s'df/L a}+s lnld6]8
kGw|f}+}+}+ jflif{s ;fwf/0f ;ef
-@)&@÷!!÷@*_
lg0f{o ljj/0f
>L s'df/L a}+s lnld6]8sf]
kGw|f}+++ jflif{s ;fwf/0f ;efsf]
lg0f{o ljj/0f
>L s'df/L a}+s lnld6]8sf] kGw|f}+ jflif{s ;fwf/0f ;ef ;~rfns ;ldltsf cWoIf >L ;Gtf]if s'df/ nfdfHo"sf] cWoIftfdf b]xfo adf]lhd ul/ ;DkGg eof] .
!_;efsf] ldlt, :yfg / ;do
ldltM @)@ ;fn kmfu'g dlxgf @* ut] z'qmjf/ -tbg';f/ !!dfr{ @)!^_
:yfgM n}grf}/ a}ª\Sj]6\;, g]kfn :sfp6 sDkfp08, n}grf}/, sf7df8f}+ .
;doM ljxfg !!M)) ah] .
@_;efsf] ;"rgf k|sfzg
-s_o; a}+ssf] ldlt @)@ ;fn kmfu'gdlxgf )# ut] a;]sf] ;~rfns ;ldltsf] a}7sn]lg0f{o u/] adf]lhd a}+ssf] kGw|f}++ jflif{s ;fwf/0f ;ef ;DaGwL ;"rgf sDkgL P]g, @)^# sf] bkmf ^& sf] pkbkmf -@_ tyf a}+ssf] lgodfjnLsf] lgod $ sf] pklgod -#_ cg';f/ ldlt @)@kmfu'g)^ ut] / @)@kmfu'g@!ut] qmdzM sf/f]jf/ /fli6«o b}lgs / cGgk"0f{ /fli6«o b}lgsdf u/L @ k6s ;"rgf k|sflzt ul/Psf] .
-v_sDkgL P]g, @)^# sf] bkmf !)( adf]lhd jflif{s k|ltj]bg, a}+ssf] ljQLo ljj/0fx?,;DalGwt z]o/wgLx?sf] 7]ufgfdf kGw|f}+++ jflif{s ;fwf/0f ;ef a:g] af/]sf];"rgf ;fy ;DnUg u/L k7fO{Psf] .
-u_sDkgL P]g, @)^# sf] bkmf &( adf]lhd ;fwf/0f ;efdf 5nkmn ul/g] jflif{scfly{s ljj/0f, ;~rfns ;ldltsf] jflif{s k|ltj]bg, n]vfk/LIfssf]k|ltj]bg, sDkgL P]gsf] bkmf &* cg';f/ tof/ ul/Psf] k|ltj]bg / ;efdf 5nkmn x'g] k|:tfjx? ;ef x'g'eGbf PSsfO{; lbg cufj} tof/ u/L a}+ssf] /lhi68{ sfof{nodf z]o/wgLx?n] lg/LIf0f ug{ kfpg] Joj:yf ul/Psf] .
-3_;fwf/0f ;efdf ko{j]Ifssf] ?kdf pkl:yt x'g g]kfn /fi6« a}+s, sDkgL /lhi6«f/sf] sfof{no, g]kfn lwtf]kq af]8{ / g]kfn :6s PS:r]Gh lnld6]8nfO{ cg'/f]w u/L kqfrf/ ul/Psf] .
-ª_;fwf/0f ;efdf cfdlGqt eO{ lbgsf nflu jfx\o n]vfk/LIfs >L as/ l6NnL b]j Pzf]l;o6\;nfO{ / sfg'gL ;Nnfxfsf/ >L lnun P8\efO{h;{ kmf]/dsf al/i7 clwjQmf zDe' yfkfnfO{ cg'/f]w ul/Psf] .
#_;efdf k|:t't 5nkmnsf ljifox? M
s=;fdfGo k|:tfj
!= kGw|f}++ jflif{s ;fwf/0f ;efsf]nflu ;~rfns ;ldltsf] jflif{s k|ltj]bgdfly 5nkmn u/L kfl/t ug]{ .
@=n]vfk/LIfssf] k|ltj]bg ;lxtsf] cf=j= @)&!÷&@ sf]jflif{s cfly{s ljj/0f -cfiff9 d;fGt @)&@ sf] jf;nft, cf=j= @)&!÷&@ sf] gfkmf gf]S;fg lx;fj / ;f]lx cjlwsf] gub k|jfx ljj/0f, gfkmf gf]S;fg afF8kmfF8 lx;fa, O{lSj6Ldf ePsf] kl/jt{g nufot jflif{s cfly{s ljj/0f;Fu ;Dj4 cg';"rLx?_ pk/ 5nkmn u/L kfl/t ug]{ .
#=cf=j=@)&@÷&# sf nflu n]vfk/LIfs lgo'Qm ug]{ / lghsf] kfl/>lds tf]Sg] -jt{dfg n]vfk/LIfs >L b]j Pzf]l;o6\; k'gM lgo'QmLsf] nflu u|fx\o x'g' x'Gg_ .
$=;~rfns ;ldltaf6 k|:tfj u/] adf]lhd ?=!,$),&*,!%^÷—-r'Qmf k'FhLsf] )=%* k|ltzt_ gub nfefFz -af]gz z]o/df nfUg] s/ k|of]hgfy{_ :jLs[t ug]{ .
v=ljz]if k|:tfj
!=;~rfns ;ldltn] k|:tfj u/] adf]lhd r'Qmf k'FhLsf] !! -P3f/_ k|ltzt af]gz z]o/:jLs[t ug]{ tyf ;f]sf] nflu k|aGwkqsf] bkmf % -v_ / -u_ z+;f]wg u/L a}+ssf] hf/L k'FhL / r'Qmf k'FhL a[l4 ug]{ .
@=a}+ssf] k|aGwkqdf /x]sf] a}+ssf] p2]Zo k|flKtsf nflu ul/g] sfo{x? -bkmf $ sf] pkbkmf -x_ -!^__ yk ug]{ / ;f] ;+zf]wgdf lgodgsf/L lgsfoaf6 km]/abn ug{ ;'emfj ePdf ;f] cg'?k cfjZos ;dfof]hg ug{ ;~rfns ;ldlt -jf ;ldltn] tf]s]sf] JolQm_ nfO{ clwsf/ k|bfg ug]{ .
#=sDkgL P]g, @)^# sf] bkmf !)% -!_ -u_ cg';f/ ePsf] sfo{sf] cg'df]bg ug]{ .
u=ljljw .
