Internship of 6 to 8 weeks is a part of curriculum of BBA/BBA-Bi affiliated with Pokhara University. After the completion of internship, one has to prepare and submit the report.
Summer Internship Report Project - NIC ASIA BANK Nepal by Neeraj Bhandari (Su...Neeraj Bhandari
The document is an internship report submitted by Neeraj Bhandari to fulfill requirements for their MBA program. It provides details of Neeraj's internship at NIC Asia Bank in Surkhet, Nepal. The report includes an introduction to banking in Nepal, an overview of NIC Asia Bank, and an analysis of activities in the bank's Customer Service Department where Neeraj was placed. The report aims to relate Neeraj's academic knowledge to practical experience in banking.
This document provides an overview of Nepal Rastra Bank (NRB), the central bank of Nepal. It was established in 1956 and has the vision to be a modern, dynamic, credible and effective central bank. NRB oversees monetary policy, foreign exchange rates, and the country's banking system. It regulates all banks and financial institutions in Nepal. The document outlines NRB's organizational structure, functions, financial reports, and major customers which include the Government of Nepal, banks and financial institutions, corporations, and investors. It also provides a history of banking in Nepal and lists the current 31 commercial banks and over 200 other financial institutions that NRB supervises.
This is the slightly modified version of the report submitted by me to the college in partial fulfillment of the requirement of Bachelor in Business Administration course. I had submitted the same final report to Jenu mam of Mega bank as well. I tried to be as original as possible while writing this report. I want to acknowledge everyone from whom I knowingly or unknowingly burrowed ideas and images.
This report summarizes M.A. Matin's internship at Pubali Bank Ltd's Principal Branch in Dhaka, Bangladesh. It provides an overview of Pubali Bank's vision, organizational structure, and the general banking, loans, and advances departments. As part of the internship, Matin assisted with account openings, check processing, local remittances like telegraphic transfers and demand drafts, loan applications and disbursements, and customer service. The report also identifies some challenges faced by the bank and provides recommendations to address them.
This document is an internship report submitted by Mirza Muhammad Naseer to the University of Management Sciences & Information Technology after completing a 6-week internship at Habib Bank Limited's Panjera branch in Azad Kashmir. The report provides an overview of HBL, including its establishment, values, goals, and the functions performed at its branches. It also analyzes HBL's organizational structure, products/services, and financial performance. The document aims to provide students and laypeople with information and insights about HBL's banking operations and role in Pakistan's economy.
This document provides information about Asmita Gotame's internship report at NIC Asia Bank Limited. It includes a declaration, certificate from her supervisor, and acknowledgements. The report was submitted in partial fulfillment of the requirements for a Bachelor's degree in Business Management from Tribhuvan University. During her internship, Asmita gained experience working in the bank's Customer Service Department, where she assisted customers and learned about the bank's operations and services.
Internship Report on United Commercial Bank Ltd.Azas Shahrier
A complete in-depth analysis of background check, history, organization structure, culture, products & features on United Commercial Bank of Bangladesh with twelve weekly journals of regular coursework and activities.
This document is an internship report submitted by Mohammad Shorab Hossain to his professor S.M. Arifuzzaman detailing his internship experience at Southeast Bank Limited's Sat Masjid branch. The report includes an introduction, history and overview of Southeast Bank, and description of general banking activities at the branch. It provides information on account opening procedures, types of deposit and savings schemes offered, and necessary documents required to open different types of accounts like individual, joint, partnership, company accounts. The report aims to share the knowledge gained during the internship period about banking operations and activities at Southeast Bank Limited.
Summer Internship Report Project - NIC ASIA BANK Nepal by Neeraj Bhandari (Su...Neeraj Bhandari
The document is an internship report submitted by Neeraj Bhandari to fulfill requirements for their MBA program. It provides details of Neeraj's internship at NIC Asia Bank in Surkhet, Nepal. The report includes an introduction to banking in Nepal, an overview of NIC Asia Bank, and an analysis of activities in the bank's Customer Service Department where Neeraj was placed. The report aims to relate Neeraj's academic knowledge to practical experience in banking.
This document provides an overview of Nepal Rastra Bank (NRB), the central bank of Nepal. It was established in 1956 and has the vision to be a modern, dynamic, credible and effective central bank. NRB oversees monetary policy, foreign exchange rates, and the country's banking system. It regulates all banks and financial institutions in Nepal. The document outlines NRB's organizational structure, functions, financial reports, and major customers which include the Government of Nepal, banks and financial institutions, corporations, and investors. It also provides a history of banking in Nepal and lists the current 31 commercial banks and over 200 other financial institutions that NRB supervises.
This is the slightly modified version of the report submitted by me to the college in partial fulfillment of the requirement of Bachelor in Business Administration course. I had submitted the same final report to Jenu mam of Mega bank as well. I tried to be as original as possible while writing this report. I want to acknowledge everyone from whom I knowingly or unknowingly burrowed ideas and images.
This report summarizes M.A. Matin's internship at Pubali Bank Ltd's Principal Branch in Dhaka, Bangladesh. It provides an overview of Pubali Bank's vision, organizational structure, and the general banking, loans, and advances departments. As part of the internship, Matin assisted with account openings, check processing, local remittances like telegraphic transfers and demand drafts, loan applications and disbursements, and customer service. The report also identifies some challenges faced by the bank and provides recommendations to address them.
This document is an internship report submitted by Mirza Muhammad Naseer to the University of Management Sciences & Information Technology after completing a 6-week internship at Habib Bank Limited's Panjera branch in Azad Kashmir. The report provides an overview of HBL, including its establishment, values, goals, and the functions performed at its branches. It also analyzes HBL's organizational structure, products/services, and financial performance. The document aims to provide students and laypeople with information and insights about HBL's banking operations and role in Pakistan's economy.
This document provides information about Asmita Gotame's internship report at NIC Asia Bank Limited. It includes a declaration, certificate from her supervisor, and acknowledgements. The report was submitted in partial fulfillment of the requirements for a Bachelor's degree in Business Management from Tribhuvan University. During her internship, Asmita gained experience working in the bank's Customer Service Department, where she assisted customers and learned about the bank's operations and services.
Internship Report on United Commercial Bank Ltd.Azas Shahrier
A complete in-depth analysis of background check, history, organization structure, culture, products & features on United Commercial Bank of Bangladesh with twelve weekly journals of regular coursework and activities.
This document is an internship report submitted by Mohammad Shorab Hossain to his professor S.M. Arifuzzaman detailing his internship experience at Southeast Bank Limited's Sat Masjid branch. The report includes an introduction, history and overview of Southeast Bank, and description of general banking activities at the branch. It provides information on account opening procedures, types of deposit and savings schemes offered, and necessary documents required to open different types of accounts like individual, joint, partnership, company accounts. The report aims to share the knowledge gained during the internship period about banking operations and activities at Southeast Bank Limited.
Presentation on summer internship project of bank priyanka sarraf
A SUMMER INTERNSHIP ON “A Comparative study of Himalayan Bank Ltd. and Everest Bank Ltd., with special reference to customer feedback on product and services offered by Himalayan Bank Limited”
Credit appraisal at central bank of indiaMayank Tailor
The document provides an overview of the global and local banking sector scenarios. It discusses that the Indian banking system has remained resilient amidst the global economic crisis while continuing to provide growth. It highlights that stress tests show that Indian banks are resilient to credit, market and liquidity risks. The survey results indicate that most respondents view the performance and shape of the Indian banking industry positively and feel it compares well with other sectors of the Indian economy. They also expressed positive views about the growth potential of the banking industry in the coming years.
