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12 ågy MRbx AeKvk K `ªi wewfbœ `k bxq vb kx ZKvj G jb Kv_v _ K hb Avgvi gv_vq NvivNywii fyz Pv c KL bv GKv, KL bv `j eu a NvivNywi K i gv_v _ K ZLb fyz bvgv Z nq kx Zi GK ïµevi mkv j iv Ív w` q Pj Z Pj Z `Lv hvq Mvwo Z gvbk jvwm q ˆn ˆP Ki Z Ki Z QzU Q Mvwo, mvg b e vbvi-po BfvwZ; h bv Kv_vI Zv `i nvwi q hvevi bb gvbv GiKg ` k `L j ågywccvmy h Kv iv gbuv AvbPvb K i DV e Avi dmey Ki wbdr wdw Gmgq f i D V eüy-evüe, KwjM `i eb fvr bi iwob Qwe w` q eüy `i wb q cövqb ` ki Avbv P-Kvbv P wewfbœ RvqMvq Nyi Z M ji Awd mi KwjM `i wb q m AwfÁZvUv n q I Vwb KviY, evsjv `k e vsk, gqgbwmsn Awdm cöwzôvi Pvi eqi AwZµg n ji bvbv Kvi Y Awd mi mevb K wb q eb fvrb Kivi evsjv `k e vsk cwiµgv - 12 Gm. Gg. gbmyi g~mv Pviw` K mey Ri mvwi Avi Rj ewóz KvuP Niv QvÆ Ni, hb GKUv ØxcivR my hvmuv nqwb Gevi Awdm n Z eb fvr bi K_v DV j mevi g a mvrmvr ie `Lv Mj mevb hb ` p cöwzá-gevi h K ib nvk eb fvrb Avgv `i Ki ZB n e m D Ïk K mvg b i L mevi civgk µ g MVb Kiv n jv eb fvrb Av qvr bi Rb GKwU w qvwis KwgwU evwk mevb wbr wbr Ae vb _ K me vz K mn hvwmzv Kivi cöwzköæwz w` jb cö_ gb eb fvr bi vb wbe vp b mk ji gzvgz bevi Rb mkj Kg KZ v `i Ackb KvW cö`vb Kiv n jv m jv hvpvb-evqvb k l eb fvr bi Rb cvk ez x Rjv kicy ii AšÍM Z wsbvbmvwz Dc Rjvi MRbx AeKvk K `ª KB kl ch ší evqvb Kiv n jv 20 Rvbyqvwi 2017 Z eb fvrb Av qvrb K mvg b i L ïiæ n jv Kg há Ae k l Gj mb eû cözxw Z w`b evsjv `k e vsk, gqgbwmsn Awd mi `ym vevwo iv Wi Awd mi mvg b 20 Rvbyqvwi mkvj AvUUvq ewy j mv R mw¾z n q eb fvr b AskMÖnYKvix mkj Kg KZ v-kg Pvix Dcw Z n jb mevi Pv L gy L Avb ` Avi mvivw` bi A vw fâv ii wswjk A b KB hv Qb cwievi-cwirb wb q ev mi mvg b mjwd Avi d Uvce kl K i mv o AvUUvq Avgiv hvîv ïiæ Kijvg mkv ji R úk bv Ívi ci ev m h Z h Z Pjj Mvb, KŠZzK, bvp, Qov, ^iwpz KweZv, auvav Avi Avbwjwg UW AvÇv GQvov, gvb K evr Q nvj Avg ji Ges cy iv bv w` bi RbwcÖq me Mvb GiB gv S Pjj i vdj Wª qi Kzcb wewµ RwW Av bvqviæj nk m vi Ges GwW myrb emv Ki KŠZzK, wwww gvt Bgvg nvmv bi ^iwpz KweZv Avi wm gm& A vbvwj RvbœvZzj g vwv gi Mvb gy» Kij Avgv `i wwww werb m v ii auvavi Rv j AvU K M jb A b KB eb fvr bi QvÆ AwZw_ Avqvb, Aviva, Avcb, Rvwnb, AjK Gi `yóz-wgwó K_v Avgv `i Avb `Uv K evwo q w`j kz Y Avi GiB mv _ nj Z `yj Z Mvwo Pjj MšÍ e i w` K Ae k l ejv GMv ivuvq Avgiv Avgv `i MšÍe MRbx AeKvk K `ª cušqjvg Av M _ KB eywks `qv AeKvk K `ªi i nvd Ri Pv gjx Avi kdvjx iæg `yõwu Z wkqz Y wekövg bqvi ci mevb ` j ` j ewo q cojvg úu cwi`k b, cök wzi mv _ wg k h Z gyl jv ` LB eysv hvq-mk ji g a B Avmbœ GKUv A vw fâvivm w` bi D ËRbv cövk wzk mš `h gwðz Ac~e jxjvf wg kicyi Rjvi mxgvšíez x Dc Rjv wsbvbmvwzi HwZn evnx GwcÖj 2017

13 ågy MRbx Z Avo ^ic~y bšhvbi wqj `viæy Dc fvm Mv iv cvnv oi cv` ` k fvi Zi gnvjq iv R i mxgvší Nu l MRbx AeKvk K `ªi Ae vb vbxq jvk `i mv _ K_v e j Rvbv Mj-1993 mv j cöwzôvi ci _ K w`b K w`b Gi iƒc-ˆewpî evo Q ˆe Kg Q bv Gi cögvy Avgiv wkqz Yi gv SB cjvg AeKvk K `ªi wewfbœ ú U bv `wbk KviæKvh I ˆkwíKZvi ú k wbwg Z eb nvwz, WvB bvmi, wrivd, nwiy, i qj e½j UvBMvi, gyw³hy i wz mša, grm Kzgvix, RvZxq Kwe KvRx briæj Bmjv gi cöwzk wz, ` wób `b cùwkwi, Mv iv gv wf jr, gvwui wb P myo½c _ cvzvjcyix Z ågy Kivi iv Ív-cÖwZwU welqb