CHAPTER -1 INTRODUCTION BACKGROUND The word ord "Ban Bank" has has bee been der derived ived from Itali talian an word ord "Banco". "Banco" means bench. At that time, in Italy, Italy, businessmen ' land land hold hold smit smith h used used to do thei theirr mone moneta tary ry tran transa sact ctio ion n plac placin in money on bench. !ater, it has been called as "Bank" in rench and in #nlish. After the first world war, $epal Bank limited was established unde underr $epa $epall Bank Bank act act 1%%& 1%%&.. After fter its its esta establ blis ishm hmen ent, t, n 1&th Baisakh ()1* B.+, $epal astra Bank act ()1( aimin to empower up on the nation's monetary transactions. +imilarly, reali-in the need need of comm commer erci cial al bank bankss in comm commer erci cial al sect sector or,, in ()(( ()(( B.+. B.+. astraya Baniya Bank was established under astriya Banya Bank act ()(1. There are five staes of rowth of bank in $epal. They are preliminary preliminary stae, irst stae, +econd stae, third stae and fourth stae. or the development of $epalese economy and techni/ues or bankin activity. activity. Meaning of Kist bank:0 ist ist bank bank has has been been serv servin in its its valu valued ed cust custom omer er sinc sincee ())*. The Bank has been runnin commercial bankin business in $epal. The Bank has a primary listin on the $epal stock e2chane limited. The prime obective at this bank is to render bankin services to the different sectors like industries, traders, corporate 3 prime customer, priority sectors 3 every other people who need bankin serv servic ices es . 4uri 4urin n the the peri period od 11 year yearss at its its oper operat atio ions ns,, it has has accommodated a lare number of clients 3 has been able to provide e2cellent service to them. 5resently the bank has many branches. ist bank is a well reputed 3 well known bank of $epal. Top e2porters, importers 3 business houses have established bankin relationship with this bank. ist bank is a financial institution. 6ain function of this institution to collect savin amount from public and to contribute the economic development of country. country. 1.1
1
It does the followin functions70 1. 8ollection of deposit (. !oan providin *. emittance of draft and che/ues &. International money e2chane 9. 6oney transfer :. ther mo modern fa facilities 1.2 PURPOSE OF OF THE ST STUDY The 5roect work is mainly based on the direction of T.;. in partial fulfillment of re/uirements re/uirements for the deree of B.B.+. An elective course has been desined with a view to develop nowlede in related 5roect theoretically as well as theoretically mind for practical us. urther purposes are as follows70 To now about bank's operatin system To suest about bank administration whether it is sound or not. To facilitate the investors for investiation of bank's li/uidity for their investment To know how bank manaes it's li/uidity between collection and use of funds. To analy-e the statement of bank. know whet whethe herr bank ank is abl able to refund fund the the depo eposit sits of To kno accountholders in the event of economic depletion or not. To know how bank and public are ettin feedback from others. To evaluate the bank li/uidity position collectively. 1.*. PROJECT WORK PROCEDURE 5roc 5roced edur uree is the the seri series es of work work whic which h help helpss to achi achiev evee e2pected oal in concerned subect matter. After conceptual 5roect work orientation class, I was iven an authori-ed letter for my future easiness in 5roect work process. irstly, I met the bank's e2ecutive and told the purpose of visi visiti tin n.. After fter a loya loyall re/u re/ues est, t, he dire direct cted ed me to the the rela relate ted d department as my subect title. In 19 days observation, I ained the knowlede of day to day bankin system i.e. collection, investment of deposits and orani-ational orani-ational structure. Also, I consulted some dints ist bank and knew opinions towa toward rdss ist ist bank bank..
