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3 Introduction
4
1.1 Background of the study
5
Internship has been a wonderful experience for me. It is the medium through which
interns can convert the theoretical knowledge into the practical one. Practical based
knowledge is very necessary to cope up with the external environment. In other words,
internship has been a window to the outer world. It is obvious that only theoretical
knowledge is not sufficient to tackle with real time problems. So to update with the
knowledge, practical knowledge is very necessary. Internship not only gives the ability to
think and makes able to give the decision at real time and situation but also show the way
how an office environment is like, how it functions and what motivates the employee to
perform well. "Internship creates professionalism inside ones mind."
6
7
Internship is the period in which interns get the great opportunity to expose their talents,
skills and knowledge to solve the practical problems. By exposing the interns in the
organizational environment they can learn the organizational culture so that it is very
convenient for their placement in the host organization according to their internship
performance. This will help them to build the career and also broaden the knowledge.
8
9
The interns should also submit report based on the work performed during the internship
period activities performed in the bank for the fulfillment of degree. So here I am going
to prepare the internship report on overall banking performance of Nepal Bank Limited.
To see how much of contribution NBL has made in the financial sector that effects
nations economy through Nepal Bank Limited (NBL), Nepal comes under developing
countries. Financial sector is considered to be the nucleus of growth model designed for
the economic development of the country in which banking industry plays key role. The
banking sector is an integral part of any economy, and plays a vital role in economic
development and prosperity of an economy. The banks ensure the smooth running of
economy my effective mobilization of the fund. A bank today, is not just an institution
where we can deposit our money or take loans from; rather its scope is getting wider day
by day. A banks service today can be seen as a morphing of various financial
products/services, which seems to be of ever more increasing variety. Nepal financial
system has significantly both in terms of business volume and the size of markets. After
the establishments of central bank Nepal Rastra Bank on Baisakh 14, 2013 under NRB
Act. 2012; Nepalese financial system has experience the continuous development. NRB
plays vital role in supervising, promoting and directing the functions of commercial bank
activities. After liberalization policy by the government, the banking industry of Nepal
started to rise they achieved the desired growth. Nepal bank limited is first bank of Nepal
and it was incorporated in 1937.
10
11 Nepal Bank Limited has been playing vital role in development of the banking sector of
Nepal. Generating profit through borrowing and lending is the core function of the
commercial bank. This function helps to uplift the economy of the country by collecting
the funds in micro level and lending in macro level and, mobilizing the funds from
surplus level to deficit level. The success of the bank depends on the maximum collection
of and the optimum disbursement of the fund with minimum risk. For optimum
disbursement of the fund with minimum risk bank needs to have the strong body to
control the risk and flow of the loan. In any bank this function is handled by credit
department. The commercial bank also helps in export and import of goods and services.
For this there is a department called Letter of Credit (LC) Department. Banking sector
occupies the major part in the whole world economy.
12
13 The mission of BBS program has the adequate attention to equip students with
knowledge, methods and technologies that will aid a person to mould into a human
resource capable of gaining even in unfavorable situations. The internship helps the
students to understand banks culture and environment and develop their own insights
towards the banking industry which leads them to develop various professional qualities
and skills.
14
vii)
17
18 1.3 Methodology of the Study
19 In this internship report, the primary as well as secondary information has been used. The
information is collected from interview, websites and annual report of Nepal Bank
Limited. The internship report is based on my own experience that I have faced in Nepal
Bank Limited, Head Office and main branch, New Road, Kathmandu
20
21
1.3.1
Organization Selection
22 I have completed my internship program from Nepal Bank Limited, head office, main
branch. For selecting this organization, I had tried through my personal approach as well
as from my colleges internship Letter. After my regular follow-up, the bank agreed to
give me an opportunity to acquire knowledge/expertise through internship program with
effect from 6th Paush , 2072 to 5th Falgun , 2072.
