Nepal Bank Limited

What Nepal Bank Limited does

Nepal Bank Limited is a Nepalese commercial bank headquartered in Kathmandu that operates as the country's first bank, delivering a full-stack retail, corporate, and treasury banking platform across deposit, lending, card, remittance, trade finance, and securities (DEMAT/Mero Share) products. Its distribution model combines a domestic branch network with digital channels, including the NBL BankSmart XP internet banking platform, a mobile banking app on iOS and Android, QR code payments, and online account opening portals for savings, fixed deposit, and DEMAT accounts, with native integration into national infrastructure such as Connect IPS, NEPSE, and SWIFT (NEBLNPKA).

The bank serves five primary customer segments — retail consumers, business and corporate customers, agricultural and micro-enterprise borrowers, Non-Resident Nepali (NRN) diaspora clients, and securities/investor customers — with specialized products such as NRN Saving/Fixed Deposit accounts, NBL Remittance IPO Saving Accounts, Sahayatri Bachat Khata (NPR 500 minimum balance), and Women Special Saving accounts. Revenue is generated primarily through net interest spread on loans (business, retail, agriculture, micro-enterprise, gold-backed), supplemented by fee and commission income from remittance, DEMAT, trade finance, and account services, plus foreign exchange revenue. The bank operates under Nepal Rastra Bank supervision and is supported by a publicly disclosed investor relations program including debenture issuances, AGM notices, and quarterly financial reporting.

Recent strategic activity is concentrated in customer-benefit MOUs with healthcare and hospitality partners (including a cross-border partnership with Indraprastha Apollo Hospitals in India), an active debenture issuance to support capital structure, and a multi-year technology transformation program. The bank does not disclose revenue, AI/ML capabilities, or M&A activity in the source data, and uses a regulated, multi-segment horizontal segmentation approach rather than a concentrated enterprise model.

Name

Nepal Bank Limited

Legal name

Nepal Bank Limited

Website

https://nbl.com.np

Company type

Public

Operating status

Operating

Headcount range

251–500 employees

Short description

Nepal Bank Limited is the first commercial bank of Nepal, headquartered in Kathmandu, offering retail, corporate, agricultural, NRN, and securities banking through a nationwide branch network and digital channels including mobile and internet banking.

Ownership category

akta.pro rank

Product category

Commercial Banking

NAICS

Commercial Banking (52211), Depository Credit Intermediation (5221), Commercial Banking (522110)

SIC

National Commercial Banks (6021), State Commercial Banks (6022)

akta.pro primary industry

SME Deposits & Business Accounts (Operating, Savings, CDs) (FSABABAC)

akta.pro secondary industries

Mass-Market Consumer Deposit Banking (Checking/Savings) (FSABAAAA), SME Business Lending (Term Loans, Lines of Credit, Overdrafts) (FSABABAB), Branch & In-Person Banking (Teller/ATM Networks) (FSABAAAE)

Keywords

• Retail banking services
• Commercial lending
• Digital banking
• Remittance services
• Trade finance

Headquarters

HQ city

Kathmandu

HQ country

Nepal

HQ region

Asia

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Infrastructure, Technology or R&D, Marketing or Sales

Revenue model

1. Interest Income: The primary revenue stream for the bank, generated from lending activities including business loans, retail loans, agricultural loans, and other credit facilities. Interest is charged on various loan products at floating rates.
2. Deposit Interest Expense Recovery: Revenue generated from the spread between interest earned on loans and interest paid on deposits. The bank offers various deposit products including savings, current, and fixed accounts.
3. Fee and Commission Income: Service charges, transaction fees, and commissions from services such as remittance, trade finance, DEMAT accounts, and account maintenance.
4. Foreign Exchange Revenue: Income from foreign currency exchange services and transactions, including special premium offerings for NRN customers.

Pricing tiers

Go-to-market motion1 record

Distribution channels7 records

Marketing channels6 records

Core offering

Nepal Bank Limited is the first commercial bank of Nepal offering a full suite of banking services including deposit accounts (savings, current, fixed and recurring), loan products for retail and corporate customers, debit/credit/prepaid cards, digital banking (mobile and internet), domestic and international remittance, trade finance, DEMAT and Mero Share services, and safe deposit lockers for individuals, businesses, and non-resident Nepalis.

Product overview

Nepal Bank Limited operates as a comprehensive commercial bank offering a unified banking platform with multiple product lines. The core offering comprises deposit products (savings, current, fixed, and recurring accounts including specialized variants like NRN Saving/Fixed Deposit Account, NBL Pioneer Saving, NBL Special Saving, Sahayatri Bachat Khata, Subha Gyan, and Women Special Saving) and loan products (Business, Retail, Agriculture, Micro Enterprise, Gold/Silver loans, and government-sponsored schemes like Sarwasulabh, Samridhha, and Saral Krishi Karja). The bank provides card services including Credit Card, ATM/Debit Card (VISA), Travel Card, and Prepaid/Dollar Card. Digital services include NBL BankSmart XP internet banking, NBL Digital Banking mobile app, QR Code Payment, NBL Remit for remittances, DEMAT account for securities, and Safe Deposit Lockers. All services integrate with national payment infrastructure including Connect IPS, Mero Share, NEPSE, and SWIFT networks.