became able to collect information, data and other documents which has been included in my 5roect work report. At the departure time, I was iven a certificate of my 5roect work. 1.5 LIMITATION OF THE STUDY !imitation means the boundary of any subect matter. The main limitation of this study can be concluded as lack of participation and involvement in this type of 5roect work reports previously lack of needed materials and information in time to prepare the report In addition, it is the established forecast, which may or may not happen in the comin year activities. 1.6 LITERATURE REVIEW All the literature previews which are included in this 5roect work report have been made from personal study and visitin the concerned place and from proress report of ist bank. This 5roect work report had fried to e2plain the contribution of ist bank by collectin the deposits and investin in development areas and providin facilities to local public with the help of diarams and fiures included in it. 1.7 RESEARCH METHODOLOGY DATA COLLECTION METHOD ! 4ata's are the main element of case study of any subect matter. +ubect has no importance with out data's. The data's can be collected from two sources for 5roect work report which are systematically described as follows7 P"#$%"& '()"*+', 1. These are the data's which the research himself collect firstly by direct contact on the spot. ;nder it, /uestionnaire is prepared with simple and short /uestions and interviews are conducted to the local public. The model of interview and *
/uestionnaire in collectin data throuh primary sources are as follows7 #! I+"/#+0, =hat is your name> =hat is your profession> ##! )+'#(%#"+,The researcher should ask the /uestions relatin to his subect matter with local people. +uch /uestions are framed in a systematic manner and which is called /uestionnaire. The data's can be collected thouh two sources7 #! I+"%3 S()"*+',Internal sources are the books which are followed to operate the office systematically. I have included the data's of bank's deposit and investments from its proress report. This bank has a main function of deposit collection and investment of them. ##! E4+"%3 S()"*+' ,Articles, $ewspapers, maa-ines are e2ternal +ources of data collection. I have collected balance sheet, pl account of different years of works sheet as secondary data's. They have been used to analy-e the li/uidity position of ist bank.
&
CHAPTER -2 DATA PRESENTATION AND ANALYSIS
2.1
MEANING OF LIUIDITY
The word "!i/uidity" can not be e2plained in a limited or bounded sense. It has a broad area where it ives different kinds of meanin in conte2t of stock of money in reserve, current, savin and fi2ed accounts with bank. !i/uidity may be defined as the money stock with banks and financial institutions which can be used to pay their accountholders. In other sense, it is the capacity to pay cash in e2chane of deposits. 2.2
IMPORTANCE OF LIUIDITY
All financial institutions have to maintain their li/uidity for different purposes. A certain percentae of collected amount should be reserved at $epal astra Bank and cash i.e. 9.9C of current and savin deposits. !i/uidity is important for different purposes. Those motives are iven below7 #!
T"%'%*#( M(#/+70 A!
9
T( $++ (+"%#(%3 3#%#3#&,-
=ith draw of deposits
!oan disbursement
5ersonal e2penses
BD ##!
To make payment to vendors
S+*)3%#/+ $(#/+,-
###!
2.
A!
orein e2chane holdin
BD
;nforeseen motive
P"+*%)#(%"& $(#/+ ,-
To meet continencies like fine errors, ta2 uarantee
FORMS OF MAINTAINING BANK8S LIUIDITY
There are different forms of maintainin their li/uidity in their own way. 6aor forms are mentioned below7
8ash and bank balance
5lacement money at overnment securities and other securities convertible into cash.
2.9
NEED OF DEMAND OF BANK8S LIUIDITY,-
Bank maintains !i/uidity as per its need bur less than 8 and +! prescribed by central bank. Bank needs !i/uidity to meet the followin obliations.
2.5 :
eply 4eposits
4isburse loan and advance
6eet continent !i/uidities
6eet other continencies
6eet miscellaneous liabilities.
NEED OF SUPPLY OF BANK8S LIUIDITY,-
The bank obtains its li/uidity from different sources dependin upon their nature. They are mainly classified into two roups7 A!
E:)#& L#:)##&,-
It consists of introduced by promoters and other publics at the time of its formation. 5rofit and amount received from sale of fi2ed assets are also included in this cateory. There are maor three e/uity !i/uidity7
B!
