv hvPvB Kivi R‡b¨ †÷ªm †Uw÷s (stress testing) †KŠkj cÖeZ©b Kiv
QgTg4_P~|YH6]XZ.LJ\g/HYVMYgCgNLHYV.HHnYL6]XZ.PQEÙJ=YFZLJYgFL5EH=JYgEh¨JYZP.ZIZ¥g=fÑP
f8ZÑV*LJYDgJ)<HY5YL,=YLM6]XZ.LHHnYFEY'ExTEP~|HQgp4KYHYV.gMYg.$Y0YJP=.=YZQgPgH
6]XZ.F°NJgEL5gEF°gTY5E[T,PZ9.FCgÙF0°Qg<PYQYK.Lg4_HYV.gMY,D[gLD[gL*LGgMP~|YH6]XZ.
wel‡q g‡bv‡hvMx n‡”Q| †÷ªm †Uw÷s wel‡q wWcvU©‡g›U Ae Ad-mvBU mycviwfkb KZ©„K cÖYxZ MvBWjvBb&mwU eZ©gv‡b
EH0Z9=ZGEYZ·TYMÑYZHZMZ8Z:FY8gJw8.=d.$E\Pd=Qgp4*HV'Z:FY8gJw8*ZHOTZ8=CYLZ..Lg4_
F°YZ=ÎYZE..Y9YgJY0=PVkYgLL$Y,=YT$E\Pd=P\FYLZINEf.jNM
6]XZ.HHnYFEY%'ZE809E
gy³ evRvi A_©bxwZi †cÖÿvc‡U AvšÍR©vwZK ixwZbxwZi mv‡_ mvgÄm¨ weavb, evsjv‡`‡ki e¨vsK¸‡jvi
JYgEYExTgEL JYDgJ ZHgCN[ HYV.gMYL PYgB P~Ô. 'ExTE HYV.gMYL $Iv§L[< ZEL[ÙY f5YLCYL.L<
5YM5YZMTYZ= F°Z=gLYD ZHN JwCY $HnYT HYV.gMYL PYZH. $YZB. $HnY PJ\Ex= LY/Y IZHO= P~|YH
6]XZ.PJagQLGgM'u|a=ÙZ=fJY.YgHMYL5E$ZI1Y=fNYO<ÙJ=YHdZ±*HVPgHYFZL$YZB./Yg=ZnZ=N[M=Y
H5YTfLg/.YZqÙ=F°HdZ±$5E.LYLMgÙPYgMHYV.gMYL5E$E\PL<[TfJY8Z8f.YLZLk
g¨v‡bR‡g›U MvBWMY%·Asset Liability Management, Credit Risk Management, Anti Money Laundering,
Foreign Exchange Risk, Internal Control and Compliance - Bm¨y Kiv nq| cieZ©x‡Z e¨vswKs e¨e¯’vq
=BF°K\ZL HYF. HHQYL ZEZÊ=.gÇ PYgM Information Communication and Technology bv‡g
$YL,*.Z8f.YLZLk0Y%:MY%EP%P\.LYQT_*4YRY)<6]XZ.Q
YgPLMgÙPYgM Credit Risk
Grading Manual*HVPYgMHYgPMHY§HYTgEL'g©gNRisk Based Capital Adequacy MvBWjvBb&&m
Bmy¨ Kiv nq| Kvh©Ki SzuwK e¨e¯’vcbvi j‡ÿ¨ FY SzuwK, evRvi SzuwK, Zvij¨ SzuwK, cwiPvjb SzuwK BZ¨vw` SzuwK
PEY.L<ZHgNÒO<,=YQ
YP.L<*HV$Y0YJP=.[.Lg<L$VNZQgPgHPYgMHYV.gMYg=FdB.6\XZ.
HHnYFEY%'ZE8Z:ZINEZ:FY8gJw809E.LYL5EZEgCNF°CYE.LYQT_0Z9=%'ZE8Z:ZINEHYVZ.V6]XZ.
ZHgNÒOg<CÙChief Risk OfficerEaE=JZ:*JZ:FKYgTL*L=¥{YHDYgEFZL3YZM=Qgp4_*gMYHYVg.L
ZE5APYV09ZE..Y9YgJYI\fBg.fKf.YgEYDLgEL6]XZ.PV.8fJY.YgHMYTFaHF°mZ=0°Q<*HVF°Y=ZQ.IYgH
cÖavb wbe©vnx Kg©KZv©‡K Zv AewnZ ivL‡Q| e¨vswKs Lv‡Zi SzuwK e¨e¯’vcbvi KvR Z`viwKi j‡ÿ evsjv‡`k
e¨vs‡Ki Ad-mvBU mycviwfkb wWcvU©‡g‡›U SzuwK e¨e¯’vcbv Z`viwK kvLv †Lvjv n‡q‡Q| e¨vsK¸‡jv Zv‡`i SzuwK
HHnYFEY.YKJPVYv§ =BYZCh¨JYZP.ZIZ¥g=*NY/YTCYZ/M.Lg4*HV*NY/YF°Z=Z86]XZ.ZHgNÒO<
KiZt e¨vsK¸‡jv‡K cÖ‡qvRbxq wb‡`©kbv cÖ`vb Ki‡Q|
06
HdQCYV.)<JZE8ZLVPG8,TYLF°H=E
e„n`vsK FY cÖ`v‡bi †ÿ‡Î DbœZZi 6]XZ.HHnYFEYZEZÊ=.L<*HV)g<Lf.ZwCIa=.L<fLYD.gÇ*ZHIY0
fBg. ZHZIEx 'gCY0 0°Q< .LY QgTg4_ P~ÔZ= QYMEY0YC ZP$Y%ZH F°Z=gHCE FKYgMY3EY fZ:8 ZLk f0°Z:V
ZP$YLZ5F°Z=gHCE,0°YQg.L=BPVLÙ<F°gTY5gEPJTPJT=YFKYgMY3EYLZEZJg¥*HV*.%PYgBPJ0°
HYVZ.V/Yg=L0Z=F°.eZ=ZELcFg<HdQCYV.)<JZE8ZLVPG8,TYL3YM\ .LYQT_*PG8,TYLfBg.ZHZIEx
F°.YLZLgFY8F°m=FaH.FKYgMY3EYLJYDgJPVZNÒÍHYV.PJaQg.F°gTY5E[TZC.ZEgCNEYF°CYE.LYQgp4_
16 †deªæqvwi 2013 Zvwi‡L ®®Large Loan SoftwareÕÕ'g²YDE$E\ÎYgEHHLY/g4Ef:F\Z80IEL *PfK myi †PŠayix
eZ©gv‡b evsjv‡`k e¨vs‡Ki Ò†µwWU Bbdi‡gkEH\gLYZP$Y%ZH*LJYDgJLarge Loan Monitoring Software
*L PYgB ZMV. nYFgEL ZHOTZ8 F°ZTYD[E LgTg4_ *L GgM HdQCYV. )< 0°Q[=YL ZP$Y%ZH ZLgFY8 FKYgMY3EYL
welqwU Av‡iv MwZkxj n‡e e‡j Avkv Kiv hvq |
