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32 AGM Press Release

Kathmandu, January 13, 2019– The 32nd Annual General Meeting (AGM) of Nepal Investment Bank Ltd (NIBL) held on 13 January, 2019 (29 Poush 2075) at Rastriya Sabha Griha, Kathmandu decided to distribute 40 % dividend - 18 % stock dividend and 22 % cash dividend - on its total paid-up capital to the shareholders.

 

During the year, NIBL earned Operating Profit of NPR 4.95 billion as compared to previous year 4.68 billion. The Net Profit of the Bank for FY 2074-75 is NPR 3.65 billion. NIBL’s Paid-up capital will reach NPR 12.58 billion (after issue of 18% Bonus Share for FY 2074-2075). In FY 2074-2075 NIBL’s deposits have increased by 11.45 %, reaching NPR 140 billion. Total lending of the bank increased by 14.44 % reaching NPR 120 billion. The NPA ratio of the bank is at 1.36 %.

 

The bank has more than 9 lakhs customer base catered from its 78 branches, 8 extension counters across the country. NIBL has a network of 109 ATMs and leads a consortium 14 Visa Associate banks and 7 NPN member banks.

 

During the fiscal year 2074-2075, NIBL Capital Markets Ltd. a wholly owned subsidiary of Nepal Investment Bank Limited acquired Ace Capital Limited to form NIBL Ace Capital Limited. It has become Nepal’s largest merchant bank to have paid-up capital of NPR 27 million with its branches located at Laldurbar, Lagankhel, Pokhara, Butwal, Birgunj and Biratnagar.

 

NIBL is the only bank in the country to have received the “Bank of the Year Award” five times from Financial Times Group’s The Banker, a UK based Bank magazine. It also received the “Euromoney Award for Excellence- the Best Bank 2018” and received a credit rating [ICRANP-IR] A+ from ICRA Nepal.

 

sf7df8f}F, @( k'if, @)&%– g]kfn OGe]i6d]06 a}+s ln=sf]] #@cf}F jflif{s ;fwf/0f;ef ;DkGg ePsf] 5 . ;+rfns ;ldltsf cWoIf k[YjLaxfb'/ kf8]Fsf] cWoIftfdf ;DkGg ;fwf/0f;efn] ;+rfns ;ldltsf] k|ltj]bg kfl/t ug{'sf ;fy} Gf]kfn /fi6« a}+ssf] lgb{]zfg';f/ Nepal Financial Reporting Standards (NFRS) adf]lhd tof/ ljQLo ljj/0f pk/ 5nkmn u/L :jLs[t u/]sf] 5 . ;fwf/0f;efn] @)&$–&% ;Ddsf] ;+lrt d'gfkmfaf6 @)&% cfiff9 d;fGt;Dddf sfod z]o/ k"FhLsf] !* k|ltzt af]g; z]o/ / @@ k|ltzt gub nfefz lbg] k|:tfj ;d]t kfl/t u/]sf] 5 .

a}+ssf] r'Qmf k"FhL ?= !@ ca{ %* s/f]8 -kfl/t !* k|ltzt af]g; ;lxt_ k'u]sf] 5 . To;} u/L a}+ssf] hu]8f tyf sf]ifsf] /sd klg a9]/ ?=( ca{ && s/f]8 k'u]sf] 5 eg] z]o/wgL sf]if -ShareholdersÚ Fund_ /sd ?=@$ ca{ *& s/f]8 k'u]sf] 5 . o; a}+ssf] z]o/wgL sf]if lghL If]qsf a}+sx?dWo] pRr /x]sf] 5 . g]kfn OGe]i6d]06 a}+s ln=n] cf=j= @)&$–&% df ¿=$ ca{ (% s/f]8sf] ;~rfng d'gfkmf sdfPsf] 5 . To;} u/L v'bgfkmf # cj{ ^% s/f]8 k'u]sf] 5  . a}+ssf] lgIf]k !!=$% k|ltztn] a9]/ ¿= ! va{ $) ca{ k'u]sf] 5 eg] shf{ nufgL !$=$$ k|ltztn] a9]/ ¿=! ;o @) ca{ k'u]sf] 5 . a}+ssf] v/fa shf{ -Pg=lk=P=_ cg'kft !=#^ k|ltzt /x]sf] 5  .

