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CHAPTER I
ORGANIZATION PROFILE

1.1 Description of The Organization


Butwal Finance Limited came into existence in the year 2055 B.S.with the name of
Butwal Finance Limited with the view to accelerate the pace of economic development through
active participation in socio-economic activities. Since its inception, BFL has made its earnest
efforts to contribute to the country by undertaking various integrated economic projects. Hence
we feel proud to announce to our valued customers that BFL has completed five years of its
successful operation so far.
BFL aims to achieve excellence in financial sectors by rendering services to all levels of
people for their individual as well as the overall development of the nation. However, the
accomplishment of this esteemed gold depends entirely on the dedication, devotion, skills and
experience of our highly motivated staff members who are the assets of the company. BFL
strives to provide its professional financial services know how to prosper in today's competitive
environment. To achieve its goal, BFL has assembled the team of young and dynamic
professional to look after the day to day operation. This company is fully equipped with
sophisticated modern equipment including computers and other necessary office equipment in
order to serve people according to their interest at much faster and reliable way. In order to cope
with the present difficult situation of the country, we are planning to introduce security
programmes to ensure security provisions for our customers. These security programmes will
include - insurance policy, recruitment of security guards, extension of communication services,
visual aids system etc.
The process of forwarding the nation in the path of development by economic liberation
and market oriented policies, ButwalFinance LTD has been established Butwal, the heart of
Lumbini Zone, with the purpose to make the country financially strong and empowered and also
to turn the nation into modernization.

Butwal Finance Limited has objective to collect the scattered saving of the region and
invest them in the productive sectors and earning profit. Butwal Finance Ltd. has been successful
in achieving these objectives to large extent. It has been providing wide range of deposit and
credit schemes according to the desire of its customers. It has been able to collect adequate amt
of saving and disburse credit to the productive sectors.
The strategic intent of BFL is to create values and economic opportunities across all the
economic zones of the country and BFL is architecting products and services to that end. BFL
collaborates with its stakeholders and strategic partners co-creating commonly gratifying each
others needs and expectations, thereby leveraging the opportunities in the nation for economic
benefit of the country.

1.2 Mission and Objectives


Mission Statement
The Banks mission is to become preferred provider of quality financial services. There
are two components in the mission of the Bank; Preferred Provider and Quality Financial
Services; therefore we at BFL believe that the mission will be accomplished only by satisfying
these two important components with the Customer at focus. The Bank always strives
positioning itself in the hearts and minds of the customers.

Objectives
BFL has set its goals and objectives to hone the skills of inspired HR force and tailor its
products and services to that end. With an all inclusive approach BFL engages in customizing
ranges of products catering to the entire gamut of society from financing mega-projects to
underprivileged individuals and promoting enterprises across all segments of society by adding
values to nation building endeavors.
Some of the objectives are:
a) To examine how the deposit is accumulated and its efficiency of utilization
b) To examine the relationship between total deposit and total lending.
c) To analyze capital adequacy of BFL.
d) To evaluate the performance of BFL in terms of liquidity, profitability, sector wise loan, non

performing loan.
e) To examine how far the rate of interest influences the credit and deposit of BFL.

1.3 Major Markets and Customers


BFL bank is providing services throughout the country through its 10 branches. The head
office of BFL bank is located at Milanchowk, Butwal. BFL has not only focused the urban areas
but also the rural areas.
The following is the list of branches and their locations.
Table 1: List of Branch Offices
S.N.

BRANCH NAME AND ADDRESS

Milanchowk Branch, Butwal

Amarpath Branch, Butwal

Durbar Marg Branch, Kathmandu

New Road Branch, Pokhara

Surkhet Road Branch, Nepalgunj

Jeetpur Branch,Kapilvastu

Kawasoti Branch, Nawalparasi

Makar-4 Branch, Bardghat

Bhairahawa Branch, Bhairahawa

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Ghorahi Branch, Dang

Major Markets of Butwal Finance Ltd, Head Office Butwal


Butwal Finance Ltd, Head office Butwal, provides its wide variety of services to the

people of local area. The major markets of BFL, Amarpath branch are depicted below.
Major Customers of Butwal Finance Ltd, Head Office Butwal
Since, BFL has its operations throughout the country. It means BFL has the large variety
of customers. BFL have its customer to the product area as well as in service area. The customers
associated with this bank are mostly involved in the hotel business, restaurant, departmental
store, educational institution, students, stationery business and transportation, wholesale shop
and retail shop, small industries, large scale industries lubricant business. The major customers
of Butwal Finance Ltd, Head Office Butwal are listed below.
1

