A Project on

NABIL Bank Ltd.

Kamaladi
Submitted By:
Kiran Lama
T.U. Reg. No. !"!#$$!##!"%%$
&'am Roll No:""%%%(
A )ield *ork Re+ort
Submitted to:
,rient -ollege
.a/arajgunj0 -/akra+at/
In the partial fulfillment of the requirements of the degree of Bachelor of Business studies.
)aculty o1 .anagement Studie2
TRIB3U4AN UNI4&RSIT5
R&-,..&N6ATI,N
This is to certify that the field work assignment report is
Submitted by:
Kiran Lama
Reg. No.:- 7-2-!!--2""!
Symbol No.:- 722"""#
$ntitled:
A +roject on
NABIL Bank Ltd.
Kamaladi
%as been prepared and appro&ed by this department. This field work assignment
report is forwarded for e'amination.
Super&isors
(((((((((. )ate:-((((((((..
Subash *charya
+,rincipal-
A-KN,*L&67&.&NT
This Report has been prepared as a prere.uisite for the completion of the Bac/elor
6egree in Bu2ine22 Studie2 8BBS9 of Tribhu&an /ni&ersity. 0 would like to e'press deep
appreciation and sincere thanks to the 1anagement2 Nepal 0n&estment 3ank 4td. for
pro&iding me the opportunity and encouragement to work in prestigious bank. This program
has in fact pro&ided me high opportunity to learn about banking operation and in large e'tent
about marketing in Nepal.
So many people ha&e contributed their support to me in preparing this report. 5irst of
all2 0 would like to thank Tribhu&an /ni&ersity for pro&iding us chance and allowing me for
this study. 3esides2 0 would like to thank entire family of Nabil 3ank for pro&iding me a
guidance and great support throughout my particular pro6ect.
0n this regard2 0 would like to e'press my cordial thanks to our super&isor2 1r. Subash
*charya2+,rincipal- and 1r. Sushil Ra6 )as +4ecturer- of 7rient 8ollege2 for their keen
super&ision2 ad&ice and support throughout the preparation of the report.
4astly2 0 would like to thank all the &aluable people for ha&ing spared their time to
assist me by sharing their &iews on the sub6ect.
9iran 4ama
33S2
rd
:ear
Table o1 content2

8hapter ; .................................................................................. <
0ntroduction ...................................................................... <
7rigin 7f 3ank: ............................................................... <
1eaning of 3ank .............................................................. <
%istory of 3ank 0n Nepal ................................................. 7
8ommercial 3ank ............................................................ =
8ommercial 3anks in Nepal ............................................ =
0ntroduction 7f Nabil 3ank 4imited ................................ =
3ranches ........................................................................... #
The 3oard of )irectors of Nabil 8onsists of :- .............. ;"
)eposits .......................................................................... ;;
>uarantees ...................................................................... ;;
8redit 8ards ................................................................... ;;
Tele-banking .................................................................. ;;
?estern /nion 1oney Transfer ..................................... ;;
S?05T +Society for ?orldwide 0nter 3ank 5inancial
Telecommunication- ...................................................... ;;
Safe )eposit 4ocker ....................................................... ;2
*utomated Teller 1achines +*T1- ............................. ;
7ther facilities ................................................................ ;
0ntroduction To )eposit ................................................. ;
Types of )eposit and its *ccount opening ,rocedure ... ;
Types of )eposits ........................................................... ;@
0nterest 3earing )eposit ................................................. ;@
Non-0nterest 3earing )eposit ........................................ ;!
Statement 7f ,roblems .................................................. ;#
Significance of the study ................................................ ;#
7b6ecti&e of the study ................................................... ;#
4imitation of the study ................................................... ;#
1ethodology 7f Research ............................................. 2"
Research )esign ............................................................. 2"
Sources of )ata .............................................................. 2"
)ata ,rocessing Techni.ues .......................................... 2;
Summary2 8onclusion *nd Recommendation ....................... 2
Summary ........................................................................ 2
8onclusion ..................................................................... 2
Recommendations .......................................................... 2@
-/a+ter :
Introduction
,rigin ,1 Bank:
0t is &ery hard to collect the correct information of the origin of bank. The ?orld
3ank has deri&ed from the 0talian world A3ancoB. ?hich means accumulation of money of
stock. The world of A3ancoB is origin and e&aluation of bank. The 3anco means A3enchB So
it can also be said that bank is to stay in chair one place and do the money the business and
banking play significant role in the de&elopment of country2 the bank of Cenice that was
established in ;;!= *) was the first hank in the history of banking. The bank of 3arcelona
Spain2 which was the establish in ;@"; *.) was the second bank of the world. The first
center bank was the bank of $ngland whit was established in ;=@@ *).
.eaning o1 Bank
3ank is a financial intuition2 which is engaged in monitory transaction. 3ank has
always been the most importance and largest financial intermediates. 3ank collect-scattered
money from public pro&iding those interests and ser&ices. This collection becomes the capital
for the bank to in&est. So the place where time money transactions are done is called 3ank.
%ence money of the bank is better to be precise and clear.
