wj Û evsjv `k wjwg UW evwl K cöwz e`b 2011

wj Û evsjv `k wjwg UW evwl K cöwz e`b 2011

062 wj Û evsjv `k wjwg UW evwl K cöwz e`b 2011 Kv úvbxi `k b evsjv ` ki hme e emvwqk Lv Z Avgiv wb qvwrz, mme Lv Z Avgiv bz vbxq wn m e ^xk Z n ev µgvmz D veb,cwipvjb ` Zv, e q h_v_ Zv I Avgv `i Kg x `i cöwzfvi gva g me vz K cö Póvi Øviv MÖvnK `i mšíywó weav bi Dci Avgv `i mvdj cöwzwôz n e Avgiv me `vb Avgv `i Kv R mzzv I `vwqz ev ai D Pgvb cö qvm Ki ev

wj Û evsjv `k wjwg UW evwl K cöwz e`b 2011 063 m~pxcî 062 Kv úvbxi `k b 064 Avw_ K BwZe Ë 065 GK br i mviv eqi Ges g~j ms hvwrz weeiy 066 evwl K mvaviy mfvi weáwß 067 cwipvjkgûjx 070 mfvcwzi wee wz 075 cwipvjkgûjxi cöwz e`b 077 KwgwUmg~n 082 kqvi nvìvi `i cöwz AwWUi `i cöwz e`b 083 Avw_ K Ae vi weeiy 084 Kgwcª nbwmf Av qi weeiy 085 BKy BwU cwiez bi weeiy 086 bm` A_ cöev ni weeiy 087 Kbmwj W UW Avw_ K Ae vi weeiy 088 Kbmwj W UW Kgwcª nbwmf Av qi weeiy 089 Kbmwj W UW BKy BwU cwiez bi weeiy 090 Kbmwj W UW bm` A_ cöev ni weeiy 091 wnmv ei UxKvmg~n 114 Kv úvbxi Ae vbmg~n 115 wj Û evsjv ` ki mvbum& 116 Kv úvbxi cy mvgmöx I mevmg~n

064 wj Û evsjv `k wjwg UW evwl K cöwz e`b 2011 Avw_ K BwZe Ë 2007 2008 2009 2010 2011 iwfwbd UvKv'000 2,000,172 2,498,583 2,742,817 3,199,375 3,729,754 Ki-c e gybvdv " 350,155 457,740 772,611 903,256 940,136 Ki eivï " 89,171 116,106 181,972 241,320 230,584 wejw ŸZ Ki " -2,667-17,708-19,231-6,132 28,037 Avq " 263,651 359,342 609,870 668,068 681,515 cö ÍvweZ jf vsk " 106,528 117,181 117,181 152,183 152,183 AšÍe Z xkvjxb jf vsk cª`vy " - 152,183 152,183 380,457 380,457 mvaviy msiw Z Znwej* " 1,195,914 1,312,546 1,666,177 1,823,141 1,993,048 kqvi g~jab " 152,183 152,183 152,183 152,183 152,183 cybtg~j vqb eve` msi Y " 46,181 46,181 20,174 20,174 20,174 kqvi nvìvi `i BKz BwU* " 1,394,278 1,510,910 1,838,534 1,995,498 2,165,405 bxu vqx m úwë " 1,004,121 961,178 922,735 1,043,552 1,238,834 AePq " 134,386 135,466 136,321 132,769 131,915 kqvicöwz Avq UvKv 17.32 23.61 40.08 43.90 44.78 wc B iwki " 19.00 11.00 12.00 16.00 14.00 kqvicöwz jf vsk " 7.00 17.70 17.70 35.00 35.00 jf vsk (%) 70 177 177 350 350 kqvicöwz bxu m úwë* UvKv 91.62 99.28 120.81 131.13 142.29 kqvicöwz cwipvjbv _ K bm` A_ cöevn " 22.16 25.11 68.41 45.45 34.57 iwfwbd Avq I jf vsk iwfwbd Avq jf vsk 3730 3199 2743 2499 2000 359 264 269 610 269 668 533 682 533 107 2007 2008 2009 2010 2011 2007 2008 2009 2010 2011 wgwjqb UvKv wgwjqb UvKv kqvicöwz bxu m úwë g~j Av qi AbycvZ* kqvicöwz bxu m úwë 91.62 99.28 120.81 131.13 142.29 2007 2008 2009 2010 2011 14 19 2007 2008 2009 2010 2011 16 11 UvKv * Dc vc bi cwiez bi Rb cª vwez jf vs ki mgb q mvab 12 mgq

wj Û evsjv `k wjwg UW evwl K cöwz e`b 2011 065 GK br i mviv eqi 2011 2010 Gi Zzjbvq cwiez b 2010 iwfwbd UvKv '000 3,729,754 3,199,375 16.58% Ki-c~e gybvdv " 940,136 903,256 4.08% Avq " 681,515 668,068 2.01% kqvicöwz Avq UvKv 44.78 43.90 2.01% g~j ms hvwrz weeiy 2011 mv ji 31 k ww m ^i Zvwi L mgvß eq ii 2011 2010 UvKv 000 % UvKv 000 % g~j ms hvrb iwfwbd 3,729,754 3,199,375 gvjvgvj µq Ges mevmg~n (2,143,388) (1,709,638) 1,586,366 1,489,737 Ab vb Avq e vskrgv eve` my`mn 77,046 82,946 weziy hvm 1,663,412 100 1,572,683 100 weziy Kg Pvixe ` K-cvwikªwgK I my hvm myweav eve` 438,699 27 421,223 27 g~jab mieivnkvix `i Kt (K) F Yi Dci my` 6,321-1,393 - (L) cª ÍvweZ AšÍe Z xkvjxb I Pzovš jf vsk 532,640 32 532,640 34 mikvi K Ki, ïé Ges AwaKi eve` 404,962 24 349,230 22 cybtwewb qvm Ges cöe w i Rb iw Zt (K) AePq 131,915 8 132,769 8 (L) mvaviy msi Y 148,875 9 135,428 9 1,663,412 100 1,572,683 100

066 wj Û evsjv `k wjwg UW evwl K cöwz e`b 2011 evwl K mvaviy mfvi weáwß GZØviv GB g g weáwß cö`vb Kiv hv Q h, wj Û evsjv `k wjwg UW-Gi 39Zg evwl K mvaviy mfv AvMvgx 10B g 2012, ivr e n úwzevi, mkvj 10Uv 30 wgwb U Awdmvm K ve, 26 ebjx ivw, igbv, XvKv-1000-G AbywôZ n e mfvi Av jvp m~px wb œiƒct 1. 31 k ww m ^i 2011 mgvß eq ii wnmve, AwWUi `i Ges cwipvjkgûjxi cöwz e`b MÖnY I Aby gv`b 2. 31 k ww m ^i 2011 mgvß eq ii Rb jf vsk NvlYv 3. cwipvjk wbe vpb 4. AwWUi `i wb qvm`vb I cvwikªwgk wba viy cwipvjkgûjxi Av `kµ g UxKvt 1. h mkj kqvi nvìvim Yi bvg ikw WU 20 gvp 2012 ch ší Kv úvbxi m`m ewn wksev wwcwruix ewn Z ˆeafv e _vk e Zv `i n vš wiz kqvimg~ ni Rb D³ kqvi MÖnxZv mvaviy mfvq hvm`v bi Ges jf vsk jv fi hvm e j we ewpz n eb 2. evwl K mvaviy mfvq hvm`v bi hvm m`m Zvi c mfvq hvm`vb I fvu cö`v bi Rb GKRb cöw wb qvm Ki Z cvi eb wbr AwaKv i mfvq hvm`vb I fvu cö`v b m g bv n j Kvb e w³ cöw wn m e KvR Ki Z cvi eb bv 3. h_vh_fv e c~iyk Z cöw di&g Aek B 07B g 2012, mvgevi mkvj 10Uv 30 wgwb Ui g a Kv úvbxi iwrwóªk Z Kvh vj q Rgv w` Z n e, Ab _vq Zv ˆea e j we ewpz n e bv Gg bvrgyj nv mb Kv úvbx mwpe 08B gvp 2012 iwrwóªk Z Kvh vjq K c v iu Awdm 285 ZRMvuI wk/g XvKv-1208 mwpe Gg bvrgyj nv mb iwrwóªk Z Kvh vjq K c v iu Awdm 285 ZRMvuI wk/g XvKv-1208 AwWUi ingvb ingvb nk e vskmg~nt w` nsks mvsnvb e vswks K c vt wjt vûvw PvU vw e vsk wjt mvbvjx e vsk wjt AvBb Dc `óv nk G vû Kv úvbx mq` BmwZqvK Avn g`& G vû G mvwm qum

wj Û evsjv `k wjwg UW evwl K cöwz e`b 2011 067 cwipvjkgûjx AvBqye Kv`wi 2011 mvj n Z Pqvig vb Rbve AvBqye Kv`wi XvKv wek we` vjq n Z Bs irx Z Gg,G Ges hy³iv óªi Kv bkwukvu wek we` vjq n Z cvewjk G v dqv m -mœvz KvËi wwwmö jvf K ib Rbve Kv`wi cvwk vb I evsjv `k-gi cökvmwbk GKv Wwg Z e vck cöwk Y QvovI wm½vcyi wek we` vjq, AvB,Gj,I BwbwówUDU R bfv, RvwZmsN BwbwówUDU Rvcvb, `w Y c~e Gwkqvi AvÂwjK K `ª wdwjcvb b, BwbwówUDU Ae cvewjk mvwf m Ges BD,Gm,G,mn eû Avš R vwzk cöwzôv b cöwk Y MÖnY K ib Rbve Kv`wi 1969 mv j cvwk v bi wmwfj mvwf m Kg gq Rxeb ïi K i evsjv `k mikv ii wewfbœ c ` `vwqz cvjb K ib; Gi g a wzwb wewfbœ gš bvj q vqx c ` mwpe wn m e `vwqz cvjb K ib `vwqz cövß gš bvjq jv n jvt wkí, cvwb m ú`, A_ bwzk m úk, Lv`, grm I cïcvjb, K wl I cjøx Dbœqb wzwb evsjv `k KwgK vj BÛvwóªR K c v ikb (BCIC) Gi mfvcwz Ges cjøx Dbœqb ev W i (BRDB) gnvcwipvjk wn m e `vwqz cvjb K ib Rbve Kv`wi 2005 mv j mikvix PvKzix n Z Aemi bb 2007 mv ji Rvbyqvix gvm n Z wzwb Kqvi UKvi mikv ii Dc `óvi `vwq Z wq jb wzwb wk v I mvs wzk gš bvj qi `vwq Z wq jb wzwb GKB eq ii ww m ^i gv m c`z vm K ib Rbve Kv`wi eû mikvix, e w³gvwjkvbvaxb I hš_- gvwjkvbvaxb Kv úvbx-gi ev W i m`m wn m e f~wgkv iv Lb ZvQvov wzwb ewmk e vsk wjt, KY dzjx dvwu jvbrvi Kvs (KAFCO), BÛvwóªqvj cö gvkb GÛ ww fjvc g U Kvs (IPDC) Ges evsjv `k BwbwówUDU Ae g v br g U (BIM)-Gi ev W i mfvcwz wq jb wzwb 2008 mv j wj Û evsjv `k wjwg UW-Gi cwipvjkgûjx Z hvm`vb K ib Bidvb Gm gwzb 2011 mvj n Z e e vcbv cwipvjk Rbve Bidvb wknveyj gwzb GKRb B jkwu«k vj BwÄwbqvi wzwb evsjv `k BDwbfvwm wu Ae BwÄwbqvwis I UK bvjwr (ey qu), _ K B jkwu«k vj BwÄwbqvwis-G MÖ vry qkb K ib 1980 mvj _ K wzwb weiwm Z Zvui Kg Rxeb ïiy K ib Rbve gwzb Kv úvbx Z Kg Kvjxb mgq wewfbœ iz c~b D P c ` `vwqz cvjb K ib hvi ekxi fvmuvb wqj gv K wus, weµq, Kv gvi mvwf mm, cöwkdi g U, www ªweDkbm, Kv gvi BwÄwbqvwis mvwf mm, I qwìs- Acv ikbm Ges cö R±m wzwb 2008 mv j wj Û evsjv `k wjwg UW-Gi cwipvjkgûjx Z hvm`vb K ib wzwb evsjv `k BwÄwbqvim BbwówUkb, XvKv-Gi GKRb AvRxeb m`m evy W û Mv BDwjR 2012 mv ji gvp gv m cwipvjkgûjx Z hvm`vb K ib Rbve evy W û Mv BDwjR wm½vcyi `w Y I c~e Gwkqv wfwëk AvÂwjK e emv qi BDwbU nw wn m e wj Û MÖ c KZ K bzzb g bvbqb cövß wzwb Gwkqvi h 11wU ` k wj Û Kv úvwbi `ª Z ewa òz e emvq `Lv kvbv K ib m jv njt evsjv `k, fviz, B `v bwkqv, Kvwiqv, gvj qwkqv, cvwk Ívb, wdwjcvbb, wm½vcyi, kªxjskv, _vbj vû I wf qzbvg Rbve evy W Rvg vbxi Kvj kö n (karlsruhe) wek we` vjq n Z cö mm BwÄwbqvwis-G mœvz KvËi wwmöx AR b K i Qb wzwb 2004 mv j Rvg vbx wj Û GwR Kv úvwb Z c~e wiwri bi nw Ae mjm wn m e hvm`vb K ib; mlv b wzwb c~e Rvg vb A j weµq Ges G vwcø Kkbm UK bvjwri `vwq Z wq jb wj Û GwR Kv úvwb Z Zvi Pvi eqi Kvh Kv j wzwb c~e Rvg vbx Z e emv qi D jøl hvm cöe w mvab K ib Ges wj Û MÖ ci Rb e vck AvKv ii cökímg~ n `vwqz cvjb K ib 2008 mv ji GwcÖ j evy W c vb M vm GwR bvgk mybrvij vû wj Û MÖ ci GKwU BDwb Ui cöavb wbe vnx Kg KZ v wn m e wb qvm jvf K ib 330 Rb Kg KZ v- Kg Pvixi mgš^ q MwVZ c vb M vm Kv úvwb wkí M vm Ges ^v mev Lv Z mybrvij v Ûi kxl vbxq Kv úvwb 2011 mv ji A ±ve i evy W `w Y I c~e Gwkqv A j wiwribvj wer br BDwbU nw wn m e Zvi bzzb wb qv M hvm`vb Kivi Rb wm½vcyi Mgb K ib wj Û Kv úvwb Z Zvi Kg Rxeb ïi nevi c~ e evy W Rvg vbx Z M vm wkí KviLvbvq mjm BwÄwbqvi wn m e I jwrw K `vwq Z Pvi eqi AwZevwnZ K ib Ges Av iv Pvi eqi Rvg vbx, BD K Ges d«v Ý G.wU. Kqv b (AT Kearney) Kv úvwb Z Kbmvwës Kv Ri `vwqz cvjb K ib Kbmvwës dvg wu Z wzwb i Z c~y K v q U `i mv _ wbg vy, wimvbwk s, UwjKwgDwb Kkb Ges KwgK vj LvZmg~ ni wewfbœ cök í KvR K ib AwaKš, wzwb wbgœwjwlz Kv úvwbi ev W i cwipvjk wn m e `vwqz cvjb Ki Qbt wj Û M vm Gwkqv cövb fu wjwg UW, wj Û M vm wm½vcyi cövb fu wjwg UW, wj Û gvj qwkqv nvwìsm wegbpww, wj Û cvwk vb wjwg UW

