Download - Amlak the Predicament of Transformation

Transcript
  • H :U`N jJ

    dG ee Jf dGh eG e kjJ N bh G HO S IQU

    Y eGh G HO d dG IjT kdSQ fc YEG FShMh G aGH dG Va Y OHGh edG jS ad AGS M

    .jdG Y kGAH AGdG

    2006 SQ`e 64

  • 2006 SQ`e65

    H :U`N jJ

    uUC* uKUF* tO U c?? Xu wuU U?? b??I?? U??F??zU??A?? w??U??* w?? u?? w??bd U wH obB v dOJ qO1 rN_rN_ u 5KUF* s dOJU tOH tIbBVd UK UFzUA vK qU t qJA bLFd w dK rUI v p uF Wd_wU* w u WO Wb d_ q udOJH UFzUA cM 5KUF* VUD TH r??UuKF* dOu XU rN_ d?? lO qUN UL q_ qUF d?? s?? U??* u?? sWI U?? uD c??_ w jGC X{dF5d* U b& bF WU uUqA c rN_ tM XU c dO_ uN wdI b vK uKU uI dd w uKK;

    tU s U qJA u tM wUF cuK WOLOEM WOM nF{

    d w UdA fU UC iF u UL u w Wb Wd s d_ fK s

    uK WOLOEM WON sL{ uu rNCFu UM u b 5KUF* d nF{

    WFzUw quLK ?? Wd u??% WFzU wQ5KUF* UL vK dU U w pM vvK UL s b UFzUA vK U* u wU*U h qu9 Wd w ozUI(pK9 U XQ YO WIDM* w UIFUNLN Xd b UNO dO_ WB( UL w u w U q??z w UF U uOK v?? UNU l?? c?? d??_ wU*quLK Wd v?? ?? Xu% p?? bF r??Uu oI uLMU UNU dL w U??_ w?? U??e?? XGK U?? wH WOUOUL W v_ WF dN_ s WOUBU d _ UIF bM XIK w U UE vK bLF uOK

    WdAK WuKL* WUIF uJB iFvL U bu t v U s b UMw U??J??_ s?? qJ Q?? pM v?? W??d?? u l??u?? w?? U??? W?? w?? UdA u??U??qUI*U d?? Wd v?? u WdA sJ1WUL* W??B?? vK u??B??( U?? W??d?? lOD

    WBd vK UI r s 5F U w qLFsJ1 wUU UUG UNJK9 w hdqLF U dOOG u ? WOKLF c nw WOKLFU WIU hd vK WEU; U w

    bb qL U v WdAK luWKL bb dOOG p?? od b UU bb' WdA qL U0 ndFK WOIubbAK Ubb& WU WuN dOOG r Ur bLF WdA w qB c dOOG vKvK Wb* WO jzUu WOIu WKL(d qJA WdAK WIU WO UUAMUNbL w bb' WOIu WOOd vKdOOG Q k wUU bb' UNKJON WdAd Wd v?? UNu% WdA qL UjOD s dOJ v?? U 5N d_U fOdOOG b??? W??d??A?? r????( U??F???? d??O??C??????U w 5M dN d_ VKD bI qU(Vu tS wU* w u w Wb WdA uU lOu dOOG jD) c q d UNOK5LU* WIu* U d u UdUI w UNKL

    UC XuB o uJK1 sc

    ` pMbO d u pM v u v bbF dEMWLK l od pM WLK UuB U qJAuM oOI% l WU tM dOJ bbU U d??_ uK WM WOUO UU WIDM* w a??{ sLC WOOQ u??D?? VKD d??_uB( v?? WU{U d) U?? 5Q U??* WU VF nKJ d u pM WB vKU0 d_ cN oKF ULO b hd ed* pMWU{U u WU s uM b U WO uu* uM qL rOEM WU( veOL WOJM UM bb' pM c bI buM s tOUM s eO9 WOIu WOOdUqL pM fOQ S?? wUU u??u??*u w?? eOL* e??d??* WOd oIO t??F??bI bF_ lOL vK bN' s dOJ v UU bOu q p d U0 ULK tU

    qLF bN' s dOJ pM S

    ou s dUOKLFK uM tu iF r s rd vKtu s d wIu tu u WO WOdB*lu LF c' bN d w u vK WO WOdB* Ub) w dOJ5 dO_ dAF uM w UuB rUFUOKLF WU UOIu tu bF d_ d) s WO uu U% WO WOdB*U0 U??N?? U??O??I?? U??L??{ UNOK d???? U??L??K??F??wHJ t UL WO WFdA UJ l outMJ9 LF s bU UM UO uJ pMw Wu WUM u l WU WUM* uLM s

