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Nepal Rastra Bank

Financial Stability. Nepal Rastra Bank. Financial Stability Framework. Institutional Financial Stability Oversight Committee Financial Stability Sub-committee Financial Stability Unit FIU Regulation, Supervision and Payment System Dept . Policy Financial sector Development Strategy

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Nepal Rastra Bank

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  1. Financial Stability Nepal Rastra Bank

  2. Financial Stability Framework • Institutional • Financial Stability Oversight Committee • Financial Stability Sub-committee • Financial Stability Unit • FIU • Regulation, Supervision and Payment System Dept. • Policy • Financial sector Development Strategy • Nepal Rastra Bank Act, 2002 • Bank and Financial Institution Act , 2006 • Unified Directive- Corporate Governance, Basel III, Sectoral Limits, Single Obligor, Financial Inclusion etc • Financial Stability Report – Biannually

  3. An Overview and Performance of the Financial System

  4. Major FSIs

  5. Implementation of Macro-Prudential Policies and Tools Primary • Basel III – Counter Cyclical Buffer, Leverage Ratio, Capital Conservation Buffer • DSIFI – identification process • Loan to Value – 50% • SOL – 25 to 50 % • Sectoral limit – 40 % ,Real Estate 25% • Others • DepostiGurantee • CDS • IPS, NCHL • Merger and Acquisition by Law • Bank resolution

  6. Systemic Risk Monitoring and Supervision Policy • Risk based supervision Guideline • AML/CFT supervision Manual • System Audit Guideline Supervision • Risk Based supervision of Commercial Banks • AML/CFT risk Based Supervision

  7. Recovery and Resolution Planning • Power conferred by NRB Act ,2002 Problem Bank Resolution by law, 2015 • Improving Management • Changing the management • Prohibition in trasaction • Selling assets • Consolidation • Good assets/Bad assets classification • Bridge Bank

  8. Challenges and Way Forward Challenges • New subject/Lack of experience • Weak institutional framework/ca. Poor coordination • Implementation of international standards – Basel III, AML/CFT, IFRS • Presence of unregulated sector/parallel banking activities Way Forward • Identified as a critical subject • High level coordination mechanism • Some of the tools being used- Basel III, Risk based supervision

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