068 wj Û evsjv `k wjwg UW evwl K cöwz e`b 2011 WRvBwi ev Pi 2012 mv ji gvp gv m cwipvjkgûjx Z hvm`vb K ib wgm WRvBwi ev Pi wj Û MÖ ci GKwU mn hvmx ms v, wj Û M vm Gwkqv cövb fu wjwg U Wi `w Y I c~e Gwkqv A ji wdb vý GÛ K Uªvj wefv Mi cöavb wn m e `vwqz cvjb Ki Qb wzwb cwð g cvwk vb n Z ïi K i c~ e `w Y Kvwiqv Aewa 11wU `ke vcx cömvwiz wj Û MÖ ci e emv qi wdb vý GÛ K Uªvj welqk Kvh µg `Lv kvbv K ib wm½vcyi AvÂwjK m`i `ß i Zvi Kvh vjq Aew Z wgm ev Pi 12 eq iii AwaKKvj wj Û MÖ ci mv _ Kg iz wzwb 1999 mv ji AMv gv m wj Û wdwjcvbbm Kv úvwb Z wdb vý Kvh µg wefv M cö_ g wdb vwýqvj K Uªvjvi wn m e hvm`vb K ib Zvici wzwb Kgvwk qvj g v brv ii `vwqz MÖnY K ib Ges 2001 mv j wdb vý wefv Mi Rbv ij g v brvi nb 2003 mv j wzwb Gwkqv A ji mvwf m KvqvwjwU g v brvi wn m e AvÂwjK `vwqz cvjb Kivi j wdwjcvbb n Z wm½vcy i P j Av mb; mlv b wzwb mvi ebý A ji wdb vý AM vbvb Rkb W fjc g U-Gi cvkvcvwk DËi I `w Y c~e Gwkqv A ji Ab vb wewfbœ cök í `vwqz cvjb K ib 2006 mv j ` v weiwm MÖ c Ges wj Û GwR GKxf~Z n q ` v wj Û MÖ c MwVZ niqvi cwi cöw Z wgm ev Pi `w Y I c~e Gwkqv A ji G vkvdw Us GÛ wi cvwu s WvB i±i-gi `vwqz MÖnY K ib 2010 mv j wzwb cybivq wdwjcvbb Kvh vj q hvm`vb K ib mlv b wzwb `w Y I c~e Gwkqvi Rb G vkvdw Us m Uvi Ae G j Ýi cöavb wn m e `vwqz MÖnY K ib Ges H A ji kqvw mvwf m m Uv ii aviyv ev evq bi f~wgkv iv Lb 2011 mv ji m Þ ^ i wzwb Zvi ez gvb c ` wb qvm jvf K ib Ges ez gv b wm½vcy i Zvi Kvh vjq Aew Z wgm ev Pi g vwbjv mb U jvw KvR K j Ri gmbv Kvg jw (Magna cum Laude) n Z G vkvd U vwý Z e v Pjvi Ae mv qý wwwmö AR b K ib wzwb wdwjcvb bi GKRb mvwu dvbw cvewjk G vkvd U v U wkªk gvi gbb 2012 mv ji gvp gv m cwipvjkgûjx Z hvm`vb K ib Rbve wkªkzgvi gbb wj Û MÖ ci m`m Kv úvwb weiwm BwÛqv wjwg UW-Gi Kvw Uª nw I g v bwrs WvB i±i wn m e Kg iz wzwb fviz, evsjv `k Ges kªxjskvq e emv qi K v vi nw wn m ei `vwqz cvjb Ki Qb wzwb nw Ae wdb vý wn m e 2001 mv j weiwm BwÛqv wjwg UW-G hvm`vb K ib Ges H eqib Kv úvwbi wdb vý WvB i±i nb 2008 mv j Rbve gbb weiwm BwÛqv wjwg UW-Gi g v bwrs WvB i±vi wn m e wb qvm jvf K ib Ges 2012 mv ji Rvbyqvix Z fviz, evsjv `k I kªxjskvi K v vi nw wn m e `vwqz MÖnY K ib wzwb kªxjskv Kj ^v Z kxjb Aw Rb Kv úvwb wjwg U Wi cvkvcvwk fviz KvjKvZv wfwëk wj Û Møvevj mv cvu mvwf mm cövb fu wjwg UW-Gi cwipvjkgêjxi m`m wn m e `vwqz cvjb Ki Qb bqvw`wjøi gv_yiv iv W Aew Z w`wjø cvewjk zj n Z cov kvbv kl K i wzwb w`wjø wek we` vj qi Aaxb wn `y K jr n Z e v Pji Ae Kgvm -G Abvm wwmöx AR b K ib Rbve gbb Bbw wudu Ae PvU vw G vkvd U v Um Ae BwÛqv n Z PvU vw G vkvd U v U wn m e DËxY nb Ges 1978 mv j evj gi jvwi GÛ Kv úvwb Z wdb vý Gw wkdwuf wn m e Zvi Kg Rxeb ïi K ib Zvici n Z wzwb ek KZ jv eo gv ci BwÛqvb K c v ik b wewfbœ c ` `vwqz cvjb K ib 2001 mv j weiwm BwÛqv Z hvm`v bi c~ e Rbve gbb wcwwjvbu BÛªvw ªR wjwg U Wi wdb vý wefv Mi fvbm cöwm W U wn m e `vwqz cvjb K ib Rbve gbb ek KZ jv e emvwqk, ckv`vi I mvgvwrk ms vi KwgwUi g ^vi wn m e `vwqz cvjb Ki Qb wzwb B `v-rvg vb P ^vi Ae Kgvm GÛ BÛªvw ªi GKRb KvDwÝj g ^vi Ges M vm BÛªvw ªR G mvwm qkb Ae BwÛqvi GKRb mv ek cöwm W U I KwgwU g ^vi gvt dv qkz¾vgvb 2010 mvj n Z cwipvjk Rbve gvt dv qkz¾vgvb evsjv `k wewb qvm K c v ikb (ICB)-Gi e e vcbv cwipvjk Ges AvBwmwe K vwcuvj g v br g U-Gi mfvcwz wzwb evsjv `k BwbwówUDU Ae K vwcuvj gv K U (BICM) - Gi cwipvjbv cl `i m`m I vûvw e vsk wjt, BÛvmwUªqvj GÛ Bbd«v ªvKPvi W fvjc g U dvbb vý Kvt wjt (IIDFC), evsjv `k W fvjc g U e vsk wjt (BDBL), weªwuk Av gwikvb Uve v Kv evsjv `k Kvt wjt (BATBC), Mø v v x_k vbb evsjv `k wjt, i buv wjt, GWfvÝW KwgK vj BÛvmwUªm wjt (ACI), b vkbvj wu Kvt wjt (NTC), m Uªvj ww cvwruix evsjv `k wjt (CDBL), XvKv ók G PÄ wjt (DSE), w` BbwówUDU Ae e vskvim evsjv `k, µwwu iwus G RÝx Ae evsjv `k wjt (CRAB), µwwu iwus Bbdi gkb G vû mvwf mm wjt (CRISL) Ges G c U vbvix wjt-gi cwipvjk Rbve gvt dv qkz¾vgvb 1953 mv j Rb MÖnY K ib, wzwb mœvzk (m vb) Ges e e vcbv Z mœvz KvËi wwwmö jvf K ib wzwb hy³iv R i eªvw dvw -Gi eªvw dvw wek we` vj qi Dbœqb A_ bxwz BbwówUDUkb n Z Bb f g U cø vwbs, GcÖvBRvj Ges g v br g U-G cv MÖvRy qkb K i Qb Rbve Rvgv bi 34 eq ii Kv Ri AwfÁZv i q Q Zvig a evwbwr K I wewb qvm e vswks-g 26 eq ii wzwb ez gvb Kg j Avmvi c~ e 2007 mvj n Z AMÖYx e vsk wjt-gi Dc e e vcbv cwipvj Ki `vwq Z wq jb wzwb Zvi c~ e evsjv `k wewb qvm K c v ikb (ICB)-Gi gnv e e vck wq jb

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wj Û evsjv `k wjwg UW evwl K cöwz e`b 2011 075 cwipvjkgêjxi cöwz e`b cwipvjkgêjx 2011 mv ji 31 k ww m ^i mgvß eq ii Rb Kv úwbi wbixw Z wnmve weeiyx Dc vcb Ki Z c i Avbw `Z Kv úvwb wkí I wpwkrmv Lv Z e eüz M vm, I qwìs hš cvwz I cy Ges wkqy wkqy wpwkrmv cy I mvgmöx mieiv ni Î ` ki cöavb mieivnkvix wn m e Zvi Ae vb A zyœ i L Q e emv Kvh µg MZ eqi Kv úvwbi cø v Umg~ ni h Drc`b gzv wqj Zv Øviv wk í e eüz cöavb M vmg~ ni Pvwn`v c~iy Kiv m e n q Q weavq eqiwu Z Kv úwbi e emv Kvh µg eo ai bi Kvb P v j Äi m ylxb nqwb me jv cø v UB mvejxjfv e P j Q Z e, ASU cø v U I B j ±ªvW cø v Um-G i Yv e Yi wkqy i wub KvR m úbœ Kiv n q Q 2011 mv ji 19 k g n Z B j ±ªvW cø v U-Gi Z Zxq jvbbwu Pvjy Kiv n q Q ZLb n Z G Z w` b wzb wkd U Kvh µg Pj Q 2011 mv ji 19 k b f ^i n Z Kvh Ki niqv MÖ c mycvwik Abyhvqx wbivcëvi Kvi Y bvbuªvm A vbw cø v Ui Drcv`b eü i q Q eq ii kl PZz_ vsk n Z bvbuªvm A vbw Avg`vwb Kiv n Q GgGm B j ±ªv Wi ewa òz Pvwn`vi mv _ Zvj wgwj q iƒcm Ä 7,700 gwuªk Ub evwl K mvg_ m úbœ Av ikwu Drcv`b jvbb vc bi KvR GwM q P j Q 2012 mv ji kl PZz_ vsk n Z cø v UwU Pvjy n e e j Avkv Kiv hvq Kv úvwb evrmwik 25 nvrvi wig Drcv`b gzvm úbœ GKwU G v eªwmf K _ cø v U vc bi Rb A_ wewb qvm K i Q 2012 mv ji cö_g PZz_ vsk n Z G v eªwmf K _ cø v U Kvh µg ïi K i Q Avw_ K djvdj Kv úvwbi AwR Z weµq ev e emvq 17% e w c q c~e ez x eq ii 3,199,374,647 UvKv n Z Av jvp eq i `uvwo q Q 3,729,754,357 UvKvq G e w N U Q g~jz GgGm B j ±ªv Wi weµq e w i Kvi Y 2011 mv j Kvh µg cwipvjbv n Z AvMZ gybvdv e w c q Q 6 kzvsk KuvPvgv ji Avg`vwb e qi e w i d j gybvdv wkqy n«vm c q Q A_ bxwz Z D P gvîvi gy`ªvùxwzi Kvi Y Kvh µg cwipvjbv eve` e q e w c q Q Av jvp eq i Aem i hviqv wmwbqi e e vcbv vd `i GKKvjxb A_ cwi kva, m `nrbk `bv cwi kva e e v Ges Kv úvwbi bvg cwiez b eve` e q Gi Kvh µg cwipvjbv eve` e q e w Z i Z c~y f~wgkv cvjb K i Q Kv úvwbi Ki c~e gybvdv me Kv ji m e v P cwigv Y cuš Q n q Q 940,135,795 UvKv, c~e ez x eq i hv wqj 903, 256,446 UvKv B j ±ªvW LvZ Kic~e gybvdvi Î i Z c~y Ae`vb i L Q wd W ww cvwru n Z cövß mỳ eve` AvqI Kic~e gybvdvi Î D jøl hvm Ae`vb i L Q PjwZ g~jab e e vcbv MZ eqi PjwZ g~ja bi mvwe K e e vcbv m š vlrbk wqj c~e ez x eq ii Zzjbvq MZ eqi Kv úvwbi nv Z Ges Avg`vbx c _ AwaK cwigv Y I qwìs KuvPvgvj _vkvq GB KuvPvgv ji gry` 82% e w cvq evrv i B j ±ªv Wi ewa òz Pvwn`v c~i Yi D Ï k KuvPvgv ji A c vk Z ewk gry` ivlv nq A c vk Z ewk gry `i Av ikwu KviY nj, ˆewk K evrv i i UvB ji NvUwZ _vkvq Gi g~j e w cviqvi cwi cöw Z Kv úvwb A c vk Z ewk cwigv Y i UvBj msmön Kivi wm vš MÖnY K i mikvwi nvmcvzvj n Z e Kqv FY cwi kva Kivi d j wemz eqi FYMÖnxZvi e Kqvi gvîv n«vm cvq AwZwi³ bm` A_ I bm` A _ i mgg~ j i m úwë wd W ww cvwru wn m e Zdwmwj e vs K mviv eqie vcx Mw QZ ivlv n q Q D PZi jf vsk eve` A_ cwi kva, g~jabx e q e w I cy ZvwjKv e w eve` e qi d j bm` A_ I bm` A _ i mgg~ j i m úwëi cwigvy D jøl hvm cwigv Y n«vm c ji wd W ww cvwru n Z cövß mỳ eve` Avq wemz eq ii Zzjbvq 10% ewk wqj jf vsk Av jvp eq ii Rb kqvi cöwz 25.00 UvKv (250%) Aš e Z xkvjxb jf vsk cö`vb Kiv n q Q hvi gvu cwigvy 380,457,000 UvKv Aš e Z xkvjxb jf vsk eve` cwi kvwaz A _ i cwigvy MZ eq ii Abyiƒc cwipvjkgêjx Av jvp eq ii Rb, evwl K mvaviy mfvq Aby gvw`z niqv mv c, kqvi cöwz 10.00 (100%) UvKv P~ovš jf vsk cö`v bi mycvwik K i Qb, hvi gvu cwi kvwaz A _ i cwigvy 152,182,800 UvKv (2010 mv j Gi cwigvy wqj 152,182,800 UvKv) m Abymv i Av jvp eq ii Rb kqvi cöwz gvu jf vsk `uvov e 350% G Ges jf vsk eve` cwi kvwaz gvu A _ i cwigvy n e 532,639,800 UvKv (2010 mv ji Rb hv wqj 532,639,800 UvKv) msiw Z Znwej cwipvjkgêjx Av jvp eq i AwR Z gybvdv _ K 681,515,609 UvKv mvaviy msiw Z Znwe j vbvš ii Rb cö ve K i Qb Aemi fvzv eve` A_ cwi kv ai ci GKPzqvwiqvj jvf I wz welqk G vkvd U 210,32,887 UvKv AwZwi³ niqvq Zv mvaviy msiw Z Znwe j Aegy³ Kiv n q Q cwipvjke ` Kv úvwbi ez gvb cwipvjke `i bvg GB cöwz e` bi 067 c ôv _ K 069 c ôvq wjwce Kiv n q Q Rbve AvBqye Kv`wi, wgm WRvBix ev Pi Ges Rbve jwzdzi ingvb Kv úvwb msnwewai 81 bs Aby Q` Abyhvqx AemiMÖnY K i Qb

076 wj Û evsjv `k wjwg UW evwl K cöwz e`b 2011 Rbve AvBqye Kv`wi, wgm WRvBix ev Pi Ges Rbve jwzdzi ingvb, hvm weavq, cybtwb qvm cviqvi AvMÖn e ³ K i Qb K c v iu kvmbe e v wmwkdwiwur GÛ G PÄ Kwgk bi weáwß b ^i SEC/CMRRCD/2006-158/ Admin/02-08, ZvwiL 20 k deªæqvix 2006 Abyhvqx Avw_ K weeiyxi Dci wbqš Yg~jK/AvBbMZ Z_ vw` cö`vb Kiv nq cwipvjke ` GB g g cöwz e`b cö`vb K ib ht Kv úvbx KZ K cö ZK Z Avw_ K weeiyx Kv úvbxi e emvwqk Kvh µ gi mvwe K Ae v, Gi Kvh µ gi djvdj, bm` A _ i cöevn Ges BK zbwui cwigvy cwiez b- GB mkj wel q GKwU mwvk I wbi c wpî Zz j a i Q AvBb Abyhvqx myôz wnmvei Y eb msi Y Kiv n q Q Avw_ K weeiyxmg~n cöyq bi Î h _vchy³ wnmvei Y bxwzgvjv AbymiY Kiv n q Q Ges wnmvei Y welqk AvbygvwbK wnmvevw` wqj hyw³m½z Ges weár bvwpz Avw_ K weeiyxmg~n evsjv ` k cö hvr AvšÍR vwzk wnmvei Y wewa (AvBGGm)-Gi gvb I wb ` k Abyhvqx cö Z Kiv n q Q Af šíixy wbqš Y e e v cwikíbvmzfv e wqj myôz I mwvk, Ges Kvh Kifv e ev Íevq bi cvkvcvwk Gi cwiex YI Kiv n q Q GKwU Pjgvb cöwzôvb wn m e Kv úvbxi wu K _vkvi mvg_ wb q D Ljø hvm Kvb m `n ev mskq bb c~e ez x eq ii Kvh µg cwipvjbv msµvší djvd ji Zzjbvq Av jvp eq i D jøl hvm cwiez bi welq jv wnmvei Y welqk Dc vcbv I cwipvjkgûjxi cöwz e` b we ÍvwiZfv e ewy Z n q Q 2011 mv ji 31 k ww m ^i c~e ez x wzb eq ii Kvh µg cwipvjbv msµvší I Avw_ K welqk cöavb cöavb DcvËmg~n, ev W i mfv msµvší Z_, wbix v KwgwUi mfvmg~n m ^ Ü Z_, kqvi nvwìs-gi aiy, I AvBbMZ wb ` kbv cvjb welqk cöwz e`b cwiwkó 1 n Z 4-G cö`vb Kiv n q Q wbix K wb qvm Kv úvbxi Statutory AwWUi&m KPMG, Gi m`m ingvb ingvb nk, PvU vw GKvD U v Um Aemi MÖnY Ki eb AÎ evwl K mvaviy mfv Z wmwkdwiwur GÛ G PÄ Kwgk bi weáwß b ^i SEC/CMRRCD/2009-193/104/Admin, ZvwiL 27 RyjvB, 2011 Abyhvqx Kvb AwWU dvg Kvb Kv úvbxi cici wzb eqi Gi ekx Statutory AwWUi wn m e _vk Z cvi e bv 1976 mvj n Z ingvb ingvb nk Kv úvbxi Statutory AwWUi&m wn m e KvR Ki Qb wmwkdwiwur GÛ G PÄ Gi Av ` ki e j Kv úvbx Z bzzb Statutory AwWUi&m wb qv Mi cö qvrb AZ vek wkq n q c o Q nv`v fvwm PŠayix GÛ Kvs, PvU vw GKvD U v Um& wj Û evsjv `k wjwg UW - Gi Statutory AwWUi&m wn m e wb qv M cvevi B Qv e ³ K i Qb cwipvjbv cl ` 2012 mvj Ges hvnv ciez x evwl K mvaviy mfv ch š Zv `i wb qvm cö`v bi mycvwik K i Qb (evwl K mvaviy mfv Z kqvi nvìvim Yi Aby gv`b mv c ) wd eve` 4,75,000 UvKv cwipvjkgûjxi c _ K, 08 gvp 2012 Bidvb Gm gwzb e e vcbv cwipvjk AvBqye Kv`wi cwipvjk I mfvcwz

wj Û evsjv `k wjwg UW evwl K cöwz e`b 2011 077 KwgwUmg~n AwWU KwgwU mfvcwz wgm cvifxb gvngy` cwipvjk m`m wgm WRvBwi ev Pi cwipvjk m`m Rbve wkªkygvi gbb cwipvjk m`m Rbve jwzd i ingvb cwipvjk mwpe Rbve gvnv ` bvrgyj nv mb cwipvjk Rbve B `ªwRZ wgî KvwȪ cöavb, BÈvibvj AwWU BwÛqv I evsjv `k, BÈvibvj AwWU Gwkqv/c vwmwdk Kvw Uª jxwvikxc Uxg mfvcwz Rbve Bidvb Gm gwzb e e vcbv cwipvjk m`m Rbve gvnv ` bvrgyj nv mb wdb vý ww i±i Ges Kv úvbx mwpe m`m Rbve wd ivr G wmwïkx nw Ae wndg vb wi mv m m m`m Rbve Avey kv qi g v brvi,avb Gm m`m Rbve Bd ZLvi Kwig nw Ae mvcøvb m`m Rbve gvt Avãyj gwzb g v brvi, wkwkd

