Tourism Development Bank Ltd. (TDBL) was established in 2010 as a development bank in Nepal focused on tourism and infrastructure development. [1] TDBL has 15 branches across Nepal and aims to provide banking services to underserved populations. [2] It offers various savings accounts, fixed deposits, loans, remittance services, and other products. [3] TDBL's organizational structure is relatively flat, with the branch manager overseeing departments for customer service, cash, gold loans, and credit. [4] The bank aims to expand financial access and support Nepal's economic growth.

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CHAPTER I
Organization Profile
1.1 Introduction To The Organization
Tourism Development Bank Ltd. (TDBL) was incorporated in 18th March 2010 as the development
bank in Nepal. TDBL falls under Category ‘B’ Financial Institution registered under the “Banks
and Financial Institutions Act” of Nepal. TDBL has been established by prominent business
personnel and professionals from diversified areas with a prime objective of providing 'Banking
Services to Everyone' in the country where still large number of population are deprived of
Banking Services. The Bank has in total 569 promoters from 67 districts. TDBL has highly focused
on customized service and competitive pricing, to provide extended valued service at competitive
pricing. Tourism development bank Ltd. has introduced innovative schemes and a dynamic range of
business plansto create businessand employment opportunities.As a new bank establishedto support
Nepal’s tourism sector, it has a special focus on tourism and infrastructure development.
The bank has established itself as an emerging player in financial sector with focus in customer
service excellence maintaining excellent relationship with valued customers. There are total fifteen
branches of TDBL established and operated within the country. The head office of TDBL is
situated at Newbaneshwor, Kathmandu including 5 other branches within the valley. The rest of
ten branches are situated at different diversified area of the country which is outside the valley.
Therefore we can say that TDBL has influenced the whole country with its services.
With aprime objective of providing 'Banking Services to Everyone' in the country where stilllarge
number of population are deprived of Banking Service, compared to other banks it has done a
job well done and earned better position in the market within short period of time.
Bank Visions
To be a part of country’s future by creating business and employment opportunities through
banking activities in emerging sector of the national economy.

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1.2 Organization’s Mission And Objective
Bank Mission
 To be recognized as an excellent development bank by offering innovative and
comprehensive product range.
 To render quick and prompt banking services to the customers.
 To involve in aggressive marketing and business promotions to promote the banking
products and awareness among the citizens where the country has large number of citizen
who are still deprived from the banking services
 To introduce new banking services and products.
 To run the institution with an efficient and professional management.
 To develop an effective internal control system, Management Information System(MIS)
and compliance.
Objective Of The Bank
The main objectives of the bank in accordance with the Nepal Rastra Bank Act 2058,Banking and
Financial Institution Act 2063 and Company Act 2063 of Nepal are as follows:
 To provide world class and reliable banking services provided safeguarding the interest of
the shareholder and the depositors are taken care off.
 To uplift the Nepalese Economy by investing in the tourism , industrial, service, and other
developing sectors and providing the required financial assistance both from the internal
and external sources.
 To provide appropriate, innovative and qualitative financial products and services to the
public for the sustainable economic development of the country.
 To support development of emerging sectors of the economy focusing on tourism and
infrastructure by providing required financial resources.
 Help and actively involve in poverty alleviation.
BOARD OF DIRECTOR
The Board of Director (BOD) of TDBL consists of 8 members. The names of those members of
BOD are as follows:

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Name of director Designation
Prof. Dr. Puspa Raj Kandel Chairman
Bishwombhar Krishna Parajuli Director
Dipak Mahat Director
Shyam Raj Thapaliya Director
Bhim Prasad Pant Director
Mukul Mani Dahal Director
Mukti Ram Pandey Director(public)
Thakur Prasad Bhattarai Director(public)
Table 1: Board of Director
The Bank’s shares are listed and actively traded in the Nepal Stock Exchange (NEPSE)
1.3 Major Markets And Customers
The bank has now established total 15 branches among which 5 inside the valley and rest outside
the valley. With this statement the bank is now widening its scope and customer. However, at
TDBL, Newroad is famous among the Prime gold loan (PGL) as there are lots of Gold shops
around the area. Also there are lots of corporate accounts opened at TDBL, new baneshwore.
1.4 Product And Services
The bank provides wide range of products and services to wide groups of customers. Also, the
products and services of TDBL have been designed in a unique manner which focuses on catering
all the needs of the target customers. The bank ensures the customer satisfaction with carefully
chosen products and services. The products and services at TDBL are the results of constant
research and marketing. The bank aims on being chosen as the firstbank, to satisfyallthe banking
needs of the customers. The bank ensures its clients with the positive attitude towards the client’s
needs and strong mutual relationship, the bank will be able to nurture the clients business and
dedicate itself towards the clients.

