A PROJECT REPORT ON FIXED DEPOSIT ANALYSIS OF

SANIMA BANK LIMITED

A Project Work Report

By:

Bimala Bhandari
Symbol No: 6160003
TU Regd. No: 7-2-616-46-2009
Adarsha Multiple Campus

Submitted To:
The Faculty of Management
Tribhuwan University
Kathmandu

In Partial Fulfillment of the Requirements for the Degree of

Gajuri, Dhading

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 April, 2019
DECLARATION

I hereby declare that the project work entitled, "A Study on Fixed Deposit Analysis of
Sanima Bank Limited" submitted to the Faculty of Management, Tribhuvan University,
Kathmandu is an original piece of work under the supervision of Mr. Prakash Acharya,
of Adarsha Multiple Campus, Dhading Gajuri, 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.

……………….
Bimala Bhandari
April, 2019

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 SUPERVISOR'S RECOMMENDATION

The project work report entitled, "A Study on Fixed Deposit Analysis of Sanima Bank
Limited" submitted by Bimala Bhandari of Adarsha Multiple Campus, Dhading
Gajuri, 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. Prakash Acharya

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 ENDORSEMENT

We hereby endorse the project work report entitled, "A Study on Fixed Deposit
Analysis of Sanima Bank Limited" submitted by Bimala Bhandari of Adarsha
Multiple Campus, Dhading Gajuri, in partial fulfillment of the requirements for award
of the Bachelor of Business Studies (BBS) for external evaluation.

………………………. ………………………..
Mr. Prakash Acharya Mr. Rudra Prasad Danai
Chairperson Campus Chief
Management Research Committee Adarsha Multiple Campus
Date: Date:

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 ACKNOWLEDGEMENT

The present study on Fixed Deposit Analysis of Sanima Bank Limited is an effort of
almost a month. The effort includes collection of the information and annual reports
through visit to the bank to the sorting of collected information and finally preparation of
this final report. During the period of field work study, it was however difficult to get the
data from the financial institution or organization but I overcome with the problem.

Through this report writing, I understood what a Graduation level student meant and
what report writing meant. It also developed the confidence in me to develop a financial
institution based report and to overcome the difficulties that come in our path. It’s all my
respected family, teachers and friends who helped me to reduce my difficulties and
prepare this report.

I would also like to express my thanks to Mr. Prakash Acharya, the research
supervisor, and Mr. Rudra Prasad Danai, the subject teacher as well as the as the
whole campus family for their guidance and invaluable suggestions for preparing this
field work report. Similarly, I also would like to thank all those who helped me directly
and indirectly in my project work.

Thank you!

Bimala Bhandari
Adarsha Multiple Campus

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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 Figures viii
Abbreviations ix

CHAPTER I: INTRODUCTION
1.1 Background of the study 1
1.2 Profile of the organization 4
1.3 Objectives of the study 5
1.4 Rationale of the study 6
1.5 Literature Review 6
1.6 Research Methodology 10
1.7 Limitations of the study 12

CHAPTER II: RESULTS AND ANALYSIS

CHAPTER III: SUMMARY AND CONCLUSION

BIBLIOGRAPHY
APPENDIX

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 LIST OF TABLES
Table No. Page No.

Table 2.1 Fixed Deposit trend of Sanima Bank 14

Table 2.2 Fixed Deposit to Saving Deposit Ratio 15

Table 2.3 Fixed Deposit to Total deposit Ratio 16

Table 2.4 Fixed Deposit to Current deposit Ratio 17

Table 2.5 Fixed Deposit to Call & Margin Deposit Ratio 18

Table 2.6 Fixed deposit to Cash and Bank balance ratio 19

Table 2.7 Fixed deposit to Loan and Advance ratio 20

Table 2.8 Fixed deposit to Investment ratio 21

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 LIST OF FIGURES

Figure No. Page No.

Figure 2.1 Fixed Deposit trend of Sanima Bank 14

Figure 2.2 Fixed Deposit to Saving Deposit Ratio 15

Figure 2.3 Fixed Deposit to Total deposit Ratio 16

Figure 2.4 Fixed Deposit to Current deposit Ratio 17

Figure 2.5 Fixed Deposit to Call & Margin Deposit Ratio 18

Figure 2.6 Fixed deposit to Cash and Bank balance ratio 19

Figure 2.7 Fixed deposit to Loan and Advance ratio 20

Figure 2.8 Fixed deposit to Investment ratio 21

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 ABBREVIATIONS

ABBS Any Branch Banking Service

ADBL Agriculture Development Bank Limited

ATM Automated Teller machine

B.S Bikram Sambat

FY Fiscal Year

C.B.B Cash and Bank Balance

CRR Cash Reserve Ratio

DCGC  Deposit and Credit Guarantee Corporation

Ltd. Limited

No. Number

NRB Nepal Rastra Bank

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