trm q +6

*+ o*Tr ffiq {eTr+1 fir Errnro+ qftqrfr Tq+ft kM, Rorgy

A-rrq <rq fu tq, Ro{. +1 qw 91o +1 s.r+Fl tR) +1 qu-s (dR) A ftilr+} 3rPr+-K
q M RlErrqr-6 qfuffi tdg6r
e-qi-q-It iqrq eq1-qr+] e r

1. {ffTK Fnq r Trrfl$r: (1) fr hfrqrroqi. qrq 'A!Tq tq d'+, *+ orr ffiq
R-srr+t qfu Etrrcrerm +-ra{rfr {qftfr hM, Rosy" (F+} 6 1

(i) * htrqqrq-fr iqrq <tE M q--T1q-r qfuffi ffi-.+d rrtqi fufu<fu er1
qts r1

R. qftrnqr; hwq qr e-sfl.fr er+1 qrf q-fl-n-q-[ qq futT{qr+frqr-

(4') "(q" qq;-fr irrf, rty fu tq, lo{o e-Fru [d r

(q) urrsg
fu'" [q[A W qs'T ? qfrkq e{r.rqT E\rdr iqrq (E +fi wsFI
qdr
(rr) rrqffi, r1qrft W qsT 1y qfrkq rraq t1q+l 11E M RIETTFt-fr.ufufu
eeq q-d r

(q) "rJffi' t1qrft @ es-r l{ qmkq fuTf, qq ffi rrffi REfiE q-d r
qi qr.ili trr+i Ewr Re qqlkq e-r+q f6rq-q lf6{i q\r+1 rrffi
qqrdtg[ r

(s) 'EA rlqd{' trflrfr @ era-r 11 qmft1-q frE-\F rE a'6-{i c5f|. w=ir
qn6q q-d I

(q) 'ffi fttqrq eprqiqzm Ttffi' q-{rfr iqrq rtE +4, kftmq dqT aqfr}e{ur
r4M Ro{q +1 t{k{q ty qmfuq {qkm W nr$r;i.+i
ffi-qoeq q-tdf, qfrffi qnn-a qd I

(E) "qqffiq1q fur1pq" q-qrfr {-Y fu 3Fil{id-+1 w-qtrdn qqfraerol furrrq

aEro .rg r

(q) "*6 Er ffiq deTr' t]-qrfr {l.Y ++qrd E-qTqd-qzlrrki fu qr t[fi=q q={eTl
qnn-1 q-d r

(rr-) ,';F1ffi gt6t, r1qrft fu oqr ffiq q-e]T w{pfr

tq, Roel +i ery. 1*
{qlkq fr -q-m- Trqfrra fu m ffiq q-$Tr€] fl-iffi T-q=q (gtnt qg r q}

lffi louv /ol/1\ qr cffi Rwflqr.F qfufrdi Y qre dr.+a r

 qrqfr i-+ m ffiq q-<err+1 +-Fforft q1qEi T'qr{T oi-q rri srq q-qrftrorft
RqR-qTE q=TrFl-8i I

(q) "fffiE nq
da-qre flrt+q q-mkq rr-ut-il-
3mqTd, rt_qrft rrM {ffiq
srtqTn-ffi ('nmT q-g (*
q1qfr Tfr qqiwf,t- R-(q=tt, losl (capital
Adequacy Framework,20L5) eFn{-a ilft{-dr q-a< ffr q{ilq qq qrM
ffi (Minimum Total Capital excluding Conservation Buffer) G{-fqTn-qTii
wil-g;fg I

tfiqiE Br[qrd (q"ft fqftr;rf,€-+t qlqqT rrq{n qi trq gtlRr.f,4. arrqrfi-f,{:

{tE ffi ffi q-{ilq tffiq e11qrd 4r-.fq .rd Tflfr-+T +fi dsTr ffiq
T€rmd tarq omffi tqRrcqfi orr+rtrar (c.Flat qfrie .-
(a') (tr ffi dH q-q-ilq {ffiq ei.-{qrdt{<T fu m ffiq a-{enn 4F1-+r
rri-+] tffiq q{qrf, Tifl-{ qtdqrilflqi +.q r{qfl -
(3r) (qfrrd fu ET ffiq u+err+i sE
{rrR-6r 6r4rq
v+cr+rqr gf,rFq q-t Eqw-frFt tqqqKqr{ qfyfrq-+1 pq{r {rd I

,*; sqkro fu qr ffiq q-err+} I-fi & (Recapital izatioil q"i tfi fr-{qr
qr{r q-{ r

