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

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 7 2 3 4 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

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)23 724 466 / 722 466 / 725 266 TUrsar ³ +855 (0)23 426 108 / 426 410 GuIEml ³ ftb@camnet.com.kh www.ftbbank.com SWIFT: FTCCKHPP 50/000/000/000erol elx16 cuhéf TI04 Exmkra qñam2001 viesafnkmμlkçnþik³enafnakarcatiénkm<úcaenaéf TI14 Exmifuna qñam2006 elx Co 8835 06M cuhéf TI 21 Exmifuna qñam2006

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

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 0 2003 2004 2005 2006 ráykarn_hirbaøvtsúsegçbry ebl4qñam $250,000,000 4 RTBüskmμsrub $200,000,000 5 taragtulükarsegçb duløargaemrik $150,000,000 $100,000,000 2006 2005 2004 2003 RTBüskmμsrub 218/848/353 163/504/698 159/847/090 151/141/959 karpþl;\ntan sut 42/411/102 30/849/945 32/647/783 31/283/789 RTBüskmμepSg² 176/437/251 132/654/753 127/199/307 119/858/170 RTBüGkmμsrub 197/867/506 144/736/698 141/380/099 133/313/156 R)ak;beBaØIGtifiCn 196/158/405 143/628/259 140/204/038 131/862/754 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 2006 2005 2004 2003 cmnulbikarr)ak; sut 6/162/053 3/881/730 3/061/480 994/733 cmenjrbtibtþikarmunefvismvifanfn 6/546/492 3/717/986 3/675/430 2/000/346 cmenjmunbg;bn R)ak;cMeNjeRkayBIbg;Bn 2/787/840 2/256/909 891/456 734/372 1/568/939 1/255/151 875/840 700/672 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 $1,000,000 0 0 2003 2004 2005 2006 segçbráykarn_cmenjxat (duløargaemrik) 2003 2004 2005 2006 RTBüGkmμsrub RTBüsm,tþiPaKTunik R)ak;beBaØIGtifiCn \NTan nigbuerrbtan cmnulbikarr)ak; cmnayelikarr)ak; cmenjsut BIkarR)ak; R)ak;cMeNjkñúgqñaM

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. 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R)ak;cMeNjbnÞab;BI)anbg;Bn rycman cmnynbidgénqñam 2005. 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

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)alqñam2005 8 9 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

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 2002. 2 «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 10 11 3 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 1997. 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

ráykarn_rkumrbwkßapiál 12 13 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. karerbrbylsmxan @enakñúgqñam 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.

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. 14 15 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 7-04-207 katbvkic edimtungb,brma Rbkaselx F 7-00-39 mulnifipþal;sut Rbkaselx F 7-00-47 Gnu)atsaFnPaB Rbkaselx F 7-04-206 cmnat;fñak; nigsmvifanfnelikarxatbg;\ntan nigbuerrbtan Rbkaselx F 700-51 nigkarektmruvtam Rbkaselx F7-02-145 nig saracr elx F7-04-01 GclnRTBü Rbkaselx F 7-01-186 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 2006. 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 2001. 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 @ 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.

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. 16 17 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) 23 218 086 Fax : (855) 23 211 594 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

