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    A Research Porposal Dak Bahadur

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    Nabin Anupam
    This document is a research proposal that analyzes deposit mobilization at Kumari Bank Limited in Nepal. The proposal includes an introduction to Kumari Bank and its objectives, services offered, and expansion through acquisitions. The objectives of the study are to analyze saving deposit trends, costs, and utilization at Kumari Bank. The rationale is to understand how Kumari Bank, as one of Nepal's leading banks, attracts deposits and facilitates remittances. The literature review covers conceptual definitions of bank deposits like current, fixed term, savings and other accounts. The research methodology will use secondary data analysis and appropriate financial tools to evaluate Kumari Bank's financial performance and contributions to the economy.

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    A Research Porposal Dak Bahadur

    Uploaded by

    Nabin Anupam
    218 views6 pages
    This document is a research proposal that analyzes deposit mobilization at Kumari Bank Limited in Nepal. The proposal includes an introduction to Kumari Bank and its objectives, services offered, and expansion through acquisitions. The objectives of the study are to analyze saving deposit trends, costs, and utilization at Kumari Bank. The rationale is to understand how Kumari Bank, as one of Nepal's leading banks, attracts deposits and facilitates remittances. The literature review covers conceptual definitions of bank deposits like current, fixed term, savings and other accounts. The research methodology will use secondary data analysis and appropriate financial tools to evaluate Kumari Bank's financial performance and contributions to the economy.

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    proposal of Deposit Mobilization of Kumari Bank ltd

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    A RESEARCH PORPOSAL=======DAK BAHADUR

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    This document is a research proposal that analyzes deposit mobilization at Kumari Bank Limited in Nepal. The proposal includes an introduction to Kumari Bank and its objectives, services offered, and expansion through acquisitions. The objectives of the study are to analyze saving deposit trends, costs, and utilization at Kumari Bank. The rationale is to understand how Kumari Bank, as one of Nepal's leading banks, attracts deposits and facilitates remittances. The literature review covers conceptual definitions of bank deposits like current, fixed term, savings and other accounts. The research methodology will use secondary data analysis and appropriate financial tools to evaluate Kumari Bank's financial performance and contributions to the economy.

    Copyright:

    © All Rights Reserved
    Download as DOCX, PDF, TXT or read online from Scribd
    Download as docx, pdf, or txt
    218 views6 pages

    A Research Porposal Dak Bahadur

    Uploaded by

    Nabin Anupam
    This document is a research proposal that analyzes deposit mobilization at Kumari Bank Limited in Nepal. The proposal includes an introduction to Kumari Bank and its objectives, services offered, and expansion through acquisitions. The objectives of the study are to analyze saving deposit trends, costs, and utilization at Kumari Bank. The rationale is to understand how Kumari Bank, as one of Nepal's leading banks, attracts deposits and facilitates remittances. The literature review covers conceptual definitions of bank deposits like current, fixed term, savings and other accounts. The research methodology will use secondary data analysis and appropriate financial tools to evaluate Kumari Bank's financial performance and contributions to the economy.

    Copyright:

    © All Rights Reserved
    Download as DOCX, PDF, TXT or read online from Scribd
    Download as docx, pdf, or txt
    of 6

    A RESEARCH PORPOSAL

    DEPOSIT MOBILIZATION ANALYSIS OF KUMARI BANk


    LIMITED

    IN NEPAL[WITH REFERNCE TO KUMARI BANK LIMITED AND NEPAL

    SBI BANK LIMITED]

    BY
    DAK BAHADUR SHRESTHA
    G.P KOIRALA MEMORIAL COLLEGE CHABAHIL KTM
    CAMPUS ROLL NO: 
    T.U. REGISTRATION NUMBER:

    A Proposal Submitted
    To:
    G.P KOIRALA MEMORIAL COLLEGE CHABAHIL KTM
    Faculty of Management
    Tribhuvan University
    In partial fulfillment of the requirement for the Degree of Bachelor of
    Business Studies (B.B.S)
    Kathmandu, Nepal
    2019
    TABLE OF CONTENTS
    1.Introduction
    2.   Statement of Problem
    3. Objective of the Study
    4. Rationale  of the Study
    5. Literature Review
    6. Research Methodology
    .2 Introduction of banks
    Kumari Bank Limited, came into existence as the fifteenth commercial bank of Nepal
    by starting its banking operations from Chaitra 21, 2057 B.S (April 03, 2001) with an
    objective of providing competitive and modern banking services in the Nepalese financial
    market.

    Kumari Bank Ltd has been providing wide - range of modern banking services through
    89 points of representations located in various urban and semi urban part of the country,
    87 branches outside and inside the valley; and 2 extension counters. The bank is pioneer
    in providing some of the latest / lucrative banking services like E-Banking and Mobile
    Banking services in Nepal. The bank always focus on building sound technology driven
    internal system to cater the changing needs of the customers that enhance high comfort
    and value. Similarly the bank has been providing 365 days banking facilities, extended
    banking hours till 7 PM in the evening, Utility Bill Payment Services, Inward and
    Outward Remittance services, Online remit services and various other banking services.

    The Bank has been offering both Domestic and International Visa Debit Card and Credit
    Card, accessible in entire VISA linked ATMs in Nepal and India providing additional
    services to the customers. Along with this, the Bank has also been offering latest Mobile
    Banking and Internet Banking services.The bank has been able to get recognition as an
    innovative and fast growing institution striving to enhance customer value and
    satisfaction by backing transparent business practice, professional management, corporate
    governance and total quality management as the organizational mission.

