DEPOSIT AND INVESTMENT ANALYSIS OF PRIME

COMMERCIAL BANK LTD

A Project Work Report

By:

Manisha Khatri

Roll No:700500082

T.U. Reg. No: 7-2-50-1774-2020

Butwal Multiple Campus

Rupendahi,Butwal

Submitted to:

The Faculty of Management

Tribhuvan University

Kathmandu

In Partial Fulfillment of the requirements for the Degree of

BACHELOR OF BUSINESS STUDIES (BBS)

Butwal

June 2025
 DECLARATION

I hereby declare that the research work entitled "DEPOSIT AND INVESTMENT ANALYSISS
OF PRIME COMMERCIAL BANK" submitted to Faculty of management, Tribhuvan
University, is my original work done in the form of the partial fulfillment of the requirement of
Bachelor of Business Studies (BBS) under the supervision of Bishnu Prasad Pandey of Butwal
multiple campus. This project work report has not been submitted to any other University or
institutions for the award of any degree or diploma.

…………………………………

Manisha Khatri

Butwal Multiple Campus

June 2025

ii
 SUPERVISOR'S RECOMMENDATION

The project work report entitled "DEPOSIT AND INVESTMENT ANALYSISS OF PRIME
COMMERCIAL BANK " submitted by Manisha Khatri, Butwal MultipleCampus. is prepared
under my supervision as per the procedure and format requirement laid by the Faculty of
Management, Tribhuvan University, as partial fulfillment of the requirement for the award of the
degree of Bachelor of Business Studies (BBS). I, therefore, recommend the project work report
for evaluation.

………………………………………

Prof. Bishnu Prasad Pandey

Report Supervisor

Butwal Multiple Campus

July2025

iii
 ENDORSEMENT

We hereby endorse the project work report entitled" DEPOSIT AND INVESTMENT
ANALYSIS OF PRIME COMMERCIAL BANK." submitted by Manisha Khatri Butwal
Multiple Campus, in partial fulfillment of the requirements for award of the Bachelor of
Business Studies (BBS) for external evaluation.

……………………………… …………………………………

Prof. Om Prakash Aryal Dr.Arun Kumar Kshetree

(HOD Rearch and Development) (Campus Chief)

Butwal Multiple Campus Butwal Multiple Campus

June ,2025 June,2025

iv
 ACKNOWLEDGEMENT

I have taken efforts in this project. However, it would not have been possible without the kind
support and help of many individuals and organizations. Their contribution issincerely
appreciated and gratefully acknowledged. At the very outset, I feel deeply honoured in
expressing my heartfelt respect towards Tribhuvan University and Butwal multiple Campus for
providing me this opportunity to conduct my Project work as a partial fulfilment of the
requirement for the degree of Bachelor of Business Studies. I take this opportunity to express my
profound gratitude and deep regards tomy supervisor Bishnu Prasad Pandey for his examplary
guidance monitoring and continuous encouragement throughout this project report.

Similarly, I would like to express my gratitude towards our campus chief Dr.Arun Kumar
Kshetree sir for his kind co-operation and encouragement in completion of this project report.
Moreover, I am highly indebted to all my teachers of Butwal Multiple Campus who has provided
crucial infomation through orientation class regarding preparation of project report.

The experience I had with Butwal Multiple Campus was a great chance forlearning and
professional development. I consider myself very lucky to be provided with opportunity to be
part of it.

I place a deep sense of gratitude to my family members who have been invariable source of
inspiration durig the preparation during the preparation of thisproject work. I would also like to
thank my friends for their encouragement and motivation in preparing this report.

