A SAVING DEPOSIT MOBILIZATION OF CASE STUDYOF

EVEREST BANK LIMITED NEPAL

A Research Proposal
Submitted By:
Janak Pandey
T.U. Regd. No.: 7-2-310-104-2020
Group: Finance

Submitted To
Shahid Multiple Campus
Faculty of Management Tribhuvan University
Kathmandu, Nepal

In Partial fulfillment of the requirements for the degree of

Rampur ,Palpa
March.2025
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 TABLE OF CONTENTS
Title Pages……………………………………………………………………………..………1

INTRODUCTION…………………………………………………………………….1

1.1 Background of the study………………………………………………………..1

1.2 Profile of the Company …………………………………………………2

1.3Objective of the study…………………………………………………………...3

1.4 Rational of the study …………………………………………………………3

1.5Methods …………………………………………………………………………4

1.6Limitation of the study…………………………………………………………..4

CHAPTER II RESULT AND ANALYSIS…………………………………………..10

2.1 Presentation of Results……………………………………………………….. 10

2.3Major Findings………………………………………………………………….10

CHAPTER III SUMMARY AND CONCLUSION ………………………………..11

3.1 Summary of the Study…………………………………………………………11

3.2 Conclusion of the Study……………………………………………………....11

BIBLIOGRAPHY…………………………………………………………………...12

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 CHAPTER I

INTRODUCTION

1.1 Background
Bank accepts deposit from them who can save but can’t utilize profitably. People know that
by depositing in the bank they could avail with many more facilities. By saving in the bank
people have the opportunity of earning interest, useful contingencies; avoid risk such as
theft lost accidents, the deposit of commercial banks is increasing because people know its
importance. So banks accept money on current saving and fixed deposit accounts. Deposits
are the main source of capital for the lending activities of the banks. Banks utilize
efficiencies to attract more deposits to increase credit activities. Deposits are withdrawing
able according to the terms of contract with the depositors to attract the people. The bank
maintains different types of deposit accounts (Ali &Naaem, 2016).
Saving Account are generally opened for the savings of customers (individuals, nonprofit
organization, charitable trusts, clubs, associations and cooperative) who want to save for
meeting future needs, Savings accounts is suitable for the customers who do not want to
withdraw frequently and who do not want to keep certain amount for fixed long period
(Regmi, 2016).
It is very hard to collect the correct information of the origin of bank. The word “Bank” has
derived from the Italian word “Banco” which means accumulation of money of stock. It is
believed that its origin is from the French word “Banque” which means “beach” for
keeping, lending and exchanging of money or coin in the market place by money lenders or
money changers. It is believed that the ancestors of modern banking system were merchants,
goldsmiths and moneylenders. Modern banking sowed its seed in the medieval Italy despite
strong Christian prohibitions against charging interest (Rao & Srinivas, 2016).
The bank had started in Italy in 12 th century as a public bank. The Bank of Venice that was
established in 1158 A.D. was the first bank in the history of banking. Following its
establishment various banks such as Bank of Barcelona, which was established in 1401 A.D
was the second bank of the world. Similarly, Bank of Geneva (1407), Bank of Amsterdam
(1609), and Bank of Hindustan (1770) were established. The first central bank was the
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 “Bank of England” which was established in 1844AD.
Bank is a financial institution, which is engaged in monitory transaction. Bank has always
been the most importance and largest financial intermediates. Banks collect the scattered
money from public providing those interests and services. This collection becomes the
capital for the bank to invest. “Banking means the accepting of money for the view of
lending or investment of deposit from the public repayable on demand or otherwise and
withdraw able by cheque, draft or otherwise”, is according to Banking Regulation Act 1949
of India. World Bank says “Banks or a financial institution that accepts funds in the forms
of deposit repayable on demand or at short notice.” (Mamun & Nandi, 2019).

