1

CHAPTER-I

INTRODUCTION

1.1 Background of the study

The saving of the people play greater role in the economy of the country. Saving means
the excess amount of income over expenditure. In other words, saving is the difference
between income and expenditure on consumption. It is very important part of the income
that is not spend on consumption. Saving is mostly depending upon income of the person.
There is positive relationship between saving and income of the person. There are many
financial institution established in various sector of the country to motivate people to save
their income in different deposit/ saving account and mobilize in various sector to create
employment, productivity as well as credit creation, financial institution are established
and operated under the bank and financial institution Act 2063 and provide various
banking service.

NIC Asia Bank offers three types of deposit/ saving to save/ deposit individual saving
and corporate saving. They are current account deposit, saving account deposit and fixed
account deposit for those clients who want to save/deposit their income according to
desire and need of the above mentioned account. Individual saving and corporate Saving
are determined by the level of income rate of interest distribution of health and income,
demographic factor, price level, fiscal policy, development of banking and financial
institution and social security of the economy provided by the government.

Bank offer saving at different interest rate for the individual according to ages, gender,
profession, and time period of saving to collect fund from various sources and creation of
credit in profitable different sector.

1.2 Profile of NIC Asia Bank

NIC ASIA Bank has its antecedents in NIC Bank which was established on 21st July
1998. The Bank was rechristened as NIC ASIA Bank after the merger of NIC Bank with
Bank of Asia Nepal on 30th June 2013. This was a historic merger in the annals of
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Nepalese financial landscape as the first of its kind merger between two successful
commercial banks in the country. Today, NIC ASIA has established itself as one of the
most successful commercial banks in Nepal.

During the post-merger integration phase, NIC ASIA managed the transition very
smoothly receiving accolades from the regulators as well as the stakeholders, paving the
way for other mergers and consolidation in the Nepalese financial sector. After the
merger, NIC ASIA was recognized as “Bank of the Year 2013-Nepal” by The Banker,
Financial Times, UK. This is the second time that the Bank was recognized with this
prestigious award, the previous occasion being in 2007.

NIC ASIA Bank is now, one of the largest private sector commercial banks in the country
in terms of capital base, balance-sheet size, number of branches, ATM network and
customer base. The Bank has 282 branches, 40 extension counters, 26 branch less
banking and 289 ATMs across Nepal with a network covering all major financial centers
of the country. The Bank strongly believes in Meritocracy, Transparency,
Professionalism, Team spirit and Service Excellence. These core values are internalized
by all functions within the Bank and are reflected in all actions the Bank takes during the
course of its business.

1.3 Statement of the Problems

The concept of saving is very essential for banking sectors as it is just like a yardstick
that determines its efficiency. Especially this bank is concentrating their business in
profitable area. Banks that fail to manage its deposit collection policy and its effective
mobilization turns out in its termination. The political environment of a country plays an
important role in the proper conduct of the Banks of the country. Political instability of
our country became the vital on influencing the major banking activities of commercial
bank nowadays. The study is carried out in order to look out comparative analysis of
saving pattern of NIC Asia Bank Limited, in reference with New Baneshwor Branch:
 What is the composition of the total deposits of NIC Asia of New Baneshwor
branch during the past few years?
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 What is the trend and pattern of deposit of the branch during the past years?
 What is the growth rate of each deposit scheme of branch?
 What is the growth rate of each types of deposit account scheme of the branch?

1.4 Objectives of the study

The objective of this study is to analyze and identify the saving pattern of the individual
in the NIC Asia Bank New Baneshwor Branch office. It address the problem of changes
and decreasing in number of saver, changes in income determinants factor, price level
problem and problem of fluctuation of fund in various saving/ deposit accounts of NIC
Asia Bank New Baneshwor branch. Without clear objective of report research that cannot
provide reliable data to shows the financial position of the people. In this case, Bank offer
varies interest rate to clients/ individual to collect more funds in the saving patterns.

However some specific objectives of the study and report are as follows:

 To find types of saving deposit are opened in the branch,

 To study collection of fund from various saving pattern account of saver,
 To identify determinants factor of saving pattern of the people.

