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CHAPTER- I

1.1. Introduction

The bank is an institution, which collects saving of the public by

providing the attitude of "Depositing for tomorrow" developed with the

human civilization and it has taken a prominent form of "Bank". The

functions of commercial banks are highly diversified and enhanced. They are

not restricted to depositing only but, still when we think of banks, deposit is

the first thing to come into our mind. Banks have been the major source of

funds mobilization in the economy since early times.

Bank is the most powerful institution for the survival of the national

economy. In the early stage, the needs and wants of the person were limited.

In that period everymen were "In self depended and they grew or made

something for themselves. When they began to live together, their needs

and wants went is out of their control. Then the barter system gave birth to

the monetary system. Then men earned more and more money and wanted

to keep in the safe place. They choose one money form that people who

want their money safe and gave that people who need it. This way bank was

introduced. A man was not able to keep all that money. Therefore a real

bank was introduced. Banks are those financial institutions that offer the

widest range of financial services, especially credit, saving and payment

services and perform the widest range of financial functions of any business

firm in the economy.

It has great significance in the context of our modern economy. Bank

tends not only to mobilize the money into priority sectors but it helps to

boost trade and commerce in the national also. Banks function should not be

misjudged only in terms of deposit and investment but also should be

considered as a major source of credit creation in the economy.

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"Banking means the accepting for the purpose of lending or investment

of deposit of money from the public repayable on demand or otherwise, and

withdrawal by cheques, draft or otherwise".

: "Any institution offering deposits subject to withdrawal on demand and

making loans of a commercial or business nature is a bank."

Banking plays a very vital and significant role in the development of

national economy. It is a financial institution that primarily deals in

borrowing and lending. Here financial institution refers that business

organization that is mainly confined to finance the development of the trade,

commerce and industry.

As the country like Nepal, economically poor, a good banking system

can help country to develop economically and in any other sector.

1.2. Development of Bank

Modern banks are not the effort of a single day months or year .It took

many decades to come in this present form. There are different stages in the

development of bank .In ancient time, goldsmith, merchant and money

lender used to perform the work of bank in every country so the ancestorwho helped in the development of banks are as follows.

The Merchant :- Merchants are the oldest ancestors of the modern bank.

They used to exchange the gold silver and deposit valuable ornaments made

of gold, silver, diamond, gem, pearl, ruby etc for the safety purpose. The

merchant after accepting deposit issue a receipt, which is considered

equivalent to the money or precious (valuable) ornaments. They were very

popular at that time so people believe on the merchant. People did not

hesitate to deal with the merchant so receipt given by the merchant is used

as money. The merchant played a vital role in development of bank.

The Moneylender: - The moneylender was second ancestor who helped in

the development of modern bank. The main functions of the moneylender

were to provide loan. In the beginning they provided loan from their own2

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fund or saving. But latter they started to accept deposit from the people too.

The rate of interest on deposit is lower than that that of rate of interest of

loan. People deposited their money with money lender for earning interests

& for safety and the needy borrow from the money lender paying interest so

thwarted as bank and played a vital role in development of bank.

Gold Smith: - The goldsmiths were the third ancestors in the

development of bank. Economists Hartley withers have considered the

ancient goldsmith as the father of the modern bank before evolution of bank

people deposit their precious metal & valuable ornaments with gold smith for

safety. In return goldsmith used to give a receipt which is known as

Goldsmiths Note as an evidence of deposit. It was made payable to bearer

and on demand. They were very popular at that time. People believe on

them. So the receipts given by the gold smith were used as money. It gained

circulation as currency on due course of time. These notes with the passage

of time became payable to bore & on demand an enjoyed circulation. Hence

goldsmith worked as a bank. In this way gold smith started to carry out

creating the credit, issuing notes, lending money, transacting the bills of

exchange & promissory notes etc. Later such banking function performed by

goldsmith transferred to Joint Stick Company and established as a bank andoperated the banking transaction.

1.3. Need of BankBank is the must in the present situation. We cannot even imagine the

development of any country economic activities without bank and the

development of banking is must for development of economic activities.

Even in the ancient time the necessity of bank was realized. The need of

bank can be pointed as follows: -

a. For the economic development of a country.

b. To provide security of valuable goods and property.

c. To transfer funds from one place to another.

d. To develop habit of saving.

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e. To develop agriculture & backward areas.

f. To exchange and control foreign currencies.

g. To provide loan for the needy people at lower rate.

h. To uplift poor people.

i. To generate huge capital.

j. To develop industry & commerce.

1.4. Types of Bank

With the change in time, need of bank also changes. So, their function

also changes. These are many functions of the bank, which a single type of

bank cannot perform. The industrial, commercial & scientific revolutionstarted which result the banking system to develop and extend. A single type

of bank cannot perform all sorts of activities smoothly. So, different types of

banks are formed according to their nature of work. Some of its types are as

follows: -

i. Central Bank: - Central Bank is the supreme bank of any country.

Nepal Rastra Bank is the central bank of Nepal, which is established in

2013 B.S. (1957 A.D.). It accepts credit of His Majesty Government,

Commercial Bank, Financial Institution and Government Office and

gives loan to H.M.G., Commercial Bank, Financial Institution and Govt.

office when needed. It keeps monetary system stable, develop banking

system, issue coins & notes and control the credit money. At the same

time, it works for the economic development of the country. It is also

called as BANK OF BANK.

ii. Commercial Bank: - Commercial bank is established to improve the

economy of the people and to give service and other facilities. It

provide loan to the agriculture, industry, & commerce and to offer

banking service to the people of the country. In Nepal there are 31

commercial banks at present. This bank plays a great role in the

economic development of a country.

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The commercial banks of Nepal are as below:

S. No. Customer Name

1 Bank of Asia Nepal Ltd.2 Bank of Kathmandu Ltd.3 Century Commerical Bank Ltd.

4 Citizens Bank International Ltd.5 Civil Bank Ltd.6 Commerz and Trust Bank7 DCBL Bank Ltd.8 Everest Bank Ltd.9 Global Bank Ltd.10 Growmore Merchant Bank Ltd.11 Himalayan Bank Limited12 Janata Bank Limited13 Kist Merchant Bank Ltd.

14 Kumari Bank Ltd.15 Laxmi Bank Ltd.16 Lumbini Bank Ltd.17 Machhapuchchhre Bank Ltd.18 Mega Bank Ltd.19 Nabil Bank Ltd.20 Nepal Bangladesh Bank Ltd.21 Nepal Bank Ltd.

22Nepal Credit and Commerce BankLtd.

