Chapter-I: 1.1 Background

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CHAPTER-I
INTRODUCTION

1.1 Background

Nepal is small, landlocked, and underdeveloped country surrounded by the big

economices of India and China. There are several instance of underdeveloped

as reflected by lower per capita income, high rate of unemployment, lower rate

of economic groeth rate etc. Most of the population is still living below

poverty level (i.e.31%) with one of the lowest rate of per capita income(i.e.

$300) only. The development of economy of the country depends upon the

groeth of financial infrastructure of the country. Generally, a abnk does the

business of money. Bank collects money from the general public attracting

them with a sound interest rate in their deposit and utilize those funds by

providing to different sectors. E.g. Business houses, Industries, and agriculturial

and other needy parties. For the economic development, capital formation,

supply of money, industrial and agricultural development bank plays a vital

role in the economic history of any country.

A deposit account is a saving account, current account or any other type of

bank account that allows money to be depositd and withdrawn by the account

holder. These transactions are recorded on the bank's books, and the resulting

balance is recorded as a liability for the bank and represents the amount owed
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by the bank to the customer. Some banks may charge a fee for this service,

while others may pay the customer interest on the funds depositd.

Finally a bank is an institution which deals with money by accepting various

types of deposits, disbursing loan and rendering other financial services. There

are different type of banks and among them commerical bank is one of them

whose main objective is to mobilize the collected resources in productive areas

by generating profit.

1.1.1 Introduction to Sanima Bank

Sanim, promoted by prominent and dynamic Non-Resident Nepalese (NRNs)

Businessmen, commenced its operatio in 2004 as a National Level

Development Bank. Since February 2012, Sanima has been functioning as “A”

Class Commercial Bannk with its registered office at ‘Alakapuri’, Naxal,

Kathmandu.Sanima Bank is committed to provide one window financial

solutions to the different customer segments and to achieve healthy growth in

profitability consistent with bank’s risk appetite. The bank has been dedicated

to maintain the highest level of ethical standards, professional integrity,

corporate governance and regulatory compliance. As a result, Sanima is

perceived as a Strong and Reliable player in the in the banking industry.

Sanima has been committed to meet customer expectations in all areas of its

business through continuous improvement for overall benefit of the

economy. Sanima Bank offers a wide range of banking products and financial

services to corporate and retail customers through 43 full-pledged branches

from Mechi to Mahakali.


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1.2 Problem Statement

Deposits occupy portion of bank’s total sources of funds. Therefore, the

efficiency of a bank depends on it’s ability to attract depositors. The capacity

of the banks to earn profit depends on the volume of deposits and deposit mix

they have.

Following are the major problems that have been identified for the purpose of

this study

i. What is Deposit Account of Sanima Bank over the last five years?

ii. What is Current Deposit to Total Deposit Ratio and Current

Deposit to Fixed Deposit Ratio of Sanima Bank?

iii. What is Current Deposit to Saving Deposit Ratio and Current

Deposit to Call Deposit Ratio of Sanima Bank?

1.3 Objectives

The main objective of this research is to analyze current saving account of

commerical bank in Nepal. Following are the objectives of this study

i. To analyze the Deposit Account of Sanima Bank over the last five

years .

ii. To analyze Current Deposit to Total Deposit Ratio and Current

Deposit to Fixed Deposit Ratio of Sanima Bank.

iii. To analyze the Current Deposit to Saving Deposit Ratio and

Current Deposit to Call Deposit Ratio of Sanima Bank.


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1.4 Rationale

Mostly among the various deposit features provided by commerical bank,

current deposit is considerd to be more important. In current deposit, the bank

doesn’t have to pay the deposit of their depositors at any time. The bank can

earn more profit if it’s able to utilize the money of current account properly.

Unlike, current deposits, the bank have to pay the interest for other accounts.

There is a great importnace of current deposit in the banking system. If the

bank is able to collect more and more deposit in current account then by

utilizing a small portion of the current deposit in other various field bank can

earn more benefits.

1.5 Report Structure

This research has been divided into five chapters.

CHAPTER I: INTRODUCTION

This has included introduction along with general background of the study,

statement of the problem, objectives, rationale and organization of the study.

