c~evjx evz v - c~evjx e vsk wjwg UW Gi GKwU cökvkbv deª qvix 2015 t msl v 08

Transcription

1 c~evjx evz v - c~evjx e vsk wjwg UW Gi GKwU cökvkbv deª qvix 2015 t msl v 08

2 deª qvix 2015 t msl v 08 gvt Avãyj nvwjg PŠayix c~evjx e vs Ki bzzb e e vcbv cwipvjk gvt Avãyj nvwjg PŠayix c~evjx e vsk wjwg U Wi bzzb e e vcbv cwipvjk wn m e `vwqz fvi MÖnY K i Qb Gi c~ e wzwb 07 ww m ^i 2014 _ K c~evjx e vsk wjwg U Wi e e vcbv cwipvjk (PjwZ `vwqz ) c ` Kg iz wq jb e e vcbv cwipvjk wn m e wb qv Mi c~ e gvt Avãyj nvwjg PŠayix c~evjx e vs Ki AwZwi³ e e vcbv cwipvjk c ` Kg iz wq jb wzwb 1988 mv j wcöwýcvj Awdmvi wn m e c~evjx e vs K hvm`vb K ib wzwb GKB e vs Ki Dc-e e vcbv cwipvjk, FY wefv Mi gnve e vck, wewfbœ K c v iu kvlv cöavb Ges XvKv K `ªxq A ji AvÂwjK cöavb wn m e `vwqz cvjb K ib Rbve nvwjg PŠayix hy³ivóª, hy³ivr, MÖxm, gvj qwkqv, mšw`avie, evnivbb, fviz I nsks G wewfbœ cöwk Y I mwgbv i AskMÖnY K ib c~evjx e vsk wjwg U Wi 1000Zg evw mfv AbywôZ c~evjx e vsk wjwg U Wi 1000Zg evw mfv MZ 05 b f ^i 2014 ivravbxi jkvb K v e AbywôZ n q Q mfvq mfvcwzz K ib c~evjx e vsk cwipvjbv cl `i m vwbz Pqvig vb nvwdr Avng` gryg`vi c~evjx e vsk wjwg UW cwipvjbv cl `i fvbm Pqvig vb nvweeyi ingvb, cwipvjk gwbi DwÏb Avng`, Avng` kwd PŠayix, wg mm myivbqv ingvb, Gg Kwei ¾vgvb BqvKze, wg mm ivgvbv kixd, AvwRRyi ingvb, ^Zš cwipvjk Lyikx`-Dj-Avjg I W. kvn`xb gvwjk, wekí cwipvjk W. Ave`yi iv¾vk gûj, e vs Ki cöv³b e e vcbv cwipvjk I cöavb wbe vnx c~evjx e vsk wjwg UW wbr ^ gvbe m ú` KZ K D vwez Real-time Centralized Online Banking Software e envi K i e vs Ki mkj kvlvq AbjvB bi Kvh µg cwipvjbv Ki Q- hv emikvix Lv Z ez gv b evsjv ` ki me P q eo AbjvBb e vswks buiqvk GiB avivevwnkzvq AvaywbK I wbivc` e vswks mev cwipvjbvi j c~evjx e vsk wjwg U Wi wwrv vi wikfvwi (wwavi) m Uvi D Øvab Kiv nq Abyôv b Kg KZ v njvj Avng` PŠayix, ZrKvjxb AwZwi³ e e vcbv cwipvjk (ez gv b e e vcbv cwipvjk) gvt Avãyj nvwjg PŠayix, wmgdi I gnve e vck mvc` Avn g` GdwmG, wmwui I gnve e vck gvnv ` Avjx, Kv úvbx mwpe I gnve e vck gvt mvc` wmk`vi Ges Dc-gnve e vck I cö UvKj Awdmvi gvt kvn Avjg mfvq Dcw Z wq jb D j L, 1985 mv j c~evjx e vsk emikvixkiy n q e w³lv Z bzzb e e vcbvq gvî 16 KvwU UvKv g~jab Gici c ôv 5 Kjvg 1 c~evjx e vs Ki Avš R vwzk gv bi AZ vaywbk wwrv vi wikfvwi (wwavi) m Uvi D Øvab c~evjx e vsk cwipvjbv cl `i Pqvig vb nvwdr Avng` gryg`vi cöavb AwZw_ wn m e Dcw Z wq jb e vs Ki cwipvjk wg mm myivbqv ingvb wdzv K U wwrv vi wikfvwi (wwavi) m Uvi ïf D Øvab K ib we kl AwZw_ wn m e Dcw Z wq jb e vs Ki cwipvjke ` gwbi DwÏb Avng`, Avng` kwd PŠayix, wg mm ivgvbv kixd Ges AvwRRyi ingvb Abyôv b mfvcwzz K ib Gici c ôv 5 Kjvg 2 01

3 deª qvix 2015 t msl v 08 c~evjx e vsk wjwg UW 2014 mv ji Rb 10% K vk wwwf W U NvlYv K i Q c~evjx e vsk wjwg UW Gi AÂj I K c v iu kvlv cöavb `i cö_g m jb-2015 AbywôZ c~evjx e vsk wjwg UW Gi AÂj I K c v iu kvlv cöavb `i cö_g m jb-2015 e vs Ki cöavb Kvh vj qi evw i g m úªwz AbywôZ nq m j b cöavb AwZw_ wn m e Dcw Z wq jb c~evjx e vsk cwipvjbv cl `i Pqvig vb nvwdr Avng` gryg`vi m j b mfvcwzz K ib e vs Ki e e vcbv cwipvjk gvt Avãyj nvwjg PŠayix m j b e vs Ki Dc-e e vcbv cwipvjk kwddj Avjg Lvb PŠayix Ges cöavb Kvh vj qi gnve e vcke `, mkj AÂj cöavb I K c v iu c~evjx e vsk wjwg UW cwipvjbv cl ` mvgvwrk `vqe Zvi Ask wn m e Ôevsjv ` ki BwZnvm t cövpxb I ga hymõ ipbv I cökvkbv cök í Avw_ K mn hvwmzv wn m e GwkqvwUK mvmvbwu Ad evsjv `k K 7.5 j (mvz j câvk