1.5 Rationale of the study

The present study is organized into five chapters including the present one. The present
chapter introduces the study background study, objective and rationale/ significance of
the study. The second chapter includes conceptual review, review of previous works and
research gap in the topic of saving pattern of NIC Asia bank limited.

The third chapter discusses the research methods that include research design types of
research, population and sample types of data, data collection procedure, instruments,
technique of analysis and limitation. The fourth chapter includes the presentation of data
in table figure and their analysis to major the situation of saving deposit amount on
number of various account into the bank. It also includes the major finding from the data
analysis. Without presentation of table and figure the analysis is impossible about the
topic of saving pattern of NIC Asia Bank limited in New Baneshwor Branch. After the
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presentation analysis as well as major finding the last chapter that is the fifth chapter of
the paper includes the summary and the conclusion including some suggestion on policy
implications in the specific are as well as whole branch office of NIC Asia Bank limited.

1.6 Review of Literature

Review of literature is an important part of the research study. It is the process of reading
and evaluating the existing materials in the area of interest. When the researcher studies
the existing literature, it helps to increase the knowledge of the researcher in the area of
interest. By means of literature review, the researcher can identify what has been studied
in the past, what type of conclusion has been derived in the past, and soon. Depending
upon the past study the researcher can design his study. He always tries to study that
thing which has not been studied in the past. Review of literature also helps the
researcher to select a particular methodology of the study.

1.6.1 Theoretical Review

The first central bank was the bank of England which was established in 1664. After the
formulation of banking law in 1883 by United Kingdom the speed of bank establishment
take an instant take off.

In my context of Nepal the history of banking is not so very long in spite that these was
numerous banking activities existed from the ancient time only. It is heard that the
banking activity started only after the give and take of loan. In correct sense the meaning
of bank came in existence only after the establishment of Nepal Bank limited. This bank
is working as a commercial bank from its establishment period when it is realized that the
banking sector is being helpful in making monetary policy then only Nepal Rastra Bank
was established in Nepal in 2013 B.S. But now NRB is acting as a Governments bank as
well as helping in development of financial sector.

In same way Nepal Commercial Bank was established in 2022 B.S. Likewise, for the
development of agriculture sector, Agriculture Development Bank was established in
2024 B.S. NIC ASIA Bank was initially known with the name of NIC Bank was founded
as NIC Bank on 21 July 1998. It was renamed NIC ASIA Bank on June 2013 after it
merged with Bank of Asia Nepal.
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NRB (2009) has conducted a research topic on financial sector development and
economic growth of Nepal."The main objective of this research was to estimate the
impact of the growth of domestic financial service on Nepali economic growth. Similarly
other financial institution, annual report, article of financial planner and financial expert
has been published various books in the market to study scenario of financial market and
its position.

Saving/deposit pattern is divided into three categories. Fixed deposit, current deposit, and
saving deposit. Fixed deposit have fixed maturity period and bank restrict the
depositor/Saver to withdraw the cash prior to their maturity. Current/demand deposit are
those deposits which are withdrawn on demand. Checking accounts, commonly known as
current account in Nepal. Saving deposit have some features of checking accounts and
some of time deposit account. Banks are subject to make the payment on demand on
these accounts. But customers have to maintain minimum balance and comply with the
restriction on imposed on the amounts of withdrawals. Moreover, Saving/deposit paten is
concerned with collections of fund from different deposit/saving accounts to create loan
and mobilize fund in productivity sector.

Saving pattern has significant role to establish relation with the people and mobilization
of fund NIC ASIA bank offer 5 types of deposit among them saving deposit current
deposit and fixed deposit are most important to collect fund from number of account on
deposits which are withdrawn on demand. Saving deposit have some features of checking
account and some of time deposit account. Banks are subject to make the payment on
demand on this account. But customer have to maintain minimum balance and comely
with the restriction imposed on the amount of withdraw. Fixed deposit have fixed
maturity period and bank restrict the depositors to withdraw the cash prior to their
maturity. Depositors may borrow from banks by lodging the certificate of deposits as
collateral. But depositors may withdraw the money deposited in time deposit accounts
prior to its maturity but customer has to p ay bank the penalty.

