16 entries
Capital Adequacy RatioCARपुँजीकोष पर्याप्तता अनुपातThe ratio of a bank's total regulatory capital (Tier 1 plus Tier 2) to its total risk-weighted exposure. It shows how much loss-absorbing capital a bank holds against the risks in its assets and operations.RatioCapital & BaselCash 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.RatioLiquidityCore Capital (Tier 1)Tier 1प्राथमिक पुँजी (टियर १)The highest-quality, permanent part of a bank's capital that absorbs losses while the bank keeps operating. Under Basel III it equals Common Equity Tier 1 plus Additional Tier 1.RatioCapital & BaselCredit 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.RatioLiquidityDebt 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 & CreditDeprived 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 & CreditLoan-to-Value Ratio (LTV)LTVकर्जा-मूल्य अनुपात (ऋण मूल्य अनुपात)The loan-to-value ratio compares the loan amount with the market value of the asset pledged as security, showing how much of the collateral value is financed.RatioLoans & CreditLoss Given Default (LGD)LGDडिफल्टमा हुने नोक्सानी अनुपातLoss given default is the share of an exposure that a lender expects to lose if the borrower defaults, after recoveries from collateral and other sources.RatioAsset QualityMoney Multipliermमुद्रा गुणकThe ratio of the money supply to reserve money, showing how many rupees of money the banking system creates from each rupee of high-powered money.RatioMonetary Policy & NRBNPL Ratioनिष्क्रिय कर्जा अनुपातThe NPL ratio is the share of non-performing loans in a bank's total loans and advances, and is the main measure of asset quality.RatioAsset QualityProbability of Default (PD)PDडिफल्ट हुने सम्भाव्यताProbability of default is the estimated likelihood that a borrower will default within a given time horizon, such as 12 months or the loan's life.RatioAsset QualityProvision Coverage RatioPCRकर्जा नोक्सानी व्यवस्था कभरेज अनुपातThe provision coverage ratio shows how much of a bank's non-performing loans is covered by loan loss provisions.RatioAsset QualitySectoral Credit Concentrationक्षेत्रगत कर्जा सघनताSectoral credit concentration is the share of a bank's total loans given to one sector of the economy; NRB caps it to avoid too much exposure to any single sector.RatioAsset QualitySingle Obligor LimitSOLएकल ग्राहक कर्जा सीमाThe single obligor limit is the maximum a bank may lend, in fund-based and non-fund-based facilities together, to one customer or to a group of related customers, set as a percentage of the bank's core capital.RatioAsset QualityStatutory 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.RatioLiquidity