CHAPTER-1

INTRODUCTION
1.1

Meaning of banking
The word Bank is derived from Italian word Banco which

means a bench. In the past, the ancestor of modern banking system that
were merchants, goldsmith and money lenders used to perform the
monetary task sitting on the bench not in the market. So, Banco was
used to denote monetary transactions.
Generally the bank refers to those institutions which are established
under law for dealing with monetary transactions. It means those
institutions are treated as banks which accept the deposit of public and
grant loan to the needy person or businessmen or industrialists against
security deposits. A bank can generate revenue in a variety of different
ways including interest, transaction fees and financial advice. The main
method is via charging interest on capital it lends out to customers. The
bank profits from the difference between level of interest it pays for
deposits and other sources of fund and level of interest it charges in its
lending activities. Besides this, bank is engaged in different types of
activities such as exchange currency, joint venture, underwriting, bank
guarantee, discounting bills etc.
Different economists have given definitions of bank. Definitions
given by popular economists are given below:
According to Dr. H.L. Hart, A bank is one who, in the ordinary
course of his business, receives

money which he pays by honoring

cheque of persons from whom or whose account receives.

According to Kinsley, Bank is an establishment to individuals,

such advances of money as may be required and safely made and to
which individuals entrust money when not required by them for use.
According to US law, Any institution offering deposits subject to
withdrawal on demand and making loans of a commercial or business
nature is a bank.
Therefore, bank can be defined as a institution which deals with
monetary transactions for the mobilization of idle money or deposits in
productive sector which is essential for development of whole nation.
History of banking:
In the banking history of Nepal, Nepal Bank Ltd. is the first bank
of Nepal which was established in 1994 B.S where only metallic coins
were used as medium of exchange. After that, Nepal Rastra Bank was
established in 2012 B.S with the objective of issuing paper currency,
maintaining stability in exchange rate, mobilizing capital and developing
banking sector in country. Accordingly, Rastriya Banijya Bank,
Agriculture Development Bank and Nepal Industrial Development Bank
were established. After the restoration of multiparty democracy in Nepal,
government took liberal policy in the banking sector. As a result, a large
number of commercial banks established in Nepal with the joint venture
with foreign commercial banks. Nepal Arab Bank Ltd, Himalayan Bank,
Bank of Kathmandu are some examples of such banks. As per the
provision of liberal policy adopted in Nepal, bank can be established
easily. On the permission of central bank, such bank can established at
any time anywhere. At present there are 32 commercial banks in Nepal.

Table No. 1
Commercial banks in Nepal
Nepal Bank Limited
Rastriya Banijya Bank
Nabil Bank Limited
Nepal Investment Bank Ltd
Standard Chartered Bank
Himalayan Bank Ltd
Nepal SBI Bank Ltd
Nepal Bangladesh Bank Ltd
Everest Bank Ltd
Bank Of Kathmandu Ltd
NCC Bank Ltd
Lumbini Bank Ltd
NIC Bank Ltd
Machhapuchre Bank Ltd
Siddhartha Bank Ltd
Agriculture Bank Ltd
Global Bank Ltd
Citizen Bank International
Prime Commercial Bank Ltd
Bank Of Asia Nepal Ltd
Sunrise Bank Ltd
Grand Bank Nepal Limited
NMB Bank Ltd
Kist Bank Ltd
Janata Bank Nepal Ltd

Mega Bank Nepal Ltd

Commerz and Trust Bank Nepal Ltd
Civil Bank Ltd
Century Commercial Bank Limited
Sanima Bank Limited
Kumari Bank Ltd
Laxmi Bank Ltd

Basically basic functions of commercial banks are collecting various

types of deposit facility, exchange of money, lending of money,
remittance of money, letter of credit, guarantee, loans, foreign exchange
etc. Commercial banks are profit oriented financial institution having
certain rate of interest given to the depositors and also charged certain
interest rate to the loan burrowers.
1.2.1 Background of EBL
Everest Bank Limited (EBL), one of the leading bank of Nepal
commenced its operation in 1994.Its head office is situated in Lazimpat,
Kathmandu Nepal which regulates all its branches. The bank has 45
branches, 55 ATM counters and 21 Revenue collection counters across
the country. It has objective of extending professionalized and banking
services through the country. EBL has joint venture partner with Punjab
National Bank that is holding 20% equity in the bank and turned it around
to a highly profitable bank .Punjab National Bank (PNB) is third largest
bank in India which offers a wide variety of banking services.
This bank has been steadily growing in its size and operations. For
its excellence in banking service, the bank has been confirmed with
Bank of the year 2006, Nepal by the banker, a publication of financial
4

