Banking Exam Question - What are the NRB Directives (2074) about Additional Provision regarding Pass Loan? Explain

 

Introduction - Additional arrangements for good debt

A. The following debt loans can be included in good debt

1. Loans and Settlements in the risk of issue of issue, 
2. Credit and security of the Nepal government's security certificate and the Nepal National Bank borrowing, but if additional funds are being protected from receipt of issue or the security certificate of Nepal government or Nepal National Bank borrowing. No, no. Classification should be made according to the instructions mentioned in 1.

B. Renewal capital debt with a maximum of one year will be included in good debt due to renewal. Only the repayment of the loan will be guaranteed after the analysis of the latest basis of loan flow, such as the ability to repay the debtor's debt, future cash flow, income source, and source of income. In case of interest to be acquired in the current capital rupees loan, such loans will have to be categorized on the basis of interest agreement period.