To know about the internship project

1. INTERNSHIP REPORT ON
AGRICULTURE DEVELOPMENT BANK LTD (ADBL)
Submitted To
Apex College, Internship Management Team
In the partial fulfillment of requirements for the degree of
BBA in Banking and Insurance (BBA-BI)
Submitted By
Raju Thapa Magar
PU Registration No.: 2014-2-45-0027
PU Exam Roll No.: 15450487
November, 2017
Kathmandu

2. I
DECLARATION
This internship report entitled “Internship Report on Agriculture Development
Bank Limited (ADBL)”, Balaju branch which is submitted by me in partial
fulfillment of the requirement for the purpose of BBA-BI degree program of Pokhara
University comprises only my original work and acknowledgement have been made
to materials used in the report.
Raju Thapa Magar
Apex College
BBA-BI 6th
Semester
November, 2017

3. II
ACKNOWLEDGEMENT
This is a matter of pleasure for me to acknowledge my deep sense of gratitude to
Pokhara University and my college, Apex College for giving me an opportunity to
explore my abilities via this internship programmer.
I would like to express my sincere gratitude to our ACS team members for providing
this opportunity and I also express my gratitude to my internship supervisor branch
manager and staff members Mohan Prasad Oli, Nabaraj Satyal, Sita Khaddka, Rajesh
Thapa, Sarada Rijal and Anju thapa for their valuable guidance and advice in
completing this internship project. I would like to express my sincere thanks to all my
family, friends and relatives for their support and best wishes throughout the
internship durations of this report.
I am thankful to them and grateful towards my college seniors, colleagues and Apex
College of team management ACS for their support, encouragement and valuable
suggestions for the completions of this project.
Sincerely,
Raju Thapa Magar

4. III
ABBREVVIATIONS
ADBL Agriculture Development Bank Limited
BBA-BI BBA in Banking and Insurance
BFIs Bank and Financial Institutions
BOD Board of Director
CMD Currency Management Department
CSD Customer Services Department
ECC Electronic Check Clearance
FMD Financial Management Department
LOLR Lender of Last Resort
PU Pokhara University
T-BILLS Treasury Bills

5. IV
TABLE OF CONTENTS
DECLARATION........................................................................................................................I
ACKNOWLEDGEMENT........................................................................................................ II
ABBREVVIATIONS ..............................................................................................................III
TABLE OF CONTENTS.........................................................................................................IV
EXECUTIVE SUMMARY ......................................................................................................V
CHAPTER I...............................................................................................................................1
INTRODUCTION .................................................................................................................1
1.1 Background of the Organization..................................................................................1
1.2 Goal or Objectives of the Internship............................................................................2
CHAPTER II..............................................................................................................................3
INTERNSHIP EXPERIENCE...............................................................................................3
2.1 Internship Detail...........................................................................................................3
2.2 Internship Activities.....................................................................................................3
2.2.1 Customer Service Department ..............................................................................4
2.2.2 E.C.C Department (Electronic Cheque Clearance)...............................................5
2.2.3 Remittance Department.........................................................................................5
2.2.4 Loan Department ..................................................................................................5
2.3 Internship Achievement...............................................................................................6
2.3.1 Communication Skills:..........................................................................................6
2.3.2 Teamwork Skills:..................................................................................................6
2.3.3 Computer and Technical Skills:............................................................................6
2.3.4 Interpersonal Skills: ..............................................................................................6
2.3.5 Problem Solving Skills: ........................................................................................6
2.3.6 Organizational Skills:............................................................................................7
2.3.7 Self-Confidence: ...................................................................................................7
CHAPTER III ............................................................................................................................8
CONCLUSION AND RECOMMENDATIONS...................................................................8
3.1 Conclusion ...................................................................................................................8
3.2 Recommendation .......................................................................................................10
3.2.1 Recommendation to the Organization.................................................................10
3.2.2 Recommendations to College .............................................................................11
REFERENCES ........................................................................................................................12

6. V
EXECUTIVE SUMMARY
As a partial fulfillment of the requirement for the award of BBA-BI degree of
Pokhara University, this internship report entitled “Internship Report On Agriculture
Development Bank Ltd” has been prepared to develop the practical knowledge about
the work environment in an organization.
In chapter one there is introduction section which includes background of the
organization and goal or objectives of the internship.
In chapter two includes internship experience that was gained throughout the
program, and this section is further classified into internship activities and
achievements to make this more clear and systematic.
In chapter three, overall experience regarding two month long internship program.
And the support of the staffs from the organization had been prominent factor. Finally
this report gives all the information regarding my internship.