078 wj Û evsjv `k wjwg UW evwl K cöwz e`b 2011 cwiwkó 1 2011 mv ji 31 k ww m ^i c~e ez x wzb eq ii Kvh µg cwipvjbv msµvš I Avw_ K cöavb cöavb DcvËmg~n Avw_ K BwZe Ë 2008 2009 2010 2011 iwfwbd (UvKv'000) 2,498,583 2,742,817 3,199,375 3,729,754 Ki-c~e gybvdv " 457,740 772,611 903,256 940,136 Ki eivï " 116,106 181,972 241,320 230,584 wejw ŸZ Ki " (17,708) (19,231) (6,132) 28,037 Avq " 359,342 609,870 668,068 681,515 jf vsk " 117,181 117,181 152,183 152,183 AšÍe Zx Kvjxb jf vsk " 152,183 152,183 380,457 380,457 mvaviy msiw Z Znwej " 1,312,546 1,666,177 1,823,141 1,993,048 kqvi g~jab " 152,183 152,183 152,183 152,183 cybtg~j vqb eve` msi Y " 46,181 20,174 20,174 20,174 kqvi nvìvi `i BKz BwU " 1,510,910 1,838,534 1,995,498 2,165,405 bxu vqx m úwë " 961,178 922,735 1,043,552 1,238,834 AePq " 135,466 136,321 132,769 131,915 kqvicöwz Avq UvKv 23.61 40.08 43.90 44.78 kqvicöwz jf vsk " 17.70 17.70 35.00 35.00 jf vsk (%) 177 177 350 350 kqvicöwz bxu m úwë UvKv 99.28 120.81 131.13 142.29 kqvicöwz cwipvjbv _ K bm` cöevn " 25.11 68.41 45.45 34.57

wj Û evsjv `k wjwg UW evwl K cöwz e`b 2011 079 cwiwkó 2 kqvi nvwìs c vuvb cwipvjke `i bvgt nvwìsm 2009 2010 2011 Rbve AvBq~e Kv`wi -mfvcwz (Rbve Gg mvb`y¾vgvb-gi j mfvcwz wn m e 2011 mv ji g gv m hvm`vb K ib) 10 10 10 Rbve Bidvb wknveyj gwzb- cöavb wbe vnx Awdmvi (Rbve IqvwjDi ingvb f ubqv OBE -Gi j cöavb wbe vnx Awdmvi wn m e 2011 mv ji g gv m hvm`vb K ib) Ges 12 12 12 x (dwji # Gb0018) 12 12 12 Rbve jwzd i ingvb ( ^Zš cwipvjk) 10 10 10 Rbve gvnv g` bvrgyj nv mb - cöavb dvbbvýwmqvj Awdmvi Ges Kv úvbx mwpe 3 3 3 wgm cvifxb gvngy`( ^Zš cwipvjk-2011 mv ji g gv m hvm`vb K ib) - - 50 wbe vnxe `i bvgt Rbve gvnv g` Avey kv qi 37 37 37 x (dwji # Gd0335) 100 100 100 10% ev Zvi P q ekx kqvi nvwìs w` weiwm MÖæc wjwg UW 9,130,968 9,130,968 9,130,968

080 wj Û evsjv `k wjwg UW evwl K cöwz e`b 2011 cwiwkó 3 evw mfvmg n G mg q evw 5 evi mfv Z wgwjz nb cwipvjke `i bvgt Dcw wzi msl v 1 Rbve Gg mvb`y¾vgvb-mfvcwz (c`z vm K ib 2011 mv ji g gv m) 2 2 Rbve IqvwjDi ingvb f ubqv, OBE (Aemi MªnY K ib 2011 mv ji g gv m) 3 3 Rbve AvBq~e Kv`wi- mfvcwz 5 4 Rbve Bidvb wknveyj gwzb- cöavb wbe vnx Awdmvi 5 5 Rbve jx eb wnqvb 5 6 Rbve mäxf jvg v - 7 Rbve we bv` cvuiqvix 2 8 Rbve gvt dv qkz¾vgvb 3 9 Rbve jwzd i ingvb 3 10 wgm cvifxb gvngy` 3 11 Rbve AvwRRyi iwk` (Aemi MªnY K ib 2011 mv ji deª qvix gv m) 1 12 Rbve gvnv g` bvrgyj nv mb 4 AwWU KwgwU mfvmg n G mg q 3 evi mfv AbywôZ nq wj Û MÖæ ci Møvevj wer bm K Ȫvjm-Gi cöavb wzbwu mfv Z AskMªnY K ib m`m e `i bvgt Dcw wzi msl v 1 Rbve AvBq~e Kv`wi- mfvcwz ( ^Zš cwipvjk- c`z vm K ib 2011 mv ji g gv m) 1 2 wgm cvifxb gvngy`- mfvcwz ( ^Zš cwipvjk-rbve AvBq~e Kv`ix -Gi j mfvcwz wn m e 2011 mv ji g gv m hvm`vb K ib) 2 3 Rbve jx eb wnqvb- cwipvjk, K c v iu Bb fói n Z g bvwbz 3 4 Rbve we bv` cvuiqvix- cwipvjk, K c v iu Bb fói n Z g bvwbz - 5 Rbve jwzd i ingvb ( ^Zš cwipvjk) 1

wj Û evsjv `k wjwg UW evwl K cöwz e`b 2011 081 cwiwkó 4 wmwkdwiwur G vû G PÄ Kwgk bi weáwß # SEC/CMRRCD/2006-158/GWwgb/02-08 ZvwiL 20 k deª qvix, 2006 Abyhvqx cwicvjbxq welq wj kz cwicvjbxq bs bvg Ae v 1.1 evw m` m i msl vt evw m` m i msl v 5 (cuvp) R bi Kg bq Ges 20 (wek) R bi ekx bq cvwjz n q Q 1.2 (i) ^Zš cwipvjkt 10 R bi g a Kgc 1 (GKRb) Rb cvwjz n q Q 1.2 (ii) wbe vwpz cwipvjk `i Øviv ^Zš cwipvj Ki wb qvm`vb cvwjz n q Q 1.3 Avjv`v Avjv`v fv e ev W i mfvcwz Ges cöavb wbe vnxi `vq`vwqz I f wgkv cwi Kvifv e wjwlz n Z n e cvwjz n q Q 1.4 cwipvjkgûjxi cöwz e` b kqvi nvìvi `i welqt K) Avw_ K cöwz e` bi PQZv cvwjz n q Q L) mwvk wnmvei Y eb qi cwicvjb cvwjz n q Q M) mwvk wnmve eb qi cwjwmi g j vbygv bi Aej b cvwjz n q Q N) Av ZR vwzk cª hvr wnmv ei gvb (AvBGGm) Abyhvqx cwicvjbxq cvwjz n q Q O) mwvk Af ZixY wbq ÎY e e v cvwjz n q Q P) mvg _ i mv _ e emv qi Pjgvbaviv ervq ivlv cvwjz n q Q Q) MZeQ ii D jøl hvm Py wz cvwjz n q Q R) MZ wzb eq ii Z_ Dc vcb cvwjz n q Q S) jf vsk NvlYv cö hvr b n T) evw mfvmg ni weeiy cvwjz n q Q U) kqvi nvwìs c vuvb cvwjz n q Q 2.1 cöavb dvbbvýwmqvj Awdmvi, Af ZixY AwWU cöavb Ges Kv úvbx mwpe cö Z Ki Avjv`v Avjv`v fv e `vq`vwqz I f wgkv cwi Kvifv e wjwlz n Z n e cvwjz n q Qt cöavb dvbbvýwmqvj Awdmvi Ges Kv úvbx mwpe GKB e w³ wb qvm`vb c q Qb 2.2 cöavb dvbbvýwmqvj Awdmvi Ges Kv úvbx mwpe-gi cwipvjke `i mfvq hvm`vb cvwjz n q Q 3.0 AwWU KwgwU cvwjz n q Q 3.1 (i) KwgwUi MVY cvwjz n q Q (ii) ev Wi m`m I GKRb ^Zš cwipvj Ki gva g KwgwUi MVY cvwjz n q Q (iii) KwgwU Z AvKw gk m` m i k b c` c iy Kiv cvwjz n q Q 3.2 (i) KwgwUi mfvcwz cvwjz n q Q (ii) KwgwUi mfvcwzi ckvmz hvm Zv Ges AwfÁZv cvwjz n q Q 3.3.1 (i) evw m`m `i Kv Q cöwz e`b ck Kiv cvwjz n q Q (ii) K) evw m`m `i Kv Q Kbwd ± Ad BÈv ió cöwz e`b ck Kiv cö hvr b n (ii) L) evw m`m `i Kv Q h Kvb RuvwjqvwZ ev Awbqg welqk cªwz e`b ck Kiv cö hvr b n (ii) M) evw m`m `i Kv Q AvBb fsm welqk cöwz e`b ck Kiv cö hvr b n (ii) N) evw m`m `i Kv Q Ab vb h Kvb welqk cöwz e`b ck Kiv cvwjz n q Q 3.3.2 Kwgk bi hvm wel q cöwz e`b ck Kiv cö hvr b n 3.4 kqvi nvìvi Ges mvaviy wewb qvmkvix `i Dci cöwz e`b ck Kiv cö hvr b n 4.0 ewnt /mswewae wbix Ke ` (i) GcÖvBRvj ev g j vq b m ú ³Zv bv _vkv cvwjz n q Q (ii) Avw_ K Z_ ˆZwi wel q m ú ³Zv bv _vkv cvwjz n q Q (iii) wnmvei Y ˆZwi wel q m ú ³Zv bv _vkv cvwjz n q Q (iv) eªvkvi/wwjvi mvwf mi mwnz m ú ³Zv bv _vkv cvwjz n q Q (v) GKPywiqvj mvwf mi mwnz m ú ³Zv bv _vkv cvwjz n q Q (vi) Af ZixY AwWU wel q m ú ³Zv bv _vkv cvwjz n q Q (vii) Ab vb h Kvb mvwf mi mwnz m ú ³Zv bv _vkv cvwjz n q Q

082 wj Û evsjv `k wjwg UW evwl K cöwz e`b 2011 kqvi nvìvi `i cöwz AwWUi `i cöwz e`b f~wgkv Avgiv GZ`m ½ hy³ wj Û evsjv `k wjwg UW-Gi (Gici Ô Kv úvwbõ bv gi AwfwnZ) Avw_ K weeiyxmg~n wbix v K iwq Avw_ K weeiyx jvi g a i q Qt 31 ww m ^i 2011 ZvwiL ch ší Kv úvwbi Avw_ K Ae v weeiyx, Ges mb Zvwi L mgvß eq ii Kgwcª nbwmf Avq weeiyx, BKz BwU cwiez b weeiyx Ges bm` A_ cöevn weeiyx cöwz e` b Av iv mwbœ ewkz n q Q GB cöwz e`b cöyq b Abym Z D jøl hvm wnmvei Y bxwzmg~ ni GKwU msw ß weeiy, Ab vb e vl vg~jk UxKv Ges wj Û evsjv `k wjwg UW I Gi mvewmwwqvwii mkj m úk hy³ Avw_ K weeiyxmg~ ni GKwÎZ iƒc (related consolidated financial statements) Avw_ K weeiyx cöyq b e e vcbv KZ c i `vwqz evsjv `k Avw_ K cöwz e`b cöyqb msµvší gvbmg~n (Bangladesh Financial Reporting Standards ev ms c BFRS), Kv úvwb AvBb 1994, wmwkdwiwur I G PÄ wewagvjv 1987 (Securities and Exchange Rules 1987) Ges Ab vb cö hvr AvBb I cöweavb Abymi Y Kv úvwbi Avw_ K weeiyxmg~n ˆZwi Kiv Ges m jv wbi c fv e Dc vcb Kivi `vwqz Kv úvwbi e e vcbv KZ c i e e vcbv KZ c i GB `vwq Z i g a i q Q t cözviyv ev fy ji Kvi Y m ó Kv bv gšwjk åvší Z_ (material misstatement) _ K gy³ Avw_ K weeiyx cöyqb Ges wbi c fv e Dc vc bi Rb cö qvrbxq Af šíixy wbqš Y e e v cöyqb, ev Íevqb I msi Y; h_vh_ wnmvei Y bxwzmg~n wbe vpb I cö qvm; Ges cwiw wz Abymv i hyw³m½z wnmvei Yg~jK cöv jb cöyqb wbix K `i `vwqz Avgv `i `vwqz n jv wbix vi gva g Kv úvwbi Dc iv³ Avw_ K weeiyxmg~n m ú K Avgv `i gzvgz cö`vb Kiv Avgiv evsjv `k wbix vkg cwipvjbv gvbmg~n (Bangladesh Standards on Auditing ev ms c BSA) Abymi Y Avgv `i wbix v KvR m úbœ K iwq GBme gvb Abyhvqx Avgv `i K mswk ó ˆbwZK kz mg~n cwicvjb Ki Z nq Ges D³ Avw_ K weeiyxmg~ n Kv bv gšwjk åvší Z_ i q Q wk bv mb g g hyw³m½z wbðqzv cviqvi j Avgv `i K wbix v KvR cwikíbv Ges m úv`b Ki Z nq Avgiv wek vm Kwi, Kv úvwbi Avw_ K weeiyxmg~n wbix vi Rb hme cögvyvw` Avgiv c qwq m jv Avgv `i cö`ë wbix v gzvg Zi wfwë MV b h _ó I h_v_ gzvgz Avgv `i g Z, evsjv `k Avw_ K gvb Abyhvqx cöwz e`bmg~n (BFRS) cö ZK Z Avw_ K weeiyxmg~n Ges Kbmwj W UW Avw_ K weeiyxmg~n 2011 mv ji 31 k ww m ^i Aewa Ges m mg qi g a mgvß eq ii Kv úvbxi Kvh µg I bm` cöev ni djvd ji Av jv K cövß Kv úvbx Ges Bnvi mvewmwwqvixi welqk Ae vi GKwU mz Ges wbi c cöwz e`b Ges GB weeiyx Kv úvbx AvBb 1994, wmwkdwiwur GÛ G PÄ bxwz 1987 Ges cö hvr Ab vb AvBb I wewa gvzv ek cö Z Kiv n q Q Avgv `i cöwz e` b Av iv D jøl KiwQ h, 1. Avgv `i m e v P Ávb I wek vm Abyhvqx Avgv `i wbix vkv h i R b h mg Z_ vw` I e vl vmg~n Avek K wqj, Avgiv m jv cy ivcywi c qwq Ges m jvi mz Zv hvpvb K i ` LwQ 2. Avgv `i g Z, AvBb Abyhvqx h mg cö qvrbxq wnmvei YKv h e eüz eb Kv úvbxi Bnvi mvewmwwqvixi _vkv Avek K, Avgv `i cix vq `Lv wm q Q h, m jvi meb Kv úvbxi i q Q 3. cöwz e` b cökvwkz Kv úvbxi Avw_ K Ae vi weeiy (e vjvýwku) Ges Kgwcª nbwmf Av qi weeiy (jvf I jvkmvb)-gi weeiy, wnmve I weeiyx eb-gi mv _ mvgäm c~y ; Ges 4. h A_ e q Kiv n q Q, Zv Kv úvbxi Ges Bnvi mvewmwwqvix e emv qi D Ï k B Kiv n q Q XvKv, 08 gvp 2012 ingvb ingvb nk PvU vw GKvD U v Um Kv bv Avw_ K weeiyx wbix v Kivi Kv R, mb weeiyx Z A _ i hme cwigvy D jøwlz _v K Ges hme Z_ cökvwkz nq m jv wbix v K i `Lvi Rb Avek K cögvyvw` c Z cövmw½k wewfbœ Kvh c wz AbymiY Ki Z nq wbix vq Kvb Kvb Kvh c wz AbymiY Kiv n e Zvi wbe vpb wbf i K i wbix K `i we epbvi Dci Ges, mb mv _, Avw_ K weeiyx Z cözviyv wksev fy ji Kvi Y m ó Kv bv gšwjk åvší Z_ _vkvi Su ywk g~j vq bi Dci GB Su ywk g~j vqb Ki Z wm q Avgiv cöwzôv bi Avw_ K weeiyx cöyqb Ges wbi c fv e Dc vc bi Rb e eüz Af šíixy wbqš Y e e v K we epbvq bb hv Z K i cwiw wz Abymv i Avgiv h_vh_ wbix v c wz cöyqb Ki Z cvwi; D jøl, cöwzôv bi Af šíixy wbqš Y e e v KZUv Kvh Ki m wel q Avgv `i gzvgz cökv ki Rb Avgiv Zv we epbvq bb bv cöwzôvb hme wnmvei Y bxwz AbymiY K i m jvi h_v_ Zv Ges cöwzôv bi e e vcbv KZ c hme wnmvei Yg~jK cöv jb cöyqb K i m jvi hyw³mövn Zv g~j vqbi wbix v Kv Ri AšÍf y³ mb mv _, wbix vq Avw_ K weeiyxmg~ ni mvwe K Dc vcbi g~j vqb Kiv nq