0mportance meanings are as follows
D*ccording to ?alter leaf:-
D* bank is that institution or indi&idual who is always ready to ser&ice money on )eposit to
be returned against the che.ue of their depositor.B
*ccording to ,rof. 9inley
A* bank is an established which makes to indi&iduals such ad&ances of money as may be
re.uired safer made and to which indi&iduals entrust money when not re.uired for use.B
*ccording to %arace ?hite:
A3ank is a manufactures of credit and machine for facilitating e'changesB
A*ccording to )r. %.4. %art
A* bank is one who in the ordinary course of his business recei&es money which he repays by
honoring 8he.ues of persons from whom or on hose account lie recei&ed it.
*ccording to >. >rowther:-
A* 3ank is a dealer in debt in his own and other people are the bankers business is them to
take the debt of other people to otter his own in e'change and thereby to credit money.
Therefore the bank is an institution which accepts deposits from the public and2 it turn
ad&ances loan by crediting bank plays the ital role in the economical condition too and
creates money administer the payment system interest rates and intermediate between the
sa&ing and in&estment.
3i2tory o1 Bank In Ne+al
The modem banking practices are recent origin our country historical e&idences show
the presence of some crude banking practices in the earlier period of time. The contributors to
the respecti&e time ate considered to be 9ing >una 9am )e& a sudra merchant Shankhadhar
the business group. DTankadhariesD of 9antipur and also Te6arath a go&ernment financial
0nstitution established by Rana ,rime minister Rannoddip Singh. 1ore o&er the setting up of
DTe6aratha *ddaD 8onsidered as the father of modern banking institution in Nepal.B has been
regarded as the first remarkable step in organiEed banking.
The first bank to be initiated in Nepal was the commercial bank. The pioneer in the
modem bank the history of Nepal 3ank 4imited2 which was established in the year ;##@ 3S
of " 9artik NepalFs 8enter 3ank Rastriya 3ani6ya 3ank was established in 2"; 3S of
3aisakha to perform the function of 8enter 3ank in Nepal. Subse.uently another State owned
commercial bank. Rastriya 3ank 4td was established with 6oin &enture of %abib 3ank of
,akistan. Nepal S30 3ank followed %imalayan 3ank 4td. in the year 2"!; 3S. Nepal
3angladesh 3ank followed %imalayan 3ank 4td. in the year 2"!; 3S. Nepal 3angladesh
3ank 4td. $&erest 3ank 4td. and 3ank of 9athmandu 4td. were established in 2"!; 3S. Now
in Nepal so many commercial banks are established run for smoothly.
,rincipal of 3anking G insurance Share6ung 9hadka G %ridhaya 3ir Singh
3anking has conic to the present ad&anced form through &arious stages. Some sort of
banking acti&ities ha&e been carried out since the time immemorial. Traditional forms of
banking were traced during the ci&iliEation of >reece2 Rome and 1esopotamia. *s early as
2""" 38 as a 6oint stock bank later in ;=@@ *) it became the first central bank in the world.
The goldsmiths and landlords were the ancient bankers of Nepal as in other countries.
They lent money against the deposit of gold2 ornament or securities of land. The
moneylenders charged high ;# 3S +;=7< *)- but it did not carry out all the banking
acti&ities. Te6arath *dda did not collect deposit form the public but ga&e loans to employees
and public against the bullion. %owe&er Nepal 3ank 4imited was the first and real
commercial bank in Nepal2 which was established in ;##@ 3S+;#@7-.
Nepal Rastra 3ank2 the central bank of Nepal was established in 2"; 3S +;#!! *)-
0n 2"2@ 3S an industrial bank namely Nepal 0ndustrial )e&elopment 8orporation +N0)8-
was established. of Nepal Rastra 3ank. 0n 2"@2 3S Nepal also adopted liberal free economic
policy and allowed to establish other 6oint &enture banks under collaboration with foreign
banks as well as under pri&ate sectors. *t ,resent there are about ;! commercial banks with
many branches are operating in Nepal.
5inally2 a bank is an institution2 which deals with money by accepting &arious types of
deposit disbursing loan and rendering other financial ser&ices. Since banks are rendering a
wide range of ser&ices to the ,eople different walks of life2 they ha&e become and essential
part of modern society.
-ommercial Bank
* commercial bank is a financial institution which collects sa&ing from many persons
and institutions and pro&ides credit or loan facility to different industrial and commercial
business. 8ommercial banking business consists of changing cash into hank deposit and bank
deposit into cash2 transferring bank institution to other2 gi&ing bank deposit in e'change for
che.ues. 3ills of e'change2 go&ernment securities etc.
Nepal 3ank 4imited established in ;##@ 3S is the first commercial bank in Nepal.
8ommercial banks perform &arious functions. *mong them accepting &arious types of
deposit is the main faction of commercial banks.
