ILFSL-Annual-Report-2020

evwlK© cÖwZ2‡0e2`0b A Financial Institution that Cares



evwl©K cwÖ Z2‡0e2`0b A Financial Institution that Cares Annual Report 2020 International Leasing  01

A Financial Institution that Cares B›Uvib¨vkbvj wjwRs GÛ dvBb¨vwÝqvj mvwf‡© mm wjwg‡UW (AvBGjGdGmGj) evsjv‡`‡ki GKwU mcy wiwPZ Avw_©K cÖwZôvb| 1996 mv‡j †QvU cwim‡i hvÎv ïiæi ci †_‡K AvBGjGdGmGj `xN© 25 (cwu Pk) eQi hver MvÖ nK‡`i mKj Pvwn`v wgwU‡q wek¯¦ Í eÜy wn‡m‡e MÖvnK‡`i g‡b ¯’vb K‡i wb‡q‡Q| AwZ kxNªB cby M©wVZ cwÖ ZôvbwU ¯v^ fvweK KgK© v‡Û wd‡i G‡m AveviI Zv cÖgvY Ki‡e|

Annual Report 2020 International Leasing  03

A Financial Institution that Cares Court Appointed Chairman and Independent Directors along with Managing Director 04 Annual Report 2020  International Leasing

cwÖ Zôvb m¤úwK©Z Z_¨ Kgx© msL¨v ¯’vqx - 76 Pyw³e× - 39 kvLv mg~n DËiv wm‡jU PÆMvÖ g Annual Report 2020 International Leasing  05

welqe¯‘ cwiwPwZ 9 11 evwl©K cÖwZ‡e`b wel‡q 12 MÖæc cwiwPwZ 12 `k©b 12 D‡Ïk¨ 13 †KŠkjMZ j¶¨ 13 gj~ bxwZ I `vwqZ¡ 13 †ckv`vi D‡`¨v³v 14 AvPiY wewa I bxwZ 15 cÖwZôv‡bi Z_¨ 16 kvLv Ges mvewmwWqvix 17 MÖæ‡ci KvVv‡gv 18 cY¨ Ges †mev 18 m`m¨ c` e¨vsKvim& 21 22 e¨e¯’vcbv msµvšÍ Av‡jvPbv I we‡klø Y 24 26 ¯v’ wqZ¡ cšv’ 28 A_©‰bwZK cwi‡ek ch©v‡jvPbv 29 gvbe m¤ú` 30 †Pqvig¨vb g‡nv`‡qi e³e¨ 32 cÖavb Avw_©K m~PK Avw_K© mP~ K Z_¨ wP‡Î Avw_©K mP~ Kmgn~ jf¨vsk cÖ`v‡bi BwZnvm 06 Annual Report 2020  International Leasing

mykvmb Ges Suwz K e¨e¯’vcbv 34 35 g~jab Ges †kqvi‡nvwìs KvVv‡gv 40 cwiPvjKe„‡›`i cwiwPwZ 40 wbix¶v KwgwU 40 Kvh©wbe©vnx KwgwU 41 e¨e¯v’ cbv KwgwU Szwu K e¨e¯v’ cbvi weeiYx Disclosures Under Piller-III Market Discipline 45 e¨e¯v’ cbv cwiPvj‡Ki e³e¨ 54 cwiPvjKe„‡›`i `vqe×Zvi wee„wZ 56 cwiPvjKe„‡›`i cwÖ Z‡e`b 57 K‡c©v‡iU Mf‡b©Ý mb`cÎ 76 wbix¶v KwgwUi cwÖ Z‡e`b 77 Management’s Discussion and Analysis (MDA) 80 Declaration by CEO and CFO 82 Value Added Statement 83 Financial Statement of ILFSL & The Group 85 International Leasing Securities Limited 156 IL Capital Limited 186 Letter of Transmittal 201 Notice of The 25th Annual General Meeting 202 Proxy Form & Attendance Slip 203 Annual Report 2020 International Leasing  07

cwiwPwZ evwlK© cwÖ Z‡e`b wel‡q MæÖ c cwiwPwZ `k©b D‡Ïk¨ †KŠkjMZ j¶¨ gj~ bxwZ I `vwqZ¡ †ckv`vi D‡`¨v³v AvPiY wewa I bxwZ cwÖ Zôv‡bi Z_¨ kvLv Ges mvewmwWqvix MæÖ ‡ci KvVv‡gv cY¨ Ges †mev m`m¨ c` e¨vsKvim& 08 Annual Report 2020  International Leasing

evwl©K cÖwZ‡e`b wel‡q GB evwlK© cwÖ Z‡e`bwU 2020 mv‡ji B›Uvib¨vkbvj wjwRs GÛ dvBb¨vwÝqvj mvwf©‡mm wjwg‡UW Gi Avw_K© weeiYx Dc¯’vcb Ki‡e| GQvov †Kv¤úvbxi e¨emvi cwiwa I fwel¨r cwiKíbv m¤ú‡K© aviYv †`‡e| B›Uvib¨vkbvj wjwRs GÛ dvBb¨vwÝqvj mvwf©‡mm wjwg‡UW GKwU mycwiwPZ Avw_©K cwÖ Zôvb, hv m`y xN© 25 eQi hver MvÖ nK‡`i Avw_©K †mev w`‡q Avm‡Q| eZ©gv‡b ¯^vaxb I ¯Z^ š¿ cwiPvjKe‡„ ›`i cwiPvjbvq Ges †Pqvig¨vb g‡nv`‡qi MwZkxj †bZ‡… Z¡ cwÖ ZôvbwU Aí mg‡qi g‡a¨ Ny‡i `uvwo‡q RbM‡Yi Av¯’vq wdi‡e| 1996 mv‡j †QvU cwimi †_‡K hvÎv ïiæi ci †_‡K AvBGjGdGmGj `xN© 25 eQi hver †÷K‡nvìvi‡`i wewfbœ Avw_©K †mev †`Iqvi cvkvcvwk RvZxq A_©bxwZi GKwU Ask wn‡m‡e Ae`vb ivL‡Q| 2019 mv‡ji evwl©K cÖwZ‡e`b B›Uvib¨vkbvj wjwRs GÛ dvBb¨vwÝqvj mvwf‡© mm wjwg‡UW Gi 2019 mv‡ji D`NvwUZ Avw_©K Ges Ab¨vb¨ welq mgn~ wb‡q Ges mvwe©K e¨emvwqK Kvh©Kjvc wb‡q Av‡jvPbv K‡i| GB evwl©K cÖwZ‡e`b cwÖ Zôv‡bi cybM©Vb cÖwµqv MZ 1 eQ‡ii djvdj Ges fwel¨r cwiKíbv wb‡q Av‡jvPbv Ki‡e| B›Uvib¨vkbvj wjwRs GÛ dvBb¨vwÝqvj mvwf‡© mm wjwg‡UW wb‡¤œv³ bxwZgvjv mgn~ †g‡b P‡j|  †Kv¤úvbx AvBb 1994  Avw_©K cÖwZôvb AvBb 1993  Avw_©K cwÖ eavb, 1994  wmwKDwiwUR GÛ G·‡PÄ iæjm, 1987  wjw÷s †i¸‡jkbm, 2015  B›Uvib¨vkbvj GKvDw›Us ÷vÛvW©  B›Uvib¨vkbvj dvBb¨vwÝqvj wi‡cvwUs© ÷vÛvW©  BbKvg U¨v· AwW‡© bÝ, 1984  evsjv‡`k e¨vsK KZK…© cÖKvwkZ wewfbœ wewa-cwÖ eavb Ges mvKy©jvi  evsjv‡`k Gi AvBb Ges cÖweavb mg~n  mky vmb m¤úwK©Z bxwZgvjv / K‡cv© ‡iU Mf‡bÝ© †KvW eZg© v‡b cwÖ ZôvbwU gvbbxq mwy cÖg †Kv‡Ui© nvB‡KvU© wefvM KZ„©K g‡bvbxZ mgv‡R mcy wÖ ZwôZ I m¦b& vgab¨ 5 Rb ¯^Zš¿ cwiPvjKe›„ ` Øviv cwiPvwjZ n‡”Q| †Kv¤úvbxwUi MwZkxj I cybM©Vb cÖwµqvi †bZ„Z¡ w`‡”Qb gvbbxq mywcgÖ †Kv‡Ui© nvB‡KvU© wefvM KZ„©K g‡bvbxZ †Pqvig¨vb Rbve †gv. bRiæj Bmjvg Lvb| AwZkxNBª †Kv¤úvbxwU MvÖ nK‡`i Av¯’vi RvqMvq wdi‡e| Annual Report 2020 International Leasing  09

b¤i^ cwÖ Z‡e`‡bi bvg cwÖ Zôv‡bi wbix¶K 1 B›Uvib¨vkbvj wjwRs GÛ dvBb¨vwÝqvj mvwf‡© mm wjwg‡UW KvRx Rwni Lvb GÛ †Kvs Gi Avw_©K Ae¯’vi GKxf~Z/wbix¶v weeiYx PvU©vW© GKvD‡›U›Um 2 B›Uvib¨vkbvj wjwRs wmwKDwiwUR wjwg‡UW †Rvnv Rvgvb Kwei iwk` G¨vÛ †Kvs, PvU©vW© GKvD‡›U›Um Gi Avw_K© weeiYx 3 AvB Gj K¨vwcUvj wjwg‡UW Gi Avw_©K weeiYx †Rvnv Rvgvb Kwei iwk` G¨vÛ 4 K‡cv© ‡iU Mfb¨©vÝ †Kvs, PvUv© W© GKvD‡›U›Um †gmvm© †cvÏvi GÛ G‡mvwm‡qUm 5 cwÖ f‡W›U dvÛ K÷ GÛ g¨v‡bR‡g›U GKvD‡›U›Um PAvvUn©v‡Wg© `GKRvvD‡K‡›Ui›UGmÛ †Kvs †hvMv‡hvM I Abmy Üvb t GB evwlK© weeiYx m¤ú‡K© †Kvb cÖkœ Ges wRÁvmv _vK‡j †hvMv‡hvM Kiæb t cÖavb Avw_©K Kg©KZ©v Ges †Kv¤úvbx mwPe B›Uvib¨vkbvj wjwRs GÛ dvBb¨vwÝqvj mvwf©‡mm wjwg‡UW wWAvi UvIqvi (13Zg Zjv), 65/2/2, exi cÖZxK MvRx †Mvjvg `¯MÍ xi †ivW ciy vbv cëb, XvKv - 1000, evsjv‡`k| †Uwj‡dvb t +880-2-223381228, 223353485 d¨v· t +880-2-223381227 10 Annual Report 2020  International Leasing

MæÖ c cwiwPwZ B›Uvib¨vkbvj wjwRs GÛ dvBb¨vwÝqvj mvwf‡© mm wjwg‡UW GKwU cvewjK wjwg‡UW †Kv¤úvbx| cwÖ ZôvbwU †Kv¤úvbx AvBb, 1994 Ges Avw_K© cwÖ Zôvb AvBb, 1993 Øviv MwVZ Ges cwiPvwjZ nq| B›Uvib¨vkbvj wjwRs GÛ dvBb¨vwÝqvj mvwf‡© mm wjwg‡UW (AvBGjGdGmGj) evsjv‡`‡ki GKwU mcy wiwPZ Avw_©K cwÖ Zôvb wn‡m‡e my`xN© 25 eQi hver Mvª nK‡`i Avw_K© †mev w`‡q Avm‡Q| 1996 mv‡j †QvU cwim‡i hvÎv ïiæi ci †_‡K AvBGjGdGmGj `xN© 25 eQi hver wewfbœ †÷K‡nvìvi‡`i (AvgvbZKvix, MªvnK, †kqvi‡nvìvi, cwiPvjbv cl`© , e¨e¯’vcbv KZ©…c¶, Kg©Pvix) wewfbœ Avw_©K †mev †`qvi cvkvcvwk RvZxq A_b© xwZi GKwU Ask wn‡m‡e Ae`vb ivL‡Q| B›Uvib¨vkbvj wjwRs GÛ dvBb¨vwÝqvj mvwf‡© mm wjwg‡UW Gi FY †mev¸‡jvi g‡a¨ KvVv‡gvMZ A_v© qb, cÖKí FY, †gqv`x FY, Avevmb A_v© qb, ÿz`ª Ges gvSvwi wk‡í A_v© qb, IqvK© AW©vi A_v© qb, e¨w³MZ FY, M„nvqb FY D‡j¨ø L‡hvM¨| AvgvbZKvix‡`i Rb¨ i‡q‡Q ¯v’ qx / †gqv`x AvgvbZ cKÖ í, gvwmK Avq cÖKí, wظb myweav cÖKí, AvgvbZ †cbkb cÖKí, `ªæZ mÂq cÖKí| B›Uvib¨vkbvj wjwRs wmwKDwiwUR wjwg‡UW GKwU ÷K †evª Kv‡iR †Kv¤úvbx wn‡m‡e AvMó, 2008 mvj †_‡K MªvnK‡`i †mev cÖ`vb K‡i Avm‡Q| XvKv ÷K G·‡PÄ wjwg‡UW Ges PÆMvª g ÷K G·‡PÄ wjwg‡UW Gi m`m¨c‡`i gva¨‡g B›Uvib¨vkbvj wjwRs wmwKDwiwUR wjwg‡UW MvÖ nK‡`i †mev cÖ`vb K‡i Avm‡Q| AvBGj K¨vwcUvj wjwg‡UW b‡f¤i^ 24, 2010 mv‡j cÖwZwôZ nq Ges GwcÖj 04, 2012 mv‡j gv‡P©›U e¨vs‡Ki me ai‡Yi myweav wb‡q hvÎv ïiæ K‡i| AvBGj K¨vwcUvj wjwg‡UW Gi †mevmg~‡ni g‡a¨ Bwbwkqvj cvewjK Advwis (AvBwcI), wiwcU cvewjK Advwis (AviwcI), ivBU †kqvi Bm¨y D‡jøL‡hvM¨| cÖwZôvi ïiæ †_‡KB AvBGj K¨vwcUvj wjwg‡UW evsjv‡`k gv‡P©›U e¨vsKvm© G‡mvwm‡qkb (weGgweG) Gi m`m¨ wn‡m‡e KvR K‡i Avm‡Q| eZg© v‡b cwÖ ZôvbwU gnvgvb¨ nvB‡KvU© KZK„© g‡bvwbZ †Pqvig¨vb Rbve †gv. bRiæj Bmjvg Lvb Gi †bZ…‡Z¡ MwVZ mgv‡R mycwÖ ZwôZ I ¯^bvgab¨ 5 Rb ¯Z^ š¿ cwiPvjKe„›` Øviv cwiPvwjZ n‡”Q| Z‡e Avgiv cl‡© `i cÿ †_‡K Avk¦¯Í Ki‡Z PvB †h, my‡hvM¨ †Pqvig¨vb g‡nv`‡qi MwZkxj I mvnmx †bZ…‡Z¡ cwiPvjbv cl©` I e¨e¯’vcbv KZ…©cÿ m„Rb- kxj I ev¯ÍegyLx cwiKíbv ev¯eÍ vq‡bi gva¨‡g me MvÖ n‡Ki Av¯’vq wd‡i †MŠie¾j GB cwÖ Zôv‡bi nviv‡bv mybvg cybiæ×vi Ki‡e| Annual Report 2020 International Leasing  11