Mahindra & Mahindra Financial Services Ltd (MMFSL) is one of India's leading non-banking finance companies that provides financing for vehicles and other assets, especially in rural and semi-urban areas. It has over 436 branches across India and has disbursed over Rs. 21,000 crore in loans since inception. MMFSL is part of the Mahindra Group, a large Indian conglomerate with over $7 billion in revenue. The document provides an overview of MMFSL's history and operations, the banking and NBFC industry in India, and differences between banks and non-bank financial institutions.
Report on summer internship project of Himalayan Bank Limited.priyanka sarraf
A SUMMER INTERNSHIP PROJECT ON “A Comparative study of Himalayan Bank Ltd. and Everest Bank Ltd., with special reference to customer feedback on product and services offered by Himalayan Bank Limited”
This document provides an overview of a project report on customer satisfaction at IndusInd Bank Ltd. It includes sections on the declaration, acknowledgements, contents, introduction to banking history and structure in India, IndusInd Bank's history and mission/vision. It also provides details on IndusInd Bank's major competitors, products, departments, and bibliography. The document serves as the report for a study on customer satisfaction conducted at IndusInd Bank.
internship report on Credit management policy of janata BankMd. Shohel Rana
This document is an internship report submitted by Muhammad Belal Uddin on the credit management policy and performance analysis of Janata Bank Limited's Lalbagh Branch in Rangpur. It includes an introduction, organizational profile of Janata Bank, an overview of the Lalbagh branch, description of the intern's work areas, analysis of Janata Bank's credit management policy and performance, and findings and recommendations. The report was prepared as part of BBA program requirements and provides insight into Janata Bank's lending practices and financial performance based on the intern's three-month experience at the Lalbagh branch.
BRAC Bank Limited is a commercial bank in Bangladesh that focuses on providing banking services to small and medium enterprises. It has a vision of being the market leader through supporting corporate and small businesses. The report provides an overview of BRAC Bank, including its corporate vision, mission, values and departments. It then focuses on BRAC Bank's small and medium enterprise division, describing the history, importance, products, network coverage, selection process, loan process and monitoring of SME clients. The report also discusses strategies like market concentration and product diversification that are important for expanding BRAC Bank's SME business.
This project report has been prepared as per the requirement of the syllabus of
MBA course structure under which the students are the required to undertake
project.
It was a first hand experience for us as that we were exposed to the professional
set-up and were facing the market, which was really a great experience.
During project period, I had very touching experiences. When business is involved,
experiences counts a lot, as we know, experience are an instrument, which leads
towards success.
The document discusses a summer training project report submitted by Keyur M Upadhyay to Shree Sahajanand Institute of Management on the topic of customer perception of gold loans as a source of short-term financing. It includes sections on declarations, certificates, executive summaries, prefaces, acknowledgements, tables of contents, company overviews, descriptions of gold and gold loans, research objectives and methodologies.
United commercial bank ltd. internship reportArif Hasan
The document is an internship report submitted by Mohammad Ariful Hasan to his lecturer, Ms. Farah Israt Tania, on his internship at United Commercial Bank Limited (UCBL) in Chittagong, Bangladesh. The report provides an overview of UCBL, including its history and branches. It also describes the various departments within UCBL, focusing on the general banking, general advance, and foreign exchange advance departments. Within general banking, it outlines the products and services offered, including various savings, current, fixed deposit, and other deposit accounts.
Financial Statement Analysis With The Help of Ratios (Suyesh Metel Pressing p...Avinash Labade
If any have Need Project Report please call +919011888598 and I will provide only Word File.
and
Project Cost is Rs 500/- Per Project
Send Me Payment Phone Pay or Google Pay
This document is an internship report submitted by Sakib Akatar Rain to Pokhara University in partial fulfillment of a Bachelor of Business Administration degree. The report analyzes service quality delivery and its impact on customer satisfaction at Siddhartha Bank Limited in Nepal. It includes recommendations from Sakib's principal and supervisors, a declaration, acknowledgements, table of contents, and initial chapters introducing the background and objectives of the study focused on measuring service quality dimensions and customer satisfaction at Siddhartha Bank.
PROJECT-Impact of Internet banking services on customer loyaltyNabarun Paul
1. The document discusses the impact of effective internet banking services on customer loyalty. It begins by providing background on the banking industry, describing the various activities banks perform and channels through which they provide services to customers, including ATMs, mail, mobile and online banking.
2. It then discusses commercial business models for banks, which typically generate revenue through interest on loans, transaction fees, and financial advising. Various types of banks are also outlined such as retail, business, private, and investment banks.
3. Online banking is said to provide customers with a convenient way to conduct banking from home and check accounts anytime. It has changed transactional business and affects many industries.
Internship at nepal rastra bank ( nrb )Pawan Kawan
Nepal Rastra Bank is the central bank of Nepal. The internship report summarizes the organizational profile, job profile and activities performed during a 12-week internship at NRB. Key activities included reconciling pay orders and pension records using the Olympic banking system. Observations highlighted outdated IT equipment and a need for staff training. Feedback recommended improving technology, restructuring jobs, and maintaining equipment. The summary provided an overview of the main topics covered in the internship report.
HDFC Bank was established in 1994 as one of the first private sector banks in India. It is committed to maintaining high ethical standards and focuses on operational excellence, customer focus, product leadership, and people. The bank provides a wide range of financial products and services. It has over 1,400 branches across India and aims to be a world-class Indian bank through high quality customer service and risk management practices. The bank has received several awards recognizing its leadership in areas such as retail banking, trade finance, and IT governance.
General Banking Activities of Sonali Bank Limited.A Study on Mithapukur Branc...Md. Shohel Rana
This document is an internship report submitted by Md. Zahidul Islam to his university about his internship at the Mithapukur Branch of Sonali Bank Limited in Rangpur, Bangladesh. The report focuses on the general banking activities of Sonali Bank Limited, with the objectives of analyzing the bank's general banking system and loan and advances processes. During his internship, Md. Zahidul Islam gained knowledge and experience in the bank's general banking operations like account opening, clearing, transfers, deposits, cash transactions, and loans to meet the requirements for his BBA degree.
Financial Analysis of Axis Bank Services (MBA Finance)Avinash Labade
If any have Need Project Report please call +919011888598 and i will provide only Word File.
and
Project Cost is Rs 500/- Per Project
Send Me Payment Phone Pay or Google Pay
The document is an internship report submitted by Mayank Mulchandani to Medi-Caps University for their MBA program. It details their 8 week internship at State Bank of India in the Credit Division. It includes sections on the company profile of SBI, describing it as a major public sector bank in India. It provides information on SBI's history dating back to 1806, its current position and services offered which include personal, rural, SME and corporate banking. The report was prepared under the supervision of Mr. Prakash Kumar Shukla, Branch Head of SBI's MG Road branch.
This document provides information about an internship report submitted by Md. Abdul Hadi to analyze the general banking activities of Janata Bank Limited's Mirpur Corporate Branch in Dhaka, Bangladesh. The report includes an introduction, company profile of Janata Bank, and analysis of general banking activities like deposits, loans, remittances, account opening/closing procedures. It aims to identify issues and provide recommendations to improve services based on the internship experience.
This document provides information about Uttara Bank Limited (UBL), including:
1) A brief history and background of UBL establishing it as one of the largest private banks in Bangladesh.
