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Essay text:
Banks like Himalayan, Nabil and Standard Chartered are the pioneers in introducing innovative and modern banking products in the market.
Banking industry is accumulating high level of NPA. Every player in the industry is focusing on making profit and increasing market share, resulting in unhealthy competition. Banks are competing through interest rate reduction, issuing loans irrespective of borrowers' credibility and authenticity. In course of making their credit bigger and short term profits banks are becoming least visionary.
Nepalese banking industry requires innovation in quality and quantity of services being provided to the customers...
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