DEPOSIT COLLECTION OF NEPAL SBI BANK LIMITED

A Project Work Report

By

Muna Ghimire

T.U Regd. No: 7-2-50-1007-2017

Exam Roll No: 700500024

Butwal multiple campus

Submitted to

The Faculty of Management

Tribhuvan University

Kathmandu

In Partial Fulfillment of the Requirements for the Degree of

BACHLOR OF BUSINESS STUDIES (BBS)

Butwal

Magh, 2078

i
 Declaration

I hereby declare that the project work entitled DIPOSIT COLLECTION OF NEPAL
SBI BANK LIMITED Submitted to the Faculty of Management, Tribhuvan University,
Kathmandu is a original piece of work under the supervision of Prof. Dr. Tara Prasad
Upadhyaya, faculty member, Butwal Multiple Campus, Butwal, and is submitted in a
partial fulfillment of the requirements for the degree of Bachelor of Business Studies
(BBS). This project work report has not submitted to any other university of institution
for the award of any degree or diploma.

Signature:

Name of Student: Muna Ghimire

Date: 2078-10-25

ii
 Supervisor’s Recommendation

The project work report entitled DIPOSIT COLLECTION OF NEPAL SBI BANK
LIMITED submitted by Muna Ghimire of Butwal Multiple Campus, Butwal, is
prepared under my supervision as per the procedure and format requirements laid by the
Faculty of Management, Tribhuvan University, as partial fulfillment of the requirements
for the degree of Bachelor of Business Studies (BBS). I, therefore, recommended the
project work report for evaluation.

Signature:

Name Of Supervisor: Mr.Lal Bahadur Pun

Date: 2078-10-25

iii
 Endorsement

We hereby endorse the project work report entitled DIPOSIT COLLECTION OF

NEPAL SBI BANK submitted by Muna Ghimire of Butwal Multiple Campus, Butwal,
as partial fulfillment of the requirements for the degree of Bachelor of Business Studies
(BBS) for external evaluation.

Signature: Signature:

Signature:

Name : Lal Bahadur Pun Name: Dr. Khimananda Neupane

Supervisor’s Campus Chief

Date: 2078-10-25 Date: 2078-10-25

 iv

Acknowledgement

Working on this project on DIPOSIT COLLECTION OF NEPAL SBI BANK

LIMITED was avast source of knowledge to me.

I would like to express my sincere gratitude to my supervisor for her

patience, guidance, and valuable support throughout the course of project.

I would like to special thanks to Branch Manager of Nepal SBI Bank Limited Butwal
of to give information of his bank which information support to work on this project.

Also, I acknowledge with a deep sense of gratitude, the encouragement and

inspiration received from faculty members and teachers of This project would not
have been accomplished, had I not received the profound support of my friends and
other.

Signature:

Name of Student: Muna Ghimire

Date: 2078-10-25
 v

TABLE OF CONTENTS
Title Page i

Declaration ii

Supervisor’s Recommendation iii

Endorsement iv

Acknowledgement v

Table of Contents vi

List of Table viii

List of Figures ix

Abbreviations x

CHAPTER I: INTRODUCTION

1.1 Background 1

1.2 Profile of Organization 2

1.3 Objectives 3

1.4 Rational 3

1.5 Literature Review 3

1.6 Methods 5

1.7 Limitations 6

CHAPTER II: RESULTS AND ANALYSIS

2.1 Data Presentation & Findings 7

19

CHAPTER III: SUMMARY AND CANCLUSION

3.1 Summary 15

3.2 Conclusion 15

BIBLIOGRAPHY

Vi

LIST OF TABLES

Table No. Title of the Tables Page No

2.1 Deposit of NSBL from F/Y 2073/74 to 2077/78 7

2.2 Total Deposit of NSBL 8

2.3 Percentage of Deposit from the F/Y 2073/74 to 2077/78 9

2.4 Deposit to Total Capital Ratio in Different Fiscal Year 13

 vii

LIST OF FIGURES

Figure No. Title of the Figures Page No.