CHAPTER II: RELATED LITERATURE REVIEW

Is review of literature it includes the fundamental concept, various dimensions

of deposit account. This chapter will be divided into two parts, first being

therotical framework and second will be review of the previous studies.


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CHAPTER III: RESEARCH METHODOLOGY

Dealt with research methodology consisting of introduction, research design,

nature and sources of data, data gathering procedure, tools and techniques of

data analysis and limitations of the study.

CHAPTER IV: RESULT AND FINDING

It’s the main part of the study. It dealt with presentation and analysis of data

collected from different sources. The collected data will be analyzed to reach

closer to the actual result by using various necessary financial tools.

CHAPTER V: DISCUSSIONS AND CONCLUSION

Will be provided the summary, conclusion and recommendation of overall

study. At the end an extensive references and appendixes will be also

included.
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CHAPTER-II
RELATED LITERATURE REVIEW

This chapter deals with review of literature. Review of literature means

receving research studies or other relevent propositionns inn the related area of

the study so that all the past studies their conclusion and deficiencies may be

known and further research can be conducted.

2.1 Conceptual Review

Deposit is the main part of every financial institution and banks. Without

deposit collection loan could not be folwed. There are many deposits which

can be study in this report. The mainly four deposits are included in this

report which are as follows

2.1.1 Saving deposit:- As these type of deposit are mainly used by middle

class farmers, officials, teachers, and small businessman who have low income

sources. This deposit is for saving purpose. It stand midway between current

and fixed accounts restrictions on the depositors regarding the number of

withdrawals and the amount to be depositors in a given period. Check facility

is provided to the depositors. Rate of intrest paid on these deposits is low as

compared to that of fixed deposits. These deposits encourage the habit of thrift

amongst people. Saving accounts are offered by commerical banks and

financial institution.

2.1.2 Fixed deposit:- A fixed deposit is a deposit at a banking institution that

cannot:be withdrawn for a certain “term” or period of time. When the term is
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over it can be withdrawn or it can be held for another term. The longer the

term the better the yield on the deposit. No transactions are allowed to be

performed by customer aganist the deposit as is premitted in the demand

deposit. In a fixed deposit, a customer is required to keep a fixed amount of

money with the bank for a specific period of time. Depositor is not allowed

to withdraw the amount before the expiry of the period for which it is

deposited. Comparatively higher interest is paid on them. Thus fixed deposits

are time liabilities of the banks.

2.1.3 Current deposit:- It is also known as demand deposit. These deposits

are generally maintained by the traders and businessman who have to make a

number of payments every day. This deposits are withdrawable by the

depositors any time by means of checks. Usually, no interes is paid on them.

Depositors sometimes may have to pay certain charges to the bank for the

services rendered by it. Any amount of money may be deposited in this

account. There are no restriction regarding the number of withdrawals or the

amount of deposits.

2.1.4 Call deposit:- It is also known as hybrid deposit, is a combination of

current and fixed deposit invented for meeting customers financial needs in a

flexible manner. Incresing competition and computerization of banking has

facilitated to introduce this deposit product. This deposit mainly serves the

need of appropriate assets liability management of the banks and financial

institution. Generally the practice of inter-bank borrowing and lending activitties

are conducted through this product. This kind of account is generally opened

by bank and financial institutions, firms and companies. Bank pay certain rate

of interest to these depositors.


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2.1.5 CDTD Ratio and CDFD Ratio:- They are the ratio which shows that

what percent of current deposit is of total deposit and fixed deposit. CDTD

Ratio is presents the relationship between current deposit and total deposit.

Likewise CDFD Ratio presents the rationship between current deposit to fixed

deposit.

2.1.6 CDSD Ratio and CDCD Ratio:- Both ratios are related with currrent

deposit. It means that what percent of current deposit is of saving deposit and

call deposit.CDSD Ratio presents the relationship between current deposit to

saving deposit and CDCD Ratio shows the relationship between cureent deposit

to call deposit.

