...Introduction: We have chosen two commercial banks on the basis of highest market capitalization and those banks are Nabil Bank and Nepal Investment Bank limited to do the comparative analysis under the CAMELS approach. Modern commercial banking industry in Nepal begins from 1937, when Nepal Bank limited was incorporated. The banking sector has been undergoing a complex, but comprehensive phase of restructuring since 1991, with a view to make it sound, efficient, and at the same time forgoing is links firmly with the real sector for promotion of savings, investments and growth. Although, banking sector performance is not expected till the completion of reforms. But we can see some sign of improvement and can be visible in some indicators under the CAMELS framework. Financial institutions specially “A” class commercial banks play very significant role in the national economic and social development. Joint venture banks are the key player among the ‘A’ class commercial banks so they have also very important role to play for the national economic and social development. Under this approach bank should enhance capital adequacy, strengthen asset quality, and improve management, increase earnings and reduced sensitivity to various financial risks. CAMELS analysis is recently developed performance evaluation techniques. With the help of CAMELS analysis of respected commercial banks, we can figure out the existing situation of the joint venture banks and their contribution for the nation...
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...to gain work experience and develop relations with potential employers. The program stimulated creative and critical thinking and helped in developing interpersonal communication skills. It has proved handful in attaining the personal, academic and professional goals that formed the basis of expectations from this program. The students should also submit report based on the work performed during those eight week’s activities performed in the bank for the fulfillment of the degree. This report has been prepared on the basis of my 8 weeks internship at NABIL Bank ltd (NABIL), Pulchowk. This report contains the basic introduction of NABIL along with its procedures of lending loans and services it has adopted to survive, to compete in the market. 1.1 OBJECTIVES OF THE STUDY: The report emphasizes on defining the activities conducted by the bank. Its main...
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...1. Introduction Introduction: A Bank is a financial institution and a financial intermediaries that accepts deposit 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. Due to their influence within a financial system and an economy, banks are generally highly regulated in most countries. Most banks operate under a system known as fractional reserve banking where they hold only a small reserve of the funds deposited and lend out the rest for profit. They are generally subject to minimum capital requirements which are based on an international set of capital standards, known as the Basel Accord. Banking Banking in the modern sense of the word can be traced to medieval and early Renaissance Italy, to the rich cities in the north like Florence Lucca, Siena, Venice and Genoa. The Bardi and Peruzzi families dominated banking in 14th century Florence, establishing branches in many other parts of Europe. One of the most famous Italian banks was the Medici Bank, set up by Giovanni di Bicci de' Medici in 1397. The earliest known state deposit bank, Banco di San Giorgio (Bank of St. George), was founded in 1407 at Genoa, Italy. Origin of the word “bank” The word bank was borrowed in Middle English from Middle French banque, from Old Italian banca, from Old High German banc, bank "bench, counter". Benches...
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...CORPORATE GOVERNANCE IN NEPALESE FINANCIAL SECTOR: DOES POLICY MATTER? Submitted To Research Committee Research and Consulting Service Department Nepal Administrative Staff College Submitted By Basanta Raj Sigdel Santosh Koirala June, 2015 Copyright: Nepal Administrative Staff College Recommended Citation Sigdel, B.R. & Koirala, S. (2015). Corporate governance in Nepalese financial sector: Does policy matter? Lalitpur, Nepal: Nepal Administrative Staff College. Declaimer: This study is funded by Nepal Administrative Staff College. The opinion expressed in this research report do not represent official position of Nepal Administrative Staff College and are those of the researchers. ACKNOWLEDGEMENT This research paper has been materialized in this form with the help of many individuals and institutions. First, the team extends profound gratitude to the respected respondents of banks and finance companies for their valuable and generous support without which the project would not have been successful. Similarly, we are thankful to the Research Committee of NASC and Research and Consulting Services Department for their continuous guidance, facilitation and support in this endeavor. ABSTRACT The study examines insiders' perspectives on the determinants of corporate governance in the Nepalese financial sector. For this, we use a 5-point Likert scale questionnaire developed by CLSA, modified and contextualized to Nepalese setting. The study...
