Trend Analysis Of sbl

7/27/2019 Trend Analysis Of sbl

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Contents

INTRODUCTION TO THE BANKING INDUSTRY & NIBL..................................2

1.1 Introduction......................................................................................................21.2 Origin of Bank in Nepal..................................................................................21.3 Commercial Bank in Nepal.............................................................................31.5 Growth of financial institutions......................................................................41. Introduction to Nepal In!estment Bank "imited..........................................4

DATA ANALYSIS AND FINDINGS..........................................................................52.1 #ata $ %ethodolog&......................................................................................52.2 'rend (nal&sis of )aid up Capital..................................................................6

2.3 'rend (nal&sis of total deposit........................................................................72.* 'rend (nal&sis of 'otal "oan.........................................................................82.5'rend (nal&sis of Net Interest Income...........................................................92. 'rend (nal&sis of Net )rofit.........................................................................102.+'rend (nal&sis of ,)-..................................................................................11

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IN'O#/C'ION 'O '0, B(NING IN#/-' $ NIB"

1.1 Introduction

(ccording to CrowtherA !"#$ % "# %#'%'('%)# *+%,+ ,)--,' /)# )/ '+)*+) +" %' " ) *+) " /)%# %' )(' ) '+% %#,)/ "# -# '+% )(' ')'+) *+) (% %'

(ccording to Nepal astra Bank act 224Bank is a financial institution, whichprovides financial services that may be in the form of accepting deposits, advancing

loan, providing necessary technical advices, dealing over foreign currencies,

remitting funds, etc.

0istor& and Origin of Bank

:+# '+ *) !"#$ % ( %' % /"#' ) ,)//,%"- !"#$. A,'("-- *) !"#$*" )%%#"' )/ G/"# '+)(+ )/ )- '+%#$ %' ') ! ) F#,+ "# I'"-%,)%%#. B) 1960 '+ *" #) (,+ *) " !"#$%#. H)*; %# '+ '/- )B"!-)# '+ ",'%, ) "("%# "# "%# -)(%+ " "- " 2000 B.C.C+"#"$" %# +% A'+"+"'" *%''# %# "!)(' 300 B.C /#'%)#%# "!)(' '+


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') )% ,%' ",%-%'% ') '+ #"- (!-%, "' " ,)#,%)#"- %#'' "'.T+ T""'+ A" %!( ,%' ') '+ )- )# '+ !"% ) ,)--"'"- ) )-"# %-. A-- /-) ) )#/#' * "-) -%%!- ) '+% ' )-)"#;*+%,+ *" ''- ! (,'%# )/ '+% "-". T""'+" A" NGO? )/%# -%/%' !"#$%# ",'%%'%. O'+ %#"#,%"-%#'%'('%)# ,)/% ) %#("#, ,)/"#%; /-)= )%#' (#; ,%'%#%#'/#' '('; )'"- "%# )%, "# N"- '),$


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N"'( "# ,) ) '+ !"#$%# %#(' ,"# ! $#)*# )/ '+ )--)*%# ",' "#%( "!)(' '+ !"#$%# %#('; ,%%,"-- ,)//,%"- !"#$.

1.5 Growth of financial institutions

'&pes of financial institutions Numer of institutions in mid 6ul&

1980 1985 1990 1995 2000 2005 2012C)//,%"- !"#$ 2 3 5 10 13 17 32

D-)/#' !"#$ 2 2 2 3 7 26 89F%#"#, ,)/"#% 21 45 60 79%,) ,%' -)/#' !"#$ 4 7 11 21S"%# "# ,%' ,))"'% 6 19 20 15

NGO>)/%# -%/%'!"#$%# ",'%%'% ?

7 47 45

'otal * + ** 78 181 281

'ale *9 Growth of financial institutions

T+ %#"#,%"- %#'%'('%)# *+%,+ " -%,# ! NRB " +%+-%+' %# '+ "!)'"!-.F)/ '+ "!) '"!- * ,"# '+"' '+ % " '/#)( )*'+ %# '+ #(/! )%#"#,%"- %#'%'('%)# %# N"- %# '+ -"' '*) ,". A' '+ !%##%# ) '+ 1980*+# %#"#,%"- ,') *" #)' -%!"-%; '+ * )#- '*) ,)//,%"- !"#$;"# '*) -)/#' !"#$ )/%# !"#$%# ",'%%'% %# N"-. T+ * #)/%,),%' -)/#' !"#$; %#"#, ,)/"#%; ,))"'% "# NGO *%'+

-%/%' !"#$%# '"#",'%)#. A' '+ -%!"-%"'%)# ) '+ %#"#,%"- ,'); %#"#,%"-,') +" /" " +"--/"$ ) !)'+ %# '/ ) '+ #(/! ) %#"#,%"-%#'%'('%)# "# !#%,%"% ) %#"#,%"- %,.

