@=
cfkm\gf] ;b:ou|fxssf] :ki6 klxrfg - Know Your Customer) sfod u/L ;f]sf]
ljj/0f /fVg' kg]{M +
!=! ;xsf/L ;+:yfn] s;}nfO{ ;b:o agfpFbf jf u|fxssf] vftf vf]Nbf, shf{
k|jfx ubf{ jf cGo s'g} cfly{s sf/f]jf/ ubf{ cg';l" r ! adf]lhd klxrfg
v'Ng] sfuhft tyf ljj/0f lnO{ ;f]sf] clen]v /fVg' kg]{5 .
!=@ ;xsf/L ;+:yfn] ljBdfg -k'/fgf_ ;b:ou|fxsx?sf] ;DaGwdf plNnlvt
P]g adf]lhd ljj/0fx? eP gePsf] x]/L gePsf] eP pgLx?sf] ljj/0fnfO{
of] lgb]{zg nfu" ePsf ldltn] Ps jif{ leq cBfjlws u/L u/fO{ /fVg'
kg]5
{ .
!=# ;xsf/L ;+:yfn] cfgf] k|To]s sfof{nozfvfdf ;b:ou|fxsn] ;xsf/L
;+:yfdf k]z ug'{ kg]{ ;j} sfuhftx? k|dfl0ft ug{sf] nflu s'g}
sd{rf/LnfO{ tf]sL To:tf sfuhftx? lghaf6 k|dfl0ft u/fO{ /fVg' kg]{5 .
:ki6Ls/0fM ;xsf/L ;+:yf eGgfn] ;xsf/L P]g, @)$* adf]lhd :yflkt eO{
art tyf C0fsf] sf/f]jf/ ug]{ ;xsf/L ;+:yf / art tyf C0fsf] sf/f]jf/ ug]{
ax'p2]ZoLo ;xsf/L ;+:yfnfO{ ;Demg' k5{ .
ljj/0f lbg' kg]{M
lgb]{zg g+= ! adf]lhd ;xsf/L ;+:yfn]] cfjZos ljj/0f dfUbf To:tf] ljj/0f
pknJw u/fpg] bfloTj ;DjlGwt ;b:ou|fxssf] x'g]5 . s'g} sf/0fj; To:tf]
ljj/0f glbg] jf lbg g;Sg] ;b:ou|fxs;Fu ;xsf/L ;+:yfn]] cfkm\ gf] sf/f]jf/ jf
Joj;flos ;DaGw /fVg tTsfn OGsf/ ug{ ;Sg]5 . s'g} sf/0fn] :yflkt ;DjGw
ug{ O{Gsf/ ug{ g;lsg] cj:yf ePdf To:tf ;b:ou|fxs;+usf] sf/f]jf/nfO{
z+sf:kb sf/f]jf/ dfgL ;f]sf] ljj/0f cg';"lr# adf]lhdsf] 9fFrfdf ljQLo
hfgsf/L OsfOdf k]z ug'{ kg]{5 .
#=
$=
%=
%=#
^=
&=
*=
(=
!)=
sfof{Gjog clws[tM
*=! ;xsf/L ;+:yfn]] cfk\mgf] s]Gb|Lo sfof{nodf Joj:yfksLo :t/sf] pRr
kbflwsf/LnfO{ sfof{Gjog clws[t tf]sL lghnfO{ ;DklQ z'l4s/0f -dgL
nfp08l/_ lgaf/0f P]g, ljQLo hfgsf/L OsfOsf] lgb]{zg tyf o;
;DaGwL cGo k|rlnt sfg"g adf]lhdsf] sfo{ ug]{ kmf]sn KjfOG6sf] ?kdf
sfo{ ug]{ u/L lghsf] gfd, 7]ufgf, ;Dks{ gDj/, Od]n nufotsf ljj/0f
ljQLo hfgsf/L OsfO{df k7fpg' kg]5
{ .