2) An overview of UBL's objectives, products, services, vision, mission and organizational structure.
3) An explanation that the report will focus on analyzing UBL's general banking system.
Credit analysis for personal laon abn amro bankravikumarthumma
The document is a project report submitted by Siddharth Shrikant Raut to Vishwakarma Institute of Management in partial fulfillment of an MBA. The project analyzes the credit analysis process of personal loans at ABN AMRO Bank, where Raut completed a summer internship from May to July 2007. The report includes chapters on the company profile of ABN AMRO Bank, an overview of their personal loan products and services, the concepts and stages of their credit analysis process, case studies, and conclusions. Raut conducted the project under the guidance of his project advisor Mrs. Smita Sovani.
Presentation on summer internship project of bank priyanka sarraf
A SUMMER INTERNSHIP ON “A Comparative study of Himalayan Bank Ltd. and Everest Bank Ltd., with special reference to customer feedback on product and services offered by Himalayan Bank Limited”
Credit appraisal at central bank of indiaMayank Tailor
The document provides an overview of the global and local banking sector scenarios. It discusses that the Indian banking system has remained resilient amidst the global economic crisis while continuing to provide growth. It highlights that stress tests show that Indian banks are resilient to credit, market and liquidity risks. The survey results indicate that most respondents view the performance and shape of the Indian banking industry positively and feel it compares well with other sectors of the Indian economy. They also expressed positive views about the growth potential of the banking industry in the coming years.
Mahindra & Mahindra Financial Services Ltd (MMFSL) is one of India's leading non-banking finance companies that provides financing for vehicles and other assets, especially in rural and semi-urban areas. It has over 436 branches across India and has disbursed over Rs. 21,000 crore in loans since inception. MMFSL is part of the Mahindra Group, a large Indian conglomerate with over $7 billion in revenue. The document provides an overview of MMFSL's history and operations, the banking and NBFC industry in India, and differences between banks and non-bank financial institutions.
Report on summer internship project of Himalayan Bank Limited.priyanka sarraf
A SUMMER INTERNSHIP PROJECT ON “A Comparative study of Himalayan Bank Ltd. and Everest Bank Ltd., with special reference to customer feedback on product and services offered by Himalayan Bank Limited”
This document provides an overview of a project report on customer satisfaction at IndusInd Bank Ltd. It includes sections on the declaration, acknowledgements, contents, introduction to banking history and structure in India, IndusInd Bank's history and mission/vision. It also provides details on IndusInd Bank's major competitors, products, departments, and bibliography. The document serves as the report for a study on customer satisfaction conducted at IndusInd Bank.
internship report on Credit management policy of janata BankMd. Shohel Rana
This document is an internship report submitted by Muhammad Belal Uddin on the credit management policy and performance analysis of Janata Bank Limited's Lalbagh Branch in Rangpur. It includes an introduction, organizational profile of Janata Bank, an overview of the Lalbagh branch, description of the intern's work areas, analysis of Janata Bank's credit management policy and performance, and findings and recommendations. The report was prepared as part of BBA program requirements and provides insight into Janata Bank's lending practices and financial performance based on the intern's three-month experience at the Lalbagh branch.
BRAC Bank Limited is a commercial bank in Bangladesh that focuses on providing banking services to small and medium enterprises. It has a vision of being the market leader through supporting corporate and small businesses. The report provides an overview of BRAC Bank, including its corporate vision, mission, values and departments. It then focuses on BRAC Bank's small and medium enterprise division, describing the history, importance, products, network coverage, selection process, loan process and monitoring of SME clients. The report also discusses strategies like market concentration and product diversification that are important for expanding BRAC Bank's SME business.
This project report has been prepared as per the requirement of the syllabus of
MBA course structure under which the students are the required to undertake
project.
It was a first hand experience for us as that we were exposed to the professional
set-up and were facing the market, which was really a great experience.
During project period, I had very touching experiences. When business is involved,
experiences counts a lot, as we know, experience are an instrument, which leads
towards success.
The document discusses a summer training project report submitted by Keyur M Upadhyay to Shree Sahajanand Institute of Management on the topic of customer perception of gold loans as a source of short-term financing. It includes sections on declarations, certificates, executive summaries, prefaces, acknowledgements, tables of contents, company overviews, descriptions of gold and gold loans, research objectives and methodologies.
United commercial bank ltd. internship reportArif Hasan
The document is an internship report submitted by Mohammad Ariful Hasan to his lecturer, Ms. Farah Israt Tania, on his internship at United Commercial Bank Limited (UCBL) in Chittagong, Bangladesh. The report provides an overview of UCBL, including its history and branches. It also describes the various departments within UCBL, focusing on the general banking, general advance, and foreign exchange advance departments. Within general banking, it outlines the products and services offered, including various savings, current, fixed deposit, and other deposit accounts.
Financial Statement Analysis With The Help of Ratios (Suyesh Metel Pressing p...Avinash Labade
If any have Need Project Report please call +919011888598 and I will provide only Word File.
and
Project Cost is Rs 500/- Per Project
Send Me Payment Phone Pay or Google Pay
This document is an internship report submitted by Sakib Akatar Rain to Pokhara University in partial fulfillment of a Bachelor of Business Administration degree. The report analyzes service quality delivery and its impact on customer satisfaction at Siddhartha Bank Limited in Nepal. It includes recommendations from Sakib's principal and supervisors, a declaration, acknowledgements, table of contents, and initial chapters introducing the background and objectives of the study focused on measuring service quality dimensions and customer satisfaction at Siddhartha Bank.
PROJECT-Impact of Internet banking services on customer loyaltyNabarun Paul
1. The document discusses the impact of effective internet banking services on customer loyalty. It begins by providing background on the banking industry, describing the various activities banks perform and channels through which they provide services to customers, including ATMs, mail, mobile and online banking.
2. It then discusses commercial business models for banks, which typically generate revenue through interest on loans, transaction fees, and financial advising. Various types of banks are also outlined such as retail, business, private, and investment banks.
3. Online banking is said to provide customers with a convenient way to conduct banking from home and check accounts anytime. It has changed transactional business and affects many industries.
Internship at nepal rastra bank ( nrb )Pawan Kawan
Nepal Rastra Bank is the central bank of Nepal. The internship report summarizes the organizational profile, job profile and activities performed during a 12-week internship at NRB. Key activities included reconciling pay orders and pension records using the Olympic banking system. Observations highlighted outdated IT equipment and a need for staff training. Feedback recommended improving technology, restructuring jobs, and maintaining equipment. The summary provided an overview of the main topics covered in the internship report.
HDFC Bank was established in 1994 as one of the first private sector banks in India. It is committed to maintaining high ethical standards and focuses on operational excellence, customer focus, product leadership, and people. The bank provides a wide range of financial products and services. It has over 1,400 branches across India and aims to be a world-class Indian bank through high quality customer service and risk management practices. The bank has received several awards recognizing its leadership in areas such as retail banking, trade finance, and IT governance.
General Banking Activities of Sonali Bank Limited.A Study on Mithapukur Branc...Md. Shohel Rana
This document is an internship report submitted by Md. Zahidul Islam to his university about his internship at the Mithapukur Branch of Sonali Bank Limited in Rangpur, Bangladesh. The report focuses on the general banking activities of Sonali Bank Limited, with the objectives of analyzing the bank's general banking system and loan and advances processes. During his internship, Md. Zahidul Islam gained knowledge and experience in the bank's general banking operations like account opening, clearing, transfers, deposits, cash transactions, and loans to meet the requirements for his BBA degree.