5aid up capital
etained earnin
eserve fund
B(""(0+ C%#%3
It refers to the fund available to the bank by third party. They are iven different types of borrowed li/uidity which are iven below7 iD 4eposits from accountholders iiD Amount to be received from recovery of loan. iiiD Amount refunded from investment securities. ivDAmount to be received from sellin share and debentures. vD !oan from central bank ,financial institution or money market. @iD Amount to be received for short time by the way of draft, letter of 8redit, T.T. 6.T. 2.6
FACTORS AFFECTING LIUIDITY
!i/uidity is payin capacity of bank to meet obliation which may arise in future. Bank has to keep li/uidity. +o, we have considered money factors. +uch factors are listed below.
E
+ources of bank capital
(.E
8hanin borrowin randomly
Trend in particular Aro0sector
#nd of alternative sources
6arket trend of interest rate risin
Field of borrows increased
!oan providin policy
6ore credit provisions for doubtful debts.
Time of repayment not adhered
TRADE OFF BETWEEN LIUIDITY AND PROFITABILITY
There are two opposite theories to mention li/uidity and profitability for ma2imi-in one si-e, another si-e and to reduce. In other words li/uidity and profitability are two wheels of a cart. !i/uidity and profitability should be carried toether by keepin balance between li/uidity and profitability. If li/uidity position is poor, it can not meet it's daily re/uirements. $o the other hand, if there is e2cess li/uidity at bank then no more amounts can be inverted in ma2imi-in profit satisfactory. Trade off between li/uidity and profitability is the maor task to be dischared by a bank.
2.; H
!i/uidity
5rofitability
0 4ecrease
G Increase
G Increase
0 4ecrease
CRITERIA OF MEASURING BANK8S LIUIDITY
2.;.1 LIUIDITY RATIO
!i/uidity ratios are calculated to test the li/uidity position or short0 term solvency position of the bank. !i/uidity position of bank means ability to pay current li/uidity. enerally, short0term creditors are interested in li/uidity ratio to assess li/uidity position followin are included in li/uidity ratios7 2.;.1.1 CURRENT RATIO
It is calculated to rest the ability of a firm to pay current liabilities out of current assets. It is calculated by dividin current assets by current liabilities. It's standard is (.1 8urrent atio 8D J8urrent assets 8AD8urrent liabilities 8!D
8urrent assets are cash, cash at bank interest receivable, Bills eceivable BD, Account eceivable A8 eceivableD, +tock, other receivables etc.
8urrent liabilities are creditors bills payable e t c B5D, Ta2 5ayable dividend payable, short0term loan, outstandin e2penses, any other payables etc.
F(" 2<67=<6;
8urrent Assets J 1((H19H(19 8urrent liabilities J %*1(H() 8urrent ratio J 8urrent assets8urrent liabilities J1((H19H(19%*1(H() J1*.1% F(" 2<6;=<6> %
8urrent Assets J 1:E9*1%9*E 8urrent liabilities J1)%)*)*1: 8urrent ratio8DJ 1:E9*1%9*E
1)%)*)*1:
J19.*E F(" 2<6>=<7<
8urrent Assets J :%9%1*H19G()E1EHE(%&G1EH&&E1&1G9H)E))&H9G:%9%1*H19 J *9%:*:(99) 8urrent liabilities J *9(99):G1%*9*%11& J 1%E):&:() 8urrent ratio8D J
*9%:*:(99)
1%E):&:()
J1H.(&
2.;.1.2 LIUID RATIO= ACID TEST RATIO
The relationship between /uick assets also called li/uid assetsD and current liabilities is known as !i/uid atio. It is calculated to ude the ability of a financial institution to pay current liabilities on the specified date.