nvrvi) UvKv Abỳ vb cö`vb K i Q c~evjx e vsk cwipvjbv cl `i Pqvig vb nvwdr Avng` gryg`vi D³ cök íi cwipvjk XvKv wek we` vj qi AemicÖvß Aa vck Ave`yj gvwgb PŠayixi wbku Abỳ v bi PK n vš i K ib PK n vš i Abyôv b c~evjx e vsk cwipvjbv cl `i fvbm- Pqvig vb kvlv cöavb Ges DaŸ Zb wbe vnxe ` Dcw Z wq jb cöavb AwZw_i e³ e nvwdr Avng` gryg`vi DbœZZi I AvaywbK e vswks mev cö`v bi gva g Avg`vbx-ißvbx e emv m cömvi Yi Rb AvnŸvb Rvbvb wzwb e jb, we k i A_ bxwzi mv _ cvj v w` q evsjv ` ki A_ bxwzi e vwß Avi K jei e w cv Q e vswks LvZ GLv b g~l f~wgkv cvjb Ki Q wzwb e jb, cöwz hvwmzvg~jk e vswks Gi Î e vs Ki mkj K Avš wikfv e KvR Ki Z n e wzwb c~evjx Gici c ôv 6 Kjvg 3 GwkqvwUK mvmvbwu Ad evsjv `k K c~evjx e vsk wjwg U Wi Aby`vb nvweeyi ingvb, cwipvjke ` ˆmq` gvqv ¾g ûmvbb, Avng` kwd PŠayix, wg mm myivbqv ingvb, wg mm ivgvbv kixd, ^Zš cwipvjk Lyikx`-Dj-Avjg I W. kvn`xb gvwjk, e vs Ki cöv³b e e vcbv cwipvjk I cöavb wbe vnx Kg KZ v njvj Avng` PŠayix, ZrKvjxb AwZwi³ e e vcbv cwipvjk (ez gv b e e vcbv cwipvjk) gvt Avãyj nvwjg PŠayix I Dc-e e vcbv cwipvjk kwddj Avjg Lvb PŠayix Ges GwkqvwUK mvmvbwu Ad evsjv `k Gi mfvcwz ˆmq` Avwgi j Bmjvg I mvaviy m úv`k Avn g` Ave`yj vn Rvgvj Dcw Z wq jb c~evjx e vsk wjwg U Wi cwipvjbv cl `i 1015 Zg mfv MZ 28 deª qvix 2015 Zvwi L e vs Ki cöavb Kvh vj qi evw i g AbywôZ nq mfvq mfvcwzz K ib c~evjx e vsk cwipvjbv cl `i Pqvig vb nvwdr Avng` gryg`vi mfvq cwipvjbv cl ` 31 ww m ^i 2014 mv ji w wzcî Aby gv`b Ges GKB eq ii Rb 10% K vk wwwf W U cö`v bi mycvwik K ib mfvq AvMvgx 31 gvp 2015, g½jevi mkvj 9:00 NwUKvq e vs Ki 32 Zg evwl K mvaviy mfv wcgmwm Kb fbkb nj, cywjk vd K jr, wgicyi-14, XvKvq Abyôv bi wm vš M nxz nq mfvq e vs Ki cwipvjke ` gwbi DwÏb Avng`, ˆmq` gvqv ¾g ûmvbb, gäyi i ingvb, Avng` kwd PŠayix, Gg Kwei ¾vgvb BqvKze GdwmGgG (BD K), wmwrggg, AvwRRyi ingvb, wg mm ivgvbv kixd, ^Zš cwipvjk Lyikx`-Dj-Avjg, wekí cwipvjk gvt Ave`yi iv¾vk gûj, e e vcbv cwipvjk gvt Avãyj nvwjg PŠayix, Dc-e e vcbv cwipvjk kwddj Avjg Lvb PŠayix, wmgdi mvc` Avn g` GdwmG Ges gnve e vck I Kv úvbx mwpe gvt mvc` wmk`vi Dcw Z wq jb m cöwz GKwU Avš R vwzk m j b AskMÖnY Dcj hy³iv óªi IqvwksUb wwwm mdikv j c~evjx e vsk wjwg UW Gi Dc-e e vcbv cwipvjk kwddj Avjg Lvb PŠayix f qm Ae Av gwikvi evsjv wefvm cwi`k b K ib 02

4 deª qvix 2015 t msl v 08 bzzb kvlv D Øvab KwUqv`x kvlv, wk kvimä PÆMÖvg K G PÄ Gi gva g kqvi jb `b ïi K i Q c~evjx e vsk wmwkdwiwur wjwg UW c~evjx e vsk wjwg UW Gi kzfvm gvwjkvbvaxb c~evjx e vsk wmwkdwiwur wjwg UW `xn w`b hvez ` ki cu ywr evrv ii Dbœq b mwµqfv e AskMÖnY Ki Q Ges ` ki cy uwrevrvi mg w K í Kvh Kix c` c MÖnY K i XvKv K G PÄ Gi gva g z`ª wewb qvmkvixmy K we kl mnvqzv cö`vb K i Avm Q GiB avivevwnkzvq PÆMÖvg K G PÄ Gi gva g kqvi jb `b Kvh µg ïi K i Q c~evjx e vsk wmwkdwiwur wjwg UW c~evjx e vsk wjwg UW cwipvjbv cl `i m vwbz Pqvig vb nvwdr Avng` gryg`vi cöavb AwZw_ wn m e Dcw Z _ K PÆMÖvg K G PÄ Gi gva g kqvi jb `b Kvh µ gi ïf D Øvab K ib XvKv c~evjx e vsk wmwkdwiwur wjwg UW Gi cöavb Kvh vj q GB D Øvabx Abyôv b c~evjx e vs Ki cöv³b e e vcbv cwipvjk I cöavb wbe vnx Kg KZ v Ges c~evjx e vsk wmwkdwiwur wjwg UW Gi cwipvjk njvj Avng` PŠayix, c~evjx e vsk wmwkdwiwur wjwg UW Gi cwipvjk ivbv jvqjv nvwdr we kl AwZw_ wn m e Dcw Z wq jb Abyôv b AwZw_ wn m e Dcw Z wq jb c~evjx e vs Ki ZrKvjxb AwZwi³ e e vcbv cwipvjk (ez gv b e e vcbv cwipvjk) gvt Avãyj nvwjg PŠayix, Dc-e e vcbv cwipvjk kwddj Avjg Lvb PŠayix