functional area audit report - rak bank

7/21/2019 Functional Area Audit Report - RAK Bank

1/51

Ck Csslsselkt jn tml Nukftojkcg Crlcs jn TCA Dcka

Dusoklss 284283 Vtrctliof Eckcilelkt

Dcfmlgjr ok Dusoklss Cbeokostrctojk

@ckucry 4836

3


2/51

CFAKJY!"#!$!K%&

Ok fjkbuftoki tmos cubot rlpjrt O ce tmckanug tj c kuedlr jn pljpgl wmj fjktrodutlb

ok ots ecaoki. Vplfocg tmckas tj tml TCA Dcka eckcilelkt njr prjvoboki bltcoglb fjepcky

oknjrectojk ckb cgsj tml rlspjkblkts wmj nogglb tml ulstojkkcorls pgcy c ec!jr rjgl ok tml

sufflssnug fjepgltojk jn tmos cubot rlpjrt. Vplfocg tmckas tj ey fjursl okstruftjr njr

prjvoboki okstruftojks ckb iuoblgokls jk mjw tj fjepgltl tml prj!lft.

"


3/51


4/51

Rcdgl jn Fjktlkts

C*A,-/848%8,#V....................................................................................................."

CDV#TC*#.............................................................................................................................+

*mcptlr 3..................................................................................................................................6

O,#T-2*#O-,....................................................................................................................6

Dcfairjukb jn tml Vtuby......................................................................................................6

-d!lftovl jn tml Vtuby..........................................................................................................

%8#(--/-49...................................................................................................................>

Tlslcrfm lsoik...................................................................................................................>

Tlspjkblkts jn tml Vtuby.....................................................................................................>

ctc 4ctmlroki Okstruelkt...................................................................................................=

)rjflburls jn 4ctmlroki ctc..............................................................................................=

Vtctostofcg #jjgs uslb ok tml Vtuby........................................................................................=

*mcptlr OOO..............................................................................................................................3?

T8V2/#V C, OV*2VVO-,V...........................................................................................3?

&okbokis..............................................................................................................................3?

3.? *jepcky prjnogl...........................................................................................................3?

3.3 Okbustry )rjnogl.........................................................................................................3"

0


5/51

".? 1osojk ckb %ossojk.......................................................................................................30

+.? Vtctus jn tml &ukftojkcg Crlcs......................................................................................36

*mcptlr O1..............................................................................................................................+7

*-,*/2VO-,V....................................................................................................................+7

3.? *jepcky prjnogl...........................................................................................................+7

".? 1osojk ckb %ossojk.......................................................................................................+7

+.? Vtctus jn tml &ukftojkcg Crlcs......................................................................................+7

+.3 %ckcilelkt.............................................................................................................+7

+." %craltoki.................................................................................................................+6

+.+ &okckfl ckb Cffjuktoki...........................................................................................+6

+.0 %ckcilelkt Oknjrectojk Vystle............................................................................+6

+.7 (ueck Tlsjurfls.....................................................................................................+

Tlfjeelkbctojks..............................................................................................................+>

3.? *jepcky prjnogl.......................................................................................................+>

".? 1osojk ckb %ossojk...................................................................................................+>

+.? &ukftojkcg Crlcs.......................................................................................................+>

C))8,O*8V........................................................................................................................0+

7


6/51

Fmc'tlr 3

(K%TJ")F%(JK

Dcfairjukb jn tml Vtuby

#ml rlslcrfm njukb oksoimts cdjut tml TCA Dcka dy fjgglftoki bctc jk ots eossojk$

vosojk ckb jtmlr nukftojkcg crlcs. Cntlr prjvoboki bctc jk TCA Dcka tml rlslcrfm prjvoblb

oknjrectojk cdjut tml 2C8 Dckaoki Okbustry. #ml rlslcrfm fjkbufts c bltcoglb cubot jn cgg

tml nukftojkcg crlcs jn TCA Dcka wmofm okfgubls %ckcilelkt$ %craltoki$

&okckfl'Cffjuktoki$ (ueck Tlsjurfl$ %ckcilelkt Oknjrectojk Vystles ckb )rjbuftojk.

%ossojk stctlelkt mcs c vlry oepjrtckt rjgl ok strctliof eckcilelkt ckb mlgps c

nore tj fjeeukofctl ots strctliof borlftojk 5(crrosjk ; Vt.:jmk$ "?3?H. #ml eossojk ckb

vosojk stctlelkts jn c nore os votcg ok fjeeukofctoki oblcgs jn c dcka$ ok jur fcsl tml

eossojk stctlelkt jn TCA dcka mcs mlgplb tj icok c slksl jn borlftojk ckb purpjsl jn tml

dcka.

Cntlr oktrjbuftojk ckb eltmjbjgjiy tml rlslcrfm tmlk prjvoblb bltcogs cdjut tml novl

ejst oepjrtckt fjepjklkts jn tml dcka wmofm crl %ckcilelkt$ -plrctojks ckb )rjbuftojk$

&okckfl ckb Cffjuktoki$ %ckcilelkt Oknjrectojk Vystle ckb (ueck Tlsjurfls dyfjkbuftoki ck Cubot ok tml njre jn c fgjslb lkblb ulstojkkcorl. V)VV os uslb njr fjboki

ckb okput jn tml bctc fjgglftlb ckb tml rlsugts crl ckcgylb usoki ircpmofcg ckcgysos ckb

nrlulkfols. #ml rlfjeelkbctojks crl prlslktlb ok tml lkb.

C rlflkt stuby rlvlcglb tmct tml dckaoki ok 2C8 os ngjurosmoki ct ncst pcfl ecaoki ots

prlslkfl akjwk ok tml dckaoki wjrgb 54rckt$ 4jgcwcgc$ ; %fAlfmkol$ "??


7/51

#mlrlnjrl dckaoki ok 2C8 prlslkts bonnlrlkt fmcgglkils tmlk tml rlst jn tml wjrgb$ tmos

rlslcrfm coes tj ckswlr tmjsl ulstojks dy fjkbuftoki c bltcoglb cubot ok cgg tml blpcrtelkts

jn tml dcka.

#mos rlslcrfm os c prlgoeokcry rlslcrfm dlfcusl kj sufm rlslcrfm jk TCA os dllk

fjkbuftlb dlnjrl. #ml rlslcrfm njukb oknjrectojk splfonofcggy jk tml nukftojkcg crlcs jn

TCA Dcka dy fjkbuftoki c bltcoglb cubot usoki fgjslb lkblb ulstojkkcorl. #ml rlslcrfm

njfuslb jk cubotoki cgg tml nukftojkcg crlcs jn TCA Dcka ckb cgsj prjvobls oknjrectojk jk

tml dckaoki okbustry ok 2C8.

