DEPOSIT MOBILIZATION OF

NEPAL BANGLADESH
BANK LIMITED

Submitted to

Pokhara University
Faculty of Management
Crimson College of Technology

Summer project report

in partial fulfillment of the requirement for the degree of

BACHELOR OF BUSINESS ADMINSTRATION

Submitted BY

Moti Bahadur Rana

Regd. No: 2008-02-03-0619
Exam roll: 930448

Butwal 2011
 ACKNOWLEDGEMENT

This project work assignment is an integral part of the subject

“Banking and Insurance” Which is one of the subjects of BBA programme
designed by faculty of Management. Pokhara University. The main objective
of this project work study is to fulfill partial requirement on project work
assignment by standing certain format which is prescribed by P.U. This is
the case study of deposit mobilization of NBBL Butwal Branch.

Today Banking and Insurance are the two very practical fields with
broad scope in the world. Only theoretical knowledge can not make a person
perfect and practical. So this study program has widened our thinking
through the practical knowledge which is the great chance provided by P.U.
for us. First of all I would like to thank P.U.

This study report of mine wouldn’t have been possible without the
guidance and help of teachers and staff members of NBBL Butwal Branch.
Therefore I would like to thank Mr. Devi Bhandari our campus chief, I
would like to extend my sincere thanks to my respected teacher Mr.
Gajendra Basnet and Mr. Sanjeev Bhandari who gave their valuable time for
the guidance and suggestion in the fieldwork assignment orientation class.

My study report would not be complete without thanking the NBBL

staff members. I wish to express my grateful thanks to Mr. Hari Prasad
Acharya, the branch manager of NBBL Butwal Branch for the acceptance of
my study proposal. I especially thank Mr. Shiva Pandey of NBBL for his
kind advice and providing relevant data and support while drafting this
project work report. I am also grateful to Mr. Om Prasad Sapkota, Amit
Sharma and other staff of NBBL for the substantial help and support.

Similarly I would like to extend my thanks to all who helped me, a lot
by computerizing this manuscript.

Moti Bahadur Rana

Crimson College Of Technology
Table of Contents page no

Recommendation i
Acknowledgement ii
Table of Contents iii
List of Table iv
List of Figures iv
List of abbreviation
Executive summary

CHAPTER: 1 Introduction 1-9

1.1. Introduction of Bank 1
1.2. Historical Background of Banking In Nepal 2
1.3. Meaning & Function of Commercial Bank 3
1.4. Introduction of NBBL 4
1.5. International Network % Relations 4
1.6. Background of NBBL 5
1.7. Organizational Structure of NBBL 6
1.8. Branch Network 7
1.9. Staff structure of NBBL Butwal Branch 8
1.10 Objectives of the study 9
1.11 Significance of the study 10
1.12 Limitations of the study

Chapter: 2 Research Methodologies

2.1 Research design
2.2 Methods of Data Collection
2.3 primary data
2.4 secondary data
2.5 tools for data presentation and analysis

CHAPTER: 3. DATA PRESENTATION & ANALYSIS

10-18

3.1 Presentation and Analysis of Data 10

3.2 Study Result 18
CHAPTER: 4. SUMMARY CONCLUSION &
RECOMMENDATION:
19-20

4.1 Summary of the Project work 19

4.2 Conclusion of the Study 19
4.3 Recommendation to the Bank 20

Bibliography
Abbreviation
Appendix
Location of NBBL, Butwal Branch
Bio- Data.
 LIST OF TABLE & FIGURE

LIST OF TABLE
Table No. Title Chapter Page No.