I Pxd wdb vwýqvj Awdmvi (wmgdi) mvc` Avn& g` GdwmG Abyôv b mfvcwzz K ib c~evjx e vsk wmwkdwiwur wjwg U Wi e e vcbv cwipvjk I cöavb wbe vnx Kg KZ v gwndwïb Avn g` Abyôv b wewb qvmkvixmy e³e iv Lb Ges mywpwš Z gzvgz cö`vb K ib wk kvim Äi KwUqv`x Z c~evjx e vsk wjwg UW Gi 430Zg kvlv m úªwz ïf D Øvab Kiv n q Q cöavb AwZw_ wn m e kvlvwu ïf D Øvab K ib c~evjx e vsk wjwg U Wi e e vcbv cwipvjk gvt Avãyj nvwjg PŠayix we kl AwZw_ wn m e Dcw Z wq jb e vs Ki Dc-e e vcbv cwipvjk kwddj Avjg Lvb PŠayix Abyôv b mfvcwzz K ib gqgbwmsn AÂj cöavb I Dc-gnve e vck gvt Rvwn`yi ingvb Abyôv b KwUqv`x Dc Rjvi wbe vnx Kg KZ v Dcw Z wq jb ev bk i kvlv, ivrkvnx AvaywbK e vswks mev cö`v bi cöz q wb q AbjvBb e vswks myweavmn ivrkvnxi ev bk i c~evjx e vsk wjwg UW Gi 432Zg kvlv m úªwz ïf D Øvab Kiv n q Q cöavb AwZw_ wn m e kvlvwu ïf D Øvab K ib c~evjx e vsk wjwg UW cwipvjbv cl `i cwipvjk Avng` kwd PŠayix M Ae Abvi wn m e Dcw Z wq jb c~evjx e vsk wjwg U Wi e e vcbv cwipvjk gvt Avãyj nvwjg PŠayix we kl AwZw_ wn m e Dcw Z wq jb e vs Ki Dc-e e vcbv cwipvjk kwddj Avjg Lvb PŠayix Abyôv b mfvcwzz K ib ivrkvnxi AÂj cöavb I Dc-gnve e vck mvb q` mvbdzj Bmjvg Abyôv b ev bk i evrvi e emvqx mwgwzi mfvcwz AvjnvR AvwRRyj evix gy³v, wewkó e emvqx mvjgvb Lyikx`, vbxq MY gvb e w³em Ges e emvqxmy Dcw Z wq jb 03

5 deª qvix 2015 t msl v 08 gvnbmä kvlv, bî Kvbv bî Kvbvi gvnbm Ä c~evjx e vsk wjwg UW Gi 431Zg kvlv m úªwz ïf D Øvab Kiv n q Q cöavb AwZw_ wn m e kvlvwu ïf D Øvab K ib wm ju wefv Mi wefvmxq Kwgkbvi mv¾v`yj nvmvb M Ae Abvi wn m e Dcw Z wq jb c~evjx e vsk wjwg U Wi e e vcbv cwipvjk gvt Avãyj nvwjg PŠayix we kl AwZw_ wn m e Dcw Z wq jb e vs Ki Dc-e e vcbv cwipvjk kwddj Avjg Lvb PŠayix, bî Kvbvi Rjv cökvmk Zi Y Kvwš wkk`vi Ges bî Kvbvi cywjk mycvi gvt RvwKi nv mb Lvb Abyôv b mfvcwzz K ib gqgbwmsn AÂj cöavb I Dc-gnve e vck gvt Rvwn`yi ingvb PzKbMi kvlv, Lyjbv DbœZ I AvaywbK MÖvnK mev cö`v bi j c~evjx e vsk wjwg U Wi XvKv K `ªxq AvÂwjK Kvh vjq m cöwz bzzb wvkvbvq vbvš wiz n q Q G Dcj Av qvwrz Abyôv b cöavb AwZw_ wn m e Dcw Z _ K Kvh vjqwui ïf Øv iv`nvub K ib c~evjx e vsk wjwg U Wi e e vcbv cwipvjk gvt Avãyj nvwjg PŠayix we kl AwZw_ wn m e Dcw Z wq jb e vs Ki Dc-e e vcbv cwipvjk kwddj Avjg Lvb PŠayix Abyôv b mfvcwzz K ib XvKv K `ªxq AÂj cöavb I Dc-gnve e vck gvgyb el&z cöavb AwZw_i e³ e gvt Avãyj nvwjg PŠayix e jb, evsjvi HwZn K aviy K i 1959 mvj _ K MÖvnK `i m e vëg e vswks mev cö`vb K i P j Q c~evjx e vsk wjwg U Wi XvKv K `ªxq AvÂwjK Kvh vjq vbvš wiz c~evjx e vsk MÖvnK mev e w i Rb Ges e vs Ki AvaywbK mev cšu Q w` Z c~evjx e vsk XvKv K `ªxq AvÂwjK Kvh vjq bzzb wvkvbvq vbvš i K i Q wzwb AvÂwjK Kvh vjqwui Aaxb kvlvmg~ ni cövz wnk Kvh µ gi mylg mgš^ qi gva g XvKv K `ªxq AÂ ji Kv Ri MwZ evov Z w`kwb ` kbv cö`vb K ib Ges e vs Ki e emv e w i Rb wzwb AÂj cöav bi cöwz AvnŸvb Rvbvb we kl AwZw_i e³ e kwddj Avjg Lvb PŠayix e jb, c~evjx e vsk wjwg UW AwZ `ª Z mg q m e vëg Ges AvaywbK e vswks mev cö`v bi Rb m vwbz MÖvnK `i wbku cöwzáve GiB avivevwnkzvq Ges MÖvnK `i Pvwn`v c~i Y c~evjx e vsk XvKvi K `ªxq AvÂwjK Kvh vjq bzzb wvkvbvq vbvš i K i Q Pubali Bank Limited, Share Price (September 2014 ~ February 2015) 29 AvaywbK e vswks mev cö`v bi cöz q wb q AbjvBb e vswks myweavmn Lyjbvi PzKbM i c~evjx e vsk wjwg UW Gi 428Zg kvlv m úªwz ïf D Øvab Kiv n q Q cöavb AwZw_ wn m e kvlvwu ïf D Øvab K ib c~evjx e vsk wjwg UW cwipvjbv cl `i cwipvjk Avng` kwd PŠayix M Ae Abvi wn m e Dcw Z wq jb c~evjx e vsk wjwg U Wi cöv³b e e vcbv cwipvjk I cöavb wbe vnx Kg KZ v njvj Avng` PŠayix we kl AwZw_ wn m e Dcw Z wq jb e vs Ki ZrKvjxb AwZwi³ e e vcbv cwipvjk (ez gv b e e vcbv cwipvjk) gvt Avãyj nvwjg PŠayix I Dc-e e vcbv cwipvjk kwddj Avjg Lvb PŠayix Abyôv b mfvcwzz K ib Lyjbvi AÂj cöavb I gnve e vck gvnv ` ûgvq~b Kwei Price (in Taka) Sep 30-Sep 30-Oct 30 Nov 30-Dec 29-Jan 26-Feb 04

