ADS@D >tf Deeudi @mecarae`a< Cutura ^aesa den ^a`f< Immhkeg cmr tfa Zrmvarokdi Gminbkea
Murr Dp Mu Dppr prmd md`f `f Mur Skskme< Oukin aedoikeg a`msystabs den `fdeeai `dpktdi tm `radta den eurtura d sustdkedoia & aquktdoia sm`katy
Ketaiia`dp fds 41 yadrs mc axpartksa ke oukinkeg den s`dikeg ouskeassas tfdt kbprmva qudikty mc ikca cmr cmr imw-ke`mba cdbkikas. Wa nks`mvar, nks`mvar, dnvksa, kecmrb, den cuen-rdksa cmr tfasa pkmeaarkeg ouskeass-odsan dpprmd`fas Wa fdva iavardgan tfks dpprmd`f tm oukin vkordet a`msystabs cmr knads den ouskeass, wmrhkeg tm pmsktkvaiy kbpd`t imw ke`mba `mbbuektkas
Zrmbksas ^a`femimgkas< Wfara dra tfa Okg Oats*=
Km^
Okg Ndtd
DK
-1: okiikme `meea`tan navk`as oy ?:?? crmb 4: bkiikm bkiikme e ke ?:4: -Km^ bdrhat ks axpa`tan tm grmw tm $7.4 trkiik trkiikme me ke ?:?: ?:?: crmb crmb $4.; $4.; trki trkiikm ikme e ke ?:40 ?:40 -7: nadis tmtdikeg $6>3 bkiikme ke im^ stdrt-up stdrt-upss ke T4 ?:43
-Okg Ndtd bdrhat wkii oa $10.> okiikme ke ke ?:?: crmb $7.? okiikme okiikme ke ?:44 -Oy ?:?:, ?:?:, tfa skza mc tfa gimodi ndtd uekvarsa ks astkbdtan >> \attdoytas -Okg Ndtd stdrtups ra`akvan $3.3> okiikme kevastbaet ke ?:41
-Mvar >: nadis nadis ke T0 mc mc ?:43 ?:43 - Gmmgia fds bdna bdna 44 d`quksktkmes - Di wkii nrkva nrkva ravaeu ravaeuas as mc mvar $>7 okii okiikm kme e ke ?:?: ?:?:
Oim`h`fdke
_momtk`s
0N Zrketkeg
-^mtdi $4.> okiikme kevastan ke stdrt-ups -Ke ?:43, kevastbaet kevastbaet ke oim`h`fdke caii caii oy 46% 46% -Ke T4 ?:43, tfara wara 0; nadis tmtdikeg $470 bkiikme ke Okt`mke & Oim`h`fdke stdrt-ups
-Gimodi _momtk`s kenustry ks axpa`tan tm grmw grmw crmb crmb $?6.0 $?6.0 okiik okiikme me ke ?:41 ?:41 tm $414.7 okii okiikm kme e ke ?:?? ?:?? -- >? nadis tmtdikeg $461 bkiikme ke _momtk`s stdrt-ups stdrt-ups ke T4 ?:43
- ^fa gimodi 0N prketkeg prketkeg bdrhat ks sat tm rad`f $;.3 $;.3 oe oe ke ?:?: ?:?: - Bank`di kenustry dppik`dtkmes dra grmwkeg cdstast dt 47.0 47.0% % dt @DG_ @DG_
^fa @dsa cmr Dcrk`d< ^a`femimgy ^a`femimgy ds de Aedoiar
Grmwkeg Zmpuidtkme
Fkgf Qrodekzdtkme
Dosae`a mc Iagd`y Pystabs
Astkbdtan ?.1oe pampia oy ?:1:- ?1% mc gimodi pmpuidtkme pmpuidtkme
Astkbdtan Qrodekzdtkme rdta ks 13% oy ?:1:.
Zmmr Ketareat @meea`tkvkty
Bdlmrkty Imw Ke`mba Zmpuidtkme
Zmmr Kecrdstru`tu Kecrdstru`tura ra
Mvar 71% mc Dcrk`des nm emt fdva d``ass tm ketareat
>6% mc Dcrk`des ikva ke axtraba pmvarty tmndy.
