matika TsSn³TUeTA sarrbs;elakrbfanrkumrbwksapi)al 6 éngacivkmμ sarrbs;gkánayk 7 GPi)alkic

Átírás

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2 matika 1 B½t mantuetarbs;fnakar TMB½r 1 ebskkmμ nigckçúvis½y 2 TidæPaBTUeTArbs;FnaKar 3 GgÁkarelxrbs;FnaKar 3 r)aykarn_hirbaøvtßúsegçbry³ebl4qñam 4 lt plgnuvtþgacivkmμkñúgqñam 5 TsSn³TUeTA sarrbs;elakrbfanrkumrbwksapi)al 6 éngacivkmμ sarrbs;gkánayk RkumRbwkSaPi)al 8 KN³RKb;RKg 8 GPi)alkic RbvtþirUbrbs;KN³RKb;RKg 10 r)aykarn_rkumrbwksapi)al 12 r)aykarn_kn³rkb;rkg 15 r)aykarn_rbs;sñgkarknniékracü 17 r)aykarn_lt pl 18 taragtulükar 19 r)aykarn_sþibikarerbrbylenakñúgmulnifipaktunik 20 r)aykarn_hirbaøvtßú r)aykarn_lmhursac;r)ak; 21 ßúRbcaMqñaM kmnt;smkal;cmebahr)aykarn_hirbaøvtßú 22 PaKITMnak;TMngbreTs esckþiennamsþg;darénkartutat; 41

3 1 B&t mantuetarbs FnaKar RTg RTayKtiyutþ TIsñak karknþal edimtuncu¼bba I GaCJab&NÑGaCIvkmµelIkdMbUg viesafnkmµlkçnþik cu¼bba IBaNiC kmµsarcafµi FnaKarrdæcMruHÉkCn sßitenagakarelx3 rukçvifirkmyns sgáat;psarfμi1 x½nðdunebj racfanipñmebj RBHraCaNacRkkm<úCa. RbGb;sMbuRt 1550 PNH, Cambodia TUrs½BÞ ³ +855 (0) / / TUrsar ³ +855 (0) / GuIEml ³ ftb@camnet.com.kh SWIFT: FTCCKHPP 50/000/000/000erol elx16 cuhéf TI04 Exmkra qñam2001 viesafnkmμlkçnþik³enafnakarcatiénkm<úcaenaéf TI14 Exmifuna qñam2006 elx Co M cuhéf TI 21 Exmifuna qñam2006

4 ebskkmµ edim,ierbkøaycafnakard¾l myyenakm<úca enakñúgcmenorbs;gtificn kmritesvakmμ nigkmrit plitpl. eyignwgefviegaysmercnuvebskkmμxagelienh edaypþl;nuvesvakmμfñak; elxmyy nigplitplhirbaøøvtßúya:gsmrmü nigrbkbedaykarécñrbdit edayminrtwmet begáitegaymaneligenahet KWeFVIeGaymantMélCaGtibrmasMrab;GtifiCn nigpaktunik rbs;eyig. kñúgnamcaggápabmyy eyigrbwgerbgegaygs;lt PaB edim,iecakc½y PaBl bmput nig Rbkbedaysþg;darx<s;bMput srmab;gviedleyigefviedayerciserisbukálikedlman KuNPaBkMBUl begáitkenøgefvikaredlrbkbedaytinñplx<s; pþl;bridæaneronsurtrbkb edaysuxpab nigttylsáal; RBmTaMgpþl;rgVan;dl;buKÁlikeyIg nigksagrkumkargarmyy mansmtßpab nigertomxøündwknamfnakareq<ahetakan;sm½ykalfμirbkbedayecakc½y. 2 3 ckçúvis&y TidæPaBTUeTArbs FnaKarBaNiC kmµerkarbets énkm<úca FnaKarBaNiC kmμerkarbets énkm<úca)anbegáiteligenaéf TI10 Extula qñam1979 edaygnurkitüelx1213 kñúggtitrbbrdækm<úca kñúgekaleda ³ efvirbtibtþikar nigpþl;esvakmμfnakar RKb;RKgRbtibtþikarTijdUrrUbiyb½NÑ RbtibtþikarTUTat;GnþrCati pþl;\ntanrkb;rbept rymcmenkkarbarrubiyvtßúcati nigrtbüsm,tþirdæ BRgwgesdækic nigtmnak;tmngvb,fm xagkñúg nigxagerkarbets efvirbtibtþikarkñúgrubpabcanitibukáledayelk BIrdæaPi)al cab;biéf RbvtþisaRsþ7mkra qñam1979 EdlCaéf rmedah dl;qñam1999 FnaKar)anRbwgERbgedIm,IeFVI[sMerceKaledAxagelIenH edayefvi Rbtibtþikarrbs;xøÜnkñúgnamCanaykdæanmYyrbs;FnaKarCati énkm<úca. edaymanerobcmrbb½n GaCIvkmμ nignitivifismrsb FnaKar)anedIrtYnaTImYyya:gskmμ kñúgtipsarkñúgrsuk nigerka RbeTs EdlTTYl)anCalT plmkvij KWkar)ancUlrYmcMENkkñúg karsþaresdækic énrbetskm<úca. minyurb:unμan FnaKark¾)anTTYl TMnukcitþGMBIGtifiCn nig)anksagsmtßpabbec ketscam)ac;smrab; efvigacivkmμ)ancmenj. cab;biqñam1999mk kñúgekaledacmrujkmeninesdækic edaypþl;»kas egayfnakarcati énkm<úca efvikarepþatgarmμn_elitynatirbs;xøün kan;etxøamgkøaelig kñúgnamcafnakarknþal nigcagacjafrrubiyvtßú Cati karefviékcnpavubniykmμrtuv)ankmnt;caknøwhsmxan;srmab; EkTMrg;FnaKar. dmenirkarékcnpavubniykmμenh RtUv)anerobcMeLIg niggnuvtþtamkmμvifikat;bnßypabrkirkrbs;racrdæapi)al. enaéf TI01 ExsIha qñam2000 FnaKarCati énkm<úca )anbnþkar EkTMrg;rbs;xøÜneGaykan;EtskmμeLIgEfmeTot eday)anepþr GtþsBaØaNkmμrbs;FnaKarBaNiC kmμerkarbets énkm<úca etaca FnaKarBaNiC rbs;rdæmancritcarkwhsßansafarn³edlmanlkçn³ esdækic. ekaledaénkarektmrg;enh KWedIm,I[FnaKareFVIGaCIvkmμ svy½tesμimuxcamyyfnakarbanic d¾étetot edayep kelic,ab;sþibi {RKwHsßanFnaKar nighirbaøvtßú}. enaéf TI01 ExsIha qñam2002 RksYgesdækic nighirbaøvtßú )ankan;kab;pakh uncmnyn80 rbs;fnakarbanic kmμerkarbets énkm<úca ehiyenasl;cmnyn20 etot RtUv)ankan;kab;eday FnaKarCati énkm<úca. enaéf TI28 Extula qñam2005 FnaKar)anbþÚrBIrUbPaBKtiyutþ CaFnaKarrdæmkCaFnaKarrdæcMruHÉkCn. m as;kmμsiti fμi KWFnaKar kanadiya:pigilsui man46 Rkumh ungaygincihuldigxugilfidi 44 nigrksygesdækic nighirbaøvtßú 10 énedimtunsrub. CalT plénkarpøas;bþúrenh bc úb,nñrkumrbwksapi)alfnakar man smaspab6rub. RbFanRkumRbwkSaPi)almkBIFnaKarkaNaDIya: PIGilsIu niggnurbfanmkbirkumh ungaygincihuldig xugilfidi. edim,ierbkøaycafnakard¾l myyenakm<úca nigttylsáal;bigtificneday ³ pþl;cunpaktunik nuvplcmenjelikarvinieyak ya:gsmrmü nigyurgegvg CanieyaCkd¾l bmput edayqrelimuldæan R)ak;ebovtS lkçxnðkargar nig»kas énkargpivdæn_kargar pþl;nuvtmélkargarl plitpld¾l bmput suvtßipab nigkmritesvakmμx<s; smrab;gtificnrbs;eyig culrymcmenkgpivdæesdækic km<úcatamry³kargnuvtþn_yut sarsþ vis½yhirbaøvtßúrbs;racrdæapi)al. Gg:karelxrbs FnaKar naykdæan esvagtificn svnkmµépþkñúg KN kmµkar }NTan GK:naykrg naykdæan GnþrCati naykdæan FnFan mnusß nigrdæál snþisux RkumRbwkßaPiál GK:nayk naykdæan B&t manvitüa GK:naykrg naykdæan KNenyü KN kmµkar ALCO elxafikar nig CMnYykar GK:naykrg naykdæan }NTan

5 lt plgnuvtþgacivkmµkñ úgqñam cmnulánbikarrák (duløargaemrik) $10,000,000 $8,000,000 $6,000,000 $4,000,000 $2,000,000 sbaøab½nñ nigb½nñrtnakar R)ak;beBaØIFnaKarCatiénkm<úCa R)ak;beBaØIFnaKareRkARbeTs \NTan nigbuerrbtan ráykarn_hirbaøvtsúsegçbry ebl4qñam $250,000,000 4 RTBüskmμsrub $200,000,000 5 taragtulükarsegçb duløargaemrik $150,000,000 $100,000, RTBüskmμsrub 218/848/ /504/ /847/ /141/959 karpþl;\ntan sut 42/411/102 30/849/945 32/647/783 31/283/789 RTBüskmμepSg² 176/437/ /654/ /199/ /858/170 RTBüGkmμsrub 197/867/ /736/ /380/ /313/156 R)ak;beBaØIGtifiCn 196/158/ /628/ /204/ /862/754 RTBüGkmμepSg² 1/709/101 1/108/439 1/176/061 1/450/402 edimtuncuhbba I 12/159/533 12/159/533 12/416/191 12/575/453 TunbMrug nigr)ak;cmenjrksatuk 8/821/314 6/608/467 6/050/800 5/253/350 lt plgacivkmμkñúgqñam duløargaemrik cmnulbikarr)ak; sut 6/162/053 3/881/730 3/061/ /733 cmenjrbtibtþikarmunefvismvifanfn 6/546/492 3/717/986 3/675/430 2/000/346 cmenjmunbg;bn R)ak;cMeNjeRkayBIbg;Bn 2/787/840 2/256/ / /372 1/568/939 1/255/ / /672 segçbráykarn_taragtulükarfnakar (duløargaemrik) $50,000,000 $10,000,000 $9,000,000 $8,000,000 $7,000,000 $6,000,000 $5,000,000 $4,000,000 $3,000,000 $2,000,000 $1,000, segçbráykarn_cmenjxat (duløargaemrik) RTBüGkmμsrub RTBüsm,tþiPaKTunik R)ak;beBaØIGtifiCn \NTan nigbuerrbtan cmnulbikarr)ak; cmnayelikarr)ak; cmenjsut BIkarR)ak; R)ak;cMeNjkñúgqñaM

