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Banking Exam Question - What are the NRB Directives (2074) Regarding Inter-bank Transaction & Trust Receipt Loan? Explain







Introduction - Regarding Inter-bank Transaction & Trust Receipt Loan
Interbank transaction / loan / investment:
The beneficiaries provided from one bank in this bank to the one, will not be able to use it as a regular loan statement, but also used as Interbank Business / Affiliate. Interbank Sapti will only be up to 7 days.

The interbank showcase is an essential portion of the outside trade advertise. It is a discount showcase through which most money exchanges are directed. It is for the most part utilized for exchanging among financiers. The three principle constituents of the interbank advertise are: the spot showcase.

Interbank Rate in Nepal diminished to 2.67 percent in December from 3.59 percent in November of 2016. Interbank Rate in Nepal found the middle value of 3.84 percent from 1995 until 2016, achieving a record-breaking high of 12.83 percent in January of 2010 and a record low of 0.15 percent in August of 2014.

Regarding in relation to the flow of credit within approved geographical scope:
The licensed institutions will have to pay the debt and project / business within their geographical area, while flow of real estate assurance in addition to non-bank loans. Such debt that is outside of the geographical scope will have to maintain a percentage of debt loss unless it is incomplete.

Regarding Trust Receipt Loan:
bills discounts or similar loan, the maximum amount of 120 days will be charged only for the maximum period of 120 days. However, for the period of 2074, such period has been maintained for 150 days.

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