A STUDY ON TREND OF CURRENT DEPOSIT IN NMB BANK LIMITED  

  
A Project Work Report  

Submitted By  

Suresh Joshi 
TU Roll No 703270359 
T.U. Reg. No. 7-2-327-1038-2016 

Kailali multiple campus 

Group: Finance 

Submitted to 

The Faculty of Management 

Tribhuvan University 
Kathmandu 
In Partial Fulfillment of the Requirements for the Degree of 

BACHELOR OF BUSINESS STUDIES (BBS)  

Dhangadhi, Kailali 

January 2021
 
 
 
 
 
 
 
 
 
 
 
Declaration 
  
  
I hereby declare that the project work entitled A STUDY ON TREND OF CURRENT
DEPOSIT IN NMB BANK LIMITED submitted to the Faculty of Management, Tribhuvan
University, Kathmandu is an original piece of work under the supervision of Asst. Prof.
Rekha pant, faculty member, Kailali Multiple Campus, Dhangadhi Kailali and is submitted in
partial fulfillment of the requirements for the degree of Bachelor of Business Studies (BBS).
This project work report has not been submitted to any other university or institution for the
award of any degree or diploma. 
  
  
  
  
  
  
Signature:  
Suresh Joshi   
Date:  
 
 
 
 
 
 
 
 
 
 
 
 
ACKNOWLEDGEMENT 
  
  
This report entitled “A Study on Trend of Current deposit in NMB Bank Limited” has been
prepared in partial fulfillment for the degree of Bachelors of Business Studies (BBS) under
the course designed by the Faculty of Management, T.U. This study is based on the
prescribed research format involving the use of financial statement and deposit in banking
sector.   
At the time of preparing this study, I have consulted with various personalities. So, I would
like to extend my sincere thanks to all whose works and ideas helped me in conducting the
study. Sincerely, I would like to pay my sincere gratitude to my thesis advisor or supervisor
Mrs. Rekha Pant of Kailali Multiple campus who guided through research work with
providing valuable suggestions, supports and supervision. 
Finally, I would like to offer my profound gratitude to my family members, my friend,
colleagues, and well-wishers for their encouragement and support during the entire period of
my study. 
  
  
  
Suresh Joshi 
Kailali Multiple Campus  
Dhangadhi, Kailali 
  
  
  
 
 
 
 
 TABLE OF CONTENTS 
 
Title Page … … … …… … … … … … … … … … … … … … … … … … … … … … … i 
Declaration … … … … … … … … … … … … … … … … … … … … … … … … … … ii 
Supervisor’s Recommendation … … … … … … … … … … … … … … … … … … … iii 
Endorsement … … … … … … … … … … … … … … … … … … … … … … … … .... iv 
Acknowledgements … … … … … … … … … … … … … … … … … … … … … … … ...v
Table of Contents… … … … … … … … … … … … … … … … … … … … … … … …vi  
List of Tables … … … … … … … … … … … … … … … … … … … … … … … … …vii  
List of Figures… … … … … … … … … … … … … … … … … … … … … … … … … viii
Abbreviations … … … … … … … … … … … … … … … … … … … … … … … … … i x 
CHAPTER I: INTRODUCTION … … … … … … … … … … … … … … … … 1 
Background … … … … … … … … … … … … … … … … … … ……………….1  
Profile of org./ place/ events, etc. … … … … … … … … … …………….. … ....3 
Objectives … … … … … … … … … … … … … … … … … ………. … .5  
Rationale … … … … … … … … … … … … … … … … … … … ……….6  
Review … … … … … … … … … … … … … … … … … … … ………….7 
Methods… … … … … … … … … … … ……………………………….…...8 
Limitations… … … … … … … … … … … … …………………………….10 
CHAPTER II: RESULTS AND ANALYSIS … … … … … ….. … … ……11 
Data Presentation… … … … … … … … … … … …………..…………….. … …12 
Analysis of Results .. … … … … … … … … … …………. … .. … … … … ..20 
Findings … … … … … … … … … … … … …………. … … … … ….. 25 
CHPTER III: SUMMARY AND CONCLUSION … … … … … … … 27 
  
