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NMB Bank Limited

Website NMB
Location Nepal
Key figures Impact story


NMB Bank’s mission is to be the best in growth, profit, customer care and socially responsible banking by way of:

  • Leveraging and integrating the existing strengths of the institution;
  • Reaching out to and serving a wide range of customers within and outside the country;
  • Developing a culture of ‘Giving Extra Care to Customers’;
  • Being innovative in designing and delivering services;
  • Adopting prudent investment practices to build a sound asset base;
  • Developing internal and external efficiencies through prudent use of technology;
  • Building operational efficiency through smarter processes and controls;
  • Providing exciting and challenging career prospects for employees;
  • Placing a high priority on stakeholders’ interests and statutory compliance;
  • Acting responsibly for making contributions to society.


Over the last two decades, NMB Bank has been successful in creating several milestones in the banking industry. Incorporated as Nepal Merchant Banking & Finance Limited in 1995, the bank had established itself as one of the most successful finance companies in the country.  Testament to its performance, Nepal Merchant Banking & Finance Limited was upgraded to a Commercial Bank in 2008 as NMB Bank Limited. It was the first time in the history of Nepali Financial Market that a ‘C’ class finance company had been upgraded to an ‘A’ class commercial bank. This was the first step in the bank’s vision to establish itself as one of the leading financial institutions in the country.

The bank has been forward looking in terms of adapting to the changes in the financial sector both locally and internationally. Over the years NMB has aligned its business structure for the financial inclusion of the deprived sectors through alliances with international agencies. The bank has opened a representative office in Malaysia to promote bilateral trade between the two countries. NMB Bank also has plans to open representative offices in other countries to promote trade and banking transactions.

The bank made history by merging with four financial institutions in 2015. The merger with Clean Energy Development Bank, Bhrikutee Development Bank, Pathibara Bikas Bank and Prudential Finance attracted media attention because it was the first time that five financial institutions joined to become a single entity, commencing fully-fledged operations the very next day.  The bank’s footprint will more than double to reach a wider distribution of the unbanked population; creating increased financial inclusion. The alliance with FMO is in line with the bank’s strategy to strengthen its portfolio in the energy sector, which holds immense potential for the growth of Nepal’s economy.

NMB Bank is on track to achieving the NRB specified capital base of NPR. 8 Billion within the stipulated time. The bank has already submitted its detailed plan of achieving this target to Nepal Rastra Bank. With a plan in place, and strong capital base, NMB Bank aims to establish itself as one of the top five commercial banks in the Nepalese financial market within a short period of time.


NMB Bank merged with four financial intuitions in 2015 (Clean Energy Development Bank, Bhrikutee Development Bank, Pathibara Bikas Bank and Prudential Finance). The merger strategically incorporates regional representation of the two biggest regional development banks, which strengthens NMB Bank’s retail base as well as increasing its footprint at a Pan- Nepal level. This unprecedented strategic move gives NMB Bank balanced distribution of the network across the country.

Management Board

The Board of Directors includes:

  • Pawan Kumar Golyan
  • Rajendra Kafle (Representative of Employee Provident Fund)
  • Manoj Kumar Goyal
  • Nico Pijl (Representative of FMO, The Netherlands)
  • Romani Prasad Pathak
  • Harischandra Subedi
  • Kamlesh Kumar Agrawal
  • Hari Babu Neupane
  • Jeevan Man Joshi

Market Focus, Products and Services

NMB Bank has been focused on providing tailor-made solutions to meet customers’ requirements, from individual savings to business financing.

The bank’s diverse portfolio of customers, ranging from corporate houses, mid-market firms to small and medium enterprises and micro finance customers, are provided with a range of financing options from working capital by way of overdraft/short term loans, to trade finance products structured to meet customers’ needs and their risk profile, either as part of a consortium or as a sole-banker.

It has been a perogative of NMB Bank to provide financing that creates change in the lives of people in the deprived sector. The bank’s micro finance unit has entered into agreements with several Micro Finance Institutions (MFIs), national and international non – profit organsations, for ‘access to finance programs’ in rural and semi-urban regions of the country. Remittance services assist in managing the influx of funds generated by foreign employment, which is a major contributor to the economy.

Retail financing deposit and loan products have been designed to address the requirement of the bank’s retail customers who are a prime focus for NMB Bank. Besides Home and Auto Loan, products like Professional Loan, Medical Emergency Loan, DEMAT, Consumer Durable Loan, dollar/debit/credit cards and mobile and internet banking (including insurance facilities of both life and non- life), have enabled customers to benefit from the bank’s services.

The country’s immense potential in hydro power holds the key to economic growth and the bank has been consistently providing financing to large and small scale hydro projects and has launched NMB Bank Solar Karja; financing for the installation of solar power equipment in residences and offices.  NMB Bank is among a limited number of banks enlisted by Alternative Energy Promotion Center (AEPC) to support the financial needs of individuals and organisations under its Urban Solar Program.

With ‘customer delight’ at the core of its values, the bank will continue to direct its efforts and resources to constantly develop products and services that meet these needs.


Key figures for NMB Bank Limited

* Figures in USD million
** Based on local currency
Total Assets856695396300265
Funds Under ManagementNANANA0NA
Total Assets and Funds Under Management856695396300265
Total Assets and FUM Growth (One Year)**16.36%80.50%36.83%20.24%35.85%
Loans (net)603494261203174
Loans to Total Assets70.4%71.1%66.0%67.7%65.6%
Loan Growth (One Year)**15.34%94.30%33.33%24.11%36.62%
Client Funding722604352269234
Client Funding to Total Assets84.3%86.8%88.8%89.7%88.3%
Client Funding Growth (One Year)**13.03%76.41%35.57%22.09%38.81%
Equity to Total Assets12.3%9.3%8.0%9.3%9.6%
Tier 1 Capital Ratio12.5%9.3%8.8%9.9%10.4%
Total Revenue34.724.913.29.99.6
Net Income14.310.
Return on Assets1.97%1.49%1.21%1.36%1.43%
Return on Equity17.11%27.78%25.05%20.50%18.02%
Cost to Income Ratio37.5%36.0%37.0%38.0%34.0%
Clients (sum of lending and deposit)478,011371,267164,706141,339111,855

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