FnaKarBaNiC kmμerkarbets énkm<úca ráykarn_lt pl smrab;kariybriecätedl)anbba b; 31 FñÚ 2006 cugkariybriecät cugkariybriecät 2006 2005 2006 2005 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 6 205,632 242,597 834,249 997,559 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 15,288,358 18 19 smvifanfnelikarxatbg;\ntan nigbuerrbtan 8 (3,758,652) (2,826,530) (15,248,852) (11,622,691) cmenjsut munbg;bn 2,787,840 891,456 11,310,266 3,665,667 cmnaybn elir)ak;cmnul 9 (530,931) (157,084) (2,153,987) (645,929) cmenjsut kñúgqñam 2,256,909 734,372 9,156,279 3,019,738 FnaKarBaNiC kmμerkarbets énkm<úca taragtulükar smrab;kariybriecätedl)anbba b; 31 FñÚ 2006 cugkariybriecät cugkariybriecät 2006 2005 2006 2005 kmnt;smkal; RTBüskmμ sac;r)ak;kñúgéd 4,564,005 6,215,685 18,516,168 25,558,895 smtulüenafnakarknþal 10 97,327,917 47,840,388 394,859,359 196,719,676 smtulücamyyfnakard¾ét 11 40,263,469 21,449,570 163,348,894 88,200,628 karbnþak;tuncamyyfnakarepsg² 12 33,078,302 41,461,053 134,198,671 170,487,852 karvinieyakcamyysbaøab½nñrdæ nig b½nñrtnakar 13-13,587,178-55,870,477 \NTan nig buerrbtancmebahgtificn 14 42,411,102 30,849,945 172,061,841 126,854,972 RTBüsm,tiþ nig]bkrn_smpar³ 15 339,615 283,582 1,377,818 1,166,091 EpñkTn;kuMBüÚT½r 16 59,859 181,543 242,848 746,505 RTBüskmμepSg² 17 804,084 1,635,754 3,262,168 6,726,221 srubrtbüskmμ 218,848,353 163,504,698 887,867,767 672,331,317 RTBüGkmμ nigmulnifipaktunik RTBüGkmμ R)ak;beBaØIrbs;FnaKarepSg² 18 975,160 732,783 3,956,224 3,013,202 R)ak;beBaØIGtifiCn 19 195,183,245 142,895,479 791,858,425 587,586,196 smvifanfnsmrab;bn RtUvbg; 384,990 85,332 1,561,904 350,884 Bn BüÜrTuk 20 38,082 33,420 154,499 137,425 RTBüGkmμepSg² 21 1,286,029 989,684 5,217,420 4,069,594 srubrtbügkmμ 197,867,506 144,736,698 802,748,472 595,157,301 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 218,848,353 163,504,698 887,867,767 672,331,317 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

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 2005 12,416,191 155,129 1,215,124 3,578,634 125,662 976,251 18,466,991 cmenjsut kñúgqñam - - - - - 734,372 734,372 karebgeckr)ak;cmenjrksatuk³ karepþretatunbmrugsmrab;grtabþúrr)ak; 22 - - - - - - - karepþretamulfnbmrug 22-95,607 - - - (95,607) - TunbMrugTUeTA 22 - - - - 51,628 (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 2005 12,159,533 247,529 1,190,006 3,504,660 174,692 1,491,580 18,768,000 esiμnigban;erol * 50,000,000 1,017,841 4,893,306 14,411,160 718,335 6,133,374 77,174,016 smtulüenaéf TI 1 Ex mkra qñam 2006 12,159,533 247,529 1,190,006 3,504,660 174,692 1,491,580 18,768,000 cmenjsut kñúgqñam - - - - - 2,256,909 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 2006 12,159,533 247,529 1,190,006 3,504,660 174,692 3,704,427 20,980,847 esiμnigban;erol * 49,331,225 1,004,225 4,827,854 14,218,406 708,725 15,028,860 85,119,295 cugkariybriecät cugkariybriecät 2006 2005 2006 2005 kmnt;smkal; lmhursac;r)ak;)anmkbiskmμpabrbtibtþikar sac;r)ak;sut )anmkbi ¼ erbikñúg Rbtibtþikar 26 45,001,560 10,039,756 182,571,331 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 9,723,535 181,633,052 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) 20 21 FnaKarBaNiC kmμerkarbets énkm<úca ráykarn_lmhursacŕák smrab;kariybriecätedl)anbba b; 31 FñÚ 2006 karekineligcasac;r)ak;sutæ nigsmmulsac;r)ak; 50,403,010 9,509,965 204,485,013 39,104,975 lmegoggrtabþúrr)ak; - (2,123,173) - (8,730,487) sac;r)ak; nig smmulsac;r)ak;enaedimrka 110,098,245 102,711,453 446,668,580 422,349,495 sac;r)ak; nig smmulsac;r)ak;enacugrka 24 160,501,255 110,098,245 651,153,593 452,723,983 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

FnaKarBaNiC kmμerkarbets énkm<úca kmnt smkal cmeba¼ráykarn_hirbaøvtsú smrab;kariybriecätedl)anbba b; 31 FñÚ 2006 1 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 2006 2005 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) - 554 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 esckiþsegçbekalneyaáyknenyüsmxan @ 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 0795-139-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) 114 100 duløarkanada (CAD) 3,531 3,533 ey:ncb:un (JPY) 34 34 GURsþalIduløar (AUD) 3,175 3,011 GWr:U (EUR) 5,251 4,871 2 3 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 FnaKarRtUvGnuvtþtamesckIþRbkaselxF7-02-145 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 100 2 7 }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.