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SAVING DEPOSITS :
PRODUCTS
EFFECTIVE INTEREST RATE(% p.a.)
ON DAILY BALANCE
1. Easy Saving 3.50
2. Normal Saving 4.00
3. Nari Saving 4.00
4. Kidz Piggy Saving (For Children) 4.50
5. Payroll Saving 4.25
6. Tourism Special Saving 4.25
7. Aadarniya Bachat (For Senior Citizen) 5.00
8. Super Saving 5.00
9. Promoter's Saving Slab (Rs.)
Upto 100,000.00 4.50
Above 100,000.00 5.00
10. Paryatan Sahayatri Bachat 4.50
FIXED DEPOSIT :
PRODUCTS
EFFECTIVE INTEREST RATE(% p.a.)
ON DAILY BALANCE
1. Six Months FD 5.50
2. 205 Days FD 6.00
3. One Year FD 6.50
4. One Year Above FD 6.75
5. Institutional FD Upto 6.50
CALL DEPOSIT :
PRODUCTS
EFFECTIVE INTEREST RATE(% p.a.)
ON DAILY BALANCE
Call Accounts Upto 5.00
FOREIGN CURRENCY DEPOSIT(FCY) :
PRODUCTS Minimum Balance
EFFECTIVE INTEREST RATE(% p.a.)
ON DAILY BALANCE
USD Normal Saving USD 50 1.50
EUR Normal Saving EUR 50 1
GBP Normal Saving USD 50 1
FCY Call Deposit - Upto 2

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LENDING PRODUCT:
S.N. PRODUCTS
EFFECTIVE INTEREST RATE
PER ANNUM
1 Business Overdraft 10.00 to 15.00
2 Working Capital Loan 10.00 to 15.00
3 Short Term Loan/Demand Loan 11.00 to 15.00
4 Term Loan 10.50 to 15.00
5 Export Credit 10.00 to 15.00
6 Hire Purchase-Commercial 10.50 to 16.00
7 Auto Loan 9.00 to 14.00
8 Home Loan 10.00 to 14.00
9 Personal Loan/Mortgage Loan 12.00 to 15.00
10 Loan against Government Bonds 9.00 or +2.00 w hichever is higher
11 Loan against shares 10.00 to 15.00
12 Loan against our Fixed Deposit upto 95% Plus 2.00
13 Loan against fixed deposit upto 90% 10.50 or +2.00 w hichever is higher
14 SME Loan 11.00 to 15.00
15 Loan against vehicle: Up to 5 Years 13.00 to 16.50
16 Tourism Development Loan 10.00 to 15.00
17 Hydropow er Development Loan 10.00 to 15.00
18 Deprived Sector Loan –Retail 11.00 to 16.00
19 Deprived Sector Loan (Wholesale) 4.00 to 9.00
20 Employment Loan 12.00 to 15.00
21 Education Loan 11.00 to 15.00
22 Agriculture Loan 12.00 to 15.00
23 Loan against Gold and Silver 12.00 to 15.00
24 Bridge Gap Loan 14.00 to 15.00
25 Professional Loan 13.00 to 15.00
Table 2: the products and services of TDBL