-ommercial Bank2 in Ne+al
-ommercial Bank
;. Nepal 3ank 4imited
2. Rastriya 3ani6ya 3ank
. Nepal 0ndosueE 3ank
@. Nepal *rab 3ank 4imited
!. Nepal >rindlays 3ank 4imited
<. %imalayan 3ank 4imited
7. Nepal S30 3ank 4imited
=. Nepal 3angladesh 3ank 4imited
#. $&erest 3ank 4imited
;". 3ank of 9athmandu
;;. 3ank of 8eylon
;2. 4umbini 3ank 4imited
;. Nepal 0ndustrial G 8ommercial 3ank 4imited
;@. 4a'mi 3ank 4imited
;!. 9umari 3ank 4imited
;<. Nepal 0n&estment 3ank 4imited
;7. 1achhapuchhre 3ank 4imited

Introduction ,1 Nabil Bank Limited
Nabil 3ank 4imited +Nabil- commenced its operation on ;2 Hul2 0#=@ as the first 6oint
&enture bank in Nepal2 )ubai 3ank 4imited. )ubai +4ater ac.uired by $mirates 3ank
0nternational limited2 )ubai- was the first 6oint &enture partner of Nabil. 8urrently N3
+international- limited. 0reland is the foreign partner.
Nabil 3ank limited had the official name Nepal *rab 3ank 4imited till lst )ecember
2"";. Nabil is the pioneer in introducing maims inno&ati&e products and marketing concept
in banking sector of Nepal with ;! &enture and pri&ate banks operating in Nepal. Success of
Nabil is a milestone in the banking history of Nepal as it pa&ed the way for the establishment
of many commercial banks and financial institutions.
Nabil pro&ides a full range of commercial banking ser&ices through its outlets spread
across the nation and reputed correspondent banks across the globe. 1oreo&er2 Nabil has a
good name in the market for its highly personaliEed ser&ices to the customers. *t the time of
commencement it had Rs ;"" million as *uthoriEed 8apital. Now2 the *uthoriEed capital of
the bank is Rs. !"" million while the issued and paid up capital is Rs. @#2;<2!@2@"".
The share holding of N*304 3ank 4td. is as following.
N.3. +0nternational-2 4td.2 0reland !"I
Nepalese ,ublic "I
4ocal 5inancial 0nstitutions 2"I
Total :%%;
)igure A
Nabil cordially
in&ites you to &isit its branchesJcounters to ha&e the taste of fledge banking ser&ices
N*304 3*N9 4010T$)
%$*) 75508$
Nabil %ouse2 9amaladi2
9a.thmandu
Branc/e2
;. 9antipath 3ranch2 9antipath #. 0tahari 3ranch2 1ain Road2 0tahari
2. Nabil %ouse 8orporate 3anking2
Nabil %ouse2 9amaladi2 9tm.
;". 3utwal 3ranch2 1ain road2 3utwal
. New Road 3ranch2 New Road ;;. 3halwadi 3ranch2 3halwadi2 Rupandehi
@. Horpati 3ranch2 Horpati ;2. ,okhara 3ranch2 8hipledhunga2 ,okhara
!. 4alitpur 3ranch2 9upondole ;. 3hairahawa 3ranch2 Narayanpath
<. *irport $'change 8ounter2 T0* ;@. 8redit 8ard 8ounter2 4akeside2 ,okhara
7. 8redit 8ard 8ounter2 Thamel2 9tm ;!.3irgun6 3ranch2 *darshanagar2 3irgun6
=. 3iratnagar 3ranch2 >oswara Raod ;<. *lau 3ranch2 *lau2 ,arsa
Share Holder
50%
30%
20%
N.B.
(International),
Ltd., Ireland
Nepalese Publi
Loal !inanial
Institutions
T/e Board o1 6irector2 o1 Nabil -on2i2t2 o1 :!
8hairman 1r. Satyendra ,yara Shrestha2 N3+0nternational- 4imited
)irector 1r. Supriya >upta 2 N3+0nternational- 4imited
)irector 1r. 1ukunda Nath )hungel2 Nepal Stock $'change 4imited
)irector 1r. 1ohiuddin *hemd2 N3+0nternational- 4imited
*lternate )irector 1r. 1anish >upta2 N3+0nternational- 4imited
5igure 3
,roducts G
Ser&ices
)eposits 8redits cards 4ending
Tele- banking
Safe )eposit
4ocker
Transfer 5und
6e+o2it2
5ollowing types of accounts can he opened at any N*304 branches upon completion
of simple documentary re.uirement. *ll the accounts can he opened in &arious currencies
+against which rate are pro&ided- sub6ect to ruled of opening and fulfilling the re.uired
documents.
Sa&ings
8urrent
5i'ed
8all
7uarantee2
N*304 3ank issues guarantees and 3onds on behalf of customers to the beneficiaries
in Nepal. /pon fulfillment of re.uirement2 N*3042 also arranges issuance of guarantees in
the name of foreign beneficiaries through reputed international banks.
-redit -ard2
N*304 is the first bank in Nepal to issue Rupee +&alid in Nepal and 0ndia- and
international &alid worldwide- 1aster card2 cards in Nepal2 a global prestigious ser&ice to its
esteemed clients N*304 is also e'panding credit and facilities issuing &isa credit card &ery
soon.
Tele!banking
Telephone banking is another product pro&ided by N*304 bank to its customers.
