SAVING DEPOSIT ANALYSIS OF NIC ASIA BANK

A Field Work Report

Submitted By:
Kreena Maharjan
T.U. Regd. No.: 7-2-455-27-2019
Pinnacle College
Lagankhel, Lalitpur

Submitted To:
The Faculty of Management
Tribhuvan University

In Partial Fulfillment of the Requirement for the Degree of

BACHELOR OF BUSINESS STUDIES (BBS)

July, 2024
Lalitpur, Nepal
 DECLARATION

I hereby declare that the proposal entitled “SAVING DEPOSIT ANALYSIS OF NIC ASIA
BANK” submitted to the Faculty of Management, Tribhuvan University, Kathmandu is an
original piece of work under the supervision of Mr. Nirmal Tiwari faculty member, Pinnacle
College, Lagankhel and is submitted in partial fulfillment of the requirement for the award of
degree of Bachelor of Business Studies (BBS). This proposal has not been submitted to any other
university or institution for the award of any degree or diploma.

Signature:
Name of student: Kreena Maharjan
Date: July, 2024

ii
 SUPERVISOR’S RECOMMENDATION

The project work report entitled “SAVING DEPOSIT ANALYSIS OF NIC ASIA BANK”
submitted by Kreena Maharjan of PINNACLE COLLEGE, LAGANKHEL, LALITPUR 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 award of
the degree of Bachelor of Business Studies (BBS). I, therefore, recommend the project work
report for evaluation.

……………………………..
Signature
Nirmal Tiwari
Pinnacle College, Lagankhel
Date: July, 2024

iii
 ENDORSEMENT

We hereby endorse the project work report entitled “SAVING DEPOSIT ANALYSIS OF NIC
ASIA BANK” submitted by Kreena Maharjan of PINNACLE COLLEGE, LAGANKHEL,
LALITPUR, in partial fulfillment of the requirements for the award of the degree of Bachelor of
Business Studies (BBS) for external evaluation.

…………………………….. ……………………………..
Aatmaram Koirala Rishi Prasad Tiwari, PhD
Research Committee Head Principal

iv
 ACKNOWLEDGEMENTS
This report SAVING DEPOSIT ANALYSIS OF NIC ASIA BANK has been prepared for the
partial fulfillment of the requirement of the degree Bachelor of Business Studies. I express my
sincere gratitude to all the person and authors whose creations are cited in this study. A part from
this I also express my sincere gratitude to all those people whose writing and cited but helped
and inspired me in making my vision clear and reaching on conclusion.

I wish to extent my deep sense of indebted to my report supervisor Mr. Nirmal Tiwari of
Pinnacle College. Who provided me valuable guideline, insightful, commitment encouragement
and generous treatment to compete this report. I would like to express my sincere and heartfelt
appreciation to the bank and staff’s for providing required data and information while preparing
this report. I am thankful to teacher’s librarian, and administrative staff of Pinnacle College for
their kindly support and co-operation. Last but not least I would like to thank all who helped me
directly or indirectly during the course of preparation of this report.

