Igbbk pfheufh mihfhfm tb mft lnerbpbhnk nhn girnsnkfh frtnki` pi htnhj yfhj fkfh mimgfhtu fhef sicfrf tirpirnhc tirpirnhcnn efh snstimftns snstimftns uhtuk uhtuk mu`fn gircbcbk tfhfm lnerbpbhnk. -Futlbr UbmftLnerbpbhnk .Cbm-
_FHEYFH @IHJKF_ MIH HFM UBM U LNEWB_BHNK
Gfjfnmfhf Si Siguf Ubmft Gnsf Fhef Uum ulkfh En _ikfrfhjfh Wum l Eihjfh Mi Mimfkfn _n _np _TC efh F`f Sieirlfhf @fnhhyf - Ub ftLnerbpbhnk.Cbm-
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_fheufh _fheufh `ihjkfp `ihjkfp mihfhfm tbmft tbmft lnerbpbhnk lnerbpbhnk – UBMFULNEWB_BH UBMFULNEWB_BHNK.CBM NK.CBM
7
ENSC@FNMIW Fhef Gb`il1 •
Mimgfjnkfh igbbk nhn kipfef timfh fhef
•
Mimgfjnkfh Mimgfjnkfh igbbk igbbk nhn sicfrf jrftns en wigsnti/g`b wigsnti/g`bj j fhef tfpn fhef titfp mihyirtfkfh `nhk ki wignti UbmftLnerbpbhnk.Cbm
•
Mihjutnp tu`nsfh yfhj fef ef`fm igbbk nhn en g`bj ftfu wigsnti fhef, eihjfh cftftfth cftftfth fhef wfang mihyirtfkfh `nhk `nhk ki wigsnti UbmftLnerbpbhnk.Cbm
Fhef Unefk Engb`ilkfh1 Engb `ilkfh1 •
Mimpirauf`gi`nkfh igbbk nhn
•
Mihcitfk efh mihjugfl, mihjjfhtn, mihjfkun igbbk nhn sigfjfn kfryf fhef
Sn`flkfh ankf fhef nhjnh mirivniw igbbk nhn ftfu nsnhyf en wigsnti fhef, si`fmf fhef mihcfhtumkfh `nhk ki wigsnti kfmn k fmn UbmftLnerbpbhnk.Cbm
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_fheufh _fheufh `ihjkfp `ihjkfp mihfhfm tbmft tbmft lnerbpbhnk lnerbpbhnk – UBMFULNEWB_BH UBMFULNEWB_BHNK.CBM NK.CBM
EFDUFW NSN Clfptir 6. _fheufh Fwf` Lnerbpbhnk Gfjn _imu`f1 _ihjihf`fh, Kbmpbhih, efh Uirmnhb`bjn
Clfptir 7. 4 Aihns Snstim Lnerbpbhnk Efsfr
Clfptir 3. Uutbrnf` Uutbrnf` Mihfhfm Lnerbpbhnk Lnerbpbhnk En Wumfl
Clfptir 5. Mienf Ufhfm Lnerbpbhnk ^fhj Uipft Sisufn _n`nlfh Snstim Lnerbpbhnk Fhef
Clfptir 9. _fheufh @ihjkfp Mihfhfm Ubmft Lnerbpbhnk En Wumfl
3
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_fheufh _fheufh `ihjkfp `ihjkfp mihfhfm tbmft tbmft lnerbpbhnk lnerbpbhnk – UBMFULNEWB_BH UBMFULNEWB_BHNK.CBM NK.CBM
5
CLF_ CLF_UI UIW W6 _fheufh Fwf` Lnerbpbhnk Gfjn _imu`f1 _ihjihf`fh, Kbmpbhih, efh Uirmnhb`bjn
Enmfhf Uumgulfh Uumgul2 _irtfhyffh pf`nhj efsfr, enmfhf tumgulfh tumgulfh tumgul2 _irtfhyffh mfcfm fpf ntu2 Uihtu sfaf afwfgfhhyf en tfhfl! _fef efsfrhyf afwfgfh tirsigut tnefk`fl sf`fl sicfrf tikhns, tfpn tflukfl fhef mihjfpf gnsf sipirt sipirtnn ntu 2 Sigfjfn sisibrfhj yfhj sfhjft tirtfrnk eihjfh sijf`f lf` yfhj girkfntfh eihjfh girkiguh, sijf`f sij f`f lf` gnsf sfaf mihafen mihfrnk ankf girluguhjfh eihjfh tfhfmfh efh tikhnk girkiguh ntu sihenrn. Kntf simuf tflu gflwf tumgulfh mimir`ukfh hutrnsn uhtuk tumgul sicfrf mfksnmf`. @ignl klusus klusus `fjn, `fjn, tumgulfh mimgutulkfh hntrbjih, dbspbr, pbtfsnum, efh
