o; a}+saf6 Ohfhtkqk|fKt æsÆ, ævÆ, æuÆ ju{sf a}+s tyf ljQLo ;+:Yffx?

nfO{ hf/L ul/Psf] PsLs[t lgb{]zg, @)*) df ;+zf]wg

qm=;+= Joj:yf g+= ljBdfg Joj:yf ;+zf]lwt Joj:yf

1. O=k|f=lgb]{zg g+= @ sf] xfn g/x]sf] . -%_ a}+s tyf ljQLo ;+:yfn] kl/l:yltjz ;d:ofdf k/]sf C0fLx?sf] xsdf -s_ s[lif
a'Fbf * sf] pka'F'bf -%_ / jg, -v_ df5fkfng, -u_ vfgL, -3_ s[lif, jg / k]okbfy{ pTkfbg -;"tL{ k|zf]wg /
df yk u/L qmd;+Vof dlb/fhGo afx]s_, -ª_ u}/vfB j:t' pTkfbg, -r_ wft'sf pTkfbgx?, d]l;g/L tyf
ldnfg ul/Psf] . On]S6«f]lgs cf}hf/ tyf h8fg, -5_ oftfoft, e08f/ / ;+rf/, -h_ yf]s tyf v'b|f
ljqmL, -em_ ko{6g, -`_ lzIff Pj :jf:Yo, -6_ lgDff{0f -l;d]G6, 808L, O{F6f÷Ans,
kfO{K;\ P08 lkml6Ë;\ nufotsf pBf]udf k|jflxt shf{ ;d]t_ If]q;Fu ;DalGwt shf{
/ cGo ;a} If]qdf k|jfx ePsf ?= % s/f]8;Ddsf shf{nfO{ C0fLsf] cg'/f]wdf
pBf]u÷Joj;fosf] gubk|jfx tyf cfDbfgL] ljZn]if0f u/L cfjZostf / cf}lrTosf]
cfwf/df a'emfpg'kg]{ Aofhsf] slDtdf !) k|ltzt /sd c;'n pk/ u/L b]xfosf
zt{x?sf] cwLgdf /xL shf{sf] k'g/tflnsLs/0f /÷jf k'g/;+/rgf ug{ ;lsg]5 .
-!_ o:tf] k'g/tflnsLs/0f /÷jf k'g/;+/rgf @)*) r}t d;fGtleq ul/;Sg' kg]{5 .
-@_ @)*) c;f/ d;fGtdf ;lqmo ju{df juL{s/0f ePsf] shf{nfO{ k'g/tflnsLs/0f
/÷jf k'g/;+/rgf ug{ ;lsg]5 .
-#_ pko'{Qm adf]lhd k'g/tflnsLs/0f /÷jf k'g/;+/rgf ul/Psf shf{x?df %
k|ltzt shf{ gf]S;fgL Joj:yf sfod ug'{kg]{5 .
-$_ o;/L k'g/tflnsLs/0f /÷jf k'g/;+/rgf ul/Psf] shf{x?nfO{ h'g ju{df
juL{s/0f ul/Psf] 5 ;f]xL ju{df juL{s/0f ug'{kg]{5 .
2. O=k|f=lgb]{zg g+= @ sf] xfn g/x]sf] . -(_ @)*) sflQssf] e"sDksf sf/0f Ifltu|:t ePsf cfjf;Lo 3/x?sf]
a'Fbf #( sf] pka'Fbf - k'g/lgdf{0fsf nflu g]kfn ;/sf/ jf g]kfn ;/sf/n] tf]s]sf lgsfon] e"sDk
(_ df yk u/L k|efljtsf] ?kdf ;"rLs/0f u/]sf] kl/jf/nfO{ k|bfg ug]{ ?= @% nfv;Ddsf] cfjf;Lo
qmd;Vof ldnfg 3/shf{df cfwf/ b/df clwstd @ k|ltzt;Dd lk|ldod yk u/L Aofhb/ sfod
ul/Psf] . ug'{kg]{5 .
