TABLE OF CONTENTS

Recommendation
Viva-Voce Sheet
Declaration
Acknowledgement
Table of Contents
List of Tables
List of Figures
Abbreviations
Page No.
CHAPTER - 1: INTRODUCTION
1.1 Background of the study----------------------------------------------- 1
1.2 Focus of the Study------------------------------------------------------ 4
1.2.1 Introduction of sample Banks-------------------------------- 4
1.3 Statement of Problem---------------------------------------------------- 8
1.4 Objectives of the study---------------------------------------------------9
1.5 Significance of the study------------------------------------------------ 9
1.6 Limitation of study------------------------------------------------------- 9
1.7 Organization of the study------------------------------------------------10

Chapter - 2: Literature Review

2.1 Conceptual Review----------------------------------------------------- 12
2.1.1 Origin and Development of Banks --------------------------- 12
2.1.2 Development of Central Banks-------------------------------- 13
2.1.3 Meaning of Central Bank ---------------------------------------13
2.1.4 Importance and Function of Central Bank------------------- 14
2.1.5 Meaning of Commercial Banks---------------------------------15
 2.1.6 Overview: Capital and Capital Adequacy------------------------ ---16
2.2 Review of NRB Capital Adequacy Norms for Commercial Banks----19
2.3 Empirical Review. ----------------------------------------------------------- 22
2.3.1 Review of Articles and Reports--------------------------------------22
2.3.2 Review of Previous Thesis--------------------------------------------26
2.4 Research Gap--------------------------------------------------------------------29

Chapter -3: Research Methodology

3.1 Research Design----------------------------------------------------------------30
3.2 Population and Sample------------------------------------------------------- 30
3.3 Source of Data------------------------------------------------------------------31
3.4 Data Collection Technique----------------------------------------------------31
3.5 Data Analysis Tools ------------------------------------------------------------31
3.5.1 Financial Tools----------------------------------------------------------31
3.5.2 Statistical Tools -------------------------------------------------------- 33

Chapter -4: Data Presentation and Analysis

4.1 Presentation of Data--------------------------------------------------------------- 34
4.1.1 Capital Fund----------------------------------------------------------------34
4.1.1.1 Capital Fund of HBL------------------------------------------ 34
4.1.1.2 Capital Fund of SBI--------------------------------------------35
4.1.1.3 Capital Fund of EBL------------------------------------------ 36
4.1.2 Risk-Weighted Assets of HBL, EBL and SBI------------------------ 37
4.1.3 Deposit Trend of HBL,EBL, SBI and National Total--------------- 38
4.1.4 Credit Trend of HBL,EBL, SBI and National Total----------------- 39
4.2 Ratio Analysis ------------------------------------------------------------------------40
4.2.1 Capital Adequacy Ratios of HBL, EBL and SBI---------------------- 40
4.2.2 Capital to Deposit Ratios of HBL, EBL and SBI--------------------- 42
4.2.3 Credit / Deposit Ratios of HBL, EBL and SBI------------------------ 43
4.3 Statistical Analysis--------------------------------------------------------------------44
 4.3.1 Correlation co-efficient ------------------------------------------------ 44
4.4 Impact of Capital Adequacy Norms on HBL, EBL and SBI------------------45
4.4.1 Study of Changes in Capital Fund of HBL, EBL and SBI--------45
4.4.2 Study of Changes in Share Capital of HBL, EBL and SBI--------46
4.5 Major findings of the Study ------------------------------------------------47

Chapter- 5: Summary, Conclusion & Recommendation

5.1 Summary--------------------------------------------------------------------------50
5.2 Conclusion------------------------------------------------------------------------50
5.3 Recommendation----------------------------------------------------------------51

Bibliography.
Appendices.
 LIST OF TABLES

Table 4.1 Capital Fund of HBL------------------------------------------------------------------34

Table 4.2 Capital Fund of EBL------------------------------------------------------------------36
Table 4.3 Capital Fund of SBI-------------------------------------------------------------------35
Table 4.4 Risk Weighted Assets of HBL, EBL and SBI--------------------------------------37
Table 4.5 Deposit Collection Trend of HBL, EBL and SBI and National Total-----------38
Table 4.6 Credit Trend of HBL, EBL and SBI and National Total--------------------------39
Table 4.7 Capital Adequacy Ratios of HBL, EBL and SBI----------------------------------41
Table 4.8 Capital to Deposit Ratios of HBL, EBL and SBI----------------------------------42
Table 4.9 Credit/Deposit Ratios of HBL, EBL and SBI--------------------------------------43
Table 4.10 Correlation coefficients-------------------------------------------------------------44
Table 4.17 Changes in Capital Fund of HBL, EBL and SBL -------------------------------45
Table 4.18 Changes in Share Capital of HBL, EBL and SBI ------------------------------46
 LIST OF FIGURES

Figure 4.1 Trend of Capital Fund of HBL---------------------------------------------------------35

Figure 4.2 Trend of Capital Fund of EBL----------------------------------------------------------37
Figure 4.3 Trend of Capital Fund of SBI-----------------------------------------------------------36
Figure 4.4 Deposit Ratios of HBL, SBI & EBL and National Total----------------------------39
Figure 4.5 Credit Ratios of HBL, SBI & EBL and National Total------------------------------40
Figure 4.5 Capitals to Deposit Ratio of HBL, SBI & EBL --------------------------------------43
Figure 4.5 Credits to Deposit Ratio of HBL, SBI & EBL --------------------------------------44
ABBREVIATIONS

HBL Himalayan Bank Limited

EBL Everest Bank Limited

FY Fiscal Year

BIS Bank for International

Settlement

NBBL Nepal Bangladesh Bank

Limited

NCBL Standard Chartered Bank

Nepal Limited

NIBL Nepal Investment Bank Ltd

NPA Non Performing Assets

NBA Non Banking Assets

CRR Cash Reserve Ratio

NRB Nepal Rastra Bank

SCBNL Standard Chartered Bank

Nepal Limited

TRWA Total Risk Weighted Assets

IMF International Monetary Fun