BathroomCoffee ,I thougt for a while if I was raising personal issue here...but could not agree upon your logic ...Please let me understand why do you think this issue as personal...Please try to answers the following questions: 1) If somebody takes money from bank in Nepal with no intention to pay and misuse that money,Is that the issue of banker and so called industrialist only?(How about devaluation of shares of public because of those worst loan) 2) Don't you think that bank's bad loan has any effect in people's deposit? Those money are people's money...