3. O=k|f=lgb]{zg g+= @ sf] -u_ Ohfhtkqk|fKt ;+:yfn] clwstd ;Ldf u_ Ohfhtkqk|fKt ;+:yfn] clwstd ;LdfeGbf a9L x'g] u/L shf{ k|jfx u/]df ;f]
a'Fbf $% sf] pka'Fbf - eGbf a9L x'g] u/L shf{ k|jfx u/]df ;f] shf{nfO{ shf{nfO{ ;"Id lgu/fgL (Watch List) cGtu{t juL{s/0f ug{' kg]{5 .
u_ df ;+zf]wg ul/Psf] ;'Id lgu/fgL (Watch List) cGtu{t juL{s/0f t/, :jk|of]hgsf nflu lgdf{0f÷vl/b ul/g] klxnf] 3/ shf{ / ?= %) nfv
. ug{' kg]{5 . ;Ddsf] cfjf; shf{sf] nflu s/of]Uo cfosf] xsdf s/ bflvnf sfuhftsf] cfwf/df
t/, :jk|of]hgsf nflu lgdf{0f÷vl/b ul/g] shf{ k|bfg÷gjLs/0f ug{ ;lsg]5 / To:tf]] shf{sf] xsdf C0f e'QmfgL cfDbfgL
klxnf] 3/ shf{sf nflu s/of]Uo cfosf] xsdf cg'kft -DTI_ clwstd ^) k|ltzt sfod ug{ ;lsg]5 .
s/ bflvnf sfuhftsf] cfwf/df shf{
k|bfg÷gjLs/0f ug{ ;lsg]5 / To:tf]] shf{sf]
 o; a}+saf6 Ohfhtkqk|fKt æsÆ, ævÆ, æuÆ ju{sf a}+s tyf ljQLo ;+:Yffx?nfO{ hf/L ul/Psf] PsLs[t lgb{]zg, @)*) df ;+zf]wg
xsdf C0f e'QmfgL cfDbfgL cg'kft -DTI_
clwstd ^) k|ltzt sfod ug{ ;lsg]5 .
4. O=k|f=lgb]{zg g+= # sf] xfn g/x]sf] .
a'Fbf !@ df pka'Fbf -$_
-u_ yk u/L qmd;Vof
ldnfg ul/Psf] .
5. O=k|f=lgb]{zg g+= % sf] -s_ o; k|of]hgsf] nflu k"FhL sf]if / k'FhL
a'Fbf ^ sf] pka'Fbf -^_ sf]ifsf] cËsf] ?kdf /x]sf C0fkq afx]ssf
-s_ df ;+zf]wg C0fkq, ! jif{ jf ;f]eGbf a9L cjlwsf]
ul/Psf] . ljb]zL d'b|fdf lnPsf] C0f tyf o; a}+saf6
k|bfg ul/Psf] k'g/shf{ /sdnfO{ lgIf]ksf]
?kdf u0fgf ug{ ;lsg]5 . C0fkq
k'FhLsf]ifsf] c+usf] ?kdf /xg] jf g/xg]
;DaGwdf Ohfhtkq k|fKt ;+:yfn] C0fkq
hf/L ubf{s} avt tf]Sg' kg]{5 . ldlt
@)&*÷)%÷)* k"j{ hf/L ePsf C0fkqsf]
xsdf Ohfhtkqk|fKt ;+:yfn] @)*) k';
d;fGt ;Ddsf] nflu lgIf]ksf] ?kdf ;d]t
u0fgf ug{ ;Sg]5g\ .
6. O=k|f=lgb]{zg g+= ^ sf] -5_ jfl0fHo a}+s tyf /fli6«o :t/sf ljQLo
a'Fbf !^ sf] pka'Fbf -5_ ;+:yfx?n] ;+:yfut ;fdflhs pQ/bfloTj
sf] df ;+zf]wg sf]ifdf 5'6\ofPsf] /sdnfO{ ljQLo ;fIf/tf
ul/Psf] . k|j4{g ug]{ nufotsf lqmofsnfknfO{ k|f]T;flxt
ug{ k|To]s k|b]zdf Go"gtd !) k|ltzt x'g]u/L
vr{ ug'{kg]{5 . o;/L ul/Psf] vr{sf] lj:t[t