1. Interest Bearing Deposit 11

2. Saving Deposit/ Total Deposit Ratio 11
3. Call Deposit to Total Deposit Ratio 12
4. Fixed Deposit to Total Deposit Ratio 12
5. Loan & Adv. To Total Deposit Ratio 13
6. Total Yearly Deposit Ratio 14
7. Total Yearly Loan & Adv. Percentage 15
8. Total Interest Income & Expenses 16

LIST OF FIGURE
Figure No. Title Page No

1. Bar Diagram of Deposit & Adv. 13

2. Total Deposit & Total Adv Trend 14
3. Pie Chart of Yearly Deposit 15
4. Pie Chart of Yearly Loan & Adv 16
5. Bar Diagram of Total Int. Income & Expenses 17
6. Profit Mobilization Trend 18
CHAPTER – 1
INTRODUCTION

1.1 Introduction:

Nepal is a landlocked country with an area of 147,181 sq. km lie

between 26 22’ to 30 27’ north latitude and 80’ to 88 12’ east longitude. It
has an elongated shape. Nepal is a small country although it is beautiful
country. It is a mountainous country where there are hundreds of peaks and
ranges. It is the country of diversity. There are 14 zones and 75 districts in
our country. It borders with China in the north and India in the east, west and
south. Nepal is divided into 5 development regions. It is the second richest
country in water resources.

On the basis of attitude Nepal is divided into three divisions. The

mountains lies in the northern most part which covers about 35% land area.
The Hill lies just below the mountain which covers about 42% land area and
the terai lies in the southern part which covers 23% land. According to the
latest census of 2001 A.D., the total population of Nepal is 2,315,14,23.

1.1 Introduction of Bank:

Banks are among the most important financial institution in the

economy. It is an institution, which deals money, receiving, it on deposit
from customers, honoring customers drawing against such deposits on
demand, collecting cheque for the customers and lending or investing
surplus deposit until they are required for repayment.
According to US Law, any institution offering deposits, subject’s
withdrawal on demand and marketing loans of a commercial or business
nature in bank. So, banks are those financial institutions that offer the widest
range of financial services especially credit, saving and payments services
and performs the widest range of financial functions of any business firm in
the economy.
Bank means “A financial establishment for the deposit, loans
exchange or issue of money and for the transmission of funds”
 There are various concepts among the economists about the origin of
the World Bank. The term bank derives from the Latin word Bancus”, which
refers to the bench on which the bankers would keep its money and his
records. Some persons trace its origin to the French word “Banque” and the
Italian Word Banco which means a bench for keeping lending and
exchanging of money in the market.
The first bank called “Bank of Venice” was established in Venice in
year 1157. The Bank of Barcelona and the bank of Genoa was established in
1401 respectively. After this establishment of Bank was going on. The bank
of Amsterdam was established in Holland which was the great bank of the
seventeenth century.

1.2. Historical Background of Banking in Nepal.

In early ages there was very low economic standard of Nepalese
people. Our country is very rich in culture but economically very back.
Because of geographical difficulties and economic problems, earlier people
were not able to develop the standard in cultivation and some simple
handicrafts were the source of income for the majority of the population.
There was lack of good economic facilities and business to develop the
economic standard of people. In such situation people can develop their
traditional handicraft and traditional economic activates but are shield from
the developments around the world. In those days there was not vast use of
Nepalese Currency. Most of the parts country like Terai and border area use
Indian currency. There fore for import and export business people had to
depend on India.

Above 65% people were depend on agriculture. But there was not any
economically support to those farmers. There fore they had to borrow from
rich merchant of the village in high interest rate. This was the primitive
Banking system for Nepal.

According to the historical evidence in 1723A.D.gun Kamdev. The

kind of Kathmandu had borrowed money to rebuild and to rule Kathmandu.
Another historical example of banking system is a financial institution
named by Tejarath. Which was established to vive loan facilities to the
government staff and also to the general public in the term of 5% interest.
Another financial institution named ‘ Sainik Dravya Kosh” was established
in 1994 B.S. for the welfare of government staff.
 According to Nepalese company law commercial bank was
established by the name of Nepal Bank Limited. In 1994 B.S. which was the
first commercial bank in the history of Nepal. Nepal Rastra Bank was
established in 2012 B.S. to do the master function as a Central Bank. Then
Rastriya Banijya Bank (another commercial bank) was established in 2022
B.S.