times, London. Similarly, the bank bestowed with the NICCI Excellence
award by Nepal India chamber of commerce for its spectacular
performance under finance sector.
EBL has been expanding range of services to the customers .It has
pioneered in extending various customer friendly products such as Home
loan, Education Loan, equity loan, Vehicle loan, Loan Against Share,
Loan Against Life Insurance Policy and Loan for professionals.EBL was
one of the first bank to introduce ABBS in Nepal.EBL is also providing
Remittance facility through which EBL customer can remit fund from
Nepal to CBS branches of PNB India.
Drawing its strength from its joint venture partner, EBL has been
steadily growing its size and operations. The bank is providing customer
friendly services through a network of 27 branches across the nation. The
main branch of EBL is situated in Baneshwor, Kathmandu. Furthermore,
the bank has branches in Teku, pulchowk, Balaju, Lazimpat, Pokhara,
Janakpur, Biratnagar amongst several other places/cities.
1.2.2 Objectives of EBL
EBL has the following objectives:
To evolve and position the bank as a progressive, cost effective
& customer friendly bank providing comprehensive financial
and other related services.
To be committed to excellence in servicing the public and also
excelling in corporate values.
To provide excellent professional services & improve its
position as a leader in the field of financial related services.

 To build & maintain a team of motivated and committed

workforce with high work ethics.
To use the latest technology aimed at customer satisfaction &
act as an effective catalyst for socio-economic developments in
the country.
1.2.3 Capital structure
Capital structure refers to the way a corporations finances its assets
through combination of equity, debt, or hybrid securities. A firms capital
structure is then composition or structure of its liabilities. EBLs capital
structure consists of following capital structure in the year 2068:Table no 3
Capital Structure of EBL
Particulars

Amount

% of total capital

Authorized capital

1250000000

37.53

Issued capital
Paid up Capital

1050000000
1030467300

31.53
30.94

Total

3330467300

Source: Annual Report 2010/2011

Figure no 1
Capital Structure of EBL

capital structure
Authorized capital
31%

Issued capital

38%

paid up capital

32%

The above figure shows that the authorized capital is highest than
others. It is 37.53% of total capital. Second is issued capital that is
31.53% of total capital. And third is paid of capital that is 30.94% of total
capital.
1.3

Introduction of deposit mix

A deposit refers to an amount of money in cash or checks form or

sent via wire transfer that is placed into bank account. It is main source of
resources to meet the growing demand of the financial assistance. Higher
the volume of deposits, higher will be the volume of investment which
gives higher profit. The existence of commercial banks basically depends
upon mobilization at deposit.
Types of deposit:1) Current Deposit:
7

In this account any amount can be deposited and withdrawn any

time. No interest is given by the bank to accountholder under this
account. So, this account is non interest bearing account.EBL offers
various flexible payment methods to allow customers to distribute money
directly to others. It also provide internet user login for this account in
case of single signatory. EBLs Current account offers the following
benefits to the accountholder:
Free monthly statement
Unlimited Withdrawal
Extended banking Hour
All branches of EBL are connected through ABBS which
enables to withdraw and deposit cash from any of the branches

2)

Saving deposit:This account can be opened with nominal amount. Limited amount

can be deposited and withdrawn from the bank in the specified time. This
account is held at an EBL bank maintained by a customer for the purpose
of accumulating funds over a period of time while earning an interest.
Interest rate is calculated on Daily Closing balance and payable on
quarterly basis.EBL provides nominal rate of interest.EBL Saving
Account provides following benefits:
Free Cheque books
Minimum Balance of NPR 500/- to open saving account in
any branches
Free Statement on demand.
8

 Unlimited withdrawal

3)

Fixed deposit:
This account is managed to accept the deposit for fixed period of

time providing higher rate of interest. The amount can be withdrawn from
bank only after the expiry of time. If account holder needs amount before
expiry of time, s/he can take loan against security deposit.
Benefits:
Attractive interest rate i.e. 10% or 2% above the deposit rate
on actual usage.
Loan/Overdraft facility against FD allowed up to 90% of
deposit amount.
1.4

