I know nothing about banks either but I know the bank is printing money for its shareholders and think about Ocean City. What happens in winter and what happens in summer? There are big restaurants as well as small restaurants operating during summer and same thing with banks. There is bank of america, sun trust  and other banks that all get to enjoy the benefit of customers depositing the money. But here for this bank, there's no winter for the foreseable future. All they can do is grow. And since they're local, they can be the ones to get the greatest value on the way they do the business. Even though big banks come in, it won't be like they'll rightfully dominate. Nobody is competing here. Everyone's grabbing as many business as possible and they're all over loaded. Just saying. By the way, Warren Buffett also says that if you don't know how to identify a jewel, be friend with a jeweller. So, to me the jewller here is the economic environment that the bank sits right in the middle of oil and the boom state. If the bank was in Hetauda and suddenly they found that hetauda is filled with gold everywhere..do you think that banks from kathmandu would kick them out? How would  they do so?Has that happened in Kathmandu for the same reason? The land and home equity value boom in Kathmandu..did big banks "eat" small banks? Or more banks opened to support the growing demand of land and home traders? I don't know what else to not understand here with this bank. But I respect your pass. We see things differently.