`kb© B›Uvib¨vkbvj wjwRs GÛ dvBb¨vwÝqvj mvwf‡© mm wjwg‡UW MvÖ nK‡`i Avw_K© †mev c`Ö v‡bi gva¨‡g †kqvi‡nvìvi‡`i m¤ú‡`i gj~ ¨ e„w× Kiv| D‡Ïk¨ MÖvnK‡`i wewfbœ e¨w³MZ, e¨emvwqK I D™v¢ ebxgj~ K wewfbœ Avw_K© †mev cÖ`vb Kiv| MvÖ nK‡`i m¤ú~Y© †ckv`vwi‡Z¡i mv‡_ Avw_K© †mev c`Ö vb Kiv| `vwi`¨Zv we‡gvPb Ges mvgvwRK Dbqœ ‡bi †¶‡Î wewfbœ D‡`¨vM MnÖ Y Kiv| †KŠkjMZ j¶¨ B›Uvib¨vkbvj wjwRs GÛ dvBb¨vwÝqvj mvwf©‡mm wjwg‡UW-†K Avw_K© wkíLv‡Z cby MV© ‡bi gva¨‡g GKwU cÖMwZkxj cÖwZôvb wn‡m‡e M‡o Z‡z j MÖvnK‡`i Av¯v’ q †div| Suwy K MnÖ Y Ges my‡hvM mw„ ói gva¨‡g mgv‡Ri Ges †kqvi‡nvìvi‡`i m¤ú‡`i g~j¨ e„w× Kiv| ¶y`ª AvgvbZKvix‡`i Avgvb‡Zi m‡ev© ”P wbivcËv wbwðZ Kiv| Af¨šÍixY Swuy K e¨e¯’vcbv wbqšY¿ Ges wbix¶Y Gi †¶‡Î h_vh_ bxwZgvjv Abmy iY Kiv| Af¨šÍixY Ges evwn¨K mKj AvBb-Kvbyb Ges cwÖ eavb †g‡b Kvhµ© g cwiPvjbv Kiv| mykvm‡bi wewfbœ cwÖ eavb †g‡b m‡ev© ”P ¯^”QZv i¶v Kiv| 12 Annual Report 2020  International Leasing

g~jbxwZ I `vwqZ¡ MÖvn‡Ki Askx`vwiZ¡ MvÖ n‡Ki mv‡_ ¯”^ QZv Ges AvšÍwiKZvi mv‡_ Kv‡Ri gva¨‡g cvi¯úwiK jvfRbK Askx`vwiZ¡ ‰Zix Kiv| gvb‡y li Rb¨ k×Ö v Avgiv Avgv‡`i Kgx© ‡`i‡K cwiev‡ii m`m¨‡`i gZ g‡b Kwi Ges Kv‡Ri cwi‡ek I Aby‡cÖiYv cÖ`v‡bi gva¨‡g Zv‡`i `¶Zv ew„ × Kwi| mZZv Avgv‡`i mKj KvR `„p ‰bwZKZvi Abky xj‡bi Dci wfwË K‡i cwiPvwjZ nq| †÷K‡nvìvi‡`i m¤ú‡`i g~j¨ ew„ × Avgiv Avgv‡`i Swyu K e¨e¯’vcbv, gby vdv e„w×, cÖvwZôvwbK cÖew„ × Ges mvgvwRK Kj¨v‡Yi gva¨‡g †÷K‡nvìvi‡`i m¤ú‡`i g~j¨ e„w× Kwi| `¶Zv‡K cÖvavb¨ `¶Zvi cwiPh©v Avgv‡`i m„wókxj Kgc© wiKíbv Ges cwÖ ZKj~ Zvi mgvavb LyRu ‡Z AvMnÖ x K‡i †Zv‡j| †ckv`vi D‡`¨v³v cvÖ q `yB `k‡Ki †ewk AwfÁZv, †ckv`vwi‡Z¡i g‡bvfve Ges D‡`¨v³vcÖeY wPšvÍ aviv Avgv‡`i bvbvwea evav Ges RwUjZv †gvKv‡ejv Ki‡Z mnvqZv K‡i| AvPiY wewa I bxwZ B›Uvib¨vkbvj wjwRs GÛ dvBb¨vwÝqvj mvwf‡© mm wjwg‡UW Gi Aby‡gvw`Z AvPiY wewa i‡q‡Q| cwÖ Zôv‡bi Kg©xMY †ckv`vwi‡Z¡i mv‡_ mKj AvPiY wewa †g‡b mZZv, `¶Zv, gh©v`v Ges ‰bwZKZvi mv‡_ KvR K‡i| Kg©xiv wb‡R‡`i †ckv`vwiZ¡ Ges `¶Zv e„w×i Rb¨ wb‡R‡`i wePvi we‡ePbv c‡Ö qvM K‡i| Kgx© iv cÖwZôv‡bi mv‡_ m¤úwK©Z AvBb, wewa, bxwZ Ges gvb eRvq ivLvi cvkvcvwk †MvcbxqZv Ges wek¯¦ ÍZv eRvq †i‡L KvR K‡i| Annual Report 2020 International Leasing  13

cwÖ Zôv‡bi Z_¨ †iwRóvW© bvg B›Uvib¨vkbvj wjwRs GÛ dvBb¨vwÝqvj mvwf‡© mm wjwg‡UW AvBbMZ Ae¯’vb Rvbqy vwi 15, 1996 Zvwi‡L †Kv¤úvbx AvBb, 1994 Ges †deæª qvwi 19, 1996 G Avw_©K cÖwZôvb AvBb, 1993 Gi Aax‡b jvB‡mÝ cÖvß cvewjK wjwg‡UW †Kv¤úvbx| †m‡Þ¤^i 16, 2007 Zvwi‡L XvKv ÷K G·‡PÄ Ges PÆMÖvg ÷K G·‡PÄ G cvewjK wjwg‡UW wn‡m‡e Ašf©Í ³‚ nq| †iwR‡÷«kb bv¤^vi wm - 30121(1347)/96 evsjv‡`k e¨vsK jvB‡mÝ bv¤v^ i Av: c:Ö (A-e¨vswKs) wefvM/XvKv/9/96 †iwRó«vW© Ges K‡c©v‡iU Awdm B›Uvib¨vkbvj wjwRs GÛ dvBb¨vwÝqvj mvwf©‡mm wjwg‡UW wWAvi UvIqvi (13Zg Zjv), 65/2/2, exi cZÖ xK MvRx †Mvjvg `¯ÍMxi †ivW, cyivbv cëb, XvKv - 1000, evsjv‡`k| †Uwj‡dvb t +880-2-223381228, 223353485 d¨v·t +880-2-223381227 †Kv¤úvbx B‡gBj [email protected] †Kv¤úvbx I‡qemvBU www.ilfsl.com †Pqvig¨vb †gv. bRiæj Bmjvg Lvb Ab¨vb¨ c‡`/PjwZ `vwq‡Z¡ e¨e¯v’ cbv cwiPvjK †gv. gwkDi ingvb cÖavb Avw_©K Kg©KZ©v †gvnv¤§` †gvqv‡¾g †nv‡mb, GwmG Af¨šiÍ xY wbix¶v wefvMxq caÖ vb Avjvwgb AvL›` †Kv¤úvbx mwPe †gv. Avmv`¾y vgvb ewn:wbix¶K KvRx Rwni Lvb GÛ †Kvs, PvUv© W© GKvD‡›U›Um 14 Annual Report 2020  International Leasing

kvLv Ges mvewmwWqvix B›Uvib¨vkbvj wjwRs GÛ dvBb¨vwÝqvj mvwf©‡mm wjwg‡UW B›Uvib¨vkbvj wjwRs wmwKDwiwUR wjwg‡UW cÖavb kvLv (ewa©Z Ask) K‡c©v‡iU †nW Awdm †nv‡mb UvIqvi (3q Zjv) †nv‡mb UvIqvi (2q Zjv) 116, exi cZÖ xK MvRx †Mvjvg `¯MÍ xi †ivW, 116, exi cÖZxK MvRx †Mvjvg `¯ÍMxi †ivW, bqvcëb, XvKv - 1000. bqv cëb, XvKv - 1000. †Uwj‡dvb: +880-2-58315384-86 †Uwj‡dvb: +880-2-9344093 AvMÖvev` kvLv, PÆMÖvg d¨v·: +880-2-9343841 AvBqey †U«W †m›Uvi (7g Zjv), B‡gBj: [email protected] 1269/we,Gm †K gywRe †ivW AvMvÖ ev` wm/G, I‡qe mvBU: www.ilslbd.com PÆMvÖ g-4100, evsjv‡`k| AvMvÖ ev` kvLv, PÆMvÖ g †Uwj‡dvb: +88-031-2514621-3 AvBqye †U«W †m›Uvi (9g Zjv), d¨v·: +88-031-2514620 1269/we, AvMvÖ ev` wm/G, wm‡jU kvLv PÆMÖvg-4100, evsjv‡`k| wd‡ivR †m›Uvi (5g Zjv), †Uwj‡dvb: +88-031-2514621-6 †PŠnvÆv, wm‡jU m`i - 3100. d¨v·: +88-031-2514628 †Uwj‡dvb: +880-821-710034 . LvZybMÄ kvLv, PÆMÖvg DËiv kvLv weGmGg †m›Uvi (3q Zjv) evwo bs - 21, (3q Zjv) 119/122, Avwgi gv‡KU© , LvZby MÄ, †mvbviMuvI Rbc_ †ivW, †m±i - 13, PÆMvÖ g - 4000. DËiv, XvKv - 1230. †Uwj‡dvb: +880-31-2866971-74 †Uwj‡dvb: +88-02-48954423-24 d¨v·: +880-31-2866975 wm‡jU kvLv wd‡ivR †m›Uvi (6ô Zjv), †PŠnvÆv, wm‡jU - 3100. †Uwj‡dvb: +880-821-710034 d¨v·: +880-821-710266 . AvBGj K¨vwcUvj wjwg‡UW K‡cv© ‡iU †nW Awdm †nv‡mb UvIqvi (3q Zjv) 116, exi cZÖ xK MvRx †Mvjvg `¯ÍMxi †ivW, bqv cëb, XvKv - 1000. †Uwj‡dvb: +880-2-58315389 d¨v·: +880-2-58315387 B‡gBj: [email protected] I‡qe mvBU: www.il-capital.com Annual Report 2020 International Leasing  15

MÖæ‡ci KvVv‡gv B›Uvib¨vkbvj wjwRs GÛ dvBb¨vwÝqvj mvwf‡© mm wjwg‡UW B›Uvib¨vkbvj wjwRs AvBGj K¨vwcUvj wmwKDwiwUR wjwg‡UW wjwg‡UW bs mvewmwWqvix cÖwZôv‡bi bvg e¨emv‡qi Ae¯v’ b gvwjKvbvi cwigvY 1 B›Uvib¨vkbvj wjwRs wmwKDwiwUR wjwg‡UW evsjv‡`k 99.99994% 2 AvBGj K¨vwcUvj wjwg‡UW evsjv‡`k 99.99196% 16 Annual Report 2020  International Leasing

cY¨ Ges †mev AvgvbZ m¤úwKZ© cY¨ Ges †mev ¯’vqx / †gqv`x AvgvbZ cKÖ í gvwmK Avq cKÖ í wظb mwy eav cKÖ í AvgvbZ †cbkb cKÖ í `æª Z mÂq cKÖ í A_©vqb Ges wewb‡qvM msµvšÍ cY¨ Ges †mev BRviv A_©vqb †gqv`x A_©vqb ÿ`z ª Ges gvSvix wk‡í A_v© qb K‡cv‡© iU A_v© qb wmwÛ‡Kkb A_©vqb eªxR A_v© qb M„n µq I wbg©vY A_©vqb bvix D‡`¨v³v A_v© qb †eªvKv‡iR Ges gv‡P©›U e¨vswKs m¤úwKZ© †mev AvÛviivBwUs †kqvi †Uwª Ws †cvU©‡dvwjI e¨e¯’vcbv wewb‡qvM e¨e¯’vcbv K‡cv© ‡iU A¨vWfvBRwi Znwej msMÖn Bm¨y e¨e¯v’ cbv †eªvKv‡iR cwi‡lev Kv‡÷vwWqvj cwi‡lev gvwR©b FY cwi‡lev wmwWweGj m¤úwK©Z cwi‡lev AbjvBb AvBwcI Av‡e`‡bi mwy eav AZ¨vaywbK †UªwWs iæg myweav B›Uvi‡bU †UªwWs mwy eav wi‡qj UvBg †cvU©‡dvwjI Z_¨ †dvb e¨vswKs mvwf©m (cÖwZôv‡bi Af¨šÍixY) B-†gBj, GmGgGm Ges d¨v‡·i gva¨‡g †UWª wbwðZKiY Ges †cvU©‡dvwjI wee„wZ Annual Report 2020 International Leasing  17

m`m¨ c` evsjv‡`k wjwRs GÛ dvBb¨vÝ †Kv¤úvbxR G‡mvwm‡qkb (weGjGdwmG) Gwkqvb wjwRs GÛ dvBb¨vÝ †Kv¤úvbxR G‡mvwm‡qkb (GGjGdwmG) evsjv‡`k G‡mvwm‡qkb Ae cvewjK wj‡÷W †Kv¤úvbxR (weGwcGjwm) B›Uvib¨vkbvj †P¤v^ i Ae Kgvm© - evsjv‡`k (AvBwmwm) †g‡U«vcwjUb †P¤^vi Ae Kgvm© GÛ BÛvw÷R« (GgwmwmAvB) e¨vsKvim& Gwe e¨vsK wjwg‡UW GbAviwe e¨vsK wjwg‡UW AMYÖ x e¨vsK wjwg‡UW GbAviwe Kgvwk©qvj e¨vsK wjwg‡UW Avj Avivdv Bmjvgx e¨vsK wjwg‡UW Iqvb e¨vsK wjwg‡UW Avbmvi wfwWwc Dbœqb e¨vsK wjwg‡UW wcÖwgqvi e¨vsK wjwg‡UW evsjv‡`k Kgvm© e¨vsK wjwg‡UW cÖvBg e¨vsK wjwg‡UW evsjv‡`k †W‡fjc‡g›U e¨vsK wjwg‡UW c~evjx e¨vsK wjwg‡UW e¨vsK Gwkqv wjwg‡UW iæcvjx e¨vsK wjwg‡UW ev« K e¨vsK wjwg‡UW kvnRvjvj Bmjvgx e¨vsK wjwg‡UW XvKv e¨vsK wjwg‡UW †mvmvj Bmjvgx e¨vsK wjwg‡UW WvP-evsjv e¨vsK wjwg‡UW †mvbvjx e¨vsK wjwg‡UW B÷vb© e¨vsK wjwg‡UW mvD_ evsjv GwMKÖ vjPvivj GÛ Kgvwk©qvj e¨vsK wjwg‡UW hgybv e¨vsK wjwg‡UW mvD_B÷ e¨vsK wjwg‡UW RbZv e¨vsK wjwg‡UW ÷vÛvW© e¨vsK wjwg‡UW †gNbv e¨vsK wjwg‡UW w` wmwU e¨vsK wjwg‡UW gv‡K›© UvBj e¨vsK wjwg‡UW BDwbqb e¨vsK wjwg‡UW wgWj¨vÛ e¨vsK wjwg‡UW BDbvB‡UW Kgvwk©qvj e¨vsK wjwg‡UW gaygwZ e¨vsK wjwg‡UW DËiv e¨vsK wjwg‡UW wgDPyqvj U«v÷ e¨vsK wjwg‡UW Dwi e¨vsK (`w¶b †Kvwiqv) Gbwmwm e¨vsK wjwg‡UW 18Annual Report 2020  International Leasing

