CHAPTER I

INTRODUCTION

1.1 Background of the Study:-

An internship is a study program for the students which are carried out in an organization to
meet the requirement of the study in colleges or universities. This report is submitted to fulfill
the requirements for the completion of the degree of “Bachelor of Business Management in
Banking and Insurance (BBM)” under faculty of management, Tribhuwan University. BBM
is a four year undergraduate program in which emphasizes on managerial skill required for
the middle level manager. Apart from management and its allied courses, BBM gives thrust
on information technology also.

Interns are usually college or university students to gain various skills, knowledge and
learning experiences on different aspect of organization’s environment. Internship also helps
students to know how different activities in the organization are coordinated so that the
synergistic effects are achieved and how communication takes place in corporate world.
Students are involved as non-paid authentic employees receiving academic credits for work
experiences. This will support the students to acquire social, technical and communications
skills to work effectively in industry. Today, many organizations are cooperating with the
educational institutions to provide the internship service with the specific benefits to their
students.

An internship provides the student with a greater understanding of organization’s work

environment with educational qualifications. Hence in this frenetic financial environment, the
roles of commercial banks are unavoidable. The report focuses on over all banking activities
concerned with its major functioning departments of Nepal Bank Limited.

Through internship an individual can explore the working process of an organization being a
part of the actual working environment. Here every students receives practical knowledge
through observation and develops academic credit for the work experiences as well. An
internship will help the individual to expose to the interpersonal relationship, which is the
demand of every job, both with the boss, co-workers, supervisors and the other lower level

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staff members who are the first basic things for a bank to obtain successful and contented
career. It assists the students to identify potentiality and area of interest. Internship is the
necessary medium for enabling employers to persist students to work in up to date
competitive business environment. Internship is seen as the major way to enhance and
support the internee’s banking careers well.

As we know that, an internship is the way of learning managerial activities by practically

doing it, therefore it provides an opportunity for learning as well as developing the
managerial skills. It gives a direction and provides ideologies for the practical problems.
Every single activity that takes places daily is simultaneously observed and analyzed. Any
usual problems and the underlying causes or drawbacks are closely monitored, understood
.The potential solutions can be determined that certainly enhances the effectiveness and the
strength, minimizes the weaknesses that helps to maximize the profit and the growth rate.

An internship acts as a medium that enables an individual’s to work in group, manage work
pressure and analyze the lessons learnt in class and on the field. It can be remarkable way of
determining if the industry and the banking career is best suited or not for him or her. It
makes an individual more concerned about the options and opportunities one can get both
physically and mentally. A successful internship student has developed characteristics, which
are the essentials of the Modern commercial world. This whole internship process enables a
student to experience and gives exposure to the working pressure that a internee is likely to
face in the future by making them familiar with the corporate cultures and also by
understanding the primitive knowledge of the business settings of the international standards.
It also helps to develop the professional working habits and creates a platform to create
differences in the work style. Thus, it makes the internee’s mind pre-prepared to pursue the
career in the banking field in the future.

Tribhuwan University offers a course for the BBM faculty, which is the best way to learn and
gain the knowledge regarding the corporate environment and culture. This way any individual
can obtain the maximum knowledge from a business world. They have the right to learn and
make the things more transparent. This internship was carried on in the branch office of the
Nepal Bank Limited at Bhairahawa. The internship program was for six weeks, from the 13th
Ashwin 2077 to 12th Mangsir 2077

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Objectives:-

During the internship period, the main aim is to gain and explain about the knowledge
experienced during the banking operations through observation, interaction. Likewise, the
other specific objectives are as follows:

a) To have a work experience on the bank.

b) To be familiar with the principles, manuals, provision, guidelines, regulations of the
operational activities.
c) To perceive broader knowledge by involving own self in the situation and work
environment.
d) To observe the policies and the regulations in the financial sector.

1.2 Methodology

Methodology is the description of the procedure followed while collecting the necessary data
and information needed for research work and report preparation. Various data were collected
by observation, making inquiries with concerned staffs, quantitative data collected from the
past records. The following methodologies are used in this study.