23 Nepal Investment Bank Ltd.24 Nepal Rastra Bank25 Nepal SBI Bank Ltd.26 NIC Bank Ltd.27 NMB Bank Ltd.28 Prime Commercial Bank Ltd.29 Rastriya Banijya Bank Ltd.30 Siddhartha Bank Limited31 Sunrise Bank Ltd.

iii. Agriculture Bank: - These types of bank are established with the

objective of developing agricultural sector of a country. In Nepal,

Agriculture Development Bank (ADB) was established in 2024 B.S.

under the ADB act 2024. Agriculture plays an important role in the

economic development of any country. Especially in the developing

country, farmer does not have enough capital to invest buying

agricultural tools, fertilizers & other necessary equipments. So, ADB

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provides agricultural production loan, agriculture facility, loan, small &

cottage industry loan, agro- profession loan etc for the upliftment of

agriculture in the country.

iv. Industrial Bank: - Industrial bank are the bank, which provide loan to

establish and expand industry of a country. In Nepal industrial and

expand industry of a country. In Nepal Industrial Development

Corporation (NIDC) is considered as Industrial Bank. It provides loan for

the development of industries. The function of this bank is to open new

industry, to expand the present industry, to provide loan & technical

assistance to small-scale industry. To encourage the investor to buy

and sell the share etc.

v. Saving Bank: - The bank established with the objective of managing

type amount of capital by collecting little amount of money saved by

people is called Saving Bank. Such banks are established with the

purpose of encouraging the saving of the people. Up to the recent time

there is not a single bank established as Saving Bank in Nepal. ADB etc

are performing the function of this bank.

vi. Exchange Bank: - The banks, which exchange foreign currency, areknown as Exchange Bank. It exchange different currency and transfer

funds to the foreign currency. It buys and sells the foreign bill of

exchange. It provides facility to transfer money to foreign country. In

Nepal, Nepal Rastra Bank & some other Commercial Bank perform the

function of exchange bank.

vii. Student Bank: - The bank, which accepts the deposit of student and

give loan to the needy student, is called Student Bank. This type ofbank is not established in Nepal till now but this type of bank is found

in other country including India. The student of university deposit

money in the bank. Such bank is established in universities for the

purpose of making saving habit of the students. This bank benefits to

the student studying in the universities.

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viii.Rural Development Bank: - The bank, which is established for the

upliftment of the living standard of the people living in rural area by

encouraging them to start possible income generating occupation, is

Rural Development Bank. It provide loan without security & provide

necessary training and banking services to the people of rural areas.

The bank have a goal to bring poor people of lower class to promote

them at respectable level by giving them opportunity to increase

income & bring out hidden & suppressed skills through different

training.

ix. Labour Bank: - Up to the recent date there is not a single bank

established in Nepal as labour bank. In many other countries we can

find this type of bank. This type of bank is established by labour union

with the objective of offering the banking services to labourers. It is

called as labour bank. Due to limited income, the labour class has no

possibility of saving. So this bank is opened with intention to increase

the tendency of saving in labour class by saving a certain portion of

their incomes to deposit with this bank.

x. Indigenous Bank: - The bank, which follows the banking profession, istraditional custom & culture are called indigenous bank. It provides

loan at a fixed interest rate & accepts deposit. Examples of this type of

bank are goldsmiths, landlords, and merchants. In Nepal, we can find

this type of bank to great extent. So we cannot ignore their

importance. Such types of bank are in large number in developing

countries than in developed countries.

1.5. Introduction of Nabil Bank Ltd.

Nabil Bank Limited was established on July 12, 1984 under the Nepal

Commercial Bank act 2031, and Nepal Company Act 2053. It was the first

foreign Joint Venture by the Joint Investment of Dubai Bank Limited, and the

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Nepalese investor, which included local financial institution and general

public owing 20% and 30% of the total capital respectively. The other half

portion of total capital was owned by Dubai Bank Ltd., which was later

acquired by Emirates Bank International Ltd, and then by National Bank Ltd.

Bangladesh. The current partner that owns 50% share of Nabil Bank Limited

is N.B. International Ltd. of Ireland.

Nabil Bank Ltd. was previously known as Nepal Arab Bank Ltd. till

December 31, 2001. Under the technical service agreement approved by

Nepal Rastra Bank, Nabil Bank Ltd. has 45 braches and 2 counters within

Nepal, which is the highest number of branches of any Joint Venture Bank in

Nepal. It is the authorized bank to operate inside the Tribhuvan International

Airport. It provides the insurance of bank guarantee, letter of credit, credit

card and other banking service worldwide. This bank is making good profit

and has provided employment to large numbers of people. It has been giving

banking service through different branches by using extra modern

technologies. It is a popular bank of Nepal.

There are Nepalese and foreign investor investing in this bank. The

shares holding of Nabil Bank Ltd are:

Table No.1: Share holding of Nabil Bank Ltd

N.B (International) Limited, Ireland 50%

Nepalese Public 30%

Nepal Industrial Development

Corporation6.15%

Rastriya Beema Sansthan 9.67%

Others (Promoter Groups) 3.85%

Nepal Stock Exchange 0.33%

Total: 100%

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(Source: www.nabilbankltd.com)

Figure No.1:

Pie Chart Showing Share Holding of Nabil Bank Ltd. of

Different Investors.

Share Holding of Nabil Bank Ltd

Table No. 1 shows the share holding of Nabil bank by different investors.

Share of N.B (International) Limited, Ireland is 50%, share of General Public

is 30.%, share of Nepal Industrial Development Corporation is 6.15% , shareof Rastriya Beema Sansthan is 9.67%, the promoters groups share is 3.58%

and finally the share of Nepal Stock Exchange is 0.33%.

1.6 Organizational Setup of Nabil Bank LTD

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Manager HeadOffice Operation

10

Board of DirectorChief Executive OfficerManagerInternal Audit

ManagerInternal ControlSenior ManagerCredit &

Marketing

Senior ManagerOperation

Senior ManagerLegal & Personn el

ManagerCorporateBanking

ManagerHead Office

Credit

In chargeCentralControl

ManagerTreasuryManager CardService

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Head Office.