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In addition to above products and services the TDBL does provide other services on or off the
balance sheet. The company believes in customer satisfaction and does try to provide maximum
of the facilities to the customer but all within the limits, rules and company ethics.
 Remittance
TDBL is operating under the guidelines set by The Government of Nepal and NRB the Central
Bank of Nepal), offers one of the safest and the most secured means of money transfer to Nepal.
TDBL has also been providing prompt, convenient and reliable internal remittance service for the
funds received from abroad by various remittance companies like money gram, western union,
SWIFT, and Travelers checks. The Bank aims to cater the prompt and reliable money transfer
services with in all geographical boundaries of country with global network.
a) SWIFT: It transfer Money from the customer’s account to an account across the globe.
The Wire Transfer (SWIFT message) is a highly secure and efficient method of fund
transfer. We have arrangements with major banks to send SWIFT messages which ensures
secure and safe remittance to any place of your choice.
b) Traveler’s check: Travelers' cheques are widely accepted instrument for convenience and
safety instead of cash. We issue / e-cash traveler's cheque.
c) Western union money transfer: Customers can receive payments sent via Western Union
Money Transfer/IME/Money Gram from our branches.
 Other services
The bank provides other different type of services for the customer which makes their work easier
and faster. Some of them are as follows:
a) ATM Service: Few months ago TDBL switched its existing SCT ATM card to Visa ATM
debit card. Tourism visa card is the card provided to the customer for the easy delivery of
goods and products. The customer does not need to carry money to go for shopping or any
other work. They can withdraw maximum Rs 30000 in a day and at once they can withdraw
Rs 10000.The card can be used in India as well. In India, the maximum limit of the
withdrawal is Rs 2000 at once. The bank charges Rs 250 per transaction from the customer

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for the issuance of the card. If the card is lost and new card is needed to be made then the
bank charges Rs 500 from the customer account.
b) Mobile banking: Mobile banking is the most simplest and efficient method to deal with
the banking transaction. It helps the customer to track personal account detail anytime from
anywhere. It lets us keep track of our account even while we are on the move. Register for
the service by filling a registration form at our bank. To use mobile banking customer need
to download application form internet.
c) E-banking services: E-banking service helps the customer to know their banking
transaction easily. The services it provides are: Balance enquiry, Interest statement,
Account statement and Tax statement
d) .Locker service: TDBL provides locker facility where customer can keep their precious
goods, ornaments and jewelleries in safe lockers of bank. Customer are
provided separate locker with a key as per demand and size available in the bank.
1.5. Organizational Design And Structure
The structure and design matter a lot for a company to determine its efficiency, effectiveness and
profitability. Thus, TDBL constantly focuses on enhancing work environment, control diversity,
work setting, employee training, recruitment, team work and competitive compensation.
The organizational structure and design of TDBL, newroad is small. In a branch like this the
hierarchy isn’t the big issue. In fact, what I saw in this branch is the feeling of participation; i.e.
helping each other by sharing each other’s tasks.

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Fig 1: organizational structure of TDBL, newroad branch
Branch Manager(BM) is the head of the branch. The BM of TDBL, newroad is Mr.Samir poudel.
Mr. poudel is responsible for the top level tasks including strong implementation of BOD orders,
maintenance of discipline, work environment, setting etc and directing bank towards its objectives.
In our branch, the BM also is responsible for handling strong clients, marketing big projects and
making different marketing strategy and planning. He is very proactive, involved in the community
and with their customers, and don’t wait for business to walk through the door.
Roles of Mr. Poudel can be listed as:
 Have direct responsibility in increasing revenues and profitability and further make
decisions based on their market and community, and develop plans to increase their
customer base.
 Monitor and evaluate the staff’s performance and take actions.
 Handling major clients, projects, approving loans all by themselves.
 Recruit, hire, fire, coach, and develop staff in all lines of business.
 Is responsible for building a rapport with the customer.
Office Girl/ Messenger
Branch Manager
(BM)
Credit Management
Department (CMD) Customer Service
Department (CSD)
Gold loan
department (GLD)
Cash department Operational
department

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Customer service Department can be said as the face of the bank where customers get the first
impression of the bank. The CSD is the first place of interaction of the client with the bank and
maintaining company-client relation with them. Internee spent most of time at CSD. This is where
the basics as well as the delicate aspects are taught. This is the place which requires communication
skill, patience, body language, discipline and grooming. Ms. Radhika bishural (Assistant officer)
is responsible for tasks at CSD. She is also responsible for other tasks like clearing cheque,
supervising interns and maintaining accounts. In this branch the card department is also the part
of CSD. Card department is responsible for assigning ATM cards and keeping records of those.
The basic roles of CSD are as follows:
 Promote bank products and services, building customer relation, maintaining existing
accounts, capture new records etc.
 Respond to customer inquiries and resolve and assists customers in depositing and
withdrawing cash.
 Refer complex issues to the management.
 Carrying out Liaising function with both the external customers and internal customers.
 Linking different departments by continuously responding information and referring it to
the different department.
 Executing informational role, for monitoring customer, disseminating information to
concerned person of other departments as per requirement.
 Handling and supervising interns.
The cash department is concerned with receiving and clearing checks. This is to facilitate
customers with the facilities including cash deposits, withdrawals, check deposits and other cash
related activities.
At TDBL, newroad Mr. promod kandel(Senior officer) takes control of the cash department.
The major roles of the department are as follows:
 Receipt and payment of cash, different kind of form like payment slip, withdrawals slip,
cash deposit slip, and checks deposit slips are available in this department
 Check the authenticity of the cheques, signature and profile.