2.2 Review of Previous Works

Mrs. Radhika Dhungana had conductes research on the “Deposit and Current

positionn of Sanima Bank Limited” on 2016 an unpublished bachelor level

project report submitted to Damak Multiple Campus, Faculty of Management

T.U. Researcher main objective was to identify current account and opening

procedure of current account. Researcher used both financial and statistical

tools to conduct such resarch. She used data only for last thre three years.

Historical and ex-post facto research design was used by researcher.

Mr. Bishal Bhattarai had conductes research on the “Deposit Policy and

Current Positionn of Nepal Bank Limited” on 2016 an unpublished bachelor

level project report submitted to Damak Multiple Campus, Faculty of

Management T.U. Researcher analyzed the imapct of interest rate in deposit


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mobilization and utilization and analyzed the current fixed and saving deposit

positionn. Researcher also used three year data to conduct resarch work.

In 2072, Mr. Shishir Dhakal had done research on “Deposit Mobilization and

Utilization of RBB” The focus of the study is to study the trend of total

deposit and deposit mobilization and its utilization. Researcher had followed

descriptive, analytical and ex-post facto approach of research design. It is an

unpublished bachelor level project report submitted to Damak Multiple Campus,

Faculty of Management T.U.

In 2072, Mrs. Genisha Sangraula had done research on “Deposit and current

positionn of Kanchanjunga Multipurpose Cooperative Damak” The focus of the

study is to study the impact of interest rate in deposit mobilization and

utilization and saving and fixed deposit positionn of Knachanjunga

Multipurpose Cooperative, Damak.

2.3 Research Gap

Through few affiliated researchers have been done in this area but these have

been very few exclusive researcher on this subject. This study may be a new

study in this Bank and in study has been made on Deposit Analysis of

Sanima Bank Limited. Previous researcher use primary data collection. Present

context, these are the significant issue in Nepalese bank sector. Thus to fill up

this gap the current researcher in conducted. This researcher is based on the

secondary data. It examines the current data and figure. This study is trying to

do something new on the topic not yet studies. Previous researchers had
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analyzed Deposit and Current Positionn, Deposit Policy and Current Policy,

Deposit Mobilization and Utilization. They had not analyzed Deposit Account

of Sanima Bank Limited. Therefore the researcher try to analyzed ratio related

to various deposit such as Current Deposit, Fixed Deposit, Saving Deposit and

Call Ceposit. Previous researcher used both financial and statistica tools to

analyzed the CDTD, CDFD, CDSD and CDCD ratio but now researcher used

financial tools only. Previous researcher used data from fiscal year 2010/012 to

2014/015 but now researcher included data upto fiscal 2015/016.


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CHAPTER-III
RESEARCH METHODOLOGY

3.1 Types of Research

The researcher would select "descriptive Research Design" that is developed

with aim of studying the subject of researching detail and explain the feats

and characteristic related to research problem is known as descriptive research

design. It collects and presents the facts and figure in a certain situation.

Research related to prediction explanation of facts and individual group or

situation is descriptive research.

3.2 Population and Sample

Commercial Bank is that Bank which is and facility to provide horn to

agriculture, industry and commerce and banking services to the people and

country. According to Back's law dictionary "Commercial Bank" means a bank

authorized to receive both deboned and time deposits to engage in trust service

to issue latter credit, to rent item deposit boxes and to provide similar service.

Function of Commercial Banks is to accept deposit. Provide loan, agency

function and other services etc. The time limitation and unavailability of the

relevant data had forced to me make research on the few commerical bank

functioning all over the kindom and most of their stocks are trade activity in

the stock market out of them commerical bank has been chosen this study on

the sample as sanima bank.


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3.3 Types of Data

For investigation propose the data are necessary requirement. Generally data

can be obtained by the two sources it primary sources and secondary sources.

The researcher would select secondary data collection sources

3.3.1 Primary Data: This type of data are obtained by study sepecially

designed to fulfill the data needs. Primary data can obtain by applying the

direct persional interviews, indirect interviews, information from correspondence,

mailed questionnaire method etc.

3.3.2 Secondary Data: Particularly the study will base on the data available

from Sanima Bank. Suach a concentration for the bank only is simply because

of easy access upon their reliable data. The study will be based on secondary

provided by bank and other relevant sources. The data will be collected from

the balance sheet, profit and loss account, Nepal Rastra Bank and informal

enquires from the bank’s personnel.