Jd`lftovl jn tml Vtuby

#mos pcplr csslsslb tml nukftojkcg crlcs jn TCA Dcka. Ot oktlkblb tj bltlreokl tml

icps ok tml strctliols ckb cftovotols jn tml jrickoctojk ckb fjel up wotm strctliof

rlfjeelkbctojks. Vplfonofcggy$ ot sjuimt tjB

3. ltlreokl tml fjepcky prjnogl

3.3 ltlreokl tml okbustry prjnogl

". ltlreokl tml vosojk ckb eossojk

+. ltlreokl tml stctus jn tml nukftojkcg crlcs ok tlres jnB

+.3 %ckcilelkt

+." -plrctojks ckb )rjbuftojk+.+ &okckfl ckb Cffjuktoki

+.0 %ckcilelkt Oknjrectojk Vystle

+.7 (ueck Tlsjurfls

0. rcw fjkfgusojks jut jn tml nokbokis

7. -nnlr rlfjeelkbctojks dcslb nrje tml nokbokis ckb fjkfgusojks


8/51

Fmc'tlr ((

$!%*J"JJ#+

Tlslcrfm Blsoik

#mos stuby uslb tml blsfroptovl rlslcrfm eltmjb. lsfroptovl rlslcrfm blsoik

njfusls jk stubyoki okbovobucg vcrocdgls slpcrctlgy rctmlr tmck tml rlgctojksmop dltwllk

tmle 54rcvlttlr ; &jrckj$ "?3"H. #mos rlslcrfm prjvoblb bltcogs jk nukftojks ckb

jplrctojks jn TCA Dcka dy lpgjroki oksoimts jk lcfm vcrocdgl slpcrctlgy.

#ml purpjsl jn tml stuby os tj prjvobl oksoimts jk tml nukftojkcg crlcs jn TCA Dcka

dy ckcgyoki tml prjnogl$ vosojk ckb eossojk jn TCA Dcka$ tmlrlnjrl tml oknjrectojk

fjgglftlb ok tmos rlslcrfm ncggs ok tml fctlijry jn prlgoeokcry rlslcrfm wmofm fjugb dl uslb

njr nurtmlr stuby jr blfosojk ecaoki. #ml ijcg jn tml rlslcrfm os tj jdtcok oknjrectojk jk tml

blsfroptojk jn lcfm vcrocdgl dy jdtcokoki oknjrectojk jk TCA Dcka.

#ml blsfroptovl blsoik rlslcrfm uslb ok tmos rlslcrfm os dcslb jk survly rlslcrfm ckb

tml bctc wcs fjgglftlb usoki c ulstojkkcorl cttcfmlb ok tml cpplkbofls$ tml stuby fgjslb

lkblb ulstojkkcorl mcs dllk uslb tj cfmolvl ecoeue vcgoboty ok tml rlsugts.

Tlspjkblkts jn tml Vtuby

#ml rlspjkblkts jn tml stuby wlrl tml blpcrtelkt mlcbs jn tml fjkflrklb nukftojkcg

crlcs jn TCA Dcka ckb slglftlb lepgjylls. #ml ulstojkkcorl wcs cgsj iovlk tj tml

eckcilelkt ckb lepgjylls ok TCA Dcka rlsugts prlslktlb ok rlsugts ckb bosfussojk slftojk

jn tmos cubot rlpjrt cgjki wotm ckcgysos jn tml nukftojkcg crlcs jn TCA Dcka.

#ml ulstojkkcorl wcs iovlk tj 3" lepgjylls jn tml dcka jk tml dcsos jn rckbjescepgoki wmofm okfgublb tjp eckcilelkt cs wlgg cs eobbgl eckcilelkt lepgjylls tj

fjkbuft cubot jn tml nukftojkcg crlcs jn tml dcka. #ml scepgl pjpugctojk okfgublb tml tjp

ckb eobbgl eckcilelkt jn bonnlrlkt blpcrtelkts jn TCA dcka$ wmofm crl %ckcilelkt$

%craltoki$ &okckfl'Cffjuktoki$ (ueck Tlsjurfl$ %ckcilelkt Oknjrectojk Vystles ckb

)rjbuftojk lpcrtelkt.

>


9/51

Bctc Ictmlroki Okstrulkt

#ml bctc ictmlroki okstruelkt uslb ok tmos rlslcrfm os c Vurvly ulstojkkcorl jk tml

&ukftojkcg Crlcs jn TCA Dcka$ tml ulstojkkcorl os bovoblb oktj njggjwoki pcrts.

3. %ckcilelkt Cubot

". %craltoki Cubot

+. &okckfl'Cffjuktoki Cubot

0. (ueck Tlsjurfl Cubot

7. %ckcilelkt Oknjrectojk Vystles Cubot

6. )rjbuftojk Cubot

#ml bctc os fjgglftlb wotm tml mlgp jn fgjslb lkblb ulstojks ok wmofm c gost jn

slglftojk os prjvoblb stcrtoki o.l. 3L Vtrjkigy oscirll$ "L oscirll$ +L ,lutrcg$ 0L Cirll$

7L Vtrjkigy Cirll 5Dcddol$ "?33H. *gjslb lkblb ulstojks prjvobl ukonjreoty ok rlspjksls

ckb crl lcsolr tj cbeokostlr tmlk jplk lkblb ulstojk. #ml rlspjksls ok tmos pcplr crl

cgrlcby fjblb jk c sfcgl jn 3 tj 7 cs lpgcoklb cdjvl wmofm mcs flrtcokgy rlbuflb tml

fmckfls jn lrrjr ok ckcgyoki tml fjgglftlb bctc ckb okfrlcslb tml vcgoboty jn tml rlsugts. #ml

sfcgl uslb ok tml ulstojkkcorl njggjwsB

!rjflburls jn Ictmlroki Bctc

#ml bctc fjgglftojk wcs njfuslb jk tml fjepcky prjnogl$ eossojk$ vosojk ckb tml

bonnlrlkt nukftojkcg crlcs jn TCA Dcka. #ml elcks jn fjgglftoki bctc wlrl tml survly

ulstojkkcorls$ oktlrvolws$ ckb jdslrvctojks. #ml ulstojkkcorls wlrl bostrodutlb jk :ckucry

3$ "?3+ ckb wlrl rltrolvlb jk :ckucry 37$ "?3+. #ml oktlrvolw ckb jdslrvctojk wlrl

soeugtckljusgy fjkbuftlb jk :ckucry 3?$ "?3+.

