Commitment to Lead in ‘Banking and Beyond’

June 11 (28 Asar), Kathmandu – Nabil Bank has marked 42 years since its founding and entered its 43rd year of operation.

Since its inception, the bank has introduced modern technology into the Nepali banking sector and, on the occasion of its anniversary, has expressed commitment to provide financial services that go beyond traditional banking boundaries.

At this historic moment, the bank has strongly advanced its concept of ‘Banking and Beyond’ with the objective of creating an inclusive and prosperous future for its customers, community, and the overall national economy.

‘Trust is Our Asset, Innovation is in Our DNA’: Chairman Nirvana Kumar Chaudhary

In his speech at the anniversary, Chairman Nirvana Kumar Chaudhary outlined the bank’s past, present, and future roadmap. “As Nabil Bank completes 42 years of journey, I wish to express gratitude to all our customers, shareholders, regulatory bodies, partners, and dedicated employees,” he said. “This trust is our greatest asset and the strong foundation for our future.”

He discussed the significant changes in Nepal’s economic and industrial landscape over the past four decades, emphasizing that the bank has never waited for change but has always led it.

“We have laid the foundation of modern banking. By establishing ourselves as Nepal’s first digital bank through the Nbank app, we transformed the customer banking experience entirely,” Chairman Chaudhary stated. “As the first private commercial bank of Nepal, we opened new doors for industries and investors. Today, Nabil Bank is the only financial group in Nepal providing a complete financial ecosystem under one roof, including commercial banking, investment banking, stock brokerage, merchant banking, capital market services, and digital banking.”

He affirmed that innovation is not just adopted by the bank but is embedded in its DNA. Chaudhary announced the bank’s entry into the most transformative era in banking history—the ‘Artificial Intelligence’ (AI) era. He explained that AI is not just a basic technology; it is redefining decision-making, risk management, business operations, and the customer financial experience.

“Nabil Bank is not just participating in this change but is prepared to lead it,” he said. “AI will be the core of Nbank’s future growth, making banking services smarter and more personalized.” He added that this will result in faster loan disbursement, excellent risk management, intelligent customer experiences, extensive financial inclusion, and robust security systems.

Despite advancing technologies, the core purpose will always connect to human emotions and values, Chaudhary added. “Banking is not just financial transactions; it is about realizing dreams, supporting entrepreneurs, building family futures, and contributing to Nepal’s prosperity,” he emphasized.

Rapid Financial Growth and Strategic Execution

CEO Manoj Kumar Gyawali described Nabil Bank not only as a banking service provider but also as a trusted partner on the journey of dreams, potential, and success. “This defines our ‘Banking and Beyond’ philosophy,” he said.

Recognizing changing customer banking expectations and the need for sustainable development, the bank is determined to become ‘Nepal’s most trusted, reliable, and future-ready bank.’

The bank has increased investments in strategic and productive sectors crucial to the country’s economic development, currently with loan allocations as follows:

Agriculture: NPR 5.331 billion

Energy: NPR 5.106 billion

Micro, Small, and Medium Enterprises: NPR 4.592 billion

Tourism: NPR 1.110 billion

Unprecedented Progress in Key Financial Indicators

Over its 42-year history, Nabil Bank has established an unprecedented presence in the financial market. In the fiscal year 1984/85 (2041/42 BS), the bank’s total net worth was NPR 28 million and net profit NPR 1 million. By the third quarter of fiscal year 2025/26 (2082/83 BS), net worth rose to NPR 7.083 billion and net profit to NPR 676 million.

Deposits, initially NPR 146 million, have grown to NPR 588.885 billion, and loans have increased from NPR 133 million to NPR 464.10 billion. Total assets expanded from NPR 269 million to NPR 7.1842 billion.

Starting with 2 branches and 144 employees, the bank’s service network has extended nationwide to 264 branches, 315 ATMs, 18 extension counters, and 2,469 skilled employees, serving over 2.6 million customers.

Customer-Centric Special Plans and Offers on Anniversary

To celebrate the 42nd anniversary, Nabil Bank launched a 42-day special promotional event along with social responsibility initiatives.

Home Reconstruction Loan Scheme: Targeted at individuals affected by road expansion in Hetauda and Birgunj areas, the bank offers concessional loans with only a 0.5% premium added to the base interest rate.

Locker and Gateway Discounts: Special plans are available for customers interested in locker security deposits, credit cards, debit cards, and electronic payment gateway (EPG) services. Customers using the locker security deposit service will receive a 42% discount, while those opting for EPG services will get a 50% discount on the NPR 15,000 integration fee.

Credit and Debit Card Offers: Customers applying for credit cards will receive discounts on application fees and one-year membership fees. These offers are valid for 42 days during the anniversary period. For debit cards, customers applying on the anniversary day will be able to use their debit cards free of charge for four years.

Nabil Bank operates with a network of 264 branches nationwide and 315 ATMs, serving over 2.6 million customers. The bank remains confident in progressing with all stakeholders and continues delivering quality banking services for over four decades. Recently, embracing the concept of sustainable banking, the bank has launched Nbank for digital banking services.