wqj Avgv `i Rb Ab ikg GK AwfÁZv cvnv oi Xv j, Mv q A_ev cvnvo P ovq mvwi mvwi kvj, m b, gûqv, MRvwi, AvKvkgwb, BDK vwjcuvm, wgjwrqvgmn Av iv bvg bv Rvbv KZ kz cvnvwo MvQ, ebdzj I QvqvXvKv web vm hb wekvj K vbfv m mywbcyy wkíxi io-zzwji AuvPo hv mwz Kvi A _ B Avgv `i gb K `vjv w` q Mj gvwu _ K 165 dzu D PZvwewkó IqvP UvIqv i DV jb evsjv `k I fvi Zi gnvjq cö ` ki ce Zgvjv Avi meyr Nv m we Í Z mvwi mvwi cvnvwo wujv Avgv `i ` wómyl evwo q w` q Q IqvP& UvIqvi _ K b g Avgiv Mjvg PzKzjywc wpj Wªb cv K mlv b ûb mj w` q Qy U Pjv Uªb ev Pv `i Kji e hb gylwiz n q DVj KÕRb Avevi AeKvk K `ªi cv k M o DVv cövk wzk j K cv wfrvj, AwZ Drmvnx K qkrb Avevi mlv bb Mvmj ce kl Kij, Avgiv KÕRb cvovi Q j `i mv _ j Ki cv ki Kv`vgvwU Z gvq aijvg mevi Pv Lgy Li Djøvm ` L g b nw Qj, BU-cv_ ii hvwš K Rxeb _ K eûkvj ci hb wkqz gvbyl Avevi bzzb K i Kv`vgvwU Z gvlvgvwl K i MÖvgxY Rxe bi mva cj ch U Ki ` wó AvKl Y K i `k bxq fv h MRbxi cy ivuvb mey R Niv `ycy ii R úk GKUv LvIqv kl K i ejv wzbuvq emj grvi me M gi Avmi cö_g c e wqj cv v ii Qwe Z PvL eü K i wuc cov bv, h PvL eü Ae vq mwvk RvqMvq wuc cov Z cvi e mb n e cö_g Avnv, wuc cov Z wm q G KKR bi m Kx Ae v! KD wuc cov Qb gv_vq, KDev Kv b, KD cov Qb Mjvq, Avevi KDev fzj c _ nu U P j hv Qb e bi w` K! Pvwiw` K ïay nvwmi evb mevb K AevK K i w` q G Ljvq cö_g n jb Avgv `i kö q RwW AvwRR m vi Gici Pjj ev U ej wb c, UzKwjdvBwqs, gwnjv `i evwjk Ljv Avi wµ KU g vp cö Z KUv ce B wqj D ËRbv Avi Avb ` Vvmv me k l i vdj Wª qi cvjv i vdj Wª Z e Q bqv n jv miv 15 fvm evb werqx K mg Í B f Ui c i werqx `i nv Z kvfv cvw Qj n ik ik gi wmdu e, Avi Zv `i gy L wqj ivr R qi PIov nvwm GZme Av qvr bi g a KLb h mü v Nwb q Gj Kv iv LqvjB wqj bv gvmwi ei AvRv bi aÿwb Avgv `i Rvbvb w`j N i divi mgq n q Q Av ik`dv nvjkv bv Ív k l mewkqz wq q mevb evwo divi cö wz wbjvg ev m D V `Lv Mj mevi gv S Kgb hb GKUv gbgiv fve, hb Av iv wkqz Y mevb GLv b _vk Z Pvq, hb cök wzi GB jxjvf~wgi mš ` h i meuv D`&NvUb Ki Z Pvq Zv Zv Avi m e bq, Rxe bi mvdj Avi mg w i iv ÍvUv K Av iv mg Ki Z mevb K Avevi wd i h Z n e BU-cv_ ii LuvPvq, kko n Z eû`~ i kicyi K cq b d j evm Avevi Qz U Pjj gqgbwms ni c _ mk jb ZLb K vší, wkš mevi Pv LB Z wßi wswjk jlk : GwW, gqgbwmsn Awdm, GwcÖj 2017 evsjv `k e vsk cwiµgv - 13

14 wbeü e vs Ki cwipvjb SuywK-g~j vqb I Z`viwK Z `ye jzv Ges wkqz mycvwik gvt Rwni nv mb (wmbavigg) e v mj KwgwU Ab e vswks mycviwfkb (wewmwegm) KZ K Kv bv e vsk ev Avw_ K cöwzôv bi Af šíixy cöwµqv, Rbej I mvgwmök Kvh c wzi `ye jzv A_ev e _ Zv A_ev cöwzôvb ewnf ~Z NUbvejxi Kvi Y m ó jvkmv bi m vebv K cwipvjb SuywK (operational risk) bv g msávwqz Kiv n q Q G msávq AvBwb SuywK K we epbvq bqv n ji KŠkjMZ `ye jzv Ges mybvg n«v mi Kvi Y m ó SuywKmg~n AšÍf y³ Kiv nqwb e vs Ki mkj ai bi cy, mev, Kvh vejx, cöwµqv Ges Kvh c wzi g a cwipvjb SuywK wbwnz i q Q GKvi YB Acivci SuywK e e vcbvmn cwipvjb SyuwK e e vcbv ev Íevq bi welqwu AMÖMY cwipvjb SuywK e e vcbv cöwµqvq wzbwu myiÿv Íi Kvh Ki Kivi wel q iæz v ivc Kiv n q Q wzbwu myiÿv Íi n jv t (K) Kvh wfwëk mij iwlk e e vcbv, (L) GKwU ^vaxb SuywK e e vcbv BDwbU/wefv Mi Dcw wz Ges (M) Af šíixy wbixÿv e vs Ki cök wz, AvKvi, wewfbœ cy / mevi YMZ RwUjZv Ges G mswkøó SzuwKi gvîv we epbvq wb q D³ wzbwu