17 entries
Real Estate Loanरियल स्टेट कर्जा (घरजग्गा कर्जा)A real estate loan is credit for buying, plotting or developing land and for commercial buildings, residential apartments and complexes, as defined in NRB's sector classification.Loans & CreditReal Time Gross SettlementRTGSवास्तविक समय सकल फर्छ्यौटRTGS is a funds transfer system in which high-value and urgent payments between banks are settled individually and immediately in central bank money.Payments & Digital BankingRecurring DepositRDआवर्ती निक्षेपA deposit scheme in which the customer deposits a fixed amount every month (or other interval) for an agreed period and receives the total with interest at maturity.Deposits & AccountsRefinanceपुनरकर्जाConcessional funding that NRB provides to banks and financial institutions against loans they have given to priority or targeted sectors, so that those borrowers get credit at lower interest rates.Monetary Policy & NRBRegulatory Reserveनियमनकारी कोषA reserve that NRB requires banks to create by transferring part of retained earnings so that profits recognised under NFRS but not yet realised, or not acceptable to the regulator, are not paid out as dividends.Capital & BaselRegulatory Sandboxनियामकीय स्यान्डबक्सA regulatory sandbox is a framework in which a regulator allows firms to test innovative financial products or services with real customers for a limited time under relaxed rules and close supervision.Payments & Digital BankingRemittanceविप्रेषणRemittance is money sent from one place or person to another, especially money sent home by people working abroad.Forex & Trade FinanceRemittance Saving Accountविप्रेषण बचत खाताA saving account into which remittances sent home through the banking system by Nepalis working abroad are deposited, and on which NRB requires extra interest.Deposits & AccountsRepoरिपोA transaction in which NRB buys government securities from banks with an agreement that the banks will buy them back on a set date at a set price, injecting short-term liquidity.Monetary Policy & NRBReputation, Strategic, Legal and ESG Risksप्रतिष्ठा, रणनीतिक, कानुनी तथा वातावरणीय-सामाजिक जोखिमThese are risks outside the main credit, market and operational categories: loss of public trust (reputation), poor business decisions (strategic), losses from lawsuits or unenforceable contracts (legal), and environmental, social and climate-related risks.Risk & ComplianceRetail Bankingखुद्रा बैंकिङBanking services offered to individual customers and small businesses, such as saving accounts, fixed deposits, personal, home and auto loans, cards, remittance and digital banking.Banking BasicsRetained Earningsसञ्चित नाफाRetained earnings are the cumulative net profits a company has kept in the business after paying dividends and making appropriations.Profitability & Financial AnalysisReverse Repoरिभर्स रिपोA transaction in which NRB sells government securities to banks with an agreement to buy them back later at a set price, temporarily absorbing excess liquidity.Monetary Policy & NRBRight Shareहकप्रद शेयरA right share is a new share offered by a company to its existing shareholders in proportion to their current holdings, usually at par or a set price, to raise additional capital.Economy & MarketsRisk Appetite and Tolerance Limitजोखिम वहन क्षमता र सहनसीमाRisk appetite is the amount and type of risk a bank's board is willing to take to meet its objectives; the tolerance limit is the maximum deviation from that level the bank can accept.Risk & ComplianceRisk-Based ApproachRBAजोखिममा आधारित पद्धतिA risk-based approach means identifying and assessing money laundering and terrorist financing risks and applying stronger controls where risk is higher and lighter controls where it is lower.Risk & ComplianceRisk-weighted AssetsRWAजोखिम भारित सम्पत्तिA bank's assets and off-balance-sheet exposures weighted by their riskiness, plus capital charges for market and operational risk. It is the denominator of the capital adequacy ratio.Capital & Basel