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NOTICE OF 23rd ANNUAL GENERAL MEETING

Notice is hereby given that the 23rd Annual General Meeting of the Shareholders of

Bank of Maldives Plc will be held on Saturday, the 24th June 2006 at 8:30 p.m. at

Dhoshimeynaa Hall, Dharubaaruge, Male', to conclude the following business:-

1. Confirmation of Minutes of the 22nd Annual General Meeting.

2. To receive and adopt the Directors’ Report and the Auditor’s Report.

3. Consideration and adoption of Balance Sheet as at 31st December 2005

and the Income Statement of Bank of Maldives Plc for the year ended

31st December 2005.

4. Confirmation of Dividend payment for the year 2005.

5. Intimation of nomination of the nominee Directors and election of 3

Directors from Public Shareholders in terms of Article 41 of the Articles of

Association.

6. Appointment of Auditors and fixation of their remuneration.

7. Any other issues.

By order of the Board

Serene Ho Oi Khuen

Company Secretary

Dated: 06th June 2006

1

iA

nnua

l Rep

ort

2

Branches / Auditors /Company Secretary

Contacts

Profile

Mission Statement

Our Vision

Highlights

Senior Management Team

Department Managers

Branch Managers

Chairman’s Statement

Board of Directors

The Directors’ Report

Report of the Auditors

Income Statement

Balance Sheet

Statement of Changes in Equity

Cash Flow Statement

Notes to the Financial Statements

Dhivehi Section

CONTENTS

BANK OF MALDIVES PLC - ANNUAL REPORT 2005

3

4 - 5

6 - 7

8

9

10

11

12

13

14 - 15

16 - 17

18 - 34

35

36

37

38

39

40 -59

60 - 117

3

Branches

Bazar Branch, Male’

Dhidhdhoo Branch, Haa Alifu Atoll

Eydhafushi Branch, Baa Atoll

Fonadhoo Branch, Laamu Atoll

Fuvahmulaku Branch, Gnaviyani Atoll

Gan Branch, Seenu Atoll

Hithadhoo Branch, Seenu Atoll

Hulhumale’ Branch, Hulhumale’

Hulhumeedhoo Branch, Seenu Atoll

Kulhudhuffushi Branch, Haa Dhaalu Atoll

Main Branch, Male’

Majeedheemagu Branch, Male’

Male’ International Airport Branch, Hulhule

Muli Branch, Meemu Atoll

Naifaru Branch, Lhaviyani Atoll

Thinadhoo Branch, Gaafu Dhaalu Atoll

Ungoofaaru Branch, Raa Atoll

Villimale’ Branch, Villingili, Male’

Villingili Branch, Gaafu Alifu Atoll

Auditors

PricewaterhouseCoopers

P. O. Box 20124

02 - 03, 2nd Floor

Aage’

12, Boduthakurufaanu Magu

Male’

Republic of Maldives

Company SecretaryMs Serene Ho Oi Khuen

BRANCHES/ AUDITORS/COMPANY SECRETARY


4

HEAD OFFICEBank of Maldives Plc

11, Boduthakurufaanu Magu, Male’, 20094,


Company Registry No. C-22/1982

Tel: +(960) 332 2948

Fax: +(960) 332 8233

Swift: MALBMVMV

website: www.bankofmaldives.com.mv

e-mail: [email protected]

Telex: 77030 BANKOM MF

CONTACTS


Card Centre

Bank of Maldives Plc

5th Floor, Bank of Maldives Building


Male’ 20094


Tel: +(960) 333 0200

Fax: +(960) 333 0295


Corporate Affairs Department




Male’ 20094


Tel: +(960) 333 0188

Fax: +(960) 333 0185


Credit Department




Male’ 20094


Tel: +(960) 333 0152

Fax: +(960) 333 0185


Development Banking Cell


2nd Floor, Bank of Maldives Building


Male’ 20094


Tel: +(960) 333 0162

Fax: +(960) 333 0186


Enterprise Banking Department




Male’ 20094


Tel: +(960) 333 0298

Fax: +(960) 333 0186


Finance Department


H. Orchidmaage

Lotus Goalhi

Male’ 20095


Tel: +(960) 333 0132

Fax: +(960) 333 0249


Foreign Department




Male’ 20094


Tel: +(960) 333 0156

Fax: +(960) 333 0184


Human Resources Department




Male’ 20094


Tel: +(960) 333 0122

Fax: +(960) 333 0263


Information Technology Department




Male’ 20094


Tel: +(960) 333 0110

Fax: +(960) 333 0115


Inspection Department


H. Orchidmaage

Lotus Goalhi

Male’ 20095


Tel: +(960) 333 0181

Fax: +(960) 333 0249


Legal Affairs & Documentation

Department



11, Boduthakurufaanu Magu,

Male’ 20094, Republic of Maldives

Tel: +(960) 333 0154

Fax: +(960) 333 0185


Public Relations and Administration

Department



11, Boduthakurufaanu Magu,

Male’ 20094, Republic of Maldives

Tel: +(960) 333 0133

Fax: +(960) 333 0115


HEAD OFFICE DEPARTMENTS

5

CONTACTS


Bazar BranchBank of Maldives PlcOrchid Magu,Male’, 20188Republic of MaldivesTel: +(960) 333 0222Fax: +(960) 333 0220e-mail: [email protected]

Dhidhdhoo BranchBank of Maldives PlcNiloafaru MaguHaa Alifu Dhidhdhoo, 01100Republic of MaldivesTel: +(960) 650 0066Fax: +(960) 650 0066email: [email protected]

Eydhafushi BranchBank of Maldives PlcYoosuf Kaleyfaanu MaguBaa Eydhafushi, 06080Tel: +(960) 660 8428Fax: +(960) 660 8431email: [email protected]

Fonadhoo BranchBank of Maldives PlcAndhaleebu MaguLaamu Fonadhoo, 15080Republic of MaldivesTel: +(960) 680 0729Fax: +(960) 680 0729email: [email protected]

Fuvahmulaku BranchBank of Maldives PlcBahaaru MaguGnaviyani Fuvahmulah, 18014Republic of MaldivesTel: +(960) 686 5003Fax: +(960) 686 0665email: [email protected]

Gan BranchBank of Maldives PlcBlock No.502Seenu Gan, 19070Republic of MaldivesTel: +(960) 689 8014Fax: +(960) 689 8087e-mail: [email protected]

Hithadhoo BranchBank of Maldives PlcGhaazee Magu, MedhuvaluSeenu Hithadhoo, 19020Republic of MaldivesTel: +(960) 688 5011Fax: +(960) 688 5013email: [email protected]

Hulhumeedhoo BranchBank of Maldives PlcBahaaudhdheen MaguSeenu Hulhudhoo, 19060Republic of MaldivesTel: +(960) 689 5700Fax: +(960) 689 4029email: [email protected]

Hulhumale’ BranchBank of Maldives PlcUnit (C-G-05), Bageechaa HigunHulhumale’, 23000Republic of MaldivesTel: +(960) 335 0067Fax: +(960) 335 0526email: [email protected]

Kulhudhuffushi BranchBank of Maldives PlcHaa Dhaalu Kulhudhuffushi, 02110Republic of MaldivesTel: +(960) 652 8813Fax: +(960) 652 7611email: [email protected]

Main BranchBank of Maldives Plc1st Floor, Bank of Maldives Building11, Boduthakurufaanu MaguMale’, 20094Republic of MaldivesTel: +(960) 333 0144Fax: +(960) 333 0180e-mail: [email protected]

Majeedheemagu BranchBank of Maldives PlcMajeedhee Magu,Male’, 20138Republic of MaldivesTel: +(960) 333 0202Fax: +(960) 333 0210e-mail: [email protected]

Male’ International Airport BranchBank of Maldives PlcHulhule, 22000Republic of MaldivesTel: +(960) 331 5211Fax: +(960) 331 5211e-mail: [email protected]

Muli BranchBank of Maldives PlcRankokaa MaguMeemu Muli, 11050Republic of MaldivesTel: +(960) 672 0001Fax: +(960) 672 0001email: [email protected]

Naifaru BranchBank of Maldives PlcMarine DriveLhaviyani Naifaru, 07020Republic of MaldivesTel: +(960) 662 0319Fax: +(960) 662 0319email: [email protected]

Thinadhoo BranchBank of Maldives PlcVaruhagu MaguGaafu Dhaalu Thinadhoo, 17100Republic of MaldivesTel: +(960) 684 1002Fax: +(960) 684 1984email: [email protected]

Ungoofaaru BranchBank of Maldives PlcMiskiy MaguRaa Ungoofaaru 05060Republic of MaldivesTel: +(960) 658 0272Fax: +(960) 658 0272email: [email protected]

Villingili BranchBank of Maldives PlcAmeenee MaguGaafu Alifu Villingili, 16020Republic of MaldivesTel: +(960) 682 0005Fax: +(960) 682 0005email: [email protected]

Villimale’ BranchBank of Maldives PlcBlock No. 31Villingili,Male’ , 21017Republic of MaldivesTel: +(960) 339 1650Fax: +(960) 339 1651email: [email protected]

BRANCHES

6

PROFILE

Bank of Maldives Plc was inaugurated on November 11, 1982 by the

President His Excellency Maumoon Abdul Gayoom. It started

commercial operation as a joint venture bank with 60% shares held

by the Government of the Maldives (including its Agencies and

Maldivian Companies) and 40% shares owned by International

Finance Investment Company Limited (later IFIC Bank Limited),

Dhaka, Bangladesh, respectively. From the inception of the Bank,

until 31st December 1992, under a Management Contract with IFIC

Bank Ltd, the Bank was managed by IFIC Bank Limited. Under this

contract IFIC was to bring in professionals to run the Bank and lay a

sound foundation for the Bank, and they were paid 10% of the Bank's

profit.

During the tenth year of the Bank, the Government of Maldives

decided not to renew the Management Contract with IFIC Bank Ltd

and to re-structure the Bank of Maldives and hence requested the

IFIC Bank Ltd to reduce the share holding and also the number of

representation in the Board. Consequently IFIC Bank Ltd decided to

dispose off its entire shares in the Bank of Maldives and terminate

its relations with the Bank with the expiry of the Management

Contract on December 31, 1992. On 14 November 1992,

Government of Maldives purchased 40 per cent shares held by IFIC

Bank Ltd. As a result, 80 per cent of the share capital of the Bank of

Maldives was owned by the Government while the remaining 20 per

cent of the share capital was sold equally to the State Trading

Organization and Maldives Transport and Contracting Company

respectively.

In December 1992, the Government decided, to sell Bank's shares

to the general public, with a view to expand the Bank's capital.

From January 1, 1993, Bank of Maldives Plc has become, and since

then remained, a bank fully owned by the people and the

Government of the Maldives.

The Bank of Maldives Plc issued shares during 1993, 1994, 1995,

1996, 1997 and 1998. As a result of these share issues, the paid up

capital has risen from Rf 5 million in 1992 to Rf 36.516 million in

1998. As no shares were issued since 1998, the paid up capital of

the Bank by the end of 2005 remained at Rf 36.516 million.

The main business of the Bank is retail banking. In addition to

handling development banking activities in all the atolls of the

Republic, Bank of Maldives Plc extends a variety of modern banking

services on line, in a fully computerized environment and is proud to

serve the nation as the leading bank in the Maldives.

Presently the Bank of Maldives Plc has 19 branches. Three out of

nineteen branches are in Male', the capital, one in Male'

International Airport (Hulhule' Island), one is in Villingili ward, the

fifth ward of Male' and one branch in Hulhumale’. The other thirteen

branches are distributed amongst the atolls of the country, each

with a designated command area. Hence, the Bank of Maldives Plc

is able to serve the whole nation. The sequence of opening the

Bank of Maldives Plc offices shows the growth of the

horizontal expansion of the Bank.

23 May 1982

Registered as a company with Ministry of Home Affairs

10 November 1982

Licensed to operate as a banking business from Maldives Monetary

Authority

11 November 1982

Main Branch and Head Office, Male'

01 December 1983

Gan Branch (Seenu Atoll)

29 December 1984

Majeedhee Magu Branch, Male'

29 December 1987

Bazar Branch, Male'

26 June 1990

Naifaru Branch (Lhaviyani Atoll)

29 December 1991

Kulhudhuffushi Branch (Haa Dhaalu Atoll)

16 January 1993

Fonadhoo Branch (Laamu Atoll)

17 January 1994

Hithadhoo Branch (Seenu Atoll)

10 October 1994

Muli Branch (Meemu Atoll)

30 October 1994

Thinadhoo Branch (Gaafu Dhaalu Atoll)


7

PROFILE

23 November 1995

Fuvahmulaku Branch (Gnaviyani Atoll)

30 November 1997

Villingilli Branch (Gaafu Alifu Atoll)

20 August 1998

Male' International Airport Branch (Hulhule)

11 March 2001

Dhidhdhoo Branch (Haa Alifu Atoll)

09 October 2003

Villimale’ Branch, Villingili, Male’

12 October 2003

Hulhumeedhoo Branch (Seenu Atoll)

15 October 2003

Ungoofaaru Branch (Raa Atoll)

03 April 2005

Hulhumale’ Branch (Hulhumale’)


11 May 2006

Eydhafushi Branch (Baa Atoll)

On 29 December 1997, H.E. President Maumoon Abdul Gayoom laid

the foundation stone of the 8-storey Bank of Maldives Building on

Boduthakurufaanu Magu, and it was declared open by the

President on 27 January 2000. The same day, His Excellency the

President inaugurated the Bank's Automated Teller Machine service,

the first of its kind in the country.

Bank of Maldives Plc through its Development Banking activity is the

implementing agency of the Atolls Credit and Development Banking

Project (ACDBP), which covers the Northern and Central Atolls from

Haa Alifu to Laamu Atoll and the Southern Atolls

Development Project (SADP) which covers the four southernmost

atolls namely Gaafu Alifu, Gaafu Dhaalu, Gnaviyani and Seenu

Atolls. The first project was financed by long-term borrowings from

the International Fund for Agricultural Development (IFAD) and the

second project was financed by long-term borrowings from the

International Fund for Agricultural Development (IFAD) and Opec

Fund for International Development (OPEC) through the

Government of Maldives.

Bank’s Eydhafushi Branch declared open by Minister of Finance and Treasury Hon. Qasim Ibrahim on 11th May 2006

8

MISSIONSTATEMENT


Serving The Nation

9

OUR VISION

"We will lead the way through quality of services and dedication of our

staff. We will serve all our communities to the best of our ability, strive

always to listen to your needs and so build total customer confidence and

satisfaction."

Bank of Maldives - Proud To Be Maldivian


10

HIGHLIGHTS

207.15

90.00

2,239.56

1,200.00

600.00

1,000.00

775.88

100.00

3,460.44

1,800.00

975.00

1,550.00

629.99

95.00

2,779.55

1,350.00

750.00

1,175.00

190.46

85.00

2,032.40

750.00

585.00

650.00

(all amounts in Maldivian Rufiyaa)

For the Year 2002 2003 2004 2005

Earnings per Share (EPS)

Dividend per Share

Net assets value per share

Market value per share.

Highest

Lowest

At end of year

2001

460.99

85.00

1926.95


11

SENIOR MANAGEMENTTEAM

From left:

Mr Ajith Mahinda Akmeemanage Don (Chief Financial Officer), Ms Fathimath Manike (Assistant General Manager), Ms Aishath Noordeen (Assistant General Manager), Ms Serene Ho Oi Khuen

(General Manager and CEO), Ms Nadiya Hassan (Assistant General Manager) and Mr Lua Too Swee (Chief Credit Officer)


Photo:May 2006

12

DEPARTMENTMANAGERS


Standing from left:

Mr Mohamed Haleem (Manager - Development Banking Cell), Mr Ali Adam (Manager - Enterprise Banking Department), Mr Mohamed Shareef (Manager - Card Centre), Mr Hassan Shaam

(Manager - Public Relations and Administration Department), Mr Nasrullah Abdul Wahid (Manager - Finance Department), Mr Yamin Adam (Manager - Foreign Department), Mr Adly Ahmed

Didi (Manager - Information Technology Department)

Sitting from left:

Mr Mohamed Ahmed (Manager - Inspection Department), Mr Mohamed Ismail (Manager - Legal Affairs and Documentation Department), Ms Aminath Shaheen (Manager - Credit

Department), Mr Ahmed Rasheed (Manager - Human Resources Department) and Mr Hassan Rasheed (Manager - Corporate Affairs Department)

Photo:May 2006

13

BRANCHMANAGERS


Back row standing from left:

Ms Hidaya Ahmed (Manager - Main Branch), Mr Mohamed Ibrahim (Manager - Eydhafushi Branch), Mr Abdulla Sobah (Manager - Dhidhdhoo Branch), Ms Sharmeela Mohamed

(In-charge - Villimale’ Branch)

Second row standing from left:

Mr Abdulla Shameem (Manager - Male’ International Airport Branch), Ms Fathimath Rasheeda (Manager - Majeedhee Magu Branch), Mr Abdul Azeez Rifau (In-charge - Thinadhoo Branch),

Mr Ibrahim Ali (Manager - Hulhumale’ Branch), Mr Abdulla Sujau (In-charge - Ungoofaaru Branch), Mr Firaq Ahmed (Manager - Naifaru Branch), Mr Hassan Abdulla (Manager - Fuvahmulaku

Branch), Ms Fathimath Maleeha Jamal (Manager - Hulhumeedhoo Branch), Ms Fathimath Nihan (Manager - Gan Branch)

Sitting from left:

Ms Muneera Ali (Manager - Kulhudhuffushi Branch), Mr Mohamed Niyaz (In-charge - Villingili Branch), Mr Mohamed Mueen (Manager - Fonadhoo Branch), Mr Ali Rasheed (Manager - Muli

Branch), Mr Ahmed Niyaz (Manager - Bazar Branch) and Ms Mariyam Solih (Manager - Hithadhoo Branch)

Photo:May 2006

14

Towards Stability

With the blessing of Almighty Allah on behalf of the Board of

Directors, I am pleased to present the annual Report and Accounts

of Bank of Maldives Plc for the year 2005.

The overall macroeconomic situation during the first quarter of the

year came under pressure, following the aftermath of tsunami.

However, signs of speedy recovery from the economic downturn

was seen during the second half of the year due to active

participation and contribution from all the key stakeholders in the

country. The tourism sector which suffered a crippling blow after

the December 2004 tsunami is seen to be bouncing back with strong

growth in both tourist arrivals and bed nights due to vigorous

marketing and promotional campaigns organized by the industry

stakeholders to boost arrivals from key source markets The

domestic fisheries industry also strengthened faster with global

price increases in fish export market due to bird flu. Meanwhile,

the construction sector activities were very buoyant during the

year due to reconstruction activities both in inhabited islands and

in tourist resorts which were damaged by the tsunami. Robust

growth in the tourism, fisheries and construction sectors during

the second half of the year has driven distributional activities in

the country tremendously.

Despite economic backdrop brought about by the tsunami and sharp

rise in oil prices during 2005, Bank of Maldives has proven itself

once again that it is profitable and financially sound. Taking up

these adverse effects as a challenge, bank achieved a pre-tax profit

of Rf 126 million in 2005, up from Rf. 103 million in 2004 and

shareholders’ equity increased by 25% .

I was honoured to be offered the position of Chairman of Bank of

Maldives Plc (BML) in September 2005. Over the last 24 years of

its life as a bank, the BML has played an important role in the

development of financial services in the Maldives.

Our primary focus is on performance. We have continued to build

on our record of accomplishment. We have seen improvement in

all our key financial areas. There has been broad based revenue

growth in the Bank.

Further, the Bank made continuous challenging to keep the Deposit

base, the main source of funding, to a growth of 28% over last

year posting the 2005 total Deposit base to Rf 3.5 billion

Prospects for 2006

In Maldives, a gradual dissipation of the adverse impact of the

tsunami disaster on some sub-sectors of the economy can be seen.

Tsunami related reconstruction could also boost aggregate demand

and output. Accordingly, economic performance is expected to be

better in 2006. More positively, given the Government’s strong

emphasis on Tourism, Fisheries, Agriculture and Atolls Development

projects, a revival in these sectors could be anticipated in 2006.

Bank of Maldives is looking ahead to the future with confidence.

The Bank has increased the training budget for the year 2006 and

will increase graduate intake. The Bank intends to expand its

operations, both in terms of accessibility and range of products

while continue to expand its presence within Maldives by opening

more Atoll branches. We plan to construct a 5-storey building at K.

Villingili to ease the head office building congestion and a single

storey building for S. Gan branch at Maradhoo Feydhoo. Your Bank

would also constantly probe new business opportunities like

introduction of internet banking.

CHAIRMAN’SSTATEMENT

Abdul Hameed MohamedChairman and Managing Director


15

CHAIRMAN’SSTATEMENT

Gratitude

On behalf of the Board of Directors and on my own behalf, I would

like to express my sincere appreciation to the management and

staff who drove the 2005 profit performance. I wish to express my

gratitude to my colleagues on the Board for their valuable

contributions and on behalf of the Board I pay tribute to the efforts

of Mr Ibrahim Zuhair who lead the Bank as Chairman from 19th

November 2003 to 28th June 2005. I also would like to thank the

shareholders and customers for their confidence and support to

the Bank.

I also take this opportunity to express my gratitude to those Board

members who served the Bank and left us recently because of

their new assignments. I do appreciate the guidance and

cooperation given by the Minister of Finance and Treasury, Mr Qasim

Ibrahim.

On behalf of the Board of Directors, I wish to extend our sincere

gratitude to His Excellency President Maumoon Abdul Gayoom for

his new vision in nation building especially in financial sector reform.

May Almighty Allah bless our Bank and guide the Bank in its future

endeavors.

Abdul Hameed Mohamed

Chairman

Board of Directors

10th May 2006


16

BOARD OFDIRECTORS

From left:

Mr Ahmed Hamza, Mr Mohamed Abdul Sattar, Mr Imad Solih, Mr Mohamed Ahmed Didi, Mr Abdul Hameed Mohamed (Chairman),

Mr Azam Farish and Ms Fathimath Nuzuha


17

Ms Serene Ho Oi Khuen (General Manager and CEO), Mr Ahmed Imad Mohamed, Mr Mohamed Hussain Maniku, Ms Fathimath Sheereen Abdulla,


18

OVERVIEW 2005

The year commenced under a cloud of uncertainty. The tsunami

had wrecked coastlines and livelihoods. It had also jolted mindsets

and attitudes and dropped more than a seed of ambiguity in the

minds of the business sector. Yet from this uncertainty and

trepidation the country rebounded and the Bank was proud to be

part of this revival. In exercising tight control in liquidity and credit

risk management while having to support the funding needs of

tsunami effected resorts and atolls, we ensured that the Bank meets

or exceeds its targets. We ended 2005 secure with the thought of

having delivered value to all our stakeholders: shareholders,

customers, employees and their families, the larger society and

the nation.

Solid performance in most areas of business helped the Bank report

a record level of earnings in 2005. Strong organic growth was seen

in almost all major activities. Despite the customer base and the

volumes of business recording substantial increases, the Bank

managed to maintain a consistent risk profile and in fact reported

improvements in credit quality in terms of non performing assets

ratio and level of provisioning for possible loan losses. Costs

remained firmly under control and growth in earnings well exceeded

growth in costs.

Capital Adequacy Ratios remained robust. Besides relying on profit

retention to support the enhanced capital requirements arising from

the growth in risk-weighted assets, the bank has plans to tap the

domestic capital market to raise additional equity capital.

FINANCIAL REVIEW

Bank of Maldives Plc charted yet another year of improved

performance, turning in a pre-tax profit of Rf 126 million in 2005

up from Rf 103 million in 2004. This increased return mainly

attributable to the strong loan growth of 55% achieved during

2005 boosting the total loan book to Rf 2.8 billion as at year end.

Net interest margin of the Bank increased by 22% amounting to

Rf 175 million in 2005 as against Rf 143 million in 2004 mainly as

a result of changing the mix of the assets from low yielding Money

Market investments to high yielding Loans and Advances coupled

with additional lending funded by increased deposits.

THE DIRECTORS’REPORT

Total income increased by 25% to Rf 359 million from Rf 287 million,

while total expenses increased by 27% to Rf 233 million from Rf

184 million.

Fees and commissions received during the year 2005 have shown

an increase of 59% to Rf 95 million compared to Rf 60 million for


19


the year 2004. This is mainly attributable to 15% increase in

trade related income, and 198% increase in card related business.

Operating expenses grew by 32% from Rf 129 million to Rf 170

million. Increase in operational expenses is primarily as a result of

Card membership fees and transaction charges incurred on Card

operations. Credit card expenses increased to Rf 24 million in 2005

from Rf 6 million incurred in 2004, with the acceleration of the

credit card project into American Express, Visa and MasterCard

acquisition; and launching of first ever American Express and Visa

card issue business in Maldives. The corresponding recovery of

these charges and commission are reflected under Fee based

income as mentioned above.

Further as a prudential measure the Bank increased the General

Loan loss Provision as at year end 2005 to stand at 1% on total

Loans and Advances which gave rise to an increase in provision

expense by Rf 14 million.

Notwithstanding the shock of 2004 tsunami that affected the entire

country, the Bank continued to achieve satisfactory growth and

serve its customers across a broad range of business activities.

The Bank’s asset base increased by 26% to reach Rf 4.1 billion as

at 31st December 2005 from Rf 3.3 billion as at 31st December

2004. The Return on average assets for 2005 is 2.6%.

Loans and advances increased 55% to reach Rf 2.8 billion whilst

deposits from customers rose by 28% to Rf 3.5 billion. The loan

deposit ratio increase to a sustainable level of 80% at 31st December

2005 from 66% at 31st December 2004. The growth in loans and

advances is a spin off from January 2004 as an initiative of target

marketing of the total banking relationship covering trade finance,

loans, electronic banking and credit card business to the top tier

corporate customers. They have responded to better customer

service and Bank’s mission of ‘Serving the Nation’, through broad

product range and widespread branch network.

More importantly, the Bank has continued to deliver the customer

service by supporting the tsunami affected resorts and atolls

through temporary working capital facilities and loan reschedules

in the aftermath of tsunami in 2005, contributing towards the loan

growth.

Of the 30,850 loans outstanding as of 31st December 2005, over

99% of the number of loans is in the standard category while the

remaining 1% is categorised under the various stages of

non-performing assets as per Maldives Monetary Authority

regulations. Though the number of loans and advances classified

as non-performing assets is 1%, it represents nearly 9% of the

total amount of loans and advances. This is due to 2 large historical

exposures in the corporate sector, which is collateralised against

resort islands and is adequately provided under specific provision.


20



Standard loans represented 91% of all outstanding loans and

advances.

Earnings per share in 2005 increased to Rf 775.88 compared to Rf

629.99 in the year 2004.

Capital Structure

The authorised and paid up share capital of the Bank during financial

year 2005 remained unchanged as has been since 1998. The

existing level of paid up capital and reserves is in excess of the

minimum required by the Maldives Monetary Authority, which is

also in line with that prescribed internationally by the Basle Capital

Accord. In line with the increase in the level of lending and expansion

Shareholders’ funds, before appropriation of profit, has increased

to Rf 421 million reflecting a comfortable growth of 24% compared

to financial year 2004. By the end of the financial year 2005, the

net book value or the net asset value of each of the 121,720

ordinary shares of face value Rf 300 issued by the Bank rose to Rf

3,461. The return on average shareholders’ funds remains at 25%

for the last two years.

21



of the Bank, the Bank has plans for additional share issue. The authorised capital remained at Rf 300,000,000/- and the issued, subscribed

and paid up capital of the Bank as at 31st December 2005 remained at Rf 36,516,000/-.

The breakdown of shareholdings is given below:-

working capital, trade finance and remittance services, and project

finance.

During the first half of the year under review, the Bank continued

its support to its corporate clientele affected by the Tsunami by

restructuring advances (allowing them moratorium of 6- 8 months

on principle repayments) and offering other solutions to overcome

difficulties faced. Many entrepreneurs saw this as an opportunity

to reconstruct and refurbish tourist resorts while they undertook

repair of the damage caused by the Tsunami. Despite the sudden

set back, the resilient tourism industry rapidly bounced back to

pre-tsunami level of activity by year end 2005.

Over 48% of the Bank’s total advances are to the tourism sector

followed by 20% for other activities; other activities consist of

Electricity, Gas, Water and Sanitary Services (0.33%), Transport,

Storage Communications (38%), Services (17%), and Employees,

and activities not adequately described (45%).

Fisheries sector is the second largest contributor to GDP. The Bank’s

lending to this sector stood at Rf 300 million as at end December

2005 compared to Rf 221 million in 2004. Presently, the bank is

the leading lender to the fisheries sector with major clients including

the state owned fishing company and leading private sector fishing

companies. The Bank funds fishing vessels and fish processing in

its development banking sector. In order to further strengthen and

ensure sustainable development of this promising sector in the

medium and long term, the Bank is keen to support future

Shareholders as at 31.12.2005

Government

State Trading Organisation Plc (STO)

Maldives Transport and Contracting Company Plc (MTCC)

Government Employees' Provident Fund

Account of Rayyathun*

General Public

TOTAL

Number of Shares

62,077

6,086

6,086

10,955

6,086

30,430

121,720

Amount (Rufiyaa)

18,623,100

1,825,800

1,825,800

3,286,500

1,825,800

9,129,000

36,516,000

Percentage Share

51

5

5

9

5

25

100

*Held by island / atoll communities through the Ministry of Atolls Development

The capital adequacy ratio is at a healthy 12.37%. This is more

than the minimum requirement of 8% of total risk-weighted capital

ratio as per the Maldives Monetary Authority. The Bank’s core capital

ratio stands at over 9.9% which is about two and half times the

Maldives Monetary Authority’s minimum requirement of 4% of core

capital ratio.

We note that the capital adequacy ratios of the Bank, both the Tier

1 or core capital and total capital (Tier 1 and Tier 2 together),

though still healthy, are falling because of the more efficient

deployment of the capital in loans and advances, resulting in higher

return on shareholders’ funds.

Corporate Banking

In the year 2005, the Bank substantially increased its lending to

major corporate borrowers and the middle tier market, making it

the major contributor to the Bank’s income. Corporate banking

contributed 28% of the total gross income as at end December

2005. Among the Bank’s corporate clients are the largest private

business establishments in the Maldives comprising of resort hotels,

trading companies, telecom companies, state owned enterprises

engaged in trading, construction, fishery, shipping and utilities

services.

The Bank’s strategy in lending to major corporate customers is to

meet all their banking requirements, by offering a total package

which includes electronic banking, credit and debit card services,

22



investments in this sector, through commercial lending and

partnership with the developmental finance agencies.

Lending to commerce (trade finance/imports) represented 11.3%

and lending to construction sector represented 7.4% of the total

loan portfolio due to stepped up activities of rehabilitation and

reconstruction in the aftermath of the Tsunami. The Bank envisages

rapid growth in these sectors in the year ahead largely due to the

ongoing construction projects in Hulhumale. Infrastructure projects

like harbour building and housing in the tsunami affected atolls

and new resorts are yet to be developed.

In manufacturing and agriculture sector corporate borrowings were

the lowest as it accounts for 2.5% and less than 1% respectively.

However, continuous efforts are being made to diversify the Bank’s

asset portfolio while simultaneously striving to reduce credit

concentrations.

Many NGOs that entered Maldives to dispense humanitarian relief,

entrusted their banking requirements to us. The Bank was able to

leverage the reputation it has built up over the years to attract

these NGOs which are looking for a bank with a wide network of

branches and the supporting technological capabilities.

Bank was actively involved in raising funds for re-development,

reconstruction and refurbishment of resort hotels, both from

domestic deposits as well as tapping short and medium term

offshore funds. In 2005 the Bank arranged US$ 15 million

syndication for Olhuveli resort tsunami restoration and

redevelopment, where two local banks and one offshore bank were

involved.

Tsunami devastation of M. Madifushi Island.

Bank of Maldives arranged US$ 15 million syndication for Olhuveli resort redevelopment

23



Trade Finance

Foreign Trade business of the Bank increased over the last year by

40.30% from Rf6.65 billion in 2004 to Rf9.33 billion in 2005. Trade

business has contributed to 10% of the Bank’s gross income. Major

imports during the year were construction materials for rebuilding

of the infrastructure destructed by the Tsunami of December 2004.

Bank has widened its network of correspondent banks and

established trade lines to facilitate structured trade financing and

handling large value Letters of Credit mainly for import of fuel.

Major fuel imports were from Singapore and the Middle East market

with L/C’s of Rf 266 million. Major exports were to Sri Lanka,

Thailand, United Kingdom and Taiwan.

Development Banking Cell

As the national bank of the country, Bank of Maldives is committed

to the development of the outer atolls and development banking

activities are a key part of the operations of the Bank. There are

twelve branches serving the population in the atolls. In addition

five mobile banking units (dhonis) are being used for the purpose

of mobile banking operations to cover the entire country. Out of

the total bank staff of 418 as at the end of the year, 36% were

employed in the area of development banking. Development

Banking accounted for 15% gross income and stood at Rf 51.9

million.

The only new branch that was opened during April 2005 was in

Hulhumale’, bringing the total number of branches operated to 18.

At the end of the year, all the branches were making profits.

Hulhumale’ branch posted a profit of Rf 613, 253 for the 3 quarters.

The Bank through its development banking activities is the

implementing agency of the Atolls Credit and Development Banking

Project (ACDBP) which covers the northern and central atolls from

Haa Alifu to Laamu Atoll and the Southern Atolls Development

Project (SADP) covers the four southernmost Atolls, namely, Gaafu

Alifu, Gaafu Dhaalu, Gnaviyani and Seenu Atolls. The first project

was financed by long term borrowings from the International Fund

for Agricultural Development (IFAD) and the second by IFAD and

the OPEC Fund for International Development (OPEC).

In addition to these branches, Development Banking Cell in Male’

provides development banking services to the three central atolls,

Kaafu, Alifu Alifu and Alifu Dhaalu Atolls.

The development projects being implemented by the Development

Banking Cell has to a great extent extended need based credit to

the rural population and this has helped them to attain income

security, ownership of productive assets and entrepreneurship skills.

With the saving habits of the beneficiaries, the projects have laid

the foundation for banking culture among them. The projects have

to a great extent emphasized on women and as a result it not only

created tremendous awareness amongst women but also made

them realize at least a part of their potential.

The main focus during the year 2005 continued to be on smaller

loans for the projects’ target group.

As in the past years, in 2006 too, Development Banking Cell will

be proactive in tapping into these sources of development financing

for atolls reconstruction and recovery.

Development Banking Cell has been appointed by the Ministry of

Finance and Treasury to administer the Island Livelihood

Revitalization and Development Program (ILRDP), coordinated by

National Disaster Management Centre, the Loan Scheme of the

Livelihood Revitalization Program (LSLRP) jointly with Maldives

National Chamber for Commerce and Industries and Maldives

Association of Tourism Industry, Loan Scheme of the Fisheries

24



Development Program(LSFDP) and Loan Scheme of the Agricultural

Development Program(LSADP) coordinated by the Ministry of

Fisheries Agriculture and Marine Resources.

Electronic Banking & Card Centre

Bank of Maldives Plc has become the frontrunner in computerized

banking in addition to being the only indigenous bank in the country.

All 18 branches of the bank are connected online, enabling

customers to conduct business with ease and convenience from

any location in the Maldives. The bank has invested in

state-of-the-art technology as part of its commitment to offer

electronic banking and debit and credit card services for all the

sectors of the economy. After the initial commencement of acquiring

major Credit Cards (Visa, MasterCard and American Express) and

the issuance of American Express Cards in the year 2004, the

Bank of Maldives Card Centre has made profound progress in the

year 2005.

In March of 2001, Bank of Maldives launched the first proprietary

card in the Maldives which although not an immediate success is

now one of the most popular modes of payment transactions. It

was no surprise that the Visa Debit Card on launch was an

immediate success as a card which could be used similarly with

the bonus of using it overseas. It has become one of the fastest

growing products of the Bank of Maldives. The launching of Visa

Credit and Debit Card in February 2005 ranks among the most

significant achievements in the history of the bank. With thousands

of customers waiting for the availability of this product the demand

for both these cards was far greater than anticipated. By the end

of 2005, there are over 65,000 active Bank of Maldives Cash Cards

With the growing local cardholder base, Bank of Maldives Card

Centre has focused on enabling more acceptances of these cards

at establishments. As such during the year 2005 hundreds of new

merchants have signed up for accepting both credit and debit cards.

24 Hours Call Centre, Bank of Maldives Card Centre

and over 3,600 Visa Debit Cards. The success of both American

Express and Visa Credit Card has resulted in over 5,400 credit

cards being issued within this short period of time.

Launching of Bank of Maldives Credit and Debit VISA Card.Bank finances production of fibre vessels

25



In addition to this the Bank of Maldives has installed Point of Sales

(POS) terminals in nearly all resorts. 855 Point of Sales terminals

in total have been installed by the end of December 2005 at resorts

and a number of sales and service outlets in Malé and some of the

atolls.

As part of the provision of enhanced services to its clients, Bank of

Maldives Card Centre introduced an entire new service to its

customers – ATM BillPay service. The Bank has signed contracts

with Dhiraagu and Wataniya (telecommunication services providers)

to create an opportunity for customers to pay their telephone bills

at their convenience. ATM BillPay allows customers the ease of

paying their bills using their cash regardless of whichever time

they choose. Customers no longer need to queue up at counters

to pay the bill. The Bank aims to provide this service to other

utility companies in the Maldives in the near future.

Although Bank of Maldives has already commenced the issuance

of Visa Cards, the Bank has plans to introduce Visa Smart Cards

guaranteeing additional security features. Visa Smart Card comes

with a built-in chip providing better security features making it

difficult to forge and prevents the skimming of cards.

STRATEGIC DIRECTION AND MANAGEMENT OF THE BANK

Each year, the Senior Management Team headed by the Chief

Executive Officer (CEO) critically reviews the Corporate Plan and

the Budget is prepared for the ensuing four years on a “rolling

basis”. After carrying out an extensive SWOT analysis on the Bank,

the Corporate Plan and the Budget incorporates the Goals,

Objectives and Strategies proposed to be implemented for achieving

them together with specific time frames, in the context of the Vision

and the Mission of the Bank. Undoubtedly, the Corporate Plan and

the Budget has immensely contributed in building up the target

driven culture across the Bank which has helped the Bank to record

superior performance year after year and maintain its preeminent

position.

The Chief Executive Officer, Ms Serene Ho Oi Khuen, a senior Asia

Pacific banker with international experience, leads the Management

team in

• Institutionalisation of management organisation and

process

• Setting organisational vision and mission statement

• Business plan and marketing strategies

• Development of human resources and training plan

• Establishing risk management framework in credit,

liquidity and fund management, internal controls and

capital policies.

In order to further strengthen the Senior Management Team, two

experienced expatriate professionals with international banking

experience, joined the Bank to the positions of Chief Credit Officer

(CCO) and Chief Financial Officer (CFO) in the beginning of year

2006.

The CCO is responsible for the implementation of best risk

management policies and procedures in lending and credit

administration, building the capacity of the Credit Department,

Launching of Dhiraagu Bill Payments via Bank of Maldives ATM’s and Branches

The Bank of Maldives Card Centre is working to build an Internet

Banking Platform to facilitate our cardholders and account holders

with easier banking options. With the growing use of the internet

around the world the Bank aims to start Internet Banking as soon

as possible. The Card Centre expects Internet Banking to receive

overwhelming support as this would enable transactions to be made

from the comfort of home.

Bank of Maldives has also undertaken to issue the popular

MasterCard products within the year 2006. MasterCard is among

the most widely accepted Credit Cards around the globe and

issuance of this card by the Bank will enrich the Credit Card portfolio

of the Bank of Maldives Card Centre.

26



providing support in steering the Bank’s operations towards

maintaining a credit portfolio of high credit standing. The CFO is

pivotal in implementing best internal control policies and procedures

in liquidity and fund management and capacity building by providing

on the job training for Finance Department and Internal Audit

Department. The three Assistant General Managers (AGMs) will

have respective areas of responsibility for Corporate Banking and

Loan Syndication, Treasury and Correspondent Banking/Trade and

Remittance services, IT and Card Centre, and Development Banking

and HR and Administration. Twelve Department Managers in the

Head Office and 18 Branch Managers report to the above Senior

Management Team.

A Credit Committee of three AGMs and CCO, chaired by CCO meets

regularly to discuss credit proposals in line with credit policies. All

credit proposals, above Rf 100,000/- loans, are discussed in the

Credit Committee before being placed for approvals in accordance

with respective levels of approval authorities. The Credit Committee

also reviews sectoral lending position, non-performing assets,

concentration risks, documentation and other credit related issues.

The “Assets and Liabilities Committee” (ALCO) comprising the CEO,

CCO, CFO, AGMs and the Manager of Inspection Department as

permanent members, has been meeting regularly to monitor

liquidity and fund management, capital policy and internal controls

compliance.

A Compliance Officer will carry out independent assessment of

regulatory compliance and anti money laundering compliance

requirements.

An “Innovation Committee”, comprising Managers selected by the

Management Team, addresses issues related to work improvement,

cost control and customer service. Based on their recommendations

the bank has put in place a cheque deposit machine into operation

and furthermore, the Bazar branch provides evening banking in

order to further enhance the customer service.

Bank of Maldives finances income generating micro projects

Bank introduced cheque deposit box facility

for the convenience of the customers.

A “Training Committee”, comprising Managers selected by the

Senior Management Team, was formed to identify training needs

of staff, arrange in-house training programs, obtain feedback and

re-develop on going training programs including induction for new

recruits and assist the participants of the Chartered Institute of

Bankers in Scotland (CIOBS) programs in their studies.

Key activities till date include facilitation of the Chartered Institutes

of Bankers, Scotland Program, drafting of a Study Leave Policy

and addressing several key areas in need of training such as training

27



in Performance Appraisals and Legal aspects of endorsement of

cheques.

SUSTAINABILITY

The Bank’s overall mission is to deliver optimum value to our

customers, employees, shareholders and the nation and our

business strategy is geared towards achieving this. This section

covers the value we deliver to our shareholders and the nation at

large. The Bank's policy has been to deliver optimum value in a

manner that is consistent with the highest levels of fairness and

transparency. For the Bank, it has not been a case of building

financial value and enhancing the bottom line at any cost, but

rather participating in a process of creating value through fair and

ethical means. Building sustainable value for all stakeholders is an

important corporate goal.

Economic Value Added

Economic Value Added (EVA) is a measure of profitability which

takes into consideration the cost of total invested equity.


Invested Equity

Shareholders' Funds

Add: Cumulative Loan Loss Provision

Earnings

Profit after taxation

Add: Loan Losses and Provision

Less: Loan Losses Written Off

Cost of Equity based on the 12 month

Average Certificate of Deposit rate plus 2%

for the Risk Premium

Cost of Average Equity


2001

Rf 000’s

234,548

35,787

270,335

56,112

4,340

-

60,452

10.000%

24,681

35,771

2002

Rf 000's

247,385

40,127

287,512

23,183

16,276

-

39,459

9.833%

27,427

12,032

2003

Rf 000's

272,599

56,403

329,002

25,214

32,881

-

58,095

9.167%

28,258

29,837

2004

Rf 000's

338,327

87,704

426,031

76,683

31,301

-

107,984

6.333%

23,908

84,076

2005

Rf 000's

421,204

137,011

558,215

94,440

49,307

(86)

143,661

6.000%

29,527

114,134

Bank of Maldives is conscious of delivering value to all our

stakeholders consistently. In EVA terms, bank has created

114 million during the year 2005 and over 276 million over the past

5 years.

28



Dividend

The dividend policy of the Bank has always been to pay a decent

dividend to its shareholders while ploughing back sufficient profits

to fund growth and capital adequacy requirements. As a result of

this prudent dividend policy, the Bank has been able to build up its

shareholder fund base to satisfactory levels.

Considering the performance of the Bank over the past year, the

Board has recommended a dividend of Rf 100/- per fully paid up

share of Rf 300/- for the year 2005, which is an increase of Rf 5/-

from Rf 95/- per share paid for 2004. This would amount to Rf

12,172,000/- for the proposed dividend, and the remaining

Rf 82,268,409/- is to be transferred to General Reserves of the Bank.

This is in line with the policy to preserve and build the equity of the

Bank through retained earnings.

Maintaining Capital Adequacy

Capital Adequacy symbolises the financial strength and stability of a

bank. It limits the extent up to which banks can expand their

business in terms of risk-weighted assets.

Like all commercial institutions, banks too constantly look at ways of

expanding their operations by acquiring property, plant &

equipment, opening branches, in addition to mobilising

deposits,providing loans and investing in other assets. Regulatory

capital requirements are therefore necessary to prevent banks from

expanding beyond their ability to manage (over trading), to improve

the quality of banks' assets, to control the ability of the banks to

leverage their growth and to lead to higher earnings on assets, leading

to peace of mind of all the stakeholders. The Bank keeps a careful

check on its Capital Adequacy Ratios. The Capital Adequacy

Computation of the Bank as at 31st December 2005 is given on

pages 44 and 45.

While the Bank is fully complied with Basel 1 requirement, the

objective of which is mainly directed towards assessing capital in

relation to credit risk (the risk of counterparty failure) and other

risks, notably operational and market risks as guided by the Basel II

Capital Framework, will be taken into consideration by the

Management gradually in assessing overall capital adequacy in

parallel with any particular regulations introduced by Maldivian

Monetary Authority (MMA) from time to time.

HUMAN RESOURCE MANAGEMENT AND DEVELOPMENT

Bank of Maldives believes that its potential for continued growth is

dependant on its ability to attract, motivate and retain a high calibre

of talent who are committed towards achieving our corporate

objectives.

With the recent developments and enhancements in bank’s

operations, the total staff strength has increased from 336 in 2004

to 418 (218 female 200 male) by the end of 2005. Training

expenses increased from Rf 1.3 million in 2004 to Rf 2.2 million in

2005, an increase of 61%.

Renewed emphasis on human resource development and

improvement of human resources has resulted in the

commencement of a total revamping of the whole HR structure.