3.4 Data Collection Procedure

Data are considered as an internal part of research. In order to make the study

more reliable and coherent secondary sources have been applied here while

collecting data, facts and statistics. In this study secondary data are collected

from different sources i.e. annual report of respective bank, some related

information taken from economic survey and from internet websites.


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3.5 Instruments

To fullfill the objectives of the project report, the researcher has used tables

and bardiagram to analyzed the data.

3.6 Analytical Tools

All the collected data are tabulated and presented in the figures. For this

purpose, the researcher has applied financial tools.

3.7.1 Financial Tools:- Financial analysis tools are one of the most efficient

ways that can be used for ensuring good profit from your investments. These

financial tools are highly helpful in evaluating the market and investing in a

way so as to maximize the profit from the investments made. This financial

tools useful for deciphering both internal and external information related to a

specific business organization.

Following are the financial analysis tools to analysis deposit account of

Sanima Bank Ltd:

i. Current Deposit to Total Deposit Ratio

This ratio shows the relationship between total deposit and current deposit. It

shows that what percentage of current deposit is of total deposit. It is

calculated as follows.

Current Deposit
Current Deposit=
Total Deposit

i. Current Deposit to Fixed Deposit Ratio


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This ratio shows the relationship between current deposit and fixed deposit.

It shows that what percentage of current deposit is of fixed deposit. It is

calculated as follows.

Current Deposit
CDFD Ratio=
¿ Deposit

ii. Current Deposit to Saving Deposit Ratio

This ratio shows the relationship between current deposit to saving deposit. It

shows that what percentage of current deposit is of saving deposit. It is

calculated as follows.

Current Deposit
CDSD Ratio=
Saving Deposit

iii. Current Deposit to Call Deposit Ratio

This ratio shows the relationship between current deposits to call deposit. It

shows that what percentage current deposit is of call deposit. It is calculated

as follows.

Current Deposit
CDCD Ratio=
Call Deposit

3.7 Limitations

The following are the limitaion of this research work


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i. The study will be based on three fiscal yeras 2011 to 2016.

ii. The study will be more specific in current saving account.

iii. The data are taken from secondary sources.

iv. Analysis is concentrated in commerical bank of Nepal.

v. The comprehensibility and the accuracy of the study are based on

the data avail from the website:-

https://en.wikipedia.org/wiki/deposit_account.

CHAPTER-IV
RESULTS AND FINDING
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This chapter deals with presentation of data, analyzing of data and findings of

this calculated data. This data are collected from an annual report of Sanima

Bank Limited and calculated by using different formula of deposit related

ratio analysis variables.

4.1 Analysis of Deposit Account of Sanima Bank

Deposit occupy a significant portion of bank’s total sources of funds.

Therefore, the efficiency of a bank depends on its ability to attract depositors.

The capacity of the banks to earn profit depends on the volume of deposits

and the deposit max the have. In nepal, banks offer different type of depposits

account to their customers. These deposits can vary from one bank to other.

Princippally these can be categorized as;

 Current Deposi

 Saving Deposit

 Fixed Deposit

 Call Deposit

Deposit Account Sanima Bank Ltd.


Table-4.1

TYPE 2011/2012 2012/2013 2013/2014 2014/2015 2015/2016

Current Deposit 3.3395 % 3.60545 % 2.9685 % 5.4971 % 5.3072 %


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Fixed Deposit 48.8848 % 66.7583 % 38.3520 % 36.7237 % 41.0347 %

Saving Deposit 31.86 % 3.1144 % 32.5291 % 34.5325 % 27.3901 %

Call Deposit 15.91 % 26.5219 % 26.1504 % 23.2467 % 26.2680 %

Total Deposit 100 % 100 % 100 % 100 % 100 %

Source: Appendice I

In the year 2011/2012 the CD was 3.3395 % which was increased and reached

at 3.60545 % in year 2012/2013. After the fiscal year 2012/2013 the CD was

decreased and falls to 2.9685 % and then increased at 5.4971 % and decreased

at 5.3072 % in the fiscal year 2014/2105 and 2025/2026. It means increasing

and decreasing condition.