/nder this arrangement customer can know the balance of his account through telephone
with out human assistance.
*e2tern Union .oney Tran21er
N*304 bank has established uni.ue money remittance system with western union
financial ser&ice whereby money can be remitted anywhere in the world within minutes2
through online computer system funds can world. Nepali wage earners abroad can send
money to their near and dear ones in Nepal within a &ery short time. 3y using the abo&e
ser&ices2 you can now send and recei&e money within minutes in ;<! countries in the world.
S*I)T 8Society 1or *orld<ide Inter Bank )inancial Telecommunication9
N*304 has started ?orldwide transfer of fund by this fast and efficient funds transfer
and messaging system. 1essaging and fund transfers are carried through S?05T with
minimum time and cost.
Sa1e 6e+o2it Locker
N*304 pro&ides safe deposit lockers to keep &aluables safety at a minimum cost.
,resently2 this facility is a&ailable at 9antipath and 9amaladi offices.
Automated Teller .ac/ine2 8AT.9
N*304 has launched the *T1 facility to its account holders to enable fast
withdrawal of funds in account holder need not wait long hours for withdrawing money and
sign che.ues anymore. * simple card with a uni.ue ,0N number known only to the account
holder will suffice.
,t/er 1acilitie2
The bank pro&ides the facilities for the customer like deposit ser&ices2 loans and
ad&ances2 consumer finance2 cash management. remittance ser&ices etc.
Introduction To 6e+o2it
)eposit collection is one of the main features of commercial bank. * commercial
bank recei&es deposit in different accounts namely current2 fi'ed and sa&ing. These are the
direct deposits. ?hen a bank recei&es cash it grants a right to the depositors to withdraw it
whene&er they like Nepal 3ani6ya. 3ank *ct has regulated all the deposit 2";. The act
specifies. A)eposit mean amount deposited in current fi'ed and sa&ing deposit account of
hank of financial institutionKs.
*mong many functions of a commercial bank the main function is deposit function
which all the commercial banks perform in simple terms2 deposit is a function of collecting
surplus from sa&ers. 3ank accepts deposit from those that can sa&e but canKt utiliEe
profitably. ,eople accidents2 the deposit of commercial banks is increasing because people
know its importance. So banks accept money on current sa&ing. 3anks utiliEe efficiencies to
attract more deposits to increase credit acti&ities. )eposits are with draw able according to
the terms of contract with the depositors to attract the people o deposit the bank maintains
different types of deposit accounts.
Ty+e2 o1 6e+o2it and it2 Account o+ening Procedure
)eposit is the ma6or source of fund of commercial bank2 which is generated in the
hands of customers2 go&ernment2 corporate bodies2 public enterprises2 indi&iduals and others
and a surplus.
.ain 1eature2
;. ,urpose: sa&ing2 fi'ed or call +short term-
2. ?ith maturity or without maturity
. 0nterest bearing and non interest bearing
0t interest bearing:
8alculation of interest on monthly minimum balance2 or a&erage balance
,ayment of interest .uarterly or semi annually
Special arrangement with any other deposit account
@ 7perate or nom operati&e
0f operati&e:
4imitation on fre.uency and amount of withdrawal: yea or no
<. Time liabilities or demand liabilities.
Ty+e2 o1 6e+o2it2
)eposits of commercial banks can he categoriEed into following two categories
;. 0nterest bearing deposit
2. Non interest hearing deposit
Intere2t Bearing 6e+o2it
a. Sa=ing 6e+o2it
The pm pose of sa&ing deposit is to encourage the habit of sa&ing among the common
people and institutions. Sa&ing deposits attract interest which is normal less than that of long-
term deposit but more than that of short-term deposit. There is restriction in this account to
withdraw any amount. The with more funds for the credit acti&ities2 interest is paid in this
deposit account.
*ccording to 8ommercial 3ank *ct2 the sa&ing account means an account of amounts
deposited in a bank for sa&ings purposes.
Sa&ing *ccount are generally opened for the sa&ings of customers +indi&iduals2
nonprofit organiEation2 charitable trusts2 clubs2 associations and cooperati&e- who want to
sa&e for meeting future needs2 Sa&ings accounts is suitable for the customers who do not
want to withdraw fre.uently or who do not want to keep certain amount for fi'ed long period
The main features of such accounts are as follows:
i. 0nterest bearing
ii. Restriction or limitation in respect of both the amount of withdrawal and
fre.uency withdrawal.
iii. ,urpose and period of such deposit is for sa&ings purpose for the
indi&iduals who do not want fre.uent withdrawals and who do not want to
keep money for fi'ed long period.
b. )i'ed 6e+o2it> Term 6e+o2it
*nother source of deposit is the fi'ed deposit account. 1oney in this account is
deposited for a fi'ed period of time2 which cannot be withdrawn before the maturity of time.
The rate of interest on this account is higher than other accounts. 0t is also known as time
deposit. >eneral this is for three months to fi&e years.
*ccording to 8ommercial 3ank *ct2 fi'ed account means the account of amount
deposit in a bank for a certain period of time.
