A STUDY ON CAMEL ANALYSIS OF JOINT VANTURE BANK

(With References to Everest Bank Limited)

A Project Work Report Proposal

By
Sushant Tamang
T.U. Regd. No.: 7-2-723-160-2019
Exam Roll No: 701480059
Group: Finance
Herald International College

Submitted to
The Faculty of Management
Tribhuvan University
Kathmandu

In Partial Fulfillment of the Requirements for the Degree of

BACHELOR OF BUSINESS STUDIES (BBS)

Basundhara, Kathmandu
July, 2024
 DECLARATION

I hereby declare that the project work report entitled "A STUDY ON CAMEL
ANALYSIS OF JOINT VANTURE BANK (WITH REFERENCES TO EVEREST
BANK LIMITED) " submitted to Faculty of Management. Tribhuvan University,
Kathmandu is an original peace of work under the supervision of Mr. Prem
Bishwokarma, and respected subject teacher Mahendra BC faculty member. Herald
International College, Basundhara, Kathmandu, and is submitted in partial fulfillment of
the requirements for the award of the degree of Bachelor of Business Studies (BBS). This
project work report has not been submitted to any other university or institution for the
award of any degree or diploma.

....................................
Sushant Tamang
Date: June, 2024

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SUPERVISOR’S RECOMMENDATION

iii
ENDORSEMENT

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 ACKNOWLEDGEMENTS

This study is mainly concern with the analysis of "A STUDY ON CAMEL ANALYSIS
OF JOINT VANTURE BANK (With References to Everest Bank Limited) ". It has been
prepared as per the course of Bachelor of Business Studies; fourth year. The report could
not be initiated without the assistance of some gracious people whom I must thank. I am
extremely grateful to Supervisor Mr. Prem Bishwokarma who gave me fruitful
suggestions and guidance to frame out this report and Tribhuvan University for their
generous encouragement and undertaking the supervision of my entire research work. I
also want to remember the librarians of Herald International College and Central Library,
T.U., who have helped me a lot by providing necessary books, thesis and information as
well. Similarly, I express my thanks to the staffs of the thesis department for their kind
co-operation, help and support. I am thankful to my friends who directly or indirectly
supported me during my research, especially my friends for being with me all the time till
the completion of this research. At last. I would like to express my sincere gratitude to
my parents for always encouraging and inspiring me in whatever way it is possible.

.................................
Sushant Tamang

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 TABLE OF CONTENTS

Title Pagei

Declaration

Supervisor’s Recommendation

Endorsement

Acknowledgement

Table of Contents

List of Tables

List of Figuers

Abbreviations

CHAPTER – I INTRODUCTION
1.1 Background
1.2 Profile of the Everest Bank Limited
1.3 Objectives of the Study
1.4 Significance of the Study
1.5 Literature Review
1.5.1 Conceptual Review
1.5.2 Review of Previous Studies
1.6 Research Methodology
1.6.1 Research Design
1.6.2 Population and Sample
1.6.3 Sources of Data
1.6.4 Data Collection & Processing Procedure
1.6.5 Data Analysis Tools and Techniques
1.7 Limitations of the Study
CHAPTER- II DATA PRESENTATION AND ANALYSIS
2.1 Data Presentation
2.1.1 Capital Adequacy Ratio

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 2.1.2 Asset Quality
2.1.3 Management Quality
2.1.4 Earnings Quality
2.1.5 Liquidity
2.2 Findings
CHAPTER III SUMMARY AND CONCLUSIONS
3.1 Summary
3.2 Conclusions
BIBLIOGRAPHY

APPENDICES

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 LIST OF TABLES

Table No. Title Page No.

Table 1Capital Adequacy Ratio of Everest Bank Limited

Table 2Non-Performing Loan Ratio of Everest Bank Limited
Table 3Management Quality
Table 4Return on Assets of Everest Bank Limited
Table 5Return on Equity of Everest Bank Limited
Table 6Liquidity of Everest Bank Limited
Table 7Current Ratio of Everest Bank Limited

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 LIST OF FIGURES

Figure No. Title Page No.

Figure 1: Conceptual framework of CAMEL

Figure 2: Capital Adequacy Ratio of Everest Bank Limited
Figure 3: Non-Performing Loan Ratio of Everest Bank Limited
Figure 4: Management Quality
Figure 5: Return on Assets of Everest Bank Limited
Figure 6: Return on Equity of Everest Bank Limited
Figure 7: Liquidity of Everest Bank Limited
Figure 8: Current Ratio of Everest Bank Limited

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 ABBREVIATIONS

CAR : Capital Adequacy Ratio

CR : Credit Risk
DER : Debt Equity Ratio
DTAR : Debt to Total Assets Ratio
EBL : Everest Bank Limited
FY : Fiscal Year
LCR : Liquidity Coverage Ratio
LR : Liquidity Risk
NIM : Net Interest Margin
NPL : Non-Performing Loan
NPM : Net Profit Margin
NSFR : Net Stable Funding Ratio
ROA : Return on Assets
TU : Tribhuvan University