Introduction: What is Citizens Bank International Limited?

Citizens Bank International Limited (CBIL) is a top-tier commercial bank in Nepal, known for its dynamic approach to modern banking. Licensed by Nepal Rastra Bank as an ‘A’ class commercial bank, CBIL has rapidly expanded since its establishment in 2007, offering innovative financial services that combine digital convenience with nationwide accessibility.

With a solid capital base, state-of-the-art technology, and customer-focused services, CBIL has positioned itself as one of the most progressive and trusted banks in Nepal.

Why CBIL Stands Out in Nepal’s Banking Industry

CBIL is more than a traditional bank. It is a strategic financial partner for individuals, SMEs, corporates, and NRNs (Non-Resident Nepalis).

Here’s what sets CBIL apart:

• Advanced digital banking infrastructure

• Expansive national presence in urban and semi-rural areas

• Flexible personal and business loan products

• Trusted remittance and foreign exchange services

• Strong performance in customer satisfaction and service speed

CBIL caters to the financial needs of over a million customers across Nepal, offering tailored solutions with a focus on efficiency, reliability, and security.

A Snapshot of Citizens Bank International Limited

• Founded: June 20, 2007

• Headquarters: Narayanhiti Path, Kathmandu, Nepal

• Listed on NEPSE: Stock symbol CTZN

• SWIFT Code: CTZNNPKA

• License: Class ‘A’ commercial bank by Nepal Rastra Bank

Services and Products That Drive Search Interest

Retail Banking Services

Citizens Bank offers diverse deposit and credit products for individuals:

• Savings accounts: General, premium, salary-based, youth, and senior citizens

• Fixed deposits with competitive interest rates

• Personal loans: Home, vehicle, education, and mortgage loans

• Term insurance-linked banking packages

SME and Corporate Banking

CBIL empowers Nepali entrepreneurs and large businesses through:

• Working capital and trade finance

• Industrial project loans

• Export-import banking

• Construction and real estate financing

• Agricultural and cooperative lending

Digital Banking Solutions

CBIL is known for its technology-driven services, including:

• CBIL Smart Mobile Banking App with QR payment, fund transfer, bill payment, and mini-statement features

• CBIL Connect (internet banking) for real-time access to accounts

• Online account opening and loan applications

• UPI, Fonepay, and ConnectIPS integrations

• Cardless ATM withdrawals via mobile app

This digital innovation ensures CBIL ranks among the best online banking providers in Nepal.

Branch Network and National Reach

• Branches: Over 160 branches across Nepal

• ATMs: More than 140 ATMs nationwide

• Branchless Banking Units: Serving unbanked regions in all 7 provinces

• Dedicated Corporate Branches in Kathmandu, Pokhara, Birgunj, and Butwal

This wide network ensures CBIL provides accessible banking solutions for both metro and rural customers.

Online Search Value: What People Search About CBIL

Based on trending search queries, here’s what people want to know:

“How to open an account in CBIL?”
Answer: Visit any branch or fill out the online account opening form on www.ctznbank.com

“What is the interest rate on CBIL savings?”
Answer: Rates vary by account type; latest interest slabs are regularly updated on the official site.

“Does CBIL offer mobile banking?”
Answer: Yes. The CBIL Smart app is available on Android and iOS with secure, real-time access to your accounts.

“What loan services does Citizens Bank offer?”
Answer: CBIL provides personal, SME, housing, education, and agriculture loans with competitive rates and fast processing.

Digital Growth and Fintech Integration

CBIL continues to lead Nepal’s banking digitalization movement by:

• Launching API-based systems for business integration

• Upgrading to cloud-based core banking systems (CBS)

• Implementing multi-layer cybersecurity protocols

• Offering digital KYC onboarding, e-statement, and paperless services

This future-oriented approach is crucial to attracting tech-savvy users and meeting global banking standards.

Corporate Governance and Financial Strength

CBIL maintains strong financial performance through:

• Regular dividend distributions (bonus shares + cash)

• Compliance with Basel III risk management norms

• Transparent governance led by experienced professionals and Board of Directors

• Strategic focus on profitability with social responsibility

The bank is known for shareholder-friendly policies, making it a favorite among retail investors on NEPSE.

Corporate Social Responsibility (CSR)

CBIL is active in:

• Financial literacy programs in schools and villages

• Support for healthcare, education, and disaster response

• Environmental sustainability campaigns

• Promoting entrepreneurship and women’s empowerment through microcredit

This makes CBIL not just a bank, but a responsible partner in Nepal’s development journey.

Contact Information

Head Office:
Citizens Bank International Limited
Narayanhiti Path, Kathmandu, Nepal
Phone: +977-1-4442919
Email: info@ctznbank.com
Website: https://www.ctznbank.com
Swift Code: CTZNNPKA

Conclusion: Why Choose Citizens Bank International Limited?

Citizens Bank International Limited is one of the best commercial banks in Nepal for a reason. With its modern services, vast network, robust digital tools, and strong customer-first philosophy, CBIL is the ideal choice for anyone seeking secure, efficient, and personalized financial solutions.

Whether you are a student, business owner, salaried employee, or investor, CBIL is the bank that grows with you—and for you.

Optimized for:

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