Civil Bank Limited (CBL) is a fast-growing ‘A’ class commercial bank in Nepal, providing comprehensive banking services to individuals, SMEs, and corporate clients. Established in 2010 A.D. (2067 B.S.), Civil Bank has developed a reputation for reliable retail banking, business-friendly financial solutions, and technological innovation.

With a nationwide branch network and customer-first approach, Civil Bank aims to deliver inclusive, secure, and efficient banking to Nepalese citizens and businesses alike.

Overview of Civil Bank Limited

• Full Name: Civil Bank Limited (CBL)

• Established: March 26, 2010 (Chaitra 12, 2066 B.S.)

• Head Office: Civil Trade Center, Sundhara, Kathmandu, Nepal

• Ownership: Public Limited Company (Listed on NEPSE)

• SWIFT Code: CIVLNPKA

• Website: https://www.civilbank.com.np

• Regulator: Nepal Rastra Bank (NRB)

Key Features and Identity

• Operates as an ‘A’ class commercial bank licensed by Nepal Rastra Bank

• Offers retail, SME, and corporate banking services

• Focused on financial inclusion and digital transformation

• Emphasizes service accessibility through urban and rural outreach

Products and Services Offered by Civil Bank

1. Retail Banking

• Savings Accounts (Regular, Women, Youth, Premium, Senior Citizens)

• Fixed Deposit Accounts with competitive interest rates

• Recurring Deposits and Minor Accounts

• Home, Education, Auto, and Personal Loans

• Debit and Prepaid Cards

• Locker services and bill payment facilities

2. SME and Corporate Banking

• Business Loans and Overdraft Facilities

• Term Loans for Industry and Agriculture

• Working Capital and Project Finance

• Trade Finance: LCs, Bank Guarantees, Export/Import Finance

• SME-specific packages and advisory support

3. Digital and e-Banking Services

• Civil Bank Smart App for mobile banking

• Internet Banking for individuals and corporates

• QR code payments via Fonepay

• Online fund transfers (RTGS, ConnectIPS)

• Utility bill payments and online loan applications

4. Remittance and International Banking

• SWIFT-based international money transfers

• Remittance partnerships with global networks

• Foreign currency accounts and exchange services

• NRN (Non-Resident Nepali) accounts

Branch Network and Accessibility

Civil Bank has steadily expanded its physical and digital footprint across Nepal:

• More than 135 branches in all provinces

• Over 100 ATMs and mobile banking support

• Presence in urban centers, municipalities, and rural areas

• Branchless banking units for financially underserved communities

This network supports customer convenience, financial inclusion, and nationwide service coverage.

Financial Performance Snapshot (FY 2080/81 B.S.)

Civil Bank continues to build a solid financial foundation while maintaining responsible lending practices and profitability.

• Total Assets: Over NPR 150 billion

• Deposit Base: Exceeds NPR 120 billion

• Loan Portfolio: Over NPR 110 billion

• Net Profit: Around NPR 1.5 billion

• Capital Adequacy Ratio (CAR): In line with NRB requirements

• Non-Performing Loans (NPL): Managed within healthy limits

The bank is listed on the Nepal Stock Exchange (NEPSE) and is widely held by institutional and retail investors.

Technology and Innovation

Civil Bank is evolving into a digitally empowered bank, focusing on automation, speed, and accessibility.

Digital Initiatives Include:

• e-KYC and online account opening

• Biometric and OTP-based login for secure transactions

• Integration with ConnectIPS, eSewa, Khalti, and other digital wallets

• Contactless payments, mobile-based loan inquiries, and real-time alerts

The bank is working toward a fully paperless, digital-first operating model over the next few years.

Corporate Social Responsibility (CSR)

Civil Bank actively engages in CSR activities to support national development and community welfare:

• Scholarships and educational assistance

• Public health campaigns and medical camps

• Tree plantation and eco-awareness programs

• Support during national emergencies and natural disasters

• Promotion of financial literacy and women’s entrepreneurship

Challenges and Strategic Direction

Challenges:

• Competitive pressure from large and digital-first banks

• Need for modernization of legacy systems

• Balancing rapid expansion with service quality

Strategic Goals:

• Invest in IT infrastructure and cybersecurity

• Expand into microfinance and cooperative integration

• Strengthen digital payment platforms and self-service tools

• Promote sustainable banking and green financing initiatives

• Maintain high customer satisfaction through innovation and outreach

Conclusion

Civil Bank Limited is a modern, agile, and steadily growing financial institution in Nepal’s banking landscape. With a strong commitment to digitalization, financial accessibility, and customer service, Civil Bank is positioned to become a top-tier bank serving the diverse financial needs of the country.

Whether you are an individual, a small entrepreneur, or a corporate client, Civil Bank provides dependable, affordable, and technology-driven banking solutions that support growth and financial stability.