33% mc Dcrk`des fdva em d``ass tm aeargy
Zmtaetkdi tm oukin eaw kenustrkas den systabs ’omttmbs up‒
Zura ta`f bmnais< ^a`f cmr tfa sdha mc ta`f ueikhaiy tm s`dia gkvae Dcrk`d‛s
nabmgrdpfk`s ^a`femimgy ds de Aedoiar- ks tfa prmvarokdi prmvarokdi gmin-bkea
@imsar tm Fmba< Wfara dra Aetarprksas den Kevastmrs Cm`uskeg Puo-sa`tmr
Puo- `dtagmry m
Kesura ta`f
m
By kesura
m
Bmokia Wdiiats
m
B
Z?Z iaenkeg / @rmwn smur`keg
m
B-`fdegd
m
Nkra`t iaenkeg
m
>G `dpktdi
m
@ryptm`urrae`y
m
Okt-Zasd
m
Cmrax
m
Cpasd
m
An-Cke
m
Ptunaet Ckede`a Dcrk`d
DK
m
B-sfuia
Iadrekeg bdedgabaet systabs
m
Aiawd
m
Keputs bdedgabaet systabs
m
m
Pmki dediysks
m
m
^aia-bank`kea
m
@meea`t-Ban
m
DK
m
Pmpfka Omt
m
Faditf Ndtd dediytk`s
m
Pdvdeedf kecmrbdtk`s
m
Bdksfd Bans
m
Cke-^a`f
An-ta`f
m
m
m
Dgrk-ta`f
Faditfta`f
Axdbpias
m
m
Wadtfar DZKs
Fmspktdi bdedgabaet bdedgabaet systabs
Keskgfts crmb Dediysks Dediysks mc Ketaiia`dp Aetarprksa Ndtdodsa Crmb d sdbpia mc 41:: aetarprksas< 47% mc `mbpdekas dra ta`f 33% mc aetarprksas ke Adst Dcrk`d dra ke Haeyd • •
Adst Dcrk`de `mbpdekas dra diradny uskeg ta`femimgkas su`f ds< Okg ndtd, ndtd, Km^, DK, Oim`h`fdke, Nrmeas
•
Axdbpia Kevastbaets ke tfa ^a`femimgy Ppd`a ke Adst Dcrk`d Kevastmr Edba
Kevastaa
@muetry
Dbmuet (QPN)
Fmrkzme ^aiabaetdry
Gray`rmct Zd Zdrtears
Okt-pasd
Haeyd
Qenks`imsan
kZrm`ura, kZrm`ura, Iksfd omrd
KC@
Dcrk`d ^dihkeg
Haeyd
6, 3::, :::
Kiiubkekub Graae fmusas
Pdvdedf Cuen, Pdcdrk`mb Pdcdrk`mb Saetura Saetura
Aeazd an a nu`dtkme
Haeyd
4,:::,:::
Pdvdedf Cuen
cZasd
Haeyd
Qenks`imsan
Graae ta t a` va vaeturas
Wdzk Sk Sksme
Qgdend
6::,:::
Emvdstdr
Zmd ke ketareat, Iyeh. B-Cdrb
Haeyd
Qenks`imsan
Dcrk`d‛ss @fdiiaegas dra kts Mppmrtuektkas Dcrk`d‛
@fdiiaegas
Mppmrtuektkas
?46 bkiikme uenaremurksfan ke PPD ke`iunkeg 1> bkiikme `fkinrae uenar 1 yadrs
Pa`urkeg dccmrndoia, eutrktkmus cmmn cmr 4 okiikme pampia ke Dcrk`d oy ?:0:.
Dcrk`de `muetrkas rdeh imwast me dii faditf kenk`dtmrs crmb ikca axpa`tde`y, axpa`tde`y, bdtaredi faditf, `fkin kenk`as
Pfkctkeg crmb rad`tkva tm prank`tkva den `ustmbksan faditf smiutkmes
?/0 mc pampia ke Dcrk`d fdva em d``ass tm aia`trk`kty den >/1 raiy me smikn okmbdss cmr `mmhkeg.
Pa`urkeg imw `drome aeargy sa`urkty den prmta`tkeg tfa aevkrmebaet
77% mc dnuits ke Dcrk`d nm emt fdva d odeh d``muet wktf odehkeg paeatrdtkme mc 7% ke @aetrdi Dcrk`d.
Kbprmvkeg ckede`kdi ke`iuskme den `fmk`as cmr tfa ax`iunan den OMZ.
Crmb _urdi Pbdiifminars tm Qrode Dutmbdt Dutmbdtan an @aetars @ aetars mc Cmmn Zrmnu`tkme
0N Zrketkeg ^a`f Oats
_momtk`s Okg Ndtd/DK
•
Zrmnu`ars< _urdi sbdiifminars smba idrga
•
^rdnktkmedi vagatdoias, vagatdoias, crukts, ^ypa mc Cmmn < ^rdnktkmedi
cdrbs.
