ANALYSIS OF FINANCIAL STATEMENTS OF NABIL BANK

LIMITED

A Project Work Report BY

Bhumika BK
Class: XI (11), Management
GORKHA SECONDARY SCHOOL TULSIPUR-6,DANG
Submitted to:
Faculty of Management
Gorkha Secondary School

( In partial fulfillment of the requirement of class 11 Management.)

March,27
 DECLARATION :

I hereby declare that the project work submitted to the Faculty of Management , Tulsipur -6
,Dang is an original piece of work under the supervision and guidance of Mr. Dambar Dangi
, subject teacher ,HOD, Management ,Gorkha Secondary School , Tulsipur Dang . This
Project work is submitted to Mr. Dambar Dangi ,subject Teacher ,Accountancy , Faculty of
Management , Gorkha Secondary School,Tulsipur-6 ,Dang and it is submitted in partial
fulfillment of the requirements for the Education of Accountancy .

SIGNATURE :
BHUMIKA BK
GORKHA SECONDARY SCHOOL
27 MARCH 2023
 CERTIFICATE OF APPROVAL
This is certify that BHUMIKA B.K of class 11 of Gorkha Secondary School has completed her
Accounting Project (ANALYSIS OF FINANCIAL STATEMENTS OF NABIL BANK LIMITED ) and
shown almost sincerity in completion of that project .It is further certified that is project
work is the individual work of the student . I certify that this project is up to my expectation
development .and as per the guidelines issued by the curriculum development .

MR. Dambar Dangi EXTERNAL

Head of the Department
Vijay G.M
Principal
 SUPERVISOR’S RECOMMENDATION
This project work report Analysis of Financial Statements of Nabil Bank Limited submitted
by BHUMIKA B.K. of Gorkha Secondary School, Tulsipur-6 , Dang is prepared under my
supervision as per the procedure and format requirements laid by the faculty of
Management of Gorkha Secondary School as partial fulfillment of the requirements for the
practical in Accountancy I ,therefore , recommend the project work report for evaluation.

Signature
Dambar Dangi External
Head of the Department
 ACKNOWLEDGEMENT :
Through this acknowledgement I express my sincere gratitude towards all those people
who helped me in this project, which has been a learning experience . This space wouldn’t
be enough to extend my warm gratitude towards my project guider MR. Dambar ~ 5
~Dangi for efforts in coordinating with my work and guiding in right direction. I escalate a
heartfelt regards to our principal Mr. Vijay G.M for giving me the essential hand in
concluding this work. It would be in justice to proceed without acknowledging those ital.
supports I received from my beloved classmates and friends , without whom I would have
been half done .I also use this space to offer my sincere love to my parents and all others
who had been there , helping me walking through this work .

NAME: BHUMIKA B.K.

March 27, 2023
 TABLE OF CONTEXT
Topic Page No.

Title Page .........................................................................................................................................................i

Declaration......................................................................................................................................................ii

Certificate .......................................................................................................................................................iii

Supervisor’s Recommendation..............................................................................................................iv

Acknowledgement........................................................................................................................................v

Table of Contents .........................................................................................................................................vi

CHAPTER 1: INTRODUCTION:
1.1 Background of the study.....................................................................................................................1

1.2 Meaning of the Bank.............................................................................................................................2

1.3 Development of the Bank ..................................................................................................................2

1.4 Purpose of the study.............................................................................................................................3

1.5 Significance of the Study.....................................................................................................................3

1.6 Limitation of the Study........................................................................................................................4

1.7 Objectives of the Study........................................................................................................................4

CHAPTER 2: DATA PRESENTATION AND ANALYSIS:

• 2.1 History and Introduction of Nabil Bank Limited..........................................................5-6

• 2.2 Vision and Mission of Nabil Bank Limited....................................................................6-7

• 2.3 Branch of Nabil Bank Limited................................. ………………………..………………………7-9

• 2.4 Problem and Challenges, Strategy & Cooperate Governance....................................9-11

• 2.5 Statement of Profit and Loss and other comprehensive

income...................................................................................................................................12

• 2.6 Statement of Financial Position.....................................................................................13

• 2.7. Statement of Cash Flows..............................................................................................14

• 2.8. Net Profit of Nabil Bank (Rs,”billion”)-Last 5 years.......................................................14

 Shareholder’s Informations………………………………………….………………………………………….15-16
 Presentation of Data ……………………………………………………………………………………………..16-22

