{"id":37495,"date":"2026-08-26T16:23:21","date_gmt":"2026-08-26T10:38:21","guid":{"rendered":"https:\/\/bankingsansar.com\/news\/37495\/"},"modified":"2026-08-26T16:25:45","modified_gmt":"2026-08-26T10:40:45","slug":"explain-the-emerging-challenges-in-nepals-banking-sector-rbb-level-3-2070","status":"publish","type":"post","link":"https:\/\/english.bankingsansar.com\/news\/37495\/","title":{"rendered":"Explain the emerging challenges in Nepal\u2019s banking sector (RBB level 3- 2070)"},"content":{"rendered":"<p><strong>Definition of a Bank<\/strong><\/p>\n<p>A bank is a financial institution that accepts deposits from individuals, businesses, and other organizations and uses those funds to provide loans and other financial services. In simple terms, a bank acts as a financial intermediary between savers and borrowers.<\/p>\n<p>Banks collect money from people who have surplus funds and make it available to people, businesses, and governments that need funds for consumption, investment, trade, or other purposes.<\/p>\n<p><strong>Main functions of a bank<\/strong><\/p>\n<ol>\n<li>Accepting deposits \u2013 Banks accept savings, current, fixed, and other types of deposits.<\/li>\n<li>Providing loans and advances \u2013 Banks lend money for agriculture, business, housing, education, industry, consumption, etc.<\/li>\n<li>Credit creation \u2013 Commercial banks create credit through their lending activities.<\/li>\n<li>Payment and settlement services \u2013 Banks facilitate cheques, cards, mobile banking, internet banking, electronic transfers, and other payments.<\/li>\n<li>Remittance services \u2013 Banks facilitate domestic and international money transfers.<\/li>\n<li>Foreign exchange services \u2013 Banks buy and sell foreign currencies and facilitate international transactions.<\/li>\n<li>Agency services \u2013 Banks may collect bills, dividends, and other payments on behalf of customers.<\/li>\n<li>Investment and financial services \u2013 Banks provide services related to government securities, investment, guarantees, letters of credit, and other financial instruments.<\/li>\n<li>Economic development \u2013 Banks mobilize savings and channel them into productive sectors, contributing to economic growth.<\/li>\n<\/ol>\n<p><strong>Evolution of Banking in Nepal<\/strong><\/p>\n<p>The development of banking in Nepal can be divided into several major stages. Nepal&#8217;s banking system evolved from a relatively simple system of money lending and traditional financial practices into a modern banking and digital financial system.<\/p>\n<ol>\n<li><strong> Traditional Financial System<\/strong><\/li>\n<\/ol>\n<p>Before the establishment of modern banks, Nepal did not have a formal institutional banking system.<\/p>\n<p>People relied mainly on:<\/p>\n<ul>\n<li><strong>Dukuti<\/strong><\/li>\n<li><strong>Dhikuti<\/strong><\/li>\n<li><strong>Guthi<\/strong><\/li>\n<li><strong>Money lenders (Sahu\/Mahajan)<\/strong><\/li>\n<li>Merchants and traders<\/li>\n<li>Informal borrowing and lending among family and community members<\/li>\n<\/ul>\n<p>Money lenders provided loans, often at relatively high interest rates. Gold, silver, land, agricultural products, and other assets could be used in financial transactions.<\/p>\n<p>Traditional institutions such as <strong>Dhikuti<\/strong> also helped communities mobilize money collectively. However, these arrangements lacked the standardized regulation, deposit protection, monetary management, and formal credit mechanisms associated with modern banking.<\/p>\n<ol start=\"2\">\n<li><strong> Establishment of Nepal Bank Limited \u2013 1937<\/strong><\/li>\n<\/ol>\n<p>The most important milestone in Nepal&#8217;s modern banking history was the establishment of <strong>Nepal Bank Limited (NBL)<\/strong> in <strong>1937 AD (1994 BS)<\/strong>.<\/p>\n<p>It was the <strong>first modern commercial bank in Nepal<\/strong>.