liquidity analysis of kist bank limited
TRANSCRIPT
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C h a p t e r -
I N T R O D U C T I O N
1.1 Introduction
1.1.1 Historical Background of Kist Bank Ltd.
The Kist Merchant Banking and finance limited (Bittiya Sanstha) was
incorporated in 2!" B#S# as a !!th company $nder the financial company %ct&
licensed 'y the epal astraya Bank (Central Bank of epal) to $ndertake financial
ser*ice in the co$ntry# The company has commenced its operation from 2+st ,e'r$ary
2 and the Kist Merchant Banking and ,inance .imited (Bittiya Sanstha) has 'een
transformed in to Kist Bank .imited on dated 2/th Baishak 200 B#S# same company
%ct& licensed 'y the epal astraya Bank (Central 'ank of epal) to $ndertake
Banking ser*ice in the co$ntry#
Kist Bank .td# has !+ 'ranches with /!+ staffs at the end of fiscal year 20010in which "#/03 staffs are female and 0#!/3 staffs are male# 4p to fiscal year of
%sar month& + staffs (2"#/"3) are holding Master degree& staffs (+#!!3) are
holding Charactered %cco$ntant degree& +/5 staffs (2#5+3) are holding Bachelor
degree& " staffs (+"#"!3) are holding 62 degree& staffs (#+3) are holding S#.#C#
degree and / staffs (5#503) are $nder S#.#C# of total staffs (/!+)#
K7ST Bank .td# is committed to pro*ide *ario$s financial ser*ices to its
c$stomers# The company encompasses a range of ser*ices& each catering to a specific
need or segment of the c$stomer# The company has an $n'roken track record of
di*idend payment since its first p$'lic iss$e of share# The company has set o$t theo'8ecti*e of reaching o$t to the general people with a host or prod$ct and ser*ices that
is e9pected to 'e helpf$l to them in their path to prosperity# :*er the *ery short period
of time& the company has achie*ed significant s$ccess in e9ec$ting this o'8ecti*e and
has created a tremendo$s sense of loyalty amongst its c$stomers# ;fficiency in
operation and has created a tremendo$s sense of loyalty amongst its c$stomers#
;fficiency in operation& integrity and a strong foc$s on creating the needs of the
indi*id$al people thro$gh high
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1.1.2 Ob!cti"! of KI#T Bank Ltd.
;*ery organi=ation has 'een opened with a certain o'8ecti*e and K7St 'ank has
also some o'8ecti*es#
a# To pro*ide competiti*e to all c$stomer thro$gh competent and processional and
e9perienced staff#
'# To reclaim leadership with in the national financial comm$nity and share its
e9perience to other financial instit$tion or companies#
c# To contin$e to maintain leading share of 'anking sectors with a significance
presence in all geographical areas in the co$ntry#
d# To con*enient to the people a'o$t the economics progression of the co$ntry and
their family to f$lfilling that need 'y pro*iding of the co$ntry#
e# To render ser*ice to the people whether rich or poor and to contri'$te to the
nation>s de*elopment with also need s$pport and 'est wishes of all which it hasconfident will 'e fo$rth coming#
f# To pro*ide technologically inno*ati*e ser*ices to its c$stomer#
1.1.$ #!r"ic!s %ro"id!s b& KI#T Bank Ltd.
Kist Bank .td# is well-e
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*iii# 7n*estment ad*ice#
i9# 7n*estment ad*ice#
9# ,ree %BBS facilities
9i# Ae'it card facilities
9ii SMS Banking facilities
1.1.' (cti"iti!s of KI#T Bank Ltd.
Kist has following ma8or acti*ities?
i# ario$s deposit schemes
ii# ario$s loan and ad*ances
iii# Market maker for go*ernment sec$rities
i*# on-f$nd 'ased ser*ices like iss$e of g$arantee etc#
The professional and friendly ser*ices are e9tended 'y the depth and strength of
the entire K7ST staff with access to the 'road range of financial ser*ices for the
'$siness and indi*id$al needs of the c$stomers# K7ST emphasi=es long-term c$stomer
relationship 'ased on *al$e-added ser*ices#
1.1.) Board *!+b!rs of KBL.
