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÷kl/dfh{g÷yk ;DaGwdf .
qm=;+= Joj:yf g+= ljBdfg Joj:yf
1. O=k|f= lgb]{zg g+= !% sf] -#_ ;+:yfut d'2tL lgIf]k -af]nsaf]n;d]t_ df k|bfg
aF'bf g+= ! sf] pkaF'bf -#_ ul/g] clwstd Aofhb/ ;j{;fwf/0fnfO{ d'2tL
df ;+zf]wg . lgIf]kdf k|bfg ul/g] clwstd Aofhb/eGbf sDtLdf
@ k|ltzt laGb'n] sd x'g'kg]{5 .
2. O=k|f= lgb]{zg g+= !% sf] af]nsjf]n (Bidding) sf] cfwf/df ;+sng x'g] d'2tL
aF'bf g+= ! sf] pkaF'bf -*_ lgIf]k -:jb]zL tyf ljb]zL d'b|f_ sf] xsdf k|sflzt
df x6fOPsf] . Aofhb/df )=% k|ltzt laGb' eGbf a9L gx'g] u/L
lgIf]k ;+sng ug{' kg]{5 .
3. cg';"rL !=! / !=@ sf]
Capital Adequacy e. Claims on regulatory retail portfolio
1. Claims that qualify all criteria listed below may be
Framework 2015 / Capital
considered as regulatory retail portfolio and risk
Adequacy Framework weighed at 75%, except for past due loans. Such claims
2007 (updated July 2008) however, have to be in strict compliance with the
sf] 3.3 sf] e. df ;+zf]wg . Product paper developed by the bank and approved by
their respective board of directors
Criteria:
• Orientation criteria:- exposure is to an individual
person or persons or to a small business. Bank should
obtain written declaration from the borrower to the
effect that their indebtedness is within the threshold
across all banks and FIs.
• Product criteria :- The exposure takes the form of any
of the following:
− Revolving credits and lines of credit, (including
cash credit etc.)
− Term loans and leases (e.g. hire purchase (except
personal), auto loans (except personal), and
leases, working capital term loans, educational
loans) and,
− Small business facilities and commitments,
− Deprived sector loans up to a threshold of Rs.10
;+zf]lwt Joj:yf
-#_ ;+:yfut d'2tL lgIf]k -af]nsaf]n;d]t_ df k|bfg
ul/g] clwstd Aofhb/ ;j{;fwf/0fnfO{ d'2tL lgIf]kdf
k|bfg ul/g] clwstd Aofhb/eGbf sDtLdf ! k|ltzt
laGb'n] sd x'g'kg]{5 .
Gff]6M pko'{Qm adf]lhdsf] Joj:yf @)*) r}t ! b]lv
nfu' x'g]5 .
x6fOPsf] .
e. Claims on regulatory retail portfolio
1. Claims that qualify all criteria listed below may be
considered as regulatory retail portfolio and risk weighed
at 75%, except for past due loans. Such claims however,
have to be in strict compliance with the Product paper
developed by the bank and approved by their respective
board of directors
Criteria:
• Orientation criteria:- exposure is to an individual person
or persons or to a small business. Bank should obtain
written declaration from the borrower to the effect that
their indebtedness is within the threshold across all banks
and FIs.
• Product criteria :- The exposure takes the form of any of
the following:
− Revolving credits and lines of credit, (including
cash credit etc.)
− Term loans and leases (e.g. hire purchase (except
personal), auto loans (except personal), and leases,
working capital term loans, educational loans) and,
− Small business facilities and commitments,
− Deprived sector loans
• Granularity criteria:- NRB must be satisfied that the
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÷kl/dfh{g÷yk ;DaGwdf .
million (Ten Million only)
• Granularity criteria:- NRB must be satisfied that the
regulatory retail portfolio is sufficiently diversified to a
degree that reduces the risks in the portfolio, warranting
the 75% risk weight. No aggregate exposure to one
counterpart can exceed 0.5 % of the overall regulatory
retail portfolio.
• Low value individual criteria:- The total aggregated
exposure to one counterpart cannot exceed an absolute
threshold of Rs.10 million (Nepalese Rupees Ten
Million only)
2.Banks which have claims that fulfill all criterion
except for granularity may risk weigh those claims at
100%
regulatory retail portfolio is sufficiently diversified to a
degree that reduces the risks in the portfolio, warranting
the 75% risk weight. No aggregate exposure to one
counterpart can exceed 0.5 % of the overall regulatory
retail portfolio.
• Low value individual criteria:- The total aggregated
exposure to one counterpart cannot exceed an absolute
threshold of Rs. 20 million (Nepalese Rupees Twenty
Million only)
2.Banks which have claims that fulfill all criterion except
for granularity may risk weigh those claims at 100%