…………………………..
Kreena Maharjan
Pinnacle College

v
 TABLE OF CONTENTS

Title Page..................………………………………………………………………………………i
Declaration……………...…………………………………………………………………………ii
Supervisor’s Recommendation…………………………….……………………………………..iii
Endorsement…………………………………………...…………………………………………iv
Acknowledgements………………………………………………………………………………..v
Table of Contents………………………...…………………………………………………….…vi
List of Tables………………………..…………………………………………………………..viii
List of Figures……………….……………………………………………………………………ix
Abbreviations……………...……..………………………………………………………………..x
INTRODUCTION
1.1. Background of the Study
1.1.1. Vision of the NIC Asia Bank……………………………………………………...1
1.1.2. Mission of the NIC Asia Bank…………………………………………………….1
1.1.3. Objective of NIC Asia Bank………………………………………………………1
1.2. Profile of the Company……………………………………………………………...……2
1.3. Objective of the Study……………………………………………………………………2
1.4. Rationale…………………………….……………………………………………………2
1.5. Literature Review…………………………………………………..…………………….2
1.5.1 Conceptual Review……………………………………...………………………….3
1.5.1.1 Saving Deposit………………………………………...……………….3
1.5.1.2 Factors Affecting Saving Deposit…………………………………...…3
1.5.1.3 Features of Saving Deposit…………………………….………………4
1.5.2 Review of Previous Work……………………………………………………..……5
1.6. Research Methodology……………………………….…………………………………..6
1.6.1 Research Design…………………………………...……………………………….6
1.6.2 Population and Sample………………………………………..……………………6
1.6.3 Types of Data……………………………………………………………………….6
1.6.4 Data Collection Procedure………………………………………….………………7
1.6.4.1 Primary and Secondary………………..……………………………….7
1.6.5 Instruments…………………….……………………………………………………7
1.6.5.1 Satistical Tools……………………………………………………..…..7
vi
 1.6.6 Limitation………………………………………………………………………..….8

1.7. Report Structure…………………………………………………………………………..8

RESULTS AND ANALYSIS

2.1. Presentation of Data in Tables and Figures and their Analysis…………………………..9
2.2. Analysis of Results……….……………………………………………………………..12
2.3. Major Findings…………………………………………………………………………..12
SUMMARY AND CONCLUSION
3.1 Summary……………...………………………………………………………………….13
3.2 Conclusion…………………….…………………………………………………………13
BIBLIOGRAPHY………………………………………………………………………………15

vii
 LIST OF TABLES

Contents Page No.

Table 2.1: Deposit of NIC Asia Bank 9

viii
 LIST OF FIGURES

Contents Page No.

Figure 2.1: Bar Graph of Saving Deposit 10

Figure 2.2: Percentage of Saving Deposit in different Fiscal Year 11
Figure 2.3: Trend Analysis of Saving Deposit 12

ix
 ABBREVIATIONS

NICA: Nepal Industrial and Commercial Asia Bank

ATM: Automated Teller Machine
ANZ: Australia and New Zealand Banking Group
X: Variable
n: no. of observation
SD: Standard Deviation
CV: Coefficient of Variation
Ltd: Limited
F/Y: Fiscal Year
i.e.: That is
Fig: Figure

x
 CHAPTER-I
INTRODUCTION
1.1 Background of the Study
NIC ASIA Bank has its antecedents in NIC Bank which was established on 21st July 1998. The
Bank was rechristened as NIC ASIA Bank after the merger of NIC Bank with Bank of Asia
Nepal on 30th June 2013. This was a historic merger in the annals of Nepalese financial
landscape as the first of its kind merger between two successful commercial banks in the
country. Today, NIC ASIA has established itself as one of the most successful commercial bank
in Nepal.
During the post-merger integration phase, NIC ASIA managed the transition very smoothly
receiving accolades from the regulators as well as the stakeholders, paving the way for other
mergers and consolidation in the Nepalese financial sector. After the merger, NIC ASIA was
recognized as “Bank of the Year 2013-Nepal” by The Banker, Financial Times, UK. This is the
second time that the Bank was recognized with this prestigious award, the previous occasion
being in 2007.
NIC ASIA Bank is now, one of the largest private sector commercial banks in the country in
terms of capital base, balance-sheet size, number of branches, ATM network and customer base.
The Bank has 360 branches, 111 extensions counters, 55 branchless banking and 670 ATMs
across Nepal with a network covering all major financial centers of the country. The Bank
strongly believes in meritocracy, transparency, professionalism, team spirit and service
excellence. These core values are internalized by all functions within the Bank and are reflected
in all actions the Bank takes during the course of its business.
1.1.1 Vision of the NIC Asia Bank
The vision of the NIC Asia Bank is as follows:
“To ensure the creation of optimum values for all the stakeholders.”
1.1.2 Mission of the NIC Asia Bank
To be a bank of 1st choice for all the stakeholders. The bank strongly believes in Metritocracy,
Transparency, Professionalism, Team Spirit and Service Excellence. These core values are
internalized by all functions within the bank and are reflected in all actions the bank takes during
the course of its business.
1.1.3 Objectives of NIC Asia Bank
 To enhance trust and relationship with the customers by incorporating high degree off
professionalism.
 Provide competitive and customer oriented banking service to all customers through
competent and professional staff.
1
1.2 Profile of the Company
NIC ASIA Capital Limited is a subsidiary of NIC ASIA Bank Limited. NIC ASIA Capital was
incorporated under the Companies Act 2007 of Nepal and is licensed by the Securities Board of
Nepal to undertake Merchant Banking activities which includes services like Issue Management
and Underwriting, Registrar to Share, Depositary Participant and Portfolio Management.