1. Introduction to Nepal In!estment Bank "imited

N"- I#'/#' B"#$ L'. >NIBL?; %)(- N"- I#)( B"#$ L'.; *"'"!-%+ %# 1986 " " )%#' #'( !'*# N"- "# F#,+ "'#. T+F#,+ "'# >+)-%# 50 ) '+ ,"%'"- ) NIBL? *" C%' A%,)- I#)(;" (!%%" ) )# '+ -"' !"#$%# )( %# '+ *)-.

:%'+ '+ ,%%)# ) C%' A%,)- I#)( ') %'; " )( ) ,)/"#%,)/%%# ) !"#$; )%)#"-; %#('%"-%' "# !(%#/#; +" ",(%)# A%- 2002 '+ 50 +"+)-%# ) C%' A%,)- I#)( %# N"- I#)(B"#$ L'.T+ #"/ ) '+ !"#$ +" !# ,+"# ') N"- I#'/#' B"#$ L'.()# ")"- ) !"#$J A##("- G#"- '%#; N"- R"'" B"#$ "# C)/"#R%'"J )%, *%'+ '+ )--)*%# +"+)-%# '(,'(.A )( ) ,)/"#% +)-%# 50 ) '+ ,"%'"- R"+'%" B"#%" B"#$ +)-%# 15 ) '+ C"%'"-.

R"+'%" B/" S"#'+"# +)-%# '+ "/ ,#'".

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T+ /"%#%# 20 !%# +- ! '+ G#"- (!-%, >*+%,+ /"# '+"'

NIBL % " C)/"# -%' )# '+ N"- S'),$ E


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"#"-%. T*) %#' /'+) +" !# ( %# '+% '( ) ),"'%#. T+"@

Linear Trend (First Degree Equation)

T+% /'+) % ( ) %''%# " '"%+' -%# ') " '%/ %. L%#" '# % /)",,("' *+# '+ "'" ' )--)* "# "%'+/'%, )%)#. T+ -%#" '# -%# %@ !0 M !1 =&>?& ?@ &

200001 1 5 2;713.50 >13;568? 25 >3;316.00?200102 2 4 2;713.50 >10;854? 16 1;071.64200203 3 3 5;796.43 >17;389? 9 5;459.29

200304 4 2 7;338.00 >14;676? 4 9;846.93200405 5 1 10;450.00 >10;450? 1 14;234.57200506 6 0 12;776.20 0 18;622.21200607 7 1 17;286.42 17;286 1 23;009.85200708 8 2 27;529.17 55;058 4 27;397.49200809 9 3 36;827.27 110;482 9 31;785.13200910 10 4 40;318.31 161;273 16 36;172.78201011 11 5 41;095.51 205;478 25 40;560.42'otal 2*48**.31 *824*1 11 201112 12 6 44;948.06201213 13 7 49;335.70 !1 4;387.64201314 14 8 53;723.34 !0 18;622

A '+ "#"-%; -)"# ) NIBL " %# ,)#'"#' )*'+ "' (# %*%). T+ '# % )%# ') ,)#'%#( %# # F%( %# 000;000?

ear A ?;ANet Interest income

=%illion> =&>A& ?@ &

9


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200001 1 5 186.30 >932? 25 >137.22?200102 2 4 195.80 >783? 16 76.35200203 3 3 270.30 >811? 9 289.92200304 4 2 405.20 >810? 4 503.49200405 5 1 532.20 >532? 1 717.06

200506 6 0 681.79 0 930.63200607 7 1 899.45 899 1 1;144.20200708 8 2 1;202.12 2;404 4 1;357.77200809 9 3 1;580.97 4;743 9 1;571.33200910 10 4 2;099.67 8;399 16 1;784.90201011 11 5 2;183.10 10;916 25 1;998.47'otal 1423+ 234*73 11 201112 12 6 2;212.04201213 13 7 2;425.61 !1 213.57201314 14 8 2;639.18 !0 931

