Nabil Bank to integrate AI in its operations

Kathmandu, July 12

Nabil Bank Limited has completed 42 years of operation and announced plans to expand its focus on digital transformation and artificial intelligence (AI) as part of its long-term strategy.

Speaking on the bank's anniversary, Chairman Nirvana Kumar Chaudhary said trust had remained the foundation of the institution since its establishment in 1984 and would continue to guide its future direction.

"Nepal's economy, industries and customer expectations had changed significantly over the past four decades and that the bank had sought to adapt to these changes through innovation and new financial services," he said.

Chaudhary said the bank had introduced a number of firsts in Nepal's banking sector, including digital banking services through nBank and the establishment of an investment banking platform. The bank now offers services spanning commercial banking, investment banking, stock brokerage, merchant banking, capital markets and digital banking.

According to Chaudhary, the bank is entering what he described as the 'era of artificial intelligence', with plans to integrate AI into its banking operations. The bank is planning to use AI to improve decision-making, lending processes, risk management, customer services and financial inclusion.

CEO of the bank Manoj Kumar Gyawali said the bank's growth had been supported by the trust of more than 2.6 million customers and the efforts of its workforce of 2,469 employees.

Nabil Bank currently operates through a network of 264 branches and 315 automated teller machines across the country.

The bank said it had extended credit to several sectors considered important for economic growth. Lending to the agriculture sector stands at Rs. 53.31 billion, followed by Rs. 51.06 billion to the energy sector, Rs. 45.92 billion to micro, small and medium enterprises, and Rs. 11.10 billion to the tourism sector.

Financial data released by the bank showed that its net worth had increased from Rs 28 million in the fiscal year 1984/85 to Rs 70.83 billion by the third quarter of the current fiscal year 2025/26. Net profit rose from Rs 1 million to Rs 6.76 billion over the same period.

The bank's total deposits have reached Rs. 588.85 billion, while total lending stands at Rs. 464.10 billion. Total assets amount to Rs. 718.42 billion.

To mark its 42nd anniversary, the bank has announced a 42-day programme featuring promotional offers and community initiatives, including concessional home loans for residents affected by road expansion projects in Hetauda and Birgunj, discounts on selected banking services and fee waivers on certain card products. 

Published in The Rising Nepal daily on 13 July 2026.