6 sarrbs elakrbfanrkumrbwkßapiál sarrbs GK:nayk 6 semþc RTg; Ék]tþm elak]kj:a elakcmtav elak elakrsi GñknagkBaØa CaTIrab;Gan tagnamegayrkumrbwksapi)alrbs;fnakarbanic kmμerkarbets énkm<úca xmjúmankitiþysbgðajcungtificn nuvr)aykarn_rbcamqñam smrab;qñamsarebibn Edl)anbBa b;eta enaéf TI 31 Ex FñÚ qñam 2006 knøgetaenh. bnþab;bikarefivékcnpavubniykmμenacugqñam 2005mk FnaKar BaNiC kmμerkarbets énkm<úca )annigkmbugefivrbtibtþikarkñúgnamca FnaKarrdæcMruHÉkCn. karpøas;bþúrrubpabktiyutþ nigkarcab;epþimefiv RbtibtþikarCaFnaKarBaNiC kmμmyy )anpþl;karrbqmmuxcaercin dl;fnakareyig Etk¾)anpþl;pgEdrnUvkalanuvtþd¾eRcInKYrCaTIrIkray nigfm²cagmunedr erbahfaeyigsßitenakñúgbrisßanmyy Edlkan;Et mankarrbqm nigkarrbkytrbecgxøamgcagmun. RkumRbwkSaPi)al )anerbkøaykarpøas;bþúrrubpabktiyutþenhegay køayetaca»kassmrab;bnþúhpñt;kmnitfiμ vb,fm fiμ edayrksamrtk rbs;eyigenadedlrbmtamgbba ÚlnUvlkçN³TMenIbtamsm½ykal pgedr kñúgzan³cafnakarmancmnas;cagekenakm<úca EdlmanbT BiesaFn_Cag 26qñaMknøgehIyenH. karpøas;bþúrenh manrymbba Úl karrcnanimitþsbaøafiμmyy. eyig)anykcitþtukdak;ya:gbiesseta kñúgkarrksartg;rtayr)asat)ay½nedaypþitecjbinimitþsbaøacas; k¾b:uenþrubpabfiμenhrtuv)anrcnaedayc,as; RbkbedaysmamaRt RtwmRtUv nigmanlkçn³tmenibcagmun. nimitþsbaøa KWCacMENk d¾tulayénbanic sbaøa EdlbgðajBIkarbBa ÚlKñanUvbT BiesaFn_ nigkmnittmenib EdltMNageGayfamBlFnaKareyIg nigbrgwg ematnpabenakñúgrbvtþifnakarbanic kmμerkarbets énkm<úca kñúg namcafnakartimyy dmbugekbg s; énrbetskm<úca. nimitþsbaøafiμ enh )andak;bgðajcunsafarncn enaéf TI 14 Ex FñÚ qñam 2006 enakñúgbifid¾mehat,arwkmyy nigdak;egayerbir)as;ebjelj cab;bi éf TI 01 Ex mkra qñam 2007 teta. qñam 2006 CaqñaMGnþrkalmYysRmab;FnaKar. eyig)anttyl ecakc½yenakñúgkardak;cuhedaytn;pøn;nuvvb,fm fμi EdlRkumRbwkSa Pi)al nigpaktunik)angnumtiyk. CacMENkmYyénGnþrkalenH FnaKarBaNiC kmμerkarbets énkm<úca )anerobcmbaküesøak }vinieyakedim,ignakt} edim,ibibn nagmbikarerbrbylcavic man enakñúgvb,fm EdlBak;B½n dl;rkb;kñatamggs;kw³ bukálik PaKTunik niggtificn. ektnpnðsmxan;²énvb,fm fiμrbs;eyigrymman ³ qnþ³nwgsrmbxøün kargnumtiykkarerbrbyl nigkargpivdæn_ RBmTaMgEfrkSaGakb,kiriyaviC manmyy karebþcjacitþbmebjparkic rbs;eyigenafnakar nigkarmanematn PaBenAkñúgkarbMeBjParkic TaMgenHeGay)anl bmput karefvikargarkñúgnamcacmenkmyyén{rkum{rbs;fnakar edim,i GPivDÆsμartIsmaCikPaB enakñúgcmenambukáliktamggs; karepþatgarmμn_etaelikarpþl;esvacungtificnrbs;eyignuv plitpl nigesval bmputenarkb;eblevlatamggs; kardnþwgsyrxøüneyigfa etieyiggacefivgivxøhedim,iculrymcmenk egay)ankan;etxøamgkøacagenhetot enakñúgkargarfnakar nig kargpivdæn_rbs;eyigpþal; cmebahral;tegviedleyigefiv cab;biesckþisermcfmbmput dl; kic kartuctacbmputeyigrtuvecatsyrxøüneyigfa :etienhcapøúvl bmputsrmab;efivkic karenhb?} kmμvifi }vinieyakedim,ignakt} KWCakarBRgwgehIyBRgwgeTotnUv KuNsm,tiþfIμ² EdlFnaKar)anGnumtiyk nigcasarnsbaøarmlwk eyigbiekalbmngnigekaleda Edl)anKUsbBa ak;enakñúgebskkmμ nigckçúvis½yrbs;fnakar. GMT,úgeBlGnþrkalenH)anTTYleCaKC½yeBjeljnignaMeTAdl;l T plkyregaykt;smkal;. R)ak;cMeNjbnÞab;BI)anbg;Bn rycman cmnynbidgénqñam lt plhysbikarrmbwgtukenh CaskçIkmμ bba ak;fa yut sarsþrbs;rkumrbwksapi)al nigpaktunikmanpab RtwmRtUvTaMgRsug ehiynigbba ak;fagmt,úgeblgnþrkalenh KWCakar RbfuymYyEdlmantMélsmlμmnwgRbQm. eyigsmøwgemileta qñamxagmuxedaysutidæniym. edim,ibba b; xmjúsumeqøót»kasenh sumsmedgktbaøútafm d¾kk;ekþa bmput cmebahkarkamrtcabnþbnþab; nigcmebahtmnukcitþrbs;gtificn d¾éføføamkelifnakareyigxmjú nigsumrbsit ibrfvay CUn semþc RTg; Ék]tþm elak]kbaj:a elakcmtav elak elakrsi GñknagkBaØa nuvecakc½yrkb;rbkarsrmab;gnakt. elak Bug XavEs RbFanRkumRbWkSaPi)al ekarbcun semþc RTg; Ék]tþm elak]kj:a elakcmtav elak elakrsi GñknagkBaØa enaqñam 2006 enh FnaKarBaNiC kmμerkarbets énkm<úca )an R)arB xybti 27 rbs;xøüneday )anqøgkat;karpøas;bþúrrubpabktiyutþi CaeRcIn. kalbiedimdmbug FnaKarenH CaFnaKarrdæpþac;muxenA km<úca bnþab;mk)anvivtþqøgkat;ry³eblénkarektrmg;esdækic CaeRcIn rhut)ankøayxøüncafnakarrdæcmruhékcn ehiy)annigkmbugefiv RbtibtþikarenAkñúgbribTTIpSaresrIenAkm<úCa elivis½yfnakar hirbaøvtßú. Gs;ry³eBlCag 26 qñamenh FnaKar)aneFIVkarEkTRmg;CaeRcIn edim,i srmbxøünetanwgbridæanerbrbylénesdækic nigfurkic kmbuggpivdæ énrbetseyig. dmnak;kalénkargpivdæn_rbs;eyignimyy²)an nameyigetakan;ecakc½yfiμ² CaeRcIn EdlbBa ak;bipabrtwmrtuvén ekalneya)ay nigesckiþsermccitþ EdlPaKTunikrbs;eyIg )angnum½t. ecakc&ykñúgqñamkyregaykt smkal kalanuvtþnigkarrbqmfiμ²enaqñam2006 CaRBwtþikarN_)ancarTukenA kñúgrbvtþifnakarrymmansñaédmyykñúgcmenamsñaédtamggs; KWkar rcnanimitþsbaøa niggtþsbaøanfiμmyy EdlrMelcvb,Fm fiμrbs; FnaKareyIg. nimitþsbaøabgðajbiematnpabenakñúgmrtkrbs;eyig kñúgzan³cafnakartimyyydmbugekbg s;enakm<úca. nimitþsbaøaenhman erobcmpsmkñanuvpabtmenib lkçn³ebikcmheq<ahetarksklpavubniykmμ nigkarertomxøüncab;ykkarerbrbylcam)ac;srmab;eq<ahetakan;vibul PaBenAkñúgsklelakmYy Edlmankarpøas;bþÚrya:gelOnenH. karefivegaysermc)annuvekaledadak;cuhedaypaktunikfnakarenh GacekIteT,Ig)anedaysarkarxwtxMRbwgERbg nigkarculrymya:g skmμedayminkitbikarenoyht;bismnak;rkumkargartamgmulrbs; FnaKarBaNiC kmμerkarbets énkm<úca BIsMNak;RkumRbwkSaPi)al KN³RKb;RKg nigbukálik. enaqñam 2006 enh PaBeCaKC½yEpñkhirBaØvtßúsMxan;mancMnYn4Edl KYrykmkeRbobeFobeTAnwgqñaM 2005³ R)ak;cMeNjeRkaybg;Bn man cmnyn 2>256>909 duløargaemrik KWwesμI nwg bidg énqñam 2005 R)ak;beBaØI)anekIneT,Ig 37 KW esiμ nwg 196>158>405 duløargaemrik \NTan nigbuerrbtanetagtificn)anekinet,ig 47 KW esμi nwg 49>656>717 duløargaemrik RTBüskmμsrub)anekIneT,Ig 34 KWesIμ nwg 218>848>353 duløargaemrik. CMhannaeBlGnaKt edim,ibnþeqøiytbetanwg ecakc½yd¾biesselisbikarrmbwgtukenh eyignwg³ erobcmrkumkargaryut sarsþtipsarmyysmrab;gpivdæskmμpab eliktwkcitþnigrbb½n Eckcay efivkarrtytbinitüet,igvijnuvekalneya)aykmnt;éfø edim,ifana egaysmrsbetanwgninñakartipsarbc úb,nñ BRgIkbEnßmesvakmμfIμ RbB½n TUeTA EdlCaCMerIsl bmputcun GtifiCn BRgIkkareRbIR)as;mUlFn edim,ibegáincagtibrmalt PaBrk R)ak;cMeNj GPivDÆbuKÁlikeGaymaneTBekaslü edaysgát;eligacibepñk FnaKaryUrGEgVg rksapabrwgmamrbs;fnakarkñúgrbtibtiþkar nigkarrbkytrbecg enakñúgtipsarfnakarenakm<úca. munnwgbba b; eyigxmjúsumsmedgktbaøútafm d¾esμahsμr½k CUncMeBaH elakrbfan GnuRbFan nigsmacikrbs;rkumrbwksapi)al Edl)an xwtxmrbwgerbgya:gxaømgkøakñúgkarefivegayqñam 2006 enh TTYl)an ecakc½yduc)anebalxagelienh. eyigxmjúsumrmlwkdl;karxwtxm dl;sñaéd nigdl;karculrymedlbukálik )anpþl;enakñúglt plkyregaykt;smkal;tamgenhedr. ebieyigmin manrkumkargarrbkbedaygacib nigesμahsμr½kducenhet FnaKar eyigk¾mingacttyl)anecakc½y ducbc úb,nñenhedr. eyigxmjúsumvaytémøya:gx<g;x<s;bmputsrmab;gtificnd¾éføføarbs; eyig EdlbnþkarKaMRT nigtmnukcitþcmebahfnakareyigxmjú. eyigxmjú sgçwmfa nigmankitþiys nigesckþirikrayfa nwg)anbmeri semþc RTg; Ék]tþm elak]kbaj:a elakcmtav elak elakrsi GñknagkBaØa CaerogrhUtteTA. elakcmtav G uk ma:li GKÁnayk 7

7 RkumRbwkßaPiál FnaKarBaNiC kmμerkarbets énkm<úca dwknamedayrkumrbwksapi)aledlcaggákarcat;tamgkmbul tmnagmhasnñi)at PaKTunikbegáItCa mhasnñi)atsambaø nigvisambaø. RkumRbwkßaPiálFnaKarmansmaCikcMnYn 6rUb ducmanraynamxagerkam elak Bug XavEs RbFanRkumRbwkSaPi)al culcasmacikrkumrbwksapi)alqñam2005 ]kbaj:a lwm b unsyr GnuRbFanRkumRbwkSaPi)al culcasmacikrkumrbwksapi)alqñam2005 elak mui va:n; smacikrkumrbwksapi)al culcasmacikrkumrbwksapi)alqñam2002 elakcmtav G uk ma:li smacikrkumrbwksapi)al culcasmacikrkumrbwksapi)alqñam2000 Ék]tþm hái Ganva:nif smacikrkumrbwksapi)al culcasmacikrkumrbwksapi)alqñam2005 elakcmtav Guwg b:ulina smacikrkumrbwksapi)al culcasmacikrkumrbwksapi)alqñam KN RKb RKg KN³RKb;RKgFnaKarmantYnaTI-TTYlxusRtUvRKb;RKg RbtibtþikarGaCIvkmμFnaKar TaMgmUl. KN RKb RKgFnaKarmancMnYn05rUb elakcmtav G uk ma:li Ék]tþm hái Ganva:nif elak Twm bupl elak pg; smerc elakcmtav Guwg b:ulina GKÁnayk GKÁnaykrg GKÁnaykrg GKÁnaykrg RbFansvnkmμépÞkñúg KN kmµkarrkb RKgRTBüskmµ nigrtbügkmµ (ALCO) KN kmµkarrkb RKgRTBüskmµ nigrtbügkmµ mansmacikcmnyn09rub elakcmtav G uk ma:li GKÁnayk RbFan Ék]tþm hái Ganva:nif smacikrkumrbwksapi)al GnuRbFan elak Twm bupl GKÁnaykrg smacik elak pg; smerc GKÁnaykrg smacik elakcmtav Guwg b:ulina smacikrkumrbwksapi)al smacik RbFannaykdæanGnþrCati smacik RbFannaykdæanesvaGtifiCn smacik RbFannaykdæanKNenyü smacik RbFannaykdæan\NTan smacik KN kmµkar}ntanfnakar edaymankarektrmg FM@enAFnaKarkñúgqñaM 2005 smaspabkn kmµkarfµi Epñk}NTanmandUcteTA ]kj:a lwm b unsyr GnuRbFanRkumRbwkSaPi)al RbFan elakcmtav G uk ma:li GKÁnayk smacik Ék]tþm hái Ganva:nif GKÁnaykrg smacik elak Twm bupl GKÁnaykrg smacik elak CMTav Guwg b:ulina smacikrkumrbwksapi)al smacik

8 RbvtþirUbrbs KN RKb RKg 1 elak Bug XavEs RbFanRkumRbwkßaPiál elakekitenaqñam1946 enapñmebj RbeTskm<úCa. edaysar etbekaslü nigmanbtbiesafn_d¾ercin elak)anttylkitþiys nig karekarbcaercin. elak)anculrymya:gskmμ kñúgskmμpabesdækic TUlMTUlayTaMgxageRkA nigkñúgrbets. elakmansñaédcaercin kñúgenahmankarculrymgpivdærbetskm<úcay:agsmxan;² eday)an RBHmhakSRtkm<úCa neratþmsihnu TTYlsÁal;edayRbTanemday mhasirivdæn³ enaqñam «kj a lwm b unsyr GnuRbFanRkumRbwkßaPiál elak]kj:aekitenaqñam 1965 enaextþkmbg;qñamg RbeTskm<úCa. elak]kj:acafurcnl,il,aj nigttylkarekarbercin manbt BiesaFn_x<s;enAkñúgGaCIBrbs;elak. bc úb,nñ elak]kj:aca GnuRbFanRkumRbwkSaPi)alRkumh un AZ Group smacik spabanic kmμ énkm<úca smacikrkumrbwksapi)alshrkas safarn³turkmnakmn_km<úca TC nigrbfanrkumrbwksapi)al kammigetl. BIeqVgeTAsþaM ³ elak Bug XavEs ]kbaj:a lwm b unsyr elak mui v an smacikrkumrbwkßapiál elakekitenaqñam 1969 enaextþkmbg;fm RbeTskm<úCa. elak)an bba b;karsiksafñak;gnubnðit EpñkGPivDÆn_esdækic nig)anbba b; edayecakc½ynuvkarsiksacaercinvkátamgkñúg nigerkarbets erkam RbFanbTTak;TgeTAnwgTIpSarhirBaØvtßú nigepñkgpivdæn_vis½y hirbaøvtßúenakm<úca. bc úb,nñcarbfannaykdæan]ssahkmμhirbaøvtßú énrksygesdækic nig hirbaøvtßú. 4 elakcmtav G uk m ali smacikrkumrbwkßapiál elakcmtavekitenaqñam 1951 enaextþtaekv RbeTskm<úCa. elak CMTav)anbBa b;karsiksaedayecakc½y fñak;mfümbec ketsfnakar enaqñam 1984 nig)anbba b;karsiksafñak;gnubnðiitepñkrkb;rkg GaCIvkmμenAqñaM elakcmtav )anqøgkat;kareronsurtdk BiesaFn_vis½yFnaKar vkáevg-xiøenaerkarbetscaercin. elakcmtav mancmenhdwgcmnajepñkfnakar ehiyenakñúggacibyurlg;rbs; elakcmtav )anbergon nigeckrmelkbtbiesafn_ CamYyFnaKar brets. elakcmtavcatirbwksasemþcnaykrdæmrnþi h un Esn énrbetskm<úca manzan³esiμnwggnurdæelxafikar nigcagkáhirbaøik kak)atrkhmkm<úca. elakcmtav)anbmerikarenafnakarbanic kmμ erkarbets énkm<úcacab;tamgbiqñam 1979 ehiybiqñam 2000 dl; bc úb,nñ elakcmtavcagkánaykfnakar BaNiC kmμerkarbets énkm<úca. 5 Ék«tþm h:i Ganv anif smacikrkumrbwkßapiál Ék]tþmekItenAqñaM 1953 enarbetskm<úca. Ék]tþmman bribaøab½rtvisvkmμ nigvitüasarsþgnuvtþ visvkmμ]ssahkmμ qñam1976 BI Ecole Polytechnique, University of Montreal RbkbedaynieTÞskitþiys. enaqñam 1980 Ék]tþm )anbba b; karsiksafñak;gnubnðitepñkrkb;rkggacivkmμ enasklvitüal½y University of Western Ontario in Canada. Ék]tþmman btbiesafn_caercinqñam enakñúgepñkercin³ EpñkFnaKar FnaKartUr:ugtU Dominion, FnaKarm:uger:Gal, Credit Agricole Indosuez, ANZ Royal, MPDF EpñkhirBaØvtßú Laurentian Group-Banking and Insurance-Canada EpñkvisVkmμ Bechtel Corporation, USA EpñkRkumh un Rkumh unsm,tanik Gakasyandæan¼Vinci nigepñk rdæapi)al RksYgsaFarN³kar nigdwkcba Ún kmbg;epsvy½t RkugRBHsIhnu. 6 elakcmtav Guwg b UlINa smacikrkumrbwkßapiál elakcmtavekitqñam 1960 enatirkugpñmebj RbeTskm<úCa. elak CMTav)anbBa b;karsiksabi Normandy Business School (ESCAE- Le Havre-Caen)-France nigbimcämnðl Normandy smrab; karrsavrcavsþibivitüasarsþkmubüút½r (CENORI). elakcmtavman btbiesafn_cabiess enakñúgkarrkb;rkgfnfanmnuss B½t manvitüa KNenyü c,ab; nigfnakar. 7 elak Twm bupl GK:naykrg elakekitenaqñam1950enatirkugpñmebj RbeTskm<úCa. elak)an bba b;karsiksabribaøabr½t Epñkesdækic kñúgrbetskm<úca nig)an qøgkat;edayecakc½ynuvvkásiksacaercinsþibihirbaøvtßú nigfnakar enakñúg nig erkarbets. 8 elak pg smerc GK:naykrg elakekitenaqñam1948 enatirkugpñmebjrbetskm<úca. elak)an bba b;karsiksabribaøab½rtepñkhirbaøvtß ú nigfnakarbirbetsevotnam nig)anqøgkat;edayecakc½ynuvvkásiksacaercin erkamrbfanbt EdlTak;TgnwghirBaØvtßú nigfnakarenakñúgnigerkarbets. BIeqVgeTAsþaM ³ elak mui va:n; Ék]tþm hái Ganva:nif BIeqVgeTAsþaM ³ elakcmtav G uk m:ali elakcmtav Guwg b:ulina

