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A comparative study on FINANCIAL PERFORMANCE OF NEPAL BANGLADESH BANK LIMITED AND HIMALAYAN BANK LIMITED

A comparative study on FINANCIAL PERFORMANCE OF NEPAL BANGLADESH BANK LIMITED AND HIMALAYAN BANK LIMITED

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Published by himalayaban

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Published by: himalayaban on Apr 18, 2011
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06/19/2014

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CHAPTER-1Introduction
1. 1. Background of study1. Background of study
The bank is an institution established by law, which deals with money and credit iscalled banking. In other words, it is obvious that an institution which deals with money,receiving it on deposits from customers, honoring customers drawings against suchdeposits and demand, collecting cheques from customers, and lending or investingsurplus deposits until they are required for repayment.In common sense, financial institution which deals with monetary transaction byaccepting various types of deposits, distributing various types’ loans and renderingother financial services.There is several definition of a bank by different authors and scholar’s .some of them isas follows:-
According to Oxford Dictionary
“A bank is an establishment for the custody of money received from or on itscustomers, its essential duty is to pay their draft on it, its profit arises from its use of money left unemployed by them.”
According to Dr. Hart
“A person or company carrying on the business of receiving money and collectingdrafts, for customers subject to the obligation of honoring cheques upon them fromtime to time by the customers to the extent of the amounts available on their currentaccounts”
As per Kent
“Bank is an organization whose principle operation is concerned with accumulation for the temporarily idle with money of the general public for the purpose of advancing toother expenditure.”
According to Hals bury laws of England
“A banker is defined as an individual partnership or corporation, whose sole or  predominating business banking”.
According to the commercial bank act 2031
 
“A commercial bank is a bank, which deals in exchanging currency, deposits, givingloans and doing commercial transactions”.So bank is an organization, which deals with deposits, lends money and renders a wiserange of financial services.
Origin of Banking
The term “bank” was originated from the Latin word “BANCUS”, and the Italian word“BANCO”, the German word “BACK” and French word “BANKE”.regarding theorigin & banking institution in the world, the bank established was “Bank of Venice” of Italy. The second bank established in Spain in 1401 A.D. as “the bank of Barcelona”.Then after, Bank of Geneva &Bank of England as a joint venture bank in 1401 &1694A.D. respectively. Several national and foreign banks were established in India & other countries subsequently.
Banking in Nepal
In Nepalese banking concept, the history of banking is not long. But it is found that the banking transactions are conducted in ancient time. Nepal bank limited was the first bank in Nepal established in 1994b.s .later Nepal Rastra Bank ,central bank wasestablished in 2013 b.s with an objective to provide the policy decision, guidance andcontrol the banking and to monitor this sector.Rastriya Banijya Bank is a governmentowned commercial bank was established in 2022b.s. NIDC(Nepal industrialdevelopment corporation) and agriculture development bank limited(ADBL) wasestablished in 2020b.s.the joint ventures bank’s increased dramatically after restorationof democracy when the government adopted liberal and market oriented policy.
 Nowadays following commercial banks are in operation
5Agriculture development bank limited (ADBL)6Bank of Asia Nepal limited7Bank of Katmandu limited8Citizen international bank limited9Development credit bank limited10Everest bank limited11Global bank limited12Himalayan bank limited
 
13Janata bank limited14Kumari bank limited15Kist bank limited16Laxmi bank limited17Lumbini bank limited18Machhapuchhre bank limited19Nabil bank limited20Nepal bank limited21Nepal Bangladesh bank limited22Nepal SBI bank limited23Nepal investment bank limited24Nepal industrial and commercial bank limited25Nepal credit and commercial bank limited26NMB bank limited27Prime commercial bank limited28Rastriya Banijya bank limited29Siddhartha bank limited30Sunrise bank limited31Standard chartered bank Nepal limited
Latest performance of commercial banks sub-groups
The average of the listed commercial banks’ key indicators-NPA,P/E ratio,RoA ,RoE,EPS,NWPS and profit margin- since last five years. in the five year 2004-05 and 2005-06 there were only 17 listed commercial banks whereas in 2006-07,the number increased to 18 and in 2007-08 and 2008-2009, there were 23 listed and in the mid of 2009-10 there were 26 commercial banks were listed.

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