2.1 Deposit of NSBL from 2073/74 to 2077/78 7

2.2 Trend Line of Total Deposit in Different Fiscal Year 9

2.3 Pie Chart of Deposit in F/Y 2073/74 10

2.4 Pie Chart of Deposit in F/Y 2074/75 10

2.5 Pie Chart of Deposit in F/Y 2075/76 11

2.6 Pie Chart of Deposit in F/Y 2076/77 11

2.7 Pie Chart of Deposit in F/Y 2077/78 12

2.8 Trend Line of Deposit to Total Capital Ratio 13

 viii

ABBREVIATIONS

B.S. : Bikram Sambat

BBS : Bachelor of Business Studies

Eq. : Equation

Etc. : Etcetera

Fig. : Figure

i.e. : That is

No. : Number

NSBL : Nepal SBI Bank Limited

Regd. No. : Registration Number

Rs. : Rupees
 % : Percentage

& : And

ix

CHAPTER – I

INTRODUCTION

1.1Background of the Study

Deposit collection is one of the importance functions of the commercial banks.

Without deposit the banks cannot operate smoothly. So, it clear that the growth and
development of commercial banks depends upon its deposit collection. Basically
commercial bank accept the deposit in the two forms such as no interest bearing and
interest bearing deposit. The bank most provide cash to the customer whenever funds
are withdrawn if not with drawn banks will typically use the funds as investment or
loans a with drawl. So it is clear that deposit collection is the primary function of
financial institution.

Deposit collection is one of collection deposit of two forms such as interest

bearing & non-interest bearing deposits. Interest bearing deposits are saving deposits,
fixed deposits, and call deposits. Daily deposits etc. & non-interest bearing deposit
include deposit. Financial institutions collect deposits in different account & invests that
collected deposits in highly returnable sector, loan etc.

Hence, we can conclude that deposit analysis is one of the specific area for this research.
In this research, researcher will collect different data from the Nepal Express Finance
related to the Deposit. After collecting those entire data researcher would analysis the
trend of deposit in different fiscal year, evaluate the proportion of deposit etc.

Banks receive money from the public by way of deposits. The types of deposits
usually received by the bank are demand deposit, saving deposit, fixed deposit, other
deposit etc. Demand deposit is also called current deposit. Depositor at any demand can
withdraw demand deposits by cheque. Saving deposit amount is meant for individuals
who wish to deposit small amounts out of their current income. A saving a/c can be
opened with or without cheque book repayable after the expiry of specified period.
Fixed deposit are most useful for a commercial bank. Banks have introduces other
deposit schemes to attract deposits from different types of people like home construction
deposit scheme, sickness benefit deposit scheme, children gift plan, old age pension
scheme etc.

The development of the country is linked with the economic development of

that country. Economic development is concerned with banking system. A great amount

of capital needs to be utilized for the economic development. It is possible to utilize a

great amount of capital only with the medium of bank. The development of banking
system is backbone of economic development. In past, the main objective of the bank
was just accepting deposits from the surplus units and gives loans to the deficit units.
The main objectives of the modern bank are collection of amount from public in a
saving and providing short-term loan to the ones in need. The development of country’s
economy is impossible without expansions of banking function in both rural and urban
of the country.

1.2Profile of the Organization

Nepal SBI Bank Ltd. (NSBL) is a subsidiary of State Bank of India (SBI) having
55 percent of ownership. The local partner viz. Employee Provident Fund holds 15%
equity and General Public 30%. In terms of the Technical Services Agreement between
SBI and the NSBL, the former provides management support to the bank through its
expatriate officers including Managing Director who is also the CEO of the Bank.
Central Management Committee (CENMAC), consisting of the Managing Director &
CEO, Chief Operating Officer & Dy. CEO, Chief Financial Officer, Chief Risk Officer
and Chief Credit Officer, exercises overall control functions with the help of 3 Regional
Officers, and oversee the overall operations of the Bank.

NSBL was established in July 1993 and has emerged as one of the leading banks of
NEPAL, with 840 skilled and dedicate Nepalese employees working in 69 branches, 7
extension counters, 3 Regional Offices and Corporate office. With presence in 36
districts in Nepal, the Bank is providing value added services to its customers through
its wide network of 107 ATMs, internet banking, mobile wallet, SMS banking, IRCTC
Ticket Online Booking facility, etc. NSBL is one of the fastest growing Commercial
Banks of Nepal with more than 6.22 lakhs satisfied deposit customers and over 4.80
lakhs ATM/Debit cardholders. The Bank enjoys leading position in the country in terms
of penetration of technology products, viz. Mobile Banking, Internet Banking and Card
Services. The Bank is moving ahead in the Nepalese Banking Industry with significant
growth in Net Profit with very nominal NPA. As of 31 st Ashad,2074, the Bank has
deposits of Rs.81.66 billion and advance (net) of Rs.63.02 billion, besides investment
portfolio of Rs.21.01billion.

