26 entries
Days Past Due (Overdue Period)DPDभाखा नाघेको अवधिDays past due is the number of days by which a scheduled payment of principal or interest is late; it is the main basis for classifying loans in Nepal.Asset QualityDebentureऋणपत्र (डिबेन्चर)A debenture is a debt instrument issued by a company acknowledging a loan from investors, on which the company pays fixed interest and repays the principal at maturity.Economy & MarketsDebit Cardडेबिट कार्डA debit card is a payment card linked to a customer's bank account, so each purchase or withdrawal is deducted directly from the available balance.Payments & Digital BankingDebt Equity RatioD/Eऋण-स्वपुँजी अनुपातThe debt equity ratio compares a firm's borrowed funds with its shareholders' funds to show financial leverage.RatioProfitability & Financial AnalysisDebt Recovery of Banks and Financial Institutions Act, 2058बैङ्क तथा वित्तीय संस्थाको ऋण असुली ऐन, २०५८The Act that sets up the Debt Recovery Tribunal and Appellate Tribunal to decide and enforce bank and financial institution loan recovery cases quickly.ActBanking Laws (Acts)Debt Service to Income Ratio (DTI)DTIऋण भुक्तानी आम्दानी अनुपातThe debt service to income ratio compares a borrower's total loan repayments (principal and interest) with his or her gross income over the same period.RatioLoans & CreditDeflationअपस्फीतिDeflation is a sustained fall in the general price level, meaning inflation is negative; disinflation is a fall in the rate of inflation while prices still rise.Economy & MarketsDemand DraftDDड्राफ्ट (डिमान्ड ड्राफ्ट)A bill of exchange drawn by one office of a bank on another of its offices, payable on demand to a specified person or order (NI Act, 2034, Section 2(झ)).Cheques & InstrumentsDepartment of Money Laundering InvestigationDMLIसम्पत्ति शुद्धीकरण अनुसन्धान विभागThe Department of Money Laundering Investigation is the government agency that investigates money laundering, terrorist financing and proliferation financing offences and files cases in court.InstitutionsDepositनिक्षेपMoney placed by customers with a bank or financial institution, with or without interest, that the institution must repay on demand or at maturity.Deposits & AccountsDeposit Collection Auctionनिक्षेप संकलन बोलकबोलAn open market operation in which NRB invites banks and financial institutions to bid to place their surplus funds with NRB for a fixed term, absorbing excess liquidity.Monetary Policy & NRBDeposit Insuranceनिक्षेप सुरक्षणProtection under which a deposit guarantee fund pays depositors up to a set limit if their bank or financial institution fails; in Nepal it is provided by the Deposit and Credit Guarantee Fund.Deposits & AccountsDeposit and Credit Guarantee FundDCGFनिक्षेप तथा कर्जा सुरक्षण कोषThe Deposit and Credit Guarantee Fund is the government-owned body that insures small depositors' money in banks and financial institutions and guarantees certain loans to small and medium enterprises, agriculture, microfinance and exports.InstitutionsDeprived Sector Lendingविपन्न वर्ग कर्जाDeprived sector lending is the minimum share of total loans that NRB requires banks to lend to low-income and socially backward people, directly or through microfinance institutions.RatioLoans & CreditDevaluationअवमूल्यनDevaluation is a deliberate official reduction in the value of a currency under a fixed or pegged exchange rate system; revaluation is the opposite.Forex & Trade FinanceDevelopment Bondविकास ऋणपत्रA development bond is a long-term government bond, issued with a fixed coupon for several years, to finance development spending.Economy & MarketsDirect Debitप्रत्यक्ष डेबिटA direct debit is a payment in which the payee, with the payer's prior authorisation (mandate), collects money directly from the payer's bank account.Payments & Digital BankingDividend Payout Ratioलाभांश भुक्तानी अनुपातThe dividend payout ratio is the share of net profit that a company distributes to shareholders as dividends.RatioProfitability & Financial AnalysisDividend Yieldलाभांश प्रतिफलDividend yield is the annual dividend per share expressed as a percentage of the market price per share.RatioProfitability & Financial AnalysisDocuments against AcceptanceDAAस्वीकृतिविरुद्ध कागजातDocuments against acceptance is a documentary collection in which the shipping documents are released to the importer when the importer accepts a usance bill of exchange promising to pay on a future date.Forex & Trade FinanceDocuments against PaymentDAPभुक्तानीविरुद्ध कागजातDocuments against payment is a documentary collection in which the importer's bank releases the shipping documents to the importer only after the importer pays the bill.Forex & Trade FinanceDormant Accountनिष्क्रिय खाताA deposit account that the bank has classified as inactive because the customer has made no transactions for the period NRB prescribes.Deposits & AccountsDouble Entry Systemदोहोरो लेखा प्रणालीThe double entry system records every transaction in at least two accounts, with equal debit and credit amounts.Profitability & Financial AnalysisDoubtful Loanशंकास्पद कर्जाA doubtful loan is a non-performing loan overdue by 6 months to 1 year, where full recovery is highly uncertain, requiring at least a 50% provision.Asset QualityDrawer, Drawee and Payeeड्रअर, ड्रयी र भुक्तानी पाउने व्यक्तिThe three basic parties to a bill of exchange or cheque: the drawer who writes it, the drawee who is directed to pay, and the payee who is to receive payment.Cheques & InstrumentsDuPont Analysisडुपोन्ट विश्लेषणDuPont analysis breaks return on equity into profit margin, asset turnover and financial leverage to show what drives it.Profitability & Financial Analysis