𝗗𝗶𝘀𝗰𝘂𝘀𝘀𝗶𝗼𝗻 𝗣𝗿𝗼𝗴𝗿𝗮𝗺 𝗼𝗻 𝗟𝗼𝗮𝗻 𝗟𝗼𝘀𝘀 𝗣𝗿𝗼𝘃𝗶𝘀𝗶𝗼𝗻𝗶𝗻𝗴 𝗡𝗼𝗿𝗺𝘀 𝗶𝗻 𝗦𝗔𝗔𝗥𝗖 𝗥𝗲𝗴𝗶𝗼𝗻

Kathmandu, Feb 7. Nepal Bankers’ Association (NBA) successfully organized a discussion program on “Loan Loss Provisioning Norms in the SAARC Region” bringing together banking officials and key stakeholders to exchange insights on regulatory frameworks and industry practices. The event was graced by the presence of Mr. Guru Prasad Paudel, Executive Director, Banks and Financial Institutions Regulation Department, and Mr. Ramu Paudel, Executive Director of the Bank Supervision Department of Nepal Rastra Bank (NRB). The program aimed to facilitate in-depth discussions on various aspects of loan loss provisioning norms, with a particular focus on differences in regulatory approaches across the SAARC region and their implications for the banking sector.

The event commenced with a comprehensive presentation by Mr. Ram Kumar Tiwari, Managing Director & Chief Executive Officer of Nepal SBI Bank Ltd. He provided valuable insights through a comparative analysis of loan loss provisioning norms. He also highlighted that the regulatory policies in India and Bangladesh are generally more relaxed compared to Nepal. Mr. Tiwari further delved into the key aspects including Substandard and Doubtful Assets, Provision for Restructuring and Rescheduling, Provision for Upgradation of Non-Performing Assets, and Interest Income Recognition, among others.

During the program, Mr. Guru Prasad Paudel, Executive Director, Banks and Financial Institutions Regulation Department, NRB, emphasized that the growing NPLs in Nepal should not be perceived solely as a banking issue but rather as a reflection of broader economic challenges. He also pointed out that the NPLs are rising in key economic sectors such as manufacturing, construction, agriculture, and MSMEs and shared insights into the upcoming adoption of Expected Credit Loss (ECL) provisioning practices.

Similarly, Mr. Ramu Paudel, Executive Director, Bank Supervision Department, NRB stated that NRB continuously monitors and analyzes NPL trends and provisioning norms in other countries to align Nepal’s regulatory framework with international standards. He stressed the importance of collaboration among regulators, banking institutions, and stakeholders in strengthening Nepal’s financial stability. He also acknowledged NBA’s efforts in organizing the discussion and fostering constructive engagement within the industry.

In his closing remarks, NBA President, Mr. Santosh Koirala expressed his sincere gratitude to all. He acknowledged the importance of such dialogues in fostering a deeper understanding of regulatory frameworks and their impact on the banking sector. Mr. Koirala emphasized that, given the current economic challenges, there is an urgent need for a more adaptive and pragmatic approach to regulatory policies. The program was attended by over 35 high-level representatives from the banking sector.

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