Deposit Analysis of Kumari Bank Limited: in Partial Fulfillment of The Requirement For The Degree of

DEPOSIT ANALYSIS OF KUMARI BANK LIMITED
A Project Work Report
BY:
AakashChalise
T.U. Reg. no: 7-2-0926-0055-2013
Texas International College
SUBMITTED TO:
The Faculty of Management

Tribhuvan University
Kathmandu
In Partial Fulfillment of the Requirement for the Degree of

Bachelor of Business Studies (BBS)
Mitrapark, Chabahil
May, 2017
i
DECLARATION
I hereby declare that the project work entitled "DEPOSIT ANALYSIS OF KUMARI
BANK LIMITED”submitted to the Faculty Of Management, TribhuvanUniversity,
Kathmandu is an original piece of work under the supervision of Mr.BhupendraPandey,
faculty member, Texas International College, Mitrapark, Chabahil, Kathmandu, and is
submitted in partial fulfilment of the requirements for the award of the degree of bachelor
of Business Studies (BBS). This project work report has not been submitted to any other
university or institution for the award of any degree or diploma.
_____________
AakashChalise
Date: May 2017
ii
SUPERVISOR’S RECOMMENDATION
The project work report entitled “DEPOSIT ANALYSIS OF KUMARI BANK

LIMITED” submitted by AAKASH CHALISE of TEXAS INTERNATIONAL
COLLEGE, MITRAPARK, CHABAHIL, KATHMANDU, is prepared under my
supervision as per the procedure and format requirement laid by the Faculty of
Management, Tribhuvan University, as partial fulfillment of the requirement for the
award of the Degree of Bachelor of Business Studies (BBS). I, therefore recommend the
project work report for evaluation.
______________
BhupendraPandey
Texas International College
Date:
iii
ENDORSEMENT
We hereby endorse the project work entitled “DEPOSIT ANALYSIS OF KUMARI

BANK LIMITED” submitted by AAKASH CHALISE of TEXAS
INTERNATIONALCOLLEGE, MITRAPARK,CHABAHIL, KATHMANDU, in partial
fulfillment for requirements for award of the Bachelor of Business Studies (BBS) for
external evaluation.
_______________ ____________________
BhupendraPandey ShyamSundarShrestha
Management Research Lumbini Academic College
Date: Date:
iv
ABSTRACT
This study attempts primarily to measure the deposit analysis of Kumari Bank Limited
which is one of the largest and prominent private commercial banks in Nepal. To
complete any task I have to use various materials and take online source. Analysis the
ratio here used financial ratio analysis (FRA) method which helps to draw an overview
about deposit analysis of the Kumari Bank Limited. To test the hypothesis the study has
been worked on Student t-test by using SPSS. These analyses helps to see the current
data’s of this bank compare past performance. The deposits of banks are dependent more
on the management’s ability in formulating strategic plans and the efficient
implementation of its strategies. The study findings can be helpful for management of
Kumari Bank Ltd. to improve their financial performance and formulate policies that will
improve their performance. The study also identify specific areas for bank to work on
which can ensure sustainable growth for these banks.
v
ACKNOWLEDGEMENT
Our University education is teacher centered and one way i.e. accumulated information if
transferred to students from teachers, students never initiate to find new things and solve
practical problems. That’s why they were unable to utilize their degree in real life.
But the recent change in the Bachelor Degree course tries to initiate in this field. So, the
students have to prepare report on any subjects or field report for 50 marks as a practical
fulfillment of Bachelor Degree. This step helps to acquire some practical knowledge.
During the preparation of report data have to analyzed, interpreted by own self. That’s why,
this report writing become very difficult for me. But I have taken these problems in natural
way because it will probably help me in my higher education.
I also wish to express my thanks to MrBigyanRana of Kumari Bank Limited for his support
and full co-operation in providing information that was required for the study. His valuable
support for the preparation of proposal to thesis is really praise worthy things. I am
extremely indebted by his efforts despite of his busy schedule.
Similarly, I would like to thank mySupervisorMr. Sashi Kant Sharma who too oriented
the classes and it became much easy for me to prepare the report.
Finally, I would like to disclose my sincere gratitude to my family and friends for their
co-operation, support and encouragement for the completion of this work.
Binaya Basnet
vi
TABLE OF CONTENTS
Title page i
Declaration ii
Supervisor’s Recommendation iii
Endorsement iv
Abstract v
Acknowledgement vi
Table of Contents vii
List of Tables ix
List of Figures x
Abbreviations xi
CHAPTER-I: INTRODUCTION 1
1.1 Background of the study 1
1.2 Problem Statement 2
1.3 Objectives 3
1.4 Rationale 3
1. 5 Report Structure 3
CHAPTER-II: REVIEW OF THE LITERATURE 5