State bank of India (SBI), with a 210 year history, is the largest commercial Bank in
India in terms of assets, deposits, profits, branches, customers and employees. The
Government of India is the majority stakeholder and has controlling stake in SBI, a
“Fortune 500” entity.

Our parent State Bank of India has an extensive network, with over 24,000 branches in
India and another 198 foreign offices in 37 countries across the world.

1.3 Objectives

Deposit covers the wide area in the banks. The major objective of this study are listed
below.

 To identify the different types of deposit.

 To analyze the trend of total deposit in different fiscal year.
 To evaluate the proportion of deposit on total capital.

1.4 Rational

In this study researcher have found some significance, the main advantage and
important of the fieldwork study are as follows:

 It explains about the deposit condition of this Bank.

 One can have practical knowledge about concerned topic.
  Fieldwork study help to know about problem and different concerned helps to
find out solution.
 We can develop self confidence in over concerned topic of field work study can
have important secondary data from this report.

1.5 Literature Review

Conceptual Review

Conceptual review is the descriptive analysis of specific topics which is related

with only that topic and gives more essential information on for preparing this field
work report. The researcher use different books and ideas which helps to presents clean
objectives of the study.

Review of Previous works

There are various literature sources belong to topic are reviewed for idea generation they
are as follows.

Wikipedia (1992) A deposit account is a current account at a banking

institution that allows money to be deposited and with drawn by the account holder,
with transactions & resulting balance being recorded on pay the customer interest on the
fund deposited.

As the clause banking and financial institution act 2063. The account which
records transaction of such deposited for certain fixed time is known as deposit account.

As explained by Pradhan (2066), fixed deposit analysis of NCC bank her objective
was to analysis the different types of deposit . She founds that the bank accept the
deposit in different 5 types of account. Among them fixed deposit contribution is
highest.

Bashyal Tara Prasad (2067) has study the same to topic that deposit utilization of
Everest Bank Limited, with the objectives of analyze the composition of the total
deposit of the deposit of the EBL. He found that the fixed deposit is the main sources of
the total deposit.

Gyawali, S. (2069) study on deposit analysis of Nepal SBI Bank, Butwal with an
objective of identification of different types of deposit and found that the co-operative
position correlation between deposit amount profits.
 Wikipedia the free encyclopedia explain that- A time deposit is a money deposit at
a banking institution that cannot be withdrawn for a certain term or period of time, when
the term is over it can be with drawn or it can be hold for another term, generally
speaking the longer the term better the yield on the money. A certificate of deposit is a
time deposit product.

General public, businessman deposit the idle money left with them in banks to earn
interest on the idle money & for safety purpose. The amount which bank receives as
deposit is the main sources of bank. Just a manufacturing company can’t operate
without raw materials; a bank can’t operate without collection of deposit. Deposits are
the main sources for all main sources of raising capital.

1.6 Methods

1.6.1 Types of Research

While preparing this report both is qualitative and quantitative data used which
are collection from primary data. To analyze sales analysis, researcher was being used
quantitative data.

Research method is a master plan, regarding the method and procedure of

investigation. Analytical and descriptive research design is used to invest the research
objectives.

1.6.3 Population and Sample

The population refers to the industries of the same nature and it services and
product in general. Thus, the total Commercial Banks constitutes the population of the
data and the bank under study constitutes the sample for the study. So, from the
population of 27 Commercial Banks operating in Nepal. Nepal SBI Bank Limited has
been from sampling random method selected as the sample for the study.

1.6.5 Instruments

The data itself cannot give the result or conclusion. To reach in conclusion, the data
must be analyzed by different tools. The researcher will be use different types of tools
that help to reach the conclusion. The data analysis tools that researcher used are:

o Graphic Method
o Tabulation

1.6.6 Data Presentation and Analysis Tools

Data collection from various sources and method can not Be measurable and meaningful
without its appropriate presentation and analysis. This study uses the following tools
data presentation and analysis.

 Tables
 Bar-diagrams/Multiple Bar-Diagrams
 Pie- chart
 Trend line
 Percentage
 Correlation

While preparing this report, many research variables are used such as fixed, saving,
demand, other, proportion, correlation while variable are used to explore this
organization deposit analysis.