Financial Analysis of Axis Bank Services (MBA Finance)Avinash Labade
If any have Need Project Report please call +919011888598 and i will provide only Word File.
and
Project Cost is Rs 500/- Per Project
Send Me Payment Phone Pay or Google Pay
The document is an internship report submitted by Mayank Mulchandani to Medi-Caps University for their MBA program. It details their 8 week internship at State Bank of India in the Credit Division. It includes sections on the company profile of SBI, describing it as a major public sector bank in India. It provides information on SBI's history dating back to 1806, its current position and services offered which include personal, rural, SME and corporate banking. The report was prepared under the supervision of Mr. Prakash Kumar Shukla, Branch Head of SBI's MG Road branch.
This document provides information about an internship report submitted by Md. Abdul Hadi to analyze the general banking activities of Janata Bank Limited's Mirpur Corporate Branch in Dhaka, Bangladesh. The report includes an introduction, company profile of Janata Bank, and analysis of general banking activities like deposits, loans, remittances, account opening/closing procedures. It aims to identify issues and provide recommendations to improve services based on the internship experience.
This document provides information about Uttara Bank Limited (UBL), including:
1) A brief history and background of UBL establishing it as one of the largest private banks in Bangladesh.
2) An overview of UBL's objectives, products, services, vision, mission and organizational structure.
3) An explanation that the report will focus on analyzing UBL's general banking system.
Credit analysis for personal laon abn amro bankravikumarthumma
The document is a project report submitted by Siddharth Shrikant Raut to Vishwakarma Institute of Management in partial fulfillment of an MBA. The project analyzes the credit analysis process of personal loans at ABN AMRO Bank, where Raut completed a summer internship from May to July 2007. The report includes chapters on the company profile of ABN AMRO Bank, an overview of their personal loan products and services, the concepts and stages of their credit analysis process, case studies, and conclusions. Raut conducted the project under the guidance of his project advisor Mrs. Smita Sovani.
Comparative Analysis of saving Accounts of different BanksManoj1947
This document is a summer internship project report submitted by Manoj Kumar Shaw, a student at the Regional College of Management in Bhubaneswar, India. The report analyzes and compares the saving account services of Indusind Bank with other private banks such as Axis Bank, HDFC Bank, ICICI Bank, and Yes Bank. The report includes sections on the background and profiles of each bank, their saving account features and services, an analysis and interpretation of findings, and a conclusion. The objective is to understand customer preferences and satisfaction levels with the different banks' saving accounts.
0601094 credit analysis for personal laonSupa Buoy
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Credit Analysis and Risk Management of Standard Bank LimitedAriful Saimon
An Internship Report
On
“Credit Analysis and Risk Management of Standard Bank Limited”
Submitted to:
Mrs. Tanbina Tabassum
Assistant Professor
Department of Finance
Faculty of Business Studies
Premier University, Chittagong.
Submitted by:
Md. Shahadat Hossain
ID: 1502220802160
Major: Finance
Program: MBA (1 year), Batch: 22nd
Premier University
Date of Submission:
This document provides details about Pratik Parulekar's summer internship project at the Overseas Branch of Bank of Maharashtra. The objectives of the project were to study credit appraisal and analysis through hands-on experience with domestic and foreign currency cases. The project involved analyzing client accounts and financial feasibility of loan requests. The document provides background information on Bank of Maharashtra and discusses different types of lending arrangements like sole banking, consortium lending, and their advantages and disadvantages. It also includes a literature review covering credit appraisal process, risk assessment, and key terms related to lending.
The document is a letter of transmittal submitting a report on the financial performance analysis of Prime Bank Limited and Eastern Bank Limited from 2013-2017. It acknowledges the assistance received from the instructor in completing the report. The letter indicates that the report analyzes various financial ratios of the two banks over the specified period based on their annual reports and interprets the results. It states that the report also compares the financial performance of the banks and provides recommendations on how they can improve. The letter expresses hope that the instructor will provide feedback after carefully reviewing the report.
Zainab Ali Tarish AlBahrani completed a summer internship at Bank Muscat in Oman. In this internship report, she provides an overview of her experiences. She begins with acknowledging those at the bank who helped train and support her. Next, she provides a brief history of Bank Muscat, describing it as the largest bank in Oman with over 138 branches. She then outlines the structure of her internship program and training, describing the various departments she learned about and responsibilities she took on. Finally, she discusses the knowledge, skills and values she gained from the experience, such as learning new tasks and how to deal with difficulties, and concludes with an analysis of a problem that occurred at the bank.
Bank Performance Analysis 2014-17: AB Bank Limited, Bank Asia Limited and Mer...Md. Tanzirul Amin
This report contains the performance analysis of AB Bank, Bank Asia and Mercantile Bank from
the year 2014 until 2017. The data have been collected from the respective bank’s audited unconsolidated financial statements. The performance has been summarized and
recommendations have been given based on the time-series and cross-sectional analysis of the
data. Finally, excel workings have been shown in the appendix section towards the end.
Objectives of the report
To gain a financial insight on bank’s financial statements
To measure three individual bank’s performance in terms of: (i) Liquidity (ii) Financial
Risk (iii) Efficiency (iv)Profitability (v) Market Position over the past four years.
To compare and contrast among AB Bank, Bank Asia and Mercantile Bank performances
using the data obtained from their audited financial statements and ratio analysis.
We have analyzed the historical data of AB Bank, Mercantile Bank and Bank Asia from 2014 to 2017. Based, on the analysis of the date we can determine the overall performance of the three banks. We measured their Liquidity, Efficiency, Profitability, Market Position, Financial Risk ratios and also gather information of their Credit Risk, CAMELS Rating and Capital Adequacy Requirements. These empirical data analysis helped us to understand the position of the three banks over the four year period and the issues that need to be solved. Using our information we did both time-series and cross-sectional analysis of the three banks, and decided which one is the better performer in the different aspects. Moreover, recommendations for each of the respective banks have been provided at the end of the report. We can hope that the performance analysis of the banks help to overcome the problems/issues that are present and develop a better banking operations and sector in the country and for each banks.
Summer training report on Operational risk management at State bank of bikane...jigyasa soni
The document is a summer training report submitted by Jigyasa Soni for their MBA program. It discusses operational risk management at State Bank of Bikaner & Jaipur Bank.
The objectives are to highlight operational risks in banking, examine SBBJ Bank's operational risk management efficiency, understand RBI guidelines for banks, and evaluate if banks follow these guidelines. It acknowledges the bank's management committee and offers an overview of the bank's products and services in personal banking, NRI services, international banking, corporate banking, agriculture, SMEs, and others.
The document is a report submitted by Swapnil Anand, an intern at ICICI Bank, about their analysis of ICICI Bank's Virtual Relationship Management (VRM) call system. The VRM system allows Relationship Managers to connect with customers virtually and understand their experiences with ICICI Bank's digital platforms and products. The internship provided valuable experience in understanding ICICI Bank's banking services and motivation to strengthen customer relationships through digital transformation and initiatives like 'one bank, one number'.
This document provides details about Ketan Gyanchandani's summer internship project at AXIS Bank. It includes the project guide names from AXIS Bank, Ketan's faculty mentor from his university, and declarations about the project. The project aims to study the nuances and workings of retail banking. It discusses AXIS Bank's products, account opening procedures, risk management practices, and recently launched government schemes like Pradhan Mantri Suraksha Bima Yojana and Pradhan Mantri Jeevan Jyoti Bima Yojana.