1.3 Sources of Data

For the information of the various departments, personal interviews were taken and inquiries
were made. Information was collected by observation and formal group discussions with
every related member of the organization. Regular communication and consults were made
with the staffs and the costumers for the reliability of the data. The books, magazines,
newspapers, journals and the past records obtained all the formal and the quantitative data.
There were formal group discussions, observation, personal inquiries as the source of the
primary data, and for other secondary data past records were referred. Consulting with the
staff members and costumers were the other source of reliable information. Data was
collected by various means and mediums such as direct interviewing, enquiring with the
staffs. The previous bank records were referred for the relative data and information.

 Information were collection from the official website www.NBL.com.np

 Different books of journals and magazines, newspapers, bank profiles, regular
manuals of the departments, annual reports were gathered for the preparation of the
report.

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  Information gathered from the related staff members were thoroughly studied and
hence recorded for creating better understandings with the bank and the banking
transactions.

1.4 Selection of the Organization

I choose bank as organization for internship with regarding bank as one of the service
industry where I can gain various knowledge about general management concepts. With the
aim of implementing my knowledge that I gained in college by doing internship in the
organization that is related to management field, I chose NBL as organization for internship
program. Due to the support of my college I was able to join Nepal Bank Limited for
internship.

1.5 Duration

The duration of the prolonged internship was of 6 weeks, started from the 13th Ashwin 2077
to 12th Mangsir 2077. In the course of the internship period, the intern worked on the different
departments, performed activities.

1.6 Activities

During the entire internship period of eight weeks, the intern had a time to visit the Customer
Service Department. The activities performed on this departments are given below in table.

S. No. Department Activities performed

1 Customer service department Preparing balance certificate, opening and

closing accounts, cheque printing, statement
printing, handling telephones

1.7 Limitation

There are several limitations that hindered the proper analysis of this study. These are:

 Difficult in analyzing the information obtained from respondent due to the qualitative
nature of information.
 Another limitation to this study is the lack of statistical data. Report is mainly based
on the secondary data.
 The experience obtained is limited.

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  The deep comprehensive analysis and study couldn’t be done due to time constraints.
 Time limitation and busy schedule of the staffs also prevented internee from learning
time to time.

1.8 Introduction of Banking Industry

1.8.1 Meaning of Bank

A bank is a type of financial institutions that are established under a certain act to perform
monetary and credit transactions. The bank accepts the deposits in the form of capital and
collateral, formulates, and implements monetary and foreign exchange policy to maintain
price and balance payment stability for a sustainable development of the country. It provides
necessary liquidity for promoting the stability of the financial sector. It raises funds by
collecting deposits from business and consumers through saving sits, time deposits. Besides
this, it gives facilities to business like giving loans to business, housing, saving deposited
money, buying and selling of bonds etc.

It also helps to develop a safe, sound, and efficient payment system. Bank helps in making
regulations, inspection, supervision, and maintaining the sound development of the banking
system.

According to the American Law bank has been defined as “Any Kind of institution offering
deposit subject to withdrawal on demand and making loans of a commercial or business
nature is a Bank"

1.8.2 Origin of Bank

Actually, the word “Bank” has been originated from the Latin word “bancus”; Italian word
“Banca” and a French word banque; which all refers to the Bench. Jews, the early bankers, in
Lombardy, used to transact their business at benches in the market place. In the history of
origin of banking in the world, “The Bank of Venice”, was the first, which was originated in
Venice of Italy in the year 1157 A.D. In addition, the first central bank which was established
in 1844 A.D. was “The Bank of England”.

Bank is a financial intermediary accepting deposits and granting loans and also offers the
variety of services like conversion foreign currency into domestic currency and vice versa,
lending money, saving deposits etc. Even if we look at the past, banking concept is found. In
the ancient period, this concept existed, when goldsmiths and the rich people used to give
money to the common people against the promise of safekeeping their valuable items on the

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presentation of the receipt, the depositors would get back their gold and valuables of the
paying a small amount for safekeeping and saving.