FD was 48.8848 % and 66.7583% in the year 2011/2012 and 2012/2013. After

that the FD was decreased at 38.3520 % in year 2013/2014 and 36.7237 % in

year 2014/2015 and FD was incresed in fiscal year 2015/2016 at 41.0347 %.

In fiscal year 2011 the SD was 31.86 % which was highly decreased and fall

to 3.1144 %. After the fiscal year 2012/2013 SD was increased at 32.5291 % and

34.5325 % in the fiscal year 2013/2014 and 2014/2015. In fiscal year

2015/2016 SD was decreased and fall to 27.3901%

CAD in fiscal year 2011/2012 was 15.91 % and 26.5219 % in fiscal year

2012/2013. After fisacl year 2012/2013 the CAD was decreased in 26.1504%,
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23.2467 %, and 26.2680 % in fiscal year 2013/2014, 2014/3025 and 2015/2016

respectively.

4.2 Analysis of CDTD Ratio and CDFD Ratio

CDTD Ratio shows the relationship between total deposit and current deposit.

It shows that what percentage of current deposit is of total deposit. It is

calculated as follows.

Current Deposit
CDTD Ratio=
Total Deposit

CDFD Ratio shows the relationship between current deposit and fixed deposit.

It shows that what percentage of current deposit is of fixed deposit. It is

calculated as follows.

Current Deposit
CDFD Ratio=
¿ Deposit

CDTD Ratio and CDFD Ratio


Table- 4.2
Fiscal Year CDTD Ratio CDFD Ratio
2011/2012 0.0334 0.0683
2012/2013 0.0361 0.0540
2013/2014 0.0297 0.0774
2014/2015 0.0550 0.0132
2015/2016 0.0531 0.1293

Source: Appendice II and III

In the year 2011/2012 the ratio was 3.34 % in the year 2012/2013 the ratio

was increased and reached at 3.615 % but in the year 2013/2014 it is decreased
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and falls at 2.97 %. In the year 2013/2014 the ratio was 5.50 % and after that

the ratio was decreased and falls to at 5.31% in the year 2015/2016. Total

analysis shows that the CDTD ratio is fluctuating. In means increasing

decreasing condition.The above given data shows that the CDFD ratio was

6.83 % in the year 2011/2012. It decreased in the year 2012/2013 to 5.40 %

but in the year 2013/2014 it increased to 7.74 %. In year 2014/2015 CDFD

ratio was highly decreased and falls at 1.32 % and year 2014/2015 was highly

increased and reached at 12.93 %. It is a fluctuate signal.

Bar Diagram of CDTD Ratio and CDFD Ratio


Figure-4.2

14.00%

12.00%

10.00%

8.00%
CDTD Ratio
CDFD Ratio
6.00%

4.00%

2.00%

0.00%
2011/012 2012/013 2013/014 2014/015 2015/016

Source : Appendices II and III

After observing diagram we get conclusion that 3.34 % of CDTD Ratio is

covered by F/Y 2011/012, 3.61% covered by F/Y 2012/013, 2.97% covered by

F/Y 2013/014, 5.50% covered by F/Y 2014/015 and 5.31% covered by F/Y

2015/016. The highest CDTD Ratio is 5.50% in F/Y2014/015 and the lowest
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CDTD Ratio is2.97% . Similarly we get conclusion that 6.845 % of CDFD

Ratio is covered by F/Y 2011/012, 5.40% covered by F/Y 2012/013, 7.74%

covered by F/Y 2013/014, 1.32% covered by F/Y 2014/015 and 12.97%

covered by F/Y 2015/016. The highest CDTD Ratio is 12.97% in F/Y2015/016

and the lowest CDFD Ratio is 1.32% in F/Y 2014/015.

4.3 Analysis of CDSD Ratio and CDCD Ratio

CDSD Ratio shows the relationship between current deposit to saving deposit.
It shows that what percentage of current deposit is of saving deposit. It is
calculated as follows.

Current Deposit
CDSD Ratio=
Saving Deposit
CDCD Ratio shows the relationship between current deposits to call deposit. It

shows that what percentage current deposit is of call deposit. It is calculated

as follows.