Objective of the study

The main purpose of the study is to analyze, examine and interpret

the deposit mix of EBL with the help of financial and non financial
indicators .Some other major objectives are: To find the composition of deposit in EBL.
To find out share of fixed current and saving deposit out of the
total deposit.
To identify the total deposit trend of public.
To provide conceptual framework of different deposit.
To provide suggestion and guideline to improve problems
regarding deposit.
To know whether different kinds of deposit are in increasing or
decreasing trends.
10

1.5

Limitation of the study

This study mainly focuses on only the deposit of Everest Bank
Ltd. Therefore, overall position of EBL cannot be judged by
this report.
This study has covered only 4 financial years from 2065 to
2068 B.S.
Due to time and cost constraints, it cannot cover all the
dimension of the subject matter.
Validity of report fully depends on the information provided by
concerned authorities.
Some of the data uses are of secondary type, which is available
from bank and other sources of books.

Research Methodology
It is the heart of the project that provides the work plan and describes the
activities undertaken for the completion of project. This project uses both
financial and stastical tool for detail analyses on the project and it
includes:a) Research design
b) Data collection procedure
c) Data analysis tools

11

2.1

Research Design
Research design is a master plan specifying the methods and

procedures for collecting and analyzing the needed information. This

serves as a framework for the study, guiding the collection and analysis of
data, the research instruments to be utilized, and the sampling plan to be
followed.
Here, this study is concerned on deposit mix of Everest Bank
Limited. For the study, descriptive and analytical research methodology is
used. Those methodologies involve gathering data that describes events
and then organizes, tabulates, depicts and describes the data collection
that reduce the data to manageable form.
2.2

Data collection Procedure

No matter what the basic design of a research study, it is necessary

to collect accurate data to achieve useful results. For this reason, it is

helpful to consider various sources of collecting data and the quality of
information they produce. So, two sources of data collection techniques
have been used them are:2.2.1

Primary data:
Primary data is original data collected for the first time. I have used

primary sources i.e. interviews, questionnaires and observation to collect

the primary data on EBL.
2.2.2 Secondary data:
Secondary data refers to the data that has been already gathered by
others. I have used secondary sources too i.e. books, periodicals,
published reports, data services through which data were collected.
Besides them data were collected from Publication of NEPSE, financial
statements of EBL and annual reports which were collected from Everest
Banks website, NEPSE and from SEBO.
12

CHAPTER 3
Data Analysis and Presentation
Data analysis is the process of developing answers to questions
through the examination and interpretation of data. Its purpose is to
change the data from an unprocessed form to an understandable
presentation.
In this chapter, total deposit, deposit composition, saving to total
deposit ratio, current deposit to total deposit ratio, fixed deposit to total
deposit ratio and cash balance to total deposit ratio are presented to
evaluate deposit mix of EBL. This chapter first explains methods of
organizing data by tabulation and then placing that data in presentable
form by using figures and tables.
3.1

Total deposit trend

Total deposit refers to total amount of deposit of public collected

by bank under different accounts. It is essential to evaluate the overall

performance of bank.
Table No.4
Total deposits of Everest Bank
Fiscal year

Total deposit of Everest Bank

2065
2398
2066
3332
2067
3693
2068
4113
2069
5000
(Source: Annual report of Everest2065-2069)
Figure No 2

13

(Rs in Crores)
Change in %
38.95%
10.83%
11.37%
21.57%

Total deposits of Everest Bank

Total deposits
6000
5000
4000
Total deposits

3000
2000
1000
0
2065

2066

2067

2068

20669

In the above table, pie chart and trend, we see that the total deposits
are in increasing order. In 2065 there were only 2398 crores of deposits.
In 2066 the amount of total deposit is increased by 38.95%, which is Rs
3332 crores. Then, the deposit in 2067 was 3693 which shows that it was
increased by 10.83%. After that, the deposit in 2068 reached 4113 which
means an increase by 11.37%.Finally, in 2069 the deposit is 5000
i.e21.57%increase than previous year. It shows the consistent progress of
the bank.
3.2