Vtctostofcg Rjjgs uslb ok tml Vtuby

#ml bctc njr tmos rlslcrfm wlrl ckcgylb dy elcks jn nrlulkfols ckb plrflktcils.

&rlulkfy bostrodutojks crl fjkstruftlb dy gostoki cgg tml cttrodutls jn lcfm vcrocdgl 5Dcddol

; Tudok$ "??=$ p. =H. (lkfl blsfroptovl ukovcroctl ckcgysos wcs fjkbuftlb wotm tml mlgp jn

plrflktcils ok ircpms ckb nrlulkfy bostrodutojks.

Fmc'tlr (((

T!&)%& CK" "(&F)&&(JK&

=


10/51

"okbokis

#ml nokbokis jn tml cubot rlpjrt crl gostlb dlgjwB

#$% Fjpcky prj&gl

TCA Dcka wcs njukblb ok 3=


11/51

#ml slrvofls jnnlrlb dy tml dcka crl C#% slrvofl$ TCA Dcka lcgs$ TCA Dcka 8trc$

Vuplrojr$ 2gtoectl$ 8lfutovl ckb TCA Dcka )rleoue 1cgul *jgglftojk.

&tctus .otmok tml ok-ustry

Cffjrboki tj tml bctc fjgglftlb$ TCA Dcka os jkl jn tml glcboki rltcog ckb secgg

dusoklss dcka ok tml 2C8. #ml dckas prjnots mcvl okfrlcslb dy c stciilroki 36.6I ok "?3"

cs fjepcrlb tj tml prjnots ok "?33M tml klt prjnot ckkjukflb ok "?3" os C8 3$0?".> eoggojk.

33


12/51

3/3 (k-ustry ,rjnogl

#ml 2C8 ecralt fjksosts jn 73 dckas jut jn wmofm "> dckas crl njrloik dckas ckb

"+ crl bjelstof dckas 5%jjbys$ "?33H. #ml njggjwoki noiurlF3 smjws tml ecralt smcrls jn

tml "< bjelstof dckas ok "??= cs prlslkt dy tml frlbot rctoki cilkfy %jjby@s.

Nourl 3 $cralt &mcrl y %jtcg Csslts ct +lcr 488 2)C! Dckaok $cralt cs csslssl- y $jj-y

3"


13/51

Cffjrboki tj tml pol fmcrt tml tjp njur dckas crl 8,D$ ,DC$ C*D ckb &4D

wotm rlsplft tj tml ecralt smcrl dy tjtcg csslts cgsj tml pol fmcrt fglcrgy smjws tml TCA

Dckas pjsotojk wotm rlsplft tj tml ecralt

3+


14/51

#ml njggjwoki noiurlF" smjws fjepltotjr oknjrectojk dy ircpmofcggy prlslktoki tml dcka csslt fjepjsotojk plrflktcil wotm

rlsplft tj tml cvlrcil fjepjsotojk cfrjss tml 2C8 dckaoki ecralt 5%jjbys$ "?33H.

Nourl 4 Dcka Csslt Fje'jsotojk 'lrflktcl jn tjtcg csslts ok ylcr 488 2$jj-y

30


15/51

Cffjrboki tj tml oknjrectojk prlslktlb dy noiurlF" tml tjtcg csslts jn tml "< dckas

jplrctoki ok 2C8 wlrl C8 3.666 troggojk ok "??=$ 6>.


16/51

Cs fjepcrlb tj tml fjkslrvctovl eossojk stctlelkt njggjwlb dy TCA Dcka$ ,DC mcs

c ejrl fustjelr jrolktlb cpprjcfm ok tmlor vosojk ckb eossojk stctlelkt. TCA Dcka mcs

glsslr ecralt smcrl jn tml 2C8 dckaoki ecralt cs smjwk ok noiurlF" dlfcusl jn ots stroft

pjgofy njr gjck ukblrwrotoki ckb prjvosojkoki tml dcka fjugb kjt fcpturl irlctlr ecralt

smcrl.

#ml njggjwoki tcdglF3 rlprlslkts tml frlbot rctoki jn TCA dcka cs rctlb dy ncejus

frlbot rctoki cilkfols wmofm crl %jjby@s$ &otfm ckb *cpotcg Oktlggoilkfl 5TCA Dcka$ "?3+H.

%cgl 3 TCA Dcka Frl-ot Tctok

Tctok Clkfy "l'jsots Nokckfocg &trlktm Jutgjja &u''jr

$jj-y9s Dcc3')F" E Vtcdgl F

Notfm DDDE'&" * Vtcdgl "

Fc'otcg (ktlggolkfl CF'C" DDDE Vtcdgl "

36


17/51

*$% Vtctus jn tml "ukftojkcg +rlcs

#ml fgjslb lkblb ulstojkkcorls wlrl uslb ckb wlrl iovlk tj 37 rlspjkblkts ok tjp ckb

eobbgl eckcilelkt jn TCA Dcka. #ml bctc fjgglftlb wcs ckcgylb usoki V)VV$ tml rlsugts

crl smjwk cs njggjwokiB

6/3 $ckclelkt

#ml tcdgls dlgjw prlslkt tml nrlulkfols ckb plrflktcil ckcgysos njr cgg tml ulstojks csalbtj tml rlspjkblkts.

Rml nore usls strctliof eckcilelkt fjkflpts

Nrlqulkfy Xlrflkt ^cgob Xlrflkt

Fueugctovl

Xlrflkt

^cgob Klutrcg 6 4


18/51

Rml Jd`lftovls, ijcgs crl elcsurcdgl ckb wlgg fjeeukofctlb


Fueugctovl

Xlrflkt

^cgob tr!kigy $o%cirll >


19/51

Rml jrickozctojks strufturl os cpprjproctl


Fueugctovl

Xlrflkt

^cgob Klutrcg 4 3>.9 3>.9 3>.9

Cirll 4 3>.9 3>.9 66.6

tr!kigy Cirll " >>.9 >>.9 388.8

#!tcg 34 388.8 388.8

Rml `jd blsfroptojks crl fglcr


Fueugctovl

Xlrflkt

^cgob Klutrcg 3 ".6 ".6 ".6

Cirll < 23.9 23.9


20/51

Rml tjp eckcilelkt fjeeukofctls pjgofols tmrjuim tml jrickozctojk wlgg


Fueugctovl

Xlrflkt

^cgob tr!kigy $o%cirll 9 .9 3>.9 388.8

#!tcg 34 388.8 388.8

Rml eckcilrs tcal okotoctovl


Fueugctovl

Xlrflkt


Cirll 2 66.6 66.6 23.9

tr!kigy $o%cirll 9


21/51

7. #ml eckcilrs tcal okotoctovl.

