6 entries
Loss Given Default (LGD)LGDडिफल्टमा हुने नोक्सानी अनुपातLoss given default is the share of an exposure that a lender expects to lose if the borrower defaults, after recoveries from collateral and other sources.RatioAsset QualityNPL Ratioनिष्क्रिय कर्जा अनुपातThe NPL ratio is the share of non-performing loans in a bank's total loans and advances, and is the main measure of asset quality.RatioAsset 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 QualitySectoral 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 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 Quality