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Bank Limited
By
Anil khadka
T.U.:7-2-109-15-2014
Ganesh Multiple Campus
Submitted to:
Budhanilkantha, Kathmandu
December,2017
Introduction
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allows money to be deposited and withdrawn by the account holder.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.
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
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
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:
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:
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.
4.2 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.
4.4 Data Collection Procedures: Review of annual reports, various magazines, internet and
books as well.
a. Table diagram
b. Bar diagram
5.Structure of Report
The study has been organized to five different chapters. They are briefly mentioned
here:
Chapter-1 Introduction:
This introduction chapter contain the background of the study, introduction of bank,
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,
This chapter deals with presentation and analysis of data and it contain major findings.
This chapter cover summary, conclusion and recommendation and provides some
1 Collection of data.
10 Submit report.
7. References
(Bhandari, D.R. (2003), Banking and Insurance, Aayush publication ,Kathmandu, Nepal)
Kathmandu, Nepal)