Nabil Bank's Chief Executive Officer (CEO) Manoj Gyawali is a well-known figure in the banking sector. Gyawali, who was currently appointed as CEO, joined Nabil Bank five years ago as Deputy General Manager. He has more than 25 years of banking experience. He also has experience working in large organizations including the regulatory body Nepal Rastra Bank and Global IME Bank. He also has experience in high-level leadership as the CEO of Jyoti Bikash Bank. Stating that he has seen internal shortcomings and understood the problems one by one while working in various positions at Nabil for five years, Gyawali expressed confidence in the interview that he can provide the right leadership to the bank. He is committed to not only keeping the bank at the forefront, but also making it a guiding and exemplary institution in the banking sector.

Nabil Bank is a pioneer bank in every way. The first joint venture bank, computerized software for accounting, and credit cards are leading in various types of products. Nabil Bank is an organization run on a systematic system and good governance. Since it is an organization based on a system and good governance, there are not many fluctuations in performance. Nabil Bank pays the highest revenue to the government. Nabil Bank provides the highest salary facilities to employees. Nabil is the dream bank for seekers. Nabil Bank also provides dividends to investors every year and at a high rate.

Being a corporate-centric bank in the past, it is also a good bank in terms of service quality. Since compliance is given priority, it is a bank run on good governance in the eyes of regulators. That is why Nabil is becoming a pioneer. Other banks are following this bank. It is more difficult to stay there than to reach the peak of Mount Everest. Nabil Bank is the first choice in any way, including brand, position. We will work to make it even stronger in the coming days.

Recently, Nabil Bank has also expanded loans to small and medium entrepreneurs. It has expanded loans to agriculture. When I joined Nabil five years ago, it has expanded from 65 branch offices to 268 today. Even though 35 branches are in loss, we are serving remote rural areas. We have become a proud bank of the nation by providing banking services to all classes and communities of society.

As the bank's network has increased, costs have also increased. The portfolio that has been acquired through mergers and acquisitions was not as per Nabil Bank's standards. We had to struggle to bring that portfolio as per Nabil Bank's standards. When the government did not pay, contractors were blacklisted. Due to which bad loans increased.

In the past, some banks raced hard in the race for numbers, raced to make the balance sheet bigger, raced to show more profits. They went ahead based on who made the most profit on a quarterly basis. Recently, based on the monthly statement of the National Bank, banks have been identified as the highest earning banks or the lowest earning banks. This has led to unhealthy competition. Recently, everyone has become aware. Now we bankers also have to correct ourselves.