Chapter 3: RESEARCH AND METHODOLOGY :

 3.1 Research Design :…………………………………………………………………………….………...23
 3.2 Methods of Analysis……………………………………………………………………………………23
 3.3Sources of Data……………………………………………………………………………………….…..24
 3.4 Tools used in Data Analysis………………………………………………………………………...24

CHAPTER 4 : SUMMARY AND CONCLUSION :

 Summary……………………………………………………………………………………..………………………….….25
 Conclusion……………………………………………………………………………..…………………………………..26
 Bibliography……………………………………………………………………….….……………………………………27
 Group Photo……………………………………………………………………………..………………………………..28
Chapter 1
Introduction
1.1 BACKGROUND OF THE STUDY :
In Nepal banking sector is flourishing in past few decades. Banking sector plays an
important role in the growth of the economy. Commercial banks are those financial
intermediaries that transfer the fund from surplus unit to deficit unit. Commercial banks
are major supplier of fund. Bank act as a interface between borrower and supplier. It
accepts deposit from public and supply loan to public. It gathers the scattered fund from
the economy and mobilizes in productive sector. In the course of transaction heavy amount
is invested in loan by commercial bank. Interest income is the major source of revenue for
commercial. Sixty to seventy percent of operating income occupies interest income. In this
regard default loan is major threat to commercial bank.

Financial institution play an important role in the proper functioning of an economy . These
institutions act as an intermediary between the individuals who lend and those who borrow
. These institution accepts deposits and provide loans and advances to those who are in
need .They make the flow of investment easier . It pools the funds scattered in the
economy and mobilizes them to the productive sectors and causing an overall economic
development . All the economic activities are directly or indirectly channeled through these
banks . People keep their surplus money as deposits in the banks and hence banks provide
such funds to finance the industrial activities in the form of loans and advances .

Commercial bank has flourished the investment in Nepalese economy. Commercial bank
collects deposits from the public and the largest portion of deposited funds is utilized by
disbursing loan and advances. Being a profit oriented financial service providing institution,
certain percent interest rate is given to the depositor and the bank charges certain percent
interest in the loan facility. Heavy amount of investment is done by commercial bank. They
formulates sound investment policies which support for the growth of the economy. It is
vital role of bank to manage the loan so that they can invest properly. The study is
conducted to examine the non-performing loan of commercial bank with reference to Nabil

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1.2 Meaning of Bank :

A bank is a financial institution which deals with deposits and advances

and other related services. It receives money from those who want to save in the form of
deposits and it lends money to those who need it. A bank is a financial institution and a
financial intermediary that accepts deposits and channels those deposits into lending
activities, either directly by loaning or indirectly through capital markets. A bank is the
connection between customers that have capital deficits and customers with capital
surpluses. Because banks play an important role in financial stability and the economy of a
country, most jurisdictions exercise a high degree of regulation over banks. Most countries
have institutionalized a system known as fractional-reserve banking , under which banks
hold liquid assets equal to only a portion of their current liabilities.

1.3 Development of Banking in Nepal :

The history of banking in Nepal dates back to the year 1937 AD with the establishment
of Nepal Bank Limited as the first commercial bank in Nepal. It was established as a semi-
government bank with METALLIC COINS worth NRs 10 million as the authorized capital. It
was in the year 1945 that the earliest banknotes were issued by the treasury “Sadar Muluki
Khana”. These notes were signed by a “Khajanchi”, the head of the treasury who also was a
high Hindu Priest.
Later in the year 1955, the Nepal Rastra Bank Act was formulated for a better banking
system was established in 1956 as the Central Bank of Nepal accordingly. After this date,
the banknotes were issued by the Central Bank with the signatures of the governors of the
institution. Till the 1980s, the banking sector was wholly owned by the government,
with Agriculture Development Bank, Rastriya Banijya Bank, NBL, and NRB being the pillars
of a financial institution in Nepal.
1984 saw the start of the private banking industry with the establishment of Nabil Bank and
the introduction of foreign banks such as the Nepal Arab Bank, Nepal Indosuez
Bank, and Nepal Grind lays. The banking sector in Nepal has faced many hurdles and
hindrances. It has undergone various political conflicts and instability. As per the list issued

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by NRB as of Mid-June 2018, the modern banking sector includes 28 Commercial Banks, 33
Development Banks, 25 Finance Companies, and 63 Micro Credit Development Banks .
1.4.Purpose of the study :
The major purpose of the study is to examine the non-performing loan of Nabil Bank
limited. The specific objectives of the study are:

 To analyze the trend of Non-performing loan of Nabil Bank Limited

 To investigate the impact of non-performing loan on financial profitability of Nabil Bank

Limited .