23
24 1.3.2 Placement
25 Regarding the placement during the internship period, I was placed in different
department of Nepal Bank Ltd, New Road Banking Office. So with the reasonable
guidance of the members I started internship from Bills Department, Remittance
Department, Customer Service Department and Credit Department. This eight weeks
internship really helped me to develop managerial and interpersonal skills. I was able to
learn the bank culture, work environment and working procedure of Nepal Bank Ltd,
New Road Branch. Eight weeks of time is not sufficient to gather overall knowledge of
Banking, but however these eight weeks of internship had really been awfully
knowledgeable and fruitful for me to gain at least brief understanding of it.
26
27
1.3.3
Duration
28 The duration of internship period has been defined for eight weeks by Tribhuvan
University. So I have completed two months in Nepal Bank Limited, head office, main
branch.
29
30
Table 1.1
31
32
37
39
41
43
45
Duration of Internship
Departments
35 Customer Service
Bills/Clearance
Locker
Credit
Remittance
Front Desk
46
Pension
33 Weeks
34
36
38
40
42
44
47
2
2
2
1
1
1
48
49
50
51
52 1.4 Activities Performed in NBL
53 During the entire internship period, the interne had time to visit different departments like
Remittance, Customer Service Department, Bills Department, Pension, Front desk, Credit
and Locker Department. The activities performed on these departments are as given
below.
54
55
56
57
58
Table 1.2
59 Activities done in different departments
60 S
61 Department
62 Activities performed
64 Customer service
.
N
o
.
63 1
department
66 2
67 Bills
69 3
70 Locker
72 4
73 Credit Department
75 5
76 Remittance Department
78 6
79 Front Desk
81 7
82 Pension
through ABBS
83 Signature verification, renewal of
different pattas, handling
customers queries etc
84
85
140
142
30
25
141
143
Deposit
Withdrawal by cheques
14
145
Issuance of statement
21
147
Issuance of cheques
88
149
0
144
50
146
0
148
1
150
151
152
153
1.3.4
154
Limitation
This internship report is prepared under the consideration of confidentiality and
internship period was for the limited period of two months. Due to the limited time frame
and due to other Trainee in bank it was difficult to work in the entire field and sometime
we have to stay ideal without doing anything. The staffs were busy in their work and
difficult to guide the intern.
155
156
157
158
CHAPTER 2
159
160
163
164
easy way to pay bills through the maintained account. Bank provide many services such
as accepting various deposits, safeguarding deposits, making loans, providing means of
payment, electronic banking and other services such as travelers cheques and money
orders. Regardless of all these things banking industry plays vital role in the financial
system of a country by mobilizing fund from micro level savers to macro level investors
which help in building the backbone of any financial system with maximum utility. A
bank collects money from those who have it to spare or who are saving it out of their
incomes, and lends money to those who require. In general, a bank is an institution with
the following features:
i) It deals with money; it accepts deposits and advances loans.
ii) It deals with credit; it has the ability to create credit.
iii) It generates profit from the difference between the level of interest it pays for deposits
and other source funds, and level of interest received from lending & investment sectors
iv) It is a commercial institution; it aims at earning profit.
165
166
Definition of Bank
167
168
According to C.R. Crowther, A bank collects money from those who have it to
spare or who are saving it out of their incomes, and it lends this money to those who
require it.
169
170
171
According to the history, it is found that people of our country have been involved
in business and trade since long time ago Through the production of copper utensils had
been started during the 7th century, business relationship could not be established with
India since India was involved in the production of copper utensil. However, the craft
concerned with copper, wood and metal in our country did attract the Chinese and the
Tibetan a lot, thus resulting in the establishment of business relationship with China and
Tibet.
172
In 12th century there was silver coin called Dam. Later on in 14 th century
173
TANKADHARI one is that dealt with the lending money to the public. Its main
objective was to earn profit, so they used to charge high interest rate. To control interest
rate TEJARATH ADDA was established in 19th century. It provides loans to the people
working in government offices on the basis of the security and to public on the basis of
collateral they deposit. It charges only 5% interest rate per annum. It only provides loans
but does not accept deposit.
