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Pass Loanअसल कर्जाA pass loan is a performing loan that is not overdue or is overdue by at most one month, and carries the lowest provision.Asset QualityPerforming Loanसक्रिय कर्जाA performing loan is a loan on which principal and interest are being paid on time or are overdue by at most three months; in Nepal it covers the pass and watchlist classes.Asset QualityProbability of Default (PD)PDडिफल्ट हुने सम्भाव्यताProbability of default is the estimated likelihood that a borrower will default within a given time horizon, such as 12 months or the loan's life.RatioAsset QualityProvision Coverage RatioPCRकर्जा नोक्सानी व्यवस्था कभरेज अनुपातThe provision coverage ratio shows how much of a bank's non-performing loans is covered by loan loss provisions.RatioAsset Quality