*=@ ;xsf/L ;+:yfn]] cfk\ mgf zfvf jf sfof{noaf6 pkbkmf -!_ adf]lhd
tf]lsPsf] sfof{Gjog clws[tnfO{ ljj/0f lbg cfjZostf cg';f/ zfvf jf
sfof{nosf] sd{rf/LnfO{ ;d]t lhDd]jf/L lbg' kg]{5 .
sfof{Gjog clws[tsf] bfloTjM
sfof{Gjog clws[tsf] bfloTj b]xfo adf]lhd x'g]5M
-s_ s;"/ lgoGq0f ug{ ;DklQ z'l4s/0f -dgL nfp08l/_ lgaf/0f P]g,
;f] cGtu{t hf/L ePsf lgod, lgb]{zg, cfb]z, kl/kq tyf ;Da4
cGo sfg"g adf]lhd ;xsf/L ;+:yfnfO{ tf]lsPsf] sfo{x? ug]{,
u/fpg],
-v_ ;DklQ z'l4s/0f -dgL nfp08l/_ lgaf/0f P]g tyf ;f] cGtu{t
hf/L ePsf lgod, lgb]{zg, cfb]z, kl/kq nufotsf sfg"gL
b:tfj]hdf pNn]v eP adf]lhd u|fxssf] klxrfg olsg ug]{,
u/fpg],
-u_ v08 -v_ adf]lhdsf] u|fxssf] klxrfgsf] clen]v b'?:t /fVg],
/fVg nufpg],
-3_ ;Ldf /sd eGbf dflysf] tyf z+sf:kb b]lvPsf sf/f]jf/sf]
clen]v b'?:t /fVg], /
-_ v08 -3_ adf]lhdsf sf/f]jf/sf] ljj/0f tf]lsPsf] ;dodf ljQLo
hfgsf/L OsfO{df k7fpg] .
;xsf/L ;+:yfsf] bfloTjM
!)=! ;xsf/L ;+:yfn] ljQLo hfgsf/L OsfO{nfO{ k|bfg ug]{ ljj/0fsf ;DaGwdf
sfof{Gjog clws[tnfO{ ;j} lsl;dsf ;"rgf k|fKt ug]{ / k|bfg ug{ ;Sg]
clwsf/ ;'lglZrt u/L ;f]sf nflu cfjZos Joj:yf ug'{ kg]{]5 .
!)=@ ;DklQ z'l4s/0f -dgL nfp08l/_ lgaf/0f P]g, lgod jf ;f] cGtu{t hf/L
ePsf lgb]{zg, cfb]z, kl/kq tyf ;Da4 cGo sfg"g adf]lhd ljj/0f tyf
;"rgf k|bfg ug]{ sfo{ ;'/lIft :yfgdf uf]klgotf sfod /xg] u/L ug]{
Joj:yf ldnfpg] lhDd]jf/L ;DalGwt ;xsf/L ;+:yfsf] x'g]5 .
!)=# ;xsf/L ;+:yfdf ;DklQ z'l4s/0f -dgL nfp08l/_ lgjf/0f P]g / ;f]
cGtu{t ag]sf lgod, lgb]{zg, cfb]z jf gLltsf] sfof{Gjog eP gePsf]
s'/fsf] k|To]s tLg dlxgf / cfly{s aif{ ;dfKt ePsf] tLg dlxgfdf
cg'udg u/L To:tf] cg'udgsf] k|ltj]bg ljQLo hfgsf/L OsfO{df k]z
ug]{ lhDd]jf/L ;f] ;+:yf k|d'vsf] x'g]5 / o;;Fu ;DalGwt ;+lIfKt ljj/0f
To:tf] ;+:yf jf sfof{nosf] jflif{s k|ltj]bgdf ;d]t pNn]v ug'{ kg]{5 .
!!= ljj/0f k7fpg] k4ltM
!!=! ;xsf/L ;+:yfn] ljQLo hfgsf/L OsfOnfO{ lbg' kg]{ z+sf:kb sf/f]jf/sf]
;"rgf tyf ljj/0f cg';"rL@ / ;Ldf eGbf a9L /sdsf] sf/f]jf/sf]
;"rgf tyf ljj/0f cg';"rL# adf]lhdsf] 9fFrfdf sfof{Gjog clws[t
dfkm{t k]z ug'{ kg]5
{ .
!!=@ sfof{Gjog clws[tn] z+sf:kb jf cGo sf/f]jf/nfO{ kq jf k\mofS;, O{d]n
h:tf ljB'tLo ;+rf/ dfWodaf6 ljQLo hfgsf/L OsfO{nfO{ k|bfg ug{
;Sg]5 . k\mofS;, O{dn
] h:t f dfWodaf6 hfgsf/L k|bfg ul/Psf] ePdf
tTsfn cGo dfWodaf6 ;f]sf] k'i6L ug'{ kg]{5 .
