A STUDY ON CREDIT ANALYSIS OF HIMALAYAN BANK LIMITED | THESIS SAMPLE

A  STUDY ONCREDIT ANALYSIS OF HIMALAYAN BANK LIMITED | THESIS SAMPLE


A  STUDY ONCREDIT ANALYSIS OF HIMALAYAN BANK LIMITED


A Project Work Report


                                                                         Submitted By:
                                                                        XXXXXXXX
T.U. Regd. No: XXXXXXXXX
Campus Roll No. XXXXXXX
Symbol No.XXXXXX
Nepal Commerce Campus


Submitted To:
Faculty of Management
Tribhuvan University
Kathmandu

In Partial Fulfillment of the Requirement for the Degree of BACHELOR OF BUSINESS STUDIES (BBS)



Minbhawan, Kathmandu
May, 2017
DECLARATION

I hereby declare that the project work entitled A Study on Credit Analysis of Himalayan Bank Limited submitted to the Faculty of Management, Tribhuvan University, Kathmandu is an original peace of work under the supervision of Prof. XXXXXXXXX, faculty member, Nepal Commerce Campus, Minbhawan, Kathmandu, and is submitted in partial fulfillment of requirements for the award of 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
Manisha Basnet
Nepal Commerce Campus
Campus Roll No.: XXXXX
Date:  May, 2017







SUPERVISOR’S RECOMMENDATION


The project work report entitled “A Study on Credit Analysis of Himalayan Bank Limited” of project work report submitted by Manisha Basnet of Nepal Commerce Campus, Minbhawan, Kathmandu is prepared under my supervision as per the procedure and format requirements laid by the faculty of Management, Tribhuvan University, as partial fulfillment of the requirements for the award of the degree of Bachelor of Business Studies (BBS). I, therefore, recommend the project work report for evaluation. 


Signature:
Prof. XXXXXX
Nepal Commerce Campus
Date:-




ENDORSEMENT
We here by endorse the project work report entitled “A Study on Credit Analysis of Himalayan Bank Limited”. submitted  by  Manisha Basnet of Nepal Commerce Campus, Minbhawan, Kathmandu  in partial  fulfillment  of  the  requirements  for  award  of  the  Bachelor  of  Business  studies (BBS)  for  external  evaluation.
                                                                                  

………………………..                                                  ..…………………………….
Signature:                                                                                 Signature:
Prof. Dr. Shushil Bhakta Mathema                             Prof. Dr. Jeevan Kumar Bhattarai
Management Research Committee                                            Campus Chief
Date:                                                                           Nepal Commerce Campus




ABSTRACT

In this study, there are many financial and statistical instrument is calculated standard deviation shows that the dispersion of the loans and advances from the average amount is quite high. The loan circulation by the bank seems to be less consistent. The consistent in circulation of loan should be high that mean C.V should be high that mean C.V should be least which has not been obtained from these data so better care should be given in the loan performance.
The coefficient of the correlation between the total deposit and total loans and advances is 0.95, which is highly positive. This figure 0.95 shows that there is a perfect correlation between these two variables or in other words high degree of correlation. This definitely shows that by escalating the deposit the amount of the loans and advances is affected. for the analysis about the risk of these bank and also evaluation about the trend of total loan and advances of these bank.
The trend line represents the increasing trend of loan & advances of the Himalayan bank limited. The value of trend for five years 2011/12 to 2015/16. Its given regration equation,the average loan and advance maintained by the bank.

The ratio between Loan loss Provision to total Loan & advance has been presented. That increasing ratio of the provision for loan loss, to total loan & advance made by bank. In the initial period of F/Y 2011/012 bank made the provision for loan loss only Rs.66.57 million whereas for F/Y 2015/016 bank made Rs.400.73 million. It is true that provision for loan loss highly co-related with loan disbursement. But in comparison with F/Y2014/015 bank has decreased its total loan & advance.



