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
qm=;+= Joj:yf g+= ljBdfg Joj:yf ;+zf]lwt Joj:yf
1. O=k|f=lgb]{zg g+= @÷)*) -!_ o; lgb]{zg adf]lhd juL{s/0f ul/Psf shf{ tyf laN; vl/bsf] nflu -!_ o; lgb]{zg adf]lhd juL{s/0f ul/Psf shf{ tyf laN;
sf] a'Fbf g+ ( sf] pka'Fbf aSof}tf ;fFjf /sdsf] cfwf/df b]xfo adf]lhd shf{ gf]S;fgL Joj:yf sfod vl/bsf] nflu aSof}tf ;fFjf /sdsf] cfwf/df b]xfo adf]lhd
-!_ df ;+zf]wg . ug'{ kg]5
{ M– shf{ gf]S;fgL Joj:yf sfod ug'{ kg]{5 M–
shf{ juL{s/0f Go"gtd shf{ gf]S;fgL Joj:yf shf{ juL{s/0f Go"gtd shf{ gf]S;fgL Joj:yf
-s_ c;n !=@% k|ltzt -s_ c;n !=@) k|ltzt
-v_ ;'Id lgu/fgL % k|ltzt -v_ ;'Id lgu/fgL % k|ltzt
-u_ sd;n @% k|ltzt -u_ sd;n @% k|ltzt
-3_ z+sf:kb %) k|ltzt -3_ z+sf:kb %) k|ltzt
-ª_ v/fa !)) k|ltzt -ª_ v/fa !)) k|ltzt

2. O=k|f=lgb]{zg g+= @÷)*) -^_ Ps jif{ eGbf a9L u|]; cjlw ePsf phf{ nufotsf k"jf{wf/ lgdf{0f;Fu
sf] a'Fbf g+ ( sf] pka'Fbf ;DalGwt kl/of]hgfx?df k|jflxt c;n shf{x?sf] u|]; cjlw;Dd k|To]s jif{
-^_ df ;+zf]wg . ;dfg'kflts ?kdf shf{ gf]S;fgL Joj:yf u/L clGtd jif{ !=@% k|ltzt ;fdfGo
shf{ gf]S;fgL Joj:yf sfod ug{ ;lsg] 5 .
pbfx/0fsf] nflu, s'g} shf{sf] u|]; cjlw $ jif{ /x]5 eg] To:tf] shf{sf] nflu
klxnf] jif{ )=#@% k|ltzt, bf];|f] jif{ )=^% k|ltzt , t]>f] jif{ )=(&% k|ltzt /
rf}yf] jif{b]lv !=@% k|ltzt ;fwf/0f shf{ gf]S;fgL Joj:yf sfod ug{ ;lsg] 5 .
-^_ Ps jif{ eGbf a9L u|]; cjlw ePsf phf{ nufotsf k"jf{wf/
lgdf{0f;Fu ;DalGwt kl/of]hgfx?df k|jflxt c;n shf{x?sf] u|];
cjlw;Dd k|To]s jif{ ;dfg'kflts ?kdf shf{ gf]S;fgL Joj:yf
u/L clGtd jif{ !=@) k|ltzt ;fdfGo shf{ gf]S;fgL Joj:yf
sfod ug{ ;lsg] 5 .
pbfx/0fsf] nflu, s'g} shf{sf] u|]; cjlw $ jif{ /x]5 eg] To:tf]
shf{sf] nflu klxnf] jif{ )=#) k|ltzt, bf];|f] jif{ )=^) k|ltzt ,
t]>f] jif{ )=() k|ltzt / rf}yf] jif{b]lv !=@) k|ltzt ;fwf/0f
shf{ gf]S;fgL Joj:yf sfod ug{ ;lsg] 5 .