7. 1
CHAPTER I
INTRODUCTION
1.1 Background of the Organization
An internship is a professional work experience that provides students, new graduates
and those seeking to a change careers with an opportunity to gain experience in a
particular career field. For resent graduates or individual considering a career change,
an internship is a way to try new job without making a permanent commitment. An
internship provides the opportunity to test the water in a variety of career fields, to
gain” real life experience and a way to decide on or opt out of a certain vacation The
general purpose of internship program is to fulfill the requirement of BBA-BI
program designed by the PU. It has also provided the plat form to apply the
theoretical knowledge that we got in the last four years by exposing own self in real
working environment.
With the main objective of providing institutional credit for enhancing the production
and productivity of the agricultural sector in the country, the Agricultural
Development Bank, Nepal was established in 1968 under the ADBN Act 1967, as
successor to the cooperative Bank. The Land Reform Savings Corporation was
merged with ADBN in 1973. Subsequent amendments to the Act empowered the bank
to extend credit to small farmers under group liability and expand the scope of
financing to promote cottage industries. The amendments also permitted the bank to
engage in commercial banking activities for the mobilization of domestic resources.
Agricultural Development Bank Limited (ADBL) is an autonomous organization
largely owned by Government of Nepal. The bank has been working as a premier
rural credit institution since the last three decades, contributing a more than 67 percent
of institutional credit supply in the country. Hence, rural finance is the principal
operational area of ADBL. Furthermore, the bank has also been involved in
commercial banking operations since 1984.

8. 2
The enactment of Bank and Financial Institution Act (BAFIA) abolished all Acts
related to financial institutions including the ADBN Act, 1967. In line with the
BAFIA, ADBL has been incorporated as a public limited company on July 14, 2005.
1.2 Goal or Objectives of the Internship
Internship program is a career-related work experience conducted as essential part of
the academic program. The general objective of the study are getting exposure to
“real” business projects and problems, development of technical skills and increased
insights regarding organizational work environment thereby enhancing
communication skills as the foundation of professional correspondences and
understanding the general structure of most business situation by acquiring new
information and ideas so as to apply them for the benefit of the organization as well as
for one’s own career development. However the specific objectives of the study are:
 To get familiar with the actual working environment of the organization and to
apply theories learned in real life situations.
 To fulfill the partial requirement of internship program of BBA-BI degree as
offered by PU.
 To developed professional and managerial skills to deal with the real life problems
arising in the organization.
 To get practical experience before joining a job such that no additional training
required upon entering an organization
 To get an idea on identifying career through visits to different organizations and
observation of quality and scope of work associated therein.
 To acquire required skills so that it will serve as a strong support in carrying out
the managerial function in the future.
 To understand the operational activities of ADBL.

9. 3
CHAPTER II
INTERNSHIP EXPERIENCE
2.1 Internship Detail
Name of the company Agriculture Development Bank Limited
Address of the company Balaju, Kathmandu
Phone no of the company 01-4364561/350375
Starting date of internship 13th
Ashad, 2074
Ending date of internship 9th
Bhadra, 2074
Name of the supervisor Mohan Prasad Oli
Designation of the Supervisor Branch Manager
Student’s name Raju Thapa Magar
Student’s mail ID Rajut.magar@apexcollege.edu.np
2.2 Internship Activities
During the internship period in Agriculture Development Bank Ltd, Samakhusi
Branch, I have completed 8th
weeks internship period and has visited various
departments and performs various activities in different section. In this period of two
month, I was assigned task in different section such as CSD (Customer Service
Department), E.C.C (Electronic Cheque Clearance), Remittance, Loan Department
etc. I got opportunity to work in these departments for various weeks and following
activities are performed in different section.

10. 4
S.N Department/section Activities Week
1 CSD(Customer
Service Department)
Photocopying, dealing with customer, account
opening and closing, balance enquires, signature
card scanning and uploading, filling documents,
making cheque and distributing etc.
3
2 E. C.C (Electronic
Cheque Clearance)
Collecting deposit cheque, scanning, uploading,
keeping record of cheque returns, putting stamp
on cheque etc.
2
3 Remittance Faxing, photocopying, pulling out online
remittance paper, filling issued ATM card and
pin code rtc.
2
4 Loan Department Opening new L/C(loan customer) , Calling for
L/C payments, filling documents, filling L/C
forms, data enrtry of new L/C etc.
1
Table-1: Duration of Internship
2.2.1 Customer Service Department
Customer service is one of the distinguishing characteristics that banks can exploit to
establish a competitive edge. Since most banks offer comparable products and
services, they should continually search for a competitive advantage that will attract
new customers and help retain existing ones. Banks are therefore, looking to develop
innovative products and services to maintain superior customer services levels while
at same time remaining profitable. With the number of market players in the rise, the
competition has been obviously growing in the banking industry. The record of the
approved proposals has to be kept for the future use. One copy of the original
proposals was kept in a file as evidence and the other was sent to the respective
branches. For this the internee had to make the photocopy of approved proposals. A

