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Banks Ratio Analysis

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CHAPTER - I INTRODUCTION

2.2 Background commercial bank various forms, receiving deposits of money, lend money and

A bank is a commercial or state institution that provides financial services, including issuing money
in

processing transactions and the creating of credit A commercial bank accepts deposits from customers and in turn makes loans, even in excess of the deposits; a process known as fractional-reserve banking. Some banks (called Banks of issue) issue banknotes as legal tender. Many banks offer ancillary financial services to make additional profit; for example, most banks also rent safe deposit boxes in their branches. In other words, Bank is a financial institution, which accepts deposits from the public and in turns advances loan by creating credit. Bank is a manufacturer, of credit and machine fix facilitying exchanges bank are those financial organization that offer credit;, saving and payment services and perform the widest range of financial function of any firm in the economy. A bank generates a profit from the differential between the level of interest it pays for deposits and other sources of funds, and the level of interest it charges in its lending activities. This difference is referred to as the spread between the cost of funds and the loan interest rate. According to US law Any kind of business offering deposits subject to withdrawal on demand and making loan of commercial or business nature is a bank. According to Geoffary Crowther, A banker is a dealer in debt in his own and other peoples; the banker business is them to take debt of other people to offer his own in exchange and thereby to credit money. The bankers business is to take the debts of other people to offer his own exchange, and thereby create money. G. Crowther. According to nature and function perform the bank are categories in to different types. There are different types of bank are Central Bank, Commercial Bank, Development Bank, joint Venture Bank and Cooperative Banks. Different types of banks are established for different function to be done. According to the function, perform by them it is categories in to different types. Central bank is the supreme bank in the

country. It keeps the monetary system stable in the country, provide loan to government, control all the banks and financial institution registered in central bank, and it issue notes and control credit of money. Commercial banks are established to improve peoples economic welfare and facility, provide loan to the commercial and industrial sector and to provide other banking sector in the country. In the context of English banking system the term joint stock bank and commercial bank are interchangeable. The joint venture bank, are those banks, which are established under joint investment with the foreign investor. The almost joint venture banks established in Nepal are commercial bank. 3.2 Definitions of commercial bank are as followings Commercial bank means a bank authorized to receive both demand and time deposits, to engage in trust services, to issue letter of credit, to rent time deposits boxes, and to provide similar services. Blacks laws Dictionary. Commercial Bank means a bank which operates currency exchanges transactions, accepts deposit, provide loans; perform dealings, relating to comers expert the banks which have been specified for cooperative, agricultural, industry of similar other specific objective. Commercial Bank Act 2031. In the context of Nepal, one of the developed sectors is banking sector. More investor is attracted in the banking sector for the investment. The only stock exchange of Nepal also shows the growth of financial sector. Banking sector plays leading role in Nepal stock Exchange (NEPSE). The fluctuation in the price of share in banking sector will bring fluctuation in overall NEPSE index. Simply bank can be defined as a financial institution, which provides a host of financial service beside taking deposits and making loan. Basically a bank is an institution whose principle operations are concerned with the accumulation of the
temporarily idle money of the general public for the purpose of advancing to other for expenditure. The origin of the word Bank is linked to Italian word Banko which means a Bench, Latin word Benkus Meaning a joint stock company, French word Banque meaning a bench and England word Bank. Bank of Venice in Italy in 1157, which is regarded as the first modem bank.

4.2 Development of Banking System The history of bank is too long in the ancient period the function of bank is performed by merchant, moneylender, and gold smith. Merchant used to exchange gold, silver and
valuable ornament. The receipt given by them are considering to be equivalent to amount exchange. Moneylenders provide loan to borrower in terms of written repayment note with extra amount. The goldsmith was the third ancestor of the modem banks. The goldsmith used to give receipts, which were known as a goldsmith note.

