A

FINAL PROJECT REPORT

ON

DEPOSIT ANALYSIS

(A specific case study on NABIL Bank Ltd., Kamaladi Branch)

By

TULASHA MAHARJAN

T.U.Reg.No.: 7-2-0170-0076-2013

Capitol Hill College

Symbol No.:1700057

Submitted To

The Faculty of Management

Tribhuvan University

Kathmandu

In Partial Fulfillment of the Requirement for the Degree of

BACHELOR OF BUSINESS STUDIES (BBS)

Kathmandu

2017
 REFERENCES

Books:

Bajracharya, B.C., “Business Statistics & Mathematics”, M.K.Publisher&Distributor.

Chandra, P.(1997), Financial Management: Theory and Practice. New Delhi: Tata

McGraw Hill Publishing Company Ltd.

Dangol, Ratna Mann, “Accounting for Financial Analysis and Planning”, Taleju

Publication and Distribution, Kathmandu.

Dahal, Bhuvan,“ A Hand Book to BANKING”, Ashmita Books & Stationery, 2007.

Gautam, Rishi R. and Kiran Thapa. (2065),”Capital Structure Management”. 2 nd

Edition, Kathmandu: Ashmita Publication.

Gupta, Dr. S.P., “Statistical Method”. Sultan Chand & Sons, 1995.

Gupta, S.C.,”Fundamental of Statistic,” Himalayan Publication, Bombay.

Joshi, Padma Raj,”Fundamental of Financial Management” Ashmita Publication.

Luitel, Chakrapanti,”A text Book of Binding”.

Manohar Krishna Shrestha, Dipak Bahadur Bhandari,”Fundamental of Financial

Institution & Market”, Ashmita Publishers and Distributors Pvt. Ltd., Kathmandu.
“Oxford Advance Learner’s Dictionary”, Oxford University Press.

Pandey, I.M., “Financial Management”, Vikash Publishing House Pvt. Ltd. 1999.

Vaidaya, Shakespeare, “Banking & Insurance Management”. Taleju Prakashan, 2008.

Report:
Annual report of NABIL bank, 2011

Annual report of NABIL bank, 2012

Annual report of NABIL bank, 2013

Annual report of NABIL bank, 2014

Annual report of NABIL bank, 2015

Annual report of NABIL bank, 2016

Websites:
www.nabilbank.com
www.nrb.org.np
 APPENDICES

Table no. 3

Calculation of % growth of total deposit,

Current year total deposit −Previous year total deposit

= × 100 %
Previous year total deposit

For 2011,

49114−50116
% growth ¿ = -2%
50116

For 2012,

54341−49114
% growth = = 11%
49114

For 2013,

62651−54341
% growth ¿ = 15%
54341

For 2014,

73847−62651
% growth ¿ = 18%
62651

For 2015,

102450−73847
% growth ¿ = 39%
73847

For 2016,

107846−102450
% growth ¿ = 5%
102450

Table no. 4

Calculation of % growth of current deposit,

For 2011,

−148
% growth ¿ = -5%
5605

For 2012,

1115
% growth ¿ = 20%
5457

For 2013,

699
% growth ¿ = 11%
6572

For 2014,

2275
% growth ¿ = 31%
7271

For 2015,

3302
% growth ¿ = 35%
9546

For 2016,

3389
% growth ¿ = 26%
12848

Table no. 5

Calculation of % growth of saving deposit,

For 2011,

2372
% growth ¿ = 20%
16661

For 2012,

3706
% growth ¿ = 26%
14289

For 2013,
 5341
% growth ¿ = 30%
17995

For 2014,

9266
% growth ¿ = 40%
23336

For 2015,

10113
% growth ¿ = 31%
32602

For 2016,

10723
% growth ¿ = 25%
42715

Table no. 6

Calculation of % growth of fixed deposit,

For 2011,

−828
% growth ¿ = -5%
17668

For 2012,

−2796
% growth ¿ = -17%
16840

For 2013,

−3259
% growth ¿ = -2%
14045

For 2014,

1069
% growth ¿ = 10%
10786

For 2015,
 4017
% growth ¿ = 34%
11855

For 2016,

−7003
% growth ¿ = -44%
15872

Table no. 7

Calculation of % cost of deposit

Interest Expenses
% Cost of Deposit ¿ × 100 %
Intereat Bearing Deposit

For 2011,

978
% Cost of Deposit ¿ = 2.3%
4323

For 2012,

667
% Cost of Deposit ¿ = 1.4%
47607

For 2013,

845
% Cost of Deposit ¿ = 1.5%
55158

For 2014,

756
% Cost of Deposit ¿ = 1.2%
64141

For 2015,

911
% Cost of Deposit ¿ = 1.0%
89528

For 2016,

989
% Cost of Deposit ¿ = 1.1%
91238
Table no. 8

Calculation of % ratio of cash reserve ratio (CRR),

Cash∧Bank Balance
% CRR = ×100 %
¿ Deposit

For 2011,

745
% CRR = = 4.4%
16840

For 2012,

1051
% CRR = = 7.5%
14045

For 2013,

1140
% CRR = = 10.6%
10786

For 2014,

1468
% CRR = = 12.4%
11855

For 2015,

1820
% CRR = = 11.5%
15872

For 2016,

1641
% CRR = = 18.5%
8869

Table no. 9

Calculation of % ratio of fixed deposit to total deposit,

¿ Deposit
% Ratio = ×100 %
Total Deposit

For 2011,
 16840
% ratio = = 34.3%
49114

For 2012,

14045
% ratio = = 25.8%
54341

For 2013,

10786
% ratio = = 17.3%
62651

For 2014,

11855
% ratio = = 16.1%
73847

For 2015,

15872
% ratio = = 15.5%
102450

For 2016,

8869
% ratio = = 8.2%
107846

Solutions: Table no. 10

Calculation of correlation (r) between fixed deposit and total deposit,

For Fixed Deposit (X),

ƩX
Mean ( X ) =
N

450249
=
6

= 13045

For Total Deposit (Y),

 ƩY
Mean (Y ) =
N

450249
=
6

= 75042

Then,

 xy
r
Correlation,  x2  y2

149190327
=
√ 47352111 √3083060890

149190327
=
6881×55525

149190327
=
382067525

= 0.390482

∴ r = 0.23
Table no. 11

Calculation of equation of trend line,

Now, Yc = a + bx

Where, a =
∑y
n

78267
=
6

= 13045
 b=
∑ xy
∑ x2
22481
=
19

= 2498

Here, equation of trend line Yc = a + bx

Then, the trend values are:

For 2011, Y1 = 13045 + 24498x (-2) = 8049

For 2012, Y2 = 13045 + 24498x (-1) = 10547

For 2013, Y3 = 13045 + 24498x (0) = 13045

For 2014, Y4 = 13045 + 24498x (1) = 15543

For 2015, Y5 = 13045 + 24498x (2) = 18041

For 2016, Y6 = 13045 + 24498x (13) = 20539