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 Maintaining records of transactions on the daily basics
 Maintaining safe cash vault for keeping the cash and handling the vault keys
As the name simplifies the GLD (tamasuk) is the department which provides loan against the
deposit of gold. The chances of risks are very high in this department because of the different
factors like hard to determine the quality of the gold, price fluctuation, etc.
This department requires personal who expert, experienced and who has knowledge abs the gold.
Here Mr. shreepati nedhi tiwari is the head of the department. He is one of the experienced and
qualified player in the field. He is responsible for checking the quality of the gold, approving the
gold loan, tracking customers and maintaining contacts, gold loan marketing etc.
The different functions of this department are as follows:
 Test the quality of the gold that comes for deposit.
 Approving the gold loan and referring to the branch manager for final approval
 Maintaining “Tamasuk”, information about the loan taker, signature etc.
 Track the loan takers and maintaining contacts
 Gold loan marketing
 Updating with the gold rates and values
The Credit Department is an independent risk oversight function. It is charged with managing
and overseeing the counterparty credit risk profile of the Institutional Securities Business. The
Credit Department’s specific responsibilities include evaluating and rating the credit risk of
counterparties, establishing and managing counterparty credit risk limits, evaluating credit risk
transactions and approving, rejecting or modifying them as appropriate.
Here, the bank has established a separate department for the credit transactions. Here, Mr. Anup
naupane is assigned as the department head who handles the credit functions.
These responsibilities of Mr. naupane include:
 Gathering information and analyzing creditworthiness of the counterparty.
 Determining loan amount, condition, collateral etc and referring to branch manager for
further approval.

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 Managing and mitigating credit exposures. By regularly keeping track of every credit on
the line and taking actions accordingly.
In a branch small like this there is no separate department for Marketing. So under the supervision
of Mr. Poudel every department must involve in marketing that happens routinely.
1.6 Financial Structure
The specific mixture of long–term debt and equity that a company uses to finance its operations.
This financial structure is a mixture that directly affects the risk and value of the business. The
main concern for the financial manager of the company is deciding how much money should be
borrowed and the best mixture of debt and equity to obtain. Also referred to as capital structure.
The authorized capital of the bank is NPR1.28 billion, out of which it is divided into issued capital
and paid up capital of the bank. The promoter share constitute the major portion of the bank share
which stands up to 62.50% of the total capital structure and remaining 37.50% will be held by the
general public.
S.N Particular Amount
1 Authorized capital 1.28 billion
2 Issued capital 640 million
3 Paid up capital 678.40 million
Table 3: Capital Structure

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Figure2: Capital structure
Figure 3: Division Of Share holder
62.50%
37.50%
division of shareholder
promoter
public
0
200
400
600
800
1000
1200
1400
Authorized capital Issued capital Paid up capital
Series 1
Column1
Column2

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1.7 Organizational Performance
The organization's performance is determined by the financial performance. Financial indicators
show the financial health, soundness and situation of the Organization. For analyzing the financial
performance; the followings key ratios are tested which provides the blue-print and clear picture
of the Organization Performance.
Detail 2071/72 2070/71
Net profit 338,566.48 161168.55
Average yield 13.67% 12.36%
ROE 8.74% 6.59%
ROA 1.37% 0.92%
Net Interest spread 3.55% 3.09%
Table 4: Financial performance indicator
The table shows some of the ratio used by the bank. On the basis of the table, the bank has made
profit in compare to the previous year which means the bank is performing well. The average yield
has also increased from 12.36% to 13.67%. The ROA and ROE has also increased then previous
year.
Capital adequacy ratio
Capital adequacy is the measure of the total capital in consideration with the total deposits
collected by the institution. This ratio provides a means to find out what percentage of the total
deposit is maintained as capital of the institution. As we know capital is a cushion that absorbs
certain losses and provides a basis for the people’s trust. So every institution must maintain certain
percentage of their total deposit as capital to provide a safety measure for the public.
1