Professionals

Business Persons

Students

Farmers

Common people

Employees of different organizations

Manimukunda Sen Park,Butwal

Different business organizations

1.4 Products and Services


Currently, BFL is providing different products and services to meet the growing banking
needs of the customers. BFL is always concerned about how it can create values for its customers
the best in the market. The bank has implemented and made available the following products
and services:
1.4.1 Products on borrowing (Deposit)
Butwal Finance Limited offers a wide range of deposit products that caters to your requirement:
1

Normal Saving

Special Saving

BFL Saving

Corporate Saving

Golden Saving

Table 2: Types of deposits

Saving Deposits
S. No.

Particulars

Minimum
Balance

Interest Rates
(P.A.)

Remarks

1.

Normal Saving

100

8.50%

Daily Balance

2.

Special Saving

1000

8.75%

Daily Balance

3.

BFL Saving

10000

9.25%

Daily Balance

4.

Corporate Saving

1000

9.50%

Daily Balance

5.

Golden Saving

25000

10.50%

Daily Balance

Fixed Deposits
S. No.

Particulars

Quaterly

Yearly

3 Months

11.00%

6 Months

11.50%

9 Months

11.50%

12.00%

1 Year

13.00%

13.05%

2 Years

13.50

13.65

13.75

3 Years

13.75

13.85

14.00

4 Years

14.00

14.15

14.25

5 Years

14.25

14.40

14.50

6 Years

14.50

14.65

14.00

BFL has now the following deposit products:


1.4.1.1 Normal Saving
With this scheme the customer can open a deposit account with a minimum balance of
NRs.100 and can enjoy interest earnings once his or her deposit crosses NRs.10, 000.It is a
normal account provided by BFL to the people at 8.50%.
1.4.1.2 Special Saving
This premier scheme provides a good return on customers' deposits with a variety of

services. The minimum balance to open this account is NRs.1000 and the customers earn
interests once the minimum balance reaches Rs. 50,000 and above at all times. This is a special
account provided to the people at 8.75%. In this saving account, people can open their account at
Rs.1000 minimum on daily basis.
1.4.1.3 BFL Saving
This premier scheme provides a good return on customers' deposits with a variety of
services. The minimum balance to open this account is NRs.10000 and the customers earn
interests once the minimum balance reaches Rs. 50,000 and above at all times. This is a special
account provided to the people at 9.25%. In this saving account, people can open their account
on daily basis.
1.4.1.4 Corporate Saving
This premier scheme provides a good return on customers' deposits with a variety of
services. The minimum balance to open this account is NRs.1000 and the customers earn
interests once the minimum balance reaches Rs. 50,000 and above at all times. This is a special
account provided to the people at 9.50%. In this saving account, people can open their account at
Rs.1000 minimum on daily basis.
1.4.1.5 Golden Saving
This premier scheme provides a good return on customers' deposits with a variety of
services. The minimum balance to open this account is NRs.25000 and the customers earn
interests once the minimum balance reaches Rs. 50,000 and above at all times. This is a special
account provided to the people at 10.50%. In this saving account, people can open their account
at Rs.1000 minimum on daily basis.
1.4.2

Products on Lending

1.4.2.1 Consumer Loan


1. Housing Loan
BFL is the pioneer bank to introduce housing loan in Nepalese finance company. In order
to meet the needs o f home seeker, BFL offers direct housing finance for individual for
individuals for construction /acquisition /purchase of house/flat allotted by the private builders or
development authorities and also for carrying out repairs/renovation/addition/alteration to the
house/flat. Generally there is no prepayment if the loan amount is paid through income source of
the borrower. There is no hidden cost in the product and offering competitive interest rate with

long repayment period.


