Is This a Moment for “Strategic Hibernation” in Nepalese Banking?

In the late 1980s and early 1990s, Indian banks operated in an environment defined by heavy regulation, weak credit demand, controlled pricing, and limited strategic freedom. Some resisted the temptation to chase artificial growth or over-adapt to a distorted system. Instead, they chose "strategic hibernation," quietly preserving core capabilities while waiting for conditions to change.…