!i/uid atio 8D J !i/uidKuick Assets KAD 8urrent liabilities 8!D It's standard is 171 !i/uid assets Kuick assets can be calculated as7 1)
Kuick assets J 8urrent assets L closin stock Gprepaid e2ps.D
F(" 2<67=<6;
!i/uid ratio J 1((H19H(19 %*1(H()* J 1*.1%7 %
F(" 2<6;=<6>
!i/uid ratio J
1:E9*1%9*E 1)%)*)*1:
J 19.*E F(" 2<6>=<7<
!i/uid ratio J *9%:*:(99)0:%9%1*H19 1%E):&:() J 1&.E1 T%3+ N(. 1 C)""+ % )#*? R%#(
11
years 8
():E):H 1*.1%71
K
1*.1%71
():H):% ():%)E) 19.*E71 1H.(&71 19.*E71
1&.E171
A%3&'#' , atio analysis of balance sheet shows the different ratios of
different years. It indicates the chanin position of ist bank li/uidity iD
In ():E):H, 8urrent ratio is better than standard. Kuick ratio is also better.
iiD
In ():H):%, 8urrent ratio is better than that in previous year and Kuick ratio is same.
iiiD In ():%)E), 8urrent ratio is more than ():H):%M but Kuick ratio is lower than previous year. (.H.( PROFITABILITY, 5rofitability is one of the important factors to measure the bank position. There are iven different year's total operatin profit and operatin e2penses in the table and shown by the fiure.
T%3+ N(. 2
1)
O+"%#@ P"(# % O+"%#@ E4+'+'
Fear ():E):H ():H):% ():%)E) peratin H&EE:H))) E(9&HE))) E9&&HE))) Operating profit and Exp
income 3500000000 peratin E9H)9:))) :11)*E))) :::)(*))) 3000000000
e2penses
2500000000
iure $o 1
2000000000 income1 expenses
1500000000
1000000000
500000000 0
1(
8 6 0 / 7 6 0 2
9 6 0 / 8 6 0 2
0 7 0 / 9 6 0 2
$et profit can be calculated deductin operatin e2penses from peratin profit. $et 5rofit J peratin profit 5D L peratin #2penses
T%3+ N( , O+"%#@ P"(# % + P"(# Fear ():E):H ():H):% ():%)E) peratin H%E1())) 11&&9)))) HH&99))) profit $et profit 9&))EE))) 1))(*())) 1(&:)))))
F#@)"+ N(,2 11 900000000 8000000000 70000000 600000000 500000000
Operating profit
400000000
Net profit
300000000 200000000 100000000 0 2067/068
1*
2068/069
0 7 0 / 7 9 6 0 2
2.;. LOAN COLLECTION AND INVESTMENT OF LOAN
The bank can not do anythin and also can't run in market without investment of loan. But loan collection capacity is an important matter than investment of loan because without collection of loan, bank's obectives and oals can not be fulfilled. There is iven investment of loan and loan collection capacity of ist bank in the table 7
T%3+ N( , 9 I/+'$+ ( 3(% % 3(% *(33+*#( Fear ():E):H ():H):% ():%)E) Investment (&*:%)))) (9*9E)))) *(9)))))) of loan !oan 119)))))) 1(9)))))) ((9)))))) collection in short time
350000000 300000000
F#@)"+ (,
250000000 200000000
Investment of loan
150000000
oan collection in s!ort time
100000000 50000000 0 1&
2067/068
2068/069
2069/070
(.H.& SOURCES OF FUNDS AND UTILISATION OF FUNDS The bank collects funds from different sources. 4eport collection is one of main sources of funds. But collection of funds is meaninless without utili-ation of funds of investment of collection. =ithout investment, bank cannot meet its obectives and oals. There are iven different sources of funds and utili-ation of funds of ist Bank as below7
T%3+ N( 5 S()"*+' ( )' % )#3#%#( ( )'
+ources of ():E):H ():H):% funds 8apital ())))))))) ())))))))) 4eposits 19H)H&H:)) 20173994
():%)E) :H)%:))))) H):*%)))))
00 !oan ther liabilities
0 9&EH(9)))
0 1%E)99)))
0 1)E:1)))))
;tili-ation ():E):H ():H):% ():%)E) of funds Bank and 1%HH*9())) :*1H))))) :*1H))))) cash !oan 3 1*&*E))()) 1&:&9*1E))) :)%9H))))) Borrow Includin purchase billD 19
Investment 1HE&11)))) *11:9E1)))
(9*9E))))
ther assets
*:%:)))))
&E()9H)))
9HE)1)))
(.H.9.