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. 2 14 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. 2 15 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. 2 16 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. 24 25 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. 2 10 RTBüskmµGrUbI GaCJab½NÑkuMBüÚT½r Software RtUv)aneKeRbIelImUldæantMéledIm Edl ekitmaneligcmebahepñktn;kumbüút½rcak;lak; EdlnaMmknUvkareRbI R)as;. tméledimtamgenh RtUv)aneKeFVIrMls;sMrab;ry³eBl 5qñaM edayerbir)as;muldæankitrmelahesμipak. 2 11 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. 2 12 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. 2 13 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.

kmnt;smkal;cmebahr)aykarn_hirbaøvtßú t 3>cMNUlkarR)ak; 2006 2005 2006 2005 \NTan nigbuerrbtanetaegaygtificn 4,291,692 3,635,458 17,411,395 14,949,001 b½nñrtnakar 43,412 508,618 176,122 2,091,437 FnaKarkNþal 2,056,391 1,116,308 8,342,778 4,590,258 mulb½rtrdaæpi)al - 267,510-1,100,000 FnaKareRkARbeTs 2,753,435 863,002 11,170,686 3,548,668 srub 9,144,930 6,390,896 37,100,981 26,279,364 4> cmnaykarr)ak; 2006 2005 2006 2005 R)ak;beBaIØmankalkMNt; duløargaemrik 2,073,604 1,479,309 8,412,611 6,082,919 erol 409,319 596,026 1,660,607 2,450,859 R)ak;beBaIØsBa ½y 26 27 duløargaemrik 291,584 276,704 1,182,956 1,137,807 erol 194,900 138,597 790,709 569,911 mulnifiesafnnivtþn_ 13,470 18,530 54,649 76,195 srub 2,982,877 2,509,166 12,101,532 10,317,691 5> cmnulkmérnigecigsar 2006 2005 2006 2005 kmérelikarepþrr)ak; 667,730 490,029 2,708,981 2,014,999 kmérecigsarbidmenirkar\ntan 701,434 298,659 2,845,718 1,228,086 kmérecigsarbilixit\ntannigb½nñfana 218,606 196,659 886,885 808,662 kmér SWIFT 150,723 151,460 611,483 622,804 kmérepsg² 164,274 103,147 666,459 424,140 srub 1,902,767 1,239,954 7,719,526 5,098,691 6>cMNUlepSg² 2006 2005 2006 2005 duløargaemrik duløargaemrik* Ban;erol Ban;erol cmenj¼ xat elikarbþúrr)ak; 167,002 (14,954) 677,527 (61,491) cmenjelikarvaytmél sut - 167,103-687,128 cmnulepsg² 38,630 90,448 156,722 371,922 srub 205,632 242,597 834,249 997,559 7>cMNayTUeTA nigrdæ)al 2006 2005 2006 2005 cmnaybukálik 911,641 606,341 3,698,528 2,493,274 éføqñültulakar nigc,ab; 70,433 245,274 285,747 1,008,567 cmnaytmnak;tmng 62,212 71,733 252,394 294,966 rmls; 148,471 123,496 602,346 507,816 cmnayelikarcyl 74,400 74,400 301,841 305,933 cmnaytwk epiøg nigkariyal½y 77,195 72,077 313,180 296,381 cmnaytipsar (Marketing) 55,076 66,051 223,443 271,603 kmérepijcunfnakarknþalelikarepþrpakh un - 59,582-245,001 cmnayfanara:b;rg nigsniþsux 26,300 44,466 106,699 182,844 cmnayrbcumrbs;rkumrbwksapi)al 5,916 23,739 24,001 97,615 éfødwkcba Ún 26,791 22,660 108,691 93,178 CYsCul nigefrksa 23,637 17,120 95,895 70,397 cmnayepsg² 163,930 146,368 665,065 601,864 srub 1,646,002 1,573,307 6,677,830 6,469,438 8> smvifanfnsmrab;karxatbg; \NTannigbuerRbTan 2006 2005 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 1,344,739 544,290 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 526,269 178,291 2,135,073 733,133 skmμpabbn BnüarTuk 4,662 (21,207) 18,914 (87,203) srub 530,931 157,084 2,153,987 645,930 x karpáúrpágcmnaybn elir)ak;cmnul 2006 2005 2006 2005 nigcmenjknenyü duløargaemrik duløargaemrik* Ban;erol Ban;erol cmenjknenyümunbg;bn 2,787,840 891,455 11,310,267 3,665,664 Bn tamgrta 20 557,568 178,291 2,262,053 733,133 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 - 33,420-137,423 cmenjsut )anmkbikarbþúrrubiyb½nñbretsminttylsaál;kñúgqñammun EdlRtUv)anTTYl saál;kñúgqñamenh - (54,627) - (224,626) srubcmnaybn elir)ak;cmnul 530,931 157,084 2,153,987 645,930