Therefore number of account on deposit is also significant role to collect deposit from
various accounts to create loan and provide service to the customer saving pattern of NIC
Asia Bank limited in New Baneshwor Branch can increase number account and deposit
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from various account through quality and reliable service. In the previous studies only the
annual and all over the Branch saving pattern study but only branch study has not been
done. This review helps me to study and analyze the saving pattern of NIC Asia Bank
New Baneshwor Branch only.

1.7 Research Methods

Research methodology describes the methods and process applied in the entire aspect of
the study. In other words, research methodology is a systematic way to solve the research
problem. Research methodology refers to the various sequential steps to be adopted by
researcher in studying a problem with certain view. A focus is given to research design
nature and sources of data, population and sample data collection procedure data
collection instrument and data analysis.

1.7.1 Research design

This study will be descriptive as well as analytical in nature based on primary and
secondary data. This study will seek to describe and establish the relationship among the
factors affecting the saving pattern of NIC Asia Bank New Baneshwor branch office
quantitative and qualitative research approach also suitable in saving pattern of the bank.
Quantitative data is concerned with the measurement of actual data. Similarly qualitative
data is concerned with the subjective phenomena. Descriptive research design deathly
study of fixed deposit/ saving, current deposit and saving deposit to know the saver
number and affect its factor to change the saving/ deposit in this bank. Every research
describes and analyze all the aspect of topic to shows the real picture of the saver and
financial aspect of the NIC Asia Bank. Qualitative and quantitative tools are used to
know the saving pattern of the bank.

1.7.2 Population and Sample

The populations of NIC Asia Bank Limited are the target number of people who want to
save their income of people their income and getting banking service from this Bank.
There are many numbers of accounts on various deposits into the Bank. Among them
only New Baneshwor Branch number of account on various deposit study and analysis to
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know the saving pattern of New Baneshwor Branch. The study covers the duration of 5
years. In this report consists of 5 years saver number and saving/ deposit situation of NIC
Asia Bank in different each year. Population are the saver and samples is used only the
NIC Asia Bank limited in the New Baneshwor branch. The sample size for this bank will
be taken on single one branch office of New Baneshwor the saving pattern of various
saver live in the Kathmandu,

1.7.3 Types of Data

The whole purpose of this study is to analyze the saving pattern of NIC Asia bank New
Baneshwor branch. While writing this report to get the information secondary sources of
data are used. Report writing need necessary and reliable information to know and study
the saving pattern of NIC Asia bank New Baneshwor branch. The detailed description is
given below:

Secondary Data

Secondary data are those data which are already been prepared. In course of finding the
secondary data various books of finding the secondary data various books related with
banking are used, newspaper articles and business magazines were referees. Secondary
data are published and unpublished report. Government report, Rastra Bank report, NIC
Asia Bank report as well as other related Bank report are published to the public.
Consultancy and private organization report are unpublished report that is not published
for all the public. Thus, using the above mentioned tools and techniques the following
report has been prepared.

1.7.4 Data Collection Procedure

To make this field work/ data collection study more effective and easy the homework has
been done to collect reliable data and presenting the report. They are personally
interviewed by way of questionnaire, observation and interview. They have been asked
most of the question which will fulfill our objectives. Other than that the secondary data
provided by the bank and the annual report help throughout the project. As field work
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report affected by the subject matter, tools and technique and the other objectives of the
research report.

1.7.5 Data Analysis Tools

Data obtain from primary and secondary sources are analyzed. Descriptive statistics' data
analysis method will be applied for analyzing collected data. The descriptive statistics
will be use to quantitatively describe the important features of the variables using
maximum, minimum, table, graph, pie-chart to identify the saving pattern, situation,
collected found in various account. The saving situation of the NIC Asia Bank New
Baneshwor Branch shown in the table, figure, pie-chart and so on. The numbers of saver
also shown in the table, figure, to know the number of saver in the New Baneshwor
branch. These are the important tools to analyze the research report of saving pattern.

1.8 Limitation of the study

While studying and analyzing about the subject matter there are some limitations. This
study only related with the NIC Asia Bank New Baneshwor branch about the topic of
saving pattern. It has also some limitations which are mentioned below:

 Study is based on Secondary data.