16 †deªæqvwi 2013 Zvwi‡L ®®Large Loan SoftwareÕÕ'g²YDE$E\ÎYgEHHLY/g4EJQYHHnYFK*P*JLZH'MQYPYE
07
HYV.P\FYLZINEfÔNYZMÑ.Y9YgJYF°H=©b
e¨vsKmg~Qg. $YgLY ZEZHRIYgH FKgHÙ< *HV HYV.gMY P~Ôg. ZHgNO P\FYLIY%5YL 0gR f=YMYL j‡ÿ¨
HYV.P\FYLZINEfÔNYZMÍZH*P*P.Y9YgJY3YM\ .LYQgTg4_*.Y9YgJYg=HYV.P\FYLZINEfÔNYZMÍ
QgME'FJQYHHnYF.FKYgTL_F°§YHEYZ4MCN5EZH*P*P*LF°g=g.L$D[gEZ8.gLNY/Y
ZQgPgH Z8 ZH*P*P NY/Y BY.gH ZH*P*P0<g. PQYT=Y .LYL MgÙ F°Z=Z8 HYVg.L 5E *.5E
K\0FZL3YM. FKYgTL 5\ZETL HYV. P\FYLZINE fÔNYZMÍ BY.gHE *HV F°Z=Z8 ZH*P*P NY/YT 5E
Dc-cwiPvjK/mnKvix cwiPvjK _vK‡eb|
wWcvU©‡g›U Ae $GPY%8 P\FYLZINgEL FagHL .Y9YgJYg= F°g=. .J.=Y% F°g=. HYVg.L 5E CYZT={N[M
Z4gME_*.Z8HYVg.L5Ef.YgEYZHNC:Y8YgH5Z4MEYPVgNYDEJaM.FCgÙFPJaQZHZp4ExIYgH0°Q<.LY
Qg=Y_ZH*P*PHHnYTHYV.P\FYLZINEfÔNYZMÍ=XYL,FLE§ HYVKmg~‡ni AvMvg mZK©evZ©v cÖ`vbKvix
.J.=Y ZQgPgH CYZT={ FYME .LgHE_ PVZNÒÍ HYV.PJagQL .J.Yµ FKgHÙ<.YgM FZLMZÙ= $ZETJ
¨ÀZ8ZH3]Z=%=YZCf0Y3L[Ia=QgMZ=ZE=Y$EZ=ZHMg~A(Dz=E.=dFgÙLE5gL$YEgHE_ZHZIEx'UPQg=F°Y¹
Z_¨vw`i wfwˇZ cÖ‡qvRbxq dig¨vU Abyhvqx Zuvi AvIZvaxb e¨vsKmg~‡ni mvgwMÖK Ae¯’v, Kg©`ÿZv, bvbvwea
6]XZ.FZLZnZ=.gFYgL80IgE·.Y9YgJY%=YZC=BPVLÙ<.LgHE_HYV.gMYLZHOgTHYVMYgCNHYVg.L
$EYEZHIY0fBg.PY~ÔZ=.=BPV0°Q,=CYE\KYT[F°gTY5E[THHnY0°Q<.LgHEHYVg.L(Dz=E.=dFgÙL
PYgBfKY0YgKY0LÙY,ZETJYE\KYT[PIYL$YgTY5E.LgHE_5\ZETLHYV.P\FYLZINEfÔNYZMÍ=XYL,FLE§
HYV.PJagQLf85YZL.J.YµJaMDEFKY¹=Y)<$YJYE=QYL)<F°HdZ±$GHYgM·N[8*gFY5YP.MJYZE
HgLYZTV,=YLMFZLZnZ=%=YZCPVgHCEN[M$YZB.ZEgCN.PJaQFKgHÙ<.LgHE*HVf.YgEY'g²05E.
FZLZnZ=FZLMZÙ=QgM$EZ=ZHMg~A =Y(Dz=E.=dFÙg.$HZQ=.LgHE_ZETZJ=Z.'$YL$YLZ:$YL$YL
F°m=.LgHEFOCZEL[ÙY.ZJZ8*ZZ.'Z8I.ZJZ8*HV6]XZ.HHnYFEY.ZJZ8LPIYL.YKZHHL<[FL[ÙY,
ch©‡eÿY Ki‡eb|
*FKv§ FL[ÙYJaM.IYgH4TZ8ZH*P*P.YKJÉLÀ.gLg4_*g=F°Z=Z8NY/YT*.5EZH*P*P*L
Aax‡b 2 Rb Rywbqi HYV.P\FYLZINEfÔNYZMÍ*HV5E'FFZL3YM.PQ.YL[FZL3YM..Y5.Lg4E_
Z8HYV.4T5EZH*P*P*LJgDZEgJxYIYgHIY0.gLfCTYQgTg4W
08
4) K‡c©v‡iUfJgJYZi e¨HnYFEYF±Z=F°H=E
e¨vsK I AvwB.F°Z=ÎYgEL.J.=Y,FZL3YM.HegwCLHYVZ.VNdq/MYIgLEYEY18EYPVLÙ<*HVFLH=[g=*%
msiwÿZ Z_¨ ch©v‡jvPbvi gva¨‡g h‡_vchy³ wm×všÍ MÖnY I Zv ev¯Íevq‡bi D‡Ï‡k¨ I‡qewfwËK K‡c©v‡iU †g‡gvwi
e¨e¯’vcbv c×wZ Pvjy Kiv n‡q‡Q| †`‡k weivRgvb Avw_©K cwiw¯’wZ‡Z e¨vsK¸‡jvi wewfbœ ch©v‡qi Kg©KZ©v I
cwiPvjKe„‡›`i wKQz Awbqg‡K wPwýZ KgL%g=YJgD%*%F±Z=g=F°gTY5E[T=BPVLÙ<.LYÉLÀQgTg4_
m‡3=E=YJ~M..JPaZ3
6]XZ.HHnYFbv msµYv§.JNYMY$YgTY5E
e¨vsK¸gMYL 6]XZ. HHnYFEYL PYgB PVZNÒó Kg©KZ©v‡`i‡K SzuwK e¨e¯’vcbv MvBWjvBb&m wel‡q we¯ÍvwiZ aviYv
cÖ`vb, e¨vsK KZ…©K cÖYxZ RMP ¸‡jvi g‡a¨ mvgÄm¨ weavb, e¨vswKs Lv‡Z we`¨gvb cÖavb cÖavb SzuwKmg~n
Z3Z×=.L< , =Y F°Z=gLYgD .YK.L FCgÙF 0°Qg< PÙJ=Y HdZ± PgHYFZL 6]XZ. HHnYFEYL PYgB P~Ôd
HYV.gMYL .J.=YgCL 6]XZ. HHnYFEY ZHOgT PÙJ=Y HdZ±.Lg<L F°TYgP PVZNÒÍ .J.=YgCL 5E Z:gP~AL
2012 gv‡m 5wU w`be¨vcx Workshop mdjfv‡e Av‡qvRb Kiv nq|
15 bgI~^i 2012 Zvwi‡L ®Risk Management WorkshopÕ'g²YDE$E\ÎYgEHHLY/g4Ef:F\Z80IELAvey †nbv †gvnvt ivRx nvmvb
®Risk Management WorkshopÕ'g²YDE$E\ÎYgEZEHYQ[FZL3YM.fJYQY~CE,NYC$YM[f3jD\L[*HVJQYHHnYF.*P*JLZH'MQYPYE
