ivRkvnx K…wl Dbœqb e¨vsK

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1 ivrkvnx K wl Dbœqb e vsk cökv/ Kwnwe- 1/cwicÎ bs- 02 /2015 K `ªxq wnmve wefvm-1 wnmve mgvcbx AMÖvwaKvi ZvwiLt ÒFY Av`v q `vq kva FY köyxkiy n e ivaó 07 Ryb 2015 Lªxóvã 24 R ô 1422 e½vã mkj Rvbvj e e vck Dc-gnve e vck vbxq gyl Kvh vjq, ivrkvnx/ XvKv kvlv, XvKv mkj kvlv e e vck ivrkvnx K wl Dbœqb e vsk Rvbvj Kvh vjq, GjwcI I XvKv kvlv dgmcad1@rakub.org.bd address G wb gœv³ weeiyx cöiy Ki et mshyw³ ÔLÕ t Zvwi Li g a mshyw³ ÔMÕ t Zvwi Li g a mvßvwnk cöwz e`b t Zvwi Li g a welqt Avw_ K eq ii evwl K wnmve mgvcbx 30 Ryb 2015 wk ivbv g ewy Z wel q wnmve I Rbv ij e vswks g vby qj-1987(1g LÐ) Gi n Z bs Aby Q `i cöwz ` wó AvKl Y Kiv hv Q 02 g vby q ji D³ Aby Q`mg~ n ewy Z wb ` k I ciezx Z wewfbœ mg q RvixK Z cî/cwic Îi wb ` kvbyhvqx evwl K wnmve mgvcbx Ges 30 Ryb Zvwi L Òmgvcbx c~e Ges mgvcbx DËiÓ elwqk weeiyx (GwmGd-37 ms kvwaz) Zwi Ki Z n e iy ivl Z n e h, elwqk weeiyx Z wnmv ei g~j Lv Zi v b Kvb Ae v ZB wnmv ei DcLvZ wjlv hv e bv DcLvZmg~n elwqk weeiyxi k li cvzvq wbw` ó RvqMvq wjl Z n e g~j Lv Zi w wzi mv _ mswkøó DcLv Zi mgwói wgj _vk Z n e elwqk weeiyx wbfy j I wewam Zfv e cö Z Kiv n q Q g g GKwU cöz qb cî elwqk weeiyxi mv _ mshy³ Ki Z n e (mshyw³-s) 03 wnmve mgvcxbi myweav _ wbgœewy Z w`k wb ` kbv h_vh_fv e AbymiY Kivi Rb mswkøó mkj K civgk `qv n jv PjwZ wnmvet PjwZ wnmv e Kvb mỳ cö`vb Kiv hv e bv cöwzwu wnmve n Z Accounts Maintenance Fee eve` 500/- (cuvpkz) UvKv Av`vq Ki Z n e wnmv ei w wz 500/- UvKvi Kg n j m ú~y UvKv KZ b Ki Z n e G ÿ Î wbgœiƒc vbvšíi fvdpvi n e WweU 21-PjwZ wnmve µwwu 46/13 wewea Avq m~î bst kvwbwe/cwicî bs-03/2010 ZvwiLt m~î bst kvwbwe/mvkz jvi juvi bs-02/2010 ZvwiLt mÂqx wnmvet K) 1 Rvbyqvix n Z 30 Ryb, 2015 ch ší cöwz gv mi me wbgœ w wzi Dci wfwë K i mâqx AvgvbZ wnmv e me wbgœ UvKv Ges m e v P h Kvb As Ki w wzi Dci wba vwiz nv i mỳ cö`vb Ki Z n e my `i cwigvy c~y UvKvi As K n e cö`ë my `i Dci cö hvr nv i h_vixwz Dr m AvqKi KZ b Ki Z n e L) wb gœv³fv e Accounts Maintenance Fee Av`vq/KZ b Ki Z n et * mâqx wnmv e 5,000/- (cuvp nvrvi) UvKv ch ší Mo AvgvbZ w wzi ÿ Î Accounts Maintenance Fee Av`vq Kiv hv e bv * 25,000/- (cuwpk nvrvi) UvKv ch ší Mo AvgvbZ w wzi ÿ Î Accounts Maintenance Fee cöwz lvb vwm K 100/- (GKkZ) UvKv Av`vq Ki Z n e * 25,000/- (cuwpk nvrvi) UvKvi E aÿ Mo AvgvbZ w wzi ÿ Î Accounts Maintenance Fee cöwz lvb vwm K 300/- (wzbkz) UvKv Av`vq Ki Z n e Pjgvb cvzv bs-02

2 cvzv bs-02 * K wl DcKiY mnvqzvkvw avix K l Ki we kl fzz Kx AvgvbZ wnmve, gyw³ hv v `i wnmve, Ab vb `vwi`ª we gvpb Kg m~pxi mydj fvmx `i mâqx wnmvemg~n Ges mâqx wnmve- zj e vswks (School Banking) n Z ewy Z Accounts Maintenance Fee KZ b Kiv hv e bv m~î bst kvwbwe/cwicî bs-03/2010 ZvwiLt kvwbwe/mvkz jvi juvi bs-02/2010 ZvwiLt kvwbwe/mvkz jvi juvi bs-01/2013 ZvwiLt M) Dc iv³ K I L Gi ÿ Î wbgœiƒc vbvšíi fvdpvi n e WweU µwwu 133/37 Avgvb Zi mỳ e q 22 mâqx wnmve 22 mâqx wnmve 41/10- G Dr m AvqKi wewea cö `q 22 mâqx wnmve 46/13 wewea Avq (Accounts Maintenance Fee) N) e vsk Kv úvbx AvBb-1991 Gi 35 aviv Abyhvqx 10 ermi I Z`yaŸ mgq hvez jb `b wenxb A`vexK Z mkj AvgvbZ n Z ewy Z Accounts Maintenance Fee KZ b Kiv hv e bv vqx AvgvbZ wnmvet evwl K wnmve mgvcbxkv j KejgvÎ c~y ZvcÖvß vqx AvgvbZ wnmv e wba vwiz nv i mỳ wnmvevqb K i e q wnmve LvZ 133/37 WweU Ges mswkøó AvgvbZ wnmvewu µwwu Ki Z n e cö`ë my `i Dci cö hvr nv i Dr m AvqKi KZ b Ki Z n e wkš gqv` c~y nq bvb Ggb wnmvemg~ ni ÿ Î 30 Ryb ch ší w` bi msl v wnmve K i wba vwiz nv i mỳ wnmvevq bi ci Dnv cöwfkb K i e q wnmve Ò133/37 Avgvb Zi Dci mỳ Ó WweU Ges Ò41/4 gqv`x Avgvb Zi DciÓ cö `q mỳ wewea cö `q wnmve LvZ µwwu Ki Z n e cöwfkbk Z mỳ m ú~ik (Supplementary) LwZqv b 41/4 wnmve Lv Z wjwce K i ivl Z n e cöwfkbk Z my `i Dci Dr m AvqKi KZ b cö hvr n e bv mswkøó vqx AvgvbZ mg~ ni c~y Zv cövwß/eqi c~wz i Zvwi L (c~y Zv cövwßi ZvwiL mikvix QzwU _vk j ciez x Kvh w`e m) 1 RyjvB n Z w` bi msl v wnmve K i Aewkó mg qi mỳ avh K i wbgœiƒc vbvšíi fvdpvi m úv`b Ki Z n e Ges m ú~y mỳ AvgvbZ wnmv e µwwu Ki Z n e G ÿ Î cö`ë gvu my `i Dci cö hvr nv i Dr m AvqKi KZ b Ki Z n e WweU µwwu 133/37 Avgvb Zi Dci mỳ 23 vqx AvgvbZ wnmve 133/37 Aewkó mg qi mỳ 41/4 cöwfkbk Z mỳ úkvj bvwuk ww cvwru (GmGbwW)t wnmve eü Kivi mgq GesevrmwiK wnmve mgvcbx Z 30,Ryb `wbk mgvcbx w wzi wfwë Z mỳ cö `q n e cö`ë my `i Dci cö hvr nv i h_vixwz Dr m AvqKi KZ b Ki Z n e Z e Kvb Ae v ZB Pµe w AvKv i mỳ `qv hv e bv GmGbwW wnmve cwipvjbv I Dnvi Dci mỳ avh Ki Yi ÿ Î kvlv wbqš Y wefv Mi mvkz jvi bs04/2010 ZvwiLt , mvk yjvi bs-01/2012 ZvwiLt I mvk yjvi bs-06/2012 ZvwiLt G ewy Z bxwzgvjv AbymiY Ki Z n e cöwzwu wnmve n Z GKvD U gbb U Ý wd eve` 500/- (cuvpkz) UvKv cöwz lvb vwm K Av`vq Ki Z n e wnmv ei w wz 500/- UvKvi Kg n j m ú~y UvKv KZ b Ki Z n e wWwcGm wnmvet we Kwe Gi cwicî bs- wnmve-21/85, ZvwiLt Bs gvzv ek mkj wwwcgm wnmv e 15% mỳ v ivc Ki Z n e Ges m ÿ Î Ò133/37(G) wwwcgm Avgvb Zi Dci cö`ë mỳ Ó wnmve K WweU Ges 215-wWwcGm wnmve K µwwu Ki Z n e D jøl cö `q my `i Dci Kvb Dr m AvqKi KZ b n e bv ivkve cbkb mâq cökít D³ wnmv ei mỳ cö`v bi ÿ Î ivkve, kvwbwe cwicî bs-5/97, ZvwiLt Bs G ewy Z wb ` kvbyhvqx mỳ v ivc Ki Z n e 5 eqi gqv`x wnmv e 10% Ges 10 eqi gqv`x wnmv e 12% mỳ cö`vb Ki Z n e Ges m ÿ Î 133/37(we) LvZ K WweU K i mỳ wnmvefy³ Ki Z n e kvlv wbqš Y wefv Mi Bs Zvwi Li mvk yjvi juvi bs-04/2001 Gi wb ` k gvzv ek AviwcGm wnmv ei mỳ n Z Dr m AvqKi KZ b Ki Z n e bv Pjgvb cvzv bs-03