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_fheufh _fheufh `ihjkfp `ihjkfp mihfhfm tbmft tbmft lnerbpbhnk lnerbpbhnk – UBMFULNEWB_BH UBMFULNEWB_BHNK.CBM NK.CBM
9
pihjitflufh nhn, sitnefkhyf en gfhjku sikb`fl en mftf pi`fafrfh gnb`bjn. Ef`fm kbhensn f`fmn, tfhfl fef`fl sftu-sftuhyf timpft gfjn tumgulfh uhtuk mihefpftkfh simuf hutrnsn yfhj vntf` uhtuk tumgul, tihtu sfaf hutrnsn h utrnsn tirsigut kigirfeffhhyf gir`nmpfl en tfhfl. Luafh mi`frutkfh simuf hutrnsn tirsigut ki tfhfl silnhjjf tumgulfh kimuenfh gnsf mihyirfphyf mi`f`un fkfr. Afen, tumgulfh mimgutulkfh tfhfl uhtuk efpft tumgul gukfh 2 tihtu sfaf SF@FL ! Ankf fkfr tfhfmfh gnsf mihefpftkfh hutrnsn tirsigut efrn sumgir `fnh, mfkf mfkf gnsf enkftfkfh tumgulfh tnefk `fjn mimgutulkfh tfhfl. Nhjft, yfhj tumgulfh gutulkfh uhtuk girkimgfhj fef`fl hutrnsnhyf, gukfh tfhflhyf, tfhfl lfhyf girduhjsn sigfjfn mienf timpft hutrnsn tirsigut `frut efh aujf girduhjsn uhtuk mihbpfhj tumgulfh tirsigut.
Kbhsip Lnerbpbhnk Ensnhn`fl kimuenfh kbhsip lnerbpbhnk enpfkfn, kbhsip lnerbpbhnk mimuhjknhkfh tumgulfh uhtuk entfhfm en ef`fm rufhjfh rufhjfh ftfu en timpft tirtihtu tirtihtu tfhpf girjfhtuhj pfef tfhfl, efh eihjfh eimnknfh fhef aujf gnsf mihjbhtrb` sitnfp fspik yfhj mimpihjfruln pirtumgulfh tfhfmfh. Mnsf`hyf fhef efpft mihjftur pihcflfyffh efh timpirftur, efh yfhj tirpihtnhj fhef gnsf mi`fkukfh mfhnpu`fsn sicfrf `fhjsuhj tirlfefp aum`fl fsupfh hutrnsn tumgulfh, yfhj mfhf girfrtn fhef tnefk `fjn mimgutulkfh tfhfl uhtuk mihumgulkfh tumgulfh tirsigut. Eihjfh mimgirnkfh tumgulfh tirsigut sijf`f lf` yfhj enpir`ukfh uhtuk tumgul sipirtn hutrnsn, cflfyf efh sulu, mfkf fhef gnsf mihefpftkfh pirtumgulfh yfhj `ignl cipft engfhenhjkfh mihjjuhfkfh mitbei girkiguh trfensnbhf` yfhj mihjjuhfkfh tfhfl. Lfsn`hyf yfhj gnsf enefpftkfh eihjfh tikhnk lnerbpbhnk fef`fl 1 tumgulfh tumgulfh yfhj `ignl gisfr, `ignl silft, efh lfsn` gufl yfhj `ignl gfhyfk efh mfksnmf`. lnerbpbhnk , yfhj mfhf pfef efsfrhyf kbhsip lnerbpbhnk Fef gigirfpf aihns gigirfpf aihns tikhnk / snstim lnerbpbhnk, gnsf en`fkukfh sicfrf sieirlfhf mihjjuhfkfh snstim lnerbpbhnk mfhfpuh.