174
175
In 1980 B.S. Nepal could establish business with countries beyond India as well
and first modern bank Nepal Bank Limited was established in 1994 B.S. Kartik 30 th
according to the Nepal Bank Act 1993. Nepal Bank Limited was established with 51%
ownership of Nepal government and 49% of equity participation from private sector.
Later on in 2012 B.S. Nepal Rastra Bank was established with the objectives to maintain
the internal external stability. In 1996 A.D. government established another bank named
Rastriya Banijya Bank to make money transaction easy. Besides that, establishment of
Nepal Industrial & Development Corporation in 1959 A.D .and Agriculture Bank in 1967
A.D. as well as other cooperative societies also started contributing to the economy and
banking tradition in Nepal Grind lays Bank limited established in 1986 A.D. There are
other several commercial banks and in Nepal commercial banks should be registered
under Company Act or Commercial Bank Act under section 12(a) to (w)
176
177
178
179
180
181
Banking is one of the most sensitive businesses all over the world. Banks play an
important role in the economy and are considered as the backbone of an economy in
every country and Nepal is no exemption. Banks are custodian to the assets of the general
masses. The banking sector plays a significant role in a contemporary world of money
and economy.
182
It influences and facilitates many different but integrated economic activities like
186
187
A single institution cant fulfill all the services demanded by the customers. So,
different types of banks emerged in the banking industry concentrating on a special
sector. On the basis of their specialized function bank can be classified as under.
1. Central bank
2. Commercial bank
3. Development bank
4. Saving bank
188
189
Housing bank
3
190
191
Merchant bank
1. Trade finance
2. Deposits
3. Remittance
4. Clearing / Collection
5. Loans and Advances
6. ATM with any branch banking
7. Safe deposit Vault
8. SWIFT
9. ABBS
10. Fund Transfer
11. 365 Days banking
12. Debit card
13. Auto loan
14. Housing loan
15. Education loan
16. Mahila Bachat
17. Pension Distribution
18. Gold Loan
19. Fixed deposit loan.
20. Travelers Check
21. E Banking
192
22.SMS banking.
193
194
195
196
197
198
199
S.N
o
200
Commercial banks
201
1
202
203
2
204
205
3
206
207
4
208
209
5
210
2116
212
213
7
214
215
8
216
217
9
218
219
10
220
221
11
222
223
12
224
225
13
226
227
14
228
229
15
230
231
16
232
233
17
234
235
18
236
237
19
238
239
20
240
241
21
242
243
22
244
245
23
246
247
24
248
249
25
250
251
26
252
Mega Bank
253
27
254
NMB Bank
255
28
256
257
29
258
259
30
260
261
31
262
263
264
265
266
267
268
269
270
271
272
273
274
275
276
CHAPTER 3
277
278
279
280
Nepal Bank Limited is the first conventional bank of Nepal, established in 1937
AD. Nepal Bank Limited in the beginning operated as a central bank and later was turned
into a commercial bank under the new Bank Act. Nepal Bank Limited is the pioneer
bank, started with objectives to render service to people and to contribute to the nations
development.
281
Nepal Bank Limited holds the largest network and operates even in remote areas
of the country. Government holds forty percent stakes of Nepal Bank Limited. As the
financial market was barred for private investors till the mid-1980s, Nepal Bank Limited
along with Rastriya Banijya Bank was only players in the banking industry. The bank has
an important role in supporting economic liberalization policy adopted in the mid-1980s.
282
283
It holds the vision of remaining the leading financial institution of the country.
Nepal Bank Limited holds the exclusive identity of serving most of the towns as well as
the corporate consumer.
284
285
286
287
Though Nepal Bank Limited is first bank of Nepal it has been the innovator in
introducing many new products. To illustrate, the bank has implemented till the following
products now
288
289
290
291
292
293
294
6) Locker Facilities
295
296
297
298
299
300
301
3.3 Mission
Nepal Bank Limited seeks to provide an environment within which the bank can
bring unique financial value and services to all customers. It will be sound institution
where depositors continue to have faith in the security of their funds and receive
reasonable returns; borrowers and assured of appropriate credit facilities at reasonable
prices; other service- seekers receive prompt and attentive service at reasonable cost;
employees are paid adequate compensation with professional career growth opportunities
302
Values Statement
303
At Nepal Bank Limited, we believe that our banking should be based on:
304
305
Respect, reward and opportunity for the people with whom we work
306
Respect,
309
310
311
312
3.4 Vision
To remain the leading financial institution of the country."