1.8.3 Modern Banking

Merchants, Goldsmiths, moneylenders are known as the ancient bankers. Development of

modern banking in the 15th, 16th and 17th centuries gradually shifted the Centre of the world
commerce from the Mediterranean region towards Europe and the British isles, where
banking became a leading industry. During third initial phase of modern banking
development Industrial Revolution was developed, which demanded a well-developed
financial system. Modern banking was developed to provide new methods of making
payments and credit available, which were required as economy of various countries adopted
mass production.

Now bank has become a known place for every people and it also offers wide variety of
services than before.

1.8.4 Functions Offered by Bank

There are various functions provided by the bank. They are as follows:

Deposit function

Accepting deposits is the primary function of the bank. The most important fund of the banks
is deposits. Without deposits, it would be difficult for the bank to invest high return sectors.
The main objective of the bank is to collect deposits in as lowest cost of fund possible. If the
bank is able to collect deposits at the lowest cost it leads the bank to earn a huge amount of
fortune.

Providing loans

This is the other function of a bank. It provides loan to a customer, company or institution.
Bank is able to gain benefit by giving loans and charging them with some amount of interest
rate to a customer as per the law and banking policies, terms and conditions. It provides loans
by accepting the security of a debtor.

Credit function

Bank provides credit to the deficit customers such as hire purchase loan, real estate loan,
leasing of the fixed assets, working capital loan and other long term loans. The interest rate

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charged to the loan amount and the interest provided to the depositor’s difference leads to the
profit of the bank.

Payment function

The bank provides various payment facilities to the costumers to make the economy efficient
and effective. If the payment facilities were not developed it would be difficult for the
costumers to transfer the money from one place to another. Some of the payment instrument
is as cheques, bank overdraft, online various banks also provide payments.

Trust function

The most important function of the modern bank is to maintain credibility towards the
depositors as well as towards investors. If the bank fails to maintain the credibility, it
becomes difficult for the bank to attract depositors as well as investors to purchase their
security.

Investment function

Bank uses the surplus amount of money at the profitable area where the return on investments
is high. Bank also invests a huge amount of money in government securities and bonds, as it
is a 0% risk free investment.

Cash management function

It is necessary for the bank to manage the cash collection and cash disbursement to retain its
position in the markets well as credibility. If the cash management leads to deficit rather than
surplus it would be difficult for the bank to manage its environment effectively.

Insurance function

Another important function the modern banks play is insurance function. Bank provides loans
and advances to various sectors as a result of the assets or the loan amount should be insured
and various collateral must also b taken under bank’ eye.

Underwriting function

It is necessary for each bank to issue public shares in the marketplace. Banks has the right to
under right the various securities such as common stock, preferred stock, or debentures. It is
necessary that legal bank be listed in the stock market o that the interested investors can
invest a huge amount of money in the bank by purchasing various securities.

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Brokerage function

A modern bank also plays an important role as a broker for the necessary clients. Banks earns
a non-operating income acting as a broker. as a broker banks helps the client to purchase and
sale various securities of the banks as well of different banks. Banks may charge some
percentage of commission or may even some amount of rupees with difference between the
selling and purchasing price.

1.8.5 Role of Bank

The various roles played by the banks are as follows:

 Intermediation Role
It transforms saving received primarily from households into credit (loans) for
business firms and others in order to make investments in new building, equipment’s,
and other goods.
 Payment Role
It carries out payments for goods and services on behalf of their customers such as
issuing cheques, wiring funds, providing a conduit for electronic payment and
dispensing currency and coins.
 Guarantor Role
Bank Stands behind their costumer to pay off costumers debts when those customers
are unable to pay such an issuing letter of credit.
 Agency Role
Bank acts as an agency on behalf of the costumer to manage and protect their property
or issue and redeem their securities usually providing through the bank trust
department.
 Policy Role
It also serves as a conduit for the government policy in attempting to regulate the
growth of the economy and pursue social goals.