;+:yfut ljj/0f k|To]s cfly{s jif{ ;dfKt
ePsf] ! dlxgfleq cfˆgf] j]a;fO6df k|sfzg
ug'{kg]{5 .
-u_ @)*) sflQssf] e"sDksf sf/0f Ifltu|:t ePsf cfjf;Lo 3/x?sf]
k'g/lgdf{0fsf nflu g]kfn ;/sf/ jf g]kfn ;/sf/n] tf]s]sf lgsfon] e"sDk
k|efljtsf] ?kdf ;"rLs/0f u/]sf] kl/jf/nfO{ k|bfg ug]{ cfjf;Lo 3/shf{sf] xsdf
shf{ / ;f]sf] lwtf] ;'/If0f aLrsf] cg'kft (Loan to Value Ratio) v08 -s_ / -v_
df plNnlvt cfjf;÷3/ shf{ / ;f]sf] lwtf] ;'/If0f aLrsf] cg'kft (Loan to Value
Ratio) df Go"gtd !) k|ltzt laGb' yk ug'{kg]{5 . o:tf] cg'kftsf] ;Ldf clwstd
ztk|ltzt;Dd sfod ug{ ;lsg]5 .
-s_ o; k|of]hgsf] nflu k'FhL sf]if / k'FhL sf]ifsf] cËsf] ?kdf /x]sf C0fkq afx]ssf
C0fkq, ! jif{ jf ;f]eGbf a9L cjlwsf] ljb]zL d'b|fdf lnPsf] C0f tyf o;
a}+saf6 k|bfg ul/Psf] k'g/shf{ /sdnfO{ lgIf]ksf] ?kdf u0fgf ug{ ;lsg]5 .
C0fkq k'FhLsf]ifsf] c+usf] ?kdf /xg] jf g/xg] ;DaGwdf Ohfhtkq k|fKt ;+:yfn]
C0fkq hf/L ubf{s} avt tf]Sg' kg]{5 . ldlt @)&*÷)%÷)* k"j{ hf/L ePsf
C0fkqsf] xsdf Ohfhtkqk|fKt ;+:yfn] @)*) k'; d;fGt ;Dd ztk|ltzt / ;f]
cjlw kZrft @)*! c;f/ d;fGt;Dd pQm C0fkqsf] %) k|ltzt /sd lgIf]ksf]
?kdf ;d]t u0fgf ug{ ;Sg]5g\ .
-5_ jfl0fHo a}+s tyf /fli6«o :t/sf ljQLo ;+:yfx?n] ;+:yfut ;fdflhs pQ/bfloTj
sf]ifdf 5'6\ofPsf] /sdnfO{ ljQLo ;fIf/tf k|j4{g ug]{ nufotsf lqmofsnfknfO{
k|f]T;flxt ug{ k|To]s k|b]zdf Go"gtd !) k|ltzt x'g]u/L vr{ ug'{kg]{5 . o;/L
ul/Psf] vr{sf] lj:t[t ;+:yfut ljj/0f k|To]s cfly{s jif{ ;dfKt ePsf] ! dlxgfleq
cfˆgf] j]a;fO6df k|sfzg ug'{kg]{5 .
t/ @)*) sflQssf] e"sDksf sf/0f Ifltu|:t ePsf ;fj{hlgs ljBfno, ;fj{hlgs
c:ktfn tyf :jf:Yo rf}sLsf] k'g/lgdf{0fsf nflu a}+s tyf ljQLo ;+:yfn] cfly{s
jif{ @)&(÷*) / @)*)÷*! sf] d'gfkmfaf6 ;fdflhs pQ/bfloTj sf]ifdf 5'§\ofO{
vr{ ug'{kg]{ /sdsf] jflif{s $) k|ltzt;Dd vr{ ug{ dfly plNnlvt Joj:yfn] afwf
 o; a}+saf6 Ohfhtkqk|fKt æsÆ, ævÆ, æuÆ ju{sf a}+s tyf ljQLo ;+:Yffx?nfO{ hf/L ul/Psf] PsLs[t lgb{]zg, @)*) df ;+zf]wg