(E) Trt-E cil-rTt-qT ds11 fr{q qtq{ qtEo11 Trri t6 crngi r

t{l qqt qnqr qrffi

*fr ir6 I

(v) {Eqfrrd +fi qT ffiq {p{mr EdT f,eTT ghm { rw

Fuart (qrzrf, s€q qq-+*rlqf,+} ir(,[q, r]fl ffirr ghm qkqr t-'6
qrnsi t

(q) rrY ffi nH qililq tffiq BEqrdrr<r fu qr ffiq R-ent Erq-q

rrH tffiq Br{qrd q-.fq qkqmrr-{-q& qqq qfuqrilwsa sq .+gfl -
(3{) qu-s (4') qmkr+r +Rqrfril{ Ti r

(Bn)h&q qR-qlil{ oqr o-qi arfrrqR+} 6-q r+-{qT ftqr Fr+q rri r uq"
ili6r- qEtq-f, ffiq qeml 6+-fl fu*qzmf, ( 3rq fu oqr kfl-q
{$Trqre H aq-/fl-[frqr frqr flqq ri I

(E) {qi qffirko hqro-qrq (}ETteFr rr-f t6 qqffi 1

t{l q-kq ET kq qhqr lrrh? e{q ftrri vlqfr qrK rrffi {rE M
ffdkfqtr
 (s) vrqfrrf, *o qr ffiq verrfl ffi
m-€ril{ rrf,t-, vrsn-En-s-ET
H erq gkar+r qk, a+env-a a]-dap Ek qT q+<Erril+1 P<-{ ilqffi
u+i qq sIftqfti 3nk Til{ rl=i ltr qrn-gi r

(rt-) rttr ffi ffi q-{f,q {ffiq 3mqrf,rrcr t"+ qr ffiq R-€nA mrq-q
rrH tffiq Br;-{Trd wrRr qkqrdr{<r ofr qqd.t{ qkqrflflEqt m-{ qgql -
(BI) qo-s (q) qmkq+.r an-+rfrar q-t, I

(?dr) Tqi kfrq qror *< {1+, Tqrsi I uq' T{ET qEf{f, ffiq e-eIr+1
6+-fl Tqi fr&q/qE-d ( q-q fu oqr ffiq e-<q[qrd aor,rqrr& k{
t-o wne-t r

/e) E-qf frqr Ek .rd oer ;rqt mqt q-{r6 .rf i--fi qrpg} I

rn
/e\ +-+iq,ffi na,lo[, r]Tn dET etq 3nf]i6 gfum &qr t+ qrnsi r

r=\ 1;E ffi ffid k{ s=q il6-+1 6ffi E-qf .rf qr}4 (qfrrd fu
* iafrq *-*, qq =rqi +.d-qtt .rqi 6Tl EE-{-qT rt+ qrnsi r

(s-) q-fr Tqfwfl qqrtft q.r.{r& qrccrr r{1+.r fuftft e qtfinf\rq frt{.qfti
qrilq tffiq 3T.-{qrd srq-q il{gqT vrqtr"m t+ qr ffiq e-eil-+t-
qlEiler+' f,eTT 6rffi q1qqT{ @r (s-r loo +i gq-fl6-t- (?)
Erqlkrfl orr+rfi-ar rrt r

(q) q ffi nH q{ilq {ffiq 3irrq-rdrrqr fu qr ffiq {+errfr zfl-q-q

rrH tffiq sr-{Trd q{ilfl{ qfr-emi{<t q-frfr E-q r+gql -
(BI) qu-s (rr) ermkror orrErfrar rrt r

,*y qr+frrf,.fu qr ffiq (€rrdr€ wrsnrkr m-EW rrft Fr+r qmr cQ

BF-fiq-dr +-ra{r& SrrRT r-t ,

(E) wr€ilIl-kT qtEW rrffi e qtil{rflErl-fl- qfr Arer qaf,q tfr-+tq

3[qrf, +T{q q+rgt fu m ffiq v€rc1 rnri rnf\ri tqd-ql qr yrk f
gffir<) +1 qtt-qrry q-t qT {qrqilrfl <g r-i qr qrffi qtf,qr
Wrrfl
ttl tq rzqr ilo oqr ffiq {eTr {qftft tq, ioel q--q-ir-6r a1-a{ e1B-qqq,
+rrqrfi-f,{ q-i r

Y. +rcqrfiqr q-d Ei q?r€r: t wtqra+1 qfra gunreq+ mnErfi-ro qi "F",

kftqq
"E[", "iT" ( uq' flt-fl' fu oqr ffiq q-elriloql {qm {qqr qTrl qi-U r

a< hftrqq t +1 qre (zF) +1 g.rcN-e (g) ( (s) (QTT q.-s (rt-) +1 swl-ue tfl r tsl
qB+-+l-etu gur<rer+ ?-drq-+-r erq-eTro-{rTT qc q-{rq .I=t qt+-ilg'-
 tqm {.€r{fr erf,dkq <rq Fr+.rrf,r+1 {dm-q. k* W fu qr$-d