3. O=k|f=lgb]{zg g+= @÷)*) -&_ /]zd, h'6, skf; nufotsf s[lif v]tL / Joj;flos ?kdf ul/g] cfFk,
sf] a'Fbf g+ ( sf] pka'Fbf ;'Gtnf, h'gf/, df};d, lsjL, 8«ofug k|m'6, sfutL, lnrL, Pef]sf8f] h:tf kmnk"mn
-&_ df ;+zf]wg . v]tLsf nflu k|bfg ul/Psf] shf{df klxnf] jif{ )=@ k|ltzt, bf];|f] jif{ )=^
k|ltzt / t]>f] jif{b]lv !=@% k|ltzt ;fwf/0f shf{ gf]S;fgL Joj:yf sfod ug{
;lsg]5 .
4. O=k|f=lgb]{zg g+= @÷)*) -ª_ a}+s tyf ljQLo ;+:yfaf6 shf{ k|jfx ePsf kl/of]hgfsf] pTkfbg Ifdtf
sf] a'Fbf g+ ( sf] pka'Fbf (Production Capacity) lj:tf/ x'g] ;'lglZrt eO{ nufgLdf x'g] j[l4 jf cGo
-*_ sf] ª df ;+zf]wg nfutdf j[l4 h:tf sf/0fn] z'?df tf]lsPsf] shf{ e'QmfgL ug]{ cjlw
(Repayment Schedule) df shf{ r'Qmf ug{ ;Sg] l:ylt g/x]sf C0fLdWo] /fli6«o
k|fyldstfdf /x]sf xfO{8«f]kfj/, s]jnsf/, l;d]G6, tf/] xf]6n jf cGo k"jf{wf/
lgdf{0f;DaGwL kl/of]hgfx?nfO{ b]xfosf zt{ k"/f u/L k'g/tflnsLs/0f /÷jf
k'g/;+/rgf u/]sf] cj:yfdf !=@% k|ltzt dfq shf{ gf]S;fgL Joj:yf sfod ug{
-&_ /]zd, h'6, skf; nufotsf s[lif v]tL / Jofj;flos ?kdf
ul/g] cfFk, ;'Gtnf, h'gf/, df};d, lsjL, 8«ofug k|m'6, sfutL,
lnrL, Pef]sf8f] h:tf kmnk"mn v]tLsf nflu k|bfg ul/Psf] shf{df
klxnf] jif{ )=@ k|ltzt, bf];|f] jif{ )=^ k|ltzt / t]>f] jif{b]lv
!=@) k|ltzt ;fwf/0f shf{ gf]S;fgL Joj:yf sfod ug{ ;lsg]5 .
-ª_ a}+s tyf ljQLo ;+:yfaf6 shf{ k|jfx ePsf kl/of]hgfsf]
pTkfbg Ifdtf (Production Capacity) lj:tf/ x'g] ;'lglZrt eO{
nufgLdf x'g] j[l4 jf cGo nfutdf j[l4 h:tf sf/0fn] z'?df
tf]lsPsf] shf{ e'QmfgL ug]{ cjlw (Repayment Schedule) df
shf{ r'Qmf ug{ ;Sg] l:ylt g/x]sf C0fLdWo] /fli6«o k|fyldstfdf
/x]sf xfO{8«f]kfj/, s]jnsf/, l;d]G6, tf/] xf]6n jf cGo k"jf{wf/
lgdf{0f;DaGwL kl/of]hgfx?nfO{ b]xfosf zt{ k"/f u/L
 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
;lsg] 5 . o;/L k'g/tflnsLs/0f /÷jf k'g/;+/rgf ul/Psf shf{nfO{ c;n
shf{sf] ?kdf juL{s/0f ug{ ;lsg] 5 .
-c_ kl/of]hgf lgliqmo geO{ ;~rfng d} /x]sf] jf ;~rfng z'? x'g] qmddf
/x]sf] x'g'kg]{, /
-cf_ z'?df shf{ k|jfx ubf{ lgwf{/0f ul/Psf] u|]; -Moratorium_ cjlw eGbf
kl5sf] cjlwdf kfs]sf] Aofh k'FhLs[t u/L cfDbfgL afWg gkfOg] .
-O_ a}+s tyf ljQLo ;+:yfaf6 kl/of]hgfsf] pTkfbg Ifdtf (Production
Capacity) lj:tf/ ePsf] ;'lglZrt ug'kg]{ .
5. O=k|f=lgb]{zg g+= @÷)*) -r_ a}+s tyf ljQLo ;+:yfn] s'v'/fkfng Joj;fosf nflu k|jfx u/]sf] shf{
sf] a'Fbf g+ ( sf] pka'Fbf a8{ˆn' /f]usf sf/0f ;fljssf] e'QmfgL tflnsf jf zt{ adf]lhd r'Qmf ug{ g;Sg]
-*_ sf] r df ;+zf]wg . eO{ shf{ k'g/;+/rgf jf k'g/tflnsLs/0f ug'{ k/]df Ps k6snfO{ C0fLsf] C0f
ltg]{ lnlvt of]hgf, lwtf] ;'/If0fsf] kof{Kttf / eljiodf C0f ltg{ ;Sg] Ifdtfsf
cfwf/df k'g;+/rgf jf k'g/tflnsLs/0f u/]sf] cj:yfdf !=@% k|ltzt dfq shf{
gf]S;fgL Joj:yf sfod ug{ ;Sg] u/L k'g/tflnsLs/0f÷k'g/;+/rgf ug{ ;lsg]
5 . o;/L k'g/tflnsLs/0f÷k'g/;+/rgf ul/Psf shf{x?nfO{ c;n shf{sf] ?kdf
juL{s/0f ug{ ;lsg] 5 .
6. O=k|f=lgb]{zg g+= @÷)*) 45. C0f e'QmfgL cfDbfgL cg'kft (Debt Service to Gross Income Ratio)
sf] a'Fbf g+ $% df sfod ug]{ ;DaGwdf M
;+zf]wg . a}+s tyf ljQLo ;+:yfn] JolQmut k|s[ltsf cfjlws shf{, 3/ shf{ tyf xfo/
kr]{h shf{ nufotsf ls:tf e'QmfgLdf cfwfl/t u}/ Joj;flos shf{ tyf