Summary … … … … ... … …. … … … … ... … … … … .. … … … 27 
Conclusion… … … … … … … … … … … … … … … … … … ….28 
  
BIBLIOGRAPHY … … … … … … … … … … … … … … … … … 29  
  
APPENDICES … … … … … … … … … … … … … … … … … … 30 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Abbreviation 
  
A.D = Anno Domini  
Asst. = Assistant  
FY = Fiscal Year 
FI = Financial Institution  
 NRB = Nepal Rastra Bank  
CD = Current Deposit  
Prof. = Professor 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
CHAPTER 1 
INTRODUCTION 
Background 
 
A current deposit is a financial instrument provided by bank which provides investor the
facility of withdraw money at any time. The bank and financial institutions provide lower
interest rate on current deposit then saving and fixed deposit. It is also called demand deposit.
The defining criteria for a current deposit are that the money can be withdrawn at any time.
However current deposit provides lower interest rate. Businessman and investors need huge
amount of money at any time; however, the money cannot be managed immediately so that
the business organization/investors deposit their money on current account rather than
fixed/saving account. 
Current deposit is those deposit which are withdrawn on demand. In other words, bank is
subject to give cash on demand deposit. Checking accounts, are commonly known as current
deposit in Nepal. Checking account is a type of current deposit bank account that allows you
to easily deposit and withdraw money for daily transactions. Generally, banks pay no interest
on current deposit but some bank pays low interest on current deposit. Rather bank charge
service fee to its customers directly and indirectly. Bank ask for minimum balance on these
accounts to cover the expenses to operate the account. Bank may provide overdraft facilities
on these accounts. Current account is an example of demand deposit account. 
Generally, the current deposit will be made available to the customers for withdrawal at any
time without any penalty. Current deposit is used for those businesses that have a need for
issuing cheques to pay employee salaries and bonus. The customer can deposit and withdraw
large amount of money on current deposit account. Current deposit is a non-interest-
bearing account which is suitable for the customers for regular business transactions. Current
deposit is suitable for individuals, business organizations and for others for the fulfillment of
depository requirements where they can withdraw money, transfer the fund easily. 
Current deposit account is opened by individual, businessman however mostly it is opened by
businessman who have to make a higher and regular number of transactions with the bank. It
includes deposit, withdrawals and contra transactions. It is also known as demand deposit
account. In current deposit amount can be withdrawn at any time without giving any notice. It
is also suitable for making payment to the creditors by issuing cheques.Cheques received
from the customers can be deposited in this account.  
There are many facilities of current deposit such as current deposit are operated to run a
business, it is non-interest-bearing bank account, it needs minimum balance to be maintained
as compared to saving account, penalty is charged if minimum balance is not maintained in
current deposit account, it is of continuing nature as there is no fixed period to hold a current
deposit account and so on. There are many benefits of current deposit such as it enables
business organizations/individuals to carry out their business transactions properly and
promptly, money can be withdrawn by businessman or individuals from their current deposit
without any limit, there is no restriction on deposit made in current account from different
branches of the same bank. However, the account holder can deposit cash from others bank
by paying a certain nominal charge as prescribed by the bank. Another benefit of current
deposit is that it provides the facility of internet banking and mobile banking to carryout
business transaction easily and quickly. 
NMB Bank has provided current deposit services. NMB Bank Limited is providing its
services since 2008. maximum current depositor of NMB Bank Ltd has business and real
estate and non-real estate investors. 
 