Zrasaet< Wfara wa dra
badts
Cutura< Wfara wa dra gmkeg
•
Cm`us< Zravaet fuegar, bdieutrktkme
•
Zrmnu`ars< Dutmbdtan Dutmbdtan cdrbs, m`ades,
•
•
•
Kbpik`dtkme< Wfdt tfks bades
•
oukinkegs, idos. ^ypa mc Cmmn < Ido prmnu`an badt, 0N prketan, kesa`ts/bk`rmoas kesa`ts/bk`rmoas Cm`us< Zarsmedikzan eutrktkme Cmmn prmnu`tkme wkii bmva tmwdrns bmra rasmur`a acck`kaet batfmns. Pfkct mc cmmn prmnu`tkme crmb rurdi tm parkurode den urode drads.
Ldpdeasa `mbpdey ks tm mpae tfa wmrin‛s ckrst ’rmomt cdrb wktf kenustrkdi rmomts `drrykeg mut dii
tfa tdshs raqukran.
Fypmnrmek`s Fypmnrmek`s Haeyd Haeyd aedoias `fadp den sustdkedoia cdrbkeg wktfmut smki
Fdreasskeg `aiiuidr okmimgy tm prmnu`a cksf den sadcmmn oy grmwkeg faditfy bdrkea-dekbdi `aiis me tfakr mwe, kestadn mc ikva cksf.
Crmb _ad`tkva ^radtbaets tm Zrank`tkva, Zarsmedikzan Faditf`dra cmr Kenkvknudis DK/_momtk`s ^a`f Oats
•
Zrasaet< Wfara wa dra
• • •
•
Cutura< Wfara wa dra gmkeg
• • •
•
Kbpik`dtkme< Wfdt tfks bades
•
Ketagrdtan Nkdgemstk`s
Cm`us< Me kiieass den smba pravaetkme. pravaetkme. @mesubar < Abpmwaran Wmrh-cmr`a< Pabk/Phkiian, ZM@ navk`as @dra- naikvary naikvary < Mutpdtkaet, fmba-odsan. Cm`us< ^mwdrns Waiieass @mesubar < Zrkbdry na`kskme bdhar Wmrhcmr`a< Skrtudi, aboannan @dra- Naikvary< Naikvary< Skrtudi den ketagrdtan.
Ds `mesubar axpa`tdtkmes rksa, cm`us me prank`tkva, prank`tkva, parsmediksan faditf-`dra. faditf-`dra. Oiaenan bmnais mc ketagrdtan faditf `dra wktf ta`femimgy den fubde spa`kdiksts.
Wadrdoias
Wadrdoias cmr `fkinrae cmr bmektmrkeg fadrt den oradtfkeg rdtas den knaetkcykeg wdrekeg skges mc peaubmekd.
Qskeg `metkeumus pfyskmimgk`di bmektmrkeg den okm-bdtfabdtk`di bmnaikeg tm prmvkna keskgfts domut parsmedi den pmpuidtkme-wkna pmpuidtkme-wkna faditf, tfaraoy skgekck`detiy kbprmvkeg de kenkvknudi's dokikty tm bdha faditf den waiieass na`kskmes.
Pmutf Dcrk`d‛s ckrst
rmomt ks ke Zratmrkd! Qrmimgksts dt ^fa Qrmimgy Fmspktdi fdva ra`aetiy `mbpiatan tfa 4::tf su``asscui rmomtk` mpardtkme ke meiy skx bmetfs
Crmb Zdybaets Zdybaets den Bmokia Bmeay tm Fmikstk`, @ustmbkzan Ckede`kdi Parvk`as cmr @ustmbars* Oim`h`fdke ^a`f Oats
DK Okg Ndtd
•
Cm`us< Zdybaets den trdescars, iaenkeg. Bankub< @dsf, Bmokia Bmeay kestktutkmes, cketa`f Zrmvknars- Ckede`kdi kestktutkmes, @mesubars< Qrode/ZarkQrode/Zark- Qrode
•
Cm`us< Fmikstk` sarvk`assarvk`as- pdybaets, pdybaets, iaenkeg,
•
Zrasaet< Wfara wa dra
Cutura< Wfara wa dra gmkeg
• •
• • •
•
Kbpik`dtkme< Wfdt tfks bades
•
sdvkeg, kesurde`a den kevastbaets Bankub< @dsf-iass, @ryptm@ryptm- `urrae`y. `urrae`y. Zrmvknars< ^a`f `mbpdekas, paar eatwmrhs @mesubars< Zravkmusiy ueodehan Oattar sagbaetdtkme mc `ustmbars tfrmugf `ustmbkzdtkme den aefde`keg dccmrndokikty dccmrndokik ty ks raqukran. Keemvdtkva nkstrkoutkme `fdeeais bkx ke mrnar cmr naapaekeg paeatrdtkme
Iavardgas Oim`h`fdke ta`femimgyy tm prmvkna ta`femimg vary sfmrt tarb imdes cmr kecmrbdi bdrhat trdnars tm grmw tfakr ouskeassas den suppmrt tfab wktf dnvksmry den trdkekeg sarvk`a
Navaimpan d navk`a tfdt `mbokeas bd`fkea iadrekeg den drtkck`kdi ketaiikgae`a tm ke`radsa acck`kae`y ke tfa `mccaa suppiy `fdke.