1.7 Limitation of the study

While preparing this report the study is based on the following limitation:

 The data is based on the fiscal year 2071/072 to 2075/76 of the firm.
 This bank have many branches but it is prepared only by considering Butwal
Branch.
 Only simple statistical tools are used.
 The study only focus on the deposit sector of Nepal SBI Bank.
 CHAPTER II
RESULTS AND FINDINGS

In this chapter collected data has been presented in tabular & graphical from. In this
section data presentation analysis, where the gathered data are presented in an effective
way through the tools like graph, etc. to make an analyze on the selected filed topic in
detail data were collected have been presented in the table and depicted in charts and
later that we have been analyze in an effective way.

2.1.1 Analysis of Amount of Individual Deposit in Different Fiscal Year

Table No.2.1

Deposit of NSBL from F/Y 2073/074 to 2077/78

Fiscal year Fixed Saving Demand Other Total

2073/74 13,542,756 26,539,487 12,027,653 7,356,778 59,466,674
2074/75 29,356,921 48,457,689 18,756,143 10,975,406 107,546,159
2075/76 36,718,499 68,928,986 22,467,359 17,304,057 145,418,901
2076/77 40,502,249 102,807,242 36,818,407 20,080,948 200,208,846
2077/78 41,734,992 148,420,905 54,081,035 24,155,301 268,392,233

Source: Annual Report of NSBL 2073-78

The above table no. 2.1 shows the amount of deposit in different types of deposit
account. This table shows that NSBL collect the deposit in four different accounts such
as fixed deposit, saving deposit, demand deposit and other deposit. In the fiscal year
2073/074 bank collect the total deposit of Rs.59466674, in fiscal year 2074/75 bank
collect total deposit of Rs.107546159, collect the total deposit of Rs.145419801,
Rs.200208846 & Rs.268392233 respectively.

The above table of deposit an be shown by multiple bar diagrams. The

multiple bar diagrams for presenting the above data are as follows:

160,000,000.00

140,000,000.00

120,000,000.00

100,000,000.00
Fixed
80,000,000.00 Saving
Demand
60,000,000.00 Other

40,000,000.00

20,000,000.00

-
2073/74 2074/75 2075/76 2076/77 2077/78

Fig. No.2.1

Deposit of NSBL from 2073/074 to 2077/78

The above fig.no. 2.1 shows x-axis represents the fiscal year & y-axis represents the
amount of deposit. According to the above multiple bar diagram saving deposit is high
in all fiscal year (i.e. 2073/74 to 2077/78) & in the fiscal year 2077/78 saving deposit is
higher than that of other fiscal year.

2.1.2 Amount of Total Deposited Collected in Different Fiscal Year

Table No.2.2

Total Deposit of NSBL

Fiscal Year Total Deposit

2073/74 59,466,674
2074/75 107,546,159
2075/76 145,418,901
2076/77 200,208,846
2077/78 268,392,233

Source: Annual Report of NSBL 2073-78

In the table no.2.2 shows the amount of total deposit in different fiscal year. This table
shows that NSBL collect the total deposit Rs. 59466674 in the fiscal year 2073/74,
Rs.105746159, Rs.145419801, Rs.200208846, Rs.268392233 in the fiscal year
2074/75,2075/76,2076/77 and 2077/78 respectively.

The above table can be shown in the trend line as below:

 Amount
300,000,000.00

250,000,000.00

200,000,000.00
Amount
150,000,000.00

100,000,000.00

50,000,000.00

-
2073/74 2074/75 2075/76 2076/77 2077/78

Fig.No.2.2

Trend Line of Total Deposit in Different Fiscal Year

In the figure no. 2.2 shows the x-axis represent the different fiscal year & y-axis
represent the amount of total deposits. According to the trend line formed in the figure
we can conclude that the trend of collection of deposit of NSBL in increasing.

2.1.3 Proportion of Individual Deposit in Different Fiscal Year

Table No.2.3

Percentage of Deposit from the F/Y 2073/74 to 2077/78

Fiscal year Fixed Saving Demand Other

2073/74 22.77 44.63 20.23 12.37
2074/75 27.29 45.06 17.44 10.21
2075/76 25.25 47.4 15.45 11.9
2076/77 20.23 51.35 18.39 10.03
2077/78 15.55 55.3 20.15 9

(Source: Annual Report of NSBL-2073-2078 )

In this table the proportion of deposit in different in different types of deposit account
collection by the bank from fiscal year 2073/74 to 2077/78 was shown. In this fiscal
year 2073/74 to 2077/78 the proportion of saving deposit was 55.30%, which is the
highest on these five fiscal years. By the above table we can know that the trend of
collection of fixed deposit is be decreased.
 2073/74

Fixed
Saving
Demand
Other

Fig. No. 2.3

Pie Chart of Deposit in F/Y 2073/74

In the above fig. no. 2.3 shows the deposit collection by NSBL in the fiscal year
2073/74 was shown. The above pie chart clearly shows that the saving deposit was
greater than the other deposit in the fiscal year 2073/74 in the fiscal year. Similarly,
fixed deposit is second greater, than after the demand deposit & at last other deposits.