 
Profile of the NMB Bank Ltd. 
 NMB Bank Nepal is a commercial bank in Nepal with headquarters in Kathmandu. The
bank is licensed by central bank of Nepal, the Nepal Rastra Bank and has 163 branches
across the nation providing retail and commercial banking services. Recently, it acquired Om
Development Bank. The bank's shares are publicly traded in the Nepal Stock Exchange.
[2]
 The Bank has a joint venture agreement with Netherlands Development Finance
Company (FMO) a Dutch development bank which holds 17% of the bank's shares and is the
largest shareholder of the Bank. 
NMB Bank Limited licensed as “A” class financial institution by Nepal Rastra Bank in May
2008 has been operating in the Nepalese Financial market for over twenty years and is one of
the leading commercial banks in the banking industry. 
The Bank has a Joint Venture Agreement with FMO, wherein FMO holds 13.69% of the
Bank’s shares and is the largest shareholder of the Bank. In September 2016, the Bank signed
a Joint Venture Agreement with FMO, the Dutch development bank following which FMO
became the single largest shareholder of the Bank. The alliance with FMO positions the
NMB Bank in becoming the market leader in managing environmental & social risks and the
leading player in renewable energy and agribusiness. 
NMB Bank was awarded 'Bank of the Year - 2017', 'Bank of the Year 2018' and 'Bank of
the Year 2020' by The Banker, Financial Times, London. 
 
Vision 
Building communities through responsible banking, preferred by all stakeholders, enabling
customers and clients achieve their financial goals thus contributing towards prosperous
Nepal. 
Mission 
 Helping clients and customers to achieve financial security 
 Strengthening and promoting sustainable socio-economic development by
working actively with local and international stakeholders 
 Being responsible for bringing about positive environmental and social
impacts 
 Promoting self-reliance through financial products for real economy 
 Creating an innovative climate within the organization, utilizing the skills and
potential of staff. 
 Delivering banking products and services to create delightful customer
experience 
5Bs of Our Success 
 Be innovative with the changing time 
 Be a team player and deliver results together 
 Be responsible to our actions 
 Be prudent for sustainable and consistent growth 
 Be committed to service excellence 
 
Objective 
The main objectives of the study are to analysis the financial performance of the current
deposit of the NMB banks. There is no doubt that the role of commercial bank is significant
in the development of the country. NMB bank or commercial bank helps in the development
of the country by providing current deposit to the necessary sector. The basic objective of this
study is to analyze the current deposit of NMB bank ltd and the specific objectives of this
study are as follows: - 
a. To examine the current deposit collection of NMB bank ltd.  
b. To analyze the changing trend of current deposit of NMB bank ltd. 
  
  
 
  
 Rational 
This study is related with Current deposit position of NMB Bank Limited. There is a need of
growing linkage among different segments of the banking systems, Shareholders, public and
co-operative firms. This all are responsible factor of saving mobilization in any organization.
No Business can run smoothly without proper management of resource. Therefore, aim of
this research is to study about the financial position. 
 It is important to various groups: - 
 The study would be important for the student. 
 The study of this project work will be useful in upcoming generations. 
  This study will help to gain and share some practical knowledge. 
 It may be useful as references of review for reliant researcher.    
  
Review  
The review of literature is a crucial aspect because it denotes planning of the study. A
researcher work involves the use of reference materials. The concept of review of literature
involves reviewing research studies or other proposals in the related area of the study so that
all the past studies, their conclusions and efficiencies can be known and further researcher
can be conducted. In reality, review of literature provides knowledge about the past research
studies in one’s chosen area of study and suggests ideas to investigate the problem more
effectively. Review of literature is the process by which the researcher learns and understands
the concept of related literature. 
Bhattarai, (2013), in her thesis, “collection policy of commercial Banks in Nepal,” has made
an effort to examine the collection policy of commercial banks. She has concluded that
efficient utilization of resources is important than the collection of the resource. Lower
investment means lower capital formation which hampers the economic development of the
people and the nation. So, she recommended that banks give emphasis on efficient utilization
of resources. 
Sunity Shrestha has conducted a study on “Investment planning of Commercial Bank in
Nepal” with the objectives of: To evaluate the financial performance of commercial banks in
Nepal. To examine the of commercial banks of Nepal with reference to securities, collection.
To establish the relationship of bank portfolio variables with the national income and interest
rates.  
Bhandari, (2000) in his article entitled “Commercial banks and loan mobilization” conducted
that joint venture banks are operationally more efficient than the commercial bank. The joint
venture banks have achieved better performance by using modern technology, skilled
manpower and providing modern banking facilities where as commercial bank have been
burdened by the government policy ruler branching and financing PES having no
reimbursement capacity.  
 