It has been a year since the Bank became a listed company in the

official list of the Capital Market Development Section of the Maldives

Monetary Authority. However, the Bank’s shares have been traded

in the stock exchange since it was created by the Maldives Monetary

Authority.

During 2005, the shares of the Bank traded in the market in be-

tween Rf 975.00 and Rf 1,800.00 and the average market price was

Rf 1,417.00 and volume of turnover was 612. The last trade of Bank’s

shares in December 2005 was at a price of Rf 1,550.00.

29



Many of the processes has been streamlined and procedures been

modified to enhance efficiency and achieve a synergistic blend at

the operation level.

In the acquisition of the right talent for the Bank and to maintain

its high standards, the selection process has been strengthened.

Some of the trainings provided overseas in the year 2005 are:-

NO COURSE TITLE COUNTRY TRAINING PROVIDER

1 AMEX GNS Risk Management Training Kuala Lumpur , Malaysia American Express Global Network

Services

2 Visa South Asia Conference Goa/ India Visa

3 Conference on Global Banking Paradigm Shift Bombay, India Federation of Indian Chambers of

Commerce and Industry (FICCI)

4 International Payments & Trade finance

Seminar Thailand, Bangkok Deutsche Bank

5 Microfinance in South Asia Today and

Tomorrow - Conference Delhi World Bank and CGAP

Some of the trainings provided in-house and locally during 2005 are:-

NO COURSE TITLE TRAINING PROVIDER

1 Corporate Governance Seminar Focus Education Centre

2 Credit Appraisal & Monitoring (EIB Training Program) CGF Consulting Group

The training and development arena of staff has been broadened

to create a multi-skilled talent pool and a wide array of training

programs are being designed and implemented in–house whilst a

number of both external and overseas programs are also provided.

During the year, 36 staff attended overseas training and 308 staff

attended local and in-house training.

30



Towards addressing the shortage of professionally qualified

personnel, the Bank plans to offer 02 scholarships each year to

deserving and eligible candidates. Concurrently, the Chartered

Institute of Banker’s of Scotland (CIOBS), professional examination

is to be opened up to the whole Bank.

Present status of sponsorship, scholarships, CIOBS participants

and staff who have been availed leave for studies are as follows:

Present Offered /

no of staff Proposed

Sponsorships / Scholarships 10 02 per year

CIOBS 12 20 per batch

Study Leave (With pay) 04 05 per year

(estimate)

Study Leave (Without pay) 02 10 per year

(estimate)

The bonding and creation of cohesive teams was carried out through

various gatherings of all staff. As per tradition, following the Atoll

Branch Manager’s meeting, the usual Feydhoo-Finolhu trip was

held. Furthermore, a dinner event by the name of ‘Unity Dinner’

was introduced and held at the end of the year to celebrate the

combined efforts and achievements of the Bank staff as well as to

emphasize the synergy created through the team efforts.

The end of 2005 saw the ground work for several of the new HR

framework being laid and which is now in the process of

implementation. Significant targets for the coming year include

the automation of all HR processes through the adoption of HR

software, the compilation of an HR policy and procedure manual

focusing on succession planning to create the next generation of

management leadership.

SOCIAL & COMMUNITY SERVICES

Ethical and sustainable banking is in the core of our business. The

challenge for the bank is not just to generate a sound financial

performance, but to perform outside the balance sheet. To generate

sustainable and constant dividends for different segments of the

society, but mostly for those who are most disadvantaged and those

who require empowerment most urgently.

One of the projects that have been ongoing since 2001 is the

Thalassaemic Support Fund (TSF) which amounts to Rf.0.4 million

by year end. The Bank pays interest at 5.5% to the TSF account.

Donations to TSF can be made at any branch or bank dhoni of the

Bank and there are no bank charges levied on the transactions of

the fund. The Bank anticipates that the Thalassaemic Support Fund

will eventually grow to a size where it can pay for the life-saving

bone marrow transplants from the interest that will be earned on

the capital sum. The Bank is proud to have undertaken this

important community initiative, and it hopes that with the support

of the community at large, TSF will become an ongoing and highly

significant service that will provide hope to at least some of the

affected children.

During the year Bank did participate in helping the islands and

people affected from the tsunami disaster of 26th December 2004.

o Disaster Relief Fund; Bank was open 24hrs for a campaign

to raise funds for Tsunami affected people.

o ILRDP fund: - The Bank manages Island Livelihood

Revitalization and Development Programme (ILRDP)

fund. This is a revolving fund which provides loans to

economic activities of the tsunami affected islands.

o Loan scheme of:

o Fisheries development program

o Agricultural development program

o Loan to Traders with MNCCI & MATI. The

funding for this is equal contributions from

MNCCI, MATI & Bank of Maldives Plc.

LOOKING AHEAD

General Economy

World economy is gaining momentum; in North America and most

of Asia it is strong, while in Japan and continental Europe it looks

well established. It is anticipated that this will translate into higher

exports and tourist arrivals from these areas. However, this

momentum is expected to further fuel the price increases in oil

and commodities markets. During 2006 inflation and short-term

interest rates are expected to continue the trend of incremental

increase with the Fed quarterly revision of US$ interest rates.

31



As a result of the Fed policy, USD LIBOR rates have increased by

230% over the last 2 years and this trend may continue in 2006.

Locally, post tsunami economic recovery has been sluggish during

2005 but is expected to gain strong momentum and rebound during

2006. Momentum will be fuelled by the increase in government

expenditure for 2006 together with growth in tourist arrivals which

is expected to be in the pre-tsunami levels. Additionally authorities

have embarked on several structural reform initiatives- fiscal,

state-owned enterprises and financial sector reforms- to create a

business environment conducive to private investment and to

support diversified growth. Hence, the future appears to be very

competitive and profitable for private business. The bank will

position itself to accommodate the potential growth in corporate

business activities.

Tourism Sector

Tourism sector is the major contributor to our GDP even with the

shock caused by the tsunami in 2004. Tourist arrivals also started

to recover strongly towards the end of 2005 and are expected to

reach pre-tsunami levels in 2006. The Pacific Asia Travel Association

(PATA) forecasts growth of the Asia Pacific tourism over the next

three years, and predicts that arrivals to Maldives will likely increase

by 6.8% in 2006 and 2007.

As the leading industry, tourism sector accounts for over 48% of

overall bank credit in 2005 which represents a 4% decrease due to

banks efforts to diversify its business. However, overall bank credit

percentage for the industry is likely to increase in 2006 to 2010.

This is because the bank may provide finance to the 35 new islands

which are to be developed over the next two to five years.

Additionally, Government of Maldives plans to open budget hotels

near the regional airports in the future. This will also increase

employment opportunities in these regions of the country and

enhancing economic standards in these regions. This will translate

to additional banking activities in these regions due to employment

and development of supplementary and support industries/business

in these regions.

Undoubtedly, capacity utilization of these new developments will

not be a problem as there is a shortage in bed capacity based on

the Tourism Master Plan. Additionally, due of the various activities

that continue to promote Maldives as a travel destination like the

recent world record scuba dive, 25th February 2006.

Transport Sector

Due to the geographical nature of the Maldives, one of the key

issues faced by all the businesses, particularly the tourism industry

is the limited availability of convenient and affordable transport.

With the development of Gan Airport in Addu Atoll to an international

airport, this will greatly cut back the transit time taken by the

tourists who will be going to the new resorts in Addu Atoll as tour

operators can arrange international charter flights to land in the

regional airport. Additionally, Trans Maldives Airways and Air Taxi

operate a total of 29 sea plans to transfer tourists to and from the

resort destinations.

The Fisheries Sector

The fisheries sector has recovered steadily from the tsunami

disaster in the second half of 2005 mainly due to continuing

overseas demand for Maldivian fish products and the opening of

new fish processing capacity. By the end of 2005, the industry had

recovered fully with production reaching 192,000 tons, an increase

of 21% on 2004. This is mainly due to high volumes of fish catch in

the southern atolls. Output is forecast to increase by a further 8%

in 2006 and the prospects are reasonable for similar growth up to

2010 as per the 7th NDP.

The industry has carved a unique niche in the world of fish products

by relying on pole and line and long-line technology and is known

for stocking shelves in the United Kingdom with cans of skipjack

tuna labelled “eco-friendly” and “dolphin friendly.” Fishing is the

second leading sector and major export earner and accounted for

eight percent of GDP and 98 percent of domestic exports. Frozen

products rule in volume (66 percent) and value (35 percent) with

dried and salted products and fresh-on-ice products followed by

canned products.

The 7th National Development phase (7th NDP) covering the period

2006 - 2010 there will be incorporated a master plan for the fisheries

sector which will cover specific policies and procedures for the future

developments of the industry.

32



Many island communities depend on fishing industry. The Bank

has continued to be actively involved in this sector and plays an

important role in supporting the fishermen in the atolls through its

Development Banking activities via the Bank’s branches and mobile

banking units. The Bank will also be actively seeking opportunities

to support the growth of the fisheries sector via financing of fishing

vessel (dhoni), providing working capital needs and financing of

processing plants.

The Construction Sector

It is projected that many large construction projects will be

undertaken during the year. One of which is the development of

232 apartments in Hulhumale’, which was proposed at the start of

the year. Additionally Hulhumale’ Development Corporation is

reported to offer small plots of land towards the end of the year for

residential developments. These projects will give the Bank

opportunities to finance the contractors as it is expected that

Housing Development Finance Corporation (HDFC) will meet the

residential housing credit requirement.

Another construction project which will be carried out during the

year is the reconstruction of houses in the island communities

affected by the tsunami.

Bank will continue to finance the local contractors to government

and private sector projects. Also, the Bank continues to grant credit

to both residential and commercial properties in Male’ and the atolls.

A Phenomenal year

We had another phenomenal year. In previous years, we had strived

to become a key market player providing a full range of banking

products and services developed over an extensive branch network

in the Financial Sector in Maldives.

We want to acknowledge here the commitment, the dynamism

and innovative capacities of all our staff, in every nook and cranny

of the Bank of Maldives network. The staff has made every effort

to make this phenomenal performance possible and we would like

to take this opportunity to appreciate their efforts. Our deep

appreciations go out to all directors on the Board, Ministry of Finance

and Treasury (MOFT) and Maldives Monetory Authority (MMA) for

their guidance provided to us.

Most importantly, our heartfelt gratitude goes to all our loyal

customers, who bond with the bank in nation building through

productive contribution to the economy. It would be a continuous

challenge for the bank to be the People’s Bank to all the Maldivians.

Responsibility Statement

The Board of Directors hereby states:

i. that in the preparation of annual accounts, the applicable

accounting standards have been followed along with

proper explanation relating to material departures;

ii. that it has selected such accounting policies and applied

them consistently and made judgments and estimates

that are reasonable and prudent so as to give a true and

fair view of the state of affairs of the Bank as at 31st

December 2005, and of the profit or loss of the Bank for

the year ended on that date;

iii. that it has taken proper and sufficient care for the

maintenance of adequate accounting records in

accordance with the provisions of the Companies Act of

the Republic of Maldives, Law No: 10/96, Regulations

for Banks and Financial Institutions (1988) issued by

the Maldives Monetary Authority for safeguarding the

assets of the Bank and preventing and detecting frauds

and other irregularities and the Listing Rules of the

Capital Market Development Section of Maldives

Monetary Authority; and

iv. that it has prepared the accounts on a going concern basis.

The Board of Directors affirms that there are no other interests of

the Directors of the Bank except those disclosed in this report and

the accompanying financial statements.

The Board of Directors further affirms that no events have occurred

since the balance sheet date, which would require adjustments to,

or disclosure in, the financial statements.

Government Nominated Directors and Election of Directors

by General Public Shareholders

The year 2005 began with the following members in the 11 member

Board of Directors of the Bank.

33



1. Mr Ibrahim Zuhair, Chairman of the Board

(Government appointed)

2. Dr Ahmed Shaheed


3. Mr Abdul Razzak Idris


4. Mr Mohamed Hussain Maniku


5. Mr Mohamed Ahmed Didi


6. Ms Nadiya Hassan


7. Ms Aminath Ali Maniku


8. Ms Fathimath Sheereen Abdulla

(Elected by public shareholders)

9. Mr Ahmed Hamza


10. Mr Mohamed Abdul Sattar


11. Ms Serene Ho Oi Khuen (GM/CEO)

(ex-officio Director)

In accordance with Article 41-01 of the Articles of Association of

the Bank, the Government nominated the following 7 Directors for

2005/2006 at the dawn of the 22nd Annual General Meeting held

on 29th June 2005.

1. Mr Abdulla Saeed, (Chairman of the Board), M.Nirolhu

2. Dr Ahmed Shaheed

3. Mr Abdul Razzak Idris

4. Mr Mohamed Hussain Maniku

5. Mr Mohamed Ahmed Didi

6. Ms Aminath Ali Maniku

7. Ms Fathimath Nuzuha

As per the practice, the following 3 Directors elected by general

public shareholders in the 21st Annual General Meeting in 2004

retired during the 22nd Annual General Meeting held on 29th June

2005. A retiring director, however, is eligible for re-election.

Ms Fathimath Sheereen Abdulla

Mr Ahmed Hamza

Mr Mohamed Abdul Sattar

In accordance with Article 41-02 of the Articles of Association of

the Bank and as per the procedures followed by the Bank, the

general public shareholders elected the following 3 Directors to

the Board.

Ms Fathimath Sheereen Abdulla

Mr Ahmed Hamza

Mr Azam Farish

The Executive Committee(EC) of the Board of Directors comprised

the following members at the beginning of 2005.

Mr Mohamed Ahmed Didi

- Government Director (Chairman of EC)

Ms Aminath Ali Maniku

- Government Director

Ms Nadiya Hassan



- Elected Director

Ms Serene Ho Oi Khuen (GM/CEO)

- Ex-Officio Director

Following the 22nd Annual General Meeting, a new EC was

constituted on 17th July 2005 with the following members.

Mr Mohamed Hussain Maniku


Mr Abdul Razzak Idris


Ms Aminath Ali Maniku


Mr Ahmed Hamza

- Elected Director



34 BANK OF MALDIVES PLC - ANNUAL REPORT 2005


On 01st September 2005, the Government appointed Mr Abdul

Hameed Mohamed as the Chairman of the Board when the

appointed former Chairman Mr Abdulla Saeed, M.Nirolhu resigned.

On 30th October 2005, the Government changed some of its

appointed members and the following 7 members remained as

nominated directors when the year 2005 closed.

Mr Abdul Hameed Mohamed (Chairman)


Mr Mohamed Ahmed Didi

Ms Fathimath Nuzuha

Mr Imad Solih

Mr Ahmed Imad Mohamed


With these changes in the Board, a new EC was constituted on 19th

December 2005 with the following members.





Ms Fathimath Nuzuha


Mr Ahmed Hamza

- Elected Director



The Bank welcomes the new Directors to the Board.

The Bank also places on record the valuable contributions to the

deliberations of the Board by former Chairman of the Board Mr

Ibrahim Zuhair and former members of the Board for their

contributions.

The Board of Directors held 28 meetings during the year 2005.

The Executive Committee held no meeting during the year 2005.

The Board members were not paid a salary; until 01st November

2005, the Bank paid Board members an honorarium for the

attended meetings. The honorariums fixed by the Board of Directors

on 20th July 1994 were Rf 500/- per sitting of the Board and Rf

400/- per sitting of the Executive Committee.

The Board of Directors in its 258th meeting held on 19th December

2005 resolved to pay a monthly Board allowance of Rf 5,000/- per

member effective from 01st November 2005. The Directors are now

paid this monthly allowance.

Appointment of Auditors

In accordance with Article 78 of the Articles of Association of the

Bank, a resolution passed in the 22nd Annual General Meeting held

on 29th June 2005, M/s PricewaterhouseCoopers (Chartered

Accountants), P.O. Box 20124, 02-03, 2nd Floor, Aage, 12,

Boduthakurufaanu Magu, Male’, Republic of Maldives were

re-appointed as Auditors of the Bank.

Conclusion

The Board of Directors takes this opportunity to acknowledge the

invaluable support and cooperation extended to the Bank by the

Ministry of Finance and Treasury and the Maldives Monetary

Authority.

The Board of Directors appreciates and thanks the shareholders

and customers of the Bank for their close relations and confidence

in the Bank.

The Board of Directors also wishes to express appreciation to the

Management and employees of the Bank for their dedicated and

efficient services and continued efforts in achieving the goals of

the organisation.

Board of Directors


07th May 2006

35BANK OF MALDIVES PLC - ANNUAL REPORT 2005

REPORT OFTHE AUDITORS

REPORT OF THE AUDITORS

To the members of Bank of Maldives Plc

1 We have audited the accompanying balance sheet of Bank of Maldives Plc as of 31st December 2005 and the related statements of

income, changes in equity and cash flows for the year then ended, together with the accounting policies and notes as set out on

pages 36 to 59.

Respective Responsibilities of Directors and Auditors

2 The financial statements, set out on pages 36 to 59 are the responsibility of the Company’s Directors. Our responsibility is to

express an opinion on these financial statements based on our audit.

Basis of Opinion

3 We conducted our audit in accordance with International Standards on Auditing. Those Standards require that we plan and

perform the audit to obtain reasonable assurance about whether the financial statements are free of material misstatement. An

audit includes examining, on a test basis, evidence supporting the amounts and disclosures in the financial statements. An audit

also includes assessing the accounting principles used and significant estimates made by management, as well as evaluating the

overall financial statement presentation. We believe that our audit provides a reasonable basis for our opinion.

Opinion

4 In our opinion, the financial statements give a true and fair view of the financial position of Bank of Maldives Plc as of 31st

December 2005 and of the results of its operations, changes in equity and its cash flows for the year then ended in accordance

with International Accounting Standards.

PricewaterhouseCoopers

Chartered Accountants

Male’

11th April 2006


INCOMESTATEMENT


Gross income

Interest income

Interest expense

Net interest income

Fee and commission income

Dividend income

Net trading income

Other operating income

Operating income

Less : Operating expenses

Staff costs

Premises, equipment and establishment

expenses

Provision for bad and doubtful debts

Other operating expenses

Profit before tax

Income tax expense

Net profit for the year

Earnings per share - basic

Notes

4

5

5

5

6

7

8

9

10

11

12

13

15

2005

359,024,372

238,574,737

(63,515,271)

175,059,466

95,367,628

250,000

13,639,896

11,192,111

295,509,101

(40,453,697)

(23,883,349)

(54,659,319)

(50,592,190)

125,920,546

(31,480,137)

94,440,409

775.88

2004

286,588,701

198,543,251

(55,355,937)

143,187,314

59,985,663

-

12,117,771

15,942,016

231,232,764

(34,863,272)

(21,625,974)

(42,067,794)

(29,909,167)

102,766,557

(26,083,614)

76,682,943

629.99

Year ended 31 December

The notes on pages 40 to 59 are an integral part of these financial statements.


BALANCESHEET


ASSETS

Cash and short term funds

Balances with Maldives Monetary Authority

Bills of exchange

Loans and advances

Investment

Property, plant and equipment

Other assets

Total assets

LIABILITIES

Deposits from non-bank customers

Borrowings

Bills, acceptances and other documentary credits

Other liabilities

Current tax

Deferred tax liabilities

Dividends payable

Total liabilities

SHAREHOLDERS' EQUITY

Share capital

Share premium

Reserves

Total shareholders' equity

Total equity and liabilities

Commitments and contingencies

Notes

16

17

19

20

23

24

25

26

27

29

28

30

30

31

32

2005

220,596,516

891,215,073

61,601,044

2,827,517,439

16,425,000

75,184,469

29,545,240

4,122,084,781

3,539,667,602

71,098,000

2,180,851

52,107,681

30,514,598

4,670,574

641,225

3,700,880,531

36,516,000

11,270,040

373,418,210

421,204,250

4,122,084,781

682,703,654

2004

472,835,206

840,151,950

32,763,935

1,821,166,165

11,425,000

75,983,424

26,763,474

3,281,089,154

2,776,190,087

89,087,943

2,377,552

45,820,283

25,014,493

3,705,035

566,520

2,942,761,913

36,516,000

11,270,040

290,541,201

338,327,241

3,281,089,154

411,903,991

31 December

These financial statements were approved by the Board on 11 April 2006 and signed on their behalf by:

Abdul Hameed Mohamed Fathimath Sheereen Abdulla Serene Ho Oi Khuen

Chairman & Managing Director Director General Manager &

Chief Executive Office


38

STATEMENT OFCHANGES IN EQUITY




Balance at 1 January 2004

Net profit

Dividends for 2003

Balance at 31 December 2004

Balance at 1 January 2005

Net profit

Dividends for 2004

Balance at 31 December 2005

Notes

14

14

Share premium

11,270,040

-

-

11,270,040

11,270,040

-

-

11,270,040

Share capital

36,516,000

-

-

36,516,000

36,516,000

-

-

36,516,000

Total

272,599,098

76,682,943

(10,954,800)

338,327,241

338,327,241

94,440,409

(11,563,400)

421,204,250

Reserves

224,813,058

76,682,943

(10,954,800)

290,541,201

290,541,201

94,440,409

(11,563,400)

373,418,210

39

CASH FLOWSTATEMENT




Cash flows from operating activities

Interest receipts

Fees and commission receipts

Dividend income

Net trading income


Interest payments

Cash paid to employees and other expenses

Cash flows from operating profits before changes in

operating assets and liabilities

Changes in operating assets and liabilities:

Increase in reserve deposit with MMA

Decrease in Assigned capital deposit with MMA

Increase in loans and advances to customers

(Increase) / decrease in other assets

Increase in amounts due to customers

Increase in other liabilities

Net cash from operating activities before income tax

Income tax paid

Net cash used in operating activities

Cash flows from investing activities

Purchase of property, plant and equipment

Proceeds from sale of property, plant and equipment

Investment in bonds

Net cash used in investing activities

Cash flows from financing activities

Proceeds from borrowed funds

Repayments of borrowed funds

Dividends paid

Net cash (used in)/from financing activities

Net decrease in cash and cash equivalents

Cash and cash equivalents at beginning of year

Cash and cash equivalents at end of year

Notes

34

24

18

2005

238,574,737

95,367,628

250,000

13,639,896

11,192,111

(63,515,271)

(99,490,075)

196,019,026

(100,980,624)

-

(1,089,847,702)

(6,914,703)

763,477,515

9,174,117

(229,072,371)

(25,014,493)

(254,086,864)

(13,728,556)

137,867

(5,000,000)

(18,590,689)

-

(17,989,943)

(11,488,695)

(29,478,638)

(302,156,191)

522,752,707

220,596,516

2004

198,543,251

59,985,663

-

12,117,771

15,942,016

(55,355,937)

(101,726,759)

129,506,005

(171,736,105)

3,258,000

(821,087,347)

494,912

842,920,666

16,713,481

69,612

(9,862,406)

(9,792,794)

(17,109,777)

112,125

(5,000,000)

(21,997,652)

34,459,865

(13,547,533)

(11,500,420)

9,411,912

(22,378,534)

545,131,241

522,752,707

Year ended 31 December

40

NOTES TO THEFINANCIAL STATEMENTS


1 General information

Bank of Maldives Plc is engaged in the business of commercial banking and other financial services including trade financing, custodial

services and development financing.

It is a limited liability Company and is incorporated and domiciled in the Republic of Maldives. The registered office is situated at

11, Boduthakurufaanu Magu, Male', 20094,Republic of Maldives.

The Bank is listed in Maldives stock exchange.

2 Summary of significant accounting policies

The principal accounting policies adopted in the preparation of these financial statements are set out below. These policies have been

consistently applied to all the years presented, unless otherwise stated.

a Basis of presentation

The financial statements are prepared in accordance with International Financial Reporting Standards (IFRS). The financial

statements are prepared under the historical cost convention whereby the transactions are recorded at the values prevailing on

the dates when the assets were acquired, the liabilities were incurred or the capital obtained.

b Foreign currencies translation

Foreign currency transactions of the Bank are accounted for at the exchange rates prevailing at the date of the transactions. Gains

and losses resulting from the settlement of such transactions and from the translation of monetary assets and liabilities

denominated in foreign currencies, are recognised in the income statement. Such balances are translated at year-end mid ex-

change rates unless hedged by forward foreign exchange contracts, in which case the rates specified in such forward contracts are

used.

c Offsetting financial instruments

Financial assets and liabilities are offset and the net amount reported in the balance sheet when there is a legally enforceable right

to set off the recognised amounts and there is an intention to settle on a net basis or realise the asset and settle the liability

simultaneously.

d Financial assets

The Bank classifies its financial assets in the following categories: loans and receivables;held-to-maturity investments; and

available-for-sale financial assets. Management determines the classification of its investments at initial recognition.

(a) Loans and receivables

Loans and receivables are non-derivative financial assets with fixed or determinable payments that are not quoted in an active

market. They arise when the Bank provides money, goods or services directly to a debtor with no intention of trading the

receivable.

(b) Held-to-maturity

Held-to-maturity investments are non-derivative financial assets with fixed or determinable payments and fixed maturities that

the Bank’s management has the positive intention and ability to hold to maturity. Were the Bank to sell other than an insignificant

amount of held-to-maturity assets, the entire category would be tainted and reclassified as available for sale.

41



(c) Available-for-sale

Available-for-sale investments are those intended to be held for an indefinite period of time, which may be sold in response to

needs for liquidity or changes in interest rates, exchange rates or equity prices.

Purchases and sales of financial assets held to maturity and available for sale are recognised on trade-date – the date on which the

Bank commits to purchase or sell the asset. Loans are recognised when cash is advanced to the borrowers. Financial assets are

initially recognised at cost plus transaction costs for all financial assets not carried at fair value through profit or loss. Financial

assets are derecognised when the rights to receive cash flows from the financial assets have expired or where the Bank has

transferred substantially all risks and rewards of ownership.

Available-for-sale financial assets are subsequently carried at fair value. Gains and losses arising from changes in the fair value of

available-for-sale financial assets are recognised directly in equity, until the financial asset is derecognised or impaired at which

time the cumulative gain or loss previously recognised in equity should be recognised in profit or loss. Dividends on

available-for-sale equity instruments are recognised in the income statement when the entity’s right to receive payment is

established.

The fair value of investments are based on quoted bid prices or amounts derived from cash flow models. Fair values for unlisted

equity securities are estimated using applicable price / earnings or price / cash flow ratios refined to reflect the specific

circumstances of the issuer. Equity securities for which fair values can not be measured reliably are recognised at cost less

impairment. When securities classified as available-for-sale are sold or impaired, the accumulated fair value adjustments are

included in the income statement as gains and losses from investment securities.

e Computer software development costs

Generally, costs associated with developing computer software programmes are recognised as an expense as incurred. However,

expenditure that enhances and extends the benefits of computer software programmes beyond their original specifications and

lives is recognised as a capital improvement and added to the original cost of the software. Computer software development costs

recognised as assets are amortised using the straight-line method over their useful lives.

f Loans and the provisions for loan impairment

All loans and advances are recognised when the cash is advanced to borrowers.

A specific credit risk provision for loan impairment is established to provide for management’s estimate of credit losses as soon as

the recovery of an exposure is identified as doubtful.

Provision for loan impairment are made on the basis of continuous review of all advances to customers, in accordance with the

requirements specified by the Maldives Monetary Authority based on aged classification of advances as follows:

Period outstanding Classification Provision made

3 - 6 months Especially mentioned 5 %

More than 6 months and upto 12 months Substandard 10 % - 20 %

More than 12 months and upto 24 months Doubtful 35 % - 50%

More than 24 months Loss 100%

42



A general provision for loan impairment is established to conservatively cover losses in the lending portfolio at the balance sheet

date, but which have not been specifically identified as such.

When a loan is deemed uncollectible, it is written off against the related provision for impairments. Subsequent recoveries are

credited to the income statement if previously written off.

g Property, plant and equipment

All property, plant and equipment, which are initially recorded at historical cost, is stated at cost less depreciation.

Depreciation is calculated on the straight-line method to write-off the cost of each asset, to their residual values over their

estimated useful life as follows:

Bank premises - 20 years

Computer hardware and software - 3 - 5 years

Furniture and equipment - 3 - 5 years

Motor vehicles / vessels - 5 years

Leasehold buildings are amortised over the unexpired period of the lease.

The charge for the depreciation commences from the date on which the asset is put to use.

Where the carrying amount of an asset is greater than its estimated recoverable amount, it is written down immediately to its

recoverable amount.

Assets that are subject to amortisation are reviewed for impairment whenever events or changes in circumstances indicate that

the carrying amount may not be recoverable. An asset’s carrying amount is written down immediately to its recoverable amount if

the asset’s carrying amount is greater than its estimated recoverable amount. The recoverable amount is the higher of the asset’s

fair value less costs to sell and value in use.

Gains and losses on disposal of property, plant and equipment are determined by reference to their carrying amount and are taken

into account in determining operating profit.

Repairs and renewals are charged to the income statement when the expenditure is incurred.

h Operating leases

Leases of assets under which all the risks and benefits of ownership are effectively retained by the lessor are classified as operating

leases. Payments made under operating leases are charged to the income statement on a straight-line basis over the period of the

lease.

When an operating lease is terminated before the lease period has expired, any payment required to be made to the lessor by way

of penalty is recognised as an expense in the period in which termination takes place.

i Cash and cash equivalents

For the purposes of the cash flow statement, cash and cash equivalents comprise balances with less than 90 days maturity from

43



the date of acquisition including cash and amounts due from other banks.

j Provisions

Provisions are recognised when the Bank has a present legal or constructive obligation as a result of past events, it is probable that

an outflow of resources embodying economic benefits will be required to settle the obligation, and a reliable estimate of the amount

of the obligation can be made.

k Defined contribution plan

All employees of the Bank are members of the Bank of Maldives Plc Provident Fund, to which the Bank contributes 10% of

employees' monthly basic salary.

l Deferred income taxes

Deferred income tax is provided in full, using the liability method, on temporary differences arising between the tax bases of assets

and liabilities and their carrying amounts in the financial statements. Currently enacted tax rates are used in the determination of

deferred income tax.

The principal temperory differences arise from depreciation of property, plant and equipment and provision on impairment of loans.

m Acceptances

Acceptances comprise undertaking by the Bank to pay the bills of exchange drawn on customers. The Bank expects most

acceptances to be settled simultaneously with reimbursement from the customers. Acceptances are accounted for as off balance

sheet transactions and are disclosed as contingent liabilities and commitments.

n Fiduciary activities

The Bank commonly acts as trustees and in other fiduciary capacities that result in the holding or placing of assets on behalf of

individuals, trusts, retirement benefit plans and other institutions. These assets and income arising thereon are excluded from

these financial statements, as they are not assets of the Bank.

o Income and expenses

Interest income and expense are recognised in the income statement for all interest bearing instruments on an accrual basis using

the effective yield method based on the actual purchase price.

p Revenue recognition

(a) Interest income from customer advances:

Interest income from advances to customers is recognised on an accrual basis. However, interest income is suspended when loans

become doubtful of collection, such as when overdue by more than 90 days. Such income is excluded from interest income until

received.

(b) Commission and fee income:

Commission and fee income mainly comprise fees receivable from customers for guarantees and other services provided by the

Bank, and fees for foreign and domestic payment tariff. Such income is recognised as revenue as the services are provided.

Income on the endorsement of bills of exchange is recognised only when the bill is received and either issued or endorsed, and the

44



payment under the particular instrument has been effected.

(c) Recovery of non-performing loans and advances:

Amounts recovered from non-performing loans and advances are recognised as income on a cash basis, to the extent of provision

made.

q Comparatives

Where necessary, comparative figures have been adjusted to conform with changes in presentation in the current year.

3 Use of financial instruments

a A strategy in using financial instruments

By its nature, the Bank's activities are principally related to the use of financial instruments. The Bank accepts deposits from

customers at fixed rates and for various periods and seeks to earn above average interest margins by investing these funds in high

quality assets. The Bank seeks to increase these margins by consolidating short-term funds and lending for longer periods at

higher rates whilst maintaining sufficient liquidity to meet all claims that might fall due.

The Bank also seeks to raise its interest margins by obtaining above average margins, net of provisions, through lending to

commercial and retail borrowers with a range of credit standing. Such exposures involve not just on - balance sheet loans and

advances but the Bank also enters into guarantees and other commitments such as letters of credit and performance.

b Capital adequacy

To monitor the adequacy of its capital, the Bank uses ratios established by the Maldives Monetary Authority (MMA). These ratios

measure capital adequacy (minimum 8% as required by MMA) by comparing the Bank's eligible capital with its balance sheet

assets, off balance sheet commitments and market and other risk positions at weighted amounts to reflect their relative risk.

The Bank's capital adequacy level was as follows: (amounts in Maldivian Rufiyaa '000)

Balance sheet Risk weighted

notional amount amount

2005 2004 2005 2004

Balance sheet assets (net of provisions)

Due from other banks 140,622 400,813 28,124 80,163

Loans and advances to customers 2,889,118 1,853,930 2,889,118 1,853,930

Fixed assets 75,184 75,983 75,184 75,983

Other assets 29,545 26,763 29,545 26,763

Other investments 16,425 11,425 16,425 11,425

3,150,894 2,368,914 3,038,396 2,048,264

Balance sheet positions

Direct credit substitutes 138,791 67,651 138,791 67,651

Transaction related contingencies 398,787 211,757 199,394 105,879

Short term self - liquidating and

trade related contingencies 145,126 132,496 29,025 26,499

682,704 411,904 367,210 200,029

Total risk weighted assets 3,405,606 2,248,293

45



Capital ratios

Bank % MMA %(minimum)

2005 2004 2005 2004 2005 2004

Tier 1 capital 338,327 272,599 9.93 12.12 4% 4%

Tier 1 + Tier 2 capital 421,204 338,327 12.37 15.05 8% 8%

c Credit risk

The bank takes on exposure to credit risk which is the risk that a counterparty will be unable to pay amounts in full when due.

Exposure to credit risk is managed through regular analysis of the ability of borrowers and potential borrowers to meet interest and

capital repayment obligations and by changing these lending limits where appropriate. Exposure to credit risk is also managed in

part by obtaining collateral and corporate and personal guarantees.

d Interest rate risk

The Bank takes on exposure to the effects of fluctuations in the prevailing levels of market interest rates on its financial position

and cash flows. Interest margins may increase as a result of such changes but may reduce or create losses in the event that

unexpected movements arise.

The Management monitors the mismatch of interest rate and take corrective action on a regular basis.

e Liquidity risk

The Bank is exposed to daily calls on its available cash resources from overnight deposits, current accounts, maturing deposits,

loan draw downs, guarantees and from margin and other calls on cash settled derivatives. The Bank does not maintain cash

resources to meet all of these needs as experience shows that a minimum level of reinvestment of maturing funds can be predicted

with a high level of certainty.

The Management monitors on the minimum proportion of maturing funds available to meet such calls and on the minimum level of

interbank and other borrowing facilities that should be in place to cover withdrawals at unexpected levels of demand.

Maturity analysis

Assets

Money at call and short notice

Balances with MMA

Bills of exchange

Loans and advances

Other assets

Total assets

Liabilities

Deposits

Borrowings

Other liabilities

Total liabilities

Net liquidity gap

Upto

3 months

Rf

98,560,000

891,215,073

61,601,044

824,041,171

243,191,225

2,118,608,513

3,246,747,461

5,867,872

68,695,300

3,321,310,633

(1,202,702,120)

3 - 12

months

Rf

-

-

-

100,711,494

-

100,711,494

284,640,438

7,748,283

-

292,388,721

(191,677,227)

1 - 3

years

Rf

-

-

-

551,227,029

-

551,227,029

8,024,703

25,720,388

-

33,745,091

517,481,938

3 - 5

years

Rf

-

-

-

959,529,465

-

959,529,465

225,000

10,531,614

-

10,756,614

948,772,851

More than

5 years

Rf

-

-

-

392,008,280

-

392,008,280

30,000

21,229,843

21,419,629

42,679,472

349,328,808

Total

Rf

98,560,000

891,215,073

61,601,044

2,827,517,439

243,191,225

4,122,084,781

3,539,667,602

71,098,000

90,114,929

3,700,880,531

421,204,250

46



An analysis of the interest bearing assets and liabilities based on the remaining period at the balance sheet date to the respective

contractual maturity dates:

Demand and savings deposits have been categorised as upto 3 months maturity group. However a major part of these deposits

represent a core retail deposit base with longer term maturity. Bills of exchange and loans and advances are shown net of interest in

suspense and provision for bad and doubtful debts.

The matching and controlled mismatching of the maturities and interest rates of assets and liabilities is fundamental to the manage-

ment of the Bank. It is unusual for Banks ever to be completely matched since business transacted is often of uncertain term and of

different types. An unmatched position potentially enhances profitability, but also increases the risk of losses.

The maturities of assets and liabilities and the ability to replace, at an acceptable cost, interest bearing liabilities as they mature, are

important factors in assessing the liquidity of the Bank and its exposure to changes in interest rates and exchange rates.

Liquidity requirements to support calls under guarantees and standby letters of credit are considerably less than the amount of the

commitment because the Bank does not generally expect the third party to draw funds under the agreement. The total outstanding

contractual amount of commitments to extend credit does not necessarily represent future cash requirements, since many of these

commitments will expire or terminate without being funded.

47



4 Gross income

Interest income

Fee and commission income

Dividend income

Net trading income


5 Net interest income

Interest income

Customer advances

Investment securities

MMA certificate of deposits

Short term finance

Assigned capital and reserve deposits

Interest expense

Customers deposits

Borrowed funds

Others

Net interest income

6 Fee and commission income

Commissions on pay orders

Commissions on guarantees

Commissions on documentary credits

Commissions on discounting of bills

Commissions on card operations

Others

7 Dividend income

Available-for-sale securities

2005

238,574,737

95,367,628

250,000

13,639,896

11,192,111

359,024,372

2005

215,614,867

451,370

6,605,547

8,271,276

7,631,677

238,574,737

59,324,022

4,154,503

36,746

63,515,271

175,059,466

2005

20,071,297

7,344,114

4,269,696

5,372,970

47,807,877

10,501,674

95,367,628

2005

250,000

2004

198,543,251

59,985,663

-

12,117,771

15,942,016

286,588,701

2004

178,335,062

-

6,564,820

7,562,084

6,081,285

198,543,251

50,833,355

4,517,284

5,298

55,355,937

143,187,314

2004

17,373,346

8,514,733

3,333,808

5,186,936

16,179,237

9,397,603

59,985,663

2004

-

(all amounts are shown in Maldivian Rufiyaa unless otherwise stated)



8 Other operating income

Telex and fax charges recoveries

Recovery of non-performing advances

Recovery of bad debts previously written off

Profit on disposal of property, plant and equipment

Others

9 Staff costs

Salaries

Incentive bonus

Other allowances

10 Premises, equipment and establishment expenses

Depreciation (Note 24)

Operating lease rentals

- property

Rentals

Electricity

Insurance

Repairs and maintenance

Others

11 Provision for bad and doubtful debts

Specific provision for loans and advances

General provision for loans and advances

2005

4,165,563

5,352,638

4,547

68,931

1,600,432

11,192,111

2005

18,327,156

5,633,611

16,492,930

40,453,697

2005

14,458,575

2,155,245

116,290

3,544,382

581,447

2,912,011

115,399

23,883,349

2005

34,001,968

20,657,351

54,659,319

2004

3,660,302

10,767,000

89,750

86,701

1,338,263

15,942,016

2004

16,297,823

4,837,668

13,727,781

34,863,272

2004

13,052,104

1,997,301

231,909

2,850,542

404,494

2,969,178

120,446

21,625,974

2004

35,772,047

6,295,747

42,067,794

The number of persons employed by the Bank as at year end was 418 (2004: 328).





12 Other operating expenses

Directors fees

Legal charges

Auditors' remuneration

Donations

Communication expenses

Consultancy fees

Software license fees

Stationery expenses

Advertisement

Cash carrying expenses

Subscription

Credit card expenses

Membership fees

Bad-debts written off

Others

13 Income tax expense

Current tax

Deferred tax (Note 28)

Profit before tax

Tax calculated at a tax rate of 25%

Expenses not deductible for tax purposes

2005

200,000

339,336

163,840

-

7,500,692

1,189,692

5,381,812

5,129,385

1,501,037

95,619

124,273

18,756,239

5,169,120

86,196

4,954,949

50,592,190

2005

30,514,598

965,539

31,480,137

2005

125,920,546

2005

31,480,137

-

31,480,137

2004

124,500

558,861

143,360

215,940

7,160,167

1,312,591

4,989,170

3,397,555

1,371,896

74,542

97,673

5,917,307

-

-

4,545,605

29,909,167

2004

25,014,493

1,069,121

26,083,614

2004

102,766,557

2004

25,691,639

391,975

26,083,614

The tax on Bank's profit before tax differs from the theoretical amount that would arise using

the basic tax rate as follows:

Further information about deferred income tax is presented in Note 28.

14 Dividends

Dividends payable are not accounted for until they have been ratified at the Annual General Meeting. At the meeting of Board of

Directors held on 11 April 2006, a dividend in respect of 2005 of Rf 100 per share (2004 - Rf 95 per share) amounting to a total of

Rf 12,172,000 (2004-Rf 11,563,400) was proposed. These financial statements do not reflect this dividend payable, which will be

accounted for under shareholders' equity as an appropriation of retained earnings for the year ending 31 December 2006.

50




Cash and short term funds (Note 16)

Certificates of deposit (Note 17)

19 Bills of exchange

Export bills

Import bills

Less : Provision for impairment [Note 20 (a)]

Net bills of exchange

15 Earnings per share

Basic earnings per share is calculated by dividing the net profit attributable to shareholders by

the weighted average number of ordinary shares in issue during the year.

Net profit attributable to shareholders

Weighted average number of ordinary shares in issue

Basic earnings per share

16 Cash and short term funds

Cash in hand

Balances with other banks

Money at call and short notice

17 Balances with Maldives Monetary Authority (MMA)

Assigned capital deposit

Reserve deposit

Certificates of deposit

2005

94,440,409

121,720

775.88

2005

79,974,074

42,062,442

98,560,000

220,596,516

2005

15,000,000

876,215,073

-

891,215,073

2004

76,682,943

121,720

629.99

2004

72,021,641

36,561,340

364,252,225

472,835,206

2004

15,000,000

775,234,449

49,917,501

840,151,950

(a) Assigned capital deposit :

As per the regulations of Maldives Monetary Authority (MMA) the Bank is required to maintain a reserve of 50% of the minimum

required capital, as assigned capital deposit.

(b) Reserve deposit :

MMA regulations require the commercial banks to maintain a reserve of 30% of demand and time liabilities, excluding interbank

liabilities and margin deposits for Male' based branches, and it is 15% for other branches.

18 Cash and cash equivalents

For the purposes of cash flow statement, cash and cash equivalents comprise the following balances with less than 90 days

maturity:

2005

220,596,516

-

220,596,516

2005

30,527,168

39,619,933

(8,546,057)

61,601,044

2004

472,835,206

49,917,501

522,752,707

2004

2,872,395

31,099,225

(1,207,685)

32,763,935

51




20 Loans and advances

Overdrafts

Target group loans

Non target group loans

Trust receipts

Credit card balances

Staff loans

Less : Provision for impairment [Note 20 (a)]

Interest in suspense (Note 21)

Net loans and advances

(a) Movement in provision for impairment are as follows:

(i) Specific provision

Balance at 1 January

Amount recovered during the year

Provision made during the year

Balance at 31 December

(ii) General provision


Provision made during the year


Total

Represented by:

Loans and advances

Bills of exchange

21 Movement in interest in suspense


Amount suspended during the year

Amount reversed due to recovery and reschedulement


Loans and advances

Bills of exchange

2005

803,307,153

330,806,045

1,843,700,581

20,474,667

50,768,595

9,928,540

3,058,985,581

(128,464,593)

(103,003,549)

2,827,517,439

2005

77,266,222

(5,352,638)

34,001,968

105,915,552

10,437,747

20,657,351

31,095,098

137,010,650

128,464,593

8,546,057

137,010,650

2005

62,860,069

42,479,919

(2,336,439)

103,003,549

2005

258,172,134

29,412,459

287,584,593

2004

485,153,315

126,883,254

1,304,083,197

35,386,513

10,878,524

8,137,715

1,970,522,518

(86,496,284)

(62,860,069)

1,821,166,165

2004

52,261,175

(10,767,000)

35,772,047

77,266,222

4,142,000

6,295,747

10,437,747

87,703,969

86,496,284

1,207,685

87,703,969

2004

68,111,732

25,239,568

(30,491,231)

62,860,069

2004

234,695,046

15,010,334

249,705,380

22 Assets quality

Non performing assets included as advances and bills of exchange on which interest is not being accrued are as follows:

52




Available-for-sale investments consist of investment in equity shares of MFLC and held-to-maturity investments consists of

investment in bonds issued by Housing Development Finance Corporation Ltd, are stated at cost, since the fair value of these

unlisted shares and bonds cannot be measured reliably.

23 Investment

At the beginning of the year

Additions

At the end of the year

Available

-for-sale

6,425,000

-

6,425,000

Held -to-

maturity

5,000,000

5,000,000

10,000,000

Total

2005

11,425,000

5,000,000

16,425,000

Total

2004

6,425,000

5,000,000

11,425,000

Cost of property, plant

and equipment

Balance at beginning of the

year

Additions during the year

Disposals during the year

Balance at

end of the year

Accumulated

depreciation

Balance at

beginning of the year

Depreciation for

the year (Note 10)

Depreciation on disposals

Balance at

end of the year

Net book value at

end of the year

Bank

premises

64,189,677

-

-

64,189,677

19,251,120

3,209,496

-

22,460,616

41,729,061

Leasehold

buildings

2,530,147

702,069

-

3,232,216

1,381,941

407,196

-

1,789,137

1,443,079

Computer

equipment

60,180,760

10,736,298

(502,877)

70,414,181

33,837,585

9,174,982

(434,612)

42,577,955

27,836,226

Furniture &

equipment

8,550,456

1,749,758

(210,378)

10,089,836

6,011,962

1,318,726

(209,707)

7,120,981

2,968,855

Motor

vehicles

& vessels

6,286,212

540,431

(3,210)

6,823,433

5,271,220

348,175

(3,210)

5,616,185

1,207,248

Total

2005

141,737,252

13,728,556

(716,465)

154,749,343

65,753,828

14,458,575

(647,529)

79,564,874

75,184,469

Total

2004

125,798,576

17,109,777

(1,171,101)

141,737,252

53,847,401

13,052,104

(1,145,677)

65,753,828

75,983,424

24 Property, plant and equipment

(a) Some of the branch offices operate from premises leased from third parties, for which an aggregate sum of Rf 2,155,245

(2004 - Rf 1,997,301 ) were paid as operating lease rentals.