#ml tcdgls cdjvl smjw tml rlsugts jn boscirllelkt ok tml ulstojks gostlb cdjvl$ tmlrlnjrl

TCA Dcka eust oeprjvl tml novl pjokts gostlb cdjvl tj okfrlcsl tml lnnofolkfy jn tml

eckcilelkt blpcrtelkt.

(ktlr0ol.s ck- Jslr0ctojks ok $ckclelkt "l'crtelkt?

Oktlrvolws ckb jdslrvctojks fjkbuftlb ok tml eckcilelkt blpcrtelkt rlvlcglb tmct tml

jd!lftovl$ ijcgs crl kjt elcsurcdgl ckb wlgg fjeeukofctlb ckb eckcilrs kllb tj pgck ejrl

lnnlftovlgy ok jrblr tj okfrlcsl tml plrnjreckfl jn %ckcilelkt blpcrtelkt ct TCA Dcka.

&urtmlr tml eckcilrs crl kjt blglictoki wlgg ckb rlstrcok nrje tcaoki okotoctovl ckb tml

pjgofols jn tml jrickoctojk crl kjt fjeeukofctlb wlgg.

6/4 $craltok

#ml tcdgls dlgjw prlslkt tml rlsugts jn %craltoki Cubot wotm tml mlgp jn nrlulkfols ckb

plrflktcils.

!lpcrtelkts crl slielktlb lnnlftovlgy


Fueugctovl

Xlrflkt

^cgob Cirll < 23.9 23.9 23.9

tr!kigy Cirll 9


22/51

Rml jrickozctojk os pjsotojklb wlgg cejki fjepltotjrs


Fueugctovl

Xlrflkt

^cgob Cirll < 23.9 23.9 23.9

tr!kigy Cirll 9


23/51


24/51

#ml cdjvl tcdgl fglcrgy smjw strjki cirllelkt jk cgg tml ulstojks csalb ok tml

ulstojkkcorl. #ml ecraltoki blpcrtelkt jn tml dcka os plrnjreoki ijjb ckb tml nukftojkcg

crlc jn %craltoki os vlry lnnofolkt.

(ktlr0ol.s ck- Jslr0ctojks ok $craltok "l'crtelkt?

#ml oktlrvolws fjkbuftlb wotm tml eckcilelkt rlvlcglb tmct tml TCA Dcka mcs c sjukb

pjgofy njr cgg tml nukftojks jn ecraltoki. &urtmlr tml dcka os cftovlgy okvjgvlb ok usoki

bonnlrlkt ecraltoki strctliols cs wlgg cs rukkoki c sjfocg elboc fcepcoik tj okfrlcsl ecralt

smcrls.

6/6 Nokckfl ck- cffjuktok

#ml tcdgls dlgjw prlslkt tml rlsugts jn &okckfl ckb Cffjuktoki Cubot wotm tml mlgp jn

nrlulkfols ckb plrflktcils.

Rml nore os nokckfocggy strjki cs okbofctlb dy nokckfocg rctoj ckcgysos


Fueugctovl

Xlrflkt


Cirll 6 4


25/51

Rml nore fck rcosl kllblb gjki&tlre fcpotcg tmrjuim bldt ckb'jr lquoty


Fueugctovl

Xlrflkt

^cgob Klutrcg 6 4.9

Cirll > .9

tr!kigy Cirll 2 66.6 66.6 388.8

#!tcg 34 388.8 388.8

!ovoblkb pcyjut pjgofols crl rlcsjkcdgl


Fueugctovl

Xlrflkt

^cgob tr!kigy Cirll 34 388.8 388.8 388.8

"7


26/51

Rml nore mcs ijjb rlgctojks wotm ots okvlstjrs ckb stjfamjgblrs


Fueugctovl

Xlrflkt

^cgob Klutrcg 6 4.9

tr!kigy Cirll 38 "6.6 "6.6 388.8

#!tcg 34 388.8 388.8

"6


27/51

Rml nore mcs sunnofolkt okvlstelkt


Fueugctovl

Xlrflkt

^cgob Klutrcg 4 3>.9 3>.9 3>.9

Cirll > .9

tr!kigy Cirll 2 66.6 66.6 388.8

#!tcg 34 388.8 388.8

Rml nore"s trckscftojks crl prjplrgy bjfuelktlb jr rlfjrblb


Fueugctovl

Xlrflkt


&tctus jn tml nukftojkcg crlc= Nokckfl ck- Cffjuktok?

#ml tcdgls cdjvl fglcrgy smjw tml rlpgols jn tml rlspjkblkts ok tml njre jn

nrlulkfols ckb plrflktcils. #ml rlspjksls rlflovlb njr &okckfl ckb Cffjuktoki cubot smjw

tmct tml dcka mcs c vlry strjki nokckfocg pjsotojk.

#ml boscirllelkt wcs jkgy jk tml ulstojk jk tml nokckfocg rctojs$ tml vcguls crlsmjwk ok tml tcdgl cdjvl.

(ktlr0ol.s ck- Jslr0ctojks ok Nokckfl ck- Cffjuktok "l'crtelkt?

#ml oktlrvolws ckb jdslrvctojks ok tml &okckfl ckb Cffjuktoki blpcrtelkt jn TCA Dcka

rlvlcglb tmct dckas kllb tj bj ejrl ok jrblr tj ilt dlttlr rlsugts nrje nokckfocg rctojs. #ml

nokckfocg rctojs jn tml dcka crl smjwoki rlsugts jn ukblrplrnjreckfl jn tml dcka.

"


28/51

6/1 $ckclelkt (knjrectojk &ystle

#ml tcdgls dlgjw prlslkt tml rlsugts jn %ckcilelkt Oknjrectojk Vystle Cubot wotm tml mlgp

jn nrlulkfols ckb plrflktcils.