1.2 Profile of Everest Bank Limited

Catering to more than 12 lacs customers, Everest Bank Limited (EBL) is a name you can depend
on for professionalized & efficient banking services. Founded in 1994, the Bank has been one of
the leading banks of the country and has been catering its services to various segments of the
society. With clients from all walks of life, the Bank has helped the nation to develop
corporately, agriculturally & industrially.
Punjab National Bank (PNB), India’s first Swadeshi Bank, commenced its operation on April 12,
1895 form Lahore and was the first bank purely managed by Indian with Indian Capital. During
the long history of the Bank, 9 banks have been merged with PNB.
Best MSME Bank (PSU) in 8th MSME Excellence Awards for FY’21 by ASSOCHAM.
Best Data Quality Improvement Award on Commercial Bureau for FY’21 amongst Public sector
Banks by TransUnion CIBIL
Jointly with M/s Infosys won the “Global Banking & Finance Awards 2021” in the category
“Initiative Core Amalgamation” for FY’21 by Global Finance Review Company.
Secured 1st position amongst peer banks under Agriculture Infrastructure Fund (AIF) campaign
launched by Ministry of Agriculture and Farmers Welfare.
The bank has now total 39,167 delivery channels with a network of 10,098 domestic branches, 2
International branches, 13,350 ATM’s and 15,719 Business Correspondents.
The Bank is having 2 International branches in Gift city, Ahmedabad and Dubai. The Bank has
two overseas subsidiaries viz. PNB International Ltd. London and Druk PNB Bank Ltd. Bhutan.

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Bank has its representative offices in Myanmar and Bangladesh.
As a joint-venture partner (holding 20% equity), PNB has been providing top management
support to Everest Bank Limited under Technical Service Agreement.
Everest Bank Limited (EBL) provides customer-friendly services through its wide Network
connected through ABBS system, which enables customers for operational transactions from any
branches. The bank has 124 Branches, 160 ATM Counters, 32 Revenue Collection Counters and
3 Extension Counters across the country making it a very efficient and accessible bank for its
customers, anytime, anywhere.

1.3 Objectives of study

The study is to fulfill the partial requirement of T.U to complete BBS project. The objective of
this project is to analyze of saving deposits of RBBL. The study intends to present a brief and
clear picture of deposit and its utilization. The objective of the study includes.
 To examine the saving deposit trend of Everest Bank Limited.

 To analyses the major sources of saving deposit

1.4 Rationale

Deposit collection is the major function of all commercial banks, which help to carry out almost
all transaction of the bank. Mostly among the various deposit features provided by commercial
banks, fixed and saving deposit are considered to be more important In the case of term deposit
although the banker pay interest (longer the period higher the interest). So, the study will find out
the saving position of banks as well as weakness and strength of the banks.

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1.5 Review of Literature
Literature review can be defined as the process of reviewing the studies or other relevant
research of work done in the subject matter so that all the past studies and conclusion and the
deficiencies may be known. An effective research is based upon the pas knowledge and a survey
of past literature. A review of previous related research includes review of various research
/scholar journals and articles and dissertation and other related studies. It can be illustrated in the
following manner.
1.5.1 Thematic Review
A thematic review of Everest Bank Limited would involve examining several key aspects of its
operations and strategic direction. First, the bank's financial performance, including profitability, asset
quality, and capital adequacy, would be assessed to understand its overall financial health. The bank's
customer segmentation and services would also be explored, focusing on its offerings in retail and
corporate banking, digital transformation efforts, and customer experience. Additionally, risk
management practices such as credit, market, and operational risk would be reviewed to gauge how well
the bank mitigates potential threats. Compliance with regulatory frameworks, including anti-money
laundering and corporate governance standards, would be another critical focus. Strategic initiatives, such
as expansion plans, sustainability efforts, and potential mergers or acquisitions, would provide insights
into the bank's long-term growth trajectory. Finally, the review would analyze the bank’s competitive
position, examining its market share, unique offerings, and how it stacks up against rivals in the industry.
Together, these elements would provide a comprehensive understanding of Everest Bank’s performance
and future prospects.
1.5.2 Theoretical Review
A theoretical review of Everest Bank Limited would involve applying various financial, economic, and
managerial theories to evaluate the bank’s operations and performance. Agency theory would be used to
explore the relationship between the bank’s management and shareholders, focusing on how well
management aligns its decisions with shareholder interests and the effectiveness of governance structures
in preventing conflicts of interest. Capital structure theory would assess the bank's approach to balancing
debt and equity financing, ensuring it maintains optimal levels of capital while managing risk and
meeting regulatory requirements. Additionally, stakeholder theory could be applied to understand the
bank's broader responsibilities to its customers, employees, and the community, assessing how well it
balances profit-making with social responsibility. Theories related to risk management, such as the risk-
return tradeoff and portfolio theory, could also be explored to examine how the bank manages various
types of risk, including credit, market, and operational risks. Finally, theories of competitive advantage,
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such as Porter’s Five Forces, would be useful in evaluating how Everest Bank positions itself in the
competitive landscape of the banking industry.
1.5.3 Empirical Review
An empirical review of Everest Bank Limited would be based on the analysis of actual performance data
and real-world outcomes, helping to assess the bank’s effectiveness in various areas. The review would
examine key financial metrics, such as profitability (e.g., net profit margin, return on assets, and return on
equity), asset quality (e.g., the level of non-performing loans), and capital adequacy ratios, which reflect
the bank’s ability to meet regulatory requirements and manage risks effectively. In addition to financial
performance, the review would also include an analysis of the bank’s customer base and satisfaction
levels, looking at indicators like customer retention, feedback, and the success of digital banking services.
An important part of the empirical review would be to investigate how Everest Bank has adopted new
technologies, such as mobile banking, digital payment systems, and online platforms, and assess how
these innovations have impacted customer experience and business growth. Furthermore, the review
would consider the bank's risk management practices, including how effectively it handles credit, market,
and operational risks, as well as its compliance with local regulations and international standards. Lastly,
the empirical review could assess the bank’s strategic initiatives, such as market expansion, new product
launches, or corporate social responsibility (CSR) activities, based on measurable outcomes like market
share growth or community engagement results.