 There is limited to study banking system of the NIC Asia Bank limited New
Baneshwor branch.
 This study is not covering overall banking service provided by bank.
 Lack of time due to which we cannot get sufficient information.
 This study only involves the "saving pattern of NIC Asia Bank Ltd. New
Baneshwor Branch.
 Data contains mostly of the annual reports of the bank through fiscal year
2070/071 to 2074/075.
 Only five years observation covering from fiscal year 2070/071 to 2074/075is
analyzed.
 The study is only fulfilling the requireme for the degree of bachelor in business
studies.
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CHAPTER-II

RESULTS AND ANALYSIS

2.1 Data Presentation and Analysis:

In report writing the presentation and analysis of data is of vital importance. The data
collected has been shown through the mean of table, figure. NIC Asia bank limited New
Baneshwor branch saving pattern and its analysis is done through various analytical tool.
Saver number, saving amount are mostly explain and shown in this report to know the
financial condition of the people number of saver, knowledge about saving in this sector/
Region. All this data have been analyzed properly.

2.1.1 Saving pattern amount and no of Account in 2070/071

The objective of this report writing is to know and study about the saving pattern and
number of saver/ Account of the NIC Asia bank limited New Baneshwor branch only.
And from the study the following information has been gained.

Table 2.1.1 (A) Saving pattern amount in 2070/071

Particulars Amount (Rs. in Thousand)

Current Deposits 4345.2
Saving Deposits 136025.0
Fixed Deposits 32445.0
Total 172815.2
(Source: Annual Budget of NIC Asia Bank)

From the above table it is clear that NIC Asia bank limited New Baneshwor branch has
three saving/ deposit account to collect from these account. Fixed deposit, saving de posit
and current deposit are Rs. 43445.0, Rs 136025.0 and Rs. 4345.2 respectively.
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Table 2.1.1 (B) No. of Account in 2070/071

Particulars No. of Account

Current Deposits 210.0
Saving Deposits 3200.0
Fixed Deposits 60.0
Total 3470.0
(Source: Annual Budget of NIC Asia Bank)

From the above tale it is clear that NIC Asia bank limited Kathmandu branch has three
saving/ deposit account to collect from this account. Number of account on Fixed deposit,
saving de posit and current deposit are 210, 3200 and 60 respectively.

2.1.2 Saving Pattern and No. of Account in 2071/072

Saving pattern determine the collection amount from various from deposit in the New
Baneshwor branch of NIC Asia Bank limited. No. of saver also determine people income
and deposit ratio of people income and deposit ratio of people income deposited into NIC
Asia Bank. From the following saving pattern has been cleared saving deposit amount in
the saving deposit, current deposit and fixed deposit.

Table 2.1.2 (A) Saving Pattern in 2071/072

Particulars Amount (Rs. in Thousand)

Current Deposits 8650.0
Saving Deposits 306060.4
Fixed Deposits 60545.0
Total 375255.4
(Source: Annual Budget of NIC Asia Bank)

From the above table shows that saving deposited situated into the NIC Asia Bank
limited New Baneshwor branch. Current deposit, saving deposit and fixed deposit are Rs.
8650.0, Rs. 306060.4 and Rs. 60545.0 Respectively.
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Table 2.1.2 (B) No. of Account in 2071/072

Particulars No. of Account

Current Deposits 230.0
Saving Deposits 3982.0
Fixed Deposits 70.0
Total 4282.0
(Source: Annual Budget of NIC Asia Bank)
From the above table shows that the number saver in saving/ deposit pattern account into
the NIC Asia Bank New Baneshwor branch, No. of saver/ Account are also increased
along with the increased amount in the saving pattern.

2.1.3 Saving pattern and No. of Account in 2072/73

NIC Asia Bank limited New Baneshwor branch offer different interest rate deposit in
fixed deposit, current and saving deposit to collected maximum amount and mobilize into
the different investment sector for the maximization of profit through provide quality
service to the clients. From the following table shows that/ represent that the saving
situation in the NIC Asia Bank limited New Baneshwor Branch office.