+# rof# ;r# Direndra Man radhan ? Chairman
2# Kamal rasad @nawali ? MA1C;:
# Chandra K$mar ai ? Airector
/# a8endra Shakya ? Airector
!# @ita @a$tam for E;A 7n*estment ? Airector
0# am rasad Aahal ? Airector
# @yan Bahad$r Fisi ? Airector
5# achana T$ladhar ? Airector
"# Ar# Aandpani ? Airector (Specialist)
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1.1., *anag!+!nt T!a+ of t-! KBL
+# Bhesra8 Khatiwada Chief ;9ec$ti*e :fficer (C#;#:#)
2# Balan Singh Aharti %ssistant Managing Airector
# Kamal rasad @awali Managing Airector1C;:
/# rag$n Shrestha Aep$ty @eneral Manager
!# Bal K$mar andey Company Secretary
0# S$rendra Chandra ,inance Aept#-Dead
# an8an andey Branch Co-ordination-Dead
5# M$k$nd S$'edy Branch-Manager (Dead :ffice)
"# ishi am e$pane Comm$nication G Tech# Aept# Dead
+# Mahesh Bhattrai Tracery Aepartment Dead
++# S$desh Ae*kota .oan Aept#-Dead
+2# 7shwar Karki DM-Dead
+# en$ rasad andey Aepots Marketing Aept# Dead
+/# Madh$s$dan Sharma Branch Manager Dead :ffice
+!# Man8ayra8 andey Credit isk :fficer
+0# Madha* rasad egmi .egal Aeposit :fficer
1.1. Branc-!s of t-! KI#T Bank/
1. *ain Branc-
%namnagar& Kathmand$
hone o#? +-/22!
,a9 o#? +-/20/0
2. But0al Branc-
Milan Chowk& B$twal
hone o#? +-!//25
,a9 o#? +-!/0""
$. %ok-ara Branc-
Sa'hagriha Chowk& okhara
'. Lalitur Branc-
Fawalakhel& .alitp$r
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hone o#? 0+-!2///
,a9 o#? 0+-!2+//
hone o#? +-!!0//
,a9 o#? +-!!5!!
). N!0 Road Branc-
ew oad& Kathmand$
hone o#? +-/2+& /2+/
,a9 o#? +-/22!
,. #uk-!d-ara Branc-
S$kedhara& Kathmand$
hone o#? +-/0!!"
,a9 o#? +-/0!!/
. N!algun Branc-
S$rketh oad& epalg$n8& Banke
hone o#? 5+-!20+
,a9 o#? 5+-!20
. Biratnagar Branc-
angeli oad& Biratnagar
hone o#? 2+-//!
,a9 o#? 2+-//!0
3. *anigra+ Branc-
Manigram& $pandehi
hone o#? +-!02"
,a9 o#? +-!02"
14. 5ulari&a Branc-
@$leriya& Bardiya
hone o#? 5/-/2+++
,a9 o#? 5/-/2++
11. It-ari Branc-
Biratnagar oad& 7thar
hone o#? 2!-!500
12. B-air0a-a Branc-
Siddharthanage& Bhairahawa
hone o#? 2!-!50
1$. K-airani Branc-
Ae*daha Khaireni& $pandehi
hone o#? +-!!
,a9 o#? +-!22/
1'. Da+ak Branc-
Fhapa-+& Aamal
hone o#? 2-!5+0
,a9 o#? 2-!5//0
1). Birta+od Branc-
Dikkola oad& Birtamod
hone o#? 2-!/2/!
,a9 o#? 2-!/!/
1,. Bagar Branc-
Bager okhara
hone o#? 0+-!2"+/
,a9 o#? 0+-!2"+!
1. Nara&angad- Branc- 1. Dolk-a Branc-
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arayangath Chitwan
hone o#? !0-!!20
,a9 o#? !0-!!25
Charikot&Aolkha
hone o#? /"-/2+5/
,a9 o#? /"-/2+5/"
24. Kot!s-0ar Branc-
Koteshwor Kathmand$
hone o#? +-//"50
,a9 o#? +-//"505
21. #ina+angal Branc-
Sinamangal Kathmand$
hone o#? +-//""5"0
,a9 o#? +-//5//0
22. D-aran Branc-
Mahendrapath& Aharan
hone o#? +-//"50
,a9 o#? +-//"505
2$. Da+auli Branc-
Aama$li& Tanah$
hone o#? 0!-!0+5
,a9 o#? 0!-!0+5/
2'. Tad-i Branc-
Tandhi& Chitwan
hone o#? !0-!00
,a9 o#? !0-!05
2). B-aktaur Branc-
S$rya'inayak& Bhaktap$r
hone o#? +-00+""
,a9 o#? +-00+0"+
2,. Darbar+arg Branc-
Aar'armarg& Kathmand$
hone o#? +-/22//15!/
,a9 o#? +-/220"/
2. 6anakur Branc-
Mills %rea& Fanakp$r
hone o#? /+-!2"0
,a9 o#? /+-!2"
2. K-ic-aok-ari Branc-
eople>s la=a Khichapokhari
hone o#? +-/+!!"1+
,a9 o#? +-/+!!++
23. 6orati Branc-
Forpati& Kathmand$
hone o#? +-//5/"+!