NIC ASIA Bank Limited, our parent company, is a "A" Class financial institution licensed by
Nepal Rastra Bank. NIC ASIA Bank is one of the largest private sector commercial banks in the
country in terms of capital base, balance-sheet size and number of branches, ATM network and
customer base. The Bank has 359 branches, 103 extension counters, 81 branchless banking, and
473 ATMs across Nepal with a network covering all major financial centers of the country. The
Bank has also added a Microfinance Company, "NIC ASIA Laghubitta Bittiya Sanstha Ltd." in
its ecosystem. The Bank strongly believes in meritocracy, transparency, professionalism, team
spirit and service excellence. These core values are internalized by all functions within the Bank
and its subsidiaries that include NIC Asia Capital Limited.

1.3 Objectives of the Study

The objectives of the study are as follows:
 To find out total composition of total deposit.
 To find saving deposit to total deposit.
 To compare of fixed deposit with total deposit.
 To study utilization of the deposit of NIC Asia Bank.

1.4 Rationale
The main rationale of the study is to highlight the investment policies of commercial banks with
the expectation that the study can bring the gap between deposit and investment. On the other
hand, the study would provide information to management of the bank that would help them to
take collective action.
In the context of Nepal, there is less availability of research works, journals and articles in
investment policy of commercial banks as well as other financial institution. As it is well known
that success and prosperity of the bank heavily relies upon the successful investment of collected
resources to the important sector of the economy. Successful formulation and effective
implementation of investment policy is the prime requisite for the successful performance of
commercial banks.
1.5 Literature Review
The saving deposit has played a vital role in developing banking sector and other organizations.
It is the main income sources for banks. This study tries to describe the features of bank.
However, this study also consider the interest rate, bonus incentives, promotional interest rate,
minimum
 2
opening deposit, monthly deposit requirements, etc. like economic variable that support the
investment decisions.
1.5.1 Conceptual Review
Conceptual review of various different literature provided by different authors, research scholars,
practitioners, etc. have been presented in the following sections:
1.5.1.1 Saving Deposit
A saving account is an interest bearing account. In NIC Asia Bank, interest is calculated on three
month basis and credited to the account on quarterly basis. The minimum balance for saving
account depends on the nature of saving account. Such balance is subject to any incidental
charges that the bank specifies during the period. The types of saving account in NIC Asia Bank
are:
 General Saving
 Nari Bachat
 Share Khata
 Jestha Bachat
 Bal Bachat
 Lok Bachat
 Corporate Staff Saving
 Bachat Yojana
 Student Saving
1.5.1.2 Factors Affecting Saving Deposit
a) The Level of the Real Interest Rate
In any attempt to identify the factors behind a higher or lower rate of saving, the first possibility
to be considered will undoubtedly be the interest rate, which is the remuneration for saving.
Empirical finding obtained in practice do not point to a significant between the interest rate and
saving.
b) Fiscal Policy
According to the economic theory known as the Ricardian Equivalence, a decline in public
savings will be offset by a rise in private savings. In other words, a growth in public
consumption (or from the longer term viewpoint, a growth in the public debt), which implies a
decrease in public saving, will cause individuals to change their saving habits and increase their
saving in order to create implies a decrease in public saving in order to create a reserve against
the future tax burden (which is like to grow).
c) The Distribution of Income
An inequality in the distribution of income, as measured by the Gini coefficient, rise during the
1990’s, due among other things, to the wave of mass immigration. The arrival of such a large
3
number of immigrants, most of whom came with few assets had the effect of increasing the
extent of inequality measured.
d) Financial Reforms
Financial reforms usually have a temporarily adverse effect on saving rates. Israel is a good
example of this phenomenon, in view of the wide-ranging (if gradually implemented) financial
reforms initiated since the 1985 stabilization program.