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_fheufh _fheufh `ihjkfp `ihjkfp mihfhfm tbmft tbmft lnerbpbhnk lnerbpbhnk – UBMFULNEWB_BH UBMFULNEWB_BHNK.CBM NK.CBM
4
Nstn`fl efh kbmpbhih lnerbpbhnk _fef fwf` mu`f sfyf gi`fafr tihtfhj lnerbpbhnk, sfyf sfhjft gnhjuhj enkfrihfkfh gfhyfkhyf sumgir ftfupuh hfskfl yfhj mimgflfs tihtfhj cfrf girtfhfm lnerbpbhnk, lnerbpbhnk, silnhjjf fwf`hyf mimguft sfyf kisu`ntfh uhtuk mihimukfh pfheufh yfhj sfhjft tipft uhtuk gircbcbk tfhfm lnerbpbhnk. Mfkf efrn ntu ntu pfheufh Aurhf` Ubmft Lnerbpbhnk nhn sfyf guft uhtuk fjfr `ignl mimueflkfh fhef uhtuk gircbcbk tfhfm tfhfmfh lnerbpbhnk. En pfheufh lnerbpbhnk nhn sfyf fkfh mimgflfs lf`-lf` efsfr mihjihfn lnerbpbhnk, gfnk ntu snstim lnerbpbhnk, guenefyf lnerbpbhnk, hutrnsn lnerbpbhnk, efh sicfrf klusus tihtfhj tbmft lnerbpbhnk. Sigfjfn fsupfh frtnki` tfmgflfh aujf sfyf sienfkfh `nhk-`nhk frtnki` pihtnhj `fnhhyf yfhj girluguhjfh eihjfh cfrf guenefyf lnerbpbhnk klusushyf tbmft lnerbpbhnk en wigsnti tbmftlnerbpbhnk.cb tbmftlnerbpbhnk.cbm m En snhn fhef fkfh mihimukfh mihimukfh pihjirtnfh efrn gigirfpf tirmnhb`bjn ftfu nstn`fl-nstn`fl lnerbpbhnk, efh aujf kbmpbhih umum `fnhhyf yfhj sf`nhj girkfntfh sftu sfmf `fnh uhtuk mimgihtuk sigufl snstim lnerbpbhnk yfhj utul.
6. hutr utrniht niht sb` sb`ut utnb nbh h – sb`usn `usn hutrni hutrnih h – `frutf `frutfh h hu hutr trnsn nsn Hutrnih sb`utnbh ftfu sumgir hutrnsn gnsf enkftfkfh gfjnfh tirpihtnhj efrn snstim lnerbpbhnk. Kieihjfrfhhyf sfhjft rumnt, yf
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_fheufh _fheufh `ihjkfp `ihjkfp mihfhfm tbmft tbmft lnerbpbhnk lnerbpbhnk – UBMFULNEWB_BH UBMFULNEWB_BHNK.CBM NK.CBM
:
ef`fm fnr. (mfsnl nhjft kbhsip en fwf` tfen tihtfhj hutrnsn yfhj `frut b`il fnr luafh2) F`fsfh utfmf girkiguh lnerbpbhnk sfhjft idiktnd enkfrihfkfh tumgulfh tumgulfh engirnkfh mfkfhfh gukfh lfhyf fnr, hfmuh fnr tirsigut aujf ti`fl mihjfheuhj hutrnsn lnerbpbhnk yfhj vntf` uhtuk pirtumgulfh tumgulfh. Fhef efpft mimgi`n `frutfh hutrnrn nhn (ef`fm cfmpurfh yfhj girgief gief, yfhj eneisfnh klusus uhtuk tumgulfh tirtihtu) yfhj yfh j mfhf cfrf pimfkfnfhhyf cukup jfmpfhj yfntu cukup encfmpurkfh ki ef`fm fnr fnr eihjfh pirgfhenhjfh tirtihtu sisufn aihns sisufn aihns hutrnsn lnerbpbhnk yfhj lnerbpbhnk yfhj enpfkfn. Hutrnih sb`utnbh ftfu sb`usn hutrnsn fef`fl nstn`fl yfhj kntf juhfkfh uhtuk fnr yfhj ti`fl encfmpurkfh eihjfh hutrnih tirsigut.
7. hu hutr trni nih ht risi risirrvbnr vbnr – gfk gfk pihfmpuhjfh hutrnih Hutrniht risirvbnr, risirvbnr, kfefhj kfefhj aujf ensigu ensigutt risirvbnr, fef`fl sigufl gfk ftfu wfefl enmfhf sb`usn hutrnsn tfen ensnmpfh sigi`um engirnkfh kipfef tfhfmfh lnerbpbhnk. Gnfsfhyf girupf fkufrnum gikfs, gfk p`fstnk, ftfu fpfpuh yfhj pfef efsfrhyf efpft mihynmpfh fnr. Hfmuh pihtnhj uhtuk enkitflun gflwf risirvbnr lnerbpbhnk tirsigut tnefk gb`il tirguft efrn
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_fheufh _fheufh `ihjkfp `ihjkfp mihfhfm tbmft tbmft lnerbpbhnk lnerbpbhnk – UBMFULNEWB_BH UBMFULNEWB_BHNK.CBM NK.CBM
<
3. wfefl tumgul – tf`fhj tumgul
_fef kigfhyfkfh snstim lnerbpbhnk fhef gnfsfhyf mihimukfh tumgulfh lnerbpbhnk tumgul tirpnsfl efrn risirvbnr. Ufhfmfh lnerbpbhnk gnfsfhyf entumgulkfh pfef suftu timpft yfhj enhfmfkfh wfefl tumgul ftfu ftfu tf`fhj tumgul, kfrihf pfef umumhyf enjuhfkfh tf`fhj ftfu pnpf pvc ftfu pnpf prf`bh uhtuk wfefl tumgulfh.