!!=# ljQLo hfgsf/L OsfO{nfO{ lbOPsf] ljj/0fdf s'g} s'/f 5"6 ePdf jf To:tf]
sf/f]af/ ubf{sf ;dodf ;DalGwt JolQmn] k]z u/]sf] ljj/0f jf hfgsf/L
eGbf km/s ljj/0f jf hfgsf/L kl5 k|fKt ePdf ;DalGwt ;xsf/L
;+:yfn] ;f]sf] hfgsf/L ljQLo hfgsf/L OsfO{nfO{ t'?Gt lbg' kg]{5 .
!@= cfGtl/s lgb]{lzsfM
!@=! ;DklQ ;'l4s/0f -dgL nfp08l/_ lgjf/0f P]g, lgod tyf o; lgb]{zgsf]
cwLgdf /xL ;xsf/L ;+:yfn] ;DklQ z'l4s/0f lgjf/0f ;DaGwdf cfjZos
lgb]{lzsf agfO{ nfu" u/L ;f]sf] k|ltlnkL ;lxtsf] hfgsf/L ljQLo
hfgsf/L OsfO{nfO{ k7fpg' kg]{5 . o:tf] lgb]{lzsfdf cfgf] u|fxssf]
klxrfg ;DaGwL sfo{ljlw, u|fxs :jLsf/ k|lqmof, u|fxssf] kl/ro ug]{
k|lqmof, u|fxssf] sf/f]jf/sf] cg'udg k|lqmof / hf]lvd Joj:yfkg k|lqmof
h:tf ljifo ;d]t pNn]v x'g' kg]5
{ .
!@=@ ;xsf/L ;+:yfn] u|fxs klxrfgsf ;DaGwdf cfkm\ gf] Joj;fo;Fu ;DalGwt
cGt/f{li6o ;+3;+:yfn] to u/]sf dfu{ lgb]{zgx? ;d]t k|of]u ug{
;Sg]5g\ / o;/L to u/]sf dfu{ lgb]{zgx? nfu" ubf{ ;f]sf] hfgsf/L tyf
dfu{ lgb]{zgsf] Ps k|lt ljQLo hfgsf/L OsfO{nfO{ pknAw u/fpg'
kg]5
{ .
!#= hfgsf/L tyf tflndM
;xsf/L ;+:yfn] ;DklQ z'l4s/0f tyf cftsf/L ultljwLdf x'g] nufgL
lgoGq0f ug{ cfjZos kg]{ ;Dk"0f{ s'/fx?sf] cfGtl/s Joj:yfkg ug]{ tyf
;f] sfo{sf nflu cfk\ mgf sd{rf/Lx?nfO{ cfjZos tflnd Pj+ hfgsf/Lsf]
Joj:yf ug'{ kg]5
{ .
!$= cg'udg tyf lgodgM
!$=! ljQLo hfgsf/L OsfO{n] ;DklQ z'l4s/0f -dlg nfpG8l/_ lgjf/0f P]g
tyf ;f] cGtu{t hf/L ePsf] lgod, ljlgod, lgb]{zg jf cfb]z adf]lhd
ug'{ kg]{ sfo{x? u/] gu/]sf] ;DjGwdf ;do ;dodf cg'udg ug{ u/fpg
;Sg]5 .
!%=
!^=
!$=@ pkbkmf ! adf]lhd cg'udg ubf{ u/fpbf cfjZos ;Dk"0f{ ;xof]u ug'{
u/fpg' ;DjlGwt ;xsf/L ;+:yfsf] st{Ao x'g]5 .
uf]Kotf e ug{ gx'gM]
;xsf/L ;+:yf jf ;f]sf] s'g} klg sd{rf/L, kbflwsf/L jf k|ltlglwn] ljQLo
hfgsf/L OsfO{nfO{ k|bfg u/]sf] ;"rgf, hfgsf/L, cg';Gwfg tyf
txlssftsf]] l;nl;nfdf jf cfgf] st{Jo kfng ubf{ 1ft x'g cfPsf] s'g}
klg tYo jf bflvnf ePsf] s'g} lnvtsf] uf]Kotf k|rlnt sfg"gn] afWo
u/]sf] cj:yfdf afx]s cGo cj:yfdf e ug{ jf u|fxs nufot cGo
sf]xL s;}nfO{ s'g} klg tl/sfaf6 hfgsf/L lbg' x'b}g .