,a9 o#? +-//0/20
$4. B-ais!ati Branc-
Sai'$
$1. Birgun Branc-
%darshnagar& B$rg$n8
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hone o#? +-!!"25155
,a9 o#? +-!!"25"
hone o#? !+-!!2
,a9 o#? !+-!!2
$2. *angal Ba7ar Branc-
Tangal& .alitp$r
hone o#? +-!!2"0/
,a9 o#? +-!!!220"
$$. %ala Branc-
Makhan Tole& Tansen
hone o#? !-!22+121
,a9 o#? !-!22/
$'. *a-!ndranagar Branc-
Main Ba=ar& Bhimd$tta
agarpalika
hone o#? ""-!2215
,a9 o#? ""-!22"
$). D-angad-i Branc-
@odawari oad& Ahangadhi
hone o#? "+-!2"1+
,a9 o#? "+-!2"2
$,. (+arat- Branc-
%matpath& B$twal
hone o#? +-!/+++12
,a9 o#? +-!/++
$. Kali+ati Branc-
Kalimati& Kathmand$
hone o#? +-/25!/!1+5
,a9 o#? +-/25!"
$. T-a+!l Branc-
arsingh Chow& Kathmand$
hone o#? "-/2!500155+
,a9 o#? +-/205"+
$3. Kalanki Branc-
Kalanki la=a
hone o#? "-/25552
,a9 o#? +-/25/!
'4. Tulsiur Branc-
Chandani Tole& T$lsip$r
hone o#? 52-!0+5015
,a9 o#? 52-!0+55
'1. Do-ari Branc-
Bank oad& Aohari
hone o#? 52-!0+5015
,a9 o#? 52-!0+55
'2. 5ongu0o Branc-
@ong$wo& Kathmand$
hone o#? +-/5"01/5"
,a9 o#? +-/5"5
'$. *a-ragun Branc-
arayangopal Chowk& Kathmand$
hone o#? !-!20!51!20!5+
,a9 o#? !-!20!52
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''. Hat!uda Branc-
Main oad& Deta$da
hone o#? !-!20!51!20!5+
,a9 o#? !-!20!52
'). D-ading Branc-
Ahading Besi& ilkanth
hone o#? +-!2+51"
,a9 o#? +-!2++
',. #0a+b-u Branc-
Dalchowk& Kathmand$
hone o#? +-/!/215
,a9 o#? +-/!5!
'. #aura-a Branc-
Sa$raha& Bache$li
hone o#? !0-!5//
,a9 o#? !0-!5///
'. #ank-+ul Branc-
Sankhm$l& Kathmand$
hone o#? +-/5+2
,a9 o#? +-/5+05
'3. #atdobato Branc-
Chapagow Chowk& .alitp$r
hone o#? +-!!!2+
,a9 o#? +-!!!22
)4. Kausaltar Branc-
Ka$saltar& Bhaktap$r
hone o#? +-00+"100+/
,a9 o#? +-!!!22
)1. Ban!s-0or Branc-
Ae*kota& Kathmand$
hone o#? +-//"22+51+"
,a9 o#? +-//"22+2
1.2 #tud& Background/
This report is my assignment as a partial f$lfillment of internship co$rse for the
re
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The main p$rpose and o'8ecti*e of this st$dy is to know and acs responses towards the ser*ices pro*ided the 'ank#
0# The determine the areas in the 'ank where it need to enhance its ser*ices toimpro*e relationship with c$stomers and pro*iding achie*a'le sol$tion to
increase the le*el of satisfaction#
# To e9plore the s$ggestion for impro*ing and implementing them for 'etter
ser*ices to its *al$ed c$stoms#
1.' #tat!+!nt of robl!+/
The main aim of the commercial 'ank is the ma9imi=ation of profit and
minimi=ation of the cost as far as possi'le the mo'ili=ation of reso$rce they ac
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1.) Li+itation of t-! #tud&/
This st$dy has 'een cond$cted appropriately howe*er there were se*eral
complications which arose indigeno$sly# %t this research tries to 8$stify the e*ent in
accordance with the well known or already esta'lished tools and techni
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1. R!s!arc- D!sign/
esearch design is taken as less descripti*e '$t more prescripti*e 'eca$se the
historical secondary data has 'een employed of analysis# ,or concept$al framework
literat$re part more partially p$rpose# Some s information ha*e 'een proceed
thro$gh *ario$s process like a$diting& ta'$lating& and res$lt has 'een interpreted in the
form of ratio& percentage& and different types of diagram for clear *iew#
7n the a'o*e diagram& the researcher at the *ery first hand de*elops the
concept$al framework and in order to s$pport and 8$stify this& researcher generates
some a$thentic research
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The a'o*e diagram shows the 7nternship eport research process of st$dy while
