18 entries
Asset Liability CommitteeALCOसम्पत्ति दायित्व व्यवस्थापन समितिA management committee in a bank that reviews liquidity, funding, interest rates and balance-sheet risks and decides on corrective steps.LiquidityAsset Liability ManagementALMसम्पत्ति दायित्व व्यवस्थापनThe coordinated management of a bank's assets and liabilities, mainly their maturities, interest rate sensitivity and currencies, to control liquidity risk and interest rate risk while protecting earnings.LiquidityCash Reserve RatioCRRअनिवार्य नगद मौज्दात अनुपातThe share of a bank's total deposits that it must keep as a balance in its account with Nepal Rastra Bank. It is both a liquidity safeguard and a monetary policy tool.RatioLiquidityContingency Funding PlanCFPआकस्मिक कोष योजनाA bank's pre-approved plan setting out how it will raise funds and manage cash flows if it faces a liquidity crisis.LiquidityCredit to Core Capital plus Deposit RatioCCD Ratioकर्जा–प्राथमिक पुँजी तथा निक्षेप अनुपातThe former NRB lending limit that compared a bank's total credit with the sum of its core capital and local-currency deposits. It was replaced by the Credit to Deposit (CD) ratio.RatioLiquidityCredit to Deposit RatioCD Ratioकर्जा–निक्षेप अनुपातThe ratio of a bank's total loans and advances to its total deposits. NRB caps it to stop banks lending out more than a safe share of their deposit base.RatioLiquidityExcess Liquidityअधिक तरलताA situation in which banks hold more loanable funds and reserves than they can lend or invest profitably, beyond what regulation and prudence require.LiquidityHigh-quality Liquid AssetsHQLAउच्च गुणस्तरका तरल सम्पत्तिUnencumbered assets that can be converted into cash quickly in private markets with little or no loss of value, held to meet liquidity needs during stress. They form the numerator of the Liquidity Coverage Ratio.LiquidityInterbank Rateअन्तरबैंक दरThe interest rate at which banks and financial institutions lend short-term funds to one another. NRB uses the weighted average interbank rate of BFIs as the operating target of monetary policy.LiquidityLiquid Assetsतरल सम्पत्तिAssets that a bank can convert into cash quickly and with little loss, such as cash in vault, balances with NRB and other banks, call money and government securities.LiquidityLiquidity Coverage RatioLCRतरलता कभरेज अनुपातA Basel III standard requiring banks to hold enough unencumbered high-quality liquid assets to cover their total net cash outflows over a 30-day stress period.RatioLiquidityLiquidity Crunchतरलता अभावA situation in which banks run short of loanable funds, so interbank rates rise, lending slows and banks compete for deposits.LiquidityLiquidity Managementतरलता व्यवस्थापनThe way a bank plans and controls its cash, liquid assets and funding so that it can meet withdrawals and payment obligations on time at reasonable cost, while still earning on idle funds.LiquidityMaturity Gap Analysisभुक्तानी अवधि अन्तर विश्लेषणA method that places a bank's assets and liabilities into time bands by remaining maturity and measures the gap between them in each band, to show when the bank may face a funding shortfall.RatioLiquidityNet Liquid Assets to Total Deposit RatioNLA Ratioखुद तरल सम्पत्ति र कुल निक्षेप अनुपातThe ratio of a bank's liquid assets, minus borrowings repayable within 90 days, to its total deposits. NRB uses it as a supervisory liquidity measure under the capital frameworks and in the CD ratio penalty rule.RatioLiquidityNet Stable Funding RatioNSFRखुद स्थिर कोष अनुपातA Basel III standard that requires a bank's available stable funding to be at least equal to its required stable funding over a one-year horizon, limiting reliance on short-term funding for long-term assets.RatioLiquidityStatutory Liquidity RatioSLRवैधानिक तरलता अनुपातThe minimum share of domestic deposits that a bank must hold in specified liquid assets such as government securities, cash in vault and its CRR balance with NRB.RatioLiquidityStructural Liquidityसंरचनागत तरलताLiquidity surplus or shortage in the banking system that is expected to last for a long period, as opposed to short-term or seasonal swings.Liquidity