hl/jfgf / sf/jfxL]M
!^=! ;DklQ z'l4s/0f -dlg nfpG8l/_ lgjf/0f P]g tyf ;f] cGtu{t hf/L
ePsf] lgod, ljlgod, lgb]{zg jf cfb]z adf]lhd tf]lsPsf] ;dodf
hfgsf/L ljQLo hfgsf/L OsfO{nfO{ pknAw gu/fpg] ;xsf/L ;+:yfnfO{
pQm P]g adf]lhd ljQLo hfgsf/L OsfO{n] hl/afgf ug{ ;Sg]5 .
!^=@ ;DklQ z'l4s/0f -dgL nfp08/L_ lgjf/0f P]g tyf ;f] cGtu{t hf/L
lgod, ljlgod, lgb]z
{ g jf cfb]zsf] pNn+3g ug]n
{ fO{ ;DklQ z'l4s/0f
-dgL nfp08/L_ lgjf/0f P]g, @)^$ adf]lhd sf/jfxL x'g5
] .
efu @
z+sf:kb sf/f]jf/ klxrfg ug]{ cwf/x? tyf sf/f]jf/sf] k|s[lt
!&=
!*=
jf a9] a9fPsf] ;DklQnfO{ sfg"gL ?kn] k|fKt u/]sf], cfh{g u/]sf] ;DklQsf]
?kdf ef]urng u/]df, wf/0f u/]df jf k|of]u jf pkef]u u/]df jf To:tf]
b]vfpg] sfo{ jf ;f] ;DklQ;Fu ;DalGwt cGo s'g} klg sfo{ u/]df jf To:tf]
;DklQsf] ;|ft] n'sfpg] jf To:tf] ;DklQ k|fKt ug]{ JolQmnfO{ sfg"gL
sf/afxLaf6 arfpg] p2] Zon] To:tf] ;DklQ ?kfGt/0f ug{, n'sfpg jf
:yfgfGt/0f ug{ s;}nfO{ d2t u/]df,
!&=# g]kfn jf ljb]zdf s'g} s;"/ jf ck/fw ug{ u/fpg k|ToIf jf ck|ToIf
pBf]u, d2t, ;xof]u, jf b'?T;fxg u/] u/fPdf,
!&=$ ;DklQ z'l4s/0f ;DaGwL P]g, lgod jf lgb]z
{ g adf]lhd ;"rgf lbg' kg]{
s;"/sf] af/]df ;"rgf glbPsf], lbg gvf]h]sf] jf n'sfpg k|of; u/] u/fPsf]
cj:yf b]lvPdf,
!&=% ;DklQ z'l4s/0f -dgL nfp08l/_ lgaf/0f P]g, @)^$ adf]lhd lbg' kg]{ jf
lbPsf] ;"rgfhfgsf/L sfg"g adf]lhd afx]s c;Da4 kIf jf cGo s;}nfO{
hfgsf/L lbPsf] jf lbg nufPsf] b]lvPdf,
!&=^ s;"/ jf ck/fw;Fu ;DalGwt ;b:ou|fxssf] /sd, ;DklQ cGo
;b:ou|fxssf] ef]u, :jfldTj, k|of]u, k|rngdf uPsf], k7fPsf], k|fKt
u/]sf] jf To:tf] ug]{ k|of; u/] u/fPsf]df b]lvPdf,
!&=& s'g} ljQLo s;"/ jf ck/fw u/] u/fPsf] jf ug{ nfu]sf] jf nufPsf] cj:yf
b]lvPdf,
!&=* s;"/ jf ck/fw;Fu ;DalGwt s'g} klg ;b:ou|fxs jf ;+:yfsf] klxrfg
;DaGwL ljj/0f eP u/]df .
cftsf/Lsf] klxrfg, sf/f]jf/df lgoGq0f / ;"rgf
!*=! ;xsf/L ;+:yfn] ;+o'Qm /fi6 ;+3, ;'/Iff kl/ifb\ sf] lg0f{o g+= !@^& tyf
;f];Fu ;DalGwt cft+ssf/Lsf ?kdf ;"lrs[t cn sfobf, tflnjfg nufot
;do ;dodf tf]lsPsf cGo ;+:yf, ;d"x jf JolQm / To:tf;Fu ;Da4 s'g}
klg ;+:yf, ;d" x jf JolQm;Fu s'g} klg sfd sf/f]jf/ ug{' u/fpg x'b}g .