Submitted by:

Manisha Khatri

BBS 4th Year (Finance Group)

Butwal Multiple Campus

v
 Table Of Contents
Title Page……………………………………............................................. i

Declaration………………………………………….................................. ii

Supervisor's Recommendation……………………..................................... iii

Endorsement……………………………………………............................. iv

Acknowledgement……………………………………................................ v

Table of contents…………………………….................................……..... vi

List of tables .....................................…....................................................... viii

Abbreviations ……..…………………………............................................ viii

CHAPTER I: INTRODUCTION

1.1 Background ….…………...……………...................................................... 1

1.2 Profile of Organazation……………............................................................. 2

1.3 Objectives ………………………………………….................................... 3

1.4 Rationale …………………………………………...................................... 4

1.5 Review …………………………………………......................................... 5

1.6 Research Method ……………………………............................................. 5

1.7 Limitation .……………………………….....……................................... 8

CHAPTER II: RESULT AND ANALYSIS

2.1 Data Presentation ………………………………......................................... 5

2.2 Analysis of Result …….…………………….............................................. 5

2.3 Finding .....................…………………………........................................... 5

vi
CHAPTIER III: SUMMARY AND CONCLUSIONS

3.1 Summary ………………………………………………………………. 16

3.2 Conclusions ………….………………………………………...………… 16

BIBLIOGRAPHY ……………………………..…………………………………………... 18

vii
 LIST OF TABLE
Figure No. Tittle

2.1 Deposit Of Prime Commercil Bank 11

2.2 Invetnent Of Prime Commercil Bank 13

2.3 Coefficent Of Correltion Of Investment And Deposit Of Prime Commercial Bank 15

LIST OF FIGURES

2. 1 Total Deposit Of Prime Commercial Bank 12

2. 2 Investment Provided By Different Sedcture In Different Facial Year Of Prime

Commercial Bank Limited 14

LIST OF ABBREVIATIONS

AD : Anno Domini

BBS : Bachelor Of Business Studies

NRB : Nepal Rastra Bank

NEPE : Nepal Stock Exchange

NCC : Nepal Credit & and Commerce Bank Limited

PCL : Prime Commercial Bank

viii
 CHAPTER - I

INTRODUCTION

1.1 Background

A bank is a financial institution which deals with money, receiving it on deposit from Customer:
honoring customer's drawing against such deposit on demand, collecting cheques for customers
and lending or investing surplus deposits until they are required for payment. In the present days,
various types of banks are established, for Instance, industrial banks, commercial banks,
agriculture banks, joint venture banks, co-operative banks and developments banks, these banks
help financial market facilitate the flow of fund from surplus to deficit units.
Like all businesses, banks make profit by earning more money than what they pay I expenses.
Surendra.2013 has stated that "Profit is the reward of management of an organization. It is the
excess of revenue over cost". The major portion of a bank’s revenue comes from the fees that it
charges for its services and internet that it earns its assets. Its major expense is the interest paid
on its liabilities. The major assets of a bank are its loans to individuals. Businesses and other
organizations and treasury and other securities it makes Investment while its major liabilities
are its deposits and the money that it borrows, either from other banks or by selling commercial

paper in the money market.

Deposits in a Bank are of many types. Like saving bank account or deposit a/c. These are normal
deposit accounts where the account holder keeps his regular stream of money beyond his normal
day to day requirements on continuous basis. There is no limit on the amount to be deposited, but
some restrictions are applied for withdrawing the same. Then fixed deposit or term deposit
account is deposited only once for affixed term and as soon as it matures, after the expiry of the
stipulated term, gets his balance with interest, if any, back. It can be renewed again for a fixed
term as above. There is no limitation on the number of such deposit accounts one may open
separately or simultaneously with the same Banker. And recurring deposit or progressive deposit
account is opened with a view to deposit a fixed sum of money-regularly over a period of lime
and after the expiry of that period get back the aggregate of all amounts regularly deposited
along with profit earned there on.
1
People deposit their saving in trust of banks repay their deposits promptly when they demand for
it. If one bank fails to repay the deposited amount to the public then there will be run in another
banks and it leads to insolvency of the banks. So, as the regulator, supervisor and inspector NRB
always dictate the activities of the banks in the country. It checks its directives from time to time
in order to have fair competition between the banks and to safeguards the deposits of the public.
As number of banks in the country increase NRB has to be more active towards its regulative
and supervising role.