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A_©‰bwZK cwi‡ek ch©v‡jvPbv MZ `kKwU‡K gši’ A_©‰bwZK cÖe„w×, wewb‡qvMKvixi wewb‡qvM AwbwðqZv Ges ‰ewkK¦ Avw_©K evRv‡ii avivevwnK Aw¯i’ Zv wn‡m‡e wPwýZ Kiv n‡q‡Q| hvi djkæÖ wZ‡Z evsjv‡`‡ki A_‰© bwZK cÖew„ × K‡g †M‡Q Ges 2020 mv‡j hv 5.24 kZvsk cÖv°jb Kiv n‡q‡Q A_© gš¿Yvj‡qi evwl©K cwÖ Z‡e`b 2019-2020 Abhy vqx| wek¦e¨vcx g›`vi g‡a¨I evsjv‡`‡ki A_©bxwZ‡Z eo ai‡Yi †Kv‡bv ¶wZ nqwb| Z‡e wek¦e¨vcx A_©‰bwZK ceÖ „w× ms‡KvwPZ nIqvi Kvi‡Y ißvwb wKQUy v wbgœgyLx Ges Avg`vwb ew„ × bv †c‡q eis K‡g †M‡Q| †KvwfW 19 Gi cÖfv‡e ißvwb I Avg`vwb n«vm †c‡jI miKv‡ii c‡Ö Yv`bvi d‡j cÖevmx Av‡qi †¶‡Î avivevwnK AMMÖ wZ AwRZ© n‡q‡Q| ‰e‡`wkK gy`vª i wewbgq nvi w¯w’ Zkxj _vKvi cvkvcvwk ‰e‡`wkK gy`«vi wiRv‡f©i †¶‡Î bZyb †iKW© n‡q‡Q| gj~ ¨ùxwZ wbqš‡¿ Y i‡q‡Q hv 2019-2020 A_©eQ‡i mvgvb¨ e„w× †c‡q `vwu o‡q‡Q 5.65 kZvsk| †KvwfW 19 Gi Kvi‡Y ivR¯^ Av`v‡q gši’ MwZ _vKvq ev‡RU NvUwZi cwigvY mvgvb¨ e„w× †c‡q‡Q hv wRwWwc'i 5.00 kZvs‡ki mvgvb¨ Dc‡i i‡q‡Q| mg‡qi mv‡_ †gvU ivR¯^ Avq ew„ × †c‡jI wRwWwc'i Zjy bvq D³ ew… ×i nvi Kg| 2019-2020 A_e© Q‡i ev‡R‡Ui g~j ivR¯^ Av‡qi cvÖ °jb Kiv n‡q‡Q hv wRwWwc'i 12.40 kZvsk| ivR¯^ Av‡qi mv‡_ mv‡_ miKvwi e¨q e„w× †c‡jI Zv wRwWwc'i kZvsk nv‡i Kg ew„ × †c‡q‡Q Ges 2019-2020 Bs A_e© Q‡i ms‡kvwaZ ev‡R‡U cÖv°jb Kiv n‡q‡Q wRwWwc'i 17.90 kZvsk| wRwWwc kZvsk wnmv‡e ev‡RU NvUwZ 5.00 kZvs‡ki g‡a¨ mxgve× _vK‡jI mv¤úªwZK eQ‡i Zv D³ mxgv AwZµg K‡i‡Q| weMZ A_© eQ‡i ißvwbi FYvZ¥K ceÖ w„ × AwR©Z n‡q‡Q Ges 2019-2020 A_e© Q‡i ißvwb msKwz PZ n‡q‡Q 16.9 kZvsk| Avg`vbx e¨q µgvMZfv‡e e„w× †c‡jI †KvwfW 19 Gi cfÖ v‡e 2019-2020 A_©eQ‡i Zv wKQyUv gš’i n‡q‡Q| ceÖ vmx Av‡qi cÖe„w×i DVvbvgv cwijw¶Z n‡jI 2.00 kZvsk nv‡i cÖ‡Yv`bv Ges †iwg‡UÝ †ciÖ Y c×wZ mnRxKi‡Yi d‡j eZg© vb ceÖ vmx Av‡qi †¶‡Î DaŸ©gLy x ceÖ YZv j¶¨ Kiv hv‡”Q| †KvwfW 19 Gi cfÖ ve _vKv m‡ËI¡ 2019-2020 A_e© Q‡i ceÖ vm Avq n‡q‡Q †iK©W cwigvY 18.2 wewjqb gvwK©b Wjvi Ges G‡¶‡Î 30.90 kZvs‡k ceÖ w… × AwR©Z n‡q‡Q| K‡ii ms¯’vb miKvwi ivR‡¯i^ Dci wbfi© K‡i wKšyÍ Zv A‡bK Qv‡oi Kvi‡Y msKxY©| wRwWwc‡Z RbM‡Yi Ae`v‡bi dj¯i^ ƒc 2021 mv‡ji g‡a¨ 35.9% G Dbxœ Z nIqvi cÖZ¨vkv Kiv n‡q‡Q| K‡ii Avq e„w×i cqÖ v‡m 2019-2020 Bs A_e© Q‡ii ïiæ‡Z GKwU bZzb f¨vU AvBb Pvjy Kiv n‡qwQj; Z‡e Gi cfÖ ve cÖeZ‡© bi ci †_‡KB mxgve× i‡q‡Q| F‡Yi wekvj Ask Ges cby MwVZ© cwigvY ew„ ×i Kvi‡Y e¨vswKs Lv‡Zi Avw_©K cwiw¯w’ Z `yej© i‡q‡Q| 2019-2020 A_e© Q‡ii g`y ªvùxwZ 5.65 kZvsk n‡q †M‡Q Ges †KvwfW 19 gnvgvix m‡Ë¡I 2021 (5.60 kZvsk) G w¯w’ Zkxj _vK‡e e‡j Avkv Kiv n‡”Q| D”PZi †U·UvBj ißvwb Av‡`k mieivn Kivq PjwZ wnmve NvUwZ 2019-2020 Bs A_©eQ‡ii GB NvUwZ nv« m †c‡q 4849 wgwjqb gvwKb© Wjvi `vuwo‡q‡Q| ZeyI, †gMv-AeKvVv‡gv cKÖ í¸‡jvi Rb¨ wbg©vY Lv‡Zi D”P Avg`vwbi cÖ‡qvRbxqZvi Kvi‡Y NvUwZ wU 2020 mv‡j AviI 2.20 kZvsk n‡q hvIqvi ce~ v© fvm †`Iqv n‡q‡Q| Rjevqy cwieZ©‡bi †¶‡Î evsjv‡`k we‡k¦i Ab¨Zg Suwz KcY~ © †`k, Pig AvenvIqvi NUbv wb‡q Abgy vb Kiv n‡q‡Q †h weMZ K‡qK `k‡K wRwWwci cÖvq 1.80 kZvsk †jvKmvb n‡q‡Q| †`kwU meyR A_©vq‡bi cÖPv‡ii Rb¨ c`‡¶c wb‡q‡Q Ges we‡kl K‡i wMbÖ Rjevqy Znwe‡ji gva¨‡g AvšÍRv© wZK m¤c`Ö v‡qi KvQ †_‡K Ab`y vb Pv‡”Q| evsjv‡`k cwimsL¨vb ey¨‡ivi (weweGm) me©‡kl Rwic Abmy v‡i 2016-2018 A_©eQ‡i miKvwi †eKvi‡Zi¡ nvi 4.20 kZvsk wQj, Z‡e hye †eKvi‡Z¡i nv‡ii Zjz bvq GwU wظ‡Yi †P‡q 10.60 kZvs‡k `vwu o‡q‡Q| evsjv‡`‡ki 29.80 kZvsk ZiæY wk¶v, Kg©ms¯v’ b ev cÖwk¶‡Yi mv‡_ RwoZ bq| Iqvì© B‡KvbwgK wj‡Mi †Uwej Abymv‡i, RbmsL¨vi DcvË Ges ewa©Z gv_vwcQz Avq Abmy v‡i evsjv‡`‡ki A_b© xwZ 2020 †_‡K 2034 mv‡ji g‡a¨ wb¤œ ga¨g Av‡qi †`‡k cwiYZ n‡e| 22 Annual Report 2020  International Leasing

evsjv‡`‡k 2014 mvj †_‡K RbmsL¨v cwÖ Z eQ‡i gvÎ 1 kZvsk nv‡i †e‡o‡Q| Gi A_© nj mv¤cwÖ ZK eQi¸‡jv‡Z gv_vwcQz Avq h‡_ó †e‡o‡Q, hv miKvi‡K ev‡RU NvUwZ cwiPvjbvi Rb¨ Avw_K© ivR‡¯^i e¨e¯’v K‡i‡Q| wRwWwc cÖew„ ×i evwl©K nvi 2020 †_‡K 2025 mv‡ji g‡a¨ Mo 7.30 kZvsk nªvm cvIqvi ce~ ©vfvm i‡q‡Q| Avw_K© cwÖ Zôvb LvZ Avw_©K cwÖ Zôvb¸‡jv (GbweGdAvB) e¨vswKs LvZ A‡c¶v AwZwi³ cwi‡mev mieivn K‡i _v‡K hvi gva¨‡g Avw_©K cwÖ Zôvb LvZ A_©bxwZ‡Z ¸iæZ¡c~Y© f‚wgKv cvjb K‡i| Avw_K© cwÖ Zôvb Lv‡Zi eû-gyLx cY¨ Ges cwi‡mev MÖvnK‡`i P¨v‡jwÄs Pvwn`v wgwU‡q cÖwZ‡hvwMZvgj~ K Avw_K© evRv‡i wb‡q Av‡m| Avw_©K cÖwZôvb¸‡jv evsjv‡`‡ki g~jab evRv‡ii cvkvcvwk evsjv‡`‡ki wi‡qj G‡÷U Lv‡ZI ¸iæZc¡ ~Y© f‚wgKv cvjb K‡i| e¨vswKs Lv‡Z Zvij¨ msK‡Ui Kvi‡Y 2019-2020 A_© eQi Avw_©K cÖwZôvb Lv‡Zi Rb¨ †Zgb fv‡jv wQj bv| 2019-2020 A_© eQ‡i 34 wU Avw_©K cÖwZôv‡bi g‡a¨ wKQz D‡jLø ‡hvM¨ cÖwZôvb cÖew„ × AR©‡b e¨_© n‡qwQj| Avw_K© cÖwZôvb Lv‡Zi Znwe‡ji caÖ vb wZbwU g~j Drm: LyPiv AvgvbZKvix, e¨vsK †_‡K FY Ges Pjgvb wewb‡qvM †_‡K bM` ceÖ vn| e¨vs‡Ki AwMÖg AvgvbZ Abcy v‡Zi (GwW AbycvZ) wewawb‡l‡ai Kvi‡Y e¨vsK¸‡jv Zv‡`i †µwWU jvBb¸‡jv Avw_©K cwÖ Zôv‡bi Rb¨ mxgve× K‡i| dj¯^iƒc, Avgvb‡Zi Rb¨ Avw_©K cÖwZôvb¸‡jv LyPiv wewb‡qvMKvix‡`i †e‡Q wb‡Z n‡qwQj| GwU D‡jøL‡hvM¨ †h LyPiv AvgvbZ e¨vs‡Ki †µwWU jvBb¸‡jv †_‡K e¨qeûj| LPy iv wewb‡qvMKvix‡`i KvQ †_‡K †bIqv AvgvbZ Avw_K© cÖwZôv‡bi Znwe‡ji e¨q evwo‡q †Zv‡j| djkÖæwZ‡Z Avw_©K cÖwZôvb Lv‡Zi gybvdv nªvm †c‡q‡Q| Avw_K© cwÖ Zôv‡bi gva¨‡g F‡Yi nvi evov‡bvi †Póv Kiv n‡qwQj Z‡e wewb‡qvMKvixiv GB e¨e¯’vwU fvjfv‡e MnÖ Y K‡ibwb| Dciš,‘ Avw_K© cwÖ Zôvb¸‡jv e¨vsK¸‡jvi KvQ †_‡K K‡Vvi cwÖ Z‡hvwMZvi gy‡Lvgwy L n‡qwQj| myZivs, mvgwMKÖ fv‡e Avw_©K cwÖ Zôvb LvZ Znwe‡ji D”P e¨q Ges Kg gby vdv †¯c‡Ö Wi Kvi‡Y 2020 mv‡j Kg gybvdv K‡i‡Q| Annual Report 2020 International Leasing  23

gvbe m¤ú` GKwU kw³kvjx Ges wb‡ew`Z Kgx© evwnbx n‡jv AvBGjGdGmGj Gi g~j PvwjKv kw³ hv Qvov cÖwZôvb mdj fv‡e cwiPvwjZ n‡Z cv‡i bv| Avgiv me¯© ͇iB GKwU DÏxwcZ Ges cvÖ YešÍ Kg©x `j _vKv‡K m‡ev© ”P ¸iæZ¡ w`‡q _vwK| h‡_ó mgq I kgÖ w`‡q Avgiv Avgv‡`i gvbem¤ú` bxwZgvjv ‰Zwi K‡iwQ hv †gavex KgK© Z©v‡`i Abcy ÖvwYZ Ki‡e| cÖwZôvb wekv¦ m K‡i †h, gvbem¤ú‡`i bxwZgvjv ¸‡jvi m‡ev© Ëg Abykxj‡bi gva¨‡g cÖwZôv‡bi D‡Ïk¨¸wj ev¯eÍ vqb m¤e¢ | dj¯^iƒc, AvBGjGdGmGj GKwU my¯úó bxwZgvjv cÖYqb K‡i‡Q hv gvbem¤ú` m¤úwK©Z mg¯Í wel‡q cwiPvjbvq mvnvh¨ K‡i| GB gvbem¤ú` bxwZmgn~ wb‡qvM, cwÖ k¶Y, †ckvMZ Ges KgR© xe‡bi Dbqœ b, †ckv`vi AvPiY, c‡`vbœwZ Ges Kg¶© gZv g~j¨vq‡bi welqmgn~ AšÍf©³y | gvbem¤ú` bxwZ¸‡jvi wbqwgZ chv© ‡jvPbv Kiv nq hv‡Z, AvBGjGdGmGj Gi mKj Kg©KZv© ‡`i Rb¨ GKwU hy‡Mvc‡hvMx c¯Ö Ívebv cÖ`vb Kiv m¤e¢ , hvi d‡j †miv cwÖ Zfv‡K AvKlY© Ges a‡i ivLvi m¤v¢ ebv ew„ × cvq| mg¯Í KgK© Z©v-KgP© vixe›„ ` hLb wewfbœ m~P‡K wb‡R‡`i j¶¨gvÎvq †cŠuQ‡Z cvi‡e, cwÖ Zôvb mvgwMK« fv‡e ZLb Zvi j¶¨ AR©b Ki‡e| m‡e©vËg `¶Zv e¨envi AvBGjGdGmGj `p„ fv‡e wek¦vm K‡i †h, Kg©x‡`i mv‡_ mvgÄm¨cY~ ©, A_©c~Y© m¤ú…³Zv cÖwZôv‡bi DbœwZi Rb¨ AZ¨šÍ ¸iæZc¡ ~Y© fw~ gKv cvjb K‡i| cÖwZôv‡bi avivevwnK ¸YMZgvb eRvq ivL‡Z Kgx© iv Zv‡`i `¶Zv I †ckv`vwi‡Zi¡ mv‡_ h_vh_ fw~ gKv cvjb K‡i| dj¯i^ ƒc, cwÖ Zôvb Kgx© ‡`i mv‡_ wbgœiƒc fv‡e RwoZt `¶Zv e¨env‡ii c×wZ e¨vwß e¨e¯’vcbv Ges j¶¨ g~j¨vqb mfv gvwmK †Lvjv `iRv bxwZ me mgq Kg©¶gZv gj~ ¨vqb evwl©K cvÖ wZôvwbK cwiKíbv evwl©K B›Uv« ‡bU wbqwgZfv‡e B-†gBj Ges †g‡gv wbqwgZfv‡e †bUIqvvwKs© B‡f›U chv© qµ‡g Af¨šiÍ xY cwÖ k¶Y Ges Dbqœ b †mkb ch©vqµ‡g kvLv/wefvM ch©v‡q msw¶ß mfv ch©vqµ‡g ¯^Zš/¿ ‡QvU MæÖ c wdWe¨vK †mkb wbqwgZfv‡e Kg©Pvix mšw‘ ó Rwic evwl©K KgP© vix c¯Ö ’vb mv¶vrKvi c‡Ö qvRb Abymv‡i Kg©x e¨e¯’vcbv AvBGjGdGmGj Kg©x‡`i Rb¨ GKwU cwi‡ekevÜe Kv‡Ri cwi‡ek ‰Zwi Kivi Dci bRi †`q †hLv‡b Kgx© iv t  Zv‡`i m‡e©vËg ¯‡Í i Kg© m¤úv`b Ki‡Z cv‡i  µgvMZ Zv‡`i Ávb weKvk Ki‡Z cv‡i  Kv‡Ri †¶‡Î P¨v‡jÄ Mnª Y Ki‡Z cv‡i  Zv‡`i K…wZ‡Z¡i Rb¨ ¯^xK…wZ cvq Ges cyi¯‹Z… nq  †ckvRxe‡b AvKvw•ÿZ Ae¯’v‡b hvIqv 24 Annual Report 2020  International Leasing