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...NEW MARKET ANALYSIS PROJECT for Nabil Bank INTERNATIONAL BUS Contents INTRODUCTION 4 1.1 Background of the study 4 1.2 Need of the Study 4 1.3 Objectives of the Study 5 1.4 Methodology of the study 5 1.5 Process of Data Collection 6 THEORETICAL FRAMEWORK AND ORGANIZATIONAL BACKGROUND 6 2.1 Theoretical Framework 6 2.2 7 Qualitative Analysis of Organization 7 2.2.1 Mission Statement 8 2.2.2 Vision 8 2.2.3 Values 8 2.2.4 Objectives 9 2.2.5 Share Capital and Ownership 9 2.2.6 Share Ownership of NBL 9 2.2.7 Organizational Structure 10 2.2.8 Product and Services 11 2.2.9 Human Resources and Training 12 2.2.10 Awards and recognition 14 2.2.11 The Kamladi Branch 14 2.2.12 Analysis of Organizational Functions 15 2.2.13 Current Status of the organization 17 2.2.14 Current Problems 18 2.2.15 SWOT Analysis 19 ANALYSIS AND PRESENTATION 20 3.1 Remittance Distribution in Nepal 20 3.2 Remittance and Nepalese Economy 21 3.3 Major Players in the Market: 24 3.4 Remittance at Nabil Bank 24 3.5 Framework of Inward Sourcing Unit 25 3.6 Remittance Products of Nabil Bank 26 3.7 Process of Internship 28 3.8 Western Union 29 3.9 Western Union and Nabil Bank 32 3.10 Income generated by NBL through Western Union 33 3.11 Analysis of Statistical Data of Western Union 34 3.11.1 Average Daily Transactions 35 3.11.2 Average transactions from various nations 36 3.12 Nabil Bank and Sub-Agents...
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...“Bank is an establishment for the custody of money received from or on behalf of its customers. Its essential duty is to pay their drafts on it, its profit arise from the use of the money left unemployed by them.” Types of Bank There are many types of bank among them the main types of bank can be categorized as follows: a) Commercial Bank b) Development Bank b) Central Bank 1.2 Brief Introduction about Commercial Bank A commercial bank is a financial intermediary which collects credit from lenders in the form of deposits and lends in the form of loans. Encyclopedia Says: Commercial banking activities are different than those of investment banking, which include underwriting, acting as an intermediary between an issuer of securities and the investing public, facilitating mergers and other corporate...
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...applicability. Learning only on theoretical basis limits our knowledge horizon and keeps us far from real world. So, in order to have enough understanding on the accounting process, this project aims at applying theory into practice. The annual report project in the first term of our accounting course in MBA is assigned to us to make us learn everything we can about one company using its annual report, the internet, the press, stock market and contract with company officials. Thus, this annual report project on Unilever Nepal Limited (UNL) is prepared as a part of learning practical applicability of accounting processes. Objectives of the report Every report has objectives. It is on the basis of these objectives that report is directed in a fixed path and contains precise information to meet those objectives. The major objectives of our report are highlighted below. 1. To understand the accounting process of a real organization 2. To be able to understand and analyze financial reports and annual reports. 3. To have basic information about Unilever Nepal Limited 4. To know about the capital structure, assets, cash flows and ratio...
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...They are beyond the place of their permanent residence with sole intention to earn income that would help in meeting the needs of the family in a better manner. In performance of their work they face exploitation at the hands of employers as also recruiting agents. The national laws protecting the interests of workers normally remain untouched in so far migrant workers are concerned as either they are not covered or overlooked. Worst is the case with the non-officially recorded migrants. Their size is significantly large when on looks at the South Asia. The labour surplus economies of South Asia have of recent awakened to the concerns of these workers, as bilateral agreements are being entered in to. The SAARC has also adopted a Social Charter. The SAARC Social Charter is an important milestone in the area of regional cooperation. The well-written document identifies seven social areas of concerns but fails to include labour as one of them. Under the condition whether concerns of migrant worker could be included in a multilateral agreement, and if so whether it will help to check the human and labour right violations that the migrant workers the faced with? This is a big question. South Asia Scenario: The South Asian Region consists of Afghanistan, Bangladesh, Bhutan, Burma, India, Maldives, Nepal, Pakistan and Sri Lanka. These countries are members of the United Nations, Non-aligned movement, South Asia Association for Regional Cooperation [SAARC] and of the...