a}+lsË ;]jf gk'u]sf :yfgLo txdf sfof{no vf]Ng] Gf]kfn /fi6« a}+ssf] lgb]{zgnfO{ kfngf ub{} zfvf la:tf/sf] qmddf a+}sn] pkTosf leq / aflx/ u/L !^ j6f gofF zfvfx? la:tf/ u/]sf] 5 eg] P; 8]enKd]06 a}+s ln=sf] k|flKtkl5 Ps} If]qdf /x]sf s]xL zfvfsf] :yfgfGt/0f klg u/]sf] 5 . lj:tfl/t zfvf ;lxt a}+sn] sf7df08f}+ pkTosf leq @# tyf pkTosf aflx/ %% u/L hDdf &* j6f zfvf sfof{no, * j6f PS;6]G;g sfpG6/, ( j6f /fhZj ;+sng PS;6]G;g sfpG6/, $& j6f zfvf/lxt a}+lsª ;'ljwf tyf !)( j6f Pl6Pdaf6 ;]jf lbO/x]sf] 5 .

To:t} oxL jif{ a}+ssf] ;xfos sDkgL PgcfO{laPn Soflk6n dfs{]6 ln= / ;fljs P; Soflk6n ln= Pscfk;df ufleO{ g]kfnsf] ;a}eGbf al9 ?=@& s/f]8 r'Qmf k"+hL ePsf] dr]{G6 a}+s/sf] ?kdf PgcfO{laPn P; Soflk6n ln= :yflkt ePsf] 5 ;fy} cfkm\gf pknJw ;]jfx?nfO{ ;'ne Pj+ ;xh agfpg pkTosf leq nfnb/jf/ / nugv]n tyf pkTosf aflx/ kf]v/f, a'6jn, la/u~h / la/f6gu/df klg zfvf lj:tf/ ul/;s]sf] 5  .

a}+sn] u|fld0f If]qsf u|fxs ;]jfnfO{ Wofgdf /fvL k|b]z cg';f/ ljlQo ;+hfn gk'u]sf If]qdf zfvf lj:tf/ ug]{ nIonfO{ lg/Gt/tf lbFb} ;dofg's'n k|ljlwsf] k|of]udf yk hf]8 lbO{ u|fxs ;]jfdf ;xhtf Nofpg] tyf /fi6«sf] ;du| ljsf;df cu|;/ x'g] efjL of]hgf agfPsf] 5 .

o;jif{b]lv a}+sn] cfkm\gf sf8{ ;+hfndf df:6/sf8{sf] ;]jf ;+rfngdf NofPsf] 5 . df:6/sf8{af6 Pl6Pd / k; (POS) d]l;g b'a}sf] ;'ljwf k|fKt ug{ ;lsG5 .


a}+s ckm lb Oo/ kfFr k6s k|fKt ul/;s]sf] NIBL n] pTs[i6 ;]jf tyf Joj;fodf u/]sf]] cAan k|bz{gsf sf/0f Euromoney gfds cGt/f{li6«o klqsfaf6 Euromoney award for excellence “Best Bank 2018” cjf8{ k|fKt ug{ ;kmn ePsf] 5 eg] o;} aif{ Oqmf g]kfn4f/f k|bfg ul/b} cfPsf] qm]l86 /]l6Ëdf A af6 A + NofO{ :Q/f]glGt u/]sf] 5 .

 

 

 
NIBL 31 Annual General Meeting

Press Release Kathmandu, 24th October 2017- Nepal Investment Bank Limited (NIBL) has successfully held its 31th Annual General Meeting (AGM) for the fiscal year 2073-74 on 24th October, 2017 at Rastriya Sabha Griha, Kathmandu. The AGM highlighted the Bank's major achievements in the fiscal year 2073-74, future plans, performance targets and strategies. The Bank has proposed15% of stock dividend and 25% cash dividend on its total Paid up Capital to the shareholders.

