1. Introduction Sudina ManandharDifference in Products Samjhana
RajakAnalysis Narayan SapkotaInterest Rate on Deposit Suman
KhatiwadaMarketing Activities Sundari TamangDevelopment of Deposit
Srijana ThapaConclusion & Recommendation Pradita Koirala
2. The Nepalese people were highly exploited by Shahu Mahajan
by charging higher interest rate that is compound interest rate and
even by manipulating the principle amounts. There used to be the
practice of borrowing and lending. Trade with India and China seeks
the need of financial institution, that can safely transfer money
from one party to another. In 1934, Nepal Bank Limited was
established with an objective to provide banking facilities to the
public. NBL has done the pioneering function spreading the banking
habits among the people. Nepal Bank Limited came up with a concept
of Secure money and grow money.
3. NABIL Bank, established in 1984 AD is the first private
commercial bank opened in Nepal with paid up equity capital of
Rs.30 million. Today there are 32 A class, 86 B class, 76 C class
and 21 D class banks. Banks are attracting customers by launching
new products, services and schemes. Today each business and non
business transactions are done through banks. New products and
customers that has attracted banks are: ATM service, ABBS system,
Interest rates, Internet and mobile banking, Zero-balance account,
Student account, Balbachat Khata, etc.
4. Establishment: Everest Bank was Establishment: Imperial Bank
of Indiaestablished in October 1994. it entered into established in
January 1921 became Statethe joint venture with Punjab National
Bank Bank of India on April, 1955. it has 5of India in January
1997. associate banks.Profit: Net profit during 2010/2011 was NRP
Profit: Net profit during 2010/2011 was US931.3 million. $36.95
billion.Target: As it is a commercial bank of Nepal, Target: SBI
provides a wide range ofits main target group are customers of
urban banking products through its vast networkarea. of branches in
India and overseas, including products aimed at NRIs.Branches: It
has domestic network of 46 Branches: SBI has 21500
branchesbranches, 22 collection counters and 58 including branches
that belong to itsATMs. Account holder of EBL can transact
associate banks including 157 overseasthrough more than 5600
branches and 6000 branches. SBI has about 26,000+ ATMs inATMs of
Punjab National Bank, India. India and Overseas.
5. Products: Products:Branchless Banking (Ghar- Dailo Banking
E-TicketingSewa) SBI E-TaxTouch 24 M-Banking Bill PaymentE-Banking
E-PaymentSMS Banking Fund TransferE-Ticketing State Bank Virtual
CardABBS ( first branch to introduce in Nepal) Eztrade@sbiMobile
Vehicle Banking system Foreign Travel CardEBL Remittance SBI
Express RemitEverest Debit Card Online ShoppingDeposit Schemes SBI
Credit CardLoan Schemes
6. EVEREST BANK LIMITED (EBL)SIDDARTHA BANK LIMITED (SBL) LAXMI
BANK LIMITED (LBL)
7. Amount in NPR (In Millions) Year EVEREST SIDDARTHA LAXMI
BANK BANK BANK2008/2009 15,855 16,051 33,3232009/2010 20,197 18,083
36,9322010/2011 21,576 18,300 41,128
8. 45000 40000 35000NRS (in million) 30000 25000 Everest Bank
20000 Siddartha Bank 15000 Laxmi Bank 10000 5000 0 2008/2009
2009/2010 2010/2011 Fiscal year
9. Amount in NPR ( In Millions)Year EVEREST BANK SIDDARTHA
LAXMI BANK BANK 2008/2009 4,860 296 1,044 2009/2010 4,173 354 820
2010/2011 4,791 512 750
10. 6000 5000Nrs. (in million) 4000 3000 Everest Bank 2000
Siddartha Bank Laxmi Bank 1000 0 2008/2009 2009/2010 2010/2011
Fiscal Year
11. Amount in NPR ( In Millions) Year EVEREST SIDDARTHA LAXMI
BANK BANK BANK2008/2009 292 114 2092009/2010 376 121 1482010/2011
410 156 192
12. 450 400 350Nrs. (In million) 300 250 Everest Bank 200
Siddartha Bank 150 Laxmi Bank 100 50 0 2008/2009 2009/2010
2010/2011 Fiscal Year
13. Amount in NPR ( In Millions) Year EVEREST BANK SIDDARTHA
BANK LAXMI BANK2008/2009 14,782 3,446 3,4632009/2010 13,360 2,961
3,6852010/2011 13,039 3,170 3,216
14. 16000 14000 12000Nrs. (in million) 10000 8000 Everest Bank
6000 Siddartha Bank 4000 Laxmi Bank 2000 0 2008/2009 2009/2010
2010/2011 Fiscal Year
15. Amount in NPR ( In Millions) Year EVEREST BANK SIDDARTHA