5. ei`nvi ei`nviry ry systim systim – snstim snstim pihjfh pihjfhtfr tfrfh fh hutrns hutrnsnn Sipirtn yfhj enkitflun gflwf pfef umumhyf wfefl tumgul enpnsflkfh eihjfh risirvbnr hutrnsn silnhjjf engutulkfh sigufl snstim yfhj girduhjsn uhtuk mihjfhtfr `frutfh `frutfh hutrnsn efrn risirvbnr
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_fheufh _fheufh `ihjkfp `ihjkfp mihfhfm tbmft tbmft lnerbpbhnk lnerbpbhnk – UBMFULNEWB_BH UBMFULNEWB_BHNK.CBM NK.CBM
>
4. fnr fnrstbh stbhi i – gunl unl uef uefrf Fnrstbhi ftfu gunl uefrf sigihfrhyf gukfh`fl suftu kiwfangfh yfhj lfrus fef pfef sigufl snstim lnerbpbhnk, hfmuh gnsf enkftfkfh lfhyf pi`ihjkfp, hfmuh cukup sfyf rikbmihefsnkfh. _irhflkfl fhef mi`nlft ki ef`fm fqufrnum efh mi`nlft gfhyfk ji`imguhj gunl efrn efsfr fqufrnum2 Gunl tirsigut enlfsn`kfh b`il snstim yfhj enhfmfkfh fnrstbhi. Fnrstbhi sfhjft gfnk ef`fm mihfmgflkfh hutrnsn, yfhj mfhf bksnjih ki ef`fm `frutfh hutrnsn, gnsf mihnhjkftkfh kicipftfh pirtumgulfh pfef tfhfmfh lnerbpbhnk fhef. Ankf tnefk fef pbmpf fnr, efh tnefk fef fnrstbhi, mfkf gnsf enpfstnkfh gflwf aum`fl bksnjih ef`fm fnr ftfu `frutfh hutrnsn sfhjft`fl sienknt. Snstim Snstim fnrstbhi fef`fl sb`usn uhtuk mfsf`fl nhn,mimgfhtu mihjlfsn`kfh bksnjih tfmgflfh efh mihafjf `frutfh hutrnsn titfp sijfr.
:. Mien Mienf f tfhf tfhfm m lner lnerbp bpbh bhnk nk Mienf tfhfm lnerbpbhnk fef`fl mienf timpft enmfhf tfhfmfh lnerbpbhnk fkfh tumgul. Ankf fhef mihfhfm tumgulfh en kiguh, tihtu sfaf mienf tfhfmhyf fef`fl tfhfl. Hfmuh tihtuhyf tumgulfh tnefk si`fmfhyf mimgutulkfh tfhfl uhtuk tumgul, efh fef gfhyfk mienf `fnhhyf
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_fheufh _fheufh `ihjkfp `ihjkfp mihfhfm tbmft tbmft lnerbpbhnk lnerbpbhnk – UBMFULNEWB_BH UBMFULNEWB_BHNK.CBM NK.CBM
6?
Widirihsn efh Gfcffh Ufmgflfh guft fhef Siputfr efsfr girtfhfm lnerbpbhnk gnsf fhef efpftkfh en1 lttp1//tbmftlnerbpbhnk.cbm/cftijbry/cfrf-mihfhfm-lnerbpbhnk lttp1//tbmftlnerbpbhnk.cbm/cftijbry/cfrf-mihfhfm-lnerbpbhn k lttp1//tbmftlnerbpbhnk.cbm/cftijbry/efsfr-lnerbpbhnk lttp1//tbmftlnerbpbhnk.cbm/cftijbry/efsfr-lnerbpbhn k
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_fheufh _fheufh `ihjkfp `ihjkfp mihfhfm tbmft tbmft lnerbpbhnk lnerbpbhnk – UBMFULNEWB_BH UBMFULNEWB_BHNK.CBM NK.CBM
66
CLF_UIW 7 4 Aihns Snstim Lnerbpbhnk Efsfr Kf`fu fhef suefl mimgfcf mimgfcf frtnki` frtnki` sigi`umhyf, fhef pfstn suefl mihjitflun sfhjft gfhyfk kiuhtuhjfh yfhj gnsf enefpftkfh eihjfh gircbcbk tfhfm sicfrf lnerbpbhnk. Sieirlfhfhyf, sfhjft`fl su`nt mihcfpfn kicipftfh pirtumgulfh tfhfmfh yfhj yfh j sfhjft cipft efh mfksnmf` ankf lfhyf mihjfhef`kfh cfrf gircbcbk tfhfm kbhvihsnbhf` kbhvihsnbhf` mihjjuhfkfh mienf tfhfl. Girgief Girgief lf`hyf ankf mihjjuhfkfh snstim gircbcbk tfhfm sicfrf lnerbpbhnk enmfhf fhef gnsf mihjftur kigutulfh hutrnsn tfhfmfh lnerbpbhnk, kigutulfh cflfyf tfhfmfh lnerbpbhnk, lnhjjf sulu yfhj tipft gfjn tfhfmfh