The main features of such accounts are as follows:
i. Specific period
Normally the bank is not bound to repay the amount until the maturity of the
fi'ed deposit. %owe&er2 on re.uest of the depositor2 a banker may li.uidate
the fi'ed deposit and repay the amount2 interest will be paid at the discretion
of the banker.
ii. Non operati&e
5i'ed deposit account is non operati&e i.e. depositing into or withdrawal from
fi'ed deposit account as in case of sa&ings and current deposit account is not
allowed.
c. -all 6e+o2it
The banks may accept deposit for short period of time to meet the short fall and such
deposits secured from money market and ha&ing element of o&ernight stay is called call
deposits. The rates of interest of such funds are not fi'ed hut are dependent on demand and
supply of funds in the money market. Such all deposits become payable on demand and
hence such deposits become payable demand and hence such deposits are considered demand
liabilities of the bank.
i. Non-operati&e
ii. Short term: o&ernight stay
iii. 0nterest rate not fi'eda
i&. ,ayable at demand
d. ,t/er 6e+o2it
i. 3earer 8ertificate of )eposit
0t is a scheme of special type of deposit where some specified amount of money for
specific period of note is accepted as deposit against a certificate gi&en by the banker to a
customer. * bank issues such the principal amount and will issue the will issue the
certificate for such amount which will include the interest payable at maturity on the
amount deposited. 7n maturity date any person presenting the certificate at the bank can
encase the same. Such types of deposits are considered as time liabilities.
The ma6or feature of such deposit are as follow s:L
i. Negotiable with prepaid interest ha&ing fi'ed maturity
ii. No particulars of the depositor contained in the certificate.
iii. 7pening of account is not re.uired
i&. 0t could be discontented before maturity
Non!Intere2t Bearing 6e+o2it
a. 8urrent )eposit *ccount.
8urrent deposit is also known as demand deposit as the deposit is with draw able on
demand. 8urrent deposits are withdrawn able on the demand of the customers. 3anks
ha&e to make themsel&es ready to pay the depositors at hand to pay according to the
wish of the customer. 0f the bank cannot pay the customer according to the demand2
the reputation of the bank may fall of the banking acti&ities may tail. The business
people2 business institutions who ha&e to withdraw at any time2 normally open it.
Since banks ha&e to maintain high li.uidity to meet customers demand2 no interest is
paid on such deposit.
*ccording to 8ommercial 3ank *ct the current account means an account of amounts
deposited in bank. which may be drawn at any time on demand.
i. No yield
*s the cost of pro&iding the facilities of current account becomes considerable to the
banks do not pa any interest on the balance of current account.
ii. %ighly li.uid and no limitation
There is no limitation on withdrawal and deposit of any amount within banking hours
Pri=ilege2
7&erdraft facilities are pro&ided to current account holder only. The banks normally
sanction the loans and ad&ances through current accounts since they are not gi&en in
cash.
Account ,+ening Procedure
:. A++lication on t/e +re2cribed 1orm
The customer who comes to hank with a desire to open an account in the bank should
complete the application from designed in prescribed format. N*304 3ank also has
its own The re.uired to fill up the name2 address2 occupation2 nationality etc. about
the customer. The form is designed with a declaration that the applicant should accept
that he should comply with the banks rule on force from time to time for the operation
of the account.
". Re1erence ?Introduction
The selection of the customer is regarded to be done by the customer &ery carefully.
*fter being satisfied about the identity of the account opening indi&idual or film2 the
banker should take person incapable of making a &alid contract. 0n such a case banker
does not get any protection under Negotiable 0nstrument *ct and is considered guilty
of negligence.
#. S+ecimen Signature
The bank has 0ts own specimen signature card which is pro&ided to the customer for
putting one or more specimen signatures of him. These cards are inde'ed and placed
in a &isa desk in numerical order. These signature specimens are used by the bank bar
issue and payment filing into hands of unauthoriEed persons and also to e'clude the
chance of replacements of it by fraudulent card.
@. Account ,+ening .andate
The customer may authoriEe the third person to operate tile account for which clear
instruction for operation of the account shall he noted on both account opening form
and specimen signature cards. The name and the signature of the mandated must
pro&ide the copy of hisJher citiEenship certificate and must also be presented in the
bank.
Procedure 1or ,+ening Sa=ing and -urrent Account.
;. The account opening form and specimen signature cards are re.uired to be filled
up mid submitted 0 he details in the form shall he checked by the account opening
official2 signature in the specimen he &erified. The proposed account opener must
be percent at the time put signature in specimen Signature ear in front of the
account opening official
2. *fter being satisfied with the document and account and account opening from it
is placed before the manager for appro&al. The document re.uired for current
accounts are as follows.