09
mycviwfkb msYv§8Y'EQMmfv
evwYwR¨K e¨vs‡KLZHZHD.J.YgªLPY‡_ RwoZ c×wZMZ I cwiPvjb SzuwK n«v‡mi j‡ÿ¨ e¨vsK¸‡jvi cÖvwZôvwbK
mykvmb (corporate governance) I Af¨šÍixY wbqš¿Y (internal control) F°ZTY $YL, NZNYM[.L< *HV
HYVMYgCN HYVg.L =CYLZ. .YKJ f5YLCYL.Lg<L JYDgJ ZHCJYE , IZHOU P~|YH HHPYZT. 6]XZ. ZE<T
g~j¨vqb I wbqš¿‡Yi Dci ¸iæZ¡v‡iv‡ci Rb¨ mycviwfkb msµvšÍ UvDb nj mfvi Av‡qvRb Kiv nq| evsjv‡`k
HYVg.L P\FYLZINgEL ZHOTgMYg. $YgLY PJZvA= .Lg= JY9 FKYgTL P\FYLIY%5YLgCL .Y4 fBg. HY§H=Y
5YEg=*HV=YL$YgMYg.P\FYLZINE.YKJg.$YgLYNZNYM[.gLP\FYLZINgEL*.Z8E=]E.Y9YgJYh=ZL
.Lg=F°gTY5E[TE[Z=JYMYF°<TgEL'g©gN*ZHIYg0L'gCYg0PVZNÒÍ.J.=YgCLZEgT;Y.YT5Y=[TIYgH*HV
$YZM.FKYgT.gT.Z88Y'EQMPIY.LYQgTg4_
17 †m‡Þ~AL=YZLg/HYVMYgCNHYV.f8ZEV*.Yg:J[;Y.YT$YgTYZ5=
F°BJ8Y'EQMPIYTHHLY/g4EHYVMYgCNHYVg.L0IEL:$YZ='LLQJYE
fPg¸~AL=YZLg/HYVMYgCNHYV.f8ZEV*.Yg:J[;Y.YT$YgTYZ5=
cÖ_g UvDb nj mfvq e³e¨ ivL‡Qb evsjv‡`k e¨vs‡Ki †WcywU Mfb©i Aveyj Kv‡mg
10
cÖvq me¸‡jv e¨vs‡Ki cÖavb.YKYMT;Y.YT5Y=[TFKYgTPL.YZLfHPL.YZLPHLÀ={Fa<F°Pg$YgMY3EY,ZP±Yv§
;Y.Yg=%fETYQgTBYg._Z.vm HYV.HHnYPQfCgNL$BiEZ=..J.YgªL*.8YHR$VN;Y.YLHY%gLZH§d=_
=Y% ;Y.YL HY%gLL 0°YQ.gCL AYB LÙYgB *HV NY/Y FKYgT HYV.gMYL ZEILgKY0=Y , fPHYL JYE 'ExTgE
P\FYLZINE.YKgJLIbZJ.YLgTg4_*5ENY/Y$ZGPgMYLF°Z=HYRZ=E5LfCTYQgp4_GY%EYZ·TYM%E.]NE
.JPaZ3HY§HYTgEZHgNO.gL.eZO*P*J%EYL['gCYY,FZLgHNHY¶H/Yg=)<ZH=L<,$YCYT*HV0°YQ.
†mevi gv‡bvbœq‡bi j‡ÿ ¯’vwcZ MÖvnK ¯^v_© msiÿY †K‡›`ªi Kvh©µ‡g kvLv Awdm¸‡jv ¸iæZ¡c~Y© f‚wgKv cvjb Ki‡Q|
*ZHgH3EYT0=C\¯H4gL;Y.YLHY%gLfHN.gT.Z88Y'EQMPIYL$YgTY5E.LYQgTg4_
18 gv3=YZLg/3 0°YgJ$E\ZÎ=$YZM.8Y'EQMPIYTHYVMYgCNHYVg.L0IEL:$YZ='Lingvb, wbe©vnx cwiPvjK
fJYQY~CE,NYC$YM[f3jD\L[P\FYLIY%5ZL*:IY%5YLf0ÒE8YPZ.,f3JYgE5gJw8*:IY%5YL$YMÒYQJYZM..Yg5ZJ
*me mfvTJY9FKYgTLP\FYLIY%5YLgCLF°gTY5E[TZC.ZEgCNEYfCTYQgTg4_HYV.NY/YgMYLFYMÖnxZv‡`i
F°.e=$Z§={$Yg4Z.EYHYV.gMY0°YQg.LPg0gR,9YF°.e=P~Ôd=Y$YRYM.Lg4Z.EY$gFÙY.e=IYgH.J
fMEgCE Q,TY NY/YT F°DYE .YKYMgTL JgEYgKYg0L $IYH LgTg4 Z.EY HY * P.M NY/YL Pg F°DYE .YKYMgTL
fIjg0YZM.CaL={.=8].];Y.YLZEHYQ[HHnYFEYLPgNY/YHHnYFEYL=]MEYJaM..JP~\/PIYQgp4Z.EY$E
f.YgEY.YLg<*PHNY/YTHZQW,$Iv§L[<5YZMTYZ=LP~|YHEYLgTg4Z.EYfPZCg.=[ÙÂ E5LLY/Y*HVZE5P
F°YHHQYL.gL*PH$ZETJKY3Y%.LYi Rb¨ mycvifvBRvi‡`i wb‡`©kbv †`qv n‡q‡Q|
11
*wcÖj 201=YZLg/HZLNYgM$E\ZÎ=$YZM.8Y'EQMPIYTHYVMYgCNHYVg.L0IEL:$YZ='LLQJYEZEHYQ[FZL3YM.fJYQY~CE,NYC$YM[f3jD\L[
Av‡jvP¨ UvDbQMPIYgMYg=HYVZ.VP\FYLZINE*:IY%5YLf0ÒE8YPZ.P\FYLZINEPVYv§ZHZIEx3YgMZHOT.
Zuvi presentation Zz‡j a‡ib| ZvQvov, UvDb nj mfv¸‡jv‡Z Av‡jvPbvi gva¨‡g †h mg¯Í cÖv_wgK aviYv D‡b¥vwPZ
n‡q‡Q, Zv fwel¨‡Z Avw_©K Lv‡Zi w¯’wZkxjZv eRvq ivL‡Z Dchy³ bxwZgvjv I MvBWjvBb&m cÖYqb I Zv
Kvh©Kifv‡e ev¯Íevq‡bi †ÿ‡Î mnvqK f‚wgKv cvjb Ki‡e|
EgI~AL012 Zvwi‡L LyjbvT$E\ZÎ=$YZM.8Y'EQMPIY
12
8Y'EQMPIYPJaQ
mfvi =vwi/
17 †m‡Þ~^i 2011
mfvi nvb
;vKv
Av,=vD[b Awdm
cÖavb Kvh©vjq, ;vKv
J~j welTe‘
Ôe¨vswKs /v‡=i mJmvJwTK 3¨v‡jÄ Ges
(Contemporary
=`viwKi
fw½|¯
Challenges in the Banking Sector
and Supervisory Stance).
