Himalayan Bank Limited (HBL)

About Himalayan Bank Limited

Overview

Himalayan Bank Limited (HBL) is one of Nepal's leading commercial banks, recognized for its innovation, customer-centric approach, and strong financial performance. Established in 1993 as a joint venture with Habib Bank Limited (HBL), Pakistan, the bank has played a pioneering role in the modernization of Nepal's banking sector by introducing innovative banking products, advanced technologies, and customer-focused financial solutions.

Since its inception, Himalayan Bank Limited has maintained a strong presence in Nepal's banking industry through its focus on core banking services, including deposits, lending, remittance, retail banking, corporate banking, and digital financial services. The bank has consistently emphasized operational excellence, prudent banking practices, and long-term customer relationships.

A Legacy of Innovation

Himalayan Bank Limited has been at the forefront of banking innovation in Nepal, introducing several products and services that later became industry standards. The bank was among the first in Nepal to introduce innovative offerings such as:

• Premium Savings Account

• Proprietary Banking Card

• Millionaire Deposit Scheme

• ATM Services

• Tele-banking Services

Over the years, HBL has continued to expand its portfolio with customer-focused financial solutions, including:

• Small and Medium Enterprise (SME) Loans

• Prepaid Visa Cards

• International Travel Quota Credit Cards

• Consumer Finance through Credit Cards

• Online payment facilities for international examinations such as TOEFL, SAT, IELTS, and other standardized tests

These innovations reflect the bank's commitment to continuously enhancing customer convenience while contributing to the evolution of Nepal's banking industry.

Technology-Driven Banking

Himalayan Bank Limited has made significant investments in modern banking technology to deliver secure, efficient, and seamless financial services. All branches operate on the Globus Core Banking System developed by Temenos, enabling customers to access banking services from any branch through the Any Branch Banking facility.

The bank also offers a comprehensive range of digital banking services, including:

• Internet Banking

• SMS Banking

• ATM Services

• Secure electronic payment solutions

To strengthen operational resilience and business continuity, HBL maintains a dedicated Disaster Recovery Management System, ensuring the reliability and security of its banking operations.

Leadership in Remittance Services

Recognizing the growing financial needs of Nepalese working abroad, Himalayan Bank Limited developed HimalRemit™, its proprietary online remittance platform designed to facilitate secure and efficient inward remittance services. Through technical partnerships with exchange houses and banking institutions, along with dedicated personnel in the Middle East and Gulf region, the bank has established a strong remittance network that supports Nepalese communities living overseas and their families at home.

Customer-Centric Banking

Himalayan Bank Limited believes that lasting success is built on understanding and serving the evolving needs of its customers. The bank follows a customer-first philosophy by continuously introducing innovative products, improving service delivery, adopting modern banking technologies, and maintaining high standards of professionalism and corporate governance.

With decades of banking experience, a strong culture of innovation, and a commitment to delivering reliable financial solutions, Himalayan Bank Limited continues to support individuals, businesses, entrepreneurs, and institutions while contributing to Nepal's economic growth and financial development.