(b) The cost of fully depreciated assets at the balance sheet date amounted to Rf 21,246,604 ( 2004 - Rf 22,306,462 )

53




The Bank has entered into a Subsidiary Loan agreement with the Government of Maldives to execute the Atoll Credit and Development

Banking Project. Under this agreement the Development Banking Cell of the Bank has received funds, to be disbursed under a

refinance scheme sponsored by International Fund for Agricultural Development (IFAD). These funds are received from the Government

at 1% interest per annum during the six year project period and 3% per annum thereafter, over the remaining period. The interest

and principal shall be repayable in 40 semi annual installments in Rufiyaa beginning from May 2000 until November 2019.

Further, the Bank has entered into another Subsidiary Agreement with the Government to execute Southern Atolls Development

Project covering Southern Atolls of the Republic of Maldives in December 1996. Under the Subsidiary Agreement the Bank receives

funds to be disbursed under refinance schemes sponsored by International Fund for Agricultural Development (IFAD) and Organisation

of Petroleum Exporting Countries (OPEC). These funds obtained from the Government of Maldives carry 5% interest per annum for

the six years and the subsequent rate of interest will be determined based on the market deposit rates, the sustainability of

development banking operations and the need for the Bank to cover its transaction costs from the available spread. The principal

is repayable in 30 equal semi annual installments starting from March 2002 until September 2016.

DEG is a financial institution funded by the Federal Republic of Germany. The bank obtained a loan of Deutsche Mark eight million

(DM 8 million) during 1998. The interest rate of the loan is EURO LIBOR plus 3.35% p.a on the balance outstanding and the interest

is payable semi annually in arrears. The interest and principal shall be repaid in 12 semi annual installments in Euro beginning from

November 1999 until May 2005 and is secured by the guarantee of Government of Republic of Maldives. This loan was fully repaid

by 17 May 2005.

25 Other assets

Deposits and prepayments

Other debtors

2005

21,526,332

8,018,908

29,545,240

2004

25,659,269

1,104,205

26,763,474

26 Deposits from non-bank customers

Current account deposits

Saving deposits

Term deposits

Margins on letters of credit

Margins on bank guarantee

27 Borrowings

International Fund for Agricultural Development (IFAD)

Organization of Petroleum Exporting Countries (OPEC)

German Investment and Development Company (DEG)

2005

1,360,205,118

1,516,111,086

575,094,976

33,079,047

55,177,375

3,539,667,602

2005

38,325,834

7,477,775

25,294,391

71,098,000

2004

936,695,589

1,222,170,179

587,873,852

11,695,876

17,754,591

2,776,190,087

2004

41,269,793

8,097,798

39,720,352

89,087,943

Included in customer accounts are deposits of Rufiyaa 88,256,422 ( 2004 - Rf 29,450,467) held as collateral for irrevocable

commitments under import letters of credit and bank guarantees.

All deposits have fixed interest rates.

54




Further, the bank has obtained a loan from DEG for Euro two million (EUR 2 Million) during 2004. The interest rate of the loan is

EURO LIBOR plus 3.35% p.a. on the balance outstanding and the interest is payable semi-annually in arrears. The interest and

principal shall be repaid in 6 semi annual instalments in Euro beginning from November 2005 until May 2008 and is secured by the

guarantee of Government of Republic of Maldives.

During the year, the Bank managed and administered a loan scheme called Island Livelihood Revitalisation Development Programme

Fund (ILRDP) on behalf of Government of Maldives to provide financial assistance to revive economic activities in Tsunami affected

islands. The Bank has also entered into an agreement with Maldives National Chamber for Commerce and Industries and Maldives

Association of Tourism Industry to manage and administer another loan scheme called Livelihood Revitalization Programme Fund

(LRP) to provide financial assistance to revive economic activities for the benefit of individual/s community based organizations

(CBOs) and business enterprises from Tsunami Affected Islands.

The movement of the fund during the year is as follows:

Maturity of borrowings

Not later than 1 year

Later than 1 year and not later than 5 years

Later than 5 years

2005

13,616,155

36,252,002

21,229,843

71,098,000

2005

3,705,035

965,539

4,670,574

2005

965,539

2004

14,914,359

42,328,475

31,845,109

89,087,943

2004

2,635,914

1,069,121

3,705,035

2004

1,069,121

29 Other liabilities

Accrued expenses

Employees provident fund

Provision for other losses

Sundry creditors

ILRDP and LRP fund

2005

9,323,414

21,419,269

120,800

14,549,505

6,694,693

52,107,681

2004

12,272,535

16,502,485

255,099

16,790,164

-

45,820,283

28 Deferred income taxes

Deferred income taxes are calculated on all temporary differences under the liability method using an effective tax rate of 25%.

The movement on the deferred tax account is as follows :

At the beginning of the year

Accelerated tax depreciation

At end of the year

The deferred tax charge in the income statement represent the following temporary difference:

Accelerated tax depreciation

27 Borrowings (continued)

55




The total authorised number of ordinary shares is 1,000,000 shares (2004 - 1,000,000 shares) with a par value of Rf 300 (2004

- Rf 300) per share. All issued shares are fully paid.

30 Ordinary shares and share premium

At 31 December 2004

At 31 December 2005

Number

of shares

121,720

121,720

Ordinary

shares

36,516,000

36,516,000

Share

premium

11,270,040

11,270,040

Total

47,786,040

47,786,040

Island Livelihood Revitalisation Development

programme Fund

Amount received

Add: Interest accrued on loans during the year

Less: Administration fees

Less: Loans and advances at the year-end

Livelihood Revitalization Programme Fund

Amount received

Total fund

2005

6,375,000

153,039

(112,645)

(6,258,050)

157,344

6,537,349

6,694,693

2004

-

-

-

-

-

-

-

29 Other liabilities (continued)

31 Reserves

Statutory reserve

Assigned capital reserve

General reserve

Total reserves at end of year

Movement in reserves were as follows:

Statutory reserve

At beginning of year

Transfer to general reserve

At end of year

Assigned capital reserve


At end of year

2005

30,000,000

6,000,000

337,418,210

373,418,210

30,000,000

-

30,000,000

6,000,000

6,000,000

2004

30,000,000

6,000,000

254,541,201

290,541,201

54,457,899

(24,457,899)

30,000,000

6,000,000

6,000,000

56




31 Reserves (continued)

As per the subsidiary loan agreement between the Bank and the Government of the Republic of Maldives, on Atolls credit and development

banking project, the bank reserved Rf 6.0 Mn as Assigned capital reserve.

General reserve


Net profit for year

Dividends

Transfer from statutory reserve

At end of year

Total reserves


Net profit for year

Dividends

At end of year

32 Contingencies

(a) Contingent liabilities

In the normal course of business, the Bank makes various commitments and incurs certain contingent liabilities with legal recourse to its

customers. No material losses are anticipated as a result of these transactions. The commitments are quantified below:

Acceptances

Letters of credit

Guarantees

(b) Unutilised irrevocable commitments

The unutilised value of irrevocable commitments relating to letters of credit, acceptances and permanent overdrafts which cannot be

withdrawn at the discretion of the Bank, without risk of incurring significant penalties or expenses approximates to Rf 214,656,380

(2004: Rf 277,731,268) as at the balance sheet date.

(c) Investment

The Board of Directors of Bank of Maldives Plc has subscribed and paid at par value for a shareholding up to 10 (ten) percent in the total

equity share capital of MFLC at an aggregate amount equal to US$ 500,000 (Rf 6,425,000). The Bank is required to enter into a Put

Option agreement with International Finance Corporation (IFC) and under the said Put Option, IFC shall have the right to sell its shares

in MFLC as specified in the Put Option to, inter alia, the Bank, and the Bank is obliged to purchase from IFC the shares thus offered to the

Bank. The Bank's said obligations under the Put Option may be continued as an unquantifiable contingent liability and the Government

has agreed to indemnify the Bank against such contingent liability.

2005

254,541,201

94,440,409

(11,563,400)

-

337,418,210

2005

290,541,201

94,440,409

(11,563,400)

373,418,210

2005

138,790,098

145,126,480

398,787,076

682,703,654

2004

164,355,159

76,682,943

(10,954,800)

24,457,899

254,541,201

2004

224,813,058

76,682,943

(10,954,800)

290,541,201

2004

67,650,528

132,496,952

211,756,511

411,903,991

57




32 Contingencies (continued)

(d) Contingent assets

There were no material contingent assets recognised at the balance sheet date.

33 Commitments

(a) Capital commitments

There were no material capital commitments outstanding as at the balance sheet date.

(b) Operating lease commitments

The future minimum lease payments under non-cancellable operating leases are as follows:

Not later than 1 year

Later than 1 year and not later than 5 years

Later than 5 years

34 Cash generated from operations

Reconciliation of net profit to cash generated from operations:

Profit before tax

Adjustments for :

Depreciation (Note 10)

Profit on sale of property, plant and equipment (Note 8)

Decrease in provision for other losses

Provision for bad and doubtful debts (Note 11)

Decrease in accrued expenses

Increase/(Decrease) in prepayments and advances

Cash generated from operations

2005

2,148,671

5,266,995

2,795,000

10,210,666

2005

125,920,546

14,458,575

(68,931)

(134,299)

54,659,319

(2,949,121)

4,132,937

196,019,026

2004

1,441,780

3,567,920

140,000

5,149,700

2004

102,766,557

13,052,104

(86,701)

(1,745,801)

42,067,794

(2,422,291)

(24,125,657)

129,506,005

35 Related party transactions

The Bank is controlled by Government of Maldives which owns a 51% of the ordinary shares. The remaining 49% of the shares are

widely held.

A number of banking transactions are entered into with State controlled entities in the normal course of business. These include

loans, deposits, trade finance and foreign currency transactions.

58




35 Related party transactions (continued)

Transactions with other related parties are as follows:

Party/ies

V.A Pvt. Ltd

Name of Directors/Relationship

Mr. Ahmed Hamza (Director- V.A Pvt. Ltd)

Aggregate amount of accommodation Limit

US$ 500,000.00

Outstanding as at 31.12.05 Direct

(Limit was Sactioned on 28.12.2005, however party availed facility in March 2006)

Nature of Transaction

Letter of Credit cum Overdraft

Security

i. Mortgage of house name “Willows”,Villingili, Male’ Bearing registry no. A-4120 within 130.05sq.m of private land owned by Mr.

Ali Yoosuf (Guarantor), insured in the name of the borrower for US$450,000.00.

ii. Mortgage of shop situated at No. 75 Majeedheemagu, Male’ bearing registry no. AB/F.51 within 393 sq.ft of government land

owned by Mr. Mohamed Latheef (Guarantor and Director of the Borrower) insured in the name of the Borrower for Rf 4,000,000.00.

iii. Mortgage, Hypothecate, deposit with and pledge to the Bank and also pledges, mortgages, hypothecates and create fixed and

floating charge to the Bank, by way of first charge over the stock in trade at all shop and godowns owned by the Borrower,

insured in the name of the owner for Rf 1,750,000.00.

iv. Personal Guarantee of the following Directors of the Borrower:

a) Ms. Shamsul Muna, Alanaasige, S. Maradhoo Feydhoo.

b) Mr. Moahmed Latheef, Alanaasige, S. Maradhoo Feydhoo.

c) Mr. Ali Shiyaam, Alanaasige, S. Maradhoo Feydhoo.

d) Mr. Ahmed Hamza, Alanaasige, S. Maradhoo Feydhoo.

e) Mr. Ibrahim Jihad, M. Three A Villa, Male’

f) Ms. Shamoona Abdulla, M. Three A Villa, Male’

59




35 Related party transactions (continued)

Party/ies

Edify Maldives Pvt. Ltd

Name of Directors/Relationship

Mr. Mohamed Ahmed Didi (Director-Edify Maldives Pvt. Ltd)

Aggregate amount of accommodation Limit

US$ 5,315.85 (2004:Rf 39,834, US$24,444)

Outstanding as at 31.12.05 Direct

US$ 5,315.85 (2004:Rf 39,834, US$24,444)

Nature of Transaction

Performance Bank Guarantee

Security

100% margin

In 2005, the total remuneration of the directors was Rf 1,479,999 (2004: Rf 1,319,392).

36 Post balance sheet events

No events have occured since the balance sheet date, which would require adjestments to, or discllosure in, the financial statements.

60

mAlIbayAnqtakA guLE mAlIbayAnqtakA guLE mAlIbayAnqtakA guLE mAlIbayAnqtakA guLE mAlIbayAnqtakA guLE

nOTqtawq nOTqtawq nOTqtawq nOTqtawq nOTqtawq

bEnqkq wofq mOlqDivqsq plk - waharI ripOTq 5002

53. 53. 53. 53. 53.guLunq hunqna farAtqtakuge muwAmalAtu )wAguLE( guLunq hunqna farAtqtakuge muwAmalAtu )wAguLE( guLunq hunqna farAtqtakuge muwAmalAtu )wAguLE( guLunq hunqna farAtqtakuge muwAmalAtu )wAguLE( guLunq hunqna farAtqtakuge muwAmalAtu )wAguLE(

muwAmalAtuge bAvatq muwAmalAtuge bAvatq muwAmalAtuge bAvatq muwAmalAtuge bAvatq muwAmalAtuge bAvatqleTar wofq kqreDiTq wadi wOvarDqrAfqTqsekiwuriTI sekiwuriTI sekiwuriTI sekiwuriTI sekiwuriTI1- mOgEjqkurI mAle vilingili gawi huri”vilOsq“ namakaSq kiyAgeweve. wegEge rajisqTqrI nanqbarakI 0214-wE weve. 50.031 waka mITarge wamiwqlamibimakI wf. WalI yUsufu)gerenqTIdE farAtq( ge bimekeve. migevanI faawisA nagAfarAtuge namugawi 00.000,054 yUwesqDolaraSq winqCuwar koSqfaweve.

2-mOgEjqkurI majIdImagu 57 nanqbaru fihAraweve. sarukAruge 393 wakafUTq bimugawi huri mifihArawige rajisqTqrI nanqbarakI 15.wefq/wEbIweve. verifarAtakIwf. muHanqmadu laYIfu )gerenqTIdE farAtq wadi fawisAnagA farAtuge DirekqTar( mitanqvanI fawisAnagA farAtuge namugawi 00.000,000,4 rufiyA waSqwinqCuwar koSqfaweve.

3-mOgEjqkoSq wadi hawipotikETqkurI bEnqkugawi bahawqTawi wewaSq wagu kanDawaLawi wadi fqlOTingq wagAweku fawisA nagA farAtuge wamiwqla fihArawAwi gudanq takunqfuratama vikE taketinq wagu bEnqkaSq dEgotaSq. mitaketi vanI verifarAtunq 00.000,057,1 rufiyA waSq winqCuwar koSqfaweve.

4- wamiwqla hawisiwqyatunq wanqnanivi DirekqTarunq gerenqTI dIfawi veweve.)h( walqfAMilA Camqsulq munA, walanAsige/ s.maradUfEdU)S( walqfAMilq muHanqmadu laYIfu, walanAsige, s.maradUfEdU)n( walqfAMilq WalI CiyAmq, walanAsige, s.maradUfEdU)r( walqwusqtAJq waHqmadu HamqzA, walanAsige, s.maradUfEdU)b( walqfAMilq wibqrAhImq jihAdu, m.tqrIwE vilA/mAle)L( walqfAMilA CamqWUnA WabqduF, m. tqrI wEvilA/mAle

farAtq/tawq farAtq/tawq farAtq/tawq farAtq/tawq farAtq/tawqweDifawi mOlqDivqsq pqrawiveTq limiTeDqDirekqTarunqge nanq/ guLunq DirekqTarunqge nanq/ guLunq DirekqTarunqge nanq/ guLunq DirekqTarunqge nanq/ guLunq DirekqTarunqge nanq/ guLunqwalqfAMilq muHanqmadu waHqmadu dIdI )DirekqTar - weDifawi mOlqDivqsq pqrawiveTq limiTeDqq(dUkuranq kan dUkuranq kan dUkuranq kan dUkuranq kan dUkuranq kanDaweLi matI minqvaru DaweLi matI minqvaru DaweLi matI minqvaru DaweLi matI minqvaru DaweLi matI minqvaru58.513,5 yUwesq Dolar )4002 gawi 438,93 rufiyA wadi 444,42 yUwesq Dolar (5002-21-13ge niyalaSq bAkI 5002-21-13ge niyalaSq bAkI 5002-21-13ge niyalaSq bAkI 5002-21-13ge niyalaSq bAkI 5002-21-13ge niyalaSq bAkI58.513,5 yUwesq Dolar )4002 gawi 438,93 rufiyA wadi 444,42 yUwesq Dolar (muwAmalAtuge bAvatq muwAmalAtuge bAvatq muwAmalAtuge bAvatq muwAmalAtuge bAvatq muwAmalAtuge bAvatqpArfOrmanqsq bEnqkq geranqTIsekiwuriTI sekiwuriTI sekiwuriTI sekiwuriTI sekiwuriTI

mArjinq 001 winqsawqta

5002 vana waharu DirekqTarunqge wujUrawaSq hEdavefawivA jumqlawakI 999,974,1 rufiyA )4002 gawi 293,913,1rufiyA( weve.

63. 63. 63. 63. 63.belenqsq CITqge tArIKuge fahuge hAdisAtawq belenqsq CITqge tArIKuge fahuge hAdisAtawq belenqsq CITqge tArIKuge fahuge hAdisAtawq belenqsq CITqge tArIKuge fahuge hAdisAtawq belenqsq CITqge tArIKuge fahuge hAdisAtawq

belenqsq CITqge tArIKuge fahunq, mAlI bayAnqtakaSq badalewq genqnanqjehE nuvata wekamewq hAmakuranqjehE wewqvesq kamewq hingAfawewq nuveweve.

) wehenq gotakaSq bayAnq koSqfawi nuvAnama hurihA wadadewq divehi rufiyA winq(

61

33. 33. 33. 33. 33.komiTqmenqTqsq )wAguLE( komiTqmenqTqsq )wAguLE( komiTqmenqTqsq )wAguLE( komiTqmenqTqsq )wAguLE( komiTqmenqTqsq )wAguLE(

1 waharaSqvure fasqnukoSq1 waharaSqvure fasq 5 waharaSqvure faasqnukoSq5 waharaSqvure fasqkoSq

43. 43. 43. 43. 43.hinqgumunq libunu fawisA hinqgumunq libunu fawisA hinqgumunq libunu fawisA hinqgumunq libunu fawisA hinqgumunq libunu fawisA

sAfu fawidA hinqgumunq libunu fawisAwA rikonqsawilqkurunq:

Tekqsq negumuge kurinq wotq fawidA

hamajewqsunq:balaSqkenDunq )nOTq 01(pqroparTI, pqlAnqTq wAwi wikuwipqmenqTq viwqkumuge fawidA )nOTq 8(wehenihenq gewqlumaSq behewqTi bawinq wuniviinulibEnekamaSq belevE lOnaSq behewqTi )nOTq 11(wewqkurevunu wehenihenq Karadunq wunivikurinq dawqkAfawivA fawisA wAwi lOnq wituruvi/ )wunivi(hinqgumunq libunu fawisA




53. 53. 53. 53. 53.guLunq hunqna farAtqtakuge muwAmalAtu guLunq hunqna farAtqtakuge muwAmalAtu guLunq hunqna farAtqtakuge muwAmalAtu guLunq hunqna farAtqtakuge muwAmalAtu guLunq hunqna farAtqtakuge muwAmalAtu

bEnqkakI sarukAruge 15 winqsawqta hiwqsAwAweku sarukAruge konqTqrOlq wonqna bEnqkekeve. wanewq94 winqsawqta hiwqsA wakI wekifarAtqtakaSq dUkurevifawivAhiwqsAweve.

wAdawige viyafArIge terEgawi dawulatunq konqTqrOlqkurA farAtqtakAweku muwAmalAtutawq hingaweve. mIgeterEgawi lOnAwi DipoziTAwi viyafAriwaSq fawisA dinumAwibErufawisAge muwAmalAtutawq himeneweve.

guLunqhuri wehenihenq farAtqtakAweku hinqgifawivA muwAmalAtutawq tirIgawi mivanIweve.

farAtq/tawq farAtq/tawq farAtq/tawq farAtq/tawq farAtq/tawqvI.wE pqrawiveTq limiTeDqDirekqTarunqge nanq/ guLunq DirekqTarunqge nanq/ guLunq DirekqTarunqge nanq/ guLunq DirekqTarunqge nanq/ guLunq DirekqTarunqge nanq/ guLunqwalqwusqtAJq waHqmadu HamqzA )DirekqTar - vI.wE pqrawiveTq limiTeDq(dUkuranq kan dUkuranq kan dUkuranq kan dUkuranq kan dUkuranq kanDaweLi matI minqvaru DaweLi matI minqvaru DaweLi matI minqvaru DaweLi matI minqvaru DaweLi matI minqvaru00.000,005 yUwesq Dolar5002-21-13 ge niyalaSq bAkI 5002-21-13 ge niyalaSq bAkI 5002-21-13 ge niyalaSq bAkI 5002-21-13 ge niyalaSq bAkI 5002-21-13 ge niyalaSq bAkI)dUkuranqninqmI 5002-21-82 gawi wekamaku bEnunq kurI mAcq 6002 gawi(

2005

2,148,671

5,266,995

2,795,000

10,210,666

2005

125,920,546

14,458,575

(68,931)

(134,299)

54,659,319

(2,949,121)

4,132,937

196,019,026

2004

1,441,780

3,567,920

140,000

5,149,700

2004

102,766,557

13,052,104

(86,701)

(1,745,801)

42,067,794

(2,422,291)

(24,125,657)

129,506,005


62




33. 33. 33. 33. 33.komiTqmenqTqsq komiTqmenqTqsq komiTqmenqTqsq komiTqmenqTqsq komiTqmenqTqsq

)h( rawusqmAluge komiTqmenqTq )h( rawusqmAluge komiTqmenqTq )h( rawusqmAluge komiTqmenqTq )h( rawusqmAluge komiTqmenqTq )h( rawusqmAluge komiTqmenqTq

belenqsq CITq ge tArIKugawi rawusqmAluge komiTqmenqTqge gotugawi dawqkanqjehifawivA wewqcewq neteve.

)S( kuwqyaSq hifumuge komiTqmenqTq )S( kuwqyaSq hifumuge komiTqmenqTq )S( kuwqyaSq hifumuge komiTqmenqTq )S( kuwqyaSq hifumuge komiTqmenqTq )S( kuwqyaSq hifumuge komiTqmenqTq

kuwqyaSq hifumAguLigenq kenqsalqnukurevEgotaSq huri komiTqmanqTatakaSq kurimagugawi wenqme madunq dawqkanqjehE fawisA tirIgawi bayAnqkoSqfawi wevanI weve.

2004

67,650,528

132,496,952

211,756,511

411,903,991

2005

138,790,098

145,126,480

398,787,076

682,703,654

23. 23. 23. 23. 23.konqTinqjenqsIzq konqTinqjenqsIzq konqTinqjenqsIzq konqTinqjenqsIzq konqTinqjenqsIzq

)h( konqTinqjenqTq lawibiliTIzq )h( konqTinqjenqTq lawibiliTIzq )h( konqTinqjenqTq lawibiliTIzq )h( konqTinqjenqTq lawibiliTIzq )h( konqTinqjenqTq lawibiliTIzq

wAdawige gotewqgawi bEnqkunq viyafArikurumugawi kasqTamarunqnaSq komiTqve konqTinqjenqTq lawibiliTIzqtawq wufawqdaweve. mifada muwAmalAtuge sababunqboDu gewqlumewq vedAnekamakaSq belifawewq nuveweve. wekomiTqmanqTqtawq wadadutakunq dawqkAgotq tirIgawi wevanIweve.

gabUlukurunqleTar wofq kqreDiTqgaranqTIzq

)S(bEnunqnukurevihuri wanburA nugenevEne komiTqmanqTqsq )S(bEnunqnukurevihuri wanburA nugenevEne komiTqmanqTqsq )S(bEnunqnukurevihuri wanburA nugenevEne komiTqmanqTqsq )S(bEnunqnukurevihuri wanburA nugenevEne komiTqmanqTqsq )S(bEnunqnukurevihuri wanburA nugenevEne komiTqmanqTqsq

leTar wofq kqreDiTAwi gabUlukurunqtakAwi dAwimI wOvarDqrAfqTA guLigenq boDujurumanA wewq nuvata Karadewqge gewqlumAnulawi bEnqkaSq wamiwqla wiKqtiyArugawi,bEnunqnukoSq hurinamavesq wanburA nugenevEne komiTqmanqTq belenqsq CITqge tArIKq gawi gAtqganDakaSq 083,656,412 rufiyA )4002 gawi 862,137,772rufiyA( waSq waraweve.

)n(winqvesqTqmanqTq )n(winqvesqTqmanqTq )n(winqvesqTqmanqTq )n(winqvesqTqmanqTq )n(winqvesqTqmanqTq

bEnqkq wofq mOlqDivqsq plk ge DirekqTarunqge bODunq mOlqDivqsq fawinEnqsq lIsinqg komqpenI pqrawiveTq limiTeDq)wemq.wefq.welq.sI(ge hiwqsAgerawusqmAluge jumqlawige 01 winqsawqta nuvata jumqla 000,005 yUwesq Dolar)000,524,6 rufiyA( ge hiwqsA wEge hama wagugawi gane waguwadAkoSqfawiveweve.wadi miwAvidigenq” puTqwopqCanq“ wewqge daSunq bEnqkAwi winqTarnECanalq fawinEnqsq kOparECanq) wawi.wefq.sI(wA demedu wewqbasqvefawivA wewqbasqvumakunqwemq. wefq. welq. sI. winq wawi. wefq.sI ganefawivA hiwqsA viwqkAlanI nama wehiwqsA bEnqkaSq gatumaSq lAzimukureweve. mi” puTq wopqCanq“ ge daSunq bEnqkaSqlAzimukurA lAzimukurumakI wEge minqvaru kanDawaLanqnEgE lawibiliTIwewqkamaSAwi wadi mifada lawibiliTItakunq bEnqku rawqkAterikoSqdEne kamaSq sarukArunq yagInqkanqlibifawiveweve.

)r( konqTinqjeenqTq weseTqsq )r( konqTinqjeenqTq weseTqsq )r( konqTinqjeenqTq weseTqsq )r( konqTinqjeenqTq weseTqsq )r( konqTinqjeenqTq weseTqsq

belenqsq CITq ge tArIKugawi konqTinqjenqTq weseTqsqge gotugawi wekaSIgenqvA wewqcewq fAhagakoSqfawewq neteve.


63




2005

254,541,201

94,440,409

(11,563,400)

-

337,418,210

2005

290,541,201

94,440,409

(11,563,400)

373,418,210

2004

164,355,159

76,682,943

(10,954,800)

24,457,899

254,541,201

2004

224,813,058

76,682,943

(10,954,800)

290,541,201

weTolqsq kqreDiTq wenqDq DivelopqmanqTq bEnqkinqg pqrojekqTq hinqgumaSq divehi sarukArAwi bEnqkA demedu kurevifawivA wegqrImenqTqge daSunq bEnqkunq6 miliyanq rufiyA wesawinqDq kepiTalq rizAvqge gotugawi bahawqTAfawiveweve.

wAnqmu rizAvq wAnqmu rizAvq wAnqmu rizAvq wAnqmu rizAvq wAnqmu rizAvqwaharu feSunu wiruwaharuge sAfu fawidAbehi fawidAQAnUnI rizAvaSq badalukuriwaharu nimunu wiru

rizAvqge jumqla rizAvqge jumqla rizAvqge jumqla rizAvqge jumqla rizAvqge jumqlawaharu feSunu wiruwaharuge sAfu fawidAbehi fawidAwaharu nimunu wiru

2005

30,000,000

6,000,000

337,418,210

373,418,210

30,000,000

-

30,000,000

6,000,000

6,000,000

2004

30,000,000

6,000,000

254,541,201

290,541,201

54,457,899

(24,457,899)

30,000,000

6,000,000

6,000,000

13. 13. 13. 13. 13.rizAvq rizAvq rizAvq rizAvq rizAvq

QAnUnI rizAvqwesawinqDq kepiTalq rizAvqwAnqmu rizAvqwaharu nimunuwiru jumqla rizAvq

rizAvaSq badaluwawisqfawivAgotq tirIgawi wevanIweve.

QAnUnI rizAvq QAnUnI rizAvq QAnUnI rizAvq QAnUnI rizAvq QAnUnI rizAvqwaharu feSunu wiruwAnqmu rizAvq winq badalukuriwaharu nimunu wiru

wesawinqDq kepiTalq rizAvq wesawinqDq kepiTalq rizAvq wesawinqDq kepiTalq rizAvq wesawinqDq kepiTalq rizAvq wesawinqDq kepiTalq rizAvqwaharu feSunu wiruwaharu nimunu wiru


64




92. 92. 92. 92. 92.wehenihenq lawibiliTIzq )wAguLE( wehenihenq lawibiliTIzq )wAguLE( wehenihenq lawibiliTIzq )wAguLE( wehenihenq lawibiliTIzq )wAguLE( wehenihenq lawibiliTIzq )wAguLE(

sunAmIgawi hAlugawi jehunu wigutisAdI harakAtqtawq faSawigatumaSq wehIterivedewqvumuge gotunq sarukArunq hinqgavA wawilenqDq lawivqlihuDq rivawiTalawizECanq DivelopqmanqTqpqrogurAmq fanqDq)wawiwelqwAruDIpI(ge daSunq hinqgavA lOnq sqkImq balahawqTawi hinqgumuge masawqkatq miwaharuterEgawi bEnqkunq kuriweve. hamawehenqme bEnqkAwi divehiviyafAriverinqgeQawumI jamqWiwqyA wAwi mOlqDivqsq wesOsiwECanq wofq TUrizamq winqDasqTqrI wAweku vefawivA wewqbasqvumewqge daSunq wedejamAwatq guLigenq sunAmIgawi hAlugawi jehunuraSqraSuge farudunqnAwi jamAwatqtakAwi viyafArIge harakAtqtawq walunqfaSawigatumaSq wehIterivedinumuge gotunq hinqgi lawivqlihuDq rivawiTalawizECanq pqrogqrAmq fanqDq)welqwArupI(gedaSunq hinqgA lOnu sqkImq hinqgawi balahawqTanI bEnqkunqneve.

03. 03. 03. 03. 03.wAdawige hiwqsA wAwi hiwqsAge mUnumatI wagaSqvure wituraSq huri wAdawige hiwqsA wAwi hiwqsAge mUnumatI wagaSqvure wituraSq huri wAdawige hiwqsA wAwi hiwqsAge mUnumatI wagaSqvure wituraSq huri wAdawige hiwqsA wAwi hiwqsAge mUnumatI wagaSqvure wituraSq huri wAdawige hiwqsA wAwi hiwqsAge mUnumatI wagaSqvure wituraSq huri

hiwqsAge hiwqsAge hiwqsAge hiwqsAge hiwqsAge wAdawige wAdawige wAdawige wAdawige wAdawige hiwqsAge mUnumatI hiwqsAge mUnumatI hiwqsAge mUnumatI hiwqsAge mUnumatI hiwqsAge mUnumatI jumqla jumqla jumqla jumqla jumqla wadadu wadadu wadadu wadadu wadadu hiwqsA hiwqsA hiwqsA hiwqsA hiwqsA wagaSqvure wituru wagaSqvure wituru wagaSqvure wituru wagaSqvure wituru wagaSqvure wituru

13 Disemqbar 4002 gawi13 Disemqbar 5002 gawi

huwqdakurevifawivA wAdawige hiwqsAge wadadakI 000,000,1 )4002 gawi 000,000,1 hiwqsA( weve. mihiwqsAge mUnumatIge wagakI 003 rufiyA)4002 gawi 003 rufiyA( weve. dUkoSqfawivA hurihA hiwqsA wakI furihamawaSq wagu wadAkoSqfawivA hiwqsAweve.

121,720

121,720

36,516,000

36,516,000

11,270,040

11,270,040

47,786,040

47,786,040

wawilenqDq lawivqlihuDq rivawiTalawizECanq DivelopqmanqTq pqrogqrAmq fanqDq wawilenqDq lawivqlihuDq rivawiTalawizECanq DivelopqmanqTq pqrogqrAmq fanqDq wawilenqDq lawivqlihuDq rivawiTalawizECanq DivelopqmanqTq pqrogqrAmq fanqDq wawilenqDq lawivqlihuDq rivawiTalawizECanq DivelopqmanqTq pqrogqrAmq fanqDq wawilenqDq lawivqlihuDq rivawiTalawizECanq DivelopqmanqTq pqrogqrAmq fanqDq libunu wadadu wewqkuranq: waharuterEgawi lOnuge winqTaresqTaSq wituruvi kanDanq: widArI fI kanDanq: waharuge niyalaSq dUkurevunu lOnAwi weDqvAnqsq

lawivqlihuDq rivawiTalawizECanq pqrogqrAmq fanqDq libunu wadadu fanqDqge jumqla

2005

6,375,000

153,039

(112,645)

(6,258,050)

157,344

6,537,349

6,694,693

2004

-

-

-

-

-

-

-


65




72. 72. 72. 72. 72.wanburA dawqkanqnagAfawivA fawisA )wAguLE( wanburA dawqkanqnagAfawivA fawisA )wAguLE( wanburA dawqkanqnagAfawivA fawisA )wAguLE( wanburA dawqkanqnagAfawivA fawisA )wAguLE( wanburA dawqkanqnagAfawivA fawisA )wAguLE(

winqsqTOlqmanqTaSq bahawigenq waharaku de winqsqTOlqmanqTq dawqkAgotaSq yUrO winqneve. novemqbar 9991 nq feSigenq mE 5002 ge niyalaSq lOnu dawqkawininqmanqjeheweve. milOnu nagAfawivanIdivehisarukArunq gerenqTI dewqvawigenqneve. milOnuvanI 71 mE 5002 gawi wewqkoSq dawqkA nimifaweve.

mIge wituraSq jArmanq winqvesqTqmanqTq wenqDq DivelopqmanqTq komqpenI )DIwIjI( winq 4002 vana waharu bEnqkaSq 2 miliyaSq yUrOge lOnewq nagAfawiveweve.milOnuge winqTaresqTq dawqkanqjehEgotakI nagAfawi bAkIwonqna wadadewqge mawqcaSq yUrO lawibOwaSqvure 53.3 winq sawqta wituraSeve. wadi winqTaresqTqdawqkanqjehenI waharaku defaharuweve. lOnuge muLi jumqla wAwi winqTaresqTq dawqkanqjehenI 6 winqsqTOlqmanqTaSq bahawigenq waharaku de winqsqTOlqmanqTqdawqkAgotaSq yUrOwinqneve.milOnu novemqbar5002 nq feSigenq mewi 8002 ge niyalaSq dawqkawi ninqmanqjeheweve. milOnu nagAfawivanI divehisarukArunqgerenqTI dewqvawigenqneve.

wanburA dawqkanq nagAfawivA fawisA tasawqrafu fudunq wanburA dawqkanq nagAfawivA fawisA tasawqrafu fudunq wanburA dawqkanq nagAfawivA fawisA tasawqrafu fudunq wanburA dawqkanq nagAfawivA fawisA tasawqrafu fudunq wanburA dawqkanq nagAfawivA fawisA tasawqrafu fudunq

1 waharaSqvure fasqnukoSq1 waharaSqvure fasq 5 waharaSqvure faasqnukoSq5 waharaSqvure fasqkoSq

82. 82. 82. 82. 82.dewqkunq fasqkurevunu fawidA Tekqsq dewqkunq fasqkurevunu fawidA Tekqsq dewqkunq fasqkurevunu fawidA Tekqsq dewqkunq fasqkurevunu fawidA Tekqsq dewqkunq fasqkurevunu fawidA Tekqsq

dewqkunq fasqkurevunu fawidA Tekqsq hisAbukuranI vagutI wadadutakunq Tekqsq rETewqge gotugawi hamajehifawivA 52 winqsawqta nagAgotaSeve.

dewqkunq fasqkurevunu fawidA Tekqsq tirIgawi bayAnqkoSqfawi wevanI:

waharu feSunuwiruhaluwikoSqfawi balaSqkenDumugawi wotq Tekqsqwaharu nimunuwiru

dewqkunq fasqkurevunu fawidA Tekqsq wAmqdanI bayAnugawi tirIgaawivA vagutI tafAtu dawqkaweve.

haluwikoSqfawi balaSqkenDumugawi wotq Tekqsq

2005

13,616,155

36,252,002

21,229,843

71,098,000

2005

3,705,035

965,539

4,670,574

2005

965,539

2004

14,914,359

42,328,475

31,845,109

89,087,943

2004

2,635,914

1,069,121

3,705,035

2004

1,069,121

2005

9,323,414

21,419,269

120,800

14,549,505

6,694,693

52,107,681

2004

12,272,535

16,502,485

255,099

16,790,164

-

45,820,283

92. 92. 92. 92. 92.wehenihenq lawibiliTIzq wehenihenq lawibiliTIzq wehenihenq lawibiliTIzq wehenihenq lawibiliTIzq wehenihenq lawibiliTIzq

jamAkurevifawivA Karadumuvawqzafunqge pqroviDenqTq fanqDqwehenihenq gewqlumaSq kanDaweLisanqDqrI kqreDiTarsqwawiwelqwAruDIpI wAwi welqwArupI fanqDq


66




52. 52. 52. 52. 52. wehenihenq weseTq wehenihenq weseTq wehenihenq weseTq wehenihenq weseTq wehenihenq weseTq DipoziTAwi kurinq dawqkAfawi huri wehenihenq daraniverinq

62. 62. 62. 62. 62. wehenq bEnqkutakunq jamAkoSqfawihuri wehenq bEnqkutakunq jamAkoSqfawihuri wehenq bEnqkutakunq jamAkoSqfawihuri wehenq bEnqkutakunq jamAkoSqfawihuri wehenq bEnqkutakunq jamAkoSqfawihuri

karanqTq wekawunqTq DipoziTq sEvinqg DipoziTq TArmq DipoziTq leTar wofq kqreDiTqge mArjinq bEnqku garanqTIge mArjinq

kasqTamarunqge DipoziTqge terEgawi bEnqku garanqTI wAwi mudAweterekurumuge leTar wofq kqreDiTqge sekiwuriTI waSq bahawqTAfawi huri 224,652,88 rufiyA)4002 gawi 764,054,92 rufiyA( himenifawiveweve.

72. 72. 72. 72. 72. wanburA dawqkanqnagAfawivA fawisA wanburA dawqkanqnagAfawivA fawisA wanburA dawqkanqnagAfawivA fawisA wanburA dawqkanqnagAfawivA fawisA wanburA dawqkanqnagAfawivA fawisA

winqTarnECanalq fanqDq for wegqrikalqcaralq DivelopqmanqTq )wifADq( wOganawizECanq wofq peTqrOliwamq wekqsqpOTinqg kanqTqrIzq )wOpekq( jArmanq winqvesqTqmanqTq wenqDq DivelopqmanqTq kamqpenI )DIwIjI(

weTolqsq kqreDiTq wenqDq DivelopqmanqTq bEnqkinqg pqrojekqTq hinqgumaSq divehi sarukArAwi bEnqkA demedu wegqrImenqTewq kurevifawiveweve. miwegqrImenqTqge daSunqbEnqkqge DivelopqmanqTq bEnqkinqg selqwaSq lOnq dUkurumaSq winqTarnECanalq fanqDq for wegqrikalqcaralq DivelopqmanqTq )wifADq( ge rifawinEnqsq sqkImewqgedaSunq fawisA libifawiveweve. mifawisA sarukAruge farAtunq bEnqkaSq libifawivanI pqrojekqTqge muwqdatukamaSq kanDaweLifawivA hawaharuge terEgawi waharaku 1winqsawqta winqTaresqTq gaweve. wadi wEge fahunq fawisA dawqkanqjehE muwqdatugawi waharaku 3 winqsawqta winqTaresqTq gaweve. lOnuge muLi jumqla wAwiwinqTaresqTq dawqkanqjehenI 04 winqsqTOlqmanqTaSq bahawigenq waharaku de winqsqTOlqmanqTq dawqkAgotaSq mE 0002 nq feSigenqneve. migotaSq dawqkawininqmanqjehenI novemqbar 9102 gaweve.

wisqve bayAnq kurevunu bIdawinq rAwqjEge wenqme dekunuge hataru watoLu tarawqgI kurumaSq hinqgE ”dekunuge watoLutawq tarawqgI kurumuge maCqrUWu“ wA guLigenq 6991Disemqbar gawi bEnqkAwi divehi sarukArA demedu wegqrImenqTewq kurevifawiveweve. miwegqrImenqTqge daSunq lOnu dUkurumaSq winqTarnECanalq fanqDq for wegqrikalqcaralqDivelopqmanqTq )wifADq( wAwi wOganawizECanq wofq peTqrOliwamq wekqsqpOTinqg kanqTqrIzq )wOpekq( ge rifawinEnqsq sqkImewqge daSunq fawisA libifawiveweve.mifawisA sarukAruge farAtunq bEnqkaSq libifawivanI furatama hawaharu waharaku 5 winqsawqtawige winqTaresqTq gaweve. wEgefahunq winqTaresqTq hamajawqsAnevarewq kanDawaLAnI DipoziTq rETqtakaSAwi DivelopqmanqTq bEEnqkuge harakAtqtakaSAwi libifawi wotq muwqdatuge Karadutakuge mawqcaSq belumaSq fahugaweve. lOnu ge muLijumqla dawqkanq jehenI 03 winqsqTOlqmanqTaSq bahawigenq waharaku de winqsqTOlqmanqTq dawqkAgotaSq mAcq 2002 winq feSigenqneve. wadi dawqkawi ninqmanq jehenIsepqTemqbar 6102 gaweve.

jarmanq winqvesqTqmanqTq wenqDq DivelopqmanqTq kamqpenI )DIwIjI( wakI feDaralq ripabqlikq wofq jarmanIge mAlI widArAwekeve.mimAlI widArAwinq 8 miliyanqDowiCq mArkqge lOnewq bEnqkaSq negI 8991 gaweve. milOnqge winqTaresqTq dawqkanqjehEgotakI nagAfawi bAkI wonqna wadadewqge mawqcaSq DowiCq mArkq lawibOwaSqvure 53.3 winqsawqta wituraSeve. wadi winqTaresqTq dawqkanqjehenI waharaku defaharu weve. lOnuge muLi jumqla wAwi winqTaresqTq dawqkanqjehenI 21

2005

21,526,332

8,018,908

29,545,240

2005

1,360,205,118

1,516,111,086

575,094,976

33,079,047

55,177,375

3,539,667,602

2005

38,325,834

7,477,775

25,294,391

71,098,000

2004

25,659,269

1,104,205

26,763,474

2004

936,695,589

1,222,170,179

587,873,852

11,695,876

17,754,591

2,776,190,087

2004

41,269,793

8,097,798

39,720,352

89,087,943


67

32. 32. 32. 32. 32.winqvesqTqmanqTq winqvesqTqmanqTq winqvesqTqmanqTq winqvesqTqmanqTq winqvesqTqmanqTq viwqkanqhuri viwqkanqhuri viwqkanqhuri viwqkanqhuri viwqkanqhuri muwqdatakaSq jumqla jumqla muwqdatakaSq jumqla jumqla muwqdatakaSq jumqla jumqla muwqdatakaSq jumqla jumqla muwqdatakaSq jumqla jumqla behewqTifawi behewqTifawi behewqTifawi behewqTifawi behewqTifawi

waharu feSunuwiruwaharu terEgawi wituruviwaharu nimunuwiru

winqvesqTqmanqTqge terEgawi himenenI wagu wadAkoSqfawivA mOlqDivqsq fawinEnqsq lIsinqg komqpenI )wemq. wefq. welq. sI( ge hiwqsAwAwi vaki muwqdatakaSq mOlqDivqsqhawusinqg DiivelopqmanqTq fawinEnqsq kOrparECanq limiTeDq ge bonqDaSq winqvesqTq kurevifawivA winqvesqTqmenqTeve. mi bonqDakI hiwqsAge bAzArugawi lisqTq kurevigenqviyafArIge muwAmalAtunukurA wewqcakaSq vumunqu hagIgI wagu belenq netumAweku winqvesqTqmanqTqge wagukamaSq belifawivanI mibonqDaSq bEnqkunq wadAkoSqfawivA wageve.