The history of banking developed from established of Case de Giorgio in Genoa in 1148. After that bath of Venice in 157, Bath of Barcelona in l40l. The modern banking started and takes rapid speed of forming and functioning from
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century. Bank of Manila, bank of

Florence and Bank of Amsterdam was established in Holland. Bank of Hamburg was established in Germany in 1610 and Bank of England was established in England. BANK OF BARSILONA BANK OF GENOA

1401 1407 1609 1694 1770

BANK OF AMSTERDAM
BANK OF ENGLAND

BANK OF HINDUSTAN

5.2 History and Development of Banking System in Nepal In Nepalese context the development of banking sector is not too long. In the era of the great hero King Pritivi Narayan Shaha the coin Mohar was used in his Name. In 1989 the Taksar the institution which used to issue coin was established. In ancient time there was practice of taking and giving of loan for purpose of trade and other various purposes. In 1933 BS Tejarat Adda Was established in the reign of King Ranodip Singh. The main purpose of the Adda was to provide loans to the government offices and the people against the deposit of gold and silver. It has also established its branches outside the Kathmandu valley. Nepal bank limited is the first bank of Nepal. It was established 1937 AD which marked the beginning of an era of formal banking in Nepal. Its initial authorized capital was 10 million rupees and issued capital was 25 lakes, Paid up capital was 8 lakes and 42 thousand rupees, Which was established under the Nepal Rastra Bank

Act 1956 (2012 BS). After that in 2000 (2058 BS) Nepal Rastra Bank Act has been revealed by parliament. There after government has established the Rastrya Banijaya Bank and Agriculture Development Bank in 1966 (2022 BS) and 1968 (2024 BS) respectively. Up to 1983, the development of banking sector in Nepal is not satisfactory, government give emphasis to new technology and capital transfer from the foreign - country. Thus some joint venture banks were established. The first joint venture bank was Nepal Arab Bank Limited (NABIL) in 1985 (2041BS). After that many commercial bank were established they are Nepal Investment Bank in 1985 (2042 BS), Standard Chartered Bank Limited in 1986 (2043 BS), Himal ayan Bank Limited in 1992 (2049BS), Nepal SBI Bank Limited in 1993 (2050BS), Nepal Bangladesh Bank Limited in 1994 (2051 BS), Everest Bank limited in 1994 (2051 BS), Bank of Kathmandu limited in l994(2O5IBS), Nepal Credit and Commerce Bath were established. Till the date there are 20 banks are in operation in Nepal including Agriculture Development Bank Limited. Citizen International bank and Global Bank Limited is the latest and youngest bank of Nepal. 6.2 Function of commercial Bank Commercial bank is directly related to the people and institution. The commercial banks are operating to gain profit although it helps to accelerate people and economic welfare and facility, to provide loan to industry and commerce and to provide banking service to the public and state. There are different functions performed by commercial bank some of the function are as given as followings. To Accept Deposit Accepting deposit is the main function of commercial bank. Mainly three kind of account are allows by the bank for accepting deposit. They are Current, Saving and Fixed Account. People and institution can deposit their money in any account as required. In current account interest is not given for deposits. To provide loan There are different kind of loan are provided by commercial bank like Business loan, home loan, education loan, vehicle loan and other different type of loan. Bank charges different interest rate for different type of loan.

To perform Agency function Another function of commercial bank is agency function, carries the works for its customer in the following ways. Transfer the money from one place to another. Payment of rent of the house premium of the insurance income tax etc on the behalf of the customer. General Utility Function A commercial bank discharges the function of general utility which are as following: Exchange of foreign currency. Issue of travelers cheque. Providing information and other services. To provide security for the valuables goods and documents by providing locker system and providing economic and professional advice. 7.2 Introduction of Everest bank Limited Everest bank limited (EBL) was establish in 1994 and stated its operations with a view and objective of extending professionalized and efficient banking service to various segment of the society. EBL joined hands with Punjab National Bank (PNB), India as its joint venture partner in 1997. PNB is the largest sector Bank of India having 110 years of banking history with more than 4600 branch office allover India and is known for its strong systems and procedures and a distinct work culture. Drawing its strength from its joint venture partner, EBL has been steadily growing in its size and operation ever since its inception and today it has establish itself as a leading private sector bank of the nation, reckoned as one of the fastest growing commercial bank of the country. The bank paid-up capital has increased to Rs 1,03,04,67,300.00 against the authorized capital of 1,25,00,00,000.00. The local Nepalese promoters hold 50% share in the banks equity while 20% of the equity is contributed by joint venture partner PNB whereas remaining 30% is held by the public.

