Introduction

The main challenge before a developing nation is to foster Sustainable growth. For growth or its recovery, the nation’s productive capacity has to be strengthened and expanded. In the development agenda, an important issue relates to the problem of the  provision and delivery of the financial service and credit. Banking is the fulcrum of an Economy. The Banking Industry is one of the basic instruments of economic growth. It must be on a sound footing as it constitutes an important link in various sociology-economic activities. Since it is considered the backbone of economic development, any change in its processes is deemed to have repercussions on the country’s growth. The essential part of the banking system is its financial viability. It is not only necessary for its survival but also to discharge its various obligations.

There are so many banks on Nepal. They are all different some such commercial banks, agriculture banks, development banks,central banks, finance institutions and many more.