Kg©x`j MVb cÖwZ‡e`‡bi †gqv` †k‡l, 115 Rb Kg©KZ©v-KgP© vix cwÖ Zôv‡bi cÖe„wׇZ Ae`vb †i‡L‡Qb, hvi g‡a¨ 76 Rb ¯’vqx| ¯v’ qx KgK© Z©v-KgP© vix‡`i g‡a¨, 75% ciy æl Ges 25% gwnjv| AvBGjGdGmGj Gi †gvU Kgx© i 67% nj hey K †kY« xi hv‡`i eqm 30 Gi wb‡P Ges 25% Kgx© hv‡`i eqm 40 Gi g‡a¨| cÖwZôv‡bi me¯© ‡Í ii Kg©x‡`i g‡a¨ GKwU kw³kvjx mgšq^ i‡q‡Q, hviv AvMvgx eQi¸wj‡Z cÖwZôv‡bi mvweK© Dbœq‡b we‡kl Ae`vb ivL‡Z mnvqZv Ki‡e| wb‡qvM Ges aviY AvBGjGdGmGj mg m‡y hvM bxwZ‡Z wek¦vm K‡i Ges ZvB wb‡qv‡Mi †¶‡Î †Kv‡bv wj½, RvwZMZ †Mvôx ev a‡gi© cÖwZ †Kv‡bv c¶cvwZZ¡ c`Ö kb© K‡i bv| cÖwZôv‡bi gvbem¤ú` bxwZgvjvq ¯úófv‡e ejv Av‡Q †h, cÖwZôv‡b bZby Kgx© wb‡qv‡Mi †¶‡Î Zv‡`i †hvM¨Zv, AwfÁZv, `¶Zv mPy viæfv‡e gj~ ¨vqb Kiv nq| cÖwZôv‡bi Kgx© ‡`i a‡i ivLvi †¶‡Î GKB c×wZ Abmy iY K‡i| 31‡k wW‡m¤i^ 2020 ch©šÍ †gvU Kgx© i msL¨v `vuwo‡q‡Q 115 Rb, hv 2019 Avw_K© eQ‡i wQj 147 Rb| wb‡qvM bxwZ Kg©x‡`i ‰ewPÎgq Kg©`¶Zv cÖwZôv‡bi kw³ mÂvi NUvq Ges mgwóMZ Kg©xevwnbx Mo‡Z mnvqZv K‡i| AvBGjGdGmGj me©`v wewfbœ †fŠMwjK Ae¯’vb, ag©, RvwZMZ †Mvôxi e¨w³‡`i wb‡qvM Ki‡Z B”QyK KviY GwU Kg©x‡`i mv‡_ AviI fvjfv‡e m¤úK© Ki‡Z I Mo‡Z mnvqZv K‡i| cvwikw« gK bxwZ cvwikÖwgK wbf©i K‡i Kg©x‡`i e¨w³MZ Kg©`¶Zv Ges Kg© mP~ K (†KwcAvB) Gi Dci| AvBGjGdGmGj Gi cÖew„ ׇK GwM‡q †bIqvi Rb¨, evRv‡ii †miv cwÖ Zfv‡K AvKó… K‡i Ges †mB m‡½ GKwU nvjbvMv` gvbem¤ú` bxwZgvjv GwU a‡i ivL‡Z mvnvh¨ K‡i| gvbem¤ú` bxwZgvjv Abyhvqx cwÖ Zôvb eZ©gvb A_‰© bwZK †cÖ¶vc‡Ui Dci wfwË K‡i †eZb wba©viY K‡i _v‡K| Dciš,Í cwÖ Zôvb wbgœwjwLZ mwy eav¸wjI c`Ö vb K‡i _v‡K| Kg©ms¯v’ b myweav  wb‡qvMKZ©vi Øviv wcGd Gi 10% Ae`vb  GbUvB‡Uj wnmv‡e cÖ‡Yv`bv  Kg¶© gZv-wfwËK †evbvm  evwl©K e…w×  Rv¡ jvwb fvZv  †gvevBj fvZv  MvÖ PBz wU  †gwW‡Kj w¯‹g  Drme AwMªg fvZv  ÷vd FY  GjGdG KgP© vix c‡`vbœwZ AvBGjGdGmGj Gi wb‡qvM bxwZ Abymv‡i †Kvb kb~ ¨c` c~i‡Yi cÖ‡qvRb n‡j Af¨šiÍ xY wb‡qvM‡K AMªvwaKvi †`q| GwU cwÖ Zôv‡bi Kg©x a‡i ivLvi †KŠk‡ji mv‡_ mvgÄm¨cY~ © †hLv‡b wbqwgZ c‡`vbœwZi gva¨‡g Kgx© ‡`i †cÖiYvgj~ K ¯Íi eRvq ivLvi gj~ gvcKvwV wnmv‡e wPwýZ Kiv nq| cÖwk¶Y I Dbqœ b cwÖ k¶Y Ges Dbœqb nj AvBGjGdGmGj Gi gvbem¤ú` bxwZgvjvi GKwU gj~ Dcv`vb| cÖwZôv‡bi gvbem¤ú` wefvM mKj wefv‡Mi c‡Ö qvRbxqvZvi Dci wfwË K‡i wbqwgZfv‡e mg¯Í cwÖ k¶‡Yi Av‡qvRb K‡i _v‡K| mKj ai‡Yi cwÖ k¶‡Yi welq¸‡jv eQ‡ii ïiæ‡ZB cwiwKíbv K‡i ivLv nq| GB cwiKíbvwU Kg©x‡`i mg¯Í cÖwk¶‡Yi Pvwn`v ci~ ‡Y mvnvh¨ K‡i Ges Zv‡`i `vwqZ¡ h_vh_fv‡e cvjb Ki‡Z c‡Ö qvRbxq Ávb I `¶Zv c`Ö vb Ki‡e| Annual Report 2020 International Leasing  25

†Pqvig¨vb g‡nv`‡qi e³e¨ wcqÖ †kqvi‡nvìviMY, cwiPvjbv cl©‡`i m`m¨e„›` f`gª wnjv I f`ªg‡nv`qMY Avgvi I †Kv¤úvwbi c¶ †_‡K ï‡f”Qv wbb| B›Uvib¨vkbvj wjwRs GÛ dvBb¨vwÝqvj mvwf‡© mm wjwg‡U‡Wi eZ©gvb I fwel¨r m¤ú‡K© gZwewbg‡qi my‡hvM †`qvi Rb¨ Avcbv‡`i I DcKvi‡fvMx‡`i Kv‡Q K…ZÁZv cKÖ vk KiwQ| Avcbviv mK‡jB GB cÖwZôv‡bi A-e¨e¯v’ cbv I wgwWqv U«vqvj Gi welqwU m¤ú‡K© AeMZ| Avwg gnvgvb¨ nvB‡KvU© KZK…© wb‡qvMcvÖ ß n‡q 1jv Ryb 2020 †_‡K cwiPvjbv cl`© I cwÖ Zôv‡bi Kgx© ‡`i wb‡q DËi‡Yi c‡Ö Póv Pvjvw”Q| GK`v AZ¨šÍ mdj GB cwÖ ZôvbwU AvR wU‡K _vKvi msMvÖ ‡g wjß| FY cÖ`v‡b †¯^”QvPvwiZv, RvgvbZ QvovB FY, my‡hvM ey‡S FYMÖnxZvi FY cwi‡kva bv Kiv, cwiPvjbv cl©‡`i AbygwZ QvovB FY wKsev wb‡`w© kZ RvgvbZ bv †bIqv Gi gj~ KviY| GQvovI GB Ae¯v’ i Rb¨ U¨v· KZb© Kiv n‡jI Rgv bv †`qv cÖvq 54 †KvwU UvKv; fyZy‡o 67 †KvwU UvKv AvgvbZ msM‡Ö ni Kwgkb, Awbqg I `ybx© wZ‡K `vqx Kiv hvq| Acic‡¶, AvgvbZKvix‡`i AvZw¼Z n‡q GKB mv‡_ mgy`q A_© †diZ PvIqv †Mv‡`i Ici wel‡dvu ov| m‡ev© cwi Kgx© ‡`i AwffveKnxb Ae¯v’ q AvZw¼Z n‡q AwbqwšZ¿ †PK Bm¨y gvgjvi mÎ~ cvZ NwU‡q GKw`‡K †hgb mby vg ÿbz œ Aciw`‡K gvgjvZ‡¼ cwiPvjbv cl©` I Kg©xiv w`‡knviv| GgbB †c¶Ö vc‡U Avgvi nvj aiv| AZtci FYMnÖ xZv‡`i GKvD›U wd«R I †KvwfW GB cÖwZôv‡bi Dci giY Kvgo| Z‡e B‡Zvg‡a¨ (Ryb 01, 2020 n‡Z b‡f¤i^ 30, 2021 chš© )Í FYMÖnxZv‡`i mv‡_ gy‡Lvgwy L mfvi gva¨‡g DØy× K‡i FY cby tZdwmjxKiY I e‡Kqv wKw¯Í Av`v‡qi gva¨‡g FY n‡Z †gvU Av`vq Kiv n‡q‡Q 166 †KvwU UvKv, bZzb AvgvbZ msMÖn n‡q‡Q cÖvq 2 †KvwU UvKv, Avmj I my` mn †gqv`x AvgvbZ eve` 1892 Rb MvÖ nK‡K 116 †KvwU UvKv c`Ö vb Kiv n‡q‡Q Ges me‡© gvU 532wU AvgvbZ wnmv‡ei 86 †KvwU UvKv m¤úY~ ©fv‡e bM`vqb Kiv n‡q‡Q I 1600 †KvwU UvKvi AvgvbZ bevqb Kiv n‡q‡Q| 26Annual Report 2020  International Leasing

2019 mv‡j cwÖ Zôvb KZ…K© KwZ©Z U¨v· I f¨vU eve` e‡Kqv wQj 54 †KvwU UvKv| hvi mv‡_ 2020 mv‡ji 22 †KvwU UvKv h³y n‡q †gvU cÖ‡`q `vovq 76 †KvwU UvKv| cÖvq 1 †KvwU UvKv Rgv †`qvi ci 31.12.2020 mv‡j †gvU e‡Kqv `vovq 75 †KvwU UvKv| Avgvi †hvM`v‡bi ci †_‡K U¨v· I f¨vU eve` 35 †KvwU UvKv KZb© Kiv nq hvi g‡a¨ cÖvq 3 †KvwU UvKv Rgv †`qv nq| D‡jøL¨ †h, Zvij¨ msKU, AvgvbZKvix MÖvnK‡`i Pvwn`v gZ UvKv c`Ö vb Kiv Ges my`mn AvgvbZ bevqb Kivi Rb¨ Avgiv m¤ú~Y© UvKv Rgv w`‡Z cvwi bvB| wKš‘ cwiPvjbv e¨q eve` KwZ©Z f¨vU I U¨v· Gi m¤ú~Y© A_© Rgv †`qv n‡q‡Q| 2020 mv‡j A_© Av`v‡qi Rb¨ †gvU 18wU gvgjv Kiv nq Ges Avgvi †hvM`v‡bi ci †_‡K †gvU 53wU gvgjv bZbz K‡i `v‡qi Kiv nq| eZg© v‡b cÖwZôv‡bi 181wU gvgjv Pjgvb i‡q‡Q hvi g~j¨ 929 †KvwU UvKv| 2020 mv‡j cÖwZôv‡bi weiæ‡× 24wU Ges Avwg †hvM`v‡bi ci †_‡K 10wU gvgjv `v‡qi Kiv n‡q‡Q| eZg© v‡b gnvgvb¨ D”P Av`vj‡Zi 11wU gvgjvmn me©‡gvU 45wU gvgjv Pjgvb i‡q‡Q hvi gj~ ¨ 156 †KvwU UvKv| 2020 mv‡j gxgvswmZ gvgjvi msL¨v 2wU hvi gj~ ¨ 0.68 †KvwU UvKv| Dciš‘ Avgiv Avgv‡`i mKj †mevMÖnxZv‡`i Av¯v’ ARb© I †mev cÖ`v‡b cÖwZkÖæwZe×| wec‡`i g‡y L B›Uvib¨vkbvj wjwRs GÛ dvBb¨vwÝqvj mvwf©‡mm wjwg‡UW †mev c`Ö vb Ae¨vnZ ivLvi Rb¨ e¨e¯v’ cbv cwiPvjKmn Kg©xiv ckÖ smvi †hvM¨| †KvwfW-19 G Avgiv Avgv‡`i †Kvb Kg©Pvix‡K QvUvB Kwi bvB| A_© mvkqª Kivi Rb¨ Avgiv Avgv‡`i avbgwÛ Awdm eÜ †NvlYv K‡iwQ| Rby 01, 2020 †_‡K Avgiv G chš© Í 56wU FY m¤ú~Y© Av`vq K‡iwQ hvi g~j¨gvb 128 †KvwU UvKv| BwZg‡a¨ Avgiv ¯^vfvweK Kvhµ© ‡gi Ask wn‡m‡e FY gÄiy I weZiY `xNw© `b e‡Üi ci cby ivq ïiæ K‡iwQ| gnvgvb¨ Av`vjZ KZ„K© g‡bvbxZ m¤§vwbZ 5 Rb ¯Z^ š¿ cwiPvjK mve©ÿwYK Avgv‡K Zv‡`i g~j¨evb mgq I wm×všÍ MnÖ ‡Y mnvqZv w`‡”Qb| cwiPvjbv cl©‡`i m`m¨M‡Yi mnvqZv Avgv‡K gy» K‡i‡Q| GB cÖwµqv Ae¨vnZ †i‡L Avgiv BwZg‡a¨ FY cÖ`vb cÖwµqvq wd‡i G‡mwQ Ges AwP‡iB †mev MnÖ xZv‡`i ú~Y© Av¯’vq wd‡i Avmvi Avkv ivwL| mKj‡K ab¨ev`| †gv. bRiæj Bmjvg Lvb †Pqvig¨vb Annual Report 2020 International Leasing  27

cÖavb Avw_©K m~PK 2020 2019 2018 2017 2016 K) Avw_©K mP~ K 2,018.44 (2,452.99) 5051.36 4,628.76 wgwjqb UvKvq †gvU Avq 4,613.16 5,138.85 4560.83 3,905.78 3,596.05 †gvU e¨q (2,370.39) 1,055.43 3,129.64 cwiPvjb gybvdv 4,388.83 (7,312.69) 814.50 3,573.33 710.99 Avw_©K LiPmg~n (6,909,22) 4,859.70 4236.85 2,885.06 Ki ce~ ©eZx© gybvdv 498.66 240.11 Ki ms¯’vb 33.03 (27,951.75 363.41 218.71 216.39 Ki cieZ©x gby vdv (6,942.25) 75.10 251.13 388.12 125.85 FY 41,287.22 112.29 38,018.23 32,478.24 `xN‡© gqv`x `vq 38,776.05 (28,026.84) 38984.87 39,635.35 31,728.38 cwi‡kvwaZ g~jab 40,267.68 39336.42 1,886.14 1,796.33 †kqvi‡nvìvi‡`i g~jab 2,218.10 38,433.89 2,112.48 2,709.36 2,321.25 (32,147.44) 2,218.10 2,821.65 (25,205.19) L) wewfbœ Avw_©K AbycvZ -23.74% -111.19% 4.06% 17.19% 6.06% bxU gj~ a‡bi wecix‡Z Av‡qi nvi (30.74) (126.38) 0.53 2.06 0.67 †kqvi cÖwZ Avq (0.82) 9.97 10.69 9.43 gj~ ab Ges `v‡qi Abcy vZ (144.85) (1.07) 14.36 12.31 †kqvi cwÖ Z bxU m¤ú` (113.63) 13.36 0.83 0.89 jf¨vsk c`Ö v‡bi Abcy vZ - 0.97 12% 5% jf¨vsk (nvi) - - 5% - 28 Annual Report 2020  International Leasing