2. Vehicle Loan
The product offers the borrowers to purchase new car/van/jeep. Generally there is no
prepayment if the loan amount is paid from the own income source of the borrower. There is no
any additional collateral required in this scheme.
3. Agriculture Loans:
The Agriculture loans consists of loans from fisheries, animal, husbandries, vegetable and
cash craps framing and poultry farming, bee farming etc. the loan is of seasonal well as long
term depending on the basis of the cash flow of the concern loans. Cane farming is the growing
sector in this V.D.C.
4. Hire Purchase Loans:
Housing is the cares are where financial institutions are providing loans. The types of loans
are becoming very popular amount the types of loans are as well as the client specially fixed
income groups. The residential as well as the business complex are growing rapidly. The loan is
granted of 70% percent of the total housing construction. Similarly business complex loans will
be provided under consortium loan scheme.
5. Educational/ Foreign Employment Loans:
BFL provides loan for education and foreign employment also. BFL invest loan for those
person who want to complete their education and want to go foreign for employment. Looking
the intensity of people towards education and foreign employment BFL provides this type of
loan.
1.4.2.2 Business Loans
1. Industrial Loans:
Industrial loan are the other area where the Institution is giving emphasis on small and
cottage industries which have scope in local market dairy, biscuits, bakery, handicraft rice and
oil, furniture etc. are the potential industries where the institution will be opted for industrial loan
are provided such as overdraft, project long term loans and working loans.
2. Trading Loans:
By looking the possibilities of market around Amarpath branch, BFL provides loan for
trade. It mainly gives loan for small trade such as retail shop, wholesale shop, educational
institutions etc. The organization has also decided to provide this loan from its annual meeting

outside their members by mortgaging their properties.


1.4.2.3 Others Loan:
Besides above mentioned topics the co-operatives provides loan as others loans. In this topic
of loan BFL provides loan as education loan, tour loan, health loan, etc.

PRIME CUSTOMER OTHER CUSTOMER


Monthly
%

Quarterly
%

Monthly
%

Quarterly
%

BUS,TRUCK,TRACTOR,
MINI BUS,MICRO BUS
(OLD MODEL)

17

18

18

19

BUS,TRUCK,TRACTOR,
MINI BUS,MICRO BUS
(NEW MODEL)

17

18

18

19

MOTORCYCLE,
SCOOTY

17

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Table 3: Details of loans

PRIME CUSTOMER

OTHER CUSTOMER

MONTHLY
%

QUATERLY % MONTHLY
%

QUATERLY %

PERSONAL LAND
& HOME LOAN

17

18

18

19

INSTITUTIONAL
LAND & HOME
LOAN

17

18

18

19

PRIME CUSTOMER

AGRICULTRE LOAN

OTHER CUSTOMER

MONTHLY QUATERLY % MONTHLY QUATERLY


%
%
%
16
17
17
18

TRADE LOAN

17

18

18

19

INDUSTRIAL LOAN

17

18

18

19

EDUCATIONAL LOAN

17

18

18

19

HEALTH LOAN

17

18

18

19

TOUR LOAN

17

18

18

19

CONSTRUCTION LOAN

17

18

18

19

LOAN AGAINST FIXED


2 % EXTRA INTEREST ON
DEPOSIT
CURRENT INTEREST
DEPRIVED SECTOR LOAN
17
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1.4.3

Products on self banking

1. ATM card
BFL ATM card is a plastic card which provides an alternative payment method to cash when
making purchases or cash withdrawal from STM centers. BFL ATM card is your key to ultimate
convenience regarding day to day monetary transactions providing you the power of real cash in

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form of card. Functionally, it can be called an electronic check, as the funds are withdrawn
directly from the bank account.
1.4.4 Remittance Products
BFLs remittance products are a top-quality and has a diverse and selected service range
designed to cater to the different and exclusive requirements of our valued customers capitalizing
on its large international network and branches at different parts of the country.
Here are the lists of companies for which we are assigned for this service:

IME Remit

Everest Remit

Western Union Money Transfer

Prabhu Remit

Union Remit

City Express Remit

BOK Remit

Himal Remit

1.4.5 Other products/services


1.4.5.1 Any Branch Banking Services (ABBS)
In todays world technology is paramount and its role in a service industry like banking is
growing all the more in the twenty first centuries. BFL, realizing this fact has made all its
services and products technology savvy. The objectives are always to ensure BFLs products and
services are accessible to its customers no matter where they are regionally located. With its
latest IT connectivity and a renowned core-banking software, Microbanking, our uninterrupted
24 hours services and products are reachable from all our points of representations be it
branches or ATM s or merchant establishments from Mechi to Mahakali 365 days a year. The
salient features of this connectivity are our customers opening their accounts at one branch can
operate it from any branches throughout the country without any hassles. Since BFLs branch
network is extensive, its customers are privileged to access their transactional needs at ease and
convenience.
1.4.5.2 Extended banking hours
To make possible flexible transactions hours for those customers who are busy during
office hours, BFL has extended 365 days of a years banking services and evening counters from

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some of its selected branches.