Management Team

Mr. Anil Gyawali (Chief Executive Officer)

Central OperationsMr. Kapil Sharma Chief Operating officer

Ms Neelam Tuladhar Head - Branches and Distribution Network

Mr. Jyoti K.C. Head - Central Trade Operations

Mr. Roshan Koirala Head - Human Resources

Finance & PlanningMr. Amrit Charan

Shrestha Chief Financial ControllerMr. Krishna Dutta

Bhattarai Chief Financial Officer

Legal and SupportMr. Binay Regmi Head - legal & Support

Mr. Rajesh UpadhyayaHead - Information Technology

Mr. Basanta Dhakhwa Manager - IT support

Mr. Dinesh Poudel Head - Administration

Risk Units

Mr. Anil Khanal Chief Risk OfficerMr. Krishna Gopal Head - Credit Administration and Support

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ManandharMr. Rajendra Bahadur

Malla Head - Operation Risk

Ms. Neena Thapa Head- Credit Risk ManagementMr. Iswar Man

Shrestha Credit AnalystMr. Babu Ratna

Bajracharya Credit AnalystMr. Kanhaiya Lal

RajwantManager - Compliance, Governance &Strategic Planning

Investment Management and International Banking

Mr. Bhuvan Dahal Chief Investment Officer

Mr. Mohan Subba Head - Global MarketsMr. Praveen Raman

Parajuli Head - Merchant BankingMr. Satish Sagar

Dawadi Head- BancassuranceCorporate Banking & Project Financing

Mr. Deepak Shrestha Head - Project FinancingMr. Dripu Dhoj

Adhikari Head - Corporate Banking

Ms. Namita Dixit Sr. Relationship Manager, KathmanduMr. Gyaneshwor

Acharya Sr. Relationship Manager, Kathmandu

Mr. Sanjay Nepal Sr. Relationship Manager, Kathmandu

Mr. Binay Neupane Sr. Relationship Manager, KathmanduMr. Kabindra P.

Shrestha Relationship Manager, KathmanduMr. Keshav Bdr.

Nepali Relationship Manager, Kathmandu

Mr. Nischal Pandey Relationship Manager, Kathmandu

Mr. Pushkar Bhattarai Relationship Manager, Biratnagar

Mr. Krishna Thapa Relationship Manager, Birgunj

SME, Micro and Personal Lending

Mr. Ramesh Lohani Head - Retail & SME Business

Mr. Yagya P. Sharma Head - SMEMr. Suresh P

Tripathee Head - PLUDeposit Relation Management & E - Channels

Mr. Binay K. Regmi Head- Deposit Relation Management

Mr. Saroj Pyakurel Sr. Relationship Manager

Mr. Deepok Chhettri Sr. Relationship Manager

Mr. Pradeep Mishra Head - Inward Sourcing

Mr. Niraj Sharma Head Card Division & E-Channel

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Internal Audit

Mr. Binod K. Sharma Head - Internal Audit

1.7. Branch NetworkNabil Bank Ltd. has 45 branches, and two counters, which is the largest

number of branches among Joint Venture Bank in Nepal.

Head Office

Nabil Bank Ltd.

Nabil House, Kamaladi, Kathmandu.

Branches & Counter

1. Teendhara Branch, Kathmandu

2. Kantipath Branch, Kathmandu

3. Tripureshwor Branch, Kathmandu

4. Newroad Branch, Kathmandu

5. Jorpati Branch, Kathmandu

6. Adarsh Nagar Branch, Birgunj

7. Power House Chowk, Birgunj, Parsa

8. Goswara Road Biratnagar Branch, Biratnagar

9. Kupondole Branch, Lalitpur10. Itahari Branch, Itahari

11. Butwal Branch, Butwal

12. Newroad Pokhara Branch, Pokhara

13. Bhairahawa Branch, Bhairahawa

14. Nepalgunj Branch, Nepalgunj

15. Lakeside Branch, Pokhara

16. Exchange Counter, TIA, Kathmandu

17. Dharan Branch, Dharan

18. Bhalwadi Branch, Rupandehi

19. Maharajgunj Branch, Kathmandu

20. Birtamode Branch, Jhapa

21. Damak Branch, Jhapa

22. Hetuada Branch, Makawanpur

23. Narayangadh Branch, Chitwan

24. Baglung Branch, Baglung

25. Tulsipur Branch, Tulsipur

26. Ghorahi Branch, Dang

27. Dhangadi Branch, Dhangadi

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28. Mahendranagar Branch, Kanchanpur

29. New Baneshwor Branch, Kathmandu

30. Halchowk Branch, Swoyambhu , Kathmandu

31. Thamel Branch, Kathmandu

32. Kausaltar Branch, Bhaktapur

33. Chabahil Branch, Kathmandu

34. Maitidevi Branch, Kathmandu35. Satdobato Branch, Lalitpur

36. Balaju Branch, Kathmandu

37. Kuleshwor Branch, Kathmandu

38. Khandbari Branch, Shankhuwashabha

39. Charikot Branch, Dolakha

40. Dhulikhel Branch, Kavre

41. Gorkha Branch, Gorkha

42. Besisahar Branch, Lamjung

43. Chandragadhi Branch, Jhapa

44. Dhapashi Branch, Kathmandu

45. Anamanagar Branch, Kathmandu46. Sinamangal Branch, Kathmandu

47. Gwarko Branch, Kathmandu

48. Attarkhel Branch, Kathmandu

ATM Counters

1. Attariya,

2. Baneshwor, Kathmandu

3. Bhaktapur, Bhaktapur

4. Bigbazar, Birgunj

5. Pulchowk, Lalitpur

6. Chipledhunga, Pokhara

7. Foradurbar, Kathmandu

8. Jhamsikhel, Lalitpur

9. Kalimati, Kathmandu

10. Kapan Gumba, Kathmandu

11. Kathmandu Guest House, Thamel, Kathmandu

12. Krishna Tower, New Baneshwor, Kathmandu

13. Lakeside, Pokhara

14. Hotel Ying Yang, Thamel, Kathmandu

15. Newroad ATM Lobby, Newroad, Kathmandu

16. Sanchayakosh, Thamel, Kathmandu

17. Hotel Soaltee, Soaltee Mode, Kathmandu

18. US Embassy, Chakrapath, Kathmandu

1.8. Products and Services Provided by Nabil Bank Ltd.

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Nabil bank Ltd is one of the most popular banks of Nepal. It has provided

many services to its customers. Due to which it is popular among the

Nepalese people. The services and products provided by Nabil Bank Ltd are

as below.

1. Deposit: - Nabil bank Ltd accepts the saving of people as deposit.

People deposit their savings in the bank for their future use. It gives

interest to the depositor. Some types of Deposit of Nabil Bank are.

a. Current Deposit

b. Saving Deposit

c. Fixed Deposit

d. Call Deposit

2. Loan: - It provides loan to the needy people for different activities. It

also provides loan for industrial & trading purpose. It provides loans on

(mortgage) security & takes certain percent as interest.

