A Case Study On

Financial Analysis of Nepal S.B.I Bank Limited

Hattishar, Kathmandu

Submitted By:

AyushmaShrestha
T.U. Reg.No. 7-2-282-137-2008 Exam Symbol No. 2820006

A Field Work Report

Submitted To:

St.Xaviers College
Faculty of Management Tribhuvan University

In partial fulfillment of the requirements for the degree of Bachelor of Business Studies (B.B.S)
Kathmandu, Nepal November, 2011

FACULTY OF MANAGEMENT

TRIBHUVAN UNIVERSITY
RECOMMENDATION

This is to certify that the field work assignment report: Submitted by:

AyushmaShrestha
BBS Third Year T.U.Regd.No. 7-2-282-137-2008 Exam Symbol No. 2820006 Entitled:

A Case Study on Financial Analysis Of Nepal S.B.I Bank Limited Has been prepared as approved by this department. This fieldwork assignment report is forwarded for examination.

Date . Head of Department St.Xaviers College Maitighar, Kathamdnu

ACKNOWLEDGEMENT

This Fieldwork report is a partial fulfillment to the course of the B.B.S. third year, prescribed by T.U. and I have put my best effort of my capacity to make it a comprehensive one converting the entire gamut of this topic deemed necessary. In order to finish this study work within the given framework, I had to expedite this undertaking in every stage from the beginning to the end. However, from the outset, Nepal SBI and its various forms of deposit have been dealt with in general but the most significant aspect of t5his study in particular is the saving deposit and has been dealt with in detail as it is considered to be the most ideal form of deposit for the maximum benefit of any bank. This fieldwork report is accomplished with the honorable support of many individuals. So, I would like to extend my sincere gratitudeto our respected teacher Mr. Kedar Prasad Bhandari for guidance at different stages. Finally, I sincerely acknowledge my thanks to all the respected teachers, friends and assistance in completing the case study.

Ayushmashrestha BBS Third Year St.Xaviers College Maitighar, Kathmandu

INTRODUCTION 1.1 BACKGROUND OF THE STUDY............... Error! Bookmark not defined. 1.2 RATIO ANALYSIS ....................................... Error! Bookmark not defined. 1.3 MEANING OF COMMERCIAL BANKS .... Error! Bookmark not defined. 1.4 PRESENT SITUATION OF COMMERCIAL BANKS IN NEPAL .....Error! Bookmark not defined. 1.5 INTRODUCTION OF THE ORGANIZATIONError! Bookmark not defined. 1.5.1 ORGANIZATION STRUCTURE ..... Error! Bookmark not defined. 1.5.2 MARKETING DEPARTMENT ........ Error! Bookmark not defined. 1.5.3 OPERATION DEPARTMENT ......... Error! Bookmark not defined. 1.5.4 CREDIT DEPARTMENT .................. Error! Bookmark not defined. 1.5.5 FOREIGN EXCHANGE DEPARTMENT ....... Error! Bookmark not defined. 1.5.6 PERSONAL & ADMINISTRATION DEPARTMENT .............Error! Bookmark not defined. 1.5.7 COMPUTER SYSTEM DEPARTMENTError! Bookmark not defined. 1.5.8 THE MISSION OF THE BANK........ Error! Bookmark not defined. 1.5.9 THE OBJECTIVES OF THE BANK Error! Bookmark not defined. 1.5.10 THE SERVICES PROVIDED BY THE BANKError! Bookmark not defined. 1.6 IMPORTANCE OF THE STUDY ................. Error! Bookmark not defined. 1.7 STATEMENT OF THE PROBLEM ............. Error! Bookmark not defined. 1.8 OBJECTIVE OF THE STUDY ..................... Error! Bookmark not defined. 1.9 LIMITATIONS OF THE STUDY ................. Error! Bookmark not defined. 1.10 SCOPE OF THE STUDY ............................ Error! Bookmark not defined. 1.11 RESEARCH METHODOLOGY ................. Error! Bookmark not defined. 1.11.1 INTRODUCTION OF THE RESEARCH METHODOLOGY:Error! Bookmark not defined. 1.11.2 RESEARCH DESIGN ..................... Error! Bookmark not defined. 1.11.3 NATURE OF THE DATA ............... Error! Bookmark not defined. 1.11.4 POPULATION AND SAMPLES .... Error! Bookmark not defined. 1.11.5 RESEARCH TOOLS ....................... Error! Bookmark not defined.

1.11.6 SOURCE OF INFORMATION ....... Error! Bookmark not defined. PRESENTATION AND ANALTSIS OF DATA......... Error! Bookmark not defined. 2.1 LIQUIDITY RATIO ...................................... Error! Bookmark not defined. 2.1.1 CASH AND BANK BALANCE TO FIXED DEPOSIT RATIOError! Bookmark not defined. 2.1.2 CASH AND BANK BALANCE TO SAVING DEPOSIT RATIOError! Bookmark not defined. 2.1.3 CASH AND BANK BALANCE TO CURRENT DEPOSIT RATIO ..................................................................... Error! Bookmark not defined. 2.1.4 CASH AND BANK BALANCE TO TOTAL DEPOSIT RATIOError! Bookmark not defined. 2.2 PROFITABILITY RATIO ............................. Error! Bookmark not defined. 2.2.1 RETURN ON TOTAL ASSETS RATIOError! Bookmark not defined. 2.2.2 RETURN ON SHAREHOLDERS FUNDS .... Error! Bookmark not defined. 2.2.3 RETURN ON LOAN AND ADVANCEError! Bookmark not defined. 2.3 ACTIVITY RATIO ........................................ Error! Bookmark not defined. 2.3.1 INVESTMENT TO TOTAL DEPOSIT RATIOError! Bookmark not defined. 2.3.2 LOAN AND ADVANCES TO TOTAL DEPOSIT RATIO ......Error! Bookmark not defined. 2.4 STATISTICAL ANALYSIS .......................... Error! Bookmark not defined. 2.4.1 KARL PEARSONS CORRELATION COEFFICIENT ............Error! Bookmark not defined. 2.4.2 TREND ANALYSIS .......................... Error! Bookmark not defined. SUMARRY, CONCLUSIONS AND RECOMMENDATIONSError! Bookmark not defined. 3.1 SUMMARY ................................................... Error! Bookmark not defined. 3.2 CONCLUSION ........................................... Error! Bookmark not defined. 3.3 RECOMMENDATIONS ...................... Error! Bookmark not defined.

Bibliographies
Bhandari, D.R. (2003), Banking and Insurance Kathmandu: Ayush Publication. Dahal,B&Dahal S, A Hand Booking to Banking. Encyclopedia, The world book, America: Grolier Incororated, Vol.3, 1984 Garg,K.N, 1997, Money, Banking, Trade and Finance2nd edition, Allahbad: Kitab Mahal. Ghos,A. Financial Intermediaries and Monetary policy in developing Country, 1964. Khodaka S.J & Singh H.B Banking & Insurance: Asia Publication. Koch, M.L Money, Banking Management the Dryden ress, New York Lawrence J.Gilman, Principle of Management Finance, 9th Edition 2001, Andrson welsey longman(singapore). Rose, Peter S., (2002), Commercial Bank Management 5th edition, McGraw Hill/Irwin, p4 Subedi Raj Bhisma, Devkota Prasad Surya, Neupane Dipendra Kumar, 2062 Banking and Insurance BBS Singh Bir Hriday, 2062 Banking and Insurance BBS 3rd year, First edition.Asia Publications Vaidya Shakespeare, Banking Management, 1999 A.D. Report Annual 14th Previous Field Reports Monthly Newsletter of SBI, Kamal