The banks provides a wide range of banking facilities through a wide network of 41 branches covering all the 5 regions of the county and over more than 250 reputed correspondent banks across the global. All the branches are interconnected through anywhere branch banking services (ABBS) facility which enables its customers to do banking transitions from any of this branch in respective of their having account in the other branch. Being a pioneer in opening a representative office in New Delhi, India EBL has successfully taken another historical step in the banking history of the county. Its representative office facilities the remittance of Nepalese workers residing in India by opening accounts from the identified branches of Joint Venture Partner, Panjab National Bank, India and also attracts Indian remittance to Nepal. EBL is playing a pivotal role in arranging remittance of funds to and India through instant transfer facility in addition to the drafts thawing arrangement with 4600 branches of PNB allover India. The bank is also offering cash management system for managing the funds from India from 250 locations of India. EBL in order to help Nepalese citizens working abroad has entered into arrangements with banks and finance companies in different countries which enables quick remittance of funds by the Nepalese citizens in countries like UAE, Kuwait, Bahrain, Qatar, Saudi Arabia, Malaysia, Singapore and UK. Not to be left behind in technology advancement, a continuous review and upgrading of the technology is undertaken for the convenience of its customers. The bank has also introduced EBL Debit Card. The bank has more than 40 ATM machine all over the Nepal. The bank has tied up with Smart Choice Technology (SCT) for ATM. The banks also provide 365 banking services from New Road and New Baneshwor Branch. For providing banking services to remote area, the bank has introduced branchless banking services named FINO. Further, the bank has introduced the Bank on Wheel service from its Birtamod Branch. Considering latest technology development, the bank has recently launched Mobile Banking Facility and e-banking. For customer value added, the bank has offering utility bill payment services for NTC postpaid and prepaid mobile, UTL bill payment, QFX Cinema ticket booking, online ticket booking of Yeti airlines.

Recognizing the value of offering a complete range of services not only to corporate but also to individuals EBL has pioneered in the banking sectors in extending various customer friendly products like home loan, education loan, flexi loan, loan against future lease rentals and home equity loan ,car loan, loan against shares and loan against insurance policies etc. Serving the valued customers and the society for 16 years means knowing each other better, building relationship, bonding as partners in progress and will continue working with each other by meeting its customers expectations. Thus the outstanding performance and the commitment to customer satisfaction have earned us the reputation of being THE NAME YOU CAN BANK UPON. 8.2 Board of Directors 1) Mr. B.K. Shrestha Chairman 2) Mr. Ved Krishna Shrestha Director 3) Mr. Arun Man Sherchan Director 4) Mr. Dr. Hal Gopal baidhya Director 5) Mr. B.L Gupta Director 6) Mr. P.K. Mahapatra Director (CEO) 7) Mr. Muskan Shrestha Director 8) Mr. Shiv Saran K.C Director 1.8 Objective of Fieldwork The main objectives of the study study are listed as followings: Getting Information about deposit condition of EBL To know about the saving scheme of EBL 1.9 Methodology used While conducting this report d4ta.and other information collection it by methods. Interview method While preparing this report I used interview method. I communicated orally and got information from the Branch Manager of Bhairahawa Branch of Mr. Surendra Nath Shanna, Credit Officer Mr. Nabin Regmi and Operation Officer Mr. Biswa Raj Shakya. They help me and cooperate with me. They provided all necessary date & other valuable suggestions for this report. By the internship period I knew the added facility of this bank & difference between
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other banks. I got many information about the saving plan in which I have prepared this report. Field observation report In the duration of writing this report, I observed different department & sections to gain different information & facts, transaction activities& operation methods of different department & unit. 1.10 Scheme of Everest Bank Limited