1.4.5.3 Performance Bond
It is a bond issued to one party of a contract as a guarantee against the failure of the other party
to meet obligations specified in the contract. Thus, BFL provides performance bond to the
customers.

1.5 Organization Design and Structure


The BODs of BFL bank consists of altogether 10 members, among them 1 chairman, 6 directors
and 3 alternate to the directors. Mr. Devendra Prasad Dhoju is the chairman of the board. The
decision making process and the chain of authority flows from top to bottom. All decision related
to all the branches are taken by the head office, Milanchowk.
The name of the BODs members are listed below in the table:
Table 4: List of Members of BOD
S.N.
1
2
3
4
5
6
7

NAME
Mr. Devendra Prasad Dhoju
Mr. Rajendra Prasad Dhoju
Mr. IndraLal Shrestha
Mrs. Nirmala Suwal
Mr. Chirinjivi Ghimire
Mr. Rabindraman Shrestha
Mr. Dhurba Khatri

Other branches of BFL,

TITLE
Executive Chairman
Director
Director
Director
Director
Public Director
Special Director

works under the directions of the head office. The branch

manager, Mr. has full authority and responsibility of Amarpath Branch. The authority and
decision making process flows from top-to-bottom. The responsibility flows from bottom-to-top.
All the decisions related to the operations of the branch are taken by the Branch Manager. All the
operations and loan transactions are monitored by the Operation and Loan Manager. Just below
the Operation and Loan Manager, GSD (General Service Department) manager is there to
manage the day-to-day operations.
The organizational structure of the Butwal Finance Ltd.,Head Office Butwal is displayed
diagrammatically as below.

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Fig 2: Organizational Structure of Butwal Finance Ltd., Head Office Butwal

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1.6 Financial Structure


BFL being first ever finance company of Nepal has expanded its activities in the major
areas of Nepal. Share capital structure of BFL is as follows:
Table 5: Capital Structure of Butwal Finance Ltd
Particulars
1. Authorized Capital
a) 21,000,000 Ordinary Shares of NRs.100 each
b) ....Non-redeemable Preference Shares of NRs..each
c) ....Redeemable Preference Shares of NRs..each
2. Issued Capital
a) 20,297,694 Ordinary Shares of NRs. 100 each
b)......... Non-redeemable Preference Shares of NRs..each
c) .Redeemable Preference Shares of NRs.. each
3. Paid Up Capital
a) 20,297,694 Ordinary Shares of NRs. 100 each
b) ....Non-redeemable Preference Shares of NRs..each
c) Redeemable Preference Shares of NRs.. each
4. Proposed Bonus Shares
5. Calls in Advance
6. Total (3 + 4 + 5)

NRs.
2,100,000,000
2,100,000,000
2,029,769,400
2,029,769,400
2,029,769,400
2,029,769,400
2,029,769,400

Note: Share Capital at the face includes paid up capital and proposed bonus shares.

1.7. Organization Performance


Butwal Finance Ltd is of one the successful finance company in banking
history of Nepal. The performance of BFL is mentioned below:
1 Commencing with a team of about 108 staff.
2 It is the first joint venture with foreign country which has set turning point in the banking
history of Nepal.
3 This bank successfully spent 27 years of operation with tremendous growth in business
volume, profit and geographically reach.
4 BFL is the pioneer of different banking products and services.
1.7.1 Economic Performance
Synopsis of Compound Annual Growth Rate (CAGR) for key items is presented as
follows:
Table 6: CAGR for key items