1.8.6 Meaning of Commercial Bank

Commercial Bank is the major sector for upgrading country economy. It is the oldest form of
the bank. It is defined as "A commercial Bank is the one which exchanges money, accepts
deposits, grant loans and performs commercial function and which is not a bank meant for
cooperative, agriculture, industries or for such purpose" according to the commercial Bank

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Act.

In general, bank that performs all kinds of banking business and generally finances trade and
commerce is called commercial bank. Commercial banks are financial intermediaries that
accept deposits from the members of the public who do not have intermediates use foe funds
(savers) and lending such funds to those requiring funds for investment (borrowers). It also
transfers fund from one costumer to another and provides other services such as offering
advice on a wide range of matters relating to finance.

The main aim of the commercial bank is to earn profit like any other business entity. It lends
a certain percentage of the cash lying in deposits on higher interest rate than it pays on such
deposits. The difference on interest on deposit received and loans advanced are the main
source of its income. Thus, commercial banks are merely a business firm engaged in financial
intermediation as well as perform additional functions under strict supervision and control of
the central bank.

1.8.7 Functions of Commercial Bank

a) To accept deposits
b) To provide loan and advances
c) To provide general utility functions
d) To provide overseas trading services
e) To provide information and other services
f) To provide investment facilities
g) To provide remittance facilities

1.8.8 History and Development of commercial banks in Nepal

At the early stage, zamindars were known as banks, the focus was more on lending money
against securities like land and ornaments, which could be redeemed if the loan wad
defaulted. Tejarath Adda, established in 1933B.S at the time of Prime Minister Ranoddip
Singh, is taken as the first step for the development of institutional banking system.

Nepal Bank Limited Came in Nepal as the first ever-commercial bank of Nepal. The
government incorporated Nepal Rastra Bank (central Bank) along with Rastra Banijya Bank
and Agricultural Development Banking 2024 B.S. FDI in the banking sector, through joint
venture banks, the first being Nepal Arab Bank Limited now NABIL Bank. Nepal Bank
Limited was established on 30 Kartik 1994 B.S., the first bank of Nepal. Banking terms

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started in two senses, with its establishment. It conducts dual function of both commercial
and central bank. In order to allow Nepal Bank Limited to concentrate on commercial
features, on 14 Baishakh 2013 B.S., Nepal Rastra Bank was set up under Nepal Rastra Bank
at 2012 B.S. as the central bank of Nepal. This act has been repealed and Nepal Rastra Bank
act 2058 has been in an act by the parliament. It is regarded as the apex body of the monetary
and the banking structure. Rastriya Banijya bank was set up as the fully government owned
commercial bank in 2022 B.S. with its establishment banking services spread to both urban
and rural areas. Agricultural development bank was established in 2024 B.S. for the
upliftment of the agricultural sector.

Government formulated liberal economic policy to accelerate countries growth and

development. Government encouraged foreign investment and participation of private sector
in the banking sector. The government then applied the policy of “Joint Venture Banking”.
This was a great significant event. Healthy competition prevailed and people were offered
valuable services and national as a whole begun to take benefit.

Commercial banks should operate under the Commercial Bank Act 2031, Nepal Rastra Bank
Act 2058. Company Act 2053 and Contract Act 2056. Nepal Arab Bank Limited (NABIL) is
the first bank established in joint investment in Nepal in 2041 B.S. A year later Nepal
Indosuez Bank Limited currently renamed as Nepal Investment Bank Limited was set up,
with passage of time several other joint venture and private bank has been established.

After the restoration of democracy in Nepal, there has been tremendous development in
banking sector. Rural development banks are formed for all development banks under the
control and supervision of Nepal Rastra Bank.

These banks includes

a) Eastern Rural Development Bank

b) Central Rural Development Bank
c) Western Rural Development Bank
d) Mid-western Rural Development Bank
e) Far-western Rural Development Bank

Nepal Industrial Development Corporation (NIDC) and Agricultural Development Bank

(ADB) were only two development banks to be established before the enactment of Nepal
Development Bank Act 2052 B.S. After the introduction of Nepal Development Act 2052

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B.S., many development banks were set up. Nowadays it has also been one of the attractive
places for employment, investors etc.