Deposit Composition of Everest Bank

Deposit composition of EBL comprises of current, margin, saving,

fixed, call and other deposits. It has been presented in the following
table:-

14

Table no 8
Deposit composition of Everest Bank
(Rs in lakh)
Types of deposit

2065

2066

2067

2068

2069

Current

24923

48599

41733

47912

60982

Margin

2214

2920

3759

4100

4517

Saving

118839

147823

133600

130391

172693

Fixed

64462

70500

104403

150619

130075

Call

27807

62940

84128

75501

129522

Other

1518

447

1699

2756

2272

Total

239763

333229

369323

411279

500061

(Source: Annual report of Everest Bank 2065-2069)

Figure no 3
Deposit composition of Everest Bank
600000
500000
Other

400000

Call
Fixed

300000

Saving
200000

Margin
current

100000
0
2065

2066

2067

15

2068

2069

From the above table and graph we can see the position of different
deposits of EBL. We can clearly see that the saving deposit is in
increasing trend in 2065 and 2066 but it has been decreased in 2067 &
2068 and again increased in 2069.Current deposit and fixed deposit on
other hand is in increasing trend in every year from 2065 to 2069.The
other deposits that are margin, call and other deposits are also in
increasing trend every year.
3.3

Saving Deposit to Total Deposit Ratio

It is calculated to find out the proportion of saving deposit with

respect to total deposit. It can be calculated by the following formula:

(Saving deposit/Total deposit)

100

Table no. 9
Saving Deposit to Total Deposit Ratio
(Rs in lakh)
Fiscal year

Saving

Total deposit

% of saving %change

deposit
deposit
2065
118839
239763
49.57
2066
147823
333229
44.36
2067
133600
369323
36.17
2068
130391
411279
31.70
2069
172693
500061
34.53
(Source: Annual reports of Everest Bank 2065-2069)

16

in

saving deposit
24.39
-9.62
-2.4
8.93

Saving deposit
2065
25%

17%
21%

19%
19%

Figure no 4
Saving Deposit to Total Deposit Ratio

17

2066
2067
2068
2069

600000

500000

400000

saving deposit

300000

tatal deposit
200000

100000

0
2065

2066

2067

2068

2069

The above table, chart and graph show the composition of saving
deposits to total deposits. It shows the decreasing trend of saving deposit
in 2067, 2068 and increasing trend in 2066 &2069.In the year 2066 the
saving deposit was Rs 147823 which was 44.36% of total deposits and it
was increased by 24.39%in comparison to 2065. After that, it got
declined. In 2067 it was decreased by 9.62% which was 36.17% of total
deposit and in 2068 it was decreased by 2.4% which was 31.70% of total

18

deposit. But in 2069 it was increased by 8.93%and this deposit reached to

172693.
3.4

Current Deposit to Total Deposit Ratio

It is calculated to find out the proportion of current deposit with

respect to total deposits. It can be calculated by the following formula:(Current Deposit/Total Deposit)

100

Table no 10
Current Deposit to Total Deposit Ratio
(Rs in lakh)
Year
Current Deposit
Total Deposit
2065
24923
239763
2066
48599
333229
2067
41733
369323
2068
47912
411279
2069
60982
500061
(Source: Annual reports of Everest Bank 2065-2069)

19

percentage%
10.39
14.58
11.30
11.65
12.19%

current deposit
2065
27%

11%

2066
2067
22%

2068
2069

21%

19%

Figure No 5
Current Deposit to Total Deposit Ratio
600000
500000
400000
current deposit

300000

total deposit
200000
100000
0
2065

2066

2067

20

2068

2069

The above table, chart and graph show the change in current
deposit amount in respect to total deposit. In 2065, the percentage of
current deposit to total deposit was 10.39% which was increased to 14.58
in 2066 but it was decreased in 2067 & 2068 i.e.to 11.30% and 11.65%.
Again, it got increased in 2069 and reached to 60982 lakhs.Current
deposits have been steadily decreasing due to the diversion of current
accounts to the other accounts.
3.5

Fixed deposit to total deposit

It is calculated to find out the proportion of fixed deposit with

respect to total deposits. It can be calculated by the following formula:(Fixed Deposit/Total Deposit)*100
Table No 11
Fixed Deposit to Total Deposit Ratio
(Rs in lakhs)
Year
Fixed deposit
Total deposit
2065
64462
239763
2066
70500
333229
2067
104403
369323
2068
150619
411279
2069
130075
500061
(Source: Annual reports of Everest Bank 2065-2069)