3 cvzv bs ivkve Wvej gvwb xg (RDMS)t ivkve Wvej gvwb x gi mỳ I wnmvevqb m ú K ivkve, kvlv wbqš Y wefv Mi Zvwi Li kvwbwe mvk yjvi bs- 04/2011 Ges Zvwi Li kvwbwe mvk yjvi juvi bs-01/2012 Abymi Yi Rb mswkøó mkj K ejv n jv cö `q my `i Dci cö hvr nv i Dr m AvqKi KZ b Ki Z n e kvlv wbqš Y wefv Mi mvk yjvi bs-cökv/kvwbwe-mvk yjvi bs-09/2014 ZvwiLt Gi gva g ivkve Wvej gvwb xg wnmve Lvjv eü Kiv n q Q 3.8 ivkve wuªcj gvwb xg (RTMS)t ivkve, kvlv wbq ÎY wefv Mi Zvwi Li kvwbwe mvk yjvi bs-08/2011 Ges Zvwi Li mvk yjvi juvi bs-03/2012 Gi wb ` kbv gvzv ek ivkve wuªcj gvwb xg (RTMS) Gi mỳ nvi, cö `q my` Ges UvKv cö `q n e cö `q my `i Dci cö hvr nv i Dr m AvqKi KZ b Ki Z n e kvlv wbqš Y wefv Mi mvk yjvi bs-cökv/kvwbwe-mvk yjvi bs- 09/2014 ZvwiLt Gi gva g ivkve wuªcj gvwb xg wnmve Lvjv eü Kiv n q Q 3.9 ivkve gvwmk gybvdv xg (RMPS) t ivkve, kvlv wbq ÎY wefv Mi Zvwi Li kvwbwe mvk yjvi bs-02/2012 Gi wb ` kbv gvzv ek ivkve gvwmk gybvdv xg (RMPS) Gi mỳ nvi, cö `q mỳ Ges UvKv cö `q n e 3.10 ivkve wgwjqwbqvi ww cvwru xg (RMDS) ivkve, kvlv wbq ÎY wefv Mi Zvwi Li kvwbwe mvk yjvi bs-04/2012 Gi wb ` kbv gvzv ek ivkve gvwmk gybvdv xg (RMDS) Gi mỳ nvi, cö `q mỳ Ges UvKv cö `q n e 3.11 ivkve gvwmk mâq xg (RMSS)t ivkve, kvlv wbq ÎY wefv Mi Zvwi Li kvwbwe mvk yjvi bs-03/2012 Gi wb ` kbv gvzv ek ivkve gvwmk gybvdv xg (RMSS) Gi mỳ nvi, cö `q mỳ Ges UvKv cö `q n e 3.12 ivrkvnx K wl Dbœqb e vsk mâq xgt ivrkvnx K wl Dbœqb e vsk mâq xg (AviGmGm) Gi wnmvevq b kvlv wbqš Y wefv Mi Zvwi Li cwicî bs- 2/2008 Gi wb ` kbv cwicvjb Ki Z n e D³ wnmv e 9% (Pµe w ) nv i evrmwik wfwë Z mỳ cö `q n e D³ wnmv e cö `q mỳ 133/37B ÒivRkvnx K wl Dbœqb e vsk mâq xgó Gi cö `q mỳ Lv Z wnmvef~³ Ki Z n e cö `q my `i Dci cö hvr nv i Dr m AvqKi KZ b Ki Z n e 3.13 K lk mâq xg ( KGmGm)t K lk mâq xg ( KGmGm) Gi wnmvevq b kvlv wbqš Y wefv Mi Zvwi Li mvk yjvi bs-02/2011 Gi wb ` kbv cwicvjb Ki Z n e D³ wnmv e 9% (Pµe w ) nv i evrmwik wfwë Z evwl K wnmve mgvcbxi Zvwi L mỳ cö `q n e D³ wnmv ei cö `q mỳ 133/37Gd ÒK lk mâq xgó ( KGmGm) Gi mỳ e q LvZ K WweU K i wnmvevqb Ki Z n e 3.14 ÿz`ª mâq cökí I wkÿk mâq cökít kvlv mg~n K cöavb Kvh vj qi kvlv wbqš Y wefv Mi mvk yjvi bs-5/99 I 6/99 ZvwiLt Bs gvzv ek ÿỳ ª mâq cökí I wkÿk mâq cökí wnmv e 8.50% mỳ v ivc Ki Z n e Ges 133/37 LvZ K WweU K i mỳ wnmvef~³ Ki Z n e cö `q my `i Dci cö hvr nv i Dr m AvqKi KZ b Ki Z n e 3.15 ivkve `wbk jvf wnmve (RDP)t ivkve, kvlv wbq ÎY wefv Mi Zvwi Li kvwbwe mvk yjvi bs-05/2011 Gi wb ` kbv gvzv ek ivkve gvwmk gybvdv xg (RDP) Gi mỳ nvi, cö `q mỳ Ges UvKv cö `q n e 3.16 ivkve MÖvgxY cbkb mâq cökít ivkve MÖvgxb cbkb mâq cökí Gi wnmvevq b kvlv mg~n K cöavb Kvh vj qi kvlv wbqš Y wefv Mi 03 AvMó 2005 Zvwi Li 02/2005 b ^i cwic Îi wb ` kbv AbymiY Ki Z n e D³ wnmv e 6 % (Pµe w ) nv i mỳ cö`vb Ki Z n e kvlv wbqš Y wefv Mi Zvwi Li mvk yjvi juvi bs-02/2011 Gi wb ` kbv gvzv ek D³ mvk yjvi juvi Rvixi ci n Z Lvjv wnmve wji mỳ nvi 9% (Pµe w ) n e cö `q mỳ 133/37we ÒivKve MÖvgxY cbkb mâq cökí Gi cö `q my`ó Lv Z wnmvef~³ Ki Z n e 3.17 ivkve wkÿv mâq cökít ivkve wkÿv mâq cökí Gi wnmvevq b kvlv wbqš Y wefv Mi 6 deªƒqvix 2006 Zvwi Li 03/2006 b ^i cwic Îi wb ` kbv cwicvjb Ki Z n e D³ wnmv e 6 % mỳ wnmve Ki Z n e kvlv wbqš Y wefv Mi Zvwi Li mvk yjvi juvi bs-03/2011 Gi wb ` kbv gvzv ek D³ mvk yjvi juvi Rvixi ci n Z Lvjv wnmve wji mỳ nvi 9% (Pµe w ) n e 133/37wm ÒivKve wkÿv mâq cökí Gi cö `q mỳ Ó wnmve LvZ K WweU K i mỳ wnmvef~³ Ki Z n e G wnmve n Z wbqgvbyhvqx Dr m AvqKi I AveMvix ïé KZ b K i µwwu G vwfvb mi gva g cöavb Kvh vj q cöiy Ki Z n e Pjgvb cvzv bs-04

4 cvzv bs ivkve mšívb/mšíwz weevn mâq cökít ivkve mšívb/mšíwz weevn mâq cökí Gi wnmvevq b kvlv wbqš Y wefv Mi 11 m Þ ^i, 2006 Zvwi Li cwicî bs- 07/2006 Gi wb ` kbv cwicvjb Ki Z n e D³ wnmv e 6.00% (Pµe w ) nv i evrmwik wfwë Z mỳ cö `q n e kvlv wbqš Y wefv Mi Zvwi Li mvk yjvi juvi bs-04/2011 Gi wb ` kbv gvzv ek D³ mvk yjvi juvi Rvixi ci n Z Lvjv wnmve wji mỳ nvi 9% (Pµe w ) n e D³ wnmv e cö `q mỳ 133/37wW ÒivKve mšívb/mšíwz weevn mâq cökíó Gi cö `q mỳ Lv Z wnmvef~³ Ki Z n e 3.19 ivkve n¾ mâqx wnmvet ivkve n¾ mâqx wnmve Gi wnmvevq b kvlv wbqš Y wefv Mi 3 Rvbyqvix 2006 Zvwi Li 02/2006 b ^i cwic Îi wb ` kbv AbymiY Ki Z n e GB wnmvewu mỳ wenxb wnmve niqvq mỳ I Dr m AvqKi KZ bi cö qvrb n e bv Z e wbqgvbyhvqx cwäkv eqi k l AveMvix ïé KZ b Ki Z n e G ÿ Î 133/45 ÒivKve n¾ mâqx wnmve Gi cö `q AveMvix ïéó wnmve LvZ K WweU K i 221 LvZ mswkøó n¾ mâqx wnmve µwwu Ki Z n e AZtci n¾ mâqx wnmve n Z AveMvix ïé KZ b K i A_ vr 221 LvZ mswkøó mkj n¾ mâqx wnmve WweU K i 111- ivkve mvaviy wnmve LvZ K µwwu K i µwwu G vwfvb mi gva g KZ bk Z AveMvix ï éi mgcwigvy UvKv cöavb Kvh vj q cöiy Ki Z n e 3.20 mâqx wnmve- zj e vswks(school Banking)t ivkve, kvlv wbqš Y wefv Mi mvk yjvi juvi bs-01/2013 ZvwiLt Gi wb ` kbv gvzv ek mâqx wnmve- zj e vswks(school Banking) Gi wnmve Lvjv, mỳ nvi, cö `q mỳ wnmvevqb c wz AbymiY Ki Z n e 3.21 ivkve M wnyx mâq xgt ivkve, kvlv wbqš Y wefv Mi mvk yjvi juvi bs-10/2014 ZvwiLt Gi wb ` kbv gvzv ek ivkve M wnyx mâq cökí Gi wnmve Lvjv, mỳ nvi, cö `q mỳ wnmvevqb c wz AbymiY Ki Z n e wewfbœ AvgvbZ wnmv e mỳ nvi msµvší kvlv wbqš Y wefv Mi me kl Zvwi Li mvk yjvi juvi bs-06/2014, Zvwi Li kvwbwe mvk yjvi bs-11/2014, Zvwi Li kvwbwe mvk yjvi bs-01/2015 Ges Zvwi Li mvk yjvi bs-02/2015 Gi mvims ÿc wb œ mk ji myweavi Rb D jøl Kiv n jv PjwZ A_ eq i Avgvb Zi mỳ nvi we klz vqx AvgvbZ (GdwWAvi) Gi mỳ nvi GKvwaKevi cwiez b niqvq Avmbœ evwl K wnmve mgvcbxkv j kvlv KZ K mwvk nv i mỳ wnmvevq bi myweav _ cy iv A_ eq ii Rb Kvh Ki mỳ nvi wb œ ewy Z n jv t Avgvb Zi aiy Kvh Ki ZvwiL mỳ nvi 01 mâqx AvgvbZ t K) knivâj n Z A` vewa 5.00% L) cjøx n Z A` vewa 6.00% M) cöevmx `i cöwiz A_ (knivâj) n Z A` vewa 6.00% N) mâqx wnmve zj e vswks n Z A` vewa 7.00% O) UvKvq Lvjv K lk `i AvgvbZ wnmve n Z A` vewa cö hvr nvi A cÿv 1% ekx 02 úkvj bvwuk ww cvwru (SND) t K) 1.00 KvwU UvKvi Kg n Z A` vewa 4.25% L) 1.00 KvwU I Z`ya wkš KvwU UvKvi Kg n Z A` vewa 4.25% M) KvwU I Z`ya wkš KvwU UvKvi Kg n Z A` vewa 4.25% N) KvwU I Z`ya wkš KvwU UvKvi Kg n Z A` vewa 4.25% O) KvwU UvKv I Z`ya n Z A` vewa 4.25% Pjgvb cvzv bs-05