1.9 Introduction of Nepal Bank Limited

1.9.1 History

Nepal Bank Limited, The first bank of Nepal was established in November 15, 1937 A.D
(Kartik, 30, 1994). It was formed under the principle of Joint venture (Joint venture between
govt. & general public). NBL's authorized capital was Rs. 10 million & issued capital Rs. 2.5
million of which paid-up capital was Rs. 842 thousand with 10 shareholders. The bank has
been providing banking through its branch offices in the different geographical locations of
the country. 

The history of Nepal Bank ltd is very old. It is the first bank of Nepal. His Majesty King
Tribhuwan inaugurated Nepal Bank Limited on Kartik 30,1994 Bikram Sambat. This marked
the beginning of an era of formal banking in Nepal. Until then all monetary tractions were
carried out by private dealers and trading center. 

Then Prime Minister Maharaja Juddha Shumsher J.B.R. speaking on the occasion with the
kind permission of His Majesty the King stated this work which is being done in the larger
interest of the nation is a great moment for me. Until today a bank could not be opened in
Nepal. Therefore this bank, which is being established under the name of Nepal Bank
Limited to fill that, need and to be inaugurated by His Majesty the King, is a moment of great
joy and happiness. 

The Bank's objectives to render service to the people whether rich or poor and to contribute
to the nation's development will also need the support and best wishes of all, which I am
confident, will be coming. In that era, very few understood or had confidence in this new
concept of formal banking. Rising equity shares were not easy and mobilization of deposits
even more difficult. This was evident when the bank floated equity shares worth NRs.
2,500,000, but was successful only in raising NRs. 842,000.

The total deposits for the first year was NRs. 17,02,025 where current deposits was about
NRs. 12,98,898 fixed was about NRs. 3,88,964 and saving was NRs. 14,163. Loan disbursed
and outstanding at the end of the first year was NRs. 1,985,000. 

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From the very conception and its creation, Nepal Bank Ltd, was as joint venture between the
government and the private sector. Out of 2500 equity shares of NRs. 100 face value, 40%
was subscribed by the government and the balanced i.e. 60% was offered for the sale to
private sector. There were only 10 shareholders when the bank first started. 

1.9.2 Introduction

Nepal Bank Limited, The first bank of Nepal was established in November 15, 1937 A.D
(Kartik, 30, 1994). It was formed under the principle of Joint venture (Joint venture between
govt. & general public). NBL's authorized capital was Rs. 10 million & issued capital Rs. 2.5
million of which paid-up capital was Rs. 842 thousand with 10 shareholders. The bank has
been providing banking through its branch offices in the different geographical locations of
the country.

Network for inclusion: Use bank's network to increase its reach all over the country from
urban areas to rural areas and help in improving the lifestyle of rural population and in turn
become the bank of choice of corporate, medium businesses and rural market.

Enhancing the value: To employees, shareholders, government and customers

World class banking services: Provide world class banking services by achieving excellence
in customer service and adopting high level technology standards. 
Segmented business approach: For risk management and enhancement of efficiency.

Partnership: With all stakeholders including the Government, employees, shareholders and
customer.

Innovation: Of business areas and processes for providing Advanced banking services, and
enhance competitiveness.

Responsiveness: responding to the changing need of the market/society/business on timely

basis.

Integrity: Uphold trustworthiness and business ethics in the business processs.

Total banking solutions: To cater the need of all sections of society.

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1.9.3 Shareholding Composition

S.N Ownership Percent

1 Government of Nepal 38.60

2 General Public 61.40

Total 100

1.9.4 NBL Network Overview

Region wise branches No of Branches

Kathmandu Region 28

Biratnagar Region 28

Birgunj Region 19

Pokhara Region 21

Nepalgunj Region 16

Total no of Branches* 118

1.9.5 Objectives

Nepal Bank Limited has the following objectives.