Table 2.1.3 (A) Saving pattern in 2072/73

Particulars Amount (Rs. in Thousand)
Current Deposits 7465.0
Saving Deposits 288565.0
Fixed Deposits 18450.0
Total 314480.0
(Source: Annual Budget of NIC Asia Bank)
From the above table has represented the saving pattern of NIC Asia Bank limited New
Baneshwor branch. Bank offer various form of deposit amount to the client in this place
to collect from current deposit/ saving, saving deposit and fixed deposit, Rs.7465.0, Rs.
288565.0 and Rs. 18450.0 are the current, saving fixed deposit respectively to show the
saving position of the bank in 2070/071.
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Table 2.1.3 (B) No. of Account in 2072/73

Particulars No. of Account
Current Deposits 215.0
Saving Deposits 405.0
Fixed Deposits 40.0
Total 660.0
(Source: Annual Budget of NIC Asia Bank)
From the above table shows that the saver number/ Account in the NIC Asia Bank
limited New Baneshwor branch office. Saver account is also change in this year. Saver
want to maximize interest income from deposit but due to change in interest rate its
deposit amount significantly change. 215, 405.0 and 40 are number saver in current
saving and fixed deposit into the NIC Asia bank limited New Baneshwor branch.

2.1.4 Saving Pattern and No. of Account in 2073/074

The report writing of saving pattern shows and study that the saving pattern of NIC Asia
Bank ltd. New Banshwor Branch and number of Account saver/ depositor into the bank
and its financial fund collection policy through offer different interest rate deposit
amount. Saving amount is relatively low than last year due to interest rate and withdrew
from bank to invest into financial securities of the NEPSE. The following tables have
represented the saving/ deposit amount into the saving pattern are as follows:

Table 2.1.4 (A) Saving Pattern in 2073/074

Particulars Amount (Rs. in Thousand)

Current Deposits 8462.0
Saving Deposits 227955.0
Fixed Deposits 16233.0
Total 252614.0
(Source: Annual Budget of NIC Asia Bank)
From the above table we can get information about the saving situation/ position into the
NIC Asia Bank limited New Baneshwor branch in the saving deposit, current deposit and
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fixed deposit. Without collection of fund from various form of deposit from people the
creation of credit is impossible because bank and financial institution run through deposit
amount and money mobilize in the bank. The NIC Asia Bank ltd. New Baneshwor
Branch has current deposit, saving deposit and fixed deposit of Rs. 8462.0, Rs. 227955.0
and Rs. 16233.0 respectively.

Table 2.1.4 (B) No. of Account in 2073/074

Particulars No. of Account

Current Deposits 187.0
Saving Deposits 4123.0
Fixed Deposits 33.0
Total 4343.0
(Source: Annual Budget of NIC Asia Bank)
From the above table we get clear information about the number of saver in the NIC Asia
Bank limited New Baneshwor branch Kathmandu, No. of saver determine the saver
attraction in this bank to deposit their income in the various form of deposit account to
earn interest income and receive service from the bank. 187, 4123 and 33 are the number
of saver in the NIC Asia Bank New Baneshwor Branch.

2.1.5 Saving Pattern and No. of Account in 2074/075

The report writing objective is to study and find out the saving pattern deposit amount
into the NIC Asia Bank New Baneshwor branch and No. of account to show the saver
number in the bank and attraction of the people individual lowers bank deposit offer in
the various form of deposit. In every year saver number and deposit amount is change
due to determinants factor of saving such as income level, interest rate, price level
distribution of wealth and government securities. This pattern the following table shows
that the saving pattern deposit amount into the NIC Asia Bank.
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Table 2.1.5 (A) Saving Pattern in 2074/075

Particulars Amount (Rs. in Thousand)
Current Deposits 10345.0
Saving Deposits 276070.0
Fixed Deposits 58083.0
Total 416498.0
(Source: Annual Budget of NIC Asia Bank)
From the above table it is cleared that saving pattern amount increase than the last year
2071/072 into the saving deposit and fixed deposit but current deposit amount is
decreased from 8462 to 8345 in 2072/073. NIC Asia Bank New Baneshwor Branch
performs better work to collect fund from current, saving and fixed deposit. Rs. 8345.0,
256070 and 52083 are the current, saving and fixed deposit respectively collected fund.

