Banking Notes

In which condition the License of B&FIS or in which activities doing B&FIS license is suspended or terminated? 

In which condition the License of B&FIS or in which activities doing B&FIS license is suspended or terminated?  (कुन अवस्थामा B&FIS को इजाजतपत्र वा कुन गतिविधिहरूमा B&FIS इजाजतपत्र निलम्बन वा समाप्त हुन्छ? ) Under the following conditions the license of B&FIS are terminated or Suspended: •In the case of not conducting the any financial activities […]

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Banking Concept & Banking Development in Nepal – नेपालमा बैंकिङ विकास

What is Bank? The bank is an authorized financial Institution which accepts deposits from the general public and advances loan in the profitable fields. The two major functions of the bank are accepting deposits from the public and providing loans. Generally, a bank works as a bridge between surplus unit i.e. depositors and deficit unit

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Customer Oriented Banking Service – के हो ग्राहक मुखी बैंकिङ सेवा (RBB)

Customer Oriented Baking Service – ग्राहक मुखी बैंकिङ सेवा Who is Customer? Customer is an individual or business that purchases the goods and services produced by a business. Customers are the key factor for any business to achieve their goals and objectives. A satisfied customer is a key to success for every organization. Therefore every

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Client Protection Principles – के हो ग्राहक संरक्षण सिद्धान्त

Client Protection Principles The client protection principles articulate the standard of care that clients should expect to receive when doing business with financial service providers. Responsible financial services providers encompass the core client protection principles to help financial service providers practice good ethics and smart business. The following principles should be followed for the effective

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Know Your Customer (KCY)? | के हो ग्राहक पहिचान ?

Know Your Customer is a form issued by the Nepal Rastra Bank for bank and financial institutions to maintain an individual’s record of their clients. This is the unified directives of Nepal Rastra Bank. Objective/Importance/Benefits of KYC To gather information about customer details. To gather information related to customer business. To control the money laundering.

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Types of Deposit and Deposit Mobilization | निक्षेपका प्रकारहरु

What is a deposit? Deposit is amount taken from the customer/amount deposited by the customer. Accepting deposit is the primary function of the bank. Different accounts (saving, current, fixed, margin call account) are used to collect the amount. The deposit can be interest-bearing and non-interest bearing. Deposit is the primary source of lending. Deposit is

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Deposit Mobilization (Procedures) | निक्षेप परिचालन कसरि गर्ने

What is deposit mobilization? Deposit mobilization is an integral part of any bank. It is the primary function of any commercial banks. Bank cannot achieve its goal and objective without mobilizing the deposit in the right sector in different activities. Banks will have to show an ascending order if profit in order to ensure growth

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Lending and Lending Principles | कर्जा र कर्जा लगानीका सिद्धान्तहरु

What is the loan? Loan is the amount of money provided to individual or institution for a predefined time period by the bank and financial institutions by charging a fixed amount of interest. A loan can be either individual or institutional. Loan taker is called loanee or borrower. Advancing loan is the primary function of

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Loan Classification and Loan Loss Provision | कर्जा नोक्सानी व्यवस्था

Loan Classification The bank loan can be classified into two types according to the overdue of the credit period. बैंकहरुले प्रवाह गरेको कर्जा/सापटको साँवा वा ब्याज भुक्तानी हुनुपर्ने भाखा नागेको अवधिका आधारमा सम्पूर्ण कर्जा सापटलाई देहाय बमोजिम वर्गीकरण गरिन्छ। They are – Performing Loan (सक्रिय कर्जा) Non-performing loan (निष्कृय कर्जा)  Performing Loan (सक्रिय कर्जा)  Pass Loan (असल

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