313
314
3.5 Objectives
315
Continue to maintain leading share of banking sector with a significant presence in all
major geographical areas in the country.
Provide competitive and customer oriented banking services to all customers through
competent and professional staff.
316
317
318
The authorized capital of the bank is NPR 1500 million, of which 1000 million is
the issued capital and the total paid up capital of the bank at present is 700 million. The
promoter share constitute the major portion of the bank share which stands up to 70% of
the total capital structure and remaining 30% will be held by the general public for which
the bank launched I.P.O on May 24, 2009. The bank had the highest paid up capital from
the promoters among all the commercial banks in the country at the time of its
commencement.
319
320
321
The table below shows the number of different branches of NBL located all over
the country.
322
323
324
Region wise
325 No of Branches
326
branches
Kathmandu Region
327
29
328
Biratnagar Region
329
32
330
Birgunj Region
331
23
332
Pokhara Region
333
21
Nepalgunj Region
335
18
334
336
338
Table 3.5
Branches of NBL
Total no of Branches
337
123
Source: www.nepalbank.com.np
339
340
341
the control of Central Bank of Nepal, Nepal Rastra Bank (NRB). NRB has appointed a five
members management committee. This management committee performs as the board of
director of the bank.
342
343
Management Team
The bank is running under the leadership of Nepal Rastra Bank (NRB) appointed three
management team under the leadership of NRB director, Mr.Maheshwor Lal Shrestha.
344
Structure of NBL
3.9 Organization
345
346
347
CHAPTER 4
348
349
350
351
352
353
354
355
356
Managing the various forms and voucher such as different new account
opening forms, etc.
357
358
359
Helping the customers to open the new account and the forms are filled up
precisely as per the needs
360
361
Providing the bank statement to the customers to see their transaction being
taken place.
363
Providing
important
message
to
the
customer,
maintain
good
Customer Counseling
368
Help desk Department is very crucial for the success of bank. Customer
counselling is the most important function of this department. The efficiency of the
department or an organization is the outcome of the quality of the customer counselling
that is provides. It is concerned with counseling the new as well as the existing clients
regarding the products services provided by the bank.
369
370
Account Opening
371
372
Current-Account
373
Fixed- Account
374
Saving-Account
375
376
377
Customers are required to fulfill some basic requirement before they open
their account. Those requirements are mentioned below:
378
379
Personal
Identification
(Citizenship
Certificate
and
copies
of
380
381
382
383
384
385
386
387
388
389
List of directors duly signed by respective directors with home address and
phone numbers.
390
391
392
393
394
Copy of by-laws
395
396
397
398
For Minors:
399
400
Nominee form:
401
402
403
404
405
406
Copy of By-laws
407
408
List of members
409
410
411Certificate of Incorporation
412
413
414
415
416
417
418
419
420
421
Registration Certificate
422
Identification of Proprietors
423
424
425
Fill the account opening form along with the signature card.
426
Check the application form being held by the customer and see whether all
the required information is being properly filled or not.
427
Verify photocopies of documents with original one and attest it with the
form.
428
The new account opened is being entered in the account opening register
and account number is written in the form and voucher.
429
The hard copy information is being converted into the soft copy by entering
all the information in the banking software.
430
431
432
Customer are then provided with the cash/cheque deposit voucher for
depositing cash in their newly opened account to maintain the minimum balance set by
the bank to operate the account.
433
After all the necessary entries are made, check list as per the type of
account opened is provided to customer by entering in the cheque dispatch book.
434
435
436
In addition to the documents as per stated above as per NRB rule any one
of the following document is also needed to proof the address of the customer:
437
Water/electricity/Telephone bill
438
439
440
441
442
Account closing
443
444
445
The process of account closing start with the viewing of the of the balance
available in his/her account.