Avw_K© m~PK µbwgsK weeiY 2020 2019 1 cwi‡kvwaZ g~jab 2,218,102,460 2,218,102,460 2 g~ja‡bi DØË„ /(NvUwZ) 1,218,120,460 1,218,120,460 3 †gvU gj~ ab (32,128,474,283) (25,310,881,088) 4 †gvU m¤ú` 45,974,807,868 44,873,939,429 5 †gvU AvgvbZ 26,825,734,307 27,514,420,090 6 †gvU jxR, FY Ges AMÖxg 40,393,001,609 38,768,512,831 7 †gvU cÖwZkÖæZ `vq 8 jxR, FY Ges AMÖxg Gi mv‡_ Avgvb‡Zi Abcy vZ 500,000,000 500,000,000 9 †kbÖ xK…Z †gvU jxR, FY Ges AMxÖ g 1.07% 1.02% 10 †kÖbxKZ… †gvU jxR, FY Ges AMÖxg Gi nvi 11 †kÖbxK…Z †gvU jxR, FY Ges AMxÖ g Gi wecix‡Z cwÖ fkb msiÿY 35,633,329,626 35,011,357,429 12 cwÖ fk‡bi NvUwZ/DØË„ 88.22% 90.31% 13 Ki cieZ©x gybvdv 14 e¨eüZ Znwe‡ji gby vdvi nvi 23,666,000,000 20,910,868,014 15 gybvdv ARb© Kvix m¤ú` - - 16 Ab¨vb¨ m¤ú` 17 wewb‡qv‡Mi wecix‡Z Av‡qi nvi (6,817,593,195) (28,033,359,431) 18 m¤ú‡`i wecix‡Z Av‡qi nvi 12.39% 12.29% 19 wewb‡qvM n‡Z Avq 20 †kqvi cwÖ Z cwiPvjb gby vdv 45,178,073,876 44,094,371,812 21 †kqvi cÖwZ Avq 796,733,992 779,567,617 -15.82% -65.83% -15.01% -62.54% 1,955,207 9,742,572 (10.50) (34.42) (30.74) (126.38) Annual Report 2020 International Leasing  29

Z_¨wP‡Î Avw_©K m~PKmg~n †kqvi‡nvìvi‡`i gj~ ab bxU m¤ú` 20,000 20,000 wgwjqb UvKv - wgwjqb UvKv - (20,000) 2020 2018 2016 2014 (20,000) 2014 2016 2018 2020 (40,000) (40,000) mvj mvj AvgvbZ †gvU m¤ú` wgwjqb UvKv 30,000 wgwjqb UvKv 50,000 20,000 10,000 - 2020 2018 2016 2014 - 2020 2018 2016 2014 wewb‡qvM cwiPvjb Avq wgwjqb UvKv 1,000 5,000 500 - wgwjqb UvKv - 2020 2018 2016 2014 mvj (5,000) 2020 2018 2016 2014 jxR, FY, AMxÖ g (10,000) mvj wgwjqb UvKv 50,000 2014 2016 2018 2020 30 Annual Report 2020  International Leasing

Z_¨wP‡Î Avw_K© mP~ Kmg~n my` Avq †kqvi cwÖ Z Avq wgwjqb UvKv 5,000 100.00 2020 2018 2016 2014 - mvj - 2020 2018 2016 2014 (100.00) (200.00) (5,000) †kÖbxK…Z F‡Yi nvi Znwej e¨‡qi nvi 100.00% 2018 2016 2014 15.00% 2018 2016 2014 mvj 10.00% mvj 50.00% 5.00% 0.00% 0.00% 2020 2020 bxU jvf gj~ ab chv© ßZvi Abcy vZ 50.00% 20,000 0.00% wgwjqb UvKv 0 -50.00% 2020 2018 2016 2014 -20,000 2020 2018 2016 2014 -100.00% -40,000 -150.00% mvj mvj †kqvi‡nvìvi‡`i wewb‡qv‡Mi wiUvb© 500.00% 0.00% 2014 -500.00% 2020 2018 2016 mvj Annual Report 2020 International Leasing  31

jf¨vsk c`Ö v‡bi BwZnvm eQi cwi‡kvwaZ g~jab (UvKv) †evbvm †kqvi jf¨vsk †gvU bM` 1997 60,000,000 15% 15% 1998 69,000,000 20% 15% 20% 1999 82,800,000 20% 15% 2000 82,800,000 13% 22% 20% 2001 82,800,000 35% 17% 22% 2002 82,800,000 25% 30% 2003 93,564,000 14% 15% 35% 2004 126,311,400 26% 40% 2005 157,889,200 10% 25% 40% 2006 180,000,000 15% 20% 25% 2007 230,000,000 75% 15% 30% 2008 253,000,000 60% 30% 2009 290,950,000 5% 5% 75% 2010 509,162,500 5% 60% 2011 1,629,320,000 5% 5% 5% 2012 1,710,786,000 5% 5% 2013 1,710,786,000 12% 5% 2014 1,710,786,000 5% 5% 2015 1,710,786,000 5% 2016 1,886,141,560 5% 2017 2,112,478,540 12% 2018 2,218,102,470 5% 2019 2,218,102,470 32 Annual Report 2020  International Leasing

mky vmb Ges Swyu K e¨e¯’vcbv g~jab Ges †kqvi‡nvwìs KvVv‡gv cwiPvjKe‡„ ›`i cwiwPwZ wbix¶v KwgwU Kvh©wbe©vnx KwgwU e¨e¯v’ cbv KwgwU SzuwK e¨e¯’vcbvi weeiYx

g~jab Ges †kqvi‡nvwìs KvVv‡gv g~ja‡bi weeiY UvKv Ab‡y gvw`Z g~jab 3,000,000,000 cÖwZwU 10 UvKv AwfwnZ g‡~ j¨i 300,000,000 wU mvaviY †kqv‡i wef³ 2,218,102,470 Bm¨y K…Z, wewjK…Z I cwi‡kvwaZ gj~ ab cÖwZwU 10 UvKv AwfwnZ g~‡j¨i 22,18,10,247 wU mvaviY †kqvi †kqvi‡nvwìs KvVv‡gv aviYKZ… †kqvi weeiY msL¨v % UvKvi cwigvY K) cwiPvjK g‡bvbqbKvix †Kv¤úvwbmgn~ 92,155,649 42% 921,556,490 k Iqv‡jm evsjv‡`k wjwg‡UW 38,515,754 17% 385,157,540 b¨vPvi G›UvicvÖ BR wjwg‡UW 181,515,600 we Avi B›Uvib¨vkbvj wjwg‡UW 18,151,560 8% 180,867,330 wbD‡UK G›UvicvÖ BR wjwg‡UW 18,086,733 8% 174,016,020 L) mvaviY †kqvi‡nvìviMY 17,401,602 8% 1,296,545,970 cwÖ Zôvb/K‡c©v‡iU 641,318,500 e¨w³ †kqvi‡nvìviMY 129,654,597 58% 653,674,800 Awbevmx evsjv‡`kx / we‡`kx †gvU (K +L) 64,131,850 29% 1,552,670 65,367,480 29% 2,218,102,460 0% 155,267 100% 221,810,246 34 Annual Report 2020  International Leasing

Rbve †gv. bRiæj Bmjvg Lvb †Pqvig¨vb †gv. bRiæj Bmjvg Lvb gvbbxq mywcgÖ †Kv‡Ui© nvB‡KvU© wefv‡Mi Av‡`‡k Ryb 01, 2020 Zvwi‡L ¯^Zš¿ cwiPvjK I †Pqvig¨vb wn‡m‡e B›Uvib¨vkbvj wjwRs GÛ dvBb¨vwÝqvj mvwf©‡mm wjwg‡UW Gi cwiPvjbv cl©‡` †hvM`vb K‡ib (2020 mv‡ji 19 gvP©, 2019 mv‡ji †Kv¤úvbxi g¨vUvi bs 299/2019)| Rbve Lvb wk¶v mwPe wn‡m‡e 2016 mv‡j Aemi †bqvi ci RvwZi RbK e½eÜy †kL gywReiy ingvb ¯§…wZ Rv`Ny ‡ii wKD‡iUi Gi `vwqZ¡ cvjb Ki‡Qb| GB Rv`yNi meK© v‡ji me‡© kôÖ evOvwji Rxeb I K‡gi© Abb¨ msMÖnkvjv| GQvovI wZwb mwPe wn‡m‡e AvBwmwU wefv‡M †hvM`v‡bi Av‡M gvbbxq caÖ vbgšx¿ †kL nvwmbvi GKvšÍ mwPe-1 wQ‡jb| GKB mv‡_ wZwb cÖavbgš¿xi Kvhv© j‡qi A¨v‡·m Uy Bbdi‡gkb †cvÖ MvÖ ‡gi RvZxq cÖKí cwiPvjK wn‡m‡e ÒwWwRUvj evsjv‡`kÓ ev¯eÍ vqb K‡i‡Qb| D‡jøL¨, gvbbxq caÖ vbgš¿xi msm‡` we‡ivax `jxq †bZv _vKvKvjxb Zuvi GKvšÍ mwPe-1 wn‡m‡eI KvR K‡i‡Qb| Rbve Gb AvB Lvb wk¶v Rxe‡b Abvm© I gv÷v‡m© cÖ_g †kYÖ x‡Z c_Ö g ¯v’ b AR©b K‡iwQ‡jb| AvBwmwU wefv‡Mi mwPe wnmv‡e wZwb †Rjv I Dc‡Rjvq BDAvBGmwm, B-mvwf©m †m›Uvi ¯v’ cb, wk¶vi gva¨‡g wd«j¨vÝvi M‡o †Zvjvmn wewfbœ Kgm© w~ P Ges cÖKí MÖn‡Yi gva¨‡g MÖvgxY RbM‡Yi Kv‡Q AvBwmwU †mev †cŠu‡Q †`Iqvi Rb¨ cÖavbgš¿xi wb‡`k© bvq KvR K‡ib Ges miKvwi Awdm¸‡jvi 25 nvRvi I‡qe mvBU I evsjv A¨vwcø†Kkb (A¨vcm) D™¢veb Ges weKv‡k Zuvi Ae`vb Ab¯^xKvh|© Rbve Lvb wmwbqi wmwfj mv‡R›© U‡`i g‡a¨ Ab¨Zg D™¢veK I ms¯‹viK| wZwb gvwëwgwWqv K¬vmiæg I wUPvi‡jW K‡›U›U †W‡fjc‡g‡›Ui D™v¢ eK| AvRI wkÿv evZvqb m‡MŠi‡e wkÿvq Ae`vb ivL‡Q| wZwb MYZvwšK¿ ms¯‹„wZ wkïKvj n‡Z PPv© i Rb¨ cÖv_wgK we`¨vj‡q wbev© wPZ “Students Council” Ges gva¨wgK we`¨vj‡q “Student Cabinet” Pvjy K‡i‡Qb| K‡j‡R fwZi© AbjvBb wm‡÷g K‡i `~bx© wZ I wkÿK‡`i jvÃbv `~i K‡i‡Qb| †Uwjwfkb UK‡kv I †mwgbv‡i caÖ vb e³v wn‡m‡e Zuvi Dcw¯’wZ wbqwgZ| `ÿ cÖwkÿK wn‡m‡e cwÖ kÿbv_x© ‡`i g~j¨vq‡b cÖ_g mvwii| wZwb cKÖ „wZ‡cgÖ x Ges Zvi wek¦ åg‡Yi Ávb ÒN I KhanÓ youtube channel Gi gva¨‡g mK‡ji mv‡_ †kqvi K‡ib| gj~ Zt wkÿv cwigÛ‡j KvR Ki‡jI †Kv‡U©i Av‡`‡k wec` k¼jz Avw_K© cÖwZôv‡bi nvj a‡i B›Uvib¨vkbvj wjwRs Gi MvÖ nK‡`i AvgvbZ †dir w`‡Z †`wi n‡jI †hb †Lvqv bv hvq Zvi Rb¨ wZwb Aw½Kvie×| kZ cwª ZK~jZvi g‡a¨I G chš© Í `wy U mvewmwWqvix aŸsm †_‡K jv‡fi gLy †`L‡Q| 532 Rb MÖvn‡Ki mg`y q A_© †diZ †`qv n‡q‡Q m`y mn hvi cwigvY me‡© gvU 86 †KvwU UvKv| FY wb‡q aŸsm nIqv Ab¨vb¨ cÖwZôvb‡K †Kv‡U©i gva¨‡g cybiæ¾xeb w`‡q my`mn AvgvbZ †diZ w`‡Z wZwb m‡Pó| Annual Report 2020 International Leasing  35