They should pro&ided a copy of:
i. 5or ,roprietor business
a. Registration certificate
b. 0ncome ta' certificate
c. 8itiEenship certificate of the proprietor.
ii. 5or partnership business
a. Registration certificate
b. 0ncome ta' certificate
c. ,artnership deed
d. 8itiEenship certificate of the partners
iii. 4imited companies
a. Registration certificate
b. 0ncome ta' certificate
c. M3oard resolution for operation of account.
d. 1emorandum and articles
e. 8itiEenship certificates of the directors
i&. N>7 lobs school associations
a. Registration certification
b. 3oard resolution
c. 3y laws
d. 8itiEenship certification
+Those customers who fall under C*T payer should also pro&ided a copy of C*T
Registration certificate-
Note: 8opy of citiEenship certificate in case of indi&idual sa&ing +for opening sa&ing
account in the name of associations2 cooperati&es2 non-profit organiEations like N>7s2
charitable trust all the documents are re.uired are re.uired as in point +i&- abo&e in case of
current account is re.uired-.
. Then the account opening official should allot an account no from basic number
register in both the form and specimen signature card.
@. *ccount is opened in the computer also.
!. The particulars of account opening form and the account number is entered in the
respecti&e account opened and register.
<. *gainst the re.uest for che.ues book as mentioned in account number is entered
in the che.ues lea&es are printed2 blinded at the end of business hour and pro&ided
to the customer along with letter of banks ne't day. The che.ues book numbers
shall be recorded in the che.ue book issue register and handed o&er to the part
against his her acknowledgement.
7. The signature is scanned from the specimen signature card and placed fir final
appro&al to the manager.
=. *fter the final appro&al the account opening form is filed in numerical order in the
respecti&e account type file.
Procedure 1or ,+ening )i'ed 6e+o2it Account
;. Separate account opening form for fi'ed deposit is designed. The customer
wishing to open a fi'ed deposit account shall till up such form and put the
signature in the specimen card2 which is same as in the case of sa&ing and current
account opening.
2. The form contains the rate of interest2 period2 amount and the nominee account for
crediting the interest and two witnesses along with nominee form in the back.
. The account opening official after being satisfied with the form allots a number
from the basic number register and puts in the form.
@. The accounts opened in the computer and details are entered.
!. The details such as name2 date of opening2 rate of interest2 maturity date2 nominee
aJc for interest should be recorded in fi'ed deposit register.
<. 0n case of fi'ed deposit being opened through the che.ues2 the official looking
after the fi'ed account does the transaction. 0n case of back to the account opening
official.
7. Then the account opening official shall issue the fi'ed deposit receipt.
=. The account opening form2 specimen signature card2 fi'ed deposit receipt and the
&oucher are placed before the manager for the final appro&al and signature.
#. /pon completion of full formalities as abo&e the fi'ed deposit receipt is handed
o&er to the customer against hisJher acknowledgement on the counterfoil of the
fi'ed deposit receipt.
;". The account opening form is filed in the numerical order in a separate file. The
specimen signature card is placed is placed in the &isa desk in numerical order
once its gats scanned and appro&ed by the manager.
Statement ,1 Problem2
*s we know that the main ob6ecti&e of any business organiEation e.g. 3ank. is profit
ma'imiEation. )eposit mobiliEation is the key factor to attain this ob6ecti&e: therefore2 if the
bank fails to employ its funds suitably it is not possible to ma'imiEe profit. * bank has to
make decisions with a framework of statutory re.uirements of credit regulation by center
bank2 as well as the national ob6ecti&es that are determined in the matter of the pro&ision of
credit from time to time.
Through the banking system is making much progress2 the progress has been set up
with the problems and hindrances. the banking system and do not know the importance of
bank. 3ank concentrate only in the city so that the &illages ha&e to take a loan from money
4ander at a high rate of interest. 1ost of the people keep their sa&ing idle or gi&e it to others
to use it in greed of more interest.
Signi1icance o1 t/e 2tudy
)eposit collection is the ma6or function of all commercial banks2 which help to carry
out almost all transaction of the bank. 1ostly among the &arious deposit features pro&ided by
commercial banks2 fi'ed and sa&ing deposit are considered to be more important 0n the case
of term deposit although the this deposit can be in&ested in short term loans with higher rate
of return +interest- and hence it helps to earn high profits.
So the deposits in the commercial banks ha&e a good contribution to the country
economy. 0f deposits are well intends to gi&e general information regarding banking2 deposits
and prospects of the deposit and its mobiliEation in the country2 which may gi&e the general
idea about banking2 and deposits
,bjecti=e o1 t/e 2tudy
the ob6ecti&e of this fieldwork is to analyses deposits collected in N*304. The study
intends to present a brief and clear picture of deposit and its utiliEation. The ob6ecti&e of the
study includes.
- To find out deposit trend of N*304 bank.
- To find out the deposit mi'.
- To analyses the cost of deposit
- To analyses whether the deposits are being properly utiliEed or not
Limitation o1 t/e 2tudy
The study does not present detailed analysis of deposit in N*304 due to lack of time
rele&ant data and resources. This study is limited to the information that was a&ailable from
the bank and other sources.
- *nnual reports of N*304
- *nnual reports of NR3
- *rticles in Newspapers2 6ournals2 booklets2 issues published by financial institution.