<\/p>\n<p>Before Nepal Bank was established, Nepal&#8217;s financial system was largely informal. The establishment of Nepal Bank introduced institutional banking practices such as:<\/p>\n<ul>\n<li>Deposit collection<\/li>\n<li>Formal lending<\/li>\n<li>Banking accounts<\/li>\n<li>Cheque facilities<\/li>\n<li>Organized credit<\/li>\n<li>Banking records and procedures<\/li>\n<\/ul>\n<p>The establishment of Nepal Bank marked the beginning of <strong>modern banking in Nepal<\/strong>.<\/p>\n<ol start=\"3\">\n<li><strong> Establishment of Nepal Rastra Bank \u2013 1956<\/strong><\/li>\n<\/ol>\n<p>A major turning point occurred with the establishment of <strong>Nepal Rastra Bank (NRB)<\/strong> in <strong>1956 AD (2013 BS)<\/strong>.<\/p>\n<p>Nepal Rastra Bank is the <strong>central bank of Nepal<\/strong>.<\/p>\n<p>Its establishment created an institution responsible for managing and regulating the country&#8217;s monetary and financial system.<\/p>\n<p><strong>Major responsibilities of Nepal Rastra Bank<\/strong><\/p>\n<ul>\n<li>Formulating and implementing monetary policy<\/li>\n<li>Regulating banks and financial institutions<\/li>\n<li>Managing foreign exchange reserves<\/li>\n<li>Issuing currency<\/li>\n<li>Acting as banker to the government<\/li>\n<li>Acting as banker to banks<\/li>\n<li>Maintaining financial stability<\/li>\n<li>Supervising banks and financial institutions<\/li>\n<li>Developing payment and settlement systems<\/li>\n<\/ul>\n<p>The establishment of NRB provided a formal regulatory framework for Nepal&#8217;s banking sector.<\/p>\n<ol start=\"4\">\n<li><strong> Establishment of Rastriya Banijya Bank \u2013 1966<\/strong><\/li>\n<\/ol>\n<p>The next major development was the establishment of <strong>Rastriya Banijya Bank (RBB)<\/strong> in <strong>1966 AD (2022 BS)<\/strong>.<\/p>\n<p>It was established as a government-owned commercial bank.<\/p>\n<p>RBB played a significant role in expanding banking services outside major urban centers and supporting government economic policies.<\/p>\n<p>Its activities included:<\/p>\n<ul>\n<li>Deposit mobilization<\/li>\n<li>Agricultural lending<\/li>\n<li>Industrial lending<\/li>\n<li>Business financing<\/li>\n<li>Government-related banking services<\/li>\n<li>Expansion of banking branches<\/li>\n<\/ul>\n<p>The establishment of RBB significantly increased the reach of formal banking in Nepal.<\/p>\n<ol start=\"5\">\n<li><strong> Agricultural Development Bank of Nepal \u2013 1968<\/strong><\/li>\n<\/ol>\n<p>The <strong>Agricultural Development Bank of Nepal (ADBL)<\/strong> was established in <strong>1968 AD (2024 BS)<\/strong>.<\/p>\n<p>Its principal objective was to provide financial resources to the agricultural sector and rural population.<\/p>\n<p>The bank played an important role in:<\/p>\n<ul>\n<li>Agricultural loans<\/li>\n<li>Rural credit<\/li>\n<li>Financing farmers<\/li>\n<li>Cooperatives<\/li>\n<li>Small businesses<\/li>\n<li>Rural development<\/li>\n<\/ul>\n<p>This was particularly important because Nepal&#8217;s economy was heavily dependent on agriculture.<\/p>\n<p>The establishment of ADBL represented a shift toward <strong>sector-specific and rural-oriented banking<\/strong>.<\/p>\n<ol start=\"6\">\n<li><strong> Expansion of Specialized Financial Institutions<\/strong><\/li>\n<\/ol>\n<p>During the following decades, Nepal gradually developed specialized financial institutions to meet the financing needs of different sectors.<\/p>\n<p>These institutions focused on areas such as:<\/p>\n<ul>\n<li>Industrial development<\/li>\n<li>Agricultural development<\/li>\n<li>Housing<\/li>\n<li>Rural credit<\/li>\n<li>Export and import financing<\/li>\n<li>Small and medium enterprises<\/li>\n<\/ul>\n<p>The government increasingly recognized that banking was not only about deposits and loans but also about supporting <strong>economic development and financial inclusion<\/strong>.