 To extend international standard modern banking services to various sectors of the

society.
 To analyze the profit and ability position of Nabil Bank Limited .
 To access and compare the liquidity position of Nabil Bank Limited .

1.5 Significance of the study :

Banking is an integral part of the whole financial system. It affects the couuntry’ s economy
by providing investment, credit, and infrastructure. The banking industry is the backbone of
global economies. The banking sector plays a significant role in the economic growth and
development of any country.

Commercial bank have huge amount of money invested in loan. Loan compromises heavy
chunk in the assets side of bank’s balance sheet. The source of revenue is generated from
loan’s interest. In this regard non-performing loan bring prominent threat to bank. Non-
productive loan increases the non-performing loan. There can be high probability of loan
loss provision. The possible threat from non-performing is credit risk, liquidity risk,
operation risk, and overall effect on financial performance. With this regard, this research is
conducted to examine the present issue of nonperforming loan in selected bank. This study
will be beneficial to the shareholder, depositor, borrower, and other’s creditor to identify
the productivity of their bank in Everest bank and Nabil bank limited.

This comparative study will also be helpful to the management of bank to analyze the non-
performing assets management and policies of the bank in comparison of these two banks.
This study can be helpful in foundation of improved policies.

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1.6 LIMITATION OF THE STUDY:
The limitations of the study are as following are:

 This study considers only one bank out of long number of banks .
 The study realize on secondary data collected from the annual reports of the balance
sheet .
 Only one year of data are analyzed .
 No comparison has been made with other commercial Banks .
 The study covers 5 years data ,beginning from 2068/69 to 2072/73 .
 It has taken into account only certain factor,s affecting the investment decision .

1.7 Objectives of the study:

 To analyze the financial strength and weakness of Nabil Bank Limited .
 To analyze the trend of Net profit or Net loss of Nabil Bank Limited .
 To find out the Financial position of the Bank .
 To know above overall financial strength of Bank .

The indirect objectives can be described below :

 Collaboration
 Problem Solving
 Creativity
 In-Depth Understanding
 Self-Confidence
 Project Management

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CHAPTER 2
DATA PRESENTATION AND ANALYSIS

2.1 History and Introduction of Nabil Bank Limited :

Nabil Bank Limited ( निबल बक िलिमटे ड) previously known as Nepal Arab Bank Limited) is
the first private commercial bank in Nepal. Founded in 1984, the bank has branches across
the nation and its head office in Durbar Marg, Kathmandu .
It began as the first bank in Nepal incepted by multinational (primarily foreign) investors (as
Nepal Arab Bank Ltd) on 12 July 1984. The bank was incorporated with the objective of
providing modern, international-standard financial services to businesses. The arrival of
Nabil Bank in Nepal is on the 12th July 1984 through a joint venture with Dubai Bank Ltd.
Under a Technical Service Agreement (TSA), marks a new dawn in the Nepalese banking
industry. What is more admirable is with the opening of then Nepal Arab Bank Ltd,
Customer Service or marketing took a U-turn. That is substance accelerated the evolution in
banking products and services thereafter in Nepal. Nabil was incorporated with the
objective of extending international standard modern banking services to various sectors of
the society. Currently, Nabil bank is providing a full range of commercial banking services
through its 47 points of representation across the nation and over 170 reputed
correspondent banks across the globe. Nabil has proved that it has through its past
progressions and through different phases in the banking industry achieved two things it
can take pride in: first it has a large clientele base and supportive stakeholders; secondly, it
has succeeded in positioning itself robustly in the market for which the credit goes to Nabil
Team. Today the bank was able to established itself as one of the prime banks of Nepal. It is
one of the largest banks in terms of the network and number of branches among the
commercial banks with a wide network of ATMs and offerings including a range of
diversified service products. In this span of banking operation, the bank has already
distributed rich cash dividends, spectacular returns on asset and equity even during the
most trying times. All of which endorses the strength and drive with which Nabil proceeds.
The bank has diversified its realms of business in the interests of customers and also being
inspired by the noble cause of adding value to economic development. The bank has
packaged its service products into well diversified range consisting of corporate banking,
trade finance, along with customer and retail banking services specially, card products,
microfinance and the like to reach out to the masses.