$_;efdf pkl:ylt M
-s_;~rfnsx?sf] pkl:ylt
!_L ;Gtf]if s'df/ nfdfcWoIf — pkl:yt
@_8f= zf]ef sfGt 9sfn;~rfns — pkl:yt
#_>L pQd k|;fb e§/fO{;~rfns— pkl:yt
$_>L g/]z b'u8;~rfns — cg'kl:yt
%_O{= lagf]b bjf8L;~rfns — pkl:yt
^_>L k'gf /fd e08f/L;~rfns— pkl:yt
_>L /;]Gb|jxfb'/ dNn;~rfns— cg'kl:yt
-v_ko{j]Ifs tyf cfdlGqtsf] pkl:ylt M
!_ko{j]Ifs, ;xfos /lhi6«f/ >L v]d /fh vqL– >L sDkgL /lhi6«f/sf] sfof{no
@_ko{j]Ifs, clws[t >L gljg dfg a}B— >L g]kfn lwtf]kq af]8{
#_ cfdlGqt, sfg'gL ;Nnfxfsf/, lnun P8efO{h;{ kmf]/d— al/i7 clwjQmf >L zDe' yfkf
$_cfdlGqt jfx\o n]vfk/LIfs as/ l6NnL b]j Pzf]l;o6\;sf k|ltlglw >L;'b]z kf08]
-u_a}+s kbflwsf/Lx?sf] pkl:ylt M
!_>L /flhj lu/L – sf=d'=k|d'v sfo{sf/L clws[t
@_>L c+lu/ dfg l;+x— ;xfosdxfk|aGws
#_>L /fd]Zj/ zdf{ cof{n–;xfosdxfk|aGws
$_>L u0f]z s'df/ s]=;L=– k|d'v — cfGtl/s n]vfk/LIfs
%_>L lgd{n s'df/ vltj8f – k|d'v — ljQ, of]hgf tyf PdcfO{P;
^_>L s'df/ pk|]tL– cWoIf -s'df/L a}+s lnld6]8 sd{rf/L ;+3
&_>L g/]Gb|k|;fb 5Ts'nL – sDkgL ;lrj÷k|d'v-sfg"g tyf cg'kfng
-3_z]o/wgLx?sf] pkl:ylt M
!_;+:yfks ;d"xsf] :jod\ pkl:yt * hgf / k|f]S;L lbg] !)) hgf z]o/wgLx?jf6 k|ltlglwTj ePsf] z]o/ ;+Vof !,!&,&%,^#*
@_;j{;fwf/0f z]o/wgLx?jf6 :jod\ pkl:yt %*!hgf / k|f]S;L lbg] @%# hgf z]o/wgLx?jf6 k|ltlglwTj ePsf] z]o/ ;+Vof $#,**,@&
#_s'n z]o/wgLsf] k|ltlglwTj;+Vof ($@
$_z]o/sf] s'n pkl:ylt k|ltzt ^^=$&$
%_;efsf] u0fk"/s ;+Vof M
ljj/0f / hDdfz]o/ / :jod\
pkl:ylt / k|ltlglw
dfkm{t / s'n z]o/wgL
;+Vof / z]o/sf] s'n
pkl:ylt k|ltzt
af+8kmf+8 ePsf] s'nz]o/
;+Vof@,$#,!^,*!% / !,^!,^$,#^% / %*( / #%# / ($@ / ^^=$&$
^_;efsf] j}wflgstf M
;ef ;~rfng ug{sf]nflu sDkgL P]g, @)^# sf] bkmf &# sf] pkbkmf -@_ tyf a}+ssf] lgodfjnLsf] lgod % adf]lhd af‘8kmf‘8 ePsf] s"n z]o/ ;+Vofsf] %) k|ltzt eGbf a9L z]o/sf] k|ltlglwTj x'g] u/L s"n z]o/wgLx?dWo] sDtLdf # hgf z]o/wgLx? :jod\ jf cfkm\gf] k|ltlglwåf/f pkl:yt x'g'kg]{ k|fjwfg cg';f/ ljxfg !!M)) ah];Dd s"n z]o/ ;+Vof-@,$#,!^,*!%_ sf] !,@,*^,*&# z]o/ cyf{t %@=%*k|ltzt z]o/sf] k|ltlglwTj ug]{ tLghgf eGbf a9L z]o/wgLx?sf] pkl:ylt eO{ ;fwf/0f ;efsf] u0fk"/s ;+Vof k'u]sf] s'/f sDkgL ;lrjn] ;efnfO{ cjut u/fp+b} ;ef ;+rfng ug{ k|rlnt P]g, sfg'g adf]lhd ;ef j}wflgs /x]sf] s'/f hfgsf/L u/fpg' eof] . ;ef k|f/De eO{ ;dfkg gx'‘bf;Ddsf] xflh/L clen]v cg';f/ dfly tflnsfdf plNnlvt ;+Vofsf] z]o/ tyf z]o/wgLx?sf] k|ltlglwTj ;efdf /x]sf] lyof] .
&_;efsf] cWoIftfM
sDkgL P]g, @)^# sf] bkmf &$ sf] pkbkmf -!_ cg';f/ ;fwf/0f ;efsf] cWoIftf ;~rfns ;ldltsf cWoIfHo"af6 x'g] ePsf]n] sDkgL ;lrjn] ;~rfns ;ldltsf cWoIf >L ;Gtf]if s'df/ nfdfHo"nfO{ ;efsf] cWoIftf u/L lbg cfu|x ePadf]lhd jxf+n] cWoIftfsf] cf;g u|x0f ug'{eof] . ;fy} ;~rfns ;ldltsf cGo ;b:oHo"x?, ko{j]Ifs tyf cfdlGqt, a}+ssf kbflwsf/Lx? ;j}nfO{ cf—cfkm\gf] :yfgjf6 cf;g u|x0f ul/ lbg sDkgL ;lrjn] cg'/f]w u/] adf]lhd jxf+x?n] ;d]t cf;g u|x0f ug'{eof] .
*_;~rfns ;ldltsf] jflif{s k|ltj]bgsf] k|:t'tL M
cWoIfHo"n] pkl:yt z]o/wgL dxfg'efjx?nfO{ xflb{s :jfut ub}{;fwf/0f ;efsf] sfo{qmd cl3 a9fpg] qmddf ;~rfns ;ldltsf] kGw|f}+jflif{s k|ltj]bg, n]vfk/LIfssf] k|ltj]bg ;lxtsf] ljQLo ljj/0f ;d]tsf] ljj/0f k'l:tsf z]o/wgLx?n] cWoog u/L ;Sg' ePsf] xf]nf eGg] ljZjf;sf ;fy a}+ssf] cf=j= @)!.@ sf] ;+lIfKt ljQLo emns nufot rfn' cf=j=sf] nIo, låtLo q}dfl;scyf{t kf}ifd;fGt ;Ddsf];+lIfKt ljQLo ljj/0fx? ;lxt a}+ssf] cGo ultljlwsf] af/]df ;efnfO{ 5f]6s/Ldf hfgsf/L u/fpg' eof] .