myiÿv Íi K web Í Ki Z n e wewfbœ e vsk/avw_ K cöwzôv bi cy / mev, Kvh vejx, cwipvjb cöwµqv I Kvh c wzi AšÍM Z SzuwK kbv³kiy I Zvi gvîv wbiƒcy, h_vh_ ch eÿy I wi cvwu s, wbqš Y I cökgb, e emvwqk w wz vckzv I avivevwnkzv Ges G msµvší ^ Q wi cvwu s msµvší welqvw` AšÍf y³ K i myôy cwipvjb SuywK e e vcbv M o Zvjvi wekí bb Kvh Z kw³kvjx cwipvjb SuywK e e vcbvi ms wz M o Zvjvi wbwg Ë e vs Ki cwipvjbv cl `B gyl f wgkv cvjb K i Ges EaŸ Zb e e vcbv KZ cÿ KZ K H e vs Ki Rb cwipvjb SzuwKmn GKwU mgwš^z SuywK e e vcbv KvVv gvi web vm, wekvk I Zvi h_vh_ ev Íevqb wbwðz Kiv nq e vskmg~n cöewz Z cy / mev, Kvh vejx, cwipvjb cöwµqv Ges Kvh c wz mswkøó cwipvjb SuywK kbv³ I g~j vqb Kivi `vq-`vwqz e e vcbv KZ c ÿi Dci ez vq Ges e e vcbv KZ cÿ KB Gme ÿ Î Awafy³ SuywK Ges DÏxcKmg~ ni h_v_ Zv K nvìvi KZ K evamg niqvi welqwu wbwðz Ki Z nq cwipvjb SuywK e e vcbv bxwzgvjvi AbyeZ xµ g e e vcbv KZ cÿ KZ K mkj ai bi bzzb cy / mev, Kvh vejx, cöwµqv Ges Kvh c wz Aby gv`b Kiv nq e vsk e e vcbv KZ K cwipvjb SuywKi gvîv wbqwgz ch eÿy Kiv Ges G ÿ Î D Z m ve jvkmv bi cwigvy wby qc~e K cl `, R ô e e vcbv I Ab vb mij iwlk e e vcbvi mgš^ q h_vh_ wi cvwu s e e v M o Zvjv nq mvaviy Ges cwiez bkxj evrvi cwiw wz Z Kvh Ki wi cvwu s c wz Pvjy Kivi c~e kz B n jv wba vwiz mg qi g a mswkøó K nvìvi `i wbku ^ Q I MÖnY hvm wi cvwu s wbwðz Kiv Kvh Ki cwipvjb bxwz, cöwµqv I mvgwmök Kvh c wz, Af šíixy wbqš Y Ges h_vh_ SuywK wbimb I cwiez bkxj wewfbœ KŠkj cö qv Mi gva g e vskmg~ n kw³kvjx wbqš Yg~jK cwi ek wbwðz Ki Z n e ZvQvov, Kg KZ v `i g a `vq-`vwq Z i h_vh_ wefvrb Ges ˆØZ wbqš Y Kvh Kix Kivi Rb I GKwU Kvh Ki wbqš Yg~jK cwi ek m wó Ki Z nq `vq `vwq Z i wefvrb I ˆØZ wbqš Yi cvkvcvwk cwipvjb SuywK gvkv ejvi Rb e vskmg~n K cö_vwm Ab vb Af šíixy wbqš Y e e v Kvh Ki ivlvi welqwui wbwðz Ki Z n e G mg Í wbqš Y e e vi D`vniY n jv- (K) (L) (M) (N) (O) (P) Aby gv` bi Rb mȳ úó Aby gv`bkvix KZ cÿ Ges ev Íem Z Aby gv`b cöwµqv _vk Z n e SuywKi gvîv ev cövwšík gvb g b Pjvi Rb wbweo ZË veavb Kvh µg Pvjy Ki Z n e e vs Ki m ú` I bw_ Z AbycÖ ek Ges Zvi h_vh_ e envi wbwðz Kivi Rb mmsµvší myiÿv Íimn GKwU bxwzgvjv _vk Z n e h_vh_ gvbem ú` Ges ckvmz `ÿzv e w i Rb cöwkÿy c wz Pvjy Ki Z n e Kg KZ v I Kg Pvix `i Rb cici `yõmßvn eva Zvg~jK QzwU Z _vkvi welqwu wbwðz Kivi Rb QywU msµvší ^ Q bxwzgvjv cöyq bi cvkvcvwk Zv ev Íevq bi Rb h_vh_ c` ÿc MÖnY Ki Z n e e vskmg~n K e emvwqk w wz vckzv I avivevwnkzv welqk cwikíbv cöyq bi cvkvcvwk ˆ`bw `b wfwë Z Zvi h_vh_ ev Íevq bi welqwu wbwðz Kivi Rb mg K `ÿzv AR b Ki Z n e hv Z m ve evsjv `k e vsk cwiµgv - 14 GwcÖj 2017

15 wbeü Avw_ K wech qi mgq h_vh_ ÿwzi gvîv wbiƒcyc~e K Zv KvwU q IVv Ges `ªæZ ^vfvwek cwiw wz Z cöz vez b Kiv mnrzi nq Dc iv³ Av jvpbvmg~n AwaKvsk ÿ ÎB GKwU kw³kvjx cwipvjb SuywK e e vcbvi c wz/abymiyxq wb ` kbv mswkøó Ges m mswkøó evsjv `k e vs Ki SuywK e e vcbv welqk wb ` kbvmg~ ni Av jv K evsjv ` k Kvh iz e vskmg~n e vswks m± i GKwU cwicvjb ms wz M o Zzj Q ez gv b KwZcq e vs Ki EaŸ Zb ch vq _ K wb œ ch v qi Kg KZ vmy Ges Zv `i cwipvjbv cl ` B QvK Zfv e weziyk Z FYmg~n Ljvwc niqv m Ë I Zvi Ae v fv jv `Lv bvi Rb wewfbœ mg q QjPvZzwii AvkÖq wb Q Ges mdjfv e Zv `i FY SzuwK e e vcbv K kw³kvjx gv b DbœxZ Ki Z mÿg n q Q Gi d j b~ bzg g~jab msiÿ Yi ÿ Î e vskmg~n KZ K wby xz SuywKwfwËK m ú `i Dci A cÿvk Z Kg SuywKfi Av ivc Kiv n Q G ai bi A bwzk PP vi gva g cök Z g~ja bi gvîv n Z wb œgvîvi g~jab msiÿy Kivq Zv AcÖZ vwkz ÿwz wbim bi Rb ch vß bq AvcvZZ G ai bi ˆewPÎ KiY/ vbvšíikiy cöwµqv FY SuywKi g a AšÍf y³ Kiv n ji MÖvn Ki FY cwi kv ai ÿgzv ev FY cwi kva Kivi m wzi mv _ mivmwi m ú ³Zv bv _vkvq Zv FY SuywKi Ask bq G Kvh µg FY cö Íve g~j vqb, FY gäywi Ges wezi Yi mv _ RwoZ e w³, cwipvjb cöwµqv Ges Kvh c wz (cwipvjb `ye jzv) Ges Zv _ K m ó jvkmv bi (A_ vr Kvh µgrwbz `ye jzvi Kvi Y m ó SuywK) mv _ m úwk Z DwjøwLZ me jv ÿîb Kvh Z cwipvjb SuywK msµvší G ai bi cwipvjb SuywK wby q I wbqš Y e _ Zvi Kvi Y m ó m ve AšÍwb wnz jvkmvbmg~n ciez x Z e vswks m± ii Rb D Ø Mi KviY n Z cv i AZGe, m e vëg cš v n Q G `ye j Ae v _ K DËi Yi Rb mve ÿwyk ZË veavb Kvh µg K kw³kvjxkiy Ges e vswks m± i cwipvjb SuywK n«v mi Rb Riæwi wfwë Z eyw `xß wkqz SyuwKwfwËK wbqš Y e e v Pvjy Kiv h Z cv i h mg Í Kvi Y ez gv b e vswks m± i cwipvjb SuywKi gvîv e w cv Q, m jv n jv - 1) gäywik Z mxgv AwZµg K i FY weziy, 2) Avw_ K Ae v msµvší weeiyxi djvdj we epbvq bv wb qb FY weziy, 3) Abby gvw`zfv e mỳ gikzd, 4) Aw ÍZ wenxb FY, 5) ^v_ mswkøó cöwzôv bi bv g FY vbvšíi, 6) vbxq Gjwmi wecix Z GjwUAvi m wó, 7) Aw ÍZ wenxb cöwzôv bi bv g FY cö`vb, 8) A_ ms vbkvix wej, 9) e emvwqk Kvh µ gi Dci fzqv weeiyx cö`k bi wecix Z FY Aby gv`b, 10) FY Av e` b ewy Z FY e env ii mv _ weziyk Z F Yi e envi m½wzc~y bq, 11) MÖvn Ki bxu m½wzi fzj weeiyx cö`vb, 12) Rvwgb`vZv h F Yi Rb Rvwgb w` Q, m m ú K Rvwgb`vZv K AewnZ Kiv nqwb A_ vr fzqv Rvwgb`vZv `wl q FY Aby gv`b, 13) FY weziykvix Kg KZ v KZ K cökí cwi`k b bv K i FY Aby gv`b, 14) cökí cwi`k b Awbqgmg~n D NvwUZ nqwb, 15) eüwk msµvší `wjjvw`i Ach vßzv A_ vr B QvK Zfv e `vwlj Kiv nqwb A_ev jywk q djv n q Q, 16) wmavbwe wi cvu bwzevpk niqvi cii FY weziy, 17) gqv `vëxy wkw Í _vkvi cii FY Aby gv`b, 18) Avw_ K weeiyxi AwZg~j vq bi wecix Z F Yi Aby gv`b I weziy, 19) kvlvi wbqš Y ewnf ~Z GjvKvq FY weziy, 20) MÖvn Ki bkj ^vÿi (Av`vj Zi gva g ev Íevqb hvm bq), 21) MÖvn Ki wvkvbvi Aw ÍZ bb, 22) FY wezi Yi mv _ ewy Z bm` cöevn weeiyx m½wzc~y bq, 23) F Yi gäywic Î DwjøwLZ me wb œ RvgvbZ msiÿy Kiv nqwb, 24) wmavbwe Z FY wnmvemg~n wi cvu Kiv nqwb, 25) gqv `vëxy wkw Í cwi kv ai Rb h_vh_ e e v MÖnY Kiv nq bv, 26) MÖvn Ki dvb j iwÿz wvkvbv nvjbvmv` Kiv nq bv, 27) F Yi Ae v hvpvb Kivi Rb FY weziy ciez x cwi`k b wbqwgzfv e Kiv nq bv G mg Í Awbq gi gva g FY SuywK me wb œ ch v q cö`k b Kiv n ji G ÿ Î cwipvjb SuywK myd P gvîvq Ae vb Ki Q hv MÖnY hvm gvîvq bvwg q Avb Z n e ez gv b e vskmg~ ni AvBwU wm g (AbjvBb wm g) n vk K i wewfbœ wnmve _ K A_ AvZ mvr Kiv n Q ev Lvqv hv Q hv cwipvjb SuywKi AvIZvfz³ n ji G ÿîwu Avjv`v K i mvbevi wmwkdwiwu wi bvg w` q wbweo ZË veavb Kiv n Q ZvB G Av jvpbvq mvbevi wmwkdwiwu wi g v br g Ui Dci iæz v ivc Kiv nqwb cwi k l, ejv hvq ewy Z cwipvjb SuywK m wókvix NUbvejx FY SuywK e e vcbv K mgm vmö Í K i Zzj Z cv i (Abygvbwbf i) Ges e vsk jvi m ve mnbkxjzvi gvîv we køl Y fzj ms KZ cö`vb Ki Z cv i G avivevwnkzvq e vswks m± i Awb Qv m Ë I wkqz m ve c wzmz SuywK (systemic risk) we Ívi jvf Ki Z cv i ZvB, G ÿ Î FY SuywK e e vcbv, mykvmb Z_v mvwe K