    UC U* cu r dOQ U??H?? V X??u?? fHMvK dL* u??/ W??O???? WOdB* U??b??)v?? u??????U?? W??O??K??; u??M???? s?? b??b??F?? d?????qUF d?? `H WO*UF uM WO uM

    WO WOdB* Ub)UUNMO s Ub s bbF uM pK tuWO WOdB* UOKLFU dO u?? UjuCU e WObB* Ub% v WU{UW??e??d?? W????O?? u??? b??? l?? U??u??B?? W??O??d??A??w WFdA UJ oOD vK d?? WdLKuM pK WU v?? WU{U WO uM

    v bbF dEM~d u pM v uUuB U qJA bO

    WLK l od pM WLK tM dOJ bbU UuM oOI% l WUWOUO UU WIDM* w

    d_ d_ uK WMWOOQ uD VKD

    5Q U* a{ sLCv WU{U d) U

    u pM WB vK uB( WU VF nKJ d

    ULO b hd ed* pM}d_ cN oKF

  • 2006 SQ`e 66

    H :U`N jJ

    fHM WbOKI uM qFH UL Wed* uM rbp UNzU l p iUM WKJA d Xu

    Wu d qJA wQ rbuM qL WO WFdA V t ULUL U) WUC* WdA U w WOdULK uM dF d_ c `d w UA

    sdL* u UOC bNWO WdOBK u uJ b wUUs W??u??L???? q?? W??O??I??u???? u??D?? s?? dOJ d????d_ tMLC U* bF_ WU vK U' uD)dO) uJ bI WKJO U?? nOUJ sb??b??' U??A??M?? W??U?????? W??u??N?? o??u???? U????s??u??u??* ??L??F?? b??U?? WOu u??N??' W??U??{U??uF w bzuH UO od s rNOK WEULK

    u s rNOK

    qL; uUMOu?????? c?? U??M??{d???? U??F??zU??A?? X??b?? q_ wIu wOd UO) S qBOpM WB vK uB(U ?? Wd uI ut b rzU UOJ pM UA r sw UNFL UNL WLO s bOHO WdA UN lUsJ1 hBK wdB* UDI t ULMO uUb) s WMOF WuL0 tUA b pMUOKLF U??M??N?? d???? U??b?? .b??I???? l??u???? r??UOKLF Retail Banking d???? WOdB*UOKLF Privet Banking WU) WOdB*Corporate Banking U??d??A??K?? W??O??d??B??*

    Investment W??U??L?????? W??O??d??B??* U??O??K??L??F??U?????? U????? W??O??d??B??* U??O??K??L??F?? Bankingc UAM b YO Oshore Banking5Fu* LF bU WUM* r pM t uIOWOIu WD) WOJM UM* qOJA sJ1 UbM

    UN jD* WOd tb oOI% pMK sLC U0

    S qu9 WdA WOIu UNu UM WdAQ dOJH bM t?? UN d?? u?? u??????s b?? c??? U????U?? t??d?? rO b??N??' p?? q??WOC d u WO WL{ U bOu

    WdAK wOQ ULUS qu9 WdA Wd WOuB) dEWOHO YO s?? WOOd W??U?? dF UNu%qUF WOHO rNKu9 - sc LF l qUFquL jD rEF b_ WKuD quL jD l

    b_ WKu UIF?? W??d?? oOI% U?????? 5F U??c?? UNOQ s?? WKOK u??M?? ??? WOUO U????_UIF quL Ub vK VKD Ue WU{UWIDM* UbNA w???? W??U??I??F?? d??H??D?? l?? W??U??quL U??d?? b??? u??H?? w???? u???? W??U??d qF& U_ c q S ZOK) w uu*UA w ubK uKD* `d* UNUAM d

    b( lu dO d bb

    b'WIOI( s pM v u% WFzU dI wJQ tM Y V U w b??' S??d ULS UNU qCH w qu9 WdAWLOI YO s rUF w UIF duDK WdtU nFC u w eOL lu UN WOuUC UJ w uJ V UM l WUM*lOD v 5OOzd 5LU* fKoDM* U U WdA d rN luUNFu ?? r WdA wKLF wIu5F c??_ l?? dOB dL Wd UUUfOQ t{ - c rC UL U

    u uJ b ~d WO WdOBK

    WOIu uD s dOJuD) s WuL qbF_ WU vK U'

    nOUJ s d_ tMLC U*uJ bI WKJO UWuN ou U dO)

    bb' UAM WUbU WOu uN' WU{U

    } suu* LF