Differentiator

Problem solved

Functional benefit

Brands

• NBL Smart Mobile Banking: Mobile banking application for NBL customers
• NBL BankSmart XP
• NBL Remit
• Nagarik App

Products and services

• Saving Accounts Interest-bearing deposit accounts designed for individual and institutional customers to securely hold funds and earn interest, with features such as minimum balance requirements and ATM-linked access.
• Current Accounts
• Fixed Deposits
• Recurring Deposits
• NBL Smart Account (Online Account Opening)
• Business Loan
• Retail Loan
• Agriculture Loan
• Micro Enterprise Loan
• Gold and Silver Loan
• Hire Purchase Loan
• Overdraft Facility
• Trade Finance and Foreign Exchange
• Remittance Services
• DEMAT and Mero Share Services
• Safe Deposit Locker
• Cards (ATM, Credit, Travel and Prepaid)
• Mobile Banking App
• Internet Banking
• QR Payments

Quantifiable outcome

• NBL Remittance IPO Saving Account offers 4.00% interest rate, highest among savings products
• +1 more outcomes

Segments5 records

Ideal customer profiles5 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration5 records

Feature6 records

Partnerships

Twelve partnerships are on record, tiered minor and core.

• Indraprastha Apollo Hospitals, New Delhi, IndiaminorGTM or Marketing Partner · 12 June 2026MOU between Nepal Bank Limited and Indraprastha Apollo Hospitals, New Delhi, India for offering discounts to NBL customers on healthcare services.
• Siddhartha Business Group of HospitalityminorGTM or Marketing Partner · 11 June 2026MOU between NBL and Siddhartha Business Group of Hospitality for offering hospitality-related benefits to NBL customers.
• Medharma Clinix Pvt. LtdminorGTM or Marketing Partner · 1 June 2026MOU between Nepal Bank Ltd and Medharma Clinix Pvt. Ltd for healthcare discounts for NBL customers.
• Crystal Diagnostic Pvt LtdminorGTM or Marketing PartnerPress release about agreement with Crystal Diagnostic Pvt Ltd for discounts to NBL customers on diagnostic services.
• Kathmandu Dental HospitalminorGTM or Marketing PartnerPress release about Agreement with Kathmandu Dental Hospital for discounts to NBL customers on dental services.
• Sunaina Hospital Pvt LimitedminorGTM or Marketing PartnerPress release about agreement with Sunaina Hospital Pvt Limited for discounts to NBL customers on hospital services.
• Siddhi Polyclinic Path Lab Pvt LtdminorGTM or Marketing PartnerPress release about agreement with Siddhi Polyclinic Path Lab Pvt Ltd for discounts to NBL customers on pathology lab services.
• Nepal International Health ServicesminorGTM or Marketing PartnerPress release about Agreement with Nepal International Health Services for heavy discounts to NBL customers.
• Om Samaj Dental Hospital Pvt. LtdminorGTM or Marketing PartnerPress release MOU between Nepal Bank Ltd and Om Samaj Dental Hospital Pvt. Ltd for dental service discounts.
• Connect IPScoreTechnology or IntegrationIntegration with Connect IPS platform for interbank payment and settlement services, enabling NBL customers to make payments across banks.
• Mero Share / CDSCcoreTechnology or IntegrationIntegration with Mero Share platform operated by CDSC (Central Depository and Settlement Company) for securities trading and DEMAT account services.
• Nepal Rastra Bank (NRB)coreOthersNepal Rastra Bank is the central bank and regulatory authority overseeing Nepal Bank Limited and the broader Nepalese banking sector.

Scale indicators2 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Himalayan Bank Limited: Established commercial bank in Nepal with a comparable retail and corporate banking franchise, including remittance partnerships. Closely matches NBL on product scope and serves overlapping customer segments across the country.
• Everest Bank Limited: Nepalese commercial bank with retail deposits, corporate and SME lending, remittance, and digital channels. Comparable to NBL on customer base and product breadth, with a foreign-promoter linkage informing its governance.
• Nepal Investment Mega Bank Limited (NIMB): Commercial bank formed through merger in Nepal offering full-service banking across deposits, lending, trade finance, and digital channels. Comparable to NBL on product line and customer base, and is a relevant consolidation benchmark for legacy Nepali banks.
• Rastriya Banijya Bank (RBB): Nepal's other major state-owned commercial bank and the closest structural twin to NBL in terms of branch network, public-sector heritage, regulatory relationship with Nepal Rastra Bank, and broad retail-to-corporate product set.
• Nabil Bank Limited: One of Nepal's largest private commercial banks offering full-service retail, corporate, treasury, remittance, and digital banking. Most directly comparable to NBL in scope of services and customer segments, with the key difference being ownership profile (private vs. legacy public).
• NMB Bank Nepal: Mid-to-large Nepalese commercial bank providing retail deposits, SME lending, trade finance, and digital banking. Direct peer in scope and geography, with a comparable mix of urban and rural customer segments.
• Citizens Bank International Limited: Nepalese commercial bank offering retail and corporate banking, trade finance, and digital services to a similar customer base as NBL, particularly SMEs and retail deposit customers across Nepal.
• Kumari Bank Limited: Full-service commercial bank in Nepal offering retail deposits, business lending, trade finance, and digital banking. Comparable to NBL on customer segments and product mix, and a relevant benchmark for mid-tier Nepalese commercial banks.
• NIC Asia Bank Limited: Large private commercial bank in Nepal providing retail deposits, SME and corporate lending, trade finance, cards, and digital banking. Highly comparable to NBL on product breadth and target customer mix, with a stronger recent focus on digital channels.

Broad incumbents

• Standard Chartered Bank Nepal: Global bank operating a Nepal branch with a broader portfolio across trade, FX, and corporate banking. Comparable to NBL on corporate/trade finance and FX/revenue lines, but with a narrower retail footprint in Nepal than domestic incumbents.

Market position

Strengths1 record

Weaknesses1 record

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/nepal-bank-limited

Revenue estimate

Valuation estimate

Number of profiles

Profiles3 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Nepal Bank Limited