1. Introduction Sudina ManandharDifference in Products Samjhana RajakAnalysis Narayan SapkotaInterest Rate on Deposit Suman KhatiwadaMarketing Activities Sundari TamangDevelopment of Deposit Srijana ThapaConclusion & Recommendation Pradita Koirala

2. The Nepalese people were highly exploited by Shahu Mahajan by charging higher interest rate that is compound interest rate and even by manipulating the principle amounts. There used to be the practice of borrowing and lending. Trade with India and China seeks the need of financial institution, that can safely transfer money from one party to another. In 1934, Nepal Bank Limited was established with an objective to provide banking facilities to the public. NBL has done the pioneering function spreading the banking habits among the people. Nepal Bank Limited came up with a concept of Secure money and grow money.

3. NABIL Bank, established in 1984 AD is the first private commercial bank opened in Nepal with paid up equity capital of Rs.30 million. Today there are 32 A class, 86 B class, 76 C class and 21 D class banks. Banks are attracting customers by launching new products, services and schemes. Today each business and non business transactions are done through banks. New products and customers that has attracted banks are: ATM service, ABBS system, Interest rates, Internet and mobile banking, Zero-balance account, Student account, Balbachat Khata, etc.

4. Establishment: Everest Bank was Establishment: Imperial Bank of Indiaestablished in October 1994. it entered into established in January 1921 became Statethe joint venture with Punjab National Bank Bank of India on April, 1955. it has 5of India in January 1997. associate banks.Profit: Net profit during 2010/2011 was NRP Profit: Net profit during 2010/2011 was US931.3 million. $36.95 billion.Target: As it is a commercial bank of Nepal, Target: SBI provides a wide range ofits main target group are customers of urban banking products through its vast networkarea. of branches in India and overseas, including products aimed at NRIs.Branches: It has domestic network of 46 Branches: SBI has 21500 branchesbranches, 22 collection counters and 58 including branches that belong to itsATMs. Account holder of EBL can transact associate banks including 157 overseasthrough more than 5600 branches and 6000 branches. SBI has about 26,000+ ATMs inATMs of Punjab National Bank, India. India and Overseas.

5. Products: Products:Branchless Banking (Ghar- Dailo Banking E-TicketingSewa) SBI E-TaxTouch 24 M-Banking Bill PaymentE-Banking E-PaymentSMS Banking Fund TransferE-Ticketing State Bank Virtual CardABBS ( first branch to introduce in Nepal) Eztrade@sbiMobile Vehicle Banking system Foreign Travel CardEBL Remittance SBI Express RemitEverest Debit Card Online ShoppingDeposit Schemes SBI Credit CardLoan Schemes

6. EVEREST BANK LIMITED (EBL)SIDDARTHA BANK LIMITED (SBL) LAXMI BANK LIMITED (LBL)

7. Amount in NPR (In Millions) Year EVEREST SIDDARTHA LAXMI BANK BANK BANK2008/2009 15,855 16,051 33,3232009/2010 20,197 18,083 36,9322010/2011 21,576 18,300 41,128

8. 45000 40000 35000NRS (in million) 30000 25000 Everest Bank 20000 Siddartha Bank 15000 Laxmi Bank 10000 5000 0 2008/2009 2009/2010 2010/2011 Fiscal year

9. Amount in NPR ( In Millions)Year EVEREST BANK SIDDARTHA LAXMI BANK BANK 2008/2009 4,860 296 1,044 2009/2010 4,173 354 820 2010/2011 4,791 512 750

10. 6000 5000Nrs. (in million) 4000 3000 Everest Bank 2000 Siddartha Bank Laxmi Bank 1000 0 2008/2009 2009/2010 2010/2011 Fiscal Year

11. Amount in NPR ( In Millions) Year EVEREST SIDDARTHA LAXMI BANK BANK BANK2008/2009 292 114 2092009/2010 376 121 1482010/2011 410 156 192

12. 450 400 350Nrs. (In million) 300 250 Everest Bank 200 Siddartha Bank 150 Laxmi Bank 100 50 0 2008/2009 2009/2010 2010/2011 Fiscal Year

13. Amount in NPR ( In Millions) Year EVEREST BANK SIDDARTHA BANK LAXMI BANK2008/2009 14,782 3,446 3,4632009/2010 13,360 2,961 3,6852010/2011 13,039 3,170 3,216