(_kGw|f}++ jflif{s k|ltj]bg tyf gfkmf gf]S;fg lx;fasf] k|:t'tL M
;efsf cWoIfHo"n] ;~rfns ;ldltsf] tkm{jf6 a}+ssf] kGw|f}++ jflif{s k|ltj]bg, n]vfk/LIfssf] k|ltj]bg ;lxt cf=j= @)!÷&@ sf] jf;nft, gfkmf—gf]S;fg lx;fa tyf gub k|jfx ljj/0f / cg';"lrx? tyf ;efdf k|]lift cGo k|:tfjx? ;efdf 5nkmnsf nflu k|:t't ug'{eof] .
!)_5nkmnsf nflu cfJxfg M
;fwf/0f ;efdf z]o/wgLx?n] lgwf{/Lt ljifo;"rL pk/ 5nkmn ug{ ;Sg] Joj:yf sDkgL P]g, @)^# sf] bkmf ^& sf] pkbkmf -^_ df eP cg'?k cWoIfHo"sf] cg'dltn] sDkgL ;lrjn] ;~rfns ;ldltsf] kGw|f}++ jflif{s k|ltj]bg, n]vfk/LIfssf] k|ltj]bg ;lxt cf=j= @)&!÷&@ sf] jf;nft, gfkmf—gf]S;fg lx;fa, gub k|jfx ljj/0f, cg';"lrx? tyf ;efdf k|:t't ljifox?df 5nkmnsf] nflu cf—cfk\mgf] dGtJo, ljrf/, lh1f;f tyf ;'emfjx? /fVg rfxg] z]o/wgL dxfg'efjx?nfO{ qmd};+u ;xefuL x'g cg'/f]w ug'{eof] .
!!_5nkmndf ;xefuL x'g] z]o/wgLx?M
!=8f= dfwj s'df/ >]i7
@=>L cd[tgfy /]UdL
#=>L p4j k|;fb l3ld/]
$=clwjQmf czf]s pk]|tL
%=>L s'j]/ >]i7 -k"j{ d]h/_
^=>L cld/ bf; /+lht
&=>L Aof; s'df/ zdf{
*=>L /f]h s'df/ >]i7
(=>L 8Dd? aNne l3ld/]
!)=>L dx]Gb| >]i7
!!=>L hoGb| dfg l;+x aflgof
!@=>L lzj k|;fb zdf{
!@_5nkmndf ;xefuL z]o/wgLx?af6 JoQm wf/0ff, lh1f;f, tyf ;'emfjM
5nkmndf ;xefuL x'g'ePsf z]o/wgLx?af6 JoQm ljrf/, wf/0ff, lh1f;f tyf ;'emfjx?nfO{ ;f/f+zsf] ?kdf b]xfo adf]lhd k|:t't ul/Psf] 5 M—
s_8f= dfwj s'df/ >]i7 M— pkl:yt ;j}nfO{ ;Djf]wg ub}{ a}+sn] !! k|ltzt af]gz z]o/ lbPsf]df /s/ k|of]hgfy{ nfef+z lbPsf]df wGojfbk|s6 ug'{ eof] . Bonus Share is a boom of shareholdereGb} jf;nft tkm{ ut jif{ eGbf cfDbfgLsf] cg'kftdf v'b d'gfkmf /fd|f] 5, d"No cfDbfgL cg'kft /fli6«o / cGt/fli6«o :t/sf] lbg' kg]{ xf] t/ cGt/fli6«o :t/sf] !) b]lv !% k|ltzt xf] eGg] ;'g]sf] 5' . To; af/]df /fli6«o cGt/fli6«o s] slt xf] /fi6« a}+sn] yfxf lbg' kg]{ xf] To;tkm{ /fi6« a}+ssf] Wofg hfcf]; eGg] ;'emfj JoQm ug'{ eof] . a}+ssf] talented people eGgfn] sd{rf/L, CEO dfq geO{ ;~rfns ;ldlt / z]o/wgL klg xf] To; tkm{ Wofg lbg' k5{ . z]o/wgL a}+ssf] 7"nf] Resource xf] To;sf] pkof]udf klg Wofg lbg' k5{ . z]o/wgLx?n] a}+sdf nufgL u/]/ nvklt x'g rfxfG5g . ;f] sf] nflu ;~rfns ;ldltdf dfq} lhDd]jf/ 5}g . /fi6« a}+s, b]zsf] /fli6«o cy{tGq, a}+ssf] k|d'v sfo{sf/L clws[t, z]o/wgL klg Vigilant x'g cfjZos 5 clgdfq nvklt x'g ;lsG5 . o; a}+ssf] lg/Gt/ ;kmntfsf] nflu gofF gofFInnovation ub}{ hfg' k5{ To;sf] nflu Talent people n] Wofg lbg' k5{, Oppertunity to grow df Wofg lbg' k5{, resource, innovation never stopeGg] egfO{x? /fVg' eof] .