!*=@ v08 %=! adf]lhdsf] s'g} sfd sf/f]jf/ ;xsf/L ;+:yfdf /x]] ePsf]
kfOPdf jf yfxf kfPdf tTsfn /f]Ssf u/L z+sf:kb sf/f]jf/sf] ?kdf o;
OsfO{nfO{ hfgsf/L k7fO{ ;f]sf] hfgsf/L ck/fw lgoGq0f ug]{ ;DalGwt
;/sf/L lgsfo jf clwsf/LnfO{ ;d]t lbg' kg]5
{ .
!*=# ;xsf/L ;+:yfn] v08 %=! adf]lhdsf ;+:yf, ;d"x jf ;b:ou|fxs
;DaGwL
hfgsf/L
;+o'Qm
/fi6
;+3sf]
j]e
;fO6
http://www.un.org/sc/committees/1267/pdf/consolidatedlist.pdf
af6 k|fKt u/L ;f]sf] klxrfg / lgoGq0f ug]{ cfjZos ;+oGq tTsfn lgdf{0f
ug'{ kg]{ 5 .
!*=$ ;xsf/L ;+:yfn] ;fs{, o'/f]lkog o'lgog nufot ljZjsf ljleGg
cGt/;/sf/L, cGt/f{li6o jf If]qLo ;+3;+:yfn] cft+ssf/Lsf ?kdf
;"lrs[t u/]sf s'g} klg ;+:yf, ;d"x jf JolQm / To:tf sfo{;uF ;Da4 s'g}
klg ;+:yf, ;d"x jf JolQm;Fu s'g} klg sfd sf/f]jf/ ug{' u/fpg x'b}g / ;f]
9
adf]lhdsf] s'g} sfd sf/f]jf/ ;xsf/L ;+:yfdf /x]] ePsf] kfOPdf jf yfxf
kfPdf tTsfn /f]Ssf u/L z+sf:kb sf/f]jf/sf] ?kdf o; OsfO{nfO{ hfgsf/L
k7fO{ ;f]sf] hfgsf/L ck/fw lgoGq0f ug]{ ;DalGwt ;/sf/L lgsfo jf
clwsf/LnfO{ ;d]t lbg' kg]{5 .
!*=% g]kfnsf] k|rlnt sfg"g jf sfg"gL Joj:yfn] cGoyf u/]sf]df afx]s ;xsf/L
;+:yfn] ljleGg d'n'sn] cft+ssf/L jf cfk/flws lu/f]xsf ?kdf 3f]if0ff
u/]sf s'g} ;+:yf, ;d"x jf JolQm / To:tf;Fu ;Da4 s'g} klg ;+:yf, ;d"x
jf JolQm;Fu s'g} klg sfd sf/f]jf/ ug{' u/fpg x'b}g / ;f] adf]lhdsf] s'g}
sfd sf/f]jf/ ;xsf/L ;+:yfdf /x]] ePsf] kfOPdf jf yfxf kfPdf tTsfn
z+sf:kb sf/f]jf/sf] ?kdf o; OsfO{nfO{ k7fO{ ;f]sf] hfgsf/L ck/fw
lgoGq0f ug]{ ;DalGwt ;/sf/L clwsf/LnfO{ ;d]t lbg' kg]{5 .
!*=^ b]xfo adf]lhdsf cGt/f{li6o dxf;GwL, ;GwL, ;Demf}tf adf]lhd u/]sf] s'g}
klg s;"/nfO{ z+sf:kb sf/f]jf/ cGtu{t /fvL ljQLo hfgsf/L OsfO{nfO{
tTsfn ;"rgf lbg' kg]{ 5 .