3. Credit Card: - Nabil Bank Ltd is the first bank to introduce credit card in

Nepal. It commenced credit card facilities with the acceptance of

master card, visa card, AMEX etc. due to the increasing number of

tourist & visitors it has opened credit card counter at Thamel,

Kathmandu & Lakeside, Pokhara.

4. Safe- Deposit Locker: Nabil Bank not only keeps its customers money

safe but also it keeps their valuable ornaments, jewelry & important

documents safe. It charges a minimum reasonable amount for these

services. It provides this facility in some of its branches only.

5. Fund Transfer: - with the help of worldwide network of its

correspondent bank it can transfer its customer fund to and from Nepalto anywhere in the world within minimum time.

6. Western Union Money Transfer: Nabil Bank Ltd has entered in to an

agreement with Western Union Financial Inc.USA, under which funds

can be transferred to Nepal from more than 85000 locations in more

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than 176 countries like; we can send money to these locations within

few minutes.

7. SWIFT: - Nabil Bank has become a member of SWIFT (Society for

Worldwide Inter-bank Financial Telecommunication). Message & Fund

Transfer is carried out through SWIFT with minimum time & Cost.

8. Automated Tellers Machines (ATM): - It the new step of financial

process. This system is very useful and easy to do the financial

transaction, which helps us as follows.

The basic functions of Nabil ATM are dispensing cash, inquiring the

balance in the customer account accepting requests for cheque -

books, printing of statement of accounts.

Nabil ATM card is called CASH CARD since it provides flexibility of cash

withdrawal conveniently.

Nabil ATM never sleeps. It is at our service round the clock- 24 hours a

day and 365 days a year.

Nabil provides additional CASH CARD (supplementary card) for your

spouse who maintains a joint account with us, which is operated singly,

subject to the other conditions mentioned above.

At the time of issue of CASH CARD we will be given a sealed envelope,

which contains 4 digits number randomly generated by a computer.

This number is known as Personal Identification Number (PIN), which is

known only to the cardholder. Whenever we desire to do a transaction

at the ATM, we should insert the PIN. This is the ATM's way of knowing

the authenticity of the cardholder. The ATM screen will guide us step

by step through all the transactions with a series of help messages.

Detailed instructions on operating the ATM are also given on the

reverse.

We have to inform immediately- by telephone, if possible followed by a

letter- the nearest branch of Nabil Bank about the loss of our card. The

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1.10. Features of Fixed Deposit

a. The amount is deposit for a fixed period.

b. The amount cannot be withdrawn by cheque before the expiry of time.

c. Interest is higher than in saving, Current or other a/c.

d. Usually, the interest is awarded every 3 month in this deposit

e. Fixed deposit a/c can be rewarded after expiry of time.

f. Bank can invest such deposit in other sector.

g. Customer can deposit for fixed time from 7 days to 5 years & more.

h. Both Customer & Bank get benefited from this deposit.

Interest Rate Given by Nabil Bank Ltdfor fixed deposit

Period Rates

Upto 1

month

7 % to 8 %

3 months 8% to 9 %

6 months 9 % to 10

%

1 year or

above

10% to

10.5 %

(Effective Date June 2011)

1.11. Procedure of Opening Fixed Deposit:

To open the fixed deposit a/c we should first of all fill a form, which is

available in Nabil bank. We can get form from any branch & deposit it in the

same bank, which is near, & easy for us to deal we should fill our name,

surname, age, address, & citizenship of the applicant & other necessary

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things should be filled up in firm. We also should include the name of a willed

person. Willed person is the person to whom the deposited money will be

transfer in case of the death of the depositor.

After filling the form the employee of Nabil bank, check the application

form. After checking the form if we found everything right than we can

deposit money in the bank. Then the bank provides a receipt as an evidence

of (proof) to show that the fixed deposit a/c is opened. After depositing the

money we will get interest from the bank.

1.12. Procedure of Closing Fixed Deposit

Fixed deposit account is not like current &saving deposit, which goes

continuously for long time. In the fixed deposit, costumer deposits amount

for a fixed period so after the expiry of the fixed period the relation between

the bank & customer comes to an end automatically and if the customer

doesnt renew the account. If the customer renews the as then it goes on

continuously for the fixed period after the expiry of the fixed period the

customer with the receipt if fixed deposit visit the bank and withdraw his

money back he get the total amount of capital the interest for the deposit.

But if the customer wants to continue then he can renew it. The deposit will

end if the a/c holder dies. The deposit will be transferred to the willed person

on the death of the a/c holder. And is the willed person wants to continue the

a/c he can continue the account.

1.13 Objectives of the Study.

The main objectives of the study are to analyze the trend of saving

deposit and total deposit of Nabil bank. And other objectives of the study are

as follows.

To analyze the total mix of deposit in Nabil.

To analyze the share of fixed deposit out of total deposit on Nabil.

To analyze the trend of fixed deposit in Nabil.

To analyze various facilities only provided in Nabil

To evaluate the importance and utilization of fixed deposit account.

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1.14 Limitation of the Study.

This study gives general information about the Nabil bank and its

function. It also gives the basic ideas of deposit collection and trend speciallyfixed deposit.

I tried to get as much as information about Nabil and also want to

analyze them appropriately, but there are some limitations, which could not

be crossed.

Due to time constraints, this study was done only within one

organization.

The study concerns only a period of 5 years from year 2004 to 2008

and hence the conclusion only the above period.

The studies focus on fixed deposit account.

It cant compare fixed deposit of other commercial banks.

Only secondary data are used. So, the reliability of data is not checked.

CHAPTER II

2.1. Literature Review

A bank is the custodian of the deposit of depositors. In modern Bank is

one of the important financial institutions dealing with the money, credit and

financial asset. In fact, the term bank has been derived from the Greek word

called "BANCA" which meaning is lending and borrowing of money sitting on

bench. On this basis, banking is defined as an institution dealing with money,

credit and other financial asset.

A bank is government registered institution which involved in

monitoring transaction, it purchase and sales money and credit. Banks are

the most important financial institution in the economy. It plays a vital role in

the development of a country.

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"Ordinary banking business consists of changing for bank deposits and bank

deposits for cash".

"Any institutions opening deposits subject to which drawl on demand andmaking loans of commercial or business nature is bank"

"Banking means the accepting for the purpose of lending or investment of

deposit of money from the public repayable on demand or otherwise and

withdraw able by cheque, draft or otherwise

A bank is dealer in capital or more probably a dealer in money; he is an

intermediate party between the borrowers and the lenders"

" A bank means a commercial institution government or non-government

which financially functioned as collecting /accepting deposit of money by

allowing interest repaying it on demand or lending , transaction in give and

take of cash, gold, silver and other valuables etc."

