DECLARATION
The project work entitled "Interest Rate of Loan And Deposit Analysis of Siddhartha
Bank Limited", submitted to faculty of management, Tribhuvan University, Kathmandu
is an original piece of work under the supervision of Mr. Nirmal kafle, faculty member
of Janta Multiple Campus (JMC), Itahari and is submitted in partial fulfillment of the
requirement for the award of the degree of Bachelor of Business Studies (BBS). This
project work report has not been submitted to any other university institutions for the
award of any degree or diploma.
…………………..
Signature
Prija Khadka
Date : April, 2024
ii
025-581300, 580064
JANT
A
MULTIPLE CAMPUS
(Affiliated to TU)
Estd – 2045
Itahari, Sunsari
Supervisor’s Recommendation
This work report entitled " Interest Rate of Loan And Deposit Analysis of Siddhartha
Bank Limited " is prepared by Prija Khadka of JANTA MULTIPLE CAMPUS (JMC)
for the partial fulfillment of the Bachelor Degree of Business Studies (B.B.S). She has
successfully completed the work and it is in the form as required by the Tribhuvan
University. Therefore, I recommend this report writing for approval.
……………………
Supervisor
[Link] kafle
Janta multiple campus
iii
025-581300, 580064
JANTA MULTIPLE CAMPUS
(Affiliated to TU)
Estd – 2045
Itahari, Sunsari
ENDORSEMENT
We hereby endorse the project work report entitled " Interest Rate of Loan And
Deposit Analysis of Siddhartha Bank Limited " submitted by Prija Khadka of Janta
Multiple Campus (JMC), Itahari in partial fulfillment of the requirements for award of
Bachelor of Business Studies (B.B.S) for external evaluation.
………………………… …………………………
Mr. Purushottam Dahal Prof. Dr. Gita Adhikari
Head of Management Research Committee Principal
Janta multiple campus Janta multiple campus
Date: April, 2024 Date: April, 2024
iv
ACKNOWLEDGEMENT
The fieldwork assignment report is written for fulfillment of Bachelors of Business
Studies (B.B.S) examination of Tribhuvan University. Fieldwork report writing is an
important task for BBS student. It is relatively a new experience for us. It helps us to
plan the assignment, locating information sources, collecting and analyzing data,
preparing charts and tables, direct observing the organizational task etc.
It is fully exercise of the student to write and complete to it but such exercise is
not possible to me without the help and co-operation of my professors, friends and other
concerned person. So, I would like to thank all of them for their help and co-operation
to complete this project report.
This Report comes out in its final shape due to the co-operation and guidance of
the lecture of the project teacher [Link] kafle for his inclusive comments and
suggestion at different stages. I would like to express my sincere gratitude to them who
kindly co-operation during reporting period. I am also thankful to the friendly staffs of
relevant field, which have assisted me by providing the relevant data.
……………………
Thankfully,
Prija Khadka
Itahari, Sunsari
BBS 4th year
v
TABLE OF CONTENTS
Title Page
Declaration ii
Supervisor's recommendation iii
Endorsement iv
Acknowledgement v
Table of contents vi
List of tables viii
List of figures ix
Abbreviations x
CHAPTER I
Introduction
1.1Background of the study 1
1.1.1Profile, events and activities 2
1.2 Statement of problem 2
1.3 Objective of the study 3
1.4 Rational of the study 3
1.5 Literature review 3
1.5.1 Concept of deposit 4
1.5.2 Review of previous work 6
1.6 Research methodology 8
1.6.1 Research design 8
1.6.2 Population and sample
8
1.6.3 Nature and types of data 9
1.6.4 Tools and techniques of analysis 9
1.7 Limitation of research 10
vi
CHAPTER II
Results and analysis 11
2.1 Presentation of data 11
2.2 Analysis of data 13
2.3 Major finding 14
CHAPTER III
Summary and conclusion 17
3.1 Summary 17
3.2 Conclusion 18
Bibliography 19
Appendix
vii
LIST OF TABLE
Table no. Page no.
2.1 Total deposit structure of SBL 11
2.2 Saving deposit of SBL Bank 13
2.3 Cash Reserve Ratio (CCR) 14
2.4 Saving deposit to total deposit ratio 15
2.5 Investment to saving deposit ratio 16
viii
LIST OF FIGURES
Figure no. Page no.
2.1 Total deposit structure of SBL 12
2.2 Saving deposit of SBL Bank 13
ix
ABBREVIATION
ACH - Automated Clearing House
ATM - Automated Teller Machine
CEO - Chief Executive officer
CAR - Capital Adequacy Ratio
CRR - Cash Reserve Ratio
GDP - Gross Domestic Product
Ltd. - Limited
SBL - Siddhartha Bank Limited
NRB - Nepal Rastriya Bank
S.D. - Standard Deviation
F/Y - Fiscal Year
B.S. - Bikram Sambat
AM - Arithmetic Mean
C.V - Coefficient of Variation