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NRs.(000)
Particulars

2012

2008

CAGR

Interest Income

2,298,600

1,032,049

22.2%

Fees, Commission and Other Income

471,425

238,183

18.6%

Exchange Income

276,103

209,926

7.1%

Staff Expense

454,042

240,161

17.3%

Other Operating Expense

401,425

188,183

20.9%

Provision for Possible Losses

109,470

14,206

66.6%

Provision for Staff Bonus

190,943

99,505

17.7%

Provision for Income Tax

569,733

321,086

15.4%

1.7.2 Achievement of Current Year


The year 2011/12 has been a satisfactory year. BFL completed the 3rd year of its 5 years
strategic plan with financial year 2011/12. Despite prolonged political instability and economic
stagnancy, BFL not only continued to maintain its balance sheet size but also posted a growth
thereby posting growth under profit. Overall deposit growth of finance company in the current
financial year remained 8.9%, while BFL could achieve the growth of 7.1%. Similarly, overall
lending growth of commercial banks remained 12.6%, while the Bank could post growth of
17.8%. This obviously gave the Bank the advantage of witnessing growth on net interest earning;
however, it did not move proportionately. While the entire financial companies as per unaudited
financials witnessed the growth of 12.7% under net interest earning, BFL posted the growth of
9.1%. Modest growth is due to the maintenance of comfortable liquidity (LD ratio 26.5%) and
capital position (capital adequacy before cash dividend 11.83%; after cash dividend is 10.58%),
re-pricing saving deposits at higher rates and Banks conscious strategy to re-price lending rates
marginally but steadily in order to support the borrowers under such a difficult time. Interest rate
growth in the last two years has been the major concern for all. It on one hand gave the
opportunities to earn more to the depositors, and on the other hand passing it on to the borrowers
became unbearable. This has made higher debt burden to the borrowers leading to the growth in
default rates, particularly under the retail loan segment. Despite the Banks concerted efforts,
interest suspense in the current financial year increased by around 35% in comparison to last
year while NPA has also increased by 94.9%. However, due to the accounting of interest income

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and loan loss provisions for exposures that were due on Mid July 2011 and were collected within
Mid August 2011 (Shrawan 2068) in line with the Central Banks guideline which stipulated
accounting interest income and loan loss provision on a deferred cash basis to some extent
limited interest suspense growth and NPA to 23% and 41%, respectively. This years yield on
loans and advances stood at 12.4% registering a growth of 19.9% compared to that of last year.
1.7.3 Co-operate Social Responsibility:
Basically finance companies are established for the fulfillment of social, economical and
physical needs of their members and society. As a responsible social institution BFL has perform
different task as social responsibility.
BFL has performs followings task in current year as a responsible social co-operatives:
1 BFL organizes blood donation programs on the occasions of its 15th annual general meeting.
2 BFL organizes sports programs on the occasions of its 15th annual general meeting.
3 From fiscal year 2068/069 BFL establish funds of Rs. 25000 for the purpose of Health &
Safety programs.
1.7.4 Risk Management:
For the management of different risks occur in the organization has to perform different task.
The BFL performs following task to minimize the risk associated risk bad debts.
1

Identification of customer who is listed as bad debts.

Contacts them regularly by telephone or meet them personally.

Encouraged them to pay the loan.

Eliminate the interest of loan to who is extremely unable to pay and encourage paying the
remaining debts amount.

Adopting persuasive strategy for those who hesitate to pay.


Sometimes due to less deposit or collection the financial institution may face great problems.

The financial institutions are only able to success when they are able to collect and distribute
sufficient fund. To solve the risk arises in the institutions due to less deposit; BFL mainly focuses
for the increment in deposit with the help of following strategical performance:
1

BFL offered relatively high interest rate for depositor as compare with its competitors.

2 BFL announced different types of deposit scheme for different saving account.

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3 BFL organized different motivational programs and trainings for the members to develop their
economic behavior.
4 BFL motivate all the societies and give training to them for the development of economic
behavior and increment of saving.
1.7.5 Human Resource Development
It is the considered view that the progress and success of any organization depends upon the
knowledge, skills, motivational level of workforce. The Bank has been taking keen and special
interest in development of its human resource by imparting its employees training in various
aspects of Banking and relevant subjects. In order to bring positive swing in the working attitude
of senior officers, the Bank has been conducting special program on Management Development.