21

Percentage
26.89
21.16
28.27
36.62
26.01

Figure No 6
Fixed Deposit to Total Deposit Ratio

Fixed deposit

25%

2065

12%

2066
2067

14%

2068
2069
20%

29%

600000
500000
400000
Fixed deposit

300000

Total deposit
200000
100000
0
2065

2066

2067

22

2068

2069

In the above table and chart we can see the percentage of fixed
deposit to the total deposit was 26.89% & 21.16% in 2065 and 2066
which increased to 28.27% & 36.62% in 2067 and 2068 respectively. But
it was decreased in 2069 which was 26.01%of total deposit .It shows the
increasing volume of fixed deposit during last fiscal years which is due
to the increase in interest rate.
3.6

Cash Balance to Total Deposit Ratio

Cash balance consists of cash on hand, foreign cash on hand,

cheques and other cash items which represents the greater ability to meet
the deposits. This ratio can be calculated by the following formula:
Cash Balance/Total Deposit * 100
Table no 12
Cash Balance to Total Deposit Ratio
(Rs. In lakh)
Year

Cash balance

Total deposit

Percentage %

2065

26679

239763

11.13

2066

61644

333229

18.50

2067

78188

369323

21.17

2068

61228

411279

14.89

2069

103633

500061

20.72

(Source: Annual reports of Everest Bank 2065-2069)

23

cash balance

2065

8%

2066

31%

19%

2067
2068
2069

18%

24%

Figure no 7
Cash Balance to Total Deposit Ratio

24

600000
500000
400000
cash balance

300000

Total deposit
200000
100000
0
2065

2066

2067

2068

2069

From the above table chart and graph, we can see cash and bank
balance on 2065,2066 and2067were increasing in trend which were
11.13%,18.50% and 21.17% of total deposit but in 2068 it got declined
and reached to 14.89% of total deposit. Again in 2069 it was increased
which was 20.72% of total deposit. From this analysis it can be
concluded that cash and bank position of Everest bank is in declining
state. For further increasement, EBL can invest in productive sectors like
short term marketable security, treasury bills etc to improve its situation.
Mathematical analysis
In this report various accounting, financial and statistical tools have
been used to analyze the collected data and interpret the results obtained.
The various tools used are:a)

Arithmetic mean

b)

Standard deviation
25

c)

Coefficient of variation
3.7

Arithmetic mean
This statistical tool is used in this study to find the arithmetic

average of the variable. Arithmetic mean is the figure we get when the
total of all the values in a distribution is divided by the number of values
in the distribution. It is used in this study to calculate the average value of
current, saving and fixed deposit and interpret it.

26

Mathematically,

X
N

Where,

=Mean

X = Sum total of all observations

N=Total number of observations
3.8

Standard deviation
Standard deviation is often powerful and helpful measure of

dispersion. It is positive square root of the average of the deviations of the

measurement from their means. It is denoted by

It is used in this

study to measure the size of deviations of current, fixed and saving

deposit from the average.

(X X )
Mathematically,

Where N = no. of observation

X X =Deviation from exact arithmetic mean

3.9

Coefficient of Variation
It is a relative measure of dispersion based on the standard

deviation. In order to compare the variability between two sets of data,

coefficient of variation can be used as a useful method. In this study, it is
used to find the variation of the current, fixed and saving deposits.

27


100
X

Mathematically, C.V=
Where,

=standard deviation
=Mean
Table no

Calculation of mean, S.D & C.V. of the saving deposit

Year

(x

2065
1188
2066
1478
2067
1336
2068
1303
2069
1726
Total
7031
Where X=saving deposits in crores

-218.2
71.8
-70.2
-103.2
319.8

X
N

7031
= 5

= 1406.2

(X X )
=

17061 .8
4
=
28

47611.24
5155.24
4928.04
1050.24
102272.04
170616.8

=206.53

C.V=

100
X

206 .53
1406 .2

=14.69%
Table no
Calculation of mean, S.D & C.V Of fixed deposit
Year

(x

2065
644
-395.8
2066
705
-334.8
2067
1044
4.2
2068
1506
466.2
2069
1300
260.2
Total
5199
Where X= fixed deposit in crores