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7 c~evjx e vsk wjwg UW-Gi Lyjbv AÂj Av qvwrz ÔÔK vk I FYcÖ veó welqk Kg kvjv Lyjbv AÂjvaxb `w Yvs ki 15 wu kvlvi e e vck, K vk I FY welqk Kg KZ v `i Dcw wz Z m cöwz c~evjx e vsk wjwg UW, Lyjbv kvlvq AbywôZ nq Abyôv b cöavb AwZw_ wnmv e Dcw Z wq jb evsjv `k e vsk, Lyjbv Awd mi Dc-gnve e vck (e vsk cwi`k b wefvm-1) Rbve Mvwe ` jvj MvBb GQvovI Ab vb `i g a Av jvpbv K ib Lyjbv kvlvi mnkvix gnve e vck Rbve gv: Iqvwn` mvgm&, biqvcvov kvlvi e e vck Rbve gv: kwdkzj Bmjvg I AvÂwjK Kvh vj qi wmwbqi Awdmvi Rbve gykzj P `ª `vk Abyôv b mfvcwzz K ib Lyjbv A ji gnve e vck I AÂj cöavb Rbve gvnv ` ûgvqyb Kwei Abyôv b QuovdvUv bv Ui wewbgq g~j cö`vb msµvš welqvejx, Avmj bv Ui ewkó I Rvj bvu Pbvi Dcvq, `ke vcx e vswks mevq GK cövš _ K Ab cöv š `ª Z I wbivc ` UvKv Av`vb cö`v bi j c~evjx e vsk wjwg UW Pvjy K i Q Ôc~evjx K vkõ c~evjx e vs Ki cöavb Kvh vj q cöavb AwZw_ wn m e Ôc~evjx K vkõ Kvh µ gi ïf D Øvab K ib e vs Ki cöv³b e e vcbv cwipvjk njvj Avng` PŠayix Abyôv b we kl AwZw_ wn m e Dcw Z wq jb e vs Ki ZrKvjxb AwZwi³ e e vcbv cwipvjk (ez gv b e e vcbv cwipvjk) gvt Avãyj nvwjg PŠayix I Dc-e e vcbv cwipvjk Lyjbvq ÔÔK vk I FYcÖ ve Ó welqk Kg kvjv e vswks BÝUª y g U (wwww, wuwu, c g U AW vi. AvBwewWG, AvBwewmG, GgAvBwmAvi PK) Bmÿ KiY Ges RvwjqvwZ cöwz iva, K vk wefv Mi Ae vb, wbivcëvg~jk e e v, m ve `~N Ubv iv a mzk Zvg~jK e e v, fë iwróvi, fë/ m di Pvwe i Yv e Y, mbd, UªvbwRU I KvD Uvi wjwgu i Y, Avgvb Zi i Z I ez gvb cª vc U MÖvnK mev, Awfbœ wnmve Lvjvi di g wewfbœ wnmve Lvjvi c wz, wewfbœ ikg wej e e vcbv, Kg KZ v `i A vcövbrvj dg mwvkfv e c~iy Kivi c wz, mwvkfv e FY cö ve Zwi Kivi c wz, cöf wz wel q w`b e vcx Av jvpbv nq kvlv e e vck `i mwnz bb-cvidwg s FY Av`v qi Dci Db y³ Av jvpbv Kiv nq Abyôv b e³vmy kvlv e e vck I Ab vb Kg KZ v `i ` Zv Ges Avš wikzvi mv _ ÔÔK vk I FY cö ve welqk e e vcbvó Kiv Ges wnmve Lvjvi mgq MÖvnK cwiwpz h_vh_ fv e MÖnY I cö qvrbxq `wjjvw` MªnY Ki Z Avnevb Rvbvb me mvavi Yi Rb Avf š ixy iwg UÝ Av`vb-cÖ`vb myweav Ôc~evjx K vkõ Pvjy Ki jv c~evjx e vsk wjwg UW kwddj Avjg Lvb PŠayix Abyôv b ^vmz e³e iv Lb c~evjx e vs Ki Pxd UKwbK vj Awdmvi I Z_ cöhyw³ wefv Mi gnve e vck gvnv ` Avjx Ôc~evjx K vkõ Gi gva g e vs Ki MÖvnK QvovI h Kvb evsjv `kx bvmwik c~evjx e vs Ki `ke vcx we Z Z kvlvmg~ ni gva g Avf š ixy iwg UÝ Av`vb-cÖ`vb (inland remittance system for the unbanked) myweav MÖnY Ki Z cvi eb B Uvi bu ms hvm Gici c ôv 7 Kjvg 3 deª qvix 2015 t msl v 08 AÂj I K c v iu kvlv cöavb `i cö_g m jb-2015 AbywôZ... 2q c ôvi ci e vs Ki ` I AwfÁ gvbem ú` K h_vh_fv e e env ii gva g e vs Ki e emv Dbœq bi civgk `b cwi k l 2015 mv ji e vs Ki wba vwiz j gvîv AR bi Rb wzwb mkj K mzzv, wbôv I ` Zvi mv _ KvR Kivi civgk `b mfvcwzi e³ e gvt Avãyj nvwjg PŠayix fv jv FY MÖnxZv wbe vpb K i bzzb FY cö`vb Ges e vs Ki e emv e w i Rb AÂj I K c v iu kvlv cöavb `i cöwz AvnŸvb Rvbvb Ljvcx FY, kªyxk Z Ges Ae jvcbk Z FY Av`v q m Pó n Z Ges bzybfv e Kvb FY hv Z Kvb Ae v ZB Ljvcx ev kªyxf~³ bv nq m w` K mkj AÂj cöavb K we kl bri`vwi I wbweo ZË veav bi Rb wzwb wb ` k cö`vb K ib wzwb evsjv `k e vsk I wbqš YKvix cöwzôv bi wbqg-bxwz g b Pjvi gva g e vswks cwipvjbvi Rb wb ` k cö`vb K ib e vswks bxwzgvjvi hb Kvb ai bi e Z q bv N U G w`kuvq we kl ` wó `qvi Rb wzwb AvnŸvb Rvbvb m j b 2015 mv j e vs Ki wba vwiz j gvîv AR bi wewfbœ KŠkj I w`k wb q Av jvpbv Kiv nq 06