42. 42. 42. 42. 42.pqroparTI, pqlAnqTq wAwi wikqwipqmenqTq pqroparTI, pqlAnqTq wAwi wikqwipqmenqTq pqroparTI, pqlAnqTq wAwi wikqwipqmenqTq pqroparTI, pqlAnqTq wAwi wikqwipqmenqTq pqroparTI, pqlAnqTq wAwi wikqwipqmenqTq

bEnqkuge bEnqkuge bEnqkuge bEnqkuge bEnqkuge kulI komqpiyuTar farunIcarAwi winqjInulI jumqla jumqla kulI komqpiyuTar farunIcarAwi winqjInulI jumqla jumqla kulI komqpiyuTar farunIcarAwi winqjInulI jumqla jumqla kulI komqpiyuTar farunIcarAwi winqjInulI jumqla jumqla kulI komqpiyuTar farunIcarAwi winqjInulI jumqla jumqlatanqtanq tanqtanq tanqtanq tanqtanq tanqtanq WimArAtq wikqwipqmenqTq wikqwipqmenqTqq wuLandu WimArAtq wikqwipqmenqTq wikqwipqmenqTqq wuLandu WimArAtq wikqwipqmenqTq wikqwipqmenqTqq wuLandu WimArAtq wikqwipqmenqTq wikqwipqmenqTqq wuLandu WimArAtq wikqwipqmenqTq wikqwipqmenqTqq wuLandu 5002 4002 5002 4002 5002 4002 5002 4002 5002 4002

pqroparTI, pqroparTI, pqroparTI, pqroparTI, pqroparTI,pqlAnqTq wAwi pqlAnqTq wAwi pqlAnqTq wAwi pqlAnqTq wAwi pqlAnqTq wAwiwikqwipqmenqTqge wagu wikqwipqmenqTqge wagu wikqwipqmenqTqge wagu wikqwipqmenqTqge wagu wikqwipqmenqTqge wagu

waharu feeSunu wiruwaharuterE wituruviwaharuterE nawqtAliwaharu nimunuwirubAkI

jamAkoSq jamAkoSq jamAkoSq jamAkoSq jamAkoSqbalaSq ken balaSq ken balaSq ken balaSq ken balaSq kenDunu Dunu Dunu Dunu Dunu

waharu feSunu wiruwaharu terE badalukurinawqtAli taketIgebalaSq kenDiwaharu nimunu wirubAkI

waharu nimunuwiru fotunqdawqkA sAfu wagu

64,189,677

-

-

64,189,677

19,251,120

3,209,496

-

22,460,616

41,729,061

2,530,147

702,069

-

3,232,216

1,381,941

407,196

-

1,789,137

1,443,079

60,180,760

10,736,298

(502,877)

70,414,181

33,837,585

9,174,982

(434,612)

42,577,955

27,836,226

8,550,456

1,749,758

(210,378)

10,089,836

6,011,962

1,318,726

(209,707)

7,120,981

2,968,855

6,286,212

540,431

(3,210)

6,823,433

5,271,220

348,175

(3,210)

5,616,185

1,207,248

141,737,252

13,728,556

(716,465)

154,749,343

65,753,828

14,458,575

(647,529)

79,564,874

75,184,469

125,798,576

17,109,777

(1,171,101)

141,737,252

53,847,401

13,052,104

(1,145,677)

65,753,828

75,983,424

6,425,000

-

6,425,000

5,000,000

5,000,000

10,000,000

2005

11,425,000

5,000,000

16,425,000

2004

6,425,000

5,000,000

11,425,000

)h( bEnqkuge bawewq gofitawq hinqganI tinqvana farAtakunq kuwqyaSq hifAfawivA tanqtanugaweve. wehenqkamunq kuwqyaSq jumqla 542,551,2 rufiyA )4002 gawi 103,799,1rufiyA( hEdavefawiveweve.

)S( belenqsq CITqge tArIKugawi muLinq balaSq kanDawilevifawivA weseTqge jumqla wagakI 406,642,12 rufiyA )4002 gawi 264,603,22 rufiyA( weve.





68




02. 02. 02. 02. 02. lOnAwi weDqvAnqsq lOnAwi weDqvAnqsq lOnAwi weDqvAnqsq lOnAwi weDqvAnqsq lOnAwi weDqvAnqsq wOvarDqrAfqTq wamAzukurevE farAtqtakaSq dUkurevE lOnq wamAzukurevE farAtqnUnq farAtqtakaSq dUkurevE lOnq vaQufu rasIdu kqreDiTq kADu ge bAkI muvawqzafunqge lOnq

kanDanq:lOnuge gewqlumaSq behewqTi }nOTq 02)h({ sasqpenqsq gawi huri winqTaresqTq )nOTq 12( lOnAwi weDqvAnqsqge sAfu jumqla lOnuge gewqlumaSq behewqTi pqroviRanaSqvIgotq tirIgawi wevanI: lOnuge gewqlumaSq behewqTi pqroviRanaSqvIgotq tirIgawi wevanI: lOnuge gewqlumaSq behewqTi pqroviRanaSqvIgotq tirIgawi wevanI: lOnuge gewqlumaSq behewqTi pqroviRanaSqvIgotq tirIgawi wevanI: lOnuge gewqlumaSq behewqTi pqroviRanaSqvIgotq tirIgawi wevanI: )h( KAwqBa pqroviRanq )h( KAwqBa pqroviRanq )h( KAwqBa pqroviRanq )h( KAwqBa pqroviRanq )h( KAwqBa pqroviRanq 1 jenuwarIgawi huri bAkII waharuge terEgawi libunu waharuterEgawi hedi pqroviRanq 13 Disemqbar gawi huri bAkI

)S( wAnqmu pqroviRanq )S( wAnqmu pqroviRanq )S( wAnqmu pqroviRanq )S( wAnqmu pqroviRanq )S( wAnqmu pqroviRanq 1 jenuwarIgawi huri bAkII waharuterEgawi hedi pqroviRanq 13 Disemqbar gawi huri bAkI jumula jumula jumula jumula jumula

tamqsIlukurevifawivanI : tamqsIlukurevifawivanI : tamqsIlukurevifawivanI : tamqsIlukurevifawivanI : tamqsIlukurevifawivanI : lOnAwi weDqvAnqsq bilq wofq wekqsqcEnqjq

12. 12. 12. 12. 12. sasqpenqsq gawi behewqTi winqTqresqTaSq vIgotq sasqpenqsq gawi behewqTi winqTqresqTaSq vIgotq sasqpenqsq gawi behewqTi winqTqresqTaSq vIgotq sasqpenqsq gawi behewqTi winqTqresqTaSq vIgotq sasqpenqsq gawi behewqTi winqTqresqTaSq vIgotq

1 jenuwarIgawi huri bAkI waharu terEgawi sasqpenqsq gawi behewqTi sasqpenqsq gawi behewqTi winqTqresqTunq libunu 13 Disemqbar gawi huri bAkI

22. 22. 22. 22. 22. weseTqge fenqvaru weseTqge fenqvaru weseTqge fenqvaru weseTqge fenqvaru weseTqge fenqvaru wufewqdunqteri nUnq weseTqge terEgawi himenifawivA winqTqresqTq wewqkurevemunqnudA lOnAwi bilugeterEgawi himenE bawitakakI: lOnAwi weDqvAnqsq bilq wofq wekqsqcEnqjq

2005

803,307,153

330,806,045

1,843,700,581

20,474,667

50,768,595

9,928,540

3,058,985,581

(128,464,593)

(103,003,549)

2,827,517,439

2005

77,266,222

(5,352,638)

34,001,968

105,915,552

10,437,747

20,657,351

31,095,098

137,010,650

128,464,593

8,546,057

137,010,650

2005

62,860,069

42,479,919

(2,336,439)

103,003,549

2005

258,172,134

29,412,459

287,584,593

2004

485,153,315

126,883,254

1,304,083,197

35,386,513

10,878,524

8,137,715

1,970,522,518

(86,496,284)

(62,860,069)

1,821,166,165

2004

52,261,175

(10,767,000)

35,772,047

77,266,222

4,142,000

6,295,747

10,437,747

87,703,969

86,496,284

1,207,685

87,703,969

2004

68,111,732

25,239,568

(30,491,231)

62,860,069

2004

234,695,046

15,010,334

249,705,380


69

51. 51. 51. 51. 51.hiwqsA wakaSq jehE fawidA hiwqsA wakaSq jehE fawidA hiwqsA wakaSq jehE fawidA hiwqsA wakaSq jehE fawidA hiwqsA wakaSq jehE fawidAwasAsIgotewqgawi hiwqsA wakaSq jehE fawidA hisAbukurI hiwqsAdArunqnaSqjehE sAfufawidA waharuterEgawi dUkoSqfawi huri vewiTeDq wevarejq wAdawige hiwqsAgewadaduge mawqcaSq bahawigenqneve.

hiwqsAdArunqnaSq jehE sAfu fawidAdUkoSqfawihuri vewiTeDq weverejq wAdawige hiwqsAge wadaduwasAsIgotewqgawi hiwqsA wakaSq jehE fawidA

61. 61. 61. 61. 61.fawisA wAwi kurumuwqdatuge fanqDq fawisA wAwi kurumuwqdatuge fanqDq fawisA wAwi kurumuwqdatuge fanqDq fawisA wAwi kurumuwqdatuge fanqDq fawisA wAwi kurumuwqdatuge fanqDqnagudu fawisA winq huriwehenq bEnqkqtakugawi huri bAkIkuru muwqdatuge nOTihAweku negenq huri

71. 71. 71. 71. 71.wemq. wemq. wE. gawi huri bAkI wemq. wemq. wE. gawi huri bAkI wemq. wemq. wE. gawi huri bAkI wemq. wemq. wE. gawi huri bAkI wemq. wemq. wE. gawi huri bAkI

wesawinqDq kepiTalq DipoziTqrizAvq DipoziTqseTqfikeTq wofq DipoziTq

)h( wesawinqDq kepiTalq DipoziTq: )h( wesawinqDq kepiTalq DipoziTq: )h( wesawinqDq kepiTalq DipoziTq: )h( wesawinqDq kepiTalq DipoziTq: )h( wesawinqDq kepiTalq DipoziTq:mOlqDivqsq maniTarI wotOriTIge gavAwidA wewqgotqvAgotuge matinq, bEnqkugawi wenqme madunq rawusqmAlu hunqnanqjehE wadaduge 05 winqsawqtawige rizAvewq wesawinqDqkepiTalq DipoziTqge gotugawi bahawqTanqjeheweve.

)S( rizAvq DipoziTq )S( rizAvq DipoziTq )S( rizAvq DipoziTq )S( rizAvq DipoziTq )S( rizAvq DipoziTqviyafAri bEnqkutakuge lawibiliTIzqge 03 winqsawqta rizAvqge gotugawi bahawqTanq wemq.wemq.wE. ge gavAwidu lAzimukureweve. migotaSq behewqTumugawi bEnqkutakuge medugawihunqna lawibiliTIzq wAwi mAlEge gofitakuge mAjinq DipoziTq wisqtisqnAkureveweve.wadi wehenihenq gofitakunq bahawqTanqjehenI 51 winqsawqtaweve.

81. 81. 81. 81. 81.fawisA wAwi fawisAwA wewqfada taketi fawisA wAwi fawisAwA wewqfada taketi fawisA wAwi fawisAwA wewqfada taketi fawisA wAwi fawisAwA wewqfada taketi fawisA wAwi fawisAwA wewqfada taketifawisA libunugotuge bayAnaSqTakawi, fawisA wAwi fawisAwA wewqfadataketIge gotugawi balAfawivanI tirIgawi bayAnqkoSqfawivA webawewqge bAkI 09duvahaSqvure kuru muwqdatewqgawi tasawqrafu fudE bAkI takeve.

fawisA wAwi kurumuwqdatuge fanqDq )nOTq 61(seTqfikeTq wofq DipoziTq )nOTq 71(

91. 91. 91. 91. 91.bilq wofq wekqsqcEnqjq bilq wofq wekqsqcEnqjq bilq wofq wekqsqcEnqjq bilq wofq wekqsqcEnqjq bilq wofq wekqsqcEnqjqwekqsqpOTq bilqwimqpOTq bilqkanDanq: gewqlumaSq behewqTi pqroviRanq }nOTq 02)h({bilq wofqwekqsqcEnqjqge sAfu jumqla

2005

94,440,409

121,720

775.88

2005

79,974,074

42,062,442

98,560,000

220,596,516

2005

15,000,000

876,215,073

-

891,215,073

2004

76,682,943

121,720

629.99

2004

72,021,641

36,561,340

364,252,225

472,835,206

2004

15,000,000

775,234,449

49,917,501

840,151,950

2005

220,596,516

-

220,596,516

2005

30,527,168

39,619,933

(8,546,057)

61,601,044

2004

472,835,206

49,917,501

522,752,707

2004

2,872,395

31,099,225

(1,207,685)

32,763,935





70




21. 21. 21. 21. 21.hinqgumuge wehenihenq Karadutawq hinqgumuge wehenihenq Karadutawq hinqgumuge wehenihenq Karadutawq hinqgumuge wehenihenq Karadutawq hinqgumuge wehenihenq Karadutawq

DirekqTarunqge fIQAnUnI wujUrawoDiTarunqge wujUraweki farAtqfarAtaSq dE wehImuvAsalAtI KaradukonqsalqTanqTunqge fIsofqTqvewarge lawisanqsq fIliyekiyumaSq bEnunqkurA takewqcaSq hingi KaraduwiCqtihArukurumaSqfawisA wufulumuge KaraduwiCqtirAku KaradukqreDiTqkADu KaradumenqbarCipq fInulibEne kamaSq fotunq fuheli daraniwehenihenq

31. 31. 31. 31. 31.fawidA Tekqsqge Karadu fawidA Tekqsqge Karadu fawidA Tekqsqge Karadu fawidA Tekqsqge Karadu fawidA Tekqsqge Karadu

mihAruge Tekqsqdewqkunq fasqkurevunu Tekqsq )nOTq 82(

bEnqkuge fawidA Tekqsq, fawidA Tekqsq negumuge kurIge wadadukamaSq tirIgawi bayAnqkoSqfawivAwadadu Tekqsq negE wasAsII rETq bEnunqkoSqgenq hisAbukurumunq nukunqnAne natIjA tafAtuveweve.

Tekqsq negumuge kurinq wotq fawidA

Tekqsq negE rETqkamaSqvA %52 waSq balawi hisAbukurumunqTekqhA guLigenq wuninukurA Karadu

nudawqkawi fasqkurevunu TekqhAbehE wituru maWulUmAtu nOTq 82 gawi bayAnqkoSqfawivAneweve.

41. 41. 41. 41. 41.hiwqsAge fawidA behunq hiwqsAge fawidA behunq hiwqsAge fawidA behunq hiwqsAge fawidA behunq hiwqsAge fawidA behunqbahanq huSahaLA hiwqsAge fawidA hisAbuge terewaSq vawqdanI waharI wAnqmu jalqsA winq taBqdIQukurumunqneve. 11 wEpqrIlq 6002 gawi bEwqvi DirekqTarunqgebODuge jalqsA winq, 5002 vana waharu hiwqsA wakaSq -/001 rufiyA )4002 gawi hiwqsA wakaSq -/59 rufiyA( magunq jumqla 000,271,21 rufiyA)4002 gawi jumqla 004,365,11rufiyA( hiwqsAdArunqnaSq behumaSq huSahaLuwqvAfawiveweve. mimAlI bayAnqtakugawi mibahawilevE wadadu himanAfawewq nuvAneweve.miwadadu himanAnI hiwqsAdArunqge wikuwiTIge terEgawi himenE bawitakaSq kanDaweLunu wadaduge terEgawi behewqTifawivA fawisAwewqgegotu gawi 13 Disemqbar 6002gawi nimE waharuge hisAbugaweve.

2005

200,000

339,336

163,840

-

7,500,692

1,189,692

5,381,812

5,129,385

1,501,037

95,619

124,273

18,756,239

5,169,120

86,196

4,954,949

50,592,190

2005

30,514,598

965,539

31,480,137

2005

125,920,546

2005

31,480,137

-

31,480,137

2004

124,500

558,861

143,360

215,940

7,160,167

1,312,591

4,989,170

3,397,555

1,371,896

74,542

97,673

5,917,307

-

-

4,545,605

29,909,167

2004

25,014,493

1,069,121

26,083,614

2004

102,766,557

2004

25,691,639

391,975

26,083,614


71




8. 8. 8. 8. 8.hinqgumunq libunu wehenq wAmqdanI hinqgumunq libunu wehenq wAmqdanI hinqgumunq libunu wehenq wAmqdanI hinqgumunq libunu wehenq wAmqdanI hinqgumunq libunu wehenq wAmqdanI

TelekuhAwi fekqsq fonuvumuge Karadunq libunuwufewqdunqteri nUnq lOnunq libunukurinq fuhelAfawivA lOnunq libunuDisqpOsalq wofq poropaTI pqlAnqTq wenqDq wikuwipqmanqTq waSq libunu fawidAwehenihenq

9. 9. 9. 9. 9.muvawqzafunqnaSq hingA Karadu muvawqzafunqnaSq hingA Karadu muvawqzafunqnaSq hingA Karadu muvawqzafunqnaSq hingA Karadu muvawqzafunqnaSq hingA Karadu

musArahitqvarudinumaSq devunu bOnasqwehenihenq welavanqsqtawq

waharu nimunuwiru bEnqkugawi vazIfA wadAkuri muvawqzafunqge wadadakI 814 )4002: 823( weve.

01. 01. 01. 01. 01.WimArAtAwi wikqwipqmanqTAwi belehewqTumuge Karadu WimArAtAwi wikqwipqmanqTAwi belehewqTumuge Karadu WimArAtAwi wikqwipqmanqTAwi belehewqTumuge Karadu WimArAtAwi wikqwipqmanqTAwi belehewqTumuge Karadu WimArAtAwi wikqwipqmanqTAwi belehewqTumuge Karadu

balaSq kenDi )nOTq 42(kuwqyaSq hifumuge kanqtawq - WimArAtq )pqroparTI(kulidiwqlumAwi karanqTqwinqCUranqsqmarAmAtAwiii belehewqTunqwehenihenq

11. 11. 11. 11. 11.nulibEne wadi yagInqkanq kuDa lOnaSq hedi pqroviRanq nulibEne wadi yagInqkanq kuDa lOnaSq hedi pqroviRanq nulibEne wadi yagInqkanq kuDa lOnaSq hedi pqroviRanq nulibEne wadi yagInqkanq kuDa lOnaSq hedi pqroviRanq nulibEne wadi yagInqkanq kuDa lOnaSq hedi pqroviRanq

lOnuge gewqlumaSq hedi KAwqBa pqroviRanqlOnuge gewqlumaSq hedi wAnqmu pqroviRanq

2005

4,165,563

5,352,638

4,547

68,931

1,600,432

11,192,111

2005

18,327,156

5,633,611

16,492,930

40,453,697

2005

14,458,575

2,155,245

116,290

3,544,382

581,447

2,912,011

115,399

23,883,349

2005

34,001,968

20,657,351

54,659,319

2004

3,660,302

10,767,000

89,750

86,701

1,338,263

15,942,016

2004

16,297,823

4,837,668

13,727,781

34,863,272

2004

13,052,104

1,997,301

231,909

2,850,542

404,494

2,969,178

120,446

21,625,974

2004

35,772,047

6,295,747

42,067,794


72




2005

238,574,737

95,367,628

250,000

13,639,896

11,192,111

359,024,372

2005

215,614,867

451,370

6,605,547

8,271,276

7,631,677

238,574,737

59,324,022

4,154,503

36,746

63,515,271

175,059,466

2005

20,071,297

7,344,114

4,269,696

5,372,970

47,807,877

10,501,674

95,367,628

2005

250,000

2004

198,543,251

59,985,663

-

12,117,771

15,942,016

286,588,701

2004

178,335,062

-

6,564,820

7,562,084

6,081,285

198,543,251

50,833,355

4,517,284

5,298

55,355,937

143,187,314

2004

17,373,346

8,514,733

3,333,808

5,186,936

16,179,237

9,397,603

59,985,663

2004

-

4. 4. 4. 4. 4.jumqla wAmqdanI jumqla wAmqdanI jumqla wAmqdanI jumqla wAmqdanI jumqla wAmqdanI

winqTaresqTq wAmqdanIfIwAwi komiCanaSq libunuhiwqsAge fawidAviyafArIge wAmqdanI waSq libunu sAfu jumqlahinqgumunq libunu wehenq wAmqdanI

5. 5. 5. 5. 5.winqTaresqTq wAmqdanIge sAfu jumqla winqTaresqTq wAmqdanI winqTaresqTq wAmqdanIge sAfu jumqla winqTaresqTq wAmqdanI winqTaresqTq wAmqdanIge sAfu jumqla winqTaresqTq wAmqdanI winqTaresqTq wAmqdanIge sAfu jumqla winqTaresqTq wAmqdanI winqTaresqTq wAmqdanIge sAfu jumqla winqTaresqTq wAmqdanI

lOnuge gotugawi nagAfawivA fawisA waSqsekiyuriTIzqge gotugawi winqvesqTqkuriwemq. wemq. wE. ge seTqfikeTq wofq DipoziTaSqkurumuwqdatuge fawisA waSqwesawinqDq kepiTalq wAwi rizAvaSq

winqTaresqTq Karadu winqTaresqTq Karadu winqTaresqTq Karadu winqTaresqTq Karadu winqTaresqTq KaradukasqTamarunqge DipoziTaSqgenevifawivA fawisA waSqwehenihenq

winqTaresqTq wAmqdanIge sAfu jumqla

6. 6. 6. 6. 6.fI wAwi komiCanaSq libunu wAmqdanI fI wAwi komiCanaSq libunu wAmqdanI fI wAwi komiCanaSq libunu wAmqdanI fI wAwi komiCanaSq libunu wAmqdanI fI wAwi komiCanaSq libunu wAmqdanI

pE wODarge komiCanqgaranqTIge komiCanqDokiwumenqTarI kqreDiTqge kamiCanqbilq DisqkawunqTq koSqdinumuge kamiCanqkureDiTq kADu woparECanqwehenihenq

7. 7. 7. 7. 7.hiwqsAge behunu fawidAge wAmqdanI hiwqsAge behunu fawidAge wAmqdanI hiwqsAge behunu fawidAge wAmqdanI hiwqsAge behunu fawidAge wAmqdanI hiwqsAge behunu fawidAge wAmqdanI

viwqkAlevE gotaSq huri sekiyuriTIzq


73

bEnqku hinqgumuge wasAsakI tasawqrafu fudE fawisA mecqkurumAwi weseTAwi lawibiliTIzqge winqTaresqTaSq wanqna badalu konqTqrOlewqge terEgawi genqguLumeve. bEnqkutawqmidenqnevi gotaSq mecqkoSq hinqgumakI varaSq nAdirukameve. wewI muwAmalAtutawq tafAtuvefawi muwAmalAtu kurevEgotuge yagInqkanq netumunqneve. mecqnukoSq hinqgA hinqgumewqge fawidAboDuveweve. wekamaku gewqlunqvumuge risqkqvesq mativeweve.

weseTAwi lawibiliTIzq tasawqrafu fudumAwi gabUlukurevE wagewqgawi webadalukurumAwi winqTaresqTq libE lawibiliTIzq tasawqrafu fudE gotakI bEnqkugawi fawisA hurivaruvazanqkurevEne gotekeve. wadi wewI winqTaresqTq rETaSAwi wekqsqcEnqjq rETaSq huLuvifawivA minqvaruvesq wengEne gotekeve.

gerenqTIwAwi sqTEnqDqbawikoSq hunqna leTar wofq kqreDiTq wA guLigenq bEnunqvA fawisA hurumaSq lAzimqkurA wadadumadeve. wewI wegqrImenqTqge daSunq tinqvana farAtakunq fawisAnagAnekamaSq bEnqkunq nubalAtIweve. fawisAdEnq wewqbasqvefawi hunqna wadadakI kurimagugawi fawisA bEnunqvAne minqvarukamaSq nubeleweve. wewI mifada kitanqme wewqbasqvumewqfawisA negumA hamayaSq nugosq wuvAlevEtIweve. nUnI muwqdatu hamavAtIweve.




74




n. daranIge risqku n. daranIge risqku n. daranIge risqku n. daranIge risqku n. daranIge risqkubEnqkaSq kurimativA daranIge risqkakI darani negifarAtaSq wadAkuranqjehE muwqdatugawi darani wadAkurevEgotq nuvumeve.

daranIge risqkaSq huSaheLE huSaheLunq kuDakurumaSq darani nagAfawivA farAtqtakAwi darani nagA farAtqtakunq darani wadAkurumuge gAbiliwqyatu hurinetq gotq belumAwi winqTaresqTAwidaranqNaSq wadAkurevEne minqvarakaSq beleveweve. mikanqkamaSq belumaSqfahu daranidUkurevE wadadu madukureveweve. daranIge risqku kuDakurumaSq rahunubehewqTumaSq lAzimu kurumAwikunqfunqNAwi farudI fenqvaruge gerenqTI dinumaSq lAzimukurunq himeneweve.

r. winqTaresqTq rETuge risqku r. winqTaresqTq rETuge risqku r. winqTaresqTq rETuge risqku r. winqTaresqTq rETuge risqku r. winqTaresqTq rETuge risqkumAkeTq gawi winqTaresqTq rETaSq wanqna badaluge sababunq fawisA vanqna minqvaraSq wasarukurumuge risqku himeneweve. mifada badalutakunq winqTaresqTqge mArjinqwituruvAfadawinq winqTaresqTq daSqvumunq gewqlunqvunqvesq himeneweve.

menEjqmanqTqge farAtunq winqTaresqTq rETaSq wanqna badalutawq dirAsAkoSq genqnanqjehE badalutawq geneweve.

b. fawisA netumuge risqku b. fawisA netumuge risqku b. fawisA netumuge risqku b. fawisA netumuge risqku b. fawisA netumuge risqkubEnqkugawi hunqna fawisAge terewinq rEganDu rawqkAkuranq bahawqTA fawisA wAwi karanqTq wekawunqTAwi tasawqrafufudE DipoziTqtakugawi hunqna fawisA wAwi lOnaSq dUkurevEfawisAge gina wadadewq konqme duvahakuvesq naganq wAdeweve. wehenqme gerenqTIwAwi mArjinq wAwi wehenq gotqgotunq vesq fawisAwaSq bEnunqveweve. mibEnunqtakaSq fudEvaraSqbEnqkugawi fawisA bahawqTaweve. wewI tajuribAwinq wengEgotugawi, tasawqrafu fudE fanqDqsqge terewinq kuDa minqvarewq walunq winqvesqTq kurumaSq yagInqkamAweku lafAkoSqlevEtIweve.

menEjqmenqTunq wabaduvesq tasawqrafufudE fanqDqsqge terewinq fawisA naganq bEnunqvA farAtqtakunq nagA wadaduge mawqcaSq balaweve. wadi konqmehenq bEnunqvA farAAtqtakaSqfawisA dUkurumaSq kuDa minqvarakaSq bEnqkutakuge medugawi fawisA dUkurumuge fasEhakanq gAwimukoSqfawi hureweve. miwI lafAnukurevE wadadaSq fawisA naganq dimAvewqjenama wekanqhamajewqsumaSeve.

tasawqrafu fudEgotq vazanqkurunq tasawqrafu fudEgotq vazanqkurunq tasawqrafu fudEgotq vazanqkurunq tasawqrafu fudEgotq vazanqkurunq tasawqrafu fudEgotq vazanqkurunq

weseTqtawq weseTqtawq weseTqtawq weseTqtawq weseTqtawqkurumuwqdatugawi nagAne fawisAwemqwemqwE gawi huri bAkIbilqsq wofq wekqsqcEnqjqlOnAwi weDqvAnqsqwehenihenq weseTqweseTqge jumqla

lawibiliTIzq lawibiliTIzq lawibiliTIzq lawibiliTIzq lawibiliTIzqDipoziTqsqwanburAdawqkanq negi fawisAwehenihenq lawibiliTIzqlawibiliTIzqge jumqla

fawisA hurivaruge sAfu tafAtu fawisA hurivaruge sAfu tafAtu fawisA hurivaruge sAfu tafAtu fawisA hurivaruge sAfu tafAtu fawisA hurivaruge sAfu tafAtu

98,560,000

891,215,073

61,601,044

824,041,171

243,191,225

2,118,608,513

3,246,747,461

5,867,872

68,695,300

3,321,310,633

(1,202,702,120)

-

-

-

100,711,494

-

100,711,494

284,640,438

7,748,283

-

292,388,721

(191,677,227)

-

-

-

551,227,029

-

551,227,029

8,024,703

25,720,388

-

33,745,091

517,481,938

-

-

-

959,529,465

-

959,529,465

225,000

10,531,614

-

10,756,614

948,772,851

-

-

-

392,008,280

-

392,008,280

30,000

21,229,843

21,419,629

42,679,472

349,328,808

98,560,000

891,215,073

61,601,044

2,827,517,439

243,191,225

4,122,084,781

3,539,667,602

71,098,000

90,114,929

3,700,880,531

421,204,250

3 - 21 3 - 21 3 - 21 3 - 21 3 - 21masq masq masq masq masqrufiyA rufiyA rufiyA rufiyA rufiyA

1 - 3 1 - 3 1 - 3 1 - 3 1 - 3waharu waharu waharu waharu waharurufiyA rufiyA rufiyA rufiyA rufiyA

3 mahA 3 mahA 3 mahA 3 mahA 3 mahAhamawaSq hamawaSq hamawaSq hamawaSq hamawaSqrufiyA rufiyA rufiyA rufiyA rufiyA

3 - 5 3 - 5 3 - 5 3 - 5 3 - 5waharu waharu waharu waharu waharurufiyA rufiyA rufiyA rufiyA rufiyA

5 waharunq 5 waharunq 5 waharunq 5 waharunq 5 waharunqmati mati mati mati matirufiyA rufiyA rufiyA rufiyA rufiyA

jumqla jumqla jumqla jumqla jumqla

rufiyA rufiyA rufiyA rufiyA rufiyA

75




)hurihA wadadewq divehi rufiyA winq( belenqsq CITq gawivA wadadu belenqsq CITq gawivA wadadu belenqsq CITq gawivA wadadu belenqsq CITq gawivA wadadu belenqsq CITq gawivA wadadu risqku vewiTeDq wadadu risqku vewiTeDq wadadu risqku vewiTeDq wadadu risqku vewiTeDq wadadu risqku vewiTeDq wadadubelenqsq CITqge weseTq )pqroviRanA nulA sAfu jumqla( belenqsq CITqge weseTq )pqroviRanA nulA sAfu jumqla( belenqsq CITqge weseTq )pqroviRanA nulA sAfu jumqla( belenqsq CITqge weseTq )pqroviRanA nulA sAfu jumqla( belenqsq CITqge weseTq )pqroviRanA nulA sAfu jumqla( 5002 5002 5002 5002 50024002 4002 4002 4002 40025002 5002 5002 5002 50024002 4002 4002 4002 4002

140,622

2,889,118

75,184

29,545

16,425

3,150,894

138,791

398,787

145,126

682,704

400,813

1,853,930

75,983

26,763

11,425

2,368,914

67,651

211,757

132,496

411,904

28,124

2,889,118

75,184

29,545

16,425

3,038,396

138,791

199,394

29,025

367,210

3,405,606

80,163

1,853,930

75,983

26,763

11,425

2,048,264

67,651

105,879

26,499

200,029

2,248,293

wehenq bEnqkutakunq wanqnanq hurikasqTamarunqnaSq dUkoSqfawivA lOnuharumudAwehenihenq weseTqwehenihenq winqvesqTqmenqTq

belenqsqCITqgawi nuhimenE belenqsqCITqgawi nuhimenE belenqsqCITqgawi nuhimenE belenqsqCITqgawi nuhimenE belenqsqCITqgawi nuhimenElOnuge sIdA badalukurumuwqdatugawi bEnunqvAneviyafAriwA guLE konqTinqjenqsIsq

risqkq vewiTeDq weseTqge jumqla risqkq vewiTeDq weseTqge jumqla risqkq vewiTeDq weseTqge jumqla risqkq vewiTeDq weseTqge jumqla risqkq vewiTeDq weseTqge jumqla

rawusqmAluge rECiwO rawusqmAluge rECiwO rawusqmAluge rECiwO rawusqmAluge rECiwO rawusqmAluge rECiwO bEnqku % bEnqku % bEnqku % bEnqku % bEnqku % wemq.wemq.wE. % )weenqme kuDa( wemq.wemq.wE. % )weenqme kuDa( wemq.wemq.wE. % )weenqme kuDa( wemq.wemq.wE. % )weenqme kuDa( wemq.wemq.wE. % )weenqme kuDa( 5002 5002 5002 5002 5002 4002 4002 4002 4002 4002 5002 5002 5002 5002 5002 4002 4002 4002 4002 4002 5002 5002 5002 5002 5002 4002 4002 4002 4002 4002

Tayar 1 rawusqmAluTayar 1 + Tayar 2 rawusqmAlu

4%

8%

4%

8%

12.12

15.05

9.93

12.37

272,599

338,327

338,327

421,204

3. 3. 3. 3. 3.mAlI hatiyArutawq bEnunqkurunq mAlI hatiyArutawq bEnunqkurunq mAlI hatiyArutawq bEnunqkurunq mAlI hatiyArutawq bEnunqkurunq mAlI hatiyArutawq bEnunqkurunq

h. mAlI hatiyArutawq bEnunqkurevEgotq h. mAlI hatiyArutawq bEnunqkurevEgotq h. mAlI hatiyArutawq bEnunqkurevEgotq h. mAlI hatiyArutawq bEnunqkurevEgotq h. mAlI hatiyArutawq bEnunqkurevEgotqbEnqkuge mawiganDu harakAtqtakakI mAlI hatiyArutawq bEnunqkurevEgotaSq hinqgA harakAtqtakekeve. kasqTamarunq bEnqkugawi bahawqTA DipoziTakI kurinq kanDaweLifawivA winqTaresqTakaSqwekimuwqdataSq bahawqTA wewqcekeve. bEnqkunq mifawisA wevarejq winqTaresqTq mArjinaSq vure matI wAmqdanIwewq hOdaumaSq fenqvaru matI weseTaSq winqvesqTqkureweve. bEnqkunqmidenqnevi mArjinq witurukurumaSq kurumuwqdatuge fawisA wewqkoSq matI winqTaresqTq gawi digumuwqdatakaSq fawisA dUkureweve. migotaSq fawisA dUkurumugawi muwqdatu hamavegenqfawisA nagAfarAtqtakaSq dUkurevE varaSq fawisA bahawqTaweve.

bEnqkunq winqTaresqTq mArjinq matikurumuge bEnumugawi wevarejaSq vure matI mArjinqgawi pqroviRanqge sAfu jumqla waSq balawi viyafArIge wusUlunqnAwi rITewilqkoSqfarAtqfarAtaSq fawisAdUkureweve. mifada harakAtqtakugawi himenenI hamawekani belenqsqCITq lOnewq nUneve. mIgeterEgawi bEnqkunq dE gerenqTI wAwi wehenihenq komiTqmanqTqgeterEgawi himenE leeTarsq wofq kqreDiTAwi pArfOrmanqsq himeneweve.

S. rawusqmAlu fudEvaruvunq S. rawusqmAlu fudEvaruvunq S. rawusqmAlu fudEvaruvunq S. rawusqmAlu fudEvaruvunq S. rawusqmAlu fudEvaruvunqrawusqmAlu fudEvaruvEtO belumaSq bEnunqkuranI mOlqDiivqsq maniTarI wotOriTI) wemq. wemq.wE( winq hamajawqsavAfawivA minqganDutakeve. miminqganDunq rawusqmAlu fudEvaraSq) wemq. wemq. wE winq kanDawaLuwqvAfawivA gotunq maduvegenq 8 winqsawqta( huritObelumaSq bEnqkuge rawusqmAlAwi belenqsq CITqgawi bayAnqkoSqfawivA weseTqtakA waLAbalaweve. mIge wituraSq belenqsq CITq gawi nuhimenE komiTqmanqTqtakAwi mArkeTAwi risqkuge minqvaru denegatumaSq vewiTeDq wadadu takewq bEnunqkureveweve.

bEnqkuge rawusqmAlu fudE minqvarakI:

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d. d. d. d. d.dewqkunq fasqkurevifawivA wAmqdanI Tekqsq dewqkunq fasqkurevifawivA wAmqdanI Tekqsq dewqkunq fasqkurevifawivA wAmqdanI Tekqsq dewqkunq fasqkurevifawivA wAmqdanI Tekqsq dewqkunq fasqkurevifawivA wAmqdanI Tekqsqdewqkunq fasqkurevifawivA wAmqdanI Tekqsq bayAnqkurevenI sIdA wadadunq lawibiliTIge gotq bEnunqkoSqgenq weseTAwi lawibiliTIwaSq binAkurevE Tekqsqge wasAsunqe vagutItafAtu mAlI bayAnqtakugawi bayAnqkurumunqneve. dewqkunq fasqkurevE Tekqsqge minqvaru bayAnqkuranI miihAru wamalukurevE Tekqsq rETqbEnunqkoSqgenqneve.

pqropaTI, pqlAnqTq wAwi wikuwipqmenqTunq balaSq kenDumAwi lOnuge gewqlumaSq hadA pqroviRanqtawq wEge wasAsakaSq vegenq vagutI tafAtu wAdeweve.

t. t. t. t. t.gabUlukurunqtawq gabUlukurunqtawq gabUlukurunqtawq gabUlukurunqtawq gabUlukurunqtawqgabUlukurunqtakuge terEgawi himenenI kasqTamarunqge bilqtawq wadAkurumaSq bEnqkunq havAluvA havAluvunqtakeve. bEnqku wunqmIdukuranI bEnqkunq dawqkawidE bilqtakaSq wekuwekIgawikasqTamaruvesq fawisA dewqkumaSeve. gabUlukurunqtakuge muwAmalAtutawq belenqsq CITqgawi bayAnqnukoSq, wehAmakoSqfawivanI konqTijenqTq lawibiliTIzq wAwi komiTqmanqTqsqgeterEgaweve.

l. l. l. l. l.fiDiwuCarI harakAtqtawq fiDiwuCarI harakAtqtawq fiDiwuCarI harakAtqtawq fiDiwuCarI harakAtqtawq fiDiwuCarI harakAtqtawqwAnqmugotewqgawi bEnqku harakAtqterivanI wamAnAtqteriwewqge gotunqnAwi wehenihenq fiDiwuCarI harakAtqtawq hinqgawidE farAtewqge gotunq farudunqge farAtunq wemIhunqge weseTqtakAwivagufutakAwi riTayarmanqTq benefiTqge rEvunqtakAwi wehenihenq muwawqsasAtutawq balahawqTawidinumugaweve. miweseTqtakAwi miwaSq libE wAmqdanI wakI bEnqkuge milqkakaSq nuvAtImAlI bayAnqtakugawi himanAfawewqnuveweve.

g. g. g. g. g.wAmqdanI wAwi Karadu wAmqdanI wAwi Karadu wAmqdanI wAwi Karadu wAmqdanI wAwi Karadu wAmqdanI wAwi KaraduwinqTaresqTqge gotugawi libEwAmqdanIwAwi Karadu wAmqdanIge bayAnugawi fAhagakurumugawi winqTaresqTqlibE hurihA wewqcewq himanAfawivanI wewinq wenqme boDu nafawewq libEgotaSqgatqwagugawi winqTaresqTq wituruvAgotaSeve.

N. N. N. N. N.wAmqdanIfAhagakurunq wAmqdanIfAhagakurunq wAmqdanIfAhagakurunq wAmqdanIfAhagakurunq wAmqdanIfAhagakurunq

)h( kasqTamarunqge lOnaSq libE winqTaresqTq wAmqdanI )h( kasqTamarunqge lOnaSq libE winqTaresqTq wAmqdanI )h( kasqTamarunqge lOnaSq libE winqTaresqTq wAmqdanI )h( kasqTamarunqge lOnaSq libE winqTaresqTq wAmqdanI )h( kasqTamarunqge lOnaSq libE winqTaresqTq wAmqdanIkasqTamarunqnaSq dUkurevE lOnuge wisqTaresqTq balanI wituruvAgotaSeve. wekamaku lOnuwanburA libumAmedu Cawqku wufediwqjenama winqTaresqTq wAmqdanI waSqlunq huwqTeweve. mihenqhadanI wewqcewq nulibi 09duvahaSq vure wituruvumunqneve. mifada wAmqdanI libenqdenq winqTaresqTq wAmqdanI geterEgawi nuhimanaweve.

)S( komiCanAwi fIge wAmqdanI )S( komiCanAwi fIge wAmqdanI )S( komiCanAwi fIge wAmqdanI )S( komiCanAwi fIge wAmqdanI )S( komiCanAwi fIge wAmqdanImawiganDugotewqgawi komiCanAwi fIge terEgawi himenenI bEnqkunq kasqTamarunqnaSq dE gerenqTI wAwi KidumatqtakaSq kasqTamarunqge farAtunq libenqvA wewqcakAwirAwqjEnqbEraSAwi rAwqjEgawi dawqkawidE fawisAwaSq libE fIweve. mifada wewqceti balanI Kidumatq devifawivumAweku wAmqdanI ge gotugaweve.

bilqwofq wekqsqcEnqjq wenqDOrsqkoSqdIgenq libE wAmqdanI balanI bilqlibi we dUkoSq nuvata wenqDOzqkoSq wewaSq libenqvA wewqcewq libumunqneve.

)n( wufewqdunq terinUnq lOnunq wanburA libE bawi )n( wufewqdunq terinUnq lOnunq wanburA libE bawi )n( wufewqdunq terinUnq lOnunq wanburA libE bawi )n( wufewqdunq terinUnq lOnunq wanburA libE bawi )n( wufewqdunq terinUnq lOnunq wanburA libE bawiwufewqdunqteri nUnq lOnuge terewinq wanburAlibE wadadutawqbalanI fawisAge gotugawi libE wAmqdanIwewqge gotugaweve. mIge minqvarewqkamugawi balanI hadAfawivApqroviRanAwi wewqvarakaSeve.

s. s. s. s. s.waLawibelunq waLawibelunq waLawibelunq waLawibelunq waLawibelunqmiwaharuge hisAbutawq bayAnqkurumugawi waLawibelEwaharuge hisAbutakaSq konqmehenq genqnanqjehE badalutawq genevifawivAneweve.

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lOnewq wanburA nulibEnekamaSq belevumAweku, wekamaSq hadAfawivApqroviRanqwA waLawifoheleveweve. fohelAfawivA lOnewq fahunq wanburA libiewqjenama, wewinq libEwewqcewq vawqdanIwAmqdanI hisAbuge terewaSeve.

k. k. k. k. k.pqroparTI, pqlAnqTqwAwi wikqwipqmenqTq pqroparTI, pqlAnqTqwAwi wikqwipqmenqTq pqroparTI, pqlAnqTqwAwi wikqwipqmenqTq pqroparTI, pqlAnqTqwAwi wikqwipqmenqTq pqroparTI, pqlAnqTqwAwi wikqwipqmenqTqpqroparTI, pqlAnqTq wAwi wikqwipqmenqTq bayAnqkoSqfawivanI gatq wagunq balawigenq ”tedu rongu“ wusUlunqneve. tirIgawi bayAnqkoSqfawi wevanI wekibAvatuge weseTq wekaSIgenqvAgotewqgawibEnunqkurevEne muwqdateve.

bEnqkuge wimArAtqtawq02 waharukomqpiwuTar hArDqvewar wAwi sofqTqvewar3-5 waharufarunIcar wAwi wikqwipqmenqTq3-5 waharuwinqjInulI takewqcAwi wuLandu faharu5 waharu

kuwqyaSqhifAfawivA wimArAtqtawq balaSq kanDamunq genqdanI kuwqyaSq hifAfawivA muwqdatu nunimenIsq balaSq kanDawi nimEne muwqdatakaSq balawigenqneve.

balaSq kanDanq faSanI weweseTewqge bEnunq kuranqfaSA tArIKakunq feSigenqneve.

weseTewqge bayAnqkurevE wagu wewinq libEnekamaSq lafAkurA wagaSqvure mativewqjenama, vagutunq wewinq libEne wagu bayAnqkureweve.

balaSq kanDamunqdA weseTakaSq jehifawivA wadadu dimAvA hAdisAwewqge sababunq nuvata hAlataSq wanqna badalakunq nunukunqnAnekamaSq fenqnanama, wegewqlumewq vazanqkureveweve.weseTewqge wagu weweseTakunq nerevEnekamaSq lafAkurA wadadaSqvure boDunama, wewesaTakunq nerevEne wadaduge badalugawi weweseTqge wagu vagutunq liyelanIweve. nerevEne wagakIweseTqge hamawagunq viwqkumuge wagAwi bEnunqkurumuge wagu kenDumunq wonqna matI wadadeve.

w. w. w. w. w.kuwqyaSq dIfawivAdinunq kuwqyaSq dIfawivAdinunq kuwqyaSq dIfawivAdinunq kuwqyaSq dIfawivAdinunq kuwqyaSq dIfawivAdinunqweseTq kuwqyaSq dinumugawi wewinq libE gewqlunq nuvata fawidA wakI kuwqyaSq dEfarAtuge wewqcewqge gotugawi kuwqyaSq dinumuge terEgawi bayAnqkureveweve. kuwqyaSq dinumA guLigenqdawqkA fawisA kuwqyaSq dIfawivA muwqdatugeterEgawi ”tedurongu“ wusUlunq wAmqdanI bayAnugawi bayAnq kureveweve.

kuwqyaSq dIfawivA dinumewq kuwqyaSq dIfawivA muwqdatuge kurIgawi wuvAleviwqjenama, jurumanAge gotugawi kuwqyaSq dEfarAtaSq dawqkanqjehE fawisA wemuwqdatuge terEgawi bayAnqkuranIKaradewqge gotugaweve.

v. v. v. v. v.fawisA wAwi fawisAwA wewqfada taketi fawisA wAwi fawisAwA wewqfada taketi fawisA wAwi fawisAwA wewqfada taketi fawisA wAwi fawisAwA wewqfada taketi fawisA wAwi fawisAwA wewqfada taketifawisA wAwi fawisAwA wewqfada taketIge gotugawi fawisA libunugotAwi hEdavigotuge bayAnugawi bayAnqkoSqfawivanI we libunufahunq 09 duvahaSq vure kuru muwqdatewqge teregawitasawqrafufudE bAkItakeve. mIgeterEgawi wehenq bEnqkutakunq libenqjehE fawisA wAwi wadadutawq himeneweve.

m. m. m. m. m.pqroviRanqtawq pqroviRanqtawq pqroviRanqtawq pqroviRanqtawq pqroviRanqtawqpqroviRanewq fAhagakuranI bEnqkaSq QAnUnIgotunq nuvata wehenivesq gotewqgawi, bEnqkunq wigutisAdI fawidAwewqlibE vasIlatewqbEruvegenqdAwiru, wEge badalu dinumaSq lAzImqkurAtI,welAzimqkurAkurunq fUbewqdumaSq wekaSIgenqvA wanqdAsAwewq koSq weminqvarewq bayAnqkurumaSeve.

f. f. f. f. f.bayAnqkoSqfawivA minqvarewq hEdakurumuge pqlEnq bayAnqkoSqfawivA minqvarewq hEdakurumuge pqlEnq bayAnqkoSqfawivA minqvarewq hEdakurumuge pqlEnq bayAnqkoSqfawivA minqvarewq hEdakurumuge pqlEnq bayAnqkoSqfawivA minqvarewq hEdakurumuge pqlEnqbEnqkuge hurihA muvawqzafunqnakI bEnqkq wofq mOlqDivqsq plk ge pqroviDenqTq fanqDuge memqbarunqneve. mifanqDaSq konqme muvawqzafewqge masqduvahuge wasAsI musArawige01 winq sawqtabEnqkunq jamAkureweve.