)gg tml eckcilrs usl tml oknjrectojk systle tj ecal blfosojks


Fueugctovl

Xlrflkt

^cgob Klutrcg 6 4


29/51

Rmlrl crl lnnlftovl pcsswjrbs njr lktry oktj tml nore"s oknjrectojk systle

Nrlqulkfy Xlrflkt ^cgob Xlrflkt Fueugctovl Xlrflkt


+trctliosts jn tml nore crl nceogocr wotm tml oknjrectojk systles jn rovcg nores


Fueugctovl

Xlrflkt

^cgob tr!kigy $o%cirll >


30/51

Rml nore prjvobls jkgokl cppgofctojk ckb trckscftojks


Fueugctovl

Xlrflkt


Rml nore"s trckscftojks crl prjplrgy bjfuelktlb jr rlfjrblb


Fueugctovl

Xlrflkt


&tctus jn tml nukftojkcg crlc= $ckclelkt (knjrectojk &ystle?

Cgg tml ulstojks wl csalb rlicrboki tml nukftojkcg crlc %ckcilelkt Oknjrectojk

Vystle$ tml rlspjksls tj tmjsl ulstojks smjw tmct tml dcka mcs c vlry lnnofolkt

eckcilelkt oknjrectojk systle lflpt tml njggjwokiB

3. ctc crl upbctl rliugcrgy

". Vtrctliosts jn tml nore crl nceogocr wotm tml oknjrectojk systles jn rovcg nores

8flpt tml nukftojkcg crlc jn upbctoki tml bctc ckb akjwoki fjepltotjrs oknjrectojk

crl tml jkgy twj crlcs jn TCA Dcka wmlrl boscirllelkt wcs smjwk cs prlslktlb ok tml

tcdgl cdjvl.

(ktlr0ol.s ck- Jslr0ctojks ok $ckclelkt (knjrectojk &ystle?

#ml oktlrvolws ckb jdslrvctojks tcalk ok tml %ckcilelkt Oknjrectojk Vystle blpcrtelktjn TCA Dcka smjw tmct TCA Dcka eust fjkbuftlb tml %craltoki Tlslcrfm tj jdtcok

dlkfmecra oknjrectojk rlicrboki tml oknjrectojk systles uslb dy jtmlr dckas ok tml

okbustry.

+?


31/51

6/7 *ueck Tlsjurfls

#ml tcdgls dlgjw prlslkt tml rlsugts jn (ueck Tlsjurfl Cubot wotm tml mlgp jn nrlulkfols

ckb tcdgls.

Rml -/ ncfogotols crl cblquctl


Fueugctovl

Xlrflkt

^cgob Klutrcg > >.9 >>.9 388.8

#!tcg 34 388.8 388.8

+3


32/51

Rml fjeplksctojk systle os dcslb jk slkojroty pcy


Fueugctovl

Xlrflkt


8epgjylls crl sctosnolb wotm tml fjeplksctojk systle


Fueugctovl

Xlrflkt

^cgob Klutrcg " >>.9 >>.9 >>.9

Cirll 6 4


33/51

Rml -/ fjggcdjrctls wotm jtmlr blpcrtelkts ok blvlgjpoki ckb oeprjvoki tml

lepgjylls cgjki wotm tml wjra tcsas rlquorlelkts


Fueugctovl

Xlrflkt


Rml -/ fjkbufts jkgokl trcokoki slssojks


Fueugctovl

Xlrflkt


Rml -/ eckcilr gostlks tj lepgjyll3s kllbs ckb wjras tj ecal tmlor kllbs elt


Fueugctovl

Xlrflkt

^cgob Klutrcg >


34/51

3. #ml %ckcilrs jr suplrvosjrs fjkbuft ncor plrnjreckfl cpprcoscgs.

#ml cdjvl nukftojkcg crlc mcb tml ejst boscirllelkt jn tml rlspjkblkts$ wmofm smjws

tmct tml eckcilrs jr suplrvosjrs crl kjt fjkbuftoki ncor plrnjreckfl cpprcoscgs. TCA Dcka

eust rlvovl ots plrnjreckfl cpprcoscg pjgofy tj okfrlcsl tml ejtovctojk ok tml stcnn.

(ktlr0ol.s ck- Jslr0ctojks ok *ueck Tlsjurfl?

#ml oktlrvolws fjkbuftlb ok (ueck Tlsjurfls blpcrtelkt ckb tml jdslrvctojks tcalk

rlvlcg tmct tml lepgjylls jn tml dcka crl kjt mcppy wotm tml plrnjreckfl cpprcoscgs ok (T

blpcrtelkt.

6/5 ,rj-uftojk

#ml tcdgls dlgjw prlslkt tml rlsugts jn )rjbuftojk Cubot wotm tml mlgp jn nrlulkfols ckb

plrflktcils.

Rml prjirces crl cgoikoki wotm yjur -ueck /lsjurfls #jgofols


Fueugctovl

Xlrflkt


Rml ncfogotols, lquopelkt, ecfmoklry, ckb jnnofls crl ok ijjb fjkbotojk


Fueugctovl

Xlrflkt

^cgob Cirll & 9


35/51

Rml okvlktjry&fjktrjg pjgofols ckb prjflburls crl lnnlftovl


Fueugctovl

Xlrflkt


Rml qucgoty&fjktrjg pjgofols $ prjflburls crl lnnlftovl


Fueugctovl

Xlrflkt


Ncfogotols, rlsjurfls, ckb ecralts crl gjfctlb strctliofcggy


Fueugctovl

Xlrflkt


Rml nore mcs tlfmkjgjiofcg fjepltlkfols


Fueugctovl

Xlrflkt

^cgob Cirll " >>.9 >>.9 >>.9

tr!kigy Cirll 2 66.6 66.6 388.8

#!tcg 34 388.8 388.8

Rml nore mcs lkjuim ecfmokls tj ecal prjbuft


Fueugctovl

Xlrflkt

^cgob Cirll 4 3>.9 3>.9 3>.9

tr!kigy Cirll 38 "6.6 "6.6 388.8

#!tcg 34 388.8 388.8

Rml nore os usoki lvlry klw ecfmokl tj ecal plrnlft prjbuft


Fueugctovl

Xlrflkt


+7


36/51

Rml stcnn os wjraoki sufflssnuggy


Fueugctovl

Xlrflkt

^cgob tr!kigy $o%cirll 6 4.9 3>.9 388.8

#!tcg 34 388.8 388.8

&tctus jn tml nukftojkcg crlc= ,rj-uftojk?