The most notable factor affecting savings during the initial stage of this liberalization process
was found to be the lifting of restrictions on the taking of credit. The much greater ease with
which loans can be obtained as a result of this reform measure reduces the individual’s incentive
to save.
e) Uncertainty
A situation of uncertainty whether political, economic or personal, will generally have the effect
of encouraging all economic units to increase their savings. On the other hand, uncertainty
concerning a change in the financial climate might shift savings from financial to material, such
as diamonds, real-state, etc.). Households will be afraid that their future income decreases and
hence they will display an increased tendency to save.
f) The Effects of Taxation
Tax reduce their payer’s disposable income, and thereby have the effect of reducing private
saving while increasing government revenue and savings. When the various channels of savings
are either subjected to taxation or are subsidized, another effect is apparent from the real interest
rate after tax.
In Israel, exemption from capital gain tax is granted on securities marketed on the stock
exchange, provident fund interest, saving schemes, foreign currency restitution deposits and life
insurance proceeds. Tax benefits are also provided when making an instruments.
g) Demographic Factors
One of the factor found to have a clear and significant effect on savings is the age composition of
the population. This effect can be explained by the life cycle model, whereby savings are used
for retirement and are accrued at different rates during the individual’s lifetime. Accordingly, we
can expect the saving rates to decline in proportion to the size of the elderly population who have
retired from the labor market.
1.5.1.3 Features of Saving Deposit
a) Interest Rates
The way in which your savings will grow is with a competitive interest rate. The higher the rate,
the quicker you will earn more and more pennies. With a saving account the financial institution
offers a standard variable interest rate per annum. So, be sure to take the time and find a saving
account with an impressive interest rate.
4
b) Bonus Incentives
If there’s savings account featuring a bonus interest rate then by all means take a further look. A
bond rate is offered on top of the base rate when a specific criteria is met. It often requires you to
make a minimum deposit per month along with a limited number of withdrawals. For example,
with the ANZ progress saver account you can earn a bonus 4.24% p.a. when you make at least
one single deposit of $10 or more in a month and there are no withdrawals, fees or charges
processed to the account in that same month.
c) Promotional Interest Rate
As you start your search for a new savings account you will come across plenty of banks enciting
you to sign up with them. A lot of bank in Australia offer and impressive promotional interest
rate to new account holder. This rate is usually only for a limited time before reverting to the
standard variable interest rate of the account.
d) Minimum Opening Deposit
Some financial institution requires you to make a minimum deposit before they open and activate
your saving account. This is usually to cover cost associated with setting up the new account and
then maintaining it. Having to make a minimum opening deposit may defer you away from that
saving account.
e) Monthly Deposit Requirements
This feature comes in hand with a lot of saving accounts. In order to lap up the high interest rate
on offer you are required to maintain a minimum monthly balance or deposit a certain amount
every month. If you fail to meet the requirement the bank will lower your interest rate or pay no
interest for that month. So, it’s a good idea to work out how much you can save each month and
then look for a bank that offers bonus rates for fulfilling these criteria.
f) ATM Facility
Many online saving accounts don’t come with a whole in the wall facility where you can
withdrawal money from your saving account. So, if you need to access your savings you will
need to transfer the money into your linked transaction account in order to withdraw it. Which
keep in mind takes time. If you’re likely to withdrawal money regularly from your saving
account.
1.5.2 Review of Previous Work
During the study, the previous students have carried out several thesis works. Among them some
of thesis is found to be relevant for this study which is presented as below:
Yan (1993), talks about time series behavior as well as the determinants of the changes in saving