v_>L cd[t gfy /]UdLM—pkl:yt ;j}nfO{ ;Djf]wg ug'{ eof] / a}+ssf] dh{/ k|s[ofnfO{ nlIft ub}{ xfdL hxfF ldNg uO{ /x]sf 5f}+ Tof] cj:yfdf s] x'G5 eGg] s'/fsf] 5f]6s/Ldf rrf{ ug'{ eof] . o; a}+s / cGo a}+sx? ;j}n] Ps csf{nfO{ acquisition u5{g . xfnsf] r'Qmf k'FhLnfO{ cfwf/ dfgL ?=* cj{ eGbf a9Lsf] k'Flh x'G5 . t/ cfkm\gf] larf/df b'O{ j6f jfl0fHo a}+ssf] z]o/ :jfk cg'kft !M! cem} s'df/Lsf] !)%M!))eGbf a9L x'g' kg]{ ljrf/ /x]sf]n] To; tkm{ ;~rfns ;ldltn] Wofg lbg ;'emfj ug'{ eof] . ?=* cj{sf] r'Qmf k'Flh ePsf] a}+sn] ahf/df ;f]xL] cg'kftsf] k'Flh ePsf a}+sx?;Fu k|lt:kwf{ ubf{ c?sf] ?=^ cj{ eGbf a9Lsf] ;fwf/0f hu]8fsf]if lnP/ a;]sf] 5g\ eg] o; ;+:yfsf] r'Qmf k'Flhsf] Ps rf}yfO{ hu]8f sf]if dfq x'g] ePsf]n] sdfpg sl7g 5 . ctMl8e]Gr/ lgsfNg ;'emfj ug'{ eof] . lgIf]k tkm{ ljb]zL d'b|fsf] lgIf]k sd x'g] ePsf]n] k|lt:kwf{ug{ sl7g 5 To;tkm{ Wofg lbg ;'emfj ug'{ eof] . s'df/L eGg] zAbnfO{ gx6fpg / s'df/Lsf] gfd cuf8L x'g' k5{ / s'df/Lsf] nf]uf] x'g' kg]{df hf]8 lbg' eof] . dh{/ kl5 (# cj{sf] Total Capital Structuredf k'U5f}+ Tof] x'Fbf lxdfno a}+s eGbf dfly k'Ug] ePsf]n] Assets dfq} dfly uP/ x'Fb}g jf;nftnfO{ Contributeug]{Factoreg]sf] FC, Foreign Exchange Income/ Total interest income xf] . FC df k|lt:kwL{x?sf] ?=(# s/f]8 eGbf a9Lsf] cfDbfgL b]lvG5 eg] xfd|f] ;d"xsf] sl/j ?=%% s/f]8 dfq sdfpg] cj:yf b]lvG5 . To;}u/L Foreign Exchange Incometkm{ x]bf{ Tof] k|lt:kwL{ ;d"xn] em08} ?=^) s/f]8 sdfpg] b]lvG5 eg] xfd|f] ;d"xn] ?=!@ s/f]8 dfq sdfpg] b]lvG5 To;tkm{ klg Wofg lbg' k¥of] . Total interest income tkm{Tof] ;d"xsf] Overhead Expense a9Ldf #) k|ltzt dfq} 5 eg] of] ;d"xsf] em08} $$ k|ltzt x'g] b]lvG5 . o; tkm{ Wofg lbO{ sd{rf/L s6f}lt jf Staff Expense nfO{ sd ug'{ jf Staff sf] Productivity a9fpg' eof] eg] dfq z]o/wgLnfO{ /fd|f] Return lbg ;lsG5 eGg] ;'emfj JoQm ug'{ eof] . NII (Net Interest Income) tkm{ s'df/Lsf] dfq} x]g]{ xf] eg] hDdf #* k|ltzt dfq} 5 t/ Tof] k|lt:kwL{ ;d"xsf] ^) k|ltzt eGbf a9L sdfpF5 t/ xfdL ;j} ldNg] xf] eg] klg $@ k|ltzt dfq} x'g] cj:yf ePsf]n] To; tkm{klg ;~rfns ;ldltsf] Wofg hfg ;'emfj ug'{ eof] . dh{/sf] nflu z'e sfdgf JoQm ub}{ cfufdL ;fwf/0f ;efdf klg af]Ng] cj;/ kfpF eGg] ljrf/ JoQm ug'{ eof] .
u_>L p4j k|;fb l3ld/]M pkl:yt ;j}nfO{ ;Djf]wg ub}{ s'df/L a}+sn] lgoldt ?kn] nfefFz gLlt clVtof/ u/] cg';f/ o; k6s klg !! k|ltzt af]gz z]o/ lbPsf]dfwGojfb . dh{/ kl5 klg pxfFx?n] !% b]lv @) k|ltzt;Dd nfefFz lbg ;lsg] ljrf/ JoQm ug'{ ePsf]n] Tof] klg :jfut of]Uo 5 . cGt/fli6«o d'b|fsf]ifn] lbPsf] lgb]{zg, af;]n # / cGt/fli6«o:t/sf] a}+ls+u ;]jf lbg, cGt/fli6«o ahf/df ;d]t k|lt:kwf{ ug{ ;sf]; / universal banking System df hfg klg g]kfn /fi6« a}+saf6 k'Flh a9fpg lgb]{zg lbPsf] b]lvG5 . ;f] sf] nflu dh{/ cfjZos ePsf] xf] . dh{/ kl5 a}+ssf] gfd / nf]uf] s'df/L s} x'g' kg]{df hf]8 lb+b} s'df/Lsf] nf]uf] hfkflgh sDkgL ldT;'lj;L;Fu d]n vfg], ljWjt ju{, ;f+:s[lts ljb, k"/ftflTjs ljbn] ljrf/ k'¥ofP/ agfPsf] nf]uf] ePsf] x'gfn] dh{/ kl5 klg of] nf]uf] oyfjt sfod ug{, c7f/ k"/f0fdf klg n]lvPsf], b'uf{ k"hf cflbdf s'df/Lsf] pNn]v ePsf]n] of] gfd x6fpg gx'g]dfhf]8 lbg' eof] . dh{/ x'Fbf :jfk /]l;of] x]g'{ k5{ . s'df/L a}+s ;DklQ / bfloTjsf] lx;fjn] /fd|f] 5, s ju{sf] a}+s ePtfklg g]kfn /fi6« a}+sn] Joj:yfkg lnPsf] x'gfn] To;sf] ;DklQ tyf bfloTjdf ljrf/ k'¥ofpg' kb{5 . Pgl;l; a}+ssf] u}x| a}ls+u ;DklQ xl/l;4Lsf] hUuf g]kfn ;/sf/n] klg s'/f p7fO{ /x]sf] / h'g p2]Zon] lnPsf] ;f]xL p2]Zodf k|of]u gePsf]n] To:tf] ljjfb:kb ;DklQsf] DDA d"Nofs+gdf /flvg' x'Gg dh{/ ;ldltn] ljrf/ k'¥ofcf]; eGg] ljrf/ JoQm ug'{ eof] . To;} u/L DDAx'Fbf :jfk /]l;of]df Wofg lbO{of]; tfls s'df/L a}+ssf] Pgl;l;sf] eGbf s'g} klg xfntn] a9L x'g} kb{5 To;df lgikIf d"Nofs+g xf]; . xfn x'g nfu]sf] dh{/n] ;kmntf k|fKt u/f]; tfls of] dh{/ ;kmn ePdf d]3f dh{/sf] ?kdf cfpFb5 . oBkL s'g} sf/0fjz of] dh{/ x'g g;s]df o; a}+ssf] rf}wf}+ jflif{s ;fwf/0f ;efaf6 lbPsf] dh{/, k|flKt tyf DDA ;DjGwL clwsf/ xfn ;Dd oyfjt sfod /x]sf]n] To;}nfO{ cfwf/dflg dh{/ ;DjGwL yk sfo{ cuf8L a9fO{of]; To;sf] lg/Gt/tf :j?k cfjZos 5 eg] k|:tfj v08sf] ljljwdf kfl/t ul/of]; eGg] k|:tfj ug'{ eof] . dh{/ kl5 r'Qmf k'Flh ?=* cj{ k'¥ofpg] klxnf] a}+s ePsf]n] of] :jfut of]Uo 5 . ;DklQ tyf bfloTj em08} (# cj{sf] x'g] cj:yf 5 To;n] ?=! cj{ eGbf a9L sdfpg' k5{, sd{rf/L Joj:yfkg ug'{ k5{, 8f6f ;'/If0fsf] Joj:yf ug'{ k5{ . To;}u/L e'sDkaf6 k|efljtnfO{ ;]jf k'¥ofPsf]df wGojfb, ;DklQ tyf bfloTjdf a[l4 ePsf] b]lvG5, lgis[o shf{ 36]sf] 5 / cGtdf s'df/L a}+ssf] nf]uf] / gfd s'g} klg xfntdf x6fpg' x'Gg / o;df ;~rfns ;ldltn] Wofg lbof]; eGg] ;'emfj JoQm ug'{ eof] . ef]lnsf lbgdf gLltut ;'wf/ ug'{ k5{, a9L k|ltkmn lbg ;Sg' k5{, ^ j6f ;+:yf ldn]/ aGg nfu]sf] a}+ssf] gfd s'df/L / nf]uf] klg olx /xg' kb{5 . ef]lnsf lbgdf x'g] ljz]if ;fwf/0f ;efn] of] dh{/sf] k|:tfjnfO{ kf; ug{' k5{ elg cfkm\gf] wf/0ff /fVg' eof] .