preparing on ITotal Aeposit of K7ST Bank .td#I
1. Data Coll!ction/
There are se*eral methods of data collection '$t most the common and $sesones are primary and secondary methods# %ccording to Seltiw& write the looks as
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'# The pro'lem of non-a*aila'ility of re
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C-at!r9 ::
%R;#;NT(TION (ND (N(Ls Li=uidit&
.i
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2.' .( D!osit In"!st+!nt Ratio ?DIRA
Aeposit in*estment ratio shows the amo$nt in the 'ank after pro*iding loan o$t
of deposit collected# %ccording to Ndeposit mi9 strategyL& c$rrent acco$nt& sa*ing acco$nt
G fi9 acco$nt need +3& -/3 G !-+3 of li
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2.'.B Curr!nt Ratio
The relationship 'etween c$rrent assets and c$rrent lia'ilities is known as
c$rrent ratio# Digh c$rrent ratio indicates 'etter li
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8igur!9 2
7n the gi*en fig$re 9-a9is shows the years from 20!100 to 20"1 in whichthe position of c$rrent ratios and y-a9is shows the times of c$rrent ratios which is
calc$lated in a'o*e ta'le# The c$rrent ratio is high in ,#H#0010# So& it means this year
the li
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The fi9ed deposit is long-term lia'ility# Digher c$rrent lia'ilities ca$se lower
li
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The a'o*e ta'le shows the decreasing ratio of Sa*ing deposit with respect to
total deposit& which certified the declining li
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The a'o*e ta'le shows the decreasing ratio of Sa*ing deposit with respect to
total deposit& which certified the declining li
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m$ch& which is not profita'le for the 'ank# ow the a'o*e are presented as 'ellow in
graph? -
2.'.5 %rofitabilit&
K7ST Bank is a commercial instit$tion ha*ing profit moti*e # 7 pro*ides to
its c$stomer and get ser*ices charge in ret$rn# Bank charges interest on its lending and pay
interest on deposit collected# B$t it accepts deposit at a low rate and pro*ides .oan o$t
higher rate# This difference 'etween amo$nts of interest is gross profit and residential
amo$nt of after ded$cting operating e9penses is net profit# Digher profit ca$ses higher
li
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Tabl! No 9
8.
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sourc! / 000.kistbank.co+.n
%ccording to a'o*e ta'le& that represents the inward remittance is higher than
o$tward remittance# 7t means 'ank sho$ld 'e kept more li
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C-at!r9::I
# U**(R
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#tr!ngt-?
A$ring my st$dy period&7 ha*e fo$nd K7ST Bank Fanakp$r& strength are as follows?
i# 7t has moderately strong financial position#
ii# .arge no of acco$nt holder#
iii# .arge market si=e#
!akn!ss/
i# 7t has not comp$teri=ed system#
ii# atio modern is not introd$ced in 'ranch#
iii# 7t has a rented '$ilding#
Oortunit&/
Da*ing good financial e9istence&this 'ank has not got any reasona'le e9ploitation
opport$nities#
T-r!at/
Digh competation&scattered Market si=e&sl$ggish economic growth&
political insta'ility& wrong policies of K7ST Bank& 'adwanes m$shrooming of
financial instit$tion are the threat of this 'ank#
$.2 #ugg!stion and R!co++!ndation?
There are some s$ggestion and recommendation& which are 'eing deri*ed from
st$dy#
(s !r a"ailabilit& facts?
i# Since the li
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BIBLIO5R(%H