8 c~evjx e vsk wjwg UW I International Money Express Gi g a iwg UÝ msµvš Pzw³ ^v wiz c~evjx e vsk wjt I gvj qwkqvi International Money Express (IME)(M) SDN BHD Gi g a B jkuªwbk dvû UªvÝdvi myweav m ^wjz iwg UÝ msµvš GKwU Pzw³ ^v wiz n q Q c~evjx e vsk wjt cöavb Kvh vj q GK Abyôv b Avš R vwzk wefv Mi wrgg gvt nvmvb Avjx Ges gvj qwkqvi IME(M) SDN BHD Gi dv fvbm cöwm W U I wrgg wewj _vg ms ns wbr wbr cöwzôv bi c Pzw³cÎ nš vš i K ib Gmgq c~evjx e vs Ki cöv³b e e vcbv cwipvjk njvj Avng` PŠayix, ZrKvjxb AwZwi³ e e vcbv cwipvjk (ez gv b e e vcbv cwipvjk) gvt Avãyj nvwjg PŠayix, Avš R vwzk wefv Mi Dc-gnve e vck gvnv ` kvnv`vr nv mb, gvj qwkqvi IME(M) SDN BHD Gi wer bm W fjc g U g v brvi d«vsk As cögyl Dcw Z wq jb GB Pzw³ ^v ii d j gvj qwkqv mn we k i Ab vb ` ki cöevmx evsjv `kxiv c~evjx e vs Ki gva g `ª Z I wbivc ` ` k iwg UÝ cvvv Z cvi eb Ges Gi d j e vswks P v b ji gva g iwg UÝ cöi Yi cwigvy e w cv e D³ Pzw³i gva g cöevmx KZ K evsjv ` k c~evjx e vs Ki gva g `ª Z UvKv cöi Yi bzzb Øvi Db y³ n q Q ` Zv e w, Kg ms vb I iwg UÝ gjvq c~evjx e vsk wjt Gi AskMÖnY deª qvix 2015 t msl v 08 me mvavi Yi Rb Avf š ixy iwg UÝ Av`vb-cÖ`vb myweav Ôc~evjx K vkõ Pvjy Ki jv c~evjx e vsk wjwg UW... 6g c ôvi ci Av Q Ggb h Kvb B jkuªwbk wwfvb mi ( gvevbj, wcwm, j vcuc, AvBc vw cöf wz) gva g GB mev MÖnY Kiv hv e cöv_wgk av c e vs Ki kvlvmg~ n UvKv Av`vb-cÖ`vb Kvh µg cwipvwjz n e, ciez x Z av c av c Zv Av iv we Z Z Kiv n e h Kvb evsjv `kx bvmwik ïaygvî Qwemn cwipqcî Ges e vsk KZ K cö`ë wcb KvW e envi K i UvKv cöiy I MÖnY Ki Z cvi eb Rbve njvj Avng` PŠayix e jb, wek vq bi GB hy M h_vh_fv e AvaywbK cöhyw³ e envi K i DbœZZi MÖvnK mev cö`v b c~evjx e vsk AMÖvwaKvi w` q _v K GiB avivevwnkzvq MÖvnK `i Pvwn`v Ges AvaywbK my hvm-myweav cö`v bi Ask wn m e c~evjx e vsk Ôc~evjx K vkõ Pvjy K i Q wzwb AviI e jb, GB mevi gva g ïaygvî c~evjx e vs Ki MÖvnK bq, h Kv bv evsjv `kx wbivc ` UvKv Av`vb cö`v bi gva g e vswks mevavivq hy³ n Z cvi e wzwb e jb, c~evjx K vk me mvavi Yi e vswks jb ` bi cöwµqv K mnrzi K i Zzj e D Øvabx Abyôv b cöavb Kvh vj qi gnve e vcke ` I DaŸ Zb wbe vnxe ` Dcw Z wq jb XvKv wek we` vj qi Awaf~³ M elyv cöwzôvb ivgi (Refugee and Migratory Movement Research Unit) `xn w`b hver Awfevmb wbivc` Kivi j ` ki Awfevmb cöey GjvKvq Awfevmx, Zv `i cwievi I vbxq Rb Mvwôi g a m PZbZv e w i Rb gjv mn wewfbœ Kvh µg cwipvjbv K i Avm Q ZviB avivevwnkzvq ivgi m cöwz Kzwgj v Rjvi `vd`kvw ` Dc Rjvi BwjqUMÄ D P we` vjq gv V ` Zv e w, Kg ms vb I iwg UÝ gjvi Av qvrb K i hlv b mikvix I emikvix wewfbœ e vsk AskMÖnY K i D³ gjvq c~evjx e vsk wjwg UW, Kzwgj v AvÂwjK Kvh vjq GKwU j vcb K i Kzwgj v AÂj cöavb I Dcgnve e vck Rbve wrqvdj nk PŠayix I AvÂwjK Kh vj qi 2 Rb Kg KZ v gjvq AskMÖnY K ib gjvq Kzwgj vi Rjv cökvmk, vbxq Awfevmx i v KwgwUi m`m e `, ` k cöz vmz Awfevmx, Awfevmx cwiev ii m`m, wiµzwus G RÝxi cöwzwbwa mn vbxq MY gvb e w³em Dcw Z wq jb Rbve wrqvdj nk PŠayix Kg ms vb m wó I iwg UÝ mev cö`v b c~evjx e vsk wjt Gi Kvh µ gi wewfbœ w`k wb q Av jvpbv K ib j wb qvwrz Kg KZ vmy w`be vcx AvMZ AwZw_ `i c~evjx e vs Ki wewfbœ mevi Z_ cö`vb K ib Ges mev Mªn Yi Rb mkj K webxzfv e Aby iva Rvbvb 07