3_clwjQmf czf]s pk|]lt M— pkl:yt ;j}nfO{ ;Djf]wg ub}{ a}+ssf] sfo{;Dkfbg ;Gtf]ifhgs 5, k|ltkmn ;Gtf]ifk|b g} dfGg' kb{5, dh{/ ;kmn ePdf gofF cWofodf k|j]z ug]{5, pRr kfFrj6f a}+sdf k|j]z ug]{ cj:yf b]lvG5/ z]o/wgLx?n] nvklt aGg] ;kgf k'/f x'g]5 eGg] wf/0ff JoQm ug'{ eof] . !% jif{df ;f]r] cg'?k ;kmntf xfFl;n x'g g;s]sf]df ;~rfnsx?df ePsf] lsrnf]sf] sf/0f ePsf]n] dh{/ h;/L klg ;kmn kfg{ ;'emfj lbg' eof] . o; a}+ssf] ;fdflhs pQ/bfloTj cGtu{t o; k6s e'sDksf] sf/0f k|efljtx?nfO{ ;xof]u u/]tf klg cjsf lbgdf Psdfq lhljt b]jL s'df/Ldf s]lGb|t u/L pgsf] lzIff lbIff, k]G;g, k"hf, s'df/L 3/sf] dd{t, s'df/L hfqf cflbdf ;dlk{t eO{ ;xof]u ubf{ efjfgfTds / ck|ToIf ;xof]u k'Ug] wf/0ff /fVb} dh{/ kl5 s'df/L g} gfd x'g' kg]{ wf/0ff JoQm ug'{ eof] .
ª_>L s'j]/ >]i7 -e'=k"= d]h/_ M— pkl:yt ;j}nfO{ ;Djf]wg ub}{ s'df/Lsf] gf/f g} ;w}sf] nflu ;j}sf] nflu eGg] ePsf]n] dh{/ kl5 s'df/L g} x'g' kg]{ wf/0ff /fVg' eof] . !% jif{ k'u]sf] a}+sn] !% k|ltzt k|ltkmn x'g' kg]{df !! k|ltztdfq ePsf]df cln lrQ a'em\bf] gePsf] tyfkL cGo a}+sx?n] ?=&÷ sdfP/ ?=!)÷ lbg] rng 5 t/ of] a}+sn} ?=!^÷ sdfP/ ?=!!÷ lbg' /fd|f] xf] eGg] wf/0ff /fVg' eof] . xfn z]o/sf] lstfjL d"No ?=!#*÷ 5 / ahf/ d"No ?=$)).%)) ePsf]n] ;j}hgf ldn]/ /fd|f];Fu ;+rfng ug]{ xf] eg] o;sf] d"No ?=!,)))÷— gf3\g] lglZrt 5 eGg] wf/0ff /fVg' eof] . dh{/ kl5 klg @) k|ltzt g36fO{ k|ltkmn lbg] k|ltj4tf cfPdf ahf/ d"No a9\g] ljrf/ JoQm ug'{ eof] . s'df/L a}+sn] xfn;Dd !!) k|ltzt af]gz z]o/, #% k|ltzt xsk|b z]o/ / !( k|ltzt gub nfef+z lbPsf] cj:yfdf of] a}+snfO{ g/fd|f] eGg gldNg] wf/0ff /fVg' eof] . o; a}+sn] NofPsf] :j:Yo lhjg art vftf of]hgf / ;f] cGtu{t ljleGg c:ktfnx?df h'g 5'6sf] l:sd NofPsf] 5 Tof] cToGt k|z+;lgo 5 / z]o/wgLx?nfO{ klg of] 5'6 ;lxtsf] privilege cardNofO{ ;"rgf lgsfn]df To;n] /fd|f] ;Gb]z hfg] wf/0ff /fVg' eof] . jf;nft tkm{ shf{ gf]S;fgL Joj:yfdf ?=%!=%% s/f]8 gf]S;fgL ePsf] a}+sn] s;/L swap ratio df d2t u5{ eGb} ;f] ;DjGwdf :ki6 ug{ cg'/f]w ug'{ eof] . dh{/df slt ;~rfnsx?sf] k|ltlglwTj x'G5 / sd{rf/L ldnfgsf] Joj:yf s] x'G5 Wofg lbg cg'/f]w ug'{ eof] . z]o/wgLx? ;efdf a9L eGbf a9L pkl:yt x'g' / ;efsf] cGtdf ;Dd a:g' ;sf/fTds eGb} dh{/ cfiff9 d;fGt leq} ;DkGg xf];, sd{rf/Lx?af6 k"0f{ ;xof]u xf]; / s'g} clgoldttf b]lvPdf hfgsf/L u/fPdf z]o/wgLx?n] ;xof]u ug]{ cfZjf;g lbg' eof] .