Current Deposit
CDCD Ratio=
Call Deposit

CDSD Ratio and CDCD Ratio


Table-4.3
Fiscal year CDSD Ratio CDCD ratio
2011/2012 0.1048 0.2099
2012/2013 1.1576 0.1359
2013/2014 0.0913 0.1135
2014/2015 0.1592 0.2365
2015/2016 0.1938 0.2020

Sourcce : Appendice IV and V

In the year 2011/2012 the ratio of CDSD was 10.48 % but in the year

2012/2013 it was increased at 115.76 % and decreased at 9.13 % in the


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year 2013/2014 and then increased at 15.92 % as well as in the year

2014/2015 it is further increased and reached at 19.38 %.

In the year 2011/2012 the ratio of CDCD WAS 20.99 % but in the year

2012/2013 it was decreased at 13.59 % as well as 11.35 % in the year

2013/2014 but in the year 2014/2015 the ratio is increased 23.65 % and then

finaaly decreased in 2015/2016 at 20.20 %.

Bar diagram of CDSD Ratio and CDCD Ratio


Figure-4.3

120.00%

100.00%

80.00%
CDSD Ratio
60.00% CDCD Ratio

40.00%

20.00%

0.00%
2011/012 2012/013 2013/014 2014/015 2015/016

Sources: Appendices IV and V

After observing diagram we get conclusion that 10.485% of CDSD Ratio is

covered by F/Y 2011/012, 115.76% covered by F/Y 2012/013, 9.13% covered

by F/Y 2013/014, 15.92% covered by F/Y 2014/015 and 19.38% covered by

F/Y 2015/016. The highest CDSD Ratio is 115.76% in F/Y2012/013 and the

lowest CDSD Ratio is 9.13 in F/Y 2013/014 . Similarly we get conclusion that

20.99% of CDCD Ratio is covered by F/Y 2011/012, 13.59% covered by F/Y


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2012/013, 11.35% covered by F/Y 2013/014, 23.65% covered by F/Y 2014/015

and 20.20% covered by F/Y 2015/016. The highest CDTD Ratio is 23.65% in

F/Y 2015/016 and the lowest CDFD Ratio is 11.35% in F/Y 2013/014.

4.4 Major Finding

i. In year 2011/012 , 2012/013, 2013/014, 2014/015 and 2015/016 the

bank CDTD ratio was 3.33%, 3.61%, 2.97%, 5.50% and 5.31%

respectively. Only in year 2013/014 the bank CDTD ratio was

decreased and then increasing positionn. T he bank CDTD ratio

shows tha the bank’s ability is increases to attract the people.

ii. In year 2011/012 , 2012/013, 2013/014, 2014/015 and 2015/016 the

bank CDFD ratio was 6.83%, 5.40%, 7.74%, 1.32% and 12.93%

respectively. This shows the bank CDFD ratio was decreased in year

2012/013 and 2014/015. This CDFD ratio positionn is not good for

this bank but the bank try to increased the fixed deposit category.

iii. In year 2011/012 , 2012/013, 2013/014, 2014/015 and 2015/016 the

bank CDSD ratio was 10.48%, 115.76%, 9.13%, 15.92% and

19.38% respectively. This position shows that the bank CDSD ratio

was highly increased in year 2012/013 and highly decreased in year

2013/014. This condition shows that the bank was gone to

developed the all around in world.

iv. In year 2011/012 , 2012/013, 2013/014, 2014/015 and 2015/016 the

bank CDCD ratio was 20.99%, 13.59%, 11.35%, 23.65% and


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20.20% respectively. This condition shows that the bank was gone

to developed the all around in world.

CHAPTER-V
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DISCUSSION AND CONCLUSION

5.1 Discussions

Current Deposit to Total Deposit Ratio increasing over the last five years

period of Sanima Bank. Increasing bank CDTD ratio shows that the bank’s

ability is increased to attract the people. Table-2 shows that the bank CDTD

ratio was increasing positionn in year 2011/012 and 2012/013 i.e. 3.33% and

3.61% and then year 2013/014 the bank CDTD ratio was decreased at 2.97%

and thereafter the bank CDTD ratio was increased at 5.50% and 5.31%. When

the bank CDTD ratio increased this means that the bank positionn is good. If

the bank CDTD ratio was decreased it affect the banking positionn in the

market. In this positionn the bank CDTD ratio is good for the bank. But CDFD

ratio of the bank is not good which presents the table-3 .Bank CDFD ratio

was increasing in small portion in year 2012/013 period compared to year

2011/012 but decreased at 2.97% in year 2013/014. After the year 2013/14 the

bank CDFD was increased at 5.50% and 5.31% which show that CDFD ratio

is increased at small portion compared to 2014/2015. If the bank is try to

increased the fixed deposit the bank CDFD ratio was increased and helps to

maintain the bank positionn in the market. If the bank cannot success to

increased its fixed deposit it affect the bank CDFD ratio and affect the bank

current positionn. Table- 4 show the bank CDSD ratio i.e. 10.48%, 115.76%,

9.13%, 15.92% and 19.38%. This bank CDSD ratio is fluctuate. It means
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highly increased and decreased. In year 2012/013 the bank CDSD ratio was

highly increased compared to other period CDSD ratio. This ratio shows that

the bank gone to developed the all around in world. Table-5 shows the bank

CDCD ratio. The CDSD ratio of the bank was 20.99%, 13.59%, 11.35%

23.65% and 20.20%. This position of ratio is not good for the bank because

the bank CDCD ratio was decreaing in 2nd and 3rd poistion and then increased

and at last the bank CDCD ratio was decreased. It means the bank growing

CDCD ratio is not equally increased or decreased. CDCD ratio shows that the

bank was gone to developed all around in world.

5.2 Conclusion and implications

CDTD Ratio increasing over the last five year 2011/012 to 2015/016. CDFD

Ratio is fluctuated over the last five year period. CDFD Ratio increasing and

decreasing condition. The current deposit in 2015/2016 increased by

Rs.587,218,346. Similarly the total deposit increased by Rs. 12377990056 as

compared to previous year. CDSD Ratio and CDCD Ratio are highly increasing

and decreasing condition over the last five year period. This shows that the

performance of bank is positive in total deposit. The total capital of Sanima

Bank is found to Rs. 4,710,596,500 and Paid up capital is found to be Rs.

3,060,288,000. Sanima Bank has opened up various branches in all major cities

of the country and it has been successful in its branch expansion program. All

the branches have been located in proper location and have provided its

customers with various services. It has well trained staff. Sanima bank has

contributed a lot for the national development of the country by providing


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loans own export and import to fulfill the increasing needs of trade, industry

and commerce. It also given credit facility at low rate of interest to trade,

industrialist, businessman and agriculturist.

Sanima Bank Limited is committed to its best service for the satisfaction of its

customer but it is said nobody is perfect in the world so considering this

saying we can say that no bank perform and operates successful as through

there may be some weak point of Sanima Bank Limited too. The following

implications have been made to improve the statement if Analysis of Deposit

Account of Sanima Bank Limited:

i. The Sanima Bank should try to open more branches in inner tarai

and other regions where there are no branches. There should be

equality in branches expansion. The activities of Sanima Bank

should related to poverty elimination or production oriented in the

countryside. The bank should work for the development of the

nation and income generation.

ii. The Sanima Bank should try to provide training facilities to its staff.

It should discourage to open a/c to those individuals having black

money or earning from unauthorized sources.

iii. Sanima Bank should introduce and implement new schemes and

program effectively in order to maximize profit.

iv. Sanima Bank should determine its cash holding structure to its

operational needs.
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v. Information is most effective tools for better communication in 21th

century. Sanima Bank should utilize information technology.

Finally this report is helpful to the other researcher to gain knowledge about

the Sanima Bank’s CDTD Ratio, CDFD Ratio, CDSD Ratio and CDCD Ratio.

It also help researcher to develop his/her skills in reserach, survey and report

writing. This study provides sufficient information to the other researcher about

the Sanima Bank Deposit related rations.


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REFERENCES

Annual Report of Sanima Bank Limiteed, 2011 to 2016.

Bank, S. (2016). Sanima Bank | Nepal. Retrieved August 10 , 2016, from

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