Recommendations:

Based on the analysis and the observation of fieldwork study, following recommendations are suggested to overcome the weakness and inefficiency and to improve the present financial performance.

Finally, it is universal that banks are the heart of our financial system. So, the ability of banking system to perform its tasks efficiently and in harmony with customers’ needs economic goals depend in large on it’s efficient management.

Summary and Conclusion:

Summary and Conclusion:

Banking sector helps in the economic development of any country. In a country like Nepal, where the economic growth rate is very low, commercial banks have played an important role to increase this rate. They give certain percentage of interest to the depositors and lends by receiving certain percentage of interest. Always, the percentage of lending is higher than the percentage of receiving funds. This is how banks make profits. Commercial banks have also helped to increase the living standard of the people by doing retail banking.

However, in the context of Nepal, the Nepalese economy has been facing various problems for the last several years; this could be due to unstable political as well as economical environment. Maoist’s insurgency as a result banking sector is becoming more and more challenging.

Findings

Ø It is one of the best banks in Nepal and branched to all major cities of Nepal.

Ø It has its branch in other countries around the world too.

Ø It provides remittance service to public.

Ø It was the first bank to establish ATM card service in Nepal.

Ø Good Performing loans to total loan ratio.

Ø The Non-Performing Loan to total Loan ratio has decreased.

Ø No bad debt but Management Efficient Ratio is very high. Employee Turn over Ratio is very low as salary and perk is very handsome.

Ø Profit is very high, so the price of share is increasing day by day.

Earning Analysis

Bank is a profit-oriented organization and its final goal is to achieve the profit that is earning. High earnings reflect to increase its value and goodwill for the bank. An analysis of the ratio helps the management, investors and creditors to know the performance of the bank and they can get information regarding their interests. The very minutes change in these factors can make the earning figure change substantially.

Standard Chartered Bank, New Baneshwor

Ø Located in the key place of city.

Ø Ample parking lies at backside of the bank both for official and customer vehicle.

Ø Service provided by the bank is quick.

Ø Contains ATM besides the main entry door.

Ø Good security management.

Ø Large space for customers.

Ø Easy enquiry of any required information

Ø Adequate number of counters.

Ø Working environment is good and clean.

we are going

We are going through “CAMEL” approach, where M refers to management. For the proper and efficient management, the banks have to possess the following qualities:

· Structure of management team should be perfect.

· Adequate management expenses.

· Internal management system is perfect.

· Qualitative manpower and it’s productivity.

· Proper communication system.

· Fair decision-making ability.

· Good relationship between customers and organization.

· Adequate management expenses.

· Working environment should be perfect.

An institution

An institution can take a desired momentum only when the management is capable of strong and long term vision. In any organization, institution is something like heart in human being.