Tqrw"-{Tdr qf*-qr qrq rrt+l fu oqr ffiq wqroru1 6orn- |

(q) vrqhrd i-+ qr ffiq vterr+1 q{errq{ r,rqr r*qrcqqd {lE ffi [elffi
k{ gar<rcu-+ ear.{r& q--Tm{ q-t €+1 er+*er[fl r

(rr) fu o,Tr ffiq 6qqr e-{'{ftft E{, Roel +1 eh-r \eo g{q tg oqr ffiq a-(Er
gqr eTrq-Tqr rnai r[rf\Ti tqd<t nsfl Trk lgtmfuim) ar-{frfr kfttqqr+fr,
losl qr $rgf,r sr4qr-{66 gil q-ft rnrq rnfYq tq'io qr qrn{ lgtafuir+l +1
ffi<-€ (iltf,€r qrfu rtE A'flT ffifi tqr rrtsT fu de{T ffiq
mqrrszel il{-+lT I

il W' e{Fnmr rnuq rnf\m lwir) qr srk 1gffirmy a1 Q-arftn+. {f,qtil+T

qrfrr Fraffi H fu oqr ffiq vE{ilr{m t*ffirq tffiq fr-s-Er g{ilq
tffiq B{:-{rrf, qG {e{r+1 6+-fl u} Ee q-il{ d *q r er+.rt drct
q-qfirfY{ rnri rnf\ri tq-d-<l qr yrk 1gffirm) +.rd {Errtrr ilriqr fr q-qf*
qqETq * ga <qo: qttq t+\r+1 qttrtei t

{. g1arffi q?RR: kfflq t ofrta-r+1 zrrc+rfr rrqt Tqfrrfl *+ m ffiq R-{-{rdrru

g1a-{dr Br"r(R tcti s I

q. ara{rfr rrfr qffi: f4fu{q t +i qu-g 1ay qfrftaq61 rtu ganr.r+ ;Fr.{rfi-d-{
rrt 3{nf,{rft lrrEftrd gvPcnww kflrr{tii g+g t q,rs (q) (eIT (rt) ermkq-Fr
arrqrfrf,{ ffi fttqm qfufudT ffiflqr qrffi fruiq-{rd gtu t

qu-s 1q; qfrfuq+'1 m.R-{rfi-il{ qfufrdi Filfq-{rc Ets r

qgrmfuf, qffi rfrrr: qq futr{qr+fr qq}kq q-ffrfrtsf, qftmqrft-+1 efrq

.rfr Fr{ rrqi swftrd qqrftr+r-tfr rqkf, t{, frfu, tflq d?TT (E ffi qrft
rrtfl frtemroqi 3rRr;rfl .e r{ qts r

q. .Fr-{T arsrffi tfl{q qfl rrfif: q<t hFrffir+fr qq}fiilq rrgzlt+r EFr+I

orr+rffi tq-{pr vrqfrra gvk}mw fuqr{rft ffifi pqqr qkM emorffi

qrftr tqr .rt qtg r

1. fqftT{rrmffi altefi flqr R*Ft: (1) T{ futrqqrq-ffi aqqr d

kkm s-Fr t+qqr ffi qrqr qfutilfr rrts r qkffi rrH qT@r 3Tkq frs t

(R) qq ktr{q|-ilfrfl Et r+qfrq-{.d qtfl qfuR vqtEr-{ qts r

10. qTqr 3rqffT EEE[: qq futTzrflTffi flqie-q-q-+i T-wrT ti qrm qq{ ilqqr
fr qrm 3Iq=rq S-fl-si 3{Pr+Tr qfu (ila r

l, ,-
\I 42-
).'
,,,
r'
11. qrFilFr hFf,q qi: whfu+nqfi-or q?-eTrilo tqrq qrq fu tq, to{., +fi
f,eTrffiq q-err w-q-{ft E{, Rosl ( Til ?i-f,{i( qil+-r k+qmtq qrfHq-{r
qTFu1r"ir dffiEq qo: Frfrm-q gt* r

1R. qffi defi qqr\F: (1) iqrq ng fu, fu oqr h#q serr-+1 atq- w-Rrem
Fr1arfi {qfrft k|ffi, ?oEy qrtq rrfrgqi
e r

(t) gqhfrqq (1) qfrtsrq qri-q rrM hftr{qr{fi qmkq fu dr{T ffiq
ven-+] lfor Eerr<r.r+ +-r.{r&-+i s<fqr W rri-+-r arq orrqrfr nqr truiq-e-o qt
t4fr"ffirEfr q-frk-q Eq rrtri qrFr+Bi I