5
NABIL Bank Limited was established in 1984 as a joint venture bank with Dubai Bank Ltd of
Dubai. NABIL bank is the first joint venture bank to commence operations in Nepal. This
bank is the leader in bringing the very best international standard of banking practices,
products & services. Nabil launched its operation with a marketing concept, i.e, customers
are living gods/goddesses – please them and get immediate blessings/results. Nabil started
knocking the doors of customers breaking the then trend of knocking the door of a bank by
customers. In the banking sector, Nabil set the trend of following the definition of customer
given by Mahatma Gandhi: 4 “A customer is the most important visitor on our premises. He
does not depend on us. We are dependent on him. He is not an interruption on our
business. He is purpose of it. He is not an outsider on our business. He is part of it. We are
not doing him a favour by serving him. He is doing us a favour by giving us an opportunity to
do so.” NABIL Bank has been operating well from its very establishment. It has been helping
business communities & the government in different ways. Bank is highly successful to
create banking habits among the Nepalese people. This bank has become the bank of the
year 2004. Nabil Bank was able to achieved D & B Rating of 5A2 Achieved, which indicates
that the subject has a tangible net worth over NPR 96,70,00,000.00 as per the latest
audited financial statements. Credit Appraisal 2 indicates that the overall status of the
subject is good. This rating is assigned to businesses that are financially sound and with
competitive trading record. Associated risk is low & considered better than average. D&B
rating is assigned on the basis of tangible net worth and composite appraisal. The bank has
a network of 43 points of representation spread across the kingdom that has complimented
by a network of ATM's & now Nabil Net & Nabil Tele the ease of access of accounts &
information for customer has been more convenient. The bank's business philosophy is
“Your bank at Your Service”.

Nabil Bank Limited was established under Nepal Bank Act 1984 which was the first private
commercial bank in Nepal 1984. It provides full-fledged of commercial banking services
through its 47 points of representation. Nabil has presence through more than 1500 Nabil
Remit agents across the nation. The Bank has branches across the nation and its head office
in Durbar Morga Kathmandu. The CEO of Nabil Bank was incorporated with the objectives
of extending international standard modern Banking services to various sectors of the
society.

2.2 Vision and Mission of Nabil Bank Limited :

Some visions and mission of Nabil Bank Limited are given below :
MISSION:
 To be the Bank of 1st choice to all the stakeholders

6
 To be the first choice in meeting all the financial requirements for the customer
 To be the investment of choice for the shareholders.
 Practice total quality management and embrace good governance and be the example of
model bank for the regulators.

VISION :
 full service bank providing an entire range of products / starting with deposit, Visa &
Master Card,
 Customer satisfaction is the 1st priority of bank
 Employees are treated with respect, good faith & provided equal opportunities.
 The bank is transparent in their dealings & conduct.

2.3 Branch of Nabil Bank Limited:

Nabil Bank was founded in 12 July,1984 . According to 2023 there are 248 Branches of nabil
Bank .Some Branches of Nabil Bank are pionted below :

7
8
2.4 Problem and Challenges, Strategy & Cooperate Governance.

Internal problems and challenges

• Health Safety of forefront employees and logistics management.

• Efficient work from home and effective communication for employees due to

pandemic COVID 19.

• Increasing cost of operations against Income.

• Sourcing and retention of quality work force in the increased competitive market

External problems and challenges

• Pandemic COVID 19 has caused substantial decline in economic activities

worldwide including in

• Nepal also affecting quality of assets.

• Expected Remittance decrease

• Highly volatile liquidity conditions.

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• High volatility in FX Market.

• Lack of conducive business environment for investment.

• Competitive environment with limited opportunities

Strategy
1. Keeping employees safe and informed by fostering Work From Home Culture
with security measures
2. Keeping the digital channel open and Long Term Digital Adoption
3. Deliver Digital Banking education
4. Create COVID Sensitive products and services (including mandated by
Regulatory Authorities)
5. Alternative sources of Fund
6. Customer survey for early feedback
7. Implement Cost Management/Reduction Strategy to closely monitor cost line and
productivity.
8. Synergistic benefit out of merger
9. Continue to focus on Safe Growth through prudent risk management and
compliance practices.
10.Continue focus on SME, retail lending, Energy and Agricultural sector, Micro
deposit opportunities and enhance Microfinance activities.
11.Focus on continuous process re-engineering so as to increase Operational
Efficiency.
12.Focus on introducing various human resource development plans.
Corporate Governance:
• The Bank maintains high standard of Corporate Governance by maintaining strict
compliance with laws, rules and regulations. Risk management, compliance,
control and audit functions are accorded due priority in the Bank.
• Audit Committee, Risk Management Committees, Human Resource Committee,

Asset and Liability Committee (ALCO), Executive Committee and other sub-
committees ensure high level of standard on corporate governance. The first three

committees are chaired by the non-executive Directors of the Bank.