9 ráykarn_rkumrbwkßapiál svnkmµépþkñúg FnaKarBaNikmμeRkARbeTs énkm<úca )anerobcmnaykdæansvnkmμ épþkñúgedlmanebskkmμcmbgefvicacmnyykarrbs;rkumrbwksapi)al kñúgkarrtytbinitübnþanaykdæannanarbs;fnakar tamry³kar vaytémø nigkarrtytbinitücaetogtat;etatamkmμvifisvnkmμ edim,i FanafaRtwmRtUveTAtameKalkarN_tmøaPaB GPi)alkic l nigpabca GaCIB RBmTaMgpþl;Gnusasn_EklMGpg. karrkb RKghaniP&y KN³kmμkarRKb;RKgRTBüskmμ niggkmμ Gal;kU rbs;fnakar TTYlxusRtUvRKb;RKghaniP½yFnaKar raykarn_gmbihanip½yfm² nigfanafa FnaKareKarBtambTbBaØtþiépÞkñúgFnaKar RBmTaMgesckþI trmuvrbs;fnakarcati énkm<úca CaBiessGVIEdlTak;TgeTAnwg safnpab nigsac;r)ak;gayrsyl. KN³kmμkarenHTTYlxusRtUv Fanafa RtYtBinitü nigvipakcarbcamelibrisßanfurkic edim,iefivkar EkERbcaM)ac; Tan;eBlnUveKalneya)ay b nitivifirkb;rkghanip½y rbs;fnakar RbkbedaysuRkitPaB. bnþab;bi)ankmnt;trmuvkareklmgenakñúgvis½yrkb;rkghanip½yena qñam 2005 mk m nþismxan;²énfnakar )anbba b;karbinitüeligvijnuv ekalneya)ay nignitivifirkb;rkghanip½y enaqñam 2006 eday epþatetaeli³ karbinitüet,igvijr)aykarn_sac;r)ak;gayrsylcarbcaméf edim,ifanakarrtytbinitü[)anrwgritetmuwgma:t;elig. karerobcmepnkarrwgmamsmrab;tb;tl;rbwtþikarn_cayfaehtuénkar xvhsac;r)ak;gayrsyl. karrksatukcarbcamnuvlmhursac;r)ak;gayrsyl[)anercin nigkargnuvtþn_tamrbkaselx F>07>00>38 rbs;fnakarcati énkm<úca. kareklmgcarbcamnuvekalneya)ay nignitivifirkb;rkghanip½y GRtakarR)ak;tamry³ karvipak Gap Analysis. karkmnt;rbmednskmμpabbþúrr)ak; nigkardak;gnuvtþnuvnitivifi bgáarpabminsiukñarvagrubiyb½nñnimyy² EdlRTBüskmμ niggkmμ RtUv)ancuHbBa I. karerobcmrebobraykarn_rbkbedaytmøapabetakan; nigecj BInaykdæannImYy²rYmmanecjBIEpñksvnkmμépÞkñúgCUneTARkum RbwkSaPi)al. karerobcmekalneya)ay nignitivifisvnkmμépþkñúg egayrsb etanwgrbb½n RtYtBinitüépÞkñúg rbs;fnakar. karerobcm nigeckcayesovepaennamépþkñúgmyy smrab;bukálik FnaKareRbIR)as;CamKÁúeTsn_enAkñúgkarGnuvtþn_kic karrbcaméf. karrcna nigkardak;gnuvtþnuvkmμvifibnþúhbnþaltulmtulayedim,i bukálikgpivdæsmtßpabrkb;rkghanip½yrbs;xøún. karpøas;bþúrrubpabktiyutþ nigkarrbqmrbmtamgkalanuvtþ)an efivegayqñam 2006 køaycaqñamkyregaycab; GarmμN_Rbkbedaykar rmepibrikraycagekenakñúgrbvtiþfnakar. eyig)ansermcecakc½y smxan;²caercinenakñúgry³eblenh ducca³ karefivekrþ eqμahfnakaregaykan;etpøwføaet,ig edaysarkarrcna nimitþsbaøafiμedl)andak;bgðajcun safarncnnaexfñúqñam 2006 nig dak;erbir)as;casafarncab;biéf TI1 Exmkra qñam 2007 teta. TnÞwmnwgenH edim,ipþl;egayfnakarnuvmuxmat;tmenibcag mun nimitþsbaøanwgefivegayeyigepþatetaeliekalbmng nig ekaledarbs;eyig nigbrgwgtssn³fa GI VeTACaFnaKarBaNiC kmμ erkarbets }fiμ nigeklmg} rycsrmab;gtificnrbs;eyig. karbenßmkarepþatkarykcitþtukdak;cafi μetotetaeliesvagtificn Edl)annaMeyIgeTAdl;kMMritsþg;darkñúgvis½yenH efivegayeyig TTYl)ankarcab;GarmμN_viC mangmbigtificnrbs;eyig. karekerbkérmesvafnakareyigedim,isrmbetanwgninñakar TIpSar. kardak;egayerbir)as;nuvrbb½n B½timanusaRsþ nig Software fiμ EdlminRtwmEtpþl;eGayeyIgeFIVesvakmμ )anrh½scagmunet Etk¾)ansRmYldMeNIrkarraykarN_Tan;eBlnigKYreGayTukcitþ CagmunsRmab;fñak; dwknampgedr. karbba b;esovepaennamrbtibtþikarsrmab;naykdæantamggs;. karebþcjacitþrbs RkumRbwkßaPiál RkumRbwkSaPi)alrbs;FnaKar)anebþCJaEklMG niggpivdæplitpl esva nigbukálikrbs;fnakar RBmTaMgbnþkarEklMGeTAeTotedIm,I rksasmit ipl nigtitamgd¾smxan;rbs;xøünenakñúgvis½yhirbaøvtßú nig FnaKarenAkm<úCa. edim,isermcekaledatamgenh RkumRbwkSaPi)al KN³RKb;RKg nigbukálikfnakar)an nigkmbuggnuvtþducxagerkam³ dak;cuhegaygnuvtþnuvrbb½n fμién Core Banking System rymman kardak;egayerbi nuvma:siunsv½yrbvtþidkr)ak; ATMs karerbi Software fμi nigkardak;egayerbiesvafnakartamrbb½n GaMgEFrENt. kartubetgcafiμnigkarefivegaykan;ettmenibnuvgakarsñak;karfm FnaKaredIm,IeFIVeGaykan;EtTak;TajxøaMgEfmeTot srmab;bermi GtifiCnd¾éføføarbs;eyIg. karbegáitsaxafμi edim,isrmylesvafnakar efivegaykan;etcit niggayrsylsrmab;gtificnedlrs;enaeb:kxagt,úgracfani. RkmsIlFm FnaKarBaNiC kmμerkarbets énkm<úca Casßab½nmYyEdlmankar TTYlsÁal;eRcInenAkñúgshKmn_. edim,ifanafa eyigrksaekrþ eqμahd¾l enh)an FnaKarnwgbgðajnUvkMritx<s;bMputénsIlFm sgámfm criyafm enarkb;ebltamggs;. edim,icyyegaybukálik psarpa b;etanwgekalkarn_tamgenhenakñúgkargarrbcaméf rbs;xøün FnaKar)anerobcMeKalneya)ay nignitivifi Gnuvtþkargard¾l bmput CalaylkçGkSr smrab;egaybukálikgnuvtþtam. nitivifitamgenhkus bba ak;bikargnuvtþn_kargarrtwmrtuv btbba arbs;fnakar nigrkm silfm. esovepatamgenh CaÉksarbEnßmsMrab;bNþúHbNþal rbs;bukálik.

10 r)aykarn_rkumrbwksapi)al t ráykarn_hirbaøvtsú rbs svnkrékracüqñam 2006 ÉkraCüPaB nigtmøapab FnaKarBaNiC kmμerkarbets énkm<úca Casßab½nmanÉkraCüPaB ebjelj. FnaKarbMeBjkargar CaFnaKarBaNiC myyehiykñúg namcafnakarbanic skmμpabgacivkmμrbs;xøünrtuvsßitenaerkam karrtytbinitürbcamrkadl;tikenøg nigeliéksarbifnakarcati énkm<úca. edim,ifanatmøapabrbtibtþikar FnaKarRtUv)anRtYtBinitüBIsMNak; svnkmμépþkñúgrbs;xøünpþal;. CabEnßmeTot FnaKarTTYlkarRtYt BinitüBIFnaKarCatiénkm<úCa EdlCaGaCJaFrrUbiyvtßúCatisMrab; FnaKarBaNiC TaMgGs;. etahbimankarrtytbinitücarbcamya:genh etaehiykþi k¾fnakarcakmμvtßúénkarrsavrcavbinitürbcamqñam BIsMNak; svnkrékracü. svnkrékracüenh RtYtBinitüral;TidæPaB hirbaøvtßúénrbtibtiþkartamggs; pþl;r)aykarn_bba ak;gmbikarrk exijrbs;bykek nigefivkarbba ak;eliknnirbs;eyigfa )anekarb etatamtrmuvkarénc,ab;tamggs;. GtifiCn FnaKarBaNiC kmμerkarbets énkm<úca xwtxmpþl;karrbwgerbg RKb;Ebbya:gedIm,Ipþl;esvaCaTITukcitþ nigrbkbedayrbsit ipab CUneTAGtifiCnrbs;eyIgenARKb;eBlevla. etahbicaya:genhkþi k¾eyigetgetttylsáal;fa enamankarxvhcenøah duecñhehiyetibeyig xmjúetgetsvakmn_cmebahkarvaytmél nigmtieyabl;eklmgbismnak; GtifiCnrbs;eyIgCanic. eyigebþcjaefivkarvaytémø nigefivkareli mtieyabl;tamgenhegaygs;bilt PaB buk:lik edim,ikøaycafnakarcyrmuxekenakm<úca RkumRbwkSaPi)al nigpaktunik yl;fa karerciseriis nigkarrksatukbukálikedlmankunpab fñak;kmbul eyaletaelicmenhdwg CMnaj ÉkeTs nigkareliktwkcitþ CaGaTiPaBcMbg. ebovts rgvan; nigkargpivdæn_bukálikedirtynati ya:gsmxan;enakñúgsmtßpabrbs;eyig edim,isermcekaledaenh. bukáliktamggs;etget)anttylkarbnþúhbnþalenakñúgfnakar b enaerkarbets enagmt,úgeblektmrg; niggmlúgénkardak;egay GnuvtþkmμviFIGPivDÆFnFanmnusSEdl)anerobcMenAqñaM 2004 ehiy eyigsgäwmfanwg)anfnfanmnussmancmnajcmruh mansmtßpab eqøiytbedayrbsit ipabetanigkarpøas;bþúr. karculrymvipaktandl sg:m nigshkmn_ ducbimunmkedr FnaKarbnþkarcUlrYmcMENkCYyshKmn_ nig bubvehtusgámenakñúgqñam2005. eyigykcitþtukdak;casmxan; etaelikak)atrkhmkm<úca EteyIgk¾)ancUlrYmskmμPaBGgÁkar sb,úrsfm epsg² tuccagenhedr RBmTaMg)anpþl;mUlniFidl; BiFIbuNüRbéBNICatieTotpg. kargnuvtþn_rsbetanwgbtbbaøtþi nigc,ab nanarbs FnaKarCati énkm<úca FnaKarBaNiC kmμerkarbets énkm<úca EtgEtykcitþTukdak; nig Gnuvtþtamc,ab; nigbtbbaøtiþnanarbs;fnakarcati énkm<úca ducca ³ kargnuvtþn_bøg;knenyüfμi rbs;fnakarcati énkm<úca Gnu)atsac;R)ak;gayRsYl Rbkaselx F katbvkic edimtungb,brma Rbkaselx F mulnifipþal;sut Rbkaselx F Gnu)atsaFnPaB Rbkaselx F cmnat;fñak; nigsmvifanfnelikarxatbg;\ntan nigbuerrbtan Rbkaselx F nigkarektmruvtam Rbkaselx F nig saracr elx F GclnRTBü Rbkaselx F r)aykarn_rbs;kn³rkb;rkgrbtibti þ KN³RKb;RKgRbtibtiþ]eTÞsnamr)aykarN_rbs;xøÜn nigr)aykarn_ hribaøvtßúedl)anrtytbinitürycrbs;fnakarbanic kmμerkarbets énkm<úca ehakat;fa FnaKar smrab;qñamedl)anbba b;enaéf TI 31 Ex FñÚ qñam FnaKarBaNiC kmµerkarbets énkm<úca FnaKarBaNiC kmμerkarbets énkm<úca RtUv)anbegáIteLIgtam GnuRkitüelx 1213 cuhéf TI 10 Ex tula qñam 1979 kñúg GtItrbbrdækm<úCa. kñúgqñam 2000 FnaKar)anpþac;ecjBIkar RKb;RKgedaypÞal;BIFnaKarCatiénkm<úCa {FnaKar knþal} edim,i ERbkøayxøÜneTACaFnaKarBaNiC rbs;rdæmanlkçn³cashrkas esdækic safarn³ ehiymanekaledaefvirbtibtþikar GaCIvkmμsVy½t. enaebledlkarrkb;rkg nigrbtibtþikar bec ketsrtuv)anbrgwg nigeklmgedaykn³kmμkarektmrg;fnakar nigmanlkçn³sm,tþi esμinwgfnakarbanic détetot. kñúgex mkra qñam 2001 FnaKar)anTTYlGaCJab½NÑRbkbGaCIvkmμ BIFnaKarCati edim,iefvirbtibtþikarcafnakarbanic kñúgrbhraca NacRkkm<úCaEdlmansuBlPaB 3 qñam manrbsit ipabcab;biéf TI 4 Ex mkra qñam enhkwcagacjab½nñ elikdmbugedlrtuv)an pþl;egay edim,icmrujegayfnakarefvirbtibtþikarcanitibukáledlman ÉkraCüPaBBIkarRKb;RKgedaypÞal;BIFnaKarkNþal. enaéf TI 8 mkra 2004 FnaKar)anTTYlykGaCJab½NÑelIkTI 2 rbs;xøün BIFnaKarCatiénkm<úCa smrab;ry³eblbiqñam cab;biéf enhteta. enaéf TI 31 Ex FñÚ qñam2002 RksYgesdækic nighirbaøvtßú {Rk>shv} )anrbkasnuvr)aykarn_ siþbiekalbmngefviékcn PavUbnIykmμrbs;FnaKar EdlCaEpñkmYyénkmμviFIkMENTMrg;vis½y hirbaøvtßú rbs;racrdæapi)alkm<úca. ena éf TI 28 Extula qñam 2005 PaKTunikrbs;FnaKar EdltMNagedayKN³kmμaFikar ÉkCn PavUbnIykmμ )ancuhkic RBmeRBoglk;FnaKar CamYynwgFnaKar kanadiy:a nigrkumh un GayGinCIhUlDIg. FnaKarkNþal)anlk; PaKh un 20 rbs;xøün nig Rk>shv )anbnßypakh unrbs; xøünbicmnyn 80 mk 10 vij. éf TI 23 Ex]sPa qñam 2006 lkçniþk³rbs;fnakarrtuv)anefviviesafnkmμ edim,iqøúhbgðajbikar ERbRbYlPaKTunik. skmμpabsmxan;²rbs;fnakarrymman karefvirbtibtþikarfnakarercin RbePT nigesvakmμhirbaøvtßúedlbak;b½n. lt plénrbtibtiþkar nigpaklap lt plénrbtibtþikarsmrab;qñam Edl)anbBa b;enaéfti 31 Ex FñÚ qñam 2006 RtUv)anerobcMkñúg r)aykarn_ lt plkñúgtmb½r 7. RkumRbwkßaPiálnigKN RKb RKgRbtibtiþ smacikrbs;rkumrbwksapi)al nigkn³rkb;rkgrbtibtiþenakñúggmlúg eblkalbriecätrbs;r)aykarn_enhrymman³ RkumRbwkßaPiál elak Bug XavEs elak]kj:a lwm b unsyr elak mui va:n; elakcmtav G uk m:ali Ék]tþm hái Ganva:nif elakcmtav Gwug b:ulina KN RKb RKgRbtibtiþ elakcmtav G uk m:ali Ék]tþm hái Ganva:nif elak Twm bupl elak pg; smerc RbFan GnuRbFan smacik smacik smacik smacik GKÁnayk GKÁnaykrg GKÁnaykrg GKÁnaykrg ráykarn_rbs KN RKb RKgRbtibtiþ KN³RKb;RKgRbtibtiþrbs;FnaKar TTYlxusRtUvkñúgkarbBa ak;fa r)aykarn_hirbaøvtßúrtuv)anerobcmeligya:grtwmrtuv edim,ipþl;cunnuv TsSn³BitR)akd nigrtwmrtuvrbs;sßanpabhirbaøvtßúenaéf TI 31 Ex FñÚ qñam 2006 lt plrbtibtiþkar niglmhursac;r)ak;smrab;cugkariy briecät. enakñúgkarerobcmr)aykarn_hirbaøvtßúenh KN³RKb;RKg RbtibtiþtMrUveGayman³ 1> erciserisekalneya)ayknenyüedlsmrsbmkerbieday Ep kelikarvinicä½y nigkar)a:n;sμany:agsmehtupl nigrbug Rby½tñ bnaþb;bienahgnuvtþegay)ancab;lab;. 2> Gnuelamtamsþg;darKNenyükm<úCa nigrbkasrbs;fnakar knþal b ebimankarpøas;bþúrbienh edim,ibgðajnuvpabbitr)akd nigsmrsb karpøas;bþúrtamgenhrtuvbgðajbnül; nigkmnt; brimanegay)anc,as;las; enakñúgr)aykarn_hirbaøvtßú. 3> EfrkSakMNt;RtaKNenyü ehiynigrbsit ipabrbb½n RtYtBinitü épþkñúg.

