SAVING DEPOSIT ANALYSIS OF NIC ASIA BANK LTD.

DADELDHURA BRANCH

A Project Work Report

By

Asha Ayer

T.U. Regd. No.: 7-2-163-04-2019

Symbol No.: 701630002
Mountain Multiple Campus
Bagbazar, Dadeldhura

Submitted to
The Faculty of Management
Tribhuvan University
Kathmandu

In Partial Fulfillment Of The Requirements For The Degree Of

BACHELOR OF BUSINESS STUDIES (BBS)
Bagbazar, Dadeldhura
July, 2024

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 DECLARATION

I hereby declare that the project work entitled "Saving Deposit of NIC Asia Bank Ltd.
Dadeldhura Branch" submitted to Faculty of Management, Tribhuvan University,
Kathmandu is an original piece of work under the supervision of Mr. Bhim Raj
Pandeya faculty member, Mountain Multiple Campus, Dadeldhura and is submitted
in partial fulfillment of the requirement for the award of the degree of Bachelor of
Business Studies (BBS). This project work repot has not been submitted to any other
university or institution for the award of any degree or diploma.

Asha Ayer

July, 2024

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 SUPRERVISOR'S RECOMMENDATION

The project work report entitled "Saving Deposit of NIC Asia Bank, Branch Office
Dadeldura" submitted by Asha Ayer of Mountain Multiple Campus, Dadeldhura, is
prepared under my supervision as per the procedure and format requirements laid by the
Faculty of Management, Tribhuvan University, as partial fulfillment of the requirements
for the award of the degree of Bachelor of Business Studies (BBS). I, therefore,
recommend the project work report for evaluation.

…………………………

Mr. Bhim Raj Pandeya

Mountain Multiple Campus
July, 2024

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 ENDORSEMENT

We hereby endorse the project work report entitled "Saving Deposit of NIC Asia Bank
Ltd. Dadeldhura Branch" submitted by Asha Ayer of Mountain Multiple Campus
Bagbazar, Dadeldhura in partial fulfillment of the requirements of the degree of
Bachelor of Business Studies (BBS) for external evaluation.

Mr. Mahesh Mahara Mr. Durga Mani Chataut

Chairperson, Campus Chief
Research Committee Mountain Multiple Campus
Bagbazar, Dadeldhura

Date: July, 2024

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 ABSTRACT

The student of BBS program of Tribhuvan University must carry out of fieldwork study
of two weeks by visiting the organization of project. The results of past year show those
students are not able to follow the requirement of faculty of management in writing the
report of their fieldwork. So this study attempts to uncover the common mistakes and
cases while writing the field work report. Students were found moderate in writing the
fieldwork report. They lack the habit of reading related books, do not get appropriate

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 ACKNOWLEDGMENT

This report is set up under the extraordinary arrangement of the commonsense field
learning which is set up to satisfy the necessity of Bachelor of Business Studies (BBS). I
might want to thank our college colleague for their support and encouragement.

A genuine thank to our campus chief Mr. Durga Mani Chataut for his valuable
direction and eagerness in readiness of this temporary position report and my supervisor
Mr. Bhim Raj Pandeya. Further, I would like to express my sincere thanks to
Tribhuwan University and Mountain Multiple Campus, for providing the opportunity of
preparing this short study (Report). Lastly, I would like to thank all other supervisor
friends, seniors and the staff of NICA Dadeldhura Branch who guided me in preparing
the report on NICA saving account. The guidance's that I received helped me to perform
my best and learn things that will surely prove to be helpful in my career.

……………

Asha Ayer

July, 2024

Thank you

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 TABLE OF CONTENTS
Declaration.
Recommendation.
Endorsement..
Abstract.
Acknowledgment.
List of table.
List of figure
List of abbreviation

CHAPTER-I INTRODUCTION
1.1 Background of the Study.
1.2 Banking History in Nepal.
1.3 Covid-19 Impact on Banking Sectors in Nepal.
1.4 Introduction of NIC Asia Bank..
1.5 Statement of Problem.
1.6 Objectives of thy Study.
1.7 Signification of the Study
1.8 Limitations of the Study.
1.9 Structure of the Report..

CHAPTER-II LITERATURE REVIEW

2.1 Conceptual Review.
2.1.1 Concept of Saving Deposit..
2.1.2 Types of Saving Accounts in NIC Asia Bank.
2.2. Review of Previous Work..
2.3 Review of Previous Studies...
2.4 Research Gap..

CHAPTER-III RESEARCH METHODOLOGY

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3.1 Introduction:-.
3.2 Research Design.
3.3 Data Sources..
3.4 Collection Data and Tabulation
3.5 Data Analysis..
3.6 Techniques and Instruments of Analysis..

CHAPTER-IV DATA PRESENTATION AND ANALYSIS

4.1 Data Presentation and Analysis:
4.1.1 Bank Deposits:
4.3 Major Finding.

CHAPTER-V SUMMRY, CONCLUSION AND RECOMMENDATION

5.1 Summary.
5.2 Conclusion
5.3 Recommendation.
BIBLIOGRAPTHY.

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 LIST OF TABLE

Table: 4.1 Saving Deposit. 21

Table: 4.2 Changing trend on interest rate different year.. 22

Table: 4.3 changing trend on saving deposit 23

Table: 4.4 Analysis of saving and total deposit ratio 24

Table: 4.5 Analysis of General saving to total deposit ratio 26

Table: 4.6 Analysis of Chetanshil Nari Bachat Khata to total deposit ratio 27

Table: 4.7 Depositors of savings deposit product. 28

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 LIST OF FIGURE

Figure: 4.1 Saving deposit. 22

Figure: 4.2 Interest rates. 23

Figure: 4.3 Change in percentage of saving deposit 24

Figure: 4.4 Saving deposit and total deposit. 25

Figure: 4.5 Analysis of General saving to total deposit ratio. 26

Figure: 46 Analysis of Chetanshil Nari Bachat Khata to total deposit ratio. 27

Figure: 4.7 Depositors of saving deposits products. 29

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 LIST OF ABBREVIATION

ATM : Automated Teller Machine

CAP : Credit Approval Package

CFOL : Credit Facility Officer Letter

CRD : Credit Department

CSD : Customer Service Department

NICA : NIC Asia Bank Limited

LC : Letter of Credit

NRB : Nepal Rastra Bank

SCT : Smart Choice technology

% : Percentage

BAFIA : Bank And Financial Instructional Act

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