r_>L cld/bf; /l~htM— s'df/L a}+sn] :yfkgfsf] !% jif{ k'/f u/]sf] pknIodf !% k|ltzt k|ltkmn lbg' kg]{df !! k|ltzt klg ;Gtf]ifhgs 5 . a}+ssf] ;j} tYofÍx? h:t} portfolio management, income cflb /fd|f] /x]sf], kf}if d;fGt ;Ddsf] k|ult klg ;Gtf]ifhgs /x]sf] / xfn;Ddsf] cj:yfsf] jf/]df hfgsf/L lbPsf] eP /fd|f] x'GYof] / rfn' cf=j=sf] nlIft gfkmf slt xf] :ki6 kfg{ cg'/f]w ug'{ eof] . af]gz z]o/ lb+bf leGg c+snfO{ s] ug]{ ljrf/ 5 :ki6 ug{, dh{/sf] lg0f{o :jfut of]Uo 5, dh{/df hfFbf swap ratio df Wofg lbg, klbo eGbf nufgLsf] lx;fjn] ;f]Rg, ;DklQsf] ahf/ d"Nodf g36\g, lglis[o shf{ 36fpg, u}x a}ls+u ;DklQnfO{ laqmL u/L swap ratioa9fpg ;'emfj ug'{ eof] . NCC Bank sf] xl/l;4Lsf] ;DkQL ljjflbt 5 To;sf] d"Nofs+gdf Wofg lbg / cfiff9 leq} dh{/ ;DkGg u/L @) k|ltztdf g36\g] u/L nfef+z lbg ;'emfj ug'{eof] .
5_>L Aof; s'df/ zdf{M— a}+ssf] Performance x]bf{ Paid up capital, Reserve and surplus, Investment, loan portfolio cflb ;j} If]qdf /fd|f] /x]sf] 5 . ?=% s/f]8 eGbf a9L gfkmf a9fpg ;kmn ePsf] 5, clwsf+z Financial indicators ;'wf/ ePsf] 5, NPA sf] Leval @Ü n] 36]sf] 5, e'sDk / gfsfaGbL clg ?=* cj{sf] r'Qmf k'Flhsf] sf/0f dh{/df hfg] lg0f{o l7s} xf] . Swap ratio DDA df g} e/ kg'{ kb{5, w]/} tndfly x'g] cj:yf b]lvb}g, !) k|ltztsf] Surplus df s'df/Lsf] dfly g} x'g' kg]{ Wofg cfsif{0f u/fpg' eof] . sfg'gL kIfnfO{ ljrf/ u/L dh{/sf] nflu 5'§} ljz]if ;fwf/0f ;ef u/]/ yk vr{ ug'{sf] ;§f ldNg] eP ;~rfns ;ldltn] o;} ;efaf6 Mandate lnO{ dh{/ ug{ ;'emfj ug'{ eof] .
h_>L /f]h s'df/ >]i7M—jf;nft eGbf dh{/sf] k|:tfjdf g} af]Ng' pko'Qm x'g] eGb} g]kfn /fi6« a}+sn] NCC sf] åLkIfLo emu8fdf s'df/LnfO{ ;d]t Ps} 7fpFdf /fv]/ To;sf] cGTo ug]{ /0fgLlt ;sf/fTds dfGg' kb{5 . dh{/ kl5 klg gfd s'df/Lsf] g} x'G5 eGg] s'/f klqsfaf6 ;'Gg cfPsf] 5 Tof] s] xf], DDA af6 Swap ratio s] x'G5 To;n] lgwf{/0f unf{, dh{/ x'g] cGo a}+sx?sf] df]6fdf]6L tYofÍ cfhsf] ;efdf ljt/0f ul/lbPsf] eP /fd|f] x'GYof] eGg] wf/0ff JoQm ug'{ eof] . !!Ü nfef+z ;Gtf]ifhgs 5 / dh{/ cfiff9 leq} ;DkGg xf]; eGg] z'e sfdgf JoQm ug'{ eof] .
em_>L 8Dd? aNne l3ld/]M— of] a}+s :yfkgf ug{ g]t[Tjbflo e'dLsf lgjf{x ug]{ dWo]sf >L ;Gtf]if s'df/ nfdf xfn cWoIf eO{ a}+snfO{ Safe landing df nfg vf]Hg' ;sf/fTds eGb} h;n] hGdfp5 p;nfO{ a9L dfof x'G5 eGg] wf/0ff /fVg' eof] . dh{/ cfly{s cj:yf sdhf]/ eP/ / ;+:yfut ;'zf;g geP/ geO{ ;+:yfksx?n] k'Flh xfNg g;Sg' xf] eGb} ;+:yf sdhf]/ ePsf] eP ut ;fn ##Ü d'gfkmf lbg g;Sg] wf/0ff /fVg' eof] . dh{/ :jfut of]Uo 5, of] d]3f dh{/ xf], cWoIf nufot ;~rfnsx? cfkm} ;xefuL ePsf]n] pxfFx?af6 sd{rf/L, z]o/wgL ;j}sf] lxtdf Wofg lbg' g} x'g]5 eGb} dh{/ rfF8f] eGbf rfF8f] ;DkGg xf]; / a}+ssf] yk k|ult xf]; eGg] z'e sfdgf JoQm ug'{ eof] .
`_>L dx]Gb| >]i7M— !! k|ltzt af]gz z]o/sf] nflu wGojfb eGb} dh{/sf] lg0f{o :jfut of]Uo 5 / gfd s'df/Lsf] x'g' k5{ eGg] ljrf/ JoQm ug'{ eof] . NCC Bank df @ j6f u|'ksf] emu8fdf s'df/L a}+s ylkP/ tLg u|'k x'g] t x}g eGg] cfz+sf JoQm ub}{ To:tf] gxf]; / u|'ksf] cGtxf]; cGoyf a}+s g} Collapse x'g a]/ 5}g eGg' eof] . NCC Bank df;+:yfksx? cfkm} shf{ lng] / gltg]{ sf/0fn] ubf{ /fi6« a}+sn] x:tIf]k ug{ k/]sf] xf] To;tkm{ Wofg ;'emfj ug'{ eof] . dh{/df Swap ratio df Wofg ;'emfj ub}{ s'g} klg xfntdf !)) eGbf tn x'g gx'g] / s'df/L a}+ssf] NCC Bank eGbf dfly g} x'g' kg]{ wf/0ff /fVg' eof] . a}+sdf xfn gfsfaGbL / e'sDksf] s] s:tf] c;/ k/]sf] 5 ;f]sf] hfgsf/L lbg, dh{/ kl5 Hydro / Agriculture secture df nufgL a9fO{ ef/tsf] k/ lge{/tf 36fpg tyf /f]huf/L ;[hgf x'g] If]qdf nufgL a9fpg ;'emfj ug'{ eof] . cGtdf dh{/ rfF8f] eGbf rfF8f] xf]; / k|wfg sfof{no sf7df8f}+df /fVg] Joj:yf xf]; eGg] ;'emfj k]z ug'{eof] .