CHAPTER II
JOB PROFILE AND ACTIVITIES PERFORMED

2.1 Activities Performed in Bank


During my internship period of 8 weeks, specially, I was placed in the following departments
where I got opportunity to work and learn about the functions of those departments. I performed
various activities being in these three department .They are:
1 Customer service department (CSD)
2 Remittance department
3 Cash department
2.1.1 Customer service department
This department is solely dedicated in providing services to its customers. This
department handles the queries of the customers and performs various activities like opening &
closing of account, card issue, cheque book issue etc. The major services provided by this
department are:

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1 Opening and closing of accounts


2 Printing and issuing of cheque
3 Issuing of bank statement
4 Providing balance certificates
5 Handling queries of customers
In this department, I was assigned the responsibility of checking the forms and various
documents required to open various types of accounts, to issue debit cards, to issue cheque, issue
bank statement and to deal with various customers.
In this department, I gained knowledge about the different products and services along with
their features provided by the BFL bank, the procedure required to open different types of
accounts like Normal Saving, Current Account, Company Account, etc. I have learned to use
Micro Banking software and I have also interacted with the customers.
2.1.2

Remittance Department
This department has the responsibility to deal with the transfer of funds from abroad

especially from the Middle East countries. BFL is one of the formal banking channels which are
helping to remit money back home safely and quickly from Nepalese workers from abroad.
While performing the work in this department, I was able to get the basic concept of what
remittance is, and the requirements and process of transferring money and its phenomena etc
with the help of Mrs. Babita Karkil.
Under this department I had performed the followings activities:
1 Receive the pin code from the customer. A pin code was provided by money transfer for
identification.
2 Receive identity card e.g. citizenship, passport, license.
3 Obtain the form filled by the client and attach a copy of identity card in it.
4 Verify the transaction for payment & then provide a copy of payment to teller and file another
copy of it.
In order to provide the service throughout the country, there are over 730 authorized subagents in different parts of the country. It has established remittance relationship with a number
of exchange companies and banks in Qatar, Kuwait and Saudi Arabia for rendering inward
remittance services.
To spend money in Nepal, the person of the foreign country has to go to the bank, then

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they have to fill the form with the details such as recipients full name and address, phone
number, account number, name of remitted bank etc. after this, when the foreign exchange teller
accepts the remittance in local foreign currency along with a remittance transfer form and the
remitter has to pay some amount for the service.
Then BFL retrieves the transfer information using network password and file specific
password supplied by the bank. After this process, when beneficiary comes to take the money by
showing their ID or citizenship card, the bank has to distribute the remittance less (if any) to the
beneficiary by making them fill form.
2.1.3

Cash Department
This is the most important and weighted department where we and opinions of people

towards the bank were observed by me. Motivating people to open the account was also done by
me, which helped me to increase my convincing power.
I performed marketing of BFL about two hour a day for a week. During this time, I
informed the people about the banking knowledge, importance and benefits of bank, product and
services provided by the bank and the position of the bank. While marketing, I found very
positive feedback about BFL and this made me so energetic and excited to provide the
information and get the customers views towards the banks.

2.2 Problems Solved


Various problems arise in bank and problem should be solved. During my intern period
various problems arose. Tough problems were solved by the respective staffs in the bank.
Problems are inherently come at any stage of the business. Solving such problems need close
supervision of the causes, problem inventory analysis, brainstorming and the teams deliberate
effort to overcome from the problems.
Sometime it takes less time and effort to solve a problem while it takes so long and
required large human resources according to the nature and the characteristics of the problem. As
an intern I have encountered with so many problems during training session. Each and every
problem solving activities helps me to take the valuable knowledge about the way that bank
performs. The key problem solving activities are as follows.
1 Making customer aware about the problems they solved during their work time.
2 Making customer aware about the banking service and facilities to make promotion about the

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bank.
3 I used to solve the queries of people relating to different types of account.
4 I used to solve the problem related to filling the forms and cheque if customers wrongly fill
them.
5 I used to verify the signature if the customers signature do not match.

2.3 INTERNS KEY OBSERVATION


As a key observation of intern, the following things during my internship period:
1 Way of doing task by the employers.
2 Employees way of behaving to the co-workers, senior and juniors.
3 Satisfaction towards job by the employees.
4 Attitudes of the employer.
5 Employees behavior toward the customer, punctuality and discipline.
6 Organizational hierarchy.
7 Two way communication of information.
8 Use of IT in banking transactions.
9 Behaviors of customers.
10 Customers perception towards services provided by the bank.
11 Operation of the ATM machine and photocopy machine.