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)n( )n( )n( )n( )n(viwqkAlevenq hunqna viwqkAlevenq hunqna viwqkAlevenq hunqna viwqkAlevenq hunqna viwqkAlevenq hunqnaviwqkAlevenq hunqna winqvesqmanqTqtakakI kanDaweLE vaki muwqdatewqnetq gotugawi bahawqTAfawi hurumaSqfahu, bEnunqjehEgotakunq viwqkAlevenq hunqna winqvesqTqmanqTqtakeve.migotunq viwqkAlevEnI fawisA waSqbEnunqvumunq, nuvata winqTaresqTq rETaSq badalu wawumunq nuvata bErufawisA mArukurevE rETqtakaSq badalu wawunq nuvata wikuwiTIge wagutafAtuvunq fada bEnumakA guLigenqneve.

tasawqrafu fudenqdenq bahawqTAfawivA weseTAwi viwqkAlevenq hunqna weseTewq gane nuvata viwqkawi hadawifinama wekanq fAhagakuranI wemuWAmalAtewq hingitArIKu gaweve. wewIweweseTewq ganqnanq nuvata viwqkAlumaSq bEnqkunq ninqmA tArIKeve. lOnewq fAhagakuranI lOnunagA farAtaSq fawisA dUkurumunqneve. mAlI weseTqtawqfuratama fAhagakurevenI wEgewagAwi muWAmalAtukurumuge wagu himanawigenqneve. mAlI weseTewq wagukurevenI wEge fawidAwAwi gewqlumaSq beligenq hamawagugawewq nUneve. mAlI weseTakunq libenqhamajehifawivA fawisA libumuge muwqdatuhamavumunq nuvata bEnqkunq weweseTakunq libEne gewqlumAwi fawidAge milqkuverikanq badalukurumunq weweseTq fAhagakurunqwehisAbunq nimEneweve.

viwqkAlevenq hunqna mAlI weseTqtawq wagukurevigenqdanI hamawagugaweve. viwqkAlevenq hunqna mAlI weseTakA guLigenq libE fawidAwAwi gewqlunq sIdA wikuwiTIgawifAhagakureveweve. wewI weweseTewq fAhagakurunq huwqTAlanqdenq nuvata nawqtAlevenqdenqneve. mihisAbunq weseTAguLigenq kurinq wikuwiTIgawi himanAfawivA jumqlafawidA nuvata gewqlunq fawidAwewq nuvata gewqlumewqge gotugawi fAhagakurevEneweve. viwqkAlevenq hunqna bawigeterewinq hiwqsAdArunqnaSq bahanqjehEbawi wAmqdanIge bayAnugawiwewaSq fawisA libEnekanq kanDawaLA hisAbunq fAhagakureveweve.

winqvesqTqmanqTuge hama wagu binAvanI bIlamaSq huSaheLifawivA wagunq nuvata fawisA vanqnAne mAdirItakunqneve. sekiwuriTIge terEgawilisqTqkurevifawinuvA wikuwiTIgehama wagu wanqdAsAkurevenI jehE wagu/ libEvaru nuvata wagu/ vanqna fawisAge rECiwOwaSq balawi KAwqBakoSq dUkurA farAtuge hAlataSq balawigenqneve. sekiwuriTIgeterEgawi himenifawivA wikuwiTIge hamawagu barAbaraSq vazanqkuranq dativewqjenama, wefAhagakurAnI wagunq halAku kenDumaSqfahu wonqna wewqcakaSq balawigenqneve. viwqkAlevenqhunqna bawigawi himanAfawivA sekiwuriTIwaSq libunufawidAwAwi gewqlumuge gotugawi himanAfawiveweve.

b. b. b. b. b.komqpiwuTar sofqTqvewar tawqyArukurumuge wagu komqpiwuTar sofqTqvewar tawqyArukurumuge wagu komqpiwuTar sofqTqvewar tawqyArukurumuge wagu komqpiwuTar sofqTqvewar tawqyArukurumuge wagu komqpiwuTar sofqTqvewar tawqyArukurumuge wagu

wAnqmugotewqgawi komqpiwuTar sofqTqvewar pqrogqrAmqtawq tawqyArukurumaSq hEdaavAwewqcewq, wehEdavA wiru bayAnqkurevenI Karadewqge gotugaweve. komqpiwuTar sofqTqvewarpqrogqrAmqtakuge wasqlu sqpesifikECanq wAwi bayAnqkoSqfawivA wumuraSq vure wituraSq bEnunqkurevE hAlatutakugawi wewaSq hingAfawivA KaradubelevenI rawusqmAlaSq libEkuriwerumewqge gotugawi wasqluwagaSq witurukurevE wewqcewqgegotugaweve. komqpiwuTar sofqTqvewar tawqyArukurumaSq hingA Karadu weseTewqge gotugawi balawi tedu rongu wusUlubEnunqkoSqgenq webEnunqkurevE wumuruge terEgawi balanq kanDawileveweve.

L. L. L. L. L.lOnAwi lOnuge gewqlumaSq hedE pqroviRanq lOnAwi lOnuge gewqlumaSq hedE pqroviRanq lOnAwi lOnuge gewqlumaSq hedE pqroviRanq lOnAwi lOnuge gewqlumaSq hedE pqroviRanq lOnAwi lOnuge gewqlumaSq hedE pqroviRanq

konqme lOnewqvesq welOnewq nagAfarAtAwi fawisA havAlukurevE vagutu lOnewqge gotugawi fAhagakureveweve.

lOnewq wanburA libumA medu Cawqku wufedE wiraSq wEge gewqlunq menEjqmanqTunq wanqdAsAkoSq wewaSq KAwqBa pqroviRanewq hadaweve.lOnunq libidAne gewqlumaSq bawiwaLanI lOnq nagAfawivA kasqTamarAmedu medukeDumewqneti belumaSqfahu, lOnuge wumuraSq balawigenq bawikurumaSqq mOlqDivqsq maniTarI wotOriTIwinqkanDawaLuwqvAfawivA wanqnanivi minqganDunqneve.

lOnq wanburA nudawqkAwotqmuwqdatu lOnq wanburA nudawqkAwotqmuwqdatu lOnq wanburA nudawqkAwotqmuwqdatu lOnq wanburA nudawqkAwotqmuwqdatu lOnq wanburA nudawqkAwotqmuwqdatukankankankankanDaweLibawi DaweLibawi DaweLibawi DaweLibawi DaweLibawibahawqTA minqvaru bahawqTA minqvaru bahawqTA minqvaru bahawqTA minqvaru bahawqTA minqvaru3-6 masqKAwqBakoSqbayAnqkurA%56 mahaSqvure wituru wadi 21 mahA hamawaSqwAdawige waSqvure daSq%01- %0221 mahaSqvure wituru wadi 42 mahA hamawaSqyagInqkanq netq%53-%0542 mahaSqvure witurugewqlunq%001

lOnunq libE gewqlunq fUbewqdumaSq belenqsq CITqge tArIKugawi wAnqmu pqroviRanewq hadAfawi viyasq, we KAwqBagotewqgawi bayAnqkoSqfawewq nuveweve.

79



1. 1. 1. 1. 1.wAnqmu maWulUmAtu wAnqmu maWulUmAtu wAnqmu maWulUmAtu wAnqmu maWulUmAtu wAnqmu maWulUmAtu

bEnqkq wofq mOlqDivqsq plk ge mawiganDu harakAtqtakuge terEgawi himenenI viyafAri bEnqkutakunq kurA viyafArikurumAwi, wehenihenq fawisAge Kidumatqtawq kamugawivAviyafArikuranq fawisAdinumAwi, fawisA rawqkAkoSqdinumAwi, tarawqgIge kanqkamaSqfawisA dinumeve.

miwI divehirAwqjEgawi rajisqTqrIkoSqgenq hinqgamunqdA limiTeDq lawibiliTI kunqfunqNeekeve. rajisqTqrI weDqrehakI 11, boDutakurufAnu magu, mAle, 49002 divehirAwqjeweve.

mibEnqkakI rAwqjEge hiwqsAge bAzArugawi lisqTqkurevifawivA kunqfunqNewqmeweve.

2. 2. 2. 2. 2.hisAbu belehewqTumuge mawigan hisAbu belehewqTumuge mawigan hisAbu belehewqTumuge mawigan hisAbu belehewqTumuge mawigan hisAbu belehewqTumuge mawiganDu siyAsatutakuge KulABA Du siyAsatutakuge KulABA Du siyAsatutakuge KulABA Du siyAsatutakuge KulABA Du siyAsatutakuge KulABA

mAlI bayAnqtawq tawqyArukurumugawi bEnunqkoSqfawivA hisAbu belehewqTumuge mawiganDu siyAsatutawq tirIgawi bayAnqkoSqfawiwevanIweve. hurihA waharewqge hisAbutawq bayAnqkurumugawimisiyAsatutawq wewqgotakaSq bEnunqkurevifawiveweve. wenUnq tafAtugotakaSq bEnunqkurevifawivAnama, wekanq bayAnqkoSqfawivAneweve.

h. h. h. h. h.huSahaLAfawivA gotq huSahaLAfawivA gotq huSahaLAfawivA gotq huSahaLAfawivA gotq huSahaLAfawivA gotqmAlI bayAnqtawq tawqyArukoSqfawivanI mAlI hisAbutawq bayAnqkurumuge bawinalqwaQqvAmI hamatakAwi minqganDutakA wewqgotaSeve. mAlIbayAnqtawq tawqyArukurumugawi wagutawqbayAnqkoSqfawivanI”hisqTorikalq kosqTq konqvenqCanq“ wA wewqgotqvAgotunq muWAmalAtewq hingi wiruge wagu bayAnqkurA wusUlunqneve. migotunq weseTq wAwi lawibiliTIzq wAwirawusqmAluge wagu bayAnqkoSqfawivanI wewewqcewq hOdiwiruge wagugaweve.

S. S. S. S. S.bEru fawisA badalukurunq bEru fawisA badalukurunq bEru fawisA badalukurunq bEru fawisA badalukurunq bEru fawisA badalukurunqbErufawisAge muWAmalAtqtawq hisAbukoSqfawivanI wemuWAmalAtewq hingi tArIKuge wekqsqcEnqjq rETqgaweve. bErufawisA badalu kurumuge fawidA nuvata gewqlumAwi bErufawisAwinqhuri weseTqwAwi lawibiliTIzq wAmqdanIge bayAnugawi bayAnqkoSqfawivAneweve. mifada bAkItawq bayAnqkoSqfawivanI waharu nimE tArIKuge wekqsqcEnqjq rETqge medu wagugaweve. minUnqgotakaSq wagukoSqfawivAnI kuriwaSq wewqbasqvefawivA wewqbasqvunq takugaweve.

n. n. n. n. n.mAlI winqsqTqrumenqTqtawq lawijewqsunq mAlI winqsqTqrumenqTqtawq lawijewqsunq mAlI winqsqTqrumenqTqtawq lawijewqsunq mAlI winqsqTqrumenqTqtawq lawijewqsunq mAlI winqsqTqrumenqTqtawq lawijewqsunqmAlI weseTqtakAwi lawibiliTIzqtawq belenqsq CITaSq vewqdumugawi huwqdalibigenqvA hAlatutakugawi wekatiwanekawqcaSq lawijawqsawi wunikurevifawivAneweve. nuvata bayAnqkoSqfawivAnIwEge sAfu bAkI weve. wehenqnUnqnama wekuwekIgawi weseTq libigane lawibiliTI wadAkoSqfawivAneweve.

r. r. r. r. r.mAlI weseTqtawq mAlI weseTqtawq mAlI weseTqtawq mAlI weseTqtawq mAlI weseTqtawqbEnqkunq mAlI weseeTqtawq bawibayaSq waLAfawivanI wanqnanivigotaSeve:- lOnAwi libenq huri ; tasawqrafu fudenqdenq bahawqTAfawi hunqna winqvesqTqmanqTqtawq; wadi viwqkAlevenqhunqna mAlI weseTqtawq. winqvesqTqmanqTutakuge bawi menEjqmanqTunq kanDawaLanI wewinqvesqTqmanqTewq furatama fAhagakurA vagutugaweve.

)h( )h( )h( )h( )h(lOnAwi libenqhuri lOnAwi libenqhuri lOnAwi libenqhuri lOnAwi libenqhuri lOnAwi libenqhurilOnAwi libenqhuri fawisAwakI wemAlI weseTq harakAtqteri mAkeTewqgawi bayAnqnukoSq hunqna hurumugawi kanDaweLibayAnqkurevifawivA minqvarakaSq nuvata kanDaweLEminqvarakaSq wanburA fawisA dawqkanqjehE gotaSq hunqna mAlI weseTekeve. migotaSq hamajehenI daraniveriyakaSq bEnqkunq dUkurA fawisAwakunq, mudalakunq nuvata KidumatakAguLigenq viyafArikurumaSq gasqtukurumakA nulA wanburAlibEgotaSq fawisAdUkurumunqneve.

)S( )S( )S( )S( )S(tasawqrafu fudenqdenq bahawqTA tasawqrafu fudenqdenq bahawqTA tasawqrafu fudenqdenq bahawqTA tasawqrafu fudenqdenq bahawqTA tasawqrafu fudenqdenq bahawqTAtasawqrafu fudenqdenq bahawqTA winqvesqTqmanqTqtakakI wemAlI weseTq harakAtqteri mAkeTewqgawi bayAnqnukoSq hunqna hurumugawi kanDaweLibayAnq kurevifawivAminqvarakaSq nuvata kanDaweLE minqvarakaSq wanburA fawisA dawqkanqjehE gotaSq hunqna mAlI weseTeve. migotaSq hamajehenI daraniveriyakaSq bEnqkunq dUkurA fawisAwakunq,mudalakunq nuvata KidumatakA guLigenq viyafArikurumaSq gasqtukurumakAnulA wanburAlibEgotaSq fawisAdUkurumunqneve.


80

fawisA libunugotAwi fawisA libunugotAwi fawisA libunugotAwi fawisA libunugotAwi fawisA libunugotAwi

hEdavIgotuge bayAnq hEdavIgotuge bayAnq hEdavIgotuge bayAnq hEdavIgotuge bayAnq hEdavIgotuge bayAnq


miwAweku safuhA 97 winq safuhA 06 waSq himenifawivA mAlI bayAnqtakA guLE nOTqtakakI mAlIbayAnqtakuge bawekeve.

13 Disemqbar gawi nimunu waharu 13 Disemqbar gawi nimunu waharu 13 Disemqbar gawi nimunu waharu 13 Disemqbar gawi nimunu waharu 13 Disemqbar gawi nimunu waharu)hurihA wadadewq divehi rufiyA winq( nOTq 5002 nOTq 5002 nOTq 5002 nOTq 5002 nOTq 5002 4002 4002 4002 4002 4002

hinqgi harakAtqtakunq dawuruvi fawisA hinqgi harakAtqtakunq dawuruvi fawisA hinqgi harakAtqtakunq dawuruvi fawisA hinqgi harakAtqtakunq dawuruvi fawisA hinqgi harakAtqtakunq dawuruvi fawisAwinqTaresqTaSq libunufIwAwi komiCanaSq libunuhiwqsA gefawidAge wAmqdanIviyafArIge sAfu wAmqdanIhinqgumunq libunu wehenihenq wAmqdanIwinqTaresqTaSq devunumuvawqzafunqnaSq devunu fawisA wAwi wehenihenq Karaduhinqgumuge weseTqtakAwi lawibiliTIzqtakaSq badalutawqwawumuge kurinq hinqgi harakAtqtakunq dawuruvi fawisA

hinqgumunq weseTaSAwi lawibiliTIzaSq wawibadalu: hinqgumunq weseTaSAwi lawibiliTIzaSq wawibadalu: hinqgumunq weseTaSAwi lawibiliTIzaSq wawibadalu: hinqgumunq weseTaSAwi lawibiliTIzaSq wawibadalu: hinqgumunq weseTaSAwi lawibiliTIzaSq wawibadalu:wemq wemq wE gawi huri rizAvq wituruviwemq wemq wEgawi huri wesawinqDq kepiTalq DipoziTq maduvikasqTamarunqnaSq dUkurevunu lOnu wituruviwehenihenq weseTq )wituruvi(/maduvikasqTamarunqnaSq dEnqhuri fawisA wituruviwehenihenq lawibiliTIzq wituruviTekqsqge kurinq hinqgi harakAtqtakunq dawuruvifawisAge sAfu jumqla

Tekqsqge gotugawi dewqki

hinqgi harakAtqtakunq vatq fawisAge sAfu jumqla

winqvesqTqkurumuge harakAtqtakunq dawuruvi fawisA winqvesqTqkurumuge harakAtqtakunq dawuruvi fawisA winqvesqTqkurumuge harakAtqtakunq dawuruvi fawisA winqvesqTqkurumuge harakAtqtakunq dawuruvi fawisA winqvesqTqkurumuge harakAtqtakunq dawuruvi fawisApqroparTI, pqlAnqTAwi wikqwipqmenqTq ganegenqpqroparTI, pqlAnqTAwi wikqwipqmenqTq viwqkawigenqbonqDu gawi winqvesqTq kuri

winqvesqTq kurumuge harakAtunq vatq fawisAge sAfujumqla

mAlI harakAtqtakunqq dawuruvi fawisA mAlI harakAtqtakunqq dawuruvi fawisA mAlI harakAtqtakunqq dawuruvi fawisA mAlI harakAtqtakunqq dawuruvi fawisA mAlI harakAtqtakunqq dawuruvi fawisAwanburAdawqkanq negifawisA gegotugawi libunuwanburAdawqkanq negifawisA dewqkunuhiwqsAge fawidA waSq devunumAlI harakAtqtakugawi bEnunqkurevunu fawisAge sAfu jumqla

fawisAwAwi fawisAwAwi wewqgotq taketi wituruvumuge sAfu jumqlaa fawisAwAwi fawisAwAwi wewqgotq taketi wituruvumuge sAfu jumqlaa fawisAwAwi fawisAwAwi wewqgotq taketi wituruvumuge sAfu jumqlaa fawisAwAwi fawisAwAwi wewqgotq taketi wituruvumuge sAfu jumqlaa fawisAwAwi fawisAwAwi wewqgotq taketi wituruvumuge sAfu jumqlaawaharu feSunuwiru fawisAwAwi fawisAwA wewqgotq taketi huriwaharu nimunuwiru fawisAwAwi fawisAwA wewqgotq taketi huri waharu nimunuwiru fawisAwAwi fawisAwA wewqgotq taketi huri waharu nimunuwiru fawisAwAwi fawisAwA wewqgotq taketi huri waharu nimunuwiru fawisAwAwi fawisAwA wewqgotq taketi huri waharu nimunuwiru fawisAwAwi fawisAwA wewqgotq taketi huri

34

24

18

238,574,737

95,367,628

250,000

13,639,896

11,192,111

(63,515,271)

(99,490,075)

196,019,026

(100,980,624)

-

(1,089,847,702)

(6,914,703)

763,477,515

9,174,117

(229,072,371)

(25,014,493)

(254,086,864)

(13,728,556)

137,867

(5,000,000)

(18,590,689)

-

(17,989,943)

(11,488,695)

(29,478,638)

(302,156,191)

522,752,707

220,596,516

198,543,251

59,985,663

-

12,117,771

15,942,016

(55,355,937)

(101,726,759)

129,506,005

(171,736,105)

3,258,000

(821,087,347)

494,912

842,920,666

16,713,481

69,612

(9,862,406)

(9,792,794)

(17,109,777)

112,125

(5,000,000)

(21,997,652)

34,459,865

(13,547,533)

(11,500,420)

9,411,912

(22,378,534)

545,131,241

522,752,707

81

wikuwiTI waSq wikuwiTI waSq wikuwiTI waSq wikuwiTI waSq wikuwiTI waSq

wawi badalu wawi badalu wawi badalu wawi badalu wawi badalu

10 jenuwarI 4002 ge bAkI 10 jenuwarI 4002 ge bAkI 10 jenuwarI 4002 ge bAkI 10 jenuwarI 4002 ge bAkI 10 jenuwarI 4002 ge bAkI

waharuge sAfufawidA

3002 waharuge hiwqsA ge fawidA

13 Disemqbar 4002 ge bAkI 13 Disemqbar 4002 ge bAkI 13 Disemqbar 4002 ge bAkI 13 Disemqbar 4002 ge bAkI 13 Disemqbar 4002 ge bAkI

10 jenuwarI 5002 ge bAkI 10 jenuwarI 5002 ge bAkI 10 jenuwarI 5002 ge bAkI 10 jenuwarI 5002 ge bAkI 10 jenuwarI 5002 ge bAkI

waharuge sAfufawidA

4002 waharuge hiwqsA ge fawidA

13 Disemqbar 5002 ge bAkI 13 Disemqbar 5002 ge bAkI 13 Disemqbar 5002 ge bAkI 13 Disemqbar 5002 ge bAkI 13 Disemqbar 5002 ge bAkI


14

14

11,270,040

-

-

11,270,040

11,270,040

-

-

11,270,040

36,516,000

-

-

36,516,000

36,516,000

-

-

36,516,000

272,599,098

76,682,943

(10,954,800)

338,327,241

338,327,241

94,440,409

(11,563,400)

421,204,250

224,813,058

76,682,943

(10,954,800)

290,541,201

290,541,201

94,440,409

(11,563,400)

373,418,210

)hurihA wadadewq divehi rufiyA winq(jumqla jumqla jumqla jumqla jumqla QAnUnI rizAvq QAnUnI rizAvq QAnUnI rizAvq QAnUnI rizAvq QAnUnI rizAvq hiwqsAge mUnumatI hiwqsAge mUnumatI hiwqsAge mUnumatI hiwqsAge mUnumatI hiwqsAge mUnumatIwagaSqvure wituru wagaSqvure wituru wagaSqvure wituru wagaSqvure wituru wagaSqvure wituru

nOTq nOTq nOTq nOTq nOTqhiwqsAge hiwqsAge hiwqsAge hiwqsAge hiwqsAgerawusqmAlq rawusqmAlq rawusqmAlq rawusqmAlq rawusqmAlq


82

belenqsq belenqsq belenqsq belenqsq belenqsq

CITq CITq CITq CITq CITq


16

17

19

20

23

24

25

26

27

29

28

30

30

31

32

220,596,516

891,215,073

61,601,044

2,827,517,439

16,425,000

75,184,469

29,545,240

4,122,084,781

3,539,667,602

71,098,000

2,180,851

52,107,681

30,514,598

4,670,574

641,225

3,700,880,531

36,516,000

11,270,040

373,418,210

421,204,250

4,122,084,781

682,703,654

472,835,206

840,151,950

32,763,935

1,821,166,165

11,425,000

75,983,424

26,763,474

3,281,089,154

2,776,190,087

89,087,943

2,377,552

45,820,283

25,014,493

3,705,035

566,520

2,942,761,913

36,516,000

11,270,040

290,541,201

338,327,241

3,281,089,154

411,903,991

weseTqsq weseTqsq weseTqsq weseTqsq weseTqsqnagudu fawisAwAwi kurumuwqdatugawi libenqhurimOlqDivqsq maniTarI wotOriTI gawi huribilq wofq wekqsqcEnqjqlOnAwi weDqvAnqsqwinqvesqTqmenqTqpqroparTI, pqlAnqTq wAwi wikqwipqmenqTqwehenihenq weseTqweseTqge jumqla weseTqge jumqla weseTqge jumqla weseTqge jumqla weseTqge jumqla

lawibiliTIzq lawibiliTIzq lawibiliTIzq lawibiliTIzq lawibiliTIzqbEnqku nUnq kasqTamarunq DipoziTq koSqfawi huriwanburA dawqkanq negi fawisAdawqkanqhuri bilAwi gabUlukurunqtakAwi wehenihenq liyunqtakunq fenqna daraniwehenihenq lawibiliTIzqmihAruge Tekqsqdewqkunq fasqkoSqfawivA TekqsqhiwqsAdArunqnaSq dEnqjehE hiwqsAge fawidAlawibiliTIzqge jumqla lawibiliTIzqge jumqla lawibiliTIzqge jumqla lawibiliTIzqge jumqla lawibiliTIzqge jumqla

hiwqsAdArunqge wikuwiTI hiwqsAdArunqge wikuwiTI hiwqsAdArunqge wikuwiTI hiwqsAdArunqge wikuwiTI hiwqsAdArunqge wikuwiTIhiwqsAge rawusqmAluhiwqsAge mUnumatIge wagaSqvure wituraSq huririzAvqhiwqsAdArunqge wikuwiTI ge jumqla hiwqsAdArunqge wikuwiTI ge jumqla hiwqsAdArunqge wikuwiTI ge jumqla hiwqsAdArunqge wikuwiTI ge jumqla hiwqsAdArunqge wikuwiTI ge jumqla

lawibiliTIzq wAwi hiwqsAdArunqge wikuwiTIge jumqla lawibiliTIzq wAwi hiwqsAdArunqge wikuwiTIge jumqla lawibiliTIzq wAwi hiwqsAdArunqge wikuwiTIge jumqla lawibiliTIzq wAwi hiwqsAdArunqge wikuwiTIge jumqla lawibiliTIzq wAwi hiwqsAdArunqge wikuwiTIge jumqlaq

komiTqmenqTqtakAwi konqTinqjenqsIzq

13 Disemqbar 13 Disemqbar 13 Disemqbar 13 Disemqbar 13 Disemqbar)hurihA wadadewq divehi rufiyA winq( nOTq 5002 nOTq 5002 nOTq 5002 nOTq 5002 nOTq 5002 4002 4002 4002 4002 4002

mAlI bayAnqtawq 11 wEpqrilq 6002 gawi bODunq fAsqkurawqvawi bODuge farAtunq wEgawi sowikurawqvAfawivanI:

Wabqdulq HamIdu muHanqmadu fAYimatu CIrInq wabuduF serInq hO wowi kuwenqcewarmanq wadi menEjinqg DirekqTar DirekqTar jeneralq menEjar wadi cIfq wegqzekqTivq wofisar


83miwAweku safuhA 97 winq safuhA 06 waSq himenifawivA mAlI bayAnqtakA guLE nOTqtakakI mAlIbayAnqtakuge bawekeve.

4

5

5

5

6

7

8

9

10

11

12

13

15

359,024,372

238,574,737

(63,515,271)

175,059,466

95,367,628

250,000

13,639,896

11,192,111

295,509,101

(40,453,697)

(23,883,349)

(54,659,319)

(50,592,190)

125,920,546

(31,480,137)

94,440,409

775.88

286,588,701

198,543,251

(55,355,937)

143,187,314

59,985,663

-

12,117,771

15,942,016

231,232,764

(34,863,272)

(21,625,974)

(42,067,794)

(29,909,167)

102,766,557

(26,083,614)

76,682,943

629.99

13 Disemqbar gawi nimunu waharu 13 Disemqbar gawi nimunu waharu 13 Disemqbar gawi nimunu waharu 13 Disemqbar gawi nimunu waharu 13 Disemqbar gawi nimunu waharu

jumqla wAmqdanI jumqla wAmqdanI jumqla wAmqdanI jumqla wAmqdanI jumqla wAmqdanI

winqTaresqTqge gotugawi libunu

winqTaresqTqge gotugawi hEdavi

winqTaresqTaSq libunu sAfu wAmqdanI winqTaresqTaSq libunu sAfu wAmqdanI winqTaresqTaSq libunu sAfu wAmqdanI winqTaresqTaSq libunu sAfu wAmqdanI winqTaresqTaSq libunu sAfu wAmqdanI

fI wAwi komiCanaSq libunu wAmqdanI

hiwqsAge fawidA waSq libunu wAmqdanI

bErufawisAge viyafAriwAwi muwAmalAtutakunq libunu sAfu wAmqdanI

hinqgumunq libunu wehenihenq wAmqdanI

hinqgumunq libunu wAmqdanI hinqgumunq libunu wAmqdanI hinqgumunq libunu wAmqdanI hinqgumunq libunu wAmqdanI hinqgumunq libunu wAmqdanI

kankankankankanDanq: Danq: Danq: Danq: Danq:hinqgumuge Karadutawq hinqgumuge Karadutawq hinqgumuge Karadutawq hinqgumuge Karadutawq hinqgumuge Karadutawq

muvawqzafunqnaSq hingi Karadutawq

WimArAtAwi wikqwipqmenqTaSq hingi Karadutawq

lOnuge gewqlumAwi wewAguLEgotunq behewqTifawi huri

hinqgumAbehE wehenihenq Karadutawq

Tekqsq negumuge kurinq fawidA Tekqsq negumuge kurinq fawidA Tekqsq negumuge kurinq fawidA Tekqsq negumuge kurinq fawidA Tekqsq negumuge kurinq fawidA

fawidAge Tekqsq

waharuge sAfu fawidA waharuge sAfu fawidA waharuge sAfu fawidA waharuge sAfu fawidA waharuge sAfu fawidA

hiwqsAwakaSq jehunu fawidA - wasAsI

)hurihA wadadewq divehi rufiyA winq( nOTq 5002 nOTq 5002 nOTq 5002 nOTq 5002 nOTq 5002 4002 4002 4002 4002 4002

wAmqdanIge wAmqdanIge wAmqdanIge wAmqdanIge wAmqdanIge

bayAnq bayAnq bayAnq bayAnq bayAnq


84 bEnqkq wofq mOlqDivqsq plk - waharI ripOTq 5002

woDiTarunq ge woDiTarunq ge woDiTarunq ge woDiTarunq ge woDiTarunq ge

ripOTq ripOTq ripOTq ripOTq ripOTq

bEnqkq wofq mOlqDivqsq plk ge hiwqsAdArunqnaSq woDiTarunq huSahaLA ripOrTq bEnqkq wofq mOlqDivqsq plk ge hiwqsAdArunqnaSq woDiTarunq huSahaLA ripOrTq bEnqkq wofq mOlqDivqsq plk ge hiwqsAdArunqnaSq woDiTarunq huSahaLA ripOrTq bEnqkq wofq mOlqDivqsq plk ge hiwqsAdArunqnaSq woDiTarunq huSahaLA ripOrTq bEnqkq wofq mOlqDivqsq plk ge hiwqsAdArunqnaSq woDiTarunq huSahaLA ripOrTq

1bEnqkq wofq mOlqDivqsq plk ge 13 Disemqbar 5002 ge belenqsq CITAwi weduvahu nimunuwaharuge wAmqdanI bayAnAwi wikuwiTI waSq wawi badalAwi fawisAlibunugotAwi hEdavigotuge hisAbAwi hisAbukurumuge siyAsatAwi mAlI bayAnqtakA guLE nOTqtakAwiweku )safuhA 38 winq 06 waSq( balawifImeve.

DirekqTarunqnAwi woDiTarunqge masqwUliwqyatu DirekqTarunqnAwi woDiTarunqge masqwUliwqyatu DirekqTarunqnAwi woDiTarunqge masqwUliwqyatu DirekqTarunqnAwi woDiTarunqge masqwUliwqyatu DirekqTarunqnAwi woDiTarunqge masqwUliwqyatu

2safqhA 38 winq 06 waSq himenifawivA mAlI bayAnqtawq tawqyArukoSq huSaheLumakI kunqfunIge DirekqTarunqge masqwUliwqyatekeve. waLuganDumenqge masqwUliwqyatakImidenqnevi mAlI bayAnqtawq wODiTqkurumaSqfahu waLuganDumenqnaSq fenqna wewqcewq bunumeve.

ninqmunq binAkurigotq ninqmunq binAkurigotq ninqmunq binAkurigotq ninqmunq binAkurigotq ninqmunq binAkurigotq

3waLuganDumenq wODiTqkurI bawinalq waQqvAmI gotunq wODiTqkurumuge hamatakAwi minqganDutakA wewqgotqvAgotuge matinqneve. midenqnevi minqganDutakuge daSunq waLugaDumenqwODiTqkurumuge masawqkatq rAvawi tanqfIzukurumugawi bEnqku ge mAlI hisAbu takAbehE bayAnq takugawi woLuvAlumewq nuvAkamaSq yagInqkamAwiweku bunevEvaraSq maWulUmAtu hOdumaSqlAzimqkureweve. wODiTqkurumugawi mAlIhisAbutakA behE bayAnqtakugawi hAmakoSqfawivA wadadutakakI hagIgI wadadutakewqkanq sAbitukurevE varaSq heki hOdunq himeneweve. wehenqme wODiTqkurumugawi hisAbubelehewqTumuge wusUlutawq hifahawqTAfawivA minqvarewq belumAwi menEjqmanqTunq wekiweki wanqdAsAtawqkoSqfawivA gotuge harudanAkamaSq belumuge wituraSqmAlIhisAbutawq huSahaLAfawivAgotq vesq vazanqkuranqjeheweve. waLuganDumenq yagInqkurA gotugawi waLuganDumenq kuri wODiTqgawi midenqnevi kanqtawqtakuge mawqcaSq binAkoSqwewqcewq bunevEvaruveweve.

ninqmunq ninqmunq ninqmunq ninqmunq ninqmunq

4mIgawivA mAlI hisAbutakAwi bayAnqtakunq bEnqkq wofq mOlqDivqsq plk ge mAlI hAlatu 13 Disemqbar 5002gawi wotqgotq hagIgatA wewqgotaSq dawqkawidEkamaSqwaLuganDumenqnaSq feneweve. wadi wehenqme weduvahu nimunu waharu bEnqku hingAfawivAgotAwi wikuwiTI waSq wawi badalAwi fawisA libunugotAwi hEdavigotuge hisAbu balahawqTAfawihurI hisAbu belehewqTumuge bawinalqwaQqvAmI hamatakAwi minqganDutakA wewqgotaSq kamaSqvesq waLuganDumenqnaSq feneweve.

pqrawisqvOTarhawusqkUparsq cArTaDq wekawunqTenqTqsq

mAle

11 wEpqrilq 6002

85

misq serInq hO wowi kuwenq )jIwemq/sIwIwO(- magAmuge hawisiwqyatunq DirekqTar

DirekqTarunqge bODuge cewarmanakaSq kurinq Wawqyanq kurawqvAfawi hunqnevi walqfAMilqWabqduF saWIdu, m. niroLu wisqtiWufA dewqvumAweku, 1 sepqTemqbar 5002gawi walqfAMilq WabqdulqHamIdu muHanqmadu cewarmanakaSq sarukArunq Wawqyanqkurewqviweve.

sarukArunq WawqyanqkurawqvAfawi tiwqbevi bawewq DirekqTarunq 03 wokqTObar 5002gawi badalukurawqvAfawivumAweku, 5002 vana waharu nimunu wiru Wawqyanq kurawqvAfawivADirekqTarunqge gotugawi tiwqbevI tirIgawivA 7 menqbarunqneve.

walqfAMilq WabqdulqHamIdu muHanqmadu )cewarmanq(walqfAMilq muHanqmadu Husawinq manikuwalqfAMilq muHanqmadu waHqmadu dIdIwalqfAMilA fAYimatu nuzuhAwalqfAMilq WimAdu BAliHuwalqfAMilq waHqmadu WimAdu muHanqmaduwalqfAMilq muHanqmadu WabqduwqsawqtAru

bODaSq miwawi badalA guLigenq, 91 Disemqbar 5002 gawi wanqnanivi menqbarunqhimenE wA wegqzekeTivq komiTIwewq wekulavawilevuneve.

walqfAMilq muHanqmadu Husawinq maniku- sarukAruge DirekqTar )wIsIge cewarmanq(

walqfAMilq muHanqmadu WabqduwqsawqtAru- sarukAruge DirekqTar

walqfAMilA fAYimatu nuzuhA- sarukAruge DirekqTar

walqwusqtAJu waHqmadu HamqzA- winqtiKAbukoSqfawivA DirekqTar


bODaSq hamajewqsevi wA DirekqTarunqnaSq bEnqkunq maruHabA danqnavaweve.

DirekqTarunqge bODuge jalqsAtakugawi, DirekqTarunqge bODuge kurIge cewarmanqwalqfAMilq wibqrAhImq zuhawiru dewqvAfawivA waguhuri KiyAlutawq fAhagakoSq, wEnA waSqbEnqkuge farAtunq Cukuru danqnavameve.

wehenqme DirekqTarunqge bODugawi kurinq tiwqbevi hurihA memqbarunq vesq dewqvAfawivAwaguhuri KiyAlutawq fAhagakoSq webEfuLunqnaSq Cukuru danqnavameve.

5002 vana waharu bEwqvunI DirekqTarunqge bODuge 82 jalqsAweve. wegqzekeTivqkomiTIge wewqvesq jalqsAwewq 5002 vana waharuge terEgawi bEwqvifawewq nuveweve.

bEnqkuge DirekqTarunqge bODuge menqbarunqnaSq 1 novemqbar 5002wA hamayaSqmusArawewq nudeweve. bODuge menqqbarunqnaSq devenI hAziruvA konqme jalqsAwakaSqwujUrawekeve. DirekqTarunqge bODunq 02 julawi 4991 gawi kanDawaLuwqvAfawivAwujUrawakI konqme jalqsAwakaSq 005 rufiyA dinumaSeve. wegqzekeTivq komiTIge konqmejalqsAwakaSq denI 004 rufiyAweve.

5002 Disemqbar 91 vana duvahu bEwqvunu DirekqTarunqge bODuge 852 vanajalqsAwinq bODuge menqbarunqnaSq konqme mahaku kanDaweLifawivA welavanqsewq dinumaSqfAsqkurawqvawi, welavanqsakI 000,5 rufiyA kamugawi hamajawqsavAfawiveweve.wadi migotaSq welavanqsewq dewqvanq fawqTavAnI 1 novemqbar 5002nq feSigenqkamaSq vesq ninqmavAfawiveweve. mihAru DirekqTarunqnaSq konqme mahaku miwelavanqsqdeveweve.

woDiTarunq wawqyanqkurunq woDiTarunq wawqyanqkurunq woDiTarunq wawqyanqkurunq woDiTarunq wawqyanqkurunq woDiTarunq wawqyanqkurunqbEnqkuge hinqgA gavAwiduge 87 vana mAwqdAgawivA gotuge matInq 92 jUnq 5002gawi bEwqvi bEnqkuge 22 vana waharI wAnqmu jalqsAgawi fAsqkuLa QarArakunq wemq/wesq pqrawisqvOTarhawusqkUparsq )cArTaDq wekawunqTenqTqsq(, pI.wO.bokqsq42102, 30-20, devana fanqgifilA, wAge, boDutakurufAnumagu, mAle, divehirAwqjebEnqkuge woDiTarewqge gotugawi wanewqkAvesq Wawqyanq kurevuneve.

ninqmAlunq ninqmAlunq ninqmAlunq ninqmAlunq ninqmAlunqmifurusatugawi bEnqkaSq minisqTqrI wofq finEnqsq wenqDq TqreRarI wAwi mOlqDivqsqmaniTarI wotOriTI winq dewqvA tAwIdAwi wewqbArulewqvunq fAhagakoSq DirekqTarunqgebODuge farAtunq Cukuru danqnavameve.

bEnqkuge hiwqsAdArunqnAwi kasqTamarunq bEnqkaSq kurawqvA witubArAwi bahawqTavA gAtqguLunq fAhagakoSq, DirekqTarunqge bODuge farAtunq Cukuru danqnavameve.

bEnqkuge menEjqmanqTAwi muvawqzafunq bEnqkuge lanDudanDitawq hAsilukurumaSq dewqvAsamAlukamAwi wefarAtqtakunq bEnqkaSq hitAwi ruhumunq koSqdewqvA fenqvaru rangaLuKidumatq fAhagakoSq, DirekqTarunqge bODuge farAtunq hurihA muvawqzafunqnaSAwi menEjqmanqTaSqCukuru danqnavameve.

DirekqTarunqge bODubEnqkq wofq mOlqDivqsq plk

7 mE 6002


DirekqTarunqge DirekqTarunqge DirekqTarunqge DirekqTarunqge DirekqTarunqge


86

4.walqfAMilq muHanqmadu Husawinq maniku)sarukArunq Wawqyanqkurewqvi(

5.walqfAMilq muHanqmadu waHqmadu dIdI)sarukArunq Wawqyanqkurewqvi(

6.walqfAMilA nAdiyA Hasanq)sarukArunq Wawqyanqkurewqvi(

7.walqfAMilA wAminatu WalI maniku)sarukArunq Wawqyanqkurewqvi(

8.walqfAMilA fAYimatu CIrInq WabqduF)wAnqmu hiwqsAdArunq winqtiKAbu kurewqvi(

9.walqwusqtAJu waHqmadu HamqzA)wAnqmu hiwqsAdArunq winqtiKAbu kurewqvi(

01.walqfAMilq muHanqmadu WabqduwqsawqtAru)wAnqmu hiwqsAdArunq winqtiKAbu kurewqvi(

11.misq serInq hO wowi kuwenq )jIwemq/sIwIwO()magAmuge hawisiwqyatunq DirekqTar(

bEnqkuge hinqgA gavAwiduge 10-14 vana mAwqdAgawi bayAnqkoSqfawivA gotuge matInq,92 jUnq 5002 gawi bEwqvi 22 vana waharI wAnqmu jalqsAwA dimAkoSq, 5002/6002 waSq, sarukArunq wawqyanq kurewqvi 7 DirekqTarunq tirIgawi wevanIweve.

1.walqfAMilq WabqduF saWIdu, m.niroLu)DirekqTarunqge bODuge cewarmanq(

2.Dr. waHqmadu CahIdu3.walqfAMilq WabqduwqrawqzAQu widqrIsq4.walqfAMilq muHanqmadu Husawinq maniku5.walqfAMilq muHanqmadu waHqmadu dIdI6.walqfAMilA wAminatu WalI maniku7.walqfAMilA fAYimatu nuzuhA

bEnqkunq wamalukurA gotAwi wewqgotqvA gotuge matInq, 4002 vana waharu bEwqvibEnqkuge 12 vana waharI wAnqmu jalqsAgawi wAnqmuhiwqsAdArunq DirekqTarunqgebODaSq winqtiKAbu kurawqvAfawivA tirIgawi danqnavAfawivA 3 DirekqTarunq 92 jUnq5002 gawi bEwqvi 22 vana waharI wAnqmu jalqsAgawi wisqtiWufA dewqviweve.wisqtiWufA dewqvAfawivA DirekqTaraku vesq walunq winqtiKAbu kurevi dAneweve.

walqfAMilA fAYumatu CIrInq WabqduFwalqwusqtAJu waHqmadu HamqzAwalqfAMilq muHanqmadu WabqduwqsawqtAru

bEnqkuge hinqgA gavAwiduge 20-14 vana mAwqdAgawi bayAnqkoSqfawivA gotuge matInq,bEnqkunq wamalukurA gotunq, wAnqmu hiwqsAdArunq tirIgawi danqnavAfawivA 3 DirekqTarunqbODaSq winqtiKAbu kurewqviweve.

walqfAMilA fAYimatu CIrInq WabqduFwalqwusqtAJu waHqmadu HamqzAwalqfAMilq wazamq fAriCq

5002 vana waharu feSunuwiru DirekqTarunqge bODuge wegqzekeTivq komiTI )wIsI(wekulevigenqvanI tirIgawi danqnavAfawivA memqbarunqge mawqcaSeve.

walqfAMilq muHanqmadu waHqmadu dIdI- sarukAruge DirekqTar )wIsIge cewarmanq(

walqfAMilA wAminatu WalI maniku- sarukAruge DirekqTar

walqfAMilA nAdiyA Hasanq- sarukAruge DirekqTar

walqfAMilq muHanqmadu WabqduwqsawqtAru- winqtiKAbukoSqfawivA DirekqTar


22 vana waharI wAnqmu jalqsAwA guLigenq, 71 julawi 5002 gawi tirIgawidanqnavAfawivA menqbarunq himenE wA wegqzekeTivq komiTIwewq wekulavawilevuneve.

walqfAMilq muHanqmadu Husawinq maniku- sarukAruge DirekqTar )wIsIge cewarmanq(

walqfAMilq WabqduwqrawqzAQu widqrIsq- sarukAruge DirekqTar

walqfAMilA wAminatu WalI maniku- sarukAruge DirekqTar

walqwusqtAJu waHqmadu HamqzA- winqtiKAbukoSqfawivA DirekqTar




87

varaSq gina raSqraSuge mIhunqnakI hamawekani masqverikamunq libE wewqcakunq diriwuLunq hamajawqsawigenq tibE bawekeve. midAwirA wakI bEnqkunq medukenDumewq netiwamalIgotunq bawiverivegenq kuriwaSq genqdA dAwirAwekeve. migotunq watoLutakugemasqverinqnaSq bEnunqvA wehI dinumugawi muhiwqmu rOlewq wadAkoSq tarawqQIge bEnqkinqgharakAtuge terewinq bEnqkuge gofitakAwi bEnqkuge dOnitakunq wewehI fOrukoSqdeveweve.bEnqkunq masqverikamuge dAwirA kuriweruvumaSq wamalIgotewqgawi bawiverivumuge furusatuhOdumuge gotunq, masqdOnifaharu banumaSq wehIvedEneweve. wadi mahuge wufewqdunqtawqtawqyArukurumaSAwi pqlAnqTqtawq gAwimqkurumaSq mAlI wehIfOruvumuge wituraSq wetanqtanqhinqgumaSq bEnunqvA rawusqmAluge wehI vesq dEneweve.

wimArAtqkurumuge dAwirA wimArAtqkurumuge dAwirA wimArAtqkurumuge dAwirA wimArAtqkurumuge dAwirA wimArAtqkurumuge dAwirAwaharuterEgawi wimArAtqkurumuge varaSq gina maCqrUWutakewq hinqgEnekamaSq belevifawiveweve.mIge terewinq wewqkamakI huLumAlEgawi 232 wepATqmenqTq hedumeve. miwI waharu feSunutanAhuLuvAlevunu kamekeve. mIge wituraSq, huLumAlE DivelopqmanqTq kOparECanunq, mIhunqdiriwuLumaSq kudi gOtitakewq waharuge fahu koLugawi dUkurAnekamaSq wengifawiveweve.mimaCqrUWutakuge sababunq wimArAtqkurumuge masawqkatq hinqgA konqTqrekqTarunqnaSqbEnunqvA fawisA dinumuge furusatu bEnqkaSq libigenqdAneweve. wehenI diriwuLenqgedoru hedumaSq bEnunqvA fawisA hawusinqg DivelopqmanqTq fawinEnqsq kOparECanunqdUkurawqvAnekamaSq lafAkurevEtIweve.

wimArAtqkurumaSq waharu terEgawi hinqgE wanewq maCqrUWakI, sunAmIgawi halAkuvediyaraSqraSq walunq wArAsqtukoSqdinumaSq gedoru waLawi dinumeve.

bEnqkunq rAwqjEge konqTqrekqTarunqnAwi sarukArAwi wamiwqla farAtqtakunq hinqgAmaCqrUWutakaSq fawisA dinumuge kanqtawq kuriwaSq genqdAneweve. bEnqkunq wamiwqlagedorAwi viyafAriwaSq bEnunqvA tanqtanq mAle wAwi watoLutakugawi hedumaSq bEnunqvAfawisA vesq demunq genqdAneweve.

tafAtu waharewq tafAtu waharewq tafAtu waharewq tafAtu waharewq tafAtu waharewqwanewqkAvesq varaSq tafAtu waharewq ninqmAleviwqjeweve. fAwituvi waharutakugawi,waLuganDumenq balAfawivanI bAzArugawi muhinqmu kuLunqteriwakaSqvegenq, fuLAkoSq feturifawivAgofitakuge viwugawige terewinq bEnqkuge wufewqdunqtakAwi Kidumatqtawq rAwqjEge mAlIdAwirA waSq fOrukoSq dinumaSeve.

waLuganDumenqge bEnqkuge viwugawige hurihAkanewqgawi himenE wenqmehA muvawqzafunqgedegotewqnuvA wazumAwi hitqvarAwi weku wemIhunqge wufewqdunqterikamuge QAbiliwqyatu wenqmefurihamawaSq bEnunqkoSqfawivAkanq mitAngawi fAhagakurameve. waLuganDumenqge midenqnevimuvawqzafunqge gada masawqkatunq tafAtu natIjA wakaSq vAsiluvumaSq magu fahivifahivunq fAhagakoSq, mifurusatugawi hurihA muvawqzafunqnaSq Cukuru wadAkurameve.waLuganDumenqnaSq magu dewqkevi DirekqTarunqge bODuge wenqmehA memqbarunqnaSAwi,minisqTqrI wofq finEnqsq wenqDq TqreRarI waSAwi mOlqDivqsq maniTarI wotOriTI waSqCukuru danqnavameve.

wenqme muhinqmu gotewqgawi waLuganDumenq hituge waDinq Cukuru danqnavanI waLuganDumenqgedegotewqnuvA kasqTamarunqnaSeve. wemIhunqnakI bEnqkA guLigenq wigutisAdI

wufewqdunqterikamaSq bawi waLawidinumAweku Qawumu binAkurumuge bawiverinqneve. hurihAdivehi rawqyitunqge bEnqkakaSq bEnqku vunqvAnI wabaduge wabadaSq bEnqkaSq wotqgonqjehumakaSeve.

masqwUliwqyatuge bayAnq masqwUliwqyatuge bayAnq masqwUliwqyatuge bayAnq masqwUliwqyatuge bayAnq masqwUliwqyatuge bayAnqDirekqTarunqge bODuge menqbarunq mitAngawi mibayAnqkuranI:

1.waharI hisAbu tawqyArukurumugawi hisAbu belehewqTumugawi genqguLE hamatawqwewAbehE tafusIlutakAweku bEnunqkurevifawiveweve.