Effective Credit and Investment Management of BangladeshJahid Khan Rahat
This study aims to unveil the bank’s attitude towards credit and investment management. In Bangladesh there is mainly two categories banking system that is Islamic Banking system and
conventional Banking system. Those system has totally different credit and investment policy. Islami Bank is based on Sharia. So, they invest as a partner of any business organization. As a result, it is sharing their profit not the interest. On the other hand, conventional bank based in interest system. So, their investment and credit policy are totally different from each other. In this research we investigate the relationship of credit or investment initiates and profitability of bank. We used secondary research method in completing this relationship of which we collect qualitative data from different sources.
The document provides information about Bank of Punjab (BOP), including its history, mission, vision, core values, board of directors, management, branches, and financial position. It discusses BOP's retail banking services such as current deposits, saving deposits, and term deposits. It also outlines BOP's retail finance services and products, including various deposit accounts, debit/credit cards, and youth education accounts.
Customer satisfaction towards j&k bank by wani aadilwani aadil
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Internship report on Sunrise Bank Limited
1. INTERNSHIP REPORT ON SUNRISE BANK LTD
GAIRIDHARA BRANCH
By
Rojej Shrestha
Roll no: 14450052
P.U Registration No: 2013- 2- 45-0196
A Internship Report Submitted to:
Ace Institute of Management
Pokhara University (P.U)
Submitted for the partial fulfillment of the degree of
Bachelor in Business Administration - Banking and Insurance (BBA - BI)
Date: 28th
October, 2016
2. INTERNSHIP REPORT II
DECLARATION
This internship Report entitled “An Internship report on Sunrise Bank”, submitted by
Rojej Shrestha in partial fulfillment of the requirements for the award of BBA-BI degree
of Pokhara University submitted to Ace Institute of Management comprises only my
work due acknowledgments have been made to materials used in the report under the
supervision of Mrs Sharmila Maharjan, the Facilitator of Ace and Mr. Ram Kumar Giri,
Branch Manager, Suresh Parajuli, Prakriti Giri, Somi Malla of Sunrise Bank.
………………………….
Signature
Rojej Shrestha
Date : 28th
October, 2016
3. INTERNSHIP REPORT III
BONAFIDE CERTIFICATE
This is to certify that this project report titled “An Internship report on Sunrise Bank
Ltd.” submitted by Rojej Shrestha for the partial fulfillment of the requirement of BBA-
BI embodies the bonafide work done by her under my supervision.
…………………………. ……………………………
Signature Signature
Sharmila Maharjan Ramesh Kumar Chauhan
Supervisor Program Director
Ace Institute of Management Ace Institute of Management
……………………………..
Signature
Name of the External Examiner:
Date:
4. INTERNSHIP REPORT IV
ACKNOWLEDGMENT
This report is set up under the extraordinary arrangement of the commonsense field
learning which is set up to satisfy the necessity of Bachelor in Business Administration
Banking and Insurance. This sort of work is key for any administration understudies that
give us chances to get presented to practical information and implications, giving
ongoing critical thinking circumstances. I might want to thank our school colleague for
their support and encrouagement.
A genuine thank to our venture counsel Mrs.Sharmila Maharjan for her valuable direction
and eagerness in readiness of this temporary position report and my field boss Ms.
Prakriti Giri, Mr. Suresh Parajuli, Ms. Somi Malla.
Further, I would like to express my sincere thanks to Pokhara University and Ace
Institute of Management, for providing the opportunity of internship.
Lastly, I would like to thank all other supervisors and senior interns, who guided me
throughout the internship program in SBL. The guidances that I received, helped me to
perform my best and learn things that will surely prove to be helpful in my career.
5. INTERNSHIP REPORT V
LIST OF ABBREVIATION
SBL SUNRISE BANK LIMITED
NRB NEPAL RASTRA BANK
CRD CREDIT DEPARTMENT
CAP CREDIT APPROVAL PACKAGE
CFOL CREDIT FACILITIY OFFER LETTER
ATM AUTOMATED TELLER MACHINE
LC LETTER OD CREDIT
CSD CUSTOMER SERVICE DEPARTMENT
SCT SMART CHOICE TECHNOLOGY
6. INTERNSHIP REPORT VI
Contents
CHAPTER I........................................................................................................................ 1
ORGANIZATION PROFILE............................................................................................. 1
1.1 Introduction............................................................................................................... 1
1.2 Organization’s Missions and Objectives................................................................... 2
1.3Major Markets and Customers:.................................................................................. 2
1.4 Product and Services ................................................................................................. 3
1.4.1 Deposits .............................................................................................................. 3
1.4.2 Loan.................................................................................................................... 5
1.4.3 Suryodaya Remit ................................................................................................ 6
1.4.4 Locker................................................................................................................. 6
1.4.5 Branchless banking............................................................................................. 6
1.4.6 Internet banking ............................................................................................ 7
1.4.7 Mobile banking................................................................................................... 7
1.4.8 Extension counter ............................................................................................... 7
1.5 Board of Directors..................................................................................................... 8
1.7 Capital Strucutre........................................................................................................ 9
1.9 Deposits..................................................................................................................... 9
1.9.1 Expenses........................................................................................................... 10
1.9.2 Organizational Performance............................................................................. 12
CHAPTER 2 ..................................................................................................................... 14
JOB PROFILE AND ACTIVITIES PERFORMED......................................................... 14
2.1 Activities performed in the organization:................................................................ 14
2.2 Learnings:................................................................................................................ 14
2.3 Major activities:....................................................................................................... 15
7. INTERNSHIP REPORT VII
2.3.1 Customer Handling........................................................................................... 15
2.3.2 Credit Approval Package, CFOL...................................................................... 15
2.3.3 Collateral Site Visit .......................................................................................... 15
2.3.4 Credit Documents Handling ............................................................................. 15
2.3.4 Document Uploading on Bank Server.............................................................. 16
2.3.5 T24 Software .................................................................................................... 16
2.4 Problem solved:....................................................................................................... 16
2.5 Interns key observation: .......................................................................................... 17
CHAPTER 3 ..................................................................................................................... 18
LESSON LEARNT AND FEEDBACK........................................................................... 18
3.1 Key skills and attitude learnt:............................................................................. 18
3.2 Feedback to the organization: ............................................................................ 18
3.3 Feedback to the college:..................................................................................... 19
ANNEXES........................................................................................................................IX
8. INTERNSHIP REPORT VIII
LIST OF TABLE
Table 1 Fixed Deposit Schedule ......................................................................................... 4
Table 2 Capital Structure .................................................................................................... 9
Table 3. product and services...........................................................................................XII
9. INTERNSHIP REPORT IX
LIST OF FIGURES
Figure 1 Board of Directors................................................................................................ 8
Figure 2 Comparison between the deposits of present and last fiscal year ...................... 10
Figure 3 Expenses of the Bank ......................................................................................... 11
Figure 4: Balanced Scorecard ........................................................................................... 12
10. INTERNSHIP REPORT 1
CHAPTER I
ORGANIZATION PROFILE
1.1 Introduction
A bank is a financial institution that primarily accepts deposits and creates credit. Banks
also provide financial services, such as wealth management, foreign currency exchange
and safe deposit lockers. There are two types of banks: Commercial Banks and
Investment Banks. Generally, Banks are regulated by the national government or central
bank.