 Focus on building the positive net worth and meeting minimum capital requirement
over the coming five years.
 Focus on increasing the customer base and market share.
 Maximize the potential/efficiency of bank's staff.
 Focus on minimizing the risk associated with the business.
 Focus on providing the world class business solutions.
 Focus on increasing the sustainable profit.

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1.9.6 Vision
“Pioneer bank with complete banking solution” Nepal Bank Limited holds of a vision to
become a leading bank of the country by providing premium products and services to the
customers. It ensures attractive and substantial returns to the stakeholders of the Bank.
1.9.7 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 a sound institution where depositors
continue to have faith in the security of their funds 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; employees are paid adequate compensation
with professional career growth opportunities and stockholders receive satisfactory return for
their investment.

1.9.8 SWOT Analysis

SWOT analysis of the bank is to evaluate the Strength Weakness Opportunities and Threats
involved in its business operation and identifying the internal and external factors that are
favorable and unfavorable to achieve bank’s objectives. Further major weakness of the bank
where bank has to work on for the improvement to increase the operational efficiency and
hence increase profitability has also been analyzed.

Strength:

 Government ownership
 Large branch networks
 Government transactions
 Physical resources
 Composition of deposits

Weakness:

 Over staffing
 Weak automation
 Work culture
 Low brand recognition
 Low staff morale

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Opportunities:

The opportunities in the bank’s SWOT analysis is considered to the area where the bank has
room for growth or could take advantage of opportunities in the market place.

 Possibility to capture growing remittance business

 Growing banking business
 Banking deregulation

Threats:

 Harsh action by NRB

 Recession
 High competition
 Trade unions
 Political instability

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 CHAPTER II

REPORT ABOUT INTERNSHIP EXPERIENCE

As prescribed by the faculty of management, the duration of internship has been 8 weeks.
Most of the time internship period has been spent in loan and customer service department
and also have been placed in pension and remittance department.

2.1 Activities Performed in the Organization

2.1.1 Customer Service Department

For any banks are valuable assets keeping this in mind, NBL tries to give best to its
customers. This department is the sensitive part of a bank as it interacts directly with the
customers. People come for various enquiries about banks, its new services. Thus it should be
efficient, clean and effectively handled by the employees of the bank. This department creates
an impression of the bank towards its customers, better services, they will come for the
services again and we are a part of the bank. Here the internee carried out the following
activities:-

a) Counseling the customers

b) Interacting and communicating with existing and new clients
c) Opening of new account for the new clients
d) Making of cheque book and issue of cheque book to existing and new clients.
e) Printing of financial statement for clients
f) Scanning of account holders photos and signatures
g) Checking account holders customer balance
h) Checking account holders photos signatures
i) Handling telephones and use photocopy machine for customers’ ease.

Analysis of the Activities in Customer Service Department:

Customer counseling

As we know that a bank performs well when their customers are satisfied. So, in this
department an internee tries provided by the bank to its new and existing customers. They try
to solve enquiries, questions and doubts the customers are having.

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Account opening

There are various kind of account opening facilities given by the bank like, saving a/c ,
current a/c , Mahila bachat khata, Sajilo bachat khata, fixed saving, diamond saving, Nepal
Laxmi bachat etc.

Here, an internee helps the customer by explaining about the types of services they need like
various types of service they need like various types of account opening facility, advantage
behind the particulars account, fill up their forms who are unable to do so.

Statement printing and issuance

Statement includes the information like day to day transaction amount, balance, interest
charge etc. it is free of cost. It is a frequent and regular activity done in the bank with the help
of software given by the authority. Statement issuing is done in the concerned bank only
where an account holder has opened an account. For that customer should provide their
related account number.

Balance checking, scanning and photocopy

An internee was also allowed to check the balance asked by the customer under the
supervisor’s authority. An internee also learned to scan the forms before keeping the records
of new account holder or filing them along with some other important documents. Similarly,
photo copy was to be done frequently in the department, to provide ease to the customer.
Internee also learned how to contact with the customers through telephone.