 

The Annual General Meeting also elected Mr. Kabi Kumar Tibrewal, Mr. Prajanya Raj Bhandari, Mr. Surya Prakash Lal Shrestha and Mr. Prithivi Bahadur Pande as directors representing promoter group.

 

During the year, NIBL earned Operating Profit of NPR 5.24 billion before provision as compared to previous year 4.13 billion. The Net Profit of the Bank grew by 22.1% to reach NPR 3.11 billion against NPR 2.55 billion of previous year. NIBL Paid Up capital will reach NPR 10.62 billion (after issue of 15% Bonus Share  in FY 2073-2074). In FY 2073-74 NIBL's deposits have increased by 15.7 percent, reaching NPR 125.66 billion. Total lending of the bank increased by 22.6 percent reaching NPR 106.68 billion.

 

The Bank has been striving for growth, enhancing customer service experience and strengthening relationship with all its stakeholders. NIBL has acquired Ace Development Bank Ltd. to provide consolidated service in view to further enhance customers' need and expand nationwide reach. The Bank has a customer base of more than 836,000 being served from a network of 61 branches, 99 ATMs and 4 extension counters nationwide.

 

To provide enhanced customer service to more than 836,000 customers, Nepal Investment Bank Ltd.  jointly with Nepal Electricity Authority has agreed to make all the payments of Nepal Electricity Authority bills through any NIBL branches and online banking services from this year.

 

Nepal Investment Bank Ltd. (NIBL) has been striving towards incorporating segments that have been deprived from financial services. As an initiative to attain financial inclusion, the Bank will be opening its branches in deprived and unreached sectors of the country, will be using highest level of technologies to provide easy, enhanced and excellent banking services to the customers and will be working towards development of the whole nation.

 

The Bank had also recently added Mastercard into its network in both the ATM and POS to provide enhanced service to its cardholders. Also, Nepal Investment Bank Ltd. has been certified with Payment Card Industry Data Security Standard (PCI DSS) Version 3.2 in view to facilitate added security for its more than 400,000 cardholders. PCI DSS is the highest level of card data security standard worldwide to enhance safety and security of card data environment of all branded cards.

 

NIBL has been awarded with the prestigious ‘Bank of the Year’ title awarded by 'The Banker', Financial Times, based in London, five times, and has also been continuously receiving an ICRA Nepal Credit Rating ‘A’ since 2010/11.

 

k|]; lj1lKt sf7df8f}F, )& sflt{s @)&$

g]kfn OGe]i6d]06 a}+s ln=sf]] #!cf}F jflif{s ;fwf/0f;ef ;DkGg ePsf] 5 . ;+rfns ;ldltsf cWoIf k[YjL afxfb'/ kfF8]sf] cWoIftfdf ;DkGg ;fwf/0f;efn] ;+rfns ;ldltsf] k|ltj]bg kfl/t ug'{sf ;fy} cfly{s jif{ @)&#–&$ sf] a}+ssf] ljlQo ljj/0f pk/ 5nkmn u/L :jLs[t u/]sf] 5 . ;fy} ;fwf/0f;efn] ;+:yfks z]o/wgLx?sf] tkm{af6 $ hgf ;+rfnsx?sf]] lgjf{rg klg ;DkGg u/]sf] 5 . ;fwf/0f;efn] @)&#–&$ ;Ddsf] ;+lrt d'gfkmfaf6 @)&$ cfiff9 d;fGt;Dddf sfod z]o/ k"FhLsf] !% k|ltzt af]g; z]o/ / @% k|ltzt gub nfefz lbg] k|:tfj ;d]t kfl/t u/]sf] 5 .