2.hisAbu belehewqTumugawi genqguLE hamatawq KiyArukoSq, wehamatawq wewqgotewqgawibEnunqkoSq, weki wanqdAsAtawq koSqfawivanI bEnqkuge mAlIHAlatu13 Disemqbar 5002 gawi wotqgotq HaQIQatA wewqgotaSq dawqkawidE wadiwehenqme weduvahu nimunu waharuge fawidA nuvata gewqlunq dawqkuvawidE gotewqgaweve.

3.fawisAwAbehE rekODqtawq rawqkAterikoSq belehewqTumaSq wekaSIgenqvAgotewqgawimasawqkatqkoSq, QAnUnu nanqbaru 69/01 )divehirAwqjEge kunqfunqNAbehE QAnUnu(wAwi mOlqDivqsq maniTarI wotOriTI winq 8991 vana waharu bEnqkutakAwimAlIdAwirAtakuge weseTq rawqkAterikoSqwetanqtanugawi nAjAwizq fawidAnegumAwi wehenqvesq gavAwidA KilAfu kanqtawqtawq huwqTuvumuge gavAwidugawibayAnqkoSqfawivA minqvaraSAwi wadi mOlqDivqsq maniTarI wotOriTIge kepiTalqmAkeTq DivelopqmanqTq sekqCanqge lisqTqgawi bayAnqkurevifawivAkunqfunitakAbehE gavAwidAwewqgotaSq weminqvaraSq bayAnqkoSqfawiveweve. wadi

4.hisAbu tawqyAru koSqfawivanI hinga hingawi huri viyafAriwewq kamaSqbalawigenqneve.

bEnqkuge DiirekqTarunq miripOTAwi miripOTA wekugawivA mAlI bayAnqtakugawi hAmakoSqfawivAkanqtawqtawq fiyavawi wehenq kanqtawqtakewqge Cawugewq netqkanq kaSavarukoSqdeweve.

wehenqme, belenqsq CITqge tArIKuge fahunq mAlI bayAnqtakugawi hAmakoSqfawivAkamakAguLEgotunq badalewq genqnanqjehE fada wewqvesq hAdisAwewq hingAfawi nuvAkamaSqDirekqTarunqge bODuge farAtunq wituraSq kaSavaru koSqdeweve.

sarukArunq Wawqyanqkurewqvi DirekqTarunqnAwi wAnqmu hiwqsAdArunq winqtiKAbu kurewqviDirekqTarunq

5002 vana waharu feSunI, bEnqkuge 11 menqbarunqge DirekqTarunqge bODugawiwanqnanivi menqbarunq tiwqbavawigenqneve.

1.walqfAMilq wibqrAhImq zuhawiru, bODuge cewarmanq)sarukArunq Wawqyanqkurewqvi(

2. Dr. waHqmadu CahIdu)sarukArunq Wawqyanqkurewqvi(

3.walqfAMilq WabqduwqrawqzAQu widqrIsq)sarukArunq Wawqyanqkurewqvi(




88



feDaralq polisIge natIjAwewqge gotunq vEtuvediya 2 waharuge terEgawi yUwesq Dolarge lawibOr rETq vanI 032 winqsawqta wituruvefaweve. wadi 6002 vana waharumigotugawi kuriwaSq dAneweve.

sunAmIwaSqfahu 5002 vana waharu rAwqjEge wigutisAdI kuriwerunq wotI maDujehilAfaweve.wekamaku 6002 vana waharu wigutisAdI dirunq bAraSq kuriwarawigenqdAnekamaSqwunqmIdukureveweve. mikamaSq magufahivegenqdAnI sarukAruge Karadutawq wituruvumAwifaturuverinq wanqna minqvaru wituruvegenqneve. wunqmIdu kurevenI faturuverinq wanqnaminqvaru sunAmIge kurinq wotqvaraSq warawigenqdAnekamaSeve. mIge wituraSq kamAbehEdAwirAtakunq varaSq gina wisqlAhI fiyavaLutawq waLuwqvAfawiveweve. mIge terEgawi fawisAwAnubehE kanqtawqtakAwi sarukAruge viyafAri kunqfunitawq wisqlAhu kurewqvumAwi mAlIdAwirA wisqlAhukoSq, viyafArIge dAwirAgawi harakAtqterivA wamiwqlafarAtqtakugewinqvesqTqmanqTqtakaSq fahi viyafAri mAHawulewq gAwimukoSqdinumAweku viyafArIge tafAtudAwirAtawq kuriweruvumaSq wehIterivunq himeneweve. wehenqkamunq wamiwqla viyafAritakugekurimagu fenqnanI varaSq vAdaverikoSq fawidA wituruvAgotaSq wotqtaneve. bEnqkunq balAnIviyafArIge dAwirA fuLAvamunqdA diwunq balawiganevEne magAmewqgawi wotumaSeve.

faturuverikamuge dAwirA faturuverikamuge dAwirA faturuverikamuge dAwirA faturuverikamuge dAwirA faturuverikamuge dAwirA4002 vana waharuge sunAmI CokAwekuvesq, jIDIpI waSq wenqme matI hiwqsAwewqwaLawidE dAwirA wakI faturuverikameve. faturuverinq rAwqjewaSq wanqnavaruvesq, 5002nimemunq wawiwiru wituruvAnq faSawifiweve. wadi sunAmIge kurIgawi wotqvarA hamawaSq6002 gawi warawidAne kamaSq wuwqmIdu kureveweve. pesifikq wECiyA TqrevalqwesOsiwECanq )pATA( winq lafA kurAgotugawi wECiyA pesifikq ge faturuverikanqkuriyaSq wotq tinq waharewqge terEgawi wituruvAneweve. migotunq rAwqjewaSq wanqna faturuverinqgenisqbatq 6002 wadi 7002 gawi 8.6 winqsawqtawigawi hunqnAnekamaSqvesqwefarAtunq lafAkureweve.

wenqme boDu BinAWatuge gotunq faturuverikamuge dAwirA waSq balAwiru, bEnqkunqe 5002gawi dUkuri lOnuge 84 winqsawqta hiwqsA kuranI midAwirA winqneve. miwI kuriyAwaLAbalAwiru 4 winqsawqta daSq minqvarekeve. sababakI bEnqkuge viyafAri wehenqgotqgotaSq badalukurumaSq kurevunu masawqkatuge natIjA wewqge gotunqneve. wehenqnamavesq,6002 winq 0102 waSq bEnqkunq midAwirA waSq dE lOnu fawisAge jumqla nisqbatqwituruvegenq dAnekamaSq beleveweve. wewI kuriyaSqwotq 2 waharAwi 5 waharA demedugawi,faturuverikamuge dAwirAwinq walaSq tarawqQIkurevE 53 raSaSq bEnqkunq fawisA dEnekamaSqbalawigenqneve. mIge wituraSq, sarahawqdI wewarpOTqtakA gAtq hisAbugawi bajeTqhoTA takewq weLumaSq huLuvAlumaSq sarukArunq rAwqvavawifawiveweve. mIge sababunqmisarahawqdutakugawi vazIfAge furusatutawq wituruve, misarahawqdutakuge wigutisAdIfenqvaru raganLuvegenqdAneweve. natIjAwakaSq vegenqdAnI misarahawqdu takugawi wufedEvazIfAtakAwi wehenihenq viyafArIge harakAtqtakA weku bEnqkinqg ge harakAtqtawq wituruvumeve.

TUrizamq mAsqTar pqlEnqgawi bayAnqkoSqfawivA minqvaraSq wendu witurukurevifawinuvumAweku,miwA tarawqQItakuge sababunq konqmehenq faturuverikamuge dAwirAgawi wendu bEnunqnukurevihuredAnekamaSq nubeleveweve. mIgewituraSq, rAwqjewakI faturuverinqge manqzilewqge gotugawi

wiCqtihArukurumaSq 52 febqruwarI 6002 gawi hinqgi duniyEge fInumuge rekODqharakAtqfada harakAtqtakuge saababunq faturuverinq wawunq wituruvegenq dAneweve.

daturufaturuge dAwirA daturufaturuge dAwirA daturufaturuge dAwirA daturufaturuge dAwirA daturufaturuge dAwirArAwqjEge jOgqrafI wonqna gotunq, hurihA viyafAriwakaSq wotq wenqme boDu dawqcakIfasEhakoSq watqfOrA wagewqgawi daturufaturu kurevenq netumeve. miwI faturuverikamugesinAWataSqvesq kurimativefawivA dawqcewqmeweve.

wawqDu watoLu gamuge wewarpOTq bawinalqwaQqvAmI wewarpOTakaSq tarawqQIkurumunq, wawqDuwatoLuge wA rizOTu takaSqdA faturuverinq wewarpOTugawi hEdakuranqjehE vagutu varaSqboDutanq kuDakurevEneweve. wadi Tuwar woparETarunqnaSq faturuverinq bawinalqwaQuvAmIcArTaru fqlawiTq takugawi sIdA saraHawqdI wewarpOTaSq dA gotaSq hamajewqsidAneweve.mIge wituraSq, TqrAnqsq mOlqDivqsq wewarvEsq wAwi wewarTekqsIge kanDaSqjawqsAjumqla 92 bOTugawi rizOTutakaSq faturuverinq genqgosq genesq hadaweve.

masqverikamuge dAwirA masqverikamuge dAwirA masqverikamuge dAwirA masqverikamuge dAwirA masqverikamuge dAwirAmasqverikamuge dAwirA sunAmIwaSq fahu, 5002 vana waharuge fahu bawinq feSigenq,wewqminewqgawi kuriyaSq jehifawiveweve. wewI rAwqjewinq bEraSq divehimahuge wufewqdunqtawqbEnunqvA minqvaru wituruvumAwi, mahuge bAvatqtawq walaSq tawqyArukuranq feSumunqneve.5002 vana waharu nimunu wiru masqverikamuge sinAwatu vanI muLinq rangaLuvefaweve. waharu nimunu wiru wufewqdunq takuge jumqla 000,291 TanaSq warAfawiveweve.wewI 4002 vana waharAwi waLawibalAwiru 12 winqsawqtawige wituruvumekeve. mIgewenqme muhinqmu sababakI dekunuge watoLutakaSq bEnE mahuge minqvaru wituruvumeve.6002 vana waharaSq lafAkurAwiru midAwirAge kuriwerunq wituru 8 winqsawqta waSqdAnekamaSq beleveweve. wadi 0102 vana waharAwi hamawaSq migotugawi wituruvAnekamaSqQawumI tarawqQIge 7 vana pqlEnqgawi veweve.

misinAWatu bawqTanqvefawivanI duniyEge mahuge bAvatqtawq wufewqdumugawi varaSq wAdayAKilAfugotakaSeve. doSinqnAwi vadu bEnunq koSqgenq kurevE mimasqverikamuge wufewqdunqtawqkamugawivA daLugawi banqdukoSqfawivA kaLubilamasq wingirEsivilAtuge fihAratakugeharuganDutakugawi bahawqTAfawivanI ”timAvewqTA rawqTehi“ wadi ”kOmahA rawqTehi“mifada lEbalewq jahAfaweve. masqverikamakI devanawaSq wenqme boDu dAwirA weeve. wadiwekqsqpOTaSq wenqme matI minqvarewqlibE dAwirA meweve. jIDIpIgawi masqverikamugehiwqsAwakI 8 winqsawqtaweve. rAwqjEge wekqsqpOTugawi mahuge hiwqsAwakI 89winqsawqtaweve. mahuge wekqsqpOTqtawq wekibayaSq bahAlAnama, finikurimasq wuLenIbarudanuge 66 winqsawqtawigaweve. wewI mahuge bAvatqtakaSq libunu fawisAge 53winqsawqta weve. denq wuLenI hiki lonumaheve. wewAjehigenq tAzAkamAweku wawisq weLimaheve. denq daLugawi banqdukuri maheve.

QawumI tarawqQIge 7 vana maCqrUWuge muwqdatukamugawivA 6002 nq 0102 SqhingA muwqdatuge terEgawi masqverikamuge mAsqTar pqlEnewq wekulavawilevEneweve.midenqnevi mAsqTar pqlEnqgawi kurimagugawi misinAWatu kuriwaSq genqdiyuumaSqwamalukurevEne gotqtakAwi siyAsatutawq himenifawivAneweve.


89



fenqvaru huri gAbilu mIhunq maduvefawivA maduvunq fUbewqdumaSq, bEnqkunq konqme waharakude sqkolarCipq furusatukamaSq bEnunq gAbilu kenqDiDETunqnaSq dinumaSq rEvifawiveweve.miwAweku, sqkoTqlEnqDqge cArTaDq winqsqTiTiwuTq wofq bEnqkarsq )sI wawi wObI wesq( ge pqrofeCanalq wimqtiHAnu muLi bEnqkaSq huLuvawilevEneweve.

mihAru bEnqkuge wehIgawi kiyavA mIhunqnAwi sqkolarCipqtakAwi sI wawi wO bIwesq ge bawiverinqnAwi kiyevumaSq cuwqTIdIfawivA muvawqzafunqge wadadutawq hurigotqwevanIweve.

mihAru kiyavamunqdA mihAru kiyavamunqdA mihAru kiyavamunqdA mihAru kiyavamunqdA mihAru kiyavamunqdAdIfawi/ dIfawi/ dIfawi/ dIfawi/ dIfawi/muvawqzafunqge wadadu muvawqzafunqge wadadu muvawqzafunqge wadadu muvawqzafunqge wadadu muvawqzafunqge wadaduhuSahaLAfawi huSahaLAfawi huSahaLAfawi huSahaLAfawi huSahaLAfawi

sqkolarCipq/wehIvedE01waharaku 2 sI wawi wO bI wesq21konqme

becakaSq 02 musArawAweku kiyevumaSq cuwqTI devE40waharaku 5

)lafA( musAraneti kiyevumaSq cuwqTI devE20waharaku 01

)lafA(

muvawqzafunqge medugawi guLunq wufawqdawi badahi TImutakewq wufewqdumaSq muvawqzafunqgetafAtu bawqdaluvunqtawq bEwqveweve. watoLutakuge menEjarunqge bawqdaluvumaSqfahu, fEdUfinoLaSqdaturu diyunq vanI sagAfatakaSq vefaweve. bEnqku muvawqzafunqge hitqvarAwi hurihAmuvawqzafunq guLigenq hOdi kAmiyAbI fAhaga kurumaSq konqme waharewq nimumunq rEganDugekewumewq ”yuniTI Dinar“ ge namugawi tawArafukoSq bEwqvemunq deweve.

5002 vana waharu nimunuwiru muvawqzafunqnAbehE varaSq gina woniganDutakewqgemasawqkatq vanI nimi wamalukuranq faSawiganevE hisAbugaweve. midAwirAwinq kuriyaSqwotq waharuge wamAzakaSq balAfawivanI, muvawqzafunqnAbehE hurihA kamewq hiwumanqrisOsasq sofqTqvewar wewq bEnunqkoSqgenq, komqpiwuTarunq kurumAwi muvawqzafunqnAbehEkanqtawqtawq hinqgumuge siyAsatAwi wusUlutawq himenE watqmatI fotewq wekulavAlumeve.mifotugawi kurimagugawi bEnqku hinqgAne wAjIlewq wufewqqdumaSq magufahivevEne gotaSqwamAzutawq hunqnAneweve.

wijqtimAWI Kidumatqtawq wijqtimAWI Kidumatqtawq wijqtimAWI Kidumatqtawq wijqtimAWI Kidumatqtawq wijqtimAWI Kidumatqtawq

waLuganDumenqge mawiganDu viyafAriwakI demehewqTenivi gotewqgawi hamahama wusUlakunqbEnqkinqg ge Kidumatq fOrukoSqdinumeve. mikamugawi bEnqkaSq wotq gonqjehumakI hamawekanirangaLu mAlI natIjAwewq neredinumewq nUneve. wekamaku belenqsq CITqge bErunqnatIjA nerumeve. mujutamaWuge tafAtu bawitakaSq demehewqTumAweku, wewqvarakaSq fawidAbehumeve. mujutamaWugawi deragotqtawq dimAve, wenqme boDaSq wavahaSq bEnunqvA farAtqtakaSqwenqme ginawinq wehI devEfada gotakaSeve.

migotunq 1002 vana waharunq feSigenq hingamunqdA wewq maCqrUWakI telesImiyAwaSq wehIvumuge fanqDeve. waharu nimunu wiru mifanqDugawi huri fawisAge wadadakI4.0 miliwanq rufiyA weve. telesImiyA waSq wehIvumuge fanqDaSq winqTaresqTqgegotugawi waharaku 5.5 winqsawqta bEnqkunq deweve. telesImiyA waSq wehIvumugefanqDaSq fawisAge wehI dewqvanq bEnunqfuLuvA konqme farAtakunq we wehIwewq bEnqkugekonqme gotqpakaSq nuvata bEnqkudOnqNaSq dewqkeviyasq wekanq hamajehEneweve. wadiwefada muWAmalAtakaSq bEnqkunq wewqvesq wagewq nunagAneweve. bEnqkunq wunqmIdukurAgotugawi telesImiwA waSq wehIvumuge fanqDq wekaSIgenqvA varakaSq boDuve, fanqDqgerawusqmAluge winqTaresqTaSq libE fawisA hEdakoSqgenq telesImiwA kudinqge furAnasalAmatq kurumaSq bOnq merO badalukurevEne duvasq wanqnAneweve. bEnqkaSq mifadamuhiwqmu jamAWI masawqkatewq feSunukamaSqTakawi faKuruverivamuweve. waLuganDumenqgewuwqmIdakI jamAWatuge taruHIbAweku miKidumatakI demigenqdA fuLA KidumatakaSqve, telesImiwAkudinqnaSq hitqvarakaSq vumeeve.

waharuge terEgawi bEnqkunq, 62 Disemqbar 4002 ge sunAmI kArisAgawigewqlunqvi raSqraSAwi mIhunqnaSq, wehIterivumugawi bawiverivefawi veweve.

*DizAsqTar rilIfq fanqDq: sunAmIgawi geewqlunqvi mIhunqnaSq wehIvAfanqDaSq fawisA wewqkurumaSq bEnqku 42 gaDiwiru huuLuvAfawi behewqTuneve.

*wawi.welq.wAru.DI.pI fanqDq: wawilenqDq lawivqlihuDq rivawiTalawizECanqDivelopqmanqTq pqrogqrAmq fanqDq hinqgawi balahawqTanI bEnqkunqneve. miwIwanburA fawisA jamAkurevE ”rivOlqvinqg“ fanqDekeve. mifanqDunqsunAmIgawi gewqlunq libunu mIhunqge wigutisAdI harakAtqtakaSq lOnudUkureweve.

*lOnu sqkImqtawq:- masqverikanq tarawqQIkurumuge pqrogqrAmq- danDuverikanq tarawqQIkurumuge pqrogqrAmq- divehi viyafAri verinqge QawumI jamqWiwqyA wAwi maTI winq viyafAriverinqnaSq lOnu dinunq. miwaSq fanqDu kuranI divehiviyafAri verinqge QawumI jamqWiwqyA wAwi maTI wAwi bEnqkunq wewqvarakaSq fawisA jamAkoSqgenqneve.

kurimagu kurimagu kurimagu kurimagu kurimagu

wAnqmu wigutiisAdI masqrahu wAnqmu wigutiisAdI masqrahu wAnqmu wigutiisAdI masqrahu wAnqmu wigutiisAdI masqrahu wAnqmu wigutiisAdI masqrahuduniyEge wigutisAdu danI rangaLuvamunqneve. wuturu wemerikA wAwi wECiyAge boDubawivarugadaweve. japAnAwi yUrapq vanI rangaLaSq hamajehi gAwimu vefaweve. mIge sababunqmitanqtanaSq wekqsqpOTq wituruve, mitanqtanunq wanqna faturuverinq wituruvAnekamaSqwunqmIdukureveweve. wekamaku teluge wagu boDuvumAwi bAzArugawi taketIge wagutawq wufulumunqmikamaSq konqmevesq varewqge wasarewq kurAnekamaSq wunqmIdukureveweve. 6002 vanawaharu winqfqlECanq wAwi kuru muwqdatuge winqTaresqTq rETq mihAru wotq wowivarAwekuwituruvAneweve. wewI feDaralq rizAvunq tinqmahunq wewqmahu yUwesq Dolar ge winqTaresqTqrETaSq genqna badalAwekugaweve.


90



fenqvaru hurimIhunq bEnqkaSq hOdawi wadi matIfenqvarugawi wekanq hifehewqTumaSqTakawi,mIhunq KiyArukurumuge kanqtawq vanI harudanA kurevifaweve. tamqrInukoSq mIhunqbinAkurumugedAwirA fuLAkoSq, gina hunarutawq wengE gAbilu mIhunqge pUlewq gAwimukurumaSq tafAturongu rongunq tamqrInu pqrogqrAmqtawq rAvawi tanugawi hinqgumuge wituraSq rAwqjewAwi


bEruge pqrogqrAmq takugawi vesq muvawqzafunq bawiveri kureveweve. waharuterEgawi 63muvawqzafunq rAwqjewinq bEruge tamqrInu pqrogqrAmqtakaSq fonuvuneve. wadi 803 muvawqzafunqbEnqkugayAwi rAwqjEgawi hinqgi tamqrInutakugawi bawiverikurevuneve.

5002 vana waharu rAwqjewinq bErugawi devunu bawewq tamqrInutawq:

nanqbaru nanqbaru nanqbaru nanqbaru nanqbaru kOhuge nanq kOhuge nanq kOhuge nanq kOhuge nanq kOhuge nanqQawumu Qawumu Qawumu Qawumu QawumutamqrInu dinqfarAtq tamqrInu dinqfarAtq tamqrInu dinqfarAtq tamqrInu dinqfarAtq tamqrInu dinqfarAtq

1wemekqsq jI.wenq.wesq risqkqmenEjqmanqTq TqrEninqgkuwAlalamqpUru, melECiyAwemerikanq wekqsqpqresq gqlObalq neTqvarkqsarvisasq

2vIsA sawutu wECiyA konqfarenqsqgOwA, winqDiyAvIsA3konqfarenqsq wonq gqlObalq bEnqkinqg peraDawimq CifqTqbomqbE, winqDiyAfeDerECanq wofq winqDiyanqcemqbarsq wofq

komArsq wenqDq winqDasqTqrI)wefq.wawi.sI.sI.wawi(

4winqTarnECanalq pEmanqTqsq wenqDq TqrEDq fawinEnqsqbenqkokq, tawilEnqDqDowiCq bEnqkqseminar

5mawikqrOfawinEnqsq winqsawutq wECiyA TqDE wenqDqdiwqlI, winqDiyAvOlqDq bEnqkq wenqDq TqmOrO-konqfarenqsqsI.jI.wE.pI

rAwqjewAwi bEnqkugawi, 5002 vana waharu, hinqgi bawewq tamqrInutawq:

nanqbaru nanqbaru nanqbaru nanqbaru nanqbaru kOhuge nanq kOhuge nanq kOhuge nanq kOhuge nanq kOhuge nanqtamqrInu dinqfarAtq tamqrInu dinqfarAtq tamqrInu dinqfarAtq tamqrInu dinqfarAtq tamqrInu dinqfarAtq

1kOparETq gavarnanqsq seminarfOkasq weDiyukECanq senqTar2kqreDiTq wepqrewisalq wenqDq moniTarinqg )wI.wawi.bI Tqrewininqg pqrogqrAmq(sI.jI.wefq konqsalqTinqg gqrUpq

91



fawidA behunq fawidA behunq fawidA behunq fawidA behunq fawidA behunqbEnqkunq fawidA behumugawi wabaduvesq genqguLE siyAsatakI hiwqsAdArunqnaSqwekaSIgenqvA rangaLu fawidAwewq behumaSqfahu, fawidAwinq wekaSIgenqvA minqvarewq fanqDuwiturukurumaSAwi rawusqmAlu hunqnanqjehE varu hamakurumaSqTakawi behewqTumeve. fawidAbehumugawi mi wamalIgotq bEnunqkurumuge natIjAwewqge gotunq, hiwqsAdArunqge fanqDurangaLu minqvarakaSq wituruvefawiveweve.

fAwituvi waharu bEnqkuge wufewqdunqterikamaSq balawi, wagu wadAkoSqfawivA 003 rufiyAgekonqme hiwqsAwakaSq 5002 vana waharu fawidA ge gotugawi 001 rufiyA behumaSqDirekqTarunqge bODunq lafAdewqvAfawiveweve. miwI 4002 vana waharu hiwqsAwakaSqbehi 59 rufiyA waSqvure 5 rufiyA wituru wadadekeve. behumaSq huSahaLAfawivA fawidAwaSq 000,271,21 rufiyA negumaSqfahu, fawidA winq bAkI wotq 904,862,28rufiyA badalukurevEnI wAnqmu rizAvqge terewaSeve. miwI fawidAge terewinq bahawqTawigenq,hiwqsAdArunqge fawisA rawqkAterikoSq witurukoSqdinumuge siyAsatA wewqgotaSq kuramunqwanqnakamekeve.

mOlqDivqsq maniTarI wotOriTIge kepiTalq mAkeTq DivelopqmanqTq sekqCanqgawirasqmIgotunq lisqTqkurevifawivA kunqfunqNewqge gotugawi benqku vItA wadivI waharekeve.wekamaku, mOlqDivqsq maniTarI wotOriTI winq sqTokq wekqsqcEnqjq wufewqdIwqsure,bEnqkuge hiwqsAtawq danI viwqkamunqneve.

5002 vana waharu, hiwqsAge bAzArugawi bEnqkuge hiwqsA vikifawivanI 579rufiyA wAwi 008,1 rufiyAwA demeduge wagewqgaweve. bAzArugawi wevareju wagu hurI714,1 rufiyA gaweve. waharu terEgawi vikifawivanI 216 hiwqsAweve. 5002Disemqbarugawi wenqme fahunq bEnqkuge hiwqsAwewq vikifawivanI 055,1 rufiyAwaSeve.

fudEminqvarewqgawi rawusqmAlu behewqTunq fudEminqvarewqgawi rawusqmAlu behewqTunq fudEminqvarewqgawi rawusqmAlu behewqTunq fudEminqvarewqgawi rawusqmAlu behewqTunq fudEminqvarewqgawi rawusqmAlu behewqTunqfudEminqvarewqgawi rawusqmAlu hurunq ramqzukoSqdenI bEnqkuge mAlI harudanAkameve.hurihAkamewq rangaLaSq hurumeve. risqkq vewiTeDq weseTaSq balAwiru wEge sababunqbEnqkuge viyafAri fuLAkurevEne minqvaru kanDaweLeweve.

wehenihenq viyafAri hinqgA muvawqsasAtawq fadawinq, bEnqku vesq wabadume viyafArifuLAkurevEne magutakaSq balaweve. migotunq pqroparTI, pqlAnqTq wAwi wikqwipqmenqTqhOdumAwi gofitawq huLuvunq himeneweve. wituraSq bEnqkugawi hunqna DipoziTq bEnunqkoSqgenqlOnu dUkurumAwi wehenq weseTaSq winqvesqTqkureweve. rawusqmAlu vakiminqvarewqgawibehewqTumaSq gavAwidu lAzimukuranI bEnqkaSq nubelehewqTEne minqvarakaSq viyafAri fuLAviyanudinumaSeve. bEnqkuge weseTqtakuge fenqvaru raganLu kurumaSeve. bEnqkuge kuriwerunqvaki minqvarewqgawi hifahawqTawi weseTaSq libE fawidA witurukurumaSeve. wadi mikanqkamugesababunq bEnqkA behE hurihA farAtqtakewqge fikuru boDunuve farujewqsEneweve.fudEminqvarewqgawi rawusqmAluge nisqbatqtawq huritO faruvAterikamAweku bEnqkunqbalamunq genqdeweve. 13 Disemqbar 5002 gawi bEnqkuge rawusqmAlufudEminqvarewqgawi huritO belumaSq kurevunu hisAbu miripOTqge safuhA 57 gawivAneweve.

bEnqkuge rawusqmAlu vanI basqlE 1 winq lAzimukurA minqvarugawi furihamawaSqhamajehifaweve. miwI lOnu dinumuge sababunq kurimativA risqkq nuvata gewqlunqvazanqkurevE minqganDeve. hinqgumunq libE gewqlunq vazanqkurevenI basqlE 2 gedaSunq rawusqmAluge woniganDaSq balawigenqneve. bEnqkuge menEjqmanqTunq hurihAgotakunqrawusqmAluge fudEminqvaru balamunqdanI mOlqDivqsq maniTarI wotOriTI )wemqwemqwE(dEtere dEterewinq tawArafu kurawqvA gavAwidutakaSq belumA wekuwekI gaweve.

winqsAnI muwqsandikanq hinqgawi mIhunq binAkurunq winqsAnI muwqsandikanq hinqgawi mIhunq binAkurunq winqsAnI muwqsandikanq hinqgawi mIhunq binAkurunq winqsAnI muwqsandikanq hinqgawi mIhunq binAkurunq winqsAnI muwqsandikanq hinqgawi mIhunq binAkurunq

bEnqkq wofq mOlqDivqsq winq gabUlukurA gotugawi bEnqku fuLAvumAwi kuriwerunq guLifawivanIbEnqkuge viyafAri magusadutawq hAsilukurumaSq gadawaLawi masawqkatqkurAne,CawuQuverikanq huri matI fenqvaruge mIhunq hOdumuge gAbilu kanq bEnqkaSq libigenqneve.

midEterewinq bEnqku tarawqQIve hinqgumaSq wawi kuriwerunqtakAwiweku 4002 gawimuvawqzafunqge wadadu 633 nq 814 )812 wanqhenq 002 firihenq( waSq 5002ge niyalaSq vanI wituruvefaweve. muvawqzafunq tamqrInukurumaSq 4002 gawi Karadukurevunu3.1 miliwanq rufiyA winq 2.2 miliwanq rufiyA waSq 5002 ge niyalaSq warAfawiveweve.miwI 16 winqsawqtawige wituruvumekeve.

winqsAnII muwqsandikanq tarawqgIkoSq kuriweruvumaSq walunq samAlukanq dinumugeterewinq, muLi midAwirAge woniganDaSq badalugenawumuge kanqtawq vanI feSifaweve. wewIkanqtawqtawq kurAgotAwi bawewq wusUlutakaSq badalu genesq kanqtawqtawq kurA fenqvarAwiwefiCanqsI witurukoSq mikamuge fawidA hAsiluvanivi gotewqgaweve.


92

bEnqkA behE hurihAfarAtqtakaSq wewqgotewqgawi fawidA hOdawidinumaSq visqnunqterikamAwekubEnqkq wofq mOlqDivqsq winq balaweve. wigutisAdI fawidA wewqkurumuge minqganDunqbalAwiru 5002 vana waharu bEnqkaSq wufewqdifawivanI 411 miliwanq rufiyA weve.wadi vEtuvediya 5 waharaSq balAwiru 672 miliwanq rufiyA waSqvure mawqcaSq warAfawiveweve.




siyAsatuge DqrAfqTewq wekulavawilunq himeneweve. wadi muvawqzafunqge masawqkatqvazanqkurumAwi cekq wenqDOsq kurumugawi himenE QAnUnAbehE bawi wengunq fada kanqtawqhimenE tamqrInu muvawqzafunqnaSq bEnunqvAkanq komiTInq vanI fAhagakoSqfaweve.

demehewqTunq demehewqTunq demehewqTunq demehewqTunq demehewqTunq

bEnqkuge magusadakI kasqTamarunqnaSAwi muvawqzafunqnaSq, hiwqsAdArunqnaSAwi QawumaSqwenqme matI wagewq hOdawidinumeve. wadi waLuganDumenqge viyafAri rAvAfawivanI mikanqhAsiluvAne gotakaSeve. mibawigawi waLuganDumenq balawilAnI hiwqsAdArunqnaSAwi QawumaSqwaLuganDumenqdE waguge mawqcaSeve. bEnqkuge siyAsatakaSq wenqme matI wagewq dinunqwotumAweku, mikanq kurevemunqdanI wenqmematI winqsAfAwi hAmakanq wonqnAne gotakaSqbalawigenqneve. bEnqkunq balanI konqme wagewqgawi mAlI fawidA wewqkurumakaSq nUneve.wekamaku, winqsAfAwi sulUkI minqganDuge terEgawi bawiverivegenq fawidA hOdumaSeve.bEnqkAbehE hurihA farAtqtakaSq, demehewqTenivi fawidAwewq hOdawidinumakI viyafArIgemuhinqmu lanDudanDiwekeve.

wigutisAdI fawidA wewqkurunq wigutisAdI fawidA wewqkurunq wigutisAdI fawidA wewqkurunq wigutisAdI fawidA wewqkurunq wigutisAdI fawidA wewqkurunqwigutisAdI fawidA wewqkurunq )wikonomikq veliyu weDeDq(, miwI fawidA vazanqkurumugawibalA minqganDekeve. mIgawi balanI hiwqsAdArunqge jumqla fawisA winqvesqTqkurumugewageve.

wigutisAdI fawidA wewqkurunq wigutisAdI fawidA wewqkurunq wigutisAdI fawidA wewqkurunq wigutisAdI fawidA wewqkurunq wigutisAdI fawidA wewqkurunq

winqvesqTqkoSqfawivA hiwqsAdArunqge fawisA winqvesqTqkoSqfawivA hiwqsAdArunqge fawisA winqvesqTqkoSqfawivA hiwqsAdArunqge fawisA winqvesqTqkoSqfawivA hiwqsAdArunqge fawisA winqvesqTqkoSqfawivA hiwqsAdArunqge fawisAhiwqsAdArunqge fanqDuwewqkuranq: lOnuge gewqlumaSq hedi jumqla pqroviRanq

libunu libunu libunu libunu libunulibunu fawidA TekuhaSq kenDumaSqfahuwewqkuranq: lOnuge gewqlumAwi pqroviRanqkanDanq: foheli lOnuge gewqlunq

seTqfikqTq wofq DipoziTqgawi 21 mahaSq hiwqsAdArunqge fawisAbehewqTumuge rETaSq risqkaSq wewqkurevE 2 winqsawqtawewqkurumunq )winqsawqta(hiwqsAdArunqge fawisAge wevarejq waguwigutisAdI fawidA wewqkurunq wigutisAdI fawidA wewqkurunq wigutisAdI fawidA wewqkurunq wigutisAdI fawidA wewqkurunq wigutisAdI fawidA wewqkurunq

2001

234,548

35,787

270,335

56,112

4,340

-

60,452

10.000%

24,681

35,771

2002

247,385

40,127

287,512

23,183

16,276

-

39,459

9.833%

27,427

12,032

2003

272,599

56,403

329,002

25,214

32,881

-

58,095

9.167%

28,258

29,837

2004

338,327

87,704

426,031

76,683

31,301

-

107,984

6.333%

23,908

84,076

2005

421,204

137,011

558,215

94,440

49,307

(86)

143,661

6.000%

29,527

114,134

)rufiyA hAhunq(

93

vesq wEnAge masawqkateve. cIfq fawinEnqCalq wofisar ge wenqme muhinqmumasawqkatakI wenqme rangaLu winqTarnalq konqTqrOlq siyAsatutakewq tanqfIzukurumeve.wehenqme fawisA husqviya nudinumAwi fanqDqtawq balahawqTAne gotqtakewq gAwimukurumeve.wadi finEnqsq DipArTqmanqTAwi winqTarnalq wODiTq DipArTqmanqTqge muvawqzafunqgefenqvarumatikoSq dinumaSq vazIfAge tamqrInu dinumakI vesq cIfq fawinEnqCalq wofisarge masawqkatekeve. tinq wesisqTenqTq jeneralq menEjarunq )wEjIwemq( masqwUluvevaDawiganqnavanqjehE dAwirAtawq vanI kanDaweLifaweve. wewqbEfuLaku viyafAri bEnqkinqgwAwi lOnAbehE dAwirAweve. wanewq bEfuLaku KazAnA wAwi bEruge bEnqkutakAwi viyafAri wAwibEraSq fawisA fonuvawidinumuge muWAmalAtutakuge Kidumatq dinumAwi winqformECanqTekqnOlojI wAwi kADq senqTar ge dAwirAweve. wadi tinqvana bEfuLA tarawqQIge bEnqkinqgwAwi hiwumanq risOsasq wAwi widArI hinqgumeve. mawi wofIhugawi masawqkatqkurawqvA21 DipArTqmanqTq menEjarunqnAwi 81 gofIge menEjarunq ripOTqkurawqvanI kurinqdenqnevi sIniwar menEjqmanqTq TImaSeve.

tinq wesisqTenqTq jeneralq menEjarunqnAwi cIfq kqreDiTq wofisar himenE kqreDiTqkomiTIge jalqsAtawq, cIfq kqreDiTq wofisar ge riyAsatuge daSugawi, gavAwidunqbAwqvawi lOnaSq wedi huSahaLA huSaheLunqtakAbehE gotunq bEnqkuge lOnA behE siyAsatugewalIgawi maCqvarAkureveweve. lOnaSq wedi huSahaLA huSaheLunqtakuge terewinq 000,001rufiyA waSq vure matI huSaheLunqtawq welOnewqge minqvarunq huwqdadewqvumaSq hamajehifawivAfarAtaSq genqdiyumuge kurinq kqreDiTq komiTIgawi maCqvarA kureveweve. wehenqme,wekidAwirAwaSq lOnu devifawi wotqgotAwi wufewqdunqteri nUnq weseTqtakAwi lOnAwi behEweki kanqtawqtawq hamajehifawivAgotq kqreDiTq komiTI winq balaweve.

cIfq wegqzekqTivq wofisarAwi cIfq kqreDiTq wofisarAwi cIfq fawinEnqCalq wofisarAwitinq wesisqTenqTq jeneralq menEjarunqnAwi winqsqpekqCanq DipATqmanqTqge menEjardAwimI memqbarunqge gotugawi tiwqbavA ”weseTq wenqDq lawibiliTIzq komiTI“ )walqkO(gavAwidunq bawqdaluve fawisA netumuge kanqtawqtakAwi fanqDq belehewqTumAwi rawusqmAlAbehEsiyAsatAwi winqTarnalq konqTqrOlqge mawqcaSq balamunq genqdeweve.

menEjqmanqTq TImunq Wawqyanq kurawqvA menEjarunq himenE ”winovECanq komiTI“ wakunqmasawqkatq rangaLu kurumAwi Karadutawq kuDakurumAwi kasqTamarunqnaSq fOrukoSqdevEKidumatq rangaLukurunq fada kanqtawqtakaSq wamalI sifa genawumAmedu maCqvarA kurawqvamunqgenqdavaweve. mikomiTIge huSaweLumakA wewqgotaSq bEnqkugawi cekq DipoziTq meCinewqbahawqTAfawiveweve. wadi kasqTamarunqnaSq devE Kidumatq fuLAkurumuge gotunq bAzArubqrAnqcunq havIru Kidumatq demunq genqdeweve.

menEjqmanqTq TImunq howqvavAfawivA menEjarunq himenE ”TqrEninqg komiTI“ wewq woveweve.mikomiTIge bEnumakI muvawqzafunqnaSq bEnunqvA tamqrInutawq fAhagakurumAwi bEnqkugawibAwqvA tamqrInu pqrogqrAmqtawq rAvawi hinqgumeve. wehenqme wekiweki tamqrInu pqrogqrAmqtakAmedubawiverinq dekEgotq belumAwi hingamunqdA tamqrInu pqrogqrAmqtawq wituraSq tarawqQIkurumAwibEnqkaSq walaSq vanqna muvawqzafunqnaSq hinqgA tamqrInutawq rAvawi hinqgumakI vesqmikomiTIge masawqkatekeve. wadi sqkoTqlEnqDqge cArTaDq winqsqTiTiwuTq wofqbEnqkarsq)sI wawi wO bI wesq( pqrogqrAmqgawi kiyavamunqdA wEge bawiverinqnaSqkiyevumugawi wehIvumakI vesq mikomiTIge kamekeve.

mihAtanaSq komiTIge HarakAtqtakaSq balAwiru sqkoTqlEnqDqge cArTaDq winqsqTiTiwuTqwofq bEnqkarsq pqrogqrAmq feSumAwi kiyevumaSq cuwqTI dinumugawi wamalukurAne




gavAwidA wewqgotaSq kanqtawqtawq hurEtO wAwi manI lOnqDarinq nukurumuge mawqcaSqhamajehifawivA gavAwidA wewqgotaSq kanqtawqtawq hurEtO musqtaQiwqlu wofisaraku balamunqgenqdeweve.

wAmqdanI hOdumaSq hinqgA kudi maCqrUWutakaSq bEnqkunq lOnu dUkuramunqdE

kasqTamarunq ge fasEhawaSqTakawi cekqDipoziTq foSqTewq bEnqkunq vanI bahawqTAfawi

94

vana waharu wetawq satEka wA viyafAriverinq kqreDiTq kADAwi DebiTq kADu gabUlukurumaSqwewqbasqve sowikoSqfawiveweve. mIge wituraSq, bEnqkq wofq mOlqDivqsq winq rAwqjEgehurihA rizOTewqgawihenq ”powinqTq wofq sElq“ )pIwOwesq( TArminalqbahawqTawifawiveweve. 5002 Disemqbarge niyalaSq, rizOTqtakAwi mAlEge viyafAriwAwi KidumatqdE tanqtanAwi bawewq watoLutakugawi jumqla 558 pIwOwesq TArminalqbahawqTAfawiveweve.

kasqTamarunqnaSq devE Kidumatq furihamakurumuge gotunq, bEnqkq wofq mOlqDivqsq kADqsenqTar winq kasqTamarunqnaSq muLinq wA Kidumatewq taWArufq koSqfiweve. wewIwETIwemq bilqpE sarvisq - wETIwemq meduverikoSq bilaSq fawisA dewqkumuge Kidumateve.mifasEha bEnunqkoSqgenq kasqTamarunqnaSq wemIhunqge TelefOnu bilaSq fawisA dewqkumugefurusatu hOdawidinumuge gotunq bEnqkunq vanI dirAgAwi vaYaniwqyA )muvABalAtI KidumatqdEfarAtqtawq( wA weku wewqbasqvumugawi sowikoSqfaweve. wETIwemq bilqpE meduverikoSqkasqTamarunqnaSq wemIhunqnaSq fasEha vagutewqgawi wemIhunqge fawisA winq bilaSqfawisA dewqkumuge fasEha libeweve. kasqTamarunqnaSq wemIhunqge bilq dewqkumaSqkawunqTar kawirI kiyUgawi tibEkaSq nujehEneweve. bEnqkunq kawiri musqtagubalewqgawirAwqjEge wehenihenq muhinqmu KidumatqdE kunqfunitakaSq, miKidumatq fOrukoSqdinumaSq vanIgasqdukoSqfaweve.