5 cvzv bs gqv`x AvgvbZt ey bv n Z ch ší mỳ nvi mvaviy cövwzôvwbk (b~ bzg 1.00 KvwU) n Z ch ší n Z ch ší n Z A` vewa 1 gvm n Z 3 gv mi Kg % 7.50% 7.00% 6.50% 3 gvm n Z 6 gv mi Kg 9.50% 9.50% 9.00% 8.50% 8.00% 6 gvm n Z 1 eq ii Kg 9.50% 9.50% 9.00% 8.50% 8.00% 1 eqi n Z 2 eq ii Kg 9.50% 9.50% 9.00% 8.50% 8.00% 2 eqi I Z`yaŸ (m e v P 3 eqi) 9.50% 9.50% 9.00% 8.50% 8.00% 04 AvgvbZ xgmg~ ni mỳ nvi t Kvh Ki ZvwiL mỳ nvi gšíe K) ivkve Wvej gvwb xg (RDMS) % n Z A` vewa (6 1 / 2 eq i wø Y) ší ÿ ( % n Z ZvwiL n Z wnmve (6 eq i wø Y) ch ší Lvjv wnmv ei ÿ Î Lvjv eü) 11.25% n Z ez gvb (6 1 / 2 eq i wø Y) ch ší Lvjv wnmv ei ÿ Î L) ivkve wuªcj gvwb xg (RTMS) n Z A` vewa 10.51% (11 eq i wzb Y) n Z ZvwiL ch ší Lvjv wnmv ei ÿ Î ( n Z wnmve 11.62% (10 eq i wzb Y) n Z ZvwiL ch ší Lvjv wnmv ei ÿ Î Lvjv eü) 11.02% (10 1 / n Z ez gvb ch ší Lvjv wnmv ei ÿ Î M) ivkve gvwmk gybvdv xg (RMPS) % 5 eqi gqv`x ZvwiL n Z bzzb wnmve Lvjvi ÿ Î N) ivkve wgwjqwbqvi ww cvwru xg (RMDS) h_vµ g 5, 7 I 10 eqi gqv `i ÿ Î ZvwiL n Z bzzb wnmve Lvjvi ÿ Î % O) ivkve gvwmk mâq xg (RMSS) h_vµ g 8.75%, h_vµ g 3, 5 I 8 ZvwiL 9.25% I 9.50% eqi gqv `i ÿ Î n Z A` vewa P) ivkve mâq xg (RSS) H 9.00% 7 eqi gqv`x Q) K lk mâq xg (KSS) H 9.00% 7 eqi gqv`x R) wk K mâq cökí H 8.50% 5 eqi gqv`x S) z`ª mâq cökí (gvb µv mwfsm xg) H 8.50% 5 eqi gqv`x T) ivkve `wbk jvf wnmve (RDP) H 5.00% nv i `wbk w wzi Dci mỳ v ivc Kiv n e `wbk me wb œ w wz Uvt 20000/- _vk Z n e S) ivkve MÖvgxY cbkb mâq cökí(rgps) H 9.00% 5 I 10 eqi gqv`x T) ivkve wk v mâq cökí (RESS) H 9.00% 5 I 10 eqi gqv`x U) ivkve mšívb-mšíwz weevn mâq cökí H 9.00% 5,10 I 15 eqi gqv`x V) ivkve n¾ mâqx wnmve H mỳ wenxb 1 n Z 10 eqi gqv`x Y) ivkve M wnyx mâq xg (RGSS) % (Pµe w ) 5 eqi Pjgvb cvzv bs-06

6 cvzv bs Ab vb AvgvbZ / x gi wnmvet ivrkvnx K wl Dbœqb e vs Ki mâq xg hgb- mâqx wnmve (K lk), mâqx wnmve (AwZ `wi`ª Rb Mvôx), zj e vswks I cöpwjz Ab vb xg Ges AvgvbZ wnmve mg~ ni Dci wba vwiz nv i mỳ wnmvevqb K i wnmvef~³ Ki Z n e GQvovI kvlv mg~ ni myweav _ AvgvbZ wnmvelvz mg~ ni bvg cö `q mỳ wnmvelvz wb œ D jøl Kiv n jvt wnmve LvZ wnmv ei bvg cö `q mỳ wnmvelvz 215 ww cvwru cbkb xg 133/37(a) 219 ivkve cbkb xg 133/37(a) 220 ivkve MÖvgxb cbkb xg 133/37(b) 221 ivkve n¾ mâqx wnmve 133/ ivkve wkÿv mâq cökí 133/37(c) 223 ivkve mšívb/mšízx weevn mâq cökí 133/37(d) 224 ivkve mâq xg 133/37(e) 225 K lk mâqx wnmve 133/ AwZ `wi`ª Rb Mvôxi Rb mâqx wnmve 133/ K lk mâqx xg ( K Gm Gm) 133/37(f) 228 ivkve Wvej gvwb xg (Avi ww Gg Gm) 133/37(g) 229 ivkve `wbk jvf wnmve (Avi ww wc) 133/37(h) 230 eq fvzv wnmve 133/37(i) 231 A ^ Qj cöwzeüx fvzv wnmve (Avi ww wc) 133/37(i) 232 weaev I ^vgx cwiz ³v `yt gwnjv `i wnmve 133/37(i) 233 ivkve wuªcj gvwb xg (Avi wu Gg Gm) 133/37(j) 234 ivkve gvwmk gybvdv xg (Avi Gg wc Gm) 133/37(k) 235 ivkve gvwmk mâq xg (Avi Gg Gm Gm) 133/37(l) 236 ivkve wgwjqwbqvi ww cvwru xg (Avi Gg ww Gm) 133/37(m) 237 mâqx wnmve (AwZ `wi`ª gwnjv) 133/37(n) 238 mâqx wnmve- zj e vswks(school Banking) 133/37(p) 239 ivkve M wnyx mâq xg 133/37(q) 3.23 ivkve, mvaviy wnmve (111, 112, 113, 114 I 115)t cöavb Kvh vjq n Z avi bqv Znwe ji Dci 6% nv i mỳ cö`vb Ki Z n e wbiƒwcz mỳ kvlvi Ò133/42 cöavb Kvh vjq n Z avi bqv Znwe ji mỳ Ó LvZ K WweU Ki Z n e Ges 111- mvaviy wnmve K µwwu K i µwwu G vwfvbm cöavb Kvh vj q cöiy Ki Z n e Aciw` K cöavb Kvh vjq K avi `qv Znwe ji Dci 7% nv i mỳ PvR Ki Z n e Ges wbiƒwcz mỳ kvlvi Ò46/10 cöavb Kvh vjq K avi `qv Znwe ji mỳ Ó LvZ K µwwu Ges 111- mvaviy wnmve K WweU K i WweU G vwfvbm cöavb Kvh vj q cöiy Ki Z n e Dc ivwjøwlz LvZ mg~ ni wecix Z mỳ wnmvevqb mwvkfv e m úbœ Ki Z n e Kvb kvlv DwjøwLZ Lv Z Kg/ ekx mỳ cö`vb Ki j Ges ciez x Z hvpvbkv j kbv³ n j mswkøó kvlv e e vck I 2q Kg KZ v K e w³mzfv e `vqx K i K Vvi cökvmwbk e e v MÖnY Kiv n e ermi I Z`~aŸ A`vexK Z AvgvbZ I g~j evb mvgmöxt e vswks Kv úvbx AvBb 1991 Gi 35 aviv Abyhvqx 10 eqi I Z`~aŸ mgq hver jb `b wenxb A`vexK Z AvgvbZ I g~j gvb mvgmöx K `ªxq wnmve wefvm-1 Gi Zvwi Li cî bs- cökv/ Kwnwe-1/55(1)/ /2660(20)/26, Zvwi Li cî bs-cökv/ Kwnwe-1/55/ /3115(20)/25 Ges Zvwi Li cî bs- Kwnwe-1/cwicÎ bs-02/2013 gvzv ek cöwz e`b (evsjv I Bs irx) Ges GKxf~Z weeiyxmn (nvw I md&u Kwc) µwwu G vwfvbm cöiy Kivi Rb ejv n jv kvlv e e vckmy G wel q e w³mzfv e mzk _vk eb hv Z evsjv `k e vsk cwi`k b `j GZ`wel q Kvb AvcwË DÌvcb Ki Z bv cv i Pjgvb cvzv bs-07

7 cvzv bs Dr m Ki KZ bt K) AvgvbZt Zvwi L AvgvbZ wnmve mg~ n cö`ë my`/gybvdvi Dci wuavbgb i q Q Ggb e w³/cöwzôv bi e vsk mỳ /gybvdvi Dci 10% nv i Ges wuavbgb bb Ggb e w³/cöwzôv bi e vsk mỳ /gybvdvi Dci 15% nv i Dr m AvqKi KZ b cö hvr n e Z e h mkj e w³/cöwzôv bi wuavbgb bb Zv `i mâqx e vsk wnmv e A_ eq ii h Kvb mg q gvu w wzi cwigvy 1 (GK) jÿ UvKvi ekx bv n j D³ e vsk wnmv ei mỳ /gybvdvi Dci 10% nv i Dr m AvqKi KZ b cö hvr n e L) mâqc Îi mỳ /gybvdv cö`v bi ÿ Î Dr m AvqKi KZ bt 1 AvqKi Aa v `k, 1984 Gi 52wW aviv Abymv i mâqc Îi mỳ /gybvdv cö`vbkv j 10% nv i Dr m AvqKi KZ bi weavb Av Q Z e G aviv cö_g Proviso Abymv i 1,50,000/- UvKv ch ší mỳ /gybvdv cö`vbkv j Dr m AvqKi KZ b cö hvr wqj bv G Dr m AvqKi KZ bi Ae vnwz mxgv msµvší weavb RvZxq msm` KZ K Aby gvw`z A_ wej 2010 G cöz vnvi Kiv n q Q A_ vr ez gvb weavb Abyhvqx h Kvb As Ki mỳ /gybvdv cö`v bi ejvq 10% nv i Dr m AvqKi KZ b cö hvr n e G weavb ev ZrcieZx Z mỳ /gybvdv cö`v bi ejvq Kvh Ki n e D jøl, 1 RyjvB, 2011 Zvwi Li c~ e µqk Z cbkbvi mâqcî, cwievi mâqcî I I qr Avb vi W fjc g U eû Dr m AvqKi KZ bi AvIZv ewnf ~Z _vk e 2 1 RyjvB, 2011 ZvwiL n Z wb œewy Z mâq xgmg~ ni gybvdvi Dci 5% nv i Dr m Ki KZ b Ki Z n e mâq xgmg~n n Q t cwievi mâqcî cbkbvi mâqcî I qr Avb vi W fjc g U eû 5(cuvP) eqi gqv`x evsjv `k mâqcî 3(wZb) gvm AšÍi gybvdvwfwëk mâqcî Dr m AvqKi KZ bk Z UvKvi µwwu G vwfvbm Zvwi L mivmwi cöavb Kvh vj qi K `ªxq wnmve wefvm- 1 G Rvbvj Kvh vj qi gva g Rbve wiwrqv myjzvbv, Da Zb gyl Kg KZ v Gi bv g Avjv`v Lv g cöiy Ki Z n e XvKv kvlv Ges vbxq gyl Kvh vjq Gi Dr m AvqK ii G vwfvbm mivmwi cöavb Kvh vjq,ivrkvnx Z cªiy Ki e 3.26 f vu I U v KZ bt mkj kvlv/kvh vjq KZ K cö`vbk Z mkj cökvi mev/wej n Z wbqg gvzv ek h_vixwz cö hvr nv i f vu I U v KZ b Ki Z n e KZ bk Z f vu I U v h_vixwz mikvwi KvlvMv i Rgv Ki Z n e GQvov e vs Ki wewfbœ kvlv/kvh vj q Kw úduvivb Rk bi AvIZvq AeKvVv gv Dbœqbmn wewfbœ Kv R wej cö`vb Kiv n q _v K, Gme wej n Z wbqgvbyhvqx f vu/u v KZ b Ki Z n e cö `q wnmvet cö `q wnmve Lv Z Awb úbœ Gw Uªmg~n wb ú bœi Rb kvlv e e vck mkj cökvi c` ÿc MÖnY Ki eb, hv Z 30 Ryb 2013 Zvwi L kvlvq Kvb Awb úbœ Gw Uª Aewkó bv _v K hyw³msmz KviY Qvov cyivzb Kvb Gw Uªi Ri bzzb erm i U b bqv hv e bv K `ªxq wnmve wefvm-1 Gi Bs Zvwi Li cî bs-cökv/ Kwnwe-1/64(13)/ /7984(397) Gi wb ` kbv gvzv ek Amgš^ qi KviYmn Awb úbœ Gw Uªmg~ ni c~y weeiy D jølc~e K cö `q wnmv ei ZvwjKv cöavb Kvh vj qi K `ªxq wnmve wefvm-1 cöiy Ki Z n e Av`vq hvm wnmvet (K) G Lv Z Awb úbœ Gw Uª mgyn h_vm e mgš^q Ki Z n e Ges h_vh_ h w³kzv e ZxZ 2 gv mi AwaK Amgwš^Z Kvb Gw Uª ciezx eq i Ri Uvbv hv e bv kvlvq WvK LiP wbe v ni Rb cö`ë AwMÖ gi UvKv 30 Ryb Zvwi L mgš^q K i ciezx A_ eq ii 1g Kvh w`e m 131/11 -Av`vq hvm wnmve LvZ WweU K i bzzb AwMÖg cö`vb Kiv hv e (L) 30Ryb, 2015 Zvwi L GB wnmv e Amgwš^Z Gw Uª mgyn GwmGd/80 di g we ÍvwiZfv e `Lv Z n e GB wnmv ei cöwzwu Dc-wnmve K c _K wk ivbv g `Lv Z n e Ges Dnvi bx P Amgwš^Z Gw Uªmgy ni we ÍvwiZ ey bv w` Z n e me kl c ôvq cö Z K Dc-wnmv ei Amgwš^Z w wzi GKÎxfzZ mgš^q weeiyx Zix Ki Z n e GB mkj Dc-wnmve Lv Zi hvmdj 30 Ryb, 2015 Gi elwqk weeibxi 131-cÖvc wnmv ei w wzi mv _ wgj e K `ªxq wnmve wefvm- 1 Gi Bs Zvwi Li cî bs-cökv/ Kwnwe-1/64(13)/ /7984(397) Gi wb ` kbv gvzv ek Amgš^ qi KviYmn Awb úbœ Gw Uªmg~ ni c~y weeiy D jølc~e K Av`vq hvm wnmv ei ZvwjKv cöavb Kvh vj qi K `ªxq wnmve wefvm-1 -G cöiy Ki Z n e Pjgvb cvzv bs-08