lnerbpbhnk silnhjjf mimfksnmf`kfh mimfksnmf`kfh lfsn` efh kicipftfh pirtumgulfh pirtumgulfh tfhfmfh. Sigi`um kntf aful tir`f`u ef`fm mfsuk ki pimgflfsfh mihjihfn lnerbpbhnk, fef gfnkhyf ankf kntf mimgflfs tir`ignl eflu`u lf` efsfr yfhj pf`nhj pihtnhj pihtnhj yfntu snstim lnerbpbhnk. lnerbpbhnk. Siauaurhyf sfyf sihenrn pfef fwf`hyf sfhjft gnhjuhj ef`fm mihihtukfh snstim lnerbpbhnk yfhj tipft kfrihf fef sfhjft gfhyfk snstim lnerbpbhnk, kftfkfh`fl fef rftusfh aihns snstim lnerbpbhnk. Hfmuh ankf enti`usurn sicfrf mihef`fm, sigihfrhyf rftusfh aihns snstim nhn pfef efsfrhyf mihjfcu ftfu enguft efrn sf`fl sftu prnhsnp efsfr efrn 4 snstim lnerbpbhnk yfhj fef, ftfu gnsf aujf mirupfkfh jfguhjfh efrn 7 ftfu `ignl snstim lnerbpbhnk yfhj fef (snstim lnerbpbhnk lnerbpbhnk lngrne). Mimflfmn efsfr efrn snstim lnerbpbhnk ntu sihenrn fkfh sfhjft mimgfhtu fhef uhtuk mimflfmn aihns snstim lnerbpbhnk sigi`um mihjfmgn` kiputusfh uhtuk mihjjuhfkfh aihns
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_fheufh _fheufh `ihjkfp `ihjkfp mihfhfm tbmft tbmft lnerbpbhnk lnerbpbhnk – UBMFULNEWB_BH UBMFULNEWB_BHNK.CBM NK.CBM
67
6. Snstim Lnerbpbhnk Ernp / lnerbpbhnk snstim titis / Ernp Systim
Aihns snstim lnerbpbhnk yfhj pf`nhj gfhyfk enjuhfkfh fef`fl snstim lnerbpbhnk ernp ftfu snstim
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_fheufh _fheufh `ihjkfp `ihjkfp mihfhfm tbmft tbmft lnerbpbhnk lnerbpbhnk – UBMFULNEWB_BH UBMFULNEWB_BHNK.CBM NK.CBM
63
Fef euf aihns snstim lnerbpbhnk ernp, yfntu ricbviry ernp systim (snstim ernp efur u`fhj) efh hbh ricbviry ernp systim (systim ernp sikf`n f`nr). _imgfjnfh aihns ernp snstim nhn enefsfrkfh pfef gfjfnmfhf `frutfh h utrnsn tirsigut enf`nrkfh, fpfkfl `frutfh tirsigut fkfh enefur u`fhj(enpfkfn kimgf`n) ftfukfl lfhyf sikf`n pfkfn. _fef ricbviry ernp systim, ftfu snstim ernp efur u`fhj, `frutfh hutrnsn yfhj ti`fl enf`nrkfh ki tfhfmfh lnerbpbhnk fkfh enf`nrkfh enf`nrkfh kimgf`n ki ef`fm risirvbnr ftfu gfk pihfmpuhjfh pihfmpuhjfh `frutfh hutrnsn silnhjjf tnefk fef `frutfh hutrnsn yfhj yfh j tirgufhj, efh efpft enpfkfn kimgf`n, snstim nhn sfhjft`fl idnsnih kfrihf tnefk engutulkfh mfnhtihfhci ftfu pirfwftfh yfhj miripbtkfh. Hfmuh eihjfh mihjjuhfkfh snstim ernp efur u`fhj, fhef lfrus mi`fkukfh pihjicikfh sicfrf girkf`f tirlfefp kfheuhjfh hutrnsn ef`fm risirvbnr `frutfh hutrnsn, kfrihf simfknh sirnhj en efur u`fhj mfkf kfheuhjfh hutrnsnhyf fkfh simfknh girkurfhj, ntu ensigfgkfh b`il hutrnsn yfhj fef i`fl ensirfp b`il tfhfmfh lnerbpbhnk. 7. snstim lnerbpbhnk igg efh d`bw ftfu snstim lnerbpbhnk lnerbpbhnk pfsfhj surut
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_fheufh _fheufh `ihjkfp `ihjkfp mihfhfm tbmft tbmft lnerbpbhnk lnerbpbhnk – UBMFULNEWB_BH UBMFULNEWB_BHNK.CBM NK.CBM
65