Methods 
The rationale behind the study is to evaluate and assess the current deposition position NMB
Bank Limited. Thus, this chapter includes those methods and techniques used for finding out
a fore said purpose. 
Research methodology refers to the various sequential steps to he adopted by a researcher in
studying a problem with certain objective in view. It is a way to systematic solve the research
problem it may be understood as a science of studying how search is done scientifically.
Includes the various steps that are generally adopted by a researcher studying his/ her
research problem along with the logic behind them, it would be appropriate to mention here
that research project is not meaningful to any one unless they are in sequential order which
will be determined by the particular problem at hand therefore, this study aims at analyzing
and interpreting the purpose of current deposit of NMB bank limited. This chapter focuses
and deals with the following aspects or methodology. – Types of Research, Population and
sample, Types of data, Data collection procedure, Instruments, Technique of analysis and
limitation. 
Types of Data. 
According to the annual report of NMB Bank ltd. secondary data must to be use in this
report. Although, this study is based on secondary data. However, necessary suggestion is
also taken from various experts both inside the bank whenever required the necessary data is
obtained from NMB such as, published balance sheet, profit and loss account and other
related statement of accounts as well as the annual reports of the respectively banks.
Likewise, other related arid necessary information is also obtained from the publication of
security exchange center, Nepal Rasta Bank and other publications used for the purpose are
book & booklets magazine journals, newspaper school of thought etc. 
Data collection Procedure 
Data are the major parts of each types of the study. The most part of essential data has been
collected by the secondary sources. All related data are gathered as per the objective
determine in this report.  The data there of deposit and borrowings liquidity condition of
current deposit. The data availed sources are internal records, financial statement, balance
sheets, annual reports and booklets the bank. 
Techniques of Analysis  
Data obtained from the, various sources cannot be directly used in their original form further
they need to be verified and simplified for the purpose of analysis. Data information, figure
and facts so obtained need to be checked, rechecked edited and tabulated for computation.
According to the nature of data, they have been inserted in meaningful tables, which have
been shown in annexes. Homogenous data have been sorted in one table and similarly various
tables have been prepared in understandable Manner odd data excluded from the table. Using
financial and statistical tools data have been analyzed and interpreted. Data will be presented
in pie chart, bar diagram, Table, Graph. 
 
Limitation 
An effort has done for avoiding error while collecting, analyzing and interpreting the data.
Every research has to conduct within certain size. So, limitations of this research are follows: 
 The study only includes some tools for data analysis. 
 Only secondary data is used. 
 On the course of the study at least five-year data are used etc. 
 Due to the covid 19 primary data collection is difficult. 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
CHAPTER 2 
RESULT AND ANALYSIS 
In previous chapters, the researcher has highlighted overall development and situation of
NMB Bank lt. In addition, the relevant literature related to this study has been reviewed and
the research methodology has been discussed. To constitute the significant part of the study
this chapter is related with trend analysis of current deposit in NMB Bank ltd with the help of
different graph, diagram, pie chart and table. This chapter deals with the analysis and
interpretation of data following the researcher methodology dealt in the chapter. In the course
of analysis, data gathered from the various sources have been inserted in the tabular form
according to 'heir' homogenous nature. The various tables prepared for the analysis purpose
have been shown in annexes. Using graph, table, pie chart and diagram the data have been
analyzed the result. 
Data Present and Analysis 
All the data required for objective of study are presentation in systematic and effective
manner. The following presentation will possible or supporting the statement. NMB Bank
limited understands that people financial needs vary. So, efforts are made to reach out to as
many customers as possible in as many ways as it can. This is reflected in the portfolio of
services available to the customer with its unique features designed to satisfy particular
requirement. Ultimately, the bank focus to helps its customers in many ways from ordinary
day to day needs to complex life changing decisions. 
Among the various objectives of the study, one was to examine whether the depositors were
satisfied or not by the service provided by bank for this purpose, depositors of the bank were
personally interviewed add a questionnaire was given to be fulfill by them.  Presentation and
analysis of data is very important stage of research study. Its main purpose is to change the
unprocessed data into understandable form it is the process of organizing the data bye
tabulating and then placing that data in presentable form by using various tables, figures and
source. 
 