JolQmut clwljsif{ shf{ k|jfx ubf{{ b]xfoadf]lhd x'g] u/L C0f e'QmfgL cfDbfgL
cg'kftsf] clwstd ;Ldf %) k|ltzt sfod ug'{kg]{ 5 .
-s_ C0fLsf] cfo >f]t v'Ng] k|dfl0ft sfuhft ;+nUg x'g'kg]{ 5 .
-v_ C0fLn] a'Fbf g+=-s_ adf]lhd k]z u/]sf] cfDbfgL dWo] s/ ltg'{ kg]{ cfosf]
xsdf s/ r'Qmf÷bflvnf u/]sf] /÷jf cBfjlws s/r'Qmf k|df0fkqsf] cfwf/df
k'g/tflnsLs/0f /÷jf k'g/;+/rgf u/]sf] cj:yfdf !=@) k|ltzt
dfq shf{ gf]S;fgL Joj:yf sfod ug{ ;lsg] 5 . o;/L
k'g/tflnsLs/0f /÷jf k'g/;+/rgf ul/Psf shf{nfO{ c;n shf{sf]
?kdf juL{s/0f ug{ ;lsg] 5 .
-c_ kl/of]hgf lgliqmo geO{ ;~rfng d} /x]sf] jf ;~rfng z'?
x'g] qmddf /x]sf] x'g'kg]{, /
-cf_ z'?df shf{ k|jfx ubf{ lgwf{/0f ul/Psf] u|]; -Moratorium_
cjlw eGbf kl5sf] cjlwdf kfs]sf] Aofh k'h F Ls[t u/L cfDbfgL
afWg gkfOg] .
-O_ a}+s tyf ljQLo ;+:yfaf6 kl/of]hgfsf] pTkfbg Ifdtf
(Production Capacity) lj:tf/ ePsf] ;'lglZrt ug'kg]{ .
-r_ a}+s tyf ljQLo ;+:yfn] s'v'/fkfng Joj;fosf nflu k|jfx
u/]sf] shf{ a8{ˆn' /f]usf sf/0f ;fljssf] e'QmfgL tflnsf jf zt{
adf]lhd r'Qmf ug{ g;Sg] eO{ shf{ k'g/;+/rgf jf
k'g/tflnsLs/0f ug'{ k/]df Ps k6snfO{ C0fLsf] C0f ltg]{ lnlvt
of]hgf, lwtf] ;'/If0fsf] kof{Kttf / eljiodf C0f ltg{ ;Sg]
Ifdtfsf cfwf/df k'g;+/rgf jf k'g/tflnsLs/0f u/]sf] cj:yfdf
!=@) k|ltzt dfq shf{ gf]S;fgL Joj:yf sfod ug{ ;Sg] u/L
k'g/tflnsLs/0f÷k'g/;+/rgf ug{ ;lsg] 5 . o;/L
k'g/tflnsLs/0f÷k'g/;+/rgf ul/Psf shf{x?nfO{ c;n shf{sf]
?kdf juL{s/0f ug{ ;lsg] 5 .
45. C0f e'QmfgL cfDbfgL cg'kft (Debt Service to Gross
Income Ratio) sfod ug]{ ;DaGwdf M
a}+s tyf ljQLo ;+:yfn] JolQmut k|s[ltsf cfjlws shf{ tyf
xfo/ kr]{h shf{ nufotsf ls:tf e'QmfgLdf cfwfl/t u}/
Jofj;flos shf{ tyf JolQmut clwljsif{ shf{df C0f e'QmfgL
cfDbfgL cg'kftsf] clwstd ;Ldf %) k|ltzt / 3/ hUuf
vl/b÷lgdf{0f k||of]hgdf k|jflxt shf{df C0f e'QmfgL cfDbfgL
cg'kft -DTI_ clwstd ;Ldf &) k|ltzt x'g] u/L b]xfoadf]lhd
ug'{kg]{5 .
 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
C0fLsf] jflif{s s'n cfo -Gross Income_ u0fgf ug'{ kg]{5 . ;fy}, shf{
cjlwe/ cfDbfgL;Fu ;DalGwt s/ bflvnf÷r'Qmf k|df0fkq jflif{s ?kdf lnO{
C0fLsf] C0f e'QmfgL cfDbfgL cg'kft (Debt Service to Gross Income
Ratio) cBfjlws ug'{kg]{5 .
u_ Ohfhtkqk|fKt ;+:yfn] clwstd ;LdfeGbf a9L x'g] u/L shf{ k|jfx u/]df ;f]
shf{nfO{ ;"Id lgu/fgL (Watch List) cGtu{t juL{s/0f ug{' kg]{5 .
t/, :jk|of]hgsf nflu lgdf{0f÷vl/b ul/g] klxnf] 3/ shf{ / ?= %) nfv ;Ddsf]
cfjf; shf{sf] nflu s/of]Uo cfosf] xsdf s/ bflvnf sfuhftsf] cfwf/df shf{
k|bfg÷gjLs/0f ug{ ;lsg]5 / To:tf]] shf{sf] xsdf C0f e'QmfgL cfDbfgL cg'kft
-DTI_ clwstd ^) k|ltzt sfod ug{ ;lsg]5 .
-s_ C0fLsf] cfo >f]t v'Ng] k|dfl0ft sfuhft ;+nUg ug'{kg]{5 .
-v_ C0fLn] a'Fbf g+=-s_ adf]lhd k]z u/]sf] cfDbfgL dWo] s/ ltg'{
kg]{ cfosf] xsdf s/ r'Qmf÷bflvnf u/]sf] /÷jf cBfjlws
s/r'Qmf k|df0fkqsf] cfwf/df C0fLsf] jflif{s s'n cfo -Gross
Income_ u0fgf ug'{ kg]{5 . ;fy}, shf{ cjlwe/ cfDbfgL;Fu
;DalGwt s/ bflvnf÷r'Qmf k|df0fkq jflif{s ?kdf lnO{ C0fLsf]
C0f e'QmfgL cfDbfgL cg'kft (Debt Service to Gross
Income Ratio) cBfjlws ug'{kg]{5 .
u_ Ohfhtkqk|fKt ;+:yfn] clwstd ;LdfeGbf a9L x'g] u/L shf{
k|jfx u/]df ;f] shf{nfO{ ;"Id lgu/fgL (Watch List) cGtu{t
juL{s/0f ug{'kg]{5 .