.et/odology ,1 Re2earc/
Re2earc/ 6e2ign
The research methodology is the process of arri&ing to the solution of the problems
through planned and systematic dealing with the collection2 analysis and interpretation of
facts and figures. *s the research entirely considers about the about A)eposit *nalysis of
N*304 3ankB The been used which pro&es helpful to deposit analysis. 5or the purpose of
achie&ing the ob6ecti&e2 the following methodology is used. The data has been collected by
ac.uiring &arious kinds or reposts2 bulletins and 6ournals from the organiEation. Similarly
data has been ac.uired from NR3 also.
The study report is based mostly on secondary information of N*304. 0n addition to
this reference has been made in library consult2 class lectures2 books related to banking2
financial management and accounting during the preparation of this study.
Source2 o1 6ata
5or the preparation of this report different kinds of books are followed. 0n this report2
all the data collected is secondary in nature. *lmost all the data has been collected form
published annual reports2 brochures etc. 1ostly all the data are collected from the concerned
bank.
Primary 6ata Source:
,rimary source of data is .uestionnaires2 obser&ation2 inter&iewing personally in the
site. The data regarding the organiEation2 its feature and structures were recei&ed primary
through the officer of N*304.
Secondary 6ata Source:
0n this study the main source of data is secondary which are collected from pre-
publisher data sources. The secondary data sources used in this stud are:
Internal 2ource
*nnual reports of N*304
0nterim performance report
&'ternal 2ource
3ook publications
Hournals
*rticles from newspapers
*nnual reports of NR3
6ata Proce22ing Tec/niAue2
The data collected from the abo&e stated sources has been classified tabulated and interpreted
for easier study.
-la22i1ication and Tabulation o1 6ata
The data collected are classified tabulated and arranged in manner to make it easily
understandable with the use of tables in chronological order. *fter classification the data is
tabulated.
6iagrammatic Re+re2entation o1 6ata
Carious diagrams are used to present the data more clearly. The diagrams used are
follows:
3ar )iagram
,ie 8hart
4ine >raph
3ar >raph
Tool2 1or Analy2i2 o1 6ata
Carious 5inancial. *ccounting and statistical tools ha&e been used of analyses the collected
data and interpret the result obtained. The &arious tools used are:
)eposit Trend )eposit 4anding Ratio
)eposit 1i' Ratio of 0nterest 3earing )eposit to Total )eposit
)eposit 8ategoriEation Ration of Non interest 3earing )eposit to Total )eposit
0nterest $'penses Ration of 5i'ed )eposit to Total )eposit
8ost of )eposit Ratio of 8urrent )eposit to Total )eposit
8orrelation 8oefficient Ration Sa&ing )eposit to Total )eposit
Trend *nalysis
S*,T Analy2i2
None of the organiEations is perfect in each and e&ery way. 0 here are some
weaknesses and threats2 which affect the organiEationKs performance. 0t may ha&e lots of
strength to be proud of but besides with some weakness and threats as well. *nd the
organiEation does not remain same fore&er there will be lots of opportunities in order to
e'pand the transactions. So N*304 has also its strength to be proud2 some weakness to be
reco&ered and threats to be faced patiently.
Strengt/
a. N*304 has 2!" correspondent relationships besides numerous
drawing arrangements with 7! banks in @" countries of the world. Nabil has also
drawing arrangement with the e'change companies and bank besides many others lie
%abib Natar 0nternational $'change 4imited2 )oha2 Natar.
b. To add its strength. N*304 has &ast network system in the nation
thus helping customer to transact through bank from place to place. 0t has ;7 branches
nationwide which is the highest number of any 6oint &enture bank in Nepal. 0t is the
only bank to operate inside international airport of arri&al and departure lounges.
c. Nabil is well known for pro&iding highly personaliEed ser&ices to
its customers. 0t pro&ides different ser&ices like *T12 credit cards2 Tele banking
ser&ice2 safe deposit locker etc. 0t has also introduced a number of attracti&e deposit
skills.
d. %uman resources in N*304 are well trained and they are
dedicated to the bank too. N*304 is pro&iding high remuneration and other benefits
as well to its staff.
e. N*304 is well supplied with latest technology. 8omputer does
most of banking ser&ices. Thus the ser&ices of the bank are prompt and accurate. The
bank is capable to maintain the standard.
*eakne22:
a. The 0ncrease in the number of branches increases the cost operation. *dministration
e'penses for personnel etc. are increased.
b. The political instability in the country can he considered another weakness of the
bank.
c. Too much dependency in computers is not considered to be reliable.
d. N*304 pays high interest rates on deposits. 5or this reason the bank also charges high
interest rates on credit2 which has bad impact in in&estment situation in nation.
e. Staff is unwilling to gi&e e&en re.uired information. 0t seems that they donKt want to
cooperate with once who are not really its customers.
,++ortunitie2
a. * lot of people deposit their fund in this bank due to its skill in
attracting people by adopting attracti&e policies like high interest rate2 prompt
ser&ices2 credit card ser&ice2 *T1 etc.
b. Staff can perform their work more efficiently with the help of
computers. The en&ironment of the bank is sound which helps to enhance its stall bar
its better profitability.
c. ,eople in &arious sectors get employed through this bank2 which has
highest number of branches among 6oint &enture banks in the nation.
d. 8itiEens of underde&eloped country like Nepal get the fa&orable chance
to show their inner skills and talent.
e. The policies of the %1> and NR3 rules and regulation always gi&e
confidence to the banking sector to uplift the economy of the nation.