wj Û evsjv `k wjwg UW evwl K cöwz e`b 2011 083 Avw_ K Ae vi weeiy 31 k ww m ^i Zvwi Li 2011 2010 UxKv UvKv' 000 UvKv' 000 m úwëmg~n h m úwëmg~n PjwZ b nt m úwë, cø vè Ges miävg 5 1,238,834 1,043,552 A vqx m úwëmg~n 6 3,676 4,766 mvewmwwqvix Kv úvbx Z wewb qvm 7 20 20 gvu h m úwëmg~n PjwZ b n 1,242,530 1,048,338 PjwZ m úwëmg~nt gry` mvgmöx 8 657,315 361,478 evwywr K `bv`vimg~n 9 186,593 200,103 AwMÖg, Rgv Ges AvMvg cwi kva 10 134,486 117,641 bm` Ges bm` mgzzj mg~n 11 779,306 1,074,414 gvu PjwZ m úwëmg~n 1,757,700 1,753,636 gvu m úwëmg~n 3,000,230 2,801,974 BKz BwU I `vqmgyn kqvi nvìvi `i BKz BwUt kqvi g~jab 12 152,183 152,183 cybtg~j vqb eve` msi Y 20,174 20,174 mvaviy msiw Z Znwej 13 1,993,048 1,823,141 gvu BKz BwU 2,165,405 1,995,498 h `vqmg~n PjwZ b nt Kg Pvix `i Kj vy myweavw` 14 85,538 114,392 wejw ^Z Ki `vqmg~n 15 92,976 64,939 Ab vb h `vqmg~n PjwZ b n 16 173,364 165,646 gvu h `vqmg~n PjwZ b n 351,878 344,977 PjwZ `vqmg~nt evwywr K cvibv`vi 17 68,790 59,360 LiP eve` cvibv`vi Ges cö `q LiP 18 210,157 206,801 wewea cvibv`vi 19 115,111 55,237 Ki eivï (bxu AvMvg Ki cwi kva) 20 88,889 140,101 gvu PjwZ `vqmg~n 482,947 461,499 gvu `vqmg~n 834,825 806,476 gvu BKz BwU Ges `vqmg~n 3,000,230 2,801,974 1-40 ch š ms hvwrz UxKvmg~n Avw_ K weeiyxi Awe PQ` Ask XvKv, 08 gvp 2012 GKB Zvwi L Avgv `i cöwz e`b Abyhvqx AvBqye Kv`wi mfvcwz Bidvb Gm gwzb e e vcbv cwipvjk Gg bvrgyj nv mb Kv úvbx mwpe ingvb ingvb nk PvU vw GKvD U v Um

084 wj Û evsjv `k wjwg UW evwl K cöwz e`b 2011 Kgwcª nbwmf Av qi weeiy 2011 mv ji 31 k ww m ^i Zvwi L mgvß eq ii 2011 2010 UvKv UvKv' 000 UvKv' 000 iwfwbd 21 3,729,754 3,199,375 wewµz c Y i LiP 22 (2,279,806) (1,857,531) gvu gybvdv 1,449,948 1,341,844 cwipvjbv e q 23 (582,415) (520,141) cwipvjbvmg~n n Z gybvdv 867,533 821,703 Ab vb eve` Avq 24 2,027 17,602 my` eve` Avq, bxu 25 70,576 63,951 Ki eivï c~e gybvdv 940,136 903,256 Ki eivï 26 (258,621) (235,188) G eq ii bxu gybvdv 681,515 668,068 Ab vb Kgwcª nbwmf Avqt wba vwiz Kj vb cø vbmgy n GKPzqvwiqvj Avq/( wz) 14.1.4 21,032 (13,466) G eq ii Ab vb Kgwcª nbwmf Avq/( wz) 21,032 (13,466) G eq ii gvu Kgwcª nbwmf Avq 702,547 654,602 kqvicöwz Avqt kqvicöwz gšwjk Avq (UvKv 10/=) 27.1 44.78 43.90 1-40 ch š ms hvwrz UxKvmg~n Avw_ K weeiyxi Awe Q` Ask XvKv, 08 gvp 2012 GKB Zvwi L Avgv `i cöwz e`b Abyhvqx AvBqye Kv`wi mfvcwz Bidvb Gm gwzb e e vcbv cwipvjk Gg bvrgyj nv mb Kv úvbx mwpe ingvb ingvb nk PvU vw GKvD U v Um

wj Û evsjv `k wjwg UW evwl K cöwz e`b 2011 085 BKy BwU cwiez bi weeiy 2011 mv ji 31 k ww m ^i Zvwi L mgvß eq ii kqvi g jab c~btg~j vqb LvZ msiw Z Znwej gvu UvKv' 000 UvKv' 000 UvKv' 000 UvKv' 000 1jv Rvbyqvix 2010-Gi DØ Ë 152,183 20,174 1,666,177 1,838,534 jf vsk cö`vb - - (497,638) (497,638) G eq ii gvu Kgwcª nbwmf Avqt G eq ii gybvdv - - 668,068 668,068 Ab vb Kgwcª nbwmf Avq/( wz) - - (13,466) (13,466) 31 k ww m ^i 2010-Gi DØ Ë 152,183 20,174 1,823,141 1,995,498 jf vsk cö`vb - - (532,640) (532,640) G eq ii gvu Kgwcª nbwmf Avqt G eq ii gybvdv - - 681,515 681,515 Ab vb Kgwcª nbwmf Avq/( wz) - - 21,032 21,032 31 k ww m ^i 2011-Gi DØ Ë 152,183 20,174 1,993,048 2,165,405

086 wj Û evsjv `k wjwg UW evwl K cöwz e`b 2011 bm` A_ cöev ni weeiy 2011 mv ji 31 k ww m ^i Zvwi L mgvß eq ii 2011 2010 UxKv UvKv' 000 UvKv' 000 cwipvjbv Kg KvÛ _ K bm` cöevn weµq n Z MÖnY 3,743,264 3,153,681 Ab vb MÖnY/(cÖ`vb) 17,999 (3,216) gvjvgvj, mev Ges cwipvjbv e q mieiv ni Rb cö`vb (3,020,526) (2,299,698) bxu my` MÖnY 67,151 71,729 AvqKi cö`vb 20 (281,796) (230,822) 526,092 691,674 wewb qvm Kg KvÛ _ K bm` cöevn * m úwë, cø v U Ges miävg GKxfyZ eve` cö`vb (319,895) (260,408) GKxfyZ A vqx m úwëmg~ ni cö`vb 6 (521) (498) m úwë, cø v U Ges miävg weµqjä UvKv 32 4,456 24,424 (315,960) (236,482) Avw_ K Kg KvÛ _ K bm` cöevn mvewmwwqvix Kv úvbx K cö`vb (43) (15) jf vsk cö`vb (505,197) (497,638) (505,240) (497,653) Av jvp eq i bxu bm` e w (295,108) (42,461) cöviw K bm` Ges bm` mgzzj mgyn 1,074,414 1,116,875 mgvcbx bm` Ae v Ges bm` mgzzj mgyn 11 779,306 1,074,414 * m úwë, cø v U Ges miävg GKxfyZ eve` cö`vb PjwZ eq i ms hvrb 5 793,793 352,451 wbg vyvaxb e q g~jab n Z vbvšíi 5.1 (464,168) (92,043) gyjabx wel q fûi `i K cö`vb 19 (9,730) - 319,895 260,408

wj Û evsjv `k wjwg UW evwl K cöwz e`b 2011 087 Kbmwj W UW Avw_ K Ae vi weeiy 2011 mv ji 31 k ww m ^i Zvwi Li 2011 2010 UxKv UvKv' 000 UvKv' 000 m úwëmg~n h m úwëmg~n PjwZ b nt m úwë, cø vè Ges miävg 5 1,238,834 1,043,552 A vqx m úwëmg~n 6 3,676 4,766 gvu h m úwëmg~n PjwZ b n 1,242,510 1,048,318 PjwZ m úwëmg~nt gry` mvgmöx 8 657,315 361,478 evwywr K `bv`vimg~n 9 186,593 200,103 AwMÖg, Rgv Ges AvMvg cwi kva 10 134,486 117,641 bm` Ges bm` mgzzj mg~n 11(G) 779,304 1,074,412 gvu PjwZ m úwëmg~n 1,757,698 1,753,634 gvu m úwëmg~n 3,000,208 2,801,952 BKz BwU I `vqmgyn kqvi nvìvi `i BKz BwUt kqvi g~jab 12 152,183 152,183 cybtg~j vqb eve` msi Y 20,174 20,174 mvaviy msiw Z Znwej 13(G) 1,993,524 1,823,654 gvu BKz BwU 2,165,881 1,996,011 h `vqmg~n PjwZ b nt Kg Pvix `i Kj vb myweavw` 14 85,538 114,392 wejw ^Z Ki `vqmg~n 15 92,976 64,939 Ab vb h `vqmg~n PjwZ b n 16 173,364 165,646 gvu h `vqmg~n PjwZ b n 351,878 344,977 PjwZ `vqmg~nt evwywr K cvibv`vi 17 68,790 59,360 LiP eve` cvibv`vi Ges cö `q LiP 18(G) 209,654 206,261 wewea cvibv`vi 19 115,111 55,237 Ki eivï (bxu AvMvg Ki cwi kva) 20(G) 88,894 140,106 gvu PjwZ `vqmg~n 482,449 460,964 gvu `vqmg~n 834,327 805,941 gvu BKz BwU Ges `vqmg~n 3,000,208 2,801,952 1-40 ch š ms hvwrz UxKvmg~n Avw_ K weeiyxi Awe Q` Ask XvKv, 08 gvp 2012 GKB Zvwi L Avgv `i cöwz e`b Abyhvqx AvBqye Kv`wi mfvcwz Bidvb Gm gwzb e e vcbv cwipvjk Gg bvrgyj nv mb Kv úvbx mwpe ingvb ingvb nk PvU vw GKvD U v Um

088 wj Û evsjv `k wjwg UW evwl K cöwz e`b 2011 Kbmwj W UW Kgwcª nbwmf Av qi weeiy 2011 mv ji 31 k ww m ^i Zvwi L mgvß eq ii 2011 2010 UxKv UvKv' 000 UvKv' 000 iwfwbd 21 3,729,754 3,199,375 wewµz c Y i LiP 22 (2,279,806) (1,857,531) gvu gybvdv 1,449,948 1,341,844 cwipvjbv e q 23(G) (582,452) (520,185) cwipvjbvmg~n n Z gybvdv 867,496 821,659 Ab vb eve` Avq 24 2,027 17,602 my` eve` Avq, bxu 25 70,576 63,951 Ki eivï c~e gybvdv 940,099 903,212 Ki eivï 26 (258,621) (235,193) G eq ii bxu gybvdv 681,478 668,019 Ab vb Kgwcª nbwmf Avqt wba vwiz Kj vb cø vbmgy n GKPzqvwiqvj Avq/( wz) 14.1.4 21,032 (13,466) G eq ii Ab vb Kgwcª nbwmf Avq/( wz) 21,032 (13,466) G eq ii gvu Kgwcª nbwmf Avq 702,510 654,553 kqvicöwz Avqt kqvicöwz gšwjk Avq (UvKv 10/=) 27(G) 44.78 43.90 1-40 ch š ms hvwrz UxKvmg~n Avw_ K weeiyxi Awe Q` Ask XvKv, 08 gvp 2012 GKB Zvwi L Avgv `i cöwz e`b Abyhvqx AvBqye Kv`wi mfvcwz Bidvb Gm gwzb e e vcbv cwipvjk Gg bvrgyj nv mb Kv úvbx mwpe ingvb ingvb nk PvU vw GKvD U v Um

wj Û evsjv `k wjwg UW evwl K cöwz e`b 2011 089 Kbmwj W UW BKz BwU cwiez bi weeiy 2011 mv ji 31 k ww m ^i Zvwi L mgvß eq ii kqvi g jab c~btg~j vqb LvZ msiw Z Znwej gvu UvKv' 000 UvKv' 000 UvKv' 000 UvKv' 000 1jv Rvbyqvix 2010-Gi DØ Ë 152,183 20,174 1,666,739 1,839,096 jf vsk cö`vb - - (497,638) (497,638) G eq ii gvu Kgwcª nbwmf Avqt G eq ii gybvdv - - 668,019 668,019 Ab vb Kgwcª nbwmf Avq/( wz) - - (13,466) (13,466) 31 k ww m ^i 2010-Gi DØ Ë 152,183 20,174 1,823,654 1,996,011 jf vsk cö`vb - - (532,640) (532,640) G eq ii gvu Kgwcª nbwmf Avqt G eq ii gybvdv - - 681,478 681,478 Ab vb Kgwcª nbwmf Avq/( wz) - - 21,032 21,032 31 k ww m ^i 2011-Gi DØ Ë 152,183 20,174 1,993,524 2,165,881

090 wj Û evsjv `k wjwg UW evwl K cöwz e`b 2011 Kbmwj W UW bm` A_ cöev ni weeiy 2011 mv ji 31 k ww m ^i Zvwi L mgvß eq ii 2011 2010 UxKv UvKv' 000 UvKv' 000 cwipvjbv Kg KvÛ _ K bm` cöevn weµq n Z MÖnY 3,743,264 3,153,681 Ab vb MÖnY/(cÖ`vb) 17,999 (3,216) gvjvgvj, mev Ges cwipvjbv e q mieiv ni Rb cö`vb (3,020,569) (2,299,708) bxu my` MÖnY 67,151 71,729 AvqKi cö`vb 20(G) (281,796) (230,827) 526,049 691,659 wewb qvm Kg KvÛ _ K bm` cöevn * m úwë, cø v U Ges miävg GKxfyZ eve` cö`vb (319,895) (260,408) GKxfyZ A vqx m úwëmg~ ni cö`vb 6 (521) (498) m úwë, cø v U Ges miävg weµqjä UvKv 32 4,456 24,424 (315,960) (236,482) Avw_ K Kg KvÛ _ K bm` cöevn jf vsk cö`vb (505,197) (497,638) (505,197) (497,638) Av jvp eq i bxu bm` e w (295,108) (42,461) cöviw K bm` Ges bm` mgzzj mgyn 1,074,412 1,116,873 mgvcbx bm` Ae v Ges bm` mgzzj mgyn 11(G) 779,304 1,074,412 * m úwë, cø v U Ges miävg GKxfyZ eve` cö`vb PjwZ eq i ms hvrb 5 793,793 352,451 wbg vyvaxb e q g~jab n Z vbvšíi 5.1 (464,168) (92,043) gyjabx wel q fûi `i K cö`vb 19 (9,730) - 319,895 260,408

