(1) A bank or a financial institution shall not do or cause the following:- (a) to buy and sell goods for the purpose of trading or to construct buildings or purchase immovable property except as necessary for its purposes, (b) to grant loans against the security of its shares, c) any firm, company or organization having substantial ownership or financial interest in a director, a person holding one percent or more of the paid-up capital, an executive head or a member of such person's family or a managing agent or a person having the right to nominate a director, firm, company or organization To provide any kind of loan or facility, (d) To provide loan or facility to the same customer, company, company of the same group or partnership firm, affiliated person in such a way that their capital exceeds the recipient limit set by the National Bank, (e) Founder, director or chief executive surety To give any kind of loan to a resident person, firm, company or organization, (f) To invest in the securities of banks or financial institutions classified in "A", "B" and "C" categories from the National Bank, (g) Amounts exceeding the limit set by the National Bank and other To invest in the company's share capital, (h) To maintain any type of monopoly or any other type of controlled practice in financial transactions between banks or financial institutions, (j) Any type of action that creates artificial barriers in the competitive environment of the financial sector with the intention of taking an illegitimate benefit. to do, (j) to perform other tasks that the National Bank may determine from time to time that should not be performed by a bank or financial institution. (2) Notwithstanding anything else written in this Act, to conduct its banking and financial transactions or to conduct its employees in accordance with the prevailing staff regulations of the bank or financial institution. To provide housing or other facilities, to provide loans against bonds issued by the Government of Nepal or the National Bank, money in any deposit account or term receipts, and to the founders, directors, executive heads or shareholders who hold more than one percent of their own fixed deposits, the Government of Nepal or the National Bank. It is not considered to be a hindrance to provide credit card facilities up to the specified limit and loan on the collateral of the bond issued by the bank.