 विस्मिल लाईरख मन्रेम, अजा भे एक न्ट्रस्तिंग तूल शीक्ते हैं, that is stress testing, it's nothing to do specifically with normal day stress but it's more about stress factors that could affect our portfolios and our market. stress testing is a computer simulation technique used to test resilience of institution and investment portfolio against possible future financial situation. basically we are talking about that if this is mainly done by financial institutions or portfolio fund managers how that is going to affect us, how they are going to impact us. stress testing is customarily used by financial industry to help gauge investment risk and adequacy of assets as well as to help evaluate internal process या उसके हमारे अपने प्रोसिऽस कैसे हैं और हमें ये कैसे येश्वेजी फहाच कर सकतीं ये आनूमली ये तूल्लs, कम्प्टिरे सोट्बार्ई़िए़ से यूज करके ये चीज की जाती हैं. पैनिजुबी सीध्टnolds और लेगुलेटर। देंगा साँ अब प्राखिस्नन्यूंगे सब ल़न्चोँ guys आब रेगुबी सीथान नोड़़।मंर। फीज juvenile Liberussia कितना इंपैक्त आसकता है, होगाओ, वलनेमबर भी आर, अगर अची कोई सिचुआशन होती है, फिर उसके गेश, हमने क्या स्टर्टिजी बनानी है, क्या हेजिंग तुल लेनाय, तो मिटिगेद, दो स्ट्रिस्कोई रिस्स मैनज्मेंद का, तुल है, मैईर है. आसकत लाइबिलिती मैचिंग श्टर्टिजी आसकता है, क्या आसकत लाइबिलिती का मिस मैच्ट तुल नी आरा, उनकी मैचिंग कब पेमन्डी। है, कब हमार पास वो होंगे, ये एक बाद श्टर्टिजी यूच होता है, अगर आपने कुछ पिस्ले स्पल्स की बाद की हो, तु पागे सान में भी एक बड़ी द्रेल चाले दी, के बांक्स को का जारा था, अपना केपिटल बड़ा है, कुछ अगर कोई शोग यस तरा आता है, तु यूच आप आप दे कपैस्टी तु पे, तु नहीं लेवल बना दिया था, इस से कम में कोई बांक इजिस, नहीं किया ता, जिस की विया से हमने कुछ मरजर्स भी देके दे, और जो एकजिस्टीं बांक्स है, नहीं आपना भी केपिटल बड़ा है आता, तु रहात आपनी और अगलेष्या, हमें वी एक और 2008 और आपनी और और बन वी पीटल आभजिस की बात करता था आपनी दे, तर थब आपनी च्छ्छ्छ्छ्छ्छ्छ्च्छ्टी किस तु वो च्छली गजास थीया, can do it in multiple ways, but there are mainly three categories, jiske through yeh normally work out hota hai. The literature about business strategy and corporate governance identify several approaches, aur isme lekin agar mainly embahat karein to popular ones are three, they are standardized scenarios, hypotheticals and historical scenarios. There are multiple, iske elawa bhi hai, but these are more famous one being frequently used. Hypothortical, stress hypothetical, matlab kya hota hai ki aap assume kar lethe hai, ki soche agar yeh is traki ko cheez hojhe. Is generally more specific, often focusing on how particular company or might do whether a particular crisis arise, ki agar is traki ko situation aajatiye toh kya hoga. For example, if a firm in California might stress test against hypothetical earthquake, or oil company agar soche yeh oil company ka aap kaam karein jiske Pakistan mein aur jo hai aapki attack petroleum yeh PSO agar stress testing karein ki that middle east mein war break hojhe hai ya middle east se supply rukjhe hai toh kya hoga. So, ay ek situation soche yeh uska apte pe impact dekha kya how that going to impact us. Toh hume bhi dekna hai ki maar baas safety question yeh kitna hai. So this is a stress testing tool. In a historical scenario, historical scenario obviously we are when we are talking about risk management hum bahut achche return of times ki toh baad nahin karein hoonge. So the business or asset portfolio is run through a simulation based on previous crisis ki pehle ek bahut adverse koi situation hoi hai. Hum katein agar first karein wo dubara aasi hojatiye. Yeh jas ek major fall aatiye recession aatiye agar wo first karein dubara aatiye toh humpe kitna impact aayega. Example of historical crisis includes stock market trash of 1987, then 1997 in Asian market mein ya bubble jo aayata technology ki companies mein bubble aayata 99-2000 mein ya even 2008 wala crisis jiske hum bahut baat karte. Hum assume katein agar first karein yeh dubara aatiye toh hume kese impact karein ga. So this is a historical hypothetical isle nahin kuk yeh already hochuga hai. Toh usi ke parameters ko hum karein ki agar if they fall again toh kya hochuga. Stylize. Stylize ka matlab yeh different style, different types ke aap karein. Are little more scientific in the sense only one or few test variables are adjusted at once. Ke kuch cheezon ko hum change kartein agar yeh hochuga toh what will happen. For example, stress test might involve dodge on index losing 10% of its value. Nehne ke market mein jo badhi index hai usme 10% value gire jaye toh aap pe kya impact rai ga. Yeh aap koi aur yistra ka event, but few events, few items, few variables mein change aai wo hum pe kese impact karegi that is a stress testing tool. Ek aur isme hai Monte Carlo Simulation. Ispe maara pura ek module bhi hai. Is one of the most commonly wide known. This type of stress test can be used for modelling probabilities of various outcome. Isme hum thousands of possible outcomes ko combine katein. Komputer software se through work kartein aur uske toh hum dekhne ke how things will impact us. So Monte Carlo pe maara ek pura module aap specifically request ke aap usko saag when you reach to that point usko particular research kare re-do it, revise it. But you can do research on stress testing, how it's being done aur yeh frequently use hai regulator bhi kare kare aur company ke benefit mein bhi hai for doing the stress testing. Thank you.