Organization has a two scheme i) Deposit scheme ii) Loan scheme Under this scheme customer of Everest Bank Limited can deposit their money safely with certain rate of interest. Everest Bank Limited provided different saving scheme to the customer according to their need and requirements. Different types of available saving scheme are shown below. a) Fixed deposit b) Saving deposit c) Call deposit a) Fixed deposit. Under fixed deposit scheme customer can save their money for a fixed period of time. Maturity period available for the customer is range from 1 month to 3 years. The minimum balance required to open such account is Rs 1000. Customer has to deposit lump sum amount for this account and they will get return principle and declared interest after the maturity period. Maturity period and available interest rate are shown below. FIXED DEPOSIT SCHEME Fixed Deposit 1 month to less than 3 months 3 months to less than 6 months 6 months to less than a year A year to 3 year Special fixed deposit 6 months to a year Interest Rate 7% p.a 8.25% p.a 10% p.a 10.5% p.a 11% p.a Minimum balance 100000 Reference Minimum balance 1000 Minimum balance 1000 Minimum balance 1000 i) Deposit scheme

b) Saving deposit EBL saving account is a deposit account held at a bank maintained by a customer for the purpose of accumulating finds over a period of time while earning an interest. The purpose for this account is to be kept on deposit for a minimum length of time, while others permit unlimited access to funds. Saving account can be opened in NPR and for the Nepalese citizen and USD for foreign citizens with valid password and job appointment letter. Nepalese citizen who have foreign currency source of income they can open foreign currency
account. Interest rate is calculated on Daily Closing balance and payable .on quarterly basis. The main objective of such saving is to encourage and mobilize small and scattered money. There is various kind of scheme under this deposit which is listed below. i) Normal saving Deposit ii) Special saving Deposit:

Super Saving Saving Premium Remit Saving Student Saving account Everest Narri Bachat Everest Baal Bachat i) Normal Saving Account
This account is specially design for those customers who have to maintain regular saving and to those who wants to save small amount in a regular time basis. They can save money in such account at any time during office hour of the organization. Saving can be made daily, weekly, monthly or in a lump sum basis. In daily saving customer gets 3% interest compounding daily balance. Minimum amount required to open such account is Rs 500. EBL saving A/c holder can enjoy the following benefits.

Free cheque Book Free statement on demand Unlimited Withdrawn Evening counter facility 365 days banking

Pay bill Facility I banking Facility ii) Special Saving Deposits


Any customer can open this account with as per various minimum balance determine by the bank. The customer can deposit their money in regular basis like daily, monthly, or in lump sum basis. And withdrawn can be made with cheque. The bank is providing 6 - 6.75% interest in this account. It is rare to find interest rate in such kind of account. Special saving deposit includes the following deposit, which is explaining below.

a) Super Saving
Any customer can open this account minimum balance of Rs 1,00,000.00 The account holder can get the better interest rate i.e. 6.5% which is greater than the rate of normal saving account. The super saving account holder enjoys the following facilities with Everest bank ltd.

Free cheque Book Free statement on demand Unlimited Withdrawn Evening counter facility 365 days banking Pay bill Facility I banking Facility Free ATM card 50% discounts annual locker charge. Free any branch banking system b) Saving Premium
Any customer can open this account but the minimum balance of this account inside valley branch Rs 1,00,000.00 and outside the valley is Rs 50,000.00 The account holder can get the 6% interest with said account. The saving premium account holder enjoys the following facilities with Everest bank ltd.

