Deposit Mobilization of Commercial Banks (With Reference To Scbnl, Ebl, Hbl &Rbb )

Abstract

Deposit mobilization is one of the major concerns for banks and this achieving the optimal level of earning deposit is vital. The main objective of this study was to identify deposit collection, mobilization of deposit, financial performance, relation and impact of the deposit on loan and advance and investment of EBL, HBL, RBB and SCBNL. To achieve the research objectives, the study adopts approach of quantitative method through secondary data sources. The selective samples are selected among 27 commercial banks. The secondary sources of data would extract from annual report of selected banks data from 2015/16 to 2019/20. The study shows that the deposit collections of banks are increasing day by day. In the comparison of mobilizing their deposit shows RBB in higher rank. Study indicates that RBB has good liquidity position, investment on productive sector and share and debenture. SCBNL shows the higher position in collecting deposit in comparison of EBL, HBL and RBB. Growth rate of total deposit, loan and advances and investment is increasing per year of EBL, HBL, RBB and SCBNL. The growth of net profit of RBB is higher than other. The regression and correlation of deposit on loan and advance shows that the positive higher significance relationship between deposit and loan and advances. The all sample banks are increasing their financial performance with the higher competition.