The major objectives of Central Banks are Currency Stability, Inflation control and
Monetary policy and control of money supply in an economy. Some of the world’s major
central banks are U.S Federal Reserve Bank, the European Central Bank, the bank of
England, and the bank of japan the Swiss National Bank and the people’s Bank of China.
In an economy driven by appetite for success, Sunrise Bank Limited is "Rising to Serve"
by defining new levels of services and products. As a bank founded by reputed
entrepreneurs, they understand the needs of a growing economy and are well equipped to
serve.
Their team of seasoned banking and management professionals has dedicated themselves
to establishing an institution determined to cater to the needs of all, be it big or small. Our
aspirations are their benchmarks and we will always be "Rising to serve".
Sunrise Bank Nepal Ltd. provides personal and business banking products and services.
Its personal banking products and services include savings deposits, fixed deposits, and
loans; and business banking products and services include loans and advances, demand
loans, fixed term loans, import loans, overdraft loans, short term pledge loans, export
financing, hire purchase, deprived sector loans, SME loans, loan against bank guarantee,
loan against government bonds, loan against shares, loan against fixed deposits of other
banks, consortium loans, and gold loans. The company also provides locker, Internet
banking, remit, and mobile banking services, as well as Visa debit cards.
11. INTERNSHIP REPORT 2
1.2 Organization’s Missions and Objectives
Sunrise bank visions to “you and us …..Together we built”. And missions to Establish
Sunrise bank as a lead bank in all places of their branch location national wide.
Objectives of Sunrise Bank Ltd:
To continuously expand Bank's operation in systematic manner,
To become a major innovative Bank and provide top of the line services,
To build an HR team that continuously supplements the growth of the
organization,
To be vigilant to the evolving economy and align our operations accordingly.
1.3Major Markets and Customers:
Sunrise Bank Ltd. is an “A” class commercial bank classified by Central Bank of Nepal.
Sunrise Bank has been able to expand its services through establishment of branches
throughout the country. People of Nepal from various geographic regions are able to
purchase the products and use the services provided by the bank. The market for the bank
is widespread over the places of Nepal.
As per bank they say the bank understand that banking is no longer a numbers game.
“success” for us is not just a margin. We understand that you are looking for a friend. A
friend to understand, evaluate and invest in your dreams and aspirations. A friend who
will safe guard your savings and give you the best value for it. For us success is your
hand in friendship.
I was deployed in Credit Department of Main Branch. It is one of the most important
department of a bank that generates the major source of income for bank i.e. Interest
Income. The Credit Department of Main Branch provides different loan products not less
than NRs. 5.00 Lakhs. It has large customer base and good position of Credit portfolio.
People purchase different loan products such as SME Loan (Small Medium Enterprises),
Overdraft, Margin Lending and so on. Sunrise Bank Ltd has large customer base from
low income to high income earning people.
12. INTERNSHIP REPORT 3
1.4 Product and Services
SBL generates significant revenues through credit creation and the funds from deposits
are used for credit creation. As such, the major products of SBL are
Deposits
Loans and Advances
Along with these products, other services that significantly contribute for SBL’s revenue
generation and customer retention include:
Suryodaya Remit
Locker
Branchless Banking
Internet Banking
Mobile Banking
Sunrise Visa Debit Card
Extension Counter
1.4.1 Deposits
Deposits are the major sources of fund in SBL. Deposit is the amount placed by
individuals and corporate groups in the bank for safekeeping and is subject to
withdrawal on the demand of the depositor or at the time of maturity of stated period.
Deposits are the major liability for any banks and in case of liquidation, deposits are
settled first and foremost. Deposits are facilitated through variety of accounts and
they are:
a) Fixed Account
A fixed account requires the depositor to deposit a fixed sum of money for a fixed
period of time. A penal interest is charged in case of withdrawal of fixed deposit
prior maturity. The interest is paid on quarterly basis. Fixed account can be
opened by individuals, minors, clubs, societies, associations and trusts.
13. INTERNSHIP REPORT 4
TIME Interest Rate
Individual
6 Months 4.00%
1 Year 5.00%
18 Months and above 5.25%
Corporate
1 year 4.00%
18 months and above 4.25%
Interest payable on quarterly basis*
Table 1 Fixed Deposit Schedule
b) Saving Account
A saving account is an interest bearing account. In SBL, interest is calculated on
daily balance and credited to the account on quarterly basis. The minimum
balance for saving account depends on the nature of saving account. Such balance
is subject to any incidental charges that SBL specifies during the period. To keep
the records of savings and transactions as well as to be updated with the status of
the account, a passbook is provided to the depositor. The types of saving account
in SBL are:
Normal Savings
Sunrise Payroll Savings
Sunrise Fat Savings
Sunrise Exclusive Bachat
Sunrise Bal Bachat
Sunrise Share Dhani
Sunrise Pink Bachat
Sunrise Remit Bachat
USD/GBP Saving
14. INTERNSHIP REPORT 5
Sunrise Senior Citizen
Sunrise Super Savings
Sunrise Krishi Karja Saving
Sunrise Disability Saving
Sunrise Share Lagani Khata
Sunrise Bisesh Bachat
Euro Saving Account
c) Current Account
A current account is non-interest bearing account. Only the corporate bodies can
open a current account. It is especially designed for corporate bodies that are
indulged in frequent transactions. SBL provides the current account holder with
cheque book. A semiannual statement is sent to keep track of the transactions
carried out by the account holder. Additionally, the bank may provide the
statement daily, weekly or monthly as per the request made.
1.4.2 Loan
SBL provides wide range of loan products for both individual and corporate. It is the
major source for income earning of the bank. Dome of the loan products are
a) Sunrise Ghar Karja
This loan is basically focused for those who dreams to own their home. The
interest are highly competitive. The interest rate ranges from 8.50% to 13%.
b) Sunrise Sajilo Karja
Sunrise Sajilo Karja can be disbursed for social, personal, business purposes.
This flexible loan allows the borrower to fulfill all personal financial
requirements. We offer loans in line with the clients' repayment capacity and
the usage of the loan.
c) Term Loan
15. INTERNSHIP REPORT 6
d) Sunrise Surakshit Ghar Karja
A home loan product tied up with endowment life insurance policy--this is
a unique loan product being offered to the customers for the first time in the
Nepalese banking sector. The loan limit ranges from 0.5 million to 10 Million.
Under this scheme, each borrower will have life insurance policy commensurate
with the loan amount and tenure of the house loan. Insurance company will pay
full loan amount to the bank on behalf of the borrower within the loan tenure.
Therefore the borrower will bear say interest portion only making the EMI
significantly lower than in normal home loan.
1.4.3 Suryodaya Remit
It is an electronic online cash exchange result of the bank intended to encourage
exchange of assets by Nepalese exiles working/living in remote nations and in
addition for residential exchange of assets. Suryodaya transmit is secured by
method for VeriSign and computerized authentications mapped to every client
independently. It is quick, moderate and secure.
1.4.4 Locker
Sunrise Safe Deposit Locker is facility furnished to the individual and
institutional customers who prefer to safe deposit precious gems & jewelries and
important documents to evade the probability of increasing theft, burglary and
fire. The Safe Deposit Locker has been the first choice for the safest custody of
the valuable goods with flexibility of time to store and take away when required.
The Bank has varied sizes of Safe Deposit Locker to select from. Lockers facility
can be availed from selective Branches of the Bank.