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CHAPTER III
LESSONS LEARNT AND FEEDBACK

3.1 Key Skills and Attitude Learnt


As an intern I learnt the following skills and attitudes.
3.1.1 Key Skills Learnt
During the period of internship I got opportunity to build various skills, knowledge and
attitude. It has been a wonderful time to build skills and attitude .I learned following skills and
attitude during my internship period:
1 I got the knowledge about how the financial institutions operate.
2 I learnt to fill the different forms (documents) required for the financial transactions in the
bank.
3 I learned the way to deal with different customers in different situation.
4 I develop the level of confidence in me while dealing with various customers.
5 I develop the different skills of marketing and learnt to convince people about my issues.
6 I learned to do work speedily with very few mistake or no mistake.
7 Discipline is the most important skills I learned from internship.
8 I learned how to deal the customer calmly when they are angry.
9 I learned the proper utilization of resources of the bank to minimize cost.

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10 I got knowledge how to do work in team.


11 I understood the value of time, work and hospitality in the bank.
12 I learnt the skill of gathering data and the decision making on time.
13 I learnt the skill of planning the future activities.
14 I learnt the skill of controlling inner or personal feelings.
15 I learnt computing skills to provide service to the customers in the bank.
16 I learnt how to develop and maintain personality.
17 I learnt to operate scanner machine and photocopy machine.

3.1.2. The key attitudes learnt


As an intern I have developed the following attitudes in my behavior.
1 The charming behavior in the bank
2 Responsible for the work done by myself
3 Do right and be positive
4 Make positive appearance
5 Self respect and self motivation
6 Be aware of responsibility
7 Have positive thinking
8 Respect the opinions of the other
9 Uniformity in the performances
10 Accept mistakes
11 Receive suggestions and guidelines positively
12 Maintain personality
13 Make regular appearance
14 Maintain organizational uniform
15 Maintain confidentiality with outsiders
16 Avoided data fabrication
17 Respect and follow organizational culture
18 Follow the organizational hierarchy
19 Sincerity on work and work place.

22

3.2 Feedback to the Organization


BFL is a well-organized and service oriented bank providing full range of service to its
customers within and outside the valley.
1 Bank should provide competitive rate to attract depositors in order to increase the deposit base.
2 Bank need to reduce the waiting time of the customers by providing fast and excellent service
in all of its branches.
3 The training and development programs should be on more regular basis to enhance the
competency and skill level of staff.
4 To facilitate the customers, the bank should finalize their decision about trade finance loans
and others loans at much shorter time.
5 BFL should have fully automatic system as it can reduce cost and time.
6 BFL should establish more ATM services in different locations to meet growing needs of
customers.
7 The bank should come up with more customers-oriented products and services.
8 The bank must provide career development opportunities to the deserving employees.

3.3 Feedback to the College/University


The college can do various things to make student get more knowledge from internship
programs. College should do various mentioned points:
1 Effective knowledge should be provided to the students regarding what is must to be learned
during internship.
2 College must help students to search good institutions to do internship so they can explore
knowledge.
3 New and practical knowledge should be provided by the college.
4 College should help with student while preparing internship report.
5 Presentation is necessary to be conducted regarding what the students learnt during their
internship period.
6 The college administration should maintain the close supervision of performance of the
students and the teacher.

23

BIBLIOGRAPHY
Joshi, Padam Raj (2062 B.S.), Corporate Finance; Kathmandu, Asmita Books Publishers and
Distributors.
Joshi, Padam Raj (2062 B.S.), Principles of Investment; Kathmandu, Asmita Books Publishers
and Distributors.
Pandey, I.M. (1987), Financial Management; New Delhi, Vani Educational Books.
Pant, Govinda Dev and Chaudhary, Arun Kumar (2058 B.S.), Kathmandu, Business Statistics
and Mathematics for Bachelor of Business Studies; Bhundi Puran Prakashan.
Pant, Prem Raj (2001), Fieldwork Assignment and Report Writing, Kathmandu, Buddha
Academic Enterprises Pvt. Ltd.
Pradhan, Rajendra Prasad (2000), A Study on Deposits and its Utilization by Commercial
Bank in Nepal; Kathmandu, An Unpublished Thesis Submitted to Faculty of Management T.U.,
Kirtipur.
www.google.com.np
www.butwalfinance.com
Annual Report of Butwal Finance Ltd.

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