11. 5
lot of the proposals came from different clients. The approved proposals had to be
photocopied and finally internee had to file them on their respective files with
reference of date. The internee has to inform those entire customers who are delay to
pay the interest of their loan to the bank and their due amount with date.
2.2.2 E.C.C Department (Electronic Cheque Clearance)
ECC is the state-of-the-art interbank cheque clearing solution that has replaced the
manual cheque clearing solution in Nepal. It is an image-based, cost-effective, cheque
clearing and settlement solution, where the original paper cheques are transferred to
scanned images in order to be presented electronically through the secured
communication channels from the member in which they are deposited to the member
on which they are drawn resulting in a faster access to funds, lower transportation
expenses and increased cheque trust.
2.2.3 Remittance Department
It is a term of transferring an amount of money through banking channel. The
responsibility of this department is to look the remittance services of the bank. The
ADBL offers inward remittance and outward remittance. There is Inward Remittance
and outward remittance. Remitters who are abroad can transfer money payable from
ADBL through Western Union Money Transfer Services. One can remit money
within Nepal through ADBL REMIT. Bank Transfer Customer can use Swift Code
for bank transfer. The SWIFT Code of bank is ADBLNPKA. (While sending money
through SWIFT, A/c No., Name of beneficiary and branch should be mentioned).
ADBL has been transferring money (Indian Currency) to major cities of India by
issuing draft which is payable either by Standard Chartered Bank or ICICI bank on
the request of the customer.
2.2.4 Loan Department
The main function of this department is to analyze the received documents and
approval the proposals. The committee looks into each and every factor that might
affect the repayment of the loan i.e. whether investing the project will be fruit full or
not.

12. 6
2.3 Internship Achievement
Generally, an internship is a great way to get an inside glimpse of a company, an
industry, and particular occupation. It helps to discover the career whichever is right
or wrong. With more and more people doing internships, employers are coming to
expect to such interns listed on the resumes of potential employees. Thus, internships
often turn into job offers. All the more reason to do an internship is the first
impression you make on who may be a future employer by showing the key skills and
attitudes learnt during the internship program.
2.3.1 Communication Skills: Daily interaction with staffs of bank has increased
the communication skills. It had helped to be good listener and good speaker as will.
It is also proven that one cannot be a good speaker unless s/he is a good listener.
2.3.2 Teamwork Skills: This internship helps the internee to work in team.
Banking requires a great deal of teamwork and integrity within the departments.
During internship period almost all activities performed were based on teamwork
which has developed an efficient team work skills that has helped to solve assigned
task properly and in productive way of working as a team member.
2.3.3 Computer and Technical Skills: During internship, various computer
software and other devices were handled thus enhancing practical skills. This
internship provided opportunities to use banking system.
2.3.4 Interpersonal Skills: Regular interaction with people out there in the bank
inter has enabled to maintain good relationship with others and friendly and
wholesome ties that has further served to develop interpersonal skills.
2.3.5 Problem Solving Skills: Many challenges and problems were faced during
internship at CSD, Remittance and E.C.C department which were solved under the
guidance of the staff and supervisor. It has helped to identify the problems,
understand its reason and its accurate mitigation or solution in right time.

13. 7
2.3.6 Organizational Skills: Working in an organization bounded to work
remaining within organizational culture and behavior which helped to understand the
organization and activities to be performed.
2.3.7 Self-Confidence: A self-confident person is someone who inspire others.it
is not afraid to ask question on topics where they feel they need more knowledge.
This skill of asking question with any hesitation and good communication with
different stakeholders has developed self-confidence.

14. 8
CHAPTER III
CONCLUSION AND RECOMMENDATIONS
3.1 Conclusion
During my two months of internship program it was different experience and
exposure to the real work scenario. I learnt a lot about the banking sector and banking
operations, about ADBL. This report had made to know about various kinds of
information/ service offered to customers by ADBL. This internship period helped me
know how an organization can be different from other through people resources
which are inimitable to gain competitive advantage. In such a work environment,
various activities could be performed that not only helped in building a professional
but hopefully benefited the organization to some extend as well.
This report is based on the internship done in ADBL for the period of eight weeks in
Samakhusi Branch. During the internship period, the area worked on Remittance,
CSD, Loan Department and E.C.C. It was great opportunity for me to have a practical
knowledge of banking activities in a real environment of ADBL.
I got the chance to socialize with people and found that people of ADBL are highly
committed to serve the customers and deal with their issues. At the work
environment, I got an opportunity to observe, how people work in team and how they
put their synergized effort for better outcome. ADBL is constantly attempting to
provide better and quality service to the customers. The behavioral issues are also
critical as they make customer feel satisfied.
Remittance, E.C.C, CSD and Loan Department are one of the crucial part of the
ADBL where I got the chance to gather knowledge how one of the big government
bank which bound almost Nepal in its successful service. At last, I would like to once
again thank ADBL, all the staffs of ADBL for their support, suggestions and
cooperation. As a whole, my internship was interesting, memorable and
knowledgeable.

