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A Study On Saving Deposit of Himalayan Bank Limited

This document outlines a proposed study on the saving deposits of Himalayan Bank Limited. The study will analyze saving patterns, deposit mobilization, and utilization at the bank. It will examine the bank's deposit composition and market share. The objectives are to understand the bank's shareholders, deposits, loans, interest income, and profits. Secondary data sources will be used, including annual reports and the bank's website. Data will be presented through tables, charts, and diagrams. Limitations include using only past five years of data and secondary sources. The study aims to provide an analysis of saving deposits at Himalayan Bank Limited.

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BEINYULL FUYAL
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288 views6 pages

A Study On Saving Deposit of Himalayan Bank Limited

This document outlines a proposed study on the saving deposits of Himalayan Bank Limited. The study will analyze saving patterns, deposit mobilization, and utilization at the bank. It will examine the bank's deposit composition and market share. The objectives are to understand the bank's shareholders, deposits, loans, interest income, and profits. Secondary data sources will be used, including annual reports and the bank's website. Data will be presented through tables, charts, and diagrams. Limitations include using only past five years of data and secondary sources. The study aims to provide an analysis of saving deposits at Himalayan Bank Limited.

Uploaded by

BEINYULL FUYAL
Copyright
© © All Rights Reserved
We take content rights seriously. If you suspect this is your content, claim it here.
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A STUDY ON SAVING DEPOSIT OF HIMALAYAN BANK

LIMITED

A Project Work Proposal

Submitted by:
Binyul Kishor Phuyal
TU Regd No: 7-2-39-96-2018
Group: Finance
Shankerdev Campus
Campus Roll No: 244

Submitted to:
The Faculty Of Management
Tribhuvan University

In Partial Fulfillment Of the Requirement For The


Bachelor Of Business Studies (BBS)

Kathmandu, Nepal
February, 2023
1. Background of the study

The study is entitled as “ A Study on Saving Deposit of Himalayan Bank Limited ’’. A
savings account is a basic type of financial account that allow customers to deposit
money and typically earn a modest amount of interest. A savings account is a good place
to keep money for a later date, separate from everyday spending cash, because of their
safety, liquidity and interest-earning potential. These accounts are a great place for
emergency fund or savings for shorter-term goals, like a vacation or home repair. The
prime focus of the study is to analyze the saving pattern, its mobilization and utilization.
A bank is a financial institution established with an aim to collect money which are
unused and scattered and to provide such money as a loan to profit making sectors. Bank
offers attractive deposit schemes to collect money from public. Such deposits are then
mobilized to various productive areas. This act boost the economy of the country as a
whole. Moreover, I have selected Himalayan Bank Limited for the research because it is
one of the leading commercial bank in Nepal established in 1993.

2. Scope of the study

The scope of a study on saving deposits can vary depending on the research question and
design, but some common areas of focus include:

Types of saving deposits: This include a review and analysis of traditional savings
accounts, money market accounts, certificates of deposit (CDs), and other forms of
saving deposit products.

Market trends: This include an analysis of interest rates, account balances, and changes in
consumer behavior over time.

Consumer behavior: This include an investigation of the factors that influence consumer
choice in selecting a saving deposit account, including interest rates, fees, and access to
funds.
Government regulations: This include a review of government policies and regulations
that impact the saving deposit market, and an evaluation of their effectiveness in
promoting consumer protection and financial stability.

Consumer education and awareness: This include an examination of the level of


consumer knowledge and understanding of saving deposit products, and a review of any
gaps in knowledge that need to be addressed through education and outreach.

The specific scope of a study on saving deposits depend on the research question and
design, but the overall goal is typically to provide a comprehensive and up-to-date
understanding of the saving deposit market, and to identify areas for improvement that
can benefit consumers and the economy as a whole.

3. Statement of the problem

A Statement of the problem is a brief explanation of the issue to be addressed or a


situation to be improved on. It aims in identifying and explaining problem.
There are several problems associated with saving deposits that can negatively impact
consumers. One of the main problems with saving deposits is that they often offer very
low interest rates, making it difficult for savers to grow their savings. This can be
particularly challenging in an environment of rising inflation, where the value of money
is declining over time. Low interest rates can also lead to a phenomenon known as
inflation erosion, where the real value of money declines over time because of inflation.
This can make it difficult for savers to maintain their purchasing power and achieve their
long-term financial goals. Another issue with saving deposits is that they come with
restrictions on the number of withdrawals that can be made, or penalties for early
withdrawal. This can limit a depositor's access to their funds, making it difficult for them
to use their savings for unexpected expenses or emergencies. Some saving deposit
accounts also charge maintenance fees, which can eat into the depositor's interest
earnings and reduce the overall return on their savings. Some saving deposit products,
such as CDs, have penalties for early withdrawal, which can limit the depositor's ability
to access their funds quickly and easily. This can make it difficult for savers to respond to
unexpected financial needs or changes in their circumstances. Overall, the problems
associated with saving deposits highlight the need for consumers to carefully consider
their savings goals and needs, and to compare and evaluate different types of savings
products in order to find the one that best meets their needs.

4. Objective of the study

The general objectivity of the study is to analyze the saving pattern and its utilization.
Other specific objectives are as follows:
1. To know the structure of shareholders of Himalayan Bank Limited (HBL).
2. To find out the composition of deposit of HBL.
3. To explore national total deposits and share of HBL.
4. To examine nationwide saving deposit and share of HBL.
5. To analyze total deposit and share of saving deposit of HBL
6. To analyze loan and advances of HBL.
7. To analyze the interest income and profit of HBL.

5. Research methodology

It is a process of collecting data and information. The methodology include interviews,


surveys, publications, research, and other research techniques.

5.1 Sources of data collection


Data can be collected through primary and secondary sources. Primary data are the first
hand data collected through the direct involvement of the researcher whereas Secondary
data are research data that have previously been gathered and can be accessed by
researchers. Usually we use secondary data as our source in this level of research.
Secondary data used in this project are listed below:

a. Annual financial reports of Himalayan Bank Limited.


b. Official website of Himalayan Bank Limited.
c. Newspapers, books and articles.
6. Data Presentation and Analysis Tool

Different statistical, as well as financial ratios, are used for the analysis of data obtained
in the process of research. The attained data is presented, tabulated, and graphed to
analyze and achieve the objective of the study. The statistical tool used for data analysis
are annual average growth, percentage etc.

Further, the following tools have been used for data presentation:
a. Tabulation
b. Bar diagrams
c. Pie-chart

7. Chapter Plan

i) Introduction

It deals with the introductory part. It contains background of the study, banking scenario
in Nepal, profile of the organization, statement of the problem, the objective of the study,
review of literature, methods of data collection, limitations of the study, and definition of
terms.

ii) Chapter two – Result and Analysis

It deals with data presentation and analysis of results and findings. It displays a
systematic presentation of data collection and analysis of results and findings of project
work.
iii) Chapter three – Discussion and Conclusion

Chapter three, the last chapter of the study focuses on evaluating and interpreting the
results obtained. Further, it also deals with the present implication of results obtained and
conclusions drawn useful for future studies.

8. Limitation of the study

The major limitations of this study are mentioned below:

a. The Research is based on records of past five years only.


b. The researcher has used only some statistical tools for the presentation and analysis of
data.
c. Most of the data used in this study are based on secondary sources mainly the official
website of Himalayan Bank Limited.
d. The main focus is given to the quantitative aspect rather than the qualitative aspect.
e. It is only for partial fulfillment of Bachelor of Business Studies (BBS).

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