Table 2.1.5 (B) No. of Account in 2073/074

Particulars No. of Account
Current Deposits 321.0
Saving Deposits 5345.0
Fixed Deposits 154.0
Total 5720.0
(Source: Annual Budget of NIC Asia Bank)
From the above table we can get information about the number saver/ depositor account
in the NIC Asia Bank limited New Baneshwor branch. No. of Account is increased in
current deposit from 187 to 321, number account in laving deposit from 4123 to 4745 and
number of saver/ account in fixed deposit from 33 to 54.

2.1.6 Saving Pattern (deposit) all over the 5 year and no. of Account to
2073/074

The report writing objective is to know and study about the saving pattern and number of
saver in the NIC Asia Bank limited New Baneshwor branch Kathmandu Nepal. There are
three study of kind of deposit/ Account to deposit into bank of NIC-Asia. No. of saver/
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Account/ depositor changed over the 5 year due to various reason in the market and client
income level saving/deposit amount is also changed over the 5 year. The following
saving pattern and no. of account over the 5 year.

Table 2.1.6 (A) Saving Pattern (current deposit) 2070/071 to 2074/075

Particular Current deposit (Rs. In Thousand)

Year 2070/071 4345.2
Year 2071/072 8650.0
Year 2072/073 7465.0
Year 2073/074 8462.0
Year 2074/075 8345.0
Total 37267.2
(Source: Annual Budget of NIC Asia Bank)

From the above table it is clear that saving pattern deposit amount fluctuate in every year.
Current deposit amount is increase from 1 year to second year but years deposit amount
is decreased than year 2, similarly 4, year current deposit amount is increased than year 3
but year 5 deposit amount decreased than 4 year due to various reasons. From the
analysis of due to various reason from the analysis of above table we can get information
about current saving deposit amount fluctuate in every year.

Figure 2.1.6 (A) Saving Pattern (current deposit) 2070/071 to 2074/075

Current deposit
10000
8000
6000
4000 Current deposit
2000
0
Year Year Year Year Year
2070/071 2071/072 2072/073 2073/074 2074/075
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Table 2.1.6 (B) Saving Pattern (saving deposit) 2070/071 to 2074/075

Particular Saving deposit

Year 2070/071 136025.0
Year 2071/072 306060.4
Year 2072/073 288565.0
Year 2073/074 227955.0
Year 2074/075 256070.0
Total 1214675.4
(Source: Annual Budget of NIC Asia Bank Limited)

From the above table it is clear that NIC Asia Bank limited New Baneshwor branch
collect fund from various form of deposit. Saving deposit is most important to collect
fund and mobilization of deposit amount. Saving deposit amount is increased from 1 year
to 2nd year but deposit amount continuous decreased from year 2 to 5 year due to various
reason in the Bank and saver number. We can get information about the saving deposit
amount into the NIC Asia Bank limited New Baneshwor branch have significantly
decreased from initial period to end period of the over 5 years.

Figure 2.1.6 (B) Saving Pattern (saving deposit) 2070/071 to 2074/075

Saving deposit

350000
300000
250000
200000
150000 Saving deposit

100000
50000
0
Year Year Year Year Year
2070/071 2071/072 2072/073 2073/074 2074/075
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Table 2.1.6 (C) Saving Pattern (fixed deposit) 2070/071 to 2074/075

Fiscal Year Fixed deposit

Year 2070/071 32445.0
Year 2071/072 60545.0
Year 2072/073 18450.0
Year 2073/074 16233.0
Year 2074/075 52083.0
Total 179756.0
(Source: Annual Budget of NIC Asia Bank)

From the above table It is cleared that NIC Asia Bank limited New Baneshwor branch
collect more fund/ deposit from the saving pattern of fixed deposit amount. Fixed deposit
amount is increased in 2nd year than year 1 but amount of fixed deposit is continuously
decreased from year 2 to 4th year similarly at last fixed deposit amount is increased from
16233 to 52083 in year 5. It shows that fixed deposit amount also significantly change in
every year but at last fixed deposit amount also significantly change in every year but t
last fixed deposit amount increased than 1.3 and 4th year.

