A STUDY ON CREDIT ANALYSIS OF HIMALAYAN BANK LIMITED | THESIS SAMPLE
A STUDY ONCREDIT ANALYSIS OF HIMALAYAN BANK LIMITED | THESIS SAMPLE
A Project Work Report
Submitted By:
XXXXXXXX
T.U.
Regd. No: XXXXXXXXX
Campus
Roll No. XXXXXXX
Symbol No.XXXXXX
Symbol No.XXXXXX
Nepal
Commerce Campus
Submitted
To:
Faculty
of Management
Tribhuvan University
Kathmandu
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
|
27
29
31
32
34
37
38
40
|
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
|
28
30
31
33
35
36
39
|
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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