1.3. Meaning and Function of Commercial Bank:

Commercial Banks should be established for developing the economic
condition of the country. Most of under developing countries are faced with
the problem of proper mobilization of the financial, physical and human
resources. So one of the chief undertaking used to overcome the problems of
mobilizing financial resources both internally and externally is to set up
banks, promote and activate them therefore commercial banks should
established. It provides financial service in different sector such as
agriculture, Industry, Trade, commerce etc in the country.
Likewise section 2 (a) of the commercial Bank Act 2031 has defined
the “Commercial Bank” as a bank which operates currency exchanges
transaction, accept deposit, provided loan, perform dealing relating to
commerce except the bank which have been specified for the loan, perform
dealing relating to commerce except the bank which have been specified for
the cooperative, agriculture, industry of similar other specific objectives.
Commercial bank play an important role in removing such economic
problems like inflation on and deflation of monetary trade, trade deficit and
budget deficit etc by capital formulation from deficits spending units (trade
and industry as well as general public).

The major functions of commercial banks according to Nepal

Commercial Bank act 2031 B.S. are as follows:

1) They accept deposit with or without interest. To do this they open

saving, current and fixed deposit accounts in the name of depositors.
2) They supply loans (Short term as well as long term what ever
necessary for trade and commerce) or make investment.
3) They help to issue shares and debentures of any company of any
others corporate body, guarantee or underwrite such shares or
debentures and undertake any agency business but not become a
meaning agent.
4) They grant overdraft and issue letter of credit draft and traveler’s
cheque.
 5) They remit or transit fund to different place with in and outside of the
country.
6) They purchase, sell or accept the securities of Government.
7) They provide many agency functions related information to their
clients and many other services.

1.4. Introduction of NBBL:

Just because of government encouragement and open policy for

joint venture bank operation, it was possible for NBBL to be established as a
joint venture bank. NBBL was established in 6th June 1994 (B.S.
2051/02/23) as a joint venture with International Finance Investment and
Commerce (IFCI) Bank Ltd. of Bangladesh. The joint venture partner IFCI
Bank Ltd is a premier commercial Bank of Bangladesh with 58 branches and
also has a joint venture exchange company in Oman and joint Bank in
Pakistan.
NBBL has been rendering modern banking services to the
different sectors of economy like manufacturing and service industries,
hydropower product traders, small organization and weaker sections of the
society through its 17 branches spread over all five development regions of
the country.
This Bank is the only Bank entrusted by the World Bank and
Nepal Government to be the Power Development fund Administrator
(PDFA) for the development of small level hydro power project in the
country.

1.5. International Network and Relations:

The bank has agency and correspondent relationship with more

than 190 prominent foreign banks in the World enabling its to carry out
remittance and foreign trade business.

Apart from the correspondent relationship, the bank has

established agency relationship with various foreign money transfer agencies
for getting inward remittance in to the country which are:
First Remit (an IMTA based in UK)
Money Gram ( an IMTA based in UK)
Krishi Premura HK Ltd. (an IMTA based in HK)
Ezremit of Bahrain financing company (a renowned money transfer agency
based in Bahrain which covers all the Middle East countries)
The bank also has very good network to remit and receive funds
from India. It has relationship with internationally known banks American
Express Bank, Standard Chartered Bank as well as with ICICI Bank Ltd,
which is the largest private sector bank in India having more than 540
branches all over India.

1.6 Background of NBBL:

NBBL was established with an authorized capital of Rs.

240mil. Divided into shares of Rs.100 each. Out of which Rs 120 mi, issued
capital and paid up capital was Rs. 60mil in establishment year 1994

It is a commercial bank established by issuing 30% share by

Nepalese citizens, 20% hold by Nepalese promoters and remaining 50%
hold by IFIC bank Ltd.

The Member of Board of Directors.

