Ashmita Dahal

  Overview of bank failures Silicon Valley Bank (SVB), USA's 16 th largest bank was closed on March 10 after it experienced a bank run i.e., depositors rushing to the bank to withdraw their funds all at once. It is considered the second-largest bank failure since 2008. SVB was specializing in lending to technology startups, and it has invested a large amount in long-term debt like treasury bonds. When SVB tried to raise cash to fulfill the need of venture-capital firms by selling such assets it created market fear and uninsured depositors took notice of it and started rushing to take deposits out of the system. Second, New York-based Signature Bank also shut down on March 12, 2023, after its customers started withdrawing billions of dollars in the wake of the collapse of SVB. The bank had considerable amounts of uninsured deposits and was exposed to the crypto sector. It is considered the third-largest bank failure since the 2008 financial crisis. Following the two largest b...

  1.       Capital Adequacy : Capital Adequacy Ratio (CAR) for commercial banks is 11 %, CAR for development banks is and finance companies is 10 %. 2.       Assets Quality :  Non Performing loan (NPL) in 2021/22 was about 1.31%. Composition of NPL shows some signs of deterioration in asset quality with an increase in restructured/rescheduled loans within the banking sector. Large share of NPL which is about 51.40% in the banking sector falls into the loss category. 3.       Leverage Ratio:   Basel Committee on Banking Supervision introduced leverage ratio that is complementary to the risk-based capital framework and aims to restrict the build-up of excessive leverage in the banking sector. It assesses the adequacy of Tier 1 capital to On balance sheet and off balance sheet exposures. NRB has specified 4% of leverage ratio. It is well above the mandatory requirement in the period 2021/22. 4...

Daily sound of human shouting and vehicle racing Horrific level of pollution in air raging Unbearable level of Carbon monoxide in the air Nature was in pain that it could not bear But human was no afraid and did not care Only focused on economy as they compare So, Nature planned to give human a lesson And it brought COVID-19 in action   Now animals are not disturbed in their place Mountains are not polluted in their face Birds are so happy to fly Stars are so visible in the sky The air is healthy to inhale Less human lives have derailed No noise to disturb the peace Less polluted air breeze Nature has never been so thriving It feels as if nature is finally reviving.   Nature cannot be cruel to take away only lives Less life has been taken than survived Nature has given man a lesson Showed humanity a right direction Focusing only on economic progression Can lead to the Clinical depression So let’s live and let the nature be a...

Which is more severe: Corona or Pollution? New researches in Harvard University shows that high death due to Coronavirus is  linked with the highly polluted areas.  T.H. Chan School of Public Health found that higher levels of the tiny, dangerous particles in air known as PM 2.5 were associated with higher death rates from the disease (Covid-19)  with the help of  an analysis of researchers  at the Harvard University, “Patients with chronic lung and heart conditions caused or worsened by long-term exposure to air pollution are less able to fight off lung infections and more likely to die. This is likely also the case for Covid-19,” said Sara De Matteis, at Cagliari University, Italy, and a member of the environmental health committee of the European Respiratory Society. “By lowering air pollution levels we can help the most vulnerable in their fight against this and any possible future pandemics.” Till today Coronavirus has taken the life of more...