10 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 QualityEconomic 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 & MarketsEndorsementदरपीठSigning 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 & MarketsExcess 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.LiquidityExpected 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