=
=

156657.64
112091.04
17.64
217342.44
67704.04
553812.8

X
N

5199
5

= 1039.8

(X X )
=

29

/4

= 372.09

100
X

C.V=

372 .09
1059 .8

=35.11%
Table no
Calculation of mean, SD & C.V of current deposit
Year

(x

2065
2066
2067
2068
2069
Total

249
485
417
479
609
2239

-198.8
37.2
-30.8
31.2
161.2

39521.44
1383.84
948.64
973.44
25985.44
68812.8

Where X=current deposits in crores

=
=

X
N

2239
5

= 447.8

30

(X X )

=
=

/4

=131.16

100
X

C.V=

=
=29.29%
3.10 Major findings
The major findings of the study which covers a period of 5 years
(2065 to 2069) are as follows: The average deposit of saving, fixed and current account from
2065 to 2069 are 14062, 1039.8 and 447.8 respectively. It
shows in an average, deposit in saving account is higher than
in other accounts.
The standard deviation of saving, current and fixed accounts
from 2065 to 2069 are 206.53, 372.09 and 131.1 respectively.
It shows that there is higher deviation in the current account.
The coefficient of variation of saving, current and fixed
account from 2065 to 2069 is 14.69%, 35.11% and 29.29%. It
31

shows that there is greater variation in current account and

less variation in saving account.
Therefore, here is uniform and consistent deposit in the
saving account.

32

CHAPTER-4
SUMMARY, CONCLUSION AND RECOMMENDATION

4.1

Summary
Financial sector in Nepal comprises of commercial banks and other

financial institutions like development banks, finance companies,

cooperatives etc. Everest Bank LTD (EBL) established in 1994 is one of
the commercial bank which started its operation with an objective of
providing excellent professional services and improves its position as a
leader in the field of financial related services. This bank is a joint
venture partner with Punjab National Bank (PNB) of India. As the bank
has just completed sixteen years of operation, it has achieved so many
successes in the way of its operation.
Everest Bank

mainly collects the deposit under the account of

fixed, saving, current and others. They are the main source of raising
capital for bank. According to the latest data of 2069 of EBL, the total
deposit is 500061 lakh. Among the total deposit the current deposit is
60982 lakh i.e. 12.19% of total deposit whereas saving deposit is 172693
lakh i.e. 34.53% of total deposit. But fixed deposit is 130075 lakh i.e.
26.01% of total deposit. This shows that saving deposit occupies the
larger portion.
EBL is at consistent progress over the five years which can be
known by the increase in deposits every year. Due to its improvement, it
is gradually expanding its branches. In the same way, the bank has been
facing various challenges that has arised in the market and has been able
to give best performance in the market.
33

4.2

Conclusion
The trend analysis shows that the deposit of EBL is in
increasing trend. This shows that there is consistent progress
of the bank.
The share of saving deposits is more than of fixed, current,
margin, call and other deposits in EBL.
The saving deposit was increased in 2066 by 24.39% and it
gradually decreased in 2067 and 2068 by 9.62% and
2.4%.But in 2069, it was increased by 8.93%.So, saving
deposit is in increasing trend.
The current deposit was increased in 2066 by 94.99% but it
was decreased in 2067 by 14.13%. After that, it gradually
increased in 2068 and 2069by 14.81% and 27.28%
respectively. So, current deposit is in increasing trend.
The fixed deposit was increased in 2066, 2067 and 2068 by
9.37%, 48.08% and 44.27% respectively. But in 2069 it was
decreased by 13.64%.So, fixed deposit is in decreasing trend.
The cash balance was increased in 2066 and 2067 by 38.93%
and 10.83% respectively. But in 2069 it

was decreased by

21.69% and again in 2069 it was increased by 69.26%.So,

cash balance is in increasing trend.
By the analysis of deposit we can conclude that bank is able
to utilize its deposit a great extent.

34

4.3

Recommendation
With

reference

with

finding

and

analysis,

following

recommendation are suggested to overcome the weakness of the

organization. They are:
Bank should invest deposits in various sectors and provide
loan and advances to its customers so as to increase deposits,
as it is the major sources of fund.
The bank may increase its deposits by introducing a number
of attractive deposit mobilizing schemes.
The formalities should be simplified so that the client feels
easy in the process of cash deposit.
The situation of motivation should be created to the
depositors to encourage them for depositing under different
accounts.
The interest rate plays an important role in controlling the
fluctuation of deposits; therefore bank should be careful
while determining the interest rate.

The members of EBL should co ordinate and make good

understanding with the customers. That is the best way of
deposit collection.

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