18 gvP© 2012
PÆMÖvg
PÆMÖvg I wm‡jU
kvLv ch©v‡q e¨vswKs DrKl©Zv mvab I mZZv
(Promoting Banking Excellence and
Integrity at the Branch Level)
12 *wcÖj 2012
ewikvj
ewikvj
mycviwfkb msµvšÍ gy³ Av‡jvPbv|
15 RyjvB 2012
ivRkvnx
ivRkvnx, e¸ov I iscyi
ÔAwDK=i kw³kvj[ kv/v Jv‡bB AwDK=i
kw³kvj[ e¨vsK; kv/v cK©v‡T 6]XwK wbTš¿‡<i
JvD¨‡JB ={ivwšA= QT e¨vs‡Ki Jybvdv|¯
(Stronger Branches, Stronger Banks:
Controlling Risks and Enhancing
Returns at the Branch Level)
11 b‡f~^i 2012
Lyjbv
Lyjbv I ewikvj
ÔAvwB©K m==vW kv/v cK©v‡T cwi3vjbv 6]XwK
e¨envcbv Ges iÀ=i ÿw= cwiQvi|¯
(Financial
Integrity:
Managing
Operational Risks and Avoiding
Serious Losses at the Branch Level)
*ZZ.'Z8IZLZ8g8P\FYLZINE.Y9YgJYf5YLCYL.Lg<L,FLLÀ={YgLYF
evsjv‡`k e¨vsg.LJQYHHnYF.fBg.ÉLÀ.gL(Dz=EP.M.J.=YgCLZEgT*ZZ.'Z8IZLZ88$YgTY5E
.LY QT 5\MY% =YZLg/_ *HYgLL ZLZ8g8L JaM fGY.YP Z4M HYVMYgCN HYVg.L P\FYLZINE .Y9YgJY
kw³kvjxKiY_ *% ZLZ8g8L Z²=[T ZCgE HYVMYgCN HYVg.L PYgH. 0IEL : fJYQY~C GLYP'Z©E ®Banking
Supervision: Emergining Challenges and Evolving ToolsÕ ZHOgT *.Z8 fPNE FZL3YMEY .gLE_ *ZHZH¯L
f3TYLJYEfJYWEaLÀM$YZJEfPYEYM[HYVg.LPYgH.HHnYFEYFZL3YM.fJYQY~CfQYgPE*HVHYVMYgCN e¨vs‡Ki
HYVZ.VP\FYLZINE*Y:IY%5YLf0ÒE8YPZ.*g=HHLYg/E_*4YRYHYVZ.V/Yg=PY~ÔZ=.PJgTPV1Z8=
$ZETJ *HV$YZB./Yg=ZnZ=N[M=YLÙYTHYVMYgCNHYVg.LIZHOU3YgMfJY.YgHMYL,FLFY,TYLFgTw8
†cÖ‡R‡›Ukb I †KBm ÷vwW Dc¯’vwcZ nq|
13
JQYe¨HnYF.Pg~ME
Avw_©K LvZ Z`viwKi Kvh©Kvwi=Y =[ÙÂ=L .LYL ZHOgT JQYHHnYF.0< , (Dz=E ZEHYQ[Hg0L PJEgT 0= fPg¸~AL=YZLg/HYVMYgCNHYVg.LF°DYE.YKYMgT*.Z8Pg~ME$E\ZÎ=QT_'Pg~MgELP\FYZLNJYMYL
Av‡jv‡K cwi`k©b I mycviwfkb wefvM¸‡jvi Kvh©µg cybwe©b¨¯Í .LY QgTg4_ JQYHHnYF. Pg~MgE HYVMYgCN
HYVg.L(Dz=EZEHYQ[0<3YLZ8CgMZHIQgTRvj-RvwjqvwZ mbv³KiY I cÖwZ‡iv‡a e¨vsK¸‡jvi wbR¯^ Af¨šÍixY
Z`viwK I wbqš¿Y e¨e¯’vi cwi`k©b I g~j¨vqb; Ad-mvBU mycviwfkb Kvh©µ‡gi cÖwZ‡e`b I Avw_©K weeiYx¸‡jv
fBg. PVZNÒÍ HYV.gMYL F°=YL<Y5YZMTYZ=ZHZDHHnYL LÀ=L Mq1EJaM. .YK.MYF PEY .LYL P~|YH=Y
ZELcF<FZLCZN=HYV.NY/Y.YKYMgTLF°DYEF°DYEC\HM=Y$ZETJZ3Z×=.LYTHYVMYgCNHYVg.LFZLCNE
22 †mg¸~Ai 2012 ZYZLg/HYVMYgCNHYVg.$E\ZÎ=®JQYHHnYF.Pg~ME¯*LfFÒEYZLfPNgEHHLY/g4E0IEL:$YZ='LLQJYE
`j¸‡jvi cvi`wk©Zv evRYgEYLP~|YH.MYg.jNM*HVhHgCZN.J\CYTZHZDHZQIb=Z:ZMV,JaMDEcvPv‡ii Kvh©Kjvc
wPwýZ Kiv I cÖwZweav‡b cwi`k©b `j¸‡jvi ZrciZv I mvg_¨© evov‡bvi Kjv‡KŠk‡ji Ici Av‡jvPbv I gZwewbgq
.LYQT_FLH=[g=CMgMY$YHYL*.PgfFÒEYZLg=ZJZM=QgTZE5ZE5P\FYZLNJYMY'FnYFE.gL_$Yv§5YZ=.
$B=QZHM$Y%*J*G*LfPj5gEFY,TYHYVMYgCNHYVg.LC\¯5EP\FYLZINEZHgNOgL$VN0°Qg<$YgMY3EY
fPNEgMYPJd±QgT,g9_ZCEfNgOPJYFE[FgH(Dz=EZEHYQ[gCL$ZI=YL$YgMYg.$ZHMg~A,C[1=LfJTYgC
HYVMYgCNHYVg.L.L<[TP~Ôg.P\ZEZCÍZ.4]P\FYZLNFY,TYKYTKYLZIZ¥g=ZHCJYEP\FYLZINEg.$YgLY'Ex=
I Kvh©Ki Kivi KvR Pj‡Q| e¨vs‡Ki Kg©Kv‡Ûi †h w`‡K SzuwK †ewk †mw`‡K ¸iæZ¡ w`‡q kvLv ch©v‡q we‡kl
FZLCNgEL ,FL f5YL fCTY Qgp4_ $GPY%g8 PV0dQ[= =B'FY¥ ZHgNÒO< , FKYgMY3EYL ZIZ¥g= P~|YH C\HM
w`K¸‡jv wPwýZ K‡i Zvi wfwˇZI m‡iRwg‡b kvLv¸‡jv cwi`k©b Kiv n‡”Q|
14
22 †m‡Þ~AL=YZLg/HYVMYgCNHYVg.$E\ZÎ=®JQYHHnYF.Pg~ME¯
*LfFÒEYZLfPNgEHHLY/g4Ef:F\Z80IELEY5E[EP\M=YEY
evsjv‡`‡ki PJ0°ZGEYZ·TYMZPgÑgJLFinancial Soundness Indicators (FSIs)
ZE<T.L<,$Y%*J*G,gTHPY%g8$YFgMY:.Lg<L'gCY00°Q<
wewb‡qvMKvix, wewfbœ ¯^v_© PVZNÒÍfCNPVnY,=YgCL$V0PV09EgMY.=e.ZHZIExfCgNL$YZB.$HnYP~Ôg.