wofq mOlqDivqsq kADq senqTar waSq muwqsandikanq libi kqreDiTq kADaSq libEwewqcewq wituruvAneweve.

bEnqkq wofq mOlqDivqsq winq vIsA kADu dUkuranq faSAfawivumAweku, salAmatI witurusifatawq garanqTIkurevifawivA vIsA sqmATq kADq taWArafu kurumaSq rEvifawiveweve.vIsA sqmATq kADq hadAfawivanI weterEgawi cipewq lawigenqneve. mIge sababunqrawqkAterikanq wituruve kADu vagaSq hadanq wundagUvefawi vagu kopI nuhedEneweve.

kurimaguge misqrAbAwi bEnqku hinqgunq kurimaguge misqrAbAwi bEnqku hinqgunq kurimaguge misqrAbAwi bEnqku hinqgunq kurimaguge misqrAbAwi bEnqku hinqgunq kurimaguge misqrAbAwi bEnqku hinqgunq

konqme waharaku, cIfq wegqzekeTivq wofisar )sIwIwO( wisqbEfuLakaSq hunqnavawigenqsInawar menEjqmanqTq TImunq varaSq rangaLaSq tanqgIdI nazarakunq viyafArIge rEvunqbawqlavaweve. wadi bajeTq hadanI kuriwaSq wonqna hataru waharaSq ”rOluvA wusUlu“nqneve. bEnqkugawi harudanAkoSq huri kanqtawqtakaSAwi harudanA kurevidAne kanqtakaSAwifurusaatutakaSAwi libidAne gewqlunqtawq rangaLaSq vazanqkurumaSqfahu, viyafArIge rEvumAwi)kOparETq pqlEnq( bajeTqgawi lanDudanDitakAwi wemagusadutawq hAsilukurAne gotqtakAwimuwqdatutawq himananI bEnqkuge taBawqvurAwi magusadutakaSq balawigenqneve. debasqvevenqnetq fadawinq, bEnqkugawi wamAzaSq masawqkatqkurumuge sagAfatewq wufedifawivanIviyafArIge rEvumAwi bajeTqge sababunqneve. mIge wehIgawi wewqwaharunq wanewq waharaSq,bEnqku danI rekODu minqvarewqgawi wufewqdunqterikanq hAsilukoSq we magAmudamahawqTamunqneve.

cIfq wegqzekqTivq wofisar wakI bawinalqwaQqvAmI tajuribA libifawivA, wECiyApesifikqge sIniwar bEnqkarewqkamugawivA misq serInq hO wowi kuwenq weve. mInAwanqnanivi kanqkamugawi menEjqmanqTq TImaSq magudawqkavaweve.

hinqgumuge wusUlutakAwi gotqtawq hamajewqsumugawi wOganawizECanqge tasawqvurAwi magusadutawq wekaSaweLumugawi bizqnasq pqlEnAwi mAkeTq kurAne gotqtawq wekaSaweLumugawi mIhunq binAkoSq tamqrInu kurumuge pqlEnq tawqyArukurumugawi kqreDiTAwi fawisA husqvumAwi fanqDqtawq belehewqTumAwi winqTArnalq

konqTqrOlAwi rawusqmAluge siyAsatA guLEgotunq, risqkq belehewqTumugewoniganDewq tawqyArukurumugawi

sIniwar menEjqmanqTq TImq varugada kurumuge gotunq, bawinalqwaQuvAmI bEnqkinqg getajuribA libifawivA de bidEsInq bEnqkA guLiwqjeweve. wemIhunq bEnqkA guLunI 6002vana waharu feSumAweku, wekaku cIfq kqreDiTq wofisar )sIsIwO( ge magAmaSq,wanekaku cIfq fawinEnqCalq wofisar )sIwefqwO( ge magAmaSeve.

cIfq kqreDiTq wofisar ge masqwUliwqyatakI risqkq belehewqTumuge wenqme rangaLusiyAsatewq tanqfIzukurumeve. wadi fawisA dUkurevEne gotqtakAwi kqreDiTq kanqtawqhinqgawi belehewqTumAwi kqreDiTq DipArTqmanqTq rangaLukoSq varugada kurumAwi bEnqkqhinqgumugawi wenqme fawidAvAne gotewqge matinq kqreDiTqge kanqtawq behewqTumaSq magudewqkumakI




bEnqkq wofq mOlqDivqsq kADq senqTar winq masawqkatqkuramunq genqdanI winqTarneTqbEnqkinqg pqleTqfOmewq tawqyArukoSq, kADu genqguLE farAtqtakaSAwi wekawunqTq genqguLEfarAtqtakaSq bEnunqvA bEnqkinqg Kidumatqtawq fasEha kamAweku libi dinumaSeve.duniyEge wetawq mitAngawi winqTarneTq bEnunqkurunq wituruvefawivumAweku, bEnqkugewamAzakI vIhA wavahakaSq winqTarneTq bEnqkinqg feSumeve. kADq senqTarge wuwqmIdakIwinqTarneTq bEnqkinqg waSq varaSq boDu taruHIbewq libumeve. wehenI mIge sababunq,fasEha kamAweku gEgawi tibegenq muWAmalAtutawq kurevEnetIweve.

bEnqkq wofq mOlqDivqsq winq 6002vana waharuge terEgawi maCqhUru mAsqTarkADqdUkurumuge kanqtawq feSumaSq vanI nimifaweve. mAsqTarkADakI duniyEge hurihA tanewqgawiwenqme ginabayaku QabUlukurA kqreDiTq kADeve. bEnqkunq mikADu dUkuranq feSumunq bEnqkq

dirAgu bilaSq bEnqkq wofq mOlqDivqsq wETIwemq takAwi bqrAnqcq takunq fawisA dewqkEne gotqwifqtitAHq kurumuge HafqlA

95

farAtunq wufawqdavAfawivA fiCarIzq DivelopqmanqTq pqrogqrAmqge lOnq sqkImAwiwegqrikalqcaralq DivelopqmanqTq pqrogqrAmqge lOnq sqkImq hinqgawi balahawqTA farAtakaSqweminisqTqrI winq hamajawqsavAfawivanIvesq DivelopqmenqTq bEnqkinqg selq weve.

wilekqTqrOnikq bEnqkinqg wAwi kADq senqTar wilekqTqrOnikq bEnqkinqg wAwi kADq senqTar wilekqTqrOnikq bEnqkinqg wAwi kADq senqTar wilekqTqrOnikq bEnqkinqg wAwi kADq senqTar wilekqTqrOnikq bEnqkinqg wAwi kADq senqTarbEnqkq wofq mOlqDivqsq plk wakI komqpiwuTar bEnunqkoSqgenq bEnqkinqg ge Kidumatqwenqme furatama rAwqjewaSq taWArafqkuri bEnqkuge wituraSq, rAwqjEgawi huri hama wekaniwasqlu tanuge bEnqkeve. bEnqkuge hurihA gofitakewqvanI komqpiwuTar meduverikoSqvagutunq vagutaSq guLifaweve. mIge sababunq kasqTamarunqnaSq fasEhakamAweku,rAwqjEgawi wekasqTamaraku huritanakunq Kidumatq libumuge magu tanavasq vefawiveweve.bEnqkuge farAtunq wiQqtiBAduge hurihA dAwirAwakaSq wilekqTqrOnikq bEnqkinqg wAwiDebiTq kADAwi kqreDiTq kADuge Kidumatq dinumaSqTakawi bEnqkunq vanI wekamaSq bEnunqvAwenqme fahuge TekqnOlojIwaSq winqvesqTqkoSqfaweve. wenqme furatama kqreDiTq kADu)vIsA, mAsqTarkADu wadi wemerikanq wekqsqpqresq( balawiganqnanq faSawi, 4002vana waharu wemerikanq wekqsqpqresq kADu dUkoSq, bEnqkq wofq mOlqDivqsq kADqsenqTar 5002 vana waharu vanI fAhaga kurevE varuge kuriwerumewq hOdAfaweve.

rAwqjEgawi wenqme furatama milqkuveri kADewq taWArafu kurI mAcq 1002 gawi, bEnqkqwofq mOlqDivqsq winq kamaSq viyasq, wEru we waSq wehA boDu kAmiyAbewq libifawewqnuveweve.namavesq mihAru wekADuvefawivanI wenqme ginabayaku muWAmalAtutakuge wagu wadAkurAvaBIlatewq kamugaweve. vIsA DebiTq kADq taWArafu kurumAweku, kAmiyAbu wewqcakaSqvumakIHawirAnqvAnqvI kamewqnUneve. wewI wekADu rAwqjewinq bErugawi vesq bEnunqkurevEtI libEbOnahewqge sababunqneve. bEnqkq wofq mOlqDivqsq ge Kidumatqtakuge terewinq wenqmehaluwikoSq kuriwaramunqdA wekawqcakaSq wekADu vanI vefaweve. 5002 febqruwarI gawivIsA kqreDiTq wadi DebiTq kADu taWArafqkurunq vefawivanI bEnqkuge tArIKugawi HABilqviwenqme fALukanq boDu kanqtawqkamugaweve. mikADu libumuge winqtizArugawi wetakewq hAsqkasqTamarunq tibiwiru, midekADaSqme bEnunqvAnekamaSq lAfAkurivaraSqvure bEnunqvA minqvarumA mawqceve. 5002 vana waharu nimunu wiru WamalI gotunq bEnunqkurevE bEnqkq wofqmOlqDivqsq kECqkADu ge wadadakI 000,56 weve. vIsA DebiTq kADuge wadadu vanI006,3 waSqvure wituruvefaweve. wemerikanq wekqsqpqresq wAwi vIsA kqreDiTq

kADuge kAmiyAbIge natIjAwewqge gotunq mikuru muwqdatuge terEgawi 004,5 waSq vuregina kADu dUkurevifawive weve.

rAwqjEgawi kADu genqguLEmIhunq wituruvumAweku, bEnqkq wofq mOlqDivqsq kADu senqTargewamAzakaSqvefawivanI gina tanqtanunq kADu gabUlukurAgotq hedumeve. wehenqkamunq, 5002




bEnqkq wofq mOlqDivqsq kADu senqTaru ge kOlq senqTarunq 42gaDiwiru Kidumatq dE

bEnqkq wofq mOlqDivqsq winq vIsA kureDiTq wadi DebiTq kADu wifqtitAHq kurumuge HafqlAfawibar wuLandu wufewqdumaSq bEnqkunq wehIvedE

96

viyafArIge mAlI muwAmalAtu viyafArIge mAlI muwAmalAtu viyafArIge mAlI muwAmalAtu viyafArIge mAlI muwAmalAtu viyafArIge mAlI muwAmalAtubEnqkuge bEruge viyafAri kurIwaharA waLawibalAwiru 03.04 winqsawqta wituruve4002 vana waharu wotq 56.6 biliwanq rufiyAwinq 5002 vana waharu 33.9biliwanq rufiyAwaSq warAfawiveweve. miviyafArinq bEnqkuge jumqla wAmqdanI waSq 01winqsawqta hiwqsA koSqdIfawiveweve. miwaharu mawiganDugotewqgawi wimqpOTqkurevifawivanIDisemqbar 4002ge sunAmIgawi halAkuvi tanqtanq hedumaSq bEnunqvA WimArAtqkurumugetakewqceve. bEnqkuge farAtunq viyafArIge magutawq wufawqdawi bawiverivA bEnqkutakugeviwuga fuLAkoSqfawiveweve. wewI fasEhakamAweku viyafArIge fawisA wAwi matIwagugeleTarsq wofq kqreDiTq bEnunqkoSqgenq teyo wimqpOTq kurumaSeve. gina teyo wimqpOTqkurevunIsinqgapUrAwi meduwirumatIge mAkeTunq 662 miliwanq rufiyAge welq/sI waSeve.ginawinq wekqsqpOTq kurevunI sqrIlanqkA, tawilEnqDq, wingirEsivilAtAwi TawivAnaSeve.

DivelopqmenqTq bEnqkinqg selq DivelopqmenqTq bEnqkinqg selq DivelopqmenqTq bEnqkinqg selq DivelopqmenqTq bEnqkinqg selq DivelopqmenqTq bEnqkinqg selqrAwqjEge QawumI bEnqkuge hawisiwqyatunq bEnqkq wofq mOlqDivqsq vanI watoLutawqtarawqQIkurumuge masawqkatugaweve. migotunq tarawqQIge bEnqkinqg HarakAtqtakakI bEnqkuhinqgumuge muhinqmu bawekeve. watoLu takuge wAbAdI waSq KidumatqdE 21 gofi huLuvifawiveweve.mIge wituraSq 5 mObawilq bEnqkinqg yuniTq )dOni( bEnunq koSqgenq muLi rAwqjewaSqbEnqkinqg ge Kidumatq deveweve. waharu nimunu wiru bEnqku gawi tibi 814 muvawqzafunqgeterewinq 63 winqsawqta vazIfA wadAkuramunqdanI tarawqQIge bEnqkinqg dAwirAgaweve.tarawqQIge bEnqkinqg winq jumqla wAmqdanI waSq vadefawivanI 51 winqsawqtaweve. wewI9.15 miliwanq rufiyAweve.

5002 vana waharu walaSq huLuvunI hamawekani wEpqrilq gawi huLumAlEgawi huLuvunugotqpeve. migofi huLuvumunq gofitakuge wadadu 81 waSq weriweve. waharu nimunu wiru

hurihA gofitakunqvesq danI fawidAvamunqneve. waharuge fahu 9 mahugawi huLumAlE gofinq352,316 rufiyA fawidAviweve.

wuturAwi medurAwqjeterewaSq, hw nq l watoLaSq, hinqgE weTolqsq kqreDiTq wenqDqDivelopqmanqTq bEnqkinqg pqrojekqTq )wE.sI.DI.bI.pI( wAwi wenqme dekunuge hataruwatoLaSq, gw, gd, N wadi s watoLaSq, hinqgE sadanq weTolqsq DivelopqmanqTqpqrojekqTq )wesq.wE.DI.pI( bEnqkuge farAtunq hinqgamunq genqdanI tarawqQIge bEnqkinqgharakAtqtakuge terewinqneve. furatama pqrojekqTaSq bEnunqvA fawisA libifawivanIdigumuwqdatewqge terEgawi wadAkurAgotaSq winqTarnECanalq fanqDq for wegqrikalqcaralqDivelopqmanqTq )wifADq( winq fawisA nagawigenqneve. wehenqme devana pqrojekqTaSqbEnunqvA fawisA libifawivanI wifADq wAwi wOpekq fanqDq for winqTarnECanalqDivelopqmanqTq )wOpekq( winqneve.

migofi takuge wituraSq, medurAwqjeterEge tinq watoLukamaSqvA k, ww wadi wd watoLaSqbEnunqvA tarawqQIge bEnqkinqg ge Kidumatq demunqgenqdanI mAlewinq, DivelopqmanqTqbEnqkinq selq winqneve.

DivelopqmenqTq bEnqkinqg selq winq hinqgA maCqrUWutakuge terewinq raSqfuSugewAbAdIwaSq konqmehenq bEnunqvA fawisA libi, wewige wehIgawi wemIhunqnaSq wAmqdanIgerawqkAterikamAwi wufewqdunqteri weseTqge milqkqverikamAwi viyafAri hinqgumuge hunaruverikanqlibifawiveweve. miwinq fawidA libunu farAtqtakuge fahaSq rawqkAkurumuge wAdawAweku,mimaCqrUWutakunq wemIhunqge kibawigawi bEnqkinqg sagAfatuge binqgA waLawidIfawiveweve.mimaCqrUWutakugawi varaSqboDaSq wanqhenunqnaSq wamAzukurevifawi wotumAwiweku, wanqhenunqgemedugawi varaSqboDu hElunqterikamewq wituruve, wemIhunqnaSqvesq wemIhunqge dawurewqvAkanq wenqme kuDaminunq fAhaga vegenq hingawqjeweve.

5002 vana waharuge terEgawi mawiganDu gotewqgawi kuriwaSq genqdevifawivanImaCqrUWugawi kanDawaLAfawivA farAtqtakaSq, wamAzukurevE kudi lOnu dUkurumuge kanqtakeve.

kurI waharekE wewqgotaSq, 6002 vana waharuvesq, DivelopqmenqTq bEnqkinqg selqwinq masawqkatqkurAnI tarawqQIwaSq fawisA dE farAtqtakunq fawisA hOdawigenq watoLutawqwArAsqtukurumaSq wehIvumaSeve.

DivelopqmenqTq bEnqkinqg selq vanI nECanalq DizAsqTar menEjqmanqTq senqTarunqvilaresq kurawqvawigenq sarukArunq hinqgavA wawilenqDq lawivqlihuDq rivawiTalawizECanqwenqDq DivelopqmanqTq pqrogqrAmq )wawi.welq.wAru.DI.pI( ge daSunq hinqgA lOnq sqkImqge kanqtawq balahawqTawi hinqgAfarAtewqge gotugawi minisqTqrI wofq finEnqsq wenqDqTqreRarIge farAtunq hamajawqsavAfaweve. wehenqme, divehi viyafAriverinqge QawumI jamqWiwqyAwAwi mOlqDivqsq wesOsiwECanq wofq TUrizamq winqDasqTqrI guLigenq wufawqdAfawivAlawivqlihuDq rivawiTalawizECanq pqrogqrAmq )welq.wAru.pI( ge lOnq sqkImq hinqgAfarAtewqge gotugawi wedefarAtunq vesq kanDawaLAfawivanI DivelopqmenqTq bEnqkinqgselq weve. minisqTqrI wofq fiCarIzq, wegqrikalqcar wenqDq merinq risOsasqge




97

muwqdataSAwi digumuwqdataSq kurimagugawi kurevE winqvesqTqmanqTqtakaSq bEnqkunqwehIterivedinumaSq CawuQuveriveweve. wewI viyafAri wuBUlunq fawisA dUkoSqgenqnAwitarawqQI waSq fawisA dE wejenqsItakAwi bawiverivegenqneve.

viyafAriwaSq fawisA dinumaSq )viyafAri fawisA/wimqpOrTqsq( balAwiru dUkurevifawivanIlOnugejumqlawige 3.11 winqsawqtaweve. sunAmIge fahunq feSifawivA wArAsqtukurumAwiwalunq binAkurumuge HarakAtqtawq wavasqvumAweku, WimArAtqkurumuge dAwirA waSq dUkurevifawivAlOnuge minqvarakI dUkurevifawivA lOnuge jumqlawige 4.7 winqsawqtaweve. huLumAlEgawiWimArAtqkurumuge pqrojekqTqtawq kuriwaSqdAtI, bEnqkunq dekenI kuriyaSq wotq waharumidAwirAtawq haluwikamAweku kuriwarAnekamaSeve. sunAmIgawi gewqlunqlibunu watoLutakugawiwinqfqrAsqTqrakqcar maCqrUWutawq kamugawi belevE bandaru hedumAwi gedoru binAkurumugemasawqkatAwi wArizOTqtawq hedumuge masawqkatq wadi wotIkuriwaSeve.

taketi wufewqdumAwi danDuverikamuge dAwirAwakI viyafArikurumaSq dUkurevE fawisA wenqmemadunq dUkurevE dAwirAweve. taketi wufewqdumaSq dUkurevifawivA minqvaru 5.2winqsawqtawigawi huri wiru danDuverikaamaSq dUkurevunu minqvaru 1 winqsawqta waSqvurekuDaweve. wabaduvesq bEnqkunq masawqkatq kuramunq genqdanI bEnqkuge weseTqtawqtafAtu bawitakuge terEgawi behewqTumA wekuwekIgawi fawisAge konqsanqTqrECanqkuDakurumaSeve.

rAwqjewaSq winqsAnI wehIterikanq fOrukoSqdinumaSq wawigina wamiwqla jamAWatqtakunqbEnunqvA bEnqkinqg ge Kidumatqtawq libiganqnanI mibEnqkunqneve. fuLAdAwirAwewqgawi

gofIge viwuga gAwimukoSq TekqnolojIge fasEha bEnunqkuramunqdA bEnqkakaSq midenqneviwamiwqla jamAWatqtakunq balamunq diya midanDivaLu, vEtuvediya waharutakugawi bEnqkunqhOdAfawivA rIti namAweku wemIhunqge CawuQu hOdawigenqneve.

rizOTq hoTAtawq walunq tarawqQIkurumaSq, walunq WimArAtqkurumaSq nuvata wAbAtura filuvumaSqbEnunqvA fawisA hOdawidinumugawi bEnqkunq WamalIgotunq bawiveriveweve. migotunq DipoziTqqfawisAwinqnAwi kurumuwqdataSAwi medumuwqdataSq rAwqjewinq bErunqgenqna fawisAbEnunqkureveweve. sunAmIwaSq fahu woLuveli rizOTq walunq tarawqQIkoSq KidumataSqgenawumaSq, 5002 vana waharu bEnqkunq 51 miliwanq yUwesq Dolarge sinqDikECanewqhamajawqsawidineve. mikamugawi rAwqjEgawi hunqna debEnqkakAwi bEru bEnqkewq bawiveriviweve.




woLuveli rizOTq walunq taraawqQI kurumaSq 51 miliwanq yU wesq Dolaruge sinqDikECanewq bEnqkq wofq mOlqDivqsq hamajawqsawidinq

sunAmIgawi halAkuvefawivA mulakatoLu maDifuSi

98

bEnqkufuLAvamunqdA gotaSq balAwiru, bEnqkunq vanI wituru hiwqsA viwqkumaSq rAvAfaweve. huwqdakurevifawivA rawusqmAluge gotugawi 13 Disemqbar 5002ge niyalaSq wotIkurinqvesq wegotaSq wotq wadadukamugawivA 000,000,003 rufiyAweve. wadi wetArIKuge niyalaSq dUkoSq wagu wadAkoSqfawivA rawusqmAluge gotugawi wotI hama kurinqvesq wotq000,615,63 rufiyAweve.

rawusqmAAlu fudEkanq wanqgawidE minqganDu hurI duLaheyokoSq 73.21 winqsawqtawigaweve.miwI mOlqDivqsq maniTarI wotOriTI winq hamajawqsavAfawivA risqkq vewiTeDq minqganDugedaSunq hunqnanq lAzimqkurA wenqmemadu minqvarukamugawivA 8 winqsawqta waSq vureginaminqvarekeve. bEnqkuge mawiganDu rawusqmAlugeminqganDu hurI 9.9 winqsawqta waSqvure matikoSeve. miwI mOlqDivqsq maniTarI wotOriTI winq kanDawaLuwqvAfawivA mawiganDurawusqmAluge minqganDuge daSunq hunqnanq lAzimqkurA madu minqvarukamugawivA 4winqsawqta waSq vure gAtqganDakaSq dEwqbawi guna wituru minqvarekeve.

bEnqkuge rawusqmAlu fudEkanq wanqgawidE minqganDu kamugawivA Tayar 1 nuvatamawiganDu rawusqmAlu wadi jumqla rawusqmAlu)Tayar 1 wadi Tayar 2 wewqkoSq(mihAru duLaheyokoSq dewqkinamavesq daSqvamunqdAkamaSq waLuganDumenqnaSq nOTqkureveweve.wewI mAfawidAvanivi gotewqgawi rawusqmAlu lOnAwi weDqvAnqsqge gotugawi bEnunq kurevemunqdiyumunqneve. mIge natIjAwakI hiwqsAdArunqge fanqDaSq libE nafA wituruvumeve.

kOparETq bEnqkinqg kOparETq bEnqkinqg kOparETq bEnqkinqg kOparETq bEnqkinqg kOparETq bEnqkinqg5002 vana waharu bEnqkunq viyafArIge dAwirAgawi HarakAtqterivAfarAtqtakaSAwi medufanqtIgemArkeTqtakaSq dUkurA fawisAge minqvaru varaSq boDutanq witurukoSqfawivumAweku,mivegenqdiyawI bEnqkaSq wAmqdanI libE wenqme boDu vasIlatqkamugaweve. Disemqbar5002 nimunu wiru, viyafAri dAwirAge bEnqkinqg winq bEnqkuge jumqla wAmqdanIwaSqwaLawidinq bawi vanI 82 winqsawqtawigaweve. bEnqkuge viyafArIge dAwirAge kasqTamarunqgegotugawi himenenI rAwqjEge boDeti viyafAritakeve. mIgawi rizOTq hoTAtakAwi viyafArikunqfunitakAwi muvABalAtI kunqfunitakAwi viyafAriwAwi WimArAtqkurumAwi masqverikamAwibOTufaharu duwqvumAwi muhinqmu KidumatqtawqdE sarukAruge kunqfunitawq himeneweve.

viyafArIge dAwirAgawi HarakAtqterivA mawiganDu kasqTamarunqnaSq fawisA dUkurumugawibEnqkunq genqguLE gotakI wefarAtqtakuge bEnunqtawq fuwqdawidinumuge gotunq muLi pekejqdEwuBUleve. midenqnevi pekejqge terEgawi wilekqTqrOnikq bEnqkinqgwAwi kqreDiTq wadiDebiTq kADuge KidumatAwi, viyafAriwaSq bEnunqvA rawusqmAlAwi fawisA dinumAwi fawisA




bEraSq fonuvawidinumuge KidumatAwi maCqrUWu hinqgumaSq fawisA dUkurunq fada kanqtawqtawqhimeneweve.

mihAru balamunq migenqdA waharuge furatama bayaSq balAwiru, viyafArIge dAwirAgawiHarakAtqterivA kasqTamarunqnaSq sunAmIgawi kurimativi datitawq fUbewqdumugawi bEnqkugewehIterikanq dIfawiveweve. migotunq wefarAtqtakaSq dUkoSqfawivA lOnu wanburA dewqkumugawiluwigotqtakewq)fawisA wanburA nudawqkawi 6-8 mahuge muwqdatewq dinunq( hadawidinumAwiwehenihenq Hawqlutawq hOdawidinunq himeneweve. mikanq gina viyafAriverinq duSI sunAmIgawilibunugewqlunqtawq rangaLukoSq marAmAtukurumuge terEgawi wemIhunqge TUrisqTq rizOTqtawqwAkoSq wAbAtura filuvumaSq libunu furuBatewqge gotugaweve. dimAvi kuwqli huwqTumaSqfahu,fatuverikamuge BinAWatu wavahaSq rangaLuvegenq wawisq 5002 vana waharu nimunuwiruvanI sunAmIge kurinq wotq HAlataSq wenburi wAdevifaweve.

bEnqkunq dUkoSqfawivA weDqvAnqsqtakuge jumqlawaSq balAwiru 84 winqsawqta dUkoSqfawivanIfaturuverikamuge dAwirAwaSeve. wehenihenq harakAtqtakaSq 02 winqsawqtaweve. wehenihenqharakAtqtakuge terEgawi himenenI wilekqTqrisiTI wAwi gEhAwi, fenAwi sAfutAhirukamugeKidumatqtakaSq)33.0 winqsawqta(, daturufaturAwi sqTOrEjq, komiyunikECanqsq)83winqsawqta(, KidumatqtakaSq)71 winqsawqta(, muvawqzafunqnAwi wekaSIgenqvAvaraSqtafqBIlq netq harakAtqtakaSq)54 winqsawqta( weve.

masqverikamakI jIDIpI waSq devanawaSq wenqme ginawinq hiwqsAkurA dAwirAweve. Disemqbar5002 nimunuwiru midAwirAwaSq bEnqkunq dUkoSqfawivA lOnuge minqvaru vanI 003miliwanq rufiyA gaweve. 4002vana waharu miwadadu wotI 122 miliwanq rufiyAgaweve. mihAru bEnqkakI midAwirAwaSq wenqmeginawinq fawisAdUkurAfarAteve. migotunqwenqme boDaSq Kidumatq libiganqna farAtqtakuge terEgawi sarukAruge masqverikamugekunqfunqNAwi masqverikamugee dAwirAgawi wisqkoSq HarakAtqterivA wamiwqlakunqfunitawqhimeneweve. bEnqkuge tarawqQIge bEnqkinqg bawinq masqdOnifaharu banumaSAwimahuge wufewqdunqtawq tawqyArukurumaSq fawisA dUkurewevee. wunqmIdunq furigenqvAmasqverikamuge dAwirA, wituraSq fuLAkoSq demehewqTenivi gotewqgawi kuriweruvumaSq medu

hiwqsAdArunq behifawivAgotq tirIgawi wevanIweve.

5002.21.13 gawi tibi hiwqsAdArunq 5002.21.13 gawi tibi hiwqsAdArunq 5002.21.13 gawi tibi hiwqsAdArunq 5002.21.13 gawi tibi hiwqsAdArunq 5002.21.13 gawi tibi hiwqsAdArunqhiwqsAge wadadu hiwqsAge wadadu hiwqsAge wadadu hiwqsAge wadadu hiwqsAge wadaduwadadu )rufiyA( wadadu )rufiyA( wadadu )rufiyA( wadadu )rufiyA( wadadu )rufiyA(hiwqsAgewinqsawqta hiwqsAgewinqsawqta hiwqsAgewinqsawqta hiwqsAgewinqsawqta hiwqsAgewinqsawqtasarukAru770,26001,326,8115sqTETq TqrEDinqg wOganawizECanq plk )wesqTIwO(680,6008,528,15mOlqDivqsq TqrAnqsqpOTq wenqDq konqTqrekqTinqg komqpenI plk )wemqTIsIsI(680,6008,528,15sarukAru muvawqzafunqge pqroviDenqTq fanqDq559,01005,682,39rawqyitunqge wekawunqTqtawq*680,6008,528,15wAnqmunq034,03000,921,952jumqla027,121000,615,63001*minisqTqrI wofq weTolqsq DivelopqmanqTq meduverikoSq raSqraSAwi watoLu rawqyitunqge wekawunqTqtakaSq ganefawivA hiwqsA

99

pqroviRanq hedifawivEmeweve. rangaLu fenqvarewqgawi huri lOnuge jumqla minqvarakIlOnAwi weDqvAnqsqge muLi jumqlawige 19 winqsawqtaweve.

fawidA bawibayaSq weLumuge kurinq, hiwqsAdArunqge fanqDuge jumqla 124 miliwanqrufiyA waSq wituruvefawiveweve. miwI 4002ge mAlI waharAwi waLawibalAwiru 42winqsawqtawige kuriwerumekeve. 5002 ge mAlI waharu nimunuwiru, 003 rufiyAgemUnumatI wagugawi bEnqkunq dUkoSqfawivA 027,121 wAdawige hiwqsAge konqmehiwqsAwewqge fotuge wagu vanI 164,3 rufiyA waSq wufulifaweve. vEtuvediya dewaharuhiwqsAdArunqge fanqDaSq libunu minqvaru vanI 52 winqsawqtawigaweve.

4002 vana waharu hiwqsAwakaSq jehunu fawidAge gotugawi wotq 99.926 rufiyAwAwi waLawibalAwiru 5002 gawi hiwqsAwakaSq jehunu fawidA wituruve 88.577rufiyA waSq warAfawiveweve.

rawusqmAluge wonigan rawusqmAluge wonigan rawusqmAluge wonigan rawusqmAluge wonigan rawusqmAluge woniganDu Du Du Du Duhuwqdakurevi wagu wadAkurevifawivA hiwqsAge rawusqmAlaSq 5002ge mAlI waharugawibadalewq nAdeweve. miwI 8991 vana waharunq feSigenq mikanq hingamunq wawisqfawivAgoteve. mihAru wagu wadAkoSqfawi huri rawusqmAlAwi rizAvqge minqvarakI mOlqDivqsqmaniTarI wotOriTI winq wenqme madunq hunqnaanq lAzimqkurA minqvaraSq vure wituruminqvarekeve. wehenqme mi minqvarakI ”basqlE kepiTalq wekODq“ ge daSunq bawinalqwaQqvAmIgotunq lAzimqkurA minqvaraSq fetE minqvarewqmeweve. bEnqkunq fawisA dUkurevE minqvarAwi







mihenqvumuge sababakI viyafAriwA guLE wAmqdanI 51 winqsawqta waSq wituruvumAwiwadi kADA guLE viyafAri 891 winqsawqta wituruvumunqneve.

hinqgumuge Karadu 23 winqsawqta wituruve 921 miliwanq rufiyA winq 071 miliwanqrufiyA waSq warAfawiveweve. hinqgumuge Karadutawq wituruvegenq gosqfawivanI kADumemqbarCipq fIwAwi kADuge muWAmalAtutakA guLigenqneve. kqreDiTq kADuge Karadugegotugawi 4002 gawi wotq 6 miliwanq rufiyAwinq 42 miliwanq rufiyA waSq 5002gawi warAfawivanI kqreDiTq kADu pqrojekqTq haluwikoSq, wemerikanq wekqsqpqresq wAwivIsA wAwi mAsqTarkADu gabUlukurumAwi rAwqjEgawi furatama faharaSq wemerikanqwekqsqpqresq wAwi vIsA kADu dUkurumuge viyafAri feSumunqneve. miKaradutakA guLigenqlibE komiCanAwi wAmqdanI kurinq wiCArAtqkoSqli fadawinq vadegenqdanI fI wA guLEwAmqdanIge terewaSeve.

rawqkAterikamuge fiyavaLewqge gotunq bEnqkunq lOnuge gewqlumaSq hadA wAnqmu pqroviRanqgeminqvaru 5002 vana waharu nimunu wiru hurihA lOnakAwi weDqvAnqsewqge 1 winqsawqtawaSq witurukuruumunq pqroviRanaSq hingA Karadu vanI 41 miliwanq rufiyA wituruvefaweve.

muLi Qawumu loLuvAli 4002 vana waharuge sunAmIge CokaSq fasqjehumewqneti,bEnqkunq hitqhamajehE kuriwerumewq hOdamunqdAkanq fAhagaveweve. wehenqme bEnqkunqkasqqTamarunqnaSq viyafArIge tafAtu dAwirAtakunq Kidumatq demunq genqdevEmeweve.

bEnqkuge jumqla weseTq 62 winqsawqta waSq wituruve 1.4 biliwanq rufiyA waSq 13Disemqbar 5002 gawi warAfawivanI 13 Disemqbar 4002 gawi 3.3 biliwanqrufiyA gawi wovefaweve. wevarejqkoSq 5002 gawi weseTaSq libifawivanI 6.2winqsawqtaweve.

lOnAwi weDqvAnqsq 55 winqsawqta waSq wituruve 8.2 biliwanq rufiyA waSq wituruviwirukasqTamarunqge DipoziTq 82 winqsawqta wituruvegenq werI 5.3 biliwanq rufiyAwaSeve. lOnAwi DipoziTq waLawibalAwiru wevanI demehewqTenivi minqvarakaSq wituruve 13Disemqbar 5002 gawi 08 winqsawqtawigaweve. wewI 13 Disemqbar 4002gawi 66 winqsawqtawigawi wovefaweve. lOnAwi weDqvAnqsq wituruvumakI 4002jenuwarI gawi, bEnqkuge guLunqtakaSq wamAzukurevigenq mArkeTqkurumaSq feSifawivAkanqtawqtakewqge terewinq kamekeve. mikamuge terEgawi himenenI viyafArIge dAwirAge wenqmematIfaSalawigawi himenE kasqTamarunqnaSq viyafAri hinqgumuge fawisAwAwi lOnAwi wilekqTqrOnikqbEnqkinqg wAwi kqreDiTq kADuge viyafAri fOrukoSqdinumeve. wemIhunqge wijAbalibifawivanI furihama KidumatAwi wadi bEnqkuge maQqBadukamugawivA QawumaSq Kidumatqkurumugeterewinq Kidumatuge bawitawq wituru kurumAwi gofIge viyuga fuLAkoSqgenqneve.

bEnqkunq varaSq muhinqmugotewqgawi kasqTamar sarvisq dinumuge gotunq sunAmIgawigewqlunqvi rizOTqtakaSAwi watoLutakaSq vagutIgotunq masawqkatq faSawigatumaSq mAlIgotunqwehIterivedIfawiveweve. wehenqme sunAmIwaSq fahu 5002 vana waharuge terEgawi lOnqwanburAdewqkumuge tAvalutakaSq vesq bEnqkunq badalutakewq genesqdIfawiveweve.mihurihAkamewqge natIjAwakI lOnqge bawi wituruvegenq diwumeve.

5002 Disemqbar 13 ge niyalaSq wanburA nudawqkA wotq 058,03 lOnugeterewinq 99 winqsawqta waSq vure gina lOnakI rangaLufenqvarakaSq wEge kanqtawqhurikamaSq fAhagakurevigenq webawigawi himenifawivA lOnqtakeve. wanewq 1 winqsawqtavanI mOlqDivqsq maniTarI wotOriTIge gavAwidA wewqgotqvAgotunq wufewqdunqteri nUnqweseTqgebawigawi himanAfaweve. wufewqdunqterinUnq weseTqge kanDaweLEbawigawihimenElOnuge wadadakI wenqme 1 winqsawqta kamugawi vInamavesq, wEgawi lOnaAwiweDqvAnqsqgawi himenE jumqla fawisAge gAtqganDakaSq 9 winqsawqta himeneweve.mihenq dimAvI viyafArIge dAwirA waSqq tanqkoLewqkurinq dUkurevifawivA boDu dewadadunqneve.miwA guLigenq rizOTq raSqraSq rahunu kurevifawiveweve. wadi kanDaweLifawivA gotunq

101

5002 waSq balawilumewq 5002 waSq balawilumewq 5002 waSq balawilumewq 5002 waSq balawilumewq 5002 waSq balawilumewq

waharu feSunI yagInqkamewqnetq vilAganDewqge daSugaweve. sunAmIvanI mIhunqge diriwuLumAwigonDudoSqtawq funDAlAfaweve. wehenqme wEge sababunq mIhunqge visqnumAwi dekEgotqvesq vanI badaluvefaweve. wadi viyafArIge dAwirAgawi HarakAtqterivA mIhunqge visqnunqvesq vanI woLunq boLunq ganDewqge terEgaweve. wekamaku miyagInqkamewqnetq HAlatunqQawumu bEraSq nukumegenqfiweve. wadi miwAfeSumugawi bEnqkaSq bawiverivevEkamI bEnqkaSqlibE faKurekeve. fawisA husqviyanudinumuge mawqcaSq konqTqrOlq witurukurumAweku,risqkq menEjqkurumugawi taWurIfu libEgotakaSq masawqkatqkoSqgenq bEnqkuge wamAzaSqnuvata wewaSqvure kuriwaSq diyumaSq kaSavarukamAweku masawqkatqkurI sunAmIgawi gewqlunqlibunu rizOTqtakaSAwi watoLutakaSq mAlI wehIvedIgenqneve. 5002 vana waharu waLuganDumenqninqmAlI waLuganDumenqnA behE hurihAfarAtewqkamugawivA hiwqsAdArunqnAwikasqTamarunqnaSq, muvawqzafunqnAwi wemIhunqge WAwilAtakaSq, muLimujutamaWaSAwi QawumaSqwekaSIgenqvA wagewq devunukamuge visqnumugaweve.

viyafArI ge ginadAwirAtakugawi wufewqdunqterikanq varugadavumuge wehIwAweku 5002vana waharu bEnqkaSq libunu wAmqdanI rekODu minqvarakaSq warAfawiveweve. hurihA harakAtqtakunqvesq fenqnamunqdanI dirumAwi wituruvumeve. bEnqkuge Kidumatq libiganqna farAtqtawqwituruve viyafArIge muWAmalAtutawq rekODu minqvarakaSq warAfawivumAwekuvesq, bEnqkugerisqku wewqminqvarewqgawi hifahawqTawi wufewqdunqterinUnq weseTugeminqvarAwi lOnugegewqlumaSq hadA pqroviRanqtakaSq wekaSIgenqvA heyo badalu hOdifawivAkamaSq fAhagakureveweve.wagutawq wewqminqvarewqgawi konqTqrOlqkoSq wAmqdanI wituruvA minqvaru wagutawq wituruvAminqvaraSqvure varaSqq boDutanq matIgawi hifehewqTuneve.

rawusqmAluge fudE minqvarutawq hurI duLaheyokoSeve. risqkq vewiTeDq weseTqtawqwituruvegenq rawusqmAlaSq wituraSq bEnunqvA bEnunqvunq fUbewqdumaSq fawidAwinq nubahawibahawqTA bayaSq barOsAkurumuge wituraSq hiwqsAge bAzArugawi bEnqkuge wituru hiwqsAviwqkawigenq rawusqmAlu witurukurumaSqvanI rAvAfaweve.

mAlI hAlatu mAlI hAlatu mAlI hAlatu mAlI hAlatu mAlI hAlatu

bEnqkq wofq mOlqDivqsq plk wanewqkAvesq wufewqdunqteri waharewq ninqmawi, 5002vana waharuge Tekqsq negumuge kurInq wotq fawidAge gotugawi 621miliwanq rufiyAniwuLAlawifiweve. wewI Tekqsq negumuge kurInq 4002 vana waharu wotq 301miliwanq rufiyA waSqvure wituru wadadekeve. mifawidA HABiluvI mawiganDugotewqgawi5002 vana waharu lOnu 55 winqsawqtawaSq wituruve, waharu nimunuwiru lOnu fotugejumqla 8.2 biliwanq rufiyA waSq warawigenqneve.

bEnqkuge winqTaresqTq mArjinqge sAfu jumqla 22 winqsawqta waSq wituruve5002 vana waharu 571 miliwanq rufiyA waSq weriwiru, miWadadu 4002 gawi wotI341 miliwanq rufiyA gaweve. mihenq dimAvI mawiganDugotewqgawi daSqkoSq fawidA libEweseTqtawq fawisAge bAzArugawi winqvesqTqkurumuge badalugawi, matIfawidA libElOnAwi weDqvAnqsq dUkurumaSq DipoziTq wituruvumAweku wekamaSqq magufahivegenqneve.

jumqla wAmqdanI 52 winqsawqta wituruve 953 miliwanq rufiyA waSq werI 782miliwanq rufiyA gawi wovefaweve. wehenqme jumqla Karadu 72 winqsawqta wituruve332 miliwanq rufiyA waSq werI 481 miliwanq rufiyAwinqneve.

5002 vana waharu fI wAwi komiCanaSq libunu wAmqdanI 95 winqsawqta wituruve59 miliwanq rufiyA waSq weriwiru wewadadu 4002 gawi wotI 06 miliwanq rufiyAgaweve.




102

walqfAMilq WabqdulqHamIdu muHanqmadu )cewarmanq(, walqfAMilq muHanqmadu waHqmadu dIdI, walqfAMilq WimAdu BAliHu, walqfAMilq muHanqmadu WabqduwqsawqtAru, walqwusqtAJu waHqmadu HamqzA


103


bODu bODu bODu bODu bODu

kanAtunq vAtaSq: walqfAMilA fAYimatu nuzuhA, walqfAMilq wazamq fAriCq, walqfAMilA fAYimatu CIrInq WabqduF, walqfAMilq muHanqmadu Husawinq maniku, walqfAMilq waHqmadu WimAdu muHanqmadu, misq serInq hO wowi kuwenq )jIwemq/sIwIwO(,


104

cewarmanqge cewarmanqge cewarmanqge cewarmanqge cewarmanqge


5 buri WimArAtewq hedumaSAwi, s.ganq bqrAnqcq maradUfEdUwaSq badalukurumaSq wewqburIgeWimArAtewq hedumaSq rEvifawiveweve. tiyabEfuLunqge bEnqkunq wabaduvesq viyafArIge wAfuruBatu hOdawidinumaSq kurevE masawqkatauge terewinq winqTarneTq bEnqkinqgtaWArafukurunq fada kanqtawqtawq kuramunq genqdAneweve.

Cukuru Cukuru Cukuru Cukuru Cukuru5002 vana waharuge fawidA wA hamawaSq bEnqku genqdiya menEjqmanqTAwi muvawqzafunqnaSq,waLuganDu, DirekqTarunqge bODuge farAtunqnAwi waLuganDuge wamiwqla namugawi, varaSqwiKqlABqterikamA weku Cukuru danqnavameve. DirekqTarunq ge bODugawi himenivaDawiganqnavA waLuganDuge wekuverinq, bODugawi dewqvA waguhuri KiyAlufuLutakaSqTakawiwebEfuLunqnaSq waLuganDu Cukuru danqnavameve. wadi DirekqTarunqge bODuge farAtunqbEnqkuge cewarmanewqge gotunq walqfAMilq wibqrAhImq zuuhawiru, 91 novemqbar3002nq feSigenq 82 jUnq 5002waSq, koSqdewqvAfawivA masawqkatq fAhagakoSq,waLuganDu wEnAwaSq Cukurudanqnavameve. wehenqme hiwqsAdArunqnAwi kasqTamarunqbEnqkaSq dewqvA tAwIdAwi yagInqkamaSqTakawi wehurihA bEfuLunqnaSq waLuganDu Cukurudanqnavameve.

bEnqkuge DirekqTarunqge bODuge menqbarunqge gotugawi dAdi midAkaSq duvahA hamayaSqKidumatq kurewqvumaSqfahu vakivevaDawigenq wehenq masawqkatqtakugawi CAmiluvegenqwuLuwqvA farAtqtakaSq vesq waLuganDu mifuruBatugawi Cukuru danqnavameve. waLuganDaSqmagudawqkavawi, dewqvA wewqbArulewqvunq fAhagakoSq minisqTar wofq finEnqsq wenqDqTqreRarI walqfAMilq QAsimq wibqrAhImaSq nuhanu wiKqlABqterikamAweku Cukurudanqnavameve.

rAwqje binAkurewqvumugawi KAwqBakoSq rAwqjEge mAlI dAwirA wiBqlAHukurawqvawitarawqQIkurewqvumugawi genqguLuwqvA taBawqvuraSqTakawi, bEnqkuge DirekqTarunqge bODugefarAtunq, waLuganDu, rawIsulqjumqhUriwqyA walqwusqtAJu mawumUnq Wabqdulq QawqyUmqgewarihaSq varaSq KAwqBa Cukurewq warisqkurameve.

mAtqF ge tanavasq raHumatq mibEnqkaSq lahawqTavawi bEnqkuge kurimagugawi wekalAngeniWumatAwi magudewqkevunq wedi wekalAnge HaMqratugawi duWA danqnavameve.

