Deposit mobilization of Nepalese commercial banks: A comparative study of Everest Bank Limited and Siddhartha Bank Limited
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Department of Management
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.