wj Û evsjv `k wjwg UW evwl K cöwz e`b 2011 091 wnmv ei UxKvmg~n 2011 mv ji 31 k ww m ^i Zvwi L mgvß eq ii 1. cöwz e`b cö`vbkvix cöwzôvb 1.1 Kv úvbxi cwiwpwz wj Û evsjv `k wjwg UW kqvi evrv ii ZvwjKvfy³ GKwU Kv úvbx Ges Kv úvbxr G v± 1913-Gi AvIZvq 1973 mv j evsjv ` k Kvh µg cwipvjbvi Rb Aš f ~³ nq 1976 mv j Kv úvbxwu kqvi evrv ii ZvwjKvfy³ GKwU cöwzôv b cwiyz nq Kv úvbxwu XvKv K G PÄ (DSE) I PÆMÖvg K G PÄ (CSE) Df qib kqvi evrv ii ZvwjKvfy³ GKwU cöwzôvb Gi wbeüxk Z Kvh vj qi wvkvbv n jv 285 ZRMuvI wkí GjvKv, XvKv-1208, evsjv `k ïi n ZB wj Û evsjv `k wjwg UW hy³iv R i ` weiwm MÖ c wjwg UW Gi GKwU mvewmwwqvix Kv úvbx Rvg vb Kv úvbx wj Û GwR (Linde AG) hy³iv R i ` weiwm MÖ c wjwg UW- Gi m ú~y g~ja bi AwaKvix 2011 mv ji 20 k b f ^i _ K M vevj cövmövg wn m e mkj wj Û Kv úvbx K wj Û eª vû- Gi AvIZvq Avmvi D Ï k weiwm evsjv `k wjwg UW- Gi bvg cwiez b K i wj Û evsjv `k wjwg UW Kiv n q Q iwróªvi Ae R q U K Kv úvbxr GÛ dvg - G Kv úvbxi bvg cwiez bi hvezxq Kvh µg bw_e Kiv n q Q 1.2 e emvi cök wz Kv úvbxi Kvh µ gi g a i q Q wkírvz I wpwkrmv, M vm, I qwìs miävgvw` I cy mg~n, G v bm _wmqv I mnvqk miävgvw` cö Z I mieivn Kiv wmwjûvi fvov I MÖvnK `i Kg j f vkzqvg Bbmy j UW Bfv cv iui vcb Kvh µg n ZI Kv úvbx Avq K i _v K 2. cö Zi wfwë 2.1 Abym Z wewai weeiy GB Avw_ K weeiyxmg~n (Kbmwj W UW Avw_ K Ae vi weeiymn) Pjgvb bxwz Abymi b wnmvei Y Kv h i evsjv `kx gvb Abyhvqx (BAS) Ges evsjv `k Avw_ K gvb Abyhvqx cöwz e`bmg n (BFRS), Ges GB weeiyx Kv úvbxi AvBb 1994, wmwkdwiwur GÛ G PÄ bxwz 1987 Ges evsjv `ki cö hvr Ab vb AvBb gvzv ek cö Z Kiv n q Q 2.2 Avw_ K weeiyxmg~ ni Aby gv` bi ZvwiL cwipvjke ` GB Avw_ K weeiyxmg~n kqvi nvìvi `i Rb 08 gvp 2012-G Aby gv`b `vb K ib 2.3 cwigv ci wfwë Pjgvb bxwz Abymi b GB Avw_ K weeiyxmg~n cö Z Kiv n q Q hvnv HwZnvwmK e q msµvš Kb fbkb Abyhvqx G Î cybtg~j vq b Aš f yw³i gva g Kvb Kvb m ú`, cø v U I miävgvw` Ges cbkb cø vb K mwvk g~j vq bi wfwë Z Kivi j Dc iv³ Kb fbk bi cwiewz Z aiy e envi Kiv n q Q 2.4 Avw_ K weeiyxi Dc vcb Ges e envwik gỳ ªv GB Avw_ K weeiyxmg~n Dc vcb Kiv n q Q evsjv `kxq gy`ªvq (UvKv) hvnv Kv úvbxi e envwik I Dc vcb DfqB gỳ ªvq ewb Z e vwzz GB Avw_ K weeiyxmg~ ni msl v wj wbkuzg nvrvi UvKvi wnmv ei AsK `Lv bv n q Q 2.5 AvbygvwbK wnmvevw` I we epbvmg~ ni (judgements) e envi Avw_ K weeiyxmg~n cö Zi j e e vcbv KZ c K wnmvei Y bxwzgvjv cö qv Mi cvkvcvwk m ú`, `vq, Avq I e qmg~ ni cöwz ew`z cwigvb K cöfvwez K i Ggb ai bi we epbv AvbygvwbK wnmve I aviyv K Kv R jvmv Z nq AvbygvwbK wnmvevw` Ges Zrm úwk Z aviyvmg~n HwZnvwmK AwfÁZv Ges Ab vb wewfbœ ai bi wbqvg Ki Dci wbf i K i h jv cwiw wzi wepv i hšw³k wnmv e aiv nq; 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094 wj Û evsjv `k wjwg UW evwl K cöwz e`b 2011 we epbv Kiv n q _v K G Î Kv úvwbi `vq n jv, Znwe ji kz Abyhvqx Kv úvwbi ez gvb I cöv³b Kg Pvix `i K m Z Kj vy myweav cö`vb Kiv msávwqz Kj vy myweav msµvší `vqmg~ ni ez gvb g~j gvb Ges cbkb cwikíbvi Aax b _vkv m ú`mg~ ni b vh g~j gvb ckv`vi A vkpzqvwi Øviv wba viy Kiv n q _v K cö R ±W BDwbU µwwu (wcbdwm) c wzi mvnv h msávwqz Kj vy myweav msµvší `vqmg~ ni Ges mswkøó ez gvb I AZxZ PvKzwi g~ j i (service cost) ez gvb g~j gvb cwigvc Kiv nq Ges G Î Kg Pvix `i RbwgwZK I Avw_ K PvjKmg~n (demographic and financial variables) cvi úwikfv e mgw_ Z / m½wzc~y cövmw½k A vkpzqvwiqvj c~e vbygvbmg~ ni (actuarial assumptions) wfwë Z wba viy Kiv n q _v K AemiKvjxb Kj vy myweav cwikíbvi Aax b _vkv m ú`mg~ ni b vh g~j gvb Ges G msµvší `vqmg~ ni ez gvb g~j gv bi e eavb K Avw_ K Ae vi weeiyx Z ev Íe Ae v Abymv i `vq ev m ú` wn m e cö`k b Kiv n q _v K h nv i PvKzwi ciez x Kj vy myweav msµvší `vqmg~n wwmkvd U Kiv nq Zv ( mb nvi) UªRvwi we ji Dci Avw_ K Ae v weeiyx ˆZwii Zvwi L we` gvb _vkv evrvi g~ j i (market yields) wbwi L wba vwiz nq evrvi cöz vkvi (market expectation) Dci wfwë K i cbkb cwikíbvi Aax b _vkv m ú`mg~ ni cöz vwkz gybvdv cwigvc Kiv nq mvgwmök Avq weeiyx Z cö`wk Z gvu e qi AšÍM Z Ask jv n Q, ez gvb PvKzwi eve` e q (current service cost), my` eve` e q Ges cbkb cwikíbvi Aax b _vkv m ú`mg~ ni Dci cöz vwkz gybvdv Kv úvwbi bxwz n jv, A vkpzqvwiqvj jvf ev jvkmvb NUvi ci Awej ^ Zv c~y v½fv e Ab vb Kgwcª nbwmf Av qi weeiyx Z cö`k b Kiv 3.12.3 ^í- gqv`x Kg Pvix `i Kj vb myweavw` ^í gqvw` Kg Pvix Kj vy myweav msµvší `vqmg~n K AvbwWmKvD UW wfwë Z cwigvc Kiv nq Ges mswkøó mev eve` e q wn m e `Lv bv nq mviv eq i Kg Pvix `i h QzwU Rgv nq Zv Zv `i fvm Kivi weavb _vk ji Zviv Zv MÖnY K ib bv cö Z K Kg Pvix `i me kl cövß g~j ezb I Ae eüz QzwUi wfwë Z GB fvzvi e e v Kiv nq 3.13 Avq welqk ^xk wz 3.13.1 cy mg~n weµq n Z cövß Avq 3.13.1.1 wewµz cy mg~n M nxz ev M nxze we epbvi wbi c g~j, wiuvy I fvzv I evwyr welqk wwmkvd Umg~ ni gvu cwigvb Abyhvqx cy vw`i weµq n Z Avq cwigvc Kiv nq Avq ^xk Z nq hlb µzvi wbku gvwjkvbv welqk i Z c~y SuywK Ges cövwßmg~n vbvšíwiz nq, we epbvmg~n cybi v ii m vebv _v K, c Y i mswk ó e q I m ve wiuvb wbf i hvm fv e AvbygvwbK wnmve Kiv hvq, c Y i Î Kvb Ae vnz e e vcbv welqk m ú ³Zv _v K bv Ges Av qi cwigvb wbf i hvm fv e cwigvc Kiv hvq mvaviyz cy ZvwjKvi cvkvcvwk c Y i mieiv ni mgq G jv mvwaz nq 3.13.1.2 weµq mieivn n Z bm` cövwß hlb we µzv KZ K cy Wwjfvix `qv nq Ges bm` A_ MÖnY Kiv nq, ZLb Avq ^xk Z nq 3.13.2 mevmg~n cö`ë mevmg~n n Z cövß Avq cöwz e`b cö`v bi Zvwi L jb `b mgvß niqvi ch vq Abycv Z KgwcÖ nbwmf Av qi weeiyx wb ` kk wnmv e ^xk Z nq wmwjûvi fvov bm` A _ i wfwë Z e vckfv e ^xk Z nq 3.13.3 Kwgkb hlb Kvb jb ` bi Î Kv úvbx wcöwýcvj bv n q eis GKwU G R U wn m e KvR K i, ZLb Kv úvbx KZ K M nxze Kwgk bi bxu cwigvy wn m e Avq ^xk Z nq 3.14 dvbb vý Avq I LiPmg~n dvbb vý welqk Avq ej Z wewb qvmk Z Znwej n Z cövß my` eve` Avq evsvq my` eve` Avq µgewa Âz wnmv ei wfwë Z ^xk Z nq dvbb vý welqk e q ej Z Ifvi WªvdURwbZ my` eve` e q, wdb vý jxr Ges e vsk PvR mg~n evsvq dvbb vý welqk mkj e q KgwcÖ nbwmf Av qi weeiyx welqk wnmv e ^xk Z nq 3.15 Avw_ K weeiyxmg~ ni Kbmwj Wkb evsjv `k Aw Rb wjwg UW wj Û evsjv `k wjwg UW Gi cy ivcywi AwaK Z GKwU mvewmwwqvix Kv úvbx wj Û evsjv `k wjwg UW mvewmwwqvix Kv úvbxi mëv K wbqš Y K i evsjv `k wnmvei Y bxwzgvjvi (BAS) 27bs (Kbmwj W UW Ges c _K Avw_ K weeiyxmg n) wewa Ab~hvqx mvewmwwqvix Kv úvbxi Avw_ K weeiyxmg n Kv úvbxi Avw_ K weeiyxi mv _ GKwÎZ Kiv n q Q AvšÍtMÖ c e v j Ým Ges AvšÍtMÖ c jb- `b n Z D ~Z An ÍvšÍwiZ Avq I e qmg~n GKÎxK Z Avw_ K weeiyx cö Zi Î m úyb fv e ev` `qv n q Q 3.16 kqvicªwz Avq Kv úvbx Zvi mvaviy kqv ii Rb kqvicªwz gšwjk Avq-Gi (EPS) WvUv Dc vcb K i Q 3.16.1 kqvicªwz gšwjk Avq mvavib kqvi nvìv `i AwR Z Avq ev jvkmvb (Ki ciez x bxu gybvdv) Ges G eq ii e Kqv I q UW Gfv ir mvaviy kqv ii msl vi mwnz wefvr bi gva g kqvicªwz gšwjk Avq (EPS) wba vwiz nq 3.17 bm` A_ cöev ni weeiy mivmwi wfwë Z cwipvjbv Kg KvÛ _ K bm` A_ cöevn Dc vwcz n q Q 3.18 cöwz e`b Zvwi Li ciez x B f Umg~n cöwz e`b Zvwi Li ciez x B f Umg~n, hv cöwz e`b Zvwi L Kv úvbxi Ae v m ^ Ü evowz Z_ cö`vb K i, mb B f Umg~n Avw_ K weeiyxmg~ n cöwzdwjz n q Q cöwz e`b Zvwi Li ciez x g v Uwiqvj B f Umg~n, h jv G vwrvw s B f U bq, m wj cökvk Kiv n q Q hv UxKv 40-G `Lv bv n q Q 4. Avw_ K SuywK e e vcbv Kv úvwbi SuywK e e vcbv KvVv gv cöwzôv I `Lv kvbv Kivi mvwe K `vq-`vwqz Kv úvwbi e e vcbv KZ c i Dci ez vq Kv úvwbi SuywK e e vcbv bxwzgvjv MVb Kiv nq hv Z Kv úvwbi hme SuywKi gy LvgywL nq m jv kbv³ Kiv I we køly Kiv hvq, h_vh_ SuywKi mxgv I wbqš Y c wz wba viy Kiv hvq Ges SuywK cwiex Y Kiv I SuywKi mxgv g b Pjv hvq evrvi cwiw wz I Kv úvwb Kvh µ gi cwiez b Zz j aivi j SuywK e e vcbv bxwzgvjv I c wzmg~n wbqwgzfv e ch v jvpbv Kiv nq Avw_ K `wjjvw` e envi nzz Kv úvwbi wb gœv³ SuywKmg~ ni gy L covi m vebv i q Q t evkx Z wewµi SuywK (credit risk) Zvij SuywK (liquidity risk) evrvi SuywK (market risk) GB UxKv Z hme Z_ Dc vcb Kiv n q Q m jv n jv t Kv úvwbi Dc iv³ cöwzwu Su ywki gy L cov msµvší Z_ ; Su ywk cwigvc I e e vcbvi Rb Kv úvwbi hme D Ïk, bxwz I Kg -cöwµqv i q Q m jv m úwk Z Z_ ; Ges Kv úvwbi g~jab e e vcbv msµvší Z_

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Z e GB e qi g a c~ e hyw³m½zfv e Abygvb Kiv hvq bv Ggb Pig cwiw wz hgb cövk wzk `y h v Mi Kvi Y D ~Z AwZwi³ e qi Rb A_ AšÍf y³ _v K bv Z`ycwi, Avek K cvibv cwi kv a Kv úvwbi wbku h _ó bm` A_ bv _vkvi Î `vqmg~ ni A_ cwi kva wbwðz Ki Z wj Û MÖ c Zdwkwj evwywr K e vs Ki mv _ ^í gqvw` FY MÖnY myweav (Short Term Lines of Credit) ervq ivl Z Pvq (UxKv 11.1) 4.3 evrvi SuywK (market risk) evrvi cwiw wz Z h Kv bv cwiez b NUvi Kvi Y, hgb ˆe `wkk gy`ªv wewbgq nv i, my `i nv i I cy mvgmöxi g~ j cwiez b NUvi Kvi Y Kv úvwbi Avq K g hviqvi ev Kv úvwbi Avw_ K `wjjvw`i nvwìs _ K cvibv A _ i g~j gvb K g hviqvi h SuywK `Lv `q Zv-B evrvi Su ywk Kv úvwbi evrvi Su ywk e e vcbvi D Ïk n jv, Kv úvwbi evrvi SuywKMÖ ÍZv e e vcbv I MÖnY hvm gvîvq wbqš Y Kiv, Ges mb mv _ Kv úvwbi wewb qvm _ K m e vëg gybvdv AR b wbwðz Kiv K) gy`ªv msµvš SuywK (currency risk) Kv úvwbi hme Avq I µq ˆe `wkk gy`ªvq jb `b n q _v K m jvi Î Kv úvwb gy`ªv msµvší SuywKi wkkvi n Z cv i Kv úvwbi ˆe `wkk gy`ªvq jb `b niqv ewki fvm Kvh µg P j Av gwikvb Wjvi (USD), BD iv, wm½vcywi Wjvi (SGD) I MÖU weª U bi cvd Û (GBP) Ges ˆe `wkk gy`ªvq jb `bk Z Kv úvwbi ewki fvm Kvh µg we `k _ K KuvPvgvj I g~jawb DcKiY msmö ni mv _ m úwk Z wkqz wkqz mevi ÎI Kv úvwb K e `wkk gy`ªvq jb `b Ki Z nq G Qvov, Kv úvwb cy I mevi ißvwb I AbywgZ ißvwb _ KI ˆe `wkk gy`ªv Avq K i _v K gy`ªv msµvší SuywK e e vcbvi Ask wn m e, Kv úvwb ˆe `wkk gy`ªvq jb `b n e Zvi Ggb me Avmbœ µqmg~ ni Î wewfbœ e vs Ki mv _ ÔForward ContractÕ Pzw³ Z Ave nq, hv Z K i Kv úvwbi gy`ªv msµvší SuywKMÖ ÍZv K MÖnY hvm wbgœ gvîvq ivlv wbwðz Kiv hvq L) my `i nvi msµvš SuywK (interest rate risk) my `i nv i cwiez b NUvi Kvi Y h Su ywk m wó nq Zv KB ejv nq my `i nvi msµvší Su ywk (interest rate risk) my `i nvi evov ev Kgvi Kvi Y Kv úvwbi ˆe `wkk gỳ ªv mswkøó `vqmg~ n Kv bv D jøl hvm bwzevpk cöfve c o bv cöwz e` bi ZvwiL ch ší mg q Kv úvwb derivative `wjj wfwëk Kv bv Pzw³ Z Ave nqwb M) cy g~j msµvš SuywK (commodity risk) c Y i g~j IVvbvgv Kivi Kvi Y ( Kv úvwbi m ú` I c Y i) fwel r evrvi g~j gvb Ges Kv úvwbi fwel r Av qi cwigvy ev AvKvi wb q h AwbðqZv ˆZwi nq Zv K ejv nq cy g~j msµvší SuywK (commodity risk) h nzz Kv úvwb Drcv` b e env ii Rb GgGm Zvi, eø ÛW cvdwvi, K vjwmqvg Kve vbw I Ab vb KuvPvgvj µq K i _v K ZvB Gme DcKiY µq Kivi d j Kv úvwb cy g~j msµvší SuywKi gy L c o mieivnkvix `i mv _ Ômieivn Pzw³Õi (supply contract) gva g cy g~j msµvší SuywK e e vcbv Kiv n q _v K 4.4 g~jab e e vcbv Kv úvwbi Kvh µg K GKwU mpj Kvh µg wn m e ervq ivlv wbwðz Ki Z Kv úvwbi h ch vß cwigvy Af šíixy g~jab _vkv Avek K Zv wbiƒcy Kivi gva g mb gvzv ek Kv úvwbi Rb h _ó cwigv Y g~jab ervq ivlvi j wewfbœ bxwz I c` ci ev ZevqbB n jv g~jab e e vcbv kqvi g~jab, mvaviy msiw Z Znwej I c~bg ~j vwqz msiw Z Znwe ji mgš^ q Kv úvwbi g~jab MwVZ wba vwiz gvîvi PvB Z D PZi As Ki g~ja bi Î, mkj eo ai bi wewb qvm I cwipvjb wm vší evw KZ K g~j vwqz I Aby gvw`z n Z nq mvaviy kqvi nvìvimy K h jf vsk cö`vb Kiv nq cwipvjkgìjx Zvi gvîvi cwiex Y K i _v Kb