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...trekking and mountaineering in Nepal Project report 2014 Ravi Adhikari(s0246050) CQU 9/18/2014 Contents 1.1Problem statement 3 1.2Research questions: 3 2.1Literature review 4 2.1.1Nepal: 4 2.1.2Trekking in Nepal 5 2.1.3Trekking impacts 5 2.1.4Factors influencing trekking 6 2.2Methodology 6 2.2.1. Desk research: 7 2.2.2 7 2.3.0 Limitations of the study 7 2.4 Discussion and findings 8 2.4.1Main areas for trekking in Nepal 8 2.4.2 Benefits received from trekking and who gets the benefits 8 2.4.3 Costs of Trekking in rural areas of Nepal 9 2.4.4 Factors that are directly and indirectly affecting trekking in Nepal. 11 2.4.5 Internal and external Political situation 11 2.4.6 Safety of the trekkers: 12 2.4.7 Global recession 14 2.4.8Government polices and infrastructure 15 2.4.9 Other reasons 16 2.5 Effect of these factors 17 2.6 Plan and polices of NTB 17 3.1 Conclusion: 19 3.2Recommendations 20 3.2.1 Construction of the constitution 20 3.2.2 Safety and security 20 3.2.3 Ban on closure and strikes in tourism industry 20 3.2.4 Air accessibility 20 3.3.5 Infrastructure and development 21 Reference list 22 Chapter 1 1.1Problem statement There are lots of factor that have affected the Tourism industry in Nepal ranging from civil war within the country, to global economy downturn or different Flus in the world,. These factors and many others affect the number of people travelling to the Nepal especially for group of people...
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...Submission of Course Report Participation of Bangladesh in economic integration: BIMSTEC and BCIM Dear Sir, With great pleasure we would like to submit our Report on “Participation of Bangladesh in economic integration: BIMSTEC and BCIM.” as per course requirement. It was our immense pleasure to have such a report. It was a wonderful experience to work on this report. As you will see in the following pages we have first shown basic ideas of economic integration. Then we have focused basically on two integrations: BIMSTEC and BCIM, their impact in the economy of Bangladesh and an overall overview of their impact in their respective member countries.. We have also present BIMSTEC contribution to export, import and overall trade balance performance with their member courtiers and opportunities for Bangladesh with BCIM. Therefore, we beg your kind consideration in this regard. We will be very grateful if you accept our report and oblige us thereby .Sincerely Executive Summary We have basically focused on two among the various economic integrations: BIMSTEC and BCIM. Here we have try to analyze what are impacts of this integrations in the economy of Bangladesh and with their member countries. Total export of Bangladesh...
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...MAKING VISION 2021 A REALITY: GLOBALIZATION AND REGIONAL COOPERATION CHALLENGES FOR BANGLADESH Course Name : International Economics SUBMITTED BY: Muhammad Jahangir Alam ID:40814010 14TH Batch MBA (Marketing), University of Dhaka. Date of Submission: 28.12.2010 Introduction Born from the great Liberation War of 1971, Bangladesh is a non-communal, progressive, democratic state that has worked to establish an economy and society free of inequality, and to nurture a culture of democracy and respect for human rights for all fostered by patriotism in all areas of social existence. Along with a tolerant democracy, the aspiration is for a more caring society based on a system of values rooted in the culture and traditions of Bangladesh. The country’s value system will develop as it progresses, and the values will translate from collective to individual perspectives creating a collective drive to work together towards national development. Bangladesh’s heritage, rich in content and diversity, shall have a place in our present and be the anchor for the country’s ambitions. Globalization in the broadest sense implies integration of economies and societies across the globe through the flow of technology, trade and capital. Economic globalization is a process of rapid economic integration between countries that is driven by the increasing liberalization of international trade and foreign direct investment...
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...AND ITS IMPACT ON SHARE PRICE (ANALYSIS OF SELECTED “A” CLASS LISTED COMPANIES) Submitted By Bijendra Bahadur Malla Roll No.: 740090 Reg. No: 2007-2-22-0056 A Research Report Submitted To Prof. Dr. Prem Raj Pant Apex College Pokhara University In partial fulfillment of requirements for the course on Research Methodology For the degree of Master of Business Administration Kathmandu August, 2009 ACKNOWLEDGEMENTS This Study has been under taken to analysis the “Dividend Policy and its Impact on Share Price (Analysis of selected “A” Class Listed Companies)” under partial fulfillment of the requirement of MBA degree. The thesis mainly covers the dividend policy and its impact on share price of “A” class listed companies of Nepal. I would like to express my deep gratitude to Professor Dr. Prem Raj Pant, for his kind support, advice and continuous support for the thesis writing. I would like to express my deep greet to my respected supervisor, Mr. Pushpa Raj Joshi and Mr. Bharat Singh Thapa for his continuous guidance and supervision. The report in this form is the result of their inspiring and invaluable guidance and supervision. I express sincere thanks to all librarians of Apex College who helped me directly and indirectly in the course of review of literature. Finally, I would like to thank my family and friends for their help, blessings, love and support for me to prepare for the thesis writing. ........…….……........ Bijendra Bdr. Malla I CERTIFICATE...
