ABBREVIATIONS

ABBS : Any Branch Banking System

FY : Fiscal Year

Govt. : Government

EBL : Everest Bank Limited

PNB : Punjab National Bank

NRB : Nepal Rastra Bank

Rs : Rupees

S.D : Standard Deviation

SPSS : Statistical Package for Social Science

 ABSTRACT

This is the report prepared on Everest Bank Limited, Kathmandu studying the five years
total income. It studies about the interst income, interest expenses and other income. Interst
expenses are included in the data to calculate the net interest. In interest income, it studies
about interest received by giving loans, advances and overdrafts, govt. securities, and
others. In interest expenses it studies income from commission and discounts, foreign
exchange, non operating income and other income.
This report is divided into 3 parts. Part one deals with the background of the organization.
This report presented the history and introduction of Everest Bank. The objective of the
study as well as assumptions and limitations are also presented in the part one. The part two
includes presentations and analysis of the data. Analysis comprises of average net interest
income, average other income and average total income and its ratio. The part three is
concerned with the conclusion and recommendations where as some findings and
conclusions are made.

The bank has been successfully overcome from economic and competitive barriers to
establish it as a financially sound unit. The bank has been able to cope with the
environmental changes. Skilled manpower, strong organizational culture, well established
goodwill in the market, strong top managerial team are some of its key success indicators.
Problem in ATM machine slow document processing, and slow customer complains
responses are some weakness of the bank. It has good network in and outside Nepal.
Branches are growing all over the country to meet the new customer are some
opportunities for the bank where as political instability, unethical competition and instable
rules and regulations in banking industries are some threats to it. Based on the knowledge
and few days hard work there are some recommendation given to the bank in part three like
the bank should have reach in the rural sectors, the bank must have smooth communication
channel, frequent training are required to employees to increase proficiency, inefficient
contribution of department should be analyzed.
 TABLE OF CONTENTS
Title Page
Declaration
Supervisor’s Recommendation
Endorsement
Abstract
Acknowledgement
List of Tables
List of Figures
Abbreviations

CONTENT S PAGES NO.

CHAPTER – I: INTRODUCTION
1.1. History of Bank 1
1.1.1. Introduction to EBL (Everest Bank Limited) 3
1.1.2. Corporate vision and mission 4
1.1.3. Share ownership and holding pattern of the bank 5
1.2. Problem statement 6
1.3. Objective of the study 7
1.4. Rationale 7
1.5. Report structure 7

CHAPTER-II: RELATED LITERATURE REVIEW

2.1. Conceptual Review 9
2.2. Review of previous works 9
2.3. Research Gap 10

CHAPTER-III: METHODS
3.1. Types of Research 11
3.2. Population and sample 11
3.3. Source of data 11
3.4. Instrument 11
3.5. Limitation of study 12

CHAPTER–IV: RESULTS AND FINDINGS

4.1. Introduction to income of EBL 13
4.1.1. Type of sources of EBL 13
4.2. Interest income of EBL since last five years 15
4.3. Other income of EBL since last five years 19
4.4. Interest expenses since last five years 22
4.5. Total income since last five year 26
4.6. Regression analysis between deposits, investment and total income 29
4.7. Average income of EBL since last five years 36
4.8. Net interest income ratio 38
4.9. Other income ratio 38

CHAPTER-V: DISCUSSION AND CONCLUSION

5.1. Summary 40
5.2. Conclusion 40
5.3. Recommendation 40
REFRENCES
 LIST OF TABLES
CONTENTS PAGES NO.
1.1. Share ownership 5
1.2. Share holding pattern 6
4.1. Interest income of EBL since last five years 15
4.2. Descriptive statistics table of interest income 16
4.3. Correlation of interest income 17
4.4. Other income of EBL since last five years 19
4.5. Descriptive statistics table for other income 20
4.6. Correlation of other income 21
4.7. Interest expenses of EBL since last five years 22
4.8. Descriptive statistics table for interest expenses 24
4.9. Correlation of interest expenses 24
4.10. Total income of EBL since last five yea 26
4.11. Descriptive statistics table for Total income 28
4.12. Correlation for total income 29
4.13. Computation of regression between deposits and income 29
4.14. Regression between investment and income 32
4.15. Income of EBL since last five year 36
 LIST OF FIGURE
CONTENTS PAGES NO.
1.1. Share ownership 5
1.2. Share holding pattern 6
4.1. Source of income 14
4.2. Interest income of EBL since last five years 15
4.3. Graphical presentation of interest income from loan & advances 17
4.4. Graphical presentation of interest income from govt. securities 18
4.5. Graphical presentation of interest income from other 18
4.6. Other income of EBL 19
4.7. Graphical presentation of commission & discount 21
4.8. Graphical presentation of foreign exchange 22
4.9. Graphical presentation of non-operating income 22
4.10. Interest expenses of EBL since last five year 23
4.11. Graphical presentation expenses of deposit 25
4.12. Graphical presentation expenses of borrowings 25
4.13. Net income of EBL 27
4.14. Total income of EBL 27
4.15. Total income trend of EBL 28
4.16. Graphical presentation of net interest income 36
4.17. Graphical presentation of other income 36