"Therefore it shows that NABIL has a good and sound reputation

among its customers. The economy is going through recession these few

years and interest rate provided by all banks including NABIL to its deposit

are directly decreasing even that fixed deposit trend of NABIL doesnt

seem to be affected by this. It indicates that the customers have faith that

their deposit will be handled carefully by NABIL. The deposit isnt

completely governed by returns on it only 23.94% of total deposit is one of

the major sources of funds for NABIL BANK LTD.

Maximum deposit isnt good economic policy for development of the

country. If deposits are invested in any kinds of productive sector, it moves

the country to economic development. Many people directly or indirectly

engaged on employment and it also increased the national productively. In

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this way we can say that Deposit is a kind of economic seeds for countries

but all deposits should not be seed for us. If all crops are used for seeds, we

will hungry when it doesnt give product. That is why we can say that a

suitable deposit is most important equipment for the development of study

deposit collection policy of every kind of banking and financial institutions.

Profitability position of NABIL Bank is comparatively better than the other

ratios. So I recommend the bank to use its resources for generating more

profit margins. If the resources are held idle, the bank may face high costs

and causes the low profit margin.

CHAPTER III

3.1 Research Methodology

Before collecting information from bank the action plan was made

according to the instruction given by the subject teacher. Initially, Kamaladi ,

Head Office of Nabil bank is visited and some aspects of issue have been

interviewed and have been discussed with them also.

From the co-operation and help of the concerned staff, annual report

and information regarding deposits especially fixed deposit have been

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collected. Apart from that other information and primary data are collected

from the some publishes and annual report of Nabil what they provided us.

Available literature and document have been reviewed. Then after,

collected information and data have analyzed and synthesized.

3.2. Types of Methodology in ResearchCollection of data means the methods that are used for getting the

necessary information from the units under investigation. The method of

collecting the data depends upon the nature, object & the scope of the

inquiry. There are two types of data:

(a) Primary Data

(b) Secondary Data

According to Selltiz, Wrightsman and Cook as quoted by Ritchie (1989)

the purpose of various data collection techniques are to produce truth

worthy evident that is relevant to the research question being asked.

(a) Primary Data:

The first hand data, which is collected by the researcher himself, is

primary data. The data is thus originated in character. These types of dataare obtained in the survey and inquire conducted by Government, some

individual institutions & research bodies. It has not been collected primary

data for this study.

This fieldwork is based, to some extent, on the primary data collected

from the concern sample group of officers working in NABIL.

(b) Secondary Data:

Any data, which is already published in other sources, like book,

newspaper, websites, etc. is secondary data. For this purpose of this

fieldwork, I have collected the secondary data from the following sources:

1. 2006/07, 2007/08, 2008/09, 2009/10Annual Report of NABIL.

2. Field work report of previous BBA 5TH Semester

3. Other related Manuals & Bulletins statement published by NABIL

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4. NABIL Bank website (www.nabilbank.com)

3.3. Data processing Technique

The data collected from the above stated sources has been classified,

tabulated and interpreted for easier study.

Classification and tabulation of dataThe data collected are classified tabulated and arranged in a manner to

make it easily understand with the use of table in a chronological order. After

classification, the data is tabulated.

3.4. Diagrammatic Representation of Data

Various diagrams are used to present the data more clearly. Thediagrams used are as follows.

Bar Diagram Pie-chart Trend Line

3.5. Statistical Tools

Statistical Tools is to be used as follows:

Mean

Standard Deviation and C.V

Ratio

Percentage

Co-relation and Regression

CHAPTER IV

4. Presentation and analysis of data

Various statistical techniques used for the analysis of data. Data are

analyzed according to the figures in the table extracted from the annualgeneral meeting repost of the bank and mentioning the reasons of increasing

and decreasing trend data.The main purpose of this case study is to show

the fixed deposit trend of Nabil Bank Ltd., its customers interest and Nabils

policy so far as well as recommend suggestions for its improvement through

this study. During the fieldwork at Nabil Bank Ltd., Kamaladi, board aspects o

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fixed deposit, the following phenomena about F.D. in Nabil Bank has been

observed.

Table no. 2:

The Financial Highlights of Nabil Bank Ltd., Of The Year 2009/ 2010(NRs. In Million)

Particulars 2009/10 2008/09

Total Capital Fund 3,834.8 3,130.2

Deposit 46,410.7 37,348.3

Loan advance & Overdrafts 33,031 27,999

Interest Income 4,047.7 2,798.5

Interest Expenditure 1,960.1 1,153.3

Net Interest Income2,087.6

21,645.20

Total operating income 2,764.1 2,220.9

Total Operating Expenses 701.7 604.9

Profit Before Prov. For Possible Loss.

Bonus & Tax

2062.41616

Provision For Possible Losses 355.82 45.72Provision For Staff Bonus 162.51 147.86

Provision For Tax 485.91 447.61

Net Profit1,138

.571,031.05

(Source: Nabil Bank Ltd. Report 2009/10)

Above table shows the financial highlights of Nabil bank. It shows over all

performance of Nabil bank is good. Bank earns net profit of Rs 1,031.05

million in 2008 and earns net profit of Rs. 1,138.57 million in 2010.

4.1. Deposit Mix:

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Deposit Mix is the composition of different types of deposits of the

bank. The deposits mix of Nabil Bank Ltd. is given in the table below.

Table No.3Deposit mix of Nabil Bank

(Rs in million)

Years 2009/10 2008/09 ChangeNRs.

%

Current 7,904.67 5,480.53 2424.14 44Saving 13,783.58 14,620.41 (836.83) (6)Fixed 14,711.16 8,310.71 6400.45 77Call 9,295.06 8,438.27 856.79 10

Margin 629.86 463.01 166.85 36Others 864.21 353.20 511.01 145

Total 47,188.54 37,666.13 9522.41 25

Figure No.2: Pie Chart of Deposit mix of Nabil Bank in 2009/10

Figure No.3: Pie Chart of Deposit Mix of Nabil Bank of Year 2008/09

Table no.3 Indicates that the overall deposit of Nabil Bank is

increasing. Total deposit is increased by 25% this fiscal year (2009/10) in

comparison to the previous fiscal year (2008/09). Current deposit is

increased by 44% this fiscal year compared to previous year. Saving deposit

has decreased by 6%, fixed deposit is increased by 77%. Call deposit is

increased by 10%, and Margin is increased by 36% whereas other deposits

have increased by 145% this fiscal year as compared to the previous year.