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 2006 2005 2006 2005 12> karbnþak;tunenafnakarepsg² 2006 2005 2006 2005 karbnþak;tun Overnight CamYyFnaKarepSg² 5,695,209 23,114,413 23,105,463 95,046,465 karbnþak;tunry³eblxiøcamyy FnaKarepSg² 27,383,093 18,346,640 111,093,208 75,441,387 srub 33,078,302 41,461,053 134,198,671 170,487,852 R)ak;beBaØImankalkMNt; 75,500,000 25,100,000 306,303,500 103,211,200 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 142,484 140,578 578,058 578,057 97,470,401 47,968,917 395,437,417 197,248,187 smvifanfnsmrab;karxatbg;elir)ak;rtuvtarbifnakarknþal (142,484) (128,529) (578,058) (528,511) GRtakarR)ak;RbcaMqñaM)anmkBIkarbNþak;TunCamYynigFnaKarepSg²mansegçbdUcxageRkam³ 2006 2005 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 2006 2005 2006 2005 nigb½nñrtnakar mulb½rtrdæapi)al - 9,727,626-40,000,000 b½nñrtnakar - 3,859,552-15,870,477 srub 97,327,917 47,840,388 394,859,359 196,719,676 srub - 13,587,178-55,870,477 28 29 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 700-04 FnaKarRtUvtMkl;TwkR)ak;beBaØItamc,ab; enafnakarcatiesμinwg 5>000>000Ban;erol EdltMNageGay 10 énedimtuncuhbba I. GnuelamtamRbkasrbs;FnaKar énkm<úca elx F-701-136-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 2006. GRtakarR)ak;RbcaMqaMñelIsmtulüCamYyFnaKarkNþal RtUv)ansegçbdUcxageRkam³ 2006 2005 R)ak;beBaIØry³eBlxIø 3.33% - 4.06% 1.80% - 3.28% R)ak;beBaIØbMrugkatBVkic 0% 0% KNnIcrnþ 0% 0% R)ak;beBaIØtamc,ab; 1.04% - 1.39% 1.04% - 1.39% 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 2005. 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 2006 2005 2006 2005 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 21,591,622 137,538,244 88,784,750 \NTaneRbIR)as;³ \NTanÉktþCn 10,000 30,000 40,570 123,360 49,656,717 33,743,724 201,457,300 138,754,193 11> smtulücamyyfnakarepsg² smtulücamyyfnakarepsg² CaKNnIcrnþCamYyFnaKard¾éT enaerkarbetskm<úca. KNnIcrnþenH )anttylkarr)ak;tamgrtarbcamqñam cab;bi 1>3 etadl; 2>0 enakñúgqñam 2006 2005³ 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 30,849,945 172,061,841 126,854,972 ral;\ntanmankalkmnt;tamggs;rtuv)anekpþl;egaycncatikm< úca.