Commercial banks are the main source which motivates people to save their earnings. Bank
deals in accepting the saving of people in the form of deposit collection and invest it in the
productive area. They give the loan to the people against real and financial assets. They transfer
monetary sources from savers to users. In other words. They are intermediate between lender and
receiver of fund they mobilize the deposit or fund.
Development of the country, which deals in the process of canalizing the available resources in
the needed sectors. People keep their surplus money as deposits in the banks and hence banks
can provide such funds to finance the industrial activities in the form of loans and advances. It
shows the firm/institution past growth in sales and the level of development that it is going to
undertake in coming years. So, a careful analysis of credit lending procedure and recovery policy
enables a manager and concern people to evaluate relative strength and weakness of the firm in
relation to various aspect of film's credit lending procedure and recovery policy.

Furthermore, the profitability of commercial banks may also be affected by economic booms and
recessionary periods. In this circumstance, the varying economic conditions from one year to
another can also be expected to have an impact on the profitability of these institution.

2
1.2. Profile of Organization

Prime Commercial Bank Ltd. was incorporated in September 2007 as the 21st commercial bank
in Nepal. We are a Category 'A' Financial Institution registered under the Banks and Financial
Institutions Act'" of Nepal. It has been established by prominent business personnel and

professionals from diversified areas with a prime objective of providing 'Banking Services to
Everyone' in the country where still large number of populations are deprived of Banking
Services. The bank has 192 branches in all over Nepal.

The bank has established itself as an emerging player in financial sector with focus in customer
service excellence maintaining excellent relationship with valued customers. It is counted among
the top 10 commercial banks in Nepal by independent ratters and publications in the country.
The Bank's shares are listed and actively traded in the Nepal Stock Exchange (NEPSE).

Prime Commercial Bank Limited is a commercial bank in Nepal. The bank is an A' class
commercial bank licensed by Nepal Rastra Bank and has branches all across the nation with its
head office in Kathmandu which provides entire commercial banking services. The bank's shares
are publicly traded as an 'A' category company in the Nepal Stock Exchange.

The bank has been maintaining harmonious correspondent relationships with various
international banks from various countries to facilitate trade, remittance and other cross border
services. Through these correspondents the bank is able to provide services in any major
currencies in the world.

Prime Commercial Bank has been established by prominent business personnel and professionals
from diversified areas with a prime objective of providing "Banking Services to Everyone' in the
country where still large number of populations are deprived of Banking Services. The bank will
endeavor to establish itself as technology savvy and customer friendly and try to maintain good
relationship with its customers. The bank has been established with following capital:
Authorized Capital NPR. 300 crores Issued Capital NPR. 231 crores Paid up Capital NPR.
224.57 crores

3
1.3 Objective
The objective of the study will be

 To examine relationship between the amount of total deposit and amount of total credit
granted by PCBL
 To explore the deposit trend of PCBL
 To identify the relationship between deposit and profitability of PCBL

1.4 Rationale
Banks and other financial institutions play important role to increase economic standard for the
development of the country. Economic development becomes slow if there are incomplete and
unfair banking facilities. Especially commercial banks provide different economic and technical
facilities to the people who involve in business activities. Commercial banks play major role in
collection of scared small savings form depositors and transfer these funds into productive
sectors for the economic development.

As the research done in any field there are several key factors that cannot be avoided, in which
significance of study also occurs. Mainly this study covers the deposit and profit position of
commercial banks, so it helps to reveal the financial position of banks and study occupies an
important role in the series of the studies on commercial banks. The significances of the study
are:

 Important to know how well the bank is utilizing its deposits.

 Important to policy formulator and also be useful for academic professionals, students
particularly those involves in commerce, CA and financial institutions to formulate
policies and plans on the basis of the performance of the bank
 Important to the management party of selected banks for the evaluation of the
performance of their bank and comparison with other banks.
 Important for the investors, customers (depositors, loan takers) and personnel of bank to
take various decisions regarding deposits and loan advances.

This study will be equally important to the others who are interested to know about the area.

4
1.5 Review
Review of literature means reviewing research studies or other relevant proposition in the related
area of the study so that the past studies, their conclusion and deficiencies may be known and
further research can be conducted. This chapter will help to check the chances of duplication in

the present study. Thus, the gap between the previous research and current research can fill out
(Fry, 1974).