1.6 Research Methodology

The research methodology is the process used to collect information and data. The
methodology may include interviews, survey, publication, research and other research
techniques.
1.6.1 Sources of Data Collection
Data can be collected from primary sources and secondary sources. Primary data re
first hand data collected through direct involvement of researcher whereas secondary
data are second hand data which are already collected by someone else and used by
research for his /her study. The major data used in this project report are collected
through secondary sources.
16.2 Secondary Data:
Secondary data are those data, that has previously been gathered and can be accessed
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 by researchers. Data in this project are collected from published as well as unpublished
sources. Secondary data used in this project are listed below:
• Annual financial reports of Everest Bank LTD.
• Of ficial website of Everest Bank LTD.
• Newspapers
• Books and articles

1.6.3 Data Presentation

Collect fact and information and data during the research period have been presented here
in systematic forms and condition that may convert the unprocessed data to an understandable
presentation for the easiness of interpretation and analysis using various financial and statistical
instrument.

Further, following tools have been used for data presentation:

 Tabulation
 Bar diagrams

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 1.7 Limitation of the study

The study does not present detailed analysis of deposit in EBL due to lack of time relevant data
and resources. This study is limited to the information that was available from the bank and other
sources.
 Annual reports of EBL will be taken

 This study only covers the data of five years only.

 The study is based only in secondary data so it may contain reporting errors.

This includes all sources used in the study, using APA format for citation.

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 CHAPTER II
2.1 Result and Analysis
Various statistical techniques used for the analyzed of data. Data are analyzed according to the
figures in the table extracted from the annual general meeting report of the bank and mentioning
the reasons of increasing and decreasing trend of data. The main purpose of this report is to show
the saving deposit trend of Everest Bank Limited its customer’s interest and CBL’s policy so for
as well as to recommended suggestion for its improvement through this study. The figures of
data are in Rupees. Every presentation can also is so that is indicated. For the purpose of analysis
the correlation is used. deals with data presentation and analysis of result and findings. It presentation of
data collected and analysis of result and findings of project work.

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 CHAPTER III

3.1Summary and Conclusion

Chapter three ,last chapter of the study focuses one valuating and interpreting the results
obtained. Further, it also deals with present implication of results obtained and conclusion drawn
useful for future studiesA work assignment report has been undertaken to make a thorough study
and analysis on the performance of Everest , which was established under the Company Act,
2063 and Banks and Financial Institution Act, 2063. Among many banks, it is a lending one,
which is always running in profit due to its proper management and good policies. The study is
based on the balance sheet prepared by Everest at the end of the fiscal year and necessary has
been under take with concentration area of the study is only on saving deposit.
The percentage of saving deposit out of total deposit in the beginning year is not satisfactory
which indicated the bank inability to attract the general public towards saving out of total deposit
in the beginning year is not satisfactory which indicated the back inability to attract the general
public towards saving. This is due inability of Everest to create confidence among general
public on its performance. However, the ratio of saving deposit is increasing year by year which
shows the success of Everest to attract more people towards deposit year and to create a reputed
image among general public. This upward slope of trend line of saving deposit from the left to
the right indicated that more people are attracting in saving deposit

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 BIBLIOGRAPHY

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