#ml cubot jn tml )rjbuftojk blpcrtelkt rlvlcglb tmct cgg tml nukftojkcg crlcs jn

prjbuftojk crl plrnjreoki lnnofolktgy lfguboki tml njggjwokiB

3. #ml stcnn os wjraoki sufflssnuggy

". #ml nore mcs c plrnlft okbustry

+6


37/51

#ml rlspjksls jn tml eckcilelkt jn TCA Dcka rlvlcg tmct tml stcnn jn tml dcka os kjt

wjraoki sufflssnuggy. &urtmlr njggjwoki tml frlbot frukfm ckb tml rlflssojk ncflb dy

bonnlrlkt dckas jn tml wjrgb tml eckcilelkt rlvlcglb tmct tml dckaoki okbustry os ok frosos.

(ktlr0ol.s ck- Jslr0ctojks ok ,rj-uftojk?

#ml oktlrvolws fjkbuftlb ok tml prjbuftojk blpcrtelkt ckb tml jdslrvctojks rlvlcg tmct

cffjrboki tj tml eckcilelkt jn tml dcka tml dckaoki okbustry os ok frosos.

Fmc'tlr (;

FJKF)&(JK&

#$% Fjpcky prj&gl

Cntlr c bltcoglb ckcgysos jn fjepcky prjnogl ot os fjkfgublb tmct TCA Dcka mcs

smjwk dlttlr klt prjnots ok "?3" cs fjepcrlb tj "?33. #ml dcka mcs cbjptlb c fjkslrvctovl

strctliy wmlk ot fjels tj gjck ukblrwrotoki ckb prjvosojkoki.

#ml dcka mcs oktrjbuflb tmrll klw slftjrs ok Vecgg ckb %lboue 8ktlrprosl

Dckaoki$ lkmckflb jkgokl dckaoki$ ckb okstcgglb klw C#%@s. ul tj fjkslrvctovl strctliolstml dcka os gjsoki jk tml ec!jr ecralt smcrl wotm rlsplft tj tjtcg csslts smjwk ok tml

okbustry prjnogl slftojk cdjvl$ TCA Dcka mcs jkgy 3.3I ecralt smcrl jn tml dckaoki

ecralt ok 2C8. #ml ec!jr pjrtojk jn tjtcg csslts ok tml dckaoki okbustry jn 2C8 fjels

nrje blpjsots cs bosfusslb cdjvl$ cbjptoki c fjkslrvctovl strctliy mcs lvlktucggy rlbuflb

tml ecralt smcrl jn TCA Dcka.

'$% (osojk ckb )ossojk

#ml vosojk ckb eossojk stctlelkt jn TCA Dcka crl kjt wlgg fjeeukofctlb cs fjepcrlb

wotm tml fjepltotjr ,DC$ fjkslulktgy tml jd!lftovls ckb ijcgs crl kjt elcsurcdgl. #ml

tjp eckcilelkt jn tml dcka os kjt fjeeukofctoki tml pjgofols tmrjuimjut tml jrickoctojk

fjkslulktgy glcboki tj gjssls ckb glsslr ecralt smcrls jn TCA Dcka.

+


38/51

*$% Vtctus jn tml "ukftojkcg +rlcs

6/3 $ckclelkt

#ml eckcilelkt Cubot wotm tml mlgp jn tml ulstojkkcorl smjwlb tmct TCA dcka oslnnlftovlgy usoki strctliof eckcilelkt fjkflpts. #ml rlsugts jn tml bctc fjgglftojk cgsj smjw

tmct tml jrickoctojk@s strufturl os cpprjproctl ckb tml !jd blsfroptojks ckb splfonofctojks ct

TCA Dcka crl fglcr.

#ml njggjwoki crlcs jn tml dcka rluorl urilkt cttlktojkB

3. #ml jd!lftovl$ ijcgs crl elcsurlcdgl ckb wlgg fjeeukofctlb

". %ckcilrs ct cgg glvlgs pgck lnnlftovlgy

+. #ml eckcilrs blglictl wlgg

0. #ml tjp eckcilelkt fjeeukofctls pjgofols tmrjuim tml jrickoctojk wlgg.

7. #ml eckcilrs tcal okotoctovl.

6/4 $craltok

#ml ecraltoki cubot fjkfgublb tmct tml nore os wlgg cwcrl jn ecraltoki tlfmkouls$ ckb os

cgsj usoki sjfocg elboc fcepcoiks tj okfrlcsl fustjelr dcsl. #ml ecraltoki blpcrtelkt jn

TCA Dcka os slielktlb lnnlftovlgy ckb tml jkgokl dckaoki systle os rlgocdgl ckb fjst

lnnlftovl.

6/6 Nokckfl ck- Cffjuktok

#ml nokckfl ckb cffjuktoki cubot fjkfgublb tmct tml rlsugts jn tml nokckfocg rctojs jn tml

dcka smjw pjjr plrnjreckfl. Cgg jtmlr nukftojkcg crlcs jn tml dcka crl up tj tml ecra ckb

TCA dcka mcs c strjki nokckfocg pjsotojk.

+>


39/51

6/1 $ckclelkt (knjrectojk &ystle

#ml %OV ct TCA Dcka os upFtjFbctl ckb tml eckcilelkt cfrjss cgg tml drckfmls jn TCA

dcka lnnlftovlgy usls %OV ckb ot os vlry uslr nrolkbgy. #ml gctlst mcrbwcrl ckb sjntwcrl crl

ecoktcoklb wotm tml lnnlftovl fjktrjgglb kltwjraoki systle ckb lcfm okbovobucg os prjvoblb

plrsjkcg pcsswjrb tj cfflss tml systle.

#ml dcka jdslrvls c wlca pjgofy njr upbctoki tml bctc rliugcrgy ckb tml strctliosts ct tml

dcka crl kjt nceogocr wotm tml oknjrectojk systles uslb dy tml rovcgs.

6/7 *ueck Tlsjurfls

(ueck Tlsjurfls cubot jn TCA Dcka fjkfgublb tmct tml (T ncfogotols ct tml dcka crl

cbluctl$ (T os fjst lnnlftovl ckb tml (T plrsjkklg crl wlgg ucgonolb. #ml fjeeukofctojk

dltwllk (T ckb jtmlr jrickoctojkcg ukots jn TCA Dcka os vlry lnnlftovl ckb tml mueck

rlsjurfls blpcrtelkt fjkbufts jkgokl trcokoki slssojks. Cgsj tml (T ct TCA Dcka njggjws

ck lnnlftovl systle njr rlfruotelkt jn plrsjkklg ckb tml lepgjyll turkjvlr rctl ct tml dcka

os gjw.