SuywK e e vcbv msµvší ms wz Z k Ljv Rvi`vi Kivi j ÿ cwipvjb SyuwK e e vcbvi Rb hy Mvc hvmx wkqz KŠkj D veb Ki Z n e cwipvjb SuywK e e vcbvi hme ÿ Î Rvi w` Z n e Zv n jv t (1) cö_g myiÿv Íi K kw³kvjx Kivi gva g cöwzôv bi mkj Í ii Kg KZ v K cwi vifv e cwipvjb SuywK e e vcbvi K wó/cwicvjb m ú K AewnZ Ki Z n e (2) GKwU ^vaxb SuywK e e vcbv BDwbU/wWwfkb vc bi gva g wøzxq myiÿv Íi K e wbô I kw³kvjx Ki Z n e hv Z me ai bi cövwzôvwbk wm vší MÖnY I Av`k FY SuywK we køly e e v wbwðz Kiv hvq (3) Z Zxq myiÿv Í ii Ask wn m e Af šíixy wbixÿv/ wbqš Y wb qvwrz wbixÿkmy e emvwqk µgvbymv i mkj Kg KZ vmy h_vh_ wbqg I c wz g b, mzzvi mv _ wm vší MÖnYc~e K Dc vwcz Kg Kv Ði gv bi MÖnY hvm Zvi wel q AvcwË Zz j ai Z n e G ÿ Î gv S gv S m irwg b Z`šÍ A_ev Pjgvb Kvh µg n Z YMZ gvbm úbœ bgybv msmön K i Zv we køly Ges ms kvabg~jk e e v MÖnY Kiv h Z cv i (4) evwywr K Z_ vejxi YMZgvb I avivevwnk cöevn Ae vnz ivlv (5) F Yi Rb cövß Av e`bc Î ewy Z Ab Z_ vw`i mv _ FY msµvší Z_ vw`i avivevwnk cöeyzv A_ vr wek vm hvm Zv wbwðz Kivi Rb SzuwKwfwËK ch v jvpbv e e v Pvjy Kiv (msl vzvwë K ev wbf iy we køl Yi gva g) (6) cwipvjb SuywKi wbe vwpz wb ` kkmg~n mwbœ ekc~e K GKwU cwikíbv cöyqb Ki Z n e hv Z e vswks m± ii e emvwqk avivevwnk cöeyzvi wpî mn R cö`wk Z nq cwikíbvq Aek B GKwU e vsk Kxfv e cwipvjb SuywK gvkv ejvq b~ bzg cö wz MÖnY Ges Kxfv e AMÖmi n j m ve wech qi nvz _ K iÿv c q hšw³k mg qi g a ^vfvwek Kvh µ g cöz vez b Ki Z cvi e, m wel q GKwU mywbw` ó w`k-wb ` kbv _vk Z n e DcwiewY Z welqvw` AšÍf y³ K i c` AwWU KwgwU, cl ` SuzwK KwgwU Ges me Í ii e e vcbvi mgš^q I mn hvwmzvq GKwU mgwš^z SuywK wfwëk wi cvwu s e e v M o Zzj Z n e evsjv `k e vsk n Z m irwg b Ges weeiyx wfwë Z (Ad-mvBU) e vsk jvi cwipvjb SuywK e e vcbv msµvší welqvw` ZË veavb Kivi cvkvcvwk ewntwbixÿkmy KZ K cöyxz e vskmg~ ni ewntwbixÿv cöwz e`b ch v jvpbvc~e K ch eÿymg~ ni h_vh_ cwicvjb wbwðz Ki Z n e m úªwz evsjv `k e vsk n Z e vskmg~ ni cwicvj bi Rb Af šíixy wbqš Y Ges cwicvjb SuywK e e vcbvi Dci GKwU MvBWjvBb Rvwi Kiv n q Q, mlv b cwipvjb SuywK e e vcbvi mg Í Kjv KŠkj AšÍf y³ Kiv n q Q GLb e vskmg~n K mkj gyl SuywK cwinvi/wbimb Kivi wbwg Ë D³ MvBWjvB b ewy Z Kjv- KŠkjvw`i h_vixwz ev Íevq bi gva g FY weziy e e vq k Ljv wdwi q Avbv, cwipvjb c wzi Ace envi `~i Kiv Ges m e vcwi, GKwU mgwš^z I kw³kvjx SuywK e e vcbvi KvVv gv M o Zzj Z n e jlk: RwW, GdAvBwmGmwW, cö.kv. GwcÖj 2017 evsjv `k e vsk cwiµgv - 15

16 we kl jlv Dc vcbvt ïay wbqg i vb h _ó bq evsjv `k e vsk cwiµgv - 16 Gb G Gg mviiqv i AvLZvi Dc vcbv Ggb GKwU wkí gva g, hlv b KÉ-Kv Ri gva gb Avcbv K gvby li mv _ AšÍi½ n Z n e ZvB ïay KÉ, ïay evpbfw½, ïay KweZv bq- Dc vck wn m e Avcbvi g a _vk Z n e GKUv ^vzš Avi mvejxjzv a iv hvk Kv bv GK QzwUi `ycy i evwo fwz grevb mevb K wb q GKmv _ e m Qb GKUv cvwievwik Avm i AvÇv Av jvpbv Zv Av QB, mb mv _ i q Q ga vý fv Ri Av qvrb K qkrb cvkv iuvaywb Avi iuvwa q wg j ek R ck ivbœv n q Q evwo Z bvbvb AvB U gi mgvnv i Avcwb wb RI w` knviv KvbUv i L KvbUv b eb cv Z Ggb mgq Avcbvi mvg b hw` Møvm, cøu, cvwbi RM Avi ZiKvwii evwu jv Lye G jv g jv Avi A MvQv jvfv e i L `qv nq wksev h ZiKvwiUv Avcbvi GKUz ewk cq ` muv ev` w` q Ab GKUv AvB Ug Rvi K i Avcbvi cv Z ewk Zz j `qv nq, Zvn j wb Ri ARv