<\/p>\n<ol start=\"7\">\n<li><strong> Liberalization of the Banking Sector<\/strong><\/li>\n<\/ol>\n<p>A major transformation occurred after Nepal adopted economic liberalization policies, particularly from the <strong>1980s and 1990s<\/strong>.<\/p>\n<p>The government began encouraging greater private-sector participation in banking and finance.<\/p>\n<p>As a result, the number of private banks and financial institutions increased.<\/p>\n<p>One of the most important developments was the establishment of <strong>Nabil Bank<\/strong> in <strong>1984<\/strong>, initially known as Nepal Arab Bank Limited.<\/p>\n<p>It became the first joint-venture commercial bank in Nepal.<\/p>\n<p>The entry of joint-venture and private banks increased:<\/p>\n<ul>\n<li>Competition<\/li>\n<li>Banking innovation<\/li>\n<li>Customer service<\/li>\n<li>Technology adoption<\/li>\n<li>New financial products<\/li>\n<li>Private-sector credit<\/li>\n<li>International banking practices<\/li>\n<\/ul>\n<p>5<\/p>\n<ol start=\"8\">\n<li><strong> Development of Financial Institutions<\/strong><\/li>\n<\/ol>\n<p>During the 1990s and 2000s, Nepal experienced rapid growth in banks and financial institutions.<\/p>\n<p>The financial system came to include several categories of institutions.<\/p>\n<p>Under Nepal Rastra Bank&#8217;s regulatory framework, banks and financial institutions were historically categorized into:<\/p>\n<p><strong>Class A -Commercial Banks<\/strong><\/p>\n<p>Commercial banks provide a broad range of banking services, including:<\/p>\n<ul>\n<li>Deposits<\/li>\n<li>Loans<\/li>\n<li>Corporate banking<\/li>\n<li>Trade finance<\/li>\n<li>Remittance<\/li>\n<li>Foreign exchange<\/li>\n<li>Digital banking<\/li>\n<\/ul>\n<p><strong>Class B -Development Banks<\/strong><\/p>\n<p>Development banks generally focus on development-oriented lending and financial services.<\/p>\n<p><strong>Class C -Finance Companies<\/strong><\/p>\n<p>Finance companies provide financial services such as deposits and credit, subject to their regulatory framework.<\/p>\n<p><strong>Class D &#8211; Microfinance Financial Institutions<\/strong><\/p>\n<p>Microfinance institutions primarily serve low-income customers, micro-enterprises, and financially underserved communities.<\/p>\n<p>This classification helped organize Nepal&#8217;s rapidly expanding financial sector.<\/p>\n<ol start=\"9\">\n<li><strong> Growth of Microfinance<\/strong><\/li>\n<\/ol>\n<p>Another important stage in Nepal&#8217;s banking evolution was the development of microfinance.<\/p>\n<p>Microfinance institutions were established to provide financial services to people who had limited access to traditional banks.<\/p>\n<p>They focused particularly on:<\/p>\n<ul>\n<li>Low-income households<\/li>\n<li>Small farmers<\/li>\n<li>Micro-enterprises<\/li>\n<li>Rural communities<\/li>\n<li>Women entrepreneurs<\/li>\n<li>Small-scale businesses<\/li>\n<\/ul>\n<p>Microfinance helped expand financial inclusion and brought formal financial services to previously underserved sections of society.<\/p>\n<ol start=\"10\">\n<li><strong> Financial Sector Reform and Consolidation<\/strong><\/li>\n<\/ol>\n<p>The rapid growth in the number of banks and financial institutions also created challenges.<\/p>\n<p>Some of the major concerns included:<\/p>\n<ul>\n<li>Excessive competition<\/li>\n<li>Duplicate branches<\/li>\n<li>Corporate governance problems<\/li>\n<li>Weak risk management<\/li>\n<li>Non-performing loans<\/li>\n<li>Capital adequacy concerns<\/li>\n<li>Institutional instability<\/li>\n<\/ul>\n<p>To strengthen the financial system, Nepal Rastra Bank introduced various regulatory reforms.<\/p>\n<p>One important approach was <strong>merger and acquisition (M&amp;A)<\/strong>.