Free cheque Book Free statement on demand Unlimited Withdrawn

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Evening counter facility 365 days banking Pay bill Facility I banking Facility Free ATM card 50% discounts annual locker charge Free any branch banking system Additional benefits. Issuance of Everest Bank Saving Premium Card. Exclusive Service for the Saving Fund Premium accounts holder. No commission on Demand Draft up to Nrs. 1 lac in a month. No Security deposit for locker facility. For small lockers 50% discount and if it is not available 15% discount on other lockers. Personal Accidental Death Insurance for Rs. 3 lac. c) Remit Saving With the inception of carrying out remittance activities, the bank joined hands with various exchange companies especially in the Middle East due to higher concentration of Nepalese in these areas. Identifying the ever increasing volume of remittance from the Middle East and equally prospering informal channels of remitting hinds known as Hundi, EBL felt the need to take initiative to bring remittance in to the official fold. With the aim EBL developed its own web-based remittance product known as Everest Remit and officially launched the same from UAE on 25th July 2006. Currently EBE receives remittance payment from different Exchanges house covering countries such as UAE, Quarter, Bahrain, Malaysia and UK. From above exchange house the customers can open the Remit saving account with minimum balance of Rs 200. The remit saving account holder able the withdrawn the deposited amount after coming the concern branch or give debit authority to

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relatives. The remit saving account holder enjoys the following facilities with Everest Bank limited. Free cheque Book Free statement on demand Unlimited Withdrawn Evening counter facility 365 days banking Pay bill Facility I banking Facility ATM Card ABBS facilities d) Student Saving Account
Over 30% of the population in Nepal is youngsters and most of them are student. This product is target to the college and university student. The minimum balance of this account is Rs 100. The student account holder enjoys the following facilities with Everest bank ltd.

Free cheque Book Free statement on demand Unlimited Withdrawn Evening counter facility 365 days banking Pay bill Facility I banking Facility ATM Card free ABBS facilities e) Everest Naari Bachat
With the objective to encourage the small saving of women household and professions the bank has introduced Naari Bachat Khata, where the customer can make small saving and get the higher interest rate. The minimum balance of this account is Rs 5,000.00 inside valley and Rs. 2500.00 outside valley. The facility offer in this account is as under

Interest Rate: 6.75% p.a (Daily Balance Basis) Issuance and renewal of Debit Card at NPR 50/ Issuance of Free Cheque Book

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Pay Bill Registration Facility 25% discount on Annual locker rent (Small Locker Only) e-Banking (Internet Banking) service facility Free cheque Book Free statement on demand Unlimited Withdrawn Evening counter facility 365 days banking f) Everest Bal Bachat With the objective to make the children future secure, EBL introduce Baal Bachat Kbata where the parents! Guardian makes the saving in their children name and the bank pays higher interest on this account. The minimum balance of this account is Rs 5000.00 inside valley and Rs, 2500.00 outside valley. The facility offer in this account is as under Interest Rate: 6.75% p.a (Daily Balance Basis) Issuance and renewal of Debit Card at NPR 50/ Issuance of Free Cheque Book Pay Bill Registration Facility 25% discount on Annual locker rent (Small Locker Only) e-Banking (Internet Banking) service facility Free cheque Book Free statement on demand Unlimited Withdrawn Evening counter facility 365 days banking g) Call deposit In deposit terminology the term call deposit refers to a specific type of interest bearing investment account that allows a person to withdraw their money from the account without penalty. In many cases the money can be withdrawn from call deposit account without prior notification to the bank.

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A call deposit account holder allows the holder instant access to their account and the ability to withdrawn their money at any time without having to pay an early withdrawn penalty or inform the bank in advance of their intention to withdraw their funds. A person a call deposit account besides earning a favorable rate of interest also has considerably more access to their money than people with their money invested in other types of account. This kind of account can be open by those customers who want to maintain regular deposit and large amount. Saving can be made in daily, monthly or in lump sum basis. The bank is providing annual interest rate range between 7% to 10% according which is greater than the rate of saving account. iii) Loan scheme This scheme is provided to those members or customer who wants loan for different economic, education, agriculture, social and business purposes. Bank charges certain interest in such kind of loan. And this depends upon the nature of the loan. Bank has many varieties of loans for customer according to their requirement. Only customer of company can take a loan from the Bank also provides different suggestions guidance to the member for their financial planning. Type of loan Working capital short term loan Trust receipt Loan Home loan Vehicle Loan Education Loan Education loan Loan against share 1.11 Interest rate 1 l% - 15% 11% - 15% 12% - 15.5% 11% - 14% 14% 16% 15%

Limitation of the Study

For the BBS 3 rd year program these studies represent the partial fulfillment and the report, which has to conducted and submitted within the certain time limit. It has some limitation some are as following. This study basically depends on secondary data. The annual report published by the bank is major data used for this analysis in this study.