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Figure 4: CAR
In the Table, the capital of TDBL is increasing gradually throughout the period which shows the
progress of the institution. However the increase in deposit collection has been at greater pace than
the increase in the capital.
Growth and opportunities
 New market
The bank can enjoy its new market at TDBL, newroad. The bank can grasp the different
opportunities with different new customers and industries.
 Better use of technology:
The most important factor of growth at this age is technology. In this age of internet boom the
bank can use various IT related products to attract customers and corporate.
 Researched products
0.00%
2.00%
4.00%
6.00%
8.00%
10.00%
12.00%
2069/70 2070/71 2071/72
2068/69
Column2
Column1

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Innovation is also the important factor of growth. Innovation can be achieved with constant
research. If focused on innovating and modifying new products as per the taste of customer, this
can result to the growth of the customer.
 Career opportunity:
TDBL offering a wide range of Banking solutions and services. The Bank is managed by a highly
professional management team and is also providing professional environment and growth
opportunities for its employees. The Bank seeks application from highly committed, motivated,
creative and competent Nepali citizens with a strong desire to excel in Banking for the following
job positions:

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CHAPTER II
JOB PROFILE AND ACTIVITIES UNDERTAKEN
Internship is an opportunity to observe, learn and understand the corporate culture, acquire
knowledge and skills in the respective field which helps the students in their further career
development. Internship is carried out in the organizations which suits the area of specialization.
Internship provides the main opportunity to understand how the knowledge acquired through the
lectures, group discussion and formal study is applied in the real working situation. The internship
is the best way of knowledge gaining as it provides an experience. Similarly the assigned
responsibilities during the internship period help to enhance the interpersonal and communicative
skills and boost up the confidence level as well.
During my internship period, Being student of Management, I have completed various courses, on
understanding various managerial aspects; hence in order to experience those managerial aspects
after understanding in the classes, an Internship experience was necessity. Before starting my
Internship at Tourism development Bank Limited, newroad branch, I had thoughtfully planned my
objectives, and developed strategy to achieve it.
2.1 ACTIVITIES PERFORMED IN THE ORGANIZATION
Various activities were performed in various departments during the internship tenure. I was able
to gain working experience in two of the major departments:
Customer Service department:
I spent more than 90% of internship tenure at CSD. This is where the basics as well as the delicate
aspects are taught. This is the place which requires communication skills, patience, body language,
discipline and grooming. During my work experience with Ms. Rashmi chand, I had an opportunity
to learn and use Pumori Software what is used in bank for managing client’s database and accounts.
The major activities performed at CSD are as follows:

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a) Account opening
b) Issue of cheque book
c) statement printing
d) Assist customer to fill out the account opening form correctly and also obtain all
necessary document
e) Handling telephone calls
f) ATM card issuance
g) Filing and Documentation
h) Providing information about different banking product and services
i) Information dissemination to all customers.
 Account opening
Any interested customer who wish to open an account in TDBL, newroad is inquired about the
type of account he/she wants open, then customer is provided with account opening form and are
requested to fill up account opening form and attached all required documents. After the form is
filled up by customer, CSD staff verifies the form and pass on to the branch head (Mr. Samir
poudel) for final verification. After the approval branch head, CSD staff opens an account in bank
on the name of respective customer. Then the customer is provided with an account number and
requested to deposit at least minimum amount according to their account type. Later the data are
entered into the linking software called Pumori.
During account opening time customer is also asked whether they need other services offered by
bank like the ATM Card service, internet banking service, SMS banking service etc and if
customer are interested to get those service then customers are asked to fill up respective forms to
get those service.
Various documents like Passport size photo, Citizenship etc are required for opening account.
 Statement printing
Any customer who wants to have bank account statement print is requested to fill up bank account
statement request form and submit then CSD staff verify account number, account name, identifies