$HZQ= Q,TY *HV =]MEYJaM. ZH3YL ZHgNÒOg<L P\ZHDYgB %w8YLEYNEYM JZE8ZL GYµ $Y%*J*G *L PCP
†`k¸‡jv‡K Zv‡`i mvgwMÖK Avw_©K Lv‡Zi Financial Soundness Indicators (FSIs) ZE<TFaH. $Y%*J*G
I‡qemvB‡U Avc‡jvW Kivi civgk© w`‡q Avm‡Q| Avw_©K LvZ ej‡Z Zdwmwj I A-Zdwmwj e¨vsK, bb-e¨vswKs
$YZB.F°Z=ÎYEJY%gYGY%EY·%·Z8Z8'NEP%·\gL·f.Y~ÔYE[PJHYTHYV.$EYEZGEYZ·TYMf.Y~ÔYE[
Ab¨vb¨ EEZGEYZ·TYM f.Y~ÔYE[ %=YZC H\6YT_ PYM FKv§ Z8 PCP fCN =YgCL FSIs *.[Ia= K‡i
$Y%*J*G ZEDYZL= ,gTHPY%g8 $YFgMY: .Lg= PJB QgTg4_ HYVMYgCN HYV. $CYHZD * .Yg5 PJB QTZE_
we‡k¦i Ab¨vb¨ †`‡ki Kv‡Q evsjv‡`‡ki Ae¯’vb Zz‡j ai‡Z Z_v wewb‡qvM AvKl©Y Kivi j‡ÿ¨ wWcvU©‡g›U Ae
$GPY%8 P\FYLZINE $Y%*J*G *L .YZL0ZL PQYT=YT HYVMYgCgNL $YZB. /Yg=L FSIgMY *.[Ia= .gL
$Y%*J*GZEDYZL=,gTHPY%g8$YFgMY:.LYLFCgÙF0°Q<.gLg4_%g=YJgD*=Z²OgT$Y%*J*G*L.YZL0ZL
PQYT=Y ZHOT. Z8J HYVMYgCN HYVg.L .Z=FT .J.=Yg. F°gTY5E[T F°ZNÙ< F°CYE .gLg4_ * 'gCYg0L GgM
HYVMYgCNHYV.F°YLZ~|.IYgHP.M=GZPZMHYV.*HVEEHYVZ.V$YZB.F°Z=ÎYgELPYgML=BYZC*.[Ia=
K‡i FSIgMYZE<TFaH.$Y%*J*G*LZEDYZL=,gTHPY%g8$YFgMY:.Lg=PÙJQgH_FLH=[g=FKYTgJ
JY%gYgZ:8%·Z8Z8'NEP%·\gL·f.Y~ÔYE[$=GZPZMHYV.PJHYTHYV.$EYE$$YZB.cÖwZôvbmg~n‡K
*F°.gÇL$Y,=YT$YEYQgH_*/EQg=$Y%*J*G.=e.OYEYZP.ZIZ¥g=F°.YZN=$YZB.Pa3.P~AZM=H%gT
HYVMYgCgNL=BYZCPZExgHZN=QgHKYLJYDgJ$EYEfCgNLP~|YHZHZEgTY0.YL[0<HYVMYgCNP~Ôg. 5YEg=
FYLgH*HVZHZEgTYg0'UPYZQ=QgHHgM$YNY.LYKYT_PgHYFZLHYVMYgCN$Y%*J*G*LZE.8PVZNÒÍZHOgT
.~ÔÒYgTw8fCNZQgPgH0<QgH_
15
$Y%*J*G*L.YZL0ZLPQYT=YZHOqK wUg evsjv‡`‡ki Avw_©K Lv‡Zi FSIgMY*.[Ia=.gL$Y%*J*G
*LZEDYZL=,gTHPY%g8Avc‡jvW Kivi wel‡q evsjv‡`k e¨vs‡Ki Kg©KZ©v‡`i cÖwkÿY cÖ`vb Ki‡Q
evsjv‡`k e¨vs‡Ki Ab¨vb¨ ZHIY0Qg=0dQ[=ZHZIExE[Z=JYMY,F°YZ=ÎYZE.
.Y9YgJY0=PVkYgLL$Y,=YTF°Z=ZÎ=P\FYLZINEf.jNMPJaQ
JaMDEmsiÿ< cKgeÙ<
g~jab ch©vßZv e¨vs‡Ki Avw_©K my¯’ZY , ZnZ=N[M=YL ZEgCN. *HV HYVg.L P~|YH ÙZ=L $ZI1Y= f_‡K
$YJYE=.YL[gCLP\LÙYLQYZ=TYL_*Z8F°DYE$YZB.6]XZ.PJaQfJY.YgHMYTPQYT._mvj †_‡K Szwu KwfwËK
JaMDEFKY¹=Y.Y9YgJYF°H=E.LYQgTg4_HYVMYgCgN%g=YJgDHYV.gMYLg~jab ch©vßZv msµvšÍ AvšÍR©vwZK
HYgPME[Z=JYMYHY§HYTE.LYQgTg4_HYVMYgCNHYV.HYV.gMYLJaMDEFKY¹=YLQYL6]XZ.IYZL=P~ÔgCL
Ab~¨b kZKiv 10 fvM wba©viY K‡i‡Q|
wek¦g›`vD¥L$YZB.ZnZ=N[M=YZEgTPdÍ'g²g0LGgMJaMDEFKY¹=YPVYv§$Yv§5YZ=.PgHY¥JL[Z=F±Z=L
ms‡kvab I cwieZ©b K‡i wewfbœ †`‡k e¨v‡mj-3 bxwZgvjv ev¯Íevq‡bi Rb¨ c`‡ÿc †bqv n‡”Q| evsjv‡`‡kI
HYgPMHY§HYTgEL5gEF°YBZJ.FCgÙFZQgPgH*.Z8FBE.NYHYfLY:JYFF°<TE.LYQgp4_$YLfP
fLY:JYF$E\KYT[PYJgELZCg.*Z0gTKYHYLF°g3ÍY,$HYQ=ivLv n‡q‡Q| wWcvU©‡g›U Ae Ad-mvBU mycviwfkb
e¨v‡mj-2 bxwZgvjv cÖYqb I ev¯Íevq‡bi mv‡_ F°BJfBg.%P~Ôd_HYV.gMYLJaMDEFKY¹=YLQYL (CAR)
JZE8ZLV*L5E*Z:FY8gJgw8L*.Z8NY/Y.Y5.Lg4_HYgPM*L=YLMPVYv§LÀ={Fa<$E\FY= (LCR
*HV NSFR) wba©viY I ev¯ÍevqgELZHOgT*Z:FY8gJgw8L$FL*.Z8NY/YZELMP.Y5.gLKYgp4_
*w8YLF°Y%5:Y8Y,TYLQY'5 (EDW) 3YM\.L<
†`‡ki Avw_©K I e¨YVZ.V/Y=P\Î]FZL3YMEYLfÙg¨HYVZ.V/Yg=$YD\ZE.YTE,$g8YgJNE/\H%5LÀL[_*5E
HYVMYgCNHYV.HÕJ\/[FCgÙF0°Q<.gLg4_*$g8YgJNgELfÙg¨*w8YLF°Y%5:Y8Y,TYLQY'5*.Z8.YK.L[
HHnY_ GgM HYVMYgCN HYVg. f.wC[T =B IYµYL ZQgPgH *.Z8 :Y8Y ,TYLQY'5 F°Z=ÎY .LY QgTg4_ *L
16
$Y,=YT*.Z8Fa<Y:Y8YfPw8YL3YM\ LgTg4_H=JYgEP.MF°.YLPYJZÍ.$BE[Z=,HYVZ.V/Yg=LKYH=[T
=Bf.wC[TIYgH*/YgEPVLÙ<,F°ZTY5Y=.LYQgp4_*LJYDgJZHZIEx*YEYZMZ8.YM8]MHHQYLFaH.:Y8Y
*YEYMY%ZPP:Y8YJY%ZEV,:Y8YJg:ZMV.gLZHZIExF°Z=gHCEFm=PQfGYL.YZÑV8Y%JZPZL5*YEYMY%ZPP
, $EYE 0gHO<YDJ[ .Y5 P~ÔYCE .LY Qgp4_ *% =B IYµYL fBg. HHQYL.YL[0< =YgCL F°gTY5EYE\PYgL
=B'FY¥$EMY%gE$E\P¶YE,PV0°Q.Lg=FYgLE_%Z::ZHÒ'*L$D[gEZHIY0[TFKYgT*.Z8:YNgHY:
F°Z=ÎY.LYQgTg4fK/YgEP.MLÀ={Fa<=gBLPYLPVgÙFF°CNE.LYQT*HV*Z8*JEIYgHPY5YgEYKYg=