096 wj Û evsjv `k wjwg UW evwl K cöwz e`b 2011 5. m úwë, cø v U Ges miävg K) µq g~j 2011 1jv Rvbyqvix 2011 G g~j PjwZ eq ii ms hvrb PjwZ eq ii weµq/ n vš i µq g~j AePq LiP 31 k PjwZ 31 k ww m ^i eq ii ww m ^i 2011 1jv PjwZ weµq/ 2011 G g~j Rvbyqvix eq ii n vš i G g~j 2011 AePq 31 k ww m ^i 2011 Zvwi Li AePq ev ` c btg j vq bi g~j weeiy UvKv'000 UvKv'000 UvKv'000 UvKv'000 UvKv'000 UvKv'000 UvKv'000 UvKv'000 UvKv'000 jv LivR f wg 30,511 7,390-37,901 - - - - 37,901 jv LivR `vjvb 161,842 101,678-263,520 41,259 5,840-47,099 216,421 BRvivK Z `vjvb 112,538 6,812-119,350 28,969 3,240-32,209 87,141 cø v U, hš cvwz Ges wmwjûvim& ( v imu vsk Ges f vkzqvg Bbmy j UW Bfv cv iuimn) 1,841,531 322,426 (77,782) 2,086,175 1,292,120 107,960 (76,666) 1,323,414 762,761 gvui Mvox 57,354 9,353 (7,241) 59,466 45,464 4,862 (6,069) 44,257 15,209 AvmevecÎ Ges mvrmiävg 65,757 5,225 (2,067) 68,915 48,965 4,650 (1,951) 51,664 17,251 Kw úduvi nvw Iq vi 38,702 11,284 (4,443) 45,543 24,854 4,816 (4,418) 25,252 20,291 2,308,235 464,168 (91,533) 2,680,870 1,481,631 131,368 (89,104) 1,523,895 1,156,975 wbg vyvaxb g~jabx e q (UxKv 5.1) 215,199 329,625 (464,168) 80,656 - - - - 80,656 mve- UvUvj (K) 2,523,434 793,793 (555,701) 2,761,526 1,481,631 131,368 (89,104) 1,523,895 1,237,631 2010 1jv Rvbyqvix 2010 G g~j PjwZ eq ii ms hvrb PjwZ eq ii weµq/ n vš i µq g~j AePq LiP 31 k PjwZ 31 k ww m ^i eq ii ww m ^i 2010 1jv PjwZ weµq/ 2010 G g~j Rvbyqvix eq ii n vš i G g~j 2010 AePq 31 k ww m ^i 2010 Zvwi Li AePq ev ` c btg j vq bi g~j weeiy UvKv'000 UvKv'000 UvKv'000 UvKv'000 UvKv'000 UvKv'000 UvKv'000 UvKv'000 UvKv'000 jv LivR f wg 29,967 544-30,511 - - - - 30,511 jv LivR `vjvb 157,913 3,929-161,842 37,016 4,243-41,259 120,583 BRvivK Z `vjvb 107,303 5,235-112,538 26,122 2,847-28,969 83,569 cø v U, hš cvwz Ges wmwjûvim& ( v imu vsk Ges f vkzqvg Bbmy j UW Bfv cv iuimn) 1,810,670 65,157 (34,296) 1,841,531 1,206,744 112,850 (27,474) 1,292,120 549,411 gvui Mvox 52,203 7,298 (2,147) 57,354 43,246 4,365 (2,147) 45,464 11,890 AvmevecÎ Ges mvrmiävg 64,373 3,606 (2,222) 65,757 46,850 4,337 (2,222) 48,965 16,792 Kw úduvi nvw Iq vi 47,933 6,274 (15,505) 38,702 36,829 3,530 (15,505) 24,854 13,848 2,270,362 92,043 (54,170) 2,308,235 1,396,807 132,172 (47,348) 1,481,631 826,604 wbg vyvaxb g~jabx e q (UxKv 5.1) 46,834 260,408 (92,043) 215,199 - - - - 215,199 mve- UvUvj (L) 2,317,196 352,451 (146,213) 2,523,434 1,396,807 132,172 (47,348) 1,481,631 1,041,803

wj Û evsjv `k wjwg UW evwl K cöwz e`b 2011 097 L) c btg j vqb 2011 1jv Rvbyqvix 2011 G g~j PjwZ eq ii ms hvrb PjwZ eq ii weµq/ n vš i c btg j vqb 31 k ww m ^i 2011 G g~j 1jv Rvbyqvix 2011 PjwZ eq ii AePq PjwZ eq ii weµq/ n vš i AePq LiP 31 k ww m ^i 2011 G g~j 31 k ww m ^i 2011 Zvwi Li AePq ev ` c btg j vq bi g~j weeiy UvKv'000 UvKv'000 UvKv'000 UvKv'000 UvKv'000 UvKv'000 UvKv'000 UvKv'000 UvKv'000 jv LivR f wg 147 - - 147 - - - - 147 jv LivR `vjvb 176 - - 176 100 11-111 65 BRvivK Z `vjvb 19,851 - - 19,851 18,325 536-18,861 990 mve- UvUvj (M) 20,174 - - 20,174 18,425 547-18,972 1,202 2010 1jv Rvbyqvix 2010 G g~j PjwZ eq ii ms hvrb PjwZ eq ii weµq/ n vš i c btg j vqb 31 k ww m ^i 2010 G g~j 1jv Rvbyqvix 2010 PjwZ eq ii AePq PjwZ eq ii weµq/ n vš i AePq LiP 31 k ww m ^i 2010 G g~j 31 k ww m ^i 2010 Zvwi Li AePq ev ` c btg j vq bi g~j weeiy UvKv'000 UvKv'000 UvKv'000 UvKv'000 UvKv'000 UvKv'000 UvKv'000 UvKv'000 UvKv'000 jv LivR f wg 147 - - 147 - - - - 147 jv LivR `vjvb 176 - - 176 89 11-100 76 BRvivK Z `vjvb 19,851 - - 19,851 17,739 586-18,325 1,526 mve- UvUvj (N) 20,174 - - 20,174 17,828 597-18,425 1,749 m úwë, cø v U Ges miävg Ges c btg~j vqb g~j t 31 k ww m ^i 2011 (K+M) 2,543,608 793,793 (555,701) 2,781,700 1,500,056 131,915 (89,104) 1,542,867 1,238,834 31 k ww m ^i 2010 (L+N) 2,337,370 352,451 (146,213) 2,543,608 1,414,635 132,769 (47,348) 1,500,056 1,043,552 UvKv'000

098 wj Û evsjv `k wjwg UW evwl K cöwz e`b 2011 5.1 wbg vyvaxb e q g~jab 1jv Rvbyqvix Gi DØ Ë 2011 PjwZ eq ii ms hvrb m úwë, cø v U Ges miävg n vš wiz 31 k ww m ^i Gi DØ Ë 2011 1jv Rvbyqvix Gi DØ Ë 2010 PjwZ eq ii ms hvrb m úwë, cø v U Ges miävg n vš wiz 31 k ww m ^i Gi DØ Ë 2010 UvKv'000 UvKv'000 UvKv'000 UvKv'000 UvKv'000 UvKv'000 UvKv'000 UvKv'000 jv LivR f wg, jv LivR `vjvb Ges BRvivK Z `vjvb 56,515 60,834 (115,880) 1,469 913 63,877 (8,275) 56,515 cø v U, hš cvwz, wmwjûvim& Ges gvui Mvox 158,684 246,318 (331,779) 73,223 45,921 186,651 (73,888) 158,684 AvmevecÎ Ges mvrmiävg - 9,074 (5,225) 3,849-3,606 (3,606) - Kw úduvi nvw Iq vi - 13,399 (11,284) 2,115-6,274 (6,274) - 215,199 329,625 (464,168) 80,656 46,834 260,408 (92,043) 215,199 5.2 G eq ii AePq e qi eivï 2011 2010 UvKv'000 UvKv'000 wewµz c Y i LiP (UxKv 21.1) 90,435 93,184 cwipvjbv e q (UxKv 22) 41,480 39,585 131,915 132,769 6. A vqx (intangible) m úwëmg~n 2011 1jv Rvbyqvix 2011 G g~j PjwZ eq ii ms hvrb PjwZ eq ii weµq/ n vš i µq g~j A gviuvb Rkb 31 k PjwZ 31 k ww m ^i eq ii ww m ^i 2011 1jv PjwZ weµq/ 2011 G g~j Rvbyqvix eq ii n vš i G g~j 2011 AePq 31 k ww m ^i 2011 Zvwi Li AePq ev ` c btg j vq bi g~j weeiy UvKv'000 UvKv'000 UvKv'000 UvKv'000 UvKv'000 UvKv'000 UvKv'000 UvKv'000 UvKv'000 BAviwc md&uiq vi 6,919 - - 6,919 5,157 365-5,522 1,397 Ab vb md&uiq vim&* 8,892 521-9,413 5,888 1,246-7,134 2,279 gvu 15,811 521-16,332 11,045 1,611-12,656 3,676 2010 1jv Rvbyqvix 2010 G g~j PjwZ eq ii ms hvrb PjwZ eq ii weµq/ n vš i µq g~j A gviuvb Rkb 31 k PjwZ 31 k ww m ^i eq ii ww m ^i 2010 1jv PjwZ weµq/ 2010 G g~j Rvbyqvix eq ii n vš i G g~j 2010 AePq 31 k ww m ^i 2010 Zvwi Li AePq ev ` c btg j vq bi g~j weeiy UvKv'000 UvKv'000 UvKv'000 UvKv'000 UvKv'000 UvKv'000 UvKv'000 UvKv'000 UvKv'000 BAviwc md&uiq vi 6,919 - - 6,919 4,792 365-5,157 1,762 Ab vb md&uiq vim&* 8,394 498-8,892 4,645 1,243-5,888 3,004 gvu 15,313 498-15,811 9,437 1,608-11,045 4,766 * mvf vi md&uiq vi Ges Ab vb Gwcø Kkb md&uiq vim& Ab vb md&uiq vim& Gi AšÍf ³

wj Û evsjv `k wjwg UW evwl K cöwz e`b 2011 099 7. mvewmwwqvix Kv úvbx Z wewb qvm GB wnmv e evsjv `k Aw Rb wjwg U Wi 199wU mvaviy kqvi ( gvu 200wU mvaviy Bm yk Z kqvi) cªwzwu 100/= UvKv K i Kv úvbxi bv g cöwzqgvb n q Q GB mvewmwwqvix Kv úvbxwu 31 k ww m ^i 2011 mgvß eq ii Uvt 36,575 jvkmvb K i (2010t Uvt 49,000) 2011 2010 UvKv'000 UvKv'000 8. grỳ mvgmöx KvuPvgvj 433,200 157,262 Drcbœ `ªe gry` 116,284 77,590 Pvjvb Aaxb gvjvgvj 35,532 55,486 i Yv e Yi Rb LyPiv hš cvwz 72,299 71,140 657,315 361,478 gry` mvgmöx AmsL AvB U gi Ges cwigv ci ŸwPÎ gq GKKmg~n wepv i AvB U gi wecix Z gry` mvgmöxi cwigvb cökvk Kiv `~iƒn e vcvi 9. evwywr K `bv`vi Qq gv mi AwaK mg qi Rb 81,972 81,701 Qq gv mi Kg mg qi Rb 122,757 130,639 204,729 212,340 m `nrbk `bv eve` eivï (UxKv 9.1) (18,136) (12,237) 186,593 200,103 9.1 hme Î `bv wba vwiz mgqmxgvi ci 90 w`b ev 180 w` bi g a cwi kva Kiv nqwb, Kv úvbxi bxwz Abyhvqx m jvi Î m `nrbk `bveve` h_vµ g 50% I 100% nv i A_ eiv Ïi e e v ivlv nq `bv Av`v qi e vcv i Av Mi m `nrbk `bveve` eivïk Z A_ n Z 2011 mv j UvKv 5,899 nvrvi Aegy³ Kiv n q Q 10. AwMÖg, Rgv Ges AvMvg cwi kva Kg Pvix `i K cö`ë FY I AwMÖg 39,052 41,448 mieivnkvix `i K cö`ë AwMÖg 7,492 7,992 ivrevix G UvicÖvBR K FY cö`vb 5,231 5,226 vqx Avgvb Zi Dci mwâz mzz` 18,950 13,645 Rgv Ges AvMvg cwi kva 29,130 22,724 PjwZ wnmv e g~j ms hvrb Ki 34,631 26,606 134,486 117,641 GB A_ mg n A½xKvie bq Ges we ewpz gvjvgvj GB AwMÖg, Rgv Ges AvMvg cwi kvamg ni g a Uvt 97,675 nvrvi (2010t Uvt 79,467 nvrvi) cöwz e`b ZvwiL n Z 12 gv mi g a Av`vq hvm 11. bm` I bm` mgzzj mg n bm` Znwej 1,044 826 e vs K Mw QZ 228,262 273,588 e vs K vqx Mw QZ 550,000 800,000 779,306 1,074,414 vqx Avgvb Zi gqv`kvj wzb gvm, wksev Kg, bzyev Zvi Av MI g v brg vè B Q Ki j fvs Z cv ib 11.1 µwwu myweavw` - 31 k ww m ^i Kv úvwbi µwwu myweavw` vûvw PvU vw e vsk wjt 580,000 580,000 wmwu e vsk Gb,G - 120,000 w` nsks mvsnvb e vswks K c vt wjt 350,000 150,000 930,000 850,000 11 G) Kbmwj W UW bm` I bm` mgzzj mg~n wj Û evsjv `k wjwg UW 779,306 1,074,414 evsjv `k Aw Rb wjwg UW (2) (2) 779,304 1,074,412

100 wj Û evsjv `k wjwg UW evwl K cöwz e`b 2011 2011 2010 UvKv'000 UvKv'000 12. kqvi g~jab Aby gvw`zt cöwzwu 10/= UvKv wnmv e 2,00,00,000 wu mvaviy kqvi 200,000 200,000 Bmy K Z, weµqk Z Ges g~j cwi kvwazt 3,616,902wU mvaviy kqvi cöwzwu 10/= UvKv wnmv e bm` eve` Bmy 36,169 36,169 9,99,498wU mvaviy kqvi cöwzwu 10/= UvKv wnmv e bm` A_ Qvov Bmy Kiv n q Q 9,995 9,995 10,601,880 wu mvaviy kqvi cöwzwu 10/= UvKv wnmv e evbvm wnmv e Bmy Kiv n q Q 106,019 106,019 152,183 152,183 kqvi nvwìsm-gi kzkiv wnmvet kzkiv nvi UvKv'000 2011 2010 2011 2010 w` weiwm MÖ c wjwg UW 60.0 60.0 91,310 91,310 evsjv `k wewb qvm ms v (AvB,wm,we) 16.4 16.1 25,005 24,575 evsjv `k W fvjc g U e vsk wjwg UW (wewwwegj) 1.1 1.1 1,715 1,715 mvaviy exgv K c v ikb (Gmwewm) 1.4 1.4 2,046 2,054 Ab vb kqvi nvìvimy 21.1 21.4 32,107 32,529 100.0 100.0 152,183 152,183 nvwìs Abyhvqx kqvi nvìvi `i kªyx wefvmt nvìvi `i msl v gvu kzkiv nvwìsm nvwìsm 2011 2010 2011 2010 500 kqv ii Kg 8,135 8,948 4.53 5.27 500 _ K 5,000 kqvi 525 810 4.11 6.41 5,001 _ K 10,000 kqvi 41 40 1.80 1.83 10,001 _ K 20,000 kqvi 27 28 2.61 2.67 20,001 _ K 30,000 kqvi 12 11 1.89 1.78 30,001 _ K 40,000 kqvi 6 7 1.36 1.58 40,001 _ K 50,000 kqvi 6 2 1.83 0.62 50,001 _ K 1,00,000 kqvi 5 6 2.19 2.74 1,00,001 _ K 10,00,000 kqvi 5 4 10.86 8.30 10,00,000 kqv ii Dc i 2 2 68.82 68.80 8,764 9,858 100.00 100.00 13. mvaviy msiw Z Znwej cªviw K w wz 1,823,141 1,666,177 PjwZ eq ii gybvdv 681,515 668,068 Ab vb Kgwcª nbwmf Avq/( jvkmvb) 21,032 (13,466) PzovšÍ jf vsk cö`vb (152,183) (117,181) AšÍe Z xkvjxb jf vsk cö`vb (380,457) (380,457) 1,993,048 1,823,141 13 G) Kbmwj W UW mvaviy msiw Z Znwej cöviw K w wz 1,823,654 1,666,739 PjwZ eq ii gybvdv 681,478 668,019 Ab vb Kgwcª nbwmf Avq/( jvkmvb) 21,032 (13,466) PzovšÍ jf vsk cö`vb (152,183) (117,181) AšÍe Z xkvjxb jf vsk cö`vb (380,457) (380,457) 1,993,524 1,823,654 14. Kg Pvix Kj vb cbkb Znwej (UxKv 14.1) - 27,538 MÖ vpzbwu xg (UxKv 14.2) 85,538 86,854 85,538 114,392