deposit. It focus on forecasting future models for saving deposit. It focus on management aspect
also.
Bova (2015), highlight problems and solutions in deposit policy. It focus on formulating
5
appropriate deposit policy, objectives, operational structure and tools.
Gupta (2021), “Understanding saving deposits: Features, Benefits, and Risks” – this article
provides an overview of the key features, benefits, and risks associated with saving deposits in
banks. It discusses topics such as interest rate, minimum balance requirement, withdrawal
restrictions, and the importance of saving for financial goals.
Smith (2022), “Comparing saving deposits accounts: A guide for savers” – this article compares
different saving deposit accounts offered by different banks, highlighting the differences in
interest rates, minimum balance requirements, and other features. It provides insights on how to
compare and choose the best saving deposits account that aligns with your financial goals and
preferences.
Patel (2023), “How to choose the right saving deposit account” – this article offers tips and
advice on how to choose the right saving deposit account that suits your financial needs and
goals. It discusses factors such as interest rates, fees, account access, and customer service which
can impact your decision when selecting a saving deposit account.
1.6 Research Methodology
Research methodology can be understood as a science of studying how research has been done.
It looks into the research design, nature of sources of data, data collection procedure and tools
and technique of analysis for the purpose of achieving the objective of the study.
1.6.1 Research Design
This research report is based on a descriptive research design, which involves the systematic
collection, analysis, and interpretation of data to describe the features, performance, and
customer satisfaction of NIC Asia Bank’s Saving Deposit. Both primary and secondary data
sources are used for this research, including data from NIC Asia Bank’s annual reports, official
website, and other relevant publications.
1.6.2 Population and Sample
There are altogether 20 commercial banks, which are functioning all over the country. Most of
their stock are traded actively in the stock market. NIC Asia Bank has been selected in sample
for the study.
1.6.3 Types of Data
There are mainly two types of data. They are as follows:
a) Primary Data
The data which are collected for the first time by an investigator or researcher is known as
primary data. These data are original in character. These data are raw data which has high degree
of accuracy.
b) Secondary Data
6
The data which are collected already and then used by others is known as secondary data.
Generally, these types of data have low degree of accuracy compared to the primary data.
1.6.4 Data Collection Procedure
The data and information are collected from the primary and secondary sources. For the primary
information, research interview and questionnaires are used. The research interview was set to
interview bank officials. The research questionnaire was set for bank account holders who are
known as depositors in the thesis report.
For the collection of secondary data and information, annual report of NIC Asia Bank,
magazines, various publication and the internet have been used. Also, for other related
information various books and periodicals have been referred from library.
1.6.4.1 Primary and Secondary Data
Secondary Data: Secondary data for NIC Asia Bank are collected from
 Annual report of the NIC Asia Bank Ltd.
 Brochures, magazines and leaflets
 Different statement
 Files, balance sheet and various documents
 Websites of NIC Asia Bank Ltd.
1.6.5 Instruments
There should be various financial, statistical and accounting tools to achieve the objectives of the
study. The analysis of data will be done according to pattern of data available due to limited time
and resources. For this research statistical tools have been used to achieve the purpose:
 Statistical Tools
1.6.5.1 Statistical Tools
Some important statistical tools are used to analyze the data to achieve the objective of this
study. The basis statistical tools related to this study are discussed below:
i. Standard Deviation (S.D.)
The standard deviation measures the absolute dispersion. The greater the amount of dispersion
will be greater the standard deviation. A small standard deviation means a high degree of
uniformity of the observations as well as homogeneity of a series and vice-versa. The standard
deviation of different ratios can be calculated as:

