This document provides information about Raj Kumar Bhandari's internship at Nabil Bank Limited in deposit relationship management. Nabil Bank has been operating for 28 years with 48 branches, 78 ATMs, and over 2,300 remittance agents across Nepal. During the internship, Raj assisted with account openings and closings, loan documentation, remittance processing, and other tasks. Key observations included inconsistent teamwork between employees, delays in processing documents, and some customer service issues. Raj learned about banking terms and processes, importance of documentation and updates, and developing a positive customer-facing attitude. Feedback for improvements included enhancing teamwork, communication, and monitoring of interns.

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McGraw Hill/Irwin Copyright © 2009 by The McGraw-Hill Companies, Inc. All rights reserved
INTERNSHIP IN DEPOSIT
RELATION MANAGEMENT
AT NABIL BANK LIMITED
Presented by:
Raj Kumar Bhandari
BBA-BI VII A

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Background of the Organization
 It has successfully completed 28 years of
service since July 12 1984
 Over the years the bank has expanded its
outreach across 72 districts of the country
through a network of 48 branches, 78 ATMs
and 2330 remittance agents
 Nabil Bank is one of the top leading
commercial bank in Nepal

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Contd..
 Mission
“To provide quality and innovative service according to the
needs of the customer and become the 1 st choice provider
of complete financial solution."
 Objectives
 To provide high quality service to its customer
 To provide efficient and innovative services to the
customer
 To generate adequate resources for expansion and
growth
 To ensure optimum development of their human
resources

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Contd..
 Value:
 The values of the bank is summarized in the
word ‘CRISP’
 C= Customer Focused
 R= Result Oriented
 I= Innovative
 S= Synergetic
 P= Professional

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Major Markets and Customers
Basically Nabil Bank deals with customers
under three major sectors:
Tourism
Hydropower
Industrial
World wide services and customers.

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Product and Services
Loan
1. Business Loan
i. Working Capital Loan ii) Fixed Capital Loan
iii) Import Loan iv) Export Loan
v) Project Finance
2. Personal Loan
i) Housing Finance ii) Auto Finance
iii)Education Loan iv) Personal Finance

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Contd…
 Deposits
i. Current ii. Call Deposit iii. Time
Deposit
iv. Normal Savings Deposit v. Nabil Bachat
vi. Nabil Student Saving viii. Nabil Bal
Bachat
 Remittance
 E-Banking
 Trade Finance
 Others

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Financial Structure
 It has the paid up capital Nrs. 2,435,723,000
till mid July 2012
 In 2012, it has loan amount of Nrs.
41,605,683,000 and deposited amount is
55,023,695,000. It has earned through interest
is Nrs. 6, 133, 739, 00 and interest expenses is
Nrs. 3, 155, 490, 000.
 Total investment on the different alternatives
is Nrs. 8334,748,308.

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Organization Performance and Status
Source: Annual report 2012

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Contd..
 Return on Equity and Return on Assets is 31
% and 3% respectively.
 It has CR (Current ratio) of 0.092 times.
 This year EPS is just 69.64%.
 75% amount is provided as a loan of total
deposit (CD)
 They are grateful with their employee
 Nabil has received best Presented Accounts
Awards continuously for the last three years.

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Activities Performed In the Organization
 A/c opening and closing
 Documentation for A/c opening and Closing
 Information providing about the different
scheme of Nabil and about the Nabil mutual
fund as well as distribution of form.
 Documentation for Lending
 Processing for remittance
 Support to my senior to prepare the regular
report

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Contd..
 Assistant for teller
 Communicating from one unit to another
 Photocopy and Scanning for the filing.

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Problems Solved
 Customer Handled story
 Computer operation solution
 Arrangement of filing and stationery
materials.
 Helping for ATMs use

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Intern's Key Observation
 They have individual capacity to treat the
customer proper way but team work
performance was not good.
 Branch has a problem of job assignment
 In DRM pending of document
 employee have more negative comment with
management
 Feeling of uneasy to serve normal customer
 Customers are trouble due to the lack of
branch communication.

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Lesson Learnt
Job Oriented Learning
 Learnt about the interest rate basics of the
bank
 Learnt to open and close A/C in the system
i.e. Finacle
 Learnt to process of lending
 Learnt to process of remittance
 Learnt of different banking terms

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Contd..
 Learnt about the importance of updating the
information provided by NRB and bank.
 Learnt about the importance of hierarchy on
the organization.
 Learnt the importance of different document
of customer for bank.
 Increased the concept of different product and
its features.
 Learnt the functioning way of teller.

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Contd..
Attitude Oriented Learning
 Learnt to work under stress
 Learnt to tackle problem customers
 Lesson to smile and be polite with the
customer at any circumstances.
 Lesson to be calm down while dealing with
customer even they are wrong.

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Feedback to the Organization
 First of all they should continue the all
positive matter having with them such as
learning attitude, proper guidance for intern,
and punctuality of staff.
 Team Leader should encourage for team
work.
 They should follow the proper structure of job
assignment.
 They must complete the task on time to avoid
the pending of document.

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Contd..
 There should be a friendly environment to
avoid the gap between leader and members.
 Employee should improve their moral and
attitude to serve the different customers.
 There should be managed of proper
communication between branches.

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Feedback to College/ University
 College have to held of internship orientation
class earlier.
 Management should provide sufficient time
to prepare the report.
 Regularly monitoring the student during
internship is required.
 University should increase of duration of
internship.
 University require to provide of easily
understandable report format.

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Thank You