k'u]sf] dflgg] 5}g .

7. O=k|f=lgb]{zg g+= @! sf] o; a}+saf6 Ohfhtkqk|fKt ;+:yfx?nfO{ k|rlnt o; a}+saf6 Ohfhtkqk|fKt ;+:yfx?nfO{ k|rlnt P]gdf ePsf] Joj:yfcg';f/ pknAw
a'Fbf & df ;+zf]wg P]gdf ePsf] Joj:yf cg';f/ pknAw u/fO{g] u/fO{g] shf{sf] Aofhb/ -a}+sb/_ &=) k|ltzt sfod ul/Psf] 5 .
ul/Psf] . shf{sf] Aofhb/ -a}+sb/_ &=% k|ltzt sfod
ul/Psf] 5 .
8. O=k|f=lgb]{zg g+= @! sf] v_ Aofhb/ sl/8f]/sf]] dflyNnf] ;Ldfsf] ?kdf v_ Aofhb/ sl/8f]/sf]] dflyNnf] ;Ldfsf] ?kdf /x]sf] :yfoL t/ntf ;'ljwf b/ &=)
a'Fbf !) sf] pka'Fbf - /x]sf] :yfoL t/ntf ;'ljwf b/ &=% k|ltzt, k|ltzt, tNnf] ;Ldfsf] ?kdf /x]sf] lgIf]k ;+sng b/ #=) k|ltzt / gLltut b/sf]
v_ df ;+zf]wg ul/Psf] tNnf] ;Ldfsf] ?kdf /x]sf] lgIf]k ;+sng b/ ?kdf /x]sf] l/kf] b/nfO{ %=% k|ltzt sfod ul/Psf] 5 .
. $=% k|ltzt / gLltut b/sf] ?kdf /x]sf] l/kf]
b/nfO{ ^=% k|ltzt sfod ul/Psf] 5 .
9. cg';"rL ! sf] Capital 7. Real Estate loans for land acquisition x6fOPsf] .
Adequacy and development shall attract risk
Framework 2015 sf] weight of 150%. (Other than mentioned
3.3 sf] i(7) x6fOPsf] in Capital Adequacy framework 2015-
. point 3.3(j)(1)k)

10. cg';"rL ! sf] Capital xfn g/x]sf] . n. Real Estate loans for land acquisition and development shall attract
Adequacy risk weight of 125%. (Other than mentioned in Capital Adequacy
Framework 2015 sf] framework 2015-point 3.3(j)(1)(k)
3.3 sf] j(1)(n) yk
ul/Psf] .
11. cg';"rL ! sf] Capital 8. Lending against shares (above Rs. 5 x6fOPsf] .
Adequacy Million) shall attract risk weight of
Framework 2015 sf] 150%.
3.3 sf] i(8) x6fPsf]] .
12. cg';"rL ! sf] Capital xfn g/x]sf] . o. Lending against shares (above Rs. 5 Million) shall attract risk
Adequacy weight of 125%.
 o; a}+saf6 Ohfhtkqk|fKt æsÆ, ævÆ, æuÆ ju{sf a}+s tyf ljQLo ;+:Yffx?nfO{ hf/L ul/Psf] PsLs[t lgb{]zg, @)*) df ;+zf]wg

Framework 2015 sf]

3.3 sf] j(o) df yk
ul/Psf] .
13. cg';"rL ! sf] yk ul/Psf] . Specific
Provision
Capital Book & Eligible Risk Risk Weighted
Net Value
Adequacy A. Balance Sheet Value Valuation CRM Weight Exposures
Exposures Adjustmen
Framework 2015 t
sf] FORM No.2:
RISK WEIGHTED Real Estate loans for
land acquisition and
EXPOSURE FOR
development (Other
CREDIT RISK df than mentioned in 0 0 0 0 125% 0
yk ul/Psf] . Capital Adequacy
framework 2015-point
3.3(j)(1)(k))