HYVMYgCgNLHYVZ.V/Yg=L$YZB.$HnYL*.Z8F°.e=Z3¨FY,TYP~|HQT_$=YD\ZE.*%:Y8Y,TYLQY'5
mdUIq¨vi e¨envi K‡i †K›`ªxq e¨vs‡Ki gy`ªvbxwZ, gy`ªve¨e¯’vcbv, e¨vsK mycviwfkb BZ¨vw` eû ai‡bi Z_¨
PVLÙ<.LYQgp4KYLGgME[Z=ZEDYL<[.Y5CÀ=,CÙ=YLPYgBP~ÔEx .LYP~|HQgp4_Z:FY8gJw8$H
$GPY%8P\FYLZINEPYGM5E.IYgHf.wC[T=BIYµYgLK\Q,TYLKYH=[T.YKJP~ÔEx.gLg4_
%Zw8g0°g8:P\FYLZINEPG8,TYL3YM\.L<
Bw›U‡MÖ‡UW mycviwfkbZPgÑJ$EMY%EZLgFYZ8VZEIL*.Z8P\FYLZINEPG8,TYLKYLJYDgJF°BJHYgLL
Jg=YHYV.gMYLF°DYE.YKYMgTLFYNYFYZNNY/YZIZ¥..YKJg.,ZETZJ=ZIZ¥g=$EMY%EZLgFYZ8V*L
$Y,=YT$YEYQgTg4_$BYUHYV.gMYLF°DYE.YKYMgTLFYNYFYZN=YgCLF°Z=Z8NY/YLJYZP.CYTP~ÔC
Avq-e¨q msµvšÍ wewfbœ Dcv`vb, FY Kvh©µ‡gi MwZwewa, ˆe‡`wkK e¨emvi cwiw¯’wZ, bM` e¨e¯’vcbv BZ¨vw`i
F°.e=$HnYZETZJ=IYgHfC/YP~|HQgp4_*ZPgÑJF°mg=LJYDgJHYV.gMYLF°DYE.YKYMT,NY/YZIZ¥.
.YKgJL'FLFKgHÙ<PJTP[JYJY¨*.JYgPEYZJgT$YEYQgTg4KYFagHLfKf.YEPJgTL=]MEYT
Ab-mvBU I Ad-mvBU mycviwfkb Kvh©µg‡K wbweo I †Rvi`vi Ki‡e e‡j Avkv Kiv hvq|
$EPY%8*HV$GPY%8P\FYLZINE.YKgJLJgDPJvAT
eZ©gv‡b wWcvU©gJw8$H$GPY%8P\FYLZINEfBg.HYV.gMY.=e.fF°ZL=ZHHL<[PJaQZHgNÒOg<F°Y¹¸iæZi
$ZETgJL=BPgL5ZJgEKY3Y%.LYL5EZETZJ=HYV.FZLCNEZHIYg0fF°L<.LYQgp4_*4YRYP\FYLZINE
msµvšÍ Kv‡Ri g‡a¨ mgš^q mva‡bi Rb¨ Intrigrated Supervision System Pvjy Kiv n‡q‡Q|
6]XZ.HHnYFEYPVYv§FOC.ZJZ809E
e¨vs‡Ki cwiPYMEYFOC.=d.F°<[=f.jNM,.JFZL.ÇEYHY§HYTgELfÙg¨'u|a=,P~|YH6]XZ.Q
YgP.YK.L
IaZJ.YFYME*HV*PVYv§FZL3YMEYFOgCLCYZT={P\3YLÀLcgFP~ÔEx.LYL5E*.Z86]XZ.HHnYFEY.ZJZ8
09gELZEgCNEYF°CYE.LYQgTg4_)<6X]Z.hHgCZN.J\CYfMEgCEPVYv§6X]Z.$Iv§L[<ZETv<,FZLFYME
SuzwK, gvwb jÛvwis SuzwK, Z_¨ I †hvMv‡hvM cÖhyw³ SuzwK, cwiPvjb SuzwK, my` SuzwK, Zvij¨ SuzwKmn Ab¨vb¨ SuzwK
wPwýZ K‡i Zv cwigvcc~e©K SuzwK n«v‡mi cš’v/c×wZ e¨e¯’vcbv KZ©„K h_vh_fv‡e cÖ‡qvM Kiv n‡”Q wKbv I SuzwKi
wecix‡Z cÖ‡qvRbxq g~jab I cÖwfkb msiÿY Kiv n‡”Q wKbv SuzwK e¨e¯’vcbv KwgwU Zv cwiexÿY Ki‡e| e¨vs‡Ki
f.Y~ÔYE[PZ3H6X]Z.HHnYFEY.ZJZ8LPZ3HQgHE_
17
ZH0=FXY3H4gL0dQ[=HHnYZCLGMYGM
PY~ÔZ=. H4i¸‡jv‡Z wWcvU©‡g›U Ae Ad-mvBU mycviwfkb KZ©„K 0dQ[= FagHYZMÒZ/= HHnYZCL GgM evsjv‡`k
HYVg.L$GPY%8P\FYLZINEMÙ$5gE$gE.8Y%$0°0Z=PYZD=QgTg4_HYVMYgCNHYVg.L.g9YLE5LCYZLL
.YLg<PY~ÔZ=.PJgTHYVZ.V/Yg=LJaMDEZIZ¥LHYF.F°PYL1g8g4_Z:gP~AL*HYV.gMY.=d.
PVLZÙ=fJY8JaMDEZ4Mf.YZ88Y.Y0=F°YTFXY3H4gLLHHDYgEZ:gP~ALf.YZ8
8Y.Y JaMDE HdZ± fFgT CXYZRgTg4 f.YZ8 8Y.YT_ JaMDgEL F°HdZ± 1g8g4 N=YVN_ HYV.gMYL
J\EYGYL*.8YHR$VNJaMDgEnYEYv§L*HVE=]EJaMDEfKY0YgELGgM*Z81g8g4_GgMfCgNLHYVZ.VHHnYL
ZIZ¥ $YgLY NZNYM[ QgTg4_ JaMDE FKY¹=YL ZC. fBg. $gE. fCgNL =\MEYT HYVMYgCN */E N $HnYgE
LgTg4_HYV.PJagQLJaMDEFKY¹=YLQYL6]XZ.ZIZ¥.P~ÔgCLN=YVNJaMDEPVLÙg<L$YHN.=YLZHFL[g=
5\EF°YZv§g.Z4MN=YVN*HVPHgNOZ:gP~AL*=YN=YVgNCXYZRgTg4_HYVZ.V/Yg=
fN<[.e=)g<LQYLZ:gP~AL*Z4MN=YVN5\Ef==Y.gJCXYRYTN=YVgN_=gH
PYgMLfNOZCg.ZHLY5JYELY5iEZ=.$ZnZ=N[M=YL.YLg<HHPYHYZ<g5ZHLcFF°IYHFRYTfN<[.e=)g<LQYL
HdZ±FYT*HV*LGgMfPg¸~ALF°YZv§g.,fN<[.e=)g<LQYLZ4MN=YVN_Z.vmPYgMLfNO
ZCg.HYVMYgCNHYVg.LE[Z=JYMYTZ.4]8YFZLH=E$YEYT*HVHYV..=d..YK.LFCgÙF0°Qg<LGgMfN<[.e=
)g<LQYLQ
YPFYTKYZ:gP~AL*CXYZRgTg4N=YVgN_*g=HYV.gMYLLZÙ=HF°ZINgELFZLJY<
K‡g gybvdv ùxZ nq, hv g~jab ch©vßZvi nvi e„wׇZ mnvqK f~wgKv cvjb K‡i| c×wZMZ SzuwK c~e©vbygvb Ki‡Z
†÷ªm †Uw÷s †KŠkj cÖeZ©b I kw³kvjxKi‡Yi †cÖwÿ‡Z e¨vsK¸‡jv SzuwK mnbxq ÿgZv e„w×i Rb¨ g~jab I cÖwfkb
msiÿ‡Yi Ici †Rvi w`‡q‡Q| fwel¨r 6]XZ. ZELcF< PVYv§ fÑP f8ZÑV * HYV.gMYL $HnYE FY,TY f0g4
Avk¦¯ÍKi (Moderate level of resilience)_H=JYgEHYVZ.V/Yg==YLMHHnYFEYTZnZ=N[M=YH5YTLgTg4®.M
JYZEJYg.8fL8¯PQE[TFKYgTLgTg4_HYV.gMYFdB.6]XZ.HHnYFEY%'ZE8F°Z=ÎY.gLg4*HVPYZH.6]XZ.