4.2. Fixed Deposits

Fixed deposits are the deposit, which are deposited for a certain period.

It is one of the major deposits of any bank. The fixed deposits of Nabil Bank

are in the table below.

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Table No. 4: Fixed Deposit of Nabil Bank(Rs. In Million)

Yea

r

Fixed

Deposit

%

Change200

63450.2 -

200

75435.2 58%

200

88464.09 56%

200

98310.70 -2%

201

014711.16 77%

In the above table we can see the fixed deposit of five year. The fixed

deposit is increased by 58% in 2007 than previous year. The fixed deposit on

2008 and 2009 is increased by 56% and decreased by 2% respectively in

comparison to previous year. And the fixed deposit in 2008 is increased by

77% than previous year. This is also shown by following figure.

Figure No.4: Fixed Deposit of Nabil Bank

4.3. Total Deposit

Total deposit is the sum of current, fixed, margin, saving, call & other

deposit. While studying the fixed deposit we should also study the total

deposit of Nabil Bank Ltd.

Table No. 5: Total Deposit of Nabil Bank

(Rs. In Million)

Year Total

Deposit

%

Change200

6

19348.4 -

200 23342.3 20.6

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7200

8

31915.05 36.73

200

9

37348.25 17

201

0

46410.70 24

In the above table, we have given the total deposit of Nabil Bank from

the year 2004 to 2008. We can see that the total deposit is increased by

3.5% in the year 2005. And there after the total deposit is increased by

32.6%, 20.6% and 36.73% in the year 2006, 2007 and 2008 respectively in

comparison to the previous year.

Figure No.5: Total Deposit of Nabil Bank

4.4. Fixed Deposit to Total Deposit Ratio

Following table and figures shows the fixed deposit to total deposit ratio ofNabil bank.

Formula used here is fixed deposit to total deposit ratio =

%100TD

FD

Table No. 6: Fixed deposit to total deposit

ratio

(Rs. In Million)

YearFixed

Deposit

Total

Deposit

Ratio %

2006 3450.2 19348.4 17.8 %

2007 5435.2 23342.3 23.3 %

2008 8464.09 31915.05 26.52%

2009 8310.70 37348.25 22.01%

2010 14711.16 46410.70 31.82%

Above table no. 6 shows fixed deposit to total deposit ratio. Fixed deposit to

total deposit ratio was 17.8% in 2006 which increased to 23.3% in 2007.

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There after this ratio shows increasing trend. It reaches to 26.52% in 2008

and decreases by 4.51% and reaches 22.01% in 2009. In 2010 the ratio

increases to 31.82%. This trend is also shown in following figures.

Figure No. 6: Fixed deposit and Total deposit

Figure No. 6.1: Fixed deposit to total deposit ratio

4.5. Investment to F.D. Ratio

Formulae Used: Investment to F.D. Ratio = investment/fixed

deposit*100%

Table No 7: Invest to fixed deposit ratio

(Rs. inmillion)

YearInvestment

FixedDeposit Ratio %

2006 6178.53 3450.2 179.082007 8945.31 5435.2 164.582008 9939.77 8464.09 117.43

2009 10826.37 8310.70 130.272010 13600.91 14711.16 92.45

Average ratio 136.77

Above table no: 7 shows the decreasing trend of investment to fixed

deposit ratio. In year 2006 investment was Rs. 6178.53 million and fixed

deposit was Rs. 3450.2 million and the ratio was 179.08 %. The ratio was

164.58%, 117.43%, 130.27%, and 92.45% in the year 2007, 2008, 2009 and

2010 respectively. The Invest to fixed deposit rate has increased in the year2009 reaching 130.27%. The average investment rate of Nabil bank is

136.77% of fixed deposit over the five years study period. This ratio is also

shown by following figures.

Figure No. 7: Invest and fixed deposit

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Figure No. 7.1: Invest to fixed deposit ratio

4.6. Cash Reserve Ratio

Nepal Rastra Bank controls the money supply & credit in the country in

order to stabilize the price and to meet different economic economics

condition of the country. Every commercial bank operating in Nepal should

maintain cash reserve as per the directive to NRB. The recent cash reserve

ratio provided by Nabil Bank are:

1. 4.5% of Fixed deposit

2. 7% of Demand Deposit

3. 3% of Total Deposit that must be cash in hand

Formula Used

Cash Reserve Ratio = (Cash & Bank Balance / Total Deposit) * 100%

Table No. 8: Cash reserve ratio

(Rs. In Million)

The above

table shows that the ratio of CRR of Nabil Bank in the year 2006, 2007, 2008,

30

Year Cash & Bank

Balance

Total Deposit CRR%

2006 630.24 19348.4 3.26%2007 1399.8 23342.4 6%2008 2671.14 31915.05 8.37%2009 3372.51 37348.25 9.02%2010 1400.09 46410.70 3.01%

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2009 and 2010 is 3.26%, 6%, 8.37%, 9.02% and 3.01% respectively. CRR is

increasing & decreasing in the different year. The main reason of fluctuation

of CRR in different year is due to the increasing & decreasing of Cash & Bank

Balance and Total Deposit & it is also affected by NRB

Figure No. 8: Cash reserve ratio

Figure No. 8.1: Cash reserve ratio

4.7 Interest Paid to different depositsInterest paid by Nabil bank to the different deposits in 2009 and 2010

are shown in the following table.

Table No. 9: Interest Paid to different deposits

(Rs in Million)

20

09

2010

Fixed Deposit 460.03 833.54Saving

Deposit

298.45 526.60

Call Deposit 303.18 499.40

Interest paid on fixed deposit, saving deposit and call deposit were Rs.

460.03 million, Rs. 298.45 million and Rs. 303.18 million in 2009 which

reached to Rs. 833.54 million, Rs. 526.60 million and Rs. 499.40 million in2010 respectively. Interests paid on deposits were increased in 2010 in

comparison to previous year. This interest expenditure is also shown in

following figure.