NATURE AND SIE OF DEPOSITS $ature and si-e of deposits also play important role in measurin and manain band's li/uidity position. The bank collects deposits by openin the followin accounts7 N 8urrent Account +avin Account N i2ed Account 6ore deposits in fi2ed account are very important for bank li/uidity and more deposits in current account are not important for bank li/uidity because the amount of current account should be returned to their accountholders in short time and as they demand. 4eposit in different accounts in different years are listed and analy-ed below.
T%3+ N(.6 D+('#' ( F& 2<67=<6;
4eposits 8all deposit current deposit savin deposit fi2ed 4eposit Total
1:
Amount In lakhD 9:9* HE)1 *E*)& (H%H1 H):*%
CD E.)1 1).E% &:.(: *9.%& 1))
E43%%#(, ist bank has total deposits e/ual to s. H):*% lakhs. The deposits in savin account is hihest which is s. *E*)& lakhs i.e. &:.(:C . The deposits in i2ed,8urrent and accounts are s. (H%H1,s.HE)1,s.9:9* lakhs and *9.%&C , 1).E%C and E.)1 respectively.
iure $o.: 4eposit In y ():E):H
A%3&'#', By analy-in the deposit structures from ()::):E to ():E):H, we can see that bank has collected more money in fi2ed account than other accounts. +o, we can say in round fiure that bank's li/uidity position is slihtly weak but ood and satisfactory. T%3+ N(.> D+('#' ( F& 2<6;=<6>
1E
4eposits 8all deposit current deposit +avin deposit fi2ed 4eposit Total
Amount In lakhD 9:9* HE)1 *E*)& (H%H1 H):*%
CD H.)1 11.E% &:.(: *).%& 1))
E43%%#(, ist bank has total deposits e/ual to s. H):*% lakhs. The deposits in savin account is hihest which is s. *E*)& lakhs i.e. &:.(:C . The deposits in i2ed,8urrent and accounts are s. (H%H1,s.HE)1,s.9:9* lakhs and *9.%&C , 1).E%C and E.)1 respectively.
iure $o.: 4eposit In y ():H):%
1H
A%3&'#', By analy-in the deposit structures from ():E):H to ():H):%, we can see that bank has collected more money in fi2ed account than other accounts. +o, we can say in round fiure that bank's li/uidity position is slihtly weak but ood and satisfactory. T%3+ N(.1< D+('#' ( F& 2<6>=<7<
4eposits 8all deposit current deposit savin deposit fi2ed 4eposit Total
Amount In lakhD 9:9* HE)1 *E*)& (H%H1 H):*%
CD H.)1 11.E% &:.(: *).%& 1))
E43%%#(, ist bank has total deposits e/ual to s. H):*% lakhs. The deposits in savin account is hihest which is s. *E*)& lakhs i.e. &:.(:C . The deposits in i2ed,8urrent and accounts are s. (H%H1,s.HE)1,s.9:9* lakhs and *9.%&C , 1).E%C and E.)1 respectively.
