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ECL Staging (Stage 1, 2 and 3)ईसीएल स्टेजिङ (स्टेज १, २ र ३)ECL staging is the NFRS 9 method of placing loans in Stage 1, 2 or 3 according to the change in credit risk since they were first recognised, which decides whether 12-month or lifetime expected loss is booked.Asset QualityExpected Credit Loss (ECL)ECLअपेक्षित कर्जा नोक्सानी (ईसीएल)Expected credit loss is the probability-weighted estimate of credit losses over a loan's life, measured under NFRS 9 so that banks provide for losses before default rather than after.Asset QualityExposure at Default (EAD)EADडिफल्टका बेलाको कर्जा जोखिम रकमExposure at default is the amount a bank expects to be owed by a borrower at the time the borrower defaults, including undrawn limits that are likely to be used.Asset Quality