1.4.5 Branchless banking
Branchless saving money is a practical channel for conveying budgetary
administrations without depending on the customary bank branches. Branchless
managing an account gives essential keeping money benefits through NIBL
specialists having Bio-metric POS devices(with unique mark scanner).
16. INTERNSHIP REPORT 7
1.4.6 Internet banking
Web based keeping money otherwise called web saving money e-managing an
account or virtual banking, E-saving money or virtual saving money, is an
electronic installment framework that empowers clients of bank or other monetary
organization to lead a scope of budgetary exchanges through the monetary
institution’s site.
1.4.7 Mobile banking
Mobile banking is a service provided by a bank or other financial institution that
allows its customers to conduct a range of financial transactions remotely using a
mobile device such as a mobile phone or tablet, and using software usually called
an app, provided by the financial instutions for the purpose. Mobile banking is
usually available on 24hour basis.some financial institutions have restrictions on
which accounts may be accessed through mobile banking as well as a limit on the
amount that can be transacted
1.4.8 Extension counter
There are no inflexible rules, but banks for the most part open augmentation
counters in spots like colleges, large government or private foundations and so on
with the end goal of conveying fundamental saving money administrations at their
doorstep, even however opening a branch may not be a feasible proposition.
Therefore, the expansion counters would by and large capacity from littler
premises and with less number of representatives, for rendering just essential
keeping money services.so, as a rule the accompanying administrations for the
most part would not be accessible:
o Credit Products
o Safe Deposit Lockers
o Foreign exchange services etc.
17. INTERNSHIP REPORT 8
1.5 Board of Directors
Figure 1 Board of Directors
The Board of Directors consists of 9 members. As per the directives of NRB, there are 3
Public Directors and 6 Director. Mr. Motilal Dugar is the chairman of SBL.
CHAIRMAN
(Mr. Motilal Dugar)
DIRECTOR
(Mr.
Malchand
Dugar)
DIRECTOR
(Mr. Bachh
Raj Tater)
DIRECTOR
(Mr. Motilal
Dugar)
DIRECTOR
(Dr.
Bhogendra
Guragain)
DIRECTOR
(Mr. R.K.
Manandhar)
PUBLIC
DIRECTOR
(Mr. Deepak
Pd,
Bhattarai
PUBLIC
DIRECTOR
(Mr. Deepak
Nepal)
PUBLIC
DIRECTOR
(Mr. Jyoti
Kumar
Begani)
18. INTERNSHIP REPORT 9
1.7 Capital Strucutre
AUTHORIZED CAPITAL 5 BILLION
PAID UP CAPITAL 3.98 BILLION
Table 2 Capital Structure
At present, the authorized share capital of SBL is NRs. 5.00 Billion whereas the paid-up
capital is 3.98 Billion. 51% of paid-up capital is held by promoter shares whereas 49% is
held by public shares. The pie-chart diagram is presented in Annexes.
As per the directives of NRB, every “A” Class commercial bank must maintain its paid-
up capital to NRs. 8.00 Billion by fiscal year 2073/74. SBL has its capital plan to reach
the directive through the merger and issuance of rights and bonus shares.
1.9 Deposits
At the mid July 2014, the deposit of Sunrise Bank Ltd. increased by 14% and reached Rs
26.2 Billion. The bank has offered need to low enthusiasm bearing stores as opposed to
the high enthusiasm bearing deposits.Hence,the add up to altered stores diminished by
3% to NPR 10.48 billion while the aggregate sparing Deposits of the bank expanded by
20% to NPR 9.88 billion. The interest bearing accounts have increased by 13% while the
total deposits have increased by 14%
The following bar-diagram shows the changes in deposits at the end of the fiscal year
2013/14.
19. INTERNSHIP REPORT 10
Figure 2 Comparison between the deposits of present and last fiscal year
1.9.1 Expenses
SBL has been able to maintain its expenses as compared to the previous fiscal
year. Expenses are tried to minimize as far as possible. The expenses categories can be
divided into 3 parts.
Staff Expenses: Staff expense seems to increase by 2% than the previous year.
SBL has provided its staff with more benefits, appraisals, increase in salary.
Depreciation and Amortization: Depreciation expenses have been decreased by
1%.
Other Operating Cost: As every organization tends to decrease its operating cost,
SBL has been able to cut the cost by 1% from the last fiscal year.
21. INTERNSHIP REPORT 12
1.9.2 Organizational Performance
SBL has been able to perform the best organizational performances. It has been earning
profit in increasing trend. SBL focuses on its customer by launching various flexible
products. . The job responsibilities for each designation are clearly described so that the
employees clearly understand their responsibilities and accountabilities. SBL focuses on
job rotation and job enrichment to reduce the monotony.
The performance of organization can be analysed through the balanced scorecard.
Figure 4: Balanced Scorecard
a) Financial Status
The performance of SBL is outstanding and it is one of the leading banks in the
banking industry of Nepal. SBL is the bank with the most networked branches all
over Nepal. Currently the capital base of SBL is NRs. 5.00 billion, which denotes
that the financial capacity of the bank is very strong. As of Ashadh 2073, the
capital adequacy ratio of SBL is 11.41%. This shows that the bank is financially
stable and efficient in its functioning.
Organizational
Performance
Financial
Status
Internal
Processing
Learning
and
Growth
Customers'
Perspective
22. INTERNSHIP REPORT 13
b) Customer Perspective
Creation of customer satisfaction and customer delight is of utmost importance
for SBL. It deals with various natures of customers ranging from individuals to
corporate groups. SBL continually comes up with various customized products
that are tailored as per the need of the customers. For an instance, earthquake
relief loan for earthquake victims at 2% interest rate, women’s saving account
with various discount schemes, etc. However, according to the customers, there is
more scope for improvement in the service provided by SBL.
c) Internal Processing
The processes of SBL are systematized for better services and effectiveness of the
bank. Every member of the bank knows his/her responsibility and duties toward
the organization as the responsibilities and authority to each designation is clearly
spelled. The channel for flow of information is also clear. With effective
communication and clear lines of authority, the internal processing is free from
mismanagement.
d) Learning and Growth
SBL strongly focuses on strengthening the potential of its employees. It has a
continuous learning culture for every employee. The employees are rotated in
their jobs with the purpose of providing better understanding of the impact and
contribution of every activity carried out in the bank. It also makes the employees
more cooperative and understanding of each other which promotes their bonding.
SBL also enriches the job by attaching several responsibilities to a single job
designation. This helps the employees to develop the skills of multitasking. To
develop the competencies among the employees and improve their productivity,
SBL provides its employees with numerous training opportunities related to their
field. This makes them ready and confident for their job responsibilities.
23. INTERNSHIP REPORT 14
CHAPTER 2
JOB PROFILE AND ACTIVITIES PERFORMED
My Internship tenure in Sunrise Bank Ltd. was of 7 weeks in Main Branch, Gairidhara. I
got the wonderful opportunity to work in Credit Department. Through this department, I
was able to acquire the very essential banking knowledge as I want to see myself as a
banker in future. I primarily learned the Credit products such as Loan, Overdraft,
LC/Guarantee etc. In my tenure, I was able to deal with customers and disseminate the
information to them. Not only Credit related tasks, I was able to gain knowledge about all
the other banking task.
2.1 Activities performed in the organization:
During 7 weeks of my internship tenure, I was deployed in Credit Department. CRD is
one of the most important and essential department for each and every bank as it
generates the major income source for a bank i.e. interest income. As the main branch
and the head corporate office are in same building, I got the opportunity to watch the
coordination between the branch and the corporate office. SBL has its tradition to
celebrate their staffs birthday, “Daar” Party and so on. The activities I performed within
7 weeks were based on my acquired knowledge and intuition. It allowed me to relate my
studies in the practical working environment.