Data Presentation 
There is one types of current deposit to the secured of customers money deposit in the NMB
bank ltd. customers may draw the amount of current deposit any time of required to money to
the customers. This part presents the data in table, graph, diagram, and pie chart. In the fiscal
year 2071/072 total current deposit collect by NMB bank of Rs 50,122 million. Again, the
total collects of current deposit of Rs 63,616 million, 72,138 million, 84,510 million and
98,831 million on fiscal year 2071/072, 2072/073, 2073/074, 2074/75 and 2075/76
respectively.  
The trend of current deposit in NMB bank ltd in fiscal year 2071/072 to 2075/07 have been
present in table 2.1 
 

Fiscal Year  Amount collected By Current Deposit (In

millions) (In RS) 
2071/72   50,122 
 
2072/73  63,616 
 
2073/74 72,138 
 
2074/75  84,510 
 
2075/76  98,831 
 
Total  369,217 

Source: Annual report of NMB bank   

 
The above table no 1 represent the position of current deposit types of over different years.
Deposit is the main sources bank that can be clearly identified from the above tables.
Commercial bank like NMB bank limited generally yields profile playing with deposit fund
from the public. As the amount of deposit has the bank was increasing every year. As the
amount of deposit has the rising trend it reflects the bank has been very successful in winning
the faith of its customer. Besides this it represents that the bank is being succeeded on wining
market wide pride. In the fiscal year 2071/72 the total current deposits of Rs 50,122 million.
And total current deposit of Rs 63,616 million, 72,138 million, 84,510 million and 98,831
million on fiscal year 2072/73, 2073/74, 2074/75, and 2075/76 respectively. Analysis of this
table the current deposit of NMB bank ltd is going to increasing trend but increasing trend not
equal. 
 
Yearly deposit plots the diagram  
Figure no 1 

amount deposited in millions

120000

100000

80000

60000

40000

20000

0
2071/72 2072/73 2073/74 2074/75 2075/76

amount deposited in millions

In the above diagram shows that current deposit of NMB bank ltd. In the fiscal year 2071/72
the current deposit of Rs 50,122 million. Increased in current deposit in fiscal year 2071/072
to of Rs 13,494 million and reached to Rs 63,616 million in fiscal year 2072/73.

The current deposit was Rs 72,138 million in year 2073/074. It is increase by Rs 8,522
million in years 2073/074. Similarly, in year 2074/075 the current deposit is increase by Rs
12,372 million. In the year 2074/075 the current deposit was 84,510 million. The deposit in
year 2075/76 is 98,831 million and it increased by 14,321 million from year 2074/75.
Management team is very well. This indicates the part that current deposit is the main parts of
NMB bank limited. Again, this diagram shows that current deposit is increased by different
rate.

Figure Number 2

14%
27%
2071/72
17% 2072/73
2073/74
2074/75
2075/76

23%
20%

In the above diagram shows that current deposit of NMB bank ltd. In the fiscal year 2071/72
the current deposit of Rs 50,122 million. Increased in current deposit in fiscal year 2071/072
to of Rs 13,494 million and reached to Rs 63,616 million in fiscal year 2072/73.
The current deposit was Rs 72,138 million in year 2073/074. It is increase by Rs 8,522
million in years 2073/074. Similarly, in year 2074/075 the current deposit is increase by Rs
12,372 million. In the year 2074/075 the current deposit was 84,510 million. The deposit in
year 2075/76 is 98,831 million and it increased by 14,321 million from year 2074/75.
Management team is very well. This indicates the part that current deposit is the main parts of
NMB bank limited. Again, this pie chart shows that current deposit is increased by different
rate.