wj Û evsjv `k wjwg UW evwl K cöwz e`b 2011 101 14.1 cbkb Znwej we` gvb cbkb x gi cwie Z Kv úvwb GKwU bzzb Ggcøwq ewbwdu G v iä g U ev Kg Pvix Kj vb e e v Pvjy K i Q GB bzzb e e v Kg Pvix `i Rb GKwU evowz evbvm GB bzzb cwikíbvi D Ïk nj g v br g U vd `i evwl K wwm cv Rej Avq e w Kiv cbkb x gi we` gvb mkj m`m bzzb evbvm e e vi e vcv i AvMÖn cökvk K i Qb Ges cbkb xg Abyhvqx Zv `i cbkb e e v cwiez b Kivi Rb Av e`b K i Qb cbkb xg Uªvw GKPzqvwiqvj g~j wba viy mv c m`m `i Rb cbkb wb úwëi e e v K i Qb D jøl Kiv h Z cv i h, Kv úvwb wiuvqvi g U ewbwdu cø v bi AvIZvq MÖ vpzbwu dvû Ges wiuvqvi g U Kw UªweDkb cø v bi AvIZvq Kw UªweDUwi cöwf W U dvû Pvjy i L Q 2011 2010 UvKv'000 UvKv'000 wba vwiz myweav cö`vb m úwk Z `vwq Z i ez gvb g~j - 161,220 *cø vb m úwëmg~ ni mwvk g~j - (133,682) cø vb-g NvUwZ - 27,538 *cø vb m úwëmg~ ni g a i q Q UªRvix wej, cöwzi v mâqcî (PSP) BZ vw` Z wewb qvm Ges e vs K mwâz A_ 14.1.1 wba vwiz myweav cö`vb m úwk Z `vwq Z i ez gvb g~ j i mâvjb wba vwiz myweav cö`vb m úwk Z `vwqz - 1 Rvbzqvix 161,219 143,480 mzweavw` cª`vb eve` cwi kvwaz A_ (144,134) (16,603) ez gvb meveve` e q 3,016 8,215 mz`eve` e q 3,217 13,067 Ab vb Kgwcª nbwmf Av q exgv wnmvenwuz wz (23,319) 13,060 wba vwiz myweav cö`vb m úwk Z `vwq Z i ez gvb g~j - 31 ww m ^i - 161,219 14.1.2 cø vb m úwëmg~ ni mwvk g~ j i mâvjb cø vb m úwëmg~ ni mwvk g~j - 1 Rvbzqvix 133,682 134,024 cø vb-g Kv úvbxi Ae`vb 11,400 7,939 mzweavw` cª`vb eve` cwi kvwaz A_ (144,134) (16,603) cø vb m úwëmg~n n Z úªz vwkz diz 1,337 8,322 Ab vb Kgwcª nbwmf Av q exgv wnmvenwuz jvf/( wz) (2,285) - cø vb m úwëmg~ ni mwvk g~j - 31 ww m ^i - 133,682 14.1.3 jvf ev jvkmv b ^xk Z e q ez gvb mev cö`vb eve` e q 3,015 8,215 mz`eve` e q 3,217 13,067 cø vb m úwëmg~n n Z úªz vwkz diz (1,337) (8,322) 4,895 12,960 14.1.4 GKPzqvwiqvj ŸxK Z jvf/( wz) Ab vb Kgwcª nbwmf Av q GKPzqvwiqvj (jvf)/ wz wba vwiz mzweavw` n Z 23,319 (13,466) cø vb m úwëmg~ ni mwvk g~j n Z GKPzqvwiqvj wz (2,285) - 21,032 (13,466) 14.1.5 GKPzqvwiqvj Abygvb evæv nvi -31 k ww m ^i 31.42% 6.00% cø vb m úwëmg~n n Z úªz vwkz diz 5.00% 5.00% fwel Z ezb e w 8.00% 8.00% fwel Z cbkb e w 2.60% 2.50% Avqy vj ev gu vwjwu Uwej G(49-52) Ges wcg(90) P~ovšÍ Abyhvqx fwelr gu vvwjwu m úwk Z AvbygvwbK avibv Kiv nq G Î ^vfvwek Aemi MÖn Yi eqm 60 eqi aiv nq 14.2 MÖ vpzbwu xg 1 Rvbyqvix-Gi DØ Ë 86,854 72,050 G eq ii eivï 24,061 23,027 110,915 95,077 G eq ii cö`vb (25,377) (8,223) 31 k ww m ^i-gi DØ Ë 85,538 86,854

102 wj Û evsjv `k wjwg UW evwl K cöwz e`b 2011 15. wejw ^Z Ki `vqmg~n wejw ^Z Ki m úwëmg~n Ges `vqmg~n ` ki AvBbMZ Avek KZv (BAS-12:Income Taxes) Abyhvqx Dc vcb Kiv n q Q ewy Z wejw ^Z Ki LiP/Avq Dc vcb Kiv n q Q UxKv 26-G Z wb œ Av ivc hvm wejw ^Z Ki m úwëmg~n Ges `vqmg~n `qv njt cöwz e`b Zviw Li cwievnx g~j UvKvÕ000 K ii wfwë UvKvÕ000 Ki hvm /(ev` hvm ) A vqx cv_ K UvKvÕ000 31 k ww m ^i 2011 m úwëmg~n m úwë, cø v U Ges miävg 1,238,834 699,706 539,128 gry` mvgmöx 657,315 718,998 (61,683) evwywr K `bv`vimg~n 186,593 204,729 (18,136) 2,082,742 1,623,433 459,309 `vqmg~n Kg Pvix Kj vb t cbkb Znwej - 1,889 (1,889) Kg Pvix Kj vb t MÖ vpzbwu xg 85,538-85,538 85,538 1,889 83,649 bxu Ki hvm A vqx cv_ K 375,660 Kvh Ki K ii nvi 24.75% wejw ^Z Ki `vqmg n 92,976 31 k ww m ^i 2010-G m úwëmg~n m úwë, cø v U Ges miävg 1,043,552 605,032 438,520 gry` mvgmöx 361,478 433,912 (72,434) evwywr K `bv`vimg~n 200,103 212,340 (12,237) 1,605,133 1,251,284 353,849 `vqmg~n Kg Pvix Kj vb t cbkb Znwej 27,538 22,923 4,615 Kg Pvix Kj vb t MÖ vpzbwu xg 86,854-86,854 114,392 22,923 91,469 bxu Ki hvm A vqx cv_ K 262,380 Kvh Ki K ii nvi 24.75% wejw ^Z Ki `vqmg n 64,939 2011 2010 UvKvÕ000 UvKvÕ000 cªviw K w wz 64,939 71,071 G eq ii eivï/(wifvimvj) (28,037) (6,132) 92,976 64,939 16. Ab vb h `vqmg~n PjwZ b n wmwjûvi eve` Rgv 173,364 165,646 MÖvnK `i wbku n Z wmwjûvi eve` wmwkdwiwu Rgv GKwU Pjgvb ai bi `vq 17. evwywr K cvibv`vi fûi `i K cª`vb 68,790 59,360 evwywr K cvibv`viiv Aiw Z Ges GK gv mi g a cwi kva hvm

wj Û evsjv `k wjwg UW evwl K cöwz e`b 2011 103 2011 2010 UvKvÕ000 UvKvÕ000 18. LiP eve` cvibv`vi Ges `q LiP ezb, fvzv I Aemi myweavw` 39,968 41,172 KvwiMwi mnvqzv wd 48,188 45,901 `q LiP 43,769 48,293 Ab vb cvibv`vi 28,740 23,719 kªwgk `i gybvdv Askx`vwiZ Znwe j `q 49,492 47,716 210,157 206,801 18. G) Kbmwj W UW LiP eve` cvibv`vi Ges `q LiP ezb, fvzv I Aemi myweavw` 39,968 41,172 KvwiMwi mnvqzv wd 48,188 45,901 `q LiP 43,769 48,293 Ab vb cvibv`vi 28,237 23,179 kªwgk `i gybvdv Askx`vwiZ Znwe j `q 49,492 47,716 209,654 206,261 19. wewea cvibv`vi gyjabx welq 9,730 - MÖvnK Rgv Ges AwMªg 55,476 45,195 Acwi kvwaz jf vsk 46,101 8,247 Ab vb Rgv 3,804 1,795 115,111 55,237 20. Ki eivï cªviw K w wz 140,101 129,603 G eq ii eivï 230,584 241,320 370,685 370,923 G eq ii cö`vb (281,796) (230,822) mgvcwb w wz 88,889 140,101 20. G) Kbmwj W UW Ki eivï cªviw K w wz 140,106 129,608 G eq ii eivït wj Û evsjv `k wjwg UW 230,584 241,320 evsjv `k Aw Rb wjwg UW - 5 230,584 241,325 370,690 370,933 G eq ii cö`vb (281,796) (230,827) mgvcwb w wz 88,894 140,106 21. iwfwbd 2011 2010 cy GKK cwigvy UvKv '000 cwigvy UvKv '000 G,Gm, BD M v mm '000Gg 3 12,358 506,338 13,170 501,636 wwrjf& GwmwUwjb '000Gg 3 360 178,519 369 158,338 B jk UªvWm Gg wu 20,403 2,494,384 18,411 1,977,148 Ab vb 550,513 562,253 3,729,754 3,199,375

104 wj Û evsjv `k wjwg UW evwl K cöwz e`b 2011 2011 2010 UvKv'000 UvKv'000 21.1 Kv úvbxi cy iv e emvq we køly Kiv n q Q Ges G msµvš cöwz e`b cö Z Kiv n q Q hvnv wb gœ `qv njt evé M v mm 338,745 322,562 c v KR M v mm Ges cy mgyn (PG&P) 3,045,048 2,500,913 nmwcuvj Kqvi 345,961 375,900 3,729,754 3,199,375 cy 3,564,533 3,025,750 fvov 37,947 40,251 mevmg n 127,274 133,374 3,729,754 3,199,375 22. wewµz c Y i LiP cöviw K gry` G eq i 70,707 46,200 c Y i Drcv`b LiP (UxKv 22.1) 2,235,068 1,747,715 2,305,775 1,793,915 Drcvw`Z c Y i mgvcbx gry` (142,108) (70,707) Drcv`b c Y i weµq LiP 2,163,667 1,723,208 c Y i µq-weµ qi LiP 116,139 134,323 2,279,806 1,857,531 22.1 c Y i Drcv`b LiP Dcv`vb, gvjvgvj Ges gryixt KvuPvgvj Ges gvokrvz gvjvgvj (UxKv- 38) 1,815,017 1,340,928 R vjvbx I we`y r 77,673 77,201 cöz gryix 98,630 85,208 1,991,320 1,503,337 Drcv`b Dcwi LiPt ezb, gryix Ges óvd I qj dqvi 42,888 47,323 AePq 90,435 93,184 hš cvwz givgz (UxKv- 22.1.1) 68,472 65,438 `vjvb givgz 2,803 2,503 i Yv e Y 18,691 19,947 exgv LiP 1,669 1,410 fvov, AwfKi Ges Ki 486 541 ågy Ges hvbevnb LiP 1,442 1,377 cöwk Y LiP 525 742 hvbevnb PjvPj LiP 8,248 5,040 Uwj dvb, U j Ges d v 998 1,084 Qvcv, WvK I g bvnvix LiP 2,712 2,352 AvBb I ckv`vix wd 155 148 wewea d v±ix LiP 4,224 3,289 243,748 244,378 2,235,068 1,747,715 22.1.1 hš cvwzmg~ ni givgz hš cvwz givgz eve` LiP Uvt 68,472 nvrvi hvi g a Uvt 40,874 nvrvi (2010 UvKv 45,483 nvrvi) UvKvi hš cvwz i Yv e Yi Rb LyPiv hš vsk e eüz n q Q

wj Û evsjv `k wjwg UW evwl K cöwz e`b 2011 105 2011 2010 UvKv'000 UvKv'000 23. cwipvjbv e q ezb, gryix Ges óvd I qj dqvi 247,701 241,153 AePq 41,480 39,585 R vjvbx I we`y r 2,804 4,571 `vjvb givgz 2,186 1,861 Ab vb i Yv e Y 5,599 5,972 exgv 1,317 742 weziy 80,914 71,357 fvov, AwfKi Ges Ki 8,375 6,115 ågy Ges hvzvqvz 9,634 8,596 cöwk Y 1,478 2,288 hvbevnb PjvPj 37,749 33,960 Uwj dvb, U j Ges d v 7,815 6,553 Møvevj Bbdi gkb mvwf m 10,653 3,439 Qvcv, WvK, g bvnvix Ges Awdm LiP 7,168 7,438 evwywr K cwîkv Ges Pvu`v 1,777 1,397 weávcb Ges Dbœqb 19,580 9,018 m `nrbk evwywr K `bv`vi eivï 5,899 (13,909) evwywr K `bv`vi gikzd 451 409 AvBb Ges ckv`vix LiP 1,632 1,407 KvwiMwi mnvqzv wd 28,336 30,433 AwWUi `i cvwikªwgkt AwWU wd 525 525 Ab vb wd (Ki, cöwf W U dvû Ges kªwgk `i g bvdv Askx`vwiZ Znwej AwWU wd) 768 788 e vsk PvR 4,601 5,057 Avc vqb 860 592 e e vcbv wgwus Ges Kbdv iý LiP 565 395 wewea Awdm LiP 1,456 1,252 A vqx m úwëmg~ ni G v gviuvb Rmb (UxKv-6) 1,611 1,608 kªwgk `i gybvdv Askx`vwiZ Znwej 49,481 47,539 582,415 520,141

106 wj Û evsjv `k wjwg UW evwl K cöwz e`b 2011 2011 2010 UvKv'000 UvKv'000 23. G) Kbmwj W UW cwipvjbv e q ezb, gryix Ges óvd I qj dqvi 247,701 241,153 AePq 41,480 39,585 R vjvbx I we`y r 2,804 4,571 `vjvb givgz 2,186 1,861 Ab vb i Yv e Y 5,599 5,972 exgv 1,317 742 weziy 80,914 71,357 fvov, AwfKi Ges Ki 8,375 6,115 ågy Ges hvzvqvz 9,634 8,596 cöwk Y 1,478 2,288 hvbevnb PjvPj 37,749 33,960 Uwj dvb, U j Ges d v 7,815 6,553 Møvevj Bbdi gkb mvwf m 10,653 3,439 Qvcv, WvK, g bvnvix Ges Awdm LiP 7,168 7,438 evwywr K cwîkv Ges Pvu`v 1,777 1,397 weávcb Ges Dbœqb 19,580 9,019 m `nrbk evwywr K `bv`vi eivï 5,899 (13,909) evwywr K `bv`vi gikzd 451 409 AvBb Ges ckv`vix LiP 1,632 1,407 KvwiMwi mnvqzv wd 28,336 30,433 AwWUi `i cvwikªwgkt AwWU wd 535 535 Ab vb wd (Ki, cöwf W U dvû Ges kªwgk `i g bvdv Askx`vwiZ Znwej AwWU wd) 795 822 e vsk PvR 4,601 5,057 Avc vqb 860 592 e e vcbv wgwus Ges Kbdv iý LiP 565 395 wewea Awdm LiP 1,456 1,252 A vqx m úwëmg~ ni G v gviuvb Rmb (UxKv-6) 1,611 1,607 kªwgk `i gybvdv Askx`vwiZ Znwej 49,481 47,539 582,452 520,185 24. Ab vb Avq m úwë, cø v U Ges miävg weµq eve` gybvdv (UxKv 32) 4,456 24,424 ev`t AePq ev ` c btg j vwqz g~j t m úwë, cø v U Ges miäv gi LiP 91,534 54,170 ev`t mwâz AePq 89,105 47,348 2,429 6,822 jvf/( jvkmvb) weµ qi Dci 2,027 17,602 25. mỳ eve` Avq, bxu my` eve` Avq 76,897 65,344 my` eve` e q (6,321) (1,393) 70,576 63,951 2011 mv ji my` eve` Avq mwâwz AšÍf y³ Kiv n q Q eq ii k l UvKv 18,950 nvrvi (2010t UvKv 13,645 nvrvi)

wj Û evsjv `k wjwg UW evwl K cöwz e`b 2011 107 2011 2010 UvKv'000 UvKv'000 26. Ki eivï PjwZ Ki eve` LiP (UxKv 20) 230,584 241,320 wejw ^Z Ki eve` Avq/(e q) (UxKv-15) 28,037 (6,132) 258,621 235,188 26. G) Kbmwj W UW Ki eivï PjwZ Ki eve` LiP (UxKv 20-G) 230,584 241,325 wejw ^Z Ki eve` Avq/(e q) (UxKv-15) 28,037 (6,132) 258,621 235,193 27. kqvicªwz Avq 27.1 kqvicªwz gšwjk Avq kqvicöwz Av qi wnmve wb œ `qv n jvt mvaviy kqvi nvìvi `i AwR Z Avq (Ki ciez x bxu gybvdv) (UvKv'000) 681,515 668,068 G eq ii e Kqv mvaviy kqv ii msl v ('000) 15,218 15,218 kqvicªwz gšwjk Avq (EPS)- UvKv 44.78 43.90 27.2 WvBwjD UW kqvicªwz Avq G eq ii WvBwjDk bi Kvb D jøl hvm m vebvi my hvm bv _vvkvi cªw Z kqvicªwz Kvb WvBwjD UW Avq wnmv ei cª qvrb bb 27. G) Kbmwj W UW kqvicªwz gšwjk Avq mvaviy kqvi nvìvi `i AwR Z Avq (Ki ciez x bxu gybvdv) (UvKv'000) 681,478 668,019 G eq ii e Kqv mvaviy kqv ii msl v ('000) 15,218 15,218 kqvicªwz gšwjk Avq (EPS)- UvKv 44.78 43.90 28. cwipvjk `i cvwikªwgk wd 85 95 ezb Ges myweav eve` 24,965 26,565 evwo LiP 1,890 2,325 fwel r Znwe j Pvu`v 413 519 Aemi myweavw` 15,197 2,051 42,550 31,555 ezb, gryix Ges óvd I qj dqvi Li Pi g a cwipvjk `i cvwikªwgk AšÍf ~³ Av Q 29. gzv cöavb cy mvgmöx gv ci GKK gzv G eq ii Rb Drcv`b G eq ii Rb gšíe G,Gm,BD, M vm '000Gg 3 16,908 12,700 fwel Z Pvwn`v guv bvi Rb AwZwi³ gzv wwrjf& GwmwUwjb '000Gg 3 1,150 362 H B jk UªvW Gg wu 23,100 20,308 bx Pi `ªóe * * Kv úvwb 2011 Z B jk UªvW Drcv`b-Gi Z Zxq jvbb ïi K i Q hvi Drcv`b gzv eq i AwZwi³ 7,700 Ubm