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This study is limited to data of three years period. The time duration of course is too short. It is quite vast and needs big investigation and research which is impossible with in short period. Due to matter of secret disclosing in the staff could not help us any further information beyond these.

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CHAPTER II PRESENTATIONS AND ANALYSIS OF DATA


2.1 Presentation and Analysis of Fixed Deposit
Table 2.1 Year wise Fixed Deposit Position Year 2064/065 2065/066 2066/067 Amount 7049978230.00 15061938201.00 13007478505.00 Fig. 2.1 Year wise Fixed Deposit Position

Fixed Deposit
16,000,000,000.00 14,000,000,000.00 12,000,000,000.00 10,000,000,000.00 8,000,000,000.00 6,000,000,000.00 4,000,000,000.00 2,000,000,000.00 2064/065 2065/066 2066/067 Fixed Deposit

Analysis We can clearly see that the fixed deposit trend is increasing year by year. A person that means this scheme is attracting more and more customers. Since their participation in this scheme is in increasing trend. Fixed deposit during year 065/066 has been increased by 9.37% and fixed deposit has increased by 19.33% in financial year 066/067. 2.2 Presentation and Analysis of Saving Deposit Table 2.2 Year wise Saving Deposit Position Year 2065/066 2066/067 2067/068 Amount 11883857171.00 13039108920.00 17269289330.00

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Fig. 2.2 Year wise Saving Deposit Position

Fixed Deposit
16,000,000,000.00 14,000,000,000.00 12,000,000,000.00 10,000,000,000.00 8,000,000,000.00 6,000,000,000.00 4,000,000,000.00 2,000,000,000.00 2064/065 2065/066 2066/067 Fixed Deposit

Analysis We can clearly see that money in saving deposit of the company is volatile. We can see that saving Deposit from 2066/067 is increased by 24.39% and in financial year 2067/068, it was decreased by 9.62% due to the competition in banking sectors. 2.3 Presentation and Analysis of Call Deposit Table 2.3 Year wise Call Deposit Position Year 2065/066 2066/067 2067/068 Amount 2780647781.00 7550045393.00 12952163592.00 Fig. 2.3 Year wise Call Deposit Position

Fixed Deposit
16,000,000,000.00 14,000,000,000.00 12,000,000,000.00 10,000,000,000.00 8,000,000,000.00 6,000,000,000.00 4,000,000,000.00 2,000,000,000.00 2064/065 2065/066 2066/067 Fixed Deposit

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Analysis The above chart and table clearly shows us how the call deposit scheme is attracting the customer in the organization. Deposit in this account has been increased by 126.35% during year 066/067 and during year 067/068, deposit has been increased by 33.66% than previous year.

2.4 Presentation and Analysis of overall Deposit Scheme Table 2.4: Amount of deposit collected in three different years Deposit Fixed deposit Saving deposit Call deposit 2065/066 6446181289.00 11883857171.00 2780647781.00 2066/067 15061938201.00 13039108920.00 7550045393.00 2067/068 13007478505.00 17269289330.00 12952163592.00

Fig. 2.4: Amount of deposit collected in three different years


20,000,000,000.00 18,000,000,000.00 16,000,000,000.00 14,000,000,000.00 12,000,000,000.00 10,000,000,000.00 8,000,000,000.00 6,000,000,000.00 4,000,000,000.00 2,000,000,000.00 0.00 2065/066 2066/067 2067/068 Fixed deposit Saving deposit Call deposit

2.5 Study Result After Studying about the topic we can say that BANKING BUSINEESS has been growing BUT THE COMPETETION IS ALSO HIGH IN MARKET. And after studying the saving scheme of this organization I come to the following conclusion. The bank is offering various deposit schemes for attracting deposit from various segment of society. Deposit has been good in overall aspects. It has been seen that saving in all scheme is not in parallel. During studied period, the fixed deposit of the bank was increasing year by year and it was due to offering higher interest rate.