11 ráykarn_hirbaøvtsú rbs svnkrékracüqñam 2006 r)aykarn_rbs;kn³rkb;rkgrbtibtiþ t 4> erobcmr)aykarn_hirbaøvtßú edayep kelimuldæannirnþpabén dmenirkargacivkmμ luhrtaetmankrniminsmrmükñúgkarsnμtfa FnaKarnwgbnþkic Rbtibtiþkar GaCIvkmμenAeBlGnaKtd¾xIø. 5> RtYtBinitünigdwknaMFnaKard¾manRbsiT ipab nigculrymral;kar smerccitþsmxan;² TaMgGs; EdlCH\Ti Bldl;kareFVIGaCIvkmμ nigdmenirkar ehiyrtuvr)akdfakic karenhrtuv)anbgðajenakñúg r)aykarn_hirbaøvtßúya:grtwmrtuv. tameyabl;rbs;kn³rkb;rkgrbtibtiþ manehtuplmyycmnynedl ecofa FnaKarnwgGacbg;sgR)ak;bMNulrbs;xøÜn enaebledlbyk ekdl;kalkmnt;edlrtuvsg. kargnum&teliráykarn_hirbaøvtsú r)aykarn_hirbaøvtßúedlp ab;mkcamyy KW)anpþl;nUvTsSn³Bit R)akd nigrtwmrtuvénsßanpabhirbaøvtßú enaéf TI31 Ex FñÚ qñam 2006 ehiynigltæplrbtibtiþkarfnakar nigrbtibtiþkarlmhursac;r)ak; smrab;cugqñam Edl)anbBa b;edaygnuelametatamrbkasrbs; FnaKarCati énkm<úca nigsþg;daknenyükm<úca EdlRtUv)anGnum½t edayrkumrbwksapi)alfnakar C>KN³RKb;RKgRbtibtiþ elakcmtav G uk m:ali GKÁnayk r)aykarn_rbs;svnkrékracü CUncMeBaHPaKTunik rbs;fnakar BaNiC kmμ erkarbets énkm<úca eyig )anefvikarrtytbinitüetaelir)aykarn_hirbaøvtßúrbs;fnakarbanic kmμerkarbetsén km<úca ehakat;fa FnaKar rymmantarag tulükarnakariybriecät 31 Ex FñÚ qñam 2006 r)aykarn_lt plr)aykarn_sþibibmerbmrylmulnifipaktunik nigr)aykarn_lmhursac;r)ak; smrab;dmnac;kariybriecät nigesckþisegçbekalneya)ay KNenyüsMxan;² RBmCamYykMNt;sMKal;epSg² Edlmanbgaðj enakñúgtmb½r 7 dl;tmb½r 52. karttylxusrtuvrbs;kn³rkb;rkg cmebahr)aykarn_hirbaøvtßú KN³RKb;RKgrbs;FnaKarTTYlxuskñúgkarerobcM nigbgðajnuvr)aykarn_hirbaøvtßúegay)anrtwmrtuv edaygnuelametatamrbkasrbs; FnaKarCati énkm<úca nigsþg;daknenyükm<úca. karttylxusrtuvtamgenhrymmankarerobcmkargnuvtþn_ nigkarrkb;rkgépþkñúgedltak;tg etanwgkarerobcm nigkarbgðajr)aykarn_hirbaøvtßú egay)anrtwmrtuvedaybgðajfabummankmhusqágcasarv½nþ EdlbNþalmkBIkarEkøgbnøM b kmhusedayectnanamyyeliy kñúgkarerciseris niggnuvtþnuvekalneya)ayknenyüsmrsbmyy nigefvikar)a:n;sμanknenyüedl manlkçn³smehtusmplrkb;kal³ets³epsg². karttylxusrtuvrbs;savnkr karttylxusrtuvrbs;svnkr KWkarbeBa jmtieyabl;elir)aykarn_ hirbaøvtßú edayep kelilt plénsvnkmμ. eyigxjúm)anefvisvnkmμeday GnuelameTAtamsþg;dasvnkmμGnþrCati. ehiysþg;datamgenahtmruvegayeyigrtuvgnuvtþtamtmruvkarrkmsilfm erobcmepnkar nigbmebj svnkmμ edim,ittyl)ankarfanasmrsbmyyfar)aykarn_hirbaøvtßúenh BuMmankMhusqÁgsarv½nþeLIy. karefvisvnkmμ mantmnak;tmngetanwgnitivifiénkargnuvtþn_ edim,ittylyknuvpsþútagénkarrtytbinitü EdlbBaa k;bicmnyntwkr)ak; nigkarbgðaj CUnenAkñúgr)aykarN_hirBaØvtßú. nitivifiedl)anerciseris KWEp kelikarvinicä½yrbs;svnkr rymmankarvaytmélelihanip½yénkmhusqágca sarvn½þénr)aykarn_hirbaøvtßú EdlbNaþlmkBIkarEkøgbnøM b kmhusedayecnanamyy. karefvi)a:n;rbmanelihanip½ytamgenahsvnkrefvi karbicarnaelikarrkb;rkgépþkñúgedltak;tgetanwgggápabkñúgkarerobcm nigbgðajr)aykarn_hirbaøvtßúegay)anrtwmrtuv edim,ikmnt;nuv nitivifikñúgkarrtytbinitürkb;kal³ets³ b:uenþminsmrab;ekalbmngkñúgkarbeba jeyablelirbsitæipabénkarrkb;rkgépþkñúgrbs;ggápabenah et. karrtytbinitük¾rymbba ÚlpgEdrnUvkarvaytMéld¾smRsbelIeKalneya)ayKNenyürbs;FnaKar EdlkareRbIR)as;knøgmk nigkar ):an;rbmansmehtusmplénkargnuvtþn_knenyürbs;kn³rkb;rkg RBmTaMgkarvaytMélelIkarbgaðjCaTUeTAénr)aykarN_hriBaØvtßú. eyigxjúmecocak;fa PsþútagénkareFVIsvnkmμEdleyIg )anttylmk KWmanlkçN³RKb;RKan; nigsmrmüsmrab;pþl;camuldaænsmehtupl smrab;eyabl;rbs;eyigxjúm. eyabl; Caeyabl;rbs;eyIg r)aykarn_hirbaøvtßúedl)anp ab;mkcamyy KW)anbgðajya:gRtwmRtUvnUvral;sßanPaBhirBaØvtßúrbs;FnaKar na kariybriecät 31 FñÚ 2006 niglt plénrbtibtþikarrbmtamgr)aykarn_lmhursac;r)ak;smrab;cugkariybriecät edaygnuelametatam ekalkarn_ennamrbs;fnakarcati énkm<úca nigsþg;darknenyükm<úca. C> Rkumh unr)ayv½tf½rhavxuepis_ exmbuda limitfit PricewaterhouseCoopers (Cambodia) Ltd 124 Norodom Boulevard, Chamkarmon Phnom Penh Kingdom of Cambodia. Tel : (855) Fax : (855) Ék]tþm hái Ganv:anif GKÁnaykrg PñMeBj RBHraCaNacRkkm<úCa éf TI 11 Ex emsa qñam 2007 By Senaka Fernando Senior Manager PñMeBj/ RBHraCaNacRkkm<úCa éf TI 11 Ex emsa qñam 2007

12 FnaKarBaNiC kmμerkarbets énkm<úca ráykarn_lt pl smrab;kariybriecätedl)anbba b; 31 FñÚ 2006 cugkariybriecät cugkariybriecät kmnt;smkal; cmnulkarr)ak; 3 9,144,930 6,390,896 37,100,981 26,279,364 cmnaykarr)ak; 4 (2,982,877) (2,509,166) (12,101,532) (10,317,691) cmnulkarr)ak;sut 6,162,053 3,881,730 24,999,449 15,961,673 cmnulkmér nigecigsar 5 1,902,767 1,239,954 7,719,526 5,098,691 cmnaykmér nigecigsar (77,958) (72,988) (316,276) (300,127) cmnulkmérnigecigsarsut 1,824,809 1,166,966 7,403,250 4,798,564 cmnulepsg² sut 6 205, , , ,559 cmnaytueta nigrdæ)al 7 (1,646,002) (1,573,307) (6,677,830) (6,469,438) cmenjrbtibtiþkar munkarxatbg;eli\ntan 6,546,492 3,717,986 26,559,118 15,288, smvifanfnelikarxatbg;\ntan nigbuerrbtan 8 (3,758,652) (2,826,530) (15,248,852) (11,622,691) cmenjsut munbg;bn 2,787, ,456 11,310,266 3,665,667 cmnaybn elir)ak;cmnul 9 (530,931) (157,084) (2,153,987) (645,929) cmenjsut kñúgqñam 2,256, ,372 9,156,279 3,019,738 FnaKarBaNiC kmμerkarbets énkm<úca taragtulükar smrab;kariybriecätedl)anbba b; 31 FñÚ 2006 cugkariybriecät cugkariybriecät kmnt;smkal; RTBüskmμ sac;r)ak;kñúgéd 4,564,005 6,215,685 18,516,168 25,558,895 smtulüenafnakarknþal 10 97,327,917 47,840, ,859, ,719,676 smtulücamyyfnakard¾ét 11 40,263,469 21,449, ,348,894 88,200,628 karbnþak;tuncamyyfnakarepsg² 12 33,078,302 41,461, ,198, ,487,852 karvinieyakcamyysbaøab½nñrdæ nig b½nñrtnakar 13-13,587,178-55,870,477 \NTan nig buerrbtancmebahgtificn 14 42,411,102 30,849, ,061, ,854,972 RTBüsm,tiþ nig]bkrn_smpar³ , ,582 1,377,818 1,166,091 EpñkTn;kuMBüÚT½r 16 59, , , ,505 RTBüskmμepSg² ,084 1,635,754 3,262,168 6,726,221 srubrtbüskmμ 218,848, ,504, ,867, ,331,317 RTBüGkmμ nigmulnifipaktunik RTBüGkmμ R)ak;beBaØIrbs;FnaKarepSg² , ,783 3,956,224 3,013,202 R)ak;beBaØIGtifiCn ,183, ,895, ,858, ,586,196 smvifanfnsmrab;bn RtUvbg; 384,990 85,332 1,561, ,884 Bn BüÜrTuk 20 38,082 33, , ,425 RTBüGkmμepSg² 21 1,286, ,684 5,217,420 4,069,594 srubrtbügkmμ 197,867, ,736, ,748, ,157,301 mulnifipaktunik edimtun 12,159,533 12,159,533 49,331,225 50,000,000 cmenjrksatuk 3,704,427 1,491,580 15,028,860 6,133,374 TunbMrugepSg² 22 5,116,887 5,116,887 20,759,210 21,040,642 srubmulnifipaktunik 20,980,847 18,768,000 85,119,295 77,174,016 srubrtbügkmμ nigmulnifipaktunik 218,848, ,504, ,867, ,331,317 elakcmtav G uk m:ali Ék]tþm hái Ganva:nif GKÁnayk GKÁnaykrg éf TI 11 Ex emsa qñam 2007 kmnt;smkal;edlp ab;mkcamyybitmb½r 22 dl; 40 KWCaEpñkmYyénr)aykarN_hirBaØvtßúenH elakcmtav G uk m:ali Ék]tþm hái Ganva:nif GKÁnayk GKÁnaykrg éf TI 11 Ex emsa qñam 2007 kmnt;smkal;edlp ab;mkcamyybitmb½r 22 dl; 40 KWCaEpñkmYyénr)aykarN_hirBaØvtßúenH

13 FnaKarBaNiC kmμerkarbets énkm<úca ráykarn_sþibikarerbrbylenakñ úgmulnifipaktunik smrab;kariybriecätedl)anbba b; 31 FñÚ 2006 TunbMrugsMrab; TunbMrugsMrab; R)ak;cMeNj edimtun mulfnbmrug hanip½yfnakar bmerbmrylgrta TunbMrugTUeTA rksatuk srub kmnt;smkal; (US$) (US$) (US$) bþ ÚrR)ak; (US$) (US$) (US$) (US$) smtulüenaéf TI 1 Ex mkra qñam ,416, ,129 1,215,124 3,578, , ,251 18,466,991 cmenjsut kñúgqñam , ,372 karebgeckr)ak;cmenjrksatuk³ karepþretatunbmrugsmrab;grtabþúrr)ak; karepþretamulfnbmrug 22-95, (95,607) - TunbMrugTUeTA ,628 (51,628) - R)ak;rgVan;buKÁlik (43,023) (43,023) R)ak;laPkarRkumRbwkSaPi)al (8,604) (8,604) bmerbmrylénkarbþúrrubbiyb½nñbrets (256,658) (3,207) (25,118) (73,974) (2,598) (20,181) (381,736) smtulüenaéf TI 31 Ex FñÚqñaM ,159, ,529 1,190,006 3,504, ,692 1,491,580 18,768,000 esiμnigban;erol * 50,000,000 1,017,841 4,893,306 14,411, ,335 6,133,374 77,174,016 smtulüenaéf TI 1 Ex mkra qñam ,159, ,529 1,190,006 3,504, ,692 1,491,580 18,768,000 cmenjsut kñúgqñam ,256,909 2,256,909 karebgeckr)ak;cmenjrksatuk³ karepþretatunbmrugsmrab;grtabþúrr)ak; karepþretamulfnbmrug TunbMrugTUeTA R)ak;rgVan;buKÁlik (36,718) (36,718) R)ak;laPkarRkumRbwkSaPi)al (7,344) (7,344) smtulüenaéf TI 31 Ex FñÚqñaM ,159, ,529 1,190,006 3,504, ,692 3,704,427 20,980,847 esiμnigban;erol * 49,331,225 1,004,225 4,827,854 14,218, ,725 15,028,860 85,119,295 cugkariybriecät cugkariybriecät kmnt;smkal; lmhursac;r)ak;)anmkbiskmμpabrbtibtþikar sac;r)ak;sut )anmkbi ¼ erbikñúg Rbtibtþikar 26 45,001,560 10,039, ,571,331 41,283,476 Bn elir)ak;cmnuledl)anbg; (231,274) (316,221) (938,279) (1,300,301) sac;r)ak;sut )anmkbi erbikñúg skmμpabrbtibtþikar 44,770,286 9,723, ,633,052 39,983,175 lmhursac;r)ak;)anmkbiskmμpabvinieyak R)ak;beBaIØbMrugCamYyFnaKarCati énkm<úca (4,000,000) (196,376) (16,228,000) (807,498) karekineligr)ak;bebaøifanaeliedimtun (16,485) - (66,880) - karekineligr)ak;bebaøiepsg² (1,904) - (7,725) - TijRTBüsm,tiþ nig]bkrn_smpar³ (76,513) (17,194) (310,413) (70,702) karfycuhb½nñrdæapi)al nigbnñ½rtnakar 9,727,626-39,464,979 - sac;r)ak;sut erbikñúgskmμpabvinieyak 5,632,724 (213,570) 22,851,961 (878,200) FnaKarBaNiC kmμerkarbets énkm<úca ráykarn_lmhursacŕák smrab;kariybriecätedl)anbba b; 31 FñÚ 2006 karekineligcasac;r)ak;sutæ nigsmmulsac;r)ak; 50,403,010 9,509, ,485,013 39,104,975 lmegoggrtabþúrr)ak; - (2,123,173) - (8,730,487) sac;r)ak; nig smmulsac;r)ak;enaedimrka 110,098, ,711, ,668, ,349,495 sac;r)ak; nig smmulsac;r)ak;enacugrka ,501, ,098, ,153, ,723,983 kmnt;smkal;edlp ab;mkcamyybitmb½r 22 dl; 40 KWCaEpñkmYyénr)aykarN_hirBaØvtßúenH kmnt;smkal;edlp ab;mkcamyybitmb½r 22 dl; 40 KWCaEpñkmYyénr)aykarN_hirBaØvtßúenH karsagsg;pþhvilaedlpþl;\ntanedayfnakarbanic kmμerkarbets