2074/75

Fixed
Saving
Demand
Other
 Fig. No. 2.4

Pie Chart of Deposit in F/Y 2074/75

In the above fig. no. 2.4 shows the deposit that collected by the NSBL in the fiscal
year 2074/75 was shown. The above pie chart clearly shows that the saving deposit was
greater than the other deposit in the fiscal year 2074/75.

2075/76

Fixed
Saving
Demand
Other

Fig. No. 2.5

Pie Chart of Deposit in F/Y 2075/76

In the above fig. no. 2.5 shows the deposit that collected by the NSBL in the fiscal year
2075/76 was shown. The above pie chart clearly shows that the saving deposit was
greater than the other deposit in the fiscal year 2075/76. Similarly other deposit as fixed
deposit, demand deposit & other deposit are also shown.
 2076/77

Fixed
Saving
Demand
Other

Fig. No. 2.6

Pie Chart of Deposit in F/Y 2076/77

In the above fig. no. 2.6 shows the deposit that collected by the NSBL in the fiscal
year 2076/77 was shown. The above pie chart clearly shows that the saving deposit,
demand deposit are also shown.

2077/78

Fixed
Saving
Demand
Other

Fig. No. 2.7

Pie Chart of Deposit in F/Y 2077/78

 In the above fig. no. 2.7 shows the deposit that collected by the NSBL in the fiscal
year 2077/78 was shown. The above pie chart clearly shows that the saving deposit was
greater than the other deposit in the fiscal year 2077/78. Similarly other deposits as
fixed deposit, demand deposit & other deposit are also shown.

2.1.6 Proportion of Deposit in Total Capital

For the measurement of proportion of deposit in the total capital, deposit to total
capital ratio is one of the best tools. So, in this report also researcher used the deposit to
capital ratio to know the proportion of deposit in the total capital. The deposit to total
capital ratio is calculated by dividing total amount of deposit by the total capital.

Deposit to total capital ratio = Total Amount of Deposit

Total Amount of Capital

Table No. 2.4

Deposit to Total Capital Ratio in Different Fiscal Year

Deposit to
Total capital
Fiscal year Deposit Total capital Ratio
2073/74 59,466,674 86,183,585 69%
2074/75 107,546,159 142,994,494.10 75%
2075/76 145,419,801 183,240,676.70 79%
2076/77 200,208,846 257,702,208 78%
2077/78 268,392,233 332,668,671.20 81%

(Source: Annual Report of NSBL 2073-2078)

The above table no. 2.5 shows the proportion deposit in the total capital &
liabilities of the bank. In the fiscal year 2072/73, 69% of total capital was covered by the
deposit. Such percentage in the fiscal year 2073/74, 2074/75, 2075/76, 2076/77, 2077/78
were 75.21%, 79.36%, 77.69% and 78.32% respectively. Hence , using this information
researcher found the following trend line.

Deposit to Total capital Ratio

82%
80%
78%
76%
74% Deposit to Total capital Ratio
72%
70%
68%
66%
64%
62%
2073/74 2074/75 2075/76 2076/77 2077/78

Fig. No. 2.8

Trend Line of Deposit to Total Capital Ratio

In this trend line fiscal year was taken on x-axis deposit to total capital ratio was
taken on y-axis. By plotting the deposit to total capital ratio in different fiscal year in the
graph then the researcher found that in the fiscal year 2073/74 to 2077/78 the deposit to
the total capital ratio is increased then at fiscal year 2077/78 deposit to the total capital
ratio decrease but again in fiscal year 2077/78 deposit to the total capital ratio goes up or
increase. Hence we can conclude that capital ratio is not more fluctuate so, bank is not
in high risk.

