The current life of Nepalese Banker is full of stress and tension. Bankers are in tension all around. With the increase of capital, branch expansion, and expansion of investment as well as technology, the business of the bank has increased as well as the risks are increasing. Here, the stress of maximizing profit as well as the stress of reducing the risk; Bankers are finding it difficult to strike a balance between business expansion and risk mitigation. The stress of massive targets of the bank leads their employees towards mental stress as well as a mental disorder.

Huge Pressure from the Governing Body to increase a profit
A bank is linked to its several stakeholders i.e. cooperatives, employees, shareholders, and even customers also. To satisfy everyone, the bank is under pressure to increase profit with excellent customer services. Shareholders expect a bonus along with an increment of stock price. The employees want a good pay scale and other benefits; then the customer will want more service at minimum cost. With all of this in mind, every banker is on pressure to increase profits every year and to become best than others in this competitive market.
Problem with money laundering
Now, there is even more stringency in money laundering. A banker is investigating a banker who knows that the banker has acquired the property unusually. If found guilty, the entire career ends. The bank is a sensitive institution for saving money and lending in the right places. If the banker does not understand this issue then there will be a big crisis. Therefore, efforts are being made to minimize risk while consolidating money laundering.

Fear of Hacking
In this 21st Century, the development of science & technology had reached to next level. With the development and expansion of technology, the number of hackers is increasing. Hackers are widespread worldwide. The use of technology cannot be minimized due to the fear of hacking. The use of technology helps the business expand while also facilitating the customer. Therefore, the adoption of security in the use of technology is also a big challenge for a banker.


Central Bank’s tightening in regulation


The banker did not only act against the rules to maximize profits. Everything must be done as per the rules of the Central Bank as per the BAFIA Act, including interest rates, deposits, debt investments. Debt is not invested simply because of demand. Interest rates have to be calculated according to the rules. Nepal Rastra Bank has tightened its focus on expanding loans on things that are not only profitable for the real estate, but also for the country.

Fear of Banking fault
As we all know that human wants never be completed. They always want more in every aspect. Similarly in the context of Nepalese Banking; there are several examples of Banking fault. Financially banking fraud that works against the rules is frightening. Now, such incidents are becoming more and more severe. Investing in schemes that are contrary to the rules, at the expense of their own benefit, can sometimes get tricked. It also damages the bank. This can be due to problems such as bad credit growth.

Fear of Hacking

In this 21st Century, the development of science & technology had reached to next level. With the development and expansion of technology, the number of hackers is increasing. Hackers are widespread worldwide. The use of technology cannot be minimized due to the fear of hacking. The use of technology helps the business expand while also facilitating the customer. Therefore, the adoption of security in the use of technology is also a big challenge for a banker.

The banker should think about the long-term development of the bank as well as whole nation development.