8 3.29 mỳ gikz di A_ cöavb Kvh vj q cöiyt cvzv bs-08 evwl K/Aa -evwl K wnmve mgvcbxi elwqk weeiyxmg~n ch v jvpbv Ki j cözxqgvb nq h, kvlvmg~ n wewfbœ mỳ giky di wnmve AcwiewZ Z _vkv eâbxq jÿ Kiv hvq h, mỳ gikz di wnmve wewfbœ mg q wewfbœ fv e Dc vcb Kiv nq GB RwUjZv _ K wbim Yi Rb wb œ ewy Z LvZmg~ ni mỳ gikz di A_ WweU G vwfvb mi gva g Zvwi Li g a K `ªxq wnmve wefvm-1 G cöiy Kivi Rb ejv n jv ciez x Z D³ mỳ gikz di LvZmg~ n Kvb AsK cö`wk Z n j wbqš YKvix Kg KZ vmn mswkøó mkj K Revew`wnZvi AvIZvq Avbv n e h mg Í mỳ gikz di A_ cöavb Kvh vj q cöiy Ki Z n e Zv mswkøó mk ji wnmvevqb myweavi Rb wb œ `qv n jv cöm½zt D jøl h, A_ eq ii Avw_ K cöwz e`b e vsk I Avw_ K cöwzôvb wefvm, A_ gš Yvj q AbywôZ P~ovšÍKiY Av jvpbv mfvi wm vší gvzv ek ewy Z LvZ mg~ n Amgwš^Z w wzi Rb cöwfkb msiÿy K i mivmwi jvf-ÿwz wnmv e wnmvevqb Kiv n q Q µwgk bs ey bv Lv Zi Kv Wi bvg 1 BDGbwmwWGd F Yi mỳ gikzd 131/11(GBP) 2 ZuvZ F Yi mỳ gikzd 131/11(wR) 3 K wl F Yi mỳ gikzd (5000 UvKv ch ší) 131/11( K) 4 ZuvZ F Yi `Ð mỳ 131/11(Gg) 5 mỳ wi eu(e vs Ki Ask) 131/11(Gb) 6 wø Yi AvIZvq mỳ gikzd 131/11(wc) 7 ^wbf i F Yi mỳ gikzd 131/11(I) 8 km F Yi mỳ gikzd 131/11(Gd) me UvKvi cwigvy (cök Z UvKvi As K) Dc i ewy Z LvZmg~ n Ges ZrcieZ x Z Kvb mg qb elwqk weeiyx Z AsK cö`wk Z n e bv Kbbv GB LvZ mg~ n Kvb jb `b msnwuz nevi my hvm bb K vwkqvi/ mnkvix K vwkqvi `i wbivcëv RvgvbZt K vwkqvi/ mnkvix K vwkqvi `i wbivcëv RvgvbZ Gi Dci wnmve g vby q ji Aby Q ` ewy Z wb ` k gvzv ek 12% nv i mỳ wnmve K i 133/37 wnmve LvZ K WweU K i mỳ wnmvef~³ Ki Z n e D jøl, cö`ë my `i Dci cö hvr nv i h_vixwz Dr m AvqKi KZ b Ki Z n e 3.31 Ryb gv mi ezb cö`vbt mkj Kg KZ v/kg Pvix `i Ryb gv mi ezb 21 Ryb Zvwi L cö`vb Ki Z n e A vqx Kg KZ v/ Kg Pvix `i ezb GKB w` b cö Z c~e K Dnv 41/3 ÒAweZwiZ ezbó cö `q wnmv e ivl Z n e Ges gv mi kl Kvh w`e m mswkøó Kg KZ v/ Kg Pvix K cö`vb Ki Z n e 3.32 F Yi Dci mỳ Av ivct Avmbœ evwl K wnmve mgvcbx Dcj ÿ FY I AwMÖ gi Dci wb œ ewy Z mvk yjvi I mvk yjvi juv ii wb ` kbv gvzv ek mỳ Av ivc Ki Z n et mvk yjvi/ mvk yjvi juvi bs ZvwiL mỳ nvi Kvh Kix mgqkvj FY I AwMÖg wefvm-1 mvk yjvi bs-03/ n Z FY I AwMÖg wefvm-1 mvk yjvi bs-01/ n Z A` vewa 3.33 Af šíixy e vsk M vivw U/weW eû/cvidi gý M vivw U-BZ vw` Bmÿ t ivkve, FY I AwMÖg wefvm-1 Gi mvk yjvi juvi bs-05/2012 ZvwiLt gvzv ek Af šíixy e vsk M vivw U/weW eû/cvidi gý M vivw U-BZ vw` Bmÿ wbwðz Ki Z n e 3.34 e vsk iut Bs ZvwiL n Z ch ší evsjv `k e vsk Gi mỳ nvi Z_v e vsk iu 5.00% Pjgvb cvzv bs-09

9 cvzv bs Kg Pvix `i K cö`ë FY I AwMÖ gi mỳ t wnmve g vby q ji Aby Q ` ewy Z wb ` kvejx AbymiY K i gäyix c Îi kz vbyhvqx Kg Pvix `i K cö`ë FY I AwMÖ gi Dci mỳ Av ivc K i h_vh_ Lv Z wnmvef~³ Ki Z n e 3.36 FY Ae jvcb (Write off)t FY Ae jvcb Gi wnmvevqb I Z_ msiÿy msµvší Kvh vw`i ÿ Î FY Av`vq wefvm-2 Gi mvkz jvi bs- 03/2003 ZvwiLt I mvk yjvi juvi bs-04/2003 ZvwiLt Ges K `ªxq wnmve wefvm-1 Gi mvkz jvi bs- 05/2003 ZvwiLt h_vh_fv e AbymiY Ki Z n e GQvovI K `ªxq wnmve wefvm-1 Gi cökv/ Kwnwe-1/cwicÎ bs-12/2009 ZvwiLt Ges cökv/ Kwnwe-1/mvK yjvi juvi bs-1/2010 ZvwiL AbymiY Ki Z n e D jøl, mvaviy LwZqv b GZ`msµvšÍ `ÕywU cöavb K Uªv wnmve LvZ Lvjv n q Q hv 611 I 1211 D³ wnmve Lv Zi w wzi cwigvy me `vb mgvb n e welqwui cöwz ` wó ivl Z n e 3.37 kªyx web vwmz F Yi mỳ wnmvevqb/ 52 mỳ wmz wnmve- Abv`vqx mỳ (52/Interest Suspense Account- Uncollected Interest)t (K) FY Av`vq wefvm-2 Gi Zvwi Li mvk yjvi bs-02/2012, Bs Zvwi Li mvk yjvi bs- 03/2013 Ges mvk yjvi bs-04/2013 ZvwiLt Gi gva g RvixK Z h_vµ g evsjv `k e vs Ki weaviwcww mvkz jvi bs-14 ZvwiL , weaviwcww mvk yjvi bs-19 ZvwiLt Ges weaviwcww mvk yjvi bs-05/2013 ZvwiLt Gi wb ` kbv gvzv ek h mg Í Pjgvb FY, Zjex FY I gqv`x F Yi wkw Í 2gvm I Z`yaŸ wkš 3 gv mi Kg mgqkvj hver gqv `vëxy Ae vq Abv`vqx _vk e m mkj F Yi m ú~b w wz ÒSpecial Mention Account" wnmv e wpwýzkizt D³ F Yi Dci Av ivwcz mỳ AvqLv Z wnmvefz³ Kiv hv e Z e wb œgvb I m `nrbk (SS & DF) köyxk Z F Yi Dci avh K Z mỳ Avq Lv Zi cwie Z 52- mỳ wmz wnmve- Abv`vqx mỳ ( 52/Interest Suspense Account- Uncollected Interest) Lv Z msiÿy Ki Z n e g g h wb ` kbv `qv n q Q m gvzv ek e e v wb Z n e ZvQvov g ` I Kz köyxk Z FY wnmv e Kvb mỳ avh n e bv (L) kªyxweb vwmz FY ev F Yi Ask Av`vq n j A_ vr FY wnmv e cök Z Rgv msnwuz n j, D³ Rgv n Z cö_ gb Av ivwcz mỳ Av`vq Ki Z n e, AZtci Avmj FY mgš^q n e 3.38 A_ FY Av`vjZ I mvwu wd KU Kmt e vsk KZ K `v qik Z mvwu wd KU Kmmg~ n `vexk Z UvKvi Dci mij nv i mỳ v ivc Ki Z n e Z e A_ FY Av`vjZ gvgjvmg~ ni ÿ Î A_ FY Av`vjZ AvBb-2003 Gi weavb gvzv ek mỳ v ivc Ki Z n e 3.39 jvf-ÿwzi wnmvet kvlv 30 k Ryb ZvwiL wfwëk cö ZK Z jvf-ÿwzi G vwfvbm Rvbvj Kvh vj qi gva g cöavb Kvh vj qi K `ªxq wnmve wefvm-1 eivei cöiy Ki e kvlv _ K mivmwi cöavb Kvh vj q Kvb G vwfvbm cöiy Kiv hv e bv D jøl jvfÿwzi cöwz e`b (mshyw³ ÔL' ) Gi 48, 49, 50 bs µwg K ew Y Z Z_ vw`i mv _ cöwiz jvf- jvkmvb A vwfvb mi Aek B wgj _vk Z n e vbxq gyl Kvh vjq Ges XvKv kvlv mivmwi cöavb Kvh vj q G vwfvbm cöiy Ki e K) jvf n j wnmve c wz t 13-jvf ÿwzi wnmve- WweU (13-jvf ÿwz w wz µwwu n j jvf n e) L) ÿwz n j wnmve c wz (13-jvf ÿwzi w wz WweU n j ÿwz n e) t t t 111-ivKve mvaviy wnmve - µwwu 13-jvf ÿwzi wnmve - µwwu 111-ivKve mvaviy wnmve - WweU 30 Ryb wfwëk evsjv `k e vsk cwi`k b `j KZ K cwi`k b cöwz e` b cöwz eqi evwl K wnmve Gi jvf-ÿwz wnmve mwvk nqwb e j AvcwË DÌvcb K i Ges Quick Summury Report bv g GKwU cöwz e`b `vwlj K i Ges Zv ZvrÿwYKfv e ms kva bi Rb wb ` kbv `qv nq GB ms kvab Kiv e vs Ki fveg~wz bó Ki Q Ab w` K RwUjZv m ywlb n Z n Q ZvB evwl K wnmve mwvk Ges wbf yjfv e cö Z Kivi Rb mswkøó mkj K civgk `qv n jv evwl K wnmve mgvcbxi mwvkzv wel q Kvb cökœ DÌvwcZ n j mswkøó Kg KZ vmy K Gi Revew`wnZv Ki Z n e Pjgvb cvzv bs-10