#ml cubot cgsj rlvlcglb tmct tml lepgjylls jn TCA Dcka crl kjt sctosnolb wotm plrnjreckfl

cpprcoscgs.

6/5 J'lrctojk ck- ,rj-uftojk

#ml Cubot jk tml nukftojkcg crlc jn jplrctojk ckb prjbuftojk fjkfgublb tmct prjirces ct

TCA Dcka crl cgoiklb wotm (T pjgofols ckb ncfogotols$ luopelkt ckb jnnofls jn TCA Dcka

crl ok ijjb fjkbotojk ckb tml okvlktjry fjktrjg pjgofols ckb prjflburls crl lnnlftovl cs wlgg

cs tml prjflburls njr ucgoty fjktrjg. #ml Cubot cgsj fjkfgublb tmct TCA Dcka mcs

tlfmkjgjiofcg fjepltlkfols$ ecfmokl sunnofolkfy$ lkjuim lepgjylls ckb lbufctlb stcnn.

#ml cubot cgsj rlvlcglb tmct tml stcnn ct tml dcka os kjt wjraoki sufflssnuggy ckb tml dckaoki

okbustry os kjt plrnlft ok 2C8.

+=


40/51

Fmc'tlr ;

T!FJ$$!K"C%(JK&

Tlfjlkbctojks

#mos slftojk prlslkts tml rlfjeelkbctojks jk cgg tml nukftojkcg crlcs jn TCA Dcka$ wmofm

wlrl cubotlb ok tmos rlpjrt.

3/8 Fje'cky 'rjnogl

#ml fjepcky prjnogl os vlry cttrcftovl cs TCA Dcka os tml kctojkcg dcka jn 2C8 wotm

oktlrlsts jn okngulktocg eledlrs nrje 2C8 ckb Auwcot. #ml nore eust dlttlr utogol tmlsl

fjepltotovl cbvcktcils tj icok fjepltotovl lbil jvlr ots fjepltotjr ,DC.

4/8 ;osojk ck- $ossojk

Ot os rlfjeelkblb tmct TCA Dcka eust fjeeukofctl ots vosojk ckb eossojk fglcrgy tj cgg

tml stcal mjgblrs ckb eust blvlgjp ots strctliy nrje fjkslrvctovl tj ejrl fjepltotovl

strctliy lkcdgoki TCA dcka tj fjepltl ok tjbcy@s wjrgb jn rlflssojk.

#ml fjepltotjrs ok tml okbustry mcvl ejrl fglcrlb ckb wlgg fjeeukofctlb eossojk ckb

vosojk$ TCA Dcka eust ecal fmckils ok ots furrlkt strctliy jn kjt pjstoki eossojk ckb

vosojk jk tml wldsotl.

0?


41/51

6/8 Nukftojkcg Crlcs

#ml rlfjeelkbctojk jk tml nukftojkcg crlcs jn TCA Dcka crl prlslktlb dlgjwB

6 /3 $ckclelkt

TCA Dcka rlsugts jn tml eckcilelkt cubot smjw tmct tml dcka eust fjeeukofctl tml

jd!lftovls ckb tml ijcgs eust dl ejrl elcsurcdgl tj okfrlcsl tml plrnjreckfl jn tml

nukftojkcg crlc. Cgsj eckcils eust pgck lnnlftovlgy ckb blglictl wlgg tj icok tml

fjepltotovl lbil ok tml ecralt ckb tml eckcilrs eust tcal okotoctovl. #ml tjp eckcilelkt

eust fjeeukofctl pjgofols tmrjuim tml jrickoctojk tj okfrlcsl tml plrnjreckfl jn tml

eckcilelkt nukftojkcg crlc jn TCA Dcka.

6 /4 $cralt ok

#ml ecraltoki tlfmkouls uslb ok tml dcka crl lnnlftovl ckb TCA Dcka@s ecraltoki smcrl

os okfrlcsoki. TCA Dcka@s ecraltoki blpcrtelkt os plrnjreoki up tj tml ecra ckb cgsj mcs

ck cftovl sjfocg elboc fcepcoik cgjki wotm jtmlr ecraltoki strctliols.

6 /6 N okckfl ck- Cffjukt ok

#ml nokckfl jutgjja jn tml dcka os vlry ijjb ckb tml nokckfocg rctojs smjw tmct tml dcka mcswlla pjsotojk. Ot os rlfjeelkblb tmct tml dcka eust oeprjvl tml plrnjreckfl jn tml

nokckfocg nukftojks tj jdtcok dlttlr rlsugts jn tml nokckfocg rctojs tj fjepltl ok tml dckaoki

okbustry jn 2C8.

6 /1 $ckclelkt (knjrect ojk &ystle

TCA dcka mcs ck lnnlftovl %OV wmofm os flktrcggy jplrctlb dy tml eckcilelkt cfrjss cgg

tml drckfmls jn tml Dcka ok 2C8. #mlrl smjugb dl ejrl fjepltotjr rlslcrfm tj dlkfm ecra

jtmlr fjepltotjrs ok tml okbustry ckb tml bctc eust dl upbctlb rliugcrgy ok tml oknjrectojk

systle.

03


42/51

6 /7 *ueck Tlsjurfl

(ueck Tlsjurfl %ckcilelkt os fjst lnnlftovl ckb mcs lflgglkt ucgonolb tlce dut rjje

njr oeprjvlelkt losts ok fjkbuftoki ncor plrnjreckfl cpprcoscgs. Dlttlr plrnjreckfl

cpprcoscgs wogg ejtovctl tml lepgjylls lvlktucggy okfrlcsoki tml plrnjreckfl jn tml

nukftojkcg crlc.

6 /5 J'lrct ojks ck- ,rj-uft ojk

#ml jplrctojks ckb prjbuftojk prjflburls jn TCA dcka crl up tj tml ecra cs rlvlcglb dy

tml ircpmofcg ckb nrlulkfols ckcgysos cdjvl. Ot os rlfjeelkblb tmct TCA dcka eust

rlslcrfm tj nokb jut tml rlcsjks dlmokb tml stcnn dloki uksufflssnug ct wjra ckb eust duogb

fjktokilkfols tj tcal smjfa nrje tml elgtoki dckaoki okbustry jn tml wjrgb.