šíb grvruv GKUz wem o hviqvuv A ^vfvwek bq Avi GUv hw` GKevi n qb hvq Zvn j jvfbxq Avi mȳ ^v`y me ivbœv _vkvi c ii Av qvrb K i `ycy ii LvIqvUv ZLb Avi Dc fvm Kivi g Zv _v K bv, n q D V bnv qz cövz wnk w`bcwäi wbqg i v Avi GKwU KcU mvgvwrkzv Dc vcbvi e vcviwui Ggb Zv m Awd mi Kv bv wgwus-wmwus q nvk, RwUj Kv bv wel qi cöwk Y K v m wksev mwgbvi n j nvk, PvKwii B UviwfD ev Ab Kv bv mv vrkvi nvk, Ljvi gv Vi aviv weeiyx Z nvk, K v ei wksev cvov-gnjøvi Kv bv mvs wzk Av qvr b nvk, ezvi-wuwfi Kv bv Avb ` Drmvqb ev UK kv Z-B nvk wksev nvk Kv bv ivr bwzk mfv-mgv e k cwi ek bi aibuv hw` g bvmövnx bv nq Z e Dc vck/dc vwckvi K_v kvbv, Zvi w` K P q _vkv wksev Zvi mv _ Zv j Zvj gjv bvuv ZLb wbzvší KcUZv Qvov Avi wkqzb _v K bv `k K kövzv ev Dcw Z myaxr bi Rb Lqvj K i `L eb, ZLb Dc vck/dc vwckvi K_vevZ v eis weiw³ib D `ªM K i; DmLym Ki Z _v K gb kl gk h Av qvr b NUv K i hvm `qv, mlv bi Avi gbuv wbweó Kiv hvq bv Avi G Kvi YB, whwb Dc vcbv K ib Zv K n Z nq A bk KŠkjx, Av ewmk Avi `vwqz kxj dz ji ci dzj w` q h gvjv Muv_v, my ZvUvB wkš Zvi Avmj; wqu o M j mynªvyx Avi mỳ k cy úivwr _v K e U, gvjv Avi _v K bv Dc vck ev Dc vwckv GB my Zvi KvRwU K ib Avevi wk mi ci wk _vk e, wkfv e _vk e Zvi mvrm¾v Avi eyb bi KvRwU Zv `i Nv ob G m c o Zvic i Avevi mgq ejyb wksev AvB Ug, Kv bvuvb Zv Avi Adzivb bq wksev D ë hw` ewj, kövzv wksev `k K, wksev Avm i Dcw Z AvgRbZv- Kv iv mgqb Adzivb bq Dc vcbv GKwU evwpk wkí ZvB GLv bi PP v cö qvrb, cö qvrb AwfÁZv Ges GKvMÖZvi A bk Av qvrk ` LwQ, fvov K i Dc vck Av bb e U wkš Zv K Avevi bnv qz Nvl Ki Pqv i ewm q bm ` wkqz bvg cwo qb vší w` Z Pvb G Z Avi hvb nvk, Dc vcbv nq bv H h, LvIqvUv n q hvq e U, LvIqvUv Dc fvm n q I V bv Avi m Kvi YB ÔIV Qzuwo Zvi we qõ e j ûu K i KvD K g  Zz j w` jb nq bv, Zv K mgq Avi cö wz bevi my hvm w` Z nq GgbwK m hw` Lye L vwzgvb, cözÿ rcbœgwz Avi gavex KDI nq, ZeyI ej ev, ûu K i g  D V gâ gvzv bv hvq, wkš g Âi mvg bi gvbyl jvi g bvrm Z vqx Avmb K i bqv hvq bv L vwzgvb Dc vwckv Acivn DBb d«wksev ü`qmövnx e³v, cö Z K Dc vc Ki Dc vcbvq ^Zš vbj Av Q GwcÖj 2017

17 we kl jlv A vc ji cöwzôvzv w f Re mi Rxe bi NÈvi ci NÈv iqvr/abykxjb Kivi Kvwnbx i q Q KÉ, evpbfw½, D PviY, kã Pqb, evk MVb Avi kix ii A½cÖZ ½ jvi mvejxj mâvjbv- mewkqz wg jb GKwU Dc vcbv cövyeší n q I V QvU QvU AwfÁZv Avi ` k gvb D`vniY m Dc vcbv K K i Zv j AviI AvKl Yxq Zvi P qi eo KŠkj- GKRb mdj Dc vck n Z M j kövzv-`k Ki gb co Z Rvb Z nq KvRwU wkš Lye mnr bq gvbyl GLb ïb Z PvB Q wkbv, ïb Z PvB j wvk Kvb wel q Zv `i g b AvMÖn i q Q, hv Avwg kvbv Z P jwq Zv wk Kej Avgvi wkqz ZvwË K Áv bi cö cy bvwk Rxeb _ K bqv AwfÁZvi wg kj, Avi KbB ev kvbv Z PvBwQ Gme- G me wkqz m ú K cwi Qbœ GKwU aviyv ivl Z nq Dc vcbvi cöv v j `jgz wksev ivr bwzk wek v mi Lvjbj P Q o GKevi wbi c fv e e½eüyi 7B gv P i fvlyuv ï b `Lyb, mlv b Av em Av Q, Av Q ev ÍeZv, Av Q kövzv K Avcb K i bevi Zvobv, Av Q KvwU gvby li ü` q wbmö ni weiæ h jykv bv vf Zvi wb g vn we ùviy G fvly ZvB AvRI KvjRqx my hvm _vk j BDwUD e Lyu R `Lyb dr j jvnvbxi hw` wkqz g b bv K ib `L eb wk mnr mij fw½gvq, wk Avcb K i wzwb K_v e j Qb gvby li mv _ ` ki mxgvbv cwi q kvbl wmiv Ri gvwu I gvbyl mvov d j Q wek `iev i ïay Dc vcbvi YB Dc vck hlb AwfÁZv Avi AvU cš i Rxeb _ K D`vniY