10 cvzv bs e q wnmvet RyjvB, 2014 n Z Ryb, 2015 ch ší mkj e q mwvk Dc-Lv Z AšÍf ~³ Ki Z n e Ges gyl LwZqvb eb qi 133 e q wnmve Lv Zi w wzi mv _ mkj e qi Dc-Lv Zi mgwó Aek B wgj Z n e Ryb/2015 ch ší LiP n q Q wkš cwi kvwaz nqwb Ggb e qi wnmv e Avb Z n e wefvmxq Kvh vjq/wefvmxq wbixÿv Kvh vjq/ Rvbvj Kvh vjq/ Rvbvj wbixÿv Kvh vjq Gi LiP eve` GKwU gvî WweU G vwfvbm mwvkfv e cixÿv KiZt G vwfvb mi mv _ we ÍvwiZ Kvh vjq wfwëk LvZIqvix Li Pi ZvwjKv Dc-Lv Zi µwgk bs-(133/2, 133/3,...) Abymv i cö Z K i Dnvi g~j Kwc Ges G vwfvbm mswkøó Rvbvj Kvh vj qi gva g K `ªxq wnmve- 1 G wba vwiz Zvwi Li g a c uqv Z n e Kvb Ae v ZB kvlvmg~n G vwfvbm mivmwi cöavb Kvh vj q cöiy Ki e bv 3.41 gwbnvix `ªe vw` mieivn wnmvet 30 Ryb ch ší kvlv KZ K e eüz gwbnvix I mieivnk Z `ªe vw` hgbt wnmv ei ewn, iwróvi I Ab vb gyw`ªz dig BZ vw`i LiP 133/21-G WweU Ges wecixzµ g gwbnvix I mieivn wnmve LvZ 132 µwwu Ki Z n e evwl K wnmve mgvcbxi Ab vb weeiyxi mv _ GwmGd-85 Gi gva g 30 Ry bi grỳ gwbnvix `ªe vw`i weeiyi `vwlj Ki Z n e 3.42 m ú` I m úwë wnmvet mkj m úwë wnmv ei ( WW ók, `vjvb, gvui hvb BZ vw`) AeP qi weeiyx A_ vr GwmGd-197 (ms kvwaz) mshyw³-ôoõ Gi 10bs Kjv g cö`wk Z me gvu AeP qi AsK Aek B Li Pi DcLvZ 133/30 Z cö`wk Z As Ki mgvb n Z n e Ges D³ weeiyxi 12 bs Kjv g cö`wk Z 30 k Ryb Zvwi L m úwëi ÒeyK f vjy" Aek B wnmve LvZ 134, 135 I 139 cö`wk Z As Ki mgvb n e D jøl h, 134 wnmve Lv Z wewfbœ Ro`ª e i DcLvZ mgy ni ( hgb-134/1, 134/2, 134/3, 134/4) AePq ZvwjKv Avjv`vfv e `Lv Z n e Ges DcLvZ mgy ni Dc-mgwó Aek B cö`k b Ki Z n e ZvQvov mshyw³ ÔO' gvzv ek AeP qi GKwU weeiyx AÎ wefv M cöiy Ki Z n e m ú `i evwl K AeP qi nvi wb œiæct µwgk bs m ú `i bvg evwl K AeP qi nvi (K) AvmevecÎ I mvrmiävg 10% (L) Awd mi hš cvwz 20% (M) e`ÿ wzk miävg 20% (N) Awdm miävg 15% (O) gvui Mvox I Ab vb hvbevnb 20% µqg~ j i Dci wefvmxq Kvh vjq, wefvmxq wbixÿv Kvh vjq, Rvbvj Kvh vjq I Rvbvj wbixÿv Kvh vjq Gi AeP qi weeiyx (GwmGd- 197) Avjv`v Avjv`vfv e cöiy Ki Z n e 3.43 ezb Av qi AvqKit Dc iv³ wel q K `ªxq wnmve wefvm-1 Gi mvk yjvi bs-cökv/ Kwnwe-1/mvK yjvi bs-01/2015 ZvwiLt gvzv ek mkj Ki hvm Kg KZ v/kg PvixM Yi AvqKi ezb n Z Av`vq wbwðz Ki Z n e gvwmk ezb n Z ezb AvqKi KZ b bv Ki j mswkøó ezb cö`vbkvix Kg KZ vmy `vqx _vk eb ezb n Z KZ bk Z AvqKi h_vixwz ZvwjKvmn cöavb Kvh vi q cöiy wbwðz Ki Z n e 3.44 Computerized kvlvi wnmve mgvcbxt 1. Computerized kvlvmg~ n Infinity Banking Software (IBS) n Z wnmve mgvcbx c~e (before closing) I wnmve mgvcbx DËi (after closing) statement of affairs (ACF- 137) Gi e e vck I wøzxq Kg KZ vi ^vÿwiz úó wcö U Kwc K `ªxq wnmve wefvm-1 G cöiy Ki Z n e GKwU K i Kwc kvlvq msiÿy Ki Z n e 2. wnmve mgvcbxi w` bi Kv Ri fvi jvn ei ^v _ wb œv³ Scheme jvi mỳ posting Gi KvR 28 Ryb n Z ïiæ K i h Kvb w`b Kiv h Z cv i RAKUB Triple Money Scheme (RTMS), RAKUB Monthly Savings Scheme (RMSS), RAKUB Millionaire Deposit Scheme (RMDS), RAKUB Sanchay Scheme (RSS) RAKUB Grameen Pension Sanchay Scheme (RGPS), RAKUB Monthly Profit Scheme (RMPS), RAKUB Grehini Sanchay Scheme (RGSS), Krishok Sanchay Scheme (KSS). Pjgvb cvzv bs-11

11 cvzv bs Computerized kvlvmg~ n wnmve mgvcbxi w` b Ab vb w` bi b vq Aek B wbqwgz e vkavc MÖnYmn mkj wi cvu Gi HTML format -G e vkavc msiÿy Ki Z n e 4. Computerized kvlvmg~ n cybtzdwmjk Z FY wnmv e PvR K Z mỳ e vswks mdu&iq v ii gva g Auto posting `qvi mgq 46/1-F Yi mỳ Avq (Interest on Loans) -Gi cwie Z 52-mỳ wmz wnmve-abv`vqx mỳ (Interest Suspense Account-Uncollected Interest) -G wb Z n e 04 evwl K wnmve mgvcbxi Rb kvlvmg~ n h mkj cöwz e`b I weeiyx Zix K i Zv cöavb Kvh vj q cöiy Ki Z n e Zvi GKwU ZvwjKv Ômshyw³- KÕ G `qv n jv cöwz e`b I weeiyx mg~n Zix Kivi mgq wb œv³ welq wji Dci g bv hvmx n Z n e (K) (L) (M) mg Í weeiyx Z kvlv I Rv bi bvgmn weeiyx mwvk e j kvlv e e vck I 2q Kg KZ v (bvg, mxj I ^vÿimn) cöz qb Ki eb cöwz e`b I weeiyx Z wjwlz A ¼i m ½ elwqk weeiyxi (GwmGd-37) A ¼i Aek B wgj _vk Z n e elwqk weeiyx Z (GwmGd-37) DwjøwLZ wewfbœ wnmv ei A ¼i m ½ mvaviy LwZqvb I Ab vb LwZqv bi mswkøó cöavb I Dc-LvZ mg~ ni wnmv ei A ¼i Aek B wgj _vk e GwmGd-37 Kwc Kivi ci Aek B hvpvb Ki Z n e Ges hvpvbkvixi ^vÿi elwqk weeiyxi Kfv i w` Z n e GwmGd- 37 G Kvb LvZ bv _vk j D³ LvZ úó K i wjlvi ci D³ Lv Zi wecix Z WweU µwwu Ges w wzi AsK wjl Z n e Kvb Lv Zi w wz bv _vk ji WweU µwwu mv gkb Gi AsK cö`k b Ki Z n e GQvovI h mkj Lv Zi cöviw K I mgvcbx Dfq w wzi weeiyx cö`vb Ki Z nq m mkj weeiyxi cöviw K w wzi m ½ wemz eq ii mgvcbx w wzi wgj _vkv evãbxq Ab _vq wnmve Lv Zi gyf g U msµvší wbixÿv AvcwËi m ylxb n Z nq elwqk weeiyxi (GwmGd-37) cöwzwu cvzvq jvj Kvwj Z WweU, µwwu Ges w wzi mwvk hvmdj wjl Z n e GwmGd-37 G cöavb Lv Zi mv _ Kvbµ gb Dc-LvZ `Lv bv hv e bv 05 wnmve g vby qj Ges GB wefv Mi wewfbœ mg q RvixK Z cwicî I cî Abyhvqx evwl K wnmve mgvcbx msµvší mkj weavbvejx mwvkfv e cwicvjb I jvf-ÿwzi wnmve cö Z Ki Z n e GQvov FY kªyxkiy I F Yi mỳ Avq Lv Z wnmvef~w³kiy wel q FY Av`vq wefvm- 2 Gi mgq mgq RvixK Z cwicî cy Lvbycy Lfv e AbymiY Ki Z n e FY kªyxweb vm cöwz e` b I Ab vb cöwz e` b hb kvlvi cök Z wpî cöùzwuz nq m wel q mswkøó mkj K mzk Zv Aej ^ bi Rb ejv n jv FY kªyxweb vm cöwz e`b, jvf-ÿwzi wnmve cö Z I elwqk weeiyx cö ZKi Y Dc iv³ wb ` kvejxi Kvb e Z q cwijwÿz n j mswkøó Kg KZ v/ Kg Pvix, wøzxq Kg KZ v I e e vck K e w³mzfv e `vqx Kiv n e 06 ivkve, kvlv mg~n KZ K cwipvwjz mvbvjx/ RbZv/ AMÖYx/b vkbvj I Ab vb e vs Ki kvlv mg~ n GmGbwW wnmv ei w wzi wecix Z mwvk cwigvy mỳ cö`vb Kiv n q Q wkbv Zv mswkøó kvlv e e vck K wbwðz n Z n e Ges e v jý Kbdvi gkb mvwu wd KU msmön c~e K (GwmGd 82 I 94 Abyhvqx) wnmve mgvcbx evwû ji m ½ AÎ wefv M cöiy Ki Z n e 07 elwqk weeiyx (mgvcbx DËi I mgvcbx c~e ) (GwmGd- 37) Gi 7 bs µwg K Cash and Cash Items Gi Cash Items `dvq AšÍf ~³ cövbre Ûi cwigvy D³ c ôvi bx P dzu bvu AvKv i `Lv Z n e GQvovI mshy³ QK gvzv ek GKwU c _K weeiyx cöiy Ki Z n e mỳ wmz wnmv e my `i eqiiqvix (mshyw³-r gvzv ek) I Zvij msµvší GKwU weeiyx (mshyw³-q gvzv ek) cöiy Ki Z n e ewnt wnmve wbixÿv dv g i AvcwËi cöwÿ Z A_ gš Yvj qi wb ` kbv gvzv ek QK AÎ cwic Îi m ½ mshyw³ AvKv i cöiy Kiv n jv D³ QK gvzv ek hvwpz Z_ vw` h_vh_fv e mwbœ ek K i kvlv mg~n Rvbvj Kvh vj q cöiy Ki e Rvbvj Kvh vjq kvlv mg~ ni weeiyx GKxf~Z K i kvlvi weeiyxmn Rv bi weeiyx wnmve mgvcbxi Ab vb weeiyxi m ½ GKB gvo K K `ªxq wnmve wefvm- 1 G cöiy Ki Z n e mỳ wmz wnmv ei w wz Aek B elwqk weeiyxi m ½ wgj _vk e 09 evwl K wnmve mgvcbxi ci kvlvmgyn wb œewy Z ZvwjKv Abyhvqx cöwz e`b I weeibx mswkøó Rvbvj e e vc Ki wbku cöiy Ki eb Rvbvj e e vckmy ciez x Z wba vwiz mg q c _K c _K gvo K (1 n Z 8 ch ší) Dnv cöavb Kvh vj qi K `ªxq wnmve wefvm-1 G mswkøó Kg KZ vi bv g cöiy wbwðz Ki eb D jøl, vbxq gyl Kvh vjq I XvKv kvlv DwjøwLZ weeiyx cöavb Kvh vjq Gi mswkøó Kg KZ vi bv g mivmwi cöiy wbwðz Ki eb Pjgvb cvzv bs-12