Review of literature consists of two parts where first part deals with the advancement of
knowledge regarding on deposit and profitability In second part, researcher presents comment
and resolution on the study initially made in the concerned component related to the study.
Review of literature means reviewing research studies or other relevant propositions in related
area of the study so that all the past studies, their conclusions and deficiencies may be known and
further research can be concluded. It is an integral mandatory process in research works
(Pradhan, 2053).

1.5.1 Conceptual Review

The objective of literature review is to present basic concept deposit and profitability provided
by various renowned writers through different books, journals and research papers. Various
independents studies, unpublished previous thesis, article, journals are incorporated, in this
chapter. Reviewing these all provides us background to research work, guidelines to deal with
prospective below consecutively.

The institutions that deliver these services can develop within a few years, into sustainable
organizations with steady growing outreach. Difficult Topography, remoteness, heterogeneous
groups and culture, etc., have hindered for the successful delivery of commercial bank in Nepal.
Principally, commercial bank institutions pursue the income generating activities to promote the
profit of the poor by providing basic services. And contribute in upgrading their economic and
social standard

(Keynes, 199

5
1.6 Research Methods
Research methodology is necessary for each research work. Research methodology is the way to
solve the research problems systematically. The research methodology considers the logic behind
the methods used in the context or research study and explains why particular method or
technique is used. It also highlights about how the research problem has been defined. What data
have been collected, what method has been adopted. The methodology term can be defined as
the process through which certain things are to be calculated process wise. It includes collection
of data, analysis and interpretation. The purpose of the various data collection technique is to
purpose truth worthy evidence that is relevant to the need of the research being done.

1.6.1 Research design

To achieve the goal of the study has used the available data from the secondary as well as
primary source. Analytical as well as descriptive research design has been adopted to clarify the
situation through presentation and analysis if various data. Descriptive research is a type of
research that describes a population, situation, or phenomenon that is being studied. It focuses on
answering the how, what, when, and where questions Ifa research problem, rather than the why.

1.6.2 Population and Sample

Consider as the targeted population commercial Bank Ltd., i.e.27 banks for the among all the
banks which are presented above, only two banks taken as a sample for impact in deposit
collection its profitability in Nepalese commercial banks on NMB bank limited and Laxmi
Sunrise Bank in Nepal. Sample is taken by using convenient sampling methods.

1.6.3 Sources of Data Collection

In the report the researcher is using only secondary data. Because they are found release,
adequate and suitable for the enquire in hand. They are ready made and collected by other
already. They obtained from sources like annual report. Previous field work report, official
records and provided data published from bank. The secondary sources of data are collected. (a)

6
Secondary Sources. Annual report and official record. Data collection and analysis of these
NMB Banks Ltd and Sanima Bank.

1.6.4 Data Presentation and Analysis Tools

The various results obtained with the help of financial, accounting and statistical tools are
tabulated under different headings. Then they are compared with each other to interpret the
results. Such as coefficient of correlation between different variables has been used, which are
presented below: Mean, Coefficient of Correlation analysis (t); Coefficient of Variation (C.V),
Standard Deviation (S.D) and Simple table, bar diagram, Trend analysis, percentage, correlation
and regression. For the following ratio are: -

 Financial Tools
 Statistical Tools and Techniques

The statistical tools have been used in this study to achieve set up objective are as follows.

Arithmetic Mean

Arithmetic mean or average is the set of observation that present the entire data, its value lies
somewhere in between the extremes. For this reason and average is frequently referred to as a
measure of central tendency. It is denoted by X. Symbolically.

Mean (X) = Ex/N

Where Ex= Sum of all value of the variable x

N= Number of Observation

X= Variables involved

Standard Deviation

The measurement of the scatter necessary of the data from mass of figure in a Series able an
average is known as dispersion. The standard deviation measures the absolute dispersion. If the
amount of dispersion is greater than standard deviation is al« 2reater. The small standard
deviation means a high degree of uniformity observation well as homogeneity of a series and
vice-versa.

