????:1?????????:???????

2?????????

3?????

4??????????

5????????

??????????1?????????31????????????? ???:??????????(?????????? SARB)??????????30?????????????????25?????7.5%,????????????????????????????2024?????????????9??

?????6???????????????????????????4:2????????,????????????????????????????,???

??????,????,?????????????????????????????????,?????;??“??,???????????”???????,???????????????

??,?,??2024?12????????????,???????5%?????3%,????????????,?????15?,??????????????????,??????4.5%????????????,??????

????????????,??????,?????????????????????,????????(?????)?????

???????????????????????,???

???????,?40????0.38%;???????????????????2.42%????10.575%?(???????) ???????????????:???????????