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
1.
O=k|f=lgb]{zg g+= @ sf]
a'Fbf * sf] pka'F'bf -%_
df yk u/L qmd;+Vof
ldnfg ul/Psf] .
xfn g/x]sf] .
2.
O=k|f=lgb]{zg g+= @ sf]
a'Fbf #( sf] pka'Fbf (_ df yk u/L
qmd;Vof
ldnfg
ul/Psf] .
O=k|f=lgb]{zg g+= @ sf]
a'Fbf $% sf] pka'Fbf u_ df ;+zf]wg ul/Psf]
.
3.
;+zf]lwt Joj:yf
-%_ a}+s tyf ljQLo ;+:yfn] kl/l:yltjz ;d:ofdf k/]sf C0fLx?sf] xsdf -s_ s[lif
/ jg, -v_ df5fkfng, -u_ vfgL, -3_ s[lif, jg / k]okbfy{ pTkfbg -;"tL{ k|zf]wg /
dlb/fhGo afx]s_, -ª_ u}/vfB j:t' pTkfbg, -r_ wft'sf pTkfbgx?, d]l;g/L tyf
On]S6«f]lgs cf}hf/ tyf h8fg, -5_ oftfoft, e08f/ / ;+rf/, -h_ yf]s tyf v'b|f
ljqmL, -em_ ko{6g, -`_ lzIff Pj :jf:Yo, -6_ lgDff{0f -l;d]G6, 808L, O{F6f÷Ans,
kfO{K;\ P08 lkml6Ë;\ nufotsf pBf]udf k|jflxt shf{ ;d]t_ If]q;Fu ;DalGwt shf{
/ cGo ;a} If]qdf k|jfx ePsf ?= % s/f]8;Ddsf shf{nfO{ C0fLsf] cg'/f]wdf
pBf]u÷Joj;fosf] gubk|jfx tyf cfDbfgL] ljZn]if0f u/L cfjZostf / cf}lrTosf]
cfwf/df a'emfpg'kg]{ Aofhsf] slDtdf !) k|ltzt /sd c;'n pk/ u/L b]xfosf
zt{x?sf] cwLgdf /xL shf{sf] k'g/tflnsLs/0f /÷jf k'g/;+/rgf ug{ ;lsg]5 .
-!_ o:tf] k'g/tflnsLs/0f /÷jf k'g/;+/rgf @)*) r}t d;fGtleq ul/;Sg' kg]{5 .
-@_ @)*) c;f/ d;fGtdf ;lqmo ju{df juL{s/0f ePsf] shf{nfO{ k'g/tflnsLs/0f
/÷jf k'g/;+/rgf ug{ ;lsg]5 .
-#_ pko'{Qm adf]lhd k'g/tflnsLs/0f /÷jf k'g/;+/rgf ul/Psf shf{x?df %
k|ltzt shf{ gf]S;fgL Joj:yf sfod ug'{kg]{5 .
-$_ 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 .
-(_
@)*) sflQssf] e"sDksf sf/0f Ifltu|:t ePsf cfjf;Lo 3/x?sf]
xfn g/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]{ ?= @% nfv;Ddsf] cfjf;Lo
3/shf{df cfwf/ b/df clwstd @ k|ltzt;Dd lk|ldod yk u/L Aofhb/ sfod
ug'{kg]{5 .
-u_ Ohfhtkqk|fKt ;+:yfn] clwstd ;Ldf
u_ Ohfhtkqk|fKt ;+:yfn] clwstd ;LdfeGbf a9L x'g] u/L shf{ k|jfx u/]df ;f]
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 .
;'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]
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\ .
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]ifdf 5'6\ofPsf] /sdnfO{ ljQLo ;fIf/tf
sf] df ;+zf]wg
k|j4{g ug]{ nufotsf lqmofsnfknfO{ k|f]T;flxt
ul/Psf] .
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 .
6.
xfn g/x]sf] .
-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.
8.
9.
O=k|f=lgb]{zg g+= @! sf] o; a}+saf6 Ohfhtkqk|fKt ;+:yfx?nfO{ k|rlnt
a'Fbf & df ;+zf]wg
P]gdf ePsf] Joj:yf cg';f/ pknAw u/fO{g]
ul/Psf] .
shf{sf] Aofhb/ -a}+sb/_ &=% k|ltzt sfod
ul/Psf] 5 .
O=k|f=lgb]{zg g+= @! sf] v_ Aofhb/ sl/8f]/sf]] dflyNnf] ;Ldfsf] ?kdf
a'Fbf !) sf] pka'Fbf - /x]sf] :yfoL t/ntf ;'ljwf b/ &=% k|ltzt,
v_ df ;+zf]wg ul/Psf] tNnf] ;Ldfsf] ?kdf /x]sf] lgIf]k ;+sng b/
.
$=% k|ltzt / gLltut b/sf] ?kdf /x]sf] l/kf]
b/nfO{ ^=% k|ltzt sfod ul/Psf] 5 .
cg';"rL ! sf] Capital 7. Real Estate loans for land acquisition
Adequacy
Framework 2015 sf]
3.3 sf] i(7) x6fOPsf]
10.
.
cg';"rL ! sf] Capital
11.
12.