7
1.6.5 Coefficient of Correlation

Correlation analysis is the statistical tools that can be used to describe the degree t which one
variable is linearly related to another. The correlation coefficient measures the degree of
relationship between two sets of figures. In this study, correlation coefficient is used to determine
the relationship between different factors, as like as, dividend per share, earning per share and
market price per share. Correlation coefficient is must widely use in practice correlation can
either be positive or it can be negative

1.7 Limitation

Every research is bounded by constrains such as time, value, coverage and economic resources.
This study is based on two banks which on located in Butwal, have similar per capital and staff
members. Present study has very much challenging no. Of limitations that should be faced during
the study period. Due to the boundary of time & researchers present study has been confined to
the limitation of the following factors

 This study is mainly based on secondary data such as annual report of the banks, other
related journals, magazines, books websites etc. So, the reliability of the conclusion of
the study depends upon the accuracy of the secondary data.
 Coverage of time period: These studies cover the data of 5 years period from2076/77 to
2080/81
 Use of secondary data: All the direct & indirect impact of the banking system will not be
studied due to limitation of time factor and budget.
 In this study only two commercial bank is selected which is PCBL

8
 CHAPTER - II

RESULTS AND ANALYSIS

2.1 Data Presentation

2.1.1 Structure of Total Deposit in Different Fiscal Year

Deposit trend helps to analysis the bank's performance in term of deposit collection. Deposit
trend also help to depict the efficiency of the bank and consumer faith towards the bank. Bank
provides six types of deposit schemes to its account holder.

They are:

 Current deposit
 Saving deposit
 Call deposit
 Fixed deposit
 Margin deposit
 Other deposit

a. Current deposit

Current deposits are non interest hearing account. It is a running account to which the
customers can develop funds at any time and with draw out those funds without prior notices.
In this type of account, it has margin account business organization account and individual
account. For these types of account bank does not allow any interest.

b. Saving Deposit

9
 Saving deposit is the deposit maintained by saving account holders. Saving account is an
interest-bearing account nom normally opened by individual and non-trading can open
that are by recessing minimum balance of Rs. 5000 during banking hours. The account
holders are paid interest for the balance account at this pervading vote. L.B.L facilitate is
customers buy this account.

c. Call Deposit
It is interest bearing account with all other facility are as current normally big Corporate
house, government enterprise, and financing institution can open a call account. The bank
does not encourage call account. The interest on call account is always high and they are
always of corporate houses.

d. Fixed deposit
Fixed deposit is time deposit which is accepted by the bank at the fixed rate of interest agreed
upon the period of maturity for which they are accepted. The bank after the interest rate on
fixed deposit upon the size of deposit and the period of maturity. The bank offers higher
interest rate for a long-term deposit and lower interest rate for short term deposit.

e. Margin Deposit
It refers to the security deposit by the customer with a broker, or the governing options
contract as a surety for fulfilling the contract. A margin deposit is used as a guarantee that the
contract in question will be fulfilled.

f. Other Deposit
In the financial account, the item other deposit includes all loans, others loan transferable
deposit, on the central bank, other depository institution government units and in some cases,
on institutional units that are represented by evidence of deposits.

10
 TABLE 2.1.1

Deposit of Prime Commercial Bank

(in millions)
Fiscal Year 2076/77 2077/78 2078/79 2079/80 2080/81

Current Deposit 2370 3548 7958 8868 8868

Saving Deposit 385 705 1971 2114 2114

Call Deposit 12345 19720 26038 33325 33325

Fixed Deposit 14034 19633 40666 53484 53,484

Margin Deposit 15312 21215 16509 15912 15,912

Other Deposit 20456 11518 1437 1228 1228

Total 64902 76339 94579 114923 114,923

(Source: Annual Report of PCBL)

Table 2.1 shows the deposit composition in different fiscal year such as 2076/77BS to 2080/81
BS. The various deposit composition is current, saving, fixed, call and margin deposit
respectively. According to the table it shows that there is highest fixed deposit and less deposit in
margin deposit. Like the deposit are increasing in every fiscal year.