14 FnaKarBaNiC kmμerkarbets énkm<úca kmnt smkal cmeba¼ráykarn_hirbaøvtsú smrab;kariybriecätedl)anbba b; 31 FñÚ B&t mansavtar FnaKarBaNiC kmμerkarbets énkm<úca {FnaKar} RtUv)anbegáIt eligtamgnurkitüelx 1213 cuhéf TI 10 Ex tula qñam 1979 kñúggtitrbbrdækm<úca. kñúgqñam2000 FnaKar)anpþac;ecjBIkar RKb;RKg edaypþal;bifnakarcati énkm<úca {FnaKarkNþal} edim,ierbkøay xøünetacafnakarbanic rbs;rdæ manlkçn³ca shrkasesdækic safarn³ ehiymanekaledaefvirbtibtþikar GaCIvkmμsVy½t. enaebledlkarrkb;rkg nigrbtibtþikar bec ketsrtuv)anbrgwg nig EklMGedayKN³kmμkarEkTMrg;FnaKar nwgmanlkçn³sm,tþiesμinwg FnaKarBaNiC détetot. BIduløarGaemrik RtUv)anbþÚrCaR)ak;duløarGaemrik tamgrtasmrsb rbs;fnakar naéf énrbtibtþikarenahekitelig. cmenj b xatbi karbþúrr)ak;edlekiteligbirbtibtþikarxagelienh nigbikarbþúr RTBüskmμ nigrtbügkmμrubiyvtßúerkabir)ak;duløargaemrik RtUv)an TTYlsÁal;enAkñúgr)aykarN_cMNUl. GRtabþÚrR)ak;eKaleRbIsMrab;bþÚrRTBüskmμ nigrtbügkmμrubiyvtßúna kariybriecät taragtulükar manducxagerkam ³ éf TI 31 FñÚ kñúgex mkra qñam 2001 FnaKar)anTTYlGaCJab½NÑBI FnaKarCati duløargaemrik (US$) 4,057 4,112 énkm<úca edim,irbkbgacivkmμcafnakarbanic kmμ enakñúg etatamyutþafikarepsgerkabirbetskm<úca. r)aykarn_ hirbaøvtßú epanesþrlig (GBP) 7,837 7,092 elikarrbmulykmkvij. karrbmulykmkvij nuv\ntan nigbuer 22 RBHraCaNacRkkm<úCa Edlmanry³eBlbI qñam edaycab;epiþmbiéf TI RtUv)anerobcMeLIgedayeRbIR)as;GnusBaØatMélCaRbvtiþsa sþmyy. RhVg; (FRF) RbTan Edl)ankt;RtabeBa jecalbimunmk )anefviegayfycuh 23 4 Ex mkra qñam 2001 teta. enhkwcagacjab½nñelikti1 Edl)an TTYledIm,IRbkbGaCIvkmμ edaymankarrkb;rkgpþal;bifnakarcati énkm<úca. éf TI 8 Ex mkra qñam 2004 FnaKar)anTTYl GaCJab½NÑRbkbGaCIvkmμelIkTI2 BIFnaKarCatiEdlmansuBlPaB 3 qñam manrbsit ipab cab;biéf enhteta. enaéf TI 31 ExFñÚ qñam2002 RksYgesdækic nighirbaøvtßú {Rk>shv} )anrbkasnuvr)aykarn_ siþbiekalbmngefvi ÉkCn PavUbnIykmμrbs;FnaKar EdlCaEpñkmYyénkmμviFIkMENTMrg;vis½y hirbaøvtßúrbs;racrdæapi)alkm<úca. enaéf TI 28 Extula qñam 2005 PaKTunikrbs;FnaKar EdltMNagedayKN³kmμaFikar ÉkCn PavUbnIykmμ )ancuhkic RBmeRBoglk;FnaKar CamYyniwgFnaKar kanadiya: nigrkumh un GayGinCI huldig. FnaKarkNþal )anlk;pakh un 20 rbs;xøün nig Rk>shv )anbnßypakh un rbs;xøünbicmnyn 80 mk 10 vij. éf TI 23 Ex ]spa qñam 2006 lkçniþk³rbs;fnakarrtuv)anefviviesafnkmμ edim,iqøúhbgðajbikar ERbRbYlPaKTunik. bc úb,nñ ral;rbtibtþikarrbs;fnakarrtuv)anekefvieligenatisñak; karknþal EdlmanTItaMgenAGaKarelx 3 vifirkmyns PñMeBj. enaéf TI 31 Ex FñÚ qñam 2006 FnaKarmanbuKÁlikcMnYn 94 nak; 2005³ 97 nak;. 2 ekalneya)ayknenyüsmxan;² Edl)anGnuvtþkñúgkarerobcM r)aykarn_hirbaøvtßúenh RtUv)anbgðajCUndUcxageRkam. ekal neya)aytamgenh RtUv)anGnuvtþy:agsIusgVak;Kña nigy:agx ab;x Ün RKb;kariybriecäT Edl)anbgðajCUnTaMgGs; luhrtanamankar bba ak;epsgbienhrbsinebiman. 2 1 muldæanénkarbghaj r)aykarn_hirbaøvtßúenh erobcmeti,grsbtambtbbaøtþirbs;fnakar Cati énkm<úca nigsþg;darknenyükm<úca. kargnuvtþn_sþg;dar KNenyükm<úCaenH GacxusEbøkBIeKalkarN_KNenyüCaTUeTA EdlGnuvtþenAkñúgRbeTsdéTeTot nigyutþafikar epsgetot. r)aykarn_hirbaøvtßúedlp ab;mkcamyy minsmedabgðajsßanpab hirbaøvtßú niglt plrbtibtþikar RBmTaMglMhUrsac;R)ak; edayrsb smrab;ekalbmngryménbtbbaøtirsbetanigesckþicundmnwgelx rncuHéf TI 05 Ex FñÚ qñam 1995 rbs;fnakarcati énkm< úca karbþ ÚrrUbiybNÑ ½epSg²eTAerolRtUveFV IeLIgsMrab;r)aykarN_ taragtulükar r)akarn_ltæpl r)aykarn_bmerbmrylkñúgmulnifi PaKTunik r)aykarn_lmhursac;r)ak; nigkmnt;smkal;eli r)aykarn_hirbaøvtßú smrab;kariybriecät)anbba b;éf TI 31 ExFñÚ qñam 2006 RtUveFVIeLIgeday ykgrtapøúvkarecjedayfnakarcati énkm<úca enaéf raykarn_ EdleBlenaH 1duløarGaemrik esμinwg 4/057erol 2005 ³ 1duløarGaemrikesμInwg 4/112erol. ducenh cmnynedl)anbþúrryc KWBuM)anRtYtBinitü nigminrtuv)anefvikar sarcafμinuvcmnyncaduløargaemrikedl)anbþúrcaerolnuvgrtaenahet. 2 2 rubiyb&nñbrets k rubiyvtßúekal nigraykarn_ ral;fatunimyy²edlmanenakñúgr)aykarn_hirbaøvtßú RtUv)anvas;Evg edayerbirubiyvtßúcaekal EdlFnaKarmanRbtibtþikarGaCIvkmμ énbridæanesdækic ehafa {rubiyvtßúekal}. rubiyvtßúekalkñúg qñammunkwcar)ak;erol b:uenþenakñúgqñam2005 rubiyvtßúekalkwcar)ak; duløarshrdægaemrik edaysarfnakar cat;tukfar)ak;duløarshrdæ GaemrikmanlkçN³l RbesIrkñúgkarqøúHbBa amgbibridæanesdækic Edl CamUldæanénRbtibtiþkarnigkal³eTs³rbs;FnaKar. r)aykarn_ hirbaøvtßúrtuv)anbgðajcar)ak;duløargaemrik EdlRtUv)ankMNt;fa CarUbiyvtßúeKal nigraykarn_. x Rbtibtþikar nigsmtulü RbtibtþikarEdl)anbgðaj nigkmnt;caekalfacarubiyb½nñerka RhVg;sVIs (CHF) 3,353 3,128 dwmaks (DEM) - 1,861 éf)at (THB) duløarkanada (CAD) 3,531 3,533 ey:ncb:un (JPY) GURsþalIduløar (AUD) 3,175 3,011 GWr:U (EUR) 5,251 4, cmnul nig cmnaykarrák cmnulkarr)ak;eli\ntan nigbuerrbtanetaegaygtificn R)ak; bebaøicamyyfnakarknþal nigfnakardétetot ehiynigkar vinieyakcamyysbaøabnñ½rdæapi)al nigb½nñrtnakar RtUv)aneKTTYl sáal;elimuldæanbgár elikelg EtmankarsgS½yF n;f rcmebah karrbmul\ntan nigbuerrbtangtificn EdlkñúgkrNIenHKμan cmnulkarr)ak; RtUv)aneKTTYlsÁal;eT. ekalneya)ayelikar BüÜrcMNUlkarR)ak; RsbeTAtameKalkarN_rbs;FnaKarkNþal sþibikarbüürcmnulkarr)ak; eli\ntanmindmenirkar nigsmvifanfn smrab;bmnulgarkk; nigsgs½y. cmnaykarr)ak;elir)ak;bebaiøgtificn nigknnipat;tat;énfnakar détetot RtUv)aneKTTYlsÁal;CamUldæanbgÁr. 2 4 cmnulkmér nigecigsar cmnulkmérnigecigsarrtuv)anekttylsáal;enaebledlrbtibtþikar ekitelig. cmnulkmér nigecigsar)anttylbikarepþrr)ak;ecj nig culkmérqñül elidmenirkar\ntan kmérskiçb½rtfanakarefvibanic kmμ CamYylixit\NTan nigviká½yb½rttutat;. 2 5 }NTan nig buerrbtancmeba¼gtificn \NTan nigbuerrbtancmebahgtificntamggs; RtUv)anraykarN_enA kñúgtaragtulükar EdlmancMnYnTwkR)ak;edIm dkkarkt;rtacmrhbbai nigsmvifanfnsmrab;kunbmnulgarkk; nigsgs½y. \NTanry³eBl xiø KWRtUvTUTat;sgvij kñúgry³eblmyyqñaménkalbriecät\ntan Edl)anbuerRbTan. \NTanry³eBlEvgCa\NTanEdlkarTUTat; sgcugerkayvij ercincagmyyqñaménkalbriecät\ntan Edl)an buerrbtan. \NTanRtUv)aneKkt;RtaCMrHbBa I enaebledlminmanpabcak;lak; cmnynsmvifanfnelikarxatbg;\ntan nigbuerrbtanenakñúgr)ay karn_lt pl. 2 6 smvifanfnsmrab karxatbg }NTannigbuerRbTan FnaKarRtUvGnuvtþtamesckIþRbkaselxF cuhéf TI 7 mifuna 2002 siþbicmnat;fñak;\ntan nigkarefvismvifanfn Edlecj psayedayfnakarknþal. esckiþrbkasenh tmruvegayfnakar BaNiC TaMgGs; efvicmnat;fñak;smnum\ntanrbs;bykeketatam 4fñak; ehiykmritsmvifanfncak;lak; RtUveFIVeLIgedayminKitBIRTBüskmμ elikelgsac;r)ak; EdlykmkeFIVCaRTBübBa amenahet. kmritsmvifanfnedl)ankmnt;enakñúgrbkasmanducxagerkam³ sþg;dar 0 erkamsþg;dar BI 91 éf dl; 180éf 10 sgs½y BI 181 éf dl; 360éf 30 )at;bg; ercincag 360éf }NTanhYskalkMNt sg RsbeTAtamesckIþRbkas F700-51k ecjedayfnakarknþal cuhéf TI 17 kumö³ 2000 R)ak;\NTanhYskalkMNt;sg RtUv)an kmnt;facacmnynr)ak;edimsrubedlcmbak;enaebledlr)ak;edim b kar R)ak;enaH )anhyskalkmnt;sg elikelgetmankarekerbkar kmnt;sgénr)ak;karnigr)ak;edimenah.

15 kmnt;smkal;cmebahr)aykarn_hirbaøvtßú t 2 8 karvinieyakkñúgmulb&rtrdæapiál b&nñrtnakar nigrák bebaiø ry eblxiø CamYyFnaKarepßg@ FnaKar)aneFVIcMNat;fñak;vinieyaKTunrbs;xøÜn elimulb½rtrdæapi)al b½nñrtnakar ehiynigr)ak;bebaøi Overnight nigr)ak;bebaøi ry³eblxiøcamyyfnakardétepsgetot CakarvinieyaKTukdl;kal vsankmnt; EdlmankalvsanCab;lab; EdlFnaKarmanbMNg niglt PaBrkSaTukrhUtdl;kalvsankMNt;. karvinieyaktuntamg enh RtUv)ankt;RtatamtMéledImEdl)andkrMls;ecjBIsMviFan FnNamYy. 2 9 RTBüsm,tiþnig«bkrN_sMPar RTBüsm,tþi nig]bkrn_smpar³ RtUv)anraykarN_tamtMéledIm dkrmls;bgártukecj elikelgdi GaKar EdlminRtUv)aneKdk rmls;et. tméledimrab;bba ÚlkarcMNayEdlCarbs;pÞal;cMeBaHkar )anmkbirtbüsm,tiþ nig]bkrn_smpar³tamgenah Rbtibtþikarsm<&n jati GnuelameTAtamc,ab;sIþBIFnaKar nigrkwhsßanhirbaøvtßúpakism<½n jati RtUv)ankMNt;CaPaKIEdlkan;kab;pÞal; b edayrbeyal 10 y:agticénmulfn b sit ie)aheqñat nigrab;bba ÚlbuKÁlNamYy Edl culrymenakñuúgrdæ)al TisedA karrkb;rkg b karrtytbinitüépþkñúg rbs;fnakar sac Rák nigsmmulsac Rák sac;r)ak; nigsmmulsac;r)ak;rymmansmtulüedlmankalvsanþ ticcag 90éf BIeBleFVIlT kmμ EdlrYmmansmtulüenHrYmbBa Úl TaMgsac;R)ak;kñúgédR)ak;beBaØImankalkMNt;ry³eBlxøIehIy nig KNnIpat;Tat;enAFnaKarCati b½nñrtnakaredlmankalvsanþtic Cag b esiμ3ex KNnIpat;Tat; nigkarbnþak;tunenafnakarepsg² karebgeckrák cmenj enakñúgqñma2005 GnuelameTAtameKalneya)ayrbs;FnaKar KW tmruvegayman ³ 1> begvr 5 eta 10 énr)ak;cmenjsut kñúgqñam culkñúgknni mulfnbmrug. 2> begvr 6 énr)ak;cmenjsut kñúgqñam bnþab;bibegvrculknni mulfnbmrugculknnibmrugtueta. 3> EbgEckR)ak;cMeNjsuT kñúgqñam bnþab;bi)anbegvrculknni mulfnbmrug cmnyn 5 etaegaybukálik nig 0>5 eta 1 etaegaysmacikrkumrbwksapi)al tméledimelikerkay RtUv)anbBa ÚleTAkñúgcMnYnRTBüskmμ b TTYl sáal;cartbüskmμedayelk kalnamanlt PaBplRbeyaCn_ esdækic enaeblgnakt Edl)anbBa ÚlCamYyRTBüskmμ nigbnþ etafnakar ehiynigéføediménrtbüskmμenah GacnwgRtUv)aneK vas;evgkyregayeco)an. karefrksa nigkarcyscul RtUv)aneK kt;rtaculetakñúgr)aykarn_cmnul enaeblmancmnayekitelig. cmnayelikarcyscul RtUv)ankt;RtaCacMNayedaypÞal;enAkñúg r)aykarn_cmnulenakñúgqñam. rmls;edl)anknnaedayelkelimuldæanefr edim,ikat;bnßyéfø ediménrtbüskmμetatamgayukalerbir)as;)a:n;sμanrbs;va man ducxagerkam³ GRtarMls;mandUcxageRkam ³ sgðarwm nigsmpar³kariyal½y yanynþ 3-5 qñam 5 qñam plcmenj nigxatbg;elikarlk; KWRtUv)ankMNt;eLIgedayeFVI karerbobefob rvagsac;r)ak;ttyl)anbikarlk; nigtméledimsut kt;rta. cmnynenh mankt;rtaenakñúgr)aykarn_cmnul RTBüskmµGrUbI GaCJab½NÑkuMBüÚT½r Software RtUv)aneKeRbIelImUldæantMéledIm Edl ekitmaneligcmebahepñktn;kumbüút½rcak;lak; EdlnaMmknUvkareRbI R)as;. tméledimtamgenh RtUv)aneKeFVIrMls;sMrab;ry³eBl 5qñaM edayerbir)as;muldæankitrmelahesμipak RbtibtiþkarCYl karcyledlkarttylpl nighanip½yénkmμsit irtbüskmμ enaetca rbs;rkumh unm as;kmμsiti enah RtUv)aneKrab;bBa ÚlfaCaRbtibtiþkar CYl. R)ak;CYlEdl)anbg;eRkamRbtibtiþkarCYl RtUv)aneKkt;Rta etakñúgr)aykarn_lt pl edayqrelimuldæanrmelahesμipak kñúgkmlúgry³eblénkarcylenah Rák esafnnivtþrbs buk:lik FnaKarpþl;eGaynieyaCitrbs;xøÜnnUvR)ak;]btßmÖeBlcUlnivtþn_. R)ak;]btßmÖenH KW)anmkBIRbPBdUcxageRkam³ 1> karculrymvipaktanrbcamex EdlmanmUldæanelIR)ak;ebovtS rbs;bukálik nigvipaktanpþl;edayfnakar nigbukálikcamyygrta 5 nig 5 CabnþbnÞab;. vipaktanenhkwkt;rtaculetakñúg r)aykarn_lt pl. 2> FnaKarpþl;karR)ak; elismtulübgárénmulnifiesafnnivtþn_ tamgrta 6 kñúgmyyqñam. mulnifiesafnnivtþn_nwgrtuvtutat;egaybukáliktamggs;vij cmebah bukálik Edl)ancUlrYmcMENkkñúgmUlniFienH enaeblbba b;kic snüa kargarcamyyfnakar etahbicakñúgmulehtunak¾eday. benßmelisbienhetaetot bukálikmñak;² nwgttylnuvr)ak;]btßmö benßmetot Cakarbg;R)ak;srub EdlesIμnigR)ak;ebovtSdul RbcaMExrbs;buKÁlik KuNnwgcMnYnTabCagéncMnYnkargarbMerIesva ticcag b esμi10qñam enaeblbba b;kic snüakargarcamyyfnakar. FnaKar min)anefvismvifanfnbgáartuk smrab;cmnynedlrtuvbg;r)ak; srubbenßmetaegaybukálik enaeblbba b;kargarcamyyfnakar enahet. FnaKarmanR)ak;bMrugTUeTAmYy kmnt;smkal; 22 Edl GaceRbIR)as; smrab;r)ak;]btßmösrubbenßmenh Bn BnüareBlTUTat Bn BnüareBlTUTat;RtUv)aneKpþl;eGayTaMgRsugeTAelIvismPaB EdlekIteLIg muldæanbn énrtbüskmμ RTBüGkmμ nigcmnyntwkr)ak; eyagenakñúgr)aykarn_hirbaøvtßú. Bn elirtbüskmμbnüarebl RtUveKTTYlsÁal;nUvTMhM EdlBn elir)ak;cmenjetagnakt nwg mantb;tl;etanwgvismpabbenþahgasnñgacrtuv)anekerbir)as;. R)ak;EbgEckR)ak;cMeNjsuT RbcaMqñaM RtUv)anRbkas niggnum½t edayrkumrbwksapi)alrbs;fnakar nigrtuv)ankt;edaypþal;bi KNnIR)ak;cMeNjrkSaTuk. GnuelameTAtamviesaFnkmμénlkçniþk³fμIrbs;FnaKar cuhéf TI 23 ]spa qñam 2006 R)ak;cMeNjRbcaMqñaMrbs;FnaKar nigkt;rtaculeta kñúgknnicmenjrksatuketmyykt;. FnaKar nigminefvikarebgeck R)ak;cMeNj nigepþretakñúgknnibmrug nigtun bmrugtuetaenaheliy.