iure $o.: 4eposit In y ():%)E)
1%
A%3&'#', By analy-in the deposit structures from ():H):% to ():%)E), we can see that bank has collected more money in fi2ed account than other accounts. +o, we can say in round fiure that bank's li/uidity position is slihtly weak but ood and satisfactory. CHAPTER SUMMARY AND CONCLUSION .1
SUMMARY I think there is no need of mentionin the subect title as it has already been discussed earlier. In this chapter, I have tried to ive short description of my 5roect work report. ist bank was established to collect the funds and invest them in different sectors i.e. Trans for of funds, discountin of bills of e2chane, e2chane forein currencies, locker etc. ist bank is ivin different types of loan facilities in most competitive interest rate. i.e. housin loan,
.
e2ternal resources. +o Analysis refers to strenth L weakness L opportunity L Threat analysis. The former two terms are related to orani-ation's inner state i.e. internal resource. The last two terms are related to e2ternal activity. The orani-ation B!D should utili-e its resources, identity its strenth and weaknesses. The weaknesses should be timely manaed by improvin the structure and functionin of the bank. n the other hand, it should timely ain its opportunities with the help of resources and face with the threats. If so analysis is systematically done, it will enable the concern to meet its desired o and obectives. RECOMMENDATION OR REFORMS By analy-in the whole functions and structure of ist bank relatin to its li/uidity position and manaement,I think to ive followin recommendations and suestions 7 Bank should try to balance between collection and investment. !i/uidity ratio i.e. current and /uick ratios are satisfactory but to composer these, current assets should be encouraed and current liabilities should be decreased. 5ositions of different deposit are also ood but an endeavor to invest the in alternative productive sectors should be encouraed. 6anaement should e2tend its area out of the city to collect more deposits and to invest them in proper way. +=T analysis should be followed by manaement in utili-in records and makin decisions effectively.
(1
BIBLIOGRAPHY
5O#8T 6A$A#6#$T •
aendra 5. Adhikari
•
ovind am Arawal
•
4illira Bhandari
Bankin business in $epal
•
6onetary and Bankin 5rinciples •
((
atta Bahadur eshi
Introduction to enral nowlede •
Foendra Timilsinha
+hankar 8haulaai
5roect =ork assinment and report writin 1%%HD.
1.&. ORGANISATIONAL STRUCTURE Branch 6anaer
8redit !oan office
peratin In chare eportin
Asst. locker operatin
Asst . for loan renewal recovery etc.
!etter of 8redit or !etter of uarantee
peratin Inchare
Asst. Bills Oourrnal etc. 5ayment
peratin In chare Asst. Teller 1 8ash 4eposit
Teller ( 8ash 5ayment
emittance a2 etc.
A%3&'#',-
All the fulfilled. +o,
stats participate in
their work. =ithout one
start, the obect of a bank will
not be
they all do their helpfully and with wmmittment.
uard 1
uard (
uard *
(*
ACKNOWLEDGEMENT I have become very proud full for havin this olden chance of new
syllabus as desined by T; for BB+ prorammed under +crotal Area. This field work report has been prepared by the instruction of 5rovision of T; and is related with one of the financial institutions under proect manaement subect. I have chosen a topic L#:)##& ('##( ( Kist Bank .
I am very proud full for havin a chance for writin a ield =ork eport as my practical uses. I have tried to present !i/uidation and manaement of this bank. I hope it will be proved as a useful subect matter for all interested parties. irstly, I want to ive thank to the department chief of T; for
ACKNOWLEDGEMENT I have become very proud full for havin this olden chance of new
syllabus as desined by T; for BB+ prorammed under +crotal Area. This field work report has been prepared by the instruction of 5rovision of T; and is related with one of the financial institutions under proect manaement subect. I have chosen a topic L#:)##& ('##( ( Kist Bank .
I am very proud full for havin a chance for writin a ield =ork eport as my practical uses. I have tried to present !i/uidation and manaement of this bank. I hope it will be proved as a useful subect matter for all interested parties. irstly, I want to ive thank to the department chief of T; for providin such chance and also rateful to the department chief of Fouth 8ollee for its efforts to provide authori-ed letter. I also thank the concerned +ir N%$+ ( ')+* +%*+" ;nder whose direction this report has been 5repared. inally, I ive thanks to all the members and officers of I+T BA$ who helped me by providin data and information's needed to prepare this report. I would like to thank #verest 8omputer #ducation, 8omputer perator Mr. Abhishek Jha for his support by computeri-in these documents well.