wPwýZ K‡i Zv wbim‡b c`‡ÿc MÖnY Ki‡Q| Rvj-RvwjqvwZ cÖwZ‡iv‡a e¨vs‡Ki cÖavb wbe©vnxi AYÙgL*HV$Z:8
KwgwUi †Pqvig¨v‡bi cªwZ¯^vÿ‡i ˆÎgvwmK wfwˇZ “Self-Assessment of Anti-Fraud Internal Controls” bvgK
Assessment Sheet cª¯‘Z Kiv nq weavq e¨vs‡Ki Af¨šÍixY wbqš¿Y †Rvi`vi n‡q‡Q; Rvj-RvwjqvwZ c~‡e©i
=]MEYTQ
YPfFgTg4_ZETZJ=®:YTY0EZÑ.ZLZI'ZLgFY8F°m=Qgp4ZHDYTHYZO.F°Z=gHCgEZ:Pg.Y5YL$EfK
f.YEPJgTL=]MEYT$gE.Ap4,FKY¹QgTg4_®.]%.ZLZI'ZLgFY8¯F°mg=LGgMCÀ==JPJgTHYV.gMYL
J\/ 6]XZ.gMY Z3Z×= .gL F°gTY5E[T ZEgCNEY F°CYE .LY P~|H Qgp4_ fHN Z.4] HYVg.L P[JYZ=ZL
Advance-Deposit Ratio ZEDYZL= P[JYT EYZJgT $YEY P~|H QgTg4 *HV ADR */E PQE[T FKYgT LgTg4_
*w8YLF°Y%5:Y8Y,TYLQY'5 (EDW) ev¯Íevq‡bi d‡j †ccvi‡jm e¨vswKs ev MÖxb e¨vswKs *LZCg.CÀ=$0°PL
Q,TYP~|HQgp4_HYVMYgCNHYVg.L=CYL.[f5YLCYL.Lg<LGgMHYV.ZML$Yv§WNY/YfMEgCE*L$PJZvA=
f:ZH8*Zw8LPV/Y*HVf:ZH8*Zw8LFZLJY<'gMÒ/gKY0IYgH.gJ*gPg4_HYV.gMYL)<$E\gJYCE,ZH=Lg<L
FKYTZJ.F°ZTYTPVZNÒÍP.gMLFZL3YMEYFOCfBg.NY/YFKYTFKv§P\ÔÍCYTH±=Y5HYHZCZQ=Y,
.YK.L $Iv§L[< ZETv< HHnYP~ÔEx .gFYgL8 P\NYPE f5YLCYL .LYT *gÙg¨ Ap4=Y *HV ZETJ=YZv.=Y
$gE.8Y%ZGZLgT$YEYP~|HQgTg4_FdB.PG8,TYLF°H=E.LYLGgMHYV.,TYL[,PYZH.IYgHHYV.gMYL
HdQCYV. )g<L PV/Y , FZLJY< *L ZHFL[g= fN<[.e= )g<L $HnY /Y=ZIZ¥. f.wC[Ia=.L< %=YZC =BYZC
PQg5%ZPgÑJfBg.FY,TYKYgp4_HdQCYV.)g<LPG8,TYL*LHYF.ZIZ¥.F°gTY0*HVPHMJZE8ZLVHHnYL
.YLg<$EYEfKf.YEPJgTL=]MEYTH=JYgEHdQCYV.)<gMYZEZHR=¥{YHDYE.LYP~|HQgp4_HdQCYV.)<
cÖ`v‡bi †ÿ‡Î DbœZZi SzuwK e¨e¯’vcbv wbwðZ Kivq eZ©gv‡b †kÖYxK…Z F‡Yi Industry Average N=.LYIY0
n‡jI †kÖYxK…Z e„n`vsK F‡Yi Industry Average N=.LYIY0_FX\Z5HY5YgLZHZEgTY0P~ÔZ.=E[Z=JYMY
HY§HYTgE $HYQ= =CYLZ.L GgM FX\Z5HY5YgL HYV.gMYL ZHZEgTY0 PQE[T FKYgT fEgJ *gPg4 *HV *gÙg¨
18
HYV.gMYL6]XZ.$gE.YVgNQ
YPfFgTg4_%PMYJ[%w8YLHYV.GYµJYg.8%PMYJ[HYV.gMYLAÇgJTYC[=YLM
PV.8CaL[.Lg<.YK.LIaZJ.YLY/g4$YHYLFKY¹=LMP~ÔCDYL<.YL[%PMYJ[HYV.gMYLJ\EYGY$5gE,
IaZJ.Y LY/g4_ HYV. f.Y~ÔYE[ $Y%E PVgNYDgEL d‡j mycviwfkb cÖwµqvq `„pZv Avbq‡bi cvkvcvwk wewfbœ
$ZETgJLfÙg¨.YK.LFCgÙF0°Q<.LYP~|HQgp4_ZH*P*P.Y9YgJY09gELGgM*.Z8HYV.P~Ôg.*.Z8
NY/YfBg.Fa<Y=BFY,TY*HVPVgNYDEJaM.HHnY0°Q<,PQ5=LQg=KYgp4_
hyMvšÍ.YL[ * 'gCY0PJagQL PGM=YL .YLg<% ZHNHYF[ JwCY Pg¥{, PYgM HYVMYgCN F°BJHYgLL Jg=Y
AvšÍR©vwZK FYgvb hvPvBKvix `yÕwU cÖwZôvb Standard and Poor’s (S&P) *HV Moody’s *L A=v JaMYTgE
m‡šÍvlRbK mve©‡fŠg FYgvb (Sovereign Credit Rating) $5E.gL*HV*JYEKBYgJ BB-*HV Ba3_*Z8
fCgNL$YZB.Ndq/MY,PYJZÍ.P\HHnYLZEgCN._ZHgNL$gE.DE[fCgNL)<JYgE$HEJE18gM,HYVMYgCN
2011 I PYgM,F°Z=ÎYEC\¯Z8LfLZ8VgT*)<JYEDgLLY/g=fFgLg4_ÑYµY: *µF\,L¯P*LfJ
=YZLg/F°.YZN=FKYgMY3EYF°Z=gHCgEfC/YKYT=YgCLfLZ8V$E\KYT[CZÙ<*ZNTYTHYVMYgCgNL$HnYE
Z²=[T_fLZ8VPVnYC\¯Z8LF°Z=gHCgEHYVMYgCgNLF°HdZ±Lf5YLYgMYP~|YHEYJTDYLY*HV*%F°HZd ±L5gE$BYTE
mnvqZvq `vZv‡Mvwôi †Rviv‡jv Aw½Kvi, †K›`ªxq e¨vs‡Ki hHgCZN. J\CYL ZL5YgIL 'gMÒ/gKY0 F°HdZ±
$H.Y9YgJY0='ExTgEZHZIExFCgÙFJHDJYE$YJCYZEL¹YZE,ZHZEgTY0g.HYVMYgCgNL$BE[Z=L%Z=HY3.
