"A STUDY ON DEPOSIT MOBILIZATIONOF PRIME

COMMERCIAL BANK LIMITED"

Submitted by: Pabitra Airi

Exam Roll No: 21450314
PU Registration no.: 2021-2-45-0171
Level: BBA-BI fifth Semester

A Project Work Report submitted to Pokhara University in fulfillment of the

requirements for the degree of

Bachelor of Business Administration in Banking and Insurance

Nepal Western Management and Engineering College

Pokhara University

Dhangadhi-02, Kailali

Feburary, 2023
 DECLARATION

I hereby declare that the project work report entitled “A Study On Deposit Mobilization Of
Prime Commercial Bank Limited” submitted for the BBA-BI is my original work and the
Project Work Report has not formed the basis for the award of any degree, diploma, or
other similar titles

…………………....

Signature

Name of the student

Pabitra Airi

PU Exam Roll no: 21450314

PU Reg. No: 2021-2-45-0171

Date
 CERTIFICATE

This is to certify that the Project Work titled “A Study On deposit Mobilization Of Prime
Commercial Bank Limited” submitted by Pabitra Airi Roll number 21450314 for the
partial fulfillment of the requirements of BBA embodies the bonafide work done by
him/her under my supervision.

…………………………..… …………..…………………………
Signature of the Supervisor Signature of In-Charge of Research
Name: Sumit Pant Name:
Date: Date:
 ACKNOWLEDGEMENT

This is an attempt to present the project work report entitled “Deposit Mobilization Of
Prime Commercial Bank Limited" prepared for partial fulfillment of the requirement for
the Degree of Bachelor of Business Administration in Banking and Insurance (BBA–BI) is
an outcome of continuous and immeasurable cooperation and support of several hands. I
would like to express my heartfelt gratitude to all for their support.

I have great satisfaction and pleasure to express my appreciation and sincerity to my

project work report supervisor Mr. Sumit Pant for his excellent and effective guidance and
supervision. I will remain thankful to him for his valuable direction, useful suggestion and
comments during the course of preparing this project work report. Without his help this
work would not have come in this form.

I highly appreciate to all the staff and branch manager of Prime Bank, Dhangadhi for their
valuable advices and support in collecting and presenting the necessary data I would also
like to express my thankfulness to my friends, my family members as well as all known
people who supported as well as inspired me directly or indirectly to complete this project
work report

Thank You

Pabitra Airi
 Abstract
This research report examines Prime Bank Limited in great detail, with a particular
emphasis on the bank's credit standing and deposit mobilization situation. To serve the
people of Nepal, Prime Bank Limited was founded in 1998 and has quickly made a name
for itself in the banking industry there.

The study uses primary and secondary data sources in a descriptive research design. The
evaluation spans five years, from 2073/74 to 2077/78, and aims to evaluate the bank's
financial outcomes and deposit patterns.

Key Findings:

i. The upward direction of current deposit growth indicates strong attempts to

mobilize deposits.
ii. The increase of savings deposits is also rising, which is suggestive of growing
customer loyalty and confidence within the bank.
iii. Although it changed over time, fixed deposit growth has remained strong and has
helped the bank's entire deposit structure.
iv. There are phases in the growth of call deposits, with both boom and decline phases.
v. With several years of changes, Prime Bank Limited's deposit position shows an
overall increasing tendency.
vi. Over the course of the study, Prime Bank's credit situation has fluctuated.
vii. By keeping control of its overall deposit-to-credit ratio, the bank has made sure that
its financial operations remain stable.

Conclusion:

Prime Bank Limited has become an important player in Nepal's economic environment,
fostering the country's economic expansion and advancement. Proactive deposit
mobilization tactics of the bank have led to a continuous increase in several deposit
categories. The bank has kept control over its deposit-to-credit ratio, guaranteeing strong
financial health, notwithstanding unexpected fluctuations.

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In the future, Prime Bank Limited has to continue in increasing its efforts to mobilize
deposits, capitalizing on creative services to draw in a broader customer. Sustaining long-
term development and profitability will also require careful risk management techniques
and a balanced credit portfolio.

All things considered, the analysis highlights Prime Bank Limited's promising future and
success in Nepal's thriving banking sector.

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 TABLE OF CONTENTS

Title page………………………………………………………………………………… i

Declaration……………………………………………………………………….……. ii

Supervisor's Recommendation ……………………………………………………….iii

Endorsement …………………………………………………………………………… iv

Acknowledgement ……………………………………………………………………….v

Table of Contents ………………………………………………………………………..vi

List of Tables ……………………………………………………………………………..vii

List of Figure ……………………………………………………………………………..vii

Abbreviations…………………………………………………………………………… ix

CHAPTER 1: INTRODUCTION……………………………………………. 1-11

Background …………………………………………..…………………………. 1
Profile of Organization …………………………………….……………………..2
Objectives ………………………………………………….……………………. 3
Rationale ………………………………………………………….……………... 3
Review ……………………………………………………………….………….. 4
Methods ………………………………………………….…………………….…8
Limitations ……………………………………………………………………… 11
CHAPTER II: RESULTS AND ANALYSIS ………………………………. 12-25

Data Presentations ……………………………………………………………… 12

Findings ……………………………………………………………………….... 24
CHAPTER TIT: SUMMARY AND CONCLUSION…………………….... 26- 27

Summary ……………………………………………………………………...… 26

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Conclusion …………………………………………………………………….... 27
BIBLIOGRAPHY …………………………………………………………..…. 28
APPENDICES

LIST OF TABLES

Table No. Name of Table Page No.

1. Deposit of Prime Bank Limited 13

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2. Current Deposit Position ofPrimeBank Ltd 14

3. Savings Deposit of Prime Bank Limited 15

4. Fixed Deposit of PrimeBank Limited 17
5. Call Deposit position of PrimeBank Ltd 19

6. Current Deposit Ratio 20

7. Saving Deposit Ratio 21

8. Fixed Deposit Ratio 23

9. Call Deposit Ratio 24

LIST OF FIGURE

Figure No. Name of Figure Page No.

1. Current Deposit Position ofPrime Bank Ltd 15

2. Savings Deposit of Prime Bank Limited 16

3. Fixed Deposit of Prime Bank Limited 18
4. Call Deposit position of Prime Bank Ltd 20

5. Current Deposit Ratio 21

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6. Saving Deposit Ratio 22

7. Fixed Deposit Ratio 23

8. Call Deposit Ratio 24

ABBREVIATIONS

% : Percentage

& : And

BBS : Bachelor of Business Study

B.S : BikramSambat

Etc. : Etcetera

F/Y : Fiscal Year

H.R : Human resources

i.e. : That is
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LTD : Limited

NEPSE : Nepal Stock Exchange

No. : Number

NRB : Nepal Rasta Bank

TU : Tribhuwan University