Mr. J.B. Shrestha Chairman

Mr. Shaful Islam Director
Mr. Habib Abu Ibrahim Director
Mr. Ataul Haq Director
Mr. Pramod Kumar Karki Director
Mr. Indra Pd. Rajbhandari Director
Mr. Lumb Dhoj Mahat Director
Mr. Ganesh Pd. Adhikari M.D.
 Board of Director
Company Security

Executive Director

General Manager Internal Audit

DGM Planning & New A/C Dept. Legal Share Deposit Operation Service

System Asst. General Manager Branches Recondition

Treasury Marketing Credit Loan Admits L/C & Guarantee L/C

1.8 Branch Network:

NBBL is providing services to its clients thought 17 branches at

present. It established its branches in all the development region of the
country. The branches situated at New Baneshor, Bijuli Bazar (Main
Branch), Putalisadak, New Road, Battar, Bhainsepati, Kalimati, lalitpur,
Janakpur, Butwal, Hetauda, Birgunj, Nepagunj, Biratnagar, Tatopani,
Dhangadi, Pokhara, Dharan. Its branch expansion program shall be
continues in the future.
1.9Staff Structure of NBBL Butwal Branch:

Branch Manager

Asst. Branch Manager Operation In charge

Credit L/C Guarantee General Banking Department Cash Department

A/C
System
Reporting

1.10 Objectives of Project Work:

The main objective of this study report is to know about collection of
deposit and mobilization. To achieve these main objectives we should create
further specific objective which are as follow."
1. To find the deposit mobilization trend of NBBL.
2. To analysis deposit mobilization trend of NBBL.
3. To provide suggestion and recommendation on the basis of study
analysis.
4. To complete the prescribed project work assignment report to submit
for the partial fulfillment of the requirement for the degree of BBS.

1.11 Limitation of the study:

The study is done for the partial fulfillment for the degree of the
Bachelor of Business Studies Program. So there are some limitations which
are as follows:
 1. The study is based on secondary data which are provided by
NBBL Butwal Branch
2. The data are mainly based an annual report of NBBL.
3. The study focused only on NBBL.
1.12 Significance of Study:

However the study has some limitation but there are many
significance of this study. Firstly, the bank has operated by equity and
borrowed capital sources. All types of deposits are one of the main borrowed
sources of capital. It is the main source of Bank to get success by the
banking transaction if they mobilize it properly.
Secondly, the study gives detail information about all types of deposit
of NBBL as well as loan and advance provides by the bank. So this study
helps those who want to know about it’s deposit mobilization.
Thirdly, this study shows deposit mobilization on trend. So we can
compare the yearly deposit and loan and advance condition of NBBL.
Fourthly, many parties are benefited by this study like students (as a
literature survey) well management group and others.
Lastly the main significance of study is to submit the prescribed
project work assignment report for the partial fulfillment of the requirement
for the degree of Bachelor of Business Studies.

1.13 Research Methodology:

Project work procedure:

The study is mainly based on secondary data which is provided by
NBBL, the related data are obtained by annual report of NBBL.
According to the need and objectives all the secondary data compiled.
Processed and tabulated in time service. Formal and informal things were
concern with the head of department of the bank which is also helpful to
obtain the additional information of the related problem.

1.14 Methods of data collection:

1) Primary Data: In concern with primary data it could not make the
strong result for research because of the topics and time limitation.
During my study period. I use some questionnaires and interview
method for collection of primary data but it couldn’t make strong
sources for my study.
2) Secondary Data: Secondary data becomes a supportive source to

conduct the result and analyze them during my study. In the process
of report writing the required data were collected through magazine,
bulleting and the annual reports. After sorting these data various tools
have been used to analyzing and interpret the financial aspect of the
bank. Thus secondary data has been used widely in overall context.
 CHAPTER -2
DATA PRESENTATION AND ANALYSIS

2.1 Presentation and Analysis of Data:

Introduction of deposit, loan and advance schemes of NBBL.