15. 9
This eight weeks internship is really a chance to socialize with people and found that
people of ADBL are highly committed to serve the customers and deal with their
issues. Just the lacking is the best working environment that is still to create by
ADBL. During this internship I got opportunity to observe, how people work in team
and how they put their synergized effort for better outcome. ADBL is constantly
attempting to provide better and quality service to the customer. But there is still long
painstaking way to conquer to restore the stand they achieved few years ago as severe
cut throat competition is going in this sector.
I got the chance to gather knowledge how one commercial bank with its successful
history and scrambling to bound Neplese markets. There was no such uncomfortable
situation during the internship program. To be more precise, the working environment
at ADBL was very congenial and the staffs were very supportive. So, it was much
easier for the internee to gain the knowledge and information of the department.
During internship the internee have learnt a lot of other aspects other than the banking
such as to socialize with the people (including staffs), to deal with the senior staffs,
and to deal with the intern colleague so as to make the working environment cozier
and friendlier. This internship program also helps in learning the behavioral issues
which are most important within and outside the organization.
Lastly, ADBL is excellent in term of their services. ADBL is one of the most
promising banks today and have an opportunity to increases their market share by
improving their customer satisfaction by overcoming their weakness and doing their
best to retain quality services.

16. 10
3.2 Recommendation
Work as an internee at banking sector was truly an amazing experience. During the
internship, the internee got a great opportunity to learn about so many things that have
practical implication in career building. There are two things for recommendation to
the organization and college.
3.2.1 Recommendation to the Organization
By working as an intern at Agriculture Development Bank Ltd (ADBL) and
observing its working environment and procedures some areas of improvement has
been identified. Therefore, the following measures are recommended to the bank for
enhancing its performance:-
 Customer satisfaction is the most important thing in any organization. But it was
seen that some of the customers of the bank were not satisfied by the time taken to
render service. Thus taking this into consideration ADBL should focus more on
providing quick and satisfactory services to the customers.
 ADBL should increase the number of ATM machines both within and outside the
valley so as to attract more customers towards the bank.
 There is large number of over staffing in ADBL so it should downsize lots of staff
and in ADBL there is lack of younger employees also.
 Adopting efficient marketing strategies to encourage more of the customers will
help ADBL to successfully compete with other banks.
 Though at present ADBL is providing training programs to its employees at a
certain level, it should organize such programs on a regular basis so as to enhance
the skill and competency of staff.
 It was also seen that the customers had to wait for a longer period of time in the
cash counters due to limited counters with which the customers were dissatisfied.
Therefore, ADBL should also try to increase the number of cash counters to
minimize the waiting time of the customers.

17. 11
3.2.2 Recommendations to College
Internship is defined as learning proper supervision of the intern is essential. Ongoing
supervision of the intern is key’s to the success of the internship program.
The college and university both institutions have provided us an opportunity to gain
some practical knowledge on what we are learning in our class rooms. Theory unless
made behavior have no use. Thus, this internship program offered by college and
university in fact has been proven to be the first milestone in professional career.
The internship program is to be conducted by the students as per the requirement of
the university. It is also a responsibility of the college to provide good and practical
opportunities to the students to impart the real world situations. There are some
recommendations to the college, which are:.
 Proper inspection of intern students should be made by college in proper time and
in regular manner during the tenure of internship.
 College should send the supervision to the organization before, after and during
the internship program.
 The interaction class must be provided by college at every weekend.
 During the internship program of the students, the college should visit the
respective organizations so as to know the performance of the intern.
 Due to oversupply of the students it is very difficult to find the organization to do
internship. So college also searches some institution for internship.
 College should be in touch with the organization where students did there
internship so that the college can get timely feedback about the intern.
 College should also focus to the problem faced by intern student while doing
internship.

18. 12
REFERENCES
Agriculture Development Bank. (2014/2015). Monetary Policy. Kathmandu.
Nepal Rasta Bank. (2013/2014). Monetary Policy. Kathmandu, Baluwatar.
Ram Chandra Kafle. (2014). Internship report on ADBL. Kathmandu, Samakhusi.