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During studied period, the saving deposit of the bank was increased in 2066/067. However; it was decreased in 2068/069 due to high competition in
banking market and entry of other financial player.

Saving in call deposit has been increasing trend but in recent years the growth rate was decreased to 33.66% from 126.35%. Best scheme for organization is saving deposit because this scheme is low cost for the organization.

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CHAPTER - III SUMMARY, CONCLUSION AND RECOMMENDATION


3.1 Summary

& Conclusion

The Everest bank limited has head office is Katmandu city but is covered the all f region of all over the Nepal. It has been performing qualitative work from its starting period. It has succeeded to develop its financial transaction and awarding the people business man about the importance of saving. It has developed the utility of skills and knowledge for those who have the skill and honesty by providing loan in a favorable rate of interest. It has also provided employment opportunity to more the 650 person directly, to do its transaction. It has helped its customer for saving, by provoking different kinds of saving scheme with an attractive interest rate. Between bank and financial institution it has established its own premises and good will. All the scheme of this organization is attracting and motivating customer for saving. Everest bank limited has succeeded to gather people from all the classes and level of the society. In present, almost bank and financial companies are unable to reach the financial sector of the small merchants and lower class in all over the Nepal. In this situation this bank has taken policy to reach and give financial services to the people of those classes and level in all over the nation and different types of programs have been introduced to solve such problems. Over all, saving priority given by this organization is appreciable. Its scheme is not sufficient to collect all the scattered money in its area. Organization has to come with other attractive scheme in recent future. 3.2 Recommendation The Study discloses some weakness of Everest Bank Ltd. therefore the following recommendation are submitted. i) ii) The bank should increase the interest rate in saving deposit to attract and to inspire the customers to save theft find. Likewise other joint venture commercial bank, the main concentration of Everest Bank Ltd. is limited to Kathmandu Valley and major cities like Biratnagar, Birgunj and Butwal. However the major parts of Nepalese people are livings in village or where they are highly exploited by Sahu and Mahajans by manipulating principal amount the overall economic development of the country is almost impossible until and unless the

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programmers are matched with those people requirement. Therefore it is suggested to them to expand its branches in rural areas for the economic enlistment of poor people who live in villages. iii) Though Everest Bank is formulating different new schemes but it is similar to many other banks. Therefore it is recommended to them to formulate new schemes which are unique & profitable for the customer. 4. Being a part of society, it has a great responsibility in the social development; therefore it is recommended to Everest Bank Ltd. To participate in social events such as in education, health programmed and environment protection etc. iv) Everest Bank is charging Anywhere Branch Banking Services (ABB 5) commission to its customer which may distract the customer. Therefore it is recommended to them not to take the service charge from the customer.

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Bibliography
Bajracharya, B.C. (2061). Business Statistics.: M.K. Publishers & Distributors, Kathmandu. Dhital, Shristi. (2011). Deposit Scheme of Everest Bank Limited. Unpublished Bachelor Reports, Tribhuvan University, Buddha Jyoti College. Everest Bank Limited (2063/064-2068/069) Annual Report Bhairahawa, Everest Bank Limited Faculty of Management (2009). BBS: Courses of Study: Office of the Dean, Faculty of Management, Tribhuvan University, Kathmandu. Pant P.R. (2009), Social Science research & thesis writing (5th Ed): Buddha Academic Enterprises, Kathmandu. Paudel, B.R. Baral, J.K., Gautam, RAt & Rana, B.S. (2009). Corporate Finance (5th ed.): Asmita Publications, Katbmandu. Pradhan Radhe S. (2003). Research in Nepalese Finance: Buddha Academic Publishers & Distributors Pvt. Ltd., Kathmandu. Pradhan Surendra (1992). Basis of Financial Management: Educational Enterprises Pvt. Ltd, Katbmandu. Shrestha, M.K. Bhandari, D.B. (2007). Financial Markets & Institutions; Asniita Publication, Kathmandu. Thapa, K. (2007). Fundamentals of investment (5th ed): Asmita Books Publication, Kathmandu.

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