0"


43/51

D(D(J#TC,*+

CgF#ceoeo$ (. C.$ ; CgF%crjjlo$ %. 5"??gm?je:t%*;piL)C"=?;bLplrflktcilsEckbEnrlulkfolsEbctcEckcgys

osEokErlslcrfm;mgLlk;scLN;loL/uw#29+86le0CV:ej4Ow;vlbL?*

CJ6C8wCJXvLjklpcil;LplrflktcilsI"?ckbI"?nrlulkfolsI"?bctc

I"?ckcgysosI"?okI"?rlslcrfm;nLncgsl

0+


44/51

*jggcrbo$ D. &. 5"?3"H. )r*ctl !ckaoki, p.2.Tltrolvlb &ldrucry


45/51

TCA Dcka. 5k.b.H. Cdjut \". Tltrolvlb &ldrucry


46/51


47/51

33#ml nore@s ecraltoki eckcilrs mcvl cbluctl lplrolkfl ckb

trcokoki.

7

34 #ml nore@s oktlrklt prlslkfl os lflgglkt cs fjepcrlb tj rovcgs. +

ulstojkkcorl njr tml nukftojkcg crlc= Nokckfl ck- Cffjukts?

NokckflCffjuktok Cu-ot

"lrll

3 4 6 1 7

3 #ml nore os nokckfocggy strjki cs okbofctlb dy nokckfocg rctoj 7

4 #ml nore fck rcosl kllblb smjrtFtlre fcpotcg. 0

6 #ml nore fck rcosl kllblb gjkiFtlre fcpotcg tmrjuim bldt

+

1 #ml nore mcs sunnofolkt wjraoki fcpotcg. 0

7 *cpotcg dubiltoki prjflburls crl lnnlftovl. 7

5 ovoblkb pcyjut pjgofols crl rlcsjkcdgl. 0

: #ml nore mcs ijjb rlgctojks wotm ots okvlstjrs ckb 7

H #ml nore@s nokckfocg eckcilrs crl lplrolkflb ckb wlgg

trcoklb.

7

0


48/51

#ml nore@s bldt sotuctojk os lflgglkt. 0

38 #ml nokckfl pjgofols$ ncfogotols ckb prjflburls crl uslr

nrolkbg .

7

33 0

34 #ml nore@s trckscftojk crl prjplrgy bjfuelktlb jr rlfjrblb. 7

ulstojkkcorl usl- njr nukftojkcg crlc $ckclelkt (knjrectojk &ystle?

$ckclelkt (knjrectojk &ystles Cu-ot

"lrll

3 4 6 1 7

3Cgg #ml %ckcilrs usl tml oknjrectojk systle tj ecal

blfosojks.7

4 #mlrl os c *moln Oknjrectojk -nnoflr jr O# pjsotojk ok tml nore. 7

6 ctc crl upbctlb rliugcrgy. 7

1 %ckcilrs nrje cgg nukftojkcg crlcs fjktrodutl okput tj tml

oknjrectojk s stle.

0

7 #mlrl crl lnnlftovl pcsswjrbs njr lktry oktj tml nore@s

oknjrectojk systle.

7

5Vtrctliosts jn tml nore crl nceogocr wotm tml oknjrectojk

systles jn rovcg nores.

0

0>


49/51

: #ml oknjrectojk os systle uslrFnrolkbgy. 7

HCgg uslrs ukblrstckb tml fjepltotovl cbvcktcils tmct

oknjrectojk fck prjvobl.

0

*jeputlr trcokoki wjrasmjps prjvoblb njr uslrs. +

38 #ml &ore@s systle 5Vjntwcrl ckb (crbwcrlH crl oeprjvlb

rliugcrgy.

7

33 #ml nore prjvobls jkgokl cppgofctojk ckb trckscftojks. 7

3" #ml nore@s trckscftojks crl prjplrgy bjfuelktlb jr rlfjrblb. 7

ulstojkkcorl usl- njr nukftojkcg crlc= *ueck Tlsjurfl?

*ueck Tlsjurfl Cu-ot

"lrll

3 4 6 1 7

3 #ml (T ncfogotols crl cbluctl. 7

" (T os jutsjurflb ckb os fjstFlnnlftovl. 7

+ #ml (T plrsjkklg crl wlgg ucgonolb. 7

0 #ml fjeplksctojk systle os dcslb jk slkojroty pcy. 7

7 8epgjylls crl sctosnolb wotm tml fjeplksctojk systle. 0

6*jeeukofctojk dltwllk (T ckb jtmlr jrickoctojkcg ukots

os lnnlftovl.

7

0=


50/51

< #ml %ckcilrs jr suplrvosjrs fjkbuft ncor plrnjreckfl

cpprcoscgs.7

> #ml (T fjggcdjrctls wotm jtmlr blpcrtelkts ok blvlgjpoki

ckb oeprjvoki tml lepgjylls cgjki wotm tml wjra tcsas

7

= #ml (T fjkbuft jkgokl trcokoki slssojks. 0

3? #ml (T njggjws lnnlftovl rlfruotelkt ckb slglftojk

prjflburls.7

33 #ml (T eckcilr gostlks tj lepgjyll@s kllbs ckb wjras tj

ecal tmlor kllbs elt.7

3" #ml lepgjyll turkjvlr rctl os moim. 0

ulstojkkcorl usl- njr nukftojkcg crlc= ,rj-uftojk?

,rj-uftojk Cu-ot

"lrll

3 4 6 1 7

3 #ml prjirces crl cgoikoki wotm yjur (ueck Tlsjurfls

)jgofols.

7

" #ml ncfogotols$ luopelkt$ ecfmoklry$ ckb jnnofls os ok ijjb

fjkbotojk.

7

+ #ml okvlktjryFfjktrjg pjgofols ckb prjflburls crl

lnnlftovl.

+

0 #ml ucgotyFfjktrjg pjgofols ; prjflburls crl lnnlftovl. 7

7 &cfogotols$ rlsjurfls$ ckb ecralts strctliofcggy crl gjfctlb. 0

7?


51/51

6 #ml nore mcs tlfmkjgjiofcg fjepltlkfols. 0

< #ml nore mcs lkjuim ecfmokls tj ecal prjbuft. 7

>#ml nore usoki lvlry klw ecfmokl tj ecal plrnlft

prjbuft.

7

= #ml nore mcs lkjuim lepgjylls 7

3? #ml stcnn os wjraoki sufflssnug. 0

33 #ml nore mcs lbufctlb stcnn. 7

3" #ml nore mcs plrnlft okbustry. 7

functional area audit report - rak bank

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