9 deª qvix 2015 t msl v 08 K wzz c~evjx e vsk wjt, wcöwýcvj Awdm, PÆMÖvg Gi gnve e vck Rbve ˆmq` Avãyj gwr` Ges Zvi mnawg bx Rbvev gvngy`v emg Gi my hvm v R ôv Kb v ˆmq`v gvirvbv dvinv Institute of Chartered Accountants, Bangladesh (ICAB) Gi Aax b MZ g-ryb 2014 mk b ÔÔPvUvW G vkvd U UÓ wn me hvm Zv AR b K i Qb wzwb Rbve ivkby¾vgvb, Gd, wm, G (ACNABIN Chartered Accountants an Independent Member of Baken Tilly International, UK) Gi ZË veav b wzb ermi gqv`x wm.g. AvwU Kjkxc mgvcb K ib ˆmq`v gvirvbv dvinv B Zvc~ e XvKv wek we` vjq _ K Accounting Information System wel q 2008 mv j wr.wc.g 3.90 (out of scale 4.00) vi wb q Ges 2009 mv j wr.wc.g (out of scale 4.00) vi wb q cvk K ib wk v Î Zvi Amvgvb mdjzvq c~evjx cwievi Mwe Z Ges Zuvi fwel r Rxe b me v½xb mdjzv Kvgbv Ki Q 54 eqi eq m øvzk wwmöx jvf c~evjx e vsk wjt, cvu KjNvUv kvlvi Kg KZ v Rbve gvt bri j Bmjvg m cöwz 54 eqi eq m evsjv `k D y³ wek we` vjq _ K m vbrbk MÖW c q U mn øvzk (we. G.) cvm K i Qb Rbve bri j 1979 mv j GBP.Gm.wm. cvm K i 1980 mv j c~evjx evs K we.wm.g. c ` hvm`v bi gva g PvKzix Rxeb ïi K ib Ges ez gv b Awdmvi I WcywU g v brvi wnmv e cvu KjNvUv kvlvq Kg iz Av Qb e vs Ki e e vcbv KZ c Zvi mdjzvq m vbx wn m e 5000/- (cuvp nvrvi) UvKv cö`vb K i Q jlv covi cöwz A`g AvMÖn, ah I Aa vemv qi Rb wzwb mnkg x, eüz-evüe I ïfvbya vqx `i KvQ _ K AK wîg ï f Qv I Awfb `b c q Qb GBP.Gm.wm. cix vq mvdj c~evjx e vsk wjt ˆe `wkk evwyr kvlvi mnkvix gnve e vck nvm b Aviv emg Ges Rbve gvt evinvb DwÏb Gi cyî gvt elwzqvi nvmvb (euvab) 2014 mv j GBP.Gm.wm. cix vq wr.wc.g. 5 ( Mv ìb) c q Q m B Zvc~ e 2012 mv j Gm.Gm.wm. cix vqi wr.wc.g. 5 ( Mv ìb) c qwqj evuab c~evjx cwiev ii mevi Kv Q `vqvcöv_ x R Gm wm cix vq mvdj c~evjx e vsk wjt, gqgbwmsn AvÂwjK Kvh vj qi wmwbqi K vwkqvi Kvg K vk wg mm Zvmwjgv emg I e vs Ki cöv³b Kg KZ v giûg kvn Avãym meyi Gi Kb v mvgvš v mvwgnv ivbmv, cö Mwmf g Wj zj _ K R Gm wm cix vq AskMÖnY K i wrwcg Mv ìb 5 c q Q m mk ji wbku `vqvcöv_ x wc Gm wm cix vq mvdj c~evjx e vsk wjt, gqgbwmsn AvÂwjK Kvh vj qi wcöwýcvj Awdmvi (BwÄwbqvi) Rbvi gvt bri j Bmjvg divrx Ges ˆ`wbK evsjvi `c b Gi m úv`k wg mm BmivZ Rvnvb bvwn` Gi cyî gvt bvwddj Bmjvg divrx, ejvkcyi mikvix cöv_wgk we` vjq, gqgbwmsn _ K wc Gm wm cix vq wrwcg 5 c q Q m mk ji wbku `vqvcöv_ x ÔÔc~evjx gu MRÓ bv g bzzb Uvg jvb cöez b ` ki D`xqgvb A_ bxwzi mv _ µgea gvb RbmsL v e w, bmivqy Ges ga weë kªbxi Avevmb Pvwn`vi Dci j i L c~evjx e vsk wjwg U Wi FY wefvm m cöwz AvevwmK d vu µ qi wbwg Ë "c~evjx gu MR" bv g bzzb gqv`x FY xg Pvjy K i Q GB x gi AvIZvq Avw_ K m½wzc~y h Kv bv evsjv `kx/ cöevmx evsjv `kx bvmwik wmwu K cv ikb GjvKvaxb d vu µ qi Rb 1 KvwU UvKv A_ev d v Ui g~ j i m e v P 70% ch š ( hwu Kg) FY myweav cv eb 13.5% nvi my ` MÖvnKMY m e v P 15 eq ii Rb GB FY myweav fvm Ki Z cvi eb GLv b D j L d vuwu mkj Avbymvw½K myweavw` ( hgb- cvwb, we`y r cöf wz) mn iww Ae vq n vš i hvm n Z n e AvMÖnx e w³my c~evjx e vsk wjwg U Wi wbku h Kv bv kvlvq hvmv hvm Ki Z cv ib 08