a}+ssf] r'Qmf k"FhL ?= !) ca{ ^@ s/f]8- kfl/t af]g; ?=! ca{ #* s/f]8 ;lxt_ k'u]sf] 5 h'g g]kfnsf lghL a}+sx?dWo] ;a}eGbf a9L xf] . To;} u/L a}+ssf] ;l~rlt /sd klg a9]/ ? * ca{ * s/f]8 k'u]sf] 5 eg] z]o/wgL sf]if (Shareholders' Fund) /sd ?= !* ca{ &) s/f]8 k'u]sf] 5 . o; a+}ssf] z]o/wgL sf]if klg lghL If]qsf a}+sx?dWo] s} ;a}eGbf pRr /x]sf] 5 .

g]kfn OGe]i6d]06 a}+s ln=n] cf=j= @)&#–&$ df ¿= % ca{ @$ s/f]8sf] ;~rfng d'gfkmf sdfPsf] 5 h'g cl3Nnf] cf=j=@)&@–&# eGbf @^=& k|ltztn] a9L xf] . To;} u/L v'bgfkmf @@=! k|ltztn] a9]/ ¿=# ca{ !! s/f]8 k'u]sf] 5 . a}+ssf] lgIf]k !%=& k|ltztn] a9]/ ¿= ! v{ @% ca{ k'u]sf] 5 eg] shf{ nufgL @@=^ k|ltztn] a9]/ ¿=! Vfa{ ^ ca{ k'u]sf] 5 . a}+ssf] v/fa shf{ -Pg=lk=P=_ /]l;of] ut jif{sf] )=^* k|ltzteGbf a9]/ )=*# k|ltzt k'u]klg cfpFbf aif{df 36fP/ cem Go"gtd\ :t/df n}hfg] a}+ssf] k|of; hf/L /xg]5 .

a}+lsª If]qnfO{ yk ;Ifd tyf Plss[t ug{sf] lglDt g]kfn /fi6« a}+sn] lnPsf] dh{/ jf k|fKtLsf] lgltnfO{ cfTd;fy ub{} g]kfn OGe]i6d]06 a}+s ln= n] P; 8]enkd]G6 a}+s ln=nfO{ k|fKtL u/L ldlt @)&$ cfiff9 @( ut]af6 Plss[t sf/f]af/ ;'? u/]sf] 5 . P; k|fKtLkZrft\ a}+ssf] sf7df08f}+ pkTosf leq @# tyf pkTosf aflx/ #* u/L hDdf ^! j6f zfvf sfof{no, # j6f PS;6]G;g sfpG6/ tyf (( j6f Pl6Pd k'u]sf 5g\ .

;fy} o; jif{b]lv a}+sn] u|fxsju{sf] ;'ljwf x]t' g]kfn ljB't k|flws/0fsf] ljB't dx;'n ;+sng sfo{sf] nflu ;Demf}tf u/L dfl;s ljB't dx;'n a}+saf6} e'QmfgL ug{ ;a} zfvf tyf O–a}+lsªdfkm{t ;]jf ;'?jft u/]sf] 5 .

a}+sn] u|fld0f If]qsf u|fxs ;]jfnfO{ Wofgdf /fvL k|b]z cg';f/ ljlQo ;+hfn gk'u]sf If]qdf zfvf lj:tf/ ug{], ;dofg's'n k|ljlwsf] k|of]u u/L u|fxs ;]jfdf ;xhtf Nofpg] tyf /fi6«sf] ;du| ljsf;df cu|;/ x'g] efjL of]hgf agfPsf] 5 .

o;jif{b]lv a}+sn] Pl6Pd / k; ( POS) d]l;g b'a}df k|of]u ug{ cfkm\gf] sf8{ ;+hfndf df:6/ sf8{sf] ;]jf;+rfngdf NofPsf] 5 . ;fy} cfkm\gf $ xhf/ eGbf a9L sf8{ k|of]ustf{sf 8f6fnfO{ cem ;'/lIft agfpg a}+sn] ljZj ljVoft 8f6f ;'/Iff dfkb08 PCI DSS ( PAYMENT CARD INDUSTRY DATA SECURITY STANDARD ) ;]jfsf] #=@ ;+:s/0f k|dfl0fs/0f k|fKt u/]sf] 5 .

g]kfn OGe]i6d]06 a}+s ln=n "lb a+}s/", kmfOgflG;on 6fOD;, n08gåf/f lbOPsf] ;Ddfghgs "a}+s ckm lb Oo/" pkflw % k6s k|fKt ul/;s]sf] 5 eg] cfO{=l;=cf/=P= æsÆ ju{ Af}+ssf] pkflw klg @)^&÷)^* b]lv nuftf/ xfl;n ub{} cfO/x]sf] 5 .