2.2 Problem Faced During Internship

While carrying out the task assigned by the supervisor, the internee faced different types of
problems. They are as follows:

a) Some of the customer disagrees to accept the charges for account closing and make
argument on this matter for long time. So, it becomes difficult to convince them about
the bank’s charges.
b) Though the instructions and required documents are clearly explained in the account
opening form, even then customers ask those for time to time and reasons for extra
documents that are already sated in back side of the form. So, it is tough to give them
each and every guideline on filling different types of form as well.
c) The accountholder’s relation asks for the cheque book without bringing the letter of

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 authority and citizenship with accountholder’s valid signature and account number.
d) When the customers lost their cheque book and request for new one, in this case it is
difficult to find out all the used and unused cheque, valid signature and account
number from their record on the computer carefully.
e) Failure to remember the reference number on the remittance services such as Money
gram or Express money or Cash instant as the customer presented the form of
different reference number.
f) Sometime customer came to take the money but bank unable to give the payment due
delay of information in the bank website.
g) Quite confusion in inward and outward clearing bills while keeping the record in the
computer.

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 CHAPTER III

SUMMARY, CONCLUSION AND RECOMMENDATION

3.1 Summary

Internship done under the requirement of TU to complete BBM has been proved as an
effective way of studying. It helps to get broader knowledge about the working as well as
banking environment .This report is based on the banking operation of Nepal Bank .Internee
selected this particular bank as it is one among many reputed Organization. As we know that
bank is place where financial activities are carried out. NBL was established in November
1937. It offers various services like remittance, loan, deposit products etc. The main thing
was that interne was able to learn about the various activities carried out in different
department. In remittance department internee learned to make demand drafts , balance
certificates .In clearing department internee learned about dealing with customers,
counseling them, balance checking , statement printing and so on .During these period of
internship many problems were faced by the internship and they were also solved . Thus
internee now can really understand about the banking scenario in general.

3.2 Conclusion

Nepal Bank limited culture is built on a set of core values: client focus, teamwork,
meritocracy, ethic & integrity, pioneering. The company is committed to its clients' best
interests as well as preserving a good relationship by defining realistic objectives.

Since the establishment of Nepal Bank Limited, it has aimed to become the leading bank of
Nepal by that provides outstanding services to its customers.

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 of the economy.

Furthermore, as the bank is growing, new and more energetic employees are entering which
is sure to invigorate the performance of the bank.

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

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introducing new ones to the industry.

3.3 Recommendations

 NBL should concentrate on better logistics like better maintenance of printer, good
paper quality for cheques, good UPS and the like.
 Information should be timely conveyed to customers regarding any change in
regulations.
 Training needs to be provided to employees regarding use of the system and computer
skills also needs to be brushed upon.
 Try to do better in giving services like instant ATM cards, etc. It will be better if the
bank follows new network that will also be used outside the country.
 The good communication flow between bottom to top as well as top to bottom level,
staffs etc.
 New products are necessary as there is growing competitive market.
 More number of computers are needed in the customer service department so that
there will be no rush inside the department
 Sometimes refreshment programs for the employees can be carried out to motivate the
employees.
 The provision of job rotation has to be made to make the employees familiar with the
works and to make the work done if anyone is absent.

Nepal Bank has been giving its best services toward its customers .It always thinks of new
and better way of serving its customers. Its hard work and banking facilities has able the bank
to survive as one of the leading banks of the nation despite of rapid increase of number of
banks and tough competition in the Nepalese banking environment.

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 BIBLIOGRAPHY

Annual report of Nepal Bank Limited

Shrestha, M.K. &Bhandari, B.D (2008).Financial Markets and Institutions

Kathmandu, Asmita Publication

Nepal Bank Limited. Available <http://www.nbl.com.np//

Website: Available <http://www.google.com// [online]

Website: Available <http://www.wikipedia.com// [online]

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