Rbve ˆmq` Avey bv‡mi eLwZqvi Avn‡g` ¯Z^ š¿ cwiPvjK Rbve ˆmq` Avey bv‡mi eLwZqvi Avn‡g` gvbbxq mywcÖg †Kv‡U©i nvB‡KvU© wefv‡Mi Ryb 16, 2021 Zvwi‡Li Av‡`‡k RyjvB 12, 2021 Zvwi‡L ¯Z^ š¿ cwiPvjK wn‡m‡e B›Uvib¨vkbvj wjwRs GÛ dvBb¨vwÝqvj mvwf‡© mm wjwg‡UW Gi cwiPvjbv cl‡© ` †hvM`vb K‡ib| `w¶Y Gwkqvq e¨vswKs †m±‡ii Dci 40 erm‡ii Mfxi AwfÁZv m¤úbœ I Áv‡bi AwaKvix GKRb cwÖ Z_ hkv e¨vsKvi Rbve Avn‡g` AvšRÍ v© wZKfv‡e ¯x^ KZ„ †ckv`vi e¨vsKvi| Rbve Avn‡g` AMYÖ x e¨vsK, cvÖ Bg e¨vsK I mvD_ B÷ e¨vsK wjwg‡UW Gi e¨e¯v’ cbv cwiPvjK Ges wmBI Gi `vwqZ¡ cvjb K‡ib| evsjv‡`k miKvi KZ…K© RvZxqKiYK…Z e¨vsK mg‡~ ni wel‡q weke¦ ¨vsK/AvBGgGd (IMF) Gi cby tMVb Kg©m~Pxi wel‡q Zvi `¶ e¨e¯v’ cbv I wbcyb †ckv`vwi‡Z¡i mby vg Av‡Q| evsjv‡`‡ki g‡Zv GKwU †`‡k evwYwR¨K fv‡e e¨vsK cwiPvjbvi †¶‡Î mdjZvi cixw¶Z GKRb e¨vsKvi ˆmq` Avey bv‡mi eLwZqvi Avn‡g`| wk¶vMZ †hvM¨Zv wn‡m‡e Rbve Avn‡g` XvKv wek¦we`¨vj‡qi AvBweG (IBA) †_‡K 1969 mv‡j e¨emvq ckÖ vm‡bi Dci gv÷vm© wWwMÖ ARb© K‡ib| evsjv‡`‡ki e¨vswKs Lv‡Zi Dbœq‡b D‡jøL‡hvM¨ Ae`v‡bi Rb¨ Rbve Avn‡g` eû RvZxq I AvšRÍ ©vwZK ciy ¯‹v‡i f~wlZ nb| wZwb dvBb¨vwÝqvj Gw·‡jÝ wjwg‡UW Gi GKRb cwiPvjK I †UªBW nve (evsjv‡`k) wjwg‡UW Gi e¨e¯’vcbv cwiPvjK| Rbve †gvt mwdKyj Bmjvg weÁ wmwbqi †Rjv I `vqiv RR (Aet) ¯^Zš¿ cwiPvjK Rbve †gvt mwdKyj Bmjvg weÁ wmwbqi †Rjv I `vqiv RR (Aet) gvbbxq mywcgÖ †Kv‡U©i nvB‡KvU© wefv‡Mi Ryb 16, 2021 Zvwi‡Li Av‡`‡k RyjvB 12, 2021 Zvwi‡L ¯^Zš¿ cwiPvjK wn‡m‡e B›Uvib¨vkbvj wjwRs GÛ dvBb¨vwÝqvj mvwf‡© mm wjwg‡UW Gi cwiPvjbv cl©‡` †hvM`vb K‡ib| wZwb XvKv wek¦we`¨vjq †_‡K 1984 mv‡j GjGjwe (Abvm)© Ges 1985 mv‡j GKB wek¦we`¨vjq †_‡K GjGjGg wWwMÖ jvf K‡ib| wZwb 1988 mv‡ji cÖ_g w`‡K mnKvix RR wn‡m‡e evsjv‡`k wmwfj mvwf©‡m †hvM`vb K‡ib| wZwb 34 eQ‡ii KgR© xe‡b evsjv‡`k wePvi wefv‡Mi wewfbœ ¸iæZc¡ ~Y© c‡` KvR K‡ib| †hgb: mnKvix RR, wmwbqi mnKvix RR, hyM¥ †Rjv Ges `vqiv RR, RR (A_© Fb Av`vjZ), Rwy Wwkqvj A¨vWwgwb‡÷ªkb †Uªwbs Bbw÷wUD‡Ui Dc-cwiPvjK (evsjv‡`‡k wePviK‡`i Rb¨ GKgvÎ cÖwk¶Y Bbw÷wUDU), AwZwi³ †Rjv I `vqiv RR, Pxd Rwy Wwkqvj g¨vwR‡÷ªU, cwiPvjK (`by x© wZ `gb Kwgkb), RR (bvix I wkï wbh©vZb `gb Uvª Bey¨bvj), †Rjv I `vqiv RR, wmwbqi †¯úkvj RR (`yb©xwZ msµvš)Í , RywWwkqvj A¨vWwgwb‡÷kª b †Uªwbs Bbw÷wUDU, XvKv Gi cwiPvjK (cÖwkÿY), m`m¨ (kgÖ Avcxj UªvBe¨y bvj, XvKv), we‡kl RR (`by x© wZ msµvšÍ) Ges wmwbqi †Rjv I `vqiv RR (Awdmvi †MWÖ -1)| mnKvix RR wn‡m‡e †hvM`v‡bi Av‡M wZwb DËiv e¨vsK wjwg‡UW Gi cÖ‡ekbvix Awdmvi wn‡m‡e `vwqZ¡ cvjb K‡ib| wZwb jvIm †_‡K Ry‡fbvBj Rvw÷m wm‡÷g Ges fviZ †_‡K wmwfj GÛ wµwgbvj Rvw÷m wm‡÷g Gi Dci D”PZi cÖwk¶Y MnÖ Y K‡ib| 36 Annual Report 2020  International Leasing

weª‡MwWqvi †Rbv‡ij †gv. †gdZvDj Kwig weGmwc, Gmwcwc, wewcGg, GbwWwm, wcGmwm (GjwcAvi) ¯^Zš¿ cwiPvjK we‡ª MwWqvi †Rbv‡ij †gv. †gdZvDj Kwig weGmwc, Gmwcwc,wewcGg, GbwWwm,wcGmwm (GjwcAvi) gvbbxq mywcgÖ †Kv‡U©i nvB‡KvU© wefv‡Mi Ryb 16, 2021 Zvwi‡Li Av‡`‡k RyjvB 12, 2021 Zvwi‡L ¯^Zš¿ cwiPvjK wn‡m‡e B›Uvib¨vkbvj wjwRs GÛ dvBb¨vwÝqvj mvwf‡© mm wjwg‡UW Gi cwiPvjbv cl©‡` †hvM`vb K‡ib| weª‡MwWqvi †Rbv‡ij †gv. †gdZvDj Kwig, weGmwc, Gmwcwc, wewcGg, GbwWwm, wcGmwm (GjwcAvi) `xN© 33 eQi evsjv‡`k †mbvevwnbx‡Z `vwqZ¡ cvjbiZ Ae¯v’ q †bZ…Z¡, †KŠkjMZ cwiKíbv, gvbe m¤ú` e¨e¯’vcbv (GB- PAviGg), gvbe m¤ú` Dbqœ b (GBPAviwW), Acv‡ikÝ, cÖkvmb, mieivn, wbivcËv, Z`šÍ BZ¨vw` †¶‡Î e¨vcK AwfÁZv AR©b K‡ib| †mbvevwnbxi cvkvcvwk wZwb wW‡i±‡iU †Rbv‡ij Ae †dv‡m©m B‡›Uwj‡RÝ (wWwRGdAvB), †¯úkvj wmwKDwiwU †dvm© (GmGmGd), i¨vwcW A¨vKkb e¨vUvwjqb (i¨ve) †dv‡mm© , eWv© i MvW© evsjv‡`k (wewR- we) Ges we‡kl Z`šÍ kvLvq `vwqZ¡ cvjb K‡ib| wZwb †mbvevwnbx, i¨ve I wewRwe e¨vUvwjq‡bi †bZ…Z¡ †`b| wZwb GKwU ¯^Zš¿ Ges di‡gkv‡bi Aax‡b AvwU©jvwi weª‡M‡Wi KgvÛvi wn‡m‡e `vwqZ¡ cvjb K‡ib| wZwb Rvbyqvwi 01, 2021-G GjwcAvi-G hvevi c~‡e© evsjv‡`k BDwbfvwmw© U Ae cÖ‡dkbvjm (weBDwc)-Gi †iwR÷«vi wn‡m‡e `vwqZ¡ cvjb K‡ib| we‡ª MwWqvi †Rbv‡ij †gv. †gdZvDj Kwig, weGmwc, Gmwcwc, wewcGg, GbwWwm, wcGmwm (GjwcAvi) b¨vkbvj wW‡dÝ K‡jR †_‡K b¨vkbvj wW‡dÝ †Kvm© (GbwWwm) Ges wW‡dÝ mvwf©‡mm KgvÛ GÛ ÷vd K‡jR †_‡K ÷vd †Kvmm© n †`‡k Ges we‡`‡k cÖwkÿY m¤úbœ K‡ib| wZwb mvgwMKÖ fv‡e †`‡k Ges mswkóø msMVb/ms¯’vq Zuvi mvnm, wbôv I †`k †cÖ‡gi ¯^xKw… Z ¯i^ ƒc evsjv‡`k †mbvevwnbx †_‡K 'wewkó †mev c`K (weGmwc)' I '†mbv cvi`wk©Zv c`K (Gmwcwc)' Ges evsjv‡`k cywj‡ki c¶ †_‡K 'evsjv‡`k cwy jk c`K (wewcGg)' AR©b K‡ib| weª‡MwWqvi †gdZv di‡gkb chv© ‡q 'RvZxq ï×vPvi' ciy ¯‹viI AR©b K‡ib| we‡ª MwWqvi †Rbv‡ij †gdZv RvwZmsN wgk‡b 'e-yø †nj‡gU'-Gi e¨vbv‡i BivK-K‡y qZ AeRvi‡fkb (BDwbKg) G cÖ‡fv÷ Awdmvi BDbvB‡UW †bkb&m GÛ Avwd«Kvb wgkb Bb `vidyi (BDbvwgW) G †dvm© cÖ‡fv÷ gvk©vj (Gdwc- Gg) wn‡m‡e `vwqZ¡ cvjb K‡ib| wZwb A‡÷ªwjqv, `w¶Y †Kvwiqv, Pxb, ivwkqv, BZvwj, wm½vcyi mn we‡ki¦ wekwUiI †ewk †`‡k ågY K‡ib| Zuvi myLx `v¤úZ¨ Rxe‡b wZwb `yB mšÍv‡bi RbK| Zvu i cÎy mšvÍ b evsjv‡`k †mbvevwnbx‡Z Awdmvi wn‡m‡e wcZvi c`v¼ AbymiY Ki‡Qb Ges Kb¨v mšvÍ b evsjv‡`k BDwbfvwm©wU Ae c‡Ö dkbvjm& (weBDwc) G Aa¨qbiZ| Annual Report 2020 International Leasing  37

e¨vwi÷vi gynv¤§` Avkivd Avjx ¯Z^ š¿ cwiPvjK e¨vwi÷vi gynv¤§` Avkivd Avjx gvbbxq mwy cÖg †Kv‡Ui© nvB‡KvU© wefv‡Mi Rby 16, 2021 Zvwi‡Li Av‡`‡k Rjy vB 12, 2021 Zvwi‡L ¯Z^ š¿ cwiPvjK wnmv‡e B›Uvib¨vkbvj wjwRs GÛ dvBb¨vwÝqvj mvwf©‡mm wjwg‡UW Gi cwiPvjbv cl‡© ` †hvM`vb K‡ib| e¨vwi÷vi gny v¤§` Avkivd Avjx A¨vW‡fv‡KU nvmvb d‡qR wmwÏKxi mv‡_ mn‡hvMx AvBbRxex wn‡m‡e KvR K‡ib| wZwb 1999 mv‡j evsjv‡`k evi KvDw݇j bw_fy³ nb| wZwb 2001 mv‡j evsjv‡`‡ki mwy cgÖ †Kv‡Ui© nvB‡KvU© wefv‡M A¨vW‡fv‡KU wnmv‡e Ges 2009 mv‡j evsjv‡`‡ki mywcÖg †Kv‡Ui© Avwcj wefv‡M bw_f³y nb| †mvmvBwU Ad †MÖ'm Bb, b‡f¤i^ 2007 Øviv wZwb e¨vwi÷vi AwfwnZ nb| †ckvMZ Rxe‡b wZwb gvbbxq mwy cÖg †Kv‡U©i Dfq wefv‡M wewfbœ ¸iæZc¡ Y~ © gvgjv cwiPvjbv K‡ib| wZwb evsjv‡`k mywcÖg †KvU© AvBbRxex mwgwZi GKRb m¤§vbxZ m`m¨| Rbve †gv. Gbvgyj nvmvb GdwmG ¯^Zš¿ cwiPvjK Rbve †gv. Gbvgjy nvmvb GdwmG, gvbbxq mwy cgÖ †Kv‡Ui© nvB‡KvU© wefv‡Mi Rby 16, 2021 Zvwi‡Li Av‡`‡k RyjvB 12, 2021 Zvwi‡L ¯^Zš¿ cwiPvjK wn‡m‡e B›Uvib¨vkbvj wjwRs GÛ dvBb¨vwÝqvj mvwf‡© mm wjwg‡UW Gi cwiPvjbv cl©‡` †hvM`vb K‡ib| Rbve nvmvb evsjv‡`‡ki GKwU ¯b^ vgab¨ wmG dvg;© GBP Gg Gbvg GÛ †Kvs PvUv© W© A¨vKvD›U¨v›Um Gi cÖwZôvZv Askx`vi| wZwb Bbw÷wUDU Ad PvUv© W© A¨vKvD›U¨v›Um Ad evsjv‡`k (AvBwmGwe) Gi GKRb †d‡jv m`m¨| wZwb 2004 mv‡j XvKv wekw¦ e`¨vjq †_‡K A¨vKvDw›Us GÛ Bbdi‡gkb wm‡÷g wefvM n‡Z weweG Ges 2007 mv‡j GKB wefvM †_‡K GgweG K‡ib| Rbve nvmvb 2016 mv‡j PvU©vW© A¨vKvD›U¨vwÝi †ckv ïiæ K‡ib| wZwb BDGbwWwc, BDGbwmwWGd, wek¦e¨vsK Ges Ab¨vb¨ `vZvms¯v’ i Rb¨ wewfbœ Avw_K© /A_©‰bwZK chv© ‡jvPbv-m¤úwKZ© cÖKí, K‡cv© ‡iU welqK AwZwi³ we‡klxKiY mn wewfbœ K‡cv© ‡ik‡b Af¨šiÍ xY wbix¶v, A¨vKvDw›Us cwi‡lev, cKÖ í g~j¨vqb cKÖ ‡íi K‡cv© ‡iU A_©vqb m¤úwKZ© KvRmn †emiKvix Lv‡Zi wnmve wbixÿvq AZ¨šÍ AwfÁ GKRb †ckvRxex wnmvewe`| GKRb c‡Ö dkbvj PvU©vW© A¨vKvD›U¨v›U wnmv‡e wnmve weeiYx cÖ¯‘Z I i¶Yv‡e¶Y, A¨vKvDw›Us wm‡÷g cÖeZb© Ges D™¢veb, Af¨šiÍ xY wbqšY¿ e¨e¯v’ i Dbwœ Z cix¶v Ges mycvwik Kiv, e¨emvq gj~ ¨vqb, cÖwKDi‡g›U e¨e¯’vcbv wm‡÷g bKkv Kiv, A¨vKvD‡›Ui Z`šÍ, ev‡RU wbqšY¿ Ges Avw_K© e¨e¯’vcbvq DbœwZi cÖ¯vÍ e Kiv, µq Ges ÷K wbqš¿Y wm‡÷g BZ¨vw`‡Z e¨vcK AwfÁZv AR©b K‡ib| wZwb evsjv‡`‡ki wecjy msL¨K Drcv`b I e¨emvwqK cÖwZôvb Ges Avw_©K cwÖ Zôv‡b mswewae× I A-mswewae× wbix¶v cwiKíbv I cwiPvjbv, K‡c©v‡iU mykvmb wbwðZ KiYmn AvqKi I gymK civgk©K wnmv‡e AZ¨šÍ mybv‡gi mv‡_ `k eQ‡ii AwaK mgq a‡i KvR K‡i hv‡”Qb| 38 Annual Report 2020  International Leasing