Figure No. 3

Amount deposited (in millions)

120,000

100,000

80,000

60,000

40,000

20,000

0
2071/72 2072/73 2073/74 2074/75 2075/76

Amount deposited (in millions)

In the above diagram shows that current deposit of NMB bank ltd. In the fiscal year 2071/72
the current deposit of Rs 50,122 million. Increased in current deposit in fiscal year 2071/072
to of Rs 13,494 million and reached to Rs 63,616 million in fiscal year 2072/73.

The current deposit was Rs 72,138 million in year 2073/074. It is increase by Rs 8,522
million in years 2073/074. Similarly, in year 2074/075 the current deposit is increase by Rs
12,372 million. In the year 2074/075 the current deposit was 84,510 million. The deposit in
year 2075/76 is 98,831 million and it increased by 14,321 million from year 2074/75.
Management team is very well. This indicates the part that current deposit is the main parts of
NMB bank limited. Again, this trend line shows that current deposit is increased by different
ratio.

Table No.: 2

Total number of customer’s current depositor on NMB Bank ltd.

Fiscal year No of customer current depositor

2071/72 209,118
2072/73 249,816
2073/74 285,600
2074/75 325,908
2075/76 380,785
Source: An unofficial interview with NMB Bank staff

In the above table shows that the total number of customers on current deposit in NMB bank
ltd. Is increased in every year. In the fiscal year 2072/73 customer increased by 40,698 and
reached to 249,816. Similarly, in year 2073/74 customer increased by 35,784 and reached to
285,600. In year 2074/75 customers increased by 40,308 and reached to 325,908 and finally
in year 2075/76 customers increased by 54,877 and reached to 380,785.

The above data are shown in the bar diagram.

Figure No. 4
 Number of customers
400,000

350,000

300,000

250,000

200,000

150,000

100,000

50,000

0
2071/72 2072/73 2073/74 2074/75 2075/76

Number of customers

The above diagram shows that no. of customer deposit in current account of NMB Bank Ltd.
During last five year. In the above diagram no. of customer has lowest in FY 2071/72 and
highest in FY 2075/76. No. of customer was increasing over the last five year but increasing
rate was not constant over the last five year.

Figure No.5

14%
The 26%
2071/72
2072/73
17%
2073/74
2074/75
2075/76

22%
20%

above pie chart shows that no. of customer opened the current deposits account of NMB
Bank Ltd. In the FY 71/72 no. of customer is 209,118 which cover 14 percent of total area. In
the FY 72/73 no of customers is 249,816 which covers 17 percent of the total area. In the FY
73/74 the total no of customer is 285,600 which covers 20 percent of the total area. In the FY
74/75 no of customer is 325,908 which covers 23 percent of the total area. Finally, in the FY
75/76 no of customer is 380,785 which covers 26 percent of the total area.

Table No. 3
Fiscal Year Current deposit (In Percentage increase in
millions) current deposit
2071/72 50,122 14.29
2072/73 63,616 26.92
2073/74 72,138 13.46
2074/75 84,510 17.15
2075/76 98,831 16.95
Source: Annual report of NMB Bank
The above table shows that percentage change in current deposit of NMB Bank Ltd. during
the last five year. In the table shows that percentage change in current deposit has positive.
The percentage increase in current deposit was 14.29 percent in FY 2071/72. That
percentage increased to 26.92 percent from 14.29 percent in FY 2072/73. The percentage in
current deposit of 2072/73 (i.e. 26.92 percent) decreased to 13.46 percent in FY 2073/74.
Again, percentage in current deposit increased to 17.15 percent from 13.46 percent in FY
2074/75. In the FY 2075/76, percentage rate in current deposit decreased to 16.95 percent.
Percentage increasing rate in current deposit were increasing and decreasing trend during
last five year.

Figure No.6
 Percantage increase in deposite
30.00%

25.00%

20.00%

15.00%

10.00%

5.00%

0.00%
2071/72 2072/73 2073/74 2074/75 2075/76

Percantage increase in deposite

The above diagram shows that percentage increase in current deposit of NMB Bank during
last five year. In the above diagram percentage increase in current deposit of this branch has
lowest in FY 2073/74 and highest in FY 2072/73. Percentage increase in current deposit of
NMB Bank Ltd were increasing and decreasing trend.