U b wb q Avcbvi mvg b Kv bv NUbv ev e³e Dc vcb K ib ZLb muv Avcbv K ewk AvKl Y K i GB AwfÁZv wkš Kvm K i wksev AbyKiY K i nq bv, GwU AR b Ki Z nq Avi m R b B GKRb Dc vck K n Z nq eûgylx cöpzi Rvb Z nq GB Rvbvi e vwß mg n Z cv i ebcî c o, eüyevü ei AvÇvq MVbg~jK Av jvpbvq, ch e Y kw³ w` q, GgbwK Avkcv ki gvby li Pjv div K_vevZ v Lqvj K ii nuqvwj, fwyzv, fvlvi Ljv GKUv Dc vcbv K grvi K i e U, Z e Zv ZLbB hlb g~j welq e i mv _ Zvi ms hvm N U Kv RB Avwg Kvb wel q Dc vcbv Ki Z hvw Q m wel q Avgvi ^ Q aviyv _vkv Aek B cö qvrb ZvQvov, mg qi ^ízv, AwZw_ Av jvp Ki AwZ evpvjzv ev fzj evpkzv, Awb Qvq Kv bv ce ev` c o hviqv GiKg bvbvb ai bi P v jä Av m Dc vc Ki mvg b `k K kövzv K eys Z bv w` q Bg cövfvb Rkb-Gi gva g Lye mvejxjfv e Ggb cwiw wzi gvkv ejv KivUv ZLb Awbevh n q I V Bg cövfvb Rkb ev gvwb q bevi KŠkjwU bvu Ki gvby liv fv jv cv ib ZvB Zv `i Kv QI wk L bevi Av Q LvwbKUv Avevi úw Uwbqvm ej Z cvivuvi wkš Riæwi- my `i ü`qmövnx Dc vcbvi Rb m Rb wb R K_v m wó Kivi gzv AR b Ki Z nq Dc vck K wewuwfi ÔBZ vw`õ AbyôvbwU h cövq wîk eqi a i RbwcÖq, Zv wkš GB mnr mvejxj Avi Rxeb Nulv Dc vcbvi Rb B KD KD bvgx-`vgx KweZvi jvbb gyl Í K i wksev `y-pviuv PUK`vi kã g b i L Dc vcbv Ki Z Pvb G Z Lye GKUv jvf nq e j g b nq bv eis KD hw` wb Ri `y-pviwu K_v wb Ri fw½ Z ej Z cv i Z e muv Dc vck Ges `k K/ kövzvi gv S eübuv ` p K i Zvi gv b GB bq h Avcwb KweZv g b ivl eb bv ev `yõpvi U Mv bi jvbb Avcbvi `k K kövzv K kvbv Z cvi eb bv Z e, mdj GKRb Dc vc Ki wb Ri K_v ejvi GKUv wewkó Xs _vkv PvB e U Avãyjøvn Avey mvqx`, nvwbd ms KZ, Avãyb b~i Zzlvi, dvirvbv eªvdwbqv, mvwgqv Rvgvb- Gu `i cö Z KiB K_v GKRb mdj Dc vc Ki Rb AvZ wek vm Lye Riæwi ejvq `L eb wbr wbr vbj Av Q kã hv e eüz nq, Zvi cövq meuvb Awfav b cv eb, wkš ejvi aibuv? IUv ˆZwi K i wb Z n e Avi mvnmx Dc vck gv S gv S `yõpviwu kã ˆZwi K i d jb- Awfav b _vk ev bv _vk, I jv kövzvi Kv b gayi Ges mnr eva n j Avi Kvb mgm v bb hgb ÔGevi Agy Ki K Év Pvi Y ïb ev AgyK Ave wëõ ev ÔG ch v q _vk Q GKwU Mvb KÉvq b AgyKÕ Ggb A bk wkqz gv K wus q cövq ejv nq mdj n Z n j wb Ri cv `y Uv K MÖvn Ki Ry Zvq XzwK q `L Z n e Dc vcbvi Ggwb GKwU gv K wus ZvB mdj n Z n j wb R K `k K kövzvi Avm b ewm q wb g vnfv e wepvi Ki Z n e e w³mz cq ` AcQ ` Avi ivm-abyiv Mi cöfve hw` KL bv Dc vcbvq G m c o ZLb cökvkfw½ evavmö Í nq ms hvm wew Qbœ nq Avi Gic i Dc vcbv Kv_vq KiwQ, wk cwi e k KiwQ, Kb KiwQ m Abyhvqx KÉ Avi kãpq b grvr Avi gavi wkqzuv gwwwd Kkb Zv jv MB Lqvj K i `L eb, Lye ewk mdj Avi RbwcÖq Dc vck hviv, Zviv cvðzwjwci Dci Kg wbf ikxj hw`i mu Abyôvb jv Z ( hgb ivóªxq Abyôvb, `vßwik mfv) Dc vck `i w ŒÞ ebrw _vk Z ejv nq; cök Zv _ wk ejv hv e Avi wk ejv hv e bv GwU Rvbv _vk j GLv bi Lye GKUv w Œ Þi `ikvi nq bv Z e wm Kv qý Avi gvwud m ú K aviyvuzkz bv ivl jb bq me P q eo K_v, Dc vcbv Ggb GKwU wkí gva g, hlv b KÉ-Kv Ri gva gb Avcbv K gvby li mv _ AšÍi½ n Z n e ZvB ïay KÉ, ïay evpbfw½, ïay KweZv bq- Dc vck wn m e Avcbvi g a _vk Z n e GKUv ^vzš Avi mvejxjzv K qkuv wucm& nqz Avcbvi Kv R jvm Z cv i Z e G jv K MÖvgvi g b bv K i ïay GKUv aib fvevuvb köqg  IVvi wgwbu c b iv Av M GKUz cvwb L q wbb AvZ wek vmx _vkzb nvz cv ^vfvwek ivlyb j ^v k vm wb Z cv ib K_v ejvi Av M Pjv div ev AvBK Uªv± Ggbfv e Kiæb hv Z `k