T/reat2
a. 3anks must land and in&est its fund to parties ha&ing good reputation.
7therwise the bank will ha&e to regret later on.
b. $'cess go&ernment pressure may create irregular banking transaction2
which leads to bad reputation of the bank.
c. The economic condition of country is deteriorating.
d. There is increasing number of competitions. Now there are ; commercial
banks2 which include # 6oint &enture and @! finance companies.
e. The bank should be discouraged to open account for the indi&iduals or
firms ha&ing bad reputation. 0t 1ay be a threat2 which can ruin the bank.
Summary0 -onclu2ion And Recommendation
Summary
* bank is an institution which deals in money. * bank is like a reser&oir. 0t draws surplus
money from the people who sa&e and lend them to the people who want to use it for
producti&e purpose. 0n this process the bank earns commission. The rate of interest paid to
the depositors is generally lower than the rate charged to the borrowers. The difference
between these two rates of interest is the profit of the bank. )eposit collection is the main
function of commercial bank.
The present study has been undertaken to e'amine and e&aluate the financial performance of
N*304. The financial statements of fi&e years that is from 2"""J"; to 2""@J"! ha&e been
e'amined for the purpose the study. The study has resorted mainly to secondary data that has
been first processed and analyEed comparati&ely. 0ndi&idual inter&iew with the management
personnel has been taken whene&er necessary. This study is e'ploratory as well as analytical
sometimes.
N*304 was established in ;2
th
Huly ;#=@2 which was the first 6oint &enture bank in Nepal.
*mong many 6oint &enture banks2 it is a leading one2 which is always running in profit due to
its proper management and good policies. )ata that 0 ha&e presented is all from the secondary
sources2 which are in the annual reports or other printed matters.
* customer can be account holder when he opens account. There are the numbers of rules
and procedures regarding opening different types of accounts. The interest rates on different
accounts are different.
-onclu2ion
i. The deposit of N*304 is in increasing trend. The share of fi'ed deposit is
more than that of sa&ings2 current2 margin and other deposits in the deposit
mi' of N*304.
ii. The trend of interest bearing deposit has been gradually increasing but there
has been more fluctuation in non-interest bearing deposits2 similarly2 there is
also more fluctuation in interest e'penses on total deposits.
iii. The trend analysis shows that the deposit of N*304 is in increasing trend. 0n
addition to this2 the bank is being able to satisfy its customers and in pro&iding
higher .uality and newer ser&ices to them.
i&. 0nterest e'penses on deposit of N*304 during the year 2""" are also .uite
high but there has been a decreasing trend of interest e'penses till the year
2""!.
&. Similarly2 the cost of deposit during the year 2""" is also .uite high but there
has been decreasing trend in the later year. So2 it helps to increase the
efficiency to bank.
&i. 3y the analysis of deposit landing we can conclude that the bank is able to
utiliEe its deposits a greater e'tent.
&ii. Thus2 the bankKs performance is effecti&e in profitability and towards the
customiEing2. era and may attract more customers.
Recommendation2
i. *lthough N*304 has a strong financial base and capital structure as well as
good market status and reputation in order to attract new customers and
increase deposit collection N*304 should introduce new schemes.
ii. 8ustomer ser&ices should be di&ersified and should further be accommodated.
iii. 0nterest rate on deposit should be competiti&e with other commercial banks.
i&. The bank should aim towards increasing its customers but it must also pro&ide
the .uality ser&ices to the present customers. 5or this the bank must make
plans and policies keeping customers in mind.
&. 3ank should also pay attention towards the priority sector and industrial sector
for lending loans to de&elop the economic condition of the country.
&i. 3ank should pro&ide more facilities to the staff2 it has to pro&ide 6ob
satisfaction2 training and should encourage its staff.
BIBLI,7RAP35
*grawal. >.R2 A,ro6ect 1anagement in NepalB2 1.9 ,ublishors an )istributors2
9athmandu.
3anking 0nformation and )ata2 *nnual Report of Nabil 3ank 4td.
3righam2 $ugene 5.2 A5undamental of 5inancial 1anagementB2 %olt
Rincht and ?inston: The )ryden ,ress2 ;##=.
9han2 1. :. and ,.9.2 A5inancial 1anagement ,olicyB: New )elhi:
1c>raw %ill ,ublishing 8o. 4td.2 ;#7=.
,oudel2 Ra6an 32 9eshar 6. 3aral2 Rishi R. >autam2 >yan 3. )ahal A5undamentals of
5inancial 1anagementB : 9athmandu *smita ,ublication2 2"<!
Can %orn Hames 8.2B5inancial 1anagement and ,olicyB: New )elhi
,rentice %all of 0ndia ,&t. 4td.2 ;#=<.
Can %orn Hames 8.2B5undamental of 5inancial 1anagementB: /.S.*.
,rentice %all 0nc. $ngle ?ood 8liff2 ;#=.
/R4: www.nabilbank.com
/R4: www.nrb.org.np