Deposit Schemes:
The deposit scheme of NBBL is divided into two categories which are as
follow:
1. Interest free deposit
2. Interest bearing deposit

1. Interest free deposit:

In this category interest free deposit are included. It is mainly of three
types.
i. Current deposit
ii. Margin deposit
iii. Other deposit

2. Saving deposit:
In this category interest is not free m earns it bears interest. The Bank
should provide interest on this deposit. It is mainly of three types.

i. Saving deposit: In this deposit NBBL provides interest

@ 4.5% p.a. with minimum balance of Rs. 5000 only.
ii. Saving plus deposit: In this deposit NBBL provides
interest @ 4.5% p.a. on daily balance with minimum balance of Rs.
50000 only.
iii. Call deposit: In this deposit NBBL provides interest
@4%p.a. ( in average)
iv. Grihini Bachat: In this deposit NBBL provides interest
@4.75% p.a. with min. balance of Rs. 1000 only.
v. Short term deposit (Fixed deposit): In this deposit
NBBL provides interest @ 4.8% p.a. NBBL has also introduced free
accidental insurance scheme up to 5 lack and medical insurance
benefits up to 10 thousands to the individual saving a/c holder.
2.2 Presentation and Analysis of Data:

Table No 1
Interest bearing deposit

F/Y Saving Call Fixed Certificate Total

of Deposit
2063/064 111343802 29523134 435658183 - 5765251202
5 5 2
2064/065 171684064 68215966 523678787 - 7635788191
8 0 4
2065/066 208688866 76604530 545362676 13417118 8319977851
5 6 2
2066/067 293335200 14521774 503158297 10938397 9428591109
1 1 0

From the above table, in fiscal year 2063/064the total interest bearing
deposit is Rs. 5765.25 million, in fiscal year 2064/065 it increases to
7635.79 million, in F/Y 2065/066 it increases to 8319.98 million and in F/Y
2066/067 also increases to 9428.59 million.
 Table No: 2
Saving Deposit Total Deposit Ratio (in Lakh)

F/Y Saving Deposit Total Deposit Ratio

2063/064 111344 646719 17.22
2064/065 171684 860081 19.96
2065/066 208689 951446 21.93
2066/067 293335 1058065 27.72

Formulae used:
Saving Deposit × 100
Total Deposit

From the above table the saving deposit to total deposit ratio in F/Y
2063/064 is 17.22%. In F/Y 2064/065 it increases to 19.96 %, in F/Y
2065/066 increase to 21.93%, in F/Y 2066/067 it increases to 27.72%.

Table No: 3
Call Deposit to total deposit ratio (in Lakh)

F/Y Call Deposit Total Deposit Ratio

2063/064 29523 646719 4.56
2064/065 68216 860081 7.93
2065/066 76604 951446 8.05
2066/067 145272 1058065 13.73

Formulae used:
Call Deposit × 100
Total Deposit
From the above table the call deposit to total deposit ratio in F/Y
2063/064 is 67.36% in F/Y 2064/065 it decreases to 60.89%, in F/Y
2065/066 again it decreases to 57.32% in F/Y 2066/067 it also decrease and
reaches to 47.55%
Table No.4
Fixed Deposit to total deposit ratio ( in Lakh)

F/Y Call Deposit Total Deposit Ratio

2063/064 4356558 646719 67.36
2064/065 523679 860081 60.89
2065/066 545363 951446 57.32
2066/067 503158 1058065 47.55

Formulae used:
Fixed Deposit ×100
Total Deposit

From the above table the fixed deposit to total deposit ratio in F/Y
2063/064 is 67.36% in F/Y 2064/065 it decreases to 60.89%, in F/Y
2065/066 again it decreases to 57.32% in F/Y 2066/067 it also decrease and
reaches to 47.55%

Table No.5
Loan and Adv. to total deposit ratio (in Lakh)

F/Y Call Deposit Total Deposit Ratio

2063/064 6467193594 4617097 71.39%
2064/065 8600812128 7358837 85.56%
2065/066 9514457399 8083987 84.96%
2066/067 10580648192 7961511 75.26%

Formulae used:
Total Loan & Adv. ×100
Total Deposit

From the above table total loan and advance to total deposit ratio in
F/Y 2062/063 is 71.39% in F/Y 2063/064 it increases to 85.56%, in F/Y
2064/065 it decreases to 84.96% in F/Y 2066/067 again it decreases 75.26%
and reaches.