12 µwgk bs cvzv bs-12 evwl K wnmve mgvcbx cöwz e`b I weeiyx cöi Yi wb ` kbvt weeiyxi bvg kvlv KZ K Rvbvj Kvh vj q cöi Yi kl ZvwiL 01 Ae vi cöwz e`b mshyw³- L gvzv ek 02 mvßvwnk weeiyx Bs Zvwi Li 03 Avq-e q weeiyx mshyw³- M gvzv ek 04 evwl K wnmve mgvcbx PK wjó gvzv ek (mshyw³- K gvzv ek) 05 jvf-ÿwz, 111 mvaviy wnmve Gi mỳ, Dr m AvqKi, g~mk, nvjkv fvrb, Rvbvj Kvh vj qi LiP BZ vw` A vwfvbmmg~n 06 fwel Znwej, mycvq vby qkb, cbkb I Kg Pvix Kj vb Znwej Gi A vwfvbmmg~n 07 mkj cökvi F Yi weeiyx ( ZvwiL wfwëk) GwmGd-83 gvzv ek 08 mkj cökvi Avgvb Zi weeiyx ( wfwëk) GwmGd-112 gvzv ek Rvbvj Kvh vjq n Z cöavb Kvh vj q cöi Yi kl ZvwiL cöavb Kvh vj q hvnvi wbku cuvqv Z n e gvt kl Av kk Djøvn&, mge gvt kl Av kk Djøvn&, mge gvt kl Av kk Djøvn&, mge gvt kl Av kk Djøvn&, mge gvt grb~i ingvb, DgyK gšíe dgmcad1@rakub.org.bd dgmcad1@rakub.org.bd dgmcad1@rakub.org.bd mivmwi K `ªxq wnmve wefvm-2 G cöiy Ki Z n e mivmwi FY I AwMÖg wefvm-1 G cöiy Ki Z n e mivmwi kvlv wbqš Y wefv M cöiy Ki Z n e Dc iv³ m~wp gvzv ek wba vwiz Zvwi Li c i Kvbfv eb cöwz e`b cöiy Kiv hv e bv GRb hw` e vs Ki Kvb fveg~wz ÿzbœ nq m Rb mswkøó mkj K Revew`wnwZvi m ywlb Kiv n e 10 G wel q Kvbiƒc e vl vi cö qvrb n j AÎ wefv Mi mv _ mivmwi hvmv hvm Kivi Rb civgk `qv n jv Avcbvi wek Í Bs ( gvt BDbyQ Avjx) Dc-gnve e vck dvbt Pjgvb cvzv bs-13

13 cvzv bs-13 cî bs-cökv/ Kwnwe-1/26/ /13609 (450) m`q AeMwZ I cö qvrbxq e e v MÖn Yi Rb cöwiz n jvt ZvwiLt 07 Ryb 2015 Lªxóvã 24 R ô 1422e½vã 1 óvd Awdmvi, e e vcbv cwipvjk g nv` qi mwpevjq, ivkve, cöavb Kvh vjq, ivrkvnx 2 óvd Awdmvi, Dc-e e vcbv cwipvjk g nv` qi mwpevjq, ivkve, cöavb Kvh vjq, ivrkvnx 3 óvd Awdmvi, mkj gnve e vck g nv` qi `ßi, ivkve, cöavb Kvh vjq, ivrkvnx 4 gnve e vck g nv` qi óvd Awdmvi, ivkve, wefvmxq Kvh vjq, ivrkvnx/ iscyi 5 mwpe/ mkj Dc-gnve e vck/ wefvmxq cöavb, ivkve, cöavb Kvh vjq, ivrkvnx mswkøó wefv Mi m ½ m úwk Z A_ eq ii hvezxq LiP/ bm` cö`vb, mgš^q mvab I Av`vqKiY Aek B 30 Ryb 2015 Zvwi Li g a m úbœ Ki Z n e wewfbœ wefv Mi aviyk Z mkj bm` I WvKgvïj eve` cö`ë A_ erm ii kl Kvh w`e mi g a mgš^q/ Rgv Ki Z n e K) wefv Mi mkj LiP (hw` _v K) cöwfkb msµvší cîvw` `yõkwc K i cvvv bvi Rb Aby iva Kiv n jv L) mvaviy mev wefvmt e vsk KZ K aviyk Z wewfbœ cöwzôv bi wbivcëv Rvgvb Zi GKwU ZvwjKv 05 RyjvB 2015 Zvwi Li g a GB wefv M cöiy wbwðz Ki Z n e AwaKš cöavb Kvh vj qi ( Uªwbs BbwówUDU mn) WW ók (AePqmn) I ókbvix `ªe vw` m irwg b MYbv I bv ^vwis c~e K cöz qb cîmn Bb f Uix cöwz e`b Zix K i 05 RyjvB 2015 Zvwi Li g a AÎ wefv M Rgv w` Z n e GZ`msµvšÍ wel q evwl K wnmve wbixÿk`j KZ K hv Z Kvb AvcwË DÌvwcZ bv nq m wel q mz K _vkvi Rb civgk `qv n jv M) FY Av`vq wefvm-02t FY kªyxweb vm cöwz e` b hb kvlvi cök Z wpî cöùzwuz nq m wel q gvv ch v q cö qvrbxq wb ` kbv Rvixmn wbweo Z`viwKi e e v MÖnY Ki Z n e evwl K wnmv e AšÍf~ w³i Rb FY kªyxkiy I cöwfkb msµvší mkj kvlvi mskwjz wm.gj.-1 weeiyx, 20 RyjvB 2015 Zvwi Li g a Aek B GB wefv M Rgv w` Z n e G v dqv m i (GwmGd- 37) FY I AwMÖ gi m ½ wgj K i wm.gj.-1 weeiyx cö Z Kivi Rb Aby iva Kiv n jv N) kvlv wbqš Y wefvmt cwic Îi 09 bs Aby Q `i wb ` kbv gvzv ek cövß weeiyx h_vh_fv e msiÿy Ges cö qvrbxq e e v MÖn Yi Rb Aby iva Kiv n jv O) FY I AwMÖg wefvm-1t cwic Îi 09bs Aby Q `i wb ` kbv gvzv ek cövß weeiyx h_vh_fv e msiÿy Ges cö qvrbxq e e v MÖn Yi Rb Aby iva Kiv n jv 6 Dc-gnve e vck,ivkve, wefvmxq wbixÿv Kvh vjq, ivrkvnx/iscyi 7 cökí cwipvjk, GmBwmwc, Dckni, ivrkvnx 8 Aa ÿ, cöwkÿy BbwówUDU, ivrkvnx K wl Dbœqb e vsk, ivrkvnx Zuv `i Awd mi hvezxq LiP, aviyk Z A_ I WvKgvïj eve` cö`ë A_ PjwZ A_ erm ii kl Kg w`e mi g a mgš^q/ Rgv/ Av`vq Ki Z n e GQvov Zuvi Kvh vjq KZ K µqk Z mkj ik gi AvmevecÎ, mvrmiävg, Awdm hš cvwz BZ vw`i bv ^vwismn wba vwiz Q K AePq I Ro gry `i weeiyx Zvwi Li g a cöiy wbwðz Ki Z n e 9 Dc-gnve e vck, GgwWÕm wfwr jý mj, e e vcbv cwipvj Ki mwpevjq, ivkve, cöavb Kvh vjq, ivrkvnx 10 mkj Rvbvj wbixÿv Kg KZ v, ivrkvnx K wl Dbœqb e vsk Zuv `i Awd mi hvezxq LiP Ges aviyk Z A_ I WvKgvïj eve` cö`ë A_ PjwZ A_ erm ii kl Kg w`e mi g a mgš^q/ Rgv/ Av`vq Ki Z n e 11 Awdm bw_/ gnvbw_ Bs ( gvt grb~i ingvb) Da Zb gyl Kg KZ v dvb, d v t /