where, X = Variable
X = Mean
n = no. of observation
ii. Coefficient of Variation (C.V.)
The coefficient of variation (C.V.) is the relative measure of dispersion. Comparable across
distribution which is defined as the ratio of the standard deviation to the mean expressed in
percent. It can be compute as:
SD
CV = × 100
MEAN
1.6.6 Limitation
There are certain limitations to this research report which include:
 The study mainly concentrates on saving deposit aspects of NIC Asia Bank and may not
be applicable to other banks or financial institutions.
 Only five years data is taken for the study of saving deposit of NIC Asia Bank.
 The analysis will be mainly based on secondary data.
 This study deals with limited financial and statistical tools.
 It focuses only in saving schemes, therefore overall position of NIC Asia Bank can’t be
judged by this report.
1.7 Report Structure
The whole study has been divided into three chapters.
First Chapter includes introduction, objectives of the study, rationale, literature review,
research methodology, limitation and report structure.
Second Chapter is devoted to presentation and analysis of data through definite course of result
and finding.
Third Chapter provides summary and conclusion for improving the future performance of the
bank has also been outline.
8

CHAPTER II
RESULTS AND ANALYSIS
2.1 Data Presentation and Analysis
The data collected from websites of NIC Asia Bank’s will be presented in the form of tables,
charts, and narratives.
Table 2.1
Deposit of NIC Asia Bank (NRP in millions)
Fiscal Year Saving Deposit

2075/76 176820

2076/77 201630

2077/78 286820

2078/79 289903

2079/80 304914

(Source: Annual report of NIC Asia Bank)

The above table 2.1 shows the total saving deposit of NIC Asia Bank from the fiscal year
2075/76 to 2079/80. In this table we can see that there was increasing phase in the saving amount
of the banks by which we can say that the flow of customer was increasing day by day which
resulted to the profit. There was increasing phase from starting fiscal year up to the current year.
The saving deposit increases from year 2075/76 with the amount 176820688914 to the current
year 2079/80 with the amount 304914759166 respectively.
 9

Saving Deposit
350000

300000

250000

200000

150000

100000

50000

0
2075/76 2076/77 2077/78 2078/79 2079/80

Figure 2.1: Bar Graph of Saving Deposit

(Source: Annual report of NIC Asia Bank)
The figure 2.1 shows the five year saving deposit of the NIC Asia Bank which shows that the
saving deposit was increasing from 2075/76 to 2079/80. It seems that the bank are developing
good relationship with the customer as a result of high number of amount deposit from the year
2075/76 to 2079/80 i.e. 176820688914 to 304914759166 respectively.
 10

Saving Deposit

14%
24%
2075/76
2076/77
2077/78
16%
2078/79
2079/80

23%
23%

Figure 2.2: Percentage of saving deposit in different fiscal year

(Source: Annual report of NIC Asia Bank)
The figure 2.2 pie chart shows the percentage change of the saving deposit towards the bank in
different year. From the given figure we can say that there was increasing phase shown in the
fiscal year 2075/76 to 2079/80 and conclude that there was no decreasing phase in any year. The
percentage change in the year 2075/76 was 14% that increases to 16% in the year 2076/77.
However, it further increases to 23% in the year 2077/78 and remain constant to the year
2078/79. As there was no decreasing phase it again increases in the year 2079/80 with 1 percent
and leads to 24%.
 11