 

 
Press Release of NIBL Nijgad Branch

g]kfn OGe]i6d]06 a}+s ln=n] af/fsf] lghu9 gu/kflnsf l:yt lghu9 ahf/df zfvf vf]n]sf] 5 . k;f{sf] lj/u~h ln+s/f]8df /x]sf] g]kfn OGe]i6d]06 a}+s ln=- ;flassf] P; 8]enkd]06 a}s+ ln=_ l:yt zfvfnfO{ af/fsf] lghu9df :yfgfGt/0f ul/Psf] xf] .

@% xhf/ a9L hg;+Vof /x]sf] k|b]z gDa/ @ l:yt lghu9sf :yfgLonfO{ of] zfvfn] ljlQo sf/f]af/df ;xhtf k|bfg ug]{ ck]Iff lnOPsf] 5 . dx]Gb| /fhdfucGtu{t kyn}of / rGb|lgufxk'/sf] lardf kg{] lghu9nfO ;/sf/n] :df6{ l;6L agfpg] elgPsf] If]q klg xf] .

a}+sn] u|fdL0f If]qsf ;j{;fwf/0fnfO{ ;xh a}+lsª ;]jf k|bfg ug{] pb]Zon] k|b]z cg';f/ ljQLo ;+hfn gk'u]sf If]qdf zfvf lj:tf/ ug{] of]hgf cg';f/ zfvf lj:tf/sf] cleofgnfO{ lg/Gt/tf lbPsf] xf] .

u|fdL0f If]qsf hgtfnfO{ ;'ljwf lbg] pb]Zon] ljkGg ju{ shf{tkm{ k|ToIf @@ xhf/ ;ft ;o JolQmnfO{ ?=# ca{ &^ s/f]8 nufgL ug{] g]kfn OGe]i6d]06 a}+s ln= Ps dfq lghL If]qsf] a}+s /x]sf] 5 .

cf7 nfveGbf a9L pkef]Qmf /x]sf] a}+ssf] !)) j6f Pl6Pd k'u]sf] 5 eg] & j6f PS:6]G;g sfpG6/ /x]sf] 5 . % nfv %) xhf/eGbf a9L le;f 8]lj6 sf8{ k|of]ustf{ /x]sf] g]kfn OGe]i6d]06 a}+s ln=sf] %& j6f zfvf/lxt a}+lsË ;'ljwfsf ;fy} #)) a9L le;f tyf PglkPg ;b:o /x]sf] a}+ssf] Pl6Pd /x]sf] 5 .

 

 
Press Release of NIBL Bhairahawa Branch

kmfNu'g @), @)&$– g]kfn OGe]i6d]06 a}+s ln=n] ?kGb]xL lhNnf l;bfy{gu/ gu/kflnsf j8f g= % cjl:yt g]kfn OGe]i6d]06 a}+s ln=sf] e}/xjf zfvf sfof{nonfO{ ;f]xL gu/kflnsfsf] gf/fo0fkyl:yt cfkm\g} gjlgld{t ejgdf :yfgfGt/0f u/]sf] 5 . :yfgLo dfu cg';f/ sf/f]jf/ ug{] :yfg ;fgf] ePsfn] cfjZostf k"lt{sf nflu a}+sn] ;'ljwf;DkGg ejg lgdf{0f u/L zfvf ;f/]sf] xf] . a}+sn] xfn ^^ j6f -gf/fo0fu9 / k;f{ zfvf :yfgfGt/gsf] k|lqmof;lxt_ zfvfdfkm{t a}+lsª ;]jf lbO/x]sf] 5 .