16 kmnt;smkal;cmebahr)aykarn_hirbaøvtßú t 3>cMNUlkarR)ak; \NTan nigbuerrbtanetaegaygtificn 4,291,692 3,635,458 17,411,395 14,949,001 b½nñrtnakar 43, , ,122 2,091,437 FnaKarkNþal 2,056,391 1,116,308 8,342,778 4,590,258 mulb½rtrdaæpi)al - 267,510-1,100,000 FnaKareRkARbeTs 2,753, ,002 11,170,686 3,548,668 srub 9,144,930 6,390,896 37,100,981 26,279,364 4> cmnaykarr)ak; R)ak;beBaIØmankalkMNt; duløargaemrik 2,073,604 1,479,309 8,412,611 6,082,919 erol 409, ,026 1,660,607 2,450,859 R)ak;beBaIØsBa ½y duløargaemrik 291, ,704 1,182,956 1,137,807 erol 194, , , ,911 mulnifiesafnnivtþn_ 13,470 18,530 54,649 76,195 srub 2,982,877 2,509,166 12,101,532 10,317,691 5> cmnulkmérnigecigsar kmérelikarepþrr)ak; 667, ,029 2,708,981 2,014,999 kmérecigsarbidmenirkar\ntan 701, ,659 2,845,718 1,228,086 kmérecigsarbilixit\ntannigb½nñfana 218, , , ,662 kmér SWIFT 150, , , ,804 kmérepsg² 164, , , ,140 srub 1,902,767 1,239,954 7,719,526 5,098,691 6>cMNUlepSg² duløargaemrik duløargaemrik* Ban;erol Ban;erol cmenj¼ xat elikarbþúrr)ak; 167,002 (14,954) 677,527 (61,491) cmenjelikarvaytmél sut - 167, ,128 cmnulepsg² 38,630 90, , ,922 srub 205, , , ,559 7>cMNayTUeTA nigrdæ)al cmnaybukálik 911, ,341 3,698,528 2,493,274 éføqñültulakar nigc,ab; 70, , ,747 1,008,567 cmnaytmnak;tmng 62,212 71, , ,966 rmls; 148, , , ,816 cmnayelikarcyl 74,400 74, , ,933 cmnaytwk epiøg nigkariyal½y 77,195 72, , ,381 cmnaytipsar (Marketing) 55,076 66, , ,603 kmérepijcunfnakarknþalelikarepþrpakh un - 59, ,001 cmnayfanara:b;rg nigsniþsux 26,300 44, , ,844 cmnayrbcumrbs;rkumrbwksapi)al 5,916 23,739 24,001 97,615 éfødwkcba Ún 26,791 22, ,691 93,178 CYsCul nigefrksa 23,637 17,120 95,895 70,397 cmnayepsg² 163, , , ,864 srub 1,646,002 1,573,307 6,677,830 6,469,438 8> smvifanfnsmrab;karxatbg; \NTannigbuerRbTan duløargaemrik duløargaemrik* 2006 Ban;erol 2005 Ban;erol smvifanfnsmrab;karxatbg;\ntan nigbuerrbtan kmnt;smkal; 14 g (5,696,576) (4,804,267) (23,111,007) (19,755,144) smvifanfnsmrab;karxatbg;elikarr)ak; \NTan nigbuerrbtan karrbmul)anvijnuv\ntangarkk;edl kat;ecjbibbai BImun (368,234) - (1,493,927) - karrbmul)anvijnuvén\ntanedl)anefvismvifanfn 961,419 1,433,447 3,900,476 5,894,331 kmnt;smkal; 14 g 1,344, ,290 5,455,606 2,238,122 srub (3,758,652) (2,826,530) (15,248,852) (11,622,691) 10> Bn k cmnaybn elir)ak;cmnul 2006 duløargaemrik 2005 duløargaemrik 2006 Ban;erol* 2005 Ban;erol* Bn kñúgqñam 526, ,291 2,135, ,133 skmμpabbn BnüarTuk 4,662 (21,207) 18,914 (87,203) srub 530, ,084 2,153, ,930 x karpáúrpágcmnaybn elir)ak;cmnul nigcmenjknenyü duløargaemrik duløargaemrik* Ban;erol Ban;erol cmenjknenyümunbg;bn 2,787, ,455 11,310,267 3,665,664 Bn tamgrta , ,291 2,262, ,133 benßm b kat;ecj cmnaymingackat;kg)an smrab;ekalbmngknnabnæ 5,679-23,040 - karttylsaál;bnæbüürtukkñúgqñammun eli]bkrn_ nigtibvsmpar³ (32,316) - (131,106) - cmenjsut )anmkbikarbþúrrubiyb½nñbretsminttylsaál;kñúgqñamenh - 33, ,423 cmenjsut )anmkbikarbþúrrubiyb½nñbretsminttylsaál;kñúgqñammun EdlRtUv)anTTYl saál;kñúgqñamenh - (54,627) - (224,626) srubcmnaybn elir)ak;cmnul 530, ,084 2,153, ,930

17 kmnt;smkal;cmebahr)aykarn_hirbaøvtßú t K bbaðabn epsg² Bn elir)ak;cmnulrbs;fnakar KWCaRbFanbTEdlRtUv)anBinitüedaynaykdæanBn dar. EpñkxøHénc,ab;Bn ehiynigsaracrgacebikcmhcmebah karbkrsayxuskña duecñhcmnyntwkr)ak;edlcab;bn Edl)anraykarN_enAkñúgr)aykarN_hirBaØvtßú GacRtUv)anpøas;bþÚrenAkalbriecäT elikerkay eyagetaelikarsmerccitþeday naykdæanbn dar. 10> smtulüenafnakarknþal > karbnþak;tunenafnakarepsg² karbnþak;tun Overnight CamYyFnaKarepSg² 5,695,209 23,114,413 23,105,463 95,046,465 karbnþak;tunry³eblxiøcamyy FnaKarepSg² 27,383,093 18,346, ,093,208 75,441,387 srub 33,078,302 41,461, ,198, ,487,852 R)ak;beBaØImankalkMNt; 75,500,000 25,100, ,303, ,211,200 KNnITunbMrugkatBVkic 13,500,000 9,500,000 54,769,500 39,064,000 KNnIcrnþ 7,095,479 12,012,386 28,786,359 49,394,931 R)ak;beBaØItamc,ab; 1,232,438 1,215,953 5,000,000 4,999,999 R)ak;RtUvTarBIFnaKarCati 142, , , ,057 97,470,401 47,968, ,437, ,248,187 smvifanfnsmrab;karxatbg;elir)ak;rtuvtarbifnakarknþal (142,484) (128,529) (578,058) (528,511) GRtakarR)ak;RbcaMqñaM)anmkBIkarbNþak;TunCamYynigFnaKarepSg²mansegçbdUcxageRkam³ karbnþak;tun Overnight CamYyFnaKar epsg² 3.84%-4.81% 1.40%-3.60% karbnþak;tunry³eblxiøcamyy FnaKarepSg² 1.89%-5.65% 0.24%-4.28% 13> karvinieyaktuncamyymulb½rtrdæapi)al nigb½nñrtnakar mulb½rtrdæapi)al - 9,727,626-40,000,000 b½nñrtnakar - 3,859,552-15,870,477 srub 97,327,917 47,840, ,859, ,719,676 srub - 13,587,178-55,870, KNnITunbMrugkatBVkic KμankarR)ak;tMNageGayTunbMrugGb,brmaEdlKNnatamGRta 8 énsmtulübebaøirbs;gtificn nigknnipat;tat; rbs;fnakarepsg². kñúgkarknnar)ak;bmrugkatbvkic FnaKarkNþal)anGnuBaØateGaydkecjsmtulüCaR)ak;erol EdlFnaKarmancMnYn 2/468/405 Ban;erol nakariybriecät TI 31 Ex FñÚ qñam 2006 qñam2005 mancmnyn10/473/507 Ban;erol BIR)ak;bMrugkatBVkic. GnuelamtamRbkasrbs;FnaKarCati énkm<úca elx F FnaKarRtUvtMkl;TwkR)ak;beBaØItamc,ab; enafnakarcatiesμinwg 5>000>000Ban;erol EdltMNageGay 10 énedimtuncuhbba I. GnuelamtamRbkasrbs;FnaKar énkm<úca elx F Rbk cuhéf TI15 Extula qñam 2001 R)ak;beBaØItamc,ab;RtUvTTYl)ankarR)ak;tamGRtahirBaØb,TanCamFüm 3 cab;biqñam2002. R)ak;tMkl;enH nwgrtuvsgrtlb;vijetenaebledlfnakarqb;efvirbtibtþikargacivkmμrbs;xøünenakñúgrbetskm<úcab:uenñah. R)ak;EdlFnaKarkNþalCMBak; KWCaR)ak;buerRbTanEdl)anpþl;eTAeGayFnaKarkNþal munebledlfnakarkøayetacafnakarékracü BIkarRKb;RKgpÞal;rbs;FnaKar knþal. smtulü 100 EdlFnaKarkNþalCMBak;TaMgGs;nUvcMnYn 142/484erol RtUv)aneFVIsMviFanFn nakariybriecät Edl)anbBa b; éfti 31 Ex FñÚ qñam GRtakarR)ak;RbcaMqaMñelIsmtulüCamYyFnaKarkNþal RtUv)ansegçbdUcxageRkam³ R)ak;beBaIØry³eBlxIø 3.33% % 1.80% % R)ak;beBaIØbMrugkatBVkic 0% 0% KNnIcrnþ 0% 0% R)ak;beBaIØtamc,ab; 1.04% % 1.04% % enaéf TI 01 Ex emsa qñam 2002 RksYgesdækic nighirbaøvtßú )ane)ahpsaynuvb½nñrdæapi)alcmnyn 4/000 etaegayfnakaredlkñúg b½nñnimyy²mantmélcaritcmnyn 10 laneron. b½nñrdæapi)alcmnyn 4/000 EdlecjeTAeGayFnaKar RtUv)anTTYlTijRtLb;mkvijeday RksYgesdækic nighirbaøvtßú enaéf TI 04 mkra 2006 CaEpñkénkic RBmeRBogTijlk; EdlTak;TgeTAnigkareFVIÉkCnPavUbniykmμFnaKar enaéf TI 28 tula bnñ½rtnakaredlkan;kab;edayfnakarkñúgkmlúgqñam 2005 KWCab½NÑbBa úhéfø EdlecjedayRksYgesdækic nighirbaøvtßúmanry³kal kmnt;biex nig)anttylcmnulkarr)ak; 6 kñúgmyyqñam. kñúgex mifuna qñam 2006 FnaKarCati énkm<úca )anecjpsaycasafarn³ nuvkarbbaäb;karecjpsaybnñ½rtnakarrbs;rksygescækic nighirbaøvtßú smrab;fnakarbanic nigsßab½nhirbaøvtßúepsg². 14> \NTan nigbuerrbtancmebahgtificn k> karvipaktamrbeptén\ntan \NTanBaNiC kmμ³ \NTanry³eBlxIø 1,998,000 4,103,000 8,105,886 16,871,536 \NTanry³eBlEvg 13,747,252 8,019,102 55,772,600 32,974,547 \NTanKμankalkMNt; 33,901,465 21,591, ,538,244 88,784,750 \NTaneRbIR)as;³ \NTanÉktþCn 10,000 30,000 40, ,360 49,656,717 33,743, ,457, ,754,193 11> smtulücamyyfnakarepsg² smtulücamyyfnakarepsg² CaKNnIcrnþCamYyFnaKard¾éT enaerkarbetskm<úca. KNnIcrnþenH )anttylkarr)ak;tamgrtarbcamqñam cab;bi 1>3 etadl; 2>0 enakñúgqñam ³ 1>3 etadl; 2>0. smvifanfnsmrab;karxatbg;eli\ntannigbuerrbtan 7,245,615 2,893,779 29,395,459 11,899,221 srub 42,411,102 30,849, ,061, ,854,972 ral;\ntanmankalkmnt;tamggs;rtuv)anekpþl;egaycncatikm< úca.