Saving Deposit
350000

300000

250000

200000

150000

100000

50000

0
2075/76 2076/77 2077/78 2078/79 2079/80

Figure 2.3: Trend analysis of saving deposit

(Source: Annual report of NIC Asia Bank)
In the figure 2.3, it shows there was an increasing trend of saving deposit in NIC Asia Bank. By
above figure we can say that there is an upward slope which means that customers are saving
with high amounts in the bank. We can also say that there is a good trust building and customer
relation between banks as there is an increasing trend as per the figure.
2.2 Analysis of Results
The analysis of results will focus on the key findings related to the features, performance and
customer satisfaction of NIC Asia Bank’s Saving Deposit product. The analysis will involve the
comparison of data, identification of patterns and trends, and interpretation of the findings.
2.3 Major Findings
The major findings of the study are listed as below:
 The saving deposit of NIC Asia Bank in the table 2.1 shows number of amount deposited
by customer for five year. The saving deposit in F/Y 2075/76 is 176820688914 that
ended up increasing to current year 2079/80 with 304914759166 amount.
  The bar graph of saving deposit of NIC Asia Bank in the fig. 2.1 seems to be in
increasing phase showing good relationship with the customer.
 The pie chart in the fig. 2.2 shows the percentage change of the saving deposit towards
the bank in different year which is 14%, 16%, 23%, 23% and 24% respectively from
fiscal year 2075/76 to 2079/80.
 The trend analysis in the fig. 2.3 shows the increasing trend of saving deposit in NIC Asia
Bank, building good trust and customer relationship between banks.
12

CHAPTER III
SUMMARY AND CONCLUSION
3.1 Summary
Bank is financial service providing instruction. It acts as a monetary intermediate between
customers, depositors and credit takers. Saving deposits are an essential banking product that
allows individuals to securely save their money while earning interest on their deposits. NIC
Asia Bank is one of the commercial bank in Nepal.
NIC Asia Bank ltd is one of the largest banks of Nepal with 3472 employees, 292 branches and
302 ATMs. NIC Asia Bank has connected the remotest part of financial services and have made
strong foothold in all the major financial centers of the country. Having made a separate
“Experience Enrichment Department”, the bank is committed to provide efficient service to its
customers branding itself as the most trustworthy bank of the nation. The bank is one of the
largest private sector banks in terms of net profit, saving and deposits, lending, balance sheet
size, capital base and customer base.
The study is mainly based on secondary sources. All data are taken from NICA annual report,
literature publication, different website, journals and articles. After collecting data from different
sources, it is analyzed by using statistical tools. Findings are drawn by applying various
statistical tools: standard deviation and coefficient of variation of total deposit. In an attempt to
fulfill the objectives of the research work, all secondary data are compiled, processed and
tabulated as per necessity and figures, diagrams and different types of chart are also used.
This study suffers from different limitation: it considers study of only NICA. For the purpose of
our study, here we have analyzed the saving deposit of NIC Asia Bank Ltd. over the period of
FY 2075/76 to FY 2079/80. To evaluate the saving deposit of the bank, we have divided the
whole report to different chapters. In every chapter, there are several sub-chapters. The first
chapter introduction gives the background study of NIC Asia Bank Ltd, objectives of study,
rationale, literature review and research methodology. The second chapter results and analysis
provides presentation of data in tables and figures with major findings. The third chapter include
summary and conclusion.
3.2 Conclusion
Major findings from the study leads to the conclusion of our study. The following are the
conclusions of our study:
 Saving deposit of NICA is in increasing trend. It shows that the bank has the good record
in amount deposited by the customers.
 The saving deposit of NIC Asia Bank in the table 2.1 shows number of amount deposited
by customer for five year. The saving deposit in F/Y 2075/76 is 176820688914 that
ended up increasing to current year 2079/80 with 304914759166 amount.