Table No.6
Total Yearly Deposit Percentage

Fiscal Year Deposit Percentage

2063/064 646719 18.39
2064/065 860081 24.46
2065/066 951446 27.06
2066/067 1058065 30.09

Formula Used:
Yearly Deposit ×100
Total Deposit

Table No.7
Total Yearly Loan & Adv. Percentage

Fiscal Year Deposit Percentage

2063/064 4617/97 16.48
2064/065 7358837 26.26
2065/066 8/83987 28.85
2066/067 7961511 28.41

Formula Used:
Yearly Loan and Adv.. ×100
Total Balance and Adv..
Table No. 8
Total interest income and Expenses (in lakh)

Fiscal Year Total Interest Total Interest Difference

(Income) (Expenses) (Profit)
2063/064 60927 41500 19427
2064/065 81005 51585 29420
2065/066 85052 55274 29778
2066/067 101371 59788 41583

Formula Used: Total income - Total Interest Expenses

Fig. No. 1
Bar Diagram of Deposit and Advance
 12000000000

10000000000

8000000000

total deposit
6000000000
Advance

4000000000

2000000000

0
2062/63 2063/64 2064/65 2065/66

Fig. No. 2
Total Deposit and Total Advance Trend

1200000
1000000
800000
total deposit
600000
advance
400000
200000
0
3

6
/6

/6
/6

/6
62

63

64

65
20

20

20

20

Fig. No. 3
Pie Chart of Yearly Deposit
Deposit

2062/063
2063/064
2064/065
2065/066
 Fig. No. 4
Pie Chart of Yearly Loan & Advance

2062/063
2063/064
2064/065
2065/066

Fig. No. 5
Bar Diagram of Total Interest Income and Expenses

120000
100000
80000
Total Interest (Income)
60000
Total Interest (Expenses)
40000
20000
0
63

64

65

66
/0

/0

/0

/0
64
62

63

65
20

20

20
20
 From above bar diagram in 2062/063 the total int. income is Rs. 609 mil.
Where total int. exp. is Rs. 415 mil. Difference income is Rs. 194 mil. In f/y
2063/064 the total int. income is 810 mil. Where total int. exp. is Rs. 516
and difference income is Rs. 294 mil. In f/y 2064/065 the total int. income is
Rs. 851 mil. where total int. exp. is Rs. 553 mil. and the difference income is
Rs. 298 mil. . In 2065/066 the total int. income is Rs. 1014 mil. Where total
int. exp is Rs. 598 mil. and the difference income is Rs. 416 mil. From the
above table int. income is in increasing trend, total int. expenses is in slightly
increasing trend and the profit is also in increasing trend.

Fig. No. 6

Profit Mobilization Trend

450
400
350
300
250 Profit Mobilization
200 Trend
150
100
50
0
63

64

65

66
/0

/0

/0

/0
62

63

65
64
20

20

20
20
2.3. Study Result
However the interest bearing deposit of NBBL is in increasing trend
separately saving and call deposit are in increasing trend but in fixed deposit,
in starting it increases but lastly it decreases. (Table No. 1)
The saving deposit to total deposit ratio and call deposit to total
deposit ratio is also in increasing trend but the fixed deposit to total deposit
ratio is not in increasing trend. In starting it increases but lastly it decrease.
(Table No. 2,3,4)
But as a whole the total deposit trend is in increasing trend. Till
2064/065 it increases rapidly but later it increases slightly. (Fig. 2)
The loan and adv. of NBBL is increases till f/y 2065/066 but in f/y
2066/067 it decreases. We can see the load and adv. to total deposit ratio
where it increases up to f/y 2064/065 decrease there after.
But as a whole the loan and adv. trend is going up till 2065/066 and
then going down and total int. income is in increasing trend, total interest
expenses is in slightly increasing trend, but the profit increases rapidly from
2063/064 to 2066/067 then slightly increases and lastly from 2065/066 to
2066/067 again increase rapidly up to 416 mil.