Figure 2.1.6 (C) Saving Pattern (fixed deposit) 2070/071 to 2074/075

Fixed deposit

70000
60000
50000
40000
30000 Fixed deposit

20000
10000
0
Year Year Year Year Year
2070/071 2071/072 2072/073 2073/074 2074/075
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Table 2.1.6 (D) No. of Account on Current deposit

Particular No. of Account on Current deposit

Year 2070/071 210.0
Year 2071/072 230.0
Year 2072/073 215.0
Year 2073/074 187.0
Year 2074/075 221.0
Total 1063.0

(Source: Annual Budget of NIC Asia Bank)

From the above table it is clear that number of saver/ Account in NIC Asia Bank limited
New Baneshwor branch fluctuate due to various. No. of A/c / saver/ depositor change
over the 5 year.

Figure 2.1.6 (D) No. of Account on Current deposit

No. of Account on Current deposit

250

200

150
No. of Account on Current
100 deposit

50

0
Year Year Year Year Year
2070/071 2071/072 2072/073 2073/074 2074/075
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Table 2.1.6 (E) No. of Account on saving deposit

Particular No. of Account on saving deposit

Year 2070/071 3200.0
Year 2071/072 3980.0
Year 2072/073 4050.0
Year 2073/074 4123.0
Year 2074/075 4745.0
Total 20098.0
(Source: Annual Budget of NIC Asia Bank)

From the above table it is clear that number of account on saving deposit of NIC Asia
bank changed in every year. No. of Account of saving deposit is increased in every year
from 3200 to 4745 over the 5 year. It is better achievement of the bank.

Figure 2.1.6 (E) No. of Account on saving deposit

No. of Account on saving deposit

5000

4000

3000
No. of Account on saving
2000 deposit

1000

0
Year Year Year Year Year
2070/071 2071/072 2072/073 2073/074 2074/075
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Table 2.1.6 (F) No. of Account on saving deposit

Particular No. of Account on saving deposit
Year 2070/071 60.0
Year 2071/072 70.0
Year 2072/073 40.0
Year 2073/074 33.0
Year 2074/075 54.0
Total 257.0
(Source: Annual Budget of NIC Asia Bank)
From the above table it is clear that No. of account in every change year due to change in
income level interest rate fiscal policy, government securities as well as competition No.
of Account increased in 2nd year But continuously decreased from 3,4 and 5 year than 2nd
year.

Figure 2.1.6 (F) No. of Account on saving deposit

No. of Account on saving deposit

70
60
50
40
No. of Account on saving
30 deposit
20
10
0
Year Year Year Year Year
2070/071 2071/072 2072/073 2073/074 2074/075

2.2 Major finding

The objectives of this report are to study and analyze of saving pattern of NIC ASIA
Bank limited New Baneshwor branch. NIC ASIA Bank can formulate new policy
strategy to attract potential customer/client toward their own Bank for the collection of
 21

deposit from various deposits of saving/deposit pattern of NIC ASIA Bank affected by
the change in income and other policy of government. Market competition is high
(customer/clients) people income level and consumption is also high in this area because
of the unemployment and lack of knowledge of saving as well as attraction towards
investment in the financial securities.
In this report the financial manager of the branch has significant role to change the
saving/deposit pattern amount into the bank on various account. No. of saver/account is
higher/increasing rate on saving account but other current account and fixed account
number fluctuate in every year. In the initial year number of account increase but in
middle and last number of account on NIC ASIA Bank continuously decrease due to poor
management and interest rate. There is more different in saving deposit and other current
and fixed deposit due to change number. Number saver/depositor have significant role to
change/fluctuate fund/deposit into the NIC ASIA Bank New Baneshwor branch.
The major findings of this report work are as follows:
1) Deposit amount fluctuate is saving, current fixed deposit over the 5 years.
2) In second year (saving pattern) all deposit amount increased than first year.
3) In third year and remaining year all deposit amount continuously decreased by
certain amount but exceptional case fixed deposit amount increased than other
year.
4) No. of account fluctuate in every deposit amount into the NIC ASIA Bank limited
New Baneshwor branch.
5) No. of account increased in second year on current deposit and fixed deposit on
saving deposit.
6) No. of account on saving deposit are continuously increased but deposit amount
decreased.
7) No. of account on current deposit and fixed deposit amount decreased in 3rd year
and fourth year than second year but at last year increased.
8) Deposit on saving pattern and number of account on saving pattern and number of
account on saving pattern fluctuate every year all over the 5 years.
 22

CHAPTER III

SUMMARY AND CONCLUSION

3.1 SUMMARY

The word bank was originated from the Italian word “Banca”. The first bank was
established in 1157 AD and named as the bank of Venice. After numerous banks were
established some were developed as the government bank, commercial bank and some
bank were established with the joint venture with other with other countries.