0Z=DYLYHgM'gMÒ/.LYQgTg4_
HYVZ.V /Yg=L =¥{YHDYTE *.Z8 3MJYE F°ZTY_ $YZB. HY5YgLL LcFYv§gLL PYgB FYMÒY ZCgT *L LcF HCMYT_
$GPY%8P\FYLZINgELfÙg¨.BYZ8$YgLYfHZN.gLF°gKY5_*gÙg¨.YZqÙ=JYgEYExTgEL5gE*.ZCg.fKJE
ZEILgKY0 =gBL F°gTY5E $EZCg. 'FK\ ZHgNÒOg.L .JCÙ=YL, F°gTY5E_ $YL CL.YL QT $YD\ZE.
=BF°K\ZL_*PgHLPJvAgTD[gLD[gLHYVMYgCNHYVg.L$GPY%8P\FYLZINgELJYE'Ex=fBg.'Ex==L
Qgp4_$YNY.LYKYT$Z3gL%*gÙg¨'gMÒ/gKY0$YgLYGMYGMFY,TYP~|HQgH_
19
*.E5gLHYVMYgCgNLHYVZ.V/Y=
µwJK bs
1
2
welT
31 wW‡m~Ai, 2013
†gvU e¨vsK
†gvU e¨vsK kvLv
K kni
L MÖvg
e¨vs‡K Kg©iZ Rbej
3
56
8685
3723
4962
168,845
†KvwU UvKvT
4
5
6
7
8
9
10
11
12
13
†gvU SzuwKwfwËK m~Ô`
†gvU g~jab
†gvU FY I AMÖxg
†gvU †kªYxK…Z FY
g~jab ch©vßZvi nvi
†kÖYxK…Z F‡Yi nvi
cÖwfkb msiÿ‡Yi nvi
m~Ô‡`i Dci DcvR©‡bi nvi (ROA)
BKz¨BwUi Dci DcvR©‡bi nvi (ROE)
Zij m~Ô` msiÿ‡Yi nvi (SLR)
56596851
6519079
45443526
4058301
1152%
893%
9898%
090%
1077%
3321%
HYVg.LF°.eZ=gIgCJaMDE,6]XZ.IYL[=P~ÔgCL$E\FY=
e¨vs‡Ki
aib
2004
2005
2006
2007 2008 2009
2010
2011
2012
2013
*mwmwe
41
-04
11
79
69
90
89
117
81
108
we‡klvwqZ
91
-75
-67
-55
-53
04
-73
-45
-78
-97
†emiKvwi
103
91
98
106
114
121
101
115
114
125
we‡`kx
242
260
227
227
240
281
156
210
206
203
†JvU W
8.7
5.6
6.7
9.6
10.1
11.6
9.3
11.4
10.5
11.5
20
e¨vs‡Ki †k<[‡f‡` b[U )‡<i weci[‡= †k<[web¨vwm= )‡<i Aenv
e¨vs‡Ki aib
2005
2006
2007
2008
2009
2010
2011
2012
(kZKiv)
2013
*mwmwe
132
145
129
59
19
19
-034
1282
172
we‡klvwqZ
226
236
190
170
183
160
1695
2040
1969
†emiKvwi
18
18
14
09
05
00
020
092
060
we‡`kx
-22
-26
-19
-20
-23
-17
-181
-086
-037
†JvU W
72
71
51
28
17
13
070
438
201
cÖ‡Tv5b[T , msiw¶= cÖwfkb - mKj e¨vsK
2009
2010
(wewjTb UvKv)
2011 2012
2013
2032 1873 1751 2001 2262 2248 2248
2271
2264 42726 40583
cÖ‡Tv5b[T
cÖwfkb
925
878
883 1061 1272 1361 1348
1492 1482 24239 25242
msiw¶=
cÖwfkb
373
359
426
1423 1527 18976 24984
'Ø„Ë (+)/
NvUw= (-)
-552
-519
-457 -532 -301
-99
31
-69
cÖwfkb
msiÿ‡<i
Qvi (%)
403
409
482
927
1023
954
mKj e¨vsK
†k<[web¨vwm
= )‡<i
cwiJv<
2003
2004
2005 2006 2007 2008
529
499
971 1262 1379
763
21
46
-5262 -258
1030 7833 9898
HYVg.LfN<[gIgCHT$YT$E\FY=
e¨vs‡Ki Dib
2004
2005
Gmwmwe
1023
1019 1000
1000
756
807 627
7319 8407
we‡klvwT=
1040
1039 1035
1077 1037 1121
878 886
9124 9483
†emiKvwi
871
893
902
888
884
726
676 717
7604 7790
we‡`k[
763
708
711
729
758
590
647 473
4955 5040
†JvU W
90.9
92.1
91.4
90.4
87.9
72.6
70.8 68.6
73.99
2006
2007
2008 2009
896
22
2010
2011
2012
2013
77.81
23
HYVg.LfN<[gIgCJ\EYGY$5gELQYL
m~Ô‡`i AvT Qvi (ROA)
e¨vs‡Ki
Dib
Gmwmwe
BK]¨BwUi AvT Qvi (ROE)
2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013
01 -01 -01
00
00
07
10 11 13 -056 059 30
-53 -69
00
00 225 262 184 197 -1187 871
we‡klvwT=
00 -02 -01 -02 -03 -06
04 02 01 006 -040 -06 -21 -20 -20 -34 -69 -1717 -32 -09 -106 -3501
†emiKvwi
07 12
11
11
13
14
16 21 16 092 095 114 195 181 152 167 164 210 209 157 1017 1070
we‡`k[
26 32
31
22
31
29
32 29 32 327 298 204 225 184 215 204 178 224 170 166 1729 1764
†JvU W
0.5 0.7
0.6
0.8
0.9
1.2
1.4 1.8 1.5 0.64 0.90 9.8 13.0 12.4 14.1 13.8 15.6 21.7 21.0 17.0 820 1077
e¨vs‡Ki
Dib
Gmwmwe
=ij m~Ô`
Aw=wi³ =vij¨
2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2003 2004 2005 2006 2007 2008 2009
2010
2011
2012
244 228 200 201 249 329 251 272 3130 2923 4427 84 68 20 21 69 149 176
82
1230 1024 2529
2013
we‡klvwT= 120 112 112 119 142 137 96 213 691 1151 1527 58 47 62 38 56
49
71
23
134
144
419
†emiKvwi 244 231 210 214 222 207 182 215 2345 2629 2795 98 88 51 56 64
47
53
46
657
949
1118
we‡`k[
378 378 415 344 292 313 318 321 3413 3747 4615 219 219 236 164 112 133 218
132
1528 1868 2735
†JvU W
247 234 217 215 232 248 206 230 2541 2705 3254 99 87 53 51 69
60
839
24
84
90
988
1538
© Copyright 2026 ExpyDoc