2.1 Conceptual Review 5
2.2 Review of Previous Work 6
2.3 Research Gap 9
CHAPTER-III: Research Method and Data Analysis 10

3.1 Type of Research 10
3.2 Population and sample 10
3.3 Types of Data 11
vii
3. 4 Data Collection Procedure 11
3.5 Instruments 11
3.6 Techniques of analysis 12
3.7 Limitation 12
CHAPTER-IV: RESULTS AND FINDINGS OF THE STUDY 13

4.1 Data Presentation in Tables and Figures and Their Analysis 13
4.2 Major Findings 22
CHAPTER – V : DISCUSSION AND CONCLUSION 24

5.1 Discussions 24
5 .2 Conclusion 25
5.3 Implications 26
REFERENCES 28
viii
List of Tables
S.N Title of Table Page

Table 1 Total deposit of KBL from F/Y 2068-069 to 2072-073 13
Table 2 Compositions of Deposits 15
Table 3 Loan Discount & Overdraft of KBL 16
Table 4 Composition of CD ratio of KBL in last five FY 17
Table 5 Position of CRR & CD ratio of KBL in last five FY 19
Table 6 Total Borrowing Position of KBL 21
ix
List of Figures
S.N Title of Figures

Figure 1 Total deposit of KBL in last Five FY 14
Figure 2 Loan, Discount & Overdraft of KBL in last five FY 16
Figure 3 Loan Advance comparing Total Deposit 18
Figure 4 CRR and CD ratio of KBL 20
Figure 5 Total borrowing position of KBL 22
x
ABBREVIATIONS
B. S. BikramSambat
CD Ratio Credit to Deposit Ratio
CRR Cash Reserve Ratio
FY Fiscal Year
KBL Kumari Bank Limited
LDO Loan Discount & Overdraft
Ltd. Limited
NGO Non- Government Organization
NRB Nepal Rastra Bank
SLF Standing Liquidity Facility
T.U. Tribhuvan University
LC Letter of Credit
TC Traveler’sCheque
xi

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DEPOSIT ANALYSIS OF KUMARI BANK LIMITED

A Project Work Report

The Faculty of Management

In Partial Fulfillment of the Requirement for the Degree of

The project work report entitled “DEPOSIT ANALYSIS OF KUMARI BANK

We hereby endorse the project work entitled “DEPOSIT ANALYSIS OF KUMARI

CHAPTER-II: REVIEW OF THE LITERATURE 5

CHAPTER-III: Research Method and Data Analysis 10

CHAPTER-IV: RESULTS AND FINDINGS OF THE STUDY 13

CHAPTER – V : DISCUSSION AND CONCLUSION 24

S.N Title of Table Page

S.N Title of Figures

CD Ratio Credit to Deposit Ratio

CRR Cash Reserve Ratio

KBL Kumari Bank Limited

LDO Loan Discount & Overdraft

NGO Non- Government Organization

NRB Nepal Rastra Bank

SLF Standing Liquidity Facility

T.U. Tribhuvan University

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