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...CHAPTER 1 INTRODUCTION 1.1 Background Due to increased globalization competition has virtually cross is extremes globally and Nepal is not an exception to it. The degree of world converging economy and unchallenged dominance of develop nation has proved to suppressing developing countries to a larger extent. India a developing nation has proved to withstand itself as an exception to this challenge all because of its efficient and effective human resource. The capability of human resource and its retention within determines the development of any economy and nation as a whole. Nepal Bank Limited being the first bank of Nepal, is a pioneer banking institution of Nepal. Nepal Bank Limited seeks to provide and Environment within which the bank can bring unique financial value and service to all customers. Being a sound institution where depositors have continue to have faith in the security of their fund and receive reasonable returns. Borrowers are assured of appropriate credit facilities at reasonable prices. Other service seekers receive prompt and attentive service at reasonable cost through its extensive branch networks around the country. Beside this NBL has been providing various modern banking products and services to its customers. For this to take place I enrolled with NBL kalimati branch as an intern for the period of two months. The help desk service includes the services of account opening, balance inquiry, publishing account statement, issuing cheque...
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...Journal of Pro Poor Growth. 01 (01) 2013. 19-28 ISSN: 2306-1669 (Online), 2310-4686 (Print) Journal of Pro Poor Growth An International Perspective http://www.escijournals.net/JPPG ACHIEVEMENTS OF MILLENNIUM DEVELOPMENT GOALS (MDGS) IN SOUTH ASIAN ASSOCIATION OF REGIONAL CORPORATIONS (SAARC) COUNTRIES: A CASE OF NEPAL Kushum Shakya* Central Department of Economics, Tribhuvan University, Nepal. ABSTRACT South Asian Association of Regional Cooperative (SAARC) countries have achieved considerable progress in socioeconomic indicators like poverty reduction, educational attainment and improved health facilities. The progress, however, is not uniform across the countries. The aim of this paper is to assess the progress made by SAARC with regard to selected Millennium Development Goals (MDGs) and its achievement and gap in Nepal. The paper shows; i) Status of SAARC countries with respect to selected MDGs, ii) Achievements of MDGs in the case of Nepal and iii) the gaps to achieving the targets. The paper shows that the most SAARC countries including Nepal have performed poorly with MDGs. It is therefore concluded that there is need to prioritize to meet all goals in post MDGs for Nepal. Keywords: SAARC, MDG, Post-MDG, socio-economic. INTRODUCTION The Millennium Development Goals (MDGs) have eight goals to be achieved by 2015 that respond to the world's main development challenges. The MDGs are drawn from the actions and targets contained in the Millennium Declaration that...
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...investment, economic prospects, social dimensions even poverty are affected by financial market. The available vast empirical and analytical literature suggest that in addition to other economic factors, the performance of long term economic growth and welfare of a country are related to its degree of financial sector development. Developed countries’ experience suggests that strong government bond market creates favorable environment for the development of an efficient corporate bond market although it is not always essential for a country to develop a government securities market. The financial markets, pivotal point of financial sector, execute a crucial role within the global economic system such as attracting and allocating savings, setting interest rate and discovering the prices of financial assets (Rose, 2003). A well diversified financial sector is highly dependent on the extreme collaboration of financing from equity market, bond market, and banks. The government bond market forms the backbone of a modern securities market in both developed and developing countries. Bangladesh has not been blessed with the contribution of both Corporate and Government bonds and consequently experiences the poor economic growth. With the current financial structure, characterizing the dominating presence of commercial banks, particularly the State Owned Commercial Banks (SCBs), the debt market of Bangladesh is very small relative to other South Asian countries amounting only 5.5 percent...
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