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Agricultural Development Bank Limited
Name: Agricultural Development Bank Limited

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Ramshahapath Kathmandu, Nepal
Introduction of Agricultural Development Bank Limited With the main objective of providing institutional credit for enhancing the production and productivity of the agricultural sector in the country, the Agricultural Development Bank, Nepal was established in 1968 under the ADBN Act 1967, as successor to the cooperative Bank. The Land Reform Savings Corporation was merged with ADBN in 1973. Subsequent amendments to the Act empowered the bank to extend credit to small farmers under group liability and expand the scope of financing to promote cottage industries. The amendments also permitted the bank to engage in commercial banking activities for the mobilization of domestic resources. Agricultural Development Bank Limited (ADBL) is an autonomous organization largely owned by Government of Nepal. The bank has been working as a premier rural credit institution since the last three decades, contributing a more than 67 percent of institutional credit supply in the country. Hence, rural finance is the principal operational area of ADBL. Furthermore, the bank has also been involved in commercial banking operations since 1984. The enactment of Bank and Financial Institution Act (BAFIA) abolished all Acts related to financial institutions including the ADBN Act, 1967. In line with the BAFIA, ADBL has been incorporated as a public limited company on July 14, 2005. Thus, ADBL operates as a "A" category financial Institution under the legal framework of BAFIA and the Company Act, 2053.

Vision  of Agricultural Development Bank Limited

  • To be a Mass-based Complete Bank serving from Urban to Rural.


  • To deliver comprehensive banking solution strengthening its extensive network.


  • To provide quality banking services
  • Adopt market driven strategy
  • Obtain sustained and competitive return on investment.

Corporate Conduct

In achieving its corporate objective in pursuit of its corporate mission and vision, ADBL will:

  • comply with all relevant legislation, codes of conduct and standards of good corporate citizenship in Nepal while maintaining full autonomy in the management of its operations;
  • conduct its operations in an open and transparent manner;
  • put local resources to work for local development, serving the rural community and its aspirations;
  • provide a full and balanced rage of financial products and services that satisfies the needs of the rural population of Nepal, on a profitable and sustainable basis;
  • strive consistently to provide improved products and services to its clients at reasonable cost, using modern banking, information and communication technology in the most appropriate form to its clients needs;
  • be vigorous in building reputation for professionalism, competitive pricing, reliability and quality of service and innovation;
  • operate in accordance with best banking practice, acting with financial prudence and keeping in mind the need to balance profitability with asset preservation and liquidity and to safeguard depositor's funds;
  • work together with its employees to develop their capabilities to contribute to achievement of the bank's objectives, promoting excellence, rewarding achievement and providing them the opportunity to share in the bank's success;
  • develop mutually acceptable relationship with government in the pursuit of improvement in living standards in rural areas, while respecting best financial practices;
  • ensure that its activities contribute to the environmental stability and overall improvement of living standards in Nepal; and
  • judge the bank's success against the measures that include profitability, portfolio quality in terms of minimal arrears and non-performing loans, portfolio worth, total deposits, geographic outreach and public image.

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