Nabil Bank Limited Nepal Institutional Profile Growth and Digital Innovation

25th December 2025, Kathmandu

Nabil Bank Limited stands as the first private sector joint venture bank in Nepal, having commenced its operations on July 12, 1984. For over four decades, it has been a cornerstone of the Nepalese financial landscape, evolving from its origins as Nepal Arab Bank Limited to its current status as a market leader in commercial banking.

Nabil Bank Institutional Growth

As of late 2025, Nabil Bank continues to redefine the banking experience through its Nabil 2025 strategic roadmap, which emphasizes a complete digital transformation and the integration of sustainable banking practices.

INSTITUTIONAL FOUNDATION AND OWNERSHIP

The bank was established to introduce international standard banking services to Nepal. It is headquartered at the Nabil Center in Durbar Marg, Kathmandu. The ownership structure is balanced, with the promoter group holding 60 percent of shares and the general public owning 40 percent. Nabil Bank is traded on the Nepal Stock Exchange under the symbol NABIL, and it has a long-standing history of maintaining strong shareholder value. In the fiscal year 2081/82, the bank proposed a 10 percent cash dividend, continuing its trend of stable returns even during shifts in the broader economy.

STRATEGIC VISION AND THE CRISP VALUES

Nabil Bank operates with a clear vision to be the bank of 1st choice for all stakeholders. This mission is supported by its core values, known by the acronym CRISP, which stands for Customer Focused, Result Oriented, Innovative, Synergistic, and Professional. These values are not just slogans but are integrated into the bank’s operational fabric, ensuring that every transaction and customer interaction meets a high standard of excellence.

FINANCIAL SNAPSHOT 2025 PERFORMANCE

As of the first quarter of the fiscal year 2082/83, ending in mid-September 2025, Nabil Bank has reported a resilient financial position. Despite a challenging interest rate environment and a slight 14.57 percent dip in net profit compared to the previous year, the bank remains highly profitable.

Key financial metrics for Q1 2082/83 include: Total deposits reached 556.61 billion Nepalese Rupees, marking a 6.10 percent increase. Loans and advances grew to 421.02 billion Nepalese Rupees. Net profit for the quarter stood at 1.76 billion Nepalese Rupees. Annualized earnings per share or EPS was reported at 25.97. Net worth per share reached 240.72 Nepalese Rupees.

One of the most significant achievements in late 2025 has been the improvement in asset quality. The non-performing loan or NPL ratio decreased significantly to 0.97 percent from 1.42 percent in the previous year. This indicates the bank’s success in credit risk management and recovery efforts during a period of economic transition.

NETWORK AND GLOBAL CONNECTIVITY

Nabil Bank boasts one of the most extensive networks in Nepal, with 268 branch offices and 21 extension counters serving 62 districts. It operates 322 ATMs and has more than 20,000 remittance agents nationwide. The bank’s reach extends far beyond Nepal’s borders through relationships with over 200 international correspondent banks in 14 countries. This global connectivity makes Nabil a preferred partner for trade finance and cross-border remittance services.

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DIGITAL TRANSFORMATION AND THE NBANK REVOLUTION

A central pillar of the Nabil 2025 strategy is the nBank initiative. Launched as Nepal’s first neo-banking service, nBank operates as a virtual branch within the bank’s mobile application. It allows customers to open accounts, apply for loans, and manage fixed deposits without ever visiting a physical branch.

Innovations introduced through the digital platform include: nRemit: A specialized service for overseas Nepalese to send money directly to Nabil accounts. Cardless Withdrawals: Allowing users to withdraw funds from ATMs using mobile cash. Virtual iCards: For secure online international USD payments. Open APIs: Nabil has developed over 300 open APIs to integrate its services with fintech platforms and corporate ERP systems.

These digital advancements led to Nabil Bank being recognized as Nepal’s Best Transaction Bank 2025 by Euromoney, highlighting its efficiency in handling corporate payments and trade services.

SOCIAL RESPONSIBILITY AND THE NABIL SSE

Nabil Bank views its role as a catalyst for social change. The Nabil School of Social Entrepreneurship or Nabil SSE is the bank’s flagship CSR initiative. It aims to bridge the gap between social problems and sustainable business solutions.

The program offers two distinct paths: The Fellowship Program in Social Entrepreneurship is a six-month intensive course in collaboration with Tribhuvan University. It provides mentoring for one year and targets early-stage entrepreneurs in sectors like agriculture, education, and healthcare. The Certificate Course on Social Entrepreneurship is a shorter 14-day course delivered across all seven provinces in Nepal. It focuses on building an entrepreneurial mindset and developing bankable business plans for local communities.

Sustainable banking is another key focus. Nabil Bank has committed to reducing its carbon footprint and promoting green financing in renewable energy and eco-friendly agriculture. This beyond-banking philosophy ensures that the bank’s success contributes to the nation’s long-term well-being.

CHALLENGES AND FUTURE OUTLOOK

While Nabil Bank leads the market, it faces ongoing challenges such as pressure on net interest margins and increasing impairment costs. The rising cost of digital infrastructure and intense competition from other commercial banks require constant innovation. However, the bank’s strong capital adequacy ratio of 12.67 percent and its focus on low-cost deposits, which stand at over 53 percent of its total base, provide a solid foundation for future growth.

CONCLUSION

Nabil Bank Limited continues to be the pioneer of modern banking in Nepal. From introducing the first credit card in the country to launching the first neo-banking service, it has always been ahead of the curve. With its robust 2025 strategy, improved asset quality, and deep commitment to social entrepreneurship, Nabil Bank is well-positioned to remain the bank of 1st choice for years to come. Its journey reflects the resilience and potential of Nepal’s financial sector on the global stage.

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