Wabqdulq HamIdu muHanqmaduDirekqTarunqge bODuge cewarmanq

01 mE 6002


105

cewarmanqge cewarmanqge cewarmanqge cewarmanqge cewarmanqge


hamajehumA dimAwaSq hamajehumA dimAwaSq hamajehumA dimAwaSq hamajehumA dimAwaSq hamajehumA dimAwaSqmAtqF ge raHqmatqfuLAweku, bEnqkq wofq mOlqDivqsq plk ge waharI ripOTAwi5002 vana waharuge hisAbutawq, DirekqTarunqge farAtunq huSaheLumakI waLuganDaSqlibE wufalekeve.

nimigenqdiya waharuge furatama tinq masqduvasq vegenqdiyawI sunAmIge fahunqmawiganDu wiQqtiBAdaSq varaSq boDaSq loLunqwarawi bAru boDuvefawivA duvasqkoLakaSeve.wekamaku waharuge fahukoLaSq diyawiru, wiQqtiBAdu daSaSq diyadiyunq wavahaaSq rangaLuvamunqwanqnakamuge WalAmAtqtawq vanI fenqnanq faSAfaweve. wewI Qawumuge kamAbehE hurihAfarAtewqge WamalI bawiverivumAwi wehIterikanq libigenqneve. Disemqbar 4002gesunAmIgawi wenqme boDaSq waDiwaLAli wewqdAwirA wakI faturuverikameve. midAwirAgawiHarakAtqterivA farAtqtakunq faturuverikanq wiCqtihArukoSq wA mAkeTq hOdawi rAwqjewaSqfaturuverinq wanqna mAkeTqtawq demehewqTumaSq gadawaLawi kuramunqdiya masawqkatugenatIjAwewqge gotunq midAwirAge magAmu kurinq wotq hisAbaSq wawumugawi wanqna faturuverinqgewadadu wituruvumAwi wemIhunq rAwqjEgawi wendubEnunqkurA wadadu ginavamunqdAtanq wanqnanIfenqnamunqneve. masqverikamugeBinAWatu wavahaSq rangaLuvamunq webadeweve. wewI dUnirOgAge

sababunq duniyEge bAzArugawi mahuge wagumative rAwqjewinq bErukurevE mahaSq libEwewqcewq wituruvegenqneve. waharuge terEgawi WimArAtqkurumuge masawqkatunq fenqnamunqdanIvaraSq wunqmIdI kulawekeve. wewI mIhunq diriwuLE raSqraSAwi faturuveri raSqraSq sunAmIwinqhalAkuvi halAkuvunq fUbawqdawi wArAsqtukurumaSq kurevemunqdA masawqkatA guLigenqneve.haluwikamAweku kuriwaramunq wanqna faturuverikamAwi masqverikamAwi WimArAtqkurumugemasawqkatuge sababunq waharuge fahubawigawi Qawumugawi wiQqtiBAdI harakAtqtawqbehigenqdA minqvaru varaSq boDaSq wituruvefawiveweve.

sunAmIge sababunq wiQqtiBAdu loLuvAli loLuvAlumAwi, 5002vana waharuge terEgawiteluge wagu mawqcaSqdiya diyumAwekugawi vesq, bEnqkq wofq mOlqDivqsq wanewqkAvesqsAbitukoSq denI fawidAwAwi mAlI HAlatuge duLaheyokameve. midenqnevi widi sababutawqgonqjehumakaSq balawigenq, 4002vana waharuge Tekqsq negumuge kurinq wotq fawidAgegotugawi wotq 301 miliwanq rufiyAwaSq vure fawidA wituruve, bEnqkaSq 5002vanawaharu 621 miliwanq rufiyA HABilqkurevifawiveweve. wadi hiwqsAdArunqgewikuwiTI)rawusqmAlu( 52 winqsawqta wituruvefawiveweve.

sepqTemqbar 5002gawi bEnqkq wofq mOlqDivqsq plk)bIwemqwelq( ge cewarmanqkamuge magAmu waLuganDaSq dewqvikamI waLuganDaSq libunu Carafekeve. bEnqkewqgeHayAtugawi vEtuvediya 42waharu, bIwemqwelq winq rAwqjEge mAlI Kidumatqtawq tarawqQIkurumaSq muhinqmu dawurewq wadAkoSqdIfawiveweve.

waLuganDumenqge wasAsI wamAzakI wufewqdunqterikameve. waLuganDumenq naSq hAsilukurevEhAsilqkurumuge rekODq danI kuriwaSeve. waLuganDumenqge muhinqmu mAlI dAwirAtakunqfenifawivanI kuriwerumeve. bEnqkuge wAmqdanIge binqgA vanI fuLAvefaweve.

bEnqkuge DipoziTq bEsq 5002 vana waharu 82 winqsawqtawigawi kuriweruvumaSqvaraSq boDu gonqjehumAweku masawqkatqkurevifawivanI wewI fanqDukurumuge wenqme muhinqmuvasIlatqkamunqneve. DipoziTq bEhuge jumqlawakI 5.3 biliwanq rufiyAweve.

6002 vana waharu fenqnagotq 6002 vana waharu fenqnagotq 6002 vana waharu fenqnagotq 6002 vana waharu fenqnagotq 6002 vana waharu fenqnagotqrAwqjEge wiQqtiBAduge bawewq dAwirAtakuge terewinq sunAmI kArisAge wasarukuDakoSq fenqnamunqdeweve. sunAmIwA guLigenq kurevE WimArAtqtakuge sababunq DimAnqDqwituruve natIjA wituruvAneweve. wunqmIdukurevE gotugawi 6002vana waharu wiQqtiBAdIwufewqdunqterikanq rangaaLuvAneweve. wituraSq fahikoSq, sarukAruge farAtunq faturuverikamAwimasqverikamAwi danDuverikamAwi watoLutawq tarawqQIkurumuge maCqrUWutakAwekumidAwirAtakaSq 6002vana waharu wArOkamewq wanqnAne kamaSq lafAkureveweve.

bEnqkq wofq mOlqDivqsq winq musqtagubalaSq balamunqmidanI yagInqkamAwekugaweve.bEnqkuge 6002 vana waharuge Tqrewininqg bajeTq vanI witurukoSqfaweve. wadivazIfAtakaSq dasqveninq nagA wadadu witurukurAneweve. bEnqku ge woparECanqtawqfuLAkurumaSq gasqdukurameve. wewI Kidumatq witurukoSq fasEhawinq watqfOrA hisAbugawiKidumatq libEgotq hadawidIgenqneve. rAwqjEgawi bEnqkuge Kidumatq fuLAkurumuge gotunqgina watoLutakugawi gofi huLuvawigenqneve. mawiwofIhuge towqjehunq kuDakurumaSq vilingilIgawi

Wabqdulq HamIdu muHanqmadu

DirekqTarunqge bODuge cewarmanq wadi menEjinqg DirekqTar



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walqfAMilA fAYimatu nihAnq)menEjar, ganq bqrAnqcq(, walqfAMilA fAYimatu malIHA jamAlu)menEjar, huLumIdU bqrAnqcq(, walqfAMilq Hasanq WabqduF )menEjar, fuvawqmulaku bqrAnqcq(,

walqfAMilq firAQq waHqmadu)menEjar, nawifaru bqrAnqcq(, walqfAMilq WabuduF sujAWu )winqcAjq, wungUfAru bqrAnqcq(, walqfAMilq wibqrAhImq WalI)menEjar, huLumAle bqrAnqcq(,

walqfAMilq Wabqdulq WazIzq rifAWu)winqcAjq, tinadU bqrAnqcq(, walqfAMilA fAtimatu raCIdA )menEjar, majIdI magu bqrAnqcq(, walqfAMilq WabqduF CamImu)menEjar, mAlE winqTarnECanalq wewarpOTq bqrAnqcq(

wiSIndegenq kanAtunq vAtaSq wiSIndegenq kanAtunq vAtaSq wiSIndegenq kanAtunq vAtaSq wiSIndegenq kanAtunq vAtaSq wiSIndegenq kanAtunq vAtaSq:

walqfAMilA mariyamq BAliHq)menEjar, hitadU bqrAnqcq(, walqfAMilq waHqmadu niyAzu)menEjar, bAzAru bqrAnqcq(, walqfAMilq WalI raCIdu)menEjar, mulI bqrAnqcq(, walqfAMilq muHanqmadu muWInu)menEjar, fonadU bqrAnqcq(

walqfAMilq muHanqmadu niyAzu)winqcAjq, vilingili bqrAnqcq(, walqfAMilA munIrA WalI)menEjar, kuLuduwqfuSi bqrAnqcq(

foTO: mE 6002

107bEnqkq wofq mOlqDivqsq plk - waharI ripOTq 5002

DipATqmanqTq DipATqmanqTq DipATqmanqTq DipATqmanqTq DipATqmanqTq

menEjarunq menEjarunq menEjarunq menEjarunq menEjarunq

kowqLaSq kanAtunq vAtaSq kowqLaSq kanAtunq vAtaSq kowqLaSq kanAtunq vAtaSq kowqLaSq kanAtunq vAtaSq kowqLaSq kanAtunq vAtaSq:

walqfAMilq WadqlI waHqmadu dIdI)menEjar, winqformECanq TekqnolojI DipATqmanqTq(, walqfAMilq yAmInq wAdamq)menEjar, forinq DipATqmanqTq(, walqfAMilq naBqruF Wabqdulq vAHidu )menEjar, finEnqsq DipATqmanqTq(,

walqfAMilq Hasanq CAmq)menEjar, pabqlikq rilECanqsq wenqDq weDqminisqTqrECanq DipATqmanqTq(, walqfAMilq muHanqmadu CarIfu)menEjar, kADq senqTar(, walqfAMilq WalI wAdamq)menEjar, wenqTarpqrawizq bEnqkinqg

DipATqmanqTq(, walqfAMilq muHanqmadu HalImu)menEjar, DivelopqmenqTq bEnqkinqg selq(

wiSIndegenq kanAtunq vAtaSq wiSIndegenq kanAtunq vAtaSq wiSIndegenq kanAtunq vAtaSq wiSIndegenq kanAtunq vAtaSq wiSIndegenq kanAtunq vAtaSq:

walqfAMilq Hasanq raCIdu)menEjar, kOparETq wefewAzq DipATqmanqTq(, walqfAMilq waHqmadu raCIdu)menEjar, hiwumanq risOsasq DipATqmanqTq(, walqfAMilA wAminatu CAhInq)menEjar, kqreDiTq DipATqmanqTq(,

walqfAMilq muHanqmadu wisqmAwIlq)menEjar, lIgalq wefewAzq wenqDq DokiwumenqTECanq DipATqmanqTq(, walqfAMilq muHanqmadu waHqmadu) menEjar, winqsqpekqCanq DipATqmanqTq(

foTO: mE 6002

108

sIniwar menEjqmanqTq sIniwar menEjqmanqTq sIniwar menEjqmanqTq sIniwar menEjqmanqTq sIniwar menEjqmanqTq

TImq TImq TImq TImq TImq


kanAtunq vAtaSq kanAtunq vAtaSq kanAtunq vAtaSq kanAtunq vAtaSq kanAtunq vAtaSq:

misqTar luwA TU suvI )cIfq kqreDiTq wofisar(, walqfAMilA nAdiyA Hasanq )wesisqTenqTq jeneralq menEjar(, misq serInq hO wowi kuwenq )jeneralq menEjar wadi cIfq wegqzekeTivq wofisar(,

walqfAMilA WAwiCatu nUrawqdInq )wesisqTenqTq jeneralq menEjar(, walqfAMilA fAYimatu manike )wesisqTenqTq jeneralq menEjar(, misqTar wajitu mahinqdA wakqmImanage Donq )cIfq fawinEnqCalq wofisar(

foTO: mE 6002

109

wusqwalitawq wusqwalitawq wusqwalitawq wusqwalitawq wusqwalitawq


waharu waharu waharu waharu waharu

hiwqsAwakaSq libunu wAmqdanI

hiwqsAwakaSq behunu fawidA

hurihA Karadewq kenDumunq hiwqsA wakaSq jehE milqkuverikamuge wagu

bAzArugawi hiwqsAwakaSq jehE wagu

mati

daSq

waharu nimunu wiru

2003

207.15

90.00

2,239.56

1,200.00

600.00

1,000.00

2005

775.88

100.00

3,460.44

1,800.00

975.00

1,550.00

2004

629.99

95.00

2,779.55

1,350.00

750.00

1,175.00

2002

190.46

85.00

2,032.40

750.00

585.00

650.00

2001

460.99

85.00

1926.95

)hurihA wadadewq divehi rufiyAwinq(

110

waLuganDumenqge waLuganDumenqge waLuganDumenqge waLuganDumenqge waLuganDumenqge

tasawqvuru tasawqvuru tasawqvuru tasawqvuru tasawqvuru

kamaSq kamEhitA muvawqzafunq, fenqvaru rangaLaSq Kidumatq dIgenq waLuganDumenq kurihOdAnameve.waLuganDumenqge QAbiliwqyatu tanqdinq wenqme rangaLakaSq waLuganDumenq jamAWataSq

KidumatqkurAnameve. tiya bEfuLunqge bEnunqtawq kanulA waDuwahawigenq waLuganDumenq tiya bEfuLunqgehitqpuLu hamajawqsawidEnameve.

bEnqkq wofq mOlqDivqsq - divehinqge bEnqkaSq vItI faKuruverivanq bEnqkq wofq mOlqDivqsq - divehinqge bEnqkaSq vItI faKuruverivanq bEnqkq wofq mOlqDivqsq - divehinqge bEnqkaSq vItI faKuruverivanq bEnqkq wofq mOlqDivqsq - divehinqge bEnqkaSq vItI faKuruverivanq bEnqkq wofq mOlqDivqsq - divehinqge bEnqkaSq vItI faKuruverivanq


111

magusaduge magusaduge magusaduge magusaduge magusaduge


cnuvirevudet

cnuruk cmWritcHia

cnuruk utWlwsWvum

cnunid ctwmudiK

cnuviretcnudcaefua


Qawumuge Kidumatugawi Qawumuge Kidumatugawi Qawumuge Kidumatugawi Qawumuge Kidumatugawi Qawumuge Kidumatugawi

112

32 novemqbar 5991fuvawqmulaku bqrAnqcq, N. watoLu

03 novemqbar 7991vilingili bqrAnqcq, gw. watoLu

02 wogasqTq 8991mAlE winqTarnECanalq wewarpOTq bqrAnqcq, huLule

11 mAcq 1002diwqdU bqrAnqcq, hw. watoLu

90 wokqTObar 3002vilimAle bqrAnqcq, vilingili, mAle

21 wokqTObar 3002huLumIdU bqrAnqcq, s. watoLu

51 wokqTObar 3002wungUfAru bqrAnqcq, r. watoLu

30 wEpqrIlq 5002huLumAle bqrAnqcq, huLumAle

11 mE 6002wEdafuSi bqrAnqcq, b.watoLu

rawIsulq jumqhUriwqyA walqwusqtAJu mawumUnq Wabqdulq QawqyUmq, 8 burIge bEnqkq wofqmOlqDivqsq WimArAtuge binqgA boDutakurufAnu magugawi wotq bEnqkuge gOtIgawi 92Disemqbar 7991 gawi waLuwqvawi dewqviweve. 72 jenuwarI 0002 gawi wemanikufAnubEnqkuge wawu WimArAtq rasqmIgotunq huLuwqvawi dewqviweve. wadi hama weduvahu bEnqkunqrAwqjewaSq walaSq taWArafu kuri bEnqkuge woTomETeDq Telar meCinqge Kidumatq WiwqzatqterirawIsulqjumqhUriwqyA faSqTavawi dewqviweve.

weTolqsq kqreDiTq wenqDq DivelopqmanqTq bEnqkinqg pqrojekqTq gawi himenE wuturugewatoLutakAwi medurAwqjeterewinq l. watoLu ge niyalaSq huri watoLutakAwi, sadanqweTolqsq DivelopqmanqTq pqrojekqTq gawi himenE wenqme dekunuge hataru watoLukamugawivAgw, gd, N, wadi s. watoLuge kanqtawq hinqgawi balahawqTanI bEnqkq wofq mOlqDivqsqplk ge DivelopqmanqTq bEnqkinqg harakAtuge terewinqneve. mIge terewinq furatamapqrojekqTq hinqganI winqTarnECanalq fanqDq for wegqrikalqcaralq DivelopqmanqTq)wifADq( winq digu muwqdatakaSq nagAfawivA lOnq fawisA winqneve. devana pqrojekqTqhinqganI winqTarnECanalqq fanqDq for wegqrikalqcaralq DivelopqmanqTq )wifADq( wAwiwOpekq fanqDq fOr winqTarnECanalq DivelopqmanqTq )wOpekq( winq digu muwqdatakaSqnagAfawivA lOnu fawisA winqneve. mifawisA hOwqdavawidewqvI divehi sarukArumeduverivevaDawigenqneve.

maWulUmAtu maWulUmAtu maWulUmAtu maWulUmAtu maWulUmAtu


bEnqkq wofq mOlqDivqsq plk ge wEdafuSi bqrAnqcq minisqTar wofq finEnqsq wenqDq TqreRarI wonarabqlq walqfAMilq QAsimq wibqrAhImq 11 mE 6002 gawi huLuwqvawi dewqvanI

113

bEnqkq wofq mOlqDivqsq plk 11 novemqbar 2891 gawi wifqtitAHq koSqdewqvIrawIsulq jumqhUriwqyA walqwusqtAJu mawumUnq Wabqdulq QawqyUmeve. bEnqku hinqgaanqfaSawigatI sarukAru hiwqsAvA kunqfunitawq himenEgotaSq divehi sarukAruge 06winqsawqta hiwqsAwAwi winqTarnECanalq finEnqsq wenqDq winqvesqTqmanqTqkomqpenI limiTeDq )fahunq wawi. wefq. wawi. sI bEnqkq limiTeDq(, DAkA, banqgqlAdECq,ge 04 winqsawqta hiwqsAvA jowinqTq venqcar bEnqkewqge gotugaweve. bEnqkuhuLuvunIwqsure 13 Disemqbar 2991 ge niyalaSq bEnqku hinqgawidinI wawi. wefq.wawi. sI bEnqku limiTeDA demedu kurevunu menEjqmanqTq konqTqrekqTewq ge daSunqwefarAtunqneve. mi konqTqrekqTq ge daSunq bEnqku hinqgAnE kamuge mAhirunq hOdawiharudanA binqgalewqge matIgawi faSawigatumuge masawqkatqkurI wawi. wefq. wawi. sI.bEnqku limiTeDunq, wefarAtaSq menEjqmanqTq fI wewqge gotugawi fawidAge 01 winqsawqtadIgenqneve.

bEnqkuge dihavana waharu, wawi, wefq, wawi. sI bEnqkA weku bEnqku hinqgumaSq vefawivAwewqbasqvumuge muwqdatu hamavumunq, wegqrImenqTq wAkoSq nudewqvawi bEnqku walunqwinqtizAmu kurewqvumaSq divehisarukArunq ninqmeviweve. wehenqkamunq wawi. wefq. wawi.sI bEnqkaSq wekanq wanqgawi wefarAtuge hiwqsA kuDakoSq, wefarAtunq bODugawi tamqsIlukurA wadadu madukurumaSq wedevuneve. natIjAwewqge gotunq, wawi.wefq.wawi. sI bEnqkunqninqmI bEnqkuhinqgumaSq wefarAtA weku kurevifawivA wewqbasqvumuge muwqdatu hamavAtArIKu kamaSqvA 13 Disemqbar 2991 ge niyalaSq wefarAtAwi bEnqkA demedu wotqguLunq kanDAlawi bEnqkq wofq mOlqDivqsqgawi wotq wefarAtuge hiwqsA viwqkAlumaSeve.41 novemqbar 2991 gawi divehisarukArunq bEnqkq wofq mOlqDivqsq gawi wotqwawi.wefq. wawi. sI bEnqkq limiTeDq ge 04 winqsawqta hiwqsA bawqlavawigateve.mihenqvumunq bEnqkq wofq mOlqDivqsqge hiwqqsAge rawusqmAlq ge 08 winqsawqtawakI divehisaruukAruge milqkewqkamaSq hamajawqsawi, rawusqmAluge bAkI wotq 02winqsawqta hamayaSq debawikoSq wewqbawi sqTETq TqrEDinqg wOganawizECanaSq wanewqbawimOlqDivqsq TqrAnqsqpOTq wenqDq konqTqrekqTinqg komqpenI waSq viwqkAlevuneve.

bEnqkuge rawusqmAlu witurukurumaSq Takawi wAnqmunqnaSq bEnqkuge hiwqsA viwqkevumaSqdivehisarukArunq Disemqbar 2991 gawi ninqmeviweve.

1 jenuwarI 3991 winq feSigenq bEnqkq wofq mOlqDivqsq plk wakI divehirawqyitunqnAwidivehi sarukAruge wamiwqla bEnqkekeve.

bEnqkq wofq mOlqDivqsq plk winq 3991, 4991,5991,6991,7991 wadi8991 gawi wAnqmunqnaSq hiwqsA viwqkAfawiveweve. mi gotaSq hiwqsA viiwqkumugenatIjA wewqge gotunq 2991 gawi bEnqkuge waguwadAkoSqfawivA rawusqmAlu gegotugawi 5 miliyaanq rufiyA winq 8991 gawi 615.63 miliyanq rufiyAwaSqweriweve. 8991 ge fahunq wituraSq hiwqsA viwqkAfawi netumAweku, 4002 vanawaharu nimunuwiruvesq bEnqkuge waguwadAkoSqfawivA rawusqmAluge gotugawi wotI615,63 miliyanq rufiyAweve.

bEnqkuge mawiganDu viyafAri binAvefawi vanI viyafAri bEnqkinqg ge mawqcaSeve. wadibEnqkuge farAtunq rAwqjEge hurihA watoLakaSq tarawqQIge bEnqkinqg ge harakAtqtawqfOrukoSqdinumuge wituraSq, bEnqkq wofq mOlqDivqsq plk ge farAtunq ”wonq lawinq“koSq muLinq komqpiwuTar viwugawewq bEnunq kurevE mAhawulewqgawi mizamAAnuge tafAtubEnqkinqg Kidumatqtawq fOrukoSq demunq genqdiyumAweku, bEnqkq wofq mOlqDivqsq plk

vanI faKuruverikamAweku wenqme kurI safugawi QawumaSq Kidumatq kurA bEnqku kamaSqvefaweve.

mihAru bEnqkq wofq mOlqDivqsq plk ge 91 gofi webahuwqTeve. navAra gofIgeterewinq tinq gofi hurI verikanq kurA raSq, mAlEgaweve. wewq gofi hurI mAlE bawinalqwaQqvAmI vawige bandaru)huLule( gaweve. wewqgofihurI huLumAlEgaweve. wadi wanewqgofihurI mAlE fasqvana wavaSq kamugawivA vilingilIgaweve. wanewq tEra gofi rAwqjEgewatoLutakugawi kanDaweLifawivA saraHawqdu takakaSq Kidumatq kurA gotaSeve. wehenqkamunqmuLi rAwqjewaSq bEnqkq wofq mOlqDivqsq plk winq Kidumatq fOrukoSq deveweve.bEnqkq wofq mOlqDivqsq plk ge gofitawq huLuvigenq diya tirIgawi vA tarutIbunqsIdA gotewqgawi bEnqku fuLAvegenq diyagotq dawqkuvawideweve.

32 mE 2891kunqfunqNewqge gotugawi minisqTqrI wofq hOmq wefewAzq gawi rajisqTqrI kurevunq

01 novemqbar 2891bEnqkuge viyafAri hinqgumuge lawisanqsq mOlqDivqsq maniTarI wotOriTIwinq dewqvunq

11 novemqbar 2891mawi gofi wadi mawi wofIsq, mAle

10 Disemqbar 3891ganq bqrAnqcq, s. watoLu

92 Disemqbar 4891majIdImagu bqrAnqcq, mAle

92 Disemqbar 7891bAzAru bqrAnqcq, mAle

62 jUnq 0991nawifaru bqrAnqcq, L. watoLu

92 Disemqbar 1991kuLuduwqfuSi bqrAnqcq, hd. watoLu

61 jenuwarI 3991fonadU bqrAnqcq, l. watoLu

71 jenuwarI 4991hitadU bqrAnqcq, s. watoLu

01 wokqTObar 4991mulI bqrAnqcq, m. watoLu

03 wokqTObar 4991tinadU bqrAnqcq, gd. watoLu

maWulUmAtu maWulUmAtu maWulUmAtu maWulUmAtu maWulUmAtu


114

guLEne guLEne guLEne guLEne guLEne

nanqbarutawq nanqbarutawq nanqbarutawq nanqbarutawq nanqbarutawq


gofitawq gofitawq gofitawq gofitawq gofitawq

bAzAru bqrAnqcq bAzAru bqrAnqcq bAzAru bqrAnqcq bAzAru bqrAnqcq bAzAru bqrAnqcq bEnqkq wofq mOlqDivqsq plk wOkiDq magu, mAle, 88102 divehirAwqje fOnu: 2220 333 )069( + fekqsq: 0220 333 )069( + wI-mewilq: vm.moc.lmb@razab

diwqdU bqrAnqcq diwqdU bqrAnqcq diwqdU bqrAnqcq diwqdU bqrAnqcq diwqdU bqrAnqcq bEnqkq wofq mOlqDivqsq plk nIlOfaru magu, hw. diwqdU, 00110 divehirAwqje fOnu: 6600 056 )069( + fekqsq: 6600 056 )069( + wI-mewilq: vm.moc.lmb@oohdhdihd

wEdafuSi bqrAnqcq wEdafuSi bqrAnqcq wEdafuSi bqrAnqcq wEdafuSi bqrAnqcq wEdafuSi bqrAnqcq bEnqkq wofq mOlqDivqsq plk yUsufq kalEfAnu magu, b. wEdafuSi, 08060 divehirAwqje fOnu: 8248 066 )069( + fekqsq: 1348 066 )069( + wI-mewilq: vm.moc.lmb@ihsufahdye

fonadU bqrAnqcq fonadU bqrAnqcq fonadU bqrAnqcq fonadU bqrAnqcq fonadU bqrAnqcq bEnqkq wofq mOlqDivqsq plk wanqdalIbu magu, l. fonadU, 08051 divehirAwqje fOnu: 9270 086 )069( + fekqsq: 9270 086 )069( + wI-mewilq: vm.moc.lmb@oohdanof

fuvawqmulaku bqrAnqcq fuvawqmulaku bqrAnqcq fuvawqmulaku bqrAnqcq fuvawqmulaku bqrAnqcq fuvawqmulaku bqrAnqcq bEnqkq wofq mOlqDivqsq plk bahArumagu, N. fuvawqmulawq, 41081 divehirAwqje fOnu: 3005 686 )069( + fekqsq: 5660 686 )069( + wI-mewilq: vm.moc.lmb@ukalumhavuf

ganq bqrAnqcq ganq bqrAnqcq ganq bqrAnqcq ganq bqrAnqcq ganq bqrAnqcq bEnqkq wofq mOlqDivqsq plk bqlokq nanqbaru 205, s. ganq, 07091 divehirAwqje fOnu: 4108 986 )069( + fekqsq: 7808 986 )069( + wI-mewilq: vm.moc.lmb@nag

hitadU bqrAnqcq hitadU bqrAnqcq hitadU bqrAnqcq hitadU bqrAnqcq hitadU bqrAnqcq bEnqkq wofq mOlqDivqsq plk GAzImagu, meduvalu, s. hitadU, 02091 divehirAwqje fOnu: 1105 886 )069( + fekqsq: 3105 886 )069( + wI-mewilq: vm.moc.lmb@oohdahtih

huLumIdU bqrAnqcq huLumIdU bqrAnqcq huLumIdU bqrAnqcq huLumIdU bqrAnqcq huLumIdU bqrAnqcqbEnqkq wofq mOlqDivqsq plkbahAwuwqdInq magu , s. huLudU, 06091divehirAwqjefOnu: 0075 986 )069( +fekqsq: 9204 986 )069( +wI-mewilq: vm.moc.lmb@oohdeemuhluh

huLumAle bqrAnqcq huLumAle bqrAnqcq huLumAle bqrAnqcq huLumAle bqrAnqcq huLumAle bqrAnqcqbEnqkq wofq mOlqDivqsq plkyuniTq sI-jI-50, bagIcA hingunqhuLumAle, 00032, divehirAwqjefOnu: 7600 533 )069( +fekqsq: 6250 533 )069( +wI-mewilq: vm.moc.lmb@elamuhluh

kuLuduwqfuSi bqrAnqcq kuLuduwqfuSi bqrAnqcq kuLuduwqfuSi bqrAnqcq kuLuduwqfuSi bqrAnqcq kuLuduwqfuSi bqrAnqcqbEnqkq wofq mOlqDivqsq plkhd. kuLuduwqfuSi, 01120divehirAwqjefOnu: 3188 256 )069( +fekqsq: 1167 256 )069( +wI-mewilq: vm.moc.lmb@ihsuffuhdluk

mewinq bqrAnqcq mewinq bqrAnqcq mewinq bqrAnqcq mewinq bqrAnqcq mewinq bqrAnqcqbEnqkq wofq mOlqDivqsq plkbEnqkq wofq mOlqDivqsq bilqDinqg, 1 vana fanqgifilA11, boDutakurufAnu magu, mAle, 49002, divehirAwqjefOnu: 4410 333 )069( +fekqsq: 0810 333 )069( +wI-mewilq: vm.moc.lmb@niam

majIdImagu bqrAnqcq majIdImagu bqrAnqcq majIdImagu bqrAnqcq majIdImagu bqrAnqcq majIdImagu bqrAnqcqbEnqkq wofq mOlqDivqsq plkmajIdI magu, mAle, 83102divehirAwqjefOnu: 2020 333 )069( +fekqsq: 0120 333 )069( +wI-mewilq: vm.moc.lmb@ugameehdeejam

mAlE winqTarnECanalq wewarpOTq bqrAnqcq mAlE winqTarnECanalq wewarpOTq bqrAnqcq mAlE winqTarnECanalq wewarpOTq bqrAnqcq mAlE winqTarnECanalq wewarpOTq bqrAnqcq mAlE winqTarnECanalq wewarpOTq bqrAnqcqbEnqkq wofq mOlqDivqsq plkhuLule, 00022divehirAwqjefOnu: 1125 133 )069( +fekqsq: 1125 133 )069( +wI-mewilq: vm.moc.lmb@tropria

mulI bqrAnqcq mulI bqrAnqcq mulI bqrAnqcq mulI bqrAnqcq mulI bqrAnqcqbEnqkq wofq mOlqDivqsq plkranqkokA magu, m. muli, 05011divehirAwqjefOnu: 1000 276 )069( +fekqsq: 1000 276 )069( +wI-mewilq: vm.moc.lmb@ilum

nawifaru bqrAnqcq nawifaru bqrAnqcq nawifaru bqrAnqcq nawifaru bqrAnqcq nawifaru bqrAnqcqbEnqkq wofq mOlqDivqsq plkmerinq Dqrawivq, L. nawifaru, 02070divehirAwqjefOnu: 9130 266 )069( +fekqsq: 9130 266 )069( +wI-mewilq: vm.moc.lmb@urafian

tinadU bqrAnqcq tinadU bqrAnqcq tinadU bqrAnqcq tinadU bqrAnqcq tinadU bqrAnqcqbEnqkq wofq mOlqDivqsq plkvaruhagumagu, gd. tinadU, 00171divehirAwqjefOnu: 2001 486 )069( +fekqsq: 4891 486 )069( +wI-mewilq: vm.moc.lmb@oohdaniht

wungUfAru bqrAnqcq wungUfAru bqrAnqcq wungUfAru bqrAnqcq wungUfAru bqrAnqcq wungUfAru bqrAnqcqbEnqkq wofq mOlqDivqsq plkmisqkitq magu, r. wungUfAru, 06050divehirAwqjefOnu: 2720 856 )069( +fekqsq: 2720 856 )069( +wI-mewilq: vm.moc.lmb@uraafoognu

vilingili bqrAnqcq vilingili bqrAnqcq vilingili bqrAnqcq vilingili bqrAnqcq vilingili bqrAnqcqbEnqkq wofq mOlqDivqsq plkwamInImagu, gw. vilingili, 02061divehirAwqjefOnu: 5000 286 )069( +fekqsq: 5000 286 )069( +wI-mewilq: vm.moc.lmb@ilignilliv

vilimAle bqrAnqcq vilimAle bqrAnqcq vilimAle bqrAnqcq vilimAle bqrAnqcq vilimAle bqrAnqcqbEnqkq wofq mOlqDivqsq plkbqlokq nanqbaru: 13, vilingili, mAle 71012divehirAwqjefOnu: 0561 933 )069( +fekqsq: 1561 933 )069( +wI-mewilq: vm.moc.lmb@elamilliv

115

guLEne guLEne guLEne guLEne guLEne

nanqbarutawq nanqbarutawq nanqbarutawq nanqbarutawq nanqbarutawq

mawi wofIsq mawi wofIsq mawi wofIsq mawi wofIsq mawi wofIsqbEnqkq wofq mOlqDivqsq plk11, boDutakurufAnu magu, mAle, 49002divehirAwqje

kunqfunIge rajisqTarI nanqbaru : 2891/22-C

fOnu:8492 233 )069( +fekqsq:3328 233 )069( +sqvifqTq: VMVMBLAMsawiTq: vm.moc.sevidlamfoknab.wwwwI-mewilq: vm.moc.lmb@ofniTelekqsq: FM MOKNAB 03077


kADq senqTar kADq senqTar kADq senqTar kADq senqTar kADq senqTar bEnqkq wofq mOlqDivqsq plk bEnqkq wofq mOlqDivqsq bilqDinqg, 5 vana fanqgifilA 11, boDutakurufAnu magu, mAle, 49002 divehirAwqje fOnu: 0020 333 )069( + fekqsq: 5920 333 )069( + wI-mewilq: vm.moc.lmb@ertnecdrac

kOparETq wefewAzq DipATqmanqTq kOparETq wefewAzq DipATqmanqTq kOparETq wefewAzq DipATqmanqTq kOparETq wefewAzq DipATqmanqTq kOparETq wefewAzq DipATqmanqTq bEnqkq wofq mOlqDivqsq plk bEnqkq wofq mOlqDivqsq bilqDinqg, 6 vana fanqgifilA 11, boDutakurufAnu magu, mAle, 49002 divehirAwqje fOnu: 8810 333 )069( + fekqsq: 5810 333 )069( + wI-mewilq: vm.moc.lmb@sriaffaetaroproc

kqreDiTq DipATqmanqTq kqreDiTq DipATqmanqTq kqreDiTq DipATqmanqTq kqreDiTq DipATqmanqTq kqreDiTq DipATqmanqTq bEnqkq wofq mOlqDivqsq plk bEnqkq wofq mOlqDivqsq bilqDinqg, 6 vana fanqgifilA 11, boDutakurufAnu magu, mAle, 49002 divehirAwqje fOnu: 2510 333 )069( + fekqsq: 5810 333 )069( + wI-mewilq: vm.moc.lmb@tiderc

DivelopqmenqTq bEnqkinqg selq DivelopqmenqTq bEnqkinqg selq DivelopqmenqTq bEnqkinqg selq DivelopqmenqTq bEnqkinqg selq DivelopqmenqTq bEnqkinqg selq bEnqkq wofq mOlqDivqsq plk bEnqkq wofq mOlqDivqsq bilqDinqg, 2 vana fanqgifilA 11, boDutakurufAnu magu, mAle, 49002 divehirAwqje fOnu: 2610 333 )069( + fekqsq: 6810 333 )069( + wI-mewilq: vm.moc.lmb@cbd

wenqTarpqrawizq bEnqkinqg DipATqmanqTq wenqTarpqrawizq bEnqkinqg DipATqmanqTq wenqTarpqrawizq bEnqkinqg DipATqmanqTq wenqTarpqrawizq bEnqkinqg DipATqmanqTq wenqTarpqrawizq bEnqkinqg DipATqmanqTq bEnqkq wofq mOlqDivqsq plk bEnqkq wofq mOlqDivqsq bilqDinqg, 2 vana fanqgifilA 11, boDutakurufAnu magu, mAle, 49002 divehirAwqje fOnu:8920 333 )069( + fekqsq:6810 333 )069( + wI-mewilq: vm.moc.lmb@gniknabesirpretne

finEnqsq DipATqmanqTq finEnqsq DipATqmanqTq finEnqsq DipATqmanqTq finEnqsq DipATqmanqTq finEnqsq DipATqmanqTq bEnqkq wofq mOlqDivqsq plk h.wOkiDqmAge loTasq gOLi, mAle, 59002 divehirAwqje fOnu: 2310 333 )069( + fekqsq: 9420 333 )069( + wI-mewilq: vm.moc.lmb@ecnanif

forinq DipATqmanqTq forinq DipATqmanqTq forinq DipATqmanqTq forinq DipATqmanqTq forinq DipATqmanqTq bEnqkq wofq mOlqDivqsq plk bEnqkq wofq mOlqDivqsq bilqDinqg, 5 vana fanqgifilA 11, boDutakurufAnu magu, mAle, 49002 divehirAwqje fOnu: 6510 333 )069( + fekqsq: 4810 333 )069( + wI-mewilq: vm.moc.lmb@ngierof

hiwumanq risOsasq DipATqmanqTq hiwumanq risOsasq DipATqmanqTq hiwumanq risOsasq DipATqmanqTq hiwumanq risOsasq DipATqmanqTq hiwumanq risOsasq DipATqmanqTq bEnqkq wofq mOlqDivqsq plk bEnqkq wofq mOlqDivqsq bilqDinqg, 2 vana fanqgifilA 11, boDutakurufAnu magu, mAle, 49002 divehirAwqje fOnu:2210 333 )069( + fekqsq:3620 333 )069( + wI-mewilq:vm.moc.lmb@secruoser_namuh

winqformECanq TekqnolojI DipATqmanqTq winqformECanq TekqnolojI DipATqmanqTq winqformECanq TekqnolojI DipATqmanqTq winqformECanq TekqnolojI DipATqmanqTq winqformECanq TekqnolojI DipATqmanqTq bEnqkq wofq mOlqDivqsq plk bEnqkq wofq mOlqDivqsq bilqDinqg, 4 vana fanqgifilA 11, boDutakurufAnu magu, mAle, 49002 divehirAwqje fOnu: 0110 333 )069( + fekqsq: 5110 333 )069( + wI-mewilq: vm.moc.lmb@ti

winqsqpekqCanq DipATqmanqTq winqsqpekqCanq DipATqmanqTq winqsqpekqCanq DipATqmanqTq winqsqpekqCanq DipATqmanqTq winqsqpekqCanq DipATqmanqTq bEnqkq wofq mOlqDivqsq plk h.wOkiDqmAge loTasq gOLi, mAle, 59002 divehirAwqje fOnu: 1810 333 )069( + fekqsq: 9420 333 )069( + wI-mewilq: vm.moc.lmb@noitcepsni

lIgalq wefewAzq wenqDq DokiyumenqTECanq DipATqmanqTq lIgalq wefewAzq wenqDq DokiyumenqTECanq DipATqmanqTq lIgalq wefewAzq wenqDq DokiyumenqTECanq DipATqmanqTq lIgalq wefewAzq wenqDq DokiyumenqTECanq DipATqmanqTq lIgalq wefewAzq wenqDq DokiyumenqTECanq DipATqmanqTq bEnqkq wofq mOlqDivqsq plk bEnqkq wofq mOlqDivqsq bilqDinqg, 6 vana fanqgifilA 11, boDutakurufAnu magu, mAle, 49002, divehirAwqje fOnu: 4510 333 )069( + fekqsq: 5810 333 )069( + wI-mewilq: vm.moc.lmb@sriaffalagel

pabqlikq rilECanqsq wenqDq weDqminisqTqrECanq pabqlikq rilECanqsq wenqDq weDqminisqTqrECanq pabqlikq rilECanqsq wenqDq weDqminisqTqrECanq pabqlikq rilECanqsq wenqDq weDqminisqTqrECanq pabqlikq rilECanqsq wenqDq weDqminisqTqrECanq DipATqmanqTq DipATqmanqTq DipATqmanqTq DipATqmanqTq DipATqmanqTq bEnqkq wofq mOlqDivqsq plk bEnqkq wofq mOlqDivqsq bilqDinqg, 4 vana fanqgifilA 11, boDutakurufAnu magu, mAle, 49002, divehirAwqje fOnu:3310 333 )069( + fekqsq:5110 333 )069( + wI-mewilq: vm.moc.lmb@nimda

mawi wofIhuge DipATqmanqTqtawq mawi wofIhuge DipATqmanqTqtawq mawi wofIhuge DipATqmanqTqtawq mawi wofIhuge DipATqmanqTqtawq mawi wofIhuge DipATqmanqTqtawq

116

bEnqkuge gofitawq/woDiTarunq/ bEnqkuge gofitawq/woDiTarunq/ bEnqkuge gofitawq/woDiTarunq/ bEnqkuge gofitawq/woDiTarunq/ bEnqkuge gofitawq/woDiTarunq/

kunqfunIge sekqreTarI kunqfunIge sekqreTarI kunqfunIge sekqreTarI kunqfunIge sekqreTarI kunqfunIge sekqreTarI

bEnqkuge gofitawq bEnqkuge gofitawq bEnqkuge gofitawq bEnqkuge gofitawq bEnqkuge gofitawq

huLumIdU bqrAnqcq, s. watoLuhuLumAle bqrAnqcq, huLumAlehitadU bqrAnqcq, s. watoLunawifaru bqrAnqcq, L. watoLubAzAru bqrAnqcq, mAlekuLuduwqfuSI bqrAnqcq, hd. watoLuwungUfAru bqrAnqcq, r. watoLuwEdafuSI bqrAnqcq, b. watoLuvilimAle bqrAnqcq, vilingili, mAlevilingili bqrAnqcq, gw. watoLumewinq bqrAnqcq, mAlemulI bqrAnqcq, m. watoLumAlE winqTarnECanalq wewarpOTq bqrAnqcq, huLulemajIdI magu bqrAnqcq, mAlefonadU bqrAnqcq, l. watoLufuvawqmulaku bqrAnqcq, N. watoLudiwqdU bqrAnqcq, hw. watoLutinadU bqrAnqcq, gd. watoLuganq bqrAnqcq, s. watoLu

woDiTarunq woDiTarunq woDiTarunq woDiTarunq woDiTarunq

pqrawisq vOrTarhawusq kUparsqpI. wO. bokqsq 42102devanafanqgifilA 30 - 20wAge21, boDutakurufAnu magu, mAle,divehirAwqje

kunqfunIge sekqreTarI kunqfunIge sekqreTarI kunqfunIge sekqreTarI kunqfunIge sekqreTarI kunqfunIge sekqreTarI

misq serInq hO wowi kuwenq


117

bEnqku ge gofitawq/ woDiTarunq/ kunqfunIge sekqreTarI

guLEne nanqbarutawq

maWulUmAtu

magusaduge bayAnq

waLuganDumenqge tasawqvuru

wusqwalitawq

sIniwar menEjqmanqTq TImu

DipATqmanqTq menEjarunq

bqrAnqcq menEjarunq

cewarmanqge bayAnq

DirekqTarunqge bODu

DirekqTarunqge ripOTq

woDiTarunq ge ripOTq

wAmqdanIge bayAnq

belenqsq CITq

wikuwiTIwaSq wawi badaluu

fawisA libunugotAwi hEdavigotuge bayAnq

mAlI bayAnqtakA guLE nOTqtawq

wingirEsi bawi

fihurisqtu fihurisqtu fihurisqtu fihurisqtu fihurisqtu


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59 - 2

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i


32 vana waharI wAnqmu jalqsAge nOTisqq 32 vana waharI wAnqmu jalqsAge nOTisqq 32 vana waharI wAnqmu jalqsAge nOTisqq 32 vana waharI wAnqmu jalqsAge nOTisqq 32 vana waharI wAnqmu jalqsAge nOTisqq

bEnqkqq wofq mOlqDivqsq plk ge hiwqsAdArunqge 32 vana waharI wAnqmu jalqsA 42 jUnq 6002 vA honihiru duvahuge rE03:8 gawi darubArugE doSimEnAmAlamugawi bEwqvumaSq vanI hamajehifaweve.

mi jalqsAge wejenqDA tirIgawi mi danqnavanIweve.

1-22 vana waharI wAnqmu jalqsAge yawumiwqyA fAsqkurunq.2-DirekqTarunqge ripOTAwi woDiTarunqge ripOTq huSaheLumAwi fAsqkurunq.3-bEnqkq wofq mOlqDivqsq plk ge 13 Disemqbar 5002 ge belenqsq CITAwi 13 Disemqqbar 5002 gawi

nimunu waharuge wAmqdanIge bayAnq huSaheLumAwii fAsqkurunq.4-5002 vana waharaSq hiwqsAdArunqnaSq bahAne fawidA kanDaweLunq.5-bEnqkq wofq mOlqDivqsq plk ge hinqgA gavAwiduge 14 vana mAwqdA gawivA gotaSq bEnqkq wofq mOlqDivqsq plk ge

DirekqTarunqge bODaSq sarukArunq Wawqyanq kurewqviDirekqTarunq jalqsAwaSq wenqgumAwi wAnqmu hiwqsAdArunq howqvavaA tinqDirekqTarunqwinqtiKAbukurunq.

6-woDiTarunq wawqyanq kurumAwi we mIhunqnaSq dEne wujUra kanDaweLunq.7-wituru kanqtawqtawq.

01 jumAdalq wUlA 7241 60 jUnq 6002

bODuge wenqgumA wewqgotaSqKAdimatukumq

serInq hO wowi kuwenqkunqfunIge sekqreTarI

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