10 c~evjx e vsk wjwg UW Gi XvKv K `ªxq, DËi I `w Y A ji kvlv cöavb `i cö_g m jb-2015 AbywôZ c~evjx e vsk wjwg UW Gi XvKv K `ªxq, XvKv DËi I XvKv `w Y A ji Aaxb kvlv cöavb `i cö_g m jb-2015 m úªwz AbywôZ n q Q wewfbœ w` b I wewfbœ v b AbywôZ m j b 2015 mv ji Rb e vs Ki wba vwiz j gvîv AR bi wewfbœ KŠkj I w`k wb q Av jvpbv Kiv nq cöwzwu Abyôv b cöavb AwZw_ wn m e Dcw Z wq jb c~evjx e vs Ki e e vcbv cwipvjk gvt Avãyj nvwjg PŠayix we kl AwZw_ wn m e Dcw Z wq jb e vs Ki Dc-e e vcbv cwipvjk kwddj Avjg Lvb PŠayix m j b mfvcwzz K ib ^ ^ AÂj cöavbmy m j b cöavb AwZw_ gvt Avãyj nvwjg PŠayix DbœZZi I AvaywbK e vswks mev cö`v bi gva g Avg`vbx-ißvbx e emv m cömvi Yi Rb AvnŸvb Rvbvb wzwb e jb, wek A_ bxwzi mv _ cvj v w` q evsjv ` ki A_ bxwzi e vwß Avi K jei e w cv Q e vswks LvZ GLv b g~l f~wgkv cvjb Ki Q wzwb e jb, cöwz hvwmzvg~jk e vswks Gi Î e vs Ki mkj K Avš wikfv e KvR Ki Z n e wzwb c~evjx e vs Ki ` I AwfÁ gvbem ú` K h_vh_fv e e env ii gva g e vs Ki e emv Dbœq bi civgk `b cwi k l 2015 mv ji Rb e vs Ki wba vwiz j gvîv AR bi Rb wzwb mkj K mzzv, wbôv I ` Zvi mv _ KvR Kivi civgk `b we kl AwZw_i e³ e kwddj Avjg Lvb PŠayix fv jv FY MÖnxZv wbe vpb K i bzzb FY cö`vb Ges e vs Ki e emv e w i Rb AÂj I K c v iu kvlv cöavb `i cöwz AvnŸvb Rvbvb Ljvcx FY, kªyxk Z Ges Ae jvcbk Z FY Av`v q m Pó n Z Ges bzybfv e Kvb FY hv Z Kvb Ae v ZB Ljvcx ev kªyxf~³ bv nq m w` K mkj AÂj cöavb K we kl bri`vwi I wbweo ZË veav bi Rb wzwb wb ` k cö`vb K ib wzwb evsjv `k e vsk I wbqš YKvix cöwzôv bi wbqg-bxwz g b Pjvi gva g e vswks cwipvjbvi Rb wb ` k cö`vb K ib e vswks bxwzgvjvi hb Kvb ai bi e Z q bv N U G w`kuvq we kl ` wó `qvi Rb wzwb AvnŸvb Rvbvb c~evjx e vsk wjt Gi XvKv K `ªxq A ji Aaxb kvlv cöavb `i cö_g m jb-2015 m úªwz ivravbxi GKwU nv U j AbywôZ nq m j b cöavb AwZw_ wn m e Dcw Z wq jb e vs Ki e e vcbv cwipvjk gvt Avãyj nvwjg PŠayix we kl AwZw_ wn m e Dcw Z wq jb Dc-e e vcbv cwipvjk kwddj Avjg Lvb PŠayix m j b mfvcwzz K ib AÂj cöavb I Dc-gnve e vck mvb q` mvbdzj Bmjvg c~evjx e vsk wjt Gi XvKv DËi A ji Aaxb kvlv e e vck `i cö_g m j b cöavb AwZw_ wn m e Dcw Z wq jb e e vcbv cwipvjk gvt Avãyj nvwjg PŠayix we kl AwZw_ wn m e Dcw Z wq jb Dc-e e vcbv cwipvjk kwddj Avjg Lvb PŠayix m j b mfvcwzz K ib AÂj cöavb I gnve e vck `Iqvb Rvwgj gvmỳ G mgq gnvlvjx K c v iu kvlv cöavb I gnve e vck we Gg knx`yj nk Dcw Z wq jb c~evjx e vsk wjt Gi XvKv `w Y A ji Aaxb kvlv e e vck `i cö_g m j b cöavb AwZw_ wn m e Dcw Z wq jb e e vcbv cwipvjk gvt Avãyj nvwjg PŠayix we kl AwZw_ wn m e Dcw Z wq jb Dc-e e vcbv cwipvjk kwddj Avjg Lvb PŠayix m j b mfvcwzz K ib AÂj cöavb I gnve e vck gvt wmivryj Bmjvg wgqv G mgq gnve e vck Gg kvn biqvr PŠayix Dcw Z wq jb deª qvix 2015 t msl v 08 Avw_ K Aš f ~w³ Kvh µ gi AvIZvq 10 UvKvi wnmveavix `i gv S cökv k FY weziy... 10g c ôvi ci Ggb w`b Avm Q F Yi Rb K lk K e vs Ki Kv Q hviqv jvm e bv eis e vsk hv e K l Ki Kv Q we kl AwZw_ e jb, dzj Pvlxiv evsjv ` ki A_ bxwz Z D j L hvm f~wgkv ivl Q dzj we ` k ißvwb n Q Ges G ` ki Pvlx `i _ K aviyv wb q we ` k dzj Pvl n Q wzwb e jb, Avgv `i UvKvi Afve bb eis Afve Av Q D ` vm I gvbwmkzvi Ab vb e³vmy e jb, evsjv `k K wl cöavb `k G ` ki z`ª, cövwš K, f~wgnxb K lk, cövk wzk `y h v M wzmö wbgœ Av qi ckvrxex gvbyl K e vsk F Yi AvIZvq Avb j K wli Dbœqb n e cyi li cvkvcvwk bvix `i KI K wl Kv R GwM q Avmvi Avnevb Rvbv bv nq ` ki A bk GbwRI Pov gybvdv nv i FY w` q _v K e vsk hw` mnr k Z I A c vk Z Kg gybvdv nv i FY mev `q Zvn j K lkiv jvfevb n eb 09

