Deposit Mobilization

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TABLE OF CONTENTS

SIGNATURE
COPYRIGHT
DISCLAIMER
ACKNOWLEDGEMENTS

CHAPTER PAGE NO.
1INTRODUCTION TO BANKING5
1.1Introduction5
1.2Origin of Modern Banking System6
1.3Development of Banking in Nepal6
1.4Purpose of the study10
1.5Methodology10
1.6Scope of the study10
1.7Limitations of the study10
1.8INTRODUCTION TO MACHHAPUCHCHHRE BANK LIMITED11
1.8.1Introduction11
1.8.2Branches12
1.8.3Board of Directors12
1.8.4Products and Services Offerings of MBL13
1.8.5Financial Highlights13
1.9INTRODUCTION TO KUMARI BANK LIMITED14
1.9.1Introduction14
1.9.2Branches15
1.9.3Board of Directors15
1.9.4Products and Services Offerings of KBL15
1.9.5Financial Highlights16
1.10INTRODUCTION TO LAXMI BANK LIMITED17
1.10.1Introduction17
1.10.2Branches18
1.10.3Board of Directors19
1.10.4Products and Services Offerings of LBL19
1.10.5Financial Highlights20
1.11INTRODUCTION TO SIDDHARTHA BANK LIMITED21
1.11.1Introduction21
1.11.2Branches22
1.11.3Board of Directors22
1.11.4Products and Services Offerings of SBL22
1.11.5Financial Highlights23
2COMPARATIVE FINANCIAL PERFORMANCE OF MBL, KBL, LBL & SBL24 2.1CAMEL Analysis24
2.1.1Capital Adequacy24
2.1.2Asset Quality26
2.1.3Management30
2.1.4Earning33
2.1.5Liquidity37
2.2TREND ANALYSIS41
2.2.1Total Deposit41
2.2.2Total Loans and Advances42
2.2.3Profit Analysis44
2.2.4Investment Analysis45
3SUMMARY, CONCLUSION & RECOMMENDATION46
3.1Summary & Conclusion46
3.2Recommendation48
Bibliography50
Abbreviations51

LIST OF CHART, TABLES AND FIGURES

List of Tables Page No.
Table 1: List of Commercial Banks8
Table 2: Growth of Bank & Financial Institution9
Table 3: Capital Structure of KBL11
Table 4: Financial Highlights13
Table 5: Capital Structure of KBL14
Table 6: Financial Highlights16
Table 7: Capital Structure of KBL18
Table 8: Financial Highlights20
Table 9: Capital Structure of SBL21
Table 10: Financial Highlights23
Table 11: Comparative CARS25
Table 12: Classification of loan27
Table 13: Loan loss provision to total loan27
Table 14: Performing loan to total loan28
Table 15: Non Performing loan to total loan29
Table 16: ROA of MBL, KBL, LBL & SBL34
Table 17: PE ratios of MBL, KBL, LBL & SBL35
Table 18: ROE of MBL, KBL, LBL & SBL36
Table 19: EPS of MBL, KBL, LBL & SBL37
Table 20: CRR of MBL, KBL, LBL & SBL38
Table 21: CBTTD of MBL, KBL, LBL & SBL39
Table 22: GSTTD of MBL, KBL, LBL & SBL40
Table 23: Total Deposit of MBL, KBL, LBL & SBL41
Table 24: Loan & Advances of MBL, KBL, LBL & SBL42
Table 25: CD Ratio of MBL, KBL, LBL & SBL43
Table 26: Profit of MBL, KBL, LBL & SBL44
Table 27: Investment of MBL, KBL, LBL, & SBL45
List of Figures Page No.
Figure 1: Comparative CAR25
Figure 2: Comparative CRR38
Figure 3: Comparative CBTTD39
Figure 4: Comparative GBTTD40
Figure 5: Comparative Total Deposit42
Figure 6: Comparative Loan & Advances43
Figure 7: Comparative Net Profit44
Figure 8: Comparative Investment Analysis45

Chapter 1

INTRODUCTION TO BANKING

1 Introduction

In every nation, financial sector immensely contributes to economic growth and prosperity. It provides platform to country for capital formation by mobilizing the public deposits, which can be invested in economic activities, thereby providing basis for credit creation through multiplier effect. This phenomenon of multiplier effect of credit creation within a country is strong foundation for central banks to apply its monetary policy to guide the economy in proper direction. Bank constitutes an important segment of the...
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