kmnt;smkal;cmebahr)aykarn_hirbaøvtßú t 2006 2005 2006 2005 x> karvipaktamrbept]ssahkmμ esvakmμ 40,288,755 22,519,230 163,451,481 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 2,682,811 479,261 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 113,074 137,315 458,739 564,638 49,656,717 33,743,724 201,457,300 138,754,193 2006 2005 2006 2005 K> karvipaktamkarfana mankarfana 49,656,717 33,743,724 201,457,300 138,754,193 BuMmankarFana - - - - 15> RTBüsm,tiþ nig]bkrn_smpar³ diføi GaKar sgðarwm nigsmpar³ yanynþ srub duløargaemrik duløargaemrik duløargaemrik duløargaemrik duløargaemrik 1 mkra 2005 tméledim 224,434 64,192 328,380 53,339 670,345 rmls;bgár - - (280,113) (53,339) (333,452) cmnyncuhbbai sut 224,434 64,192 48,267-336,893 cugkariybriecät 31 FñÚ 2005 cmnyncuhbbai sut edimrka 224,434 64,192 48,267-336,893 lmegogkarbþúrr)ak; (4,639) (1,326) 3,605 - (2,360) TijbEnßm - - 17,194-17,194 lk;ecj - - (440) - (440) rmls;bnþúk - - (67,705) - (67,705) cmnyncuhbbai sut cugrka 219,795 62,866 921-283,582 31 FñÚ 2005 49,656,717 33,743,724 201,457,300 138,754,193 30 tméledim 219,795 62,866 329,479 52,236 664,376 31 2006 2005 2006 2005 X> karvipaktamcmnat;fñak; btdæan 39,044,714 24,889,702 158,404,404 102,346,454 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 33,743,724 201,457,300 138,754,193 g> smvifanfnsmrab;karxatbg; 2006 2005 2006 2005 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 - 177,521-729,973 7,245,615 2,893,779 29,395,459 11,899,221 c> GRtakarR)ak; \NTannigbuerRbTaneTAeGayGtifiCnTaMgenH TTYl)ankarR)ak;tamGRtaRbcaMqñaMmandUcxag erkam ³ 2006 2005 \NTan nigbuerrbtancar)ak;erol 10.0% - 14.4% 10.4% - 16.8% \NTan nigbuerrbtancar)ak;duløargaemrik 10.0% - 18.0% 10.0% - 36.0% rmls;bgár - - (328,558) (52,236) (380,794) cmnyncuhbbai sut 219,795 62,866 921-283,582 esiμnigban;erol * 903,797 258,503 3,791-1,166,091 cugkariybriecät 31 FñÚ 2006 cmnyncuhbbai sut edimrka 219,795 62,866 921-283,582 vismpabénkarbþúrr)ak; 2,980 852 13-3,845 TijbEnßm - - 49,903 26,610 76,513 rmls;bnþúk - - (21,629) (2,696) (24,325) cmnyncuhbbai sut cugrka 222,775 63,718 29,208 23,914 339,615 31 FñÚ 2006 tméledim 222,775 63,718 309,570 79,553 675,616 rmls;bgár - - (280,362) (55,639) (336,001) cmnyncuhbbai sut 222,775 63,718 29,208 23,914 339,615 esiμnigban;erol * 903,798 258,504 118,497 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

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 2006 2005 2006 2005 R)ak;beBaIØBIFnaKarnivasCn 429,835 380,312 1,743,841 1,563,844 R)ak;beBaIØBIFnaKarGnivasCn 545,325 352,471 2,212,383 1,449,358 srub 975,160 732,783 3,956,224 3,013,202 R)ak;beBaIØTaMgenHminmancMNUlkarR)ak;eT 19> R)ak;beBaØIGtifiCn 2006 2005 2006 2005 k> karvipaktamrbeptr)ak;bebaøi R)ak;beBaØIcrnþ 71,143,636 46,586,593 288,629,731 191,564,070 R)ak;beBaØIsBa ½y 58,577,066 49,746,807 237,647,157 204,558,870 R)ak;beBaØImankalkMNt; 61,825,012 43,660,172 250,824,074 179,530,627 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 195,183,245 142,895,479 791,858,425 587,586,196 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. 32 33 éf TI 31 FñÚ 2006 tméledim 345,368 rmls;bgár (285,509) cmnyncuhbbai sut 59,859 esiμnigban;erol * 242,848 17> RTBüskmμepSg² 2006 2005 2006 2005 smtulümulb,tanb½rtbrets mulb,tanb½rtetscrn_ nigb½nñ\ntanefvieblanic ½y kmbugbba Ún 6,851 763,161 27,795 3,138,120 enakñúgéd 159,761 51,377 648,150 211,262 cmnulkarr)ak;bgár 742,075 663,126 3,010,597 2,726,774 buerrbtan 263,631 158,090 1,069,552 650,065 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 6,726,221 2006 2005 2006 2005 x> karvipaktamrbeptgtificn ÉktþCn 86,853,248 67,823,800 352,363,627 278,891,467 Rkumh unékcn nigggákarerkardæapi)al 62,179,900 41,684,633 252,263,853 171,407,211 Rkumh unrdæ 46,150,097 33,387,043 187,230,945 137,287,518 srub 195,183,245 142,895,476 791,858,425 587,586,196 2006 2005 2006 2005 K> karvipaktamsßanpabnivascn nivascn 193,456,898 140,594,649 784,854,635 578,125,196 GnivasCn 1,726,347 2,300,827 7,003,790 9,461,000 srub 195,183,245 142,895,476 791,858,425 587,586,196 2006 2005 2006 2005 X> karvipaktamtmnak;tmng PaKIxageRkA 194,832,610 142,712,595 790,435,899 586,834,189 bukálik 350,635 182,881 1,422,526 752,007 srub 195,183,245` 142,895,476 791,858,425 587,586,196