^did usas ditaredtkva ndtd tm prmvkna `rankt tm tfa idrgaiy uenarsarvan,
Crmb Pmidr Zdeais tm Ketagrdtan Ketagrdtan Pmiutkmes @meea`tkeg Im`di Bkek Grkn wktf Zuoik` Grkn
^a`f Oats •
Cm`us< Imw d``ass tm aia`trk`kty den
•
Bankub< Papdrdta grkn den mcc-grkn
Pbdrt Grkns Kbprmvan Ptmrdga cd`kiktkas Oim`h`fdke
napaenae`a me okmbdss cmr cuai
Zrasaet< Wfara wa dra
smiutkmes •
•
Cm`us< imw `drome aeargy sa`urkty. Bankub< Ketagrdtan smiutkmes `mbprkskeg mc
•
im`di bkek-grkns ketar`meea`tan ketar`meea`tan wktf puoik` grkn @mesubars< Qekvarsdi d``ass tm aia`trk`kty
•
Cutura< Wfara wa dra gmkeg
•
Kbpik`dtkme< Wfdt tfks bades
@mesubars- Qrode/Zark- Qrode Drads
Eaan tm iavardga ta`femimgkas tm d``aiardta dnmptkme mc raeawdoia aearg aea rgkas kas,, imw-`d imw-`drom rome e smiutk smiutkmes mes den s`dia s`dia acck`kaet acck` kaet aeargy aeargy stmrdga stmrdga smiutkmes smiutkmes..
Aeargy nkstrkoutkme vkd d paar-tm-paar aeargy trdnkeg bmnai iavardgkeg `mevargae`a mc DK, Km^, den Oim`h`fdke.
Oim`h `fdke odsan graae aeargy trdnkeg pidtcmrb
D PBD_^ Pmidr pidtcmrb orkegkeg bd`fkea-iadrekeg den `ustmbar axparkae`a mptkbkzdtkme mptkbkzdtkme tm rurdi Dcrk`d. Mvar 61,::: systabs napimyan sm cdr
Cutura ^aesa mc ^a`f< Oat me Pystab @fdega
Ketaiia`dp _asadr`f Knaetkckan 1 iavars mc Kbpd`t @radtkme< @radtkme< Zrmvarokdi Gminbkea ks knaetkcykeg tfa ^a`femimgkas ^a`femimgkas tfdt `de acca`t P[P^AB @FDEGA
Zmtaetkdi Pystab @fdega< Dutmbdtkme Na`aetrdiksdtkme Qoarkzdtkme • • •
Edkrmok ^atazk ^mwar ^atazk ^mwarss Grmuen Grm uen Cim Cimmr, mr, Gam Gamrga rga Zdn Zdnbmr bmra a _mdn _mdn,, Hkikbdek, Hkikb dek, Edkrmo Edkrmok, k, Haey Haeyd d
^fdeh [mu Pfaaed _dkhuendikd, Abdki< sfaaed.rJketaiia`dp.`mb Bmokia< :7:70?0061
Bubodk 40D, ^a` 40D, ^a`fek fekpia piax-K x-KKK K^ Zdr Zdrh, h, 3tfCimmr MccSaar Pdv Pdvdrh drhdr dr Ciy Ciymva mvar, r, Gmr Gmragd agdme me Was Wast t BubodkBub odk- >:: >:::3? :3?,, Ken Kenkd kd
kecmJketaiia`dp.`mb www.ketaiia`dp.`mb
Odegdimra D__ Dr D__ Dr`d `dna na,, Em Em.. ?> ?>.. 4st Cimmr, rn 0 @rmss,Sk`tmrkd Idymu Idymut, t, Odegdimra Odegdi mra 13::> 13::>7 7
Fynardodn D4::?,Cimmr 4:, ‖D‛ Wkeg, D4::?,Cimmr ^fa Zidtke Zidtked, d, Gd`fkomwik, Fynardodn ‐ 1:::0 1:::0? ? Kenkd Zf.. Em Zf Em.. +; +;4 4 >:>:0::?: >:>:0::?:: :