pfsfhj surut nhn gikiraf eihjfh prnhsnp yfhj lfmpnr sfmf eihjfh snstim lnerbpbhnk ernp / titis, hfmuh snstim pfsfhj surut igg d`bw nhn `ignl sieirlfhf `fjn, silnhjjf sfhjft enfhaurkfh mijjuhfkfh snstim nhn gfjn fhef yfhj yfhj mfsnl pimu`f efh gfru tirauh ki ki ef`fm euhnf tfhfmfh lnerbpbhnk. Sipirtn lf`hyf ef`fm snstim ernp ftfu snstim lnerbpbhnk titis, snstim igg efh d`bw ftfu snstim lnerbpbhnk pfsfhj surut nhn aujf mihjjuhfkfh risirvbnr ftfu gfk pihfmpuhjfh `frutfh hutrnsn, yfhj mihafjf `frutfh hutrnsn titfp tirpnsfl efrn wfefl tfhfm tfhfmfh tfhfmfh lnerbpbhnk, enmfhf risirvbnr `frutfh hutrnsn nhn en`itfkkfh en gfwfl g fwfl wfefl tumgul tfhfmfh lnerbpbhnk. _bmpf eihjfh tnmir enjuhfkfh efh enfktndkfh sicfrf girkf`f uhtuk mihjf`nrkfh `frutfh hutrnsn efrn risirvbnr ki wfefl tfhfm. Kitnkf pbmpf fktnd, pbmpf fkfh mihjf`nrkfh `frutfh hutrnsn ki wfefl tfhfm, `frutfh hutrnsn nhn fkfh enf`nrkfh efh mimgfhanrn ftfu sfmpfn `frutfh hutrnsn tirsigu tirtfmpuhj pihul en wfefl tfhfm, ntu`fl mihjfpf enkftfkfh ‐pfsfhj‐. Kitnkf wfefl tfhfm tfhfmfh lnerbpbhnk ti`fl pihul eihjfh `frutfh hutrnsn, ftfu ti`fl tirafen pfsfhj, mfkf snstim fkfh girlihtn mihjf`nrkfh `frutfh hutrnsn, `f`u siti`flhyf fnr fkfh kimgf`n
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_fheufh _fheufh `ihjkfp `ihjkfp mihfhfm tbmft tbmft lnerbpbhnk lnerbpbhnk – UBMFULNEWB_BH UBMFULNEWB_BHNK.CBM NK.CBM 3. snstim lnerbpbhnk HDU (hutrniht dn`m ticlhnqui)
69
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_fheufh _fheufh `ihjkfp `ihjkfp mihfhfm tbmft tbmft lnerbpbhnk lnerbpbhnk – UBMFULNEWB_BH UBMFULNEWB_BHNK.CBM NK.CBM
64
Kfrihf tnefk fefhyf pihjftur wfktu ftfu tnmir, mfkf yfhj fhef `fkukfh lfhyf mihjnsn risirvbnr eihjfh `frutfh hutrnsn `f`u mihyf`fkfh pbmpf fnr. Lf` nhn nh n mihafenkfh snstim HDU nhn mimir`ukfh pirfwftfh yfhj sfhjft mnhnmf`, fhef lfhyf cukup mi`fkukfh kbhtrb` tirlfefp kfheuhjfh hutrnsn `frutfh. Kfrihf snstim nhn giraf`fh sicfrf tirus mihirus ef`fm wfktu `fmf, mfkf fef gfnkhyf fhef mimfsfhj fnrstbhi pfef risirvbnr `frutfh hutrnsn, fnrstbhi nhn girduhjsn uhtuk mihjlfsn`kfh ji`imguhj bksnjih silnhjjf mihafmnh prbsis bksnjihfsn `frutfh hutrnsn. 5. Snstim Firbpbhnk
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_fheufh _fheufh `ihjkfp `ihjkfp mihfhfm tbmft tbmft lnerbpbhnk lnerbpbhnk – UBMFULNEWB_BH UBMFULNEWB_BHNK.CBM NK.CBM
6:
tnhjjn yfhj fkfh mihyimprbtkfh `frutfh hutrnsn ki fkfr tfhfmfh lnerbpbhnk silnhjjf fkfh mihjlfsn`kfh simfcfm kfgut yfhj fkfh mimgfsfln fkfr tfhfmfh. Eihjfh mihjfhef`kfh `frutfh hutrnsn yfhj girupf kfgut tirsigut, mfkf kfheuhj fh hutrnsn yfhj enefpftkfh sitnfp tfhfmfh gnsf enkftfkfh tnefk`fl sigfhyfk engfhenhjkfh yfhj enefpft ankf mihjjuhfkfh snstim lnerbpbhnk `fnhhyf, kftfkfh`fl HDU mfupuh snstim pfsfhj surut. Silnhjjf prbsis pimgirnfh `frutfh hutrnsn lfrus `ignl sirnhj en`fkukfh, efh aujf pihyienffh pbmpf girtikfhfh yfhj `ignl gfhyfk, lf` nhn girfrtn gnfyf yfhj engutulkfh uhtuk snstim firbpbhnk nhn `ignl gisfr ankf engfhenhjkfh eihjfh gnfyf g nfyf yfhj engutulkfh b`il snstim lnerbpbhnk `fnhhyf.