T+ %#'' %#,)/ ) B"#$ +" "("-- %#," ) '+ 10 %+' ".H)* '+ ", ) )*'+ % +%+ "' 200405. S%/%-"-; '+ !"#$J +%+%#,/#' %# %#'' %#,)/ %# %,"- " 200910; *+# '+ %#"#,%"- '/ %",%# -%(%%' ,(#,+; )%#' ')*" '+ %,%#, ) '+ !"#$. T+ %#''%#,)/ %# '+ )--)*%# '+ " % "-) Y? "##(/ % R. 128.59 %--%)#. S%/%-"-; '+ "-( ) !0 ) ,)#'"#' % 500.63%--%)#.

S); '+ '# -%# % Q !0M !1 =&>A& ?@ &

200001 1 5 56.40 >282? 25 >142.34?

200102 2 4 57.10 >228? 16 >13.74?200203 3 3 116.81 >350? 9 114.85

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200304 4 2 152.67 >305? 4 243.45200405 5 1 232.14 >232? 1 372.04200506 6 0 350.53 0 500.63200607 7 1 501.39 501 1 629.23200708 8 2 696.73 1;393 4 757.82

200809 9 3 900.62 2;702 9 886.42200910 10 4 1;265.95 5;064 16 1;015.01201011 11 5 1;176.64 5;883 25 1;143.61'otal 545.78 1*41*5 11 201112 12 6 1;272.20201213 13 7 1;400.80 !1 128.59201314 14 8 1;529.39 !0 500.63

A '+ "#"-%; NIBL +" !# "!- ') /"%#'"%# '" )*'+ %# '/ )NAT. H)* %' )%' ," %# 201011 ,)/" ') 200910; %'J ( ')+%+ "/)(#' ) )%%)#%# ) #)# )/%# -)"#. A "- '"' ,') % )*#;

!"#$ +"%# +%+ F%( %# 000;000?

Y" ES>Y? #? ?2


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20062007 62.75 7 1 1 62.75

20072008 57.87 8 2 * 115.74

20082009 37.42 9 3 7 112.26

20092010 52.55 10 4 1 210.2

20102011 48.84 11 5 25 244.2'otal 51.31 11 183.31

20112012 56.94 6

20122013 58.60 7 !1 9.768

20132014 60.27 8 !0 4.44

A '+ "#"-%;A '+ "#"-%; '+ +" !# /"# ( "# )*# %# ES %# 20034; 20045.I#20078; '+ +" !# "'%, )*#"-- %# ES. H)*; )( "#"-% ,)/ ') '+

)%#' '+"' %' *)(- ! %# %#,"%# '# %# 201112201213201314.

Conclusion

N"-J B"#$%# ,') +" )*# %# '"'( ) '+ ,". T+ ",'("- ,)#,' ),)//,%"- !"#$%# '"' ') /"'%"-% - '+"# 20 " !",$ *+%,+ )%#' )('+)* )(# )( !"#$%# ,') % %# ,)/"%)# ') )'+ ,'). I# '+ !"#$%#,') ')); *%'+ '+


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,)#%#, %# '+/ " )# ) '+ /% !"#$%# %#'%'('%)# ) '+ ,)(#' *+%,+%# %'- " " -)' "!)(' '+ ,)/"#J '"#%# %# '+ %#"#,%"- ,').

B -%'%# %'- %# '+ N"- '),$; NIBL +" !,)/ " '(- (!-%, ,)/"# "#

(#-%$ )'+ %#'%'('%)# *+) +" /%/"#" )-J '('; NIBL +" ,)/ )(')# ') ,(%# ') 3 )%'%)# %# '/ ) #' )%' )# " ,)#%'#' !"%.NIBL % '+"*" +)- " " B' B"#$ ) '+ " )# 2003;2005;2006 "# 2010.)-,'"%#- +" !# /%(% *%'+ '+ ,)#,'%)# '+"' '+ !"#$ )#J' +" #)(+))'(#%'% ') %#' %# "# '+ "-- +" ",+ " "'("'%)# )%#'. I'J "/%(% '"'/#' !,"( '+ % ) /(,+ ))/ ) %#'/#' %# '+% ,)(#'"# #)' )#- +))* !(' "-) "-'#"'% # -%$ *%# *+%,+ )# ,"#

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Trend Analysis Of sbl