-!_ ;g\ !(^# df ;DkGg jfo'ofgleq ePsf s;"/ tyf cGo s]xL sfo{
;DaGwL 6f]lsof] dxf;lGw -6f]lsof] sGe]G;g cg ck]mG;]h P08
;6]g{ cb/ PS6\ ; sld6]8 cg jf]8{ Pc/qmf6_
-@_ ;g\ !(&) df x]udf ;DkGg ePsf] jfo'ofgsf] u}/ sfg"gL sAhfsf]
bdg ;DaGwL dxf;lGw -sGe]G;g km/ b ;k|]zg ckm cgnk"mn
l;h/ ckm Pc/qmf6_
-#_ ;g\ !(&! df dlG6ondf ;DkGg ePsf] u}/ ;}lgs xjfO{ p8fgsf]
;'/Iffsf] lj?4 ul/g] u}/ sfg"gL sf/afxLsf] bdg ;DaGwL dxf;lGw
-sGe]G;g km/ b ;k|]zg ckm cgnk"mn Ps6\; Pu]G:6 b ;]6L
ckm l;len PlePzg_
-$_ ;g\ !(&# df ;DkGg ePsf] s"6g}lts k|ltlglw nufot cGt/f{li6o
?kdf ;+/lIft ;b:ou|fxsx? lj?4sf] ck/fw lgjf/0f tyf ;hfo
;DaGwL dxf;lGw -sGe]G;g cg b lk|eG] ;g P08 klgZd]06 ckm
qmfOd Pu]G:6 O06/g]zgNnL k|f]6]S6]8 k;{G; OGSn"l8 l8Knf]Dofl6s
Ph]06\;_
-%_ ;g\ !(&( df ;DkGg z/L/ aGws lng] lj?4sf] dxf;lGw OG6/g]zgn sGe]G;g Pu]G:6 b 6]ls ckm xf]:6]h]h_
-^_ ;g\ !(*& df ;DkGg cftjfbsf] bdg ;DaGwL ;fs{ If]qLo
dxf;lGw -;fs{ l/hgn sGe]G;g cg ;k|]zg ckm 6]/f]l/Hd_
-&_ nfu"cf}ifw tyf dgf]l2ks kbfy{sf] u}/ sfg"gL cf];f/ k;f/ /
a]rlavg lj?4 ;+o'Qm /fi6 ;+3Lo dxf;GwL, !(** -o'= Pg=
sGe]G;g cu]Gi6 Olnl;6 6flkms Og gf/sf]l6s 8u;\ P08
;fOsf]6l ks ;A:6fG;] ;\, !(**_
10
-*_
11
!(=
-!!_
13
15
cg';r
" L !
;b:ou|fxs kl/ro ;DaGwL k|lqmof
!=
-3_
-_
17
-r_
-5_
18
cg';"lr @
;xsf/L ;+:yfn] ;Ldf eGbf a9L sf/f]jf/sf] ljj/0f k7fpg] 9fFrf
;xsf/L ;+:yfsf] gfd :
qm=
;+=
k]zfJoj
;fo
zfvf
sf/f]jf/
ldlt
sf/f]jf/
k|s[lt
vftfsf] k|sf/
sf/]fjf/ /sd
/sdsf] >f]t
1
2
3
4
5
6
7
8
9
ljj/0f k]z ug]{sf] x:tfIf/M
(sfof{Gjog clws[tcflwsfl/s k|ltlglw)
gfd:
kb:
kmf]g:
Od]n:
k\mofS;:
ldlt
19
s}lkmot
cg';"lr #
;xsf/L ;+:yfn] z+sf:kb sf/f]jf/sf] ljj/0f k7fpg] 9fFrf
;xsf/L ;+:yfsf] gfd :
qm=;+=
vftfjfn ;b:ou|fxssf]
gfd / 7]ufgf (/fxbfgL tyf
k|j]zcf1f, gful/stfsf]
k|df0fkq jf /fli6otf v'Ng]
kl/rokq dWo] s'g} Pssf]
k|ltlnlk)
k]zfJoj;fo
zfvf
sf/f]jf/sf]
ldlt
sf/f]jf/sf]
k|s[lt
sf/f]jf/sf] /sd
/sdsf]
>f]t
z+sf:kb
x'gfsf]
sf/0f
1
2
3
4
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9
ljj/0f k]z ug]{sf] x:tfIf/M
(sfof{Gjog clws[tcflwsfl/s k|ltlglw)
gfd:
kb:
kmf]g:
Od]n:
k\mofS;:
ldlt:
20
s}lkmot
Od] n M
reportfiu@nrb.org.np
21