11
 2076/77 2077/78 2078/79 2079/80 2080/81

current deposit margin deposit saving deposit

fixed deposit call deposit other deposit

Figure 2.1.1: Total Deposit Composition of Prime Commercial Bank Limited

Figure 2.1.1 shows the total deposit composition of Prime Commercial bank Limited in Fiscal
year 2076/77 to 2080/81 BS. According to the figure it shows the deposit composition of the
bank there is high in fixed deposit and less in margin deposit. Like the other deposit are
increasing in every fiscal year.

2.1.2 Various Types of Investment provided by PCBL

Each and every corporation has its own terms and condition for investment flow in the same way
PCBL invest under its own terms and conditions. The company invest by their return
performance. While investing the amount in different sectors, different rules and regulation and
account to its nature must be published. Hence, some of the investment invested by PCBL are as
follows:

a. Real Estate
b. Assets

12
 c. Bonds
d. Debenture
e. Other investment

Table 2.1.2

Investment of Prime Commercial Bank Limited

Type of loan 2076/77 2077/78 2078/79 2079/80 2080/81

Real estate 3335 6812 7762 8562 8562
Assets 1150 4117 4358 5087 5087
Bonds 2636 4364 6159 7715 7715
Debenture 14984 17863 21431 36438 36,46
Other
33245 32830 46367 49447 49447
investment
Total 55350 65986 86007 107249 107,249
(source: Annual Report of PCBL)

Table 2.1.2 It shows the investment invested on different sector in different fiscal year such as
2076/77 to 2080/81 The investment invest by prime commercial Bank is real state investment
assets bond, debenture and other investment. The total investment of the bank is Rs 55350
million Rs 65986 million, Rs 86007 million and Rs 107249 million

13
 Real Estate
Assets
Bond
Debenture
other investment

2076/77 2077/78 2078/79 2079/80 2080/81

Figure 2.1.2: Investment invest on different sectors in different fiscal year of

Prime

Commercial Bank
Figure 2.1.2 It shows the investment invest on different sectors in different fiscal yearsuch as
2076/77 to 2080/81BS. The investment invest by Prime Commercial Bank is real estate, assets,
bonds, debentures & others investment. According to the figure it shows the investment
high invest in others invest than term investment and less in assets and real estate investment.

2.1.3 Correlation between Deposit and Investment in Different Year

The correlation between deposit and investment can be analysis by following table. Let the total
investment be X and the total deposit be Y respectively.

Coefficient of correlation measures the degree of relationship between two variables, investment
and deposits of two sample banks. Investment is independent variable (X)and the total deposit is
dependent variable (Y). The purpose of computing is to find out the relationship and advance and
total deposit is going to same direction or opposite direction.

14
 Table 2.1.3

Coefficient of correlation of investment and Total Deposit of Prime

Commercial Bank Ltd

Year (X) (Y) XY X2 Y2

2076/77 55 64 3520 3025 4096
2077/78 65 76 4940 4225 5776
2078/79 86 94 8084 7396 8836
2079/80 10 11 110 100 121
2080/81 10 11 110 100 121
∑X2=1484
N=5 ∑X=226 ∑Y=256 ∑XY=16764 ∑Y2=18950
6

Table 2.1.3 shows that the relationship between investment and deposit of prime commercial
Bank. The correlation between investment and deposit of banks respectively,

Now,

X= Investment

Y= Deposit

Coefficient of correlation between and deposit of the bank is s positive 0.99.

2.2 Analysis of Result

This study is about the investment analysis of Prime Commercial Bank Limited. This Study is
based on five fiscal year data i.e. 2076/77 to 2080/81 BS. After analysis the result, we came to
know that how much deposit was done on various types of deposit between fiscal year 2076/77to
2080/81 BS. According to research, deposit composition of the bank is high in fixed deposit and
less in margin deposit. Likewise, the PCBL invested in five different types of investment sectors.
Among them term investment and over investment are high because those investment are
invested for the long term which directly help business, industries and agriculture.