14 GwmGd- 78 ivrkvnx K wl Dbœqb e vsk... kvlv... Rvb PKwjó evrmwik wnmve mgvcbxi weeiyx ( ) mshyw³t- ÔKÕ µt cvzv µt weeiyxi bvg weeiyxi bvg bs msl v bs 01 weeiyxi m~pxcî (GwmGd-78) 16 e `wkk gỳ ªvi cöwz e`b 02 elwqk weeiyx (mgvcbx DËi I c~e ) (GwmGd- 37) 03 (K) Kg KZ v/ Kg Pvix `i cö`ë AwMÖ gi cöwz e`b (fwel Znwej nb Z FYmn) (GwmGd- 84) (L) Kg KZ v/ Kg Pvix `i cö`ë AwMÖ gi cöwz e`b (mshyw³t- N Abyhvqx) 04 (K) ez gvb erm i m úwëi w wzi Dci avh K Z AeP qi ZvwjKv (ms kvwaz) (GwmGd- 197) (L) ez gvb erm i m úwëi w wzi Dci avh K Z AeP qi ZvwjKv (mshyw³t- O Abyhvqx) 05 evsjv `k e vs Ki mv _ iwÿz bm` Znwe ji cöwz e`b, e vsk wnmve I w wzi mvwu wd KU (GwmGd- 82) 06 mvbvjx e vsk wjt wnmv ei weeiyx w wzi mvwu wd KU Ges mgš^q cöwz e`b (GwmGd-82 I 94) 07 Ab vb e vsk wnmv ei weeiyx w wzi mvwu wd KU Ges mgš^q cöwz e`b (GwmGd-82 I 94) 08 evwzjk Z 100/- UvKvi bv Ui cöwz e`b(mswkøó kvlv ) (GwmGd-81) 17 grỳ WvK wuwk Ui cöwz e`b (wnmve g vby q ji Abyt `ªt ) GwmGd mâqcî/ cöwziÿv mâq c Îi cöwz e`b (GwmGd-81) 19 `vq `bvi mvwu wd KU 20 FY wnmve mgš^q m ú K mvwu wd KU (Abyt gvzv ek) 21 wøzxq Kg KZ v-e e vc Ki mvwu wd KU Ges D³ mvwu wd K U Rvbvj e e vc Ki Abȳ ^vÿi (mshyw³-s Abyhvqx) 22 ókbvix `ª e i cöwz e`b (GwmGd-85) 23 AwewµZ gry `i Dci ÿwzi cöwz e`b (GwmGd-85) 24 gry `i ev Íe cixÿvi mvwu wd KU 25 Av`vq hvm wnmv ei cöwz e`b GwmGd-80(G) 09 Av`vqK Z my `i cöwz e`b 26 ZvwjKv-1,2,3 mn Rwg `vjv bi cöwz e`b (GwmGd-85) 10 Kg Pvix `i wbivcëv Rvgvb Zi cöwz e`b(gwmgd-79) 27 ZvwjKv-1,2,3 mn gvuimvox I Ab vb hvbevn bi cöwz e`b cª `q Wªvd Ui cöwz e`b (GwmGd-193) 12 Awb úbœ c g U AW v ii cöwz e`b (GwmGd- 193) 13 cö `q wnmv ei cöwz e`b (GwmGd-80(G) 28 ZvwjKv-1,2,3 mn AwewµZ gry `i cöwz e`b (GwmGd-85) 29 Zvij msµvší cöwz e`b (mshyw³-q Abyhvqx) 30 GwmGd-112(Avi) gvzv ek kvlvi mkj cökvi Avgvb Zi weeiyx wmz mỳ wnmv ei cöwz e`b (mshyw³- R) 31 GwmGd-83 gvzv ek kvlvi mkj cökvi F Yi weeiyx 15 bm` Znwe ji cöwz e`b(gwmgd-81) 32 Dr m AvqK ii weeiyx (mshyw³-p) 33 gvwmk Avq Ges e qi cöwz e`b (mshyw³-m) cvzv msl v

15 ivrkvnx K wl Dbœqb e vsk... kvlv... Rvb Bs Zvwi L Ae vi cöwz e`b µwgk weeiy UvKvi cwigvy bs bm` Znwejt (K) nv Z bm` (L) B jkuªwbk Znwej ( gvevbj e vswks wnmve) 02 bm` cövbreû msl vt... cwigvy 03 evsjv `k e vs K bm` Rgv 04 mvbvjx e vs K bm` Rgv 05 Ab vb e vs K bm` Rgv 06 bm` e `wkk gỳ ªv 07 gvu FY weziyt ( n Z ch ší) (K) km FY (L) grm FY (M) cï m ú` (N) mp I K wl hš cvwz (O) K wl wfwëk wkí (P) Gm.Gg.B (Q) K vk µwwu/ PjwZ cu~wr FY (R) `vwi`ª we gvpb Kg m~px (S) Ab vb FY 08 gvu FY Av`vqt ( n Z ch ší) (K) km FY (L) grm FY (M) cï m ú` (N) mp I K wl hš cvwz (O) K wl wfwëk wkí (P) Gm.Gg.B (Q) PjwZ c~uwr/k vk µwwu FY (R) `vwi`ª we gvpb Kg m~px (S) Ab vb FY 09 kªyxk Z FY Av`vqt msl v... cwigvy (K) Avmj (L) mỳ (M) mvwf m PvR (N) `Û mỳ (O) Ab vb 10 F Yi wefvrb Abymv i Av`vqt ( n Z ch ší) (K) WweøEwmGj-1 n Z Av`vq (L) WweøEwmGj-2 n Z Av`vq (M) GbwmGj n Z Av`vq (N) wmgj FY n Z Av`vq (O) A kªyxk Z FY n Z Av`vq mshyw³t- ÔLÕ (nvrvi UvKvi A ¼) Pjgvb cvzv bs-02

16 cvzv bs PjwZ e Kqv (Kv i U wwd) FY Av`vqt msl vt... cwigvy (K) Avmj (L) mỳ 12 A kªyxk Z FY Av`vqt ( n Z ch ší) (K) Avmj (L) mỳ (M) mvwf m PvR (N) Ab vb Zvwi L Abv`vqx FY w wz (óvd FY ev `)t (K) Avmj (L) mỳ (M) mvwf m PvR (N) `Ð mỳ (O) Ab vb Zvwi L LvZIqvix Abv`vqx FYt (K) km FY (L) grm FY (M) cï m ú` (N) mp I K wl hš cvwz (O) K wl wfwëk wkí (P) Gm.Gg.B (Q) PjwZ c~uwr/k vk µwwu FY (R) `vwi`ª we gvpb Kg m~px (S) Ab vb FY (T) Kg Pvix FY Zvwi L FY MÖnxZvi msl v Zvwi L kªyxk Z F Yi w wzt (K) Avmj (L) mỳ (M) mvwf m PvR (N) `Û mỳ (O) Ab vb Zvwi L LvZIqvix kªyxk Z F Yi w wzt (K) km FY (L) grm FY (M) cï m ú` (N) mp I K wl hš cvwz (O) K wl wfwëk wkí (P) Gm.Gg.B (Q) PjwZ c~uwr/k vk µwwu FY (R) `vwi`ª we gvpb Kg m~px (S) Ab vb FY Zvwi L kªyxk Z F Yi wefvrbt (K) GmGm (L) wwgd (M) wegj Pjgvb cvzv bs-03

17 cvzv bs Zvwi L kªyxk Z FY MÖnxZvi msl vt Zvwi L cvk eb Bmÿ i msl vt Zvwi L ^vaxbzv c~e Abv`vqx F Yi cwigvyt (K) Avmj (L) mỳ (M) mvwf m PvR (N) `Û mỳ (O) Ab vb Zvwi L ^vaxbzv c~e FY Av`v qi cwigvy Bs Zvwi L Avgvb Zi cwigvy Bs Zvwi L Avgvb Zi cwigvyt (i) cök wz ev LvZ wfwëk AvgvbZt msl v cwigvy (K) gqv`x AvgvbZt (1) 1 gvm n Z 3 gvm gqv `i Kg (2) 3 gvm Ges Z`~aŸ wkš 6 gv mi Kg (3) 6 gvm Ges Z`~aŸ wkš 1 erm ii Kg (4) 1 ermi Ges Z`~aŸ wkš 2 erm ii Kg (5) 2 ermi Ges Z`~aŸ (m ev P 3 eqi) gvut (L) mâqx AvgvbZt (1) kni AÂj (2) MÖvg AÂj (M) PjwZ AvgvbZ (N) GmGbwW AvgvbZ (O) wwwcgm AvgvbZ (P) AviwcGm AvgvbZ (Q) AviwRwcGm AvgvbZ (R) n¾ mâq cökí (S) wkÿv mâq cökí (T) mšívb/mšíwz weevn mâq cökí (U) ivkve mâq xg (AviGmGm) (V) mâqx wnmve (K lk) (W) mâqx wnmve (AwZ `wi`ª Rb Mvôx) (X) K lk mâqx xg ( KGmGm) (Y) ivkve Wvej gvwb xg(rdms) (Z) ivkve `wbk jvf wnmve(rdp) (_) ivkve wuªcj gvwb xg(rtms) (`) ivkve gvwmk jvf wnmve (RMPS) (a) ivkve gvwmk mâq xg (RMSS) (b) ivkve wgwjqwbqvi ww cvwru xg (RMDS) (c) mâqx wnmve- zj e vswks(school Banking) (d) M wnyx mâq cökí(rgss) (e) Ab vb AvgvbZ gvu me gvu= (K+L+M+N+O+P+Q+R+S+T+U+V+W+X+Y+Z+`+a+b+c+d+e) (ii) Drm wfwëk AvgvbZt (K) e vsk n Z M nxz AvgvbZ (L) e vsk ewnf ~Z Ab vb cövwßt AvgvbZ *(Govt. & Other Public Sector) (M) Ab vb AvgvbZ {(i) I (ii) Gi gvu cwigvy mgvb n e} Pjgvb cvzv bs-04

18 cvzv bs Avgvb Zi Dci cö`ë mỳ t ( n Z ch ší) msl v cwigvy (K) mâqx (L) gqv`x (M) GmGbwW (N) wwwcgm (O) AviwcGm (P) AviwRwcGm (Q) wkÿv mâq cökí (R) mšívb/mšíwz weevn mâq cökí (S) ivkve mâq xg (AviGmGm) (T)n¾ mâq cökí (AveMvix ïé) (U) mâqx wnmve (K lk) (V) mâqx wnmve (AwZ `wi`ª Rb Mvôx) (W) K lk mâqx xg ( KGmGm) (X) ivkve Wvej gvwb xg(rdms) (Y) ivkve `wbk jvf wnmve(rdp) (Z) ivkve wuªcj gvwb xg(rtms) (_)ivkve gvwmk jvf wnmve (RMPS) (`)ivkve gvwmk mâq xg (RMSS) (a) ivkve wgwjqwbqvi ww cvwru xg (RMDS) (b) mâqx wnmve- zj e vswks(school Banking) (c) M wnyx mâq cökí(rgss) (d) Ab vb AvgvbZ 26 AvgvbZ e w i cwigvy (24-23)t 27 (K) 1 n Z 1,00,000/- UvKv ch ší Avgvb Zi msl v I cwigvy (L) 1,00,001/- UvKv n Z Z`~aŸ Avgvb Zi msl v I cwigvy (M) gvu Avgvb Zi msl v I cwigvy (K+L) ZvwiL ch ší AmsM nxz (AvbKv jk UW) my `i cwigvy 29 F Yi Dci avh K Z mỳ n Z ch ší (Avq+ WdvW )t (K) Avq Lv Z M nxz (L) WdvW Lv Z vbvšíwiz 30 Av`vqK Z (wiqvjvbrw) mỳ n Z ch ší (K) Avq LvZ _ K (L) WdvW LvZ _ K Bs ZvwiL ch ší wmz my `i gvu w wz n Z ZvwiL ch ší mỳ wmz wnmve Lv Z vbvšíwiz my `i cwigvy {29 (L) Gi mgcwigvy n e} n Z ZvwiL ch ší mỳ wmz wnmve n Z Avq Lv Z vbvšíwiz {30(L) Gi mgcwigvy n e} 34 (K) gikz di wecix Z mỳ wmz wnmve Lv Z mgš^q (L) gikz di wecix Z mỳ mgš^q Bs Zvwi L mỳ wmz wnmv e gvu w wz ZvwiL ch ší AmsM nxz my `i cwigvy {(29+28)-(30+34)} 37 gqv`x, wwwcgm, AviwcGm Avgvb Zi wecix Z h FY `qv n q Q Zvi cwigvyt (K) gqv`x Avgvb Zi wecix Z (L) wwwcgm Gi wecix Z (M) AviwcGm Gi wecix Z Pjgvb cvzv bs-05

