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The deposit Trend of Everest

Bank Limited

A Project Work proposal


Anil khadka
Ganesh Multiple Campus

Submitted to:

The Faculty of Management

Tribhuvan University

In Partial Fulfillment of the Requirements for the Degree of


Budhanilkantha, Kathmandu
1. Background of the study
A deposit account is a savings account, current account or any other type of bank account that

allows money to be deposited and withdrawn by the account holder. These transactions are

recorded on the bank's books, and the resulting balance is recorded as ability for the bank and

represents the amount owed 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 deposited.

In banking, the verbs "deposit" and "withdrawal" mean a customer paying money into, and

taking money out of, an account. From a legal and financial accounting standpoint, the noun

"deposit" is used by the banking industry in financial statements to describe the liability owed

by the bank to its depositor, and not the funds that the bank holds as a result of the deposit, which

are shown as assets of the bank. Subject to restrictions imposed by the terms and conditions of

the account, the account holder (customer) retains the right to have the deposited money repaid

on demand. The terms and conditions may specify the methods by which a customer may move

money into or out of the account, e.g., by cheque, internet banking, EFTPOS or other channels.

For example, a depositor depositing $100 in cash into a checking account at a bank in the United

States surrenders legal title to the $100 in cash, which becomes an asset of the bank. On the

bank's books, the bank debits its cash account for the $100 in cash, and credits a "deposits"

liability account for an equal amount. (See double-entry bookkeeping system). (Bhandari, D.R.

(2003),Banking and Insurance, Aayush publication ,Kathmandu, Nepal)

In the audited financial statements of the bank, the $100 in currency would be shown on the

sheet as an asset of the bank and the deposit account would be shown as a liability owed by the

banks and its customer. The bank's financial statement reflects the economic substance of the
transactionwhich is that the bank has borrowed $100 from its depositor and has contractually

obliged itself to repay the customer according to the terms of the agreement. These "physical"

reserve funds may be held as deposits at the relevant central bank and will receive interest as

per monetary policy.( Bhandari D.R. (2056)"Principle & Practices of Banking &Insurances

"Asia Publication, Kathmandu, Nepal)

Everest Bank Limited

Catering to more than 7.5 lacs customers, Everest Bank Limited (EBL) is a name you can depend

on the professionalized and 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 to develop the nation

corporately, agriculturally and industrially.

2. Problem Statement
The main focus of this study towards the investment practices of the commercial banks .This

study basically deals with the following issues of the deposits of bank:

a. Are available funds properly utilized or not?

b. How they collect and utilized the money?

c. How and why they are competing with other banks?

3. Objectives
Among several commercial banks operating in Nepal, Everest bank limited has made large
contribution towards the development of socio economic condition of the country. The main
objective of the study are as follows:

a. To find out the funds utilized or missus.

b. To find out the collect sources of money.

c. To find out the facilities given by everest bank.

4. Methods
The way and technique of the study applied in the research process. It includes types of

research, populations and sample, types of data, data collection procedures, instruments and

techniques of analysis.

4.1 Types of Research: Quantitative

4.2 Population and Sample: There are altogether seven populations of joint venture bank
and we have taken one joint venture bank i.e. Everest bank limited as a sample.

4.3 Types of data: Secondary data

4.4 Data Collection Procedures: Review of annual reports, various magazines, internet and
books as well.

4.5 Instruments: Observation of annual report, internet and books.

4.6 Techniques of analysis:

a. Table diagram

b. Bar diagram

5.Structure of Report
The study has been organized to five different chapters. They are briefly mentioned


Chapter-1 Introduction:

This introduction chapter contain the background of the study, introduction of bank,

statement of problem, objective of study.

Chapter-2 :Review of Literature:

This chapter includes conceptual review, review of previous works and research gap.

Chapter-3 Methods:

This chapter deals with research methodology used to evaluate financial performance
of bank. It includes research design, source of data, data collection procedure, instrument,

techniques of analysis and limitations.

Chapter-4 Result and finding:

This chapter deals with presentation and analysis of data and it contain major findings.

Chapter-5 Discussion and conclusion:

This chapter cover summary, conclusion and recommendation and provides some

valuable suggestions to the bank.

6. Time schedule Plan

Week Activities.

1 Collection of data.

2 and 3 Review of data.

4 and 5 Allocation and management of data.

6 and 7 Complete preparation of report.

8 and 9 Consulting the report with supervisor.

10 Submit report.

7. References

(Bhandari, D.R. (2003), Banking and Insurance, Aayush publication ,Kathmandu, Nepal)

( Bhandari D.R. (2056)"Principle & Practices of Banking &Insurances "Asia Publication ,

Kathmandu, Nepal)