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HBL 28 Annual Report 2076-077 Final.Pdf k'l:tsfdf ;dflji6 ;fdu|Lx? (Content) ;fwf/0f ;ef ;DaGwL ;fdfGo hfgsf/L 2 c¶fO;f}+ jflif{s ;fwf/0f ;ef a:g] ldlt, ;do / :yfg tyf 5nkmnsf] nflu ljifo;"rL 3 k|aGw kq tyf lgodfjnLdf k|:tfljt ;+zf]wg ;DaGwL ljz]if k|:tfjsf] ljj/0f 4 lel8of] sGk|m]G;dfk{mt pkl:ylt kmf/fd 7 c¶fO;f}+ jflif{s ;fwf/0f ;efsf nflu ;+rfns ;ldltsf] k|ltj]bg 9 sDkgL P]g @)^# sf] bkmf !)( pkbkmf $ cg';f/sf] cltl/Qm ljj/0f 15 lwtf]kq btf{ tyf lgisfzg lgodfjnL @)&# sf] cg';"rL!% 18 -lgod @^ sf] pklgod -@_ ;+u ;DalGwt_ HBL's History, Vision, Mission, Objective 19 Board of Directors 20 Message from the Chairman 21 From the desk of CEO 22 Senior Management Team 23 Organisational Chart 24 Report of the Board of Directors 25 Principal Indicators 30 Key Indicators (Graphical) 31 Independent Auditors' Report 35 Financial Statements 41 10 Year's Financial Summary 111 g]kfn /fi6« a}+sn] lbPsf] lgb]{zg 113 CSR Activities 114 Branch Network 118 c¶fO;f}+ jflif{s ;fwf/0f ;ef;DaGwL ;fdfGo hfgsf/L != ;du| ljZjdf km}lnPsf] sf]/f]gf efO/;sf] (COVID-19) dxfdf/L g]kfndf ;d]t km}lnPsf] tyf ;f] dxfdf/Lsf] pRr hf]lvdsf sf/0f g]kfn ;/sf/af6 pQm dxfdf/L /f]syfd tyf lgoGq0fsf nflu ljleGg ;dodf hf/L ePsf] :jf:Yo ;DaGwL dfkb08x?sf] k"0f{?kdf kfngf ug{ u/fpg ;"lrt ul//x]sf] kl/k|]Ifdf a}+sn] ;fwf/0f ;ef ubf{ ljz]if :jf:Yo ;'/Iff dfkb08 kfngf ug'{kg]{ ePsf]n] ;fwf/0f ;ef ljB'tLo dfWod÷lel8of] sGk|]mG; (Online Meeting) dfkm{t ul/g] tyf ;efdf efu lng ;lsg] Joj:yf ldnfOPsf] x'Fbf z]o/wgL dxfg'efjx?nfO{ ljB'tLo dfWod÷lel8of ] sGkmG;sf]| ] dfWodaf6 ;efdf efu lnO { sf/f] gf] efO/; (COVID-19) dxfdf/Lsf ] hflvdaf6] aRg tyf arfpg ;fb/ cg'/f]w 5 . @= ;fwf/0f ;efdf lel8of] sGk|]mG; (Online Meeting) dfkm{t pkl:yt x'g rfxg] z]o/wgL dxfg'efjx?n] ;fwf/0f ;ef ;+rfng x'g' eGbf sDtLdf $* w06f cuf8L cfk\mgf] kl/rokq, l8Dof6 vftf g+ tyf wf/0f u/]sf] z]o/ ;Vof;lxt+ sfgg' tyf zo/] zfvfdf ;Dks { /fVg jf Odn] 7ufgfM] [email protected] df ;f ] laj/0f k7fpg jf assf+} ] ja;fO6df] pknAw kmf/d e/L aemfpg' cg/f' w] 5 . o;/L ;Dks { ug {' xg' ] zo/wgL] dxfgefjnfO' { Meeting Link/Passcode pknAw u/fO{ ;efdf ;xefuL x'g] Joj:yf ldnfO{g] 5 . #= ;ef z'? 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ug{ tyf ufEg], ufleg ] jf k|flKt ug{ cfjZos kg]{ ;Dk"0f{ k|lqmof k'/f ug{ ;+rfns ;ldltnfO{ clVtof/L k|bfg ug]{ . %_ assf+} ] kaGwkq| / lgodfjnLdf ;zf+ wg] ug ]{ ljzif] k:tfj| kfl/t ug {] tyf k:tfljt| ;zf+ wgdf] gkfn] /fi6 « as+} jf cGo lgsfon ] km/abn] u/]df cfjZos ;dfof]hg ug{ ;+rfns ;ldltnfO{ jf ;+rfns ;ldltn] tf]s]sf] kbflwsf/LnfO{ clwsf/ lbg], u_ ljljw, hfgsf/L !_ ldlt @)&& ;fn kf}if dlxgf !$ ut] b]lv @)&& ;fn kf}if dlxgf @& ut] ;Dd z]o/ bflvn vf/]h aGb /xg] s'/f hfgsf/L u/fOG5 . @_ zo/wgL] dxfgefjx?nfO' { assf+} ] zo/wgL] nutdf sfod /xsf] ] 7ufgfdf] jflifs{ kltj| bg,] k:tfljt| kaGwkq| / lgodfjnLsf ] ;zf+ wg] ;lxtsf] ljj/0f k7fOg] 5 . z]o/wgL dxfg'efjx?nfO{ hfgsf/LM -s_ a+sn} ] cfkmgf\ z]o/wgLx?nfO{ Gogtd" dfHbft} ?= %))÷ -kfrF ;o_ df zo/wgL] art vftf vf]Ng] Joj:yf u/]sf ] 5 . To;/L vftf vfNg] ] z]o/wgLx?sf] nfef+z /sd pQm vftfdf hDdf ul/g]5 . -v_ cf=a @)&%÷&^ / ;f ] eGbf cufl8sf ] nfefz+ tyf afg;] zo/] glng ' ePsf zo/wgLx?n] ] lxdfnog Soflk6n ln= 7dnaf6] lng ' xg' cg/f' w] 5 . ;+rfns ;ldltsf] cf1fn] lalkg xf8f -sDkgL ;lrj_ 28th Annual Report 3 cg';"rL lxdfnog a}+s lnld6]8sf] c¶fO;f}+ jflif{s ;fwf/0f ;efdf ljz]if k|:tfjåf/f k|aGwkq tyf lgodfjnLdf ePsf] ;+zf]wg k|aGwkq ;+zf]wgsf] laz]if k|:tfjM ljBdfg Joj:yf k|:tfljt ;+zf]wg ;+zf]wg ug{' kg]{ sf/0f bkmf %= a}+ssf] k"hLsf] ;+/rgfM bkmf %= a}+ssf] k"hLsf] ;+/rgfM -s_ a}+ssf] clws[t k"FhL ?= !@,)),)),)),)))÷ -s_ a}+ssf] clws[t k"FhL ?= !%,)),)),)),)))÷ a}+ssf] laBdfg k"FhL ;+/rgf -cIf/]kL afx| ca{ ?k}ofF_ x'g]5 . pQm k+"lhnfO{ -cIf/]kL kGw| ca{ ?k}ofF_ x'g]5 . pQm k+"lhnfO{ a[l4 ug{sf] nflu ?= !))÷ sf b/n ] !@,)),)),)))÷ -afx | s/f8] ?= !))÷ sf b/n ] !%,)),)),)))÷ -kGw | s/f8] yfg_ ;fwf/0f z]o/df ljefhg ul/Psf] 5 .
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