Figure No. 9: Interest Paid to different deposits

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)(..xDF

4.8. Statistical Analysis

Calculation of mean S.D., C.V. and Karl Pearsons Correlation

Coefficient between Fixed Deposit & Total Deposit

Table No. 10:Statistical Analysis

X=(

XX

) y=Y-

Y

2006 3450.2 19348.4 -897.54 805578.1 -1309.7

4

1715418.9

1175544

2007 5435.2 23342.4 1087.46 1182569.3

2684.26

7205251.7

2919025.4

2008 8464.09 31915.05 4116.35 16944337.3

11256.91

126718022.7

46337381.5

2009 8310.70 37348.25 236.43 55899.145675.2

932208916

.581341808.8

1

201014711.1

646410.70 6636.89

44048308.87

14737.74

217200980.3

97812759.23

Total40371.

35

158364.

8

7260473

1.13

4707614

70

17907592

8.50

4.8.1 Mean

Mean is the sum of all the observation or values divided by number of

observation or values. Mean is the arithmetic average of total observations

or values.

Average F.D.

n

XX =

)(

=40371.35/5 = Rs. 8074.27

Average T.D.

n

YY

=

)(

=158364.8/5 = Rs. 31672.96

32

_

2)( YY

2_

)( XX

)(_

xx )(_

YY

Yea)(..

Y

DT

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Therefore, the average (mean) of fixed deposit of Nabil Bank Ltd., for

last five year is Rs. 8074.27 million & the average (mean) of total deposit of

Nabil Bank Ltd. is Rs. 31672.96 million.

4.8.2 Standard Deviation

S.D. is defined as the positive square root of the mean of the square of

the deviations taken from the arithmetic mean. It measures the relative

majors of dispersions i.e. the value disperses from the respective mean. It is

denoted by

.

F.D. = {

nXX /)( 2

} = (72604731.13/5)

= 14520946.23

= Rs 3810.63

T.D. = {

nYY /)(2

} = (470761470/5)

= 94152294= Rs. 9703.21

Therefore the standard deviation of fixed deposit of Nabil Bank

Ltd. for the last five years is Rs. 2376.2 and the standard deviation of

total deposit of Nabil Bank Ltd. is Rs. 6565.6

4.8.3. Coefficient of Variance.

The coefficient of dispersion based on standard deviation

multiplied by 100 is known as the coefficient of variance (C.V). It is

independent unit.

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C.V. F.D. =

%100)/..(

XDF

=

%1008074.27

3810.63

= 47.19%

C.V. T.D. =

%100)/..(

YDT

=

%10031672.96

9703.21

= 30.63%

The Coefficient of Variance measures variability of the observation.

Which reference to above calculation there is uniformity in the changes of

total deposit as compared to fixed deposit because C.V. of total deposit is

less than the C.V. of fixed deposit.

4.8.4 Karl Pearsons Correlation Coefficient between FixedDeposit and Total Deposit

One of the widely used mathematical methods of calculating the

correlation coefficient between two or more variables is Karl Pearsons

Correlation Coefficient. It is also known as Pearsons Correlation

Coefficient. It is denoted byXY

Yor simply Y is defined by.

= xyY

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2x

2y

Value always has between

1

and

1+

.

1+

Denotes the perfect

positive correlation between the two variables &

1

denotes negative

correlation between the two namable

Y =

22

yx

xy

=

470761470372604731.150179075928.

=

12.2169084.8520

50179075928.

=

1.184818042

50179075928.

= 0.96The value of correlation shows the degree of relationship between two

or more and two variables. The positive correlation coefficient show the

positive relationship. Since, the correlation coffecient between F.D and T.D is

nearly 1, there is nearly perfect correlation between F.D. & T.D. of Nabil Bank

Ltd. This value implies if T.D. increases, F.D. also increases and vice versa.

4.8.5. Probable Error.

Its the measure of testing the reliability of the calculated value if Y.

.= 0.6745

( nr /1 2

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If Y

.,.6

it is significant in other case nothing can be

concluded.

.= 0.6745

( )nr /1 2= 0.6745

( 5/)96.0(1 2= 0.6745

( )24.2/96.0(1

= 0.6745

( )42.01

= 0.6745 0.58= 0.391

6

.. = 6 X 0.391 = 2.34

Since Y is < 6

.. i.e. 0.99< 2.34, the value of Y is insignificant.

4.8.6. Trend Analysis

The movement of the data over a long period is called trend. Trend

Analysis helps us to study the changes in the value of different variable with

the passage of time. This analysis is one of the important tools of financial

statement analysis in which the trend of any item contained in the financial

statement can be shown over the different period.

Least Square Method:

A widely & commonly used method to describe the trend is the method of

least square. Under this method, a trend line is fitted to the data satisfying

the following two conditions

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i.

= 0)( ycy&

ii.

2)( ycy

is least where y is the actual value & yc the

computed value of y. As

2)( ycy

is least, hence the

name method of least square. The line obtained by this

method is known as the line of best fit.

Let the trend line between the dependent variable y and the

independent variable x (i.e. time) be represented by

y = a + bx .(i)

Then for any given value of independent variable X, the

estimate value of Y is denoted by Yc given by above equation is

yc = a + bx,

Where,

a = y intercept or value of y when x = 0

b = slope of the trend line or amount of change that comes in y

for a unit change in x

Table No.11: Calculation of trend Value of Fixed Deposit.

Year (X) FixedDeposit (y)

x =X-2006 x2 xy

2006 3450.2 0 0 0

2007 5435.2 1 1 5435.2

2008 8464.1 2 4 16928.2

2009 8310.70 1 1 8310.70

2010 14711.16 2 4 29422.32

N=5 y =40371.36

x = 0

=2

x

10 xy=25397.42

Here, a =

ny /=

5

36.40371

= 8074.27

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b =

2/ xxy

=

10

42.25397

= 2539.74

Substituting the value at a & b in eqn

yc = a+bxyc= 8074.27+2539.74x

For trend values

When x =-2, yc = 8074.27+2539.74 (-2) =

2994.79

When x = -1, yc = 8074.27+2539.74 (-1) =

5507.53

When x = 0, yc = 8074.27+2539.74 0 =

8074.27

When x= 1, yc = 8074.27+2539.74 (1) =

10613.94

When x = 2, yc = 8074.27+2539.74 (2) =

13153.68

Figure No. 10:Trend Value of Fixed Deposit

The above figure shows that the trend of fixed deposit is increasing

every year.

Predicted Value of fixed deposit in year 2011

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yc = a + bx

= 8074.27+2539.74 (3)

= NRs. 15693.49 million

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CHAPTER V

SUMMARY, CONCLUSION & RECOMMONDATION

5.1 SUMMARY:Bank is an institution, which provides a financial services o the general

people. Simply bank is media to collect deposits from the general people and

provides them loans by charging a certain rate of interest bank is a

manufacture of credit machine for fascinating exchange. Today, bank plays

a vital role in the financial market top increase the volume of finance the

transactions in the financial market directly depended upon the banking

systems of the country. So the government must always careful in making ofbanking policies.

