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The NEPSE Journal

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Market commentary, data deep-dives, and trading notes from the NEPSE Trading desk.

All Articles — Page 278

2793 posts

NRB1 min read
Understanding Total Prescribed Sector Loans According to NRB Guidelines
Nepal Rastra Bank (NRB) mandates that banks allocate a minimum percentage of their loan portfolio to key sectors: 25% for commercial banks, 15% for development banks, and 10% for finance companies. This requirement supports economic growth by ensuring adequate funding for agriculture, hydropower/energy, and micro, cottage, and small and medium industries (MCSMI).
Sandeep Chaudhary3 Jun, 2024
NRB1 min read
Effective Management of Non-Performing Loans (NPL) According to NRB Guidelines
Non-Performing Loans (NPL), as defined by Nepal Rastra Bank (NRB), are loans overdue for more than 90 days. NRB mandates specific provisioning: 25% for substandard loans, 50% for doubtful loans, and 100% for loss loans. Effective NPL management ensures financial stability, risk mitigation, and regulatory compliance.
Sandeep Chaudhary3 Jun, 2024
NRB1 min read
Statutory Liquidity Reserve (SLR) Requirements for Banks, Development Banks, and Finance Companies in Nepal
Nepal Rastra Bank (NRB) mandates minimum Statutory Liquidity Reserve (SLR) requirements to ensure financial stability. Commercial banks must maintain 10% of their Net Demand and Time Liabilities (NDTL) as liquid assets, development banks 8%, and finance companies 7%. These requirements ensure adequate liquidity to meet short-term obligations and regulatory compliance.
Sandeep Chaudhary3 Jun, 2024
banking1 min read
The Essential Role of the Net Liquidity Ratio in Banking Stability
The Nepal Rastra Bank (NRB) mandates a minimum Net Liquidity Ratio of 20% to ensure banks have sufficient liquid assets to meet short-term obligations. This ratio helps manage liquidity risks, maintain depositor confidence, and ensure regulatory compliance, contributing to the overall stability and health of the banking sector
Sandeep Chaudhary3 Jun, 2024
CDratio1 min read
Understanding the Credit-Deposit (CD) Ratio According to NRB Guidelines
The Credit-Deposit (CD) Ratio, as per Nepal Rastra Bank (NRB) guidelines, measures the proportion of deposits utilized for lending. It ensures banks balance liquidity and profitability by maintaining the ratio within prescribed limits
Sandeep Chaudhary3 Jun, 2024
CAR1 min read
Ensuring Bank Stability: Understanding Capital Adequacy Ratios According to NRB Guidelines
Capital Adequacy Ratios (CAR), mandated by Nepal Rastra Bank (NRB), measure a bank's ability to absorb losses and protect depositors. Including Core Capital (Tier I) and Supplementary Capital (Tier II), these ratios ensure financial stability, risk management, and regulatory compliance, enhancing confidence in the banking sector.
Sandeep Chaudhary3 Jun, 2024
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capital2 min read
Understanding Total Capital Fund (Tier I and Tier II Capital) According to NRB Guidelines
Total Capital Fund, comprising Tier I and Tier II capital, ensures a bank's financial stability and resilience. According to Nepal Rastra Bank (NRB) guidelines, it includes core equity, reserves, subordinated debt, and hybrid instruments. This fund is vital for absorbing losses, managing risks, and maintaining regulatory compliance.
Sandeep Chaudhary3 Jun, 2024
core capital1 min read
Understanding Core Capital (Tier I Capital) According to NRB Guidelines
Core Capital (Tier I Capital) is crucial for a bank's financial stability, consisting of paid-up equity, share premium, non-redeemable preference shares, reserves, and retained earnings. According to Nepal Rastra Bank guidelines, maintaining robust Core Capital ensures banks can absorb losses, manage risks, and comply with regulatory requirements.
Sandeep Chaudhary3 Jun, 2024
banking3 min read
Financial Health Report: Analyzing the Strengths and Weaknesses of Nepalese Commercial Banks in Chait 2080
This financial analysis of Nepalese commercial banks in Chait 2080 highlights key metrics including core capital, total capital, capital adequacy ratios, deposits, loans, credit-deposit ratio, net liquidity, statutory liquidity reserve, and prescribed sector lending. The report identifies top and bottom performers, providing insights into the sector's strengths and weaknesses
Sandeep Chaudhary3 Jun, 2024
EPS1 min read
Understanding EPS Variants: EPS-TTM, EPS-Adjusted, EPS-Diluted, and EPS-Annualized
EPS variants provide different profitability insights: EPS-TTM (trailing twelve months) shows recent performance, EPS-Adjusted excludes one-time items for clarity, EPS-Diluted accounts for potential shares from convertible securities, and EPS-Annualized projects earnings based on recent periods. Each variant aids in making informed investment decisions.
Sandeep Chaudhary2 Jun, 2024

NEPSEtrading

Primary issues

Income & debt

Live market

Read & learn

NEPSE Trading Network

Insights & Analysis

All Articles — Page 278

Understanding Total Prescribed Sector Loans According to NRB Guidelines

Effective Management of Non-Performing Loans (NPL) According to NRB Guidelines

Statutory Liquidity Reserve (SLR) Requirements for Banks, Development Banks, and Finance Companies in Nepal

The Essential Role of the Net Liquidity Ratio in Banking Stability

Understanding the Credit-Deposit (CD) Ratio According to NRB Guidelines

Ensuring Bank Stability: Understanding Capital Adequacy Ratios According to NRB Guidelines

Understanding Total Capital Fund (Tier I and Tier II Capital) According to NRB Guidelines

Understanding Core Capital (Tier I Capital) According to NRB Guidelines

Financial Health Report: Analyzing the Strengths and Weaknesses of Nepalese Commercial Banks in Chait 2080

Understanding EPS Variants: EPS-TTM, EPS-Adjusted, EPS-Diluted, and EPS-Annualized

NEPSEtrading

Primary issues

Income & debt

Live market

Read & learn

NEPSE Trading Network

Insights & Analysis

All Articles — Page 278

Understanding Total Prescribed Sector Loans According to NRB Guidelines

Effective Management of Non-Performing Loans (NPL) According to NRB Guidelines

Statutory Liquidity Reserve (SLR) Requirements for Banks, Development Banks, and Finance Companies in Nepal

The Essential Role of the Net Liquidity Ratio in Banking Stability

Understanding the Credit-Deposit (CD) Ratio According to NRB Guidelines

Ensuring Bank Stability: Understanding Capital Adequacy Ratios According to NRB Guidelines

Understanding Total Capital Fund (Tier I and Tier II Capital) According to NRB Guidelines

Understanding Core Capital (Tier I Capital) According to NRB Guidelines

Financial Health Report: Analyzing the Strengths and Weaknesses of Nepalese Commercial Banks in Chait 2080

Understanding EPS Variants: EPS-TTM, EPS-Adjusted, EPS-Diluted, and EPS-Annualized