K kövzvi wek vm R b h Avcwb Zv `i mv _B K_v ej Qb KÉ ^ ii IVvbvgv wbqš Y Kiæb Gi gva g kövzv K KŠZ~njx K i Zvjv hvq hvwš K Mvj hvm _ K ïiæ K i h Kv bv ai bi AbvKvw Z cwiw wz Z kvší _vkzb KÉ Avi evpbfw½ hw` wvk ivl Z Pvb, Ab fv e ej j Avcwb hw` Avcbvi eª vwûs Ki Z Pvb, Z e Nyg, LvIqv BZ vw` welq jv hzuzkz m e iæwubgvwdk Kiæb gvïvk_v, Avevi mb Lvevi-`vev i wm q VK Q- jey, gkjv hw` cwiwgz bv nq, ewk ev Kg huvb nvk, ivbœv bó n q hv e Dc vcbv Kivi mgq GB cwiwgwz evauzkz gv_vq i L wel qi mv _ cövmw½k hv g b Av m ZvB ejyb `L eb, Avcbvi Dc vcbv A bk my `i n e G Rb KvwPs Kivi Avi GZ GZ wbqg g b Pjvi Kv bv cö qvrb bb jlk : wwww, Lyjbv Awdm GwcÖj 2017 evsjv `k e vsk cwiµgv - 17

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20 MÖš cwiwpwz cvvk `i Pvwn`v c~i Yi cvkvcvwk MÖš vmv ii msmön K mg Ki Z evsjv `k e vsk jvb eªwi Dbœqb, A_ bxwz, mv úªwzk Bmÿ I mvwnz msµvší iæz c~y eb I mvgwqkx msmön K i cökvkbv jv cvv Kivi gva g cvvkmy e w³mzfv e wb Riv hgb DcK Z nb Zgwb mvgwókfv e ` ki Av_ mvgvwrk Dbœq b Ae`vb ivl Z cv ib wb œ cvvkmy GK br i mv úªwzk mg q msm nxz wb œv³ eb/mvgwqkx m ú K mg K aviyv jvf Ki Z cvi eb gywre MÖvwdK b fj 1-3 e½eüy kl gywreyi ingv bi Amgvß AvZ Rxebx Aej ^ b - ˆmq` ivkv` Bgvg Zb q wmaviavb cökvkbv, XvKv; 2017 weáv bi iv R 9 WRb cökœ - Avãyj KvBqyg w` BDwbfvwm wu cöm wjwg UW, XvKv; 2017 Toontoony And Other Stories - Ashraf Siddiqui The University Press Limited, Dhaka; 2013 Development Effectiveness Brief Bangladesh Asian Development Bank (ADB) 2017 Format: Soft Copy Asian Economic Integration Report 2016 What drives foreign direct investment in the Asia and the Pacific? Asian Development Bank (ADB) 2017 Format: Soft Copy f Zi ev Pv mvjvqgvb - gyn ` Rvdi BKevj RvM wz cökvkbx, XvKv; 2017 The Inclusive Growth and Development Report 2017 World Economic Forum January 2017 Format: Soft Copy cö `v l cövk ZRb - kikz Avjx w` BDwbfvwm wu cöm wjwg UW, XvKv; 2016 wneªæ _ K Bûw` - L `Kvi gvngỳ yj nvmvb K_v cökvk, XvKv; 2016 Av¼j Ugm Kweb - n vwi qu expvi v w` BDwbfvwm wu cöm wjwg UW, XvKv; 2016 mõ Z m Uz - gyn ` Rvdi BKevj mgq cökvkb, XvKv; 2016 The Inheritance Powder - Hilary Standing The University Press Limited, Dhaka; 2016 National Accounts Statistics (Provisional Estimates of GDP, and Final Estimates of GDP, ) Bangladesh Bureau of Statistics (BBS) Ministry of Planning May 2016 Format: Soft Copy International Financial Statistics International Monetary Fund October 2016 Format: Soft Copy D jøl, e envikvixmy GLb _ K evsjv `k e vs Ki mkj cökvkbv, cwjwm, iæjm i jkbm, g vbyqvj I Ab vb iæz c~y WKz g U wb œi wjsk _ K WvDb jvw Ki Z cvi eb : BB Intranet Portal > Applications Links > elibrary System > Search > IR Resources GQvov, e-library System Gi Reports and Publications wjs K AvBGgGd, Iqvì e vsk, GwWwe I mvk fz³ `kmg~ ni m Uªvj e vs Ki cökvkbv, evsjv ` ki Kgvwk qvj e vskmg~ ni A vbyqvj wi cvu, weavbwegg, weavbwwgm, A_ gš Yvjq, cwikíbv gš Yvj qi cökvkbv Ges ev RU I M RU WKz g Umn wb œv³ WKz g Ui mdukwc cviqv hvq : Treasury Rules of the Central Government 1957 (Vol-1) we ÍvwiZ Z _ i Rb hvmv hvm Kiæb: dvb: 21571, 21650, evsjv `k e vsk cwiµgv - 20 GwcÖj 2017

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