18. 18
account holder, account holder’s signature and then provides respective bank account statement
print to respective customer.
 Cheque book issue
When account holder used the entire cheque leaves bank issue cheque book to the customer. When
customer fill up the cheque requisition slip that is attached along with cheque book. Customer
cheque requisition slip submitted by the customer should be filled properly date wise and preserved
in the department.
 Complain Handling
Most of the account related complains or any other problems regarding banking products and
services should be handled by customer service department. This department is responsible for
responsible for providing efficient information to the account holder and handles their questions
appropriately.
 Handling Telephone Calls
The CSD has to perform handling most of the outgoing and incoming calls. They are responsible
to answer questions of the customers and provide account related information via telephone.
 Assist customer to fill out the account opening
There are many other works to be done in the bank by CSD. Some new people come to the bank
for cash deposit. They are well drilled to fill up the voucher consequently. Similarly, some people
approach there if their account is dormant.
 Filing and Documentation
Filing and documentation are very important task that the CUSTOMER SERVICE
DEPARTMENT staffs do. The entire paper work has to be done simultaneously to the computer

19. 19
work. There are different files for filing different documents. The account holders’ form, their
signature cards, and their request slip all are filed in separate files. The void cheques are also filed.
Marketing department:
Actually in newroad branch there is no separate marketing department in spite of I had done
marketing few weeks after the internship started. Branch manager (Mr. Samir poudel) send me to
promote bank’s different product on the regular routine basics around the area. In marketing
department intern have given task of marketing such as field visit and submit research report to
branch manager. After field visit I have submitted different reports to my respective branch
manager. Mostly intern are given these work to analyze the market situation. How much people
are aware about the product bank or how can they recognized the name of the organization. The
main objective of the marketing department is to promote organization strongly to fulfill their goal
in short period of time. Intern is responsible to motivate people to open their account at TDBL.
Usually, the marketing at TDBL,newroad can be divided into two parts:
Gold loan Marketing:
This branch gave priority to gold loan marketing as the area situated had lots of Gold shops.
Also to gain attraction bank built different strategy to attract those gold shops.
The task performed were
 Visit the gold shops around the area and promote PGL.
 Revisit or call the shops again that shows positive responses.
Other marketing
Marking the products of TDBL other than gold falls under this category. Banks have
different products or services that they sell to the public to gain profits or funds to operate
the business and make loans.
 Marketing related to deposits and lendings are done.
 The activities performed were:
 Visit different stores, organizations and give them the proper insights of products
and services that the bank is offering.
 Provide them with brochures and forms
 Follow back the interested ones.

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2.2 Problem Solved
I believe that life is a learning experience and being able to understand my own strengths and
weaknesses can help me to be better individuals in my future career that I choose to do. Knowing
myself and what I can do, can help me to understand and overcome my weaknesses.
Every employee even the interns are appointed for a purpose. Some of the important problems
that I tried to solve during my internship period are listed below:
 During the period of my stay, the bank switched few months ago its existing Sct ATMcard
to Visa ATM Card. So ultimately there were many customers who have to be informed. It
was our (interns) duty to inform them about visa debit card.
 Similarly, there were also lines of customer at the customer service department waiting
their card to be exchanged. So I tried assigning them with their ATM.
 Searching the missing vouchers, cheque books, files, forms, file & documents.
 Dealing with various natures of customers.
2.3 Intern’s Key Observation
a) Punctuality at workplace
I got to observe during my internship was the punctuality at workplace. I observed that
employees strictly come to office mostly between 9:30 a.m. and 9:50 a.m. right at the official
time. Since I had to attend class till 9:00 a.m. and after having light breakfast near the college
premise, I reach office before 10:00 a.m. They were never late for the office.
b) TD BL e nvironme nt
Observation of TDBL environment can be divided into external environment and internal
environment. I worked in newroad Branch, and during six weeks of internship, I was able to
observe both internal and external environment.
The TDBL, newroad’s top five competitor’s banks can be:
 Nepal investment bank
 Nepal bank limited

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 Himalayan bank
 Bank of Kathmandu
c) Need of the client
The need of the client varies accordingly. There may be the slightest difference between the need
of the individual client and the corporate client but the general need is the same. They are highly
affected by the interest rate, safety and service.
d) ATM Service
Customers using the visa card seem to be quite satisfied with the ATM service of the bank. There
are no complaints about the card.
e) Bank Staff
TDBL staff is always ready to take the customers queries either face to face or through telephone.
They tend to enjoy their work and solve the problems as soon as possible. Therefore the bank staffs
are reliable and confident towards solving the customer’s problem and satisfy their desires.
f) Knowledge on Banking Products and Services
The bank’s staff possesses adequate information on the products and services offered to their
customers. They provide clear information to new and existing customers about their available
products and services. But some of the customers were unaware about the products and the services
offered by the bank.