6_>L hoGb|dfg l;+x aflgofM—o; cl3sf aQmfx? s;}n] of] a}+s B 5 df kg]{ s'/f, s;}n] dh{/ kl5 Collapse x'g ;Sg] s'/f, s;}n] Swap ratio sf] s'/f, s;}n] DMATvftfsf] s'/f cflb u¥of] eGb} DMATvftf e"tn] vfhf vfg] a]ndf cfof], ;j} a}+sn] z'? u/L ;s] kl5 clxn] l9nf] Nofp+bf gf]S;fgLdf kg{ ;S5 eGg' eof] . of] a}+s w]/} /fd|f] klg 5}g / w]/} g/fd|f] klg 5}g eGb} NCC a}+s Liquidation hfg nfu]sf] cj:yf eGbf of] a}+s Slow growth l:yltdf /fd|f] /x]sf] wf/0ff JoQm ug'{ eof] . Capital Adequacy below 11 df em/]sf] 5, NPA ;'wf/ u/]sf] 5, sdfpg] >f]t Aofh cGt/ #Ü df em/]sf] 5, Assets Mobilation 1% df em/]sf] 5 h'g @Ü ePsf] eP /fd|f] x'GYof] eGg] wf/0ff /fVg' eof] . k'Flh of]hgf x]bf{ dh{/ kf6{g/sf] Capital sd /fv] k'Ug] b]vfPsf]n] s'df/Ln] ?=!)) /fVbf NCC n] ?=*) xfn] k'Ug] b]lvG5 eGg' eof] . clxn]sf] Performance x]bf{ B 5 geO{ B 10 df kg]{ wf/0ff /fVg' eof] . tyfkL ut jif{sf] bfFhf]df v'b Jofh cfDbfgL ?=*# s/f]8af6 ?=(@ s/f]8 k'¥ofPsf] 5, ;+rfng / sldzg cfDbfgL sdhf]/ 5, Foreign Exchange / v'b d'gfkmfdf a[l4 ePsf] ;sf/Tds 5 eGg' eof] . k"j{ jQmfn] eg]sf] h:tf] shf{ gf]S;fgL Joj:yf gf]S;fgL geO{ Joj:yfkg ;Ifd eP p7\g ;Sg] /sd xf] eGb} Pp6f Target agfP/ lx8\g ;'emfj ug'{ eof] . cGtdf dh{/df hfFbf xfdL sd 5}gf} eGg] wf/0ffsf ;fy k|:t't x'g / gfd s'df/Ls} x'g' kg]{ ljrf/ JoQm ug'{ eof] .
7_>L lzj k|;fb zdf{M— dh{/df uP/ s'df/Lsf] cl:tTj gd]6fpg ;'emfj lb+b} s'df/Lsf] gfd /fd|f] 5 Tof] sfod ug{, ^ j6f ;+:yf ldNbf ;+:yfut z';f;gdf Wofg lbg, dh{/ kl5 slt j6f zfvf ;+Vof x'G5, s'g zfvfaf6 s] slt gfkmf sdfpg ;S5 Tof] lbPsf] eP / 5 j6} ;+:yfsf] df]6fdf]6L tYofÍ lbPsf] eP /fd|f] x'g] wf/0ff /fVg' eof] . ;fgf ;fgf If]qdf nufgL a9fpg, s[ifL / hn;|f]tdf nufgL ug{ ;'emfj ug'{ eof] . dh{/ clgjfo{ h:t} ePsf]n] hf] ;'s};Fu dh{ gu/L cj dh{ x'g ;+:yfsf] cj:yfdf Wofg lbg' kg]{ wf/0ff /fVg' eof] . xfdL lxGb' wd{ dfGg] ePsf]n] s'df/L gfd sfod ePdf /fd|f] x'g] wf/0f JoQm ug'{ eof] . cGtdf !! k|ltzt af]gz z]o/sf] nflu klg wGojfb lbg' eof] .
8_lnlvt dGoJo lbg] z]o/wgL >L g/l;+x nfn r+v' M— jf;nft s]xL xb;Dd /fd|f] 5, hu]8fsf]if a[l4 ug'{ kg]{, lgIf]k, nufgL / shf{ k|jfxdf k|ult ePsf] b]lvG5, Aofh cfDbfgL a9fpg' kg]{ b]lvG5, Forex management,Loan portfolio management df Wofg lbg'k5{, cfDbfgLsf lzif{sx?nfO{ dha't agfpg' kg]{ b]lvG5,ROA & ROI ;'wf/sf] nflu hf]8 lbg' k5{, Earning Assets Mgmt. Assets turnover ratio k|aWb{g ug'{ kg{], Debit to Equity Ratio ;'wf/ ug'{ kg]{, shf{ c;'nLdf Wofg lbg' kg]{, Aofh cfDbfgL 36]sf], shf{ ;fk6 / s'n ;DklQdf v'b gfkmf 36]sf]n] ;'wf/ ug'{ kg]{, Fund mgmt. df ;'wf/ ug'{kg]{, ljleGg hf]lvd tkm{ ;hu x'g'kg]{, dh{/df hfFbf HR mgmt.,Data mgmt. df ;hu x'g / Working & other culture ;dGjo x'g' kg]{, zfvfx?sf] Activation profit base x'g'kg]{ / cGtdf Business plan, Strategy plan / Marketing Strategy sf] ;fy sfo{ ug'{kg]{ ;'emfj lb+b} sDkgLsf] k|ultsf] sfdgf ug'{ eof] .