ACKNOWLEDGEMENT

This report is my assignment as a partial fulfillment of project work course for the requirement of Bachelors of Business Studies program. I have great pleasure in presenting my report on “A Study on Credit Analysis of Himalayan Bank Limited”. I would like to thank to respected Prof.Lok Bahadur Rai,, who encourage me to complete this report. And I would also like to thank the entire staff members for their kind co-operation thorough guidance and providing valuable information required for the completion of the report.

This study has been completed under the intensive and genuine guidance Prof. Dr. Jeevan Kumar Bhattarai of Nepal Commerce Campus, Tribhuvan University for his tremendous help, valuable guidance, support and encouraging advices.

This project work would never have been completed, had I been unable to acquire invaluable recommendations from their guidance and incredible help and suggestions from my seniors and my close friends. I would like to express hearty thanks towards all the members of my family who provided regular inspiration and continuous contribution for my success. At last but not least I would like to express my sincere thanks to Mr. Ram Paudel for this valuable supports and suggestion in the preparation of this projcet.

Manisha Basnet
Nepal Commerce Campus
Date:  May, 2017

TABLE OF CONTENTS
Title Page                                                                                                                    i          
Declaration                                                                                                                 ii
Supervisor’s Recommendation                                                                                    iii
Endorsement                                                                                                               iv
Abstract                                                                                                                       v
Acknowledgements                                                                                                      vi        
Table of Contents                                                                                                        vii
List of Tables                                                                                                               viii
List of Figures                                                                                                             ix
Abbreviations                                                                                                              x
CHAPTER I: INTRODUCTION                                                                           1-9      
1.1  Background of the Study                                                                                     1
1.2  Statement of Problem                                                                                           7
1.3  Objectives of the Study                                                                                        7
1.4  Rationale                                                                                                               8
1.5  Report Structure                                                                                                   8
1.6  Limitation of the Study                                                                                        9
CHAPTER II: RELATED LITERATURE REVIEW                                        10-19
2.1Conceptual Review                                                                                                10
2.2 Review of Pervious Works                                                                                   14
2.3 Research Gap                                                                                                        18
CHAPTER III: RESEARCH METHODOLOGY                                               20-22
3.1 Research Design                                                                                                   20
3.2 Population and Sampling                                                                                      20
3.3 Types of Data                                                                                                       21
3.4 Data Presentation and Instruments                                                                       22
CHAPTER IV: RESULTS AND FINDINGS                                                       26-43
4.1 Financial Analysis of Banks                                                                                 27
4.2 Major Finding of the Study                                                                                  42
CHAPTER V: DISCUSSION AND CONCLUSION                                           44-47
5.1 Discussion                                                                                                             44
5.2 Conclusion & implication                                                                                     45       

REFERENCES

APPENDIX




















LIST OF TABLES

Table No.                                                                                                       Page No.
4. 1  Financial  highlights
4. 2 Trend of total loans and Advances
4. 3  Total  Interest income to total income from loan & advances
4.4  Interest income to total income
    4.5 Loan and Advances and its income.
    4.6  Provision for loans loss
    4.7 Total interest received and Paid.
4.8 Correlation coefficient between deposit & loans



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LIST OF FIGURES

Figure No.                                                                                                      Page No.
4.1  Financial  highlights
4.2  Percentage Change
4.3 Total  Interest income to  income from loan & advances ratio    
4.4  Loan and advance and its income         
4.5   loans loss Provision  to total loan & advances
4.6 Total interest received and Paid.
4.7 Trend line of loan and advance


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ABBREVIATIONS

%                                             Percentage
Amt.                                        Amount
BS                                           Bikram Sambat
G/N                                         Government of Nepal
i.e.                                           That is
Ltd.                                         Limited
NRB                                        Nepal Rastrya Bank
HBL                                        Himalayan Bank Limited
Rs.                                           Rupees
TU                                           Tribhuvan University
SD                                           Standard Deviation
CV                                          Coefficient of Variation
ILA                                         Income from Loan and Advance
TII                                           Total Interest Income
TLA                                        Total Loan and Advance
TD                                           Total Deposits


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