CHAPTER - 3
SUMMARY, CONCLUSION AND RECOMMENDATION

3.1. Summary of the project work

Deposit is the one of the main source of the Bank Capital. The types
of deposit of NBBL are categories in two types, one is interest free deposit
and another is interest bearing deposit. Current deposit, margin deposit and
other deposits are included in interest free deposit where as saving deposit,
call deposit Grihini Bachat and fixed deposit are included in interest bearing
deposit. The deposits are collected by the bank from bank customer which
functioning as a life blood of the Bank. Basically the Bank mobilizes its
deposit to run well. To mobilize its deposit, the bank provides loan and
advances to their customer if they demand. The different types of loan and
advance has provided by the NBBL like working capital loan, term loan,
demand Loan, Trade finance loan, Hire Purchase, Housing Loan, Education
Loan Etc.
This study mainly aims to know the deposit and its mobilization. Its
specified objectives are to find analysis and interpret the deposit
mobilization trend of NBBL. To fulfill these objectives of the study, the
financial data are collected from financial statements of NBBL. The data are
collected for the period of year from 2063/064 to 2066/067. This study used
some financial ratios to analyzed and interpret.

3.2. Conclusion of the Study

By the overall study, I have found that the total deposit had followed
increasing trend over the period of time, indicating satisfactory position. The
saving deposit to total deposit ratio is in increasing trend. It indicated the
increase of saving deposit which is satisfactory. The call deposit to total
deposit ratio has followed increasing trend over all fiscal years, indicating
satisfactory condition of call deposit but the fixed deposit to deposit ratio
followed decreasing trend over all fiscal years, indicating the fixed deposit
of bank is not in satisfactory condition, It may be harmful to the bank in near
future if the trend is going decrease.
The loan and advance to total deposit ratio followed increasing trend
in starting but then decreasing, it shows the mobilization of bank is in
increasing in starting but decreasing there after. Overall it is satisfactory.

The total deposit and total adv. trend shows the mobilization of bank
is in increasing in starting but decreasing there after. Overall it is
satisfactory.
The total and total trend shows till f/y 2065/066 the bank has able to
mobilize its deposit very well but after that it can't able to mobilize its
deposit properly.
The difference of total int. income and total int. expenses means the
profit has followed increasing trend. The trend shows the satisfactory
condition of profit up to f/y 2065/066 after then shows good condition of
profit in f/y 2066/067. Overall it is satisfactory.
Therefore, by the above studies of NBBL, overall it has in satisfactory
condition not in better.

3.3. Recommendation to the Bank:

Although, from the available data, I have analyzed and interpret them
to get result but now this study is going to provide some suggestions and
recommendation that may be acceptable to the Bank Manager as an input to
their decision making.
 The fixed deposit to total deposit ratio is continuously going down. So
to increase this ratio NBBL tries to promote fixed deposit and attract the
customers for it means it should try to maintain the level of deposit.
There is also some problem in deposit mobilization the bank is not
utilizing its deposit properly. The bank should search the various productive
profitable sectors to mobilize its deposit. And also all the banks should
search the various productive profitable sectors to mobilize its deposit.
And also all the banks have to control their unnecessary expenses and
try to increase their profit by the proper management with the help of
promotional tools. So the bank must formulate the strategy to control such
problems by using modern technology, experts, and well trained personnel
and by providing better services.
ABBREVIATION

NBBL - Nepal Bangladesh bank Limited

IFIC - International Finance Investment and Commerce
B.S. - Bikram Sambat
IMTA - International Money Transfer Agency.
UK - United Kingdom
HK - Hong Kong
PDFA - Power Development Fund Administration
No. - Number
F/Y - Fiscal year
Amt. - Amount
Mil. - Million
Inte. - Interest
Exp. - Expenses
P.A. - Per Annum
Adv. - Advance