Through the history of banks as per the context of the world it seems quite long but in
course of Nepal it is not so very old. The banking process started very later. The banking
process started very later. The first bank established in Nepal was the Nepal Bank
limited and it was established in kartik 30, 1994 BS. Simultaneously, NRB was
established in 2013 BS and ADBC Agriculture development Bank 2024 BS. NIC. ASIA
Bank was founded as NIC Bank on 21 July 1998. It was renamed NIC ASIA Bank on 30
June 2013 after it merged with Bank of Asia Nepal for the all round development in
every sector the New Baneshwor Branch of NIC ASIA Bank.

According to the new revised course structure of BBS 4th the field work and report
writing has been included in the course of Bachelor Fourth year by Tribhuwan
University. Thus, the subject matter of the report writing is saving pattern of NIC Asia
Bank limited in the New Baneshwor Branch office. To get the more reliable and accurate
information regarding the saving pattern of NIC Asia Bank Limited. The writer of this
report has gone through the direct observation, direct interview and Secondary data such
as annual report includes No. of Account/Saver/depositor. Saving/deposit amount and
collection of fund from various sources and it is clear from the information given that
most of the saving /deposit amount of cover and their number of Account of NIC Asia
Bank limited New Baneshwor branch provided by the bank and all these information are
shown through the table and figure.
 23

So, from a deep study and analysis on the saving pattern of NIC Asia Bank limited New
Baneshwor branch. It could be summarized that the saving pattern of NIC Asia Bank.
Collection of fund, No. of Account, income level, affect of saving through different
determinates factor.

3.2 Conclusion

The conclusion we get after this report writing is listed in the point below:

 The banks collect money from various form of deposit into the NIC Asia Bank
Limited New Baneshwor, Kathmandu.
 In this bank the number account are five types among them the most popular
account are current deposit account, Saving deposit and fixed deposit in the
New Baneshwor branch.
 No. of Saver/depositor seems quite change/fluctuate in various saving/deposit
account to deposit their income into the bank.
 The bank offer deposit amount to the people to collect more fund.
 From the research carried out, number of account on saving deposit increase in
every year but amount of saving deposit is not increased.
 The bank has provided other facilities to the people/individual to earn profit.
 The Bank collects more funds from saving deposit, fixed and remaining current
deposit.
 No. of account is also higher in saving account than fixed account and current
account.
 The bank new strategy seem poor because number account deposit amount
relatively decreasing order than previous year.
 There is high competition and competitor in the market to collect fund and
provides services do the people in the context of banking service.
 24

BIBLIOGRAPHY

 Adhikari Ramesh Prasad, Acharya Khubi Ram, Lamichhane Bhubaneshwar and

Gyawali Sanjya (2015), Business economics.
 Annual Report Agriculture Development Bank, New Baneshwor branch.
 Luitel chakrapani " Banking and insurance " Nima Publication (2059).
 Paudel Rajan, Baral keshar J., Joshi Padam Raj, Gautam Rishi Raj and Rana
Surya (2016), financial institution and market.
 Pro.Dr.Pant Hem Raj (2007) "Guidelinea for field work writing "
Kathmandu,Nepal
 Singh HridyaBir and Khadka sher Jung 2059" Principle and law of Banking"
Nabin Publication.

Websites:
https://www.nicasiabank.com/

https://www.nicasiabank.com/about-us/introduction

https://www.nicasiabank.com/uploads/menu-files/banks-policy.pdf

http://sharesansar.com/newsdetail/nic-asia-banks-profit-decreases-1851-in-the-third-
quarter-eps-stands-at-rs-1540-and-net-worth-at-rs-13758
 25

Appendix-1
 26

Appendix-2 Deposit position of NIC Asia Bank Ltd.