<\/p>\n<p>Banks and financial institutions began merging to create stronger institutions with:<\/p>\n<ul>\n<li>Larger capital bases<\/li>\n<li>Better risk management<\/li>\n<li>Improved operational efficiency<\/li>\n<li>Stronger governance<\/li>\n<li>Greater capacity to finance large projects<\/li>\n<\/ul>\n<p>As a result, Nepal&#8217;s financial sector has undergone substantial consolidation.<\/p>\n<ol start=\"11\">\n<li><strong> Introduction of Modern Banking Technology<\/strong><\/li>\n<\/ol>\n<p>The next major stage was the transformation from traditional branch-based banking to <strong>technology-driven banking<\/strong>.<\/p>\n<p>Banks increasingly introduced:<\/p>\n<ul>\n<li>Automated Teller Machines (ATMs)<\/li>\n<li>Debit cards<\/li>\n<li>Credit cards<\/li>\n<li>Point-of-Sale (POS) systems<\/li>\n<li>Internet banking<\/li>\n<li>Mobile banking<\/li>\n<li>SMS banking<\/li>\n<li>Electronic fund transfers<\/li>\n<li>QR payments<\/li>\n<\/ul>\n<p>Technology dramatically changed how customers interact with banks.<\/p>\n<p>Customers no longer need to visit a branch for many routine transactions.<\/p>\n<ol start=\"12\">\n<li><strong> Development of Digital Banking<\/strong><\/li>\n<\/ol>\n<p>Digital banking has become one of the most important developments in Nepal&#8217;s banking history.<\/p>\n<p>Banks now offer services through:<\/p>\n<p><strong>Mobile Banking<\/strong><\/p>\n<p>Customers can:<\/p>\n<ul>\n<li>Check balances<\/li>\n<li>Transfer money<\/li>\n<li>Pay bills<\/li>\n<li>Recharge mobile phones<\/li>\n<li>Pay merchants<\/li>\n<li>Manage accounts<\/li>\n<\/ul>\n<p><strong>Internet Banking<\/strong><\/p>\n<p>Customers can perform many banking transactions through online platforms.<\/p>\n<p><strong>QR Payments<\/strong><\/p>\n<p>QR-based payments have expanded rapidly among:<\/p>\n<ul>\n<li>Retailers<\/li>\n<li>Restaurants<\/li>\n<li>Small businesses<\/li>\n<li>Service providers<\/li>\n<li>Individual customers<\/li>\n<\/ul>\n<p><strong>Digital Wallets and Payment Platforms<\/strong><\/p>\n<p>The broader financial ecosystem also includes digital wallets and electronic payment systems.<\/p>\n<p>This has moved Nepal&#8217;s financial system increasingly toward a <strong>cashless and digital economy<\/strong>.<\/p>\n<ol start=\"13\">\n<li><strong> Development of Payment and Settlement Systems<\/strong><\/li>\n<\/ol>\n<p>Nepal&#8217;s banking evolution has also involved significant development of payment infrastructure.<\/p>\n<p>Electronic payment systems allow customers and institutions to transfer funds quickly without relying entirely on physical cash.<\/p>\n<p>The development of systems and institutions associated with electronic payments has supported:<\/p>\n<ul>\n<li>Interbank transfers<\/li>\n<li>Retail payments<\/li>\n<li>Digital transactions<\/li>\n<li>Government payments<\/li>\n<li>Business payments<\/li>\n<li>Remittances<\/li>\n<\/ul>\n<p>The modernization of payment infrastructure has become an important part of Nepal&#8217;s financial-sector development.<\/p>\n<ol start=\"14\">\n<li><strong> Banking and Financial Inclusion<\/strong><\/li>\n<\/ol>\n<p>Another important objective of Nepal&#8217;s banking development has been <strong>financial inclusion<\/strong>.<\/p>\n<p>Financial inclusion means ensuring that people have access to useful and affordable financial products and services.<\/p>\n<p>Banks and financial institutions have expanded services through:<\/p>\n<ul>\n<li>Branch expansion<\/li>\n<li>Branchless banking<\/li>\n<li>Mobile banking<\/li>\n<li>Microfinance<\/li>\n<li>Digital wallets<\/li>\n<li>Agent banking<\/li>\n<li>QR payments<\/li>\n<li>Financial literacy programs<\/li>\n<\/ul>\n<p>These developments have helped bring formal financial services to rural and previously underserved populations.<\/p>\n<ol start=\"15\">\n<li><strong> Banking and Remittance<\/strong><\/li>\n<\/ol>\n<p>Remittance has become an important component of Nepal&#8217;s economy.