Adequacy
Framework 2015 sf]
3.3 sf] i(8) x6fPsf]] .
cg';"rL ! sf] Capital
Adequacy
v_ Aofhb/ sl/8f]/sf]] dflyNnf] ;Ldfsf] ?kdf /x]sf] :yfoL t/ntf ;'ljwf b/ &=)
k|ltzt, tNnf] ;Ldfsf] ?kdf /x]sf] lgIf]k ;+sng b/ #=) k|ltzt / gLltut b/sf]
?kdf /x]sf] l/kf] b/nfO{ %=% k|ltzt sfod ul/Psf] 5 .
x6fOPsf] .
and development shall attract risk
weight of 150%. (Other than mentioned
in Capital Adequacy framework 2015point 3.3(j)(1)k)
xfn g/x]sf] .
Adequacy
Framework 2015 sf]
3.3 sf] j(1)(n) yk
ul/Psf] .
cg';"rL ! sf] Capital
o; a}+saf6 Ohfhtkqk|fKt ;+:yfx?nfO{ k|rlnt P]gdf ePsf] Joj:yfcg';f/ pknAw
u/fO{g] shf{sf] Aofhb/ -a}+sb/_ &=) k|ltzt sfod ul/Psf] 5 .
n. Real Estate loans for land acquisition and development shall attract
risk weight of 125%. (Other than mentioned in Capital Adequacy
framework 2015-point 3.3(j)(1)(k)
8. Lending against shares (above Rs. 5 x6fOPsf] .
Million) shall attract risk weight of
150%.
xfn g/x]sf] .
o. Lending against shares (above Rs. 5 Million) shall attract risk
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
13.
ul/Psf] .
cg';"rL ! sf]
Capital
Adequacy
Framework 2015
sf] FORM No.2:
yk ul/Psf] .
A. Balance Sheet
Exposures
RISK WEIGHTED
EXPOSURE FOR
CREDIT RISK df
yk ul/Psf] .
14.
cg';"rL ! sf]
Capital Adequacy
Framework 2015
sf] FORM NO.3
ELIGIBLE CREDIT
RISK MITIGANTS df
yk ul/Psf] .
yk ul/Psf] .
Specific
Provision
Book
&
Eligible
Value Valuation
CRM
Adjustmen
t
Net Value
Risk
Weight
Risk Weighted
Exposures
Real Estate loans for
land acquisition and
development (Other
than mentioned in
Capital Adequacy
framework 2015-point
3.3(j)(1)(k))
0
0
0
0
125%
Lending against
shares (above Rs. 5
Million)
0
0
0
0
125%
0
G'tee
of
MDBs
Sec/
G'tee of
Foreign
Banks
Credit
exposures
Real Estate loans
for
land
acquisition
and
development
(Other
than
mentioned
in
Capital Adequacy
framework 2015point 3.3(j)(1)(k))
Lending against
shares (above Rs.
5 Million)
Depo
sits
with
Bank
Depo
sits
with
other
bank
s/FI
Gol
d
Govt.
&
NRB
Securit
ies
G'tee
of
Govt.
of
Nepal
Sec/
G'tee of
Other
Sovereig
ns
G'tee
of
domest
ic
banks
0
Tot
al
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
Adequacy
Framework 2007 sf]
3.3 sf] i(7) x6fOPsf]
16.
.
cg';"rL ! sf] Capital
7. Real Estate loans for land acquisition
and development shall attract risk
weight of 150%. (Other than mentioned
in Capital Adequacy framework 2007point 3.3(j)(1)j)
x6fOPsf] .
xfn g/x]sf] .
m. Real Estate loans for land acquisition and development shall attract
risk weight of 125%. (Other than mentioned in Capital Adequacy
framework 2007-point 3.3(j)(1)j)
Adequacy
Framework 2007 sf]
3.3 sf] j(m) yk
17.
ul/Psf] .
cg';"rL ! sf] Capital
Adequacy
Framework 2007 sf]
3.3 sf] i(8) x6fOPsf]
18.
.
cg';"rL ! sf] Capital
8. Lending against shares (above Rs. 5
Million) shall attract risk weight of 150%.
xfn g/x]sf] .
Adequacy
Framework 2007 sf]
3.3 sf] j(n) yk
19.
ul/Psf] .
cg';"rL ! sf]
Capital
Adequacy
Framework 2007
sf] FORM No.2:
RISK WEIGHTED
EXPOSURE FOR
CREDIT RISK df
x6fOPsf] .
n. Lending against shares (above Rs. 5 Million) shall attract risk
weight of 125%.
yk ul/Psf] .
A. Balance Sheet
Exposures
Specific
Provision
Book
&
Eligible
Value Valuation
CRM
Adjustmen
t
Net Value
Risk
Weight
Risk Weighted
Exposures
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] .
20.
cg';"rL ! sf]
Capital Adequacy
Framework 2007
sf] FORM NO.3
ELIGIBLE CREDIT
RISK MITIGANTS df
yk ul/Psf] .
yk ul/Psf] .
Real Estate loans for
land acquisition and
development (Other
than mentioned in
Capital Adequacy
framework 2015-point
3.3(j)(1)(k))
0
0
0
0
125%
Lending against
shares (above Rs. 5
Million)
0
0
0
0
125%
0
G'tee
of
MDBs
Sec/
G'tee of
Foreign
Banks
Credit
exposures
Real Estate loans
for
land
acquisition
and
development
(Other
than
mentioned
in
Capital Adequacy
framework 2015point 3.3(j)(1)(k))
Lending against
shares (above Rs.
5 Million)
Depo
sits
with
Bank
Depo
sits
with
other
bank
s/FI
Gol
d
Govt.
&
NRB
Securit
ies
G'tee
of
Govt.
of
Nepal
Sec/
G'tee of
Other
Sovereig
ns
G'tee
of
domest
ic
banks
0
Tot
al