A fieldwork report has been under take to make a through study and

analysis on the performance of Nabil. This was established in 1984 A.D.,

which was the first commercial joint venture public bank in Nepal by issuing

30% share to general public shareholders. Later on it was collaborated with

Nabil bank international Ireland. The study is mainly based on the balance

sheet prepared by Nabil at the end of the fiscal year and necessary has beenunder take with concentration area of the study is only on fixed deposit.

Every commercial bank is compulsory required to maintain at least a certain

CRR of its total deposit to meet inactivated demand of cash from the clients

as per rules and regulation of NRB. Nabil has maintained 3.26% CRR of its

total deposit in average on the year 2006 which is increased to 9.02% in

year 2009. The CRR has dropped to 3.01% in year 2010. As per regulation of

NRB, there is a legal provision for a commercial bank to maintain its balance

with NRB at least 10% in average out of its total deposit.

The percentage of fixed deposit out of total deposit in the beginning year is

satisfactory which indicated the back inability to attract the general public

towards saving out of total deposit. This is due to inability of Nabil to create

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confidence among general public on its performance. However the ratio of

fixed deposit to total deposit is decreasing year by year which shows the

success of Nabil to attract more people towards fixed deposit and to create a

reputed image among general public in satisfactory. But at the year 2009

and 2010, the ratio of F.D and T.D decreases in the year 2009 reaching

22.01 from 26.52 in which again shows inability of Nabil to attract general

public towards fixed deposit out of total deposit. But again in 2010 the ration

of F.D and T.D increases to 31.82% resulting in attiring general public

towards fixed deposit by offering new schemes. This upward slope of trend

line of fixed deposit from the left to the right indicated that more people are

attracting in fixed deposit.

Nabil bank gives 10.5% interest on fixed deposit for depositing 1 year and

above. The data for this study analysis is taken from the annual publications

report of Nabil and some data from personnel interview with bank officials

and some personal view of Nabil were also referred to whenever required.

According to data presented in above chapter the picture became clear. It

shows that the fixed deposit is decreased only in the year 2009 and is

increased in rest year.

5.2 CONCLUSION

From the presentation and analysis of data relating to fixed deposit of Nabil a

clear picture emerges. The trend of general public to open fixed deposit

account with NABIL has been increasing in every years.

Therefore it shows that NABIL has a good and sound reputation among its

customers. The economy is going through recession these few years and

interest rate provided by all banks including NABIL to its deposit are

directly decreasing even that fixed deposit trend of NABIL doesnt seem to

be affected by this. It indicates that the customers have faith that their

deposit will be handled carefully by NABIL. The deposit isnt completely

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governed by returns on it only 23.3% of total deposit is one of the major

sources of funds for NABIL BANK LTD.

The analysis of data in previous chapter shows gradually increasing trend of

total deposit in passes of time, which is good sign of bank for its future. Fixed

deposit to total deposit ratio was increases gradually in year 2006, 2007 and

2008 then decreases in year 2009 which again increases in year 2010. From

previous chapter we know C.V. of Fixed deposit is higher than C.V. which

shows less uniformity of fixed deposit in comparision to total deposit. The

trend analysis of F.D is favorable.

From the data interpretations, fixed deposit facility of NABIL is doing

reasonably good and the return regarding it is also reasonable. The bank is

likely to increase its profit by increasing total deposit. From the deposit trend

of NABIL it shows that the customers are loyal to the bank. So, NABIL is

doing a good job regarding fixed deposit.

Maximum deposit isnt good economic policy for development of the country.

If deposits are invested in any kinds of productive sector, it moves the

country to economic development. Many people directly or indirectly

engaged on employment and it also increased the national productively. Inthis way we can say that Deposit is a kind of economic seeds for countries

but all deposits should not be seed for us. If all crops are used for seeds, we

will hungry when it doesnt give product. In 2010 Nabil bank invested 92.45

% of its fixed deposit. In average of 5 years it invested 136.79%of its fixed

deposit. That is why we can say that a suitable deposit is most important

equipment for the development of study deposit collection policy of every

kind of banking and financial institutions.

5.3 RECOMMENDATIONS

From the analysis done, it can be concluded that the bank was well

managed in the previous years. However, by learning from inefficiencies and

weakness, that the bank has managed to gain a position in the banking sector

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of the Nepal. Even though the bank is providing a handsome return today,

some recommendation might be helpful for the further enhancement of

profitability of the bank. So the bank may be suggested which can be pointed

as:

a) Since the liquidity ratios of the bank are fluctuating and not

satisfactory so the bank is suggested to keep the reasonable

amount of liquidity. The bank should maintain their short-term

solvency position.

b) Profitability position of NABIL Bank is comparatively better than the

other ratios. So I recommend the bank to use its resources for

generating more profit margins. If the resources are held idle, the

bank may face high costs and causes the low profit margin.

c) The investment to total deposit ratio of this bank is poor which

shows that the bank is utilizing its resources at a low level. So I

recommend the bank to increase its investment in productive

areas.

d) NABIL Bank should extend its contacts with different institutions to

increase its business transactions.

e) Reports of NABIL Bank show that it is not involved in social activitiesto much. Therefore, I suggest that NABIL Bank should involve itself

or contribute for such social programs to maintain favorable public

image.

BIBLIOGRAPHY

1. Amrit Kmar Maharjan , Report writing 2005

2. Annual Bulletin of Nepal Rastra Bank.

3. Website of Nabil Bank Ltd.4. Bajracharya, B.C. Business Statistics and Mathematics, (2058) 1st

edition, M.L. Publishers & Distributors, Kathmandu.

5. Bhandari, Dilli Raj, Principle and Practice of Banking and Insurance,

(2056) 1st edition, Asia Publication, Bagbazar, Kathmandu.

6. Eighteenth Annual Report Of Nabil Bank

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7. Oxford Dictionary Sixth Edition.

8. Vaidya, Shakespeare, Banking and Insurance Management, (1992) 2nd

Edition, Monitor Nepal.

9. Western J.Fred and Brigham E.F., Essentials of Managerial Finance,

9the Edition.

10.Smith, Keith V. (1973). State of the Art of Working Capital

Management, Financial Management New York.

11. Annual and Internal Report of Nabil Bank

Websites:

Nabil Bank : http://www.nabilbank.com

Banking history of Nepal : http://www.flixya.com

http://www.nabilbank.com/http://www.nabilbank.com/