<\/p>\n<p>Nepali migrant workers send money home through formal financial channels, including banks and licensed remittance companies.<\/p>\n<p>Banks play an important role in:<\/p>\n<ul>\n<li>Receiving remittances<\/li>\n<li>Depositing remittance income<\/li>\n<li>Transferring money domestically<\/li>\n<li>Providing accounts to remittance recipients<\/li>\n<li>Connecting customers with international payment networks<\/li>\n<\/ul>\n<p>The growth of remittance has also encouraged greater participation in the formal financial system.<\/p>\n<ol start=\"16\">\n<li><strong> Current Structure of Nepal&#8217;s Banking Sector<\/strong><\/li>\n<\/ol>\n<p>Today, Nepal has a diversified banking and financial system regulated principally by <strong>Nepal Rastra Bank<\/strong>.<\/p>\n<p>The system includes:<\/p>\n<ul>\n<li>Commercial banks<\/li>\n<li>Development banks<\/li>\n<li>Finance companies<\/li>\n<li>Microfinance institutions<\/li>\n<li>Infrastructure\/development-oriented financial institutions<\/li>\n<li>Payment service providers and related financial institutions<\/li>\n<\/ul>\n<p>The banking sector now operates across both traditional and digital channels.<\/p>\n<p>Modern banks provide services to:<\/p>\n<ul>\n<li>Individuals<\/li>\n<li>Farmers<\/li>\n<li>Micro and small businesses<\/li>\n<li>SMEs<\/li>\n<li>Large corporations<\/li>\n<li>Government institutions<\/li>\n<li>Importers and exporters<\/li>\n<li>Remittance recipients<\/li>\n<\/ul>\n<ol start=\"17\">\n<li><strong> Major Stages of Banking Evolution in Nepal<\/strong><\/li>\n<\/ol>\n<table>\n<thead>\n<tr>\n<p><td><strong>Period<\/strong><\/td>\n<\/p>\n<p><td><strong>Major Development<\/strong><\/td>\n<\/p>\n<p><td><strong>Importance<\/strong><\/td>\n<\/p>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<p><td>Before 1937<\/td>\n<\/p>\n<p><td>Informal\/traditional financial practices<\/td>\n<\/p>\n<p><td>Money lenders, Dhikuti, Guthi and informal credit<\/td>\n<\/p>\n<\/tr>\n<tr>\n<p><td><strong>1937<\/strong><\/td>\n<\/p>\n<p><td>Nepal Bank Limited established<\/td>\n<\/p>\n<p><td>Beginning of modern commercial banking<\/td>\n<\/p>\n<\/tr>\n<tr>\n<p><td><strong>1956<\/strong><\/td>\n<\/p>\n<p><td>Nepal Rastra Bank established<\/td>\n<\/p>\n<p><td>Beginning of modern central banking and regulation<\/td>\n<\/p>\n<\/tr>\n<tr>\n<p><td><strong>1966<\/strong><\/td>\n<\/p>\n<p><td>Rastriya Banijya Bank established<\/td>\n<\/p>\n<p><td>Expansion of government-owned commercial banking<\/td>\n<\/p>\n<\/tr>\n<tr>\n<p><td><strong>1968<\/strong><\/td>\n<\/p>\n<p><td>Agricultural Development Bank established<\/td>\n<\/p>\n<p><td>Expansion of agricultural and rural credit<\/td>\n<\/p>\n<\/tr>\n<tr>\n<p><td>1980s<\/td>\n<\/p>\n<p><td>Financial-sector liberalization<\/td>\n<\/p>\n<p><td>Greater private-sector participation<\/td>\n<\/p>\n<\/tr>\n<tr>\n<p><td><strong>1984<\/strong><\/td>\n<\/p>\n<p><td>First joint-venture commercial bank, Nabil Bank<\/td>\n<\/p>\n<p><td>Increased competition and international banking practices<\/td>\n<\/p>\n<\/tr>\n<tr>\n<p><td>1990s<\/td>\n<\/p>\n<p><td>Rapid growth of private banks and financial institutions<\/td>\n<\/p>\n<p><td>Expansion and diversification of financial services<\/td>\n<\/p>\n<\/tr>\n<tr>\n<p><td>2000s<\/td>\n<\/p>\n<p><td>Growth of microfinance and financial inclusion<\/td>\n<\/p>\n<p><td>Greater access to rural and low-income populations<\/td>\n<\/p>\n<\/tr>\n<tr>\n<p><td>2010s<\/td>\n<\/p>\n<p><td>Mergers, acquisitions and consolidation<\/td>\n<\/p>\n<p><td>Stronger and better-capitalized institutions<\/td>\n<\/p>\n<\/tr>\n<tr>\n<p><td>2010s\u20132020s<\/td>\n<\/p>\n<p><td>Mobile\/internet banking and electronic payments<\/td>\n<\/p>\n<p><td>Rapid digital transformation<\/td>\n<\/p>\n<\/tr>\n<tr>\n<p><td>Present<\/td>\n<\/p>\n<p><td>Digital, inclusive and technology-driven banking<\/td>\n<\/p>\n<p><td>Greater accessibility, efficiency and innovation<\/td>\n<\/p>\n<\/tr>\n<\/tbody>\n<\/table>\n<p><strong>Conclusion<\/strong><\/p>\n<p>The evolution of banking in Nepal has been a transition from <strong>informal money-lending and community-based financial practices to a regulated, diversified and technology-driven financial system<\/strong>.