Jenu Kumari Jha oll $o. 7 (H):H +ymbol $o.7 9H%))(9 e. $o.7 BB+ *rd Fear, ashree Oanak 8ampus, Oanakpur (&
TABLE OF CONTENTS S.N CHAPTER -1 P%@+ N( INTRODUCTION 1.1 BA8;$4...................................................................... 1 1.( 5;5+# T<#+# +T;4F.............................................. ( 1.* 5O#8T = 58#4;#........................................... * 1..& A$IPATI$A! +T;8T;#.................................... & 1.9 !I6ITATI$ T<# +T;4F............................................. 9 1.: !IT#AT;# #@I#=........................................................ 9 1.E #+#A8< 6#T<4!F............................................ 9 4ATA 8!!#8TI$ 6#T<4D CHAPTER -2 4ATA 5#+#$TATI$ A$4 A$A!F+I+
6#A$I$ !IK;I4ITF ................................................ & (.( I65TA$8# !IK;I4ITF.................................... & (.* 6+ 6AI$TAI$I$ BA$'+ !IK;I4ITF..... 9 (.& $##4 4#6A$4 BA$'+ !IK;I4ITF................... 9 (.9 $##4 +;55!F BA$'+ !IK;I4ITF ............. 9 (.: A8T+ A#8TI$ !IK;I4ITF.......................... : (.E TA4# B#T=##$ !IK;I4ITF A$4 5ITABI!ITF : (.H 8IT#IA 6#A+;I$ BA$'+ !IK;I4ITF... E (.H.1 !IK;I4ITF ATI....................................................... E (.H.1.1 8;#$T ATI...................................................... E (.H.1.( !IK;I4 ATI.................................................. % (.H.( 5ITABI!ITF................................................... 1) (.H.* !A$ 8!!#8TI$ A$4 I$@#+T6#$T !A$ 1( (.H.& +;8#+ ;$4+ A$4 ;TI!I+ATI$ ;$4+ 1* (.H.9 $AT;# A$4 +IP# 4#5+IT+ 1& CHAPTER - SUMMARY AND CONCLUSION (.1
(9
*.1 *.( *.* *.& *.9
+;66AF 8$8!;+I$ +=T A$A!F+I+D #866#$4ATI$ #6+ BIB!IA5
.
ABBEREVIATIONS (:
() () () (1 ((
T.U. -
Tribhuvan University
C.R.R. - Cash Reserve Ratio S.L.R. -
Statutory Liquidity Ratio
L.C. -
Letter o Credit
T.T. %.T. -
%oney transer
C.R.
-
C.&. -
Current &ssets
C.L. -
Current Liabi!ities
'(R -
'i!!s )ayab!e
'() -
'i!!s Re$eivab!e
*(S -
*utstandin"
LR
Liquidity Ratio
-
+' -
(E
Te!e"ra#hi$ Transer
Current Ratio
KIST Bank
FACULTY OF MANAGEMENT TRIBHUVAN UNIVERSITY
RECOMMENDATION
This is to certify that the field work assinment report
Submitted By
Jenu Kumari Jha oll $o. 7 (H):H #2am oll $o.79H%))*% T.;. ed. $o.7RRRRRRR. E#3+
!i/uidity 5osition of KIST Bank Ltd., Oanakpur
RRRRRRRRR... RRRR..RRRRR. +upervisor
(H
ashree Oanak 8ampus Oanakpur
Liquidity #osition o +,ST 'an Ltd. /ana#ur
SUBMITTED BY,
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SUMITTE T!:
Rashree /ana Ca#us /ana#urdha T"#)/% U#/+"'#&
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