Ab¨vb¨ cwiPvjKMY cwiPvjKM‡Yi bvg Ges c`ex wb‡qv‡Mi ZvwiL cwiPvjKM‡Yi aiY weeiY Rbve †gv. byiæj Avjg †g 11, 2011 g‡bvbxZ cwiPvjK k Iqv‡jm wewW wjwg‡UW Gi g‡bvbxZ cwiPvjK | Rbve †gv. Aveyj nv‡kg †deæª qvix 19, 2016 g‡bvbxZ cwiPvjK k Iqv‡jm wewW wjwg‡UW Gi g‡bvbxZ cwiPvjK | Rbve †gv. Av‡bvqviæj Kwei †g 07, 2015 g‡bvbxZ cwiPvjK we.Avi B›Uvib¨vkbvj wjwg‡UW Gi g‡bvbxZ cwiPvjK| Rbve evmy‡`e e¨vbvwR© †g 16, 2015 g‡bvbxZ cwiPvjK we.Avi B›Uvib¨vkbvj wjwg‡UW Gi g‡bvbxZ cwiPvjK| Rbve bvwmg Av‡bvqvi, GdwmG †g 16, 2015 g‡bvbxZ cwiPvjK wbD‡UK B›UvicvÖ BR Gi g‡bvbxZ cwiPvjK | Rbve †gv. bI‡kiæj Bmjvg †g 07, 2015 g‡bvbxZ cwiPvjK †bPvi B›UvicvÖ BR wjwg‡UW Gi g‡bvbxZ cwiPvjK| Rbve †gv. Avejy nv‡mg (Gg G nv‡kg) A‡±vei 30, 2016 ¯Z^ š¿ cwiPvjK - Annual Report 2020 International Leasing  39

wbix¶v KwgwU †Pqvig¨vb m`m¨ Rbve †gv. Gbvgyj nvmvb, GdwmG m`m¨ Rbve ‰mq` Avey bv‡mi eLwZqvi Avn‡g` m`m¨ Rbve †gv. mwdKjz Bmjvg, weÁ wmwbqi †Rjv I `vqiv RR (Aet) m`m¨ we‡ª MwWqvi †Rbv‡ij †gv. †gdZvDj Kwig weGmwc, Gmwcwc, wewcGg, GbwWwm, wcGmwm (GjwcAvi) e¨vwi÷vi †gv. Avkivd Avjx Kvhw© be©vnx KwgwU †Pqvig¨vb m`m¨ Rbve ‰mq` Avey bv‡mi eLwZqvi Avn‡g` m`m¨ Rbve †gv. mwdKzj Bmjvg, weÁ wmwbqi †Rjv I `vqiv RR (Aet) m`m¨ weª‡MwWqvi †Rbv‡ij †gv. †gdZvDj Kwig weGmwc, Gmwcwc, wewcGg, GbwWwm, wcGmwm (GjwcAvi) m`m¨ e¨vwi÷vi †gv. Avkivd Avjx Rbve †gv. Gbvgjy nvmvb, GdwmG c`vwaKvi e‡j e¨e¯’vcbv cwiPvjK e¨e¯v’ cbv KwgwU Rbve †gv. gwkDi ingvb †Pqvig¨vb Rbve †gv¯dÍ v gyqx`iy ingvb m`m¨ Rbve Avj gvgyb †mvnvM m`m¨ Rbve †gvnv¤§` †gvqv‡¾g †nv‡mb m`m¨ †gv. Rbve †iRvDj Bmjvg m`m¨ Rbve Avey †gv. Avj gvgyb m`m¨ wgw_jv Bqvmwgb nK m`m¨ Rbve Rwmg DwÏb Lvb m`m¨ Rbve †gv. gwbiæ¾vgvb m`m¨ Rbve †`evkxl emvK m`m¨ mvnvbv Av³vi mxgv m`m¨ Rbve Avjvwgb AvL›` m`m¨ Rbve †gv. Avwgi †nv‡mb †mv‡nj m`m¨ Rbve †gv. Avmv`y¾vgvb m`m¨ 40 Annual Report 2020  International Leasing

Swuz K e¨e¯v’ cbvi weeiYx fwel¨r AwbwðZ Ges avivevwnKfv‡e Avw_K© cfÖ vemn NUbvejxi mvd‡j¨i ce~ ©vfvm †`IqvI KwVb| Z‡e, AwbðqZv †_‡K D™¢‚Z Avw_©K Suwz K cwiPvjbv Kiv †h‡Z cv‡i| cÖKZ… c‡¶ Suwy K e¨e¯v’ cbv - Sywu K kbv³ Kivi, Gi cwiYwZ¸‡jv cwigvc Kivi Ges †mB Abhy vqx c`‡¶c †bIqv hv SyuwK ¯’vbvšÍi ev ckÖ wgZ Kivi ¶gZv evovq| AvaywbK SzuwK e¨e¯’vcbvi me‡P‡q ¸iæZc¡ Y~ © w`K¸‡jvi g‡a¨ GKwU nj `¶Zv, Swuy Ki g~j¨ wbav© i‡Yi ¶gZv Ges e¨emvwqK Kvh©Kjv‡c M…nxZ SuywK¸‡jv‡K h_vh_fv‡e cyi¯‹…Z wbwðZ Kiv| Suwy K e¨e¯v’ cbv n‡jv cÖK…Zc‡¶ Avw_K© cÖwZôvb¸‡jv Kxfv‡e mwµqfv‡e SuywKi aiY Ges ¯iÍ wbe©vPb K‡i hv Abygvb Kiv| †ewkifvM e¨emvwqK wm×všÍ fwel¨‡Zi AwbwðZ Av‡qi Rb¨ eZg© vb m¤ú‡`i mwVK e¨envi wbwðZ Kiv| AvBGjGdGmGj me`© v wbw`©ó cwigv‡Y Szwu Ki g‡y Lvgwy L nq| GB ai‡bi Swyu K e¨e¯v’ cbv memgq cwÖ Zôv‡bi Rb¨ cÖavb D‡Ø‡Mi welq| eZg© vb cwÖ Z‡hvwMZvgj~ K Avw_©K Ges A_©‰bwZK cwi‡e‡k, †kqvi‡nvìvi‡`i †UKmB g~j¨ ew… ×i Rb¨ KvhK© i SyuwK e¨e¯’vcbv Avek¨K| AvBGjGdGmGj-Gi SuzwK e¨e¯v’ cbvi c×wZi welqwU †Kej wbqš¿K D‡Ï‡k¨ bq, †Kv¤úvwbi gvb Dbœqb Kivi Rb¨I| SuywK e¨e¯v’ cbvi caÖ vb D‡Ïk¨ nj e¨emvwqK Swyu K mwVKfv‡e MYbv K‡i †Kv¤úvwbi m¤ú` i¶v Kiv Ges wewfbœ SuywK we‡ePbv K‡i gybvdv ARb© Kiv| AvBGjGdGmGj 18 †m‡Þ¤i^ , 2005 Zvwi‡L evsjv‡`k e¨vsK KZK©… Rvwi Kiv \"Avw_©K cwÖ Zôv‡bi gj~ Swuy K e¨e¯v’ cbvi Rb¨ wb‡`w© kKv\" Ges 24 Rvbyqvix, 2016 Zvwi‡L wWGdAvBGg mvKjz© vi bs 03 Gi Aax‡b evsjv‡`k e¨vsK KZ©…K Rvwi Kiv \"Avw_K© cÖwZôv‡bi Rb¨ mgwšZ^ Suwy K e¨e¯v’ cbv wb‡`©wkKv\" †g‡b P‡j| SyuwKi KviY¸‡jvi Dci `p… AvšÍtwefvMxq †hvMv‡hvM Kvi‡Y AvšÍtwefvM, KwgwU Ges EaŸZ© b e¨e¯v’ cbvi g‡a¨ wm×všÍ MnÖ ‡Y mn‡hvwMZv cÖwZôvbwU‡K KvhK© i Swuy K e¨e¯’vcbvq mnvqZv K‡i| †e‡mj-2 mycvwik MnÖ ‡Yi mv‡_ Kvh©Ki SuywK e¨e¯v’ cbvi h³y hv AvBGjGmGj‡K gj~ ab m¤úmª viY Ges SuzwK I Znwej e¨q‡K AbyK‚j K‡i| 1. †µwWU Swuz K FYMnÖ xZv, Avw_©K cÖwZôv‡bi mv‡_ m¤§Z kZv© w` Abyhvqx Zvi A_© cÖ`v‡bi `vq¸‡jv ci~ Y Ki‡Z e¨_© n‡e Ggb m¤v¢ ebv †_‡K F‡Yi SyuwKi D™¢e| GwU‡Z Avw_©K cwÖ Zôv‡bi cvIbv cwi‡kva Ges mgqgZ cwi‡kv‡ai †¶‡Î DfqB AwbðqZv AšfÍ ³z© i‡q‡Q| †µwWU Swuy Ki Rb¨ Mn„ xZ e¨e¯v’ t  g~j e¨emv‡qi †¶Î †e‡Q †bIqvi Rb¨ we‡kl‡Ái gZvgZ|  ¸YMZgvb wbwðZ Kivi Rb¨ kw³kvjx FY we‡klø Y|  Swuz Ki wfwˇZ gj~ ¨ wba©viY|  Rvgvb‡Zi chv© ßZv Ges F‡Yi h_vh_ miy ¶vi AšfÍ ~©³KiY|  †cvU‡© dvwjI Ges †jb‡`‡bi weweaKiY|  †µwWU SzuwK †iwUs Ges †¯‹vwis c×wZ e¨envi|  SzuwK Ges FY ckÖ vm‡bi Dci bRi`vwi|  cwÖ Z‡ivagj~ K wbqš‡¿ Yi gva¨‡g cÖkgb|  GKK MnÖ xZvi F‡Yi mxgv eRvq ivLv| 2. evRvi SuzwK evRv‡ii Sywu K n‡jv evRv‡ii cwieZ©bkxj cwieZb© †hgb my‡`i nvi, Rvgvb‡Zi g~j¨, BK¨By wU m~P‡Ki ¯Íi, wewbgq nvi, c‡Y¨i `vg Ges mvaviY F‡Yi cÖmvi| Annual Report 2020 International Leasing  41

evRviSwyu Ki Rb¨ Mn„ xZ e¨e¯v’ t  fwel¨‡Zi Rb¨ bZzb cY¨¸‡jvi (Znwe‡ji e¨q, my‡`i nvi) Rb¨ AviI bZbz e¨emvwqK †¶Î¸‡jv mÜvb Kiv|  `xN©‡gqv`x e¨emvwqK cwiKíbv|  wbqwgZ wfwˇZ Znwej Ges evRv‡ii nvi ch‡© e¶Y|  Ab¨vb¨ cÖwZôv‡bi mv‡_ A‡hŠw³K I Ab¨vq cÖwZ‡hvwMZv Gov‡Z c`‡¶c MnÖ Y|  Sywu K wfwËK gj~ ¨ wbav© iY|  miKvix bxwZ I ivR‰bwZK cwiw¯w’ Z we‡ePbvq †bIqv| 3. Zvij¨ SuywK Zvij¨ Swuz K ZLb N‡U hLb †Kvb Avw_K© cwÖ Zôvb ¯^í-†gqv`x `vqe×Zv¸‡jv ci~ Y Ki‡Z cv‡i bv| †µZv‡`i Afve ev A`¶ evRv‡ii Kvi‡Y Avw_©K cwÖ Zôvb g~jab Ges Avq †Q‡o bv w`‡q †KvbI m¤c` bM‡` iƒcvšiÍ Ki‡Z cv‡i bv| Zvij¨Suwy Ki Rb¨ Mn„ xZ e¨e¯’v t  ¯^í †gqv`x FY mvkqª x g~‡j¨i mv‡_ m¤c‡`i wgjnxbZv Gov‡Z `xN‡© gqv`x F‡Yi e¨e¯v’ Kiv|  wbR¯^ Drm mn Znwe‡ji wewfbœ Drm|  Kvh©Ki bM` ceÖ vn cwiKíbv|  AvBbx KvVv‡gvi g‡a¨ me©vwaK msM‡Ö ni cÖ‡Póv|  ¯’vbxq Ges we‡`kx Drm¸‡jv †_‡K ¯^í e¨qhy³ Z‡e `xN©‡gqv`x A‡_i© mÜvb Kiv|  `¶ Ges Kvh©Ki m¤ú` `vq e¨e¯v’ cbv KwgwU| 4. Acv‡ikbvj SzuwK Acv‡ikbvj SyuwK n‡jv Achv© ß ev e¨_© Af¨šiÍ xY cÖwµqv, gvbyl Ges c×wZ ev evwn¨K NUbv¸‡jvi d‡j ¶wZi Swuy K| hvi g‡a¨ AvBbx SuzwK AšfÍ z³© i‡q‡Q Z‡e †KŠkjMZ I mybvgMZ SyuwK AšÍf©z³ †bB| Acv‡ikbvj Swuy Ki Rb¨ M…nxZ e¨e¯’v t  kw³kvjx gvbe m¤ú` bxwZ|  cÖwk¶Y Ges Kgx© ‡`i Dbœqb|  cÖwZ‡hvMxZvg~jK cvwikwÖ gK c¨v‡KR mn mwVK RvqMvq mwVK e¨w³ wbe©vPb|  meRy Awdm wb‡`w© kKv|  kw³kvjx Z`viwK wbqšY¿ |  mZZv wbwðZ Kivi c‡Ö Póv|  KvhK© i wbivcËv e¨e¯v’ | 5. mby vgMZSwzu K mby vgMZ SzuwK n‡jv GKwU Avw_©K cwÖ Zôv‡bi L¨vwZ‡Z ¶wZ RwbZ Swuz K †hgb nviv‡bv ivR¯;^ ewaZ© Acv‡iwUs, gj~ ab ev wbqš¿K LiP; ev †kqv‡ii gj~ ¨ n«vm, Avw_©K cÖwZôv‡b †`vlx bv cÖgvwYZ n‡jI GKwU weiƒc ev m¤¢ve¨ Acivag~jK NUbvi dj¯i^ ƒc| mvaviYZ mybvgMZ Swuz Ki mv‡_ m¤cwK©Z cwÖ ZK‚j NUbv¸‡jvi g‡a¨ i‡q‡Q bxwZkvmb, miy ¶v, ¯’vwqZ,¡ ¸Ygvb Ges bZbz Z¡| mybvgMZ Swuy K K‡c©v‡iU wekv¦ ‡mi welq n‡Z cv‡i| Acv‡ikbvj SuywKi Rb¨ Mn„ xZ e¨e¯’v t  wbqšK¿ ms¯v’ i cvkvcvwk ewnivMZ FY †iwUs G‡RwÝ KZK…© m‡šÍvlRbK Dbwœ Zi †iwUs|  MÖvnK †mev Ges Awf‡hvM e¨e¯’vcbvi Kvh©Kix Kvh©µg| 42 Annual Report 2020  International Leasing