11 deª qvix 2015 t msl v 08 c~evjx e vsk wjwg UW Ges Oracle I Avgiv UK bvjwr wjwg UW Gi g a KvwU UvKvi Pzw³ ^v wiz c~evjx e vsk wjwg UW Ges Oracle I Avgiv UK bvjwr wjwg UW Gi g a KvwU UvKvi GKwU Pzw³ m úªwz e vs Ki cöavb Kvh vj q ^v wiz n q Q c~evjx e vs Ki c Z_ cöhyw³ wefv Mi gnve e vck I Pxd UKwbK vj Awdmvi gvnv ` Avjx Ges Avgiv UK bvjwr wjwg UW (IivKj K c v ikb Gi c vwubvg cvu bvi) Gi c e e vcbv cwipvjk mq` dinv` Avn g` Pzw³ Z ^v i K ib AeKvVv gv Dbœq b e vswks m± i GwU GKwU Ab Zg e nr wewb qvm Pzw³ GB Pzw³i d j c~evjx e vs Ki m vwbz MÖvnKe ` wbf i hvm, wek Ges `ª ZMwZi mev jvf Ki eb m cöwz c~evjx e vsk wjt AvÂwjK Kvh vjq gšjfxevrvi Gi D ` v M gšjfxevrvi I nwemä Rjvi gvu 34wU kvlvi mkj kvlv cöavb I cö Z K kvlvi 2 Rb K i Kg KZ v Ges AvÂwjK Kvh vj qi mkj Kg KZ v K wb q nwem Äi Avwgi Pvub Kg c -G Ògvwb jûvwis cöwz iva, AvBwmwm, d ib iwgu vý Ges ˆbwZK e vswksó kxl K GK w`be vcx Kg kvjv AbywôZ nq G Z mfvcwzz K ib c~evjx e vsk wjt gšjfxevrvi A ji Pzw³ ^v i Abyôv b cöavb AwZw_ wn m e Dcw Z wq jb c~evjx e vsk wjwg U Wi cöv³b e e vcbv cwipvjk njvj Avng` PŠayix we kl AwZw_ wn m e Dcw Z wq jb ZrKvjxb AwZwi³ e e vcbv cwipvjk (ez gv b e e vcbv cwipvjk) gvt Avãyj nvwjg PŠayix I Dc-e e vcbv cwipvjk kwddj Avjg Lvb PŠayix Ges Oracle Gi c Dcw Z wq jb Kvw Uª wjw, UK bvjwr wer bm AwgZ köxev e cöavb AwZw_ Zvi e³ e e jb, c~evjx e vsk wjwg UW wbr ^ gvbe m ú` KZ K D vwez Software e envi K i Gici c ôv 5 Kjvg 3 gšjfxevrvi AvÂwjK Kvh vj qi D ` v M Ògvwb jûvwis cöwz iva, AvBwmwm, d ib iwgu vý Ges bwzk e vswksó kxl K Kg kvjv AbywôZ Dcgnve e vck I AÂj cöavb Rbve Avn&g` Gbv qz gbryi cöavb AwZw_ wn m e Dcw Z wq jb c~evjx e vsk wjt wcöwýcvj Awdm wm ju Gi gnve e vck Rbve Avey nvwee Lvqi j Kwei UvDb gmwr` ivw kvlvi kvlv cöavb Rbve gvt Avãyj Iqv n` Gi Dc vcbvq AbywôZ G Kg kvjvq wi mvm cvm b wn m e wewfbœ wel q e³e iv Lb cöavb Kvh vj qi AvBwmwm wefv Mi wefvm cöavb I Dcgnve e vck Rbve Gici c ôv 5 Kjvg 1 Avw_ K Aš f ~w³ Kvh µ gi AvIZvq 10 UvKvi wnmveavix `i gv S cökv k FY weziy Avw_ K Aš f ~w³ Kvh µ gi AvIZvq c~evjx e vsk wjwg UW-Gi D ` v M 10 UvKvi wnmveavix `i gv S FY weziy m cöwz e vs Ki Lyjbv AvÂwjK Kvh vj q AbywôZ nq Abyôv b cöavb AwZw_ wn m e e³e iv Lb evsjv `k e vsk Lyjbvi wbe vnx cwipvjk gnvt bvwrgywïb we kl AwZw_ wn m e e³e iv Lb evsjv `k e vsk Lyjbvi Dc-gnve e vck gvt AvgRv` nv mb Lvb c~evjx e vs Ki gnve e vck I Lyjbvi AÂj cöavb gvnv ` ûgvq~b Kwei-Gi mfvcwz Z Abyôv b Ab vb `i g a e³e iv Lb evsjv `k dzj mwgwz Ges M`Lvwj dzjpvlx I dzj e emvqx Kj vy mwgwzi mfvcwz Avãyi iwng, bvix D ` v³v I dzj Pvlx bvqwib bvnvi, c~evjx e vsk bvfvib evrvi kvlvi e e vck D¾j nv mb cög~l Abyôv b bvfvib A ji 7 Rb wbgœ Av qi dzj Pvlx `i gv S mnr k Z I Kg gybvdv nv i me gvu 3.50 jvl UvKvi K wl FY weziy Kiv nq cöavb AwZw_ Zvi e³ Zvq e jb, Pvlxiv ` ki cövy Zv `i AK vš cwikª gi wewbg q `k AvR Lv ` ^qs m ú~y Zv AR b K i Q wzwb e jb, dzj n jv cweî wrwbm dzj Pvlx `i gbi cweî Ges Zv `i Kv Ri AvMÖn I gvbwmkzv Av Q wkš Avw_ K ^ QjZv bb Zv `i K mnr k Z FY w` j Zviv DcK Z n eb wzwb Dcw Z dzj Pvlx `i D Ï k e jb, gvby li KóvwR Z AvgvbZ _ K e vsk FY w` q _v K Gi mwvk e envi K i e vsk FY cwi kva Ki Z n e Ab vb Pvlx `i K mnr k Z e vsk FY myweav bqvi Rb DrmvwnZ Kivi Aby iva Rvbvb wzwb e jb, evsjv `k e vs Ki w`k wb ` kbv Abyhvqx c~evjx e vsk K wl FY wezi Y GwM q G m Q Gici c ôv 9 Kjvg 3 10

12 M elyv I Dbœqb wefvm, c~evjx e vsk wjwg UW, cöavb Kvh vjq, 26 w`jkzkv evwywr K GjvKv, XvKv KZ K cökvwkz Uwj dvb : , G -295, 1102 B- gbj : I qe : GwW Uvwiqvj c v bj gvnv ` Avjx gnve e vck I Pxd UKwbK vj Awdmvi bxwzk Kzgvi ivq Dc-gnve e vck gvt Avkivdzj Bmjvg wmwbqi Awdmvi my`xc Kzgvi ` wmwbqi Awdmvi gvt gvb`yj nk Awdmvi gvt ivrxe Bmjvg Awdmvi kwdkzj Bmjvg Rywbqi Awdmvi