14. 16000 14000 12000Nrs. (in million) 10000 8000 Everest Bank 6000 Siddartha Bank 4000 Laxmi Bank 2000 0 2008/2009 2009/2010 2010/2011 Fiscal Year

15. Amount in NPR ( In Millions) Year EVEREST BANK SIDDARTHA LAXMI BANK BANK2008/2009 7,050 7,158 7,1842009/2010 10,440 10,196 7,8212010/2011 15,062 11,458 9,453

16. 16000 14000 12000Nrs. (in million) 10000 8000 Everest Bank 6000 Siddartha Bank Laxmi Bank 4000 2000 0 2008/2009 2009/2010 2010/2011 Fiscal Year

17. Amount in NPR (in million) Year EVEREST BANK SIDDARTHA LAXMI BANK BANK2008/2009 6,294 4,841 4,0052009/2010 8,413 6,565 5,4552010/2011 7,550 6,280 4,674

18. 9000 8000 7000Nrs (in million) 6000 5000 Everest Bank 4000 Siddartha Bank 3000 Laxmi Bank 2000 1000 0 2008/2009 2009/2010 2010/2011 Fiscal Year

19. Bank Name Product DescriptionEverest Bank Saving Interest rate varies from 3.25% to 5% on daily basis Limited Deposit depending upon the type of saving account. And interest rate for Foreign Currency Deposit varies from 0.75% to 1.50%. Minimum balance of NPR 500 to open account. Fixed Interest rate varies from 5.75% to 7.50% depending upon Deposit the maturity time. Saving Interest rate varies from 5% to 7% on daily basis on different Siddartha Deposit saving account.Bank Limited Fixed Interest rate varies from 4.5% to 7.50% depending on the Deposit basis of maturity of time. Saving Interest rate varies from 3% to 7.5% on daily basis on Deposit different saving accounts.Laxmi Bank Limited Fixed Interest rate varies from 6.5% to 11.5% on the basis of Deposit maturity date.

20. PRODUCTS MEDIASaugat Bachat Khata Radio, Television and internet and NewspapersFreedom Saving Through campaignsAccountGhar- Dailo Banking Direct marketingSewaEBL Remittance Through hoarding boards ,radio and newspapers.E-Banking Through radio and broachersSMS Banking Direct SMSMobile Vehicle Banking Through newspapers and campaign.systemE-Ticketing (yeti Through newspapers and yeti AirlinesAirlines)Touch 24 M-Banking Through internet and its website.

21. PRODUCTS MEDIASajilo Banking Sewa National Newspapers and radioSiddartha SMS Alert System Through Direct SMSSiddartha Sajilo Branchless Through direct marketingBankingSiddartha Remit Through television and newspapers.Club Siddartha Card Through newspapers.E-banking Through internet, radio and newspaper.Siddartha Nari Bachat Through newspaper and radio.iConnect Through internet.Sarvottam Bachat Through newspaper and magazines.

22. PRODUCTS MEDIASMS Banking Alert! Brouchers and Hoarding BoardMilijuli Bachat Through newspapers and radioGreen Saving Through newspaper and newspaper.Club QFX Through internet and televisionBhat-Bhateni Club Card Newspapers and radiaand hoarding-boardMobile Money Through direct SMSE-Banking Through newspapers.Dhanalaxmi Savings Television, radio, hoarding board and newspapers

23. Total deposit of EBL ,SBL & LBL is in increasing trend over 3 years because of new marketing activities and innovative products and services. Current deposit over this 3 year is in unstable trend. It might of because of political, economic situation and due to NRB regulation. Among them EBL covers the tremendously higher in comparison to other. Current deposit should be promoted by introducing innovative schemes by all banks. Margin deposit covers the lowest portion of the total deposit of 3 banks. They are in fluctuating trend because of competition among banks . Saving deposit is in fluctuating trend where EBL has the highest deposit followed by SBL & LBL because of change in interest rate . To increase or attract new customers minimum balance to open account needs to be reduced.

24. All 3 banks shows an increasing trend and covers the highest portion of the total deposit because of higher interest rate facilities such as insurance policies credit facilitation can be implemented to increase the portion of fixed deposit. EBL covers the highest portion of call deposit followed by SBL and LBL. It is in fluctuating trend because of liquidity position among these banks. Bank needs to launch new technology and marketing activities to attract more customers. As these banks prioritized urban areas more focused should be given to attract rural areas customers by launching new branches. Banks should encourage public to deposit money in bank by organizing social and informational events which will benefit our country.