13
 The bar graph of saving deposit of NIC Asia Bank in the fig. 2.1 seems to be in
increasing phase showing good relationship with the customer.
 The pie chart in the fig. 2.2 shows the percentage change of the saving deposit towards
the bank in different year which is 14%, 16%, 23%, 23% and 24% respectively from
fiscal year 2075/76 to 2079/80.
 The trend analysis in the fig. 2.3 shows the increasing trend of saving deposit in NIC Asia
Bank, building good trust and customer relationship between banks.
 From the study, we can say that the NICA is one of the most successful bank inside the
country having 292 branches.
 14

BIBLIOGRAPHY
Gupta (2021) Understanding Saving Deposits: Features, Benefits, and Risks, Journal: Journal of
Personal Finance, 20(2), 13-19.
Patel (2023) How to choose the right saving deposit account, Journal: Personal Finance of
Today, 28(3), 10-16.
Smith (2022) Comparing saving deposit accounts: A guide for savers, Journal: Matters, 15(1),
23-30.
Yan (1993), Saving Deposit Analysis
Bova (2015), Saving Deposit Analysis
Source: googlescholar.com
Website of NIC Asia Bank Limited
https://www.nicasiabank.com
 15

The study is mainly based on

secondary sources. All data are
taken from NICA annual
report, literature publication,
balance sheet, profit and loss
account, different website,
related books and booklets,
journals and articles. After
collecting data from different
sources, it is analyzed by using
financial and statistical tools.
Findings are drawn by
applying various financial tools
viz. liquidity, profitability and
assets management
ratio and statistical tools: mean,
standard deviation and
coefficient of variation of cash
and bank balance and total
deposit. In an attempt to
fulfill the objectives of the
research work, all secondary
data are compiled,
processed and tabulated as
per
necessity and figures, diagrams
and different types of chart are
also used
The study is mainly based on
secondary sources. All data are
taken from NICA annual
report, literature publication,
balance sheet, profit and loss
account, different website,
related books and booklets,
journals and articles. After
collecting data from different
sources, it is analyzed by using
financial and statistical tools.
Findings are drawn by
applying various financial tools
viz. liquidity, profitability and
assets management
ratio and statistical tools: mean,
standard deviation and
coefficient of variation of cash
and bank balance and total
deposit. In an attempt to
fulfill the objectives of the
research work, all secondary
data are compiled,
processed and tabulated as
per
necessity and figures, diagrams
and different types of chart are
also used
The study is mainly based on
secondary sources. All data are
taken from NICA annual
report, literature publication,
balance sheet, profit and loss
account, different website,
related books and booklets,
journals and articles. After
collecting data from different
sources, it is analyzed by using
financial and statistical tools.
Findings are drawn by
applying various financial tools
viz. liquidity, profitability and
assets management
ratio and statistical tools: mean,
standard deviation and
coefficient of variation of cash
and bank balance and total
deposit. In an attempt to
fulfill the objectives of the
research work, all secondary
data are compiled,
processed and tabulated as
per
necessity and figures, diagrams
and different types of chart are
also used
The study is mainly based on
secondary sources. All data are
taken from NICA annual
report, literature publication,
balance sheet, profit and loss
account, different website,
related books and booklets,
journals and articles. After
collecting data from different
sources, it is analyzed by using
financial and statistical tools.
Findings are drawn by
applying various financial tools
viz. liquidity, profitability and
assets management
ratio and statistical tools: mean,
standard deviation and
coefficient of variation of cash
and bank balance and total
deposit. In an attempt to
fulfill the objectives of the
research work, all secondary
data are compiled,
processed and tabulated as
per
necessity and figures, diagrams
and different types of chart are
also used
The study is mainly based on
secondary sources. All data are
taken from NICA annual
report, literature publication,
balance sheet, profit and loss
account, different website,
related books and booklets,
journals and articles. After
collecting data from different
sources, it is analyzed by using
financial and statistical tools.
Findings are drawn by
applying various financial tools
viz. liquidity, profitability and
assets management
ratio and statistical tools: mean,
standard deviation and
coefficient of variation of cash
and bank balance and total
deposit. In an attempt to
fulfill the objectives of the
research work, all secondary
data are compiled,
processed and tabulated as
per
necessity and figures, diagrams
and different types of chart are
also use Findings are drawn by applying various statistical tools: standard
deviation and coefficient of variation of total deposit.