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Chapter III
LESSON LEARNT AND FEEDBACK
3.1 Key Skill and Attitudes Learnt
Internship program proved to be a valuable opportunity to learn and get acquainted with real world
first hand workplace experience. It proved to be a valuable platform where we could use the
knowledge gained during our classroom in the practical world. Through internship program, I got
an opportunity to expose myself to the working environment and unleash my potential. The past 6
weeks at TDBL, newroad was an excellent opportunity for me to gain valuable experience in the
banking field. The major skills and attitudes that I was able learn during internship period are as
follows:
a) Team work:
During my internship, I was inducted as a team member and was assigned various activities that
had to be performed in a team. It taught me how activities are to be performed in a team and impact
of behavior of one on the work and performance of the other team member. I realized what we
studied was real. The proper team work lead to synergy benefits. On the contrary, loafing by some
team members could lead to huge negative impacts on the overall team performance. I learned the
importance of team work and some general skills required while working in a team. Finally from
managerial perspective, I have learnt that while working in team one should posses leadership
skills have motivating skills and consider motivate every team members for good synergized
effort.
b) Personal and professional experience
Personally I have learnt things that helped me to understand and analyze my weakness and
converting them to my core strengths. While performing in group or teamwork, every member
should have a feeling of collective responsibility; this makes equal participation in the task from
every team member. Equally one should take care of their team members because a task is result

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of combined effort and if one member doesn’t work as standards, the whole team attempt to
assignment is pulled back or dropped down.
At the work environment, I got a good opportunity to see; how people work in team and how
they put their synergized effort for better outcome. I learnt from my supervisor, if you are at
work you should learn to respect client’s time soI learnt to be punctual. Ialsolearnt other personal
and marketing skills about how to develop marketing skills.
Personal Experience &learning Professional experience and learning
Positive attitude Communication skills
Extrovert Punctuality
Patience Customer Handling technique
Trust Using Pumori Software
Mutual respect Motivating Skills
Table 5: Personal & professional Experience
Therefore, Knowledge of both theoretical and practical aspects and exposure in the practical field
is must to be competitive in this world. Real work setting is a diverse situation than the classroom
leaning scenario, as we enter into real work setting there arises novel problem, difficulties and
challenges which make the person more dynamic and enthusiastic. While dealing with the
complexities we develop the interpersonal and communication skills which further shape our
personality.
As an intern being a part of TDBL various things that are learned during internship period are as
follows:

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 Learned how to deal with varieties of people and their queries and providing appropriate
information to the customers.
 Learned to communicate effectively with the people improving inter-personal skills.
 Learnt the importance of relation between clients and bank.
 Acquired knowledge about the different types of services provided by the Customer
Service
 Learned account opening procedure, statement printing, account closing, cheque issuing,
ATM Card and ATM Pin issuing procedures.
 Realized the work pressure at the time of performing tasks.
 Experienced the importance of time factor in bank for both customer and employee.
 Experience that for positive result the coordination between employees of different level is
3.2 Feedback To The Organization
I am very much delighted and thankful to the organization for allowing me to do internship in
their organization. I got the platform to have exposed on the banking sector and enhance my
knowledge and ideas. I am grateful for providing me such opportunity. I would also like to provide
some suggestions and recommendation which I believe that it would enhance the quality of its
services:
 I felt the company require to improve its marketing strategy and planning; it should provide
every branch with brochure, pamphlets etc.
 The filing system should be improved and managed properly. New filing technology
should be introduced.
 There is frequent problem with the ATM machine, so the problem should be addressed at
earliest.
 The bank should catch up with the new technology.
 The TDBL website should be improved with more information as this is the period of
internet boom for Nepal.
 The TDBL should introduce the new product and services to the market. It should be done
with proper research and development.

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3.3 Feed Back To The University/College
I would also like to provide some suggestions and recommendation to the college and university
 I felt that the timing is inappropriate as the things seem to be rushing. The exams, classes
and the internship seems were running close.
 There should be regular and proper assessment to the intern student to ensure that the
students are serious and regular.

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References
 NRB (2015), Banksand Financial Institution statistics.
 Nepal Rastra Bank, Banking and Financial Statistics Department development Banking
Statistics, Different Issues, Kathmandu, Nepal.
 Various annual report
 http://www.TDBL.com.np