19 cvzv bs-05 (N) AviwRwcGm Gi wecix Z (O) AviGmGm Gi wecix Z (N) gqv`x Avgvb Zi wecix Z FY cö`vb Kiv n q Q Giƒc gqv`x Avgvb Zi gvu cwigvy 38 óvd FY weziyt ( n Z ch ší) (K) Kg KZ v `i (L) Kg Pvix `i 39 óvd FY Av`vqt ( n Z ch ší) (K) Kg KZ v `i (L) Kg Pvix `i Zvwi L óvd FY w wzt (K) Kg KZ v `i (L) Kg Pvix `i 41 feb fvov AwMÖgt (K) Zvwi L w wz (L) AwMÖg cö`v bi cwigvy (+) (M) AwMÖg Av`vq/ mgš^ qi cwigvy (Ñ) (N) Zvwi L w wzi cwigvy 42 Kg KZ v/ Kg Pvixi msl vt (K) Kg KZ v (L) Kg Pvix 43 Av jvp eq i FY Ae jvc bi msl v... cwigvy 44 Av jvp A_ eq i Ae jvcbk Z FY n Z Av`vq 45 Av jvp eqi ch ší me gvu FY Ae jvc bi msl v... cwigvy 46 gvu Avqt ( n Z ch ší) (K) (i) F Yi Dci PvR K Z mỳ n Z Avq (ii) 52/ WdvW LvZ n Z vbvšíwiz mỳ Avq (L) Avgvb Zi mỳ n Z Avq (M) cöavb Kvh vjq K cö`vbk Z Znwe ji Dci mỳ Avq ** (N) Kwgkb I `vjvjx n Z Avq (O) Ae jvcbk Z FY Av`vq (P) Ab vb Avq 47 gvu e qt ( n Z ch ší) (K) Avgvb Zi Dci mỳ e q (L) ezb fvzv I Ab vb e q (Kg KZ v/ Kg Pvix msµvší) (M) cöavb Kvh vjq n Z M nxz K R i Dci mỳ e q *** (N) Kwgkb I `vjvjx eve` e q (O) mỳ gikzd (P) Ab vb e q 48 jvf/ jvkmv bi cwigvy 49 gybvdv AR bkvix kvlvi msl v... cwigvy 50 jvkmvbkvix kvlvi msl v... cwigvy Zvwi L m ú` I m úwë msµvší Z_ vw`t (K) bm` Znwej (bm`, gvevbj e vswks wnmve I bm`mg `ªe mn) Pjgvb cvzv bs-06

20 cvzv bs-06 (L) e vs K Rgvt evsjv `k e vskt... mvbvjx e vskt... Ab vb e vskt... (M) FY I AwMÖg (Kg KZ v/kg Pvix AwMÖg e ZxZ) (1) (N) Kg KZ v-kg Pvix AwMÖg (O) f~wg, BgviZ, AvmevecÎ I miävgmn vqx m ú` mg~n (P) e q wnmve (Q) AvšÍt kvlv wnmve ( WweU e v jý) (R) Av`vq hvm wnmve (S) Ab vb m ú` gvu m ú` I m úwët Zvwi L `vq msµvší Z_ vw`t (K) PjwZ AvgvbZ I Ab vb wnmve BZ vw` (L) cwi kva hvm wej (M) mâqx e vsk AvgvbZ (N) gqv`x AvgvbZ (O) Ab vb AvgvbZ (P) Avq wnmve (Q) AvšÍt kvlv wnmve ( µwwu e v jý) (R) cö `q wnmve (S) Ab vb `vq gvu `vqt * gvu m ú` I m úwë Ges gvu `vq me `vq mgvb n e (1) DcwiwjøwLZ cöwz e` b DwjøwLZ FY (Kg KZ v-kg Pvix AwMÖg e ZxZ), Kg KZ v-kg Pvix AwMÖ gi AsK hb Aek B óu g U Ae G v dqvm (GwmGd-37), wmgj weeiyxi m ½ wgj _v K m wel q mzk _vk Z n e wemz K qk eqi hver wbixÿv dvg KZ K DcwiwjøwLZ As Ki Awg ji Rb A_ gš Yvjq Am šívl cökvk K i Ges ciez x Z GKB ai Yi wbixÿv AvcwË hv Z DÌvwcZ bv nq, m wel q mzk Zv Aej ^ bi wb ` kbv cö`vb K i Q D jøl h, Ae jvcbk Z FY KL bvb gvu FY I AwMÖ gi AšÍf ~³ n e bv wøzxq Kg KZ v/ Kg KZ v (bvg I mxj mn) e e vck (bvg mxj mn) Kvh vj qi bvg ezbfvzv msµvší e q Ab vb e q gvu e q 1 wefvmxq Kvh vjq 2 wefvmxq wbixÿv Kvh vjq 3 Rvbvj Kvh vjq 4 Rvbvj wbixÿv Kvh vjq * e vsk Ges Ab vb cöwzôvb n Z M nxz AvgvbZ (mikvix I Avav-miKvix Avw_ K cöwzôvbmn)t ww cvwru BÝy iý wcöwgqvg cwi kv ai ÿ Î GB Lv Zi Avgvb Zi Dci wcöwgqvg iqvz cviqv hvq, weavq mkj cökvi mikvix/ Avav-miKvix Avw_ K cöwzôvb Ges e vswks cöwzôv bi AvgvbZ hv Z D³ Lv Z AšÍf ~³ nq mw` K jÿ ivl Z n e Ges 24 (ii) K I L Gi gvu cwigvy hv Z H Zvwi Li mvßvwnk cöwz e` bi Govt.& Other Public Sector- G cö`wk Z As Ki mv _ wgj _v K mw` KI jÿ ivl Z n e ** µwgk bs- 46(M) G DwjøwLZ UvKvi cwigvy Aek B Avq Dc LvZ 46/10 wnmve Gi mgcwigvy n e *** µwgk bs- 47(M) G DwjøwLZ UvKvi cwigvy Aek B e q Dc LvZ 133/42 wnmve Gi mgcwigvy n e

21 kvlvi bvgt... Rv bi bvgt... mshyw³t- S (K) kvlvi cöz qbt Zvwi L mgvß evwl K wnmve mgvcbx Z elwqk weeiyx cö Z I cixÿv msµvší cöz qbcî G g g cöz qb Kiv hv Q h, ivrkvnx K wl Dbœqb e vs Ki wnmve g vby qj I wewfbœ mg q Bmy K Z wb ` kvejx mwvk fv e cvjb Kiv nbqv Q e vs Ki LvZvcÎ, LwZqvb I Ab vb wnmve ewn mg~ n e vs Ki cöpwjz wb ` kvejx mwvkfv e gvb Kiv nbqv Q elwqk weeiyx wnmve g vby q j ewy Z wbqg Ges wb gœi wb ` kbv gvzv ek cö Z Kiv n q Q cöwzcv` welqt 1 elwqk weeiyxi gjv U kvlvi bvg, KvW bs-, Rv bi bvg I ZvwiL mwvkfv e wjlv n q Q 2 elwqk weeiyxi AsK KvUv-KvwU, NlvgvRv I d zbwgy³ Ges SKS K I mn R cvv hvm cöwzwu c ôvi hvmdj I me gvu hvmdj mwvk 3 elwqk weeiyx Z FY I AwMÖg wnmve LvZ 10 Gi AšÍf ~³ wnmve mg~ ni v b 101, wnmve Lv Zi w wz wjlv n q Q wkš Kvb Dc-LvZ 101/1, 101/2, 102/2 BZ vw` c _Kfv e wjlv nqwb elwqk weeiyxi kl c ôvq wbw` ó RvqMvq mkj FY wnmv ei Dc-LvZ mg~ ni w wz wjlv n q Q hvi hvmdj gvu FY I AwMÖ gi hvmd ji mgvb 4 elwqk weeiyx Z DwjøwLZ FY I AwMÖg Ges wmgj weeiyx Z D jøwlz FY I AwMÖg mgvb 5 cöavb wnmv ei w wzi mwnz mswkøó mkj Dc-LvZ mg~ ni hvmd ji wgj Av Q cö `q wnmve-41, Avq wnmve-46, Kg KZ v/kg Pvix FY- 1013, e q wnmve- 133, Av`vq hvm wnmve- 131, Ro`ªe grỳ wnmve -134, Av`vq hvm mỳ DcwPZ wnmve- 137 Gi w wzi mv _ mswkøó mkj DcLvZ mg~ ni hvmd ji wgj Av Q 6 K Uªv wnmve LvZ 212 I 611 Gi mwnz K Uªv wnmve LvZ 73 I 1211 Gi As Ki m ú~y wgj Av Q 7 kvlvi wnmve gvzv ek wbiƒwcz jvf-ÿwzi GWfvBm mwvkfv e cö Z c~e K cöiy Kiv n jv 8 cöavb Kvh vjq n Z M nxz/cöavb Kvh vjq K cö`ë Znwe ji my `i wnmve Ges GWfvBm mwvkfv e cö Z c~e K cöiy Kiv n jv Zvwi L kvlvi FY I AvgvbZ wnmve e vjvwýs Kiv n q Q m gvzv ek FY I AvgvbZ wnmve ( jrvi Abymv i) Rbv ij jrv ii m ½ wgj (wikbmvbj) Av Q (hw` wgj bv _v K Z e GKwU wgj KiY (wikbwmwj qkb) cöwz e`b GZ`m ½ mshy³ Ki Z n e) wøzxq Kg KZ v (bvgmn mxj) e e vck (bvgmn mxj) (L) Rvbvj Kvh vj qi cöz qbt ewy Z kvlvi elwqk weeiyx I Acivci weeiyx cixÿv Kiv n q Q m gvzv ek kvlvi cöz qb mwvk cviqv Mj hvpvbkvix Kg KZ v (mxjmn) Rvbvj e e vck (mxjmn)

22

23 Rajshahi Krishi Unnayan Bank Zone: Branch: Branch Code: Income & Expenditure Statement for the Monthly of. 46/Income Accounts Details Code Name of Accounts 1. Interest on Loan 1a. Service Charges on Loans 1b. Penal Interest realized on loan 2. Fees and Other charges 2a. Search Fees 3. Sale Proceed of Forms a Sub-Total: 4. Interest on Investment 5. Commission and Exchange b Sub-Total: 7. Interest on Deposits 8. Interest on Loan to Employees 9. Rent Received 10. Interest on Fund Lent to HO/Branches 13. Sundry Income 14. Income from Recovery of Loan write off c. Sub-Total: 46 Total Income Amount (a+b+c) = 133/Expenditure Accounts Details 1. Directors Fees and Traveling Exp. 2. Salaries of officers 3. Salaries and Wages staff 4. House rent Allowance 6. Other Allowance 6c. Staff Welfare & Recreation Expenses 7. Employees Traveling Exp. tour 9. Medical Services 11. Bank Contribution to Employees PF 11A. Superannuation Fund 13. Training Expenses 14. Bonus to Staff 15. Gratuity and Pension 16A. Payment of Taxes-Staff a. Sub-Total: 17. Electricity and Water Charges 18. Rentals 21. Stationary and Supplies 22. Postage and Telegram 23. Telephone 24. Conveyance Charge 32. Entertainment & Business Development 36. Sundry Expenses b. Sub-Total: 37. Interest on Deposits (Savings) 37. Interest on Deposits (Fixed) 37. Interest on Deposits (Others) 39. Interest Paid to Bangladesh Bank 42. Interest on Fund Borrowed From H.O./ Branches 44. Commission, Exchange and Other Charges c. Sub-Total: 133 Total Expenditure (a+b+c) = Total Operational Profit/(Loss) (46-133) = Yearly Profit Target Achievement Up to previous month For the reporting month (ms hvrbx -M) (Figure in thousand) Total Preparing Officer Cell Phone: Checking Officer Cell Phone: Manager/ZM Cell Phone: