A FIELD WORK REPPORT

DEPOSITE MOBILZATION OF NEPAL BANGALADESH BANK

SUBMITTED FOR THE PARTIAL FULFILLMENT OF
BANKINF AND INSURANCE
BBS THIRD YEAR

PREPARED BY:
NAME: MUKUNDA PUDASAINI
EXAM ROLL NO.: 4790048
T.U. REGD. NO.: 9-2-479-0054-2012

SUBMITTED TO
TRIBHUVAN UNIVERSITY
FACULTY OF MANAGEMENT
HETAUDA SCHOOL OF MANAGEMENT
HETAUDA, MAKWANPUR

Recommendation
The report writing entitled DEPOSITE MOBILIZATION OF NEPAL
BANGALADESH BANK LIMITED is prepared for the partial fulfillment of
Bachelors Degree in Business Studies (B.B.S.) by Mukunda Pudasaini under my
supervision. He has successfully completed the task and it is the form as required by
the Tribhuvan University. I therefore recommend this thesis for approval.

Pradhumna Upadhaya
(Report Supervisor)
Hetauda School of Management, Hetauda

(Affiliated to TU and HSEB)

Hetauda School of Management

Hetauda, Makwanpur

Letter of Approval

This is to certify that the field work assignment report Submitted by

Mukunda Pudasaini
Examination Roll: 4790048
TU Registration no: 7-2-479-0054-2012
Entitled
DEPOSITE MOBILIZATION OF NEPAL BANGALADESH BANK LIMITED has

been prepared approved by this department. This field work assignment

report is forwarded for Examination.

Export Committee
1. Chairman:
2. Member:.
3. Member:.
Date:..

ii

ACKNOWLEDGEMENT
Many individuals and institutions have contributed in myriad of ways by
sharing their invaluable time, resources and knowledge without which, materialization
of the report in this form wouldnt have been possible. Space does not permit
mentioning their entire good name however; it in no way does mean belittling of my
gratitude toward them. Thank you all, but I owe special thanks to some people who
deserve the acknowledgement.
I would like to express the deepest gratitude and the sincerest thanks to
Pradhumna Upadhaya my research Supervisor for his invaluable guidance,
constructive criticism, intellectual support and encouragement throughout the whole
research period in order to accomplish this work. I feel a deep sense of gratitude to
him for his unconditional support and I am honored to have him as my advisor. His
crucial role to make this report to this final stage is indescribable. I am indebted to all
lecturers of Hetauda School of Management and my friends.
I am thankful to Hetauda School of Management for providing the references
facilities during my analysis. I am also thankful to my brother Mohan Pudasaini for
the computer typing and printing this report.

Mukunda Pudasaini

iii

ACRONYMS AND ABBREVIATIONS

NBBL

- Nepal Bangladesh bank Limited

IFIC

- International Finance Investment and Commerce

B.S.

- Bikram Sambat

IMTA

- International Money Transfer Agency.

UK

- United Kingdom

HK

- Hong Kong

PDFA

- Power Development Fund Administration

No.

- Number

F/Y

- Fiscal year

Amt.

- Amount

Mil.

- Million

Inte.

- Interest

Exp.

- Expenses

P.A.

- Per Annum

Adv.

- Advance

iv

LIST OF TABLE
Table No.
1.
2.
3.
4.
5.
6.
7.
8.

Title

Interest Bearing Deposit

Saving Deposit/ Total Deposit Ratio
Call Deposit to Total Deposit Ratio
Fixed Deposit to Total Deposit Ratio
Loan & Adv. To Total Deposit Ratio
Total Yearly Deposit Ratio
Total Yearly Loan & Adv. Percentage
Total Interest Income & Expenses

LIST OF FIGURE
Figure No.
Title
1.
2.
3.
4.
5.

Page No.
10
10
11
11
12
12
13
13

Page No

Bar Diagram of Deposit & Adv.

Total Deposit & Total Adv Trend
Pie Chart of Yearly Loan & Adv
Bar Diagram of Total Int. Income & Expenses
Profit Mobilization Trend

14
14
15
15
16

Table of Contains
Recommendation
Approval Sheet
Acknowledgement
Acronyms and Abbreviation
List of Table
List of Figure
Table of Contains
CHAPTER: 1 Introduction
1.1. Introduction of Bank
1.2. Historical Background of Banking In Nepal
1.3. Meaning & Function of Commercial Bank
1.4. Introduction of NBBL
1.5. International Network Relations
1.6. Background of NBBL
1.7. Branch Network
1.8. Staff structure of NBBL Hetauda Branch
1.9. Objectives of the study
1.10. Limitations of the study
1.11. Significance of the study

i
ii
iii
iv
v
v
vi
1-7
1
2
3
4
4
5
6
6
6
7
7

Chapter: 2 Research Methodologies

2.1 Research design
2.2 Methods of Data Collection
2.3 Tools for data presentation and analysis

8-8
8
8
8

Chapter: 3. Data Presentation and Analysis

9-17

3.1
3.2

Presentation and Analysis of Data

Study Result

Chapter: 4. Summary Conclusion and Recommendation

4.1
4.2
4.3

Summary of the Project work

Conclusion of the Study
Recommendation to the Bank

Bibliography
Bio- Data.

10
16
18-19
18
18
19
20
21

vi

CHAPTER I
INTRODUCTION
Nepal is a landlocked country with an area of 147,181 sq. km lie between
260 22 to 300 27 north latitude and 80 to 880 12 east longitude. It has an elongated
shape. Nepal is a small country although it is beautiful country. It is a mountainous
country where there are hundreds of peaks and ranges. It is the country of diversity.
There are 14 zones and 75 districts in our country. It borders with China in the north
and India in the east, west and south. Nepal is divided into 5 development regions. It
is the second richest country in water resources.
On the basis of attitude Nepal is divided into three divisions. The mountains
lies in the northern most part which covers about 35% land area. The Hill lies just
below the mountain which covers about 42% land area and the tarai lies in the
southern part which covers 23% land. According to the latest census of 20011 A.D.,
the total population of Nepal is 2,64,94,504.

1.1 Introduction of Bank:

Banks are among the most important financial institution in the economy. It is
an institution, which deals money, receiving, it on deposit from customers, honoring
customers drawing against such deposits on demand, collecting cheque for the
customers and lending or investing surplus deposit until they are required for
repayment.
According to US Law, any institution offering deposits, subjects withdrawal
on demand and marketing loans of a commercial or business nature in bank. So, banks
are those financial institutions that offer the widest range of financial services
especially credit, saving and payments services and performs the widest range of
financial functions of any business firm in the economy.
Bank means A financial establishment for the deposit, loans exchange or
issue of money and for the transmission of fundsThere are various concepts among
the economists about the origin of the World Bank. The term bank derives from the
Latin word Bancus, which refers to the bench on which the bankers would keep its
money and his records. Some persons trace its origin to the French word Banque
1

and the Italian Word Banco which means a bench for keeping lending and exchanging
of money in the market.
The first bank called Bank of Venice was established in Venice in year
1157. The Bank of Barcelona and the bank of Genoa was established in 1401
respectively. After this establishment of Bank was going on. The bank of Amsterdam
was established in Holland which was the great bank of the seventeenth century.

1.2. Historical Background of Banking in Nepal.

In early ages there was very low economic standard of Nepalese people. Our
country is very rich in culture but economically very back. Because of geographical
difficulties and economic problems, earlier people were not able to develop the
standard in cultivation and some simple handicrafts were the source of income for the
majority of the population. There was lack of good economic facilities and business to
develop the economic standard of people. In such situation people can develop their
traditional handicraft and traditional economic activates but are shield from the
developments around the world. In those days there was not vast use of Nepalese
Currency. Most of the parts country like Terai and border area use Indian currency.
There fore for import and export business people had to depend on India.
Above 65% people were depend on agriculture. But there was not any
economically support to those farmers. There fore they had to borrow from rich
merchant of the village in high interest rate. This was the primitive Banking system
for Nepal.
According to the historical evidence in 1723A.D.gun Kamdev. The kind of
Kathmandu had borrowed money to rebuild and to rule Kathmandu. Another
historical example of banking system is a financial institution named by Tejarath.
Which was established to vive loan facilities to the government staff and also to the
general public in the term of 5% interest. Another financial institution named Sainik
Dravya Kosh was established in 1994 B.S. for the welfare of government staff.
According to Nepalese company law commercial bank was established by the
name of Nepal Bank Limited. In 1994 B.S. which was the first commercial bank in
the history of Nepal. Nepal Rastra Bank was established in 2012 B.S. to do the master
function as a Central Bank. Then Rastriya Banijya Bank (another commercial bank)
was established in 2022 B.S.
2

1.3. Meaning and Function of Commercial Bank:

Commercial Banks should be established for developing the economic
condition of the country. Most of under developing countries are faced with the
problem of proper mobilization of the financial, physical and human resources. So
one of the chief undertaking used to overcome the problems of mobilizing financial
resources both internally and externally is to set up banks, promote and activate them
therefore commercial banks should established. It provides financial service in
different sector such as agriculture, Industry, Trade, commerce etc in the country.
Likewise section 2 (a) of the commercial Bank Act 2031 has defined the
Commercial Bank as a bank which operates currency exchanges transaction, accept
deposit, provided loan, perform dealing relating to commerce except the bank which
have been specified for the loan, perform dealing relating to commerce except the
bank which have been specified for the cooperative, agriculture, industry of similar
other specific objectives. Commercial bank play an important role in removing such
economic problems like inflation on and deflation of monetary trade, trade deficit and
budget deficit etc by capital formulation from deficits spending units (trade and
industry as well as general public).
The major functions of commercial banks according to Nepal
Commercial Bank act 2031 B.S. are as follows:

1) They accept deposit with or without interest. To do this they open saving,
current and fixed deposit accounts in the name of depositors.
2) They supply loans (Short term as well as long term what ever necessary for
trade and commerce) or make investment.
3) They help to issue shares and debentures of any company of any others
corporate body, guarantee or underwrite such shares or debentures and
undertake any agency business but not become a meaning agent.
4) They grant overdraft and issue letter of credit draft and travelers cheque.
5) They remit or transit fund to different place with in and outside of the country.
6) They purchase, sell or accept the securities of Government.
7) They provide many agency functions related information to their clients and
many other services.
3

1.4. Introduction of NBBL:

Just because of government encouragement and open policy for joint
venture bank operation, it was possible for NBBL to be established as a joint venture
bank. NBBL was established in 6th June 1994 (B.S. 2051/02/23) as a joint venture
with International Finance Investment and Commerce (IFCI) Bank Ltd. of
Bangladesh. The joint venture partner IFCI Bank Ltd is a premier commercial Bank
of Bangladesh with 58 branches and also has a joint venture exchange company in
Oman and joint Bank in Pakistan.
NBBL has been rendering modern banking services to the different
sectors of economy like manufacturing and service industries, hydropower product
traders, small organization and weaker sections of the society through its 17 branches
spread over all five development regions of the country.
This Bank is the only Bank entrusted by the World Bank and Nepal
Government to be the Power Development fund Administrator (PDFA) for the
development of small level hydro power project in the country.

1.5. International Network and Relations:

The bank has agency and correspondent relationship with more than 190
prominent foreign banks in the World enabling its to carry out remittance and foreign
trade business.
Apart from the correspondent relationship, the bank has established agency
relationship with various foreign money transfer agencies for getting inward
remittance in to the country which are:
First Remit (an IMTA based in UK)
Money Gram ( an IMTA based in UK)
Krishi Premura HK Ltd. (an IMTA based in HK)
Ezremit of Bahrain financing company (a renowned money transfer agency based in
Bahrain which covers all the Middle East countries)
The bank also has very good network to remit and receive funds from India.
It has relationship with internationally known banks American Express Bank,
Standard Chartered Bank as well as with ICICI Bank Ltd, which is the largest private
sector bank in India having more than 540 branches all over India.
4

1.6 Background of NBBL:

NBBL was established with an authorized capital of Rs. 240mil. Divided
into shares of Rs.100 each. Out of which Rs 120 mi, issued capital and paid up capital
was Rs. 60mil in establishment year 1994
It is a commercial bank established by issuing 30% share by Nepalese
citizens, 20% hold by Nepalese promoters and remaining 50% hold by IFIC bank Ltd.
The Member of Board of Directors.
Mr. Mr. Mohammad Lutfar Rahaman
Mr. M Shah Alam Sarwar
Mr. Mr. Arijit Chowdhury
Mr. Mr. Madhav Prasad Neupane
Mr. Mukunda Nath Dhungel
Mr. Mr. Arun Shrestha
Mr. Mr. Monirul isalm

Chairman
Director
Director
Director
Director
Director
Director

Organizational Structure
Board of Director

Company Security

Executive Director

General Manager

DGM

System

Treasury

Planning & New

Internal Audit

A/C Dept.

Asst. General Manager

Marketing

Credit

Legal Share Deposit

Branches

Loan Admits

Operation Service

Recondition

5
L/C & Guarantee L/C

1.7 Branch Network:

NBBL is providing services to its clients thought 17 branches at present. It
established its branches in all the development region of the country. The branches
situated at New Baneshor, Bijuli Bazar (Main Branch), Putalisadak, New Road,
Battar, Bhainsepati, Kalimati, lalitpur, Janakpur, Butwal, Hetauda, Birgunj, Nepagunj,
Biratnagar, Tatopani, Dhangadi, Pokhara, Dharan. Its branch expansion program shall
be continues in the future.

1.8 Staff Structure of NBBL Hetauda Branch:

Branch Manager

Asst. Branch Manager

Credit

L/C Guarantee

A/C
Reporting

Operation In charge

General Banking Department

Cash Department

System

1.9 Objectives of Project Work:

The main objective of this study report is to know about collection of deposit
and mobilization. To achieve these main objectives we should create further specific
objective which are as follow."
1. To find the deposit mobilization trend of NBBL.
2. To provide suggestion and recommendation on the basis of study analysis.
3. To complete the prescribed project work assignment report to submit for the
partial fulfillment of the requirement for the degree of BBS.
6

1.10 Limitation of the study:

The study is done for the partial fulfillment for the degree of the Bachelor of
Business Studies Program. So there are some limitations which are as follows:

1. The study is based on secondary data which are provided by NBBL

Hetauda Branch
2. The data are mainly based an annual report of NBBL.
3. The study focused only on NBBL.

1.11Significance of Study:
However the study has some limitation but there are many significance of this
study. Firstly, the bank has operated by equity and borrowed capital sources. All types
of deposits are one of the main borrowed sources of capital. It is the main source of
Bank to get success by the banking transaction if they mobilize it properly.
Secondly, the study gives detail information about all types of deposit of
NBBL as well as loan and advance provides by the bank. So this study helps those
who want to know about its deposit mobilization.
Thirdly, this study shows deposit mobilization on trend. So we can compare
the yearly deposit and loan and advance condition of NBBL.
Fourthly, many parties are benefited by this study like students (as a literature
survey) well management group and others.
Lastly the main significance of study is to submit the prescribed project work
assignment report for the partial fulfillment of the requirement for the degree of
Bachelor of Business Studies.

Unit-II
Research Methodology:

2.1 The Research design

This Research is quantitative in nature. The quantitative data were collected
from the Tourism board and its publication. Thus it is the survey of the descriptive
study of the researcher.
.

2.2 Data collection procedure

Generally we have two methods of data collection. Primary and Secondary
Primary Data: Data collected by the investigator himself/ herself for a specific
purpose.
Secondary Data: Data collected by someone else for some other purpose (but being
utilized by the investigator for another purpose).
The data of this research is the based on the NBBL annual report. So data collection
process is secondary data collection.

2.3 Data Analysis Procedure

For the analysis of the data the data are present in table and different kinds of
diagram such as bar diagram, trend line etc.

Unit-III
DATA PRESENTATION AND ANALYSIS

3.1 Presentation and Analysis of Data:

Introduction of deposit, loan and advance schemes of NBBL.
Deposit Schemes:
The deposit scheme of NBBL is divided into two categories which are as follow:
1. Interest free deposit
2. Interest bearing deposit
1. Interest free deposit:
In this category interest free deposit are included. It is mainly of three types.
i. Current deposit
ii. Margin deposit
iii. Other deposit

2. Saving deposit:
In this category interest is not free m earns it bears interest. The Bank should
provide interest on this deposit. It is mainly of three types.

i. Saving deposit: In this deposit NBBL provides interest @ 4% p.a. with

minimum balance of Rs. 5000 only.
ii. Saving plus deposit: In this deposit NBBL provides interest @ 3.25% p.a. on
daily balance with minimum balance of Rs. 50000 only.
iii. Call deposit: In this deposit NBBL provides interest @4%p.a. ( in average)
iv. Grihini Bachat: In this deposit NBBL provides interest @4% p.a. with min.
balance of Rs. 1000 only.
v. Short term deposit (Fixed deposit): In this deposit NBBL provides interest
@ 4.8% p.a. NBBL has also introduced free accidental insurance scheme up to
5 lack and medical insurance benefits up to 10 thousands to the individual
saving a/c holder.

Table: 1
Interest bearing deposit
F/Y

Saving

Call

Fixed

Certificate

Total

of Deposit
2067/068

1113438025

295231345

4356581832

5765251202

2068/069

1716840648

682159660

5236787874

7635788191

2069/070

2086888665

766045306

5453626762

13417118

8319977851

2070/071

2933352001

145217741

5031582970

10938397

9428591109

From the above table, in fiscal year 2067/068 the total interest bearing deposit
is Rs. 5765.25 million, in fiscal year 2068/069 it increases to 7635.79 million, in F/Y
2069/070 it increases to 8319.98 million and in F/Y 2070/071 also increases to
9428.59 million.

Table: 2
Saving Deposit Total Deposit Ratio (in Lakh)
F/Y

Saving Deposit

Total Deposit

Ratio

2067/068

111344

646719

17.22

2068/069

171684

860081

19.96

2069/070

208689

951446

21.93

2070/071

293335

1058065

27.72

Formulae used:
Ratio = saving Deposite/Total Deposite*100

From the above table the saving deposit to total deposit ratio in F/Y 2067/068
is 17.22%. In F/Y 2068/069 it increases to 19.96 %, in F/Y 2069/070 increase to
21.93%, in F/Y 2070/071 it increases to 27.72%.

10

Table: 3
Call Deposit to total deposit ratio (in Lakh)
F/Y

Call Deposit

Total Deposit

Ratio

2067/068

29523

646719

4.56

2068/069

68216

860081

7.93

2069/070

76604

951446

8.05

2070/071

145272

1058065

13.73

Formulae used:
Call Deposit 100
Total Deposit
From the above table the call deposit to total deposit ratio in F/Y 2067/068 is
67.36% in F/Y 2068/069 it decreases to 60.89%, in F/Y 2069/070 again it decreases
to 57.32% in F/Y 2070/071 it also decrease and reaches to 47.55%

Table: 4
Fixed Deposit to total deposit ratio ( in Lakh)
F/Y

Call Deposit

Total Deposit

Ratio

2067/068

4356558

646719

67.36

2068/069

523679

860081

60.89

2069/070

545363

951446

57.32

2070/071

503158

1058065

47.55

Formulae used:
Fixed Deposit 100
Total Deposit
From the above table the fixed deposit to total deposit ratio in F/Y 2067/068 is
67.36% in F/Y 2068/069 it decreases to 60.89%, in F/Y 2069/070 again it decreases
to 57.32% in F/Y 2070/071 it also decrease and reaches to 47.55%

11

Table: 5
Loan and Adv. to total deposit ratio (in Lakh)
F/Y

Call Deposit

Total Deposit

Ratio

2067/068

6467193594

4617097

71.39%

2068/069

8600812128

7358837

85.56%

2069/070

9514457399

8083987

84.96%

2070/071

10580648192

7961511

75.26%

Formulae used:
Total Loan & Adv. 100
Total Deposit

From the above table total loan and advance to total deposit ratio in F/Y
2067/068 is 71.39% in F/Y 2068/069 it increases to 85.56%, in F/Y 2069/070 it
decreases to 84.96% in F/Y 2070/071 again it decreases 75.26% and reaches.

Table: 6
Total Yearly Deposit Percentage
Fiscal Year

Deposit

Percentage

2067/068

646719

18.39

2068/069

860081

24.46

2069/070

951446

27.06

2070/071

1058065

30.09

Formula Used:
Yearly Deposit 100
Total Deposit

12

Table: 7
Total Yearly Loan & Adv. Percentage
Fiscal Year

Deposit

Percentage

2067/068

4617/97

16.48

2068/069

7358837

26.26

2069/070

8/83987

28.85

2070/071

7961511

28.41

Formula Used:
Yearly Loan and Adv.. 100
Total Balance and Adv..
Table: 8
Total interest income and Expenses (in lakh)
Fiscal Year

Total

Interest Total

Interest Difference

(Income)

(Expenses)

(Profit)

2067/068

60927

41500

19427

2068/069

81005

51585

29420

2069/070

85052

55274

29778

2070/071

101371

59788

41583

Formula Used: Total income - Total Interest Expenses

13

Fig.: 1
Bar Diagram of Deposit and Advance
1.2E+10
1E+10
8E+09
total deposit
Advance

6E+09
4E+09
2E+09
0
2067/682068/692069/702070/71

Fig.: 2 Total Deposited and Total Advance Trend

Total Deposit and Total Advance Trend

1200000
1000000
800000
600000

total deposit
advance

400000
200000
0

14

Fig.: 3
Pie Chart of Yearly Loan & Advance

2067/068
2068/069
2069/070
2070/071

Fig.: 4
Bar Diagram of Total Interest Income and Expenses

120000
100000
80000
60000

Total Interest (Income)

Total Interest (Expenses)

40000
20000
0

15

From above bar diagram in 2067/068 the total int. income is Rs. 609 mil. Where total
int. exp. is Rs. 415 mil. Difference income is Rs. 194 mil. In f/y 2068/069 the total int.
income is 810 mil. Where total int. exp. is Rs. 516 and difference income is Rs. 294
mil. In f/y 2069/070 the total int. income is Rs. 851 mil. where total int. exp. is Rs.
553 mil. and the difference income is Rs. 298 mil. . In 2070/071 the total int. income
is Rs. 1014 mil. Where total int. exp is Rs. 598 mil. and the difference income is Rs.
416 mil. From the above table int. income is in increasing trend, total int. expenses is
in slightly increasing trend and the profit is also in increasing trend.

Fig.: 5
Profit Mobilization Trend

Profit Mobilization Trend

450
400
350
300
250
200
150
100
50
0

Profit Mobilization
Trend

3.2. Study Result

However the interest bearing deposit of NBBL is in increasing trend
separately saving and call deposit are in increasing trend but in fixed deposit, in
starting it increases but lastly it decreases. (Table No. 1)
The saving deposit to total deposit ratio and call deposit to total deposit ratio is
also in increasing trend but the fixed deposit to total deposit ratio is not in increasing
trend. In starting it increases but lastly it decrease. (Table No. 2,3,4)

16

But as a whole the total deposit trend is in increasing trend. Till 2069/070 it
increases rapidly but later it increases slightly. (Fig. 2)
The loan and adv. of NBBL is increases till f/y 2070/071 but in f/y 2066/067 it
decreases. We can see the load and adv. to total deposit ratio where it increases up to
f/y 2069/070 decrease there after.
But as a whole the loan and adv. trend is going up till 2070/071 and then going
down and total int. income is in increasing trend, total interest expenses is in slightly
increasing trend, but the profit increases rapidly from 2068/069 to 2066/067 then
slightly increases and lastly from 2070/071 to 2066/067 again increase rapidly up to
416 mil.

17

Unit-IV
SUMMARY, CONCLUSION AND RECOMMENDATION
4.1. Summary of the project work
Deposit is the one of the main source of the Bank Capital. The types of deposit
of NBBL are categories in two types, one is interest free deposit and another is
interest bearing deposit. Current deposit, margin deposit and other deposits are
included in interest free deposit where as saving deposit, call deposit Grihini Bachat
and fixed deposit are included in interest bearing deposit. The deposits are collected
by the bank from bank customer which functioning as a life blood of the Bank.
Basically the Bank mobilizes its deposit to run well. To mobilize its deposit, the bank
provides loan and advances to their customer if they demand. The different types of
loan and advance has provided by the NBBL like working capital loan, term loan,
demand Loan, Trade finance loan, Hire Purchase, Housing Loan, Education Loan Etc.
This study mainly aims to know the deposit and its mobilization. Its specified
objectives are to find analysis and interpret the deposit mobilization trend of NBBL.
To fulfill these objectives of the study, the financial data are collected from financial
statements of NBBL. The data are collected for the period of year from 2068/069 to
2066/067. This study used some financial ratios to analyzed and interpret.

4.2. Conclusion of the Study

By the overall study, I have found that the total deposit had followed
increasing trend over the period of time, indicating satisfactory position. The saving
deposit to total deposit ratio is in increasing trend. It indicated the increase of saving
deposit which is satisfactory. The call deposit to total deposit ratio has followed
increasing trend over all fiscal years, indicating satisfactory condition of call deposit
but the fixed deposit to deposit ratio followed decreasing trend over all fiscal years,
indicating the fixed deposit of bank is not in satisfactory condition, It may be harmful
to the bank in near future if the trend is going decrease.
The loan and advance to total deposit ratio followed increasing trend in
starting but then decreasing, it shows the mobilization of bank is in increasing in
starting but decreasing there after. Overall it is satisfactory.
The total deposit and total adv. trend shows the mobilization of bank is in
increasing in starting but decreasing there after. Overall it is satisfactory.
18

The total and total trend shows till f/y 2070/071 the bank has able to mobilize
its deposit very well but after that it can't able to mobilize its deposit properly.
The difference of total int. income and total int. expenses means the profit has
followed increasing trend. The trend shows the satisfactory condition of profit up to
f/y 2070/071 after then shows good condition of profit in f/y 2066/067. Overall it is
satisfactory.
Therefore, by the above studies of NBBL, overall it has in satisfactory
condition not in better.

4.3. Recommendation to the Bank:

Although, from the available data, I have analyzed and interpret them to get
result but now this study is going to provide some suggestions and recommendation
that may be acceptable to the Bank Manager as an input to their decision making.
The fixed deposit to total deposit ratio is continuously going down. So to
increase this ratio NBBL tries to promote fixed deposit and attract the customers for it
means it should try to maintain the level of deposit.
There is also some problem in deposit mobilization the bank is not utilizing its
deposit properly. The bank should search the various productive profitable sectors to
mobilize its deposit. And also all the banks should search the various productive
profitable sectors to mobilize its deposit.
And also all the banks have to control their unnecessary expenses and try to
increase their profit by the proper management with the help of promotional tools. So
the bank must formulate the strategy to control such problems by using modern
technology, experts, and well trained personnel and by providing better services.

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BIBLIOGRAPHY
Subedi, Bhismaraj(2013), Banking and Insuriance, Kathmandu:Asmita Books
Publication Pvt.Ltd.
Shrestha, DR KP(2014), Project Management ,Kathmandu: Asmita Books Publication
Pvt.Ltd
Annual Reports of NBBL
www.nbbl.com.np

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CURRICULUM VITA (BIO DATA)

Name: Mukunda Pudasaini

Date of Birth: 2050/10/13
Father Name: Gurudatta Pudasaini
Nationality: Nepalese
Permanent Address: Handikhola-6, Makwanpur
Marital status: Unmarried.
Sex: Male
Language: Nepali, English, Hindi.
Contact No. : + 9779845459564
Academic qualification
SN
Year
Qualification
Academic Board
1
Running BBS
Hetauda School of Management
2
3

2068
2066

10+2
SLC

Bhutandevi HSS, Hetauda

Mahendra Jyoti HSS, Handikhola

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