Best for consumer lending: Bank of Bhutan
Bank of Bhutan’s consumer lending franchise in 2025 was defined by its scale in the domestic market and its consistent delivery across core retail credit segments. As the country’s largest commercial bank, it plays a central role in extending consumer credit, particularly to salaried borrowers.
Its portfolio is anchored in housing finance, which forms the backbone of retail lending, supported by steady origination tied to income-backed repayment capacity.
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