Deposit Mobilization Of Nepalese Commercial Banks: A Comparative Study Of Everest Bank Limited And Siddhartha Bank Limited

Abstract

The study entitled “Deposit mobilization of Nepalese commercial banks: A comparative study of Everest bank limited and Siddhartha bank limited” has been conducted having two samples such as EBL and SBL out of total 27 commercial banks. These two banks are composed as per their deposit mobilization activities by taking five years data from the year 2015/16 to 2019/20. The main objectives of this study are to identify and analyze the financial position of the sampled banks, to find out the relationship between deposits collection and total investment, to evaluate the interest structure of deposits as well as loans and Advance, to identify the ratio analysis of deposit and other variables. In this study various financial and statistical have been used. These tools make the analysis more effective, convenience, reliable and authentic. Financial tools such as liquidity ratio, assets management ratio, profitability ratio, risk ratio, growth Ratio are used to understand the financial position of the banks. Whereas statistical tools are used to analyze, identify and interpret the relationship between two or more variables. Such as Karl Pearson’s of coefficient of correlation analysis, mean, standard deviation, coefficient of variation, probable error and trend analysis are some of the tools used. This study suffers from different limitations, it considers two banks only and time and resource are the constraints of the study. Therefore the study may not be generalized in all cases and accuracy depends upon the data collected and provided by the organization. In an attempt to fulfill the objectives of the research work, all secondary data are compiled, processed and tabulated as per necessity and figures, diagrams and different types of chart are also used. On the basis of the major findings and the conclusion made, the following recommendations have been provided for the enhancement of the deposit mobilization. They are to maintain effective liquidity position, increase deposit Collection, make more investment in government securities, make profitable return, prefer aggressive defensive policy, invest deprive and priority Sector, make effective portfolio management.