7. O=k|f=lgb]{zg g+= -%_ v/Lb u/]sf] Ps jif{ JotLt ePsf nufgL dWo]af6 Ps cfly{s jif{df k|fylds -%_ v/Lb u/]sf] Ps jif{ JotLt ePsf nufgL dWo]af6 Ps cfly{s
*÷)*) sf] a'Fbf g+ # k"FhLsf] ! k|ltzt /sd;Ddsf] nufgL dfq laqmL ug{ ;Sg]5g\ . jif{df k|fylds k"FhLsf] @) k|ltzt /sd;Ddsf] nufgL dfq laqmL
sf] pka'Fbf -%_ df ug{ ;Sg]5g\ .
t/, o;cl3 -ldlt @)&*.)@.!) ;Dd_ nufgL u/]sf z]o/ @)&( c;f/
;+zf]wg . d;fGtleq laqmL ug{ o; Joj:yfn] afwf k'u]sf] dflgg] 5}g .

8. O=k|f=lgb]{zg g+= -u_ FATF sf] “High-Risk Jurisdictions subject to a

!$÷)*) sf] a'Fbf g+ % xfn g/x]sf] Call for Action”, “Jurisdictions under Increased
sf] pka'Fbf sf] -u_ yk . Monitoring” df ;"rLs[t d'n's / UN Sanction List df
;dfj]z ePsf d'n'sdf æsÆ ju{sf a}+sx?nfO{ zfvf,
;Dks{÷k|ltlglw sfof{no :yfkgf ug{ :jLs[tL k|bfg ul/g] 5}g .