LAXMI BANK BANK2008/2009 7,050 7,158 7,1842009/2010 10,440 10,196
7,8212010/2011 15,062 11,458 9,453
16. 16000 14000 12000Nrs. (in million) 10000 8000 Everest Bank
6000 Siddartha Bank Laxmi Bank 4000 2000 0 2008/2009 2009/2010
2010/2011 Fiscal Year
17. Amount in NPR (in million) Year EVEREST BANK SIDDARTHA
LAXMI BANK BANK2008/2009 6,294 4,841 4,0052009/2010 8,413 6,565
5,4552010/2011 7,550 6,280 4,674
18. 9000 8000 7000Nrs (in million) 6000 5000 Everest Bank 4000
Siddartha Bank 3000 Laxmi Bank 2000 1000 0 2008/2009 2009/2010
2010/2011 Fiscal Year
19. Bank Name Product DescriptionEverest Bank Saving Interest
rate varies from 3.25% to 5% on daily basis Limited Deposit
depending upon the type of saving account. And interest rate for
Foreign Currency Deposit varies from 0.75% to 1.50%. Minimum
balance of NPR 500 to open account. Fixed Interest rate varies from
5.75% to 7.50% depending upon Deposit the maturity time. Saving
Interest rate varies from 5% to 7% on daily basis on different
Siddartha Deposit saving account.Bank Limited Fixed Interest rate
varies from 4.5% to 7.50% depending on the Deposit basis of
maturity of time. Saving Interest rate varies from 3% to 7.5% on
daily basis on Deposit different saving accounts.Laxmi Bank Limited
Fixed Interest rate varies from 6.5% to 11.5% on the basis of
Deposit maturity date.
20. PRODUCTS MEDIASaugat Bachat Khata Radio, Television and
internet and NewspapersFreedom Saving Through campaignsAccountGhar-
Dailo Banking Direct marketingSewaEBL Remittance Through hoarding
boards ,radio and newspapers.E-Banking Through radio and
broachersSMS Banking Direct SMSMobile Vehicle Banking Through
newspapers and campaign.systemE-Ticketing (yeti Through newspapers
and yeti AirlinesAirlines)Touch 24 M-Banking Through internet and
its website.
21. PRODUCTS MEDIASajilo Banking Sewa National Newspapers and
radioSiddartha SMS Alert System Through Direct SMSSiddartha Sajilo
Branchless Through direct marketingBankingSiddartha Remit Through
television and newspapers.Club Siddartha Card Through
newspapers.E-banking Through internet, radio and
newspaper.Siddartha Nari Bachat Through newspaper and
radio.iConnect Through internet.Sarvottam Bachat Through newspaper
and magazines.
22. PRODUCTS MEDIASMS Banking Alert! Brouchers and Hoarding
BoardMilijuli Bachat Through newspapers and radioGreen Saving
Through newspaper and newspaper.Club QFX Through internet and
televisionBhat-Bhateni Club Card Newspapers and radiaand
hoarding-boardMobile Money Through direct SMSE-Banking Through
newspapers.Dhanalaxmi Savings Television, radio, hoarding board and
newspapers
23. Total deposit of EBL ,SBL & LBL is in increasing trend
over 3 years because of new marketing activities and innovative
products and services. Current deposit over this 3 year is in
unstable trend. It might of because of political, economic
situation and due to NRB regulation. Among them EBL covers the
tremendously higher in comparison to other. Current deposit should
be promoted by introducing innovative schemes by all banks. Margin
deposit covers the lowest portion of the total deposit of 3 banks.
They are in fluctuating trend because of competition among banks .
Saving deposit is in fluctuating trend where EBL has the highest
deposit followed by SBL & LBL because of change in interest
rate . To increase or attract new customers minimum balance to open
account needs to be reduced.
24. All 3 banks shows an increasing trend and covers the
highest portion of the total deposit because of higher interest
rate facilities such as insurance policies credit facilitation can
be implemented to increase the portion of fixed deposit. EBL covers
the highest portion of call deposit followed by SBL and LBL. It is
in fluctuating trend because of liquidity position among these
banks. Bank needs to launch new technology and marketing activities
to attract more customers. As these banks prioritized urban areas
more focused should be given to attract rural areas customers by
launching new branches. Banks should encourage public to deposit
money in bank by organizing social and informational events which
will benefit our country.