446
The account holder must present in the bank. With all the statement
provided by the bank.
447
Then the account holder must fill the application form of account closing.
448
With the deduction of charge for closing of account the remaining amount
is paid to the customer.
449
The account holder will issue the cheque according to the amount left.
450
The application
submitted to the authorized staff who has the authority to close the account.
451
The cheque/pass book is tear or damage so that is will not used again.
452
453
454
455
There is provision of providing cheque book for the customer who has just
opened account in NBL.
456
For the old account, cheque book are issued against cheque requisition
form.
457
Generally the number of leaf used to be ten but provided as the demand of
the customer.
458
The account holder should present while receiving the cheque book.
459
For The older customer the requisition form have to be filled and submitted
to the authorized person. The authorized person will approve it writing yes or ok .then
the cheque is printed.
460
In case the account holder is not present, the agent who has come to receive
the cheque book should provide following information:
461
462
If he/she has the account in the same bank then his account number if not
the photocopy of identity card.
463
Once the cheque book becomes ready for delivery, it should be entered in
the cheque book issue register the entire particular like cheque number, account holder
name, number, date, etc related to that cheque book, signature to cheque book recipient to
be obtained in the register as a proof of delivery of cheque book.
464
465
466
467
468
Record Keeping
469
The record keeping is the day to day task of CSD. The record should be
kept for all the transaction such as cheque requisition, cheque issued record, account
opening record, account closing record, etc.
470
471
472
473
In this department customers bring checks of different bank and those checks are
processed in order to deposit the amount to customers account in different other
branches or the same branch. The clearing department is responsible for the clearing of
all checks that the bank receives daily and the different types of clearing checks that
come in the bank are:
Inward Clearing
Outward Clearing
474
A. Inward Clearing
475
Inward clearing takes place when a KBO account holder draws a check in favor
of a Non- NBL account holder. The process for inward clearing is as follows:
The bank officer verifies all particulars from the instruments and the system for
sufficient balance etc. and approves the check. If any fault is found, then the officer
will mark the checks as a return, stating the reasons with them.
If no fault is found, then the officer will post these checks in the system by debiting
the customer account.
The particular of the returned checks are entered in the O/W return of inward
clearing register and returned.
476
B. Outward Clearing
477
NBL stamps, endorsement stamps and ECC (Electronic Check Clearance) stamps are affixed
along with endorsees signature.
Checks are then sent to related banks by scanning and editing the information as per ECC
rules.
For those institutions which doesnt have the ECC model of check clearing, traditional
manual way of check clearance is performed as :
478
Checks received by bills department are sent to Nepal Rastra Bank for clearance and
checks are presented to related bank.
Customer in favor of whom the check is drawn is credited after approval from the related
bank.
If any check returns the next days as a returned, the posted entries are reversed and the
check is returned to the customer who presented it and is recorded in the check return
register.
479
C. Outward Bills for Collections
480
There are some checks that are drawn by a Non NBL account that is outside the
city area in favor of NBL account holders and thus are treated as OBCs. The process for
clearing of the OBCs is as follows:
The officer affixes the OBC stamp on the checks and writes its individual number from the
OBC register.
An OBC letter is printed, which shows the check numbers, the branch drawn on and amount.
Original checks are attached to these letter and sent to the main NBL branch in that area by
courier
When that area branch clears the amount from the Non-NBL branch, it sends an Inter Branch
Credit Advice (IBCA) to NBL and the officer at the branch credits the customer account with
that amount.
481
482
483
484
485
A. Verifying Applicants
486
In locker department, the intern had to check on the customers entry and exit, to check
whether the responsible locker owner has come to take their belongings or not. Moreover we had
to check on their code to make sure of the liable customer. The applicants needed to fill up a
form with signature specimen which was tallied with their application document of information.
After signature verification they need to sign these application documents with current date and
time.