a}+sn] u|fld0f If]qsf u|fxs ;]jfnfO{ Wofgdf /fvL k|b]z cg';f/ ljQLo ;+hfn gk'u]sf If]qdf zfvf lj:tf/ ug{] of]hgf cg';f/ zfvf lj:tf/sf] cleofgnfO{ lg/Gt/tf lbPsf] 5 . xfn k|b]z gDj/ ! df * j6f, k|b]z gDj/ @ df ^ j6f, k|b]z gDj/ # df #! j6f, k|b]z gDj/ $ df % j6f, k|b]z gDj/ % df * j6f, k|b]z gDj/ ^ df $ j6f / k|b]z gDj/ & df $ j6f zfvf k'u]]sf] 5 . ;fy} a}+sn] o;} cfly{s jif{df b]zsf ljleGg ;'ud tyf b'u{d If]qdf yk zfvf vf]nL u|fxs ;+hfnnfO{ cem lj:tf/ ug{] of]hgf agfPsf] 5 .

cf7 nfveGbf a9L pkef]Qmf /x]sf] a}+sn] xfn (* j6f Pl6Pdaf6 ;]jf k|bfg ub{} cfPsf] 5 . % nfv %) xhf/eGbf a9L le;f 8]la6 sf8{ k|of]ustf{ /x]sf] g]kfn OGe]i6d]06 a}+s ln=sf] ^# j6f zfvf/lxt a}+lsª ;'ljwfsf ;fy} #)) a9L le;f tyf PglkPg ;b:o a}+ssf Pl6Pd /x]sf] 5 . lglh If]qdf ;jf{lws r'Qmf k"FhL ? !)=^@ ca{ ?k}ofF /x]sf] o; a}+ssf] xfn lgIf]k ?= ! ;o #) ca{ ?k}ofF tyf s"n shf{ nufgL ?= ! ;o !$ ca{ ?k}ofF k'u]sf] 5 .

 

g]kfn OGe]i6d]06 a}+s ln=n] "a}+s ckm lb Oo/" pkflw % k6s k|fKt ul/;s]sf] 5 eg] A ju{sf] /]l6ª klg % jif{b]lv nuftf/ xfl;n ub{} cfO/x]sf] 5  .

 

 
Press Release of EuroMoney Excellence-Best Bank Nepal 2018

 

Nepal Investment Bank has won the award of ‘Nepal’s Best Bank’ from Euromoney magazine’s Awards for Excellence 2018, one of the most significant accolades in financial services.

Euromoney, first published in 1969, is an English-language monthly magazine focused on business and finance. It is the flagship production of Euromoney Institutional Investor plc.
The Euromoney awards evaluate levels of service, financial performance and other achievements across the banking industry. This year the organizers received almost 1,500 submissions from banks around the world competing for global, regional and national titles.

Mr. Bhuwaneshwar Prasad Shah, Director of NIBL accepted the ‘Nepal’s Best Bank’ award on behalf of NIBL, amidst the special gala dinner event at J.W Marriott, Pacific Place, Hong Kong. There were almost 500 leading banks from around Asia. “This award is a very fulfilling testimonial of NIBL’s strategic achievements”, said the Director.

With the acquisition of Ace Development Bank, NIBL’s Paid-up Capital reached NPR 10.65 billion with NPR 20.94 billion Core Capital and Assets worth more than USD 1.5 billion. The bank delivered a 3rd Quarter net profit of NPR 2.84 billion with a deposit base of NPR 130.2 billion and a lending base of NPR 118.8 billion - the highest lending base among private sector banks. It also has 57 branchless banking counters across remote parts of Nepal. The bank disbursed NPR 3.7 billion micro credit loans to deprived sector that has helped in the sustainable development of rural communities.

The bank has more than 8.7 lakhs customer base catered from its 77 branches, 7 extension counters across the country. NIBL has a network of 101 ATMs and leads a consortium 14 Visa Associate banks and 7 NPN member banks. There are almost 1.5 million cards issued by its network, along with 790 ATMs and 2,597 POS terminals.