2.2 Major Findings

After the data presentation and analysis of deposit collection. It’s the process of
identifying the institution deposit collection. After this research, researcher finds the
following findings are obtain the findings of NSBL of deposit analysis are as follows:

 The Nepal SBI Bank Limited deposit the fund through fixed, saving, demand
and other deposit.
 The fixed deposit is Rs. 13542756 to Rs. 41734992 is fiscal year 2073/2074 to
2077/78 respectively.
 The saving deposit is Rs. 26539487 to Rs. 148420905 in fiscal year 2073/74 to
2077/78 respectively.
 The demand deposit is Rs. 12027653 to Rs. 54081035 in fiscal year 2073/74 to
2077/78 respectively.
 The other deposit is Rs.7356778 to Rs. 24155301 in fiscal year 2073/74 to
2077/78 respectively.
 There is total capital ratio is increasing 2073/74 (69%) to fiscal year 2077/78
(81%).
 There is less fluctuation in the deposit & total capital ratio from fiscal year
2073/74 to 2077/78 is 69%, 75%, 79%, 78% and 81% respectively.
 CHAPTER-III

SUMMARY AND CONSLUSION

3.1 SUMMARY

As deposit is one of the significant functions of banks and financial

institution, in this study analyzed deposit of NSBL which is one of the successful
financial institutions. Deposit covers wide area and this study set up deposit collection.
The basic objectives of this study is to identify the different types of deposit account, to
know the trend of individual deposit account, to know the trend to individual deposit in
the several fiscal year & also in research, researcher want to examine the relationship
between deposit & profit. As the other research report also have some limitation.
Demand, data, area, methodology use to collect & analyzed that were the main
limitation of the study.

In the part of knowing the deposit collection of NSBL, in this study has collect
required data from the concern institution as well visiting the website of the institution.
Then the collected data are presented & analyzed. Adopting number of graphical and
statistical tools such as multiple bar diagrams, pie chart, trend line and correlation
coefficient etc. ratio between deposit & the total capital, etc.

3.2 Conclusion

From the above analysis the study has conclude the NSBL. Has shown the
masterful task in the field of deposit analysis. The data analysts clearly shown that the
total amount of deposit collection by bank has been significantly increase in fiscal year
2073/74 with respect to 2074/75 & so on. Against the worse economical condition &
political condition of the country this financial institution has increase the deposits
collection.

In the all most all analyzing period the saving deposit was greater than the
other types of deposit. It shows the efficiency of different types of saving scheme &
facilities provided by the banks. There were positive correlation between deposit &
profit; here the relation between the deposit & total capital is also motion.

With the help of above in this study following recommendation found the some
weakness of the bank in the field of deposit. So, to overcome such weakness this study
provides following recommendation to the management of NSBL, Traffic check. They
are:

 As we know that the deposit is an important function of commercial bank in the

Traffic Chock of NSBL there were no any separate department for the deposit.
So, the bank should establish a separate department for collection.
 The scheme & facilities provided by the bank toward the deposit, holders are not
sufficient to compete in this competitive environment. So, the bank should add
other attractive scheme & facilities.
 Fixed deposit is the major sources of capital to invest in fixed (long term) assets.
But the bank is not able to collect sufficient portion of fixed deposit on total
deposit. So, bank should give more concern to collect fixed deposit on total
deposit. So, bank should give more concern to collect fixed deposit.
 BIBLIOGRAPHY
Books

Bailey (1939). Fundamental of Investment. New Delhi: Person Education.

Dangol, R.M., & P.K. (2058). Accounting for Financial Analysis & Planning.

Kathmandu: Taleju Publication.

Joshi, P.R. (2005). Corporate Bank, Kathmandu: Asmita Books Publishers &

Distributor.

Kishor, M.R. (2001). Financial Management. New Delhi: Taxman Allied Service Pvt.
Ltd.

Peter(2001). Financial Management. New Delhi: Sultan Chand & Sons.

Rana, S.(2005). Financial Management. Kathmandu: Ratna Pustak Bhandar.

Richard, A. & Myers, C. (1981). Fundamental of Bank. Tokyo: MC Graw-Hill Books

Company.

Shrestha, Dr. M.K. & Bhandari, D.B. (2007). Bank Market & Institutions, Kathmandu:
Nepal, Asmita Books Publishers and Distributor.

Unpublished Report

Ghimire, D. (2069). Deposit Analysis of Nepal SBI Bank Limited. Butwal: Aims
Collage.

Pradhan, B. (2066). Deposit Analysis of Nabil Bank Limited. Butwal: Aims Collage.

Annual Report

Annual Report of Nepal SBI Bank Limited from Fiscal Year 2073/74 to 2077/78.

Websites

www.wikipedia.com

www.google.com

www.nepalsbibank.com