In banking and finance, risk weightage is a percentage assigned to assets or loans based on how risky they are. This percentage determines how much capital a bank needs to keep aside as a safety cushion in case of losses. Higher-risk assets get higher risk weightages, meaning more capital needs to be reserved for them. Lower-risk assets get lower risk weightages, requiring less capital. This calculation is vital for assessing a bank’s financial strength, known as the capital adequacy ratio.
Nepal’s trade dynamics in the initial nine months of fiscal year 2080/81 reveal alarming patterns, raising concerns about the nation’s economic outlook. The trade deficit, representing the variance between imports and exports, has expanded by approximately 2.75 percent during this period, indicating a growing disparity between import costs and export values, posing significant challenges to Nepal’s economic stability. Imports Imports in the first nine months of the fiscal year witnessed a noticeable decline of around 2.84 percent, totaling approximately Rs. 11.67 Kharba. In comparison, the corresponding period in the previous year saw imports amounting to goods worth Rs. 12.01 Kharba. […]
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In the most recent financial update, twenty commercial banks have announced revisions to their interest rates for the month of Baisakh. Interestingly, a majority of these banks, totaling 13, have opted to decrease their interest rates. However, notable exceptions to this trend include NMB Bank (NMB) and Everest Bank (EBL), which have instead chosen to […]
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As Nepal eagerly awaits the arrival of New Year 2081, Garima Bikas Bank Limited (GBBL) delights its customers with a special cashback scheme, promising enticing rewards for debit and credit card users. With the aim of promoting cashless transactions and enhancing customer satisfaction, GBBL introduces a generous cashback offer of 20.81%, allowing users to earn […]
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