DECLARATION
I hereby declare that the project work entitled “CREDIT RISK MANAGEMENT OF
GLOBAL IME BANK LTD” submitted to Faculty of Management, Tribhuvan University,
Kathmandu is an original piece of work done under the supervision of Mr. Thakur
Lamichhane, faculty member, Jayamangala Multiple Campus, Ratnanagar, Chitwan, 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.
Anjali Ghimire
June, 2025
i
SUPERVISOR’S RECOMMENDATION
The project work report entitled “CREDIT RISK MANAGEMENT OF GLOBAL IME
BANK LTD” Submitted by Anjali Ghimire of Jayamangala Multiple Campus,
Ratnanagar, Chitwan 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 project work report for evaluation.
Thakur Lamichhane
Supervisor
Date: June, 2025
ii
ENDORSEMENT
We hereby endorse that the project work entitled “CREDIT RISK MANAGEMENT OF
GLOBAL IME BANK LTD” submitted by ANJALI GHIMIRE of Jayamangala Multiple
Campus, Ratnanagar, Chitwan, in partial fulfillment of the requirements for the award of
the degree of Bachelor of Business Studies (BBS) for external evaluation.
………………………………………….. ……………………………….
Management Research Committee Campus Chief, JMC
Date: June, 2025 Date:
iii
ACKNOWLEDGEMENT
This Report has been prepared for partial fulfillment of the required for the Bachelor
Degree in Business Studies. It is my privilege to complete this Report entitled "CREDIT
RISK MANAGEMENT OF GLOBAL IME BANK LTD."
I would like to express my heartiest gratitude and sincere thanks to my honorable Report
supervisors Mr. Thakur Lamichhane of Jayamangala Multiple Campus, Ratnanagar,
Chitwan for their scholar guidance with intellectual direction, supervision and inspiration
during the preparation of this Report.
I would like to extend my heartiest gratitude to the management committee of all Joint
Venture Banks together with the staffs of the banks because it would not have been
possible for me to complete my Report work without their help and co-operation.
I would like to express my sincere thanks to professor and lectures also the staffs of
Library and Administration of Jayamangala Multiple Campus, Ratnanagar, Chitwan who
helped me in the completion of this Report. Finally, I would like to thanks all my family
members and friends who inspired me to complete this Report.
Anjali Ghimire
BBS 4th Year
Jayamangala Multiple Campus, Ratnanagar, Chitwan
Ratnanagar, Chitwan
iv
TABLE OF CONTENTS
Page No.
Title page i
Declaration ii
Supervisor’s Recommendation iii
Endorsement iv
Acknowledgements v
Table of Contents vi
List of Tables vii
List of Figures viii
List of Abbreviations ix
CHAPTER I - INTRODUCTION
1.1 Background of the Study 1
1.2. Profile of the organization 2
1.3. Objectives of the Study 4
1.4. Rationale 4
1.5. Review of Literature 5
1.6 Methods 8
1.7 Limitation of the Study 9
CHAPTER II – RESULTS AND FINDINGS
2.1. Presentation and Analysis of Data with tables and figures 10
2.2. Major Findings 22
CHAPTER III – SUMMARY AND CONCLUSIONS
3.1. Summary 23
3.2. Conclusion 24
BIBLIOGRAPHY 26
v
LIST OF TABLES
Table No. Title Page No.
Table 2.1:Non-Performing Assets to Total Loans and Advances Ratio…….….11
Table 2.2: Annual provision for loan losses to total loans ……………………..12
Table 2.3: Net Profit to Loan and Advance Ratios …………………………….14
Table 2.4: Liquidity Risk Ratios………………………………………………..16
Table 2.5: Loan and Advances to Total Deposit Ratio…………………………18
Table 2.6: Operating Expense Ratio……………………………………………19
vi
LIST OF FIGURES
Figure No. Title Page No.
Figure 2.1: Non-Performing Assets to Total Loans and Advances Ratio…………12
Figure 2.2: Annual provision for loan losses to total loans ………………………13
Figure 2.3: Net Profit to Loan and Advance Ratios ……………………………...15
Figure 2.4: Liquidity Risk Ratios…………………………………………………17
Figure 2.5: Loan and Advances to Total Deposit Ratio…………………………..18
Figure 2.6: Operating Expense Ratio …………………………………………….20
vii
ABBREVIATION
B.S. Bikram Sambat
% Percentage
F.Y. Fiscal Year
LTD Limited
No. Number
NIC Nepal Industrial and Commercial
Rs Rupees
R&D Research and Development
SN Serial Number
VS Versus
NBL Nepal Bank Limited
& and
BBS Bachelor of Business Studies
i.e. That is
Reg no Registration Number
TU Tribhuvan University
ROA Return on Assets
ATM Automated Teller Machine
NPAT Net Profit After Tax
GIBL Global IME Bank Limited
EPS Earning Per Share
GDP Gross Domestic Products
II Interest Income
IT Information Technology
JVBs Joint Venture Banks
L&A Loan and Advance
LLP Loan Loss Provision
NRB Nepal Rastra Bank
viii