Figure No. 7

Series 1
30.00%

25.00%

20.00%

15.00%

10.00%

5.00%

0.00%
2071/72 2072/73 2073/74 2074/75 2075/76

Series 1
The above graph shows that percentage increasing rate in current deposit of NMB Bank Ltd.
during last five year. From above graph we found changing trend in current deposit of NMB
Bank Ltd. The above graph shows that increasing trend in current deposit of NMB Bank Ltd.
The chart also shows that rate of percentage in current deposit of this bank has been
increasing and decreasing. Line of percentage increasing rate in current deposit has
nonlinear.

Analysis of Result

Data obtained from the various sources cannot be directly used in their original form further
they need to be verified and simplified for the purpose of analysis. Data, information, figure
and facts which are obtained should be checked, rechecked, edited and tabulated for
computation. According to the nature of data, they have been inserted in meaningful tables,
which have been shown in annexes. Homogenous data have been sorted in one table and
similarly various tables have been prepared in understandable manner and odd data are
excluded from the table.

Data analysis is the process of classification of collected data. This stage consists of editing,
coding, categorizing, tabulating and presenting the data in chart. Most of the researcher use
statistical tools such as mean, median, mode, standard deviation, t-test, z-test etc to
analysis of data. But this project work reporter uses Graph, Diagram, and Pie chart to
analysis of presenting data. Data presentation part only is not sufficient for business results. So,
Analysis of results is very important stage of research study after study about the data presentation.
The analysis of results of presented data as follows:

Analysis of result of Current deposit collected by NMB Bank Ltd.

The yearly current deposit of NMB Bank Ltd. has been increased by 13494 million from
fiscal year 2071/072 to fiscal year 2072/073. This indicates that the branch has got success
in increment of current deposit. The reason of increment of current deposit was increased
in number of customers. But current deposit cannot be invested in long term period. So, the
liability of NMB Bank increased.

NMB Bank Ltd. collected current deposit of Rs 72138 million in fiscal year 2073/074 that has
been increased by 8522 million from fiscal year 2072/073. The increment of current deposit
was 13494 million in previous year; however, increment in current deposit has Rs 8522
million in fiscal year 2073/074. This indicates that the ratio of increment in current deposit
has been decreased. That would result the increase in cash collection in current deposit
account and liability to the bank
The amount collected by NMB Bank Ltd. In Current deposit account in fiscal year 2074/075
was 84510 million. It has been increased by 12372 million from fiscal year 2073/074. This
shown that the Bank achieved more cash collection in current deposit account. However,
the ratio of increment is increased from previous year.

The amount of fund in current deposit account in fiscal year 2075/076 was 98831 million.
That the collection has been increased by 14321 million from fiscal year 2074/075. It shows
that the collection increased by same ratio as compared to previous fiscal year 2074/075.

The collection in current deposit account collected by NMB Bank Ltd. has been increased in
every fiscal year from fiscal year 2071/072 to 2075/076. However, the ratio of increment
has found different. It was low in fiscal year 2072/073 to 2073/074 and high in fiscal year
2074/075 to 2075/076.

Data analysis of number of customers on current deposit in NMB Bank Limited.

Among the different three objectives of the study one was to examine the number of
customer current depositor from NMB Bank Ltd. The no. of current depositor customer is
very important for study about the current deposit. The analysis of no. of customer current
deposit as follows

In above table No 2 shows the number of clients on current depositor in NMB Bank Limited.
The number of clients has been increased in every fiscal year from 2071/72 to 2075/76.
However, the ratio of increment has found different. It was low in year 2072/73 to 2073/74
as well as 2073/74 to 2074/75. But it was high in year 2074/75 to 2075/76 and 2071/72 to
2072/73. From the above table the last five year the number of clients has found increased.
That would impact on total deposit, current deposit, and investment, liquidity position of
NMB Bank Limited. If number of clients has been increased then increased in current
deposit or short-term deposit increased and the bank plans for short term investment. This
can increase the liquidity position and profitability of the bank.