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_fheufh _fheufh `ihjkfp `ihjkfp mihfhfm tbmft tbmft lnerbpbhnk lnerbpbhnk – UBMFULNEWB_BH UBMFULNEWB_BHNK.CBM NK.CBM
6<
Girgief eihjfh systim lnerbpbhnk yfhj suefl sfyf gflfs sigi`umhyf, pfef systim EZC ftfu rfknt fpuhj nhn tnefk fef pimnsflfh fhtfrf risirvbnr `frutfh hutrnsn eihjfh wfefl tfhfm. Hfmuh wfefl tfhfm, yfhj gnfsfhyf girupf Styrbdbfm en`itfkkfh en`itfkkfh mihjfpuhj en ftfs wfefl `frutfh hutrnsn. Zfefl mihjfpuhj nhn yfhj mfhf tirguft efrn Styrbdbfm fkfh mihafjf gfjnf ftfs tfhfmfh sipirtn gftfhj efh efuh titfp girfef en ftfs `frutfh hutrnsn, simihtfrf gfjnfh fkfr fkfh girfef en ef`fm `frutfh hutrnsn mihefpftkfh kigutulfh hutrnsnhyf. Kfrihf tnefk fefhyf snrku`fsn `frutfh hutrnsn pfef systim nhn, mfkf ensfrfhkfh uh tuk mihfmgflkfh f`ft fnrstbhi pfef pfef `frutfh hutrnsn fjfr `frutfh hutrnsn titfp tirbksnjihfsn.
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_fheufh _fheufh `ihjkfp `ihjkfp mihfhfm tbmft tbmft lnerbpbhnk lnerbpbhnk – UBMFULNEWB_BH UBMFULNEWB_BHNK.CBM NK.CBM
6>
Snstim fqufpbhnk. ^f fhef tnefk sf`fl `nlft, snstim fqufpbhnk mihjjuhfkfh nkfh lneup. Aful sfhjft girgief eihjfh snstim lnerbpbhnk `fnhhyf, snstim lnerbphnk fqufpbhnk nhn mihcnptfkfh suftu gihtuk ikbsnstim tirsihenrn yfhj sf`nhj mihjuhtuhjkfh, mihjuhtuhjkfh gfj n tfhfmfh lnerbpbhnk yfhj girfef en gfjnfh ftfs efh aujf mihjuhtuhjkfh gfjn ikbsnstim gfwfl fnr yfhj fef en gfwflhyf. _fef snstim fqufpbhnk nhn, nkfh nkfhfkfh lneup en ef`fm risirvbnr `frutfh hutrnsn. Kbtbrfh nkfh tirsigut fkfh mihjlfsn`kfh fmmbhnf yfhj en`ipfskfh ki fnr, gijntupuh eihjfh mfkfhfh yfhj mimgusuk yfhj fkfh mihjlfsn`kfh fmmbhnf. Fmmbhnf gnsf mihafen rfcuh gfjn nkfh yfhj fef
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_fheufh _fheufh `ihjkfp `ihjkfp mihfhfm tbmft tbmft lnerbpbhnk lnerbpbhnk – UBMFULNEWB_BH UBMFULNEWB_BHNK.CBM NK.CBM Widirihsn Widirihsn efh Gfcffh Gfcffh Ufmgflfh Ufmgflfh guft fhef Siputfr Siputfr SNstim SNstim lnerbpbhnk lnerbpbhnk gnsf fhef fhef efpftkfh en1
lttp1//tbmftlnerbpbhnk.cbm/cftijbry/lnerbpbhnk-snstim-igg-d`bw lttp1//tbmftlnerbpbhnk.cbm/cftijbry/lnerbpbhnk-snstim-hdt lttp1//tbmftlnerbpbhnk.cbm/cftijbry/lnerbpbhnk-snstim-wnck lttp1//tbmftlnerbpbhnk.cbm/cftijbry/aurhf`-tbmft-lnerbpbhnk
7?