18 kmnt;smkal;cmebahr)aykarn_hirbaøvtßú t x> karvipaktamrbept]ssahkmμ esvakmμ 40,288,755 22,519, ,451,481 92,599,074 karnamcul nignamecj 1,486,219 2,245,675 6,029,589 9,234,214 lk;dum niglk;ray 4,775,715 2,895,710 19,375,077 11,907,161 ksikmμ 118,132 2,682, ,261 11,031,717 karpát;pág;catikimi nigfñamebtü 2,135,703 1,821,298 8,664,548 7,489,178 ]ssahkmμepsg² 739,119 1,441,685 2,998,605 5,928,211 ÉktþCn 113, , , ,638 49,656,717 33,743, ,457, ,754, K> karvipaktamkarfana mankarfana 49,656,717 33,743, ,457, ,754,193 BuMmankarFana > RTBüsm,tiþ nig]bkrn_smpar³ diføi GaKar sgðarwm nigsmpar³ yanynþ srub duløargaemrik duløargaemrik duløargaemrik duløargaemrik duløargaemrik 1 mkra 2005 tméledim 224,434 64, ,380 53, ,345 rmls;bgár - - (280,113) (53,339) (333,452) cmnyncuhbbai sut 224,434 64,192 48, ,893 cugkariybriecät 31 FñÚ 2005 cmnyncuhbbai sut edimrka 224,434 64,192 48, ,893 lmegogkarbþúrr)ak; (4,639) (1,326) 3,605 - (2,360) TijbEnßm ,194-17,194 lk;ecj - - (440) - (440) rmls;bnþúk - - (67,705) - (67,705) cmnyncuhbbai sut cugrka 219,795 62, , FñÚ ,656,717 33,743, ,457, ,754, tméledim 219,795 62, ,479 52, , X> karvipaktamcmnat;fñak; btdæan 39,044,714 24,889, ,404, ,346,454 erkambtdæan 300,034 1,004,708 1,217,237 4,131,360 sgs½y 5,016,571 7,849,314 20,352,229 32,276,379 )at;bg; 5,295,398-21,483,430-49,656,717 33,743, ,457, ,754,193 g> smvifanfnsmrab;karxatbg; eli\ntannigbuerrbtan clnasmvifanfnsmrab;karxatbg;eli\ntannigbuerrbtanmanducteta³ smtulüedimrka 2,893,779 4,465,265 11,740,059 18,361,168 smvifanfnkñúgqñam 5,696,576 4,804,267 23,111,009 19,755,144 bmnulgarkk;edl)ankat;ecjbibbai - (6,008,984) - (24,708,943) bmnulgarkk;edlrbmulmkvij (1,344,740) (544,290) (5,455,609) (2,238,121) )MeGogGRtabþÚrrUbiyb½NÑ - 177, ,973 7,245,615 2,893,779 29,395,459 11,899,221 c> GRtakarR)ak; \NTannigbuerRbTaneTAeGayGtifiCnTaMgenH TTYl)ankarR)ak;tamGRtaRbcaMqñaMmandUcxag erkam ³ \NTan nigbuerrbtancar)ak;erol 10.0% % 10.4% % \NTan nigbuerrbtancar)ak;duløargaemrik 10.0% % 10.0% % rmls;bgár - - (328,558) (52,236) (380,794) cmnyncuhbbai sut 219,795 62, ,582 esiμnigban;erol * 903, ,503 3,791-1,166,091 cugkariybriecät 31 FñÚ 2006 cmnyncuhbbai sut edimrka 219,795 62, ,582 vismpabénkarbþúrr)ak; 2, ,845 TijbEnßm ,903 26,610 76,513 rmls;bnþúk - - (21,629) (2,696) (24,325) cmnyncuhbbai sut cugrka 222,775 63,718 29,208 23, , FñÚ 2006 tméledim 222,775 63, ,570 79, ,616 rmls;bgár - - (280,362) (55,639) (336,001) cmnyncuhbbai sut 222,775 63,718 29,208 23, ,615 esiμnigban;erol * 903, , ,497 97,019 1,377,818 16> EpñkTn;kuMBüÚT½r éf TI 1 mkra 2005 EpñkTn;kuMBüÚT½r duløargaemrik tméledim 347,941 rmls;bgár (100,897) cmnyncuhbbai sut 247,044

19 kmnt;smkal;cmebahr)aykarn_hirbaøvtßú t cugkariybriecätéf TI 31 FñÚ 2005 cmnyncuhbbai sut edimrka 247,044 vismpabénkarbþúrr)ak; (9,710) TijbEnßm - rmls;bnþúk (55,791) tmélcuhbbai sut cugrka 181,543 éf TI 31 FñÚ 2005 tméledim 340,749 rmls;bgár (159,206) cmnyncuhbbai sut 181,543 esiμnigban;erol * 746,505 cugkariybriecätéf TI 31 FñÚ 2006 cmnyncuhbbai sut edimrka 181,543 vismpabénkarbþúrr)ak; 2,462 bukbenßm - rmls;bnþúk (124,146) cmnyncuhbbai sut cugrka 59,859 18> R)ak;beBaIØrbs;FnaKarepSg² R)ak;beBaIØBIFnaKarnivasCn 429, ,312 1,743,841 1,563,844 R)ak;beBaIØBIFnaKarGnivasCn 545, ,471 2,212,383 1,449,358 srub 975, ,783 3,956,224 3,013,202 R)ak;beBaIØTaMgenHminmancMNUlkarR)ak;eT 19> R)ak;beBaØIGtifiCn k> karvipaktamrbeptr)ak;bebaøi R)ak;beBaØIcrnþ 71,143,636 46,586, ,629, ,564,070 R)ak;beBaØIsBa ½y 58,577,066 49,746, ,647, ,558,870 R)ak;beBaØImankalkMNt; 61,825,012 43,660, ,824, ,530,627 R)ak;beBaØIkMrit emilkmnt;smkal;23 1,468,286 1,877,135 5,956,836 7,718,779 KNnIR)ak;beBaØIepSg² 2,169,245 1,024,772 8,800,627 4,213,850 srub 195,183, ,895, ,858, ,586,196 R)ak;beBaØIkMrit tmnagegaysmtulüsrubénr)ak;bebaøicasac;r)ak;kμankarr)ak;edltmruvbigtificnsmrab;lixit\ntan niglixitfanaedlena mansmtulünacugkariybriecät. KNnIR)ak;beBaIØepSg² rymmanr)ak;bebaøigtificnbenþahgasnñ nigmulb,tanb½rtsmrab;fana karpat;tat;edlmancmnynesiμ 511/774dulaør nigcmnyn 330/448dulaør qñam 2005 mancmnyn 580/027dulaør nigcmnyn 254/006dulaør tamlmdab;lmeday éf TI 31 FñÚ 2006 tméledim 345,368 rmls;bgár (285,509) cmnyncuhbbai sut 59,859 esiμnigban;erol * 242,848 17> RTBüskmμepSg² smtulümulb,tanb½rtbrets mulb,tanb½rtetscrn_ nigb½nñ\ntanefvieblanic ½y kmbugbba Ún 6, ,161 27,795 3,138,120 enakñúgéd 159,761 51, , ,262 cmnulkarr)ak;bgár 742, ,126 3,010,597 2,726,774 buerrbtan 263, ,090 1,069, ,065 srub 1,172,318 1,635,754 4,756,094 6,726,221 smvifanfnsmrab;karr)ak;bgár EdlTTYYl)anBI\NTan (368,234) - (1,493,926) - srub 804,084 1,635,754 3,262,168 6,726, x> karvipaktamrbeptgtificn ÉktþCn 86,853,248 67,823, ,363, ,891,467 Rkumh unékcn nigggákarerkardæapi)al 62,179,900 41,684, ,263, ,407,211 Rkumh unrdæ 46,150,097 33,387, ,230, ,287,518 srub 195,183, ,895, ,858, ,586, K> karvipaktamsßanpabnivascn nivascn 193,456, ,594, ,854, ,125,196 GnivasCn 1,726,347 2,300,827 7,003,790 9,461,000 srub 195,183, ,895, ,858, ,586, X> karvipaktamtmnak;tmng PaKIxageRkA 194,832, ,712, ,435, ,834,189 bukálik 350, ,881 1,422, ,007 srub 195,183,245` 142,895, ,858, ,586,196

20 kmnt;smkal;cmebahr)aykarn_hirbaøvtßú t g> GRtakarR)ak; KNnIcrnþ 0% 0% R)ak;beBaØIsBa ½y Caduløar 0.75% -1.5% 0.75% -1.5% Caerol 1.5% - 2% 1.5% - 2% R)ak;beBaØImankalkMNt;CaduløarGaemrik³ 1 Ex 1% - 2% 1% - 2% 3 Ex 3% 3% 6 Ex 4% - 4.5% 4% - 4.5% 12 Ex 5% - 5.5% 5% - 5.5% R)ak;beBaØImankalkMNt;Caerol³ 3 Ex 4.5% 4.5% 6 Ex 5.5% 5.5% 12 Ex 6.5% 6.5% R)ak;beBaØIkMrit Margin deposits 0% 0% 20> Bn BüÜrTuk mkra , ,585 - )anerbir)as; ¼bEnßm 4,662 33,420 18, , FñÚ ,082 33, , ,425 22> edimtunnigtunbmrug edimtun cmnynsrubpakh untamggs;mancmnyn 50/000 lanerol edaymantmélcarit 100 Ban;erolkñúgmYyPaKh un. kare)ahpsaypakh untamggs; KWCaPaKh unfmμta EdlRtUv)anbg;y:ageBjelj % m as;pakh un KitCaBan;erol % m as;pakh un KitCaBan;erol esckþilmgiténpakh un enaéf TI 31 FñÚ 2006 manducteta³ FnaKarkaNaDIy:a 46% 23,000,000 46% 23,000,000 ING Holding Company Ltd. 44% 22,000,000 44% 22,000,000 RksYgesdækic nighirbaøvtßú 10% 5,000,000 10% 5,000,000 srubedimtunedl)anttyl 100% 50,000, % 50,000,000 esiμnigduløargaemrik 12,159,533 12,159,533 esiμnigr)ak;erol erbinuvgrtabþúrcugqñam 49,331,225 50,000,000 FnaKar)anrkSanUvedImTunEdl)anbg;cMrHrbs;xøÜnnUvcMnYn 50/000/000Ban;erolRsbeTAnigtMrUvkarrbs;FnaKarCati énkm<úca eliedimtun Gb,rmatamRbkaselx F Rbk. kñúgqñam 2005 FnaKar)anbþÚrrUbiybNѽeKalrbs;xøÜnBIR)ak;erolmkR)ak;duløarvij kmnt; smkal; 2-2 k. CalTæplénkarpøas;bþÚrrUbiybNѽeKalenH FnaKar)anbþÚredImTunBIR)ak;erolmkR)ak;duløarGaemrikvij cmnyn 50/000/000 Ban;erol etacar)ak;duløargaemrik edayykgrtabþúrkñúgéf bþúrenh 1dulaørGaemrikesμInwg 4/112. bmerbmryledlbnaþlmkbi karpøas;bþúrenhrtuv)anttylsáal;enakñúgr)aykarn_cmnul > RTBüGkmμepSg² bgárkarr)ak;rtuvsg 937, ,684 3,802,833 2,683,837 RTBüGkmμCamUlniFiesaFnivtþn_ 234, , , ,557 sarebibn kat;tuk 69,777 61, , ,239 RTBüGkmμepSg² 44,378 98, , ,961 srub 1,286, ,684 5,217,420 4,069,594 esckþilmgiténclnrtbügkmμmulnifiesafnivtþn_enh manducxagerkam ³ smtulünaéf TI 1 mkra 176, , , ,347 vismpabénkarbþúrr)ak; 1,517 (2,763) (3,563) - bukbenßmkñúgqñam³ karpþl;edaybukálik 5 27,322 17, ,845 73,743 karpþl;edayfnakar 5 27,322 17, ,845 73,743 karr)ak; 13,470 18,530 54,648 76,194 karpþl;r)ak;culnivtþn_etaegaybukálik (11,800) (8,628) (47,872) (35,474) smtulüéf TI 31 FñÚ 234, , , , edimtunbmrug 247, ,529 1,004,225 1,017,841 TunbMrugTuksMrab;haniP½yFnaKar 1,190,006 1,190,006 4,827,854 4,893,306 TunbMrugkarbþÚrR)ak; 3,504,660 3,504,660 14,218,406 14,411,160 TunbMrugTUeTA 174, , , ,335 srub 5,116,887 5,116,887 20,759,210 21,040,642 mulfnbmrug edimtunbmrug edimtunbmrugtmnagegaymulnifiedlekbgártuksmrab;karbegiánmulfnnaéf GnaKt. edimtunbmrugrtuv)anekepþrbir)ak;cmenjsut erkaybg;bn EdlmanGRta 10. karepþrr)ak;cmenjculetakñúgedimtunbmrug nigelgmanetotehiy edayeyagetatamlkçnþik³fμirbs;fnakar. TunbMrugTuksMrab;haniP½yFnaKar TunbMrugTuksMrab;haniP½yFnaKarKWRtUv)aneKbegIáteLIgCadMbUg edayep kelidmenahrsaymyyrbs;rkumrbwksapi)alenaéf TI 19 mifuna KNnIenHbgaðjBIkarbegIáteLIgnUveKalbMNgrkSaTukTunbMrugTUeTA edim,irkb;rkghanip½ysmrab;kic Rbtibtiþkarrbs;FnaKarenAkñúg RbeTskm<úCa. CaBiesshaniP½yTUeTAelI\NTanxatbg;Edlmin)anRKbdNþb;edaysMviFanFn efvicmebahsmrab;\ntangarkk; nigsgs½y nighanip½yrubiyb½nñ.

21 kmnt;smkal;cmebahr)aykarn_hirbaøvtßú t TunbMrugkarbþÚrR)ak; KNnITunbMrugkarbþÚrR)ak;cMeNjxat minmantmélbitcmebahkarbþúrrubiyb½nñbretskalbiqñamknøgeta EdlekIteLIgBIkarbþÚrR)ak;énRTBüskmμ niggkmμ CarUbiyb½NÑbreTsrbs;FnaKar EdlRtUv)anTTYlsaÁl;CaelIkdMbUg b bnþúkcmebahr)aykarn_cmnul ehiynigdktukkñúgknnibmrug enh enaebledlmankarebgeckr)ak;cmenjrksatuk. rubiyb½nñekalrbs;fnakarrtuv)anpøas;bþúrbikm<úcaerol etacadulaørgaemrikenakñúg qñam 2005 kmnt;smkal; 2>2k nigcmenj b xat BIkarbþÚrR)ak;rUbiyb½NÑ EdleRkABIdulaørshrdæGaemrik RtUv)anTTYlsaÁl;Pøam kñúgr)aykarn_cmnul kmnt;smkal; 2>2 x. karbþúrr)ak;cmenj b xat nwgminrtuv)anrksatukenakñúgknnibmrugetoteliy. TunbMrugTUeTA TunbMrugTUeTA RtUv)aneKdkTukBIR)ak;cMeNjeRkaybg;Bn EdlmancMnYnesIμnwg 6 énr)ak;cmenjsut erkaybg;bn erkayebldkecjén TunbMrugmUlFn. ehiyrkumrbwksapi)al )anefviesckiþsmerccmebahkarerbir)as; ehiynigkarefrksaéntunbmrugtuetaenh. Gnuelamtamlkçniþk³ fiμ cuhéf TI 23 Ex ]spa qñam 2006 rbs;fnakarminmankarebgeckr)ak;cmenj etaegaytunbmrugtuetatetaetoteliy. 23> karsnüa nigyfapab lixit\ntan 7,045,780 6,927,598 28,584,730 28,486,281 lixitfana 3,849,902 2,803,093 15,619,052 11,526,317 kmrit\ntanedl)angnum½tetmintan;erbir)as; 11,242,109 4,629,864 45,609,236 19,038,001 26> sac;r)ak;edl)anerbir)as;kñúgrbtibtiþkar lmhursac;r)ak;)anmkbiskmμpabrbtibtþikar cmenjmunbg;bnæ 2,787, ,456 11,310,267 3,665,667 niy½tkmμsmrab; ³ smvifanfnsmrab;karxatbg;eli\ntan nigbuerrbtan 3,758,652 4,804,267 15,248,852 19,755,146 smvifanfnsmrab;karxatbg;elir)ak; NBC CMBak; 13,955-56,615 - rmls; 148, , , ,816 karxatelikarlk;rtbüskmμrubi ,809 lmhursac;r)ak;)anmkbicmnulrbtibtþikar munerbrbylkñúgmulfnbgvwl 6,708,918 5,819,659 27,218,081 23,930,438 bmerbmrylkñúgmulfnbgvwl ³ R)ak;]btßmöbuKÁlik nigrkumrbwksapi)al (44,062) (51,628) (178,760) (212,294) karekineligr)ak;\ntan nigbuerrbtanetagtificn (14,642,710) (3,681,297) (59,405,474) (15,137,493) karekineligcmnynbnæbüürtuk 4,662-18,914 - karfycuhrtbüskmμepsg² 154,571 1,514, ,095 6,228,816 karekineligr)ak;bebaøæirbs;fnakarepsg² 242,377 (184,666) 983,323 (759,347) karekineligr)ak;bebaøæirbs;gtificn 52,287,766 6,507, ,131,467 26,757,084 mulb½rtrtuvtar karekineligrtbügskmμepsg² 296, ,825 1,202, , ,754-1,199, lmegoggrtabþúrr)ak; (6,307) - (25,587) - 37 srub 22,137,791 14,652,309 89,813,018 60,250,295 sac;r)ak;sut erbikñúgskmμpabrbtibtþikar 45,001,560 10,039, ,571,331 41,283,476 24> sac;r)ak; nigsmmulsac;r)ak; sac;r)ak;kñúgéd 4,564,005 6,215,685 18,516,168 25,558,896 R)ak;beBaØImankalkMNt; nigknnipat;tat;enafnakarcati 82,595,479 37,112, ,089, ,606,131 smtulücamyyfnakarepsg² 40,263,469 21,449, ,348,894 88,200,628 karbnþak;tuncamyyfnakarepsg² 33,078,302 41,461, ,198, ,487,850 karvinieyakcamyyb½nñrtnakar - 3,859,552-15,870,478 srub 160,501, ,098, ,153, ,723,983 25> Rbtibtþikarsm<½n jati enakñúggmlúgcugkariybriecätéfti 31 FñÚ 2006 Rbtibtiþkarsm<½n BaaJtimandUcxageRkam³ R)ak;cMNayRtUvbg;eTAeGayFnaKarCati éføcylkariyal½y - 68, ,438 kmérgacjab½nñfnakar - 17,023-70,000 pþl;\ntanetasm<n½æbajati 1,960,086-7,952,068 - R)ak;EdlcMNayeTAeGayRkumRbwkSaPi)al³ karebgecgr)ak;cmnulsut qñammun - 8,605-35,382 RbCuMRkumRbwkSaPi)al 5,916 23,739 24,001 97,616 lapkarrbs;kn³rkb;rkg 340,419 22,827 1,381,080 93,864 srub 2,306, ,394 9,357, ,300 27> cmenkénb½t man skmμpabsmxan;rbs;fnakar KWpþl;esvakmμFnaKarBaNiC kmμenakñúgrbhracanacrkkm<úca. 28> karrkb;rkghanip½yhirbaøvtßú k> hanip½y\ntan FnaKarTTYlykhaniP½y\NTan EdlédKUminbg;R)ak;eGay )anrkb;cmnynenaebledlekcmbak;. smvifanfnrtuv)anbegi átelig smrab;karxatbg;edl)anekitelignakalbriecättaragtulükar. FnaKar)ankMNt;kMritrbs;\NTanEdlCa\NTansMxan; nigrtuv sgrtlb;mkvijtamggs;tamkalvsankalbriecät. karttylyk\ntan KWRtUv)ancat;Ecgtamry³karviPaKFmμta tamlt PaBrbs;GñkxI R)ak; ehiynigskþanublgñkxi R)ak;edIm,I TTYl)ankarR)ak;nigkarsgR)ak;mUlFn. karttylykhanip½y \NTan KWRtUv)ancat;EcgeTAtamEpñkpgEdr edaykarttyl ykkarfanar:ab;rgbukál nigrtbüsm,tiþ. x> hanip½ytipsar hanip½ytipsarekiteligbisßanpabgrtakarr)ak; nigrubiyb½nñ EdlRtUv)anbeBa jegayetacaclnatipsarcak;lak; nigtipsar TUeTA. 1> hanip½ykarbþúrrubiyb½nñbrets hanip½ykarbþúrrubiyb½nñbrets smedaetaeliclnagrta bþúrr)ak;elisßanpabbþúrrubiyb½nñbrets BIeBlevlamYyeTA myy. FnaKar)anerobcMkMNt;elIkMritrUbiyb½NÑEdl)an RtYtBinitüCaerogral;Ex. taragkñúgkmnt;smkal; 29 siþbiesckiþsegçbr)aykarn_ hirbaøvtßúcmebahhanip½yrubiyb½nñbretsrbs;fnakarnakal briecät 31 Ex FñÚ qñam 2006 Edl)anrab;bBa ÚlRTBüskmμ niggkmμrbs;fnakartamcmnyn nigrbeptrubiyb½nñ. 2> hanip½ygrtakarr)ak; hanip½ylmhursac;r)ak;grtakarr)ak; KWCahaniP½ylMhUr sac;r)ak;gnaktén]bkrn_hirbaøvtßú BIeRBaHEtkarpøas;bþÚr GRtakarR)ak;enAkñúgTIpSar. karkmnt;karr)ak;gacekinelig EdlCalT plénkarpøas;bþúr k¾b:uenþgackat;bnßyb begiát eligr)ak;xatenakñúg RBwtþikarN_EdlekIteLIgminCak;lak;. kñúgtaragkmnt;smkal;29 siþbiesckiþsegçbr)aykarn_ hirbaøvtßúcmebahhanip½yrubiyb½nñbretsrbs;fnakar na kalbriecät 31 Ex FñÚ qñam 2006 Edl)anrab;bBa ÚlRTBü skmμ niggkmμrbs;fnakartamcmnyn nigrbeptrubiyb½nñ. K> hanip½ysac;r)ak;gayrsyl hanip½ysac;r)ak;gayrsyl KWmann½yCahaniP½ymYyenAeBl Edlkalvsanrbs;RTBüskmμ niggkmμmin)anrab;bba ÚlKña. FnaKar )anrtytbinitürbcamex nuvkarvipakcenøahkalvsan. karvipakrtbüskmμ niggkmμénmuldæanfnakarsiþbiry³ebl taragtulükar EdlenAsl;cMeBaHkalvsanRtUv)anpþl;eGay enakñúg kmnt;smkal; 30 énr)aykarn_hirbaøvtßúenh.