NIBL is the only bank in the country to have received the “Bank of the Year Award” five times from Financial Times Group’s The Banker, a UK based Bank magazine and has received a credit rating [ICRANP-IR] A+ from ICRA Nepal (International Credit Rating Agency- Nepal).

 

g]kfn OGe]i6d]06 a}+s ln=n] o'/f]dgL PlS;n]G;–pTs[i6 a}+s g]kfn @)!* (“Euromoney excellence - Best Bank Nepal 2018”) cGt/f{li6«o k'/:sf/ k|fKt u/]sf] 5 . k|ltli7t c+u]|hL cfly{s dfl;s klqsf o'/f]dgLn] xªsªdf Plzofsf kfFr ;o a9L ljlzi6 kfx'gf ;xefuL Ps eJo ;df/f]xljr a}+sn] k|fKt u/]sf] k'/:sf/ a}+ssf lgb{]zs e'jg]Zj/k|;fb zfxnfO{  k|bfg u/]sf] 5 .  g]kfn OGe]i6d]06 a}+s ln=n] of] cjf8{ klxnf] k6s k|fKt u/]s]f xf] .

;g\ !(^( df klxnf] k6s k|sflzt o'/f]dgL Dofuflhgsf z]o/ xf]N8/x?n] z'? u/]sf] of] k'/:sf/,  ;+:yfsf] ;]jf, ;'ljwf tyf ljlQo cj:yfsf af/] lj:t[tdf cWoog tyf cg';Gwfg u/]kl5dfq k|bfg ul/G5  . o; aif{ o;df !% ;oeGbf a9L ljlQo ;+:yfx?n] /fli6«o, If]lqo tyf ljZjJofkL ?kdf ;xeflutf hgfPsf lyP .

cf7 nfv &) xhf/ eGbf a9L pkef]Qmf /x]sf] g]kfn OGe]i6d]06 a}+s ln=sf] xfn && j6f zfvf  tyf !)! j6f Pl6Pd  5 . % nfv %) xhf/eGbf a9L le;f 8]la6 sf8{ k|of]ustf{ /x]sf] a}+ssf] %& j6f zfvf/lxt a}+lsª ;'ljwfsf ;fy} a}+ssf] ;+hfndf &() a9L le;f tyf PglkPg ;b:o a}+ssf Pl6Pd /x]sf] 5 .

P; 8]enkd]06 a}+s lnsf] k|flKtkZrft g]kfn OGe]i6d]06 a}+s ln=sf] cfly{s jif{ @)&$–&% sf] t]];|f] q}dfz;Dddf r'Qmf k"FhL ?=!)=^% ca{ k'u]sf] 5 eg] a}+ssf] k|fylds k"FhL ?= @)=($ ca{ k'u]sf] 5  . To;}u/L a}+sn] ? !#)=@ ca{ lgIf]k ;+sng u/L ? !!*=* ca{ shf{ k|jfx u/]sf] 5 . o; cjlw;Dddf a}+sn] ? @=*$ ca{ v'b gfkmf ug{ ;kmn ePsf] 5 .  t];|f] q}df;;Dddf a}+ssf] k"FhL kof{Kttf cg'kft !#=@% k|ltzt 5 eg] a}+sn] lgl:qmo shf{nfO{ )=&^ k|ltztdf l;ldt kf/]sf] 5 .

kfFr k6s;Dd  a}+s ckm b Oo/ k|fKt ul/;s]sf] a}+sn] cfˆgf] ;~rfng sfnsf] #@ jif{ k"/f u/L pTs[i7 ;]jf lj:tf/, u|fxs;]jfdf gjLgtf tyf z]o/wgLx¿;Fusf] ;DaGw ;'b[9 ub}{ nu]sf] 5 . g]kfn OGe]i6d]06 a}+s ln=n] cGt/fli6«o dfGotf k|fKt qm]l86 /]l6ª Ph]G;L -cfO=l;=cf/=P=_ g]kfnaf6 A+ sf] dfGotf k|fKt u/]sf] 5  .

 

 
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