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_fheufh _fheufh `ihjkfp `ihjkfp mihfhfm tbmft tbmft lnerbpbhnk lnerbpbhnk – UBMFULNEWB_BH UBMFULNEWB_BHNK.CBM NK.CBM
76
CLF_UIW 3 Uutbrnf` Mihfhfm Lnerbpbhnk en Wumfl Siti`fl mimgfcf frtnki`-frtnki` sigi`umhyf tihtfhj efsfr efsfr lnerbpbhnk, efh aihns-aihns snstim lnerbpbhnk, fhef pfstn mihyfefrn gflwf lnerbpbhnk lnerbpbhnk nhn mirupfkfh suftu gihtuk tikhb`bjn yfhj sfhjft mbeirh, gflkfh gigirfpf n`muwfh miheienkfsnkfh enrnhyf uhtuk mihcnptfkfh gigirfpf aihns snstim lnerbpbhnk nhn lfhyf uhtuk mihefpftkfh lfsn` tfhfmfh yfhj mfksnmf` eihjfh mienf tfhfm efh tikhnk gircbcbk tfhfm yfhj sfhjft sieirlfhf. Sigfjfn sibrfhj pimu`f ef`fm euhnf lnerbpbhnk, lf` nhn tihtu mimguft fhef mirfsf tirtfhtfhj, h
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_fheufh _fheufh `ihjkfp `ihjkfp mihfhfm tbmft tbmft lnerbpbhnk lnerbpbhnk – UBMFULNEWB_BH UBMFULNEWB_BHNK.CBM NK.CBM
77
Sipirtn yfhj enkitflun, gflwf snstim lnerbpbhnk rfknt fpuhj nhn sfhjft uhnk efh sieirlfhf kfrihf risirvbnr `frutfh hutrnsn tnefk pir`u en`itfkkfh tirpnsfl eihjfh wfefl tfhfmfh lnerbpbhnk. Nhn frtnhyf lnerbpbhnk eihjfh snstim rfknt fpuhj nhn sfhjft muefl efh murfl uhtuk
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_fheufh _fheufh `ihjkfp `ihjkfp mihfhfm tbmft tbmft lnerbpbhnk lnerbpbhnk – UBMFULNEWB_BH UBMFULNEWB_BHNK.CBM NK.CBM
73
Ykur`fl `ufs pirmukffh wfefl `frutfh hutrnsn fhef, `f`u pbtbhj`fl Styrbdbfm sisufn ukurfh. Si`fhauthyf `ugfhjn Styrbdbfm tfen uhtuk timpft mimfsukkfh tfhfmfh lnerbpbhnk fjfr fkfrhyf efpft mihjjfhtuhj en gfjnfh gfwfl efh mihepfftkfh fsupfh efrn `frutfh hutrnsn.
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_fheufh _fheufh `ihjkfp `ihjkfp mihfhfm tbmft tbmft lnerbpbhnk lnerbpbhnk – UBMFULNEWB_BH UBMFULNEWB_BHNK.CBM NK.CBM
CLF_UIW 5 Mienf Ufh
Lnerbpbhnk Lnerbpbhnk Mfhf ^fhj ^fhj Uipft Yhtuk Fhef Fhef Juhfkfh2 Juhfkfh2
75
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_fheufh _fheufh `ihjkfp `ihjkfp mihfhfm tbmft tbmft lnerbpbhnk lnerbpbhnk – UBMFULNEWB_BH UBMFULNEWB_BHNK.CBM NK.CBM
79
Lf` girnkuthyf yfhj cukup pihtnhj fef`fl fhef tihtuhyf mihjnhjnhkfh fjfr mienf tfhfm fhef mfmpu mihynmpfh bksnjih, bksnjih, tfhfmfh mimgutulkfh mimgutulkfh uhtuk tumgul efh tihtuhyf sigufl kiuhtuhjfh gisfr ankf mienf tfhfm fhef mfmpu mihynmpfh mihynmpfh kfefr bksnjih yfhj gfnk.
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_fheufh _fheufh `ihjkfp `ihjkfp mihfhfm tbmft tbmft lnerbpbhnk lnerbpbhnk – UBMFULNEWB_BH UBMFULNEWB_BHNK.CBM NK.CBM
74
Wbckwbb` mirupfkfh sf`fl sftu mienf tfhfm yfhj `ufr gnfsf idiktnd, pbpu`frntfshyf simfknh tihfr pfef gigirfpf tfluh gi`fkfhjfh nhn, efh gfhyfk enjuhfkfh pfef pirkiguhfh lnerbpbhnk kbmirsn`.
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