kmnt;smkal;cmebahr)aykarn_hirbaøvtßú t g> GRtakarR)ak; 2006 2005 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 2006 2005 2006 2005 01 mkra 2006 33,420-135,585 - )anerbir)as; ¼bEnßm 4,662 33,420 18,914 137,425 31 FñÚ 2006 38,082 33,420 154,499 137,425 22> edimtunnigtunbmrug edimtun cmnynsrubpakh untamggs;mancmnyn 50/000 lanerol edaymantmélcarit 100 Ban;erolkñúgmYyPaKh un. kare)ahpsaypakh untamggs; KWCaPaKh unfmμta EdlRtUv)anbg;y:ageBjelj. 2006 2005 % 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% 50,000,000 100% 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 F7-00-39Rbk. 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. 34 35 21> RTBüGkmμepSg² 2006 2005 2006 2005 bgárkarr)ak;rtuvsg 937,351 652,684 3,802,833 2,683,837 RTBüGkmμCamUlniFiesaFnivtþn_ 234,523 176,691 951,460 726,557 sarebibn kat;tuk 69,777 61,341 283,085 252,239 RTBüGkmμepSg² 44,378 98,968 180,042 406,961 srub 1,286,029 989,684 5,217,420 4,069,594 esckþilmgiténclnrtbügkmμmulnifiesafnivtþn_enh 2006 2005 2006 2005 manducxagerkam ³ smtulünaéf TI 1 mkra 176,692 133,684 726,557 538,347 vismpabénkarbþúrr)ak; 1,517 (2,763) (3,563) - bukbenßmkñúgqñam³ karpþl;edaybukálik 5 27,322 17,934 110,845 73,743 karpþl;edayfnakar 5 27,322 17,934 110,845 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 234,523 176,691 951,460 726,553 2006 2005 2006 2005 edimtunbmrug 247,529 247,529 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 174,692 174,692 708,725 718,335 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 2000. KNnIenHbgaðjBIkarbegIáteLIgnUveKalbMNgrkSaTukTunbMrugTUeTA edim,irkb;rkghanip½ysmrab;kic Rbtibtiþkarrbs;FnaKarenAkñúg RbeTskm<úCa. CaBiesshaniP½yTUeTAelI\NTanxatbg;Edlmin)anRKbdNþb;edaysMviFanFn efvicmebahsmrab;\ntangarkk; nigsgs½y nighanip½yrubiyb½nñ.

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 2006 2005 2006 2005 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 2006 2005 2006 2005 lmhursac;r)ak;)anmkbiskmμpabrbtibtþikar cmenjmunbg;bnæ 2,787,840 891,456 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; 148,471 123,496 602,347 507,816 karxatelikarlk;rtbüskmμrubi - 440-1,809 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 1,514,790 627,095 6,228,816 karekineligr)ak;bebaøæirbs;fnakarepsg² 242,377 (184,666) 983,323 (759,347) karekineligr)ak;bebaøæirbs;gtificn 52,287,766 6,507,073 212,131,467 26,757,084 mulb½rtrtuvtar karekineligrtbügskmμepsg² 296,345 115,825 1,202,272 476,272-291,754-1,199,696 36 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 10,039,756 182,571,331 41,283,476 24> sac;r)ak; nigsmmulsac;r)ak; 2006 2005 2006 2005 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 37,112,386 335,089,860 152,606,131 smtulücamyyfnakarepsg² 40,263,469 21,449,569 163,348,894 88,200,628 karbnþak;tuncamyyfnakarepsg² 33,078,302 41,461,053 134,198,671 170,487,850 karvinieyakcamyyb½nñrtnakar - 3,859,552-15,870,478 srub 160,501,255 110,098,245 651,153,593 452,723,983 25> Rbtibtþikarsm<½n jati 2006 2005 2006 2005 enakñúggmlúgcugkariybriecätéfti 31 FñÚ 2006 Rbtibtiþkarsm<½n BaaJtimandUcxageRkam³ R)ak;cMNayRtUvbg;eTAeGayFnaKarCati éføcylkariyal½y - 68,200-280,438 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 2,306,421 140,394 9,357,149 577,300 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.