• There are number of policies and procedures in place, including the Code of

10
Conduct and Ethics to ensure highest level of compliance standard within the
Bank.
• The Bank has a Corporate Governance Unit under Compliance Department to
oversee matters related to corporate governance of the Bank at all levels

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2.5STATEMENT OF PROFIT OR LOSS AND OTHER COMPREHENSIVE
INCOME :

12
2.6STATEMENT OF FINANCIAL POSITION :

13
2.7 Statement of Cash Flows :

2.8 Statement of Change in equity :

14
2.9 Shareholder’s Information :

15
16
2.10Presentation of Data
The main aim of this chapter is presentation and analyzing data according to research

methodology to attain the objective of this study. This chapter is basically concerned with

presentation and analysis of data and the effort had been made to analyze the liquidity

and profitability of five years of the NABIL Bank Ltd. The study has used various

financial tools to measure the liquidity position of commercial banks.

1. Liquidity ratio:

The liquidity ratios are calculated from total deposits, total liquid fund cash in hand total

assets, cash and bank balance and current liabilities of the NABIL as well as using the

formula as given in the methodology. The liquidity of business firm is measured by its

ability to satisfy its short-term obligation as they come due. Liquidity refers to
the solvency of firm’s cover all liquidity position of NABIL Bank Ltd. with the help of

financial data of five years of the bank is as follows”

2.Current Ratio:

The current ratio, one of the most commonly cited liquidity ratios, measures the firm’s

ability to meet its short-term obligations. . It tells investors and analysts how a company

can maximize the current assets on its balance sheet to satisfy its current debt and other

payables. The formula for current ratio is:

Current Ratio =

17
18
 Figure 2.1 Current Ratio

The above table and figure shows that the current ratio of the bank has the highest &
better current ratio of 7.36 in 2020/21 and the lowest & worse current ratio of 2.13 in
2018/19 and average ratio is 4.35. In general, it can be said that the bank is able to shore-
team obligations .

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Chapter 3
(RESEARCH AND METHODOLOGY)
3.1 Research and Designs :

Research ethodology refers to the different Techniques and tools under to make the study
significant and efficient . There are varieties of techniques and tools available to accomblish
the study . The financial analysis is useful to reflect the liquidity position of the concerned
bank .

Research design is on descriptive research design with using secondary data which which
are available through the annual report published by the Nabil Bank Limited . In order to
get the desires result efficently ,the interviews and questionaries are most necessary which
we get from primary data’s and another process like calculating ,tabulating, and
interpreting are also the part of study .

3.2 METHODS OF ANALYSIS :

Various Financial analysis tools are used in this study .The analysis of data will be done
according to the pattern of data available in the primary and secondary data collection .The
various calculated result are tabulated chronological order in different headings , which are
later on compared with each other to interpret the result .

3.3 Source of Data:

The source of data means the place or materials from which the required data have been
found. There are mainly secondary data’s are available for study for student i.e. the main
source of data is Balance Sheet of the concerned bank. Beside this the sources from
where data can be found out one as follows :

i) Secondary Data :
The source of secondary data is those, which has been collected by other people. Here the

20
secondary data include AGM’S report of NABIL Bank Ltd. Covering fiscal year 2013/14
to 2017/18.journal publish by various institutions.

ii)Internal Source:

1. Annual reports of NABIL

2. Interim performance report
iii)External Source:

1. Book publications
2. Journals
3. Articles from newspapers

3.4Tools Used for Data Analysis :

The collected and observed data is tabulated after adjusting necessarily amounts of each
overhead. However, for the analysis of the data, following financial tools were used.
i)Financial tools:

Under financial tools, the study has used two different types of ratios in order to know
about liquidity situation and profitability situation of the institution. The two ratios and
further sub-divided into multiple branches. They are as presented below :