15
2.3 Findings
From the presentation and analysis of data made above, many results of findings of the bank
have found. Some of the major findings are presented as follows:

 The various deposit composition is current, saving, fixed. Call and margin deposit
respectively. According to the table it shows that there is highest fixed deposit and less
deposit in margin deposit. Like the deposit are increasing in every fiscal year.
 The investment invested by Prime Commercial bank is real estate. assets, bonds,
debentures &amp: others investments. The total investment of the bank is Rs 55.350
million. Rs 65.986 million. Rs 86.077million and Rs 107.249 million.
 The relationship between investment and deposit of Prime commercial bank.
The correlation between investment and deposit is Rs 0.99 which is perfectly positive.

16
 CHAPTER - III

SUMMARY AND CONCLUSION

3.1 Summary

This project work fulfils the gap by giving an idea about the mobilization deposit
investment analysis of and Prime commercial bunk limited. Prime commercial bank
limited are one of the nation's premier financial institutions consistently living Its service
pledge to conduct business by continually creating mutually beneficial relationship with
all stakeholders; customers, Shareholders, Regulator, Communities and staff. The bank
realizes that its stakeholder, so that in every step of its journey. Both parties' benefit,
succeed and grow together.

Most of the primary function of commercial bank is to accept deposits and investment.
Generally, a bank should be careful at the time of leading. This study is basically focus
on the form of deposit and investment invested by the and Prime commercial bank
limited and analyzed how investment and deposit are related each other’s. For the
development of various sector, investment is essential. If the bank can utilize properly its
deposit and investment then the profit of the bank will automatically increase. In the first
chapter, we have discussed on the background of the study, organization, problems,
objective of the study, rational, literature review, method and limitation of the study. Like
this in second chapter we have discuss on the data presentation and analysis of the study
and in the third chapter we have discussed on summary and conclusion of the study.

3.2 Conclusion

Furthermore, establishment of proper rules and law are also essential to solve the not
important unless properly problem. The guidelines in themselves are implemented. The
bank has to offer training programs with related subject like the actor dealing with
people, influencing them, winning them and finally retaining them. The study examined
the challenges and prospect of deposit mobilization in Nepal.

17
Based on the result of descriptive analysis, the study had concluded the followings. The
internal factor such as literacy about saving, Quality customer service and narrow scope
of branch affects the total deposit. One of the most factor that affect the savings
mobilization is the awareness of the people, The more of the people are conscious ne
higher will be the saving mobilization. The main challenges of bank is inaccessibility or
having small number of branches, stiff competition. Government participation in banking
industry, government law such as imposing tax based on bank statement and report to
financial intelligence center. The difference in deposit mobilization among branches are
convenience of bank branches, quality customer services and proximity of branches to
job or home, awareness of the society, convenient working hours, low-cost charge and
general appearance of office materials.

18
 BIBLIOGRAPHY

Adhikari, D.R. & Pandey, D.L(2016), Business research Methods, Kathmandu,

Asmita Publication.
Bajracharya, B.C(2004), Business Statistics and Mathematical, Kathmandu: M.K.
Publisher. Prakasa.
Dangol, R.M(2006). Accounting for financial Analysis and Planning, Kathmandu:
Telugu Prakasha
Edmister, 1980:92. (n.d.). Retrieved from https://edmister.blogspot.com/2017/05/1-introduction
Pandey, D. A. (2067). anusandhanpaddati. Kathmandu: sunrise publication
Frank M.Z and Goyal V.K (2009) Impact of capital structure, Hong Kong University
of Minnesota
Annual report of Prime Commercial Bank Limited
https://www.adbl.gov.com.np.
https://edukrn.blogspot.com/2017/05/1-introduction-1_14.html
Edukrn. (n.d.). Retrieved from https://edukrn.blogspot.com/2017/05/1-introduction-1_14html
Pandey, D. A. (2067). Anuradha pad Dati. Kathmandu: sunrise publication
Shrestha (2005) described in her article, “Lending operation of Commercial Banks of
Nepal and its impact on GDP”
Bhandari (2017) prepared the thesis, “A comparative study of the financial performance
of Himalayan Bank and Everest Bank Ltd”.
Lama (2020) conducted a study on, “Profitability Ratio Analysis of Nepal Bank Limited”

19