18 entries
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 QualityEMV Chip CardEMVईएमभी चिप कार्डAn EMV chip card is a payment card with an embedded microchip that follows the global EMV standard, generating a unique cryptogram for each transaction to prevent counterfeiting.Payments & Digital BankingEarnings per ShareEPSप्रतिशेयर आम्दानीEarnings per share is the net profit available to ordinary shareholders divided by the weighted average number of ordinary shares outstanding.RatioProfitability & Financial AnalysisEconomic Impact of Remittanceविप्रेषणको आर्थिक प्रभावThe economic impact of remittance refers to how money sent home by migrant workers affects household income, consumption, poverty, the balance of payments, banking liquidity and the wider economy.Economy & MarketsEconomic Liberalisation and Globalisationआर्थिक उदारीकरण र विश्वव्यापीकरणEconomic liberalisation is reducing government controls so markets and the private sector play a larger role; globalisation is the growing integration of national economies through trade, investment, finance, technology and people.Economy & MarketsElectronic Cheque Clearing (ECC)ECCविद्युतीय चेक क्लियरिङ (ईसीसी)Nepal's image-based, MICR cheque processing and settlement system, operated by Nepal Clearing House Limited, in which cheque images and data, not paper cheques, move between banks.Cheques & InstrumentsElectronic Fund TransferEFTविद्युतीय रकमान्तरElectronic fund transfer is any transfer of money from one account to another through electronic systems rather than paper instruments such as cheques or drafts.Payments & Digital BankingElectronic Transaction Act, 2063ETAविद्युतीय (इलेक्ट्रोनिक) कारोबार ऐन, २०६३Nepal's cyber law: it gives legal validity to electronic records and digital signatures, regulates certifying authorities, and defines computer-related offences and the IT Tribunal.ActBanking Laws (Acts)EndorsementदरपीठSigning on the front or back of a negotiable instrument, or on an attached slip, for the purpose of negotiating it (NI Act, 2034, Section 2(थ)).Cheques & InstrumentsEnhanced Customer Due DiligenceECDDबृहत् ग्राहक पहिचानEnhanced due diligence is a stricter level of customer due diligence applied to high-risk customers, requiring extra verification of source of funds, purpose and closer monitoring.Risk & ComplianceEquated Monthly Instalment (EMI)EMIसम मासिक किस्ता (ईएमआई)An EMI is a fixed amount a borrower pays every month, covering both interest and part of the principal, so that the loan is fully repaid by the end of the term.Loans & CreditEquity Share (Ordinary Share)साधारण शेयरAn equity share is a unit of ownership in a company that gives its holder voting rights and a share of profits through dividends, with a residual claim on assets after all creditors are paid.Economy & MarketsEscrow Serviceएस्क्रो सेवाAn escrow service is an arrangement in which a neutral third party, often a bank, holds money or documents until agreed conditions between buyer and seller are fulfilled.Payments & Digital BankingExcess 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.LiquidityExchange Equalization Fundसटही समीकरण कोषA statutory reserve that a bank dealing in foreign exchange builds from revaluation gains on foreign currency holdings, to cushion future exchange rate losses.Capital & BaselExchange Rateविनिमय दरAn exchange rate is the price of one currency expressed in terms of another currency.Forex & Trade FinanceExpected 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