6. †KŠkjMZ SzuwK †KŠkjMZ SuywK n‡jv †mB Suwy K hv †gŠwjK wm×vš¸Í ‡jv †_‡K D™¢Z~ nq Ges hv cwiPvjKiv GKwU cwÖ Zôv‡bi D‡Ïk¨ m¤ú‡K© MÖnY K‡ib| gj~ Z, †KŠkjMZ Swyu K n‡jv GB e¨emvwqK D‡Ïk¨¸‡jv AR‡© b e¨_© nIqvi Suwy K| †KŠkjMZ SuywKi Rb¨ M…nxZ e¨e¯v’ t  mveav‡b ev‡RU c¯Ö w‘ Z|  mveav‡b MÖvnK wbev© Pb|  gybvdv j¶¨ AR©‡bi c‡Ö Póv|  j¶¨ AR‡© bi Rb¨ G›UvicÖvBR wi‡mvm© g¨v‡bR‡g›U wm‡÷g cÖwZôv| 7. cwicvjb Swuz K cwicvjb Suwz K n‡jv AvBb, wewa-weavb, wba©vwiZ Abky xjb, Af¨šiÍ xY bxwZ Ges c×wZ, ev ˆbwZK gvb¸‡jvi j•Nb, ev A-mvd‡j¨i d‡j cvÖ ß DcvR©b ev g~ja‡bi eZg© vb Ges m¤v¢ e¨ Suwz K| cwicvjb Suwy Ki Rb¨ M„nxZ e¨e¯v’ t  †K›`ªxq cwicvjb BDwbU (wmwmBD) cÖwZôv|  cwicvjb ms¯‹…wZ Abykxjb|  h_vh_ cwicvjb KvVv‡gvq eivÏ|  wbqšK¿ ‡`i cwicvjb wbwðZ Kiv| 8. A_© cvPv‡ii Suwz K mv¤cÖwZK eQi¸‡jv‡Z evsjv‡`‡k cwiPvwjZ Avw_©K cÖwZôvb¸‡jv Zv‡`i wnmvei¶‡Ki gva¨‡g msNwUZ †dŠR`vwi Kvh©Kjvc mbv³ Ges Zv‡`i cÖwZ‡e`b Kivi AvBbx eva¨evaKZv ci~ Y Ki‡Z e¨_Z© vi Rb¨ wbqšK¿ ‡`i KvQ †_‡K AfZ‚ ce~ © Z`‡šÍi gy‡LvgywL n‡q‡Q| GB Z`‡šiÍ cZÖ ¨¶ Ges m¤v¢ e¨ my`~icÖmvix cwiYwZ †KejgvÎ Avw_©K cwÖ Zôvb¸‡jvi Rb¨B bq, Zv‡`i MÖvnKiv Gw›U-gvwb jÛvwis‡qi (GGgGj) cwicvj‡bi SzuwKi †evSv †`L‡Qb| A_© cvPv‡ii SyuwKi Rb¨ Mn… xZ e¨e¯v’ t  A_© cvPvi Ges mš¿vmev‡` A_v© q‡bi NUbv wPwýZKiY Ges cÖwZ‡e`b Kivi Rb¨ Af¨šÍixY bxwZgvjv, c×wZ Ges wbqš¿Y¸‡jv ¯’vcb Ges Kvh©Ki Kiv|  wPd A¨vw›U gvwb jÛvwis Awdmvi (wmGGgGjwmI), †Wcwy U wPd A¨vw›U gvwb jÛvwis Awdmvi (wWwmGGgGjwmI), kvLv A¨vw›U gvwb jÛvwis Awdmvi (weGGgGjwmI) wba©vwiZ `vwqZ¡ mn wb‡qvM|  Awew”Qbœ Kg©Pvix Dbœqb I m‡PZbZv cÖwk¶Y Kvhµ© g|  weGdAvBBD-†Z wbqwgZ cÖwZ‡e`b `vwLj| 9. cwi‡ekMZ I mvgvwRK SuzwK e¨e¯’vcbv AebwZkxj cwi‡ekMZ cwiw¯w’ Z Ges Rjevqy cwieZb© m¤úwK©Z A_v© qb †_‡K D™~¢Z SyuwK| GB cwi‡ekMZ Ges mvgvwRK SyuwK¸‡jv‡K A_v© q‡bi wm×v‡šiÍ Ask wnmv‡e we‡ePbv Ki‡Z e¨_© n‡j Avw_©K cÖwZôv‡b Ajm FY ew… × cv‡e| cwi‡ekMZ Ges mvgvwRK Sywu K¸‡jv n‡jv cwi‡ekMZ Ges mvgvwRK mgm¨v †_‡K D™Z~¢ FY Suwy Ki myweavRbK Dcv`vb| Avw_©K †jb‡`‡bi cwi‡cÖw¶‡Z AwbðqZv ev ¶wZi m¤v¢ ebv wb‡q Avmvq G¸‡jv Swuy K evovq| cwi‡ekMZ I mvgvwRK Swyu Ki Rb¨ M…nxZ e¨e¯’v t  cÖ_vMZ e¨vswKs‡qi †P‡q wMÖb e¨vswKs‡qi w`‡K g‡bvwb‡ek Kiv|  FY c`Ö v‡bi wm×v‡šiÍ Rb¨ evsjv‡`k e¨vsK cÖ`Ë Ócwi‡ek I mvgvwRK Suwy K e¨e¯’vcbv (BGmAviGg) bxwZgvjv 2017Ó AšfÍ ³y© |  MxÖ b e¨vswKs bxwZgvjv KvhK© i Kiv|  mvm‡UB‡bej dvBb¨vÝ KwgwU MVb|  mvm‡UB‡bej dvBb¨vÝ BDwbU MVb| Annual Report 2020 International Leasing  43

10. gj~ ab e¨e¯’vcbv Suwz K Avw_©K cwÖ Zôvb¸‡jv‡Z g~jab e¨e¯’vcbvmg~n mvaviYZ chv© ß gj~ ab eRvq ivLv, Af¨šÍixY gj~ ab ch©vßZv gj~ ¨vqb Ges Gi gj~ a‡bi ch©vßZv Abcy vZ MYbv Kivi j‡¶¨ e¨e¯v’ ¸‡jv ev¯eÍ vqb‡K †evSvq| e¨vswKs Z`viwKi wel‡q †e‡mj KwgwU c¯Ö ÍvweZ ms¯‹vig~jK c`‡¶‡ci mv‡_ mvgÄm¨ †i‡L wewfbœ †`‡k Ges evsjv‡`‡kI wewfbœ ms¯‹vi D‡`¨vM MÖnY Ges cwieZ©‡bi gva¨‡g cwÖ ZdwjZ nIqvi Kvi‡Y GwU wek¦R‡y o ¸iæZc¡ Y~ © n‡q DV‡Q| gj~ ab e¨e¯v’ cbv Swuy Ki Rb¨ Mn„ xZ e¨e¯v’ t  g~jab chv© ßZv Abycv‡Zi Kg©¶gZvi DbœwZ|  gj~ a‡bi wfwË kw³kvjx Kivi Rb¨ A-cwieZ©b‡hvM¨ Amyiw¶Z Kcy b weqvwis mve-AwW©‡b‡UW eÛ Bm¨y Kiv| 11. g¨v‡bR‡g›U Bbdi‡gkb wm‡÷g AvBGjGdGmG‡ji g¨v‡bR‡g›U Bbdi‡gkb wm‡÷g KvhK© i I `¶ wm×v‡šÍi Rb¨ cÖ‡qvRbxq Z_¨ mieivn K‡i| c×wZwU gj~ Z Z_¨ msM‡Ö ni ch©vq †_‡K cÖwµqvKiY ch©šÍ Z_¨ cwiPvjbv Ki‡Z m¶g| Z‡_¨i Pvwn`v †gUv‡Z GgAvBGm‡K wbqwgZ chv© ‡jvPbv I cwieZ©‡bi AvIZvq ivLv n‡q‡Q| GwU AvBGjGdGmG‡ji e¨e¯’vcbv KZ…c© ¶‡K cwÖ ZwU chv© ‡q Z_¨ cÖ`vb K‡i ¸iæZ¡cY~ © wm×všÍ wb‡Z mg_b© K‡i| GwU wm×všÍ MnÖ ‡Yi Rb¨ ¸iæZ¡c~Y© mvd‡j¨i KviY¸‡jv m¤c‡K© AviI Z_¨ mieivn K‡i| g¨v‡bR‡g›U Bbdi‡gkb wm‡÷‡gi Rb¨ M„nxZ e¨e¯v’ t  h_vh_ GgAvBGm wbwðZ Ki‡Z n‡e|  h_vh_ myi¶v wbwðZ Ki‡Z n‡e|  evsjv‡`k e¨vs‡Ki wb‡`w© kKv Abymv‡i wbqwgZ e¨vKAvc|  AvBwU we‡klÁ wb‡qvM Ki‡Z n‡e|  wdw›Uwj‡R›U †_‡K e¨vsKAvjwUgvm Avw_©K mdUIq¨vi ¯v’ bvšiÍ | 44 Annual Report 2020  International Leasing

Disclosures Under Piller-III Market Discipline A) Scope of application Qualitative Disclosures: The name of the top corporate entity in the group to which this guidelines applies. International Leasing & Financial Services Limited An outline of differences in the basis of consolidation for accounting and regulatory purposes, with a brief description of the entities within the group (a) that are fully consolidated; (b) that are given a deduction treatment; and (c) that are neither consolidated nor deducted (e.g. where the investment is risk-weighted). The ILFSL Group has two wholly owned subsidiaries: International Leasing Securities Limited and IL Capital Limited, which are fully consolidated. Any restrictions, or other major impediments, on transfer of funds or regulatory capital within the group. Not applicable. Quantitative Disclosures: The aggregate amount of capital deficiencies in all subsidiaries not included in the consolidation that are deduct- ed and the name(s) of such subsidiaries. Not applicable. B) Capital structure Qualitative Disclosures Summary information on the terms and conditions of the main features of all capital instruments, especially in the case of capital instruments eligible for inclusion in Tier 1 or in Tier 2. Tier 2 capital includes: i) General provision up to a limit of 1.25% of Risk Weighted Asset (RWA) for Credit Risk; ii) Revaluation reserves: 50% Revaluation reserve for fixed assets; 45% Revaluation reserve for securities; iii) All other preference shares. Conditions for maintaining regulatory capital: The calculation of Tier 1 capital, and Tier 2 capital shall be subject to the following conditions: i) The amount of Tier 2 capital will be limited to 100% of the amount of Tier 1 capital. 50% of revaluation reserves for fixed assets and 45% of revaluation reserves for securities are eligible for Tier 2 capital. Annual Report 2020 International Leasing  45

Quantitative Disclosures: Amount in BDT The amount of Tier 1 capital, with separate disclosure of: crore 221.81 Particulars - 45.71 Paid up capital - Non-repayable share premium account Statutory reserve (3,482.17) General reserve - Retained earnings - Minority interest in subsidiaries - Non-cumulative irredeemable preference shares (3,214.75) Dividend equalization account Total Tier 1 capital 32.83 (c) The total amount of Tier 2 capital - (d) Other deductions from capital (e) Total eligible capital (3,181.92) C) Capital Adequacy Qualitative Disclosures A summary discussion of the FI’s approach to assessing the adequacy of its capital to support current and future activities. Risk Weighted Assets (RWA) and Capital Adequacy Ratio (CAR) ILFSL has adopted Standardized Approach for computation of Capital Charge for Credit Risk and Market Risk while Basic Indicator Approach for Operational Risk. Total Risk Weighted Assets (RWA) of the Company is deter- mined by multiplying the capital charge for market risk and operational risk by the reciprocal of the minimum capital adequacy ratio i.e. 10% and adding the resulting figures to the sum of risk weighted assets for credit risk. Total RWA is then used as denominator while total Eligible Regulatory Capital as on numerator to derive Capital Adequacy Ratio Strategy to achieve the required Capital Adequacy Operational level: Immediate measures:  Asking unrated Corporate clients to have credit rating from External Credit Assessment Institutions (ECAIs) recognized by Bangladesh Bank;  Rigorous monitoring of overdue contracts to bring those under 90 days overdue; Continuous measures:  Concentrating on SME clients having exposure up to BDT 1 crore as this will carry 75% fixed risk weight (for regular contracts only);  Financing clients having good credit rating;  Using benefit of credit risk mitigation by taking eligible financial collaterals against transactions;  Focusing more on booking high spread earning assets and thus increasing retained earnings. Strategic level:  Injecting fresh capital by issuing subordinated bond. 46 Annual Report 2020  International Leasing

Quantitative disclosures: Sl. No. Particulars Amount in BDT crore b) Capital requirement for Credit Risk 2,626.29 c) Capital requirement for Market Risk 65.35 d) Capital requirement for Operational Risk 76.24 (e) Total and Tier 1 Capital ratio: Consolidated Stand Alone -114.96 -115.12 Particular -116.14 -116.20 CAR on Total capital basis (%) CAR on Tier 1 capital basis (%) D) Credit Risk Qualitative Disclosures (a) The general qualitative disclosure requirement with respect to credit risk, including: Definitions of past due and impaired (for accounting purposes) As per the Bangladesh Bank’s Prudential Guideline on Capital Adequacy and Market Discipline for Financial Institutions, the unsecured portion of any claim or exposure (other than claims secured by residential property) that is past due for 90 days or more, net of specific provisions (including partial write-off) will be risk weighted as per risk weights of respective balance sheet exposures. For the purpose of defining the net exposure of the past due loan, eligible financial collateral (if any) may be considered for Credit Risk Mitigation. Description of approaches followed for specific and general allowances and statistical methods; Specific and General provisions are maintained according to the relevant Bangladesh Bank guideline. For Example, 0.25% provision is maintained against SME-Standard loan/ lease, 1% provision is maintained against good loans (other than SME-Standard loan/ lease, 5% against SMA loan/ lease, 20% against sub-standard loan/ lease, 50% against doubtful loan/ lease and 100% against bad/loss loan/ lease after deducting the amount of interest expenses and value of eligible securities from the outstanding balance of classified accounts. Discussion of the FI’s credit risk management policy. Implementation of various strategies to minimize risk: To encounter and mitigate credit risk the following control measures are taken place at ILFSL: Visiting the client’s business premises, conducting all other necessary due diligence required for extending credit facility; Assessing the repayment capacity and the past payment performance of customer before financing; Analyzing and verifying the provided financial statement & related information as well as financial condition in case of unstructured accounts toidentify the risk; Annual review of clients; Adequate insurance coverage for funded assets; Vigorous monitoring and follow up by Special Assets Management and collection Team; Follow up of compliance of credit policies by Credit Administration Department; Taking collateral and performing valuation and legal vetting on the proposed collateral; Seeking legal opinion from internal and external lawyer for any legal issues; Maintaining neutrality in politics and following arm’s length approach in related party transactions; Regular review of market situation and industry exposure; Sector-wise portfolio is maintained within specific limits to ensure diversification of loan assets; Coordination of all pre and post sanction activities of all necessary loan documents. In addition to the industry best practices for assessing, identifying and measuring risks, ILFSL also considers Guidelines for Managing Core Risks of financial institutions issued by the Country’s Central Bank, Bangladesh Bank; vide FID Circular No. 10 dated September 18, 2005 for management of risks. Annual Report 2020 International Leasing  47

Approved Credit Policy by the Board of Directors The Board of Directors has approved the Credit Policy for the company where major policy guidelines, growth strategy, exposure limits (for particular sector, product, individual company and group) and risk management strategies have been described/stated in detail. Separate Credit Risk Management (CRM) Department An independent Credit Risk Management (CRM) Department is in place, at ILFSL, to scrutinize projects from a risk-weighted point of view and assist the management in creating a high quality credit portfolio and maximize returns from risk assets. Research team of CRM regularly reviews market situation and exposure of ILFSL in various industrial sub-sectors. CRM has been segregated from Credit Administration Department in line with Central Bank’s Guidelines. CRM assess credit risks and suggest mitigations before recommendation of every credit proposal while Credit Administration confirms that adequate security documents are in place before disbursement. Special Assets Management and Collection Team A strong Law and Recovery Team monitors the performance of the loans & advances, identify early signs of delinquencies in portfolio, and take corrective measures to mitigate risks, improve loan quality and to ensure recovery of loans in a timely manner including legal actions. Credit Approval Process To ensure quick service and mitigation of credit risk, the approval process is maintained a standard operating procedure (SOP) developed by the Management of ILSFL. Credit Quality and Portfolio Diversification ILFSL believes in diversification in terms of products as well as sectors. To mitigate the Credit Risk, the company diversifies its loan exposure to different sectors confirming the Central Bank’s requirements. Threshold limit is set for any sector so that any adverse impact on any industry has minimum effect on ILFSL’s total return. Central Bank’s instructions are strictly followed in determining Single Borrower/Large Loan limit. Significant concentration of credit in terms of groups or geographical location is carefully avoided to minimize risk. Early Warning System Performance of loans is regularly monitored to trigger early warning system to address the loans and advances whose performance show any deteriorating trend. It enables the company to grow its credit portfolio with ultimate objective to protect the interest of stakeholders. NPL Management ILFSL measures its loan portfolio in terms of payment arrears. The impairment levels on the loans and advances are monitored regularly. As per FID Circular No.3 dated March 15, 2007: 1. Loan/Lease, classified as bad/loss and with 100% provision, can only be written-off. 2. Approval from the Board of Directors has to be taken before write-off. 3. The financial institutions should constantly try to recover the loan/lease written-off amount. If legal action has not been taken against the client, legal charges should be placed before the write off. 4. To expedite the legal settlement or collection of the due amount, third party agents can be appointed by the financial institutions. 5. A separate ledger should be maintained for the written off loans/leases and the accumulated written off value should be disclosed separately under the heading of “notes to the account” in the annual report/bal- ance sheet of the financial institutions. 6. Even if the loan/lease has been written off, the client should be classified as defaulter and reported to CIB accordingly. Detail records for all such write off accounts are meticulously maintained and followed up. Counterparty Credit Rating ILFSL is taking initiatives to rate the Corporate Clients of the company immediately by the External Credit Assess- ment Institutions (ECAIs)/Rating Agencies duly recognized by the Central Bank. Methods used to measure Credit Risk As per the directives of Bangladesh Bank, ‘The Standardized approach’ is applied by the company to measure its Credit Risk. 48 Annual Report 2020  International Leasing