NBL was established as a joint venture between the government and private shareholders. It started with authorized capital of NPR 10 million and paid-up capital of NPR 842,000 shared among 10 shareholders. Currently NBL has 114 branches across Nepal offering services like ABB, SMS banking, safe deposit vaults, and e-banking. NBL also offers various saving accounts and remittance services both within Nepal and internationally to facilitate funds transfer for Nepalese expatriates. Analysis of NBL deposit trends shows deposits are increasing over time, with most from saving accounts. The bank utilizes deposits effectively and recommendations include investing more in different sectors to increase deposits and loan offerings.