108 wj Û evsjv `k wjwg UW evwl K cöwz e`b 2011 30. Avw_ K `wjj 2011 2010 UvKv'000 UvKv'000 30.1 Rgvi SzuwK K) Rgvi SzuwK msµvší cwiw wz Avw_ K m úwëmg~ ni cwievnx g~j m e v P Rgvi AbyKzj cwiw wz Zz j a i cöwz e`b Zvwi Li m e v P Rgvi SzuwK msµvší cwiw wz wqj wbgœiƒct evwywr K `bv`vi 204,729 212,340 ev`t m `nrbk `bveve` eivï (18,136) (12,237) 186,593 200,103 e vs K Mw QZ bm` A_ 778,262 1,073,588 964,855 1,273,691 cöwz e`b Zvwi L c Y i cökvi f` Abyhvqx evwywr K `bv`v ii Dci m e v P Rgvi SzuwK wqj wbgœiƒct M v mm 53,630 34,613 I qwìs 10,240 6,964 nmwcuvj Kqvi 140,859 170,763 204,729 212,340 L) evwywr K `bv`v ii kªªyxwey vm cöwz e`b cö`v bi Zvwi L gvu evwywr K `bv`v ii kªªyxwey vmt Pvjvb 0-30 w` bi g a 53,626 46,102 Pvjvb 31-60 w` bi g a 16,546 21,533 Pvjvb 61-90 w` bi g a 21,443 32,521 Pvjvb 91-120 w` bi g a 18,677 10,704 Pvjvb 121-180 w` bi g a 12,465 19,877 Pvjvb 181-365 w` bi g a 48,400 61,755 Pvjvb 365 w` bi D a 33,572 19,848 204,729 212,340 Av jvp eq i m `nrbk `bveve` eiv Ïi mâvjb wqj wbgœiƒct cªviw K w wz 12,237 26,146 G eq ii LiP/(Aegy³) 5,899 (13,909) mgvcwb w wz 18,136 12,237 30.2 wjkzbwwwu SuzwK wb gœ Avw_ K `vqmg~ ni Pzw³wfwËK gqv `i cwic~y Zv K Zz j aiv njt cwievnx g~j UvKv'000 Pzw³wfwËK bm` A_ cöevn UvKv'000 6 gvm ev Zvi Kg UvKv'000 6 n Z 12 gvm UvKv'000 1 n Z 2 eqi UvKv'000 2 n Z 5 eqi UvKv'000 5 eqi Gi D a UvKv'000 31 k ww m ^i 2011 Drcbœ bq Ggb Avw_ K `vqmg~nt evwbwr K cvibv`vi 68,790 68,790 68,790 - - - - LiP eve` cvibv`vi Ges cö `q LiP 210,157 210,157 163,433 16,298 30,426 - - wewea cvibv`vi 115,111 115,111 115,111 - - - - Drcbœ n q Q Ggb Avw_ K `vqmg~n - - - - - - - 394,058 394,058 347,334 16,298 30,426 - - 31 k ww m ^i 2010 Drcbœ bq Ggb Avw_ K `vqmg~nt evwbwr K cvibv`vi 59,360 59,360 59,360 - - - - LiP eve` cvibv`vi Ges `q LiP 206,801 206,801 183,253 23,548 - - - wewea cvibv`vi 55,237 55,237 55,237 - - - - Drcbœ n q Q Ggb Avw_ K `vqmg~n - - - - - - - 321,398 321,398 297,850 23,548 - - -

wj Û evsjv `k wjwg UW evwl K cöwz e`b 2011 109 30.3 gv KU SzuwK K) gy`ªv SzuwK e `wkk g~`ªvq µq ev Ab vb jb ` bi Î Kv úvwbi ˆe `wkk g~`ªvi SzuwK wb gœ ewb Z g~`ªvq Avw_ K `vqmg~ ni Î 31 k ww m ^i Aewa Kv úvwbi ˆe `wkk g~`ªv SzuwKt (i) gy`ªv SzuwK welqk wnmve 31 k ww m ^i 2011 31 k ww m ^i 2010 UvKv '000 '000 US$ '000 GBP '000 EUR UvKv '000 '000 US$ '000 GBP '000 EUR m úwëmg~ ni ˆe `wkk gy`ªv g~j evwywr K `bv`vi 3,735 55 - - 4,581 64 - - 3,735 55 - - 4,581 64 - - `vqmg~ ni ˆe `wkk gy`ªv g~j evwywr K cvibv`vi (22,740) (276) - - (13,057) (132) (12) (25) LiP eve` cvibv`vi Ges cö `q LiP (65,497) - (375) (161) (6,046) - - (62) (88,237) (276) (375) (161) (19,104) (132) (12) (87) bxu G cvrvi ev SzuwKi wnmve (84,502) (221) (375) (161) (14,522) (68) (12) (87) wb gœ G eq ii cö qvmk Z g~`ªvi wewbgq nvi `qv nj t wewbgq nvi 31 ww m ^i 2011 31 ww m ^i 2010 UvKv UvKv BD Gm Wjvi (BDGm Wjvi) 82.50 70.79 MÖU weª Ub cvdû (wrwewc) 128.34 108.32 BD iv (BDAvi) 107.53 96.67 (ii) e `wkk g~`ªvi e qi wnmve wba vi bi Rb e `wkk gy`ªv wewbgq nvi cwiez bi mz Zv we køly e `wkk g~`ªv m úwk Z 50wU gšwjk c q U cwiez b Avbv n j Kv úvwbi BK ybwu Ges gybvdv ev wz e w /(n«vm) NU Zv hv wb gœi wnmv e cöwzfvz nq GB we k l Y `Lv hvq h, G Î Ab vb mkj cwiez bkxj wbqvgk, we klz my `i nvi AcwiewZ Z _v K jvf ev jvkmvb B KzBwU 50 wewc e w 50 wewc n«vm 50 wewc e w 50 wewc n«vm 2011 UvKv'000 UvKv'000 UvKv'000 UvKv'000 e qmg~ ni g~`ªv g~j - BDGmwW (114) 114 (114) 114 e qmg~ ni g~`ªv g~j -wrwewc (241) 241 (241) 241 e qmg~ ni g~`ªv g~j - BD iv (87) 87 (87) 87 wewbgq nvi cwiez bi mz Zv (442) 442 (442) 442 jvf ev jvkmvb B KzBwU 50 wewc e w 50 wewc n«vm 50 wewc e w 50 wewc n«vm 2010 UvKv'000 UvKv'000 UvKv'000 UvKv'000 e qmg~ ni g~`ªv g~j - BDGmwW (23) 23 (23) 23 e qmg~ ni g~`ªv g~j -wrwewc (25) 25 (25) 25 e qmg~ ni g~`ªv g~j - BD iv (30) 30 (30) 30 wewbgq nvi cwiez bi mz Zv (78) 78 (78) 78

110 wj Û evsjv `k wjwg UW evwl K cöwz e`b 2011 L) my `i nv ii SzuwK 31 k ww m ^i Aewa Kv úvwbi my` wba viyx Avw_ K `wjjvw` my` nv ii aib wqjt cwievnx g~j 2011 2010 UvKv'000 UvKv'000 wba vwiz nvi welqk `wjjvw` Avw_ K m úwëmg~n e vs K Mw QZ bm` A_ 778,262 1,073,588 Avw_ K `vqmg~n - - PjwZ nvi welqk `wjjvw` Avw_ K m úwëmg~n - - Avw_ K `vqmg~n - - M) wnmv ei kªwbwey vm Ges b vh g~j Avw_ K Ae vi welqk weeiwb Z Avw_ K m úwë I `vqmg~ ni h b vh g~j cwievnxi g~ j i mv _GK Î cª`k b Kiv n q Q Zv n jvt 2011 2010 cwievnx g~j b vh g~j cwievnx g~j b vh g~j UvKv'000 UvKv'000 UvKv'000 UvKv'000 jvf ev jvkmv bi wfwë Z m úwëmg~ ni b vh g~j - - - - m úwëmg~ ni gqv` cwic~y Zv wba vwiz Rgvmg~n 550,000 550,000 800,000 800,000 FYmg~n Ges cövc Ask evwywr K `bv`vi, bxu 186,593 186,593 200,103 200,103 e vs K Mw QZ bm` A_ (wba vwiz Rgvmg~n ev `) 228,262 228,262 273,588 273,588 Avw_ K m úwëmg~ ni weµq mnrjf Zv - - - - jvf ev jvkmv bi wfwë Z `vqmg~ ni b vh g~j - - - - G v gviuvbrw LiPmg~ ni `vqmg~n evwywr K cvibv`vi 68,790 cö hvr b n* 59,360 cö hvr b n* LiP eve` cvibv`vi Ges cª `q LiP 210,157 cö hvr b n* 206,801 cö hvr b n* wewea cvibv`vi 115,111 cö hvr b n* 55,237 cö hvr b n* Ab vb h `vqmg~n PjwZ b n 173,364 cö hvr b n* 165,646 cö hvr b n* * BFRS 7t Avw_ K `wjjvw`t wwm K vrvi Abyhvwq mwvk g~j wby qi cö qvrb bb hv nvk, Hme `wj ji cwievnx g~ j i mv _ mwvk g~ j i Zgb Kvb cv_ K _vkvi m vebv bb 31. g~jabx e qi Rb A½xKvi Pzw³e wkš wnmv e cözxqgvb nq bvb 97,872 127,262

wj Û evsjv `k wjwg UW evwl K cöwz e`b 2011 111 32. m úwë, cø v U Ges miäv gi weµ qi gybvdvi ZvwjKv weeiy gyj mwâz AePq AePq ev ` c btg j vq bi g~j weµq gyj weµq c wz µzv UvKv'000 UvKv'000 UvKv'000 UvKv'000 cø v U I gwkbvix 74,339 74,339-1,802 U Wvi wewfbœ gvui Mvoxt gvui mvb Kj 581 555 26 171 bxwzgvjv Abyhvqx wewfbœ Mvox 6,660 5,514 1,146 1,146 bxwzgvjv Abyhvqx wewfbœ 7,241 6,069 1,172 1,317 AvmevecÎ, miävg I Awdm BKzBc g Ut weµqk Z 2,413 2,283 130 209 U Wvi wewfbœ cvu x Œ vc&w 4,097 4,086 11 - A ^xk wz cö hvr b n 6,510 6,369 141 209 wmwjûvimt weµqk Z 493 306 187 1,128 evwzjk Z 2,951 2,022 929-3,444 2,328 1,116 1,128 2011 91,534 89,105 2,429 4,456 2010 54,170 47,348 6,822 24,424 MÖvnK `i wbku n Z bxwzgvjv Abyhvqx Av`vq Kiv MÖvnK `i wbku n Z bxwzgvjv Abyhvqx Av`vq Kiv wewfbœ µzv wewfbœ µzv 33. Kg Pvixi msl v h mkj Kg Pvix mviv eqi wbhy³ wqj, Zv `i msl v wqj 394 Ges Zviv cö Z K eq i me gvu Uvt 36 nvrvi ev Z ZvwaK cvwikªwgk MÖnY K i (2010t 386) 34. ˆe `wkk gỳ ªv cöiy 2011 2010 '000 GBP UvKv' 000 '000 GBP UvKv' 000 w` weiwm MÖ c wjwg UW, BD, K- K KvwiMwi mnvqzv wd 170 20,118 - - w` weiwm MÖ c wjwg UW, BD, K- K jf vsk cö`vb 2,325 258,863 2,514 268,725 w` weiwm MÖ c wjwg UW GKRb AbvevwmK kqvi nvìvi D³ Kv úvbx 9,130,968 wu mvaviy kqv ii AwaKvix 2011 mv ji jf vsk eve` w` weiwm MÖ c wjwg UW- K 2011 mv j GBP 1,662 nvrvi AšÍeZ xkvjxb jf vsk wnmv e cö`vb Kiv nq 35. ˆe `wkk gỳ ªv MÖnb MÖvn Ki / fû ii bvg MÖn bi aib 2011 2010 '000 US$ UvKv' 000 '000 US$ UvKv' 000 BDwb Møvix mvb Kj K úv b Um& wjt ißvbx wn m e MY 215.00 16,372 250 17,222 gnbv Gjq UK wjt ißvbx wn m e MY 160.00 12,135 156 10,751 Avb ` wkcbqvw wjt ißvbx wn m e MY - - 92 6,316 Bmve (ESAB) BwÛqv wjwg UW weµq Kwgkb 8.50 643 - - DwqUg vb Kvt weµq Kwgkb 1.28 92 - - wr B nj&_ Kqvi BwÛqv weµq Kwgkb 0.38 27 - - RvPysI q gww Kj K c vt weµq Kwgkb 1.38 104 - - wjskb B jkwuªk Kvt wjt weµq Kwgkb - - 5 375 wim K c v ikb weµq Kwgkb - - 16 1,125 gvu 386.54 29,373 519 35,789

112 wj Û evsjv `k wjwg UW evwl K cöwz e`b 2011 2011 2010 UvKv'000 UvKv'000 36. wm AvB Gd wfwë Z Avg`vbx g~j KvuPvgvj 1,955,492 1,165,791 LyPiv hš vsk I Ab vb gwkbcî 44,466 135,507 g~jabx gvjvgvj 263,655 73,046 2,263,613 1,374,344 37. e vsk M vivw U Ges A½xKvi cö`vb 37.1 e vsk M vivw U cö`vb AvcwËKi f vu I wewfbœ c K Z Zxq c `i K e vsk M vivw U cö`vb, wkwcs M vivw Um, e vs Ki ^xk wzcî Ges AvcwËKi f vu 48,081 33,426 37.2 e Kqv juvim Ae µwwu 383,216 475,600 38. KvuPvgvj Ges gvokrvz gvjvgvj e enƒz cöviw K gry` µq mgvcbx gry` e envi cwigvb g~j cwigvb g~j cwigvb g~j cwigvb g~j e env ii weeiy Gg wu UvKv' 000 Gg wu UvKv' 000 Gg wu UvKv' 000 Gg wu UvKv' 000 kzkiv cwigvy K vjwmqvg Kve vbw 280 18,272 1,297 92,815 253 18,865 1,324 92,222 5.08 Iq vi 806 49,628 17,610 1,276,442 2,050 153,538 16,366 1,172,532 64.60 eøb WW cvdwvi 591 58,419 5,878 604,011 1,853 218,226 4,616 444,204 24.47 Ab vb * - 30,943-117,687-42,571-106,059 5.84 2011-157,262-2,090,955-433,200-1,815,017 100.00 2010-117,739-1,380,451-157,262-1,340,928 100.00 *Ab vb jvi g a i q Q vbxq evrvi I we `k n Z µxz wewfbœ ai bi KwgK vj, jyewi K U Ges c vwks miävgvw` 39. mswkøó c mg~ ni g a jb `b (i) Kv úvbx ^vfvwek e emvwqk wbqg gvzv ek Abyhvqx MÖ c Kv úvbx jv n Z wb œwjwlz gvjvgvj Ges mevmg~n µq K i Q G eq ii jb `b mgvcbx w wz 2011 2010 2011 2010 UvKv' Õ000 UvKv' Õ000 UvKv' Õ000 UvKv' Õ000 we kl M vm, úqvim& Ges wmwjûvim& 67,841 52,675 (13,970) (10,656) KvwiMwi mevmg~n 35,903 26,079 (65,497) (45,901) 103,744 78,754 (79,467) (56,557) (ii) G eq i Kv úvbx wb œi hvezxq jb `b wj cwipvjk Rbve jwzdzi ingvb-gi Kv úvbxi mwnz m úbœ K i Q UªvÝKg MÖ c Ae Kv úvbxr-gi wbku weµq 10,494 8,079 874 (903) (iii) weiwm MÖ c wjwg UW - K jf vsk cö`vb 287,625 298,583 - - (iv) g~j e e vcbv Kg Pvixe ` cwipvjk `i cvwikªwgk 42,550 31,555 - - 2011 mv ji jf vsk eve` w` weiwm MÖ c wjwg UW- K 205,447 nvrvi UvKv AšÍeZ xkvjxb jf vsk wnmv e cö`vb Kiv nq 40. cöwz e`b Zvwi Li ciez x B f Umg~n 2012 mv ji 08B gvp Zvwi L cwipvjkgûjxi AbywôZ mfv Z 2011 mgvß eq ii Rb Bmy K Z cöwzwu kqv ii Rb 10.00 UvKv nv i jf vsk eve` 152,183 nvrvi UvKv mycvwik K i Qb

wj Û evsjv `k wjwg UW evwl K cöwz e`b 2011 113

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118 wj Û evsjv `k wjwg UW evwl K cöwz e`b 2011