2.2 Learnings:
Coordination and respect among staffs.
Listen and understand the customers.
Two-way communication is very vital.
Dealing with the customer through psycho-analysis
Brain Storming and Team Work.
Positive Organizational Behavior.
Motivation and Self motivational techniques.
Decision making, cognitive learning.
Following and respecting the work ethics.
24. INTERNSHIP REPORT 15
2.3 Major activities:
I was very thankful that I got the opportunity to work in Credit Department. In Credit
Department there are lots of paper work involved. It has very well managed system to
record the documents in a specific procedure. Documents were recorded in printed as
well as in digital format.
2.3.1 Customer Handling
CRD department is the first place where a potential customer approaches to the
bank. It is the primary duty and responsibility of the bank to provide the information of
availing credit products and their interest rates. As the first thing I learnt was different
types of loans and credit facilities, I provided necessary information about the products
and I often provided the essential suggestions as per my capacity to the customer.
2.3.2 Credit Approval Package, CFOL
CAP is the most important document prepared in CRD. It consist all the analysis
and customer’s background, credit history, proposed terms and condition, interest rates. I
was very fortunate learn how to prepare them. I assisted my immediate supervisor to
prepare CAP. I was also given the responsibility to coordinate with the Branch Manager
and report if any extra essential comments.
I also learnt to prepare CFOL (Credit Facility Offer Letter). However, I was no
the authorize concern to prepare CFOL, I was able to prepare it by the end of my
internship tenure.
2.3.3 Collateral Site Visit
For any kind of loans, collateral is a very important part as it is the best way to
cover the bad debts. I was provided the opportunity to visit the collateral site property by
my supervisors. I learnt what things look for, genuinity of the customer, feasible analysis.
I also assisted my supervisor to prepare CSVR (Collateral Site Visit Report).
2.3.4 Credit Documents Handling
In Credit Department, there are lots of paperwork. Documents can be classified as
Credit, Legal and Approval/Recommendation documents. While handling these
25. INTERNSHIP REPORT 16
documents, I enjoyed learning the new terms, technical words and so on. I learnt to scan
the documents, print them and Xerox them.
2.3.4 Document Uploading on Bank Server
Banks keep their documents in both printed and in digital form. There are
procedures to upload the documents into the bank server. I was very thankful to use such
technology in organizational work settings.
2.3.5 T24 Software
However, I was no fully authorized to operate it. I learnt to use T-24 banking
Software, the latest of its kind. Generally, I had to use it for balance inquiry and bank
statement of customers.
2.4 Problem solved:
Working in SBL, I was exposed to real life experience as a professional. As an intern, I
was given responsibilities with expectations of better performance. I learnt many things
as I tackled with the tasks I undertook. During my internship tenure, I performed my best
and solved problems such as:
Provided necessary information to the customer when confused.
Managed the paperwork load of the department.
Help Relationship Managers and Branch Manager to correct communication
error.
Report the complaints and messages of customer to the concerned authority.
Assisted Relationship Managers to clarify the related issues.
Provided the knowledge I acquired from college to the bank which may increase
the efficiency. For example: Use of Google Drive or Cloud Servers.
Assisted filling up the different forms, especially to those who could not read and
write.
Gave feedbacks to supervisors.
26. INTERNSHIP REPORT 17
2.5 Interns key observation:
There were numerous things I observed as an intern while working at sunrise commercial
bank which I otherwise would not have known. As I select bank for my intern the most
things I observe are the processes of the banking the functions which are as follow:
Interns must be assigned with the responsibility as per their potentialities.
The coordination between the staffs are good but still needs to smoothen it from
time to time.
Theoretical knowledge is equally important as every works and tasks needs
theoretical base.
Branch Manager regularly inspects the staff, listen to their problems, supervises
etc.
The employees of SBL are friendly and equally helpful. They do not disturb or
irritate if the work load is heavy.
In credit department, Relationship Officers brainstorms, discuss and solves the
problem as we had studied in Principle of Management and Organizational
Behaviour.
The technology has become old and is slower which slows down the processes.
This also results in slower delivery of service to the customers.
Every employee was given certain duties for which they could be held
accountable. As such, there was defined authority and responsibility.
Flexible Lunch hours so that the branch is not empty.
Failure in effective communication makes customer angry.
Celebration of birthday parties and farewell parties.
On-the-job training and Job rotation are more focused to reduce the monotony.
27. INTERNSHIP REPORT 18
CHAPTER 3
LESSON LEARNT AND FEEDBACK
3.1 Key skills and attitude learnt:
An internship is an opportunity offered by employers, both in the non-profit and for-
profit sectors, to students interested in the industry. An intern works at the company for a
fixed period of time, usually three to six months. Some students will have a part-time
internship, where they work at the office for just a few days or hours a week. Others will
have full-time internships, meaning they work the same hours as the company's full-time
employees. At SBL, my internship tenure of 7 weeks provided me the wonderful
opportunities to know about the professional banking world. I knew what is to work in
organizational work settings.
Reality of professional organizational settings.
Importance of punctuality and completion of tasks.
Responsibilities.
Importance of team work that helps to solve problems.
Deal with customers in polite and friendly way.
About banking system and corporate work culture.
Laws and directives of regulatory body i.e. NRB.
3.2 Feedback to the organization:
As the organization is categorized in class A bank and is running smoothly some points I
would like to state as feedback are as follows:
Flexibility in Products: However, SBL has been able to launch products
according to the time. More flexibility is to be brought up. This will help
customers to utilize the product to the fullest.
Advertisement: SBL must consider the latest media of advertisement. Use of
social networking sites such as Facebook, Instagram, and Twitter etc must be
boosted. Customer’s query must be replied instantly in Facebook pages.
Maintain good PR: Sunrise Bank ought to focus on the advertising and ought to
make a symphonious association with the clients. Media is the essential weapon
28. INTERNSHIP REPORT 19
for a wide range of publicizing and organization ought to keep a nearby tie with
the business.
The staffs whose job role requires frequent contacts with the customers should be
trained to deal in a patient and polite manner.
The willingness to work should be developed among the employees through
effective incentive plans
The technologies should be updated as the existing technologies are slowing the
processes.
3.3 Feedback to the college:
The school ought to give the essential information about every one of the divisions, its
extension, and so forth. Prior to the temporary position so that the understudies would
think that its simple to choose the association where they might want to assistant. The day
and age for searching for the entry level position was too short for legitimate assessment
of decisions.
Understudies needed to pick the less good alternative because of time limitations.
The 6/8 weeks’ time span for temporary position is insufficient for an understudy.
It would have been exceptional if the related University and College can give
such temporary job program in the last semester of BBA-BI educational modules
with legitimate introduction program.
Appropriate directing to the understudies amid their entry level position ought to
be given so that the understudies would know whether whatever they have been
learning at their work coordinate their temporary job targets or not.
The college ought to consider making school time adaptable for understudies after
the Internship is over in light of the fact that working and increasing pragmatic
learning is similarly essential as hypothetical information.
Inspite of all I would like to thank to Pokhara University and Ace establishment
of Management, for giving such mind blowing course structure, extremely ace
indicating teachers, and better school environment and giving such passage level
position undertakings to get the learning of organization understudies.