<\/p>\n<p>The establishment of <strong>Nepal Bank Limited in 1937<\/strong> marked the beginning of modern banking. The establishment of <strong>Nepal Rastra Bank in 1956<\/strong> created the foundation for central banking and financial regulation. The subsequent establishment and expansion of <strong>Rastriya Banijya Bank, Agricultural Development Bank, private banks, development banks, finance companies and microfinance institutions<\/strong> expanded access to financial services.<\/p>\n<p>In recent years, the banking sector has moved rapidly toward <strong>digital banking, electronic payments, mobile banking, QR payments, financial inclusion, consolidation and technology-based financial services<\/strong>.<\/p>\n<p>Thus, the history of banking in Nepal can broadly be understood as:<\/p>\n<p><strong>Traditional finance \u2192 Nepal Bank \u2192 Central banking \u2192 Government banking \u2192 Agricultural\/development banking \u2192 Private and joint-venture banking \u2192 Financial liberalization \u2192 Consolidation \u2192 Digital banking and financial inclusion.<\/strong><\/p>\n<p>The evolution of banking has therefore played a crucial role in <strong>mobilizing savings, providing credit, supporting trade and investment, facilitating remittances, promoting financial inclusion, and contributing to Nepal&#8217;s overall economic development<\/strong>.<\/p>\n\n","protected":false},"excerpt":{"rendered":"<p>Definition of a Bank A bank is a financial institution that accepts deposits from individuals, businesses, and other organizations and uses those funds to provide loans and other financial services. In simple terms, a bank acts as a financial intermediary between savers and borrowers. Banks collect money from people who have surplus funds and make [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":16908,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[1212,56],"tags":[],"class_list":["post-37495","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-study-zone-en","category-uncategorized-en"],"acf":[],"jetpack_featured_media_url":"https:\/\/english.bankingsansar.com\/wp-content\/uploads\/2025\/02\/nepal-rastra-bank.jpg","publishedDateNp":"\u0967\u0966 \u092d\u093e\u0926\u094d\u0930 \u0968\u0966\u096e\u0969, \u092c\u0941\u0927\u092c\u093e\u0930 \u0967\u096c:\u0968\u0969","_links":{"self":[{"href":"https:\/\/english.bankingsansar.com\/bs_api\/wp\/v2\/posts\/37495","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/english.bankingsansar.com\/bs_api\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/english.bankingsansar.com\/bs_api\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/english.bankingsansar.com\/bs_api\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/english.bankingsansar.com\/bs_api\/wp\/v2\/comments?post=37495"}],"version-history":[{"count":1,"href":"https:\/\/english.bankingsansar.com\/bs_api\/wp\/v2\/posts\/37495\/revisions"}],"predecessor-version":[{"id":37496,"href":"https:\/\/english.bankingsansar.com\/bs_api\/wp\/v2\/posts\/37495\/revisions\/37496"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/english.bankingsansar.com\/bs_api\/wp\/v2\/media\/16908"}],"wp:attachment":[{"href":"https:\/\/english.bankingsansar.com\/bs_api\/wp\/v2\/media?parent=37495"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/english.bankingsansar.com\/bs_api\/wp\/v2\/categories?post=37495"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/english.bankingsansar.com\/bs_api\/wp\/v2\/tags?post=37495"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}