5 entries
Sectoral Credit Concentrationक्षेत्रगत कर्जा सघनताSectoral credit concentration is the share of a bank's total loans given to one sector of the economy; NRB caps it to avoid too much exposure to any single sector.RatioAsset QualitySignificant Increase in Credit Risk (SICR)SICRकर्जा जोखिममा उल्लेख्य वृद्धिA significant increase in credit risk is a marked rise in a loan's risk of default since it was first given, which moves the loan from Stage 1 to Stage 2 and requires lifetime expected credit loss.Asset QualitySingle Obligor LimitSOLएकल ग्राहक कर्जा सीमाThe single obligor limit is the maximum a bank may lend, in fund-based and non-fund-based facilities together, to one customer or to a group of related customers, set as a percentage of the bank's core capital.RatioAsset QualitySpecific Loan Loss Provisionविशेष कर्जा नोक्सानी व्यवस्थाSpecific loan loss provision is the provision kept against identified non-performing loans (substandard, doubtful, loss and restructured) to cover their expected loss.Asset QualitySubstandard Loanकमसल कर्जाA substandard loan is a non-performing loan whose principal or interest is overdue by 3 to 6 months, requiring at least a 25% provision.Asset Quality