22 kmnt;smkal;cmebahr)aykarn_hirbaøvtßú t 29> karvipakrubiyb½nñ US$ Riel GBP CHF JPY AUD EUR epsg² srub srub duløargaemrik duløargaemrik duløargaemrik duløargaemrik duløargaemrik duløargaemrik duløargaemrik duløargaemrik duløargaemrik Ban;erol* 31 FñÚ 2006 RTBüskmμ sac;r)ak;kñúgéd 3,955, , ,564,005 18,516,168 smtulüena NBC sut 94,211,406 3,116, ,327, ,859,359 smtulücamyyfnakardét 37,381, ,464 80,752 (98,385) 119,249 2,561, ,263, ,348,894 karbnþak;tuncamyyfnakardét 33,078, ,078, ,198,671 karvinieyakcamyymulb½rtrdæapi)al nigb½nñrtnakar \NTannigbuerRbTaneTAGtifiCn 42,308, , ,411, ,061,841 RTBüsm,tþi nigsmpar³ 27, , ,615 1,377,818 EpñkTn;kuMBüÚT½r - 59, , ,848 RTBüskmμepSg² 720,108 67, , ,084 3,262,168 srubrtbüskmμ 211,681,812 4,268, ,464 80,752 (98,385) 119,249 2,577, ,848, ,867,767 RTBüGkmμ R)ak;beBaIØrbs;FnaKarepSg² 917,189 57, ,160 3,956,224 R)ak;beBaIØrbs;GtifiCnminEmnFnaKar 167,560,107 27,411,272 1,378 1,422-96,275 90,667 22, ,183, ,858,425 smvifanfnsmrab;bn - 384, ,990 1,561,904 Bn BüÜrTuk - 38, , ,499 RTBüGkmμepSg² 1,143, , ,286,029 5,217,420 srubrtbügkmμ 169,620,905 27,934,735 1,378 1,422-96,275 90,667 22, ,867, ,748,472 sßanpabtaragtulükarsut 42,060,907 (23,666,430) 217,086 79,330 (98,385) 22,974 2,487,318 (21,953) 21,080,847 85,119,295 éf TI 31 Ex FñÚ 2005 srubrtbüskmμ 143,206,685 19,153, ,995 5,900 17,901 37, , ,504, ,331,317 srubrtbügkmμ 119,669,009 24,920,264 3,946 1,296-88,927 26,365 26, ,736, ,157,301 sßanpabtaragtulükarsut 23,537,676 (5,766,851) 126,049 4,604 17,901 (51,775) 927,140 (26,744) 18,768,000 77,174, minman 30 kalvsanénrtbüskmμ nigrtbügkmμ ticcag1ex BI1ExeTA3Ex BI3ExeTA1qñaM BI1qñaMeTA3qñaM BI3qñaMeTA5qñaM kalkmnt; srub srub duløargaemrik duløargaemrik duløargaemrik duløargaemrik duløargaemrik duløargaemrik duløargaemrik Ban;erol* kariybriecät 31 FñÚ 2006 RTBüskmμ sac;r)ak;kñúgéd 4,564, ,564,005 18,516,168 smtulüena NBC sut 72,595,479 10,000, ,732,438 97,327, ,859,359 smtulücamyyfnakardét 40,263, ,263, ,348,894 karbnþak;tuncamyyfnakardét 33,078, ,078, ,198,671 karvinieyakmulb½rtrdæapi)al nigb½nñrtnakar \NTan nigbuerrbtangtificnsut 1,374,795 6,308,655 11,411,140 19,926,530 3,359,079 30,903 42,411, ,061,841 RTBüsm,tþi nigsmpar³brikça , , ,615 1,377,818 EpñkTn;kuMBüÚT½r - 59, , ,848 RTBüskmμepSg²suT 462,442 30, ,393 22,798-45, ,084 3,262,168 srubrtbüskmμ 152,338,492 16,399,459 11,653,533 20,002,451 3,359,079 15,095, ,848, ,867,767 RTBüGkmμ R)ak;beBaIØrbs;FnaKardéT 975, ,160 3,956,224 R)ak;beBaØIGtifiCnminEmnFnaKar 144,774,034 18,760,034 29,571,656 20,000-2,057, ,183, ,858,425 smvifanfnbn RtUvbg; - 384, ,990 1,561,904 Bn BüÜrTuk ,082 38, ,499 RTBüGkmμepSg² 403, , , ,764 1,286,029 5,217,420 srubrtbügkmμ 146,152,777 19,436,409 29,886,953 20,000-2,371, ,867, ,748,472 cenøahsac;r)ak;gayrsylsut 6,185,715 (3,036,950) (18,233,420) 19,982,451 3,359,079 12,723,972 20,980,847 85,119,295 kariybriecät 31 FñÚ 2005 srubrtbüskmμ 120,726,822 2,451,095 14,648,846 21,915, ,543 3,407, ,504, ,331,317 srubrtbügkmμ 108,238,244 10,871,130 25,451, , ,736, ,157,301 cenøahsac;r)ak;gayrsylsut 12,488,578 (8,420,035) (10,802,776) 21,915, ,543 3,231,663 18,768,000 77,174,016

23 kmnt;smkal;cmebahr)aykarn_hirbaøvtßú t Standard settlement instructions (SSI) 31> hanip½ygrtakarr)ak; ticcag1ex BI1ExeTA3Ex BI3ExeTA1qñaM BI1qñaMeTA3qñaM BI3qñaMeTA5qñaM minmankarr)ak; srub srub duløargaemrik duløargaemrik duløargaemrik duløargaemrik duløargaemrik duløargaemrik duløargaemrik Ban;erol* éf TI 31 Ex FñÚ 2006 RTBüskmμ sac;r)ak;kñúgéd ,564,005 4,564,005 18,516,168 smtulüena NBC 65,500,000 10,000, ,232,438 20,595,479 97,327, ,859,359 smtulücamyyfnakarepsg² 39,699, ,044 40,263, ,348,894 karbnþak;tun enafnakarepsg² 33,078, ,078, ,198,671 karvinieyakcamyymulb½rtrdæapi)alnigb½nñrtnakar \NTan nigbuerrbtancmebahgtificnsut 1,374,795 6,308,655 11,411,140 19,926,531 3,389,981-42,411, ,061,841 RTBüsm,tiþ nigsmpar³ , ,615 1,377,818 EpñkTn;kuMBüÚT½r ,859 59, ,848 RTBüskmμepSg² , ,084 3,262,168 srubrtbüskmμ 139,652,522 16,308,655 11,411,140 19,926,531 4,622,419 26,927, ,848, ,867,767 RTBüGkmμ R)ak;beBaIØrbs;FnaKarepSg² , ,160 3,956,224 R)ak;beBaØIGtifiCnminEmnFnaKar 73,212,012 17,942,727 29,247, ,781, ,183, ,858,425 Bn RtUvbg; , ,990 1,561,904 Bn BüÜrTuk ,082 38, ,499 RTBüGkmμepSg² ,522 1,051,507 1,286,029 5,217,420 srubrtbügkmμ 73,212,012 17,942,727 29,247, ,522 77,230, ,867, ,748,472 Kmøatsac;R)ak;gayRsYlsuT 66,440,510 (1,634,072) (17,836,198) 19,926,531 4,387,897 (50,303,821) 20,980,847 85,119,295 éf TI 31 Ex FñÚ 2005 RTBüskmμ sac;r)ak;kñúgéd ,215,685 6,215,685 25,558,895 smtulüena NBC sut 25,100,000-9,500,000-1,215,953 12,024,435 47,840, ,719,676 smtulücamyyfnakarepsg² ,449,570 21,449,570 88,200,628 karbnþak;tun enafnakarepsg² 41,461, ,461, ,487,852 karvinieyakcamyymulb½rtrdæapi)alnigb½nñrtnakar 12,619, , ,587,178 55,870,477 \NTan nigbuerrbtancmebahgtificnsut 573,297 1,285,420 5,097,030 21,851,454 2,042,744-30,849, ,854,972 RTBüsm,tiþnigsMPar³ , ,582 1,166,091 EpñkTn;kuMBüÚT½r , , ,505 RTBüskmμepSg² ,635,754 1,635,754 6,726,221 srubrtbüskmμ 79,754,043 2,252,905 14,597,030 21,851,454 3,258,697 41,790, ,504, ,331,317 RTBüGkmμ R)ak;beBaIØrbs;FnaKarepSg² , ,783 3,013,202 R)ak;beBaØIGtifiCnminEmnFnaKar 57,773,125 10,460,812 25,173, ,488, ,895, ,586,196 Bn RtUvbg; ,332 85, ,884 RTBüGkmμepSg² ,023,107 1,023,107 4,207,019 srubrtbügkmμ 57,773,125 10,460,812 25,173, ,329, ,736, ,157,301 Kmøatsac;R)ak;gayRsYlsuT 21,980,918 (8,207,907) (10,576,158) 21,851,454 3,258,697 (9,539,004) 18,768,000 77,174,016 Country of correspondents Name and address of bank Currency AUSTRALIA Commonwealth Bank of Australia AUD Sydney, NSW 2001, Australia Swift code: CTBAAU2S BELGIUM ING Belgium SA/NV EUR (Formerly Banque Bruxelles Lambert) Avenue Marnixlaan 24, B-1000, Brussels, Belgium Swift code: BBRUBEBB010 ENGLAND HSBC Bank PLC GBP / USD (Formerly Midland Bank PLC) Poultry St., London EC2P 2BX, UK Swift code: MIDLGB22 ENGLAND Standard Chartered Bank GBP Clements House, Clements Lane, London EC4N 7AP, UK Swift code: SCBLGB2L FRANCE Natexis Banques Populaires USD / EUR 40 45, Rue Saint Dominique, 75007, Paris, France 41 Swift code: CCBPFRPPPAR FRANCE BNP Paribas EUR 16, Bld. des Italiens, Paris, France Swift code: BNPAFRPP FRANCE Société Générale EUR 29, Bld. Haussmann, Paris, RCS , France Swift code: SOGEFRPP FRANCE Eurobank EUR Bld. Haussmann, Paris, France Swift code: EUROFRPP FRANCE Crédit Agricole S.A. EUR 91-93, Bld. Pasteur, Paris, France Swift code: AGRIFRPP GERMANY Deutsche Bank AG EUR Frankfurt, Germany Swift code: DEUTDEFF GERMANY Dresdner Bank AG EUR Roßmark 14, Frankfurt Am Main, Germany Swift code: DRESDEFF JAPAN Bank of Tokyo Mitsubishi USD / JPY 3-2 Nihonbashi, P.O. Box no. 191, Tokyo , Japan Swift code: BOTKJPJT SWITZERLAND Credit Suisse Group CHF Paradeplatz 8, 8070 Zurich, Switzerland Swift code: CRESCHZZ80A

24 Standard settlement instructions (SSI) SINGAPORE Standard Chartered Bank Singapore USD 6 Battery Road, Branch , Singapore Swift code: SCBLSGSG SINGAPORE Natexis Banques Populaires Singapore USD 50 Raffles Place, #41-01 Land Tower, Singapore Swift code: BFCESGSG THAILAND Bangkok Bank PLC USD 333 Silom Road, Bangkok 10500, Thailand Swift code: BKKBTHBK USA Standard Chartered Bank USD 1 Madison Avenue, New York, NY 10010, USA Swift code: SCBLUS33 USA JP Morgan Chase Bank New York USD Church Street Station, P.O. Box 932, New York, NY , USA Swift code: CHASUS33 42 USA HSBC BANK USA N.A. USD 452, Fifth Avenue, New York, NY Swift code: MRMDUS33 USA Wachovia Bank, N.A. USD NY International Branch 11 Penn Plaza, 4th Floor, New York, NY 10001, USA Swift code: PNBPUS3NNYC USA Citibank N.A. USD 1 Penns Way, Newcastle, DE 19720, USA Swift code: CITIUS33 VIETNAM Bank for Foreign Trade of Vietnam USD 198 Tran Quang Khai, Hanoi, Vietnam Swift code: BFTVVNVX