22nd August 2025, Kathmandu
Citizens Bank International Limited recently concluded a leadership seminar titled “Empowering Leadership in Bagmati: Seminar for Performance and Excellence” in Bagmati Province.
Citizens Bank Bagmati leadership seminar
The event was a crucial step in the bank’s ongoing strategy to enhance organizational leadership and performance across its extensive network. The seminar brought together a diverse group of participants, including the Province Head, Cluster Heads, Branch Managers, and other key staff, alongside top-tier executives from the central office, including Chief Executive Officer Ganesh Raj Pokharel and the Deputy CEO. The primary objectives were to review the strong performance of the previous fiscal year and to set clear strategic priorities for the current fiscal year 2025/26.
Strategic Objectives and Financial Milestones
A core focus of the seminar was to foster stronger collaboration between the central management and the provincial branches. This initiative is part of a broader, nationwide effort by the bank; similar seminars have already been conducted in Madhesh Province and are planned for other provinces throughout Nepal. The discussions were centered on creating a unified approach to leadership, ensuring that all branches are aligned with the bank’s central vision and goals. Key topics included enhancing inter-provincial cooperation, implementing performance-based strategies, and ensuring service excellence across all branches.
During the seminar, the bank presented a detailed overview of its impressive financial performance for the fiscal year 2024/25, up to mid-July, 2025. The figures presented demonstrate a robust and stable growth trajectory, with double-digit increases across several key indicators.
- Loan Portfolio: The bank’s loan portfolio grew by 11.15%, reaching a substantial NPR 175.16 billion. This significant growth highlights the bank’s success in expanding its lending activities and meeting the financial needs of its clients.
- Deposit Collection: Deposit collection saw a remarkable increase of 11.69%, totaling NPR 214.08 billion. This demonstrates the deep trust that a growing customer base has in Citizens Bank.
- Net Interest Income: The bank’s net interest income also experienced a solid growth of 11.20%, standing at NPR 6.36 billion. This indicates strong profitability from its core banking operations.
- Financial Ratios: The bank maintained healthy financial ratios, with a Credit-to-Deposit (CD) Ratio of 81.91%, a Return on Assets (ROA) of 0.55%, and a Return on Equity (ROE) of 5.81%. These figures underscore the bank’s operational efficiency and ability to generate returns for its shareholders, even amidst broader economic challenges.
Innovation and Nationwide Presence
Citizens Bank’s commitment to innovation and customer-centricity has been widely recognized. The bank was honored with the prestigious “Bank of the Year 2024” award, a testament to its leadership and excellence in the Nepali banking sector. This recognition is complemented by its pioneering role in digital banking. In a landmark partnership with Fonepay, Citizens Bank introduced Nepal’s first virtual credit card, the “Citizens Fonepay Credit Card.” This innovative product allows customers to access credit card facilities instantly through their mobile banking app without needing a physical card, empowering them with greater financial flexibility.
The bank has also integrated a variety of convenient services into its mobile banking platform, including the ability for customers to easily apply for shares and access Richl number services. These technological advancements are central to the bank’s mission of providing modern, efficient, and user-friendly banking solutions to its customers.
With an extensive nationwide network, Citizens Bank has cemented its position as a leading financial institution in Nepal. As of mid-2025, its operational network includes:
- 200 branches across 61 districts.
- 169 ATMs.
- 3 extended counters.
- 74 branchless banking units.
Through this vast presence, the bank serves over 1.929 million customers, providing a wide range of financial services, from traditional banking to cutting-edge digital solutions.
Future Outlook and Commitment to Excellence
The “Empowering Leadership in Bagmati” seminar is a clear indicator of Citizens Bank’s commitment to continuous improvement. The bank’s future outlook is focused on several key priorities: strengthening internal capabilities through leadership development, enhancing the customer experience, and expanding its digital footprint. The bank aims to drive sustainable growth in its loans and deposits, introduce more innovative financial products, and extend its reach to underserved areas through its branchless banking units. By prioritizing leadership empowerment and a performance-driven culture, Citizens Bank is actively positioning itself as a key driver of modernization in Nepal’s banking sector, promising to deliver greater value to its millions of customers and stakeholders across the nation.
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