Lending against
shares (above Rs. 5 0 0 0 0 125% 0
Million)

14. cg';"rL ! sf] yk ul/Psf] . Credit Depo Depo Gol Govt. G'tee Sec/ G'tee G'tee Sec/ Tot
sits sits d & of G'tee of of of G'tee of al
exposures
Capital Adequacy with
Bank
with
other
NRB
Securit
Govt.
of
Other
Sovereig
domest
ic
MDBs Foreign
Banks
Framework 2015 bank
s/FI
ies Nepal ns banks

sf] FORM NO.3 Real Estate loans

ELIGIBLE CREDIT for land
acquisition and
RISK MITIGANTS df development
(Other than
yk ul/Psf] . mentioned in
Capital Adequacy
framework 2015-
point 3.3(j)(1)(k))

Lending against
shares (above Rs.
5 Million)
 o; a}+saf6 Ohfhtkqk|fKt æsÆ, ævÆ, æuÆ ju{sf a}+s tyf ljQLo ;+:Yffx?nfO{ hf/L ul/Psf] PsLs[t lgb{]zg, @)*) df ;+zf]wg

15. cg';"rL ! sf] Capital 7. Real Estate loans for land acquisition x6fOPsf] .
Adequacy and development shall attract risk
Framework 2007 sf] weight of 150%. (Other than mentioned
3.3 sf] i(7) x6fOPsf] in Capital Adequacy framework 2007-
. point 3.3(j)(1)j)

16. cg';"rL ! sf] Capital xfn g/x]sf] . m. Real Estate loans for land acquisition and development shall attract
Adequacy risk weight of 125%. (Other than mentioned in Capital Adequacy
Framework 2007 sf] framework 2007-point 3.3(j)(1)j)
3.3 sf] j(m) yk
ul/Psf] .
17. cg';"rL ! sf] Capital 8. Lending against shares (above Rs. 5 x6fOPsf] .
Adequacy Million) shall attract risk weight of 150%.
Framework 2007 sf]
3.3 sf] i(8) x6fOPsf]
.
18. cg';"rL ! sf] Capital xfn g/x]sf] . n. Lending against shares (above Rs. 5 Million) shall attract risk
Adequacy weight of 125%.
Framework 2007 sf]
3.3 sf] j(n) yk
ul/Psf] .
19. cg';"rL ! sf] yk ul/Psf] . Specific
Capital Provision
Book & Eligible Risk Risk Weighted
Adequacy A. Balance Sheet Value Valuation CRM
Net Value
Weight Exposures
Framework 2007 Exposures Adjustmen
t
sf] FORM No.2:
RISK WEIGHTED
EXPOSURE FOR
CREDIT RISK df
 o; a}+saf6 Ohfhtkqk|fKt æsÆ, ævÆ, æuÆ ju{sf a}+s tyf ljQLo ;+:Yffx?nfO{ hf/L ul/Psf] PsLs[t lgb{]zg, @)*) df ;+zf]wg

yk ul/Psf] . Real Estate loans for

land acquisition and
development (Other
than mentioned in 0 0 0 0 125% 0
Capital Adequacy
framework 2015-point
3.3(j)(1)(k))

Lending against
shares (above Rs. 5 0 0 0 0 125% 0
Million)

20. cg';"rL ! sf] yk ul/Psf] . Credit Depo

sits
Depo
sits
Gol
d
Govt.
&
G'tee
of
Sec/
G'tee of
G'tee
of
G'tee
of
Sec/
G'tee of
Tot
al
exposures
Capital Adequacy with
Bank
with
other
NRB
Securit
Govt.
of
Other
Sovereig
domest
ic
MDBs Foreign
Banks
Framework 2007 bank
s/FI
ies Nepal ns banks

sf] FORM NO.3 Real Estate loans

ELIGIBLE CREDIT for land
acquisition and
RISK MITIGANTS df development
(Other than
yk ul/Psf] . mentioned in
Capital Adequacy
framework 2015-
point 3.3(j)(1)(k))

Lending against
shares (above Rs.
5 Million)