B. Locker Charges
487
There were two ways to pay for locker services. First is to pay by cash depending on the
locker size and second is to deduct amount from customers saving account. The NBL staffs were
responsible for listing customers who paid with cash and who did not. The cash payments were
recorded directly into ledger entries with reference as their payment receipt. The charge
deduction from saving account required checking the sufficiency of their balance.
488
489
The intern was given responsibility to deduct the locker charge from their saving
account. For that the intern had to open NEWTON with code 250 and check for balance.
Those accounts which had enough balance were copied in a voucher heading with
account number, name, locker number, type of locker and date. Two different dates (date
of renewal and payment expire date) were noted down.
490
Once again the intern had to open NEWTON with code 20270 where they had to
enter account number, locker charge in debit section and total amount with code
45010100 in credit section and then send button was clicked and txt number was noted
down.
The ledger entries after cash payment and amount deduction were posted into a
ledger book. The entry requires writing locker number, locker holder name, type of locker
based on size, charged amount, date of renewal, payment date and payment expiry date.
The amounts deducted
The information about the lockers were entered into excel files for easy access
which included the information about the locker holders name, address(both permanent
and current), contact number, nominee, authorized person, application number, locker
number, key number, code, registration date, last charge paid date, and expiry date.
494
495
496
497
This department looks over the various kinds of credits or loans taken from the banks. It
ensures that thorough investigation is undertaken of the client who wishes to take credit from the
bank. The bank provides consumer loan such as home, auto, term loan, and overdraft loan. It also
provides hypothecation and consortium loan. During my time in this department, I maintained
the files according to their respective topics and got to learn about different types of loan
provided by NBL.
498
499
500
Bank Limited holds a key advantage due to its number of branches. Remittances are
received or send within the country or from foreign countries. Nepal Bank has strategic
alliances with foreign companies like Eastern Exchange Est. Doha, Qatar, Arabian
Exchange Co. W.L.L. etc.
501
502
A. WEB remittance
503
504
505
A. Web Remittance
506
507
In outward department the customer fills up the form and deposits the money at
the counter and the money is send to the receiver through web by feeding up the
information with the help of form. For the authentication purpose, secret key is generated
on the system then the depositor is given 8 digit secret key which he needs to inform the
receiver and if the receiver has his account then he can take his citizenship card and get
the money transferred to his/her account.
508
510
Outward Drafts
511When a person or a company wants to make a draft on the exporter company then at first
company needs to present Performa invoice to the bank and on the basis of the invoice
the bank prepares the draft on behalf of the customer to the third party.
512
513
Inward Drafts
514
Nepal Bank limited has system of honoring drafts drawn on us by many banks
denominated in major currencies such as USD and Euro.
515
516
517
518
519
A. Statement Printing
520
The intern was given the responsibility to print statements of customer since the
very first day. The front desk computer uses Newton Software System to print Balance
Statements. The Newton System operates with teller id, branch code and password. The
employee of Nepal Bank Limited is responsible for starting the system. Printing
Statement is supported by Newton code 1450. Once the code number is entered a
framework is obtained. The statement printing requires feeding in account number of
respective customers and the transaction date. The respective customers must specify the
transaction date. Once customer account number and transaction dates are entered the
information is forwarded to IT department. They verify the account number and send
confirmation message if the account number is correct. Thus, printing is done by hitting
the PRINT button. The intern used to print 100-200 statements per day for six days in a
row. The customers using this service are registered under Kathmandu banking Office of
Nepal Bank Limited.
521
B. Queries Handled
522
This was also an important task in the front desk. The basic queries of customer
were balance inquiry and account number verification. The balance inquiry of customers
allows them to know their current balance in their accounts. There are two ways to handle
balance inquiry; the Newton system and ABBS (Any Branch Banking System)/ Pumori
System. The Newton system responds to customers registered under KBO and ABBS
system supports customers registered under other branches. The code for balance inquiry
under Newton system is 250. The code input gives a framework where entering
customers account number shows balance in their respective account.
523
524
Some other queries that they responded to were about NBLs swift code, interest
rate on deposits, interest on loan, direction to other department, banking hours, evening
counters and ATM outlets. They were under the supervision of NBL staff and she helped
them in handling queries and responding to customers.