9. cg';"rL !=! sf] Capital

Adequacy Framework l. Personal Hirepurchase/Personal Auto Loans (upto Rs. 2.5 Million) shall l. Personal Hirepurchase/Personal Auto Loans shall attract
2015 sf] 3.3 sf] j1(l) attract risk weight of 100%. risk weight of 100%.
;+zf]wg .
10. cg';"rL !=! sf] Capital x6fOPsf] .
Adequacy Framework m. Personal Hirepurchase/Personal Auto Loans (above Rs. 2.5 Million)
2015 sf] 3.3 sf] j1(m) shall attract risk weight of 125%.
x6fOPsf] .
 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
11. cg';"rL !=! sf] x6fOPsf] .
Capital Adequacy Specific
Risk
Book Provision & Eligible Net Risk
Framework 2015 A. Balance Sheet Value CRM Value Weight
Weighted
Valuation
sf] FORM No.2: Exposures
Exposures Adjustment
RISK WEIGHTED
EXPOSURE FOR
CREDIT RISK df Personal
plNnlvt a'Fbf x6fOPsf] Hirepurchase/Pers
onal Auto Loans 0 0 0 0 125% 0
. (above Rs. 2.5
Million)

12. cg';"rL !=! sf] Credit Depo

sits
Depo
sits
G
ol
Go
vt.
G'tee
of
Sec/
G'tee
G'te
e of
G'tee
of
Sec/
G'tee
T
ot
Capital Adequacy exposure
with with d & Govt. of do MDB of al
s Bank other NR of Other mes s Foreig
Framework 2015 bank B Nepa Sove tic n
sf] FORM NO.3 s/FI Sec l reign ban Banks
uriti s ks
ELIGIBLE CREDIT es
RISK MITIGANTS
Personal
plNnlvt a'Fbf x6fOPsf]] . Hirepurc
x6fOPsf] .
hase/Per
sonal
Auto
Loans
(above
Rs. 2.5
Million)
13. cg';"rL !=@ sf]
Capital Adequacy k. Personal Hirepurchase/Personal Auto Loans (upto Rs. 2.5 Million) shall k. Personal Hirepurchase/Personal Auto Loans shall attract
Framework 2007 attract risk weight of 100%. risk weight of 100%.
sf] 3.3 sf] j1(k)
;+zf]wg .
14. cg';"rL !=@ sf] x6fOPsf] .
Capital Adequacy l. Personal Hirepurchase/Personal Auto Loans (above Rs. 2.5 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÷kl/dfh{g÷yk
Framework 2007
sf] 3.3 sf] j1(l)
x6fOPsf] .
15. cg';"rL !=@ sf]
Capital Adequacy Specific
Risk
Book Provision & Eligible Net Risk Weighted
Framework 2007 A. Balance
Value CRM Value
Weigh
Exposures
Valuation
Sheet t
sf] FORM No.2: Exposures
Adjustment
RISK WEIGHTED
EXPOSURE FOR x6fOPsf] .
CREDIT RISK df Personal
plNnlvt a'Fbf x6fOPsf]] . Hirepurchas
e/Personal 125
0 0 0 0 0
Auto Loans %
(above Rs.
2.5 Million)

16. cg';"rL !=@ sf] Credit Depo

sits
Depo
sits
G
ol
Go
vt.
G'te
e of
Sec/
G'tee
G'tee
of
G'te
e of
Sec
/
Tot
al
Capital Adequacy exposures
with with d & Go of dome MD G'te
Bank other NR vt. Other stic Bs e of
Framework 2007 bank B of Sovere bank For
sf] FORM NO.3 s/FI Sec
uriti
Nep
al
igns s eig
n
ELIGIBLE es Ban
ks
CREDIT RISK
MITIGANTS df Personal x6fOPsf] .
Hirepurch
plNnlvt a'Fbf x6fOPsf] .
ase/Perso
nal Auto
Loans
(above
Rs. 2.5
Million)