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 3,955,574 608,431 - - - - - - 4,564,005 18,516,168 smtulüena NBC sut 94,211,406 3,116,511 - - - - - - 97,327,917 394,859,359 smtulücamyyfnakardét 37,381,273-218,464 80,752 (98,385) 119,249 2,561,945 171 40,263,469 163,348,894 karbnþak;tuncamyyfnakardét 33,078,302 - - - - - - - 33,078,302 134,198,671 karvinieyakcamyymulb½rtrdæapi)al nigb½nñrtnakar - - - - - - - - - - \NTannigbuerRbTaneTAGtifiCn 42,308,028 103,074 - - - - - - 42,411,102 172,061,841 RTBüsm,tþi nigsmpar³ 27,121 312,494 - - - - - - 339,615 1,377,818 EpñkTn;kuMBüÚT½r - 59,859 - - - - - - 59,859 242,848 RTBüskmμepSg² 720,108 67,936 - - - - 16,040-804,084 3,262,168 srubrtbüskmμ 211,681,812 4,268,305 218,464 80,752 (98,385) 119,249 2,577,985 171 218,848,353 887,867,767 RTBüGkmμ R)ak;beBaIØrbs;FnaKarepSg² 917,189 57,971 - - - - - - 975,160 3,956,224 R)ak;beBaIØrbs;GtifiCnminEmnFnaKar 167,560,107 27,411,272 1,378 1,422-96,275 90,667 22,124 195,183,245 791,858,425 smvifanfnsmrab;bn - 384,990 - - - - - - 384,990 1,561,904 Bn BüÜrTuk - 38,082 - - - - - - 38,082 154,499 RTBüGkmμepSg² 1,143,609 142,420 - - - - - - 1,286,029 5,217,420 srubrtbügkmμ 169,620,905 27,934,735 1,378 1,422-96,275 90,667 22,124 197,867,506 802,748,472 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 19,153,413 129,995 5,900 17,901 37,152 953,505 147 163,504,698 672,331,317 srubrtbügkmμ 119,669,009 24,920,264 3,946 1,296-88,927 26,365 26,891 144,736,698 595,157,301 sßanpabtaragtulükarsut 23,537,676 (5,766,851) 126,049 4,604 17,901 (51,775) 927,140 (26,744) 18,768,000 77,174,016 38 39 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 4,564,005 - - - - - 4,564,005 18,516,168 smtulüena NBC sut 72,595,479 10,000,000 - - - 14,732,438 97,327,917 394,859,359 smtulücamyyfnakardét 40,263,469 - - - - - 40,263,469 163,348,894 karbnþak;tuncamyyfnakardét 33,078,302 - - - - - 33,078,302 134,198,671 karvinieyakmulb½rtrdæapi)al nigb½nñrtnakar - - - - - - - - \NTan nigbuerrbtangtificnsut 1,374,795 6,308,655 11,411,140 19,926,530 3,359,079 30,903 42,411,102 172,061,841 RTBüsm,tþi nigsmpar³brikça - - - 53,123-286,492 339,615 1,377,818 EpñkTn;kuMBüÚT½r - 59,859 - - - - 59,859 242,848 RTBüskmμepSg²suT 462,442 30,945 242,393 22,798-45,506 804,084 3,262,168 srubrtbüskmμ 152,338,492 16,399,459 11,653,533 20,002,451 3,359,079 15,095,339 218,848,353 887,867,767 RTBüGkmμ R)ak;beBaIØrbs;FnaKardéT 975,160 - - - - - 975,160 3,956,224 R)ak;beBaØIGtifiCnminEmnFnaKar 144,774,034 18,760,034 29,571,656 20,000-2,057,521 195,183,245 791,858,425 smvifanfnbn RtUvbg; - 384,990 - - - - 384,990 1,561,904 Bn BüÜrTuk - - - - - 38,082 38,082 154,499 RTBüGkmμepSg² 403,583 291,385 315,297 - - 275,764 1,286,029 5,217,420 srubrtbügkmμ 146,152,777 19,436,409 29,886,953 20,000-2,371,367 197,867,506 802,748,472 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 21,915,027 355,543 3,407,365 163,504,698 672,331,317 srubrtbügkmμ 108,238,244 10,871,130 25,451,622 - - 175,702 144,736,698 595,157,301 cenøahsac;r)ak;gayrsylsut 12,488,578 (8,420,035) (10,802,776) 21,915,027 355,543 3,231,663 18,768,000 77,174,016