1.Liquidity Ratio:
Current Ratio
Cash and Bank balance to current assets Ratio
Cash and bank balance to total deposits Ratio

2. Profitability Ratio:

Earning Per Share (EPS)

Return on Assets (ROA)

Return on Equity (ROE)

Net profit to loan and advance ratio

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3.Statistical Tools:

Mean

Standard Deviation

Coefficient of variation

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CHAPTER 4

SUMMARY AND CONCLUSION

3.1 Summary :
The economic development of a country cannot be imagined without the development of
commerce and industry. The role of commercial banks in the economic growth of nation
can be estimated to be prominent. The very challenging job of commercial banks is to
collect the scattered idle resources from the small savers. Actually, commercial banks
pool the fund in the sizable volume in order to feed the fund requirement of productive
sector promote trade and industrialization in the country there by raising the employment
opportunity and earned to the labors and materials suppliers to such industries and
traders.
Commercials banks of course contribute a lot to the development of the economy of the
country. Thus, to remain in the front line of the great contributor of the economy, the
banks have sustainable existence and growth themselves. For the sustainable existence
and growth of a bank, it must have reasonable profitability.
Under this study, I have tried to cover the various aspects of Nabil Bank covering the
period of two years from 2076/77 to 2077/78. In the first introduction chapter, the study
report has tried to give history & introduction of banking and its relation to the economy,
brief profile of the concerned banks, general concepts of financial statement and the
statement of problem, objectives of the study and its limitation. During the research work,
extensive review of various literature books, past thesis, journals have been studied and
consulted. In addition, as per requirement, internet materials from relevant websites are
searched.
For this study, I have gathered the required data from annual reports published by the
concerned joint venture bank for the last two years. In addition, internet website of Nepal
Stock Exchange is used for necessary data. The study is totally based on the secondary
sources of data and required have been collected by using various published sources.
Data relating to activities of the banks have been collected and presented in figures and
tabular form as far as possible are tried to e interpreted in the study report in logical ways.
Data are then analyzed applying various financial and statistical tools and findings of the
study have been listed in a systematic manner.

23
3.2 Conclusion :
Banking industry is one of the booming and most profitable sectors of the economy.
There has been massive growth and demand of banking products and services. Thus, the
result is increase in number of banks with their specialized products like consumer loans,
investment banking and foreign trading and so on. Nabil Bank is “A” grade bank that has
been recently upgraded. It is governed by the experienced bankers and professionals. It
main focuses in providing consumer satisfaction by offering various products and
services including saving, fixed, call deposits, consumer and business loans, investment
banking, etc.
With some commercial banks and development banks operating in Nepal, the market
seems over crowed and the banks are now finding a tough competition among
themselves. Since the entry barriers are not so high due to the government’s liberal
policy, this competition is expected to be more intense in the near future, as there is
always the possibility of a new player entering this sector. NABIL Bank has not
maintained a balanced ratio among its deposit liabilities. Consequently, the bank does not
seem to be able to utilize its high cost resources in high yielding investment portfolio.
The investment portfolio of the bank has not been managed so efficiently as to maximize
the returns there from. The operational efficiency of the bank is found unsatisfactory
because of the series of operational loss over the period. Lower market value is a
reflection of a weaker profitability ratio of the bank.
Nabil Bank comprises highly motivated staffs who are customer centered. Under the
guidance of the supervisor and staff members I was able to experience various activities.
I was able to know about the basic functioning of bank like opening and closing of bank
account, issuing of cheques and statements, and clearing of cheques. This has enhanced
the practical knowledge and developed interpersonal skills, professional qualities,
communication skills, team work and knows the ways to deal with the bank staffs.

24
3.3 Bibliography :
https://nabilinvest.com.np/wp-content/uploads/2022/07/financials-fy-2073-74.pdf

https://www.nepalipaisa.com/Modules/DocumentDownload/uploads/Nabil_bank_Annual_Report_201
9_20_watermark_6_4_2021_8_20_49_AM.pdf

https://merolagani.com/CompanyReports.aspx?type=ANNUAL

https://elibrary.tucl.edu.np/bitstream/123456789/3383/1/Financial%20Performance%20of%20Nab
il%2C%20NIB%20%26%20NIC.pdf

https://www.nabilbank.com/

https://nepalbank.com.np/investor-relations/agm-reports/annual-reports

25
Some Group photos:

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