    The Bank signed an agreement to acquire Kasthamandap Development Bank Ltd.,


    Paschimanchal Finance Co. Ltd., Mahakali Bikash Bank Ltd. and Kankrebihar Bikash
    Bank Ltd. by the end of Asadh 2074; with an objective to fulfill the directive forwarded
    by Nepal Rastra Bank to attain Paid up capital up to NPR 8 billion. The acquisition with
    four institutions extended to 74 branches, increased Bank's loan investment up to NPR 40
    billion and deposit up to NPR 50 billion .

    The key focus of the bank is always center on serving unfulfilled needs of all classes of
    customers located in various parts of the country by offering modern and competitive
    banking products and services in their door step. The bank always prioritizes the
    priorities of the valued customers.

    1.1 Objectives of the Study


    The main objective of this report is to analyze the saving deposits and remittances collect
    in KBL. The other objectives of this report are listed below:
     To find out the saving deposit trend of KBL.
     To find out the saving deposit cost.
     To analyze the utilizations of saving deposits.
     To provide information of Purpose of the Study remittance service of KBL.
    Rational
    These days, banking is seen to be developed in high rate. Many developments,
    commercials and many more types of banks are being established in today’s world. Bank
    has been considered as one of the most important sectors for monetary transactions.
    This report is done on the saving deposits and remittance of Kumari Bank Limited
    (KBL). KBL is one of the leading commercial banks in Nepal and is satisfying its
    customers by providing various services. So the reasoning behind the study on saving
    deposits and remittance of KBL can be addressed as follows:
    1. This study is done to analyze the saving trend of KBL.
    2. This study provides reasons behind why KBL is leading commercial bank.
    3. This study addresses the need of saving habit among people through the saving
    deposit trend of KBL and its benefits.
    4. The study on remittance of KBL make the people known about how the hard
    earned money of people working in foreign has been accessed easily through
    remittance.
    1.4 Literature Review
    This chapter highlights and deals with the literature relevant to this study. It
    comprises review of book, previous studies received, article review and review of
    policy documents.

    1.4.1 Conceptual Review


    A. Concept of Deposit
    Deposit collection is one of the main features of commercial bank. Commercial bank
    receives deposit in different accounts namely current filed and saving. These are the
    direct deposits. When a bank receives cash it grants a right to the depositors to withdraw
    it whenever they like Nepal Banijya bank. Act has regulated all the deposit. The act
    specifies. Deposit mean amount deposited in current filed and saving deposit account of
    hank of financial institutions.

    Among many functions of a commercial bank the main function is deposit function
    which all the commercial banks perform in simple terms deposit is a function of
    collecting surplus from savers. Bank accepts deposit from those that can save but can't
    utilize profitably. People accidents the deposit of commercial banks is increasing
    because people know its importance. So banks accept money on current saving. 3anks
    utilizes efficiencies to attract more deposits to increase credit activities. Deposits are with
    draw able according to the terms of contract with the depositors to attract the people o
    deposit the bank maintains different types of deposit accounts.

    1.3.4 Types of Deposit


    a. Current Deposit
    b. Fixed Deposit
    c. Call Deposit
    d. Saving Deposit
    e. Other Deposit
    a. Current deposit
    Current deposit is also known as demand deposit as the deposit is with draw able on
    demand. 8urrent deposits are withdrawn able on the demand of the customers. Banks
    have to make themselves ready to pay the depositors at hand to pay according to the wish
    of the customer. If the bank cannot pay the customer according to the demand, the
    reputation of the bank may fall of the banking activities may tail. The business people,
    business institutions who have to withdraw at any time normally open it. Since banks
    have to maintain high liquidity to meet customers demand, no interest is paid on such
    deposit.

    b. Fixed Deposit
    A fixed deposit account is an investment account and a type of savings account in which
    money is deposited for a stated period of time and a fixed interest rate is paid at the end
    of that period. It is a safer investment option when compared to other investment types
    such as shares or the money market. The rate of interest on this account is higher than
    other accounts. It is also known as time deposit. General this is for three months to file
    years.

    c. Call Deposit
    A call deposit account is a bank account for investment funds that offers the advantages
    of both a savings and a checking account. Like a checking account, a call deposit account
    has no fixed deposit period, provides instant access to funds and allows unlimited
    withdrawals and deposits.

    d. Saving Deposit
    A savings account is a deposit account held at a retail bank that pays interest but cannot
    be used directly as money in the narrow sense of a medium of exchange (for example, by
    writing a cheque). These accounts let customers set aside a portion of their liquid assets
    while earning a monetary return.

    e. Other Deposit
    It is a scheme of special type of deposit where some specified amount of money for
    specific period of note is accepted as deposit against a certificate given by the banker to a
    customer. Bank issues such the principal amount and will issue the will issue the
    certificate for such amount which will include the interest payable at maturity on the
    amount deposited. On maturity date any person presenting the certificate at the bank can
    encase the same. Such types of deposits are considered as time liabilities.
    1.5 Research Methods
    Evaluating the financial performance of the selected banks in a micro level and to
    highlight the efforts of the financial decisions of these banks in the economy at the macro
    level forms the basic objective of this research. Research methodology refers to the
    overall research process, which a researcher conducts during their study. Research can be
    conducted on the basis secondary data. Here in the study all the data and observed data
    are analyzed with using appropriate financial tools. To evaluate, analyze and interpret on
    every subject and discipline a detailed research plan is required. Without gathering
    detailed data and without applying different analytical tool it is impossible to confess
    anything about the related subject

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