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 - - - - - 4,564,005 4,564,005 18,516,168 smtulüena NBC 65,500,000 10,000,000 - - 1,232,438 20,595,479 97,327,917 394,859,359 smtulücamyyfnakarepsg² 39,699,425 - - - - 564,044 40,263,469 163,348,894 karbnþak;tun enafnakarepsg² 33,078,302 - - - - - 33,078,302 134,198,671 karvinieyakcamyymulb½rtrdæapi)alnigb½nñrtnakar - - - - - - - - \NTan nigbuerrbtancmebahgtificnsut 1,374,795 6,308,655 11,411,140 19,926,531 3,389,981-42,411,102 172,061,841 RTBüsm,tiþ nigsmpar³ - - - - - 339,615 339,615 1,377,818 EpñkTn;kuMBüÚT½r - - - - - 59,859 59,859 242,848 RTBüskmμepSg² - - - - - 804,084 804,084 3,262,168 srubrtbüskmμ 139,652,522 16,308,655 11,411,140 19,926,531 4,622,419 26,927,086 218,848,353 887,867,767 RTBüGkmμ R)ak;beBaIØrbs;FnaKarepSg² - - - - - 975,160 975,160 3,956,224 R)ak;beBaØIGtifiCnminEmnFnaKar 73,212,012 17,942,727 29,247,338 - - 74,781,168 195,183,245 791,858,425 Bn RtUvbg; - - - - - 384,990 384,990 1,561,904 Bn BüÜrTuk - - - - - 38,082 38,082 154,499 RTBüGkmμepSg² - - - - 234,522 1,051,507 1,286,029 5,217,420 srubrtbügkmμ 73,212,012 17,942,727 29,247,338-234,522 77,230,907 197,867,506 802,748,472 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 - - - - - 6,215,685 6,215,685 25,558,895 smtulüena NBC sut 25,100,000-9,500,000-1,215,953 12,024,435 47,840,388 196,719,676 smtulücamyyfnakarepsg² - - - - - 21,449,570 21,449,570 88,200,628 karbnþak;tun enafnakarepsg² 41,461,053 - - - - - 41,461,053 170,487,852 karvinieyakcamyymulb½rtrdæapi)alnigb½nñrtnakar 12,619,693 967,485 - - - - 13,587,178 55,870,477 \NTan nigbuerrbtancmebahgtificnsut 573,297 1,285,420 5,097,030 21,851,454 2,042,744-30,849,945 126,854,972 RTBüsm,tiþnigsMPar³ - - - - - 283,582 283,582 1,166,091 EpñkTn;kuMBüÚT½r - - - - - 181,543 181,543 746,505 RTBüskmμepSg² - - - - - 1,635,754 1,635,754 6,726,221 srubrtbüskmμ 79,754,043 2,252,905 14,597,030 21,851,454 3,258,697 41,790,569 163,504,698 672,331,317 RTBüGkmμ R)ak;beBaIØrbs;FnaKarepSg² - - - - - 732,783 732,783 3,013,202 R)ak;beBaØIGtifiCnminEmnFnaKar 57,773,125 10,460,812 25,173,188 - - 49,488,351 142,895,476 587,586,196 Bn RtUvbg; - - - - - 85,332 85,332 350,884 RTBüGkmμepSg² - - - - - 1,023,107 1,023,107 4,207,019 srubrtbügkmμ 57,773,125 10,460,812 25,173,188 - - 51,329,573 144,736,698 595,157,301 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, 27-28 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, 75009 Paris, France Swift code: BNPAFRPP FRANCE Société Générale EUR 29, Bld. Haussmann, 75009 Paris, RCS 552 120 222, France Swift code: SOGEFRPP FRANCE Eurobank EUR 79-81 Bld. Haussmann, 75008 Paris, France Swift code: EUROFRPP FRANCE Crédit Agricole S.A. EUR 91-93, Bld. Pasteur, 75015 Paris, France Swift code: AGRIFRPP GERMANY Deutsche Bank AG EUR 60262 Frankfurt, Germany Swift code: DEUTDEFF GERMANY Dresdner Bank AG EUR Roßmark 14, 60311 Frankfurt Am Main, Germany Swift code: DRESDEFF JAPAN Bank of Tokyo Mitsubishi USD / JPY 3-2 Nihonbashi, P.O. Box no. 191, Tokyo 103-8684, Japan Swift code: BOTKJPJT SWITZERLAND Credit Suisse Group CHF Paradeplatz 8, 8070 Zurich, Switzerland Swift code: CRESCHZZ80A

Standard settlement instructions (SSI) SINGAPORE Standard Chartered Bank Singapore USD 6 Battery Road, Branch 6747 7000, Singapore 049909 Swift code: SCBLSGSG SINGAPORE Natexis Banques Populaires Singapore USD 50 Raffles Place, #41-01 Land Tower, Singapore 048623 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 10008-0932, USA Swift code: CHASUS33 42 USA HSBC BANK USA N.A. USD 452, Fifth Avenue, New York, NY 10018-2706 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