!#_;efdf k]z ePsf ;'emfj tyf ;jfn hjfkmsf] k|:t'lts/0f M
5nkmndf ;xefuL z]o/wgL dxfg'efjx?n] k]z ug'{ ePsf cf—cfk\mgf] dGtJo, lh1f;f, ;'emfj tyf k|ltlqmofx?nfO{ cWoIfHo"n] a'Fbfut hfgsf/L u/fpg' eof] . ;fy} dh{/ ;DjGwL ljifodf ;~rfns, dh{/ ;ldltsf ;+of]hs Pj+ ;+o'Qm dh{/ ;ldltsf ;b:o 8f= zf]efsfGt 9sfnn] hfgsf/L u/fpg] Joxf]/f cjut u/fpg' eof] . ;f] hjfkm tyf k|li6s/0fnfO{ Plss[t tyf ;f/f+zsf] ?kdf lgDg cg';f/ k|:t't ul/Psf] 5 M—
;j{ k|yd ;~rfns 8f= zf]ef sfGt 9sfnHo"åf/f k|:t't hfgsf/L M
jQmf z]o/wgL ;fyLx?n]dGtJo lbg] qmddf p7fpg' ePsf] lh1f;f, ;Nnfx, ;'emfj / z'esfdgfx?sf] nflu xflb{s wGojfb 1fkg ug'{ eof] . pxf‘x?åf/f AoQm lh1f;fsf cGo ljifox?df cWoIfHo"n] hfgsf/L u/fpg' x'g] Joxf]/f cg'/f]w ub}{ dh{/ ;DjGwL ljifodf dfq cfkm'n] k|:6 kfg]{ Joxf]/f cg'/f]w ug{'eof] .
!_j}+s !% jif{ k'u]sf] cj:yfdf a}+ssf] af/]df oxfFx? cfkm} hfgfsf/ x'g' x'G5 eGg' x'Fb} dh{/sf] ;DjGwdf oxfFx?n] lbPsf] Mandate cg';f/ g} Merger Committee u7g u/L cfkm'x? cuf8L a9]sf] Joxf]/f cjut u/fpg' eof] .
@_o; a}+sn] dh{ ug{sf] nflu pko'Qm ;j} vfnsf] a}+s, ljQLo ;+:yfx?;Fu r/0fj4 5nkmn rnfPsf] -h:t}M Pe/]i6 a}+s, l;4fy{ a}+s, ;g/fO{h a}+s, n'lDjgL a}+s, e[s'6L 8]enf]kd]G6 a}+s, klZrdf~rn kmfO{gfG; cflb;Fu_ ljleGg r/0fsf] s'/fsflg kl5 dh{/sf] Pp6f r/0fdf klg k'u]sf]/ kl5 s'g} !.@ j6f sf/0fn] Tof] k|s[of c;kmn x'g k'u]sf] Joxf]/f ;d]t k|:t't ug'{ x'Fb} dh{/ cfkm}df sl7g sfo{ ePsf] Joxf]/f hfgsf/L u/fpg' eof] .
#_o; a}+sn] dh{/ ubf{ s'g a}+s;Fusf] Swap ratio s] slt x'g ;S5 elg k|fKt tYofÍsf] cfwf/df ;Defljt a}+s, ljQLo ;+:yf;Fusf] Swap ratio lgsfln cfkm\gf] tkm{af6 k|z:t} u[xsfo{ u/]sf] Joxf]/f cg'/f]w ug'{ eof] .
$_dh{/ ubf{ ;j} s'/f v'n]/ ug{ gldNg] ePsf]n] eg] h:tf] ;lhnf] gePsf], dh{/sf] 5nkmndf dh{/ ;ldlt jfx]ssf ;~rfnsx?, ;+:yfksx?, k|d'v sfo{sf/L clws[t,cfjZostfg';f/ cGo sd{rf/L tyf cGo ;/f]sf/jfnf;Fu klg ;fd'lxs 5nkmn u/L lg0f{o lng] k|rng /x]sf] Joxf]/f hfgsf/L u/fpg' eof] .
%_dh{ ubf{ ;j} kIfsf] Swap ratiolgikIf 9+un] cfpg' k5{ / s'g} cfu|x k"jf{u|xaLgf ;DklQsf] d"Nofs+g x'g' kg]{df dh{/ ;ldlt ;r]t /x]sf] Joxf]/f cjut u/fpg' eof] .
^_NCC Bank ;Fusf] dh{/ k|s[of xr'jfsf] e/df geO{ w]/} r/0fsf] s'/fsfgL kl5 lg0f{o lnPsf], pQm a}+ssf] ;fljssf] l:yltaf6 dfly p7]sf] cj:yf /x]sf], tyfkL o; a}+ssf] r'Qmf k'Flh, ;DklQ, lgIf]k, zfvf ;+Vof, cflbsf] sf/0f xfdL cuf8L /x]sf] Joxf]/f cjut u/fpg' eof] .
&_z]o/wgLx?n] p7fPsf] ;DklQsf] s'/fdf dh{/ ;ldlt ;r]t /x]sf] 5 o;df sfg'gL kIfnfO{ x]/]/ pko'Qm lg0f{o x'g] g} 5 . gfdsf] jf/]df s'df/Lsf] gfd cuf8L x'g' kg]{ xfd|f] egfO{ /fv]sf 5f}+, cjsf] g]t[Tj s'df/L a}+sn] ug]{ Joxf]/f ;d]t oxfFx?nfO{ hfgsf/L u/fpFb5f}+ eGg' eof] .
*_dh{/ ug{ ;do tflnsf agfP/ cuf8L a9]sf] / DDA n] klg tf]s]sf] ;do leq} k|ltj]bg lbg] ck]Iff u/]sf 5f}+ / oyfzSo cfiff9 d;fGt leq} dh{/ sfo{ ;DkGg ug]{ nIo /x]sf] Joxf]/f hfgsf/L u/fpg' eof] .
(_sd{rf/Lx?sf] Joj:yfkg klg Right man right place sf] gLlt clVtof/ ul/g]5, dh{/ kl5 klg ;Dej eP;Dd @) k|ltzt k|ltkmn lbg' k5{ eGg] kIfdf 5f}+ eGg] Joxf]/f hfgsf/L u/fpg' eof] .
!)_cGtdf dh{/ ug{sf] nflu ljz]if ;fwf/0f ;ef ug}{ kg]{ ePsf]n] To;df oxfFx? ;j} pkl:yt x'g / cfkm\gf ;fly efO{x?nfO{ klg vj/ ul/ ;fwf/0f ;efdf ;xefuL x'g cg'/f]w ub}{ dh{/sf] nflu yk s]xL ;Nnfx ug'{ kg]{ ePdf oxfFx? nufot cGo ;DjWb kIfx?;Fu yk 5nkmn ul/ cuf8L a9\g] Joxf]/f cjut u/fpg' eof] . o; kl5 cGo s'/fx? cWoIfHo"n] g} hfgsf/L u/fpg] Joxf]/f cg'/f]w ug'{ eof] .