525
526
527
528
Different product codes are there like 1010 for civil servants, 1020 for teachers,
1030 for defense and 1040 for NBL employees. Each people have their unique PATTA
NO which is entered as soon as it is entered, data relating to employee like their name,
post, pension amount, tax amount etc. is shown. The voucher is printed and the bill along
with the pattas is signed by the department head. Then the retired people take that
voucher to the cash department to get the money
529
A. Renewed of Pension PATTA
530
For the renewal of pension PATTA, a form has to be filled which contained Date,
PATTA no, Name of PATTA holder, along with his/her pension account number at the top
of the form. The form was divided into two sections, at the left side of the form they had
to fill the name of the incharge of the pension department, his post, his staff number, date,
bank code along with pension stamp. At the right side they had to fill name of PATTA
holder, their address, finger prints and signature. Lastly they had to present the form to
the in-charge for their verification.
531
B. Helped to Fill Cheques
532
If the pension PATTA were renewed on time then the monthly pension amount
goes directly to their pension account. Those parties who had pension account brought
cheque book along with them and withdrew cash from cheque. The old people who were
unable to fill the cheque for them the intern personally wrote their cheques with the
amount they desire to withdraw. After that they took their signature on the cheque and
presented to the staff for verification.
533
ID Number Write (type) the pension patta number of the pension holders.
After pension patta number type(input) the product code of the pension patta.
After completing all above procedure click the send option of your screen which is shown
at below into the right corner.
After this commands your display will get new screen to fill up customers details.
Gender
After finishing all these information press the send option or F9 key.
534
Now your screen will display one notice message board. Click at OK in that
message board or Press ENTER key.
535
536
537
538
CHAPTER 5
Conclusion
539
540
The economy of the country is booming and with the investment favorable
policies and their smooth implementation, the role of banks in todays economy have
become an important one. The banking industry is also reaping the fruits of this economic
boom by growing rapidly over the past few years. There are a number of banks opening
in the economy with foreign investments coming into the banking sector.
541
Nepal bank Limited culture is built on a set of core values: client focus,
teamwork, meritocracy, ethic and integrity, pioneering. The company is committed to its
clients best interests as well as preserving a good relationship by defining realistic
objectives.
542
Since the establishment of Nepal bank Limited, it has aimed to become the
leading bank of Nepal by providing outstanding services. The services that Nepal bank
Limited provides have a great market penetration not only because of their features but
also the profit and markup rates that they charge. Also the products that Nepal bank
Limited provides cater to sector economy.
543
Furthermore, as the bank is growing, new and more energetic employees are
entering which is sure to invigorate the performance of the bank.
544
Lastly, to become the leading bank of Nepal, Nepal bank Limited has to
benchmark its services to its major competitors in the industry or the market leader in the
industry and provide a continuous mean of improvement in its existing products and
services, while introducing new ones to the industry.
545
546
As per the rules and regulation of Nepal Bank Ltd, We the intern have to persuade
atleast 10 new customers to open an account in the Bank. So, I have completed this task.
The following are those new customers which I have opened. So, the details of those new
customers are as follows:
547
548
549
550
551
552
S.N
554
555
Bipin Rai
553
Number
556
2-10-
1
557
558
Menuka Gurung
559
592635
2-10-
Situ Shrestha
562
592643
2-10-
565
592651
2-10-
568
592669
2-10-
Arjun Pd/Mathura
571
592677
2-10-
Lamichane
Jitendra Kumar Sha
574
592685
2-10-
Lahana Majhi
577
592682
2-10-
2
560
561
3
563
564
4
566
567
5
569
570
6
572
573
7
575
576
Account
8
578
579
Alisha Khadka
580
592708
2-10-
583
592619
2-10-
9
581
582
10
584
Kamala
Dahal
592627
585
586
587
588
589
590
591
592
Bibliography
593
594
http://www.nbl.com.np
http://www.google.com
http://www.wikipedia.com
595